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Never-ending struggle of J&K’s young entrepreneurs

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Struggle of J&K's young entrepreneurs

Sarwar Malik

For over a decade, J&K witnessed a sharp rise in entrepreneurship. A good number of youngsters chose to leave their well-paying jobs to become entrepreneurs and job creators. Youngsters, who were settled outside, came back to invest in Kashmir and contribute their bit towards its development.

While dealing with conflicting social attitudes and other youth-related issues, these youngsters too have to face all those pressures faced by any other businessperson. Entrepreneurship is seen as a channel for the talents of many highly educated young people to explore their potential and cash their business acumen. Lack of jobs and the rise in unemployment is also seen as the main reason for growing entrepreneurship here.

At 16.2%, Jammu and Kashmir has the second-worst unemployment rate among states/union territories in the country as educated youth struggle with neglect and lack of job-creation policy. Evidence shows that the unemployed are unhappier, more likely to experience a range of health issues, for young people the effects of unemployment may be particularly scarring, evidence suggests that a spell of youth unemployment increases the likelihood of poorer wages and unemployment in later life. As per the Economic Survey Report of 2016, the employment rate in Jammu and Kashmir is higher than the average national employment rate. Nearly a quarter of its population in the age group of 18 to 29 years is unemployed, which is far more than the national rate of 13.2%.

Adding to it, the financial crisis post-2014 Floods and turmoil in 2016, youngsters find themselves hanging in between the continued geopolitical issues. However, the government came up with certain startup policies through JKEDI, PMEGP, PMMY, JKREGP, Standup India which somehow came like a hope for those who wanted to start their own enterprise. But this was not the end of their struggle, because most of the times the amount sanctioned through these schemes required to have either mortgage or guarantors by the financial institutions. It has also been witnessed that most of the projects sanctioned are either under-financed or poorly financed. Even maximum of the times banks don’t appreciate credit guarantee CGTMSE cover where govt promise up to Rs 2 crore without any guarantee or mortgage.

It’s also required to have your own place of work either owned or leased, which also becomes a reason for aspirants to give up because it’s not easy for everyone to have their own business place and at the same time it’s not easy to acquire leased place and above all, there is no land available in any industrial area throughout J&K. While discussing the latest J&K industrial land allotment policy 2021-30, there is no special quota for youngsters especially women entrepreneurs and there is no relaxation of land premium as well, which means that anyone be it a well-established businessman or aspiring entrepreneur or any new startup, the procedure of land allotment remains same, and that is the reason we see most of the industrial estates are dominated by either businessmen or second-generation entrepreneurs.

While going through our industrial policy and the latest Central Industrial Development Scheme of Rs 28,400 crore announced by the Lt Governor, it’s again a ray of hope for youngsters but how is this possible when there is lack of ease of doing business or poor management in any implementing department.  In 2020 the union territory has obtained 21st rank in ease of doing business which may be better than 29th rank in 2018 but on a broader perspective, J&K doesn’t even contribute 1% to the average national income.

Promoting youth entrepreneurship will not only help in reducing unemployment but more importantly showing young people that they have alternatives to create their own destiny by starting their own companies and just not waiting to find a job. A lot of constraints and perceived barriers to youth entrepreneurship have been identified as lack of capital, poor infrastructure, strict and cumbersome Government regulations, lack of guidance and awareness etc. J&K is facing slow growth of entrepreneurship due to least developed infrastructural facilities like communication, transport, power, and economic information etc.

Entrepreneurs create jobs, increase innovation, raise competition and are responsive to changing economic opportunities and trends. Entrepreneurship offers other positive externalities. A young person setting up a new business may provide ‘demonstration’ or learning externalities in that they may act as a role model for other young people. This may be particularly advantageous in deprived communities because setting up a new business especially if it goes on to be successful may signal that entrepreneurship is a mechanism for helping disadvantaged people break out of social exclusion. Indeed, one of the reasons why youth entrepreneurship is so attractive is that it offers an indigenous solution to economic disadvantage.

In spite of the increasing recognition of entrepreneurship as a source of job creation, regional development, and economic dynamism in a rapidly globalising world, there has been no systematic attempt to look at it from a youth angle. Youth entrepreneurship is picking up fast not only in developed states but also in developing states/UTs like J&K. Yet the overall poor rate of entrepreneurship may be attributed to several different factors like lack of venture capital, lack of infrastructure and political instability. While the state government has provided a host of incentives for industrial development, the rate of youth entrepreneurship remains low. Educated, skilled and unskilled youth need to consider entrepreneurship.

Post lockdown August 5, 2019, in continuation with the emergency lockdown of Covid19, came like a dent to already struggling economy. Entrepreneurs were still paying the losses of the turmoil of 2016 through the bank restructuring scheme which was supposed to end in December 2019. This instability caused huge sufferings to young entrepreneurs and ultimately lost all their savings and working capitals. As per the study held by the Youth Co:Lab (Asia Pacific) 86% of young entrepreneurs reported that coronavirus has negatively impacted their business. Among these, 1 in 3 report a major slowdown, and 1 in 4 have stopped entirely. Of the young entrepreneurs who report that coronavirus has negatively impacted their business, 88% have experienced reduced customer demand, 34% have experienced supply chain disruptions, 26% cannot progress government business, and 25% have experienced distribution disruption.

The special economic package which was announced by the Finance Minister, Smt. Nirmala Sitharaman on 13 May 2020. The name of the Scheme is ‘Distressed Assets Fund – Subordinate Debt for Stressed MSMEs but it came in the form of another loan and ultimately increased the liabilities of struggling entrepreneurs. As per another survey held by local body CYIK only 9.5% of young entrepreneurs reported that their business has received a tax break, loan, grant, subsidy, or another form of support.

Despite these negative impacts, the youth-led enterprises across J&K are innovating to support their communities to combat coronavirus and build back better. Youth-led enterprises are fighting misinformation, mobilising community action to protect the vulnerable, and developing innovative new products and services.

The author is CEO of Huckleberry Industries and MD at Proactive Premium Water and also general secretary at Consortium Of Young Industrialists representing young industrialists at various economic platforms

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Entrepreneurship

Exquisite in taste, Nava’s homemade jams and pickles ‘sell like crazy’  

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Homemade jams and Pickles

Syed Jesarat

Nava Shah was always passionate about cooking and creating new recipes. However, it was only after her marriage and the birth of two children that she decided to turn her passion into a full-fledged business.

After completing her MBA from the University of Kashmir in 2015, Nava started teaching in a local school. Though she was doing it with full dedication, but her interests lay in the kitchen where she would be always experimenting.

In February 2021, she said goodbye to her teaching job and started making pickles and jams under the brand name ‘Jamklejars’. With her experiments and new recipes, she was able to attract regular clients quite early on. Presently she has two more people helping her to run the affairs. They distribute items via JhelumCart, both logistics and packaging are managed by a team of three.

Exquisite in taste homemade jams and pickles 'sell like crazy'  After the jars have been cleaned and sterilised, they are filled with content in the most hygienic manner possible before being packaged. ‘Jamkle’s’ store is located inside the house itself. Nava explains, “We have a cloud kitchen, and we administer everything from there.”

Customers can choose from a wide variety of homemade jams and pickles. Due to their natural preservation and fermentation, pickles come in a wider range of flavours, including mutton pickles, chicken pickles, date pickles, garlic pickles and other veg pickles.

Nava just recently began making jams this year. Her jams and pickles are produced with fresh ingredients and contain no preservatives. Strawberry, mulberry, quince, and other fruits are among the jam varieties. She also sells organic honey in addition to jam and pickles. Fresh produce from the local market is utilised as the primary ingredient in jams and pickles. Her pickles and jams range from Rs 200 to Rs 650 and come in several jar sizes.

She has thousands of followers on Facebook and Instagram, where she sells a substantial number of products under the handle ‘Jamklejars‘. Additionally, she draws clients from outside the state. Most orders are placed online through social media platforms: Instagram and WhatsApp. They provide delivery services all over India.

“I receive orders from Kerala, Odisha, Gujarat, Rajasthan, and other states in addition to J&K, I already have a huge customer base within the state,” says Nava.

Exquisite in taste homemade jams and pickles 'sell like crazy'  

Although Nava had the idea for the business before, she never actually carried it out. A very ambitious businesswoman from Nowshera, Srinagar, Nava has supplies readily available and doesn’t keep customers waiting for purchases.

“At first, I tried making it multiple times until I mastered it. It took me three months to get into pickle perfection, and once I was sure in my ability to make them, only then I started selling,” she says.

Nowadays, online media gives many businesses a platform and has made it easier for small firms to reach their target markets and get noticed.  Due to the online boost, “Jamklejars” has also made progress.

“I believe that 90% of the business setup was made possible through online platforms. Additionally, I’ve visited exhibitions and engaged with visitors there, who purchased and tasted the ‘Jamklejars’ products,” she says.

Being an entrepreneur is never easy, especially for a married woman, yet Nava succeeded in achieving her ambition.

She says, “I’m grateful to have great people in my life. My in-laws, especially my husband, have supported me through the journey,”

The venture’s goal was met pretty quickly, at the very first stage. The amount of money made exceeds the expectations of owner Nava. In the future, the home-based business will be seen in the retail sector as well for its easy accessibility to consumers.

“We are considering launching a website as well, but not right now. For the time being, we are just concentrating on the retail sector because it is convenient for clients to make purchases there.”

Nava encourages potential entrepreneurs to create innovative ventures without reluctance.

“Setting goals and making baby steps toward them are always beneficial,” she says.

“Once we have faith in our aspirations, we can achieve them. Business is the finest choice one can have because jobs are neither possible nor available in the current environment,” she adds.

Launching a small business from home is a labour-intensive procedure. Nava encourages people to support and purchase local items, especially from women business owners who run their businesses from home because they have a lot to balance between family and business.

Exquisite in taste homemade jams and pickles 'sell like crazy'  

 

On the online platforms, Nova gets get feedback. One of the comments on an Instagram post states: “Jamkle genuinely has pickles of the unique recipe, I rarely have come across such great jams and pickles in Kashmir.” Another comment reads:  ” I Liked the pickle very much, it was wonderful in taste”.

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Entrepreneurship

Saalas: Food and grocery app delivering happiness at your doorsteps

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Food and grocery app delivering happiness

Syed Jesarat

Over the past few years, not only eating out but ordering food home from a restaurant has become a recreational activity in Kashmir, particularly as COVID19 restricted people’s movement. However, Kashmir doesn’t have too many platforms guiding us on where and what to eat. Saalas: Food and grocery app aims to fill that gap and connect people to authentic food places.

Salaas is an application that delivers things to your doorstep by making a few clicks on your phone. Salaas is the story of a business that expresses the desire, dedication, and service of a person toward his society.

“It is just an initiative through which I can serve the people of my town and my aim is to digitalize Kashmir by bringing some tech solutions,” said 33-year-old, Farooq Ahmad Seeru founder of Saalas. The app is presently operational in Sopore town, but Farooq wants to expand its footprint across Kashmir.

 How it works

The app is available in the Google play store for all Android phones and the App Store for ios phone users, download it, enter your location, explore all the grocery shops and restaurants in your town, check their menus, and ratings, and order right from the app and pay from your wallet. You can order from any restaurant available in the town.

“We built every feature of the app keeping in mind the location. We also analysed the pros and cons and how to go with our brand in the market through research and we have tie-ups with almost all the local restaurants and the grocery shops of Sopore town. It’s still in its initial stage. the response as of now is good and we are expecting more in the coming future as we are planning to expand it in other towns and districts,” said Farooq.

“It was initially difficult because nobody supported the idea due to prevailing conditions in the valley and secondly it was difficult to organise the unorganized food delivery concept.”

 What one can get through Saalas app?

Saalas app is presently operational in north Kashmir with delivery feet consisting of eight deliverymen delivering everything from fresh fruits to vegetables, rice to dals, spices to seasonings to any packaged products, and many more with a minimum amount of 199.

“Every day in the morning time, we have orders piling up mostly on vegetables and other grocery items and in the latter part of the day, we get orders for junk food and other items. We have kept a minimum checkout of Rs 199. We have also the option of picking and choosing different things,” said Farooq

Food and grocery app delivering happiness Farooq is a software engineer by profession presently working as head of data (artificial intelligence and machine learning) for Hyke.ai in Dubai. Hyke is a state–of–the–art technology powered by analytics AI, Machine learning, and predictive analytics, completed by a robust supply chain that balances efficiency and speed.

He also has experience working as a data scientist with Rakuten Japan. Rakuten is Japanese electronic commerce and online retailing company based in Tokyo, it business to many e-commerce platforms and is one of the largest e-commerce sites in the world.

“I have the experience of working in various countries like England, Japan, Thailand, and Dubai but, the feeling and satisfaction you get when you have the startup at a place where you have spent your childhood and among your own people is always special. And with that startup people are getting livelihood is even more special,” said Farooq.

Farooq, the youngest among four siblings, born in apple town Sopore to a family of farmers, has proved that with hardwork and proper goals in life anyone can be successful in life and considers his elder brother also a computer graduate as an inspiration.

“My brother is my inspirational it’s because of him I came into this profession,” he said.

 Customer-friendly app

Saalas is turning out to be one of the best online food and grocery apps through its poised approach. The professionalism of the people associated with Saalas has won the hearts of people.

“Saalas app has come as a sigh of relief for me because being the elder child in the family of five and a cricket enthusiast. Every time my parents used to call bring this and that sometimes in the middle of a cricket match. I have been regularly using it for the past many months and literally, it has brought inner peace in me,” said Sajad Reshi from Sopore

Food and grocery app delivering happiness“Lot of food and grocery apps were e-launched before saalas but, could not survive due is various reasons.  Saalas has laid its mark; the people associated with Saalas are professional in terms of app management and the services it provides. Saalas is a good app people should take benefit from it. We are benefiting a lot from it. It has come very much handy for us as restaurant owners. I hope they really grow more and I am one of the big supporters,” said Jibran Khan owner of Zero Miles, one of the premier restaurants of apple town Sopore.

In the coming months, Farooq Seeru owner of Saalas app is planning to start another startup on the name of Kashmir Rides to help daily commuters book taxi and bus seats online.

“Kashmir Rides is our upcoming project. We are working on it; through Kashmir Rides, one can book any taxi or a seat on the bus from Baramulla to Srinagar. If a person from any place like Sangrama has to travel Srinagar he can book the seat in sumo that seat will be kept reserved for him till the stop,” said Farooq.

“We are hopeful with Saalas and Kashmir Rides; we will continue to provide the best and most affordable service to the public all over Kashmir,” he concluded.

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Entrepreneurship

Rafia’s homemade bakery sells like hot cakes

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homemade bakery cakes

Syed Jesarat 

A baked food shouldn’t be only mouth-watering but must be a treat for the eyes and heart, as the famous adage goes, ‘we eat with the eyes first’.

Keeping this in mind, self-taught baker Rafia Manzoor has created a niche for herself. She has become a popular name in the Chatabal area of the city when it comes to homemade bakery be it birthday cakes or any other confectionary required for special occasions.

Though becoming a professional baker was never on Rafia’s mind who completed her journalism degree in 2019 from the University of Kashmir, the COVID19 pandemic became a reason to hone her skills in bread making. Always passionate to do something, she could not stay idle at home. So, with the help of the internet, she started experimenting with the dough and soon turned into a cake specialist, who could make a variety of cakes and other bakery items.

homemade bakery cakes

Never an easy job, Rafia has learned all the art and science of baking and makes tasty varieties of designer cakes, cupcakes, croissants, muffins and other such items.

She handles her business online on the Instagram handle by the name ‘Sweet Craving Bakery’ under the tagline ‘You Crave, We Bake’ and delivers her clients specialised bakery as per their will.

She also handles the packaging and delivery herself.

“I do everything myself, from baking to packaging, everything is done by me,” Rafia said.

The idea came to her in 2020, during the COVID19 lockdown.

“It has been a slow process for me, initially everything was spun around my passion, but by then friends and family encouraged me to change this into a business,” she said.

“I wanted to earn money and wanted to do something, since jobs are hardly available and it’s hard times for journalists, I decided to follow my hobby and turned this into a successful business.”

The clients are growing bit by bit, in the early stages it was essentially confined to her friends and relatives only, as of now the graph of her customers is growing. The logo was designed by artist Sadia Mir, who is friends with Rafia.

“My friend, Sadia made the logo, she was among the first ones to encourage me to acknowledge this as a business,” she said.

Rafia has always been enthusiastic about achieving something all through their regular day-to-day life, being the most energetic one she was continuously encouraged and asked to do what her heart wanted to do.

Rafia is a self-made and well-trained professional baker. She gained all that without assistance from any other person, except for the occasional help from Youtube.

Rafia says the graph of her clients is going up, and people demand again from her after ordering the first time. The quality is amazing, as per client reviews.

“I serve quality Bakery, it tastes best and I get positive responses, for the most part, I haven’t got a lone negative feedback on my food quality or packaging right now,” she said.

homemade bakery cakes

Family support for a younger child in her twenties is grateful to see, and a change of calling with a positive system is barely seen nowadays.

“Friends and family have always been major areas of strength for me,” she said.

“Notwithstanding, in case lockdown is set up again, I’ve my client base at this point,” she added.

Sweet craving bakery, at this point, is not on the web but instead using virtual media, Instagram and Facebook at present. The orders are mostly received on Instagram.

“I have no inspiration as such, I wanted to follow my dreams,” she said.

She encourages everyone to follow their dreams and don’t keep away from things which they like.

“Baking is no rocket science, if one wishes and is determined to follow passion one can do it, if one has a goal, patience is the way to everything. Nothing happens in one day,” said Rafia.

The orders can range from as little as Rs 200 onwards.

Some reviews on Rafia’s Instagram handle:

“Delicious cake, one of the best,” reads one of the comments

“Keep the good work up, the doughnuts are tasty,” reads another comment.

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