DARMASTALA GRAMABIRUDI1

7/21/2019 DARMASTALA GRAMABIRUDI1

http://slidepdf.com/reader/full/darmastala-gramabirudi1 1/99

SKDRDP

CONTENTS

CHAPTER - 1

INTRODUCTION Introduction to project report

Statement of project

Objectie! of !tud"

Scope of !tud"

#et$odo%o&"

'imitation!

CHAPTER - (

PRO)I'E O) SREE *HETRA DHAR#ASTA'A RURA'

DE+E'OP#ENT PRO,ECT

Hi!tor" of S*DRDP

'ocation

Scope of project! or coerin& area

Objectie!

e%iee!

#i!!ion!

A.ard!

CHAPTER - /

STRUCTURE AND OR0ANISATIONA' +IE

Or&ani!ation

oard of Tru!tee!

Or&ani!ation C$art

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Partner!

CHAPTER - 2

RO'E AND PRO0RA##ES O) S*DRDP

)unction!

Dee%opmenta% actiitie!

CHAPTER 3

PER)OR#ANCES 0ROTH O) S*DRDP IN SHI*ARIPUR

Se%f $e%p &roup!

Pra&at$inid$i pro&ramme

)orm dee%opment actiitie!

Communit" dee%opment actiitie!

Trainin&

CHAPTER 4

ANA'5SIS INTERPRETATION O) SUR+E5

CHAPTER 6

)INDIN0S7 SU00ESTIONS AND CONC'USION

)indin&!

Su&&e!tion!

Conc%u!ion

Appendi8

9ue!tionnaire

ib%io&rap$"

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“Dee%opment of S$ri *!$etra D$arma!ta%a Rura% Dee%opment

Project:7 .it$ reference to S$i;aripura”.

CHAPTER - 1

INTRODUCTION

Introduction to project report

Statement of project

Objectie! of !tud"

Scope of !tud"

#et$odo%o&"

'imitation!

C$apter Sc$eme

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Introduction

In India particularly after independence the task of rural

development has been given a place of priority in five-year plans and the

growing ineuality between the rich and poor in rural areas has brought

about the urgency to development. It has been the constant endeavour! of

the government to develop the rural areas and accordingly various

schemes have been formulated from time to time for this purpose. "ut

result of those schemes varies from time to time from place to place and

in various sectors. "ut some e#periment schemes have lost their

continuity.

It is now commonly conceded that the most of the poverty

alleviation programmes could not reduce the incidence of poverty

substantially for the variety of reasons wrong selection of beneficiaries$

leakages corruptions and malpractices$ absence of forward and backward

linkages in the pro%ect and inadeuacy in delivery and monitoring of

credit are few factors identified by the agricultural credit review

committee

"ut rural development pro%ect are have to be free from above said

awful factors. &his study is going on such a great rural development

programme. “'hri (shetra )harmasthala *ural )evelopment +or%ect”

which was lunched by )harmadhikari )r. ). ,eerendra eggade.



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&he '()*)+ took up women empowerment programmes$

awareness against addictions$ technology transfer programmes for

improving the farming practices among weaker sections.

/ith the passage of time '()*)+ began to play role in transfer of

technology$ providing the infrastructure$ providing finance through micro

credit. "esides this$ the pro%ect concentrated on the empowerment of

rural women and hence began 0nanavikasa +rogramme0. In response to

the social needs of the area the '()*)+ innovated into activities like

ana%agruthi$ ommunity )evelopment$ 'iri etc.$

village level worker known as 0'evaniratha0$ approached the

stakeholder families$ sat with them to prepare a five-year development

plan and assisted them to implement the same. &he )harmasthala temple

has given the reuired material support like euipments$ seed material in

the form of charity.

4arge uantities of rice were distributed during the initial decades

as a compensation for the families while they worked in their own lands.

the concept of 05ood for /ork0 was implemented by '()*)+$ with a

view to develop the lands.

Statement of topic

1. &his study is going on “ the analysis of the 'hree (shetra

)harmasthala *ural development +ro%ect” - case study of

'hikaripur.

2. &he study state the programmes introduced by the '..(.).*.).+.

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3. &his study state total beneficiaries of pro%ect and total amount of

benefit given by the pro%ect in 'hikaripur

. &his study analysis the financial performance of pro%ect in

'hikaripur

6. &he study analysis the opinion of the respondent members

regarding the pro%ect in 'hikaripur.

7. &his study states the constaints and problems facing by the

pro%ects.

8. &his study gives the measures to overcome from current problems.

Objectie! of !tud"

&o know the origin$ ob%ectives$ scope$ and programmes of the

S*DRDP<

1. &o assess the implication of the performance of the '()*)+ on

self-employment opportunities in 'hikaripur

2. &o know the programmes and activities incorporated for rural

development

3. &o study the performance and progress of '()*)+ in 'hikaripur.

. &o find out the attitude of respondents towards the present state of

uality services offered by the '()*)+ in 'hikaripur.

6. &o identify the programmes which are benefited in more to people

or member of the '()*)+ programme.

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7. &his study also finds out the problems and constrains of the

programmes in implementations and suggests pro%ect policy

implementations.

8. &o suggest measures for further implementations of programmes

of the scheme..

#et$odo%o&"

&he present study is empirical in nature and was studied using

primary and secondary data.

&his study has been taken for the 12 sample villages of the

'hikaripur were selected on random basis from which 9: respondents

were selected and these all respondents are members of '()*)+

';.

Primar" Data

&o collect the primary data relating to relevant beneficiaries three

method of survey are used.

1. <uestionnaire method.

2. 5ield work method.

3. +ersonal interview.

<uestionnaire method.

&o collect the details of the beneficiaries$ we made list of more

over 2: uestions$ which cover all matter of beneficiaries.

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5ieldwork method

I made visit to branch office in 'hikaripur$ and consult many field

officers and collect the details of beneficiaries and programmes of pro%ect

scheme.

+ersonal interview

+rimary data is collected by personnel interview with pro%ect

managers$ supervisors$ and field officers. )ata is also collected from the

members of the self-help groups benefited from '.(.).*.).+.

Secondar" data<

&his study also based on the secondary data "esides the primary

data$ data is collected from the secondary sources like books$ records

and periodicals maintained in the organisation

&he data has been taken from 'hikaripur branch office for the

period of two financial years and the data collected from various

published issue of '()*)+ and web sights pro%ect scheme... =ost of the

secondary materials are collected from officials of '.(.).*.).+.

Scope of !tud"

&he scope of this pro%ect is confined only 'hikaripur taluk only.

&he study was conducted to know the performance of “S$ri *!$et$ra

D$arma!t$a%a 0ramab$irud$i 5ojana” in the development of rural

areas. &he study was intended to know the developmental activities

undertaken in rural areas.

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Ana%"!i! and interpretation>

&he data collected from primary sources is analysed and

interpreted systematically in the form of statements $ charts$

;raphs and tables. &he diagrams are in the form of bar and pie charts.

'imitation!

&he study had certain limitations$ they are>

4imitation of time factor

/ith in the short time duration it was not possible to collect all

related data along with the academic studies.

4imitation of practical knowledge

&here is a lack of e#perienced knowledge related to how to

conduct the pro%ect work. i.e.$ collection $ summarise $ analyses$ and

interpretation of data.

4ack of co ordination with relevant providers

*espondent beneficiaries were do not co-ordinate to collect

information. &hey made hesitation to give details about them. &he

officers of pro%ect were also did not give the information in right time due

to heavy woks stress of them.

4imitation to picking of samples

&his study is only made on the 9: '; members of the

'.(.).*.).+. from 12 villages of 'hikaripura.

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@on-availability of some dataAs has also affected the uality of the

pro%ect report. &he money constraints have also affected the uality of the

pro%ect report.

C$apter Sc$eme

&his pro%ect report is on “S$ri *!$et$ra D$arma!t$a%a

0ramab$irud$i 5ojana” with reference to “ase study on 'hikaripura

"ranch” in particular this pro%ect report consists of altogether 8 chapters.

&he 5irst chapter consists of Introduction here Introduction has

been given in general and also$ it consists of main ob%ectives for

preparing the pro%ect report$ 'cope and ob%ectives of the study and

methodology.

&he second chapter consists of “istory of 'hri (shethra

dharmasthala” as it has been considered earlierB my pro%ect report is on

rural development$ I have mentioned the ob%ectives$ missions$ believes of

this organisation in rural development.

&he third chapter consists of *ole of 'hri (shethra dharmasthala

;ramabhirudhi Co%ana in rural )evelopment ” . It consists functions

of the organisation and the developmental activities undertaken

by the organisation for rural development.

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&he fourth chapter consists of “'tructure and organisational view ”.

It mainly includes the ierarchy$ Drganisation and functions and

dministration.

&he fifth chapter consists of “perfiomance development of

'.(.).*.).+ 'hikaripura branch”

&he si#th chapter consists of “nalysis and interpretation of survey

”$ the survey plays a very important role in any pro%ect report . &he

survey was conducted for members of self help groups benefited from

'hri (shethra dharmasthala ;ramabhirudhi Co%ana . It consists with

consumerAs attitude regarding the organisation.

&he seventh chapter is “5indings$'uggestion and onclusion”.

'uggestion is very important and it is the ending phase of the pro%ect

report. 'uggestion has been given to the organisation and it is on the

basis of the 'urvey.

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CHAPTER - (Profi%e of Sree *$etra D$arma!ta%a Rura%

Dee%opment Project

o Hi!tor" of S*DRDP

o 'ocation

o Scope of project! or coerin& area

o Objectie!

o e%iee!

o #i!!ion!

o A.ard!

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Hi!tor" of Sree *$etra D$arma!ta%a

)harmasthala is a famous indu religious shrine

of 'outh India with about 8:: years of

istory. &he presiding deity of )harmasthala is

4ord =an%unatha 'wamy reincarnation of 4ord

'hiva. &he temple is managed by the eggades

who is considered to be the speaking =an%unatha.

&he eggade position a hereditary one$ is being passed on from

generation to generation. &he present eggade$ )r. ). ,eerendra

eggade is the 21st in the lineage.

)harmasthala is known for religious harmony yet with a lot of

"hakthi and religious fervor. lthough the deity is 'hiva$ the +riests are

,aishnavaites. &he trustee of the temple belongs to ain community.

=any festivals in )harmasthala attract tourists and faithfuls$ from all

over the country. )harmasthala is also home for handranatha 'wamy

"asadi a place of worship for ains.

&he festivals of )harmasthala have a tinge of religion$ bhakthi$

social value$ cultural ethos$ rituals. nnadana and bhayadhana are two

of the ma%or functions ordained to be performed by the eggades as the

trustee of the temple.

)r. eggade feels that even charity should be put to good use and

must yield results. e has therefore setup several institutions to promote

the philosophy of directed charity. &he visionary in )r. ). ,eerendra

eggade has conceived several pro%ects to touch the finer aspects of

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human environ. &o realise these visions he has promoted many

Institutions in the field of Education$ ealth$ +romotion of Indian

=edicine$ @aturopathy$ Coga$ 4ife Education$ improving the living

environment.

'.(.).*.).+. is )r .).,eerendra eggadeAs rare dream. &his plan

has completed 26 yrs successfully. &he plan was started since 1?92 in

the memory of the inauguration of 'hri "hagwan "ahubaliAs statue

which 3? feet height which was single stoned statue. 'ince from 1?92

the plan provides information$ encouragement and act as a model for

rural people to change the life style of rural people . &he community

programmes of the organisation are pictureFied through out (arnataka.

It declares war against eradication of poverty$ Ignorance$ illiteracy$

drugs in especially in the districts of 'outh anara$ @orth anara and

Gdupi. *ural unity is the main motto of the organisation irrespective of

caste and religion$ poor and rich. 'everal programmes function for

women empowerment who were economically backward.

'ince from 2 decades$ several programmes were launched to

utilise rural available resources effectively as to eradicate rural problems

successfully.

It declares several programmes in the eve of 'ilver ubilee of rural

development plans

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HEAD O))ICE

'()*)+ has started at )harmasthala$ "elthangadi taluk in

)akshina (annada )istrict.$

location of head office

)harmashri "uilding

)aarmasthala-68217$ "elthangadi taluk

)akshina (annada )istrict$ (arnataka state

AREA O) OPERATION O) S*DRDP =in b%ac; %ine>

'()*)+ operating over 9 districts in (arnataka state.

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Aim! and objectie!?

Effective utilisation of natural and human resources.

&o work towards the enlistment of rural poor.

Dverall development of rural economy by proper utilisation of

available local resources.

Empowerment of those who fail to get facilities from the

government.

Encouragement for rural employment opportunity through

agriculture and non-agricultural activities.

dopt discipline$ moral values$ unity in developmental activities.

Encourage group partnership in rural and community

development.

'etup several schemes and programmes for permanent

development of agriculture.

Objectie! of .omen empo.erment

• DrganiFe women from the poorer sections$ backward classes$

minority community$ 'H'& community$ landless laborers$ beedi

rollers$ working class women etc.

• +romote women empowerment$ social mobiliFation process.

• reate awareness in women and family.

• )evelop the habit of savings and thrift.

• Educate women about family planning$ sanitation$ health$

education$ culture$ epics

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• )evelop self-confidence$ self reliance and physical appearance.

e%ief!

• &he small farmers marginal farmers need to be organiFed to

empower them with knowledge and tools for developing their

family and their lands.

• &he resources need to be generated within the village and need to

be shared within the village for development.

• 5or a community to prosper$ the rich and the poor within the

community need to live in harmony and to realiFe that to be rich

is an opportunity to serve and to be poor is not a curse but an

opportunity to prosper.

• )evelopment process can only be successful if it is participatory.

•

)evelopmental process will result in a change only if it issustainable socially and economically.

• lcoholic abuse is a bane for progress. +rogress without morality

will never be real.

• &he progress can only be achieved through participation and

sacrifice and not by struggles and street fights

• 'ocial empowerment of women will lead to sustainable progress

and that social women empowerment shall precede economic

empowerment.

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• Everybody is trustworthy and therefore needs to be trusted. &hat

micro credit based more on trust is the foundation for progress.

• mature free dynamic and vibrant federation of self help groups

is the proof of a successful developmental process

• &he progress knows no barrier caste$ creed$ community it is

the right of all human beings who desire to progress.

#i!!ion

• &o adopt small$ marginal and micro land holders as stakeholders

and organiFe them in the informal sector to promote sustainable

farming practices. In the process the '()*)+ is committed to

economically empower the stakeholders to become self-reliant.

• &o create a conducive environment in the village to enable

different sections of the community to live in harmony. &o create

rural infrastructure through peoples participation to improve the

living habitat.

• &o motivate the individual family to plan for self development and

assist them in realiFing their plans. &o dare the poor to envision a

dream and to work together with them to make it possible. &o

work with the unreached$ the poor$ the backward$ the minorities$

the weaker section and above all the women to empower them

socially and economically.

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• &o promote entrepreneurial skills among the rural poor and escort

them to implement the skills.

• &o achieve progress in an environment of tolerance. &o promote

and use spiritualism as a tool for progress. &o spread the message

in the community that to prosper does not mean earning more

rupees but to use them more %udiciously. &o spread the message in

the community that morality is not a liability but a virtue.

• &o work in tandem with all such organiFations who dream of

vibrant rural India$ where in the rich and the poor have their needs

met$ where the natural resources are put to optimum

A.ard! and Reco&nition!?

'hri (shethra )harmasthala *ural )evelopment +ro%ect has been

recogniFed at the @ational level for its multi faceted activities

'.(.).*.).+. wins twin international awards.&wo successful financial initiatives of 'hri (shethra *ural

)evelopment +ro%ectJ*.K namely “ T$e Pra&at$iband$u- small farmers

come together to share and learn” and “Sampoorna Sura;!$a a social

security for all occasions” have won prestigious @C$an&e ma;er!

A.ard: promoted %ointly by the G' based shoka 5oundation and ity

bank in the competition “ banking on social change seeking financial

solutions for all”.

• 5I J 5ederation of Indian hambers of ommerce and

IndustryK ward-1??6

• I= JIndian =erchants hamberK ward-1??9

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• 'pandana ward for ana agruthi +rogramme-2:::

• +admabhushana ward to )r.).,eerendra eggade-2:::

• @"*) ward-1???-2::: L 2:::-2::1

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C$apter - /

STRUCTURE AND OR0ANISATIONA' +IE

Or&ani!ation

oard of Tru!tee!

Or&ani!ation C$art

Partner!

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Or&ani!ation

'()*)+ J*.K is registered under haritable &rust ct of 1?2: in

the office of 'ub-*egistrar$ ;overnment of (arnataka$ "elthangady

&aluk$ )akshina (annada )istrict in the year 1??1.

'hri (shethra )harmasthala *ural )evelopment +ro%ect popularly

known as '()*)+ is a registered charitable trust promoted by )r. ).

,eerendra eggade the sole trustee of 'hri )harmasthala temple.

T$e S*DRDP i! mana&ed b" oard of Tru!tee! con!i!tin& of 6

member!< At pre!ent t$e fo%%o.in& are t$e oard of Tru!tee!<

• )r. ). ,eerendra eggade$ )harmadhikari$ )harmasthala J)D" > 2:-

11-1?9K > ead of the famous =an%unatha swamy temple$ a indu

religious shrine of 'outh India. e is a visionary and has conceivedmany programes in the field of entrepreneurship$ education$ health$

yoga$ Indian system of medicine and temple administration.

• 'mt. emavathi ,. eggade$ /Ho )r. ). ,eerendra eggade$

)harmasthala > social activist e#perienced in women empowerment

and youth development. 'he has founded @ethravathi craft center$

young womens club of )harmasthala. 'he conceived the nanavikasa

programme which is today one of the flagship programme of

'()*)+ to empower rural women.

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• 'hri ). 'urendra (umar$ @o. 66$ ,ittal =alya *oad$ "angalore > n

advocate by education$ a industrialist in profession$ 'hri 'urendra

(umar has donned many a roles including that of the @ational ,ice+resident$ ain =ilan. e is on the board of )irectors of (arnataka

"ank.

• 'hri (. =. Gdupa$ =andarthi ,illage$ Gdupi )istrict > former

e#ecutive heading the rural credit section of 'yndicate "ank$ =r.

Gdupa is a graduate in agriculture. e is at present the hief

E#ecutive of "harathiya ,ikas &rust an @;D engaged in alternative

energy programmes.

• 'hri *. ,. 'hashri$ ayanagar$ ?th "lock$ "angalore > 5ormer

hairman and =anaging )irector of anara bank$ =r. 'hasthri is still

active in industrical circles and sits on the board of many a

Institutions.

• 'hri ". ". 'hanbhogue$ hartered ccountant$ =an%ushri$ (odialbail$

=angalore - 3 > hartered ccountant by profession$ =r.

'hanbhogue runs his own concern at =angalore.

• 'hri Gday (umar 'hetty$ dvocate$ &rade entre$ 3rd 5loor$ "unts

ostel *oad$ =angalore - 3 > n advocate by profession$ =r. Gday

(umar practices law at =angalore.

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oard of Tru!tee!

Dr< D< +eerendra He&&ade

+resident

Smt< Hemaat$i +<

He&&ade +resident

nana ,ikasa /omen+rogramme

S$ri D< Surendra

*umar

&rustee

S$ri *< #< Udupa

&rustee

S$ri R< +< S$a!$ri

&rustee

S$ri < <

S$anb$o&ue&rustee

S$ri Uda" *umar

S$ett"&rustee

Or&ani!ation C$art

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Tie-up Partner!

'ri )harmasthala &emple

@ational "ank for gricultural L

*ural )evelopment J@"*)K.

'mall Industries )evelopment

"ank of India J'I)"IK

'tate "ank of India J'"IK

,i%aya "ank

I@; ,ysya "ank

entral 5ood and &echnological

*esearch Institute J5&*IK

Infosys 5oundation

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onsultative ;roup to ssist the

+oorest J;+K.

=inistry of griculture$

;overnment of India

;overnment of (arnataka

III 4ombard +vt 4td

orporation "ank

anara "ank

'yndicate "ank

=inistry of *ural )evelopment$

;overnment of India

'mall Industries service Institute

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Gniversity of gricultural

'ciences

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CHAPTER - 2

RO'E AND PRO0RA##ES O) S*DRDP

)unction!

Dee%opmenta% actiitie!

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)unction!

Its main function is concerned with the rural development. mong

which agriculture$ health$

education$ sanitation$ rural

employment$ rural savings$

environmental protection$ public

awareness regarding social evils $

small scale industries are

important oneAs. It provides all the necessary infrastructure like as

shelter $ drinking water facilities$ rural health and rural road and so on.

DE+E'OP#ENTA' ACTI+ITIES?

PRA0ATHI ANDU- Se%f $e%p &roup

I@n this model$ five to eight small and

marginal farmers come together to form

a group and undertake labour sharing

once in a week..&hey also make small

savings per week and take up financial

transaction. &hey draw a five-year plan defining the financial investment

to be made for development over the years. &his helps them to set up

goals and try to achieve them.

nother feature of the pragathi bandhu '; is the mi#ed cropping

practiced by the members of the group. &his helps them to get steady

income on a daily basis$ which helps them to meet their weekly loan

repayment obligation. &he members borrow money for their farming

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activities to be repaid over weeks from their multiple framing produces

and farm labour work done by these farmers in the neighbourhood large

farmer.

0"ana +i;a!a Center!?

&hese centres work for the economic

and social empowerment of rural

women who are illiterates and landless

labourers . &he organisation provides

information regarding rural health of

the women $ family welfare

programme$ sanitation$ children education$ cleanliness of the

environment$ better life for those who are socially and economically

poor for about 2 hours a week. It creates self confidence among the rural

women who do not know about social awareness . &he members of this

center are given information about the alternative %obs available .

&he center provides training and information about floriculture$ dairy

farming and agriculture activities to increase income of the family.

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,nanai;a!a .omen SH0!? '()*)+ promotes women ';s

involving landless women in the villages. Gnder this category we can

classify>-

,nana i;a!a SH0!

0roup enterpri!e! SH0!

Simp%e SH0!<

,nanai;a!a SH0S?- Gnder this$ members of 1: to 16 ';s %oins in a

centre every week and conduct programmes which improves their

knowledge like awareness programmes and workshops on health and

hygiene$ education$ child care$ family matters$ home maintenance$

nutrition food preparation$ etc. In addition to this they participate in skits$

dramas$ singing$ group discussion on the occasion of certain cultural

programmes. &he idea behind this is to engage the village women in

certain activities which keeps away them from own time house affairs.

&he members of nanavikasa ';' avail credit facility for general

purposes like gold purchase$ marriages$ repayment of old loans$ etc.

0roup enterpri!e! SH0!?- &he members of 3 to groups engage in

production of certain items like phenoil$ soap$ detergent power$ washing

powder$ pickles$ suashes$ condiments$ te#tiles$ etc. &hey are provided

with backward and forward linkages by 'hri )harmasthala 'iri

;ramodyoga 'amsthe. '()*)+ provides the credit needed to such

';s.

Simp%e SH0!?- &he members meet once in a week$ do internal lending

business avail loans for general consumption$ infrastructure development$

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housing$ etc. &hese ';s are promoted for the individual development

of the members. &hat is the members engaged in coolly work$ from

groups and get loans for housing$ agriculture$ diary$ small scale poultry

farming and other purposes.

)ederation!?

It creates federal activities among the self-help groups of a rural

area. *ural self-help groups are stepping stone to set-up the &aluk level

self-help groups as a federal structure. &he &aluk self-help groups look

after the activities of rural self-help groups and to fulfil the basic

necessaries of rural economy through self-help groups in a proper manner

and also fulfil the basic necessities of the members of the groups to

uplift the economic status.

5ederation played an important role in the activities of providing

loans and advances$ repayment and transaction etc. &he sub committee

of the federation recommended to the organisation about needs

Jloans and advancesK of local self-help groups and also it helps

repayment of debt services of the local self-help groups.

Sma%% Economic P%an!?

Gnder this plan organisation provides financial help for the

members who are economically poor. /hich provides income to fulfil

basic needs like education$ shelter$ sanitation$ gobar plants. &he savings

of the members of the organisation can be utilised to pay the small

loans and advances for the members. &he organisation utilise the

developmental fund to provide huge amount of loans and advances.

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&he special features of the plan is to provide training for the

members regarding proper utilisation of loan amount $ easy available

of loans$ easy repayment schedule and long term. &he members of the

organisation repay the loan in every week.

#icro )inance<

Sanction ?

• Dnly and " rated groups could avail loans under the modified

+ragathi @idhi programme .

• &he groups having repayment capacity are able to get adeuate

loans.

• pproval of sub committee of federation$ which is constituted for

the purpose is necessary.

• 'evaniraths$ supervisors recommend the loan. =embers desiring to

get loan above *s. 6:$:::- need to submit security pledge letter.

• &he members could avail loan from the group at the discretion of

the group.

Tenure ?

• 5or griculture and infrastructure up to 6 years.

• *evolving fund for 3 years.

• +roductive fund for years.

3



SKDRDP

• onstruction for new houses for 1: years.

&he member make repayment on weekly basis and groups repay to

'()*)+ on monthly basis.

Rate of intere!t ?

• 5rom banks to '()*)+ cost of funds as on 3:--2::7 M 8.91N.

• 5rom '()*)+ to the groups at 11N daily reducing balance for

tenure upto 3 years.

• 5rom '()*)+ to the groups at 11.26N daily reducing balance for

tenure beyond 3 years.

• 5rom groups to members at ?N annual reducing balance for

tenures upto 167 weeks.

•

5rom groups to members at 12N annual reducing balance fortenures beyond 167weeks.

Serice C$ar&e ?

1N service charge is collected on all loans disbursed.

Repa"ment !c$edu%e ?

• '()*)+ pays to the bank at monthly H uarterly rests.

• ;roups pays to '()*)+ at monthly rests.

• =embers pays to '()*)+ at weekly rests.

36



SKDRDP

• ll payments are on euated installments including principal and interest.

#oement of fund!

37



SKDRDP

C$art !$o.! t$e mone" turnoer of S<*<D<R<D<P<

SA#POORNA SURA*SHA In!urance p%an?

&he organisation fulfil the medical e#penditure of members upto

rs. 26:: with a premium of *s.8: per year those who are having 6

members in a family . 4ife insurance for working people$ partial

payment for natural disorders or natural calamities . small

38

Drganisatio

n

"anks

"anks

'elf help

groups

=embers

/eeks

;roups

=onthly



SKDRDP

premium for small family and huge premium for large family . It

insured amount is more than *s. 26$::: organisation utilise

development fund $

SUSTAINA'E A0RICU'TURE DE+E'OP#ENT?

griculture is the backbone of the rural people. =ore than 7: N of

the rural population

are engaged in

agricultural activities .

&herefore this

organisation is

concentrating on the

development of

agriculture . &his organisation framed so many programmes to get fruitful

result for those who are having less than one hectare of land.

CU'TI+ATION P'AN?

&he organisation prepares a plan for a period of 6 years after discussing

the members of the groups$ regarding fencing$ digging of wells$ rain

water storage$ and necessary technical advice and so on can be

implemented day by day. &hese activities can be registered in a register

which helps to generalise the plan. ccording to this plan $ it

encourage long term and commercial crops like rubber$ cashew$ areca

nut $ vanilla etc and also plan to encourage for the crops like vegetables$

ginger$ turmeric in hill stations.

39



SKDRDP

ETTER 9UA'IT5 O) SEEDS ?=$"brid !eed!>

&he organisation encourage the development of horticulture

in turn produce better seeds. &his organisation works as a middleman to

supply the facilities provided by the government to farmers especially in

the field of development of horticulture.

ATER HAR+ESTIN0?

Dne of the earliest plans prepared by the pragathi bandhu is to digopen well and acuire water pumping systems and supply system.

@ormally the wells are dug by the group members. +ragathinidhi loans

are availed to acuire the irrigation euipments. &o meet the water

reuirements irrigation facilities are taken up by the stakeholders which

includes the pump sets$ sprinklers and aid to dig wells as this is the only

water source in many places. rops such as arecanut$ coconut$ banana

and vegetables are cultivated in irrigated areas through organic methods.

9ua%it" Seed!

'.(.).*.).+ promotes farmers nurseries and has developed its

own nursery to provide uality seed material to take up various

plantations. '()*)+ coordinates with various seed manufactures to

promote supply of uality seeds and take up new crops besides

coordinating with various line departments like horticulture$ agriculture$

forest etc. in euitable distribution of seed and other facilities to the

deserving farmers.

3?



SKDRDP

)arm P%annin&

&he stakeholder prepare a five year farm planH family plan after

discussing the reuirement within the group. plan devised to develop

the small agricultural plot into a high yielding commercial garden is

taken up. 5encing$ digging open wells$ water conservation techniues$

planning plantation crops$ short duration crops$ creation of family assets

which include house$ toilet$ electrification etc. are planned for a period of

time. separate record is maintained in each family to implement and

review the plan. =ore than 5our 4akh families have prepared their plansand have implemented them successfully.

ultivation is taken up in accordance with the plan. combination

of long term commercial crops with the short term crops is practiced to

ensure economic stability. ommercial crops such as rubber$ cashew$

arecanut and vanilla are encouraged with the pro%ect providing the

beneficiaries with the saplings at subsidiFed charges along with the

improved variety of high yielding seedsHsaplings. rops such as ginger$

turmeric$ vegetables and other crops are encouraged in the hilly areas.

5ruit and 5lower crops are also encouraged.

DE+E'OP#ENT O) ARREN 'AND?

:



SKDRDP

&he organisation concentrating the barren land by provided

water and soil conservation and suggest those crops which are beneficial

to the farmers in that particular area.

TRANS)ER O) TECHNO'O05?

&he important programme of the organisation is transfer of

technology to the members by provided training$ visit to research centres

and through film media. &he small portion of the e#penditure is bared

by central government agricultural department.

ANNUA' A0RICU'TURA' )AIR?

&he organisation set up agricultural mela or fair in a selected

villages for 3 days annually regarding cultivation system$ dairying and

other agricultural activities.

&he fair consists of farmers$ agricultural scientists$ ;overnment

officials$ producers of agricultural seeds and fertiliFers. It is most

benefited to both by e#changing their ideas.

ATER AND SOI' CONSER+ATION?

&he (arnataka government water development 'chemes are

programming through this organisation . onstruction of check

dams $ vented dam $ social forestry $ construction of bunds and other

activities . It is already working at "elthangadi$ and now it is e#tended

to =angalore by applying local technology successfully.

1



SKDRDP

POER PROTECTION>

In the beginning of the plan$ because of the poverty of the

members they were unable to get power facility . Even after their

empowerment due to lack of facilities they could not get power

supply . "ecause of this reason they had to go for a alternative source

of electricity. t this time alternative renewable sources like gobar

gas and solar energy came into e#istence. &hese two resources not only

provide energy but also protect the environment. @ow these villages are

independent by using natural renewable sources of energy. &his is the

only programme which facilitate solar energy to a large e#tent in a small

geographical area.

Gnder this plan$ one more programme has been established in

"han%aru =alay village of "helthangadi taluk at a capacity of 1:

kilowatts of small power unit which is to be mentioned.

@early 6:N of the investment for a pro%ect of 13 lakhs was given

more than for 32 'H'& families$ which gives them a big share in the

investment.

)OREST AND EN+IRON#ENT PROTECTION?

5or the protection of forest and environment organisation has

actively involved villagers and students to take part in the

programme. +rogrammes regarding environmental information $ school

forestry $ construction of developmental forests $ social forests $

medicinal trees and many more programmes have been implemented.

2



SKDRDP

"y slide shows$ movies$ issuing pamphlets awareness is being created

among the people.

/ater$ soil and forest conservation$ water shed management and

information about many more topics is provided.

+ANA +I*ASA =)ore!t dee%opment>?

/ith the help of government and non government

organisation the following programmes are taken over by

'.(.).*.).+. dichunchanagiri =attaAs +oo%ya 'hri "alagangadhara

'wami%i has helped for the success of this programme.

SARNA ,A5ANTHI 0RA#A SARO,0AR 5O,ANA?

;overnment of India has selected '.(.).*.).+. to adopt '..'.C.

programme in )akshina (annada district with the assistance of Oilla

+anchayath of )akshina (annada.

'.(.).*.).+. started this programme in 2::3. &he main motto of

the programme is the upliftment of the people living below poverty

line J nearly 3:N of total rural population of )akshina (annada distK.

&he organisation has identified 1276 groups consisting of 11$176

members . Income generating $ service generating $ productive

agricultural activities are provided to these families . @ecessary

facilities and technology are being provided by this organisation.

3



SKDRDP

SOCIA' E#POER#ENT?

'.(.).*.).+. has started programmes for the social empowerment

of backward rural population . mong that$ important oneAs are

construction of the houses $ health programmes and drug oppose

programmes.

SA-0RUHA>

Gnder this programme they provide *s.1 lakh loan for selected

families which is to be repaid within 62: weeks. lso advanced

technology is being adopted for the construction of these homes.

SANITATION UNITS

'()*)+ since its inception has worked on creating awareness

among the rural people about importance of sanitation units at home.

4oans are provided to the members for constructing toilets. 5or the very

poor a small subsidy is also given.

SURA*SHA- E8ten!ie $ea%t$ pro&ramme?

&his programme was launched with the interest of overall

development of the society by keeping in view of the factors like

health and cleanliness . 'G*(' promotes the health of the

family for this purpose setting up of health centres and

sanitation programmes by constructing sanitary are being done .

5ree medical treatment and medicines are being supplied through

mobile hospitals. &his organisation takes help from the health



SKDRDP

department if necessary and also takes part with public health

programme.

,ANA ,A0RUTHI- ,anand$o%ana pro&ramme?

&his programme is functioning for the first in India against drug

addicts like as alcohol$ which is a social movement. &his programme

declares war against alcohol drunkards. '.(.).*.).+. has set up

number of information centres providing the information about

disadvantages of alcohol consumption . It is one of the ma%or ob%ective

of ana agruthi. )octors$ e#perts and local leaders take part in these

camps regarding public awareness.

&he number of drug addicts have come out from the drug

addiction and have become good civilians in the main stream of

the society .

NA+A ,EE+ANA committee looks after those who have come out of

drug addiction. Every year on =ahatmaAs birthday i.e. 2nd Dctober $

this programme is being celebrated by honouring those people who

come out of drug addiction.

'I)E SUR+I+A' ACTI+ITIES?

&he programme encourages in productive activities which yields

income to the family by providing technical and financial assistance . It

encourages group activities along with agriculture and non agricultural

activities like as renting of agricultural implements$ pendals$

6



SKDRDP

providing furnitureAs for hire $ petty business $ animal husbandry and

lease basis of agricultural lands are the important oneAs.

SIRI- 0roup enterpri!e!

&he '()*)+ has promoting economic empowerment among the poor

landless families by introducing various income generation activities both

in production and service sector. 'elf help groups are motivated$ trained

and assisted in setting up various group ventures.

&hese groups are given professional assistance in acuiring the skills$

finance$ raw materials procurement$ production and marketing of the

products.

brand name P'I*IP has been created to market the products produced

by the groups include$ fast moving chemical products like detergent cake$

detergent powder$ phenyls$ washing liuids$ scouring powder$ candles$

incense sticks etc.$ confectioneries sweets and condiments$ packed foods$

pickles$ ready made garments$ etc.$ are being manufactured and sold

under the brand name P'I*IP.

Sujnana Nid$i !c$o%ar!$ip !c$eme

&o create awareness among the '; members about the possibilities in

the technical education and to motivate them to send their children to

technical institutions for education$ '()*)+ has initiated a 'cholarship

'cheme. Gnder this scheme a scholarship of *s.1:::H- per month to 1::

7



SKDRDP

students every year will be given for students getting admissions to

technical courses like "E$ =""'$ "='$ ")' etc. &he scholarship is

available till the end of the said course.

'imilarly a scholarship of *s. ::H- per month to ?:: students every year

will be given to the students getting admission to technical courses like

&$ )+Ed$ "Ed$ @ursing$ I&I$ )iploma courses etc.

&hus a total of 1::: students will get the 'u%nananidhi benefit every year.

&he value of the scholarship in the first year is *s.66.:: lakhs.

&he '()*)+ initiative has been costing the temple to the tune of *s. 6:

to 7: million every year. &he pro%ect has received a lot of goodwill and

financial support from banks$ philanthrophic organiFations and

individuals$ ;overnment departments$ etc. to perform its role in

community development.

8



SKDRDP

Staffin&

&he '()*)+ has a well oiled team of animators$ guided suitably by a

team of e#perienced rural development functionaries and e#perts.

&he pro%ect has on its rolls$ nearly 2$::: dedicated workers. &he pro%ect

is monitored very closely by an e#ecutive committee and the "oard of

trustees headed by )r. ). ,eerendra eggade and represented by 'hri

).'urendra (umar$ =r.*.,.'hastry former =) of anara "ank$

progressive thinker and banker 'hri (.=.Gdupa$ =r.'hanbhogue$

hartered ccountant and members of the )r.eggade0s family.

=rs.emavathi eggade$ wife of )r.).,eerendra eggade has taken

keen interest in implementing various programmes of '()*)+. "esides

being a trustee she has personally conceived schemes for women

empowerment and take active part in implementing them. '()*)+ has

also been guided in its efforts from time to time by 'hri ).arshendra

(umar$ 'ecretary$ 'hri )harmasthala =an%unatheshwara Educational

'ociety.

9



SKDRDP

C$apter 3

PER)OR#ANCES 0ROTH O) S*DRDP IN

SHI*ARIPUR

Se%f $e%p &roup!

Pra&at$inid$i pro&ramme

)orm dee%opment actiitie!

Communit" dee%opment actiitie!

Trainin&

?



SKDRDP

PER)OR#ANCES 0ROTH O) S*DRDP IN SHI*ARIPUR<

+romoted by a spiritual centers '()*)+ has always been very

sensitive in doing any thing that perceived to be profit making even

though it concerned the welfare of the poor. It was therefore a very

reluctant step towards microfinance and was driven more by the need of

the community rather than profit taking over the last three years

'()*)+ has shown the great performance in 'hikaripur. In the process

the organiFation recogniFed the increasing financial needs of the

community for survival and achive the desired transformation.

)ue to lack of time and non-availability of data this study is

concentrating only on the 2 years performances of the '()*)+ in

'hikaripur.

SE') HE'P 0ROUPS

&he work of the 'evaniratha the field officer of '()*)+

ommence with the promotion of ';s &he informal groups who

socially economically empowered themselves.

&he 'evaniratha promote two distinct kinds of ';s namely.

1. +ragathi "andhu ;roups

2. hanavikasa /omen ';s

6:



SKDRDP

Tab%e no 1

Performance of Pra&at$i band$u7 and ,nanai;a!a SH0!

pro&ramme

A! on /1B/B(1

S%Bno Particu%ar! P0 ,+S TOTA'

1 2 3 6

1 ;roups to be start 826 23?8 3122

2 5amilies involved 6?3 2?88 33:

3 ;roups to be dissolve 13? 193

5amilies to be dissolve 223 118 17:

6 ;roups in working 791 2269 2?3?

7 families involved 38: 2933: 328::

8 'avings J*s. in lacksK 37.: 217.?? 263.:

0RADIN0 O) THE SH0S

'()*)+ has e#clusive field staff to audit the performance of the

groups based on certain parameters like maintenance of proper group

records$ regularity of meetings$ attendance loan repayment purpose and

use of loan growth achieved by the members$ activities under taken by

the members$ benefits availed from the pro%ect$ co-ordination bHw

members$ utiliFation of funds available . &o sum up$ a well managed

group gets$ “” grade slight variations some of the parameters gets “":

grade$ variations in some of the parameters which would be rectified

gets grade and long pending variations in the parameters gets Q)A

61



SKDRDP

grade. &he inspecting officer helps the group bys guiding and inspiring

them to maintain good grades.

Tab%e no (

Performance! of &roup! on t$e ba!i! of &radin&

S%<

No<

0roup! 0roup!

0raded

A C D Tota%

1 +ragathi

andhu

791 667 1:6 9 12 791

2 nanavikas

';s

2113 2::? 99 7 1: 2113

Tota% (62 (343 1/ 12 (( (62

'ourceB 5inal *eport 2::?.1:

s per above table shown out of 791 pragathi "andhu ;roups 667

has got QA grade$ 1:6 groups got Q"A ;rade$ 9 groups got QcA grade and

12 groups has got Q)A grades.Dut of 2113 ananavikasa ';s groups 2::? groups has got QA

grade$ 99 grouyps Q"A ;rade$ 7 groups got QA grade and 1: groups has

got Q)A grade. It shows the good programme implementation level of

'()*)+ in 'hikaripur.

62



SKDRDP

)EDERATION?

federation of ';s Bis constitutd at the village level covering an

average of thirty ';s.&he '; leaders become office bearers of the

federation. &he federation plays a vital role in the =icro finance

programmed of '()*)+. sub committee of the federation is created to

monitor the loan sanction and its repayment in its area. &he federation

meets once in a month and makes an assessment of the ';s on the basis

of their performance during the month.

In 'hikaripur branch totally 111 federations are constituted$ and

111 sub committee of the federations are created to monitor the loan

sanction and rites repayment it the area.

PRA0ATHINIDHI PRO0RA#

&he micro finance programme of '()*)+ popularly know as

+ragathinidhi program has been designed to provide hassle free uick and

easy finance to the stakeholders.

'()*)+ disbursing the loan for the purpose to 5arming irrigation$

housing and sanitation$ livelihood and other activities.

63



SKDRDP

Tab%e no /

Performance in Pra&at$inid$i di!bur!ement

R!< In %ac;!

1 DETAI'S O)

PRA0ATHINIDHI

P0 ,+S TOTA'

2 @o of groups get 732 2127 2869

3 @o of pragathinidhi loan 3923 326:3 37327

mt of loan disburse 118. 173.: 1861.

6 mt of loan repayment 183.? 111:.? 129.9

7 mt of loan due 23:.9 1632.1 1872.98

s on 31H3H2:1:$ totally 732 pragathibandhu groups have took 3923

loans amounted *s. 118:::: $ *s.183?:::: already repaid and *s$

23:9:::: amount are due during the year.

2127 %nanavikasa ';s have took 326:3 loans amounted to

*s$.173:::::.:: for many purpose. *s$ 111:?:::: amount repaid in

this year and due amount to during this year *s$ 1299::::.::.

&otally 1816. lacks amount loan disbursed during the year 2::?-1: and

129.9 lacks amount repaid and *s 1872.98 lacks are due.

6



SKDRDP

Tab%e no 2

T$e amount of %oan aai%ed b" t$e member! of t$e &roup

S%<

No<

Purpo!e (-

R!<

(-1

R!<

Decrea!e F

increa!e in

R!<

In (-

1 in G

Tota%

1 Infrastructureloan

6$2$33$92? 7$9$2$926 1$6?$?:$??7 3:.6: 12$?6$77$2

2 +roductive loan 13$6$21$367 8$9?$73$?6 J-K6$66$68$:2 J-K1.3: 19$78$?$63:

3 4ivelihood and

other activities

loan

1$?6$::$::: 2$88$63$:26 92$:3$:26 1.?6 9$8??$2??

Tota% (74374713 1673172172 =->/71/74/7/1 =->1371 /4731747(61

'ource> 5inal report of 2::9-:? L 2::?-1:

above table$ during the year 2::?-1: '()*)+ 'hikaripur disburse the

loan for Infrastructure purpose has increased by *s. 16??:??7.:: which

work out to a 3:.6:N increase when compared to the loan disbursed

during the 2::9-:?

&he livelihood and other activity purpose loan also increased

during the year 2::?-1: by *s. 92:3:26.:: i.e.$ 1.?6N when compared

to last year performance.

"ut eh productive loan during the year 2::?-1: decreased by

1.3:N i.e.$ *s. 66668:2.:: when compared to year 2::9-:?

66



SKDRDP

)arm Dee%opment and 'ie%i$ood Promotion!?

&he fundamental ob%ectives of '()*)+ is promotion of incentive

mi#ed farming in the area using effective technology to increase income

level based on the plans the farmers undertake the field activities with

due support from the sevanirathas agricultural and dairy coordinators of

'()*)+ and professional from the various line departments

Tab%e no 3

Performance in form dee%opment pro&ram! No< of fami%ie!

benefited<

Performance in form actiit"

Particu%ar! (- (-1

Tota% a! on

/1B/B(1

5encing 69 136 81?

4and levelling 3:8 261 669

oconut forming 181 132 3:3

recanut forming 636 322 968

ashew 3 39

+addy 1:36 68? 171

'ugar cane 39 6 93

;rams 99 637 12:

otton 21: 113 323

orn :8 1767 68:3

Dnion 17: 172 322

Dil seed 821 697 13:8

ardamom 3?3 2?: 793,egetable 1:93 1291 237

"anana 797 666 121

5ruticulture 21 771 ?:2

asmine and other 319 ?1 9:?

67



SKDRDP

floriculture

"ee keeping : 2 2

"eetle 3 89

+epper 13 28 171'hripaddathi system 6 128 182

5loriculture 216 ?1 8:7

Tota% 1133 31 (/43

&otally 27 program has been conducting by '()*)+ under farm

development programmers.

)uring the year 2::9-:? totally 11966 families or members had

benefited and in 2::?-1: it increased to 8738 families.

s on 31H3H2:1:$ totally 2:376 families are benefited by farm

development programs.

)uring the year 2::?-1:$ number of beneficiaries increased by

73.31N i.e.$ 961: families when compared to last year. 5or this purpose

in the year 2::9-:? *s. 6$?8$3:$::: had disbursed and *s. 1$67$:::

grants were provide to beneficiaries and this grants amount increased o

*s. 19$ 21$::: during the year 2::?-1:

IN)RASTRUCTURE

5or meeting the infrastructure needs '()*)+ giving loan and

grant facilities to the member. It includes the purposes of constructing

68



SKDRDP

and repairs of house construction of sanitation units and home lighting

system.

5or assist to construction of sanitary units '()*)+ takes the tie up with

;ovt. of (arnataka under “@irmal ;ram Co%ana”

Tab%e no 4

No< of Infra!tructure %oan beneficiarie!7

S%<

No<

Purpo!e (- (-1 Tota% Increa!e

in No<

(-1

in G

1 ouse

construction L*epairs

17? 11 1313 ?86 687.7?

2 'anitation units 366 12?9 1899 ?3 276.73

3 ome 4ighting

units

26 2:6 23: 19: 82:

&otal 6? 278 3331 2:?9 392.1

'ource> 5inal *eports 2::9.?:$ 2::?.1:

s above table shown to provide infrastructure facility to

stakeholder families in the year 2::9.:? it provided loans and grant to

17? families and during the year 2::?.1: it increased by 68?.7?N i.e.$

11 families.

Gnder sanitary units construction assistance in the year 2::9.:?

only 366 families are benefited but in the year 2::?.1: it has increased to

12?9 families. It shows 276.73N of increment in the year.

'()*)+ providing the loan facility to its clients for the purpose

of home lighting system. )uring the year 2::?.1: 2:6 families were

taken this benefit.

69



SKDRDP

s on 31.3.2:1: totally 1313 families are benefited for house

construction and repairs. 1899 families for sanitary units and 23: families

for home lighting units were benefited.

6?



SKDRDP

SE')-E#PO5#ENT ACTI+ITIES>

'()*)+ also promoting other off farm activities by providing the

loan facilities as under>

Tab%e no 4

PER)OR#ANCE IN SE') E#P'O5#ENT ACTI+IITES

No< of member! benefited

S%<no<Non farm

actiitie!(< (<1 Tota%

Increa!e in

(<1

In No< In G

1 "usiness 169 621 1279 373 22?.8

2 ,ehicle

purchase

39 37: 38 322 98.37

3 'ervice : 98 2:3 8 118.6

5ood

+roduct

3 27 27 23 877.77

6 reca 4eaf

plates

2 1 1 J-K1 J-K6:.::

7 Incense

sticks unit

- 9 9 - -

8 &ailoring - 362 362 - -

9 Industry 72 76 128 3 .93

&otal 21 669 236? 318 131.63

'ource> 5inal *eport> 2::9.:?$ 2::?.1:

5or development in non-form activities '()*)+ had been taking

so many measures and

assistance. In 'hikaripur many

opportunities are there to develop

7:



SKDRDP

in the field of non-form activities and to increase the income level of

stakeholders. 5or this '()*)+ giving the loan and grants facilities to

clients.

)uring the year 2::?.1: 621 members got loan facility for

business purpose. It has increased by 22?.8N when compared to last

year beneficiaries.

)uring the year 2::?.1: 37: members for vehicle purchase

purpose : members for service got the loan facility.

)uring the year 9 new Incense stick unit has opened and 362

members got the loan for tailoring and garment purpose.

&here were 2 areca leaf plate units in the year 2::9.:? but one unit

has dissolved due to some reasons.

21 members were benefited in the 2::9.:? and during the

2::?.1: 669 members are benefited. It increased by 131.63N when

compared to 2::9.:?.

s on 31.3.2:1: totally 236? non-form activities are conducted in

'hikaripur.

IRRI0ATION?

Dne of the basic necessities of farming is the availability of

adeuate water. )uring the initial year of promotion of farmer groups a

small financial contribution is provided by '()*)+ for setting up of

irrigation facilities in the field$ loans are also provided for purchase of

sprinklers$ well$ purchase of pump set and other euipments.

Tab%e no 6

71



SKDRDP

PER)ORA#ANCE O) IRRI0ATION PRO0RA##E

=No< of fami%ie! benefited>

S%<

No<

Performance (<1 Tota%

1 "ore well 261 88

2 /ater tank 27 27

3 +ump 'et 223 87:

'prinklers 21 21

6 +ipe purchase 73 37

Tota% 666 (1(

'ource> 5inal *eport 2::?-1:

)uring the year 261 families for bore well$ 27 families for water

tank$ 223 families for pump set purchase$ 21 families for sprinkler$ 73

families for pipe purchase purpose get the loan and grants facility.

/ater tank and sprinkler are newly introducing in this year.

s on 31.3.2:1: totally 88 families for bore well$ 27 families for

water tank$ 223 families for pump set purchase$ 21 families for

sprinkler$ 37 families for purchase of pipes purpose are benefited.5or this Irrigation purpose *s. ?:::.:: grants and *s

919:2:.:: pragathinidhi are provided.

ATER SHED DE+E'OP#ENT PRO0RA##E

'()*)+ conducts programmes on rainwater harvesting and water

management activities to create awareness on water related issues and

follow up with the community for practicing the same.

Tab%e no

Performance in .ater !$ed pro&ramme No< of eneficiarie!<

S%< Purpo!e (< (<1 Tota% A! on

72



SKDRDP

No< /1</<(1

1 "ore well recharge 11 7 18

2 5arm +onds 37 27 72

Tota% 26 /( 6

'ource> 5inal *eport 2::9-:?$ 2::?-1:

s above table shown$ during 2::9-:? 11 bore well are recharged

and in 2::?.1: it decreased to 7 the total @o of beneficiaries for bore

well recharge are 18 families.

)uring the year 2::9-:? 37-farm ponds are constructed and in

2::?.1: 27-farm ponds re constructed as on 31.3.2:1: total 72 form

+onds are constructed.

5or this purpose *s. 79:::.:: loan benefits are provided 79

members.

DAIR5IN0

Tab%e no

Performance! in dair"in& pro&rammeNo< of fami%" benefited

S%<

No<Purpo!e (< (<1

Tota% a! on

/1</<(1

1 attle purchase 1926 3:31 967

2 ,ermi ompost 68 9 1:9

3 ompost 3:2 77

;reen ;rass 112 997 9976 nimal usbandry 37 67 18?

7 attle shed 36 177 83:

8 =ilk dairy :1 22 22

9 'ub sectors 9 28 28

73



SKDRDP

? ;obar ;as 87 16: 317

Tota% (24 26(2 634

&here is good environmental opportunity in 'hikaripur area.

)uring the year 2:::-1:$ 3:31 cattle are purchased and as on 31.3.2:1:

totally 967 cattle are purchased. &here is lack of knowledge about the

scientific dairying among the members. 5or this purpose 1:: of training

programmes are conducted.

s on 31.3.2:1: &otally 9:9 vermi compost 77 compost units$

317 gobar gas plants are constructed. 997 families are growing the green

grass for cattle. 18? animal husbandry and 83: cattle sheds are

constructed.

In 'hikaripur total 22 milk

dairies are constituted and 28

sub milk centers for opened to

collect the milk from

members.

5or dairying purpose *s. 2$6$:::.:: grants and *s.68693:1?.::

pragathindhi are provided during the year 2::?.1: by '()*)+ in

'hikaripur.

CO##UNIT5 DE+E'OP#ENT ACTI+ITIES>

'()*)+ has set up a division to cater to the needs of the

villagesHcommunities in building the basic infrastructure facilities and

basic education reuirements. &he development of the villages is

dependent on the availability of the natural resources and basis

7



SKDRDP

infrastructure in the villages and its optimum use. &he pro%ects

implemented by the community development department are

participatory in nature$ involving the local population and leadership.

76



SKDRDP

&he important pro%ects under community )evelopment pro%ects.

,NANADEEPA EDUCATION PRO0RA##E>

&he nandeepa programme provides support to the rural schools

for aduiring better facilities like buildings$ electrifications$ drinking

water etc.$ It also provides teachers supports to schools having shortage

of teachers.

&hus the organiFation is activity as an important service provides

for better education in the villages

Tab%e no 1

Performance! in ,nanadeepa pro&ramme

=No<of !c$oo% benefited>

'l.

@o.

+urpose 2::9.:? 2::?.1: &otal upto as on

31.3.2:1:

@o. mount @o. mount @o. mount

1 nanadeepa

&eachers provide

11 1: 21

2 &eaching id 28 ?$6: - - 28 ?$6:3 5urniture 6? ?3:::: : 87::: ?8 1332::

'porting material - - 3 1929: 3 1929:

6 'chool "uilding - - 2 3:::: 2 3::::

7 5encing and

playground

3 26::: 2 2:::: 6 66:::

8 )rinking water - - 2 26::: 2 26:::

&otal 1:: ?76: ?: 67?29: 18:79:

Gnder nanadeepa +rogramme to '()*)+ provides 21

nanadeepa teachers for 21 schools.

It provides teaching aid to 28 schools amounted to *s. ?6:.:: *s.

13$32$::-:: amounted furnitureAs are provided ?8 schools.

77



SKDRDP

)uring the year 2::?.1: *s. 19$29: amounted sports materials to

3 schools *s. 3:$:::.:: amount are providd for school building and

repairing to 2 schools. *s. 26$:::.:: are provide for drinking water

facility to 2 schools.

s on 31.3.2:1: to *s. 1$8:$13:.:: benefits are provided under

this %nanadeepa Education programme.

0RA#A *A'5AN 5O,ANA?

Tab%e no 11

enefit! proide under t$e pro&ramme<

S%<

No<

Purpo!e (<1 Tota%

No< Unit No< Amount

1 gricultural Implements 83 6$396 :3 3$78$296

2 onstruction of milk

societies

2 86$::: 6 1$:$:::

3 *ural roads and bridges - - - -

ommunity "uilding 2 66$::: 1$3:$:::6 *eligious ctivities 16 $16$::: 3 ?$3:$:::

Tota% ( 377/3 32 137467(3

)uring the year 2::?.1: amounted to *s. 6$396.:: agriculture

implements are distributed to 83 members.

2 milk dairies are constituted for this purpose *s. 86$:::.:: are

provided.

2 community buildings are constructed.s on 31.3.2:1: in 'hikaripur$ ?3 farmers are benefited by

receiving agriculture implements.

78



SKDRDP

&otally 6 milk dairies or societies$ community hall building are

constructed.

s on 31.3.2:1: for ommunity development activities *s.

16$78$296.:: amounted grants are provided

PRESIDENT SPECIA' PRO0RA##E?

'()*)+ 'tarted implementing a special programme announced

by the +resident of '()*)+ )r. ). ,eerendra eggade in anuary 2::?

to give special assistance for the rural poor to take up livelihood. Improve

agriculture and construct sanitation units.

Tab%e no 1(

0ranted amount under t$e pro&ramme

S%<

No<

Purpo!e No<of Unit! Amount

1 'ustainable Integrated

5arming

39 1$?:$:::

2 'anitation units 286 $12$6::

3 'mall scale diary units 8 $8:$::: ;obar ;as ?8 $96$:::

&otal 68 16$68$6::

'ource> 5inal report 2::?.1:

)uring the year 2::9-1: 286 'anitary units are constructed for this

purpose *s. $12$6::.:: grants are provided

39 'ustainable integrated 5arming unit are established for this

purpose *s. 1$?:$:::.:: amount grants are provided.

"y providing *s. $8:$:::.:: grants 8 small scale diary units

were set up.

In 'hikaripur ?8 ;obar gas plant are constructed for this purpose

*s. $96$:::.:: grants are provided.

79



SKDRDP

s on 31.3.2:1: totally *s. 16$68$6::.:: grants are distributed

under +resident 'pecial +rogramme.

EN+IRON#ENT PROTECTION PRO0RA##ES?

&o create awareness of an environment and protection of

environment. '()*)+ conducts several programmes on 'pecial

forestry$ water conservation$ drinking water supply etc.$ &he programmes

are basically labour intensive and involve community labour given by the

members one to two days in a year.

7?



SKDRDP

Tab%e no 1/

Performance! in enironment protection pro&ramme

No< of Pro&ramme conducted.

S%<

No<

Pro&ramme (<1 Tota% a! on

/1</<(1

1 wareness school level 62 1?6

2 wareness ,illage level 92 11:

3 'chool 5orest 8 8

'chool garden 62: 637

Tota% 441 2'ource> *eport 2::?.1:

)uring the year 2::?.1: 62 school level awareness camps$ 92

village level awareness camps are conducted. 8 school forests are

constituted. 62: school gardens are constituted.

s on 31.3.2:1: totally 1?6 'chool level awareness camps$ 11:

village level awareness camps are conducted. 637 school gardens were

constituted.

CAPACIT5 UI'DIN0 O) THE )AR#ER?

In order to change the mindset of the farmers and prepare them for

planned working and to make them understand the progress in the

technology$ the farmers go through a series of capacity building e#ercises

like training$ installation of demonstration plots$ field$ visits touniversities and model farmers etc.

Tab%e no 12

8:



SKDRDP

Trainin& and a.arene!! pro&ramme

@o of programmes conducted

S%<

No<

Particu%ar (<1 Tota% a! on

/1</<(1

1 griculture training

programme

179 21

2 wareness programme 9? 189

3 )emonstration 123 268

@on agriculture training

programme

131 8:

s on above table during the year 2::?-1:$ 179 agriculture-

training programmes are conducted. 123 )emonstration programmes

awareness programmes are conducted and 131 non-agricultural

programmes conducted to trainup the members$ federation bearers$ about

the maintenance of accounts and for other programmes.

s on 31.3.2:1: totally 21 gricultural training programmes 286

demonstrations$ 189 awareness programmes were conducted and 8: non

agricultural programmes were conducted.

81



SKDRDP

CO'ON5 DE+E'OP#ENT PRO0RA##E

'()*)+ has undertaken the colony improvement activities. &his

programme is conducted with financial support from the organiFation and

programme is conducting for integrals development or the colony.

)uring the year 2::9.1: totally 3 colonies are selected and it

involved 269: families. &otally 231 awareness programmes are

conducted. &hrough this programme the pro%ect give the information

about awareness of sanitation units provides the drinking water facilities

provides the crRche buildings totally it provides overall facilities to

colonies.

#ICRO INSURANCE PRO0RA##E?

'()*)+ has introduced insurance product to protect the stack

holders against hospitaliFation$ death$ permanent disability$ maternity

e#penses$ calamities etc.$ &he organiFation for this purpose has developed

a comprehensive micro Insurance product termed as “'ampoorna

'uraksha” under this programme the insurance service provides are

contracted to provide hospitaliFation over. &he total hospitals or engaged

as net work hospitals to provide cash free treatment to the +olicy holder

upon pre authoriFation.

82



SKDRDP

Tab%e no 13

Performance of !ampoorna !ura;!$a<

S'Bno Particu%ar! (-1 (1-11 Tota%

1 @o of members 2236 3631 6?6?

2 @o families 7629 9922 1636:

3 +remium

collected in *s

3???1:? 681:92: ?8:??2?

'ource> records of '.(.).*.).+.

)uring the year 2::?-1:$ 2236 members were insured it covered 7629

families and *s. 339776 premium were collected.

for the year 2:1:-11$ 3631 members are insured. It involved 9922

families and *s 681:92: premium are collected.

as on 31H3H2:1:$ 1:19 families are benefited amounted to *s. 3???1:?.

'I)E INSURANCE AND ASSET INSURANCE?

s a corporate agent of 4ife Insurance$ orporation of India'()*)+ is populariFing the Qeevan =ahuraA 4ife Insurance +olicy. It is

engaged in introducing a polity to the new beneficiaries and ensuring the

renewal of their policies. )uring the year 2::?-1:$ 6669 policies were

sold by '()*)+ 'avanirathas. laims are settled eually uickly under

the programme.

83



SKDRDP

CHAPTER 4

ANA'5SIS AND INTERPRETATION O) SUR+E5

8



SKDRDP

T$e !ure" ana%"!i! of beneficiarie! of S*DRDP at S$i;aripur

.

*elated to this study$ the survey as is conducted to study the role of

'()*)+ is entrusted with the responsibility of rural development in

'hikaripur taluk.

)ue to many constrains the survey was confined 12 villages of the

taluk were selected on random basis from which9: respondents were

selected$ and these all are members of pragathibandhu and ';s

&he survey is conducted through uestionnaires$ interviews

methods

&his chapter contains two parts. 5irst part discloses the primary or

personal details of the respondent members. 'econd part e#plains the

performance growth and role of '()*)+ in 'hikaripur.

86



SKDRDP

Part 1? ac;&round of re!pondent member!<

Tab%e no 14

&he following table shows name of ,illages and no of respondents as

village vice

+i%%a&e! No of re!pondent! G

Issur 1: 12.6

"egur 1: 12.6

(almane :9 1:.:

&hogarsi :8 9.86

'aalur :8 9.86

itla :7 8.:6

mbligolla :7 8.:6 @elavagilu :7 8.:6

'hikaripur :6 7.26

;ogga :6 7.26

;oddankoppa :6 7.26

grahara

muchudi

:6 7.26

Tota% 1

'ource> field study

&o make survey analysis the above said villages are selected. &o get the

information we had visit the members of ';s. &he villages are selected

on the basis of developed and under developed villages.

87



SKDRDP

0rap$ !$o.in& name of +i%%a&e! and no of re!pondent!

a! i%%a&e ice

12

12%

10

9

9%8%

8

8

6%

6

6%

6

Issur Begur Kalmane Thogarsi

Saalur Hitla Ambligolla Nelavagilu

Shikaripur Gogga Goddankoppa Agrahara muchudi

88



SKDRDP

Tab%e no 16

T$e fo%%o.in& tab%e !$o.! A&e criteria of re!pondent!<

A&e No of re!pondent! G

2: to 26 2: 26.:

27 to 3: 12 16.:

31 to 36 18 18.6

37 to : 29 36.:

1 to 6: :7 8.:6

&otal 9: 1::

'ource> field survey

In the above table respondentAs age are given. &his table showing

that out of 9: respondents 29 members were aged between 37 to : i.e.$

36N of total. ighest part of total members was from 37 to : aged

group. 'econd highest were from 2: to 26 aged group 2: member were

being in that group i.e.$ 26N of the total. &hese groups have youngest

respondents. &he lowest respondents from 7 to 6: aged group. Dnly

8.6N i.e.$ 7 members were there. Dn the basis of above table we cananalysis youth and middle aged people are taking creative participation in

the '()*)+ ';s programmes.

89



SKDRDP

0rap$ !$o.in& A&e criteria of re!pondent!<

8?

20

2

!

2"

#

0

$

0

$

20

2$

%0

20 to 2$ 2# to %0 % to %$ %# to &0 & to $0



SKDRDP

Tab%e no 16

T$e fo%%o.in& tab%e !$o.! Se8ua% bac;&round of re!pondent!

Se8 No of re!pondent! G

=ale 22 28.6

5emale 69 82.6

&otal 9: 1::

'ource> field survey

&he above table shows the participation of male and female in

'()*)+ programmes though +" and ,' ';s. 28.6 NJ 22K of male

were participated in +" groups for labour e#change programmes.

82$6N J69K respondents were female participate in +" and ,' ';s

0rap$ !$o.in& Se8ua% bac;&round of re!pondent!

'ale

2"(

)emale

!2(

9:



SKDRDP

Tab%e no 1

T$e fo%%o.in& tab%e !$o.! t$e Educationa% bac;&round of

re!pondent!

Education No of re!pondent! G

Illiterate 17 2:.:

Gp to primary 1 18.6

Gp to higher primary 19 22.6

Gp to ''4 17 2:.:

+re Gniversity 12 16.:

;raduate :9 3.86

Etc :1 1.26

&otal 9: 1::'ource> field survey

&he above table shows the educational background of the respondents. In

the total no respondents :NJ32K were get the primary education.

Illiterate respondents were 2:N J17K of total. &hese respondents were

from 'H'& and =uslim categories. =ost of the respondents were

educated but N of respondents who got the higher education are very less

i.e.$ only 3.86 NJ :3K. Dn the field survey we find out that most of

respondents said their education level for name sake only.

91



SKDRDP

0rap$ !$o.in& t$e Educationa% bac;&round of re!pondent!

92

#

&

"

#

2

"

0

2

&

#

"

0

2

&

#

"

Illiterate *p to

primar+

*p to higher

primar+

*p to SS,- .re

*niversit+

Graduate /tc



SKDRDP

Tab%e 1

T$e fo%%o.in& tab%e !$o.! t$e Occupationa% bac;&round of

re!pondent!

Occupation No of re!pondent! G

gricultural labor 32 :

ultivator 19 22.6

loth weaving and

tailoring

12 16.:

"usiness :6 7.26

ousehold :9 1:.:

Dther :6 7.26

Tota% 1

&he above table shows the occupational background of the

respondents. In the total Nof the respondents most were agricultural

labors. 2nd highest respondents were from cultivators i.e.$ 22NJ19K. 16N

of respondents were involving in cloth weaving$ tailoring $ 7.26N of

members are involving in businessand other work and 1:NJ9K are

householders.

93



SKDRDP

T$e &rap$ !$o.in& Occupationa% bac;&round of re!pondent!

%2

"

2

$

"

$

0

$

0

$

20

2$

%0

%$

Agricultural

labor

-ultivator -loth

eaving and

tailoring

Business Household 1ther

9



SKDRDP

Tab%e (

T$e fo%%o.in& tab%e !$o.! %ee% Income of re!pondent!

Income per annum No of re!pondent! G

4ess than 9::: 2: 26

9::: to 11::: 3: 38.6

12::: to 16::: 16 19.86

17::: to 2:::: 1: 12.6

2:::: above 6 7.26

Tota% 1

&he above table shows the income generation rates of the respondents.

&he highest Nof respondents i.e.$ 38.6NJ3:K were between the income of

*s 9::: to 11::: per annum. 2nd highest i.e.$ 26NJ2:Krespondents were

generate lees than *s 9::: income per annum. 3rd highest i.e.$

19.86NJ16Kwere from *s 12::: to 16::: income per annum. nd only

7.26NJ6K respondents were earn the income above *s 2:::: per annum.

96



SKDRDP

0rap$ !$o.in& %ee% Income of re!pondent!

%2

"

2

$

"

$

0

$

0

$

20

2$

%0

%$

Agricultural

labor

-ultivator -loth eaving

and tailoring

Business Household 1ther

97



SKDRDP

Part (

T$i! part !$o.! attitude of re!pondent! to.ard! t$e !erice! &ien

b" t$e project

Tab%e no (1

T$e fo%%o.in& tab%e !$o.! t$e opinion of member! re&ardin& t$e

!erice! offered b" S<*<D<R<D<P<

Opinion No< of member! Percenta&e

E#cellent 6: 6:

;ood 2: 26

"etter 1: 12.6

'atisfied :9 1:

Gnsatisfied :2 2.6

&otal 9: 1::

&he analysis of the table reveals that ma%ority ieB 6:N agree that

the service provided by '.(.).*.).+. is e#cellent and 26N feel service

is good$ 12.6N says its better$ 1:N feel satisfied only 2.6N of themembers are not satisfied with the services.

Dpinion of members regarding the functions and work of

'.(.).*.).+. facilities are collected. &he opinions are shown through

tables$ bar charts and pie charts $ uestionnaire is also being given

to members to know their action and reaction against '.(.).*.).+$

'hikaripura taluk.

98



SKDRDP

T$e fo%%o.in& pie c$art !$o.! t$e opinion of t$e member! re&ardin&

S<*<D<R<D<P<

99

/cellent

$0(

Good

0(

Better

#(

Satis3ied

20(

*nsatis3ied

&(



SKDRDP

CHAPTER -6)INDIN0S7 SU00ESTIONS AND CONC'USION

9?



SKDRDP

)INDIN0S7 SU00ESTIONS AND CONC'USION

)indin&!

&oday$ a network of institutions$ organisations e#ists in our country to

develop either entrepreneur or rural development . '.(.).*.).+. is

an integral part of this network functioning in the state of

(arnataka especially for rural development.

'.(.).*.).+. has made a significant contribution to rural area

through the development of entrepreneurship in (arnataka state.

Either the rural development or entrepreneurship development by

'.(.).*.).+. in 'himoga take the form of providing financial

assistance and conducting training programmes to them . owever $

it plays a commercial role as well as promotional role.

ma%ority of members were in the age group of 3:-: years of

age$ married and educated up to graduation level.

=a%ority of the members under survey were motivated to turn to

entrepreneurship by desire to achieve something in life and need for

independence ieB own internal drives and ambitions.

&he survey reveals that $ the education background has nothing to

do with entrepreneurship most of the entrepreneurs succeeded

are having education between primary level to matriculation level.

&he members manage ma%ority of the pro%ects

Independently . owever $ units in the name of women

entrepreneurs are actually managed by self-help groups.

?:



SKDRDP

Su&&e!tion!?

&he present role of '.(.).*.).+. in 'hikaripur taluk offers a

scope for giving few suggestions$ as it is going to play a still ma%or role

in the development of entrepreneurship in rural areas and the up lift-

meant of poor section of the society living below poverty line$ thus

encouraging rural development in the coming years . onsidering this $ a

few suggestions based on survey findings and observations are given

below>

'.(.).*.).+. is not running for earning profit like ommercial

banks as its motto is rural development through entrepreneurship$

the rate of interest on loans should be less than or atleast eual to that

of commercial banks interest.

*ecovery approach should be modified. Enough time should be

given and stringent action against defaulters should be avoided.

&he survey reveals that more and more amount of loan should be

sanctioned for the rural development in each area.

'.(.).*.).+As main aim is rural development$ therefore it should

provide loans to the members to start any kind of business of their

choice.

'urvey reveals that small entrepreneur face problems in generating

income in initial stages. In view of this$ lesser amount may be fi#ed

as instalment for repayment in the initial stages.

?1



SKDRDP

&he trainings should be so designed that the participants should get a

chance to work and also to see the e#isting pro%ects. 'kill formation

should be an important part of the programme.

Conc%u!ion?

&he study was undertaken with an ob%ective of evaluating the the

analysis of '.(.).*.).+.with reference to case study on 'hikaripura

taluk. It has been achieved with the study of financial assistance

provided$ promotional and developmental activities H programmes

conducted in 'hikaripura taluk.

&he survey revealed that '.(.).*.).+. has been successful to a

certain e#tent in developing certain rural areas in 'hikaripura taluk . It

has not only provided entrepreneurial opportunities to the people but

also has undertaken many activities for the development of rural areas. It

has provided many effective training and assistance to the people in

developing entrepreneurial skills among them.

part from all these$ the main thing to be noticed here is$ here is

no sort of cheating either in the minds of people or in the minds of

the staff of the organisation. s the name itself suggest '*I

('E&* )*='&4 the spirituality and devotion of god

makes people to work with faith and belief$ which is the reason for its

rapid growth in all rural areas.

/hether people get any benefit from this organisation or not it is

the discipline which is to be appreciated of this organisation . In the

meetings conducted we can see the women entrepreneurs enriched in

?2



SKDRDP

Indian traditions i.e.$ in sarees and they follow our customs and

traditions i.e.$ lighting the lamp before starting any programmes or

meetings. &hus '.(.).*.).+ is not only working towards rural

development but also enriching our countryAs customs and

traditions.

&he study has been successfully evaluated the performance

of '.(.).*.).+. in rural development. &he suggestions made on

the basis of the findings if implemented in good faith $ would go

on a long way in strengthening the rural areas of (arnataka state in

general and 'hikaripur taluk in particular.

?3



SKDRDP

APPENDI

9ue!tionnaire

ib%io&rap$"

?



SKDRDP

9UESTIONNAIRE

Dear SirB#adam

I am rchana =.). 5inal ".".=$ ;ovt.$ 5irst ;rade ollege$

'hikaripur. 5or my study purpose I have under taken a pro%ect report

entitled “Dee%opment of S$ri *!$etra D$arma!ta%a Rura%

Dee%opment Project:7 .it$ reference to S$i;aripura”. I reuest your

co-operation in completing this work. +lease fill up the enclosed

uestionnaire.

&hanking you$

Cours sincerely$

Arc$ana #<D.

1. @ame of the member >

2. ddress >

3. 'e#>

=ale S T

5emale S T

. ge>

6. =arital status>

=arried S T

Gnmarried S T

?6



SKDRDP

7. Educational <ualification>

@o formal education S T

Gp to 8th 'td S T

Gp to ''4H=etric S T

Gp to )iplomaH ;raduate S T

+ost ;raduate S T

8. Dccupation>

gricultural labours S T

ultivator S T

ouse hold S T

"usiness S T

Dthers S T

9. re you member of '()*)+ ';s U

Ces S T

@o S T

?. re you member of any other self help groupsU

Ces S T

@o S T

1:. )o you attend any training programmeU

Ces S T

@o S T

?7



SKDRDP

11. )oes '()*)+ impact during training period>

Ces S T

@o S T

12. If yes what is the type of training ---------------------------

13. )o you get immediate assistance from '()*)+

Ces S T

@o S T

1. If @o what is the time taken by '()*)+ to provide

ssistance> --------------------------

&ime taken for sanctioning the loan>

16 days S T

3: days S T

16. 4evel of income after getting the benefits and training

E#cellent S T

;ood S T

"etter S T

'atisfied S T

Gnsatisfied S T

?8



SKDRDP

17.re you satisfied with the programmes of '()*)+

E#cellent S T

;ood S T

"etter S T

'atisfied S T

Gnsatisfied S T

18.)o have a knowledge about interest criteria -----------------------

Ces S T

@o S T

19.Cour channels of distribution of grants

)irect to consumers S T

Indirect to consumers S T

1?./hat is your opinion about '()*)+>

--------------------------------------------------------------------------

?9



SKDRDP

I'IO0RAPH5

=anual of '.(.).*.).+.

+ublished "y> '.(.).*.).+.

=anual of )evelopmental activities

+ublished "y> '.(.).*.).+

+ragathi bandhu

'ilver ubilee memorial volume

'outhern Economist

=arch 16$ 2::?

'ilver ubilee memorial volume

.

'econdary data from the files of '.(.).*.).+.

'arvamanya

5undamental of 'tatistics by> '.+ ;upta

*esearch methodology by> (otlari

*ural )evelopment by> *., "edi$ @., "edi

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DARMASTALA GRAMABIRUDI1