Archive · 7 Nov 2025
Direct Transfers Empower Women, Strengthen Democracy, Opinion Piece Argues
Imagine the government has money to help families, like for seeds or school.
Instead of giving it to many people who might not use it all, they send it directly to women's bank accounts using their phones and IDs.
This is like a 'quiet deposit.'
When women get this money, they can use it for important things like food, medicine, or school fees.
This helps them save more and feel braver to speak up in their families and communities.
It's like giving them a small tool to make their own choices.
Some people worry this is like 'buying votes,' but the article says it's more like giving families a chance to build a better future.
The article also suggests making these payments regular and linking them to women's groups, like saving circles, to make the money work even harder for everyone.
Direct benefit transfers into women's bank accounts are argued to be transforming democracy and women's lives.
Studies indicate these transfers increase household savings and significantly enhance women's say in political decisions.
The JAM trinity (Jan Dhan, Aadhaar, Mobile) has made large-scale direct transfers feasible, bypassing intermediaries and reducing fund diversion.
Self-help groups (SHGs) play a crucial role in amplifying the impact of cash transfers, turning them into engines of dignity and agency.
The author advocates for treating these transfers as democratic infrastructure, emphasizing predictability, women's control, and reaching marginalized groups.
- Who
- Women in program areas, beneficiaries of direct transfers, self-help groups (SHGs)
- What
- The impact of direct benefit transfers of funds into women's bank accounts on their lives and democratic participation.
- When
- Since the implementation of the JAM trinity post-2014, with specific examples cited from recent times.
- Where
- Rural areas of India, specifically mentioning Bihar and Madhya Pradesh.
- Why
- To reduce leakages and diversion of subsidies, empower women financially and politically, and foster economic agency.
- Article Type
- Opinion
- Publication
- News18.com
- Last Updated
- November 07, 2025, 14:56 IST
- Core Policy Mechanism
- Direct Benefit Transfers (DBTs)
- Enabling Technology
- JAM Trinity (Jan Dhan, Aadhaar, Mobile)
- Reported Impact
- Increased household savings, enhanced women's political voice, reduced diversion of funds