msme.gov.in TREAD Scheme : Trade Related Entrepreneurship Assistance & Development

Organisation : Ministry of Micro, Small & Medium Enterprises
Scheme Name : TREAD Scheme Trade Related Entrepreneurship Assistance & Development
Applicable States/ UTs : All India
Home Page : http://msme.gov.in/
Terms & Conditions : https://www.statusin.in/uploads/37591-TREAD.pdf

MSME TREAD Scheme

Women have been among the most disadvantaged and oppressed sections of our country with regard to access to and control over resources.

Related : MSME Scheme of Fund for Regeneration of Traditional Industries SFURTI : www.statusin.in/22022.html

Problems faced by them and particularly for those who are illiterate and semi-illiterate both in rural and urban areas continue to be grave. In order to alleviate their problems, Govt. of India had launched a scheme titled “Trade Related Entrepreneurship Assistance and Development (TREAD) “during the 9th plan period.

The scheme envisaged economic empowerment exclusively of women through trade related training, information and counseling extension activities related to trades, products, services etc.

The Scheme has provided for financial loans through NGOs who were also provided GoI grant for capacity building. This Assistance was to be provided for self-employment ventures by women for pursuing any kind of non-farm activity.

Objective

Experience has revealed that apart from counseling and training, delivery of credit poses the most serious problem for the poor women.

Furthermore, there is dearth of information with regard to existing status of women and their common needs for providing necessary support.

Therefore, it was considered necessary that if poor women are to be economically empowered, appropriate programmes and schemes are to be designed so as to assist them in all respects.

Since such women will not be able to have an easy access to credit, it has also been envisaged that the credit will be made available to applicant woman through NGOs who would be capable of handling funds in an appropriate manner.

These NGOs will not only handle the disbursement of such loans needed by women but would also provide them adequate counseling & training for taking up productive activities.

The focal point of the scheme is to provide grant assistance to the nodal NGO which has been sanctioned bank loan for passing through the same to eligible women for taking up non-farm activities.

Eligibility

The Eligibility Criteria For Registration Of NGOs :
a) Be a legal entity with a minimum registration of three years.
b) Having experience in thrift and saving programmes with SHGs / individuals.

c) Be engaged in entrepreneurship and income generation activities for women.
d) Have basic infrastructure, qualified support staff and services to undertake micro-enterprise development for women.

e) Shall be eligible for Government Assistance i.e. shall not be blacklisted by any Ministry or any State Government under any scheme.
f) Shall not have any Government Assistance released earlier to the NGO pending i.e. Utilization Certificate overdue.

Grant/ Assistance For Capacity Building Of NGOs

Components Of GOI Grant :
a) Training expenses of operating staff on reducing scale.
b) The expenses on operating a management and monitoring system viz. Computer Hardware with internet facilities and Software for MIS,Fax Machine, Photocopy Machine, office furniture etc

c) Charges for legal documentation viz. for payment of stamp duty for loans agreement, hiring of legal experts, valuation of assets, examination of title deeds etc.
d) Auditor’s fee for auditing credit programme records.

e) For establishment of new SHGs
f) Skill Development /Common training / consultancy / networking inputs for the members (borrowers) relating to marketing, designing, packaging, quality control, technologies etc.

g) Travelling expenses to NGO for coordinating/ monitoring the project.
h) Payment of insurance premium on productive assets acquired by beneficiaries.

i) Participation in exhibition and other marketing events.
j) Part of repayment of loan installments.
k) Others components as approved by bank/ Steering Committee.