SHGS ENTREPRENEURS ENGAGED IN

TRADITIONAL SKILL KASUTHI

AN ECONOMIC ANALYSIS IN SELECTED DISTRICTS OF

KARNATAKA

by

VIJAYASHREE SIRDESAI
Principal, Loyola College, Bangalore

under the guidance of

Dr. Shobana Nelasco, M.A., M.B.A.,M.A.,M.Phil., Ph.D.
Associate Professor, Centre of Research in Economics,
Fatima College(Autonomous), Madurai-18.

DEPARTMENT ECONOMICS
SAINATH UNIVERSITY,
RANCHI, JHARKHAND, INDIA

SHGS ENTREPRENEURS ENGAGED IN

TRADITIONAL SKILL KASUTHI
-

AN ECONOMIC ANALYSIS IN SELECTED DISTRICTS

OF KARNATAKA

Thesis submitted in partial fulfillment of the

requirements for the
Degree of

DOCTOR OF PHILOSOPHY
In

ECONOMICS
By
VIJAYASHREE SIRDESAI

under the guidance of

Dr. Shobana Nelasco

DEPARTMENT OF ECONOMICS
SAINATH UNIVERSITY

RANCHI, JHARKHAND, INDIA

Dr. Shobana Nelasco, M.A., M.B.A.,M.A.,M.Phil., Ph.D.

Associate Professor, Centre of Research in Economics,
Fatima College(Autonomous), Madurai-18.

CERTIFICATE
This is to certify that the thesis titled - SHGS ENTREPRENEURS
ENGAGED IN TRADITIONAL SKILL KASUTHI - AN ECONOMIC
ANALYSIS

IN SELECTED DISTRICTS OF KARNATAKA submitted

by VIJAYASHREE SIRDESAI for the Degree of DOCTOR OF

PHILOSOPHY IN ECONOMICS

to the SAINATH UNIVERSITY,

RANCHI is a record of research work carried out by her during the period of
her study in this University, under my guidance and supervision and the
thesis has not previously formed the basis for the award of any Degree,
Diploma, Associateship, Fellowship or other similar titles.

Bangalore
December 2015

Dr. Shobana Nelasco

ACKNOWLEDGEMENT
I choose to use this format to place on record my gratitude to my Major Advisor
Dr. Shobana Nelasco, Associate Professor, for her guidance in completing this thesis as
well as in prosecuting my Ph.D. degree. This endeavor would not have met its logical end
had it not been for her expertise in womens studies, her consistent support and advice.
Her perseverance and capacity for sustained hard work in academics are qualities that I
have imbibed during this association
I gratefully acknowledge the valuable academic contribution, mentorship,
goodwill of my Advisory Committee Members namely, Dr. Vijaya Ramanujachari,
Professor and Head (Retd.), Loyola College of Business of Bangalore.
Dr. Lalitha, Professor and University Head, Department of Rural Management,
Gandhigram University, Dindigul.
Dr. W. P. Martin, Head and Co-ordinator of the Centre, Sai Naath University, Dr.
Asha Latha, Professor and Head, Department of Statistics, Agriculture University
Dharwad, Dr Majunatha G.R. for helping me in analyzing my data. These members have
constantly reviewed my academic work and research and have offered their personal
expertise in their respective fields and suggestions borne from their considerable
experience therein.
I also thank all the teachers who have added to my enlightenment during the
coursework of my Ph.D. Numerous friends too, have stood by me in this mission. They
are my friends, and friends they will ever be.
I also acknowledge the inputs and infrastructural support given by the University
of Agricultural Sciences, Dharwad in prosecuting my Ph.D. degree. The assistance,
information given by NABARD, its Regional Offices and the data volunteered by the
members of self help groups and numerous other stake holders for my research is
thankfully acknowledged.

BANGALORE

VIJAYASHREE SIRDESAI

Dedicated to My Family

TABLE OF CONTENTS

Chapter

Title

No

Page
Number

1.1
1.2
1.3
1.4
1.5
1.6

I INTRODUCTION
History of Embroidery
Kasuthi and women Entrepreneurism
Rural women entrepreneurship
Women empowerment through Entrepreneurship
Rural non farm sector development in India
SHG new lease of life of rural masses specially

1-11
11-12
12-14
14-16
16-18
19

1.7
1.8

women
Generic features of Self -Help Groups
Various SHG activities to promote

20
20-21

1.9
1.10
1.11
1.12

Entrepreneurship
Status of Self Help Groups in India
Self help group and credit linkage
Role of SHPIs in promotion
The future sustainability of SHG Banking hinges

21-24
24-25
25-26
26-28

1.13
1.14

on five factors
What role should government and funders play?
Paradigms of handicrafts development and SHG

29-30
30-31

1.15

linkage
Schemes of Development Commissioner

31-32

1.16

( Handicraft),
Schemes of Development Commissioner

32-33

1.17

( Handicraft),
Development commissioner (handicraft)

33

1.18
1.19
1.20
1.21
1.22
1.23
2.1
2.2
2.3
2.4
2.5
2.6

3.1
3.1.1
3.1.2
3.1.3

contribution in Dharwad and Gadag district:

Some of Kasuthi embroidery samples
Importance of the study
Objectives of the study
Hypotheses
Methodology
Scheme of the study
II REVIEW OF LITERATURE
Definitions of Self Help Groups
Growth of Self Help Groups
Formation and Nuturingof Self Help Groups
Functioning of SHGs Help Groups
Impact of Self Help Groups
Institutions- NGO and Government Role
linkages and SHG
III
METHODOLOGY
Description of the Study Area
Karnataka state
Dharwad district
Gadag district

33
34
34-35
35-36
36
36
39-40
40-42
42-43
43-50
50-59
60-63

69-72
72-76
72-83
84-85

LIST OF TABLES
Table

Table Title

Page

No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14

15

16
17

District-wise Distribution of SHGS Practising Major

Crafts in FAC Jurisdiction of North Karnataka
District-wise & Craft-wise Distribution of SHGS in FAC
Jurisdiction
District-wise Distribution of Kasuti SHGS in FAC
Jurisdiction
Demographic features of Dharwad
Dharwad District General Land Utilization
Dharwad District Agricultural Productivity 2008-09
Sampling frame of the study
Age frequency distribution for Kasuthi SHG members
and non Kasuthi members
Educational frequency distribution for Kasuthi SHG
members and non Kasuthi members
Marital status of the respondents and composition of the
family members
Association of members group (Kasuthi & non-Kasuthi)
with age, education, caste and marital status
Frequency distribution of Family composition for Kasuthi
SHG members and non Kasuthi members
Comparison of average personal time utilization between
Kasuthi SHG member and non Kasuthi member
Comparison of average personal income between Kasuthi
SHG member and non Kasuthi member
Comparison of average expenditure (per annum) of the
family between Kasuthi SHG member and non Kasuthi
member
Comparison of average household assets of the family
between Kasuthi SHG member and non Kasuthi member
Discriminate factors between two groups kasuthi and

22
23
24
79-80
82
83
87-89
103
106
110
113
114
115
117

118

120
121

LIST OF TABLES
Table

Table Title

Page

non-kasuthi group
Reason for joining SHGs
Reasons for undertaking Kasuthi under SHG membership
Other activities of SHG members
Awareness of working of SHGs
Income earned by you from Kasuthi during the study year
Participated in non-monetary programmes conducted by

123
125
126
129
133

No.
18
19
20
21
22
23
24
25
26
27
28
29
30
31

the SHGs during the study year

Influenced activities after joining as SHG member
Advantages gained from SHG Credit
Personal benefits avail from your SHG
Personal discretion in Kasuthi matters
Specific Purpose by the earning of Kasuthi
Problems faced by Kasuthi SHG
Reasons to take up Kasuthi as an activity
Reasons for not like to take up Kasuthi as an activity

134
135
136
138
140
142
144
147
149

LIST OF FIGURES

Sl. No.
1
2
3
4
5
6

Title of the Figure

Map of the study area
Map of the study taluks
Age frequency distribution for Kasuthi SHG members

Page
76
77

and non Kasuthi members

Educational frequency distribution for Kasuthi SHG

104

members and non Kasuthi members

Beneficiary got by OBC members by joining SHGs
Family composition for Kasuthi SHG members and non

107
109
115

7
8
9
10

Kasuthi members
Other activities of SHG members
Earnings of Kasuthi
Reasons to take up Kasuthi as an activity
Reasons for not like to take up Kasuthi as an activity

127
143
143
148