Demography and its impacts

Indicus Analytics, a research firm, estimates that private spending on education, tuition, books, newspapers and journals was 1.2% of GDP in 2009-10.This could be an important reason why literacy rose in the last decade, notably in Bihar (up 16.82 percentage points), UP (11.45 points), Jharkhand (16.07 points) and Orissa (10.37 points). Moreover,poor states in the last decade hired huge numbers of teachers and parateachers on contract. Bihar alone hired two lakh contract teachers. They were paid one fifth or less than regular teachers, yet researcher Karthik Muralidharan found they improved learning outcomes, boosting the educational bang per fiscal buck. The ratio of people of working age 15-60 rose sharply from 53.7% in 1961 to 62.1% in 2001 in three leading states — Tamil Nadu, Karnataka and Gujarat. But in three lagging states — UP, Bihar, Madhya Pradesh the ratio hardly moved,from 53.1% to 53.4%. Thats an important but rarely noticed reason why the leading states accelerated in GDP while the laggards did not.
Most economists say an additional workforce is useless if it is not educated and skilled.

Poor states reap big demographic dividend Many have celebrated the census revelation that Indias population increased only 17.64% in the last decade, down from 21.54% the previous decade. Yet, the best news relates to kids aged 0-6.Their numbers have actually fallen 3.08%.

Fewer children translate into a demographic dividend that will send per capita income booming in the coming decades. The biggest dividend came in Uttar Pradesh, where the share of the 0-6 age group in the population declined 4.1%.Substantial decreases were recorded in Rajasthan (3.5%), Madhya Pradesh (3.4%), Chhattisgarh (3.1%),and Bihar (2.3%).

src: swaminomics.org

Salient features of Jan Lokpal Bill

An institution called LOKPAL at the centre and LOKAYUKTA in each state will be set up 
Like Supreme Court and Election Commission, they will be completely independent of the governments. No minister or bureaucrat will be able to influence their investigations.
Cases against corrupt people will not linger on for years anymore: Investigations in any case will have to be completed in one year. Trial should be completed in next one year so that the corrupt politician, officer or judge is sent to jail within two years.
The loss that a corrupt person caused to the government will be recovered at the time of conviction. 
How will it help a common citizen: If any work of any citizen is not done in prescribed time in any government office, Lokpal will impose financial penalty on guilty officers, which will be given as compensation to the complainant.
So, you could approach Lokpal if your ration card or passport or voter card is not being made or if police is not registering your case or any other work is not being done in prescribed time. Lokpal will have to get it done in a month’s time. You could also report any case of corruption to Lokpal like ration being siphoned off, poor quality roads been constructed or panchayat funds being siphoned off. Lokpal will have to complete its investigations in a year, trial will be over in next one year and the guilty will go to jail within two years.
But won’t the government appoint corrupt and weak people as Lokpal members? That won’t be possible because its members will be selected by judges, citizens and constitutional authorities and not by politicians, through a completely transparent and participatory process. 
What if some officer in Lokpal becomes corrupt? The entire functioning of Lokpal/ Lokayukta will be completely transparent. Any complaint against any officer of Lokpal shall be investigated and the officer dismissed within two months.
What will happen to existing anti-corruption agencies? CVC, departmental vigilance and anti-corruption branch of CBI will be merged into Lokpal. Lokpal will have complete powers and machinery to independently investigate and prosecute any officer, judge or politician. 
It will be the duty of the Lokpal to provide protection to those who are being victimized for raising their voice against corruption. 

Salient features of Jan Lokpal Bill

An institution called LOKPAL at the centre and LOKAYUKTA in each state will be set up
Like Supreme Court and Election Commission, they will be completely independent of the governments. No minister or bureaucrat will be able to influence their investigations.
Cases against corrupt people will not linger on for years anymore: Investigations in any case will have to be completed in one year. Trial should be completed in next one year so that the corrupt politician, officer or judge is sent to jail within two years.
The loss that a corrupt person caused to the government will be recovered at the time of conviction.
How will it help a common citizen: If any work of any citizen is not done in prescribed time in any government office, Lokpal will impose financial penalty on guilty officers, which will be given as compensation to the complainant.
So, you could approach Lokpal if your ration card or passport or voter card is not being made or if police is not registering your case or any other work is not being done in prescribed time. Lokpal will have to get it done in a month’s time. You could also report any case of corruption to Lokpal like ration being siphoned off, poor quality roads been constructed or panchayat funds being siphoned off. Lokpal will have to complete its investigations in a year, trial will be over in next one year and the guilty will go to jail within two years.
But won’t the government appoint corrupt and weak people as Lokpal members? That won’t be possible because its members will be selected by judges, citizens and constitutional authorities and not by politicians, through a completely transparent and participatory process.
What if some officer in Lokpal becomes corrupt? The entire functioning of Lokpal/ Lokayukta will be completely transparent. Any complaint against any officer of Lokpal shall be investigated and the officer dismissed within two months.
What will happen to existing anti-corruption agencies? CVC, departmental vigilance and anti-corruption branch of CBI will be merged into Lokpal. Lokpal will have complete powers and machinery to independently investigate and prosecute any officer, judge or politician.
It will be the duty of the Lokpal to provide protection to those who are being victimized for raising their voice against corruption.  

Rural !ndia

Agro prod and food processing sector

v  Turnover 250000 crore

v  Cumulative investment 70000 proposals

v  Value added production 80000

v  CII-Mckinsey 200 million shift to diet implements

v  1.8 – 2% of indian fruits and vegetables being processed compared to 30% in Thailand, 80% in Brazil, 60-70% UK-US

·         Agricultural & processed Food Product Export development authority

·         Marine product export dev. Authority

·         National cooperative dev. Corporation

Grain Drain

PDS à world’s largest food security programme

·         230 million ration card holder

·         Network of 500000 fair price shops

Revamped PDS and Targeted PDS but not really worked

ü  Country saw 3.68 lakh rural postal life insurance schemes sold in 2002

ü  All india rural credit survey

1951 --  70% all money from money lenders

1981 – 16%

Institutional sources of finance

1.       Credit cooperativesà voluntary organisation by like-minded people

2.       Primary Agricultural Credit Society and Large-sized Adivasi Multipurpose Societies à provide rural credit in extremely remote and adivasi area, may be started by 10 or more person

3.       Regional Rural Bankà credit to small and marginal farmers set up in 1975 each has authorised capital of Rs. 1 crore and issued paid up capital of rs. 25 lakhs

4.       National Bank for agricultural and rural development à apex body that looks after the financial needs of agricultural and rural development

ü  24 million Kisan Credit Cards issued in rural areas exceeds 17.7 million credit plus debit cards

ü  Rs. 52000 crores sanctioned for 196 RRBs in 23 states and 14500 branches

ü  Indian Agri Research Institute has developed thornless and long stemmed varieties of rose to boost the market which is more than 100 crore

Rural marketing strategy

Demographics of each village can be obtained from

•   National council for applied economic research
•   Indian market research bureau
•   Marketing research team
• •  HP started HP rasoi ghar set up in villages where villagers can cook food on lpg at subsidised rates
  •   HUL is training small groups of girls on beauty treatment to promote Ponds as they don’t like models promoting products
  •   LG launched sampoorna CTV with onscreen display in local languages
  •   Electrolux kelvinator refrigerator Bijlee comes with power backup
  •   Videocon washing machine washer at 6500
  •   Mahindra Maxx
  •   Lifebouy is sent in bullock carts and shg
  •   Cavin kare washed peoples head to advertise Chic shampoo
  •   HUL gave free sample of lifebouys and washed hands
  •   Colgate operation Jagruti à teaching harmful products of charcoal powder and benefits of tooth powder
  •   Parachute smell test "shudhta ki pehchaan"
  •   Henko( hey Nakko…………… I don’t want)
  •   Naer.org     goi.co.in   censusindia.com   agroindia.com    maid.org   imrb, rkswami guide to rural market
  
  
   

GFK NIelsen survey on mobiles

Gfk Nielsen survey

	Rural (%)	Urban (%)
Touch screen	7	10
Multiple sim	44	22
Below rs 2000	76	24
Camera phones	5/10	6/10
All sold mobiles	30	70
Retail outlets	70000	150000
Smart phones	4	7

1500 different models  100 brands