Siddhartha Sarkar S.P.Jain Institute of Management & Research

  Rural

or Poor Women in particularly vulnerable to health problems due to persistent gender inequalities.   Traditionally in rural or poor families, a women’s health is most neglected.   During menstrual cycles women use unhygienic cotton cloth.   This practice possesses a high risk to the health of women including infections and the risk of cervical cancer. ( chances are 98 out of 100 people will develop this type of cancer).   Reason : They do not know about sanitary napkins. Even if they know they cannot afford it.

  To

develop a self sustaining model that shall provide sanitary napkins at affordable costs to poor women in rural India.   Idea to be implemented –
   

Through Self Help Groups or NGOs Assistance for funds from Rural Cooperative Banks / Microcredit Institutions for initial investment.

  The

SHG ( Self Help Group ) sets up a Sanitary Napkin making workshop and sells it to women in the nearby villages at low affordable costs.

         

Place : Rajarhat District, West Bengal Village : Podra, Gram Panchayat 2 Population : 4000 ( approx) Female population = 1924 females ( Sex ratio = 927 females per 1000 males) Female population between the age of 13 to 45 (45% of female population)= 867 . Out of target group of 867, we can look to cater to at least half of them = 400 females. We target 4 such villages in the region.

   

Source : 2001 census.

  Procure

Machinery   Features of Machines
       

Manually operated Cost = Rs 75000/Output = up to 10 pads / min Manpower required to operate = 3-4 per machine

  Approach  

the following banks for Initial Capital Investment & Working Capital Loan
Rural Cooperative Banks – interest charged @4-5% per annum . These are usually tedious process to sanction loans. Micro Finance Institutions – interest charged @ 12-13% per annum Tenure = 18 months Loan is paid off as EMI’s or can be structured to match with the cashflows of the business.

     

Demand Raw materials are purchased in bulk. Rs 15000/- worth of raw materials produce around 36000 napkins To produce Total cost Raw Materials Variable Costs Salary Rent Other Expenses Fixed Costs Total Costs 45000 45000 129600 30000 18000 177600 222600 120000napkins Cost/unit 0.375 0.375 1.08 0.25 0.15 1.48 1.855 128000(400 females*4villages*80 pads used / year)

• 3 women can make 1 pad in 2 mins. • We employee 6 women for 8 hrs a day for a year

Breakeven at = Capital Investment / (Sales Price - Variable Cost) 136173napkins Price Revenues Expsense Profit Rs Rs Rs Rs 2.5 300000 222600 77400

  Sold

as packets of 8 napkins.   All distribution shall be through women only, as women are comfortable buying from other women.   Primarily distribution through local contacts of NGO’s functioning in the area.   Sold to the local self –help groups or NGOs, who buy in bulk and then sell it among its members and area of operation.

  Self

sustaining model having involvement of the community.   Health Awareness spread among women in rural and poor families   Affordable and hygienic @ Rs 2.50.   Generating women employment.
   

Direct Employment Indirect Employment

  Sensitizing

locals villagers about use of napkins   In some communities, it is a taboo to discuss about these female health issues.   Women are too shy to discuss these problems.   Explaining them about health issues.   The families of the women may not support her.   Other local manufactures are trying to penetrate into these low priced markets.