...Empowered lives. Resilient nations. POLICY PAPER Empowering Women in Agriculture: Closing the Gender Gap through Mahila Kisan Sashaktikaran Pariyojana (MKSP) POLICY PAPER Empowering Women in Agriculture: Closing the Gender Gap through Mahila Kisan Sashaktikaran Pariyojana (MKSP) ANANDI www.anandi-india.org Empowered lives. Resilient nations. CONTENTS Acknowledgements................................................................................................................................................. 3 Executive Summary.................................................................................................................................................4 I. Introduction.......................................................................................................................................................... 8 1.1 1.2 Gender Gaps in Agriculture................................................................................................................ 10 Agriculture and Livelihoods................................................................................................................ 10 1.3 Positioning ‘Women’s Empowerment as a Transformative Process.....................................13 II. The Mahila Kisan Sashaktikaran Pariyojana (MKSP)........................................................................... 16 2.1 Opportunities and Challenges in Programme Design...
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...power structure of society is strengthened by the force of tradition ,values,history and by the prevalent ways of thinking and behaving.Any effort to change the balance of power entails change in the existing power structure. Women's empowerment is the process by which women negotiate a more equitable distribution of power , a greater space in the critical decision making processes in the home ,in the community and in the economic and political life.The aim of empowerment of women is the fuller and wholesome development of both men and women. Empowerment of women is anti-men.It is against patriarchy.Changes in law pertaining to marriage ,property,sexual harassment ,dowry,rape and other forms of violence,so as to bring in laws favouring or supporting women's empowerment are necessary but not enough.Enabling women to actually access to the benefits of appropriate laws is the key task of the empowerment process. The process of empowerment which seeks an equitable and active share for women has to deal with the burden of ideas and values which are passed on to women as part of their socialisation process from their very childhood.This social conditioning becomes part of her person and mindset and influences her behaviour.The empowerment process must begin with women changing their own ways of thinking and behaving .They must try to appreciate themselves more and to recognise and value their knowledge and skills and their contribution of the sustainability of the households and...
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...primary mode of microfinance in India today, reaching over six million families. In spite of its considerable outreach, successful savings mobilization and high repayment rates, as with most other microfinance models, the financial viability of SHG banking has not been clear. SHG federations attempt to provide financial viability and sustainability to SHG banking. This study explores the merits of federating and finds that SHG federations create economies of scale, reduce promotional and transaction costs, enable provision of value added services and increase empowerment of the poor. Acknowledgements This study was done for the South Asia Region Finance and Private Sector Development Unit of the World Bank. The support of Sophie Sirtaine at the World Bank, who helped design the study and took time to read through the different drafts, is gratefully acknowledged. I thank all the organizations visited and individuals interviewed for their cooperation, and participants of the various fora at which the initial drafts were presented for their valuable comments. I also thank Marilou, Director, South Asia Region Finance and Private Sector Development Unit and other members of the unit for their support during the course of the study. Finally, I thank Maya Tudor and Kathryn Gwatkin, my classmates at the Woodrow Wilson School, who read through the final draft and suggested changes that make the report read better. Currency Equivalents (Exchange...
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...Women Entrepreneurs in SMEs: Bangladesh Perspective Sponsored by: SME Foundation Conducted by: MIDAS November 2009 Table of Contents Acronyms List of Tables and Figures Executive Summary Chapter 1.0 1.1 1.2 1.3 1.4 1.5 1.6 Chapter 2.0 2.1 2.1.1 2.1.2 2.1.3 2.1.4 2.1.5 2.1.6 2.2 2.3 2.4 2.5 2.5.1 2.5.2 2.6 3.0 4.0 4..1 4..2 5.0 5.1 5.2 5.3 5.4 6.0 6.1 6.2 6.3 6.4 6.4.1 6.5 6.6 6.7 6.7.1 6.7.2 7.0 7.1 Introduction Statement of the problem Significance of the study Objective of the study Theoretical perspective of the study Scope of the study Limitations of the study Study Methodology Primary Research Location of the survey Sample Size Support Service Providers Methods of Data Collection Techniques of Data Collection Techniques of Data Analysis Secondary Research Focus Group Discussion (FGD) Key Informant Meeting (KIM) and Preparation of Case Studies Planning Workshops (PW) Planning Workshop Dialogues in the 6 Divisional HQs Discussions at Planning Workshops National Dissemination Seminar (NDS) Literature Review Entrepreneurship Concept of Entrepreneurship: A theoretical discussion Entrepreneurship in Bangladesh Women Entrepreneurship in Bangladesh History of Women Entrepreneurship Development in Bangladesh Women Entrepreneurs of Bangladesh Women Entrepreneurship in Urban Areas Women Entrepreneurship in Rural Areas Small & Medium Enterprises (SMEs) Definition of SME Theories of SME SMEs in Bangladesh Promotion of SMEs for Sustainable Development Access to Finance...
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....................................................9 STREE SHAKTI Rashmi Singh ..................................................................................13 NORTH EAST DIARY ...............................................................18 EMPOWERING WOMEN IN AGRICULTURE Amrit Patel ......................................................................................19 EMPOWERED WOMEN, EMPOWERED NATION Shahin Razi .....................................................................................24 WOMEN'S EMPOWERMENT ACROSS INDIAN STATES Arundhati Chattopadhyay ...............................................................29 J&K wINDOw ..........................................................................56 AMENDING ARCHAIC LAWS TO EMPOWER WOMEN Moushumi Das Gupta .....................................................................52 WOMEN AND PANCHAYATI RAJ Nupur Tiwari ...................................................................................36 DO YOu KNOw? SOME FACTS ABOUT DOMESTIC VIOLENCE ACT, 2005 ..................................................................41 WOMEN SELF HELP GROUPS Kahnu Charan Dhir .........................................................................42 BEST PRACTICES PEARL IN THE SAND – TARA DEVI Dilip Bidawat...
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...Accounting Lalmatia Mahila College Submitted By – Nilima Akther BBA (Honor’s) 2nd year Roll No. - 9808944 Registration No. – 1860636 Session – 2010-2011 Department of Accounting Lalmatia Mahila College Date of Submission – 21 May 2014 Acknowledgement At first I would like to express my gratitude to the almighty Allah. It is the part of BBA program to submit a term paper. And as a student of BBA program of Lalmatia Mahila College, I have to submit a term paper report. My term paper topic is “Value Added Tax”. I have completed this term paper with the supervision of the Department of Accounting of Lalmatia Mahila College. Her cordial assistance and advice have influenced me much to complete this task. I would like to express my sincere gratitude to all my teachers of the Department of Accounting of Lalmatia Mahila College, who have conveyed all the knowledge and necessary information to make enable to complete my Term paper successfully and provide me the opportunity to prove myself in the vigorously competitive modern area. I would like to deliver my special thanks to all my classmates and my entire well-wishers for their inspiration without which I would not be able to complete this term paper report. Declaration I do hereby declare that this report titled “Value Added Tax” has written by me during the year of 2014 under the valuable guidance of the Department of Accounting, Lalmatia Mahila College in...
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...ROLE OF NATIONAL COMMISSION FOR WOMEN IN PROTECTION AND EMPOWERMENT OF WOMEN: AN EVALUATION Subject title: Family Law- I Submitted to: Dr. Anju Tyagi Submitted by: Aratrika Das Class/Year/Semester: IInd year III semester Roll: 16LLB12 2013 National Law University, Delhi Chapter I: Introduction It is often said that the status and position of women in society is the best way to understand a civilisation, its progress and its shortcomings. In case of India, women have come a long way from women sages and scholars in the Rig Vedic period to women in the armed forces, IT sector, politics, industry and other significant areas while balancing their role as a daughter, wife and mother. This journey towards modernization has not been easy. Women have had to fight the traditional Indian male-dominated society to emerge as stronger and independent entities. While all these are positive developments, cases of rape, harassment at workplace and dowry deaths are rampant. Illiteracy and ignorance about their rights are still prevalent among a majority of the women. It was in this background that the Committee on the Status of Women in India (CSWI ) recommended nearly two decades ago, the setting up of a National Commission for Women to fulfil the surveillance functions to facilitate redressal of grievances and to accelerate the socio-economic development of women. The National Commission for women (NCW) is a statutory body for women established in 1992 by Government of India under...
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...CHAPTER-I 1 INTRODUCTION 1.1 Introduction of bank Bank is a financial institution which deals with other’s people money i.e. money given by the depositors.The establishment authorized by a government to accept deopsits,pay interests,clear checks,make loans,act as an intermediary in financial transactions,and provide other financial services to the customers.The roots of banking can be treated to the earliest civilizations.The Egyptians and early societies of the Middle East developed the prototype upon which modern banking is based.Agriculture commodities were stored in granaries operated by the government, and the records of deopsits and withdrawls were manitained. The name “bank” comes from the italian word ‘banco’.A banco was a table covered in green cloth where moneylenders completed their transactions in the marketplace.Those are preety humble beginnings for a major industry.Banking is a key component of the global financial system. Most large banks are now global in nature, with offices in all key financial centres, from New York to London to Hong Kong and have the power to influence the economies of countries around the world no matter how large, as seen during the recent financial crisis. According to Robert Frost, ‘‘bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins . Introduction to the Indian Banking industry in historical prespective. 1.2 Indian Banking in historical...
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...Microfinance in Assam: Hymns, Myths and Realities. Dr. Jyotish Bordoloi, Associate Professor, Haflong Govt. College. Ms. Brahnisikha Bordoloi,Assistant Professor, Lakhimpur Commerce College. Introduction: Microfinance has emerged as an effective method to fulfil the financial needs of small borrowers and poor sections of the society to uplift their economic conditions. In spite of creditable expansion of institutional credit network in our country majority of poor and rural population remained scarce in getting financial assistance from formal credit delivery institutions. Many credit intervention programmes floated by the government are found to be expensive, ineffective and defective. Indian experience revealed that steps taken to address the poor and poverty have not been yielding the desired result and considerable portion of aids and subsidies meant for the poor are channelized to affluent sections. Institutional mechanism involved in financing the poor through different developmental schemes unsuccessful in doing much to improve the situation and in fact many new problems arise in course of doing so. Poor recovery and siphoning of funds meant for poor have affected not only the viability of developmental schemes but also the profitability of the institutions. The shortcomings and failures of financial institutions and poverty alleviation and development programmes to meet the needs of needy small and poor borrowers kindle the micro finance concept. The...
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...PRIVATE SECTOR DEVELOPMENT UNIT South Asia Region Document of the World Bank TABLE OF CONTENTS EXECUTIVE SUMMARY I. INTRODUCTION 2 India’s Rural Finance Landscape 4 What are the financial needs of the rural poor? 4 Rural finance service providers 5 II. ACCESS TO RURAL FINANCE IN INDIA: THE EVIDENCE 8 Supply Side Indicators of Access to Finance 8 Access to Rural Finance: Evidence from the Demand Side 12 Access to savings/deposit accounts 14 Payments Services – Limited use, high cash economy 15 Access to Credit 15 Access to Insurance 17 The Importance of Informal Finance 17 III. WHAT CONSTRAINS ACCESS TO FINANCE FOR INDIA’S RURAL POOR? 19 Why Banks Are Reluctant To Lend to Rural Clients 19 Lack of credit information. 20 The tyranny of collateral 20 Weak legal framework and enforcement issues. 21 Government policy 21 Why Do Small, Rural Borrowers Find Rural Banks Unattractive? 26 Absence of flexible products and services 26 Transactions costs 26 Collateral 27 IV. RECENT EFFORTS IN INDIA TO IMPROVE RURAL ACCESS TO FINANCE: THE ROLE OF FORMAL—INFORMAL LINKAGES AND NEW PRODUCTS 28 SHG-bank Linkage Approach: Linking Commercial Banks to Grassroots Borrowers 28 How Effective Has SHG Bank Linkage Been in Targeting the Poor? 30 Impact on vulnerability of poor households 32 Some Lessons from SHG Bank Linkage 33 Key concerns: Limited outreach and scale of lending and issues...
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...46 OBJECTIVE OF THIS PROJECT WORK This project work tries to outline the prevailing condition of the Microfinance in India in the light of its emergence till now. Microfinance refers to small savings, credit and insurance services extended to socially and economically disadvantaged segments of society. It is emerging as a powerful tool for poverty alleviation in India. The prospect of Micro-Finance is dominated by SHGs (Self Help Groups) - Banks linkage Program. Its main aim is to provide a cost effective mechanism for providing financial services to the poor. To understand the transformation experiences better, the issues that trigger transformation were identified viz.: size, diversity of services, financial sustainability and focus. It is argued that the transformation experiences in India are not large in number. However, I found that there are three forms of organizations that seem to be popular in the microfinance sector – the Non-Banking Finance Companies, the Banks– both Local Area Banks and Urban Co-operative Banks and the Co-operatives. The concept of Microfinance is analysed by undertaking a...
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...of Finance and International Ma 418 Global Marketing and Challenges for Future: Franchising in Banks K. Ravichandran, Gandhigram Rural University, drkravichandran@yahoo.co.in R. Muruganandham, Sudharsana Raamanujan, R, P. Nandakumar, M. Sasi Siddharth Thiagarajar College of Engineering, vr_muruganandham@hotmail.com, siddharth_mss@sify.com raamanujan@gmail.com, nandacivil@gmail.com The global economic scenario is undergoing a major innovative metamorphosis at a rate never experienced before. All organizations have their brands to face the global marketing challenges to secure a role of leader in this state of economic revolution. Our paper identifies the current marketing challenges and global economic threats for service industries. Besides our paper also explores the management strategies to overcome these challenges in the liberalized economy. The banking service is considered, where the franchising marketing strategies, introduction of new products and delightful customer service by new private sector banks and foreign banks pose a serious threat to the existence and survival of public sector banks profitwise. Hence our paper deeply discusses the benefits of e-banking with a view to minimize transaction cost cum operating expenses thereby increasing the overall net profit to enable for successful survival by overcoming the threats posed by foreign banks. 455 Ball Bouncing Exercise Jayanta K. Nandi, ICFAI Business School, Jaipur, jknandi@rediffmail...
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...INDUSIND BANK LTD.” Undertaken at INDUSIND BANK, AGRA 10th April to 10th June 2009 Submitted by SUBODH AGARWAL Enrollment no. : 4108163163 Management of Business Finance INDIAN INSTITUE OF FINANCE CORPORATE GUIDE: MR. ASHOK SHARMA ASST. MANAGER AGRA BRANCH, AGRA UTTAR PRADESH. ACKNOWLEDGEMENT Expressing gratitude is not just an exercise of formality rather doing so evokes the memories of my association with my mentors and mates. I thank Chairman Prof. J. D. Agarwal and Director Aman Agarwal for allowing me to carry out this project. I wish to express my sincere gratitude to my corporate guide, Mr. Ashok Sharma for guiding me to understand the concepts those were not clear to me. I learnt a lot from his professional sknowledge. SUBODH AGARWAL 4108163163 Management of Business Finance Preface As a part of Management of Business Finance (MBF) programme, a student has to pursue a project duly approved by the Director of the Indian Institute of Finance. I had the privilege of undertaking a project on “Risk Management by INDUSIND BANK LTD.” My project report is divided into seven chapters and they are given as under: Chapter 1 INTRODUCTION Chapter 2 Review of literature Chapter 3 Research Methodology Chapter 4 Analysis Chapter 5 Consist of Findings, Conclusion, Suggestions, Limitations SIGNATURE: Name: SUBODH AGARWAL Enrollment No.: 41O8163163 Management of Business Finance CERTIFICATE This is to certify that “Risk Management by Indusind Bank” was carried...
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...Sample Survey on Status of Women Entrepreneurs In Bangladesh 1. Background of the Survey 1.1 Women in Bangladesh Bangladesh is a resource-limited and overpopulated country where society is highly stratified, services and opportunities are determined by gender, class and location. However, women make nearly half of the population (Table -1), which means huge potential to be utilised for socio -economic development of the country. Table -1 Population Status of Bangladesh Census From 1998 Total Male Female 1262000 64819000 61381000 00 Share at Total Population Share at Total (%) Population (%) 51.48% 49.52% 51.36% 48.64% Source: Statistical Pocketbook, Bangladesh ’99, Bangladesh Bureau of Statistics, Government of the People’s Republic of Bangladesh, Dhaka 1999, Page 85. Total 10631500 0 Sex and Age-based Structure of the Population (Table-2) shows that like the male population of the country, the women represent a vast resource for the country. They must be provided equal opportunity in education, employment and economic activities, only then this resource could be utilised properly. Table -2 Sex and Age-based Structure of the Population 1996 Age-base Group Total Population (%) Male Population (%) Female Population (%) 10-14 Years 12.6 12.52 11.58 15-19 Years 8.52 8.41 8.65 20-24 Years 8.40 7.60 9.25 25-29 Years 6.10 7.92 9.11 30-34 Years 4.25 6.10 6.10 35-39 Years 3.25 5.87 5.14 40-44 Years 2.89 4.40 4.09 Source: Statistical Pocketbook, Bangla desh ’99, Bangladesh Bureau of Statistics...
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...M.A. Social Work (Previous) FIRST SEMESTER Paper S1: 01 History and Philosophy of Social Work - 50 Paper S1: 02 Psychosocial Dynamics of Human Behavior - 50 Paper S1: 03 Methods of Working with People: Micro-Approaches - 50 Paper S1: 04 Social Welfare Administration - 50 Paper S1: 05 Research Methodology - 50 Paper S1: 06 Man & Society - 50 Paper S1: 07 Concurrent Field work three days in a week - 50 Total - 350 SECOND SEMESTER Paper S2: 01 Approaches and fields of Social Work - 50 Paper S2: 02 Human Growth and Development - 50 Paper S2: 03 Methods of working with People: Macro Approaches - 50 Paper S2: 04 Management of NGO’s and Disaster Relief Services - 50 Paper S2: 05 Statistics and Computer Application - 50 Paper S2: 06 Dynamics of Socio-Political Institutions and Organizations - 50 Paper S2: 07 Concurrent Field work (three days in a week) -50 Total - 350 M.A. in Social Work (Part-I) Preamble: 1. There shall be six theory papers of 50 marks each and field work of 50 marks as paper seventh out of 50 marks, 38 marks shall be devoted to semester paper and 12 marks shall be fixed for class/home assignments. 2. The format of the theory paper shall be the same as it is being following by the university. 3. Evaluation procedure shall be as per university norms. FIRST SEMESTER Paper S1: 01 History and Philosophy of Social Work (50) Unit – I Meaning, objectives and scope of social work; Role...
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