No education is the best education

The ever evolving Earth’s residents, if we count, are innumerable, when these variables react with each other, the permutations and combinations create humungous possibilities. The vastness of each variable in itself is like one Pacific Ocean. When we study biology or physics or any other subject, we are just a small canopy in that Pacific Ocean.

Well, large number of Graduates and Post graduates today are at their apex position of their career right now. But only a few are satisfied. There can be two reasons for this, because they want material gain like money and are hungry of learning something new. When a student enters the market as a fresher, he wants to become an expert. And he becomes one, only to realize that in the next step he has to learn something new and advanced. So, it is clear that learning is a continuous process. It neither ends when we complete our school nor does it ends when we pass out from the best college.

A constant companion with each one of us is ‘Life’ itself. A formal education may teach us how to make bridges but the bridge to superficial living and inner realization is built by ‘Life’. What formal education imparts us is the privilege of learning what we cannot learn in day to day life. Thus, it is very important for our growth. But history gives us umpteenth examples of achievements without any formal education.

Indus valley civilization was built by people without CAD tools. The Mughals and Guptas practiced such administrative methods that they are a subject of study today worldwide. The concept of foreign trade and trade practices can be learnt from Indian dynasties like Cholas. Legends like Sachin Tendulkar, Bill Gates, Dhirubhai Ambani have become idols for millions across the globe. They did it without any formal education. Well, many well educated have also reached the apex. M.S. Swaminathan would not have been the ‘Father of green revolution’ if after Bachelor’s degree in Zoology and then Bachelor’s degree in Science he would have stopped his quench for further learning. He further studied Agricultural Science, and post graduated in Cytogenetics and later wrote UPSC exam and got qualified for IPS. If he would have stopped there, India would not have been self-sufficient in food grains today.

When Prince Charles came to visit Mumbai’s Dabbawalas and Harvard students came to interview Lalu Prasad Yadav for he turned around the railways in India, one wonders which is the best education. The London school of business, MIT(best in engineering), Stanford, Oxford, Cornell or the IIM’s in India. We can then conclude that no education is best education, no matter how great is your teacher or degree or institute. There will always be a scope for betterment.

SBI PO 2014

Nowadays every registration process has become electronic or online. Almost all entrance exams have online forms. SBI PO application is also online. All those who are not aware of online process and requirements, here they are...

Requirements

Internet connection: to check out exam date and admit card

Valid email ID: for communication

Debit card/Credit card: for online payment

Valid mobile number: for communication

Scanned Photograph: Clear, coloured, light background, passport size, 200×300 pxls, size of file should be 20kb-50kb

Scanned Signature: black ink sign on paper, 140×60 pxls, size 10kb-20kb

Scanning features: 200 dpi, true color, jpeg/jpg format (If aforementioned features are not followed an error message will be displayed.)

When all of this is ready, with a good internet connection do the following things:-

>>Go to the State bank of India site www.sbi.co.in and go to 'Recruitment' link.
>>Click the link given for Recruitment of PO and click 'Download English/Hindi advertisement' link.
>>Read the advertisement in detail and then go back to the recruitment link for PO 2014 and click 'Apply Online'.

The important details about the exam in short are:-

Registration
Starts : 7th April
Ends : 25th April

Fee Payment
Online                                        Offline
Starts: 7th April                         Starts: 10th April
Ends: 25th April                        Ends: 28th April

Vacancies:

Vacancies					Vacancies (PWD)
SC	ST	OBC	GEN	Total	VH	OH	Total
235	439	405	758	1837	29	31	60

Eligibility:

>>Graduate from a recognized university. Or who are appearing final year are also eligible to apply.

>>Age limits 21-30. (Age relaxation for reserved categories)

Exam Pattern:

Phase 1 i)

Objective Test (200 m)

             ii)

Descriptive Test(50 m)

Phase 2

GD(20 m) and PI(30 m)

Final Selection

Financial Inclusion and role of banks in rural development

India is one of the fastest growing economies in the world. We have 1.2 billion of population which creates a potential marketplace for national and multinational companies. It is important to note that the growth has not been uniform. In the year 2012 Agriculture contributed to only 13.72% to our GDP. Agriculture in our country employs almost 65% of workforce and is a prime occupation on rural workforce.

The urban economic development is at a good speed but development in rural areas has been sluggish. Nevertheless, it is gaining pace as our country is going under reforms in rural sector in rural banking specifically. The term Financial Inclusion is gaining a nation-wide scope because it is getting much needed support from apex bodies like RBI in recent years. The underprivileged sections need financial support in the form of a savings account, loan facilities with lower interest rates, insurance like services. These legal services by commercial banks keep the vulnerable away from illegal money-lenders. These money-lenders exploit the already poor and grief struck farmers. There is an urgent need to abolish these informal financial markets. To fulfil this objective, banks should stride into rural areas which are unaware and backward and teach them financial activities.

Our villages lack infrastructure facilities like road, internet, electricity, water reservoirs etc. And banks require resources like these right from first step of construction of offices to computer based services. Out of all these requirements construction of concrete roads gives a major fillip to rural growth. It connects the villages to major cities where banks, hospitals etc. are available.

Activities like farm mechanization, ware housing, agro-based industries, retail banking and education loans will increase the level of money management. It will prove to be a harbinger of economic stability in the untapped areas of India. The provision of ATM’s in rural areas is a very helpful tool in the exact same way urban people get the benefits of it. To increase the literacy rate, Education loans should be done rigorous marketing, acting on the roots of problem.

Today around 100 million rural households are away from the banking system. If tapped, it will generate almost two times the existing business of rural banks.  Banks need to create “High Volume – Low Margin” to cater to the needs of rural households.

The objective of financial inclusion creates a cycle of important processes. These are infrastructure development, increase in facilities, decrease in social evils like bonded labour, decrease of informal money-lenders, growth and awareness among the vulnerable and finally increase contribution of 70% of population in economy.

India Needs Industry Academia Interface to Develop Enterprising Skills in Our Youth

A common trend is seen these days that graduates when land a job for themselves go through a training of 4-6 months. This training is job-centric to enhance the employ’s capabilities as per company’s needs. How convenient would it have been, if before getting placed, during the degree curriculum itself, students got industry internship and work experience? This would be very beneficial if the industry professional themselves would come and train students under a project.

[Image source: itpro.co.uk]

Employees with enterprise and entrepreneurial skills are an asset to a company because they spot gaps in the market, innovate and are commercially minded. A sound business sense only comes when during course curriculum industry interface is provided by the college by culminating industry internship into academics. Due to this the students will get aware of corporate culture. They will get exposed to corporate essential thinking. They will not only be studying topics in theory but they will apply that knowledge too. In this way the course curriculum will also be at par with current trends in market. They will be able to train students as per company requirements. Surely after such interfaces there will be value addition for every student. There scope of career and thinking will widen which will be useful directly to country’s growth. When a student will carry with him that exposure, then getting a job in this competitive world will become easy. Not only the employ is a beneficiary here but the employers are also at an advantage, as they do not have to invest in the training required for naïve employees.

The world is moving at a cheetah’s pace and it is time that we understand the importance of market experts who can contribute to their respective fields. Just like a doctor who does not operate a patient before practicing on sample bodies for almost 100 or more times and only observes and assists operations in the initial days. Any graduate like Engineers, Architects etc should be given a curriculum with well-planned industry interface so as to gear up for potential work and career prospects in the real world.

Positive Discrimination has Hampered Social Integrity in India

An attempt to create social equality has lead to positive discrimination in India. The very noble act of giving preference to backward classes and women in our country has both positive and negative impacts. They all have one objective, i.e. social integrity. A society free from caste based hierarchy and the unjust which follows it. If this discrimination was still prevalent then there would have been two classes in our country. One with all the facilities and provisions and the other with poverty and lower strata of living. This problem would have lead to revolts by backwards classes which in turn would have destroyed peace and harmony. Also these backward classes contribute as good as any upper caste class.

But the provisions which they are given when put under a scanner give a different picture altogether. Do they reach the target beneficiaries? Are the reserved poor rural area people aware of any such provision? How has it helped the deprived and to what extent has their condition improved? Does it give them an equal status or it has legally claimed them as deprived? These provisions are often disregarded by upper castes. This creates an unwanted or unintended gap between the upper and lower caste again.

Gandhiji always believed that deprived classes and women should be encouraged and strongly held as contributors to economy. When the dominant or the upper classes accepted the reservation provision they had their own reasons. Due to the building pressure and wish to remain at power by encashing deprived classe's votes. However, provisions of reserved seats in Lok Sabha was introduced. But since the abolition on double-member policy in Lok Sabha elections the number of Scheduled castes have reduced in the parliament. Although many who have secured powerful positions have not done any remarkable task of tackling issues. They have been inefficient. After repeated media requests and intellectual's request the Protection of Civil Rights was enacted in 1976. The bill was lying with the Parliament for six years. This shows the callousness of ruling party and backward class MP's. Even Scheduled class MP's, MLA's and CM's have not done much to protect the rights of community that they represent.

Politics plays a vital role in shaping the socio-economic culture. Some Scheduled Caste candidate may stand for election and join a political party where he/she is under one boss who makes the SC candidate inept in taking important stand on certain issues which the candidate was expected to take. States like Tamil Nadu still has all pervasive caste discrimination having no effect of any Act.

When a general candidate does not acquire a seat in a college with 80% whereas an SC candidate acquires the seat at 65%, an alarming sense of unjust arises in that general caste student. The student with the SC caste certificate who is aware does not even feel proud rather feels low and finds himself still lying beneath the layers of discrimination. This positive discrimination has not bonded but has further fragmented the society; it will have dire consequences in future if we do not reform and re-plan the noble provisions for deprived.

Sustainable Development is Next to Impossible Task in India

[Image source - http://www.sustainability-ed.org.uk/]

It has always been proven that an environment where there is stable administration, social equality, inclusive growth and great opportunities is the best for sustainable development. In fact these are the prerequisites of any sustainable development plan. These qualifications are a distant dream for India.

India is at a stage where it needs to identify the requirements and ensure its availability. These requirements are in the form of resources like fuel, water etc. which today get absorbed at a faster rate pertaining to growing population. Population explosion is the proof of failure in reforms in education and social sector. The country's wealth drains in the midst of expenditure on policies which lack vision and perseverance. The lack of scrutiny on education sector has lead to educated but unskilled manpower, graduated but unaware people. The interference of regional parties in country's politics has lead to an indecisive parliament. Such pot-pouri of parties are of little help.

The country's leaders and citizens follow the democratic way of elections wherein an MLA/MP requires lesser qualifications than the IAS and IPS officer working under him. The minister shows little or no performance to take that apex position as compared to the IAS officer who goes through the rigorous exams and training. This democratic system of India is more of a quantitative rather than a qualitative approach.

There are too many parties, but very few target actual issues. There are numerous policies like Mid-day meal, National Food Security Bill, MGNREGA, JNNURM etc but very few reach their objectives. Recent reports show us negative feedback and reports corruption at all areas. Thousands of projects are stuck in the arduous processes of our system. There are multiple heads for a process and none take responsibility. The incomplete or not started projects grow ten fold in their budget when delayed by 10-15 or more years.

The uneven development,population growth, inept policies and rampant politically favorable decisions hampers blooming of a stable administration. And stable government is the first requirement of sustainable development. An unstable administration also results in neglected socially backward classes which in turn widens the gap between rich and poor, haves and have not.

To change the political system of governance is next to impossible task because then it will mean changing  our very own constitution's instructions. This is only possible when a robust plan comes to action which is again a distant dream for India where a parliament session in the Parliament house in Delhi is synonymous to a fish market and is the most watched comedy video on YouTube.

IRMA Review and Admission Process

Want to know about IRMA and its review and career opportunities? Keep reading!

Institute of Rural Management Anand is a management institute which gives a very distinctive and sector specific training to management professionals. It is based at Anand, Gujarat. All those who want to contribute to the core rural management firms like Mother Dairy etc should learn about this institute more and get admission. Since Gujarat is on the verge of becoming the most developed state in India we can trust the faculty, quality of education and placements. In fact the placement records and reviews of this institute are quiet positive.

One of the interesting fact is that National Rural Livelihood Mission has recruited several students this year. NRLM is a GOI scheme by Ministry of Rural Development. If you want to know more about this mission please go to aajeevika.gov.in site.

The flagship program of IRMA is
                Post Grad Programme In Rural Management(PGPRM)
            others programs are
               Fellowship Programme in Rural Mangement(FPRM)
            &
               Certificate in in Rural Mangement

Admission Process for PGPRM:-
1. Candidates have to appear for CAT, and provide recent CAT score.

2. Fill the application form (Start and End dates will be announced on the site).

3. Next step will be giving 'Issues of Social Concern' test conducted by IRMA (a multiple choice GK exam for 25 mins).

4. These steps will generate a score and thus selection will be done. 


IRMA looks like a promising career for management aspirants who have a pull towards developing India from grass-root levels. The various firms which recruited this year are:

Cooperatives and Associated Organisations (25)               Number of
                                                                                    Participants Finally Placed

Gujarat Cooperative Milk Marketing Federation Ltd. (GCMMF), Anand	15
Mother Dairy  | Fruit & Vegetable Ltd., Noida	1
Bihar State Milk Coop. Fed. Ltd.,Patna	3
National Dairy Development Board (NDDB), Anand	2
Kaira District Co-operative Milk Producers’ Union Ltd., Anand	2
Palakkad Coconut Producer Company Limited, Palakkad*	2
Government Development Agencies (26)
Coconut Development Board, Cochin	1
Jeevika - Bihar Rural Livelihoods Promotion Society (BRLPS), SRLM, Govt. of Bihar, Patna	10
Kudumbashree - National Resource Organisation,  Govt. of Kerala, Thiruvananthapuram	2
Aajeevika - National Rural Livelihood Mission (NRLM), MoRD, Govt. of India, New Delhi*	10
Scheduled Tribes Development Department (STDD), Govt. of Kerala, Thiruvanthapuram*	3
Non-Government Development Organisations (13)
Charutar Arogya Mandal, Karamsad	2
Aga Khan Foundation, New Delhi	1
Digital Empowerment Foundation (DEF), New Delhi*	3
Dilasa Janvikas Pratisthan, Auragabad*	1
International Competence Centre for Organic Agriculture (ICCOA), Bangalore	1
Mlinda Charitable Trust, Kolkata	2
Sampark, Bangalore	2
The Timbaktu Collective, Village Chennekothapalli, Dist. Anantapur, Andhra Pradesh	1
Social Entrepreneurship (4)
Aarohan Ventrues, Center for Innovation Incubation and Entrepreneurship, IIM, Ahmedabad*	1
Invest India Micro Pension Services Private Limited, Noida*	2
Simpaenergy India Pvt. Ltd., Bangalore*	1
Agri and Microfinance (17)
Axis Bank Ltd-Agri Business Division, Mumbai	2
Disha Microfin Pvt. Ltd., Ahmedabad*	2
Future Financials Servicess Pvt Ltd, Bangalore*	3
Fullerton India Credit Company Ltd., Mumbai*	2
Magma Fincorp Ltd., Kolkata	3
Muthoot Fincorp Limited - Microfinance*	1
Satin Creditcare Network Limited, Bangalore*	2
YES Bank - Agri Business & Rural Banking, Mumbai	1
Agribusiness, Rural Marketing & CSR (21)
Dharma Life an initiative of Gajam India Private Limited, New Delhi*	4
Escorts - Agri Machinery Group, Faridabad	6
Godrej Agrovet Ltd, Mumbai	2
IFTRA Foods India Pvt. Ltd, Mumbai (Amala Holdings, Dubai)*	1
ITC | e- Choupal, Hyderabad	2
METRO Cash & Carry India Pvt. Ltd. - NEEV - Bangalore	2
Pidilite Industries Ltd - Rurban & CSR, Mumbai*	3
Siddhi Vinayak Agri Processing Pvt. Ltd., Pune	1
Technology & Consultancy (10)
AISECT | e-Governance, Bhopal	1
Atyati- A Genpact Company, Bangalore	1
Catalyst Management Services Private Limited, Bangalore*	4
KPMG-e-Governance, Mumbai	1
Govt. Reforms & Infrastructure Development - Pricewaterhouse Coopers Pvt. Ltd. (PwC), Gurgaon	1
Sambodhi Research & Communication Pvt. Ltd., New Delhi*	2
Total	116

[Source: IRMA website: https://www.irma.ac.in/article.php?menuid=35 ]

Get a look on what the Chairman Deep Joshi has to say at https://www.irma.ac.in/iaboutus/chairman.php     

Rural development is the prime goal for India's developmental schemes. Each and every citizen of India specially youth should be the climbing stone towards a developed nation. Other premier institute which gives similar training to students in the social sector is Tata Institute of Social Science. Visit the site http://www.tiss.edu/