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it didn't even occur to me girls could get jock itch but it makes sense they can. it happens when you get too sweaty and don't shower enough. if she's masturbating in bed without cleaning up and not taking care of herself that'd be an easy way to get it. it's called jock itch because usually only athletes who are constantly sweating and exposed to bacteria on other people get it the most. but anyone unheigenic can get it (i got it from not showering enough years ago)
empath if you're reading this buy some clotrimazole. apply it twice a day for like 3-4 weeks maybe longer. yours looks pretty severe and darkened so see a dermatologist if it doesn't go away after that