Financial and Banking sector reforms

The Banking System at the time of independence was largely urban oriented and remained out of reach of rural population. Commercial Banks mostly confined their lending to trade, commerce and industry and treated agriculture as a non priority. Security- oriented lending was the order of the day. Banks did not pay any attention to the … Read more

Food processing and related industries in India- scope and significance, location, upstream and downstream requirements, supply chain management

Agro Food Processing: Forming village clusters and establishing Food Storage, Food Processing Industry is of enormous significance for India’s development because of the vital linkages and synergies that it promotes between the two pillars of the economy, namely Industry and Agriculture. India is world’s second largest producer of food and has the potential to become … Read more

Agro-climatic zones in India

Agro-climatic zones of india An “Agro-climatic zone” is a land unit in terms of major climates, suitable for a certain range of crops and cultivars. With the 329 million hectares of the geographical area the country presents a large number of complex agro-climatic situations. India is divided into 15 agro-climatic zones.The 15 agro-climatic zones are: … Read more

Soil process and factors of soil formation

Soils develop as a result of the interplay of 5 factors; Parent material, climate, organisms, relief and time. Soil formation or soil genesis refers to changes of soil properties with time in one direction: the content of one component or mineral in a certain horizon decreases or increases‚ sedimentary layering disappears‚ etc. Mostly‚ such changes … Read more

Human values

Human values Human values have been employed in so distinctively different ways in human discourse. It is often said that a person has a value or an object has a value. Value is “a concept explicit of implicit, distinctive of an individual or characteristics of a group of those desirable traits which influence the selection … Read more

Moral attitudes

Moral attitudes Moral attitudes are grounded in moral beliefs of “Right” and “wrong” action. Moral attitudes are stronger than moral principles. Following are the fundamental moral attitudes : Reverence Moral values are the highest among all natural values. Goodness, purity, truthfulness, humility of man rank higher than genius, brilliancy, exuberant vitality, than the beauty of … Read more