Appendix 1

Growth of Working Factories and Average Daily Employment In Kerala - 1990-2005

Year

No. of factories No.of employment

Private Public Total Private Public Total

1 2 3 4 5 6 7

1990 12035 413 12448 239562 115988 355550

1991 12800 455 13255 243211 125527 368738

1992 14113 495 14608 248198 127538 375736

1993 14646 486 15132 277266 111492 388758

1994 14824 481 15305 281669 108591 390260

1995 14840 491 15331 263878 111270 375148

1996 15906 528 16434 293923 111144 405067

1997 16803 533 17336 317592 111248 428840

1998 17177 542 17719 334143 109698 443841

1999 17955 549 18504 318729 117747 436474

2000 17956 558 18544 336895 101855 438750

2001 18001 553 18554 329230 107180 436410

2002 17727 535 18262 313260 95553 408813

2003 17711 528 18239 309938 94319 404257

2004 17790 529 18319 311147 94367 405514

2005 17837 528 18411 31399 94352 408346

2006 17883 528 18411 315448 94352 409800

Source: Directorate of Economics and Statistics

i

Appendix 2

Central Sector Investment in Kerala(Rs. Crore)

Years as on 31st

March

Investment Gross Block % of column (3) to column (2)All India Kerala

1 2 3 4

1970 3795 116 3.06

1975 6242 202 3.24

1980 18161 423 2.33

1985 47323 831 1.78

1990 113430 1701 1.50

1995 227349 2906 1.28

1996 256200 3390 1.32

1997 284330 3992 1.40

1998 319829 4717 1.50

1999 353660 5962 1.69

2000 381365 6828 1.79

2001 411865 9893 2.4

2002 490397 13504 2.81

2003 525303 14548 2.77

2004 596725 15301 2.56

2005 649245 16872 2.60

2006 712819 17848 2.50

Source: (Economic Review 2007, State Planning Board, Thiruvananthapuram)

ii

Appendix 3

Sector-wise percentage distribution of workers in Kerala (NSSO)

Sector 1993-1994 1999-2000

Rural Urban Rural Urban

Primary 57.9 25.8 50.0 9.8

Secondary 18.8 27.4 22.2 31.4

Tertiary 23.3 46.8 28.0 58.8

Total 100.0 100.0 100.0 100.0

Source: National Sample Survey Organisation, 2002.

iii

Appendix 4

District-wise break up of Medium and Large Scale Industries in Kerala as on 31.03.2007

Sl. No.

DistrictsCentral sector

State sector

Co-op sector

Joint sector

Private sector

Total

1 2 3 4 5 6 7 8

1 Trivandrum 2 14 2 4 68 90

2 Kollam 2 7 2 0 20 31

3 Alappuzha 0 7 0 3 28 38

4 Kottayam 1 2 2 0 29 34

5 Pathanamthitta 0 1 1 1 5 8

6 Idukki 0 0 1 1 15 17

7 Ernakulam 12 8 2 4 229 255

8 Thrissur 2 8 1 7 49 67

9 Palakkad 2 2 2 6 78 90

10 Malappuram 0 5 1 2 22 30

11 Kozhikode 0 3 1 1 24 29

12 Wayanad 0 0 0 0 7 7

13 Kannur 1 7 5 0 16 29

14 Kasaragod 0 1 1 0 2 4

Total 22 65 21 29 592 729

Source: Kerala State Industrial Development Corporation (KSIDC), Thiruvananthapuram.

iv

Appendix 5

District-Wise Details Of Small-Scale Industrial Units Registered In Kerala as on 31st March 2006

District

Number of SSI Units promoted by

Total Investment (Rs lakhs)

Value of Goods and

services Produced (Rs lakhs)

Employment provided

(Nos)SC/ST Women Others Total

TVM 1342 6440 22646 30428 37696.54 158972.38 122226

KLM 1875 6958 19538 28371 37361.28 95644.24 176380

PTA 793 2971 10134 13898 13576.84 31332.49 46421

APA 764 5901 19499 26164 30587.34 115890.68 122953

KTM 598 4966 23367 28931 36196.80 98046.15 95921

IDI 466 2491 4743 7700 9548.91 29999.44 27550

EKM 855 5406 30429 36690 100528.85 54660.62 174175

TSR 1256 4765 24358 30379 58361.53 179864.56 123593

PKD 712 4051 17363 22126 33801.72 70752.93 102512

MPM 881 1983 10547 13411 23360.41 90100.65 53801

KZD 464 2910 17718 21092 24478.97 102921.18 88152

WYD 308 1649 2695 4652 5973.11 10737.91 17198

KNR 339 1811 12882 15032 22252.44 113361.18 97780

KSD 165 902 6269 7336 10448.39 27942.16 39473

Total 10818 53204 222188 286210 444173.13 1672177.60 1288135

Source: Directorate of Industries & Commerce, Kerala

[TVM-Thiruvaanthapuram,KLM-Kolam,PTA-Pathanamthitta,APA-Alapuzha,KTM-Kottayam,IDI-Idukki,EKM-Ernakulam,TSR-Thrissur,PKD-Palakkad,MPM-Malappuram,KZD-Kozhikode,WYD-Wayanad,KNR-Kannur,KSD-Kasaragod]

6. (Economic Review 2006, State Planning Board, Thiruvananthapuram).

v

Appendix 6

Performance of Small Scale sector in Kerala – Year wise

YearNo. of units (in Lakhs)

Production at current prices (Rs. Crores)

Employment (in lakhs)

1998-99 2.00 8604.42 9.81

1999-00 2.20 9770.65 10.54

2000-01 2.40 10998.25 11.14

2001-02 2.58 12214.38 11.73

2002-03 2.70 14083.72 12.16

2003-04 2.76 14550.44 12.37

Sources: Compiled from Economic Review 2003 & 2004, State Planning Board, Thiruvananthapuram.

vi

INTERVIEW SCHEDULE FOR THE PRODUCER

District:I. GENERAL INFORMATION

I.1 Location of the Unit: [] Urban

[] Rural

I.2 When set up? [ ]

I.3 Ownership Type[] Sole Proprietorship[] Partnership[] Company[] Co-operative[] Others

I.4 Age, Sex and qualification of the ownerAge: [] Below 30 [] 30-40 [] 40-50 [] Above 50

Sex: [] Male [] Female

Qualification: [] up to SSLC [] PDC/+2 [] Degree [] Tech Diploma [] Tech Degree [] PG

I.5 If your unit is registered, specify the body.[] District Industries Centre[] Khadi & Village Industries[] Kudumbasree etc.

2. ENTREPRENEUR’S SOCIO- ECONOMIC INFORMATION

2.1 Ownership of the Unit:[] Started by me [] Acquired [] Ancestral

2.2 Is this your main source of income?[] Yes [] No

2.3 If No, specify the other sources[] Agriculture [] Business [] In Gulf[] Service [] Gulf returned [] others

2.4 Unit Land and Building:[] Self-Owned [] for rent [] on lease

viii

2.5 Reason for starting this industry:[] To set up own industry [] to earn supplementary income[] unable to get desired job/any job [] Easy to set up

2.6 Specify your criterion for selecting this location. (Rank in order of priority).• Own home/land [ ]• Availability of labour [ ]• Labour is cheap [ ]• Marketing is easy [ ]• Collection of materials [ ]

2.7 Reason for selecting this product line:[] Low capital requirement [] Raw material available locally[] Good demand exists [] Need very little skill[] Previous experience

3. FINANCIAL INFORMATION

3.1 Total capital in Rs…………… (i) Fixed a) Land & Building Rs…………..

b) Machinery & Equipment Rs……………. (ii) Working capital Rs……………

3.2 Sources of capital: (i) Own savings Rs………………..

[] Previous Job [] Agriculture [] Business[] Others

(ii) Loan Rs…………..

3.3 Loan details: (i) Name of agency: (ii) Security and value: (iii)Interest rate : (iv)Interest charging method:

[] Flat [] Diminishing

3.4 Are you prompt in repayment : [] Yes [] No

3.5 If No, specify reasons:(i) Poor sales (ii) additional investment (iii) delay in debtors’ realization

3.6 In case of expansion, how funds were generated?[] Internal savings

ix

[] Borrowings from:-(i) Bank (ii) DIC (iii) K&VIC (iv) SIDCO(v) Kudumbasree (vi) friends & relatives.

3.7 Employment details:At Present Initially

M F M F

(i) Skilled(ii) Unskilled(iii) Casual

Total

3.8 What is your wage payment policy?[] Daily [] Weekly [] Monthly

3.9 What is the basis of payment of wages?[] Daily rate [] Piece rate [] Material Quantity rate

3.10 What is the -average wage/ day Rs………………highest wage /day Rs………………local casual wage/day Rs………………

3.11 (i) Is there any incentive system in your unit? [] Yes [] No

3.11(ii) If yes, specify [] On service basis [] Efficiency basis.

3.12 If you are sending the employees for any skill development program, specify

the name of agency (Duration of Training)

[] NIT [ ][] DIC [ ][] K & VIC [ ][] Kudumbasreee[ ]

3.13 Who is paying the Course fee?[] Employer [] Employee [] Sponsoring agency [] No fee

3.14 (i) Are you following any accounting methods?

[] Yes [] No

x

(ii) If the answer is yes, specify[] Costing [] Financial [] both [] No specific method

(iii) System of accounting[] Manual [] Computerised

4. PRODUCT INFORMATION

4.1 What are the products of your unit? Specify the main product.[] Hollow Blocks [] Solid Blocks [] Grills[] Door & Window frames [] Paving Bricks [] Well rings[] Inter locking Blocks [] Flower pots [] Electric posts[] Fencing slabs & Pillars [] others, specifyMain product { }

4.2 Is there any brand name for your product?[] Yes [] No

(i) If yes, please mention the brand name.[ ]

4.3 Have you ever made any diversification of product?[] Yes [] No

4.4 If the answer is yes, what are the new products?[] Inter locking blocks [] Paving bricks [] Solid blocks[] Door & Window frames [] Hollow bricks [] others, specify

4.5 What production technology are you following?[] Hydraulic Machine [] Inter locking machine[] Single vibrator [] Double vibrator[] Manual

4.6 Was there any complaint of pollution from Public, Govt, Environmentalists, or Trade? Unions, etc, specify

[] Public [] Govt. [] Environmentalists[] Trade unions [] others [] No complaints

4.7 In case of complaint, what remedial measures have you taken? [] Treatment of water [] Recycling of water[] Utilisation of curing water for production[] Careful handling of quarry dust and cement

xi

4.8 Does it have any prospective forward business linkage?[] Yes [] No

4.9 If yes, specify[] Construction sector [] Flooring/pavement field[] Echo resistant building

5. MARKETING INFORMATION

5.1 Do you market your product yourself?[] Yes [] No

5.2 If yes, specify the percentage of sales to[] Individuals & House holds [ ][] Private. Industries [ ][] Contractors [ ][] Dealers [ ][] Govt. Institutions [ ][] Others [ ]

5.3 Does your product face competition?[] Yes [] No

5.4 If yes, is it from[] Other local small* units[] Other local big* units[] Substitute products

5.5 Where do you sell the product?[] locally[] In the district[] In and out of the district.

5.6 How do you price your product?[] Cost plus [] Tender pricing[] Market determine [] others (specify)

5.7 Please give the percentage of cash and credit sales to total sales.[] Cash [ %][] Credit [ %]

5.8 In case of credit sales, please mention the credit period.[] up to 7 days [] up to 15 days [] up to 30 days[] up to 60 days [] above 60 days

5.9 In the order of severity rank your marketing problems.[] Competition from others [ ][] Unawareness of customers about the quality and durability [ ][] lack of demand [ ]

xii

[] Distribution & Transport [ ][] Price not competitive [ ][] storage [ ][] Any other, specify [ ]

5.10 What do you think about the demand for your product?[] Demand has grown in the past year.[] Demand remains steady.[] Demand has declined.

5.11 Are you getting supply orders throughout the year?Yes [ ]No [ ]

5.12 Mention the nature of supply orders.(i) More orders in rainy season [ ] (ii)More orders in summer season [ ](iii)All season [ ]

5.13 Have you ever failed to supply the products?Yes [ ]No [ ]

5.14 If the answer is yes, specify on what reasons? (Assign ranks on priority basis)(i) Product price variation [ ](ii)Product size variation [ ](iii)Bulk orders [ ](iv)Absence of site delivery [ ](v)Shortage of raw materials. [ ]

5.15 What are your future plans?[] To expand production.[] To start additional unit.[] To diversify.[] Happy with the present business.

*Small units mean units that are not using Hydraulic machines.*Big units mean units that are using Hydraulic machines.

*************

xiii

INTERVIEW SCHEDULE FOR DEALER SURVEY

District:

1.1 When set up? [ ]

1.2 Age, Sex and qualification of the ownerAge: [] Below 30 [] 30-40 [] 40-50 [] Above 50

Sex: [] Male [] Female

Qualification: [] up to SSLC [] PDC/+2 [] Degree [] Tech Diploma [] Tech Degree [] PG

1.3 Is this your main occupation?[] Yes [] No

1.4 If the answer is No, What is your main occupation? Specify

1.5 Do you have your own cement based industrial unit?[] Yes [] No

1.6 Are you giving any brand name?[] Yes [] No

1.7 How do you market the products?[] Stocking at the place of business[] Keep only samples and supply as per order[] Collecting orders only

1.8 Specify the rate of agency commission. [ ]

1.9 How long have you been selling the cement products?[] 1 year [] 2 years [] 3 years [] 5 years[] 7 years [] 10 years [] More than 10 years

1.10 From your experience please specify the sales trend.[] Steady growth [] Doubling every year[] Stagnation [] Declining.

1.11 With what products did you start your business?

[] Cement based products [] Substitute products[] Both [] Others

xiv

1.12 If you have started with substitute products, what led you to market cement products?

[] Enquiries from customers [] Propaganda by manufactures[] Advertisement in news paper etc.[] Non availability of standard quality substitute products throughout the year.

1.13 Does this result in reduction of sales for substitute products?[] Yes [] No

1.14 What are the advantages of doing this business? Specify.[] Owned storage facility [] Transportation facility[] Customer relation is there in selling other products.[] Brand name

1.15 (i) How do you procure the products?

[] For ready cash [] on credit [] both

1.16 (ii) If on credit, what is the normal credit period?[] 7 days [] 15 days [] 30 days [] 60 days[] more than 60 days.

1.17 (i) What is you mode of sales? Specify the percentage also. [] Ready cash [ ] [] for credit [ ]

1.18 (ii) If there are credit sales, what will be the normal credit period?

[] 7 days [] 15 days [] 30 days [] 60 days[] more than 60 days.

1.19 What in your opinion are the main problems in the dealership of cements based products? (Please rank in the order of severity)

[] Lack of demand [ ] [] Delay in supply [ ] [] High price [ ] [] Low quality [ ] [] Competition from other sellers [ ] [] Large area for stocking [ ]

1.20 Please give your suggestions to improve the sales of cement based products? [] [] [] []

*********************

xv

INTERVIEW SCHEDULE FOR CONSUMER SURVEY

District: Part A

1.1 Occupation of the respondent :

1.2 Age, sex, qualification :

Age [] below 30 years [] 30-40 [] 40-50[] Above 50

Sex: [] Male [] Female

Qualification:[] up to SSLC [] PDC/+2 [] Degree[] PG [] Tech.Diploma

[] Tech. Degree [] Professional

1.3 Monthly income (in Rs.)[] Below 2000 [] 2000-5000 [] 5000-8000[] 8000-10000 [] Above 10000

Part B

2.1 Specify the product you have used/ are using:[] Hollow blocks [] Door & Window frames [] Grills[] Inter locking Blocks [] Solid blocks [] Well rings[] Pavement bricks [] Fencing slabs & Pillars[] others

2.2 For what purpose you used it? [] Constructing the house [] Constructing boundary wall[] filling side walls of the building[] shed & toilet construction[] laying on the floor area [] others, specify.

xvi

2.3 What makes you use this product for the above work? Please rank according to your order of preference.

[] Easy availability [ ] [] Low-price [ ][] Neatness [ ][] Low wastage [ ][] Plastering not required [ ][] Strength [ ][] Others [ ]

2.4 What are your suggestions to improve the quality of the product?****

2.5 What factors do you consider in selecting a supplier?[] credit facilities [] consistency in supply[] door delivery [] quality of the product[] promptness in supply [] Brand name.

2.6 Evaluate the features of this product with substitute products.

Work progress [] slow [] average [] fast Wastage [] nil [] normal [] high

Quality [] season based [] non season based Dead weight [] more [] less Cost [] high [] low Plastering charges [] high [] low Weight resistance capacity [] high [] low Echo absorption power [] high [] low

********

xvii

kplrt¯,

Rm³ ae-¸pdw Kh¬saâv tImtf-Pnse tImtagvkv hn`mKw A²ym-]-I-\m-Wv.

“ae-_mÀ `mK¯vv {]hÀ¯n¨v hcp¶ knaâv A[n-jvTnX hyh-km-b-§-fpsS þ {]tXy-In¨v

knaâv I«-I-fpsS DÂ]m-Z\w þ {]iv\-§fpw t\«-§fpw” F¶ hnj-b-¯n Kth-jWw

sN¿p¶Xnsâ `mKambn Rm³ Hcp kÀtÆ \S-̄ p-I-bm-Wv. CXv XnI¨pw ]T-\-kw-_-Ô-

amb Dt±iyw am{Xw sh¨p-sIm-p-Å-Xm-Wv. Xm¦Ä \ÂIp¶ FÃm hnh-c-§fpw Fsâ

Kth-j-W-¯n\v am{Xta D]-tbm-Kn-¡p-I-bp-Åq-sh¶pw FÃm hnh-c-§fpw XnI¨pw cl-ky-

ambn kq£n-¡p-¶-Xm-sW¶pw CXn-\m km£y-s -̧Sp-¯n-s¡m-Åp-¶p. Xmsg ]d-bp¶

tNmZym-hen ]qcn-¸n¨v kl-I-cn-¡-W-sa¶v hn\o-X-ambn A`yÀ°n¡p¶p.

\µn-]qÀÆw,

]n.-sI. them-bp-[³

xviii

IqSn -¡mgvN hni-Zmw -i§Ä

PnÃ:

1 . s]mXp -hn -h -c -§Ä

1.1. Øm]-\-̄ nsâ * Øm\w

[ ] \Kcw

[ ] AÀ² \Kcw

[ ] {Kmaw

1.2. Øm]n-X-amb hÀjw : [ ]

1.3. DS-am-h-Imiw

[ ] kz´w

[ ] ]¦m-fn¯w

[ ] Iq«p-hym-]mcw

[ ] kl-I-cWw

[ ] aäp-Åh

1.4. DS-a-bpsS hbÊv, ]pcpj³/kv{Xo, tbmKyX

hbÊv [ ] 30\v Xmsg [ ] 30-þ40 [ ] 40-þ50

]pcp-j³/kv{Xo [ ] ]pcp-j³ [ ] kv{Xo

tbmKyX [ ] Fkv.-F-kv.-FÂ.kn [ ] ]n.-Un.kn/+2

[ ] Un{Kn [ ] sSIv. Unt¹ma

[ ] sSIv. Un{Kn [ ] ]n.Pn

1.5. Xm¦-fpsS Øm]\w cPn-ÌÀ sNbvX-Xm-sW¦n FhnsS?

[ ] PnÃm hyh-kmb tI{µw

[ ] JmZnþ{Kma hyh-kmb I½o-j³

[ ] IpSpw-_{io apX-em-bh

(Xp-S-cpw)

xix

2. kwcw -` -Isâ kmaq -ly -þ -km -¼-¯nI hnh-c -§Ä

2.1. Øm]\w A[o-\-Xn h¶Xv

[ ] kzbw XpS§n

[ ] hm§n

[ ] ss]Xr-I-ambn e`n¨p

2.2. CXv Xm¦-fpsS {][m\ hcp-am\ amÀ¤-amtWm?

[ ] AsX [ ] AÃ

2.3. AÃ, F¦n F§s\sb¶v hni-Z-am-¡p-I.

[ ] Irjn [ ] I¨-hSw [ ] Dt±ymKw

[ ] KÄ^v tPmen [ ] {]hmkn [ ] aäp-Åh

2.4. Øehpw sISn-Shpw

[ ] kz´w

[ ] hmS-I¡v

[ ] ]m«-¯n\v

2.5. Cu hyh-kmbw XpS-§m-\pff ImcWw

[ ] kz´-am-sbmcp hyh-kmbw

[ ] A\p-_Ô hcp-am\w t\Sp-¶-Xn-\mbn

[ ] Dt±-in¨ tPmen/Hcp tPmenbpw In«m-¯-Xn\mÂ

[ ] XpS-§m-\pÅ Ffp¸w

2.6. Cu {]tZiw sXc-sª-Sp-¡m-\pff am\-ZWvVw (ap³K-W\m {Ia-¯n AS-bm-f-s -̧Sp-¯p-I.)

* kz´w hoSv/`qan [ ]

* Ipdª Iqenbpw/sXmgn-emfn e`y-Xbpw [ ]

* hn]-W\w Ffp¸w [ ]

* Akw-kvIrX hkvXp-¡-fpsS tiJ-c-Ww

Ffp¸w [ ]

* sXmgn-em-fn-I-fpsS e`yX [ ]

xx

2.7. Cu D¸¶ taJe sXc-sª-Sp-¡m-\pÅ ImcWw

[ ] Ipdª aqe-[\w

[ ] hÀ²n¨ Bh-iy-IX

[ ] hfsc Ipdª kmt¦-XnI Úm\w

[ ] Akw-kvIrX hkvXp-¡-fpsS {]mtZ-inI e`yX

[ ] ap³]-cn-Nbw

3. km¼-¯nI hnh-c -§Ä

3.1. sam¯w aqe-[\w þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ------ cq]

1) Øncw (F) `qanbpw sI«nShpw þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ cq]

(_n) bt{´m-]-I-c-W-§Ä þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ cq]

11) {]hÀ¯\ aqe-[\w þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþþþ-þ-þ-þ-þ-þ-þ-þþ cq]

3.2. aqe-[\w kzcq-]n-¨Xv

1) kz´w k¼mZyw þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ cq]

[ ] ap¼pÅ tPmen-bn \n¶pw [ ] I¨-hSw

[ ] Irjn [ ] aäp-Åh

11) tem¬ þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ cq]

3.3. tem¬ hnh-c-§Ä

1) GP³kn-bpsS t]cv :

11) skIyq-cnän & hne :

111) ]eni \nc¡v :

4) ]eni hkq-em-¡p-¶Xv : [ ] ^vfmäv [ ] Unan-\n-jnwKv

3.4. tem¬ IrXy-ambn Xncn-¨-S-¡m-dptm? [ ] Dv [ ] CÃ

3.5. CsÃ-¦n AXn\v ImcWw?

[ ] hn -̧\-bnse amµyw

[ ] ]p\À \nt£]w

xxi

[ ] ISw ]ncnªv In«m-\pÅ Xmakw

3.6. hyh-kmb hnI-k\w \S-¶n-«p-s-¦n A[nI aqe-[\w kam-l-cn-¨Xv F§s\?

[ ] B`y-´c k¼mZyw

[ ] hmbv]-IÄ: [ ] _m¦v [ ] IpSpw_-{io

[ ] PnÃm hyh-kmb tI{µw

[ ] JmZn-þ-{Kma hyh-kmb I½o-j³

[ ] knUvtIm

[ ] kplr-¯p-¡fpw _Ôp-¡fpw

3.7. sXmgn hnh-c-§Ä

XZ-h-k-c-̄ n XpS-¡-¯nÂ

]pcp-j³ þ kv{Xo ]pcp-j³ þ kv{Xo

1) hnZKv[ sXmgn-em-fn-IÄ

2) Ahn-ZKv[ sXmgn-em-fn-IÄ

3) \nXy sXmgn-em-fn-IÄ

BsI

3.8. thX\ hnXcW- k{¼-Zmbw

[ ] \ntXy\ [ ] BgvN-bn [ ] amk-¯nÂ

3.9. thX\ hnXcW tXmXv F´mWv?

[ ] \nXy-¡qen [ ] F®w ASn-Øm-\-am¡n

[ ] D]-tbm-Kn-¡p¶ Akw-kvIrX hkvXp-¡-fpsS Af-hn-\-\p-k-cn¨v

3.10.Hcp sXmgn-em-fn-bpsS þ

icm-icn Znhk thX\w þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ cq]

IqSnb Znhk thX\w þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ cq]

{]mtZ-inI Znhk thX\w þþ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þ-þþ cq]

3.11. (1) Xm¦-fpsS Øm]-\-̄ n GsX-¦nepw Xc-̄ n-epÅ sXmgn t{]mÕml\

xxii

]²-Xn-IÄ \S-¸n-em-¡n-bn-«ptm?

[ ] Dv [ ] CÃ

3.12 2) Dv, F¶m-sW¦n hni-Z-am-¡p-I.

[ ] tkh\ ssZÀLyw IW-¡n-se-Sp¯v

[ ] Ign-hnsâ ASn-Øm-\-¯nÂ

3.13. Xm¦Ä sXmgn-em-fn-Isf hnZKv[ ]cn-io-e-\-̄ n-\mbn Ab-¡m-dptm?

Ds-¦n FhnsS?

(]cn-io-e\ Ime-b-f-hv)

[ ] F³.-sF.än. [ ]

[ ] PnÃm hyh-kmb tI{µw [ ]

[ ] JmZn-þ-{Kma hyh-kmb I½o-j³ [ ]

[ ] aäp-Åh [ ]

[ ] Ab-¡m-dnà [ ]

3.14. sXmgn ]cn-io-e-\-̄ n-\-b-¡p¶ sXmgn-em-fn-I-fpsS ]T\ sNehv hln-¡p-¶-Xvþ

[ ] sXmgn ZmXmhv

[ ] sXmgn-emfn

[ ] ]cn-io-e\w \ÂIp¶ Øm]\w

[ ] ^okv CÃ

3.15. (1) GsX-¦nepw coXn-bn-epÅ hchp sNehp IW-¡p-IÄ kq£n-¡m-dptm?

[ ] Dv [ ] CÃ

(2) Dv, F¶m-sW¦n hni-Z-am-¡p-I.

[ ] tImÌnwKv [ ] ^n\m³jyÂ

[ ] kwtbm-PnX cq]w [ ] {]tXyI coXn-bnÃ

(3) IW-¡p-IÄ kq£n-¡p¶ k{¼-Zmbw

[ ] km[m-cW coXn

[ ] I¼yq-«À F¡unwKv

xxiii

4. D¸¶ hnh-c -§Ä

4.1. Xm¦-fpsS bqWn-änsâ DÃ-̧ -¶-§-tf-sXÃmw? {][m\ DÂ -̧¶-taXv?

[ ] tlmtfm t»m¡vkv [ ] tkmfnUv t»mIvkv

[ ] I«ne & P\-hm-Xn s{^bnw [ ] Xd-]m-I {_nIvkv

[ ] CâÀ tem¡nwKv t»mIvkv [ ] InWÀ dnwKp-IÄ

[ ] AXnÀ Ém_p-Ifpw XqWp-Ifpw [ ] ]q¨-«n-IÄ

[ ] Ce-Iv{SnIv XqWp-IÄ [ ] aäp-Åh

{][m\ DÂ]¶w [ ]

4.2. (1) Xm¦-fpsS DÂ -̧¶-̄ n\v GsX-¦nepw {_mâv \maw Dtm?

[ ] Dv [ ] CÃ

(2) Ds-¦nÂ, {_mâv \maw kqNn¸n-¡p-I.

[ ]

4.3. Xm¦Ä atä-sX¦nepw ]pXnb D -̧¶-§Ä \nÀ½n¡m³ {ian-̈ n-«ptm?

[ ] Dv [ ] CÃ

4.4. Dv, F¶m-sW¦n GsX-Ãm-amWv ]pXnb D -̧¶-§Ä?

[ ] CâÀ tem¡nwKv t»m¡p-IÄ [ ] Xd-]m-I t»m¡p-IÄ

[ ] tkmfnUv {_n¡p-IÄ [ ] tlmtfm {_n¡p-IÄ

[ ] I«n-e, P\Â s{^bnw [ ] aäp-Åh

4.5. Xm¦Ä F´v DÂ]m-Z\ kmt¦-XnI hnZy-bmWv D]tbmKn¡p-¶Xv

[ ] sslt{Um-fnIv sajo³ [ ] CâÀ tem¡nwKv sajo³

[ ] GI ssht{_äÀ [ ] Cc« ssht{_-äÀ

[ ] ssIsImv am{Xw

4.6. s]mXp-P-\-§Ä, kÀ¡mÀ, ]cn-ØnXn {]hÀ¯IÀ, sXmgn-emfn kwL-S-\-IÄ XpS-

§nb hn`m-K-§-fn \n¶v aen-\o-I-cW kw_-Ô-amb ]cm-Xn-IÄ Fs´-¦nepw Dm-

bn-«ptm? Ds-¦n kqNn-¸n-¡p-I.

[ ] s]mXp-P-\-§Ä [ ] kÀ¡mÀ

xxiv

[ ] ]cn-ØnXn {]hÀ¯IÀ [ ] sXmgn-emfn kwL-S-\-IÄ

[ ] aäp-Å-hÀ [ ] ]cm-Xn-bp-m-bn-«nÃ

4.7. ]cmXn Dm-bn-«pÅ ]£w Ah ]cn-l-cn-¨-sX§s\?

[ ] Pe ip²o-I-cWw sNbvXv

[ ] thtÌ-Pp-IÄ D]-tbm-KtbmKy-am¡n

[ ] ]cn-N-c-W-̄ n-\mbn D]-tbm-Kn¨ shÅw DÂ]m-Z\¯n\mbn hopw D]-

tbm-Kn¨v

[ ] Izmdn s]mSnbpw knaâpw {i²m-]qÀÆw ssIImcyw sNbvXv

4.8. Cu hyh-km-b-¯n\v aäp _nkn-\-kp-I-fp-ambn Bim-h-l-amb Fs´-¦nepw Hcp

_Ôw Øm]n-¡m-\m-bn-«ptm?

[ ] Dv [ ] CÃ

4.9. Ds-¦nÂ, hni-Z-am-¡p-I.

[ ] \nÀ½mW cwK¯v

[ ] Xd-]m-IÂ cwK¯v

[ ] {]Xn-[z\n \nhm-cW \nÀ½mW cwK¯v

5. hn] -W\ hnh-c -§Ä

5.1. DÂ]-¶-§Ä Xm¦Ä t\cn«v hn]-W\w \S-̄ p-I-bmtWm?

[ ] AsX [ ] AÃ

5.2. AsX, F¶m-sW¦n hnÂ]\ iX-am\w hyà-am-¡p-I.

%

[ ] hyàn-IÄ & IpSpw-_-§Ä [ ]

[ ] kzImcy Øm]-\-§Ä [ ]

[ ] Icmdp-ImÀ [ ]

[ ] hym]m-cn-IÄ [ ]

[ ] Kh. Øm]-\-§Ä [ ]

[ ] aäp-Å-hÀ [ ]

xxv

5.3.1. Xm¦-fpsS DÂ]-¶-§Ä hn]-Wn-I-fn aÕcw t\cn-Sp-¶ptm?

[ ] Dv [ ] CÃ

5.4. AsX, F¶m-sW¦n GXp hn[-̄ nÂ?

[ ] aäp {]mtZ-inI sNdp-InS bqWn-äp-I-fn \n¶v.

[ ] aäp {]mtZ-inI h³InS bqWn-äp-I-fn \n¶v.

[ ] kam-´c DÂ]-¶-§-fn \n¶v.

5.5. Fhn-sSbmWv Xm¦Ä DÂ]-¶-§Ä hnä-gn-¡p-¶Xv?

[ ] {]mtZ-in-I-ambn

[ ] kz´w PnÃ-bnÂ

[ ] PnÃ-¡-I¯pw ]pd¯pw

5.6. Xm¦-fpsS DÂ]-¶-§-fpsS hne IW-¡m-¡p-¶-sX§ns\?

[ ] DÂ]m-Z\ sNehpw t\cnb em`hpw

[ ] ZÀLmkv hne

[ ] hn]Wn hne-\n-e-hmcw

5.7. Xm¦-fpsS sam¯w hnÂ]-\-bn sdm¡ hnÂ]\bptSbpw IS-¯n-\pÅ hnÂ]-\-bp-

tSbpw hnhcw iXam\ cq]-¯n kqNn-¸n-¡p-I.

%

[ ] sdm¡w [ ]

[ ] ISw [ ]

5.8. IS-¯n\v hnÂ]-\-bp-s-¦nÂ, F{X Ime-t¯-s¡¶v kqNn-¸n-¡p-I.

[ ] 7 Znhkw hsc [ ] 15 Znhkw

[ ] 30 Znhkw [ ] 60 Znhkw

[ ] 60 Znh-k-¯n-\p-ÅnÂ

5.9. Xm¦-fpsS hn]-W\ {]iv\-§Ä ap³K-W\m {Ia-¯n- tcJ-s -̧Sp-¯p-I.

[ ] aäp-Å-h-cn-Â \n¶pÅ amÕcyw [ ]

[ ] KpW-ta-·-tbbpw hoSn-t\bpw Ipdn-̈ pÅ

D]-t`m-àm-¡-fpsS Adn-hn-Ãmbva [ ]

[ ] Bh-iy-¡m-cpsS Ipdhv [ ]

xxvi

[ ] hnX-cW/KXm-KX {]iv\-§Ä [ ]

[ ] aÕc hne-bpsS A`mhw [ ]

[ ] kw`-cWw [ ]

[ ] aäp {]iv\-§Ä (hn-i-Z-am-¡p-I) [ ]

5.10. Xm¦-fpsS DÂ]-¶-§Ä¡v Bh-iy-IX IqSn-b-Xmbn Xm¦Ä Icp-Xp-¶ptm?

[ ] Ignª hÀj-t¯-Xn-t\-¡mfpw IqSn-bn-«pv

[ ] Ønc-ambn \n¡p¶p.

[ ] Ipd-ªn-cn-¡p-¶p.

5.11. Xm¦Ä¡v hÀjw apgp-h\pw kss¹ HmÀUÀ e`n-¡p-¶ptm?

[ ] Dv

[ ] CÃ

5.12. Ds-¦n GXv kok-Wn-emWv IqSp-XÂ?

(F) IqSp-XÂ HmÀU-dp-IÄ ag¡m-e¯v

(_n) IqSp-X HmÀU-dp-IÄ th\¡m-e¯v

(kn) FÃm kok-Wnepw Hcp-t]mse HmÀUÀ e`n-¡p-¶p.

5.13. GsX-¦nepw Ah-k-c-¯n Xm¦Ä¡v D -̧¶-§Ä hnX-cWw sN¿m³ BImsX

h¶n-«ptm?

[ ] Dv

[ ] CÃ

5.14. Ds-¦nÂ, GXv Imc-W-¯mÂ? (ap³K-W\m {Ia-¯n dm¦v \ÂIp-I)

(F) D¸¶ hne hyXymkw [ ]

(_n) DÂ -̧¶-̄ nsâ hep¸ hyXymkw [ ]

(kn) henb HmÀU-dp-IÄ B.-b-Xn-\m [ ]

(Un) D -̧¶-§Ä sskän hnX-cWw sN¿m³ BIm-¯-Xn-\m [ ]

(C) Akw-kvIrX hkvXp-¡-fpsS ZuÀe`yw [ ]

5.15. Xm¦-fpsS `mhn ]cn-]m-Sn-IÄ Fs´ms¡?

[ ] DÂ]m-Z\w hnI-kn-¸n-¡p-I.

[ ] asämcp bqWnäp IqSn Bcw-`n-¡p-I.

xxvii

[ ] hyXykvX DÂ]-¶-§Ä IqSn \nÀ½n¡pI

[ ] Ct¸m-gpÅ bqWnäv H¶p IqSn DuÀÖ-kz-e-am¡n XpS-cp-I.

*******************

xxviii

hnX-c -W-¡m-c -\pÅ IqSn -¡mgvN ]«nI

PnÃ:

1.1. Ft¸mÄ Øm]n-X-ambn : [ ]

1.2. DS-a-Øsâ hbÊv, ]pcp-j³/kv{Xo, tbmKyX F¶nh

hbÊv [ ] 30 \v Xmsg [ ] 30-þ40 [ ] 40-þ50

[ ] 50 \v apI-fnÂ

]pcpj³/kv{Xo [ ] ]pcp-j³ [ ] kv{Xo

tbmKy-X-IÄ: [ ] Fkv.-F-kv.-FÂ.-kn. hsc [ ] {]oUn{Kn/+2

[ ] kmt¦-XnI _ncpZw [ ] _ncp-Zm-\-́ c _ncpZw

1.3. CXv Xm¦-fpsS apJy sXmgn-emtWm?

[ ] AsX [ ] AÃ

1.4. AÃ, F¶msW-¦n Xm¦-fpsS apJy sXmgn Fs´¶v kqNn-¸n-¡p-I.

[ ]

1.5. Xm¦Ä¡v kz´-ambn knaâv A[n-jvTnX hyh-kmb bqWnäv Dtm?

[ ] Dv [ ] CÃ

1.6. DÂ]-¶-§Ä¡v Xm¦Ä GsX-¦nepw {_mâv \maw \ÂIp-¶ptm?

[ ] Dv [ ] CÃ

1.7. Xm¦Ä DÂ]-¶-§Ä hn]-W\w \S-̄ p-¶-sX§s\?

[ ] I¨-hS Øe¯v kw`-cn¨v sh¨v

[ ] km¼nÄ tiJ-cn¨v sh¨v HmÀUÀ {]Imcw hnX-cWw

[ ] HmÀUÀ kzoI-cn-¡Â am{Xw

1.8. GP³kn I½o-j³ \nc-s¡{X? [ ]

1.9. F{X-Im-e-ambn Xm¦Ä knaâv DÂ]-¶-§-fpsS hnÂ]-\-bn GÀs -̧«n«v?

[ ] 1 hÀjw [ ] 2 hÀjw [ ] 3 hÀjw [ ] 5 hÀjw

[ ] 7 hÀjw [ ] 10 hÀjw [ ] 10 hÀj-̄ n-e-[nIw

1.10. Xm¦-fpsS A\p-`-h-¯n \n¶v hnÂ]\ {]h-WX Fs´¶v kqNn-¸n-¡p-I.

[ ] Ønc-amb hfÀ¨ [ ] hÀjw tXmdpw Cc-«n-¡p¶p

[ ] Ønc-ambn \n¡p¶p [ ] hnÂ]\ Ipd-bp¶p

xxix

1.11. GsXÃmw DÂ]-¶-§-fp-am-bmWv Xm¦Ä hym]mcw XpS-§n-bXv?

[ ] knaâv A[n-jvTnX DÂ]-¶-§Ä

[ ] kam\ DÂ]-¶-§Ä

[ ] cv DÂ]-¶-§fpw

[ ] aäp-Åh

1.12. kam-´c DÂ]-¶-§-fp-am-bmWv hym]mcw XpS-§n-b-sX¦nÂ, knaâv A[n-jvTnX

DÂ]-¶-§-fpsS hn]-W-\-̄ n-te¡v Xm¦sf \bn¨ LS-I-taXv?

[ ] D]-t`m-àm-¡-fn \n¶pÅ At\z-j-W-§Ä

[ ] DÂ]m-Z-I-cpsS ]c-ky-§Ä

[ ] ]{X-am-kn-I-I-fnse ]c-ky-§Ä

[ ] KpW-ta³a-bpÅ kam-´c DÂ]-¶-§-fpsS hÀjw apgp-h-\p-am-bpÅ

e`yX-¡p-d-hv.

1.13. C¯-c-¯n-epÅ hnX-cW amäw kam-´c DÂ]-¶-§-fpsS hnÂ]-\-bn Ipdhv hcp-

¯n-bn-«ptm?

[ ] Dv [ ] CÃ

1.14. Cu hyh-km-b-§Ä XpS-§n-b-Xp-sIm-pÅ khn-tij KpW-§Ä Fs´Ãmw? hni-Z-am-

¡p-I.

[ ] kz´-ambn kw`-cW kuI-cy-ap-ÅXv D]-tbm-Kn-¡m-\mbn

[ ] hml\ kuIcyw ^e-{]-Z-ambn D]-tbm-Kn-¡m-\mbn

[ ] aäp DÂ]¶ hnX-c-W-¯n \n¶pÅ D]-t`màr _Ôw ^e-{]-Z-ambn

D]-tbm-Kn-¡m-\mbn

[ ] {_mâv \ma-¯nsâ ]n³_ew KpW-I-c-ambn

1.15 (1) Xm¦Ä DÂ]-¶-§Ä tiJ-cn-¡p-¶-sX§ns\?

[ ] sdm¡w [ ] ISw [ ] cp-hn-[-¯nepw

1.16. (2) IS-¯n-\m-sW¦nÂ, Ime-b-f-sh{X?

[ ] 7 Znhkw [ ] 15 Znhkw [ ] 30 Znhkw

[ ] 60 Znhkw [ ] 60 Znh-k-¯n-e-[nIw

xxx

1.17. (1) Xm¦-fpsS hnÂ]\ coXn-sb´v? iXam\ cq]-¯n hni-Z-am¡p-I.

%

[ ] sdm¡w [ ]

[ ] Isw [ ]

1.18. (2) IS-¯n\v hnÂ]-\-bp-s-¦nÂ, IS-̄ nsâ Ime-b-f-sh{X?

[ ] 7 Znhkw [ ] 15 Znhkw [ ] 30 Znhkw

[ ] 60 Znhkw [ ] 60 Znh-k-¯n-\Iw

1.19. Xm¦-fpsS A`n-{]m-b-¯n knaâv A[n-jvTnX DÂ]-¶-§-fpsS hnX-c-W-̄ n-epÅ

{]iv\-§Ä Fs´-Ãm-amWv? (ap³K-W-\m- {Ia¯n kqNn-¸n-¡pI)

[ ] Bh-iy-¡m-cpsS Ipdhv [ ]

[ ] hnX-c-W-¯nse Xmakw [ ]

[ ] hne-¡q-Sp-XÂ [ ]

[ ] KpW-ta³a-bn-Ãmbva [ ]

[ ] aäp hnÂ]-\-¡m-cn \n¶pÅ InS-a-Õcw [ ]

[ ] kw`-c-W-¯n\v IqSp-XÂ Øew

Bh-iy-ambn hcp-¶Xv [ ]

1.20. knaâv A[n-jvTnX DÂ]-¶-§-fpsS A[nI hnÂ]\ Dt±-in-¨pÅ Xm¦fpsS

\nÀt±i-§Ä Gh?

******

xxxi

D]-t`màr kÀtÆ IqSn -¡mg vN hni-Zmw -i -§Ä

PnÃ:

`mKw þ F

1.1. sXmgn :

1.2. hb-Êv, ]pcp-j³/kv{Xo, tbmKy-X-IÄ

hbÊv [ ] 30 \v Xmsg [ ] 30-þ40 [ ] 40-þ50 [ ] 50 \v apI-fnÂ

]pcp-j³/kv{Xo [ ] ]pcp-j³ [ ] kv{Xo

tbmKy-X-IÄ [ ] Fkv.-F-kv.-FÂ.-kn. hsc [ ] {]oUn{Kn/+2

[ ] _ncpZw [ ] ]n.-Pn. (_n-cp-Zm-\-́ c _ncpZw)

[ ] kmt¦-XnI Unt¹ma [ ] kmt¦-XnI _ncpZw

[ ] sXmgn A[n-jvTnXw

1.3. amk hcp-am\w (cq-]-bnÂ)

[ ] 2000 Â Xmsg [ ] 2000-þ5000 [ ] 5000-þ8000

[ ] 8000-þ10000 [ ] 10000 \v apI-fnÂ

`mKw þ _n

2.1. Xm¦Ä D]-tbm-Kn¨/D]-tbm-Kn¨p sImn-cn-¡p¶ DÂ]-¶-§Ä kqNn-¸n-¡p-I.

[ ] tlmtfm t»m¡p-IÄ [ ] I«n-e-þ-hm-Xn N«-¡qSv

[ ] {KnÃp-IÄ [ ] CâÀ tem¡n§v t»m¡p-IÄ

[ ] tkmfnUv t»m¡p-IÄ [ ] InWÀ dn§p-IÄ

[ ] Xd CjvSnI [ ] then sI«m-\pÅ Ém_p-Ifpw

XqWp-Ifpw

[ ] aäp-Åh

xxxii

2.2. F´v Bh-iy-¯n-\m-bmWv D]-tbm-Kn-̈ Xv/D]-tbm-Kn-¡p-¶Xv?

[ ] hoSv \nÀ½mWw [ ] aXn sI«p¶Xn\v

[ ] sI«nS¯nsâ CS NpaÀ XoÀ¡p-¶-Xn\v [ ] sjÍp-IÄ & tSmbveäv

\nÀ½mW¯n\v

[ ] Xd ]mIp-¶-Xn\v [ ] aäp-Åh (hni-Z-am-¡pI)

2.3. ta kqNn-¸n¨ DÂ]¶w Cu {]hr-¯n-¡mbn D]-tbm-Kn-¡m³ Xm¦sf t{]cn-¸n¨

LS-I-sa´v? Xm¦-fpsS A`n-cp-Nn-bpsS ASn-Øm-\-̄ n {Iao-I-cn-¡p-I.

[ ] thK-¯n-epÅ e`yX [ ]

[ ] Ipdª hne [ ]

[ ] hr¯n [ ]

[ ] Ipdª tISp-]mSv [ ]

[ ] ¹mÌdnwKv Bh-iy-anà [ ]

[ ] _ew [ ]

[ ] aäp-Åh (hni-Z-am-¡pI) [ ]

2.4. Cu DÂ]-¶-̄ nsâ KpW-\n-e-hmcw sa¨-s -̧Sp-̄ p-¶-Xn-\mbn Xm¦-fpsS \nÀt±i§Ä

Fs´Ãmw?

*

*

*

2.5. hnX-c-W-¡m-cs\ sXc-sª-Sp-¡p-¶-Xn\v Xm¦Ä ]cn-K-Wn-¡p¶ am\-Z-WvU-§Ä Fs

´Ãmw?

[ ] ISw In«m-\pÅ kuIcyw [ ] XS-Ê-an-Ãm-sX-bpff hnX-cWw

[ ] hoSp hsc F¯n¨p Xc [ ] DÂ]-¶-̄ nsâ KpW-\n-e-hmcw

[ ] IrXy-X-bpÅ hnX-cWw [ ] {_mâv \maw

xxxiii

2.6. Cu DÂ]-¶-t¯bpw kam\ DÂ]-¶-§-tfbpw kz`m-h-§-fpsS ASn-Øm-\-¯nÂ

Xmc-Xayw sN¿p-I.

tPmen ]ptcm-KXn [ ] ]Xps¡ [ ] icm-icn [ ] thK-¯nÂ

tISv]mSv [ ] CÃ [ ] Ipdhv [ ] IqSp-XÂ

KpW-\n-e-hmcw [ ] kok¬ A[n-jvTnXw [ ] kok¬ A[n-jvTn-XaÃ-

I\w [ ] IqSp-XÂ [ ] Ipdhv

hne [ ] IqSp-XÂ [ ] Ipdhv

tX¸v sNehv [ ] IqSp-XÂ [ ] Ipdhv

`mcw Xm§m-\pÅ

tijn [ ] IqSq-XÂ [ ] Ipdhv

{]Xn-[z\n {]Xn-tcm[

tijn [ ] IqSp-XÂ [ ] Ipdhv

xxxiv