Promoting women Entrepreneurship through PMEGP

Scheme – A study of west Tripura District

-Abdur Rahman Choudhury
Senior Faculty Member
RUDSETI, Agartala

Introduction: - ‘’Women is the companion of man, gifted with equal

mental capacity .Investing in women’s education yields one of the highest
returns that equip women with knowledge, skill and self confidence
required for carrying the role of better parents, workers and citizens,
which are regarded as permanent solution to a number of economic and
social problems that improve the quality of life “- Mahatma Gandhi.

Inspite of the views of the Father of Nation, Women entrepreneurs faces a

series of problems right from the initial stage to functional stage. Now-a-
days the term ‘women Entrepreneurship’ become very crucial because the
involvement & interest of women in engaging themselves for income
generation activities, self employment ventures and also in creation of
enterprise is increasing gradually.

Prime Minister Employment Generation Programme is a scheme launched

during 2008-09. The scheme is implemented by Khadi and Village
Industries Commission (KVIC) functioning as the nodal agency at the
national level. At the state level, the scheme is implemented through
State KVIC Directorates, State Khadi and Village Industries Boards
(KVIBs), District Industries Centres (DICs) and banks. In such cases KVIC
routes government subsidy through designated banks for eventual
disbursal to the beneficiaries / entrepreneurs directly into their bank
accounts.

The maximum cost of the project/unit admissible in manufacturing

sector is ₹ 25 lakhs and in the business/service sector, it is ₹ 10
lakhs.Categories of Beneficiary’s Rate of subsidy under PMEGP (of project
cost)Area (location of project/unit) General category
15%(Urban),25%(Rural), Special 25%(Urban), 35%(Rural) (including SC/
ST/ OBC/ Minorities/Women, Ex-servicemen, Physically handicapped,
NER, Hill and Border areas, etc.)The balance amount of the total project
cost will be provided by the banks in the form of term loan and working
capital.
 Any individual, above 18 years of age. At least VIII standard pass
for projects costing above Rs.10 lakh in the manufacturing sector and
above Rs. 5 lakh in the business / service sector. Only new projects are
considered for sanction under PMEGP. Self Help Groups (including those
belonging to BPL provided that they have not availed benefits under any
other Scheme), Institutions registered under Societies Registration Act,
1860; Production Co-operative Societies, and Charitable Trusts are also
eligible. Existing Units (under PMRY, REGP or any other scheme of
Government of India or State Government) and the units that have
already availed Government Subsidy under any other scheme of
Government of India or State Government are NOT eligible.

Objectives of the Study:- After completion of the study , we will be able

1) To Explain the participation of women in PMEGP scheme

2) To identify the key areas of Business by the women Entrepreneurs
3) To explore the possibilities of promoting women entrepreneurship in
Tripura.

 Sample: - women entrepreneurs.

 Sample size :- 1288 nos. PMEGP Beneficiaries of west Tripura .
 Sampling area: West Tripura District
 Sampling Methodology: - Purposive sampling method followed for
conducting the research work. Out of total PMEGP beneficiary 1288
nos. from 2015-16 , 2016-17,2017-18 ,2018-19 taken only women
Beneficiaries for this study .
 Methods of Data Collection: - To complete the study sample
survey conducted through structured and unstructured
questionnaire.
1) Secondary Data: Secondary data collected from PMEGP e- Portal,
SLBC report, DCC report, DIC, KVIC, KVIB, MIS of EDP training
Centre and Banks.
2) Primary data: Primary data collected directly from the women
beneficiaries.
Data Analysis: - Percentile method is used for data analysis .
 Data Analysis:- Data will be analysed through percentile
method .
Result Discussion

Table:-1)
Participation of women Entrepreneurs in 2015-16

SL. Total Beneficiary Women Percentage

Beneficiary
01 359 79 22%
Source: RSETI MIS

Table:-2) Participation of Women Entrepreneurs in 2016-17

SL. Total Beneficiary Women Percentage

Beneficiary
01 311 83 26.7%
Source: KVIC Report

Table: 3) Participation of Women Entrepreneurs in 2017-18

SL. Total Beneficiary Women Percentage

Beneficiary
01 333 100 30.03%
Source: KVIC Report

Table:4 ) Participation of Women Entrepreneurs in 2018-19

SL. Total Beneficiary Women Percentage

Beneficiary
01 227 53 23.34
Source: KVIC Report
Table-5) Participation of Women Entrepreneurs in 2019-20

SL. Total Beneficiary Women Percentage

Beneficiary
01 58 13 22.41%
Source: MIS Report
Table:-6) Social Category wise Participation of Women
entrepreneurs

Financial SC ST OBC MINO GEN

Year
2015-16 14 20 17 02 26
2016-17 16 10 21 01 35
2017-18 13 21 27 01 39
2018-19 08 05 15 0 24
2019-20 03 02 03 0 05
Total 54 58 83 4 129
Source: RSETI MIS
Table:-7) Economic Category wise Participation of Women
Entrepreneurs

Financial Year APL BPL

2015-16 62 17
2016-17 63 20
2017-18 89 12
2018-19 45 07
2019-20 09 04
Total 268 60
Source: RUDSETI Annual Report

Table:-8) Age wise Distribution of women Entrepreneurs

Financial Year 18-25 years 26 to 35 Above 35

years years
2015-16 04 34 41
2016-17 04 36 43
2017-18 07 38 56
2018-19 01 26 25
2019-20 01 05 07
Total 17 139 172
Source: RSETI MIS
Table:-9) Education Wise distribution of women
entrepreneurs

Financial Upto Class 8th to 10th 12th to PG

year VII graduate
2015-16 07 53 17 02
2016-17 09 51 18 05
2017-18 06 69 24 02
2018-19 01 35 14 02
2019-20 01 09 01 02
Total 24 217 74 13
Source: RSETI MIS

Table:-10) Participation of women Beneficiaries

Total No. Candidates received Total Number of women received

Bank loan Bank loan
1288 328

Source: RSETI MIS

 Major Findings:-

 Total number of beneficiary in 2015-16 is 359 nos. & out of total

women beneficiary is only 79 nos.
 Only 22% women beneficiary received loan in 2015-16
 In 2016-17, total number of beneficiary was 311 but women
beneficiary is only 83 nos.
 Percentage of women received loan is 26.7% in 2016-17.
 Only 4.7 % women beneficiary increased in 2016-17 in comparison to
preceding year.
 In 2017-18 , a total of 333 nos. Cases sanctioned by KVIC, DIC, KVIB
and out of that women beneficiary was only 100 nos i.e. 30.03 %
women received loan to start their enterprise.
 Only 3.03 % women beneficiary increased during 2017-18.
 A total 227 nos. Loan sanctioned during 2018-19 and out of that
women beneficiary was only 53 nos i.e. 23.34 % women beneficiary
got bank loan under PMEGP.
 It is remarkable that in 2017-18 the percentage women beneficiary
decreased from the preceding year.
 Again in 2019-20, upto June 2019, only 53 cases are sanctioned &
only 13 women were benefited through Bank loan under PMEGP.
 Only 22.41% women get benefited under the scheme during 2019-20.
 16.46% Scheduled caste women received Bank loan under PMEGP
scheme.
 17.68% Scheduled Tribe Women received Bank finance under PMEGP
scheme.
 25.30% women under OBC category got bank finance under PMEGP
Scheme.
 The percentage of Minority Women is very poor i.e. 1.21%.
 39.32% women under General category get benefited through
PMEGP.
 Out of 328 women beneficiary throughout the years calculated, only
268 women are Above Poverty Level & only 60 Candidates are of
below poverty Level.
 The economic category wise analysis reveals that 81.70% APL
women get benefited under PMEGP scheme whereas the percentage
of BPL women is only 18.29 %.
 Age wise distribution of benefices is exclusive in the sense that the
proportion of young generation is only 17 nos. Out of 328 number of
beneficiaries.
 The percentage 1st generation Entrepreneurs is only 5.18 %
 Out of 328 women entrepreneurs, person under age group i.e 26 to
35 year is 139 nos.
 42.37% women entrepreneurs under middle age group favoured with
Bank finance.
 Out of 328 women entrepreneurs the women under age group above
35 years have received maximum Percentage of PMEGP loan.
 The percentage of women entrepreneurs above 35 years is 52.43 %
that is very much remarkable.
 Distribution of women candidates on basis of education revealed that
7.31% beneficiaries having educational Qualification upto class VII
(Seven).
 66.15% women beneficiaries have been studied from VIII (Eight) to
10th class.
 22.56% women beneficiaries educated 12th class to graduation level.
 Only 3.96% beneficiaries were Post Graduate /Hon’s.
 Majority of projects are trade and service related Rubber sheet
preparation , Beauty Parlour , Grocery , Xerox and DTP unit , Selling of
Hardware goods , Sound system , Medicine Shop , shoe House ,
Engineering fabrication , fast food making , Decorator unit etc.
 A very few projects are production related like sweets preparation ,
leaf plate making , Artificial Jewellery , onetime glass &plate
preparation ,Tailoring & readymade garments, Candle Manufacturing,
Jute products , Soft toys making ,Foam manufacturing, Noddles
manufacturing Agarbatti Making, Shipping Bag , Silver smith etc.

Conclusion: - In conclusion it may be said that enhancement of

women Entrepreneurship in Tripura through Prime Minister
Employment Generation is very much challenging due to following
reasons –

1) Women entrepreneurs are mostly induced entrepreneurs.

2) Lack of awareness among women regarding the facilities of
the scheme.
3) Lack of encouragement for start up of business.
4) Lack of family support
5) Lack of mobility of women entrepreneurs
6) Lack of mentoring and guidance about business planning &
Management.
7) Lack of commitment towards work.
8) Lack of suitable social infrastructure and motivation
9) Inadequate Bank linkage support
10) Less preference to young generation entrepreneurs.
11) Lion’s share of PMEGP loan sponsored to higher age group.
12) Delay in loan releasing process by Banks.
13) Trend of Bankers loan sanctioning to existing business units.
14) Inadequate support in Govt. Subsidised scheme.
15) Lack of proper mentoring for identification of right Business.
16) Inadequate Market linkage.
17) Lack of access to resources
18) Biasness in selection process.
19) Fear of failure
20) Most of the projects are traditional in nature.