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Financial Empowerment through Employment: How Jobs Transform Women’s Lives

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“When you empower a woman financially, you don’t just change her life—you transform an entire community.”

In my two decades as an HR leader, I’ve witnessed how jobs for women go far beyond a monthly paycheck. They represent freedom—from patriarchal norms, from dependence, from invisibility. They bring dignity, decision-making power, and the courage to carve out a unique identity.

The Numbers Tell a Powerful Story

The data underscores this transformation. In India, the Worker Population Ratio for women aged 15+ jumped from 22.0% in 2017–18 to 40.3% in 2023–24. Similarly, the Labour Force Participation Rate for women surged from 23.3% to 41.7% in the same period. This is not just statistical progress—it is social change in motion, powered by government schemes, private sector initiatives, and women’s own determination.

At SAVE, where we work across India’s rural and semi-urban landscapes, I’ve seen countless stories of women who, once employed or engaged in micro-enterprises, not only increase household incomes but also inspire entire communities.

From Employment to Empowerment

The last 25 years have seen women gain ground in education, healthcare, and employment. Yet, only 18% of senior leadership roles in corporate India are held by women today. This gap highlights why sustained employment is so crucial.

In rural India, over 10 crore women are part of 91 lakh SHGs, running small businesses, accessing microfinance, and reshaping local economies. Women now own 20.5% of India’s MSMEs, and that number is steadily rising. These aren’t isolated successes—they mark a paradigm shift in how rural India views gender roles, wealth creation, and leadership.

“Every woman who enters the workforce brings with her not just skills, but the seeds of social transformation.”

Technology as a Game-Changer

One of the most exciting enablers of women’s empowerment today is technology. With 83% of women owning a mobile phone, 60% having smartphones, and 66% using mobile internet, the digital revolution has reached even the most remote corners.

Digital adoption is directly impacting financial independence. A study by NPCI revealed that digital transactions by rural women have risen by 22% in just two years. Women now use UPI to run micro-enterprises, access credit, and trade on online marketplaces. Each digital transaction is not just economic—it’s symbolic of confidence, inclusion, and independence.

The Ripple Effect of Financial Independence

Research by UN Women (2024) found that financially independent women are 33% more likely to educate their daughters and 25% more likely to invest in healthcare. These numbers show us what we, in HR and development, have always believed: when women earn, families thrive, and societies progress.

We’ve seen this play out at the grassroots. Villages with women leaders often prioritise essential services—clean water, sanitation, healthcare—because women understand their disproportionate impact on households.

The Road Ahead: Building Inclusive Economies

Of course, challenges remain—social stigma, limited mobility, and restricted access to opportunities. But we also know the levers to address these gaps: digital literacy, legal reform, and stronger public-private partnerships.

As leaders, we have a responsibility to design not just jobs but ecosystems—where women can participate fully, lead confidently, and shape the future of economies.

Closing Thought

Employment for women is not merely transactional; it is transformational. Every job given to a woman multiplies into education for children, health for families, and growth for communities.

“Empowering women through employment is not just social justice—it is an economic strategy. And it is the surest way to build a sustainable, inclusive future.”

I have seen this firsthand, and I remain deeply committed to ensuring that women—from rural SHGs to urban startups—are not just included in the workforce, but celebrated as leaders of change.

Shared by Aditi Mittal, 
Group Head – HR, SAVE Solutions Pvt. Ltd.

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