Sunday, February 19, 2012

EPW Readings

1- Accessing Institutional Finance: A Demand Side Story for Rural India

Under the Reserve Bank of India’s “financial inclusion” campaign, the provision of institutional finance has been progressing at differential rates across the country. However, when we pair administrative banking data on availability of bank branches in a state with the All India Debt and Investment Survey (2002-03) capturing both institutional and non-institutional borrowing by households, we find that states with the most access to institutional finance, or supply, are not necessarily the ones with the most demand for finance. Looking at household level data within each state we identify determinants of institutional borrowing, and some of the strongest predictors for accessing institutional finance. A number of empirical regularities emerge in terms of the importance of having assets like land for borrowing, which undermines the basic philosophy of financial inclusion.

2- Crop Insurance in India : Scope for Improvement

The National Agricultural Insurance Scheme is vital for providing insurance cover to farmers, across regions, across seasons and across crops. This paper comprehensively reviews the NAIS and suggests changes to make it more effective. The paper is based on a detailed analysis of exhaustive data for 11 crop seasons, covering the rabi season of 1999-2000 onwards up to the same in 2004-05. Field investigations were also conducted in Haryana, Rajasthan, Andhra Pradesh, Madhya Pradesh and Gujarat to assess the response of farmers, bankers and other stakeholders. The authors also rely on discussions with knowledgeable persons like government functionaries from the department of agriculture, bankers, academicians and farmer representatives in Nagpur, Jaipur and Hyderabad.

3- Case for Caste-based : Quotas in Higher Education

The roots of discrimination in India go so deep that social and economic disparities are deeply intertwined, although in increasingly complex ways. We still need reservations for different groups in higher education, not because they are the perfect instruments to rectify long-standing discrimination, but because they are the most workable method to move in this direction. The nature of Indian society ensures that without such measures, social discrimination and exclusion will only persist and be strengthened.

4- Can We De-Stigmatise Reservations in India?

The “politics of recognition” that Other Backward Classes have set into motion has its own set of terms and dynamics that contrast well with that of the dalits’ political discourse. The politics of obcs have now brought into the public domain issues that are likely to change the very terms of discourse in which the debate on reservations was pursued for the last three decades. The obc discourse on reservations has de-stigmatised policy; obcs have also articulated their demands beyond community concerns by bringing up issues related to regionalism and linguistic assertion. These can influence the very grounds on which public institutions, policy and political processes have, so far, been perceived and pursued in Indian politics.

5- Caste, Politics and Public Good Distribution in India: Evidence from NREGS in Andhra Pradesh

This paper attempts to measure the effect of castereservation policies on the provision of public goods and services in gram panchayats in Andhra Pradesh using data from the National Rural Employment Guarantee Scheme. The investigation finds that the effect of reservation varies tremendously in different social, political, and institutional contexts, shedding light on the conflicting results of similar studies. It provides important lessons for future research and policy about the caste-political conditions in which reservation can produce positive or perverse results.

6- Understanding the Andhra : Crop Holiday Movement
Why would farmers keep their own land fallow as part of a voluntary “crop holiday protest movement” in a part of Andhra Pradesh is a question that has puzzled many. A field visit to the Konaseema region reveals that the dynamics of class contradictions in the area are also responsible for the nature of the movement that goes beyond the issue of remunerative prices.

7- Developmental Crisis and Dialectics of Protest Politics : Presenting the Absent and Absenting the Present

There is not just a crisis of development today, but also a crisis of ideas for emancipatory forms of development. What is needed from progressives is a rigorous theory that must acknowledge what is present (class exploitation, imperialism, national and social oppression, profit-driven ecological destruction, gross commercialisation of all spheres of human life including  culture and social relations) but also what is absent (collective democratic control over our lives, our planet, our bodies, our destiny, our culture). That should be the start of the process of bringing about fundamental changes in the status quo.

8- Building a Creative Freedom : J C Kumarappa and His Economic Philosophy

Joseph Cornelius Kumarappa (1892-1960) was a pioneering economic philosopher and architect of the Gandhian rural economics programme. Largely forgotten today, Kumarappa’s life-work constitutes a large body of writings and a rich record of public service, both of profound significance. A critical intellectual engagement with his life-work can shed new light on some of the most fundamental constituents of the human economic predicament, and also contribute to a more nuanced understanding of one of the most fecund periods in modern Indian history.

9- Diary of a Moneylender

Debates about the role of the moneylender in the rural credit scenario tackle two conflicting images. One sees the moneylender as a resilient entity calling for his future involvement in the process of rural development, and the other sees him as an exploiter to be slowly weeded out. To get a more nuanced account of his role, a diary kept by a moneylender operating in a village in the Anantapur district of Andhra Pradesh is analysed here. Even a cursory reading of this diary gives rich details on the scale and importance of the transactions carried out by the moneylender. Through this diary, formal lending agencies, be they banks or microfinance institutions, which have plans to supplant the moneylender will gain rich insights into the role played by this ubiquitous entity.

10- Critique of the Common Service Centre Scheme

The Common Service Centre scheme aims to establish nearly three lakh rural internet kiosks across India. A recent evaluation study, however, found poor demand among users and delayed roll-out of government-to consumer services, causing losses and attrition among private operators of the scheme. There is space, therefore, for greater engineering of public good outcomes by tying financial incentives to computer education goals.

Wednesday, February 15, 2012

Rural Management GD-PI Preparation

Later Addition (Jan 2020): Diary of Rural Manager ! on the jobs, career prospects, and life of a rural management graduate.

I was an aspirant for the rural management program last year. I applied for both XIMB and IRMA. I tried to write down a possible list of the question that may be asked by the interview panelists. Please customize the questions as per your needs.

01- Describe yourself in 3 words?
02- Tell us about yourself and your family background.
03- What is success according to you?
04- What is an Urban area?
05- Why do you think you are suited for RM?
06- Why you pursued Engineering at graduation?
07- Why do you switch to the IT industry after a degree in mechanical engineering?
08- What is Development? What is development according to you?
09- Why IRMA/XIMB/TISS?
10- Would you like to ask any questions from us? Would you like to ask any questions from us?
11- Why Rural and What is Rural? Why did you think about rural?
12- Why prepare for rural management, not for the AGM course at IIMs?
13- Is there any business plan in your mind and how it will benefit rural people?
14- So how is the campus, when did you reach it? How do you feel about Gujarat/ Orissa/ Mumbai? What is your first impression?
15- Have you done self-analysis. What are your strengths and weaknesses? Briefly outline your strengths? Briefly outline your weaknesses?
16- Why do Companies see bright prospects in Rural India?
17- Why should we select you or special points? 5 reasons why should we select you? Give one reason why should we select you?
18- Give one reason why we don’t select you?
19- Describe the nature of your work experience, responsibilities, and achievements.
20- Have you any experience of scholarly work?
21- Do you think development activities require a lot of money?
22- What is leadership according to you? Can you cite any example from your life where you demonstrated it?
23- Do you think you will be able to switch from a metro city to a rural area? why?
24- Tell us something which is not written in the resume?
25- How will you convince the poor villager to send his children to school? What incentives are on offer if he sends his children to school?
26- What kind of things have you done in the office other than work? What did you learn and understand from this?
27- There's enough aid flowing in. And yet, things aren't turning out the way they should. Why?
28- How do you plan to fund your studies? You will be requiring loans or your family would pay it?
29- How did you come to know about the institute?
30- Why management? Can you not serve a rural population with your technical skills?
31- You can do MBA from another college, and earn in lakhs, why rural management and get less paisa?
32- Why is there a need to work for rural people?
33- How can technology help the rural sector?
34- After working in AC rooms for around 3 years in the software industry, will you be able to able to adjust the demanding job profile of a rural manager?
35- The software industry is a lucrative industry then why do you want to join IRMA?
36- Asked about what I liked in the company you work for?
37- How can you use mech engg knowledge and IT exp in rural development. How will your expertise from your work ex bring about change in a village?
38- How do you relate to the background and how do you plan to apply? What part could technology play in rural development?
39- What can computers do for farmers? Explain the limitations of IT-based initiatives?
40- From where did this rural thing come to your mind?
41- Suppose you are to develop a business model for a village. How would you do it?
42- What do you mean by community service or welfare?
43- What all community work have you done?
44- What do want to convey by research and investment in the rural sector?
45- What would be my first step to develop rural people ... if I were the PM of India?
46- What is the difference between India and Singapore?
47- Gave a situation "Some money is given to a rural person through micro-credit. How will you ensure to get it back?"
48- How education of elders will ensure the development of the rural sector?
49- How will you bring about changes in a village which has been neglected over the years?
50- How will you change the mindset of a farmer towards genetically modified crops and convince him to make the switch?

Brief Idea about - Poverty, Migration, Education Policy, Agrarian policy, E-Governance, HDI, Microfinance, Annual Budget Plan, Poverty Line, GDP, PPP, PCI (Per capita income), Information of Home state and city, Various central and state(home) government schemes, NRLM, NREGA, NRHM, Panchayati Raj, PESA, Free Trade, Fair Trade, ICT (Information and communications technology), Welfare State, Market Economy, PURA, Major Sectors of the Economy, Green Revolution, Rabbi- Kharif Crops, Name of few scheduled tribes, National Food Security Mission, BT crops, Land reforms, AMUL, White Revolution, IMR, MMR, Literacy Rate, Working Population, Disguised, Seasonal and Under Employment, Polio Mission, Chipko Andolan, CRISIL Ratings, Economic Recession, Sarva Shiksha Abhiyan, Five Year Plans, Bottom of Pyramid (BOP), NABARD, BRIC, UID Aadhar, Lokpal Bill, Rainfed Area, Inflation, Cash Crop, Public Distribution System, Rain Water Harvesting, WTO, etc etc...

Read about NGOs like Pratham, Gram Vikas, Goonj, PRADAN, BASIX, SEWA.

Sunday, January 22, 2012

Ten Issues - 20

1- Food Politics: How the present National Food Security Bill will deepen Food Insecurity by Dr Vandana Shiva.

2- How To Learn the Language of Evil - Alan Wolfe's Political Evil offers lessons liberals especially need. A review By Michael Ignatieff.

3- Five Things You Should Stop Doing in 2012 by Dorie Clark who is a strategy consultant who has worked with clients including Google, Yale University, and the National Park Service. [HBR]

4- Why I Hire People Who Fail by Jeff Stibel who is Chairman and CEO of Dun & Bradstreet Credibility Corp. [HBR]

5- On Public Funding of Colleges and Towards a General Theory of Public Options : If we want to wonder why public education is becoming expensive it is in part because we aren’t supporting it as much as we were in the past.

6- Why Software Is Eating The World : Instead of constantly questioning their valuations, let's seek to understand how the new generation of technology companies are doing what they do, what the broader consequences are for businesses and the economy and what we can collectively do to expand the number of innovative new software companies created in the U.S. and around the world.

7- FDI in Retail: A new battleground at IIM Marketers blog.

8- The Decline but Not Fall of Hierarchy : What Young People Really Want : Western education imparts the idea that if we don’t have someone supervising our work, we’ll fall into a dangerous state of low productivity and collective lethargy. But examples like the rise of Google show that youth flourish in an environment with little hierarchy.

9- The global crisis has presented India with a historic opportunity to grow faster, but according to Pratap Bhanu Mehta, head of a leading independent think tank, the country is unable to capitalise on it owing to political and macro-economic mismanagement. In an interview with Santosh Tiwari, Mehta strongly criticises the Congress for ineptitude.

10 - Distant from Prosperity: The rural Indian economy, 1993-2005 - What has happened to the Indian economy over the last two decades ?

Thought of the Week : One thing life has taught me: if you are interested, you never have to look for new interests. They come to you. ... All you need to do is to be curious, receptive, eager for experience. And there's one strange thing: when you are genuinely interested in one thing, it will always lead to something else. - Eleanor Roosevelt, You Learn by Living (1960)

Saturday, January 21, 2012

Ten Issues - 19


1- Who Represents the Poor? by Pranab Bardhan - The Limits of the NGO Movement in Global Development

2- Why the Fight against Poverty Is Failing: A Contrarian View - Abraham George is the founder of The George Foundation, an NGO engaged in humanitarian work in India, and the author of India Untouched: The Forgotten Face of Rural Poverty. In this contrarian essay, he explores why the current strategies that governments and development agencies are employing to reduce poverty are not working the way they should. Among his arguments: Microcredit programs, as they are now practiced in India, do little to help the poor.

3- The great land grab: India's war on farmers - Land is a valuable asset that should be used to better humanity through farming and ecology. An article by Vandana Shiva.

4- Right to Food Campaign's opposition to replacement of PDS with cash transfers : A Google group for interaction and discussion.

5- In Free India I Was Denied Entry' : - Interview of David Barsamian who is an Armenian-American radio broadcaster, writer, and the founder and director of Alternative Radio.

6- Goodbye, Steve Jobs; Long Live Mavericks! by Nalaka Gunawardene.

7- The class warfare the rich don't understand : The Masters of the Universe evaded responsibility and defiantly demanded more sacrifice from their victims, says author.

8- Veteran historian, novelist, and activist Tariq Ali in a recent interview spoke about the challenges facing the Arab revolts, the future of US policy in the Middle East following ‘disengagement’ from Iraq, and the significance of the current movement of dissent taking over the streets and squares of cities across the world. Read on the complete interview at Viewpoint.

9- Putting Growth In Its Place: It has to be but a means to development, not an end in itself. An essay by JEAN DREZE , AMARTYA SEN

10- You can't bank on free speech : An extrajudicial banking blockade imposed on WikiLeaks has caused a 95 per cent loss in revenue for the organisation.

Saturday, January 14, 2012

The year that was....

Year started with interview at IRMA. Failure in IRMA was hard to swallow. As they say, it rains hardest on those who deserve the sun. I learnt in hard way that never make a tall claim. Tall claim have a nasty way of coming back like boomerang to haunt you.

On Leaving CSC : Talent leaves deadwood does not. It is hard to work somewhere without proper training and background. Without context and passion, the life becomes incomprehensible.

Though there are artificial problems, I want to address human problems. I was luckily selected in XIMB. I am in the phase of rebuilding mine career now. I hope to be riding the crest of the wave that hard work has created.

The most terrible poverty is the feeling of being unloved. I found someone special. The truth of the heart can only be seen in the eyes of one who is in love. There is someone in my life. I am seeking the relationship with love and trust despite differences of age, thoughts, hobby and attitude. I am plan to be surprised by the life.

A world with only atheists would be a world with with so less holidays. There is too less holidays and lot of academic pressure here at XIMB. Still, I feel that the pain of discipline is nothing like the pain of disappointment. I have chosen to take the road less travelled on and has found myself alone in the route of rural management program.

Non-conformists always has a minor support base! This is the price one has to pay for breaking or making your own rules. Mainstream only talks but avoid the right path. It is always a dissident, a rebel, somebody always ready to buck the mainstream trend. It is important not to accept a statement as true simply because it was written in a book, but rather to rely on his own mind and reasoning.

Mainstream books and cinema always try to put a clean and family value supporting image and articles. It's few dissdents who reveal the dirty picture! Only few selected movies seen in the second half of the year. Censorship to me is any hurdle or impediment in the way of free speech. I created a secret blog to update daily upheaval and learning at XIMB. Hoping for the growth of ideas of the transparency and open governance.

Unless I have set a right balance between self-confidence and self-doubt, I can't emerge as a good scholar in any field. I am trying to control addictive habits and inculcate new habits. Mission, Vision and Complex problems bring out creative leadership. Hoping for emergence of a quantum of leader in me.

Whatever said here is mostly waste. The rest is silence. That silent part of life is my heart.

The best tweet of 2012: “September 17th. Wall Street. Bring Tent, a simple plea on Twitter that started the Occupy Revolution.