Persuasive Essay on Banking Industry In India

Essay on BANKING IN INDIA

A harrowing experience of three quarters of a century has shown that overdosing of nationalization arrests the growth of economy drastically. It gives rise to a monopolistic regime of a few bureaucratic and administrative elites who turn the economic monopoly into political hegemony- all in the name of not merely socialism or communism but in the myth of social welfare. A retrieve becomes difficult. The stunted growth is naturally reflected in the relief of a few at the cost of the rest who are honored with the name of proletariats. That is what the people of East European countries including the State of former USSR realized in early nineties. They did away with the mantle of communism. But to shift from close economy to the free market economy was rather painful. It will take time to adapt to the changing world scenario.

J.V.Shetty, a great protagonist of Bank nationalization has given a fascinating picture of the achievements of banks during their tenure of 25 years. According to him the Gross Domestic Savings as a percentage of GDP jumped from 15% to 24.3 % in the 1969-70 to 1991-92 periods. It shows a growth of 9.7 % in 22 years. Aggregate bank deposits raised from 13 % in the sixties to 20% in the eighties i.e. a growth of 17% in 20 years. The average annual growth rate of bank credit rose by 6% in the eighties. The per capital deposits of course jumped from Rs.96/- in1969 to Rs/-3000 in the 1990s. The figures are realistic of course. But there is a bit of deception. The industrial and agricultural growth in the country during 1990s was enormous looking to the earlier decades in the post-independence era. This was the cause of the growth in the different perimeters of banking activities too. In a progressive economic development it is quite natural. It would rather be delusive to give credit for all this to nationalization. Had the banks been in the private sector the picture might have been brighter still.

Through the nationalization the Government – rather the ruling party increased its potentiality in giving loans to different categories both as a genuine effort to help the poor and as a popularistic design. A large number of people have been helped under IRDP Self Employment Programme. 20 Points Economic Programme resulting in a credit of Rs.11, 358 crores covering 212 lakhs borrowal accounts. The results have been good as well as bad-bad in the sense that a huge amount was never returned affecting the viability of many bank. According to an authentic report only four nationalized banks stood the test of viability in 1994. The banks could not withstand the social responsibilities that were thrust upon them.

The post-liberalization era stood as a challenge to the whole banking system in India as it had in the East European countries and the liberated States of the former USSR and Russia.

Persuasive Essay Topics on AIR POLLUTION Cause and Effects

Persuasive Essay Topics on AIR POLLUTION Cause and Effects

Scientific development in developed countries has gone as fast as population growth in underdeveloped countries. The two factors are equally responsible for pollution of different kinds. Increase in production means increase in factories, mills, petro chemical set ups and huge industrial complexes. Almost all these belch out smoke that pollutes the air inside the complex and of the neighboring area. Many factories manufacture deadly chemicals and fertilizers. The worst tragedy in the chemical industry took place in Bhopal in 1984. 45 tones of Methyl Isocynate (MIC) flew out of the Union Carbide Factory. The air was so polluted that 2500 people died the very day. Lakhs of people within an area of 40 km suffered from ailments of eyes, throat and lungs. Many such cases in small factories where only a few people are affected are never reported.

With the increase in population we require more sources of transport. By 1994 more than 2 crore auto vehicles were registered in the country. Delhi was expected to have near about 25 lakh. In Delhi the 21st century begins with about 1 crore. These scooters, mopeds, cars, buses, and trucks increase the quantity of sulphur dioxide, other oxides, hydrocarbons and carbon monoxide in the atmosphere in cities and the villages around the highways. Bombay, Pune and Ahmadabad in the west, Calcutta in the east, Jaipur, Kanpur, Luck now and Delhi in the North, Madras, Bangalore and Hyderabad in the South and Nagpur in the central part of the country are the most polluted cities where the air pollution is between 47 and 871 tones a day.

Meat processing is also responsible for air pollution. An average American’s yearly meat processing requires burning 190 liters of petrol. It has been realized that many such processing activities are a part of life in developed countries. They consume more of petrol and diesel. The developed countries are now in a position to shift dirty industries to third world countries. India is a target for it adopted the liberalization policy.

The air polluted by the smokers- both in rural and urban areas. Efforts have been made by the government and Non government Organizations to stop this nuisance. But it has not been taken up a serious problem. People are seen smoking even in the Air conditioned compartments. It requires a consciousness among the people that even passive smoking i.e. remaining in the company of those who smoke is injurious for health.

A summit was held at Rio de Janeiro in Brazil in1992. It was attended by 178 countries. The participants realized the gravity of the problem. The 27 point Rio declaration was backed by all the countries. The Summit gave an opportunity to all the countries to start thinking in this direction. It has made people conscious of the forthcoming tragedy if they do not pay attention to this calamity.

Some people think that road transport is responsible for air pollution the most. Either the automobiles should have perfect appliances that don’t pollute air or the very dependence on petrol and diesel should be left. It does not mean that we should go back to the mule age. But we can replace petrol derivatives with batteries or solar plants.

Persuasive Essay Writing On ABUSE OF INDIAN CHILD

Persuasive Essay Writing On ABUSE OF INDIAN CHILD

There has been open abuse of children in a number of ways in India. Girls in early teens in Hyderabad and Kerala are married to Sheikhs from Arab countries. It went to such an extent that the Waqf Board had to ask the Moulvis to bring such pending marriages to the notice of the board before solemnizing them. The abuse of girls on the border of Maharashtra and Karnataka where girl child is offered to the temple of goddess Yellamma as Devadasi is nothing less than throwing her to the flesh market. The harassment of both male and female child in the bonded labor market is well known. Both are sexually assaulted by the employer and contractor. Same is the story of girls in the tribal belt where the child is a prey for the forest employees, contractors and even government servants.

The condition of children is worse in city slums, footpath dwellings and Indian Jails. They are sexually exploited by the slum dadas-even neighbors in the slums and on foot paths in metropolitan cities. Since there are not many juvenile jails in India most of the child convicts are kept in regular jails. Sexual abuse is a regular feature. Hard core convicts and jail staff satisfy their sexual lust on these children. Eighties saw a new type of child abuse. There was a spree of child adoption by foreigners from developed countries on humanitarian grounds. In due course it was also found that in many cases these children had to work as household servants. Where can one find such a cheap commodity? In some cases it was also found that the children became sexual targets of their adopters. Government of India and the Mission of charity had to put many restrictions on this adopting business.

Nineties began with the most ignoble type of abuse. Even child abuse has taken a sophisticated turn in this age of sophistication. One can have or transmit the most sophisticated knowledge on latest inventions and technology across the world in milliseconds through Cyberspace and internet-information systems. There are a large number of files on the computer based bulletin board information system. It is in operation in all developed countries. A farmer, a scientist or a musician, even a housewife can secure information from a file in the bulletin network on the computer and can have its printout on a laser writer or any other printer one has access to. It is just like having a photocopy as you have of a reservation ticket or a computerized article.

This useful and most beneficial system has been now used for the satisfaction of the basest pleasure- the sexual vision and perception not indulgence of course. Paedophiles have introduced their own files in these bulletins. If a number of the files is known any one can have the meanest enjoyment of child pornography on their sets and can acquire the prints too. There is a network of paedophiles in the under developed countries. They would take the photographs or films of children who have been forced to indulge in sex with other children or even adults. These are transmitted to the bulletin files. This abuse was formerly arranged with small children in Sri Lanka. Beautiful beaches there are the happy hunting grounds for western paedophiles. The same has been done by these mean people in Thailand Philippines. Now it is the turn of India on a very large scale.

The biggest centre of these activities is Copenhagen, a beautiful port in Denmark. There pornography is legal. There are checks only on sexual abuse below age of consent. The age of consent is 15. Thus pornographic pictures and films of children of Denmark above 15 are not illegal. But in the case of children of undeveloped countries there are no norms. Their pornographic pictures are shown and enjoyed openly. The moral malady is expected to spread in other European countries too. India being a poor country anyone can be exploited here. Poor Indian children are easy prey to the evil designs of the paedophiles. When and how they manage to have the pornographic materials is yet to be traced. The government does not seem inclined to do anything in this respect in the modern atmosphere of liberalisation.

Persuasive Essay Writing on A WEEKLY MARKET DAY

Persuasive Essay Writing on A WEEKLY MARKET DAY

Don’t rush. Drive slow. See the baby crossing the road, cried my sister. The driver slowed down the jeep. We were on the highway from Ranchi to Raigarh. But now at Patratoli the highway was overflowing with human beings of all ages- men, women, old and young –little children running on the road as if it was the courtyard of their house; and little babies trying to jump out of the laps of their mothers. I had seen weekly markets at different places. But the one at Patratoli- about half a kilometer long –as is a big regular market had come down to the roadside to be at the reach of the Vanvasis.

Toys and toys and toys- all indigenous toys of wood, paper machine bamboo and even of stones. A three-wheel walkie for the kid to learn walking-a bird that would whirl in the atmosphere on a string- small wood toys- a whole platoon of soldiers with guns, a complete bands for the occasion of the marriage of your doll. The whole transport system- buses, trains, jeeps, cars, aeroplanes, ships and boats all are there to suit everyone’s pocket. At a little distance you will find an enthusiastic young man exhibiting some mechanized toys too. A three bogie Calcutta Express moves fast on a railway track. All would enjoy the show. But the prices are prohibitive. They would buy the wooden ones only.

Turn to the left in the middle of the roadside market. You have a sub market, but a big one vegetables and vegetables- cheap as well as costly. People buy them for a week- for they’ll have them next Thursday only. What about cooking media. Don’t worry. There’s another small market of about 30 shops- all temporary ones. You’ll have oil, vegetable ghee, and refined oil-no desi ghee. Who will purchase these more than hundred rupees a kilo in this area? But pulses, rice, gram, peas- all are available.

Don’t get disheartened if you are a non-vegetarian. Mutton is there. But the most hankered after is the poultry- a lot of it- a bit prohibitive for the poor. But then they can have fish- most of them are small frying variety brought by the tribal themselves from their village ponds. The trade of mahua too is among the tribal only- some selling- others purchasing.

Snacks! – Of course you can have these too. There is a row of sweet meat sellers. Of course, one can have sophisticated biscuits and toffee for children once in a while. Fruits may be considered a rare thing. But bananas and mangoes are there in small baskets and carts.

You can have rest under a tree where free water is available before going for the ready-made clothes. Three-fourth of the market is occupied by these cloth merchants of all shades. Yes you can have a sari for your mother or sister. See that young man purchasing a fantastic one for his newlywed partner. You can have lunges and underwear of all shades and colors- no, no, no sophistication here- all bright and fast colors.

Require utensils! Available in plenty- brass, copper, stainless steel and many in plastic too. Crockery too is there. But make haste for the evening is approaching. The vendors have already started winding their business- putting the things back in the boxes. Within half an hour the road will be left bare for your jeep to rush to your destination.

Persuasive Essay topics on ‘A VISIT TO A HISTORICAL MONUMENT- THE TAJ’

A VISIT TO A HISTORICAL MONUMENT- THE TAJ

One has to attune one’s mind while passing from spiritual faith to mortal love. Holy Haridwar and Rhishikesh, the abodes of Saints were left miles and miles behind. I was sailing on the clouds of fancy. My soul was pining to see the monument that has immortalized the love between Shajahan and Mumtaz Beghum. My impatience changed into curiosity when I came across the board ‘Taj View’. On the other side of the Jamuna the ‘Dream in Marble’ appeared at a distance and was gone in a minute. An hour and we would be face to face with this seventeenth century monument. Entering the huge red stone gate you reach a platform, and the whole panorama of Taj complex is before you. A few stairs down-the canal leads you to the glamorous building. It is flanked by Cyprus trees. There are fountains in the middle. But they do no sprout as those of the Vrindavan Gardens do. They are the serene symbols of a tomb.

The Taj stands on a raised platform. The octagonal shining white building has a perfect symmetry. In the big hall Shajahan enjoys eternal sleep with his wife Mumtaz. The two graves are surrounded with a beautiful marble lattice. There is a corridor of rooms around the hall. Everything is superb and graceful. On the four corners of the platform are four minarets standing lie four sentries in sparkling white robes. River Yamuna washes its feet on the other side.

The majesty stuck me. It was a dream realized. But dreams are dreams after all. I was lost in the beauty and height of the dome when someone put his hand on my shoulders. ‘Isn’t it beautiful? The man asked. ‘Oh! It’s marvelous’ I replied.

“But its marvel lies not in being a tomb but a temple,” he said taking me to another side. There was a full length copy of the shining metal structure above the dome. It comprised of a trident, a sacred coco-nut, two mango leaves, a’Kalash’ and the moon as on the forehead of Lord Shiva. He took me to other buildings. All the borders were cut or engraved with the figures of ‘trishul’ and snakes, the symbols of Lord Shiva. The middle aged man told me that two American Archaeologists took two pieces of marble from the main building. After latest chemical process they have proved that Taj was built in the 12th century and no the seventeenth. It is the fifth Shiva Temple of Agra built by King Parmardi Dev. He gave me a pamphlet having 42 reasons and left.

I was rather stunned. The dream was lost in confusion. I just thought the Government does not explode the myth only because the Taj is the source of one third of the total tourist income of the country. A temple won’t attract these crowds and we do not want to displease a community.

I was rather thankful to Shajahan for not destroying the building. He only removed the Shiva Linga from the centre of the inner hall and replaced it with the grave of his beloved Mumtaz Beghum. Back home I turned the pages of history and found that Mumtaz Begham had died in a city in Maharashtra. There is a tomb of the queen there. How her body was brought to Agra more than a thousand miles. Moreover was her body exhumed which is considered a sin among Muslims.

It brought to my mind the controversy of Babri Masjid at Ayodhya, Krishna Janma Bhumi at Mathura where mosques were built over the temples of Ram lala and Bal Krishna. It also reminded me of the mosque at Varanasi where half of the temple of Lord Shiva has been changed into a mosque. Well I could not forget the temple of 64 yoginis at Jabalpur and 365 devis at Viramgam in Gujarat whose breasts, nose and ears were cut. This all is rather a farce in this country just to appease a certain community. People and Non government organizations should raise their voice against this national humiliation.