Exclusive schemes for Jammu and Kashmir

Kashmir Humanity Foundation: Helping Hands for Humanity
The organisation provides quality education, healthcare facilities and livelihood opportunities to women in Kashmir. The mission of the organisation is to cater to the disadvantaged people of India. It educates the poor and aims to have a world of leaders. The organisation is non-religious, non-political, non-profit organisation and it believes in equal opportunity to all.

It is an organization that helps women entrepreneurs to scale up in developing countries. It operates in 29 countries. Its main objective is to lift men and women from poverty. It provides people with information, capital and access to market. It has been working since 50 years with proven results. It is among the top 1 percent of all the rated nonprofits.

Schemes given by the Women and Child Department, Jammu and Kashmir
a. Development of Manpower in Bio Technology: It aims at development of manpower and infrastructure in biotechnology in the State. More importance is given to short term biotechnology fellowship and organises seminar and popular lectures in biotechnology.
b. Science Talent Promotion Scheme: This encourages a competitive science culture in the State.
c. Scheme for minority women for establishing income generation units: Women below poverty line whose annual income is less than Rs 54,000 in urban areas and less than Rs 42,000 in rural areas are assisted.
d. Scheme for Physically and Mentally disabled women for establishing income generation units: This scheme is to uplift physically and mentally challenged women.
e. Schemes for Empowering Skilled Young Women-2009: It provides various welfare measures for socio-economic upliftment of women in the society.
f. Jammu and Kashmir Rural Employment Guarantee Scheme (JKREGS): This scheme provides livelihood securities to people in rural areas and providing minimum of 100 days of guaranteed work to them.
g. Sampoorna Gramin Rozgar Yojna (SGRY): The scheme will provide additional wage employment in rural areas, it will provide food security; create durable community, social and economic infrastructure in rural areas and special emphasis to provide wage employment to women, scheduled caste, scheduled tribes and parents of children withdrawn from hazardous occupations.
h. State Sponsored Scheme for Handloom Industry: It sponsors handloom societies for participation in the special handloom Expose and State Level fairs organised by the Development Commissioner for Handlooms, Government of India.
i. Craftsman Training Scheme: It was introduced by Government of India in 1950 so steady flow of skilled workers in different trades for the domestic industry, to raise quantitatively and qualitatively the industrial production of systematic training, to reduce unemployment among educated youth by providing them employable training, to cultivate and nurture a technical/industrial attitude in minds of younger generation. Two Industrial Training Institute (ITI’s) was set up in Srinagar and Jammu.

Centre for Women Entrepreneurship
Minister for Industries and Commerce, Chander Parkash Ganga inaugurates a Centre for Women Entrepreneurship which is first of its kind in J&K. this centre will mentor and nurture women with capabilities and it will start with a three week long Entrepreneurship Development Programme (EDP) under Himayat Self Employment Scheme at Exhibition Ground. It will emphasise gender equality in business, provides training, support and mentorship for women entrepreneurs. This initiative is to help women start their own business.

Citizen Charter- J&K State Women’s Development Corporation
The State Women’s Development Corporation was introduced in the year 1991 under the Companies Act 1956 but it started in the year 1994. It implements development schemes for socio-economic upliftment of women with special emphasis to women below poverty line and the women belonging to minorities, backward and other classes. Its main objective is to identify and promote women entrepreneurs and conducting awareness camps for identifying women for various income generating activities for empowering women. The various schemes given by this corporation are:
a. National Minorities Development & Finance Corporation (NMDFC): Finance provided to women belonging to minority community.
b. National Backward Classes Finance & Development Corporation (NBCFDC): Finance provided to women belonging to backward classes.
c. National Handicapped Finance & Development Corporation (NHFDC): The corporation helps women with minimum of 40% of disability especially by providing with finances. These women are also provided with educational loan and micro credit loan.
d. Sher-I-Kashmir Employment and Welfare Programme: This scheme implements the “Empowering Skilled Young Women, 2009”. The programme’s main focus is to create employment avenues for educated unemployed youth. Very less interest is charged against loans.

Banks to help women entrepreneurs
The Chairman of J&K Bank and CEO Parvez Ahmed announced that the banks will develop some women specific schemes to help women entrepreneurs. He also added that there will be two branches of bank specifically for women customers. The banks will provide loan with minimal interest rate.

Revive Kashmir
It is a team of passionate change makers who work to achieve peace, economic strength and social equity through creativity and innovations in cross-sector partnerships. Its mission is to promote long-term social and economic development in the valley of Kashmir. It conducts activities that are aimed at reviving healthcare, economy and also financial and social status of every household in Kashmir. It works as a business accelerator, conducts livelihood program and connect budding and seasoned entrepreneurs who are currently operating in Kashmir.

Jammu and Kashmir Entrepreneurship Development Institute
The institute was established by the Government of Jammu and Kashmir in March 1997. It enables entrepreneurship development in the state. The institute started its regular activities from 2004 and it is established as a learning centre for entrepreneurs. It also enables entrepreneurship in all 22 districts through community organisation programs. It promotes entrepreneurship in grass root level through training programs and mobilisation.

It is a platform that provides space for interface between VOs/NGOs and key Government Ministries/ Departments/ Government Bodies. The platform covers all Central Ministries/ Departments/ Government Bodies. It brings about greater partnership between government and voluntary sector and foster better transparency, efficiency and accountability. It is an initiative that promotes healthy partnership between VO/NGOs.

Scheme for empowering skilled young women loan
The objective of this scheme is uplift women in the society. The scheme was launched on 8th January 2010 by the Ministry of Social Welfare Department and sponsored by the State. The beneficiaries of this scheme are specially women. It aims at various welfare measures for socio-economic upliftment of women. This is done by providing loan to them so that they can establish their own enterprises. Women can apply by contacting the Jammu and Kashmir Women development Corporation.

Scheme for minority women for establishing income generation units Monetary, Maximum loan, Jammu and Kashmir
This scheme which is sponsored by Central Government of India is especially for the women whose annual income is Rs 54,000 or less and residing in urban areas. Women who are residing in rural areas can only avail the benefits of this scheme if their annual income is Rs 42,000 or less. It was launched on 6th March 2006 by the Ministry of Social Welfare Department. The main objective of this scheme is to empower and aid the women living below poverty line. The benefits pronounced under this scheme are granting a loan of up to Rs.2.50 lakhs.85% of the project cost will be given by the State. Beneficiary has to repay back at 6% rate of interest and in 20 easy quarterly installments in 5 years including the moratorium period of three months on the recovery of principal amount. Women can contact the district programme officer in order to avail the benefits of this scheme.

Scheme for Physically and Mentally disabled women for establishing income generation units
This scheme was launched on 15th August 2004 by the Ministry of Social Welfare Department and sponsored by the State. This scheme is mainly to uplift the income and living standards of physically and mentally challenges women. Women who are in need of the benefits of this scheme can apply to the office of the Development Officer concerned. The following are the criteria which should be fulfilled to avail the benefits under this scheme:

  1. Any women with 40% disability or more (Certificate should be provided by Chief Medical Officer or medical Board) are eligible under this scheme.
  2. Age should be 18-45 years. Beneficiary should be a permanent resident of Jammu and Kashmir.
  3. Beneficiaries should have relevant educational qualification (in case of technical trade) and should provide fresh attested copy of certificate.
  4. Beneficiaries should not be a defaulter with other financial institutions and they should support it by affidavit.

Maximum loan granted to these beneficiaries is up to Rs 5 lacs and they have to repay back with a rate of interest of 4, 5 & 6% in 24 easy quarterly installments in 6 years including the moratorium period of six months on the recovery of principal.

Scheme for women of Backward Classes loan facility
This scheme was launched on 15th August 2001 by the Ministry of Social Welfare Department and is sponsored by the state. The main objective of this scheme is to uplift women of the backward classes and to help them to generate income. Loan is provided to them so that they can establish their own enterprises. Women who can avail the benefits of this scheme should have an annual family income of Rs 62000 or less in urban areas and Rs 52,000 or less in rural areas. The age of the women should be within 18 to 45 years and should belong to backward classes. In order to apply the woman must apply to the office of the Development Officer concerned.

Sher-I-Kashmir Employment and Welfare Programme
“Empowering Skilled Young Women, 2009” scheme implements Sher-I-Kashmir Employment and Welfare Programme (SKEWP) laid down by the Government in order to create self- employment ventures for educated unemployed youth. A low rate of interest of 6% is charged on the credit which is being granted to the entrepreneurs. Corporation is getting encouraging response in all parts of the state.

Jammu and Kashmir Development Institute
It was developed by the Government of Jammu and Kashmir in March 1997. It is build for the development of entrepreneurship in the state. It has many regional across Jammu, Kashmir and Ladakh. It has also created community organisers in all the 22 districts of Jammu for entrepreneurship development.