rural and women enterpreneurship

8/14/2019 Rural and Women Enterpreneurship

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Rural and WomenRural and WomenEntrepreneurshipEntrepreneurship

By

Group No 4


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Group MembersGroup Members

Ms. Wilma

Ms. Vanishri

Ms. Zenely

Ms. Yashaswitha


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TopicsTopics

Meaning of RE

Need for RE

Self Help Groups

Problems of RE

How to develop RE

Meaning of WE


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Functions of WE

Problems of WE

Growth and recent trends in WE

How to develop women entrepreneurs


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Rural Entrepreneurship & Self

Help Groups

By

Wilma


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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


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Meaning

Rural entrepreneurship

Entrepreneurship emerging in rural areas

Establishing industrial units in the rural

areas


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Meaning of rural industry

KVIC GOVERNMENT

Population


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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


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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


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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


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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.


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Membership

From one family, only one person can become amember 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.


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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.


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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.


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MEETING

The group should meet regularly, the meetingsshould be weekly or at least monthly.

Compulsory Attendance Membership register, minutes register etc. are

to be kept upto date by the group by making theentries regularly.

Commonplace


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Discussing problems

- Find solutions

Planning

- Plan to get financial supports from

Government, Bank and NGO- Development programmes


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SKDRDP (Sri Kshethra

Dharmasthala RuralDevelopment Project)

Established by Dr. D. Veerendra Heggade

Launched in the year 1982

Upliftment of rural poor


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Major types of SHG

Pragathibandhu Model (Male groups)

Partner for progress

Labor sharing each member works for all the members

once in a week


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Jnanavikasa women SHGs

promotes women SHGs involving landless women in the villages

Jnana vikasa SHGs

Group enterprises SHGs

Simple SHGs.


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Shree Dharmasthala SIRI

Gramodyoga Samsthe Backbone to SHG

The products are sold

under brand SIRI

through outKarnataka.


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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 window solutionto the beneficiaries for their daily life.


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PROBLEMS OF RURALENTREPRENEURSHIP,ROLE OF THE GOVERNMENT INRURAL ENTREPRENEURSHIP, HOWTO DEVELOP RURAL

ENTREPRENEURSHIP

by,

VANISHRI. P


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Problems of rural entrepreneurship

Lack of technical know-how

Lack of training & extension services

Management problems

Lack of quality controlHigh 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


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ACCORDING TO THE NINTH PLAN

Inadequate flow of credit

Use of obsolete technology, machinery,& equipment

Poor quality standards

Inadequate infrastructural facilities


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How to develop rural ENTREPRENEURSHIP

Raw material is a must for any industry

FinanceMarketing

Development programmes

Education

Awareness of facilities


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ROLE OF THE GOVERNMENT INRURAL ENTREPRENEURSHIP

By

vanishri.


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INTRODUCTION

After the liberalization of Indian economy, withthe entry of multinationals, the competition has

become intense. As a result urban markets have almostbeen saturated 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.


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CHALLENGES

Quality Consciousness

Brand Loyalty

Fashion Consciousness

Urban Orientation


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NEED OF GOVERNMENTSUPPORT

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 banking

services in remote rural areas also, Rural Credit institutions suchasNational 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 can

be applied and installed with small investment and minimuminfrastructure that are available in rural areas.


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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.


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Type of credit for investment

Short term loan:

-for 18 months

- working capital loan given to industrialestablishments

- usually without any collateral security


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Medium- term loans:

- for machinery etc

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


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Long term loans:

- For high investment purpose

- Collateral security is needed- Can repay in 20 years


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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


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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


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State cooperative agricultural andrural 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


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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


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CONCLUSION

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.


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Growth of womenentrepreneurshipRecent trends of womenentrepreneurship

How to Develop womenentrepreneurship

By

Ms.Yashaswitha

Reg.No 0816119

Growth of Women


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Growth of WomenEntrepreneurship

Regarded as the better half of the

society


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Some facts

Women

Literacy rate

(55%)

Workparticipation(28

%)

Men

Literacy rate

(77%)

Workparticipation(52

%)


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Women account for only5.2% of the total self

employed persons in thecountry.


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In India, Kerala is a state withhighest literacy (includingwomen literacy)

Number of Womens industrialunits in Kerala was 385 in 1981

and 782 in 1984


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It was mainly due to

proper education

Financial, marketing and trainingassistance by state government

Desire for social recognition

One more state is Maharashtra

Recent trends in Women


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Recent trends in WomenEntrepreneurship

Women are increasingly participating in allspheres of activities

The fact remains that women are excelling inacademics, politics, administration, businessand industry


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The Government of India isassigning increasing importance tothe development of women

entrepreneurs The Sixth Five Year Plan is

proposed for promoting female

employment in women basedindustries


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In the Seventh Five Year Plan aspecial chapter on Integration ofwomen in development was added

To treat women as specific targetgroups in all developmentprogrammes

To diversify vocational trainingfacilities to suit their needs


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To promote appropriate technologyto improve their efficiency andproductivity

To provide assistance formarketing their products

To involve women in decision

making process


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Research has shown that womenowned firms comprise betweenone-quarter and one-third of all the

businesses

How to develop Women


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How to develop WomenEntrepreneurship

Women as specific target groupsfor all developmental programmes

Better educational facilities and

schemes from Government Adequate training programmes on

management skills


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Encouraging women participationin decision making

Vocational training to women

community with regard toproduction process and productionmanagement


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Skill development programmes inwomens polytechnics andindustrial training institutes

Training on professioncompetence and leadership skills

Training and counseling on large

scale to remove psychological fear


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Making provision of marketing andsales assistance from government

State Financial Corporation and

Financial Institutions shouldprovide trade related finance

The financial institutions should

provide more working capitalassistance


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Repeated gender sensitation programmesto train financiers to treat women withdignity and respect

Infrastructure in the form of industrial plots

and sheds

Industrial estates must provide marketingoutlets for the display and sale of productsmade by women


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Women Entrepreneurs GuidanceCell

District Industries Centres mustassist women in their trade

Training in Entrepreneurial

attitudes at college level throughwell designed courses

C l i


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Conclusion

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

Unfortunately Government sponsoreddevelopment activities have benefitedonly a small section of women. Majorityare still unaffected by change &

Development


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Thank You

rural and women enterpreneurship

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