ANNUAL REPORT 2011-12

ANDHRA PRADESH BANKERS INSTITUTE OF RURAL AND ENTREPRENEURSHIP DEVELOPMENT

RAJENDRA NAGAR, HYDERABAD 500 030

Phone : 040-20026350/51

email : apbireddirector@yahoo.com

website : www.apbired.org

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GOVERNING BODY OF THE INSTITUTE

(As on 31 March, 2012)

PRESIDENT

Sri B. A. Prabhakar,

CHAIRMAN AND MANAGING DIRECTOR, ANDHRA BANK

HEAD OFFICE, HYDERABAD.

VICE PRESIDENT

Sri R. Subrahmanyam, I A S,

PRINCIPAL SECRETARY,

PANCHAYATRAJ AND RURAL DEVELOPMENT DEPARTMENT,

GOVERNMENT OF ANDHRA PRADESH, HYDERABAD.

VICE PRESIDENT

Sri P. Mohanaiah,

CHIEF GENERAL MANAGER, NABARD

A P REGIONAL OFFICE, HYDERABAD

MEMBER

Sri R. Rajan,

GENERAL MANAGER, CANARA BANK

CIRCLE OFFICE, HYDERABAD

MEMBER

Sri G N Hegde,

GENERAL MANAGER (RBD), INDIAN BANK,

HEAD OFFICE, CHENNAI

MEMBER

Sri M. Lakshmi Narayana,

GENERAL MANAGER, INDIAN OVERSEAS BANK,

REGIONAL OFFICE, HYDERABAD

MEMBER

Sri Ganesh Pai,

GENERAL MANAGER, STATE BANK OF HYDERABAD

HEAD OFFICE, HYDERABAD

MEMBER

Sri Sadashiv Leeladhar,

DEPUTY GENERAL MANAGER, CORPORATION BANK,

ZONAL OFFICE, HYDERABAD.

MEMBER – SECRETARY

Sri B. Narendranath Reddy,

GENERAL MANAGER, ANDHRA BANK ,

HEAD OFFICE, HYDERABAD

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1. Introduction

The 157th meeting of State Level Bankers Committee held on 07 March 2006

resolved to establish a State Level Training Institute, namely Andhra Pradesh

Bankers Institute of Rural and Entrepreneurship Development (APBIRED).

Accordingly the Andhra Pradesh Bankers Institute of Rural and

Entrepreneurship Development (APBIRED) has been established jointly by the

Government of Andhra Pradesh, National Bank for Agriculture and Rural

Development (NABARD) and five leading Public Sector Banks working in the state

viz. Andhra Bank, Canara Bank, Indian Bank, Indian Overseas Bank and State Bank

of Hyderabad. Later, Corporation Bank joined the sponsors in October 2008. The

institute is functioning in a rent free leased premises provided by GOAP at old home

science complex, Rajendra Nagar, Hyderabad, since inception.

The Institution was inaugurated by the then Chief Minister of Andhra Pradesh, late

Dr.Y.S.Rajasekar Reddy on 09 October 2007. The institute, first of its kind in the

country, is registered as a not for profit society under Andhra Pradesh Societies

Registration Act, 2001 with a paid up corpus of Rs.5.00 crore. Initially, the corpus

fund was shared by the sponsors in the ratio of 25:25:50 by the Government of

Andhra Pradesh, NABARD and five Public Sector Banks. Later, Corporation Bank,

on its joining the sponsors, contributed an amount of Rs.50 lakh to the corpus. Thus

the paid up corpus of the institute as on date is Rs.550 lakhs and the ratio got

modified to 23:23:54.

The aims and objectives of the institute is to impart capacity building /

entrepreneurship development training and:

i to identify, orient, motivate, train, encourage and assist the unemployed rural/urban youth to take up self employment as alternative career;

ii To promote rural/urban entrepreneurship and nurture entrepreneur talents. iii To conduct research, experiments, technology transfer in agriculture

and allied activities to farmers.

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iv To take up capacity building to rural women and promote women empowerment;

v To train rural level workers in various aspects of rural development; vi To take up Event Management for sale of products developed by

entrepreneurs, Counseling and project consultancy. vii To arrange for Exhibitions of the products prepared by the trainees, for

marketing; viii To do other acts and carry on such other activities as are necessary

and incidental for the effective implementation and due fulfillment of the objectives of the society as the Governing Body may decide from time to time.

During the year 2011-12, a total of 41 Programmes were conducted under thirteen

programme titles covering 750 candidates; taking the cumulative to 149 programmes

and 3429 participants. The programmes were conducted both In-Campus (33) and

on-location (8). The emphasis was given more on achieving excellence through

improvements in programme quality and practical training, making the trainee fit for

the market by the end of the course module.

2. Training and capacity building

The State Government and the banks operating in the state have recognized the

significance of training as an important tool in enhancing Knowledge, Skill and

attitude among rural youth, members of SHGs and farmers for fostering income and

employment generation in rural areas. The APBIRED has been set up to meet these

requirements and design new and improved training and capacity building

programmes in tune with the changing needs. The institute provides free boarding

and lodging facilities to the trainees; besides reimbursing the to and fro travelling

charges to the trainees from their residence to the training centre.

The institute announces schedule of training programmes well in advance and

solicits nominations for eligible candidates from the Controlling Offices and

branches of commercial Banks, Regional Rural Banks, the State cooperative bank

and the District Central Cooperative Banks, the District Rural Development

Agencies, the Integrated Tribal Development Agencies, the District Water

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Management Agencies working in all districts in the state, the Lead District

Managers, the District Development Managers of NABARD and select NGOs who

had actively sponsored the candidates for the earlier trainings. Most of the

candidates were sponsored by the bank branches, LDMs, DRDAs, ITDAs, DDMs

and PMU in-charges of NABARD, Welfare Departments of GoAP and NGOs etc.

The methodology followed for training is class room sessions that include lectures,

case exercises, case studies, interactions, audio visual aids, talks by subject matter

experts as also field visits. A practical approach to the participants is presented at

APBIRED. The participants are also taken to the industrial / manufacturing houses

for greater in sight in to the subject and understanding the practical issues.

Marketing aspects and soft skills are also covered extensively both in the class

room sessions and by organizing filed visits to the different markets.

These programmes were organized both In-Campus and on-location contributing to

the capacity building of unemployed rural youth, members of women SHGs and

farmers from various districts of the State. In case of programmes conducted for

unemployed rural youth, the focus has been on imparting skill in the identified activity

along with entrepreneurship development skills. Generally, the duration of the

programmes has been six weeks.

During the year 2011-12, in all, 41 Programmes were conducted for educated

unemployed rural youth with a participation of 750 trainees (average 18 per

programme). The livelihood activities conducted in-house included regular

programmes like – 1. Tailoring and fashion design, 2. Basic Electronics and Mobile

Servicing, 3. PC Hardware & Networking, 4.M S Office (using MS OFFICE 2010

software), 5. Saree Printing, Maggam Works & Zardosi and Advanced Programmes

like 1. Laptop servicing and chip level technology, 2. Livestock management for

voluntary veterinary workers, 3. Customized rural EDP and 4.Advanced DTP

including Photoshop and coral draw; 5.Specialised programme on Networking,

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6. Micro Irrigation Technician, 7. Wood Carpentry and 8. Domestic Electrician with

specialization either in white goods or agricultural pumpset repair.

On location Programmes

The eight on-location programmes included three tailoring programmes for rural

SHG Women - conducted at Huzurabad, Jammikunta and Mulakanur in Karimnagar

district with the support and collaboration of Pratap Educational Society (NGO),

Huzurabad; KVK, Jammikunta and Mulakanur Rural Cooperative Bank respectively.

Similarly the two on-location programmes on Maggam works for SHG women were

conducted at Tadepalligudem, west Godavari district ( in collaboration with Satyasai

Seva Samiti) and Penugonda, Ananthapur district ( in collaboration with Myrada,

Kadiri). A programme each was conducted in -wooden carpentry for rural women at

Sivunipally, Warangal district ( in collaboration with PRESS, a local NGO); - PC

hardware for rural men at Kadiri, Ananthapur district ( in collaboration with MYRADA)

and – domestic electrician with focus on agricultural pumpset repair for rural men at

Jagarajupalli, Ananthapur district ( in collaboration with Mangalakara Educational

Society). These eight on-location programmes have covered 191 trainees; of whom

147 were women and 44 were men.

The category-wise coverage details of trainees, programme-title, gender and

location-wise are furnished in the following table.

Batch

No. Name of the Programme

No of

progr

amm

es

Category-wise break up of participants

SC ST BC Mino

rities

Othe

rs

Tot

al

Gender/

Location

*

District

s

1 Mobile servicing 5 24 5 35 4 18 86 Gents 11

2 3 0 1 0 0 4 ladies 2

2 M S OFFICE 5 24 17 42 4 4 91 Gents 10

2 19 0 19 1 4 43 ladies 7

3 Advanced programme on

Computer Networking 1 2 0 12 0 4 18 gents 6

4 Desk Top Printing 2 3 2 5 1 2 13 Gents 7

6

Desk Top Printing 1 4 1 3 0 0 8 ladies 5

5 Zardosi and maggam works for SHG women 2 6 1 6 7 18 38

Ladies

OLP 2

1 4 0 2 0 0 6 Ladies 2

6 Advanced Tailoring and Fashion design for SHG women

3 21 0 58 4 8 91 Ladies

OLP 1

2 9 5 21 0 2 37 Ladies 8

7 Micro Irrigation Technician

4 24 21 37 0 8 90 Gents 9

8 Laptop repair 1 7 1 13 0 2 23 Gents 12

9 PC Hardware and basics of Networking

3 14 0 32 3 5 54 Gents 11

1 2 0 10 1 4 17 Gents

OLP 1

10 Wood Carpentry for SHG women 1 13 0 5 0 0 18

Ladies

OLP 1

11 Voluntary veterinary

worker (BAIF) 1 7 0 5 0 4 16 Gents 3

12 Domestic Electrician 2 6 1 11 0 1 19 Gents 6

1 10 1 15 0 1 27 Gents

OLP 1

13 Customised Rural EDP for SHG women

1 2 0 36 1 12 51 Ladies 2

Total 41 204 55 368 26 97 750 22

*Unless indicated as OLP (on location programme), programmes are conducted in the institute premises at Rajendra Nagar

Out of total 750 participants, 296 participants (39 %) were women. The gist of

gender-wise and category-wise details of participants is furnished in the following

table:

Trainee category Women/

Men

Number of Participants

SC ST BC Minorities Others Total

Unemployed Rural Youth

Women 81

(28%) 7 (2%)

151 (51%)

13 (4%) 44

(15%) 296

(39%)

Men

123 (27%)

48 (10%) 217

(48%) 13 (3%)

53 (12%)

454 (61%)

Total 204

(27%) 55 (7%)

368 (49%)

26 (4%) 97

(13%) 750

(100%)

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The share of trainees belonging to weaker sections at 87 percent, reflects the spirit

of socio- economic upliftment of weaker and vulnerable sections of the society by

Institute through provision of capacity building for attaining sustainable livelihood by

rural entrepreneur with emphasis on rural self employment.

The training programmes designed at the institute are based on the needs of the

market, preparing the trainees with the requisite skill and attitude. The main idea

behind designing the programmes is to keep pace with the ever-changing rural

economic scenario and cater to the emerging needs of the rural communities. Before

finalising the activities and schedule of the training programmes, client feedback and

views are elicited from banks, civic organisations and development departments of

State Government. Suggestions were also sought from participants and other

stakeholders regarding new Courses / activities that could be included in the

programme calendar as well as on the contents, design and coverage of existing

programmes. New programmes are designed based on participant’s feedback

obtained as a part of the end-course evaluation of every programme. The views of

Governing Body and Administrative Committee are also kept in view while designing

the programmes. Accordingly, the following programmes as presented below, were

designed, improved and conducted during the year:

S. No.

Activity

Female

Male Total

Programme

s

Participants

Programm

es

Participants

Programm

es

Participants

1 Mobile servicing 2 4 5 86 7 90

2 M S Office 2 43 5 91 7 134

3 Networking 0 0 1 18 1 18

4 DTP 1 8 2 13 3 21

5 Zardosi/Maggam works

3 44 0 0 3 44

6 Fashion design/ Advanced tailoring

5 128 0 0 5 128

7 Micro Irrigation technician

0 0 4 90 4 90

8 Laptop repair 0 0 1 23 1 23

9 P C Hardware 0 0 4 71 4 71

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10 Wood Carpentry 1 18 0 0 1 18

11 Voluntary vet worker 0 0 1 16 1 16

12 Domestic Electrician 0 0 3 46 3 46

13 Rural EDP 1 51 0 0 1 51

GRAND TOTAL 15 296 26 454 41 750

3. Settlement of trained candidates:

This is the key performance indicator of the performance of the institute. During the

year 2011-12, out of the 750 trainees trained by the institute 580 trainees have been

settled through both self and wage employments. While 339 of them were employed

by various agencies on wage employment, 241 trainees have started their own self

employment enterprises. Most of these self employment units have started as micro

enterprises, mostly with own savings, family contributions and self help group loans

obtained by the family members. The institute is making efforts to credit link these

enterprises with bank credit, resulting in 76 trainees getting a bank loan of

Rs.8,25,000 for establishment of their own units during the year. With this, a total of

1912 trainees were settled through the hand holding efforts of the institute out of

3429 trained since inception. The settlement of trainees, activity-wise is furnished in

the following table:

S

NO

PROGRAMME

TITLE

NO OF

PROGS

TOTAL

TRAINED

WAGE

EMPL

SELF

EMPL

TOTAL

SETTLED

% settl

On location Programmes:

1 Advanced

Tailoring and

fashion design

3 91 2 69 71 78

2 Zardosi and

Maggam works

2 38 3 31 34 89

3 Wood

carpentry

1 18 0 12 12 66

4 PC hardware 1 17 0 15 15 88

5 Domestic 1 27 0 20 20 74

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Electrician

Sub-total 8 191 5 147 152 79

In-campus programmes:

1 Advanced

tailoring and

fashion design

2 37 0 8 8 22

2 Zardosi and

Maggam works

1 6 0 3 3 50

3 PC hardware 3 54 30 18 48 89

4 Domestic

Electrician

2 19 6 13 19 100

5 Mobile

servicing

7 90 41 26 67 74

6 M S Office 7 134 123 0 123 91

7 Net working 1 18 1 5 6 33

8 DTP 3 21 17 4 21 100

9 MIT 4 90 90 0 90 100

10 Laptop repair 1 23 10 7 17 73

11 VVW (BAIF) 1 16 16 0 16 100

12 Customized

REDP

1 51 0 10 10 9%

Sub total 33 559 334 94 428 76

Grand total 41 750 339 241 580 77

4. Faculty and Infrastructure

Effectiveness of any training institution depends largely on the knowledge and skills

of resource persons. APBIRED lays considerable importance on enlisting the

support of specialized organizations, institutions and individuals. The institute has

taken location advantage and taken the support from various institutions available in

the area.

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4.1. The institute is not having any permanent faculty members on its roles. It is

presently using the services of resource persons/subject matter specialists, available

on its network roster based on specific needs of individual programmes. In addition,

the Officers on deputation from sponsor banks have also provided faculty support for

different programmes organized by the institute during the year under reference.

4.2. Infrastructure

At present the institute is housed in renovated buildings of old Home Science

Buildings given on five years rent free lease by the AMR-APARD, at Rajendra

Nagar, Hyderabad. The following facilities are presently available for conduct of in-

house training programmes.

four lecture halls sufficient to conduct training simultaneously for 100 trainees

at a time.

Five hostel blocks and one more renovated building for stay of nearly 100 to

110 trainees at a time.

One visiting faculty residential quarter

One administrative office.

One library quarter/store room

One kitchen/dining hall.

5. Administrative and Other Matters 5.1. Governing Body: The overall management of the affairs the APBIRED vests with Governing Body. The

Governing Body carryout the overall administration and management of the institute.

The constitution of the Governing Body is as follows:

1. Chairman, SLBC, Andhra Pradesh : President

2. Principal Secretary, Rural Development, Govt. of AP : Vice-President

3. Chief General Manager, NABARD, AP Regional Office : Vice-President

4. one nominee from each of the Sponsor Banks (5) : Members

5. The Convener of SLBC and GM, Andhra Bank : Member-Secretary

During the year, the Governing Body met twice on 30th July 2011 and 18th February

2012.

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5.2. Local Administrative Committee

The Local Administrative Committee looks after the general functioning of the

institute in all the matters. The constitution of present Local Administrative

Committee is presented in the table overleaf.

S No Name of the representative

1 Deputy General Manager, State Bank of

Hyderabad

Chairman

2 Secretary of the APBIRED Member

3 Commissioner, AMR-APARD Member

4 Asst General Manager, Canara Bank Member

5 Asst. General Manager, Indian Overseas Bank Member

6 General Manager, NABARD Member

7 Asst General Manager, Indian Bank Member

8 Director of the APBIRED Member,

Convener

During the year, the local administrative committee met four times on 29th

September 2011, 18th November 2011, 20th January 2012 and 29th March 2012.

5.3. Management of the Institute:

The institute is headed by the Director, Sri P. N. Satya Prasad, Deputy General

Manager, on deputation from NABARD. The Director is ably supported by three

Assistant Directors, S/Shri V Nagesh, Senior Manager, Indian Overseas Bank; G N

S R Sastry, Senior Manager, Indian Bank and B Rama Chandra Rao, Senior

Manager, Andhra Bank. While Canara Bank and SBH are yet to depute their

officials, in place of the repatriated officers, Corporation Bank is yet to depute its

officer as Assistant Director to the Institute.

6. Finance & Accounts

During the year 2011-12, the institute has received an amount of Rs.125.346 lakh

from interest on deposits, contributions from sponsors towards recurring expenditure

and other sources. As against this, it has incurred an expenditure of Rs.89.990 lakh

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towards recurring expenditure and an amount of Rs.4.976 lakh towards capital

expenditure. A table depicting the gist of financial activities during the financial year

2011-12 is summarised hereunder:

Income

S.No. Particulars Amount (Rs.lakh)

1 Interest on investments including interest on SB account 52.979

2 Contribution received from SPONSORS* 71.992

3 Miscellaneous Income 0.375

Total 125.346

Expenditure

S.No. Particulars Amount (Rs.lakh)

1.1

Direct trainee related expenditure ( including mess/faculty

remuneration/ class room material/ TA paid to trainees and

other direct trainee related expenses)

59.130

1.2 Infrastructure and maintenance expenditure indirectly

benefitting the trainee other than depreciation 23.385

1.3 Depreciation 4.725

1.4 Adminstrative expenses and others 2.750

1 Total recurring expenditure 89.990

2

Expenditure incurred on creation of fixed assets for the

institute including deposits made with utility services during

the year

4.976

Total expenditure of the institute during the year 2011-12 94.966

*each sponsor contributes 10% of the approved recurring expenditure of the institute.

M/s S Surya Prakasa Rao & Co, chartered accountants, 16-11-740/9/32,

Dilsukhnagar, Hyderabad- 500060 have audited the books of accounts of the

institute for the Year 2011-12. A copy of their report together with the Balance

sheet, income and expenditure statement, receipts and payments statement,

together with Notes on accounts is appended to this report.

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7. VISION AND MISSION OF THE INSTITUTE

The vision of the institute is:

“To emerge as a Centre of reference for information, knowledge and valued opinion

related to entrepreneurship development”

The mission of the institute is

“To strengthen the entrepreneurship among rural youth, capacity building of farmers

,members of SHGs and rural artisans through capacity building training and

exposure and other inputs that facilitate policy initiatives and innovations in design

and delivery systems for providing the poor with sustainable access to quality

financial services.”

The Institute would have an Apex stature; its activities would cover all the diverse

entrepreneurship development systems and capacity building mechanisms

irrespective of model and agency involved. It would serve as a convergence point for

different entrepreneurship development training institutions.

8. Future Outlook Challenges and Opportunities

The APBIRED has been keeping itself abreast of the latest developments in the

areas relevant to its mandate and has been trying to keep pace with the changing

requirements and aspirations of sponsor agencies and its clients. Accordingly, the

Institute has been following a process of continual improvement of its services to its

clientele.

Some of the recent developments that require APBIRED to respond appropriately in

the coming years in fulfillment of its mission statement are as follows:

1. Capacity Building of educated unemployed rural youth to take up Self

Employment, Micro and Small Enterprises in rural areas

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2. Capacity building of members of SHGs to take up Income Generating

Activities

3. Identification of rural livelihood opportunities covering both Non Farm Sector

and commercial farm sector activities.

4. Promoting Financial Inclusion through Capacity Building of Business

correspondents/Business Facilitators.

9. Intellectual Profile of APBIRED

The Institute has well qualified Members with diverse professional background and

extensive experience in Rural Development Banking, Project Financing, Institutional

Development, Credit Planning, Microfinance, Information Technology and Marketing.

A brief profile of Director and Assistant Directors is as follows:

P. N. Satya Prasad, Director

A post -graduate in Management and a development banker by profession, Sri P. N.

Satya Prasad has more than three decades of banking experience. His areas of

expertise include Project Appraisal, Institutional Appraisal, Corporate Finance,

Institutional Development, Training and Capacity Building.

V Nagesh, Assistant Director

A graduate in Agricultural Sciences and a post graduate in management, Sri Nagesh

joined the banking industry in 1978 and IOB in 1980 as Agricultural Officer. He has

more than three decades of rural and general banking experience in various

capacities in the bank. His areas of expertise include high tech agriculture financing

and retail banking.

G N S R Sastry, Assistant Director

A post graduate in Physics, Sri Sastry joined Indian Bank as Probationary officer in

1983 and served the bank for nearly three decades in the areas of rural and general

banking in various capacities. His areas of expertise include soft skills and retail

banking.

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B Rama Chandra Rao, Assistant Director

A graduate in Agricultural Sciences, Sri Rao joined Andhra Bank in 1982. He has

three decades of rural banking experience in various capacities in the bank. His

areas of expertise include agriculture financing and rural banking.

10. Note of Gratitude:

APBIRED wishes to place on record its sincere gratitude to Government of Andhra

Pradesh, NABARD, Andhra Bank, Canara Bank, Corporation Bank, Indian Bank,

Indian Overseas Bank and State Bank of Hyderabad who have been extending

financial, moral and human resource support for all its activities.

APBIRED is grateful to Branch Managers of various Banks working in the state, the

Lead District Managers, the AGMs (DD) of NABARD, the Project directors of DRDA,

ITDAs and other Government agencies as also various NGOs/VOs who have been

extending support by sponsoring candidates for training.

APBIRED also wishes place on record its sincere gratitude to Government of India,

AMR-APARD and BAIF – whose support and sharing of resources, knowledge, skills

and information has been helping APBIRED in performance of its assigned

responsibilities.

The institute is grateful to all the employers who have provided wage employment to

our trainees and those branch managers who have provided loans for establishment

of micro enterprises by our trainees either through direct loans or through SHG

loans. The institute is grateful to all its contract faculty members and other service

providers for their dedicated services.

Last but not the least; the institute is grateful to S/Sri Y D Reddy, Dr K G S Rao and

D Subba Rao, Assistant Directors repatriated back to their respective banks, for their

substantial contributions for the development of the Institute during their tenure of

deputation with the institute.

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SBH

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ANDHRA PRADESH BANKERS INSTITUTE OF RURAL AND ENTREPRENEURSHIP DEVELOPMENT

Old Home Science Complex, Behind Directorate of Rice Research,

Himayat Sagar Road, Rajendra Nagar,

Hyderabad - 500030

Phone : 040-20026350/20026351

email : apbireddirector@yahoo.com

website : www.apbired.org

EDP for SHG clients of IOB branches in Progress