SOP- Centre for mass Rural entrepreneurship

About CMRE (Centre for Mass Rural Entrepreneurship) Program

Rising aspirations, younger population, higher disposal income, better education

together add-up to an unprecedented opportunity for promoting self-employment,
small businesses and bring nascent or established businesses to rural India. This is all the
more critical given overall decline in job opportunities in Indian economy further
restricted for rural youth due to asymmetrical skill matrix vis-à-vis her urban counterpart
job-seeker, as also incremental settling costs. Clearly, we will need to walk on both legs
i.e. seed employment opportunities in rural India and also connect youth to meaningful
opportunities in growing urban sector.
Our focus is to establish a comprehensive locally accessible entrepreneurship support
ecosystem for rural youth to stimulate the entrepreneurship talent and facilitate
provision of services and linkages required for success enabling rural and peri-rural
youth to setup their enterprises.
Nature of assistance: Capacity building and trainings, assistance in finance and market
linkages, mentorship and exposure
Intervention geographies (Jharkhand): All 6 blocks at Ramgarh, Torpa (Khunti)

Stakeholders Involved

1. Yuva Compass: Yuva compass will work as a one stop centre for all the youth
aspiring for entrepreneurship. Aspiring entrepreneurs can come here, register
themselves and test their skills and competencies against entrepreneurship
required skills. They will get trainings, linkages support (financial and market
both) here along with mentorship. They can harness their peer network here too.
2. Sarathi: Sarathi will work as a community mobilizer to source aspiring
entrepreneurs. Sarathi will spread the word for entrepreneurship in the
community and link the aspiring youth to the Yuva Compass.
3. Hub Manager: Hub Manager will be the head of the Yuva Compass and will
manage the day to day operation of the hub. He will help the sarathi at field
level. He will facilitate the registration, psychometric test, and upskilling of these
aspiring entrepreneurs at hub. He will work as a counsellor for them and link
them to trainings, financial institutions, service providers and mentors. He will be
responsible to keep track of the entire lifecycle for these entrepreneurs.
4. Trainers for EMT and Business planning: Trainers will be responsible for capacity
building of these entrepreneurs whether it would be Entrepreneurship
Motivation training, business discovery or planning workshops
5. Service Providers: Service providers would be responsible for DPR (detailed
project report) making for the businesses approved by FI for loans. They will be
responsible for facilitating statutory compliances for the launched enterprise too.
6. Banks/ MFI and other FIs: Financing is the most important part of the process.
We will facilitate the prepatory work needed before going to banks like DPR,
interview preparation of the entrepreneurs and try to link them with Financial
institutions.
7. Mentors: Mentors play an important role after the enterprise gets launched. We
link 3-4 entrepreneurs to one mentor for better tracking and impact. Mentors
are identified at local level depending upon the need, expertise requirement and

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availability. Most of the mentors are well equipped in their respective field and
has ability to provide mentorship. Preferred mentors would be ex-bankers,
businessman, entrepreneurs, CA etc.

Lifecycle of entrepreneurs

Registraion
psychometric test
Counselling

Capacity Building
Mentoring/ Peer (EMT, Business
sharing/ M&E planning
workshops)

Market surveys/
Market linkages/
DPR making/
enterprise launch
Financial linkages

Entrepreneurs need to be registered,

Give online test, and need to have

One-to-one discussion with Manager

Entrepreneurs would be linked regarding his/her business
to relevant mentors and there
would be monthly peer meeting
for sharing and troubleshooting

Entrepreneurs need

To attend both the

trainings which would

Be residential and
mandatory

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TRI Offerings:

1. Entrepreneurs capacity building trainings: For every associated entrepreneur,

there are mandatory trainings. The first training is on entrepreneurs’ motivation,
generally given by external resource person. This training is 5-days fully
residential training.
2nd training is on business discovery and planning which might happen at block
level
It is non-residential 2 days training provided by TRIF. It focuses on market
exposure, business planning.
Both the trainings are free of cost and accommodation, food and logistics
provided by TRI

2. DPR making/ compliances/ GST etc.: Entrepreneurs would get free DPR
preparation service through our service provider. They can avail free GST
registration, enterprise registration and other statutory compliances services
from our service providers free of cost.

3. Margin money support (fellowship support): We understand that every

entrepreneur has different capability of taking loans. We support the eligible and
shortlisted entrepreneurs in margin money to increase their loan taking
capability. We offer a bundle of services under our fellowship, which also include
margin money support. This won’t be similar for every entrepreneur. Only
eligible will get this benefits and even support will vary case on case.

Criteria for offering financial support under the CMRE fellowship:

S. Fellowship
Total project cost Fellowship lower
No upper level Criteria for approving fellowship
Range (In Lakhs) level (percentage)
. (INR)
1. Infrastructure field verification
1 0-1,00,000 25% 25,000 2. Entrepreneur contribution
proof
1. Infrastructure field verification
2 1,00,000-2,00,000 20% 40,000 2. Entrepreneur contribution
proof
1. Infrastructure field verification
3 2,00,000 and above 15% 50,000 2. Entrepreneur contribution
proof
Loan approval Letter
50% of margin
4 IF bank approved Loan 50,000 Entrepreneur contribution bank
money
proof

4. Help in financial linkages: We help the entrepreneurs to make the prepatory

work before going to banks or MFIs. We also help selected business plans for full
financial support linkages from our financial partners

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5. Mentorship: TRI identifies god mentors for different type of businesses i.e.
manufacturing, trading, and service sectors. These mentors will be linked to
entrepreneurs (ideally 3-4 entrepreneurs per mentor). Mentors help the
entrepreneurs to plan their businesses, operations and also provide basic
trainings on banking, compliances and others. Mentors do track their progress on
regular basis and submit the report to TRI.

 Services and Charges:

S. No. Service type Service charge Anything else

1. Training TBD Logistic,
accommodation
and travel
2. DPR preparation 2000-2200 each
3. Mentorship Max 5K Accommodation,
logistic, travel

6. Franchise business opportunity: This offering is very crucial for those not having
any business idea but aspire to start something by their own. TRI identifies social
start-ups, business franchise and others, having huge potential and willing to
scale to rural area. We shortlist and partner with franchise fit for our rural areas,
less capital intensive and having better profit margin. We bring them and link
interested entrepreneurs to these businesses. The benefits of which is that
business plan is ready and event need not worry for forward and backward
linkages. Trainings and other knowledge sharing are being provided by these
franchise representatives.

Application and Web link:

Web link: http://134.209.157.251:8090/login

App: CMRE - TRI initiative [2] (can be downloaded from play store)

Documents and formats:

 CMRE Application form

 Business Feasibility test
 EMT training schedule
 Business planning and discovery
 Mentors guidelines
 Mentor-mentee agreement format
 Early sign of stress for enterprise
 Fellowship application
 Fellowship receipt
 Invoices

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 Success stories:

Important links

https://www.kviconline.gov.in/pmegpeportal/pmegphome/index.jsp

https://www.mudra.org.in/

http://nirdpr.org.in/rseti/