pratiyogita darpan hindi

 pratiyogita darpan hindi

pratiyogita darpan hindi Published this article page no   110 Features Lending of small amounts of loans without any collateral and flexible repayment schedule. Origin Microfinance largely originated from works of NGOs with Bangladesh Grameen Bank as first microfinance institution in 1983. Indian Microfinance Unlike a parallel evolution in other parts Indian microfinance evolved in relationship with public banks though linkage between SelfHelp Groups (SHGs) NGOs and banks. Starting from SHGBank linkage programme of 1992 Indian microfinance movement is now worlds largest with nearly 102 million accounts and outstanding credit of over 1 lakh crore. Apart from SCBs small finance banks RRBs Cooperative banks NBFCs and NBFCMFIs also provide microfinance. o NBFCMFI is a nondeposit taking NBFC with minimum net owned fund of 5 crore (2 crore for NBFCMFIs registered in the North Eastern Region) and having minimum 85 per cent of its net assets (assets other than cash bank balances and money market instruments) in the nature of qualifying assets Proposed framework for Regulation of MFIs Single uniform set of regulations for all Regulated entities (REs) of RBI with changes as Parameters Existing Regulatory framework for NBFCMFIs Proposed changes in regulatory framework Definition of Microfinance borrower Borrower with annual household income not exceeding 125000 for rural and 200000 for urban and semiurban areas. Same criteria shall be extended to all REs for the purpose of the common definition with addition of Board approved policy from all REs enumerating factors considered for assessment of household income. Limits on household indebtedness Total indebtedness of the borrower does not exceed 125000 (excluding loan for education and medical expenses). Link the loan amount to household income in terms of debtincome ratio with all REs to ensure that the EMI a household has to pay does not exceed 50% of its income. Nature of loans Collateral free loans without any prepayment penalty pratiyogita darpan hindi buy.

pratiyogita darpan hindi

engineering success review

engineering success review

engineering success review Published this article page no   117 FINANCIAL MARKETS 3.2.1. SOCIAL STOCK EXCHANGE Why in News? After recommendations of the technical Group Securities and Exchange Board of India (SEBI) has laid the framework for Social Stock Exchanges (SSE). About Social Stock Exchanges (SSE) SSE functions as a regulated funding platform to allow ForProfit Social Enterprises (FPEs) and notforprofit organizations (NPO) with a social purpose to raise funds. o At present avenues through which the social sector (FPEs and NPO) receive funding include Corporate Social Responsibility (CSR) impact investing philanthropicGovernment grants etc. At SSE impact investors can buy stake in the form of bonds from listed organizations. It provides a mechanism to preserve the social and environmental mission of the organizations giving the investors opportunities to mitigate socioeconomic problems through investments that also have the potential to produce financial returns. Examples of prominent SSEs UK (Social Stock Exchange) Canada (Social Venture Connexion) South Africa (South African Social Investment Exchange) Singapore (Impact Investment Exchange). Framework for SSE includes SSE will work under the regulatory ambit of SEBI as a separate segment of the existing stock exchanges. Based on 15 broad eligible social activities approved by SEBI NPOs engaged in those activities may raise funds through equity Zero Coupon Zero Principal Bonds Mutual Funds etc. after registering with SSE. SEBI will engage with NABARD SIDBI and stock exchanges towards instituting a capacitybuilding fund with a corpus of 100 crore. Social audit shall be mandated for social enterprises raising fundsregistered on SSE. Why do we need an SSE? Improved market access to capital for enterprises that seek to deliver a positive change in society. Improved Transparency and accountability with Better Project Implementation due to monitoring. Help government in achieving the developmental goals by leveraging private sector participation engineering success review buy.

engineering success review

engineering success review

engineering success review 

engineering success review Published this article page no   119 Sweat equity refers to shares issued by a company to its employees for noncash consideration. Startups and promoters typically use it to fund their companies T+1 Settlement Cycle SEBI (Securities and Exchange Board of India) has introduced an optional T+1 settlement cycle for the markets. To come into force on January 01 2022 T+1 means that settlements will have to be cleared within one day of the actual transactions taking place. Potential benefits Increased market liquidity and trading turnover with reduced settlement risk and broker defaults 3.2.3. BONDS IN NEWS Indias first Eurodenominated Green Bond Recently Power Finance Corporation Ltd (PFC) leading NBFC in power sector issued Indias first €300 million 7year Euro Green Bond. In green bonds the money raised by the issuer are earmarked towards financing `green projects like renewable energy clean transportation etc. Started by development banks like European Investment Bank and World Bank in 2007 the first ever green bond of India was launched by Yes Bank in 2015. Floating Rate Funds Floating rate funds are those funds who buy bonds with changing interest rates according to the changing rates in the economy. Seen huge inflows in recent months due to expectations of rise in interest rates floating rates insulate investors from losses due to rate hikes. According to SEBI rules 65% of the corpus of floating rate funds must be invested in floating rate instruments. Social Impact Bonds SIB is a contract with public sector or governing authority whereby it pays for better social outcomes in certain areas and passes on part of savings achieved to investors. SIB is not a bond per se since repayment and return on investment depend upon achievement of desired social outcomes if objectives are not achieved investors receive neither a return nor repayment of principal. It is also known as PayforSuccess contracts. The Pimpri Chinchwad Municipal Corporation (PCMC) in Maharashtras Pune district signed a Memorandum of Understanding (MoU) with the United Nations Development Programme (UNDP) India to cocreate Indias first Social Impact Bond (SIB). Inflation Index Bonds (IIB) Amid hardening inflation RBI asked financial institutions to sense the possible demand for IIB. o Globally IIBs were first issued in 1981 in UK. In India RBI issued IIBs (linked to WPI) in 2013. IIB provides the investor a constant return irrespective of the level of inflation in the economy engineering success review buy.

engineering success review 

junior science refresher

junior science refresher 

junior science refresher Published this article page no 140 ENVIRONMENT EXTENDED PRODUCERS RESPONSIBILITY ON PLASTIC PACKAGING Why in news? Recently Ministry of Environment Forest and Climate Change has notified the Guidelines on Extended Producers Responsibility (EPR) on plastic packaging under Plastic Waste Management Rules 2016. More about news The guidelines on EPR coupled with prohibition of identified single use plastic items are important steps for reducing pollution caused due to littered plastic waste in the country. As per the new notification the Government has announced setting up of a committee which shall be constituted by the Central Pollution Control Board (CPCB) under chairpersonship of CPCB chairman to recommend measures to the Environment ministry for effective implementation of EPR including amendments to EPR guidelines. o It will strengthen circular economy of plastic packaging waste promote development of new alternatives to plastics and provide steps for moving towards sustainable plastic packaging by businesses. What is EPR? Extended producer responsibility (EPR) is a critical policy mechanism that helps advance the circular economy decreases the environmental impact from a product and its packaging and promotes the principle of “polluter pays” by holding the producer accountable for the entire lifecycle of the product. o EPR programs ensure that the producers manufacturers brand owners and first importers of products and packaging are given the legal responsibility for collection recycling and endoflife management of materials. EPR policies and programs are well established in Europe Canada Japan and South Korea for a wide range of products. The Plastic Waste Management Rules 2016 introduced the concept of EPR to manage plastics in India. o The Plastic Waste Management Rules 2016 mandate the generators of plastic waste to take steps to minimize generation of plastic waste not to litter the plastic waste ensure segregated storage of waste at source and hand over segregated waste in accordance with rules. New Guidelines of EPR With respect to plastic packaging the EPR covers reuse recycling use of recycled plastic content and end of life disposal by producers importers and brandowners junior science refresher magazine buy. 

junior science refresher 

competition in focus

competition in focus

competition in focus published this article page no  14 despite the reduced size the lic ipo is still expected to be the largest so far in the country. the government plans to raise at least rs 0. crore by selling of . percent of its equity stake or . crore shares of lic. this is though lower than the earlier projection of rs 0000 crore. out of the total . crore shares offered for sale around . crore shares have been reserved for the anchor investor portion while the employee reservation portion has been marked at . million and policyholder reservation is at . million. lic has reserved half of the shares for qualified institutional buyers qib about  percent of the shares have been reserved for noninstitutional investors and the rest for retail investors. the lic policyholders will get a discount of rs 0 per equity share while the retail investors and employees will get a discount of rs 0 per equity share. the securities and exchange board of india sebi had approved lics initial public offering proposal earlier in february. the centre had initially wanted to list lic ipo in the last financial year which ended on march  but had to delay the sale of the shares amid the market dip triggered by the russiaukraine war competition in focus buy.

competition in focus

competition in focus

competition in focus

competition in focus published this article page no 13  it will redirect you to another tab where you have to enter your details including full name email mobile number gender country state and city to register yourself. . those who wish to book their stall can do so by clicking on the option on the main page and entering the required details. lic is set to hold a press conference today ahead of its mega ipo launch on may  0. the muchawaited lic ipo will open on may  and remain open for interested investors till may  0. the centre which wholly owns the life insurance corporation of india plans to sell . percent of the shares during the mega ipo launch. the lic ipo size has been reduced from the earlier  percent mentioned in the previous draft red herring prospectus drhp competition in focus buy.

competition in focus

competition in focus

competition in focus

competition in focus published this article page no 12   the global patidar business summit gpbs is aimed at encouraging entrepreneurship and value creation among the youth. it is organised once in every two years. the first two summits were held in gandhinagar in 0 and 00. gpbs 0 objective the global patidar business summit gpbs is being organised under mission 0 to provide an impetus to the socioeconomic development of the patidar community. the summit aims to open door to success through economic and social upliftment.  the summit will be organised from april  to may  0 comprising over 0 stalls.  there will be more than 0000 products on display and over  different business sectors. the summit will bring together small medium and large enterprises within the patidar community and nurture and support new entrepreneurs.   it will also provide training and employment assistance to the educated youth. it will cover various aspects of government industrial policy msmes startups and innovation among others.   the threeday event is expected to witness participation from over 00000 visitors competition in focus buy.

competition in focus