Micro enterprise development and rural women enterpurinship by Parvani Sharma
1. MICRO ENTERPRISE
MICRO ENTERPRISE
DEVELOPMENT AND
DEVELOPMENT AND RURAL
RURALWOMEN
WOMEN
ENTREPRENEURSHIP:
ENTREPRENEURSHIP: WAY
FOR ECONOMIC
WAY FOR ECONOMIC
DEVELOPMENT
DEVELOPMENT
2. “A woman is the full
circle. Within her is
the power to create,
nurture and
transform".
3. UN Universal Declaration
of
Human Rights (1948 )
Article 1.
"All human beings are born free and equal
in dignity and rights..''
Article 2:
"Everyone has the right of life,liberty and
4. HISTORY OF INDIAN WOMEN
• VEDIC
ERA
• MEDIEVAL
ERA
Women were at par with the men.
• MODERN ERA
Condition of women deteriorated
Improved status of women in society
5. GENDER COMPOSITION OF
POPULATION
INDICATORS
2001
2011
Population
(in million)
Proportion
(in %)
Population
(in million)
Proportion
(in %)
Male
381.7
51.4
427.9
51.3
Female
360.9
48.6
405.1
54.5
Male
150.6
52.6
195.8
57.9
Female
135.6
47.4
181.3
48.5
Rural:
Urban:
source :-censusindia.gov.in/2011-prov-results/.../india/Rural_Urban_2011
6. Although Women represent only
50% of the total population, they
contribute 75% to the develpoment
of our Society, while men contribute
only 25%
Late Dr.Manibhai Desai
7. WOMEN AND FOOD :- SOME FACTS AND
FIGURES
•
Women are the main producers of the worl'd staple crops which provide
90% of the rural poor's food intake
•
In south-east Asia, women provide up to 90% of labour for rice cultivation
•
In sub-Saharan Africa,women produced up to 80% of basic food stuff both
for household consumption and for sale
•
Fewer than 10% of women farmers in India,Nepal and Thialand have their
own land
•
Women perform from 25 to 45% of agricultural field tasks in Colombia and
Peru
•
Women constitue 53% of the agricultural labour in Egypt
•
Only 15% of the World's Agriculture Extension Agents are Women
source :- www.fao.org/gender/en/agrib4.-e.htm.
8. WOMEN AND FOOD :- SOME
FACTS AND FIGURES
• Labour force participation rate of women is 22.7%,as comapre to males
(51.6%)
• In rural India, agriculture and allied industrial sectors employ as much as
89.5% of the total female labour
• Extensive work loads with dual responsibility for farm and household
production
• Work is getting harder and more time-consuming.
• Active role and extensive involvement in livestock production, forest
resource use and fishery processing
• Contribute considerably to household income through farm and non-farm
activities as well as through work as landless agricultural labourers
source : kurukshetra,2013
9. RURAL WOMEN IN FARM
SECTOR
FEMINIZATION IN AGRICULTURE - concept emerged after
migration of male member to urban sector for
employment
FAO's State of Food and Agriculture Report 2010-11 reveals that
that if women farmers had the same access to productive resources
as men, they could increase yields on their farms by 20 to 30
percent, raising total agricultural output in developing countries by
2.5 to 4 percent, in turn reducing the number of hungry people in
the world by 12 to 17 percent.
12. PREARATORY OR SUPPORTIVE
ACTIVITIES
•
•
•
•
Fetching water
watering plants
tending cattle
collecting fodder and
fuel
• Preparing manure
• Storing and
transporting seeds
• Processing rice
Source :- Rural Develpoment in India,Page no-492
13. NON-FARM ACTIVITIES
• Fishing
• Collecting fruits and
vegetables
• Dairy Products
• Basket Making
• Pottery and other small
business activites
• Artisan activities
Source :- Rural Develpoment in India,page-no 492
14. GLOOMY
PICTURE OF RURAL
WOMEN
Extension and training
services are only
directed towards men
D en
full ied from
l eg a
l sta
tus
Spend 3485 hours
in 1 hectare of land
Ou
fem t of
7
10
for ale 0%
%
l
ha ce o abou
ve nly r
ow
nl
an
d
of
15. ISSUSES OF RURAL WOMEN
Gend
wage er based
differ
and i
nvisib entials
ilt y o
f wor
k.
Long hours an
d
heavy work
Health pr
ob
lems
Lac
k of
of H knowled
uma
g
n r ig e
ht
Illiteracy
16. Why to empower rural
women
• 48.6% of the Rural women are contributing towards
Agriculture as main occupation
(source-kurukshetra ,2013)
• Rural women, as opposed to women in urban settings,
face inequality at much higher rates, and in all
spheres of life
• Rural women and girls have restricted mobility,
access to education, access to health facilities, and
lower decision-making power
Source:-The Asian Foundation,Women's Empowerment in India An
Analytical Overview
17. Women must be directed to
solve their own problems their
own ways.Our Indian women
are as capable of doing as any
in the world.
Swamy Vivekananda
18. ENTREPRENURSHIP IS
LIVING A FEW YEARS OF
YOUR LIFE LIKE MOST
PEOPLE WON'T. SO THAT
YOU CAN SPEND THE
REST OF YOUR LIFE LIKE
MOST PEOPLE CAN'T
19. THE EVOLUTION OF
ENTREPRENEURSHIP
• Concept was first established in 1700s A.D
• French word entreprendre- “to undertake”.
• No single definition of entrepreneur exists
but still some scholar gave their concept
20. ENTREPRENEURS
HIP
• A process of action an entrepreneur undertakes to establish
his enterprise.
•
Peter Drucker Entrepreneurship is defined as ‘a
systematic
innovation, which consists in the
purposeful and organized search for changes,and it is
the systematic analysis of the opportunities such
changes might offer for economic and social
innovation.’
21. entrepreneur
• An entrepreneur is a person who starts an
enterprise
• Richard Cantillon: An entrepreneur is a
person who pays a certain price for a product
to resell it at an uncertain price, thereby
making decisions about obtaining and using
the resources while consequently admitting the
risk of enterprise.
22. ENTERPRISE
• An enterprise is the business
organization that is formed and
which provides goods and services,
creates jobs, contributes to national
income, exports and over all
economic development.
24. AREAS OF MICRO-ENTERPRISE
• Micro Enterprise development related to Agriculture and allied
agricultural activities
• Micro-Enterprise development related to livestock management
activities
• Micro – Enterprise development related to household based
operations
Source :- eSS Student papers Sathiabama/Women Empowerment,April 2010
25. AGRICULTURE AND ALLIED
AGRICULTURE ACTIVITIES
• Cultivation of organic
vegetables
• Growing seasonal
fruits
• Florists
• Mushroom growing
• Bee-keeping
• Value Addition like:•Dehydration of fruits
and vegetables
•Pickles
•Chutney & Jam ...etc.
28. A
C
ACHIEVEMENT THROUGH MICRO ENTERPRISE
Increarse in family income
H
I
Assured employment
E
V
Improved status of family
in the society
E
M
Gaining self-confidence
E
N
T
Increase in GDP
29. “Agriculture is locomotive of our
economy and a prosperous rural
economy based on agriculture
will ultimately make the nation
prosperous “
Sardar Vallabhbhai Patel
Source :- Agri. Entrepreneurship Sustainable livelihood by Mayank Mehta
30. AGRICULTURE IN INDIAN
SCENARIO
India an “Agriculture Gaint.”
Geographically 7th largest country.
3rd largest economy.
4th largest agriculture sector.
2nd in total agriculture output.
Largest producer of milk, spices, cashew nut, coconut, tea, etc.
Largest cattle population(193 million).
2nd largest producer of rice, wheat, sugarcane, groundnut & inland fish
& 3rd largest producer of tobacco.
India home to 10% of world’s fruit production & 1st rank in production
of banana & sapota.
Source: Dte. of Economics & Statistics
31. AGRI-PRENUER
• “He, who is in the business of agriculture,”
Agri.-enterprise
AGRI-ENTERPRISE
• An Agri.-enterprise is any business in the
agricultural
industry,
which
includes
production of agriculture, food, natural fiber,
the environment and natural resources.
32. WOMEN
ENTREPRENEUR
• Woman or group of women who initiate, organise
and run a business enterprise.
• Government of India- Women entrepreneurs as
owing and controlling an enterprise with a woman
having a minimum financial interest of 51% of the
capital and giving atleast 51% of the employment
generated in the enterprise to women.
33. WOMEN ENTERPRISE
Policy measure announced in Parliament on 06.08.1991,the
definition of ‘Women Enterprises’ is as follows:
A small scale industrial unit or industry –related service or
business enterprise, managed by one or more women
entrepreneurs in a concern, in which they will individually or
jointly have a share capital of not less than 51% as shareholders
of the private limited company members of co-operative
society".
Source:-Asian Journal of Business and Economics Volume 2, No.2.2 Quarter II 2012
34. CHARACTERISTIC
S OF WOMEN AS
ENTREPRENEUR
S
• Imaginative
•
•
•
•
Attribute to work hard
Profit earning capacity
Risk Taker
Leadership
35. WHY WOMEN BECOME
ENTREPRENEURS
PULL FACTORS
• An urge to do something new Liking for
business
• Recognition, importance and social status.
• Economic independence
• To Build confidence
• Developing risk-taking ability
• Gain greater freedom and mobility
36. RELATED STUDIES
S.NO
NAME OF THE
AUTHOR
YEAR
TOPIC OF
RESEARCH
RESULT
1.
Singh and
Gupta
1984
Potential women
entrepreneurs.
their
profile,
vision
and
motivation
Economic gain,keeping
one
busy. Fulfillment of one's
ambition ,Wanted to become
independent
2.
Shah
1990
Fostering Women Economic needs or pressures;
Entrepreneurship utilization of own experience
and education; family’s interest
and support; availability of free
time and finance and desire to
become
independent
and
personal ego satisfaction.
3.
Azad
1989
Development of
Entrepreneurship
among
Indian
Women
Economic compulsion, use of
knowledge and skills need for
achievement. Success of others
and frustration in present
occupation
Source :A study by Amudha Rural Women Owned Micro Enterprises: A Stepping Stone for Promoting Enterprises
37. PUSH FACTORS
• Death of bread winner
• Sudden fall in family income
• Permanent inadequacy in income of the
family
• The category of push factors forms a
negligiblepercentage of women entrepreneurs.
38. KEY CHANGES OF
WOMEN
ENTREPRENURES
• Women entreprenures of the 50's
• Women entreprenures of the 60's
• Women entreprenures of the 70's
• Women entreprenures of the 80's
• Women entreprenures of the 90'
• Women entreprenures of the 21st
Source:-project on Women entreprenurship in India
39. STATISTICAL DATA OF WOMEN
ENTREPRENURS IN THE WORLD
S.NO
COUNTRY
PERCENTAGE
(%)
1
INDIA(1990-91)
22.3
2.
INDIA(2000-01)
31.6
3.
USA
45
4.
UK
43
5.
INDONESIA
40
SOURCE :-WIKIPEDIA
40. IMPORTANCE OF
WOMEN
ENTREPRENUER
• A good share of the population.
• Traditionally outside the domain of
economic activities.
• Seen as part of economic and social
development
• Economic status of women is now
accepted as an indicator of a society’s
stage of development.
42. TRAITS OF WOMEN
ENTREPRENUER
•
•
•
•
•
•
•
•
•
•
Accept challenges
Adventurous
Ambitious
Enthusiastic
Determination to excel
Hard work
Skillful
Patience
Intelligent
Motivator
source :- Entreprenuer in India, slideshare.com
47. S.NO
NAME OF THE
PROJECT
AREA
1.
Tanzania Women
Entrepreneurs
2.
INFO-LADY
3.
WEFOG(WomenEn
trepreneurs,
Financing
Opportunities for
Growth)
Canada, August-2011
4.
Rural Entrepreneur
Access Project
(REAP)
2005
ENTREPRISE
Designed by SIDO and To
promote
women's
UNIDO under sponsorship of entrepreneurship development in
the Austrian government,1993 the food processing subsector
through the improvement of
existing
micro
enterprises
managed by women, and the
encouragement of new ventures
with a potential to grow into
SMEs.
Umme Salma, Bangladesh
ICT-enterprise carried by women
To help women especially the
immigarnts (new comers)
Aid with sustainable income and
helps women to “graduate” from
extreme poverty by giving them
the tools they need to start small
49. S.NO
NAME OF THE
PROJECTs
AREA
ENTREPRISE
1.
Eco-friendly Rural
Development through
Women’s
Entrepreneurship
Wardha District,
Maharashtra,supported by
IDRF and Magan Sangrahalaya
Samiti
Manufacture organic
hand-made products like
herbal
candles,mosquitoes
repallents
2.
GCCI Project,
Goa,Pannaji
Deep Lakshmi, opened
resturant in Canacona
with self-help group
Mallika
3.
Shakti
Started by HUL, in district
Nalgonda,Andhra
Pradesh,2000
Provide training to the
women to open their
venture and get financial
help
4.
Anmol Mahila Dugad
Samiti
Self help group from Amritpur
Kalan in collaboration with
NDRI
Paneer, gulabjamun,
whey-based drinks, desi
ghee, and butter
50. S.NO
NAME OF THE
PROJECTs
AREA
ENTERPRISE
5.
Exhibition
for
women Launched during 11th -5
under promotional package year plan
for micro and small
enterprise approved by
CCEA under Marketing
Support
Participation of women
entrepreneurs in international
exhibiton to enhance the
export from such units.
6.
Toptomato.in
Sneha roy and Sananda
Misra Banglore , 2012
Online Grossery store started
by Sneha Roy and Sananda
Misra
7.
ICAR-NAIP Project
Banglore, in
collaboration with
AWAKE ,‘Value Chain
Commercialization of
Maize’
MAIZY promoted by
AWAKE like :- Rava Flour,
Vermicelli, Papads and
Noodles.
8.
RIP (Rural Industrial
Programme )project
Koppal and Gulbarga
district, Karnataka in
collaboration with
AWAKE
Provide skill develpoment to
women for the promotion of
small-scale industries in that
area
9.
Project Sukanya
Aparna Banerjee, Retain
Entreprise in
Pickles, spices, soft toys,
decorative items, and artifacts
52. S.NO
NAME OF THE
PROJECTs
1.
Seed Capital Fund
Scheme (SCFS)
Initaited by JKEDI, Provide training to women
supported
regarding development of
SKEWPY
skills
2.
SKEWPY(Sher-eKashmirEmployment &
Welfare Programme for
the
Youth)
5th December, 2009 To provide financial help to
Grameen Bank Project
J&K,October,2011 Owned
by
the
poor
borrowers of the bank who
are mostly women & works
exclusively
for
them,
provide loan for setting up
of micro-entreprise
3.
4.
Rajiv Gandhi Udyami
Mitra Project
AREA
ENTREPRISE
those who are facing the
problem of unemployment
11th- 5 year plan,
J&K
A
call
Center
for
Micro,small and medium
enterprises and its aim is to
54. S.NO
RURAL DEVELPOMENT
PROGRAMME
YEAR OF
PROGRAMME
OBJECTIVES
1.
Development of Women
and Children in Rural
Areas (DWCRA)
1982
Suitable opportunities of
self-employment to the
women belonging to the
rural families who are
living below the poverty
line.
2.
Mahila Samridhi Yojana
1993
Encourage
the
rural
women to deposit in Post
Office Saving Account.
3.
Swarna Jayanti Gram
Swarozgar Yojana
1999
For
eliminating
rural
poverty and unemployment
and
promoting
selfemployment.
4.
Council for
Advancement of People's
Actions and Rural
1986
Provide funds to voluntary
agencies working for rural
women's
55. S.NO
RURAL DEVELPOMENT
PROGRAMME
YEAR OF
PROGRAMME
OBJECTIVES
5
Rahistriya Mahila Kosh
March.1993
Facilitate credit support or
micro-finance to poor women
to start income generating
activities such as dairy,
agriculture, shop,beekeeping, vending, handicrafts
etc
6.
TRYSEM(Training Rural
Youth For Self Employment)
April,1994
Is to train rural youth from
the target group of families in
skills so as to enable them to
take
up
self/wage
employment
7
Indira Mahila Yojana
mearged into Swayamsiddha
Programme
1994
Empower
women,
both
socially and economically, by
ensuring their direct access to
resource through a sustained
process of mobilisationand
convergence of all the ongoing sectoral programmes.
56. S.NO
RURAL DEVELPOMENT
PROGRAMME
YEAR OF PROGRAMME
OBJECTIVES
8.
National Equity Fund
(NEF) Scheme
15th Februrary, 2002
To provide equity type
support to entrepreneurs for
the setting up of new projects
in tiny/ small scale sector
9.
Small
Industries October 2007 renamed
Cluster Development as Micro & Small
Programme (SICDP)’ EnterprisesCluster
Development
Programmes
(MSECDP)
Support the sustainability and
growth
of
MSEs
by
addressing common issues
such as improvement of
technology,
skills
and
quality, market access,
access to capital, etc
10.
Integerated
Develpoment
Programme
Self-employment program
intended to raise the incomegeneration capacity of target
groups among the poor
Rural
1978
58. S.NO
RURAL DEVELPOMENT
PROGRAMME
YEAR OF PROGRAMME
OBJECTIVES
1.
Himayat
2012
To empower the youth of
J&K
by
providing
employment opportunities
through vocational training
programs
2.
Udaan
2012
Will provide skills and
consequently employment to
8000 youth from Jammu and
Kashmir per annum over a 5
year period in key high growth
sectors.
3.
Jammu & Kashmir
Self Employment
Scheme (JKSES)
1st April 1999
Aims at establishing large
number of small units and
help entrepreneurs to open
individuals
or
joint
ventures/Groups
59. S.NO
RURAL
DEVELPOMENT
PROGRAMME
YEAR OF PROGRAMME
OBJECTIVES
4.
Nehru Yuva Kendra
Scheme
1972, but in 1987,all Kendras Training for unemployed
were re-organized and termed youth and women in the
as Nehru Yuva Kendra Jammu and Kashmir Region.
Sangathan(NYKS)
5.
PMEGP
Prime Minster's Employment Generation of employment
GenrationProgramme, merged opportunities
through
after 2 programmes i.e.PMRY establishment
of
micro
®P
enterprises in rural as well as
urban areas.
6.
JK Bank Saral
Finance Scheme
On occassion of 75th year plan The scheme has been tailored
as a simple and hassle-free
credit dispensation for small
businessmen/traders/vendors
in the state.
61. S.NO
ASSOCIATIONs
YEAR OF
ESTABLISHMENT
OBJECTIVES
1.
Federation of Indian
Women Entrepreneurs
(FIWE)
National-level
organization, founded
in 1993
To
foster
the
Economic
Empowerment
of
Women,
particularly the SME segment, by
helping
them
to
become
successful entrepreneurs
2.
Consortium of Women
Entrepreneurs(CWEI)
3.
Association of Lady
Entrepreneursof Andhra
Pradesh
Was registered in 1996
Entrepreneurship & Skill
as a civil society Development trainings (ESDP),
nonprofit organization financial inclusion and support
in New Delhi
services are being provided to set
up micro enterprises amongst
women minorities, SC and tribals
in various states in the country.
December 1993
To foster women entrepreneurship
with a focus on creativity,
financial sustainability, and social
impact
63. S.NO
ASSOCIATION
YEAR OF
ESTABLISHMENT
OBJECTIVES
7.
The Marketing
Organisation of
Women Enterprises
(MOOWES)
Chennai
Help
micro
level
Women
Entrepreneurs in marketing their
products and to motivate and train
aspiring women to become
entrepreneurs and economically
independent
by
conducting
exhibitions and sale of women
entrepreneurs
products
and
through seminars, workshops,
Training and counselling.
8.
SAARC Chamber
Women
Entrepreneurship
Council
March 29, 2001 in Developing and promoting women
Colombo,Sri Lanka entrepreneurs in the South Asian
region
65. Indira Nooyi
• Current Chairperson and Chief Executive
Officer of PepsiCo
• She was awarded the Padma Bhushan in
2007.
66. Jyoti Naik
• President of famous Lijjat Papad
• Started with a modest loan of Rs 80, the cooperative now has annual sales
exceeding Rs 301 crore(6.50 billion)
• Headquartered in Mumbai and has 67 branches and 35 divisions all over
IndiaHad given employment to 42,000 women uptil 2005
67. PUSHPA MAURYA
• In 2009 with the collbaboration between UNDP India andIKEA Foundation and
the name of the Centre was kept as Swaayam Ksheer
• Manager of the milk Chilling Centre,in the village of Chak Padri in the state of
Uttar Pardesh
• Centre collects milk from 56 villages and supplies on average 2000 litres of milk
a day to the state’s milk grid.
68. Ela Bhatt
• Founder of SEWA,1972
• Awarded the Padmashri, the Padmabhushan as well as the Ramon Magsaysay
Award
• Assists the women to buy solar bulbs with loans from SEWA and sell or rent them
to families in the villages and towns of Bihar.
69. CHETNA GALA SINHA
• Founder of Mann Deshi Mahila Sahakari Bank,established in 1994
• Completely operated by women and serves women customers
• Collaboration with HSBC, Mann Deshi Bank established the Udyogini Business
School in 2007
• Providing vocational training and financial training to these young women to
enable them to become entrepreneurs
70. Rifat Mushtaq
• Establishing
a matchbox manufacturing unit
• Runs a cardboard box manufacturing unit and a printing press in the
industrial area of Zakura, Kashmir
• Gets an impressive annual return of 5 to 6 billion
71. CONSTRAINT FACED
BY WOMEN
• Dual responisibilties of women
• Illiteracy among Rural women
• Less risk bearing Capacity
• Need for training and
Develpoment
• Male dominated society
72. RELATED STUDIES
• Kumari, et. al.(2010) conducted work in the rural areas,
the results of the study indicate lack of supportive
network, financial and marketing problems were the
major problem areas for rural women entrepreneurs and
major de-motivator for other women to initiate
entrepreneurial activity.
• Srinivasan (2009) conducted study in Microfinance and
the SHG bank linkage programme.The study revealed
that poor quality of information about microfinance that
is available to people renders their decision making and
conservatives.
73. SWOT ANALYSIS
• S Positive attitude among rural women towards morden
-
technology,training facilities through KVK
• W- Inadequate facility,less literacy rate
• O Support from NABARD and facilities by other bank
-
• T Still remain marginalize,financial dependence on men
-
Source:- Indain Farming,2009,page no-40-41
74. CONCLUSION
•
Play a role of catalyst in social and economic development of
country like India
•
Can do wonders by their effectual and competent involvement
in entrepreneurial activities.
• Are having basic indigenous knowledge, skill, potential and
resources to establish and manage enterprise
• For ages together they have been confined to a secondary role
and confined to the homes and now the time has come to
become self-reliant, self-respecting enterprising people.
• In a better position where in women participation in the field
of entrepreneurship are increasing at a considerable rate.
75. • More effective steps are needed to provide entrepreneurial
awareness, orientation and skill development programs to
women
• Women entrepreneur networks are major sources of
knowledge and are increasingly recognized as a valuable tool
for its development and promotion.
• Will motivate other rural women to engage in micro
entrepreneurship with the right assistance
• Can strengthen their capacities besides adding to the family
income and national productivity.
76. ALONE WE CAN DO SO
LITTLE;TOGETHER WE
CAN DO SO MUCH
BY
HELLEN KELLER