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\begin{document}

             \author[1]{  V.Krishnaveni}

             \author[2]{Dr. H.  Haridas}

             \affil[1]{  Karpagam University}

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\date{\small \em Received: 6 December 2012 Accepted: 1 January 2013 Published: 15 January 2013}

\maketitle


\begin{abstract}
        


This paper is focused on the Problems of Self Help Groups. Women constitute nearly half of the rural population in India and play a vital role in Rural Economy. It is necessary for programmes specially targeted for a woman has been emphasized. As a result of the poverty alleviation scheme, such Integrated Rural Development Programme (IRDP), Training of Rural Youth for Self-employment (TRYSEM) and Development of Women and Children in Rural Areas (DWCRA) have been initiated. Self Help Groups are voluntary associations for the poor who come together to improve their socio-economic conditions. For that they start the various business transactions. While doing their business Self Help Groups are facing many problems like, to find the marketing potential, poor product packaging, Lack of materials, machines and equipments, getting the loan from bank, repayment of the loan, continuity, lack of awareness and Marketing their products etc., This study analyse the marketing problems faced by the self help groups of Coimbatore district.

\end{abstract}


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\let\tabcellsep& 	 	 		 
\section[{Introduction}]{Introduction}\par
n our country, usually the poor people in time of their emergency run to the door of the Landlords and money lenders to fulfill their credit needs and this comes usually at a very high interest. In India, it is too difficult to find a financial institution to meet such requirements. To meet the emergency need the Self Help Groups (SHG) evolved. Members of the SHGs started savings as the prime work and this savings of the members opened the way for different income generating activities. Government wants to help these groups during initial period of the business to overcome the teething problems and provides support and training ultimately to function independently as a successful business venture. During their business Self Help Groups are facing many problems like, to find the marketing potential, poor product packaging, Lack of materials, machines and equipments, getting the loan from bank, repayment of the loan , continuity, lack of awareness and Marketing their products etc., II. 
\section[{Meaning and Definition}]{Meaning and Definition}\par
SHG is the small group formed by the women members (normally 12 to 20 members) residing in a particular locality, possessing the core skill capability of producing a product individually or in groups and have Author ? : Assistant Professor \& Ph.D -Research Scholar Department of Management (UG), Karpagam University, Coimbatore. E-mail : krish.rkv\textunderscore 99@yahoo.com Author ? : Professor and Head, Department of Business Administration, Government Arts College for Men Krishnagiri. E-mail : hharidas@yahoo.com started business venture of their own with the support of the Government agencies. NABARD defines SHG " as a homogeneous group rural poor voluntarily formed to save whatever amount they can conveniently funds of the group to be lent to the members for meeting productive and emergent credit needs." 
\section[{III.}]{III.} 
\section[{Purposes}]{Purposes}\par
In order to achieve the independent movement of Rural people, with reference to improve their socio-economic status, the self help groups have been formed. The main purposes for starting Self Help groups are, IV.? 
\section[{Research Methodology a) Research Design}]{Research Methodology a) Research Design}\par
It is an empirical study (Descriptive approach) based on survey method. The data have been collected both from primary and secondary sources.\par
Primary data were collected from the Animators of SHGs in Coimbatore through the Interview Schedule. Secondary data were collected from the reports maintained by the SHG's published reports, journals, magazines and websites. Sample Size 600 respondents were selected for this study. 
\section[{b) Marketing Problems of Self Help Groups}]{b) Marketing Problems of Self Help Groups}\par
The following are the marketing problems of Women Self Help Groups in Coimbatore district:   
\section[{Inference}]{Inference}\par
The above table shows that, out of 600 respondents 37 percent respondents were coming from Rural and 32 percent respondents from Urban and 31 percent respondents were coming from semi-urban. IV Version I E Table 4\par
Inference It is interpreted that, out of 600 respondents 67.8 percent of respondents were earning from Rs. 10,001 to Rs. 20,000: and 8.3 percent of respondents were earning up to Rs. 10,000. 23.8 percent of respondents were earning above Rs. 20,000. The percentage of respondents with high level of problem is found high among respondents, who are doing the business in others category. The percentage of respondents with low level of problem is found high among respondents, who are doing the business in Weaving and Tailoring. As the calculated Chi-square value is less than the table value at five per cent level, there does not exists any significant association between type of business and level of problem. Hence, the null hypothesis is accepted. (Others Category business consists of various business like Rice business, Milk business, Vegetable store, Grocery shop, Fishery shop, Petty shop, Coconut business, Medical shop, Samiyana, Maavu business, Timber work, etc.,) V. 
\section[{Findings}]{Findings}\par
? It is observed that, out of 600 respondents 282 were under the age of 31 to 45 years and 174 were under the age up to 30 years and 144 respondents were coming under the age of above 45 years.\par
? Out of 600 respondents 37 percent respondents were coming from Rural and 32 percent respondents from Urban and 31 percent respondents were coming from semi-urban.  
\section[{Suggestions}]{Suggestions}\par
From the above study we can suggest tha, who are above the age of forty five years are facing high level of marketing problem. As the chi square test represents that family income is not associated with level of problem and the type of business is associated with the level of problem and the age is not associated with the level of problem. 
\section[{VII.}]{VII.} 
\section[{Conclusion}]{Conclusion}\par
Thus, we can conclude that all Self Help Groups must select the right products, qualified persons for proper management, proper training for prompt production, Governments Assistance for facing the marketing problems. It is quite necessary to train them effectively for getting awareness in the marketing potential area. IV Version I E\begin{figure}[htbp]
\noindent\textbf{}\includegraphics[]{image-2.png}
\caption{\label{fig_0}}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{} \par 
\begin{longtable}{P{0.34265625\textwidth}P{0.074375\textwidth}P{0.35062499999999996\textwidth}P{0.08234375\textwidth}}
\tabcellsep \multicolumn{2}{l}{Table 1}\\
Age\tabcellsep \multicolumn{2}{l}{Number of Respondents}\tabcellsep Percentage\\
Up to 30\tabcellsep \tabcellsep 174\tabcellsep 29.00\\
31 to 45\tabcellsep \tabcellsep 282\tabcellsep 47.00\\
Above 45\tabcellsep \tabcellsep 144\tabcellsep 24.00\\
Total\tabcellsep \tabcellsep 600\tabcellsep 100.00\\
Inference\tabcellsep \tabcellsep \multicolumn{2}{l}{45 years and 174 were coming under the age up to 30}\\
\multicolumn{2}{l}{The above table shows that, out of 600}\tabcellsep \multicolumn{2}{l}{years and 144 respondents were coming under the age}\\
\multicolumn{2}{l}{respondents 282 were coming under the age of 31 to}\tabcellsep of above 45 years.\end{longtable} \par
 
\caption{\label{tab_0}}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{2} \par 
\begin{longtable}{}
\end{longtable} \par
 
\caption{\label{tab_1}Table 2}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{3} \par 
\begin{longtable}{P{0.18888888888888888\textwidth}P{0.3224932249322493\textwidth}P{0.17046070460704607\textwidth}P{0.1681571815718157\textwidth}}
Year 2013\tabcellsep \tabcellsep \tabcellsep \\
2 20 2 8\tabcellsep \tabcellsep \tabcellsep \\
Volume XIII Issue\tabcellsep Place of Residence\tabcellsep Number of Respondents\tabcellsep Percentage\\
D D D D )\tabcellsep Rural\tabcellsep 222\tabcellsep 37.00\\
(\tabcellsep \tabcellsep \tabcellsep \\
Global Journal of Human Social Science\tabcellsep Semi-urban Urban Educational Qualification Total Illiterate Schooling Under Graduation / Diploma Post Graduation\tabcellsep 186 192 600 Number of Respondents 126 300 168 6\tabcellsep 31.00 32.00 100.00 Percentage 21.00 50.00 28.00 1.00\\
\tabcellsep Total\tabcellsep 600\tabcellsep 100.00\end{longtable} \par
 
\caption{\label{tab_2}Table 3 Inference}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{5} \par 
\begin{longtable}{P{0.85\textwidth}}
Table 6\end{longtable} \par
 
\caption{\label{tab_3}Table 5 Inference}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{Value} \par 
\begin{longtable}{P{0.3086547507055503\textwidth}P{0.10075258701787393\textwidth}P{0.0711665098777046\textwidth}P{0.09035747883349013\textwidth}P{0.048777046095954846\textwidth}P{0.11834430856067733\textwidth}P{0.03758231420507996\textwidth}P{0.06556914393226718\textwidth}P{0.008795860771401693\textwidth}}
\multicolumn{6}{l}{H o : Family Income is not associated with level of problem}\tabcellsep \\
Family Income\tabcellsep \multicolumn{3}{l}{Number of Respondents Table 7}\tabcellsep \tabcellsep \multicolumn{2}{l}{Percentage}\\
Up to Rs. 10000 Rs. 10001 to Rs. 20000 Family Income Up to Rs. 10000\tabcellsep Low 12\tabcellsep \multicolumn{3}{l}{50 407 Level of Problem Moderate 38}\tabcellsep High 0\tabcellsep 8.30 67.80\tabcellsep Total 50\\
Above Rs. 20000\tabcellsep (24.00\%)\tabcellsep 143\tabcellsep (76.00\%)\tabcellsep \tabcellsep (0.00\%)\tabcellsep 23.80\tabcellsep (100.00\%)\\
Total Rs. 10001 to Rs. 20000\tabcellsep 34 (8.40\%)\tabcellsep 600\tabcellsep 285 (70.00\%)\tabcellsep \tabcellsep 88 (21.60\%)\tabcellsep 100.00\tabcellsep 407 (100.00\%)\\
Above Rs. 20000\tabcellsep 19\tabcellsep \tabcellsep 98\tabcellsep \tabcellsep 26\tabcellsep \tabcellsep 143\\
\tabcellsep (13.30\%)\tabcellsep \tabcellsep (68.50\%)\tabcellsep \tabcellsep (18.20\%)\tabcellsep \tabcellsep (100.00\%)\\
Total\tabcellsep 65\tabcellsep \tabcellsep 421\tabcellsep \tabcellsep 114\tabcellsep \tabcellsep 600\\
Df: 4\tabcellsep \tabcellsep \tabcellsep \multicolumn{5}{l}{Table Value: Five per cent level: 9.488}\\
Calculated ? 2 Value:22.426\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{One per cent level: 13.277}\\
Nature of Activities Involved\tabcellsep \multicolumn{4}{l}{Number of Respondents}\tabcellsep \multicolumn{3}{l}{Percentage}\\
Hand Craft\tabcellsep \tabcellsep \multicolumn{2}{l}{259}\tabcellsep \tabcellsep \tabcellsep 43.20\\
Catering Services\tabcellsep \tabcellsep \multicolumn{2}{l}{136}\tabcellsep \tabcellsep \tabcellsep 22.70\\
Weaving \& Tailoring\tabcellsep \tabcellsep \multicolumn{2}{l}{102}\tabcellsep \tabcellsep \tabcellsep 17.00\\
Others\tabcellsep \tabcellsep \multicolumn{2}{l}{103}\tabcellsep \tabcellsep \tabcellsep 17.20\\
Total\tabcellsep \tabcellsep \multicolumn{2}{l}{600 Table 8}\tabcellsep \tabcellsep \tabcellsep 100.00\\
Age\tabcellsep Low\tabcellsep \multicolumn{3}{l}{Moderate Level of Problem}\tabcellsep High\tabcellsep \tabcellsep Total\tabcellsep ( D D D D )\\
Up to 30\tabcellsep 18\tabcellsep \tabcellsep 120\tabcellsep \tabcellsep 36\tabcellsep \tabcellsep 174\\
Df: 6\tabcellsep (10.30\%)\tabcellsep \tabcellsep (69.00\%)\tabcellsep \multicolumn{4}{l}{(20.70\%) Table Value: Five per cent level: 12.592 (100.00\%)}\\
31 to 45 Calculated ? 2 Value:7.466\tabcellsep 22\tabcellsep \tabcellsep 212\tabcellsep \tabcellsep \multicolumn{3}{l}{48 One per cent level: 16.812 282}\\
\tabcellsep (7.80\%)\tabcellsep \tabcellsep (75.20\%)\tabcellsep \tabcellsep (17.00\%)\tabcellsep \tabcellsep (100.00\%)\\
Above 45\tabcellsep 25\tabcellsep \tabcellsep 89\tabcellsep \tabcellsep 30\tabcellsep \tabcellsep 144\\
\tabcellsep (17.40\%)\tabcellsep \tabcellsep (61.80\%)\tabcellsep \tabcellsep (20.80\%)\tabcellsep \tabcellsep (100.00\%)\\
Total\tabcellsep 65\tabcellsep \tabcellsep 421\tabcellsep \tabcellsep 114\tabcellsep \tabcellsep 600\end{longtable} \par
 
\caption{\label{tab_4}Table Value :}\end{figure}
 \begin{figure}[htbp]
\noindent\textbf{} \par 
\begin{longtable}{P{0.07394618834080717\textwidth}P{0.05488789237668162\textwidth}P{0.006098654708520179\textwidth}P{0.04116591928251121\textwidth}P{0.6045291479820628\textwidth}P{0.032017937219730945\textwidth}P{0.0373542600896861\textwidth}}
Year 2013\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\
2 20 2 10\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\
IV Version I\tabcellsep \tabcellsep VI.\tabcellsep \tabcellsep \tabcellsep \\
Volume XIII Issue D D D D )\tabcellsep \multicolumn{2}{l}{Type of Business Hand Craft Catering Services Weaving \& Tailoring}\tabcellsep Low 24 (9.30\%) 12 (8.80\%) 15\tabcellsep Level of Problem Moderate 187 (72.20\%) 97 (71.30\%) 73\tabcellsep High 48 (18.50\%) 27 (19.90\%) 14\tabcellsep Total 259 (100.00\%) 136 (100.00\%) 102\\
\tabcellsep \tabcellsep \tabcellsep (14.70\%)\tabcellsep (71.60\%)\tabcellsep (13.70\%)\tabcellsep (100.00\%)\\
Global Journal of Human Social Science (\tabcellsep Others\tabcellsep Total\tabcellsep 14 (13.60\%) 65\tabcellsep \multicolumn{3}{l}{? It is depicted that 300 respondents were Schooling level and 6 respondents were under the Post graduation level. ? It is interpreted that, out of 600 respondents 67.8 percent of respondents were earning from Rs. 10,001 to Rs. 20,000 and 8.3 percent of respondents were earning up to Rs. 10,000. 8.3. 64 25 (62.10\%) (24.30\%) (100.00\%) 421 114 600 103}\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{percent of respondents were earning above Rs.}\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep 20,000.\tabcellsep \\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{? Out of 600respondents, 259respondents were doing}\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{the handcraft and 102 respondents were doing}\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{weaving and Tailoring. 136 respondents were}\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{involved in catering services and 103 respondents}\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{2}{l}{were involved in others category.}\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{? The Chi-square test reveals that the percentage of}\\
\tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{respondents with high level of problem is found high}\end{longtable} \par
  {\small\itshape [Note: Eamong respondents]} 
\caption{\label{tab_5}}\end{figure}
 			\footnote{© 2013 Global Journals Inc. (US)} 		 		\backmatter  			  				\begin{bibitemlist}{1}
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\end{document}
