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bharat ias - SCs/STs Hub Scheme

SCs/STs Hub Scheme

SCs/STs Hub Scheme  ·       Ministry of  Micro, Small and Medium Enterprises (MSME) is implementing a scheme  of  National Schedule Caste and Schedule Tribes (SC/ST) Hub. ·       The National SC-ST Hub was formally launched by the Prime Minister at Ludhiana, Punjab. ·       The Hub is set up to provide professional support to SC/ST entrepreneurs to fulfill the obligations under the Central Government Public Procurement Policy for Micro and Small Enterprises Order 2012, adopt applicable business practices and leverage the Stand Up India initiatives. ·       The functions of Hub include collection, collation and dissemination of information regarding SC/ST enterprises and entrepreneurs, capacity building among existing and prospective SC/ST entrepreneurs through skill training and EDPs, vendor development involving CPSEs, NSIC, MSME-DIs and industry associations including Dalit Indian Chamber of Commerce & Industry (DICCI), promoting participation of SC/ST entrepreneurs in exhibitions and organizing special exhibitions for this purpose, facilitating SC/ST entrepreneurs participating in public procurement and monitoring the progress, etc. ·       Four special subsidy schemes/programmes have been approved under National SC/ST Hub namely (i) Single Point Registration Scheme (ii) Special Marketing Assistance Scheme (SMAS) (iii) Performance & Credit Rating Scheme and (iv) Special Credit Linked Capital Subsidy Scheme. ·         Ministry is implementing a number of schemes for micro, small and medium enterprises(MSMEs) across  India including Chhattisgarh like  National Manufacturing Competitiveness Programme(NMCP), Prime Minister’s Employment Generation Programme(PMEGP), schemes for Khadi & Village Industries and Coir, International Cooperation Scheme, Performance and Credit Rating Scheme(PCRS), Marketing Assistance and Technology Upgradation(MATU) schemes, Scheme for Credit Guarantee Fund for Micro and Small Enterprises etc. Benefits under these schemes are available to all eligible MSMEs including those belonging to SC and ST entrepreneurs of Chhattisgarh.   ·        In addition to the schemes implemented by this Ministry, the Ministry of Social Justice and Empowerment is also implementing schemes for SC entrepreneurs including the Credit Enhancement Guarantee Scheme for Scheduled Castes(CEGSSC)  and Venture Capital Fund scheme for micro, small and medium entrepreneurs...

Publishes on : 17-Apr-2017 10:35 AM
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bharat ias - Finally, action on bad loans?

Finally, action on bad loans?

 Finally, action on bad loans? Context Empowering managements and strengthening governance at public banks can resolve the bad loan problem. What are bad loans? A loan where repayments are not being made as originally agreed between the borrower and the lender, and which may never be repaid are bad loans or non-performing assets (NPAs). Bad loans: Statistics Bad loans were 9% of total loans of all Indian banks a year ago. At public sector banks (PSBs), bad loans were 12% of all advances. Another 3% of loans in the aggregate (and 4% at PSBs) have been restructured. Total stressed assets — NPAs, restructured loans and unrecognized bad loans would amount to 16% of all loans and nearly 20% of loans at PSBs. Why has bad loan problem remained unresolved for so long? Failure to resolve bad loan problem over the past several years has increased the problem. Policy errors. Solution to Bad loan Problem Banks keep financing projects that are not making repayments in full and qualify as NPAs. Banks grow their loan portfolio at a brisk rate. We need a larger oversight committee or multiple oversight committees to speedily vet loan write-offs. To constitute a Loan Resolution Authority by an Act of Parliament. Government to provide adequate capital to the banks to cover write-offs and also facilitate fresh loan growth. Problem with Bank Board Bureau (BBB) Government appointed a Bank Board Bureau (BBB) as suggested by the Nayak committee and tasked it with appointing Chairmen and Managing Directors of PSBs. The BBB was assigned the role of advising banks on restructuring and raising capital. The bad loan problem and recapitalization of PSBs remained unaddressed.    ...

Publishes on : 17-Apr-2017 10:32 AM
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bharat ias - Why RBI should turn ‘accommodative’

Why RBI should turn ‘accommodative’

Why RBI should turn ‘accommodative’ Context RBI should consider changing the monetary policy stance to “neutral”. What is Monetary Policy Committee? Monetary Policy Committee (MPC) does the job of monetary policy-making in India. The committee will decide interest rates through a majority vote, with each member having one vote. The committee is guided by consumer inflation targeting, the government has set in discussion with the RBI (4% with a margin of two percentage points for the five years ending March 2021). Urjit Patel committee report on monetary policy reform Following statements from the report are important: Under flexible inflation targeting, inflation target is aimed to be achieved on average over the business cycle, while accommodating growth concerns in the short run. What limits the space for accommodating growth concerns even in the short run is persistently high inflation. Why MPC needs to revisit its decision of taking a ‘neutral’ stand? Because of lower growth and benign outlook of non-food inflation. Output on bonds and debentures (major source of finance) has hardened. Factors like uncertainty on the liquidity outlook, reduced probability of policy rate cuts, large supply of state development loans and front-loading of central government market borrowings. Moving policy stance from “neutral” to “accommodative” will reduce the risk of eroding investor confidence.    ...

Publishes on : 17-Apr-2017 10:26 AM
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bharat ias - SMART GRAM INITIATIVE

SMART GRAM INITIATIVE

SMART GRAM INITIATIVE   ·       President of India while inaugurating an Intelligent Operations Centre (IOC) in Rashtrapati Bhavan had declared the President's Estate a smart township. ·        He directed that the RB smart township model should be replicated in five selected villages in adjoining districts in NCR to convert them into smart model villages. ·       A concept paper was developed at RB. Various stakeholder agencies who have worked on projects at RB were consulted. ·       Senior functionaries of the central government and state government of Haryana were communicated with for taking the proposed project forward. ·       For us, a smart village is a humane, hi-tech and happy village which ensures an enhanced quality of life that contributes to the harmony, happiness and well-being of all the villagers. ·        A smart gram would have the required basic physical and social infrastructure with a layer of smart information and communication embedded in the infrastructure to improve governance and delivery of services, livelihood and economic opportunities. ·        Our focus is on creating a sustainable and inclusive development model that can be easily replicated. ·       This model is based on the convergence of resources and effort by the central government, state government, district administration, panchayati raj institutions, public sector, private sector and enlightened villagers. In the first phase, we are concentrating on providing: (i) Basic amenities i.e. potable water, regular electricity supply, sanitation and solid waste management, clean fuel for cooking, sustainable mobility and housing; (ii) Integrated healthcare at affordable prices through the setting up of e-Doctor Clinics and smart gram wellness centres; (iii) Education and skill development through quality enhancement of education in schools and setting up of smart gram training centres in each village for continuous up-gradation of skills based on the needs of the village and by creating a skill development hub at Udyog Kunj to cater to the skill needs of the area; (iv) Improvement in governance and service delivery through the use of IT connectivity and digitization by setting up of Common Services Centres (CSCs); (v) Creating livelihood opportunities by setting up Rural Economic Zones (REZs). .    ...

Publishes on : 17-Apr-2017 10:18 AM
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bharat ias - Water Management Index

Water Management Index

Water Management Index  ·       NITI Aayog has developed a Composite Water Management Index as a useful tool to assess and further improve the performance in efficient management of water resources. ·       The index would provide useful information for the States and also for the concerned Central Ministries/Departments enabling them to formulate and implement suitable strategies for better management of water resources. ·       The Index has 28 key Performance Indicators (KPIs) covering irrigation status, drinking water and other water-related sectors. It is targeted to prepare the index for States/Union Territories from the current financial year (2017-18).     ...

Publishes on : 17-Apr-2017 10:15 AM
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