Friday, December 30, 2011
Misfortune
Misfortune cannot be conquered by furious and continuing resentment.
We win victory over bereavement only when we face our loss, accept our loss,
and then make our way through and beyond our loss.
You ask how we make our way through it and beyond it ?
We do so by deliberately re entering the world of daily activity-
the busy world of problems, duties, friendships, opportunities and satisfactions.
A resentful, self pitying life is a doomed life.
Only the life that picks up and starts again is victorious.
The loss of a loved one is a sorrow all of us must eventually face,
and never is help more needed than during the first dark days of bereavement.
The true way to mourn the dead is to take care of the living who belong to them.
Believe when you are most unhappy, that there is something for you to do in the world.
So long as you can sweeten another’s pain, life is not in vain.
Robbed of joy, of courage, and of the very desire to live, the newly bereaved
frequently avoids companionship, feeling himself so limp with misery
and so empty of vitality that he is ill suited for human contacts; and yet no one is
so bereaved, so miserable, that he cannot find someone else to help in their time of need;
someone who needs friendship, understanding, and courage more than he.
The unselfish effort to bring cheer to others will be the
beginning of a happier life for ourselves.
Often when the heart is torn with sorrow, spiritually we wander like a traveller
lost in a deep wood.
We grow frightened, lose all sense of direction, and batter ourselves against trees
and rocks in our attempt to find a path.
All the while there is a path- a path of faith-that leads straight out of the dense
tangle of our difficulties into the open road we are seeking.
Let us not weep for those who have gone away when their lives were at full bloom and beauty.
Who are we that we should mourn them and wish them back ? Life at its every stage is good,
but who shall say whether those who die in the splendor of their prime are not fortunate to
have known no abatement, no dulling of the flame by ash, no slow fading of life’s perfect flower.
We win victory over bereavement only when we face our loss, accept our loss,
and then make our way through and beyond our loss.
You ask how we make our way through it and beyond it ?
We do so by deliberately re entering the world of daily activity-
the busy world of problems, duties, friendships, opportunities and satisfactions.
A resentful, self pitying life is a doomed life.
Only the life that picks up and starts again is victorious.
The loss of a loved one is a sorrow all of us must eventually face,
and never is help more needed than during the first dark days of bereavement.
The true way to mourn the dead is to take care of the living who belong to them.
Believe when you are most unhappy, that there is something for you to do in the world.
So long as you can sweeten another’s pain, life is not in vain.
Robbed of joy, of courage, and of the very desire to live, the newly bereaved
frequently avoids companionship, feeling himself so limp with misery
and so empty of vitality that he is ill suited for human contacts; and yet no one is
so bereaved, so miserable, that he cannot find someone else to help in their time of need;
someone who needs friendship, understanding, and courage more than he.
The unselfish effort to bring cheer to others will be the
beginning of a happier life for ourselves.
Often when the heart is torn with sorrow, spiritually we wander like a traveller
lost in a deep wood.
We grow frightened, lose all sense of direction, and batter ourselves against trees
and rocks in our attempt to find a path.
All the while there is a path- a path of faith-that leads straight out of the dense
tangle of our difficulties into the open road we are seeking.
Let us not weep for those who have gone away when their lives were at full bloom and beauty.
Who are we that we should mourn them and wish them back ? Life at its every stage is good,
but who shall say whether those who die in the splendor of their prime are not fortunate to
have known no abatement, no dulling of the flame by ash, no slow fading of life’s perfect flower.
Thursday, December 29, 2011
Wednesday, December 28, 2011
Love is the only way to grasp another human being in the innermost core of his personality.
Good from a distance as you enjoy;
But try to capture it,
And you have nothing to capture.
Don’t try to capture life,
Feel every moment you live.
“Time goes by so fast, people go in and out of your life. You must never miss the opportunity to tell these people how much they mean to you.”
Time is a wealth of change, but the clock in its parody makes it mere change and no wealth.
Let your life lightly dance on the edges of Time like dew on the tip of a leaf.
keep your focus on your goals.
to quit along the way.
It is during these times that we need to check our focus
and remember that - the focus needs to be on the finish,
not the difficulties along the way.
Set your eye on the goals.
Do not be worried of the difficulties on your way,
keep your focus on your goals.
Tuesday, December 27, 2011
Live as if you were to die tomorrow. Learn as if you were to live forever
Listen to many, speak to a few
Live as if you were to die tomorrow. Learn as if you were to live forever
Sunday, December 25, 2011
The Sunshade
Fizazunera was the daughter of a rich goldsmith. She lived in a big house which had many rooms, a wide curved staircase, and a fine, large garden. Her father gave her as many gold rings and bracelets as she wanted and she had many beautiful dresses of silk and bright satin. But F was not happy. ‘I am so plain’, she thought, and I am sure everyone think so.’ And so she would wander in the house all day or pick flowers in the garden. She never went into the street until it was quite dark.
One day the housekeeper fell ill. Fizazunera had to go the market in the day to buy meat and vegetables. She pulled her bonnet frill over her forehead to cover her face. But the women in the market place recognized her and whispered to each other, “Look, there goes the goldsmith’s daughter. How plain she is”.
Fizazunera walked quickly between the tall. She hated to hear people make fun of her. She wished she had not come out.
Then suddenly she heard an old woman calling her, where are you going in such a hurry, Fizazunera? Come and see the things I am selling’’.
It was a kind voice and Fizazunera paused and looked around.
“That’s better,” aid the old woman. “Come here my child. I have something to show you”.
She looked in an old hamper, took out a sunshade and opened it. It was made of delicate, pale-blue silk and was embroidered with tiny white pearls.
“Do you like it?” the old woman asked.
“Oh yes, “said Fizazunera.” But I spend most of the time indoor. It won’t be of any use to me.”
The old woman smiled. “One moment,” he said. “Hold the sunshade over your head and take a look at yourself! She held a gleaming mirror in her wrinkled hand. Fizazunera saw the beautiful face of a stranger reflected in the mirror.
“That is you,” said the old woman. As long as you hold the Sunshade over your head, only the beauty of your kind heart will be seen and no one will ever laugh at your beautiful face.”
If only it were mine,” Sighed Fizazunera, stroking the blue silk.
“It is yours”, said the old woman, I have given it to you. Go now. And be happy.”
Fizazunera could see that the old woman was poor, and could not give away things freely. So she took out the gold bracelet which her father had given her. She handed it to the old woman and said, “I want to give you something too, to make you happy.”
Fizazunera went on her way. As she passed shyly through the market-place, she felt the admiring glances of people around her. She smiled happily under the blue dome of the sunshade.
When she got home, Fizazunera closed the sunshade and once again she saw her plain face in the hall mirror. ‘I will not tell father anything about what happened, she thought, ‘how sad he would be to see me beautiful one moment and plain the next.’ So she hid the old woman’ gift in her cupboard and carried on with her work as though nothing had happened.
But that evening, before dusk fell, Fizazunera put on a pretty silk dress and felt the house. She had the new sunshade open above her head. She did not care whether people thought it was strange to carry a sunshade when the sun had already set. He wanted to be beautiful! Nobody noticed the sunshade as she walked on the street. They only admired her loveliness. They continued to talk about this beautiful stranger even after she had passed by.
There was a big park in the city where a band played every evening under bright-colored light and people danced to the music. Fizazunera had always wanted to join the dancing at the park. But she had never had the courage. Now she felt no fear, and danced, spinning the blue Sunshade above her head.
The people who had earlier avoided Fizazunera now crowded around her to talk to her. They were eager to know whether she had come to the city on a short visit or she was going to live here. Fizazunera listened to these questions. She wandered happily pat the fountains and through the rose-gardens with her admirers. She talked, joked and laughed with sparkling eyes, until she heard a sudden burst of coarse, cruel laughter.
She stopped in dismay. Had her sunshade lot its magic power? Was she her plain elf again, and were people laughing at her? Surely not-all her companions were still looking at her admiringly. She went closer and found that were gathered round a man whose body was crooked and bent. “Go away, you do not belong here,” they said. “You can’t dance with a body like that.”
“Leave the poor man alone”, aid Fizazunera suddenly. “Don’t you care for other people’s feelings?”
“But I can’t bear to look at him,” shrieked a girl.
Fizazunera stood silent for a moment, and then she gave the man her magic sunshade. When he took it, hi face and looks became youthful and bright at once and his back was now had laughed at him stepped back in amazement. Fizazunera thought sadly, now they will look at me. But no one seemed to notice her. They were stunned by the miraculous change in the man with the bent back. He himself held the sunshade over his head, Unable to understand what had happened to him.
Fizazunera held out her hand to take it back, but suddenly felt that he did not want it anymore. She turned and walked away quietly. The bright light in the park went out one by one, but there was a full moon. The surface of the pond glittered in the moonlight. Fizazunera stood near it for a while, and then she bent down to wash her face with the cool water. But—was this her reflection?
A beautiful face, filled with goodness, looked up at her from the mirror of the pond. It was even more beautiful than it had been under the sunshade. The stars twinkled in the water like a thousand little diamonds. And the breeze carried tars on the waves to where Fizazunera knelt on the bank.
Friday, December 23, 2011
Regional Rural Banks in Rural Finance
Institute’s name: Global Institute For Corporate Education
Key words: RRBs, Institutional credit, Rural India, economic stability.
Abstract:
This is an attempt to analyze the various role, objective, functioning of regional rural banks operating in India. RRBs which were established with a mission to develop the rural economy by providing, institutional credit for the development of agriculture, trade, commerce, industry and other productive activities in the rural areas.
They tend to provide various credit policies to the small farmers at a reasonable rate of interest and other facilities to farmers, agricultural laborers, artisans and small entrepreneurs in the rural India as mention in the RRBs Act, 1976.
RRBs also took various innovative measures to improve standard of living of the farmers for e.g. Launch of Kisan Credit Cards to the farmers and organized over 5,000 out of 11,000 farmers’ clubs under NABARD scheme. Finding ways by which the standard of living of the rural India can be improved, establish a distribution system in the economy which is effective and functioned effectively.
This study is to find what the current situations is in the regional rural bank are and have recommended various ways to improve its lacking areas and attain greater success.
Introduction:
Rural India is the heart of the nation and contributes; to a greater extent, for the overall development of the country. Nearly 70% population of the country depends on agriculture and other primary activities. They are the supreme part of the country and for the welfare of rural population the government of India has taken many steps. However, government needs to provide special attention towards them and to bring the success at greater height, special initiatives should be taken. To provide financial assistance many regional rural banks were introduced and the first(RRB) was established on 2nd October 1975 which was sponsored by Syndicate bank, State Bank of India, Punjab National Bank, United Commercial Bank and United Bank of India.
These are set with an objective to provide enough institutional credit for rural market and agriculture. The Regional Rural Banks (RRBs) are formed with a motive of bringing economic development in rural India and to eliminate various systems like – money lending and zamindari system and other unfriendly farming systems.
Furthermore, the micro finances also have a vision of providing credit savings and insurance in rural India as another step to encourage agriculture by granting small loans and micro credit scheme which was especially for the rural sector of India.
However, there are various difficulties in implementing this formal source of finance such as rural people are more focus on taking loans from family and friends, local money lenders rather than obtaining from formal sources.
Objectives of Regional Rural Banks (RRBs):
(RRBs) represent government in rural sector and focus on improving the overall scenario in rural India by creating value and transparency in the financial system and also help by making large population economically independent.
Ø Providing institutional credit: A system in which regional rural bank provides timely, cheap and adequate credit to farmers.
Ø Enabling rural India at par with urban India: In order to bring overall development it is important that we should emphasis on rural prosperity so that regional imbalance is eliminated and promote modern technology for improved agriculture and rural business practices.
Ø Economic stability in rural India: Economic is the most vital thing for any country to keep prosperity and harmony with sufficient amount of wealth and system.
Ø To improve the financial health of rural India: In rural India the general way of obtaining cash is from informal sources resulting in exploitation to borrowers.
Roles of Regional Rural Banks (RRBs):
As Gandhiji has said “Real India lies in villages”, (RRBs) play various roles to improve the situation in rural India
Ø Upliftment of rural India: Rural India provides major chunk in the country’s GDP (gross domestic product) and is also responsible for daily functioning of an ordinary Indian household. RRBs help in uplifting the rural portion of India along with largely substantial economic growth.
Ø Responsible of growth of economy: Another major role played by (RRBs) is that they worked on improving the financial situation of rural people which ultimately leads to the growth of the economy.
Ø Familiarizing with banking system: The general public in rural India are not very aware with the banking system and various services providing by different banks. In this context, (RRBs) come into the picture and perform the challenging task of educating rural people and making them to use these services at ease.
Ø Create awareness and reduce exploitation: One of the major concerns of these organizations is to provide adequate and relevant information to the rural India which varies from technology, current situations (like FDI on Retail) and other happenings in and around which helps them to improve their current standards in terms of business and agriculture. By do so, RRBs avoid or reduces the level of exploitation in rural India which has taken many lives every now and then.
Expansions of Regional Rural Banks (RRBs):
Table 1: Expansion of Regional Banking: 1975-1990 | Dec. 1975 | Dec. 1980 | Dec. 1985 | Mar. 1990 | |
| Banks | 6 | 85 | 188 | 196 |
| Branches | 17 | 3,279 | 12,606 | 14,443 |
Source: www.macroscan.org
With expansion, RRBs provide a ray of hope to the people of rural India and make them productive in the years to come.
Current scenario and some changes:
If we see the way how RRBs operates today, there will be vast difference the way banks operated few years ago. There are number of reforms which are introduced, removed or upgraded. Here we bring out some of the latest changes in the policies of RRBs.
Ø LIC tied up with one of the RRBs. There are many banks and other financial service providers which are not reaching to the remote part of the country. Realizing this LIC has joined hands with Paschin Banga Gramin Bank in the state of West Bengal to make its insurance products available.
Ø RRBs have urged to the government to allow some branches to set up as extensions counters or even mobile bank branches.
Ø Launching of Kisan credit cards in order to reduce the time lapse of the farmer is the current good thing happen in the area of rural banking.
Challenges faced by RRBs:
Rural India where most of the decision are taken by heart rather by the mind, is a major challenge for the regional rural bank to operate, sometimes it is difficult for them to implement certain policies as the mindset of the people residing in these sectors are totally different as compared to that of urban India. RRBs face various other challenges in regard to this which are listed below:
Ø Resistance from the people: Individual who are from rural India generally do not welcome any change and takes longer time to accept the change as compare to their counter parts, most of the times they feel that something new is not good and the present situation is the best and it should not be replace by new things or system.
Ø Presence of traditional lending system: Rural India, where the traditional lending system still prevails is a major challenge for the RRBs. With their presence it has become a challenge for RRBs.
Ø Political challenges: In a country like India where currently the political scenario is not feasible like-scams, corruption and so on, it is very difficult for them to operate, survive and deliver the efficiency work for which they have set.
Ø Competition from various commercial banks: Another major challenge faced by the rural banks is that various other banks that are now effectively operating in the rural parts of India are creating threats for them and in some cases exploit the farmers in the name of welfare.
Ø Market challenges: Sometimes events occurring in the market place create severe situation for the banks especially for rural banks that are tied up with various commercial banks. Market conditions like inflation, deflation, recession, depression etc. have different effects and turn the coin other side.
Ways to overcome the challenges:
Ø Proper allocation of available resources: One of the ways through which we can gain efficiency is by planning the allocation of funds and resources.
Ø Introduction of transparent procedure and policies: The overall procedure to get a bank loan should be made in such a way that should be transparent and clear to everyone.
Ø Time factor: The time also makes a huge difference. The banking timing should be made in such a way that is suitable for public.
Ø Educating the users: Initially the people who use the banking facilities should be given proper training and 24*7 assistance should be provided.
Ø Necessary arrangement should be done not only as banking solutions but also other facilities like helping them to understand policies, guiding to fill forms etc.
Ø Effective usage of available technology: technology plays a very important role. It is through technology that we can introduce many other facilities and enhance rural banking.
Conclusion:
We have seen that it has been nearly 35 years that since the inception of RRBs. Many objectives have been achieved however some more are still to get and the struggle is still going on. It is not only through these micro finances we can get the set goals. Indeed, many others factors like government policies, interest of general people are also very crucial and therefore the objectives can me met only if everything goes on hand to hand.
Ultimately, we can say that rural market is one the potential market which will take the economy of the country to the greater height, RRBs are not only promoting and developing banking system in rural parts of the country by delivering better banking solutions and services but also helping the country to tighten its position in global economy and has contributes a lot for the emergence as one of the fastest developing countries in the world. Furthermore, these RRBs also promise bright future, harmony and prosperity in the entire nation.
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