Poverty Alleviation gotten right this time

The former deputy Prime Minister Babu Jagjivan Ram’s famous speech on hunger and poverty alleviation still resounds in many minds. One can judge his thrust by his words, when in an interview with All India Radio, he had said-(translated) “Any government who reigns here, whether socialist, communist, capitalist, or authoritarian, should first ensure that no one sleeps without food, each person has at least a shirt and a pair of shoes, and only then work on other things and plans. Quoting Swami Vivekananda, he further said – for those starving, one who provides food becomes like a God and freedom carries no meaning. Hence, our first objective is to provide food to one and all, then only that person can be free.

Pradhan Mantri Garib Kalyan Anna Yojana (PMGKAY) is one such welfare programme launched to alleviate the pain and sufferings caused by Covid-19 pandemic and to feed the country’s poorest citizens by providing grains through the PDS system. The government has spent Rs. 2.60 lakh crore so far and another Rs. 80,000 crore will be spent over the coming months till September 2022. According to a report by the dept. of Food and Public Distribution, the initiative stands out as the largest food assistance
program anywhere in the world during the pandemic in terms of the number of people covered, which is more than 10% of the world
population. Along with food assurance, financial benefits and healthcare expenditure are also being taken care of by the government, and continuous efforts are leading to positive results as far as poverty-reduction is concerned.

Financial inclusion plan like Jan Dhan, accidental insurance at the premium of Re. 1 per month and life insurance also at the same premium providing a cover of Rs. 2 lakh have proved vital. Over 12 crore people have been enrolled under PM Jeevan Jyoti Bima Yojana- the life insurance scheme and over 28 crore people have been enrolled under PM Suraksha Bima Yojana- the accident insurance scheme. Ayushman Bharat provides health cover of Rs. 5 lakh per family per year to about 18 crore families. So far, over 3 crore treatments under this scheme have saved over Rs. 37,600 crore for the poor. The Jan Aushadhi scheme further helps the poor when it comes to bearing the cost of medicines. With a network of over 8,700 stores across the country, under the Jan Aushadhi Scheme, medicines are sold at 50-90% lesser than market prices, saving over Rs. 10,000 crore for the people since 2019.

Due to many inter-connected new steps & initiatives, India has seen a sharp decline in extreme poverty in recent years, prompting even the top multilateral organizations like World Bank and International Monetary Fund (IMF) appreciating India’s efforts towards reducing extreme poverty. A World Bank working paper has extolled the efforts of the Government of India with regard to extreme poverty in both rural and urban areas. The paper says that extreme poverty fell by 12.3% points to 10.2% in 2019, from 22.5% in 2011. According to the same paper, extreme poverty in rural areas dropped by 14.7% points, while in urban areas it fell by 7.9% points. Whereas, IMF’s paper says- PM Narendra Modi’s food security scheme proved crucial in keeping the extreme poverty levels checked in India even during the Covid-19 outbreak.

The IMF working paper furthers- the proportion of people living in extreme poverty, which is at less than 1%, did not go up despite the excruciating Covid-19 pandemic, attributing this achievement of the Government of India to free food grains provided under PM Modi’s Garib Kalyan Anna Yojana during pandemic. The paper says, a government which is serious about poverty alleviation, must do two things- first, a programme should be in place to ensure that the poor are lifted out of poverty and second – providing a social security net that protects the poor from falling back into poverty. Interestingly, both these factors are well taken care of in India’s current poverty alleviation approach.

Paving the way for Co-Operative Development

The financial co-operative institutions, which trace back their origins to the 19th century, were established across jurisdictions with the objective of extending loans at affordable prices to the unbanked population. Amongst such institutions, the services of credit unions are exclusive for their members, who share a common profession, entrepreneurship interests or location. In contrast, co-operative banks offer services to non-members as well. There is immense potential for development and empowerment of farmers, agriculture and rural areas of the country in the cooperative sector, spurring the government agencies to take many unprecedented decisions to empower the sector with the mantra of ‘Sahakar Se Samriddhi’. In just around a year of its existence, many old demands and problems of the cooperative sector have been resolved by the new Ministry of Cooperation.

The rural co-operative credit system in India is primarily mandated to ensure flow of credit to the agriculture sector. It comprises short-term and long-term co-operative credit structures. The short-term co-operative credit structure operates with a three-tier system – Primary Agricultural Credit Societies (PACS) at the village level, Central Cooperative Banks (CCBs) at the district level and State Cooperative Banks (StCBs) at the State level. PACS are outside the purview of the Banking Regulation Act, 1949 and hence not regulated by the Reserve Bank of India. During last one year, RBI has taken important steps to increase credit flow through cooperative banks, announcing three very important policy decisions for the sector.

Firstly, the limit of individual housing loan has been doubled for Urban Co-operative Banks and more than doubled for Rural Co-operative Banks. With this decision, the individual housing loan limit for tier-1 Urban Cooperative Banks (UCBs) has now been increased from ₹30 lakh to ₹60 lakh, for tier-2 UCB from ₹70 lakh to ₹1.40 crore, and for Rural Cooperative Banks (RCBs) these have been increased from ₹20 lakhs and ₹30 lakhs to ₹50 lakhs and ₹75 lakhs respectively. In another major decision, RCBs have been allowed to lend to Commercial Real Estate Residential Housing sector, which will increase the scope of our Rural Co-operative Banks and also give impetus to the resolution of providing affordable houses to the people, facilitating better flow of credit to the housing sector, which caters to the needs of lakhs of people especially from the middle class. In the third major decision, now UCBs will be allowed to provide door step banking facility to their customers like commercial banks.

These decisions have given new impetus to the development of the cooperative sector. The increase in credit flow to the housing sector through co-operative banks will lead to an increase in economic activity, increase in capital formation and employment generation, which will have a multiplier effect on the economy. Now, with these changes made by the RBI, cooperative banks will also get a level playing field in the competitive banking sector. Now one can say that co-operative model can be emulated in various other sectors with a continuous push from the government for boosting the economy of the country.

Tribal Research for Conservation and Meaningful Development

India has established ‘National Tribal Research Institute (NTRI) in Delhi to focus on the development of tribes and conservation of their art, culture and heritage. The newly built institute is positioned as to become the nerve centre of tribal research issues and matters in academic, executive and legislative fields as around 10.4 crores tribals living in different parts of the country love their art, craft and cultural threads to be preserved and promoted. Scheduled Tribes (ST) constituting approximately 8.6% of the population of India, also have very close relations with nature and forest geography of the country and may provide great insights.

Realising the importance, the Government of India has recently, focused much on the development of tribes and conservation of their heritage and culture as a priority. The Ministry of Tribal Affairs in line with this vision and its enduring commitment for welfare of tribals, geared itself to ensure sectoral development through enhanced allocation of financial resources, convergence of efforts, re-engineering of planning and implementation mechanism of the Ministry. With an enhanced availability of resources the Ministry is now charting out a new progress path with greater commitment to ensure holistic development of tribal communities. Presently, Tribal Research Institute (TRI) is the research body of the Ministry of Tribal Affairs at the state level, however it focuses more on gathering knowledge and research and less as a think tank for tribal development and preservation of tribal cultural heritage.

NTRI and similar institutions of national eminence have a great role in nation-building as collaboration and networking with reputed research institutes, universities, organizations, academic bodies and resource Centres is essential to further the cause effectively. Monitoring projects of tribal research institutes, centres of excellence and research scholars of NFS and setting up the norms for improvement in the quality of research and training, will pave the way for better understanding of socio-cultural dynamics of the society, history, nature and geography, as tribals are widely considered to be the original inhabitants of the land.

The new institute would also provide policy inputs to the Ministry of Tribal Affairs as well as state welfare departments, design studies and programs that improve or support socio-economic aspects of tribal lifestyles and help in creating and maintaining the database of PMAAGY. It will also provide guidelines in setting and running of tribal museums and showcasing rich tribal cultural heritage of India under one umbrella.

In recent years, tribal artisans, tribal produce and tribal dance troupes have attracted attention as they are invited to showcase their indigenous products and performances across the country. The scheme of Mechanism for Marketing of Minor Forest Produce (MFP) through Minimum Support Price (MSP) and Development of Value Chain for MFP covers various activities. Hence, expanding knowledge base about tribals, their art, culture, heritage and produce is the need of the hour.

Garib Kalyan Sammelan – A war against poverty

The war is not only on the borders. The vast majority of country has been fighting against poverty. A population impoverished by brutal foreign rule and resultant widespread scarcity of resources has been living in a situation seeming like un-winnable battle for a long long time. The onset of Covid pandemic would have meant bengal-famine like starvation situation if not handled properly. From very beginning PM Modi’s focus has been on the inclusive development of the all sections of the society especially that of the poor and needy. Earlier today, PM Modi who was in Shimla, marking completion of eight years of the government, interacted with beneficiaries of different government schemes. He heard them appreciating government’s schemes like Jal Jeevan Mission, PM Aawas Yojana, Pradhan Mantri Kisan Samman Nidhi among others, which have proved to be huge successes with the smooth process giving no reason to face any hiccup in availing the benefits.

Putting asides the discrepancies and difficulties paved on its path, India successfully ventured out with a victorious flag in poverty alleviation and food security to the needy. Only recently, the World Bank hugely appreciated the efforts being made by the Government of India in reducing absolute poverty and robust economic growth that has led more than 90 million people escape extreme poverty with improved living standards, further highlighting PM Modi’s most fulfilling 8 years journey in “Desh Seva”.

Amid a grand welcome and thunderous applause upon reaching Shimla, Prime minister interacted with a host of beneficiaries of different government schemes. During the event, he also released the 11th installment of Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) scheme, which provides a new lease of life to the farmers badly hit by Covid and other occasional natural calamities. Terming himself as the Pradhan Sevak of 130 crore people, PM Modi at the ‘Garib Kalyan Sammelan’ released Rs 21,000 crore to more than 10 crore beneficiary farmers.

During the interactions, farmers shared their experiences about the PM-Kishan Scheme also, which is a central sector scheme with 100% funding from Government of India. Having become operational from 1.12.2018, the scheme gives an income support of 6,000/- per year in three equal installments to all land holding farmer families. Definition of the family for the scheme is husband, wife and minor children. State government and UT administration identify the farmer families which are eligible for support as per scheme guidelines and funds are directly transferred into the bank accounts of the beneficiaries.

Shimla Accord of July 1972 was an attempt of lasting peace with a hostile neighbor which unfortunately did not yield desired results. But, today it seems the hill city Shimla has seen redemption of its reputation that the war against poverty has been given a shot in the arm.

Concept of Family ID card is on the table

From genetics to social perspective to spiritual understanding to occupational and educational choices, a lot depends on family when it comes to development of individuals and young minds generation after generation. This directly and collectively is responsible in defining the tone and tint of India as a country and its national Identity. For Indian democracy too, family stands probably as the most important social institution. In a way family is an inevitable parameter to plan not only for proper welfare delivery but to achieve new growth benchmarks too. For all of this though, a strong data log is a requisite for a planning of this stature. And the concept of a family ID is a topic of interest.

India has been exploring prospects of establishing a “universal family ID” ecosystem in the country – which is to be built on the same concept as Aadhaar card being the unique identification number for every Indian citizen. A miniature implementation of the same can be seen in the Haryana Government’s 2019 move wherein it came up with the ‘Parivar Pehchaan Patra’ (PPP) through which the state government enrolled around 54 lakh families living across the state. Under PPP, each family counts as a single unit and is allotted a unique 8-digit identity number, which becomes the family health id number for each member.

The move can be a game changer for government in especially combating the menace of corruption. This is because of the larger transparency that family ID can bring to the surface, by giving direct details of beneficiary families and cancelling all the goofed-up and old data presently registered in the existing systems. Further, because of the lack of authentication and verification processes, a common challenge the administration has been facing is ‘exclusion’ or ‘duplication’ of beneficiaries from welfare schemes. There have also been cases where beneficiaries belonging to same family have received benefits using different IDs. Presence of PPP protects from such cases to happen. The family identifier card, with a strong data inventory, can help in streamlining beneficiary identification and registration processes, ensure data symmetry and interoperability, in order to ensure smooth transfer of benefits to the public.

Family plays a key role in defining the health status of an individual whether it is through genetics or through shared social and physical environment. In terms of healthcare too, a family ID will mean a complete record of family level health details, a database that can lead to a better health infrastructure and aid facilities by the government. Family data will thus give a lot of inputs to the government, administration and scientific institutions so that they can plan utilisation, consumption and expenditure in an optimal manner and open gates to innovative solutions for a plethora of environmental, physical, educational, and even social ailments. This kind of documentation may even be of great assistance to struggling groups, especially families being run by single-mothers, old guardians, children who have lost both their parents, etc.

As powerful and useful as this idea may be, certain loopholes also need to be taken care of, especially in cases of deaths/births registration, missing documents within families, divorce cases, etc. However, this is a small bottleneck compared to the ease this data can extend. One can go back to the time when the government rolled out the concept of making Aadhar card for all. Though the idea was not loved by many and faced criticisms in the initial years, there is no denying the fact that the full scale implementation by India has led to a massive capacity-building across the country bringing out system excellence, administrative ease and a confidence of taking up projects of large scale implementation. The concept of creating and maintaining family ID records possesses a similar untapped potential.

Commissioning Permanent Empowerment

India continues to invest in health, education, protection, skill-building, including financial literacy, and promoting gender-equitable attitudes and practices among India’s children and youth. This has started showing good results. For the first time since availability of records, India has more females as compared to males. The number of females per 1,000 males has increased from 991 in 2015-16 to 1,020 in 2019-21. The sex ratio at birth has also witnessed an increase from 919 in 2015-16 to 929 in 2019-21. Further, India’s Maternal Mortality Ratio (MMR) has dropped by 10 points, which is a notable achievement. From 113 in 2016-18 to 103 in 2017-19, this ratio is witnessing an 8.8 % decline. Also, the data shows a decline in the crime against women during the year 2020 (3,71,503) as compared to 2019(4,05,326).

Defence is one domain where women have traditionally not been able to break the glass ceiling. Not anymore. Today women are not only working in every wing of the Indian Army, but now they are also getting permanent commissions. The number of women officers has almost tripled in last 6 years. In 2014-15, the number of women officers in the armed forces was around 3,000 in comparison to the 9,118 women officers, who are presently serving in the Indian Army, Indian Navy, and Indian Air Force.

Notably, apart from flying aircrafts in the Navy and Air Force, Indian Army has also paved the way for women pilots by starting the ‘Army Aviation course’. Till recently, women were only part of ground duty in the Indian Army. To recruit women officers in Army Aviation, the Indian Army began the course from July 2021. Earlier, In May 2021, the Indian Army inducted its first batch of 83 female soldiers into the Corps of Military Police (CMP). Till November 2021, the Indian Army granted ‘Permanent Commission’ to 577 women officers since the Supreme Court verdict in February 2020. A Permanent Commission gives a full-time career in the Army till an officer retires. It simply means that if an officer gets selected through Permanent Commission entry, he/she can serve the nation up to the age of retirement (60).

For the first time in history, NDA will recruit women officers, a total of 20, including 10 for army, 3 for navy and 6 for airforce. It is noteworthy that the total number of applicants for the exam was 5,75,856, of which 1,77,654 women appeared for the exam. Earlier, In October last year, the Union Cabinet approved the affiliation of 100 Schools in the Government and private sector with Sainik School Society, which will provide an opportunity for girls to join the Armed Forces and contribute to national security.

Since, the Vedic times, women play a crucial role in the upliftment of society, and by paving way for more & more avenues for women, in not just defence but also in other sectors would lead to a ‘New India’ where men & women are making equal contribution in the overall development of the nation.

Being Celebrated Internationally

Janani Janmabhumishcha Swargadapi Gariyasi (Mother and motherland are even more important than getting two heavens, by doing good deeds). These are the ethos of the land which is known to have a long tradition of equal love, respect and care to feminism. The tide of time and onslaught of varying degrading ideals did harm the harmonic balance of Indian society too. Yet, as we celebrate International Women’s Day today, India indeed has undergone a rapid massive change where the status of women now stands more pedestaled in terms of entrepreneurship, working conditions, security, benefits, awareness and opportunities.

Recent years have seen launch of many helpline numbers to assist women, various schemes aimed at raising awareness, better social promotion, more jobs, improving sex ratio and education status, more participation in fields of business, finance, science, judiciary, and especially in politics and sports. Recalling the beginning of such a tidal change, ‘Beti Bachao Beti Padhao’ is the first scheme that comes to the mind, an empowering initiative through which India has been able to work towards eradication of female foeticide and make girls socially and financially self-reliant through proper education. Another unique initiative is ‘Mahila-E-Haat’, a bilingual online marketing platform, which helps aspiring women entrepreneurs, self-help group and NGOs to showcase their products to the world. In 2017, GoI launched Mahila Shakti Kendras which acts as an interface for rural women so that they can approach the government to avail their entitlements through training and capacity building.

‘One Stop Centre Scheme’, popularly known as ‘Sakhi’, had come into being in 2015 with the ‘Nirbhaya’ fund to provide shelter, police desk, legal, medical and counseling services to the victims of violence. The STEP programme (Support to Training and Employment Programme) is providing skills and competencies to women, leading to employability and assisting them in various sectors like agriculture, horticulture, handicraft, computer handlooms, tailoring, skilling like spoken English, IT- computer, travel-tourism, hospitality, etc. Several financial programmes have also been launched by the government for women’s financial empowerment. Women entrepreneurs are being encouraged to take up challenges, initiatives and explore various possibilities lying all around. These include Mudra Loan for Women, Annapurna Scheme, Stree Shakti Yojana, Dena Shakti Scheme, Bhartiya Mahila Bank Business Loan, Mahila Udyam Nidhi Yojana, Orient Mahila Vikas Yojana Scheme, Cent Kalyani Scheme, Udyogini Scheme among others. To empower women, Government of India has taken many other important measures which include Pradhan Mantri Awas Yojana (Urban & Rural), the National Social Assistance Programme (NSAP), Ujjwala Yojana, Pradhan Mantri Vyay Vandana Yojana (PMVVY), Scheme for Adolescent Girls (SAG) supporting women and girls to be socially secure, the initiatives like Samagra Shiksha, Scheme of National Overseas Scholarship, Babu Jagjivan Ram Chhatrawas Yojna, Swacch Vidyalaya Mission to ensure that schools are girl-friendly especially for vulnerable sections of society and have adequate facilities in place to fulfill their special requirements.

Continuous encouragement being given to women, has resulted into countless women becoming parts of various sectors and services including defence. Women have also started dominating the corporate world enjoying all kinds of heights like CEO. Last year 2021, four women from India figured in Forbes list. Nirmala Sitharaman, Finance Minister, India stood at 37, Roshni Nadar Malhotra, Chairperson, HCL Technologies ranked 52, Kiran Mazumdar-Shaw, Chairperson, Biocon was at 72, and Falguni Nayar Founder & CEO, Nykaa figured at 88 in the list. However, Indian origin Kamala Harris, US Vice-President figured second in this list of 100 most powerful women in the world.

Clearly, all women-centric programmes are meant to encourage their participation in all kinds of activities including formal economy. For mothers and sisters of India, International Women’s Day needs to be looked at as a challenge to strive and become tall personalities of hope, compassion and success. With their tremendous work done in this country and abroad, they need to break the stereotype of only a housewife and become International women.