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  • Foreign Policy Watch: India-Maldives

    The Maldives, the evolution of a democracy

    op-ed snap | International Relations | Mains Paper 2: India & Its Neighborhood – Relations

    What’s the news?

    • The recent presidential election in the Maldives has demonstrated the vitality of democracy in South Asia’s smallest nation-state.

    Central idea

    • The Maldives’ recent fair and free election, which enhanced its international standing, underscores the importance of a nuanced understanding of its politics rather than portraying it as a China vs. India contest. Voter concerns, especially among the youth, are primarily centered on economic well-being.

    Transition of Power in the Maldives and India vs. China

    • Maumoon Abdul Gayoom’s Era (1978–2008): For three decades, Maumoon Abdul Gayoom ruled as the President, maintaining a one-party system. This period marked a lack of political pluralism and democracy in the Maldives.
    • Emergence of Multiparty Democracy (Late 2000s): The Maldives began to transition towards a multiparty democracy under a new constitution, signaling a shift away from Gayoom’s authoritarian rule.
    • Mohamed Nasheed’s Presidency (2008–2012): Mohamed Nasheed, a charismatic leader, became the first directly elected President of the Maldives. However, his presidency was short-lived, as he did not complete his full five-year term.
    • Shared Presidency (2012–2013): Mohamed Nasheed’s resignation led to a period of political uncertainty. Mohamed Waheed Hassan assumed the presidency during this transitional phase.
    • Abdulla Yameen’s Presidency (2013–2018): Abdulla Yameen became president and was notably the most pro-China president during his tenure. His presidency marked a shift in the Maldives’ foreign policy towards China.
    • Ibrahim Mohamed Solih’s Presidency (2018–2023): Ibrahim Mohamed Solih, representing the Maldivian Democratic Party (MDP), assumed the presidency and adopted an ‘India First’ policy, emphasizing strong ties with India.
    • Transition to Mohamed Muizzu (Upcoming): Following Ibrahim Mohamed Solih’s defeat, the presidency is set to transition to Mohamed Muizzu, the opposition candidate backed by an alliance of political parties. Muizzu, who currently serves as the mayor of the capital city, Male, will be sworn in as the new president.

    Challenges Faced by Ibrahim Mohamed Solih

    • Historical Incumbent Disadvantage: The Maldives has a history of not re-electing incumbent presidents, posing a significant challenge to Solih’s re-election.
    • Intraparty Conflict: Internal divisions within the ruling MDP, exacerbated by Mohamed Nasheed’s departure, weakened party cohesion and campaign effectiveness.
    • Disinformation Campaign: The opposition alliance launched a disinformation campaign exploiting MDP’s internal divisions and injecting unnecessary geopolitical issues into the election discourse.
    • Loss of Nasheed’s Influence: Mohamed Nasheed’s departure deprived the MDP of his charismatic leadership and effective communication skills, further straining party unity.

    The Path Ahead for the Maldives

    • Leadership Dynamics: Watch for the evolving relationship between President-elect Muizzu and former President Yameen, a key figure in the new administration.
    • Transition to Presidential Role: Expect Mayor Muizzu to shift from his mayoral role to acting as president, focusing on domestic development and regional responsibilities.
    • Domestic Priorities: Muizzu is likely to prioritize issues like employment, housing, and education for Maldivian citizens while leveraging foreign policy for national interests.
    • Foreign Policy Options: The new administration faces choices in foreign policy: revert to ‘India Out,’ continue ‘India First,’ or adopt a balanced approach involving India and China.
    • Changing Global Landscape: Consider the impact of challenges to China’s Belt and Road Initiative, the Sri Lankan financial crisis requiring India’s help, and shifts in India-Gulf State relations on the Maldives’ stance.
    • Islamist Constituency: Monitor the attitude of the Maldives’ Islamist constituency, which historically had complex relations with India, in response to changing regional dynamics.
    • Reduced Interest in Pakistan: Observe how diminishing interest in Pakistan in West Asia may affect the Maldives’ security and its handling of extremism-related challenges.

    Recommendations for India’s approach in the evolving Maldivian political landscape

    • Positive Public Sentiment: India enjoys a positive image among the Maldivian people, thanks to extensive development work and community projects. This sentiment can be leveraged for stronger bilateral relations.
    • Engagement with Youth: Thousands of Maldivian youth have benefited from training and capacity-building programs in India. Continued engagement with youth is vital for fostering long-term ties.
    • Diverse Engagement: India plays a significant role in the Maldives, including in tourism, trade, and investment. This multifaceted engagement should be nurtured and expanded.
    • Strengthening Regional Initiatives: New Delhi should focus on strengthening regional initiatives, such as the Colombo Security Conclave, with tangible outcomes in maritime security and the development of the Blue Economy.
    • BIMSTEC Involvement: India should consider reimagining regional cooperation by inviting the Maldives as an observer in the Bay of Bengal Initiative for Multi-Sectoral Technical and Economic Cooperation (BIMSTEC) at its next summit. This could enhance regional collaboration.
    • Resource Allocation: There is a need for additional resources to support India’s strategic community and media organizations in taking a more active interest in the Maldives. Building bridges of mutual understanding and trust is essential.

    Conclusion

    • The Maldives’ recent presidential election underscores the resilience of democracy and the evolving political landscape in South Asia. As the nation embarks on a new chapter, prudent diplomacy and strategic engagement will be essential for the Maldives and its regional partners, including India, to navigate the challenges and opportunities on the horizon.

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  • Indian Ocean Power Competition

    Sri Lanka to take over as Chair of Indian Ocean Rim Association (IORA)

    IOCR | International Relations | Mains Paper 2: Bilateral, Regional and Global Groupings and agreements involving India

    iora

    Central Idea

    • Sri Lanka is set to take over Chair of the Indian Ocean Rim Association (IORA) succeeding Bangladesh.
    • It will hold this prestigious position for the next two years.

    About Indian Ocean Rim Association (IORA)

    • Establishment: Founded in 1997, IORA serves as a regional forum aimed at fostering understanding and mutually beneficial cooperation through a consensus-based, non-intrusive approach.
    • Membership: IORA comprises 23 member states, including Australia, Bangladesh, Comoros, India, Indonesia, Iran, Kenya, Madagascar, Malaysia, Maldives, Mauritius, Mozambique, Oman, Seychelles, Singapore, Somalia, South Africa, Sri Lanka, Tanzania, Thailand, UAE, and Yemen.
    • Secretariat: The association’s Secretariat is based in Cyber City, Ebene, Mauritius, responsible for managing, coordinating, servicing, and monitoring policy decisions, work programs, and projects adopted by member states.

    Significance of IORA

    • IORA’s significance is underscored by the Indian Ocean’s pivotal role in global trade, handling half of the world’s container ships, one-third of bulk cargo traffic, and two-thirds of oil shipments.
    • It forms the lifeline of international trade and transport, controlling major sea-lanes.

    Agenda for Collaborative Action

    The Council of Ministers will engage in discussions to foster collaboration across six priority areas highlighted by the IORA:

    1. Trade and Investment
    2. Maritime Safety and Security
    3. Fisheries Management
    4. Disaster Risk Management
    5. Blue Economy
    6. Strengthening Regional Ties

    Strategic Significance for Sri Lanka

    • Navigating Geopolitical Dynamics: Sri Lanka often finds itself managing complex strategic interests involving India and China within the Indian Ocean Region, positioning it as a crucial player in the IORA.
    • Regional Inclusivity: Sri Lanka’s active participation in the forum aligns it with neighboring nations, fostering regional inclusivity and cooperation. This engagement extends to countries such as Pakistan, Myanmar, Bangladesh, Nepal, and Afghanistan.

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  • Tribes in News

    Scheduled Areas in India: A Constitutional Framework

    Explained | Polity | Mains Paper 2: Indian Constitution – historical underpinnings, evolution, features, amendments, significant provisions and basic structure

    Scheduled Area

    Central Idea

    • India’s diverse landscape is home to 705 Scheduled Tribe (ST) communities, constituting 8.6% of the nation’s population.
    • These communities reside across 26 States and six Union Territories.
    • A crucial constitutional provision, Article 244, governs the administration of Scheduled and Tribal Areas, significantly impacting the lives of STs.

    Constitutional Framework for STs

    • Fifth Schedule (Article 244(1)): This provision applies the Fifth Schedule’s provisions to Scheduled Areas in states other than Assam, Meghalaya, Tripura, and Mizoram.
    • Sixth Schedule (Article 244(2)): In the mentioned states, the Sixth Schedule governs the administration of Scheduled and Tribal Areas.

    Geographical Scope of Scheduled Areas

    • Coverage: Scheduled Areas span 11.3% of India’s land area, designated in 10 States: Andhra Pradesh, Telangana, Odisha, Jharkhand, Chhattisgarh, Madhya Pradesh, Rajasthan, Gujarat, Maharashtra, and Himachal Pradesh. Kerala has proposed additional areas for notification, pending government approval.
    • Exclusions: Despite demands from Adivasi organizations, numerous villages in Scheduled Areas and other regions with ST populations have been excluded from Article 244’s purview. Consequently, 59% of India’s STs lack the rights conferred by Scheduled Areas-related laws.

    Historical Recommendations

    • Bhuria Committee (1995): This committee recommended extending panchayat raj to Scheduled Areas, including the villages, a suggestion yet to be implemented.
    • Denotification Debate: Some argue for the denotification of parts of Scheduled Areas where non-tribal individuals have increased, citing the absence of viable ST-majority administrative units.

    Governance of Scheduled Areas

    • Notification: The President of India designates Scheduled Areas.
    • Tribal Advisory Council: States with Scheduled Areas must establish a Tribal Advisory Council with up to 20 ST members to advise the Governor on ST welfare matters.
    • Governor’s Role: The Governor reports annually to the President regarding Scheduled Areas’ administration. They can also repeal or amend laws applicable to the Scheduled Area, regulate tribal land transfer, and control money-lending activities.
    • Underutilized Provisions: These extensive powers granted to Governors and the President have remained largely inactive, with notable exceptions in Maharashtra from 2014 to 2020.

    Defining a Scheduled Area

    • Exclusive Presidential Power: The Fifth Schedule exclusively grants the President the authority to declare Scheduled Areas.
    • Empirical Basis: A 2006 Supreme Court ruling upheld the executive function of identifying Scheduled Areas and stated that it lacks the expertise to scrutinize this process.
    • Criteria: Neither the Constitution nor any law specifies criteria for identifying Scheduled Areas. However, based on the Dhebar Commission Report (1961), key considerations include tribal population predominance, area compactness, administrative viability, and economic backwardness relative to neighboring regions.

    Settlement of Ambiguity

    • PESA Act (1996): The Provisions of the Panchayats (Extension to Scheduled Areas) Act, 1996, empowered gram sabhas within Scheduled Areas, reinvigorating the intent of the Constitution and the Constituent Assembly. This law enabled direct democracy and recognized the gram sabhas as primary authorities.
    • Village Definition: PESA defines a village as a habitation or group of habitations managed by a community according to traditions and customs. This definition extended beyond Scheduled Areas to forest fringes and villages.
    • Unresolved Issues: Gram sabhas have yet to demarcate traditional boundaries on revenue lands. FRA 2006 requires the demarcation of “community forest resource” areas within traditional boundaries.

    Conclusion

    • Understanding and expanding Scheduled Areas in India necessitates the notification of all habitations or groups of habitations with ST majorities outside existing Scheduled Areas.
    • Furthermore, geographical boundaries should encompass “community forest resource” areas where applicable and extend to customary boundaries within revenue lands.
    • These steps are essential for ensuring equitable governance and preserving the rights and welfare of India’s Scheduled Tribes.

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  • Nobel and other Prizes

    Economics Nobel to study Women in Workforce

    Prelims Only | Economics | Mains Paper 3: E-Technology In The Aid Of Farmers

    economics nobel

    Central Idea

    • In 2023, Claudia Goldin, a distinguished economist and Professor at Harvard University, was awarded the Nobel Prize in Economic Sciences for her pioneering work on women’s labor market outcomes.

    Claudia Goldin: A Trailblazer in Economics

    • Harvard Tenure: In 1990, Claudia Goldin made history by becoming the first woman to achieve tenure in Harvard University’s economics department, securing a permanent position as a professor.
    • In-Depth Research: The Royal Swedish Academy of Sciences acknowledged Goldin’s important contributions, citing her work as advancing our knowledge of women’s job market outcomes.
    • Historical Perspective: Goldin’s research provides a comprehensive historical account of women’s earnings and job market participation over centuries, uncovering the reasons behind changes and the ongoing gender gap.

    Key Questions Addressed by Claudia Goldin’s Research

    • Gender Inequality at Work: Goldin’s research explores why fewer women seek jobs and earn less than men, shedding light on this inequality.
    • Impact of Economic Growth: She challenges the idea that economic growth always leads to more women working, showing that historical trends follow a U-shaped curve due to changes in society and evolving norms.
    • Role of Education, Marriage, and Childbirth: Goldin investigates how education, marriage, and having children affect women’s work, providing insights into the complex relationship between these factors.
    • Gender Pay Gap: Her research shows that despite modernization and economic growth in the 20th century, the gender pay gap persisted, with a significant part emerging after the birth of the first child.

    Transformational Insights

    • Contraceptive Pill’s Impact: Goldin highlights how the contraceptive pill empowered women to plan their careers, creating new opportunities for career development.
    • Shift in Earnings Gap: She reveals that the main source of the earnings difference between men and women shifted from career choices to disparities within the same job, mainly arising after the birth of the first child.
    • Influence on Young Women: Goldin emphasizes that young women’s educational and career decisions are often influenced by previous generations, leading to slow progress in closing the earnings gap.

    Significance for Society

    • Policy Implications: Claudia Goldin’s research has important implications for addressing barriers to women’s progress in the job market. Her work provides insights into the factors that need attention to promote gender equality.
    • Enhancing Understanding: Through her groundbreaking research, Goldin has significantly improved our understanding of women’s roles in the job market, offering the knowledge needed to build a more inclusive and fair society.

    Conclusion

    • Claudia Goldin’s Nobel Prize in Economics recognizes her pioneering research in unraveling the complexities of women’s job market outcomes.
    • Her comprehensive historical analysis has reshaped our understanding of the ongoing gender gap, offering policymakers and society valuable insights for working towards a more equitable future.

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  • Labour, Jobs and Employment – Harmonization of labour laws, gender gap, unemployment, etc.

    India’s Unemployment Rate Declines: PLFS 2022-2023

    DOMR | Governance | Mains Paper 2: Health & Education

    Central Idea

    • The latest findings from the Periodic Labour Force Survey (PLFS), conducted by the National Sample Survey Office (NSSO), reveal a decrease in India’s unemployment rate for the period between April and June 2023.
    • This encouraging trend is accompanied by improvements in the Labour Force Participation Rate (LFPR) and the Worker-Population Ratio (WPR), signifying positive shifts in the country’s labor market.

    About Periodic Labour Force Survey (PLFS)

    Objective Collect comprehensive labor market data in India.
    Conducted by Ministry of Statistics and Programme Implementation (MoSPI), Government of India.
    Replacement for Replaced earlier employment-unemployment surveys by NSSO.
    Frequency Conducted periodically, with rounds typically spanning a year.
    First Round Conducted in July 2017-2018, marking the survey’s initiation.
    Data Categories Employment status, unemployment rate, sector-wise employment, income, demographics, and more.
    Sampling Methodology Sample survey approach with data collected from households and individuals through a scientific sampling process.
    Policy Impact Informs government policies related to employment, labor market interventions, and economic planning.

     

    2022-23 Survey Overview

    • Scope: The national survey compiled data from 5,639 first-stage sampling units (FSUs) and encompassed 1,67,916 individuals residing in 44,190 urban households.
    • Age Group: The survey focused on individuals aged 15 years and above.

    Improvements in Urban Labour Force Participation

    • LFPR Uptick: The LFPR in urban areas exhibited growth, rising from 47.5% in April-June 2022 to 48.8% in the corresponding months of 2023 for individuals aged 15 years and above.
    • Gender Disparities: While the LFPR remained stable at approximately 73.5% for males during this period, it notably increased for females, climbing from 20.9% to 23.2%.

    Enhanced Worker-Population Ratio

    • WPR Gains: In urban areas, the WPR increased from 43.9% in April-June 2022 to 45.5% during the same period in 2023 for individuals aged 15 years and above.
    • Gender-Specific Improvements: For males, the WPR progressed from 68.3% to 69.2%, and for females, it surged from 18.9% to 21.1% over this timeframe.

    Decrease in Unemployment Rate

    • Declining Unemployment: The PLFS reported a diminishing trend in the Unemployment Rate (UR) for individuals aged 15 years and above in urban areas.
    • UR in Urban Areas: It decreased from 7.6% in April-June 2022 to 6.6% in April-June 2023.
    • Gender-Based UR: For males, the UR dropped from 7.1% to 5.9%, while for females, it decreased from 9.5% to 9.1% during this period.

    Comparative Analysis

    • Positive Trends: The report highlights improvements in key labor market indicators in urban areas when compared to the pre-pandemic period (April-June 2018 to October-December 2019).
    • LFPR Improvement: The LFPR ranged from 46.2% to 47.8% during the pre-pandemic period and has now reached 48.8%.
    • WPR Enhancement: Pre-pandemic WPR figures ranged from 41.8% to 44.1%, while the current WPR stands at 45.5%.
    • Lower UR: Unemployment rates during the pre-pandemic period fluctuated between 7.8% and 9.7%, with the latest survey reporting a lower UR of 6.6%. This rate is deemed favorable compared to the unemployment rates observed in the quarters preceding the pandemic.

    Conclusion

    • The Periodic Labour Force Survey (PLFS) results reflect positive developments in India’s labor market, marked by a decreasing unemployment rate, improved labor force participation, and enhanced worker-population ratios.
    • These trends indicate a resilient labor market recovery and may signify the nation’s progress towards economic stability and job creation.

    Back2Basics:

    • Labour Force Participation Rate (LFPR): LFPR is defined as the percentage of persons in labour force (i.e. working or seeking or available for work)in the population.
    • Worker Population Ratio (WPR): WPR is defined as the percentage of employed persons in the population.
    • Unemployment Rate (UR): UR is defined as the percentage of persons unemployed among the persons in the labour force.
    • Activity Status- Usual Status: The activity status of a person is determined on the basis of the activities pursued by the person during the specified reference period. When the activity status is determined on the basis of the reference period of last 365 days preceding the date of survey, it is known as the usual activity status of the person.
    • Activity Status- Current Weekly Status (CWS): The activity status determined on the basis of a reference period of last 7 days preceding the date of survey is known as the current weekly status (CWS) of the person.

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  • Women empowerment issues – Jobs,Reservation and education

    Shadow over women’s reservation

    op-ed snap | Polity | Mains Paper 2: Parliament & State Legislatures

    What’s the news?

    • The Women’s Reservation Bill has journeyed through decades of debates and discussions, yet its implementation remains uncertain.

    Central idea

    • The recent tabling of the Women’s Reservation Bill in the Lok Sabha has brought attention to the long-awaited issue of gender representation in Indian politics. However, despite the grand announcement, there are several complexities and challenges surrounding its implementation that demand scrutiny.

    Historical Background

    • The issue of women’s reservation in Indian politics dates back to the Constituent Assembly debates in 1947, where it was initially rejected as unnecessary.
    • However, subsequent decades witnessed a decline in women’s political representation, prompting further policy deliberations.
    • The quest for women’s reservation in legislative bodies began in 1996, with notable progress occurring during Manmohan Singh’s tenure in 2010, when it passed in the Rajya Sabha but faced rejection in the Lok Sabha.
    • Since then, the commitment to empowering women in India’s political landscape has remained unfulfilled.

    Current Bill’s Complexities

    • Implementation Linked to Census and Delimitation: One of the major complexities is that the bill’s implementation is contingent upon two crucial factors: conducting a new census and completing the delimitation process. Unlike some previous legislation, this bill cannot be immediately enforced but rather depends on these time-consuming processes.
    • Unclear Timeline: The bill lacks a clear and specific timeline for its implementation. It leaves the question of when reservations for women in legislative bodies will become a reality unanswered. This ambiguity has raised concerns about the government’s commitment to gender equality in politics.

    Census and Delimitation Challenges

    • Delay Due to the Pandemic:
    • The last census in India was conducted in 2011. Subsequent Census exercises were delayed, with the Union government attributing the postponement to the COVID-19 pandemic.
    • This delay has had a direct impact on the implementation of the Women’s Reservation Bill since the bill is linked to the data obtained from the Census.
    • Potential Conflicts:
    • Even if the Census process moves forward, there is a looming possibility of conflicts arising during the delimitation process.
    • Delimitation, which involves the division of electoral constituencies, can be contentious, particularly between different regions and states. This could further delay the bill’s implementation and pose political challenges.

    Key Differences from the 2008 Version

    • Intra-State Women Representation: Unlike the 2008 version of the bill, the current iteration does not include provisions for “intra-state women representation.” The 2008 bill mandated that one-third of Lok Sabha seats in each state or Union Territory should be reserved for women, ensuring representation from various regions within the state.
    • Rotation of Reserved Seats: The current bill proposes that reserved seats for women should be rotated after every delimitation exercise. This means that the seats set aside for women may change constituency boundaries periodically. In contrast, the 2008 bill did not include such a provision.
    • Unclear Status During Delimitation: The current bill does not provide clarity on the status of women’s reservations when the delimitation process is ongoing. Given that delimitation commissions typically take several years to issue their reports, it remains uncertain how the reserved seats for women will be affected during this period.

    Way forward

    • Clear Implementation Plan: The government must outline a comprehensive and transparent plan for the implementation of the Women’s Reservation Bill. A clear roadmap with specific timelines can provide clarity and boost public confidence in the process.
    • Fast-Track Census and Delimitation: Expedite the Census and delimitation processes. Swiftly resolve any conflicts that may arise during these procedures to prevent further delays in implementing the bill.
    • Revise Intra-State Representation: Reconsider the exclusion of intra-state women’s representation from the current bill. Ensuring representation from various regions within a state can enhance diversity and inclusivity.
    • Seat Rotation Framework: Develop a framework for seat rotation that balances stability and change in women’s representation. Ensure that changes in constituency boundaries do not disrupt the continuity of women in politics.
    • Encourage Political Parties: Encourage political parties to proactively nominate more women candidates in elections. Parties can voluntarily set quotas for women candidates to increase their presence in legislative bodies.

    Conclusion

    • For a nation that initially championed equal rights and representation for all citizens, this delay is a blemish on the visionary ideals of our founding fathers. It is high time that the promise of women’s reservation in politics transforms into a tangible reality.

    Also read:

    What will hold up women’s reservation Bill?

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  • Banking Sector Reforms

    The banking sector is leading the journey towards an Atmanirbhar Bharat

    op-ed snap | Economics | Mains Paper 3: Indian Economy

    What’s the news?

    • Despite facing numerous challenges in the past quarter-century, including economic crises, pandemics, and geopolitical tensions, India’s banking and financial sector has continued to evolve and adapt.

    Central idea

    • India’s remarkable growth and stability over the past 25 years have placed the country at the forefront of global optimism. This shift is attributed to the nation’s governance structures and policy apparatus, which have fostered innovation and positioned India as a hub of novel public goods. Among the sectors driving this transformation, banking and finance stand out as key contributors.

    The Banking Evolution

    • Maturation of Banking in India: Over a period of 75 years, India’s banking sector has matured and grown into a vibrant and robust industry.
    • Reforms and Critical Enablers: The past 30 years have seen critical reforms that have played a pivotal role in enabling the growth and transformation of the banking sector.
    • Diversity in Banking: India’s banking sector now boasts a diverse landscape that includes public sector banks, private banks, non-banking financial companies (NBFCs), and a burgeoning fintech ecosystem. This diversity has made the financial sector more inclusive and dynamic.
    • Addressing Legacy Issues: Reforms and changes in the sector have addressed legacy issues such as non-performing assets (NPAs), making the banking system more resilient.
    • Internal Accruals: The internal accruals have become a significant source of growth capital for banks, enhancing their financial stability.
    • Technological Advancements: Banks in India have moved away from traditional, brick-and-mortar models to embrace advanced technology. Products such as mobile banking apps, UPI, Aadhaar e-KYC, and digital payment systems have transformed the banking landscape.

    The role of artificial intelligence (AI)

    • Knowledge-Based Regime: India’s banking system is undergoing a transition toward a knowledge-based regime, primarily driven by AI and cognitive computing technologies. This shift represents a move away from traditional banking practices toward more data-driven and intelligent operations.
    • Personalization of Customer Engagement: AI is enabling banks to personalize customer engagement. Through AI-powered capabilities, banks can gain a deeper understanding of individual customer preferences and needs. This personalization enhances the overall customer experience.
    • Deeper Understanding of Customers: AI facilitates a more profound insight into customers’ behaviors and financial needs. By analyzing data and utilizing machine learning algorithms, banks can develop a comprehensive understanding of their customers, allowing for more targeted services.
    • Adaptation to a Changing Business Environment: In a landscape characterized by constant change, AI serves as a valuable tool for ensuring banks remain agile and responsive to shifting demands.
    • Challenges and Opportunities: While AI presents significant opportunities for banks, it also poses challenges. Banks must address issues related to data privacy, ethical considerations, and the potential biases inherent in AI algorithms.
    • Key to Future Success: AI will be a pivotal factor in differentiating successful banks in the coming years. Banks that effectively harness AI technologies are likely to maintain their competitiveness and adapt to the changing demands of customers and the business landscape.

    What are the Challenges?

    • Digitalization Challenges: The digitalization of banking services has introduced several challenges. These include the proliferation of unregulated digital lending apps, the emergence of cryptocurrencies, and the risk of cyberattacks.
    • Cybersecurity Risks: There is a need to address cybersecurity risks. As digitalization advances, banks are increasingly vulnerable to cyber threats and attacks.
    • Critical Support Infrastructure: With the increasing reliance on digital banking channels, ensuring the availability of critical support infrastructure becomes paramount. This encompasses maintaining secure payment settlement systems, safeguarding ATMs, and ensuring the continuity of internet and mobile banking services.
    • Data Challenges: As banks increasingly rely on data for decision-making and personalization, addressing methodological and data challenges is essential. Ensuring data accuracy, security, and compliance with privacy regulations is a responsibility that banks must prioritize.

    Way forward

    • Customer Grievances: The digital banking era comes with added responsibilities related to addressing customer grievances efficiently. Banks must establish mechanisms to handle and resolve customer complaints promptly to ensure the uninterrupted delivery of banking services.
    • Regulator frameworks: These digitalization-related challenges require banks to adopt robust security measures and regulatory frameworks to protect both customers and the financial system.
    • Climate Change Imperative: Initiatives for decarbonization present opportunities in renewables, green hydrogen, and green goods trade. Banks are expected to be major financiers in combating climate change, necessitating robust risk management practices.
    • Investment in Human Resources: In an ever-changing environment, the quality of human resources becomes a critical differentiator. Banks and financial institutions must attract, train, and retain talent while fostering adaptability and upskilling.
    • Innovation and Governance: Financial services must invest in research and embrace out-of-the-box ideas for seamless service delivery and product personalization. Governance remains the backbone of institutions and is crucial for financial stability.

    Conclusion

    • India’s banking sector has endured and evolved, emerging from a challenging decade more resilient and adaptable. With a focus on robust governance, innovation, and a growing domestic market, it is poised to play a crucial role in India’s journey towards an Atmanirbhar Bharat, promoting equitable and sustainable development.

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  • Health Sector – UHC, National Health Policy, Family Planning, Health Insurance, etc.

    Mental health and the floundering informal worker

    op-ed snap | Governance | Mains Paper 2: Health & Education

    What’s the news?

    • World Mental Health Day, observed on October 10, underscores the theme of ‘mental health as a universal human right.’

    Central idea

    • While the World Mental Health Day theme highlights the importance of mental health for all, it’s crucial to address the often-overlooked mental health challenges of India’s informal workers. This necessitates proactive policies aligning with the Sustainable Development Goals (SDGs).

    The Global Perspective

    • According to the International Labour Organization (ILO), approximately 15% of working-age adults globally live with a mental disorder.
    • Decent work can positively influence mental health, but unemployment, unstable employment, workplace discrimination, and unsafe working environments pose significant risks to mental health.
    • Informal workers, particularly those in low-paid and precarious jobs, often face psychosocial risks that compromise their mental well-being.

    India’s Informal Workforce

    • India’s informal workforce constitutes over 90% of the total working population. These workers endure unsafe conditions, work long hours, and have limited access to social and financial protections.
    • Discrimination and gender disparities are prevalent, with over 95% of working women engaged in informal, low-paying, and precarious employment.
    • The mental health of informal workers is further undermined by patriarchal structures and practices in their social and familial spaces.

    Challenges faced by the informal workforce in India

    • Lack of Formal Protections: Informal workers often lack legal and social protections. They work without employment contracts, job security, or access to benefits like health insurance and paid leave.
    • Unsafe Working Conditions: Many informal workers labor in hazardous environments, increasing their risk of occupational health and safety issues.
    • Long Working Hours: Informal workers frequently work long hours, often without clear boundaries between work and personal life, affecting their physical and mental well-being.
    • Limited Access to Social Protections: These workers have limited access to social safety nets, making them vulnerable to economic shocks such as illness or job loss.
    • Gender Disparities: Gender disparities are pronounced in the informal sector, with many women engaged in low-paying and precarious employment. Discrimination and patriarchal structures exacerbate these challenges.
    • Precarious Employment: Informal work is characterized by its precarious nature, including irregular income, job insecurity, and uncertainty about future employment.
    • Income Inequality: Informal workers often earn lower wages than their formal sector counterparts, contributing to income inequality.

    Youth and Unemployment

    • Youth unemployment is a pressing issue in India, significantly affecting mental health.
    • Many young workers are forced into precarious and informal work due to desperation, accepting lower pay and poorer working conditions.
    • Unemployment rates are particularly high among educated young women, reaching 42%.
    • Given India’s demographic dividend, it is crucial to prioritize employment quality and long-term social security for this population.

    Aging Workforce and Vulnerability

    • India is expected to become an aging society in two decades, yet there is no clear social security plan for this growing demographic group.
    • The Census of India 2011 reveals that 33 million elderly individuals continue working in informal sectors post-retirement.
    • This vulnerable group lacks financial and health-care security, which can severely impact their physical and mental health.

    Social Security and Mental Health

    • Informal workers face mental distress due to accumulating debt and rising health-care costs: Informal workers often experience financial strain due to their precarious employment, leading to the accumulation of debt and increased healthcare expenses.
    • Interconnectedness of Economic and Mental Health Factors: Mental health and well-being are interconnected with factors such as food security, access to livelihoods, and financial stability. These factors play a significant role in determining the mental health of informal workers.
    • Post-COVID-19 Recovery Challenges: A study conducted among informal workers in Delhi, primarily migrants, reveals that the recovery post-COVID-19 remains uneven among different cohorts of informal workers. Many still report food insecurity, skipped meals, or reduced consumption, which can have detrimental effects on their mental health.
    • Impact of Government Schemes: While some social security schemes have received increased funding, others, like the MNREGS, have seen reductions in funding. Adequate funding of employment guarantee programs can positively impact the mental health outcomes of informal workers.
    • High Suicide Rates Among Daily Wage Earners: The National Crime Records Bureau (NCRB) reported that in 2021, 26% of people who died by suicide were daily wage earners. This statistic highlights the mental health challenges faced by this group and the need for better support and social security measures.
    • Types of Social Security Measures: Social security measures can take various forms, including:
      1. Promotional: Aimed at augmenting income.
      2. Preventive: Intended to forestall economic distress.
      3. Protective: Designed to ensure relief from external shocks.
    • The Code on Social Security 2020: It is necessary to revisit the Code on Social Security 2020, highlighting that it doesn’t explicitly state the goal of universalizing social security in India, particularly for informal workers.

    Way Forward: Improving Mental Health Care

    • Low Budgetary Allocation for Mental Health: India’s budgetary allocation for mental health currently stands at less than 1% of the total health budget. This allocation has predominantly focused on digital mental health programs.
    • Importance of Community-Based Care: The World Mental Health Report 2022 emphasizes the need to strengthen community-based care as part of a comprehensive mental health approach.
    • Human Rights-Oriented Care: To address mental health effectively, it is important to provide people-centered, recovery-oriented, and human rights-oriented care.
    • Urgent Need for Proactive Policies: There is a pressing need for proactive policies that not only recognize the importance of mental health but also take concrete actions to improve mental health care in India.
    • Basic Human Right to Good Health: Mental health is a basic human right, and it emphasizes the need to uphold this right by providing access to quality mental health care.

    Alignment with Sustainable Development Goals (SDGs)

    • SDG 3: Good Health and Well-Being: Improving mental health care aligns with SDG 3, which aims to ensure good health and well-being for all.
    • SDG 8: Decent Work for All/Economic Growth: Addressing mental health issues among informal workers is crucial for advancing SDG 8, which focuses on decent work for all and economic growth.

    Conclusion

    • Proactive policies and comprehensive social security measures can uplift the mental well-being of this marginalized group, promoting a society where mental health is indeed a universal human right. Achieving this goal will contribute to the realization of the Sustainable Development Goals and ensure a healthier, more equitable future for all.

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  • Artificial Intelligence (AI) Breakthrough

    Multimodal Artificial Intelligence: A Revolution in AI Comprehension

    op-ed snap | Science Tech | Mains Paper 3: Awareness in various sc and tech fields

    What’s the news?

    • Leading AI companies are entering a new race to embrace multimodal capabilities.

    Central idea

    • AI’s next frontier is undoubtedly headed toward multimodal systems, enabling users to interact with AI through various sensory channels. People gain insights and context by interpreting images, sounds, videos, and text, making multimodal AI a natural evolution for comprehensive cognition.

    A New Race to Embrace Multimodal Capabilities

    • OpenAI, known for ChatGPT, recently announced that GPT-3.5 and GPT-4 models can now understand images and describe them in words.
    • Additionally, their mobile apps are equipped with speech synthesis, enabling dynamic conversations with AI.
    • OpenAI initially promised multimodality with GPT-4’s release but expedited its implementation following reports of Google’s Gemini, a forthcoming multimodal language model.

    Google’s Advantage and OpenAI’s Response

    • Google enjoys an advantage in the multimodal realm because of its vast image and video repository through its search engine and YouTube.
    • Nevertheless, OpenAI is rapidly advancing in this space. They are actively recruiting multimodal experts, offering competitive salaries of up to $3,70,000 per year.
    • OpenAI is also working on a project called Gobi, which aims to build a multimodal AI system from the ground up, distinguishing it from their GPT models.

    What is multimodal artificial intelligence?

    • Multimodal AI is an innovative approach in the field of AI that aims to revolutionize the way AI systems process and interpret information by seamlessly integrating various sensory modalities.
    • Unlike conventional AI models, which typically focus on a single data type, multimodal AI systems have the capability to simultaneously comprehend and utilize data from diverse sources, such as text, images, audio, and video.
    • The hallmark of multimodal AI lies in its ability to harness the combined power of different sensory inputs, mimicking the way humans perceive and interact with the world.

    The Mechanics of Multimodality

    • Multimodal AI Basics: Multimodal AI processes data from various sources simultaneously, such as text, images, and audio.
    • DALL.E’s Foundation: DALL.E, a notable model, is built upon the CLIP model, both developed by OpenAI in 2021.
    • Training Approach: Multimodal AI models link text and images during training, enabling them to recognize patterns that connect visuals with textual descriptions.
    • Audio Multimodality: Similar principles apply to audio, as seen in models like Whisper, which translates speech in audio into plain text.

    Applications of multimodal AI

    • Image Caption Generation: Multimodal AI systems are used to automatically generate descriptive captions for images, making content more informative and accessible.
    • Video Analysis: They are employed in video analysis, combining visual and auditory data to recognize actions and events in videos.
    • Speech Recognition: Multimodal AI, like OpenAI’s Whisper, is utilized for speech recognition, translating spoken language in audio into plain text.
    • Content Generation: These systems generate content, such as images or text, based on textual or visual prompts, enhancing content creation.
    • Healthcare: Multimodal AI is applied in medical imaging to analyze complex datasets, such as CT scans, aiding in disease diagnosis and treatment planning.
    • Autonomous Driving: Multimodal AI supports autonomous vehicles by processing data from various sensors and improving navigation and safety.
    • Virtual Reality: It enhances virtual reality experiences by providing rich sensory feedback, including visuals, sounds, and potentially other sensory inputs like temperature.
    • Cross-Modal Data Integration: Multimodal AI aims to integrate diverse sensory data, such as touch, smell, and brain signals, enabling advanced applications and immersive experiences.

    Complex multimodal systems

    • Meta introduced ImageBind, a multifaceted open-source AI multimodal system, in May this year. It incorporates text, visual data, audio, temperature, and movement readings.
    • The vision is to add sensory data like touch, speech, smell, and brain fMRI signals, enabling AI systems to cross-reference these inputs much like they currently do with text.
    • This futuristic approach could lead to immersive virtual reality experiences, incorporating not only visuals and sounds but also environmental elements like temperature and wind.

    Real-World Applications

    • The potential of multimodal AI extends to fields like autonomous driving, robotics, and medicine. Medical tasks, often involving complex image datasets, can benefit from AI systems that analyze these images and provide plain-language responses. Google Research’s Health AI section has explored the integration of multimodal AI in healthcare.
    • Multimodal speech translation is another promising segment, with Google Translate and Meta’s SeamlessM4T model offering text-to-speech, speech-to-text, speech-to-speech, and text-to-text translations for numerous languages.

    Conclusion

    • The future of AI lies in embracing multimodality, opening doors to innovation and practical applications across various domains.

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  • Health Sector – UHC, National Health Policy, Family Planning, Health Insurance, etc.

    Ageing World: Addressing Mental Health Challenges in the Elderly

    Explained | Governance | Mains Paper 2: Health & Education

    Elderly

    Central Idea

    • The world’s elderly population is larger than ever before, with 1.1 billion people aged 60 and above in 2022, constituting 13.9% of the population (UNFPA report).
    • By 2050, this number is projected to rise to 2.1 billion, accounting for 22% of the global population.

    Why discuss this?

    • India’s Scenario: India is no exception to this trend, with 149 million older adults (10.5%) in 2022, expected to increase to 347 million (20.8%) by 2050.
    • Longevity: People are living longer lives than ever before, underscoring the need to understand healthy ageing and address mental health issues in the elderly.

    Misconceptions about Ageing and Mental Health

    • Ageing as a Process: Ageing is a natural physiological process encompassing physical, social, and psychological dimensions. However, misconceptions and fears about ageing, particularly mental health concerns like depression, anxiety, and dementia, persist.
    • Heterogeneity: The ageing process varies among individuals, influenced by factors such as genetics, lifestyle, environment, and diseases. Not all older adults experience the same physical or mental changes.

    Social Challenges Faced by the Elderly

    • Social Isolation and Dependency: Many elderly individuals grapple with increased dependency, social isolation, poverty, ageism, and feelings of pessimism and nihilism.
    • Abuse and Neglect: Elderly individuals are vulnerable to emotional, physical, sexual, and financial abuse, often perpetrated by family members.
    • Inaccessible Infrastructure: India’s towns and cities often lack elder-friendly infrastructure, including ramps, handrails, pavements, and adequate public transport, making healthcare access a challenge.
    • Lack of Purpose: Many elderly men, especially after retirement, may feel unproductive and lost. Developing diverse interests earlier in life can mitigate the sense of purposelessness in retirement, reducing the risk of depression.

    Psychological Aspects of Ageing

    • Psychological Growth: As individuals age, they are expected to gain wisdom and a broader understanding of life’s challenges through personal or vicarious experiences.
    • Erik Erikson’s Theory: Erik Erikson proposed ‘Ego integrity versus Despair’ as the final psychosocial development stage in human life. It emphasizes viewing one’s life accomplishments positively to avoid despair.
    • Indian Cultural Emphasis: Indian culture underscores the importance of accepting the limitations that come with old age and renouncing responsibilities without suffering.

    Mental Health Challenges

    • Prevalence: Approximately 15% of elders in India (22 million individuals) experience serious mental illnesses such as depression, anxiety, dementia, and substance use disorders.
    • Treatment Gap: A significant treatment gap of 90% exists, largely due to a lack of awareness among the public and healthcare professionals.
    • Stigmatization: Stigma associated with both ageing and mental illness often leads to reluctance to admit mental health issues and seek treatment.
    • Poverty and Access: Many elderly individuals lack access to mental healthcare services due to poverty and limited availability of interventions, particularly in rural areas.

    Case Study: SCARF Partnership

    • Community Initiatives: The Schizophrenia Research Foundation (SCARF) has partnered with the Azim Premji Foundation to raise awareness about elder mental health in rural areas of Tamil Nadu, benefiting over 350 villages.
    • Indian Tradition of Joint Families: While joint families are becoming rarer, they offer advantages in terms of multi-generational interactions and support for elders.

    Preserving Cultural Traditions

    • Importance of Festivals and Rituals: Cultural traditions, including festivals and rituals, encourage socialization and cognitive engagement among elders.
    • Risk of Tradition Loss: Neglecting these traditions risks losing their potential protective effects on elderly mental health.

    Way forward

    • Individual Planning: Planning for old age with financial savings and lifestyle adjustments is crucial.
    • Educational Initiatives: Introducing the concept of healthy ageing in school curricula can promote awareness.
    • Community Services: Accessible mental health services for elders should be available at the community level.
    • Role of Retirement Homes: Retirement homes and elder care facilities, while providing care and reducing social isolation, need to address mental health issues urgently.
    • Collective Responsibility: Caring for the elderly is a collective responsibility that requires the concerted efforts of individuals, families, civic society, private organizations, NGOs, and the government.

    Conclusion

    • The ageing world presents both opportunities and challenges, with a growing elderly population that demands a holistic approach to mental health care, community support, and cultural preservation.
    • Addressing the mental health needs of the elderly is not only a matter of compassion but also a responsibility that encompasses various stakeholders and sectors of society.

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