[1] For the purpose of this study, the set of DBT schemes includes the Pradhan Mantri Kisan Samman Nidhi (PM-KISAN), Pradhan Mantri Ujjwala Yojana (PMUY), Pensions, Jan Dhan Yojana, cash transfers under the Pradhan Mantri Garib Kalyan Yojana, Welfare Board schemes (specific to Tamil Nadu), and some other state-specific transfers. Please note that although MGNREGA wages are transferred through the DBT system, we have created a separate framework for the scheme given some of its unique features, including raising work demand and work allocation.
Access to suitable credit could enable growth-oriented nano-enterprises to invest in productive assets, adopt new technologies, smooth working capital cycles, and expand their scale of operations.
