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    DHARMAPURI - DISTRICTPROFILE

    General Profile

    Dharmapuri district was formed in 1965 by bifurcation of the erstwhile Salemdistrict into Salem and Dharmapuri . The district headquarters is Dharmapuritown, which is situated in the southern side of the district from where the northernboundry extends to over 125 kms. The district is situated in the northwesterncorner of the state bordering Andhra Pradesh and Karnataka. Total geographicalarea of the district is 9622 Sq. Kms. The district boundaries are:

    East : Vellore, Villupuram and Thiruvannamalai districts.West : Erode district and the state of Karnataka.North : Andhra Pradesh and Karnataka state.

    South: Salem district.The district lies between 1 147 & 1233 degrees of northern latitude and 7728and 7645 degrees of eastern longitude.

    Administrative Profile

    The district has been divided in to 3 revenue divisions and 10 taluks. The area hasbeen further divided as under for revenue administration.

    Administrative Profile

    TotalgeographicalArea : 9622

    Sq. Kms.

    RevenueDivisions -

    3

    Taluks - 10

    Municipalities3

    Blocks18

    TownPanchayats

    17

    VillagePanchayats

    588

    Revenue divisions and Blocks

    Name of Revenue

    Name of theTaluks Name of Blocks

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    Division

    1.Dharmapuri a.Dharmapuri i. Dharmapuriii.Nallampalli

    b.Harur i.Morappur

    ii.Harurc.Pappireddipatti i.Pappireddipatti

    d.Pennagaram i.Pennagaram

    2.Krishnagiri a.Krishnagiri i.Krishnagiriii.Barguriii.Kaveripattinamiv.Veppanapalli.

    b. Pochampalli i.Mathur

    c.Uthangarai ii.Uthangarai

    d.Palacode i.Karimangalamii.Palacode

    3.Hosur a.Hosur i. Hosurii. Shoolagiri

    b.Denkanikottai i.Thallyii.Kelamangalam

    Demographic Profile

    The district population as per census 2001 was 28.33 lakhs (provisional), whichconstituted 4.56 % of the state population. The district ranked 7th in the state interms of population size. Population density was 294. Male population constituted14.62 lakhs and female population 13.71 lakhs.

    Economic Profile

    Climate and rainfall

    The district has hot and dry summer during the months of March to May and verycold and misty winter from November to February. The temperature varies from

    17 Degrees centigrade to 37 Degree centigrade. Average annual rainfall is 850mm.

    There is a vide variation among the blocks in terms of temperature and rainfall.The climatic conditions varies because of the vide variation in the topography.While the northern & western taluks lie around 1000 metre above mean sea level,the southern and eastern parts consisting of Dharmapuri, Pennagaram, Palacode,Harur and Uthangarai taluks lie at 450 metre above mean sea level.

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    Of the three divisions, the Dharmapuri division consists of dry areas of Pennagaram and Harur. Even the Hogennakkal waterfall, which is situated in thispart of the district, does not aid agriculture. The Krishnagiri division comprisesfertile areas like Uthangarai, Kaveripattinam and Bargur blocks as it has a

    reservoir built across the Pennaiyar River.

    Soil type

    The district has a vide range of soil types. The soil, in general, is low in nitrogenand phosphate content.

    Red loamy soil is found in Hosur, Shoolagiri, Thally and Kelamangalam blocks.Lateritic and sandy coastal alluvium soils are found in almost all blocks. Black soil is seen in Dharmapuri and Krishnagiri taluks. Red & sandy soil is found inHosur and Harur taluks.

    Rivers & Canals

    Cauvery and Thenpennar are the major rivers flowing through the district. Vaniarand Markandanathi are the tributaries of Thenpennar. Krishnagiri dam, which isconstructed across Thenpennar, irrigates part of the area. River Cauvery is notbenefiting the district for irrigation. Due to topographical conditions thepossibility of constructing a dam across the Cauvery is remote. Chinnar, PalarThoppiar, Kallar, Varathiar and Pambar are minor rivers, which are almost dryduring most part of the year.

    Forests

    The district possesses 3.66 lakh hectares of land constituting 38 % of itsgeographical area under forest. The district possesses the highest forest cover interms of area, which accounts for 17.2 % of the forest in the state.

    Agriculture

    Agriculture is the principal occupation in this district. Nearly 74 % of theworkforce is dependant on agriculture, 43 % are cultivators and the rest 31 %agricultural labourers. The net sown area was 3.93 lakh hectares in 1999-2000 and

    the gross cropped area was 4.70 lakh hectares. The district is one among the mostbackward and drought prone area in the state.

    Paddy, ragi, pulses, groundnut, sugarcane, cotton, coconut and samai are themajor crop cultivated. Dharmapuri is the major horticultural belt in the state. Itaccounted for 12 % of the area under fruits in the state. Mango is the main fruitcrop grown here. Almost all vegetables and fruits are cultivated here.

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    Major agriculture / horticulture research centers & Laboratories of the districtsare:

    1. Divisional Agricultural Research Centre, Paiyur.

    2. Horticulture Research Centre, Thimmapuram.

    3. Hybrid coconut crossing Centre, Kaveripattinam.

    4. Hybrid coconut crossing Centre, P.K. Pudur.

    5. Hybrid coconut crossing Centre, Agasipadi.

    Industry

    The district is an industrially backward one. However, after the formation of theSIPCOT industrial Complex in Hosur a number of medium and large-scale unitswere started, most of them in and around Hosur. Presently 112 large-scale unitsare located in the district. Besides these, there were 10880 SSI units in the district

    as on 31.7.01. Huge granite reserves helped the growth of quarries and granitepolishing industry in the district. Similarly, the vast mango plantations helped thegrowth of pulp units also.

    Snap Shot - Industrial Scenario

    Existing Industrial Scenario Emerging Industrial Scenario Engineering Industry

    Plastic Industries

    Auto two wheeler

    Food Processing Industry

    Granite polishing

    Tissue culture.

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    Coir Products

    Cotton Textiles &Hosiery

    Readymade Garments

    Wood products

    Agro Based industries

    Granite polishing

    Paper products.

    Software & IT EnabledServices

    Electronic Industries

    Oleoresins

    Herbal Products

    Agro based industries

    Consumer durable

    Biotech Products

    Rubber & Plastic Industry

    Cold storage of Vegetables &Fruits

    Tourism

    Recreational & Entertainment

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    Auto Components

    Infrastructure

    The district possesses necessary infrastructure for industrial development. There isa sound banking network and transport facility connecting the district with majorcommercial and industrial centers. There is no major power-generating project inthis district, with the exception of minor cogeneration facility; hence it has todepend on the state grid for required power supply. Frequent power cuts andvoltage fluctuations affect industrial activity often.

    Important tourist places

    Hogennakkal Falls and Krishnagiri dam are the main tourist attractions of thedistrict. Theerthamalai temple is an important pilgrim center.

    Other places of interest

    1. Adhiaman Kottai

    2. Hosur Fort

    3. Krishnagiri Fort

    4. Thally Fort

    5. Vanniyar Dam

    Backward and Most-backward blocks.

    Most Backward Blocks in Dharmapuri District

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    1. Mathur

    2. Veppanapalli

    Backward Blocks in Dharmapuri District

    1. Uthangarai

    2. Kelamangalam

    3. Morappur

    4. Dharmapuri

    5. Nallampalli

    6. Karimangalam

    7. Krishnagiri

    8. Kaveripattinam

    9. Bargur

    10. Pennagaram

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    11. Shoolagiri

    Social Infrastructure

    Entrepreneurship

    In general, there is lack of entrepreneurial initiative among the local people except at Hosur andsome other pockets. The low literacy rate makes the people to concentrate more on agriculturethan industry. So, entrepreneurial talent is confined to very few places like Hosur, Dharmapuriand Krishnagiri towns. In the rest of the places people are engaged in cultivation and alliedactivities.

    The District Industries Centre, Dharmapuri takes efforts to impart entrepreneurship talent amongrural masses through Entrepreneur Development Programmes (EDPs) in various places, therebymotivating people to start their own ventures. Some of the training programmes are conductedexclusively for women candidates.

    Small Industries Service Institute, Chennai also conducts various Entrepreneur DevelopmentProgrammes in the district.

    The Rural Extension Training Centre functioning at Krishnagiri Dam also imparts skill amongthe youth in different trades.

    PMRY Scheme

    The PMRY scheme of the Government of India implemented through the DIC, Dharmapuri alsohelps, to some extent, in developing entrepreneurship among the people belonging toeconomically weaker sections by starting self-employment ventures with the financial assistance

    available under the scheme.

    Following table shows the number of enterprises started under the PMRY Scheme in the districtsince 1993-94.

    Performance under PMRY Scheme

    Year Average Target No of Cases No of cases %

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    amt.disbursed

    No of cases

    Sanctioned disbursed achievementover targets

    (Rs. Inthousand)

    No. Amount(Rs. InLakhs)

    No. Amount(Rs. InLakhs)

    1993-94

    56.20 160 91 60.74 70 39.34 43.75

    1994-95

    64.71 500 321 226.31 240 155.30 48.00

    1995-96

    57.48 700 463 289.85 287 164.96 41.00

    1996-97

    46.84 700 508 253.70 340 159.27 48.60

    1997-98

    47.96 610 428 189.58 342 164.04 56.10

    1998-99

    46.64 595 477 228.35 338 157.66 56.80

    1999-00

    61.39 480 509 302.59 465 285.48 96.90

    2000-01

    38.85 600 601 283.43 450 174.81 75.00

    Source : G.M., DIC, Dharmapuri.

    There has been a fluctuation in achievement under the PMRY Scheme both in the no. of cases aswell as amount financed. In terms of no. of cases, the achievement was far below the target inmany years. Moreover, the very low average amount disbursed for projects under the schememay make the units unviable in the long run.

    A sum of Rs. 102.49 lakhs has been earmarked during 2001-02 for the PMRY Schemes, underwhich any ventures like manufacturing, servicing or trading enterprises can be started.

    Swarnjayanthi Gram Swarozgar Yojana (SGSY)

    The Swarnjayanthi Gram Swarozgar Yojana (SGSY) Scheme intends to promoteentrepreneurship at rural level. It focuses on Group approach. The groups are called "Self HelpGroups". It is a credit cum subsidy scheme. Under the scheme the individual Swarozgaris(beneficiaries) will be given 30 % of the project cost subject to the maximum of Rs. 7,500 assubsidy and the remaining amount as loan. In case of SC/ST Groups 50 % of the project costsubject to the maximum of Rs.10,000 will be sanctioned as subsidy and the remaining amount asloan. For group of Swarozgaris the subsidy would be 50% of the cost of the scheme subject to aceiling of Rs. 1.25 lakhs. Initially the groups will be given revolving fund assistance of Rs.25000 in the form of cash credit facility and based on their performance they will be given

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    economic assistance. 157 Self Help groups were assisted during the year 2000-01 with a sum of Rs.338.57 lakhs as loan and Rs. 157.72 lakhs as subsidy under economic assistance programmebesides revolving fund assistance of Rs. 48.30 lakhs to 483 groups.

    Lending Institutions and availability of Finance

    Indian Bank is the Lead Bank in Dharmapuri district. The district has a sound banking net work.There are 203 branches including commercial and co-operative banks as on 31.3.2001. Theirbreak-up is given below:

    No. of Commercial bank branches includingregional rural banks

    :153

    No. of District Central & Cooperative Banks : 43Primary Land Development Bank : 5TIIC : 2

    The deposit mobilisation by the banking sector increased by 22.41 % in 1999-2000 and 20.64 %during 2000-01. Advances grown by 21.9 % in 1999-2000 and 18.89 % during 2001-02.However, the credit-deposit ratio had come down marginally from 113 % in 1998-99 to 112 % in1999-2000 to 111 % in 2000-01.

    Commercial Banks

    Few key indicators on the performance of the Commercial Banks in Dharmapuri district vis--visthe State are given below:

    Table No.4.9Commercial Bank Sector - few indicators in Dharmapuri

    (as on March 2000)

    Dharmapuri Tamilnadu *

    No. of Commercial bank branchesAggregate deposit (Rs. in crore)

    Aggregate advances (Rs. In crore)Credit deposit ratioDeposit per branch (Rs. in Crore)

    157657.68

    454.4369 %4.192.89

    473853195.63

    41561.4378 %11.238.77

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    Specialised SSI Branches

    There are two Specialised Small Scale Industry Bank Branches in Dharmapuri districtexclusively meant for financing SSI Units. They are:

    1.

    Central Bank of India, Hosur.

    2. Bank of Baroda, Hosur.

    Tamilnadu Industrial Investment Corporation (TIIC)

    The Tamilnadu Industrial Investment Corporation extends financial assistance to entrepreneursfor starting small-scale industries as well as for expansion of existing industrial units. There aretwo branches of TIIC in the district one at Dharmapuri and the other at Hosur.

    The following table shows the total advances extended by TIIC during the last few years:-

    Funds advanced by TIIC in Dharmapuri district

    Year Target (Rs.In lakhs)

    Actual Advances(Rs. In lakhs)

    % of Performance

    1998-99 1385.00 121.40 9%

    1999-00 1437.48 629.79 44%

    2000-01 (Upto

    Dec.2000

    190.36 295.91 155 %

    Source : Annual credit plan 2001-02, Indian Bank.

    The performance of TIIC in terms of amount advanced as shown in the above table does notshow a healthy trend.

    INTRODUCTION:

    Several women are now willing to become entrepreneurs due to pull factor and fushfactor.under the first catagories,the women entrepreneurs choose a profession as a challenge and anadventure with an urge to do something new,[like for]business and to have an independentoccupation.the other category,of women takes up business enterprises to get over financial difficultiesand responsibilities thrust due to family circumstances.

    Women entrepreneurship is very specialized field where success depends strictly on specialpersonal ability in management creativity,self-discipline,imagination,emotion l stability and objectivethinking.hence,women have to be motivated to join the national main stream of women

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    entrepreneurship by participating in this economic activity .it need not necessary be welfare-priented,but productivity-oriented for specific economic development.it can be stated that the entry of women to industry in the last decade coincides with the shift in economy,based on low technology tohigh technology,computers,laser optics,electronics on the latest communication technology introduceda sea-change in production technology where brain power rather than muscle power in needed for

    women entrepreneurship.probably the shift in the production technology with the consequent changein customer demands also paved the way for increased women entrepreneurship.

    TAMILNADU SMALL INDUSTRIES DEVELOPMENT CORPORATION LIMITED[TANSIDCO]:

    TANSIDCO Is a government of tamilnadu undertaking,was established in 1970 with the specificobjective of developing the small scale industries[SSIs] sector in tamilnadu.sidco has been implementingover the year a number of schemes for the promotion of small scale industries.purticularly with a viewto generate self employement to technocraft,educated [unemployed] youth and womenentrepreneurship.

    ESTABLISHMENT OF INDUSTRIAL ESTATES:

    On of the major activities of SIDCO is the establishment of industrial estates with infrastructuralfacilities like roads,storm water drains,street light,water supply,drainage etc..SIDCO develops plots andalso constructs factory sheds of various sizes of these industries estates and allots them on easyinstalment basis/out right sale basis.SIDCO has so for developed 43 industrial estates besides managing35 government industrial estates on agency terms.

    ENTREPRENEURIAL DEVELOPMENT:

    A comprehensive social-phychological study on the basic personality and environmental characteristicsof entrepreneurship by Collins,moor and unwell are found out the following results,

    Entrepreneurs are half or phaned both parents are dead or one is away from home for longperiods or the father is a social weak.

    Inadequate social mobility drives entrepreneurs put little stock getting agead.they do notstrive for position of authority and reward position with power and status.

    Punishing pursuit of task and chronic fatigue.they tend to push themselves to the point of fatigue.lack of problem solution.they seldom resolve the problem.

    They tend to categories subordinates at extremes of good or bad. their relation with their partners are strained by they have good relation with those outsidethe business.