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MICRO ENTERPRISE
MICRO ENTERPRISE
DEVELOPMENT AND
DEVELOPMENT AND RURAL
RURALWOMEN
WOMEN
ENTREPRENEURSHIP:
ENTREPRENEURSHIP: WAY
FOR ECONOMIC
WAY FOR ECONOMIC
DEVELOPMENT
DEVELOPMENT
“A woman is the full
circle. Within her is
the power to create,

nurture and
transform".
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
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
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
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
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.
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
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.
ACTIVITIES IN
AGRICULTURE

Direct
agricultural
field

supportive
activities

non-farm
activities

source :- Rural Develpoment in India,pg-492
DIRECT AGRICULTURAL FIELD
OPERATION
•
•
•
•
•

Sowing
Transplantation
Hoeing
Weeding
Harvesting Operation
like :Thershing,dehusking,
drying and Winnowing

source :- Rural Develpoment in India,pg-492
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
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
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
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
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
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
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
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
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.’
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.
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.
TYPE OF
ENTERPRISE
Micro enterprise

Small enterprise

Medium enterprise
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
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.
LIVESTOCK
MANAGMENT
Dairy Farming
Poultry Farm
Domestic animals Feed Production
Production of cow dung cakes
through animal wastes
HOUSE-HOLD BASED
OPERATION
Knitting
Stitching
Weaving
Embroidery
BakeryFlour Milling
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
“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
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
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.
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.
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
CHARACTERISTIC
S OF WOMEN AS
ENTREPRENEUR
S
• Imaginative

•
•
•
•

Attribute to work hard
Profit earning capacity
Risk Taker
Leadership
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
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
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.
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
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
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.
THE INDIAN APPROACH
3
E
s

3Ps

3ks
source :- Entreprenuer in India, slideshare.com
TRAITS OF WOMEN
ENTREPRENUER
•
•
•
•
•
•
•
•
•
•

Accept challenges
Adventurous
Ambitious
Enthusiastic
Determination to excel
Hard work
Skillful
Patience
Intelligent
Motivator
source :- Entreprenuer in India, slideshare.com
SUCCESS STORy
FROM SHG'S
NUTRIMIX POWDER (NUTRITION
POWDER) MANUFACTURING
-INITIATED BY SHG

Source :- eSS Student papers Sathiabama/Women EmpowermentApril 2010
PROJECTS
RUNNING FOR
WOMEN
INTERNATIONAL
PROJECTS
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
NATIONAL
PROJECTS
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
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
STATE-LEVEL
PROJECTS
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
PROGRAMMES
FOR RURAL
WOMEN
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
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.
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
PROGRAMMES
RUNNING IN JAMMU &
kASHMIR
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
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
&REGP
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.
WOMEN
ENTREPRENUERER
ASSOCIATION IN
INDIA
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
S.NO

ASSOCIATION

4.

Women
Entrepreneursof
Karnataka
(AWAKE)

5.

6.

Self-Employed
Women's
Association
(SEWA)

Women
Entrepreneurs
Promotion
Association
(WEPA)

YEAR OF
ESTABLISHMENT

OBJECTIVES

Non-Governmental Empowering Women through
Organization, 1983 Entrepreneurship for Economic
Development
Trade
union To organise women workers for
registered in 1972 full
employment,means
employment whereby workers
obtain work security, income
security, food security and social
security
Chennai

Empowering women especially
priority
sector
in
health,
education,self-employment in way
of conducting exhibition camps
and counseling and training.
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
FAMOUS
WOMEN
ENTREPRENUER
Indira Nooyi

• Current Chairperson and Chief Executive
Officer of PepsiCo
• She was awarded the Padma Bhushan in
2007.
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
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.
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.
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
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
CONSTRAINT FACED
BY WOMEN
• Dual responisibilties of women
• Illiteracy among Rural women
• Less risk bearing Capacity
• Need for training and
Develpoment
• Male dominated society
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.
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
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.
• 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.
ALONE WE CAN DO SO
LITTLE;TOGETHER WE
CAN DO SO MUCH
BY
HELLEN KELLER
Micro enterprise development and rural women enterpurinship by Parvani Sharma

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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.
  • 11. DIRECT AGRICULTURAL FIELD OPERATION • • • • • Sowing Transplantation Hoeing Weeding Harvesting Operation like :Thershing,dehusking, drying and Winnowing source :- Rural Develpoment in India,pg-492
  • 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.
  • 23. TYPE OF ENTERPRISE Micro enterprise Small enterprise Medium enterprise
  • 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.
  • 26. LIVESTOCK MANAGMENT Dairy Farming Poultry Farm Domestic animals Feed Production Production of cow dung cakes through animal wastes
  • 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.
  • 41. THE INDIAN APPROACH 3 E s 3Ps 3ks source :- Entreprenuer in India, slideshare.com
  • 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
  • 44. NUTRIMIX POWDER (NUTRITION POWDER) MANUFACTURING -INITIATED BY SHG Source :- eSS Student papers Sathiabama/Women EmpowermentApril 2010
  • 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 &REGP 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
  • 62. S.NO ASSOCIATION 4. Women Entrepreneursof Karnataka (AWAKE) 5. 6. Self-Employed Women's Association (SEWA) Women Entrepreneurs Promotion Association (WEPA) YEAR OF ESTABLISHMENT OBJECTIVES Non-Governmental Empowering Women through Organization, 1983 Entrepreneurship for Economic Development Trade union To organise women workers for registered in 1972 full employment,means employment whereby workers obtain work security, income security, food security and social security Chennai Empowering women especially priority sector in health, education,self-employment in way of conducting exhibition camps and counseling and training.
  • 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