Vyavasaya Nadham June 2013 - KSSIA Kottayam

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hyhkmb\mZw
tIcf kwÿm\ sNdp-InS hyh-kmb
Atkm-kn-tb-j≥ Pn√m bqWn‰v, tIm´bw ˛-13
t^m¨: 2567570
hm¿jnI s]mXp-tbmK t\m´okv
KSSIA/K/85/2013 25-06-2013
kplr-Øp-°sf
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kn-tb-j\v tIm´bw Pn√m bqWn-‰ns‚ 37-˛mw hm¿jnI
s]mXp-tbmKw Xmsg-]-d-bp∂ Imcy-]-cn-]mSn A\p-k-cn®v {]kn-U‚ v {io. Pbnwkv CΩm-\p-h-ens‚
A≤y-£-X-bn¬ \S-Øp-hm≥ Xocp-am-\n-®n-cn-°p-∂p.
ÿew: sI.-F-kv.-F-kv.-sF.-F. lmƒ, tImSn-a-X, tIm´bw
(C≥U-kv{Sn-b¬ FtÉv tImSn-a-X, tIm´-bw. shÃv t]meokv tÃj\v kao]w)
XobXn: 18-˛07-˛2013 hymgw kabw 4.00 ]n.-Fw.
Imcy-]-cn-]mSn
♦ Cuiz-c-{]m¿∞\
♦ kzmKXw
♦ s]mXp-tbmK t\m´okv
♦ A≤y£ {]kwKw
♦ 36-˛-m-aXv hm¿jnI s]mXp-tbm-K-Øns‚ an\n-‰vkv ]m m-°p-I.
♦ 2012-˛13 se hm¿jnI dnt∏m¿´v Ah-X-c-Ww ˛ hm¿jnI dnt∏m¿´n-s\-∏‰n N¿®
♦ 2012-˛13 se hm¿jnI hchp Nnehp IW-°p-Iƒ ]m m-°pI
♦ BUn-‰-dpsS \nba\w, {]Xn-^ew \n›-bn-°¬
♦ {]ta-b-ßfpw tNmZy-ß-fpw
♦ A≤y£≥ A\p-h-Zn-°p∂ CXc hnj-b-߃
♦ hnZym-`ymk Ahm¿Uv hnX-cWw
♦ kwÿm\ Atkm-kn-tb-j≥ {]h¿Ø\߃
♦ IrX-⁄X
F√m AwKßfpw IrXy-k-a-b-Øp-Xs∂ tbmK-Øn¬ kw_-‘n-°-W-sa∂v A`y¿∞n-°p-∂p.
F∂v Pn√m IΩ-‰n-°p-th≠n
_nt\mZv amXyp
(sk{I-´dn)
1. 2012 G{]n¬ 1 apX¬ 2013 am¿®v 31 hsc-bp≈ hm¿jnI dnt∏m¿´v CtXm-sSm∏w D≈-S°w sNbvXn-cn-°p-∂p.
2. s]mXp-tbm-K-Øn¬ Ah-X-cn-∏n-t°≠ {]ta-b-ßfpw tNmZy-ßfpw 2013 Pqsse 11˛mw Xob-Xn-°p-≈n¬ Atkm-kn-tb-j≥
Hm^o-kn¬ e`n-®n-cn-t°-≠-Xm-Wv.
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∏-
Sp-Ønb tIm∏n 11-˛07-˛2013 Xob-Xn°v apºmbn Atkm-kn-tb-j≥ Hm^o-kn¬ e`n-®n-cn-t°-≠-Xm-Wv.
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 3

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hyhkmb\mZw
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kn-tb-j≥ (sI.-F-kv.-F-kv.-sF.-F)
tIm´bw Pn√m bqWn‰v
{]h¿Ø\ dnt∏m¿´v 2012-˛13
kplr-Øp-°-sf,
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kn-tb-j≥ tIm´bw bqWn-‰ns‚ 37˛maXv
hm¿jnI s]mXp-tbm-K-Øn-te°v \nßsf Gh-tcbpw Rm≥ lm¿±-h-ambn kzmKXw
sNøp∂p.
sI.-F-kv.-F-kv.-sF.-F. tIm´bw Pn√m bqWn‰ns‚ 2012-˛2013 se {]h¿Ø\ dnt∏m¿´v
\nß-fpsS AwKo-Im-c-Øn\mbn ka¿∏n-°p-∂-Xn¬ Cu `c-W-k-an-Xnbv°v AXn-bmb
kt¥m-j-ap≠v.
Atkm-kn-tb-j≥ IW-°p-Iƒ HmUn‰v sNøp-∂-Xn-te°v 2012-˛2013se HmUn-‰-dmbn
{io. Fw.-sI. Ipcp-hnf Nm¿t´¿Uv A°u-≠‚ns\ 36-˛-m-aXv hm¿jnI s]mXp-tbmKw
\n›bn®p.
`c-W-k-anXn
2012˛2013 {]h¿Ø\ h¿j-Øn¬ 12 Pn√m IΩn-‰n-
Iƒ IqSp-Ibpw kwL-S\m {]h¿Ø-\-߃ Imcy-
£-a-am-°p-∂-Xn-\p-th≠ I¿Ω-]-cn-]m-Sn-Iƒ Bkq-
{XWw sNøp-I-bp-≠m-bn.
Atkm-kn-tb-j\v Pn√m-X-e-Øn¬ {]mXn-
\n[y-ap≈ {][m\ Kh. IΩ-‰n-Iƒ:
1. Pn√m-Xe _mnwKv Ah-tem-I\ kanXn
_mnwKv kw_-‘n® F√m Imcy-ßfpw aq∂v amk-
Øn-sem-cn-°¬ Cu IΩ-‰n-IqSn hne-bn-cp-Øp-∂p.
Ign kmº-Øn-I-h¿jw \mev ao‰nwKpIƒ \S-∂p.
_mp-I-fpsS hnhn[ {]h¿Ø-\-߃ N¿® sNøp-
Ibpw hmbv]m ]≤-Xn-Iƒ Bkq-{XWw sNøp-Ibpw
sNøp∂ Cu tbmK-Øn¬ hnhn[ Bh-iy-߃
Atkm-kn-tb-j≥ s]mXp-hmbn D∂-bn-®n-´p-≠v. Nneh
\S-∏n-em-°p-hm≥ km[n®p NneXv _mns‚ ]cn-K-
W-\-bn-epam-Wv.
2. {Ko≥ Nm\¬ IΩn‰n
hnhn[ ¢nb-d≥kp-Iƒ hyh-kmb bqWn-‰p-Iƒ°v
\¬Ip-∂-Xn\v Cu IΩ‰n IqSn-bmWv Xocp-am\w FSp-
°p-∂-Xv. Cu tbmK-ßfn¬ Atkm-kn-tb-j≥ AwKß-fm-b-h¿
Dƒs∏-sS-bp-≈-h-cpsS hnj-b-߃ N¿®
sNbvXp ]cn-l-cn-°p-hm≥ {ian-®n-´p-≠v.
3. sshZypXn D]-t`m‡ D]-tZ-iI kanXn
aq∂v amk-Øn-sem-cn-°¬ Cu IΩ-‰n-IqSn, sshZypXn
kw_-‘-amb ]cm-Xn-Iƒ ]Tn®v ]cn-lmcw ImWp-
∂-Xn-\p≈ \n¿t±-i-߃ cq]-s∏-Sp-Øp-∂p. Cu kan-
Xn-bpsS ao‰nwKv aq∂v amk-Øn¬ Hcn-°¬ ]≈w
U]yq´n No^v F©n-\o-b-dpsS Hm^o-kn¬ IqSn.
tIm´bw Pn√-bnse sshZypXn {]iv\-߃ hne-bncpØn
]cn-lm-c-am¿§-߃ ImWp-∂p.
4. ssk‰v ske-£≥ IΩ‰n
hyh-kmb tπm´p-Iƒ Is≠-Øm≥ {ian-°p-∂Xn\v
Pn√m hyh-kmb tI{μsØ klm-bn-°p∂p. ao\-Sw,
_nt\mZv amXyp
sk{I-´dn
InS-ßq¿, ISp-Øp-cpØn ]©m-b-Øp-I-fnse an\n
hyh-kmb FtÃ-‰n-\p≈ ÿew Is≠-Øp-Ibpw
Bb-Xn-\p≈ A\-¥c \S-]Sn Pn√m hyh-km-b-tI{μw
hgn \S-Øp-Ibpw sNøp-∂p.
5. Pn√m-Xe hyh-kmb hnI-k\ IΩ‰n
sNdp-InS hyh-kmb bqWn-‰p-I-fpsS hnhn[ {]iv\-
߃ ]Tn®v ]cn-lmc am¿§-߃ \n¿t±-in-°p-∂p.
Pn√m If-IvS¿ A≤y-£-\m-bp≈ tbmK-Øn¬ kw_-
‘n-°p-Ibpw Pn√-bnse hyh-kmb bqWn-‰p-Iƒ t\cn-
Sp∂ hnhn[ hnj-b-߃ A[n-Ir-X-cpsS {i≤-bn¬s∏-
Sp-Øp-Ibpw sNbvXp.
6. hm‰v {Koh≥kv sk¬
skbn¬kv SmIvkv kw_-‘n® ]cm-Xn-Iƒ F√m
amkhpw c≠mw _p[-\m-gv® Ah-tem-I\w sNøp-∂p.
Cu tbmK-Øn¬ s]mXp-hmb SmIvkv hnj-b-ßfpw
e`y-amb ]cm-Xn-Ifpw A[n-Ir-X-cpsS {i≤-bn¬s∏-
SpØn ]cn-lmcw I≠n-´p-≠v.
8. ]©-h-’c ]≤Xn \b-cq-]o-I-cW IΩ‰n ]©h-’c
]≤-Xn-bn¬ hyh-kmb hf¿® N¿®sNbvXp
Xocp-am-\n-°p-∂p.
9. Grevance Redressal Cell for Small Scale
Entrepreneurs. ao‰nw-Kn¬ ]s-Sp-Øp.
10. Pn√m-Xe D]-t`m‡y kwc-£W kanXn ao‰nw-KpIfn¬
Pn√m. kwÿm-\-X-e-Ønepw ]s-Sp°p∂p.
11. RBI bpsS t\Xr-Xz-Øn¬ Empowered Committee
on MSME Credit ao‰nw-Kn¬ ]s-Sp-Øp.
12. sk≥{S¬ FIvsskkv doPnbW¬ AssUzkdn
IΩ-‰n-bn¬ Atkm-kn-tb-j\v AwKXzap≠v.
Pn√m If-IvS¿, Pn√m hyh-km-b-tI{μw P\-d¬
amt\P¿, skbn¬kv SmIvkv U]yq´n IΩo-j-W¿,
_mv DtZym-K-ÿ¿, a‰v hnhn[ hIp-∏p-I-fnse Db¿∂
DtZym-K-ÿ¿ F∂n-h-cpsS km∂n-≤y-Øn¬ \S-°p∂
4 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM

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hyhkmb\mZw
ta¬∏-d IΩ-‰n-Ifn¬ tIm´bw Pn√m {]kn-U‚ v,
sk{I-´dn tkhy¿ tXmakv sImt≠mSn XpSßnbh¿
Cu IΩ-‰n-I-fn¬ ]cn-K-Wn-t°-≠-Xn\v ChnsS e`n-
°p∂ ]cm-Xn-Iƒ ]Tn®v bYm-k-abw {]kvXpX IΩ-
‰n-I-fn¬ Ah-X-cn-∏n®v th≠ ]cn-lm-c-am¿§-߃
sNdp-InS hyh-kmb bqWn-‰p-Iƒ°v Atkm-kn-tbj≥
sNbvXp sImSp-°p-∂p-≠v. ta¬∏-d IΩ-‰n-
Iƒ bYm-k-abw IqSp-∂-Xn-\m¬, \nß-fpsS ]cm-Xn-
Iƒ Atkm-kn-tb-j≥ Hm^o-kn¬ IrXy-k-a-bØp
Xs∂ FØn-®p-X-c-W-sa∂v A`y¿∞n-°p-∂p.
s]mXp-hmb {]h¿Ø-\-ß-fpw hnhn[ tbmKßfpw
Atkm-kn-tb-j≥ Pn√m IΩ‰n F√m amk-ß-fnepw
tbmKw tN¿∂v AXmXv amksØ {]h¿Ø-\-߃
hne-bn-cp-Øp-Ibpw `mhn {]h¿Ø-\-߃°p≈ \S]-
Sn-Iƒ ssIs°m-≈p-Ibpw sNøp-∂p. Cu tbmK-߃
F√mwXs∂ kPo-hhpw {Inbm-fl-I-hp-amb N¿®-Iƒ
\S-Øp-∂-h-bm-Wv. IqSmsX F√m amkhpw \S-°p∂
hnhn[ Kh. IΩ-‰n-I-fn¬ Atkm-kn-tb-js‚ {]Xn-
\n-[n-Iƒ ]s-SpØv th≠ \S-]-Sn-{I-a-߃ sNøp-
∂p-≠v. kwÿm\ Atkm-kn-tb-j≥ sk≥{S¬ IΩ-
‰n-I-fn-epw, P\-d¬ Iu¨kn¬ tbmK-ß-fn-epw, `mchm-ln-Iƒ
tIm´bw Pn√sb {]Xn-\n-[o-I-cn®v sNdp-
InS hyh-km-bn-I-fpsS {]iv\-߃ N¿® sNøp-Ibpw
]cn-lmcw ImWp-Ibpw sNøp-∂p. Ikv‰wkv
sk≥{S¬ FIvssk-kns‚ doPn-\¬ AssUz-kdn
ao‰nw-Kp-Iƒ. skan-\m-dp-Iƒ, eLptbm-K-߃ F∂nh-bn¬
Atkm-kn-tb-j≥ {]Xn-\n-[n-Iƒ kw_-‘n®v
\ΩpsS hnhn[ Bh-iy-߃ i‡-ambn D∂-bn-°phm\pw
t\Sn-sb-Sp-°phm\pw {ian-®n-´p-≠v.
hm¿jnI s]mXp-tbmKw
Atkm-kn-tb-js‚ 36-˛mw hm¿jnI s]mXp-tbmKw
18-˛7-˛2012 ¬ Pn√m {]kn-U‚ v tUm. ‰n.-kn. tPmk-
^ns‚ A≤y-£-X-bn¬ IqSn. 35-˛mwaXv Pn√m-I-Ω-‰nbpsS
an\n‰vkpw 2011-˛12 se hm¿jnI dnt∏m¿´pw hchp
Nnehp IW-°p-Ifpw tbmKw AwKo-I-cn-®p. 2012-˛13se
HmUn-‰-dmbn Fw.-sI. Ipcp-hnf Nm¿t´¿Uv A°u-
≠‚ v Iºn-\sb tbmKw \nb-an-®p. NSIC Ltd Cochin
tbmK-Øns‚ kvt]m¨k¿ Bbn-cp-∂p.
Ce-£≥ 2012
kwL-S-\-bpsS 2012-˛14 h¿j-sØ-°p≈ `c-W-k-an-
Xnsb Xnc-s-Sp-°p∂-Xn-\v 2012 Pqsse amkw 28˛mw
XobXn \S∂ Xnc-s-Sp-∏n¬ {]kn-U‚mbn {io.
sPbnwkv CΩm-\p-h-epw, sshkv{]-kn-U‚mbn {io.
sI. Zneo]v Ipamdpw 14 Pn√m-I-Ω‰n AwK-ßtfbpw
34 P\-d¬ Iu¨kn¬ AwK-ß-tfbpw Xnc-s-
SpØp. GXm≠v 750 AwK-߃ thms´-Sp-∏n\v FØnt®¿∂p.
]pXnb `c-W-k-anXn 29-˛7-˛2012-˛¬ Npa-X-etb-‰p.
H∂m-aXv \S∂ Pn√m-I-Ω-‰n-bn¬ sk{I-´-dn-bmbn
{io. _nt\mZv amXyp-hpw, tPmbns‚ sk{I-´-dn-bmbn
{io. tXmakv tPm¨ Ipf-ß-cbpw {Sj-dm-dmbn {io.
tXmakv tXmakv Ad-bv°-Ø-dbpw sF-Iy-I-WvtT\
Xnc-s-Sp-°-s∏-´p.
`mc-hm-ln-Iƒ Npa-X-e-tb‰p
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kntb-j≥
tIm´bw Pn√m bqWn-‰ns‚ ]pXnb `mc-hmln-I-fpsS
ÿm\m-tcm-l-Whpw {]h¿Ø\ DZvLm-S-
\hpw Atkm-kn-tb-js‚ tImSn-aX lmfn¬ \S-∂p.
B`y-¥-c-a{¥n {io. Xncp-h-©q¿ cm[m-Ir-jvW≥
apJym-XnYn Bbn-cp-∂p. Atkm-kn-tb-j≥ Pn√m
sk{I-´dn {io. _nt\mZv amXyp kzmKXw Biw-kn-
®p. ÿm\w Hgn-bp∂ Pn√m {]kn-U‚ v tUm. ‰n.-kn.
tPmk^v A≤y-£X hln® tbmK-Øn¬ ap≥
kwÿm\ {]kn-U‚ v {io. tkhy¿ tXmakv
sImt≠mSn ]pXnb `mc-hm-ln-Isf ]cn-N-b-s∏-Sp-Øn.
XpS¿∂v ]pXnb `mc-hm-ln-Iƒ Npa-X-e-Iƒ Gs‰-Sp-
Øp.
A`y-¥-c-a{¥n {io. Xncp-h-©q¿ cm[mIrjvW≥
apJy-{]-`m-j-Whpw ]pXnb `c-W-k-an-Xn-bpsS
{]h¿Ø\ DZvLm-S-\hpw \n¿h-ln®p kwkm-cn-®p.
]pXnb {]kn-U‚ v {io. sPbnwkv CΩm-\p-h¬ Npa-
X-e-Iƒ Gs‰-SpØv kwkm-cn-®p. ÿm\w Hgn-bp∂
Pn√m {]kn-U‚n\v a{¥n {io. Xncp-h-©q¿ cm[m-IrjvW≥
Atkm-kn-tb-js‚ D]-lmcw \¬In. Pn√m
]©m-bØv {]kn-U‚ v {ioaXn cm[m hn.- \m-b¿,
ap≥kn-∏¬ sNb¿am≥ {io. kÆn I√q¿, Pn√m
]©m-bØv AwKw AUz. ^n¬k¨ amXyqkv,
Iu¨kn-e¿ {io. F≥.-F-kv. lcn-›-{μ≥, NSIC
sU]yq´n amt\-P¿ {io. Pntbm tPm¨ Nme-bv°¬
F∂n-h¿ Biw-k-Iƒ t\¿∂p kwkm-cn-®p. sshkv
{]kn-U‚ v {io. sI. Zneo]v Ipam¿ IrX-⁄X tcJs∏-Sp-Øn.
C≥UIvkv FIvkn-_n-j≥
C≥UIvkv FIvkn-_n-j≥ sI.-F-kv.-F-kv.-sF.F
tIm´bw Pn√m LS-I-Øns‚ {]i-kvXn-bpsS {]Xo-
I-am-Wv. XpS¿®-bmbn 18˛-mw h¿j-Øn¬ FØn-\n¬
°p∂ Cu hyh-kmb atlm-’hw Xo¿®-bmbpw
Hmtcm h¿jw ]n∂n-Sp-tºmgpw {]h¿Ø\\ne-hmcw
sa®-s∏-Sp-Øn-bnt´ D≈q.
kzmX-{¥y-Zn-\m-tLmjw
2012 HmKÃv 15˛ mw XobXn cmhnse 8 aWn°v Atkmkn-tb-j≥
Hm^o-kn¬ Pn√m {]kn-U‚ v {io.
sPbnwkv CΩm-\p-h¬ ]XmI Db¿Øn. Pn√m `mchm-ln-Ifpw
IΩ‰n AwK-ßfpw XZ-h-k-c-Øn¬ k∂nln-X-cm-bn-cp∂p.
CX-c-{]-h¿Ø-\-߃
Atkm-kn-tb-j≥ AwK-ß-fpsS ssN\m bm{X
tIm´bw Unkv{SnIv‰v bqWn-‰ns‚ Ncn-{X-Øn¬ BZyambn
hntZi cmPy-tØ°v Hcp C≥U-kv{So-b¬ ÃUn
Sq¿ kwL-Sn-∏n-°p-hm≥ km[n-®-Xn¬ Nmcn-Xm¿∞yap-≠v.
ap∏Xv t]c-S-ßp∂ kwL-Øn\v G{]n¬ 14-˛-mw
XobXn apX¬ 22-˛-mw XobXn hsc ssN\-bnse
jm≥lmbn¬ \S∂ 'China Plas 2012' hyh-kmb
{]Z¿i-\-Øn¬ ]p tNcp-∂-Xn\pw ssN\-bnse
hnhn[ ^mIvS-dn-Iƒ kμ¿in-°p-∂-Xn\pw km[n-®p.
'China Plas 2012' {]Z¿in-°-s∏´ \qX-\-ß-fmb πmÃn-
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 5

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hyhkmb\mZw
Iv, d∫¿ sajo-\-dn-Iƒ ImWp-∂-Xn\pw Ah-bpsS
{]h¿Ø-\-߃ a\- n-em-°p-∂-Xn\pw km[n-®p. ]s-
SpØ F√m-h¿°pw Cu bm{X thdn´ A\p-`hw
Xt∂ Bbn-cp-∂p.
]qh≥Xp-cØv hyh-kmb taJ-e-bn¬ ^b¿
tÃj≥
tIcf kwÿm\ sNdp-InS hyh-kmb Atkm-kntb-j≥
tIm´bw Pn√m Hm^o-kn¬ Bcw-`n® sl¬∏v
UkvIv, C≥U-kv{Sn-b¬ sse{_dn F∂n-h-bpsS
DZvLm-S\ tbmK-Øn-em-bn-cp∂p B`y-¥-c-a{¥n Xncph-©q¿
cm[m-Ir-jvWs‚ {]Jym-]-\w. ]qh≥Xp-cØv
hyh-kmb taJ-e-bn¬ ASn-°-Sn-bp-≠m-Ip∂ Xo]n-
SpØw IW-°n-se-SpØv Atkm-kn-tb-js‚ \nth-Z-
\-Øns‚ ASn-ÿm-\-Øn-em-bn-cp∂p \S-]-Sn. NS-ßn¬
kw_-‘n® [\-Im-cy-a{¥n a{¥n {io. sI.-Fw. amWn
sNdp-InS hyh-kmb bqWn-‰p-I-fpsS \nIpXn kw_-
‘-amb Imcy-߃°v ]cn-lmcw ImWp-∂-Xn\v kXzc
\S-]-Sn-Iƒ kzoI-cn-°p-sa∂pw, sNdp-InS hyh-km-bn-
Isf A[zm-\-h¿§-am-bn-°m-Wp-∂-Xmbpw ]d-p.
sl¬∏v sUkvIv, C≥U-kv{Sn-b¬ sse{_-dn
lmƒ DZvLmS\w
hyh-km-bn-Iƒ°v F√m cwK-ß-fnepw klm-b-l-kvXhp-ambn
Atkm-kn-tb-j≥ hcp-∂p. \nc-h[n taJ-e-
I-fn¬ (skbn¬kv SmIvkv, sk≥{S¬ FIvssk-kv,
_mnw-Kv, A°u-≠vkv, sSIv\n-°¬ XpS-ßnb)
t{]mPIvSv {]n∏-td-j≥ taJ-e-I-fn¬ XpSßn {]mhn-
Wy-ap-≈-h-cpsS Hcp ]m\¬ BWv sl¬∏v sUkv°v
hyh-km-bn-Iƒ°v Bh-iy-ap≈ Adn-hv, a‰v kmt-
XnI XS-k-߃°v D]-tZ-i-߃ F∂nh GXp
{]tXyI taJ-e-bn-emtWm Bh-iy-ap-≈Xv AXv
AXmXv ]m\¬ CS-s]´v th≠Xp sNøpw. Cu
{]h¿Ø-\-߃ ]pXnb kwcw-`-I¿°v hgn-Im-´nbpw
\ne-hn-ep≈ kwcw-`-I¿°v XpW-bmbpw {]h-¿Øn®v
Pn√-bpsS hyh-kmb hnI-k-\-Øn¬ ]p-tN-cp-hm≥
Ign-bpw. Cu hnZ-Kv[-cpsS Iq´mb N¿®-Ifpw Cu
sUkv°n¬ \S-Ø-s∏-Sp-∂-Xm-bn-cn-°pw. ASpØ `c-
W-k-anXn ta¬∏-d--h-bpsS {]h¿Ø-\-߃
\ΩpsS apgp-h≥ AwK-߃°pw {]tbm-P-\-s∏-Sp-Ø-
Ww.
Atkm-kn-tb-j≥ Pn√m {]kn-U‚ v tUm. ‰n.-kn.
tPmk^v A≤y-£X hln® tbmK-Øn¬ _lp. [\-
Imcy a{¥n {io.-sI.-Fw. amWn C≥U-kv{Sn¬
sse{_dn lmfns‚ DZvLm-S-\-hpw, _lp. B`y-¥c
a{¥n {io. Xncp-h-©q¿ cm[m-Ir-jvW≥ sl¬∏v
sUkv°ns‚ DZvLm-S-\-hpw, Pn√m ]©m-bØv AwKw
{io. ^n¬k¨ amXypkv ]pXp°n ]WnX tIm¨^d≥kv
lmfns‚ DZvLm-S-\hpw \n¿h-ln-®p. Atkmkn-tb-j≥
Pn√m sk{I-´dn kzmK-Xhpw ssh. {]kn-
U‚ v IrX-PvRbpw ]d-p. sse{_-dn lmƒ \n¿Ωn-
°p-∂-Xn\pw s]mXp ao‰nwKv lmƒ ]cn-jv°-cn-°p-∂-
Xn\pambn 8.5 e£-tØmfw cq]mbmWv Cu `c-Wk-anXn
sNe-h-gn-®-Xv. AwK-ß-fpsS kl-I-c-W-Øn\v
\nkvXp-e-amb IrX-⁄-Xbpw Adn-bn-°p∂p.
A\ptim-N\w
\ncym-X-cmb Atkm-kn-tb-j-≥ AwK-߃ {io.-]n.-
F. G{_lmw (slbn¬ tacn Snwtº-gvkv, ]qh≥XpcpØv
tIm´-bw, {io. tXma- v. ‰n. h¿§o-kv, ]n.-Fw.
Atkm-kn-tb-‰v, ]qh≥Xp-cpØv tIm´-bw, {ioaXn
adnbw h¿§o-kv, (anUm-kv{Kq-∏v, tIm´bw), ap≥
kwÿm\ {Sj-d¿ {io. ]n.-]n. tPmk^v Fd-Wm-Ipfw
F∂n-h-cp-sSbpw, Atkm-kn-tb-j≥ AwK-ß-fm-bn-´p-
≈-h-cpsS _‘p-°-fp-sSbpw tZl-hn-tbm-K-Øn¬
Atkm-kn-tb-js‚ A\p-tim-N\w tcJ-s∏-Sp-Øp-
Ibpw _‘p-°sf kμ¿in®v A\p-tim-N\w Adnbn-°p-Ibpw
sNbvXn-´p-≠v.
hnZym-`ymk Ahm¿Uv
2012se hnZym-`ymk Ahm¿Uv 36-˛m aXv hm¿jnI
s]mXp-tbm-K-Øn¬ {]kn-U‚ v tUm. ‰n.-kn. tPmk^v
Xmsg -]-d-bp-∂-h¿°v hnX-cWw sNbvXp.
Ahm¿Up-Iƒ kvt]m¨k¿ sNbvXXv {io.-sI.-sP.
tPmk^v, bqWn-th-gvk¬ _n¬UnwKv t{]mUIvSvkv
Ab¿°p-∂w, {io. tPmjvtam≥ temd≥kv, AtimIm
d∫¿ ^mIvS-dn, Nß-\m-t»-cn, {io. Fw.-Un. tPm¨,
tPm¨k¨ πmÃn-Iv, amΩqSv, {io. Un‰p tPm¨,
UntPm d∫¿,- ]qh≥XpcpØv. F∂o AwK-߃
Bbn-cp-∂p.
hnZym-`ymk Ahm¿Un\v A¿l-cm-b-h¿
Plus 2 : ICSE
Thobias Thomas, S/o Thomas John Kulangara,
Consolidated Wood Industries,Chingavanam
Plus 2 : Ist Prize
Aswathy R. Vellattil, D/o. V. Raghukumar, Aiswariya
Polymers Pvt Ltd, Prumbaikad, Kottayam.
Plus 2 : 2nd Prize
Meenu Thomas V., D/o Silu. C. Thomas, Royal
Handicrafts, Kottayam
10th CBSE : Ist Prize
Gautham S. Nair, S/o. S. Sasikumar, Anitha Plastics,
Vazhoor
10th CBSE : 2nd Prize
Grittu. K. Cherian, S/o. M.C. Kuriakose, Momo Rubbers,
Ithitanam
CONSOLATION PRIZE
1. Anadu Krishnan N.J.
D/o. P.K. Jayakumar, Chass Engg, Ettumanoor
2. Meghala Ann John, D/o. John John P., Annas Rubber
Products, Poovanthuruthu
3. Sandra Elsa Benoy
D/o. Benoy Kurian, Stell Tech, Chingavanam
6 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM

............................................................................................................................................
hyhkmb\mZw
SSLC : 1st Prize
Husna Fathima M.N. C/o Nazar M.K., Emkay Cement
Products, Mundakayam
SSLC : 2nd Prize
Shilpa. K. Cherian D/o. K.M. Cheriyan, St. Mary's
Grindings Workers, Kuzhimattom
Consolation Prize
1. Neenu Mary Saji. D/o Saji Kuruvilla, Vazhapparampil
Agencies & Services, Ayarkunnam.
2. Mariya K. Joy, D/o. K.M. Joy, Kattiyankal, Rubber
Industries, Poovanthuruthu.
SPECIAL PRIZE
B.Tech
Teena Thomas V., D/o. Silu C. Thomas, Royal Handicrafts,
Nattakom.
[\-Im-cy-a{¥n {io. sI.-Fw. amWn-bpambn
apJmapJw ]cn-]m-Sn.
2˛10-˛2012-˛¬ Atkm-kn-tb-j≥ tIm´bw Hm^o-kn¬
kwL-Sn-∏n® Cu apJm-apJw ]cn-]mSn h≥ hnP-b-ambn-cp-∂p.
[\-Im-cy-h-Ip-∏nse sU]yq-´n-I-Ωo-j-W¿
Dƒs∏-sS-bp≈ apXn¿∂ DtZym-K-ÿcpw a{¥n-tbmsSm∏w
tbmK-Øn¬ kw_-‘n®v AwK-ß-fpsS ]cm-
Xn-Iƒ°pw \n¿tZ-i-߃°pw ]cn-lmcw ImWp-∂-Xn-
\p≈ \S-]-Sn-Iƒ kzoI-cn-®p. Pn√m {]kn-U‚ v
Pbnwkv CΩm-\p-h¬ A≤y-£X hln-®p.
HmWm-tLm-j-]-cn-]m-Sn-Iƒ
Atkm-kn-tb-j≥ AwK-߃°mbn \o≠q¿ sP.Fkv.
^man¬ \S∂ HmWm-tLmj ]cn-]m-Sn-Iƒ Pn√m
{]kn-U‚ v Pbnwkv CΩm-\p-h¬ DXvLm-S\w sNbvXp.
AwK-ß-fpw IpSpw-_mw-K-ßfpw Dƒs∏sS 200 Hmfwt]¿
]s-Sp-Øp. Ip´n-Iƒ°pw apXn¿∂-h¿°p-ambn
hnhn[ a’-c-ßfpw {Iao-I-cn-®n-cp-∂p. hnP-bn-Iƒ°v
Atkm-kn-tb-js‚ hI-bmbn kΩm-\ßfpw \¬In.
kzmZn-jvS-amb `£-Whpw CtXm-S-\p-_-‘n®v {Iao-
I-cn-®n-cp-∂p.
HmW°n-‰v hnX-c-W-Øn¬ kl-I-cn®p
tIm´bw t]meokv kq{]-≠n‚ v {io. sI. cmP-tKm-
]m¬ sF.-]n.-Fkns‚ t\Xr-Xz-Øn¬ P\-ssa{Xn
t]meokv HmW-Øn\v ]mh-s∏´ P\-߃°v GXm≠v
5000-tØmfw HmW-°n-‰p-Iƒ hnX-cWw sNbvXp. B`y-
¥-c-a{¥n _lp. Xncp-h-©q¿ cm[m-Ir-jvWs‚
{]tXyI Xm¬]cy {]Im-c-amWv Cu al-Ømb ]cn-
]mSn kwL-Sn-∏n-®-Xv. sNdp-InS hyh-kmb Atkmkn-tb-j≥
tIm´bw bqWn‰v Cu alZv kwcw-`-Ønte°v
15,500 cq]m (100 In‰v) kw`m-h\ sNøp-Ibpw
hnX-cW kwcw`NS-ßp-I-fn¬ Pbnwkv CΩm-\p-th¬,
tkhy¿ tXmakv sImt≠m-Sn, _nt\mZv amXyp, Zneo-
]vIp-am¿ F∂n-h¿ ]s-Sp-°p-Ibpw sNbvXp.
kwÿm\ IΩ‰n Xnc-s-Sp∏v
Atkm-kn-tb-j≥ kwÿm\ IΩ-‰n-bn-te°v \S∂
Xnc-s-Sp-∏n¬ tIm´bw Pn√-bn¬ \n∂v 6 P\-d¬
Iu¨kn¬ AwK-߃, kwÿm\ IΩ‰n AwKßfmbn
sFIy-I-WvtT\ Xnc-s-Sp-°-s∏-´p. {io.
tkhy¿ Nmt°m, {io. ‰n.-sP. sk_m-Ãy≥, tUm.
‰n.-kn. tPmk-^v, {io. kmhn tPm¨, {io. tPmkv
tXma-kv, AUz. ]n.-kn. cmcn-®≥. CXn¬ kwÿm\
tPmbns‚ sk{I-´-dn-bmbn tUm. ‰n.-kn. tPmk^v Xncs-Sp-°-s∏-´p.
{io. sI.-]n. cma-N-{μ≥\m-b¿ {]kn-
U‚mb kwÿm\ IΩ‰n 2012 BKÃv 6˛mw XbXn
Npa-X-e-tb-‰p.
tkmjy¬ skIyq-cn‰n ^≠v.
2011-˛12 Ime-b-f-hn¬ tkmjy¬ skIyq-cn‰n ^≠n¬
\n∂pw \ncym-X-\mb {io. tXmakv ‰n. h¿Ko-kns‚
`mcy amb tXma-kn\v 10 e£w cq] [\-Im-cy-a{¥n
{io. sI.-Fw. amWn \¬In. IqSmsX sshZy-k-lmb
]≤Xn {]Imcw {io. sI.-Fw. sNdn-bm\v 64,000/-˛
cq]mbpw e`n-®p. ]pXp-Xmbn Cu ]≤-Xn-bn¬ 50 AwK߃
Cu Ime-b-f-hn¬ tN¿∂n-´p-≠v. tIm´bw Pn√m
saº¿jn-∏n¬ kwÿm-\Øv c≠mw ÿm\w t\Sn.
C≥UIvkv 2013 t{_mj¿ {]Im-i\w
2012 HIvtSm-_¿ amkw 2˛-mw XobXn Atkm-kn-tbj≥
Hm^o-kn¬ \S∂ NS-ßn¬ {]kv¢_v sk{I-
´dn {io imep amXyp-hn\v \¬In-sIm≠v C≥UIvkv
2013 s‚ t{_mj¿ [\-Im-cy-a{¥n {io. sI.-Fw. amWn
{]Im-i\w sNbvXp.
Pn√m -]-©m-bØv tIcf]ndhn Zn\m-tLmjw
Pn√m ]©m-bØv tIm´-bØv \hw-_¿ 1˛-mw XobXn
\S-Ønb tIc-f-∏n-dhn tLmj-bm-{X-bnepw s]mXpk-tΩ-f-\-Ønepw
Atkm-kn-tb-j≥ kl-I-cn-®p.
tLmj-bm-{X-bn¬ Atkm-kn-tb-j≥hI {]tXyI
tπm´pw Ah-X-cn-∏n-®p. s]mXp-k-tΩ-f-\-Øn¬ Pn√m
]©m-b-Øns‚ D]-lmchpw Atkm-kn-tb-j\v {]kn-
U‚ v {io. sPbnwkv CΩm-\p-th¬ G‰p-hm-ßn.
]ªnIv t{]mIyq¿sa‚ v t]mfnkn skan-\m¿
tÉv seh¬ sh≠¿ Uh-e-]vsa‚ v t{]m{Kmw
sNdp-InS hyh-kmb C≥Ãn-‰yq-´n-s‚bpw, Atkm-kntb-j-s‚bpw,
Nß-\m-ticn C≥U-kv{So-b¬ FtÉv
Atkm-kn-tb-j-s‚bpw B`n-ap-Jy-Øn¬ 21-˛-mw XobXn
_p[-\mgvN Nß-\m-ticn hyh-kmb FtÉn-ep≈
tIma¨ s^kn-en‰n sk‚-dn¬ h®v ]ªnIv
t{]mIyp¿sa‚ v t]mfnkn skan-\m¿ \S-∂p. Atkmkn-tb-j≥
Pn√m {]kn-U‚ v {io. Pbnwkv CΩm-\pth¬
skan-\m¿ DZvLm-S\w sNbvXp. ]ªnIv
t{]mIyp¿sa‚ v t]mfnknbpsS `mK-am-bp≈ sF.-Fkv.-H.
k¿´n-^n-t°-j≥, _m¿tIm-UnwKv, t{SUv am¿°v
XpS-ßn-b-hbpw Ahbv°v tI{μ Kh¨sa‚ v
\¬Ip∂ k_vk-Un-I-sf-∏-‰nbpw sU]yq´n Ub-d-
IvS¿ (MSME -DI) {io KmtU chn kwkm-cn-®p. d∫¿
t_m¿Uns‚ ]¿t®kv t]mfn-kn-I-sf-∏‰n tUm. cmPo-
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 7

............................................................................................................................................
hyhkmb\mZw
h≥ kwkm-cn-®p. sIm®n≥ jn∏vbm¿Uns‚ ]¿t®kv
t]mfn-kn-sb-∏-‰n-bp≈ ]Δ¿ t]mbn‚ v {]kt‚j\pw
D≠m-bn-cp-∂p. MSME-DI Akn-Â v Ub-d-IvS¿
{ioaXn I{Xo-\mΩ sk_m-Ãy≥ kzmKXw Biwkn-®p.
{io. tkhy¿ tXmakv sImt≠mSn, Nß-\mticn
C≥U-kv{So-b¬ FtÉv Atkm-kn-tb-j≥
{]kn-U‚ v {io. sPbnwkv apf-h\ F∂n-h¿ Biwk-Iƒ
t\¿∂p kwkm-cn-®p. MSME -DI Akn-Â v
Ub-d-IvS¿ {io. sI. sP. tPm¨k¨ IrX-⁄X
]d-p. tbmK-Øn¬ 75 sNdp-InS hyh-kmb bqWn-
‰p-I-fpsS {]Xn-\n-[n-Iƒ ]s-Sp-Øp.
C≥UIvkv 2013
Atkm-kn-tb-£s‚ apJy ]cn-]m-Sn-bmb C≥UIvkv
hyh-kmb hmWnPy {]Z¿i\w 2013 P\p-hcn 25 apX¬
31 hsc amΩ≥am-∏nf lmfn¬ \S-∂p. 25\v ap≥kn∏¬
sNb¿am≥ {io. Fw.-]n. kt¥m-jvIp-am¿ taf DZvLm-
S\w sNbvXp. 27\v \S∂ s]mXp ktΩ-f\w _lp-ap-
Jy-a{¥n {io. DΩ≥ Nm≠n DZvLm-S\w sNbvXp.
tbmK-Øn¬ Pn√-bnse anI® hyh-kmb kwcw-`-
I¿°p≈ Ahm¿Up-Iƒ apJy-a{¥n hnX-cWw
sNbvXp. Gjym-s\-‰ns‚ s_Ãv an\n-ÿ ]pckvImcw
t\Snb B`y-¥-c-a{¥n {io. Xncp-h-©q¿
cm[m-Ir-jvW-\v kwÿm\ {]kn-U‚ v {io. sI.-]n.
cma-N-{μ≥ \mb¿ Atkm-kn-tb-js‚ saat‚m
\¬In BZ-cn-®p. Pn√m ]©m-bØv {]kn-U‚ v, NSIC,
MSME bnse Db¿∂ DtZym-K-ÿ¿, ap≥kn-∏¬
sNb¿am≥, Ie-IvS¿ F∂n-hcpw tbmK-Øn¬ kwkmcn-®p.
taf-tbm-S-\p-_-‘n®v hnhn[ skan-\m-dp-Iƒ \S-
∂p. taf P\p-hcn 31\v kam-]n-®p.
BEST SME Ahm¿Uv
2012 h¿jsØ anI® hyhm-b-kw-cw-`-I¿°p≈
Ahm¿Up-Iƒ C≥UIvkv˛2013 s]mXp ktΩ-f-\-
Øn¬ apJy-a{¥n hnX-cWw sNbvXp. {io. tPmk^v
sk_m-Ãy≥ satΩm-dn-b¬ SSI Ahm¿Uv \nd-\mgn
tdmf¿ ^vfh¿an¬ Nß-\m-t»-cn-°p-th≠n sNb¿am≥
{io. tkhy¿ Nmt°mbpw _nkn-\kv FIvk-e≥kv
Ahm¿Uv Sn¬tIm¨ sh≥®¿ enan-‰-Un-\p-th≠n
amt\-PnwKv Ub-d-IvS¿ {io. PnΩn tPmk^pw _Ãv
F‚ vd¿{]-\¿ Ahm¿Uv I.P.S.R. skeyp-j≥ enan-‰-
Un-\p-th≠n amt\-PnwKv Ub-d-IvS¿ tUm. sa≥Ukv
tP°_pw apJy-a-{¥n-bn¬ \n∂v G‰p-hm-ßn.
^pUv tk^v‰n ssek≥knwKv skan\m¿
sI.-F-kv.-F-kv.-sF.-F. tIm´bw bqWn‰pw Assocham,
Bangalore B`n-ap-Jy-Øn¬ Unkw-_¿ 4˛mw XobXn
\S∂ ^pUv tk^v‰n ssek≥knwKv skan\mdn¬
40 bqWn‰pIƒ ]sSpØp. ^pUv tk^v‰n
AtXmdn‰n Hm^v C≥Uym, Pn√m ^pUv tk^v‰n
Hm^ok¿ a‰v Xmeq°v Hm^ok¿am¿ F∂nh¿
skan\mdn¬ ]sSpØv hnhn[ \nbaßsf∏‰n
kwkmcn°pIbpw ]sSpØhcpsS kwib߃°v
adp]Sn \¬IpIbpw sNbvXp.
kzoI-cWw \evIn
sNdp-InS hyh-kmb Atkm-kn-tb-j≥ tIm´bw
Pn√m IΩ-‰n-bpsS B`n-ap-Jy-Øn¬ tIm´bw ap≥kn-
∏¬ sNb¿am≥ {io. Fw.-]n. kt¥m-jvIp-am¿,
knUvtIm t_m¿Uv AwK-ambn \nb-an-X-\mb Nß\mt»cn
kn.-sI. d∫¿ C≥U-kv{Sokv DS-a-bp-amb {io.
kn.-sP. tPmk^v F∂n-h¿°v 20-˛12-˛2012 se Pn√m
IΩ-‰n-tbmS\p_-‘n®v \S∂ NSßn¬ kzoI-cWw
\¬In.
hyh-kmb kwKaw
Atkm-kn-tb-j≥ kwÿm-\-X-e-Øn¬ Xncp-h-\-¥-
]p-cØv 2013 P\p-hcn 30\v \S-Ønb hyh-kmb
kwKaw h≥hn-P-b-am-bncp-∂p. tIm´-bØv \n∂v 200
AwK-߃ kwK-a-Øn¬ ]s-Sp-Øp.
hyh-km-b-\mZw
Atkm-kn-tb-js‚ tIm´bw Pn√m bq-Wn‰ns‚ apJ-
]-{Xn-bmb hyh-km-b-\mZw F√m amkhpw 25 \v
]pdØnd-°p-∂p. Cu amkn-I-bn¬ ]c-kyw, teJ-\-
߃ F∂nh \¬Ip-∂-hsc {]tXyIw \μn Adn-bn-
°p-∂p.
IrX-⁄X
hyh-kmb kw_-‘-amb Imcy-߃ N¿® sNøp-hm-
\pw, Bh-iy-amb Xocp-am-\-߃ FSp-°p-hm\pw N¿®mtbm-K-߃
kwL-Sn-∏n-°p-hm\pw a‰p-ambn ipjvIm¥n
ImWn® apJy-a{¥n {io. DΩ≥Nm-≠n, B`y¥ a{¥n
{io. Xncp-h-©q¿ cm[m-Ir-jvW≥, hyh-kmb a{¥n {io.
]n.-sI. Ipm-en-°p-´n, [\-Im-cy-a{¥n {io. sI.-Fw.
amWn, a‰v a{¥n-k-`mw-K-߃, {io. tPmkv.-sI. amWn
Fw.-]n. F∂n-h¿°v Atkm-kn-tb-js‚ F√m {]h¿Ø-
\-ß-fnepw th≠ \n¿t±-i-ßfpw klm-b-k-l-I-c-W-ßfpw
\¬Inhcp∂ tIm´bw Pn√-bnse a‰v Fw.-]n. am¿,
ap≥ Fw.-F¬.-F., {io. hn.F≥. hmk-h≥ a‰v Fw.-F¬.-
F. am¿, a‰v cmjv{Sob t\Xm-°ƒ, kmaq-lnI kmwkvImcnI
cwKsØ {]ap-J¿ F∂n-h-tcm-Sp≈ \n o-a-amb
\μnbpw IrX-⁄-Xbpw tcJ-s∏-Sp-Øn-s°m-≈p-∂p.
hyh-kmb Ub-d-IvS¿, hyh-kmb Ub-d-IvS-td-‰nse
a‰v DtZym-K-ÿ-∑m¿, Pn√m hyh-kmb tI{μw P\-d¬
amt\-P¿, amt\-P¿am¿, Xmeq°v hyh-kmb Hm^ok¿am¿,
tªm°v Xe DtZym-K-ÿ¿, Pn√m hyh-kmb
tI{μ-Ønse DtZym-K-ÿ-∑m¿ F∂n-h-tcm-Sp≈ \μnbpw,
IrX-⁄Xbpw Cu Ah-k-c-Øn¬ Adn-bn-°p∂p.
Atkm-kn-tb-js‚ F√m {]h¿Ø-\-߃°pw F√m
hn[ klm-b-k-l-I-c-W-ß-fpw \¬In hcp∂ Pn√m If-
IvS¿, If-Ivt{S-‰nse a‰v DtZym-K-ÿ¿, skbn¬ SmIvkv
sU]yq´n IΩo-jvW≥, sshZypXn t_m¿Uv sU]yq´n
No^v F©n-\o-b¿, Pn√-bnse sI.-F-kv.-C.-_n. bpsS a‰v
DtZym-K-ÿ¿, sk≥{S¬ FIvsskkv DtZym-K-ÿ¿, Un.-
F-^v.-H. DtZym-K-ÿ¿, hmWn-Py \nIpXn U]yq´n IΩoj-W¿
a‰v DtZym-K-ÿ¿ F∂n-h-tcm-Sp≈ IrX-⁄X
Cu Ah-k-c-Øn¬ {]Im-in-∏n-°p-∂p.
Atkm-kn-tb-j≥ IW-°p-Iƒ BUn‰v sNbvX {io.
Fw.-sI. Ipcp-hnf Nm¿t´Uv A°u-≠‚ v, eoK¬
AssUz-k¿ AUz. sI.-sP. ^nen-t∏mkv Fkv.-sF.-Un.-
8 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM

............................................................................................................................................
hyhkmb\mZw
_n.-sF. U]yq´n P\-d¬ amt\-P¿, a‰v DtZym-K-ÿ¿,
hnhn[ t{SUv bqWn-b≥ `mc-hm-ln-Iƒ F∂n-h-tcm-Sp≈
IrX-⁄-Xbpw Cu Ah-k-c-Øn¬ Adn-bn-°p-∂p.
C≥UIvkv 2013 s‚ hnP-b-Øn-\mbn {]h¿Øn® F√mh¿°pw
IrX-⁄X Adn-bn-°p-∂p.
tIm´bw Pn√m LS-I-Øns‚ \n¿t±-i-߃ ]q¿Wambn
]cn-K-Wn-°p-Ibpw kwÿm-\-X-e-Ønepw
Kh¨sa‚ns‚ {i≤-bnepw Ah-X-cn-∏n-°m≥ klm-bn®
kwÿm\ {]kn-U‚ v {io. sI.-]n. cma-N-{μ≥\m-b¿,
sk≥{S¬ tkm¨ tPmbn‚ v sk{I-´dn tUm. ‰n.-kn.
tPmk^v, a‰v `mc-hm-ln-Iƒ, Pn√m hyh-kmb tI{μw
amt\-P¿ {io. _n. cta-jv, Fkv.-_n.-‰n. sU]yq´n P\-
d¬ amt\-P¿ {io. Pn. cmtP-{μ-Ip-am¿, Fkv.-F-kv.-sF.
{_m©v amt\-P¿ {io. ‰n.-hn. apc-fo-[-c≥, sI.-F-^v.-kn.
ko\n-b¿ amt\-P¿ {ioaXn. Fw. A∂Ω, a‰v {]apJ
[\-Imcy ÿm]-\-ß-fpsS {]Xn-\n-[n-Iƒ, NSIC
tkmW¬ amt\-P¿ {io. hn. Adp-ap-Jw, sIm®n ko\nb¿
amt\-P¿ {io. B¿. ic-h-W-Ip-am¿, A°u≠vkv
amt\-P¿ {io. sI.-hn. Ipam¿, sU]yq´n amt\-P¿ {io.
Pntbm tPm¨ Nme-bv°¬, MSME-DI Xr»q¿, Ub-d-
IvS¿ {io khy-kmNn ]Wn-°-t»cn, a‰p Akn. Ub-d-
IvS¿am¿, Ãm^v, ap≥ kwÿm\ {]kn-U‚ v {io. tkhy¿
tXmakv sImt≠m-Sn, a‰v kwL-S-\m-`m-c-hm-ln-Iƒ, tIm´bsØ
F√m am[y-a-ÿm-]-\-߃, am[ya {]h¿Ø-I¿
F∂n-h-tcmSpw R߃°v i‡-amb t\XrXzw \¬Ip-
I-bpw, {]iv\-ß-sf-s∏‰n Kuc-h-ambn ]Tn®v Ah-X-cn-∏n-
°p-Ibpw, AXp-hgn Atkm-kn-tb-js‚ i_vZw FhnsSbpw
apgßnt°ƒ°m≥ klm-bn-°p-Ibpw sNbvX a‰p
kwÿm-\, Pn√m-Xe `mc-hm-ln-I-tfm-Sp-ap≈ IrX-⁄X
Adn-bn-°p-∂p.
F√m-Øn\pw D]-cn-bmbn F√m {]h¿Ø-\-ß-fpw hnPb-{]-Z-am-°p-hm≥
Pn√sb \bn® Pn√m {]kn-U‚ v, a‰v
Pn√m `mchm-ln-Iƒ, IΩ-‰n-bw-K-߃, Atkm-kn-tb-j≥
AwK-ß-fm-bn-´p≈ bqWn‰v DS-a-Iƒ, Atkm-kn-tb-j≥
Hm^okv Poh-\-°m¿, C≥U-Ivkv˛ 2013 FIvkn-_n-j≥
tPmen-I-fn¬ klm-bn-®-h¿ IqSmsX F√m hm¿jnI
s]mXp-tbm-K-ßfpw kPoh ]m-fn-Ø-ap≈ AwK߃
F∂n-h¿°pw Cu Ah-k-c-Øn¬ {]tXy-I-ambn \μn
tcJ-s∏-Sp-Øp-∂p.
AwK-kw-Jy-bn¬ h≥ h¿≤-\hp hcp-ØnsIm≠v
sNdp-InS hyh-kmb taJ-e-bpsS H´m-sI-bp≈ ]ptcm-K-
Xn°v IqSp-X¬ {]h¿Ø-\-߃ \S-Øp-hm≥ km[n-°pw.
AXp-sIm≠v AwK-kwJy ho≠pw Iq´p-∂-Xn\v \nß-tfmtcm-cp-Ø-cp-tSbpw
Bflm¿∞-amb kl-I-cWw Hcn-
°¬IqSn A`y¿∞n-°p-I-bmWv.
\ΩpsS ]e {]iv\-ßfpw ]cn-l-cn-°p-hm≥ Atkmkn-tb-j\v
Ign-n-´p-≠v. ]e Imcy-ßfpw t\Sn-sb-Sp-
°p-hm-\p-ap-≠v. AXn\v AwK-Xz-_-e-amWv apJy-L-SIw.
IqSmsX tkmjy¬ skIyq-cn‰n ^≠nepw F√m-hcpw
AwKXzw FSp-°-Ww.
XpS¿∂pw \nß-tf-h-cp-sSbpw klmb kl-I-c-W߃
A`y¿∞n-®p-sIm≠v \nß-fpsS AwKo-Im-c-Øn-
\mbn Rm≥ Cu dnt∏m¿´v ka¿∏n-°p-∂p.
F∂v, Pn√m IΩ-‰n-°p-th≠n
_nt\mZv amXyp
(sk{I-´dn)
IqSp-X¬ sshZypXn ]≤XnIƒ thWw
tIc-f-Øns‚ sshZypXn Bh-iy-IX ]cn-l-cn-
°m≥ h¿jw-tXmdpw 300 saKm-hm´v IqSp-X-embn
D¬∏m-Zn-∏n-°m≥ Ign-bp-∂-hn[w ]≤-Xn-Iƒ \S-
∏m-°-W-sa∂p sI.-F-kv.-C.-_n.-H.-F. sk≥{S¬
tkmW¬ sk{I-´dn Ipcy≥ sk_m-Ãy≥ ]d-p.
sI.-F-kv.-C._n Hm^n-tkgvkv Atkm-kn-tb-j≥
kwL-Sn-∏n® skan-\m-dn¬ {]_‘w Ah-X-cn-∏n-
°p-I-bm-bn-cp∂p At±-lw. PÃokv sI.-Sn. tXmakv
skan-\m¿ DZvLm-S\w sNbvXp. hn.-F≥. hmk-h≥
tamU-td-‰-dm-bn-cp-∂p. sI.-]n.-kn.-kn. P\-d¬ sk{I-
´dn eXnIm kp`m-jv, kvtamƒ kvsIbn¬ C≥Ukv{Sokv
Atkm-kn-tb-j\v {]kn-U‚ v Pbnwkv
CΩm-\p-h¬, tIcf imkv{X-km-lnXy ]cn-jØv
Pn√m {Sj-d¿ sI. cmP≥, Atkm-kn-tb-j≥
kwÿm\ tPmbn‚ v sk{I-´dn ]n.-F≥. {]Zo]v
F∂n-h¿ {]kw-Kn-®p.
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 9

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hyhkmb\mZw
2013 G{]n¬ 1˛\p tijw ^yqh¬ k¿®m¿Pv ]mSn√
Please Contact, for more details:
KSSIA, Kottayam. Ph: 2567570
bph-kw-cw-`-I¿°p t{]m’m-l\w \¬Ipw;
[\-Im-cy-a{¥n {io. sI.-Fw. amWn
bph-kw-cw-`-I¿°p th≠ t{]m’m-l\w \¬Im≥
kwÿm\ k¿°m¿ {]Xn-⁄m-_-≤-am-sW∂p a{¥n
sI.-Fw.-amWn ]d-p. tIcf ^n\m≥jy¬ tIm¿]-
td-js‚ C‚-dÃv ks_z≥j≥ kvIow DZvLm-S\w
sNøp-I-bm-bn-cp∂p At±-lw. ]pXnb hyh-kmb
kwcw-`-I¿°p IqSp-X¬ klmb߃ \¬Ipw.
tXm´w hyh-km-b-Øn-s\m∏w hyh-kmb kwcw-`߃°pw
IqSp-X¬ ]cn-K-W\ \¬I-Ww. Fn¬
am{Xta kmº-ØnI hf¿® t\Sm≥ km[n-°p-I-bp-
≈q-sh∂pw At±lw ]d-p. a{¥n Xncp-h-©q¿
cm[m-Ir-jvW≥ A[y-£X hln-®p. sI.-F-^v.-kn.
sNb¿am≥ B≥Uv amt\-Pnßv Ub-d-IvS¿ ]n.- tPmbn
DΩ≥, P\-d¬ amt\-P¿ F.-Pn. Znt\-iv, tkmW¬
amt\-P¿ sI.-F-kv. cmPo-hv, tIcf tÉv kvtamƒ
C≥U-kv{Sokv Atkm-kn-tb-j≥ {]kn-U‚ v
Pbnwkv CΩm-\p-h¬ F∂n-h¿ {]kw-Kn-®p. Xnc-s-
Sp-°-s∏´ 32 hyh-km-bn-Isf Dƒs∏-SpØn hyh-kmb
kwcw-`I kwK-ahpw kwL-Sn-∏n-®n-cp-∂p. kwcw-`-Ian-js‚
hmbv]m ]cn[n Hcmƒ°v A©p-e-£-sa-∂Xv
15 e£w B°-W-sa∂pw, s{IUn‰v Kymc‚n {SÃv
^≠ns‚ {]tbm-P\w KpW-t`m-‡m-°ƒ°v e`n-°-
W-sa∂pw Atkm-kn-tb-j≥ {]kn-U‚ v {io.
Pbnwkv CΩm-\p-h¬ Bh-iy-s∏-´-Xv. a{¥n AwKo-
I-cn-®p.
10 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM

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hyhkmb\mZw
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 11

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hyhkmb\mZw
INDIAN BANKING EVALUATION
Xavier Thomas Kondody
All South East Asia Currencies
are also weakening Against USD
Exporters are not really benefited
Indian Rupee is exchanging at its lowest in its history ie
58.69 per USD. Exporters are supposed to be benefited
by this phenomena but unfortunately India’s competitor’s
currencies’ are also weakening parallel. Currencies of
Thailand, Indonesia, Philippians, Turkey etc. who are
India’s main competitors for one and the same products
to Europe, America, Middle east etc.
However Yuan (Chinese) is showing appreciating trend
which is of course good for Indian exporters. Weakening
is anyway positive for India. Foreign exchange will go as
falling rupee will encourage investment and exports.
Government’s intervention is now very much necessitated
as otherwise balance of payments position would further
deteriorate, because of increasing import cost.
.................................................................................
STATE BANK OF INDIA, LIKELY TO TAKE OVER
GROUP SUBSIDIERY BANKS
Government of India is favoring big banks in the country
and accordingly SBI the mother bank of State Banks may
proceed to take over a few of its subsidiaries in this year
.The first one in the hit list waiting to be taken over is
State Bank of Mysore, State Bank of Indore and SBT are
also in the list follows.
.................................................................................
GARMENTS EXPORTERS
India attains the Status of a factory complainant country
with international retail chains and brands purchasing
Indian brands. Currently India is getting more than USD 3
billion value of garments, for this status. Apparel Export
Promotion Council is working hard for promoting branded
garments exports from India with the help of AEPC.
Common Code of Conduct. .DISHA, an initiative of Ministry
of Textiles.
.................................................................................
TECHNOLOGY IN IT’S CORE...
Year 1770 - Bank of Hindustan established in
Calcutta
1886 - General Bank of India Calcutta
1921 - Bank Of Calcutta, Bank Of Bombay &
Bank Of Madras
Managed to Imperial Bank Of India
1955 - Imperial Bank Of India became State
Bank Of India (SBI)
1969 - All the leading commercial Banks were
Nationalized
1991 - Economic liberalization.
Banks have changed in their operations and moved
towards universal banking along with the increased
usage of technology and tech – based services
offering alternate channels such as smart cards,
ATMs, Internet ,Mobile facilitation, deployment of core
banking, human resources management, enterprise
risk management etc. Non-cash payment system
increased to 88% of all transactions. Cashless and
paperless payment modes are the order of the day.
Indian Banks are billed top globally.
Base III norms are now being implemented to make
Indian Banks stronger as per the directive of RBI..
Next five years are going to be a revolutionary time
once .Based III norms are introduced. Apart from if
Govt of India decides to dilute its shares in Public
Sector banks to 51%, Indian Banking Sector would
see a sea change.
Tail: In spite of all there ,the financial inclusion is
distance apart-
1. 50 % of Indian villages are still without Bank
Branches.
2. There is a huge gap in providing credit to MSME
sector which is the back bone of Indian economy.
3. Interest rates for credits to small scale sectors,
infrastructure projects etc are abnormally high.
4. Non banking Finance Companies are still in the
lending area at high rates to socially and financially
backward people.
5. Banks are potentially profit oriented and have the
credit flow to MSME sector is oriented with high
risk perception . Too forceful dependence on
collateral securities, creating gap in providing
adequate credit, maintaining always 3% plus on
base rates interest , insisting strict legal compliance
enforcing SURFACY in loan recovery. The system
is making exit of failed units extremely difficult.
12 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM

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hyhkmb\mZw
]pXnb X{¥w!
]n.-sI. Pb-Ip-am¿
cta-i≥ tIm´-b-Øp-Im¿°v kp]-cn-Nn-X-\m-Wv. ]´-W-Øn¬ Hcp
_lp-\n-e-sI-´n-S-Øn¬ Ce-Ivt{Sm-WnIvkv IS \S-Øp-I-bm-bn-cp-
∂p \ΩpsS \mb-I≥. At±lw Untπma Ign-p. c≠p aq∂ph¿jw
_mw•qcpw sNss∂-bnepw ]e ^mIvS-dn-I-fnepw tPmen
sNbvXp.
A—-s‚bpw AΩ-bp-sSbpw IqsS Ign-bm-\p≈ B{Klw
tIm´-bØv Hcp IS XpS-ßp-hm≥ t{]cn-∏n-®p. hoSp-Iƒ°v Bhiy-ap≈
Ce-Ivt{Sm-WnIv tNm°v apX¬ C≥th-´¿ hsc cta-i≥
sNøp-∂p. tami-an-√m-Ø hcp-am\w. 5˛-tPm-en-°m¿. ho´n¬
t]mbn-h-cp-hm≥ Ccp-N-{I-hm-l-\w.
cta-i≥ F√m-h-cnepw {]iw-k-t\-Sn. C\n Hcp hnhmlw
BImw. ho´p-Im¿ \n›-bn-®p. kmhn{Xn cta-i\v XpW-bm-bn.
Ime-N{Iw Id-ßp-∂p. cta-i\v Nne-hp-Iƒ h¿≤n-®p. hcp-am-
\hpw IqSp-∂p-≠m-bn-cp-∂p. A∂v D®bv°v ho´n¬\n∂pw tNmdv
FSp-°p-hm≥ cta-i≥ ad-∂p. Fn¬ C≥Uy≥ tIm^n
lukn¬ BImw.
tIm^n lukn¬h®v ]gb kplrØv kptc-jns\ I≠p.
h¿j-߃sIm≠v t\Snb hnti-j-߃ ]p-h-®p. kptcjv
Ct∏mƒ Hcp aƒ´n \mj-W¬ Iº-\n-bnse am¿°-‰nwKv FIvkn-
Iyq-´o-hm-Wv. At±lw temIØv Ct∏mƒ \S-∂p-sIm-≠n-cn-°p∂
am¿°-‰nwKv X{¥w cta-ins‚ ap≥]n¬ h®p.
Rm≥ ]Tn® amt\-Pvsa‚ v Fß-s\bpw ]Ww D≠m-°pI
F∂-Xp-am-{X-am-Wv. \o ]pXnb aƒ´n-\m-j-W¬ Iº-\n-Isf
{i≤n°v.
ChnsS D]-t`m-‡m-hns\ B¿°mWv th≠-Xv. Ahs‚
t]m°-‰n¬ D≈ IW-°n¬s]-SmØ aWn am{Xw.
]≠v C≥Uy-bn¬ D¬]-∂-Øns‚ hne \n›-bn-®Xv D¬]m-
Z-I≥ Bbn-cp-∂p. C∂v amdn. Bh-iy-Im-cs‚ A`n-cpNn t\m°n
In´m-hp∂Øns‚ G‰hpw IqSnb hnebv°v BZyw hn¬°pw.
]ns∂ hne-Ip-d®v Ipd®v Ah-km\w Xd hnebv°pw hn¬°pI
F∂-XmWv ]pXnb X{¥w.
Rm\n-t∏mƒ h¿°v sNøp∂ ÿm]\w CtX coXn-bn¬
BWv hn¬°p-∂-Xv. amkw Hcp-e-£-Øn-\p-ap-I-fn¬ hcp-am-\w.
AXpw henb IjvS-∏m-Sn-√m-sX.
cta-i≥ Hcp \nanjw Xs‚ Ahÿ Btem-Nn-®p. cmhnse
8 aWn apX¬ cm{Xn 8 hsc 12 aWn-°q¿. IjvSn®v 25-˛30 cq]
amkw.
A∂p-cm{Xn cta-i≥ Nn¥-bn-em-bn-cp∂p. Fßs\ IS IqSp-
X¬ Djm-dm-°mw. Hcp aƒ´n seh¬ am¿°-‰nwKv knÃw D≠m-
°n-bmtem?
]nt‰∂v KqKn-fn¬ Ibdn aƒ´n seh¬ am¿°-‰nwKv knÃw
Fßs\ F∂p ]Tn-®p.
t]∏dpw t]\-bp-ambn X{¥w Bhn-jv°-cn-®p.
aq∂mw Znhkw Xs‚ D¬]-∂-ßsf aƒ´n seh¬ am¿°-
‰nw-Kn-eqsS hn¬°m-\p≈ ]ckyw ÿesØ {][m\ Zn\-]-{Xß-fn¬
h∂p.
Hcp-amkw sIm≠v hn¬]-\-Iq-Sn. hn¬]\ BI¿jn-°p-hm≥
\mt\m Imdp-Iƒ hsc cta-i≥ Hm^¿ sImSp-Øp. 10-˛-\mt\m
Imdp-Iƒ hsc kΩm-\n-®p. ]{XZzmcm hnPbw \m´p-Im¿ Adn-
p.
]s£ IW-°p-Iƒ ]ng-®Xv hchpw Nnehpw XΩn¬
Iq´nap´msX h∂-t∏m-gm-Wv. ta∑-tb-dnb D¬]∂w henb em`w
D≠m-°p-∂n√ F∂p a\- n-em-°nb cta-i≥ D¬∏-∂-Øns‚
ta∑ Ipd®p Ipd-®p-sIm-≠p-h-∂p. em`w IqSn. AXv am¿°-‰n¬
{]iv\-ap-≠m°n XpS-ßn. t]mb C≥h¿´-dp-I-fpw a‰pw
ho´n¬hsc FØn.
]nSn®p \n¬°p-hm≥ ]‰n√ F∂p t_m≤y-amb cta-i≥
samss_¬ Hm^v sNbvXp. Ftßm t]mbn. ]nt‰∂v ]{X-Øn¬
Imiv sImSp-°msX hm¿Ø \nc-∂p. Ce-Iv{Sm-Wn-Ivkn-eqsS h≥
X´n∏v {]Xn Hfn-hn¬.
hm¿Ø hmbn®v kmhn{Xn t_m[w-sI´v hoWp.
THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 13

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hyhkmb\mZw
kp{]ow- tIm-SXn DØ-chv
s]meq-jy≥ I¨t{Smƒ t_m¿Uns‚ ]pXnb DØ-chv {]Imcw
sNdp-InS hyh-kmb bqWn-‰p-Iƒ AS-®p-]q-´¬ `o£-Wn-bn¬
14 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM