Time and financial management practices of self-employed rural women
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Date
2019
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CCSHAU
Abstract
To operate any economic activities we need particular resources which are to be integrated in terms of money. Women make up one third of the working classes and comprise about half of the country‟s population. Improvement of women is recognized as integration in the convention of the development. The objectives of the present study were to study the time and financial management practices of self-employed rural women, to assess the contribution of rural self-employed women towards family well-being and to find out the constraints faced by the respondents and to suggest remedies. The data for the study were collected using interview schedule. Sample of 100 respondents were selected randomly from Hisar and Bhiwani district out of which 50 percent respondents were from each of the two districts. Selling of milk or ghee was the major occupation of the respondents followed by stitching/boutique (30%), grocery shop (10%), beauty parlour (9%), making and selling bangles (7%) and making and selling macramé items (5%). Majority of the respondents (48%) had family monthly income upto Rs.20,000. Some of the reasons for starting self-employment units by all the respondents were to become independent, easy availability of raw material, simple and easy procedure to start the self-employment. Majority of respondents i.e. 60 percent were working for 28-30 days, whereas the remaining respondents (40%) were working for 25-27 days per month and 59 percent respondents worked for 7-8 hours per day in their self-employment units. Decrease in availability of time for personal care and daily household activities was reported by maximum number of respondents. 82 percent agreed with the fact that increased family income raised the level of living. After starting the self-employment unit, there was improvement in traits of family members i.e. self-confidence, ability of problem solving and decision making, managerial ability, overall personality and social status. It was seen that there was an improvement in overall family well-being after starting the self-employment units.