In your Phonegap project the Main Activity .java class contains extends DroidGap
so in this case
super.loadUrl("file:///android_asset/www/index.html");
is useful because Webview
of DroidGap
capture this url.
And in your Android app your activity .java class contains extends Activity
so
webView.loadUrl("file:///android_asset/www/index.html");
The Webview
specified by you in your activity class will capture the Url .