A

PROJECT REPORT

ON

‘
’
STUDYABOUTAWARENESSOFFI
NANCI
ALPRODUCTAMONG

FARMERSOFHALDWANI(ACASESTUDYOFSUVI
DHANGO)
’’

FOR

THEPARTI
ALFULFI
LLMENTOFTHEREQI
REMENTOTHEDEGREE

OF

MASTEROFBUSI
NEESSADMI
NISTRATI
ON(
2018-
2020)

SUBMI
TEDTO: SUBMI
TTEDBY:

Mr
.AMI
TTHAKER POOJABI
SHT

180020500031

Facul
tyofCommer
ceandBusi
nessManagement

Amr
apal
iInst
it
uteofManagementandComput
erAppl
i
cat
ions

Shi
kshaNagar,
Lamachaur

Hal
dwani
,Ut
trakhand

1
2
STUDENTDECLARATI
ON

Iher
ebydeclarethatproj
ectreportenti
tl
ed‘’
Studyaboutawarenessoff i
nancialproduct
amongfarmer sofHaldwani‘’
iswritt
enandsubmi t
tedbymeundert hegui danceofMr .
AMITTHAKER, HOD,DepartmentOFManagementSt udies,
Amr apaliInsti
tute
ManagementandComput erApplicati
ons.Theinf
ormationi
ncorporatedi nthisprojecti
s
tr
ueandorigi
nal t
othebestofmyknowl edge.Thisreporti
smyor iginalwor kandhas
notbeencopiedfrom anyothersources.

COUNTERSI
GNEDBY

3
 ACKNOWLEDGEMENT

Thepat hofsuccessisneversosmoot handsimpletoachi

Iexpressmysincer
egr ati
tudetoMr .AMI TTHAKER forgiv
ingmeanoppor
tuni
tyt
o
discovermoreknowledgethroughpr act
icall
ear
ningbyorgani
zi
ngi
mmensely
nd
knowledgeabl
eprojectforthestudentofMBA2 semest er.

Iprivi
legedtopaymysi nceregr at
it
udet owardsMr .AMI Tsirf
orprovi
dingtheirvaluabl
e
guidanceandencour agementt hroughouttheprojectforkeepingmymor aleupand
maki ngitpossibletocompl eteandsubmi tthisreportintime.Iam equal
lygratefulto
allmyot herteachersfortheircompl et
esuppor t
.Itwoul dbeunfai
ronmypar tifIdonot
thankmycol l
eaguesf ortheirconti
nuoushelpwi thoutwhi cht
hisworkcouldnev erhave
beenaccompl i
shed.t heymademer eali
zetheimpor tanceofteamworkandal sot he
l
eader shipskil
ls.Iam gratef
ul t
oallofthem standingwi thmeandsuppor t
ingmei nthi
s
project.

Dat
e: (
POOJABI
SHT)

PLACE:
HALDWANI

4
 EXECUTI
VESUMMARY

I
nor dert
oimprov
ethestatusofpov
ertyandi
mpr
over
urall
i
ves,
accesst
orur
al
f
inanceisver
yimpor
tantcomponents.

Increasedaccesstoagri
cul
tur
efinancetherefor
eshouldf
ocusonimprov
ingaccessto
bankingservi
cesandcredi
tinr
uralareas.Around60-70%ofIndi
anpopul
ati
on(di
rect
ly
orindir
ectl
y)dependsuponAgri
cult
uresector.

Fi
nancei
nagr
icul
tur
eisasi
mpor
tantasdev
elopmentoft
echnol
ogi
es.

Technicali
nputscanbepur
chasedandusedbyf ar
mersonl
yifhehas
money(fund),
buthisownmoneyi sal
waysinadequat
eandheneedsout
side
f
inanceandcredit
.

sour
cesoff
inance;
-

Insti
tut
ionalsources;
-Commer ci
alBank,
Co-oper
ati
veBank,Loaddevelopment
Bank,RRB(Regionalrur
albanks,NABARD(Nati
onalBankf
orAgricul
tur
eand
RuralDevel
opment ).

Non-i
nst
it
uti
onalSour
ces;
-Moneyl
ender
s,Landl
ord,
Fri
ends,
Rel
ati
ves,
other
s.

Tal
kingaboutourProject,t
hetit
leoft
heprojectis’
STUDYABOUT
AWARENESSOFFI NANCIALPRODUCTAMONG FARMERSOFHALDWANI‘ This
resear
chiscarr
iedoutusi
ngbot hPrimarydataandSecondarydata.ThemethodthatI
haveusedinquesti
onnair
etechniquestogetthedatafr
om thefarmers.Thesample
sizeofthest
udyis100indiv
idual.

Whyshoul
dfar
mer
stakeanl
oan

 Pur
chaseoff
armi
ngmachi
ner
yandequi
pment
.

 Pur
chaseofl
and.

 Pur
chasef
orseeds,
fer
ti
li
zerandpest
ici
des.

 Est
abl
i
shmentofdai
ryuni
ts.

 Est
abl
i
shmentofsmal
lpoul
tr
yuni
ts.

5
  Forf
ishf
armi
ng.

Personalr
easonsl i
ke; Marr
iage,andheal
thr
elatedt
reat
ment .Suv
idhaworkst
omake
far
mer sawareforfinanci
alproductwit
hthehelpofTrai
ningcamp,Workshop,
nukkad
natakandaswel lashelpstot akenl
oan.

TheNGO’
Shasfi
nanci
altransact
ionswi
thUNI
ONbankandwi
tht
hehel
pofUni
onBank
,
Suvi
dhahel
psf
armersfortakeanloan.

6
7
 CONTENTS

Chapt
er1………………………………………………………………….
..
..
..
..
..
.7-
11

 1.
1Int
roduct
ion…………………………….
…………………… 7-
8

 1.
2Obj
ect
iveoft
hest
udy……………………………….
.……9

 1.
3Resear
chmet
hodol
ogy
…………………………………….
.10

 1.
5Li
mit
ati
onoft
hest
udy…………………………………….
.11

Chapt
er2……………………………………………………………………………….
12-
24

 2.
1Indust
rypr
ofi
l
e……………………………………………….
12-
15

 2.
2Companypr
ofi
l
e…………………………………………….
.16-
24

Chapt
er3……………………………………………………………………………….
.25-
33

 3.
1Dat
acol
l
ect
ion……………………….
……………………….
..
25

 3.
2Dat
aanal
ysi
s……………………………………………………….
26-
33

Chapt
er4…………………………………………………………………………………34-
36

 4.
1Fi
ndi
ngs……………………………………………………………….
34

 4.
2Suggest
ionsandRecommendat
ions…………………….
35

 4.
3Concl
usi
on………………………………………………………….
.36

 Bi
bli
ogr
aphy
………………………………………………………………………37

 Quest
ionnai
re…………………………………………………………………………38—39

8
 CHAPTER-
1
1.
1 I
NTRODUCTI
ON
Fi
nancei
nagri
cult
ureisasi
mport
antasdevel
opmentoftechnol
ogies.Techni
cal
i
nputscanbepur
chasedandusedbyfarmer
sonlyi
fhehasmoney (fund).buthi
sown
moneyisal
waysinadequat
eandheneedsoutsi
def
inanceandcredi
t.

 Ty
pesofcr
edi
ts
Thecr
edi
tsr
equi
rement
sofagr
icul
tur
ear
eoft
hreet
ypes;
-

1.Shor
t–t
erm

2.Medi
um –t
erm

3.Long–t
erm

T;
SHORTTERM CREDI i
sagener
ict
ermf
orar
evol
vi
ngl
i
neofcr
edi
tgr
ant
edt
oabusi
ness
ofoney
earorl
ess.

MEDI T;
UM TERM CREDI i
sal
oansf
oraper
iodsofbet
ween15MONTHTO5YEAR.

LONGTERM CREDI
T;-
isal
oansf
oraper
iodbet
weenFI
VETOTENYEAR.

 Needf
oragr
icul
tur
eloan

1.PRODUCTI
VENEED

2.UNPRODUCTI
VENEED

Pr
oduct
iveneed

9
  Pur
chaseFer
ti
li
zesandI
mpl
ement

 Dev
elopmentofLand

Unpr
oduct
iveneed

 Cel
ebr
ati
onofBi
rt
h

 Cel
ebr
ati
onofMar
ri
age

 Sour
cesofagr
icul
tur
eloans

I
nst
it
uti
onal
sour
ces Non–i
nst
it
uti
onal
sour
ces

Commer
cial
Bank Moneyl
ender
s

Co-
oper
ati
veBank Landl
ord

Loaddev
elopmentbank Fr
iends

RRB(
Regi
onal
rur
albanks Rel
ati
ves

NABARD(Nati
onal
Bankf
orAgr
icul
tur
eand ot
her
s
Rur
alDev
elopment
)

 Ty
pesofagr
icul
tur
eLoansi
nIndi
a

 Runni
ngdayt
odayoper
ati
on

 Buy
ingf
arm machi
ner
ysuchast
ract
ors,
har
vest
ers

 Pur
chasi
ngl
and

 St
oragepur
poses

 Pr
oductmar
ket
ingl
oans

 Expansi
on

10
  SCHEMESFORAGRI
CULTUREFI
NANACE
1.
SBTKI
SANGOLDCARDSCHEME

2.
KISANCREDI
TCARDSCHEME

3.
SCHEMEFORFI
NANCINGFARMERSFORPURCHASEOFLANDFORAGRI
CULTURE
OFLANDFORAGRI
CULTURALPURPOSES

4.
SCHEMEFORCULTI
VATI
ONOFMEDI
CINALPLANTS

5.SBTRAI
NWATERHARVESTI
NGSCHEME

6.PRODUCEMARKETI
NGLOANandmanyot
her
…

1.
2 OBJECTI
VEOFTHESTUDY

1.Toknowwhet
hert
hef
armer
sar
eawar
eaboutf
inanci
alpr
oductornot
.

2.Toknowther
ollofSuv
idhaNGOi
ndi
ssemi
nat
ingf
inanci
alawar
eness
amongfar
mers.

11
 1.
3 RESEARCHMETHODOLOGY

I
tdescr
ibet
hedatacol
lect
ionmethod,t
hesampli
ngplan,t
het
oolsofi
nvest
igat
ion,
pl
anni
ngandtest
ingofquest
ionnai
reandt
heli
mitat
ionoft
hest
udy.

DATASOURCE

1.
Pri
mar
ydat
a:-pr
imar
ydat
awascol
l
ect
edbymeansofquest
ionnai
res.

2.
Secondarydata:
-col
l
ectedbyr
efer
ri
ngt
ovar
iousbook,
magazi
nes,
jour
nal
and
i
nter
net(detai
l
sinbibl
iogr
aphy)
.

SAMPLI
NGDESI
GN

Uni
ver
ses:
-Theuni
ver
seswasf
ini
tei
nthest
udy,
sincet
hepopul
ati
onofundersuv
idha
NGO’Sworkarea.

Sampl
i
ngsi
ze:
Thesampl
esi
zeoft
hest
udy100i
ndi
vi
dual
..

Popul
ati
on:Ar
ound2000

Sampl
ingpr
ocedur
e:-Duetot
hetimeandresour
ceconstr
aint
stheconvenience
sampl
i
ngtechni
quewasused.Theindi
vi
dualwer
esel
ectedaccordi
ngtofil
lthe

12
quest
ionnai
res.

1.
4LI
MITATI
ONOFTHESTUDY

1.Ther
esear
chwasconducti
nasmal
lar
ea.

2.Surv
eyisl
i
mitedt osmallnumberofi
ndi
vi
dual
’sasiti
snotpossibl
etor
eachall
thefar
mer
sininaccessibl
eareawhoist
akenagri
cult
urel
oan.,hencet
heresul
t
maynotbetr
uef oral
lthe.

3.Lackofi
nter
estandmot
ivat
ionamongt
hef
armer
’st
ogai
ntheknowl
edge.

4.Vali
dit
yandReli
abi
li
tyofthedat
aobt
aineddependsont
hecor
rect
nessoft
he
responsesbyt
herespondent
s.

13
 CHAPTER-
2
2.
1INDUSTRYPROFI
LE
Non-gover
nmentalorganizat
ions,
commonl yref
err
edt oas 
NGOs, 
areusuall
y non-
profi
t
 
independentofgover
nment s, 
manyareacti
veinhumanitar
ianorsoci
alareas,however,
NGOscanal sobeasl obbygroupsforcor
porati
ons,suchasthe 
WorldEconomi cForum.
 
NGOsi sal sosomet imesexpandedt o nongovernment al
 or nongov ernment
organizations. NGOsar eusuallyfundedby  
donations,butsomeav oidformal f
unding
alt
oget herandar erunpr imarilyby  
volunteers.NGOsar ehi ghlydiver segroupsof
organizationsengagedi nawi der angeofact i
vi
ti
es, andtakedi f
ferentformsi ndif
ferent
partsoft hewor ld.Somemayhav echar it
ablestatus,whil
eot hersmayber egi
ster
edf or
taxexempt ionbasedonr ecogni t
ionofsoci alpurposes.Ot her smaybef rontsfor
poli
tical,r
eligi
ous, orot herinterests.Sincetheendof  
Wor l
dWarI I
,NGOshav ehadan
i
ncreasi ngr ol
ein internati
onal dev el
opment ,parti
cularl
yint hef i
eldsofhumani tar
ian
assistanceandpov ertyallevi
ation.
Russi
a hadabout277,000NGOsin2008.I
ndia i
sesti
mat
edtohav
ehadaround2mil
l
ion
NGOsin2009, j
ustoveroneNGOper600I ndians,
andmanyti
mesthenumberof
pri
maryschoolsandpr i
maryheal
thcent
ersinIndi
a.
Theter
m" non-gover
nment alor
gani
zati
on"wasf i
rstcoinedin1945,whent he Unit
ed
Nati
ons (
UN)wascr eated. 
TheUN,it
selfan 
i
ntergovernment al
organizati
on,madei t
possi
bleforcert
ainapprovedspeci
ali
zedint
ernati
onal non-
stateagencies—  i.
e.,
non-
gover
nment alor
ganizat
ions—t obeawardedobserverst at
usatitsassembl iesand

14
someofitsmeeti
ngs.Latertheter
m becameusedmor ewidel
y.Today
,accordi
ngtothe
UN,anykindofpr
ivateorgani
zati
onthatisi
ndependentfr
om governmentcontr
olcanbe
ter
medan" NGO",provi
deditisnot
-f
or-pr
ofi
t,non-
prev
enti
on,butnotsi
mplyan
opposi
ti
onpoli
ti
calparty.
TYPES
NGO/GRO(government
al-
rel
atedorgani
zat
ions)t
ypescanbeunder
stoodbyt
hei
r
or
ient
ati
onandlevel
ofhowt heyoperat
e.
Byor
ient
ati
on

 Chari
tabl
eori
entat
ion oft
eninv
olv
esat op-
downeff
ortwi
thl
it
tl
epart
ici
pat
ionor
i
nputbybenefi
ci
aries.Iti
ncl
udesNGOswi t
hacti
vi
ti
esdir
ect
edtowar
dmeet i
ngthe
needsofthedi
sadv ant
agedpeoplegr
oups.

 Servi
ceorientat
ion 
incl
udesNGOswithactivi
ti
essuchastheprovi
sionofheal
th,
famil
yplanningoreducati
onservi
cesinwhichtheprogr
ammedi sdesignedbythe
NGOandpeopl eareexpectedt
oparti
cipat
einitsi
mplementat
ionandinrecei
ving
theserv
ice.

 Par
ti
cipat
or yori
entat
ion i
scharacteri
zedbyself-
hel
pprojectswherelocalpeopl
ear
e
i
nvol
vedpar ti
cul
arlyi
nt heimplementationofaproj
ectbycontri
buti
ngcash, t
ool
s,
l
and,material
s,l
aboretc.Intheclassicalcommunit
ydevelopmentproject
,
par
ti
cipat
ionbeginswi t
ht heneeddef i
niti
onandconti
nuesintothepl
anningand
i
mplement ati
onstages.

 Empower i
ngor i
entati
on ai
mst ohel
ppoorpeopledevelopacl earerunderstanding
ofthesocial,
pol i
ti
cal andeconomicfactor
saff
ect
ingtheirliv
es, andtostrengthen
thei
rawarenessoft heirownpotent
ialpowert
ocontroltheirl
ives.Thereis
maximum i nvolvementoft hebenef
ici
ari
eswit
hNGOsact ingasf acil
i
tator
s.
Byl
evelofoperation

 Communi t
y-basedor gani
zati
ons (
CBOs)ari
seoutofpeople'sowni nit
iati
ves.They
canberesponsibl
ef orrai
singtheconsci
ousnessoftheurbanpoor ,helpi
ngthem to
under
standtheirr
ightsinaccessingneededserv
ices,andprovi
dingsuchser vices.

 Cit
y-wi
deorganizati
ons i
ncludeorganizat
ionssuchaschambersofcommerceand
i
ndustr
y,coal
iti
onsofbusi ness,
ethnicoreducati
onalgr
oups,
andassoci
ati
onsof
communityorganizat
ions.

 St
ateNGOs i
ncl
udestat
e-l
evelorgani
zat
ions,associ
ati
onsandgroups.Somest
ate
NGOsalsoworkundert
heguidanceofNationalandInt
ernat
ional
NGOs.

 Nati
onalNGOs incl
udenati
onal or
ganizati
onssuchas
the 
YMCAs/YWCAs,  
prof
essionalassociat
ions 
andsi
mil
argr
oups.Somehav
est
ate
andcit
ybranchesandassistlocalNGOs.

15
 I
nter
nationalNGOs 
rangefr
om secul
aragenci
essuchas Savet
heChi
ldr
en,t
o
r
eli
giouslymoti
vat
edgroups.Theycanberesponsibl
eforf
undi
ngl
ocalNGOs,
i
nsti
tuti
onsandproject
sandimplementi
ngproject
s.
Apartfr om "NGO" ,t
herearealt
ernati
veorov erl
appingtermsi nuse,incl
uding: 
thi
rd-
sector organizat
ion( TSO),
 
non-prof
itorganizati
on (NPO) ,voluntaryorganizat
ion
(VO), 
civ i
lsociet
y organi
zati
on(CSO) ,
 
gr assroots 
organization(GO) ,
 soci
al movement
organizat i
on(SMO) ,pri
vat
ev ol
untar
yor ganizati
on( PVO) ,
 
sel f
-help 
organizati
on(SHO)
and non- stat
eactors (NSAs).
InPortuguese,Spanish,Fr
ench,I
tal
ianandother Romancel anguages,the'
mirr
ored'
abbreviat
ion"ONG"i sinuse,whi
chhasthesamemeani ngas" NGO"(for
exampl Or
e  ganizat
ionnon-gover
nmental 
i
nFr ench,Or
  ganizaçãoNãoGov er
namental 
i
n
Port
uguese,Organizaciónnogubernamental
 
inSpani sh,orOr
  ganizzazi
onenon
governati
va i
nItali
an).
Governmental
-r
elat
edorgani
zati
ons/non-
government
alorganizat
ionsar
ea
het
erogeneousgroup.Asaresul
t,al
ongli
stofaddi
ti
onalacronymshasdevel
oped,
i
ncl
udi ng:

 BI
NGO:
'Busi
ness-
fr
iendl
yint
ernat
ional
NGO'
or'
Bigi
nter
nat
ional
NGO'

 SBO:'
SocialBenef
itOrgani
zati
on,
'aposit
ive,
goal
-or
ient
eddesi
gnat
ionasa
subst
it
uteforthenegati
ve,"
Non-"desi
gnati
ons

 TANGO:
'Techni
cal
assi
stanceNGO'

 TSO:
'Thi
rd-
sect
oror
gani
zat
ion'

 GONGO: '
gov
ernment-or
ganizednon-governmentalor
gani
zat
ion'
or'
gover
nment-
operat
edNGOs'(setupbygov ernmentstolookl
ikeNGOsinordert
oqual
ifyf
or
outsi
deai
dorpromot et
heinterestsofgovernment)

 DONGO:
'Donor
-or
gani
zedNGO'

 I
NGO:
'I
nter
nat
ional
NGO'

 QUANGO: '
Quasi-
aut
onomousNGO, 'or 
QUANGO  ref
ertoNGOssetupandf
undedby
gover
nment.Theter
mi spar
ti
cular
lyprevalentwi
thi
ntheUK(wher
ether
earemore
than1,
200ofthem),t
heRepubli
cofIreland,andt
heCommonwealth.

 Nati
onalNGO:Anon-
gov
ernment
alor
ganizat
ionthatexist
sonl yinonecountr
y.Thi
s
ter
mi sr
areduet
othegl
obal
iz
ati
onofnon-gover
nment alorganizat
ions,
which
causesanNGOtoexi
sti
nmorethanonecountry
.

 CSO:
'Ci
vi
lSoci
etyOr
gani
zat
ion'
.

 ENGO:
'Env
ironment
alNGO,
'suchas 
Greenpeace 
and 
WWF

16
 NNGO:
'Nor
ther
nNGO'

 PANGO:'Par
tyNGO,
'setupbypar
ti
esanddi
sgui
sedasNGOst
oser
vet
hei
rpol
i
tical
matt
ers.

 SNGO:
'Sout
her
nNGO'

 SCO:
'Soci
alchangeor
gani
zat
ion'

 TNGO: '
Transnati
onalNGO.'
Thet er
m emergeddur i
ngthe1970sduetotheincr
ease
ofenv
ironment al
andeconomicissuesintheglobalcommunity
.TNGOi ncl
udesnon
-
governmentalorgani
zati
onsthatarenotconf
inedtoonlyonecount
ry,butexi
sti
n
twoormor ecountri
es.

 GSO:
 
Grassr
oot
sSuppor
tOr
gani
zat
ion

 MANGO:
'Mar
ketadv
ocacyNGO'

 NGDO:
'Non-
gov
ernment
aldev
elopmentor
gani
zat
ion'

Hi
stor
y
Int ernat ional non- government alorgani zat i
onshav eahi stor ydatingbackt oatl eastthe
l
at eei ght eent hcent ury.Ithasbeenest i
mat edthatby1914, therewer e1083
]
NGOs.  International NGOswer ei mpor tanti nthe ant i
-slaver ymov ement  andthe
mov ementf or women' ssuf f
rage,andr eachedapeakatt het i
meoft he Wor ld
Di sar mamentConf erence. Howev er,thephr ase"non- gover nment alorganization"only
camei nt opopul arusewi ththeest ablishmentoft he Uni t
edNat i
onsOr ganization i
n
[
1945wi thpr ov i
sionsi nAr ti
cle71of  Chapt er10oft heUni tedNat i
onsChar ter fora
consul tativer ol
ef ororgani zati
onswhi char eneithergov ernment snormember
st ates—see  Consul tati
veSt atus .Thedef initi
onof" internat ional NGO"( INGO)i sfir
st
giv eni nr esolution288( X)ofECOSOConFebr uar y27, 1950: itisdef i
nedas" any
i
nt ernat ional organizationt hatisnotf oundedbyani nternat i
onal treaty".Thev italr
oleof
NGOsandot her"maj orgr oups"in sustainabl edev elopment  wasr ecogni zedinChapt er
27of  
Agenda21, leadingt ointensear rangement sf oraconsul t
ativerelat i
onship
bet weent he UnitedNat ions andnon- gov ernment al organi zations. I
thasbeenobser ved
thatt henumberofI NGOf oundedordi ssol vedmat chest hegener al"stateoft hewor l
d",
risingi nper iodsofgr owt handdecl i
ningi nper iodsofcr isis.
Rapiddevel
opmentoft henon-gov
ernment
al sect
oroccurredinwester
ncountri
esasa
resul
toftheprocessesofrest
ruct
uri
ngofthe wel
farestate.Fur
ther
 gl
obal
i
zati
on ofthat
processoccurr
edafterthefal
loft
hecommuni stsystem andwasani mport
antpartof
theWashingtonconsensus.
Gl
obal
izat
iondur
ingt
he20thcenturygav
er i
set otheimportanceofNGOs.Many
pr
obl
emscouldnotbesolvedwi
thinanation.
 Int
ernati
onaltreat
ies 
andinter
nati
onal
or
gani
zati
onssuchasthe 
Worl
dTr adeOrganizati
on werecenteredmainlyonthe

17
i
nt erest sofcapi tali
stenterpr i
ses.Inanat t
emptt ocount erbal
ancet histrend,NGOs
hav edev elopedt oemphasi ze humanit
ariani ssues, devel
opment alai
d and sust
ainabl e
dev elopment .Apr omi nentexampl eofthisist he Wor ldSocialFor um,whi chisarival
conv ent iontot heWor l
dEconomi cForum  heldannual l
yinJanuar yin Davos, 
Switzerland.
Thef i
fthWor ldSoci alForum in PortoAlegre, Brazil
, i
nJanuar y2005wasat t
endedby
represent ati
vesf rom mor et han1,000NGOs.  I
nt ermsofenv i
ronment alissuesand
sust ainabl edev el
opment ,t
he  Ear
thSummi t
 inRioi n1992wast hefir
sttoshowt he
powerofi nternationalNGOs, whenabout2, 400r epresentati
vesofNGOscamet opl aya
cent ral r
oleindel iberati
ons.Somehav ear guedt hati nforumsl i
ket hese,NGOst aket he
placeofwhatshoul dbel ongt opopularmov ement soft hepoor .What everthecase,
NGOt ransnat i
onal networkingi snowext ensive.
Legal
stat
us
Thelegalf
orm ofNGOsisdiver
seanddependsuponhomegr
ownvari
ati
onsi
neach
countr
y'
slawsandpract
ices.However
,fourmai
nfamil
ygr
oupsofNGOscanbefound
worl
dwide:

 Uni
ncor
por
atedand 
vol
unt
aryassoci
ati
on

 Tr
ust
s, 
char
it
ies,
and 
foundat
ions

 Compani
esnotj
ustf
orpr
ofi
t

 Ent
it
iesf
ormedorr
egi
ster
edunderspeci
alNGOor
 non-
prof
it
 l
aws
The CouncilofEurope 
in 
Str
asbour g draft
edt he EuropeanConv ent
ionont he
Recogniti
onoft heLegalPersonalit
yofI nternati
onal Non-
Gov er
nment al
Organizati
ons i
n1986, whi
chset sacommonl egalbasisfortheexi
stenceandwor kof
NGOsi nEur ope.Art
icl
e11oft he EuropeanConv entiononHumanRi ght
s prot
ect
sthe
ri
ghttof r
eedom ofassociat
ion,whi chisal soaf undament al
normf orNGOs.

Li
stoft
opNGOi
nINDI
A

1.Chi
l
dRi
ght
sandy
ou(
CRY)

2.GOONJ…av
oice,
anef
for
t

3.Hel
pAgeI
ndi
a

4.TheAkshay
aPat
raFoundat
ion(
TAPF)

5.KcMahi
ndr
aEducat
ionTr
ust
(Nanhi
Kal
i
)

6.LEPRAI
ndi
a

7.Pr
atham Educat
ionFoundat
ion

18
 8.SammaanFoundat
ion

9.Smi
l
eFoundat
ion

10.Gi
veFoundat
ion

CompanyPROFI
LE
SUVIDHA al eadi
ngNGOofI ndiai
sbasedinUt tarakhandoneoft heHimal
yanstat
esof
thecount
ry.Theor gani
zat
ionhasbeenworkingf orthesocialandeconomi
c
devel
opmentofv ul
nerabl
eandresourcedef
icientruralpeopleespeci
all
ymargi
naland
smallf
armers.

Establi
shedi
nthey ear2004,SUVIDHAhasdevoted12year
sworki
ngin4stat
estowor
k
onOr gani
cFarming,Liv
eli
hoodDev el
opment,WomenEmpowerment,Heal
thand
Sanitat
ion,
Capacit
yBuildi
ng,Natural
Resour
cesManagementandCli
mateChange.

Capaci
tybui
l
ding

St
ate Faci
l
iti
esf
armer
s Tr
aini
ngonf
armi
nputmanagement

ODI
SHA 1630 1.Var
iouscompost
ingmet
hods

CHHATTI
SGARH 537 2.I
nst
all
ati
onofcompost
inguni
ts;
Ver
micompost
,
NADEP.
UTTARAKHAND 400
3.Soi
lheal
thmanagement

4.Di
seaseandpestmanagementact
ivi
ti
es

5.Cr
oppr
otect
ionact
ivi
ti
es

19
UnderNAI
NITALDI
STRI
CT;

Locat
ion Tr
aini
ngact
ivi
ti
es Faci
l
itat
edf
armer
s

Nai
nit
aldi
str
ictU.
k 1.
Inputmanagement 109

2.
saf
etyst
andar
ds

3.
Repai
rmanagement

VI
SIONANDMI
SSI
ON

VI
SIONSt
ri
vi
ngt
obet
hegl
obal
leaderf
orsust
ainabl
emanagementofnat
ural
resour
se.

Sust
ainabl
eAgr
icul
tur
e

Cl
imat
eChange

Li
vel
ihoodPr
omot
ion

WomenEmpower
ment

Nat
uralResour
cesManagement

Pl
anni
ng&Moni
tor
ing

Heal
th

Cr
eat
eawar
enessaboutf
inanci
alpr
oduct

MISSIONTosupportt
heliv
eli
hoodandwell
–beingandruralcommuni t
ythr
oughnat
ural
sust
ainabl
eorgani
cagri
cul
tur
eandall
iedpr
act
icesthatserv
e, honorandpr
otect
MotherNatur
e.

 Sust
ainabl
eagr
icul
tur
e

20
Sust
ainabl
eagr
icul
tur
eint
egr
atedt
hreemai
ngoal
;
-

1.ENVI
RONMENTALCHANGE

2.ECONOMI
CPROFI
TABI
LITY

3.SOCI
AL&ECONOMI
CEQUI
TY

 Cl
i
mat
echange

 Gl
obal
war
mingexi
sts

 ManmadeCO2

Team f
rom SUVI
DHAact
ivel
ypar
ti
cipat
ein;
-

 1weekt
rai
ningf
ort
rai
ner
spr
ogr
ammef
rom Bhi
ki
asai
n.

 1weekt
rai
ningi
nAl
mar
aDi
str
ictconduct
edbyNNS.

 Addit
ional
ly,
an11day
str
aini
ngoft
rai
ner
swaspar
ti
cipat
edbyt
het
eam at
Bagapall
i.

Obj
ect
iveoft
het
rai
ningwer
e;-

 Awar
enessofgl
obal
eff
ect
sofcl
i
mat
echangeandact
ivi
ti
est
ocur
bthesi
tuat
ion.

 St
udyofGeo-
coor
dinat
ion.

 Under
standi
ngt
hef
astpaceddi
git
izat
ion.

 Li
vel
i
hoodDev
elopment

‘
’Withfi
nanci
alsuppor
tofTat aMot or
sPant nagar,SUVIDHA i
nit
iat
edaprojecton
l
iveli
hoodpromoti
onthroughagr i
cult
uralandall
iedacti
vit
iesi
ntheKumauonr egi
onof
Uttar
akhand.Theacti
vit
iesunderthepr ogrammewer etakenupsuccessf
ullyi
nthe
contextofl
ivel
i
hoodactivi
ti
es.’
’

21
Theact
ivi
ti
esexecut
edi
nthepr
ojectar
eshowni
nthedi
agr
am;
-

Component Benef
ici
ary Vi
l
lage Bl
ock Di
str
ict
cover
ed

Trai
ningon
I
ntegratedpest
Management
andAgr i
cul
ture 24 Fat
tabanagar Hal
dwani Nai
nit
al
Pract
ices
&Hai
dagaj
j
ar

Trai
ningon
Orchard
24 Bi
nta Dwar
ahat Al
mor
a
Development

Traini
ngon
Spice
Processingand
Packaging 26 Di
neshpur Gadar
pur U.
S.Nagar

Alt
ernate
I
ncomet o
Marginal
Farmers Fat
tabanagar Hal
dwani Nai
nit
al
thr
oughPoul
tr
y
Farming 44 &Hai
dagaj
j
ar

22
  WomenEmpower
ment

SUVIDHAasani mplement
ingagencyfordepart
mentofwomenEmpower ment&Chil
d
Devel
opment, DEHRADUNhasundertakentheproj
ectf
ortheLiv
elihoodI
mprovement
ofAdolescentGi
rl
sandWomeni nDistr
ictaf
fect
edareaofPit
horagarh.

Thear
eassel
ect
edf
ort
hepr
ojectar
edi
sast
eraf
fect
edhav
ewi
descopeofLi
vel
i
hood
i
mprovement
.

Twel
vevil
lagesofMunsy ar
iBl
ockofPithor
agar
hDi
str
ictar
ecov
eredunder
thepr
oject.Thetar
get edbenef
ici
ari
esofthepr
ojectar
e500womenandadolescent
gir
lsf
rom MunsyariBlock.

 Handl
oom Tr
aini
ngcent
re

27Womenwer etr
ainedi
nthear
tandt
radeofHandl
oom i
nSai
nar
thi
Vil
l
age,
BedumeherVi
l
lage.

 St
it
chi
ngTr
aini
ngCent
re

55Womenwer
etr
ainedi
nDi
sast
eraf
fect
edVi
l
lages.

 Kni
tt
ingCent
reatTi
mti
yaVi
l
lage

22Womenwer
etr
ainedi
nthi
svi
l
lage.

23
  Handi
craf
tTr
aini
ngCent
re

Handi
craf
tTr
aini
ngCent
reatNami
kHASTr
ained40womenandadol
escentgi
rl
sin
t
radeoHandi
craft
.

 KumauoniFoodCent
re

I
thast
rai
nedwomenofBhandar
iVi
l
lage.

 Heal
th
I
ndiai
sthehighestTBbur
dencountr
ywithWor
ldHeal
thOrgani
zat
ionst
atisti
csfor
2011gi
vinganestimat
edi
ncidencef
igur
eof2.
2mil
li
oncasesofTBforIndiaoutofa
gl
obali
ncidenceof8.
7mil
li
oncases.

Si
nce2013,SUVI
DHA commi tt
edtothecauseofTB,i
nit
iat
edTB
control
progr
ammedi
ncol
labor
ati
onwi
thI
nternat
ionalUni
onagainstTBandLung
Disease,Del
hi.

24
Pr
ojectAXSHYA ar
eacov
ered

Theprojectcov
ersf
ivebl
ocksofNai
nit
alDi
str
ict.i
.e.Ramnagar,
Dhar
i,Okhl
kanda,
Bet
alghatandKotal
ghat.

SUVI
DHAal
socol
l
ect
edsput
um andr
efer
stheTBpat
ient
sforDOTS.

Meet
ingatv
il
lagel
evel 158

AxshaySamv
ad 1438

Sput
um col
l
ect
ion 147

Sput
um +Foud 38

PutonTr
eat
ment 37

Mi
dmedi
ainVi
l
lages 19

 Nat
ural
resour
cesManagement
BuildontheethosofSUSTAINABLEnatural
resour
esmanagement,SUVIDHAhas
establ
ishedscient
if
ical
l
ygearedpr
oject
swhichuseofnat
ural
resourcesinway
swhi
ch
prosperbothmankind.

Pr
epar
ingofPBRsandBMCf
ormat
ion

PBRS=PEOPLEBI
ODI
VERSI
TYREGI
STER

BMC=BI
ODI
VERSI
TYMANAGEMENTCOMMI
TTEE

Vi
l
lage Bl
ock i
str
ict

25
Mat
ela Dwar
ahat Al
mor
a

Bhor
sa Nai
nit
al

Bhi
mtal

Bansmat
oli Bi
n Pi
thor
agar
h

Chi
tgal Gangol
i
hat Pi
thor
agar
h

Jaj
ut Gangol
i
hat Pi
thor
agar
h

 Pl
anni
ngandmoni
tor
ing
SUVIDHAf or
mulated87Micr
opl
ansforVanPanchay
atsofPi
thor
agarhi
nAskot
LandscapeunderBCRLIP(
BioDi
ver
sit
yConser
vati
on&RuralLi
vel
ihoodDev
elopment
Progr
am) .

Name No.ofvi
ll
aget
akenup Pr
ogr
amme
underMi
cropl
anni
ng

Pi
thor
agar
h(AskotLandscap) 87 BCRLI
P

Pi
thor
agar
/ 64 CAMPA

Gangol
i
hat
/

Ber
inag/
Munsi
yar
i

BCRLI
P=BI
ODI
VERSI
TYCONSERVATI
ON&RURALDEVELOPMENTPROGRAM.

26
CAMPA=COMPENSATORYAFFORESTATI
ONFUNDMANAGEMENTANDPLANNI
NGAUTHORI
TY.

 Cr
eat
eawar
enessaboutf
inanci
alpr
oduct
Suvi
dhaworkstomakef ar
mer sawar
eforfi
nanci
alpr
oductwit
hthehel
pofTr
aini
ng
camp,Wor
kshop,nukkadnatakandaswell
ashelpstotakenl
oan.

TheNGO’
Shasfi
nanci
altransact
ionswi
thUNI
ONbankandwi
tht
hehel
pofUni
onBank
,
Suvi
dhahel
psf
armersfortakeanloan.

LOAN I
NTERESTRat
e

 Theinter
estr
ateschar
gedf
oragr
icul
tur
eloanscanv
arysi
gni
fi
cant
lybasedon
thet
y peofl
oanscheme.

 Thei
nter
estr
atesf
oragr
icul
tur
eloansst
artatabout8.
80%p.
a.

Whyshoul
dfar
mer
stakeanl
oan

 Pur
chaseoff
armi
ngmachi
ner
yandequi
pment
.

 Pur
chaseofl
and.

 Pur
chasef
orseeds,
fer
ti
li
zerandpest
ici
des.

 Est
abl
i
shmentofdai
ryuni
ts.

 Est
abl
i
shmentofsmal
lpoul
tr
yuni
ts.

 Forf
ishf
armi
ng.

 Per
sonal
reasonsl
i
ke;
Mar
ri
age,
andheal
thr
elat
edt
reat
ment
.

Documentr
equi
redf
oragr
icul
tur
eloan

 Dul
yfi
l
ledappl
i
cat
ionf
orm

 KYCdocument

 Land/assetdocument

27
  Secur
it
yPDC

 Anyot
herdocumentmandat
edbyt
hel
ender
.

Chapt
er-
3
3.
1DATACOLLECTI
ON

Fort
hepur
poseoft
hisr
esear
chi
ndept
hint
erv
iewwer
eusedwhoseai
mist
omar
ket

28
anal
ysi
sofconsumerhomeappli
ances,
themainadv
ant
agesofpersonal
int
erv
iewi
sto
gett
heproperi
nfor
mati
onwhichistr
ueandbasedonmyknowledge.

Met
hodofdat
acol
l
ect
ion

 Per
sonal
int
erv
iew

 Obser
vat
ion

 quest
ionnai
re

3.
2 Dat
aAnal
ysi
s
Q1.
Whati
syourname?
..
..
..
..
..
..
..
..
..
..

Gender;
-a)Mal
e b)Femal
e

29
Q2.Whati
syourage?

a)
20-
30y
ear
s b)
30-
40

c)
40-
50 d)mor
ethan50

Q3.Whati
syouroccupat
ion?

a)
Student b)Far
ming

c)
Publ
i
c/pr
ivat
eempl
oyee d)sel
fempl
oyee

30
Q4.Doy
ouev
ert
akenal
oan?

a)Yes b)No

Q.
5.Whydoy
ouneedt
otakenal
oan.

a)
Pur
chaseseeds,
fer
ti
li
zer
sandi
mpl
ement

31
b)Dev
elopmentofl
and

c)Mar
ri
ageandot
hercel
ebr
ati
on

d)Ot
herr
eason

Q.
6.I
fyes,
From Whi
chsour
ce,
doy
out
akeanl
oan.

a)Banks b)
Fri
endsandr
elat
ives

C)Moneyl
ender
s d)Ot
hersour
ce

32
Q7.
Doy
ouknowaboutagr
icul
tur
eloanscheme?

a)Yes b)No

33
Q8.I
fyes,
i
nwhi
chf
inanci
alschemeshel
p’
s,y
out
akeanl
oan?

a)Schemef
orf
inanci
ngf
armer
sfort
hepur
poseofl
and

b)SBTki
sangol
dcar
dscheme

c)Ki
sancr
edi
tcar
dscheme

34
Q9.Ifyes,
whatmet
hoddoest
heNGOuset
omakey
ouawar
eforagr
icul
tur
efi
nanci
al
scheme?

a)
Organi
zet
hewor
kshop b)t
rai
ningcamp

c)
Banner
sandnukkadnat
ak

35
Q10.Doy
ouknowaboutSuv
idhaNGO?

a)Yes b)no

36
Q.
11.
Doest
heNGOhel
pyout
akenAgr
icul
tur
all
oanf
rom banks.

a)Yes b)No

Q.
12.Fr
om whi
chbankdoest
heNGOhel
pint
akenal
oan.

a)SBI b)Uni
onBank

Q13.Whatdoy
out
hinkaboutSUVI
DHANGO.I
tisagoodandhel
pful
forawar
enessof

37
agr
icul
tur
eloan?
.

a)
Good b)ni
ce

c)
aver
age

38
 CHAPTER-
4
4.
1FI
NDI
NGS

1.Only38%farmerstakenloanforagr
icul
tur
epur
posemeanst
hatthefar
mer
’s
nottr
ulyawareaboutfi
nanci
alpr
oducts.
Farmer
sneedst
oawareness.

2.Only18%f ar
merstakeanl oanf rom banksandmostoft hef armerstakenloan
from ot
hersour
ceslike;moneyl enders,f
ri
endsandr elati
ves,inst
eadofwhi ch
theyhavetoret
urnal otofinterest,inthatcase;Suvidhaplayagoodr oll
,
makingthem awareaboutf inancialschemesaswel lasi thelpsfarmerstotake
anloanfrom wi
ththehelpofuni onbankwi t
hlessinterestrate.

3.Suvi
dhaNGOdoi
ngagoodjobt omakef
armer’
s awar
e,aboutf
inanci
alpr
oduct
wit
hthehel
pofBanner
s,Nukkadnat
ak,wor
kshopandtr
aini
ngcamp.

39
 4.
2SUGGESTI
ONANDRECOMMENDATI
ON

1.SUVIDHANGOneedtoi
mproveit
sonli
nepr
esence.anduseonl
i
nemedi
a
forawar
enessl
i
ke;
communit
yradioi
sabestf
orawareness.

2. SUVIDHAshoul
dbuil
drel
ati
onshi
pwi
tht
hatt
ypesofBanks,
thatgi
ve
loanstof
armersatl
owint
erest
.

3.TheNGOshouldalsoor
ganizewor kshopi
nv i
l
lageschool
area,
Sothat
thei
rchi
l
drencanknowtheadvantagesoffi
nancial
schemesandhe/she
coul
dmakehis\herpar
entsaware.

40
 4.
3CONCLUSI
ON

Duri
ngthe45day sofinternshi
patSUVI DHANGO, almostal
lthedeskhavebeen
obser
vedmor eorlessthanagr i
cult
uralfi
rm.Thi
spracti
calor
ient
ati
onprogram ,i
nfirst
havebeenarrangedforgainingknowledgeofagr
icul
tureandtocomparethispract
ical
wit
htheoret
icalknowledge.

Compari
ngpracti
cal
knowl
edgewit
htheor
eti
cali
nvol
vesidenti
fi
cat
ionofweaknessi
n
thef
ir
m act
ivi
ti
esandmaki
ngrecommendati
onsforsol
vi
ngt heweaknessi
denti
fi
ed.

Throughall
depar t
mentsandsecti
onsaretr
iedtocov
erinwhichIgott
hechanceto
gatherpr
actical
experi
encefort
heinter
nshi
p;iti
snotpossi
bletogotothedept
hof
eachacti
vit
iesoffir
m;becauseofti
melimit
ati
on.

However,
hi
ghestef
for
thasbeengi
vent
oachi
evet
heobj
ect
ivesoft
hei
nter
nshi
p
pr
ogram.

41
 BI
BLI
OGRAPHY

SUVI
DHANGO;
Agr
icul
tur
alFi
rm.

MAGAZI
NES:

 RKMEDI
AANDCOMMUNI
CATI
ON;
AGRIMECH

NEWSPAPER;

 Economi
cti
mes

 Ti
mesofI
ndi
a

WEBSI
TE:

 www.
googl
e.com

 ht
tps;
//agr
imech.
net

42
 APPENDEX

QUESTI
ONNAI
R
NAME:
……………………………….….
. AGE:
…….
..

GENDER……………………………………. OCCUPATI
ON…………………………

Pl
easespar
eaf
ewmi
nut
esofy
ourv
aluabl
eti
met
oanswert
hissi
mpl
equest
ionnai
re.

Q1.Doy
ouev
ert
akenal
oan?

b)Yes b)No

Q.
2.Whydoy
ouneedt
otakenal
oan.

a)
Pur
chaseseeds,
fer
ti
li
zer
sandi
mpl
ement

b)Dev
elopmentofl
and

c)Mar
ri
ageandot
hercel
ebr
ati
on

d)Ot
herr
eason

Q.
3.I
fyes,
From Whi
chsour
ce,
doy
out
akeanl
oan.

a)Banks b)
Fri
endsandr
elat
ives

C)Moneyl
ender
s d)Ot
hersour
ce

Q4.
.Doy
ouknowaboutagr
icul
tur
eloanscheme?

b)Yes b)No

Q6.I
fyes,
i
nwhi
chf
inanci
alschemeshel
p’
s,y
out
akeanl
oan?

43
 a)Schemef
orf
inanci
ngf
armer
sfort
hepur
poseofl
and

b)SBTki
sangol
dcar
dscheme

c)Ki
sancr
edi
tcar
dscheme

Q7.Ifyes,
whatmet
hoddoest
heNGOuset
omakey
ouawar
eforagr
icul
tur
efi
nanci
al
scheme?

a)
Organi
zet
hewor
kshop b)t
rai
ningcamp

c)
Banner
sandnukkadnat
ak

Q7.Doy
ouknowaboutSuv
idhaNGO?

b)Yes b)no

Q.
8.Doest
heNGOhel
pyout
akenAgr
icul
tur
all
oanf
rom banks.

a)Yes b)No

Q.
9.Fr
om whi
chbankdoest
heNGOhel
pint
akenal
oan.

a)SBI b)Uni
onBank

Q10.Whatdoy outhi
nkaboutSUVI
DHANGO.I
tisagoodandhel
pful
forawar
enessof
agr
icul
tur
eloan?.

a)
Good b)ni
ce

c)
aver
age

44
45