Budget Alloc Implement Udyogini
Budget Alloc Implement Udyogini
Budget Alloc Implement Udyogini
Internship Report
LETTER OF TRANSMITTAL
Place: Bangalore Date: 20th December, 2016
Dear Ma’am,
I am pleased to submit herewith the report titled ‘Budgetary Allocation and Implementation of
Udyogini’. I hereby declare that this is an original work done by me at FPI, Bangalore and the
findings of this work have not been previously submitted for any publication. Credit, where
due, has been aptly given.
Mantasha Husain
Summer Intern
National Law School of India University, Bengaluru
Batch of 2017
3
4
ACKNOWLEDGEMENTS
I am deeply indebted to Smt. Prachi Pandey, Director, Fiscal Policy Institute, Bengaluru, under
whose guidance this study was conducted.
I would like to also thank Shri K.K. Sharma, Adviser, Fiscal Policy Institute, for his support
and guidance.
I would also like to extend a heartfelt gratitude to Smt. Soumya Ponnappa, Special Officer,
Fiscal Policy Institute, for her valuable suggestions, generous help and direction during all
phases of the study. Without her help and guidance, the study could not have been completed
successfully. Her feedback was crucial and I am grateful to her for lending me time from her
busy schedule to help in this study.
I am thankful to Shri Ravi Kumar B., Research Consultant and Shri Shivakumar, Research
Consultant, for their tremendous support and guidance during this study.
I want to thank Dr. Sarasu Esther Thomas, Associate Professor, Co-ordinator, Centre for
Women and the Law, National Law School of India University and Mrs. Anita V. Nazare,
Deputy Director, Department of State Education, Research and Training (DSERT),
Department of Public Instruction, for their advice with regards to this study.
I am deeply thankful to Namrata Kumar, my fellow intern and classmate from National Law
School of India University, Bengaluru, for her help and support at every juncture.
I want to thank Fiscal Policy Institute, Finance Department, Government of Karnataka, for
giving me the opportunity to intern and providing me with a comfortable and friendly
environment to work in.
I would also like to thank the following officials:
i. Shri Vijay Prakash, IAS, Managing Director, Karnataka State Women's Development
Corporation (KSWDC)
ii. Smt. Vijaylakshmi, District Development Officer, Bengaluru Urban District.
iii. Shri Mahadeshwara, First Divisional Assistant, KSWDC.
iv. Shri Nagaraj, Bank Manager, Syndicate Bank, Ramohalli Branch, Bengaluru.
v. Shri N.R. Gowda, Banking Correspondent.
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TABLE OF CONTENTS
Title Page Number
Letter of Transmittal……………………………….…………………………………….……2
Certificate of Internship……………………………………………………………………….3
Acknowledgements………………………………………………….………………………...4
Table of Contents………………………………………………..…………………………….5
Abstract………………………………………………………..………………………………6
Executive Summary…………………………………………………………………...………7
List of Abbreviations…………………………………………………………………………..8
List of Tables…………………………………………………………………………………..9
List of Figures……………………………………………………………………….……......10
1. Introduction………………………………………………………………..……………..11
2. Women in Karnataka……………………………………………….…………………….15
3. Background of Udyogini Scheme………………………………..….……………………16
3.1. Objectives of the Scheme……………………………………………………………16
3.2. Details of the Scheme………………………………….…………………………….17
3.2.1. Implementation Method…………………………………...…………………17
4. Objective of the Study……………………………………………………………………19
5. Need for the Study………………………………………………………………………..19
6. Research Methodology…………………………………………………………………...19
6.1. Primary Survey………………………………………………………………………19
6.2. Secondary Survey……………………………………………………………………20
6.3. Research Design……………………………………………………………………..20
6.4. Tools of Study…………………………………………………………...…………..20
6.5. Collection of Data……………………………………………………………………22
6.6. Limitations of the Study……………………………………………………….…….22
7. Findings of the Study……………………………………………………………………..22
7.1. Government Office………………………………………………………………..…22
7.2. Case Study of Syndicate Bank, Ramohalli Branch…………………………………..23
7.3. Case Study of Beneficiary……………………………………….…………………..24
8. Findings Based on Data Analysis…………………….......................................................25
9. Recommendations……………………………………………………………………………..32
10. References………………………………………………………………………………..36
Annexures……………………………………………………………………………….…...37
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ABSTRACT
The paper attempts to analyse the impact of Udyogini scheme, which is specifically designed
for women so that they can achieve economic and social empowerment. The main aim of the
study was to analyse the budgetary allocation of the scheme for various districts for a period
of three years and to assess the impact of this allocation on the intended objectives of the
scheme. The scheme works through disbursement of loans via banks so that the women can
start their own enterprises. The study was conducted in Bangalore, with the Bangalore Urban
district taken as a special case study to understand how much the target population is benefiting
from the scheme and in what ways the scheme can be improved. Interviews were conducted
with various stakeholders like banks managers, one beneficiary, and the state level officials
overseeing this scheme to know implementation problems and also to get feedback on the
success of the scheme. The implementation method and other details of the scheme were
studied to gain an understanding of how things should work at the grassroots level and whether
the correct procedure was being followed in sanctioning loans to the beneficiaries.
The study highlights the loopholes in implementation of this scheme and also gives suggestions
to improve upon the current state of affairs. It tries to know the fundamental process involved
in getting access to the scheme, and the subsequent problems which the beneficiaries face.
The flow of subsidies was analysed and major discrepancies were found in the target set for
the district and the actual achievement by a district. Some districts were found to be under-
utilising the given amount, whereas some used the leftover funds from previous years to go
above and beyond the set targets. Similar patterns were found in physical targets. The
recommendations for improving upon the scheme and helping deeper penetration of the same
have also been provided.
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EXECUTIVE SUMMARY
The study given in the report was conducted to find out the ground realities in the
implementation of Udyogini, a scheme specifically designed for women by the Government of
Karnataka (GoK). This scheme comes under the Gender Budgeting process of the government.
The purpose of gender budgeting is to monitor expenditure and public service delivery from a
gender perspective, as a means of mainstreaming women's concerns in all activities and
improving their access to public resources.
The report discusses the present national and international initiatives taken by the various
governments to safeguard the economic rights of women. Nationally, India has many schemes
for the same. Further the need for gender budgeting and the condition of women in Karnataka
is explored. The report further focuses on the Udyogini scheme of the Karnataka government,
and gives its objectives and implementation method.
After articulating the objectives and methodology of the study, the findings of the study (based
on interviews conducted and data analysis) are presented. The report concludes with giving
recommendations concerning the head office, district office, banks and beneficiaries, so that
improvements may be made to truly achieve the intended objective of the scheme.
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LIST OF ABBREVIATIONS
APMC- Agricultural Products Marketing Committee
CDPO- Child Development Planning Officers
DI- District Inspector
DIO- District Implementation Officers
DTI- District Training Institute
GBC- Gender Budget Cell
GoI- Government of India
GoK- Government of Karnataka
GRB- Gender Responsive Budgeting
KSWDC- Karnataka State Women's Development Corporation
MFI- Microfinance Institution
MSDE- Ministry of Skill Development & Entrepreneurship
MSME- Micro, Small and Medium Enterprises
NABARD- National Bank for Agriculture and Rural Development
NPA- Non-Performing Asset
PIA- Project Implementing Agencies
PMKVY- Pradhan Mantri Kaushal Vikas Yojana
RRB- Regional Rural Bank
SC- Scheduled Caste
SHG- Self Help Group
SSC- Sector Skill Council
ST- Scheduled Tribe
TC- Training Centre
9
LIST OF TABLES
Table Page
Number
Table 1: Proportion of Women Employed in the Organised Sector in 13
Karnataka
LIST OF FIGURES
Figures Page
Number
Figure 1: Age wise distribution of widows in Karnataka-Rural and urban 15
comparison
1. INTRODUCTION
Women have been excluded from both social as well as economic progress since ages and
remain one of the marginalised sections of the society. They have very little financial power
and remain dependent on their husbands, fathers, brothers or sons for their financial needs.
They are mostly limited to working at home, hence, having very little to no economic freedom
in their hands.
Women entrepreneurs occupy an important role in the economy of a country, mainly due to
low investment requirement in their businesses, high potential for employment generation, and
dispersal of such industries both in the rural as well as urban areas which leads to an almost
equal progress. Economic growth of a country is dependent on its economic, natural and human
resources. Even if one of them remains untapped, then it is a huge loss in terms of potential for
growth. The objective of any country must be to ensure that all their resources are utilised
optimally. It therefore becomes very important for both men and women to take up a
profession, either as salary earners or entrepreneurs, to help the country in its path towards
development.
It has been observed that women have some difficulty in obtaining access to finance for their
businesses. Women from backward castes, handicapped women and destitute women further
face many hurdles in obtaining credit for their business ventures, as they might be both
economically and socially backward. Though the potential exists, very few women are
choosing entrepreneurship as a career. There are a variety of personal, economic, legal, social,
resources and support system constraints that restrict women from entering the field of
entrepreneurship. Sengupta found in her study (Singh et al 1986) that the profile of women
entrepreneurs was not dominated by education, or the lack of it. It could be because of
experiences and circumstances, which are a key to entrepreneurship. Pillai and Anna (1990)
have examined the stimulating factors which lead women to take up enterprise. They reported
that independent economic status was the foremost ambition which led women to open up their
own businesses.
Western economies have greatly benefited from the huge success of women entrepreneurs,
especially small and medium scale women-led business ventures. Notably, the Government of
India (GoI) has in place various institutions and mechanisms to promote women
entrepreneurial activities. A wide range of incentives exist to promote entrepreneurship
amongst women.
Empowering women is key to not only the well-being of individuals, families and communities,
but also to overall economic productivity, given women’s large presence in the workforce of
the country, especially in the MSME (Micro, Small and Medium Enterprises) sector.
Empowering women with a weak economic background remains a challenge, but small
businesses may be a potent tool for women empowerment in India. It is not only to increase
national productivity or to generate new employment, but also essential to women’s economic
independence, to improve women’s leadership qualities, and independence in decision making.
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Keeping the above in mind, the Ministry of Women and Child Development (GoI) has in place
the National Mission for Empowerment of Women, 2001, Poverty Alleviation and Economic
Empowerment of Women, to ensure socio-economic equality of women.
The Government of India (GoI) has various schemes in place like Rajiv Gandhi National
Crèche Scheme for the Children of Working Mothers and Rashtriya Mahila Kosh to aid women
become financially independent.
India has also ratified various international Conventions and Human Rights Instruments
committing to secure equal rights of women. Key among them are as under:1
1
http://www.nmew.gov.in/index1.php?lang=1&level=0&linkid=19&lid=31<ypeid=2&domid=8
13
In 2006-07, the Government of Karnataka (GoK) created a separate cell in the Finance
Department to identify the quantum and resource allocation and expenditure for women and
proper translation of policy commitments. Accordingly, in the year 2007-08, the first ever
Gender Budget document was presented at the Legislature with a hope to improve the
sensitivity to address the issues which concerns women.
One of the schemes implemented by GoK is Udyogini which aids women in having access to
affordable credit facilities so that they can be financially independent.
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2. WOMEN IN KARNATAKA
Women have been at a disadvantage in many spheres of economic development. Literacy rate
in Karnataka has seen an upward trend and is 75.36 percent as per 2011 population census. Of
that, male literacy stands at 82.47 percent while female literacy is at 68.08 percent. In 2001,
literacy rate in Karnataka stood at 66.64 percent of which male and female were 76.10 percent
and 56.87 percent literate respectively. The following tables and figures give an overview of
the condition of the women in the state.
300000
250000
200000
150000 Urban
Rural
100000
50000
0
80+
65-69
20-24
25-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
70-74
75-79
200000
55-59
40-44
45-49
50-54
40-44
45-49
50-54
55-59
Divorced
Rural Urban
interest so that the women are not exploited by the local moneylenders. The rate of interest
usually varies by what each bank charges its ordinary customer. Usually it is at the current
Bank Rate+1%. The scheme also aims to help widows and handicapped women to become
financially independent by providing them with financial assistance without any impediments.
Women in the age group of 18-45 years whose family income does not exceed Rs. 40,000/- per
annum are eligible to avail assistance under this scheme. There is no income limit for widows,
physically handicapped and destitute women. The women belonging to special categories
(widows, SCs, STs, destitute women, physically handicapped, etc.) are provided Rs. 10,000/-
or 30% of the planned expenditure on the project (whichever is less). The women belonging to
general category are provided with Rs. 7,500/- or 20% of the planned expenditure on the project
(whichever is less). This is given as a subsidy on the loan that they avail from the bank. This is
a one-time disbursement only. Figure 1 and Figure 2 shows the number of widows and destitute
women in Karnataka, and Table 3 shows the number of disabled persons in Karnataka. The
KSWDC provides this assistance through the District Implementation Officers (DIOs) by
releasing the subsidy money to the related banks. The remaining amount is loaned by the banks
to the beneficiaries. There is no maximum limit to the loan that a woman can avail. If the bank
manager approves the loan, the bank can disburse any amount of loan. There is of course a
limit on the subsidy amount, as mentioned above.
Before applying, the candidate must submit her income certificate signed by the Tehsildar.
Loans are usually given through nationalised banks, cooperative banks, district cooperative
banks and women cooperative banks. According to the scheme guidelines, the subsidy loans
must be only disbursed for new business ventures, and not to expand existing ones.
The scheme Rules and Regulations must be displayed on the notice board of offices of Women
and Child Development Officer, Deputy Director and Joint Director.
Applicants are required to fill a form for applying to this scheme (Annexure 1)
In each taluka, Child Development Planning Officers (CDPO), Women and Child
Development Officers (WCDO) work as Implementation Officers. Advertisement about the
scheme is done through radios and newspapers, employment exchanges, Tehsildar office,
District Broadcasting office amongst others. Anganwadi workers of the district also help to
spread awareness and help the women in filling of the form. Applications are given directly to
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eligible beneficiaries, or to the CDPO to be distributed amongst the beneficiaries. After the
application is received (at the village level), it is scrutinised by the following officers:
The scheme document sets out the following rules in regards to ‘Udyogini’:
The following instructions shall be followed while sanctioning financial assistance under
Udyogini scheme.
1. According to the amount sanctioned by the bank, for General category women 20%
of the plan expenditure or not exceeding maximum of Rs.7500, whichever is less,
has to be disbursed. For special category women (SC, ST, widows, physically
challenged, destitute women) an amount of 30% of planned expenditure or not
exceeding maximum of Rs.10000, whichever is less shall be disbursed. Banks shall
ensure that the loan is completely disbursed to the beneficiary. Banks should
19
consider the financial assistance as “Backend Subsidy”. Banks shall release an order
regarding sanctioning of loan and recover the loan in 36 monthly instalments.
2. Once the loan is approved from the bank: Before the disbursement of the loan, all
the applicants whose loan is approved should receive a 3 day business
improvement training from a specified training centre. This training is called
Entrepreneurship Development Training. It is a bank sponsored training
programme. The KSWDC pays for 6 days of training (Rs. 520 per day if it is
residential or Rs. 450 per day if it is non-residential). This is a mandatory training
and loans should be disbursed only after the training. This examination should be
done by the Deputy Director /Assistant director. The training has a common
syllabus which trains the women in record keeping, money management, business
development and marketing. They may also have training in common skills like
animal husbandry or tailoring, but more specific skill training is not usually
provided.
(Further instructions as given in the official Information booklet for Udyogini are
attached in Annexure 12)
6. RESEARCH METHODOLOGY
6.1 Primary Survey
The researcher undertook visits to the following places and participated in discussions with the
officials of:
Discussed on:
Gender Based legislations with Dr. Sarasu Esther Thomas, Associate Professor, Co-
ordinator, Centre for Women and the Law, National Law School of India University.
The methodology and possible questions of research with Mrs. Anita V. Nazare, Deputy
Director, Department of State Education, Research and Training (DSERT), Department
of Public Instruction.
The benefits of the programme and problems encountered in gaining access to the
scheme with a beneficiary (as a special case study) in Syndicate Bank, Ramohalli.
Data of previous 3 years with regards to the scheme was taken from KSWDC. This data
consisted of statistics of physical and financial targets and achievements of the scheme. An
effort was made to understand why there are variances in budgetary allocation of funds, release
of funds, and their utilisation. Various officials and one beneficiary were also interviewed.
Budget Statistics- Obtained from the Annual Budget Statement of the Government of
Karnataka.
Secondary Data- Collected from the Department of Women and Child Development
(Bangalore Urban District) and KSWDC.
Interviews- They were conducted at 2 levels:
1. Beneficiary level - The actual benefits from the scheme, difficulty in accessing the
scheme, use of funds for the specific purpose provided in the scheme, etc.
2. Officials level (Department of Women and Child Development and KSWDC) –
Allocation versus release, release versus non-expenditure and possible reasons for the
same. Interviews of Releasing Authority and Implementation Authority.
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3. Bank Level- A special case of Syndicate Bank (Ramohalli taluka, Bangalore Urban
district) was taken. The researcher paid a visit to their office and talked about the
general issues related with the scheme
Interview Schedule: There were three separate interview schedules for officials of Department
of Women and Child Development (Bangalore Urban District) and KSWDC, the bank officials,
and the beneficiaries themselves.
The following information was sought from the Government officials:
The questionnaire for the beneficiaries was divided into the following sections:
1. General information
2. Administrative aspect: Pre-enrolment and Post-enrolment
3. Repayment
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The KSWDC transfers the subsidy funds to the respective districts each year according to the
targets set. Many a time, the banks in each district may not sanction such amounts of loan so
as to utilise the whole of the subsidy amount stipulated for that financial year. Hence, the
23
unutilised amount remains at the district office and is rarely returned to the state head office.
This results in accumulation of idle money over the years. As will be seen subsequently in the
report, this idle money is used to provide subsidies for the succeeding years in case the demand
for the scheme exceeds than anticipated.
KSWDC
Beneficiary
The subsidy amount is released to the bank (by the district office) only after approval of the
loan, but the subsidy amount is transferred to the district office (by the KSWDC) even before
sanction of the loan. This may also give rise to idle money in the district office.
The scheme document requires a meeting, once every six months, of the beneficiaries under
this programme to know their issues or success stories. On talking to an official, it was found
that this is currently not happening regularly. The follow-up for these meetings is also poor.
The businesses which are successful and are high in demand amongst the beneficiaries are
animal husbandry, tailoring, and beauty parlours (See Annexure 11 for other 89 businesses
allowed under the scheme)
o After the approval of the application and before the sanction of the loan, there is also a
Post-Inspection by the bank manager to see if the potential still exists. The loan only
gets sanctioned after this exercise.
o 50-60 applications (in the financial year 2015-2016) were sent by the Bangalore Urban
District office of Women and Child Development. Out of these, around 30 were
sanctioned by the bank manager. Usually, the bank manager assesses the
creditworthiness of the borrower and looks at how profitable the business venture will
be in the future before sanctioning the loan amount.
o The bank manager can reject an application even if it has been approved by the officials
of the KSWDC and Department of Women and Child Development. The KSWDC
releases the subsidy to the bank only after the loan is sanctioned by the bank manager.
o Loans are disbursed on a lump sum basis (it is a one-time release).
o The rate of interest on these loans is Bank Rate+ 1%
o Around 50% of the loans disbursed become bad debts as the beneficiaries default on
repayment. This is because the beneficiaries feel that they need not really repay the loan
as it is a government scheme and that the government will take care of the same. Such
loans are categorised as Non-Performing Assets (NPAs). Usually, no collateral is
required.
o The kind of businesses which usually default on repayment are petty business,
vegetable vendors, flower sellers, cloth cut piece centre and puja item sellers.
o The repayment time of these loans is usually 3 years.
o Women from almost all age groups (19 years to 45 years) applied to be beneficiaries,
and there was no concentration of a particular age group of applicants.
Table 4: Number of Women Running each Type of Business in each Age Category
(Syndicate Bank, Ramohalli Branch, Financial Year 2015-16)
Age Group Total
18 to 25 26 to 35 36 to 45
Type of Business
Tailoring nil 3 1 4
Hotel nil 1 3 4
Provision Store 4 6 7 17
Textile 1 2 1 4
Tailoring and Textile nil nil 1 1
Stationery nil nil 2 2
Computer nil 1 nil 1
Jewellery 1 nil nil 1
Bakery 1 2 1 4
Fancy Store nil 1 1 2
Flour Mill nil nil 1 1
Total 7 16 18 41
Sometimes if the loan requirement for each of the applicants is small, then the district achieves
the physical target but fails in financial achievement as the cumulative amount adds up to less
than the financial target allotted for that year.
In 2013-14, the districts of Bangalore Rural (Rs. 25.36 lakh as against Rs. 16.21 lakh) and
Koppala (Rs. 55.38 lakh as against Rs. 22.18 lakh) have been able to utilise a higher amount
of funds than those allocated (Figure 4). This is because the number of actual beneficiaries in
these districts is also considerably higher than the targeted number of beneficiaries. In 2013-
14, it can be seen in the case of Bangalore Rural district, where the target was 182 and the
achievement was 302. Many a times, the districts do not return the unutilised amount of the
previous year to the KSWDC. Hence, this amount keeps on accumulating over the years and
the districts use these additional funds over and above the funds allocated to them in case the
demand for the scheme is very high and the number of beneficiaries goes beyond the target
number of beneficiaries. In such a case, it becomes useful for the district to give subsidies to
the beneficiaries from the unutilised subsidy amount of the previous years.
26
Bagalkot 30.01 30.1 100.30 32.24 34.46 106.89 34.34 32.27 93.97
Bellary 40.08 24.56 61.28 42.89 41.48 96.71 45.92 48.95 106.60
Bidar 26.54 25.31 95.37 28.52 21.57 75.63 30.4 30.03 98.78
Chamarajnagar 16.48 7.45 45.21 17.31 14.38 83.07 18.49 20.47 110.71
Chikamagaluru 18.26 14.97 81.98 19.44 17.26 88.79 20.9 20.09 96.12
Chikballapur 20.48 21.44 104.69 21.14 22.84 108.04 22.47 22.73 101.16
Gadag 16.83 14.55 86.45 17.93 17.9 99.83 19.31 14.9 77.16
Kalburgi 41.86 32.02 76.49 42.97 36.75 85.52 46.11 42.83 92.89
Hassan 28.5 31.06 108.98 30.64 29.63 96.70 32.46 33.37 102.80
Haveri 25.12 17.43 69.39 26.64 30.4 114.11 28.47 25.01 87.85
Koppala 22.18 55.38 249.68 23.53 19.59 83.26 25.31 29.8 117.74
Kodagu 8.91 8.2 92.03 95.87 9.93 10.36 10.25 12.3 120.00
Mandya 28.95 25.31 87.43 30.83 21.9 71.03 32.83 27.69 84.34
Mysuru 48.45 41.12 84.87 50.9 43.83 86.11 54.21 61.33 113.13
Raichur 30.73 33.97 110.54 32.66 33.74 103.31 35.14 31.95 90.92
Ramanagara 12.38 16.5 133.28 18.38 17.45 94.94 19.44 18.41 94.70
Shivamogga 28.23 22.8 80.77 29.93 24.47 81.76 32.03 35.4 110.52
Uttar Kannada 22.71 16.03 70.59 24.35 17.77 72.98 26 24.36 93.69
Yadagir 18.88 16.21 85.86 19.87 19.93 100.30 21.43 21.4 99.86
50
100
150
200
20
40
60
80
100
120
140
0
0
Bangalore… Bangalore Urban
Bangalore Rural Bangalore Rural
Belgaum Belgaum
Bijapur Bijapur
Bagalkot Bagalkot
Bellary Bellary
Bidar Bidar
Chamarajnagar Chamarajnagar
Chitradurga Chitradurga
Chikamagaluru Chikamagaluru
Chikballapur Chikballapur
Davanagere Davanagere
Dakshina… Dakshina Kannada
Target Economic
Target Economic
Dharwad Dharwad
27
Gadag Gadag
Kalburgi Kalburgi
Hassan Hassan
Haveri Haveri
Kolar Kolar
Achievement Economic
Achievement Economic
Kodagu Kodagu
Mandya Mandya
Mysuru Mysuru
Raichur Raichur
Shivamogga Shivamogga
Tumakuru Tumakuru
Uttar Kannada Uttar Kannada
Udupi Udupi
Yadagir Yadagir
28
180
160
140
120
100
80
60
40
20
0
Bellary
Gadag
Kolar
Bangalore Rural
Bijapur
Davanagere
Bagalkot
Mysuru
Belgaum
Chamarajnagar
Haveri
Mandya
Shivamogga
Chitradurga
Dharwad
Hassan
Kodagu
Ramanagara
Yadagir
Bangalore Urban
Bidar
Chikballapur
Kalburgi
Koppala
Raichur
Udupi
Chikamagaluru
Tumakuru
Uttar Kannada
Dakshina Kannada
2013-2014 nil 1 2 4 12 3 8 30
2014-2015 nil 2 nil 1 12 6 9 30
2015-2016 nil nil 1 nil 6 13 10 30
In the year 2014-15 (Figure 5), it can be clearly seen that Kodagu district did not manage to
utilise a considerable amount of the money allocated (Rs. 9.93 lakh as against the allocated Rs.
95.87 lakh were utilised, a utilisation of 10.35%). Belgaum could only utilise Rs. 14.37 lakh of
the Rs. 80.46 lakh allocated to them (a utilisation of 17.85%). Yadagir utilised almost 100% of
its allocated funds (Annexure 6). Some of the reasons for low level of utility could be that there
were not sufficient number of beneficiaries applying for this scheme, the loan amount that they
would take is low hence subsidy is also low, low level of awareness, etc. the factors may differ
from district to district.
In the year 2015-16 (Figure 6), the utilisation percentage (utilisation as a percentage of
allocation) seems to have improved considerably for most districts. It was 117.08% for
29
Bangalore Rural district, 117.74% for Koppala district, 113.13% for Mysuru, and 110.52% for
Shivamoga district (Annexure 7).
Physical Achievement:
For 2013-2014, in terms of physical achievement of targets (Figure 7), the target set for the
state was 1622 beneficiaries, whereas the actual achievement was 926 beneficiaries. This is an
achievement percentage of 57%. Bangalore Urban district (1410 beneficiaries was the target
and the achievement was 731 beneficiaries) (Percentage of achievement was 51.84%) and
Belgaum (847 beneficiaries was the target and the achievement was 493 beneficiaries)
(Percentage of achievement was 58.24%) were not able to achieve their targets. They
prominently stand out amongst other districts, even though a lot of them were not able to fulfil
their physical targets.
Koppala district’s achievement was 252.6% as compared to the target set for the district
(Annexure 2). The demand for this scheme was clearly high in this district. Other districts who
did considerably well in achievement of their targets are Bangalore Rural (302 beneficiaries as
against a target of 182 beneficiaries or 165.93% achievement), Chikballapur (252 beneficiaries
as against a target of 230 beneficiaries or 109.56% achievement), and Ramanagara (197
beneficiaries as against a target of 139 beneficiaries or 141.72% achievement).
In 2014-2015, the target set for the state was 1984 beneficiaries, whereas the actual
achievement was 1985 beneficiaries. Here, the achievement exceeded the target set. Bangalore
Urban and Yadagir were able to achieve their target 100% (1760 and 225 beneficiaries
respectively) (Figure 8). Most of the districts were able to go above and beyond the physical
targets by utilising the funds judiciously and/or using funds accumulated from the previous
years (Annexure 3).
In 2015-2016, the target set for the state was 2129 beneficiaries, whereas the actual
achievement was 2005 beneficiaries. This is an achievement percentage of 94%. All the district
improved upon their percentages from the previous years. They were able to almost meet their
targeted number of beneficiaries, or even more in some cases (Bangalore Rural had 243 actual
beneficiaries as against a target of 198, leading to an achievement percentage of 122.72%,
Shivamogga had 443 actual beneficiaries as against a target of 362, leading to an achievement
percentage of 122.37%) (Annexure 4).
30
Belgaum 847 493 58.20 906 1410 155.60 970 865 89.20
Bagalkot 337 344 102.10 363 400 110.20 388 383 98.70
Bellary 450 388 86.20 483 550 113.90 519 579 111.60
Bidar 298 284 95.30 321 312 97.20 343 349 101.70
Chitradurga 203 180 88.70 316 337 106.60 339 323 95.30
Chikamagaluru 205 173 84.40 219 202 92.20 236 231 97.90
Chikballapur 230 252 109.60 238 252 105.90 254 254 100.00
Davanagere 357 271 75.90 368 435 118.20 396 380 96.00
Dakshina
380 314 82.60 406 377 92.90 433 392 90.50
Kannada
Dharwad 326 209 64.10 351 308 87.70 375 363 96.80
Gadag 189 100 52.90 202 213 105.40 218 176 80.70
Kalburgi 470 387 82.30 484 434 89.70 521 491 94.20
Hassan 320 379 118.40 345 247 71.60 367 390 106.30
Haveri 282 212 75.20 300 371 123.70 322 295 91.60
Kolar 280 305 108.90 293 300 102.40 315 313 99.40
Koppala 249 629 252.60 265 240 90.60 286 359 125.50
Kodagu 100 105 105.00 108 121 112.00 116 151 130.20
Mandya 325 306 94.20 347 298 85.90 371 333 89.80
Mysuru 544 477 87.70 573 509 88.80 613 702 114.50
Raichur 345 420 121.70 368 426 115.80 397 486 122.40
Ramanagara 139 197 141.70 207 212 102.40 220 216 98.20
Shivamogga 317 275 86.80 337 303 89.90 362 443 122.40
Tumakuru 478 422 88.30 511 520 101.80 548 529 96.50
Uttar Kannada 255 219 85.90 274 226 82.50 294 308 104.80
Udupi 203 206 101.50 238 161 67.60 254 103 40.60
Yadagir 212 195 92.00 224 225 100.40 242 241 99.60
200
400
600
800
1000
1200
1400
1600
1800
2000
200
400
600
800
1000
1200
1400
1600
0
0
Bangalore Urban Bangalore Urban
Bangalore Rural Bangalore Rural
Belgaum Belgaum
Bijapur Bijapur
Bagalkot Bagalkot
Bellary Bellary
Bidar Bidar
Chamarajnagar Chamarajnagar
Chitradurga Chitradurga
Chikamagaluru Chikamagaluru
Chikballapur Chikballapur
Davanagere Davanagere
Dakshina Kannada Dakshina Kannada
Target Physical
Target Physical
Dharwad Dharwad
31
Gadag Gadag
Kalburgi Kalburgi
Hassan Hassan
Haveri Haveri
Kolar Kolar
Achievement Physical
Achievement Physical
Kodagu Kodagu
Mandya Mandya
Mysuru Mysuru
Raichur Raichur
Ramanagara Ramanagara
Figure 8: Target vs Actual Physical Achievement 2014-15
Figure 7: Target vs Actual Physical Achievement 2013-14
Shivamogga Shivamogga
Target vs Actual Physical Achievement: 2013-14
2000
1500
1000
500
0
Bangalore…
Dakshina…
Bijapur
Davanagere
Gadag
Bagalkot
Bellary
Kolar
Bangalore Rural
Belgaum
Chamarajnagar
Haveri
Mandya
Mysuru
Ramanagara
Shivamogga
Bidar
Chitradurga
Chikamagaluru
Dharwad
Hassan
Kodagu
Tumakuru
Chikballapur
Kalburgi
Koppala
Raichur
Udupi
Yadagir
Uttar Kannada
Target Physical Achievement Physical
2013-2014 nil 1 1 4 11 3 10 30
2014-2015 nil nil nil 1 9 5 15 30
2015-2016 nil nil 1 nil 4 14 11 30
11.RECOMMENDATIONS
Head Office:
Need analysis must be done by the department after gauging demand from each district
and then a proposal for sufficient amount of funds must be presented to the higher
officials in the GoK. The process must flow bottom-up so that there no excess or lack
of funds with each district. It was observed that the demand for the funds was usually
more than the supply hence, a proper need analysis will be of great help to iron out any
shortfalls in funds distribution.
Mechanisms for proper follow up of the business (in the form of meetings with the
beneficiaries every 6 months) exist, but the implementation is poor. Beneficiaries must
be given incentives to attend such meetings and officials must be monitored so as to
ensure that such meetings are held as stipulated in the scheme document.
33
There are too many bureaucratic channels through which an applicant has to go through.
The application itself is referred and passed by a large number of officials. Hence, it is
recommended that there must be a single window system so that the whole application
process becomes easier.
Training to the beneficiaries is provided in account keeping, marketing, business
development and common skills like tailoring and animal husbandry, but not in other
specific enterprises. Other skill training must be provided to them in courses like
beautician course, travel agency business, agarbatti making by tying up with District
Training Institutes (DTIs), non-governmental organisations (NGOs) or self-help groups
(SHGs). A need analysis can also be taken up where it is determined which are the other
kinds of skills in which the beneficiaries require training. This maybe done district-
wise.
The scheme is meant only for setting up new business, but in the study it was found
that the loan amount granted under this scheme was used to expand already existing
businesses. Hence, the government can start other schemes which will help existing
business to expand.
Tie ups can also be done with Central Government schemes. Pradhan Mantri Kaushal
Vikas Yojana (PMKVY) is the flagship scheme of the Ministry of Skill Development
& Entrepreneurship (MSDE). Under this Scheme, Training and Assessment fees are
completely paid by the Government. There are PMKVY Training Centres (TCs) which
impart training in Soft Skills, Entrepreneurship, Financial and Digital Literacy. There
are Project Implementing Agencies (PIAs), such as Sector Skill Councils (SSCs) all
over India which can also become partners in the for the Udyogini scheme.
Marketing outlets for Udyogini along with other schemes presently exist. More
exposure maybe given to these products by organising melas at the taluk level
frequently and at the State level whenever possible so that the entrepreneurs under this
scheme do not suffer from losses due to unsold products. A set up similar to
Agricultural Products Marketing Committees (APMC) can be established so as to give
specialised emphasis on the marketing and sale of such products.
District Office:
Ground level officials must be given proper training so that they can help out the
beneficiaries when the need for such a help arises.
It was observed that some districts consistently failed to meet targets (both in financial
as well as physical terms). Some steps are clearly needed to ensure that the targeted
women are benefited from the scheme. Greater awareness about the scheme, making
field level officers approachable, ease in filling the form of the scheme, reduced time
duration between application of loan and actual disbursement of loans are some of the
reforms that must happen so that women can make use of the scheme and districts are
able to meet targets.
The idle money (as discussed earlier) that lies with the district office must be returned
to the state head office each year so that it is not left idle and interest can be accumulated
34
on it. It is a financial loss if the money collects no interest over a period of one year. It
may also be re-appropriated to those districts where the demand is high.
The districts can make arrangements to have special meetings with the beneficiaries,
especially in the 1st year of the start of the enterprise. This should be done to ensure that
any initial problems are solved quickly, and they are not compounded into bigger
problems in the future. These meetings must also involve experts and maybe held
quarterly, or whenever it is feasible to seek expert help.
Bank:
Loans (along with the subsidy amount) are sanctioned only when the bank manager
visits the site of the proposed business and checks whether there is a potential to run
the business or not. This is a Pre-Inspection. It creates a problem for the entrepreneurs
as they are not yet sure of receiving the subsidy amount and the loan from the bank, yet
they need to prove that their business can become operational. Sustainability of
projecting the operational capacity is tough as it takes nearly a year for the actual
sanction of loan, which is also not guaranteed. Since the loan is not meant for existing
businesses, this Pre-Inspection requirement can be dropped.
The time frame in which the application for the loan gets approved is too long. It almost
takes around 1 year from the time an application is submitted for the first time for
sanctioning of the loan, till the loan is actually disbursed to the beneficiary. Efforts must
be made to reduce this time frame and expedite the process as the business can be started
only after the loan amount is sanctioned. It may also happen that the beneficiaries may
drop the idea of the business in case they do not get funds on time as sustenance of the
business for 1 year without the bank loan may become difficult.
The banks who disburse such loans often suffer from losses as most of these loans
become NPAs. The beneficiaries do not repay the loan as they feel that they need not
bother paying up since it is a government scheme. It may also happen that the borrowers
do not make enough profit out of their ventures so as to enable repayment of the
borrowed money. In this case, the government must step in to compensate banks for the
bad debts.
It has been long argued that microfinance helps in improving the status of women by
providing them with initial capital so that they can support their existence independent
of men. Experts believe microfinance greatly helps starting up microenterprises. Banks
these days simply do not extend loans to everyone who is in need of one. As seen in the
case of Udyogini as well, banks have a discretion to reject applications. The principle
of microfinance believes that even small amounts of credit are sufficient to end the
cycle of poverty. Therefore, Microfinance Institutions (MFIs) can be engaged by the
government to extend loans in case the beneficiary is not able to show sufficient
creditworthiness.
If the women beneficiaries are members of self-help groups (SHGs), then these groups
can be linked to the lending banks under the Self-Help Group Bank Linkage Model.
The SHGs help the poor to access formal systems of savings and credit and also
35
considerably minimise transaction costs of the bank. One of the distinctive features of
this model is that the programme has very high on-time recovery of loans. Since the
non-repayment of loans by the beneficiaries was a major concern of the banks, this
model may help to improve the existing problems of bad debts due to the scheme. Banks
like ICICI Bank and NABARD are active participants of this model.
Beneficiary:
There must be a programme to change the beneficiaries’ attitude towards the repayment
of the loan as they think that since it is a government scheme they won’t be held liable
for the payback. This in turn leads to losses for the banks giving the loans under this
scheme.
Beneficiaries (especially in remote villages) must have contact details of officials in
case they need help or face a problem with regards to the scheme.
12. REFERENCES
36
Anna V. and Pillai N.C. 1990. Women Entrepreneurs in Kerala. Social Change. Vol. 20. 2nd June, 1990.
Devadas, B. and Sikidar, S. 1990. Development of Small and Medium Enterprises: Need for Entrepreneurial
Structure in a Developing Economy. Proceedings of Eighth National Commission of Women
Entrepreneurs. Organised by National Alliance of Young Entrepreneurs. New Delhi.
Lahiri, A., Chakraborty, L., Lahiri, A., Bhattacharya, P.N., Mukhopadhyay, H., and Bhasin, A. 2003. Gender
Budgeting in India. National Institute of Public Finance and Policy. February 2003.
http://www.nipfp.org.in/media/medialibrary/2014/11/GENDER_BUDGETING_IN_INDIA_1.pdf.
Accessed on: 4th August, 2016.
National Mission for Empowerment of Women website: http://www.nmew.gov.in/ . Accessed on: 2nd August,
2016
Singh, N.P., Sehgal, P., Tinani, M. And Sengupta, R. 1986. Successful Women Entrepreneurs – Their Identity,
Expectations and Problems: An Exploratory Research Study. Research Report Serial Two, National
Institute for Entrepreneurship and Small Business Development / Management Development Institute
Collaboration. New Delhi.
Yadav, H. 1998. Problems in Women Entrepreneurship in Eastern Madhya Pradesh.in C. Swarajya Laxmi (ed.)
Women Entrepreneurship in India: Problems and Prospects. New Delhi: Discovery Publishing House.
ANNEXURES
37
2013-2014
District Name Target Physical Achievement Physical Percentage Achievement
Bangalore Urban 1410 731 51.84397163
Bangalore Rural 182 302 165.9340659
Belgaum 847 493 58.20543093
Bijapur 382 94 24.60732984
Bagalkot 337 344 102.0771513
Bellary 450 388 86.22222222
Bidar 298 284 95.30201342
Chamarajnagar 185 84 45.40540541
Chitradurga 203 180 88.66995074
Chikamagaluru 205 173 84.3902439
Chikballapur 230 252 109.5652174
Davanagere 357 271 75.91036415
Dakshina Kannada 380 314 82.63157895
Dharwad 326 209 64.11042945
Gadag 189 100 52.91005291
Kalburgi 470 387 82.34042553
Hassan 320 379 118.4375
Haveri 282 212 75.17730496
Kolar 280 305 108.9285714
Koppala 249 629 252.6104418
Kodagu 100 105 105
Mandya 325 306 94.15384615
Mysuru 544 477 87.68382353
Raichur 345 420 121.7391304
Ramanagara 139 197 141.7266187
Shivamogga 317 275 86.75078864
Tumakuru 478 422 88.28451883
Uttar Kannada 255 219 85.88235294
Udupi 203 206 101.4778325
Yadagir 212 195 91.98113208
2014-2015
District Name Target Physical Achievement Physical Achievement Percentage
Bangalore Urban 1760 1760 100
Bangalore Rural 185 325 175.6756757
Belgaum 906 1410 155.6291391
Bijapur 411 355 86.37469586
Bagalkot 363 400 110.1928375
Bellary 483 550 113.8716356
Bidar 321 312 97.19626168
Chamarajnagar 195 165 84.61538462
Chitradurga 316 337 106.6455696
Chikamagaluru 219 202 92.23744292
Chikballapur 238 252 105.8823529
Davanagere 368 435 118.2065217
Dakshina Kannada 406 377 92.85714286
Dharwad 351 308 87.74928775
Gadag 202 213 105.4455446
Kalburgi 484 434 89.66942149
Hassan 345 247 71.5942029
Haveri 300 371 123.6666667
Kolar 293 300 102.3890785
Koppala 265 240 90.56603774
Kodagu 108 121 112.037037
Mandya 347 298 85.87896254
Mysuru 573 509 88.83071553
Raichur 368 426 115.7608696
Ramanagara 207 212 102.4154589
Shivamogga 337 303 89.91097923
Tumakuru 511 520 101.7612524
Uttar Kannada 274 226 82.48175182
Udupi 238 161 67.64705882
Yadagir 224 225 100.4464286
2015-2016
District Name Target Physical Achievement Physical Percentage Achievement
Bangalore Urban 1887 1764 93.48171701
Bangalore Rural 198 243 122.7272727
Belgaum 970 865 89.17525773
Bijapur 440 366 83.18181818
Bagalkot 388 383 98.71134021
Bellary 519 579 111.5606936
Bidar 343 349 101.7492711
Chamarajnagar 209 232 111.0047847
Chitradurga 339 323 95.28023599
Chikamagaluru 236 231 97.88135593
Chikballapur 254 254 100
Davanagere 396 380 95.95959596
Dakshina Kannada 433 392 90.53117783
Dharwad 375 363 96.8
Gadag 218 176 80.73394495
Kalburgi 521 491 94.24184261
Hassan 367 390 106.26703
Haveri 322 295 91.61490683
Kolar 315 313 99.36507937
Koppala 286 359 125.5244755
Kodagu 116 151 130.1724138
Mandya 371 333 89.7574124
Mysuru 613 702 114.5187602
Raichur 397 486 122.418136
Ramanagara 220 216 98.18181818
Shivamogga 362 443 122.3756906
Tumakuru 548 529 96.53284672
Uttar Kannada 294 308 104.7619048
Udupi 254 103 40.5511811
Yadagir 242 241 99.58677686
2013-2014
District Name Target Economic Achievement Economic Percentage Achievement
Bangalore Urban 125.57 109.98 87.58461416
Bangalore Rural 16.21 25.39 156.6317088
Belgaum 75.43 41 54.35503115
Bijapur 34.02 7.76 22.8101117
Bagalkot 30.01 30.1 100.2999
Bellary 40.08 24.56 61.27744511
Bidar 26.54 25.31 95.36548606
Chamarajnagar 16.48 7.45 45.20631068
Chitradurga 18.08 15.51 85.78539823
Chikamagaluru 18.26 14.97 81.98247536
Chikballapur 20.48 21.44 104.6875
Davanagere 31.79 23 72.34979553
Dakshina Kannada 33.84 16.2 47.87234043
Dharwad 29.03 16.78 57.80227351
Gadag 16.83 14.55 86.45276292
Kalburgi 41.86 32.02 76.49307215
Hassan 28.5 31.06 108.9824561
Haveri 25.12 17.43 69.38694268
Kolar 24.94 26.4 105.8540497
Koppala 22.18 55.38 249.6844004
Kodagu 8.91 8.2 92.03142536
Mandya 28.95 25.31 87.42659758
Mysuru 48.45 41.12 84.87100103
Raichur 30.73 33.97 110.5434429
Ramanagara 12.38 16.5 133.279483
Shivamogga 28.23 22.8 80.76514346
Tumakuru 42.57 35 82.21752408
Uttar Kannada 22.71 16.03 70.58564509
Udupi 18.08 16.63 91.9800885
Yadagir 18.88 16.21 85.85805085
2014-2015
District Name Target Economic Achievement Economic Achievement Percentage
Bangalore Urban 156.33 150.32 96.15556835
Bangalore Rural 16.44 29.18 177.4939173
Belgaum 80.46 14.37 17.85980611
Bijapur 36.51 29.66 81.23801698
Bagalkot 32.24 34.46 106.8858561
Bellary 42.89 41.48 96.7125204
Bidar 28.52 21.57 75.63113604
Chamarajnagar 17.31 14.38 83.073368
Chitradurga 28.09 29.17 103.8447846
Chikamagaluru 19.44 17.26 88.78600823
Chikballapur 21.14 22.84 108.0416272
Davanagere 32.66 35.83 109.7060625
Dakshina Kannada 36.09 27.4 75.92130784
Dharwad 31.2 25.08 80.38461538
Gadag 17.93 17.9 99.83268265
Kalburgi 42.97 36.75 85.52478473
Hassan 30.64 29.63 96.70365535
Haveri 26.64 30.4 114.1141141
Kolar 26.02 26.4 101.4604151
Koppala 23.53 19.59 83.25541861
Kodagu 95.87 9.93 10.35777616
Mandya 30.83 21.9 71.03470645
Mysuru 50.9 43.83 86.11001965
Raichur 32.66 33.74 103.3067973
Ramanagara 18.38 17.45 94.94015234
Shivamogga 29.93 24.47 81.75743401
Tumakuru 45.38 45.04 99.25077126
Uttar Kannada 24.35 17.77 72.97741273
Udupi 21.14 13.08 61.87322611
Yadagir 19.87 19.93 100.3019628
2015-2016
District Name Target Economic Achievement Economic Percentage Achievement
Bangalore Urban 166.94 156.9 93.98586318
Bangalore Rural 17.5 20.49 117.0857143
Belgaum 85.8 76.12 88.71794872
Bijapur 39 30.47 78.12820513
Bagalkot 34.34 32.27 93.97204426
Bellary 45.92 48.95 106.5984321
Bidar 30.4 30.03 98.78289474
Chamarajnagar 18.49 20.47 110.7084911
Chitradurga 30 28.16 93.86666667
Chikamagaluru 20.9 20.09 96.12440191
Chikballapur 22.47 22.73 101.1570984
Davanagere 35.03 32.82 93.6911219
Dakshina Kannada 38.3 31.59 82.48041775
Dharwad 33.18 30.3 91.32007233
Gadag 19.31 14.9 77.16209218
Kalburgi 46.11 42.83 92.88657558
Hassan 32.46 33.37 102.8034504
Haveri 28.47 25.01 87.84685634
Kolar 28 28.03 100.1071429
Koppala 25.31 29.8 117.7400237
Kodagu 10.25 12.3 120
Mandya 32.83 27.69 84.34358818
Mysuru 54.21 61.33 113.1341081
Raichur 35.14 31.95 90.92202618
Ramanagara 19.44 18.41 94.70164609
Shivamogga 32.03 35.4 110.5213862
Tumakuru 48.47 45.22 93.29482154
Uttar Kannada 26 24.36 93.69230769
Udupi 22.47 8 35.60302626
Yadagir 21.43 21.4 99.86000933
Repayment of principle plus interest is demanded at the same time? Or payment of the
Q12 interest amount in the first instance is considered sufficient?
Q13 Does the unpaid interest gets cumulated to the principle amount?
Q14 Does the KSWDC pay the subsidy to the bank on time?
50
3 (e) Who takes the financial decisions at home? self husband elders and family others ( specify)
Is the loan amount sufficient to run the
3 (f) enterprise? yes no
3 Repayment
4 (a) Is the repayment possible on time? yes no
Is the profit after repayment of loan sufficient to
4 (b) keep the enterprise running? yes no
What are the problems you face while
approaching the authority In case of any Don’t know who authorities are long waiting time
4 problem? to go to uninterested affects works hours others ( specify)
What changes should be made to make the
5 scheme more effective
51
33 Cane & Bamboo articles manufacture 34 Job typing & photocopying service
41 Soap oil, Soap powder & Detergent cake 42 Fax paper manufacture
manufacture
89 Gym Centre
Source: http://www.karnataka.gov.in/kswdc/Pages/Udyogini-Scheme.aspx
53
There should be proper checking on whether the loan amount is used for the said
business/industry mentioned in the application. This checking is done by the bank.
CDPO should get the certificate indicating the ‘usefulness of the money disbursed’
from the bank and the certificates should be mandatorily submitted to the office.
Deputy Directors/Assistant directors should check whether all the people who got the
loan have created any assets out of it by visiting the field and also verify whether the
loan is used dutifully or not and a report should be submitted.
If the loan amount is misused, measures should be taken to collect back the amount.
Measures should be taken that very poor, widows, women in distress, handicapped and
skilled workers, SHG’s associated with Streeshakti and Swashakti programmes take
advantage of this scheme.
Child Welfare Officers, Deputy Director/Assistant Director should take personal
responsibility to ensure this scheme is followed and implemented as per the rules.
The loan application amount of Rs. 5 should be collected and the collected amount
should be paid by September of each year.
Age of the applicants has to be between 18-45.
Income group – Applicant’s (women) annual income should not exceed Rs. 40,000/-
per annum and the relevant income certificate from the Tahsildars office to be verified.
There is no income limit check for women in distress, handicapped women and widows.
Application for loans for already existing businesses/industries is not to be made under
the scheme. They are rejected.
The income certificate should be classified on category as General, SC/ST which should
be certified by the concerned Tahsildars. There is no need to submit income certificate
for women in distress, widows and handicapped women. But there should be a
confirmation certificate saying the woman is in distress or a widow or a handicapped
woman. A recent photograph must also be submitted along with the form.
Very poor, widows, women in distress, handicapped women and skilled workers are
given priority in this scheme. Also the candidates who have taken training from this
department or any other professional/skill development authority, will be given priority.
The others who are given priority are the women enrolled under the Swashakti scheme
which is being implemented from this corporation and the Streeshakti scheme which is
being implemented from the respective state department. Both the schemes are operated
with the help of World Bank to strengthen the development of women with the help of
Self Help Groups (SHGs).