This scheme aims at ‘poorest of the poor by providing 35 kg of rice and wheat: ?->(Show Answer!)

1. This scheme aims at ‘poorest of the poor by providing 35 kg of rice and wheat:

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MCQ-> Read the following passage carefully and answer the questions given below it. Certain words/phrases have been given in bold to help you locate them while answering some of the questions: In every religion, culture and civilization feeding the poor and hungry is considered one of the most noble deeds. However such large scale feeding will require huge investment both in resources and time. A better alternative is to create conditions by which proper wholesome food is available to all the rural poor at affordable price. Getting this done will be the biggest charity.Our work with the rural poor in villages of Western Maharashtra has shown that most of these people are landless laborers. After working the whole day in the fields in scorching sun they come home in the evening and have to cook for the whole family. The cooking is done on the most primitive chulha (wood stove) which results in tremendous indoor air pollution. Many of them also have no electricity so they use primitive and polluting kerosene lamps. World Health Organization (WHO) data has shown that about 300,000 deaths/ year in India can be directly attributed to indoor air pollution in such -nuts. At the same time this pollution results in many respiratory ailments and these people spend close Rs. 200-400 per month on medical bills. Besides the pollution, rural poor also eat very poor diet. They eat whatever is available daily at Public Distribution System (PDS) shops and most of the times these shops are out of rations. Thus they cook whatever is available. The hard work together with poor eating takes a heavy toll on their health. Besides this malnutrition also affects the physical and mental health of their children and may lead to creation of a whole generation of mentally challenged citizens. So I feel that the best way to provide adequate food for rural poor is by setting up rural restaurants on large scale. These restaurants will be similar to regular ones but for people below poverty line (BPL) they will provide meals at subsidized rates. These citizens will pay only Rs. 10 per meal and the rest, which is expected to be quite small, will come as a part of Government subsidy. With existing open market prices of vegetables and groceries average cost of simple meal for a family of four comes to Rs. 50 per meal or Rs. 12.50 per person per meal. If the PDS prices are taken for the groceries then the average cost will be Rs. 7.50 per person per meal. This makes the subsidy approximately Rs. 2.50 per person per meal only and hence quite small. The buying of meals could be by the use of UID (Aadhar) card by rural poor. The total cost should be Rs. 30 per day for three vegetarian meals of breakfast, lunch and dinner. The rural poor will get better nutrition and tasty food by eating in these restaurants. Besides the time saved can be used for resting and other gainful activities like teaching children. Since the food will not be cooked in huts, this strategy will result in less pollution in rural households. This will be beneficial for their health. Besides, women's chores will be reduced drastically. Another advantage of eating in these restaurants will be increased social interaction of rural poor since this could also become a meeting place. Eating in restaurants will also require fewer utensils in house and hence less expenditure. For other things like hot water for bath, making tea, boiling milk and cooking on holidays some utensils and fuel will be required. Our Institute NARI has developed an extremely efficient and environment-friendly stove which provides simultaneously both light and heat for cooking and hence may provide the necessary functions. Providing reasonably priced wholesome food is the basic aim and program of Government of India (GOI). This is the basis of their much touted food security program.However in 65years they have not been able to do so. Thus I feel a public private partnership can help in this. To help the restaurant owners the GOI or state Governments should provide them with soft loans and other line of credit for setting up such facilities. Corporate world can take this up as a part of their corporate social responsibility activity. Their participation will help ensure good quality restaurants and services. Besides the charitable work, this will also make good business sense. McDonald's-type restaurant systems for rural areas can be a good model to be set up for quality control both in terms of hygiene and in terms of quality of food material. However focus will be on availability of wholesome simple vegetarian food in these restaurants.More clientele (volumes) will make these restaurants economical. Existing models of dhabas, udipi type restaurants etc. can be used in this scheme. These restaurants may also be able to provide midday meals in rural schools. At present the midday meal program is faltering due to various reasons. Food coupons in western countries provide cheap food for poor. However quite a number of fast food restaurants in US do not accept them. Besides these coupons are most of the times used for non-food items, it will be mandatory for rural restaurants to accept payment via UID cards for BPL citizens. Existing soup kitchens, lagers and temple food are based on charity. For large scale rural use it should be based on good social enterprise business model. Cooking food in these restaurants will also result in much more efficient use of energy since energy/ kg of food cooked in households is greater than that in restaurants. The main thing however will be to reduce drastically the food wastage In these restaurants. Rural restaurants can also be forced to use clean fuels like LPG or locally produced biomass-based liquid fuels. This strategy is very difficult to enforce for individual households. Large scale employment generation in rural areas may result because of this activity. With an average norm of 30 people employed/ 100-chair restaurant, this program has the potential of generating about 20 million jobs permanently in rural areas. Besides the infrastructure development in setting up restaurants and establishing the food chain etc will help the local farmers and will create huge wealth generation in these areas. In the long run this strategy may provide better food security for rural poor than the existing one which is based on cheap food availability in PDS - a system which is prone to corruption and leakage.In accordance with the view expressed by the writer of this article, what is the biggest charity ?
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MCQ-> Read the following passage carefully and answer the question given below it.Certain words/phrases have been printed in bold to help you locate them while answering some of the questions.Once upon a time a dishonest King had a man call the Valuer in his court. The Valuer set the price which ought to be paid for horses and elephants and the other animals.He also set the price on jewellery and gold.and things of that kind.This man was honest and just and set the proper price to be paid to the owners of the goods.The King however was not pleased with this Valuer because he was honest ‘If I had another sort of a man as Valuer I might gain more riches, he thought One day the King saw a stupid miserly peasant come into the place yard.The King sent for the fellow and asked him if he would like to be Valuer.The peasant said he would like the position.So the King had him made Valuer He sent the honest Valuer away from the place.Then the peasant began to set the prices on horses and elephants upon gold and jewels.He did not know their value so he would say anything he chose.As the King had made him Valuer the People had to sell their goods for the price he set. By and by a horse-dealer brought five hundred horses to the court of this King.The Valuer came and said they were worth a mere measure of rice and the horses to be put in the palace stables. The horse-dealer went then to see the honest man who had been the Valuer and told him what had happened.’What shall I do ?’ asked the horses-dealer “I think you can give a present to the Valuer which will make him “Go to him and give him a fine present then say to him You said the horses are worth a measure of rice,but now tell what a measure of rice is worth ! Can you value that standing in your place by the King ?’ If he says he can go with him to the King and I will be there too” The horses-dealer thought this was a good idea.So he took a fine present to the Valuer and said what the other man had told him to say.The stupid Valuer took the present,and said,”Yes, I can go before the King with you and tell what a measure of rice is worth.I can go before the King with you and tell what a measure of rice is worth. I can value now. Well let us go at once” said the horses-dealer.So they went before the king and his ministers in the palace.The horses-dealer bowed down before the King and said “O King I have learned that a measure of rice is the value of my five hundred horses.But will the King be pleased to ask the Valuer what had happened asked,How now Valuer what are five hundred horses worth ? “A measure of rice O King !” said he “very good then ! If five hundred horses are worth a measure of rice what is the measure of rice worth ?” The measure of rice is worth your whole city” replied the foolish fellow The minister clapped their hands laughing and saying “What a foolish Valuer! How can such a man hold that office ? We used to think this great city was beyond price but this man says it is worth only a measure of rice.Then the King was ashamed and drove out the foolish fellow “I tried to please the King by setting a low price on the horses and now see what has happened to me !’ said the Valuer as he ran away from the laughing crowd.Who did the King appoint as the new Valuer ?
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MCQ-> Read the following passage carefully and answer the question given below it.Certain words/phrase have-been printed in the bold to help you locate them while answering some of the questions. King Hutamasan felt he had everything in the world not only due to his riches and his noble knights but because of his beautiful queen Rani Matsya The rays of the sun were put to shame with the iridescent light that Matsya illuminated with her beauty and brains At the right hand of the king she was known to sit and aid him in all his judicial probes You could not escape her deep-set eyes when you committed a crime as she always knew the and the culprit Her generosity preceded her reputation in the kingdom and her hands were always full to give people in the kingdom revered her because if she passed by she always gave to the compassionate and poor Far away from the kingly palace lived a man named Raman with only ends to his poverty as he had lost all his land to the landlord,His age enabled him little towards manual labour and so begging was the only alternative to salvage his wife and children Every morning he went door to door for some work food or money.The kindness of people always got him enough to take home But Raman was a little self centered His world began with him first followed by his family and the rest So he would eat and drink to his delight and return home with whatever he found excess This routine followed and he never let anyone discover his interest as he always put on a long face when he reached home. One day as he was relishing the bowl of rice he had just received from a humble home he heard that Rani Matsya was to pass from the very place he was standing Her generosity had reached his ears and he knew if he pulled a long face and showed how poor he was she would hand him a bag full of gold coins enough for the rest of his life enough to buy food and supplies for his family.He thought he could keep some coins for himself and only reveal a few to his wife so he can fulfill his own wishes. He ran to the chariot of the Rani and begged her soldiers to allow him to speak to the queen Listening to the arguments outside Rani Matsya opened the curtains of her chariot and asked Raman what he wanted Raman went on his knees and praised the queen I have heard you are most generous and most chaste show this beggar some charity Rani narrowed her brows and asked Raman what he could give her in return Surprised by such a question Raman looked at his bowl full of rice With spite in him he just picked up a few grains of rice and gave it to the queen Rani Matsya counted the 5 grains and looked at his bowl full of rice and said you shall be given what is due to you Saying this the chariot galloped away Raman abused her under his breath This he never thought would happen How could she ask him for something in return when she hadn’t given him anything ? Irked with anger he stormed home and gave his wife the bowl of rice Just then he saw a sack at the enterence His wife said some men had come and kept it there He opened it to find it full of rice He put his hand inside and caught hold of a hard metal only to discover it was a gold coin Elated he upturned the sack to find 5 gold coins in exact for the five rice grains If only I had given my entire bowl thought Raman I would have had a sack full of gold.According to the passage which of the following is definitely true about Rani Matsya ? (A)She was beautiful (B)She was intelligent (C)She was kind....

MCQ-> Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you to locate them while answering some of the questions.A large majority of the poor in India are outside the formal banking system. The policy of financial inclusion sets out to remedy this by making available a basic banking ‘no frills’ account either with nil or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. However, the mere opening of a bank account in the name of every household or adult person may not be enough, unless these accounts and financial services offered to them are used by the account holders. At present, commercial banks do not find it viable to provide services to the poor especially in the rural areas because of huge transaction costs, low volumes of savings in the accounts, lack of information on the account holder, etc. For the poor. interacting with the banks with their paper work, economic costs of going to the bank and the need for flexibility in their accounts, make them turn to other informal channels or other institutions. Thus, there are constraints on both the supply and the demand side.Till now, banks were looking at these accounts from a purely credit perspective. Instead, they should look at this from the point of view of meeting the huge need of the poor for savings. Poor households want to save and, contrary to the common perception, do have the funds to save, but lack control. Informal mutual saving systems like the Rotating Savings and Credit Associations (ROSCAs), widespread in Africa, and ‘thrift and credit groups’ in India demonstrate that poor households save. For the poor household, which lack access to the formal insurance system and the credit system, savings provide a safety net and help them tide over crises. Savings can also keep them away from the clutches of moneylenders, make formal institutions more favourable to lending to them, encourage investment and make them shift to more productive activities, as they may invest in slightly more risky activities which have an overall higher rate of return.Research shows the efficacy of informal institutions in increasing the savings of the small account holders. An MFI in the Philippines, which had existing account holders, was studied. They offered new products with ‘commitment features’. One type had withdrawal restrictions in the sense that it required individuals to restrict their right to withdraw any funds from their own accounts until they reached a self-specified and documented goal. The other type was deposit options. Clients could purchase a locked box for a small fee. The key was with the bank and the client has to bring the box to the bank to make the deposit. He could not dip into the savings even if he wanted to. These accounts did not pay extra money and were illiquid. Surprisingly, these products were popular even though these had restrictions. Results showed that those who opted for these accounts with restrictions had substantially greater savings rates than those who did not. The policy of financial inclusion can be a success if financial inclusion focuses onboth saving needs and credit needs, having a diversified product portfolio for the poor but recognising that self-control problems need to be addressed by having commitment devices. The products with commitment features should be optional. Furthermore transaction costs for the poor could be cut down, by making innovative use of technology available and offering mobile vans with ATM and deposit collection features which could visit villages periodically.What is the aim of the financial inclusion policy ?
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MCQ-> In the following questions, you have a brief passage with 5 questions following the passage. Read the passage carefully and choose the best answer to each question out of the four alternatives.The public distribution system, which provides food at low prices, is a subject of vital concern. There is a growing realization that though India has enough food to feed its masses two square meals a day, the monster of starvation and food insecurity continues to haunt the poor in our country. Increasing the purchasing power of the poor through providing productive employment leading to rising income, and thus good standard of living is the ultimate objective of public policy. However, till then, there is a need to provide assured supply of food through a restructured, more efficient and decentralized public distribution system (PDS). Although the PDS is extensive – it is one of the largest such systems in the world it hasn’t reached the rural poor and the remote places. It remains an urban phenomenon, with the majority of the rural poor still out of its reach due to lack of economic and physical access. The poorest in the cities and the migrants are left out, for they generally do not possess ration cards. The allocation of PDS supplies in big cities is larger than in rural areas. In view of such deficiencies in the system, the PDS urgently needs to be streamlined. Also, considering the large foodgrain production combined with food subsidy on one hand and the continuing slow starvation and dismal poverty of rural population on the other, there is a strong case for making PDS target-group oriented. By making PDS taiget-group oriented, not only the poorest and the neediest would be reached without additional cost but we can also reduce the overall costs incurred.Which of the following is true of public distribution system?
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