TRAINING ON BUSINESS PLANNING FOR RETURNEE MIGRANTS

Objective of training:
Collaborate with TOMCOM and IOM to provide training to returnee migrants in business development
and financial management, to enable them to start their own businesses.
Background:

NWWT is operationalizing MRC and related services for returnee migrants in Telangana in three districts:
Hyderabad, Nizamabad, and Jagtial. To provide orientation training to men and women on business
development and financial management to start their own businesses is one of the objectives. To fulfill
it, business planning training for returnee migrants were organized in Hyderabad, Nizamabad, and
Jagital districts.An agenda was prepared with help from IOM Consultancy staff at Hyderabad and
finalized after a consultation ( Annexure 1).

For organizing the training, MRC field staff during their field visits, community meetings, and house-to-
house visits have identified the returnee migrants who are interested in starting businesses for self-
employment. The NWWT Chairperson and MRC Coordinator and field staff liaised and coordinated with
the District Employment Officers of three districts for cooperation and support in organizing the
business planning training for returnee migrants, inviting various government departmental officials and
bank officials, and making training arrangements. (To election code of conduct in Telangana state and
audit in departments DRDA and Minority/SC/ST corporation other officials could not participate in the
training).

The business training meeting was initiated in collaboration with IOM and TOMCOM etc. as a
collaborative approach with the aim of facilitating and promoting business among returnee migrants
workers with the skills acquired in the process of migration. The collaborative approach will help them
certify their skills and, with financial assistance, start a self-employment program and enhance their
financial situations. The returnee migrants who worked as cooks, tailors, beauticians, etc. have various
opportunities to improve and certify their skills and start their own business. The tailors could have
production units such as uniforms, dressmaking, blouses, peticoat making, etc., as needed by the
market. Similarly, the cooks can open their own tiffin centers, snack centers, lunch centers, evening tiffin
shops, etc. based on the needs of the market. The beauticians also have scope to improve their business
with the present need of people for party make-up at weddings, birthdays, wedding anniversaries,
events, etc.

Need for training:

Gulf migrants workers returned due to various reasons like retirement, lesser wages paid than promised,
completion of a contract or visa, cheating in the hands of agents who promised one kind of job but
landed either without any job or a labor, etc. It is not possible for the government to provide them with
suitable jobs or employment. Local conditions in rural areas provide them with seasonal agriculture
work; in Hyderabad urban areas, they work either as domestic workers or doing tailoring, etc. for
livelihood; however, the majority of them are otherwise unemployed, and their financial condition is
very poor, making it difficult to run their families, making them desperate to find ways to migrate and
take debts from local money lenders.

1
However, these migrant workers bring with them experience, expertise, and skills; hence, there is a
need to make sure that these returnee migrants are guided towards self-employment initiatives through
business training which supports them with livelihood opportunities in the native town or villages.

Details:
After briefing about purpose and objective of training, participants self introduction and types of
business wants to do, they also shared country of departure, nature of work done, years of work and
reasons for return were discussed. Country of departure were Kuwait, UAE and Soudi Arebia were
engaged in labour work, domestic work, electrician, plumbing, mason, lift operator, agriculture worker,
driving, cleaning, store keepers etc. Reasons for return was retirement, less wages paid than promised
was difficult to survive there, contract over, etc. Business they wanted to start were tailroring/garments
making, cloth shops, beauty parlour, tuition centre, furniture shop ,catering, Mee Seva Centre, fertilizers
shops, leather bags shop, fruit shops, dairy form or buffalos for milk business, plumbing materials shops,
centring materials shops, own car and auto buying, super market and grocery shops etc.,

The participants were asked to make the best use of the opportunity for attentive listening, participation
in the meeting, clarifying doubts, and finding possibilities to seek help and realize their dream of starting
a business of their own.

Dates of training:
Sl District Date of training Total Women Men
participants
1 Hyderabad 7-10-2023 40 30 10
2 Jagtial 30-11-2023 54 0 54
3 Nizamabad 2-11-2023 50 0 50
4 Hyderabad 4-11-2023 26 26 0
Total 160 56 114

Types of business proposed by returnee migrants:

Sl Type of business Hyderabad Jagtial Nizamabad
No. Women No. Men No. Men No. Men
1 Tailoring/ Garment 19 0
making
2 Beauty parlour 8 0
3 Catering 2 0
4 Grocery Shops/Super 5 2 27 15
markets
5 Hotel 1 0 2
6 Medical shop 2 0
7 Mee-Seva 2 0 2
8 Cloths and Sarees 8 1
business
9 Electronics shop 1 3
10 Cosmetics 1 0

2
11 Physiotherapist 1 0
12 Fruits business 1 1
13 Travel Agency& Hijama 0 1
Herbal Medicine
Business
14 Tailoring Material Shop 0 1

15 Leather Bags Business 0 1

16 Buffalos /milk business 1

17 Dairy farm 2
18 Plumbing/sanitary
works materials shop
19 Roof centring materials 3
shop
20 Car /Auto 2 11 9
21 Tuition centre 2
22 Furniture shop 1 1
23 Electrical shop 1
24 Fertilizer shop 5 5
25 Paints shop 1
26 Tea stall 3
27 Weilding shop 1 1
28 Xerox shop 1
29 Bangles business 1
30 Bricks business 2
31 Hard ware business 3
32 Vegetables business 1
(Annexure 2)

Officials from the industries department, labor department, employment department, national academy
of construction, government sector banks, cooperative sector banks, and NGO representatives
participated in the training and trained participants on various kinds of topics like Pradhan Matri
Employment Guarantee Program (PMEGP), Pradhan Matri Viswakarma Yojana, bank loan eligibility,
range of loans for various businesses, documents required for applying for loans, process,terms and
conditions for loan sanctions, interest and repayment mode, subsidy, etc. Further, it was explained
about the importance of skill training for self-employment and overseas employment, overseas
opportunities for skilled and semi-skilled workers, etc.

List of officials ,resource persons participated in the training:

SL Name Designation Department/Organisation District

1 Sr. Lissy Joseph Chair Person NWWT Hyderabad
2 Ms. Suchita Archariya Banks Mentor Bharatiya Yuva Shakthi Hyderabad
Trust (BYST)

3
 3 Mr.Anil Kumar Field Coordinator Bharatiya Yuva Shakthi Hyderabad
Trust (BYST)
4 Ms. Farzana SHG Community SHG Hyderabad
Leader
5 Ms. Arifa Jahan Garments making SETWIN Hyderabad
trainer
6 Mr. Ashish Fellow MGNF Hyderabad
7 Ms.Ruth Fellow MGNF Hyderabad
8 Mr. Sivateja Reddy Field Officer SBI Jagtial

9 Mr.Sreenivas Field officer Gayathri Cooperative Jagtial

Bank
10 Dr. Trilok Chandan Consultant IOM Hyderabad
11 Mr. Prabhakar Assistant Director NAC Nizamabad
12 Mr.Tulasidas Assistant Director Industries department Nizamabad
13 Ms. Sudha Rani Branch Manager SBI (Shivajinagar) Nizamabad
14 Mr. Yaswinth Administrative Labour Department Nizamabad
assistant
15 Mr.Rohit Field officer Gayathri Cooperative Nizamabad
Bank
16 Mr.Sreenivas DEO District Employment Nizamabad
Department
17 Mallikharjun Career skill District Employment Nizamabad
counsellor Department
18 B.Jalaja Consultant IOM Hyderabad
19 Ms. Community Leader Hyderabad
20 Mr.Hanumanthu Assistant Director Industries department Hyderabad
21 Ahamad Community leader Hyderabad
22 Mr.M.Sreenivas Field officer Gayathri Bank Jagtial
23 Mr.Pramod Project Officer GMR(CSR) Jagtial
24 Field officers SAFA and Jahana NGOs Hyderabad

Details of loan support & other services available under government schemes/departments and
Banks:

Pradhan Matri Employment Guarantee Program (PMEGP): Under this scheme for manufacturing,
service, and trade promotion of businesses based on the type of business and loan amount under
various categories like PMEGP, UDAYAM, and MSME, loans are sanctioned. An online application with
an Aadhar card, a Pan card, bank account details, education and skill certificates, and a project report
need to be submitted. (If project report writing support is required from the industries department, Rs.
500/- fees need to be paid.) The Industries Department will process the applications, verify their verified
and forward them to banks for loan sanctioning process initiation. The applicant needs to submit the
required documents to the bank for sanction of the loan. Up to Rs. 10,00,000 in collateral-free loans are
sanctioned. 25% is given as a subsidy, and a 75% loan needs to be repaid with a 9/% interest rate. Once
the loan is sanctioned after physical verification by bank officials, 50% of the amount is directly paid to
vendors for the purchase of machinery and materials, and the remaining 50% is given to the applicant

4
for materials and other arrangements. Persons above 18 years are eligible, for project report
preparation and support Rs.500/- charged it has to be paid during online registration.

PMEGP is a central sector scheme administered by the Ministry of Micro, Small and Medium Enterprises
(MSME). At the national level, the Scheme is being implemented by Khadi and Village Industries
Commission (KVIC), a statutory organization under the administrative control of the Ministry of MSME
as the single nodal agency.
At the State level, the Scheme will be implemented through State KVIC Directorates, State Khadi and
Village Ind ustries Boards (KVIBs) and District Industries Centers (DICs) and banks.
The Government subsidy under the Scheme will be routed by KVIC through the identified Banks for
eventual distribution to the beneficiaries / entrepreneurs in their Bank accounts.
Objectives

 To generate employment opportunities in rural as well as urban areas of the country through
the setting up of new self-employment ventures/projects/micro enterprises.
 To bring together widely dispersed traditional artisans! rural and urban unemployed youth and
give them self-employment opportunities to the extent possible, at their place.
 To provide continuous and sustainable employment to a large segment of traditional and
prospective artisans and rural and urban unemployed youth in the country, so as to help arrest
migration of rural youth to urban areas.
 To increase the wage-earning capacity of workers and artisans and contribute to an increase in
the growth rate of rural and urban employment.

Eligibility

 Individuals above 18 years to 60 years

 VIII Std. pass required for project above Rs.10.00 lakhs in manufacturing and above Rs. 5.00
lakhs for Service Sector
 Assistance under the Scheme is available only to new units to be established.
 Maximum project cost of Rs. 25.00 lakhs in manufacturing sector and Rs. 10.00 lakhs in Service
Sector.

Follow-up action plan: MRC staff are supporting returnee migrants in their PMEGP loan online
application, process with the industries department and banks for required document submission, and
initiate business. It is targeted that 60 applications will be submitted for PMEGP loans and followed up
before November 27th.

Government Banks: Bank officials explained the SBI loan procedures and the benefits of SBI loans; he
also explained the MUDRA loans, street vendor’s loans, and vehicle loans. He explained the differences
between private banks and government banks; he informed them that private banks will take huge
interest on the loans, whereas government banks charge a lower interest rate. They also shared about
the skill training provided by SBI for youth.

Follow up action: MRC field staff in Jagtial supporting returnne migrants in applying for MUDRA bank
loans and general business loans.

5
Minorities Corporation: For self-employment for Muslim minorities, the corporation will sanction a Rs.
1,00,000 loan for various kinds of businesses, which is 100% subsidy. Twice a year, online applications
are invited, and after verification and approval, the loan amount is deposited or a check is given to the
applicant.

Follow-up action plan: MRC field staff have supported 5 Muslim women and 1 men for online
submission of loan applications for various kinds of businesses like tailoring, garment making, etc. After
the completion of the Telangana state assembly elections and the withdrawal of the code of conduct,
applications will be submitted to minority corporations ( from December 23 onwards).

Formation of returnee migrant women who wants to do business into SHGs and linking them to
Municipality for loans.

Gayathri Cooperative Bank shared that farmers with a minimum of 3 acres of land are given loans for
business and agriculture purposes. For one acre of land, a one lakh rupee loan is given once every six
months, and the installment has to be paid with interest. For those who do not have land, collateral
loans against the house up to Rs. 5,00,000/- are given. Interested candidates can submit applications to
the bank for verification and approval.

Bharatiya Yuva Shakti Trust:

Bharatiya Yuva Shankti Trust (BYST) was started in 1991 as a non – profit organization which primarily
assists disadvantaged Indian youth to develop business ideas into viable enterprises under the guidance
of a mentor the main idea being assisting job seekers become job creators. TBYST renders assistance to
young underprivileged aspirants who wish to set up or develop their own businesses, this assistance
includes finance, and professionally advance training, education and guidance till the venture stabilize.
The youth from disadvantaged communities who have no sources of funding but has a sound,
imaginative business idea and above all the will and determination can succeed with help from BYST
which will also help with process in availing loans from National Banks.

Free support Services:

 Rs. 1 lakh to 50 lakh loan facilitation through nationalised Banks without Collateral / Guarantee
(T&C Apply), Counselling & Entrepreneurship Training,Mentoring Support

Criteria: Age 18 to 35 years, Manufacturing, Services & Retail Trades,Business (New Start-up /
Expansion)

Documents required for applying for bank loans: Trade registration certificate or MSME certificate 2.
Aadhar card 3. Pan card 4. Photos 5. Address proof ( property tax or rental agreement) 6. Quotations
from vendors for machines and materials 7. Bank account 8. Details of proposed location of shop
/tailoring unit9. Education certificate etc.

Skill upgradation: The NAC Director shared about free training's at NAC and the value of the NAC
certificate in Gulf countries for getting jobs and better payment. In Nizamabad district, Bheemgal village,
250 returnee migrants were identified; 200 were given training in NAC; and 150 went back to Gulf
countries again for employment and are getting double the salary compared to their previous salaries.

6
Also shared were the importance of labor cards for construction works and the E-shram card for all
those who are eligible.

One of the returnee migrant participants, Anil, who got trained at NAC in plumbing, wants to start his
own plumbing materials business in his own village. According to him, due to the increase in
construction work, he is able to earn Rs. 35,000 to Rs. 40,000 in his own village, and he does not want to
go back to the Gulf.

Follow-up action plan: List out who is interested in getting trained at NAC (2 persons from Nizamabad
and 2 persons for TIDES Heavy Vehicle Training). Will be followed up by MRC field staff for NAC training
interested candidates.

Employment Department and TOMCOM:Shared about job recruitment in local through job melas,
within Telangana through registering in the state employment portal, they can get information about
various kinds of jobs and vacancies; for national level recruitment, national level registration gives them
information about country-level opportunities; and for overseas recruitment, TOMCOM is taken up. She
also shared about recent job openings in the UAE for various kinds of semi-skilled worker positions and
suggested MRC staff collect returnee migrants details from all villages with the support of participants as
volunteers to keep as a database for overseas recruitment.

Discussion and information about the various skill training programs of the government of Telangana
and Union government were also shared. The government has initiated various training progrtammes
for youth at every district. The educated unemployed youth could register themselves at the
employment exchange and wait for the opportunity. Those willing to join the skill training could
approach the District Employment officer at each district or meet with various training center officials.
They also shared about the possibilities of linking up with Sam bhavan, Flipkart, Amazon etc. to find
job or market for their products in the local or international markets. Zomoto and Big Basket companies
has now female delivery service girls, the company offers very good package with bonus for young
people.

Also shared spoke about NIRD (National Institute of Rural Development) located in Rajendra Nagar,
Hyderabad, which gives training on Millet cultivation and training in preparing health friendly dishes.
Today’s world looks for organic cultivation. This is an opportunity for those seeking inventive businesses.
There were also Industrial Courses in Musheerabad which are available for public. At NSTI (National Skill
Training Institute) located at Vidhyanagar, has provision for training and hostel facilities for men and
women and should be taken advantage off.those interested could visit the institutes and have a first
hand experience.

Labor Department: The Labour Department has shared information about the process of getting labor
cards, the documents required, the benefits of having a labor card, and the importance of renewing
once every 5 years with nominal fees of Rs. 60/-.

Some of the Gulf returnee migrants whose names were removed from their white ration cards, which
are mandatory for registering for labor, are facing problems. Applications for inclusion of names have
been submitted to the GP and at Mee Seva, but there is no use. They were suggested to get a letter from
the GP secretary stating that the person has permanently returned from the Gulf and request to include

7
their name in their ration card and submit the letter along with their application to MRO for verification;
however, it takes time for the inclusion of names.

One returnee who has a valid labor card for his wife's delivery benefit submitted all the required
documents to the department eight months ago, but there has been no response. It was suggested that
he visit the office, and the labor office would help him process the claim.

NGO /CSR representatives from SAFA and GMR also participated and shared about various skill training
and employment initiatives. SETWIN staff also shared about importance of skill training, various courses
available importance of skill certificate for jobs or self employment etc.

Challenges:

1. Elections Code of Conduct for Officials Participation in Training and Processing Loan Applications
for Miniroty, SC/ST Corporations
2. In Hyderabad, most of the returnee migrant workers live in rented houses, and the frequency of
house changes is high, and credit repayment history of the families is very poor which is a risk
factor for bankers.
3. Returnee migrants in Hyderabad who have business plans are not comfortable PEMGP rules like
50% of loan amount will directly go to vendors, they want 100% loan amount in their hands.
4. Women are not interested in joining SHG groups which gives them credit and business loans.

Details of MRC staff participated:

SL Name Designation District

1 Mr. M.D Sufi MRC Coordinator Hyderabad
2 MS.Faliha MRC field staff Hyderabad
3 Ms.Renuka MRC field saff Hyderabad
4 Mr. M. Sudharshan MRC field staff Jagtial
5 Mr. K. Shankar MRC field staff Jagtial
6 Mr.Sayanna MRC field staff Nizamabad
7 Mr.C.Mohan MRC field staff Nizamabad
8 Sister Rosy Helpline Coordinator Hyderabad
9 J.Kishore Help line Counselor Hyderabad
10 Bhanu Prakash Help line Counselor Hyderabad
11 Hyma Accounts officer Hyderabad
12 Afsa Begum Help line Assistant Hyderabad

Photo Gallery:
Hyderabad Training:

8
Jagtial training:

9
Nizamabad Training:

Business plans of participants:

10
Media coverage in Telugu news papers:

Nizama

11