अनुसूचित जातीतील महिला उद्योजकांच्या विकासासाठी शासकीय योजना : एक अभ्यास

आढाव, ज्योती सुभाष

doi:10.5281/zenodo.17292489

अनुसूचित जातीतील महिला उद्योजकांच्या विकासासाठी शासकीय योजना : एक अभ्यास

आढाव, ज्योती सुभाष

Publisher: Zenodo
DOI: 10.5281/zenodo.17292489
Repository: zenodo.org
Language: en

Abstract

सारांश: भारतातील सामाजिक व आर्थिक विकास प्रक्रियेत महिला उद्योजकतेला विशेष महत्त्व प्राप्त झाले आहे. विशेषतः अनुसूचित जातीतील महिला उद्योजकता ही सामाजिक समावेशन, आर्थिक स्वावलंबन आणि सबलीकरण यांसाठी प्रभावी साधन ठरत आहे. सरकारने या घटकांच्या व्यवसाय विकासासाठी विविध योजना राबविल्या असून, त्यामध्ये आर्थिक सहाय्य, प्रशिक्षण, तांत्रिक मार्गदर्शन आणि बाजारपेठ उपलब्ध करून देणे यांचा समावेश आहे. प्रस्तुत संशोधनामध्ये अनुसूचित जातीतील महिला उद्योजकांच्या विकासासाठी राबविण्यात आलेल्या शासकीय योजनांचा अभ्यास करण्यात आला आहे. या अभ्यासामधून योजनांची उपयुक्तता, उपलब्धता, लाभ प्रक्रियेतील अडथळे तसेच योजनांचा सामाजिक-आर्थिक जीवनमानावर झालेला परिणाम यांचा शोध घेण्यात आला आहे. निष्कर्षानुसार योजनांमुळे महिला उद्योजकतेला चालना मिळाली असली तरी जागरूकतेचा अभाव, कर्जप्रक्रियेतील गुंतागुंत आणि प्रशिक्षणाच्या मर्यादा ही अंमलबजावणीतील प्रमुख अडचणी असल्याचे दिसून आले. या अभ्यासातून भविष्यातील धोरणनिर्मितीसाठी आणि अनुसूचित जातीतील महिला उद्योजकांच्या सर्वांगीण विकासासाठी उपयुक्त मार्गदर्शन उपलब्ध होईल

Full text

Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 137    󰱳󰫳  󰲒  :  󰬅  󰫵  󰫦󰲌 , 󰱳:     󰱳, 󰭃  . Email: [email protected] Manuscript ID: JRD -2025(I)-170932 ISSN: 2230-9578 Volume 17 Issue 9(I)| Pp. 137-141 Sept. 2025 Submitted: 9 Aug. 2025 Revised: 20 Aug. 2025 Accepted: 20 Sept. 2025 Published: 30 Sept. 2025 :    󰲗󰫦  󰭈󰲑󰬴  󰱳  󰰍 󰭈󰱺  .     󰱳    , 󰲗󰫦 󰬎    󰭈   .   󰫳 󰱿    󰬉  , 󰫽󰬀 󰲗󰫦 󰬇 , 󰭈󰫤 , 󰭃 󰫦󰫦   󰬄 󰰉    . 󰭈󰬎 󰬀    󰱳󰫳  󰫼 󰬉 󰲒  󰬅 󰫼  .  󰬅  󰱇 , 󰬄 ,  󰭈󰲑󰬴    -󰲗󰫦   󰲐   󰫼  . 󰬍󰫦   󰱳     󰰉  , 󰫦󰭈󰲑󰬴   󰭈󰫤󰫳 󰫦   󰭈  󰬉 󰲑 .  󰬅 󰬍 󰲗󰫦     󰱳󰫳 󰰩  󰱇 󰫦󰫦 󰬄 . 󰲑-󰫦:   ,  󰱳 , 󰲒  , -󰲗󰫦  , 󰭈󰫽 , ,  󰫽 , . 󰭈󰬎 :    󰲗󰫦 󰭈󰫳 󰭈  󰱳  󰬎 󰭈󰱺  .  󰲗󰫦 󰬎   󰱇 󰱷 󰫦󰲑   ,   󰲇󰫳   󰭈 . 󰬶    󰬁 󰬊  󰱳 󰲗󰫦, 󰫽󰱷, 󰲐󰱪󰫦    󰰍󰫦  󰬆   .      󰬍󰱘   󰫦 󰲗󰫦     .  󰲂󰫦    󰱳   󰲗󰫦 󰲑󰬴   󰬁,      󰭈 󰬆  . 󰫽   󰫳 󰱳󰲒     󰲇 󰫳 󰲆 󰫽 󰬌 .  󰱳 󰰗󰭅  󰫵    󰬉 .  󰫦 󰰌 󰬇, 󰭈󰫤, 󰭃 󰫦󰫦, 󰱳 󰰉 󰫼    󰬄 󰰉  󰫯  󰬉 .  󰭈󰫽󰫤  󰫼󰫳 󰭈󰲑󰬴 󰰉 , 󰭈󰲒 , 󰭃  ,  󰫦󰭈󰲑󰬴    󰬎 󰱫. Quick Response Code: Website: https://jrdrvb.org/ DOI: 10.5281/zenodo.16885235 Creative Commons (CC BY-NC-SA 4.0) This is an open access journal, and articles are distributed under the terms of the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International Public License, which allows others to remix, tweak, and build upon the work noncommercially, as long as appropriate credit is given and the new creations ae licensed under the idential terms. Address for correspondence:  󰫵 ,󰫦󰲌 ,󰱳:   , 󰱳, 󰭃  . How to cite this article:  󰫵 ,(2025)    󰱳󰫳  󰲒  :  󰬅, Journal of Research & Development, 137-141 Original Article Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 138 󰬀  󰰎 󰫯  % , 󰱳 󰫽  󰫽󰬉 .   󰲐 󰱳   .%  .   󰰉 󰫼 󰰗󰭅  󰫵  Stand-Up India, 󰭈󰭃 󰭅 , NSFDC,   󰲗󰫦   󰫯  󰬉 . 󰭅  󰬉 󰰩󰲒 % 󰰏  ,  Stand-Up India 󰫦 󰲑󰬉 󰰩󰬀   󰫤 . ,  󰱳 󰫦   󰱇 .%   󰬐 % 󰫳  .   󰬎󰲆  󰲒,     󰫦  󰱳󰰩  .  ,  ,   󰫦   󰫽󰫳 󰭈  󰫦 . 󰫽   󰭈, 󰱇  󰫽 󰫦  󰲐,   󰲒  󰫽    󰬅  󰫽 󰬌 . 󰭈󰬎   󰫦 󰬇    󰫼  .  󰲑󰱯󰲆 (Objectives of the Study): .    󰱳 󰫼 󰬉 󰲒  󰬅 . .    󰱳󰫳   󰲗󰫦 󰱷  󰲐 󰲄 . .  󰱳    󰬬 󰬊 󰬎󰰉 . .    󰱳 󰬄  󰰍  . . 󰫳 󰬍󰰩󰫳  󰬍    .  󰱮 (Research methodology): 󰭈󰬎  󰬇  󰬶    󰫽󰬀   , ,  󰬎, , , 󰫦󰭃, 󰫦 󰬶,      󰫼  .    󰱳 󰭈 󰲒 : 󰲄  .    (Seed Capital Scheme):  󰱳 󰱳  󰬌 󰭈  󰬉 󰫽  .  󰬊  󰫼 󰬉 󰱳 󰰗󰭅󰫦     .  󰫦    󰱳 󰫽 󰲕  󰱳 󰭈  󰬎󰰉 󰫦   󰬄 󰰉 󰲑 .  󰱿 󰰉 󰫼 󰬌 󰬉 󰭃󰬶, 󰱍 , 󰫦 󰬎 󰰎  . , 󰫦 󰭈󰲑󰬴󰬀  󰬉        󰫤   .  .  󰱳   (New Entrepreneur Guarantee Programme – NEGP):   󰱿 󰱳  󰫦   󰱯  󰱳   󰫦 .   󰬉 󰱳 󰰗󰭅󰫦 󰱳  󰬉 󰫦   . 󰫽 󰱳 󰫳     .      SC  󰱳   󰬐 󰱳 󰰉  . ,    󰬶 󰰩  󰭈  󰬉   󰱳  .  . 󰫯󰭃  󰲗󰫦 󰫦󰬴 (Chief Minister Employment Generation Programme – CMEGP): 󰫵 󰬎    󰫦󰬴 󰬉 󰱳 󰰗󰭅󰫦 󰫦󰬁 .    󰱳 󰱳   󰫤󰭃 ₹ 󰰩 󰫦 󰬄 󰰉 󰲑 .  %–% 󰰩  󰫼 . 󰬶    󰱳    󰭈  . 󰭃, 󰭈󰬉   󰫼  󰭈󰲑󰬴        .  . 󰫦󰬇 / 󰲗󰫦  : 󰬉 󰱳 󰰗󰭅󰫦    󰱳 󰱿 󰫼  󰬇  󰲗󰫦  󰬎󰰉 󰲗󰫦  󰲑 .   󰭃󰬶 , 󰱿 󰰣, 󰭈󰫤  󰫦   󰬄  .  󰱳󰫳  󰰎  󰰉 󰱳 󰬎 󰭈󰫽 . 󰭃,  󰫼 󰬌 󰭃    󰭈󰲑󰬴  󰬎 󰱳  .  . 󰭈󰭃  󰲗󰫦 󰫦󰬴 (PMEGP):   󰬶󰱳 󰫦 󰫼  󰭈󰭃  󰲗󰫦 󰫦󰬴     󰱳 󰲗󰫦  󰰍  .   󰫽   󰫤󰭃 󰬐 󰱳 ₹ 󰰩 󰫦 󰬄 .    󰱳   Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 139 (%–%) , 󰫵 󰫽    . 󰬶    SC    󰱿 󰰉 󰰉  󰬎  ,  󰬎  󰲗󰫦   . ,   󰭈󰲑󰬴   󰰐   󰭈   . 󰫽 󰫰 󰫦󰫦  󰭈󰫤 󰬄   󰫳  󰫽󰬌 .  . 󰬎   :    󰱳 󰲗󰫦   󰱿 󰬎 󰭈󰫽   󰰍  󰬆 󰬎    .  󰫦    󰱳 󰫽,  󰲕 󰱿 󰫤󰭃 󰱳 ₹  ₹  󰰈󰰩 󰫦 󰬄 󰰉 󰲑 .  󰫦󰬀 󰫦   󰫦   󰱳 󰱿 󰰉 󰫼 󰭈    .     󰱿  󰲑 . 󰬶     SC     󰱿 󰰉 󰰉 󰬎  . ,  , 󰫦 󰭈󰲑󰬴         󰫾󰰩   󰫤  󰫼  . 󰫽 󰫰 󰫦󰫦  󰭈󰲑󰬴    󰫳  󰬌 .  . 󰭅 :   󰬐 󰱳   󰭅      󰱇 .   , 󰲑  󰰈   󰬂󰬂 ₹,  ₹ 󰰩 󰫦 . SC   󰫦 󰫽 󰭈  󰬌 , 󰫵 󰱳 󰫼 󰫽 󰭈󰫽 .    󰫳 󰬇 , 󰬄 󰫦, 󰲑 , 󰱳󰫦 󰱿  󰱘  󰬃󰫳 󰱿 󰰈  . ,    󰬉   󰭈  󰬉   󰫤    .  . 󰲇 󰬶   (NRLM): 󰬶  󰬎- 󰫦 󰱳󰫳  󰬄 󰰉    󰰍  .       󰫦, 󰱿 󰭈󰫤,  󰬇 .  󰭃  󰱳, , 󰱳 󰰉 󰰉 󰲗󰫦 󰬎󰫦  . 󰬶  SC    󰫽󰫦   . 󰭃,  󰲐  󰬁 , 󰰩 󰫼   󰭈󰫤   󰫤  󰫼  .  .  󰲗󰫦   () : 󰲇 󰫵 󰫦  󰲗󰫦   ()     󰫦 󰱳 󰭈󰫽 .  󰫦    󰫦, 󰭈󰫤,   󰫽 󰬴󰲒 󰬇 󰬄 󰰉 󰲑 .   󰱮 󰱿 󰫼,     󰱳 󰰉 󰫼   󰱇 .  󰬶    SC     .  . 󰲇 󰫵   󰰌    :  󰫦    󰱳  󰫦  󰲒    .  󰫽   󰱳  , 󰭈󰫤  󰬉  󰲑󰬉 . 󰬐 󰱳, 󰲑 󰱿,  󰱳     󰱇 . 󰭃,  󰫦 󰭈󰲑󰬴  󰫳  󰰐  󰬇  .  .  (󰬉 󰱳 󰰗󰭅) : 󰬉 󰱳 󰰗󰭅󰫦    󰱳 󰱳 󰬎 󰫼 󰬉, 󰭈󰫤   󰫦   󰲑 . 󰬐,   󰬀 󰱳 SC   󰫼  󰰗󰭅  󰰍 . ,   󰫦󰰩      󰫳  󰫽   .  . 󰬉  : SC   󰬉󰬀 󰭈󰫤  󰫽 󰬎󰫳  󰬄 󰰉 󰫼   . 󰬄, 󰲔,  󰭈󰫤, 󰱳󰭈󰲑󰬴   󰫤󰭃 󰭈󰫤  󰬎 󰱿 󰰉 󰫼  . 󰬉󰫳       󰱳󰫳 󰱿  󰫦 . 󰱮, 󰭈󰫤 󰫦 󰬉 󰱿 󰰉 󰫼 󰬌 󰲗󰫦 󰬇   󰬄 󰬉  󰫦 . Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 140    󰱳 󰲒  󰲐   . 󰫽 󰲐 (Positive Outcomes): .  󰬄: 󰭈󰭃  󰲗󰫦 󰫦󰬴, 󰬎- , 󰭅 , CMEGP 󰫯  SC  󰫽   󰱳 󰬌  󰭈  󰬄 . . 󰱳 󰭈󰫽:   ,  󰱳     󰫦 󰬉 󰱿 󰱳 󰱿 󰰉 󰫼 󰭈 . .  󰱳 : , NRLM 󰫯 󰲐  󰬶  SC  ,  󰱮   󰱿󰫳 󰬀 󰲗󰫦 󰬎󰫦 󰲑. . 󰬉: 󰬉  , DIC 󰫦  󰭈󰫤   , 󰬄 󰫦, , 󰱳󰭈󰲑󰬴  󰫤󰭃  󰭈󰫤 . . 󰬎   󰬎 󰱮:  󰫳 󰬇  - 󰱿 󰰉 󰰉  󰲗󰫦 󰫽󰱷       󰬎   󰱳 󰬆 󰬎 󰫦 . .  (Challenges): .   : 󰬶   󰬁     󰭈  󰬉  SC  󰱳    . . 󰭈 󰭈󰲑󰬴  : 󰫦 󰭈󰲑󰬴, 󰭃 󰲐  󰭈󰬉   󰰎   󰭈󰫽󰫤   . .      : 󰫦   , 󰭃  󰫦  󰲕 󰲐󰱇     󰱳  . . 󰭈󰫤  󰫦󰫦  : 󰬉  󰫦󰬴     󰫽 󰱿  󰬌  󰫦󰫦   󰬄   . .   󰬎󰫦 :   󰬴󰲒 󰫰    󰱚 󰱳  󰬎󰫦   󰱳 󰫤   . . 󰰚    :  󰲐  󰱳 󰫦󰭈󰲑󰬴 󰰈󰭈 󰬎,  󰲔  ,      .  󰭈, 󰫳     󰱳 󰱳󰫳 󰫯 󰭈 󰫼    , , 󰭈󰲑󰬴, 󰰌   󰫯  󰱳  󰲑 . 󰲒  󰰍:    󰱳󰫳 󰲗󰫦,   󰬉 󰰗󰭅  󰫵  󰬉    󰲗󰫦 󰫽 󰫦󰲑 ,  󰫽 󰱿 󰰍 .    󰱳 󰰉 󰫼 󰬌  󰬄 , 󰲗󰫦 󰬎   󰬉 󰫦󰬴 󰱿󰬎  󰭃 󰫤 󰲓󰱮 . 󰲐  󰱳 󰫽󰲂     󰱿 󰲐 󰫼 󰫤 .  󰬍󰱘 ,  󰰍  . 󰫳 󰫦󰫤  ,    󰫽 󰬁 ,  󰱳 󰫽 󰬎    󰲗󰫦  . ,   󰫦 󰬎󰰩  , 󰭈󰲒 ,  󰫦   󰬎󰫦   󰫦 . , 󰲒  󰰍  󰲗󰫦     󰲐󰫦, 󰫽󰫦    .  (Recommendations): 󰲒  󰭈  󰲐 󰫼    󰬌 : .   󰭈 –  󰱳    󰬎󰲆  󰫼 󰫦, 󰫦󰫦    󰬂󰫦 . .  󰫦󰭈󰲑󰬴 –   󰰌 󰬎 󰫦 󰭈󰲑󰬴 , 󰫦   . . 󰬉  󰭈󰫤 –  󰱳 󰱿󰬎, 󰭃󰫥  󰰘󰲔 󰬉 󰭈󰫤 . Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 141 .  󰬄 – 󰫽      󰭈󰫦,    󰬂󰫦  . .   󰭈 󰰗󰭅 – 󰱳    󰫼      󰰗󰭅 󰬎 . 󰬍󰫦 (Conclusion): 󰲒     󰱳 󰲗󰫦,   󰬉󰫳  󰫽    .  󰫽󰲂 , 󰱿 󰲐󰫼 󰫤 󰫦    󰭈󰲈 . ,  󰬎 󰫦 󰫼    󰬄 󰰉 󰫼   . ,   , 󰭈󰲒 󰭈󰲑󰬴,  󰬄   󰬋 󰫼  . , 󰲒  󰰍 󰲗󰫦 󰬇 󰫦󰲑    󰫳 󰰩  󰫽 󰫽 ,  󰫽󰫳 󰭈    󰬌 . 󰫦 (Reference): . Government of India. (2023). Stand Up India Scheme Guidelines. 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Ministry of Women and Child Development. (2023). Support to Training and Employment Programme for Women (STEP). https://wcd.nic.in (Accessed on: 22 August 2025) . Government of Maharashtra. (2021). Maharashtra State Women Entrepreneurs Policy Document. Department of Industries. https://www.mahaindustries.gov.in . Sharma, A., & Kulkarni, S. (2020). Role of government schemes in empowering women entrepreneurs in India. International Journal of Entrepreneurship, 12(3), 77–89. https://doi.org/10.5678/ije.2020.12307 . Ministry of Skill Development and Entrepreneurship. (2022). National Skill Development Mission – Women Training Programs. https://msde.gov.in (Accessed on: 22 August 2025)