Pillar: Opportunity Infrastructure
24.9% of enterprises in Jammu are women-owned. 93% of women have their own bank account, better than the typical district. Small business loans in the district run at ₹42,748 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
87% of registered enterprises are in services while 13% are in manufacturing. Only 7% of employment is in small and medium enterprises. 70% of school-age children are enrolled in higher secondary school (classes 9–12). Only 41% of ITI trainers are certified.
In Jammu, which ranks 7 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 54.1 out of 100. The district runs ahead of the national picture on women's freedom of movement at 64.1%, while it lags on women in the labour force at 42.8% and women taking part in all major household decisions at 52.5%.
Mandated services and how to locate the NRLM Self-Help Group in Jammu are in the Jammu district course and the English reference guide (Hindi). See the Jammu youth opportunity scorecard for the full district picture.