Those who are too smart to engage in politics are punished by being governed by those who are dumber ~ PLATO

Friday, April 10, 2015

MUDRA - Funding the Unfunded

Pradhan Mantri MUDRA (Micro Units Development and Refinance Agency) Yojana


Mudra Innovation may Prove a Game Changer

By: Shri S Gurumurthy | Published: 10th April 2015


http://www.newindianexpress.com/nation/Mudra-Innovation-may-Prove-a-Game-Changer/2015/04/10/article2757174.ece
Pic Credit: The New Indian Express

In the above article published in TNIE today, Shri S Gurumurthy (SG) analyses MUDRA Yojana. Drawing here some key points form this article and listing them here for easy understanding of MUDRA:

First, the background with some numbers:
  1. Corporate Sector in India accounts for just 15% of India’s GDP.
  2. 50% of India’s GDP comes from non-Corporate or Informal Sector = 'Small and Micro Businesses’ (SMB)
  3. Corporate sector accounts for just about 10% of the total Jobs.
  4. 90% of the Jobs come from non-Corporate or Informal Sector.
  5. There are about 5.8.Crore (58 Million) 'Small and Micro Businesses' that actually drive the Indian economy
  6. These 'Small and Micro Businesses’ employ about 12.8 Crore of India’s total working population.
  7. Corporate Sector employs totally about 1.25 Crore.
  8. The value addition produced by 'Small and Micro Businesses’ (SMB) is about 55% as compared to 36% Value Addition of gross fixed assets produced by the Corporates.
  9. As much as two-thirds of these 58 Million SMB are run by SC, ST & OBC and more than Half come from Rural areas.
  10. 'Small and Micro Businesses’ that: a) employ 10 Times more than the Corporates, b) Contribute 35% more to GDP, c) Produce 20% more value addition; gets just about 4% of its total Credit requirement met by Banks. For the remaining 96% credit needs, they have to depend on money lenders with extortionate rate of interest. And yet, they come out looking much better across various indicators than the Corporates.  
So, to sum it up, 90% of jobs, 50% of India’s GDP & 20% more value addition comes from the non-corporate or informal sector (SMB), that has been completely ignored and gone unnoticed by the Banking and Finance sector, who spend 96% of their funds to finance the Corporates. Hence,

MUDRA: Funding the Unfunded ! sabka saath, sabka vikas


What is MUDRA all about? MUDRA is not a conventional bank that would start giving direct credit to these SMB, but a well thought out policy blue print, under the newly constructed Niti Aayog. This is basically a Credit delivery mechanism to reach out to the Geographically and Demographically backward part of India. MUDRA is purely an India-centric concept, has no precedent anywhere and based on Niti Aayog adopted theme of “what works in and for India”. MUDRA seeks to fertilise the Bottom-of-Pyramid (BoP) of the economy.

Quoting Shri SG: "The MUDRA yojana is an endeavour to give a policy orientation to the largest and yet neglected segment of the national economy to bring it within the orbit of organised economy. "

Some key points of MUDRA as elaborated in the article are as follows:
  • MUDRA is not a Bank but a Refinance institution.
  • MUDRA will register & regulate State and National level lenders.
  • These lenders will in turn register small “Last Mile Financiers” (LMF).
  • LMF will be in the form of local post-offices or lenders, who are already lending to SMB.
  • State and National level lenders will then refinance these LMF.
LMF will be the key players in this scheme as they will connect with SMB directly at the local level. MUDRA will integrate these non-formal LMF with National lenders to deliver formal credit to the SMB.

***

Here is a You Tube video presentation of MUDRA Yojana:





Monday, March 30, 2015

बस कर, अब रुलाएगा क्या?



 
दिल्ली वालों, अब बस भी करो - इनसे ना हो पायेगा । 
और नहीं झेला जाता इस रोज-रोज की "आप-नौटंकी" को । 

श्री अरविन्द केजरीवाल जी और उनके राजनैतिक गठबंधन "आम आदमी पार्टी" से मुझे कोई शिकायत नहीं है । ये तो जनतंत्र का नियम है जिसके चलते इस देश का कोई भी नागरिक चुनाव के लिए खड़ा हो सकता है । उसे जितना या हराना केवल जनता जनार्दन (मतदाताओं) के हाथ में होता है । हमारी शिकायत है दिल्ली के मतदाताओं से । इसीलिए ये पोस्ट हम ख़ास दिल्ली वालों को सम्बोधित करते हुए, हिंदी में लिख रहे हैं । 

हमने आपको बहुत समझाने की कोशिश की थी । राष्ट्रीय अखबारों और टीवी में ना सही (वो तो कांग्रेस के हाथों बिके हुए थे) लेकिन इंटरनेट  के माध्यम से और विभिन्न प्रादेशिक हिंदी पत्र-पत्रिकाओं में लम्बे-छोटे लेख लिखे थे । ब्लॉग पोस्ट, फेसबुक और ट्विटर के माध्यम से हमने आपको ना केवल सामान्य जानकारी प्रदान करी, लेकिन इनकी (आम आदमी पार्टी) आतंरिक गतिविधियों, परिस्थिति और राजनीतिक परिपेक्ष से भी अवगत कराते हुए पूर्ण रूप से आपको सचेत भी किया था । हमने ये भी सोचा के दिल्ली के नागरिक अति-व्यस्तता के कारण लम्बे लेख ना पढ़ पाएँ, इसलिए इसी ब्लॉग पर, चुनाव के ठीक एक-दो दिन पहले, फ़ोटो के माध्यम से आपको इस 'आप' नामक नौटंकी के सारे रूप भी दिखाए थे । 

फोटो-ब्लॉग के माध्यम से हमने:
- आपको इनके ख़ास मित्रों से परिचित कराया । 
- इनके पुराने ड्रामेबाज़ होने के बारे में बताया ।
- इनके 'सेक्युलर' ढोंगीपन की बात की ।
- इनके पुराने ४९-दिनों के विफल शासन-काल और शासन-प्रणाली से अवगत कराया । 
-  इन आम आदमी के रंगों से परिचित कराया । 
- ये भी बताया कि ये मीडिया के लाडले हैं ।          



लेकिन आपको तो एक बार फिर से "सेक्युलर" सरकार की धुन सवार हो चुकी थी, जो आप लोग पिछले पैंसठ वर्ष से लगातार देख ही रहे हैं । और ये संकल्प आपने पहली बार नहीं लेकिन दूसरी बार, वो भी उनकी पिछली '४९-दिन' की विफलता देखने के पश्चात, पूरी सोच-समझ, होशो-हवास और चिंतन के बाद ही लिया । हमें इस बात पर बेहद आश्चर्य, आक्रोश और निराशा हुई है - दिल्ली के मतदाताओं से । आपको एक बार फिर वही गलती दोहराने की सज़ा तो मिलनी ही थी । आपने ये जो 'सेक्युलर सरकार' का विष-पान किया है, और जिस संख्या में इनको जिताया है, जहां आपने विपक्ष की कोई गुंजाइश ही नहीं छोड़ी, उसका हर्जाना तो आपको भुगतना ही पड़ेगा । 

यानी कि पूरे पांच साल तक इस "नौटंकी-सरकार" के शासन काल को भुगतना पड़ेगा और उसमे सड़ना पड़ेगा । 


हाँ, शुक्र है कि इस सब के चलते (यानि की दिल्ली सरकार के शासन काल के अंतर्गत) आप दिल्ली-वाले, 'केंद्रीय सरकार' के बहुत करीब हैं और ये आपके लिए एक बहुत बड़ी मदद साबित हो सकती है । 
या तो ऊपर वाला या फिर केंद्रीय सरकार, ये ही अब आपका कुछ भला कर सकते हैं ।

हम आपको एक बार फिर ये आश्वासन देना चाहेंगे कि आज भी, इस कठिन एवं बुरे समय में, हम आपके साथ हैं और हमारी पूरी सहानुभूति आपके साथ है । हम आपका दर्द समझते हैं और उम्मीद करते हैं कि इस देश के बाकी नागरिक और मतदाता आपसे और आपके गलत निर्णय से एक बहुत बड़ा राजनैतिक सबक लेंगे । दिल्ली वालों ने इस देश को ये राजनीतिक सबक और दिशा दिखाने में जो अहम भूमिका अदा की है, उसके लिए ये देश आपका हमेशा के लिए आभारी रहेगा ।      

हम इस मसले को और आगे ना बढ़ाते हुए यहीं समाप्त करते हैं । नहीं तो हमारे 'मित्र' बोलेंगे -
"बस कर , अब रुलाएगा क्या?"
 

Sunday, March 22, 2015

USCIRF: Watchdog for 'International Religious Freedom'



Caution: Longform.

This is in continuation of the earlier post Allow us to visit India: U.S. panel on religious freedom, in which we discussed the 'Hit-Job' Journalism by 'The Hindu' through a Story and a Dummy 'Telehone' Interview by Narayan Lakshman with Ms. Katrina Lantos-Swett, Chairperson of the U.S. Commission on Religious Freedom (USCIRF). Basically it was a generous 'service' provided by 'The Hindu' to 'USCIRF', the sole objective of which was attracting the attention of Indian Government, seeking an invite for USCIRF Team to visit India and for The Hindu to continue target Prime Minister Mr. Modi.

This kind of 'Slave-Journalism' practiced by The Hindu is not something new and it can be better understood given Kasturi & Sons announces Voluntary Retirement Scheme to its employees with 40+ years of age and 10+ years of service.

“This initiative is consistent with our commitment to ensuring a performance-oriented culture within KSL,” the statement said.” (Again, smart use of English there – please read it as “Cost Cutting” in crude & honest English)

Clearly coffers are drying up after the change of UPA Government at Centre and hence all the more reasons to resort to these extra-curricular activities in journalism called as 'Paid News' -
"It’s not that everything is bad, but on the core issues of the idea of India, on secularism, he does not respect the cultures of others"

Coming back to USCIRF.

Quoting from “Message from the Chair':

Dr. Katrina Lantos Swett, Chair
“USCIRF is an independent, bipartisan, federal body created through the enactment of the International Religious Freedom Act of 1998 (IRFA). Our Commission uses international standards to monitor the conditions abroad of religious freedom or belief and makes recommendations to the President, Secretary of State and Congress to enhance this precious right.”

There is a reason why I 'flag' this text here as we will revisit this at the end of the post.

So who actually constitutes the USCIRF?

There are these 'Super-Nine' Commissioners who head operations at this organisation. To understand the core, it is very important to have them listed here with their micro-profiles (for a more detailed profile, please follow their individual pages linked to respective names) – Emphasis with Links is mine:

Commissioners at USCIRF
Dr. Katrina Lantos Swett, Chair: As President and CEO, the Lantos Foundation has quickly become a distinguished and respected voice on many key human rights concerns ranging from rule of law in Russia and Internet freedom in closed societies to the on-going threat of anti-Semitism and Holocaust denial.
Dr. Robert P. George, Vice Chair: McCormick Professor of Jurisprudence and Director of the James Madison Program in American Ideals and Institutions at Princeton University.
Dr. James J. Zogby, Vice Chair: Founder and president of the Arab American Institute (AAI), a Washington, D.C.-based organization which serves as the political and policy research arm of the Arab American community. Appointed by: Barack Obama.
Dr. M. Zuhdi Jasser, Commissioner: President of the American Islamic Forum for Democracy (AIFD) based in Phoenix, Arizona. A devout Muslim, he and his family have strong ties to the American Muslim community having helped lead mosques in Wisconsin, Arkansas, Virginia and Arizona.
Professor Mary Ann Glendon, Commissioner: Former U.S. Ambassador to the Holy See. Has represented the Holy See at various conferences including the 1995 U.N. Women’s conference in Beijing where she headed the Vatican delegation.
Dean Eric P. Schwartz, Commissioner: Was Washington Director of the human rights organization Asia Watch (now known as Human Rights Watch-Asia). From 2006 through 2009, he directed the Connect U.S. Fund, a multi-foundation – NGO collaborative seeking to promote responsible U.S. engagement overseas, and which included the Hewlett Foundation, the Rockefeller Brothers Fund, the Open Society Institute, the Ford Foundation, the Atlantic Philanthropies and the Mott Foundation. Appointed by: Barack Obama.
Dr. Daniel I. Mark, Commissioner: An assistant professor of political science at Villanova University, ... He also works with the Tikvah Fund in New York and has taught at the Straus Center for Torah and Western Thought at Yeshiva University.
Rev. Thomas J. Reese, S.J., Commissioner: Entered the Jesuits in 1962 and was ordained in 1974. A Senior Analyst for the National Catholic Reporter, a position he has held since 2014. Appointed by: Barack Obama.
Hannah Rosenthal, Commissioner: CEO and president of the Milwaukee Jewish Federation.

That was quite an introduction of a highly decorated 'Band-of-9 Commissioners' fighting for 'International Religious Freedom'. Of course, they are well educated and am sure must be highly competent at their jobs.

***

Now having looked at the current Orientation, and in order to have a more balanced view & clear understanding of what actually USCIRF represents, stands & fights for, let us now briefly go through the past Commissioners as well. Former Commissioners are listed here. Let us review & sample some of these fine people who fought so hard for this noble cause of 'International Religious Freedom' across the world over all these years, since 1999 (emphasis is mine):

Dr. Khaled M. Abou El Fadl: Commissioner 2003-2007, Professor of Law at the University of California, Los Angeles, was appointed by President George W. Bush.

Dr. Laila Al-Marayati: Commissioner 1999-2001 A physician, past president of the Muslim Women's League. She was appointed by President Bill Clinton.

Most Reverend Charles J. Chaput: Commissioner 2003-2007 Rev. Chaput, the Archbishop of Denver, was appointed by President George W. Bush.

Imam Talal Y. Eid: Commissioner 2007-2011 President George W. Bush appointed Imam Eid to the Commission in 2007. He is Founder and Executive/Religious Director of the Islamic Institute of Boston.

Dr. Azizah al-Hibri: Commissioner 2011-2013, President Barack Obama appointed Dr. al-Hibri in 2011 to the Commission. Dr. al-Hibri is a Professor, Emerita at the T.C. Williams School of Law, University of Richmond. She is also founder and chair of Karamah: Muslim Women Lawyers for Human Rights.

Cardinal Theodore McCarrick: Commissioner 1999-2001 Cardinal McCarrick, who was the Cardinal of Newark, New Jersey, and became Archbishop of Washington. He is now Archbishop Emeritus of Washington.

Most Reverend William Francis Murphy: Commissioner 2001-2003 Appointed by President George W. Bush, Bishop Murphy was Bishop of the Diocese of Rockville Centre, New York, while he served on the Commission.

Most Reverend Ricardo Ramirez: Commissioner 2003-2007 Rev. Ramirez, the Bishop of Las Cruces, New Mexico.

Leila Nadya Sadat: Commissioner 2001-2003 A professor of law at Washington University School of Law, in St. Louis, Ms. Sadat was appointed by then-House Minority Leader Richard Gephardt.

Dr. Shirin Raziuddin Tahir-Kheli: Commissioner 2001-2003, appointed to the Commission by President George W. Bush.

Preeta Bansal: Commissioner 2003-2009, Commission Chair 2004-2005, Commission Vice Chair 2007-2008. Preeta Bansal is HSBC Holdings’ global general counsel for litigation and regulatory affairs.

***

Here is what some say about the appointments of Commissioners at USCIRF by the POTUS:

Obama Appoints a Jesuit to Commission on Religious Freedom


Obama Appoints Jesuit

"If you know anything about Jesuits, you know they are the enemy of any religious freedom. "

***

OBSERVATIONS: Having gone through & screened each and every name of all the past & present Commissioners of USCIRF and their respective profiles, we can firmly conclude as follows:
  1. The constitution & selection of Commissioners at USCIRF is highly twisted and blatantly discriminated against every religion other than Abrahamic religions - Christianity, Judaism and a bit of Islam.
  2. Basically it is the Judeo-Christian orientation at the helm that actually monitors 'International Religious Freedom'.
  3. A token representation from Muslims is practiced, probably due to geo-political considerations, whereby Imams and Islamic scholars are directly inducted & appointed by none other than the President of USA.
  4. USCIRF Mandate: Only the Abrahamic religions that are supposed to be under threat, must be protected and allowed to be practiced FREE from interference by World-politics & Societies.
  5. All other religions and faiths (Dharmic & non-Abrahamic) are not even worth the trouble, since members from any of these Faiths and Religions have never made it as Commissioners at USCIRF.
  6. The only Hindu name of Preeta Bansal noticed in the long list of past Commissioners comes from the corporate background - HSBC Holdings, nothing to do with her Religious or Ethnic background or concerns. Incidentally, as Commissioner (Chair) in 2005, on behalf of USCIRF, Preeta Bansal had opposed the visit of Narendra Modi to USA.
  7. Hindu American Foundation (HAF): There has never been a member from Hindu religious community as Commissioner at USCIRF. HAF represents the Hindu American diaspora in USA, having its offices right there in Washington, since its inception in 2003.
Let us now go back to read the fine Message from the Chair again: introduction of USCIRF and the words used there seem to lose their meaning completely and they sound so hollow and misleading – words like:
“independent, bipartisan, federal body,...
...monitor the conditions abroad of religious freedom or belief ...”

There is an ocean of atrocious literature in the form of Annual Reports on India but that is all that, 'atrocity literature' : anti-India and anti-Hindu to the core.

‘We were denied visa by India’

HT Political Bureau,
Hindustan Times, New Delhi| Updated: Jun 19, 2009 01:34 IST

Since 2001, USCIRF has been desperately trying to make attempts at visiting India but both NDA & UPA Governments have consistently denied Travel Visa to the Team of USCIRF.

In the absence of a Visa to visit India, USCIRF have no other option but to employ, fund, cultivate and seek the help of various anti-India organisations, groups and people, from India – mostly Evangelist NGOs, Human Rights Advocacy groups and 'Paid-Media', to build up reams of atrocity literature year-on-year. Some of the past performers from India at the theatres of USCIRF are:

Kamal Mitra Chenoy (Picture Credit: India Facts)

John Dayal (Picture Credit: India Facts)


***

Finally, in order to understand as to why Obama makes strong pitch for religious freedom amid 'ghar wapsi' backdrop almost at the end of his fabulous India trip, I refer to the “Message from the Chair” once again; that includes “makes recommendations to the President, Secretary of State and Congress to enhance this precious right.”

CONCLUSION



It is none other than the USCIRF, a bunch of Commissioners from Abrahamic religious faith and background, who actually advice the President of United States of America on matters relating to International Diplomacy, Policy & Security under the garb of 'International Religious Freedom'.

Recommendations to USCIRF:
  1. Stop fooling the world in the name of 'International Religious Freedom' (IRF) and change the name of your Commission to something like “United States Commission on Protection of Judeo-Christian Faith” - USCPJCF.
  2. Stay clear of India – Christians and Muslims of India are Indians first. We have our own internal problems but we do know how to protect our religious and cultural diversity. Idea of India is not about Uniformity but about “Peaceful Co-existence”.
  3. India & its people have understood your corrupt practices, funding patterns in the name of Social Service, Environment & Human Rights advocacy.

Saturday, March 14, 2015

Allow us to visit India: U.S. panel on religious freedom


This post is triggered by a story in today's The Hindu:

Allow us to visit India: U.S. panel on religious freedom

BY: NARAYAN LAKSHMAN
WASHINGTON, March 14, 2015

The report starts with a very catchy & popular 'tagline':
“Not all questions have been fully answered about Gujarat events: Katrina Lantos-Swett”
The story goes on to say:
Under her leadership and Congressional mandate, the USCIRF continues to produce an annual report on the state of religious freedom worldwide, which in years past had designated India as a “Tier II” or “watch-list” country.”
And Further, (emphasis is mine):
She also addressed the question of what the U.S. administration’s view on the role of Mr. Modi in improving religious tolerance in India was, and whether Washington’s view had changed on the allegations linking Mr. Modi to the 2002 anti-Muslim pogrom in Gujarat.”
Read again, “allegations linking Mr. Modi to the 2002 anti-Muslim pogrom in Gujarat”. This whole paragraph (44 words & 264 Characters) fails to clearly indicate the position of USCIRF but the smart author grabs the very first opportunity & manages to plug the keyword, Twice - Mr. Modi. Ensures that this news report will never miss attention and on the contrary will catch millions of eyeballs as it contains smart 'keywords' like:
'Questions', 'Gujarat Events', 'role of Mr. Modi', '2002 anti-Muslim pogrom' etc 
So, all in all, a very Smart report filed by some NARAYAN LAKSHMAN from Washington.

Then, the news report even quotes a link at the end that points towards a detailed interview. The title, as always, must be 'catchy' so here it goes:

"Arc of justice is long" for 2002 Gujarat riot victims: Lantos-Swett


The interview, let me save the unnecessary details here and put it very bluntly - is a SHAM. 
Don't even bother reading the full interview. 
Sample these Pearls of Questions from the 'Telephone Interview' (emphasis is mine):
  1. Has USCIRF come under pressure from the White House so far as expressing its views on Modi and religious freedom in India are concerned?
  2. What is USCIRF’s view on religious freedom in India under Modi, i.e. since he became the Prime Minister?
  3. Does Mr. Modi’s silence on minority religious rights exonerate him of all anti-minority sentiment and activities of Hindu fundamentalist groups?
  4. Although Mr. Modi is now able to travel to the U.S. on his A1 visa as a head of government, does the ban earlier imposed still stand? So, for example, would it continue to be in effect the day after he demits office?
  5. Related to that, on the broader question of the 2002 anti-Muslim pogrom in Gujarat – what is the U.S. thinking on the allegations that Mr. Modi bears some responsibility?
  6. Was your last request made to the Modi government?
It is quite clear and apparent from the above stupid questions asked in the 'telephone' interview that this guy is a slave-journalist. Also note that this guy lives in Washington DC, the esteemed offices of USCIRF are also located here, but he prefers to carry out his 'journalistic duties' over Telephone, from the luxuries of his 'Home Office'. He had nothing else other than Mr. Modi on his agenda. Here in India, we call it a 'Hit-Job', Mr. NARAYAN LAKSHMAN.

NARAYAN LAKSHMAN has duly earned & secured his place in Washington DC for a few more years and probably found a sponsor as well.

So who actually is NARAYAN LAKSHMAN? Well, as per the details that emerge from a 1-minute Google Search, it is clear that he is very much from the Family, yes 'The Hindu' Family. He is the 'nephew' of none other than – the one and only - 'Hey Ram' !!


In one of the news reports titled: The Hindu family war may become legal battle, noticed these interesting items:
“Then there is the issue of the new appointments. Under central government rules, a decision to include a family member in the organisation with a remuneration of more than Rs 50,000 a month requires the clearance of the central government. There are charges that Lakshman and Vidya were sent to their locations before the clearances came.”
“Some of the board members also seem to have raised questions on the appointment of Ram’s daughter Vidya as the London correspondent and nephew Narayan Lakshman as the Washington correspondent of The Hindu.”
So much for the 'Family Business' of The Hindu.

Further, in this below screen shot from the Twitter TL of NARAYAN LAKSHMAN, the Young Family Scion of Kasturi & Sons proudly showcases his body of work - watch the hashtags used even here: 

#Modi  #Gujarat2002  #Hindutva : Get the picture, now?



This is not an isolated case and also not a co-incident right after the blockbuster world premier of “India's Daughter”. These are schematically and cleverly placed agendas, brilliantly linked and networked, and they always find a 'slave-like' media partner from India to ride on. 


While it was NDTV that offered its services for “India's Daughter” project, this time around for placing an invite request (Allow us to visit India) the print category is used - the same Family – The Hindu.

On another interesting note, I just noticed 'comments moderation' policy of The Hindu:
1. Comments will be moderated by The Hindu editorial team.
2. Comments that are abusive, personal, incendiary or irrelevant cannot be published.
3. Please write complete sentences. Do not type comments in all capital letters, or in all lower case letters, or using abbreviated text. (example: u cannot substitute for you, d is not 'the', n is not 'and').
4. We may remove hyperlinks within comments.
5. Please use a genuine email ID and provide your name, to avoid rejection.

One could spend a life trying to follow all of the above before posting a quick comment, only to be blocked out for the comment not approved by the Editorial Team (read Family) for any of the above five reasons. This is the level of FOE for a paper that talks about Religious Freedom & Human Rights.


USCIRF – Yes, we will try to analyse this monster in the next post, so stay tuned !!

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