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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