Gujarat - National Scheduled Castes Finance and Development

Transcription

FINAL REPORT
ON
EXTERNAL INSPECTION OF WOMEN
BENEFICIARIES/ UNITS FINANCED BY NSFDC
((Study of Beneficiaries benefitted in
2010-11 & 2011-12)
IN THE STATE OF
GUJARAT
Prepared for :
NATIONAL SCHEDULED CASTES
FINANCE AND DEVELOPMENT
CORPORATION (NSFDC)
DELHI
(2012-2013)
Submitted by :
HARDICON
HARDICON Limited
(A Joint Venture of IFCI Ltd., SIDBI, SBI, PSU Banks & State Financial Corporations)
D-28, Flatted Factories Complex,
Jhandewalan, New Delhi 110055
www.hardicon.co.in
hardicon@yahoo.co.in
INDEX
Chapter
Particulars
Page
Executive Summary
1
Chapter 1
Introduction
8
Chapter 2
Gujarat – SC Profile
20
Chapter 3
Profile of Beneficiaries
26
Chapter 4
Project Details
35
Chapter 5
Project Performance
43
Chapter 6
Success Stories
57
Annexures
LIST OF CHARTS
Particulars
Page
Age wise Distribution of beneficiaries
27
Distribution by previous activity
30
Operational Units
43
ACKNOWLEDGEMENTS
We are grateful to National Scheduled Castes Finance and
Development Corporation, (NSFDC), New Delhi in particular to The
Chairman and Managing Director, NSFDC for entrusting us the
Impact Assessment Study of Women Beneficiaries financed under
NSFDC schemes in the state of Gujarat.
We are also thankful to the officials of NSFDC, Gujarat Scheduled
Castes Development Corporation (GSCDC) for providing valuable
insight and data on implementation of the schemes.
Last but not the least, we acknowledge our sincere thanks to all the
women beneficiaries of NSFDC schemes, who extended full cooperation and assistance during the course of field survey.
Managing Director
HARDICON Limited
Dated : 30.03.2013
EXECUTIVE SUMMARY
This chapter provides a summary of the major findings and
conclusions derived from the data presented in the foregoing
chapters and the suggestions with respect to improving the
implementation of the schemes.
Survey Findings
1.
As per the details provided by NSFDC, approximately 3872 Women
Scheduled castes were extended financial assistance under NSFDC
schemes in the State of Gujarat during the period 2010-11 and
2011-12. The women beneficiaries to whom the loans have been
disbursed by the Gujarat Scheduled Castes Development
Corporation (GSCDC) in the state of Gujarat are spread across the
State. However, the sample size considered is 6% of the total units
of Women Beneficiaries as indicated by NSFDC for Regular
Schemes (128 nos.), Micro Credit Finance (1044 nos.) and Mahila
Samriddhi Yojana (2700 nos.). The sample has been considered in
the districts of Ahmedabad, Mehsana, Patan, Sabarkantha,
Banaskantha and Gandhi Nagar having large concentration of
beneficiaries in order to elicit representative outcome of the entire
schemes vis-a-vis beneficiaries. Keeping in view the actual funding
by SCA under MSY scheme, the sample beneficiaries visited /
contacted in the State under MSY were 232.
2.
The financial assistance has been provided mainly Mahila
Samriddhi Yojana (MSY). The assistance extended to each
beneficiary under MSY Schemes is between Rs.0.11 lakh, upto Rs.
0.50 lakh.
3.
The age of beneficiaries at the time of survey ranged between 19
years to 60 years. Maximum number i.e. 51% of the beneficiaries
are in the age group of 36-50 years followed by 37% in the age
group of 26-35 years. The maximum age of beneficiary with 55 years
was provided assistance under the scheme. (Refer Para 3.1)
4.
99% of the units are operated from premises owned by the family of
women beneficiaries. 48% units are set-up in rural areas and
remaining 52% units are set-up in semi-urban and urban areas.
(Refer Para 4.2)
5.
Only 3% of beneficiaries are either graduates or post graduates.
42% of the beneficiaries are having qualification between 1st to 5th
standard, 29% between 6th to 10th standard, 6% are having plus two
qualification and remaining 19% have no formal education.
Preference has been given to beneficiaries having formal education
which is due to considerable literacy level among schedule castes in
Gujarat. ( Refer Para 3.3 )
6.
75% of women beneficiaries are married, 10% of women
beneficiaries are un-married and remaining 15% of women
beneficiaries are Widow. The average family size of the beneficiary
is 5 persons. ( Refer Para 3.2)
7.
93% of women beneficiaries were house-wives /unemployed
/student before availing financial assistance, whereas only 7%
beneficiaries in one way or other were already involved in casual
employment on daily wages before availing loans under NSFDC’s
schemes. (Refer Para 3.5 )
8.
Nearly 66% of women beneficiaries’s family monthly income was
less than Rs.2000/- before availing financial assistance under
NSFDC schemes where as 34% had family earnings around Rs.
3000/- per month. ( Refer Para 3.6 )
9.
The living conditions of the beneficiaries at the time of survey, in
terms of condition of house, source of water, toilet facility, medical
facilities, etc are found to be satisfactory. ( Refer Para 3.7 )
10.
Retail trading, Agricultural & Allied Activities, manufacturing and
Service
emerged
as
the
major
activities
selected
by
the
beneficiaries, with 60%, 17%, 17, and 17% respectively opting for
the same.
11.
The
entire
( Refer Para 4.1 )
beneficiaries
(100%)
have
ownership
as
sole
proprietorship. ( Refer Para 4.2 )
12.
On an average, the loan component accounted for 85% of the
project cost. The remaining funds were provided to the beneficiaries
by SCDC and also arranged by promoter’s contribution. SCA is
disbursing subsidy to the beneficiaries after liquidation of term loan.
13.
The average project cost per unit works out at Rs 0.30 lakh to 0.35
lakh MSY Scheme (Refer Para 4.3).
14.
66% of the beneficiaries were sanctioned loan in less than one
month from the date of application, 32% between 1 month to 2
months. 2% of the beneficiaries got their loan sanctioned between 2
to 3 months. ( Refer Para 4.4 )
15.
Of the units established by women beneficiaries under the
schemes of NSFDC, 51% are operational and remaining 49%
units are closed. Out of the 49% closed units, retail trading
units constitute 27% of total units surveyed. The main reasons
for closure of operation of the units are poor demand for
products/services (51%), Shortage of working capital (28%) and
others like family problems, self long illness, death of live stock or
illness etc. (21%). ( Refer Para 5.1 )
16.
The annual average revenue and net profit generated from the units
set up, works out to Rs. 0.55 lakh and Rs. 0.20 lakh respectively.
There has been increase though marginal in income of the
beneficiaries after setting up their ventures/units. However, it is
observed that revenue and net profit generated are not in proportion
to the level of cost of schemes.( Refer Para 5.2 )
17.
90% of the total units are being managed by the women
beneficiaries themselves and remaining 10% are taking help of
Husband or family members.
18.
From the survey, it emerged that 24% beneficiaries are regular in
their repayment of loan installments, 75% of the beneficiaries have
overdues and 1% of the beneficiaries have fully paid / A/c closed.
(Refer Para 5.4 )
19.
The main reasons for non-repayment are Poor demand for
services/products/
Inadequate
generation of
funds from
the
operations, Shortage of raw materials, closure of units, family
problem, Self long illness and death of live stocks, etc.
20.
Only 38% of the beneficiaries have expressed to expand/diversify
their activities even though the overall feasibility of operations have
not been satisfactorily. ( Refer Para 5.9 )
21.
17%, 37%, 14% and 32% of the beneficiaries got the information
about the schemes through SCDC office, Newspaper, Community
Leaders/NGO and friends & relatives respectively. (Refer Para
5.10).
22.
There is improvement in household income and overall
standard of life of majority of the beneficiaries and almost 100%
of beneficiaries are of the opinion that the scheme has been
useful to them. (Refer Para 5.11 )
Recommendations
The schemes, though fairly successful in achieving its objectives,
can be improved to make the implementation of the scheme more
effective. Based on the details provided in the report, the following
recommendations may be considered.
A few of the eligibility criteria may be modified as:-
1)
The Project cost/loan amount of MCF/MSY schemes may be revised
from present level of Rs. 30,000/- to Rs. 50,000/- & Rs.60,000/- in
view of increase in various components of project cost.
2)
During the Gujarat Visit, It was found that one of the reasons for
closure of units is inadequate need based working capital / funds.
It is recommended that Schemes may be reworked with minimum
feasible operational funds to ensure effective and smooth running of
units.
3)
Awareness
camps
may also
applications for the Loan.
be
organised
before
seeking
3)
During the survey, it was observed that the beneficiaries lacked indepth knowledge about the successful operations of their activity. It
is suggested that entrepreneurial training be provided to all those
beneficiaries, who have been sanctioned loans, under NSFDC
schemes. The training course contents/modules should be done by
laying more emphasis on practical aspects, imparting training
through audio-visual aids in the local dialect and imparting
Motivational inputs which would comprise of psychological exercises
aimed
at
developing
increasing
positive
the
participants
entrepreneurial
understanding
and
personality/behavior.
in
The
motivational inputs would encourage the entrepreneurs to run the
activity efficiently and with a sense of devotion. In the bigger districts
training programme can be organised at Block level to avoid
unnecessary travelling of applicants. Some potential / suggestive /
recommended training trades are given below:
1)
Soft Toys Manufacturing
2)
Retail Sales
3)
Health Care
4)
Beauty Parlour
5)
Cooking/Food Processing
4)
As observed during visit to Gujarat, the loan may be provided in the
following fields :
5).
1)
Restaurants
2)
Fast Food Centre
3)
Gym / Health Care Centre
Powers should be given to the District Level Managers of SCDC for
sanction/disbursement of loan to a certain acceptable amount.
CHAPTER - 1
INTRODUCTION
1.1
1.1.1
Prologue
The problem of social and economic development especially of
Scheduled Castes (SC) has become a challenge before the
country. Besides, the higher growth rate of un-employment
amongst the educated people has made the situation more
alarming because on one side, being educated, they do not want to
work in farm sector and unorganised private sector and on the
other hand they do not have sufficient capital to start income
generating activities. Therefore, they are forced to remain
economically and socially backward and unemployed.
1.1.2
Financing of micro projects/activities has gained significance as an
extremely useful and effective instrument of promoting small
enterprises, entrepreneurial capabilities and poverty alleviation. It
helps to bridge the gap that conventional commercial banks and
financial institutions are unable to do. Such financing reaches the
poorest of the poor in improving their economic conditions enabling
them to live with dignity and self-respect. In other words, it acts as
an important tool to facilitate improvement of the poor and
backward people in the society. Although the main motive of the
concept is poverty alleviation, it includes the spirit of small savings,
fellow feelings and co-operation, formation of self-help group, selfemployment generation and confidence building for living a
dignified life. The beneficiaries of such financing activities are
dealing in the myriad variety of activities who seek or sustain their
livelihood viz. petty manufacturers of wide ranging items, home
based producers engaged in occupations associated with farm and
non-farm sector, small activities like Auto, Jeep (Taxi),
Beauty
Parlour, Kirana Shop, Cloth/Vessel/Vegetable Vendors, Petty
business, Tea Stall, Shuttering, Tailoring, Flour Mill (Atta Chakki),
Furniture, shoe making/repairing, cycle repairing, dairy unit,
cow/buffaloes/ etc. The concessional Project Finance as well as
Micro Finance helps the beneficiaries in their working capital,
inventory supplies, furniture & fixtures and tools and equipment.
The aid of micro-finance makes it possible to give poor people
easy access to financial services especially when micro-financing
institutions are located in their own areas/ neighbourhood.
1.2
NSFDC’s Schemes
To promote economic and social development of the SC’s living in
the country, National Scheduled Castes Finance and Development
Corporation (NSFDC) is one of the agencies who are playing a key
role in poverty amelioration amongst the SCs using micro-finance
as an important instrument. NSFDC was set up in February 1989
under
the
Ministry
of
Social
Justice
and
Empowerment,
Government of India.The major activities carried out by NSFDC
are:
a)
c)
Financing income-generating schemes for SCs through
the State Channelising Agencies (SCAs).
Providing Micro Credit Finance to the target groups
through the SCAs.
Providing grants for skill development programmes SCAs.
d)
Providing advisory services to target groups and SCAs.
e)
Upgrading the skill levels of the SCAs.
f)
Providing grants to the SCAs for computerization.
b)
These activities are carried through 36 State Channelising Agencies
(SCA) and other recognized institutions nominated by the State/
Union Territory governments spread across almost all the states in
the country, by implementing different financing schemes.
i)
Eligibility Criteria
a)
The beneficiaries carried under the scheme should be from
Scheduled Caste community.
b)
Annual family income of the beneficiary/members of co-operative
society or any other forms of legal association should not exceed
Double the Poverty Line (DPL) income limit (presently Rs. 81,000/p.a. for rural areas and Rs. 1,03,000/- p.a. for urban areas.)
c)
Individuals/partnership firms/ co-operative societies / any other forms
of legal associates are eligible to undertake income generating
activities. However, proposals submitted by partnership firms, cooperative societies and any other firms of legal associations are
considered subject to the following:
 All members belong to scheduled cast community.
 Annual family income of each member/applicant should be below
double the poverty line income limit.
Financing Pattern – Schemes
ii)
a)
Term Loan
Quantum of Assistance
NSFDC provides term loan upto 90% of the cost of project,
subject to the condition that the SCAs contribute their share of
assistance as per their schemes and also provide the required
subsidy besides tying up of the financial resources from other
sources available.
Unit Cost
NSFDC provides term loan for project(s) units(s) costing upto Rs.
30.00 lakh.
Promoter’s (proposed Beneficiary) Contribution
SI.
No.
Project/Unit Cost
(a)
For Projects costing upto Rs. 1.00
Minimum Promoter’s
Contribution as % age of
Project cost
Not to be insisted upon
lakh
(b)
For Project costing above Rs. 1.00
2%
lakh and upto Rs. 2.50 lakh
(C)
For Project costing above Rs. 2.50
3%
lakh and upto Rs. 5.00 lakh.
(d)
For Projects costing above Rs. 5.00
5%
lakh and upto Rs.10.00 lakh.
(e)
7%
(f)
10%
Note: However, under the Central – Sector Scheme of Special
Central Assistance to the Special Component Plans, the Below
Poverty line Beneficiaries are eligible for subsidy @ Rs. 10,000/- or
50 % of the unit cost, whichever is less.
Interest rates
SI.
Amount of Loan per unit/profit Centre
Interest per Annum
(NSFDC’s Share)
No.
(a)
Upto Rs. 5.00 lakh
(b)
Above
Rs.
5.00
lakh
and
Chargeable to
SCAs
Beneficiaries
3%
6%
upto
5%
8%
6%
9%
7%
10%
Rs.10.00 lakh.
(c)
(d)
The above rates of interest are not on slab basis.
Repayment period
Term loan is to be repaid in quarterly/ half yearly installments, within
a maximum period of 10 years (including moratorium period).
b)
MICRO-CREDIT FINANCE SCHEME
(i)
NSFDC provides loans upto 90% of the project cost. However, under
the Central-Sector Scheme of Special Central Assistance to the
Scheduled Castes Sub Plan, the Below Poverty Line (BPL)
beneficiaries are eligible for subsidy @ Rs. 10,000/- or 50% of the
unit cost, whichever is less. Wherever the beneficiaries are not
provided subsidy, the SCAs shall provide their share of margin
money.
(ii)
Unit Cost
NSFDC provides Micro-Credit Finance for unit costing upto Rs.
50,000/-.
(iii)
Interest Rates
NSFDC shall charge the interest @ 2% from the SCAs, which in
turn, shall charge 5% from the Beneficiaries.
(iv)
Repayment Period
Loan under Micro-Credit Finance is to be repaid in quarterlyinstallments within 3 (three) years from the date of each
disbursement, (including the moratorium period of 90 days for fund
utilization).
On repayment of loans under Micro-Credit, through the concerned
SCA, the eligible beneficiaries can avail any loan under NSFDC
schemes.
C)
MAHILA SAMRIDDHI YOJANA
(i)
NSFDC provides loans upto 90% of the project cost. However, under
the Central-Sector Scheme of Special Central Assistance to the
Scheduled Castes Sub Plan, the Below Poverty Line (BPL)
beneficiaries are eligible for subsidy @Rs. 10,000/- or 50% of the
unit cost, whichever is less. Wherever the beneficiaries are not
provided subsidy, the SCAs shall provide their share of margin
money.
(ii)
UNIT COST
NSFDC provides loans under Mahila Samriddhi Yojana for units cost
upto Rs. 50,000/-.
(iii)
INTEREST RATES
NSFDC shall charge interest @ 1% p.a. from the SCAs, which in
turn shall charge 4% p.a. from the Beneficiaries.
(iv)
Repayment Period
Loan under Mahila Samriddhi Yojana is to be repaid in quarter
installments within three years (including the moratorium period of
90 days for fund utilization) from the date of each disbursement to
SCAs.
On repayment of loan under Mahila Samriddhi Yojana through the
concerned SCA, the eligible beneficiaries can avail any loan under
NSFDC schemes.
(v)
Disbursement of Funds
Funds are disbursed by NSFDC to only SCAs and not to
beneficiaries on specific request.
Disbursement is subject to
fulfillment of conditions like execution of various loan agreements by
respective SCAs, providing State Govt. Guarantees, letter of intent,
etc.
vi)
Fund Utilisation
SCAs are expected to utilise funds drawn from NSFDC within 90
days of its release.
vii)
Progress Report
The SCAs shall send scheme wise progress reports on the utilisation
of the NSFDC funds, each quarter as per prescribed format.
viii)
Recall of Unutilized Money
The NSFDC can recall the amounts lying unutilized with SCAs
beyond 180 days.
ix)
Security
SCAs are supposed to provide Government Guarantee to NSFDC
for the funds sanction to them.
1.3
Origin
NSFDC and Ministry of Social Justice and Empowerment,
Government of India, have signed a Memorandum of Understanding
(MOU), which has a parameter of performance on evaluation of the
schemes of NSFDC for the beneficiaries extended financial
assistance under Regular Scheme, Micro Credit Finance & Mahila
Samriddhi Yojna during the year 2010-11 and 2011-12. In order to
get feed back on implementation of its schemes for women
beneficiaries in the State of Gujarat, NSFDC assigned HARDICON
Ltd. to carry out a survey of a sample of beneficiaries to assess the
impact of its schemes viz. General Term Loan (Regular Scheme),
Micro Credit Finance & Mahila Samridhi Yojna. The present report
assesses the impact of these schemes in the state of Gujarat.
1.4
Objective of Study
The objective of the Impact Assessment Study of Women
Beneficiaries of the various NSFDC schemes in the state of Gujarat
include :
a)
Development of key indicators for impact assessment
b)
Detailed analysis of the life- cycle of the sanctioned projects in
terms of
(i)
(ii)
(iii)
(iv)
Their reach to the real beneficiaries
Sanction and disbursement process
Level of technology
Viability
(v)
Linkages
(vi) Post disbursement problems
(vii) Sustainability of returns and
(viii) Repayment by the beneficiaries to the SCAs.
c)
The extent to which the schemes have addressed the goal of
generating sustainable income at household level.
1.5
Sample Size
Total number of Women beneficiaries to whom financial assistance
has been provided under NSFDC’s schemes in the State of Gujarat
stood at Approx. 3872 for the years under study and pertain to
almost all the districts of the state. The details of sample women
beneficiaries contacted scheme wise as well as district & trade-wise
and from whom data could be elicited are given below:-
Mahila Samriddhi Yojana
S.No.
District
Retail
Transport
/ Service
Mfg.
(Numbers)
Agricultural Others
& Allied
Activities
-
1.
Ahmedabad
54
4
-
2.
Mehsana
8
2
6
7
-
3.
Patan
8
-
20
3
-
4.
Sabarkantha
13
2
8
21
-
5.
Banaskantha
11
4
7
8
-
6.
Gandhinagar
44
1
-
1
-
138
13
41
40
-
Total
Total = 232
The above beneficiaries have been provided assistance through
SCA viz. Gujarat Scheduled Castes Development Corporation
(GSCDC) in the state of Gujarat. The overall details of beneficiaries,
district-wise and scheme wise contacted and from whom the feed
back have been received are given below :-
YEAR-WISE DETAILS OF BENEFICIARIES CONTACTED
(Numbers)
S.No.
DISTT.
2010-11
2011-12
TOTAL
1
Ahmedabad
33
25
58
2
Mehsana
-
23
23
3
Patan
-
31
31
4
Sabarkantha
26
18
44
5
Banaskantha
1
29
30
6
Gandhinagar
-
46
46
Total
60
172
232
SCHEME-WISE DETAILS OF BENEFICIARIES CONTACTED
(Numbers)
S.
No.
1
DISTT.
Regular
MCF
MSY
TOTAL
Ahmedabad
-
-
58
58
2
Mehsana
-
-
23
23
3
Patan
-
-
31
31
4
Sabarkantha
-
-
44
44
5
Banaskantha
-
-
30
30
6
Gandhinagar
-
-
46
46
-
-
232
232
Total
1.6
Methodology
The study is based on limited desk research followed by intensive
field survey efforts. In the first stage, limited desk research was
carried out, in order to develop key indicators for impact
assessment. The desk research primarily depended on the
information/data made available by beneficiaries, SCAs, office of
NSFDC and the expertise of HARDICON. Based on these a
questionnaire was designed by NSFDC for collecting the data from
the beneficiaries and the sample questionnaires given at Annexure-I
has been supplied by NSFDC to HARDICON.
The second stage included formation of a team of properly trained
in-house investigators for undertaking the survey. The team visited
the districts offices as well as Head Office of Gujarat Scheduled
Castes Development Corporation (GSCDC) in the state of Gujarat
to collect the names and addresses of beneficiaries along with the
activities for which loans were availed by them. Based on the
information/data thus collected, an intensive field survey was
undertaken by field investigators. The survey was conducted in such
a way, so as to get representation of all major activities and was
undertaken in those districts which had pre-dominant number of
beneficiaries to elicit information / data for deriving overall
representation of the outcome of all the schemes. The officials of
HARDICON randomly verified the questionnaires filled by the
investigators. Finally, all the information gathered was arranged and
analysed to arrive at conclusions as required under the objective of
the study. Findings of the study are systematically complied and
presented in the format of a report.
1.7
Chapter Scheme
The report is presented in five Chapters. Chapter-1 gives
introduction of the report, Chapter-2 provides the Scheduled Castes
Profile / socio-economic scenario of Gujarat State, Chapter–3
provides the profile of the beneficiaries, Chapter–4 provides the
project details Chapter–5 provides details of performance of the
units set up whereas Chapter–6 provides details of some successful
beneficiaries (Success Stories).
CHAPTER – 2
2.0
GUJARAT : SCHEDULE CASTES PROFILE
LOCATION OF GUJARAT
2.1
Gujarat, one of India's most prosperous states lying in Western India is
popular not only for being the birth place of Mahatma Gandhi, but also the
site of the ancient Indus Valley Civilization. The capital of Gujarat is
Gandhinagar, with Ahmedabad as its largest city. The population of
Gujarat is 60,383,628 (2011 census) and the state covers an area of 1,
96,024 sq km and shares its border with the states of Rajasthan, Madhya
Pradesh and Maharashtra. The state has a literacy rate of 79.31 percent.
Gujarat is the 7th largest state in India in terms of area. The 196,024 sq
kms of area in the state is divided into 26 districts at present. The state of
Gujarat had 17 districts when it was formed in the year 1960.
GUJARAT – AT A GLANCE
Area Total Population -
50671017
Male
26385577
Female
24285440
Rural
31740767
Urban
18930250
Literacy Rate Scheduled Caste Population SC Literacy Rate -
69.92
3592715
70.5%
Male
1866283
Female
1726432
Districts -
2.2
1,96,024 sq. k
26
Scheduled Castes Profile of the State
 Population :
The total population of Gujarat in 2001 Census was 50,671,017. The
percentage of District-wise Scheduled Castes Population is given below :
% AGE OF DISTRICT-WISE SCHEDULED CASTES POPULATION
– GUJARAT
S.No
1.
District
Kachchh
Percentage (%)
11.7
2.
Banaskantha
10.8
3.
Patan
9.9
4.
Mehsana
8.1
5.
Sabar Kantha
8.3
6.
Gandhi Nagar
8.7
7.
Ahmedabad
10.7
8.
Surednernagar
11.0
9.
Rajkot
7.7
10.
Jamnagar
8.1
11.
Porbandar
9.0
12.
Junagadh
9.6
13.
Amreli
8.3
14.
Bhavnagar
5.8
15.
Anand
5.3
16.
Kheda
5.2
17.
Panchmahals
4.6
18.
Dahod
2.0
19.
Vadodara
5.6
20.
Narmada
2.0
21.
Bharuch
4.5
22.
Surat
3.4
23.
Dangs
0.5
24.
Navsari
3.2
25.
Valsad
2.6
Total Scheduled Castes population in Gujarat is 3592715 persons
comprising 1866283 males and 1726432 females. Out of the total SC
Population, 2180441 persons are residing in rural area and remaining
1412274 persons are living in Urban area.
 Sub-Castes :
The Government of Gujarat has approved the sub-castes of Scheduled caste
population in the State and the details of same are given below :
LIST OF SUB-CASTES OF SCHEDULE CASTE IN GUJARAT
S.NO.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
SUB-CASTE
Ager
Bakad, Bant
Bawa-Dedh Debh-Sadhu
Bhambi, Bhambhi, Asadaru,
Asodi,
Chadia, Chamar, Chambhar
Chamar-Ravidas, Chamgar,
Haralayya, Harali
Khalpa, Machigar, Mochigar,
Madar, Madig, Mochi, Nalia,
Telegu Mochi, Kamati Mochi,
Ranigar, Rohidas, Rohit
Samgar, Bhangi, Mehtar,
Olgana, Rukhi, Malkana,
Halalkhor, Lalgegi, Balmiki,
Korar, Zadmalli, Barwashia,
Barwasia, Jamphoda, Rushi
Zampada, Zampda, Valmiki
Chalvadi, Channayya,
S.NO.
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
SUB-CASTE
Chenna Dasar, Holaya Dasar
Chenva, Sedma, Rawat
Shemalia Thori
Tirgar, Tirbanda, Turi, Turi Barot
Dedh Barot, Balahi, Balai,
Chamar, Chikwa, chikvi
Koli, Kori, Kotwal
Dangashia, Dhor, Kakkayya,
Kankayya, Garmantang,
Garoda, Garo, Haller
Halsar, Haslar, Hulasvar,
Halasvar, Holar, Valhar,
Holaya, Holer, Lingader,
Mahar, Taral, dhegu, Megu
Mahyavanshi, Dhed, Dhedh,
Vankar, Maru Vankar, Antyaj
Mang, Matang, Minimadig,
Mukri, Nadia, Hadi
Pasi, Senva, Shenva,
 Literacy :
According to 2001 Census, the overall literacy percentage of
Scheduled castes in Gujarat was 70.5% and the female literacy rate
is 57.6%.
 Religion :
In 2001 Census, out of the SC Population of Gujarat, 3585380 are
Hindus constituting 99.8%. Besides, 7144 SCs are Budhists and
191 Sikhs accounting for negligible percentage.
CHAPTER – 3
PROFILE OF WOMEN BENEFICIARIES
3.0
This Chapter details the profile of the women beneficiaries in the
State of Gujarat who availed financial assistance under the schemes
of NSFDC.
3.1
Age
The age wise distribution of the women beneficiaries is shown in the
table and chart below:
Table 3.1
Distribution by Age
Age
Less than 18 years
Number
%
-
-
19 – 25 years
21
9%
26 – 35 years
86
37%
36 – 50 years
119
51%
51 – 60 years
6
3%
Above 60 year
-
-
232
100%
Total
Age wise Distribution of Women Beneficiaries
51%
37%
9%
3%
0%
less than 18
19 - 25
26 - 35
36 - 50
51 - 60
The table and the chart indicate the age of women beneficiaries at
the time of survey. From the above chart, it is evident that the
maximum number of women beneficiaries, i.e., 51% is in the age
group of 36-50 years, followed by those in the age group of 26-35
years (37%), 9% in the age group of 19-25 years and in the age
group of 51-60 years (3%). The Maximum age of women
beneficiary financed under the schemes is 55 years.
It emerges from the above, that the schemes have been able to
attract beneficiaries from all age groups, particularly up to 50 years
age group indicating willingness on part of beneficiaries to improve
their economic status.
3.2
Marital Status
The distribution of beneficiaries by marital status is presented in the
table below.
Table 3.2
Distribution by Marital Status
Marital Status
Number
Married
%
175
75%
Un-married
24
10%
Widow
33
15%
Total
232
100%
75% of women beneficiaries surveyed were married whereas 10% of
the beneficiaries were unmarried and 15% were Widow.
3.3
Educational Qualification
The distribution of beneficiaries by educational qualifications is given
below in table 3.4.
Table 3.3
Distribution of beneficiaries by Educational Qualification
Educational
Qualification
- No formal Education
Number
%
94
19%
-
1 – 5 Standard
97
42%
-
6 – 10 Standard
68
30%
-
Plus 2
15
6%
-
Graduation/Dip.
8
3%
-
Post Graduation
-
-
232
100%
Total
From the above table, it can be drawn out that only around 9% of
more educated among Scheduled Casts have taken up their own
activities with assistance from NSFDC. Those among the SCs who
have educational qualification less than plus two account for around
91% of beneficiaries of NSFDC schemes. This implies that a large
majority of beneficiaries, with qualification less than plus two have
taken up self-employment activities. It may be mentioned that
literacy level among Schedule Castes in the State is 70.5%.
3.4
Size of the Family
The distribution of women beneficiaries by family size is presented in
the following table.
Table 3.4
Distribution by Family Size
Family size
Upto 2
3–5
6 – 10
>
10
Total
Number
%
5
2%
193
83%
34
15%
-
-
232
100%
83% of beneficiaries have a family size in the range of 3-5 members,
15% of beneficiaries have a family of 6-10 persons. The average
size of the family of one beneficiary works out to 5 persons.
3.5
Activity Pursued before availing Loan
3.5.1 The survey reveals that majority of 93% of women beneficiaries
were Housewives / students/ unemployed and remaining 7%
beneficiaries in one way or other were already involved in gainful
employment, before availing loans under NSFDC’s schemes. The
distribution of beneficiaries, based on their previous activities is
given below in chart.
Distribution by Previous Activity
7%
Unemployed /
Student / housewives
Casual employment
93%
3.6
Annual Income prior to starting the project
The distribution of women beneficiaries based on their family annual
income earned prior to setting up the project is given below in table
3.6.
Table 3.5
Annual Income wise Distribution of Beneficiaries
Particulars
Beneficiaries
Income After
Project
Implementation
Previous
Family
Annual
Income
Family Annual
Income After
Project
Implementation
%
%
%
-
-
-
-
< Rs.12,000/-
-
Rs. 12,001/- to Rs.
24,000/-
82%
63%
33%
-
Rs. 24,001/- to Rs.
36,000/-
18%
27%
53%
-
Above Rs. 36,000/-
-
7%
14%
100%
100%
100%
Total
The table 3.6 reveals that 3% had average monthly income of less
than Rs. 12000/- per annum. Around 63% of women beneficiaries
had family income between Rs. 12001/- to Rs. 24000/-, 27% had
between Rs. 24001/- to Rs. 36000/- and 7% had above Rs.36000/per annum. From the above, it is observed that 66% of the
beneficiaries below Rs. 24000/- with Annual Family income have
been provided financial assistance under all the four scheme.
3.7
Living Conditions
The indicators to the social well being of a community considered
are the condition of dwellings, sources of water, healthcare facilities,
toilet facilities and so on.
3.8.1 Condition of House
The survey of the beneficiaries revealed that 5% among them were
living in hutment/kuchha house. 8% of beneficiaries have living in
cement/solid structure houses where as the majority 87% are living
in brick walled houses.
Table 3.6
Distribution by Type of House
Type of House
Number
%
12
5%
Brick walled house
202
87%
Cement/Solid structure
18
8%
232
100%
Hutment/Kuchha home
Total
3.8.2 Source of Water
The distribution of beneficiaries by source of water supply for the
family is presented in the table below.
Table 3.7
Distribution by Source of water
Source of Water
Water authority
Own well/Hand pump
Others
Total
Number
%
196
84%
35
16%
1
-%
232
100%
84% of beneficiaries have water supply into their houses direct from
government authorities.
3.8.3 Toilet Facility
The distribution by toilet facilities are given in the following table.
Table 3.8
Distribution by toilet facilities
Toilet facilities
Number
%
Covered Toilets
165
71%
Open Toilets
61
26%
Public Toilets
6
3%
232
100%
Total
71% of beneficiaries have covered toilets in their houses, 3% of
beneficiaries make use Public Toilets and remaining 26% of
beneficiaries make use of open toilets.
3.8.4 Medical Facility
Availability of medical facility is a necessity, which cuts across all
castes. 100% of the beneficiaries covered under survey claimed that
the medical facility was available to them in and around their
localities.
3.8.5 Living Infrastructure Facilities
Table 3.9
Living Infrastructure Facilities-232 Nos. Sample Size
Assets Owned
Electricity
Before Project
(%)
After Project
(%)
100%
100%
Radio/Music System
47%
47%
T.V
35%
40%
Fridge
-%
1%
Gas connection
9%
19%
Pressure Cooker
10%
25%
Two Wheeler
-%
1%
Telephone
2%
26%
100% of the beneficiaries had electricity connection whereas some
of them had about 9% gas connection, 10% pressure cookers and
35% T.Vs before launching of their projects. There has been
increase in the percentage of beneficiaries who have acquired TVs,
Gas connections and telephones after commencement of their
projects through the accrued income from the units.
CHAPTER – 4
PROJECT DETAILS
4.0
The present chapter provides the details about the projects set up by
women beneficiaries under the NSFDC’s schemes.
4.1
Type of Projects Set up
4.1.1 The projects set up under the schemes of NSFDC, can be classified
under five major heads.
a)
Retail Trading
b)
Agriculture & Allied Activities
c)
Manufacturing of Products
d)
Services
e)
Others
The activity-wise distribution of sample beneficiaries is given below
in table 4.1.
Table 4.1
Main Activity wise distribution of sample beneficiaries
Main Classification of
Activity
MSY
%age
-
Retail Trading
138
60%
-
Agriculture & Allied
Activities
40
17%
-
Manufacturing of
Products
40
17%
-
Services
14
6%
-
Others
-
-
232
100
Total
4.1.2 Among the Retail trading activities, the activities pursued among the
sample beneficiaries comprise of Kirana Shop, Cutlery, Cloth
Vendor, Sari Vendor, Vegetable Vendor, etc. The activities under
service sector includes Tailoring, etc. The activities under
manufacturing sector mainly comprised of Broom Making, Leather
purse Manufacturing, etc. The activities like dairy (Buffalo/Cow), etc
have been included under Agriculture and Allied activities.
4.2
Constitution and Location of the Projects
4.2.1 Constitution
About 100% (232) units have been set up by individual beneficiaries
under sole proprietorship. 111 (48%) of these are set up in rural
areas whereas 43 (19%) are in Semi-Urban and remaining 33% of
them are in urban areas. It is also revealed during the survey that
232 (99%) of units were operated from premises owned by the
beneficiaries.
4.2.2 Location
All the projects numbering 232 (99%) are located at a distance of
less than 0.5 k.m. from the residence of the beneficiaries.
4.3
Project Cost and Means of Finance
4.3.1 On an average, the total project cost of one unit set up by women
under the schemes of NSFDC ranged between Rs. 0.11 lakh to Rs.
5.00 lakh.
4.3.2 All the beneficiaries i.e 232 (100%) of the projects set-up by the
beneficiaries are in the project cost range of Rs. 0.26 lakh to Rs.
0.50 lakh A break-up of the projects set-up in different ranges of
project costs are given below :-
Table 4.2
Range of Project Cost
Project Cost (Rs.)
<Rs
Rs.
Rs.
Rs.
Rs.
Rs.
Rs.
Rs.
Rs.
10,000/11000/26000/51000/76001/100001/200001/300001/400001/-
-
Rs.
Rs.
Rs.
Rs.
Rs.
Rs.
Rs.
Rs.
Number
25000/50000/75000/100000/200000/300000/400000/500000/-
Total
%
0
0
232
0
0
0
0
0
0
100%
-
232
100%
4.3.3 The project set up under the schemes of NSFDC by the sample
beneficiaries were found to be financed by loan component, SCDC
finance and own contribution in Regular Schemes only whereas no
promoters’ contribution is required under MCF, MKY & MSY
Scheme. Subsidy to beneficiaries is being provided by SCA after
the liquidation of term loan by the beneficiaries.
4.3.4 Majority of the beneficiaries availed term loan assistance from SCA
in setting-up their projects.
4.3.5 99% of the beneficiaries availed term loan assistance below Rs. 0.25
lakh and only 1% in the range of Rs. 0.26 lakh - Rs. 0.50 lakh. The
break-up of the term loan ranges availed from SCA is given in the
following table.
Table 4.3
Term loan Range
Term Loan (Rs.)
Number
%
230
99%
Rs. 26,000/- - Rs. 50,000/-
2
1%
Rs. 51,000/- - Rs. 75,000/-
0
-
Rs. 76,000/- - Rs. 100,000/-
0
-
Rs. 1,00,000/- - Rs. 2,00,000/-
0
0
< Rs. 25,000/-
Rs. 2,00,000/- - Rs. 5,00,000/Total
4.4
232
100%
Sanction and Disbursement of Loans
Generally, once a beneficiary applies for financial assistance, his/her
case is processed and then either rejected or sanctioned financial
assistance. After the sanction of loan, the next step is disbursal of
loan.
The time duration between applying for the financial assistance to
actually receiving it is very important for studying the implementation
of the schemes. The break up of the time lag between the
submission of application and getting loan sanctioned is given
below, in table 4.4.
Table 4.4
Time lag between submission and sanction of loan
Time duration
Number
%
-
Less than 1 month
153
66%
-
1 month to 2 months
74
32%
-
2 months to 3 months
5
2%
-
3 months to 6months
-
-
-
above 6 months
-
-
232
100%
Total
Only 2% of the beneficiaries were sanctioned loan in more than two
months from the date of application, 32% between 1 month to 2
month and majority 66% got sanction within 1 month. The break up
of the duration between sanction and actual disbursal of loan is
given in table 4.5.
Table 4.5
Time lag between sanction and disbursal of loan
Time duration
Number
%
-
Less than 1 month
108
47%
-
1 month to 2 months
121
52%
-
2
1%
-
-
-
-
-
-
-
above 12 months
-
-
232
100%
Total
47% of the beneficiaries got their disbursement of loan within 1
month, 52% got between 1-2 months and only 1% got between 2-3
months.
4.5
Project Commencement
The detail of the projects set-up by beneficiaries is presented in the
following table.
The women beneficiaries contacted under the study have set up
their projects in different years viz. 2010-11 and 2011-12. A majority
of the contacted beneficiaries who set up their projects are during
the years 2011-12. A break-up of above details are in the following
table:
Table 4.6
Distribution of Projects by commencement
4.6
Year
%
2010-11
26%
2011-12
74%
Marketing of Projects and Services
The distribution of beneficiaries by area of marketing of their
products and services is presented in the following table
Table 4.7
Distribution by Area of Marketing
Area
Locally
Nearby districts
Total
Number
%
232
100%
0
-
232
100%
Once the projects were established, the products and services
offered were marketed locally by 100% of beneficiaries. The
activities undertaken by the beneficiaries are of such nature and
scale that it is not feasible for them to market their products and
services in nearby districts.
Almost 100% of beneficiaries did not have any tie-up for marketing
of their products/services.
CHAPTER – V
PROJECT PERFORMANCE
5.0
This chapter provides details on the performance of the units set up
under the schemes.
5.1
Operational Units
5.1.1 Of the 232 women beneficiaries who provided the information during
the survey, about 113 women beneficiaries have closed down their
operations. This means that 51% of units established are operational
whereas the closed units account for 49%. 100% of Beneficiaries
have created assets for which loans were availed irrespective of the
closure of the units.
Opeartional Units
49%
Unit functional
51%
Unit closed
The distribution of closed units vis-à-vis their sectors activity is
presented in the table below.
Table 5.1
Distribution of Closed units vis-à-vis their sectors
Sector
Closed units
Nos.
% of closed
% of total
units
units
Retail Trading
62
55%
27%
Manufacturing
16
14%
7%
Agriculture & Allied Activities
26
23%
11%
Services
9
8%
4%
Others
-
-
-
Total
113
100%
49%
A close observation of the data collected reveals that 27% of retail
trading and 4% of service sector have closed down. 7% of the
manufacturing and 11% of Agriculture & Allied Project sector have
closed down. The scheme wise closure of units is as under :
Table 5.2
Distribution of Closed units scheme wise
S.
No
District
General
Loan
MCF
MSY
MKY
Total
1.
Total Units
-
-
232
-
232
2.
No. of Closed units
-
-
113
-
113
3.
% of Closed units
0%
0%
49%
0
49%
5.1.2 Reason for Closure
Table 5.3
Reason for closure of Units
Reason
%
-
Poor demand for products/services
51%
-
Inadequate Generation of Funds
-
Shortage of working Capital
28%
-
Others (Family problems, Self
illness, death of live stock, etc.)
21%
Total
100%
-
From the table, it is observed that 51% of the units were closed
because of poor demand for products services, 28% because of
shortage of Raw Materials and 21% due to family problems & self
illness of beneficiaries, etc.
5.2
Income Generation
The income generation is one of the main objectives of the schemes
of NSFDC. The average revenue generated by the operational units
works out to Rs. 0.55 lakh per annum. The breakup of revenue
generation vis-à-vis activity is presented in the table 5.4 below.
Table 5.4
Revenue generation vis-à-vis activity
Activity
Average annual revenue
generated (Rs. Lakh)
-
Retail trading
0.55
-
Services
0.50
-
Manufacturing
0.60
-
Activities
0.50
It is clear from the above table, that the largest revenue generating
activity was retail trading followed by services/ manufacturing,
agriculture and others.
5.2.2 The average net income generated by the operational units work-out
to Rs. 0.20 lakh per annum, indicating an average of 36% of net
profit margin. The breakup of net income generation vis-à-vis activity
is presented in the table 5.5 below. The net income indicated is after
the repayment of installments of loan.
Table 5.5
Net income generation vis-à-vis activity
(Rs lakh)
Activity
Average annual Income
generated (Rs. Lakh)
0.20
-
Retail trading
-
Servicing
0.20
-
Manufacturing
0.24
-
Activities
0.21
From the above table and the table 5.5, the average net income
margin works out as shown in table 5.6 below.
Table 5.6
Net Income Margin
Activity
Net Income Margin (%)
-
Retail trading
36%
-
Servicing
40%
-
Manufacturing
30%
-
Agriculture
42%
From the above tables, it is observed that the most profitable sectors
are retail, service activities from the point of view of Net income to
revenue generation.
5.2.3 An attempt has also been made to study the revenue generation and
profit earned by all the beneficiaries, when all the units were
operational. The breakup of revenue and net income earned is
presented in the tables 5.7 & 5.8 below.
Table 5.7
Breakup of revenue generated
Revenue Generated per
annum
- Less than Rs.25,000
%
-
-
Rs.26,000/- to Rs.50000/-
22%
-
Rs. 51,000/- to Rs.75000/-
27%
-
Rs. 76,000/- to 100,000/-
3%
-
Rs. 101,000/- to 150,000/-
-
-
Above Rs.151,000/-
-
-
No Income ( Due to Closure)
Total
48%
100%
The table indicates that only 3% of the beneficiaries were generating
annual revenues above than Rs. 0.76 lakh, 22% in the range of Rs.
0.26 lakh to Rs. 0.50 lakh and 27% in the range of Rs. 0.51 to
Rs.1.00 lakh.
Table 5.8
Breakup of net income earned
Net Income earned per annum
%
-
< Rs.18000/-
26%
-
Rs.18000/- to Rs. 24000/-
56%
-
Rs.24001/- to Rs. 40000/-
18%
-
Rs.40001/- to Rs. 50000/-
-
-
Rs. 50001/- to Rs. 75000/-
-
-
Above Rs. 75001/-
-
Total
100%
This table indicates that around 82% of the beneficiaries were
earning average net income of around Rs. 1500/- and above per
month.
5.3
Employment Generation
Besides generating income for the women beneficiaries, the other
main objective of the schemes of NSFDC is to generate employment
opportunities. The accomplishment of this objective is an indicator of
the success of these schemes.
5.3.1 Of all the units surveyed, 90% women beneficiaries were managing
their units themselves without employing anybody and remaining
10% were taking help of Husband or other Family Members.
5.4
Repayment of Loans
As mentioned above, the schemes of NSFDC are designed to
provide financial assistance, repayable over a period of time, in
order to generate income and employment among Scheduled
Castes. The repayment of loan is essential for successful
continuation of these schemes.
The questionnaires were designed in such a way, so as to elicit the
information about the outstanding amount and the overdue amount,
from the beneficiary. However, during the survey, it was found that
the beneficiaries were not able to distinguish between the two, as
majority of them are not well educated. However, attempt was made
to elicit information about regular, fully paid & against whom over
dues stand from the beneficiaries.
5.4.1 The distribution of beneficiaries who have repaid all their liabilities
and those who are regular in their repayment of loans along with the
position of overdue are presented in table below.
Table 5.9
Repayment Status
Status
Number
%
55
24%
Overdue
175
75%
Fully Paid
2
1%
232
100%
Regular Repayment
Total
Of the all the beneficiaries surveyed, only 24% are regular in their
repayments and 75% are overdue or against whom there are over
dues. Further, only 1% of the beneficiaries have fully paid their dues
5.5
District wise Repayment Position
The geographical district wise repayment position in the State of
Gujarat is presented in table below.
Table 5.10
District-wise Repayment Position
Figures In Nos.
S.
No.
1.
District
Regular
Overdue
172
Ahmedabad
Total
39
Fully Paid /
A/c closed
2
58
2.
Mehsana
6
17
-
23
3.
Patan
13
18
-
31
4.
Sabarkantha
2
42
-
44
5.
Banaskantha
2
28
-
30
6.
Gandhinagar
15
31
-
46
Total
55
175
2
232
From the above, it emerges that the beneficiaries have been regular
in repayment of loan. However, the beneficiaries pertaining to
districts given at Sr. No 1,4,5 &6 have more over dues or defaulted
in repayment of their loans.
5.6
Outstanding Amount
Majority (65%) of loans outstanding is less than Rs. 0.25 lakh.
Around 151 women beneficiaries have outstanding below Rs. 0.25
lakh, 77 between Rs. 0.26 lakh to Rs. 0.50 lakh, 2 between Rs. 0.51
to Rs. 0.75 lakh and 2 women beneficiaries have paid fully / A/c
Closed.
5.6.1 Reasons for non repayment
The beneficiaries, who have loan outstanding against them, have
given different reasons for not repaying. The reasons for non
repayment apart from closure of units or before closure of units are
given it table 5.11, below.
Table 5.11
Reasons for Non Repayment
%
-
Non viable Projects
Inadequate Generation of Funds
Shortage of Raw Material
Others (Family Problem/Self long
Illness, death of live stock or illness)
Total
49%
29%
2%
20%
100%
The main reasons for non repayment, as shown in the table above
are payment problems, Family Problems, Self long illness, death of
live stock or illness and poor demand for products.
5.7
Problems faced by Beneficiary
During the course of setting up of a unit, right from conceiving of the
unit to managing its successful operation, an entrepreneur has to
overcome a number of hurdles/problems. However, the schemes are
designed in such a manner that the beneficiary faces very few
problems in getting the loan.
5.7.1 The survey of women beneficiaries revealed that none of the 232
beneficiaries faced problems in getting the loan. The chart below
depicts the percentage of beneficiaries facing the problems in
getting the loan.
5.7.2 The distribution of beneficiaries, on the basis of their opinion about
the processing of their applications is presented in table below.
Table 5.12
Distribution by Opinion on Processing Speed
Opinion
%
Fast (within 1 month)
64
Moderately Fast
36
Slow
-
Very Slow
-
Total
100%
100% of the women beneficiaries were of the opinion that the
processing of their applications was fast and moderately fast. This
more or less matches with the findings about the time lag between
submission of application and sanction of loans.
5.8
Reasons for Delay in Processing
The reasons for delay in processing of applications are presented in
table below.
Table 5.13
Reasons for delay in processing
Reasons
%
No Delay
100%
Processing time / Target / Paper Formality
Total
100%
100% of the beneficiaries attributed that there was no delay in
processing of application,
5.9
Expansion Plans
The distribution of the beneficiaries vis-à-vis their plans for
expansion of their activities is given below in table.
Table 5.14
Distribution by Expansion/Diversification
Expansion/Diversification
Number
%
87
37%
Not Planned
145
63%
Total
232
100%
Planned
Only 38% of beneficiaries expressed interest in starting any other
project or expansion of their capacities whereas 63% of beneficiaries
do not have any expansion plans.
5.10 Awareness about Schemes
Various media are used to create awareness about the schemes
among the target communities by NSFDC. The distribution of the
beneficiaries’ vis-à-vis the media of awareness is presented in table
below.
Table 5.15
Media of awareness
Media
%
Through SCDC Office
17%
Through Newspapers
37%
Through Community leaders/NGO
14%
Through Friends & Relative
32%
Total
100%
The most effective media was found to be through Newspaper as
37% of the beneficiaries got information about the schemes from
above. 32% of the beneficiaries got information about the schemes
from friends & relatives, 14% were informed by Community
leaders/NGO and remaining 17% were informed by SCDC Office.
5.11 Usefulness of Scheme
The impact of any scheme can also be measured in term of impact it
had on the socio-economic aspects of life of its targeted
beneficiaries. The usefulness of the scheme as remarked by the
beneficiaries is presented in table 5.16 below
Table 5.16
Usefulness of Scheme
Opinion on Usefulness
-
Scheme Useful
-
Scheme not useful
Number
%
232
100%
-
-
232
100%
Total
The table indicates that 100% of beneficiaries are of the opinion that
the schemes are useful.
The aspects of lives of beneficiaries, which had positive impact of
the schemes of NSFDC is depicted in table 5.17 below.
Table 5.17
Aspects of life affected
Aspects of life
-
Household income improved
Standard of living improved
Sending children to private
Schools.
- Renovation of House
- Treatment with private doctors
- Others(self employment)
Total
%
38%
16%
46%
100%
The positive impact on the above mentioned aspects of life, point
towards the priorities of the beneficiaries. The figures imply that the
improvement in household income is more important to the women
beneficiaries as also the opportunity to get self employment.
CHAPTER-VI
Success Story
1.
Success Story of the Women Beneficiary
Name
:
Bhikhi Ben Senma
Father/Husband’s Name :
Sh. Mohan Bhai Senma
Age
:
45 years
Address
:
Chadiya Darwaza,
Distt. Patan, (Gujarat)
Unit
:
Broom (Jharu) Manufacturing
Date of Finance
:
April, 2011.
Pre-status of the beneficiary:
The above named beneficiary belongs to Scheduled Caste
community (Senma Hindu). She has no formal education. Prior
status before taking loan, she was unemployed / Housewife having
no permanent source of income. Her family’s annual income was Rs.
15,000/-. There are six members in her family.
In February, 2011, Smt. Bhikhi Ben Senma submitted an application
for seeking loan for setting up of Broom (Jharu) Manufacturing unit in
the office of Gujarat Scheduled Castes Development Corporation
(GSCDC). In response to her application, the management of the
Corporation after taking into consideration all facts of the case and
genuineness of the beneficiary, sanctioned and disbursed loan of
Rs. 30,000/- under MSY scheme to Smt. Bhikhi Ben Senma for
above Broom (Jharu) Manufacturing in collaboration with National
Scheduled Castes Finance & Dev. Corporation (NSFDC), New Delhi
in April 2011. The unit is functioning since April, 2011 and Smt.
Bhikhi Ben Senma is earning about Rs. 30000/- per annum.
Re-payment status of the beneficiary:
The beneficiary has been regular in repayment to the Corporation
and the outstanding is about Rs. 6,900/- and is likely to be repaid as
per schedule.
Post status of the beneficiary:
From the income of the aforesaid activity, the living standard of the
beneficiary and her house hold income has increased. She has also
requested for refinance to increase the capacity after completion of
existing loan.
2.
Name
:
Hansaben Vankar
Sh. Babu Bhai Vankar
Age
:
40 years
Address
:
Bulisana,
Unit
:
Cutlery Store
Date of Finance
:
April, 2011.
community (Turi Vankar). She has passed 8th Standard. Prior status
before taking loan, she was unemployed / Housewife having no
permanent source of income. Her family’s annual income was Rs.
15,000/-. There are three members in her family.
In February, 2011, Smt. Hansaben Vankar submitted an application
for seeking loan for setting up of Cultery unit in the office of Gujarat
Scheduled Castes Development Corporation (GSCDC). In
response to her application, the management of the Corporation
after taking into consideration all facts of the case and genuineness
of the beneficiary, sanctioned and disbursed loan of Rs. 30,000/under MSY scheme to Smt. Hansaben Vankar for above Cutlery
Store in collaboration with National Scheduled Castes Finance &
Dev. Corporation (NSFDC), New Delhi in April 2011. The unit is
functioning since April, 2011 and Smt. Hansaben Vankar is earning
about Rs. 20000/- per annum.
and the outstanding is about Rs. 12,000/- and is likely to be repaid
as per schedule.
existing loan.
3.
Name
:
Dahi Ben Senma
Sh. Tulsi Bhai Senma
Age
:
35 years
Address
:
Sharamjivi Society,
Unit
:
Broom (Jharu) Manufacturing
Date of Finance
:
April, 2011.
community (Senma Hindu). She has no formal education. Prior
status before taking loan, she was unemployed / Housewife having
no permanent source of income. Her family’s annual income was Rs.
18,000/-. There are five members in her family.
In February, 2011, Smt. Dahi Ben Senma submitted an application
for seeking loan for setting up of Broom (Jharu) Manufacturing unit in
the office of Gujarat Scheduled Castes Development Corporation
(GSCDC). In response to her application, the management of the
Corporation after taking into consideration all facts of the case and
genuineness of the beneficiary, sanctioned and disbursed loan of
Rs. 30,000/- under MSY scheme to Dahi Ben Senma for above
Broom
(Jharu)
Manufacturing
in
collaboration
with
National
Scheduled Castes Finance & Dev. Corporation (NSFDC), New Delhi
in April 2011. The unit is functioning since April, 2011 and Smt.
Dahi Ben Senma is earning about Rs. 24000/- per annum.
and the outstanding is about Rs. 7,500/- and is likely to be repaid as
per schedule.
existing loan.

Gujarat - National Scheduled Castes Finance and Development

Transcription

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