Pillar: Opportunity Infrastructure
41.5% of enterprises in Ganderbal are women-owned. 85.7% of women have their own bank account, close to the typical district. Small business loans in the district run at ₹73,066 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
57% of registered enterprises are in services while 43% are in manufacturing. Only 1% of employment is in small and medium enterprises. Only 43% of school-age children are enrolled in higher secondary school (classes 9–12). Only 8% of ITI trainers are certified.
In Ganderbal, which ranks 3 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 55.8 out of 100. It runs ahead of the national picture on women in the labour force at 73.5% and women's freedom of movement at 45%. On women taking part in all major household decisions at 69.1%, it sits close to the national mark.
Mandated services and how to locate the NRLM Self-Help Group in Ganderbal are in the Ganderbal district course and the English reference guide (Hindi). See the Ganderbal youth opportunity scorecard for the full district picture.