I am from Srinagar and who can better reply to you. Whatever economy we have it is all due to indigenous efforts. The great Sufi Saint Hazrat Amir Kabir Mir Syed Ali hamdani (ra) brought many crafts from Persia to Kashmir whether it is world famous handicrafts,paper machie, walnut wood craft or many other crafts. It forms a major component of our economy. Secondly we have horticulture which again is indigenous development and tourism which is the bounty bestowed by Almighty.
You have not allowed us to export our produce directly to international markets by disallowing cargo planes to land at Srinagar airport which is only a name sake international Airport with no international flights. We have huge resources of medicinal plants which we can't develop due to the occupation. Even after 70 years we have 12 hr load shedding everyday. The roads even in srinagar are worst in the world . you deliberately infused corruption in my state otherwise your occupation would end in a week. Your Army and BSF is looting our forests by cutting our green gold. Even after 70 years we don't have drainage system.
And about HDI, it would go up if you only leave us alone coz you are hindering our developement.
If you have business and you are not doing well then it is your problem.
I know many Kashmiri muslims who have some ..... business i will not mention here, and earning in lakhs. They have good contacts abroad specially in europe and middle east and no govt. has stopped them from doing business.
Now their children are settled in middle east and enjoying luxarious life and expanding their business. They happen to live in one of the posch areas of delhi and visit srinagar on monthaly basis for business purpose.
Another family I know, which has home near Lal chowk , they have good textile Business specially in pashmina and there is big demand of it.Those who are sane they are earning good because they k ow the consumership is in india more than Pakistan and with indian passport it is easy to have an american or schengen visa which is not in tje case of Pakistani passport.
Unfortunately and I am sorry to say you are one lazy person sitting at home and bitching about the government because people like you do not want to do hard work and then blame government of supressing the locality for your own failures.
If you were sensible enough you would have availed the opourtunity to do business.
Of course we cannot create another financial capital like mumbai in Jharkhand or Patna because every place has its own importance.
And secondly if we had allowed you to cut trees and roam in the mountains and protected aeeas then people like you would have destroyed all flora of the belt. Govt. Is not fool and believes in sustainable development of himalayan region. Let the green energy flourish and then you may ask permission from govt.
Everything is done stepwise. This is India not Pakistan.
