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SELF HELP GROUP

A STUDY ON“SELF HELP GROUP”

SUBMITTED BY:-

K.SANGEETHA
(3510910676)

S.SANGEETHA
(3510910677)

SARANYA VEERARAGHAVAN
(3510910689)

O.SARANYA
(3510910690)

SANTOSH KUMAR
(3510910687)

SUBMITTED TO:-

DR. JAYSREE SURESH

(DEAN OF SRM SHOOL OF MANAGEMENT)

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SELF HELP GROUP

SRM SCHOOL OF MANAGEMENT( SRM UNIVERSITY)

KATTANKULATHUR

KANCHIPURAM DISTRICT-603203

TAMILNADU, INDIA

ACKNOWLEDGEMENT

Any achievement big or small should have catalyst and a constant

encouragement, and advise valuable and noble minds.

The satisfaction that accompanies the successful culmination of any

task would be incomplete without those who made it possible because
success is the epitome of hard work, determination, consultation and
dedication. This list of thanks is heartfelt and only begins to acknowledge
those people to whom, one way or the other this owes its existence.

We still searching for appropriate words which we can express our

gratitude to my guide DR. JAYSREE SURESH whose vision facilitate
us on this “Study” concerning academic fulfillment and her unfailing
support that went a long way in successful completion of this course, but
more than it was her infinite enthusiasm and motivation that really
inspire us in our work.

We would also like to place a record of our profound gratitude to

our Dean Dr. Jaysree Suresh and other staff members for their valuable
guidance and suggestions in completion of the project
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SELF HELP GROUP

BONAFIDE CERTIFICATE

This is to Certify that this mini project report on -“SELF HELP

GROUP”

is the confide work of K.SANGEETHA, S.SANGEETHA, SARANYA

VEERARAGHAVAN, O.SARANYA, SANTOSH KUMAR , who carried

out the research under my supervision. Certified further, that to

the best of my knowledge the work reported herein does not

form part of any other project report or dissertation on the basis

of which a degree or award was conferred on an earlier occasion

on this or any other candidate.

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Project Guide Head of the Department

Self Help Groups

SHG is group of rural poor who have volunteered to organize themselves into a group

for eradication of poverty of the members. They agree to save regularly and convert

their savings into a Common Fund known as the Group corpus. The members of the

group agree to use this common fund and such other funds that they may receive as a

group through a common management. The group formation will keep in view the

following broad guidelines :

Generally a self-help group may consist of 10 to 20 persons. However, in difficult areas

like deserts, hills and areas with scattered and sparse population and in case of minor

irrigation and disabled persons, this number may be from 5-20. The difficult areas have

to be identified by the State Level SGSY Committee and the above relaxation in

membership will be permitted only in such areas.

Generally all members of the group should belong to families below the poverty line.

However, if necessary, a maximum of 20% and in exceptional cases , where

essentially required, upto a maximum of 30% of the members in a group may be taken
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SELF HELP GROUP

from families marginally above the poverty line living contiguously with BPL families

and if they are acceptable to the BPL members of the group. This will help the families

of occupational groups like agricultural laborers, marginal farmers and artisans

marginally above the poverty line, or who may have been excluded from the BPL list to

become members of the Self Help Group. However,the APL members will not be

eligible for the subsidy under the scheme. The group shall not consist of more than one

member from the same family. A person should not be a member of more than one

group. The BPL families must actively participate in the management and decision

making, which should not ordinarily be entirely in the hands of APL families. Further,

APL members of the Self Help Group shall not become office bearers( Group Leader,

Assistant Group Leader or Treasurer )of the Group.

The group should devise a code of conduct (Group management norms) to bind itself.

This should be in the form of regular meetings (weekly or fortnightly), functioning in a

democratic manner, allowing free exchange of views, participation by the members in

the decision making process.

The group should be able to draw up an agenda for each meeting and take up

discussions as per the agenda.

The members should build their corpus through regular savings. The group should be

able to collect the minimum voluntary saving amount from all the members regularly in

the group meetings. The savings so collected will be the group corpus fund.
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SELF HELP GROUP

The group corpus fund should be used to advance loans to the members. The group

should develop financial management norms covering the loan sanction procedure,

repayment schedule and interest rates.

The members in the group meetings should take all the loaning decisions through a

participatory decision making process.

The group should be able to priorities the loan applications, fix repayment schedules,

fix appropriate rate of interest for the loans advanced and closely monitor the

repayment of the loan installments from the lone.

The group should operate a group account preferably in their service area bank

branch, so as to deposit the balance amounts left with the groups after disbursing

loans to its members.

The group should maintain simple basic records such as Minutes book, Attendance

register, Loan ledger, General ledger, Cash book, Bank passbook and individual

passbooks. The sample proforma for maintenance of above records by the group is in

the Annexure II for guidance. These could be used with necessary changes/

modifications wherever required.

50% of the groups formed in each block should be exclusively for the women. In the

case of disabled persons, the groups formed should ideally be disability-specific

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SELF HELP GROUP

wherever possible, however, in case sufficient number of people for formation of

disability-specific groups are not available, a group may comprise of persons with

diverse disabilities or a group may comprise of both disabled and non-disabled

persons below the poverty line.

 Challenge for women entrepreneurs

Introduction

Women Entrepreneurs may be defined as the women or a group of women who

initiate, organize and operate a business enterprise. Government of India has defined

women entrepreneurs as an enterprise owned and controlled by a women having a

minimum financial interest of 51% of the capital and giving at least 51% of employment

generated in the enterprise to women. Like a male entrepreneurs a women

entrepreneur has many functions. They should explore the prospects of starting new

enterprise; undertake risks, introduction of new innovations, coordination

administration and control of business and providing effective leadership in all aspects

of business.

Push-Pull factors and Women in business

Women in business are a recent phenomenon in India. By and large they had confide

themselves to petty business and tiny cottage industries. Women entrepreneurs

engaged in business due to push and pull factors. Which encourage women to have an

independent occupation and stands on their on legs. A sense towards independent

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SELF HELP GROUP

decision-making on their life and career is the motivational factor behind this urge.

Saddled with household chores and domestic responsibilities women want to get

independence Under the influence of these factors the women entrepreneurs choose a

profession as a challenge and as an urge to do some thing new. Such situation is

described as pull factors. While in push factors women engaged in business activities

due to family compulsion and the responsibility is thrust upon them.

Problems of Women Entrepreneurs in India

Women in India are faced many problems to get ahead their life in business. A few

problems cane be detailed as;

1. The greatest deterrent to women entrepreneurs is that they are women. A kind of

patriarchal – male dominant social order is the building block to them in their way

towards business success. Male members think it a big risk financing the ventures run

by women.

2. The financial institutions are skeptical about the entrepreneurial abilities of women.

The bankers consider women loonies as higher risk than men loonies. The bankers put

unrealistic and unreasonable securities to get loan to women entrepreneurs. According

to a report by the United Nations Industrial Development Organization (UNIDO),

"despite evidence that women's loan repayment rates are higher than men's, women

still face more difficulties in obtaining credit," often due to discriminatory attitudes of

banks and informal lending groups (UNIDO, 1995b).

3. Entrepreneurs usually require financial assistance of some kind to launch their

ventures - be it a formal bank loan or money from a savings account. Women in

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SELF HELP GROUP

developing nations have little access to funds, due to the fact that they are

concentrated in poor rural communities with few opportunities to borrow money

(Starcher, 1996; UNIDO, 1995a). The women entrepreneurs are suffering from

inadequate financial resources and working capital. The women entrepreneurs lack

access to external funds due to their inability to provide tangible security. Very few

women have the tangible property in hand.

4. Women's family obligations also bar them from becoming successful entrepreneurs

in both developed and developing nations. "Having primary responsibility for children,

home and older dependent family members, few women can devote all their time and

energies to their business" (Starcher, 1996, p. 8).The financial institutions discourage

women entrepreneurs on the belief that they can at any time leave their business and

become housewives again. The result is that they are forced to rely on their own

savings, and loan from relatives and family friends.

5. Indian women give more emphasis to family ties and relationships. Married women

have to make a fine balance between business and home. More over the business

success is depends on the support the family members extended to women in the

business process and management. The interest of the family members is a

determinant factor in the realization of women folk business aspirations.

6. Another argument is that women entrepreneurs have low-level management skills.

They have to depend on office staffs and intermediaries, to get things done, especially,
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SELF HELP GROUP

the marketing and sales side of business. Here there is more probability for business

fallacies like the intermediaries take major part of the surplus or profit. Marketing

means mobility and confidence in dealing with the external world, both of which women

have been discouraged from developing by social conditioning. Even when they are

otherwise in control of an enterprise, they often depend on males of the family in this

area.

7. The male - female competition is another factor, which develop hurdles to women

entrepreneurs in the business management process. Despite the fact that women

entrepreneurs are good in keeping their service prompt and delivery in time, due to

lack of organizational skills compared to male entrepreneurs women have to face

constraints from competition. The confidence to travel across day and night and even

different regions and states are less found in women compared to male entrepreneurs.

This shows the low level freedom of expression and freedom of mobility of the women

entrepreneurs.

8. Knowledge of alternative source of raw materials availability and high negotiation

skills are the basic requirement to run a business. Getting the raw materials from

different souse with discount prices is the factor that determines the profit margin. Lack

of knowledge of availability of the raw materials and low-level negotiation and

bargaining skills are the factors, which affect women entrepreneur's business

adventures.
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9. Knowledge of latest technological changes, know how, and education level of the

person are significant factor that affect business. The literacy rate of women in India is

found at low level compared to male population. Many women in developing nations

lack the education needed to spur successful entrepreneurship. They are ignorant of

new technologies or unskilled in their use, and often unable to do research and gain

the necessary training (UNIDO, 1995b, p.1). Although great advances are being made

in technology, many women's illiteracy, strucutural difficulties, and lack of access to

technical training prevent the technology from being beneficial or even available to

females ("Women Entrepreneurs in Poorest Countries," 2001). According to The

Economist, this lack of knowledge and the continuing treatment of women as second-

class citizens keeps them in a pervasive cycle of poverty ("The Female Poverty Trap,"

2001). The studies indicates that uneducated women donot have the knowledge of

measurement and basic accounting.

10. Low-level risk taking attitude is another factor affecting women folk decision to get

into business. Low-level education provides low-level self-confidence and self-reliance

to the women folk to engage in business, which is continuous risk taking and strategic

cession making profession. Investing money, maintaining the operations and ploughing

back money for surplus generation requires high risk taking attitude, courage and

confidence. Though the risk tolerance ability of the women folk in day-to-day life is high

compared to male members, while in business it is found opposite to that.

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11. Achievement motivation of the women folk found less compared to male members.

The low level of education and confidence leads to low level achievement and

advancement motivation among women folk to engage in business operations and

running a business concern.

12. Finally high production cost of some business operations adversely affects the

development of women entrepreneurs. The installation of new machineries during

expansion of the productive capacity and like similar factors dissuades the women

entrepreneurs from venturing into new areas.

How to Develop Women Entrepreneurs?

Right efforts on from all areas are required in the development of women

entrepreneurs and their greater participation in the entrepreneurial activities. Following

efforts can be taken into account for effective development of women entrepreneurs.

1. Consider women as specific target group for all developmental programes.

2. Better educational facilities and schemes should be extended to women folk from

government part.
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3. Adequate training programe on management skills to be provided to women

community.

4. Encourage women's participation in decision-making.

5. Vocational training to be extended to women community that enables them to

understand the production process and production management.

6. Skill development to be done in women's polytechnics and industrial training

institutes. Skills are put to work in training-cum-production workshops.

7. Training on professional competence and leadership skill to be extended to women

entrepreneurs.

8. Training and counseling on a large scale of existing women entrepreneurs to

remove psychological causes like lack of self-confidence and fear of success.

9. Counseling through the aid of committed NGOs, psychologists, managerial experts

and technical personnel should be provided to existing and emerging women

entrepreneurs.

10. Continuous monitoring and improvement of training programs.

11. Activities in which women are trained should focus on their marketability and

profitability.

12. Making provision of marketing and sales assistance from government part.
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13. To encourage more passive women entrepreneurs the Women training program

should be organized that taught to recognize her own psychological needs and

express them.

14. State finance corporations and financing institutions should permit by statute to

extend purely trade related finance to women entrepreneurs.

15. Women's development corporations have to gain access to open-ended financing.

16. The financial institutions should provide more working capital assistance both for

small scale venture and large scale ventures.

17. Making provision of micro credit system and enterprise credit system to the women

entrepreneurs at local level.

18. Repeated gender sensitization programs should be held to train financiers to treat

women with dignity and respect as persons in their own right.

19. Infrastructure, in the form of industrial plots and sheds, to set up industries is to be

provided by state run agencies.

20. Industrial estates could also provide marketing outlets for the display and sale of

products made by women.

21. A Women Entrepreneur's Guidance Cell set up to handle the various problems of

women entrepreneurs all over the state.

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22. District Industries Centers and Single Window Agencies should make use of

assisting women in their trade and business guidance.

23. Programs for encouraging entrepreneurship among women are to be extended at

local level.

24. Training in entrepreneurial attitudes should start at the high school level through

well-designed courses, which build confidence through behavioral games.

25. More governmental schemes to motivate women entrepreneurs to engage in small

scale and large-scale business ventures.

26. Involvement of Non Governmental Organization’s in women entrepreneurial

training programs and counseling.

Self-help groups for mental health provide mutual support and peer support. Mutual

support is a process by which people voluntarily come together to help each other

address common problems.

Five theoretical frameworks have been used in attempts to explain the effectiveness of

self-help groups.

Social support: Having a community of people to give physical and emotional comfort,

people who love and care, is a moderating factor in the development of psychological

and physical disease.

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Experiential knowledge: Members obtain specialized information and perspectives that

other members have obtained through living with severe mental illness. Validation of

their approaches to problems increase their confidence.

Social learning theory: Members with experience become creditable role models.

Social comparison theory: Individuals with similar mental illness are attracted to each

other in order to establish a sense of normalcy for themselves. Comparing one another

to each other is considered to provide other peers with an incentive to change for the

better either through upward comparison (looking up to someone as a role model) or

downward comparison (seeing an example of how debilitating mental illness can be).

Helper theory: Those helping each other feel greater interpersonal competence from

changing other's lives for the better. The helpers feel they have gained as much as

they have given to others. The helpers receive "personalized learning" from working

with helpless. The helpers' self-esteem improves with the social approval received from

those they have helped, putting them an a more advantageous position to help others.

After independence Government of India launched innumerable social and economical

welfare programs in spite of poverty and unemployment proliferates. Earlier programs

like Integrated Rural Development Program (IRDP), Development of Women and

Children in Rural Areas (DWCRA), Training of Rural Youth for Self-Employment

(TRYSEM), Supply of Improved Toolkits to Rural Artisans (SITRA) and Ganga Kalyan

Yojana (GKY) were conceived to be complementary to each other, for achieving the

larger goal of poverty alleviation in the rural areas. Over the years, however, there was
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an erosion in the process of implementation of the programs. These were conceived as

integrated programs with the objective of supplementing each other efforts to ensure

energy. However each program has been implemented as a separate and independent

program that focused more on the achievement of individual program targets. The

over all impact of the programs in poverty alleviation, therefore was less than what was

expected of them. The programs were, therefore reviewed and the Swaranjayanti

Gram Swarozgar Yojana (SGSY) was launched on April 1999as the single self-

employment programes in their place

Women owned businesses are highly increasing in the economies of almost all

countries. The hidden entrepreneurial potentials of women have gradually been

changing with the growing sensitivity to the role and economic status in the society.

Skill, knowledge and adaptability in business are the main reasons for women to

emerge into business ventures. Women Entrepreneur’ is a person who accepts

challenging role to meet her personal needs and become economically independent. A

strong desire to do something positive is an inbuilt quality of entrepreneurial women,

who is capable of contributing values in both family and social life. With the advent of

media, women are aware of their own traits, rights and also the work situations. The

glass ceilings are shattered and women are found indulged in every line of business

from pappad to power cables. The challenges and opportunities provided to the

women of digital era are growing rapidly that the job seekers are turning into job

creators. They are flourishing as designers, interior decorators, exporters, publishers,

garment manufacturers and still exploring new avenues of economic participation.In

India, although women constitute the majority of the total population, the
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entrepreneurial world is still a male dominated one. Women in advanced nations are

recognized and are more prominent in the business world. But the Indian women

entrepreneurs are facing some major constraints like –

a) Lack of confidence – In general, women lack confidence in their strength and

competence. The family members and the society are reluctant to stand beside their

entrepreneurial growth. To a certain extent, this situation is changing among Indian

women and yet to face a tremendous change to increase the rate of growth in

entrepreneurship.

b) Socio-cultural barriers – Women’s family and personal obligations are sometimes a

great barrier for succeeding in business career. Only few women are able to manage

both home and business efficiently, devoting enough time to perform all their

responsibilities in priority.

c) Market-oriented risks – Stiff competition in the market and lack of mobility of women

make the dependence of women entrepreneurs on middleman indispensable. Many

business women find it difficult to capture the market and make their products popular.

They are not fully aware of the changing market conditions and hence can effectively

utilize the services of media and internet.

d) Motivational factors – Self motivation can be realized through a mind set for a

successful business, attitude to take up risk and behavior towards the business society

by shouldering the social responsibilities. Other factors are family support, Government

policies, financial assistance from public and private institutions and also the
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environment suitable for women to establish business units.

e) Knowledge in Business Administration – Women must be educated and trained

constantly to acquire the skills and knowledge in all the functional areas of business

management. This can facilitate women to excel in decision making process and

develop a good business network.

f) Awareness about the financial assistance – Various institutions in the financial sector

extend their maximum support in the form of incentives, loans, schemes etc. Even then

every woman entrepreneur may not be aware of all the assistance provided by the

institutions. So the sincere efforts taken towards women entrepreneurs may not reach

the entrepreneurs in rural and backward areas.

g) Exposed to the training programs - Training programs and workshops for every type

of entrepreneur is available through the social and welfare associations, based on

duration, skill and the purpose of the training program. Such programs are really useful

to new, rural and young entrepreneurs who want to set up a small and medium scale

unit on their own.

h) Identifying the available resources – Women are hesitant to find out the access to

cater their needs in the financial and marketing areas. In spite of the mushrooming

growth of associations, institutions, and the schemes from the government side,

women are not enterprising and dynamic to optimize the resources in the form of

reserves, assets mankind or business volunteers.

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Highly educated, technically sound and professionally qualified women should be

encouraged for managing their own business, rather than dependent on wage

employment outlets. The unexplored talents of young women can be identified, trained

and used for various types of to increase the productivity in the industrial sector. A

desirable environment is necessary for every woman to inculcate entrepreneurial

values and involve greatly in business dealings. The additional business opportunities

that are recently approaching for women entrepreneurs are:

• Eco-friendly technology

• Bio-technology

• IT enabled enterprises

• Event Management

• Tourism industry

• Telecommunication

• Plastic materials

• Vermiculture
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• Mineral water

• Sericulture

• Floriculture

• Herbal & health care

• Food, fruits & vegetable processing

Size of the SHG

* The ideal size of an SHG is 10 to 20 members.

(Advantage: In a bigger group, members cannot actively participate. Also, legally it is

required that an informal group should not be of more than 20 people.)

* The group need not be registered.

Membership

From one family, only one person can become a member of an SHG.(More families

can join SHG’s this way.)

The group normally consists of either only men or of only women. Mixed groups are

generally not preferred.

Women’s groups are generally found to perform better. (They are better in savings and

they usually ensure proper use of loans.)

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Members should have the same social and financial background.(Advantage: This

makes it easier for the members to interact freely with each other. If members are both

from rich as well as poor class, the poor may hardly get an opportunity to express

themselves.)

Some Common Factors for Membership in an SHG

Women/men from very poor households.

Those who depend on money lenders even for daily necessities.

Those with a per capita income not exceeding Rs. 250 per month.

Those having dry land holding not exceeding 2.5 acres.

Common living conditions for the Group Members

1 Living in kutcha houses.

2 Having no access to safe drinking water.

3 Having no sanitary latrine.

4 Those who have only one or no one employed in the family.

5 Presence of illiterate adults in the family.

6 Presence of an alcoholic or drug addict in the family or a member suffering

permanently from prolonged illness.

7 Presence of children below five years in the family.

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8 Family eating two meals or less a day.

9 Scheduled Caster or Scheduled Tribe families.

If a family has at least four of the above 9 common living conditions, it can be

considered poor, and one member of that family can be encouraged to become a

member of an SHG.

Meetings

The group should meet regularly. Ideally, the meetings should be weekly or at least

monthly. (Advantage: They become closer, if they meet regularly. This helps them to

understand each other’s difficulties better.)

Compulsory attendance : Full attendance in all the group meetings will make it easy for

the SHG to stabilize and start working to the satisfaction of all.

Membership register, minutes register etc., are to be kept up to date by the group by

making the entries regularly.(Advantage: This helps you to know about the SHG easily.

It also helps to build trust among the SHG members.)

Keeping of Accounts by the SHG:

1) Simple and clear books for all transactions to be maintained.

If no member is able to maintain the books, the SHG may take outside help. (It has

been seen that a boy or girl from the village with some educational qualification does

this job enthusiastically. After some months, the group can even consider giving him or

her a small reward for this job.)

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Animator can also help.

All registers and account books should be written during the course of the meeting.

(Advantage: This creates confidence in the minds of members who are unable to read

and write.)

2 What are the books kept by an SHG?

i) Minutes Book:

The proceedings of meetings, the rules of the group, names of the members etc. are

recorded in this book.

ii) Savings and Loan Register:

Shows the savings of members separately and of the group as a whole.

Details of individual loans, repayments, interest collected, balance, etc. are entered

here.

iii) Weekly/ Fortnightly/ Monthly Register:

Summary of Receipts and payments.

Updated in every meeting.

iv) Members’ Passbooks:

Individual members’ pass books in which individual’s savings and loan balance

outstanding is regularly entered.

3 Major Functions of an SHG

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a. Savings and Thrift:

* All SHG members regularly save a small amount. The amount may be small, but

savings have to be a regular and continuous habit with all the members.

* “Savings first-Credit later” should be the motto of every SHG member.

* SHG members take a step towards self-dependence when they start small savings.

They learn financial discipline through savings and internal lending. (Advantage: This is

useful when they use bank loans.)

b. Internal lending:

* The SHG should use the savings amount for giving loans to members.

* The purpose, amount, rate of interest, schedule of repayment etc., are to be

decided by the group itself.

* Proper accounts to be kept by the SHG.

(Specimen formats given as an Annexure at the end of this book.)

c. Discussing problems:

In every meeting, the SHG should be encouraged to discuss and try to find solutions to

the problems faced by the members of the group. Individually, the poor people are

weak and lack resources to solve their problems. When the group tries to help its

members, it becomes easier for them to face the difficulties and come up with

solutions.
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d. Taking bank loan:

The SHG takes loan from the bank gives it as loan to its members. Soon after an SHG

is formed and one or two meetings held where the savings are collected, a savings

bank account can be opened in the name of the SHG.

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VETRI CANTEEN SERVICES

SHG

Year of establishment-2008

Owners: subulakshmi & sarawathi

Idea Generation:

Their residency is at potheri; their family business is a canteen service outside the
campus. For this their major customers were SRM students. Out of which maximum
were boys hence they found a scope for starting a canteen at girls hostel. This was
considered to be the opportunity for starting up their business. Moreover, they found
that there were no competitors inside the girl’s hostel.

Thus, the respective authorities were met and they got approved for the business.
Later with the help of SHG, the canteen was established.

Partnership: the canteen was established with the partnership of two sisters.
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Balancing personal life:

Women entrepreneurs face lots of threats and problems in today’s competitive world.
So there should be a balance in their business and the personal life.

The canteen services start from 10.00am to 8.00pm.hence these women

entrepreneurs should plan their daily activities and reach the canteen around 9.00am
and begins their work.

Raw materials:

The business is a canteen service and hence the raw materials are follows:

Rice, wheat, vegetables, oil, sugar, salt, spices etc.

Outsourcing:

The vegetables are purchased every two days from koyambedu market and stored in
refrigerator. Other raw materials are got from tambaram.

Labour:

Two men are working in the kitchen for cooking and there is a helper to do other works.

Plus the two women entrepreneur accompanying the labour.

The labours are from North India and they are paid on a monthly basis.
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Sources of customers:

The customers are from girls hostel and other staffs working in the hostel.

Dishes served:

• Veg fried rice- Rs 40.

• Veg noodles- Rs 35
• Paneer butter masala- Rs 65
• Aloo mutter- Rs 50
• Malai kofta- Rs 50
• Chicken fried rice- Rs 55
• Egg fried rice- Rs 40
• Egg noodles-Rs 40
• Chicken noodles- Rs 50
• Samosa- Rs 6
• Soup- Rs 15
• Cutlet- Rs 8
• Chicken tikka- Rs 55
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FINANCIAL STATEMENT

PARTICULARS AMOUNT AMOUNT

CAPITAL

GOVERNMENT 200000

OWN INVESTMENT 35000

LOAN 65000

300000

RAW MATERIAL

OIL & OTHER ITEMS 5000

RICE
20000
VEGETABLES
6000
KINDS OF MASALAS
15000
CHICKENS

18000 64000

EXPENSES:

RENT 2500

ELECTRICITY 2000

SALARIES 8500

CYLINDER 6000

19000
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MAINTENANCE CHARGE 5000

5000

MISCELLANEOUS EXPENSES 3000 3000

Problem identification:

• The canteen size is too small that accomplishes too many activities with five
persons working simultaneously.
• The time taken to deliver the dishes is very late. This makes the students to lose
their patience.
• No Diversification of products.
• No sufficient labours for serving and taking order.
• Non-availability of south-Indian dishes
• Communication gap between the women entrepreneur and the labours.
• Store opening timings-dissatisfies the students while pushing up to buy certain
emergency things.
• No token system.
• No separate counters for main dishes and other things
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RECOMMENDATIONS & SUGGESTIONS:

There are few problems that has been analyzed during the study. These problems can
be sort out easily and major changes can be brought about when some changes are
carried out.
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• There can be an addition in the cook so that the food is served as quickly as
possible
• Fresh juices, fruit salads, ice-creams and snacks can also be served with the
main items.
• South-Indian dishes can be introduced. This attracts even more students.
• There can be a uniform dress code for the cooks.
• More hygiene should be maintained.
• Introduction of token system is the immediate need to avoid over crowding.
• Provision of menu cards.
• Room delivery can also be taken care of.
• Packed food can also be introduced in the canteen services.

CONCLUSION
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Empowering women entrepreneurs is essential for achieving the goals of sustainable

development and the bottlenecks hindering their growth must be eradicated to entitle
full participation in the business. Apart from training programs, Newsletters, mentoring,
trade fairs and exhibitions also can be a source for entrepreneurial development. As a
result, the desired outcomes of the business are quickly achieved and more of
remunerative business opportunities are found. Henceforth, promoting
entrepreneurship among women is certainly a short-cut to rapid economic growth and
development. Let us try to eliminate all forms of gender discrimination and thus allow
‘women’ to be an entrepreneur at par with men.

Independence brought promise of equality of opportunity in all sphere to the Indian

women and laws guaranteeing for their equal rights of participation in political process

and equal opportunities and rights in education and employment were enacted. But

unfortunately, the government sponsored development activities have benefited only a

small section of women. The large majority of them are still unaffected by change and

development activities have benefited only a small section of women i.e. the urban

middle class women. The large majority of them are still unaffected by change and

development. The reasons are well sighted in the discussion part of this article. It is

hoped that the suggestions forwarded in the article will help the entrepreneurs in

particular and policy-planners in general to look into this problem and develop better

schemes, developmental programs and opportunities to the women folk to enter into

more entrepreneurial ventures. This article here tries to recollect some of the

successful women entrepreneurs like Ekta Kapoor, Creative Director, Balaji Telefilms,

Kiran Mazumdar Shaw, CEO, Biocon, Shahnaz Husain and Vimalben M Pawale, Ex

President, Sri Mahila Griha Udyog Lijjat Papad (SMGULP).

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The existing scenario has been analyzed in the study. Various problems have been
identified and suitable suggestions have also been given. With the help of these
suggestions and recommendations this SHG can gain more profit and attract more
number of customers in the future.
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