For months now , experts ( - and non-experts too ) are at a
complete loss to figure out :
# How many new
jobs are getting generated ?
# Where
exactly are the jobs getting added ?
# When
( period wise ) are the jobs getting generated ?
# Who
is getting a job and at what salary ?
# At what rate are
Salaries / Wages rising across various
sectors ?
Finally now , there is a way to answer ALL these questions ,
through insightful deployment of JAM ( Jan Dhan - Aadhar
- Mobile ) trilogy
And that opportunity arises from : Pradhan Mantri Shram-Yogi
MaanDhan Scheme ,
Dear Shri Piyush Goyalji :
You may have opened a PANDORA's BOX - of SOLUTIONS !
Organizing the Unorganized
---------------------------------
In
his budget speech on 01 Feb 2019 , Shri Piyush Goyal announced the ,
“
Pradhan Mantri Shram-Yogi Maandhan Scheme “
Objective :
To
provide pension, to 42 crore workers, working in
in the Unorganized Sector”
Details and Problems :
These
are described at the bottom of this blog
My Suggestion re Implementation of this
Scheme :
#
ROLE OF VARIOUS MINISTRIES
Ministry of Labour
· Provide
overall guidance / direction / supervision over implementation of the scheme
and allocate / make available the required funds to other Ministries
· Carry
out necessary amendments to the relevant labour laws to make it mandatory for all the employers to record employee attendance using mobile app described at :
From
BAD to MAD ( 01 June 2016 )
==================================
Ministry
of Electronics and IT
· Procure
Computers for FREE supply and installation at 60 million MSME ( estimated to employ 120 million persons )
·
Specifications of Computers ( estimated
cost = Rs 2 lakh each ) :
# Built-in GPS ( NaviC based )
/ Bluetooth / NFC
# Video Conferencing software
· Provide
100 Mbps broadband connection ( FREE ) to each MSME joining Scheme
· Develop
the software platform for digitizing the HR related operations of MSME ,
through design / develop / launch of portal www.MaanDhan.gov.in
· Direct
each of the 1.2 million operators of 3 lakh CSC
[ Customer Service Centers ] to visit 50
nearby MSME and guide / help , both the workers and the MSME employer , to
enroll the workers on www.MaanDhan.gov.in
, by filling in the REGISTRATION
FORM with the following data about each worker :
# Name / Contact Details / DOB / Aadhar Card No / Employee
Number
( Each unique Employee Number will be auto-generated by a
common
Salary Payment Software , running on Web site Server )
# Employee's Jandhan Yojana Bank Account Number for salary transfer ( DBT )
# Employer's Jandhan bank account / Unique Employer Number
( Employers will be mandated to effect the salary payments , only through
digital
bank transfer and never
through CASH )
# Employee Category ( Hourly-rated / Daily-rated / Monthly-rated )
# Payment Frequency ( Daily – Fortnightly – Monthly )
# Leave provisions / PF rate / TDS rate / Allowances / Reimbursements
# Any other relevant data ( either about employee or of employer )
· Each
CSC operator will be assigned 50 MSME so as to cover all 60 million MSME within
one year
=================================
Ministry of MSME
· Upload
comprehensive database of 60 million MSME on www.MaanDhan.gov.in
· To
launch www.EmpowerMSME.com
This portal will enable 60 Million MSME to
download ( for FREE ) , documents – records – forms – drawings – process charts
– operating procedures – contracts etc , uploaded on this portal by large /
organized sector Companies ( - which are non-secret and being used by these
companies currently or in the past )
This portal has been developed and tested
by L&T and
designed with dataset which is identical with database of 60 million MSME on Ministry’s own website – enabling free migration
of data , either way
I am sure , Padma Vibhushan Shri Anil
Naik ( Chairman – L&T Group )
would be too happy to hand over the Source Code for this portal to the MSME
Ministry [ of course , FREE of cost or obligation ] and help them launch it – WITHIN 2 WEEKS !
================================
Ministry of Skills
Development
·
There are around 15,000 skill
training centres in the country right now, which are inadequate for India’s
size
·
We need to train at least 2 crore people
every year, but right now we’re training only 1.05 crore. We need to double our capacity
·
At
Rs 3 cr / centre , we need Rs 45,000 cr to construct additional 15,000 centres , to
be able to train 2 cr youth / year . It will take years to
construct these centres , even if the required funds were available ( - which is
not ! )
·
To
bypass both of these limitations , I suggest :
# Transform millions of
MSME into “ Skill Training Centres “
# Deliver online Training Courses for development of various skills
through the
Computer provided by the Labor Ministry for implementation of MaanDhan
Scheme
#
Some of these may be VR based training, requiring VR headsets ( to be provided
FREE to MSME by this Ministry ) . These can be used not only by the apprentices
but also by the MSME’s own workers
# As an incentive / motivation for
the MSME to undertake to train at least 2
apprentices per year ( under the Apprentice Act ) , following may be considered
:
+
Government subsidizing the stipend payable to the trainees by 50 %
+ No obligation to absorb the trainees after completion of training
==================================
Ministry of Commerce
{ DPIIT = Department for Promotion of
Industry and Internal Trade }
·
To launch portal www.B2BmessageBlaster.com
( I will be
happy to provide the Source Code for this , free of any
cost / obligation )
This will portal will enable ,
# MSMEs to reach out to 2.73 lakh large
/ organized Indian Companies
and 4,000 + International
Chambers of Commerce , located in 200 countries, for
promoting
their products / services
#
Large / organized companies ( Indians and Foreign )
to blast their requirements ( for raw materials – components – sub assemblies –
services
) etc to 60 million MSMEs. This will boost
exports from MSME sector
# All Ministries / Government Departments to advertise ( through
blasting ) their
requirements ( including those posted on e-Gem
portal ) to these 60 million
MSMEs , apart from blasting their notices / circulars / announcements etc
===================================
Role of the MSME :
·
To ensure that ALL of its employees ( blue
collar workers or white collar supervisory staff ), get enrolled in the Scheme
by registering on www.MaanDhan.gov.in
– whether they
earn less or more than Rs 15,000 per month
·
To effect their salary – wages payment ,
only through online bank transfer , after deducting Rs 55 or Rs 100 from their
salaries and depositing these amounts in the Pension Accounts of the respective
employees . Hence no need for any misses !
=================================
Role of the Workers :
·
They must not only enroll in the Scheme by
registering online but they MUST
download ( from www.MaanDhan.gov.in
web site ) , MAD mobile app on their smart
phones and register their ENTRY and EXIT at the work-place as explained in :
From
BAD to MAD ( 01 June 2016 )
=================================
ADVANTAGES of
MY SUGGESTION :
# For
employees , no need to file a separate annual Income Tax Return
# Direct
deposit of PF / TDS amounts into bank accounts of Govt Depts
# Direct
Benefit Transfer ( DBT ) to every Employer for Stipend Subsidy ,
based
on number of total trainees / apprentices employed
# Total
number of employees in India ( category / region / industry )
( No more disputes re Jobs
Generated each month ! )
# Employment
Density ( Industry wise / Region wise / Skill wise etc )
# Net
Employment Growth Rate ( weekly - monthly / Industry-wise )
# Co-relation
with no of persons graduating at various levels
# Data
about those Unemployed ( " Graduating " less " Employed " )
# Overtime
Statistics ( Use / Abuse )
# Work-hour
Analysis ( Ave hours / week - month )
# Wage
/ Salary Rates ( Rs per hour ) - Industry wise / Region wise
( of
great interest to Foreign Investors looking to bring down
manufacturing costs , by outsourcing to India / manufacturing in India )
# Compliance
with labour laws / tax laws / Apprentice Act etc
# Job
Market Forecasts through BIG DATA ANALYTIC ( region / industry )
# Demographic
Profiles of employees ( Rural to Urban migration )
# Per
Capita Income Growth for persons using MAD app ( MOM / YOY )
# Changing
composition between Blue Collar and White Collar employees
===================================
SCHEME DETAILS :
Types of Workers ( examples
mentioned in Budget speech ) :
· Street
Vendors
· Rickshaw
Pullers
· Construction
Workers
· Rag
Pickers
· Agricultural
Workers
· Handloom
Artisans
· Domestic
Workers
Eligibility Criteria :
· Those
drawing a monthly income ( not necessarily , thru salary / wages ? ) of Rs
15,000 or less
Contribution to be made by the Worker :
· Those
joining at age 18 and age 40
-
To contribute Rs 55 / month for 20 years
· Those
joining at age 29
-
To contribute Rs 100 / month for 20
years
Contribution that the Central
Government will make :
- Matching
amounts every month
When ( at what age ) will these
contributors start getting pension ?
- Upon
reaching the age of 60
How much pension amount will they get ?
- Rs
3,000 per month
What is the total number of workers in
the Unorganized Sector ?
- Approximately
Rs 40 – 42 crore
How many of these are expected to
enroll in this scheme ?
- Some
10 crore ( 100 million ) in next 5 years
When is enrollment expected to start ?
- From
Feb 15 , 2019
How much money is allocated for this
scheme ?
- Rs
500 crore immediately
=================================
Problems :
· Will
amount of contribution vary with age ?
· What
happens if an enrolled contributor fails to make monthly contribution half way
, because he lost his job or income-source ?
· What
happens when a contributor’s income rises above Rs 15,000 / month ? From that
month onwards , does he become ineligible and stop paying monthly installments
? In such an event , how much pension would he get upon reaching age of 60 ?
· How
will Labour Ministry satisfy itself that the person enrolling belongs to “
Unorganized Sector “ AND is currently has an INCOME of less than Rs 15,000 ?
· What
about “ Self Employed “ persons earning less than Rs 15,000 / month ? Are they
ineligible to enroll ? How does Ministry certify that ? By definition , “ Self
Employed “ are the real “ Unorganized Sector “ !
· Even
those “ employed “ by MSME ( - some 12 crore persons in some 5 crore
establishments ) , get their salaries in CASH – and without being shown on any
kind of official Payroll . A great majority of these earn a wage of Rs 15,000
or less
==================================
CAUTION :
Nothing
like this has ever been attempted earlier , so it is not possible to envisage
ALL the problems that Ministry / LIC will face during the course of
implementation
Hence
, as the implementation rolls out , course-corrections will become necessary ,
as it happened during the implementations of De-Monetization / GST /
AyushMan Bharat Scheme and now , about to happen in implementation of the E
Commerce Policy
But
, if we keep “ analyzing “ for years ( for fear of getting wrong, ) , we will
remain “ paralyzed “ forever !
Hence,
I suggest , Ministry / LIC make a beginning as follows :
· In
the first phase , roll out the scheme for only those who are “ Employed “
in MSME
Based on experience gained, roll out for
the “ Self Employed “ in second phase
==================================
CONTEXT :
(
Source : Budget
speech of Shri Piyush Goyal on 01 Feb 2019 )
The minister said in order to reap the benefits of AI
and advanced technologies, a national programme on AI has been envisaged
by the government
This would be catalyzed by the establishment of the National
Centre on AI as a hub along with Centres of Excellence
Nine priority areas have been identified. A national AI portal
will be developed soon
AI technology helps in analyzing data in various technologies to improve the efficiency of system like,
# Power management in cars
# Mobile
Devices
# Weather predictions , and
# Image Analysis etc
Over 3 lakh Common Service Centres ( CSC ) employing about 12 lakh
people are digitally delivering several services to the citizens
The CSCs are expanding their services and also creating digital
infrastructure in the villages, to convert the villages into Digital Villages
The Government will make one lakh villages into Digital Villages
over the next 5 years
====================================================
04
Feb 2019
Rsvp
: hcp@RecruitGuru.com
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