A Study on Issues and Government support for the development of women Entrepreneurs

A STUDY ON ISSUES AND GOVERNMENT SUPPORT FOR THE DEVELOPMENT OF

WOMEN ENTREPRENEURS
UMA .K
Assistant professor & Research scholar
chanduma25@gmail.com
Mobile: 9916262474
Pooja Bhagavat Memorial Mahajana Education Centre, Mysuru.

ABSTRACT:
The idea of women entrepreneurship has identified as a major contributor to the financial
growth of the country. These women leaders are self-confident, influential and willing to take
risks. Almost partial part of the whole population of India is women and for the overall
development of the government of the country. They are continually being discriminated against in
every aspect of their life. Actually, women's discrimination is not new in our society; they have
been discriminating from ancient times in India. But now a day’s women are equally competing
with men. They are working in all the sectors and they are emerging as entrepreneurs.
The objective of the study is to highlight the problems and the challenges faced by the
entrepreneurs to examine them and the study of the government support that is given to the women
entrepreneurs. This study focuses on obstacles and opportunities that on the one hand related to a
much broader vision of liberation and feminism globally and on the other creates a local defence
system in the form of entrepreneurial activity. This helps all categories of women like rural,
educated and uneducated in acquiring skills for both wage earners and self –employed, skill and
knowledge building exercises for themselves and other women by inspiration and motivation. This
paper suggests treating women as specific target groups in all development programs. The study
concludes that to motivate and co-operate with women entrepreneurs, awareness programs should
be conducted. It is creating awareness among women entrepreneurs in this area.

Keywords: family support, opportunities and challenges, women empowerment, and women
entrepreneurs.

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INTRODUCTION:
Almost partial part of the whole population of India is women and for the overall
development of the government of the country. India should able to utilize this better half
productively. But as we know that Indian society is a male-dominated society. Here, women are
taught to remain within the four walls of the house. They are always being discriminated in every
aspect of their life. Actually, women discrimination is not new in our society; they have been
discriminating from ancient time in India.
Entrepreneurship is carried out to examine the female entrepreneur’s involvement in
businesses. Definitely, it attempts to explore the factors that have the motivation to influence the
success of female entrepreneurs in India. Also, the study examines the challenges that women have
to go through to be successful entrepreneurs. But this day’s a lot of women entrepreneurs have
emerged and they are said to be leaders who are self-confident and influential and willing to take
risks. In this cut-throat competition, these women have managed to come to the lead, survive with
their creativity and ability to succeed with their hard work and determination. It is evident from the
secondary sources of data that the strengths of Indian women entrepreneurs are able to learn
quickly from their previous mistakes, willing to make use of the chances of doing the business of
what they know, open style of problem-solving and knowing how to win and lose. The ability to
learn rapidly from her abilities, her expressiveness, open style of problem-solving, willingness to
take risks and chances, to motivate people, knowing how to win and lose elegantly are the
strengths of the Indian women entrepreneurs. As per the Government of India women,
entrepreneurs are those who have enterprises controlled by them with the minimum financial
interest of 1% of capital employed and at least 51% of employment is given to women. The study
of 20 Indian states has revealed that the status of women entrepreneurship in India is
underdeveloped.

BACKGROUND OF THE STUDY:

Women entrepreneurship needs to be studied take apart for two main reasons. The first
reason is that women's entrepreneurs create new jobs for themselves and others. Being changed
also provides society with different solutions to management, organization and business problems
as well as to the development of entrepreneurial opportunities. The second basis is that the topic of
women in entrepreneurship has been largely ignored both in society in general and in the social
sciences. The challenges and opportunities provided to the women of the digital era are growing

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 A Study on Issues and Government support for the development of women Entrepreneurs

rapidly that the job seekers are turning into job creators. Many women start a business due to some
uncertain event, such as divorce, literacy, discrimination due to pregnancy or the corporate glass
ceiling, the health of a family member, or economic reasons such as a layoff. But a new talent pool
of women entrepreneurs is forming today, as more women opt to leave the corporate world to plan
their destinies. They are rising as designers, interior decorators, exporters, publishers, garment
manufacturers, business entrepreneur and still exploring new avenues of economic participation.
IMPORTANCE OF THE STUDY:
Women are now conquering the corporate positions previously regard as male and are
outperforming their male colleagues in some areas. The entry of more women into the workforce
has led to significant economic growth and output. Women equal with men socially and
economically, but the gap between them remains large. It's creating and preserving a strong and
positive company culture is the pre-requisite for the growth and long-term success of any
company. Start-ups are a difficult game to enter into, irrespective of your gender. Women
entrepreneurship can lead to remarkable social change, making women economically empowered
and independent in society.
NEED OF THE STUDY:
The educated women don’t want to limit their lives in four walls of the house. They
demand equal rights and positions because traditions are deep-rooted in society. These women
stand tall from the rest of the crowd and are congratulated for their achievement in their field.
These women leaders are self-confident, influential and willing to take risks. They managed to
survive and succeed in this economical completion with their hard work. The open style of
problem-solving, willingness to take risks is features of women entrepreneurs. Woman constitutes
the family, which leads to society and nation, social and economic development of women is
essential for the overall economic development of any society or a country. Entrepreneurship is the
state of mind that every woman has in her but has not been exploited in countries like India in a
way which it should be because of cultural barricades and due to customs, traditions of India. Now
when women enter the field of entrepreneurship various factors motivate her. These factors are
education; desire to be independent, desire to earn money and desire to make their own identity in
society.
LITERATURE REVIEW:

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John (2018)1: This study concentrates on factors responsible for the women to became
entrepreneurs, reasons for low progress of women, various problems and challenges and policies,
programs, institutional networks and the involvement of the support agencies in promoting women
entrepreneurship. It discussed certain promotional factors, grounds for progress and role of
government policies to promote women entrepreneurs. The study concludes that women
entrepreneurs have to be equipped with the entrepreneurial arena. 2
Nehawadhawan (2017)2: This study talks about the current scenario of women entrepreneurship
in India, the problems and challenges faced by women entrepreneurs, and highlighted the fact that
human is becoming socially and economically independent and empowered through running this
own enterprise. It finally concludes that the government and society as a whole need to work
together to raise self-employed and advance individuals in society.
Chirag (2016)3: This study focused on the problem faced by women entrepreneurs in rural India
and opportunities for rural women entrepreneurs. It finds the certain problems and difficulties are
faced by rural women and lack of support for the development of women entrepreneurs. The study
concludes that there is a need for continual attempt to encourage, inspire, motivate and co-operate
awareness programs should be conducted to create awareness among women about the various
areas to carry out business.
Bharthvajan (2013)4: This study focuses on identifying the key issue and problems faced by
women entrepreneurs, co-entrepreneurs, and entrepreneurs from ethnic minorities. It finds that the
barriers that drag the development of women entrepreneurs and their supporting advice. The study
concludes with the proper guidance and backbone support will promote women entrepreneurs,
which means that they are more likely younger businesses.
Swetha & Rao ( (2013)5: This study focused that women entrepreneurs bring on the overall
change in the society through innovation Indian entrepreneurs have proved to be an inspiration in
attaining heights while overcoming barriers and obstacles in their field. Through their research
1
. S. John kaviarasu and C. Francis, (2018): “women entrepreneurship development in India: challenges and empowerment”, international journal of
scientific research and reviews, ISSN No: 2279-0543, Page No: 2295-2303.

2 Neha Wadhawan (2017): “Entrepreneurship: Issues and Challenges to Women of India”, ISSN (Online):2250-0758, ISSN (Print): 2394-6962,
International Journal of Engineering and Management Research Page No: 208-212.
3
Chirag, (2016): “Challenges and opportunities for women entrepreneurs in rural India”, international journal of
human resource & industrial research, ISSN No: 2349-3593 (Online), ISSN No: 2349-4816(Print), Vol No: 3, Page No:
79-87.
4
Bharathi V Sunagar and Meghajigalur, (2013): “critical issues of women entrepreneurship with special reference to
special business units in north Karnataka”, international journal of current engineering and technology, ISSN No 277-
4106; Page No- 57-64.
5
Swetha T, Rao, V.K., (2013): “Entrepreneurship in India, International Journal of Social Science & Interdisciplinary
Research”, Vol. 2 (7), July 2013. Page no.-208-212.
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expressed that the life of entrepreneurs had never been smooth throughout their life, they have to
face many obstacles and challenges in their path to reach their success. They conclude that they
emphasized those women as a part of the nation act as sources of support, solidity, and firmness,
not only to her family but also to the whole nation.
Menu (2011)6: This study focused on evaluating the factors responsible for encouraging women to
become entrepreneurs, the impact of assistance by the government, entrepreneurship, policy
programs, institutional network and the involvement of support agencies and problems faced by
women entrepreneurs. It finds that the measures taken by the government to promote women
entrepreneurs. It determines that the unknown talents of young women must be identified, brand
and used for various types of industries to increase productivity in the industrial sector.
OBJECTIVES OF THE STUDY:
• To study the theoretical background of emerging women entrepreneurs in India.
• To examine the challenges and barriers faced by women entrepreneurs.
• To study the government support given for women entrepreneurs.
METHODOLOGY OF STUDY:
To examine the objectives, secondary data was collected from various reputed publications
like books, national & international journals and public and private publications available on
various websites and libraries focusing on various aspects of women entrepreneurship. This
research is also a desk study based on secondary information, especially from various articles,
journals, and websites.
1. To study the theoretical background of emerging women entrepreneurs in India.
A group of women or women who start to organize and operate a business enterprise. " The
women tycoons as an inventiveness owned and controlled by women having a minimum financial
interest of 51 percent of the capital and giving at least 51 percent of the employment generated in
the enterprise of the women" as defined by the Indian government. The women entrepreneurs
involve themselves in business due to pushing and pulling factors that give self-reliance to women
to have an independent occupation and stand on their legs. A sense of independent management of
their life and career is the motivational factor behind this desire.
The women entrepreneurs hampered with household tasks and domestic responsibilities,
women want to get independence. Some of the factors influence women entrepreneurs to choose a
profession as a challenge and as a desire to do something new. Such a situation is described as pull

6
Meenu Goyal & Jai Parkash (2011): “Women Entrepreneurship in India-Problems and Prospects”, International Journal of Multidisciplinary
Research, www.zenithresearch.org.in, Vol.1, Issue 5, ISSN- 2231 -5780, Page no.-195-207.

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factors. Whereas in push factors women engaged in business activities due to family pressure and
the responsibility is to push upon them. According to P.F Ducker, an entrepreneur can be defined
as the one who maximizes the opportunity. According to McClelland an empowering environment
and one's capabilities ultimately decide entrepreneurial activity. According to Weber the spirit of
capitalism pushes entrepreneurial activity in any society. Cochran studies cultural values, role
expectations of society in which the entrepreneur operates and the abilities of the entrepreneur as
key factors explaining entrepreneurial activity across different perspectives.
For any emerging country, women entrepreneurs play an energetic role for the most part in
terms of their sum to economic development. The women entrepreneurship has been considered as
a major source of economic growth. By starting their new business enterprise women
entrepreneurs generate new jobs for themselves and others and also provide society with different
solutions to management, organization and business problems. However, they still represent
alternative as women entrepreneurs, especially in India. Gender discrimination is the main
problem the young women entrepreneurs face in developing their businesses, like discriminatory
property, matrimonial and inheritance laws and/or cultural practices, lack of access to formal
finance mechanisms inadequate mobility and access to information and networks, etc. The
women's free enterprise can make a particularly strong involvement in the economic well-being of
the family and communities, poverty reduction and women empowerment. Therefore,
administrations across the world, as well as various progressive organizations, actively support and
promoting women entrepreneurs through various schemes, incentives, and promotional measures.
Table 1 shows that the participation of women in management/ownership in State-wise
No. of enterprises No. of women
S.L No. Name of state/ UT
managed by women enterprises
1. Jammu & Kashmir 5640 5742
2. Himachal Pradesh 3515 3722
3. Punjab 30190 29068
4. Chandigarh 2059 2243
5. Uttaranchal 8706 8804
6. Haryana 10087 9620
7. Delhi 13368 14383
8. Rajasthan 29785 36371
9. Uttar Pradesh 54491 72667
10. Bihar 38170 49443
11. Sikkim 30 98
12. Arunachal Pradesh 131 150
13. Nagaland 207 179
14. Manipur 9168 10745
15. Mizoram 3076 3700

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16. Tripura 631 863

17. Meghalaya 3658 3580
18. Assam 11189 11757
19. West Bengal 71847 69625
20. Jharkhand 7271 7865
21. Orissa 33274 38233
22. Chhattisgarh 11766 10034
23. Madhya Pradesh 62351 68823
24. Gujarat 55361 53703
25. &26 Daman, diu, dadra, &nagarhaveli 167 213
27. Maharashtra 80662 100670
28. Andhra Pradesh 77347 77166
29. Karnataka 101264 103169
30. Goa 677 810
31. Lakshadweep 61 67
32. Kerala 137561 139225
33. Tamil Nadu 130289 129808
34. Pondicherry 1089 1065
35. Andaman &Nicobar Islands 53 110
All India 995141 1063721
(Source: Third census of SSI sector 2019)
Table 1 shows that the Uttar Pradesh with 39.84% followed by Gujarat, Kerala, and Punjab
are some states with high involvement in women entrepreneurship. But Karnataka with the least
contribution of only 26.84% is least in the list. The days have gone when women always passed
her whole life within the boundaries of the house now women are found indulged in every line of
business. The development of women in Indian business is the addition of her normal home
activities. However, the spread of education and passage of time women started shifting from
doing work at home or kitchen to the business venture. The skill, knowledge, and adaptability in
business are the main reasons for women to emerge into business ventures. A young female who
accepts a challenging role to meet her personal needs become economically independent is called a
women entrepreneur. The inbuilt quality of any strong entrepreneurial woman is doing something
positively, who is capable of contributing values in both family and social life. With the advent of
media, women are aware of their traits, rights and also the work situations.
Table-2 Status of women entrepreneurship across the world.
Countries In Percentage
India 31.6
USA 45
UK 43
Canada 42
Indonesia 40
France 38

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Sri Lanka 35
Brazil 35
(Source -World Bank Report 2010)
Women entrepreneurs in Karnataka
S.L No. Women entrepreneurs
1 Kiran SazumdarShaw , M .D of Biocon limited
2 Dr.kamini A. rao, founder and medical director of milann
3 Shubhra Chadda, Traveler and Former Marketer At Netapp
4 Meena Ganesh, CEO Of Prtea Medical
5 Srividhya Srinivasan, Co-Founder Impulsesoft
6 Richa Kar, CEO Of Zivame
(Source: Collected by own from Google)
2. To examine the challenges and barriers faced by women entrepreneurs.
• The main challenges that women face in business are learning and work background,
• Balancing their timeshare between family and work,
• Problems of introducing start-up capital,
• A problem in borrowing fund,
• Existence of small-scale companies,
• Problems of receiving raw –materials access to the export market without mediators,
• As well as an overall psychological barricade on the part of banks, suppliers, and clients.
In addition to this some of the challenges faced by rural areas are as follows:
•Lack of financial assistance: most of the women, especially in rural areas, are not aware of the
financial assistance provided by various institutions. The efforts taken for women entrepreneurs
may not be able to reach the entrepreneurs in rural and backward areas.
•Flexibility restraints: women in India have to face a lot of restrictions on their mobility; our
society still has some conservativeness, and due to that career of women is limited to four walls of
the kitchen. The mobility problem has eliminated to a very certain extent by the expansion of
education awareness to all.
•Socio and cultural barriers: family and personal obligations sometimes work as great barriers
for succeeding in the business career of women entrepreneurship.
•Lack of commercial awareness: it is one of the key attributes cited by many employ abilities,
but unfortunately one that many people seem unable to demonstrate. It comes up time again in job
advertisements, discussions between recruiters and career guidance websites.
•Lack of government supports:
•The inconsistency of finance & entrepreneurial skill:

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•No awareness about capacities:

•Lack of professional education:
According to the 2001-02 censuses conducted by the Indian government and following
estimates made, only 10.11% of the micro and small enterprises in India are owned by women,
whereas the MSE enterprises are managed by women are 9.46%. The various schemes have been
formulated by the ministry and some more are in the process of being finalized to promote
progressively women enterprises in the MSE sector. The problems experienced by women
entrepreneurs have resulted in restricting the expansion of women entrepreneurship.
The major barriers encountered by women entrepreneurs are:
1. A kind of male-dominant social order is the building block to them in their way towards
business success. Male member think it is a big risk of the financing ventures run by women
2. Women are looked upon as able i.e. weak in all respects. In a male-dominated society, women
are not treated equally to men that act as a barrier to woman‘s entry into the business.
3. Women entrepreneurs have to face a thought competition with the men entrepreneurs who easily
involve in the promotion and development activity.
4.They are even less educated, economically not stable nor self-dependent which reduces their
ability to bear their risks, lack of family support and uncertainties involved in a business unit.
5. The old and out-dated social outlook to stop women from entering the field of entrepreneurship
is one of the reasons for their failure.
6. Unlike men, women's mobility in India is highly limited due to many reasons.
7. Indian women give more emphasis on family ties and relationships. Married women have to
make a good balance between business and family.
8. The educational level and family background of husbands also influence women's participation
in the field of enterprise.
9. Many women take the training by attending the Entrepreneurial Development program without
an entrepreneurial bent of mind. Women who are partially training by various institutes must be
verified by the account of aptitude through the tests, interviews, etc.
3. The Government Support for Women Entrepreneurs in India
1. (TREAD) Trade-related entrepreneurship assistance and development scheme for
women): With the objective of encouraging women in starting their own venture, the government
launched a Scheme, namely, (TREAD) Trade-Related Entrepreneurship support and Development
during the 11th Plan. From the Indian government, 30% of the project total cost is granted to the
Non-Government Organizations (NGOs) for promoting entrepreneurship among women. The

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remaining 70% of the total project cost is financed by the lending organization as a loan for
undertaking activities as envisaged in the project. Up to Rs.1lakh per program can be granted by
the government of India to training institutions / NGOs for providing training to the women
entrepreneurs.
2. (MSE-CDP): Micro & Small Enterprises Cluster Development Programme
a) Existing Clusters: The cluster is termed as a group of enterprises, normally 20 or more
producing same/similar products/services. The Group development program being implemented
envisages diagnostic study of identified clusters of traditional skill-based MSEs to identify suitable
technology and their providers to facilitate the adoption of available technology meeting the
specific needs of the end-users. The group expansion goals at improved competitiveness,
technology improvement, adoption of the best manufacturing practices, marketing of products,
employment generation, etc. The new scheme provides support for capacity building, common
facilities, marketing, etc.
b) Physical arrangement: The IID Scheme to deliver developed sites with infrastructural
amenities like exhibition/display centres, telecommunications, drainage, and pollution control
facilities power distribution network, raw materials, roads, water, The common storage service
facilities, and marketing outlets, and technological back-up services, etc. This scheme has been
included in the MS-ME-Cluster Development Programme. All the features of the IID Scheme have
been retained.
3. Credit guarantee fund scheme: The guarantees cover is up to 80% of the credit subject to a
maximum guarantee limit of Rs. 20lakh. The (MLI) availing of guarantee from the Trust have to
pay a one-time guarantee fee of 1.5% of the credit facility (comprising term loan and/or working
capital) allowed by the member lending institution to the borrower and annual service fee of 0.75%
per annum on the amount of credit facility extended by the MLI, which is covered under the
scheme.
4. Help for Entrepreneurial and Managerial Development:
MSME DIs regularly conducts EDPs/MDPs for existing and potential entrepreneurs and charge a
fee for such courses. To encourage more entrepreneurs from among the SC/ST, women and
physically challenged groups, it is proposed that such beneficiaries will not be charged any fees
but, instead of paying a stipend of Rs.500/- per capita per month. 50,000 entrepreneurs will be
trained in IT, Fashion Technology, Agro& Food Processing, Catering, biotechnology
Pharmaceutical, etc. through specialized courses run by MSME DIs. 20% of courses conducted by
these Institutions shall be exclusively for women

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5. The for women Entrepreneurs to Encourage Small & Micro Manufacturing Units Scheme:
This women entrepreneur to support Small & Micro manufacturing units owned by women in their
overseas markets, to enhance participation of small/micro manufacturing enterprises under SIDO
stall at International Trade Fairs/Exhibitions, to enhance export from such units. The 25
international exhibitions are envisaged during the 11th Plan. The year 2007 to 08, the good number
of outstanding women entrepreneur associations has been requested to sponsor their members for
participation in 5 international exhibitions scheduled during the months of 2008 Jan. to March,
With a view to give confidence to women entrepreneurs for participating in the International
Exhibitions.
6. Dena Bank to support India’s women entrepreneur: Dena Bank will help Government of
India’s initiative to promote women entrepreneurs for self-employment ventures in any kind of
non-farm activity.
The government of India has over 27 schemes at present for women. Some of these are:
1. Entrepreneurial Development Program (EDPs)
2. The Assistance to Rural Women in Non-Farm Development schemes
3. Indira Mahila Yojana
4. Indira Mahila Kendra
5. Integrated Rural Development Programme (IRDP)
6. Khadi and Village Industries Commission (KVIC)
7. Management Development programs
8. Women’s Development Corporations (WDCs)
9. (MAHIMA) Marketing of Non-Farm Products of Rural Women
10. Mahila Vikas Nidhi
11. Mahila Samiti Yojana
12. Mahila Vikas Nidhi
13. Micro Credit Scheme
14. (MSE-CDP).Micro & Small Enterprises Cluster Development Programmes
15. NGO’s Credit Schemes
16. NABARD- KfW-SEWA Bank project
17. National Banks for Agriculture and Rural Development’s
18. Priyadarshini Project- A program for Rural Women Empowerment and Livelihood in Mid
Gangetic Plains’
19. Prime Minister’s Rojgar Yojana (PMRY)

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20. Rashtriya Mahila Kosh

21. Rajiv Gandhi Mahila Vikas Pariyojana (RGMVP)
22. SIDBI’s Mahila Udyam Nidhi
23. SBI’s Stree Shakti Scheme
24. Trade-Related Entrepreneurship Assistance and Development (TREAD)
25. Working Women’s Forum
26. Training of Rural Youth for Self-Employment (TRYSEM)
SUGGESTIONS:
Given the above obstacles, it is necessary to adopt some measures for the development of
entrepreneurship among women.
•The government should focus on women as specific target groups in all development programs.
•The government and various NGOs should conduct skill development programs and workshops to
improve communication and leadership quality.
•The government should be raising financial funds for women entrepreneurs.
•The financial support at a concessional rate from a bank.
•The government should ensure that optimum raw materials are available to carry out
entrepreneurial activities.
•We should support and encourage them to be an entrepreneur.
CONCLUSION:
Now a day the women entrepreneurs have progressively played a significant role in job creation
and economic development. The young women are now entering not only in the selected
profession but also in professions like trade, industry, and engineering. So developing
entrepreneurship among women will be the right approach for the empowerment of women.
However, regrettably, it is seen that the traditional mind-set of the society and carelessness
of the state and respective authorities are important obstacles in the women entrepreneurship
development in the carpet district. Apart from these lack of self-confidence, lack of finance, lack of
professional education, lack of managerial skills, mobility constraint, competition from male
entrepreneurs, social prejudice, family pressure, non-availability of raw materials are major
problems of women entrepreneurship development in India. Therefore, there is a need for
continuous, awareness programs should be conducted on a mass scale to create awareness among
women entrepreneurs in India.

REFERENCE:

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1. Anita shou and abbhinavnigam, (2018): “status of women entrepreneurs in India: the current
scenario and government’s role in improving it”, Vol 5, issue 3, ISSN-2348-9766, page no-
402-419.
2. Anup Karmakar & Ibemchachanu, (2017): “opportunities and challenges of women
entrepreneurship”, international journal of humanities &social science studies, ISSN No:
2349-6959(Online), ISSN No: 2349-3143(Print), Volume No-Iii, Page No: 300-311.
3. Bharathi V Sunagar and Meghajigalur, (2013): “critical issues of women entrepreneurship with
special reference to special business units in north Karnataka”, international journal of
current engineering and technology, ISSN No 277-4106; Page No- 57-64.
4. Chirag, (2016): “Challenges and opportunities for women entrepreneurs in rural India”,
international journal of human resource & industrial research, ISSN No: 2349-3593
(Online), ISSN No: 2349-4816(Print), Vol No: 3, Page No: 79-87.
5. Mazlina Mustapha & punitha A, p Subramaniam, (2015): “challenges and success factors of
female entrepreneurs: evidence from a developing country”, the international review of
management and marketing, ISSN No: 2146-4405, Page No: 225-231.
6. Meenu Goyal & Jai Parkash (2011): “Women Entrepreneurship in India-Problems and
Prospects”, International Journal of Multidisciplinary Research,www.zenithresearch.org.in,
Vol.1, Issue 5, ISSN- 2231 -5780, Page no.-195-207.
7. Neha Wadhawan (2017): “Entrepreneurship: Issues and Challenges to Women of India”, ISSN
(Online):2250-0758, ISSN (Print): 2394-6962, International Journal of Engineering and
Management Research Page No: 208-212.
8. S. John kaviarasu and C. Francis, (2018): “women entrepreneurship development in India:
challenges and empowerment”, international journal of scientific research and reviews,
ISSN No: 2279-0543, Page No: 2295-2303.
9. Sirumalarrajam and Sundararajan, (2016): problems faced by women entrepreneurs, Issn No:
2350-0530(O) Issn-2392-3629(P), Page No 77-86.
10. Swetha T, Rao, V.K., (2013): “Entrepreneurship in India, International Journal of Social
Science & Interdisciplinary Research”, Vol. 2 (7), Page no.-208-212.
11. www.dcmsme.gov.in/schemes.

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