25221105 rural and women enterpreneurship

7/31/2019 25221105 Rural and Women Enterpreneurship

1/60

By

Group No 4


2/60

Ms. Wilma

Ms. Vanishri

Ms. Zenely

Ms. Yashaswitha


3/60

Topics

Meaning of RE

Need for RE

Self Help Groups

Problems of RE

How to develop RE

Meaning of WE


4/60

Functions of WE

Problems of WE

Growth and recent trends in WE

How to develop women entrepreneurs


5/60

Rural Entrepreneurship & Self

Help Groups

By

Wilma


6/60

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


7/60

Meaning

Rural entrepreneurship

Entrepreneurship emerging in rural areas

Establishing industrial units in the rural

areas


8/60

Meaning of rural industry

KVIC GOVERNMENT

Population


9/60

Need for Rural entrepreneurship

To provide Employment

To reduce disparities in income between

rural and urban areas

To promote balanced regional

development

Promote creativity Economic development in rural areas

Environment friendly


10/60

Self Help Groups

SHG is a small group of rural poor, who havevoluntarily come forward to form a group forimprovement of the social and economic status of themembers.

The concept underlines the principle of Thrift, Creditand Self Help.

Members of SHG agree to save regularly andcontribute to a common fund.

The members agree to use this common fund andsuch other funds (like grants and loans from banks),which they may receive as a group, to give small loansto needy members as per the decision of the group


11/60

Needs of SHGs

To mobilize the resources of the individualmembers for their collective economicdevelopment.

To create a habit of savings. Utilization of local resources.

To mobilize individual skills for groups

interest. To create awareness about rights


12/60

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.


13/60

Membership

From one family, only one person canbecome 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.


14/60

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 self-dependence when they start small

savings.


15/60

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.


16/60

MEETING

The group should meet regularly, themeetings should be weekly or at least

monthly. Compulsory Attendance

Membership register, minutes register etc.

are to be kept upto date by the group bymaking the entries regularly.

Commonplace


17/60

Discussing problems

- Find solutions

Planning

- Plan to get financial supports from

Government, Bank and NGO- Development programmes


18/60

SKDRDP (Sri Kshethra

Dharmasthala RuralDevelopment Project)

Established by Dr. D. Veerendra Heggade

Launched in the year 1982

Upliftment of rural poor


19/60

Major types of SHG

Pragathibandhu Model (Male groups)

Partner for progress

Labor sharing each member works for all the members

once in a week


20/60

Jnanavikasa women SHGs

promotes women SHGs involving landlesswomen in the villages

Jnana vikasa SHGs

Group enterprises SHGs

Simple SHGs.


21/60

Shree Dharmasthala SIRI

Gramodyoga Samsthe Backbone to SHG

The products are sold

under brand SIRI

through outKarnataka.


22/60

Apart from all the above, SKDRDP isconducting various social awareness

programmes like environmentprogrammes, watershed developmentprogrammes, irrigation systems,adoption of alternative sources ofenergy, agriculture developmentprogrammes, religious festivals etc.,for the benefit of the rural people.

That is SKDRDP has single windowsolution to the beneficiaries for theirdaily life.


23/60

PROBLEMS OF RURAL

ENTREPRENEURSHIP,

ROLE OF THE GOVERNMENT IN RURAL

ENTREPRENEURSHIP, HOW TO

DEVELOP RURAL ENTREPRENEURSHIP


24/60

Problems of rural entrepreneurship


25/60

ACCORDING TO THE NINTH PLAN


26/60

How to develop rural ENTREPRENEURSHIP


27/60


28/60

INTRODUCTION

After the liberalization of Indian economy, withthe entry of multinationals, the competition has becomeintense. As a result urban markets have almost beensaturated with the products.

Bottom of the pyramid includes parties likePrivate enterprise, Civil society organizations andLocal government, Development and aid agencies,BOP consumers, BOP entrepreneurs. After the

liberalization of Indian economy, with the entry ofmultinationals, the competition has become intense inrural markets.


29/60


30/60

The government has critical role in creating system and regulatoryframework for meaningful engagement by the Bottom of thePyramid Entrepreneurs in the Bottom of the Pyramid (BOP)markets.

Education and healthcare.

Public sector banks in India government has provided bankingservices in remote rural areas also, Rural Credit institutions suchas National bank for agriculture and rural development,Commercial banks, State cooperative banks, State cooperativeagriculture and rural development banks.

SHG.

Government has to identify various rural technologies which canbe applied and installed with small investment and minimuminfrastructure that are available in rural areas.


31/60

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, micro-finance 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.


32/60

Type of credit for investment

Short term loan:

-for 18 months

- working capital loan given to industrialestablishments

- usually without any collateral security


33/60

Medium- term loans:

- for machinery etc

- investments involves lower amount of capital- can repay in 5-8 years


34/60

Long term loans:

- For high investment purpose

- Collateral security is needed- Can repay in 20 years


35/60

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


36/60

State cooperative banks

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


37/60

State cooperative agricultural and rural

development banks

Offer medium term and long term loans

There 19 banks and 1219 branches

Operating in village and district level

There is no banking operations


38/60

Regional rural banks

There are 196 RRBs mainly to support

agriculture

Also called as grameen banks

There are 6 metropolitan, 348 urban, 1875

semi urban


39/60

As Bottom of the Pyramid Entrepreneurs aremore close to markets and have greater understandingof consumers, they are often far more innovative indeveloping products. They have been proved to be

better in preserving local culture and often are moresensitive to environmental and ecologicalconsiderations.


40/60

Growth of women entrepreneurshipRecent trends of women

entrepreneurship

How to Develop womenentrepreneurship

By

Ms.Yashaswitha

Reg.No 0816119


41/60

Growth of Women Entrepreneurship

Regarded as the better half of the society


42/60

Some facts

Women

Literacy rate (55%)

Work

participation(28%)

Men

Literacy rate (77%)

Work

participation(52%)


43/60

Women account for only 5.2% of

the total self employed persons in

the country.


44/60

In India, Kerala is a state with highestliteracy (including women literacy)

Number ofWomens industrial units in

Kerala was 385 in 1981 and 782 in

1984


45/60

It was mainly due to

proper education

Financial, marketing and trainingassistance by state government

Desire for social recognition

One more state is Maharashtra


46/60

Recent trends in Women Entrepreneurship

Women are increasingly participating in all

spheres of activities

The fact remains that women are excellingin academics, politics, administration,

business and industry


47/60

The share of women owned

enterprises in America is continuously

rising

1975-85 was declared as the Decade for

Women by United Nations


48/60

The Government of India is assigningincreasing importance to the development

of women entrepreneurs

The Sixth Five Year Plan is proposed forpromoting female employment in women

based industries


49/60

In the Seventh Five Year Plan a specialchapter on Integration of women in

development was added

To treat women as specific target groups inall development programmes

To diversify vocational training facilities to

suit their needs


50/60

To promote appropriate technology toimprove their efficiency and productivity

To provide assistance for marketing their

products

To involve women in decision making

process


51/60

Research has shown that women ownedfirms comprise between one-quarter and

one-third of all the businesses


52/60

How to develop Women Entrepreneurship

Women as specific target groups for alldevelopmental programmes

Better educational facilities and schemes

from Government

Adequate training programmes on

management skills


53/60

Encouraging women participation indecision making

Vocational training to women

community with regard to production

process and production management


54/60

Skill development programmes in womenspolytechnics and industrial training

institutes

Training on professional competence andleadership skills

Training and counseling on large scale to

remove psychological fear


55/60

Counseling through aid of committedNGOs, Psychologists, Managerial experts

and technical personnel to existing and

emerging WE. Continuous monitoring and improvement of

training programmes


56/60

Making provision of marketing and salesassistance from government

State Financial Corporation and Financial

Institutions should provide trade relatedfinance

The financial institutions should provide

more working capital assistance


57/60

Repeated gender sensitation programmes totrain financiers to treat women with dignity

and respect

Infrastructure in the form of industrial plotsand sheds

Industrial estates must provide marketing

outlets for the display and sale of productsmade by women


58/60

Women Entrepreneurs Guidance Cell

District Industries Centres must assist

women in their trade Training in Entrepreneurial attitudes at

college level through well designed courses


59/60

Conclusion

Independence has brought promise ofequality of opportunity and lawsguaranteeing for their equal rights ineducation and employment

Unfortunately Government sponsoreddevelopment activities have benefited onlya small section of women. Majority are still

unaffected by change & Development


60/60

Thank You

25221105 rural and women enterpreneurship

Documents