A STUDY ON THE PERSONNEL MANAGEMENT PRACTICES IN

HANDLOOM WEAVERS COOPERATIVE AND GOVERNMENT

SCHEMES FOR DEVELOPMENT OF WEAVERS

Project Report

Submitted in partial fulfillment of the requirements for the

award of Degree in Bachelor of Commerce (Cooperation)

Submitted by

A. KAMALESHWARI (Reg. No. 06203007)

S. MUTHUKKANNU (Reg. No. 06203012)

R. POONGODI (Reg. No. 06203016)

Department of cooperation
Faculty of Rural Social Sciences
Gandhigram Rural University
(Accredited With Five Star Status By NAAC)
Gandhigram – 624 302.
Dindigul District, Tamil Nadu

March 2009

1
Dr.B.Tamilmani M.A., M.Com, M.Phil, PhD
Reader, Department of Cooperation
Gandhigram Rural University
Gandhigram – 624 302

CERTIFICATE

This is to certify that this project report entitled ‘A Study on the Personnel
Management Practices in Handloom Weavers Cooperative and Government Schemes for
Development of Weavers’ is a bonafide work done by A. Kamaleshwari, S.
Muthukkannu, Poongodi, under my supervision and guidance and that this report is
genuine.

Place: Gandhigram
Date:
(Dr.B.Tamilmani)

2
 DECLARATION

We hereby declare that the project work entitled ‘A Study on the Personnel
Management Practices in Handloom Weavers Cooperative and Government Schemes for
Development of Weavers’ submitted by me in partial fulfillment of the requirement for
the award of degree of bachelor of commerce (cooperation) is our original work and that
it has not previously formed the basis for the award of any other Degree, Diploma,
Fellowship or other similar titles.
Place: Gandhigram
Date:
Signature of the Candidates

A. Kamaleshwari

S. Muthukkannu

R. Poongodi

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 ACKNOWLEDGEMENT

We are very much pleased to extend out sincere thanks to out beloved guide
Dr.B.Tamilmani, Reader, Department of Cooperation, Gandhigram Rural University,
Gandhigram for his delegated valuable guidance for the completion of the study.
We extend our sincere thanks to Dr.B.Subburaj, Professor and Head, Department
of Cooperation, Gandhigram Rural University, Gandhigram for his moral support during
our study.
Our sincere thanks are further extended to our faculty members
Dr.P.Sivaprakasam, Professor, Dr.K.Ravichandran, Reader, Dr.S.Manivel, Reader,
Sri.B.Baskar, Lecturer, Dr.C.Mangaleswari, Lecturer, Department of Cooperation,
Gandhigram Rural University, Gandhigram for their valuable support during our study.
We express our profound thanks to the secretary and other staffs of Anjugam,
Anna, Gandhiji, Kamala Nehru, Namnadu, Sanjay Gandhi, Silambu, weavers’
cooperative society, Chinnalapatty, for having provided the relevant data for completion
of our project report.
We express our sincere thanks to our parents and friends for their timely help and
cooperation.

A. Kamaleshwari

S. Muthukkannu

R. Poongodi

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 CONTENTS

PAGE
CHAPTER
TITLE
NO. NO

I INTRODUCTION AND DESIGN OF THE STUDY 1–6

II PERSONNEL MANAGEMENT PRACTICE S OF 7– 20

HANDLOOM COOPERATIVE

III GOVERNMENT SCHEMES IMPLEMENTED FOR WEAVER 21 – 42

– MEMBER BY HANDLOOM COOPERATIVES

IV FINDINGS, CONCLUSIONS AND SUGGESTIONS 43 – 45

BIBLIOGRAPHY

5
 List of Table

S.No Title Page

1. Personnel profile of Anna Weavers Cooperative Society 7
2. Personnel profile of Gandhiji Weavers Cooperative Society 8
3. Personnel profile of Namnadu weavers Cooperative society 9
4. Personnel profile of Silambu weavers Cooperative 10
5. Personnel profile of Kamala Nehru Weavers Cooperative Society 11
6. Personnel profile of Sanjay Gandhi Weavers Cooperative Society 12
7. Personnel profile of Anjugam Weavers Cooperative Society 13
8. Cadre Strength 14
9. Employees Educational Qualifications 15
10. Training and Development 16
11. Years of Experience 17
12. Monthly Salary 18
13. Gender Status of Employees 19
14. Saving and Security Scheme Beneficiaries 24
15. Bunker Bema Yojana Beneficiaries 25
16. Old Age Pension Scheme Beneficiaries and amount) 26
17. Shiksha Sahayog Yojana Scheme (Scholarship) Beneficiaries and amount 27
18. Health Insurance Scheme Beneficiaries and amount 28
19. Housing Scheme Beneficiaries and amount 29
20. Family Pension Scheme Beneficiaries and amount 30
21. Workshed Scheme Beneficiaries 31
22. Borkwell Scheme Beneficiaries and amount 32
23. Health Package Scheme Beneficiaries and amount 33
24. Anna Weavers Cooperative Society Beneficiaries and amount 34
25. Gandhiji Weavers Cooperative Society Beneficiaries and amount 36
26. Anjugam Weavers Cooperative Society Beneficiaries and amount 37
27. Namnadu Weavers Cooperative Society Beneficiaries and amount 38
28. Kamala Nehru Weavers Cooperative Society Beneficiaries and amount 39
29. Sanjay Gandhi Weavers Cooperative Society Beneficiaries and amount 40
30. Silambu Salver Weavers Cooperative Society Beneficiaries and amount 41

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 Chapter-I
Introduction and Design of the Study
Introduction
Personnel Management plays an important role in planning and controlling the
activities of weaver’s Cooperative society. The personnel working in the weaver’s
Cooperatives are expected to be sharp enough to move with the weavers as well as the
personnel. Personnel management is combination of psychology of people and
Coordination of the people towards the accomplishment of goals. There fore personnel
working the Organisation must be motivated flexible. And above all there must feel that
is their Organisation.
In weaver’s Cooperatives, the selection of personnel namely Managers, Clerk,
Accountant etc., was made through proper channel and various stages. It involves the
calling for application, scrutinizing written test Interview and Selection.

The personnel management practices followed by the study units are the major
point of analysis.

Meaning of Personnel Management

A part of general management and deals with people at work. The British Institute
of Personnel Management has defined this area of Management as that part of the
Management function which is concerned with people at work and with their
relationships within an Enterprise. Its aim is to bring together and develop into an
affective Organisation the Man and Women who make up an Enterprise and having
regard to the well being of an Individual and of working groups, to enable to make their
best contribution to its success.

Personnel Management is also concerned with the human and social implications
of change in internal Organisation and methods of working and of Economic and Social
changes in the community.

Edward floppy states “Personnel Management” is the planning, Organizing,

Direction, and Controlling of the procurement, Development, Compensation, Integration,
Maintenance and Separation of Human resources to the end that individual Organisation
and Societal Objectives are Accomplished.

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 Objectives of Personnel Management

• Effective utilization of Human resources in the achievement of Organizational

goals.
• Establishment and Maintenance of an adequate Organizational structure and
desirable working relationship among all members of the Organization.
• Securing integration of the individual and informal groups with the Organizational
and thereby their commitment involvement and loyalty.
• Recognition and satisfaction of individual needs and group goals.
• Provision of Minimum opportunities for individual development and
advancement.
• Maintenance of high morale of Human Organizational.
• Integration of the Organizational with the socio-economic system of the economy.
• To design and develop the Human resources required by an Enterprise and to use
and motivate them effectively so that they make maximum contributed to the
Enterprise goals.
• To maintain good relationship within an Enterprise.
• To meet the Enterprise social and legal responsibilities.

Important Qualities of Personnel Manager

• A mind with a capacity for creative thinking for analysis situations and reasoning
objectively.
• He should know problem, Solving techniques and have an ability to inspire
motivate and direct Employees.
• A devoted sense of vacation and faith in Humanity.
• Capacity for leadership, a sense of Social responsibility and a standard of Social
justice.
• Personnel integrity so that Employees may repress confidence in him.
• Capacity for persuasion, coupled with patience and tolerance.

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 • A Friendly, Approachable Nature, which is tactful and Sympathetic, and a
Pleasing Personality, a Well-groomed Appearance, Sophisticated taste and Habits
and Capable of working with and through other people.
• Initiative and decision making ability.
• Mobility of facial Expression (which encourages confidence, conveys interest,
registers sympathy and always distrust) and finally.
• An ability to generate, trust among his colleagues and develop acceptability,
recognition.
• A readiness to cooperate the Sub-ordinates in times of difficulty and never to
interfere of thrust his advice on theirs.
• A prostitute in giving them the feedback in their handling of Personnel Matters
Whenever necessary in the interest of functioning of the Organization and
established Personnel Policies of the Company.

Personnel Management Functions

The Personnel Management function covers the entire gamut of function including
the personnel Planning, Recruitment, Training placement of Personnel in right Jobs,
Fixing wages, Providing proper work environment Extending welfare and Security
measures, Ensuring cordial Employee relations and creating suitable machinery for
settlement of disputes. All these Personnel Management functions are directed towards
one Objective Viz., the Employees satisfaction.

Selection

Selection of personnel is the most crucial stage. The major objective of selection is to
match the job needs with personnel qualities. This requires considerable caution and
effort in judging the personal qualities of the people and job needs.

Training and Development

Training generally designed for non-managers and refers to technical and
mechanical skills. Training is defined by steinnets as “A short term process utilizing a

9
systematic and organized procedure by which non-managerial personnel learn technical
knowledge and skills for a definite purpose”.

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Objectives:
• Training must be based on organizational and individual needs.
• Training should address problems that need to be solved.
• Training Programmes must be based on sound theories of learning.
• Training must be evaluated and modifications in training program must be
made whenever necessary.
• Training should be a continuous process for employees.

Importance of Training:
It is important that employees be included into training Programmes to improve their
job knowledge, Skills and Future performance. There are;

1. Increased Productivity: Adequate training increases skills which improves both the
quality as well as quantity of the of the product, due to increase in the level of
performance.

2. Improvement of Employee morale: Training improves needed skills which build up

confidence and satisfaction.

3. Availability for Future Personnel needs of the Orgianzional: Good training

Programme develops employees and prepares them for future managerial and Executive
positions.

4. Improvement in Health and Safety: Proper training can help prevent industrial
accidents and create after work environment skilled knowledgeable workers are less
prone to accidents.

5. Reduce Supervision: A trained employee supervises himself. He is responsible and

expects more freedom and autonomy and less supervision.

6. Personal Growth: The training Programmes give the participants a wider awareness, a
sense of self satisfaction and fulfillment, an enlightened philosophy and a value system
that are the apex of the personal growth.

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7. Organizational Stability: Training and development Programmes foster the initiative
and creativity of employees which increases a sense of belonging thus preventing
manpower obsolescence. There is no greater organizational asset then that of trained and
motivated personnel.

Statement of the problem

The role of personnel management is in handloom cooperatives is very much
essential to bring about managerial excellence. The personnel working in the
organization must be made up to perform their activities in a more systematic manner. If
the personnel are competent enough in all respects, definitely there would be better
performance in weaver’s cooperatives. But the scope for working limited number of
employees is witnessed in weaver’s cooperatives. However the process of selecting
personnel is very much emphasized. The researchers being students of cooperation
wanted to know the process of selection of employees, and cadre strength in each society,
their basic qualifications, their level of salary and years of experience and other related
aspects of personnel management. All these require an in depth study, hence, this piece of
research study

Title of the study

Personnel management practices in handloom cooperatives and schemes for
weaver’s development.

Methodology and source of Data

The proposed research is descriptive in nature. There were seven weavers’
societies in Chinnala patty and all the seven were selected census study method was
adopted. The study used both primary and secondary data. The secondary data required
for the study were gathered from the societies, annual report, and audit report and records
The primary data collected from the employees were mostly in the form of discussion.

Tools for Analysis of Data

The data collected were transcribed, tabulated and analyzed by using simple
statistical tools, like simple percentage mean.

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Objectives of the Study

To study the personnel management practices in the handloom
cooperatives.

To review the various schemes implemented by the weavers cooperatives
for their members and take a stock of beneficiaries and amount utilized
under various scheme

Limitations of the Study

The study is not free form limitations. The limitations of the study are two fold.
First the researchers found it very difficult to get the required data as we official always
founds busy. Some times they denied giving data. Then the inferences drawn from the
analyses cannot be generalized to all other hand loom cooperatives in elsewhere.

Chapter scheme
• The first chapter deals with introduction and design of the study.
• The second chapter analyzes personnel management practice of handloom
cooperatives.
• The third chapter describes the various government scheme implemented
for weaver members by handloom cooperatives
• The last chapter uses the summary of the findings, conclusions and
suggestions.

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 Chapter 2
Personnel Management Practices of Handloom Cooperatives

This part of exercise is made to analyze the personnel management practices of

handloom Cooperatives. The analyses include the i. personnel profile of each study units,
and ii. Personnel management particulars of study units. The first part of analysis focuses
on the society wise personnel management. The second part focuses on the staff pattern,
Educational status, Training and Development Experience and Salary particulars of
employees in the study units as whole.

Personnel Profile

Table 1
Anna Weavers cooperative Society

Design No. of Education Training Experience Salary Gender

Position Status Develop
Special 1* B.sc 10 12 18000 M
Officer
Manager 1 10th 5 20 8000 M
Accountant 1 8th 5 20 7000 M
Clerk - - - - - -
Appraiser 1 8th 6 15 6000 M
Others - - - - - -

Total 4 - 26 - 39000

Table1 gives the particulars of personnel of Anna Cooperative Society. It was

found that there were three staff members working in the Organisation. And all of them
were male members. Their education level was 8th standard to 10th standard. Special
officer is government officers depend for administrating the affairs of seven weaver’s
cooperatives in chinnalapatty. He is attached with Anna society.

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 Table 2

Gandhiji Weavers Cooperative Society

Designation No. of Education Training Month

Experience Gen
Position Status Development salary

Manager 1 D.Cop 6 33 12000 M

Accountant 1 +2 3 28 7800 M

Clerk 2 +2 2 28,25 4000 M (2)

Appraiser 2 10th 5 5,3 2500 F (2)

Others 1 +2 4 12 2000 M

Total 7 - 20 134 28,300

Gandhi Society the big society among the study units. The total Number of staff
members were 7 and their educational status was +2 and manager has completed D.Cop.
The staff members together attended 20 training development Programmes. On an average
a staff member has completed 4 Programmes. The experience of staff members indicates
that on an average of staff members have the experience 27 Years. In Gandhi Society out
of 7 staff members. 5 were Male and 2 were Female.

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 Table 3
Namnadu Weavers Cooperative society

Desig No of Educational Training Experience Salary Gend

Positon Status Development
Manager 1 D.Cop 2 12 4756 M

Accountant - - - - - -

Clerk 1 10th - 22 6212 M

Appraiser 1 12th - 5 2000 F

Others - - - - - -

Tot 3 - - 39 12968

It is clear from the table that there were 3 staff members working in the
Organisation. The educational qualifications show that the Manager and Appraisers have
studied more then 10th standard Manager alone has attended 2 Programmes and it is
revealed the clerk has put in 20 Year of Service. In the Society out of 3 members, 2 were
male and 1 was Female member.

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 Table 4

Silambu selvar Weavers Cooperative society

Salar
Designatio No. of Educationa Training Experienc y Gende
n Positio l Developmen e r
n Status t
Manager 1 SSLC - 28 8850 M

Accountant 1 B.COM 5 20 5500 F

Clerk 1 8th 6 - 4750 M

Appraiser - - - - - -

Others 1 5th 1 25 1500 M

Total 4 - 12 73 20,60
0

In case of Silambu Selvar Society of 4 staff members 3 were Male. The Accountant
has high educational qualification namely B.Com Degree. The staff members all together
completed 12 Programmes. On an average, the staff members have completed 4
Programmes each and mean experience was 24Years. Of the4 staff members 3 belonged to
Male.

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 Table 5
Kamala Nehru Weavers Cooperative Society

Designatio No. of Educationa Training Salar

Experienc Gende
n Positio l Developmen y
e r
n Status t
Manager 1 SSLC 2 27 8903 M
Accountant 1 D.Cop 8 18 4840 F
Clerk - - - - - -
Appraiser 1 8th 2 5 2700 M
Others - - - - - -
Total 3 - 12 50 16443

In case of Kamala society 3 staff members working and whose educational

qualification was up to 10th. Here, Accountant has completed D.Cop. The staff members
had completed 8 training Programmes, manager had 27 years of experience. Of the 3 staff
members 2 were Male members and 1was Female.

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 Table 6

Sanjay Gandhi Weavers Cooperative society

Designatio No. of Educationa Training Experienc Salar Gende

n Positio l Developmen e y r
n Status t
Manager 1 SSLC 6 20 6700 M
Accountant 1 D.Cop 6 10 4700 F
Clerk - - - - - -
Appraiser 1 12th - 2 1500 F
Others - - - - - -
Total 3 - 12 32 12900

In case of Sanjay Gandhi Society, 3 staff members were working and the
Accountant has completed D.Cop .Manager and Accountant have completed 6 training
Programmes each. The mean experience of service was 10 Years. It is a only Society
Where we could find 2 Female members among the 3 employees.

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 Table 7
Anjugam Weavers Cooperative Society.

No. of Educationa Training Salar

Designatio Experienc Gende
Positio l Developmen y
n e r
n Status t
Manager 1 SSLC 6 22 9500 M

Accountant 1 SSLC 4 15 8000 M

Clerk 1 D.COOP 2 3 3000 F

Appraiser - - - - - -

Others - - - - - -

Total 3 - 12 40 20,50
0

In Anjugam Society there were 3 staff members found working. Here, the Clerk has
completed D.Cop Programme and who was recently appointed. The 3 staff members had
completed 12 training Programmes. The mean Experience of members was 13 Years. Of the 3
staff members 1 was found to be Women.

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 Table 8
Cadre Strength

Society SO MGR AC CLE AP OTH TOT

Anna 1* 1 1 - 1 - 4
Gan 1 1 1 2 2 7
Nam 1 - 1 1 - 3
Slam 1 1 1 - 1 4
Kam 1 1 - 1 - 3
San 1 1 - 1 - 3
Anju 1 1 1 - - 3
TOT 1 7 6 4 6 3 27

The cadre strength of study units is described, in the above table; it is found that 27
staff members were working, on an average 4 staff member in each Society. Among the
study units, Gandhi Society was found to have 7 staff which is found to be high and the
low numbers of staff members were found with Kamala, Sanjay, and Anjugam among the
cadres Manager and Clerk positions were found high, as those cadres are found in each
society.

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 Table 9
Employees Educational Qualifications
Society SO MGR AC CLE AP OTH
Anna B.Sc* 10th 8th - 8th -
Gan D.Cop 12th 12th 10&12th 10th
Nam D.Cop - 10th 12th -
Slam SSLC B.Com 8th - 5th
Kam SSLC D.Cop - 8th -
San SSLC D.Cop - 12th -
Anju SSLC SSLC D.Cop - -

It is clear from the table only 2 staff members’ special officer and accountant have
completed Degree Programmes, and the Accountant who belonged to Silambu Selvar.
Among the Managers two have completed Diploma Programmes and the rest had
completed 10th std. Among the Accountants two of them have completed D.Cop. In case
of Anjugam Society, Clerk has completed Diploma. It is therefore inferred that the
majority of staff members have completed +2 and only 2 persons have completed degree
Programme.

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 Table 10
Training and development

Society SO MGR AC CLE AP OTH Tot

Anna 10 5 5 - 6 - 26 (27.08)

Gan 6 3 2 5 4 20 (20.8)

Nam 2 - - - - 2 (2.08)

Slam - 5 6 - 1 12 (12.5)

Kam 2 8 - 2 - 12 (12.5)

San 6 6 - - - 12 (12.5)

Anju 6 4 2 - - 12 (12.5)

Tot 10 (10.4) 27 31 10 13 5 96
(28.10) (32.2) (10.4) (13.5) (.5.2) (100)

All the staff members of the study units had completed 96, training and
development Programmes, on an average a staff member has completed 3.5 programme
each. If we look at society wise analysis it is the Anna Society which was found to be
high in percentage of Programme (27%) followed by Gandhi Society with 21% .In case of
Namnadu Society, only 2 Programme were completed. All the rest of the Societies have
participated 12 Programmes each with 12.5% each. Among the cadres it also reveals that
Accountants have attended more Programmes (32%) followed by Managers (28%) the
special officer has attended 10 Programme (10.4).

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 Table 11
Years of Experiences
Society SO MGR AC CLR APP OTH Tot
Anna 10 years 20 20 - 15 - 65 (16.20)
Gan 33 28 28,25 5,3 12 134
(19.10)
Nam 12 - 22 5 - 39 (13)
Slam 28 20 - - 25 73 (18.25)
Kam 27 18 - 5 - 50 (16.60)
San 20 10 - 2 - 32 (10.6)
Anju 22 15 3 - - 40 (13.30)
Tot 162 111 78 35 37
Avg 23.10 18.50 19.50 5.80 18.50

The number of Years of Experience put in by the personnel of weaver’s Cooperatives

was described in the table 11. It is found that the mean Experience was high among the
Managers followed by Clerk with 19.5. Among the Society wise, it indicates that the Gandhi
Society found to have high mean Experience followed by Silambu with 18 Years.

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 Table 12
Monthly Salary

Society SO MGR AC CLR APP OTH Tot

Anna 18,000 8,000 7,000 - 6,000 - 21,000
Gan 12,000 7,800 4,000 2,500 2,000 28,300
Nam 4,756 - 6,212 2,000 - 12,968
Slam 8,850 5,500 4,750 - 1,500 20,600
Kam 8,903 4,840 - 2,700 - 16,443
San 6,700 4,700 - 1,500 - 12,900
Anju 9,500 8,000 3,000 - - 20,500
Tot 58,709 37,850 17,962 14,700 3,500
Avg 8387 6,308.3 4,490.5 2,450 1,750

The monthly salary obtained by the personnel is described in the table. It is the
Manager cadre which has high mean salary Rs.8387 followed by Accountant cadre with
6308. The mean value of salary with regard to Society wise. It is the Anna Society which
has high mean salary with Rs.9750 followed by Anjugam with Rs.6833. An analysis on
the high salary among the cadres reveals that it is manager in case of Gandhiji at 12,000
in case Gandhiji Accountant in case Anjugam with 8000, clerk in case of Namnadu 6212
and appraiser in case of Anna Society with 6000 found high. The variation among the
salary was determined by service put in by the particular cadre by the cadre and service
on the staff.

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 Table 13
Gender Status of Employees

Society SO MGR AC CLR APP OTH

Anna M* M M - M -

Gan M M M(2) F(2) M

Nam M - M F -

Slam M F M - M

Kam M F - M -

San M F - F -

Anju M M F - -

It is clear from table that 71% personnel were Male members and rest was Female
staff members. The cadre wise gender status indicates that no Female person was found
to be in the Manager cadres. In the Accountant Cadre, both Male and Female had equal
strength. In case of Clerks, there was one Female Clerk represents 20%. In case of
appraiser the Women personnel took upper hand as they had 2 times higher than that of
the Male members.

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 CHAPTER 3

GOVERNMENT SCHEMES

Savings and Security Scheme

The Government of Tamilnadu is implementing the "Co-operative Handloom Weavers'

Savings and Security Scheme" from the year 1975, aiming at encouraging the saving habits
among handloom weavers. The Government of India is also participating in the Scheme from the
year 1985-86 and contributes its share under the Central Thrift Fund Scheme. Under this scheme,
each Weaver of the Weavers’ Co-operative Society Contributes 8 paisa per rupee of wages
earned, the State Government is contributing 4 Paisa per rupee of wages and the Government of
India contributes 4 paisa per rupee Under the Central Thrift Fund Scheme.

Accordingly, the total subscription of 16 paisa is Being deposited in the Government

Account for which the State Government allows 9.5% Interest. Out of this 9.5% interest, 6.5% is
being credited to the weaver member’s account and the remaining 3% is being utilized for
implementing the Old Age Pension Scheme and the Family Pension Scheme for handloom
weavers. As on 31.3.2008, 78,443 Weavers are enrolled in the scheme.

During the year 2007-08, the State Government has sanctioned an amount of Rs.418.40
lakh for this scheme towards State’s share and the Government of India have Sanctioned an
amount of Rs.418.40 lakh towards the Government of India’s share as Matching contribution.

In the Budget Estimate for the year 2008–2009, an amount of Rs.850 lakh (State Share
Rs.425 lakh and Government of India’s share Rs.425 lakh) has been provided for this scheme.
2. Bunker Bema Yojana
(Insurance Scheme for Handloom Weavers)

The Insurance Scheme called “Mahatma Gandhi Bunkar Bima Yojana" is being
implemented by Government of Tamil Nadu for weavers from the year 2004-05 with the
Assistance of Government of India in collaboration with Life Insurance Corporation of India.
Under Mahatma Gandhi Bunkar Bima Yojana, the total premium to be paid to Life Insurance
Corporation would be Rs.330/- per weaver/ per annum, of which Rs.150/- will be contributed by
Government of India, Rs.100/- will be contributed by Life Insurance Corporation of India and the
weaver’s contribution of Rs.80/- will be paid by the State Government.

27
 The Government of India have revised the insurance amount payable to the Handloom
weavers enrolled under the scheme with effect from 1.10.2007 as detailed Below:

The scheme, which was till then beneficial to the weavers of co-operative fold, was
Extended by the Government to the handloom weavers outside the co-operative fold also from the
year 2006 – 2007 onwards. In the last three years, an insurance amount to the Tune of Rs.468.10
lakh has been paid to 949 families of deceased handloom weavers so far. At present, 1, 92,220
handloom weavers (1, 25,054 from the co-operative fold and 67,166 from outside co-operative
fold) have been enrolled and during 2007–2008, a Premium amount of Rs.1, 53, 77,600/- has been
paid to the Life Insurance Corporation of India by the State Government on behalf of the weavers.

This Scheme will be continued during the year 2008-09 and it is proposed to cover
Around 2, 25,000 weavers under this scheme. The State Government has made a Provision of
Rs.160 lakh in the Budget Estimate for the year 2008–2009 towards the Payment of premium on
behalf of weavers under this scheme.

3. Old Age Pension Scheme

The Government of Tamil Nadu, with effect from 1.04.1997, is implementing Old Age
Pension Scheme for handloom weavers coming under the co-operative fold. As announced in the
Budget Speech for the year 2007-2008, the Old Age Pension payable To the handloom weavers
who have attained the age of 60 years has been enhanced From Rs.200/- to Rs.400/- per month
with effect from 1.6.2007. As on 31.3.2008, 14,141 Handloom weavers are provided with Old
Age Pension under this scheme. During the Year 2007–2008, the State Government has
sanctioned Rs.663.65 lakh for this scheme and The Government has decided to continue this
scheme during the year 2008 – 2009.

4. Family Pension Scheme

The Tamil Nadu Co-operative Handloom Weavers' Family Pension Scheme is being
implemented by the Government of Tamil Nadu with effect from 01.01.1992. According to this
scheme, in the event of death of a handloom weaver member before attaining the age of 60 years,
the nominee of the deceased weaver will be paid Family Pension for 10 years from the date of
death of the weaver.

28
 As announced on the floor of Assembly during the year 2007, the Family Pension payable
to the nominees of deceased handloom weavers has been enhanced from Rs.350/- to Rs.550/- with
effect from 1.5.2007. As on 31.3.2008, 1029 families of the deceased handloom weavers have
been provided with Family Pension under this Scheme. During the year 2007–2008, the
Government has sanctioned an amount of Rs.66.73 lakh for this scheme and this scheme will be
continued during 2008-09.

5. Health Insurance Scheme

To protect and to improve the health condition of handloom weavers, a Health Insurance
Scheme has been implemented by the Government from 2005-06 through ICICI Lombard General
Insurance Company Ltd. Under this scheme, 4 members of Weaver’s family are eligible to get
medical assistance up to Rs.15, 000/- annually. From the year 2006-07, the Health Insurance
Scheme has been implemented for all the weavers both within the co-operative fold and outside
the co-operative fold. From the year 2007- 08, the Government has also extended the scheme to
the ancillary handloom workers of the handloom industry.

As per the modified premium pattern, the total premium to be paid to ICICI Lombard
General Insurance Company Ltd would be Rs.781.60 per weaver per annum. Out of the total
premium, the Government of India's contribution is Rs.642.47, State Government’s contribution
is Rs.89.13 and the weaver's contribution is Rs.50/-. The State Government have decided to bear
the weavers’ contribution of Rs.50/- annually and have sanctioned an amount of Rs.417.39 lakh
for this purpose for the year 2007-08. The details of medical benefits availed by the weavers and
medical claims settled by ICICI Lombard General Insurance Company Ltd, during the last 2 years
are as below:-

Sl.No NO. of year No. of claims No. of claims Amount paid

received settled (Rs. In lakh)
1 2006-07 88377 70971 950.50

2 2007-08 37308 29485 492.75

This scheme will be continued during the year 2008-09 and about 3 lakh weavers Will be
covered under the scheme. A provision of Rs.417.39 lakh is made in the Budget Estimate for the
year 2008-09 by the State Government as its share for the implementation of this scheme.

29
6. Free Power Supply to Weavers

The Government has fulfilled the long term demand of the handloom weavers by
Providing free power up to 100 units bimonthly to 1, 35,200 handloom weavers. Similarly, free
power supply has been provided up to 500 units bimonthly to 98,465 services connections of
power loom weavers who run their own power looms. This scheme has been implemented from
1.8.2006. The Government has sanctioned an amount ofRs.62.68 crores for the year 2006-07 and
Rs.74.22 crore for the year 2007-08 for the free Power supply to weaver’s scheme and the above
amount is reimbursed to the Tamilnadu Electricity Board to compensate the loss on account of the
free power supply. This Scheme will be continued during the year 2008-09 and a provision of
Rs.78.04 crore has been made in the Budget Estimate for the year 2008-09.
7. Shiksha Sahayog Yojana

The Shiksha Sahayog Yojana is one of the components of Mahatma Gandhi Bunker Bema
Yojana. Under this scheme, scholarship is extended to the children (Restricted to 2 children) of
handloom weavers who are members of the Mahatma Gandhi Bunker Bema Yojana. The
scholarship is provided for the children studying in Std. IX to XII at Rs.1, 200/- per annum per
child for a maximum period of 4 years or till they complete XII std., whichever is earlier?

The details of scholarship paid to the children of weavers for the past 3 years are As follows:

Year No. of students Amount paid

(Rs. In lakhs)
2004 -05 9473 85.26

2005 - 06 14424 148.58

2006 – 07 23555 250.37

30
 Table 14
Savings and Security Scheme (Beneficiaries)

Year Anna Gandhiji Nam Silambu Kamala Sanjay Anju Total

97-98 65(25) 150(58) - - 25(9) 18(6) - 258

98-99 65(23.2) 160(57.3) - - 28(10) 21(8.1) 5(1.7) 279

99-00 70(26.6) 140(53.2) - - 24(9.1) 29(11) - 263

00-01 71(19.5) 120(32.9) - 99(27.1) 37(10.1) 37(10.1) - 364

01-02 75(20.2) 105(28.3) - 100(27) 42(11.3) 48(12.9) - 370

02-03 85(19.6) 115(26.6) - 110(25.4) 56(12.9) 59(13.6) 7(1.6) 432

03-04 90(18.8) 130(27.2) - 109(22.8) 69(14.4) 79(16.5) - 477

04-05 11(22.1) 128(25.0) - 103(20.1) 78(15.2) 88(17.2) - 510

05-06 121(20) 130(21.5) 68(11.2) 100(16.5) 96(15.9) 93(15.4) - 603

06-07 142(20.7) 140(20.4) 93(13.5) 97(14.1) 112(16.3) 101(14.7) - 685

TOTAL 897 1318 161 718 567 573 12 4246

(21) (31) (3.7) (16.9) (13) (13) (0.28)
AVG. 89.7 131 80.5 102.5 56.7 57.3 6

Savings and Security Scheme meant for inculcating the habit of thrift and savings.
Every member has to pay 8 paisa for per Rupee of their wages. The amount is maintained
by the weavers Cooperative. Therefore every active member who is working with the
society is automatically eligible under the Scheme. It is found from the table that there
were 258 beenficiaries which has as increased to 685 beneficiaries of the total
beneficiaries the Gandhiji Society contributed 31% followed by Anna Society with 21%.
The lowest was indicated in case of Anjugam Society. Among the year wise performance
the last three years of the study period was found better.

31
 Table 15
Bunker Bema Yojana (Beneficiaries)

Year Anna Gandhi Nam Silambu Kamala Sanjay Anjugam Tot

97-98 - - - - - - -
-
98-99 - - - - - - - -

99-00 - - - - - - - -

00-01 - - - - - - - -

01-02 - - - 80(100) - - - 80

02-03 - - - 75(100) - - - 75

03-04 3 4 1 - - - - 8
(0.012) (0.02) (0.08) (0.83)
04-05 6 3 - 1 2 - - 12
(0.024) (0.01) (0.004) (0.01) (0.04)
05-06 - 3 1 1 4 1 - 10
(0.01) (0.08) (0.004) (0.02) (0.004) (0.88)
06-07 6 4 - 1 4 1 9 25
(0.024) (0.02) (0.004) (0.02) (0.004) (0.03) (0.1)
TOTAL 18(24) 20(27) 4(5.4) 10(13.6) 10(13.6) 2(2.7) 9(12.3) 73
(0.06) (0.08) (1.79) (0.02) (0.05) (0.008) (0.03) (2.02)

As it is revealed that the Scheme is in operation among the study units since 2001-
02,by Silambu Society. The Scheme has been implemented by 5/7 Societies. The
scheme is not in operation in Namnadu and Anjugam Society. Under this Scheme 1590
weavers got benefited and the beneficiaries found to be high in case of Silambu as the
Society implements the scheme from 2001-02.

32
 Table 16
Old Age Pension Scheme (Beneficiaries and Amount)

Year Anna Gandhi Nam Silambu Kamala Sanjay Anjugam Tot

97-98 - - - - - - - -

98-99 - - - - - - - -

99-00 1 - - - - - - 1
(0.002) (0.002)
00-01 - - 2 - - - - 2
(0.14) (0.14)
01-02 2 3 - 7 - - - 12
(0.002) (0.01) (0.01) (0.02)
02-03 - 3 - - - - - 3
(0.01) (0.016)
03-04 3 4 1 - - - - 8
(0.012) (0.02) (0.08) (0.83)
04-05 6 3 - 1 2 - - 12
(0.024) (0.01) (0.004) (0.01) (0.04)

05-06 - 3 1 1 4 1 - 10
(0.01) (0.08) (0.004) (0.02) (0.004) (0.88)
06-07 6 4 - 1 4 1 9 25
(0.024) (0.02) (0.004) (0.02) (0.004) (0.03) (0.1)
TOT 18(24) 20(27) 4(5.4) 10(13.6) 10(13.6) 2(2.7) 9(12.3) 73
(0.06) (0.08) (1.79) (0.02) (0.05) (0.008) (0.03) (2.02)

The particulars of old age pension scheme along with the beneficiaries and the
amount obtained are described in the table. It is found that for the whole study period 73
beneficiaries beneficiated under the Scheme and a total amount of Rs 2 lakhs were
obtained under the Scheme. The Anna and Gandhiji Societies implement the Scheme for 5
years and in case of Anjugam and Sanjay for last one year and 2 year respectively. It is
seen from the table that the Scheme was implemented effectively for the last 3 years of
the study period. The high beneficiaries were witnessed in the case of Gandhiji Society
with 20 and Anna Society with18 respectively. The year wise analysis indicates that the
final year of the study period was found to have more beneficiaries with 25.

33
 Table 17
Shiksha Sahayog Yojana Scheme (Scholarship) Beneficiaries & Amount

Year Anna Gandhi Nam Silam Kamal Sanjay Anju Tot

97-98 - - - - - - - -

98-99 - - - - - - - -

99-00 - - - - - - - -

00-01 - - - - - - - -

01-02 - - - 10 - - - 10
(0.15) (0.15)
02-03 - - - 15 - - - 15
(0.22) (0.22)
03-04 - - 17 14 - - - 31
(0.10) (0.21) (0.31)
04-05 14 - - 11 18 9 - 52
(0.21) (0.16) (0.21) (0.10) (0.68)

05-06 11 13 13 8 18 11 - 74
(0.16) (0.19) (0.15) (0.12) (0.21) (0.13) (0.96)
06-07 19 25 12 12 22 - 21 111
(0.28) (0.37) (0.18) (0.18) (0.26) (0.25) (1.34)
TOT 44(15.0) 38(12.9) 42(14.3) 70(23.8) 58(19.7) 20(6.8) 21(7.1) 293
(0.66) (0.56) (0.43) (1.04) (0.69) (0.24) (0.25) (3.56)

The particulars of scholarship Scheme is described in the table 1.4.Under this

scheme 293 beneficiaries have beneficiated the scheme and a some of Rs.3,56,000 was
utilized .The Scheme was found to have implemented from 2001-02. A high number of
beneficiaries and amount to be associated with Silambu Society with 70(1.04) followed by
Kamala with 58(0.69) respectively As the Schemes is meant for words of weavers the
number of beneficiaries and the amount depend upon the words of the weavers.

34
 Table 18
Health Insurance Scheme Beneficiaries & Amount

Yea Anna Gandh Nam Silam Kamal Sanjay Anj Tot

r i u
97- - - - - - - - -
98
98- - - - - - - - -
99
99- - - - - - - - -
00
00- - - - - - - - -
01
01- - - - - - - - -
02
02- - - - 5 - - - 5
03
03- - - - 10 42 82 - 134
04 (0.63) (1.23) (1.86)
04- - - - 11 34 - - 45
05 (0.51) (0.51)

05- 124 - 98 12 48 28 - 310

06 (9.3) (0.19) (0.72) (0.42) (10.63
)
06- 150 - 98 12 40 - - 300
07 (11.2) (0.19) (0.60) (12.04
)
TO 274(34.5 - 196(24.6 50(6.2 164(20.6 110(13.8 - 794
T ) ) ) ) ) (25.04
(20.5) (0.39) (2.46) (1.65) )

It is clear from the table 794 beneficiaries benefited under the Scheme with an amount
of 25 lakhs. It is found that the beneficiaries found to be high in Anna Society followed
by Namnadu with 196 members. The amount of Health Insurance was depending upon
the number of cases and Health problems. The year wise analysis indicates that the
beneficiaries found to be attached in the last 2 years of the study with 300 beneficiaries.
The Health Insurance Scheme was implemented by the weavers Cooperatives since 2002-
03.

35
 Table 19
Housing Scheme Beneficiaries & Amount

Year Anna Gandhi Nam Silam Kamal Sanjay Anju Tot

97-98 - 45 - - - - - 45
(11.25) (11.25)
98-99 1 6 - - - - 5 12
(0.25) (1.50) (1.25) (1.75)
99-00 - - - - - - - -

00-01 - - - - - - - -

01-02 - - - 6 - - - 6
(1.50) (1.50)
02-03 - 1 - 5 - - 7 13
(1.25) (1.25) (1.87) (3.37)
03-04 10 2 - - - 25 - 37
(3.40) (0.50) (6.25) (10.15)
04-05 - - - - 4 7 - 11
(1.02) (1.75) (2.77)

05-06 - - - 1 6 - - 7
(0.25) (1.53) (1.78)
06-07 - - - 1 6 - - 7
(0.25) (1.53) (1.78)
TOTAL 11(7.5) 54(39) - 13(9) 16(11) 32(23) 12(8) 138
(3.65) (13.50) (3.25) (4.09) (8.00) (3.12) (34.36)

It is clear from the table that the beneficiaries and the quantum of amount received
under the Scheme is exhibited in the table. The Scheme has been in operation for the past
10 years. It is in the fist year, both the number of beneficiaries and the amount found to
be high with 45 persons and Rs.11.25 lakhs respectively and the high numbers and the
amount was associated with Gandhiji society. Of the total beneficiaries and the amount. It
is the Gandhiji with which high number of beneficiaries (39%) with Rs.13.50Lakhs

36
followed by Sanjay society with (23%) and Rs.8 Lakhs. A member is eligible to get
Rs.25, 000 for housing under this scheme.
Table 20
Family Pension Scheme Beneficiaries and Amount

Year Anna Gandhi Nam Silam Kamala Sanjay Anju Tot

97-98 - 78 - - - - - 78
(0.31) (0.31)
98-99 - - - - - -

99-00 - - - 50 - - - 50
(0.27) (0.27)
00-01 - - - 13 - - - 13
(0.07) (0.07)
01-02 - - - 16 - - - 16
(0.08) (0.08)
02-03 - 108 - 17 - - - 125
(0.43) (0.09) (0.52)
03-04 1 - 1 20 - - - 22
(0.005) (0.24) (0.11) (0.355)
04-05 - 123 - 25 - 2 - 150
(0.49) (0.13) (0.04) (0.66)

05-06 3 - 3 18 - 2 - 26
(0.01) (0.72) (0.09) (0.04) (0.86)
06-07 3 106 1 17 1 2 1 131
(0.01) (0.42) (0.24) (0.09) (0.04) (0.13) (0.05) (0.93)
TOTAL 7(1.1) 415(67.9) 5(0.8) 176(28.8) 1(0.2) 6(0.9) 1(0.2) 611
(0.02) (1.65) (1.2) (0.93) (0.04) (0.21) (0.05) (4.05)

It is found that all together 611 beneficiaries have availed Rs.4.05 Lakhs, under
this scheme. The society wise performance indicates that in Gandhiji society the high
number of beneficiaries (415) as well as the loan amount (1.65 Lakhs) was found
followed by Silambu salver society with 17 beneficiaries with the loan amount of Rs 0.93
Lakhs .Year wise performance indicates that in the year 2004-05 found to have high
number of beneficiaries with an amount of Rs.150 and Rs 0.66 Lakhs respectively.

37
 Table 21

Workshed Scheme Beneficiaries and Amount

Year Anna Gandhi Nam Silambu Kamal Sanjay Anjugam Tot

97-98 - - - - - - - -
98-99 - - - - - - - -
99-00 - - - - - - - -
00-01 - - - - - - - -
01-02 - - - - - - - -
02-03 - - - - - - -
03-04 10 - - - - 10 - 20
(0.70) (0.70) (1.4)
04-05 3 - - - 5 - - 8
(0.21) (0.01) (0.22)
05-06 - - - - - 5 - 5
(0.35) (0.35)
06-07 - - - - 4 - - 4
(0.04) (0.04)
TOT 13(37.1) - - - 9(25.7) 15(42.8) - 35
(0.91) (0.08) (1.05) (2.01)

Work shed scheme is to facilitate the weavers to have shed for weaving and
keeping the looms away from rain and hot Rs.7, 000 is given to a member under this
scheme. During the 10 year study period, all together 35 members have availed benefits.
This scheme is in operation by the society from 2003-04 on words. It is found that only
three societies have availed the scheme. The Sanjay society was found to be high among
the three societies. Year wise performance indicates that in 2003-04 was found to have
high performance with 20 beneficiaries and Rs.1.4 Lakhs.

38
 Table 22
Bore well Scheme Beneficiaries and Amount

Year Anna Gandhi Nam Silam Kamal Sanjay Anju Tot

97-98 - - - - - - - -
98-99 - - - - - - - -
99-00 - - - - - - - -
00-01 - - - - - - - -
01-02 - - - - - - - -
02-03 - - - - - - -
03-04 1 - - - - - - 1
(0.25) (0.25)
04-05 1 - - - - 1 - 2
(0.25) (0.25) (0.50)
05-06 - - - - - - - -
06-07 - - - - - - - -
TOTAL 2(66.6) - - - - 1(33.3) - 3
(0.50) (0.25) (0.75)

Bore well scheme has been in operation since 2003-04. Only three members have
availed the scheme. A sum of Rs.25, 000 is given per member under the scheme. Two
members from Anna society and one member from Sanjay availed the scheme.

39
 Table 23
Health Package Scheme Beneficiaries and Amount

Year Anna Gandhi Nam Silam Kamal Sanj Anju Tot

97-98 - - - - - - - -
98-99 41 - - - - - - 41
(0.61) (0.61)
99-00 - - - - - 11 11
(0.16) (0.16)
00-01 17 - - - 6 31 48
(0.25) (0.45) (0.23) (0.93)
01-02 - - - - 2 50 52
(0.15) (0.75) (0.9)
02-03 - - - - 13 50 63
(0.97) (0.75) (1.72)
03-04 38 - - - 4 50 92
(0.57) (0.30) (0.75) (1.62)
(0.07)
04-05 - - - 1 - 1
(0.07) (0.07)
05-06 - - - 10 - 10
(0.75) (0.75)
06-07 - - - - 9 - 9
(0.67) (0.67)
TOT 96(29.3) - - - 45(13.7) 192(58.7) 327
(1.44) (3.36) (2.64) (7.43)

It is found that 327 beneficiaries have availed this scheme during period. Of the total
beneficiaries the weaver members from Sanjay Gandhi found to be high in utilizing the
scheme with 192 with an amount of Rs.2.64 Lakhs, followed by Anna society with 96
beneficiaries with an amount of Rs.1.44 Lakhs. It is found that only three societies have
utilizing the scheme viz., Anna, Kamala and Sanjay. Though the schemes were in
operation from 1998-99 onwards was not used in many of the years.

40
 Handloom Weavers Cooperative Societies Scheme
Table 24
Anna Weavers Cooperative Society
Schemes 97-98 98-99 99-00 00-01 01-02 02-03 03-04 04-05 05-06 06-07 TOTAL
SSS B 65 65 70 71 75 85 90 113 121 142 897
A - - - - - - - - - - -
BBYS B - - - - - - - 113 149 142 404
A - - - - - - - - - - -
OAPS B - - 1 - 2 - 3 6 - 6 18
A - - (0.002) - (0.008) - (0.01) (0.02) - (0.02) (0.06)
FPS B - - - - - - 1 - 3 3 7
A - - - - - - (0.05) - (0.01) (0.01) (0.7)
SSYS B - - - - - - - 14 11 19 44
A - - - - - - - (0.21) (0.16) (0.28) (0.66)
HIS B - - - - - - - - 124 150 274
A - - - - - - - - (9.30) (11.25) (20.5)
HS B - 1 - - - - 10 - - - 11
A - (0.25) - - - - (3.40) - - - (3.65)
WS B - - - - - - 10 3 - - 13
A - - - - - - (0.70) (0.21) - - (0.91)
BW B - - - - - - 1 1 - - 2
A - - - - - - (0.25) (0.25) - - (0.50)
HPS B - 41 - 17 - - 38 - - - 96
A - (0.61) - (0.25) - - (0.57) - - - (1.44)
FES B - - - - - - - - 142 142 284
Total 65 107 70 88 77 85 153 250 550 746 2192
(0.86) (0.002) (0.25) (0.008) (4.98) (0.69) (9.47) (11.56) (28.51)

41
 In case of Anna Society under saving and Security Scheme their were 65

beneficiaries in the 1st year has increased to 142 in the final year of the study. The

Bunkar Bima Yojana Scheme was in operation for last 3 years and has raised for 142.

Another key Programme implemented Health insurance Scheme which was also

operation last 2 years and 150 members have availed benefits under this Scheme. Free

Electricity were in 142 members got benefited.

42
 Table 25
Gandhiji Weavers Cooperative Society
Schemes 97-98 98-99 99-00 00-01 01-02 02-03 03-04 04-05 05-06 06-07 TOTAL

SSS B 150 160 140 120 105 115 130 128 130 140 1318
A - - - - - - - - - - -
BBYS B - - - - - - - - - 122 122
A - - - - - - - - - - -
OAPS B - - - - 3 3 4 3 3 4 20
A - - - - (0.01) (0.01) (0.02) (0.01) (0.01) (0.02) (0.08)
FPS B 78 - - - - 108 - 123 - 106 415
A (0.31) - - - - (0.43) - (0.49) (0.42) (1.65)
SSYS B - - - - - - - - 13 25 38
A - - - - - - - - (0.19) (0.37) (0.56)
HIS B 45 6 - - - 1 2 - - - 54
A (11.25) (1.50) - - - (0.25) (0.50) - - - (13.50)
HS B - - - - - - - 20 - - 20
A - - - - - - - (0.80) - - (0.80)
WS B - - 93 29 48 34 sa43 61 63 42 413
A - - (2.79) (0.87) (1.44) (1.02) (1.29) (1.83) (1.89) (1.26) (12.39)
BW B 25 - - - - - 16 20 3 - 64
HPS B - - - - - - - - 20 20 40
A - - - - - - - - (0.02) (0.02) (0.04)
Total 298 166 233 149 156 261 195 355 232 459 2504
(11.56) (1.50) (2.79) (0.87) (1.45) (17.1) (1.81) (3.13) (2.11) (2.09) (29.02)

43
 n Gandhiji Society 10 Schemes have been implemented. Four Schemes were in
operation from the 1st year of the study period. Namely Saving and Security Scheme,
Family Pension Scheme, Housing Scheme and Thari kudam year wise performance
indicates that the highest beneficiaries was witnessed him 2006-07 with 459 beneficiaries
and lowest member witnessed in 2000-01 with 149 beneficiaries. The highest loan
amount was witnessed in 1997-98 with an amount of 11.56 lakhs and the lowest was
2000-01 with in amount Rs.0.87 lakhs. The reasons of high amount because of 45
beneficiaries come under housing Scheme whose unit cost is normally high.

TABLE 26
ANJUGAM WEAVERS COOPERATIVE SOCIETY
Schemes 97- 98-99 99- 00- 01- 02-03 03- 04- 05- 06-07 TOTAL
98 00 01 02 04 05 06
SSS B - - - - - - - - - 90 90
A - - - - - - - - - - -
OAPS B - - - - - - - - - 9 9
A - - - - - - - - - (0.03) (0.03)
FPS B - - - - - - - - - 1 1
A - - - - - - - - - (0.05) (0.05)
SSYS B - - - - - - - - - 21 21
A - - - - - - - - - (0.25) (0.25)
HS B - 5 - - - 7 - - - - 12
A - (1.25) - - - (1.87) - - - - (3.12)
FMS B - - - - - - - - - 86 86
A - - - - - - - - - - -
TOT - 5 - - - 7 - - - 259
(1.25) (1.87) (0.33)

In Anjugam Society very few Schemes were in operations, only in last year of
the study 259 weavers got benefited under 6 schemes. The only scheme ‘Housing
Scheme’ was implemented in the year 1998-99 and 2002-03 with 5 members and 7
members respectively

44
 Table 27
Namnadu Weavers Cooperative Society
Schemes 97- 98- 99- 00-01 01- 02- 03-04 04- 05-06 06-07 TOT
98 99 00 02 03 05
SSS B - - - - - - - - 68 93 161
A - - - - - - - - - - -
OAPS B - - - 2 - - 1 - 1 4
A - - - (0.14) - - (0.08) - (0.08) (1.79)
FPS B - - - - - - 1 - 3 1 5
A - - - - - - 0.24 - -
SSYS B - - - - - - 17 - 13 12 42
A - - - - - - (0.10) - (0.15) (0.18) (0.43)
HIS B - - - - - - - - 98 98 196
A - - - - - - - - (0.19) (0.19) (0.39)
FES B - - - - - - - - 98 98 196
A - - - - - - - - - - -
Total - - - 2 - - 19 - 281 400 702
(0.14) (0.42) (1.14) (0.61) (3.81)

A Namnadu weaver Cooperative Society has implemented 6 schemes during the

study period. Only in last 2 year of study all the 7 Scheme were implemented with high
number of beneficiaries are found inclusive all the Programmes very few schemes with
low Number of beneficiaries and amount were found in 2001-02 and 2003-04.

45
 Table 28
Kamala Nehru Weavers Cooperative Society

Scheme 97 98 99 00- 01- 02- 03- 04- 05- 06- TOT

s - - - 01 02 03 04 05 06 07
98 99 00
SSS B 25 28 24 37 42 56 69 78 96 112 567
A - - - - - - - - - - -
BBYS B - - - - - - - - 108 110 218
A - - - - - - - - - - -
OAPS B - - - - - - - 2 4 4 10
A - - - - - - - (0.01 (0.02 (0.02 (0.05
) ) ) )
FPS B - - - - - - - - - 1 1
A - - - - - - - - - (0.04 (0.04
) )
SSYS B - - - - - - - 18 18 22 58
A - - - - - - - (0.21 (0.21 (0.26 (0.69
) ) ) )
HIS B - - - - - - 42 34 48 40 164
A - - - - - - (0.63 (0.51 (0.72 (0.60 (2.46
) ) ) ) )
HS B - - - - - - 4 6 6 16
A - - - - - - (1.02 (1.53 (1.53 (4.09
( ) ) )
WSC B - - - - - - - 5 - 2 7
A - - - - - - - (0.01 - (0.04 (0.05
) ) )
HPS B - - - 6 2 13 4 1 10 9 45
A - - - (0.45 (0.15 (0.97 (0.30 (0.07 (0.75 (0.67 (0.36
) ) ) ) ) ) ) )
Total 25 28 24 43 44 69 45 142 293 306 1089

46
 (0.45 (0.15 (0.97 (0.93 (1.83 (3.23 (3.16 (7.74
) ) ) ) ) ) ) )

It is found in table that the Kamala Nehru Society has implemented 9 schemes
during the study period. Of the 9 Scheme 2 scheme were in operation more then 7 year.
Most of the schemes for implemented during the last 3 years and as such the numbers of
beneficiaries and the loan amount avail under the scheme was high.

47
 Table 29
Sanjay Weavers Cooperative Society

Schem 97 98 99- 00- 01- 02- 03- 04- 05- 06- Tot
es - - 00 01 02 03 04 05 06 07
SSS B 18 21 29 37 48 59 79 88 93 101 573
A - - - - - - - - - - -
BBYS B - - - - - - - 86 133 133 352
A - - - - - - - - - - -
OAPS B - - - - - - - - 1 1 2
A - - - - - - - (0.04 (0.04 (0.08)
) )
FPS B - - - - - - - 2 2 2 6
A - - - - - - - (0.04 (0.04 (0.13 (0.21)
) ) )
SSYS B - - - - - - - 9 11 - 20
A - - - - - - - (0.10 (0.13 - (0.24)
) )
HIS B - - - - - - 82 - 28 - 110
A - - - - - - (1.23 - (0.42 - (1.65)
) )
HS B - - - - - 25 7 - - 32
A - - - - - (6.25 (1.75 - - (8.00)
) )
WSS B - - - - - - 10 - 5 - 15
A - - - - - - (0.70 - (0.35 - (1.05)
) )
BWS B - - - - - - 1 - - 1
A - - - - - - (0.25 - - (0.25)
)
HPS B - - 11 31 50 50 50 - - - 192
A - (0.16 (0.23 (0.75 (0.75 (0.75 - - - (2.64)

48
 ) ) ) ) )
Total 18 21 40 68 98 109 246 193 273 237 1303
(0.16 (0.23 (0.75 (0.75 (8.43 (2.14 (0.94 (0.13 (14.0
) ) ) ) ) ) ) ) 4)

49
In case of Sanjay Society 10 schemes were in operation 2 schemes were implemented
from the beginning of the study period. Here also most of the Programmes were
implemented in the last 4 years of the study. The high Number of beneficiaries was
found in Savings and Security Scheme and Bunkar Bima Yojana Scheme

Table 30
Silambu Salver Weavers Cooperative Society

Schem 97 98 99- 00- 01- 02- 03- 04- 05- 06- Tota
es - - 00 01 02 03 04 05 06 07 l
98 99
SSS B - - - 99 100 110 109 103 100 97 718
A - - - - - - - - - - -
BBYS B - - - - 80 75 66 88 90 95 494
A - - - - - - - - - - -
OAPS B - - - - - - - 5 - 5 10
A - - - - - - (0.01 - (0.01 (0.02
) ) )
FPS B - - 50 13 16 17 20 25 18 17 176
A - - (0.27 (0.07 (0.08 (0.09 (0.11 (0.13 (0.09 (0.09 (0.93
) ) ) ) ) ) ) ) )
SSYS B - - - - 10 15 14 11 8 12 70
A - - - - (0.15 (0.22 (0.21 (0.16 (0.12 (0.18 (1.04
) ) ) ) ) ) )
HIS B - - - - - 5 10 11 12 12 50
A - - - - - - - - - - -
HS B - - - 6 5 - - 1 1 13
A - - - (1.50 (1.25 - - (0.25 (0.25 (3.25
) ) ) ) )
HPS B - - - - - 3 1 2 1 1 8
A - - - - - - - - - - -
FES B - - - - - - - - - 87 87

50
 A - - - - - - - - - - -
Total - - 50 112 219 230 220 241 231 410 1713
(0.27 (0.07 (1.74 (1.56 (0.32 (0.29 (0.46 (0.52 (5.24
) ) ) ) ) ) ) ) )

As it is seen the table that 9 schemes were in operation. Of the to 5 scheme were
implemented almost from the beginning of the study period. The family pension Scheme
and Savings and Security Scheme were Bunkar Bima Yojana Scheme and Scholarship
schemes were very prominent in case of Silambu Society. The very low Number of
weavers found to have Health Insurance Scheme and Health package scheme which must
be motivated.

51
 Chapter 4
Summary of Findings, conclusions suggestion
The key findings of the study are described below. The findings are categorized
under two major parts in:
i) Personnel management
ii) Schemes fir weavers implemented by the societies
1. Staff Position
On an average 4 staff members in each society were working. Gandhiji society was
found to have high number of staff with seven and low number of staff was 3 (Namnadu,
Anjugam, Kamala and Sanjay)
2. Employees educational qualification
Only 7% of the staff have completed degree Programme, But majority of staff
members have completed +2 level educations.
3. Training and development Programme
Among the different cadres, the accountants have participated more number of
Programmes 32%.
4. Experiences The year
The mean year of experience was high among the manager cadres 28.1%.
5. Monthly Salary
The manager cadre personnel got high mean salary of Rs.8387. It was the manager
of the Gandhiji society got high monthly salary of Rs.12, 000.
6. Gender Status of Employees
Gender staff particulars reveal that 71% of there were male members and the rest
were female staff. In case of accountant both male and female had equal strength.
7. Schemes for Weavers
Savings and security scheme was indicates that 686 beneficiaries benefited under
the scheme at the end of the year. The average beneficiaries found to be high in Gandhiji
society with 131 and low average was found with Anjugam with 6 members.

8. In case of Bunkar Bima Yojana, it was found that the Anna society found to have high
average beneficiaries with 135 and the low average beneficiaries was found in Silambu
selvar Society with 82

52
9. Under Old Age Pension Scheme the total beneficiaries for the study period were 73. It
is the Gandhiji Society which has high beneficiaries of 27 and Sanjay has low
beneficiaries of 2.7.

10. Under Shiksha Sahayog Yojana Scheme 293 beneficiaries have availed this scheme
Society wise performance indicates that Silambu society has sanctioned scholarship to
23.8 weaver members. And the low performance was found with Sanjay 6.8

11. In case of Health Insurance Scheme 794 beneficiaries benefited over the study
period. It is the Anna society which has higher number of percentage. With 34.5% and
the low was witnessed with Silambu 6.2%.

12. Under Housing Scheme 138 beneficiaries have availed loan. It is a Gandhiji society
whose members were found to be high 39% in availing loans and the lowest was
witnessed with Anna society with 7%.

13. In case of Family Pensions Scheme 611 beneficiaries benefited during the study
period a high number of beneficiaries found to be associated with Gandhiji Society
(67.9%) and the number of beneficiaries associated with Kamala and Anjugam with the
0.2% each.

14. Under Workshed scheme 35 beneficiaries avail the facility. Only 3 Society societies
have implemented the scheme. Among the 3 societies Sanjay found to be high No. of
beneficiaries (42.3%) and the low No. of beneficiaries found with Kamala Society (25%).

15. The beneficiaries under the bore well scheme were found to be 3 which is very
Negligible.

16. Under Health Package Scheme 327 person have benefited during study period.
Among the 3 Societies which implement the scheme, Sanjay found to have high No. of
Beneficiaries (58.7%) and low level was found with Kamala Society (13.7%).

53
Suggestions

1. Personnel of weavers cooperatives must be given intensive training Programmes

for effective performance, They need to be given training Programmes on
functional as well as technical aspects in order to manage cooperatives as well as
give suggestions to the weaver members.
2. The selection process needs to be modified. Those who have completed Diploma
in handloom weaving and diploma in cooperation must be appointed managers. In
such a way cadres must be professionalized
3. The present salary structure must be enhanced considering in price index and the
other successful weavers cooperatives. The level of salary must be attached the
level of performance.
4. Most of the schemes were remain unutilized because of unawareness and
ignorance. Weaver members must be educated about the Government schemes
for weaver’s development.

Conclusion
It is concluded from the forgone analysis that the Gandhiji society had high
number of employees namely seven, and high number of training Programmes
attended by the employees of Anna Society. In the cadre wise position indicated that
accountants had participated a high number of Programmes. High salary status was
found with Gandhiji society. Higher educational degree was found with the
employees of Silambu selvar. The mean experience was high in case of Gandhiji with
19.1 years.
Schemes wise analysis gives the following conclusions namely Gandhiji society
was found good in four schemes.(Savings and security scheme, Old Age Pension
Scheme, Housing Scheme, Family Pension Scheme), Silambu society in two schemes
(Bungar Bima Yojana,sholorship Schemes ) Anna society in two schemes (Health
Insurance Schemes,Borewells) and Sanjay in two schemes (Work shed,Health
Package Scheme).
It is there fore concluded that Gandhiji society found good in many of the factors
analyzed.

54
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