Hindu01

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Hindu01

  1. 1. Protecting The Vulnerable Providing social welfare to informal sector workers A new integrated model to ensure holistic development of the informal sector TEAM CO-ORDINATOR : VRINDA KAPOOR TEAM MEMBERS GUNJAN SAINI KSHITIJ KUTHIALA SRISHTI SAHU RACHIT AGARWAL Contact : vrindakapoor28@gmail.com
  2. 2. The Current Scenario
  3. 3. A vast majority of Indians earn their living through working in unorganized sector but the present status of social protection is very poor. Output & Employment :  Nearly 92% of India’s workforce falls in unorganized sector  Entire farm sector falls under informal sector  Only one-fifth of non-farm workers in organized segment  In the non-farm sectors, as income increases, share of informal sector declines  Informal sector accounts for 40% of total industrial output and 35% of total exports. Hypothesis :  Compared to employment, the output contribution of informal sector is low.  Suggests the sector is not efficient and must be finding difficult to survive tough competition with organized sector Social Protection :  The NSS data from 1999-00, 2004-05 & 2009-10 employment surveys show that (a) Share of informal sector in non-farm sector has increased (b) Percentage of workers with access to social security has declined  According to the NCEUS, only about 7% of the total workforce in India has any form of social security.  Major areas of vulnerability are: i) illness requiring hospitalization, ii) untimely death of bread winner, iii) unemployment iv) maternity episodes, v) Retirement from work. Hypothesis :  Present schemes lack in design and implementation  Reach needs to be increased
  4. 4. SNAPSHOT OF PROPOSED SOLUTION
  5. 5. PROTECTIVE MEASURES HEALTH INSURANCE ACCIDENT & LIFE INSURANCE OLD AGE PENSIONS
  6. 6. The above solution can be summarised by the following flowchart : CENTRAL GOVT STATE GOVT INSURERS IDENTIFY PEOPLE IN UNORGANISED SECTOR AND MAKE UID’S & BANK ACCOUNTS .A CENTRAL DATABASE IS CREATED FUNDS ALLOCATED PER PERSON ENROLLED HOSPITALS BANKS UID TREATMENT UID FINANCE OFFICER CENTRAL DATABASE POOL OF UNORGANISED PEOPLE
  7. 7. PROMOTIVE MEASURES CHILD CARE SCHEMES SKILL TRAINING PROGRAMMES ORGANISATION INTO ENTERPRISES
  8. 8. S. No. STAKEHOLDER INCENTIVE RECRUITMENT 1. CENTRAL GOVERNMENT The government is able to ensure access to health care and insurance to workers in the unorganised sector. A core committee of officers to look into the efficient working of the system. 2. STATE GOVERNMENT The state and local governments also get funds from the central government per person enrolled. So, they are also provided with a strong incentive to enroll as many people as possible. Needs to set up a committee of around 50 people to help insurers identify workers in the unorganised sector and look after the day-to-day functioning of the system. 3. INSURER Paid premium for each person enrolled. Motivation to enroll as many households from the unorganized sector as possible, resulting in better coverage of beneficiaries. Needs to recruit insurance officers to identify and enrol people. 4. HOSPITALS Paid per beneficiary treated. So, public and private hospitals have incentive to treat beneficiaries as the money from insurer directly flows to them. Can make do with the staff already hired by them. 5. GRADUATE STUDENTS Graduate students are easily tapped in the training programme as they get an opportunity to build their resume and gain training skills. Once the enrolment of all workers are done, the Govt. needs to hire approx. 50,000 students to train them. 6. RETIRED PROFESSIONALS Retired officials have a lot of spare time and they want to use their spare time a productive way. The number will be lower than the number of graduate students but should be around 20,000- 25,000.
  9. 9. FUNDING 2 crore INR 5 crore INR 2 crore INR
  10. 10. FEATURE IMPLICATION/ADVANTAGE 1. Incentive driven scheme (incentives to all stakeholders) • The funds allocated to state govts. ensure political will to implement the scheme wand enroll as many as possible. • Incentives to various stakeholders decreases the possibility of corruption in the model . 3. Use of UIDs(Paperless and cashless scheme) • Biometric cards ensure that only enrolled person can use it. So, the services cant be misused by any other person. • Portability: People can go to any impaneled hospital or bank all over India and get the benefit just by the use of their UID. This helps the migrants as they are not asked for fresh documents at different places. • Paperless and cashless scheme implying illiterates will find no problems. 4. Use of advanced technology and central database • Fights inconsistency problems : A single database for whole country. So, a person enrolling in many districts can be identified by the database with the biometric details fed into the central database. • Ensures monitoring and effective performance • Ensures convergence in various benefits : Various benefits provided using the same scheme ensures convergence, not found in current social policy. IMPACT AND REACH 2. Decentralized scheme • Ensures maximum enrollment of people 5. Child Care Schemes and Skill Training • Flexibility to women: can take up formal jobs • Skill training can enhance employment opportunities and increase income
  11. 11. CHALLENGES AND MITIGATIONS CHALLENGES MITIGATION  CORRUPTION : The insurer may try to enroll illegitimate people in order to gain more funds . 1. Central Officer : An employee from the Central Government can be posted in all districts and verify the legitimacy of enrolled people. 2. RWA: RWAs can also be given the responsibility of verifying the legitimacy.  TIMELY PAYMENTS : The Central government or the insurer may get very late in making payments to the hospitals/banks because of which hospitals/banks can refuse the services to the targeted people.. 1. A legal contract to be signed between all the stakeholders where a time limit for payment is also specified. 2. In case the payment is delayed, heavy penalty imposed on the defaulter . The hurt stakeholder can also take the defaulter to court . 3. Complaint boxes :If any person is denied any service he/she is eligible for, he can register a complaint from any nearby Help Center (via a toll free call)  LOW INTEREST BY TARGET GROUP : The illiterate and unorganised people may not be able to weigh the benefits and not show keen interest in the scheme. 1. Awareness campaigns : By affiliated NGOs and volunteers 2. A help desk by NGOs at the UID Center to help people in all possible ways , including registering complaints  LOW VOLUNTEER TURN-UP 1. Nominal payments based on contribution to the scheme 2.Awareness campaigns in colleges & public places
  12. 12. REFERENCES •Bhalla, S. (2003) : The Restructuring of the Unorganized Sector in India. •Srivastava, R. (2012): Gender and Economic Policy Discussion Forum ‘Engendering Social protection for Informal sector workers’ •www.rsby.gov.in •http://www.epw.in/review-labour/unorganised-sector-workforce-india.html

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