APPENDICES

i

APPENDIX A-1

Questionnaire for Organized Business

I. Geographical Information & Personal profile

1. Geographical Information:

Village Name Population

Total number of families: Taluk: District

2. Personal profile:

Name of the member: Age (Completed years):

3. Period of association with SHG: ______________Years__________Months

4. Period of association with Shakti dealership:

__________Years________Months

5. Religion: Hindu/Christian/Muslim Caste: OC/BC/MBC/SC/ST

6. Marital status Married Unmarried

7. If married, occupation of the husband or Father’s occupation

Agriculture Farm worker Business Government Employee Private

Others (please specify)…………….

8. Number of members of the family: ____________

9. Number of dependent members of the family: __________

10. Educational status:

Illiterate

Literate

Primary

Middle School

Matriculate

Plus 2

Technically Qualified

Graduation & above

ii

11. Occupational status

Before joining Project Shakti

Unemployed Wage earners Assisting Husband’s Work

Others (please specify)…………….

12. Monthly income of the family (in Rs) __________

13. What type of support you got from the group

Loan Self employment Trading

Creates more awareness about business opportunities No Support

II. Financial Information

14. What is your initial investment?________(Rs. in Thousands)

15. What is the source of your capital?

! Own Funds

! Bank Loans

! Self Help Group loan

! Own funds and bank Loan

! Own funds and Self Help Group loan

! Bank and Self Help Group loan

! Local money lenders

16. How will you meet your working capital requirements?

Reinvest the profit earned

Bank Loans

Self Help Group loan

Bank and Self Help Group loan

Local money lenders

17. What is your average sales per month from Shakti Dealership?

______________(in Rs.)

18. What is your average profit per month from Shakti Dealership?

______________ (in Rs.)

iii

19. Possession of bank account

Before taking up Shakti dealership

After Taking up Shakti dealership

No Bank account

20. Indicate the frequency of regular savings

Sl. No. Frequency of Regular Savings

1 Monthly

2 Weekly

3 Fortnightly

III. Sales & Marketing Information

21. Do you engage male members in your business.? Yes No

a) If yes, State your relationship with male family member

Son Husband Father Father-in-law

Others (state relationship) ____________________

b) If yes, What is the contribution of a male family member to your

business?

Less than 10% 10 to 50% Above 50%

22. To whom you are selling the products?

Customer Retailer Both

23. How do you sell your products?

Door-to-Door only

Direct from home only

Retail outlets only

Door to door and direct from home

Door to door and retail outlets

Direct from home and retail outlets

24. From whom major sales contribution comes from? Customer Retailer

iv

25. What is your mode of sales?

a) For Customers Cash Credit Both

b) For Retailers Cash Credit Both

26. a) Number of villages covered by you. ______________

b) Number of shops covered by you. ______________

27. a) On an average what is the maximum distance covered by you or male

member daily_____ (in KMS)

b) What is your mode of transport

By Walk Own Bicycle Company Bicycle Two Wheeler

Auto/Van

28. a) Do you find any increase in sales? Yes No

b) If yes, What is the increased percentage compared to last year?

Less than 10% 10 to 20% Above 20%

29. What is the frequency of your orders?

Weekly Fortnightly Monthly Based on the requirement of the

product

30. What is your mode of Purchase ?

Cash Credit

31. How long you have to wait for the product supply?

2- 4 days one week More than one week

32. Are you dealing with additional products ( other than HUL products)?

Yes No If yes, what type of product ________________________

a. If you are selling additional product .Is it Through HUL. Yes No

33. What are the support you are receiving from company for facilitating the

product sales

a.________________________________________

b________________________________________

c.________________________________________

d.________________________________________

e.________________________________________

v

34. What type of other support you are getting from the company?

__________________________________________________

35. What is the other support you are expecting from the company?

________________________________________________

I V. Constraints & Problems Faced

State your level of agreement & disagreement with the problems faced in

your business.

Sl

noAttributes

Strongly

agreeAgree

Neither

agree

nor

disagree

DisagreeStrongly

Disagree

1 Other brands are threatfor my single brand

business

2 Difficult to manage for

working capital needs

3 Local shops are thethreats to my business

4 Lead time is high

5 Non availability ofproducts

6 Lack of effectiveness oftraining

7 The Product has nomarket

8 Loans are not sufficient

9 Low profit margin

10 Less support fromfamily

11 Lack of freedom to takedecisions in business

12 Lack of social mobilitybecause of restrictions

in the family

13 Availability of

duplicate products is a

major threat

vi

Sl

noAttributes

Strongly

agreeAgree

Neither

agree

nor

disagree

DisagreeStrongly

Disagree

14 Local brands are athreat to my business

15 Difficult to reach

nearby villages

16 Inadequate supportfrom the company

17 Less support from other

communities

18 Less support within thegroup

19 Less support from other

groups

20 Range of products veryless comparing to local

Shop

21 Difficulty in gettingpayments from

customers

22 Difficulty in getting

payments fromRetailers

V. Where do you place yourself on the ladder before and after joining project

Sakthi on the following dimensions?

(Use the ladder given alongside for each dimension in response before and

after the project put ladder number for each dimension)

Very High " 5

High " 4

Moderate " 3

Low " 2

Very Low " 1

vii

Sl.

NoStatements Before After

A Confidence building

1

2

3

Confidence to talk within the family

Confidence to talk in SHG meeting

Confidence to talk in public

B Self esteem

1

2

3

4

Self image in the family

Self image in community

Self reliance/independence

Feeling of security (Economic/general)

C Decision making pattern

1

2

3

4

Education of children

Family planning

Buying and selling land, property and

household goods

Family and social functions

D Capacity building

1

2

3

4

Ability to take risk

Ability to understand and solve problems

Ability to try new ventures

Ability to accept criticism

E Psychological aspects

1

2

Attitudinal Change

Imbibing Values

3 Personality Development

F Social empowerment

1

2

3

4

Team spirit

Communication skills

Assertiveness

Participation in group activities

viii

VI. Impact of Assessment of Project SuccessState your level of agreement with the following statements

Sl

No.Statements

Strongly

agreeAgree

Neither

agree

nor

disagree

DisagreeStrongly

Disagree

1 I could Manage businessindependently

2 Television advertisementsfacilitates my HUL productsales.

3 I am considered as a pioneerin introducing the latestproducts.

4 I am a well informed person.

5 These days I am not havingdifficulty in sourcing thecash.

6 I assist my family membersthrough my entrepreneurialskills.

7 I need not consult myfamily members for minorpersonal decisions.

8 My husband and familymembers consult me beforethey take importantdecisions.

9 I need not depend on myfamily members for meeting

small personal expenses.

10 I am confident that I canmingle with others andspeak comfortably in public.

11 I am confident of acceptingleadership roles in public

programmes.

12 I am capable of opening abank account and I amaware of banking

Formalities.

13 I reinvest my profits fromShakti dealership for further

development of my business.

14 I have wide opportunities tointeract with others

15 Overall I am satisfied withthe business

ix

APPENDIX A2

Questionnaire for Unorganized Business

1. Geographical Information:

Village Name Population

Total number of families: Taluk: District

2. General profile:

Name of the member: Age (Completed years):

3. Period of association with SHG: ______________Years__________Months

4. Period of association with manufacturing/trading:__________Years________Months

5. Religion: Hindu/Christian/Muslim Caste: OC/BC/MBC/SC/ST

6. Marital status Married Unmarried

7. If married, occupation of the husband or Father’s occupation

Agriculture Farm worker Business Government Employee Private

Others (please specify)…………….

8. Number of members of the family: __________________

9. Number of dependent members of the family: __________

10. Educational status:

Illiterate

Literate

Primary

Middle School

Matriculate

Plus 2

Technically Qualified

Graduation & above

11. Occupational status

Before starting a business

Unemployed Wage earners Assisting Husband’s Work

Others (please specify)…………….

12. Family monthly Income_____________ (in Rs.)

x

13. What type of support you got from the group

Loan Self employment Trading

Creates more awareness about business opportunities No Support

14. What is your initial investment? ________ (Rs in Thousands)

15. What is the source of your capital?

! Own Funds

! Bank Loans

! Self Help Group loan

! Own Funds and Bank Loans

! Own Funds and Self Help Group loan

! Bank and Self Help Group loan

! Local money lenders

16. How will you meet your working capital requirements?

Reinvest the profit earned

Bank Loans

Self Help group loan

Bank and Self Help Group loan

Local money lenders

17. What is your average sales per month from your business?

______________ (in Rs.)

18. What is your average profit per month from your business ?

______________ (in Rs.)

19. Possession of bank account

After joining SHG

Before joining SHG

No Bank account

20. Indicate the frequency of regular savings

Sl. No. Frequency of Regular Savings

1 Monthly

2 Weekly

3 Fortnightly

xi

21. Are you getting family support for your business?

Yes No

a) If Yes, state the relationship

Son Husband Mother/Mother-in law Others

b) Mention the contribution of supporting member. Less than 10% 10 to 50% Above 50%

22. To whom you are selling the products?

Customer Retailer Both

23. How do you sell your products?

Door-to-Door only

Retail outlets only

From shops and to retail outlets

Direct from home and retail outlets

24. From whom major sales contribution comes from?

Customer Retailer

25. What is your mode of sales?

a) For Customers Cash Credit Both

b) For Retailers Cash Credit Both

26. a) Number of villages covered by you. ______________

b) Number of shops served by you. ______________

27. What is the frequency of your orders?

Weekly Fortnightly Monthly Based on the requirement of the

product

28 What is your mode of Purchase ?

Cash Credit

29. What is the contribution of branded FMCG sales? ( in %)______________

If the contribution is low state the reason.

Low demand Non availability/ Poor supply

High price of the product Low margin

Any other reason (please specify)_________________

xii

30. Do you find any increase in sales of branded goods comparing to last year

About the same Marginal increase Considerable Increase

31. Mention the number of brands sold over a period of time for the following

category.

Product category During business

start-up

One year before At present

Toilet Soap

Detergent

Shampoo

Skin Care

Biscuits

Confectionery

32. Where do you place yourself on the ladder before and after starting business on

the following dimensions?

(Use the ladder given along side for each dimension in response before and after

the business put ladder number for each dimension)

Very High " 5

High " 4

Moderate " 3

Low " 2

Very Low " 1

Sl.

No.Statements Before After

A Confidence building

1

2

3

Confidence to talk within the family

Confidence to talk in SHG meeting

Confidence to talk in public

B Self esteem

1

2

3

4

Self image in the family

Self image in community

Self reliance/independence

Feeling of security (Economic/general)

C Decision making pattern

1

2

3

4

Education of children

Family planning

Buying and selling land, property and

household goods

Family and social functions

xiii

D Capacity building

1

2

3

4

Ability to take risk

Ability to understand and solve

problems

Ability to try new ventures

Ability to accept criticism

E Psychological aspects

1

2

Attitudinal Change

Imbibing Values

3 Personality Development

F Social empowerment

1

2

3

4

Team spirit

Communication skills

Assertiveness

Participation in group activities

33. State your level of agreement & disagreement with the problems faced in yourbusiness

Sl

No.Attributes

Strongly

agreeAgree

Neither

Agree

Nor

Disagree

DisagreeStrongly

Disagree

1 Difficult to manage for working

capital needs.

2 Non availability of

products/raw materials

3 Lack of effective training by

Government / NGOs

4 The Product has no market

5 Loans are not sufficient

6 Low profit margin

7 Less support from family

8 Lack of freedom to take

decisions in business

9 Lack of social mobility because

of restrictions in the family

10 Difficult to reach nearby

villages

11 Less support from other

communities

12 Less support within the group

13 Less support from other groups

14 Difficulty in getting payments

from customers

xiv

34. State your level of agreement with the following statements

Sl

NoStatements

Strongly

agreeAgree

Neither

Agree

Nor

Disagree

DisagreeStrongly

Disagree

1 I could Managebusinessindependently

2 My innovativeselling techniques/products facilitatessales

3 I am considered as apioneer in introducingthe latest products

4 I am a well informedperson

5 These days I am nothaving difficulty insourcing the cash

6 I assist my familymembers through myentrepreneurial skills

7 I need not consultmy family membersfor minor personaldecisions

8 My husband andfamily membersconsult me beforethey take importantdecisions

9 I need not depend on

my family members

for meeting smallpersonal expenses.

10 I am confident that I

can mingle with

others and speakcomfortably in public

11 I am confident of

accepting leadership

roles in publicprogrammes.

xv

Sl

NoStatements

Strongly

agreeAgree

Neither

Agree

Nor

Disagree

DisagreeStrongly

Disagree

12 I am capable of

opening a bank

account and I am

aware of banking

formalities

13 I reinvest my profits

for further

development of my

business

14 I have wideopportunities tointeract with others

15 Overall I am satisfiedwith the business

xvi

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xix

APPENDIX-C

DETERMINATION OF SAMPLE AREA FOR UNORGANIZED

BUSINESS SHG MEMBER

DISTRICT

Average Individual

member savings

( in Lakhs)

Average group

Savings

(in Lakhs)

Dharmapuri 0.0382 0.6109

Kanniyakumari 0.0403 0.6444

Karur 0.0416 0.6662

Krishnagiri 0.0429 0.6860

Madurai 0.0429 0.6869

Nagapattinam 0.0516 0.8252

Namakkal 0.0531 0.8490

Pudukkottai 0.0612 0.9793

Ramnad 0.0616 0.9856

Thoothukudi 0.0670 1.0721

Tirupur 0.1083 1.7325

Original data Source: Tamil Nadu Corporation for Development of Women (2012)

Group savings State average 0.6102 lakhs

Individual member savings state average 0.0381 lakhs

Criteria used for selection of districts :Above the State Average

Total Number of districts selected within Tamil Nadu State:11

xx

DISTRICT WISE SAMPLE BREAK-UP

DISTRICT No. of Respondents

Dharmapuri 32

Kanniyakumari 36

Karur 35

Krishnagiri 34

Madurai 38

Nagapattinam 34

Namakkal 29

Pudukkottai 32

Ramnad 30

Thoothukudi 31

Tirupur 31

Total 362

xxi

APPENDIX - D

1. Photographs of Organized Business SHG Members

xxii

2. Photographs of Unorganized Business SHG Members

xxiii

xxiv

APPENDIX- A3

Vernacular Questionnaire for Organized Business

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xxxiii

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xxxiv

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xxxv

APPENDIX- A4

Vernacular Questionnaire for Unorganized Business

!"#$%&'()"#*+,&-."%&-/'01/23 "456+7 8/9/ %.2$1:

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R.J3 =1K%&1S'( %&5C15O ,$&F 08ET6/* =1BP01/K1&=9@

$/N1K4O&'(: ,$&5M <-3 DEF'( 6BP=6 ,!@,P23=%@ <-

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xxxvi

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xxxvii

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xxxviii

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