Health Campaigns for Rural Areas
Health has to be made a frontline priority in rural areas. It is mandated to take health services to remote villages. We need to commission a robust transport system to ferry supplies to remote locations where medical facilities are compromised.
The focus must be on innovations such as motorcycle/car clinics and homesteads for door to door mobilizing. Health e innovation or online health outreach clinics must have a way of getting started.
If health is a business in cities run by private engines, it should be translated as a genuine need in the rural landscape now at least. The government has to think of measures to reach the rural areas by providing medical services and installing tele medicine centres with a consistent suppy of medical experts. More government schemes like Ayushman Bharat and Pradhan Mantri Jan ArogyaYojna need to be conceived and implemented.
Reverse Migration
We’ve been forced to sculpt a transformational culture of mass exodus in U Turns. The working force is retreating to the villages and interior cities as opportunities dry up in class A and B cities due to lockdown, following the widespread closure of manufacturing units, logistics terminals, power plant feeders and business/industrial establishments.
The hands on the clock of time are winding back. The migrants that have moved back will be helped through government schemes to rebuild their life at base commensurate with their work experience.
Financial Inclusion of the Rural Sector
The government needs to polarize efforts to ensure financial and digital literacy in the rural sector. Money liquidating infrastructure needs to be revamped in the true interest of the beneficiaries.
For women to withdraw the second installment of ex-gratia payment of Rs. 500 as announced by the Finance Minister Nirmala Sitharaman under the PMGKY(Pradhan MantriGaribKalyanYojna) package sufficient bank branches, ATMs and CSPs need to be opened and remain operational in the rural areas.
To deliver cash in hand we need to arrange more business correspondents or Bank Mittras. More capacity building should be primed in rural areas for financial inclusion. The Jan Dhan accounts are a landmark and with Aadhar and mobile linking people in rural areas will have better access to credit and other financial services. The ‘Dhanmantra’ enterprise rural society has become the Holy Grail with the RBI coming out with a fresh list of locations, where micro financial serving centres are likely to come up and be funded.
Role of Micro, Small and Medium Enterprises (MSME)
As the population all over the world is being decimated by the virus, the MSMEs with major investment in plant and machinery are hit the most. There are 6.34 crore MSMEs and 51% are located in rural India. More than 11crore people are on their payroll while 55 % of employment happens in the urban MSMEs.
Micro enterprises run by single men or women working on their own from their homes are equally distributed over rural and urban India and small and medium ones are predominantly set in urban India.
These have been predominantly run by the lower castes and the gender ratio across them has been staggeringly distinct at an 80% male and 20% female. Most of them are not registered. Even for the government to provide direct subsidy and extra credit to them, they need to be identified first.
Most of them are informally funded from ‘other than bank’ sources so the RBI’s efforts to funnel more liquidity towards the MSMEs, has a limited impact. Once such units are identified the government can provide tax relief (GST and corporate tax), give swifter refunds and provide financial liquidity to rural India. Loans against property and such collaterals must be repaid by the government in case the MSME partially sinks. On their own at the most the MSMEs can only last for three months from now.
Stellar Life-breathing Models of Financial Inclusion
Avanti Finance by the Tata Group is an NBFC, open-access digital financial spine, flexible enough for users and partners to create, curate and deploy financial products one needs in a touchless, branchless and cashless interface with users. Thanks to this financial inclusion the vision of the organization is to reach rural population of 100million households to help them carry out activities like farming, poultry, animal husbandry, micro and mini enterprises.
At Grameen Foundation India, poor rural women are empowered with knowledge and commensurate resources, to transform their lives and the lives of their larger communities. These projects have already impacted over 1 million women (the count is increasing). The aim is to impact a billion more! Grameen foundation offers partnering GrameenMitras (local women) an entire galaxy of financial products through aecosystems, of agencies and actors that meet and elevate their everyday realities.
This is not the time to fake our existence. The core question is how are we coping with the pandemic? What strengths are we demonstrating during this crisis? What skills and experiences are we bringing to the table of resolution and contribution? We, each of us are a unique resource as unique and powerful as our fingerprints. We all are reservoirs of nourishing provisions for our fellow earth inhabitants and other life beings.
It’s not a ‘pinch me’ moment to believe! It’s not a time to get star struck because we too are heroes and local legends if only we step forward and make our contribution to lessen others’ burdens in ways that agree with us.
This is the time to change the dynamic, rephrase the conversation, raise our voice and shape our effort to create ripple effect. This is the time to look a challenge dead in the eye and give it a nodding wink, remembering that our less fortunate brethren are staring at death in the face everyday.
This is not the time to remain ‘simply born.’ This is not the time to hold back. Fear in today’s context would lead to the compression of substance within us, akin to a retrenchment of options. Whereas courage would stand out as ‘performance demonstrated.’ Viewed as a force multiplier born of the effects of a decision in action to secure, ‘restore and build’ the fabric of human interconnectedness on wheels of determination. A resolution to be alive, for nothing is more alive than awareness!
For light to break in, sweeping the dark in a shimmering blaze we’ll have to create new beliefs to honour. Let’s rise to find our ‘Ikegai’, an inspiration with a justified vocation to build back brick by brick all that we’ve lost and make better sense of this disorderly world.
The biggest strength our hands will know would be to build bridges with a sterling work ethos. Unity of life is only possible when we support those that have lost the most. Let us make them see the rose pink dawn of a new life despite their peeling layers of devastation. Meraki! There’s music to be discovered in the singing river of humanity even now.
At the end this catastrophe has served us food for thought.Are we still interested in our limiting beliefs or in what makes us limitless!? Time for unimpeachable efforts to fight this apocalypse!
Image courtesy - QZ.com/India TV
ABOUT AUTHOR
Col Prakash Tewari (Retd) - Over 30 Years of experience in - Disaster, Conflict, Environment & Natural Resource Management ; Headed CSR activities of various Companies in Asia, Africa, Middle East, Australia; Previously - Exec. Director - CSR -DLF Ltd.; Executive VP, CSR & Education, Jindal Steel & Power; Head CSR, Tata Power; VP & Board of Global Alliance for Disaster Reduction, USA; Authored - a book on Leadership ‘Bunker to Bliss’; UNESCO - 2005 award for Professional Leadership. E Mail - prakashtewari6@gmail.com
Disclaimer: The opinions expressed in this article are the personal opinion of the author. It doesn’t reflect the views of the Institute, he is associated with. Also, the facts and opinions appearing in the article do not reflect the views of Indian Observer Post either, and Indian Observer Post does not assume any responsibility or liability for the same.