(Learn the Unknown to Navigate Agriculture)

A News Magazine From Microtel Computer Education Institute

Friday, October 28, 2011, Edition-4

You are the best social entrepreneur

The best yogi is one who regards every being like oneself and who can feel the pain and pleasures of others as ones own, O Arjuna. (Gita-6.32)

Swapan Muhuri, Secretary, MCEI

Hello my dear sir, do you know who you are?

Nothing is beyond the reach of those who have others interest in their mind. Selfless service to humanity is the true service to God and the highest form of worship.

Economic crisis, financial pressures are worsening existing social problems such as poverty and unemployment. So someone should be in the society like you with final objective of creation of wealth, who has the courage to take calculated risks, to find new and better ways to stimulate the economic progress for neglected, poor people that lacks the financial resources or political influence to achieve the transformative benefit for them. So, you are a real builder: of a better world for social good; combining your philanthropic energies, the passion of a social mission with an image of business-like discipline, innovation, and determination to moderate the financial repercussion of our country. You are a special visionary: trying to create fundamental social changes by reforming social systems and creating sustainable improvements. Though you may act locally, but your actions have the potential to inspire global improvements in your chosen arenas, whether that is education, health care, economic development, environment, arts, culture or any other social field. You are an engine of innovation: ready to apply ideas to new situations. You understand that all social innovations are not successful; still you consider failures as learning opportunities in disguise because they inform you what to avoid in future. You are Accountable: to your beneficiaries as well as to funders. Hence, often many questions come into your mind, like Am I creating value for the people I am serving? Do I understand their needs? This is because you want to know whether your contributions are indeed stimulating social improvements or not, as promised by you. So, according to me you are a Social Entrepreneur and your entrepreneurship is Not Just Charity. While charity reflects the sponsors sympathy for humankind and is measured in terms of the kindness of donations to the less fortunate, but social entrepreneurship reflects more than the good intentions, because you are not merely driven by compassion, but are also compelled by a desire for social change. In other words, while charity uses donor funds to buy food to alleviate the Poors hunger, even though only temporarily, but as social entrepreneur you use the funds to teach the poor how to grow their own food so that they can take care of themselves in the long run. There are many creative, unselfish, morally good people with innovative ideas in our country. But most scholars and artists come to rest when they express an idea; many managers relax when they solve the problem of only their company or institution; and most professionals are happy when they satisfy a client. It is only you who have a very special driving motivation in the core of your personality; literally nothing can stop you until you are able to change the whole society. Social entrepreneurs from developing countries are seldom known. It is because many, especially those who have initiated entrepreneurial projects to lift the society out of poverty, simply gone unrecognized. The field of social entrepreneurship conventionally gives recognition only to the elite group who have acquired specialized training in an institutional setting. But the true social entrepreneurs never claim the glory for themselves that work for their goal like their lives depend on it; they dont work to be counted. We dont find them in congresses, seminars and forums; they dont read literature about social entrepreneurship. They just are social entrepreneurs because they need to live for it and by it. In an effort to take out a living, many rural poor have unknowingly become social entrepreneurs. These entrepreneurs have low or maybe even zero visibility in the field of social entrepreneurship, because many of them do not have resources like internet access or even the necessary language skills to discuss their ideas. Yet, they are contributing in significant ways to the betterment of their communities. They have a huge impact on their immediate surroundings, especially on the poor people around them. Dear friends, most of the poor people of our country do not want to live on charity; instead they want a sustainable way of making a living. If we can provide them the tools and resources, then they can generate a consistent income to guarantee their own financial security, and their own families economic stability, then they will be ready to use their skills and resources to serve others in the community through their social ventures. Remember, individuals contribution is the key to sustainable economic development. At last I would like to request you to give me a chance to work for people like you, who are working for the poorest of the poor people in the country. With Best Regards from the secretary of MCEI, Swapan Ch. Muhuri

PROJECTS FROM GOVERNMENT

CENTRAL GOVERNMENT
MINISTRY OF AGRICULTURE
Rashtriya Krishi Vikas Yojana (RKVY) valid upto 06/08/2012 Gramin Bhandaran Yojna valid upto 31/03/2012

STATE GOVERNMENT
JHARKHAND
Member of Legislative Assembly Scheme (Lok Jal Samridhi Yojna) valid upto 31/03/2012 Indira Awas Yojna 31/03/2012

DELHI
Scheme for Prevention Of Alcoholism and Substance (Drugs) Abuse valid upto 01/01/2012

GOA
Goa Cyberage Student Scheme, 200405 Development of Manure Scheme valid upto 01/ 01 / 2012

MINISTRY OF SOCIAL JUSTICE & EMPOWERMENT

Scheme of Assistance to Disabled Persons for Purchase/ Fitting of Aids/ Appliances (ADIP Scheme)

RAJASTHAN
Jan Shree Bima Yojna Revised Integrated Housing Scheme 2005 for Beedi Workers, etc. Akshat Yojna for unemployed graduates

CHATTISGARH
Asvachh Dandha Chhatravritti Yojna valid upto 30/06/2015

MINISTRY OF TRIBAL AFFAIRS

Schemes of National Scheduled Tribes Finance and development Corporation (NSTFDC)

MADHYA PRADESH
Rani Durgavati Anusuchit Jaati/ Anusuchit Jan Jaati Swarojgar Yojna

HIMACHAL PRADESH
Back Yard Poultry Development Scheme valid upto 01/01/2012 Fishermen Relief Fund Scheme

BIHAR
Swarnajayanti Gram Swarojgar Yojna (SGSY) valid upto 21/10/2011

MINISTRY OF CONSUMER AFFAIRS, FOOD AND PUBLIC DISTRIBUTION

Hill Transport Subsidy Scheme Decentralized Procurement Scheme

JAMMU & KASHMIR

Jammu and Kashmir Rural Employment Guarantee Scheme (JKREGS).

HARYANA
Swayamsidha (Indira Mahila Yojna) valid upto 01/01/2012

STATE GOVERNMENT
Andaman and Nicobar Island
Financial Assistance to Physically Handicapped Unemployed Persons 31/12/2013 Assistance to Needy Widows valid upto 31/12/2013

GUJARAT
Interest subsidy or Investment subsidy to small scale industrial units scheme, 2000 valid upto 25/10/2011 Scheme for Integrated Horticulture Development Programmes valid upto 01/01/2012

KERALA
Handloom Export Scheme valid upto 31/03/2015 Noon Meal Scheme for High school Students valid upto 31/03/2012

CHANDIGARH
Chandigarh Model Milch Cattle Centre Scheme, 2008

ARUNACHAL PRADESH
Permanent and Continuous Lok Adalat with Conciliation and Counseling Centre Scheme, 2007 valid upto 31/12/2011 Consolidated Sinking Fund Scheme valid upto 31/01/2012 Integrated Low Cost Sanitation Scheme valid upto 31/10/2013

ORISSA
Swajaladhara Scheme

FOREIGN AGENCIES
DFIDs White Paper, Eliminating World Poverty: Building Our Common Future, outlines DFIDs approach to working with civil society. It highlights the fact that DFID recognises that the work of governments alone will not be enough to eliminate world poverty and that to achieve further and faster poverty reduction, governments must work closely with citizens and civil society groups.The White Paper states that over the next few years DFID will increase its work with organisations in the UK and overseas who play an important role in development. This will include groups with who do not currently benefit from DFID support.

Friends of Womens World Bank, India

Loan available for below mentioned project @9% p.a. Interest Institutional and Capacity Building Community Based Institutional and Capacity Building Micro Finance Institutions Organizations (ICB CBO) (ICB MFI) Livelihood and Enterprise Development ( Lead ) Solar Energy Financial Security Water and Sanitation Program (WATSAN)

PROJECT PROPOSAL
Introduction of the Project: We all know that trees are the god given gift for the universe. Trees makes the environment clean. The environment polluted by vehicles, factories and other human utilities. Trees clean the environment by its process of photosynthesis. But, now days the population of the world is getting higher and higher. Also the utilities of the human beings are getting higher. Hardly polluted environment gradually loosing the strength to control the bad contents of the sunlight. The layer which saving us from the ultraviolet and infrared rays from the sun is called ozone layer. In scientifically researches; it is proved that the ozone layer is getting weaker by pollution and it is causing global warming. And deforestation is one of the main things to cause global warming. In the past some years most of the forest areas in the earth is vanished. Because of higher population the living area is getting more and we cut the trees for living place and use of fire wood. Justification of the project: Apart from villagers more than 95% of Indian bakeries use firewood to fuel their ovens. A medium sized bakery uses about 3 cubic feet of firewood per day, a single medium sized tree provides about 4 cubic feet wood. Maximum portion of firewood is taken illegally from protected / reserve forest. However, rice mills and paper mills regularly discard paddy husk and waste respectively, dumping it along stream banks. Due to high silica contain paddy husk takes a long time to decompose, so the paddy husk eventually burned. To reduce impact on forest poor villagers and bakery should start using husk firewood instead of fuel wood. Husk Firewood is a non conventional energy, can be used instead of fuel firewood. It can be made from agro wastes, paddy husk, green gram husk, and all other agricultural wastes can be recycled into green firewood. It is rounding cylindrical in shape. It is made by pressing technology by machine. It contains low moisture so easy to burn. Husk Firewood gives more

heat than firewood, almost 3 times better. It is easy to store. It has low ash content than firewood. It gives about 4200 kcal/kg energy. Husk Firewood is a recycled product. It is an example for waste management. Its production helps to remove the wastes and turn into usable product. Using of husk firewood helps deforestation. So use of husk firewood will save trees and trees will save us & the earth. The focus of the project is to replace firewood with the production of husk firewood made out of paper mills waste and with other agro organic waste like paddy husk.
OBJECTIVES OF THE PROJECT:-

1.

The main objective of the project is to promote environment friendly energy for cooking for villagers. Rice Husk firewood is to improve the quality life of fishing communities. In the long run, our initiative will reduce the chopping down of trees thus maintaining forestation and avoiding land degradation. The project also has the objective towards advocating, researching and implementing of environmentally responsible natural resource management for the sustainable development of poor fishermen. Additionally, it will provide an environment-friendly disposal method that contributes generally to the reduction of carbon and other hazardous emissions into the atmosphere.

2. 3.

4.

5.

In India, a large number of people is involved in agriculture and fishing. The by-product from agricultural farm, rice husk is normally disposed by burning. The project has intended to demonstrate the new technology of Rice Husk firewood, where the firewood is very shortage for cooking. 2 kg of rice husk firewood is sufficient to cook a meal for average 8 members in contrast to the conventional cooking which consume 8 to 10 kg of firewood for cooking the same. Capacity -Building Component: The project will conduct public awareness Campaign in the target area, demonstrating the use and efficiency of Rice husk firewood. Promoting Public Awareness of Global Environment: The demonstration of rice husk firewood will clearly sent a strong message that the husk firewood will help to save the cost for cooking meals and as well as environment friendly technology will save huge trees. Project Results:

The Rice Husk Firewood will socially become very popular as it is easy to use, simple to cook, low cost and easy availability. This in turn will save emission of 22.44 tonnes of Carbon (Co2) in the atmosphere (emission factor for 0.00148252454418 kg of Co2 from per Kg. firewood). Market Potential: The popularity of Rice Husk Firewood will lead to the development of a number of enterprises. A part from village there are vast market for Rice Husk Firewood in city and urban area. Starting from small tea stall, small hotel & restaurant, sweet manufacturers, whoever right now using coal will shift to rice husk firewood. There are various reasons behind the use of husk firewood like (i) high calorific value (ii) less ash contain (iii) low moisture contain (iv) low cost (v) less wastage and (vi) easy handling. Comparison with other Fuels:
S/N
1 2 3 4 5 6 7

Particular
Calorific Value Ash Pollutions & poisonous effluent smoke Moisture Cost Wastage Handling

Firewood
2500 to 3000 kcal/kg 20 to 28% Smoke 25 to 35% Rs.8.00 20 to 25% Tough, requires more areas

Husk Firewood
4200 to 4500 kcal/kg 0.5 to 6% No Smoke, No Sulphur 5 to 8% Rs.5.00 8 to 10% Easy, because of packed material

Coal
4500 to 6000 kcal/kg 25 to 50% Sulfur, Co2 10% Rs.10.00 15 to 20% Tough

Pollution Control: Since, firewood manufacturing machine is run on scientific lines, no significant pollution is created. However, firewood unit will take care in maintaining proper hygienic and sanitary conditions, in and around the shed. Still we will get No Objection Certificate from State Pollution Control Board. Energy Conservation: Main energy source is electricity. Electric bulbs of only required wattage should be fitted in the shed. Best use of natural light should be made as far as possible. Attractiveness of the Project: High Profitability Excellent Growth Potentially Ready Market Wide Variety and easy availability of agro waste from various crops Short generation and quick returns Employment potentiality Conversion of natural resources (wastage) into hi-tech energy and maintenance of ecological balance.

Implementation Schedule:
The project may be implemented in 6 months after the sanction of the loan. The implementation schedule has been worked out as follows: 1 2 3 4 5 6 7 8 9 Project preparation Site selection, acquisition of land and development etc. Sanction of loan Construction of sheds Sanction of electric power Other civil works Procurement of machinery and equipments Recruitment of Staff and labour Trial Run 0-1 month 0-1 month 0-1 month 0-1 month 0-2 months 0-1 month 0-1 month 0-1 month 0 -3 months

S/N 1

Total Turnover (per year) Particular sale price per ton Total firewood production = 1350 tons Rs.5,000.00 Handling loss @5% = 67.5 tons x 1282.5 tons Sale able Finished firewood = 1282.5 tons Total Gross Profit (before Tax) Particular Total Turnover Total cost of production Total Net profit before tax Gross Profit Ratio Gross Profit x 100 = --------------------------------Total Turnover Rs. 10, 24,917.00 x 100 = --------------------------------Rs. 64,12,500.00 = 15.89% say 16%

Amount Rs.64,12,500.00

Rs.64,12,500.00

S/N 1 2

Amount Rs.64,12,500.00 Rs. 53,87,583.00 Rs. 10,24,917.00

Rate of Return Gross Profit x 100 = ------------------------------Total investment Rs. Rs. 10,24,917.00 x 100 = ------------------------------Rs. 23, 87,331.00 = 42.93 %

Pls. apply to DIC (District Industrial Centre) for this project. Project value around Rs. 23 lakh.
Loan Repayment Schedule in 8.5 years Quarterly pay schedule Loan Amount : Rs. 17,90,500.00 , Rate of interest : 13% Year 1st year Quarter 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter 3rd Quarter 4th Quarter 1st Quarter 2nd Quarter Loan amount Rs. 17,90,500.00 Rs. 17,00,000.00 Rs. 16,00,000.00 Rs. 15,50,000.00 Rs. 15,00,000.00 Rs. 14,50,000.00 Rs. 14,00,000.00 Rs. 13,50,000.00 Rs. 13,00,000.00 Rs. 12,50,000.00 Rs. 12,00,000.00 Rs. 11,50,000.00 Rs. 11,00,000.00 Rs. 10,50,000.00 Rs. 10,00,000.00 Rs. 9,50,000.00 Rs. 9,00,000.00 Rs. 8,50,000.00 Rs. 8,00,000.00 Rs. 7,50,000.00 Rs. 7,00,000.00 Rs. 6,50,000.00 Rs. 6,00,000.00 Rs. 5,50,000.00 Rs. 5,00,000.00 Rs. 4,50,000.00 Rs. 4,00,000.00 Rs. 3,50,000.00 Rs. 3,00,000.00 Rs. 2,50,000.00 Rs. 2,00,000.00 Rs. 1,50,000.00 Rs. 1,00,000.00 Rs. 50,000.00 Interest Rs. 58,191.00 Rs. 55,250.00 Rs. 52,000.00 Rs. 50,375.00 Rs. 48,750.00 Rs. 47,125.00 Rs. 45,500.00 Rs. 43,875.00 Rs. 42,250,00 Rs. 40,625.00 Rs. 39,000.00 Rs. 37,375.00 Rs. 35,750.00 Rs. 34,125.00 Rs. 32,500.00 Rs. 30,875.00 Rs. 29,250.00 Rs. 27,625.00 Rs. 26,000.00 Rs. 24,375.00 Rs. 22,750.00 Rs. 21,125.00 Rs. 19,500.00 Rs. 17,875.00 Rs. 16,250.00 Rs. 14,625.00 Rs. 13,000.00 Rs. 11,375.00 Rs. 9,750.00 Rs. 8,125.00 Rs. 6,500.00 Rs. 4,875.00 Rs. 3,250.00 Rs. 1,625.00 Rs. 9,71,441.00 Re-payment of Loan Rs. 90,500.00 Rs. 1,00,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 50,000.00 Rs. 17,90,500.00 Balance loan payable Rs. 17,00,000.00 Rs. 16,00,000.00 Rs. 15,50,000.00 Rs. 15,00,000.00 Rs. 14,50,000.00 Rs. 14,00,000.00 Rs. 13,50,000.00 Rs. 13,00,000.00 Rs. 12,50,000.00 Rs. 12,00,000.00 Rs. 11,50,000.00 Rs. 11,00,000.00 Rs. 10,50,000.00 Rs. 10,00,000.00 Rs. 9,50,000.00 Rs. 9,00,000.00 Rs. 8,50,000.00 Rs. 8,00,000.00 Rs. 7,50,000.00 Rs. 7,00,000.00 Rs. 6,50,000.00 Rs. 6,00,000.00 Rs. 5,50,000.00 Rs. 5,00,000.00 Rs. 4,50,000.00 Rs. 4,00,000.00 Rs. 3,50,000.00 Rs. 3,00,000.00 Rs. 2,50,000.00 Rs. 2,00,000.00 Rs. 1,50,000.00 Rs. 1,00,000.00 Rs. 50,000.00 Rs. 00.00

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9th year