Fresher need not apply ?

Most job advts ( online or offline ) , carry this notice

Occasionally, it takes following form :

Ø  Persons without prior experience need not apply ,

  OR

Ø  Minimum Experience required :  2 – 5 – 7 years

When I studied PM –SVANidhi (PM Street Vendors’ Atmanirbhar Nidhi) scheme, I could not escape the feeling that

Ø  You cannot get this loan ( Rs 10,000 ), if you have never been a “ self-employed “ Street Vendor earlier

Conclusion :

Ø  Scheme is meant to help only those who have been “ Self Employed “ through their own means, earlier

Ø  It is NOT designed to help people, who are just entering the JOB MARKET ( 12 million each year ), who cannot find ANY job anywhere , and need a loan to become a self employed street vendor for the first time ( without any PRIOR experience as a Street Vendor )

How do I get this feeling ?

Look up the Eligibility Criteria at :

 (https://pmsvanidhi.mohua.gov.in/ApplyLoan/ApplyLoan )

This made me wonder : 

Does the much touted MUDRA Scheme, help FIRST-TIMERS ( fresher  without any prior Self Employment record ), to get loans ?

Upon search , I found following “ Criteria of Eligibility “ for :

Sishu: 
This loan is meant for entrepreneurs who are looking to start a business or in the process of establishing one. The maximum loan sanctioned under this category is Rs.50000. The basic norms of the loan are:

>   To provide finance for machinery.

>   Valid quotation and supplier details are essential.

          ( https://www.lendingkart.com/mudra-loan/ )

============================================

As repeatedly urged I my following earlier E Mails , I hope Governments ( Central + States ), would amend the PM-SVANidhi Scheme to enable FRESHERS to take this loan :

 Street Vendors : How to Organize ?   ………………………………………[ 21 July 2021 ]

Congratulations , Shri Mahesh Kumarji  ……………………………………[ 20 June 2020 ]

Providing Jobs : a Fundamental Right ?   ………………………………….[ 07 June 2020 ]

Thank You, Shri Hardeep Singh Puriji   ………………………………………[ 01 June 2020 ]

Street Vendor Loan Scheme   ………………………………………………………[ 14 May 2020 ]

Social Distancing : Safest – Surest Method  ……………………………….[ 21 Apr 2020 ]

Unlocking Lockdown : Calibrated – Gradual   ……………………………….[ 04 Apr 2020 ]

================================================

I first outlined my proposal in following E Mail :

BMC proposes : Hawkers will dispose ?   ………………………………………[ 26 Feb 2020 ]

Extract :

Grant a hawking license to all 3 lakh hawkers ( and all want to become “self- employed “), on following terms / conditions / methods :

Ø  Hawkers will declare themselves “Self- Employed”, by registering so on BMC website

              

Ø  BMC will issue to them , a hawking license – a plastic card with, photo, name, gender, birth-date, address, mobile no, Aadhar No, PAN etc .
    Card will be embedded with a pre-paid / rechargeable FasTag , which will
    automatically transfer to BMC’s bank account, LICENSE FEE, as mandated

     

Ø  On the hawker’s Smartphone ( with BlueTooth / NFC / Biometric ), BMC will
    install a Mobile App [ HawkWalk ? ], which can read the FasTag in the plastic card and display ( 24x7 ), exact location of that hawker on a DASHBOARD in the Central Hawking Control Room of BMC 

       

Ø  If a hawker uses mobile payment app BHIM for accepting payments against his
    sale, 5 % of each SALE PROCEED will get automatically credited to his monthly License Fee

Ø  This great incentive will accelerate DIGITAL PAYMENTS and help organize this
     totally “un-organized “business sector

Ø  Since ALL hawkers will become LICENSED, they will stop paying those daily 

HAFTAs to police ! 

           =============================================================

Related Readings :

Efforts on for online delivery platform for street vendors: PM Modi    /    09 Sept 2020

Highlights :

Prime Minister Narendra Modi on Wednesday said efforts are being made to provide an online delivery platform to street food vendors on the lines of big restaurants.

The prime minister also urged the street vendors to adopt the digital payment system on a large scale.

Now customers avoid making payment in cash and pay directly through mobile phone," he said.

Modi told the street vendors that representatives of banks and such organisations will reach out to them, provide the QR code and inform them about its use.

"I appeal to them (street vendors) to use digital payment more and present an example before the world," he said.

He said the government will make efforts to ensure that street vendors in all big cities of the state get benefit of the PM SVANidhi scheme.

The government launched the PM SVANidhi scheme with easy rules so that they can get rid of paying interest on loans which they used to take from private lenders.

If you make digital transaction, you will get rewarded for it and you get more loan next time, he said

=================================================

hcp@RecruitGuru.com  /  10 Sept 2020