Pillar: Opportunity Infrastructure
14.8% of enterprises in Kulgam are women-owned. 78.8% of women have their own bank account, close to the typical district. Small business loans in the district run at ₹45,759 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
77% of registered enterprises are in services while 23% are in manufacturing. Only 1% of employment is in small and medium enterprises. Only 50% of school-age children are enrolled in higher secondary school (classes 9–12).
In Kulgam, which ranks 9 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 52.7 out of 100. The district runs ahead of the national picture on women in the labour force at 69.1% and women's freedom of movement at 47.8%, while it lags on women taking part in all major household decisions at 57.4%.
Mandated services and how to locate the NRLM Self-Help Group in Kulgam are in the Kulgam district course and the English reference guide (Hindi). See the Kulgam youth opportunity scorecard for the full district picture.