Professional Documents
Culture Documents
By
Kulvir Kaur
Roll No. 1432961
PREFACE
This project report has been prepared as per the requirement of the syllabus of MBA course
structure under which the students are the required to undertake project. It was a firsthand
experience for me as that I was exposed to the professional set-up and were facing the market,
which was really a great experience. During project period, I had very touching experiences.
When business is involved, experiences counts a lot, as we know, experience are an instrument,
which leads towards success. Now I take this opportunity to present the project report and
sincerely hope that it will be as much knowledge enhancing to the readers as it was to use during
the fieldwork and the compilation of the report.
ACKNOWLEGEMENT
I,KULVIR KAUR highly grateful to the Dr.Jagdeep Singh, Director SOMS Bhaddal, for
providing this opportunity to carry out the present report.
I would like to express a deep sense of gratitude and thanks to my mentor, Ms. Amampreet
Kaur , Asst. Prof.IMS, their guidance, suggestions and discussions which were extremely
helpful in the completion of my project otherwise it would have been impossible to complete the
report in this manner.
As MBA course requires equal attention towards practical as well as theoretical aspect of
business, various problems are to be dealt with in that course, thats why research programmes
are there to give deep as well as thorough knowledge of the subject and the problems which are
practical whenever one entered in the profession. Research programmes are included in the
curriculum of various management sources so as to provide students with practical knowledge
and exposure to the professional life. My project entitled A STUDY OF CONSUMER
BUYING BEHAVIOR TOWARDS MOBILE PHONE. A sincere effort has been made to
bring about the facts and I hope that this report meets the given expectations and various
requirements of the research.
And lastly many thanks to my family who cheered me in good times, encouraged me in bad
times and understood me at all times.
Kulvir Kaur
CONTENTS
Topic
Page no.
PREFACE
ACKNOWLEDGEMENT
PULL-PUSH FACTORS
12
13
REVIEW OF LITERARTURE
14
RESEARCH METHODOLOGY
19
21
37
SUGGESTION
38
CONCLUSION
39
BIBILIOGRAPHY
42
APPENDIX
44-52
Women in India are faced many problems to get ahead their life in business. A few problem can
be;1. The greatest deterrent to women entrepreneurs is that they are women. A kind of patriarchal
male dominant social order is the building block to them in their way towards business success.
Male
members
think
it
big
risk
financing
the
ventures
run
by
women.
2. The financial institutions are skeptical about the entrepreneurial abilities of women. The
bankers consider women loonies as higher risk than men loonies. The bankers put unrealistic and
unreasonable securities to get loan to women entrepreneurs. According to a report by the United
Nations Industrial Development Organization (UNIDO), "despite evidence that women's loan
repayment rates are higher than men's, women still face more difficulties in obtaining credit,"
often due to discriminatory attitudes of banks and informal lending groups (UNIDO, 1995b).
3. Entrepreneurs usually require financial assistance of some kind to launch their ventures - be it
a formal bank loan or money from a savings account. Women in developing nations have little
access to funds, due to the fact that they are concentrated in poor rural communities with few
opportunities to borrow money (Starcher, 1996; UNIDO, 1995a). The women entrepreneurs are
suffering from inadequate financial resources and working capital. The women entrepreneurs
lack access to external funds due to their inability to provide tangible security. Very few women
have
the
tangible
property
in
hand.
4. Women's family obligations also bar them from becoming successful entrepreneurs in both
developed and developing nations. "Having primary responsibility for children, home and older
dependent family members, few women can devote all their time and energies to their business"
(Starcher, 1996, p. 8).The financial institutions discourage women entrepreneurs on the belief
that they can at any time leave their business and become housewives again. The result is that
they are forced to rely on their own savings, and loan from relatives and family friends.
5. Indian women give more emphasis to family ties and relationships. Married women have to
make a fine balance between business and home. More over the business success is depends on
the support the family members extended to women in the business process and management.
The interest of the family members is a determinant factor in the realization of women folk
business
aspirations.
6. Another argument is that women entrepreneurs have low-level management skills. They have
to depend on office staffs and intermediaries, to get things done, especially, the marketing and
sales side of business. Here there is more probability for business fallacies like the intermediaries
take major part of the surplus or profit. Marketing means mobility and confidence in dealing with
the external world, both of which women have been discouraged from developing by social
conditioning. Even when they are otherwise in control of an enterprise, they often depend on
males of the family in this area.
7. The male - female competition is another factor, which develop hurdles to women
entrepreneurs in the business management process. Despite the fact that women entrepreneurs
are good in keeping their service prompt and delivery in time, due to lack of organisational skills
compared to male entrepreneurs women have to face constraints from competition. The
confidence to travel across day and night and even different regions and states are less found in
women compared to male entrepreneurs. This shows the low level freedom of expression.
8. Knowledge of alternative source of raw materials availability and high negotiation skills are
the basic requirement to run a business. Getting the raw materials from different souse with
discount prices is the factor that determines the profit margin. Lack of knowledge of availability
of the raw materials and low-level negotiation and bargaining skills are the factors, which affect
women entrepreneur's business adventures.
9. Knowledge of latest technological changes, know how, and education level of the person are
significant factor that affect business. The literacy rate of women in India is found at low level
compared to male population. Many women in developing nations lack the education needed to
spur successful entrepreneurship. They are ignorant of new technologies or unskilled in their use,
and often unable to do research and gain the necessary training (UNIDO, 1995b, p.1). Although
great advances are being made in technology, many women's illiteracy, structural difficulties, and
lack of access to technical training prevent the technology from being beneficial or even
available to females ("Women Entrepreneurs in Poorest Countries," 2001). According to The
Economist, this lack of knowledge and the continuing treatment of women as second-class
citizens keep them in a pervasive cycle of poverty ("The Female Poverty Trap," 2001). The
studies indicate that uneducated women do not have the knowledge of measurement and basic
accounting.
10. Low-level risk taking attitude is another factor affecting women folk decision to get into
business. Low-level education provides low-level self-confidence and self-reliance to the women
folk to engage in business, which is continuous risk taking and strategic cession making
profession. Investing money, maintaining the operations and ploughing back money for surplus
generation requires high risk taking attitude, courage and confidence. Though the risk tolerance
ability of the women folk in day-to-day life is high compared to male members, while in
business it is found opposite to that.
11. Achievement motivation of the women folk found less compared to male members. The low
level of education and confidence leads to low level achievement and advancement motivation
among women folk to engage in business operations and running a business concern.
12. Finally high production cost of some business operations adversely affects the development
of women entrepreneurs. The installation of new machineries during expansion of the productive
capacity and like similar factors dissuades the women entrepreneurs from venturing into new
areas.
17. Making provision of micro credit system and enterprise credit system to the women
entrepreneurs at local level.
18. Repeated gender sensitization programmers should be held to train financiers to treat women
with dignity and respect as persons in their own right.
19. Infrastructure, in the form of industrial plots and sheds, to set up industries is to be provided
by state run agencies.
20. Industrial estates could also provide marketing outlets for the display and sale of products
made by women.
21. A Women Entrepreneur's Guidance Cell set up to handle the various problems of women
entrepreneurs all over the state.
22. District Industries Centers and Single Window Agencies should make use of assisting
women in their trade and business guidance.
23. Programmers for encouraging entrepreneurship among women are to be extended at local
level.
24. Training in entrepreneurial attitudes should start at the high school level through welldesigned courses, which build confidence through behavioral games.
25. More governmental schemes to motivate women entrepreneurs to engage in small scale and
large-scale business ventures.
26. Involvement of Non Governmental Organizations in women entrepreneurial training
programmers and counseling.
REVIEW OF LITERATURE
Pooja Nayyar and et al(2007) conducted a study on hundred women entrepreneurs
selected through random and snowball sampling technique from four zones of Himachal
Pradesh. Nursing homes, boutiques, handloom units, beauty parlours carpet making units and
general stores were the enterprises selected for study. The objectives of the endeavour were to
ascertain the financial, marketing and production constraints faced by women in their
enterprises; assessment of their health status, work place facilities and to develop guidelines for
becoming a successful entrepreneur. Poor location of unit, tough competition from larger and
established units, lack of transport facility, lack of rest and sleep and non-availability of raw
material were the significant problems faced by entrepreneurs. The factors causable to these
problems were; difficulty in affording own vehicle, not being popular, heavy schedule of work
and long working hours. Common entrepreneurial problems can be dealt by formulating self help
mutually aided groups. Support mechanism such as institutional credit need to be strengthened to
keep entrepreneurs aware about loaning schemes/credit facilities for further expansion.
Dr Rajeev Singh & Mr. Pramod Nagaich(2011) made the analyses to identify the major
problems of women entrepreneurs in Jabalpur city with the objectives of analyzing the various
problems faced by them. For women entrepreneurs," starting and operating a business involves
considerable risks and difficulties regarding obtaining lines on credit, problems in marketing
management, production, advertising and packaging and other socio-personal, managerial,
technical, Raw-material, Inventory, Financial and governmental assistance problems. By
suggesting the remedial measure which will help in the acceleration of women
Entrepreneurship in the city.
Dr.G. Jayammal(2005) conducted the research study to analyse the problems of women
entrepreneurs with special reference to some selected units in Coimbatore District of the
State of Tamil Nadu .The main objective of the study has been to understand the socioeconomic
Back-ground of women entrepreneurs, and their problems in running their enterprises efficiently
and profitably. All most all the women entrepreneurs irrespective of their education ,age, married
and the unmarried, caste, religion, type of organizations, ownership type, experience, amount
of capital investment , fixed assets have ranked the problem of finance as first in order
followed by the problem relating to sales, competition from other sellers, purchase of raw
materials, technical problems and labour related problems.
Dr. D.K.Maheswar and et al() conduct the study
emergence of women entrepreneurs further study highlighted the major constraint and
challenges faced by women entrepreneur and opportunity available to them. At the end the paper
makes some suggestions for increase or promotion of women entrepreneurs and healthy growth
of women entrepreneurs in India. Women entrepreneurs need to be lauded for their increased
utilization of modern technology, increased investments, finding a niche in the export market,
creating a sizable employment for others and setting the trend for other women entrepreneurs in
the organized sector. Indian women business owners are changing the face of businesses of
today, both literally and figuratively. The dynamic growth and all indications are that it will
continue unabated. For more than a decade, the number of women-owned businesses has grown
at one-and-a-half to two times the rate of all businesses. Even more important, the expansion in
revenues and employment has far exceeded the growth in numbers.
Tulus Tambunan(2009) has been made the study with aims to examine recent
developments of women entrepreneurship in Asian developing countries. This issue is currently
very important since it is part of ongoing national efforts to alleviate poverty in developing
countries in relation to the Millennium Development Goals (MDGs). Greater opportunities for
women to become entrepreneurs (or to have better income paid jobs) will help much in poverty
reduction. .Methodologically, this study is based on data analysis and a review of recent key
literature. This paper focuses only on women entrepreneurs in small and medium enterprises.
The findings of this study show three main important facts. First, SMEs are of overwhelming
importance in the region, as they account, on average per country, for more than 95 percent of all
firms in all sectors. Second, the representation of women entrepreneurs is still relatively low
which can be attributed to factors such as low level of education, lack of capital, and cultural or
religious constraints. Third, most of women entrepreneurs in SMEs are from the category of
forced entrepreneurs seeking for better family incomes. This suggests that when women are
better educated and have better paid employment opportunities increase for women, the
participation of women as entrepreneurs in SMEs may decline.
R.Ganesan And Et Al(2002) holds strong particularly when such a strategy is being tried
on women. In the present context many of the theories dealing with entrepreneurship has seen a
divergence from practice. It is seen that many entrepreneurs are motivated on their own to start
their own enterprises. Many of these entrepreneurs actually do not receive any structured
entrepreneurial input. They learn the same through trial and error. Keeping these views on
entrepreneurship, this article deals with the problems, which these self-motivated women
entrepreneurs con front, and then highlights the prospects and the future challenges. The article
establishes the role entrepreneurial training can play in making the ventures initiated by these
self-motivated women self-sustaining. The article identifies the concern areas of these women
who are in business and also proposes what kind of entrepreneurial training would be ideal. The
authors feel that when more women initiate businesses without such formal training, one should
prob ably then start investing resources into making them stand on their own. The article has also
identified certain special factors and problems women in business generally confront and the
gendered root of such problems. The suggestion is that these problems could be taken care of
through investing in building network and alliances.
Asghar Afshar Jahanshahi and et al (2010) Todays world is changing at a startling
pace. Political and economic transformations seem to be occurring everywhereas countries
convert from command to demand economies, dictatorships move toward democracy, and
monarchies build new civil institutions. These changes have created economic opportunities for
women who want to own and operate businesses. Today, women in advanced market economies
own more than 25% of all businesses and women-owned businesses in Africa, Asia, Eastern
Europe and Latin America are growing rapidly. This paper focuses on woman entrepreneur. Any
understanding of woman in global scene and especially in India, also the paper talks about the
status of woman entrepreneurs and the problems faced by them when they set up and managed
their own businesses in the competitive world of business environment.
Sujata Kumari and et al (2010) The study was undertaken with an objective to study
the problems of rural women entrepreneurs. It was conducted in the rural areas of Rajasthan with
60 rural women of whom half were engaged in entrepreneurial activity and half were not.
Interview method was used to collect data from women. Information on the entrepreneurial
problems was gathered and analyzed. The results of the study indicate lack of supportive
network, financial and marketing problems were the major problem areas for rural women
entrepreneurs and major demotivator for other women to initiate entrepreneurial activity.
Yang (2004) explained that there are three stages of economic development of women.
Stage 1: As family workers without wages, Stage 2: As the wife of the boss, Stage 3: As
independent business owners. The availability of Internet at home in Asia has increased very
recently due to reduction in prices. Earlier it was not affordable for many household to have
internet connection. In rural areas it is not available at all and in urban areas, where it is
available, it is still treated as luxury. 1 means that for the first stage of economic Development of
women, it was not available. For the second stage, certainly it is available but not many women
are working in some of the Asian countries. At the third level, it is picking up as many Small and
Medium Enterprises (SMEs) are adopting ICT for better decision making and reaching globally.
(Yang, J. (2004). Free and Young- Programs for women Entrepreneurship: Women
entrepreneurship and ICT World Knowledge Forum, 2004, Seoul Korea.)
Dr.N.V.Kavitha And Dr .P.Sai Rani (2011) makes an attempt to study the opportunities
and financial challenges of women entrepreneurs in Andhra Pradesh with an objective to
ascertain the financial and marketing constraints faced by women in their enterprise .The Scope
of study is restricted to few districts in Andhra Pradesh and small business units. The study was
carried on 100 women enterprises with the help of structured questionnaires and efforts were
made to cover all districts of Andhra Pradesh, with respect to small scale units with the help of
data available from ALEAP,(Association of lady entrepreneurs in Andhra Pradesh) and FAPCCI
(Federation of Andhra Pradesh Chambers of Commerce and Industry)and at some places snow
ball sampling was also adopted. Data was collected through structured questionnaires and they
being tabulated taking educational qualification of the respondents, turnover of the enterprise,
year of establishment, and age of the respondents as variables.
RESEARCH METHODOLOGY
INTRODUCTION
Research is the process of gathering and analysis of critical and relevant facts about any.
It is a way to systematically solve the search problem. The research is the process of defining
and redefining problems formulating hypothesis or suggested solutions, collecting, organizing
and evaluating data, making declarations and reaching conclusions and at last carefully testing to
determine whether they fit the hypothesis by Clifferd Woody.
The researcher also need to understand the assumptions underlying the various
techniques and procedures will be applicable to certain problems and others will not. The
advanced dictionary of current English lays down the meaning of research as A careful
investigation or enquiry specially through search for new facts in any branch of knowledge.
RESEARCH DESIGN
A research design is the arrangement of condition for collection and analysis of data in a
manner that aims to combine relevant to the research purpose with economy in procedure.
The researcher has adopted Descriptive research design. Since, it describes the state of
affairs as it exists at present.
SAMPLE SIZE
A sample of 100 respondents was taken for the study. Sample size refers to the number of
respondents selected from the geographical area to constitute sample
SAMPLING UNIT:
Geographical Area
: Chandigarh.
SAMPLING TECHNIQUE
The researcher had adopted the non-probability convenient sampling technique.
According to Dr Yates, There is no possibility of equal chance for the samples of all parent
population.
DATA COLLECTION
Data collection means the assembling for the purpose of particular investigation of
entirely new data, presumably not already available in published sources. The researcher should
keep in mind two types of data
1) Primary data
2) Secondary data
1) PRIMARY DATA
The primary data are those, which collected fresh for the first time and this to be original
in character. The primary data collected from the respondents through questionnaire.
2) SECONDARY DATA
The researcher collected the secondary data from Journals, Articles, Books, Websites, etc.
PERIOD OF THE STUDY
The period of the study was about 4 months.
TOOLS FOR ANALYSIS
The statistical tools used in this study are simple Percentage of respondents analysis,
Likert scale analysis.
Likert scaling is a bipolar scaling method, measuring either positive or negative response to a
statement. Sometimes a four-point scale is used; this is a "forced choice" method since the
middle option of "Neither agree nor disagree" is not available.
The following are the limitations of the study. They are as follows;
1. The study is restricted to the chandigarh only.
2. Time and cost constraints are the other important factors.
3. Chances of personal bias while responding to the questionnaire especially for the
data such as family income, educational qualification, etc.
No of respondents
Percentage
of
respondents
21-30 years
31-40 years
41-50 years
Above51 years
Total
29
44
24
3
100
29
44
24
3
100
INTERPRETATION:
The above table indicates that, 29 percent of the respondents belong to the age group of
21-30 years, 44 percent of the respondents belongs to the age group of 31-40 years, 24 percent of
the respondents belongs to the age group of 41-50 years and 3 percent of the respondents belongs
to the age group of above 51 years of age.
MARITAL STATUS OF THE RESPONDENTS
Marital status
No of respondents
Percentage of respondents
Single
23
23
Married
67
67
Widow
Divorce/Separated
Total
100
100
INTERPRETATION:
The above table indicates that, 23 percent of the respondents are unmarried, 67 percent of
the respondents are married, 1 percent of the respondents are widow and 9 percent of the
respondents are divorce/separated.
EDUCATIONAL QUALIFICATION
Age
No of Respondents
Percentage of
respondents
SSLC
24
24
HSC
11
11
UG DEGREE
57
57
PG DEGREE
Total
100
100
INTERPRETATION:
The above table indicates that, 29 percent of the respondents belong to the age group of
21-30 years, 44 percent of the respondents belongs to the age group of 31-40 years, 24 percent of
the respondents belongs to the age group of 41-50 years and 3 percent of the respondents belongs
to the age group of above 51 year
Years
Before 1996
1997-2000
2001-2004
2005-2008
Above 2009
Total
No. of Organizations
6
7
33
42
12
100
Percentage
of
respondents
6
7
33
42
12
100
INTERPRETATION:
The above table indicates that, 6 percent of the women entrepreneurs started their
business organizations before 1996, 7 percent of the business organizations were started between
1997-2000, 33 percent of the business organizations were started between 2001-2004, 42 percent
of the business organizations were started between 2005-2008 and 12 percent of the business
organizations were started after 2009.
YEARS OF EXPERIANCE OF THE RESPONDENTS
Years
No of respondents
Percentage
of
respondents
Upto 1 year
2-5 years
48
48
6-8 years
31
31
9-12 years
Above 12 years
12
12
Total
100
100
INTERPRETATION:
The above table indicates that, 1 percent of the respondents having the experience of
below 1 year, 48 percent of the respondents experience of 2-5 years, 31 percent of the
respondents having the experience of 6-8 years, 8 percent of the respondents are having the
experience of 9-12 years and 12 percent of the respondents are having above 12 years of
experience.
TYPE OF FAMILY
Family Type
No
of Percentage
of
respondents
respondents
Nuclear
71
71
Joint Family
29
29
Total
100
100
INTERPRETATION:
The above table indicates that 71 percent of the respondents are from nuclear family and
29 percent of the respondents from joint family.
Religion
No of Respondents
Percentage
of
respondents
Hindu
88
88
Muslim
Christian
Others
Total
100
100
INTREPRETATION:
The above table indicates that, 88 percent of the respondents belong to Hindu,
5 percent of the respondents belong to Muslim, 5 percent of the respondents belongs to Christian
and 2 percent of the respondents belongs to the other religion.
CASTE
Caste
No of Respondents
Percentage
of
respondents
BC
20
20
MBC
54
54
SC/ST
14
14
FC
OTHERS
Total
100
100
INTREPRETATION:
The above table indicates that, 20 percent of the respondents belong to BC, 54 percent of the
respondents belong to MBC, 14 percent of the respondents belong to SC/ST, 4 percent of the
respondents belong to the FC, and 8 percent of the respondents belong to other caste.
Of
No of Respondents
Dependent
Percentage
of
respondents
35
35
57
57
Total
100
100
Source:
INTERPRETATION:
The above table shoes that, 2 percent of the respondent family has only 1 dependent, 35
percent of the respondent family has 2 dependents, 57 percent of the respondent family has 3
dependents and 6 percent of the respondent family has 4 dependents in their family.
NO OF DEPENDENTS ABOVE 58 YEARS
No Of Dependent
No
of Percentage of
above 58 Years
respondents
respondents
20
62.5
12
37.5
Total
100
100.0
INTERPRETATION:
The above table shoes that, 62.5 percent of the respondent family has only 1dependent
above 58 years of age and 37.5 percent of the respondent family has 2 dependents in their family
with above 58 years of age.
NO OF DEPENDENTS WITH BELOW 18 YEARSOF AGE
No Of Dependent
No
of Percentage
Below 18 Years
Respondents
respondents
37
69.8
16
30.2
Total
100
100
INTERPRETATION:
of
The above table shoes that, 69.8 percent of the respondent family has only 1dependent
below 18 years of age and 30.2 percent of the respondent family has 2 dependents in their family
with above 1s8 years of age.
MONTHLY INCOME OF THE RESPONDENTS
Monthly Income
No of Respondents
Percentage
of
respondents
Below 6000
22
22
6001-12000
41
41
12001-18000
28
28
18001-24000
Above 24001
Total
100
100
INTERPRETATION:
The above table indicates that, 22 percent of the respondent having the monthly income
of below 6000, 41 percent of the respondent having the monthly income between 6001-12000,
28 percent of the respondent having the monthly income between 12001-18000, 5 percent of
the respondent having the monthly income between 18001-24000, and 4 percent of the
respondent having the monthly income of above 24001.
FAMILY INCOME
Family Income
No of Respondents Percentage
of
respondents
Below 15000
15001-25000
39
39
25001-35000
28
28
35001-45000
18
18
Above 45001
Total
100
100
INTERPRETATION:
The above table indicates that, 8 percent of the respondent having the family income of
below 15000, 39 percent of the respondent having the family income between 15001-25000, 28
percent of the respondent having the family income between 25001-35000, 18 percent of the
respondent having the family income between 35001-45000, and 7 percent of the respondent
having the family income of above 45001
5.2 SUGGESTIONS
(1) The women an entrepreneur have felt necessity of, proper sheds and plots", financial
subsidies and "availability of raw materials and adequate and proper transport facilities etc. It is
assumed that these factors are needed to be considered mostly by the government and funding
agencies for various purposes.
(2) There are many problems in relation to guidance as stated by the women entrepreneurs. The
concentration of marketing problems and production problems were found to be of serious
nature, which may also be rectified by using the parameters associated to this study.
(3) Women entrepreneurs have also communicated several financial problems in relation to
price-fluctuations, non-availability of loan and funds and their release in time. Attention of the
government as well as the voluntary organizations should be drawn in rectifying these problems
by making liberal assistance and gearing up the various facilities for enhancement of the status of
enterprises.
(4) Finally on the basis of the study, several problems were faced with government assistance,
which involves proper policy to help small entrepreneurs, red-tapism, non availability of
guidance and advisory service in time, etc.
(5) Obviously, these factors need to be considered in re-framing and re-organizing
Entrepreneurial Development Programmes (EDPs) in the country, which will not only benefit the
entrepreneurs but will be in the largest interest of the region and country, in achieving higher
productivity and prosperity.
The women should learn to analyze the different and small factors in business field like
how to get raw materials of good quality at a cheap rate, how to negotiate and what are the
discount facilities available. They should not allow anybody to cheat them in anyway, for being
women. The women should not take emotional feelings in business. They should prove that they
possess high management skills and courage, ready to take risk and ability to solve problems.
The women entrepreneurs may have to leave the family and make business tours. They
may have to travel alone or with others, stay in a new place. The family should not put any
restriction and help them to look after the family in their absence. The women should not lose
hope if they face failure, in spite of taking many efforts. They should not give up even if the loss
is more. They should try to come up successfully again.
5.3 CONCLUSION
This research work is a rewarding exercise to the researcher to gain more knowledge on
the role of women entrepreneurs. It is concluded that most of the women entrepreneurs are facing
the constraints in aspects of financial, marketing, production, health, work place facility
problems and work family conflicts. All most all the women entrepreneurs are irrespective of
their education ,age, marital status, caste, religion, type of organizations, ownership type,
experience, amount of capital investment in their business.
The major problems faced by women entrepreneurs are
Financial Problems: Finance is a most important aspect of any business. Non-availability of
long-term finance, regular and frequent need of working capital and long procedure to avail
financial help were found to be the financial problems faced by respondents based on the
multiple responses given by them Non availability of long-term finance was found to be a
problem faced by women entrepreneurs.
Marketing Problems: During the process of marketing of products women entrepreneurs faced
certain problems viz. poor location of shop, lack of transport facility and tough competition from
larger and established units. There was a significant difference in the problems faced by
entrepreneurs. Difficulty in affording own vehicle was a major factor causing marketing
problem.
Production Problems: Production problems faced by maximum respondents were non
availability of raw material. Non-availability of raw material was one of the reasons to the slow
growth of women entrepreneurs. Other production problems were non-availability of machine or
equipment, lack of training facility and non availability of labour. Major causable factors leading
to production problems were high cost of required machine or equipment.
Health Problems: Major health problems faced by women entrepreneurs were tension,
backache, eyestrain fatigue and headache by most of the respondents respectively. Women
respondents faced the problem of feeling fatigued after returning home. Causable factors were
lack of rest and sleep and heavy schedule.
Work Place Problems: The work place facility problems faced were viz. inadequate work place
for water, less entrance for natural light and improper space for work. Women entrepreneurs
faced the problem of lack of proper places. Work place problems were faced by maximum
respondents. Causable factors were water shortage, less entrance for natural light and lack of
sufficient area for business.
Major problems faced by women entrepreneurs were poor location of unit, tough
competition from larger and established units because in all the enterprises work was done
manually so it was very tough to compete with those enterprises in which electrical equipments
and big machineries were used. Other problems were lack of transport facility, lack of time for
household work, non-availability of raw material, heavy schedule and lack of time for rest and
sleep leading to mental tension and fatigue. The factors causable to these problems were
difficulty in affording own vehicle, product not being popular, heavy schedule of work and long
job hours.
For effective sustainable development and technology transfer for women entrepreneurs
proper training based on scientific inputs, Suitable product ideas, product identification, market
survey, project formulation and necessary approvals from the government at the right time with
less legal formalities, soft recovery rules are of utmost importance.
Finance should be made available to women entrepreneurs at a reduced rate of interest.
Collateral security should be done away with in the case of women applicant of small-scale
industry. Margin money for women entrepreneurs should not be more than ten percent. The
procedures and formalities of bank should be simplified and the required documents should be
minimized. Moreover all the documents shall be in the regional language.
At the district level, a separate womens organization can be formed so as to help women
entrepreneurs in fulfilling their requirements of financial assistance, marketing aid, obtaining
subsides, concessions, technical know-how, raw material assistance, conduct of market surveys
to asses the feasibility counseling, follow up guidance etc..
The women are expected to spend more time for the family and more responsibilities are
thrust on them so that they cannot even think of doing any business. The family members should
understand them and give way for continuing their efforts for becoming and being a woman
entrepreneur. The family members may hesitate to invest money in business started by woman or
permit to avail bank loan. Sometimes, all the property may be in the name of male persons and
they may not be ready to put security for availing a bank loan. Woman should find a solution for
the opposition in the family for doing a business and try to get full moral and financial support
from them. The women should not be treated as supplementary income providers.
BIBILIOGRAPHY
BOOKS REFERRED
Anil Agarwal (1984), "Environmental Change and Women in India," Samayasakthi, Vol.
1, 1984, p. 27.
Pestonje DM and Udai Pareek (Eds) (1997). Studies in organizational stress and
coping. Jaipur, Rawat publication.
Dhameja SK, Bhatia BS, Saini JS (2002). Problems and constraints of women
entrepreneurship, in D.D. Sharma and S.K. Dhameja (eds.). Women and Rural
Entrepreneurship, Chandigarh: Abhishek Publications).
Kishor N. Choudhary and Dr. Arvind P.Rayalwar(2011)Variorum Multi- Disciplinary eResearch Journal Vol.-01, Issue-III, February 2011.
Sinclair, M.T. (1991), Women, Work and Skill: Economic Theories and Feminist
Perspectives.
APPENDIX
QUESTIONNAIRE
( ) Single ( ) Married
( ) Widow
( ) Divorce/Separated
D) Education:
E) Year of Establishment:
F) Years of Experience:
G) Type of the Family: ( ) Nuclear
( ) Joint Family
H) Religion:
( ) Hindu
I) Caste:
J) Family Background:
( ) Muslim
( ) Christian
( ) Others
S.No
Name
Relation
Sex
Age
Ship
(Years)
Education
Completed Doing
Occu-
Monthly
Pation
Income
(Rs)
Factors
Death Of Bread Winner
Improve
Living
Others(Specify)
In
Inadequacy
Rank
Standard
Of
2) Pull Factors
Code
1
Factors
Rank
Womens Desire To Evaluate
Their Talent
Need
And
Perception
Womens
Of
Liberation,
Equity,Etc
4
To
Gain
Recognition,
Get
Independence
Others (Specify)
Economic
DA-Disagree
SDA-Strongly Disagree
S.No
I
II
Factors
SA
AVG
DA
SDA
Tough
Competition
SA
From
Larger
Established Units
3
II
Factors
And
AVG
DA
SDA
SA
AVG
Training Facility
3
Repairing Facility
4
Non Availability Of Labour
5
Non Availability Of Shop/Place
6
Workers Shirk Work
7
Factors
II
High
Cost
Equipment
Of
Required
Machine
Or
Overcrowded Area
2
Non Availability Of Persons For Machine
3
Repair
DA
SDA
S.No
I
Back Ache
Eye-Strain
Tension
Fatigue
Problems Of Joints
Respiratory Problems
Head Ache
Body Ache
Blood Pressure
10
Gastric Trouble
II
Factors
Heavy Schedule
SA
AVG
DA
SDA
8. Work Place Facility Problems And Causative Factors Faced By Women Entrepreneurs:
S.No
SA
AVG
DA
SDA
Problems
Space
Natural Light
Artificial Light
Ventilation
Water
II
Factors
Air Pollution
Water Storage
Dual Responsibility
3
s
II
Factors
High Responsibility
SA
AVG
DA
SDA