The Khadi and Village Industries Commission (KVIC) is a statutory body formed in April 1957 (During 2nd Five Year plan) by the Government of India, under the Act of Parliament, 'Khadi and Village Industries Commission Act of 1956'. It is an apex organisation under the Ministry of Micro, Small and Medium Enterprises, with regard to khadi and village industries within India, which seeks to - "plan, promote, facilitate, organise and assist in the establishment and development of khadi and village industries in the rural areas in coordination with other agencies engaged in rural development wherever necessary.“ KVIC also helps in building up reserve of raw materials for supply to producers. The commission focuses in creation of common service facilities for processing of raw materials, such as semi-finished goods. KVIC has also helped in creation of employment in Khadi industry. Schemes Under Khadi and Village Industries Commission Under the Khadi and Village Industries Commission, you can avail the following schemes: PMEGP or Prime Minister's Employment Generation Programme The Ministry of Micro, Small and Medium Enterprises introduced this credit linked subsidy scheme for the creation of employment in both rural and urban areas of the nation. This scheme replaced the previous Rural Employment Generation Programme or in short the REGP. Under the PMEGP scheme the applicants from the general category are given a 15% to 25% subsidy on the interest rates. Applicants from other categories than general as well as woman applicants, former service members, physically disabled and applicants from the hill or border areas are provided with a subsidy of 20% to 35%.

1. B COM 2ND SEM
KSAWU SYLLABUS
WOMEN ENTREPRENEURSHIP
ROLE OF FINANCIAL INSTITUTIONS IN
SUPPORT OF WOMEN
ENTREPRENEURIAL ACTIVITIES
KVIC
Smt. Uma Minajigi Reur
Head, Dept. of Commerce &
Management
Smt. V G Degree College for Women,
Kalaburagi

2. B.COM SYLLABUS SECOND SEMESTER
2.6: WOMEN ENTREPRENEURSHIP
Objectives: To acquaint students with the concepts of women entrepreneurship and to familiarize
the entrepreneurial development process. Pedagogy: Classroom lecture, Assignments and Field Visit.
Unit 1: Introduction: Concept, meaning and definition of Women entrepreneur and Women
entrepreneurship, Characteristics and Types of entrepreneurs, Functions of Women entrepreneur,
evolution of Women Entrepreneurship in India, Entrepreneurial skills and competency requirements
for women entrepreneur, Role of Women entrepreneurship in economic development. (15 Hours)
Unit 2: Opportunities and challenges faced by women entrepreneurs: Challenges faced by Women
entrepreneurs, Opportunities for an entrepreneurial career, measure to improve women
entrepreneurship, factors influencing the women entrepreneurship, entrepreneurial motivation
concept. (10 Hours)
Unit 3: Role of financial institution in support of women entrepreneurial activities: SIDBI, DIC, CEDOK,
RUDSETI, SFC, EDII, KVIC, (objectives and functions), Long term and Short term financing. Women
empowerment through Entrepreneurship Development Programmes. (15 Hours)
Unit 4: Government Schemes and Institutional support to Promote Women Entrepreneur: Trade
Related Entrepreneurship Assistance and Development (TREAD) scheme for Women, AWAKE,
NAYE, Mahila Coir Yojana, Mahila Udyam Nidhi, Stand-up India, Annapurna Scheme, Stree Shakti
Package For Women Entrepreneurs, Bharatiya Mahila Bank Business Loan, Dena Shakti Scheme,
Udyogini Scheme, Cent Kalyani Scheme, Mahila Udyam Nidhi Scheme, Mudra Yojana Scheme For
Women, Orient Mahila Vikas Yojana Scheme, etc. (20 Hours)
Unit 5: Project Identification and Formulation: Meaning of project, project identification, project
selection, project formulation: meaning, significance, contents, formulation steps, Planning
Commission’s Guidelines for formulating a Project report, Specimen of a project report. (10 Hours)

3. Unit 3:
Role of financial institutions in support of women
entrepreneurial activities:
1. Small Industries Development Bank of India (SIDBI)
2. District Industries Centre (DIC)
3. Centre for Entrepreneurship Development of Karnataka (CEDOK)
4. Rural Development and Self Employment Training Institute (RUDSETI)
5. State Financial Corporation (SFC)
6. Entrepreneurship Development Institute of India (EDII)
7. The Khadi and Village Industries Commission (KVIC)
8. Long term and short term financing.
9. Women Empowerment through Entrepreneurial Development Programmes.

4. THE KHADI AND VILLAGE
INDUSTRIES COMMISSION
(KVIC)

6. Khadi:
“Khadi” means any cloth woven on handlooms in India from cotton,
silk or woollen yarn handspun in India or from a mixture of any two or
all of such yarns.
Village Industry :
Any Village Industry including Coir based projects(except those
mentioned in the negative list) located in the rural area which produces
any goods or renders any service with or without the use of power and
in which the fixed capital investment per head of a full time artisan or
worker i.e. Capital Expenditure on workshop/ workshed, machinery and
furniture divided by full time employment created by the project does
not exceed Rs. 1 lakh in plain areas and Rs.1.50 lakh in hilly areas.

7. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
The Khadi and Village Industries Commission (KVIC) is a statutory
body formed in April 1957 (During 2nd Five Year plan) by the Government of
India, under the Act of Parliament, 'Khadi and Village Industries Commission
Act of 1956'. It is an apex organisation under the Ministry of Micro, Small and
Medium Enterprises, with regard to khadi and village industries within India,
which seeks to - "plan, promote, facilitate, organise and assist in the
establishment and development of khadi and village industries in the rural
areas in coordination with other agencies engaged in rural development
wherever necessary.“
• KVIC also helps in building up reserve of raw materials for supply to
producers.
• The commission focuses in creation of common service facilities for
processing of raw materials, such as semi-finished goods.
• KVIC has also helped in creation of employment in Khadi industry.

8. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
Objectives of the Commission :
The commission has three main objectives which guide its functioning.
These are –
• Primary objective: Promote the khadi industry in rural industries.
• Social objective: The KVIC programme aims to create a scope of
employment in the country, specially in rural areas.
• Economic objective: The programme aims at producing saleable articles
that can benefit both the producer and the consumer.
• Wider objective: Lastly, it aims at generating the sense of self-reliance
among the poor and forming a community spirit in the rural areas.

9. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
Functions of KVIC :
1. To plan and organize training of persons employed or desirous of seeking
employment in Khadi and Village Industries.
2. To build up reserves of raw materials and supply them to persons engaged or
likely to be engaged in production of handspun yarn or Khadi or Village
Industries at such rates as the Commission may decide.
3. To encourage and assist in the creation of common service facilities for the
processing of raw materials or semi finished goods and for otherwise
facilitating production and marketing of Khadi or products of Village
Industries.

10. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
4. To promote the sale of marketing of Khadi or products of Village Industries
or handicrafts and for this purpose forge links with established marketing
agencies wherever necessary and feasible.
5. To encourage and promote research in the technology used in Khadi and
Village Industries, including the use of non-conventional energy and electric
power with a view to increasing productivity, eliminating drudgery and
otherwise enhancing their competitive capacity and to arrange for
dissemination of salient results obtained from such research.
6. To undertake directly or through other agencies studies of the problems of
Khadi or Village Industries.

11. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
7. To provide financial assistance to institutions or persons engaged in the
development and operation of Khadi or Village Industries and guide them
through supply of designs, prototypes and other technical information for the
purpose of producing goods and services for which there is effective demand in
the opinion of the Commission.
8. To undertake experiments or pilot projects which in the opinion of the
Commission are necessary for the development of Khadi and Village Industries.

12. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
9. To establish and maintain separate organizations for the purpose of carrying
out any or all of the above matters; to promote and encourage cooperative
efforts among the manufacturers of Khadi or persons engaged in Village
Industries.
10. To ensure genuineness and to set up standards of quality and ensure that
products of Khadi and Village Industries do conform to the said standards,
including issue of certificates or letters of recognition to the concerned persons.

13. SCHEMES UNDER
KHADI AND VILLAGE INDUSTRIES COMMISSION (KVIC)
Schemes Under Khadi and Village Industries Commission
Under the Khadi and Village Industries Commission, you can avail the
following schemes:
• PMEGP or Prime Minister's Employment Generation Programme
The Ministry of Micro, Small and Medium Enterprises introduced this
credit linked subsidy scheme for the creation of employment in both rural and
urban areas of the nation. This scheme replaced the previous Rural
Employment Generation Programme or in short the REGP.
Under the PMEGP scheme the applicants from the general category are
given a 15% to 25% subsidy on the interest rates. Applicants from other
categories than general as well as woman applicants, former service members,
physically disabled and applicants from the hill or border areas are provided
with a subsidy of 20% to 35%.

14. SCHEMES UNDER
KHADI AND VILLAGE INDUSTRIES COMMISSION (KVIC)
• SFURTI or Scheme of Fund Regeneration of Traditional Industries
SFURTI came into existence in 2005 to generate funds for regenerating
the Ministry of Traditional Industries. The scheme aims to create sustainable
employment for the traditional industries and the traditional artisans. For the
purpose, it divides the said industries and individuals into groups allowing
them to work in a competitive environment.
The beneficiary list under the SFURTI scheme includes Central
Governments institutions, State Government institutions, semi-government
institutions, NGOs and Panchayat Raj institutions. The project cost under the
scheme is capped at ₹ 8 Cr.

15. SCHEMES UNDER
KHADI AND VILLAGE INDUSTRIES COMMISSION (KVIC)
• ISEC or Interest Subsidy Eligibility Certificate
Generating capital from banks for adjusting the gap between the received
fund from the budgetary sanctions and the actual requirement of the khadi
projects was the objective behind the ISEC scheme or the Interest Subsidy
Eligibility Certificate. Currently, the scheme has become the key source of
funding for khadi programmes. The scheme provides an annual concession of
4% to meet the working capital objectives.
• MPDA or Market Promotion Development Assistance
As the name suggests, this scheme offers promotional and development
assistance to the khadi industries. It intends to improve the earning capacity of
the artisans involved in the industries. This scheme generates the financial
assistance of 25% for the artisans, 45% for the seller institutions and 30% for
the producer institutions.

16. SCHEMES UNDER
KHADI AND VILLAGE INDUSTRIES COMMISSION (KVIC)
• KRDP or Khadi Reform and Development Programme
The key objective of the KRDP or the Khadi Reform and Development
Programme is to reposition the khadi industries. It is moving towards its goal
via employment creation, earning enhancement and positioning khadi based on
the industrial requirements.
• MDA or Market Development Assistance
MDA or Market Development assistance generates promotional assistance
to the development activities of the khadi industries. The artisans receive 25%,
marketing activities receive 45%, production activities receive 30%, and the
weavers receive 25% assistance under the scheme.

17. SCHEMES UNDER
KHADI AND VILLAGE INDUSTRIES COMMISSION (KVIC)
• The Honey Mission - Beekeeping
The Honey Mission operates with the vision of improved rural livelihood.
The KVIC login portal indicates the following five working areas of the
mission.
•Income generation
•Agriculture supporting
•Medical and food value of honey
•Contributions towards forest conservation initiatives
•Facilitation of linkage between biodiversity

18. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
KVIC Eligibility
You will be considered eligible for financial assistance under any scheme as
per KVIC when you fulfil the below-mentioned eligibility criteria:
• Individual with a minimum age of 18 years.
• Individuals are required to have completed 8th standard (passing
certificate required).
• If you are a Registered society.
• If you are a Cooperative society.
• If you are a Self Help Groups

19. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
IMPLEMENTING AGENCIES
• KVI prgrammes are implemented through
• 33 States/Union Territories(Uts) Khadi and Village Industries
Boards(KVIBs)
• 5000 registered institutions
• 30,000 cooperative societies and bank/financial institutions
• The Khadi Programme Is implemented through
• Institutions registered either with KVIC or State/UT KVIBs.
• In the case of village industries, the Commission implements the
Prime Minister’s Employment Generation Programme (PMEGP)

20. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
GROUPING OF INDUSTRIES
The Village Industry Programmes have been classified into 7 Broad groups::
1. Mineral Based Industry
2. Forest based Industry
3. Agro based and Food Processing industry
4. Polymer and chemical Based Industry
5. Rural Engineering and Bio technology Industry
6. Hand Made paper and Fiber Industry
7. Service Industry

21. KHADI AND VILLAGE INDUSTRIES
COMMISSION (KVIC)
BUDGETARY SUPPORT TO KVIC
BUDGETARY SUPPORT TO KVIC
• The Union Government through the Ministry of Micro, Small and medium
Enterprises provided funds to KVIC for undertaking its various plan and
Non-plan heads
• Provided primarily by way grants and loans
• The funds provided from budgetary sources(both Plan and non-plan)
during Xth Plan, are
• Budget Allocation For Plan Rs. 2455.17 Crore and for non-Plan
Rs.423.17 Crore and Funds released for plan Rs. 2373.52 Crore and
for Non-Plan Rs. 399.63 Crore

22. THANK YOU