28.11.13 suresh phd final all in one...
TRANSCRIPT
APPENDICES
i
APPENDIX A-1
Questionnaire for Organized Business
I. Geographical Information & Personal profile
1. Geographical Information:
Village Name Population
Total number of families: Taluk: District
2. Personal profile:
Name of the member: Age (Completed years):
3. Period of association with SHG: ______________Years__________Months
4. Period of association with Shakti dealership:
__________Years________Months
5. Religion: Hindu/Christian/Muslim Caste: OC/BC/MBC/SC/ST
6. Marital status Married Unmarried
7. If married, occupation of the husband or Father’s occupation
Agriculture Farm worker Business Government Employee Private
Others (please specify)…………….
8. Number of members of the family: ____________
9. Number of dependent members of the family: __________
10. Educational status:
Illiterate
Literate
Primary
Middle School
Matriculate
Plus 2
Technically Qualified
Graduation & above
ii
11. Occupational status
Before joining Project Shakti
Unemployed Wage earners Assisting Husband’s Work
Others (please specify)…………….
12. Monthly income of the family (in Rs) __________
13. What type of support you got from the group
Loan Self employment Trading
Creates more awareness about business opportunities No Support
II. Financial Information
14. What is your initial investment?________(Rs. in Thousands)
15. What is the source of your capital?
! Own Funds
! Bank Loans
! Self Help Group loan
! Own funds and bank Loan
! Own funds and Self Help Group loan
! Bank and Self Help Group loan
! Local money lenders
16. How will you meet your working capital requirements?
Reinvest the profit earned
Bank Loans
Self Help Group loan
Bank and Self Help Group loan
Local money lenders
17. What is your average sales per month from Shakti Dealership?
______________(in Rs.)
18. What is your average profit per month from Shakti Dealership?
______________ (in Rs.)
iii
19. Possession of bank account
Before taking up Shakti dealership
After Taking up Shakti dealership
No Bank account
20. Indicate the frequency of regular savings
Sl. No. Frequency of Regular Savings
1 Monthly
2 Weekly
3 Fortnightly
III. Sales & Marketing Information
21. Do you engage male members in your business.? Yes No
a) If yes, State your relationship with male family member
Son Husband Father Father-in-law
Others (state relationship) ____________________
b) If yes, What is the contribution of a male family member to your
business?
Less than 10% 10 to 50% Above 50%
22. To whom you are selling the products?
Customer Retailer Both
23. How do you sell your products?
Door-to-Door only
Direct from home only
Retail outlets only
Door to door and direct from home
Door to door and retail outlets
Direct from home and retail outlets
24. From whom major sales contribution comes from? Customer Retailer
iv
25. What is your mode of sales?
a) For Customers Cash Credit Both
b) For Retailers Cash Credit Both
26. a) Number of villages covered by you. ______________
b) Number of shops covered by you. ______________
27. a) On an average what is the maximum distance covered by you or male
member daily_____ (in KMS)
b) What is your mode of transport
By Walk Own Bicycle Company Bicycle Two Wheeler
Auto/Van
28. a) Do you find any increase in sales? Yes No
b) If yes, What is the increased percentage compared to last year?
Less than 10% 10 to 20% Above 20%
29. What is the frequency of your orders?
Weekly Fortnightly Monthly Based on the requirement of the
product
30. What is your mode of Purchase ?
Cash Credit
31. How long you have to wait for the product supply?
2- 4 days one week More than one week
32. Are you dealing with additional products ( other than HUL products)?
Yes No If yes, what type of product ________________________
a. If you are selling additional product .Is it Through HUL. Yes No
33. What are the support you are receiving from company for facilitating the
product sales
a.________________________________________
b________________________________________
c.________________________________________
d.________________________________________
e.________________________________________
v
34. What type of other support you are getting from the company?
__________________________________________________
35. What is the other support you are expecting from the company?
________________________________________________
I V. Constraints & Problems Faced
State your level of agreement & disagreement with the problems faced in
your business.
Sl
noAttributes
Strongly
agreeAgree
Neither
agree
nor
disagree
DisagreeStrongly
Disagree
1 Other brands are threatfor my single brand
business
2 Difficult to manage for
working capital needs
3 Local shops are thethreats to my business
4 Lead time is high
5 Non availability ofproducts
6 Lack of effectiveness oftraining
7 The Product has nomarket
8 Loans are not sufficient
9 Low profit margin
10 Less support fromfamily
11 Lack of freedom to takedecisions in business
12 Lack of social mobilitybecause of restrictions
in the family
13 Availability of
duplicate products is a
major threat
vi
Sl
noAttributes
Strongly
agreeAgree
Neither
agree
nor
disagree
DisagreeStrongly
Disagree
14 Local brands are athreat to my business
15 Difficult to reach
nearby villages
16 Inadequate supportfrom the company
17 Less support from other
communities
18 Less support within thegroup
19 Less support from other
groups
20 Range of products veryless comparing to local
Shop
21 Difficulty in gettingpayments from
customers
22 Difficulty in getting
payments fromRetailers
V. Where do you place yourself on the ladder before and after joining project
Sakthi on the following dimensions?
(Use the ladder given alongside for each dimension in response before and
after the project put ladder number for each dimension)
Very High " 5
High " 4
Moderate " 3
Low " 2
Very Low " 1
vii
Sl.
NoStatements Before After
A Confidence building
1
2
3
Confidence to talk within the family
Confidence to talk in SHG meeting
Confidence to talk in public
B Self esteem
1
2
3
4
Self image in the family
Self image in community
Self reliance/independence
Feeling of security (Economic/general)
C Decision making pattern
1
2
3
4
Education of children
Family planning
Buying and selling land, property and
household goods
Family and social functions
D Capacity building
1
2
3
4
Ability to take risk
Ability to understand and solve problems
Ability to try new ventures
Ability to accept criticism
E Psychological aspects
1
2
Attitudinal Change
Imbibing Values
3 Personality Development
F Social empowerment
1
2
3
4
Team spirit
Communication skills
Assertiveness
Participation in group activities
viii
VI. Impact of Assessment of Project SuccessState your level of agreement with the following statements
Sl
No.Statements
Strongly
agreeAgree
Neither
agree
nor
disagree
DisagreeStrongly
Disagree
1 I could Manage businessindependently
2 Television advertisementsfacilitates my HUL productsales.
3 I am considered as a pioneerin introducing the latestproducts.
4 I am a well informed person.
5 These days I am not havingdifficulty in sourcing thecash.
6 I assist my family membersthrough my entrepreneurialskills.
7 I need not consult myfamily members for minorpersonal decisions.
8 My husband and familymembers consult me beforethey take importantdecisions.
9 I need not depend on myfamily members for meeting
small personal expenses.
10 I am confident that I canmingle with others andspeak comfortably in public.
11 I am confident of acceptingleadership roles in public
programmes.
12 I am capable of opening abank account and I amaware of banking
Formalities.
13 I reinvest my profits fromShakti dealership for further
development of my business.
14 I have wide opportunities tointeract with others
15 Overall I am satisfied withthe business
ix
APPENDIX A2
Questionnaire for Unorganized Business
1. Geographical Information:
Village Name Population
Total number of families: Taluk: District
2. General profile:
Name of the member: Age (Completed years):
3. Period of association with SHG: ______________Years__________Months
4. Period of association with manufacturing/trading:__________Years________Months
5. Religion: Hindu/Christian/Muslim Caste: OC/BC/MBC/SC/ST
6. Marital status Married Unmarried
7. If married, occupation of the husband or Father’s occupation
Agriculture Farm worker Business Government Employee Private
Others (please specify)…………….
8. Number of members of the family: __________________
9. Number of dependent members of the family: __________
10. Educational status:
Illiterate
Literate
Primary
Middle School
Matriculate
Plus 2
Technically Qualified
Graduation & above
11. Occupational status
Before starting a business
Unemployed Wage earners Assisting Husband’s Work
Others (please specify)…………….
12. Family monthly Income_____________ (in Rs.)
x
13. What type of support you got from the group
Loan Self employment Trading
Creates more awareness about business opportunities No Support
14. What is your initial investment? ________ (Rs in Thousands)
15. What is the source of your capital?
! Own Funds
! Bank Loans
! Self Help Group loan
! Own Funds and Bank Loans
! Own Funds and Self Help Group loan
! Bank and Self Help Group loan
! Local money lenders
16. How will you meet your working capital requirements?
Reinvest the profit earned
Bank Loans
Self Help group loan
Bank and Self Help Group loan
Local money lenders
17. What is your average sales per month from your business?
______________ (in Rs.)
18. What is your average profit per month from your business ?
______________ (in Rs.)
19. Possession of bank account
After joining SHG
Before joining SHG
No Bank account
20. Indicate the frequency of regular savings
Sl. No. Frequency of Regular Savings
1 Monthly
2 Weekly
3 Fortnightly
xi
21. Are you getting family support for your business?
Yes No
a) If Yes, state the relationship
Son Husband Mother/Mother-in law Others
b) Mention the contribution of supporting member. Less than 10% 10 to 50% Above 50%
22. To whom you are selling the products?
Customer Retailer Both
23. How do you sell your products?
Door-to-Door only
Retail outlets only
From shops and to retail outlets
Direct from home and retail outlets
24. From whom major sales contribution comes from?
Customer Retailer
25. What is your mode of sales?
a) For Customers Cash Credit Both
b) For Retailers Cash Credit Both
26. a) Number of villages covered by you. ______________
b) Number of shops served by you. ______________
27. What is the frequency of your orders?
Weekly Fortnightly Monthly Based on the requirement of the
product
28 What is your mode of Purchase ?
Cash Credit
29. What is the contribution of branded FMCG sales? ( in %)______________
If the contribution is low state the reason.
Low demand Non availability/ Poor supply
High price of the product Low margin
Any other reason (please specify)_________________
xii
30. Do you find any increase in sales of branded goods comparing to last year
About the same Marginal increase Considerable Increase
31. Mention the number of brands sold over a period of time for the following
category.
Product category During business
start-up
One year before At present
Toilet Soap
Detergent
Shampoo
Skin Care
Biscuits
Confectionery
32. Where do you place yourself on the ladder before and after starting business on
the following dimensions?
(Use the ladder given along side for each dimension in response before and after
the business put ladder number for each dimension)
Very High " 5
High " 4
Moderate " 3
Low " 2
Very Low " 1
Sl.
No.Statements Before After
A Confidence building
1
2
3
Confidence to talk within the family
Confidence to talk in SHG meeting
Confidence to talk in public
B Self esteem
1
2
3
4
Self image in the family
Self image in community
Self reliance/independence
Feeling of security (Economic/general)
C Decision making pattern
1
2
3
4
Education of children
Family planning
Buying and selling land, property and
household goods
Family and social functions
xiii
D Capacity building
1
2
3
4
Ability to take risk
Ability to understand and solve
problems
Ability to try new ventures
Ability to accept criticism
E Psychological aspects
1
2
Attitudinal Change
Imbibing Values
3 Personality Development
F Social empowerment
1
2
3
4
Team spirit
Communication skills
Assertiveness
Participation in group activities
33. State your level of agreement & disagreement with the problems faced in yourbusiness
Sl
No.Attributes
Strongly
agreeAgree
Neither
Agree
Nor
Disagree
DisagreeStrongly
Disagree
1 Difficult to manage for working
capital needs.
2 Non availability of
products/raw materials
3 Lack of effective training by
Government / NGOs
4 The Product has no market
5 Loans are not sufficient
6 Low profit margin
7 Less support from family
8 Lack of freedom to take
decisions in business
9 Lack of social mobility because
of restrictions in the family
10 Difficult to reach nearby
villages
11 Less support from other
communities
12 Less support within the group
13 Less support from other groups
14 Difficulty in getting payments
from customers
xiv
34. State your level of agreement with the following statements
Sl
NoStatements
Strongly
agreeAgree
Neither
Agree
Nor
Disagree
DisagreeStrongly
Disagree
1 I could Managebusinessindependently
2 My innovativeselling techniques/products facilitatessales
3 I am considered as apioneer in introducingthe latest products
4 I am a well informedperson
5 These days I am nothaving difficulty insourcing the cash
6 I assist my familymembers through myentrepreneurial skills
7 I need not consultmy family membersfor minor personaldecisions
8 My husband andfamily membersconsult me beforethey take importantdecisions
9 I need not depend on
my family members
for meeting smallpersonal expenses.
10 I am confident that I
can mingle with
others and speakcomfortably in public
11 I am confident of
accepting leadership
roles in publicprogrammes.
xv
Sl
NoStatements
Strongly
agreeAgree
Neither
Agree
Nor
Disagree
DisagreeStrongly
Disagree
12 I am capable of
opening a bank
account and I am
aware of banking
formalities
13 I reinvest my profits
for further
development of my
business
14 I have wideopportunities tointeract with others
15 Overall I am satisfiedwith the business
xvi
AP
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xix
APPENDIX-C
DETERMINATION OF SAMPLE AREA FOR UNORGANIZED
BUSINESS SHG MEMBER
DISTRICT
Average Individual
member savings
( in Lakhs)
Average group
Savings
(in Lakhs)
Dharmapuri 0.0382 0.6109
Kanniyakumari 0.0403 0.6444
Karur 0.0416 0.6662
Krishnagiri 0.0429 0.6860
Madurai 0.0429 0.6869
Nagapattinam 0.0516 0.8252
Namakkal 0.0531 0.8490
Pudukkottai 0.0612 0.9793
Ramnad 0.0616 0.9856
Thoothukudi 0.0670 1.0721
Tirupur 0.1083 1.7325
Original data Source: Tamil Nadu Corporation for Development of Women (2012)
Group savings State average 0.6102 lakhs
Individual member savings state average 0.0381 lakhs
Criteria used for selection of districts :Above the State Average
Total Number of districts selected within Tamil Nadu State:11
xx
DISTRICT WISE SAMPLE BREAK-UP
DISTRICT No. of Respondents
Dharmapuri 32
Kanniyakumari 36
Karur 35
Krishnagiri 34
Madurai 38
Nagapattinam 34
Namakkal 29
Pudukkottai 32
Ramnad 30
Thoothukudi 31
Tirupur 31
Total 362
xxi
APPENDIX - D
1. Photographs of Organized Business SHG Members
xxii
2. Photographs of Unorganized Business SHG Members
xxiii
xxiv
APPENDIX- A3
Vernacular Questionnaire for Organized Business
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APPENDIX- A4
Vernacular Questionnaire for Unorganized Business
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