UGC Sponsored “National Seminar on Cooperative Enterprises: Promoting Indian Economy”

21st -22nd August, 2013

Editor Dr.X.L.X. Wilson

Organized by

Department of Co-operation,

Sri Ramakrishna Mission Vidyalaya College of Arts and Science (Autonomous), Reaccredited by NAAC

Collaboration with

Sponsored by

Technically Co-Sponsored by

Proceedings of UGC Sponsored “National Seminar on Cooperative Enterprises: Promoting Indian Economy”

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About Vidyalaya

Sri Ramakrishna Mission Vidyalaya was started as a small residential school in 1930 by

the well known freedom fighter, educationist, former First Education Minister in Madras Province,

Late Dr. T.S. Avinashilingam Ayya and the foundation stone was laid by Mahatma Gandhiji in

1934. Since then it has grown enormously into a great educational complex with 15 institutions

under its fold including College of Education, Maruthi College of Physical Education, Polytechnic

College, Industrial Training Institute, Institute of Agriculture and Rural Development, Ramakrishna

Mission Vivekananda University, Swami Shivananda Higher Secondary School (with both Tamil

Medium and English Medium) a Residential High School, T.A.T. Kalanilayam, Primary School and

Ramakrishna Mission Vidyalaya Dispensary.

Vidyalaya is situated in a land of about 300 acres at a distance of 18 kilometers from

Coimbatore on the Coimbatore - Mettupalayam highway. Vidyalaya is partly residential and about

2000 students live in eight hostels attached to different institutions. It has organized many

International and National seminars and published many educational publications. Besides,

Vidyalaya hosts several spiritual and service activities under the leadership of Swami

Abhiramananda, the Secretary, Vidyalaya. The Platinum Jubilee (1930-2004) was celebrated in

2004. The College celebrates Golden Jubilee in 2014.

About The College of Arts and Science

We are proudly informing that, 2013 is the Golden Jubilee year of our college. Since 1964

we are rendering educational services to the rural students. It has the mission of training the youth

to gain spiritual strength, intellectual independence and more character based on the great ideals of

Sri Ramakrishna Paramahamsa, Swami Vivekananda and Mahatma Gandhi.

The College of Arts and Science has 1o UG & 6 PG Programmes both under aided and un-

aided streams. Autonomous status was conferred in the academic year 1981-82. It has been one of

the foremost autonomous colleges in Tamilnadu. Under autonomy the institution has introduced

several curriculum and examination reforms. It was accredited by NMC in2003, and reaccredited in

2009.

About The Department of Co-operation

The Post-Graduate and Research Department of Co-operation is one of the pioneering

departments of the college. It has the distinction of inheriting the legacy of the College of Rural

Higher Education (Ministry of Education, Government of India) which had existed before Arts and

Science College, teaching Co-operation as a major subject since early 1960's for both UG and PG

Students.

About The Seminar

The Cooperative Enterprise is a complex human system that must be understood on several

levels, its dual role as a venture with social and economic outputs is a defining characteristic as its

collective ownership, cooperatives and other membership-based organizations have proven to offer

valuable opportunities (directly and indirectly) for farm and non-farm rural and urban

employment.

The United Nations General Assembly pronounced 2012 as the International Year of

Cooperatives. It helped us to know the contributions of cooperatives towards socio-economic

development. It has been noted that cooperatives impact poverty reduction, employment

generation and social integration which contributes toward creating better lives. The primary aim

of Cooperative has always been to better the precarious lives of those who struggle to get afoot hold

in the mean world. Cooperatives have been extending their services to strive towards a holistic

social development. Cooperative system is one of the strongest is flourishing; they have

significantly contributed in achieving the record food grain production of about 250 millions tones

during 2011-12. In India, Cooperatives created over a million job opportunities both in villages and

towns; slums have given way to affordable houses for the slum-dwellers-over 4 lakh housing units

have been constructed; women empowerment has been a key achievement through cooperative

movements like AMUL, IFFCO, KRIBHCO, TCMS, Annapurna Mahila Credit Cooperative Societies etc.

apart from the core activities, cooperative actively provide beliefs to victims of natural disasters

and assist in restoring the nature; conservation of environment, planting saplings, eco friendly

operations are also given utmost importance.

Cooperatives, thus aim at growth with equity. These can be useful institutions for inclusive

growth, as they meet the requirements in respect of their core clients - farmers, growers, artisans,

handloom weavers, producers and women, who need the support of the cooperative movement.

Cooperatives can also be an institutional mechanism for involving millions of our people who fall

outside the purview of the formal economy to participate in economic activities.

Message from Swami Abhiramananda

It is a great pleasure for me to have come to understand that the Post graduate and

Research Department of Cooperation of Sri Ramakrishna Mission Vidyalaya College of Arts and

Science is conducting a UGC-Sponsored National Seminar entitled ‘Cooperative Enterprises:

Promoting Indian Economy.

The Cooperative movement in India which is one of the largest voluntary movements in the

world has been serving the people in various ways. Its genesis lies in the need, a few decades back,

of the farmers of this country who were being exploited by unscrupulous and usurious money-

lenders. It was felt at that time that for agricultural development, which was important for the

overall development of the economy, it was necessary to rid the farmers of the clutches of money

lenders. It was how the credit cooperative movement was born in India and it continued to be so for

quite a few years when it gradually expanded itself to other unpenetrated areas and diversified its

activities in almost every field of socio economic activity. The prosperity of the farmer and the

common man no doubt has increased due to cooperatives providing them help in various ways.

I believe that this National Seminar will be an eye opener for all the research scholars,

faculty members, students from various educational institutions to aspire further to accomplish

research excellence in this field

I appeal to the participants to gain the utmost benefit from this National Seminar. I extend

my best wishes to all the participants.

Swami Abhiramananda

Message from Swami Garishthananda

I am glad to know that the Post graduate and Research Department of Cooperation of ,

Ramakrishna Mission Vidyalaya College of Arts and Science conducting a UGC-Sponsored National

Seminar entitled ‘Cooperative Enterprises: Promoting Indian Economy. Cooperation is the essence

of social existence and direction towards desired development. A will to involve Fellowmen in equal

welfare and progress opens the gateway to mass uplift.

Cooperative sector in our country has been instrumental to socio-economic empowerment

of our farmers’ labours and weaker section of disadvantaged groups of our economy. Some of our

model and value based cooperative enterprises have earned their name and reputation to create a

visibility of cooperative image across the world.

I am sure that this National Seminar will provide a platform for enhancing the knowledge

and skills of the students and faculty of the institution/ Department for interacting and sharing

their views with eminent speakers and other academic fraternity members, attending the National

Seminar.

I hope that will be a pleasant and memorable academic event. I do hope this National

Seminar will open the doors of academic Research for new frontiers such as going beyond the

borders, bringing together the experts in research and the people in large, to emphasis on the

quality of research.

I wish this national Seminar all the success.

Swami Garishthananda

Principal’s Message

Indeed I’m very happy to know that the Post graduate and Research Department of

Cooperation of Sri Ramakrishna Mission Vidyalaya College of Arts and Science conducting a UGC-

Sponsored National Seminar entitled ‘Cooperative Enterprises: Promoting Indian Economy’.

The capitalistic as well as the socialistic systems have no longer been relevant in the

modern complex structure obviously the cooperative system of economy is the beacon light for

making the world a better place to live in. I hope that the theme of the seminar shall attract

students of Universities and Colleges to take up research and studies in this field.

I am pleased to appreciate the organising secretary of the seminar, faculty members of

cooperation department in annexing and edited volume which will open the doors for new frontiers

of academic research.

This seminar is to propel the culture of academic exchange and to be a fruitful event for all

the scholars and the students and staff to enhance their intelligence and to achieve excellence in

this field.

I extend my best wishes to all participants, invited delegates, speakers and that the seminar

would be a grand success of more versatility in approach and bring new ideas and concepts to a

platform for all the stakeholders to this field.

Dr.K. Kandappan

Contents

Paper ID Title/Author Page No.

NSCEPIE01 Problems and Challenges of Agricultural Marketing Dr.A. Vani and Dr.R. Sarojini

1

NSCEPIE02 Agricultural Produce Marketing with reference to Sevur Regulated Market in Tiruppur District Dr.P. Velusamy

4

NSCEPIE03 Best Practices by TCMS P. Selvaraju

8

NSCEPIE04 Cooperative Enterprises for Social Development Dr.R. Meera

13

NSCEPIE05 Agricultural Marketing Practices in India Dr.P. Veerakumar

15

NSCEPIE06 SHGs for Women Upliftment Dr.V. Ramanujam and U. Homiga

20

NSCEPIE07 Impact of Self Help Groups on the Upliftment of Women Dr.J. Sundararaj

31

NSCEPIE08 Agricultural Marketing Services in India Dr.R. Sarojini and Dr.N. Santhamani

37

NSCEPIE09 Third Sector in the Development of Economy – Contribution by the Urban Cooperative Banks in India S.R. Nithyanand

44

NSCEPIE10 Fostering Agricultural Marketing through Cooperatives - A Study of Haryana State Cooperative Supply and Marketing Federation (HAFED) Jasmeet Kaur and Dr. Navkiranjit Kaur Dhaliwal

49

NSCEPIE11 SGH: Agriculture Growth Model Dr.J. Arunachalam

54

NSCEPIE12 Self Help Groups for Women Empowerment - A Case Study of Selected SHGs in Kollam District in Kerala Dr.P. Madhusoodanan Pillai and Dr.B. Vijayachandran Pillai

58

NSCEPIE13 Agricultural Marketing Akhilesh Chandak and Himanshu Paliwal

63

NSCEPIE14 Problems of Women Entrepreneurs in Self Help Groups [Study with Reference to Kanai, Villupuram District] G. Valarmathi and K.V. Uma Maheswari

67

NSCEPIE15 Socio-Economic Empowerment through Unemployed Youth Cooperative Societies in Andaman and Nicobar Islands Dr.B. Prabhuram

71

NSCEPIE16 Non-Profit Sector for Social Development G. Subhasri and P. Dharshana

77

NSCEPIE17 A Study on Impact of Service Quality on Behaviour Customer Intentions of Indian Banking Sector with Reference to Coimbatore District in Tamil Nadu Dr.S. Velanganni and Dr.C. Vellaichamy

81

NSCEPIE18 Programmes and Schemes for Changes of Life and Livelihood of Scheduled Tribes in India Dr.K. Singaravelu and P. Veerasamy

91

NSCEPIE19 MGNREGA - A Demand Driven for Wage Employment Dr.K. Singaravelu

97

NSCEPIE20 Best Practices by Successful Co-operatives in India – Amul Dr.M. Gopanasamy

102

NSCEPIE21 A Study on Role of Banks in Promoting Empowerment of Women through Self Help Groups in India Dr.C. Umamaheswari and P. Periasamy

107

NSCEPIE22 The Role of Dairy Cooperatives in Women Empowerment C. Gunasundari

111

NSCEPIE23 A Study on Issues and Challenges of Agricultural Marketing Dr.P. Packiaraj and P. Karupputhai

115

NSCEPIE24 A Study on the Performance of Co-operative Sugar Mills in Tamilnadu V. Kaviyarasan and A.Prabasundar

118

NSCEPIE25 The Role of Agricultural Marketing in Indian Economy A. Mahalakshmi, M. Balamurugan and R. Vinoth

124

NSCEPIE26 A Study on Growth and Instability of Loans Issued and Overdues of Primary Agricultural Co-operative Credit Societies in India and TamilNadu P. Periasamy and Dr.C. Umamaheswari

129

NSCEPIE27 Cooperative Enterprises for Social Development United we Stand, Divided we Fall: The Concept of Cooperative Societies and Social Dynamics Rashmi Shukla and Sabah Khan

133

NSCEPIE28 Impact of Women Empowerment with Focus on Kanchipuram Dr.V.N. Jothi

141

NSCEPIE29 Milk Production Constraints in Western Ghat of Tamilnadu State Dr.G. Thanikacchalam

147

NSCEPIE30 Women Upliftment through SHGs (Way to Prosperity) B. Santhi and Dr. X.L.X. Wilson

152