The document outlines the syllabus for the Women Entrepreneurship course in the 2nd semester of B.Com at Smt. V G Degree College for Women. It discusses 5 units that make up the course: 1) Introduction to women entrepreneurship, 2) Opportunities and challenges faced by women entrepreneurs, 3) Role of financial institutions in supporting women's entrepreneurial activities, 4) Government schemes for promoting women entrepreneurship, and 5) Project identification and formulation. Unit 3 specifically focuses on the role of organizations like SIDBI, DIC, CEDOK, and RUDSETI in providing long and short-term financing to support women entrepreneurs. The overall goal of the course is to familiarize

1. B COM 2ND SEM
KSAWU SYLLABUS
WOMEN ENTREPRENEURSHIP
ROLE OF FINANCIAL INSTITUTIONS IN
SUPPORT OF WOMEN
ENTREPRENEURIAL ACTIVITIES
Smt. Uma Minajigi Reur
Head, Dept. of Commerce &
Management
Smt. V G Degree College for Women,
Kalaburagi

2. B.COM SYLLABUS SECOND SEMESTER
2.6: WOMEN ENTREPRENEURSHIP
Objectives: To acquaint students with the concepts of women entrepreneurship and to familiarize
the entrepreneurial development process. Pedagogy: Classroom lecture, Assignments and Field Visit.
Unit 1: Introduction: Concept, meaning and definition of Women entrepreneur and Women
entrepreneurship, Characteristics and Types of entrepreneurs, Functions of Women entrepreneur,
evolution of Women Entrepreneurship in India, Entrepreneurial skills and competency requirements
for women entrepreneur, Role of Women entrepreneurship in economic development. (15 Hours)
Unit 2: Opportunities and challenges faced by women entrepreneurs: Challenges faced by Women
entrepreneurs, Opportunities for an entrepreneurial career, measure to improve women
entrepreneurship, factors influencing the women entrepreneurship, entrepreneurial motivation
concept. (10 Hours)
Unit 3: Role of financial institution in support of women entrepreneurial activities: SIDBI, DIC, CEDOK,
RUDSETI, SFC, EDII, KVIC, (objectives and functions), Long term and Short term financing. Women
empowerment through Entrepreneurship Development Programmes. (15 Hours)
Unit 4: Government Schemes and Institutional support to Promote Women Entrepreneur: Trade
Related Entrepreneurship Assistance and Development (TREAD) scheme for Women, AWAKE,
NAYE, Mahila Coir Yojana, Mahila Udyam Nidhi, Stand-up India, Annapurna Scheme, Stree Shakti
Package For Women Entrepreneurs, Bharatiya Mahila Bank Business Loan, Dena Shakti Scheme,
Udyogini Scheme, Cent Kalyani Scheme, Mahila Udyam Nidhi Scheme, Mudra Yojana Scheme For
Women, Orient Mahila Vikas Yojana Scheme, etc. (20 Hours)
Unit 5: Project Identification and Formulation: Meaning of project, project identification, project
selection, project formulation: meaning, significance, contents, formulation steps, Planning
Commission’s Guidelines for formulating a Project report, Specimen of a project report. (10 Hours)

3. Unit 3:
Role of financial institutions in support of women
entrepreneurial activities:
1. Small Industries Development Bank of India (SIDBI)
2. District Industries Centre (DIC)
3. Centre for Entrepreneurship Development of Karnataka (CEDOK)
4. Rural Development and Self Employment Training Institute (RUDSETI)
5. State Financial Corporation (SFC)
6. Entrepreneurship Development Institute of India (EDII)
7. The Khadi and Village Industries Commission (KVIC)
8. Long term and short term financing.
9. Women Empowerment through Entrepreneurial Development Programmes.

4. SMALL INDUSTRIES DEVELOPMENT
BANK OF INDIA (SIDBI)

5. 1. Small Industries Development Bank of India (SIDBI)
Origin of SIDBI
In order to promote small scale industries in the country, a special Act was passed
in Parliament in April 1990 for starting of Small Industries Development Bank of
India. SIDBI is a wholly owned subsidiary of IDBI. It is providing assistance to
all those institutions which are promoting small scale industries.
Capital of SIDBI
SIDBI has an authorised capital of Rs. 1000 crores. The RBI has also allocated
INR 10,000 Crores to SIDBI for various venture capital activities and company
startups in 2015. The entire operations of IDBI connected with small scale
industries are now handed over to SIDBI.

8. The Government of India has launched several initiatives to promote the
growth of the MSME sector. One such initiative is the SIDBI (Small
Industries Development Bank of India).
The SIDBI acts as the primary financial institution in the country that is
responsible for the growth of the MSME sector – by offering financing
services. Besides offering finances to qualified MSMEs, it also focuses on
clean energy production. It helps MSMEs grow, acquire funds, market their
products and invest in R&D. The bank offers various loans that help
MSMEs meet their capital requirements.

9. Mission and Vision of SIDBI
Mission – SIDBI aims to facilitate and strengthen credit flow to
MSMEs. Besides offering financial assistance to MSMEs, SIDBI
also provides developmental support to the MSME eco-system.
Vision – SIDBI aims to emerge as the go-to institution for financing
support for MSMEs.

10. Objectives of SIDBI:
• To promote marketing of products of small scale sector.
• To upgrade technology and also undertaking modernization of
small scale units.
• To provide more financial assistance to small scale ancillary
and tiny sector.
• To encourage employment oriented industries.
• To coordinate all the other institutions involved in the
promotion of small scale industries.

11. Functions of SIDBI
Coordinating and financing the various institutions involved in the
development of small industries are undertaken by SIDBI.
lts functions are :
1. Refinance to SSI:
Refinancing loans and advances provided by commercial banks to small scale
industrial units. Different types of loans are given to small scale industries and
as per the recommendations of Nayak Committee, additional funds have been
given to commercial banks for promoting more borrowings of small scale
industries. In fact, there are commercial banks with separate branches meant
exclusively for small scale industries.
2. Discounting the bills of SSIs:
Apart from discounting the bills of small scale industries, even hurdles arising
out of financing small scale industries are being discounted. The bank credit
has gone up to Rs. 2,18,219 crores. The percentage of bank credit to SSI has
gone up to 17.5.
Refinance, is the process by which one loan is replaced
by another loan, in most cases with more favorable
terms. The new loan is used to pay off the original
loan.

12. 3. SIDBI offers assistance to exports:
Direct assistance to export oriented units and also to import
substituting units in the small scale sector is given the highest priority.
There has been a simplified procedure for the exports of small scale
industries. Products of SSI exporters are displayed in international
exhibitions with the help of SIDBI. Other export related expenditures
are borne by SIDBI. Latest packing standards and training
programmes on packing for exports are also financed by SIDBI. Trade
delegations and sales and study teams are sponsored for small scale
sector under Marketing Development Assistance scheme.

13. 4. Seed capital and also soft loan Assistance:
Seed capital is provided for starting of SSI units. Under this, the initial
expenditure in starting the small scale units are being met by SIDBI. In addition
to that, SIDBI, under this scheme, undertakes the following activities:
 Identification of potential entrepreneurs in the district.
 Providing training facility for these entrepreneurs.
 Linkage with banks for financial assistance
 Follow-up and monitoring the progress
Under soft loan, SIDBI provides long-term loan repayable in a period of 15 to
20 years with a very low rate of interest.
Seed capital is the money raised to begin developing an idea for a
business or a new product. This funding generally covers only the
costs of creating a proposal. After securing seed financing, startups
may approach venture capitalists to obtain additional financing.

14. 5. Non finance services:
Under this scheme, SIDBI undertakes with the help of other institutions
marketing survey and the potentialities of small scale industries in the
particular area. Wherever possible, it helps in the procurement of raw
materials.

15. 6. Factoring, Leasing and HP finance:
Factoring:
In factoring services, SIDBI finances 80% of the bills to the seller and after
obtaining the remaining 20% balance, it repays to the seller and for this service
it obtains a factoring commission.
Leasing:
After the increase in the fixed capital limit of Rs. 1 crore to SSI, there has been
increasing demand for leasing equipment. The small scale industries have
expanded their activities as lease finance institutions have enabled them to
obtain costly equipment which are otherwise, not possible within the purview
of small scale industries, In fact, this has helped them in modernizing their
industry.
HP finance:
Hire purchase financing has also helped small scale industries in acquiring
machinery of a higher value. In fact, certain machinery are even imported from
foreign countries on a deferred payment basis.

16. Leasing is the process by which a
firm can obtain the use of certain
fixed assets for which it must make a
series of contractual, periodic, tax-
deductible payments. A lease is a
contract that enables a lessee to
secure the use of the tangible
property for a specified period by
making payments to the owner.
A hire purchase (HP), also known as
an installment plan, is an
arrangement whereby a customer
agrees to a contract to acquire an
asset by paying an initial installment
(e.g., 40% of the total) and repays the
balance of the price of the asset plus
interest over a period of time.

17. 7. Assistance to other financial institutions:
In every State, State Finance Corporations have been promoted for
financing small scale industries. They are under the control of respective
state governments. At the national level, a separate corporation is promoted
for financing small scale industries called National Small Scale Industries
Corporation. This was started in 1995 to promote, aid and ensure faster
growth in small scale industries.
8. Automatic finance scheme:
Refinance facilities under automatic finance scheme is also provided which
was initially for Rs. 50 lakhs. Now with the increase in the capital limit of
small scale industries, this finance scheme has also increased its limit to
Rs. 2 crores.

18. 9. Modernization:
The technology development which has taken place in various industries
has also spread to small scale industries and to meet the requirements of
technology upgradation, a separate fund has been set up by SIDBI, through
which it provides Technology upgradation equipment finance.
10. Venture capital:
Venture capital fund for the promotion of new entrepreneurs has been set
up. For this purpose, IDBI, the holding company of SIDBI provides funds.
New ventures in different areas with high technical know how is
encouraged under the scheme. Though this scheme is in the initial stage,
this will promote more new small scale industries.
Start up companies with a potential to grow need a certain amount
of investment. Wealthy investors like to invest their capital in such
businesses with a long-term growth perspective. This capital is known
as venture capital and the investors are called venture capitalists.

19. 11. Single window scheme:
This scheme was introduced by SIDBI for providing finance to
commercial banks which in turn will give all kinds of assistance to small
scale industries. That is, from registration units to marketing of products
will be undertaken under this scheme.
The creation of SIDBI has certainly improved the growth of small scale
industries in the country. Apart from financing, banks have identified the
weak areas of small scale industries and have attempted to improve the
same. This will go a long way in not only strengthening SSI units but also
in the creation of employment opportunities in rural areas.

22. Small Industrial Development Bank of India (SIDBI):
The aim of SIDBI’s EDP is to build and nurture a reservoir of entrepreneurs. Such
EDP is conducted through the specialized agencies in Entrepreneurship
Development Institute of India, Institute of Entrepreneurship Development (IEDs),
Centre for Entrepreneurship Development (CEDs), Technical Consultancy
Organization (TCOs) and Non-Government Organizations (NGOs).
Management deficiency and a low level of skills and technology have been some
of the major weaknesses of small industries. SIDBI is constantly endeavouring to
address these problems by bringing reputed management and technical institutions
close to the small scale industries and arranging specially designed programmes
viz. Small Industries Management Assistants Programme (SIMAP) and skill cum
Technology Up-gradation Programme (STUP).10The objective of SIMAP is to
develop a cadre of industrial managers specifically trained to assist the SSI
entrepreneurs in their multiple responsibilities. STUP is structured to improve the
performance of the existing SSI units by developing/ strengthening managerial
skills and technical competence of the entrepreneurs and senior executives of the
small enterprises.

23. THANK YOU