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Evaluation of Government Financial Schemes with Reference to Promotion of Women Entrepreneurship in Pune A Thesis Submitted To Bharati Vidyapeeth University, Pune For the Degree of Doctor of Philosophy In the Subject of Management under Faculty of Management Studies By Mrs. Shivali Ingawale Under the Guidance of Dr. Nitin Nayak Research Centre Institute of Management and Entrepreneurship Development Pune - 411 038 (July 2015) Certificate of Approval of Dissertation by the Guide This is to certify that the work incorporated in the thesis, “Evaluation of Government Financial Schemes with Reference to Promotion of Women Entrepreneurship in Pune” submitted by Mrs. Shivali M. Ingawale for the degree of ‘Doctor of Philosophy’ in Management Studies in Bharati Vidyapeeth Deemed University has been carried out by the candidate under my guidance from April 2009 to July 2015. Any data obtained from other sources has been duly acknowledged in this thesis. Dr. Nitin D. Nayak Date: Place: Pune DECLARATION BY THE CANDIDATE I, Mrs. Shivali M. Ingawale, declare that the thesis titled “Evaluation of Government Financial Schemes With Reference to Promotion of Women Entrepreneurship in Pune,” submitted by me is original piece of work carried out by me under the guidance of Dr. Nitin D. Nayak during the period from April 2009 to July 2015 for the degree of Doctor of Philosophy (Ph.D.) in Management Studies in Bharati Vidyapeeth Deemed University. I further declare that it has not been submitted to this or any other University or Institution for the award of any degree or diploma. I further declare that any data obtained from other sources& incorporated in this thesis has been duly acknowledged. Mrs. Shivali M. Ingawale Date: Place: Pune Certificate This is to certify that the work incorporated in the thesis entitled “Evaluation of Government Financial Schemes with Reference to Promotion of Women Entrepreneurship in Pune” for the degree of ‘Doctor of Philosophy’ in the subject of Management under the Faculty of Management Studies has been carried out by Mrs. Shivali M. Ingawale at Bharati Vidyapeeth University, Institute of Management and Entrepreneurship Development, Pune during the period from April 2009 to July 2015 under the guidance of Dr. Nitin D. Nayak. Place: Pune Dr. Sachin S. Vernekar Date: Director, BVU’s IMED, Pune ACKNOWLEDGEMENTS The present research work has been completed under the guidance of Dr. Nitin D. Nayak Director, Bharati Vidyapeeth Deemed University’s Institute of Management, Kolhapur. I would like to express my profound gratitude and sincere thanks to Dr. Nayak Sir for his constant encouragement, valuable guidance and precious help throughout my research work. I am extremely grateful to Dr. Ashok Ranade, Faculty of Management Studies, for his whole hearted cooperation, blessings and support to carry out research work. I am also thankful to Prof. Pramod Kadam for helping me in the data analysis. I take this opportunity to thank the staff of D.I.C. Pune, MAVIM Pune office, MCCIA Pune, Bank of India & State Bank of India who helped me to collect Primary and Secondary Data required for the research work. I would also like to acknowledge the encouragement of Dr. Ashok Joshi, Director INDSEARCH, Pune. Finally, I would like to acknowledge with gratitude, the support & love of my family- my husband Makarand, daughter Mitali, son Indraneel & mother-in-law Smt. Vasundhara. They all kept me going during this long journey & this research work would not have been possible without them. Mrs. Shivali M. Ingawale INDEX PAGE NOS. Chapter I: INTRODUCTION 1-30 1.1 The Entrepreneur 1-3 1.2 Entrepreneurship 3-4 1.3 Global Entrepreneurship Scenario 4-11 1.4 Indian Entrepreneurship and conducive environment 11-13 1.5 Qualities of an Entrepreneur 13-15 1.6 Training of Entrepreneurs 15-18 1.7 Barriers to Entrepreneurship 19-21 1.8 Barriers to Entrepreneurship in Indian Context 21-26 1.9 Entrepreneurship and its Benefits 27-29 1.10 Rationale of the study 29-30 Chapter II: LITERATURE REVIEW 31-82 2.1 Women Entrepreneurship around the World 31-33 2.2 Women Entrepreneurship and various dimensions and 33-47 issues (Global Level) 2.3 Women Entrepreneurship in India: Dimensions and Issues 48-51 2.4 Women Entrepreneurship in Maharashtra 51-55 2.5 Women Entrepreneurship in & around Pune 55-56 2.6 Perspective about Indian Women Entrepreneurs 56-73 2.7 Barriers to Women Entrepreneurship in India 73-77 2.8 References 78-82 Chapter III: FINANCIAL SCHEMES FOR WOMEN ENTREPRENEURS 83-126 3.1 Financial Support in South Korea, Pakistan and Bangladesh 83-85 3.2 Organisational Set Up for Finance in India 86-91 3.3 SME Sector Profile in India 91-96 3.4 Gov. Financial Schemes in India 96-113 3.5 Financial Schemes selected for study-For Promotion of 114 Women Entrepreneurship 3.6 Schemes of MSME 114-122 3.7 Schemes of Nationalized Banks 122-123 3.8 Scheme of the State Government 124-126 Chapter IV: OBJECTIVES AND HYPOTHESES 127-131 4.1 Objectives of the Study 127-130 4.2 Formulation of the Hypotheses 130-131 Chapter V: METHODOLOGY OF RESEARCH 132-140 5.1 Population of Survey 132 5.2 Samples for the Survey 133 5.3 Statistical Tools for Analysis 134 5.4 Data Collection 134 5.5 Pilot Survey 135 5.6 Questionnaire Designing and Development 135-140 Chapter VI: DATA ANALYSIS AND FINDINGS 141-163 6.1 Analysis related to the Year-wise Composition & the Type 141-144 of Financial Scheme Availed 6.2 Analysis related to Promotional Awareness of the Scheme 144-146 6.3 Analysis related to Primary level of Promotion of the 146-148 Scheme 6.4 Analysis related to Real Level of Promotion of the 148-154 Schemes 6.5 Analysis related to Financial Reasons of 154-156 Nonattainment of the Scheme 6.6 Analysis related to Non-financial Reasons of non-attainment 157-158 of the Scheme 6.7 Analysis related to Symbiotic factors of the Scheme 159-160 6.8 Summary of Hypotheses & Findings of the Scheme 160-165 Chapter VII: FINDINGS & SUGGESTIONS 166-178 7.1 Findings of the study 166-171 7.2 Observation of the Study 172-173 7.3 Suggestions to Government 173-175 7.4 Suggestions to the Banks 176 7.5 Suggestions to NGOs 176 7.6 Suggestions to Beneficiary Women Entrepreneurs 177 7.7 Suggestions to Policy Makers 177-178 BIBLIOGRAPHY 179-183 ABBREVIATIONS 184-186 ANNEXURE A WOMEN ENTREPRENEURSHIP IN 187-191 INDIA- DETAILS Table A1 State-wise Distribution of Working 187-188 Entrepreneurships by Type of Ownership Table A2 Women Entrepreneurship Scenario-Maharashtra 189-190 Table A3 Women Enterprises by Sources of Power & 191 Sources of Finance in Maharashtra ANNEXURE B QUESTIONNAIR 192-202 English 192-197 Marathi 198-202 ANNEXURE C List of the Women Entrepreneurs in the 203-214 Sample Survey LIST OF TABLES TABLE NO. DETAILS PAGE NOS. 1.1 Global Economies by Geographic Region 5-6 and Economic Development Level 1.2 Global Entrepreneurial Attitudes and 8-10 Perceptions by Geographic Region 1.3 Track of National Level Institutions 11 1.4 Institutions for SSI Entrepreneurship Development 12 2.1 Composition of Men and Women Entrepreneurs 50 2.2 Maharashtra - Working Entrepreneurships by Type of 51 Ownership by Social Category and Women Enterprise 2.3 Summary of Census of MSME in Pune District 56 3.1 Scheme for International Exposure 96 3.2 Scheme for Performance Credit Rating 97 3.3 Scheme for Training Institutes 98 3.4 Scheme for Marketing Assistance 99 3.5 Scheme for Self Employment (PMEGP) 100 3.6 Scheme for Regeneration of Traditional Industries 102 (SFURTI). 3.7 Scheme for Marketing Assistance & Technology 103 Up-gradation of MSME’s 3.8 Scheme for Infrastructural Development 104 3.9 Scheme for awareness training on Cluster Development 105 3.10 Scheme for Project Report Development 105 3.11 Scheme for Funding Analytical Study 106 3.12 Scheme for Tangible Assets 106 3.13 Scheme for Common Display Center 107 3.14 Scheme for Motivation and Skill Development in Cluster 108 3.15 Scheme for Collateral Free Credit 108 3.16 Scheme for International Trade Participation 109 3.17 TREAD- support for conducting Women’s programs 110 3.18 TREAD-Loan related assistance to women 110 3.19 TREAD-Participate in training programs for women 111 3.20 State Bank of India 112 3.21 Bank of India 112 3.22 Tejaswini Maharashtra Rural Women Empowerment 113 Programme 3.23 MSE-CDP Activities & Implementing Agencies 119 6.1 Year wise composition of women enterprise 142 6.2 Composition of Financial Scheme Availed 143 6.3 Composition of Sources leading to awareness of 145 Financial Schemes 6.4 Chi-Square Test Values for Hypothesis 1 146 6.5 Typology and Magnitude of Nature of Help 147 6.6 Level of Agreement about Indicators of Promotion 149 6.7 Indicator wise Summary of Level of Effectiveness 154 6.8 Chi-Square Test Values for Hypothesis 2 156 6.9 Composition of Responses to non-financial reasons 157 6.10 Composition of additional factors from respondents 157 6.11 Chi-Square Test Values for Hypothesis 3 158 6.12 Composition of Responses to Symbiotic factors 159 6.13 Composition of factors reveled by the respondents 159 6.14 Status of Hypothesis 160 6.15 Statistical Correlation of Symbiotic Factors 164-65 LIST OF CHARTS/GRAPHS CHART NO. DETAILS PAGE NOS. 2.1 Composition of Men and Women in Indian Economy 49 2.2 Composition of Men and Women run Enterprises 50 2.3 Composition of Registered Units in Maharashtra 52 2.4 Composition of Unregistered MSMEs in Maharashtra 53 2.5 Total no.
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    THE PUNE DISTRICT CENTRAL CO-OPERATIVE BANK LTD. INFORMATION TECHNOLOGY DEPARTMENT HEAD OFFICE: Pune District Central Co-op. Bank Ltd., B 4, B. J. Road, Pune. Pin – 411001 REQUEST FOR PROPOSAL (RFP) FOR Appointment of Network Management Service Provider and Branch Network Equipment Provider REF NO. : PDCC/IT-Tender/2018-19/002 RELEASE DATE: 03-09-2018 PARTICULARS DEADLINE Last Date of Submission of RFP related pre bid query 10/09/2018, 16:00 hours Pre-bid Meeting 11/09/2018, 13:00 hours Last date of submission of the Technical and Commercial bid 25/09/2018, 15:00 hours Date of opening of the Technical bid 25/09/2018, 16:00 hours Bank email id for RFP related communication [email protected] 1 TABLE OF CONTENT 1. OBJECTIVE ................................................................................................................................................................................. 4 2. PROJECT STRUCTURE ........................................................................................................................................................... 4 3. IMPLEMENTATION SCHEDULE ........................................................................................................................................ 4 4. ELEGIBILITY CRITERIA ........................................................................................................................................................ 5 5. SCOPE OF WORK ....................................................................................................................................................................
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    hdu SN HDU Name Registration No. Organisation Address Phone / Fax Number email Fees Paid Joining Date Expiry Date Division 1 Chief Engr., M.J.P., Amravati 1/Hp/Sw/Amr/1999 Semi Govt Maharashtra Jeevan Pradhikaran,Amravati 0 xx 500 20/08/1999 19/08/2004 H P Dn Amravati 2 Amravati University 2/Hp/Sw/Amr/1999 Educational Amravati 0 xx 500 21/08/1999 20/08/2004 H P Dn Amravati 3 S.E.M.I.(local sector)Amravati 3/Hp/Sw/Amr/2000 Government Amravati 0 xx 500 11/01/2000 10/01/2005 H P Dn Amravati 4 Government Engg.College, Amravati 4/Hp/Sw/Amr/2000 Educational Amravati 0 xx 500 11/01/2000 10/01/2005 H P Dn Amravati 5 Badnera Engg.College ,Badnera 5/Hp/Sw/Amr/2000 Educational Anjangaon Bari Rd;P.O sai nagar AMRAVATI Ph-0721/2681159;2681246 Fax-2681337 [email protected] 500 12/01/2000 11/01/2005 H P Dn Amravati 6 Ex.Director,Tapi Irrigation Development Corp., Jalgaon 6/Hp/Sw/Amr/2000 Government Tapi Khore Vikas Mandal ,Jalgaon 0 xx 500 08/02/2000 07/02/2005 H P Dn Amravati 7 Ex.Engr., Dhule Medium Project Divn., Dhule 7/Hp/Sw/Amr/2004 Government Sinchan Bhavan,Sakri Road, Dhule 424001 02562/200264 xx =500+500 30/04/2004 29/04/2009 H P Dn Amravati 8 Gangasagar Gramsudhar Sanstha 8/Hp/Sw/Amr/2000 Non Govt Organisation Kata,Tal-Dist-Washim 0 xx 500 12/05/2000 11/05/2005 H P Dn Amravati 9 Ex.Engr., Narmada Divn., Nandurbar 9/Hp/Sw/Amr/2001 Government Near Khodai Mata Mandir, Nandurbar (02564)222291 xx =-500+500 01/01/2001 31/07/2014 H P Dn Amravati 10 E.D.Shetkari Sakhar Karkhana 10/Hp/Sw/Amr/2001 Non Govt Organisation Shirpur Jalgaon 0 xx 500 17/02/2001 16/02/2006 H P Dn Amravati 11 Bhrat Heavy Electricals 11/Hp/Sw/Amr/2001 Non Govt Organisation Ranipur,Haridawar 0 xx 500 31/03/2001 30/03/2006 H P Dn Amravati 12 Ex.Engr., Narmada Development Divn.