Sunday, 3 May 2020

Nursing SME

Small and Micro Enterprises (SME) top the public dialogue today on surviving the Covid19 pandemic in India. And why not - SMEs as a sector is the highest employment generator with more potential, the largest source of exports and a relatively lower contributor of non-performing loans (NPL) to the financial sector. In the immediate post-pandemic situation when employment and re-employment should demand the big attention of the government, SMEs naturally claim the top priority. While it is true that the space for free suggestions is already crowded, most such suggestions fall into three categories - industry lobbies that mostly seek freebies, waivers and reliefs, lenders' appeals that seek regulatory reliefs to help them postpone or avoid making provisions for the expected loan losses and government's own internal (selectively leaked) plans to dole out subsidies while increasing bureaucratic control over the sector through more controls, approvals, releases, etc.. There isn't much time for the government to study through committees and review their reports through more committees.  There is a economic and social disaster just about to unveil without big, laid out action plans.

Here are a few thoughts from an end, that isn't part of the SME sector, lender or from within government, on strategy for nursing the SME sector to back on to its legs from its current state of Shavasana. Two caveats are in order - 
1. It is assumed that the country and the government are ready for a bout of fiscal deficit putting the FRBM in a short nap of a few years,
2. No numbers are used here as the numbers are all with the support system of the decision makers..

Immediate challenges of an SME are   
1. Immediate financial obligation servicing - RBI has given a 3 month holiday which, in all likelihood will get extended. But that only postpones the inevitable and makes it worse as SMEs can, in no way, be expected caugh up interest for past 6 months in one go.  The payment after 3 months or later will have had compounding  effect as no Bank will forego interest on amounts due. Hence, that's a postponement of a problem, not a solution. It is just the oxygen while ventilator. to be weaned ASAP.

2. Activity is closed with zero cash flows, but fixed overheads, including salaries, are piling up, putting the post-pandemic future  with a big handicap. Effectively, 2-3 months' fixed overheads is an additional liability that future earnings (whenever operations recommence) have to bear. An SME will continue to be strained for liquidity over the next 2 - 3 months after the restart till they reach normal levels of activity.  SME will need funding support that does to put its recovery phase in a serious handicap of having to immediately absorb this absorbing these funds in their cash fows. 

3. Getting back contract labour - given that anything from 20% to 50% of the workforce is on contract basis in a SME and these temporary workers would have moved away and may not return in full strength, at least for some time, quality manpower in the short term is a challenge. A reduction in the wages and salaries to manage thruough the difficult period of recuperation may be acceptable in the market. But some of the savings from that may also be consumed by the higher wages that firms may have to shell out to get back dispersed essential labour. In sum, it will be a premise for increased working capital funding in short term. No better time than now for government to push through long pending labour reforms to provide flexibility to the promoter and freedom to the worker and universalise social security cover to unorganised labour.
4. Supply side - the lock down having made everyone sit on unsold stocks for 2 months or more, the average purchase cost would be lower initially at re-start and even over the short term. This helps the SME reduce the costs and some of the reduction may persist and be sustained over longer time based on the demand supply situation.
5. Demand side - customers off take would be lower and given that some kind of social distancing norms will persist in the near future, demand may not reach attractive levels or even break even levels for sometime, even up to 2 years. Challenge will be to sustain the business with cash support that may be required for longish times, even  up to 2 years.
6. Given the overall cash flow crunch across the system, an obvious problem to be expected in delayed payments by customers who are typically medium or large corporates.
7. Unlike previous instances of difficulties, this pandemic has most of European American markets which are the major export markets for SMEs are affected to an extent unseen by many of the current generation. This also opens a window of opportunity for Indian SMEs to gain back their market share. The erosion of trust in the China and its super - efficient suppliers also provides a never - before opportunity to Indian SMEs expand their market share.

8. Given this, it is two needs that are obvious - immediate liquidity support, help in gaining financial strength to to quickly get back to normal working and strategic support to join the global supply chains that have been dominated by China for sometime now. The immediate action points:

(i) firms need long term funds to the extent of anything from three to 5 months' sales, an amount that can be expected to be nearly twice their existing working capital loans and far more than an amount that they can take on as a regular loan to be serviced, even in a short term of 1 -2 years. But that means forcing the already reluctant banks to to do unattractive loans. But these loans should be made attractive to the Banks on one hand and affordable to the SMEs. This can be through a combination of the following two ways.

(a) Medium term loan to fund 66.67% of this requirement with 5 years' repayment period with a six months' holiday, that shall be backed up by first loss deficiency Guarantee (FLDG), to the extent of 25%  by  Credit Guarantee Fund Trust for Micro and Small  Enterprises (CGTMSE). The SME shall pay a commission in the normal course for this guarantee to CGTMSE. Given this mitigant the loan becomes attractive to the Banks and sustainable to the SMEs whose payout, including the guarantee commission, in the first half year will be at little above RBI's Repo Rate, say around 6-% in the near future, The FLDG from CGTSME should be restricted two years from disbursement subject to half - yearly review.. 

(b)  Provide a subvention of 2% of the discount rate for bills of SMEs that are put out through Trade Receivables & Credit Exchange (TCE) of RBI for trading. With an initial nudge guidance from RBI, banks will move to TCE to finance the receivables and book debts of their SME clients, also followed by corporates once the volumes pick up. This will  also gradually help in price discovery for SME funding.

(c) The remaining 33.33% of the funding requirement should be provided as equity by the central government through a trust set up for this purpose. The trust should have government representation but no control. While it shall be funded by the government, it should have a specific timeline to dissolve itself. The dissolution can be through liquidating its holdings first by the respective SME promoter and to any other bodies like industry associations or investment funds pension funds, etc.. A suitable exchange that makes it easier for SMEs to be listed with on the lines of NASDAQ is a natural development that SEBI can help incubate. This would also provide an opportunity and incentive to SMEs to go public to grow.  

(ii) Not all SMEs would be able to sustain operations and continued support to those that are unable get out of their difficulties within a period of one year may end up being good cash down the drain. The CGTSME cover should be subject to review on a quarterly basis subject to lending bank's review. Either at the entrepreneur's initiative or as a result of bank's review, a quick liquidation process may be initiated under IBC. It requires a tweaking of the IBC to make it an exclusive process for SMEs by permitting the process to go under retail liquidation process that has much shorter timelines than than the normal corporate insolvency process.

(iii) the costs involved in these steps to the exchequer are - the losses that CGTSME may suffer on the FLDG net of the commission it collects from SMEs and the 2% cost of subvention on bill finance through TCE. Both of these should be provided by the central government through budgetary allocation. 

(iv) One the second need, the brilliant minds at Niti Ayog and the central ministries and industry bodies are, for sure, already at work and it would be  a fallacy to attempt adding anything what they already know and will articulate.

All of these require quick government action, both legislative and administrative and regulatory action.The most important point is immediate, comprehensive and effective implementation, JanDhan accounts and Ujwala cooking gas connection would be good benchmarks to follow.
  

Saturday, 21 March 2020

A story



Once upon a time, a cow went out to graze in the jungle. Suddenly, she noticed a tiger racing towards her. She turned and fled, fearing that at any moment the tiger would sink his claws into her. The cow desperately looked for someplace to escape and at last, saw a shallow pond. Barely evading the tiger’s reach, she jumped into the pond, and in the heat of the chase, the tiger blindly leaped after her.

To the surprise of them both, the pond was extremely shallow yet filled with deep recesses of mud. After toppling over each other, the cow and the tiger found themselves a short distance apart, stuck in the mud up to their necks. Both had their heads above water but were unable to free themselves no matter how much they writhed.

The tiger repeatedly snarled at the cow and roared, “I am going to enjoy the sound of crunching your bones between my teeth!”

He thrashed about in fury but soon became fretful as he found no prospect of escape.

The cow thoughtfully laughed as the tiger struggled to free himself and asked him, “Do you have a master?”

The tiger disdainfully replied, “I am the king of the jungle. Why do you ask me if I have a master? I myself am the master!”

The cow said, “You may be the king of the jungle, but here all your power has failed to save your life.”

“And what about you?” Retorted the tiger. “You are going to die here in this mud too!”’

The cow smiled mildly and said, “No, I am not.”

“If even I, the king of the jungle cannot free myself from this mud”, snapped the tiger, “Then how can you, an ordinary cow?”

The cow gently replied, “I cannot free myself from this mud, but my master can. When the sun sets and he finds me absent at home, he will come looking for me. Once he finds me, he will raise me up and escort me home sweet home.”

The tiger fell silent and coldly glared at the cow.

Soon enough, the sunset and the cow’s master arrived. He immediately recognized the plight she was in and lifted her to safety. As they walked home, the cow and the master both felt renewed gratitude for one another and pitied the tiger they both would have been happy to save if only the tiger had allowed them.

The cow represents a surrendered heart, the tiger represents an egoistic mind, and the master represents the Guru.  The mud represents the world, and the chase represents the struggle for existence therein. 

*Debrief*
Its good to be independent and not rely on anyone. But don't take it to an extreme, you always need a partner/coach/mentor who will be always on the lookout for you. 
Having them does not mean you are weak, it's just that you can be stronger with their help. 

Make sure to share this story with your partner/coach/mentor and express your gratitude.

I didn't write this story but received it in a group. It seeks to make a compelling story for  the author who ​intended to stress the importance of a mentor, it got me thinking​. Prima facie, there can be no argument over the premise that ego comes in the way of ​actual learning and the importance of a guru/mentor can only be understated. It, however, also raises another question - can everything there is to know come from a guru/mentor ? Aren't there revelations that may come from contemplation within, for instance, to know about oneself ?  

Friday, 6 January 2017

The Spoken Word

The Spoken Word
  
A word out of place or a wrongly timed opinion is something, I reckon, few would have missed. It is awkward when  your spouse or close friend is the source. You look away, develop momentary dumbness and if you can gather sufficient courage, mumble something meaningless and pray the moment passes fast. It rarely does, but in as much as your awkwardness is secondary, you brave through it and soon forget about it. It is altogether another thing if you are the perpetrator. And there is nothing like first- hand experience.

I had one such occasion a few of days ago. There is no gainsaying I’ll forget  about it, I have not. It is nagging a part of the mind space that has been rendered  unavailable for anything else leaving the biological RAM deficient and slow.
There was this (what I thought) challenging post in a WhatsApp group that accused people of not finding it worth their while even to respond,  a plea to spare sometime for a social effort after the New Year Party, leave alone joining, even as there were tens of messages exchanged on many other trivial topics. I confess I felt challenged unfairly by this post. I felt a need to respond given the sharp note in that post. At the moment, the dominant thought in the mind was – it is unfair to challenge friends in a voluntary group where you exchange pleasantries, jokes, some info, pictures & videos to make others feel good, into committing their time & efforts into an activity, with  righteous inveigling intended to generate guilt. Perceiving the barely hidden but unstated accusation of inadequate commitment to social responsibility here, I felt it my duty to challenge lest it goes unchallenged. What is the best way to challenge – say yes/ say no/ say who are you to ask me/ say why should I have to say yes or no ?
At the moment, I wasn’t ready to respond with any of these though, the instinctive feel  was veering towards the last.   It was not the first and the other two carried the impoliteness about them that I was not ready for. But the mind was made up on a response, whatever it be. It worked towards an expression that implied the last but cannot be held to have implied so. A convenient method the mind has adapted occasionally earlier, is to bring in an expression of self denial of some sort. This has the comfort that it silences others as there cannot be a combative response to an expression of self denial. It also leaves me with a feeling of superiority and what causes it ? A sense that this expression would leave an unpleasant feel bordering on guilt in the perpetrator.  Emotional sophistry, if I may.  The strategy rolled out again and I posted ‘Given what is all being demanded, I will follow Ram and henceforth avoid saying anything in this group.’  Ram, of course, is my pseudonym for another friend in the group who had been active earlier but has become totally quiet now. His silence was the result of an acrimonious exchange in which people of his kind were called sanctimonious dishing out gyan sitting in their ivory towers far away from the scene and hence less patriotic, or something to that effect.  That it was the same friend who made the ascription at both the instances gave me a precedence to quote.
It did not end there. The time that followed did not leave me in peace, somewhere in the back of the mind was an itch to elaborate vigorously to any aggressive/ pained responses. Alongside was a lurking suspicion that ‘foot in the mouth’ disease had set in.
That there was no response at all ensured that the itch wore itself out, but still no peace. How I wished there was some response!! It might’ve helped me indulge a little more and sprout wisdom. in A new question arose – why did I say what I did and further what was the compulsion to say anything at all ? The barb was not directed at me in particular, none else, not even some who could have felt more challenged than me, had responded before me or later. Was it to display righteous indignation and hence establish some kind of moral superiority ? Was it to announce my presence?
A confession that the answer is vaguely positive to all these questions is the first thing in order. That that is not reconciled yet is the question that irrespective of my motives, isn’t it necessary to challenge such abrasive behaviour online ? Silence in response may be a strategy indicating studied ignorance, but can’t it also be taken to be tolerance or even acquiescence ? Didn’t the great Einstein say ‘ World is a dangerous place to live not because of the people who are evil, but because of the people who don’t do anything about it’ ?
Then the left brain said –as always in a situation, there can be an instinctive response, a weak response, a strong response, measured and deliberate response or no response. How you respond is based  on the context of the stimulus, the content & tone and the state of the receiver’s mind. A post that is provocative but not addressed to any one in particular, expects a reposte but escapes the burden of  specific target. In as much, it is a broadcast announcing the writer’s intent to poke people into action or provoke people into a discussion. And a cry for recognition.
More the ingesta chewed, clearer it became to the mind that my position and motives were not really different from those of the friend whose post got my goat in the first place. I wanted to stand out taking a position, provoke responses and grab attention – the same motives that are easily ascribed to him. What the great man certainly practiced was – don’t take yourselves too seriously, even if he didn’t say as much. Well, given what he was, whatever he said had be more profound, like this.





The realisation that the rest of the people saw this, ignored both the posts and possibly chuckled in the privacy of their anonymity quietened the mind releasing the preoccupied mind space for other more current thoughts. There is 24*7 reality TV, commonly known as news channels, that ensures that there is always something current, very helpful when the RAM in flesh at the top has space to spare. The lingering thought is, this is not going to be their last chuckle at my cost.

Friday, 28 October 2016

Anna

Anna

There was no midwife, but then, in the chill December of 1934 when most Indians lived in villages, less than a tenth of the expectant women had access to medical facilities as we know today. Not that there was no help at all. The mother, the grandmother, aunts and the village’s maternity assistant, the delivery assistant was there at hand to help the 22 year old Rukmini deliver her second child, also a boy, at Neelathahalli, in her maternal home, on or around 24th December. It’s a fair estimation that what was lacking in proper medical facilities was compensated for by the love, care & affection showered by the mother & the grandmother. The bigger factor, probably, was the tolerance for pain and stoicism that girls were ingrained with by their mothers and grandmothers.

This was the second child of Rukmini, another boy, a matter of no disappointment for the mother, father or the family. A boy was always welcome in those days. In any case, there will be so many to come, surely there will be at least one girl - a line of  thought,  so outlandish today in an urban setting, but not so at all in many parts India even today.
After five months of careful & loving nursing, Rukmini was ready to go back to her marital home with her two sons,  the elder one being an already aggressive four year old. While Srinivasa, Seenasamy to his friends, was an appropriately restrained father, Shrngaramma the proud grand mother had no reasons to control her joy. Thus started the childhood of Sampattu, later to be known officially as Hunisemaram Sampath Iyengar. His given name, Sampattu, was  a common name in the Brahman Hamlet, so common that every household in the village had a boy by the same name. This perforce meant boys had to have a prefix or a suffix to identify the different ‘Sampattus’ ! He became ‘’Pulimarat Sampattu’, Sampattu from the household with the big tamarind tree, ‘pulimaram’being the tamarind tree in colloquial Tamil. Now, such prefixes or suffixes surely didn't become the official name ! Probably the tradition, even currently on, of the official names of children being of three parts - names of the place & father followed by the given name, started sometime around the same time - after all he belonged to the first generation who were sent to  school by default under Macaulay’s education system. Sampattu was taken by his father to enrol him into the Government primary school. Unlike many villages of that time, rather even today, Gorur had a full fledged school including the high school even in the forties of the last century. The father’s memory on the date of birth and name as given was good enough for the school to enrol, no hassles about birth certificate or registration ! Srinivasa who had been given the prefix ‘Hunisemaram’ decided instinctively that his second son shall also have the same. Thus, Sampattu alone, amongst all his children, had this big tree attached to his name while all his siblings including his elder brother, had the standard name of the village followed by the father’s name prefixed to their own given names ! Now, its a fair guess that Sampattu was the only child whom Srinivasa himself took to admit into school !

In a brood of ten, the second will be an elder, more so when the eldest was sent away to seek a life at 17 and the man of the house had not learnt to take responsibility for the growth, health, education and other such needs that a father today deems a fundamental duty of his to provide for, if not personally provide.

To be fair to him, Srinivasa, the much sought after baby boy after 5 girls, the only male heir left after losing a boy to the river after a dispute, another boy who preferred to move to his new wife’s place on marriage and seven girls that followed, was a much petted young man meeting the primary expectation of his now widowed mother - to be within her sight always. It didn’t help that the Brahman family had large land holdings that boys were expected, not to cultivate, but to let the deferring farmers work the farms to reap harvest. Not fully though, the societal norm dictated that the farmer share a part of the harvest with the family which held inherited rights over these farms. The male Brahman children were expected to learn the Vedas, Upanishads by rote, and become a priest, not at a temple to carry out regular rituals to the deity, but to guide people perform their obligations on occasions of vital importance in a person’s life –marriage, birth of a child, initiation of the child into education, death of a parent and anniversaries thereof. Now every male Brahman could not become a priest obviously. Hence, growing number of Brahman boys were sent to school, as we know today, to get education as Lord Macaulay introduced in the previous century. A few of them went on to become teachers in the local or nearby village school, many left the village to seek their fortunes in the nearest town, few others went out to seek salaried employment in the government or till the land themselves. The choice was not at all difficult for Shrngaramma, the doting mother to make for Srinivasa, her lone surviving son. You’ve to give it to her – widowed soon after his birth, five daughters already married and with children,  she’d lost her elder son – one to the river when he drowned himself after a heated argument with his father soon after which his wife went away to her parents’ place in Belagere, a distant village. All she wanted was to have the apple of her eye within eye sight all the time. After all, the family had sufficient farm lands along with hereditary rights to portions of produce from four other villages. ‘ Why should my son struggle to clear an exam, when there’s no need for any job at all ?’ Even her brother, a formidable man with  a house secured by a granite door (amusingly, that stone door, ‘Kallu BAgilu’ in his house, was what he was known for, so much so that his & descendents’ family name came to be ‘Kalbagal’) with a college degree, a rarity in those times in those parts, couldn’t persuade her to let her son study further.  That meant Srinivasa didn’t have to work for a living even as an adult, a  fact that significantly shaped his life. Then what did he do with his life ? He was in the school up to his tenth grade, stopped there as further education meant going out of the village, something Shrngaramma would just not have, learnt some of the verses in Samskrut from ancient works like Rg & Yajurveda, Puranas by rote from the village teacher who would herd all the male children before dusk everyday for performing the ablutions to the setting Sun followed by recitation of these poems and verses.

The idyllic village of Gorur where Srinivasa spent all his life, on the banks of Hemavathi, the largest tributary of Cauavery, the lifeline of present – day southern Karnataka & Tamilnadu, had a decent strength of more than 80 Brahman families. These Tamil Brahmans descended from the followers of the 11th century Shrivaishnavite saint, Ramanuja, who migrated from the unfriendly scene in Cholanadu, ruled by Shaivite Chola kings, today’s Central Tamil Nadu, to the region that forms the southern districts of today’s Karnataka – Hassan, Chikkamagaluru, Mandya, Mysuru, Chamarajanagara and Bengaluru. With other Vadyars (priests) also in the fray, this vocation hardly filled all his time. Thus he had time to do whatever he wanted and he did indeed – open a book stall, join others of his generation to run a protest march to the office of the Amaldar, the revenue collector carrying the banned tricolour of the Congress (and vanish before the cops came with their lathis to disperse them), collect, by asking or stealing, the cloths and dresses made of imported cotton of Manchester from the few affluent households to make a bonfire and shouting ‘Vande Mataram’, open a Swadeshi cloth store and occasionally indulge in small works at the farm and in the own backyard. No that any of them sustained for long, each one went on for a few years till it remained his fancy or till something else caught his fancy. One major consumer of time was the regular travels to villages in the vicinity where his family had traditional rights over farms – to collect the family’s share of the harvest. if this level of activity left him with a lot of time to look after his children, help his wife with things at home, enrol children into the school, college thereafter, etc., you’d probably be right but only a century too early. A century ago, as a male Brahman,  If you think he led a charmed life, you wouldn’t be wrong in many ways. As a male, he was taught that he did not have to help with any work at home, that was the woman’s vocation.   As a Brahman, he was not expected to pursue physically demanding vocations like working the farms. This he followed with occasional deviations. For a few years, he took up working the farm himself with his sons. As landed gentry, with hereditary rights over farm lands spread over several villages, he was expected to be just a rent seeker – collect his family’s share after every harvest. This, he followed till two developments put paid to these claims. The Government of the state of Karnataka in the newly independent India in the late sixties brought in land reforms that enabled the farmer who worked the farm to claim ownership from the hereditary claimants. Second was the commencement of the construction of an irrigation barrage across the river in his village. He lost his hereditary rights to a share of harvest as  landlord to the first and with the second, he saw his fertile farmlands going under the huge lake created by the backwaters of Hemavathy once the barrage started coming up. Just as in the case of all other land owners in Gorur and neighbouring villages coming under the barrage, he got a combination of a compensation and alternate land elsewhere. The money in compensation just vanished – conducting the marriages of daughters and meeting other expenses. The land received in compensation was just that, a piece of land, not a farm. It had to be developed into a farm.

These changes, inevitable in that period of transition of India in the late sixties, particularly its Southern parts, from an agrarian subsistence-  driven society to a neo-industrial economy, affected different people in Gorur in various ways.
-           Those who had continued their studies and got into college, found new exciting opportunities opening up – regular employment in the new factories and businesses that came up in cities like Bengaluru & Mysuru, as teachers in the numerous schools that the government was opening in every other village.

-          Those who worked on the new lands got in compensation, reaped good rewards for their efforts becoming the new land lords in the village, They were also helped by the  sweeping agrarian revolution bringing in chemical fertilisers, pesticides, insecticides and irrigation dramatically increasing the yields. 

-          There were others who were too comfortable with the traditional way of life, not equipped to handle the changes with education, fell back to stick to the traditional occupations and see the old and known privileges and standing gradually vanish as the new egalitarianism take roots.

A peek into the life of Srinivasa in his later years and retrospect into his life makes it clear that he fell in the last category. He saw a few of his peers & cousins continue their education and take up jobs, a few others grab the opportunities that came in the form of new support for farming, & subsidised inputs that helped them grow into  landed gentry not only protecting their traditional standing in the society but enhancing significantly. To be fair to him though, his kind were numerically stronger than both the other two groups. The difference the choice he made, rather made for him, did not affect so much his life as his children’s.
A carefree childhood unburdened by the feverish expectations of the kind today’s children have to live with, is what made Sampatthu, as he would recall later, very independent from a very young age. The loving care of the grandmother & mother in his infancy, a vigorous lifestyle in a village with a lot of friends to play with & the generous river where he learnt to swim & swim well, not to mention the good genes, together ensured that Sampatthu grew up to be a tall, dark & handsome young man, the tallest in the family, a six footer.

When he was around 10, it was the  day of Gokulashtami, the eighth day of the month of Shravan (also commonly as Savan) that also coincides many a times with the advent of Rohini star, that Hindus celebrate the birth of Krishna, the lovable philosopher god. As it happens in a typical Iyengar household in this part of the world, the mother was very very busy. After all, it is for Krishna, the loveable little god for whom the devoted woman would make every sweet and savoury that she knows of and has been taught to make. And make all these before having anything to eat herself. The father was getting everything ready for the set of customs he would perform to ceremonially bathe Vishnu, the ultimate god embedded in the stalagmite picked up in Nepal from the riverbed of Gomti, a tributary of Ganga, chant the poems of creation of the world and all the beings - animate and inanimate, composed by the sages of ancient India, reputedly about twenty five centuries or more earlier, usher in and celebrate the birth of Krishna.

It was Rukmini who noticed the young sampatthu from behind as she came out from the kitchen, his hair, forehead covered in blood, she could see blood oozing out from somewhere at the top of the head, the boy seemed to be in a daze, neither crying nor shouting, staring at them blankly.
She immediately made the little boy lie down, held the pried open skull together with a piece of cloth, applied turmeric powder on the edges. That is when the boy felt the pain and reacted, howling in pain. Sampatthu was on the verge of losing consciousness. Both kept talking and stroking him, giving him water to drink. It was almost dusk, even the native doctor was not available in the village. Srinivasa took the boy and put him up on his shoulders holding his injured head in his hand and walked up the 3.5 km to the neighbouring village of Ponnatapura where he knew the native Pandit (the traditional doctor who applied traditional knowledge) personally and knew he would be able to help. On reaching there after a brisk walk in about 20 minutes, Pandita saw the boy who was almost unconscious, the broken skull bloody and still wet with warm blood. The anxious parent waited as Pandit quickly examined the wound. ‘Seenasamy, this Gokulashtami is a lucky day for you, there appears to be no wound to the brain and your boy is a tough one, though I can’t say what long term damage may have happened’ – Srinivasa sat down and exhaled in obvious relief. His exertion striding down the dirt path didn’t go in vain. Later, Pandit went across to his backyard and collected a few herbs and leaves, ground them together with some dry herbs he had in his stock in to a smooth paste. Applying the paste to the open wound, he closed it with a pack of some more leaves and tied a cloth bandage around. By now, Sampattu was too tired to cry, was panting. He was given more water & a little sugar . Thereon for 15 days, Srinivasa got a new work schedule for 3 hours in the morning – taking his little son, Sampattu on his shoulder, Srinivasa would walk down the country road every day carrying the boy for the bandage to be replaced with a fresh paste of herbs & leaves that Pandit alone knew. It was about 20 days later that Sampattu was able to walk comfortably and go out. The Pandit’s medicine obviously worked and the boy slowly regained his strength in about three months. The deep scar, about 3 inches, where the skull had parted and had been put back together stretching from just beyond the crown to the back of the skull was visible all through his life as no hair grew over that scar. It, of course, also reminded all those around him of the miracle that survival turned out to be. It didn’t dampen his enthusiasm for things physical, however.


 
This was the childhood that Sampattu grew up from completing his 10th standard that was the end of schooling in those times in Gorur itself, well before he became Anna to me. 

Thursday, 7 May 2015

Morality, spirituality and elections by Shri T.S. Ananthu, Gandhian thinker



 Morality, spirituality and elections by Shri T.S. Ananthu

As most of us know, the split in AAP fructified on March 28, 2015, at a meeting of their National Executive wherein Yogendra Yadav and Prashant Bhushan were expelled from their Political Affairs Committee. Much has been written and said about the merits and demerits of what happened at that meeting. However, not that much attention has been given to a central point on which Kejriwal asked the NE members to base their vote on. He said:
‘You have to choose between those who lead you to victory versus those who lead you to defeat.’
By a vast majority, the NE members voted in favour of the one who had led them to that spectacular victory in Delhi, and so Yadav and Bhushan were expelled.
Yogendra Yadav too alluded to this subject when he wrote to all AAP volunteers later on:
“How to keep at bay the greed of instant success? Can success be achieved without compromising with one's moral ideals?”
However, while he raised this important question, he did not seem to provide an answer. So, I wrote to two grandsons of Mahatma Gandhi (also of Rajaji) whom I have been in touch with since the 1970s – Rajmohan Gandhi and Gopalakrishna Gandhi. Both are well known for their moral standing. Gopalakrishna penned his answer in one brief sentence:
“I believe it is just about possible, though extremely difficult.”
Rajmohan’s response was:
“A good answer to your question cannot come from me. What little I know pis this: many elections of the kind I have fought are won or lost because of a 'wave' which some can spot in advance.”
As is obvious from Rajmohan’s response, he did not think the voters paid much heed to his moral standing. When he contested in 1990 from Amethi against Rajiv Gandhi, hardly anyone said: ‘hey, here is the grandson of Gandhiji, whose family members have never gone after power or pelf, unlike those from the Nehru dynasty. Why not vote for him?’. When he contested on the AAP ticket in 2014, once again, his moral standing was ignored. Why is that the case? Why is it that voters in the same country which stood like a rock behind Gandhiji chose not to back his grandson who, unlike many other politicians, has a clean record and is well known for his ability to lead organizations? Has the Indian’s attraction to the moral fibre of its leaders gone down? If so, how come AAP swept the Delhi Assembly elections within a few months of Rajmohan’s defeat in the same city?
I -think it is a good idea for all of us to ponder over these fundamental questions. Let me put down here what comes to my mind as the answer.
My thoughts on these important questions:
I think morality does play a role in deciding a voter’s choice, but it is only one factor amongst many. For instance, if residents of a village badly need a road built so that bus services can be extended to their village, and a leading light in the village promises to get this done if they all vote for his party, and they believe his promise, they are likely to become part of his ‘vote bank’ – even if they know that in the process of getting the road built their ‘leader’ is likely to line his pockets. Thus, a morally upright person who is unable to ‘deliver the goods’ is unlikely to get the voters’ support. But that does not mean that morality is never a factor in the decision the voter makes. If two people are contesting an election and both seem capable of delivering the goods equally well, they would generally choose the one who seems more upright between the two of them. I would view AAP’s spectacular performance in Feb. 2015 in this light. In May 2014 voters had preferred BJP to AAP because Modi seemed capable of delivering the goods, and Kejriwal’s abrupt resignation had raised questions in their minds as to whether he was capable of governance. But his unqualified apology – coming as it did from a person whom they considered honest to the core – was accepted by them. By Feb. 2015 there was a feeling that Modi may not be that capable of implementing his promises as they had supposed in 2014, and so the voters immediately switched over to those whom they considered morally upright, and who now promised to deliver the goods and not run away from responsibility.

One of the important things politicians decide before their campaign is – what ‘goodies’ do we promise to deliver, and to whom? If the promises are attractive, the politician is likely to get the votes. Most of the time the goodies promised are only to a section of the voters – selected on the basis of caste, religion, region, language, class etc. In such a case, even if a political party wins, it is never a ‘wave’, for the votes get divided – as happened in the recent elections in J&K, where there was one ‘Hindu’ wave in Jammu and a counter-wave (‘Muslim’) in the Valley, thus effectively cancelling each other.

Whenever a ‘wave’ has happened across the board, it has always been the result of a clever positioning by a political party that promises to deliver goods to all and sundry – at least, the overwhelming majority. Thus, the Kejriwal wave of Feb. 2015 was based upon promises such as free water and reduced electricity rates across the board. The Modi wave of 2014 was based on a promise of ‘development’ (meaning, increase in income) to all sections of society, including the Muslims. The first wave that we saw in India was in 1971, when Indira Gandhi coined the catchy slogan ‘garibi hatao’, and created headlines by nationalizing the banks and removing the privileges of the princely class, promising that all except the top 1% would benefit by her policies. This never happened, of course – and when instead a select few scoundrels were seen accumulating enormous wealth illegally, the tide turned against her, and intensified when she tried to suppress it with her Emergency. This universal disillusionment resulted in another wave – this time, againsther, in 1977. But those who now came to power, though of a better moral fibre, were singularly unable to ‘deliver the goods’.  All sections of society were again very disillusioned. So, we had a repeat of the Indira wave in 1979.

It is worth noting that each ‘wave’ that we have witnessed was actually based upon an expectation which was never fulfilled. Therefore, every election boils down to a drama, a process which a British writer captured very well in the following humourous way:

“Under democracy one party always devotes its chief energies to trying to prove that the other party is unfit to rule – and both commonly succeed, and are right.”

What is really important to recognize is that what creates a ‘wave’ - ‘goodies’ promised across the board (such as ‘development for all’ a la Modi)  - can NEVER be delivered. If they are made available to one section of society, it is always at the expense of the other. Gandhi conveyed this through his famous statement – ‘the earth provides enough for every man’s need, but not for every man’s greed’. It is not possible to make everybody rich in the modern sense of the term, because modern ‘development’ is always at the cost of Nature, and the earth has a fixed amount of non-renewable resources. 

Therefore, elections often deteriorate into one-up-man-ship games by politicians trying to please one section of society at the cost of the other. In such a scenario, issues like sharing of river waters, proficiency in a particular language for getting jobs, giving a particular caste or religious grouping preferences etc. become very emotive issues, often resulting in violent confrontations. But they do get votes for those who are promoting these confrontations – irrespective of their moral standing.

There is a story of a politician who wanted to get elected from a working class constituency. He came up with a brilliant idea to garner votes. “If you elect me,” he told them during an election rally,” I will make sure that you only have a three-day working week”. Not to be outsmarted, his opponent came to the microphone and countered with “But if you elect me, I will make sure you need to come to work only every Wednesday”. One of the workers shouted from the audience –‘what do you mean, every Wednesday?”

This story is meant to illustrate why it is that people espousing extremist ideologies tend to get attention and votes so easily these days. The vast majority of people want to climb the ‘get rich quickly’ bandwagon, in which the expectations are raised to unsustainable levels, and the hope is that the modern ‘system’ with its wonderful technologies will meet those expectations at the least cost – so, why work even on every Wednesday if one can get one’s salary without that?

This trend is catching up in a big way not just in our country, but all over the world. For example, why is it that sectarian fissures have developed in Iraq? The fundamental reason is that Sunnis and Shias have been promised increased share of incomes from oil and such ‘natural’ revenues by those who claim to be their religious leaders. Even the ‘secular’ Saddam Hussein resorted to this tactic to retain his hold on power, and now IS is practicing it in a very blatant way. Sunnis from all over the world are being attracted to shift to IS territory and join them on the basis of promises that include the provision of a lovely house, a car and girls. These are the kind of promises that always backfire in the end. Assuming the IS goal of converting all of humanity into Sunnis (by eliminating those who refuse to convert) is fulfilled, is it really going to be possible to supply these ‘goodies’ to each one? For instance, if each person were to own a car, how many years of supply of gasoline will the earth have? What about the iron ore needed for the manufacture of the car? So, in no time at all, there will be different groupings among the world’s Sunnis, all fighting with each other for a better and bigger share of the world’s scarce resources, but in the name of their particular group, whose interpretation of the Koran they will claim is the ‘right’ one!

We need to recognize that the modern goal of ‘development for all’ has pushed us all into a fool’s paradise, resulting in the mayhem we are witnessing in so many parts of the world. At the root of all our problems – which may seem to stem from different sources such as religion, ethnicity, language, nationality, class, caste etc. – is our definition of what constitutes development and progress.

Recognizing that the modern military-industrial complex is luring us into unachievable goals, Gandhi had suggested a different route, as spelt out in his seminal book “Hind Swaraj” – in which, he made it clear, his advice is meant not just for Indians but for all of mankind, including the Englishman. It is very important to understand that what he meant by “Swaraj” is very different from the way the word in understood by most people, including Kejriwal and Yadav. To him, Swaraj meant Swa+Raj – self-control, control over one’s own mind. Therefore, it was primarily an individual concept, not a political one. In his vision, Swaraj at the social level could occur only if a sufficient number of people practiced it at the individual level. Concepts such as village republics and local self-governance (which AAP has been stressing) flowed from this basic notion of individual self-control. But these concepts are not implementable at the social level in the absence of Swa+Raj at the individual level.

Therefore, Swaraj from the Gandhian point of view is basically a spiritual effort, wherein we try to bring our mind under our control – so that we learn to distinguish between need and greed, and thereby limit ourselves to our needs, which Mother Earth is ever willing to provide to all of humanity. ‘Mohalla sabhas’ of the kind AAP has been championing as the basis for decision-making will not work until our very definition of ‘development’ is based on self-control as the goal of life.

If material growth is not the goal of life, what should it be? If we want to pursue Swaraj, the goal of life has to be –becoming a better human being – rather than increasing our so-called ‘standard of living’. In theory, almost everyone would agree that becoming a better human being is a desirable goal, but when it comes to practice, it becomes very difficult to marry this goal with the goal of ‘prosperity’ that modern development promotes. When I was living in USA in 1965, I had come to know a wonderful, loving, helpful family, who were trying their best to practice (as well as preach) Christianity. Their home, which I used to visit often, was in a place called East Palo Alto – which at that time housed only whites. One day, when I went there, they were all in a sullen, depressed state of mind. When I inquired, they told me with alarm written all over their features that a black man had purchased a house in East Palo Alto. “Why does that bother you?,” I asked, “I thought you treated blacks as equal, especially if they are Christians.” They replied: “Oh yes, we do, but we don’t want them as neighbours. That depresses the property market, and all the loans we have taken for buying the goods to maintain our standard of living are based on the assumption that our lovely home’s market value will increase exponentially.” They soon put up a ‘For Sale’ board on their lawn, and succeeded in selling their lovely home before the prices went down too low. This trend picked up momentum, real estate prices dived, and East Palo Alto soon became a ‘ghetto’ for the blacks!

We may not realize it, but built into the value framework of modern development are features which force us to become worse rather than better human beings. Modern development is based upon a creation of desires – for goods, for new inventions, for a bigger share of nature’s resources. 

Therefore, we end up treating the ‘other’ (be it the religion or race or caste or whatever) as a competitor, to be outsmarted – or. worse still,  eliminated - even if that is not our intention. The highly respected economist John Maynard Keynes was frank enough to admit this in simple, straightforward terms:

“We must all pretend to ourselves and to each other that foul is far and fair is foul, for foul is useful and fair is not. Avarice and usury and precaution must be our gods for a little longer, for it is only these gods who can take us out of the tunnel of economic necessity into daylight.”


Gandhi’s ideas were based on a recognition of the truth of what Keynes has stated above – that in the name of ‘economic necessity’, morality is being sacrificed.  Therefore, he suggested the opposite – putting a limit on our material desires so that our higher faculties may be better developed, resulting in our becoming better human beings. But the fact is that the people of India have never really accepted Gandhi’s ideas, even though we call him the Father of the Nation. Beginning with Nehru, who used the word ‘preposterous’ to describe Gandhi’s booklet “Hind Swaraj”, even his own so-called followers (with the possible exception of Khan Abdul Ghaffar Khan) had rejected it. And now, with ‘globalization’ in the air and everyone’s penchant for improving our ‘standard of living’, the vast majority of people want to go in the direction opposite to what Gandhi had recommended.

Therefore, ideas like Swaraj are not easy to implement, as the masses are today too enamoured of ‘development’. However, a good leader can attempt to turn the tide, provided he himself is practising Swa+Raj – the spiritual goal of gaining full control over the mind. What does this mean in actual practice? It does not mean that Kejriwal losing his temper and abusing Yadav and Bhushan during that infamous phone conversation amounts to proof that he is not trying to practice Swa+Raj. But if he does not feel remorse for it by resolving not to treat others in this fashion again, then he has not set the goal of Swa+Raj for himself – and so his attempts at Swaraj for Delhi or India will come to naught. Similarly, during his address at Ramlila grounds, when he spoke of the ills of ahankar and how the voters had punished AAP on account of this in the 2014 elections, if he was referring to himself, then he is practising Swa+Raj. But if, as many analysts have said, it was an oblique reference to Yadav and Bhushan whom he was planning to throw out of the party, then he was far away from this ideal. He was ignoring the truth of that famous saying which I first heard from Rajmohan Gandhi:


“When you point a finger at someone, remember, there are three fingers pointing at you.”


Looking at one’s own shortcomings, admitting them and trying to overcome them is the essence of Swa+Raj. This seems a sure way to lose elections, where ‘putting down the other’ is standard practice. Therefore, as Gopalakrishna Gandhi has written, winning elections on a moral platform is “extremely difficult”. But it has been done, and it can be done. Two examples that come to my mind are Lal Bahadur Shastri and Gulzarilal Nanda. When Shastri was Prime Minister, I remember an incident when he was visiting Bangalore. Those days, India was always facing a food shortage, something the newer generation has not experienced. At that particular time, Karnataka had been in the grip of a severe food crisis on account of a drought, and Shastri had been called there by the Chief Minister specifically to request a special package of aid from the Central government. On the evening of his arrival, there was a tea party in his honour, where the menu included specialities like fried cashew nuts, tasty sweets etc. Shastri excused himself from eating any of these. Then, when his turn as the guest of honour came to make a speech, he merely said: “Tomorrow, when your Chief Minister requests me for a special grant from the Centre by pointing to the shortage of food in this state, I am merely going to read out the menu of items served at this function”.

Shastri’s speech would not have had the desired effect if he had himself partaken of any of the goodies. Therefore, a few days later, when he called upon each Indian to skip a meal a day for some days, there was a massive response. Only a leader who practices Swa+Raj himself can evoke such a response. This is where the importance of individual self-control comes in. Not just at the level of food and money, but also at the level of power. Gulzarilal Nanda was made Acting Prime Minister twice, but was never elevated to that supreme post which all politicians hanker after. But he never minded it, and when the second time he was overlooked and Indira Gandhi was instead elected by the party, he merely shifted to a one-room rented tenement in Delhi in which he lived out the rest of his life.

If a politician were to practice this kind of Swa+Raj on himself, what are the chances that he would get into positions of power? Most people would think the chances of getting elected on a platform of humility is very low. But if winning is the sole aim of the politician, then morality has to be bid goodbye.
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Narasimha Prasad  







 A few thoughts on morality in politics & Swa-raj as explained by Gandhiji.
1. In as much as that politics is all about influencing people & events. In a democracy, reaching a position of influence over the majority of the electorate is the all consuming objective of the politician. Personal morality is but one of the features of a leader that may be appealing to the electorate. Frequently, more attractive features as you've elaborated are peddled to get the votes. It is also easier to do so. Equally important, a morally upright person is more likely to be loathe to boast about her uprightness, even mention about it in publicity. In a democracy, that is self - defeating when winning elections is the objective.
2. An individual elector would look for whats appealing in the personal perspective of immediate/ short term/ medium / long term features of the candidates. A candidate's morality would be more appealing if it is shown to be lacking than otherwise, as frequently seen. It appears easier for morality to become a influencing factor collectively at times than at a personal level. A candidate's personal integrity & high morals stand a very poor chance against promise of goodies & freebies, personal or collective.
3. It is easier for everyone to highlight negatives as there is an excitement in knowing/ talking about the negatives of a person that positives can never match. We can see that happening always - a rape, an actor getting convicted for a crime, a politician accused of corruption, get much more attention than the excellent work of Satyarthi or the moral uprightness of numerous but a minority of government employees who suffer for protecting their integrity & honesty while at public service.
4. A leader who invokes the latent aspiration for everyone to be good, to be successful,  to be morally upright
 has a better chance to get elected over another equally morally upright candidate.
5. Greed is a basic human trait that is better regulated than suppressed or avoided in the society. At a personal level, what is adequate is the individual's estimate that differs not only amongst people but also with time for the same person. Hence, Gandhiji's Swa-raj is more a personal ideal to work for than to be a collective benchmark.  

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Shri T.S. Ananthu’s response.
I particularly liked two points - (i) a morally upright person will never boast about his uprightness as humility is the foundation of all other good traits (ii) good workers and good behaviour (by people like government servants) does not catch peoples' attention because the media needs to highlight the sensational and catchy stuff. It is for this reason that sectarian and communal differences tend to get exaggerated - no one, for instance, mentions the hundreds of Hindus who risked their lives to save their Sikh friends in Delhi during the 1984 riots, or the Muslims who protected the Pandits when they were being terrorized in Kashmir.

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