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Access to affordable and timely credit is a critical component of women's empowerment because it enables women to establish enterprises, enhance livelihoods, improve household income, and achieve financial independence. In India, the government has introduced several initiatives and schemes to ensure that rural and urban women have greater access to institutional credit, entrepreneurship support, and financial inclusion. These initiatives aim to reduce dependence on informal moneylenders, encourage self-employment, and strengthen women's participation in economic development. One of the most significant initiatives is the National Rural Livelihoods Mission (NRLM), also known as Deendayal Antyodaya Yojana (DAY-NRLM). It promotes the formation of women Self-Help Groups (SHGs), which mobilize savings, provide internal lending, and facilitate _____ ___ _________ ______ ______ ________ _______ _____ _____ __________ ___.
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