Hi Friends,

Even as I launch this today ( my 80th Birthday ), I realize that there is yet so much to say and do. There is just no time to look back, no time to wonder,"Will anyone read these pages?"

With regards,
Hemen Parekh
27 June 2013

Now as I approach my 90th birthday ( 27 June 2023 ) , I invite you to visit my Digital Avatar ( www.hemenparekh.ai ) – and continue chatting with me , even when I am no more here physically

Thursday, 6 July 2017

Transparency in Political Funding ?



Economic Times ( 06 July ) carries a report titled :


“ Political Funding Next on Radar : FM “



As per this report , Shri Jaitley said :


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“ We are looking at some major steps to be announced by which we want to cleanse the entire political funding in India


For the last 70 years, the world’s largest democracy has survived on funding which really brings no credit to the democracy and I think it has been the prime minister’s insistence that this has to be one of the subjects that the government has to take up now as a top priority “




We are aware of some modest reforms ( electoral bonds / cap on cash payments ) that Shri Jaitley introduced in the last budget


But no one believes that these reforms go far enough ( - including CEC ! )


Millions of Indians ( but no political party ) want ALL donations , irrespective of the amount involved , to be by official / transparent channels ( cheque / Online Payment etc ) , and want mandatory filing of INCOME / EXPENSE statements with CEC !


I request Shri Jaitleyji to consider following suggestion :




STRUCTURE


·         No direct donations ( even Rs 5 ) by anyone to any Political Party or to any Political Leader ( even as birth-day gift ! )


·         Creation of a CENTRAL ELECTION FUND ( CEF ) , controlled / administered by the Central Election Commission


·         Donations can only be given to CEF – and only by cheque / online etc , quoting Aadhar number



·         Donations will get tax exemption as CSR


·         CEC will publish , on its web site , a continuous / dynamic / daily ACCOUNT of amounts received ( with Aadhar No of each donor ) and amounts spent / disbursed by CEC to Political Parties / Candidates ( with full details of each )


·         From CEF , Election Commission will distribute FUNDS to political parties for fighting elections / other expenses , on predetermined ‘ Occasions



PROCESS

·         Funding of Political Parties by CEC ( from CEF ) , can be made as per following two alternatives :


[ A ]    AFTER  THE  ELECTION ( CANDIDATE – based Reimbursements ) :


#  After each Election ( Central / State / Municipal ) , ALL candidates contesting the election ( including independent candidates ) , shall submit to CEC , a STATEMENT of EXPENSES incurred in fighting the election.


Even if a group of parties have come together to fight the election ( MahaGathBandhan ), each candidate will get linked to ONE party only



#  Statement will be as per format decided by CEC , giving category-wise expense details ( all payments listed in the statement , must be through legal / official channels , such as Cheque / Electronic Bank Transfer / Mobile Wallets etc )



#  There will be UPPER LIMITS of REIMBURSEMENT for each category of expense and an overall limit



#  The statement will also show the “ Sources of Funds “ ( with full details such as OWN or borrowed from CLOSE RELATIVEs , with names )



#  Actual amount to be reimbursed to each candidate , will be computed based on a number of factors , main factor being the “ percentage of popular votes polled “ by that candidate ( no reimbursement for those candidates who get less than 5 % of popular vote )



#  Actual re-imbursements made by CEC , shall not be counted as INCOME of that candidate , for Income Tax purpose




[ B ]   BEFORE  THE  ELECTION ( PARTY – wise ADVANCES ) :


# Before each election , All recognized Political Parties will get ADVANCES from CEF , computed using a TRANSPARENT , mathematical formula , based on following factors :


# FACTORS with POSITIVE WEIGHTAGE :

·         In all the elections since independence ( Central + States + Municipal ) , percentage of popular votes polled by each party in those elections along with the percentage of seats won by each party


·         Number of years for which the party has been recognized by CEC


·         Cumulative number of “ Days “ ( not months or years ) , each party was in power ( Centre + States + Municipality ) since independence


·         No ( or percentage ) of seats “ won “ in each election



     #   FACTORS with NEGATIVE WEIGHTAGE :


·         No of MPs / MLAs having criminal cases pending against them


·         No of times candidates / parties were “ warned “ by CEC ( for any reason )


·         No of years for which Annual Return NOT filed with EC


·         No of candidates / Legislators convicted by a Court



DEAR SHRI JAITLEYJI :



Above mentioned suggestion , is by no means , comprehensive


You may want to consider a HYBRID MODEL which is a combination of the alternatives listed above


It is important that all the figures / data used in the FORMULA , are supplied only by the Election Commission and the Speakers of various legislatures – and made public


Since there is no way political parties will reach a consensus on my suggestion , best way would be to publish an online SURVEY QUESTIONNAIRE and ask citizens to vote / rate , against each item of suggestion and then publish the FINDINGS ( on ALL government web sites ) , on a continuous basis


It would be too much to expect the Political Parties to accept this reform without building up pressure from 800 + million voters .


You may even consider a REFERENDUM !



07  July  2017


Wednesday, 5 July 2017

A Wasted Effort ?



Mumbai Mirror ( 05 July ) carries following news :




“ No space to treat waste , say housing societies “



The civic body’s latest decision to not pick up wet waste from housing complexes and let the societies treat the garbage on their own from October has Mumbaikars worried


But members of several societies said that they don’t have the space required to take up such large-scale composting of trash collected from all the flats, others claimed that they lacked the knowledge to undertake segregation of waste at source and then treat them


According to civil officials , the city’s piling solid waste has been giving nightmares to the BMC , which wanted the housing complexes to reduce waste generated at source by undertaking segregation . But very few societies actually did that




While welcoming this initiative of BMC , I have serious reservations re the outcome of this effort


What can really make a difference ?


Read my following blog :


Incentivize  Housing Societies  ( 27  April  2016  )


06  July  2017



Shop Open 24 / 7 ? Can be a Game Changer !



Economic Times ( 05 July ) reports :


The Maharashtra Government is giving finishing touches to a bill that would allow most shops -  kiranas , tailors , supermarkets etc – in Mumbai to stay open throughout the night , seven days a week



My following blog , show how this initiative could help reduce UNEMPLOYMENT




Friday, 24 June 2016

50 MILLION NEW JOBS in 5 MONTHS ?


It is reported that the Union Cabinet will soon approve a notification which will allow establishments covered by the Shops and Establishment Act to remain open round the clock ( 24 hours )


Currently , if they remain open for 10 / 12 hours , they end up inviting visits by Inspectors of Establishment Department and the Labour Department , to collect their weekly " haftas "


With official sanction of 24 hours , that would go !


And 24 working hours will enable these shopkeepers to compete with those Foreign Companies bringing in 100 % FDI in retail but working for 8 hours / day !


And as soon as one Grocery store starts working longer hours ( even 12 hours ) , most of the neighbourhood stores will follow suit  !


For our 50 million MSMEs to, not only take on these Foreign Giants but to defeat them in competition , is only possible when we stop playing the RETAIL GAME by the Rules of those Foreign Countries , and make them clue-less with our own NEW and OUT-OF-BOX rules !


Possibly half of these may be covered by Factory Act and the remaining half by the Shop and Establishment Act


Between them , they employ 90 % of India's work force of around 500 million


Average of approx 9 persons per MSME


Now , even if only 5 million ( out of 25 million shops ) just add ONE more employee to work longer hours , that would get jobs to 5 million youth !


That is quite a lot !  And without any additional Capital Investment !


Compare this advantage with Capital required to create ONE new job in Start Ups


As per Government , Rs 10,000 cr of " Fund of Funds for Start Ups " , will catalyze an Equity Investment of Rs 60,000 cr , which , in turn will enable raising of Debt of Rs 120,000 cr - totaling Rs 180,000 cr of capital


As per Government , that will generate 18,00,000 jobs ( in 5 years )


That is requirement of Rs 10 LAKH for each new job created in a Start Up !


While welcoming this initiative , I urge the Union Government to take following steps simultaneously , in order to generate , not just 5 million but  50 MILLION  new jobs in the MSME sector ( and without additional funds ! ) :


#   Abolish all visits by Inspectors ( Labour + Shop & Establishment Departments )


#   Allow MSMEs to engage Apprentices under the recently revised Skills Development Regulations / Apprentice Act


#   For them , remove the upper limit ( of Apprentices ) which is maximum of 10 % of employee strength


#   Let them engage Apprentices up to 100 % of their existing employees


#   Let them keep these trainees for 3 years under " Retail Establishment Trainee Scheme "


#   Let the stipend be 100 % ( instead of currently prescribed 60-70-80 % ) of semi Skilled Minimum wages

     ( Minimum Semi Skilled Wages are approx Rs 6,000 per month - so Shopkeeper need to pay Rs 6000 pm )


#   Concerned State Governments to subsidize 50 % of this stipend (so, Shopkeeper's burden to be  Rs 3,000 pm )

     [  STIPEND SUBSIDY DOES NOT VIOLATE WTO  !  ]


To ensure fool-proof  compliance with the number of Trainees engaged and Stipends paid , this Scheme

    ( 24 hr open + 100 % trainees + 100 % Stipend + 50 % Subsidy + 3 year training program + No inspectors ),

     will apply ONLY to those Shops which implement , mobile app MAD outlined in my following blog :

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06  July  2017


Closing in on BHIM V 4.0 !



Of course , it is a matter of time before NPCI launches Voice Activated version of their Mobile Wallet BHIM , as described in  :







How soon , can be guessed by the following report in Times of India ( 05 July ) :


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

Your face may be the next safe password

Apple Inc. is working on a feature that will let you unlock your iPhone using your face instead of a fingerprint.


For its redesigned iPhone, set to go on sale later this year, Apple is testing an improved security system that allows users to log in, authenticate payments, and launch secure apps by scanning their face, according to people familiar with the product.


This is powered by a new 3-D sensor, added the people, who asked not to be identified discussing technology that’s still in development. The company is also testing eye-scanning to augment the system, one of the people said.


The sensor’s speed and accuracy are focal points of the feature.


It can scan a user’s face and unlock the iPhone within a few hundred milliseconds, the person said.


It is designed to work EVEN IF THE DEVICE IS LAYING FLAT ON A TABLE, rather than just close up to the face.


The feature is still being tested and may not appear with the new device. However, the intent is for it to replace the Touch ID fingerprint scanner, according to the person.


Apple is not the first to use different forms of biometric authentication. In its latest phones, Samsung included iris scanners that let users unlock their phones and make payments by scanning their eyes. Samsung’s feature launched to poor reviews as users were able to trick the sensor with printed photo copies of a person’s eyes. Apple’s sensor has 3-D depth perception, which means the system is less likely to be duped by 2-D pictures.


06  July  2017





Tuesday, 4 July 2017

Preloaded BHIM ?





Gadget,ndtv.com ( 04 July ) carries following news item :



Karbonn K9 Kavach 4G With BHIM App Launched in India



It goes on to read :


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


Domestic mobile brand Karbonn Mobiles on Tuesday launched a new smartphone in the country, the Karbonn K9 Kavach 4G.

The smartphone's USP is its UPI integration in the form of the preloaded BHIM app, and inclusion of a fingerprint sensor for payment authentication.

Elaborating on the UPI payments integration on the Karbonn K9 Kavach 4G, the domestic brand at its launch event in New Delhi said that the BHIM app's access and securitisation mechanisms have been integrated at a firmware level, making it safer to use. 

NPCI officials were also present at the launch event.

The company also claims that the preloaded BHIM app has been optimised for user experience and app performance on the K9 Kavach 4G smartphone. The company is also touting the security benefits of the fingerprint sensor.

Other OS level integrations on the Karbonn K9 Kavach 4G that are being touted by the company include e-KYC and Aadhaar authentication, Digilocker and e-Gov service access, the ability to perform person-to-person transactions directly from the phonebook, contextual payments within messenger apps, as well as bill payments and utility services.
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Do not get surprised if Karbonn offers to develop for NPCI , BHIM ( V 4.0 ) as described in :






04  July  2017