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 Introduction to project report
 Statement of project
 Objectie! of !tud"
 Scope of !tud"
 #et$odo%o&"
 'imitation!
 Hi!tor" of S*DRDP
 'ocation
 Scope of project! or coerin& area
 Objectie!
 -e%iee!
 #i!!ion!
 A.ard!
 Or&ani!ation
 -oard of Tru!tee!
 Or&ani!ation C$art
 Partner!
 )unction!
 Dee%opmenta% actiitie!
 Se%f $e%p &roup!
 Pra&at$inid$i pro&ramme
 )orm dee%opment actiitie!
 Communit" dee%opment actiitie!
 Trainin&
 )indin&!
 Su&&e!tion!
 Conc%u!ion
 9ue!tionnaire
 -ib%io&rap$"
“Dee%opment of S$ri *!$etra D$arma!ta%a Rura% Dee%opment
Project:7 .it$ reference to S$i;aripura”.
 Introduction to project report
 Statement of project
 Objectie! of !tud"
 Scope of !tud"
 #et$odo%o&"
 'imitation!
 C$apter Sc$eme


In India particularly after independence the task of rural
development has been given a place of priority in five-year plans and the
growing ineuality between the rich and poor in rural areas has brought
about the urgency to development. It has been the constant endeavour! of
the government to develop the rural areas and accordingly various
schemes have been formulated from time to time for this purpose. "ut
result of those schemes varies from time to time from place to place and
in various sectors. "ut some e#periment schemes have lost their
It is now commonly conceded that the most of the poverty
alleviation programmes could not reduce the incidence of poverty
substantially for the variety of reasons wrong selection of beneficiaries$
leakages corruptions and malpractices$ absence of forward and backward
linkages in the pro%ect and inadeuacy in delivery and monitoring of
credit are few factors identified by the agricultural credit review
"ut rural development pro%ect are have to be free from above said
awful factors. &his study is going on such a great rural development
programme. “'hri (shetra )harmasthala *ural )evelopment +or%ect”
which was lunched by )harmadhikari )r. ). ,eerendra -eggade.

&he '()*)+ took up women empowerment programmes$
awareness against addictions$ technology transfer programmes for
improving the farming practices among weaker sections.
/ith the passage of time '()*)+ began to play role in transfer of
technology$ providing the infrastructure$ providing finance through micro
credit. "esides this$ the pro%ect concentrated on the empowerment of
rural women and hence began 01nanavikasa +rogramme0. In response to
the social needs of the area the '()*)+ innovated into activities like
1ana%agruthi$ 2ommunity )evelopment$ 'iri etc.$
3 village level worker known as 0'evaniratha0$ approached the
stakeholder families$ sat with them to prepare a five-year development
plan and assisted them to implement the same. &he )harmasthala temple
has given the reuired material support like euipments$ seed material in
the form of charity.
4arge uantities of rice were distributed during the initial decades
as a compensation for the families while they worked in their own lands.
the concept of 05ood for /ork0 was implemented by '()*)+$ with a
view to develop the lands.
Statement of topic
1. &his study is going on “ the analysis of the 'hree (shetra
)harmasthala *ural development +ro%ect” - case study of
2. &he study state the programmes introduced by the '..(.).*.).+.
3. &his study state total beneficiaries of pro%ect and total amount of
benefit given by the pro%ect in 'hikaripur
.. &his study analysis the financial performance of pro%ect in
6. &he study analysis the opinion of the respondent members
regarding the pro%ect in 'hikaripur.
7. &his study states the constaints and problems facing by the
8. &his study gives the measures to overcome from current problems.
Objectie! of !tud"
&o know the origin$ ob%ectives$ scope$ and programmes of the
1. &o assess the implication of the performance of the '()*)+ on
self-employment opportunities in 'hikaripur
2. &o know the programmes and activities incorporated for rural
3. &o study the performance and progress of '()*)+ in 'hikaripur.
.. &o find out the attitude of respondents towards the present state of
uality services offered by the '()*)+ in 'hikaripur.
6. &o identify the programmes which are benefited in more to people
or member of the '()*)+ programme.
7. &his study also finds out the problems and constrains of the
programmes in implementations and suggests pro%ect policy
8. &o suggest measures for further implementations of programmes
of the scheme..
&he present study is empirical in nature and was studied using
primary and secondary data.
&his study has been taken for the 12 sample villages of the
'hikaripur were selected on random basis from which 9: respondents
were selected and these all respondents are members of '()*)+
Primar" Data
&o collect the primary data relating to relevant beneficiaries three
method of survey are used.
1. <uestionnaire method.
2. 5ield work method.
3. +ersonal interview.
<uestionnaire method.
&o collect the details of the beneficiaries$ we made list of more
over 2: uestions$ which cover all matter of beneficiaries.

5ieldwork method
I made visit to branch office in 'hikaripur$ and consult many field
officers and collect the details of beneficiaries and programmes of pro%ect
+ersonal interview
+rimary data is collected by personnel interview with pro%ect
managers$ supervisors$ and field officers. )ata is also collected from the
members of the self-help groups benefited from '.(.).*.).+.
Secondar" data<
&his study also based on the secondary data "esides the primary
data$ data is collected from the secondary sources like books$ records
and periodicals maintained in the organisation
&he data has been taken from 'hikaripur branch office for the
period of two financial years and the data collected from various
published issue of '()*)+ and web sights pro%ect scheme... =ost of the
secondary materials are collected from officials of '.(.).*.).+.
Scope of !tud"
&he scope of this pro%ect is confined only 'hikaripur taluk only.
&he study was conducted to know the performance of “S$ri *!$et$ra
D$arma!t$a%a 0ramab$irud$i 5ojana” in the development of rural
areas. &he study was intended to know the developmental activities
undertaken in rural areas.
Ana%"!i! and interpretation>
&he data collected from primary sources is analysed and
interpreted systematically in the form of statements $ charts$
;raphs and tables. &he diagrams are in the form of bar and pie charts.
&he study had certain limitations$ they are>
4imitation of time factor
/ith in the short time duration it was not possible to collect all
related data along with the academic studies.
4imitation of practical knowledge
&here is a lack of e#perienced knowledge related to how to
conduct the pro%ect work. i.e.$ collection $ summarise $ analyses$ and
interpretation of data.
4ack of co ordination with relevant providers
*espondent beneficiaries were do not co-ordinate to collect
information. &hey made hesitation to give details about them. &he
officers of pro%ect were also did not give the information in right time due
to heavy woks stress of them.
4imitation to picking of samples
&his study is only made on the 9: '-; members of the
'.(.).*.).+. from 12 villages of 'hikaripura.
@on-availability of some dataAs has also affected the uality of the
pro%ect report. &he money constraints have also affected the uality of the
pro%ect report.
C$apter Sc$eme
&his pro%ect report is on “S$ri *!$et$ra D$arma!t$a%a
0ramab$irud$i 5ojana” with reference to “2ase study on 'hikaripura
"ranch” in particular this pro%ect report consists of altogether 8 chapters.
&he 5irst chapter consists of Introduction here Introduction has
been given in general and also$ it consists of main ob%ectives for
preparing the pro%ect report$ 'cope and ob%ectives of the study and

&he second chapter consists of “-istory of 'hri (shethra
dharmasthala” as it has been considered earlierB my pro%ect report is on
rural development$ I have mentioned the ob%ectives$ missions$ believes of
this organisation in rural development.
&he third chapter consists of *ole of 'hri (shethra dharmasthala
;ramabhirudhi Co%ana in rural )evelopment ” . It consists functions
of the organisation and the developmental activities undertaken
by the organisation for rural development.
&he fourth chapter consists of “'tructure and organisational view ”.
It mainly includes the -ierarchy$ Drganisation and functions and
&he fifth chapter consists of “perfiomance development of
'.(.).*.).+ 'hikaripura branch”
&he si#th chapter consists of “3nalysis and interpretation of survey
”$ the survey plays a very important role in any pro%ect report . &he
survey was conducted for members of self help groups benefited from
'hri (shethra dharmasthala ;ramabhirudhi Co%ana . It consists with
consumerAs attitude regarding the organisation.
&he seventh chapter is “5indings$'uggestion and 2onclusion”.
'uggestion is very important and it is the ending phase of the pro%ect
report. 'uggestion has been given to the organisation and it is on the
basis of the 'urvey.
Profi%e of Sree *$etra D$arma!ta%a Rura%
Dee%opment Project
o Hi!tor" of S*DRDP
o 'ocation
o Scope of project! or coerin& area
o Objectie!
o -e%iee!
o #i!!ion!
o A.ard!
Hi!tor" of Sree *$etra D$arma!ta%a
)harmasthala is a famous -indu religious shrine
of 'outh India with about 8:: years of
-istory. &he presiding deity of )harmasthala is
4ord =an%unatha 'wamy reincarnation of 4ord
'hiva. &he temple is managed by the -eggades
who is considered to be the speaking =an%unatha.
&he -eggade position a hereditary one$ is being passed on from
generation to generation. &he present -eggade$ )r. ). ,eerendra
-eggade is the 21st in the lineage.
)harmasthala is known for religious harmony yet with a lot of
"hakthi and religious fervor. 3lthough the deity is 'hiva$ the +riests are
,aishnavaites. &he trustee of the temple belongs to 1ain community.
=any festivals in )harmasthala attract tourists and faithfuls$ from all
over the country. )harmasthala is also home for 2handranatha 'wamy
"asadi a place of worship for 1ains.
&he festivals of )harmasthala have a tinge of religion$ bhakthi$
social value$ cultural ethos$ rituals. 3nnadana and 3bhayadhana are two
of the ma%or functions ordained to be performed by the -eggades as the
trustee of the temple.
)r. -eggade feels that even charity should be put to good use and
must yield results. -e has therefore setup several institutions to promote
the philosophy of directed charity. &he visionary in )r. ). ,eerendra
-eggade has conceived several pro%ects to touch the finer aspects of
human environ. &o realise these visions he has promoted many
Institutions in the field of Education$ -ealth$ +romotion of Indian
=edicine$ @aturopathy$ Coga$ 4ife Education$ improving the living
'.(.).*.).+. is )r .).,eerendra -eggadeAs rare dream. &his plan
has completed 26 yrs successfully. &he plan was started since 1?92 in
the memory of the inauguration of 'hri "hagwan "ahubaliAs statue
which 3? feet height which was single stoned statue. 'ince from 1?92
the plan provides information$ encouragement and act as a model for
rural people to change the life style of rural people . &he community
programmes of the organisation are pictureFied through out (arnataka.
It declares war against eradication of poverty$ Ignorance$ illiteracy$
drugs in especially in the districts of 'outh 2anara$ @orth 2anara and
Gdupi. *ural unity is the main motto of the organisation irrespective of
caste and religion$ poor and rich. 'everal programmes function for
women empowerment who were economically backward.
'ince from 2 decades$ several programmes were launched to
utilise rural available resources effectively as to eradicate rural problems
It declares several programmes in the eve of 'ilver 1ubilee of rural
development plans
'()*)+ has started at )harmasthala$ "elthangadi taluk in
)akshina (annada )istrict.$
location of head office
)harmashri "uilding
)aarmasthala-68.217$ "elthangadi taluk
)akshina (annada )istrict$ (arnataka state
AREA O) OPERATION O) S*DRDP =in b%ac; %ine>
'()*)+ operating over 9 districts in (arnataka state.
Aim! and objectie!?
 Effective utilisation of natural and human resources.
 &o work towards the enlistment of rural poor.
 Dverall development of rural economy by proper utilisation of
available local resources.
 Empowerment of those who fail to get facilities from the
 Encouragement for rural employment opportunity through
agriculture and non-agricultural activities.
 3dopt discipline$ moral values$ unity in developmental activities.
 Encourage group partnership in rural and community
 'etup several schemes and programmes for permanent
development of agriculture.
Objectie! of .omen empo.erment
• DrganiFe women from the poorer sections$ backward classes$
minority community$ '2H'& community$ landless laborers$ beedi
rollers$ working class women etc.
• +romote women empowerment$ social mobiliFation process.
• 2reate awareness in women and family.
• )evelop the habit of savings and thrift.
• Educate women about family planning$ sanitation$ health$
education$ culture$ epics
• )evelop self-confidence$ self reliance and physical appearance.
• &he small farmers marginal farmers need to be organiFed to
empower them with knowledge and tools for developing their
family and their lands.
• &he resources need to be generated within the village and need to
be shared within the village for development.
• 5or a community to prosper$ the rich and the poor within the
community need to live in harmony and to realiFe that to be rich
is an opportunity to serve and to be poor is not a curse but an
opportunity to prosper.
• )evelopment process can only be successful if it is participatory.
• )evelopmental process will result in a change only if it is
sustainable socially and economically.
• 3lcoholic abuse is a bane for progress. +rogress without morality
will never be real.
• &he progress can only be achieved through participation and
sacrifice and not by struggles and street fights
• 'ocial empowerment of women will lead to sustainable progress
and that social women empowerment shall precede economic
• Everybody is trustworthy and therefore needs to be trusted. &hat
micro credit based more on trust is the foundation for progress.
• 3 mature free dynamic and vibrant federation of self help groups
is the proof of a successful developmental process
• &he progress knows no barrier I caste$ creed$ community I it is
the right of all human beings who desire to progress.
• &o adopt small$ marginal and micro land holders as stakeholders
and organiFe them in the informal sector to promote sustainable
farming practices. In the process the '()*)+ is committed to
economically empower the stakeholders to become self-reliant.
• &o create a conducive environment in the village to enable
different sections of the community to live in harmony. &o create
rural infrastructure through peoples participation to improve the
living habitat.
• &o motivate the individual family to plan for self development and
assist them in realiFing their plans. &o dare the poor to envision a
dream and to work together with them to make it possible. &o
work with the unreached$ the poor$ the backward$ the minorities$
the weaker section and above all the women to empower them
socially and economically.
• &o promote entrepreneurial skills among the rural poor and escort
them to implement the skills.
• &o achieve progress in an environment of tolerance. &o promote
and use spiritualism as a tool for progress. &o spread the message
in the community that to prosper does not mean earning more
rupees but to use them more %udiciously. &o spread the message in
the community that morality is not a liability but a virtue.
• &o work in tandem with all such organiFations who dream of
vibrant rural India$ where in the rich and the poor have their needs
met$ where the natural resources are put to optimum
A.ard! and Reco&nition!?
'hri (shethra )harmasthala *ural )evelopment +ro%ect has been
recogniFed at the @ational level for its multi faceted activities
'.(.).*.).+. wins twin international awards.
&wo successful financial initiatives of 'hri (shethra *ural
)evelopment +ro%ectJ*.K namely “ T$e Pra&at$iband$u- small farmers
come together to share and learn” and “Sampoorna Sura;!$a Ia social
security for all occasions” have won prestigious @C$an&e ma;er!
A.ard: promoted %ointly by the G' based 3shoka 5oundation and 2ity
bank in the competition “ banking on social change I seeking financial
solutions for all”.
• 5I22 J 5ederation of Indian 2hambers of 2ommerce and
IndustryK 3ward-1??6
• I=2 JIndian =erchants 2hamberK 3ward-1??9
• 'pandana 3ward for 1ana 1agruthi +rogramme-2:::
• +admabhushana 3ward to )r.).,eerendra -eggade-2:::
• @3"3*) 3ward-1???-2::: L 2:::-2::1
C$apter - /
 Or&ani!ation
 -oard of Tru!tee!
 Or&ani!ation C$art
 Partner!
'()*)+ J*.K is registered under 2haritable &rust 3ct of 1?2: in
the office of 'ub-*egistrar$ ;overnment of (arnataka$ "elthangady
&aluk$ )akshina (annada )istrict in the year 1??1.
'hri (shethra )harmasthala *ural )evelopment +ro%ect popularly
known as '()*)+ is a registered charitable trust promoted by )r. ).
,eerendra -eggade the sole trustee of 'hri )harmasthala temple.
T$e S*DRDP i! mana&ed b" -oard of Tru!tee! con!i!tin& of 6
member!< At pre!ent t$e are t$e -oard of Tru!tee!<
• )r. ). ,eerendra -eggade$ )harmadhikari$ )harmasthala J)D" > 2:-
11-1?.9K > -ead of the famous =an%unatha swamy temple$ a -indu
religious shrine of 'outh India. -e is a visionary and has conceived
many programes in the field of entrepreneurship$ education$ health$
yoga$ Indian system of medicine and temple administration.
• 'mt. -emavathi ,. -eggade$ /Ho )r. ). ,eerendra -eggade$
)harmasthala > 3 social activist e#perienced in women empowerment
and youth development. 'he has founded @ethravathi craft center$
young womens club of )harmasthala. 'he conceived the 1nanavikasa
programme which is today one of the flagship programme of
'()*)+ to empower rural women.
• 'hri ). 'urendra (umar$ @o. 66$ ,ittal =alya *oad$ "angalore > 3n
advocate by education$ a industrialist in profession$ 'hri 'urendra
(umar has donned many a roles including that of the @ational ,ice
+resident$ 1ain =ilan. -e is on the board of )irectors of (arnataka
• 'hri (. =. Gdupa$ =andarthi ,illage$ Gdupi )istrict > 3 former
e#ecutive heading the rural credit section of 'yndicate "ank$ =r.
Gdupa is a graduate in agriculture. -e is at present the 2hief
E#ecutive of "harathiya ,ikas &rust an @;D engaged in alternative
energy programmes.
• 'hri *. ,. 'hashri$ 1ayanagar$ ?th "lock$ "angalore > 5ormer
2hairman and =anaging )irector of 2anara bank$ =r. 'hasthri is still
active in industrical circles and sits on the board of many a
• 'hri ". ". 'hanbhogue$ 2hartered 3ccountant$ =an%ushri$ (odialbail$
=angalore - 3 > 3 2hartered 3ccountant by profession$ =r.
'hanbhogue runs his own concern at =angalore.
• 'hri Gday (umar 'hetty$ 3dvocate$ &rade 2entre$ 3rd 5loor$ "unts
-ostel *oad$ =angalore - 3 > 3n advocate by profession$ =r. Gday
(umar practices law at =angalore.
-oard of Tru!tee!
Dr< D< +eerendra He&&ade

Smt< Hemaat$i +<
He&&ade +resident
1nana ,ikasa /omen
S$ri D< Surendra
S$ri *< #< Udupa
S$ri R< +< S$a!$ri
S$ri -< -<
S$ri Uda" *umar
Or&ani!ation C$art

Tie-up Partner!
'ri )harmasthala &emple

@ational "ank for 3gricultural L
*ural )evelopment J@3"3*)K.

'mall Industries )evelopment
"ank of India J'I)"IK

'tate "ank of India J'"IK

,i%aya "ank

I@; ,ysya "ank

2entral 5ood and &echnological
*esearch Institute J25&*IK

Infosys 5oundation

2onsultative ;roup to 3ssist the
+oorest J2;3+K.
=inistry of 3griculture$
;overnment of India

;overnment of (arnataka

I2I2I 4ombard +vt 4td

2orporation "ank

2anara "ank

'yndicate "ank

=inistry of *ural )evelopment$
;overnment of India

'mall Industries service Institute

Gniversity of 3gricultural
 )unction!
 Dee%opmenta% actiitie!
Its main function is concerned with the rural development. 3mong
which agriculture$ health$
education$ sanitation$ rural
employment$ rural savings$
environmental protection$ public
awareness regarding social evils $
small scale industries are
important oneAs. It provides all the necessary infrastructure like as
shelter $ drinking water facilities$ rural health and rural road and so on.
PRA0ATHI -ANDU- Se%f $e%p &roup
I@n this model$ five to eight small and
marginal farmers come together to form
a group and undertake labour sharing
once in a week..&hey also make small
savings per week and take up financial
transaction. &hey draw a five-year plan defining the financial investment
to be made for development over the years. &his helps them to set up
goals and try to achieve them.
3nother feature of the pragathi bandhu '-; is the mi#ed cropping
practiced by the members of the group. &his helps them to get steady
income on a daily basis$ which helps them to meet their weekly loan
repayment obligation. &he members borrow money for their farming
activities to be repaid over weeks from their multiple framing produces
and farm labour work done by these farmers in the neighbourhood large
0"ana +i;a!a Center!?
&hese centres work for the economic
and social empowerment of rural
women who are illiterates and landless
labourers . &he organisation provides
information regarding rural health of
the women $ family welfare
programme$ sanitation$ children education$ cleanliness of the
environment$ better life for those who are socially and economically
poor for about 2 hours a week. It creates self confidence among the rural
women who do not know about social awareness . &he members of this
center are given information about the alternative %obs available .
&he center provides training and information about floriculture$ dairy
farming and agriculture activities to increase income of the family.
,nanai;a!a .omen SH0!? '()*)+ promotes women '-;s
involving landless women in the villages. Gnder this category we can

,nana i;a!a SH0!
0roup enterpri!e! SH0!
Simp%e SH0!<
,nanai;a!a SH0S?- Gnder this$ members of 1: to 16 '-;s %oins in a
centre every week and conduct programmes which improves their
knowledge like awareness programmes and workshops on health and
hygiene$ education$ child care$ family matters$ home maintenance$
nutrition food preparation$ etc. In addition to this they participate in skits$
dramas$ singing$ group discussion on the occasion of certain cultural
programmes. &he idea behind this is to engage the village women in
certain activities which keeps away them from own time house affairs.
&he members of 1nanavikasa '-;' avail credit facility for general
purposes like gold purchase$ marriages$ repayment of old loans$ etc.
0roup enterpri!e! SH0!?- &he members of 3 to . groups engage in
production of certain items like phenoil$ soap$ detergent power$ washing
powder$ pickles$ suashes$ condiments$ te#tiles$ etc. &hey are provided
with backward and forward linkages by 'hri )harmasthala 'iri
;ramodyoga 'amsthe. '()*)+ provides the credit needed to such
Simp%e SH0!?- &he members meet once in a week$ do internal lending
business avail loans for general consumption$ infrastructure development$
housing$ etc. &hese '-;s are promoted for the individual development
of the members. &hat is the members engaged in coolly work$ from
groups and get loans for housing$ agriculture$ diary$ small scale poultry
farming and other purposes.
It creates federal activities among the self-help groups of a rural
area. *ural self-help groups are stepping stone to set-up the &aluk level
self-help groups as a federal structure. &he &aluk self-help groups look
after the activities of rural self-help groups and to fulfil the basic
necessaries of rural economy through self-help groups in a proper manner
and also fulfil the basic necessities of the members of the groups to
uplift the economic status.
5ederation played an important role in the activities of providing
loans and advances$ repayment and transaction etc. &he sub committee
of the federation recommended to the organisation about needs
Jloans and advancesK of local self-help groups and also it helps
repayment of debt services of the local self-help groups.
Sma%% Economic P%an!?
Gnder this plan organisation provides financial help for the
members who are economically poor. /hich provides income to fulfil
basic needs like education$ shelter$ sanitation$ gobar plants. &he savings
of the members of the organisation can be utilised to pay the small
loans and advances for the members. &he organisation utilise the
developmental fund to provide huge amount of loans and advances.
&he special features of the plan is to provide training for the
members regarding proper utilisation of loan amount $ easy available
of loans$ easy repayment schedule and long term. &he members of the
organisation repay the loan in every week.
#icro )inance<
Sanction ?
• Dnly 3 and " rated groups could avail loans under the modified
+ragathi @idhi programme .
• &he groups having repayment capacity are able to get adeuate
• 3pproval of sub committee of federation$ which is constituted for
the purpose is necessary.
• 'evaniraths$ supervisors recommend the loan. =embers desiring to
get loan above *s. 6:$:::- need to submit security pledge letter.
• &he members could avail loan from the group at the discretion of
the group.
Tenure ?
• 5or 3griculture and infrastructure up to 6 years.
• *evolving fund for 3 years.
• +roductive fund for . years.
• 2onstruction for new houses for 1: years.
&he member make repayment on weekly basis and groups repay to
'()*)+ on monthly basis.
Rate of intere!t ?
• 5rom banks to '()*)+ cost of funds as on 3:-.-2::7 M 8.91N.
• 5rom '()*)+ to the groups at 11N daily reducing balance for
tenure upto 3 years.
• 5rom '()*)+ to the groups at 11.26N daily reducing balance for
tenure beyond 3 years.
• 5rom groups to members at ?N annual reducing balance for
tenures upto 167 weeks.
• 5rom groups to members at 12N annual reducing balance for
tenures beyond 167weeks.
Serice C$ar&e ?
1N service charge is collected on all loans disbursed.
Repa"ment !c$edu%e ?
• '()*)+ pays to the bank at monthly H uarterly rests.
• ;roups pays to '()*)+ at monthly rests.
• =embers pays to '()*)+ at weekly rests.
• 3ll payments are on euated installments including principal and interest.
#oement of fund!
C$art !$o.! t$e mone" turnoer of S<*<D<R<D<P<
SA#POORNA SURA*SHA A In!urance p%an?
&he organisation fulfil the medical e#penditure of members upto
rs. 26:: with a premium of *s.8.: per year those who are having 6
members in a family . 4ife insurance for working people$ partial
payment for natural disorders or natural calamities . 3 small

'elf help
premium for small family and huge premium for large family . It
insured amount is more than *s. 26$::: organisation utilise
development fund $
3griculture is the backbone of the rural people. =ore than 7: N of
the rural population
are engaged in
agricultural activities .
&herefore this
organisation is
concentrating on the
development of
agriculture . &his organisation framed so many programmes to get fruitful
result for those who are having less than one hectare of land.
&he organisation prepares a plan for a period of 6 years after discussing
the members of the groups$ regarding fencing$ digging of wells$ rain
water storage$ and necessary technical advice and so on can be
implemented day by day. &hese activities can be registered in a register
which helps to generalise the plan. 3ccording to this plan $ it
encourage long term and commercial crops like rubber$ cashew$ areca
nut $ vanilla etc and also plan to encourage for the crops like vegetables$
ginger$ turmeric in hill stations.
-ETTER 9UA'IT5 O) SEEDS ?=$"brid !eed!>
&he organisation encourage the development of horticulture
in turn produce better seeds. &his organisation works as a middleman to
supply the facilities provided by the government to farmers especially in
the field of development of horticulture.
Dne of the earliest plans prepared by the pragathi bandhu is to dig
open well and acuire water pumping systems and supply system.
@ormally the wells are dug by the group members. +ragathinidhi loans
are availed to acuire the irrigation euipments. &o meet the water
reuirements irrigation facilities are taken up by the stakeholders which
includes the pump sets$ sprinklers and aid to dig wells as this is the only
water source in many places. 2rops such as arecanut$ coconut$ banana
and vegetables are cultivated in irrigated areas through organic methods.
9ua%it" Seed!
'.(.).*.).+ promotes farmers nurseries and has developed its
own nursery to provide uality seed material to take up various
plantations. '()*)+ coordinates with various seed manufactures to
promote supply of uality seeds and take up new crops besides
coordinating with various line departments like horticulture$ agriculture$
forest etc. in euitable distribution of seed and other facilities to the
deserving farmers.
)arm P%annin&
&he stakeholder prepare a five year farm planH family plan after
discussing the reuirement within the group. 3 plan devised to develop
the small agricultural plot into a high yielding commercial garden is
taken up. 5encing$ digging open wells$ water conservation techniues$
planning plantation crops$ short duration crops$ creation of family assets
which include house$ toilet$ electrification etc. are planned for a period of
time. 3 separate record is maintained in each family to implement and
review the plan. =ore than 5our 4akh families have prepared their plans
and have implemented them successfully.
2ultivation is taken up in accordance with the plan. 3 combination
of long term commercial crops with the short term crops is practiced to
ensure economic stability. 2ommercial crops such as rubber$ cashew$
arecanut and vanilla are encouraged with the pro%ect providing the
beneficiaries with the saplings at subsidiFed charges along with the
improved variety of high yielding seedsHsaplings. 2rops such as ginger$
turmeric$ vegetables and other crops are encouraged in the hilly areas.
5ruit and 5lower crops are also encouraged.
&he organisation concentrating the barren land by provided
water and soil conservation and suggest those crops which are beneficial
to the farmers in that particular area.
&he important programme of the organisation is transfer of
technology to the members by provided training$ visit to research centres
and through film media. &he small portion of the e#penditure is bared
by central government agricultural department.
&he organisation set up agricultural mela or fair in a selected
villages for 3 days annually regarding cultivation system$ dairying and
other agricultural activities.
&he fair consists of farmers$ agricultural scientists$ ;overnment
officials$ producers of agricultural seeds and fertiliFers. It is most
benefited to both by e#changing their ideas.
&he (arnataka government water development 'chemes are
programming through this organisation . 2onstruction of check
dams $ vented dam $ social forestry $ construction of bunds and other
activities . It is already working at "elthangadi$ and now it is e#tended
to =angalore by applying local technology successfully.
In the beginning of the plan$ because of the poverty of the
members they were unable to get power facility . Even after their
empowerment due to lack of facilities they could not get power
supply . "ecause of this reason they had to go for a alternative source
of electricity. 3t this time alternative renewable sources like gobar
gas and solar energy came into e#istence. &hese two resources not only
provide energy but also protect the environment. @ow these villages are
independent by using natural renewable sources of energy. &his is the
only programme which facilitate solar energy to a large e#tent in a small
geographical area.
Gnder this plan$ one more programme has been established in
"han%aru =alay village of "helthangadi taluk at a capacity of 1:
kilowatts of small power unit which is to be mentioned.
@early 6:N of the investment for a pro%ect of 13 lakhs was given
more than for 32 '2H'& families$ which gives them a big share in the
5or the protection of forest and environment organisation has
actively involved villagers and students to take part in the
programme. +rogrammes regarding environmental information $ school
forestry $ construction of developmental forests $ social forests $
medicinal trees and many more programmes have been implemented.
"y slide shows$ movies$ issuing pamphlets awareness is being created
among the people.
/ater$ soil and forest conservation$ water shed management and
information about many more topics is provided.
+ANA +I*ASA =)ore!t dee%opment>?
/ith the help of government and non Igovernment
organisation the following programmes are taken over by
'.(.).*.).+. 3dichunchanagiri =attaAs +oo%ya 'hri "alagangadhara
'wami%i has helped for the success of this programme.
;overnment of India has selected '.(.).*.).+. to adopt '.1.'.C.
programme in )akshina (annada district with the assistance of Oilla
+anchayath of )akshina (annada.
'.(.).*.).+. started this programme in 2::3. &he main motto of
the programme is the upliftment of the people living below poverty
line J nearly 3:N of total rural population of )akshina (annada distK.
&he organisation has identified 1276 groups consisting of 11$176
members . Income generating $ service generating $ productive
agricultural activities are provided to these families . @ecessary
facilities and technology are being provided by this organisation.
'.(.).*.).+. has started programmes for the social empowerment
of backward rural population . 3mong that$ important oneAs are
construction of the houses $ health programmes and drug oppose
Gnder this programme they provide *s.1 lakh loan for selected
families which is to be repaid within 62: weeks. 3lso advanced
technology is being adopted for the construction of these homes.
'()*)+ since its inception has worked on creating awareness
among the rural people about importance of sanitation units at home.
4oans are provided to the members for constructing toilets. 5or the very
poor a small subsidy is also given.
SURA*SHA- E8ten!ie $ea%t$ pro&ramme?
&his programme was launched with the interest of overall
development of the society by keeping in view of the factors like
health and cleanliness . 'G*3('-3 promotes the health of the
family for this purpose setting up of health centres and
sanitation programmes by constructing sanitary are being done .
5ree medical treatment and medicines are being supplied through
mobile hospitals. &his organisation takes help from the health
department if necessary and also takes part with public health
,ANA ,A0RUTHI- ,anand$o%ana pro&ramme?
&his programme is functioning for the first in India against drug
addicts like as alcohol$ which is a social movement. &his programme
declares war against alcohol drunkards. '.(.).*.).+. has set up
number of information centres providing the information about
disadvantages of alcohol consumption . It is one of the ma%or ob%ective
of 1ana 1agruthi. )octors$ e#perts and local leaders take part in these
camps regarding public awareness.
&he number of drug addicts have come out from the drug
addiction and have become good civilians in the main stream of
the society .
NA+A ,EE+ANA committee looks after those who have come out of
drug addiction. Every year on =ahatmaAs birthday i.e. 2
Dctober $
this programme is being celebrated by honouring those people who
come out of drug addiction.
&he programme encourages in productive activities which yields
income to the family by providing technical and financial assistance . It
encourages group activities along with agriculture and non I agricultural
activities like as renting of agricultural implements$ pendals$
providing furnitureAs for hire $ petty business $ animal husbandry and
lease basis of agricultural lands are the important oneAs.
SIRI- 0roup enterpri!e!
&he '()*)+ has promoting economic empowerment among the poor
landless families by introducing various income generation activities both
in production and service sector. 'elf help groups are motivated$ trained
and assisted in setting up various group ventures.
&hese groups are given professional assistance in acuiring the skills$
finance$ raw materials procurement$ production and marketing of the
3 brand name P'I*IP has been created to market the products produced
by the groups include$ fast moving chemical products like detergent cake$
detergent powder$ phenyls$ washing liuids$ scouring powder$ candles$
incense sticks etc.$ confectioneries sweets and condiments$ packed foods$
pickles$ ready made garments$ etc.$ are being manufactured and sold
under the brand name P'I*IP.
Sujnana Nid$i !c$o%ar!$ip !c$eme
&o create awareness among the '-; members about the possibilities in
the technical education and to motivate them to send their children to
technical institutions for education$ '()*)+ has initiated a 'cholarship
'cheme. Gnder this scheme a scholarship of *s.1:::H- per month to 1::
students every year will be given for students getting admissions to
technical courses like "E$ =""'$ "3='$ ")' etc. &he scholarship is
available till the end of the said course.
'imilarly a scholarship of *s. .::H- per month to ?:: students every year
will be given to the students getting admission to technical courses like
&2-$ )+Ed$ "Ed$ @ursing$ I&I$ )iploma courses etc.
&hus a total of 1::: students will get the 'u%nananidhi benefit every year.
&he value of the scholarship in the first year is *s.66.:: lakhs.
&he '()*)+ initiative has been costing the temple to the tune of *s. 6:
to 7: million every year. &he pro%ect has received a lot of goodwill and
financial support from banks$ philanthrophic organiFations and
individuals$ ;overnment departments$ etc. to perform its role in
community development.
&he '()*)+ has a well oiled team of animators$ guided suitably by a
team of e#perienced rural development functionaries and e#perts.
&he pro%ect has on its rolls$ nearly 2$::: dedicated workers. &he pro%ect
is monitored very closely by an e#ecutive committee and the "oard of
trustees headed by )r. ). ,eerendra -eggade and represented by 'hri
).'urendra (umar$ =r.*.,.'hastry former 2=) of 2anara "ank$
progressive thinker and banker 'hri (.=.Gdupa$ =r.'hanbhogue$
2hartered 3ccountant and members of the )r.-eggade0s family.
=rs.-emavathi -eggade$ wife of )r.).,eerendra -eggade has taken
keen interest in implementing various programmes of '()*)+. "esides
being a trustee she has personally conceived schemes for women
empowerment and take active part in implementing them. '()*)+ has
also been guided in its efforts from time to time by 'hri ).-arshendra
(umar$ 'ecretary$ 'hri )harmasthala =an%unatheshwara Educational
C$apter 3
 Se%f $e%p &roup!
 Pra&at$inid$i pro&ramme
 )orm dee%opment actiitie!
 Communit" dee%opment actiitie!
 Trainin&
+romoted by a spiritual centers '()*)+ has always been very
sensitive in doing any thing that perceived to be profit making even
though it concerned the welfare of the poor. It was therefore a very
reluctant step towards microfinance and was driven more by the need of
the community rather than profit taking over the last three years
'()*)+ has shown the great performance in 'hikaripur. In the process
the organiFation recogniFed the increasing financial needs of the
community for survival and achive the desired transformation.
)ue to lack of time and non-availability of data this study is
concentrating only on the 2 years performances of the '()*)+ in
&he work of the 'evaniratha the field officer of '()*)+
2ommence with the promotion of '-;s &he informal groups who
socially economically empowered themselves.
&he 'evaniratha promote two distinct kinds of '-;s namely.
1. +ragathi "andhu ;roups
2. 1hanavikasa /omen '-;s
Tab%e no 1
Performance of Pra&at$i band$u7 and ,nanai;a!a SH0!
A! on /1BC/B(C1C
S%Bno Particu%ar! P-0 ,+S TOTA'
1 2 3 . 6
1 ;roups to be start 826 23?8 3122
2 5amilies involved .6?3 2?8.8 3.3.:
3 ;roups to be dissolve .. 13? 193
. 5amilies to be dissolve 223 1.18 17.:
6 ;roups in working 791 2269 2?3?
7 families involved .38: 2933: 328::
8 'avings J*s. in lacksK 37.: 217.?? 263.:

'()*)+ has e#clusive field staff to audit the performance of the
groups based on certain parameters like maintenance of proper group
records$ regularity of meetings$ attendance loan repayment purpose and
use of loan growth achieved by the members$ activities under taken by
the members$ benefits availed from the pro%ect$ co-ordination bHw
members$ utiliFation of funds available . &o sum up$ a well managed
group gets$ “3” grade slight variations some of the parameters gets “":
grade$ variations in some of the parameters which would be rectified
gets 2 grade and long pending variations in the parameters gets Q)A
grade. &he inspecting officer helps the group bys guiding and inspiring
them to maintain good grades.
Tab%e no (
Performance! of &roup! on t$e ba!i! of &radin&
0roup! 0roup!
A - C D Tota%
1 +ragathi
791 667 1:6 9 12 791
2 1nanavikas
2113 2::? 99 7 1: 2113
Tota% (6D2 (343 1D/ 12 (( (62D
'ourceB 5inal *eport 2::?.1:
3s per above table shown out of 791 pragathi "andhu ;roups 667
has got Q3A grade$ 1:6 groups got Q"A ;rade$ 9 groups got QcA grade and
12 groups has got Q)A grades.
Dut of 2113 1ananavikasa '-;s groups 2::? groups has got Q3A
grade$ 99 grouyps Q"A ;rade$ 7 groups got Q2A grade and 1: groups has
got Q)A grade. It shows the good programme implementation level of
'()*)+ in 'hikaripur.
3 federation of '-;s Bis constitutd at the village level covering an
average of thirty '-;s.&he '-; leaders become office bearers of the
federation. &he federation plays a vital role in the =icro finance
programmed of '()*)+. 3 sub committee of the federation is created to
monitor the loan sanction and its repayment in its area. &he federation
meets once in a month and makes an assessment of the '-;s on the basis
of their performance during the month.
In 'hikaripur branch totally 111 federations are constituted$ and
111 sub committee of the federations are created to monitor the loan
sanction and rites repayment it the area.
&he micro finance programme of '()*)+ popularly know as
+ragathinidhi program has been designed to provide hassle free uick and
easy finance to the stakeholders.
'()*)+ disbursing the loan for the purpose to 5arming irrigation$
housing and sanitation$ livelihood and other activities.
Tab%e no C/
Performance in Pra&at$inid$i di!bur!ement
R!< In %ac;!
P-0 ,+S TOTA'
2 @o of groups get 732 2127 2869
3 @o of pragathinidhi loan 3923 326:3 37327
. 3mt of loan disburse 118.. 173..: 1861..
6 3mt of loan repayment 183.? 111:.? 129..9
7 3mt of loan due 23:.9 1632.1 1872.98
3s on 31H3H2:1:$ totally 732 pragathibandhu groups have took 3923
loans amounted *s. 118.:::: $ *s.183?:::: already repaid and *s$
23:9:::: amount are due during the year.
2127 %nanavikasa '-;s have took 326:3 loans amounted to
*s$.173.:::::.:: for many purpose. *s$ 111:?:::: amount repaid in
this year and due amount to during this year *s$ 129.9::::.::.
&otally 1816.. lacks amount loan disbursed during the year 2::?-1: and
129..9 lacks amount repaid and *s 1872.98 lacks are due.
Tab%e no C2
T$e amount of %oan aai%ed b" t$e member! of t$e &roup
Purpo!e (CCE-CD
Decrea!e F
increa!e in
In (CCD-
1C in G
1 Infrastructure
6$2.$33$92? 7$9.$2.$926 1$6?$?:$??7 3:.6: 12$?6$77$..2
2 +roductive loan 13$.6$21$367 8$9?$73$?6. J-K6$66$68$.:2 J-K.1.3: 19$78$?.$63:
3 4ivelihood and
other activities
1$?6$::$::: 2$88$63$:26 92$:3$:26 .1.?6 .9$8??$2??
Tota% (C7437C471E3 167317217EC2 =->/71/74/7/E1 =->1371E /473174C7(61
'ource> 5inal report of 2::9-:? L 2::?-1:
3 above table$ during the year 2::?-1: '()*)+ 'hikaripur disburse the
loan for Infrastructure purpose has increased by *s. 16??:??7.:: which
work out to a 3:.6:N increase when compared to the loan disbursed
during the 2::9-:?
&he livelihood and other activity purpose loan also increased
during the year 2::?-1: by *s. 92:3:26.:: i.e.$ .1.?6N when compared
to last year performance.
"ut eh productive loan during the year 2::?-1: decreased by
.1.3:N i.e.$ *s. 66668.:2.:: when compared to year 2::9-:?
)arm Dee%opment and 'ie%i$ood Promotion!?
&he fundamental ob%ectives of '()*)+ is promotion of incentive
mi#ed farming in the area using effective technology to increase income
level based on the plans the farmers undertake the field activities with
due support from the sevanirathas agricultural and dairy coordinators of
'()*)+ and professional from the various line departments
Tab%e no C3
Performance in form dee%opment pro&ram! No< of fami%ie!
Performance in form actiit"
Particu%ar! (CCE-CD (CCD-1C
Tota% a! on
5encing 69. 136 81?
4and levelling 3:8 261 669
2oconut forming 181 132 3:3
3recanut forming 636 322 968
2ashew . 3. 39
+addy 1:36 68? 171.
'ugar cane 39 .6 93
;rams 99. 637 1.2:
2otton 21: 113 323
2orn .:.8 1767 68:3
Dnion 17: 172 322
Dil seed 821 697 13:8
2ardamom 3?3 2?: 793
,egetable 1:93 1291 237.
"anana 797 666 12.1
5ruticulture 2.1 771 ?:2
1asmine and other 319 .?1 9:?
"ee keeping : 2 2
"eetle .. 3. 89
+epper 13. 28 171
'hripaddathi system .6 128 182
5loriculture 216 .?1 8:7
Tota% 11E33 E31C (C/43
&otally 27 program has been conducting by '()*)+ under farm
development programmers.
)uring the year 2::9-:? totally 11966 families or members had
benefited and in 2::?-1: it increased to 8738 families.
3s on 31H3H2:1:$ totally 2:376 families are benefited by farm
development programs.
)uring the year 2::?-1:$ number of beneficiaries increased by
.73.31N i.e.$ 961: families when compared to last year. 5or this purpose
in the year 2::9-:? *s. 6$?8$3:$::: had disbursed and *s. 1$67$:::
grants were provide to beneficiaries and this grants amount increased o
*s. 19$ 21$::: during the year 2::?-1:
5or meeting the infrastructure needs '()*)+ giving loan and
grant facilities to the member. It includes the purposes of constructing
and repairs of house construction of sanitation units and home lighting
5or assist to construction of sanitary units '()*)+ takes the tie up with
;ovt. of (arnataka under “@irmal ;ram Co%ana”
Tab%e no C4
No< of Infra!tructure %oan beneficiarie!7
Purpo!e (CCE-CD (CCD-1C Tota% Increa!e
in No<
in G
1 -ouse
construction L
17? 11.. 1313 ?86 687.7?
2 'anitation units 366 12?9 1899 ?.3 276.73
3 -ome 4ighting
26 2:6 23: 19: 82:
&otal 6.? 27.8 3331 2:?9 392.1.
'ource> 5inal *eports 2::9.?:$ 2::?.1:
3s above table shown to provide infrastructure facility to
stakeholder families in the year 2::9.:? it provided loans and grant to
17? families and during the year 2::?.1: it increased by 68?.7?N i.e.$
11.. families.
Gnder sanitary units construction assistance in the year 2::9.:?
only 366 families are benefited but in the year 2::?.1: it has increased to
12?9 families. It shows 276.73N of increment in the year.
'()*)+ providing the loan facility to its clients for the purpose
of home lighting system. )uring the year 2::?.1: 2:6 families were
taken this benefit.
3s on 31.3.2:1: totally 1313 families are benefited for house
construction and repairs. 1899 families for sanitary units and 23: families
for home lighting units were benefited.
'()*)+ also promoting other off farm activities by providing the
loan facilities as under>
Tab%e no C4
No< of member! benefited
Non farm
(CCE<CD (CCD<1C Tota%
Increa!e in
In No< In G
1 "usiness 169 621 1279 373 22?.8.
2 ,ehicle
39 37: 38. 322 9.8.37
3 'ervice .: 98 2:3 .8 118.6
. 5ood
3 27 27 23 877.77
6 3reca 4eaf
2 1 1 J-K1 J-K6:.::
7 Incense
sticks unit
- 9 9 - -
8 &ailoring - 362 362 - -
9 Industry 72 76 128 3 ..93
&otal 2.1 669 236? 318 131.63
'ource> 5inal *eport> 2::9.:?$ 2::?.1:
5or development in non-form activities '()*)+ had been taking
so many measures and
assistance. In 'hikaripur many
opportunities are there to develop
in the field of non-form activities and to increase the income level of
stakeholders. 5or this '()*)+ giving the loan and grants facilities to
)uring the year 2::?.1: 621 members got loan facility for
business purpose. It has increased by 22?.8.N when compared to last
year beneficiaries.
)uring the year 2::?.1: 37: members for vehicle purchase
purpose .: members for service got the loan facility.
)uring the year 9 new Incense stick unit has opened and 362
members got the loan for tailoring and garment purpose.
&here were 2 areca leaf plate units in the year 2::9.:? but one unit
has dissolved due to some reasons.
2.1 members were benefited in the 2::9.:? and during the
2::?.1: 669 members are benefited. It increased by 131.63N when
compared to 2::9.:?.
3s on 31.3.2:1: totally 236? non-form activities are conducted in
Dne of the basic necessities of farming is the availability of
adeuate water. )uring the initial year of promotion of farmer groups a
small financial contribution is provided by '()*)+ for setting up of
irrigation facilities in the field$ loans are also provided for purchase of
sprinklers$ well$ purchase of pump set and other euipments.
Tab%e no C6
=No< of fami%ie! benefited>
Performance (CCD<1C Tota%
1 "ore well 261 88.
2 /ater tank 27 27
3 +ump 'et 223 87:
. 'prinklers 21. 21.
6 +ipe purchase 73 3.7
Tota% 666 (1(C
'ource> 5inal *eport 2::?-1:
)uring the year 261 families for bore well$ 27 families for water
tank$ 223 families for pump set purchase$ 21. families for sprinkler$ 73
families for pipe purchase purpose get the loan and grants facility.
/ater tank and sprinkler are newly introducing in this year.
3s on 31.3.2:1: totally 88. families for bore well$ 27 families for
water tank$ 223 families for pump set purchase$ 21. families for
sprinkler$ 3.7 families for purchase of pipes purpose are benefited.
5or this Irrigation purpose *s. .?:::.:: grants and *s
919:2.:.:: pragathinidhi are provided.
'()*)+ conducts programmes on rainwater harvesting and water
management activities to create awareness on water related issues and
follow up with the community for practicing the same.
Tab%e no CE
Performance in .ater !$ed pro&ramme No< of -eneficiarie!<
S%< Purpo!e (CCE<CD (CCD<1C Tota% A! on
No< /1</<(C1C
1 "ore well recharge 11 7 18
2 5arm +onds 37 27 72
Tota% 26 /( 6D
'ource> 5inal *eport 2::9-:?$ 2::?-1:
3s above table shown$ during 2::9-:? 11 bore well are recharged
and in 2::?.1: it decreased to 7 the total @o of beneficiaries for bore
well recharge are 18 families.
)uring the year 2::9-:? 37-farm ponds are constructed and in
2::?.1: 27-farm ponds re constructed as on 31.3.2:1: total 72 form
+onds are constructed.
5or this purpose *s. 79:::.:: loan benefits are provided 79

Tab%e no CD
Performance! in dair"in& pro&ramme
No< of fami%" benefited
Purpo!e (CCE<CD (CCD<1C
Tota% a! on
1 2attle purchase 1926 3:31 .967
2 ,ermi 2ompost 68 9. 1:9
3 2ompost 3:2 .77
. ;reen ;rass 112 997 997
6 3nimal -usbandry 37 67 18?
7 2attle shed 3.6 177 83:
8 =ilk dairy :1 22 22
9 'ub sectors 9 28 28
? ;obar ;as 87 16: 317
Tota% (24C 26(2 63D4
&here is good environmental opportunity in 'hikaripur area.
)uring the year 2:::-1:$ 3:31 cattle are purchased and as on 31.3.2:1:
totally .967 cattle are purchased. &here is lack of knowledge about the
scientific dairying among the members. 5or this purpose 1:: of training
programmes are conducted.
3s on 31.3.2:1: &otally 9:9 vermi compost .77 compost units$
317 gobar gas plants are constructed. 997 families are growing the green
grass for cattle. 18? animal husbandry and 83: cattle sheds are
In 'hikaripur total 22 milk
dairies are constituted and 28
sub milk centers for opened to
collect the milk from
5or dairying purpose *s. 2$6.$:::.:: grants and *s.68693:1?.::
pragathindhi are provided during the year 2::?.1: by '()*)+ in
'()*)+ has set up a division to cater to the needs of the
villagesHcommunities in building the basic infrastructure facilities and
basic education reuirements. &he development of the villages is
dependent on the availability of the natural resources and basis
infrastructure in the villages and its optimum use. &he pro%ects
implemented by the community development department are
participatory in nature$ involving the local population and leadership.
&he important pro%ects under community )evelopment pro%ects.
&he 1nandeepa programme provides support to the rural schools
for aduiring better facilities like buildings$ electrifications$ drinking
water etc.$ It also provides teachers supports to schools having shortage
of teachers.
&hus the organiFation is activity as an important service provides
for better education in the villages
Tab%e no 1C
Performance! in ,nanadeepa pro&ramme
=No<of !c$oo% benefited>
+urpose 2::9.:? 2::?.1: &otal upto as on
@o. 3mount @o. 3mount @o. 3mount
1 1nanadeepa
&eachers provide
11 1: 21
2 &eaching 3id 28 ?$.6: - - 28 ?$.6:
3 5urniture 6? ?3:::: .: .87::: ?8 1332.::
. 'porting material - - 3. 1929: 3. 1929:
6 'chool "uilding - - 2 3:::: 2 3::::
7 5encing and
3 26::: 2 2:::: 6 66:::
8 )rinking water - - 2 26::: 2 26:::
&otal 1:: ?7..6: ?: 67?29: 1.8:79:
Gnder 1nanadeepa +rogramme to '()*)+ provides 21
1nanadeepa teachers for 21 schools.
It provides teaching aid to 28 schools amounted to *s. ?.6:.:: *s.
13$32$.::-:: amounted furnitureAs are provided ?8 schools.
)uring the year 2::?.1: *s. 19$29: amounted sports materials to
3. schools *s. 3:$:::.:: amount are providd for school building and
repairing to 2 schools. *s. 26$:::.:: are provide for drinking water
facility to 2 schools.
3s on 31.3.2:1: to *s. 1.$8:$13:.:: benefits are provided under
this %nanadeepa Education programme.
0RA#A *A'5AN 5O,ANA?
Tab%e no 11
-enefit! proide under t$e pro&ramme<
Purpo!e (CCD<1C Tota%
No< Unit No< Amount
1 3gricultural Implements 83 6.$396 .:3 3$78$296
2 2onstruction of milk
2 86$::: 6 1$.:$:::
3 *ural roads and bridges - - - -
. 2ommunity "uilding 2 66$::: . 1$3:$:::
6 *eligious 3ctivities 16 .$16$::: 3. ?$3:$:::
Tota% D( 37DD7/E3 32C 137467(E3
)uring the year 2::?.1: amounted to *s. 6.$396.:: agriculture
implements are distributed to 83 members.
2 milk dairies are constituted for this purpose *s. 86$:::.:: are
2 community buildings are constructed.
3s on 31.3.2:1: in 'hikaripur$ .?3 farmers are benefited by
receiving agriculture implements.
&otally 6 milk dairies or societies$ . community hall building are
3s on 31.3.2:1: for 2ommunity development activities *s.
16$78$296.:: amounted grants are provided
'()*)+ 'tarted implementing a special programme announced
by the +resident of '()*)+ )r. ). ,eerendra -eggade in 1anuary 2::?
to give special assistance for the rural poor to take up livelihood. Improve
agriculture and construct sanitation units.
Tab%e no 1(
0ranted amount under t$e pro&ramme
Purpo!e No<of Unit! Amount
1 'ustainable Integrated
39 1$?:$:::
2 'anitation units 286 .$12$6::
3 'mall scale diary units .8 .$8:$:::
. ;obar ;as ?8 .$96$:::
&otal .68 16$68$6::
'ource> 5inal report 2::?.1:
)uring the year 2::9-1: 286 'anitary units are constructed for this
purpose *s. .$12$6::.:: grants are provided
39 'ustainable integrated 5arming unit are established for this
purpose *s. 1$?:$:::.:: amount grants are provided.
"y providing *s. .$8:$:::.:: grants .8 small scale diary units
were set up.
In 'hikaripur ?8 ;obar gas plant are constructed for this purpose
*s. .$96$:::.:: grants are provided.
3s on 31.3.2:1: totally *s. 16$68$6::.:: grants are distributed
under +resident 'pecial +rogramme.
&o create awareness of an environment and protection of
environment. '()*)+ conducts several programmes on 'pecial
forestry$ water conservation$ drinking water supply etc.$ &he programmes
are basically labour intensive and involve community labour given by the
members one to two days in a year.
Tab%e no 1/
Performance! in enironment protection pro&ramme
No< of Pro&ramme conducted.
Pro&ramme (CCD<1C Tota% a! on
1 3wareness school level 62 1?6
2 3wareness ,illage level 92 11:
3 'chool 5orest 8 8
. 'chool garden 62: 637
Tota% 441 E2E
'ource> *eport 2::?.1:
)uring the year 2::?.1: 62 school level awareness camps$ 92
village level awareness camps are conducted. 8 school forests are
constituted. 62: school gardens are constituted.
3s on 31.3.2:1: totally 1?6 'chool level awareness camps$ 11:
village level awareness camps are conducted. 637 school gardens were
In order to change the mindset of the farmers and prepare them for
planned working and to make them understand the progress in the
technology$ the farmers go through a series of capacity building e#ercises
like training$ installation of demonstration plots$ field$ visits to
universities and model farmers etc.
Tab%e no 12
Trainin& and a.arene!! pro&ramme
@o of programmes conducted
Particu%ar (CCD<1C Tota% a! on
1 3griculture training
179 21.
2 3wareness programme 9? 189
3 )emonstration 123 268
. @on agriculture training
131 .8:
3s on above table during the year 2::?-1:$ 179 agriculture-
training programmes are conducted. 123 )emonstration programmes
awareness programmes are conducted and 131 non-agricultural
programmes conducted to trainup the members$ federation bearers$ about
the maintenance of accounts and for other programmes.
3s on 31.3.2:1: totally 21. 3gricultural training programmes 286
demonstrations$ 189 awareness programmes were conducted and .8: non
agricultural programmes were conducted.
'()*)+ has undertaken the colony improvement activities. &his
programme is conducted with financial support from the organiFation and
programme is conducting for integrals development or the colony.
)uring the year 2::9.1: totally .3 colonies are selected and it
involved 269: families. &otally 231 awareness programmes are
conducted. &hrough this programme the pro%ect give the information
about awareness of sanitation units provides the drinking water facilities
provides the crRche buildings totally it provides overall facilities to
'()*)+ has introduced insurance product to protect the stack
holders against hospitaliFation$ death$ permanent disability$ maternity
e#penses$ calamities etc.$ &he organiFation for this purpose has developed
a comprehensive micro Insurance product termed as “'ampoorna
'uraksha” under this programme the insurance service provides are
contracted to provide hospitaliFation over. &he total hospitals or engaged
as net work hospitals to provide cash free treatment to the +olicy holder
upon pre authoriFation.
Tab%e no 13
Performance of !ampoorna !ura;!$a<
S'Bno Particu%ar! (CCD-1C (C1C-11 Tota%
1 @o of members 2.236 3631. 6?6.?
2 @o families 7629 9922 1636:
3 +remium
collected in *s
3???1:? 681:92: ?8:??2?
'ource> records of '.(.).*.).+.
)uring the year 2::?-1:$ 2.236 members were insured it covered 7629
families and *s. 3397.76 premium were collected.
for the year 2:1:-11$ 3631. members are insured. It involved 9922
families and *s 681:92: premium are collected.
as on 31H3H2:1:$ 1:19 families are benefited amounted to *s. 3???1:?.
3s a corporate agent of 4ife Insurance$ 2orporation of India
'()*)+ is populariFing the Q1eevan =ahuraA 4ife Insurance +olicy. It is
engaged in introducing a polity to the new beneficiaries and ensuring the
renewal of their policies. )uring the year 2::?-1:$ 6669 policies were
sold by '()*)+ 'avanirathas. 2laims are settled eually uickly under
the programme.
T$e !ure" ana%"!i! of beneficiarie! of S*DRDP at S$i;aripur
*elated to this study$ the survey as is conducted to study the role of
'()*)+ is entrusted with the responsibility of rural development in
'hikaripur taluk.
)ue to many constrains the survey was confined 12 villages of the
taluk were selected on random basis from which9: respondents were
selected$ and these all are members of pragathibandhu and '-;s
&he survey is conducted through uestionnaires$ interviews
&his chapter contains two parts. 5irst part discloses the primary or
personal details of the respondent members. 'econd part e#plains the
performance growth and role of '()*)+ in 'hikaripur.
Part 1? -ac;&round of re!pondent member!<
Tab%e no 14
&he following table shows name of ,illages and no of respondents as
village vice
+i%%a&e! No of re!pondent! G
Issur 1: 12.6
"egur 1: 12.6
(almane :9 1:.:
&hogarsi :8 9.86
'aalur :8 9.86
-itla :7 8.:6
3mbligolla :7 8.:6
@elavagilu :7 8.:6
'hikaripur :6 7.26
;ogga :6 7.26
;oddankoppa :6 7.26
:6 7.26
Tota% EC 1CC
'ource> field study
&o make survey analysis the above said villages are selected. &o get the
information we had visit the members of '-;s. &he villages are selected
on the basis of developed and under developed villages.
0rap$ !$ name of +i%%a&e! and no of re!pondent!
a! i%%a&e ice
Issur Begur Kalmane Thogarsi
Saalur Hitla Ambligolla Nelavagilu
Shikaripur Gogga Goddankoppa Agrahara muchudi
Tab%e no 16
T$e tab%e !$o.! A&e criteria of re!pondent!<
A&e No of re!pondent! G
2: to 26 2: 26.:
27 to 3: 12 16.:
31 to 36 18 18.6
37 to .: 29 36.:
.1 to 6: :7 8.:6
&otal 9: 1::
'ource> field survey
In the above table respondentAs age are given. &his table showing
that out of 9: respondents 29 members were aged between 37 to .: i.e.$
36N of total. -ighest part of total members was from 37 to .: aged
group. 'econd highest were from 2: to 26 aged group 2: member were
being in that group i.e.$ 26N of the total. &hese groups have youngest
respondents. &he lowest respondents from .7 to 6: aged group. Dnly
8.6N i.e.$ 7 members were there. Dn the basis of above table we can
analysis youth and middle aged people are taking creative participation in
the '()*)+ '-;s programmes.
0rap$ !$ A&e criteria of re!pondent!<
20 to 2$ 2# to %0 % to %$ %# to &0 & to $0
Tab%e no 16
T$e tab%e !$o.! Se8ua% bac;&round of re!pondent!
Se8 No of re!pondent! G
=ale 22 28.6
5emale 69 82.6
&otal 9: 1::
'ource> field survey
&he above table shows the participation of male and female in
'()*)+ programmes though +"- and 1,' '-;s. 28.6 NJ 22K of male
were participated in +"- groups for labour e#change programmes.
82$6N J69K respondents were female participate in +"- and 1,' '-;s
0rap$ !$ Se8ua% bac;&round of re!pondent!
Tab%e no 1E
T$e tab%e !$o.! t$e Educationa% bac;&round of
Education No of re!pondent! G
Illiterate 17 2:.:
Gp to primary 1. 18.6
Gp to higher primary 19 22.6
Gp to ''42 17 2:.:
+re Gniversity 12 16.:
;raduate :9 3.86
Etc :1 1.26
&otal 9: 1::
'ource> field survey
&he above table shows the educational background of the respondents. In
the total no respondents .:NJ32K were get the primary education.
Illiterate respondents were 2:N J17K of total. &hese respondents were
from '2H'& and =uslim categories. =ost of the respondents were
educated but N of respondents who got the higher education are very less
i.e.$ only 3.86 NJ :3K. Dn the field survey we find out that most of
respondents said their education level for name sake only.
0rap$ !$ t$e Educationa% bac;&round of re!pondent!

Illiterate *p to
*p to higher
*p to SS,- .re
Graduate /tc
Tab%e 1D
T$e tab%e !$o.! t$e Occupationa% bac;&round of
Occupation No of re!pondent! G
3gricultural labor 32 .:
2ultivator 19 22.6
2loth weaving and
12 16.:
"usiness :6 7.26
-ousehold :9 1:.:
Dther :6 7.26
Tota% EC 1CC
&he above table shows the occupational background of the
respondents. In the total Nof the respondents most were agricultural
labors. 2
highest respondents were from cultivators i.e.$ 22NJ19K. 16N
of respondents were involving in cloth weaving$ tailoring $ 7.26N of
members are involving in businessand other work and 1:NJ9K are
T$e &rap$ !$ Occupationa% bac;&round of re!pondent!
-ultivator -loth
0eaving and
Business Household 1ther
Tab%e (C
T$e tab%e !$o.! %ee% Income of re!pondent!
Income per annum No of re!pondent! G
4ess than 9::: 2: 26
9::: to 11::: 3: 38.6
12::: to 16::: 16 19.86
17::: to 2:::: 1: 12.6
2:::: above 6 7.26
Tota% EC 1CC
&he above table shows the income generation rates of the respondents.
&he highest Nof respondents i.e.$ 38.6NJ3:K were between the income of
*s 9::: to 11::: per annum. 2
highest i.e.$ 26NJ2:Krespondents were
generate lees than *s 9::: income per annum. 3
highest i.e.$
19.86NJ16Kwere from *s 12::: to 16::: income per annum. 3nd only
7.26NJ6K respondents were earn the income above *s 2:::: per annum.
0rap$ !$ %ee% Income of re!pondent!
-ultivator -loth 0eaving
and tailoring
Business Household 1ther
Part (
T$i! part !$o.! attitude of re!pondent! to.ard! t$e !erice! &ien
b" t$e project
Tab%e no (1
T$e tab%e !$o.! t$e opinion of member! re&ardin& t$e
!erice! offered b" S<*<D<R<D<P<
Opinion No< of member! Percenta&e
E#cellent 6: 6:
;ood 2: 26
"etter 1: 12.6
'atisfied :9 1:
Gnsatisfied :2 2.6
&otal 9: 1::
&he analysis of the table reveals that ma%ority ieB 6:N agree that
the service provided by '.(.).*.).+. is e#cellent and 26N feel service
is good$ 12.6N says its better$ 1:N feel satisfied only 2.6N of the
members are not satisfied with the services.
Dpinion of members regarding the functions and work of
'.(.).*.).+. facilities are collected. &he opinions are shown through
tables$ bar charts and pie charts $ uestionnaire is also being given
to members to know their action and reaction against '.(.).*.).+$
'hikaripura taluk.
T$e pie c$art !$o.! t$e opinion of t$e member! re&ardin&
 &oday$ a network of institutions$ organisations e#ists in our country to
develop either entrepreneur or rural development . '.(.).*.).+. is
an integral part of this network functioning in the state of
(arnataka especially for rural development.
 '.(.).*.).+. has made a significant contribution to rural area
through the development of entrepreneurship in (arnataka state.
 Either the rural development or entrepreneurship development by
'.(.).*.).+. in 'himoga take the form of providing financial
assistance and conducting training programmes to them . -owever $
it plays a commercial role as well as promotional role.
 3 ma%ority of members were in the age group of 3:-.: years of
age$ married and educated up to graduation level.
 =a%ority of the members under survey were motivated to turn to
entrepreneurship by desire to achieve something in life and need for
independence ieB own internal drives and ambitions.
 &he survey reveals that $ the education background has nothing to
do with entrepreneurship most of the entrepreneurs succeeded
are having education between primary level to matriculation level.
 &he members manage ma%ority of the pro%ects
Independently . -owever $ units in the name of women
entrepreneurs are actually managed by self-help groups.
&he present role of '.(.).*.).+. in 'hikaripur taluk offers a
scope for giving few suggestions$ as it is going to play a still ma%or role
in the development of entrepreneurship in rural areas and the up lift-
meant of poor section of the society living below poverty line$ thus
encouraging rural development in the coming years . 2onsidering this $ a
few suggestions based on survey findings and observations are given
 '.(.).*.).+. is not running for earning profit like 2ommercial
banks as its motto is rural development through entrepreneurship$
the rate of interest on loans should be less than or atleast eual to that
of commercial banks interest.
 *ecovery approach should be modified. Enough time should be
given and stringent action against defaulters should be avoided.
 &he survey reveals that more and more amount of loan should be
sanctioned for the rural development in each area.
 '.(.).*.).+As main aim is rural development$ therefore it should
provide loans to the members to start any kind of business of their
 'urvey reveals that small entrepreneur face problems in generating
income in initial stages. In view of this$ lesser amount may be fi#ed
as instalment for repayment in the initial stages.
 &he trainings should be so designed that the participants should get a
chance to work and also to see the e#isting pro%ects. 'kill formation
should be an important part of the programme.
&he study was undertaken with an ob%ective of evaluating the the
analysis of '.(.).*.).+.with reference to case study on 'hikaripura
taluk. It has been achieved with the study of financial assistance
provided$ promotional and developmental activities H programmes
conducted in 'hikaripura taluk.
&he survey revealed that '.(.).*.).+. has been successful to a
certain e#tent in developing certain rural areas in 'hikaripura taluk . It
has not only provided entrepreneurial opportunities to the people but
also has undertaken many activities for the development of rural areas. It
has provided many effective training and assistance to the people in
developing entrepreneurial skills among them.
3part from all these$ the main thing to be noticed here is$ here is
no sort of cheating either in the minds of people or in the minds of
the staff of the organisation. 3s the name itself suggest '-*I
('-E&-*3 )-3*=3'&-343 the spirituality and devotion of god
makes people to work with faith and belief$ which is the reason for its
rapid growth in all rural areas.
/hether people get any benefit from this organisation or not it is
the discipline which is to be appreciated of this organisation . In the
meetings conducted we can see the women entrepreneurs enriched in
Indian traditions i.e.$ in sarees and they follow our customs and
traditions i.e.$ lighting the lamp before starting any programmes or
meetings. &hus '.(.).*.).+ is not only working towards rural
development but also enriching our countryAs customs and
&he study has been successfully evaluated the performance
of '.(.).*.).+. in rural development. &he suggestions made on
the basis of the findings if implemented in good faith $ would go
on a long way in strengthening the rural areas of (arnataka state in
general and 'hikaripur taluk in particular.
Dear SirB#adam
I am 3rchana =.). 5inal ".".=$ ;ovt.$ 5irst ;rade 2ollege$
'hikaripur. 5or my study purpose I have under taken a pro%ect report
entitled “Dee%opment of S$ri *!$etra D$arma!ta%a Rura%
Dee%opment Project:7 .it$ reference to S$i;aripura”. I reuest your
co-operation in completing this work. +lease fill up the enclosed
&hanking you$
Cours sincerely$
Arc$ana #<D.
1. @ame of the member >
2. 3ddress >
3. 'e#>
=ale S T
5emale S T
.. 3ge>
6. =arital status>
=arried S T
Gnmarried S T
7. Educational <ualification>
@o formal education S T
Gp to 8
'td S T
Gp to ''42H=etric S T
Gp to )iplomaH ;raduate S T
+ost ;raduate S T
8. Dccupation>
3gricultural labours S T
2ultivator S T
-ouse hold S T
"usiness S T
Dthers S T
9. 3re you member of '()*)+ '-;s U
Ces S T
@o S T
?. 3re you member of any other self help groupsU
Ces S T
@o S T
1:. )o you attend any training programmeU
Ces S T
@o S T
11. )oes '()*)+ impact during training period>
Ces S T
@o S T
12. If yes what is the type of training ---------------------------
13. )o you get immediate assistance from '()*)+
Ces S T
@o S T
1.. If @o what is the time taken by '()*)+ to provide
3ssistance> --------------------------
&ime taken for sanctioning the loan>
16 days S T
3: days S T
16. 4evel of income after getting the benefits and training
E#cellent S T
;ood S T
"etter S T
'atisfied S T
Gnsatisfied S T
17.3re you satisfied with the programmes of '()*)+
E#cellent S T
;ood S T
"etter S T
'atisfied S T
Gnsatisfied S T
18.)o have a knowledge about interest criteria -----------------------
Ces S T
@o S T
19.Cour channels of distribution of grants
)irect to consumers S T
Indirect to consumers S T
1?./hat is your opinion about '()*)+>
 =anual of '.(.).*.).+.
+ublished "y> '.(.).*.).+.
 =anual of )evelopmental activities
+ublished "y> '.(.).*.).+
 +ragathi bandhu
'ilver 1ubilee memorial volume
 'outhern Economist
=arch 16$ 2::?
'ilver 1ubilee memorial volume
 'econdary data from the files of '.(.).*.).+.
 'arvamanya
 5undamental of 'tatistics by> '.+ ;upta
 *esearch methodology by> (otlari
 *ural )evelopment by> *., "edi$ @., "edi