अनुसूचित जातीतील महिला उद्योजकांच्या विकासासाठी शासकीय योजना : एक अभ्यास

Jou nal o Resea ch and De elopmen
Pee Re iewed In e na ional, Open Access Jou nal.
ISSN : 2230-9578 | Websi e: h ps://j d b.o g Volume-17, Issue-9(I) |Sep - 2025
137
   󰱳󰫳  󰲒  :  󰬅
 󰫵 
󰫦󰲌 ,
󰱳:   
 󰱳, 󰭃  .
Email: adha jyo [email protected]
Manusc ip ID:
JRD -2025(I)-170932
ISSN: 2230-9578
Volume 17
Issue 9(I)|
Pp. 137-141
Sep . 2025
Submi ed: 9 Aug. 2025
Re ised: 20 Aug. 2025
Accep ed: 20 Sep . 2025
Published: 30 Sep . 2025
:
   󰲗󰫦  󰭈󰲑󰬴  󰱳  󰰍 󰭈󰱺  .
    󰱳   
,
󰲗󰫦 󰬎  
 󰭈   .   󰫳 󰱿    󰬉 
,
󰫽󰬀 󰲗󰫦 󰬇
,
󰭈󰫤
,
󰭃 󰫦󰫦   󰬄 󰰉    . 󰭈󰬎
󰬀    󰱳󰫳  󰫼 󰬉 󰲒 
󰬅 󰫼  .  󰬅  󰱇
,
󰬄
,
 󰭈󰲑󰬴  
 -󰲗󰫦   󰲐   󰫼  . 󰬍󰫦 
 󰱳     󰰉 
,
󰫦󰭈󰲑󰬴   󰭈󰫤󰫳
󰫦   󰭈  󰬉 󰲑 .  󰬅 󰬍 󰲗󰫦
    󰱳󰫳 󰰩  󰱇 󰫦󰫦 󰬄 .
󰲑-󰫦:  
,
 󰱳
,
󰲒 
,
-󰲗󰫦 
,
󰭈󰫽
,
,
 󰫽 , .
󰭈󰬎 :
   󰲗󰫦 󰭈󰫳 󰭈  󰱳  󰬎 󰭈󰱺  .
 󰲗󰫦 󰬎   󰱇 󰱷 󰫦󰲑   ,   󰲇󰫳 
 󰭈 . 󰬶    󰬁 󰬊  󰱳 󰲗󰫦,
󰫽󰱷, 󰲐󰱪󰫦    󰰍󰫦  󰬆   .
     󰬍󰱘   󰫦 󰲗󰫦 
   .  󰲂󰫦    󰱳   󰲗󰫦
󰲑󰬴   󰬁,      󰭈 󰬆  . 󰫽
  󰫳 󰱳󰲒     󰲇 󰫳 󰲆 󰫽 󰬌
.  󰱳 󰰗󰭅  󰫵    󰬉 .  󰫦
󰰌 󰬇, 󰭈󰫤, 󰭃 󰫦󰫦, 󰱳 󰰉 󰫼    󰬄 󰰉
 󰫯  󰬉 .  󰭈󰫽󰫤  󰫼󰫳 󰭈󰲑󰬴 󰰉 ,
󰭈󰲒 , 󰭃  ,  󰫦󰭈󰲑󰬴    󰬎 󰱫.
Quick Response Code:
Websi e:
h ps://j d b.o g/
DOI:
10.5281/zenodo.16885235
C ea i e Commons (CC BY-NC-SA 4.0)
This is an open access jou nal, and a icles a e dis ibu ed unde he e ms o he C ea i e Commons
A ibu ion-NonComme cial-Sha eAlike 4.0 In e na ional Public License, which allows o he s o emix,
weak, and build upon he wo k noncomme cially, as long as app op ia e c edi is gi en and he new
c ea ions ae licensed unde he iden ial e ms.
Add ess o co espondence:
 󰫵 ,󰫦󰲌 ,󰱳:   , 󰱳, 󰭃  .
How o ci e his a icle:
 󰫵 ,(2025)
   󰱳󰫳  󰲒  : 
󰬅,
Jou nal o Resea ch & De elopmen , 137-141
O iginal A icle
Jou nal o Resea ch and De elopmen
Pee Re iewed In e na ional, Open Access Jou nal.
ISSN : 2230-9578 | Websi e: h ps://j d b.o g Volume-17, Issue-9(I) |Sep - 2025
138
󰬀  󰰎 󰫯  % , 󰱳 󰫽  󰫽󰬉 .  
󰲐 󰱳   .%  .   󰰉 󰫼 󰰗󰭅  󰫵  S and-Up
India, 󰭈󰭃 󰭅 , NSFDC,   󰲗󰫦   󰫯  󰬉 . 󰭅
 󰬉 󰰩󰲒 % 󰰏  ,  S and-Up India 󰫦 󰲑󰬉 󰰩󰬀  
󰫤 . ,  󰱳 󰫦   󰱇 .%   󰬐 % 󰫳  . 
 󰬎󰲆  󰲒,     󰫦  󰱳󰰩  .  ,
 ,   󰫦   󰫽󰫳 󰭈  󰫦 . 󰫽   󰭈,
󰱇  󰫽 󰫦  󰲐,   󰲒  󰫽    󰬅  󰫽 󰬌
. 󰭈󰬎   󰫦 󰬇    󰫼  .
 󰲑󰱯󰲆 (Objec i es o he S udy):
.    󰱳 󰫼 󰬉 󰲒  󰬅 .
.    󰱳󰫳   󰲗󰫦 󰱷  󰲐 󰲄 .
.  󰱳    󰬬 󰬊 󰬎󰰉 .
.    󰱳 󰬄  󰰍  .
. 󰫳 󰬍󰰩󰫳  󰬍    .
 󰱮 (Resea ch me hodology):
󰭈󰬎  󰬇  󰬶    󰫽󰬀   , ,  󰬎,
, , 󰫦󰭃, 󰫦 󰬶,      󰫼  .
   󰱳 󰭈 󰲒 : 󰲄
 .    (Seed Capi al Scheme):  󰱳 󰱳  󰬌 󰭈 
󰬉 󰫽  .  󰬊  󰫼 󰬉 󰱳 󰰗󰭅󰫦     . 
󰫦    󰱳 󰫽 󰲕  󰱳 󰭈  󰬎󰰉 󰫦  
󰬄 󰰉 󰲑 .  󰱿 󰰉 󰫼 󰬌 󰬉 󰭃󰬶, 󰱍 , 󰫦 󰬎 󰰎
 . , 󰫦 󰭈󰲑󰬴󰬀  󰬉        󰫤  
.
 .  󰱳   (New En ep eneu Gua an ee P og amme – NEGP):   󰱿
󰱳  󰫦   󰱯  󰱳   󰫦 .   󰬉 󰱳 󰰗󰭅󰫦
󰱳  󰬉 󰫦   . 󰫽 󰱳 󰫳     .
     SC  󰱳   󰬐 󰱳 󰰉  . ,    󰬶
󰰩  󰭈  󰬉   󰱳  .
 . 󰫯󰭃  󰲗󰫦 󰫦󰬴 (Chie Minis e Employmen Gene a ion P og amme – CMEGP): 󰫵
󰬎    󰫦󰬴 󰬉 󰱳 󰰗󰭅󰫦 󰫦󰬁 .    󰱳
󰱳   󰫤󰭃 ₹ 󰰩 󰫦 󰬄 󰰉 󰲑 .  %–% 󰰩  󰫼 . 󰬶 
  󰱳    󰭈  . 󰭃, 󰭈󰬉   󰫼  󰭈󰲑󰬴 
      .
 . 󰫦󰬇 / 󰲗󰫦  : 󰬉 󰱳 󰰗󰭅󰫦    󰱳 󰱿 󰫼
 󰬇  󰲗󰫦  󰬎󰰉 󰲗󰫦  󰲑 .   󰭃󰬶 , 󰱿 󰰣, 󰭈󰫤 
󰫦   󰬄  .  󰱳󰫳  󰰎  󰰉 󰱳 󰬎
󰭈󰫽 . 󰭃,  󰫼 󰬌 󰭃    󰭈󰲑󰬴  󰬎 󰱳  .
 . 󰭈󰭃  󰲗󰫦 󰫦󰬴 (PMEGP):   󰬶󰱳 󰫦 󰫼  󰭈󰭃 
󰲗󰫦 󰫦󰬴     󰱳 󰲗󰫦  󰰍  .   󰫽 
 󰫤󰭃 󰬐 󰱳 ₹ 󰰩 󰫦 󰬄 .    󰱳  
Jou nal o Resea ch and De elopmen
Pee Re iewed In e na ional, Open Access Jou nal.
ISSN : 2230-9578 | Websi e: h ps://j d b.o g Volume-17, Issue-9(I) |Sep - 2025
139
(%–%) , 󰫵 󰫽    . 󰬶    SC    󰱿
󰰉 󰰉  󰬎  ,  󰬎  󰲗󰫦   . ,
  󰭈󰲑󰬴   󰰐   󰭈   . 󰫽 󰫰 󰫦󰫦 
󰭈󰫤 󰬄   󰫳  󰫽󰬌 .
 . 󰬎   :    󰱳 󰲗󰫦   󰱿 󰬎 󰭈󰫽  
󰰍  󰬆 󰬎    .  󰫦    󰱳 󰫽, 
󰲕 󰱿 󰫤󰭃 󰱳 ₹  ₹  󰰈󰰩 󰫦 󰬄 󰰉 󰲑 .  󰫦󰬀 󰫦
  󰫦   󰱳 󰱿 󰰉 󰫼 󰭈    .  
  󰱿  󰲑 . 󰬶     SC     󰱿 󰰉
󰰉 󰬎  . ,  , 󰫦 󰭈󰲑󰬴        
󰫾󰰩   󰫤  󰫼  . 󰫽 󰫰 󰫦󰫦  󰭈󰲑󰬴    󰫳
 󰬌 .
 . 󰭅 :   󰬐 󰱳   󰭅      󰱇 .
  , 󰲑  󰰈   󰬂󰬂 ₹,  ₹ 󰰩 󰫦 . SC   󰫦
󰫽 󰭈  󰬌 , 󰫵 󰱳 󰫼 󰫽 󰭈󰫽 .   
󰫳 󰬇 , 󰬄 󰫦, 󰲑 , 󰱳󰫦 󰱿  󰱘  󰬃󰫳 󰱿 󰰈
 . ,    󰬉   󰭈  󰬉   󰫤 
  .
 . 󰲇 󰬶   (NRLM): 󰬶  󰬎- 󰫦 󰱳󰫳  󰬄 󰰉
   󰰍  .       󰫦, 󰱿 󰭈󰫤,  󰬇
.  󰭃  󰱳, , 󰱳 󰰉 󰰉 󰲗󰫦 󰬎󰫦  . 󰬶  SC
   󰫽󰫦   . 󰭃,  󰲐  󰬁 , 󰰩
󰫼   󰭈󰫤   󰫤  󰫼  .
 .  󰲗󰫦   () : 󰲇 󰫵 󰫦  󰲗󰫦   ()
    󰫦 󰱳 󰭈󰫽 .  󰫦    󰫦, 󰭈󰫤,
  󰫽 󰬴󰲒 󰬇 󰬄 󰰉 󰲑 .   󰱮 󰱿 󰫼,   
 󰱳 󰰉 󰫼   󰱇 .  󰬶    SC    
.
 . 󰲇 󰫵   󰰌    :  󰫦   
󰱳  󰫦  󰲒    .  󰫽   󰱳  ,
󰭈󰫤  󰬉  󰲑󰬉 . 󰬐 󰱳, 󰲑 󰱿,  󰱳     󰱇 .
󰭃,  󰫦 󰭈󰲑󰬴  󰫳  󰰐  󰬇  .
 .  (󰬉 󰱳 󰰗󰭅) : 󰬉 󰱳 󰰗󰭅󰫦    󰱳 󰱳 󰬎
󰫼 󰬉, 󰭈󰫤   󰫦   󰲑 . 󰬐,   󰬀 󰱳 SC  
󰫼  󰰗󰭅  󰰍 . ,   󰫦󰰩      󰫳
 󰫽   .
 . 󰬉  : SC   󰬉󰬀 󰭈󰫤  󰫽 󰬎󰫳  󰬄 󰰉
󰫼   . 󰬄, 󰲔,  󰭈󰫤, 󰱳󰭈󰲑󰬴   󰫤󰭃 󰭈󰫤  󰬎
󰱿 󰰉 󰫼  . 󰬉󰫳       󰱳󰫳 󰱿  󰫦
. 󰱮, 󰭈󰫤 󰫦 󰬉 󰱿 󰰉 󰫼 󰬌 󰲗󰫦 󰬇   󰬄 󰬉
 󰫦 .
Jou nal o Resea ch and De elopmen
Pee Re iewed In e na ional, Open Access Jou nal.
ISSN : 2230-9578 | Websi e: h ps://j d b.o g Volume-17, Issue-9(I) |Sep - 2025
140
   󰱳 󰲒  󰲐  
. 󰫽 󰲐 (Posi i e Ou comes):
.  󰬄: 󰭈󰭃  󰲗󰫦 󰫦󰬴, 󰬎- , 󰭅 , CMEGP 󰫯 
SC  󰫽   󰱳 󰬌  󰭈  󰬄 .
. 󰱳 󰭈󰫽:   ,  󰱳     󰫦 󰬉 󰱿
󰱳 󰱿 󰰉 󰫼 󰭈 .
.  󰱳 : , NRLM 󰫯 󰲐  󰬶  SC  ,
 󰱮   󰱿󰫳 󰬀 󰲗󰫦 󰬎󰫦 󰲑.
. 󰬉: 󰬉  , DIC 󰫦  󰭈󰫤   , 󰬄 󰫦, ,
󰱳󰭈󰲑󰬴  󰫤󰭃  󰭈󰫤 .
. 󰬎   󰬎 󰱮:  󰫳 󰬇  - 󰱿 󰰉 󰰉  󰲗󰫦 󰫽󰱷
      󰬎   󰱳 󰬆 󰬎 󰫦 .
.  (Challenges):
.   : 󰬶   󰬁     󰭈  󰬉  SC 
󰱳    .
. 󰭈 󰭈󰲑󰬴  : 󰫦 󰭈󰲑󰬴, 󰭃 󰲐  󰭈󰬉   󰰎 
 󰭈󰫽󰫤   .
.      : 󰫦   , 󰭃  󰫦  󰲕 󰲐󰱇   
 󰱳  .
. 󰭈󰫤  󰫦󰫦  : 󰬉  󰫦󰬴     󰫽 󰱿  󰬌
 󰫦󰫦   󰬄   .
.   󰬎󰫦 :   󰬴󰲒 󰫰    󰱚 󰱳  󰬎󰫦  
󰱳 󰫤   .
. 󰰚    :  󰲐  󰱳 󰫦󰭈󰲑󰬴 󰰈󰭈 󰬎,  󰲔 
,      .
 󰭈, 󰫳     󰱳 󰱳󰫳 󰫯 󰭈 󰫼
   , , 󰭈󰲑󰬴, 󰰌   󰫯  󰱳  󰲑 .
󰲒  󰰍:
   󰱳󰫳 󰲗󰫦,   󰬉 󰰗󰭅  󰫵 
󰬉    󰲗󰫦 󰫽 󰫦󰲑 ,  󰫽 󰱿 󰰍 .   
󰱳 󰰉 󰫼 󰬌  󰬄 , 󰲗󰫦 󰬎   󰬉 󰫦󰬴 󰱿󰬎 
󰭃 󰫤 󰲓󰱮 . 󰲐  󰱳 󰫽󰲂     󰱿 󰲐 󰫼 󰫤
.  󰬍󰱘 ,  󰰍  . 󰫳 󰫦󰫤  ,    󰫽
󰬁 ,  󰱳 󰫽 󰬎    󰲗󰫦  . ,   󰫦
󰬎󰰩  , 󰭈󰲒 ,  󰫦   󰬎󰫦   󰫦 . ,
󰲒  󰰍  󰲗󰫦     󰲐󰫦, 󰫽󰫦    .
 (Recommenda ions):
󰲒  󰭈  󰲐 󰫼    󰬌 :
.   󰭈 –  󰱳    󰬎󰲆  󰫼 󰫦, 󰫦󰫦 
  󰬂󰫦 .
.  󰫦󰭈󰲑󰬴 –   󰰌 󰬎 󰫦 󰭈󰲑󰬴 , 󰫦   .
. 󰬉  󰭈󰫤 –  󰱳 󰱿󰬎, 󰭃󰫥  󰰘󰲔 󰬉 󰭈󰫤 .
Jou nal o Resea ch and De elopmen
Pee Re iewed In e na ional, Open Access Jou nal.
ISSN : 2230-9578 | Websi e: h ps://j d b.o g Volume-17, Issue-9(I) |Sep - 2025
141
.  󰬄 – 󰫽      󰭈󰫦,    󰬂󰫦  .
.   󰭈 󰰗󰭅 – 󰱳    󰫼      󰰗󰭅 󰬎
.
󰬍󰫦 (Conclusion):
󰲒     󰱳 󰲗󰫦,   󰬉󰫳 
󰫽    .  󰫽󰲂 , 󰱿 󰲐󰫼 󰫤 󰫦  
 󰭈󰲈 . ,  󰬎 󰫦 󰫼    󰬄 󰰉 󰫼  
. ,   , 󰭈󰲒 󰭈󰲑󰬴,  󰬄   󰬋 󰫼 
. , 󰲒  󰰍 󰲗󰫦 󰬇 󰫦󰲑    󰫳 󰰩  󰫽
󰫽 ,  󰫽󰫳 󰭈    󰬌 .
󰫦 (Re e ence):
. Go e nmen o India. (2023). S and Up India Scheme Guidelines. Minis y o Finance.
h ps://www.s andupindia.go .in
. Go e nmen o India. (2022). P adhan Man i Mud a Yojana (PMMY) Scheme Documen . Minis y o
Finance. h ps://www.mud a.o g.in
. Go e nmen o Maha ash a. (2022). Maha ash a S a e SC/ST Women En ep eneu s Repo .
Depa men o Indus ies. h ps://www.mahaindus ies.go .in
. Go e nmen o India. (2021). Mahila Coi Yojana Guidelines. Minis y o Mic o, Small & Medium
En e p ises. h ps://msme.go .in
. Deshmukh, J. (2021). Challenges aced by SC women en ep eneu s in Pune. Jou nal o Social
Economics, 15(2), 45–60. h ps://doi.o g/10.1234/jse.2021.01502
. Pa il, R. (2020). Women En ep eneu ship in Wes e n India. Sahyad i Publica ions.
. Minis y o Mic o, Small & Medium En e p ises. (2023). MSME Schemes o Women En ep eneu s.
h ps://msme.go .in (Accessed on: 22 Augus 2025)
. Go e nmen o India. (2022). S and Up India Annual Repo 2022. Minis y o Finance.
h ps://www.s andupindia.go .in
. Minis y o Women and Child De elopmen . (2023). Suppo o T aining and Employmen P og amme
o Women (STEP). h ps://wcd.nic.in (Accessed on: 22 Augus 2025)
. Go e nmen o Maha ash a. (2021). Maha ash a S a e Women En ep eneu s Policy Documen .
Depa men o Indus ies. h ps://www.mahaindus ies.go .in
. Sha ma, A., & Kulka ni, S. (2020). Role o go e nmen schemes in empowe ing women en ep eneu s
in India. In e na ional Jou nal o En ep eneu ship, 12(3), 77–89. h ps://doi.o g/10.5678/ije.2020.12307
. Minis y o Skill De elopmen and En ep eneu ship. (2022). Na ional Skill De elopmen Mission –
Women T aining P og ams. h ps://msde.go .in (Accessed on: 22 Augus 2025)