LANGUAGE IN INDIA

Strength for Today and Bright Hope for Tomorrow

Volume 12 : 10 October 2012
ISSN 1930-2940

Managing Editor: M. S. Thirumalai, Ph.D.
Editors: B. Mallikarjun, Ph.D.
         Sam Mohanlal, Ph.D.
         B. A. Sharada, Ph.D.
         A. R. Fatihi, Ph.D.
         Lakhan Gusain, Ph.D.
         Jennifer Marie Bayer, Ph.D.
         S. M. Ravichandran, Ph.D.
         G. Baskaran, Ph.D.
         L. Ramamoorthy, Ph.D.
Assistant Managing Editor: Swarna Thirumalai, M.A.

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M. S. Thirumalai
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Micro Enterprise Development of Women in
Urban Informal Sector in Puducherry Region

A. Kumari, M.A., M.Phil., M.Ed. and Dr. N. Malathi, Ph.D.

Abstract

Micro enterprises are accorded with high priority on account of its employment generation, income potential, low capital requirement, short gestation period, useful link with medium and large sectors, promotion of balanced regional development, utilization of local resources and production of exportable products. It trains the women to acquire entrepreneurial ability, obtain economic independence and act as an effective tool to eradicate poverty. So, micro enterprise sector is accepted as a key to sustainable economic growth. This study deals with SHG-Bank linkage, SHG-Agency linkage and SHG-Programme linkage of micro finance and micro enterprise development in Puducherry region.

The growth of urban micro enterprises and women beneficiaries by micro finance are analyzed with the use of linear and exponential trend. The estimated values show that development of micro finance by banks, agencies and programmes, have initiated and accelerated the growth of micro enterprises in Puducherry region. The impact of micro finance on micro enterprise of women in urban informal sector is at similar rate of growth in SHG-Bank linkage (24.9% and 24.8%) and SHG-Agency linkage (21.3% and 20.4%), whereas it is lesser in case of SHG-Programme linkage (32.2% and 14.1%). So efforts are needed to train SHG members, who availed micro finance to start an enterprise.

Introduction

In order to convert subsistence economy of India into a healthy and growing one, it is necessary to take rapid strides in the industrial sector, so as to give gainful employment to the unemployed and full-employment to the seasonally employed or under-employed in a wide range of different industries. World Business Council for Sustainable Development, International Research Centre, Canada, and Development Alternatives, New Delhi, have demonstrated sustainable development linkages based on the experiences of funding institutions to promote micro enterprises. In Germany, women have created one-third of new business representing more than one million jobs since 1990s. In Great Britain, women are engaged in one-fourth of the self employment sector. In Latin America, women constitute 15 to 20 per cent of all employees, concentrated largely in the Commercial and Service sectors. In developing countries like India, with surplus labour and scarce capital, labour centered strategy is essential for maximization of employment. Micro enterprises are given importance in recent years due to capital crisis, mounting unemployment, continuing adverse balance of payment and regional imbalance.

This is only the beginning part of the article. PLEASE CLICK HERE TO READ THE ARTICLE IN PRINTER-FRIENDLY VERSION.

A. Kumari, M.A., M.Phil., M.Ed.
Associate Professor in Economics
Department of Economics
Arignar Anna Government Arts and Science College
Karaikal 609605
Puducherry Union Territory
India
amirthalingamkumari@yahoo.in

N. Malathi, Ph.D.
Professor and Supervisor
Annamalai University
Annamalai Nagar 608002
Tamilnadu
India
malathideivarajan@gmail.com
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