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Purpose The main focus of this study is about the role of different financial schemes and their impact on the tourism development in terms of infrastructure, connectivity and controlling mechanism. This study investigates the significant contribution of these schemes on the tourism development at a destination. Methodology The influence of four Financial Scheme drivers i.e. Jammu and Kashmir Bank Tourism Schemes (JKBTS), Jammu and Kashmir State Financial corporation Term loans (JKSFCTL); Youth Startup loan Scheme (YSLS) and Prime Ministers Employment Generation Programme (PMEGP) on tourism development were investigated. The confirmatory factor analysis has been applied to validate the data. For hypotheses testing, Structural equation modeling has been applied. Findings Tourism development in terms of infrastructure has gained momentum in the past lustrum but lot of more activities needs to be done in order to improve tourist arrivals at a destination. The conflict has engulfed the destination which needs to be addressed at the earliest. In order to develop the monitoring mechanism better, the Jammu and Kashmir Bank Tourism scheme is crucial followed by Jammu and Kashmir State Financial corporation term loans; Youth startup loan schemes. Originality The present study complements the existing literature regarding the role of Financial Schemes drivers and linkage among these drivers with development of tourism in terms of Infrastructure, connectivity and monitoring mechanism. [ABSTRACT FROM AUTHOR]

The study concludes the outcome of an ex-post evaluation study of the SHGs promoted by Gramudyog Hastakala Kendra & Priyadarshini Indira Mahila Block Society, NGO's working for the promotion of SHGs in Jammu & Kathua District of Jammu region, India. A sample of 20 SHGs consisting of 282 members have been taken to study the various aspects of the SHGs viz. educational profile, economic status and occupational pattern etc. pre and post SHG formation. It is found that most of the members of SHGs are economically weak. The overall findings of the study suggest that SHG - Bank Linkage Programme has considerable positive impact on the social conditions. It has also empowered women members substantially and has contributed to increased self-confidence and positive behavioral changes in the post-SHG period as compared to the pre-SHG period. [ABSTRACT FROM AUTHOR]