Professional Documents
Culture Documents
Rural and Women Enterpreneurship
Rural and Women Enterpreneurship
By Group No 4
Group Members
Ms. Wilma Ms. Vanishri Ms. Zenely Ms. Yashaswitha
Topics
Meaning of RE Need for RE Self Help Groups Problems of RE How to develop RE Meaning of WE
Functions of WE Problems of WE Growth and recent trends in WE How to develop women entrepreneurs
Wilma
Introduction
75% of the Indian population is living in rural areas Rural-urban dichotomy reveals wide disparities Agriculture has a tendency to develop at a lower pace than industry Industry leads to higher level of output than agriculture
Meaning
Rural entrepreneurship Entrepreneurship emerging in rural areas Establishing industrial units in the rural areas
Population
<10000
<=20000
Needs of SHGs
To mobilize the resources of the individual members for their collective economic development. To create a habit of savings. Utilization of local resources. To mobilize individual skills for groups interest. To create awareness about rights
To assist the members financially at the time of need. To identify problems, analyzing and finding solutions in the group. To organize training for skill development. To build up teamwork. To develop linkages with institutions of NGOs.
Membership
From one family, only one person can become a member of SHG The group normally consists of either only men or only women Members should be homogenous i.e. should have the same social and financial background Members should be between the age group of 21-60 years.
Functions of SHG
SAVING AND THRIFT All SHG members regularly save a small amount Savings first-Credit later should be the motto of every SHG member. SHG members take a step towards selfdependence when they start small savings.
INTERNAL LENDING The SHG should use the savings amount for giving loans members. The purpose, amounts, rate of interest, schedule of repayment etc. are to be decided by the group itself. Proper accounts to be kept by the SHG.
MEETING The group should meet regularly, the meetings should be weekly or at least monthly. Compulsory Attendance Membership register, minutes register etc. are to be kept upto date by the group by making the entries regularly. Commonplace
Planning - Plan to get financial supports from Government, Bank and NGO - Development programmes
Jnanavikasa women SHGs promotes women SHGs involving landless women in the villages Jnana vikasa SHGs Group enterprises SHGs Simple SHGs.
The products are sold under brand SIRI through out Karnataka.
Apart from all the above, SKDRDP is conducting various social awareness programmes like environment programmes, watershed development programmes, irrigation systems, adoption of alternative sources of energy, agriculture development programmes, religious festivals etc., for the benefit of the rural people. That is SKDRDP has single window solution to the beneficiaries for their daily life.
PROBLEMS OF RURAL ENTREPRENEURSHIP, ROLE OF THE GOVERNMENT IN RURAL ENTREPRENEURSHIP, HOW TO DEVELOP RURAL ENTREPRENEURSHIP
by, VANISHRI. P
Lack of technical know-how Lack of training & extension services Management problems Lack of quality control High cost of production due to high input cost Lack of communication & market information Poor quality of raw materials Lack of storage & warehousing facilities Obsolete & primitive technology Lack of promotional strategy
Inadequate flow of credit Use of obsolete technology, machinery, & equipment Poor quality standards Inadequate infrastructural facilities
Raw material is a must for any industry Finance Marketing Development programmes Education Awareness of facilities
By vanishri.
INTRODUCTION
After the liberalization of Indian economy, with the entry of multinationals, the competition has become intense. As a result urban markets have almost been saturated with the products. Bottom of the pyramid includes parties like Private enterprise, Civil society organizations and Local government, Development and aid agencies, BOP consumers, BOP entrepreneurs. After the liberalization of Indian economy, with the entry of multinationals, the competition has become intense in rural markets.
CHALLENGES
The government has critical role in creating system and regulatory framework for meaningful engagement by the Bottom of the Pyramid Entrepreneurs in the Bottom of the Pyramid (BOP) markets. Education and healthcare. Public sector banks in India government has provided banking services in remote rural areas also, Rural Credit institutions such as National bank for agriculture and rural development, Commercial banks, State cooperative banks, State cooperative agriculture and rural development banks. SHG. Government has to identify various rural technologies which can be applied and installed with small investment and minimum infrastructure that are available in rural areas.
Goals of sustainable economic development and generation of additional employment opportunities by way of promoting entrepreneurship and setting up of small rural industries. Providing training, sourcing of appropriate technology, microfinance and marketing. This will not only be a complete hand-holding support system, but also a self-sustaining system for poverty alleviation through rural empowerment. Need of technological skills. This will gainfully employ the unemployed unskilled, semi-skilled or skilled youth.
Medium- term loans: - for machinery etc - investments involves lower amount of capital - can repay in 5-8 years
Long term loans: - For high investment purpose - Collateral security is needed - Can repay in 20 years
Commercial banks
There are about 100 commercial banks. 51,595 branches of which 40 % were rural branches, semi urban 25 % and urban 19%, and metropolitan branches 16%. 40 % of the total advances must come from rural areas
Offer only short term loan Operate at state level with branches in rural areas The share holders and members are from district central cooperative banks It operates in district level and village level Financed by NABARD
Offer medium term and long term loans There 19 banks and 1219 branches Operating in village and district level There is no banking operations
There are 196 RRBs mainly to support agriculture Also called as grameen banks There are 6 metropolitan, 348 urban, 1875 semi urban
CONCLUSION
As Bottom of the Pyramid Entrepreneurs are more close to markets and have greater understanding of consumers, they are often far more innovative in developing products. They have been proved to be better in preserving local culture and often are more sensitive to environmental and ecological considerations.
Growth of women entrepreneurship Recent trends of women entrepreneurship How to Develop women entrepreneurship
Some facts
Women
Men
Literacy rate (55%) Literacy rate (77%) Work Work participation(28%) participation(52%)
Women account for only 5.2% of the total self employed persons in the country.
In India, Kerala is a state with highest literacy (including women literacy) Number of Womens industrial units in Kerala was 385 in 1981 and 782 in 1984
It was mainly due to proper education Financial, marketing and training assistance by state government Desire for social recognition One more state is Maharashtra
Women are increasingly participating in all spheres of activities The fact remains that women are excelling in academics, politics, administration, business and industry
The Government of India is assigning increasing importance to the development of women entrepreneurs The Sixth Five Year Plan is proposed for promoting female employment in women based industries
In the Seventh Five Year Plan a special chapter on Integration of women in development was added To treat women as specific target groups in all development programmes To diversify vocational training facilities to suit their needs
To promote appropriate technology to improve their efficiency and productivity To provide assistance for marketing their products To involve women in decision making process
Research has shown that women owned firms comprise between one-quarter and one-third of all the businesses
How to develop Women Entrepreneurship Women as specific target groups for all developmental programmes Better educational facilities and schemes from Government Adequate training programmes on management skills
Encouraging women participation in decision making Vocational training to women community with regard to production process and production management
Skill development programmes in womens polytechnics and industrial training institutes Training on professional competence and leadership skills Training and counseling on large scale to remove psychological fear
Counseling through aid of committed NGOs, Psychologists, Managerial experts and technical personnel to existing and emerging WE. Continuous monitoring and improvement of training programmes
Making provision of marketing and sales assistance from government State Financial Corporation and Financial Institutions should provide trade related finance The financial institutions should provide more working capital assistance
Repeated gender sensitation programmes to train financiers to treat women with dignity and respect Infrastructure in the form of industrial plots and sheds Industrial estates must provide marketing outlets for the display and sale of products made by women
Women Entrepreneurs Guidance Cell District Industries Centres must assist women in their trade Training in Entrepreneurial attitudes at college level through well designed courses
Conclusion
Independence has brought promise of equality of opportunity and laws guaranteeing for their equal rights in education and employment Unfortunately Government sponsored development activities have benefited only a small section of women. Majority are still unaffected by change & Development
Thank You