Digital Literacy and E-learning Adoption Among Commerce Students: Challenges and Opportunities in Bhokardan

The rapid advancement of digital technology has transformed education, making e-learning a vital instructional method. However, its adoption in rural areas, particularly among commerce students in Bhokardan, presents significant challenges. This study explores the level of digital literacy among students and identifies the barriers to e-learning adoption, focusing on factors such as resource limitations, digital infrastructure, and student readiness. A sample of 100 students was analyzed using the Chi-square test to examine the relationship between digital literacy, resource availability, and e-learning adoption. The findings indicate that low digital literacy serves as a significant barrier. At the same time, limited access to devices and unreliable internet connectivity also hinder adoption, though their impact is statistically less significant. Despite these obstacles, the study highlights opportunities to enhance e-learning through targeted digital literacy training and improved access to technological resources. The results emphasize the need for strategic interventions to strengthen digital literacy and infrastructure, which could significantly improve educational outcomes in rural areas.