02.03.2015 Views

Vyavasaya Nadham April 2013 - KSSIA Kottayam

Vyavasaya Nadham April 2013 - KSSIA Kottayam

Vyavasaya Nadham April 2013 - KSSIA Kottayam

SHOW MORE
SHOW LESS

Create successful ePaper yourself

Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.

<strong>2013</strong>-˛14se AwKXzw<br />

]pXp-°p-∂-Xn\v {i≤n-°-Ww<br />

AwKXzw ]pXp-°p∂ \S-]-Sn-Iƒ ]ptcm-K-an-°p-∂p.<br />

50% AwK߃ AwKXzw ]pXp°nbXnep≈<br />

kt¥mjw Adn-bn-°p-∂p. Ign amksØ<br />

{][m\ {]h¿Ø-\-߃ \nß-fpsS {i≤-bn¬s∏-Sp-<br />

Øp-∂p. hm‰v {Ko-h≥kv sk¬ tbmK-Øn¬ AwKß-fpsS<br />

hnhn[ ]cm-Xn-Iƒ ka¿∏n-°p-Ibpw ]cnlmc<br />

am¿§-߃ tXSp-I-bp-ap-≠m-bn. IqSmsX hnhn[<br />

ao‰nwKp-Ifnepw N¿®Ifnepw ]sSp°pIbpw<br />

Atkm-kn-tb-js‚ hnhn[ Bh-iy-߃ D∂-bn-°p-<br />

Ibpw sNøp-I-bp-≠m-bn.<br />

tkmjy¬ skIyq-cn‰n AwK-Xz-ap-≈-h-cn¬ 100<br />

t]¿IqSn tIm¿∏kv ^≠mb 2000/-˛ cq] AS-bv°m-<br />

\p-≠v. F{Xbpw thKw Sn XpI AS®v \nß-fpsS<br />

sI.-F-kv.-F-kv.F-^v.- AwKXzw kPo-h-am-°-W-sa∂v<br />

A`y¿∞n-°p-∂p. IqSp-X¬ hnhc߃°v Atkmkn-tb-j≥<br />

Hm^o-kp-ambn _‘-s∏-S-Ww. Ign<br />

Hcp h¿jsØ {]h¿Ø-\-߃ hne-bn-cp-Øp-∂-Xn\v<br />

hm¿jnI s]mXp-tbmKw ASpØ amk-ß-fn¬ \S-<br />

°p-∂XmWv.<br />

C°gn h¿jw hnhn[ hn`mKßfn¬<br />

Kh¨sa‚n¬\n∂pw Ahm¿Uv e`n® \ΩpsS AwKß-ƒ°v<br />

24-˛mw XobXn Hcp kzoI-c-W-tbmKw {Iao-Icn®n-´p-≠v.<br />

_lp B`y-¥ca{¥n {io. Xncp-h-©q¿<br />

cm[m-Ir-jvW≥ apJym-Xn-Yn-bmbn Cu tbmK-Øn¬<br />

kw_-‘n-°p-∂p. F√m-h-cp-sSbpw kl-I-cWw<br />

A`y¿∞n-®p-sIm≠v.<br />

tkmjy¬ skIyq-cn‰n tIm¿∏kv ^≠n-te°v<br />

2000 cq] hoXw AS-bv°m-\p-≈-h¿ F{X-bpw-thKw<br />

KSSFs‚ _mv A°u-≠n¬ AS-bv°p-hm≥ XmXv]-<br />

cys∏Sp∂p.<br />

<strong>KSSIA</strong> Social Security Fund - SBT- Kalamassery,<br />

Br. Account No. 67106793162.<br />

AwKXzw ]pXp-°p-∂-Xn\v<br />

Atkm-kn-tb-j≥ _mv A°u≠v hnh-c-߃:<br />

A/c Name : <strong>KSSIA</strong> <strong>Kottayam</strong><br />

Bank : SBT, Main Branch <strong>Kottayam</strong><br />

A/c No : 57051739255<br />

IFS Code : SBTR000102<br />

hnt[btØmsS,<br />

_nt\mZv amXyp (sk{I´dn)<br />

Kƒ^n¬ hntZ-i-sXm-gn-emfn \nb-a-\-Øn¬ ]pXnb \nb-a-߃<br />

Kƒ^v tImHm-∏-td-j≥<br />

Iu¨kn¬ (GOC) AwK-cm-<br />

Py-ß-fn-se√mw hntZi<br />

sXmgn-em-fn-Isf \nb-an-°p-<br />

∂-Xn¬ ]pXnb N´-߃<br />

sIm≠p-h-cm≥ t]mIp-∂p.<br />

Ipssh-‰v, _l-dn≥, JØ¿,<br />

bp.-F.-C, Ham≥, kuZn<br />

Atd_y F∂o Bdp cmPyß-fmWv<br />

Cu Iu¨knen-¬<br />

D≈-Xv.<br />

sXmgn¬ Bhiyap≈h¿°p≈ kvIn¬ k¿´n-<br />

^n-°‰v \n¿_-‘-am-°p-IbmWv<br />

G‰hpw {][m-\-s∏´<br />

\n¿t±-iw. Ct∏mƒ Kƒ^n¬<br />

tPmen-sN-øp-∂-hcpw Ah-cptS-Xmb<br />

sXmgn¬ taJ-e-bn¬<br />

kvIn¬ k¿´n-^n-°‰v D≠mt°≠Xmbn<br />

ht∂-°mw.<br />

Fwtπmb-dp-ambn \nb-a-]-cambn<br />

\ne-\n¬°p∂ F{Knsa‚<br />

v I¿i-\-am-°pw.<br />

Ipssh‰v am{Xw Hcp e£w hntZi sXmgnem-fn-<br />

Isf Xncn-®-b-t®-°mw.<br />

THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 3


............................................................................................................................................<br />

hyhkmb\mZw<br />

G{]n¬ H∂v apX¬ hm‰v do^-≠n-\p≈ At]-£-<br />

Iƒ Hm¨sse-\mbn am{Xta ^b¬ sNøm-\mhq.<br />

tIcf hm‰v \nb-a-{]-Imcw aq∂p kμ¿`-ß-fn-emWv<br />

C≥]p´v SmIvkv do^-≠n\v A¿l-X-bp-≈-Xv. Ib-‰pa-Xn,<br />

A¥¿ kwÿm\ hn¬]\/ tÃmIv {Sm≥kv^¿,<br />

h¿jm-¥y-Ønse C≥]p´v SmIvkv s{IUn-‰v.<br />

Hcp amk-Øn¬ AS-bvt°≠ Hu´v]p´v SmIvknt\-°mƒ<br />

IqSp-X¬ C≥]p´v SmIvkv s{IUn‰v Ds≠-<br />

n¬ (tI{μ hn¬]\ \nIp-Xn-bn-te°p hI-h®<br />

tij-ap≈ _m°n s{IUn‰v ASpØ amk-Øn-te°v<br />

hI-bn-cp-Øm-sa-nepw) am¿®nse s{IUn‰v G{]n-ente°v<br />

hI-bn-cp-Øm≥ A\p-h-Zn-°n-√. 11(6) hIp∏v<br />

{]Imcw s{IUn-‰p≈ XpI do^≠v e`n-°m≥ N´w<br />

47 F A\p-k-cn®v t^mw 21 knkn-bn¬ Pq¨ 30<br />

\Iw do^≠v At]£ \¬I-Ww.<br />

Ib-‰p-a-Xn°v Hu´v]p´v SmIvkn-√. Ib-‰p-a-Xn-bpsS<br />

C≥]p´v SmIvkv do^-≠mbn e`n-°m≥ Ib-‰p-aXn<br />

\SØn Hcp h¿j-Øn-\p-≈n¬ N´w 47 A\p-k-cn®v<br />

t^mw 21 knbn¬ do^≠v At]£ \¬I-Ww. N´-<br />

{]-Imcw Ib-‰p-aXn sXfn-bn-°p∂ tcJ-Ifpw a‰pw<br />

At]-£-tbm-sSm∏w lmP-cm-°-Ww.<br />

A¥¿ kwÿm\ hn¬]-\-bpsS Imcy-Øn¬ do^-<br />

≠n-\mbn N´w 46 A\p-k-cn®v t^mw 21 _nbn-ep≈<br />

do^≠v At]£ knFkvSn AN´ amkm-¥y-Øn¬<br />

\n∂pw 30 Znh-k-Øn-\Iw ka¿∏n-°-Ww.<br />

A¥¿ kwÿm\ \o°w sXfn-bn-°p-∂-Xn-\p≈<br />

N´-{]-Im-c-ap≈ tcJ-Ifpw At]-£-tbm-sSm∏w<br />

\¬I-Ww. tÃmIv {Sm≥kv^-dns‚ Imcy-Øn¬ hmßnb-t∏mƒ<br />

5 iX-am-\-Øn¬ IqSp-X¬ \nIp-Xn-bp≈<br />

km[-\-߃°v A©p iX-am-\-Øn¬ IqSp-X-embn<br />

\¬Inb XpIbv°p am{Xsa s{IUn‰v FSp-°m\pw<br />

do^-≠n\pw A¿l-X-bp-≈q. DZm-l-cWw: 13.5 iXam\w<br />

\nc-°p≈ km[-\-߃ tÃmIv {Sm≥kv^¿<br />

sNøp-tºmƒ 8.5 iX-am\w do^≠v (<strong>2013</strong>-˛14¬ \nc°v<br />

14.5 B°n-b-Xn-\m¬ 9.5 iX-am\w s{IUn‰v/ do^≠v<br />

e`n-°pw.) hmßn-b-t∏mƒ 5 iX-am\w \nc°v<br />

\¬Inb km[-\-߃ tÃmIv {Sm≥kv^¿ sNøphm‰v<br />

SmIvkv ]pXnb \n¿t±-i-߃<br />

ss^\m≥kv _n√ns‚ ]›m-Ø-e-Øn¬<br />

1. B\p-h¬ dnt´¨ ka¿∏n-°p-∂-Xn-\p≈ Ah-km\ XobXn tabv 31 hsc \o´n.<br />

2. hm‰v cPn-kvt{S-j≥ FSp-°p-∂-Xn-\p≈ hm¿jnI tStWm-h¿ ]cn[n 15 e£-Øn¬ \n∂pw<br />

10 e£-ambn Db¿Øn. A¥¿ kwÿm\ hym]mcw \S-Øp-∂-h¿ Cu ]cn-[n-bn¬s∏-Sp-I-bn-√.<br />

hm‰v do^≠v: At]£ Hm¨sse≥ hgn<br />

tºmƒ tÃmIv {Sm≥kv^¿ sNøp-tºmƒ s{IUn‰v<br />

do^-≠n\v A¿l-X-bn-√. tÃmIv {Sm≥kv^-dn\pw N´w<br />

46 {]Imcw t^mw 21 _nbn-em-bWv do^≠v At]-<br />

£.<br />

<strong>2013</strong> G{]n¬ H∂p apX¬ F√m do^≠v At]-<br />

£-Ifpw Hm¨sse-\mbn \¬I-Ww. 21 _n, 21 kn,<br />

21 knkn F∂n-ßs\ {]tXyIw t^map-Iƒ D≠mhn-√.<br />

]Icw sh_vssk-‰n¬ Uoe¿ temKn¬ sNbvXv<br />

t^mdw 21 F F do^≠v At]£ Hm¨sse-\mbn<br />

ka¿∏n-°-Ww.<br />

Hm¨sse≥ At]-£-bn¬ \n∂pw GXp hn`m-K-<br />

Øn¬s∏-Sp∂ do^-≠mWv F∂Xv Xnc-s-Sp-°-<br />

Ww. Ib-‰p-a-Xn-s°-Xn-sc-bp≈ do^-≠v, Iym]n-‰¬<br />

KpUvkns‚ C≥]p´v SmIvkv s{IUn‰v do^-≠v, dnt´¨<br />

dnsshkv sNbvX-Xns\ XpS¿∂v A[n-I-ambn AS®<br />

XpI-bv°p≈ do^-≠v, dPn-kvt{S-j≥ "]n≥' \n∂pw<br />

"Sn≥' hn`m-K-Øn-te°v am‰p-∂-Xns\ XpS¿∂v<br />

tÃm°n¬ta-ep≈ C≥]p´v SmIvkv do^-≠v, tÃmIv<br />

{Sm≥kv^-dn-t∑-ep≈ do^≠v F∂n-ßs\ hn`m-Kß-fmWv<br />

Ct∏mƒ sh_vssk‰nse do^≠v t^man¬<br />

ImWp-∂-Xv. A¥¿ kwÿm\ hn¬]-\-bn-t∑-ep≈<br />

do^≠v F∂v {]tXyIw ImWp-∂n-√˛ {]Xy-£-Øn¬<br />

hmWnPy \nIpXn hIp-∏ns‚ hni-Zo-I-cWw e`n-°pwhsc<br />

A¥¿ kwÿm\ hn¬]-\-bn-t∑-ep≈ do^≠v<br />

At]£ t^mw 21 _nbn¬ \¬tI≠n ht∂-°mw.<br />

hnhn[ hn`m-K-ß-fn-ep≈ do^-≠n\v {]tXyIw<br />

At]£ \¬I-Ww. sI.-hn.-F.-Sn.-sF.-F-kn¬ \n∂pw<br />

C≥thm-bnkv Xnc-s-SpØpthWw do^≠v<br />

At]£ \¬Im≥. h¿jm¥y C≥]p´v SmIvkv<br />

s{IUn‰v do^-≠n\v ]t£ C≥thm-bnkv Xnc-s-<br />

Sp-t°≠ Bh-iy-an-√. a‰p kwÿm-\-ß-fn¬ \n∂pw<br />

e`n-®Xpw sI.-hn.-Sn.-sF.-Fkn¬ A]vtemUv sNbvXn-<br />

´p-≈-Xp-amb t^map-Ifpw sI.-hn.-F.-Sn.-sF.-F-kn¬<br />

\n∂pw Xnc-s-Sp-°-Ww.<br />

\ne-hn¬ Hm¨sse≥ do^-≠n\v kwhn-[m-\-an-<br />

√m-Øn-\m¬ do^≠v XpI Uoe-dpsS XpS¿ dnt´-Wn¬<br />

s{IUn‰mbn-thtWm AtXm km[m-cW coXn-b¬<br />

4 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM


............................................................................................................................................<br />

hyhkmb\mZw<br />

do^≠v thmtWm F∂pw Uoe¿ At]-£-bn¬ tcJs∏-Sp-Ø-Ww.<br />

Hm¨sse-\mbn do^≠v At]£ \¬In-btijw<br />

AXns‚ lm¿Uv tIm∏nbpw a‰p tcJ-I-fpambn<br />

Ak- nMv A[n-Im-cn-bpsS ap≥]msI ka¿∏n-<br />

°-Ww. At]£ ]cn-tim-[n®tijw 60 Znh-k-Øn-<br />

\Iw At]£ A\p-h-Zn-°p-Itbm Xnc-kvI-cn-°p-<br />

Itbm sNbvXp-sIm-≠p≈ DØ-chv ]pd-s∏-Sp-hn-°pw.<br />

XpS¿∂v do^≠v A\p-h-Zn® XpI sI.-hn.-F.-Sn.-<br />

sF-F-kn¬ tcJ-s∏-Sp-Øpw. XpS¿ dnt´-Wn¬ s{IUn<br />

‰mbn A\p-h-Zn-°m≥ Xnc-s-Sp-Øn-´p≈ tIkp-Ifn¬<br />

GXp dnt´-Wn¬ s{IUn‰mbn A\p-h-Zn-°m≥<br />

Xnc-s-Sp-Øn-´p≈ tIkp-I-fn¬ GXp dnt´-Wn¬<br />

s{IUn‰v \¬I-W-sa∂v Hm^o-k¿ Xocp-am-\n-°pw.<br />

A{]-Imcw Xnc-s-Sp-Øn-´n-√mØ tIkp-I-fn¬ N´-<br />

{]-Im-c-ap≈ \S-]-Sn-{I-a-ß-f-\p-k-cn®v do^≠v<br />

\¬Ipw.<br />

]cn-ÿn-Xn- temetaJe<br />

am[hv KmKvUn¬<br />

kanXn dnt∏m¿´v ]Tn®v<br />

dnt∏m¿´v ka¿∏n-°phm≥<br />

k¿°m¿ \ntbm-<br />

Kn® IΩn-‰n-bmb<br />

IkvXq-cn- cw-K≥ kanXn<br />

]cn-ÿnXn kw_-<br />

‘n®v sNdp-InS hyhkmb<br />

taJ-esb t\cn<br />

´p _m[n-°p∂ \n¿t±i-߃<br />

tI{μ-k¿°mcn\p<br />

\¬In-°-gn-p.<br />

CuØ-cp-W-Øn¬<br />

]›n-a-L-´-Øn¬s∏-Sp-<br />

Øn-bn-´p≈ ]cn-ÿnXn<br />

teme-ta-J-e-bn¬ \ne-\n¬°p∂ sNdp-InS h≥InS<br />

hyh-km-b-߃ {]Xn-k-‘n-bn-em-Ip-hm-\p≈<br />

km[yX hep-Xm-Wv. Atkm-kn-tb-j≥ Cu hnj-b-<br />

Øn-¬ {i≤nt® ]‰q. tIc-f-Øne 11 Pn√-°-fn-embn<br />

GXm≠v 60000 N. Intem-ao-‰¿ hnkvXo¿Æ-Øn¬<br />

123 hnt√-Pp-Iƒ ]cn-ÿnXn teme {]tZ-i-ß-fm-bn´v<br />

IW-°m-°-W-sa∂v \n¿t±-in-°-s∏-´n-´p-≠v. tIm´bw<br />

Pn√-bn¬ Imn-c-∏≈n ao\-®¬ Xmeq-°p-I-fn-embn<br />

157 N.-In. ao‰¿ ssZ¿Ly-Øn¬ 4 hnt√-Pp-Iƒ C.Fkv.-<br />

F. bpsS ]cn-[n-bn¬ hcp-∂p.<br />

sNdp-InS hyh-kmb taJ-esb {]Xn-Iq-e-ambn<br />

_m[n-°p∂ \n¿t±-i-߃<br />

1. samØw taJ-e-bpsS 37% (GI-tZiw 6000 NXpc-<br />

{i-In-tem-ao-‰¿) \mNp-d¬ em≥Uv kvtI-∏mbn DSs\<br />

{]Jym-]n-°-Ww. Cu taJ-e-bn¬ hnI-k-\-]-≤-Xn-<br />

Iƒ°v i‡-amb \nb-{¥-W-ap-≠m-Ipw.<br />

2. Izndn-bvMv, Izmdn-Iƒ, aW¬J-\\w F∂n-hbv°v<br />

]q¿Æ\n-b-{¥Ww. \ne-hn-ep≈ Izmdn-Iƒ L´w-L´-<br />

ambn {]h¿Ø\w<br />

\n¿Ø-Ww.<br />

3. ]pXnb Pe-ssh-<br />

ZypXn ]≤-Xn-Iƒ A\ph-Zn°p∂-Xn\v<br />

i‡-<br />

amb \nb-{¥-Ww.<br />

4. sdUv Im‰-K-dn-bn¬<br />

t]mfyq-j≥ \nb-{¥W<br />

t_m¿Uns‚ enÃn¬<br />

s]-Sp-Øn-bn-´p≈ hyhkm-b-߃<br />

Cu taJ-ebn¬<br />

A\p-h-Zn-°-s∏-Sp-Ibn√.<br />

Hmd©pKW-<br />

Øn¬s∏-Sp∂ `£y<br />

kwkv°-c-W-]-≤-Xn-Iƒ<br />

]q¿Æ-ambn \ntcm-[n-°-s∏-Sp-I-bn-s√-n¬, ]cn-ÿn-<br />

Xn°v hfsc Ipd®v BLm-X-ta¬∏n-°p∂ ]≤-Xn-<br />

Iƒ am{Xta t{]m’m-ln-°-s∏-Sp-I-bp-≈q.<br />

5. 2000 ao‰-dn¬ IqSp-X-ep≈ sI´n-S-ßfpw \n¿Ωm-<br />

W-]-≤-Xn-Ifpw A\p-h-Zn-°-s∏-Sp-I-bn-√.<br />

6. ]›n-a-L´ C.-F-kv.-F.-bpsS 10 Intem-ao-‰¿<br />

ASpØp ÿnXn-sN-øp∂ ]cn-ÿnXn A\p-a-Xn-th≠<br />

]≤-Xn-Iƒ°v 2006-˛se hn⁄m-]\w _m[-I-am-<br />

°Ww.<br />

F∂m¬ ]›n-a-L´ taJ-esb {]tXyI ]Zhn<br />

\¬In kwc-£n-°p∂Xn\p≈ hfsc A\p-tbm-Pyamb<br />

\n¿t±-i-ßfpw Cu IΩ‰n dnt∏m¿´n-eqsS tI{μ<br />

F≥ssh¨sa‚ v Un∏m¿´p-sa‚n\p \n¿t±-i-߃<br />

\¬Ip-∂p-≠v.<br />

Unkn-j≥ kt∏m¿´v B≥Uv tam\n-´-dn\v sk‚¿<br />

t^m¿ shtè KmSvkv cq]o-I-c-Whpw {]tXyI<br />

kmº-Øn-I- k-lm-b-]-≤-Xn-Ifpw Cu \n¿t±-i-ßfn¬<br />

Dƒs∏-Sp-∂p.<br />

THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 5


............................................................................................................................................<br />

hyhkmb\mZw<br />

skbn¬_n¬, sUen-hdn t\m´v XpS-ßn-bh<br />

Fgp-Xp-tºmƒ {i≤n-°-s∏-tS≠ Imcy-߃<br />

(<strong>2013</strong> G{]n¬ amksØ hm‰v SmIvkv {Koh≥kv sk√n¬ \S∂ N¿®-I-fn-eq-sS-bp≈ Hsc-Øn-t\m-´w)<br />

hm‰v SmIvkv Xe-Øn¬ C{X-tImSn cq]m Hmtcm<br />

amkhpw ]ncn-s®-Sp-Øn-cn-°Ww F∂v IΩo-j-W-d-<br />

∑m-cpsS \n¿t±iw Pn√m -`-c-Wm-[n-Im-cn-Iƒ°p-≠v.<br />

CXv IqSmsX Hmtcm C‚-Pn-e≥kv kvIzmUpw C{X<br />

\º¿ temdn-I-sf-nepw hgn-at≤y sN°p-sN-bvXncn-°-Ww.<br />

s]\m¬‰n-bm-bpw, skIyq-cn‰n Unt∏m-kn-<br />

‰mbpw Ipsd e£w cq]m-sb-nepw kzcq-]n-∏n®v<br />

k¿°m-cns‚ JP-\m-hn-te°v apX¬Iq´n-bn-cn-°-Wsa-∂p-ap-≠v.<br />

Cu kml-N-cy-߃ IW-°n-se-Sp-°p-tºmƒ<br />

DtZym-K-ÿ¿°v hgnbn-en-dßn temdn-Iƒ XS-t-<br />

]‰q. hym]m-cn-hy-h-kmbn GtIm-]\ kanXn AwKß-fpsS<br />

IS-]-cn-tim-[-\bpw hgn-X-S-bepw Cu GtIm-<br />

]-\-kanXn {]tXyIw Hm¿U-dn-eqsS \ntcm-[n-®n-cn-<br />

°p-∂-Xn-\m¬ ]ns∂ SmIvkp-tZym-K-ÿ-¿°v Akw-<br />

L-Sn-X-amb sNdp-InS hyh-km-bn-I-fpsS temdn-<br />

Iƒ°nt´ t\m°p-hm-\p-≈q.<br />

Cu kml-N-cy-߃ \ΩpsS AwK-ß-sf-nepw<br />

apJ-hn-e-bvs°-Sp-tØ-]-‰q. \nkm-c-amb kmt-XnI<br />

sX‰p-Iƒt]mepw Nq≠n-°m-Wn®v KpUvkv<br />

{Sm≥kvt]m¿´v aqhvsa‚ v hgn-bn¬ XS-k-s∏-Sp-Itbm<br />

skIyq-cn-‰n-bm-bn-t´m, ss^\m-bnt´m \nIpXn XpItbm,<br />

AXns‚ Cc-´ntbm AS-®nt´ h≠n apt∂m´p<br />

t]mIp-hm≥ km[n-°p-I-bp-≈q. Cßs\ AS-bvt°-<br />

≠n-h-cp∂ XpI-Iƒ Ip‰w sXfn-bn-°-s∏-Sm-Xn-cp-∂m¬<br />

XncnsI e`n-°p-∂-Xn\v sNehpw Ime-Xm-a-khpw<br />

Xo¿®-bm-Wv.<br />

F∂m¬ ta¬]-d kmt-Xn-I-amb sX‰p-I-fn-<br />

√msX C≥thm-bn-kp-Ifpw sUen-h-dn-t\m-´p-Ifpw<br />

shln-°n-fp-I-fn¬ Nc-°n-t\m-sSm∏w sImSp-Ø-bbv°p-hm≥<br />

{]tXyIw {i≤n-°-Ww.<br />

C≥thm-bn-kn¬ sajo≥ \º-dp-≠m-bn-cn-°-Ww.<br />

Id-£≥kv ]mSn-√. Nc°v Ib-‰n-hn-Sp∂ kabw<br />

sdbn¬th ssSam-bn-cn-°Ww tcJ-s∏-Sp-tØ-≠-Xv.<br />

Cu kabw tcJ-s∏-Sp-Øn-b-Xn-\p-tijw temdn<br />

t]mIp-hm≥ A{]-Xo-£-X-amb Imc-W-ß-fm¬ Xmakn-®m¬<br />

AXn-\p≈ Imc-W-߃ tcJm-aqew sN°p<br />

sNøp∂ DtZym-K-ÿsc t_m[y-s∏-Sp-Øn-bn-cn-°-Ww.<br />

\nIp-Xn-bpsS \nc°v iX-am\w IrXy-am-bn-cn-°-Ww.<br />

cPn-kvt{S-j≥ k¿´n-^n-°-‰n¬ tcJ-s∏-Sp-Øn-bn-´p≈<br />

Nc-°p-Iƒ am{Xta Ib-‰n-b-b-bv°m-hp-≈q. hmßp∂<br />

I£n-bpsS ‰n≥ \º¿ icn-bmbn tcJ-s∏-Sp-Øn-bncn-°-Ww.<br />

sUen-hdn t\m´ns‚ adp-h-iØv Im¿_¨<br />

am¿°n¬ tcJ-s∏-Sp-Øn-bn-cn-°-Ww. Un∏m¿´sa‚ns‚<br />

ko¬ (A¥¿ kwÿm\ aqh-sa‚n\v)<br />

\n¿∫-‘-ambpw D≠m-bn-cn-°-Ww. sh´n-Øn-cpØ-ep-<br />

Itfm Hmh¿ssd-‰ntMm Hgn-hm-°-Ww.<br />

C≥thm-bn-kns‚ {Sm≥kvt∏m¿´¿ tIm∏n \n¿_-<br />

‘-ambpw temdn-bn¬ IqsS-bp-≠m-bn-cn-°-Ww.<br />

{Sm≥kn‰v Kqth-Uvkn\v {]tXy-I-ambn {i≤n-<br />

°Ww.<br />

({Koh≥kv sk√n¬ Atkm-kn-tb-js\ {]Xn-<br />

\n-[o-I-cn®v {]kn-U‚ v Pbnwkv CΩm-\p-thepw<br />

tkhy¿ tXmakv sImt≠m-Snbpw ]s-Sp-Øp. F√m<br />

amkhpw BZy _p[-\mgvN \S-°p∂ Cu IΩn-‰nbn¬<br />

\nß-fpsS ]cm-Xn-I-fpw {]iv\-ßfpw Ah-Xcn-∏n-°m-hp-∂-Xm-Wv.)<br />

an\n-aw- th-Pn\p sh≥Unßv sajo≥<br />

B¿´nÃv ˛ C-Ω-th-‰¿ tªm°v lmfmWv CØ-c-Øn-ep≈ Hcp sajo≥ I≠p-]n-Sn-®n-´p-≈-Xv.<br />

\nb{¥nX an\nawthPv (tPmen-sN-ømsX e`n-°-s∏-tS-≠ -th-X-\w) Ce-Ivt{Sm-WnIvkv kwhn-<br />

[m-\-Øn-eqsS e`n-°p-hm-\p-X-Ip∂ Cu sh≥Unßv bqWn‰v 2008-˛-emWv I≠p-]n-Sn-°-s∏-´n-<br />

´p-≈-Xv. Cu sajos‚ sskUn¬ ]nSn-∏n-®n-´p≈ {Im≥Iv Hcp hi-tØ°v Xncn-®m¬ Hmtcm<br />

4.7 sk°‚nepw Hcp sk‚ v hoXhpw, Hcp aWn-°q-dn¬ 7.25 tUmf-dp-amWv Ipd thX-<br />

\-ambn e`n-°-s∏-Sp-∂-Xv. Cu XpI \yqtbm¿°v kn‰nbnse an\naw thX-\-am-Wv. alm-flm-<br />

Km‘n tZiob sXmgn-ep-d∏p ]≤Xn \n¿Øn-bn´v F√m hnt√Pv Xe-ÿm-\Øpw Hmtcm CØc-Øn-ep≈<br />

sh≥Unßv sajo≥ ÿm]n-°p-hm≥ k¿°m¿ \S-]-Sn-sb-Sp-t°-≠n-bn-cn-°p-∂p.<br />

6 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM


............................................................................................................................................<br />

hyhkmb\mZw<br />

_nkn\kv hnP-b-Øn\v t]mkn-‰ohv at\m-`mhw<br />

Hcp hy‡n-bpsS Pohn-X-<br />

Øn¬ t]mkn-‰ohpw s\K‰ohp<br />

ambp≈ at\m-`m-h-߃ D≠m-<br />

Ip-∂p. ]e-t∏mgpw s\K-‰ohv<br />

at\m`mhw \Ωp°p≠m<br />

tb°mhp∂ hnP-b-ßsf ]ndtIm-´p-h-en-°p-∂p.<br />

t]mkn-‰ohv at\m-`m-h-߃<br />

aqeap-≠m-Im-hp∂ t\´-߃<br />

am\-ko-I-i-‡nbpw Du¿<br />

÷hpw kºm-Zn-∏n-°-s∏-Sp-∂p.<br />

{]iv\߃°v hnim-e-amb<br />

ImgvN-∏m-Sp-≠m-Ip∂p.<br />

am\-ko-I-amb ]ncn-ap-dp°w Ipd-bp-∂p.<br />

e£y-Øn-te-bv°p≈ Zqcw Ipd--Xmbn<br />

tXm∂p∂p.<br />

a\-kn\v kam-[m-\hpw kt¥m-j-hp-ap-≠m-Ip-∂p.<br />

{]iv\-ßsf t\cn-Sp-hm-\p≈ ss[cyw IqSp-∂p.<br />

tkh\ k∂-≤X D≠m-Ip-∂p.<br />

a‰p-≈-h¿°v {]tNm-Z-\-am-Ip-∂p.<br />

IqSp-X¬ BZ-c-hp-t\-Sp∂p.<br />

ico-cnI am\-kn-Im-tcmKyw<br />

h¿≤n-°p-∂p.<br />

e£yw hnP-b-Øn-te-bv°p-Xs∂.<br />

s\K-‰ohv at\m-`m-h-ß-fnse<br />

{]tXy-I-X-Iƒ<br />

Rm≥ A{Xbv°pw anSp-°s\m-∂p-a-√.<br />

Rm≥ tami°m-c-\mWv.<br />

Rm≥ _e-lo-\-\mWv<br />

hnP-bn-°m≥ _p≤n-ap-´mWv.<br />

AXp ]ecpw ss{S sNbvXp<br />

]cm-P-b-s∏-´-XmWv.<br />

F¥n-s‚bpw tZmj-hiw am{Xw ImWpI.<br />

a‰p-≈-hsc Bfl-hn-izm-k-tØmsS t\cn-Sm≥<br />

`bs∏-SpI.<br />

tcmKm-hÿ t]dn \S-°pI.<br />

C∂v \S-°-Øn-√, \mf-tØ°p am‰n shbv°pI.<br />

Ft∏mgpw \nk-lm-bX {]I-Sn-∏n-°p-I.<br />

sI\n-b-bnse t]mf-hmcm≥ tIm´-b-Øp-\n∂pw b{¥w<br />

A£-c-\-K-c-<br />

Øns‚ kz<br />

¥w t]mf-hmc¬<br />

b{¥w<br />

hntZitØ-<br />

°v...! tIf-<br />

N{μ {]nkn<br />

j≥ F≥Pn-<br />

\o-tbgvkv<br />

\n¿an® tIf<br />

N{μ hoUv<br />

lm¿th-ÿ sI˛500 BWv sI\n-b-bn-te°p<br />

Ib‰n Ab-bv°p-∂-Xv.<br />

tIm´bw t]m¿´n¬ \n∂p Is≠-bv\¿ hgn<br />

b{¥w sIm®n-bn-te°v Ab-®p. sI\n-b≥ Hm¿Km-<br />

\nIv dnk¿Nv sk‚¿ t^m¿ FIvk-e≥kns‚<br />

Bh-iy-{]-Im-c-amWv b{¥w Ab-®-Xv.<br />

Ch¿ sI\n-b-bn¬ ÿm]n-°p∂ 120 saKmhm-´ns‚<br />

sshZypXn \ne-b-Øn¬ t]mf-bn¬<br />

\n∂mWv<br />

sshZypXn<br />

DZv]mZn∏n-<br />

°p-∂-Xv.<br />

Cu \neb-Ønte°v<br />

t]mf-hmcp-<br />

∂Xn\pth-<br />

≠nbmWv<br />

b{¥w Ch¿<br />

hmßnb-Xv.<br />

t]mf-hm-c¬ b{¥-Øns‚ Zriy-߃ bpSyq-_n¬<br />

I≠ sI\nb≥ kwLw tIf-N{μ Iº\nsb<br />

_‘-s∏-Sp-I-bm-bn-cp-∂p.<br />

H≥]Xv Iyq_nIv ao‰dmWv CXns‚ tijn.<br />

tIf-N{μ \n¿an-® aq∂m-asØ b{¥-amWv CXv.<br />

Ch-cpsS b{¥-amWv tIcf Im¿jnI k¿h-Iem-imebpw<br />

D]-tbm-Kn-°p-∂-Xv.<br />

THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 7


............................................................................................................................................<br />

hyhkmb\mZw<br />

Government Announces the New Foreign Trade Policy<br />

MORE SOPS FOR PROMOTING EXPORTS, roled out Rs. 3000 Crore package to encourage<br />

exports. Last 3 months export performance is attractive, shipments rose for 3 months in a row so<br />

far in <strong>2013</strong>.<br />

In the new policy<br />

* Investment in SEZs made more attractive.<br />

Export rose 7% in March to $30.84 million while imports contracted by 2.87 % to $41.1.Billion,<br />

helping to cut the trade deficit by $10 million.<br />

For the full year, exports were marginally lower than last year at $300.6 billion, while imports<br />

were up 0.44% to $491 billion yielding a trade gap of $191 billion.<br />

Major Policy announcement<br />

• Zero duty capital goods imports scheme to all sectors.<br />

• More contries were added to the list of incremental export incentive scheme<br />

• 2% interest subsidy to all exports related credit facilities from banks.<br />

• Focus market and Focus product scheme will now cover more countries and large number of<br />

products:-5% special incentive scrips on FOB value of exports.<br />

Comments : No major announcements.<br />

: An export development Fund expected –but not announced.<br />

: No export target is also announced.<br />

However Govt mulls higher Foreign Direct Investment in Defense Sector.<br />

.....................................................................................................................................<br />

Government’s New Land Acquisition Bill<br />

Government of India has reached to a broad consensus over the land Acquisition Bill with the<br />

opposition.<br />

Now if the bill is passed<br />

* State to lease rather than acquire land from farmers also.<br />

* A provision to compensate those who had sold land after September 5, 2011.<br />

.....................................................................................................................................<br />

Monetary and Financial Expectations from the Annual<br />

Monetary Policy<br />

Refer RBI’S regional Survey, May <strong>2013</strong><br />

Interest Rates:-<br />

I Feel Strongly that there are favourable situations in the Indian economy to<br />

reduce the interest rates. The factors supporting this view are, inflation overall<br />

coming down, Govt has met the revised estimates on direct and indirect tax collections,<br />

deposit & lending issues are moderately active, industrial production showing upward<br />

trend though not significantly. Therefore the requested reduction in interest rates<br />

by RBI if to be announced would definitely boost the economy at micro level.<br />

8 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM


............................................................................................................................................<br />

hyhkmb\mZw<br />

Gold Control<br />

Since Gold prices are falling the investment attraction on it may once again go up<br />

leaving other investment opportunities less attractive. Persistent inflation make<br />

gold investments again as a targeted opportunity. Hence import duty on gold has to be<br />

revised.<br />

Conceding the demand for one independent Central bank favourabliy a mutual<br />

collaborative approach between RBI &Govt of India in policy formulations will do a<br />

world of good for the growing Indian economy.<br />

.....................................................................................................................................<br />

Exchange Rates<br />

High Depreciated IR shall help at least on a shorter run to enhance export competitiveness of<br />

Indian goods and non software services.<br />

Inadequacy of credit flow to Micro & Small Industries.<br />

At Present Commercial Banks and mostly State Financial institutions are following a credit<br />

appraisal system and the basis of lending is the Naik Committee report. It recommends 20% of the<br />

actual or projected turnover as the overall limit banks can be sanctioned. The entire market<br />

conditions are changed during the last 10-15 years, therefore RBI has to think of formulating a<br />

revised credit appraisal taking into account number of other factors in the trade and economy.<br />

Xavier Thomas Kondody<br />

FINANCIAL LITERACY<br />

Proper finacnce management is the prerogative<br />

of the wealthy. India is a Country in which the<br />

issue of financial literacy as a subject for<br />

learning has come of importance very late. All<br />

people, across all social<br />

boundaries, should<br />

know how their actions<br />

affect there work place<br />

financially. In fact<br />

every individual and<br />

every family must<br />

learn to manage their<br />

finance well for their<br />

sustained well-being<br />

and growth.<br />

There are small<br />

business people for<br />

whom it is just as<br />

important to<br />

understand the<br />

principles of good<br />

financial management<br />

as it is for the largest<br />

corporate house.<br />

For India to continue its Phenominal growth,<br />

it is important that each and every individual in<br />

this country should be financialy literate.<br />

Reserve Bank of<br />

India has already<br />

initiated financial<br />

literacy centers for new<br />

entreprenuers under a<br />

few nationalised banks.<br />

'State Bank of<br />

Travancore' has one of<br />

its centre in <strong>Kottayam</strong>.<br />

New entrepreners<br />

are asked to attend 30<br />

days development<br />

oriented training in<br />

before commencing<br />

their new enterprises.<br />

Contact:<br />

9847046229<br />

THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 9


............................................................................................................................................<br />

hyhkmb\mZw<br />

Entrepreneurship in micro, small<br />

and medium enterprises in the<br />

Manufacturing sector in Kerala<br />

K. Thomas George<br />

Introduction. This paper is an overview of<br />

the entrepreneurial activity in the<br />

manufacturing sector in kerala. on the wake<br />

of its economic and social background.<br />

The recent programmes emerged in kerala<br />

for the development of the entrepreneurial<br />

activities , and the scope of the sector together<br />

with certain points of suggestions for the<br />

betterment of the sector are dealt with in this<br />

article.<br />

According to MSME Development Act 2006, the<br />

classification of micro ,small and medium sectors of<br />

enterprises is as follows.<br />

Service Sector. Micro- Up to<br />

Rs10 lakhs. Small- Up to Rs. 2 Crores Medium<br />

Above 2 Crores but upto Rs 5 Crores.<br />

manufacturing Sector- Micro- Up to Rs 25 lakhs.<br />

Small-Above 25 lakhs up to Rs.5Cr. Medium – Above<br />

5 Crores Up to Rs 10 Crores.<br />

Kerala is far behind in industrial<br />

development when compared to other States<br />

in India. A recent survey reveals that Kerala<br />

is not found among the top five States in India<br />

listed by the entrepreneurs for investment in<br />

industrial sector . It is a matter of great<br />

concern to us when we realize that our State<br />

is the most literate State in India .And<br />

achieved first in literacy(93.9% leaving out the<br />

children below 6 years), education and health.<br />

In certain human development indicators<br />

Kerala’s position is on par with developed<br />

economies especially in critical areas like<br />

health care, gender consciousness, labour<br />

rights and participative governance.<br />

(Economic Review 2012)<br />

Kerala’s workforce has high skill and clean<br />

working practices. Kerala is considered as a<br />

model State for governance in general and<br />

Local Self Government in particular.<br />

This study would be helpful in offering<br />

useful suggestions for prospective<br />

entrepreneurs and start ups and also for the<br />

Government in formulating policies with a<br />

view to developing a congenial industrial<br />

climate in Kerala especially for youths.What<br />

is now required is momentum in employment<br />

generation and environment friendly<br />

growth.The entrepreneurs have yet to tap<br />

investment avenues<br />

The following are yet major constraints and<br />

challenges.<br />

1. land<br />

2. labour<br />

3. transport<br />

4. uninterrupted power<br />

5. migration both inward and outward<br />

6. social problems such as<br />

alcoholism,increase in women headed<br />

households, deterioration in mental<br />

health, life style diseases are emerging<br />

threats to progress.<br />

Importance of Entrepreneurship. Economic<br />

development is a matter of prime importance<br />

for any country.<br />

Globally 12% of adult population is involved in<br />

entrepreneurial activities.<br />

More than 15% of the adult population in India<br />

is involved in entrepreneurial activity.<br />

Entrepreneurship as a career Choice.<br />

USA 61% of the youth<br />

Europe 41% of the youth<br />

India 20% of the youth<br />

India, an emerging economy as set to become the<br />

world’s second largest by 2050, has major problems<br />

like unemployment and poverty.<br />

10 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM


............................................................................................................................................<br />

hyhkmb\mZw<br />

Growth Rate in India.<br />

As per report of the CSO, India’s growth rate is<br />

during 2010-11 fiscal is 8.9%. But high economic<br />

growth without any benefit to the poor won’t help<br />

to achieve the national goal of inclusive growth.<br />

rate in 11-12 is around 6.5%.Whereas it is 7.5 %<br />

in China.<br />

rate of 12-13 is between 5 and 5.5%.and it is<br />

around 7.5 % in China<br />

and the Global growth rate is 3.2 %.<br />

Only China and Indonesia are growing faster than<br />

India in 2012-13.<br />

Kerala’s GSDP<br />

2010-2011 8.4% at constant prices (2004-<br />

2005)(service sector 9.3%)<br />

2011-2012 9.5 % at constant prices .service sector<br />

continues to dominate.<br />

GSDP in manufacturing sector (growth rate)<br />

2007-08- 8.54%<br />

2008-09 - 8.26%<br />

2009-10- 7.59%<br />

2010-11 -7.62%<br />

2011-12- 7.40%<br />

The contribution of manufacturing sector is<br />

declining.<br />

An industrial and commercial policy has been<br />

drafted in 2011 by the State Government. It aims to<br />

convert Kerala from a wage earning society to an<br />

entrepreneurial State.<br />

MSME in Kerala. Kerala accounted for nearly<br />

10% of the total working MSME's in India (29 millin<br />

units in India)and provides an employment of 7%of<br />

the total employed in MSME sector in the country.<br />

But Kerala does not figure in the top 10 States in<br />

terms of output produced. MSME in Kerala<br />

contributes significantly towards domestic and export<br />

markets, employment, income generation and<br />

foreign exchange earningsand producing varieties of<br />

products ranging from traditional to modern<br />

Major challenges MSME face in Kerala<br />

1. lack of funds<br />

2. poor access to technology<br />

3. access to market<br />

4. shortage of skilled manpower<br />

3.43% in 2011-12<br />

3.12% in 2012-13<br />

2.82% in <strong>2013</strong>-14 (estimated)<br />

Kerala’s population as on 1-3-2011as per the<br />

provisional data published from the Directorate of<br />

Census was 3,33,87677 persons with 48% males<br />

The % of females increased from 51.4 % in 2001<br />

census to 52% in 2011 census.<br />

The growth rate of population during the last 10<br />

years is 4.9%.(it was previously 9.5%. during the<br />

decade ending 2001. Density of population 859<br />

per sq. km. which is much higher than India (382)<br />

The highest in Thiruvananthapuram (1509) and the<br />

lowest in Idukki (254) Poverty. The State poverty<br />

line 2009-10 for Kerala is fixed at monthly per capita<br />

income of Rs.775.30 which is above the poverty<br />

line fixed by 23 other states. (based on Tendulkar<br />

methodology of estimation).<br />

The scenario of Technical and professional<br />

education is fast changing in Kerala .We have 130<br />

engineering, 23 medical and 23 dental colleges, 68<br />

Govt. ITIs, 47 ITCs (of which 44 are run by the SC<br />

and 3 by the ST Department). There are also 457<br />

Private ITC and 59 Polytechnics.<br />

In Kerala, service sector especially IT and ITe<br />

based industry is emerging strong during the last<br />

five years. Their present contribution is 60 % of<br />

GSDP.<br />

In India the manufacturing sector now<br />

contributes 18-20 % of the GDP in 08-09..In Kerala<br />

the corresponding contribution to GSDP is 8%.The<br />

manufacturing growth % is 3.35% in India during<br />

08-09.(IIP) But the corresponding growth rate in<br />

Kerala is 8%(at constant prices) )Tamil Nadu has<br />

the highest number of working factories (16.085 of<br />

India)followed by Maharashtra (13.17%)in 08-09.<br />

The total number of working MSME units<br />

registered in Kerala is :<br />

2,04381 as on 31 st March 2009.<br />

2,22580 as on 31 st March 2011<br />

2,70.000 as on 31 st March 213<br />

During the first 4 years of XI th plan a total<br />

number of 37769 units were newly set up with<br />

a total capital investment of Rs 4338 Grand<br />

employment creation of 292784<br />

Projection of MSME sector for 12 TH PLAN<br />

Fiscal Deficit deficit of kerala is:<br />

2.91% of GSDP in 2010-2011<br />

Total number of MSME s to be set up<br />

50000(2012-2017)<br />

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


............................................................................................................................................<br />

hyhkmb\mZw<br />

Total Investment Rs 7000 Crores<br />

Total employment 4 lakhs<br />

(Working group report on MSME AND<br />

TRADITIONAL INDUSTRIES published by State<br />

Planing Board in July2012).<br />

Going forward the two biggest challenges to the<br />

industry’s growth will be shortage of skilled people<br />

and good governance. There is no room for unskilled<br />

labour now.<br />

The business model in manufacturing sector has<br />

undergone a change and become technology oriented.<br />

Technology is very important to an entrepreneur.<br />

Entrepreneurship and the technical development<br />

are related.<br />

Labour oriented industries of traditional type and<br />

garment based industries, textile parks like SITP.<br />

could employee a large number of semi skilled<br />

labourers. Both together would give shape to a Kerala<br />

Model for the manufacturing sector and this could<br />

ease the problem of unemployment.<br />

NEW PROGRAMMES INITIATED<br />

BY THE STATE GOVERNMENT<br />

1. Self employment programme for<br />

un-employed youth<br />

This scheme intends to give assistance<br />

to young educated entrepreneurs preferably<br />

technically qualified and skilled youth<br />

to set up MS enterprises both manufacturing<br />

and service industries for having total<br />

project cost up to Rs..10 lakhs BY AVAILING<br />

LOANS FROM National/ Scheduled/ Co<br />

operative banks including rural banks.<br />

Margin money of 20% of the project cost<br />

limited to a maximum of Rs 1 lakh per<br />

person.<br />

2. To give special incentive to the fruits<br />

and vegetable processing units in the<br />

State.Subsidy of 5%OFTHE ANNUAL TURNOVER<br />

will be given to manufacturing units.<br />

engaged in production of Pickles, Jam ,<br />

juice, squash, jelly, and other fruits<br />

and vegetable products.(eco friendly and<br />

green industries)<br />

3.Turn over subsidy to agro based<br />

industries.(launched 2011-2012.<br />

4.Scheme for power tariff subsidy. For MS units<br />

for a period of three years<br />

from commencement of commercial production.<br />

STATE BUDGET FOR <strong>2013</strong>-14<br />

Money has been set apart for :<br />

1.setting up incubation centres in engineering<br />

and professional colleges<br />

2.placement cells<br />

3. entrepreneurial development programmes in<br />

association with educational institutions.<br />

4.Start up subsidy for innovative projects<br />

5.Upgradation of IT parks.<br />

Suggestions.<br />

Considering the great demand for skilled<br />

labourers, the Government will have to take<br />

active steps to produce more technically skilled<br />

youth.<br />

Considering the high demand of power, the<br />

State will have to actively support alternate<br />

power generation projects.<br />

Government will have to take proper steps in<br />

industrial waste management including<br />

electronic waste.<br />

The Government have to seriously consider<br />

improving the availability of industrial land at<br />

reasonable cost. Multi-storied industrial<br />

buildings with all basic infrastructure facility<br />

should be set up for consuming less space and<br />

reducing pollution at least two in every district.<br />

Mini industrial estates sould be developed in<br />

all panchayats.<br />

Marketing incentives should be given to attract<br />

investors for a period of 5 years at least.<br />

The uninterrupted power supply has to be<br />

ensured by the Government for all enterprises.<br />

The delay in power connection should be<br />

minimised.<br />

On the side of finance, it has to be ensured that<br />

entrepreneurs get seed working capital without<br />

any difficulty.<br />

The bank interest rate has to be reduced. For<br />

this purpose proper action should be initiated<br />

with banking institutions to make available fund<br />

at reasonable rate of 5% per annum. This could<br />

also help in reducing NPA to the minimum.<br />

The Government have to consider seriously, the<br />

issue of high loading-unloading charges.<br />

The Government should take initiative to<br />

arrange entrepreneurial development<br />

programme to entrepreneurs at a nominal cost.<br />

The Government may arrange awareness<br />

programmes regarding schemes of the<br />

Government like Credit Guaranteed Fund<br />

Scheme and on GST.<br />

12 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM


............................................................................................................................................<br />

hyhkmb\mZw<br />

The Business Simulation Games Blog<br />

Current Articles | RSS Feed RSS Feed<br />

15 Marketing Concepts To Practice With Cesim SimBrand<br />

1. Business Objectives (SMART)<br />

All businesses need to set objevtices for themselves<br />

or for the products or services they are launching.<br />

What does your company, product or service hope<br />

to achieve?<br />

These are the kind of questions that participants<br />

will have to answer in Cesim SimBrand, and one<br />

great way to do it is by utilizing the SMART system.<br />

This simple acronym stands for Specific, Measurable,<br />

Achievable, Realistic and Time.<br />

Make sure your students understand the importance<br />

of objective setting, and how it helps the company<br />

focus on specific aims over a period of time and<br />

can motivate staff (in this case team mates) to meet<br />

the objectives set.<br />

2. PEST Analysis<br />

Because each round starts with a new market<br />

outlook that helps participants determine the likely<br />

development of the market, this is a great opportunity<br />

for doing a PEST analysis (political, economical,<br />

social, technological).<br />

3. Competitor Analysis<br />

The multiplayer environment of Cesim SimBrand<br />

allows for a very unpredictable market development<br />

based on your competitor's decisions from round to<br />

round.<br />

This fact warrants regular competitor analyses<br />

that the teams have to conduct in order to stay ahead<br />

of the curve and be able to pivot their strategies<br />

against that of competing teams.<br />

4. Microenvironmental Factors<br />

Otherwise known as stakeholder analysis, the<br />

microenvironmental factors include customers, employees,<br />

competitors, media, shareholders, suppliers,<br />

and the company.<br />

In Cesim SimBrand the participants will be exposed<br />

to the customer, competitor and the company<br />

(their own) factors, and the interconnectedness between<br />

them.<br />

5. Objectives, Strategy and Planning<br />

The teams will take over as the new management<br />

team of a global mobile device marketing company.<br />

The team is responsible for developing and implementing<br />

the company’s marketing strategy, including<br />

product portfolio, market segmentation, product<br />

positioning, channel decisions, and R&D.<br />

The essence of the simulation is to mirror a fast<br />

developing, technology- based product market that<br />

is driven by short product life cycles and innovation;<br />

where constant attention to product development,<br />

good timing and successful positioning are the keys<br />

to success.<br />

The main objective for the teams is to maximize<br />

shareholder value. This is measured by the share<br />

price. Share price is the same for each team in the<br />

beginning of the simulation and it will change during<br />

the simulation in accordance with the teams’ success<br />

in the markets. Teams can not issue new shares<br />

or repurchase existing shares in this simulation.<br />

In summary, the teams should aim for sustainable<br />

and profitable growth.<br />

6. Market Research<br />

Market research involves researching specific industries<br />

or markets. It is the only tool an organization<br />

has to keep in contact with its external operating<br />

environment. In order to be proactive and change<br />

with the environment, certain questions need to be<br />

asked: How are competitors operate within the environment?<br />

Are their strategies exceeding or influencing<br />

ours? What should you do?<br />

In Cesim SimBrand the market research that<br />

unveils how the participants products are doing on<br />

the market vis à vis competitors is available under<br />

the Results tab for no additional charge to the virtual<br />

companies.<br />

7. New Product Development<br />

Product portfolio decisions are crucial. At any<br />

point during the simulation the team can have a<br />

maximum of 6 products in its portfolio. Products can<br />

be sold in Europe, Asia, or both.<br />

Product decisions:<br />

Product name<br />

Market selection<br />

Upgrade (if you want to keep existing product<br />

do not click upgrade)<br />

Design (one design only)<br />

Features (one or more features)<br />

Compactness level (higher is better)<br />

Battery life level (higher is better)<br />

8. The Marketing Mix (4 P's)<br />

Decisions regarding product, price, promotion and<br />

place complete one of the most well-known marketing<br />

concepts; the marketing mix.<br />

THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM 13


............................................................................................................................................<br />

hyhkmb\mZw<br />

It is a tool used by the teams to assist them in<br />

pursuing their objectives by carefully managing<br />

these four controllable variables to meet the needs<br />

of the defined target groups.<br />

The teams in Cesim SimBrand will have to carefully<br />

analyze the four available market segments in<br />

order to design desireable, correctly priced, well<br />

promoted, and properly placed products.<br />

9. Marketing Budgets<br />

There are a number if ways in which firms can<br />

calculate how much to allocate to their marketing<br />

and advertising spend. These methods are:<br />

The objective and task method<br />

Competitive parity method<br />

Percentage of sales approach<br />

Each of these can be applied in Cesim's marketing<br />

simulation, and then compared to measure the<br />

level of relative effectiveness to each other.<br />

10. Consumer Buying Behavior<br />

What influences consumers to purchase products<br />

or services? The consumer buying process is a<br />

complex matter, as many internal and external factors<br />

have an impact on the buying decisions of the<br />

consumer.<br />

When purchasing a product, there are several<br />

steps the consumer goes through. These are:<br />

1. Problem/Need Recognition<br />

2. Information Search<br />

3. Evaluation of Different Purchase Options<br />

4. Purchase Decision<br />

In order to capture a big market share, teams in<br />

Cesim SimBrand have to make sure that their offering<br />

is aligned with what the customers want, but<br />

are also susceptible to the possibly more desireable<br />

offerings of competitors.<br />

11. Market Segmentation, Positioning, Targeting<br />

The case company in Cesim SimBrand can operate<br />

in two markets, Europe and Asia. The markets<br />

are of different size and have different growth<br />

rates.<br />

There are four different customer segments in<br />

both markets (more detailed information in the<br />

marketing research report):<br />

Households<br />

High-end households<br />

Companies<br />

High-end companies<br />

The simulation game includes a product positioning<br />

tool that allows you to compare your own<br />

product positioning with that of the competing<br />

teams. Separate maps are available for both Europe<br />

and Asia.<br />

12. SWOT Analysis<br />

This tool is used by organizations to help the firm<br />

establish its Strengths, Weakn esses, Opportunities,<br />

and Threats. A SWOT analysis is used as a framework<br />

to help the firm develop its overall corporate,<br />

marketing, and product strategy.<br />

In the simulation this can be done after the first<br />

practice round, when the participants have been familiarized<br />

with the game environment, and then<br />

reviewed from round to round.<br />

13. BCG Analysis<br />

This product portfolio matrix classifies product<br />

lines into four categories. It suggests that organizations<br />

should have a healthy balance of products<br />

within their range. The classifications are:<br />

Dogs<br />

Question Mark/Problem Child<br />

Star<br />

Cash Cow<br />

Cesim SimBrand offers a great opportunity for<br />

students to practice this particular marketing concept<br />

by positioning their products accordingly.<br />

14. Product Life Cycle<br />

The product life cycle concept suggests that a product<br />

passes through four stages of evolution:<br />

Introduction<br />

Growth<br />

Maturity<br />

Decline<br />

The smartphones of the Cesim marketing simulation<br />

game follow this curve as well, thus illuinating<br />

the different strategies companies have to take during<br />

each phase of the cycle.<br />

15. Ansoff's Matrix<br />

A common tool used within marketing was developed<br />

by Igor Ansoff in 1957. He suggested that a<br />

business can grow in one of four ways, from the lowest<br />

risk to a high risk strategy of growth.<br />

These are:<br />

Market Penetration<br />

Product Developemt<br />

Market Development<br />

(Diversification)<br />

Although Cesim SimBrand doesn't allow for the<br />

diversification aspect of Ansoff's matrix (the companies<br />

cannot decide to start selling something else<br />

other than smartphones), the other three strategies<br />

can be pursued and practiced throughout the course<br />

of the simulation game.<br />

14 THE HOME JOURNAL OF KERALA STATE SMALL INDUSTRIES ASSOCIATION, KOTTAYAM

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!