A training Session in collaboration with Swayam Shikshan Prayog (SSP)
(01-03-2011 to 02-03-2011)
Day- 1: 10:00 am.
Discussion with Balasaheb, founder member of SSP. Looks after the Solapur Dist., and mainly with Arogya Sakhi during travel from Solapur to Naladurg:
- Pvt. Kohlapur Dairy Milk: Khadhar – Deshmukh – Rs. 27 to 32 per litre.
- Govt. Milk Federation: Dhoodh Pandari – Deshmukh Gaun.
- Pots with tap in black and red were sold. – Dr. MSS, Suggested
- Blacksmiths were found to be there in the Solapur.
- Sakhi – Arogya Sakhi – Health Scheme. – 30000 per year to cover –Cashless bases per group 5 members. – 7500per annaam – Oriental Insurance with Swastya India (NGO)- Settlements and client dealings. – 4 Years. First was as Arogya India. 8000 families benefited. 500 people have already taken benefit – 20,00,000 collection. 65,00,000 premium being collected. They do have a OPD, wherein this card is made available to make use. Only new patients needs to be there – usually old deasesa is not been dealt.
- NREGA – There is no clear information about where to go and benefit by the Scheme. Hence finally even those people have come to our Health Scheme. But we don’t cover major diseases like TB, Cancer and HIV-AIDS. They go to Dist. Hospitals.
- Today’s session – Importance of Marketing/survey. – SSP has to look at the things which could sell by its own and for that its recommended to have a kind of survey – PMA. By this you can contact both the sellers and manufacturers, by which you can have a mutual benefits and also you can club all your other Schemes/offers. By PMA you can get to which product/service to produce and sell and also on which to concentrate more.. SSP
- Our health Scheme we convey the schemes and ways of health, trained by HP KIT, charges 5 per beneficiaries.
- Mahila Vidya Parishet – 3 moths training on diseases and curing, first aid, etc. Swast India provides the tables/Medicines needed.
- No salary to the volunteers but there is a payment for each membership forms. Regading fro pregnant women still things are on and about to come out with some 6 diseases. Nothing with Diabeties and even BP. Swasthya India is the aiding and training Agent for the Arogya Sakhi Scheme. There is a huge demand to look after the diseases Diabetics which has 40 % of patients of the diseases.
- Sakhi Retail Pvt. Ltd. (SRPL)– Oorja, Solar Lamp, Cang Cang (Pharmacy), Powder for Increasing the milk yield, Purit, Godrej water filter, Mobile(Handset), Laptop, Mr. Upamanya Patil, CEO os Sakhi Retail decides on the materials to be sold under the SR. Yes, Products to be as per the demand from the buyers. Oorja sells more – 1050 per piece – pallet is moe of demand – its the No. 1 product, Rs.40per 5 KG that goes on for about 20 days, they mainly use fro heating the water and for cooking the food. Wood is available even on free basis, na dits the main key aspect of this. This of more demand in Rainy season.
- Poultry – No much in this area, may be due to Bird flu. – Presently they get it from nearby city.
- Nothing is aaible for testing the water, instead we have for testing the Age and Pregnancy.
- No present any Income fro the Swastya Sakhi, they are earned by forms only. They get nearly 2000 per month. Swasthya India is with a Kit, and deals with things to be dealt in the area. There are 3-4 people to look after the project, they have their own Pharmacy at every Dist places. 30% is for the project from the Doctors under the Scheme.
- About 3000 is being spent by each family on the health issues. About 100 is being charged by the Doctor for the consulting and rest is fro the medicine prescribed. This expense goes up in the months of Rainy Season – Managing with Water is the main source of all the disease.
Session on PMA @ Naladurg: 11:00am
- Profile: Here are some 20 entrepreneurs of about 7-8 years of experience. Textiles, Papad, Flowering, Leasing the land for farming,
- Introduced and Welcomed by the Flower and a welcoming song, by Mrs. Leela Tai – In presence of Lakshmikanth. Eatery Game is over and they enjoyed it, go it know how to divide the bigger quantity into micro quantum-micro sales.
- Sanjeevani Mali Tai – Khad Village – had 7 days MOVE training along with other 10 people., she felt a difference between the normal/traditional and after MOVE way of doing business – Dhai Business, she got to know what to do and how to change the business, got to know about pricing, packaging, and marketing, about the location about the stall, % profile, expenditure and earnings. It turned us to have accountability and to take the products to the known market. They do have a Organic Banana Selling.
- Kalpana – Vada Pav, Papad(Urd), - by training go to know about business regarding sourcing of the RM, and was able to join hands with the Men even in the task of Marketing/Selling.
- Nirmala – Neelegaon – About business, we
- Bhale roa – Khad Village – Vegitable Business (Methi, Beans, Peas, Groundnut, MoomaPhalli) – she started by having a land on lease by knowing the chance of converting into a manufacture – 8000 per 5 months (50% of sales from the production to the owner of the land and the rest to the entrepreneur). In the initially she had with the lesser amount and now she is able to grow 30-32 bags of Wheat kind of grains from about 2.5 Acres, - plans for adding about 3 Acres of more land into the project.
- Farzana – NalaDurg (Repeated Batch from Khad Village) – got know how to get to the contact of the market and about the pricing – how about installing the M/c, and other chances of going onto Value Enhancement, presently with Milking business – Rs. 20 per Litre. Bit ambitious to go for developing the business and mainly looking for the
- Madhubhai – Kirana Store (Self) – for the rest of the family members got started with other business like Tailoring, Computer, Cycle on rent
- DoulatBhi – Flower Mala – Garland making and Selling, for special and common occasions, in addition I have a buffalo as an alternative income source – she was guided by a scientist to startup a feed preparation work by which she can feed her own buffalo as well as she can even sell the same to other, this could become as one more chance of business.
- Ammenabhi – Papad – it runs for 8 months, for the rest 4months no work so has got a buffalo as an alternative. She has employed for 4 other women. She also things on the opportunity cost of leaving the forest/farming labour work and getting into the business. She plans for extending for the future.
- Lakshmikanth – (Story)- Raja in urgency comes and pickup the Horse with an information that, if turned left ear to it could fly early, and he did the same soon after knowing this. But he was left out with the rest information and did not know how to come down, this lead him into the trouble. This kind of imperfect learning and knowledge would leave anyone on the way without reaching the expected Destiny. Thus, it is suggested not to think more on the credit in the first instance than knowing a clear picture about the market and business knowledge/plan, credit is not the only factor.
Talk by Dr.MSS: I’m here to guide you for the development of your business, which we usually do for the bigger giants in the business sector. Main things to remember –
1. Find out the needs and wants of the customers – Customer Knowledge.
a. Find out the feasibility of the business and mind that there is no chance for loss, at least reach out the BEP.
b. If there is no customer there would be no existence of the business. Many a times, it happens that we forget the customer expending on various things during the different occasion like marriages, find out the kind of the marriage and find out the ways to match the nature and his/her need at that instance.
c. Try to customise your product as per the kind of the customer, also be clear in understanding the customer in the right way. – It is essential to understand the customer, and also be confirmed about the need of extra services to him/customer, and be confirmed about reaching the right customer and should not target the all the others who wouldn’t necessarily be your customer.
2. Be affirmed of profitability and accountability of the business. Learn to practice about getting the knowledge of profitability and any chances of fetching more out of your customer. Try to keep a track on each customer visiting you and don’t waste your resources on those who aren’t your customer.
3. Try to know the effects of each transactions being done with the customer and try to identify the chances of more profitability, also try to find out the best chances of reducing the cost (May be like health problem and losing other resources – added by Lakshmikanthji) and maximising the earnings (also think on the future aspects – added by Leelathai)
4. Have a knowledge of profitability compared to expenses on the business, keep a track on each steps and find out the most important (Critical) step by concentrating on which we would get the most profits out of it and which is the step contributing loss to our business and what’s the means by which we could get rid of it or by pass the step.
PMA – Questionnaire preparation:
1. Papad
2. Flowering
3. Dairy/Milking
4. Vegetable Selling
- Find out who our customer is, where he/she is from and where he/she stay. This will certainly reduce uncertainty and rescue you from getting into loss. This is even necessary for bigger companies too.
- PMA questionnaire is also a affordable for illiterates
o Know the buying behaviour of your customer
o Nature of purchase – quality and quantity
o Frequency of purchase
- Village map – get to know the % of customers going out of village for the purchases and to whom can we trap easily and convert them into be our potential customers
- Flowering as services for the customers – Decorating work
- Try to skim the cream from the customer if he is potential and ready/willing to pay.
- If you get to know your customer – then you can have better negotiation with him/her
- You can get a clues on value enhancement
- Make an estimation of about level of your potential business
- Decide o whether to go ahead with the business or not, affirmed with suitable profitability
- PMA to be extended to Sakhi Retail (SRPL).
- PRA and Village map represents the market conditions
- Mobile + Services – Recharge, Repair, and Replacements, can be further extended to DTH-Services, recharging and other billpayments
Session after Lunch break: 2:45 pm
Group – Flowering
- Why did you collect this data
o To know customers and associated details
- Why is the extremities in the prices
o Because of lowest and highest rates as per the may be seasonal
- Can you now mention the data of whole village (Sales)
o Women gave some approximate data as per her own estimations without any supporting data – this why there is need for a survey
- On coming out with huge data (about 4000 Households), Can someone start a new venture with the existing
o Women said, existing itself is doing well and Yes, others also can start
- Can a new entrant do business successfully
o Yes, depends on CRM and the way he/she does it.
Group – Dairy
- Kindly divide the households into 3-classes as may be like Rich, Medium and Poor
- Divide the demand/purchases on classwise
- Similarly try to estimate the demand for different types of milk products – milk, curd, butter, ghee, panner, etc..
- Then by comparing demand v/s supply decide on starting a new venture(S)
Group – Vegetable Selling
- What do you feel after (PMA-Sample survey) doing this
o Buying pattern of the customers and whether to do business or not
o Whether there is a chance to be a profitable business or not
Group – Papad
- How about dividing of the village as a whole
o Not yet done, but it differs from households to hotels
o May about 400 papads per day
Summarisation and conclusion:
- Come out with the reasons to start a business also, how and why you want to start
- After calculating demand for entire village, try to cater to at least 10% of it.
- Then come out with the strategies to double your sales if you have already begun some business
- If you are with the milk selling, you need to extend your business by at least 25% by diversifying your business like, milk to curd, ghee, panneer, etc.
- Calculate and compare about expenses and profits in your concerned business like flower selling
- Regarding Papad, estimate about how much we could sell to households and hotels
- Find out the reasons behind why does and doesn’t customer go to some specific sellers
- First think on your own business, later think on economies of scale
Additions by Leela Thai:
- Learning business is also like schooling, needs a continuous and in depth learning for successful business – many things are there to learn like, 4Ps, CRM, Quality concerns, etc.
Covered and closing of the session by Jayashree Thai.
Day 2: 9:30 am
Discussion with Rajesh, member of SSP. Looks after the Solapur Dist., and mainly with Microfinance, during travel from Solapur to Tulajapur:
- SSP looking for the inputs for entrepreneurs from Dr. MSS
- Willingness to pay and ability – essential for services (Especially Health) – need to buy them in affordable way.
- Accidental Entrepreneurs – this is the major part in the usual system – this has to be made them has to be well trained and successful
- (Profile/self introduced by Dr.MSS)
- MOVE – if anybody wants to setup an enterprise first know your market, not essentially skills part, and NGOs involved should be trained in this ways because they are main people involved in EDPs
- Identifying is the major issue to start any enterprise. By PMA they will be self understanding and self sustainable otherwise they would depend and NGOs to sell for them.
- Push entrepreneurs should be the real entrepreneurs - these are scared of uncertainness of market – fear of failure, uncertain future – Market and fear of failure of failure are both interrelated, rural people can’t come out with out of box think to facilitate the survival and here NGOs has to come for the need, - family based entrepreneurs were thus more market oriented due to more familiarising along with their bringing up. If you ignore the market the market will leave you. Changing of business is possible if you are well known/familiar with the market, finance wouldn’t be the problem to start, Banks also even looks for this kind of market assured proposals/plans. Right kind of motivation is essential to promote ED, specially they look for the security part, age is another aspect – so, young people has to be forced to be entrepreneurs. Women have many roles to play and right kind of support is essential towards this, she has a good amount of persistency and this has to be rightly made used. – you should also include the youth during the e-school, because later there would be someone to support and take ahead-like her son or daughter. Confirmation has to be done so that they would feel as a guaranteed job to be with, like doctor, teacher or so. – Entrepreneurs on role is the required Call on this, if not for a long time create or run for short term and sell it off to others – this also requires NGOs to support with some reserve funds – or else NGOs can make them to start, be with them and also during the selloff, like Holding your NGO ruled and Woman owned Enterprise, and let there be changing or ownership but ensure the running of the business, at least in terms of training pattern to the fresh or budding Entrepreneurs – similar like outsourcing/franchising.
- Intrapreneur – to – Extraprenure (Something like entrepreneurs turning to be good employee) – employees to setup an enterprise
- Many a times people with EDPs and PMA survey are most of leaving NGO and coming out of their Enterprises – Similar case happened during a training @ Mangalore, recalled Dr. MSS..
Meeting with SSP representatives @ Tulajapur: 10:30 am,
{Between Dr.MSS and Upamanyu with his team (Rajesh, Lakshmikanth and Leelathai), along with R B Hiremath and Vijayakumar}
SSP – has added a new product – Aqua Tab (Water purifier)
New project – 250 entrepreneurs as output – one year. – This would be the target of the e-schools, involves a project and Village fairs (3000 No.s – 50 vilages-50x60) for the women, later even we would fund them (10-20)
- leadership seminar (Rs.100 – 2000 target to filter it to 250), Motivation (2000 target) and entrepreneurship counselling (Rs.1000 – 600 for training {25x10 or 30x8} and 600 for counselling)
- intensive training is essential than the gaps.
- Trial and error things may lose the trainees (feedback and continuous following is essential)
- Ex. of Kolkata, was of one month, they were confirmed and guaranteed to set of business soon after business, trainer has got the crucial part in ending up with the support and starting the businesses, Hence intense training is must, @ Kolkata had started thing like Tiffin Dabbas and they did well by starting the same.
- If we get the existing entrepreneurs for the training, make her to have enhancement in her business.
- Training is essential for the councillors (10) at least for 2-3days, and these people have to be made associate from the beginning right from Village fair.
- Crucial thing is to have conversions from seminar to training – Rs. 100 to 2000.
- May be there is no need for going to follow the more prolonged process, instead direct enrolment for direct training would work out more effectively.
- Hence 1000 seminar to 250 training.
- First two processes, village fair and seminar should workout as trailers for the forth coming trainings in the future.
- Entrepreneurs are lonely, he has to be taught to lead himself without any others support.
- Counsellor can be linked with the No. of targets set and his remuneration can be linked with the performance of the businesses thus started because of him.
- Need to select the bigger villages to be safer side for ensuring the No.s.
- Women being selected should have at least a son to take for the future, so that with the help of extending some services to him also we can trap his mother – women.
- Schemes like education to the women as trainees!
- The sons of those women should be made included in the training.
- Hence Age(<35)>
- Training of Counsellors at least for two days is a must.
- Identify the 5-6 model kind of typical business for all the areas to help out for training and focusing of Counsellors.
- Counsellors should be bounded with the contracts for about a year.
- In normal case existing he is being paid 3000 per month, this can be added with business start-ups and value enhancement in the business
- Counsellors are looking after supporting towards holding a counsellors working and funding is a part of A&Z, we got it through Sahita (Mrs. Renuka)
- Entrepreneurs on role – employee completely responsible for starting and running a business, even can sell back the business entity. – This would safe guard them from the uncertainty and be ensured of a fixed monthly salary.
