Showing posts with label Poverty. Show all posts
Showing posts with label Poverty. Show all posts

Saturday, April 24, 2010

Essay Writing in Bank Exams - 2010

Q) Write an essay on ‘Below Poverty Line in India’?
The Planning Commission of India recently adopted the Tendulkar Committee's methodology for poverty estimate that includes spends on education and health besides food, taking the number of the poor to a whopping 37.2 per cent from 27.5 per cent estimated earlier in 2004. This means that India now has 100 million more people living below the poverty line than in 2004.
National estimates of the percentage of the population falling below the poverty line are based on surveys of sub-groups, with the results weighted by the number of people in each group.
Definitions of poverty vary considerably among nations. For example, rich nations generally employ more generous standards of poverty than poor nations. What does poverty in India actually mean? It is difficult for those living in an industrialised country to truly appreciate the level of poverty in our country.
In the West, even those living in poverty can live in well-constructed dwellings, with heating, clean running water, indoor toilet facilities, access to health care, and even a vehicle. But such luxuries are a distant dream for India's poor.
The earlier definition of India's poverty was based on calorie intake, according to which only 27.5 per cent of people were living below the poverty line as on March 1, 2004 and the number of BPL families were about 6.5 crore (65 million).
As per the methodology suggested by the Tendulkar report, the number would swell to 37.2 per cent of the total population and the number of BPL families to about 8.1 crore (81 million). The new poverty estimate which would reflect the impact of high growth recorded during the decade, would be available in 2011. The computation of the number of BPL families at the this stage assumes significance in view of the government's decision to enact the food security law under which 25 kg of foodgrain at Rs 3 per kg would be provided every month to a BPL family.
The EGoM on food, which had cleared the draft of the Food Security Bill last month, was reportedly asked by United Progressive Alliance chairperson Sonia Gandhi to have a re-look at the proposal and consider the possibility of raising the highly subsidised monthly foodgrain allocation to 35 kg from 25 kg and increasing the number of beneficiaries. Currently, a ration card holder is entitled to 35 kg of food grain every month. The Indian government spends only 1 per cent of its gross domestic product on healthcare facilities.
The government has found that 100 million more Indians are actually living below the poverty line than previously thought. Over 370 million Indians -- 40 per cent of the population -- are now eligible for subsidised food supplies.
According to the World Bank, more people are living in extreme poverty in developing countries than previously thought as it adjusted the recognised yardstick for measuring global poverty to $1.25 a day from $1.The poverty-fighting institution said there were 1.4 billion people -- a quarter of the developing world -- living in extreme poverty on less than $1.25 a day in 2005. Last year, the World Bank said there were 1 billion people living under the previous $1 a day poverty mark.
India's official poverty measure has long been based solely upon the ability to purchase a minimum recommended daily diet of 2,400 kilocalories (kcal) in rural areas where about 70 percent of people live, and 2,100 kcal in urban areas. Rural areas usually have higher kcal requirements because of greater physical activity among rural residents.
The National Planning Commission, which is responsible for the estimate, currently estimates that a monthly income of about Rs 356 (about $7.74) per person is needed to provide the required diet in rural areas and Rs 539 in urban areas. Factors such as housing, healthcare and transportation are not taken into account in the poverty estimates. The estimate is derived from the National Sample Survey, which measures monthly per capita consumer expense every five years.
The below poverty line population is currently estimated at 29 per cent in rural areas and 26 per cent in urban areas. The World Bank estimates that 1.4 billion people live below an income of $1.25 per day and that 2.6 billion live below the $2 level worldwide.
According to oneworld.net, despite sustained high gross domestic product growth in India, latest estimates of global poverty by World Bank suggest that India has more people living below $2 than even sub-Saharan Africa.
According to the Bank's new estimates, India is home to roughly one-third of all the poor in the world.
Source: Rediff

Tuesday, December 29, 2009

Government Schemes in India - Part 2

1.      Swarna Jayanti Gram Swarozgar Yojana (SGSY):   (Go for Part-1)
ü  The Swarnjayanti Gram Swarozgar Yojana (SGSY) was launched as an integrated programme for self-employment of the rural poor with effect from 1 April 1999.
ü  Under the SGSY, assistance is given to the poor families living below the poverty line in rural areas for taking up self employment. The persons taking up Self-Employment are called swarozgaris.
ü  They may take up the activity either individually or in Groups, called the Self-Help Groups.
ü  The SGSY aims at providing self-employment to villagers through the establishment of Self-help groups.
ü  There are over 22 lakh Women’s Self Help Groups linked with banks. Reach of SHGs to be widened to enrol at least 50 per cent of all rural women in India as members of SHGs over the next five years.
ü  A Self- Help Group (SHG) may generally consist of 10-20 persons.
ü  In Union Budget 2009-10, The Swarna Jayanti Gram Swarozgar Yojana (SGSY) restructured as National Rural Livelihood Mission to make it universal in application, focused in approach and time bound for poverty eradication by 2014-15.
2.      Rashtriya Swasthya Bima Yojana (RSBY):
ü  It was formally launched on October 1, 2007.
ü  It is a new health insurance scheme for the Below Poverty Line (BPL) families in the unorganized sector.
ü  The objective of RSBY is to provide the insurance cover to below poverty line (BPL) households from major health shocks that involve hospitalization.
ü  The RSBY is being implemented in 20 States/Union Territories.
ü  By the end of the year, 2009-10, 1.2 crore BPL families ( a unit of five) are expected to be covered and all the estimated 6 crore BPL families are proposed to be covered in the next four years. 
ü  In the Union Budget 2009-10, It is proposed that All BPL families to be covered under Rashtriya Swasthya Bima Yojana (RSBY).
ü  Allocation under RSBY increased by 40 per cent over previous allocation to Rs.350 crore in Budget 2009-10.
3.      Rajiv Awas Yojana:
ü  It is a new scheme announced in the Union Budget 2009-10 for the slum dwellers and the urban poor in an effort to promote a slum-free India in five years.
ü  Rajiv Awas Yojana comes under JNNURM on the lines of Indira Awas Yojana for rural poor.
4.      Jawaharlal Nehru National Urban Renewal Mission(JNNUM):
ü  The Jawaharlal Nehru National Urban Renewal Mission (JNNURM), launched on
ü  December 3rd 2005 is the largest national urban initiative to encourage reforms and fast
ü  track planned development of 63 identified cities.
ü  JNNURM comprises two Sub-Missions:
o   Urban Infrastructure and Governance (UIG) (Sub-mission I)
o   Basic Services to the Urban Poor Urban (BSUP) (Sub-mission II)
Objectives:
ü  Focused attention to integrated development of basic services to the urban poor.
ü  Security of tenure at affordable price, improved housing, water supply, sanitation.
ü  Convergence of services in fields of education, health and social security.
ü  Ensuring adequate investment of funds to fulfill deficiencies in the basic services to the urban poor.
ü  In simple JNNURM is designed to support: Provision of basic service to urban poor, water supply, Road Network, Urban transport, Street lighting, Sewerage & Sanitation and etc.
ü  In the Union Budget 2009-10, Jawaharlal Nehru National Urban Renewal Mission (JNNURM) stepped up by 87% to Rs.12, 887 cr.
5.      Swarna Jayanti Shahari Rozgar Yojana (SJSRY):
ü  It is introduced in 1997 sponsored by Central Government.
ü  The Union Housing and Urban Poverty Alleviation Ministry in November 2009 comprehensively revamped the Swarna Jayanti Shahari Rozgar Yojana (SJSRY) with a view to providing gainful employment to the urban unemployed and underemployed.
ü  The new scheme will commence with financial year 2009-2010.
ü  The Swarna Jayanthi Shahari Rozgar Yojana (SJSRY) shall sheek to provide gainful employment to the Urban unemployed or underemployed poor through encouraging the setting up of self-employment ventures or provision of wage employment. 
ü  The programme shall target the urban poor, defined as those living below the urban poverty line, as defined from time to time.
ü  The Swarna Jayanti Shahari Rozgar Yojana shall consist of two special schemes, namely-
ü  i)The Urban Self-Employment Programme (USEP)
ü  ii)The Urban Wage Employment Programme (UWEP)
6.      Rashtriya Krishi Vikas Yojana:
ü  Rashtriya Krishi Vikas Yojana was launched by Govt. of India during 2007-08 to incentives states to draw up plans for their agriculture sector more comprehensively, taking agro-climatic conditions, natural resource and technology into account and integrating livestock, poultry and fisheries fully.
ü  The RKVY aims at achieving 4% annual growth in the agriculture sector during the XI Plan period, by ensuring a holistic development of Agriculture and Allied Sectors.
ü  Allocation under Rashtriya Krishi Yojana (RKVY) stepped up by 30% in the Union Budget 2009-10.
7.      National Social Assistance Programme:
The programme was launched with effect from 15th August 1985 and under this programme three sub-schemes are under implementation. They are.
1.      National Old Age Pension(NOAP)
2.      National Family Benefit Scheme (NEBS)
3.      Annapurna Scheme
National Old Age pension (NOAP):
ü  The Scheme is implemented to the Old Age persons who are living above 65 Years. Physically Handicapped persons and Leprosy destitute (Irrespective of Age) who comes under Below Poverty line.
ü  The National Old Age Pension Scheme has been renamed as Indira Gandhi National Old Age Pension Scheme (IGNOPS) and formally launched on 19th November, 2007.
ü  The central contribution of pension under the Indira Gandhi National Old Age Pension Scheme (IGNOAPS) is Rs. 200/- per month per beneficiary and the State Governments may contribute over and above to this amount. At present old age beneficiaries are getting anywhere between Rs. 200/- to Rs. 1000/- depending on the State Contribution.
National Family Benefit Scheme (NFBS)
ü  Under this scheme, in the death of primary breadwinner, the head of household is untitled to get the benefit of Rs.10000/- in case normal deaths.
ü  The deceased persons should have been primary bread winner and in the age group of more or less than 65 Years and who comes under Below poverty line and residing in the district preceding 3 years.
ü  In case of accidental deaths. The benefit shall be extruded under "APADBANDHU" scheme which covers carton incidents as prescribed by the Government. The deceased family will get Rs. 50000/- or 10000/- depending upon their age. 
Annapurna Scheme
ü  The Annapurna scheme has been launched with effect from 1st April, 2000.
ü  It aims at providing food security to meet the requirement of those Senior Citizens who though eligible have remained uncovered under the National Old Age Pension Scheme (NOAPS).
ü  Under the Annapurna Scheme, 10 Kg. of food grains per month are to be provided 'free of cost' to the Beneficiary. 
ü  The age of the applicant ( male or female) should be 65 years or above.
Two new schemes have been introduced in the Interim Budget 2009-10:
·        'Indira Gandhi National Widow Pension Scheme' to provide pension of Rs.200 to widows between age groups of 40-64 years and
·        'Indira Gandhi National Disability Pension Scheme' to provide pension for severely disabled persons. Widows in the age group of 18-40 years to be given priority in admission to ITIs, Women ITIs and National/Regional ITIs for women. Government to bear cost of their training and provide stipend of Rs.500 per month.
8.      Aam Admi Bima Yojna (AABY):
ü  It was launched in 2nd October 2007.
ü  It is an Insurance Scheme. It covers the death and permanent disability for the benefit of rural landless households between the age group of 18 to 59 years.
ü  The Scheme is being implemented through the LIC of India and inter alias.
ü  The scheme provides for insurance of head of the family or an earning member of the family of rural landless household.
ü  50% will be contributed by the central Govt. and the rest 50% will be contributed by the state Government.