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The IUP Journal of Entrepreneurship Development


Entrepreneurial Capacity Building Needs of Rural Women SHGs in Alternative Poultry Farming: A Case Study in Tamil Nadu, India

--Jothilakshmi M, R Krishnaraj and N K Sudeepkumar

This study aims to understand the socioeconomic traits, training preferences
and the needs of the members of the Self-Help Groups (SHGs) and the
relationship among the members of the women SHGs and their training needs
in alternative poultry, namely, desi chicken and turkey farming. A majority of
the members were young, illiterate, landless, married having a medium-sized
nuclear family, and livestock as the subsidiary occupation with low annual
income. The members were found to have high extension agency contact,
medium level of social participation with low mass media exposure. Half of the
total members had high economic motivation, risk orientation and a favorable
attitude towards developmental programs and group activity. The respondents
need training in desi poultry farming next to dairying and goat rearing.
Members had preferences over venue, duration, mode/type of training, season,
etc. It was observed that in desi chicken and turkey farming, finance, marketing,
disease control, management and feeding were the most preferred areas for
training. The variables of the respondents were found to have varying degrees
of relation with the training needs in desi chicken and turkey farming.

Aspirations and Motives of Women Entrepreneurs: An Empirical Study of Varanasi District

-- Usha Kiran Rai and Monica Srivastava

Small-scale entrepreneurship plays a significant role in the economic development of a developing country. Therefore, the development of motivation in individuals is a crucial input to entrepreneurship. Basically, entrepreneurship is a result of one’s motivation to achieve specific goals in life which is supported by other environmental factors. Motivation causes goal-directed behavior. A motivated person is likely to have broader vision which helps him/ her to make life more meaningful. Motivation is an index belief in one’s own resourcefulness to take up challenging tasks like entrepreneurship. In this context, this paper examines the motives of women entrepreneurs in starting a small-scale enterprise in the socioeconomic milieu of Varanasi district. The sample units were selected randomly resulting in a sample size of 150 units. The data were collected through a structured questionnaire and informal interviews. The conclusions drawn from the empirical study show that the direct support from their family members (in the form finance) encouraged them to start their new ventures, which is a healthy signal for economic development of the country.

Industrial Sickness in India: Causes, Consequences and Curses

-- A Satyanarayan and P V Purna Kumari

Industrial sickness in Small-Scale Industries (SSIs) is not a regional problem, rather it is a global problem now. Besides the role of internal management, a combined effort is highly needed from the external agencies for an effective revival program of these sick units. Especially the role of the government, financial institutions and the development agencies is vital to tackle the problems of industrial sickness. Further, it is suggested that a team of experts in production, marketing and finance should also share their experiences to improve the performance of the sick units. It would be ideal that they should assume this responsibility with a sense of urgency and shoulder the burden of revival of these units. As the time factor is very important, instead of making industrial sickness a chronic problem it can be prevented (to a considerable extent) at the early stage.

Centralization of Microfinance

-- Sonia Singh and Hiranmay Saha

Robust economic growth is not possible without putting in place well-focused integrated programs to reduce poverty through empowering the people by increasing their access to the factors of growth, especially credit issues at the micro level. Bridging the gap between the potential demand for and the actual supply of microfinance services is a big challenge. In this paper, the growth and transformation of microfinance organizations has been discussed. The key context of the paper is how poor people can easily avail the microfinancial services under one umbrella in the fastest way. While discussing the factors and the theoretical position associated with innovation in microfinance, this paper has also brought out the missing link between the lender and borrower in the Indian context. As per the authors, filling of this gap is a precondition for poverty reduction on account of the influence of new paradigm of institutional viability under commercial microfinance.




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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.


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