DIGITAL TRANSFORMATION IN THE DEVELOPMENT OF SMALL SCALE BUSINESSES AMONG WOMEN RECEIVING POLICY CREDIT IN NHA BE COMMUNE, HO CHI MINH CITY

In the context of digital transformation associated with the Fourth Industrial Revolution, the adoption of digital technologies has become a key factor in supporting women receiving policy credit to develop small-scale businesses and enhance sustainable livelihoods. This study employs a mixed–methods approach, combining a quantitative survey of 80 women receiving policy credit in Nha be commune with qualitative data from 16 in–depth interviews with women borrowers and local officials. The findings indicate that most women continue to operate their businesses using traditional practices, with a strong reliance on cash transactions and only basic applications of digital technologies, such as Facebook, Zalo, or simple online selling. Access to more advanced digital tools, including QR code payments and business management software, remains limited. The level of digital technology adoption is influenced by women’s individual and household characteristics, as well as the extent of support provided by local authorities. The study highlights a significant gap between policy credit programs and initiatives aimed at strengthening digital capacities for women borrowers, and it proposes several policy recommendations to promote sustainable and inclusive livelihood development for women engaged in small scale business activities.