A STUDY ON WOMEN EMPOWERMENT THROUGH MICRO INSTITUTIONS WITH A SPECIAL REFERENCE TO MADURAI DISTRICT 1.

Name of the respondent: __________________________________ 2. Place of the residence /village ______________________________ 3. Age group: 18 to 25 4. Literacy level: Illiterate Higher secondary 5. Marital status Married Unmarried Widow Divorce Primary school Graduate Post graduate Secondary Others 26 to 35 36 to 45

FINANCE

above 45

6. Total number of family members Less than 3 3 to 5 6 to 8 Above 8

7. Monthly family income in Rs: Below 4000 4001-6000 6001-8000 8001-10000

8. Type of business you are currently doing Agriculture Petty shop Tailoring Vegetable / fruit shop Beauty barlour

Animal Husbandry

Hand loom work

9. Where are your business/ unit located? In the house itself In another building attached to the house Rented building Others

No fixed place (mobile shop)

10. How long you do your business Less than 6 months 2 years 6 months to 1 year 1 year to 2 years Above

11. Did you undergo any training programs before you started your business? Yes 11. A. If yes, Tailoring No what is the training about? New products development programs Others

Marketing training programs

12. Who provided you the training programs? MFI- business development services company Government institutions others voluntary agency / NGO private

13. What are the challenges / problems that you face in income generating activities Lack of financial support Lack of training others Lack of space Lack of skilled employees Poor infrastructure

Lack of marketing support

14. What are the main sources of funds that you used to start your business? Own savings Financial support from friends Loan from the bank Loan from jewels others

Loan from group (MFI)

15. Currently loan procured (amount) -----------------Below 10000 10000 -15000 15000 20000 above 20000

16. What are the expenses incurred to you while getting loan Processing fee Documentation fees Transport cost Bribe Others

17. Are your group members repaying loan properly Yes No

17. A. If no, what are the reasons for the nonpayment of members?

Health problem unexpected expenses Others

High rate of interest Natural calamities Low sales Need to pay other earlier debts

18. Are you satisfied with the rate of interest of your loan? Highly satisfied dissatisfied Satisfied Moderate Dissatisfied Highly

19. Where are you saving currently? Domestic Business members lending for interest Relatives/neighbors/friends Post office/banks with group 19. A. Savings amount ------------------------------------------------------------by today Rs

20. What do you feel about maintaining savings account in your group? Easy withdraw money Rate of interest Future money requirement Security for money others

21. What is your opinion about savings rate of interest provided by promoter? Highly satisfied Highly dissatisfied 22. If you start a new business, what type of business? Selling of milk Toy making Fancy store others Pappad making Mineral water sales Satisfied Moderate Dissatisfied

23. Do you have plans to expand / modify your business / enterprise? Yes No

23. A. If yes, then what is the expansion plan? Diversify the range of products Expand your business unit / shop one others Increase the existing range of product Start a new business along with existing

24. To achieve your expansion plan what are the arrangement for the financial requirement Loan from jewels Loan from MFI Loan from bank relatives Own savings others Money from

25. Do you have any large unexpected expenses in your family and / or in business? Yes No

25. A. If yes, what was / where the cause of the unexpected expenses Sudden cause of the hospitalization due to accident Repair of house Loss in business Marriage expenses

Festival expenses

26. How did you cover the unexpected expenses? With drew money from savings Borrowed money from bank Insurances took a loan from group

Took money from relatives

Sold property / pledged valuables like gold 27. Do you send all your children between ages 5 to 14 years to school regularly? a) Yes b) no 27.A. If no then why Lack of money to support their education locality Lack of access to schools in their

Education is not important for my children instead they should support the family by earnings Daughter education is less important Others 28. After membership your children were able to attain good educational grades A) Yes B) No

29. Changes in your life after becoming a member Tick any one (1, 2, 3) which represents 1) Declined 2) No change 3) Improved 3 a) Decision in money matter b) Societal development d) Social behavior e) Changes of loan procurement f) Family income g) Family status h) Recognition in society i) Giving voice for individual rights j) Procurement of medical services k) Deciding in matters of childrens l) Deciding in matters of savings m) Deciding in matters of properties purchase 1 2

30. Economic details about before and after membership

S NO

ECONOMIC DETAILS OF MEMBERSHIP House 1)Size: small/medium/large

BEFORE MEMBERSHIP

AFTER MEMBERSHIP

2)Roof: thatch/tiles/cement sheet/concrete 3)Wall: red

clay/bamboo/rocks/bricks 4)Rooms:1/2/3/4 5)Rental/owned/traditional 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 Television new/old Telephone mobile/land line Bicycle new/old

Motor cycle new/old Jewels value Rs Tables/chairs Wall clock EB connection Electric fan Kitchen(separately) Owned cart bullocks Owned cows Drinking water common well/owned well/bore well Toilet separate/common/open Cooking fuel sticks/kerosene/coal/gas Ration card white/yellow/red/no