Vyavasaya Nadham June 2013 - KSSIA Kottayam
Vyavasaya Nadham June 2013 - KSSIA Kottayam
Vyavasaya Nadham June 2013 - KSSIA Kottayam
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hyhkmb\mZw<br />
tIcf kwÿm\ sNdp-InS hyh-kmb<br />
Atkm-kn-tb-j≥ Pn√m bqWn‰v, tIm´bw ˛-13<br />
t^m¨: 2567570<br />
hm¿jnI s]mXp-tbmK t\m´okv<br />
<strong>KSSIA</strong>/K/85/<strong>2013</strong> 25-06-<strong>2013</strong><br />
kplr-Øp-°sf<br />
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kn-tb-j\v tIm´bw Pn√m bqWn-‰ns‚ 37-˛mw hm¿jnI<br />
s]mXp-tbmKw Xmsg-]-d-bp∂ Imcy-]-cn-]mSn A\p-k-cn®v {]kn-U‚ v {io. Pbnwkv CΩm-\p-h-ens‚<br />
A≤y-£-X-bn¬ \S-Øp-hm≥ Xocp-am-\n-®n-cn-°p-∂p.<br />
ÿew: sI.-F-kv.-F-kv.-sF.-F. lmƒ, tImSn-a-X, tIm´bw<br />
(C≥U-kv{Sn-b¬ FtÉv tImSn-a-X, tIm´-bw. shÃv t]meokv tÃj\v kao]w)<br />
XobXn: 18-˛07-˛<strong>2013</strong> hymgw kabw 4.00 ]n.-Fw.<br />
Imcy-]-cn-]mSn<br />
♦ Cuiz-c-{]m¿∞\<br />
♦ kzmKXw<br />
♦ s]mXp-tbmK t\m´okv<br />
♦ A≤y£ {]kwKw<br />
♦ 36-˛-m-aXv hm¿jnI s]mXp-tbm-K-Øns‚ an\n-‰vkv ]m m-°p-I.<br />
♦ 2012-˛13 se hm¿jnI dnt∏m¿´v Ah-X-c-Ww ˛ hm¿jnI dnt∏m¿´n-s\-∏‰n N¿®<br />
♦ 2012-˛13 se hm¿jnI hchp Nnehp IW-°p-Iƒ ]m m-°pI<br />
♦ BUn-‰-dpsS \nba\w, {]Xn-^ew \n›-bn-°¬<br />
♦ {]ta-b-ßfpw tNmZy-ß-fpw<br />
♦ A≤y£≥ A\p-h-Zn-°p∂ CXc hnj-b-߃<br />
♦ hnZym-`ymk Ahm¿Uv hnX-cWw<br />
♦ kwÿm\ Atkm-kn-tb-j≥ {]h¿Ø\߃<br />
♦ IrX-⁄X<br />
F√m AwKßfpw IrXy-k-a-b-Øp-Xs∂ tbmK-Øn¬ kw_-‘n-°-W-sa∂v A`y¿∞n-°p-∂p.<br />
F∂v Pn√m IΩ-‰n-°p-th≠n<br />
_nt\mZv amXyp<br />
(sk{I-´dn)<br />
1. 2012 G{]n¬ 1 apX¬ <strong>2013</strong> am¿®v 31 hsc-bp≈ hm¿jnI dnt∏m¿´v CtXm-sSm∏w D≈-S°w sNbvXn-cn-°p-∂p.<br />
2. s]mXp-tbm-K-Øn¬ Ah-X-cn-∏n-t°≠ {]ta-b-ßfpw tNmZy-ßfpw <strong>2013</strong> Pqsse 11˛mw Xob-Xn-°p-≈n¬ Atkm-kn-tb-j≥<br />
Hm^o-kn¬ e`n-®n-cn-t°-≠-Xm-Wv.<br />
3. Fkv.-F-kv.-F¬.-kn, +2 Ahm¿Un\v ]cn-K-Wn-t°≠ Atkm-kn-tb-j≥ AwK-ß-fpsS a°-fpsS am¿°v enÃns‚ km£y-s∏-<br />
Sp-Ønb tIm∏n 11-˛07-˛<strong>2013</strong> Xob-Xn°v apºmbn Atkm-kn-tb-j≥ Hm^o-kn¬ e`n-®n-cn-t°-≠-Xm-Wv.<br />
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 3
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hyhkmb\mZw<br />
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kn-tb-j≥ (sI.-F-kv.-F-kv.-sF.-F)<br />
tIm´bw Pn√m bqWn‰v<br />
{]h¿Ø\ dnt∏m¿´v 2012-˛13<br />
kplr-Øp-°-sf,<br />
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kn-tb-j≥ tIm´bw bqWn-‰ns‚ 37˛maXv<br />
hm¿jnI s]mXp-tbm-K-Øn-te°v \nßsf Gh-tcbpw Rm≥ lm¿±-h-ambn kzmKXw<br />
sNøp∂p.<br />
sI.-F-kv.-F-kv.-sF.-F. tIm´bw Pn√m bqWn‰ns‚ 2012-˛<strong>2013</strong> se {]h¿Ø\ dnt∏m¿´v<br />
\nß-fpsS AwKo-Im-c-Øn\mbn ka¿∏n-°p-∂-Xn¬ Cu `c-W-k-an-Xnbv°v AXn-bmb<br />
kt¥m-j-ap≠v.<br />
Atkm-kn-tb-j≥ IW-°p-Iƒ HmUn‰v sNøp-∂-Xn-te°v 2012-˛<strong>2013</strong>se HmUn-‰-dmbn<br />
{io. Fw.-sI. Ipcp-hnf Nm¿t´¿Uv A°u-≠‚ns\ 36-˛-m-aXv hm¿jnI s]mXp-tbmKw<br />
\n›bn®p.<br />
`c-W-k-anXn<br />
2012˛<strong>2013</strong> {]h¿Ø\ h¿j-Øn¬ 12 Pn√m IΩn-‰n-<br />
Iƒ IqSp-Ibpw kwL-S\m {]h¿Ø-\-߃ Imcy-<br />
£-a-am-°p-∂-Xn-\p-th≠ I¿Ω-]-cn-]m-Sn-Iƒ Bkq-<br />
{XWw sNøp-I-bp-≠m-bn.<br />
Atkm-kn-tb-j\v Pn√m-X-e-Øn¬ {]mXn-<br />
\n[y-ap≈ {][m\ Kh. IΩ-‰n-Iƒ:<br />
1. Pn√m-Xe _mnwKv Ah-tem-I\ kanXn<br />
_mnwKv kw_-‘n® F√m Imcy-ßfpw aq∂v amk-<br />
Øn-sem-cn-°¬ Cu IΩ-‰n-IqSn hne-bn-cp-Øp-∂p.<br />
Ign kmº-Øn-I-h¿jw \mev ao‰nwKpIƒ \S-∂p.<br />
_mp-I-fpsS hnhn[ {]h¿Ø-\-߃ N¿® sNøp-<br />
Ibpw hmbv]m ]≤-Xn-Iƒ Bkq-{XWw sNøp-Ibpw<br />
sNøp∂ Cu tbmK-Øn¬ hnhn[ Bh-iy-߃<br />
Atkm-kn-tb-j≥ s]mXp-hmbn D∂-bn-®n-´p-≠v. Nneh<br />
\S-∏n-em-°p-hm≥ km[n®p NneXv _mns‚ ]cn-K-<br />
W-\-bn-epam-Wv.<br />
2. {Ko≥ Nm\¬ IΩn‰n<br />
hnhn[ ¢nb-d≥kp-Iƒ hyh-kmb bqWn-‰p-Iƒ°v<br />
\¬Ip-∂-Xn\v Cu IΩ‰n IqSn-bmWv Xocp-am\w FSp-<br />
°p-∂-Xv. Cu tbmK-ßfn¬ Atkm-kn-tb-j≥ AwKß-fm-b-h¿<br />
Dƒs∏-sS-bp-≈-h-cpsS hnj-b-߃ N¿®<br />
sNbvXp ]cn-l-cn-°p-hm≥ {ian-®n-´p-≠v.<br />
3. sshZypXn D]-t`m‡ D]-tZ-iI kanXn<br />
aq∂v amk-Øn-sem-cn-°¬ Cu IΩ-‰n-IqSn, sshZypXn<br />
kw_-‘-amb ]cm-Xn-Iƒ ]Tn®v ]cn-lmcw ImWp-<br />
∂-Xn-\p≈ \n¿t±-i-߃ cq]-s∏-Sp-Øp-∂p. Cu kan-<br />
Xn-bpsS ao‰nwKv aq∂v amk-Øn¬ Hcn-°¬ ]≈w<br />
U]yq´n No^v F©n-\o-b-dpsS Hm^o-kn¬ IqSn.<br />
tIm´bw Pn√-bnse sshZypXn {]iv\-߃ hne-bncpØn<br />
]cn-lm-c-am¿§-߃ ImWp-∂p.<br />
4. ssk‰v ske-£≥ IΩ‰n<br />
hyh-kmb tπm´p-Iƒ Is≠-Øm≥ {ian-°p-∂Xn\v<br />
Pn√m hyh-kmb tI{μsØ klm-bn-°p∂p. ao\-Sw,<br />
_nt\mZv amXyp<br />
sk{I-´dn<br />
InS-ßq¿, ISp-Øp-cpØn ]©m-b-Øp-I-fnse an\n<br />
hyh-kmb FtÃ-‰n-\p≈ ÿew Is≠-Øp-Ibpw<br />
Bb-Xn-\p≈ A\-¥c \S-]Sn Pn√m hyh-km-b-tI{μw<br />
hgn \S-Øp-Ibpw sNøp-∂p.<br />
5. Pn√m-Xe hyh-kmb hnI-k\ IΩ‰n<br />
sNdp-InS hyh-kmb bqWn-‰p-I-fpsS hnhn[ {]iv\-<br />
߃ ]Tn®v ]cn-lmc am¿§-߃ \n¿t±-in-°p-∂p.<br />
Pn√m If-IvS¿ A≤y-£-\m-bp≈ tbmK-Øn¬ kw_-<br />
‘n-°p-Ibpw Pn√-bnse hyh-kmb bqWn-‰p-Iƒ t\cn-<br />
Sp∂ hnhn[ hnj-b-߃ A[n-Ir-X-cpsS {i≤-bn¬s∏-<br />
Sp-Øp-Ibpw sNbvXp.<br />
6. hm‰v {Koh≥kv sk¬<br />
skbn¬kv SmIvkv kw_-‘n® ]cm-Xn-Iƒ F√m<br />
amkhpw c≠mw _p[-\m-gv® Ah-tem-I\w sNøp-∂p.<br />
Cu tbmK-Øn¬ s]mXp-hmb SmIvkv hnj-b-ßfpw<br />
e`y-amb ]cm-Xn-Ifpw A[n-Ir-X-cpsS {i≤-bn¬s∏-<br />
SpØn ]cn-lmcw I≠n-´p-≠v.<br />
8. ]©-h-’c ]≤Xn \b-cq-]o-I-cW IΩ‰n ]©h-’c<br />
]≤-Xn-bn¬ hyh-kmb hf¿® N¿®sNbvXp<br />
Xocp-am-\n-°p-∂p.<br />
9. Grevance Redressal Cell for Small Scale<br />
Entrepreneurs. ao‰nw-Kn¬ ]s-Sp-Øp.<br />
10. Pn√m-Xe D]-t`m‡y kwc-£W kanXn ao‰nw-KpIfn¬<br />
Pn√m. kwÿm-\-X-e-Ønepw ]s-Sp°p∂p.<br />
11. RBI bpsS t\Xr-Xz-Øn¬ Empowered Committee<br />
on MSME Credit ao‰nw-Kn¬ ]s-Sp-Øp.<br />
12. sk≥{S¬ FIvsskkv doPnbW¬ AssUzkdn<br />
IΩ-‰n-bn¬ Atkm-kn-tb-j\v AwKXzap≠v.<br />
Pn√m If-IvS¿, Pn√m hyh-km-b-tI{μw P\-d¬<br />
amt\P¿, skbn¬kv SmIvkv U]yq´n IΩo-j-W¿,<br />
_mv DtZym-K-ÿ¿, a‰v hnhn[ hIp-∏p-I-fnse Db¿∂<br />
DtZym-K-ÿ¿ F∂n-h-cpsS km∂n-≤y-Øn¬ \S-°p∂<br />
4 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM
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hyhkmb\mZw<br />
ta¬∏-d IΩ-‰n-Ifn¬ tIm´bw Pn√m {]kn-U‚ v,<br />
sk{I-´dn tkhy¿ tXmakv sImt≠mSn XpSßnbh¿<br />
Cu IΩ-‰n-I-fn¬ ]cn-K-Wn-t°-≠-Xn\v ChnsS e`n-<br />
°p∂ ]cm-Xn-Iƒ ]Tn®v bYm-k-abw {]kvXpX IΩ-<br />
‰n-I-fn¬ Ah-X-cn-∏n®v th≠ ]cn-lm-c-am¿§-߃<br />
sNdp-InS hyh-kmb bqWn-‰p-Iƒ°v Atkm-kn-tbj≥<br />
sNbvXp sImSp-°p-∂p-≠v. ta¬∏-d IΩ-‰n-<br />
Iƒ bYm-k-abw IqSp-∂-Xn-\m¬, \nß-fpsS ]cm-Xn-<br />
Iƒ Atkm-kn-tb-j≥ Hm^o-kn¬ IrXy-k-a-bØp<br />
Xs∂ FØn-®p-X-c-W-sa∂v A`y¿∞n-°p-∂p.<br />
s]mXp-hmb {]h¿Ø-\-ß-fpw hnhn[ tbmKßfpw<br />
Atkm-kn-tb-j≥ Pn√m IΩ‰n F√m amk-ß-fnepw<br />
tbmKw tN¿∂v AXmXv amksØ {]h¿Ø-\-߃<br />
hne-bn-cp-Øp-Ibpw `mhn {]h¿Ø-\-߃°p≈ \S]-<br />
Sn-Iƒ ssIs°m-≈p-Ibpw sNøp-∂p. Cu tbmK-߃<br />
F√mwXs∂ kPo-hhpw {Inbm-fl-I-hp-amb N¿®-Iƒ<br />
\S-Øp-∂-h-bm-Wv. IqSmsX F√m amkhpw \S-°p∂<br />
hnhn[ Kh. IΩ-‰n-I-fn¬ Atkm-kn-tb-js‚ {]Xn-<br />
\n-[n-Iƒ ]s-SpØv th≠ \S-]-Sn-{I-a-߃ sNøp-<br />
∂p-≠v. kwÿm\ Atkm-kn-tb-j≥ sk≥{S¬ IΩ-<br />
‰n-I-fn-epw, P\-d¬ Iu¨kn¬ tbmK-ß-fn-epw, `mchm-ln-Iƒ<br />
tIm´bw Pn√sb {]Xn-\n-[o-I-cn®v sNdp-<br />
InS hyh-km-bn-I-fpsS {]iv\-߃ N¿® sNøp-Ibpw<br />
]cn-lmcw ImWp-Ibpw sNøp-∂p. Ikv‰wkv<br />
sk≥{S¬ FIvssk-kns‚ doPn-\¬ AssUz-kdn<br />
ao‰nw-Kp-Iƒ. skan-\m-dp-Iƒ, eLptbm-K-߃ F∂nh-bn¬<br />
Atkm-kn-tb-j≥ {]Xn-\n-[n-Iƒ kw_-‘n®v<br />
\ΩpsS hnhn[ Bh-iy-߃ i‡-ambn D∂-bn-°phm\pw<br />
t\Sn-sb-Sp-°phm\pw {ian-®n-´p-≠v.<br />
hm¿jnI s]mXp-tbmKw<br />
Atkm-kn-tb-js‚ 36-˛mw hm¿jnI s]mXp-tbmKw<br />
18-˛7-˛2012 ¬ Pn√m {]kn-U‚ v tUm. ‰n.-kn. tPmk-<br />
^ns‚ A≤y-£-X-bn¬ IqSn. 35-˛mwaXv Pn√m-I-Ω-‰nbpsS<br />
an\n‰vkpw 2011-˛12 se hm¿jnI dnt∏m¿´pw hchp<br />
Nnehp IW-°p-Ifpw tbmKw AwKo-I-cn-®p. 2012-˛13se<br />
HmUn-‰-dmbn Fw.-sI. Ipcp-hnf Nm¿t´¿Uv A°u-<br />
≠‚ v Iºn-\sb tbmKw \nb-an-®p. NSIC Ltd Cochin<br />
tbmK-Øns‚ kvt]m¨k¿ Bbn-cp-∂p.<br />
Ce-£≥ 2012<br />
kwL-S-\-bpsS 2012-˛14 h¿j-sØ-°p≈ `c-W-k-an-<br />
Xnsb Xnc-s-Sp-°p∂-Xn-\v 2012 Pqsse amkw 28˛mw<br />
XobXn \S∂ Xnc-s-Sp-∏n¬ {]kn-U‚mbn {io.<br />
sPbnwkv CΩm-\p-h-epw, sshkv{]-kn-U‚mbn {io.<br />
sI. Zneo]v Ipamdpw 14 Pn√m-I-Ω‰n AwK-ßtfbpw<br />
34 P\-d¬ Iu¨kn¬ AwK-ß-tfbpw Xnc-s-<br />
SpØp. GXm≠v 750 AwK-߃ thms´-Sp-∏n\v FØnt®¿∂p.<br />
]pXnb `c-W-k-anXn 29-˛7-˛2012-˛¬ Npa-X-etb-‰p.<br />
H∂m-aXv \S∂ Pn√m-I-Ω-‰n-bn¬ sk{I-´-dn-bmbn<br />
{io. _nt\mZv amXyp-hpw, tPmbns‚ sk{I-´-dn-bmbn<br />
{io. tXmakv tPm¨ Ipf-ß-cbpw {Sj-dm-dmbn {io.<br />
tXmakv tXmakv Ad-bv°-Ø-dbpw sF-Iy-I-WvtT\<br />
Xnc-s-Sp-°-s∏-´p.<br />
`mc-hm-ln-Iƒ Npa-X-e-tb‰p<br />
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kntb-j≥<br />
tIm´bw Pn√m bqWn-‰ns‚ ]pXnb `mc-hmln-I-fpsS<br />
ÿm\m-tcm-l-Whpw {]h¿Ø\ DZvLm-S-<br />
\hpw Atkm-kn-tb-js‚ tImSn-aX lmfn¬ \S-∂p.<br />
B`y-¥-c-a{¥n {io. Xncp-h-©q¿ cm[m-Ir-jvW≥<br />
apJym-XnYn Bbn-cp-∂p. Atkm-kn-tb-j≥ Pn√m<br />
sk{I-´dn {io. _nt\mZv amXyp kzmKXw Biw-kn-<br />
®p. ÿm\w Hgn-bp∂ Pn√m {]kn-U‚ v tUm. ‰n.-kn.<br />
tPmk^v A≤y-£X hln® tbmK-Øn¬ ap≥<br />
kwÿm\ {]kn-U‚ v {io. tkhy¿ tXmakv<br />
sImt≠mSn ]pXnb `mc-hm-ln-Isf ]cn-N-b-s∏-Sp-Øn.<br />
XpS¿∂v ]pXnb `mc-hm-ln-Iƒ Npa-X-e-Iƒ Gs‰-Sp-<br />
Øp.<br />
A`y-¥-c-a{¥n {io. Xncp-h-©q¿ cm[mIrjvW≥<br />
apJy-{]-`m-j-Whpw ]pXnb `c-W-k-an-Xn-bpsS<br />
{]h¿Ø\ DZvLm-S-\hpw \n¿h-ln®p kwkm-cn-®p.<br />
]pXnb {]kn-U‚ v {io. sPbnwkv CΩm-\p-h¬ Npa-<br />
X-e-Iƒ Gs‰-SpØv kwkm-cn-®p. ÿm\w Hgn-bp∂<br />
Pn√m {]kn-U‚n\v a{¥n {io. Xncp-h-©q¿ cm[m-IrjvW≥<br />
Atkm-kn-tb-js‚ D]-lmcw \¬In. Pn√m<br />
]©m-bØv {]kn-U‚ v {ioaXn cm[m hn.- \m-b¿,<br />
ap≥kn-∏¬ sNb¿am≥ {io. kÆn I√q¿, Pn√m<br />
]©m-bØv AwKw AUz. ^n¬k¨ amXyqkv,<br />
Iu¨kn-e¿ {io. F≥.-F-kv. lcn-›-{μ≥, NSIC<br />
sU]yq´n amt\-P¿ {io. Pntbm tPm¨ Nme-bv°¬<br />
F∂n-h¿ Biw-k-Iƒ t\¿∂p kwkm-cn-®p. sshkv<br />
{]kn-U‚ v {io. sI. Zneo]v Ipam¿ IrX-⁄X tcJs∏-Sp-Øn.<br />
C≥UIvkv FIvkn-_n-j≥<br />
C≥UIvkv FIvkn-_n-j≥ sI.-F-kv.-F-kv.-sF.F<br />
tIm´bw Pn√m LS-I-Øns‚ {]i-kvXn-bpsS {]Xo-<br />
I-am-Wv. XpS¿®-bmbn 18˛-mw h¿j-Øn¬ FØn-\n¬<br />
°p∂ Cu hyh-kmb atlm-’hw Xo¿®-bmbpw<br />
Hmtcm h¿jw ]n∂n-Sp-tºmgpw {]h¿Ø\\ne-hmcw<br />
sa®-s∏-Sp-Øn-bnt´ D≈q.<br />
kzmX-{¥y-Zn-\m-tLmjw<br />
2012 HmKÃv 15˛ mw XobXn cmhnse 8 aWn°v Atkmkn-tb-j≥<br />
Hm^o-kn¬ Pn√m {]kn-U‚ v {io.<br />
sPbnwkv CΩm-\p-h¬ ]XmI Db¿Øn. Pn√m `mchm-ln-Ifpw<br />
IΩ‰n AwK-ßfpw XZ-h-k-c-Øn¬ k∂nln-X-cm-bn-cp∂p.<br />
CX-c-{]-h¿Ø-\-߃<br />
Atkm-kn-tb-j≥ AwK-ß-fpsS ssN\m bm{X<br />
tIm´bw Unkv{SnIv‰v bqWn-‰ns‚ Ncn-{X-Øn¬ BZyambn<br />
hntZi cmPy-tØ°v Hcp C≥U-kv{So-b¬ ÃUn<br />
Sq¿ kwL-Sn-∏n-°p-hm≥ km[n-®-Xn¬ Nmcn-Xm¿∞yap-≠v.<br />
ap∏Xv t]c-S-ßp∂ kwL-Øn\v G{]n¬ 14-˛-mw<br />
XobXn apX¬ 22-˛-mw XobXn hsc ssN\-bnse<br />
jm≥lmbn¬ \S∂ 'China Plas 2012' hyh-kmb<br />
{]Z¿i-\-Øn¬ ]p tNcp-∂-Xn\pw ssN\-bnse<br />
hnhn[ ^mIvS-dn-Iƒ kμ¿in-°p-∂-Xn\pw km[n-®p.<br />
'China Plas 2012' {]Z¿in-°-s∏´ \qX-\-ß-fmb πmÃn-<br />
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 5
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hyhkmb\mZw<br />
Iv, d∫¿ sajo-\-dn-Iƒ ImWp-∂-Xn\pw Ah-bpsS<br />
{]h¿Ø-\-߃ a\- n-em-°p-∂-Xn\pw km[n-®p. ]s-<br />
SpØ F√m-h¿°pw Cu bm{X thdn´ A\p-`hw<br />
Xt∂ Bbn-cp-∂p.<br />
]qh≥Xp-cØv hyh-kmb taJ-e-bn¬ ^b¿<br />
tÃj≥<br />
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kntb-j≥<br />
tIm´bw Pn√m Hm^o-kn¬ Bcw-`n® sl¬∏v<br />
UkvIv, C≥U-kv{Sn-b¬ sse{_dn F∂n-h-bpsS<br />
DZvLm-S\ tbmK-Øn-em-bn-cp∂p B`y-¥-c-a{¥n Xncph-©q¿<br />
cm[m-Ir-jvWs‚ {]Jym-]-\w. ]qh≥Xp-cØv<br />
hyh-kmb taJ-e-bn¬ ASn-°-Sn-bp-≠m-Ip∂ Xo]n-<br />
SpØw IW-°n-se-SpØv Atkm-kn-tb-js‚ \nth-Z-<br />
\-Øns‚ ASn-ÿm-\-Øn-em-bn-cp∂p \S-]-Sn. NS-ßn¬<br />
kw_-‘n® [\-Im-cy-a{¥n a{¥n {io. sI.-Fw. amWn<br />
sNdp-InS hyh-kmb bqWn-‰p-I-fpsS \nIpXn kw_-<br />
‘-amb Imcy-߃°v ]cn-lmcw ImWp-∂-Xn\v kXzc<br />
\S-]-Sn-Iƒ kzoI-cn-°p-sa∂pw, sNdp-InS hyh-km-bn-<br />
Isf A[zm-\-h¿§-am-bn-°m-Wp-∂-Xmbpw ]d-p.<br />
sl¬∏v sUkvIv, C≥U-kv{Sn-b¬ sse{_-dn<br />
lmƒ DZvLmS\w<br />
hyh-km-bn-Iƒ°v F√m cwK-ß-fnepw klm-b-l-kvXhp-ambn<br />
Atkm-kn-tb-j≥ hcp-∂p. \nc-h[n taJ-e-<br />
I-fn¬ (skbn¬kv SmIvkv, sk≥{S¬ FIvssk-kv,<br />
_mnw-Kv, A°u-≠vkv, sSIv\n-°¬ XpS-ßnb)<br />
t{]mPIvSv {]n∏-td-j≥ taJ-e-I-fn¬ XpSßn {]mhn-<br />
Wy-ap-≈-h-cpsS Hcp ]m\¬ BWv sl¬∏v sUkv°v<br />
hyh-km-bn-Iƒ°v Bh-iy-ap≈ Adn-hv, a‰v kmt-<br />
XnI XS-k-߃°v D]-tZ-i-߃ F∂nh GXp<br />
{]tXyI taJ-e-bn-emtWm Bh-iy-ap-≈Xv AXv<br />
AXmXv ]m\¬ CS-s]´v th≠Xp sNøpw. Cu<br />
{]h¿Ø-\-߃ ]pXnb kwcw-`-I¿°v hgn-Im-´nbpw<br />
\ne-hn-ep≈ kwcw-`-I¿°v XpW-bmbpw {]h-¿Øn®v<br />
Pn√-bpsS hyh-kmb hnI-k-\-Øn¬ ]p-tN-cp-hm≥<br />
Ign-bpw. Cu hnZ-Kv[-cpsS Iq´mb N¿®-Ifpw Cu<br />
sUkv°n¬ \S-Ø-s∏-Sp-∂-Xm-bn-cn-°pw. ASpØ `c-<br />
W-k-anXn ta¬∏-d--h-bpsS {]h¿Ø-\-߃<br />
\ΩpsS apgp-h≥ AwK-߃°pw {]tbm-P-\-s∏-Sp-Ø-<br />
Ww.<br />
Atkm-kn-tb-j≥ Pn√m {]kn-U‚ v tUm. ‰n.-kn.<br />
tPmk^v A≤y-£X hln® tbmK-Øn¬ _lp. [\-<br />
Imcy a{¥n {io.-sI.-Fw. amWn C≥U-kv{Sn¬<br />
sse{_dn lmfns‚ DZvLm-S-\-hpw, _lp. B`y-¥c<br />
a{¥n {io. Xncp-h-©q¿ cm[m-Ir-jvW≥ sl¬∏v<br />
sUkv°ns‚ DZvLm-S-\-hpw, Pn√m ]©m-bØv AwKw<br />
{io. ^n¬k¨ amXypkv ]pXp°n ]WnX tIm¨^d≥kv<br />
lmfns‚ DZvLm-S-\hpw \n¿h-ln-®p. Atkmkn-tb-j≥<br />
Pn√m sk{I-´dn kzmK-Xhpw ssh. {]kn-<br />
U‚ v IrX-PvRbpw ]d-p. sse{_-dn lmƒ \n¿Ωn-<br />
°p-∂-Xn\pw s]mXp ao‰nwKv lmƒ ]cn-jv°-cn-°p-∂-<br />
Xn\pambn 8.5 e£-tØmfw cq]mbmWv Cu `c-Wk-anXn<br />
sNe-h-gn-®-Xv. AwK-ß-fpsS kl-I-c-W-Øn\v<br />
\nkvXp-e-amb IrX-⁄-Xbpw Adn-bn-°p∂p.<br />
A\ptim-N\w<br />
\ncym-X-cmb Atkm-kn-tb-j-≥ AwK-߃ {io.-]n.-<br />
F. G{_lmw (slbn¬ tacn Snwtº-gvkv, ]qh≥XpcpØv<br />
tIm´-bw, {io. tXma- v. ‰n. h¿§o-kv, ]n.-Fw.<br />
Atkm-kn-tb-‰v, ]qh≥Xp-cpØv tIm´-bw, {ioaXn<br />
adnbw h¿§o-kv, (anUm-kv{Kq-∏v, tIm´bw), ap≥<br />
kwÿm\ {Sj-d¿ {io. ]n.-]n. tPmk^v Fd-Wm-Ipfw<br />
F∂n-h-cp-sSbpw, Atkm-kn-tb-j≥ AwK-ß-fm-bn-´p-<br />
≈-h-cpsS _‘p-°-fp-sSbpw tZl-hn-tbm-K-Øn¬<br />
Atkm-kn-tb-js‚ A\p-tim-N\w tcJ-s∏-Sp-Øp-<br />
Ibpw _‘p-°sf kμ¿in®v A\p-tim-N\w Adnbn-°p-Ibpw<br />
sNbvXn-´p-≠v.<br />
hnZym-`ymk Ahm¿Uv<br />
2012se hnZym-`ymk Ahm¿Uv 36-˛m aXv hm¿jnI<br />
s]mXp-tbm-K-Øn¬ {]kn-U‚ v tUm. ‰n.-kn. tPmk^v<br />
Xmsg -]-d-bp-∂-h¿°v hnX-cWw sNbvXp.<br />
Ahm¿Up-Iƒ kvt]m¨k¿ sNbvXXv {io.-sI.-sP.<br />
tPmk^v, bqWn-th-gvk¬ _n¬UnwKv t{]mUIvSvkv<br />
Ab¿°p-∂w, {io. tPmjvtam≥ temd≥kv, AtimIm<br />
d∫¿ ^mIvS-dn, Nß-\m-t»-cn, {io. Fw.-Un. tPm¨,<br />
tPm¨k¨ πmÃn-Iv, amΩqSv, {io. Un‰p tPm¨,<br />
UntPm d∫¿,- ]qh≥XpcpØv. F∂o AwK-߃<br />
Bbn-cp-∂p.<br />
hnZym-`ymk Ahm¿Un\v A¿l-cm-b-h¿<br />
Plus 2 : ICSE<br />
Thobias Thomas, S/o Thomas John Kulangara,<br />
Consolidated Wood Industries,Chingavanam<br />
Plus 2 : Ist Prize<br />
Aswathy R. Vellattil, D/o. V. Raghukumar, Aiswariya<br />
Polymers Pvt Ltd, Prumbaikad, <strong>Kottayam</strong>.<br />
Plus 2 : 2nd Prize<br />
Meenu Thomas V., D/o Silu. C. Thomas, Royal<br />
Handicrafts, <strong>Kottayam</strong><br />
10th CBSE : Ist Prize<br />
Gautham S. Nair, S/o. S. Sasikumar, Anitha Plastics,<br />
Vazhoor<br />
10th CBSE : 2nd Prize<br />
Grittu. K. Cherian, S/o. M.C. Kuriakose, Momo Rubbers,<br />
Ithitanam<br />
CONSOLATION PRIZE<br />
1. Anadu Krishnan N.J.<br />
D/o. P.K. Jayakumar, Chass Engg, Ettumanoor<br />
2. Meghala Ann John, D/o. John John P., Annas Rubber<br />
Products, Poovanthuruthu<br />
3. Sandra Elsa Benoy<br />
D/o. Benoy Kurian, Stell Tech, Chingavanam<br />
6 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM
............................................................................................................................................<br />
hyhkmb\mZw<br />
SSLC : 1st Prize<br />
Husna Fathima M.N. C/o Nazar M.K., Emkay Cement<br />
Products, Mundakayam<br />
SSLC : 2nd Prize<br />
Shilpa. K. Cherian D/o. K.M. Cheriyan, St. Mary's<br />
Grindings Workers, Kuzhimattom<br />
Consolation Prize<br />
1. Neenu Mary Saji. D/o Saji Kuruvilla, Vazhapparampil<br />
Agencies & Services, Ayarkunnam.<br />
2. Mariya K. Joy, D/o. K.M. Joy, Kattiyankal, Rubber<br />
Industries, Poovanthuruthu.<br />
SPECIAL PRIZE<br />
B.Tech<br />
Teena Thomas V., D/o. Silu C. Thomas, Royal Handicrafts,<br />
Nattakom.<br />
[\-Im-cy-a{¥n {io. sI.-Fw. amWn-bpambn<br />
apJmapJw ]cn-]m-Sn.<br />
2˛10-˛2012-˛¬ Atkm-kn-tb-j≥ tIm´bw Hm^o-kn¬<br />
kwL-Sn-∏n® Cu apJm-apJw ]cn-]mSn h≥ hnP-b-ambn-cp-∂p.<br />
[\-Im-cy-h-Ip-∏nse sU]yq-´n-I-Ωo-j-W¿<br />
Dƒs∏-sS-bp≈ apXn¿∂ DtZym-K-ÿcpw a{¥n-tbmsSm∏w<br />
tbmK-Øn¬ kw_-‘n®v AwK-ß-fpsS ]cm-<br />
Xn-Iƒ°pw \n¿tZ-i-߃°pw ]cn-lmcw ImWp-∂-Xn-<br />
\p≈ \S-]-Sn-Iƒ kzoI-cn-®p. Pn√m {]kn-U‚ v<br />
Pbnwkv CΩm-\p-h¬ A≤y-£X hln-®p.<br />
HmWm-tLm-j-]-cn-]m-Sn-Iƒ<br />
Atkm-kn-tb-j≥ AwK-߃°mbn \o≠q¿ sP.Fkv.<br />
^man¬ \S∂ HmWm-tLmj ]cn-]m-Sn-Iƒ Pn√m<br />
{]kn-U‚ v Pbnwkv CΩm-\p-h¬ DXvLm-S\w sNbvXp.<br />
AwK-ß-fpw IpSpw-_mw-K-ßfpw Dƒs∏sS 200 Hmfwt]¿<br />
]s-Sp-Øp. Ip´n-Iƒ°pw apXn¿∂-h¿°p-ambn<br />
hnhn[ a’-c-ßfpw {Iao-I-cn-®n-cp-∂p. hnP-bn-Iƒ°v<br />
Atkm-kn-tb-js‚ hI-bmbn kΩm-\ßfpw \¬In.<br />
kzmZn-jvS-amb `£-Whpw CtXm-S-\p-_-‘n®v {Iao-<br />
I-cn-®n-cp-∂p.<br />
HmW°n-‰v hnX-c-W-Øn¬ kl-I-cn®p<br />
tIm´bw t]meokv kq{]-≠n‚ v {io. sI. cmP-tKm-<br />
]m¬ sF.-]n.-Fkns‚ t\Xr-Xz-Øn¬ P\-ssa{Xn<br />
t]meokv HmW-Øn\v ]mh-s∏´ P\-߃°v GXm≠v<br />
5000-tØmfw HmW-°n-‰p-Iƒ hnX-cWw sNbvXp. B`y-<br />
¥-c-a{¥n _lp. Xncp-h-©q¿ cm[m-Ir-jvWs‚<br />
{]tXyI Xm¬]cy {]Im-c-amWv Cu al-Ømb ]cn-<br />
]mSn kwL-Sn-∏n-®-Xv. sNdp-InS hyh-kmb Atkmkn-tb-j≥<br />
tIm´bw bqWn‰v Cu alZv kwcw-`-Ønte°v<br />
15,500 cq]m (100 In‰v) kw`m-h\ sNøp-Ibpw<br />
hnX-cW kwcw`NS-ßp-I-fn¬ Pbnwkv CΩm-\p-th¬,<br />
tkhy¿ tXmakv sImt≠m-Sn, _nt\mZv amXyp, Zneo-<br />
]vIp-am¿ F∂n-h¿ ]s-Sp-°p-Ibpw sNbvXp.<br />
kwÿm\ IΩ‰n Xnc-s-Sp∏v<br />
Atkm-kn-tb-j≥ kwÿm\ IΩ-‰n-bn-te°v \S∂<br />
Xnc-s-Sp-∏n¬ tIm´bw Pn√-bn¬ \n∂v 6 P\-d¬<br />
Iu¨kn¬ AwK-߃, kwÿm\ IΩ‰n AwKßfmbn<br />
sFIy-I-WvtT\ Xnc-s-Sp-°-s∏-´p. {io.<br />
tkhy¿ Nmt°m, {io. ‰n.-sP. sk_m-Ãy≥, tUm.<br />
‰n.-kn. tPmk-^v, {io. kmhn tPm¨, {io. tPmkv<br />
tXma-kv, AUz. ]n.-kn. cmcn-®≥. CXn¬ kwÿm\<br />
tPmbns‚ sk{I-´-dn-bmbn tUm. ‰n.-kn. tPmk^v Xncs-Sp-°-s∏-´p.<br />
{io. sI.-]n. cma-N-{μ≥\m-b¿ {]kn-<br />
U‚mb kwÿm\ IΩ‰n 2012 BKÃv 6˛mw XbXn<br />
Npa-X-e-tb-‰p.<br />
tkmjy¬ skIyq-cn‰n ^≠v.<br />
2011-˛12 Ime-b-f-hn¬ tkmjy¬ skIyq-cn‰n ^≠n¬<br />
\n∂pw \ncym-X-\mb {io. tXmakv ‰n. h¿Ko-kns‚<br />
`mcy amb tXma-kn\v 10 e£w cq] [\-Im-cy-a{¥n<br />
{io. sI.-Fw. amWn \¬In. IqSmsX sshZy-k-lmb<br />
]≤Xn {]Imcw {io. sI.-Fw. sNdn-bm\v 64,000/-˛<br />
cq]mbpw e`n-®p. ]pXp-Xmbn Cu ]≤-Xn-bn¬ 50 AwK߃<br />
Cu Ime-b-f-hn¬ tN¿∂n-´p-≠v. tIm´bw Pn√m<br />
saº¿jn-∏n¬ kwÿm-\Øv c≠mw ÿm\w t\Sn.<br />
C≥UIvkv <strong>2013</strong> t{_mj¿ {]Im-i\w<br />
2012 HIvtSm-_¿ amkw 2˛-mw XobXn Atkm-kn-tbj≥<br />
Hm^o-kn¬ \S∂ NS-ßn¬ {]kv¢_v sk{I-<br />
´dn {io imep amXyp-hn\v \¬In-sIm≠v C≥UIvkv<br />
<strong>2013</strong> s‚ t{_mj¿ [\-Im-cy-a{¥n {io. sI.-Fw. amWn<br />
{]Im-i\w sNbvXp.<br />
Pn√m -]-©m-bØv tIcf]ndhn Zn\m-tLmjw<br />
Pn√m ]©m-bØv tIm´-bØv \hw-_¿ 1˛-mw XobXn<br />
\S-Ønb tIc-f-∏n-dhn tLmj-bm-{X-bnepw s]mXpk-tΩ-f-\-Ønepw<br />
Atkm-kn-tb-j≥ kl-I-cn-®p.<br />
tLmj-bm-{X-bn¬ Atkm-kn-tb-j≥hI {]tXyI<br />
tπm´pw Ah-X-cn-∏n-®p. s]mXp-k-tΩ-f-\-Øn¬ Pn√m<br />
]©m-b-Øns‚ D]-lmchpw Atkm-kn-tb-j\v {]kn-<br />
U‚ v {io. sPbnwkv CΩm-\p-th¬ G‰p-hm-ßn.<br />
]ªnIv t{]mIyq¿sa‚ v t]mfnkn skan-\m¿<br />
tÉv seh¬ sh≠¿ Uh-e-]vsa‚ v t{]m{Kmw<br />
sNdp-InS hyh-kmb C≥Ãn-‰yq-´n-s‚bpw, Atkm-kntb-j-s‚bpw,<br />
Nß-\m-ticn C≥U-kv{So-b¬ FtÉv<br />
Atkm-kn-tb-j-s‚bpw B`n-ap-Jy-Øn¬ 21-˛-mw XobXn<br />
_p[-\mgvN Nß-\m-ticn hyh-kmb FtÉn-ep≈<br />
tIma¨ s^kn-en‰n sk‚-dn¬ h®v ]ªnIv<br />
t{]mIyp¿sa‚ v t]mfnkn skan-\m¿ \S-∂p. Atkmkn-tb-j≥<br />
Pn√m {]kn-U‚ v {io. Pbnwkv CΩm-\pth¬<br />
skan-\m¿ DZvLm-S\w sNbvXp. ]ªnIv<br />
t{]mIyp¿sa‚ v t]mfnknbpsS `mK-am-bp≈ sF.-Fkv.-H.<br />
k¿´n-^n-t°-j≥, _m¿tIm-UnwKv, t{SUv am¿°v<br />
XpS-ßn-b-hbpw Ahbv°v tI{μ Kh¨sa‚ v<br />
\¬Ip∂ k_vk-Un-I-sf-∏-‰nbpw sU]yq´n Ub-d-<br />
IvS¿ (MSME -DI) {io KmtU chn kwkm-cn-®p. d∫¿<br />
t_m¿Uns‚ ]¿t®kv t]mfn-kn-I-sf-∏‰n tUm. cmPo-<br />
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 7
............................................................................................................................................<br />
hyhkmb\mZw<br />
h≥ kwkm-cn-®p. sIm®n≥ jn∏vbm¿Uns‚ ]¿t®kv<br />
t]mfn-kn-sb-∏-‰n-bp≈ ]Δ¿ t]mbn‚ v {]kt‚j\pw<br />
D≠m-bn-cp-∂p. MSME-DI Akn-Â v Ub-d-IvS¿<br />
{ioaXn I{Xo-\mΩ sk_m-Ãy≥ kzmKXw Biwkn-®p.<br />
{io. tkhy¿ tXmakv sImt≠mSn, Nß-\mticn<br />
C≥U-kv{So-b¬ FtÉv Atkm-kn-tb-j≥<br />
{]kn-U‚ v {io. sPbnwkv apf-h\ F∂n-h¿ Biwk-Iƒ<br />
t\¿∂p kwkm-cn-®p. MSME -DI Akn-Â v<br />
Ub-d-IvS¿ {io. sI. sP. tPm¨k¨ IrX-⁄X<br />
]d-p. tbmK-Øn¬ 75 sNdp-InS hyh-kmb bqWn-<br />
‰p-I-fpsS {]Xn-\n-[n-Iƒ ]s-Sp-Øp.<br />
C≥UIvkv <strong>2013</strong><br />
Atkm-kn-tb-£s‚ apJy ]cn-]m-Sn-bmb C≥UIvkv<br />
hyh-kmb hmWnPy {]Z¿i\w <strong>2013</strong> P\p-hcn 25 apX¬<br />
31 hsc amΩ≥am-∏nf lmfn¬ \S-∂p. 25\v ap≥kn∏¬<br />
sNb¿am≥ {io. Fw.-]n. kt¥m-jvIp-am¿ taf DZvLm-<br />
S\w sNbvXp. 27\v \S∂ s]mXp ktΩ-f\w _lp-ap-<br />
Jy-a{¥n {io. DΩ≥ Nm≠n DZvLm-S\w sNbvXp.<br />
tbmK-Øn¬ Pn√-bnse anI® hyh-kmb kwcw-`-<br />
I¿°p≈ Ahm¿Up-Iƒ apJy-a{¥n hnX-cWw<br />
sNbvXp. Gjym-s\-‰ns‚ s_Ãv an\n-ÿ ]pckvImcw<br />
t\Snb B`y-¥-c-a{¥n {io. Xncp-h-©q¿<br />
cm[m-Ir-jvW-\v kwÿm\ {]kn-U‚ v {io. sI.-]n.<br />
cma-N-{μ≥ \mb¿ Atkm-kn-tb-js‚ saat‚m<br />
\¬In BZ-cn-®p. Pn√m ]©m-bØv {]kn-U‚ v, NSIC,<br />
MSME bnse Db¿∂ DtZym-K-ÿ¿, ap≥kn-∏¬<br />
sNb¿am≥, Ie-IvS¿ F∂n-hcpw tbmK-Øn¬ kwkmcn-®p.<br />
taf-tbm-S-\p-_-‘n®v hnhn[ skan-\m-dp-Iƒ \S-<br />
∂p. taf P\p-hcn 31\v kam-]n-®p.<br />
BEST SME Ahm¿Uv<br />
2012 h¿jsØ anI® hyhm-b-kw-cw-`-I¿°p≈<br />
Ahm¿Up-Iƒ C≥UIvkv˛<strong>2013</strong> s]mXp ktΩ-f-\-<br />
Øn¬ apJy-a{¥n hnX-cWw sNbvXp. {io. tPmk^v<br />
sk_m-Ãy≥ satΩm-dn-b¬ SSI Ahm¿Uv \nd-\mgn<br />
tdmf¿ ^vfh¿an¬ Nß-\m-t»-cn-°p-th≠n sNb¿am≥<br />
{io. tkhy¿ Nmt°mbpw _nkn-\kv FIvk-e≥kv<br />
Ahm¿Uv Sn¬tIm¨ sh≥®¿ enan-‰-Un-\p-th≠n<br />
amt\-PnwKv Ub-d-IvS¿ {io. PnΩn tPmk^pw _Ãv<br />
F‚ vd¿{]-\¿ Ahm¿Uv I.P.S.R. skeyp-j≥ enan-‰-<br />
Un-\p-th≠n amt\-PnwKv Ub-d-IvS¿ tUm. sa≥Ukv<br />
tP°_pw apJy-a-{¥n-bn¬ \n∂v G‰p-hm-ßn.<br />
^pUv tk^v‰n ssek≥knwKv skan\m¿<br />
sI.-F-kv.-F-kv.-sF.-F. tIm´bw bqWn‰pw Assocham,<br />
Bangalore B`n-ap-Jy-Øn¬ Unkw-_¿ 4˛mw XobXn<br />
\S∂ ^pUv tk^v‰n ssek≥knwKv skan\mdn¬<br />
40 bqWn‰pIƒ ]sSpØp. ^pUv tk^v‰n<br />
AtXmdn‰n Hm^v C≥Uym, Pn√m ^pUv tk^v‰n<br />
Hm^ok¿ a‰v Xmeq°v Hm^ok¿am¿ F∂nh¿<br />
skan\mdn¬ ]sSpØv hnhn[ \nbaßsf∏‰n<br />
kwkmcn°pIbpw ]sSpØhcpsS kwib߃°v<br />
adp]Sn \¬IpIbpw sNbvXp.<br />
kzoI-cWw \evIn<br />
sNdp-InS hyh-kmb Atkm-kn-tb-j≥ tIm´bw<br />
Pn√m IΩ-‰n-bpsS B`n-ap-Jy-Øn¬ tIm´bw ap≥kn-<br />
∏¬ sNb¿am≥ {io. Fw.-]n. kt¥m-jvIp-am¿,<br />
knUvtIm t_m¿Uv AwK-ambn \nb-an-X-\mb Nß\mt»cn<br />
kn.-sI. d∫¿ C≥U-kv{Sokv DS-a-bp-amb {io.<br />
kn.-sP. tPmk^v F∂n-h¿°v 20-˛12-˛2012 se Pn√m<br />
IΩ-‰n-tbmS\p_-‘n®v \S∂ NSßn¬ kzoI-cWw<br />
\¬In.<br />
hyh-kmb kwKaw<br />
Atkm-kn-tb-j≥ kwÿm-\-X-e-Øn¬ Xncp-h-\-¥-<br />
]p-cØv <strong>2013</strong> P\p-hcn 30\v \S-Ønb hyh-kmb<br />
kwKaw h≥hn-P-b-am-bncp-∂p. tIm´-bØv \n∂v 200<br />
AwK-߃ kwK-a-Øn¬ ]s-Sp-Øp.<br />
hyh-km-b-\mZw<br />
Atkm-kn-tb-js‚ tIm´bw Pn√m bq-Wn‰ns‚ apJ-<br />
]-{Xn-bmb hyh-km-b-\mZw F√m amkhpw 25 \v<br />
]pdØnd-°p-∂p. Cu amkn-I-bn¬ ]c-kyw, teJ-\-<br />
߃ F∂nh \¬Ip-∂-hsc {]tXyIw \μn Adn-bn-<br />
°p-∂p.<br />
IrX-⁄X<br />
hyh-kmb kw_-‘-amb Imcy-߃ N¿® sNøp-hm-<br />
\pw, Bh-iy-amb Xocp-am-\-߃ FSp-°p-hm\pw N¿®mtbm-K-߃<br />
kwL-Sn-∏n-°p-hm\pw a‰p-ambn ipjvIm¥n<br />
ImWn® apJy-a{¥n {io. DΩ≥Nm-≠n, B`y¥ a{¥n<br />
{io. Xncp-h-©q¿ cm[m-Ir-jvW≥, hyh-kmb a{¥n {io.<br />
]n.-sI. Ipm-en-°p-´n, [\-Im-cy-a{¥n {io. sI.-Fw.<br />
amWn, a‰v a{¥n-k-`mw-K-߃, {io. tPmkv.-sI. amWn<br />
Fw.-]n. F∂n-h¿°v Atkm-kn-tb-js‚ F√m {]h¿Ø-<br />
\-ß-fnepw th≠ \n¿t±-i-ßfpw klm-b-k-l-I-c-W-ßfpw<br />
\¬Inhcp∂ tIm´bw Pn√-bnse a‰v Fw.-]n. am¿,<br />
ap≥ Fw.-F¬.-F., {io. hn.F≥. hmk-h≥ a‰v Fw.-F¬.-<br />
F. am¿, a‰v cmjv{Sob t\Xm-°ƒ, kmaq-lnI kmwkvImcnI<br />
cwKsØ {]ap-J¿ F∂n-h-tcm-Sp≈ \n o-a-amb<br />
\μnbpw IrX-⁄-Xbpw tcJ-s∏-Sp-Øn-s°m-≈p-∂p.<br />
hyh-kmb Ub-d-IvS¿, hyh-kmb Ub-d-IvS-td-‰nse<br />
a‰v DtZym-K-ÿ-∑m¿, Pn√m hyh-kmb tI{μw P\-d¬<br />
amt\-P¿, amt\-P¿am¿, Xmeq°v hyh-kmb Hm^ok¿am¿,<br />
tªm°v Xe DtZym-K-ÿ¿, Pn√m hyh-kmb<br />
tI{μ-Ønse DtZym-K-ÿ-∑m¿ F∂n-h-tcm-Sp≈ \μnbpw,<br />
IrX-⁄Xbpw Cu Ah-k-c-Øn¬ Adn-bn-°p∂p.<br />
Atkm-kn-tb-js‚ F√m {]h¿Ø-\-߃°pw F√m<br />
hn[ klm-b-k-l-I-c-W-ß-fpw \¬In hcp∂ Pn√m If-<br />
IvS¿, If-Ivt{S-‰nse a‰v DtZym-K-ÿ¿, skbn¬ SmIvkv<br />
sU]yq´n IΩo-jvW≥, sshZypXn t_m¿Uv sU]yq´n<br />
No^v F©n-\o-b¿, Pn√-bnse sI.-F-kv.-C.-_n. bpsS a‰v<br />
DtZym-K-ÿ¿, sk≥{S¬ FIvsskkv DtZym-K-ÿ¿, Un.-<br />
F-^v.-H. DtZym-K-ÿ¿, hmWn-Py \nIpXn U]yq´n IΩoj-W¿<br />
a‰v DtZym-K-ÿ¿ F∂n-h-tcm-Sp≈ IrX-⁄X<br />
Cu Ah-k-c-Øn¬ {]Im-in-∏n-°p-∂p.<br />
Atkm-kn-tb-j≥ IW-°p-Iƒ BUn‰v sNbvX {io.<br />
Fw.-sI. Ipcp-hnf Nm¿t´Uv A°u-≠‚ v, eoK¬<br />
AssUz-k¿ AUz. sI.-sP. ^nen-t∏mkv Fkv.-sF.-Un.-<br />
8 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM
............................................................................................................................................<br />
hyhkmb\mZw<br />
_n.-sF. U]yq´n P\-d¬ amt\-P¿, a‰v DtZym-K-ÿ¿,<br />
hnhn[ t{SUv bqWn-b≥ `mc-hm-ln-Iƒ F∂n-h-tcm-Sp≈<br />
IrX-⁄-Xbpw Cu Ah-k-c-Øn¬ Adn-bn-°p-∂p.<br />
C≥UIvkv <strong>2013</strong> s‚ hnP-b-Øn-\mbn {]h¿Øn® F√mh¿°pw<br />
IrX-⁄X Adn-bn-°p-∂p.<br />
tIm´bw Pn√m LS-I-Øns‚ \n¿t±-i-߃ ]q¿Wambn<br />
]cn-K-Wn-°p-Ibpw kwÿm-\-X-e-Ønepw<br />
Kh¨sa‚ns‚ {i≤-bnepw Ah-X-cn-∏n-°m≥ klm-bn®<br />
kwÿm\ {]kn-U‚ v {io. sI.-]n. cma-N-{μ≥\m-b¿,<br />
sk≥{S¬ tkm¨ tPmbn‚ v sk{I-´dn tUm. ‰n.-kn.<br />
tPmk^v, a‰v `mc-hm-ln-Iƒ, Pn√m hyh-kmb tI{μw<br />
amt\-P¿ {io. _n. cta-jv, Fkv.-_n.-‰n. sU]yq´n P\-<br />
d¬ amt\-P¿ {io. Pn. cmtP-{μ-Ip-am¿, Fkv.-F-kv.-sF.<br />
{_m©v amt\-P¿ {io. ‰n.-hn. apc-fo-[-c≥, sI.-F-^v.-kn.<br />
ko\n-b¿ amt\-P¿ {ioaXn. Fw. A∂Ω, a‰v {]apJ<br />
[\-Imcy ÿm]-\-ß-fpsS {]Xn-\n-[n-Iƒ, NSIC<br />
tkmW¬ amt\-P¿ {io. hn. Adp-ap-Jw, sIm®n ko\nb¿<br />
amt\-P¿ {io. B¿. ic-h-W-Ip-am¿, A°u≠vkv<br />
amt\-P¿ {io. sI.-hn. Ipam¿, sU]yq´n amt\-P¿ {io.<br />
Pntbm tPm¨ Nme-bv°¬, MSME-DI Xr»q¿, Ub-d-<br />
IvS¿ {io khy-kmNn ]Wn-°-t»cn, a‰p Akn. Ub-d-<br />
IvS¿am¿, Ãm^v, ap≥ kwÿm\ {]kn-U‚ v {io. tkhy¿<br />
tXmakv sImt≠m-Sn, a‰v kwL-S-\m-`m-c-hm-ln-Iƒ, tIm´bsØ<br />
F√m am[y-a-ÿm-]-\-߃, am[ya {]h¿Ø-I¿<br />
F∂n-h-tcmSpw R߃°v i‡-amb t\XrXzw \¬Ip-<br />
I-bpw, {]iv\-ß-sf-s∏‰n Kuc-h-ambn ]Tn®v Ah-X-cn-∏n-<br />
°p-Ibpw, AXp-hgn Atkm-kn-tb-js‚ i_vZw FhnsSbpw<br />
apgßnt°ƒ°m≥ klm-bn-°p-Ibpw sNbvX a‰p<br />
kwÿm-\, Pn√m-Xe `mc-hm-ln-I-tfm-Sp-ap≈ IrX-⁄X<br />
Adn-bn-°p-∂p.<br />
F√m-Øn\pw D]-cn-bmbn F√m {]h¿Ø-\-ß-fpw hnPb-{]-Z-am-°p-hm≥<br />
Pn√sb \bn® Pn√m {]kn-U‚ v, a‰v<br />
Pn√m `mchm-ln-Iƒ, IΩ-‰n-bw-K-߃, Atkm-kn-tb-j≥<br />
AwK-ß-fm-bn-´p≈ bqWn‰v DS-a-Iƒ, Atkm-kn-tb-j≥<br />
Hm^okv Poh-\-°m¿, C≥U-Ivkv˛ <strong>2013</strong> FIvkn-_n-j≥<br />
tPmen-I-fn¬ klm-bn-®-h¿ IqSmsX F√m hm¿jnI<br />
s]mXp-tbm-K-ßfpw kPoh ]m-fn-Ø-ap≈ AwK߃<br />
F∂n-h¿°pw Cu Ah-k-c-Øn¬ {]tXy-I-ambn \μn<br />
tcJ-s∏-Sp-Øp-∂p.<br />
AwK-kw-Jy-bn¬ h≥ h¿≤-\hp hcp-ØnsIm≠v<br />
sNdp-InS hyh-kmb taJ-e-bpsS H´m-sI-bp≈ ]ptcm-K-<br />
Xn°v IqSp-X¬ {]h¿Ø-\-߃ \S-Øp-hm≥ km[n-°pw.<br />
AXp-sIm≠v AwK-kwJy ho≠pw Iq´p-∂-Xn\v \nß-tfmtcm-cp-Ø-cp-tSbpw<br />
Bflm¿∞-amb kl-I-cWw Hcn-<br />
°¬IqSn A`y¿∞n-°p-I-bmWv.<br />
\ΩpsS ]e {]iv\-ßfpw ]cn-l-cn-°p-hm≥ Atkmkn-tb-j\v<br />
Ign-n-´p-≠v. ]e Imcy-ßfpw t\Sn-sb-Sp-<br />
°p-hm-\p-ap-≠v. AXn\v AwK-Xz-_-e-amWv apJy-L-SIw.<br />
IqSmsX tkmjy¬ skIyq-cn‰n ^≠nepw F√m-hcpw<br />
AwKXzw FSp-°-Ww.<br />
XpS¿∂pw \nß-tf-h-cp-sSbpw klmb kl-I-c-W߃<br />
A`y¿∞n-®p-sIm≠v \nß-fpsS AwKo-Im-c-Øn-<br />
\mbn Rm≥ Cu dnt∏m¿´v ka¿∏n-°p-∂p.<br />
F∂v, Pn√m IΩ-‰n-°p-th≠n<br />
_nt\mZv amXyp<br />
(sk{I-´dn)<br />
IqSp-X¬ sshZypXn ]≤XnIƒ thWw<br />
tIc-f-Øns‚ sshZypXn Bh-iy-IX ]cn-l-cn-<br />
°m≥ h¿jw-tXmdpw 300 saKm-hm´v IqSp-X-embn<br />
D¬∏m-Zn-∏n-°m≥ Ign-bp-∂-hn[w ]≤-Xn-Iƒ \S-<br />
∏m-°-W-sa∂p sI.-F-kv.-C.-_n.-H.-F. sk≥{S¬<br />
tkmW¬ sk{I-´dn Ipcy≥ sk_m-Ãy≥ ]d-p.<br />
sI.-F-kv.-C._n Hm^n-tkgvkv Atkm-kn-tb-j≥<br />
kwL-Sn-∏n® skan-\m-dn¬ {]_‘w Ah-X-cn-∏n-<br />
°p-I-bm-bn-cp∂p At±-lw. PÃokv sI.-Sn. tXmakv<br />
skan-\m¿ DZvLm-S\w sNbvXp. hn.-F≥. hmk-h≥<br />
tamU-td-‰-dm-bn-cp-∂p. sI.-]n.-kn.-kn. P\-d¬ sk{I-<br />
´dn eXnIm kp`m-jv, kvtamƒ kvsIbn¬ C≥Ukv{Sokv<br />
Atkm-kn-tb-j\v {]kn-U‚ v Pbnwkv<br />
CΩm-\p-h¬, tIcf imkv{X-km-lnXy ]cn-jØv<br />
Pn√m {Sj-d¿ sI. cmP≥, Atkm-kn-tb-j≥<br />
kwÿm\ tPmbn‚ v sk{I-´dn ]n.-F≥. {]Zo]v<br />
F∂n-h¿ {]kw-Kn-®p.<br />
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 9
............................................................................................................................................<br />
hyhkmb\mZw<br />
<strong>2013</strong> G{]n¬ 1˛\p tijw ^yqh¬ k¿®m¿Pv ]mSn√<br />
Please Contact, for more details:<br />
<strong>KSSIA</strong>, <strong>Kottayam</strong>. Ph: 2567570<br />
bph-kw-cw-`-I¿°p t{]m’m-l\w \¬Ipw;<br />
[\-Im-cy-a{¥n {io. sI.-Fw. amWn<br />
bph-kw-cw-`-I¿°p th≠ t{]m’m-l\w \¬Im≥<br />
kwÿm\ k¿°m¿ {]Xn-⁄m-_-≤-am-sW∂p a{¥n<br />
sI.-Fw.-amWn ]d-p. tIcf ^n\m≥jy¬ tIm¿]-<br />
td-js‚ C‚-dÃv ks_z≥j≥ kvIow DZvLm-S\w<br />
sNøp-I-bm-bn-cp∂p At±-lw. ]pXnb hyh-kmb<br />
kwcw-`-I¿°p IqSp-X¬ klmb߃ \¬Ipw.<br />
tXm´w hyh-km-b-Øn-s\m∏w hyh-kmb kwcw-`߃°pw<br />
IqSp-X¬ ]cn-K-W\ \¬I-Ww. Fn¬<br />
am{Xta kmº-ØnI hf¿® t\Sm≥ km[n-°p-I-bp-<br />
≈q-sh∂pw At±lw ]d-p. a{¥n Xncp-h-©q¿<br />
cm[m-Ir-jvW≥ A[y-£X hln-®p. sI.-F-^v.-kn.<br />
sNb¿am≥ B≥Uv amt\-Pnßv Ub-d-IvS¿ ]n.- tPmbn<br />
DΩ≥, P\-d¬ amt\-P¿ F.-Pn. Znt\-iv, tkmW¬<br />
amt\-P¿ sI.-F-kv. cmPo-hv, tIcf tÉv kvtamƒ<br />
C≥U-kv{Sokv Atkm-kn-tb-j≥ {]kn-U‚ v<br />
Pbnwkv CΩm-\p-h¬ F∂n-h¿ {]kw-Kn-®p. Xnc-s-<br />
Sp-°-s∏´ 32 hyh-km-bn-Isf Dƒs∏-SpØn hyh-kmb<br />
kwcw-`I kwK-ahpw kwL-Sn-∏n-®n-cp-∂p. kwcw-`-Ian-js‚<br />
hmbv]m ]cn[n Hcmƒ°v A©p-e-£-sa-∂Xv<br />
15 e£w B°-W-sa∂pw, s{IUn‰v Kymc‚n {SÃv<br />
^≠ns‚ {]tbm-P\w KpW-t`m-‡m-°ƒ°v e`n-°-<br />
W-sa∂pw Atkm-kn-tb-j≥ {]kn-U‚ v {io.<br />
Pbnwkv CΩm-\p-h¬ Bh-iy-s∏-´-Xv. a{¥n AwKo-<br />
I-cn-®p.<br />
10 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM
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hyhkmb\mZw<br />
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 11
............................................................................................................................................<br />
hyhkmb\mZw<br />
INDIAN BANKING EVALUATION<br />
Xavier Thomas Kondody<br />
All South East Asia Currencies<br />
are also weakening Against USD<br />
Exporters are not really benefited<br />
Indian Rupee is exchanging at its lowest in its history ie<br />
58.69 per USD. Exporters are supposed to be benefited<br />
by this phenomena but unfortunately India’s competitor’s<br />
currencies’ are also weakening parallel. Currencies of<br />
Thailand, Indonesia, Philippians, Turkey etc. who are<br />
India’s main competitors for one and the same products<br />
to Europe, America, Middle east etc.<br />
However Yuan (Chinese) is showing appreciating trend<br />
which is of course good for Indian exporters. Weakening<br />
is anyway positive for India. Foreign exchange will go as<br />
falling rupee will encourage investment and exports.<br />
Government’s intervention is now very much necessitated<br />
as otherwise balance of payments position would further<br />
deteriorate, because of increasing import cost.<br />
.................................................................................<br />
STATE BANK OF INDIA, LIKELY TO TAKE OVER<br />
GROUP SUBSIDIERY BANKS<br />
Government of India is favoring big banks in the country<br />
and accordingly SBI the mother bank of State Banks may<br />
proceed to take over a few of its subsidiaries in this year<br />
.The first one in the hit list waiting to be taken over is<br />
State Bank of Mysore, State Bank of Indore and SBT are<br />
also in the list follows.<br />
.................................................................................<br />
GARMENTS EXPORTERS<br />
India attains the Status of a factory complainant country<br />
with international retail chains and brands purchasing<br />
Indian brands. Currently India is getting more than USD 3<br />
billion value of garments, for this status. Apparel Export<br />
Promotion Council is working hard for promoting branded<br />
garments exports from India with the help of AEPC.<br />
Common Code of Conduct. .DISHA, an initiative of Ministry<br />
of Textiles.<br />
.................................................................................<br />
TECHNOLOGY IN IT’S CORE...<br />
Year 1770 - Bank of Hindustan established in<br />
Calcutta<br />
1886 - General Bank of India Calcutta<br />
1921 - Bank Of Calcutta, Bank Of Bombay &<br />
Bank Of Madras<br />
Managed to Imperial Bank Of India<br />
1955 - Imperial Bank Of India became State<br />
Bank Of India (SBI)<br />
1969 - All the leading commercial Banks were<br />
Nationalized<br />
1991 - Economic liberalization.<br />
Banks have changed in their operations and moved<br />
towards universal banking along with the increased<br />
usage of technology and tech – based services<br />
offering alternate channels such as smart cards,<br />
ATMs, Internet ,Mobile facilitation, deployment of core<br />
banking, human resources management, enterprise<br />
risk management etc. Non-cash payment system<br />
increased to 88% of all transactions. Cashless and<br />
paperless payment modes are the order of the day.<br />
Indian Banks are billed top globally.<br />
Base III norms are now being implemented to make<br />
Indian Banks stronger as per the directive of RBI..<br />
Next five years are going to be a revolutionary time<br />
once .Based III norms are introduced. Apart from if<br />
Govt of India decides to dilute its shares in Public<br />
Sector banks to 51%, Indian Banking Sector would<br />
see a sea change.<br />
Tail: In spite of all there ,the financial inclusion is<br />
distance apart-<br />
1. 50 % of Indian villages are still without Bank<br />
Branches.<br />
2. There is a huge gap in providing credit to MSME<br />
sector which is the back bone of Indian economy.<br />
3. Interest rates for credits to small scale sectors,<br />
infrastructure projects etc are abnormally high.<br />
4. Non banking Finance Companies are still in the<br />
lending area at high rates to socially and financially<br />
backward people.<br />
5. Banks are potentially profit oriented and have the<br />
credit flow to MSME sector is oriented with high<br />
risk perception . Too forceful dependence on<br />
collateral securities, creating gap in providing<br />
adequate credit, maintaining always 3% plus on<br />
base rates interest , insisting strict legal compliance<br />
enforcing SURFACY in loan recovery. The system<br />
is making exit of failed units extremely difficult.<br />
12 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM
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hyhkmb\mZw<br />
]pXnb X{¥w!<br />
]n.-sI. Pb-Ip-am¿<br />
cta-i≥ tIm´-b-Øp-Im¿°v kp]-cn-Nn-X-\m-Wv. ]´-W-Øn¬ Hcp<br />
_lp-\n-e-sI-´n-S-Øn¬ Ce-Ivt{Sm-WnIvkv IS \S-Øp-I-bm-bn-cp-<br />
∂p \ΩpsS \mb-I≥. At±lw Untπma Ign-p. c≠p aq∂ph¿jw<br />
_mw•qcpw sNss∂-bnepw ]e ^mIvS-dn-I-fnepw tPmen<br />
sNbvXp.<br />
A—-s‚bpw AΩ-bp-sSbpw IqsS Ign-bm-\p≈ B{Klw<br />
tIm´-bØv Hcp IS XpS-ßp-hm≥ t{]cn-∏n-®p. hoSp-Iƒ°v Bhiy-ap≈<br />
Ce-Ivt{Sm-WnIv tNm°v apX¬ C≥th-´¿ hsc cta-i≥<br />
sNøp-∂p. tami-an-√m-Ø hcp-am\w. 5˛-tPm-en-°m¿. ho´n¬<br />
t]mbn-h-cp-hm≥ Ccp-N-{I-hm-l-\w.<br />
cta-i≥ F√m-h-cnepw {]iw-k-t\-Sn. C\n Hcp hnhmlw<br />
BImw. ho´p-Im¿ \n›-bn-®p. kmhn{Xn cta-i\v XpW-bm-bn.<br />
Ime-N{Iw Id-ßp-∂p. cta-i\v Nne-hp-Iƒ h¿≤n-®p. hcp-am-<br />
\hpw IqSp-∂p-≠m-bn-cp-∂p. A∂v D®bv°v ho´n¬\n∂pw tNmdv<br />
FSp-°p-hm≥ cta-i≥ ad-∂p. Fn¬ C≥Uy≥ tIm^n<br />
lukn¬ BImw.<br />
tIm^n lukn¬h®v ]gb kplrØv kptc-jns\ I≠p.<br />
h¿j-߃sIm≠v t\Snb hnti-j-߃ ]p-h-®p. kptcjv<br />
Ct∏mƒ Hcp aƒ´n \mj-W¬ Iº-\n-bnse am¿°-‰nwKv FIvkn-<br />
Iyq-´o-hm-Wv. At±lw temIØv Ct∏mƒ \S-∂p-sIm-≠n-cn-°p∂<br />
am¿°-‰nwKv X{¥w cta-ins‚ ap≥]n¬ h®p.<br />
Rm≥ ]Tn® amt\-Pvsa‚ v Fß-s\bpw ]Ww D≠m-°pI<br />
F∂-Xp-am-{X-am-Wv. \o ]pXnb aƒ´n-\m-j-W¬ Iº-\n-Isf<br />
{i≤n°v.<br />
ChnsS D]-t`m-‡m-hns\ B¿°mWv th≠-Xv. Ahs‚<br />
t]m°-‰n¬ D≈ IW-°n¬s]-SmØ aWn am{Xw.<br />
]≠v C≥Uy-bn¬ D¬]-∂-Øns‚ hne \n›-bn-®Xv D¬]m-<br />
Z-I≥ Bbn-cp-∂p. C∂v amdn. Bh-iy-Im-cs‚ A`n-cpNn t\m°n<br />
In´m-hp∂Øns‚ G‰hpw IqSnb hnebv°v BZyw hn¬°pw.<br />
]ns∂ hne-Ip-d®v Ipd®v Ah-km\w Xd hnebv°pw hn¬°pI<br />
F∂-XmWv ]pXnb X{¥w.<br />
Rm\n-t∏mƒ h¿°v sNøp∂ ÿm]\w CtX coXn-bn¬<br />
BWv hn¬°p-∂-Xv. amkw Hcp-e-£-Øn-\p-ap-I-fn¬ hcp-am-\w.<br />
AXpw henb IjvS-∏m-Sn-√m-sX.<br />
cta-i≥ Hcp \nanjw Xs‚ Ahÿ Btem-Nn-®p. cmhnse<br />
8 aWn apX¬ cm{Xn 8 hsc 12 aWn-°q¿. IjvSn®v 25-˛30 cq]<br />
amkw.<br />
A∂p-cm{Xn cta-i≥ Nn¥-bn-em-bn-cp∂p. Fßs\ IS IqSp-<br />
X¬ Djm-dm-°mw. Hcp aƒ´n seh¬ am¿°-‰nwKv knÃw D≠m-<br />
°n-bmtem?<br />
]nt‰∂v KqKn-fn¬ Ibdn aƒ´n seh¬ am¿°-‰nwKv knÃw<br />
Fßs\ F∂p ]Tn-®p.<br />
t]∏dpw t]\-bp-ambn X{¥w Bhn-jv°-cn-®p.<br />
aq∂mw Znhkw Xs‚ D¬]-∂-ßsf aƒ´n seh¬ am¿°-<br />
‰nw-Kn-eqsS hn¬°m-\p≈ ]ckyw ÿesØ {][m\ Zn\-]-{Xß-fn¬<br />
h∂p.<br />
Hcp-amkw sIm≠v hn¬]-\-Iq-Sn. hn¬]\ BI¿jn-°p-hm≥<br />
\mt\m Imdp-Iƒ hsc cta-i≥ Hm^¿ sImSp-Øp. 10-˛-\mt\m<br />
Imdp-Iƒ hsc kΩm-\n-®p. ]{XZzmcm hnPbw \m´p-Im¿ Adn-<br />
p.<br />
]s£ IW-°p-Iƒ ]ng-®Xv hchpw Nnehpw XΩn¬<br />
Iq´nap´msX h∂-t∏m-gm-Wv. ta∑-tb-dnb D¬]∂w henb em`w<br />
D≠m-°p-∂n√ F∂p a\- n-em-°nb cta-i≥ D¬∏-∂-Øns‚<br />
ta∑ Ipd®p Ipd-®p-sIm-≠p-h-∂p. em`w IqSn. AXv am¿°-‰n¬<br />
{]iv\-ap-≠m°n XpS-ßn. t]mb C≥h¿´-dp-I-fpw a‰pw<br />
ho´n¬hsc FØn.<br />
]nSn®p \n¬°p-hm≥ ]‰n√ F∂p t_m≤y-amb cta-i≥<br />
samss_¬ Hm^v sNbvXp. Ftßm t]mbn. ]nt‰∂v ]{X-Øn¬<br />
Imiv sImSp-°msX hm¿Ø \nc-∂p. Ce-Iv{Sm-Wn-Ivkn-eqsS h≥<br />
X´n∏v {]Xn Hfn-hn¬.<br />
hm¿Ø hmbn®v kmhn{Xn t_m[w-sI´v hoWp.<br />
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 13
............................................................................................................................................<br />
hyhkmb\mZw<br />
kp{]ow- tIm-SXn DØ-chv<br />
s]meq-jy≥ I¨t{Smƒ t_m¿Uns‚ ]pXnb DØ-chv {]Imcw<br />
sNdp-InS hyh-kmb bqWn-‰p-Iƒ AS-®p-]q-´¬ `o£-Wn-bn¬<br />
14 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM