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CHAPTER 5

SUMMARY OF FINDINGS, SUGGESTIONS AND CONCLUSION


Introduction :
This chapter presents the summary of findings , suggestions and conclusion. This
study is conducted with main objective of findings out income generating activities on
unorganized retailer. The approach to the study is both descriptive and analytical. The
findings of the study are briefly presented in this part. Purely primary data have been
collected through the interviewschedule . To make it easy to under stand , the necessary
secondary data have also been collected and include wherever it is need.
5.1 Summary of findings
The majority 72%of the respondents are male involved in unorganized retail business.
It is clear from the table that majority of unorganized retail business belong to the age

group of 31 to 60 years.
The majority 39 %of the total respondents studied SSLC/HSC.
The majority55% of the respondents are living in urban area.
The majority of the 82% percent of the respondent for the married.
The majority of the 55 per cent of the respondents nuclear family.
The majority of the unorganized retail business is earning Rs.10,000 to Rs.25,000 per

month.
The majority of the family member unorganized retail business 40 percent of the below
3 members.
The majority 45%of the respondents are

unorganized retail business in joint stock

company.
The majority of the unorganized retail business 46 percent of the respondents working
from outside.
The majority 27 % of the unorganized retail business more than 15 years experience.
The majority 54 % of the unorganized retail business more than 6 to 12 hours working for
the respondents.
The majority of the unorganized retail business 42 per cent of the respondents grocery.

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The majority of the 37 per cent of the respondents unorganized retail business initial
investment Rs.10,000 to Rs.20,000.
The majority of the unorganized retail business are sources of fund to borrowed capital
The majority of the 35 per cent respondents unorganized retail business borrowed from
commercial banks because this type of institutions immediate payable at loan.
The majority 36 per cent of the respondents were the store lay out size 200 sqft to 500
sqft
The majority 39 per cent of the respondents were the lay out of godown area 200 to
300 sqft of the unorganized retail business.
The majority 41% of the respondents visited to the unorganized retail

business to

the shop.
The majority 55 per cent of the respondents unorganized retail business to the family
support.
The majority of the unorganized retail business monthly turnover above Rs.9, 000
because of the retail business monthly turnover.

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Hypothesis findings
H0: There is no significant different between the awareness of government policies

and the nativity of the unorganized retailers.


H0: There is no significant different between the awareness of government policies

and the age of the unorganized retailers.


H0: There is no significant different between the awareness of government policies
and the education of the unorganized retailers.
H0: There is no significant different between the awareness of government policies

and the family income of the unorganized retailers.


H0: There is no significant different between the awareness of government policies

and the form of the unorganized retailers


H0: There is no significant different between the awareness of government policies
and the experiences of the unorganized retailers
H0: There is no significant different between the awareness of government policies
and the size of the store unorganized retail business.

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SUGGESTIONS
1. The unorganized retail finance should be provided for family long period and it should be
commensurate with the operations for which it is designed to facilitate and it should be
provided at lower rate of interest.
2. The finance should be granted against personal security of the borrower and of the basis
of farming ability, and provided according to the average yield of farms and capacity to
repay .especially in times of economic depression.
3. The finance should be provided through institutions, the officials of which have had
special training and have banking experience.
4. Building relations with borrowers takes quite some times. Therefore the transfer of
officers should be so planned that link once established is not broken abruptly.
5. Bank officers should render necessary advisory services to the borrower. This post
finance follow up action will act as a check on finance utilisation.
6. Unorganized business loan should be given under banks lending programme and almost
all needy retailer especially small and marginal retailer should be given unorganized
retail business.
7. Commercial banks have followed long procedure in procedure in sanctioning the loan
from the unorganized retail business.
8. Bank must suggest that through coordination with various institutional agencies should
improve their sources and delay the finance to the needed people.
9. Retailer must change their attitude about loan waive, because most of the retailer expect
from government to waive their loan.
10. Retailer must aware of various loan schemes available relating to the unorganized retail
business.

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CONCLUSION
Unorganized retail business plays an important role in the economic development of
India. In the source of livelihood of more than 65 percent of the population in India and
contributes less than 20 per cent to GDP, with a sizable share of business. To meet the
requirement of the growing population in India and contributes less than 20 per cent to GDP,
with a sizable to unorganized retail business. . To meet the requirement of the growing
population and rapid developing economy unorganized retail business has to grow fast get
modernized. The retailer are the most hapless victims of the private money lenders who are free
recover their loans by high handedness and attachment of the business.
But in order to have continued relevance and application,livelihoods perspectives must
adders more searchingly and concretely questions across the four themes highlighted above.
Knowledge, politics, scale and dynamics. These are challenging agendas, both intellectually and
practically.A certain complacency, fulled by generous funding flows a comfortable localism and
organizational intertia has meant that some of the big emerging issues of rapid globalization,
disruptive environmental change fundamental shifts in rural economics have not been addressed.
Innovative thinking and practical experimentation has not yet reshaped livelihood perspectives to
meet these challenges in radically new ways

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