Despite all the irregularities, how industries get fitness certificate from DIFE on yearly basis is a question. Hashem Food started their business in 1982 and DIFE has been certifying it on yearly basis since then.
Global industry observer (GIO) is a monthly journal encompassing 20 industries. GIO’s advantage rests in the diverse range of products and companies at a single platform. It takes a closer look into the companies and products that are analyzed and comprehended with up-to-date data and the changing dynamics of the industries.
The lower place India has as a destination for business investments in India, necessitated overhaul of the existing systems. Make in India campaign, also warranted reforms to make industry structures flexible and employees more productive. While industry associations demand removal of restriction on hiring and firing, reduction of pressures on compensation, bonus and social security, and continuity in operations without strike, union leaders are demanding protection to contract labour, continuation of social security benefits and payment of bonus and freedom to oppose erring employers. Besides central government, state governments like Rajasthan and Maharashtra have announced a slew of reforms in relation to Factories act, Contract Labour act and Industrial disputes act. The approach of the governments is termed by political parties and labour unions anti-labour. There is a demand to involve stakeholders in the process of reforms.
Global industry observer (GIO) is a monthly journal encompassing 20 industries. GIO’s advantage rests in the diverse range of products and companies at a single platform. It takes a closer look into the companies and products that are analyzed and comprehended with up-to-date data and the changing dynamics of the industries.
The lower place India has as a destination for business investments in India, necessitated overhaul of the existing systems. Make in India campaign, also warranted reforms to make industry structures flexible and employees more productive. While industry associations demand removal of restriction on hiring and firing, reduction of pressures on compensation, bonus and social security, and continuity in operations without strike, union leaders are demanding protection to contract labour, continuation of social security benefits and payment of bonus and freedom to oppose erring employers. Besides central government, state governments like Rajasthan and Maharashtra have announced a slew of reforms in relation to Factories act, Contract Labour act and Industrial disputes act. The approach of the governments is termed by political parties and labour unions anti-labour. There is a demand to involve stakeholders in the process of reforms.
The mistaken unsung hero of productivityHumanology
The traditional way to measure productivity focuses on the input, process and output. Industry focuses on the cost optimisation during the input, lean manufacturing, KAIZEN in the process and
the return of investment on the output. However, employee welfare is always labelled and perceived as cost and burden for the industry. This article aims to expose and to reveal the secrets of productivity that have always been the least priority - occupational safety and health.
The takaful market has become more diverse with a tremendous increase in the
number of takaful operators worldwide. In overall, the growth of takaful has been
consistently increasing since 2010. Nevertheless, there is a slight difference between
family takaful and general takaful growth, unfavorably the family takaful. Thus, this
research is carried out to examine the significant factors influencing the choice of
family takaful among its participants. For that purpose, one takaful operator has been
sampled out. The findings relate to three contributing factors to the demand of family
takaful products; benefits, product features and quality services. Based on the
findings, takaful operator should focus in improving the takaful agents’ knowledge
Top Safety News for January, 2020
- OSHA updates recommended safety practices
- Top 10 disabling workplace injuries
- What OSHA is planning for 2020
- OSHA fines in 4th quarter top $8 million
- What's new at ComplianceSigns: NFPA-10 labels, confined space signs, playground warnings and more
INDIAN MANUFACTURING SECTOR NEED FOR A POSITIVE ENVIRONMENT FOR GROWTHNeha Sharma
The Indian Economy, the Government, the public at large and specially the people who are in industry, manufacturing sector, service sector or any other arena of business activity , all are deeply concerned with poor growth rate of manufacturing sector during last 2 to 3 years and specially in 2012-13.
Monthly newsletter of International Council of Security and Safety Management.
The ICISSM web-site (http://sbtyagi.wix.com/icissm), the ICISSM Goggle group (https://groups.google.com/forum/?fromgroups#!forum/icissm), and the ICISSM LinkedIn Group (http://www.linkedin.com/groups?home=&gid=4413505&trk=anet_ug_hm)
Dear Sir/Madam,
This newsletter has been prepared at SRICT – CoE, by a combination of a group of renowned professors and engineering students of SRICT- Ankleshwar and experts of internationally acclaimed consulting organisation in risk management, GEXCON.
It is an e- Newsletter and shall be published bi-monthly.
This newsletter will bring you many features, like activities at SRICT-CoE in the domain of risk assessment, Evaluation of major accidents, CoE-Way Forward and specialized safety assistance to industries.
We are sure that you, as our premium reader, will get immensely benefited by the informed latest decisions on process safety and from the upcoming Certified and Masters courses from University of Bergen (Norway) in Process Safety at SRICT-Ankleshwar.
Sincerely Yours,
Regards,
Govind Keshavrao Patil
Process Safety Engineer – Consulting
Gexcon India
Phone: +91-7304445889
E-mail: govind.keshavrao.patil@gexcon.com
Visiting address: RH 6, Mithila Residency, Ram Indu Park, Baner, Pune.
http://www.gexcon.com
Top Safety News for May-June 2018
• New California Prop 65 Signs Required in August
• OSHA State Plan Employers Must Report Injury Data to Feds
• Forklift Safety Day Can Be Every Day
• What Are PELs?
• What's New at ComplianceSigns: Size Photos, Site Navigation, more
India Inc. endorses Government’s Speed of Decision making and Implementation Agenda. Sumit Mazumder, President, CII, addressed CII's first Press Conference on its National Agenda 2015-16. Since coming to power in May 2014, the new government has adopted several measures to generate positive sentiment about the Indian economy. CII’s theme for the year is to Build India: Invest in Development. This would involve CII’s engagement in four broad areas: promoting growth and competitiveness, developing human capital, promoting infrastructure investments encouraging social development. CII is involved in three national missions – on smart cities, on digital India and on Sanitation in schools. CII is working with central, state and local governments for the successful implementation of these missions.
Tax justice from 100 years old income tax law.pdfM S Siddiqui
Roughly 94 per cent of income-tax revenue comes from tax deducted at source. The Tax deduct as source (TDS) has been imposed at border during release of imported goods and services, supply of goods and services to government and corporates entities. This deduction is on gross sales value but not on net profit. The advances taxes are non-refundable and considered as tax on income. In many cases the tax burden are more than 100 percent of the net income of the business enterprises.
The mistaken unsung hero of productivityHumanology
The traditional way to measure productivity focuses on the input, process and output. Industry focuses on the cost optimisation during the input, lean manufacturing, KAIZEN in the process and
the return of investment on the output. However, employee welfare is always labelled and perceived as cost and burden for the industry. This article aims to expose and to reveal the secrets of productivity that have always been the least priority - occupational safety and health.
The takaful market has become more diverse with a tremendous increase in the
number of takaful operators worldwide. In overall, the growth of takaful has been
consistently increasing since 2010. Nevertheless, there is a slight difference between
family takaful and general takaful growth, unfavorably the family takaful. Thus, this
research is carried out to examine the significant factors influencing the choice of
family takaful among its participants. For that purpose, one takaful operator has been
sampled out. The findings relate to three contributing factors to the demand of family
takaful products; benefits, product features and quality services. Based on the
findings, takaful operator should focus in improving the takaful agents’ knowledge
Top Safety News for January, 2020
- OSHA updates recommended safety practices
- Top 10 disabling workplace injuries
- What OSHA is planning for 2020
- OSHA fines in 4th quarter top $8 million
- What's new at ComplianceSigns: NFPA-10 labels, confined space signs, playground warnings and more
INDIAN MANUFACTURING SECTOR NEED FOR A POSITIVE ENVIRONMENT FOR GROWTHNeha Sharma
The Indian Economy, the Government, the public at large and specially the people who are in industry, manufacturing sector, service sector or any other arena of business activity , all are deeply concerned with poor growth rate of manufacturing sector during last 2 to 3 years and specially in 2012-13.
Monthly newsletter of International Council of Security and Safety Management.
The ICISSM web-site (http://sbtyagi.wix.com/icissm), the ICISSM Goggle group (https://groups.google.com/forum/?fromgroups#!forum/icissm), and the ICISSM LinkedIn Group (http://www.linkedin.com/groups?home=&gid=4413505&trk=anet_ug_hm)
Dear Sir/Madam,
This newsletter has been prepared at SRICT – CoE, by a combination of a group of renowned professors and engineering students of SRICT- Ankleshwar and experts of internationally acclaimed consulting organisation in risk management, GEXCON.
It is an e- Newsletter and shall be published bi-monthly.
This newsletter will bring you many features, like activities at SRICT-CoE in the domain of risk assessment, Evaluation of major accidents, CoE-Way Forward and specialized safety assistance to industries.
We are sure that you, as our premium reader, will get immensely benefited by the informed latest decisions on process safety and from the upcoming Certified and Masters courses from University of Bergen (Norway) in Process Safety at SRICT-Ankleshwar.
Sincerely Yours,
Regards,
Govind Keshavrao Patil
Process Safety Engineer – Consulting
Gexcon India
Phone: +91-7304445889
E-mail: govind.keshavrao.patil@gexcon.com
Visiting address: RH 6, Mithila Residency, Ram Indu Park, Baner, Pune.
http://www.gexcon.com
Top Safety News for May-June 2018
• New California Prop 65 Signs Required in August
• OSHA State Plan Employers Must Report Injury Data to Feds
• Forklift Safety Day Can Be Every Day
• What Are PELs?
• What's New at ComplianceSigns: Size Photos, Site Navigation, more
India Inc. endorses Government’s Speed of Decision making and Implementation Agenda. Sumit Mazumder, President, CII, addressed CII's first Press Conference on its National Agenda 2015-16. Since coming to power in May 2014, the new government has adopted several measures to generate positive sentiment about the Indian economy. CII’s theme for the year is to Build India: Invest in Development. This would involve CII’s engagement in four broad areas: promoting growth and competitiveness, developing human capital, promoting infrastructure investments encouraging social development. CII is involved in three national missions – on smart cities, on digital India and on Sanitation in schools. CII is working with central, state and local governments for the successful implementation of these missions.
Tax justice from 100 years old income tax law.pdfM S Siddiqui
Roughly 94 per cent of income-tax revenue comes from tax deducted at source. The Tax deduct as source (TDS) has been imposed at border during release of imported goods and services, supply of goods and services to government and corporates entities. This deduction is on gross sales value but not on net profit. The advances taxes are non-refundable and considered as tax on income. In many cases the tax burden are more than 100 percent of the net income of the business enterprises.
Bangladesh’s cross border transaction in Chinese RMB.pdfM S Siddiqui
Banks are finally allowed to maintain accounts in Chinese currency RMB with their correspondents or overseas branches for cross-border transactions executed in Bangladesh.
Meanwhile, China has introduced cross-border interbank payments system (CIPS) with the RMB as an alternative trading currency. CIPS payment system offers clearing and settlement services for participates in cross-border RMB payment and trade.
Over the last decade the Chinese government has consistently strived to overcome China’s dependence on foreign supplies in the sector, and as a result China’s market share in semiconductors has increased from 5 percent in 2010 to 13 percent in 2020, more than doubling in ten years. China is moving along with the planned schedule to achieve supremacy in manufacturing semi-conductors.
Evaluation of Bangladesh’s Data Protection Bill.pdfM S Siddiqui
The draft Data Security Law did not make difference between data privacy and data security and a big concern was how to maintain the privacy of such data. The problem is that the government has expressed a controlling attitude to make the law a control mechanism rather than data security and data privacy.
Rights of the nominee vis-à-vis legal heirs.docxM S Siddiqui
Currently, the banks may follow the rule of Bangladesh Bank and the principle of the judgment of the High Court Division that the nominee is entitled to the money of the deceased person and pay to the nominee at the first instance to complete their responsibility. Subsequently, the nominee will be treated as a custodian in case of a succession certificate given by the court and distribute the amount accordingly.
Bangladesh bank’s rules of export documents require an amendmentM S Siddiqui
The Factoring services provide security of payment and financing through transfer of shipping documents along with ownership and rights over the payments. The circular no. 32 (dated October 03, 2021) restricting transfer of document will hamper smooth service of Factoring and export financing by trade finance companies. The BB should revisit the circular addressing the embargo over transfer of full set of documents.
Access to finance for the informal sectorM S Siddiqui
Bangladesh may formulate policies to use these sources to in credit reporting systems. There may be even legal framework like some other some economies to allow the sharing of information from non-traditional sources and authorised CRSPs to prepare CR for MSMEs.
Ad free channel ends unfair privileges to overseas manufacturersM S Siddiqui
The Clean Feed Strategy would give a level playing field to Bangladeshi manufacturers and foreign manufactures. Although late the government has taken a bold decision.
Pandemic recession and employment crisisM S Siddiqui
The policy of Bangladesh Bank and attitude of commercial banks have many challenges to overcome regarding these programmes. They require a change in mind-set and political will to recognize the crisis and probable solution. There should a recognition that informal workers and their livelihood activities represent the broad base of the economy producing essential goods and services not only for low-income customers but also for the general public and for the formal economy.
How to upgrade bangladesh’s banking almanacM S Siddiqui
The confidence of users is a big challenge for an almanac. The authentication of information is a basic criterion of a good almanac. The authority may take initiative to upload the almanac in their web-site and make easily accessible for the end users specially the FI in other countries.
Bangladesh needs rules on odourised lpgM S Siddiqui
It is impossible to detect the leak because of the lack of odour. This has led different countries to enact new regulations that require gas suppliers to odourise LPG.
The experience of the other countries doesn’t support the fear of NBR officials. This conception of officials is a challenge of introduction of PCA in Bangladesh.
With the ratification of the TFA in 2016, Bangladesh has obligation to introduce PCA in the customs rule. The relevant SRO should be issues as early as possible.
Abrupt indian ban on onion seeds not legalM S Siddiqui
Bangladesh became self-reliant in Cattle production after restriction on cattle export / smuggling during last few years. Let's hope that the statistics of Bangladesh Agricultural Department are correct and Bangladesh will hopefully continue to be self-reliant of onion despite Indian ban on export of onion and onion seed.
Miniket may be branded for marketing by any company but cannot claim this as local variety of rich. It cannot be registered under patent act. The fate of Miniket is depends upon teste and demand of the consumers.
Psi of govt purchase contrary to import policyM S Siddiqui
The inspection by government official is against the Import Policy Order as well as it is expensive for the nation and not serving the real purpose. The inspectors are not liable for any incidence of wrong delivery.
Disappearance of border pillars and death from lightning strikeM S Siddiqui
In south Asia the casualties have been increases in recent years. But apart from climate change, the recent increase of death of lightning has linkage with the silent disappearance of Border pillars of Mouja installed by British rulers in South Asia.
The standard global practice of other countries, the credit information reports neither express any opinion about the borrower creditworthiness nor assign any rating to the borrowers.
Regional co-operation under SAARC may be an additional blessing to solve the problem. Bangladesh apparently failed to get mutual co-operation from neighboring countries. Bangladesh may shift the policy on prevention, education and training of all stakeholders to eradicate drugs from our society.
Aila re naya daman folksong belongs to whomM S Siddiqui
Copyright protection is one such important and strong protection guaranteed under intellectual property laws. The expressions of folklore are undoubtedly a product of human genus and intellect and hence deserve adequate protection under the fast-growing system of intellectual property rights laws. The folk song Aila re naya daman is the property of the community, and not of any individual.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
USDA Loans in California: A Comprehensive Overview.pptx
Hashem foods fire determining the liability of regulators
1. https://www.thedailystar.net/law-our-rights/law-news/news/hashem-foods-fire-determining-the-liability-
regulators-2134546
Hashem Foods fire: Determining the liability of regulators
M S Siddiqui
Tue Jul 20, 2021 12:00 AM
A virtual dialogue on Industrial Safety of the RMG Sector during the Post-
Accord-Alliance Period on 11 July 2021 was organised by the Centre for
Policy Dialogue (CPD) and Friedrich-Ebert-Stiftung (FES) Bangladesh. It
mentioned that between May 2018 and April 2021, 46 accidents took
place in the garment sector. The number of incidences increased by
100% in FY2020, compared to that in FY2019 and then the figure
declined by 20% in FY2021 (up to April 2021). Fire and electrical (short-
circuit) problems were the main reasons (35% of total incidences) behind
such accidents.
After the Chawk Bazar fire incident on February 20, 2021 that killed at
least 70 people, the government formed a five-member committee to find
out the causes of fire. The Department of Inspection for Factories and
Establishments (DIFE) take less interest in inspecting factories and
establishments outside the Ready-Made Garment sector in the country,
according to the government report, most of the resources and efforts
were dedicated to improving the workplace safety in the garment sector,
while other sectors remained neglected. DIFE mostly focuses on the
garment factories to see if the workers get salaries and other entitled
benefits and if they employ child labour.
The situation in other sectors is in a dismal status as well. There is none
to push the government and businesses to create work place safety. Prof
Rehman Sobhan, chairman of the Centre for Policy Dialogue (CPD),
questioned why the DIFE could not show substantial performance even
after eight years of the Rana Plaza building collapse. He was referring to
the fire incidence of Hashem Food Industries Ltd.
2. The DIFE has formulated four thematic Standard Operating Procedures
(SOPs) to improve its labour inspection services. The new SOPs are
formulated with the technical assistance of the International Labour
Organisation (ILO) and financial assistance from Canada, Netherlands,
and United Kingdom in November 2020. Those are on registration and
licensing of organisations, approval of factory layout plan, labour
complaints, and investigation of occupational accidents.
DIFE and Bangladesh Fire Service and Civil Defence Department
(BFSCD) developed their information systems i.e. Labour Inspection
Management Application (LIMA) and e-Fire Licensing system
respectively in 2017. It has been reportedly used regularly from 2019
particularly in RMG sector. There is strong ownership of LIMA from the
DIFE as they have secured budget for its further development and
maintenance.
ILO was concerned about the state of safety standard and
implementation of the laws and rule while issuing licence for factory.
There is no improvement of the situation despite huge investments of
donors and efforts of ILO to draw attention of different departments of the
government. According to Factory inspection Checklist, DIFE did not
inspect accounting and the inspection may be a good evidence revealing
the misrepresentation of facts in the report. The report format has
clauses for details of labour such as number of workers, their age and
sex etc., and for the names of the approving officers for the building, lay-
out, design, soil test report and even the name of the contractors. But
despite all the irregularities, how industries get fitness certificate from
DIFE on yearly basis is a question. Hashem Food started their business
in 1982 and DIFE has been certifying it on yearly basis since then.
The inspector general of the DIFE, blamed the shortage of workforce in
the government agency to properly oversee the safety issues in sectors
other than the garment industry. He revealed that two inspectors of the
DIFE inspected the Hashem Foods building on July 7 and submitted a
report. The six-storey building was actually a warehouse, but it was used
as a factory and contained combustible substances. The staircase was
only five feet wide, despite the fact that it was supposed to be at least
seven feet wide and also emergency exits. Children made up more than
half of the total workforce employed at the Hasehm Food
factory. According to both the fire service and civil defence department
and the Electronic Safety and Security Association of Bangladesh, the
3. building had two staircases against the minimum requirement for four
based on the building floor area. The building did not seem to have any
fire extinguishers.
An industry requires safety compliance of its establishment for getting
loans from banks. Fire insurance and fire licence are mandatory too to
get loans. Moreover, banks make an inspection over safety compliance
issues every year. Multiple banks and insurance companies are involved
with Hashem Group and all of them have been found to have disregarded
its non-compliance with safety guidelines. The banks will now go to Artha
Rin Adalat for recovery of bad loan but none will question the negligence
of the Bankers.
Maintaining safe and healthy working conditions are required by
government regulations and also make sense for business for economic
reasons. There are plenty of good reasons on why any business would
want to maintain a safe workplace. Other than the basic human desire to
avoid pain and sufferings, workplace accidents can also destroy our
business.
Mr Shahidullah, a member of the National Industrial Health and Safety
Council said the system failure occurred at the implementation level. He
further said that in addition to the owners, those who have given trade
licenses or have shown laxity in the implementation of the law should
also be punished.
The writer is a legal economist.