Law and DisorderCrucial matters that came up in the Supreme Court and Delhi High Court indicate a crisis in India’s basic governance. The CrPC and Police Acts clearly lay down that it is the job of DMs and SDMs to maintain law and order, but their role has been taken over by the police with questionable results.
Good Governance For a Better Tomorrow: Year-End Philippine Economic Briefing ...Arangkada Philippines
A presentation by the Philippine Economic Team and the Bangko Sentral ng Pilipinas Governor at the Year-End Philippine Economic Briefing on March 6, 2012
The thrust of this study was to determine the impact of micro credit on the MSMEs sector in CRS,
Nigeria. Three hypotheses were formulated from the research questions and tested by using chi-square statistic
to validate the truth or otherwise of the hypotheses. Ex-post factor research design was adopted and a sample
size of 158 respondents was selected and used for the study. A structured questionnaire was used in obtaining
the data. In testing the hypotheses, all the calculated chi-square values were greater than the critical chi-square
value at the given level of significance and degree of freedom. This resulted in rejecting the null hypotheses
while the alternate hypotheses were retained. The results indicated that micro credit programmes have
significant effect on MSMEs in CRS. Equally, credit administration has a significant effect on the performance
of microcredit programmes and that collateral requirements on MSMEs have significant effect on obtaining
credit from microfinance institutions in CRS. Arising from the findings, the study recommends that government
should make more microcredit programmes available for the development of MSMEs in CRS. There should be
efficiency in credit administration on the part of both government and the private sector so as to enhance the
performance of microcredit programmes in CRS and also collateral requirements should be minimized, while
low interest rate should be charged on micro, small and medium enterprises so as to enhance obtaining of credit
facilities from microfinance institutions in the State.
The development of a viable and sustainable social enterprise (SE) sector can be a powerful driver of economic progress. But the development of an ecosystem conducive to social enterprise requires a shift in the approach for both business and development aims among governments and the societies they manage. Addition of low-cost policy mechanisms can go a long way towards addressing improved development needs through use of SEs. This paper considers how governments can define SEs as for-profit entities in which most of the profits are reinvested, and examines the positive role of government in the growth of SEs. The paper considers the existing literature and research in examining the cases of India, Iran, and Egypt as the basis for developing policy recommendations that can be applied globally. These recommendations include the development of effective legal and regulatory frameworks, incentives for SEs, training and awareness, and financing.
Keywords: social enterprise, emerging markets, hybrids, social entrepreneurship, social business models, India, Iran, Egypt
Law and DisorderCrucial matters that came up in the Supreme Court and Delhi High Court indicate a crisis in India’s basic governance. The CrPC and Police Acts clearly lay down that it is the job of DMs and SDMs to maintain law and order, but their role has been taken over by the police with questionable results.
Good Governance For a Better Tomorrow: Year-End Philippine Economic Briefing ...Arangkada Philippines
A presentation by the Philippine Economic Team and the Bangko Sentral ng Pilipinas Governor at the Year-End Philippine Economic Briefing on March 6, 2012
The thrust of this study was to determine the impact of micro credit on the MSMEs sector in CRS,
Nigeria. Three hypotheses were formulated from the research questions and tested by using chi-square statistic
to validate the truth or otherwise of the hypotheses. Ex-post factor research design was adopted and a sample
size of 158 respondents was selected and used for the study. A structured questionnaire was used in obtaining
the data. In testing the hypotheses, all the calculated chi-square values were greater than the critical chi-square
value at the given level of significance and degree of freedom. This resulted in rejecting the null hypotheses
while the alternate hypotheses were retained. The results indicated that micro credit programmes have
significant effect on MSMEs in CRS. Equally, credit administration has a significant effect on the performance
of microcredit programmes and that collateral requirements on MSMEs have significant effect on obtaining
credit from microfinance institutions in CRS. Arising from the findings, the study recommends that government
should make more microcredit programmes available for the development of MSMEs in CRS. There should be
efficiency in credit administration on the part of both government and the private sector so as to enhance the
performance of microcredit programmes in CRS and also collateral requirements should be minimized, while
low interest rate should be charged on micro, small and medium enterprises so as to enhance obtaining of credit
facilities from microfinance institutions in the State.
The development of a viable and sustainable social enterprise (SE) sector can be a powerful driver of economic progress. But the development of an ecosystem conducive to social enterprise requires a shift in the approach for both business and development aims among governments and the societies they manage. Addition of low-cost policy mechanisms can go a long way towards addressing improved development needs through use of SEs. This paper considers how governments can define SEs as for-profit entities in which most of the profits are reinvested, and examines the positive role of government in the growth of SEs. The paper considers the existing literature and research in examining the cases of India, Iran, and Egypt as the basis for developing policy recommendations that can be applied globally. These recommendations include the development of effective legal and regulatory frameworks, incentives for SEs, training and awareness, and financing.
Keywords: social enterprise, emerging markets, hybrids, social entrepreneurship, social business models, India, Iran, Egypt
The Rule of Thumb – Mobiles for Governance in India VodafoneIN
“The Rule of Thumb – Mobiles for Governance in India”, a report that explores India’s governance challenge across six dimensions: Voice and Accountability, Political Stability, Government Effectiveness, Regulatory Quality, Rule of Law and Control of Corruption.
M-governance utilizes mobile technology such as mobile phones, pagers, laptops, tablets, personal digital assistants and two-way radios to improve benefits for citizens, businesses and government. With over 930 million connections and 13% of the global mobile users, India has a unique opportunity to leverage mobile technology to take good governance to its citizens across the country, states the Rule of Thumb – Mobiles for Governance in India report.
Micro Financing Of Small and Medium Enterprises (Smes) In Zambiainventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
Conditional Cash Transfers in Latin America– achievement and challengesUNDP Policy Centre
IPC-IG’s Research Coordinator, Dr. Fábio Veras Soares participated in the international workshop on “(Conditional) Cash Transfer Programmes (CCTs) in the Arab Region”, in Beirut, Lebanon, from 19 to 20 July. The workshop was organised and hosted by the United Nations Economic and Social Commission for Western Asia (ESCWA), in cooperation with the Food and Agriculture Organization of the United Nations (FAO), the International Labour Organization (ILO), the UN Educational, Scientific and Cultural Organization (UNESCO), the UN High Commissioner for Refugees (UNHCR), the UN Children’s Fund (UNICEF), the United Nations World Food Programme (WFP), and the World Bank. The event brought together ministers and officials from ten countries across the Arab region that have already implemented cash transfer programmes or are planning to design one.
Contemporary Global Challenges and Technology Solutions. Abraham Paul
How to tackle Contemporary Global Challenges: 1.Poverty due lack Jobs, Agricultural/Farming Income for minimum livelihood. 2. Corruption and Black Money due to a few amassing and hoarding wealth that widen gap between Rich and the Poor. 3. Heavy burden of Duties and Taxes on Common People. 4. Proliferation of Terrorism of sorts across the World. 5. Degradation of Cyber Security and Privacy, with an amazingly simple Technology Solution. Universally Governments Operate Money As Commodity. #UGOMAC
Contemporary Global Challenges and Technology Solutions.Abraham Paul
How to resolve most of Contemporary Global Challenges viz;Poverty, Corruption and Black Money, Heavy Duties and Taxes, Proliferation of Terrorism, Distortion of Cyber security & Privacy in the net with amazingly simple advance Technology Solutions. Please see in the article link: wp.me/p1ZsI2-1eJ
Improving Nigeria Social Protection System under Social Assistance by Adaptin...michael onoja
Nigeria located in West Africa is one of the developing countries that has not fully benefited from the Bismarckian model because of the large size of its informal economies.
David Allan: Update & Top 5 PFM Disclosure IssuesEthical Sector
On 16 March, the Myanmar Centre for Responsible Business (MCRB) and ASEAN CSR Network (ACN) hosted a workshop in Yangon for senior managers of Myanmar companies on anti-corruption practices.
Read more: http://www.myanmar-responsiblebusiness.org/news/combatting-corruption-in-myanmar.html
The Rule of Thumb – Mobiles for Governance in India VodafoneIN
“The Rule of Thumb – Mobiles for Governance in India”, a report that explores India’s governance challenge across six dimensions: Voice and Accountability, Political Stability, Government Effectiveness, Regulatory Quality, Rule of Law and Control of Corruption.
M-governance utilizes mobile technology such as mobile phones, pagers, laptops, tablets, personal digital assistants and two-way radios to improve benefits for citizens, businesses and government. With over 930 million connections and 13% of the global mobile users, India has a unique opportunity to leverage mobile technology to take good governance to its citizens across the country, states the Rule of Thumb – Mobiles for Governance in India report.
Micro Financing Of Small and Medium Enterprises (Smes) In Zambiainventionjournals
International Journal of Business and Management Invention (IJBMI) is an international journal intended for professionals and researchers in all fields of Business and Management. IJBMI publishes research articles and reviews within the whole field Business and Management, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
Conditional Cash Transfers in Latin America– achievement and challengesUNDP Policy Centre
IPC-IG’s Research Coordinator, Dr. Fábio Veras Soares participated in the international workshop on “(Conditional) Cash Transfer Programmes (CCTs) in the Arab Region”, in Beirut, Lebanon, from 19 to 20 July. The workshop was organised and hosted by the United Nations Economic and Social Commission for Western Asia (ESCWA), in cooperation with the Food and Agriculture Organization of the United Nations (FAO), the International Labour Organization (ILO), the UN Educational, Scientific and Cultural Organization (UNESCO), the UN High Commissioner for Refugees (UNHCR), the UN Children’s Fund (UNICEF), the United Nations World Food Programme (WFP), and the World Bank. The event brought together ministers and officials from ten countries across the Arab region that have already implemented cash transfer programmes or are planning to design one.
Contemporary Global Challenges and Technology Solutions. Abraham Paul
How to tackle Contemporary Global Challenges: 1.Poverty due lack Jobs, Agricultural/Farming Income for minimum livelihood. 2. Corruption and Black Money due to a few amassing and hoarding wealth that widen gap between Rich and the Poor. 3. Heavy burden of Duties and Taxes on Common People. 4. Proliferation of Terrorism of sorts across the World. 5. Degradation of Cyber Security and Privacy, with an amazingly simple Technology Solution. Universally Governments Operate Money As Commodity. #UGOMAC
Contemporary Global Challenges and Technology Solutions.Abraham Paul
How to resolve most of Contemporary Global Challenges viz;Poverty, Corruption and Black Money, Heavy Duties and Taxes, Proliferation of Terrorism, Distortion of Cyber security & Privacy in the net with amazingly simple advance Technology Solutions. Please see in the article link: wp.me/p1ZsI2-1eJ
Improving Nigeria Social Protection System under Social Assistance by Adaptin...michael onoja
Nigeria located in West Africa is one of the developing countries that has not fully benefited from the Bismarckian model because of the large size of its informal economies.
David Allan: Update & Top 5 PFM Disclosure IssuesEthical Sector
On 16 March, the Myanmar Centre for Responsible Business (MCRB) and ASEAN CSR Network (ACN) hosted a workshop in Yangon for senior managers of Myanmar companies on anti-corruption practices.
Read more: http://www.myanmar-responsiblebusiness.org/news/combatting-corruption-in-myanmar.html
IOSR Journal of Business and Management (IOSR-JBM) is an open access international journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
PowerPoint presentations from Fundación Capital's South-South Knowledge Exchange Forum, organized with support from IFAD "Leveraging Opportunities to Encourage Financial Inclusion"
Similar to Case for Conditional Cash Transfer (20)
G2P Payments are now assuming an important delivery model in building the framework for including excluded category.It discusses how it saves government's delivery channel while opening up other vistas
In view of the next level Inclusive Growth Agenda at the crucial juncture of midcourse review on the Millennium Development Goal this as prepared and presented at Jakarta, Indonesia at the Beacon events
Speeding Financial Inclusion through Bc Bf Model in India - 2009Santanu Sengupta
At the request of CAB-CALLING a prestigious journal of RBI India I produced this article which was published in the journal in August 2009.for BC- BF it as early days and I see today on the ground it is happening, albeit, ever so slowly .But at least frame work is in place and the govt is seriously is directing the efforts as I suggested they ought to
1. Effective Conditional Cash Transfer as a
Development Tool in India
30th Skoch Summit
14th Thinkers & Writers Forum
Hotel Shangrila
September – 18-19th 2012
New Delhi
Santanu Sengupta
Secretary, Change Innovators Society
& Director, ACMFI - African Centre
for Mobile Financial Inclusion
2. Revisiting CCT : Definition
CCT is an effective way of government spending,
like education, healthcare, particularly on Women folks to
come out of their vulnerability during child birth, sanitation,
road development and community projects, where the
beneficiaries earn wages or stipends against a specific set of
tasks.
Modern day CCT is highly structured, following the success of
the Bolsa Familia programme in Brazil and sweeping Latam
Ms Pamela Cox deputed as ADB Vice president in charge of
Asia Pacific at Manila, Philippines for embarking on a mission
mode programme in the Far East.
3. •
Cont…
Outside China, Indonesia, Indo-China, Vietnam and now even
Myanmar is in big focus for such financial inclusion as a pivot
for further equitable & inclusive growth in the region.
But real test lies in South Asia, a melting pot of 1.7 billion
people is the next biggest common market of all. And
everything boils down to India’s story of inclusion & by skillful
adoption of CCT.
The steps taken in this direction, with UID, cashless payments
through MNREGS, various state government initiatives to stop
the huge unproductive leakages, IS a questionable, debatable
issue leading to this important question.
Will CCT work in India?
4. Various forms of CCT
A brief mention has been made about why these
programme now being called CCT as an ECONOMIC
instrument whereby the governments of varying
ideological bias has been increasingly relying on such
instruments as a public policy. The underlying theme is
pretty simple.
5. - Address the need of the vulnerable section and provide budgetary
support for them
- Instead of generalized subsidy it is targeted and designed and aimed
at delivering to the targeted segment of the society.
- It is designed and made in such a manner that the benefits that accrues
to the beneficiaries are discernible to them and they willingly embrace
it with renewed vigour.
- Governments have by and large by these methods minimized leakages
and have been able to lessen the intermediation and wastage.
- By doing so these targeted investments have been helping form long
term assets to a country, saving costly outages, and mismanagement of
development funds, reduction of cost, and most of all a prosperous
healthier society.
6.
Replacement of Archaic law & regulations by more modern
practical enactment .
- Usage of ICT platform & enabling environment & electronic
payment gateway.
- Delivery mechanism of cash, direct to the beneficiaries.
- Attachment of conditionalities easily identifiable by the
beneficiary to induce her/him to use.
- Multilayer propagation and capacity building programme
popularize the programmers' for awareness development
- Strong supervisory control at various levels so that the
programme becomes a success story.
Continuous up-gradation and changes to the initiated one
following rapid transformation and changing needs of the
beneficiaries.
9. How it worked in other countries
CGAP has a series of country report on G2P,
highlighting how the Latin American countries have
managed their social inclusive programme through
effective CCT. The report by Sarah Rotman and her
team has been initially documented in 2009 and later
published in the form of a PPT
For general viewing in Slide share. I am drawing some
relevant slides and references from the country reports
on Brazil, Mexico, Colombia & South Africa.
10. We find that during Lula government’s first term,
6.57 million were enrolled out of 197 million population or
barely about 3%.
In the interim 2006-2009 it remained in a plateau at between
10.97 10.94 10.56, and then spurted further to 13 million at
the end of 2011, still below 10% of the overall population.
But the impact and the effectiveness of 3 conducted
programmes, that President Lula’s workers Party continued to
hold on to poor impressively even on to the next incumbent
Dilma Roussef, successor of President Lula.
A brilliant public policy shift, initiating a worldwide trend.
WHY SO? Let us refer to the report by CGAP
11. We find that during Lula government’s first term,
6.57 million were enrolled out of 197 million population or
barely about 3%.
In the interim 2006-2009 it remained in a plateau at between
10.97 10.94 10.56, and then spurted further to 13 million at
the end of 2011, still below 10% of the overall population.
But the impact and the effectiveness of 3 conducted
programmes, that President Lula’s workers Party continued to
hold on to poor impressively even on to the next incumbent
Dilma Roussef, successor of President Lula.
A brilliant public policy shift, initiating a worldwide trend.
WHY SO? Let us refer to the report by CGAP
14. Oportunidades which was started
during the 1994 financial crisis
enrolled roughly 300,000 people
initially has now covered more than
30 million Mexicans till 2010.
25. What are G2P payments?
Government-to-Person Social Safety Net
(G2P) Payments (SSN) Programs
Employee Payments Social Transfers Noncash Support
(wages, pensions)
To better off Conditional Food
employees Transfers
To low-income Unconditional Price Subsidies
170 million
employees Transfers
Workfare Fee Waivers
MILLIONS
35. Who Plays what role
Rural Scene
URBAN SCENES
Data Centres
Citizens
36. TARGET CLIENTS / BENEFICIARIES
Business Centre
People
Govt
Business People
Centre
Money
Transactions
37. CCT: RelevanceRelevance to India
to India
We have examined some major initiatives across the world except
the P4 G2P programme which has significant CCT progamme inbuilt
into it in Philippines.
In India’s case it is imperative for us to remember that India
happen to be one of the foremost countries in the world which has a
huge subsidy based social inclusion programme totalling close to a
hopping Rs 135000 crore or close to $ 27 billion.
Despite that on individual scale our Human development index has
been pretty poor and perhaps the worst amongst the BRICS nation.
38. India perspective : continued
- Like PDS intended for the poorer section finds its way into the black
market and poorer section suffers. Same applies to subsidized Kerosene,
Cooking gas and many other central or state benevolent progammes
which as struggling to be effective tool for looking after the poorer
section as there as hardly any effective frame work for monitoring the
pooling essential data for the beneficiary clients.
- During the 1st UPA regime it forged the ideation of NREGS as discussed
and UPA tentatively started 100 days guaranteed work in about 100
districts in the country as pilot phase. Despite sketchy initially it later
transpired to be a grand success for the UPA.It has extended to other
remaining Districts.
Cont……
39. - But in the practical discourses or implementation time both identification
as also awarding of jobs, work audit, and finally payment to the
beneficiaries is delayed beyond reasonable limits.
- Due to all these negative aspects India’s policy planners have been
mulling actively using CCT as a tool to minimize all these negative
aspects of the development assistance programme buoyed by the
success story of the NREGS programme.Let us examine in the light
of the current CCT proliferation who CCT can play an upshot to the early
success of MNREGS and beyond, and that it cannot.
- MNREGS can be the mother of all CCTs, if it could be streamlined
effectively as the Think tank is seriously trying. Hence I would not like to
delve deep into its functioning, because MNREGS is bringing gradually a
huge numbers of core competent areas like ICTs & management for
financial services delivery in place. …………………………..Contd..
40. Conclusion
•
In continuation of the big bang reforms push the UPA II is trying to fast track
reform agenda in to parallel tracks while trying to give a direction to the beleaguered
economy . In the social sector the policy is :
1) Target the needy and make sure the Safety net covers reaches them
2) Attack leakages, pilferages and wastage thereby reduce subsidy burden .
But in doing fine balancing act whether it actually does manage to do it or bring
further confusion and burden to the common man will be an acid test of the regime.
• But it is possible to emulate this paradigm shift better than even the LATAM
BRETHREN, despite their early start they have, if MNREGS, UID, eGov, Financial
Inclusion and many other parallel initiatives are harnessed under a Centrally
monitored programme with very stringent evaluation & impact measurement
tools to make it work on the ground.
• CCT part 3 will be the final series culmination in the next Skoch programme
prescribing ho it can be effectively work in India to a better managed inclusive
society.
41. Thank You
Santanu Sengupta
Director, Corporate Affairs and Finance
ACMFI - African Centre for Mobile Financial Inclusion
santanu@acmfi.org/acmfi2010@gmail.com