Professional Documents
Culture Documents
Term- III
ON RURAL
IMMERSION IN
RANCHI
Rural marketing, SHG, Industry visit
Every project big or small is successful largely due to the effort of a number of wonderful
people who have always given their valuable advice or lent a helping hand. I sincerely
appreciate the inspiration; support and guidance of all those people who have been
instrumental in making this project a success.
We would also like to thank or acting Principle as well as faculty guide Prof. Suman
Kumar Dawn and Dr.Padmavathy Dhillon for their critical advice and guidance without
which this project would not have been possible. We also are Thankfull to Prof.Sanjeeb
Bajaj for arranging the total tour.
Last but not the least I place a deep sense of gratitude to my family members and my
friends who have been constant source of inspiration during the preparation of this
project work.
Rahul Basak
Anirban Banerjee
Ankita Chakrabarti
Vidushi Bharti
Harshita Parasrampuria
Prosenjit Roy
PGDM-2017-19
The programme was spread over a week (Feb16 to 24, 2018). Participants were divided
into groups of 4-5 and are sent to districts. Participants visit the specific place of
Ranchi(ex:Panchghag, Simdega,Patrantu).
Each group had to survey according to schedule set by college in six days. A structured
Questionnaire provided by Calcutta Business School, was given to each group and they
had to survey the households, organization and Anganwadi in each GP. They had to vigil
the movements of the Villagers towards Open Defecation and understand the problems
in the system.
The RIP was a once in a lifetime opportunity for the students. It was an immense
learning experience and a best week spent in the hostel as well as Ranchi with friends
and faculty members also.
All the places were located around the mountains which gave the natural beauty of the
nature to the students.There are many exciting places to visit.
Purpose of Visit
This programme was organised for 1st year PGDM students of CBS,Kolkata at Ranchi
Simdega. Our objective was to retain the information about self help group of rural area
and know about their life and family.We also supposed to analysis the Rural market and
its culture.
The entire programme is oriented towards ensuring that the participants get a chance
to apply their classroom learnings to a real-time environment. Additionally, the
programme offers the students a chance to explore the rural markets and identify
implementation gaps or business opportunities, which can help fill these gaps.
Students gain awareness about social issues in rural areas and an understanding of
opportunities to introduce technological intervention and implement new management
techniques.
The main aim of this program is to give the students an exposure to the rural areas.
Many participants come from urban background and may not have seen or experienced
a rural area. Through this, they are sensitized towards social issues prevalent in the
region, which broadens their perspective. They get to observe the rural economy,
understand the challenges and opportunities for business, and develop an overall
understanding of the rural society.
Also, the participants get to know the various schemes undertaken by Government in
villages and to study and analyze the execution and effectiveness of these schemes.
The RIP, this year, had specific project structured and designed for some specific
districts in SIMDEGA ,RANCHI in collaboration with Swachh Bharat Abhiyan
16th February,2018
We set out for Howrah station from CBS at around 6.00pm. We reached Howrah station
at around 9.15pm and were waiting at the platform for the train to arrive. The train
arrived at around 10.00pm and left station for Ranchi at 10.25pm.
17th February,2018
We reached Ranchi at 7.00 in the morning. After having tea, our bus left for Simdega at
8.30am. We reached Simdega at 3.00pm. Then we had our lunch and went to our rooms.
There were two rooms, one for the boys and another one for the girls. In the evening at
around 6.00pm we went to the local market
18th February,2018
The National Bank for Agricultural and Rural development (NABARD)1 , found SHG as
an interesting and effective strategy to provide banking services to the so called ‘un-
bankable’ people.
Between 1991 and 1992, NABARD in consultation with RBI, Commercial Banks (CBs)
and NGOs launched the pilot project of linking the SHGs with Commercial Banks, based
on NABARD guidelines.
By the late 1990s and early 2000, given its success the government had become a key
promoter of SHGs. Decentralization of power at the Panchayt’s level in 2004 gave local
By March 2005, the programme had provided credit to 1 618 456 SHGs with a
membership of over 24 million poor families or about 120 million poor people, making
it the largest microfinance initiative in the world.
In India, SHGs have federated into larger organizations. Typically, about 15 to 50 SHGs
make up a Cluster /Village Organisation (VO) with one or two representatives from
each SHG and with several inter-groups decision making structures. The most
important SHG’s institutional model is the SHG-Bank Linkage Model (SBLM), and in
India three different schemes of linkage of SHGs to the financial institutions have
emerged: I. Banks, themselves, form and finance the SHGs. II. SHGs are formed by NGOs,
Government and other agencies but financed by banks. III. Banks finance SHGs with
NGOs and other agencies as financial intermediaries.
Government (Departments of Panchayat Raj & Rural Development, Women & Child
Development, Women Development Corporation, and Tamil Nadu Corporation for
Development of Women),
The groups surveyed Aajiveeka, took interviews of the villagers and the members of
Aajiveeka .
Observation
We were guided about the details of SHG by Aisu Swami who was the PRP- Professional
Resource Person. In all Self Help Groups, there can be maximum 15 members. The
Lachragarh VO (Village Organisation) consists of 41 small self help groups. He also told
us that as the level increases from a Self Help Group to a Village organization, in the
same way the next level is a Cluster which is fromed of 20 VOs. An amount of Rs. 15000
is given to people which stays in the cycle only, it revolves from one person to another
depending upon the requirements. Different funds are provided like CIF- Community
Investment Fund is Rs.75000 which comes from the state government. Two ladies of
each group is given the incharge of looking after the area. The ladies arecalled- sakriya
mahila. They have weekly meeting in the self help group and the village organization
meeting is held twice in a month. They have five post holdersfor every village
organization. Every group in this cycle has its main objective in their minds- “to make
women active.” Varieties of loans are provided from banks now to them at lower rates,
like- Cash Credit Loan @7%.
This Rural Immersion programme was of great use to us. It helped us to know what
people actually suffer through in villages and what they do in order to improve their
family condition and state. In order to make women more active and working , these
groups have been created to help them become independent upto a certain level.
PRODUCTS
3. Pasteurizing
4. Separation
5. Homogenization
6. Processed milk
7. Deep chilling
Production Process
1. COLLECTION OF RAW MILK
Raw milk is collected from different parts of Ranchi. Around 60,000 liters of milk is
collected per day. Before the milk is sent to laboratory for testing, the milk is separated
from the raw milk. The raw milk flows through stainless steel or glass pipes to a
refrigerated bulk milk tank where it is cooled to about 40° F (4.4° C). A refrigerated bulk
tank truck makes collections from dairy farms in the area within a few hours. Before
pumping the milk from each farm's tank, the driver collects a sample and checks the
flavor and temperature and records the volume.
2. ELECTRONIC MILK TEST
Before pasteurizing the milk, the samples are taken to the laboratory. In the laboratory
with the help of machine called Electronic milk tester, the proportion of SNF and FAT is
checked with the phosphate solution. When the color of the milk becomes yellow, it is
sent for pasteurizing.
A clarifier removes debris, some bacteria, and any sediment that may be present in the
raw milk. A separator performs the same task, but also separates the heavier milk fat
from the lighter milk to produce both cream and skim milk. Some processing plants use
a standardizer-clarifier, which regulates the amount of milk fat content in the milk by
removing only the excess fat.
It is highly sustainable even after it dries up. It is often used at homes on auspicious
occasions as well as in local food shops. Selling at Rs. 6 per bundle of 20 pieces, this is
what this woman does for her living.
Ojhaa | Soothsayer
Shalimar is totally incomplete without this local Vaidh (the medicine man). From the
roots of plants to the skins and nails of the weirdest reptiles; he sells them all.
Karanj flowers provide for a good source of nectar for the honey bees. This fresh
unadulterated MADHU – honey should once be tasted by all. Priced at as low as Rs. 50 /
half litre, it was the best I had ever had in my life.
The products are made of Iron and Steel, easily procured since Jharkhand is the
wealthiest when it comes to minerals. Cheap and best available quality, this shop is even
preferred by my mother for kitchen tools. Some products you thought were extinct, you
will find it here, like the cow bells which i bought for less than half price of what I had
got in Jute cottage.
Magic soap
They sell a kind of white rectangle shape soap in market and they claim using of this
soap can remove spot, scars from body.
FMCG
They also sell FMCG products like oil, spice, soap, shampoo, brush, cooking ingredients,
dry foods, biskuits etc.
Mahua
This tribal people made one type of alcoholic drink from Mahua flower. Labour type of
people are the most of the customer.
Conclusion
The experience that we garnered by visiting the village is unique and revealing. Hitherto
we had only a vicarious experience of the village life and economy. After conducting this
study we have gained real and first hand knowledge of the advantages and limitations of
being part of the rural socio-economic setup. The people of the village were very cordial
in providing us all the necessary information that we required for our study to the best
of their knowledge. From the study we also came know about the existence of all kinds
of dualism not only between urban and rural areas but also among the various
subsections of the rural areas itself. Taking a cue from the model of development of
rural economy given by Dr. A. P. J. Abdul Kalam, we also have come to the conclusion
that there is a great need of providing all the urban amenities in rural areas. This
conclusion is drawn in a broader perspective and not specifically taking only our study
village into consideration. Rural areas should not be considered as supplier of manual
labor only. This conclusion has been drawn by taking into account the potential of
villages to convert themselves into growth centers by removal of various constraints
thereof.