ANALYSIS AND INTERPRETATION OF DATA

Profile of the Respondents

4.1 Distributions of the Respondents by their gender
Gender classification is of paramount importance as women are participating on all
aspects of profession is line with men and hence this question is asked and the results are given
below;
Table:4.1 Gender wise classification
Particulars
Male
Female
Total
Source: Primary Data

Number of Respondents
108
42
150

Percentage
72
28
100

The table 4.1 shows that out of 150 respondents of unorganized retail business, 72% of the
respondents are male and 28% of the respondents are female unorganized retail business. The
majority 72%of the respondents are male involved in unorganized retail business.

84

4.2 Distributions of the Respondents by their Age

Age is one of the most important factor for human living and age also serves as a yard
stick to participate or discontinue any occupation or profession ,thus the question relating to the
age of the unorganized retail business respondents are gathered and the results are given in the
following table.
Table:4.2 Age wise classification
Particulars
Below 20 age
21 to 30 age
31 to 60 age
Total
Source: Primary Data

Number of Respondents
55
27
68
150

Percentage
37
18
45
100

The table 4.2 shows that, out of 150 respondents of unorganized retail business, 45%of
the respondents belong to the age group of 31to 60 years,37% of the respondents belong to the
age group of below 20 years,18% of the respondents belong to the age group of 21 to30 years. It
is clear from the table that majority of unorganized retail business belong to the age group of 31
to 60 years.

85

4.3 Distributions of the Respondents by their Education Status

Education is one of the most important factors that influence the society to a larger extent
and so the professions and hence and attempt is made to analyze the level of education of
respondents.
Table 4.3 Education wise classification
Particulars
No formal education
Primary school
SSLC/HSC
Diploma level or Degree
Post graduate level
Scholars
Total
Source: Primary Data

Number of Respondents
25
14
58
28
15
10
150

Percentage
17
9
39
19
10
6
100

The table 4.3 shows that ,out of 150 respondents of unorganized retail business ,39% of the
respondents

studied SSLC/HSC ,19% of the respondents studied Diploma level

or

Degree,17%of the respondents studied no formal education,10% of the respondents studied post
graduate level,9% of the respondents studied primary school level and 6% of the respondents
studied scholars. The majority 39 per cent of the total respondents studied SSLC/HSC.

4.4 Distributions of the Respondents by their Nativity

86

People all over the world have been divided into three distinct groups by the marked
line of difference as urban, semi-urban and a rural living .Thus the question relating to the area
of living of the unorganized retail business are gathered and given in the following table.
Table4.4 Area of living
Particulars
Urban
Semi-urban
Rural
Total
Source: Primary Data

Number of Respondents
83
40
27
150

Percentage
55
27
18
100

The table 4.4 shows that, out of 150 respondents of unorganized retail business ,55% of the
respondents are living in urban area,27% of the respondents living in semi-urban area,18% of the
respondents are living in rural area. The majority55% of the respondents are living in urban
area.

87

4.5 Distributions of the Respondents by their Marital Status

The social set up in India makes a basis for the analysis of the marital status of the retailer
.Thus the question relating to the marital status of the retailer is gathered and the results are given
in the following table.
Table 4.5 Marital status
Particulars
Married
Unmarried
Widow
Total
Source: Primary Data

Number of Respondents
123
21
6
150

Percentage
82
14
4
100

The table 4.5 views that, the marital status of the 150 respondents of the unorganized
retail business, 82 per cent are married,14 per cent of the respondents are unmarried and 4 per
cent of the respondents widow. The majority of the 82 percent of the respondent for the married.

88

4.6 Distributions of the Respondents by their Family Type

Nature of family is plays a vital role in increasing the unorganized retail business
.Thus the question relating to the nature of family of the collected the information.
Table4.6 Nature of family
Particulars
Nuclear
Joint
Total
Source: Primary Data

Number of Respondents
83
67
150

Percentage
55
45
100

The table 4.6 shows that, out of 150 respondents of unorganized retail business.55 per
cent of the respondents belong to nuclear family and 45 per cent of the respondents joint
family. The majority of the 55 per cent of the respondents nuclear family.

89

4.7Distributions of the Respondents by their Family monthly income

Table 4.7 monthly incomes
Particulars
Below Rs.5,000
Rs.5,000 to Rs.10,000
Rs.10,000 to Rs.25,000
Rs.25,000 to Rs.50,000
Above Rs.50,000
Total
Source: Primary Data

Number of Respondents
18
25
67
54
16
150

Percentage
12
15
40
29
04
100

The table 4.7 shows that, out of 150 respondents of unorganized retail business ,40 per cent of
the respondents are earning Rs.10,000 to Rs.25,000 per month,29 per cent of the respondents
are earning Rs.25,000 to Rs.50,000 per month,15 per cent of the respondents are earning
Rs.5,000 to Rs.10,000 per month,12 per cent of the respondents are earning below Rs.5,000 per
month,4 percent respondents are earning above Rs.50,000 per month. The majority of the
unorganized retail business is earning Rs.10,000 to Rs.25,000 per month.

90

4.8 Distributions of the Respondents by their Family Number of depends

Number of depends are of vital importance for the study because ,it has impact over the
economic aspect of unorganized retail business . Therefore this question relating to the family
members depending

on the

unorganized retail business are gathered and the results are

substituted in the following table .

Table 4.8 Number of depends
Particulars
Below 3 members
3 to5 members
5 to 8 members
Above8 members
Total
Source: Primary Data

Number of Respondents
60
40
35
15
150

Percentage
40
27
23
10
100

The table 4.8 illustrates the number of depends .In case of 150 respondents unorganized
retail business , 40 per cent are having family below 3 members ,27 per cent are having 3-5
family members,23 per cent are having 5-8 family members and 10 per cent are having above 8
family members,The majority of the family members unorganized retail business 40 percent of
the below 3 members.

91

4.9 Distributions of the Respondents by their Nature of organization

Table 4.9 Nature of organization
Particulars
Joint stock company
Partnership
Sole proprietorship
Total
Source: Primary Data

Number of Respondents
68
55
27
150

Percentage
45
37
18
100

The table 4.9 shows that ,out of 150 respondents of unorganized retail business,45
percent of the respondents are unorganized retail business in joint stock company,37 per cent of
the respondents are partnership and 18 per cent of the respondents are sole proprietorship .The
majority 45%of the respondents are unorganized retail business in joint stock company.

92

Table 4.10 Distributions of the Respondents by their Number of person employed

from out side.
Particulars
Nobody
Only one
2to3 persons
3to5 persons
Above 5 persons
Total
Source: Primary Data

Number of Respondents
27
69
40
08
06
150

Percentage
18
46
27
5
4
100

The table 4.10 shows that ,out of 150 respondents of unorganized retail business, 46 per
cent of the respondents are employed from out side,27 per cent of the respondents are working
from out side ,18 per cent of the respondents working from outside the organization,5 per cent
respondents and 4 per cent of the respondents working from the outside. The majority of the
unorganized retail business 46 percent of the respondents working from outside.

93

Table 4.11 Distributions of the Respondents Experience filed of the unorganized retail
business.
Particulars
1 to 4 years
4 to 6 years
6 to 10 years
10 to 15 years
Above 15 years
Total
Source: primary Data

Number of Respondents
20
25
30
35
40
150

Percentage
13
17
20
23
27
100

The table 4.11 shows that out of 150 respondents of unorganized retail business,27 per
cent of the respondents are unorganized retail business more than 15 years,23 per cent of the
respondents are un organized retail business 10 to 15 years,20 per cent of the respondents are
unorganized retail business 6 to 10 years,17 per cent of the respondents are unorganized retail
business 4 to 6 years,13 percent of the respondents are unorganized retail business 1 to 4 years.
The majority 27 % of the unorganized retail business more than 15 years experience.

94

Table 4.12 Distributions of the Respondents by their Working hours

Particulars
Less than 6 hours
6 to 12 hours
12 to 15 hours
More than 15 hours
Total
Source: primary Data

Number of Respondents
28
81
29
12
150

Percentage
19
54
20
7
100

The table 4.12 shows that out of 150 respondents of unorganized retail business,54 per
cent of the respondents are unorganized retail business working hour more than 15 hours,20 per
cent of the respondents are un organized retail business working hour12 to 15 hours,19 per cent
of the respondents are unorganized retail business working hour less than 6 hours ,7 per cent of
the respondents are unorganized retail business 4 to 6 years,13 percent of the respondents are
unorganized retail business working more than 15 hours. The majority 54 % of the unorganized
retail business more than 6 to 12 hours working for the respondents.

95

Table 4.13 Distributions of the Respondents by their unorganized retail business you own
Particulars
Grocery
Healthcare and Parts books
Fruits and vegetables
Beverages and footwear shops
Textiles
Electronic goods
Cosmetics
Total
Source: primary Data

Number of Respondents
63
14
20
08
12
10
23
150

Percentage
42
10
13
5
8
7
15
100

The table 4.13 shows that out of 150 respondents of unorganized retail business,42 per
cent of the respondents are grocery,15 per cent of the respondents are cosmetics,13 per cent of
the respondents are fruits and vegetables,10 per cent of the respondents are healthcare and parts
books,8 per cent of the respondents are textiles,7 per cent of the respondents are electronic
goods and 5 per cent of the respondents beverages and foot wear shops. The majority of the
unorganized retail business 42 per cent of the respondents grocery.

96

Table 4.14 Distributions of the Respondents by their Initial investments

Particulars
Below Rs.10,000
Rs.10,000 to Rs.20,000
Rs,20,000 Rs.30,000
Rs.30,000 to Rs.40,000
Above Rs.40,000
Total
Source: primary Data

Number of Respondents
42
56
26
16
10
150

Percentage
28
37
17
11
7
100

The table 4.14 shows that out of 150 respondent of unorganized retail business, 37 per cent
of the respondents are initial investment Rs.10,000 to Rs 20,000, 28 per cent of the respondents
are initial investment below Rs.10,000,17 per cent of the respondents are initial investment
Rs.20,000 toRs.30,000 , 11 per cent of the respondents are initial investment Rs.30,000 to
Rs.40,000 and 7 per cent of the respondents initial investment above Rs.40,000.The majority of
the 37 per cent of the respondents unorganized retail business initial investment Rs.10,000 to
Rs.20,000.

97

Table 4.15 Distributions of the Respondents by their Source of investment

Particulars
Own capital
Borrowed
Total
Source: primary Data

Number of Respondents
56
94
150

Percentage
37
63
100

The table 4.15 shows that out of 150 respondents of unorganized retail business,63 per
cent of the respondents are sources borrowed fund,37 per cent of the respondents are sources
own capital. The majority of the unorganized retail business are sources of fund to borrowed
capital.

98

Table 4.16 Distributions of the Respondents by their Sources of borrowing fund

Particulars
Relatives
Friends
Commercial banks
Co-operative banks
Financial institutions
Money lenders
Total
Source: primary Data

Number of Respondents
08
05
52
49
20
16
150

Percentage
5
3
35
33
13
11
100

The table 4.16 shows that out of 150 respondents of unorganized retail business borrowed
fund 35 percent of the respondents are borrowed from commercial banks, and co-operative
banks 33 per cent,13 per cent respondents are borrowed funds from financial institutions, 11 per
cent of the respondents are borrowed fund from money lenders ,5 per cent of the respondents
are borrowed funds from relatives, 3 per cent of the respondents are borrowed funds from
friends. The majority of the 35 per cent respondents unorganized retail business borrowed
from commercial banks because this type of institutions immediate payable at loan.

99

Table 4.17 Distributions of the Respondents by their Size of the store

Particulars
Less than 200 sqft
200 sqft to 500 sqft
500 sqft to 1000 sqft
Above 1000 sqft
Total
Source: primary Data

Number of Respondents
42
54
24
30
150

Percentage
28
36
16
20
100

The table 4.17 shows that out of 150 respondents of unorganized retail business , 36 per
cent of the respondents are unorganized retail business size of the store 200 to 500 sqft, 28 per
cent of the respondents are unorganized retail business size of the store less than 200 sqft, 20
per cent of the respondents are unorganized retail business size of the store above 1000 sqft and
16 per cent of the respondents are unorganized retail business size of the store 500 to 1000
sqft.The majority 36 per cent of the respondents were the store lay out size 200 to 500 sqft.

100

Table 4.18 Distributions of the Respondents by their size of the godown area
Particulars
Less than 100 sqft
100 to 200 sqft
200 to 300 sqft
Above 500 sqft
Total
Source: primary Data

Number of Respondents
48
39
58
05
150

Percentage
32
26
39
3
100

The table 4.16 shows that out of 150 respondents of unorganized retail business,39 per cent
of the respondents are unorganized retail business size of the godown area 200 to 300 sqft, 32
per cent of the respondents are unorganized retail business size of the godown area less than 100
sqft, 26 per cent of the respondents are unorganized retail business size of the godown area
100 to 200 sqft and 3 per cent of the respondents re unorganized retail business size of the
godown area above 500 sqft.The majority 39 per cent of the respondents were the lay out of
godown area 200 to 300 sqft of the unorganized retail business.

101

Table 4.19 Distributions of the Respondents by their generally visit your shop ever day
Particulars
Below 50 members
50 to 100 members
100 to 150 members
150 to 300 members
Above 300 members
Total
Source: primary Data

Number of Respondents
32
60
30
20
08
150

Percentage
21
41
20
13
5
100

The table 4.19 shows that out of 150 respondents of unorganized retail business,41 per cent of
the respondents visited for the shop an purchases, 21 percent of the respondents below 50
members visited your shop every day, 20 per cent of the respondents every day shop to
purchases, 13 per cent of the respondents visited the shop and 5 per cent of the respondents
visited to shop above 300 members. The majority
unorganized retail business to the shop.

102

41% of the respondents visited to the

Table 4.20 Distributions of the Respondents by their Scope for business

Particulars
Family support
Security of job
Financial security
Business expansion
Total
Source: primary Data

Number of Respondents
82
30
22
16
150

Percentage
55
20
15
10
100

The table 4.20 shows that out of 150 respondents of unorganized retail business, 55 per
cent of the respondents are family support of the business, 20 per cent of the respondents are
security of job, 15 per cent of the respondents are financial security, 10 per cent of the
respondents are business expansion. The majority 55 per cent of the respondents unorganized
retail business to the family support.

103

Table 4.21 Distributions of the Respondents by their Monthly Turn over unorganized
retail business
Particulars
Less than Rs. 6,000
Rs. 6,000 to Rs.7,000
Rs.7,000 to Rs.8,000
Rs.8,000 to Rs. 9,000
Above Rs.9,000
Total
Source: primary Data

Number of Respondents
22
15
29
35
49
150

Percentage
15
10
19
23
33
100

The table 4.20 shows that out of 150 respondents of unorganized retail business,

33 per

cent of the respondents are unorganized retail business monthly turnover above 9,000, 23 per
cent of the respondents are unorganized retail business monthly turnover Rs. 8,000 to Rs. 9,000,
19 per cent of the respondents are unorganized retail business

monthly turnover Rs.7,000 to

Rs.8,000, 10 per cent of the respondents are unorganized retail business monthly turnover
Rs.6,000 to Rs. 7,000 and 15 per cent of the respondents are unorganized retail business
monthly turnover less than Rs.6,000. The majority of the unorganized retail business monthly
turnover above Rs.9, 000 because of the retail business monthly turnover.

104

Table 4.22 Distributions of the Respondents by their Business strategy following of

unorganized retailer.
Unorganized retail business strategy plays a vital role in the development of an
individual. To increase ones business strategy few sources are behind them. The following table
4.22 describes the sources of business to do income generating activities. The sources of business
strategy are ranked by garret mean score.
Business strategy following of unorganized retailer
Business strategy

Ranking And Number of Respondents

I
Quality of product
reduce the price level
customer relationship
infrastructure facilities
offer and gifts
variety choice of quality
door delivery
clean shop

II

III

IV

VI

VII

VIII

Total

22

15

19

22

22

17

19

14

150

25

21

35

11

22

21

150

21

20

35

10

12

25

20

150

19

15

23

15

36

21

14

150

18

20

21

23

31

12

16

150

29

21

15

11

22

19

24

150

10

39

23

10

21

20

18

150

25

23

11

25

19

15

23

150

Source: Primary Data

105

Business strategy following of unorganized retailer

GARRETT RANKING ANALYSIS
S.NO

Business strategy

GARRETT

RANK

MEAN
SCORE
1

Quality of product

IV
41.835

reduce the price level

customer relationship

infrastructure facilities

III
44.255
VIII
35.78
I
63.93

offer and gifts

V
40.025

variety choice of quality

VI
39.765

door delivery

II
49.965

clean shop

VII
38.485

Source: Primary Data

The garret mean score 63.93 for infrastructure facilities ranked first. The garret mean
score 49.965 for door delivery ranked second. The garret mean score 44.255 for reduce the price
level ranked third. The garret mean score 41.835 for quality of product ranked fourth. The garret
mean score 40.025 for offer and gifts ranked fifth. The garret mean score39.765 for variety
choice of quality ranked sixth. The garret mean score 38.485 for clean shop ranked seventh. The
garret mean score 35.78 for customer relationship ranked eighth.

106

ANOVA
Table 4.23 Nativity and government policies for the awareness.
The born and brought up situation of the human will influence the character and
attitude of the same man. This table tries to explore whether the nativity play any role in the
awareness of the Government policies.
H0: There is no significant different between the awareness of government policies and the
nativity of the unorganized retailers.
ANOVA
Sum of

Df

Mean Square

Sig.

134.112

67.056

37.250

<0.01

433.839
567.951

241
243

1.800

9.324

4.662

4.846

.009

231.836
241.160

241
243

.962

27.805

13.903

11.797

<0.01

284.010
311.816

241
243

1.178

86.090

43.045

27.692

<0.01

374.611
460.701

241
243

1.554

79.327

39.664

21.617

<0.01

442.193
521.520

241
243

1.835

75.275

37.637

21.792

<0.01

416.246

241

1.727

Squares
Between
providing suitable
accommodation

Groups
Within Groups
Total
Between

Groups
providing liberal finance
Within Groups
Total
Between
providing training
Groups
facilities
Within Groups
Total
Between
providing legsal
Groups
production
Within Groups
Total
Between
making familiar with
Groups
Govt., scheme
Within Groups
Total
opening the malls
Between
Groups
Within Groups

107

Total
Between
providing social welfare
scheme

providing loan facilities

Groups
Within Groups
Total
Between
Groups
Within Groups
Total

491.520

243

269.922

134.961

188.061
457.984

241
243

.780

69.547

34.774

525.973
595.520

241
243

2.182

172.952

<0.01

15.933

<0.01

Since the P value is less than 0.05, the null hypothesis is rejected at 5% significant level. Hence
there is a significant difference between the awareness of government policies and the nativity of
the unorganized retailers.

108

Table4.24 Age and government program and policy

Age is one of the most important factor for human living and age also serves as a yard
stick to participate or discontinue any occupation or profession, thus the question relating to the
age of the unorganized retail business
H0: There is no significant different between the awareness of government policies and the age
of the unorganized retailers.

Between
providing suitable
accommodation

providing liberal finance

providing training
facilities
providing legal
production
making familiar with
Govt., scheme

opening the malls

ANOVA
Sum of
Squares

Df

Mean Square

Sig.

8.825

<0.01

3.753

.025

130.206

<0.01

66.235

<0.01

2.843

.060

32.559

<0.01

Groups
Within Groups
Total
Between

36.813

18.406

646.555
683.367

310
312

2.086

Groups
Within Groups
Total
Between

6.108

3.054

252.300
258.409

310
312

.814

Groups
Within Groups
Total
Between

155.256

77.628

184.821
340.077

310
312

.596

149.857

74.928

350.686
500.543

310
312

1.131

11.702

5.851

637.965
649.668

310
312

2.058

102.718

51.359

489.001
591.719

310
312

1.577

Groups
Within Groups
Total
Between
Groups
Within Groups
Total
Between
Groups
Within Groups
Total

109

Between
providing social welfare
scheme

providing loan facilities

Groups
Within Groups
Total
Between
Groups
Within Groups
Total

27.548

13.774

483.346
510.895

310
312

1.559

71.968

35.984

595.751
667.719

310
312

1.922

8.834

<0.01

18.724

<0.01

Since the P value is less than 0.05, the null hypothesis is rejected at 5% significant level. Hence
there is a significant difference between the awareness of government policies and the age of the
unorganized retailers.

110

Table 4.25 Education and government program me and policy

Education is one of the most important factors

that influence the society to a larger

extent and so the professions and hence and attempt is made to analyze the level of education of
respondents .
H0: There is no significant different between the awareness of government policies and the
education of the unorganized retailers.
ANOVA
Sum of

Df

Mean Square

Sig.

140.832

70.416

36.595

<0.01

513.765
654.596

267
269

1.924
46.677

<0.01

39.022

<0.01

28.298

<0.01

1.011

.365

24.684

<0.01

Squares
Between
providing suitable
accommodation

providing liberal finance

providing training
facilities
providing legal
production
making familiar with
Govt., scheme

opening the malls

Groups
Within Groups
Total
Between
Groups
Within Groups
Total
Between

61.166

30.583

174.941
236.107

267
269

.655

Groups
Within Groups
Total
Between

81.122

40.561

277.529
358.652

267
269

1.039

Groups
Within Groups
Total
Between

86.171

43.085

406.529
492.700

267
269

1.523

Groups
Within Groups
Total
Between

4.176

2.088

551.265
555.441

267
269

2.065

94.254

47.127

509.765
604.019

267
269

1.909

Groups
Within Groups
Total

111

Between
providing social welfare
scheme

providing loan facilities

Groups
Within Groups
Total
Between
Groups
Within Groups
Total

244.837

122.419

239.029
483.867

267
269

.895

113.792

56.896

487.471
601.263

267
269

1.826

136.744

<0.01

31.163

<0.01

Since the P value is less than 0.05, the null hypothesis is rejected at 5% significant level.
Hence there is a significant difference between the awareness of government policies and the
education of the unorganized retailers. Hence the significant of the hypothesis 0.05 accepted for
the making familiar with government schemes.

112

Table 4.25 Family income and government program me and policy

Family incomes are of vital for the study because, it has impact over the economic aspect
of unorganized retail business. Therefore this question relating to the family income on the
unorganized retail business is gathered and the results are substituted in the following tool. .

H0: There is no significant different between the awareness of government policies and the family
income of the unorganized retailers.
ANOVA
Sum of

Df

Mean Square

Sig.

348.650

116.217

108.766

<0.01

504.333
852.983

472
475

1.069

141.162

47.054

89.076

<0.01

249.333
390.496

472
475

.528

21.300

7.100

4.618

.003

725.667
746.966

472
475

1.537

130.785

43.595

20.291

<0.01

1014.089
1144.874

472
475

2.148

646.490

215.497

223.997

<0.01

454.089
1100.580

472
475

.962

866.552

288.851

763.083

<0.01

178.667
1045.218

472
475

.379

Squares
Between
providing suitable
accommodation

Groups
Within Groups
Total
Between

Groups
providing liberal finance
Within Groups
Total
Between
providing training
Groups
facilities
Within Groups
Total
Between
providing legal
Groups
production
Within Groups
Total
Between
making familiar with
Groups
Govt., scheme
Within Groups
Total
Between
opening the malls

Groups
Within Groups
Total

113

Between
providing social welfare
Groups
scheme
Within Groups
Total
Between
providing loan facilities

Groups
Within Groups
Total

91.443

30.481

805.667
897.109

472
475

1.707

269.642

89.881

930.089
1199.731

472
475

1.971

17.857

<0.01

45.612

<0.01

Since the P value is less than 0.05, the null hypothesis is rejected at 5% significant level. Hence
there is a significant difference between the awareness of government policies and the education
of the unorganized retailers.

114

Table 4.26 Form of organization and government program me and policy

Form of organization is one of the most important factors that influence the society to
a larger extent and so the professions and hence and attempt is made to analyze the level of joint
stock company, partnership and sole proprietorship of respondents.
H0: There is no significant different between the awareness of government policies and the
form of the unorganized retailers
ANOVA
Sum of

Df

Mean Square

Sig.

248.500

82.833

132.429

<0.01

159.500
408<0.01

255
258

.625

113.658

37.886

112.994

<0.01

85.500
199.158

255
258

.335

62.605

20.868

16.876

<0.01

315.333
377.938

255
258

1.237

228.779

76.260

60.950

<0.01

319.051
547.830

255
258

1.251

235.770

78.590

92.615

<0.01

216.384
452.154

255
258

.849

434.267

144.756

330.069

<0.01

111.833
546.100
52.154

255
258
3

.439
13.273

<0.01

Squares
Between
providing suitable
accommodation

Groups
Within Groups
Total
Between

Groups
providing liberal finance
Within Groups
Total
Between
providing training
Groups
facilities
Within Groups
Total
Between
providing legal
Groups
production
Within Groups
Total
Between
making familiar with
Groups
Govt., scheme
Within Groups
Total
Between
Groups
Within Groups
Total
providing social welfare
Between
opening the malls

scheme

Groups

115

17.385

Within Groups
Total
Between
providing loan facilities

Groups
Within Groups
Total

334<0.01
386.154

255
258

1.310

99.801

33.267

356.384
456.185

255
258

1.398

23.803

Since the P value is less than 0.05, the null hypothesis is rejected at 5% significant level. Hence
there is a significant difference between the awareness of government policies and the form of
the unorganized retailers.

116

<0.01

Table 4.27 Experience of organization and government program me and polices.

People all over the world have been divided into three distinct groups by the marked
line of difference

of the respondents. Thus the question relating to the area of living of the

unorganized retail business are gathered and given in the unorganization.

H0: There is no significant different between the awareness of government policies and the
experiences of the unorganized retailers
ANOVA
Sum of

Df

Mean Square

Sig.

168.016

56.005

27.748

<0.01

704.398
872.414

349
352

2.018
14.832

<0.01

35.725

<0.01

30.426

<0.01

36.063

<0.01

47.748

<0.01

Squares
Between
providing suitable
accommodation

providing liberal finance

providing training
facilities
providing legal
production
making familiar with
Govt., scheme

opening the malls

Groups
Within Groups
Total
Between
Groups
Within Groups
Total
Between

42.304

14.101

331.798
374.102

349
352

.951

Groups
Within Groups
Total
Between

105.809

35.270

344.554
450.363

349
352

.987

120.231

40.077

459.707
579.938

349
352

1.317

140.371

46.790

452.813
593.184

349
352

1.297

253.221

84.407

616.943
870.164

349
352

1.768

Groups
Within Groups
Total
Between
Groups
Within Groups
Total
Between
Groups
Within Groups
Total

117

Between
providing social welfare
scheme

providing loan facilities

Groups
Within Groups
Total
Between
Groups
Within Groups
Total

57.527

19.176

637.816
695.343

349
352

1.828

126.831

42.277

764.755
891.586

349
352

2.191

10.492

<0.01

19.293

<0.01

Since the P value is less than 0.05, the null hypothesis is rejected at 5% significant level. Hence
there is a significant difference between the awareness of government policies and the
experiences of the unorganized retailers.

118

Table 4.28 Size of the god own government program me and polices.
Size of the go down is plays a vital role in increasing

the unorganized retail business

.Thus the question relating to the size of the store collected the information..
H0: There is no significant different between the awareness of government policies and the size
of the store unorganized retail business.

ANOVA
Sum of

Df

Mean Square

Sig.

356.756

178.378

121.073

<0.01

515.658
872.414

350
352

1.473

225.565

112.782

265.751

<0.01

148.537
374.102

350
352

.424

14.221

7.111

5.706

.004

436.142
450.363

350
352

1.246

70.647

35.323

24.275

<0.01

509.291
579.938

350
352

1.455

61.760

30.880

20.338

<0.01

531.424
593.184

350
352

1.518

195.226

97.613

50.619

<0.01

674.938
870.164

350
352

1.928

Squares
Between
providing suitable
accommodation

Groups
Within Groups
Total
Between

Groups
providing liberal finance
Within Groups
Total
Between
providing training
Groups
facilities
Within Groups
Total
Between
providing legal
Groups
production
Within Groups
Total
Between
making familiar with
Groups
Govt., scheme
Within Groups
Total
Between
opening the malls

Groups
Within Groups
Total

119

Between
providing social welfare
scheme

providing loan facilities

Groups
Within Groups
Total
Between
Groups
Within Groups
Total

69.374

34.687

625.968
695.343

350
352

1.788

417.963

208.981

473.624
891.586

350
352

1.353

19.395

<0.01

154.434

<0.01

Since the P value is less than 0.05, the null hypothesis is rejected at 5% significant level. Hence
there is a significant difference between the awareness of government policies and size of the
store unorganized retail business.

120

Factor Analysis:
The component factor analysis is used to find the most influenced factors in this study.
The principle component analysis is used for extraction of factors with the eignvalue of 2. The
factors which are achieving the eignvalue 2 were extracted.

Table 4.29 Personal and finanicial challanges

There may be several personal and finanicial challenges. This factor analysis extract the
factors which are influencing the unorganized retail business for the working capital and creadit
payment for the high position.
Component Matrixa
Component
1
fixed capital level
Working Capital
creditors repayment
Govt., concessions
Interest rate
pledge in nationalized bank
Financial institution
health of body
excessive burdern of work and responsibility
lack of knowledge about competition
lack of knowledge about technology
lack of cooperation from family members
Lack of free time
excessive tensions and challenges
Extraction Method: Principal Component Analysis.
a. 2 components extracted.

2
.745
.881
.891
.587
.402
.614
.710
.740
.880
.762
.671
.753
.614
.569

-.561
-.133
.277
.737
.372
-.348
-.365
.237
-.089
.112
-.101
-.129
-.377
.692

Only two factors exceeded the eignvalue so these two factors are loaded in the rotation
of factors. Improve the standard of living and opportunity to know others are the two factors
which load more on factor one and motivation of neighbors load high on factor two. Thus

121

improve the working capital , credit payment know others and motivation of the neighbors are
the most influencing factors in the respective order.

122

Table 4.30 Social challenges and economic challenges problems

The main aim of this study is to analyze the economic challenges of the problem
unorganized retalier through the programs. The first empowerment, the researcher evolved is the
decision making empowerment and this table tries to explore the important decision making
empowerment gained by the unorganized retailer.
Component Matrixa
1
police and politetion interruptions

.883

central tax authorities and generl tax

.631

municipal authorities and local tax

technology and policies
inflation flexible price level
rent / realestate are very high
lack of infrastructure facilities
location environment
changes in price level
operational expences
reduce in staff
changes in sales
relationship with customers
iproved home delivery
increased number of brands
discontinued some product lines
Extraction Method: Principal Component Analysis.
a. 3 components extracted.

.451
.488
.512
.520
.615
.193
.916
.919
.867
.650
.613
.572
.273
.590

Component
2
-.247
.

3
.075
.027

.595
-.021
-.170
-.494
.249
.048
.548
-.110
-.059
.005
.164
-.359
.637
.788
-.665

.042
.554
.636
.499
.104
.395
.241
-.147
-.314
-.621
-.400
.130
-.383
-.393

Three factors were passing the eigenvalue of 2 in principal component analysis and those
three factors were loaded using the roation method of factor analysis. Consumption patterns and
personal matters are the two factors which loaded more in the first factor and it can be
considered as personal decisions. In the second rotation factor, the daily increase the number of
brands loaded more and it is a type of purchase decision. Routine purchase is the factor which
load more in the third rotation factor and it is also a type of purchasing decision. Thus the
123

important decision making empowerments are personal decisions and purchasing decisions
respectively.

124

Table 4.31Business challenges and marketing challenges problem.

The reasons for availing loan are rated by the unorganized retailer and the important
reasons are loaded using the factor analysis
Component Matrixa
Component
1

Competetion from unorganized retailors

.802
-.256
Competitions from organized retailers
.866
.093
Purchase of product from Suppilors
.861
.340
Availability of substandard product
.705
.094
Bargaining behavior of customers
.317
.521
promotional activity
.431
.621
distribution channel
.791
.289
wastage of goods and expired products
.326
.727
damage of package of products
.630
.225
absenteeism
.813
-.143
union / association activities
.846
-.285
Negative attitude of labour
.903
-.385
higher wages
.760
-.345
stabilize work
.521
-.590
Extraction Method: Principal Component Analysis.
a. 2 components extracted.
Two factors were passing the eigenvalue of 2 in principal component analysis and those two
factors are loaded using the roation method of factor analysis. Starting income generating
activities and repaying loan were loading more in the factor one than other factors. Hence the
first factor was considered as the economic factors. In the second factor the medical treatment is
the only factor which loaded more than the other factors so the second is considered as medical
treatment. Thus the economic factor is the first factor which influences the unorganized retailer
to avail the loan and they avail loan to meet out the expenses.s

125