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46th ISTE Annual National Convention & National Conference 2017 International Journal of Advance Research and Innovation (ISSN 2347 – 3258) Women Entrepreneurship in INDIA: Opportunities & Challenges Gurinder Singh Assistant Professor Gulzar School of Management, GGI, Ludhiana, Punjab-141401 (INDIA) [email protected] Abstract: - Business visionaries assume a key part in any economy. These are the general population who have what it takes and activity important to take great new thoughts to market and settle on the correct choices to make the thought gainful. The reward for the dangers taken is the potential monetary benefits the business visionary could gain. Actually, a "ladies business visionary" is any ladies who sorts out and deals with any venture, ordinarily with impressive activity and hazard. In any case, frequently the expression "ladies possessed business" is utilized in respect to government contracting. In this case, the business visionary (a lady) claims (over half), controls and runs the undertaking. Information has been gathered from number of articles, books, periodicals and sites. The present review has been an endeavor to produce mindfulness and to comprehend meaning, method of reasoning for enhancement. A broad writing survey is done on ladies business person. Toward the end some real issues confronted by Indian ladies business visionaries, examples of overcoming adversity of Indian ladies business visionaries, variables affecting ladies enterprise and steps taken by the legislature for upliftment of Indian ladies business visionaries. Keywords: Meaning of women entrepreneur, rationale for diversification, problems faced by Indian women entrepreneurs, success stories of Indian women entrepreneurs, factors influencing women entrepreneurship, steps taken by the Indian government. into administrations industry identifying with cordiality, providing food, instructive administrations, discussion or advertising, magnificence facilities, and so on. INTRODUCTION Women entrepreneurs visionaries might be characterized as a "women or a gathering of women who start, sort out and maintain a business endeavor". Legislature of India has characterized women business people in light of women investment in value and work of a business endeavor. In like manner, a women run an undertaking is characterized as "an endeavor possessed and controlled by a women having a base budgetary enthusiasm of 51% of the capital and giving no less than 51%of the business created in the venture to women". Women business visionary constitute 10 % of the quantity of the quantity of business visionary in the nation. This has been a critical development in independent work of women with women now beginning new pursuits at three circumstances the rate of men. They constitute half of the number of inhabitants in our nation with a lower proficiency rate than men. This measurable reality demonstrates that for the financial development of the country, women ought not be urged to make their share of monetary commitment towards the nation. one method for accomplishing is by making women turn out and get to be business people. In the customary society, they were kept to the four dividers, assuming family parts, yet in the present day society, they are turning out to partake in assorted types od exercises. Regularly, women business enterprise is found in the augmentation of their kitchen exercises, chiefly in get ready economically the 3‟P‟s specifically, Pickles, Papads and Powder. Few of them wander Women enter enterprise because of financial variables which pushed them to be all alone and urge them to accomplish something freely. Women like to work from their own particular work home, trouble in landing appropriate positions and yearning for social acknowledgment rouse them towards independent work. We see a great deal of women experts in building, drug, law and so forth. They are likewise setting up healing facilities, preparing focuses, and so on. “An enterprise owned and controlled by a women having a minimum financial interest of 51 per cent of the capital and giving at least 51 per cent of the employment generated by the enterprise to women.” — Government of India “A woman entrepreneur can be defined as a confident, innovative and creative woman capable of achieving self economic independence individually or in collaboration, generates employment opportunities for others through initiating, establishing and running the enterprise by keeping pace with her personal, family and social life.” —Kamal Singh RATIONALE FOR DIVERSIFICATION Women business person are hazard bearers, sorts out and trailblazers as well. Indian women, who are viewed as better 1 Gulzar Group of Institutes, Ludhiana, Punjab-141401 (INDIA) 46th ISTE Annual National Convention & National Conference 2017 International Journal of Advance Research and Innovation (ISSN 2347 – 3258) 50% of the general public , are not equivalent accomplices in the public eye. Perceptual factors impact the entrepreneurial inclination of women and record for a great part of the sexual orientation contrasts in entrepreneurial styles. The low education rate ( 40% ), low cooperation rate ( 10 %) of women as looks at to 60%, 52%, 18% individually of their male partners demonstrate their disadvantageous position in the general public. The aftereffects of the review led by IIT, Delhi are: financial support of business partners, experiences & well developed professional network. Women network report on Women in Business & in Decision Making focus on women entrepreneurs, about their problems in starting & running the business, family back ground, education, size of business unit. Some interesting facts which came out from this report are less educated women entrepreneurs are engaged in micro enterprises, have husband & children but have no help at home. Most of the women establish enterprises before the age of 35, after gaining some experience as an employee somewhere else. The motivational factors were desire for control & freedom to take their own decision as well as earning handsome amount of money. Dedication of more than 48 hours in a week with the family support to their enterprises gave them a sense of self confidence. However, to maintain balance between family & work life is a major challenge before women entrepreneurs especially for those who have children & working husband. Darrene, Harpel and Mayer, (2008) performed a study on finding the relationship between elements of human capital and self employment among women. The study showed that self employed women differ on most human capital variable as compared to the salary and wage earning women. The study also revealed the fact that the education attainment level is faster for self employed women than that for other working women. The percentage of occupancy of managerial job is found to be comparatively higher in case of self employed women as compared to other working women. This study also shed light on similarity and dissimilarity of situations for self employed men and self employed women. Self employed men and women differ little in education, experience and preparedness. However, the main difference lies in occupational and industry experience. The percentage of population holding management occupation is lower for self employed women as compared to self employed men. Also the participation levels of self employed women are found to be less than of self employed men in industries like communication, transportation, wholesale trade, manufacturing and construction. The analysis is based on data from the Current Population Survey (CPS) Annual Social and Economic Supplement (ASEC) from 1994 to 2006. Singh, 2008, identifies the reasons & influencing factors behind entry of women in entrepreneurship. He explained the characteristics of their businesses in Indian context and also obstacles & challenges. He mentioned the obstacles in the growth of women entrepreneurship are mainly lack of interaction with successful entrepreneurs, social unacceptance as women entrepreneurs, family responsibility, gender discrimination, missing network, low priority given by bankers to provide loan to women entrepreneurs. He suggested the remedial measures like promoting micro enterprises, unlocking institutional frame work, projecting & pulling to grow & support the winners etc. The study advocates for ensuring synergy among women related ministry, economic ministry & social & welfare development ministry of the 1)Women possess 33% of independent company in USA and Canada and the number is likely half in the 21st century. 2) Women represent 40% of the aggregate work compel in Asian nations. 3) Women dwarf men by no less than two lines in China. 3) The rate of women business visionaries has expanded from 7.69% in 1992-93 to 10% in year 2000-01, yet the number still is essentially low when contrasted with general work investment rate i.e. 25.7%. 4) The quantity of women in specialized courses, proficient courses and in designing stream has demonstrated a colossal ascent. Polytechnics and IITs have just 15% young women out of aggregate entrolled understudies and less join and set their own endeavors. REVIEW OF LITERATURE Bowen & Hisrich, (1986), compared & evaluated various research studies done on entrepreneurship including women entrepreneurship. It summaries various studies in this way that female entrepreneurs are relatively well educated in general but perhaps not in management skills, high in internal locus of control, more masculine, or instrumental than other women in their values likely to have had entrepreneurial fathers, relatively likely to have frts born or only children, unlikely to start business in traditionally male dominated industries & experiencing a need of additional managerial training. Cohoon, Wadhwa & Mitchell, (2010), present a detailed exploration of men & women entrepreneur‟s motivations, background and experiences. The study is based on the data collected from successful women entrepreneurs. Out of them 59% had founded two or more companies. The study identifies top five financial & psychological factors motivating women to become entrepreneurs. These are desire to build the wealth, the wish to capitalize own business ideas they had, the appeal of startup culture, a long standing desire to own their own company and working with someone else did not appeal them. The challenges are more related with entrepreneurship rather than gender. However, the study concluded with the requirement of further investigation like why women are so much concerned about protecting intellectual capital than their counterpart. Mentoring is very important to women, which provides encouragement & 2 Gulzar Group of Institutes, Ludhiana, Punjab-141401 (INDIA) 46th ISTE Annual National Convention & National Conference 2017 International Journal of Advance Research and Innovation (ISSN 2347 – 3258) Government of India. Tambunan, (2009), made a study on recent developments of women entrepreneurs in Asian developing countries. The study focused mainly on women entrepreneurs in small and medium enterprises based on data analysis and review of recent key literature. This study found that in Asian developing countries SMEs are gaining overwhelming importance; more than 95% of all firms in all sectors on average per country. The study also depicted the fact that representation of women entrepreneurs in this region is relatively low due to factors like low level of education, lack of capital and cultural or religious constraints. However, the study revealed that most of the women entrepreneurs in SMEs are from the category of forced entrepreneurs seeking for better family incomes. treated equivalent to men. Their entrance to business requires the endorsement of the leader of the family. Business has customarily been viewed as a male safeguard. Every one of these puts a break in the development of women business visionaries. 3 Absence of training: Women in India are lingering a long ways behind in the field of instruction. The greater part of the women (around sixty for each penny of aggregate women) are uneducated. The individuals who are taught are given either less or deficient training than their male partner incompletely because of early marriage, halfway because of child's advanced education and mostly because of destitution. Because of absence of legitimate instruction, women business visionaries stay in dull about the advancement of new innovation, new techniques for creation, advertising and other administrative bolster which will urge them to prosper. Objectives of the Study The study is based on secondary data collected from the published reports of RBI, Census Surveys, SSI Reports, newspapers, journals, websites, Report of MSME etc. The study intended to throw light on the following issues: To study the present position of Indian Women Entrepreneurs. To study the motivating factors responsible for encouraging women to become entrepreneurs. To critically examine the problems faced by women entrepreneurs. To study the government initiatives & schemes to encourage women entrepreneurs. 4 Social hindrances: The conventions and traditions won in Indian social orders towards women here and there remain as a deterrent before them to develop and thrive. Positions and religions rule with each other and blocks women business people as well. In rustic territories, they confront more social obstructions. They are dependably observed with suspicious eyes. 5 Lack of crude materials: The shortage of crude materials, here and there nor, accessibility of appropriate and satisfactory crude materials sounds the demise ring of the ventures keep running by women business people. Women business visionaries truly confront an extreme assignment in getting the required crude material and other essential contributions for the endeavors when the costs are high. METHODOLOGY The prepared paper is a descriptive study in nature. The secondary data and information have been analyzed for preparing the paper extensively. The secondary information have been collected from different scholars‟ and researchers‟ published books, articles published in different journals, periodicals, conference paper, working paper and websites. 6 Issue of fund: Women business people stiffer a considerable measure in raising and meeting the money related requirements of the business, Brokers, lenders and monetary foundations are not approaching to give budgetary help to women borrowers on the ground of their less credit value and more odds of business disappointment. They likewise confront money related issue because of blockage of assets in crude materials, work-in-advance completed products and nonreceipt of installment from clients in time. PROBLEMS FACED BY INDIAN WOMEN ENTREPRENEURS: Besides the above basic problems the other problems faced by women entrepreneurs are as follows: 1 Family ties: Women in India are candidly appended to their families. They should take care of all the local work, to take care of the youngsters and different individuals from the family. They are over weight with family obligations like additional consideration regarding spouse, kids and in laws which take away a bunches of their time and vitality. In such circumstance, it will be extremely hard to think and run the venture effectively. 7 Intense rivalries: Generally women business visionaries utilize low innovation during the time spent generation. In a market where the opposition is too high, they need to contend energetically to make due in the market against the composed division and their male partner who have incomprehensible experience and ability to embrace propelled innovation in overseeing undertakings 8 High cost of generation: A few variables including wasteful administration add to the high cost of generation which remains as a hindrance before women business visionaries. Women business visionaries confront innovation out of date quality because of non-reception or ease back selection to changing innovation which is a central point of high cost of creation. 2 Male commanded society: Despite the fact that our constitution discusses correspondence between genders, male haughtiness is still the request of the day. Women are not 3 Gulzar Group of Institutes, Ludhiana, Punjab-141401 (INDIA) 46th ISTE Annual National Convention & National Conference 2017 International Journal of Advance Research and Innovation (ISSN 2347 – 3258) 9 Okay bearing limit: Women in India are by nature feeble, timid and mellow. They can't hold up under the sum chance which is fundamental for running an undertaking. Absence of instruction, preparing and money related support from exterior additionally lessen their capacity to tolerate the hazard required in a ventures. FACTORS INFLUENCING WOMEN ENTREPRENEURSHIP 1 PUSH Variables Push elements will be components of need, for example, insufficicient family salary, disappointment with compensations work, trouble in looking for some kind of employment and a requirement for adaptable work routine in view of family obligations. These variables may have more significance for women than for men. 10 Restricted portability:Women portability in India is profoundly restricted and has turned into an issue because of customary qualities and failure to drive vehicles. Moving alone and requesting a space to remain out in the night for business reasons for existing are still looked upon with suspicious eyes. Now and then, more youthful women feel uncomfortable in managing men who demonstrate additional enthusiasm for them than business related angles. 2 PULL Variables Figures that work as entrepreneurial drive components identify with autonomy, self-satisfaction, entrepreneurial drive and yearning for riches, influence and societal position, co-operation and support of relatives and a solid system of contacts. The most noticeable variable is self accomplishment communicated as far as test which helps women to begin, maintain their own business and transform it into a productive wander. At the point when a solid requirement for accomplishment couldn't be satisfied through a salaried position or when there was a yearning to change an apparent open door into an attractive thought, then these components work for a man to detail their own wander. 11 Absence of entrepreneurial fitness: Absence of entrepreneurial fitness involves sympathy toward women business visionaries. They have no entrepreneurial bowed of psyche. Indeed, even in the wake of going to different preparing programs on business visionary ship women business people neglect to hold over the dangers and inconveniences that may come up in an authoritative working. SUCCESSFUL LEADING BUSINESS WOMEN IN INDIA The 21st leading business women in India:Akhila srinivasan, Managing Director , Shriram Investments ltd. Chanda Kocchar, Executive Director, ICICI Bank Ekta Kapoor, Creative Director, balaji Telefilms Ltd. Jyoti Naik, President, Lijjat Papad. Kiran Mazumdar Shaw, Chairman & Managing director, Biocon Ltd. Lalita D.Gupte, JMD , ICICI Bank. Naina Lal Kidwar, Deputy CEO , HBSE. Preetha Reddy , Managing Director, Apollo hospitals. Priya Paul, Chairman, Apeejay Park Hotels. Rajshree Pathy, Chairman, Rajshree Sugars & Chemicals ltd. Ranjana Kumar, Chairman, NABA 12 Restricted administrative capacity: Administration has turned into a specific employment which just proficient chiefs perform. Women business visionaries are not effective in administrative capacities like arranging, sorting out, controlling, organizing, staffing, coordinating, persuading and so on of an endeavor. In this way, less and constrained administrative capacity of women has turned into an issue for them to run the venture effectively. 13 Lawful conventions: Satisfying the lawful conventions required for running a venture turns into a change errand with respect to a women business visionary in light of the predominance of degenerate practices in government workplaces and procedural deferrals for different licenses, power, water and shed portions. In such circumstances women business visionaries think that its difficult to focus on the smooth working of the undertaking. 14 Misuse by center men: Since women can't circled for promoting, conveyance and cash accumulation, they need to rely on upon center men for the above exercises. Center men tend to adventure them in the appearance of making a difference. They include their own particular overall revenue which result in less deals and lesser benefit. STEPS TAKEN BY THE INDIAN GOVERNMENT The development and advancement of ladies business people required to be quickened on the grounds that entrepreneurial improvement is unrealistic without the support of ladies. 15 Absence of self-assurance: Women business visionaries due to their intrinsic nature, absence of self-assurance which is basically a propelling element in running an undertaking effectively. They need to endeavor hard to strike a harmony between dealing with a family and dealing with an undertaking. In some cases she needs to relinquish her entrepreneurial inclination with a specific end goal to strike a harmony between the two. Consequently, an amiable domain is should have been made to empower ladies to take an interest effectively in the entrepreneurial exercises. There is a need of Government, non-Government, limited time and administrative offices to approach and assume the 4 Gulzar Group of Institutes, Ludhiana, Punjab-141401 (INDIA) 46th ISTE Annual National Convention & National Conference 2017 International Journal of Advance Research and Innovation (ISSN 2347 – 3258) steady part in advancing the ladies business visionary in India. D) Marketing assistance: It was suggested to provide the required assistance for marketing the products produced by women entrepreneurs. The Legislature of India has likewise detailed different preparing and advancement cum business eras programs for the ladies to begin their endeavors. These projects are as per the following : E) Decision-making process: It was also suggested to involve the women in decisionmaking process 1. The First Five-Year Plan (1951-56) envisaged a number of welfare measures for women. Establishment of the Central Social Welfare Board, organization of MahilaMandals and the Community Development Programmes were a few steps in this direction. 2. In the second Five-Year Plan (1956-61), the empowerment of women was closely linked with the overall approach of intensive agricultural development programmes. 3. The Third and Fourth Five-Year Plans (1961-66 and 1969-74) supported female education as a major welfare measure. 4. The Fifth Five-Year Plan (1974-79) emphasized training of women, who were in need of income and protection. This plan coincided with International Women’s Decade and the submission of Report of the Committee on the Status of Women in India. In1976, Women’s welfare and Development Bureau was set up under the Ministry of Social Welfare. 5. The Sixth Five-Year Plan (1980-85) saw a definite shift from welfare to development. It recognized women’s lack of access to resources as a critical factor restricting their growth. Steps taken by Government during Eight Five-Year Plan: The Administration of India conceived extraordinary projects to builds work and pay producing exercises for ladies in country ranges. The accompanying arrangements are eaten amid the Eight-Five Year Arrange: A) Prime Minister Rojgar Yojana and EDPs were introduced to develop entrepreneurial qualities among rural women. B) „Women in agriculture‟ scheme was introduced to train women farmers having small and marginal holdings in agriculture and allied activities. C) To generate more employment opportunities for women KVIC took special measures in remote areas. D) Women co-operatives schemes were formed to help women in agro-based industries like dairy farming, poultry, animal husbandry, horticulture etc. with full financial support from the Government. E) Several other schemes like integrated Rural Development Programs (IRDP), Training of Rural youth for Self employment (TRYSEM) etc. were started to alleviated poverty.30-40% reservation is provided to women under these schemes. Steps taken in Seventh Five-Year Plan: In the seventh five-year plan, a special chapter on the “Integration of women in development” was introduced by Government with following suggestion: Steps taken by Government during Ninth Five-Year Plan: A) Specific target group: It was suggested to treat women as a specific target groups in all major development programs of the country. B) Arranging training facilities: It is also suggested in the chapter to devise and diversify vocational training facilities for women to suit their changing needs and skills. The Ninth Five-Year Arrange (1997-2002) embraced a technique of Ladies' Segment Arrange, under which at least 30 percent of assets/advantages were reserved for ladies related areas Financial improvement and development is not accomplished completely without the advancement of ladies business people. The Administration of India has presented the accompanying plans for advancing ladies business on the grounds that the eventual fate of little scale enterprises relies on the ladies business visionaries: C) Developing new equipments: Efforts should be made to increase their efficiency and productivity through appropriate technologies, equipments and practices. (a) Trade Related Entrepreneurship Assistance and Development (TREAD) scheme was lunched by Ministry of Small Industries to develop women entrepreneurs in rural, semi-urban and urban 5 Gulzar Group of Institutes, Ludhiana, Punjab-141401 (INDIA) 46th ISTE Annual National Convention & National Conference 2017 International Journal of Advance Research and Innovation (ISSN 2347 – 3258) areas by developing entrepreneurial qualities. SIDBI has developed this fund for the entrepreneurial development of women especially in rural areas. Under Mahila Vikas Nidhi grants loan to women are given to start their venture in the field like spinning, weaving, knitting, embroidery products, block printing, handlooms handicrafts, bamboo products etc. (b) Women Comkp0onent Plant, a special strategy adop0ted by Government to provide assistance to women entrepreneurs. (c) Swarna Jayanti Gram Swarozgar Yojana and Swaran Jayanti Sekhari Rozgar Yojana were introduced by government to provide reservations for women and encouraging them to start their ventures. (d) New schemes named Women Development Corporations were introduced by government to help women entrepreneurs in arranging credit and marketing facilities. (e) State Industrial and Development Bank of India (SIDBI) has introduced following schemes to assist the women entrepreneurs. These schemes are: 1. Mahila Udyam Nidhi 7 Rashtriya Mahila Kosh: In 1993, Rashtriya Mahila Kosh was set up to grant micro credit to pore women at reasonable rates of interest with very low transaction costs and simple procedures. The Tenth Five-Year Plan (2002-07) aims at empowering women through translating the recently adopted National Policy for Empowerment of Women (2001) into action and ensuring Survival, Protection and Development of women and children through rights based approach. During (2007-12) Govt. ensured that at least 33 percent of the direct and indirect beneficiaries of all government schemes are women and girl children. A CSS training programme, STEP provides training for skill up gradation to poor and asset-less women in traditional sectors of agriculture, animal husbandry, dairy, fisheries ,handlooms, handicraft, Khadi and village industries, sericulture, social forestry, and wasteland development. In framing policies/schemes for the Twelfth Five Year Plan (2012-17) the special needs of women must be taken due care of. The MahilaKisanSashaktikaranPariyojana (MKSP) which is a sub-component of NRLM was recently launched to meet the specific needs of women farmers, and help them achieve social, economic and technical empowerment 2. Micro Cordite Scheme for Women 3. Mahila Vikas Nidhi 4. Women Entrepreneurial Development Programmes 5. Marketing Development Fund for Women. 4 Consortium of Women entrepreneurs of India provides a platform to assist the women entrepreneurs to develop new, creative and innovative techniques of production, finance and marketing. There are different bodies such as NGOs, voluntary organizations, Self-help groups, institutions and individual enterprises from rural and urban areas which collectively help the women entrepreneurs in their activities. (i) (ii) 5 Training programmes: The following training schemes especially for the self employment of women are introduced by government: Support for Training and Employment Programme of Women (STEP). INSTITUTIONAL SUPPORT FOR WOMEN ENTREPRENEURS The followings are some of associations or institutions which have played pivotal role for growth and development of women entrepreneurs: 1. MAHILA UDYAM NIDHI , MAHILA VIKASH NIDHI , Micro Credit Scheme by SIDBI ( Small Industries Development Bank of India), Dena Shakti scheme of Dena Bank , Udyogini Scheme of Punjab & Sind Bank are some of the important schemes introduced Development of Women and Children in Rural Areas (DWCRA) Small Industry Service Institutes (SISIs) (iii) (iv) State Financial Corporations (v) National Small Industries Corporations (vi) District Industrial Centres (DIC) 6 Mahila Vikas Nidhi: 6 Gulzar Group of Institutes, Ludhiana, Punjab-141401 (INDIA) 46th ISTE Annual National Convention & National Conference 2017 International Journal of Advance Research and Innovation (ISSN 2347 – 3258) by various Banks. 2. SBI and NABARD are also involved in development and financing of enterprises set up by women entrepreneurs. 3. SIDO (Small Industries Development Organization), CWEI (consortium of women entrepreneurs of India), WIT (Women India Trust) , SEWA (Self Employed Women Association), FIWE (Federation of India Women Entrepreneurs) , Central Social Welfare Board (CSWB), National alliance of young entrepreneurs (NAYE) are some of the organizations which are engaged in providing technical, financial and marketing assistance to women entrepreneurs. Orissa Govt. to give training, loans to WSHG & to market their products. 11. Misson Shakti scheme by Orissa Govt. to support bank,ngos,WSHGs Who work for women entrepreneurs . 12. Support to Training &Employment Programme (STEP) Orissa Govt. for coastal districts to train the women to prepare hygienic dry fish & prawn. Dibyajyoti SHG group -- success story of women in rural Orissa Manasi is the secretary of Dibyajyoti SHG amass. By setting up the brand of MaaPickles and making it an eminent name in Jajpur she has set a seat check in small scale endeavor business. This SHG aggregate has begun as DibyajyotiGrihaUdyog in 2008 with an advance of RS 1, 070,00 from a nationalized bank. The present yearly deals turnover of this unit is Rs 2, 306,67 and furthermore have possessed the capacity to reimburse the bank advance. This has occurred because of reasonable entrepreneurial abilities and activity appeared by 12 individuals from the SHG including ManasiMahanta. ManasiMahanta and her family lived in Kalamatia town. ManasiMahanta , a rustic tribal house spouse was occupied in house tasks throughout the day. Despite the fact that she was educated she was never urged to win freely nor did she ever consider it. Every one of the individuals from this SHG don't have a place with one town. They were furnished with 10 decimal land and Rs 1.5 lakh for development of house by Goodbye Steel authorities. They were likewise paid month to month upkeep remittance of Rs 2,300. The inspiration brought about zenith of 12-part Dibyajyoti SHG. The gathering individuals indicated enthusiasm to begin a private company wander freely. Manasi and lion's share of the individuals attempted to learn current procedures of pickle making. Today Manasi is not just a secretary of this SHG she has likewise turned into an educator in Sri Ganesh SikshaMandir. Other schemes for the development of women entrepreneur are as below….. 1. Schemes of Ministry of MSME Trade related entrepreneurship assistance and development (TREAD) scheme for women Mahila Coir Yojana 2. Schemes of Ministry of Women and Child Development Support to Training and Employment Programme for Women (STEP) Swayam Siddha 4. Kerala Government’s Women Industries Programme 5. Delhi Government’s Stree Shakti Project 6. Schemes of Delhi Commission for Women (Related to Skill development and training) 7. PRIME MINISTER’S EMPLOYMENT GENERATION PROGRAMME (PMEGP) contemplates to provide self employment to unemployed youths by extending financial assistance to start their units. 8. IFCI scheme of interest for women entrepreneurswhose main objective is to provide incentives to women having business women and entrepreneurial skills, for their industrial development. 9. Promotional package for micro & small enterprises ----- MSME has formulated a scheme for women entrepreneurs to encourage Small & Micro manufacturing units owned by women in their efforts to enter overseas markets. 10. MahilaVikashSamabaya Nigam (MVSN) by CONCLUSIONS India is a male charged society and ladies are thought to be financially and furthermore socially dependent on male people. Ladies agents went up against stacks of issues like nonappearance of preparing, social limits, genuine traditions, high cost of creation, male overpowered society, obliged authoritative limit, 7 Gulzar Group of Institutes, Ludhiana, Punjab-141401 (INDIA) 46th ISTE Annual National Convention & National Conference 2017 International Journal of Advance Research and Innovation (ISSN 2347 – 3258) nonattendance of dauntlessness et cetera. Distinctive segments like Draw and Push factors affecting ladies agents. Compelling driving businessmen in India. Government makes distinctive steps for the upliftment of ladies agents in seventh five year plan,8th five year mastermind and in ninth five year orchestrate. Ladies have the potential the potential and affirmation to setup, keep up and manage their own endeavor in an astoundingly ponder way, appropriate support and reassurance from the overall population, family, government can make these ladies business visionary a bit of standard of national ecomomy and they can add to the economy progress of India. e2Issue1/GurendraNathBhardwaj.pdf [8]. A Reflection of the India women in Entrepreneurial World [9].www.iimahd.ernet.in/publications/data/200508-07 indirap.pdf REFERENCES [1]. Bowen, Donald D. & Hirsch Robert D. (1986), The Female Entrepreneur: A career Development Perspective, Academy of Management Review, Vol. 11 no. 2, Page No. 393-407. [2]. Cohoon, J. McGrath, Wadhwa, Vivek & Mitchell Lesa, (2010), The Anatomy of an EntrepreneurAre Successful Women Entrepreneurs Different From Men? Kauffman, The foundation of entrepreneurship. [3]. Women Entrepreneurship Development in India, www.indianmba.com/Faculty_Column/FC1073/f c1073.html [4]. Hackler, Darrene; Harpel, Ellen and Mayer, Heike, (2008), “Human Capital and Women‟s Business Ownership”, Arlington, Office of Advocacy U.S. Small Business Administration, August 2006, VA 22201 [74], No. 323. [5]. Singh, Surinder Pal, (2008), An Insight Into The Emergence Of Women-owned Businesses As An Economic Force In India, presented at Special Conference of the Strategic Management Society, December 1214, 2008, Indian School of Business, Hyderabad [6]. Tambunan, Tulus, (2009), Women entrepreneurship in Asian developing countries: Their development and main constraints, Journal of Development and Agricultural Economics Vol. 1(2), Page No. 027040.the glass ceiling. Thousand Oaks, CA: Sage. [7]. http://www.chimc.in/Volume2.1/Volum 8 Gulzar Group of Institutes, Ludhiana, Punjab-141401 (INDIA)