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In a detailed interaction, a senior manager of Jammu & Kashmir Bank shares insights on the evolving employment landscape in Jammu and Kashmir. He explains that sustainable job creation in the region is increasingly tied to financial inclusion, credit accessibility, and the growth of local enterprises. The bank plays a strategic role in supporting Micro, Small, and Medium Enterprises (MSMEs), startups, and self-employment initiatives through targeted loan schemes and government-backed programs. Special emphasis is placed on agriculture, horticulture, handicrafts, and tourism — sectors that form the backbone of the regional economy. By extending credit to apple growers, saffron cultivators, transport operators, and hospitality businesses, the banking sector indirectly fuels employment genera
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