ANNUAL REPORT 2011-12 ANDHRA PRADESH BANKERS INSTITUTE OF RURAL AND ENTREPRENEURSHIP DEVELOPMENT RAJENDRA NAGAR, HYDERABAD 500 030 Phone : 040-20026350/51 email : apbireddirector@yahoo.com website : www.apbired.org
GOVERNING BODY OF THE INSTITUTE (As on 31 March, 2012) PRESIDENT VICE PRESIDENT VICE PRESIDENT MEMBER MEMBER MEMBER MEMBER MEMBER MEMBER SECRETARY Sri B. A. Prabhakar, CHAIRMAN AND MANAGING DIRECTOR, ANDHRA BANK HEAD OFFICE, HYDERABAD. Sri R. Subrahmanyam, I A S, PRINCIPAL SECRETARY, PANCHAYATRAJ AND RURAL DEVELOPMENT DEPARTMENT, GOVERNMENT OF ANDHRA PRADESH, HYDERABAD. Sri P. Mohanaiah, CHIEF GENERAL MANAGER, NABARD A P REGIONAL OFFICE, HYDERABAD Sri R. Rajan, GENERAL MANAGER, CANARA BANK CIRCLE OFFICE, HYDERABAD Sri G N Hegde, GENERAL MANAGER (RBD), INDIAN BANK, HEAD OFFICE, CHENNAI Sri M. Lakshmi Narayana, GENERAL MANAGER, INDIAN OVERSEAS BANK, REGIONAL OFFICE, HYDERABAD Sri Ganesh Pai, GENERAL MANAGER, STATE BANK OF HYDERABAD HEAD OFFICE, HYDERABAD Sri Sadashiv Leeladhar, DEPUTY GENERAL MANAGER, CORPORATION BANK, ZONAL OFFICE, HYDERABAD. Sri B. Narendranath Reddy, GENERAL MANAGER, ANDHRA BANK, HEAD OFFICE, HYDERABAD 1
1. Introduction The 157 th meeting of State Level Bankers Committee held on 07 March 2006 resolved to establish a State Level Training Institute, namely Andhra Pradesh Bankers Institute of Rural and Entrepreneurship Development (APBIRED). Accordingly the Andhra Pradesh Bankers Institute of Rural and Entrepreneurship Development (APBIRED) has been established jointly by the Government of Andhra Pradesh, National Bank for Agriculture and Rural Development (NABARD) and five leading Public Sector Banks working in the state viz. Andhra Bank, Canara Bank, Indian Bank, Indian Overseas Bank and State Bank of Hyderabad. Later, Corporation Bank joined the sponsors in October 2008. The institute is functioning in a rent free leased premises provided by GOAP at old home science complex, Rajendra Nagar, Hyderabad, since inception. The Institution was inaugurated by the then Chief Minister of Andhra Pradesh, late Dr.Y.S.Rajasekar Reddy on 09 October 2007. The institute, first of its kind in the country, is registered as a not for profit society under Andhra Pradesh Societies Registration Act, 2001 with a paid up corpus of Rs.5.00 crore. Initially, the corpus fund was shared by the sponsors in the ratio of 25:25:50 by the Government of Andhra Pradesh, NABARD and five Public Sector Banks. Later, Corporation Bank, on its joining the sponsors, contributed an amount of Rs.50 lakh to the corpus. Thus the paid up corpus of the institute as on date is Rs.550 lakhs and the ratio got modified to 23:23:54. The aims and objectives of the institute is to impart capacity building / entrepreneurship development training and: i ii iii to identify, orient, motivate, train, encourage and assist the unemployed rural/urban youth to take up self employment as alternative career; To promote rural/urban entrepreneurship and nurture entrepreneur talents. To conduct research, experiments, technology transfer in agriculture and allied activities to farmers. 2
iv v vi vii viii To take up capacity building to rural women and promote women empowerment; To train rural level workers in various aspects of rural development; To take up Event Management for sale of products developed by entrepreneurs, Counseling and project consultancy. To arrange for Exhibitions of the products prepared by the trainees, for marketing; To do other acts and carry on such other activities as are necessary and incidental for the effective implementation and due fulfillment of the objectives of the society as the Governing Body may decide from time to time. During the year 2011-12, a total of 41 Programmes were conducted under thirteen programme titles covering 750 candidates; taking the cumulative to 149 programmes and 3429 participants. The programmes were conducted both In-Campus (33) and on-location (8). The emphasis was given more on achieving excellence through improvements in programme quality and practical training, making the trainee fit for the market by the end of the course module. 2. Training and capacity building The State Government and the banks operating in the state have recognized the significance of training as an important tool in enhancing Knowledge, Skill and attitude among rural youth, members of SHGs and farmers for fostering income and employment generation in rural areas. The APBIRED has been set up to meet these requirements and design new and improved training and capacity building programmes in tune with the changing needs. The institute provides free boarding and lodging facilities to the trainees; besides reimbursing the to and fro travelling charges to the trainees from their residence to the training centre. The institute announces schedule of training programmes well in advance and solicits nominations for eligible candidates from the Controlling Offices and branches of commercial Banks, Regional Rural Banks, the State cooperative bank and the District Central Cooperative Banks, the District Rural Development Agencies, the Integrated Tribal Development Agencies, the District Water 3
Management Agencies working in all districts in the state, the Lead District Managers, the District Development Managers of NABARD and select NGOs who had actively sponsored the candidates for the earlier trainings. Most of the candidates were sponsored by the bank branches, LDMs, DRDAs, ITDAs, DDMs and PMU in-charges of NABARD, Welfare Departments of GoAP and NGOs etc. The methodology followed for training is class room sessions that include lectures, case exercises, case studies, interactions, audio visual aids, talks by subject matter experts as also field visits. A practical approach to the participants is presented at APBIRED. The participants are also taken to the industrial / manufacturing houses for greater in sight in to the subject and understanding the practical issues. Marketing aspects and soft skills are also covered extensively both in the class room sessions and by organizing filed visits to the different markets. These programmes were organized both In-Campus and on-location contributing to the capacity building of unemployed rural youth, members of women SHGs and farmers from various districts of the State. In case of programmes conducted for unemployed rural youth, the focus has been on imparting skill in the identified activity along with entrepreneurship development skills. Generally, the duration of the programmes has been six weeks. During the year 2011-12, in all, 41 Programmes were conducted for educated unemployed rural youth with a participation of 750 trainees (average 18 per programme). The livelihood activities conducted in-house included regular programmes like 1. Tailoring and fashion design, 2. Basic Electronics and Mobile Servicing, 3. PC Hardware & Networking, 4.M S Office (using MS OFFICE 2010 software), 5. Saree Printing, Maggam Works & Zardosi and Advanced Programmes like 1. Laptop servicing and chip level technology, 2. Livestock management for voluntary veterinary workers, 3. Customized rural EDP and 4.Advanced DTP including Photoshop and coral draw; 5.Specialised programme on Networking, 4
6. Micro Irrigation Technician, 7. Wood Carpentry and 8. Domestic Electrician with specialization either in white goods or agricultural pumpset repair. On location Programmes The eight on-location programmes included three tailoring programmes for rural SHG Women - conducted at Huzurabad, Jammikunta and Mulakanur in Karimnagar district with the support and collaboration of Pratap Educational Society (NGO), Huzurabad; KVK, Jammikunta and Mulakanur Rural Cooperative Bank respectively. Similarly the two on-location programmes on Maggam works for SHG women were conducted at Tadepalligudem, west Godavari district ( in collaboration with Satyasai Seva Samiti) and Penugonda, Ananthapur district ( in collaboration with Myrada, Kadiri). A programme each was conducted in -wooden carpentry for rural women at Sivunipally, Warangal district ( in collaboration with PRESS, a local NGO); - PC hardware for rural men at Kadiri, Ananthapur district ( in collaboration with MYRADA) and domestic electrician with focus on agricultural pumpset repair for rural men at Jagarajupalli, Ananthapur district ( in collaboration with Mangalakara Educational Society). These eight on-location programmes have covered 191 trainees; of whom 147 were women and 44 were men. The category-wise coverage details of trainees, programme-title, gender and location-wise are furnished in the following table. No of Category-wise break up of participants progr Gender/ Batch Name of the Programme amm Mino Othe Tot Location No. SC ST BC es rities rs al * District s 1 Mobile servicing 5 24 5 35 4 18 86 Gents 11 2 3 0 1 0 0 4 ladies 2 2 M S OFFICE 5 24 17 42 4 4 91 Gents 10 2 19 0 19 1 4 43 ladies 7 3 Advanced programme on Computer Networking 1 2 0 12 0 4 18 gents 6 4 Desk Top Printing 2 3 2 5 1 2 13 Gents 7 5
Desk Top Printing 1 4 1 3 0 0 8 ladies 5 5 Zardosi and maggam works for SHG women 2 6 1 6 7 18 38 6 Advanced Tailoring and Fashion design for SHG women Ladies OLP 1 4 0 2 0 0 6 Ladies 2 3 21 0 58 4 8 91 Ladies 2 9 5 21 0 2 37 Ladies 8 7 Micro Irrigation Technician 4 24 21 37 0 8 90 Gents 9 8 Laptop repair 1 7 1 13 0 2 23 Gents 12 9 PC Hardware and basics of Networking OLP 3 14 0 32 3 5 54 Gents 11 1 2 0 10 1 4 17 10 Wood Carpentry for SHG women 1 13 0 5 0 0 18 11 Voluntary veterinary worker (BAIF) Gents OLP Ladies OLP 1 7 0 5 0 4 16 Gents 3 12 Domestic Electrician 2 6 1 11 0 1 19 Gents 6 1 10 1 15 0 1 27 Gents 13 Customised Rural EDP for SHG women 1 2 0 36 1 12 51 Ladies 2 Total 41 204 55 368 26 97 750 22 *Unless indicated as OLP (on location programme), programmes are conducted in the institute premises at Rajendra Nagar OLP 2 1 1 1 1 Out of total 750 participants, 296 participants (39 %) were women. The gist of gender-wise and category-wise details of participants is furnished in the following table: Trainee category Unemployed Rural Youth Total Women/ Number of Participants Men SC ST BC Minorities Others Total 81 151 44 296 Women 7 (2%) 13 (4%) (28%) (51%) (15%) (39%) Men 123 217 53 454 48 (10%) 13 (3%) (27%) (48%) (12%) (61%) 204 368 97 750 55 (7%) 26 (4%) (27%) (49%) (13%) (100%) 6
The share of trainees belonging to weaker sections at 87 percent, reflects the spirit of socio- economic upliftment of weaker and vulnerable sections of the society by Institute through provision of capacity building for attaining sustainable livelihood by rural entrepreneur with emphasis on rural self employment. The training programmes designed at the institute are based on the needs of the market, preparing the trainees with the requisite skill and attitude. The main idea behind designing the programmes is to keep pace with the ever-changing rural economic scenario and cater to the emerging needs of the rural communities. Before finalising the activities and schedule of the training programmes, client feedback and views are elicited from banks, civic organisations and development departments of State Government. Suggestions were also sought from participants and other stakeholders regarding new Courses / activities that could be included in the programme calendar as well as on the contents, design and coverage of existing programmes. New programmes are designed based on participant s feedback obtained as a part of the end-course evaluation of every programme. The views of Governing Body and Administrative Committee are also kept in view while designing the programmes. Accordingly, the following programmes as presented below, were designed, improved and conducted during the year: S. No. Activity Progr amme s Female Male Total Particip ants Progr amm es Particip ants Progr amm es Partici pants 1 Mobile servicing 2 4 5 86 7 90 2 M S Office 2 43 5 91 7 134 3 Networking 0 0 1 18 1 18 4 DTP 1 8 2 13 3 21 5 Zardosi/Maggam works 3 44 0 0 3 44 6 Fashion design/ Advanced tailoring 5 128 0 0 5 128 7 Micro Irrigation technician 0 0 4 90 4 90 8 Laptop repair 0 0 1 23 1 23 9 P C Hardware 0 0 4 71 4 71 7
10 Wood Carpentry 1 18 0 0 1 18 11 Voluntary vet worker 0 0 1 16 1 16 12 Domestic Electrician 0 0 3 46 3 46 13 Rural EDP 1 51 0 0 1 51 GRAND TOTAL 15 296 26 454 41 750 3. Settlement of trained candidates: This is the key performance indicator of the performance of the institute. During the year 2011-12, out of the 750 trainees trained by the institute 580 trainees have been settled through both self and wage employments. While 339 of them were employed by various agencies on wage employment, 241 trainees have started their own self employment enterprises. Most of these self employment units have started as micro enterprises, mostly with own savings, family contributions and self help group loans obtained by the family members. The institute is making efforts to credit link these enterprises with bank credit, resulting in 76 trainees getting a bank loan of Rs.8,25,000 for establishment of their own units during the year. With this, a total of 1912 trainees were settled through the hand holding efforts of the institute out of 3429 trained since inception. The settlement of trainees, activity-wise is furnished in the following table: S PROGRAMME NO OF TOTAL WAGE SELF TOTAL % settl NO TITLE PROGS TRAINED EMPL EMPL SETTLED On location Programmes: 1 Advanced 3 91 2 69 71 78 Tailoring and fashion design 2 Zardosi and 2 38 3 31 34 89 Maggam works 3 Wood 1 18 0 12 12 66 carpentry 4 PC hardware 1 17 0 15 15 88 5 Domestic 1 27 0 20 20 74 8
Electrician Sub-total 8 191 5 147 152 79 In-campus programmes: 1 Advanced 2 37 0 8 8 22 tailoring and fashion design 2 Zardosi and 1 6 0 3 3 50 Maggam works 3 PC hardware 3 54 30 18 48 89 4 Domestic 2 19 6 13 19 100 Electrician 5 Mobile 7 90 41 26 67 74 servicing 6 M S Office 7 134 123 0 123 91 7 Net working 1 18 1 5 6 33 8 DTP 3 21 17 4 21 100 9 MIT 4 90 90 0 90 100 10 Laptop repair 1 23 10 7 17 73 11 VVW (BAIF) 1 16 16 0 16 100 12 Customized 1 51 0 10 10 9% REDP Sub total 33 559 334 94 428 76 Grand total 41 750 339 241 580 77 4. Faculty and Infrastructure Effectiveness of any training institution depends largely on the knowledge and skills of resource persons. APBIRED lays considerable importance on enlisting the support of specialized organizations, institutions and individuals. The institute has taken location advantage and taken the support from various institutions available in the area. 9
4.1. The institute is not having any permanent faculty members on its roles. It is presently using the services of resource persons/subject matter specialists, available on its network roster based on specific needs of individual programmes. In addition, the Officers on deputation from sponsor banks have also provided faculty support for different programmes organized by the institute during the year under reference. 4.2. Infrastructure At present the institute is housed in renovated buildings of old Home Science Buildings given on five years rent free lease by the AMR-APARD, at Rajendra Nagar, Hyderabad. The following facilities are presently available for conduct of inhouse training programmes. four lecture halls sufficient to conduct training simultaneously for 100 trainees at a time. Five hostel blocks and one more renovated building for stay of nearly 100 to 110 trainees at a time. One visiting faculty residential quarter One administrative office. One library quarter/store room One kitchen/dining hall. 5. Administrative and Other Matters 5.1. Governing Body: The overall management of the affairs the APBIRED vests with Governing Body. The Governing Body carryout the overall administration and management of the institute. The constitution of the Governing Body is as follows: 1. Chairman, SLBC, Andhra Pradesh : President 2. Principal Secretary, Rural Development, Govt. of AP : Vice-President 3. Chief General Manager, NABARD, AP Regional Office : Vice-President 4. one nominee from each of the Sponsor Banks (5) : Members 5. The Convener of SLBC and GM, Andhra Bank : Member-Secretary During the year, the Governing Body met twice on 30 th July 2011 and 18 th February 2012. 10
5.2. Local Administrative Committee The Local Administrative Committee looks after the general functioning of the institute in all the matters. The constitution of present Local Administrative Committee is presented in the table overleaf. S No Name of the representative 1 Deputy General Manager, State Bank of Chairman Hyderabad 2 Secretary of the APBIRED Member 3 Commissioner, AMR-APARD Member 4 Asst General Manager, Canara Bank Member 5 Asst. General Manager, Indian Overseas Bank Member 6 General Manager, NABARD Member 7 Asst General Manager, Indian Bank Member 8 Director of the APBIRED Member, Convener During the year, the local administrative committee met four times on 29th September 2011, 18 th November 2011, 20 th January 2012 and 29 th March 2012. 5.3. Management of the Institute: The institute is headed by the Director, Sri P. N. Satya Prasad, Deputy General Manager, on deputation from NABARD. The Director is ably supported by three Assistant Directors, S/Shri V Nagesh, Senior Manager, Indian Overseas Bank; G N S R Sastry, Senior Manager, Indian Bank and B Rama Chandra Rao, Senior Manager, Andhra Bank. While Canara Bank and SBH are yet to depute their officials, in place of the repatriated officers, Corporation Bank is yet to depute its officer as Assistant Director to the Institute. 6. Finance & Accounts During the year 2011-12, the institute has received an amount of Rs.125.346 lakh from interest on deposits, contributions from sponsors towards recurring expenditure and other sources. As against this, it has incurred an expenditure of Rs.89.990 lakh 11
towards recurring expenditure and an amount of Rs.4.976 lakh towards capital expenditure. A table depicting the gist of financial activities during the financial year 2011-12 is summarised hereunder: Income S.No. Particulars Amount (Rs.lakh) 1 Interest on investments including interest on SB account 52.979 2 Contribution received from SPONSORS* 71.992 3 Miscellaneous Income 0.375 Expenditure Total 125.346 S.No. Particulars Amount (Rs.lakh) Direct trainee related expenditure ( including mess/faculty 1.1 1.2 remuneration/ class room material/ TA paid to trainees and other direct trainee related expenses) Infrastructure and maintenance expenditure indirectly benefitting the trainee other than depreciation 59.130 23.385 1.3 Depreciation 4.725 1.4 Adminstrative expenses and others 2.750 1 Total recurring expenditure 89.990 2 Expenditure incurred on creation of fixed assets for the institute including deposits made with utility services during the year 4.976 Total expenditure of the institute during the year 2011-12 94.966 *each sponsor contributes 10% of the approved recurring expenditure of the institute. M/s S Surya Prakasa Rao & Co, chartered accountants, 16-11-740/9/32, Dilsukhnagar, Hyderabad- 500060 have audited the books of accounts of the institute for the Year 2011-12. A copy of their report together with the Balance sheet, income and expenditure statement, receipts and payments statement, together with Notes on accounts is appended to this report. 12
7. VISION AND MISSION OF THE INSTITUTE The vision of the institute is: To emerge as a Centre of reference for information, knowledge and valued opinion related to entrepreneurship development The mission of the institute is To strengthen the entrepreneurship among rural youth, capacity building of farmers,members of SHGs and rural artisans through capacity building training and exposure and other inputs that facilitate policy initiatives and innovations in design and delivery systems for providing the poor with sustainable access to quality financial services. The Institute would have an Apex stature; its activities would cover all the diverse entrepreneurship development systems and capacity building mechanisms irrespective of model and agency involved. It would serve as a convergence point for different entrepreneurship development training institutions. 8. Future Outlook Challenges and Opportunities The APBIRED has been keeping itself abreast of the latest developments in the areas relevant to its mandate and has been trying to keep pace with the changing requirements and aspirations of sponsor agencies and its clients. Accordingly, the Institute has been following a process of continual improvement of its services to its clientele. Some of the recent developments that require APBIRED to respond appropriately in the coming years in fulfillment of its mission statement are as follows: 1. Capacity Building of educated unemployed rural youth to take up Self Employment, Micro and Small Enterprises in rural areas 13
2. Capacity building of members of SHGs to take up Income Generating Activities 3. Identification of rural livelihood opportunities covering both Non Farm Sector and commercial farm sector activities. 4. Promoting Financial Inclusion through Capacity Building of Business correspondents/business Facilitators. 9. Intellectual Profile of APBIRED The Institute has well qualified Members with diverse professional background and extensive experience in Rural Development Banking, Project Financing, Institutional Development, Credit Planning, Microfinance, Information Technology and Marketing. A brief profile of Director and Assistant Directors is as follows: P. N. Satya Prasad, Director A post -graduate in Management and a development banker by profession, Sri P. N. Satya Prasad has more than three decades of banking experience. His areas of expertise include Project Appraisal, Institutional Appraisal, Corporate Finance, Institutional Development, Training and Capacity Building. V Nagesh, Assistant Director A graduate in Agricultural Sciences and a post graduate in management, Sri Nagesh joined the banking industry in 1978 and IOB in 1980 as Agricultural Officer. He has more than three decades of rural and general banking experience in various capacities in the bank. His areas of expertise include high tech agriculture financing and retail banking. G N S R Sastry, Assistant Director A post graduate in Physics, Sri Sastry joined Indian Bank as Probationary officer in 1983 and served the bank for nearly three decades in the areas of rural and general banking in various capacities. His areas of expertise include soft skills and retail banking. 14
B Rama Chandra Rao, Assistant Director A graduate in Agricultural Sciences, Sri Rao joined Andhra Bank in 1982. He has three decades of rural banking experience in various capacities in the bank. His areas of expertise include agriculture financing and rural banking. 10. Note of Gratitude: APBIRED wishes to place on record its sincere gratitude to Government of Andhra Pradesh, NABARD, Andhra Bank, Canara Bank, Corporation Bank, Indian Bank, Indian Overseas Bank and State Bank of Hyderabad who have been extending financial, moral and human resource support for all its activities. APBIRED is grateful to Branch Managers of various Banks working in the state, the Lead District Managers, the AGMs (DD) of NABARD, the Project directors of DRDA, ITDAs and other Government agencies as also various NGOs/VOs who have been extending support by sponsoring candidates for training. APBIRED also wishes place on record its sincere gratitude to Government of India, AMR-APARD and BAIF whose support and sharing of resources, knowledge, skills and information has been helping APBIRED in performance of its assigned responsibilities. The institute is grateful to all the employers who have provided wage employment to our trainees and those branch managers who have provided loans for establishment of micro enterprises by our trainees either through direct loans or through SHG loans. The institute is grateful to all its contract faculty members and other service providers for their dedicated services. Last but not the least; the institute is grateful to S/Sri Y D Reddy, Dr K G S Rao and D Subba Rao, Assistant Directors repatriated back to their respective banks, for their substantial contributions for the development of the Institute during their tenure of deputation with the institute. 15
16
17
18
19
20
21
22
23
24
25
26
27
SBH 28
EDP for SHG clients of IOB branches in Progress ANDHRA PRADESH BANKERS INSTITUTE OF RURAL AND ENTREPRENEURSHIP DEVELOPMENT Old Home Science Complex, Behind Directorate of Rice Research, Himayat Sagar Road, Rajendra Nagar, Hyderabad - 500030 Phone : 040-20026350/20026351 email : apbireddirector@yahoo.com website : www.apbired.org 29