Index: Priyadarshini Lokmanya Tilak Institute of Management Studies & Research, Nagpur

Lokmanya Tilak Jankalyan Shikshan Sanstha
PRIYADARSHINI LOKMANYA TILAK

INSTITUTE OF MANAGEMENT
STUDIES & RESEARCH, NAGPUR
INDEX
Chapter No Name of Chapter Page No
(from to)
I. Executive Summary 6-9
II. Introduction to topic 10-24
III. Objectives Of Study 25-26
IV. Research Methodology 27-32
V. Data Analysis & Interpretation 33-45
VI. Conclusions & Findings 46-48
VII. Suggestions & Recommendations 49-52
_ Bibliography 53-54
_ Annexure 55-67
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Project Report of Ms. Hemangi Dhawade
CHAPTER-1
Executive summary
I. Executive summary
Women entrepreneurship is the process in which women initiate a business. In addition to
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The special schemes for women entrepreneurs, various government schemes for MSMEs
also provide certain special incentives and concessions for women entrepreneurs. For
instance, under Prime Minister’s Rozgar Yojana (PMRY), preference is given to women
beneficiaries. The government has also made several relaxations for women to facilitate
the participation of women beneficiaries in this scheme. Similarly, under the MSE
Cluster Development program by Ministry of MSME, The schemes for women
Entrepreneurs, Mudra Loan for Women, Annapurna Scheme, Stree Shakti Yojana,
Dena Shakti Scheme, Bhartiya Mahila Bank Business Loan, Mahila Udyam Nidhi
Yojana, Orient Mahila Vikas Yojana Scheme, Cent Kalyani Scheme, Udyogini
Scheme, Pradhan Mantri Rozgar Yojana and Synd Mahila Shakti Scheme
Objectives of study, to investigate the socioeconomic situation of Women entrepreneurs
in the research area. Evaluate how well women entrepreneurs are aware of government
assistance programmes. To aware womens for starting their own bussiness. To help
women entrepreneurs with equity assistance. For the Development of Women in Rural
Areas. To help educated women to start-up businesses in electronics, computers,
manufacturing, printing, readymade garments, etc.To provide opportunities of self-
employment to the educated womens of the country. The loan doesn't require you to
provide any collateral security. To motivate women entrepreneurs and changed to role of
women from a housewife to a businessmen women.
The current research was carried out in the Nagpur District. This is based on both primary
and secondary sources of information. Secondary information was gathered from
websites, books and periodicals, magazines. In many countries, governments have
established various financial schemes to support women entrepreneurs in starting or
expanding their businesses. These schemes include grants, loans, subsidies, and tax
exemptions, among others. Number of women entrepreneurs who have applied for and
received the financial support. The type and amount of financial support provided to
women entrepreneurs. The success rate of women entrepreneurs who have received the
financial support. The impact of the financial support on the growth and sustainability of
women-led businesses.
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This chapter deals with the data analysis and interpretation are central steps in the
research process. The goal of analysis is to summarize the collected data in such a way
that they provide answers to the question that triggered the research. Cross tabulation of
Chi-square test among age, education, training and their relation with empowerment of
women entrepreneurs. T-test shows Results of empowerment of women through pre and
post entrepreneurial condition of women entrepreneur. Empowerment of women
entrepreneurship improvement Results.
Finding about government finance schemes provided for women entrepreneurs based on
their age, education, marital status, or family status. However, some general observations
can be made overall, government finance schemes can play a vital role in supporting
women entrepreneurs of all ages, education levels, marital statuses, and family statuses.
By providing access to financial resources, training, networks, and supportive policies,
these schemes can help women entrepreneurs overcome barriers and achieve success in
their business ventures.
Suggestions & Recommendations. While coaching can be beneficial for women, it's
important to recognize that each individual has unique needs and circumstances. Avoid
making assumptions about what all women need or what will work for everyone.
Coaching should be focused on empowering women to achieve their goals, rather than
trying to "fix" them or make them conform to certain expectations or standards. While
coaching can be helpful for individual women, it's important to also address systemic
barriers that may be preventing women from reaching their full potential. This can
include issues such as workplace discrimination, gender-based violence, and unequal
access to resources and opportunities.
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CHAPTER-2
Introduction of topic
1.Introduction of topic
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 Entrepreneurs
An entrepreneur is someone who has an idea and who works to create a product or
service that people will buy, as well as an organization to support that effort. An
entrepreneur takes on most of the risk and initiative for their new business, and is often
seen as a visionary or innovator.
 Women Entrepreneurship
Women entrepreneurship is the process in which women initiate a business, gather all
resources undertake risks, face challenges, provides employment to others and manages
the business independently. Approximately 1/3rd of the entrepreneurs in the world are
women entrepreneurs. According to definition given by Government of India – “A
women entrepreneur is defined as an enterprise owned and controlled by woman having a
minimum financial interest of 51% of the capital and giving at least 51% employment
generated to women”
Women Entrepreneurship refers to business or organization started by a woman or group

of women. There has been a change in role of women due to growth in education,
urbanization, industrialization and awareness of democratic values.
Women entrepreneurs can be broadly categorized into five categories:-
♦ Affluent entrepreneurs – These are daughters and wives of wealthy businessmen.

These women have the financial aid and the necessary resources to start a new enterprise
and take business risks.
♦ Pull factors – These are educated women living in urban areas with or without work
experience who take the risk of a new enterprise with the help of financial institutions
and commercial banks. These women take up a new business challenge in order to be
financially independent.
♦ Push factors – These women take up some business activity in order to overcome
financial difficulties. Generally widows and single women manage an existing family
business or develop a new business due to difficult family situations.
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♦ Rural entrepreneurs – These women belong to rural areas and choose a business
suiting their resources and knowledge. Business carried out involves low investment,
minimum risk and does not require any special skills.
♦ Self-employed entrepreneurs – They are uneducated women who fall below the
poverty line. They choose tiny and small enterprise which are convenient to manage and
adequate for the sustenance of her family.
 Government Policies and Programs:
In order to facilitate and motivate the growth of entrepreneurship, the central and state
governments have created an elaborate institutional framework in the country.
There are several schemes launched by the govt. to motivate women entrepreneurs and
changed to role of women from a housewife to a businessmen women.
For example – SBI Store Shakti Package, IDBI Mahila Udyans Scheme, SIDBI’s
assistance for Women Entrepreneur, Bank of India’s Priyadarshine Yojana, Prime
Minister Rojgar Yojana (PMRY), Self-Employment program for Urban Poor (SEPUP),
Swarnajayanti Gram Swarojgar Yojana (SGSY), Integrated Rural Development program
(IRDP).
Micro-Finance through Rashtriya Mahila Kosh (RMK) are some of the schemes launched
for the development of women entrepreneurs.
 Government Encouragement:
The Government have started giving increasing attention and encouragement to women’s
economic conditions through self- employment and business ventures.
They have formulated various policies and programs and introduced various incentive
schemes to promote women entrepreneurs in the country. Such encouragement and
incentive schemes have induced women to undertake business mentors.
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Women Entrepreneurship – Various Schemes Introduced by Government for
Empowerment of Women
Once the government on its part realized the need for empowerment of women, it started
coming out with a number of schemes, to provide for greater access to capital, so that
they could startup units. Some institutions like National Alliance of Young Entrepreneurs
(NAYE) assess women in starting-up, identifying good investment opportunities and
raising capital more easily. Commercial banks also have women entrepreneur sections,
where financial assistance is provided.
In fact, schemes under the IDBI bank called ‘Mahila Udhyam Nidhi’ and ‘Mahila Vikas
Nidhi’ help women entrepreneurs with equity assistance. Established in the early 1990s,
‘Ashriya Mahila Kosh’ trains and provides orientation programs for women. With their
help, women have been able to triple their income.
The Norwegian Agency for International Development was established in 1983 to help
educated men and women to start-up businesses in electronics, computers,
manufacturing, printing, readymade garments, etc. Arvind, a scheme started by the
National Bank for Agricultural and Rural Development (NABARD) provides loans to
women to participate in agriculture. The Development of Women and Children in Rural
Areas (DWCRA) was launched in 1980s by the rural development to support women’s
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income generation activities. They provided economic assistance to develop skills and
meet their liabilities.
Women Empowerment Schemes
Below we have provided a list of government schemes for women entrepreneurs:
1. Mudra Loan for Women

2. Annapurna Scheme
3. Stree Shakti Yojana
4. Dena Shakti Scheme
5. Mahila Udyam Nidhi Yojana
6. Orient Mahila Vikas Yojana Scheme
7. Udyogini Scheme
8. Pradhan Mantri Rozgar Yojana
9. Synd Mahila Shakti Scheme
The government finance schemes for woman entrepreneurs are discussed in

details below
1. Mudra Loan for Women
Mudra Loan for Women was launched by the government as a woman loan scheme to
offer financial support for enthusiastic women entrepreneurs. They seek a business
plan like starting a beauty parlor, tuition center, stitching shop, etc. This scheme does
not require any collateral to grant the loan. However, there are categories under which
a Mudra loan application can be applied. They are as follows:
 Shishu Loan: The maximum loan amount granted to businesses in the initial stage
is Rs.50000.
 Kishor Loan: This loan is for businesses that are already established but wish to
improve services. The amount of loan granted varies from Rs.50000 to Rs.5
Lakhs.
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 Tarun Loan: This loan is for well-established businesses planning to expand their
reach and is short on capital; they can avail as much as Rs.10 Lakhs for the
purpose.
2. Annapurna Scheme
The Annapurna Scheme has been launched with effect from 1st April 2000. It aims at
providing food security to meet the requirement of those senior citizens who, though eligible,
have remained uncovered under the National Old Age Pension Scheme (NOAPS)
Antyodaya Anna Yojana. Antyodaya Anna Yojana is a Government of India sponsored scheme
to provide highly subsidised food to millions of the poorest families. This scheme was brain-child
of then Union Food and Civil Supplies Minister, Shanta Kumar. Antyodaya Anna Yojana (AAY)
and the Annapurna Scheme (APS) with special target groups of 'poorest of the poor' and
'indigent senior citizens', respectively. This scheme was launched on April 1, 2000 as a 100 per
cent Centrally Sponsored Scheme. It aims at providing food security to meet the requirement of
those senior citizens who though eligible for pension under the National Old Age
Pension Scheme, are not getting the same.
The Annapurna Yojana is one of the many government schemes for women. Under
this, the Government of India offers women entrepreneur’s schemes in food catering
businesses loans up to Rs.50000. The borrowed amount could be used for working
capital requirements such as buying utensils, mixer cum grinder, hot case, tiffin
boxes, working table, etc.
After the loan is approved, the lender doesn't have to pay the EMI for the first month.
Once sanctioned, the amount has to be repaid in 36 monthly instalments. The interest
rate charged is determined based on the market rate and the concerned bank.
The Annapurna Scheme has been launched with effect from 1st April 2000. It aims at
providing food security to meet the requirement of those senior citizens who, though eligible,
have remained uncovered under the National Old Age Pension Scheme (NOAPS) Antyodaya
Anna Yojana. Antyodaya Anna Yojana is a Government of India sponsored scheme to provide
highly subsidised food to millions of the poorest families. This scheme was brain-child of then
Union Food and Civil Supplies Minister, Shanta Kumar. Antyodaya Anna Yojana (AAY) and
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the Annapurna Scheme (APS) with special target groups of 'poorest of the poor' and 'indigent
senior citizens', respectively. This scheme was launched on April 1, 2000 as a 100 per cent
Centrally Sponsored Scheme. It aims at providing food security to meet the requirement of those
senior citizens who though eligible for pension under the National Old Age Pension Scheme, are
not getting the same.
3. Stree Shakti Yojana
The State Bank of India introduced the Stree Shakti Scheme to help women entrepreneurs
in India to receive subsidized loans and help them achieve their entrepreneurial goals. It
is a scheme designed to help women become self-reliant and also to help them save more
The Stree Shakti package is a unique government scheme for women that supports
entrepreneurship by providing certain concessions. This woman loan scheme is
eligible for women who have the majority of ownership in the business. Another
requirement is that these women entrepreneurs be enrolled under the Entrepreneurship
Development Program (EDP) organized by their respective state agencies. This Stree
Shakti scheme allows women to avail of an interest concession of 0.05% on loans
more than Rs.2 lakh
The Stree Shakti Scheme's primary objective is to aid in the economic development of
the women of rural India. This will help create a conducive environment for social
change in India.
The Stree Shakti Scheme's primary benefits can be availed by women who want to gain
access to credit financing. This is inclusive of women who are self-employed and women
involved in business enterprises in the capacity of partners. However, they have to be
51% shareholders in the business organization.
The scheme is designed to help women become self-reliant. Although it is primarily a

scheme designed to help women get loans easily and at subsidized rates, its primary
objective is to help women become independent. Hence, indirectly it offers income-
generating opportunities to women.
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Under the scheme, various sectors such as agriculture and allied activities, retail trade,
microcredit, education, housing, and small scale manufacturing are covered. Women
involved in these activities can apply for loans under the Stree Shakti Scheme.
 The loan terms will vary depending on the loan amount and the reason the loan has
been taken.
 The loans' interest rates will be 0.25% below the base rates for loans where the
women applicant is the majority shareholder of the business enterprise.
The women applicants' age should not be less than 18 years and not more than 65 years
old. You will have to provide a self-attested and self-written business plan. Along with
that, you will have to provide identification documents such as PAN card, Aadhar card,
income certificate, business address proof, and bank statement of the last six months. You
will also have to provide any specific documents as required by the financial institution
disbursing the loan.
 The benefits of Stree Shakti Scheme.

 By taking advantage of Stree Shakti Yojana, women of the country will be able
to do their own employment and business.
 Stree Shakti Yojana will act as a milestone in fulfilling the mission of self-
reliant India.
 By taking advantage of this scheme, the women of the country will be able to
earn their name in the business sector and they will be able to match the men in
every field.
 Under the Stree Shakti Loan Scheme, only 5% or less interest will be charged
on the loan.
 Women will not have to depend on anyone to take advantage of Stree Shakti
Loan Yojana, she can apply for the loan on her own.
 Women will also be able to support their family by taking advantage of this
scheme.
 Under Stree Shakti Yojana, if a woman takes a loan of up to 5 lakh rupees, then

there is no need to provide any kind of security to them.
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 Women can play an important role not only in themselves but also in the progress of
the country through loans taken under this scheme.
Stree Shakti Yojana will significantly increase the number of women entrepreneurs in

the country.
4. Dena Shakti Scheme
The Dena Shakti Scheme provides loans up to Rs.20 lakh for women entrepreneurs’
scheme in agriculture, manufacturing, micro-credit, retail stores, or small enterprises.
This government scheme for women also provides a concession of 0.25 percent on the
interest rate. In addition, women entrepreneurs can avail of a loan of up to Rs.50000
under the microcredit category.
The women entrepreneurs offered with the concession of 0.25% in interest rate.
A combo of working capital and term loan
The repayment tenure is flexible as it can be lasting up to10 years
Microcredit and retail stores are also eligible entities along with enterprises operating in
the agriculture and allied sector.
5. Mahila Udyam Nidhi Yojana
The Mahila Udyam Nidhi Yojana is a scheme launched by the Small Industries
Development Bank of India (SIDBI), which is a financial institution owned by the
Government of India, aimed at promoting women entrepreneurship in India. The scheme
provides financial assistance to women entrepreneurs for setting up and running small-
scale industrial or business ventures.
Objective: The main objective of the Mahila Udyam Nidhi Yojana is to promote and
support women entrepreneurs in setting up and running their own small-scale industrial
or business ventures.
Eligibility: Women entrepreneurs between the age of 18 to 55 years who have a technical
or professional qualification and have relevant experience or training are eligible to apply
for financial assistance under this scheme.
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Loan Amount: Under the Mahila Udyam Nidhi Yojana, eligible women entrepreneurs
can avail loans up to Rs. 10 lakhs for their business ventures.
Interest Rate: The interest rate for loans under this scheme is competitive and varies
depending on the prevailing rates and credit rating of the borrower.
Repayment Tenure: The repayment tenure for loans under this scheme can extend up to
10 years, including a moratorium period of 5 years.
Collateral: As per the guidelines of the scheme, no collateral or third-party guarantee is

required for loans up to Rs. 10 lakhs.
Application Process: Interested women entrepreneurs can apply for financial assistance
under this scheme through the official website of SIDBI or through designated financial
institutions.
The Mahila Udyam Nidhi Yojana is a supportive initiative by the Government of India
and SIDBI to empower women entrepreneurs and promote their participation in the
economic development of the country by providing them with access to financial
assistance and other support services.
 Eligibility Criteria for Mahila Udyam Nidhi Yojana:
Age: Women entrepreneurs between the age of 18 to 55 years are eligible to apply for
financial assistance under this scheme.
Qualification: Women entrepreneurs should have a technical or professional qualification

and relevant experience or training in the field of their proposed business venture.
Business Type: The scheme is applicable for small-scale industrial or business ventures
in the manufacturing, services, or trading sectors.
Application Process for Mahila Udyam Nidhi Yojana:
Application Form: Interested women entrepreneurs can download the application form
for Mahila Udyam Nidhi Yojana from the official website of SIDBI or obtain it from
designated financial institutions.
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Documents: Along with the filled application form, applicants are required to submit
supporting documents such as business proposal, project report, income proof,
educational qualification certificates, and other relevant documents as per the
requirements of the scheme.
Submission: The completed application form along with the supporting documents
should be submitted to the designated financial institutions or SIDBI offices as per the
guidelines of the scheme.
Loan Amount, Interest Rate, and Repayment Tenure:
Loan Amount: Eligible women entrepreneurs can avail loans up to Rs. 10 lakhs under
Mahila Udyam Nidhi Yojana.
Interest Rate: The interest rate for loans under this scheme is competitive and varies
depending on the prevailing rates and credit rating of the borrower.
Repayment Tenure: The repayment tenure for loans under this scheme can extend up to
10 years, including a moratorium period of 5 years.
Collateral Requirements:
As per the guidelines of Mahila Udyam Nidhi Yojana, no collateral or third-party

guarantee is required for loans up to Rs. 10 lakhs.
It's important to note that the scheme's current status, eligibility criteria, and application
process may be subject to change, and it's always recommended to refer to the official
website of SIDBI or contact authorized government officials for the most up-to-date and
accurate information about the Mahila Udyam Nidhi Yojana scheme.
 Benefits of Mahila Udyog Nidhi Yojana

 Promotes women entrepreneurs
 Increases employment opportunities in the tiny and small scale sectors
 Helps to meet the gap in equity
 Rehabilitates weak SSI units
 Expansion, modernization and technology upgradation of service industry.
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6. Orient Mahila Vikas Yojana Scheme
Honourable Prime Minister Shri Narendra Modi launched this scheme. Oriental Bank of
Commerce launched the scheme, women with an ownership of 51 percent share
capital individually or jointly in a proprietary concern can avail a loan through the
Orient Mahila Vikas Yojana. There is collateral required for loans between Rs.10
lakhs to Rs.25 lakhs. The repayment tenure of the loan is seven years. Orient Mahila
Vikas Yojana Scheme also provides a concession on the interest rate of up to 2
percent.
The Oriental Bank Of Commerce Has Two Schemes Designed For Self-Employed
Women And Who Want To Set Up A Beauty Parlor / Salon.
Scheme For Beauty Parlors / Boutiques:-The Scheme Aims To Promote

Entrepreneurial Spirit Among Women, And Provides Loans Up To Rs10 Lakh To Set
Up Salons, Boutiques, Sewing Centers Or Beauty Parlors. The Loan Amount Can Be
Used To Meet Any Expenses Associated With Setting Up Such A Center And Daily
Expenses.
Scheme For Self-Employed Women: This Loan Can Be Used To Purchase

Immovable Properties To Expand Or Start A Business. The Maximum Loan Amount
Is Limited To Rs5 Lakh, With A Repayment Period Of Between 5 And 7 Years.
 The main benefits of Orient Mahila Vikas Yojana with Dena Bank Business
Loan –
 Women entrepreneurs offered interest rate with a concession of 2%.
 Up To 25% discount on interest rate is available for women borrowers.
 Repayment tenure is flexible which Is 7 years.
 No collateral is required for this loan from Rs10 Lakh to Rs25 Lakh.
 Orient Mahila Vikas Yojana scheme interest rate, Orient Mahila Vikas Yojana
scheme features, Orient Mahila Vikas Yojana by Oriental Bank of Commerce.
 The loan details under Orient Mahila Vikas Yojana scheme
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Beneficiary:-Women who individually or jointly hold 51% share capital in a proprietary
concern.
Amount: - 10 Lakh to 25 Lakh.
Collateral Security: - Not Required.
Repayment Period: - 7 Years.
Interest: - Decided by the bank which depends on market value. Concession is given at an
interest rate of upto 2%.
7. Udyogini Scheme
The Udyogini Scheme is a women empowerment scheme launched by the Government of

India to promote entrepreneurship among women. The scheme is implemented by the
National Minorities Development and Finance Corporation (NMDFC) in collaboration
with State Channelizing Agencies (SCAs) and Non-Governmental Organizations
(NGOs). This scheme promotes and motivates women's entrepreneurship among the poor
by providing financial support to women. This scheme majorly supports and helps
illiterate women living in rural and backward areas.
Purpose: The scheme aims to provide financial assistance to women entrepreneurs from
the minority communities (including Muslims, Christians, Sikhs, Buddhists, Jains, and
Parsis) to start or expand their own business ventures.
Loan amount: The Udyogini Scheme provides loans ranging from Rs. 25,000 to Rs. 10
lakhs to eligible women entrepreneurs.
Interest rate: The interest rate on the loan is fixed at 6% per annum, which is significantly
lower than the prevailing market rates.
Repayment: The loan has to be repaid in a maximum period of 5 years, including a grace
period of 6 months for the start-up of the business.
Eligibility: The scheme is open to women entrepreneurs from minority communities who
are between 18 to 55 years of age and have a minimum educational qualification of Class
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VIII. The applicant should also have a viable business plan and adequate
collateral/security to cover the loan amount.
Application process: Interested women entrepreneurs can apply for the Udyogini Scheme
by submitting their loan application to the nearest SCA or NGO. The application should
be accompanied by the necessary documents such as identity proof, address proof, and
business plan.
The Udyogini Scheme is an excellent opportunity for women entrepreneurs from

minority communities to become self-employed and contribute to the economic
development of the country.
8. Pradhan Mantri Rozgar Yojana
PMRY is a past government scheme that was launched in 1993 and was administered by
the Ministry of Rural Development, Government of India. The objective of Pradhan
Mantri Rozgar Yojana (PMRY), one of the various government schemes for women,
is to provide opportunities of self-employment to the educated young people of the
country. The scheme provides the unemployed Indian youth a loan amount to
commence their personal business project and subsequently create scope of
employment for others.
Just a few of the approved business segments for which the government scheme
provides financial backup include manufacturing, trade, services, etc., you can avail a
loan up to Rs.1 Lakh without having to provide any collateral. The tenure for
repaying the loan ranges from 3 to 7 years.
Pradhan Mantri Rozgar Yojana (PMRY) is a government-funded employment generation

program in India aimed at promoting self-employment among the educated and
unemployed youth, with a particular focus on urban and rural areas.
Loan for Self-Employment: PMRY provides loans to unemployed youth to set up their
own enterprises. The scheme offers financial assistance in the form of term loans for
starting new projects or ventures in manufacturing, service, or business sectors.
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Subsidized Interest Rates: PMRY loans are provided at a subsidized interest rate, which
makes it more affordable for beneficiaries to repay the loan amount over the repayment
period.
Training and Skill Development: The scheme also focuses on providing training and skill
development programs to beneficiaries to enhance their entrepreneurial skills and
improve their chances of success in their chosen business or venture.
Margin Money Subsidy: PMRY provides margin money subsidy up to 15% of the project
cost, subject to a maximum limit, to reduce the upfront capital requirement for the
beneficiaries.
Collateral Security Waiver: PMRY does not require any collateral security for loans up to
a certain limit, making it more accessible for beneficiaries who may not have sufficient
collateral to offer.
Eligibility: The scheme is generally targeted towards educated unemployed youth

between the age of 18 to 35 years with a minimum qualification of 8th standard or above.
Repayment Period: The repayment period for PMRY loans generally ranges from 3 to 7
years, depending on the nature of the project and the loan amount.
9. Synd Mahila Shakti Scheme
Syndicate Bank has introduced a scheme known as the “Synd Mahila Shakthi
Scheme” with an aim to support women’s entrepreneurship development. Under this
plan, the bank offers financial backup to those women entrepreneurs and professionals
involved in small business, retail trade, or self-employed through its credit facilities.
The objective of this government scheme for women is to promote economic

empowerment of women by supporting them with business loans to meet their need
for working capital or expansion of business. You can initiate as well as modernize
your existing business by availing a loan of a maximum of Rs.5 Crores with a
concessional interest rate.
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The minimum interest rate is 10.25% which is applicable for loans up to Rs.10 Lakhs,
and no collateral is required. Concession is offered at 0.25% for loans above Rs.10
Lakhs, and there is no processing fee
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CHAPTER 3
OBJECTIVES OF STUDY
Objectives Of Study
 To Empowering women by providing financial supportto start and grow their

businesses.
 To Encouraging entrepreneurship among women and creating an ecosystem that
promotes innovation.
 To Creating employment opportunities for women entrepreneurs and other
 To Promoting gender equality by reducing disparities in acces to finance ,
resource , and opportunities.
 To Enhancing financial inclusion by providing tailored financial product and
services to meet the needs of women entrepreneurs.
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CHAPTER 4
Research Methodology
Research Methodology
Research methodology is the specific procedures or techniques used to identify, select,

process, an information about a topic. In a research paper, the methodology section
allows the reader to critically evaluate a study's overall validity and reliability.
When you’re working on your first piece of academic research, there are many different
things to focus on and it can be overwhelming to stay on top of everything. This is
especially true of budding or inexperienced researchers.
If you’ve never put together a research proposal before or find yourself in a position
where you need to explain your research methodology decisions, there are a few things
you need to be aware of.
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Once you understand the in's and out's, handling academic research in the future will be
less intimidating. We break down the basics below
A research methodology encompasses the way in which you intend to carry out your
research. This includes how you plan to tackle things like collection methods, statistical
analysis, participant observations, and more.
You can think of your research methodology as being a formula. One part will be how
you plan on putting your research into practice and another will be why you feel this is
the best way to approach it. Your research methodology is ultimately a methodological
and systematic plan to resolve your research problem.
In short, you are explaining how you will take your idea and turn it into a study, which in
turn will produce valid and reliable results that are in accordance with the aims and
objectives of your research. This is true whether your paper plans to make use of
qualitative methods or quantitative methods.
A research methodology encompasses the way in which you intend to carry out your
research. This includes how you plan to tackle things like collection methods,
statistical analysis, participant observations, and more.
Secondary research
Secondary research is a type of research that has already been compiled, gathered,
organized and published by others. It includes reports and studies by government
agencies, trade associations or other businesses in your industry.
In contrast, a secondary source of information is one that was created later by someone
who did not experience first-hand or participate in the events or conditions you're
researching. For the purposes of a historical research project, secondary sources are
generally scholarly books and articles.
Secondary needs are needs that are fulfilled after primary needs with the aim of
completing happiness. Derived from the Latin word 'secondary' which means second, this
need becomes the second priority after the primary needs
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Data collection
In many countries, governments have established various financial schemes to support

women entrepreneurs in starting or expanding their businesses. These schemes include
grants, loans, subsidies, and tax exemptions, among others.
Data collection related to these schemes can include various aspects such as:
1. Number of women entrepreneurs who have applied for and received the financial
support
2. The type and amount of financial support provided to women entrepreneurs
3. The success rate of women entrepreneurs who have received the financial support
4. The impact of the financial support on the growth and sustainability of women-led
businesses
5. The challenges faced by women entrepreneurs in accessing the financial support and
running their businesses Collecting data on these aspects can help governments and
policymakers understand the effectiveness of the finance schemes and make necessary
improvements to better support women entrepreneurs.
For example, the Indian government has launched several financial schemes for women
entrepreneurs such as the Annapurna Scheme, Stree Shakti Scheme, and Mudra Yojana
Scheme. The government collects data on the number of women entrepreneurs who have
benefited from these schemes, the amount of financial support provided, and the impact
on their businesses. Based on this data, the government has made improvements to the
schemes to better support women entrepreneurs.
Similarly, the Small Business Administration (SBA) offers various financing options for
women entrepreneurs, including loans, grants, and venture capital. The SBA collects data
on the number of loans and grants provided to women entrepreneurs, the amount of
money lent, and the success rate of women-led businesses. This data helps the SBA
evaluate the effectiveness of its programs and make improvements to better support
women entrepreneurs.
26 | P a g e
In conclusion, data collection is crucial in assessing the effectiveness of government
finance schemes for women entrepreneurs. Governments need to collect data on various
aspects of these schemes to evaluate their impact and make necessary improvements to
better support women-led businesses.
27 | P a g e
CHAPTER 5
Data Analysis & Interpretation
28 | P a g e
Data Analysis & Interpretation
This chapter deals with the data analysis and interpretation are central
steps in the research process. The goal of analysis is to summarize the collected
data in such a way that they provide answers to the question that triggered the
research. Interpretation is the search for the broader meaning of research
findings .this search has two major aspects. First, there is an effort to establish
continuity in social research through liking the results of the study with those or
another. Secondly, interpretation leads to the establishment of explanatory
concepts
1- Cross tabulation of Chi-square test among age, education, training and their
relation with empowerment of women entrepreneurs.
2- T-test shows Results of empowerment of women through pre and post

entrepreneurial condition of women entrepreneur.
.3– Empowerment of women entrepreneurship improvement Results
29 | P a g e
1). How many women entrepreneur startup from which ages ?
Characteristics Age Frequency(n = 100) Percentage (100%)
Below 25 11 11
25-50 79 79
Above 50 10 10
Age
Below 25 25-50 Above 50
10% 11%
79%
From the above table it can be analyzed that 79% (n= 79) respondents are from the age group of
25-50, 11% (n= 11) of respondents are from age group of below 25, 10% (n= 10) of respondents
are from the age group of above 50. So it can be seen that majority of the respondents belongs to
age group of 25-50.
30 | P a g e
2). How many women entrepreneur startup from which level of education?
Characteristics Education Frequency(n = 100) Percentage (100%)

Illiterate 01 01
Higher Secondary 07 07
Graduate 23 23
Post graduate 60 60
Professional degree 09 09
Education
1%
9% 7%
Illiterate
23% Higher Secondary

Graduate
Post graduate
60% Professional degree
According to education 60% (n=60) of respondents studied up post graduate level, 23%
(n= 23) of respondents are studied up to graduate level, 9%, (n= 09) of respondents
studied up to Professional level, 7% (n=7) of respondents studied up to higher secondary
level while 1% (n=01) of respondents studied up to Illiterate women level. So it can be
seen that majority of the respondents belongs to education group of Post graduate
31 | P a g e
3). How many women entrepreneur have they started the business and how many
year of Experience do they have ?
Characteristics Frequency(n = 100) Percentage (100%)

Experience
No experience 4 4
Less than 5 years 23 23
5-10 years 52 52
More than 10 years 21 21
Experience
4%
21%
23% No experience
Less than 5 years
5-10 years
More than 10 years
52%
52 %(n=52) of the respondents are having 5-10 year’s experience from related field, 23
%(n=23) of the respondents are having >5 year’s experience from related field while 21
%(n=21) of the respondents are having >10 year’s experience from related field while 4%
(n=04) of the respondents don’t have any experience from related field
32 | P a g e
4). What are the Marital Statuses of those who started the business in how
many women ?
Characteristics Marital Frequency(n = 100) Percentage (100%)

Status
Unmarried 22 22
Married 65 65
Widow 07 07
Divorcee 06 06
Marital Status
6%
7%
22%
Unmarried
Married
Widow
Divorcee
65%
65% (n=65) of respondents are married, 22% (n=22) of respondents are unmarried while
7% (n= 07) of respondents are widow and 6% (n= 06) of respondents divorcee.
5). How many women have they started business in which types of
Family ?
33 | P a g e
Characteristics Type of Frequency(n = 100) Percentage (100%)
family
Alone 4 4
Joint 48 48
Nuclear 48 48
Types Of Family
4%
Joint
Nuclear
48% Alone
48%
48% (n= 48) of respondents were living in nuclear family, 48% (n= 48) of respondents were
living in joint familywhereas4% (n= 4) of respondents were living alone.
34 | P a g e
6). Table showing after becoming entrepreneurs the general perception
of society among women entrepreneur.
Response Frequency Percentage
There is an increase in entrepreneur social status
Highly agree 41 41
Agree 36 36
Neutral 13 13
Disagree 04 04
Highly disagree 06 6
There is an increase in entrepreneur social status

6
4
Highly agree
13
Agree
41 Neutral
Disagree
Highly disagree
36
Social status
41% (n= 41) of the respondents are highly agree with the perception of society in
increase their social status,36% (n=36) of the respondents are agree with the perception
of society in increase their social status,13% (n=13) of the respondents are neutral with
the perception of society in increase their social status,6% (n=6) of the respondents are
highly disagree with the perception of society in increase their social status, while 4%
(n=4) of the respondents are disagree with the perception of society in increase their
social status.
35 | P a g e
There is an increase in entrepreneur economic status
Highly agree 45 45
Agree 30 30
Neutral 12 12
Disagree 7 7
Highly disagree 6 6
There is an increase in entrepreneur economic status

6%
7%
Highly agree
Agree
12%
Neutral
45% Disagree
Highly disagree
30%
E
conomic status
45% (n=45) of the respondents are highly agree with the perception of society in increase
their economic status,30% (n=30) of the respondents are agree with the perception of
society in increase their economic status,12% (n=12) of the respondents are neutral with
the perception of society in increase their economic status,6% (n=6) of the respondents
are highly disagree with the perception of society in increase their economic status, while
7% (n=7) of the respondents are disagree with the perception of society in increase their
economic status.
36 | P a g e
Entrepreneur family is getting neglected
Highly agree 04 4
Agree 03 3
Neutral 04 4
Disagree 37 37
Entrepreneur family is getting neglected

4% 3%
4%
Highly agree
Agree
Neutral
Disagree
52% Highly Disagree
37%
Family is getting neglected

52% (n=52) of the respondents are highly disagree with the perception of their family is
getting neglected,37% (n=37) of the respondents are disagree with the perception of their
family is getting neglected, 4% (n=4) of the respondents are neutral with the perception
of their family is getting neglected, 4% (n=4) of the respondents are highly agree with the
perception of their family is getting neglected, while 3% (n=3)of the respondents are
agree with the perception of their family is getting neglected after becoming an
entrepreneur.
37 | P a g e
There are relation problem in their family
Highly agree 23 23
Agree 21 21
Neutral 34 34
Disagree 10 10
There are relation problem in their family

12%
23%
Highly agree
10% Agree
Neutral
Disagree
Highly disagree
21%
34%
Relationship problem in family

34% (n=34) of the respondents are neutral with the perception of society in relationship
problem in family after becoming an entrepreneur,23% (n=23) of the respondents are
highly agree with the perception of society in relationship problem in family after
becoming an entrepreneur, 21% (n=21) of the respondents are agree with the perception
of society in relationship problem in family after becoming an entrepreneur, 12% (n=12)
of the respondents are highly disagree with the perception of society in relationship
problem in family after becoming an entrepreneur, while 10% (n=10) of the respondents
are disagree with the perception of society in relationship problem in family after
becoming an entrepreneur.
38 | P a g e
There are relation problem between couple
Highly agree 26 26
Agree 41 41
Neutral 25 25
Disagree 05 05
There are relation problem between couple

5% 3%
26%
Highly agree
Agree
25% Neutral
Disagree
Highly disagree
41%
Relationship problem between couple

41% (n=41) of the respondents are agree with the perception of society in relationship
problem between couple after becoming an entrepreneur,26% (n=26) of the respondents
are highly agree with the perception of society in relationship problem between couple
after becoming an entrepreneur,25% (n=25) of the respondents are neutral with the
perception of society in relationship problem between couple after becoming an
entrepreneur,5% (n=5) of the respondents are disagree with the perception of society in
relationship problem between couple after becoming an entrepreneur, while 3% (n=3) of
the respondents are highly disagree with the perception of society in relationship problem
between couple after becoming an entrepreneur.
39 | P a g e
Male ego is getting hurt
Highly agree 41 41
Agree 40 40
Neutral 02 02
Disagree 09 09

8%
9%
Highly agree
2%
Agree
41%
Neutral
Disagree
Highly disagree
40%

41% (n=41) of the respondents are highly agree with the perception of society in male
ego is getting hurt after becoming an entrepreneur,40% (n=40) of the respondents are
agree with the perception of society in male ego is getting hurt after becoming an
entrepreneur,9% (n=9) of the respondents are disagree with the perception of society in
male ego is getting hurt after becoming an entrepreneur,8% (n=23) of the respondents are
highly disagree with the perception of society in male ego is getting hurt after becoming
an entrepreneur.
While 2% (n=6) of the respondents are neutral with the perception of society in male ego
is getting hurt after becoming an entrepreneur.
40 | P a g e
Entrepreneur character looked down
Highly agree 6 06
Agree 4 04
Neutral 13 13
Disagree 35 35
Entrepreneur character looked down

6%
4%
Highly agree
13% Agree
42% Neutral
Disagree
Highly disagree
35%
Character looked down upon

42% (n=42) of the respondents are highly disagree with the perception of society in
character looked down upon after becoming an entrepreneur,35% (n=35) of the
respondents are disagree with the perception of society in character looked down upon
after becoming an 13% (n=13) of the respondents are neutral with the perception of
society in character looked down upon after becoming an entrepreneur,6% (n=6) of the
respondents are highly agree with the perception of society in character looked down
upon after becoming an entrepreneur, while 4% (n=4) of the respondents are agree with
the perception of society in character looked down upon after becoming an entrepreneur.
41 | P a g e
There is an increase fear of strong feminism
Highly agree 8 08
Agree 8 08
Neutral 5 05
Disagree 34 34
There is an increase fear of strong feminism
8%
8%
Highly agree
5% Agree
45% Neutral
Disagree
Highly disagree
34%
Fear of strong feminism

45% (n=45) of the respondents are highly disagree with the perception of society in fear
of strong feminism after becoming an entrepreneur,34% (n=34) of the respondents are
disagree with the perception of society in fear of strong feminism after becoming an
entrepreneur,8% (n=8) of the respondents are agree with the perception of society in fear
of strong feminism after becoming an entrepreneur,8% (n=8) of the respondents are
highly agree with the perception of society in fear of strong feminism after becoming an
entrepreneur, while 5% (n=5) of the respondents are neutral with the perception of
society in fear of strong feminism after becoming an entrepreneur

There is an increase fear of women dominating men
42 | P a g e
Highly agree 8 08
Agree 9 09
Neutral 6 06
Disagree 34 34
There is an increase fear of women dominating men

8%
9%
Highly agree
Agree
6% Neutral
43%
Disagree
Highly disagree
34%
Fear of women dominating men

43% (n=43) of the respondents are highly disagree with the perception of society in fear
of women dominating men,34% (n=34) of the respondents are disagree with the
perception of society in fear of women dominating men,9% (n=9) of the respondents are
agree with the perception of society in fear of women dominating men,8% (n=8) of the
respondents are highly agree with the perception of society in fear of women dominating
mean, while 6% (n=6) of the respondents are neutral with the perception of society in fear
of women dominating men.
Women empowerment is going against the law of nature
Highly agree 8 08
43 | P a g e
Agree 13 13
Neutral 00 00
Disagree 13 13

8%
13% Highly agree

Agree
Neutral
Disagree
13% Highly disagree
66%

66% (n=66) of the respondents are highly disagree with the perception of society in
women empowerment is going against the law of nature,13% (n=13) of the respondents
are disagree with the perception of society in women empowerment is going against the
law of nature,13% (n=13) of the respondents are agree with the perception of society in
women empowerment is going against the law of nature,8% (n=8) of the respondents are
highly agree with the perception of society in women empowerment is going against the
law of nature, while 00% (n=00) of the respondents are neutral with the perception of
society in women empowerment is going against the law of nature.
44 | P a g e
CHAPTER 6
CONCLUSIONS & FINDINGS
Conclusions & Findings
There is no one-size-fits-all conclusion or finding about government finance schemes

provided for women entrepreneurs based on their age, education, marital status, or family
status. However, some general observations can be made:
45 | P a g e
Older women entrepreneurs may face more challenges due to societal and cultural
norms, which may limit their access to education, financial resources, and networks.
Thus, government finance schemes targeted at older women entrepreneurs may focus on
providing access to training, mentorship, and financial support, while also addressing
barriers such as gender bias and discrimination.
Women entrepreneurs with higher levels of education tend to have better access to
financial resources, networks, and knowledge, which can enhance their chances of
success. Therefore, government finance schemes may focus on providing support for
education and training for women entrepreneurs with lower levels of education, while
also recognizing and supporting the achievements of highly educated women
entrepreneurs.
Married women entrepreneurs may face challenges in balancing their business and
family responsibilities, which can impact their success. Therefore, government finance
schemes may focus on providing support for women entrepreneurs who are married, such
as flexible working hours, child care facilities, and access to family-friendly policies.
Women entrepreneurs with dependent children may face challenges in managing their
business and caring for their children. Therefore, government finance schemes may focus
on providing support for women entrepreneurs with children, such as access to child care
facilities, mentoring programs, and financial assistance.
Overall, government finance schemes can play a vital role in supporting women
entrepreneurs of all ages, education levels, marital statuses, and family statuses. By
providing access to financial resources, training, networks, and supportive policies, these
schemes can help women entrepreneurs overcome barriers and achieve success in their
business ventures.
46 | P a g e
CHAPTER 7
Suggestions & recommendations
Suggestions & Recommendations
This past Mother’s Day came at a time of booming interest in entrepreneurship with 5.4
million people applying for small-business licenses last year a 53% jump from 2019,
47 | P a g e
before the pandemic. What’s more exciting is that according to one survey, women, and
no doubt many moms looking to provide for their families, led the way.
A mother and daughter we serve in our network are two of those women. They own a
tamales business in San Francisco that has expanded to a brick-and-mortar spot in a
community market. Another mother-daughter duo in El Borrego had the foresight to open
an outdoor beer garden in 2019. Two other women we serve used inspiration from their
mother’s recipes in their respective establishments. These women are providing for their
families and building thriving businesses, and they aren’t doing it on their own. They had
help from business coaches and community-based lenders who are mission-driven to help
business owners succeed.
Running a small business is challenging. Being an excellent baker sells cakes, but it
doesn’t necessarily mean you have expertise in human resources, accounting, marketing
finance and the myriad other skills it takes to build a successful business. A strong
entrepreneurial ecosystem is crucial for business owners to succeed—a fact that is truer
now that more new business owners are working their way through the challenging first
years of running a business.
A robust entrepreneurial ecosystem provides training and management skills, microloans,

and wider access to markets and networks coaching, capital and connections. Two
additional culture and climate (policy) make up the five of a strong entrepreneurial
ecosystem. Furthermore, such an ecosystem should be developed with local needs and
demographics in mind.
To celebrate this past Mother’s Day and the recent boom in entrepreneurship amongst
women. Many of whom are mothers, my team and I have identified five high-level,
systemic changes that will create a strong entrepreneurial ecosystem for women
entrepreneurs.
1. Women need coaching. The Senate should pass H.R. 6441, the Women’s

Business Centers Act. Introduced by Reps. Sharice David’s, D-Kan., and Claudia
Tenney, R-N.Y., and passed by the House on April 26, the act would reauthorize
the Small Business Administration’s Women’s Business Centers program and
48 | P a g e
pump an additional $13 million into its annual funding allotment. Established in
1988, the Women’s Business Center program supports a national network of
centers providing free and low-cost counseling and training to more
than 150,000 women entrepreneurs per year. They learn crucial skills like
marketing, business plan development, pricing strategies and more.
Recognize individual differences: While coaching can be beneficial for women,
it's important to recognize that each individual has unique needs and
circumstances. Avoid making assumptions about what all women need or what
will work for everyone.
Focus on empowerment: Coaching should be focused on empowering women to
achieve their goals, rather than trying to "fix" them or make them conform to
certain expectations or standards.
Address systemic barriers: While coaching can be helpful for individual women,
it's important to also address systemic barriers that may be preventing women
from reaching their full potential. This can include issues such as workplace
discrimination, gender-based violence, and unequal access to resources and
opportunities.
Use inclusive language: When discussing coaching for women, use inclusive
language that acknowledges the diversity of experiences and identities within the
group. Avoid making assumptions about gender identity, sexual orientation, race,
ethnicity, or other factors.
Ensure accessibility: Make coaching programs and resources accessible and
affordable for women of all backgrounds and income levels. This can include
offering scholarships or sliding-scale fees, providing online or remote coaching
options, and ensuring that coaching materials are available in multiple languages.
2. Women need capital. Women lag men in accessing capital, which is the fuel
for business growth. Research from the Urban Institute estimates that 4.4% of all
dollars lent to small businesses each year go to women-owned businesses. This
can lead to slower growth for these businesses and thus a smaller impact on the
larger economy.
49 | P a g e
3. Women entrepreneurs need more women venture capitalists. Women have
received only 7% of venture capital raised in the U.S. between 2010 and 2015.
This is not surprising since few VC women hear their pitches. Less than 10% of
decision-makers at the top 100 VC firms are women. Indeed, 74% of VC firms in
the U.S. do not have one woman investor. Change the funder, change the
emphasis on who is funded.
4. Women need connections to markets and other entrepreneurs. A business

needs clients to be successful, so connections to markets and business networks
are crucial. One clear way to boost market access for women business owners is
to ensure governments meet their contracting goals to women business owners.
Federal agencies have a statutory goal of awarding 5% of their contracts to
woman-owned small businesses, but fall short most of the time. Meeting the goal
would have enormous implications for women business owners.
5. Women need a more hospitable policy and regulatory climate. Women

entrepreneurs need policies and resources that remove barriers to success.
Government has the power to uplift new entrepreneurs through policies that create
a fair tax code, ease the permit process, ensure regulations don’t conflict and
invest in business development. Unfortunately, government regulations and
policies often favor larger businesses over smaller ones because the larger ones
exert more influence over policy. A positive regulatory approach is one that
promotes a healthy local economy that benefits businesses of all sizes.
The country needs women’s businesses to flourish. Despite the unfair lending
practices, lack of startup capital and the uneven playing field, in 2018, women-
owned businesses generated $1.8 trillion a year in the U.S. and employed more
than 10 million workers. Imagine how much more they could do if we created a
supportive, egalitarian entrepreneurial environment for them to shine in.
In honor of the recent Mother’s Day holiday, leaders in the greater financial
industry can support the hardworking mom entrepreneurs by helping to ensure
they have access to the capital and resources they need to ensure their businesses,
families and communities thrive. The world will be better for it.
50 | P a g e
51 | P a g e
CHAPTER- 9
BIBLIOGRAPHY
Bibliography
Secondary information was gathered from books and periodicals, websites.
52 | P a g e
 websites
 www.123helpme.com
 www.research.com
 www.mscw.ac.in
 www.studoca.com
 www.google.com
 www.forbes.com
53 | P a g e
CHAPTER -10
ANNEXURE
ANNEXURE
54 | P a g e
1. What is your age group?
a. Below 25
b. 25-50
c. Above 50
2. What is your educational attainment?
a. Elementary Graduate
b. High School Graduate
c. College Graduate
d. post-graduate
3. Have you ever heard of government finance schemes specifically designed for women
entrepreneurs?
a) Yes
b) No
4. Have you ever applied for any government finance schemes for your business?
a) Yes
b) No
5. How satisfied are you with the current government finance schemes for women
entrepreneurs?
a) Very satisfied
b) Somewhat satisfied
c) Neutral
d) Somewhat dissatisfied
e) Very dissatisfied
55 | P a g e
6. Do you think the eligibility criteria for these schemes are fair and transparent?
a) Yes, completely fair and transparent

b) Somewhat fair and transparent
c) Neutral
d) Somewhat unfair and opaque
e) Completely unfair and opaque
7. Have you faced any challenges while applying for government finance schemes for
your business?
a) Yes
b) No
8. How helpful have these schemes been in promoting the growth and success of your
business?
a) Extremely helpful
b) Somewhat helpful
c) Neutral
d) Not very helpful
e) Not at all helpful
9. Would you recommend these schemes to other women entrepreneurs?
a) Yes, definitely
b) Probably yes
c) Neutral
d) Probably no
e) No, definitely not
10. What changes do you think the government can make to improve the accessibility and
effectiveness of these schemes?
a) Simplify the application process

b) Increase awareness of the schemes among women entrepreneurs
c) Increase the funding amount available
56 | P a g e
d) Make the eligibility criteria more flexible
e) Other
11. Do you think the government should increase the amount of funding available for
these schemes?
a) Yes, significantly
b) Yes, somewhat
c) Neutral
d) No, somewhat
e) No, significantly
12. How important do you think these government finance schemes are for the overall
development of women entrepreneurs in the country?
a) Extremely important
b) Somewhat important
c) Neutral
d) Not very important
e) Not at all important
13. Have you ever heard of government finance schemes specifically designed for
women entrepreneurs?
a) Yes
b) No
57 | P a g e

Index: Priyadarshini Lokmanya Tilak Institute of Management Studies & Research, Nagpur

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Lokmanya Tilak Jankalyan Shikshan Sanstha

PRIYADARSHINI LOKMANYA TILAK

Women entrepreneurship is the process in which women initiate a business. In addition to

Women Entrepreneurship refers to business or organization started by a woman or group

Women entrepreneurs can be broadly categorized into five categories:-

♦ Affluent entrepreneurs – These are daughters and wives of wealthy businessmen.

 Government Policies and Programs:

Women Empowerment Schemes

Below we have provided a list of government schemes for women entrepreneurs:

1. Mudra Loan for Women

The government finance schemes for woman entrepreneurs are discussed in

1. Mudra Loan for Women

2. Annapurna Scheme

3. Stree Shakti Yojana

The scheme is designed to help women become self-reliant. Although it is primarily a

 The benefits of Stree Shakti Scheme.

 Under Stree Shakti Yojana, if a woman takes a loan of up to 5 lakh rupees, then

Stree Shakti Yojana will significantly increase the number of women entrepreneurs in

4. Dena Shakti Scheme

A combo of working capital and term loan

The repayment tenure is flexible as it can be lasting up to10 years

5. Mahila Udyam Nidhi Yojana

Collateral: As per the guidelines of the scheme, no collateral or third-party guarantee is

 Eligibility Criteria for Mahila Udyam Nidhi Yojana:

Qualification: Women entrepreneurs should have a technical or professional qualification

Application Process for Mahila Udyam Nidhi Yojana:

Loan Amount, Interest Rate, and Repayment Tenure:

As per the guidelines of Mahila Udyam Nidhi Yojana, no collateral or third-party

 Benefits of Mahila Udyog Nidhi Yojana

Scheme For Beauty Parlors / Boutiques:-The Scheme Aims To Promote

Scheme For Self-Employed Women: This Loan Can Be Used To Purchase

Amount: - 10 Lakh to 25 Lakh.

Collateral Security: - Not Required.

Repayment Period: - 7 Years.

The Udyogini Scheme is a women empowerment scheme launched by the Government of

The Udyogini Scheme is an excellent opportunity for women entrepreneurs from

8. Pradhan Mantri Rozgar Yojana

Pradhan Mantri Rozgar Yojana (PMRY) is a government-funded employment generation

Eligibility: The scheme is generally targeted towards educated unemployed youth

9. Synd Mahila Shakti Scheme

The objective of this government scheme for women is to promote economic

 To Empowering women by providing financial supportto start and grow their

Research methodology is the specific procedures or techniques used to identify, select,

statistical analysis, participant observations, and more.

In many countries, governments have established various financial schemes to support

2. The type and amount of financial support provided to women entrepreneurs

2- T-test shows Results of empowerment of women through pre and post

.3– Empowerment of women entrepreneurship improvement Results

Characteristics Age Frequency(n = 100) Percentage (100%)

Characteristics Education Frequency(n = 100) Percentage (100%)

23% Higher Secondary

Characteristics Frequency(n = 100) Percentage (100%)

Less than 5 years 23 23

More than 10 years 21 21

Characteristics Marital Frequency(n = 100) Percentage (100%)

Response Frequency Percentage

There is an increase in entrepreneur social status

There is an increase in entrepreneur social status

There is an increase in entrepreneur economic status

There is an increase in entrepreneur economic status

Response Frequency Percentage

Entrepreneur family is getting neglected