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/ )

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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

KIRAN : A Ray of Hope

Context :

Govt launches 24X7 toll free mental rehabilitation helpline KIRAN in 13 languages 

Highlights :

Ø  The Centre on Monday launched a 24X7 toll free mental rehabilitation helpline (1800-599-0019) for providing psychological support to people.

Ø  The helpline will offer mental health rehabilitation services with the objective of early screening, first aid, psychological support, distress management, mental wellbeing, promoting positive behaviour and psychological crisis management, the minister said.

Ø   “This toll free helpline will be operational 24 hours a day, seven days a week with the technical coordination of BSNL. It is backed by 660 clinical and rehabilitation psychologists and 668 psychiatrists,” he said.

Ø  The callers will then be connected to mental health experts who will help to resolve the issue or refer and connect to external help (clinical psychologists or rehabilitation psychologists or psychiatrists), the official explained.

Ø  Professional support for the helpline is being provided by the Indian Association of Clinical Psychologists (IACP), Indian Psychiatrists Association (IPA) and Indian Psychiatric Social Workers Association (IPSWA), he added.

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

Thank You ,

Ø  Shri Thaawarchand Gehlot

             [ Union minister for social justice and empowerment  / officesjem@gmail.com  ]

Ø  Shri Ramdas Athawale 

             [ Minister of State for Social 

Justice & Empowerment / mos3-msje@gov.in ]

Thank you for this excellent – and timely -  initiative during the distressing times of COVID andemic

MY REQUEST :

Please quickly up-grade this PLATFORM into an Online Portal where the distressed persons (hundreds of them at any given time ) can simultaneously obtain live / real-time, VIDEO CONSULTATIONS , from hundreds of Mental Health Experts ( each sitting in a VIRTUAL CABIN ) , as described in details in my following earlier E Mails :

Share - Your - Soul   ………………………………………………………………………………………[ 24 July 2016 ]

Highlights :

Ø  A Listener ( Mental Health Expert ), can login anytime and occupy his own virtual COUCH / CABIN ( " I am now available for listening " )

Ø  As soon as he does , a GREEN light will shine on the CABIN, showing the online availability of the concerned Listener

      This green light will tell the Talkers ( Patients ) : " Welcome ! I am ready to listen "

Ø  The light will turn RED , as soon as a Talker walks into Listener's CABIN ( " I am engaged right now " )

Ø  Any time any Talker ( Patient )  logs in, he will find if any Listeners ( Mental Health Expert ) that he had previously shortlisted , are available online

Ø  If he finds one, he simply CLICKS on the CABIN icon and enters that VIRTUAL cabin !

Ø  Simultaneously , both the Talker ( Patient ) and the Listener ( Expert ) , turn on their Skype ( on Mobile or Tablet ) to start the talk

Ø  Remember , Skype ID of neither the Talker , nor the Listener , is ever visible to each other !

Ø  All conversation / transaction , can ONLY take place through www...COUCH...com ( no bypassing ! )

Ø  The entire conversation will get recorded ( Video + Audio ) and can be downloaded by the Talker( Patient)  ( but not by the Listener ), if he so desires

   

Ø  Portal will be obliged to make this recording available to a Court of Law, in case of any litigation

Ø  Portal will carry a WARNING that it reserves the right to remove any Talker( Patient ) or a Listener ( Expert ) , if it finds that its service is being misused / abused ( will need defining , in detail )

  PRIVACY

Ø  The portal will NOT reveal any info / data (including Audio-Video recording ) of any user to anyone else.

Ø  However , portal will reserve the rights to subject those Audio recordings ( but not Video recordings ) to

an Artificial Intelligence ( AI ) software , which can , over a course of time , come up with a SOFTWARE

ROBOT that can take over the role of the HUMAN listeners !  

If you have any doubts , ask Ray Kurzweil  !

Ø  When that happens , this portal may morph into a PPO ( Psychology Process Outsourcing ) !

Ø  The portal will also reserve the rights to use the Audio recordings for offering Voice-to-Voice language

translation mobile app for the benefit of world-travelers

A Chatbot to drive away Blues ?   …………………………………………………………………….[ 23 June 2017 ]

Extract :

Ø  US's WoeBot Labs debuted on FB Messenger , a Chatbot offering " cognitive behavioral therapy " , for people wary of the stigma of seeking mental healthcare 

Quote from the website of WoeBot Labs :

Compassionate solutions for human problems

We believe that when technology is used to build understanding, it can help humanity in creative and effective ways. That idea lives at the core of our company and products, which deliver expert emotional support and tools in an easily-accessible app to help reduce symptoms of anxiety and depression.

Woebot, our chat-based tool, is the delivery mechanism for a suite of clinically-validated therapy programs that address many of today’s mental health challenges, from generalized anxiety and depression to specific conditions like postpartum depression, adult and adolescent depression, and substance abuse.

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

With regards,

Hemen Parekh / hcp@recruitGuru.com  /  08 Sept 2020

Job Portals : morphing as Consent Managers ?

Job Portals have been around for 30 + years – biggest being Naukri – MonsterIndia -TimesJobs  - Shinejobs etc

Each claim to have databases of 20 to 40 million resumes of jobseekers

Main services offered by Job Portals are :

• To Jobseekers (  FREE service ) :  Submit Resume / Search Jobs and Apply Online or thru a Mobile App
• To Employer Companies : ( Subscription based ) : Post Job advts / Search and download Resumes ( limited numbers )

Occasionally , some Job Portals offer “ Resume Writing “ service to jobseekers ( for a fee )

At its core, this traditional Business Model is nothing more than :

“ Selling “ resumes of jobseekers to employers (by charging hefty subscriptions ) and enticing jobseekers to provide their PRIVATE / PERSONAL DATA ( with offer of a FREE service ) “

And, while “ Submitting Resumes “, jobseekers grant an “ omnibus consent “ to the job portal , by clicking on “ I agree with the Terms and Conditions “ ( without reading ). Far from an “ Informed Consent “

I think this Business Model is very likely to undergo a major change, in light of the just released Draft of Government Policy permitting Indian Citizen to “ Sell their PERSONAL DATA “ , as described in my following blog :

Released : Govt Policy for Selling Personal Data   ……………………………………….( 06 Sept 2020 )

I see following possibilities :

[ A ] …. Job Portals may start selling of “ Bulk “ resumes to Companies with no interest in “hiring “any

            candidate but to use the database for targeted advertising, in order to increase customer base ( Eg :

           Educational Institutions / Health-Care Companies / E Commerce Portals / Insurance Companies etc )

            In this scenario , Job Portal starts acting as a CONSENT MANAGER and would require to obtain from

            the Jobseekers concerned, their “ SPECIFIC – INFORMED “ consent

[ B ]…..  Some Start-Ups becoming CONSENT MANAGERS, and facilitating transfer of RESUME-DATABASES

             from one company ( Seller ) to another company ( Buyer )

            It is worth remembering that most organized sector companies ( and especially those who have, in

            the past, subscribed to Job Portals and, over the years downloaded THOUSANDS of resumes for which

            they have no use any more . These resumes are just lying on their servers . So why not unleash their

           intrinsic / latent value by selling ?

           The Start-Ups interested in implementing this, may want to look up :

                  Resumes Exchange   ………………………………………………….[ 09 Feb 2016 ]

                 Resumes Exchange : A Job Portal Earthquake ?.........[ 29 June 2017 ]

 

      [ C ]… Job Portals themselves ( or OFFLINE RECRUITMENT  AGENCIES ) , may want to get into this business of

                EXCHANGE of RESUMES between Buyers and Sellers ( as outlined above )

 

At this stage , readers may say :

 

Hey , What kind of PERSONAL DATA does a Resume contain which would interest many Buyers ?

Here is my guess for the Data Fields which you might find in a SUBMIT RESUME form of a job-portal :

 

1.        First Name  /  Middle Name  /  Last  Name 

2.        Address  /  Current  Location 

3.     Photo ( sometimes optional ) 

4.        Mobile  Number  /  Email  ID  /  Birth Date 

5.        Gender   

6.        Educational  Details ;  Degrees -  Diplomas  -  Colleges  -  Years- attended  -  Marks  obtained   

7.        Current  Employer -  Designation  -  Salary 

8.        Jobs  held  in past – names of Companies – Periods worked – Salaries drawn – Designations held

9.        Reasons for leaving /  Position applying for or interested in

10.     Preferred location  /  Salary expected   

11.     Current   Industry – Function 

12.     Job Role  /  Skills acquired   

13.     Languages spoken – written 

14.     Area of specialization

15.     Marital  Status   

16.     Names of  References for checking background

17.     Name of Spouse

18.     Number of Children ( with their ages ) etc

Has there been any Court Judgments in past on the legality ( or otherwise ) of Job Portals " Selling "  personal data of jobseekers to third parties ?

YES . ( source : A  Fool's Paradise ?  / 29 Aug 2017 ) , from which I quote :

"At the time of entering personal information or data, job-seekers are not aware that the said data can be sold to any third person or that it can be misused. Accordingly, the said ostensible consent of the said applicant/individual cannot be said to be a free, voluntary or informed consent..." he said.
 

"It is common knowledge that when a person applies for a job on the internet, s/he feeds personal information which includes name, address and mobile number. In my opinion, the said data being personal information cannot be transferred /shared / sold to some third person without the consent of the said person," the court said.

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

How do you propose compensating the Jobseekers when Consent Manager " Sells "  his personal data ?

>  Upon receiving a " I want to buy ( shopping cart of shortlisted resumes ) " request , Consent Manager ( Job Portal ),to obtain SPECIFIC / INFORMED consent from each resume-owner who got shortlisted ( may be an email with a link to click, fully explaining the purpose )

>  Asking the BUYER to direct deposit  ( DBT ) , Rs 30 / - in the JanDhan Bank Account of each consenting Resume-Owner

>  Upon getting confirmation of the CREDIT from each JD Account , Job Portal to email resumes of the relevant-consenting jobseekers to the Buyer 

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

The following DIAGRAM , very briefly explains these scenarios :

 

 

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What might happen to the BIG  DADDIES ( of Online Recruitment Industry ) , if some agile / passionate /  obsessed START-UP implements ?

                  Resumes Exchange   ………………………………………………….[ 09 Feb 2016 ]

Imagine if EVERY company’s Computer has 100 MILLION , identical resumes ( and getting SYNCHRONIZED automatically , every morning )

And that Start-Up enabling downloading of a Resume Search Engine to each of those companies, to enable local searching of resumes on OWN COMPUTERS , instead of searching on Job Portals

Now , you can guess what will happen !

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hcp@RecruitGuru.com  / 07 Sept 2020