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Creative Guidance: Book Review – Awareness – Anthony De Mello

Awareness - Anthony De Mello: Awareness is a beautiful and thought provoking book about the nature of reality within and around us. Anthony De Mello has written this engaging book to help us understand the real meaning of awareness and what we have to do get ourselves back to the present moment. We are all sleep-walking. More often than not we are simply lost in our thoughts. We are rarely in the present moment. Awareness is a call to wake up to our inner reality. It is also a reminder of who we really are. Mankind has been asleep for a very long time. This book is a call for awakening. Throughout history, great minds have always spoken about the importance of being in the moment and practices that can help us to do it. Meditation, Mindfulness and other spiritual practices are all about learning how to be in the present moment. Anthony helps us to understand all this in a unique and characteristic style of his. Pick up this book if you want to understand more about your inner life. This will be a good introduction to understanding yourself better. The book offers a breezy read, and at the same time helps you to think deeper about the situation of life and how to understand it. All we are missing in this world is Awareness.

Daily Prelims CA Quiz

UPSC Quiz- 2019 : IASbaba’s Daily Current Affairs Quiz [Day 95]

UPSC Quiz- 2019 : IASbaba’s Daily Current Affairs Quiz [Day 95] Archives Q.1) ‘Bangaram Island’ was in news recently. Where is it located? Lakshadweep Goa Odisha West Bengal Q.2) What is ‘Hiyang Tannaba’? A traditional boat race of Manipur Martial Art of Arunachal Pradesh Colourful Motifs done with hands and paint made of rice and flour on auspicious occasions in Mizoram. An instrument played by Buddhist Monks Q.3) Consider the following statements with respect to ‘Bala Bodhisattva’ It was found in Sarnath in early 1900s The inscription on it states that Kanishka I had several kshatrapas under his commands in order to rule his vast territory Select the correct statements 1 Only 2 Only Both 1 and 2 Neither 1 nor 2 Q.4) ‘Gandikota Gorge’ is formed by which of the following rivers? Brahmaputra Godavari Pennar Krishna Q.5) Consider the following statements with respect to ‘Hiuen Tsang’ He was known as ‘Prince of Pilgrims’ He travelled India during the reign of Chandra Gupta II Choose the appropriate code 1 Only 2 Only Both 1 and 2 Neither 1 nor 2 To Download the Solution - Click here All the Best  IASbaba

IASbaba's Daily Current Affairs [Prelims + Mains Focus] - 25th October 2018

IASbaba's Daily Current Affairs (Prelims + Mains Focus)- 25th October 2018 Archives (PRELIMS + MAINS FOCUS) Centre sets up GoM on sexual harassment Part of: GS Prelims and Mains II – Social/Women issue; Polity In news: The Centre established a Group of Ministers to recommend measures to effectively implement the law against sexual harassment at the workplace and to strengthen the legal and institutional framework in response to the #MeToo campaign. The GoM to come up with a comprehensive plan within three months and devise ways to ensure its time-bound implementation. Earlier, the Centre had set up a panel of legal luminaries, recommended by Ms. Gandhi on the lines of the Justice Verma Committee, to do the above task. (However, now that panel has been quietly junked and task is transferred to GoM) Important Value Additions What is "Groups of Ministers (GoMs)" in relation to Indian Polity? Group of Ministers (GoM) are ad hoc bodies or inter-Ministerial panel formed to give recommendations to the cabinet on certain emergent issues and critical problem areas. During the UPA regime (from past two decades), the institution of GoMs had become a viable and effective instrument of coordination among the ministries. Ministers heading the concerned ministries were inducted into the relevant GoMs and when the advice is crystallised they were disbanded. The system of GoMs was intended to operate as a single window clearance on crucial issues related to various ministries with the objective of expediting policy making and good governance. Do you know? Both Group of Ministers (GoMs) and Empowered GoMs (EGoMs) get appointed under the Government of India’s Transaction of Business Rules 1961, which at para 6 (4) provides that ‘Ad hoc Committees of Ministers including Group of Ministers may be appointed by the Cabinet, the Standing Committees of the Cabinet or by the Prime Minister for investigating and reporting to the Cabinet on such matters as may be specified, and, if so authorised by the Cabinet, Standing Committees of the Cabinet or the Prime Minister, for taking decisions on such matters.’ Panel on sustainable development goals Part of: GS Prelims and Mains II – Governance; Issues relating to development and management of Social services In news: The Cabinet approved the setting up of a high-level steering committee chaired by the Chief Statistician of India and Secretary to the Ministry of Statistics and Programme Implementation to review if India was on track to achieving the United Nations Sustainable Development Goals (SDG). The panel would decide if there was a need to “refine” indicators by reviewing the National Indicator Framework periodically. The committee would recommend measures to “mainstream” SDGs into ongoing national policies, programmes and strategic action plans to address the developmental challenges. About SDG The SDGs are a list of 17 goals, including elimination of poverty, ending hunger, ensuring provision of quality education, clean water and sanitation, that countries must achieve by 2030. Indian Institutes of Skills: Skill development centres on PPP Model Part of: GS Prelims and Mains II – Skill development; Education, Human Resources development ; Government schemes and policies In news: Government approves scheme for setting up Indian Institute of Skills The Centre has decided to set up skill development institutes on government land, in partnership with private players, across the country. The public-private partnership model will be adopted to set up the institutes — to be called the Indian Institutes of Skills — at select locations, based on demand and available infrastructure. The institutes are expected to help boost the global competitiveness of key industry sectors by providing high-quality skill training, applied research education and a direct and meaningful connection with the industry. Do you know? Prime Minister Narendra Modi had laid foundation stone of the country’s first Indian Institute of Skills (IIS) in Kanpur, Uttar Pradesh to make India the Skill Capital of the World. About Indian Institute of Skills (IIS) The IIS is being opened by the Union Skill Development Ministry in partnership with the Institute of Technical Education, Singapore. The idea of IIS was conceptualised by PM Modi during his visit to Singapore’s Institute of Technical Education. Its primary objective is to empower India’s youth to be more employable and self-sustainable. The Union Skill Development Ministry has planned to set up six such institutes across country in coming years. SC to ban sale of BS-IV vehicles from 2020 Part of: GS Prelims and Mains III – Environmental concerns; Pollution In news: The Supreme Court banned the sale and registration of motor vehicles conforming to the emission standard Bharat Stage-IV in the entire country from April 1, 2020. It said - ‘No compromise on public health’ The country will have to shift to the cleaner Bharat- VI fuel from April 1, 2020. About Bharat Stage (BS) emission norms BS norms are standards instituted by the government to regulate output of air pollutants from motor vehicles. Do you know? The BS-IV norms have been enforced across the country since April 2017. In 2016, the Centre had announced that the country would skip the BS-V norms altogether and adopt BS-VI norms by 2020. Centre’s nod for ₹7,522 cr. fisheries fund Part of: GS Prelims and Mains II and III - Welfare schemes for vulnerable sections; Infrastructure; Fisheries and Aquaculture In news: The Centre has set up a ₹7,522-crore fund to create infrastructure facilities for the fisheries sector. The move is expected to boost annual fish production to 20 million tonnes by 2022-23 from the current production of 11.4 million tonnes. Fisheries and Aquaculture Infrastructure Development Fund (FIDF) The establishment of the FIDF was approved by the Cabinet Committee on Economic Affairs. National Bank for Agriculture and Rural Development (NABARD), National Cooperatives Development Corporation (NCDC) and all scheduled Banks (hereinafter referred as Banks) shall be the nodal Loaning Entities. Benefits: Creation of fisheries infrastructure facilities both in marine and inland fisheries sectors. To augment fish production to achieve its target of 15 million tonne by 2020 set under the Blue Revolution; and to achieve a sustainable growth of 8% -9% thereafter to reach the fish production to the level of about 20 MMT by 2022-23. Employment opportunities to over 9.40 lakh fishers/fishermen/fisherfolk and other entrepreneurs in fishing and allied activities. To attract private investment in creation and management of fisheries infrastructure facilities. Adoption of new technologies. Do you know? Under FIDF, loan lending will be over a period of five years from 2018-19 to 2022-23 and maximum repayment will be over a period of 12 years inclusive of moratorium of two years on repayment of principal. Israel, India sign $777 mn missile deal Part of: GS Prelims and Mains II and III – International relations; India and the world; Defence In news: India and Israel has signed a $777 mn deal Israel Aerospace Industries (IAI) to supply additional Barak-8 Long Range Surface to Air Missile (LRSAM) systems for seven warships of the Indian Navy. The LRSAM can intercept aerial targets up to a range of 80 km. It is being co-developed by the DRDO in India and IAI, and will be manufactured by Bharat Dynamics Limited. (MAINS FOCUS) NATIONAL TOPIC:General studies 3 Defence and security Science and technology; Indigenisation of technologies At digital war Introduction Indian Prime minister has a vision of a Digital Armed Force. Importance of dominating the cyber space is increasing. He also emphasised on the role of the services in encouraging the development of domestic capabilities. Progress in cyber space The government has sanctioned the raising of a cyber agency that will steer the planning and conduct of cyber warfare in the military. Once the doctrine has matured, the cyber agency will be expanded to a much-needed cyber command. Building domestic capability for the manufacture of sophisticated weapons and equipment is a major challenge. Despite Indian products being available, a concerted effort to use indigenous solutions is conspicuously absent, with the Army being the most laggard in this regard. A case study The existence of the PRISM programme, under which the United States National Security Agency (NSA) collected data from internet communications. Leaked documents showed the very close involvement of US technology companies like Microsoft, Google, Yahoo, Facebook and Apple in the programme. According to the documents, the NSA was collecting data directly from the servers of US service providers. Further revelations, disclosed by The Guardian showed that Microsoft had actively helped the NSA to circumvent its own encryption of web chats. America is not the only country that uses these practices. A recent Bloomberg report pointed out that China’s intelligence services had ordered subcontractors in China to plant malicious chips in Supermicro server motherboards bound for the US. Many countries have moved to restrict foreign products from use in critical networks. Examples of such ban are China and US banning each other's products. India seems to be unaware of the vulnerabilities that exist in our critical networks due to foreign hardware and software. Hardware and software in Indian armed forces Despite Huawei being probed for hacking a BSNL network in 2014, over 60 per cent of software and hardware being used by BSNL is sourced from either Huawei or ZTE. Even Australia, with a billion lesser population than India, has banned Huawei from supplying equipment for 5G mobile network, citing national security risks. The Air Force Network (AFNET) was launched in 2010. Present on that occasion was the Cisco country head because his company was a major supplier of equipment for AFNET. The army’s latest communication backbone, Network for Spectrum (NFS), also uses Cisco equipment. The Indian Army mostly uses the Microsoft Windows operating system on its official computers. Windows is an outstanding system but is a closed-source software owned by a company that is bound by US laws and historically tied to the American intelligence community. India is a prime target for American spying; in the overall list of countries targeted by PRISM, India stood at the fifth place. An indigenous experiment: BOSS In 2015, the Northern Command of the army decided to adopt the Bharat Operating System Solutions (BOSS) for all its official computers. BOSS is an indigenously developed open-source system by the Centre for Development of Advanced Computing (CDAC). CDAC is the R&D; organisation of the Ministry of Electronics and Information Technology. At the start, there were many teething problems. The user-friendliness of Windows could not be replicated and re-training of a generation that had grown up with Windows was not easy. They were convinced that national security cannot be subordinated to the ease of making a PowerPoint presentation. Three years later, the army is still debating the merits of BOSS, and the arguments are still centred on simplicity of usage, not security of networks. Instead of supporting BOSS, there is a push to return to Windows. Despite the clear dangers in cyber space, we remain inexorably tied to past practices and show little desire to make changes that are essential to protect our national interests. Conclusion The Indian military should take the lead in indigenising its IT infrastructure. A policy decision to indigenise our cyber space will have greater and more far reaching national security implications. Connecting the dots: To win the cyber space face-offs, India should indigenise the IT infrastructure of the military, soon. Comment. NATIONAL TOPIC:General studies 3 Indian economy Banking and NBFCs Liquidity squeeze hurts NBFCs Introduction Recently, shares of non-banking financial companies (NBFCs) have witnessed a steep fall in recent weeks after concerns over whether they can successfully meet their short-term dues. Housing finance companies (HFCs) in particular were worst affected. The current crisis began with the default of Infrastructure Leasing and Financial Services (IL&F;) on several of its dues last month. The Union government subsequently decided to step in and assure lenders to the company that their money would be paid back safely without any default. DO you know? NBFC A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other business institutions. It does not include any institution whose principal business is that of agriculture activity, industrial activity, purchase or sale of any goods or providing any services and activities related to immovable property. A non-banking institution which is a company and has principal business of receiving deposits under any scheme or arrangement in one lump sum or in instalments by way of contributions or in any other manner, is also a non-banking financial company (Residuary non-banking company). NBFCs lend and make investments and hence their activities are similar to that of banks; however there are a few differences as given below: NBFC cannot accept demand deposits; NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself; Deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to depositors of NBFCs, unlike in case of banks. For more about NBFCs frequently asked questions on NBFCs How did they get into trouble? Many NBFCs use short-term loans borrowed from the money market to extend long-term loans to their customers. This leads to a mismatch in the duration of their assets and liabilities and exposes NBFCs to the substantial risk of being unable to pay back their lenders on time. NBFCs usually resort to rolling over, or refinancing, their old short-term debt with new short-term debt to compensate for the mismatch in duration. But even though NBFCs usually manage to roll over their short-term debt smoothly, there are times when they may fail to do so. Such risk is high particularly during times of crisis when lenders are affected by fear. In such cases, they may have to resort to sale of their assets at distress prices to meet their dues. This can turn a liquidity crisis into a more serious solvency crisis, wherein the total value of the assets of a company falls below the value of its total liabilities. Further, NBFCs also face the risk of having to pay higher interest rates each time they refinance their short-term debt. As interest rates rise across the globe, equity investors believe that the cost of borrowing of NBFCs will rise and affect their profit margins. Investors may be pricing in the prospect of falling profits for NBFCs in the coming quarters. Way forward It is hoped that banks will offer a helping hand to NBFCs to meet their short-term dues to lenders like mutual funds. Many further believe that a widespread financial panic may not be on the cards as the government will act as a lender of last resort. Such bailouts create the risk of moral hazard in the wider financial system. NBFCs, for instance, may continue to borrow short-term to extend long-term loans to their customers because they expect the government to bail them out if they get into trouble. In fact, some believe that financial institutions in general have traditionally resorted to borrowing short-term to finance long-term loans simply because there is an implicit guarantee extended by the government. As the cost of borrowing funds rises, NBFCs may have to settle for lower profits unless they find a way to pass the burden of higher rates on to borrowers. Connecting the dots: What are NBFCs? Explain their role in stability of Indian economy. (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Note: Featured Comments and comments Up-voted by IASbaba are the “correct answers”. IASbaba App users – Team IASbaba will provide correct answers in comment section. Kindly refer to it and update your answers. Q.1) Consider the following statements with regard to Group of Ministers (GoMs): GoMs are ad hoc bodies formed to give recommendations to the cabinet on certain emergent issues and critical problem areas. GoMs get appointed under the Government of India’s Transaction of Business Rules 1961. Which of the statements given above is/are correct? 1 only 2 only Both 1 and 2 None Q.2) The United Nations General Assembly formally adopted the "universal, integrated and transformative" 2030 Agenda for Sustainable Development, a set of 17 Sustainable Development Goals (SDGs). Identify the correct goals Gender Inequality Affordable and clean energy Combat desertification End of nuclear energy Clean water and sanitation Food security Select the correct code 1, 2, 3, 4, 5 and 6 2, 3, 5 and 6 1, 2, 3, 5 and 6 1, 2, 3, 4 and 5 Q.3) With regard to Sustainable Development Goals (SDGs) consider the following statements: These are also known as "Transforming our World: the 2030 Agenda for Sustainable Development". The SDGs build on the principles agreed upon in entitled "The Future We Want". Which of the above statements is/are correct? 1 only 2 only Both 1 and 2 None Q.4) National Skill development Fund and National Skill development Corporation have been set up by Ministry of Finance Ministry of Skill development Ministry of Commerce Ministry of MSME Q.5) Which of the following can reduce the Urban Heat Island (UHI) effect? Use of light-colored concrete and white roofs. Planting trees in cities. Implementation of Bharat Stage VI. Implementation of Energy Conservation Building Code Select the correct answer using the codes given below. 1, 2 and 4 only 2, 3 and 4 only 1, 3 and 4 only All the above Q.6) Which of the following emissions get regulated under Bharat stage VI? Carbon dioxide Hydro carbons Nitrogen oxides Particulate Matter Select the correct answer using the code given below: 1, 2, 3 and 4 1 and 4 1, 2 and 3 2, 3 and 4 Q.7)  Consider the following statements with regard to Bharat stage emission standards (BSES) The standards and the timeline for implementation are set by Central Pollution Control Board India will be skipping BS-V and directly move to BS-VI from BS-IV Which of the following statements is/are correct? 1 Only 2 Only Both 1 and 2 Neither 1 nor 2 Q.8) Long Range Surface to Air Missile recently handed over to Indian Navy is Jointly covered by India and Russia Jointly covered by India and Japan Jointly covered by India and USA Jointly covered by India and Israel MUST READ An ‘anti-national’ regulation The Hindu A city terrorised out of character The Hindu At digital war Indian Express The Allahabad in Prayagraj Indian Express Why arms control is doomed to failure Livemint How to successfully set a minimum wage in India Livemint

IASbaba's Daily Current Affairs [Prelims + Mains Focus] - 24th October 2018

IASbaba's Daily Current Affairs (Prelims + Mains Focus)- 24th October 2018 Archives (PRELIMS + MAINS FOCUS) SC moves to make festivals less noisy Part of: GS Mains II and III – Health issue; Pollution; Environmental concerns In news: The article deals with right to public health. Supreme Court held that only green or improved crackers would be used during religious festivals and other occasions, including weddings. It has fixed time limit - for bursting crackers during Deepavali and other festivals to two hours: between 8 p.m. and 10 p.m. For Christmas and New Year, the time slot allowed is half-an-hour, between 11.55 p.m. and half-past midnight. CPCB (Central Pollution Control Board) and PESO to make collaborative efforts for setting up of standards with regard to air pollution caused by the bursting of fire-crackers. The judgment said though the right to health was part of the fundamental right to life under Article 21 and assumed “greater importance,” the “endeavour” of the court right now was to strive for a balance between the right to public health and the right to occupation of the industry. Pic: https://d39gegkjaqduz9.cloudfront.net/TH/2018/10/24/DEL/Delhi/TH/5_01/298c4cf2_2478571_101_mr.jpg Important Value Additions: About Petroleum and Explosives Safety Organisation (PESO) PESO is the apex department to control and administer manufacture, storage, transport and handling of explosives, petroleum, compressed gases and other hazardous substances in India. It functions under the Department of Industrial Policy and Promotion (DIPP), Ministry of Commerce and Industry. It is headed by Chief Controller of Explosives It is headquartered at Nagpur, Maharashtra. It is responsible for the administration of a host of laws pertaining to the regulation of explosives. These include the Explosives Act, 1884; the Inflammable Substances Act, 1952 and the Explosives Rules, 2008. The PESO has been testing samples of crackers only for adherence to the sound limit of 125 decibels at a distance of four meters. Direct tax base widens sharply over 4 years, compliance rises Part of: Prelims and mains GS III – Indian economy: Tax base In News: Pic: https://d39gegkjaqduz9.cloudfront.net/TH/2018/10/23/DEL/Delhi/TH/5_13/3cc19cae_2476327_101_mr.jpg The direct tax base has significantly widened in the last few years, according to new back series data released by the government. The data showed a growth of more than 80% in the number of returns filed in the last four financial years from 3.79 crore in financial year (FY) 2013­14 to 6.85 crore in FY 2017­18. Further, the number of persons filing income tax returns also increased by about 65% during this period from 3.31 crore in FY 2013­14 to 5.44 crore in FY 2017­18. The data is showing higher level of compliance resulting from various legislative and administrative measures taken by the government, including effective enforcement measures against tax evasion. The data also showed that the direct tax­GDP ratio rose to 5.98% in FY 2017­18, the highest it has been in the last 10 years. Some of the measures One, the effect of demonetization. Two, the increase in the use of information being collected digitally and being used by the tax department. Three, the movement towards digital assessment and decrease in the number of cases being picked up for scrutiny, and Four, the ease of getting refund, majorly by small and medium taxpayers. Xi opens world’s longest sea bridge Part of: GS Prelims and Mains II – International affairs In news: Chinese President Xi Jinping inaugurated a 55-km bridge that will deepen the integration of Hong Kong and Macao with the rest of China. The world’s longest sea-crossing bridge will be at the heart of an integrated Greater Bay Area (GBA) covering 11 major neighbouring cities, which include Hong Kong, Macao, Guangzhou and Shenzhen. The giant GBA is expected to rival the San Francisco Bay Area of the U.S., as well as the Tokyo Bay Area of Japan. Mission Antyodaya Part of: GS Prelims and Mains II – Rural development; Government schemes and Policies About Mission Antyodaya Mission Antyodaya is a convergence framework for measurable effective outcomes on parameters that transform lives and livelihoods. ‘Real Difference comes about through Convergence’ as it alone simultaneously addresses multi dimensions of poverty. Professionals, Institutions and Enterprises make it possible. Poverty Free India by 2022 WHY MISSION ANTYODAYA? Evidence of convergence reducing poverty, raising incomes – IRMA Study. ‘Communitization’ through Women SHGs improves education, health, nutrition indicators. Saturation approach creates many more ‘islands of success’ Leveraging Bank loans promotes an enterprise model. Many initiatives provide for universal coverage of the eligible beneficiaries – Ujwala, SBM, PMAY, Skills, Power, Roads, internet, Bank accounts. Integral positive co-relation among infrastructure, human development and sustainable economic well-being. 5000 islands of successful Rural Clusters over 1000 days will be transformational. Pic: https://d39gegkjaqduz9.cloudfront.net/TH/2018/10/24/CNI/Chennai/TH/5_11/627d9463_2477835_101_mr.jpg (MAINS FOCUS) INTERNATIONAL TOPIC: General studies 2 Bilateral, regional or global agreements involving India and or affecting India’s interests Effects of policies of developed or developing countries on India’s interests Outcomes versus promises Introduction Russian President's visit to Delhi, came just a month after the 2+2 Ministerial Dialogue between India and US. Both the events were historic in India’s diplomatic history. There are challenges ahead for India to maintain a balance between the relations with respect to her own interests. Summit versus dialogue The summit between the Indian Prime Minister and the Russian President is now an annual event, the protocol having been agreed upon by Mr. Putin and Manmohan Singh in 2005. Summits have often led to spectacular breakthroughs — in the 2009 meeting, the log-jam in the long pending sale to India of the Russian aircraft carrier, Gorshkov (since renamed Vikramaditya) could be resolved and, in the latest instance, the inking of the $5.4 billion S-400 Triumf missile defence system. The recent 2+2 Dialogue between India and the U.S., on the other hand, is a new concept. while it has been hailed as a path-breaking event paving the way for an avalanche of state-of-the art defence equipment from the U.S., the outcomes from this initial meet were clearly dwarfed by what took place during Mr. Putin’s visit. The 2+2 Dialogue — a format the U.S. employs with some of its closest allies including Japan and Australia — has given the impression that India has come within the U.S. orbit of influence, detaching itself further from Russia. This impression is further heightened by India signing on to the Communications Compatibility and Security Agreement (COMCASA) recently. On the other hand India still fancies a close relationship with Russia, one of its and most dependable allies. A comparison of the Russia-India summit outcome with the promises made during the 2+2 Dialogue can hardly be a true index of what lies in the future. The summit’s mega missile defence deal clearly took the shine off any promises made at the 2+2 Dialogue regarding future defence acquisitions from the U.S. Russia’s S-400 Triumf, possibly the best missile defence system in the world, comes with no strings attached. There is no Russian equivalent of the Countering America’s Adversaries Through Sanctions Act (CAATSA) in place. The S-400 Triumf can be deployed against all enemies, irrespective of any other defence choices that India might have. Russian steadfastness India and Russia signed on to a document to expand civil nuclear energy cooperation and agreed on a second site for Russian nuclear reactors. They signed a memorandum of understanding on a joint programme in the field of human space-flight, enabling Indian astronauts to be trained in Russia. They also agreed on the virtues of a regional security architecture to provide security to all countries in Asia and in the regions of the Pacific and Indian Oceans. This seemed to demonstrate a clear ‘mutuality of interests’. Significance of 2+2 dialogue The 2+2 Dialogue, for its part, marks a paradigmatic change in the nature of India-U.S. relations. It hence needs to be viewed, more appropriately, as the culmination of a long-standing attempt by the U.S. to woo India, something that has been in the works for some time. As a prelude to this, the U.S. had renamed the Asia-Pacific as the Indo-Pacific. It had blocked more than $1.5 billion in U.S. security aid to Pakistan, allotting a mere $150 million in 2019. S.-India economic cooperation was stated to have grown exponentially within two decades, with the total goods and services trade between India and U.S. increasing from $11.2 billion in 1995 to $126.2 billion in 2017. S. foreign direct investment into India substantially increased during this period. The most important bait was India being accorded the status of a ‘major defence partner’. The underlying theme of the 2+2 Dialogue aimed at forging a possible containment of China strategy, with India partnering the U.S. in this effort. The U.S., at present, perceives China as posing a major challenge to its supremacy, and ‘the most significant threat to U.S. interest from a counter-intelligence perspective’. Choices before India Differences in the outcomes of the Putin-Modi summit and the promises made in 2+2 dialogue are thus quite apparent. Russia was essentially seeking to cement a relationship with India that has existed for several years. It was not insisting on any exclusivity as far as relationships go. The U.S. wanted India to view foreign policy perspectives largely through a U.S. prism, and thereafter make a choice. Russia has already given a hint that it has the option of other choices, which might not exclude Pakistan. The situation is greatly complicated by the fact that the world today faces a post-Cold War situation. The rise of China’s economic power and its growing military might, and the re-emergence of Russia are significant pointers to this situation. The U.S., hence, no longer holds all the cards. Additionally, many existing precepts are undergoing changes. For example, the threat to the rules-based international order today comes as much from within existing democracies. India can hardly alienate Russia as it re-emerges as a key presence in Asia and Eurasia. Appearing to reject U.S. overtures, while the latter is seen making every effort to provide India with state-of-the art defence equipment, and acting in tandem with it in groupings such as the Quadrilateral, could prove short-sighted. India and China have differences on several issues, including problems at several points along the border between the two countries. There is also a subliminal struggle between them for the leadership of Asia. Nevertheless, neither India nor China appears ready for an open conflict as it would cost both countries dearly. India is also not unaware of a U.S. lack of resolve to actively resist China’s territorial expansion in the South China Sea, and in preventing China from expanding its naval activities in the IOR. The abortive U.S. “pivot to Asia” is a stark reminder of the limitation of U.S. capabilities today. Conclusion India needs to ponder deeply on what is in its best interests. It should not allow itself to be easily persuaded in the belief that democracies, by and large, offer better choices. It should not reject, without due consideration, what is in its best interest. Its decision needs to be dictated by the cold logic of circumstances. Strategic integrity and autonomy, and mature strategic judgment are required in a world where disruption is the order of the day. Connecting the dots: While Russia is seeking to cement its relationship with India, the U.S. wants India to make strategic choices. How India can balance her relations with both the countries, without compromising her own interests? POLLUTION/ENVIRONMENT TOPIC: General studies 3 Environment and ecology Pollution and degradation  Recycle and build Introduction The growing menace of construction and demolition (C&D) waste in Indian cities has harmful effects on environment and public health. The municipal corporations, municipalities and other urban local bodies have the crucial responsibilities in responding to the challenge of the rapidly growing volume of C&D waste in India. It is their duty to build awareness among waste generators for the common cause of clean, healthy and sustainable cities. Steps taken by respective governments C&D Waste Management Rules were notified by the Ministry of Environment, Forests and Climate Change in March 2016. For these to be translated into action, municipal corporations, municipalities and other urban local bodies need to prepare waste management plans, notify bye-laws with penalties for non-compliance, and put in place enforcement mechanisms. Facilitating the recycling of C&D waste has to be an important plank of the waste management plans. All this is still a work in progress and there is wide variation across cities. Waste generators must be made aware of the nature of the hazard posed by C&D waste as cooperation from the community is critical for the success of the efforts of urban local bodies. Hazards of C&D waste on environment and ecology C&D waste increases particulate matter in the air and leads to air pollution. Compared with municipal solid waste, it causes more traffic congestion and also pollution from dust. Water gets trapped in the debris, this becomes a breeding ground for mosquitoes and no amount of spraying can reach the hidden pockets of water. Lakes, stormwater drains, ponds and other water bodies get choked, the city becomes more vulnerable to floods. Dumping C&D waste in lakes for encroachment, a common practice in large cities, also results in loss of wetlands which are necessary for water purification. Way forward: Disposal and recycling Local bodies should begin with the first basic principle of waste management that unmixed discards can almost all be put to use. The deconstruction of buildings enables a much larger recovery of unmixed materials for reuse than mechanical demolition. According to a report, manual demolition by hammer and pickaxe is the norm in northern India, primarily due to the higher rates of reuse of building materials, especially good quality whole bricks, and the low wage rate. For example, Mumbai requires all debris from repairs to be brought down from upper floors only in used cement bags, not loose, and stacked for rapid removal. An example of citizen cooperation is how housing societies in Mumbai encourage this by providing used sacks for a small fee, which covers the cost of transporting the waste off-site. A proactive effort on the part of the municipalities is called for to keep C&D waste off the roads, pavements and vacant sites and encourage its transport to recycling units. Bengaluru, while giving sanction to building plans, also collects ground rent for the use of pavement for storing C&D materials for 1-2 years of construction. Such pavement use should be limited to 2-3 months or until completion of the first slab and thereafter progressive escalation of the ground rent should be explored, to discourage on-site stacking of construction materials. Municipalities must also remove unauthorised dumpsites on vacant land — public or private — while recovering the cost of transporting the waste to the recycling plants through a penalty from the owner. Property tax on unfenced vacant sites should be the same as the tax on a ground floor building on a similar plot area, and interest must be charged on tax dues. Backward and forward linkages need to be forged with all recycling plants so that C&D waste reaches the recycling plants and there is an effective demand for the output from these plants. Government construction works can set an example by using the recycled products as prescribed in Sec 9 (4) of C&D Waste Management Rules (2016). Reputed builders can also take a lead in this respect. Following international practice, it is important to set standards and have quality certification for the recycled materials so that more and more builders are encouraged to use these materials and contribute to the cause of sustainable urban development. Conclusion A proactive effort from municipalities and citizens towards recycling of construction and demolition waste will go a long way in curbing pollution. Connecting the dots: Rapid urbanisation, though a symbol of development, has grave footprints on the environment and ecology. Examine the concerns related to construction and demolition waste; also suggest some measures to contain it. (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Note: Featured Comments and comments Up-voted by IASbaba are the “correct answers”. IASbaba App users – Team IASbaba will provide correct answers in comment section. Kindly refer to it and update your answers. Q.1) Consider the following statements with regard to Ammonium Nitrate: It is not an explosive by itself. It is used as an ingredient for manufacture of explosives, anaesthetic gases, fertilizers, cold packs, etc. It is classified as an oxidizer as per UN classification for Dangerous Goods. Which of the statements given above is/are correct? 1 and 2 only 2 and 3 only 3 only 1, 2 and 3 Q.2) Consider the following statements about Petroleum and Explosives Safety Organization (PESO) The PESO has been testing samples of crackers for all types of pollutions. It functions under Ministry of Petroleum and Natural Gas. Which of the above statements is/are correct? 1 only 2 only Both 1 and 2 None Q.3) Consider the following statements with reference to taxation Higher direct taxes help in controlling Inflation in the economy Higher indirect taxes help in controlling the Inflation in the economy Which of the above statements is/are correct? 1 only 2 only Both 1 and 2 Neither 1 nor 2 Q.4) Which of the following are the Direct taxes in India? Customs duty Security Transaction Tax Capital Gains Tax Professional Tax Select the correct answer using the code given below: 1, 2 and 3 only 1, 3 and 4 only 2, 3 and 4 only 1, 2, 3 and 4 Q.5) With reference to India's tax system, consider the following statements: Indian tax system is progressive. Corporation tax is the largest contributor among the taxes. Which of the statements given above is/are true? 1 only 2 only Both 1 and 2 Neither 1 nor 2 Must Read  Outcomes versus promises The Hindu Churn in the Neighbourhood: Sri Lanka | President v PM v ex-President Indian Express  Policy paralysis Indian Express    India and the new face of globalization Livemint  Lessons from the Amritsar train accident Livemint

Daily Prelims CA Quiz

UPSC Quiz- 2019 : IASbaba’s Daily Current Affairs Quiz [Day 94]

UPSC Quiz- 2019 : IASbaba’s Daily Current Affairs Quiz [Day 94] Archives Q.1) ‘Druzhba’ is a joint military exercise between Russia and China Pakistan and Russia Pakistan and China India and Kazakhstan Q.2) ‘Sittwe Port’ is a deepwater port constructed by India. Where is it located? Myanmar Maldives Sri Lanka Seychelles Q.3) ‘Amitava Roy’ Committee is constituted to look into Prison Reforms Non-Performing Assets Cross Border Insolvency Railway Safety Q.4) ‘Iron Magic’ is a bilateral exercise between Israel and Jordan India and Israel US and Canada US and UAE Q.5) Islands Development Agency (IDA) is chaired by Union Home Minister Prime Minister Cabinet Secretary Union Minister of Environment, Forest and Climate Change To Download the Solution - Click here All the Best  IASbaba

RSTV Video

RSTV - How safe are high rises?

How Safe are High Rises? Archives TOPIC: General Studies 3 Disaster and disaster management In News: A Good Samaritan in her early thirties died of asphyxiation after a fire broke out at a condominium in the National Capital region in the wee hours of Monday. The interior designer saved many lives in a high-rise tower at Tulip Orange. Thanks to her, almost everyone escaped to safety, but unfortunately she couldn’t. The Issue – Such tragedies are the result of “a crumbling metropolis” where planning is haphazard and safety norms brazenly flouted. A fire, accidental or otherwise, is likely to cause 12 times more deaths than injuries as per the NCRB data available in the country. The data shows 51 deaths are caused by fire every day. The data shows residential buildings are more likely to catch fire than factories manufacturing combustible items. Incidents at residential buildings account for 29% of the total number of fires caused. Modern day buildings sport corrugated plastic roofs, partition walls, plastic doors, false ceiling panels, interior finish material, and have equipment like washing machines, refrigerators, air-conditioners, televisions, mobile electronic gadgets and computer hardware. These new amenities have, no doubt, made life easier. However, they also pose higher fire risk since many of them are made of material that have higher calorific values and thus more inflammable. For instance, paper work has given way to digital records in offices and homes. This has meant that less of cellulose and more of plastic, which has higher calorific value, is being and stored and used. The National Building Code (NBC), 2016, guidelines lists every detail when it comes to construction, including fire safety. The code lists requirements for different users (residential and commercial buildings, for instance), like the number of exits, placement of extinguishers, a dedicated water supply, fire-retardant building materials, and so on. But implementation is often substandard. The NBC is just that: a guideline, not a mandatory rule of law. Though the fire engines reach, they too are of little help if there is not enough space for their movement, or no adequate space for them to use hoses to douse the fire. The unauthorised parking shed also restrict their movement. Also, the not enough space to use a hydraulic lift to rescue those caught on the upper floors. Over-loading: A new study by researchers at the Indian Institute of Technology, Gandhinagar, has warned that the fire load in modern day buildings in India is three times greater than what was even as late as 1990s. To cut corners, contractors do not use star-rated electrical wiring and instruments. Due to poor quality, the wires and instruments are not able to take the heavy load and it results in fire accidents A No-Objection Certificate (NOC) is required from the Chief Fire officer (CFO) before a new structure can be occupied. The NOC comes only after checking that access to refuge areas (designated spots where occupants must gather to facilitate rescue) is unhindered and that all the requirements of the Maharashtra Fire Prevention Act and the Life Safety Measures Act are adhered to. But the rules are flouted after people shift in, and routine checks are rare. When it comes to granting the NOCs, it is unfair to expect that the Chief Fire Officer, who is essentially a fire fighter, be able to grasp the complexities of engineering and civil works. Ideally this should fall under a specialised body. The Way Forward As Indian cities increasingly grow vertically, it’s important to remember that fires in high-rises are best fought from within. Given the space crunch in Mumbai, often the turntable ladders of fire vehicles cannot be adequately manoeuvred. In such cases, fire engines are just aids; the real fire fighters are the residents. There are some things all citizens must be watchful about. For instance, in some cases, where the conveyance deed is not effected, the terrace, which may be marked as a refuge area, is in the builder’s possession, illegally. Also, commercial users who are co-members in residential premises must be watched with utmost care to prevent them from usurping common areas. It’s essential to attend fire drills and insist on periodic safety checks of our buildings. Invest in fire curtains and smoke barriers that block the spread of flames and smog Merely having sprinklers isn’t enough: they should be checked periodically. Investing in fire hydrants is a must, as is being trained in using them. While having a fire refuge area is mandatory, it’s just as important to check that the doors to fire exits actually open, and that such areas are not encroached upon. An alert managing committee can go a long way in preventing hazards. Basic lessons on fire safety need to form part of academic curriculum of the students Fire safety starts with YOU Ensure all exits are marked clearly. Ensure all refuge areas are accessible and unlocked. Ensure stairways are clear. Do not allow vehicles to park in areas demarcated for rescue vehicles or blocking access for rescue vehicles. Ensure window grills can be opened. Invest in fire-fighting equipment, and learn how to use it. Insist on fire drills. Take action against unauthorised sheds. If your building society does not act, report it to the Fire Department and municipal authorities.

IASbaba's Daily Current Affairs [Prelims + Mains Focus] - 23rd October 2018

IASbaba's Daily Current Affairs (Prelims + Mains Focus)- 23rd October 2018 Archives (PRELIMS + MAINS FOCUS) Repeated violations by journalists and media organisations Part of: GS Prelims and Mains II – Justice and governance In news: SC has alleged that media regulators tend to be soft when it comes to dealing with journalists and media organisations whose actions, like revealing the identity of a rape survivor, make them criminally liable. Statutory bodies like the Press Council of India (PCI), Editors Guild of India, National Broadcasting Standards Authority (NBSA), and the Indian Broadcasting Federation (IBF) failed to take responsibility to inform the police when a journalist or a media outlet commits such a crime in the course of reportage. The court gave three weeks to PCI, Editors Guild and IBF to respond. Do you know? It is a crime under the Protection of Children from Sexual Offences (POCSO) Act and the Indian Penal Code to disclose the identity of victims of sexual abuse, especially if they are children. Important Value Additions: About POCSO Act Ministry of Women and Child Development introduced the POCSO Act. It aims to effectively address the heinous crimes of sexual abuse and sexual exploitation of children through less ambiguous and more stringent legal provisions. Features of the Act The Act defines a child as any person below eighteen years of age. Act regards the best interests and well-being of the child as being of paramount importance at every stage, to ensure the healthy physical, emotional, intellectual and social development of the child. It defines different forms of sexual abuse (includes sexual harassment and pornography) People who traffic children for sexual purposes are also punishable under the provisions relating to abetment in the Act. The Act prescribes stringent punishment graded as per the gravity of the offence, with a maximum term of rigorous imprisonment for life, and fine. For more details: National Commission for protection of children's Rights Where Ganga meets the Bay of Pollution Part of: Prelims and mains GS I & III – Culture, Environment and ecology In News An exponential increase in the number of pilgrims coming to the Ganga Sagar Mela, which takes place at the Sagar Island every year during Makar Sankranti, has been responsible for the worsening water pollution, prompting scientists to raise serious concerns about the likely outbreak of several diseases. The number of pilgrims descending on the Sagar Island to take a dip at the place where the Ganga meets the Bay of Bengal, has risen from 2 lakh in 1990 to 20 lakh in 2018. Health concerns It is found that diseases like cholera, dysentery, and skin disease were predominant in the post­Ganga Sagar Mela period. It was noted that the focus of the administration is mostly on managing the mela, and that it should also manage the pollution with sustainable strategies. Several studies have shown that the island is at the frontline of climate change, facing serious erosion due to rising sea level and tidal surges. Do you know? Sagar Island: Sagar island is an island in the Ganges delta, lying on the continental shelf of Bay of Bengal about 100 km (54 nautical miles) south of Kolkata. Although Sagar island is a part of Sunderban Administration, it does not have any tiger habitation or mangrove forests or small river tributaries as is characteristic of the overall sunderban delta. This island, also known as Gangasagar or Sagardwip, is a place of Hindu pilgrimage. Neelakurinji flowers fail tourists Part of: Prelims and mains GS III – Biodiversity In News Large number of tourists who could reach Mullayyana Giri and Seethalayyana Giri hoping to catch a glimpse of the flowers returned disappointed. Do you know? Neelakurinji flowers, a shrub belonging to the genus Strobilanthes, blossom once in 12 years. ‘In urban U.P., 87% of waste from toilets goes to rivers, farmlands’ Part of: Prelims and mains GS III – Environment and ecology: Pollution In News While urban Uttar Pradesh has 80% coverage of toilets, inefficient sanitation systems ensure that almost 87% of the excreta being generated by these toilets is being dumped in water bodies or agricultural lands, according to a new analysis of 30 cities by the Centre for Science and Environment. With 2019 just round the corner, the number of toilets and onsite sanitation systems being built in the State are all set to increase exponentially — if not managed scientifically and sustainably, the amount of faecal sludge that these new toilets will generate will swamp the State. The report argues that building more toilets will only worsen the environmental, sanitation and manual scavenging situation, unless sewerage connections increase from the current 28% of households in the 30 cities studied. Onsite sanitation systems — such as septic tanks or pit latrines — are far more prevalent, and are used by 47% of households. Pic: https://d39gegkjaqduz9.cloudfront.net/TH/2018/10/23/DEL/Delhi/TH/5_07/d2b1bef2_2476469_101_mr.jpg Manual scavengers Without a sewerage system, the effluent from the septic tank, along with greywater from the kitchen and bathroom flows out into stormwater drains and open drains or nullahs. The faecal sludge, on the other hand, has to be periodically emptied from the septic tank, either manually or mechanically using vacuum trucks or tankers. CSE’s analysis found that half of all emptying work in these cities is done manually, despite the legal prohibition of the employment of manual scavengers. An African island’s troubled waters Part of: Prelims and mains GS III – International affairs: conflicts between countries In News A rounded, rocky outcrop covered with metallic shacks, Migingo Island rises out of the waters of Lake Victoria like an iron­plated turtle. The densely populated island is barely a quarter of a hectare large. For over a decade, Migingo has been a source of tension between Uganda and Kenya, who have been unable to decide to whom it really belongs. The ‘smallest war’ They were once pushed to the brink of what some said would have been Africa’s “smallest war” over the island. While fishing communities around Lake Victoria have seen their catches slowly diminish over the years, the deep waters surrounding Migingo abound with catch such as Nile perch. It was in the early 2000s when the island was barely inhabited — then situated within Kenya on all maps — that it began drawing the attention of Ugandan authorities who sent officials to Migingo to tax fishermen and offer protection against pirates. Kenyan fishermen in return began complaining they were being shaken down by the Ugandans in their own waters and chased from the island. They called on Kenya’s government, which deployed security forces to Migingo in a move that nearly brought the two nations to blows in 2009. Kenya and Uganda then decided to create a joint commission to determine where the watery border is relying on maps dating from the 1920s whose interpretation is a key point of contention. But nothing has come of the commission, and in the absence of any decisions on the boundary, the island is co­managed by both countries. Faced with mounting complaints from their constituents, local Kenyan politicians have called on Nairobi to ask the International Court of Justice to intervene and make a decision on the border — to no avail. Panel for adopting UN model on cross-border insolvency Part of: Prelims and mains GS II – International bodies and organisations In News The Insolvency Law Committee (ILC), tasked with suggesting amendments to the Insolvency and Bankruptcy Code of India, has recommended that India adopt the United Nations’ model to handle cross­border insolvency cases. The United Nations Commission on International Trade Law (UNCITRAL) Model Law of Cross Border Insolvency, 1997 provides for a comprehensive framework to deal with cross­border insolvency issues. The UNCITRAL Model Law has been adopted in 44 countries and, therefore, forms part of international best practices in dealing with cross border insolvency issues, the government said. The advantages of the model law are the precedence given to domestic proceedings and protection of public interest. The necessity of having a cross­border insolvency framework under the Insolvency and Bankruptcy Code arises from the fact that many Indian companies have a global footprint and many foreign companies have a presence in multiple countries, including India. (MAINS FOCUS) NATIONAL TOPIC: General studies 2 Social justice and rights Governance Ripe for prison reform Introduction In an acknowledgment that the more than a century-old system of prisons in India needs repair, the Supreme Court formed a committee on prison reforms. Headed by former Supreme Court judge, Justice Amitava Roy, it is to look into the entire gamut of reforms to the prison system. But this is not the first time that such a body is being set up, examples being the Justice A.N. Mulla committee and the Justice Krishna Iyer committee on women prisoners (both in the 1980s). While marginal reforms have taken place, these have not been enough to ensure that prison conditions are in tune with human rights norms. Punish or reform? The formation of Roy committee comes at a time when controversy surrounds the Tamil Nadu government’s recommendation that the seven convicts in the assassination, in 1991, of former Prime Minister Rajiv Gandhi be released. This is the crux of the debate: Confinement in any form is uncivilised, especially when it is so long-drawn-out, and when the objective of criminal punishment should be one of reform rather than inflicting revenge on a perpetrator of crime. Those pleading for clemency in this case are outnumbered, which is reflective of popular sentiment that a gruesome crime needs to be dealt with severely. It is also about the unresolved conflict in attitudes about incarceration — punishment or reform — which also explains the halfway jail reforms agenda seen in many countries. Why delay in prison reforms? There are those who believe that if you keep improving prison conditions, there is likely to be an attendant impact on the incidence of crime. This accounts for the reluctance of many criminal justice administrators to employ or enlarge non-prison alternatives such as community service. The offshoot of all this is growing numbers of prisoners and the woeful incapacity of governments to build more and larger prisons. The question often asked by governments is, in these days of extreme fiscal stress, why should state resources be diverted to a ‘negative exercise, whose benefits are dubious’? This is why jail officials are often asked to ‘somehow manage’ with existing modest facilities. Packed to the gills The data on prison overcrowding are frightening. Except in parts of Europe, where crime is still low or at acceptable levels, overcrowding is rampant. In the U.S., for example, which has a humongous crime problem, complicated by gun violence and a strident racist overtone in combating crime, the prison system is creaking under the stress of numbers. At any time, it is estimated, there are more than two million prisoners in state and federal prisons. In the U.K., the latest available data (July 2018) show a current prison population of approximately 92,500. In India, the publication, Prison Statistics India, brought out by the National Crime Records Bureau will provide food for thought for the Justice Roy Committee. In 2015, there were nearly 2 lakh inmates in 1,401 facilities, with an average occupancy rate of 114% in most. About 67% of total inmates were undertrials, a commentary on the speed and efficiency of India’s criminal justice system. There is an obvious poverty of ideas in justice administration. While public officials and social workers are agreed upon the need to reduce overcrowding, there is hardly any convergence on how to go about this delicate exercise. There is also an obvious fear of backlash against any move to decriminalise what is now prohibited by statutes. Handling white collar crimes There is a popular view that in order to reduce prison populations, proven non-violent offenders could be dealt with differently. But it is frustrating that no consensus has evolved across the world on this relatively uncomplicated issue. White collar crime has assumed monstrous proportions but there is no reason why we should continue to lock up offenders instead of merely depriving them of their illegal gains. Devising swift processes of attachment of properties and freezing of bank accounts are alternatives to a jail term. There are legal impediments here, but these can be overcome by ensuring certain fairness in the system, of the state taking over illegally acquired wealth. The argument that not all gains made by an economic offender are open is not convincing enough to opt for incarceration over punitive material penalties. In India, progress has been made in freezing ‘benami’ holdings of major offenders even though it may not be a 100% effective step of cleaning up. But these are the first steps towards making economic crimes unaffordable and unattractive for the average offender. Prison officials and political will Another complaint against prisons is the brutality and venality of prison officials, again common across the world. A solution will be a point to ponder over for the Justice Roy Committee. Finally, improving prison conditions has no political leverage. Just as humane prisons do not win votes, the bad ones do not lose votes for any political party. As long as there are no stakes here for lawmakers, one can hardly hope for model prisons, where inmates are accommodated with due regard to their basic human needs and are handled with dignity. Conclusion: More than a century-old system of prisons in India needs an urgent repair. Overcrowding, more number of undertrails than convicted prisoners, delayed justice, inhumane conditions, brutality and lack of basic human need facilities are some of the major issues in Indian prisons. Justice Amitava Roy committee is a ray of hope in the direction of prison reforms, but without political reforms in India’s criminal justice system are impossible. Connecting the dots: India's prisons and criminal justice system are in the dire need of reforms. Analyse INFRASTRUCTURE/ENERGY TOPIC: General studies 3 Infrastructure: Energy  An agenda for energy Introduction You need energy to grow. This is as true for economies as it is for humans. Whether it is the use of machines in a factory, appliances like washing machines and refrigerators in households that help save time on chores, or automobiles to move people and goods faster, energy is needed to grow output. Even the use of materials like metals, plastics, chemicals, bricks and cement, without which a decent quality of life is now hard to imagine, means use of more energy. The production of steel accounts for nearly 9 per cent of India’s total energy needs, and brick-making is the second largest industrial use of energy. Put simply, an un-electrified house with mud walls and a thatched roof only needs manual energy to build, but a brick-and-cement house needs much more. Correlation between energy and productivity Energy consumption per person for a country is correlated to its average output per person. Higher productivity also needs denser energy. For example, grass has lower energy density than cooking gas: Cooking a bowl of rice by burning straws would take a lot more time than by using a gas cylinder. While traditional societies across the world all relied on biomass (that is, sources like firewood and crop residue, which are less-dense), their growth in productivity was associated with a move to denser fuels: Imagine running a car directly with coal or wheat-straw. It is said that the transition of the fuel for ships from the less-dense coal to the higher-density oil contributed to the success of the British navy in the First World War. India is one of the fastest growing economies. So, the Indian economy’s energy needs will rise with growth, and demand for denser energy sources will grow even faster. Some statistics on energy needs In the early 1990s, biomass was 30 per cent of China’s energy, but is only 5 per cent now. India’s ratio currently is 30 per cent, but should start to fall as household electrification picks up, and government policy raises the penetration of cooking gas cylinders. Between 2000 and 2015, when India’s output (as measured by GDP) grew at 7 per cent a year, its energy demand grew at 4.5 per cent a year, implying that efficiency of energy use improved at about 2.5 per cent annually. The problem was that the annual growth in domestic production of energy was only 3 per cent, and imports therefore had to grow at 8.5 per cent to meet the demand. The share of energy needs met through imports rose from 21 per cent in 2000 to 36 per cent by 2015. If similar trends persist, we estimate that nearly half of the demand in 2040 would be met by imports. The main constraint in India is the lack of reserves of oil, gas and metallurgical coal (used for steel-making), but poor management of what India does have is also a reason. The problem Importing large amounts of energy is by itself not a problem (except possibly for security reasons — one can imagine the problems of this vulnerability in times of war). But how does one pay for it? The energy import bill this year is already at a record high of $125 billion, despite energy prices being half of what they were at the peak a decade back: Volume growth has more than offset the price decline. Three years from now, even if the recent surge in prices reverses, the value of energy imports would be nearly $40 billion higher than this year. By 2040, even with minimal price growth, the import bill could be $660 billion. As a share of national income, this will most likely be a manageably low number, but the constraint would be in getting that quantum of dollars. The recent troubles for the currency have originated from slowing foreign capital inflows coinciding with rising energy prices. Capital inflows as a share of GDP this year have fallen to 2002 levels, and paying for imports has become a struggle. Only part of this decline is cyclical: That is, it may pick up over time without any policy level changes; the rest may need policy changes. The necessary dollars can also come from exports, but export growth has slowed too, particularly for services. A decade back, rapid growth in services had prevented the external balances from deteriorating during the oil price spike. The fact that India may struggle to pay for the energy it needs to grow the economy at even 7 per cent a year is concerning, and challenges the widely held view that 8 per cent growth is just around the corner. Way forward Structural changes on several fronts may be necessary to overcome these hurdles. Improve capital inflows, grow domestic energy production, increase energy efficiency, and also accelerate the transition to more domestic sources of energy. Energy pricing should be freed up, not just in electricity but also coal and gas. Controlled and distorted pricing drives inefficiency in usage, and also inhibits a supply response at times like now, when rupee depreciation has made domestic energy so much cheaper than imported energy. The legal monopoly of Coal India on merchant mining of coal was unwound a few years back, but no licences have been issued yet to private enterprises. A national level planning is needed to move away from carting country's low-grade coal over hundreds of kilometres instead of moving power, which is cheaper, easier and less wasteful. The ambition on solar and wind power may need to be reset substantially upwards. Even if solar and wind capacity reaches 650 Gigawatts by 2040 (a nine-fold increase from now), they would only be able to cater to 4 per cent of India’s energy needs that year. Given the scale of required capacity, self-sufficiency in such equipment should also be sought. Further, given the natural fluctuations in output from renewable sources, the grid would need to be re-planned/architected. India also needs to accelerate electrification of various energy-guzzlers. Electric vehicles are expected to be just 6 per cent of cars globally by 2030: This may be too slow for Indian requirements. Conclusion India is expected to drive almost a fourth of global energy demand in the next two decades. Not only should it be pulling its weight on global forums and influence global policy and choices, there needs to be significant investment in India-specific solutions, otherwise the country’s medium-term growth potential could be at risk. Connecting the dots: India is expected to drive almost a fourth of global energy demand in the next two decades. Suggest some measures to make India self-sufficient in energy sector and to alleviate the import bill. (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Note: Featured Comments and comments Up-voted by IASbaba are the “correct answers”. IASbaba App users – Team IASbaba will provide correct answers in comment section. Kindly refer to it and update your answers. Q.1) Consider the following statements: The Protection of Children from Sexual Offences Act, 2012 defines a ‘child’ as any person below the age of sixteen years National commission for Protection of Child Rights (NCPCR) is a statutory body established under the Protection of Children from Sexual Offences Act, 2012. Which of the statements given above is/are correct? 1 only 2 only Both 1 and 2 Neither 1 nor 2 Q.2) Sagar island is an island located in the - Ganges delta Andaman and Nicobar islands Indonesia Krishna delta Q.3) Consider the following statements about Neelakurinji It is found in Nepal, India and Tibet It blossoms only once in 12 years Select the correct statements 1 Only 2 Only Both 1 and 2 Neither 1 nor 2 Q.4) Which among the following is considered as Tamil Nadu’s State flower? Gloriosa superb Neelakurinji Sacred Lotus Pride of India Q.5) Migingo Island is located in which of the following? Danube River South China Sea Gulf of Maine Lake Victoria Must Read The judiciary’s #MeToo moment The Hindu The value of a health scheme The Hindu  Fanning the flames The Hindu   How to read the ‘war’ in CBI Indian Express The law will not hold Indian Express From Akbar to Ayyappa Indian Express

Daily Prelims CA Quiz

UPSC Quiz- 2019 : IASbaba’s Daily Current Affairs Quiz [Day 93]

UPSC Quiz- 2019 : IASbaba’s Daily Current Affairs Quiz [Day 93] Archives Q.1) Consider the following statements with respect to ‘Fusion Energy Conference (FEC 2018)’ It is organised by the International Atomic Energy Agency (IAEA) It is hosted by the Department of Atomic Energy in Gandhinagar Select the correct statements 1 Only 2 Only Both 1 and 2 Neither 1 nor 2 Q.2) ‘World Development Report (WDR)’ is published by World Bank World Economic Forum World Trade Organization International Monetary Fund Q.3) Consider the following statements with respect to ‘Toluene’ It is one of the petrochemical wastes It has genotoxic and carcinogenic effects on human beings It is used as a jet fuel surrogate blend Select the correct statements 1 and 2 2 and 3 1 and 3 All of the above Q.4) India’s longest river bridge will be built across the Brahmaputra. It will connect which of the following states? Assam and Meghalaya Assam and Arunachal Pradesh Nagaland and Manipur Tripura and Mizoram Q.5) The distribution of powers between the centre and the states in the Indian Constitution is based on the scheme provided in the Morley Minto Reforms, 1909 Indian Independence Act 1947 Montague Chelmsford Act, 1919 Government of India Act, 1935 To Download the Solution - Click here All the Best  IASbaba

PIB

IASbaba PIB Weekly : Press Information Bureau – 15th Oct to 21st Oct, 2018

IASbaba Press Information Bureau 15th – 21st October, 2018 ARCHIVES Prelims Orinted News DHARMA GUARDIAN-2018: Indo-Japan Joint Exercise to promote Military cooperation Police Commemoration Day: October 21; observed every year in memory of the policemen killed at Hot Springs in Ladakh by Chinese troops on this date in 1959. Commemoration of '75th Year of Establishment of Azad Hind Government' at Red Fort, Delhi: The Azad Hind Government, founded on 21st October, 1943 was inspired by Neta ji Subhash Chandra Bose who was the leader of Azad Hind Government and also the Head of State of this Provisional Indian Government-in-exile. It was a part of the freedom movement, originating in 1940s outside India with a purpose of allying with Axis powers to free India from British rule. The existence of the Azad Hind Government gave a greater legitimacy to the independence struggle against the British. Pertinently, the role of Azad Hind Fauj or the Indian National Army (INA) had been crucial in bequeathing a much needed impetus to India’s struggle for Independence. OneerTM – Affordable Water Disinfection System: Developed by CSIR, it is useful for continuous treatment of water and eliminates all disease causing pathogens such as virus, bacteria, fungi, protozoa and cyst to provide safe drinking water to domestic and communities settings as per National and International standards prescribed for potable water (BIS, WHO etc.). Will provide access to safe and clean drinking water at a cost of just 2 Paise Maintenance and membrane free The technology will be helpful especially for rural people since it can be solar powered and this development is in line with the ‘Make in India’ Mission Currently, a large proportion of India's rural community is consuming water that does not meet the WHO drinking water quality standards. According to the World Health Organization, "access to safe drinking-water is essential to health, a basic human right and a component of effective policy for health protection”. Mahila Kisan Diwas: Celebrated on 15th October The government has allocated more than 30% funds for women under various major schemes, programs and development related activities in order to bring women in the agriculture mainstream. About 18% of the agricultural households in India are led by women. In addition to agriculture, women have been making exceptional contribution in horticulture, fisheries, animal husbandry, beekeeping etc. – the participation of women is 75% in the production of major crops, 79% in horticulture, 51% in post-harvest work and 95% in animal husbandry and fisheries. A National Gender Resource Centre in Agriculture, set up in the Department of Agriculture Cooperation & Farmers Welfare, has developed a women sensitization module to bring about change in the mindset and behaviour of male program operators. Special importance is being given to the role of women in achieving the goal of doubling farmers’ income by 2022. Government’s revised ATMA scheme is providing support to the Food Security Groups of the farmers to ensure food security at the domestic and community levels. Under this, the Women's Food Security Groups are being given financial assistance at the rate of 2 groups / per block and at the rate of Rs 10,000 per group / per year. Launch of Air Quality Early Warning System for Delhi: The System is designed to predict extreme air pollution events and give alerts to take necessary steps as per Graded Response Action Plan (GRAP) of the Government of India. The air pollution system has been developed jointly by the scientists at Indian Institute of Tropical Meteorology (IITM), Pune, India Meteorological Department and National Centre for Medium Range Weather Forecasting (NCMRWF). The warning system consists of Real time observations of air quality over Delhi region and details about natural aerosols like dust (from dust storms) and particulate matter using different satellite data sets Predictions of air pollutants from two different air quality prediction systems based on state-of-the-art atmospheric chemistry transport models and Warning Messages and Alerts and Bulletins. NOTE: The POCSO Act does not provide for any period of limitation for reporting the child sexual offences. Now any victim, at any age, can complain the sexual abuse faced by him/her as a child. The Protection of Children from Sexual Offences Act, 2012 defines a child as any person below the age of 18 years and provides protection to all children under the age of 18 years from the offences of sexual assault, sexual harassment and pornography. It is a gender neutral Act which has been enacted to strengthen the legal provisions for the protection of children from sexual abuse and exploitation. Quotes Vice President of India, Shri M. Venkaiah Naidu Peace is the prerequisite for Progress and India is on rise and entire world is looking at us. The history of mankind seems to be a ceaseless struggle between the forces of war and peace, between evil and goodness, between violence and non-violence, between tolerance and hatred, between understanding and misunderstanding, between isolationism and inclusion and between conflict and coexistence. It is a continuous struggle and the State has a major role in it along with other bodies like the United Nations. The welfare and development of the people and the reduction in inequalities and discontent can potentially lead to a more harmonious, peaceful and less insecure society. So, what we should be addressing are the potential triggers that make our society an insecure place. We are living in a world that is torn by violent thoughts, violent emotions and violent actions. To ensure security, we need to have a multi-pronged approach. Extremism, terrorism, communalism, violence against women and numerous other forms of violent behaviour need a concerted approach. Education with values of empathy, compassion, tolerance and goodness embedded in the curriculum can prevent conflict and irrational violence. Community education, inter-faith understanding and evolution of societal norms that encourage harmony and zero tolerance towards violence of all kinds can provide the foundation for a secure society. We have been facing the problems of insurgency, left wing extremism and attempts by certain fissiparous forces to weaken the unity and integrity of the country. There is no place for violence in a democracy and India is a mature parliamentary democracy and the ballot has proved to be far more powerful than the bullet. The National Security Strategy aims at creating conditions to effectively pursue its development agenda while keeping the costs of security optimal and affordable. Our strategic security direction should encompass the following components, he said: Maintaining a deterrent capability to safeguard National Interests Ensuring security of national territory, maritime region, including our trade routes, air space and cyber space Maintaining a secure internal environment to guard against threats to our unity and development Strengthening and Expanding ‘‘Constructive Engagement’’ with Nations to promote regional and global peace as also international stability.

IASbaba's Daily Current Affairs [Prelims + Mains Focus] - 22nd October 2018

IASbaba's Daily Current Affairs (Prelims + Mains Focus)- 22nd October 2018 Archives (PRELIMS + MAINS FOCUS) Bribery case against top CBI officer Part of: GS Mains III and IV – Corruption and Black Money; Ethics - challenges of corruption In news: Gujarat cadre IPS officer and number 2 in the CBI Rakesh Asthana was named in an FIR for allegedly accepting bribe. CBI Deputy Superintendent of Police Devender Kumar also named. Important value additions: Corruption is not just the clearly bad cases of government officials scanning off money for their own benefit. It also includes cases where the systems do not work well, and ordinary people are left in a bind, needing to give a bribe to get a work done or the licenses they need. Corruption violates human rights, challenges the rule of law, distorts the development process, and dis-empowers the Indian state. Corruption hinders the process of fulfilling civil, political, economic, social and cultural rights. It raises doubts over integrity of government officials. Saffron marigold is the colour of sacrifice In news: The marigold was chosen as the symbol of remembrance for Indian soldiers martyred in First World War.   A unique Indian symbol will allow citizens in India, as well as the international diaspora, to acknowledge the valour and sacrifice of the Indian armed forces in the service of the nation, including those who fell in the two world wars. World to mark the centenary of the end of the First World War on November 11. The marigold was chosen because it is easily and widely available and also because saffron is often seen as a colour of sacrifice. Pic: https://www.saffronmarigold.com/catalog/images/albums/bp_01_Photo_marigold.jpg About India Remembers project The India Remembers project is a joint endeavour of the United Service Institution of India (USI) and the Commonwealth War Graves Commission (CWGC) and a part of the ‘India and the Great War’ Centenary Commemoration project initiated by the USI in 2014 with the support of the Ministry of External Affairs and in close association with the British High Commission. The Project highlights India's contribution during the First World War and primarily aims at exploring India's engagement in war efforts from a variety of perspectives. Important Value Additions: First World War (1914-1918) is considered as one of the largest wars in history. The world’s great powers assembled in two opposing alliances: the Allies (British Empire, France and the Russian Empire) versus the Central Powers (Germany and Austria-Hungary). Triple Entente - France, Russia, and Great Britain. Triple Alliance - Germany, Austria-Hungary, and Italy. Do you know? The Indian War Memorial, to be inaugurated at Villers-Guislain in France, has a bronze marigold wreath as an integral part of its design. The First World War ended with the signing of the armistice on November 11, 1918. Since then, poppy was adopted as the symbol of remembrance as it grew widely in the Flanders fields in Europe where some of the major battles were fought. Note: Try to know the Causes of the First World War and India’s contribution during the First World War. U.S. to pull out of Russia missile pact Part of: GS Mains II – International Relations In news: U.S. President Donald Trump confirmed that the U.S. would pull out of the Intermediate-range Nuclear Forces (INF) Treaty with Russia. About Intermediate-range Nuclear Forces (INF) Treaty INF Treaty is a crucial Cold War-era treaty which led to banning the development, testing and possession of short and medium range ground-launched nuclear missiles with a range of 500-5,000 km. The treaty, signed in 1987, was central to ending the arms race between the two superpowers, and protected America’s NATO allies in Europe from Soviet missile attacks. The real issue: US has accused that Russia has developed and deployed Novator 9M729 missile, also known as the SSC-8, that could strike Europe at short notice. (However, Russia has repeatedly denied the allegation) The Russians denied the allegations and raised counter-allegations of the U.S. installing missile defence systems in Europe. Consequences: A withdrawal will allow the U.S. new weapon options in the Pacific in its efforts to counter China’s growing influence. There are also concerns that the treaty’s end could mark the beginning of a new arms race between the U.S. and Russia. (MAINS FOCUS) NATIONAL TOPIC:General studies 2 & 3 Social justice and government policies for empowerment of vulnerable sections of the society Labour laws and related reforms Lip service to labour rights Introduction Gujarat is one of the top States in India that receive migrant workers, largely temporary and seasonal, on a large scale. In Gujarat, they work in unskilled or semi-skilled jobs in a wide range of activities such as in agriculture, brick kilns and construction work, salt pans and domestic work, petty services and trades (food and street vending) as well as in textiles and garments, embroidery and diamond cutting and polishing, small engineering and electronics and also small and big factories. Scant data These workers are from Rajasthan, Madhya Pradesh, Maharashtra and even from as far as Bihar, Uttar Pradesh, Andhra Pradesh, Odisha, Jharkhand, Chhattisgarh, Assam and Karnataka. Employers send contractors to distant unexplored places to gather labour at the lowest possible wage rate. For example, a new township in Gujarat being promoted by a large industrialist is to be built with workers from Assam. Surprisingly, the Gujarat government has no data on/estimates of migrant workers coming to Gujarat. Informally, the figures are estimated to be between 40 lakh to one crore. Migrants’ conditions Segmenting the labour market and creating a separate labour market for migrant workers — who are easy to exploit — has been a common strategy of employers across India. The pathetic conditions migrant workers face has been widely documented. They earn low wages, work very long hours without any overtime benefits, and are almost without any leave or social protection. Lakhs of unskilled and migrant workers live on worksites in makeshift huts (usually made of tin sheets) or on roads, slums and in illegal settlements not served by municipalities. They are neither able to save much to improve their conditions back in their home States nor save enough to live comfortably in Gujarat. They go back home only once or twice to celebrate festivals. Semi-skilled workers with some education and skills (such as those in diamond cutting and polishing units, power looms and factories) get slightly higher wages and earn some leave. However, these workers are also exploited in multiple ways and are mostly unprotected. Factory owners, employers and traders are only too happy with such a situation as they earn huge profits from wage labour exploitation. Causes and effects of exodus from Gujarat Local workers resent the presence of migrant workers who they feel take away their jobs in factories and other places on account of being cheap labour. The recent attacks on migrant labour after an incident in Gujarat late last month, involving the sexual assault of a 14-month-old girl, allegedly by a migrant labourer from Bihar, appears to be have been a consequence of this resentment. Many migrant workers have now rushed out to their home States out of fear despite several local people having been taken into custody on the charge of inciting violence against migrant workers. There have been reports of an estimated 60,000 to more than a lakh workers leaving the State. Those who have stayed back now live under constant fear. Prosperity of the state over well-being of the migrants The exodus is cause for concern as it is bound to impact Gujarat’s growth and create resentment among factory owners and other employers, especially at a time when the general election is drawing close. The concerns are that losing cheap labour will be at the cost of Gujarat’s prosperity than out of genuine concern for the welfare of migrant workers. All this shows the utter indifference of States to the well-being of migrant workers and their rights. The Gujarat government wants normalcy to return so that migrant workers can toil for the prosperity of Gujarat. While the Bihar government, which is at its wit’s end trying to manage the sudden inflow of returning migrants, wants migration to Gujarat to continue as before. Only on paper Under the Inter-State Migrant Workmen Act and other labour laws (for unorganised workers), migrant workers in Gujarat are legally entitled to all their basic labour rights. These include minimum wages, regular wage payment, regular working hours and overtime payment, and decent working and living conditions which include taking care of the health and education of their children. Under the same Act, the governments of the States from where migrant workforce originate are expected to issue licences to contractors who take workers away, register such workers and also monitor their working and living conditions in other States. But most State governments remain indifferent to these laws. Gujarat has taken a few steps but these are far from adequate. In the political sphere, there has been hardly any mention about protecting the legal rights of migrant workers in India. The political impulse has been to maintain status quo — the continuation of the situation where migrant workers are exploited. Employment for local workforce The Gujarat government passed a rule in the 1990s making it mandatory for industries and employers in Gujarat to give 85% of jobs to local people. This rule was never really implemented in reality, but watered down by the State government in its subsequent industrial policies, as new and large investors coming to the State did not like any such restrictions. Now there is a move in the State to introduce a law for industries and investors in Gujarat which reserves 80% of labour jobs for State domiciles and at least 25% for local workers. As long as there are huge surpluses from the labour of migrant workers, employers will have no incentive in hiring local workers. The objective of such a move is to perhaps contain the anger of local workers — at least till the 2019 election. Conclusion: A way out In the end, the real solution to this issue would be to enforce all relevant labour laws for migrant workers so that segmentation of the labour market becomes weak, and workers (local and migrant) get a fair and equal deal in the labour market. This will also weaken unfair competition between local and migrant labour and enable migrant workers either to settle down in the place of destination or to go back home and make a good living there. State and Central governments should genuinely take interest in improving the conditions of workers in the economy. Connecting the dots: The exodus of migrant labour from Gujarat highlights the indifference of States to their well-being and rights. Critically comment. (MAINS FOCUS) NATIONAL TOPIC:General studies 2 & 3 Role of women and women related issues Financial inclusion Designing financial products for women Introduction Marketers from a growing range of industries have gone to great lengths to create consumer markets that are segmented along gender lines—from soaps to two-wheel vehicles to vacation packages. However, financial services providers (FSPs) remain largely oblivious to the needs of women. Financial inclusion of women in India Across the globe, a billion women remain financially excluded, with a gender gap of 9% persisting stubbornly in developing countries. Further, the 2017 Global Findex survey conducted by the World Bank found that in India, while the gender gap in access to bank accounts has decreased to 6% from 20%, the percentage of women who are active users (35%) is less than that of men at 47%. Poor financial product design for women contributes to this. The micro-credit movement brought these women into the formal financial fold for the first time, with loans and passbooks issued in their names. Challenges and concerns Women were not necessarily considered active consumers of financial services. Rather, they were often seen just as conduits to push credit into households with the hope of eventually lifting people out of poverty. There is limited evidence on the scale-up and success of women-led enterprises financed by micro-credit. Governments in developing countries institutionalised conditional cash transfers (CCTs) to link social transfer payments to women’s bank accounts. But again, broadly, CCTs have been built with an emphasis on the social welfare of the family, rather than the economic benefit of individual women beneficiaries. In these financial services models—both of which are pioneering and landmarks in their own right—women have been conflated with ‘family’ and considered merely an avenue to pursue social welfare. Financial service providers have been surprisingly lackadaisical and unimaginative in sensing a business opportunity around the millions of poor women who have bank accounts at their retail branches. Innumeracy, distinctly apart from illiteracy per se, acts as a cognitive barrier and hinders women from developing familiarity with FSPs or their business correspondents (agents). Often, men take advantage of this handicap, using it as a pretext to deal with FSPs on ‘behalf’ of the women in the household, who, they claim, “would get duped or would be unable to transact”. Evidence from India suggests that financial service providers haven’t invested much resources in supporting women agents and their enterprises. An agent network Accelerator study conducted by MicroSave found just 8% women business correspondents in India. Way forward There is an urgent need to consider women as a distinct segment with specific financial services requirements, without disguising male-focussed products as gender neutral. To enable this change, one needs to study the myriad social and behavioural impediments impacting women, and use this knowledge to design customized financial product offerings. There is a need to actively employ oral informational management tools such that these women can transact independently. Also, women prefer to learn and work with peers. A collaborative approach reduces financial risk within a peer group and helps pool resources like time and labour. FSPs must make use of this critical element, given the strong influence it has on the uptake of personal financial services by poor women. Behaviourally as well, women customers take more time to develop trust in a particular agent, requiring more interaction with him or her. The presence of women agents can help in this context, especially because women customers consider them more trustworthy and better at maintaining confidentiality. Studies have shown that women-owned enterprises have stronger repayment records with non-performing loans being 30-50% lower than male entrepreneurs. They also have a likelihood of availing more products (up to three times) than men. This is a significant business opportunity that FSPs fail to utilize. The FSPs can use big data analytics to make sense of gender-disaggregated data points. Specifically, they can assess and track the benefits of providing financial services to poor women, both in terms of repayment and social benefits to households. FSPs can also use proxies, such as adherence to cash transfer schemes, as a measure of financial discipline and stable cash flows. Furthermore, women-led micro enterprises expect much more than the delivery of financial products—especially in terms of business advisory support in managerial capacity-building, bookkeeping, technological upgradation, skill development, and legal procedures to scale-up their businesses. Also, women-led micro and small enterprises not only struggle to access capital, but also to formally register their enterprises. This restricts their business development activities and engagement with e-commerce distribution channels. Conclusion By providing support on all these fronts, financial services providers will gain by getting access to a more credit-worthy customer segment. In turn, they will transform the lives of women entrepreneurs and reduce the gender gap in access to financial services—all this while positioning themselves as engineers of social change for good. An immediate push to bring gender-centricity as a lens and a mindset to the forefront of policy framework and product design can do wonders. It will bring about gender equality in the financial services space, adding a customer base vastly underserved women. FSPs have to be mindful of the impact that each design attribute will have on the lives of women. The twin advantages of pursuing this course will be to transform women’s lives and offer a business value proposition for financial services providers. Connecting the dots: Financial inclusion of women merely by opening a bank account will not be sufficient, women friendly financial products will economically empower women as an individual segment. Comment. (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Note: Featured Comments and comments Up-voted by IASbaba are the “correct answers”. IASbaba App users – Team IASbaba will provide correct answers in comment section. Kindly refer to it and update your answers. Q.1) The British participation in the First World War was supported by Moderates Extremists Revolutionaries Select the correct answer using code below Only 1 1 and 2 2 and 3 1, 2 and 3 Q.2) Which one among the following is considered to be the symbol of remembrance for Indian soldiers martyred in First World War? A reversed rifle, capped by a helmet Hibiscus National Emblem and two crossed swords Saffron marigold Q.3) During the First World War (1914-1918), which countries were in the Triple Entente? France Germany Austria Hungary Italy Russia Great Britain Choose the correct answer: 1, 2 and 7 1, 6 and 7 2, 4 and 5 2, 3, 4 and 5 MUST READ Lip service to labour rights The Hindu Time to hew a new antiquities law The Hindu The pilgrimage’s progress The Hindu A new Other Indian Express Failing the girl students Indian Express A Moment Of Rupture Indian Express An innovative method for boosting nutrition Livemint Reviewing the Competition Act Livemint Designing financial products for women Livemint