Self-Help Groups of about 10 to 15 rural women under NRLM (Aajeevika), built into Village and Cluster Federations.
22.3% of enterprises in Samba are women-owned. 90% of women have their own bank account, better than the typical district. Small business loans in the district run at ₹58,056 per lakh population. NRLM Self Help Groups are the vehicle through which women access credit like this to build livelihoods.
81% of registered enterprises are in services while 19% are in manufacturing. Only 8% of employment is in small and medium enterprises. 73% of school-age children are enrolled in higher secondary school (classes 9–12).
In Samba, which ranks 5 of 20 in Jammu and Kashmir for youth opportunity, the overall opportunity score is 54.3 out of 100. It trails the national picture on women in the labour force at 43.1% and women taking part in all major household decisions at 61.7%. On women's freedom of movement at 43.9%, it sits close to the national mark.