Lokpal Bill

The word Lokpal has been derived from the Sanskrit words "Lok" meaning People and "pala" meaning caretaker. Therefore, the word Lokpal means "caretaker of people". Mr. Shanti Bhushan proposed the first Lokpal Bill in 1968 and got it passed in 4th Loksabha but failed in Rajya Sabha in the year 1969. Thereafter, Lokpal Bill was introduced in 1971, 1977, 1985, 1989, 1996, 1998, 2001, and 2005 and in 2008 but was never passed and is still pending in Parliament. Under the Lokpal Bill there is a provision for filing complaints with the Ombudsman against the Prime minister, other ministers and Member of Parliament. This was for removing the sense of injustice from the minds of citizens and to install public confidence in the efficiency of the administrative machinery by completing the investigations regarding corruption within a year. Whenever the Lokpal bill was introduced to the House, it was referred to a joint committee of Parliament or a departmental standing committee of the Home ministry for further improvements and every time before the Government could take a final stand on the bill, the house was dissolved. Anna Hazare, a social activist alongwith his team fought for this bill to get passed and did it on December 27, 2011. However, his team and other political parties claimed that the bill is weak and would not serve its intended purpose. Therefore, the proposed bill by the ruling Congress Party is yet to get acceptance from the Rajya Sabha. On December 29, 2011, the Parliament of India saw a lot of drama and disruption by various political parties like LJP, RJD and SP. Features of Jan Lokpal Bill: 1. An institution called Lokpal at the centre and Lokayukta in each state will be set up. 2. The Lokpal shall work independently like the Judiciary and no minister or bureaucrat will be able to influence their investigations. 3. The corruption cases shall not linger for years and the investigations shall be completed within one year and the corrupt officer or judge shall be sent to jail within two years. 4. The loss caused to the government shall be recovered from the offender at the time of conviction. 5. If any work of a citizen is not completed within the prescribed time limit in any government office, Lokpal shall impose financial penalty on the guilty officer and the same shall be remitted to the complainant as compensation. 6. The people can approach the Lokpal if his or her ration card or passport or voter card is not being made by the concerned officials within the prescribed time limit. People can also approach the Lokpal in case the roads are made of poor quality or siphoning of funds in any Panchayat takes place. Lokpal will have to complete its investigations within a period of one year, the trial will be over in next one year and the guilty shall go to jail within two years. 7. Any complaint against any officer of the Lokpal shall be investigated and the officer dismissed within two months. 8. The CVC, departmental vigilance and anti corruption branch of CBI shall be merged into Lokpal. The Lokpal shall have complete powers and machinery to independently investigate and prosecute any officer, judge or politician. It shall be the duty of the Lokpal to provide protection to whistle blower in case of any corruption and those who are being victimized for raising their voice against corruption.

Another The Jan Lokpal Bill (Hindi: ), also referred to as the citizens' ombudsman bill is a proposed independent anti-corruption law in India. Anti-corruption social activists proposed it as a more effective improvement to the original Lokpal bill, which is currently being proposed by the Government of India.[1] The Jan Lokpal Bill aims to effectively deter corruption, redress grievances of citizens, and protect whistle-blowers (a person who tells the public or someone in authority about dishonest or illegal activities occurring in a government department, public or a private organization or a company). If made into law, the bill would create an independent ombudsman body similar to the Election Commission of India called the Lokpal (Sanskrit: protector of the people). It would be empowered to register and investigate complaints of corruption against politicians and bureaucrats without prior government approval.[2] First passed the Lok Sabha in 1968[3], the bill has failed to pass the Rajya Sabha and become law for over four decades.[4][5] In 2011, civil activist Anna Hazare started a Satyagraha movement by commencing an indefinite fast in New Delhi to demand the passing of the bill. The movement attracted attention in the media, and hundreds of thousands of supporters, in part due to the organizational skills of Arvind Kejriwal.[6] Following Hazare's four day hunger strike, Indian Prime Minister Manmohan Singh stated that the bill would be re-introduced in the 2011 monsoon session of the Parliament.[7] Accordingly, a committee of five Cabinet Ministers and five social activists attempted to draft a compromise bill merging the two versions but failed. The Indian government went on to propose its own version in the parliament, which the activists reject on the grounds of not being sufficiently effective and called it a "toothless bill".[8] [why?] The All-India Confederation of SC/ST Organisations, representing the Dalits and backward castes, expressed opposition to the bill proposed by Anna Hazare as well as to the government's version of the bill. The confederation opposed Hazare's proposed bill saying that it will be above the constitution and that proposers of the bill have support from elements who oppose reservation

Money inflation g.d.p. RS. Me Technology independent

Core banking
Core Banking is normally defined as the business conducted by a banking institution with its retail and small business customers. Many banks treat the retail customers as their core banking customers, and have a separate line of business to manage small businesses. Larger businesses are managed via the corporate banking division of the institution. Core banking basically is depositing and lending of money. Nowadays, most banks use core banking applications to support their operations where CORE stands for "centralized online real-time environment". This basically means that all the bank's branches access applications from centralized datacenters. This means that the deposits made are reflected immediately on

the bank's servers and the customer can withdraw the deposited money from any of the bank's branches throughout the world. These applications now also have the capability to address the needs of corporate customers, providing a comprehensive banking solution. A few decades ago it used to take at least a day for a transaction to reflect in the account because each branch had their local servers, and the data from the server in each branch was sent in a batch to the servers in the datacenter only at the end of the day (EoD). Normal core banking functions will include deposit accounts, loans, mortgages and payments. Banks make these services available across multiple channels like ATMs, Internet banking, and branches.

Essay writing -- Can India become a Super Power Can Indian Become A Superpower? Unless India stands up to the world, no one will respect us. In this world, fear has no place. Only strength respects strength, said Dr.A.P.J.Abdul Kalam, whom we all know as an ex-President, a great scientist and the Missile man of India. Dr.Kalams mission in life, from a small town Rameswaram to the Rashtrapati Bhawan, has been to make India a superpower by 2020 through his work and motivation to the people of India. But first, we must know what the term Superpower actually means. A superpower is a country with a dominant position in the international system, which has the ability to influence events in its own interests and project power on a worldwide scale to protect those interests. However, in a deeper sense, a country which fulfils the following parameters is a superpower: (i) A strong political system which is democratically elected. (ii) Economic stability with productive reforms. (iii) Trained manpower with a manageable amount of population. (iv) Cultural & regional unity within (v) High level of technical expertise & defence capabilities. Though India is the worlds biggest democracy and has a strong political system, yet to be a superpower, we have to completely eradicate some

Wednesday, February 22, 2012 Essay Writing-- Social Banking ESSAY SOCIAL BANKING A social bank is the one concerned mainly with the social and environmental impacts of its investments and loans. In Social Banking, the focus is on satisfying the needs in the real economy and the society whilst .simultaneously taking into accounts their social, cultural, ecological and economic sustainability. The banking system touches the lives of millions and has to be inspired by larger social purpose and has to subserve national priorities and objectives such as rapid growth of agriculture, small industries and exports, raising the employment levels, encouragement of new entrepreneurs and development of backward areas. For this purpose it is necessary for the Government to take direct responsibility for the extension and diversification of banking services. Thus an essential feature of the Indian banking programme has been to lay adequate emphasis on bank lending towards sectors deemed as priority sectors, which include agriculture and small scale industries, and within these sectors to individuals belonging to weaker sections of the society. The opening up of Indian market to greater international competition, has thrown both challenges and opportunities for the SSI sector. Low capital base can make these Units vulnerable to external shocks more easily. The genesis of the importance of social banking is enshrined in the central objective of planning in India as designated in the First Five Year Plan - "to initiate a process of development which would raise standards and open out to the people new opportunities for a richer and more varied life" necessitating the banking institutions to contribute to the process of ensuring growth with equity. The need to reconcile economic efficiency with social equality and distributive justice to achieve growth will

have a tangible impact on poverty alleviation, became apparent. Development as a process must lead to the augmentation of the value of human versus social capital, physical vis-a-vis financial capital and environmental capital. Why Social Banking? It is increasingly accepted that business should not operate on the expense of but contribute to the wellbeing of the community at large. With the Society being even more conscious and informed about the behaviour of business organizations, to stay successful, business organizations will have to take into account not only the needs and objectives of their stockholders but also of all their other stakeholders. 1. The problems of a few airlines and suggestions for their recovery.

Points: Problems faced by Kingfisher Airlines, Air India. -- Pilots going on mass leave , steps taken by the government. -- causes and remedies.

2. What brought losses in the recent quarters for a few banks and steps they should take to avoid losses.

Points: High incidence of NPA in new loan accounts also. -- pertains to many sectors such as industries, education loan, housing loan etc. Pressure brought by politicians to make advances to all without leaving scope for study of individual cases. -- also careless dealing of advance sanctions by a few personnel-- for personal gains.

3. Twenty overs cricket -- is it helping cricket or takes away the merit of cricket -- in the light of fixing controversies.

Points: Twenty overs cricket -- too much advertisement, costs. Each player is paid high amounts. Ticket costs are high. Most of the matches last over only decides the match -- fixing up of these matches cannot be ruled out. Sachin Tendulkar has said though there are minor lapses in IPL , it is a good form of cricket.

One way good players from various countries join together in one team and play. Not good in one way - players from the same Indian state compete here.

4. Hike in petrol prices -- Is it right for the government to hike or not?

Points: High is mainly due to rise in the value of dollar as against indian rupees. International oil prices have not risen. There is scope for reduction of prices increased. But many parties try to capitalise on this situation.

5. Computer websites like facebook, twitter -- are they helpful or they affect our privacy?

Points: Some of the websites do not have adequate privacy terms. Users are not aware as to how they have to protect their privacy. When the photos, information fall into the hands of unscrupulous people they misuse the same. Too much time is wasted on these websites by youngsters-boys and girls affecting their studies.

6. The role of Bank Officer in your views.

Points: A Bank officer helps his branch management in serving customers for collection of deposits, making advances to the public and to make profit for the bank branch. He assists branch manager in house keeping and in the orderly conduct of branch.

7. Is it advisable to take up a government job or a private sector job and why?

Points: There is no job security in IT industry and other private sectors. it is advisable to join a public sector bank or company, serve well and be hopeful of getting rises in career. Though salary may not match the IT industry one has job satisfaction, mental satisfaction and opportunity to serve others.

8. Newspapers -- relevance in the context of internet and television providing immediate news .

Points: Yes, news is available in internet, In many parts of our country internet has not spread adequately--even college students do not have access to internet. Newspaper can be read at any part of the day or thereafter and helps one to improve his communication skill.

9. How do you visualise yourself in Banking industry say after ten or fifteen years from now?

Points: I see myself as a Branch Manager of a bank branch-- because I posses interest in serving the people, am confident of getting rise in my career path,.

10. "The greater the spirit, greater is the chances of success in any work/venture/attempts". Elaborate.

Points": Anything we do we must do with sincerity and full interest. When a lady cooks food with passion the quality of food will be good. On the other hand when she cooks with lack of interest it will not come out well. this can be extended to any field -- acting in a movie, playing for a State or country in cricket, football , writing stories, books, managing functions etc