Beruflich Dokumente
Kultur Dokumente
ON
TECHNOLOGY PROPAGATION AND DEVELOPMENT
OF MICROENTERPRISES BY SHG WOMEN
Submitted to
Adviser & Scientist G
M&C Division
Under the DSIR Scheme: Technology Development & Utilization
Programme for Women (TDUPW)
Government of India
Ministry of Science and Technology
Department of Scientific and Industrial Research
Technology Bhavan, New Mehrauli Road
New Delhi - 110 016
Telefax : 91-11-26516078, Tele:91-11-26565329
Email: srv@nic.in, priya@nic.in
Submitted By
Prof.P.Kameswara Rao., MBA., PhD.,
Principal Investigator
Professor-MBA
SchoolDepartment of Business Administration
KALASALINGAM UNIVERSITY
Anand Nagar,
KRISHNANKOIL-626190
Virudhunagar District
Tamil Nadu
India
Email: kamesh_p2001@yahoo.com
Phone: +91-4563-289042, Fax: 04563-289322
Mobile: 09788227263
S.No
1.
1.
2.
3.
4.
5.
CONTENTS
Evolution and Growth SHG Movement
Page No.
03
04
05
06
07
below Checklist.
Format B (Certificate from the Investigators)
08
09
Technical Details
Format C- PART II: Budget Particulars
20
9.
ANNEXURE
24
university status (Under section 3 of UGC act 1956) wide notification No.
F.9-2/2002/U.3 dated 20th October 2006 to AKCE. The University is located
at the foot hills of the Western Ghats in a rural setting of Virudhunagar
District. The founding philosophy of the institute is to Empower Youth, for
development through technology.
Eligibility criteria
According to Page number 3 of the guidelines for TDUPW provided by DISR,
New Delhi as its web site http://dsir.gov.in/
4.
Institutions
Eligible
for
Assistance:
The
Organizations in the Government, non-Government sectors and
professional bodies working on areas related to development of
technologies for women with adequate experience in the field are
eligible for financial assistance. Also the agency should be involved in
promotional activities related to S&T/ R&D entrepreneurship
development, SME, promotion, etc. Organizations seeking assistance
under the programme should belong to one of the following categories:
Institutions receiving annual recurring grants from the Central or
State Government Agencies including the Council of Scientific
and Industrial Research, Indian Universities, academic
institutions, R&D institutions, Public Sector Undertakings, etc.
Institutions registered under the Societies Registration Act.
Institutions incorporated under the Companies Act,
Professional & industry Associations
Trusts registered under Indian Trusts Act.
University
Andhra University,
Visakhapatnam,
Andhra Pradesh, India
Andhra University,
Visakhapatnam,
Andhra Pradesh, India
Andhra University,
Visakhapatnam,
Andhra Pradesh, India
Accredited by UGC
EXPERIENCE
MBA Teaching Experience:
Industry Experience
Total Experience
Area of Specialization
Business Management
(Marketing of Financial
Services)
Marketing
Management
MPC
Business Management
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
To
Advisor & Scientist G
M&C Division
Current Residential
Address
Department
Scientific and Industrial
Research
CURRENT
OFFICIALof
ADDRESS:
C/O AMAL RAJA, 24, RAJIV GANDHI
PROFESSOR
IN DEPT.
OF BUSINESS
Technology
Bhavan,
New Mehrauli
Road
NAGAR,
SRIVILLIPUTTUR-626125,
ADMINISTRATION
VIRUDHUNAGAR DISTRICT, TAMIL
New Delhi 110 016
KALASALINGAM UNIVERSITY
Personal Particulars
DOB: 25 Aug 1964
Gender: Male
Marital Status: Married
Nationality: Indian
Mobile: 91-9788227263
Passport
No: A7451149
Email:kamesh_p2001@yahoo.com
Subject: Proposal for undertaking
a Project on Technology
Propagation
SRIVILLIPUTTUR (VIA), TAMIL NADU
and Development of Micro Enterprises by SHG Women
ANAND NAGAR, KRISHNAN KOIL-626190
Sir,
I am glad to forward herewith a proposal for undertaking Technology
propagation and development of micro enterprises by SHG women at a total
cost of Rs.20,48,200 (Rupees twenty lakhs forty eight thousand and two
hundred only). The project is proposed to be completed over a period of 30
ITEMS
Genesis of the University and Eligibility
criteria
Profile of the Principal Investigator
NO.OF COPIES
1
1
1
5
1
1
1
I/We did not submit the project proposal elsewhere for financial
support.
2.
I/We have explored and ensured that equipment and facilities (as
enumerated in section .) will actually be available as and when
required for the purpose of the Project. I/We shall not request
financial support under this project, for procurement of these items.
Date: 05--2-2009
Place: KRISHNANKOIL
(Dr.P.KAMESWARA RAO)
Name and Signature of the Investigators
Date of receipt
Decision :
Received by
Phone: +91-4563-289042,
Fax: 04563-289322
Mobile: 09788227263
NONE
11
10. Abstract of the Project Summary (Please not exceed one page)
It was found that NABARD has set a mission of credit linking one million SHGs by
2007 and the mission was achieved three years ahead of schedule. Average loans to
SHGs in the first cycle are expected to go up from the present level of Rs20,000
($435) to Rs53,500 ($1,160 at the present exchange rate). As the groups mature
and enter the second and higher cycles, additional credit per SHG is expected to
increase from Rs120,000 in 2002-03 to Rs243,000 in 2007-08. Overall annual
disbursements by NABARD to participating banks are expected to increase from
$43 million during the fiscal year 2000-2001 to $938 during 2007-2008. The net
loanable fund requirement of NABARD during 2002-2008 is estimated at $1.5
billion. NABARD seeks an external long-term line of credit of $550 million, to be
negotiated at a rate of 6%, repayable over a period of 12 years, with a grace period
of 6 years. NABARD in partnership with various stakeholders is facilitating SHGBank programme to enable the banking system transcend the confines of supply
driven credit delivery mechanism which was neither cost effective for the banks nor
user friendly for the poor. The cumulative number of SHGs credit linked with banks
increased to more than 27 lakhs as on March 31, 2007 covering more than million
poor households (NABARD 2007). Tamil Nadu occupies second place in India in
growth of SHGs with 315724 self help groups comprising 50,37,832 women as SHG
members. The magnitude of cumulative internal loans was of the order of
Rs.27121.87 In Virudhunagar district of Tami Nadu there are 7065 groups covering
72650 women as members who have accumulated a revolving fund of Rs.4100
lakhs.
The amazing factor here was the quantitative growth of SHGs in Virudhunagar
district. But the mission is not only for forming the SHGs for the sake of forming
the groups but alleviating poverty through capacity building and empowerment of
women. Micro credit is not a magic wand to alleviate poverty. The credit absorbing
capacity of the SHG members can be reinforced only by means of enhancing their
12
11
Review of Status
11.1 International status of development in the subject
The literature on this Self Help Group bank linkage concept was evolved by
Asia Pacific Rural and Agricultural credit Association (APRACA), Bankok and
German Agency for Technical Co-operation (GTZ) during the workshop in
NANJING in China in 1986 and action projects was implemented in
Indonesia, Philiiipines, Thailand and India. Group based lending
methodology launched in Bangladesh by Dr.Mohhammed Yunus as an
action research programme in 1976 and later scaled up as Grameen Bank
since 2nd October 1983. On seeing the success of the group based lending
methodology, many donor agencies launched the SHG based microfinance in
various countries targeting the poor women. The Micro credit movement was
especially women to receive credit for self employment and business services
by the end of 2015.
11.2. National status
Reaching 100 million of Indias rural poor with savings and credit by 2008 this is NABARDs goal through its SHG banking program, leveraging the
strength of the formal banking system and the flexibility of informal self-help
groups (SHGs) in providing adequate financial services to very poor rural
micro entrepreneurs. Through NGOs, government agencies and banks, vast
13
numbers of self-help groups have been established in recent years: as selfreliant autonomous local financial intermediaries. 85% of the members are
women; in India, they have proven to be the better savers, borrowers and
investors. Most of them are from the lowest castes and other disadvantaged
groups. The SHGs mobilize their own savings, transform them into loans to
members and plow their earnings from interest income back into equity.
SHGs are now forming local networks fuelled by competence and
enthusiasm at all stakeholder levels; it expands rapidly throughout India. It
is probably the worlds largest and most successful microfinance
program for the rural poor outstanding in its emphasis on self-reliance
and local autonomy. Here are some outreach and performance figures
(Dec. 2000):
364,000 SHGs established as autonomous financial intermediaries;
5.8 million SHG members
30 million rural poor covered as household members
194,500 SHGs credit-linked to banks
380 banks and 8000 bank branches involved as bank partners
Non-performing bank loans to SHGs: 0%
750 NGOs and numerous GOs involved as social mobilizers and facilitators.
Myths about women and technology
Women are capable of doing only domestic work
Technology that benefits men is assumed to suit women too
Women who are involved only in certain stereotyped manual work as
supplementary income generating activities need no special training
14
Activity
Profiling
Resource mapping
Output
Identification of
beneficiaries and
15
2)
Content
Development
3)
Exposure Visits
4)
Training
5)
Linkage with
banks
6)
Proposed
interaction with
Industry / User
agency
Activity mapping
Opportunities
mapping
Collection of
materials text,
audio and video
Compilation of
content
Locating the activity
centers in the nearby
areas
Exposing the women
to know-how and dohow of the activities
Meeting with success
cases
Contacting the
resource person
Locating the training
venue
Collection of training
materials including
raw materials ,
machines etc
Project proposal
preparation and
grading
enterprises
Creation of multimedia
based digital library on
micro-enterprises
Increased awareness
and motivation of
trainees
No. of beneficiaries
availed loan and
initiated enterprises
Change in status of
employment, women
days created
Adoption of
technology
Upgraded/expanded
existing enterprise
Change in decision
making behavior
Gain more knowledge
and improve the
commitment to the
proposed projects.
16
13.
Activity Schedule
Sl.No Activity
Months
Period
1 2 3 4 5 6 7 8 9 10 11 12
Profiling
10
months
4.
Activity mapping
Opportunities
mapping
Collection of
materials text,
audio and video
Compilation of
content
Locating the activity
centers in the
nearby areas
Exposing the
women to knowhow and do-how of
the activities
Meeting with
success cases
Collection of
training materials
including raw
materials ,
machines etc
Contacting the
resource person
Locating the
training venue
12
months
5.
Project proposal
preparation and
grading
5
months
6.
3 month
Total Duration
30
months
17
14.
SHG
members
on
basic
The agency/ institution which supported the project: DST, NSTEDB, New
Delhi.
Other Supporting agencies: Tamil Nadu Adi Dravida Housing Development
Corporation (TAHDCO), Tamil Nadu Corporation for Women Development
(TNCWD), DIC, Tamil Nadu, District Rural Development Agency,(DRDA),
Tamil Nadu. Tamil Nadu Society for Science & Technology (TNSCST), Tamil
Nadu Nodal Agency, Agricultural Marketing, Chennai.
18
Designation SPECIALIZATIONS
Dr. Jeyakumaran M
Professor
Sr.Lecturer
Mr. Durai K
Sr.Lecturer
Mr. Rajaram R. P. C. S
Sr.Lecturer
OR & PRODUCTION
Miss. M. Selvarani
Sr.Lecturer
FINANCE
Sr.Lecturer
Miss. Suganya S
Lecturer
FINANCE
Mr.G.Balu
Chief Project
Entrepreneurship
Leader EDC
Mr.C.Manoharan
Lecturer
16.
Entrepreneurship
The management of this University has decided that the SHG women will be
trained in preparation of the project proposal, know-how and do-how of
activities in such a way that they shall run the enterprises in a sustainable
19
way. We could provide the linkage with financial institutions along with the
hand-holding approach and monitoring of NGOs, the Self-Help Promoting
Institutions and Consultancy services and guidance by the project
management.
17.
18.
2.
3.
4.
Address:
7/633-A- Jeevanandam Street
Nagamalai Pudukottai
Madurai, Tamilnadu
India 625 019
Telephone:00-91-452-2456546
Email: vijayjeyaseelan@yahoo.co.in
Subject
SHG
Micro enterprise
promotion
Micro Finance
SHG
Linkage
Bank
20
5.
6.
SHG
Bank
Linkage & Micro
enterprise
promotion
D. Selvam (Secretary)
READ
1926 Sakthi Vinayagar St.
Vilandai, Andimadam-621 801
Tamil Nadu, India
Phone: +(91)-4331-242583
Fax: +(91)-4331-242583
E-mail: readpen@sancharnet.in
Asir Devadasan Raja
Address(es) 7/12 A, Urrkadu Road,
Viravanallur 627426
Tirunelveli DT
Tamil Nadu INDIA.
Telephone(s) Mobile ++ 91 9944 5115 68
E-mail(s) asir_devadasan@hotmail.com
8.
SHG related
projects
9.
7.
10.
Address:
19, Sai Enclave
Road # 12, Banjara Hills
HYDERABAD, Andhra Pradesh
India
500034
Telephone:914023301944
Email:prakash.lb@gmail.com
SHG related
projects
SHG training
programmes
21
Total cost including foreign exchange Rs. 20,48,200/(Please provide following break-up and also provide justification for
each head and sub-head separately).
18.1.Manpower: Manpower
Designation
Project Associate
Technical
Number of
Persons
1
1
Salary
per
month
8000
6000
Total
amount(Rs)
8000
6000
Assistant
22
Sub Total
14,000
per
month
Year 1
Year 2
Year 3
Total
1,68,000
1,68,000
84,000
4,20,000
Total
amount(Rs)
45000
for 3years)
01(for 3years)
01(for 3years)
28000
35000
20000
Total
3,00,000
3,00,000
6000
7,34,000
Travel by
Research
Investigator
& Project
Associates
TA to
resource
persons
TA,DA to
participants
Year 1
Year 2
Year 3
(6
months)
Total
45000
55000
30000
1,30,000
10000
15000
10000
35,000
60000
60000
30000
1,50,000
23
(Rs.100x600women)
Total
115000
(Rs.100x600)
130000
(Rs.100x
300)
70000
3,15,000
18.4. Contingency
Purpose
Xerox
Postal
Phone
Internet Charges
Attender
Others
Total
(amount
month)
Year I
Year II
Year III
Total
per
Amount
(per month)
500
100
1500
1500
500
1000
5100
61200
61200
30600
1,53,000
18.4. Computer hire charges (if any): Rs.30,000/18.5. Monitoring and Review Meetings:
Year I
Year 2
Year 3
3 meetings 3 meetings 2 meetings
Particulars
Meeting expenses
@ Rs.20,000 per meeting
60,000
60,000
40,000
Total
1,60,000
18.6. Institutional Over heads (if any)-@10% of subtotals of the final table
Particulars
Institutional
Year I
Year 2
Year 3
3 meetings 3 meetings 2 meetings
1,16,820
46,420
22,960
Total
1,86,200
24
charges
18.7.Others
Particulars
Development
Content
Services
Miscellaneous
Total
Expert
Year I
Year 2 Year 3
Total
15000
25000
40000
5000
20000
5000
30000
0
0
10000
50000
Particulars
Manpower
Consumables
Travel
Contingency
Computer hire
charges(if any)
Monitoring and
7
8
9
Review meetings
Others (if any)
Sub total
Institutional
Year 1
1,68,000
7,34,000
1,15,000
61,200
10,000
Year 2
1,68,000
0
1,30,000
61,200
15,000
Year 3
84,000
0
70,000
30,600
5000
Total
4,20,000
7,34,000
3,15,000
1,53,000
30,000
60,000
60,000
40,000
1,60,000
20,000
11,68,200
1,16,820
30,000
4,64,200
46,420
0
2,29,600
22,960
50000
18,62,000
1,86,200
Overheads @ 10% on
sub total
Total
S.No
Particulars
1.
Manpower
2
3
Consumables
programme
To meet the expenses of stationery and
Travel
training materials
To visit villages for undertaking survey and to
conduct the training programmes, to meet the
25
Contingency
Monitoring and
6
7
Review meetings
Others (if any)
Institutional
Overheads @ 10% on
sub total
Note : Please give justification for each head and sub-head separately
mentioned in Part IV.
Signature of the PI
Place
Designation: PROFESSOR
ANNEXURE
A Copy of registration certificate is attached here
A Copy of Annual report of last 3 years is attached here
A Copy of the Auditors report of last 3 years is attached here
26
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