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1. Waiver of revenue is explained in:
Answer: Art. 38A kfc vol. 1.
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QA->Waiver of revenue is explained in:....
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MCQ-> Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the question. Political
ploys
initially hailed as master-strokes often end up as flops. The Rs. 60,000 crore farm loan waiver announced in the budget writes off 100% of overdues of small and marginal farmers holding upto two hectares, and 25% of overdues of larger farmers. While India has enjoyed 8%-9% GDP growth for the past few years, the boom has bypassed many rural areas and farmer distress and suicides have made newspaper headlines. Various attempts to provide relief (employment guarantee scheme, public distribution system) have made little impact, thanks. to huge leakages from the government’s lousy delivery systems. So, many economists think the loan waiver is a worthwhile alternative to provide relief. However the poorest rural folk are landless labourers, who get neither farm loans nor waivers. Half of the small and marginal farmers get no loans from banks and depend entirely on money-lenders, and will not benefit. Besides, rural India is full of the family holdings rather than individual holdings and family holdings will typically be much larger than two hectares even for dirt-poor farmers, who will, therefore, be denied the 100% waiver. It will thus fail in both economic and political objectives. IRDP loans to the rural poor in the 1980s demonstrated that crooked bank officials demand bribes amounting to one-third the intended benefits. Very few of the intended beneficiaries who
merited
relief received it. After the last farm loan waiver will Similarly slow down fresh loans to deserving farmers. While overdues to cooperatives may be higher, economist Surjit Shalla says less than 5% of farmer loans to banks are overdue i.e. overdues exist for only 2.25 million out of 90 million farmers. If so, then the 95% who have repaid loans will not benefit. They will be angry at being penalised for honesty. The budget thus grossly overestimates the number of beneficiaries, It also underestimates the negative effects of the waiver-encouraging willful default in the future and discouraging fresh bank lending for some years. nstead of trying to reach the needy, through a
plethora
of leaky schemes we should transfer cash directly to the needy using new technology like biometric smart cards, which are now being used in many countries, and mobile phones bank accounts. Then benefits can go directly to phone accounts operable only by those with biometric cards, ending the massive leakages of current schemes. The political benefits of the loan waiver have also been exaggerated since if only a small fraction of farm families benefit, and many of these have to pay bribes to get the actual benefit, will the waiver really be a massive vote- winner? Members of joint families will feel
aggrieved
that, despite having less than one hectare per head, their family holding is too large. Lo qualify for the 100% waiver. Alliance ministers, of central or state governments, give away freebies in their last budgets, hoping to win electoral regards, Yet, four-fifth of all
incumbent
governments are voted out. This shows that beneficiaries of favours are not notably grateful, while those not so favoured may feel aggrieved, and vote for the opposition. That seems to be why election budgets constantly fail to win elections in India and the loan waiver will not change that pattern.Why do economists feel that loan waivers will benefit farmers in distress?
...
MCQ-> Directions for the next three questions:Answer the following questions based on the information given below: Telecom operators get revenue from transfer of data and voice. Average revenue received from transfer of each unit of data is known as ARDT. In the diagram below, the revenue received form data transfer as percentage of total revenue received and the ARDT in US Dollars (USD) are given for various countries.The X axis represents the ARDT values and the Y axis represents the % of revenue from data transfer as a percentage of the total revenue.
It was found that the volume of data transfer in India is the same as that of Singapore. Then which of the following statements is true?
...
MCQ-> Based on the information given below, answer the questions which follow. The occupancy rate of a hotel is the share of available rooms that are occupied during a given time. Figure- I presents quarter wise average hotel occupancy in four regions (Asia-Pacific, America, Europe and Middle East & Africa) for the year 2016. Figure-2, shows the revenue of select hotel chains worldwide in 2016.
Figure-1: Region Wise Average Hotel Occupancy Rates
Occupancy rates
Regions $$\rightarrow$$
Figure-2: Revenue of Select Hotel Chains Worldwide
Hotels$$\rightarrow$$
Considering the total revenue of the hotel industry in 2016 as 495.17 billion USD. what is the percentage contribution of revenue of select hotel chains to hotel industry revenue?
...
MCQ->What are the terms of the loan waiver? (A) One-fourth of the overdue loans of landless labourers will be written off. (B) The Rs. 60,000 crore loan waiver has been sanctioned for 2.25 million marginal farmers. (C) Any farmer with between 26 per cent to 100 per cent of their loan repayments overdue will be penalised....
MCQ->Which of the following cannot be said about loan waiver? (A) Small and marginal farmers will benefit the most. (B) The loan waiver penalizes deserving farmers. (C) A large percentage i.e.. ninety- five per cent of distressed farmers will benefit....
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