Persons with Dis-ABILITIES Self Employment

168 Pages·2006·4.57 MB·English

1 Persons with dis-ABILITIES Towards Self - Employment
Persons with dis-ABILITIES
Towards
Self - Employment
RAM KISHORE SHARMA
(Due care has been taken to update and compile available information. However,
author will not be responsible for printing mistake and any change in
information/schemes. Moreover, information contained in this book cannot be
used for legal purposes.)
JHAROKHA
Bhubaneswar
Persons with dis-ABILITIES Towards Self - Employment 2
Persons with dis-ABILITIES Towards
Self - Employment
Author
Ram Kishore Sharma (Rehabilitation Officer)
Vocational Rehabilitation Centre for Handicapped
Government of India,
Ministry of Labour & Employment, DGE&T
SIRD Campus, Unit-VIII, Bhubaneswar (Orissa)
E-mail : [email protected]
Cell : 09437091220
Publisher & Distributor
JHAROKHA
Godavari Kunj
1049, Laxmi Sagar (Upper Sahi)
Bhubaneswar - 751006 Orissa
Cell : 09437070755
© Author
First Edition : 2004 (By Action Aid India, Bhubaneswar)
Second Revised Edition: 2005 (By Government of India, MSJ&E)
Third Revised Edition : 2005 (By JHAROKHA)
Printer : Reproprint (P) Ltd.
I.R.C. Village, Bhubaneswar
ISBN : 81-88897-01-9
3 Persons with dis-ABILITIES Towards Self - Employment
Aparajita Sarangi, IAS
Tel. (Off.) :2412076 (Dir.)/2401852 (MVSN)
Director, Social Welfare (Res.):2535813/2534744/2534440
Director, Mission Shakti
& Fax :[phone] (Dir.)/2401852 (MVSN)
Managing Director,
Mahila Vikas Samabaya Nigam E-mail :[email protected]
Women & Child Development
Deptt.
Government of Orissa
F O R E W O R D
All of us are aware of the immense need to transform
disability into (cid:145)Ability(cid:146) by generating gainful employment for
the PWDs. With shrinking possibilities of absorption in
Government jobs, many of whom are not appropriate for the
PWDs, we need to discover Self -Employment opportunities
and there are opportunities galore in the form of various
Self-Employment schemes of Government.
(cid:147)Persons with dis-ABILITIES towards Self - Employment(cid:148)
is a highly useful endeavour of Sri Ramkishore Sharma,
Rehabilitation Officer, VRC for Handicapped, Bhubaneswar
which is no less than a beautifully done bouquet of all relevant
schemes for PWDs.
Roles and responsibilities of field functionaries as
regards welfare of the disabled have been clearly defined.
Moreover, there is an attempt at giving a bird(cid:146)s eye - view of
the major concessions and privileges enjoyed by PWDs.
I am confident that the book will prove to be very useful
for all concerned and Sri Sharma deserves commendation
for his thoughtful move.
(Aparajita Sarangi)
Persons with dis-ABILITIES Towards Self - Employment 4
Lion Dr. Akshay Khandelwal, Ph. D.
District Chair Person
(Dist. Coordinator - Phy. Challenged & Disabled Person)
Lions Club Intrnational, Dist. 322 C2
303, Bomikhal, Cuttack Road, Bhubaneswar-751010
Ph.0674-2580341/2580342 (O), 2432155(Res.)
Mob.[phone], Fax-91-674-2581541
E-mail: [email protected]
Website : www.jhalaniagro.com
PREFACE
Disabled people are considered unproductive human resources. Quite often people think, disabled
means double loss of society viz. loss of manpower as disabled can not do anything, and loss of
money because they become burden on family/society. This is myth, because many disabled have
proved their mental, intellectual and physical ability in various fields. The disabled can lead an
independent life, if they are provided adequate opportunities at right time.
It has been a challenge to the author of this book to continue to reflect the present state of the field
and provide a description of the dynamics of various field of practice as they have emerged and all
the social problem which they seek to ameliorate. The outcome of this effort has been a new edition
with significant change from the previous one. The Government, both Central Government as well as
State Government have provided several facilities and benefits to disabled for their upliftment, but due
to lack of proper information and awareness, many disabled could not be benefited. This book is a
sincere attempt, made by author to bridge this gap. The book contains elaborate information on self-
employment and brief information on other concessions and benefits, including legal rights provided
by Government. This reflects the author(cid:146)s grasp over a very difficult issue of immense importance.
Broadly, this book is divided into two parts, viz. (1) Information Based and (2) Experience Based.
The format of first part is simple, uniform and comprehensive. The entire information about self-
employment schemes and avenues have been compiled in six heads, viz. (1) What is the scheme;
(2) Who are eligible; (3) Documents required; (4) How to apply; (5) Whom to contact; and (6)
Reference of Government notifications, office memorandums, schemes. The second part (Chapter-
2, 3, 5, 14, 19 & 21) is very unique, creative, original and experience based. The author has
identified more than 100 self-employment avenues (disability and area wise) in service sector,
business sector and production sector. Role of district/block functionaries has been narrated clearly.
Though this book has been written keeping in view an all India applicability, but last portion focuses
on Orissa. Additional information on self-employment network in Orissa has been incorporated which
will be very useful for readers of Orissa.
Chapter-20 (cid:145)Information Guidance and Rehabilitation Network in India(cid:146) contains the activities and
address/phone numbers/E-mail Ids of exclusive Government institutes for PWDs in India such as
VRCs, DRCs, DDRCs, National Institutes, RCI, ALIMCO, CCD, CRCs etc. which will enable the readers
to utilise the expert and exclusive services of these institutes.
Chapter-14 (cid:145)Mini Self-Employment Scheme(cid:146) designed by author is really a true example of (cid:145)less
investment and more yield(cid:146). I have closely worked with author, R. K. Sharma during my presidency
of Marwari Yuva Manch (2003 & 2004). During this period 18 PWDs were given self-employment
kits by Marwari Yuva Manch, Bhubaneswar, out of which 11 PWDs are either earning independent
livelihood or supplementing their family income.
I am confident that this book will be very useful for disabled, their parents/guardians, Non-
Government organisations and their professionals, activists working for PWDs, special educators
and Government officials of DRDA, DIC, Sub-Collectors, NAC/Municipalities, DSWOs, financial
institutes, district Employment Exchanges, BDOs, CDPOs, SEOs, IPOs, VLWs, Anganwadi workers etc.
I believe that this book is precisely complete document on self-employment and other benefits for
PWDs. I am well aware about catalytic role played, and contribution made by author in rehabilitation
of PWDs. He is a prolific writer and this book will mark a new milestone for which Mr. Sharma(cid:146)s
efforts need to be highly appreciated.
November(cid:146)2005 Akshay Khandelwal
5 Persons with dis-ABILITIES Towards Self - Employment
From the Author(cid:146)s Desk....
There has been a growing global consciousness on integrating and mainstreaming
persons with dis-ABILITIES (PWDs). The UNO declared year 1981 as International
Year for the Disabled. The ‘Asia and Pacific decade of the disabled persons’ (1993
to 2002) has also emphasized the integration of this most marginalized section
of the society, into the mainstream socially and economically. I have the strong
feeling that, if PWDs are economically independent right from adulthood, the
social and psychological integration becomes little easy..
The job-seekers including PWDs are perplexed and confused by innumerable
career choices. About 18 years of my working experience in this field reveals that
majority of PWDs, irrespective of their eligibility, have natural desires and hope
to get into a Government job. Majority of them are either very casual or are not
aware, some of them really work hard to qualify tough recruitment examinations/
viva voce, but very few get through. The job market (specially Govt. jobs) is
shrinking, private job market needs highly qualified and very skilled people.
Studies reveal that, employment of PWDs in private sector, including multinational
companies, in India is in decimal. About 95% people are working in the unorganized
sector, majority of them are underemployed. In this situation, to earn a livelihood
means one has to change his/her mindset and needs to shift to alternative
earning options, available and suitable to his/her eligibility and skill. To my mind,
self-employment is better among the earning options.
The Government is assisting entrepreneurs, including PWDs, technically and
financially in setting up of self-employment ventures. Several schemes such as
SGSY, SJSRY, PMRY, DRI etc. are being launched. Financial institutes, such as
NSFDC, SIDBI, KVIC, KVIB, MVSN and Banks etc. are also providing assistance for
this purpose. Government of India, Ministry of Social Justice & Empowerment has
started exclusive NHFDC schemes to give loans to cross disability sector, including
Cerebral Palsy and Mentally Retarded for self-employment and higher education
on low interest rates.
The Government has launched number of schemes both inclusive and exclusive
and concessions, relaxations and reservations are being given to PWDs. Section-
40 of the “Persons with Disabilities (Equal Opportunities, Protection of Rights and
Full Participation) Act, 1995” has made it mandatory that not less than 3%
reservation shall be kept for PWDs, in poverty alleviation programs. Little has been
done, lot has to be done, lot can be done with the active support of PWDs/parents
and meaningful collaboration of GOs, NGOs and financial institutes. The basic
problems in Self-Employment are – lack of awareness, motivation, orientation, less
applications/sponsoring, defective/incomplete applications, selection of unfeasible,
unviable, unsuitable ventures, lack of monitoring/enforcement etc. These issues
need to be tackled in a systematic manner. This book will help the learner/user
to know why one should opt for Self-Employment, what are the schemes of Self-
Employment, the offices/officials who may be contacted at village/block/district
and state level, essential to the success, illustrative list of business/ventures, role
of district & block functionaries.
November, 2005 Ram Kishore Sharma
Persons with dis-ABILITIES Towards Self - Employment 6
Acknowledgement
I wish to express my owe gratitude to Shri K. K. Mittal IAS, Director
General/Joint Secretary to Government of India, Ministry of Labour &
Employment for his kind support.
I place my deepest gratitude to Shri P. K. Ray, Deputy Director General
(Employment), Ministry of Labour & Employment, Government of India for
providing me an unforgettable encouragement, support, guidance and wider
scope to work. He has always been a source of inspiration to me.
I wish to place on record my sincere gratitude to Smt. Jayati Chandra
IAS, Joint Secretary, & Shri Ashish Kumar, Director, Government of India,
Ministry of Social Justice & Empowerment, for not only releasing its first
edition (2004) but also publishing second edition (2005) and ensuring the
distribution of second edition to all the District Magistrates cum Collectors
of the country and other Government and Non-Government organisations.
I place my deep gratitude to Shri Manoranjan Saran IAS, Special Secretary
to Chief Minister of Orissa, Shri Vijaya Arora IAS, Director of Employment
and Smt. Aparajita Sarangi IAS, Director Social Welfare, Government of
Orissa who gladly consented to write their views about third edition of this
book. They have been always helpful to me in rehabilitation work of PWDs.
My sincere thanks to all officers of DGE&T, specially to Shri Yogesh
Raizada Joint Director, Shri K. S. Meena Joint Director, Dr. Rumal Singh
Joint Director, Shri I. K. Shrivastav Deputy Director, Shri Satish Kumar Dy.
Director, Shri A. S. Khan Deputy Director, Shri Sant Ram Under Secretary &
Shri J. B. Joshi for their timely support and guidance.
My special thanks, and acknowledgement is very special to Dr. Akshyay
Khandelwal who friendly consented author the preface for my endeavour.
Dr. Akshyay Khandelwal has given meaningful guidance and support for
publication of this book.
I would also express my sincere thanks to Ms. Supriya Akerkar, Regional
Manager and Mrs. Madhumita Ray, Program Manager, Action Aid India,
Bhubaneswar for publishing first edition of this book.
Thanks to Shri Mahesh Dubey, Sr. Manager-ALIMCO, Shri A. K. Dey-Sr.
Manager (PPC) NHFDC, Shri Kishan Khandelwal, President ‘Jharokha’, T.
Mohan, Psychologist, Shri Upinder Singh Vocational Instructor and all VRC
colleagues for their support. Very special thanks to Shri H. H. Behera
Stenographer, VRC for proof reading and deep involvement in this venture.
Thanks to all PWDs whose photographs are published in this book. I am
grateful to the sources I have consulted and to all friends and colleagues,
who have been a source of inspiration.
My thanks must go to my wife Smt. Raj Kumari Sharma for her encouragement,
patience, forbearance and advice, and to my daughter Garima and son Gourav
for their moral support inspiring me to complete this arduous task.
November, 2005. Ram Kishore Sharma
7 Persons with dis-ABILITIES Towards Self - Employment
CONTENTS
Page
01. Disability, Evaluation & Assessment 8
02. Self-Employment : Best Earning Option (cid:150) Why ? 15
03. Essentials of Successful Entrepreneur 20
04. National Handicapped Finance &
Development Corpn. (NHFDC)--Model Schemes 26
05. District Level NHFDC Interface & Role of District Administration 48
06. Swarna Jayanti Gram Swarozgar Yojana (SGSY) 55
07. Swarnajayanti Shahari Rozgar Yojana (SJSRY) 58
08. Prime Minister Rozgar Yojana (PMRY) 61
09. Khadi & Village Industries Commission--Schemes 64
10. Differential Rate of Interest (DRI) Scheme 68
11. National Level Financial Development Corporations -- Schemes 70
12. Allotment of Petroleum Products Dealership 88
13. Allotment of STD/PCOs 90
14. Mini Self-Employment Scheme 91
15. Other Avenues of Self-Employment 94
16. Innovative Initiatives 98
17. Rural Development & Self-Employment Training Institute 100
18. Technical & Vocational Education of MHRD for PWDs 103
19. Indicative List of Self-Employment Ventures 106
20. Information, Guidance and Rehabilitation Network 113
21. Rehabilitation of PWDs & Role of District/Block Functionaries 126
22. An overview of other Concessions & Programs for PWDs 141
23. Important Addresses / Telephone Numbers 157
Persons with dis-ABILITIES Towards Self - Employment 8
Chapter-1
DISABILITY, EVALUATION & ASSESSMENT
A. DISABILITY AND CERTIFICATION
Few important aspects of disability such as Definitions of
disability, evaluation of disability, authority to give Disability
Certificate, Appellate Medical Board, validity of certificate etc.,
are well defined in PWD (Equal Opportunities, Protection of Rights
& Full Participation) Act’1995 and Persons with Disabilities (Equal
Opportunities, Protection of Rights & Full Participation) Rules’1996
of Government of India and PWD Orissa Rules, 2003. It has
become mandatory that each one should work according to PWD
Act & Rules. These legal aspects have been discussed in this
chapter in brief.
The sample format of disability certificate for the persons
with disabilities has been designed basing on format published in
the Government of India Gazette with slight additions for betterment,
which accommodates the existing legal aspects including PWD
Act, 1995 and PWD Rules, 1996 of Government of India. It is
suggested that the disability certificate format should be printed
at the state level on quality paper, which will ensure uniformity.
The disability certificate is like a passport for PWDs. It is advised
that if the Medical Board has issued permanent certificate, then
certificate should be laminated which will ensure durability. The
important features of disability such as category, definition of
disability & disabled, PWD Rule related to Evaluation &
Assessment of Disability, Issuing Authority, validity, Punishment
and Users’ Guidelines etc. should be printed on the rear of the
certificate of disability.
B. DEFINITIONS (According to PWD Act, 1995)
Section-2(p) :“Medical authority” means any hospital or institution,
specified for the purpose of the Act by notification
by the appropriate Government.
Section-2(t) :‘Person with Disability’ means a person suffering
from not less than 40% of any disability as certified
by a Medical authority.
Section-2(i) :“Disability” means blindness, low vision, leprosy-
cured, hearing impairment, locomotor disability, mental
retardation and mental illness.
9 Persons with dis-ABILITIES Towards Self - Employment
Section-2(e) :“Cerebral Palsy” means a group of non-progressive
condition of persons characterized by abnormal motor
control posture resulting from brain insult or injuries
occurring in the prenatal, perinatal or infant period of
development.
Section-2(o) :“Locomotor Disability” means disability of the
bones, joints or muscles leading to substantial
restriction of the movement of the limbs or any form
of cerebral palsy.
Section-2(n) :“Leprosy cured person” means any person who has
been cured of leprosy but is suffering from :
i. loss of sensation in hands or feet as well as loss
of sensation and paresis in the eye and eyelid with
no manifest deformity,
ii. manifest deformity and paresis but having sufficient
mobility in their hands and feet to enable them to
engage in normal economic activities,
iii. extreme physical deformity as well as advanced
age which prevents him from undertaking any gainful
occupation, and the expression “leprosy cured” shall
be construed accordingly,
Section-2(b) :“Blindness” refers to a condition where a person
suffers from any of the following conditions,
namely:—
i. Total absence of sight; or
ii. Visual acquity not exceeding 6/60 or 20/200 (snellen)
in the better eye with correcting lenses; or
iii. Limitation of the field of vision subtending an angle
of 20 degree or worse;
Section-2(u) :“Person with low vision” means a person with
impairment of visual functioning even after treatment
or standard refractive correction but who uses or is
potentially capable of using vision for the planning or
execution of a task with appropriate assistive device.
Section-2(l) :“Hearing impaired” means loss of 60 decibels or
more in the better ear in the conversational range of
frequencies.
Persons with dis-ABILITIES Towards Self - Employment 10
Section-2(r) :“Mental Retardation” means a condition of arrested
or incomplete development of mind of a person which
is specially characterized by subnormality of
intelligence.
Section-2(q) :“Mental illness” means any mental disorder other
than mental retardation.
C. Guidelines for Evaluation & Assessment of various
Disabilities (As per PWD Rules,1996 of Govt. of India)
(cid:216) A Disability Certificate shall be issued by a Medical
Board duly constituted by the Central and the State
Govt. (Section-4 (l)
(cid:216) The State Govt. may constitute a Medical Board
consisting of at least three Members, out of which, at
least one shall be a specialist in the particular field.
(Section-4 (2)
(cid:216) The Medical Board shall after due examination give a
permanent Disability Certificate in case of such
permanent disabilities where there are no chances of
variation in the degree of disability. (Section-5 (1)
(cid:216) The Medical Board shall indicate the period of validity
in the Certificate in case where there is any chance of
variation in the degree of disability. (Section-5 (2)
(cid:216) No refusal of Disability Certificate shall be made unless
an opportunity is given to the applicant of being heard.
(Section-5 (3)
(cid:216) On representation by the applicant, the Medical Board
may review its decision having regard to all the facts
& circumstances of the case & pass such orders in the
matter as it thinks fit. (Sec.-5 (4)
(cid:216) The certificate issued by the Medical Board under Rule-
5 shall make a person eligible to apply for facilities,
concessions & benefits admissible under schemes of
Govt. or non-Govt. organizations, subject to such
conditions, as the Central or the State Government may
impose. (Section- (6)