Tuesday, 26 May 2020

RELEVANCE OF ENVIRONMENTAL STUDIES IN COMMERCE


Environment is defined as the sum total of all external conditions and influences which affect life on earth.

Human beings depend on the environment for food, water, clothing, shelter, raw materials, metals, minerals, etc.

Science and technological inventions have made human life more comfortable. With the growing population and its innumerable needs, there is pressure and stress on the available resources.

The disturbance in the environmental stability gradually lead to decline in the quality of environment
E.g. temperatures are rising, rainfall is decreasing, loss of biodiversity, increase in air, water, soil and noise pollution, etc.

A commerce student must be familiar with the environmental impact of commercial activities like agriculture, industries, mining, transport because these activities are responsible for depleting the good quality of environment.

The student must learn to view ‘development’ in correct perspective. He/she must inspect and review man-environment interaction in a way that he can identify ‘right’ and ‘wrong’ actions.

An understanding of the effects of human actions on environment is necessary to generate a consciousness to protect our environment and maintain good quality life

The study enables students to understand growth pattern, composition and direction of trade at the local, regional, national and international level.

Introduction of Environmental studies to the commerce faculty is the right step towards generation environmental awareness in young minds.


FOOD CHAIN

All ecosystems are made up of food chains that begin with energy i.e. sunlight extracted from the physical environment and converted to organic matter by plants.

Herbivores (plant eating animals) synthesize a portion of the plant material in their bodies. the flesh of the herbivores provides nutrition and energy to carnivores (flesh eating animals). Thus, energy is passed on from one organism to another step by step thus establishing a link. These links together form a food chain.

Food chains

Monday, 25 May 2020

POPULATION


India is a multi racial, multi religious and multi lingual society. Its population combines elements of six main racial groups. All the great religions of the world are found in India. The major religious communities are the Hindus, the Muslims, Christians, Sikhs, Buddhists, Jains and Parsis.

India represents unity in spite of great diversity. The diversity of India is shown by three main facts.

Firstly, Indians belong to a number of religions which were brought into the country through political and cultural invasions.

Secondly, Indians speak as many as 1652 languages and dialects.

Lastly, before independence, India had about 500 princely states. Yet, in the interest of the nation, the states agreed to become a part of united India.

India continues to be a ‘living democracy’ even though there are so many political parties with internal differences.

India has the second highest population in the world with 35 mega cities – cities with a population of over 1 million. Mumbai is the largest city in India.


MAIN FEATURES OF INDIA’S POPULATION

Size and growth – India has the second highest population in the world. The situation is very grave and the country is under threat of population explosion. The rapid increase in the size of population is the result of an increasingly widening gap between birth rate and death rate.

Density of population – Within the country, density differs from state to state. High density in certain states and cities is due to the productivity of land, growth of industry, etc. Though high density creates many soci-economic problems, yet no direct link has been established between economic development and density of population.

Rural-Urban distribution – India is predominantly an agricultural country. Over concentration of population in the agricultural sector has created problems of disguised unemployment and landless laborers. The Indian economy has undergone a structural change in the last 40 years. Yet the urban population has increased due to growth of industries. The rapid increase in population combined with the slow growth of urbanization has resulted in a very slow decline in rural population.

State-wise distribution – Distribution of population is very uneven among the states. Uttar Pradesh has the highest population while Sikkim has the smallest population. Among the Union territories, Pondicherry has the largest population while Lakshadweep has the smallest population. Besides the unequal distribution of population, the state has also experienced different rates of population growth.

Age composition – of the population tells us the proportion of population forming the workforce and the dependency ratio – i.e. the proportion of people that require to be supported. Children in the age group of 0 to 14 and retired and old people above the age of 60 years depend on the working section of the population. People in the age group of 15 to 60 form the work force of the country though not all in this age group participate in work. Only about 40% of the population participate in productive work. A high dependency ratio means a large portion of resources is required to support the unproductive section of people. Out of the given national income a larger amount is spent on consumption, leaving behind a small proportion for investment. To reduce the proportion of unproductive consumer it is necessary to bring down the birth rate.

Sex composition – Sex ratio shows the number of females per thousand males. Sex composition influences the marriage rate and birth rate. An unfavorable female male ratio where the number of females is smaller gives rise to moral and social problems. In comparison to India, advanced countries have a favorable female male ratio. The unfavorable female male ratio in India is due to a number of reasons. Female mortality is high, girls are considered a liability, early marriages, poverty, etc., are the socio-economic factors that cause an unfavorable female-male ratio in India.

Literacy Rate – is one of the factors that determines the quality of population. A literate is one who can read and write with understanding in some languages. Even with this definition our literacy is low. Literacy is unevenly spread between sexes and regions. Statewise, Kerala has the highest literacy rate while Bihar has the lowest.

Life expectancy – The average life expectancy refers to the number of years the people of a country expect to live. It depends on the death rate and the age at the time of death. An improvement in life expectancy indicates a qualitative change in the population. A longer life expectancy provides a large labor force, increases the production of goods and services and in turn improves the standard of living.


GROWTH OF POPULATION

Growth of population can be explained with the help of the ‘theory of demographic transition’. The theory explains the relation between economic development and the changes in birth and death rates. According to this theory the growth rate of population grows through three stages.

In the first stage, both death rate and birth rate are high, keeping population growth at a low level. At this stage, the per capita income is very low.

In the second stage, the economy is in the process of development. The various socio economic changes that take place during this period affect the birth rate and death rate. 
Death rate starts falling rapidly but birth rate remains high. The gap between the two rates gets widened resulting in rapid increase in population. Due to the very fast rise in growth of population this stage is called the state of ‘population explosion’. E.g. India

In the final stage, the birth rate declines and comes down to the level of the already attained low death rate. Both birth rate and death rate become stable resulting in very slow rise of population.

India’s fast growing population is a result of a rapidly declining death rate and a high birth rate.


CAUSES OF HIGH BIRTH RATE

Poverty – It is observed that the poor have more children than the rich. For poor, children are assets. As they are not in a position to educate their children, the cost of bringing up a child is very low. The children start earning at a very young age and thus help the family economically.

Low survival rate – Mortality is high among the poor. This compels them to have more children so that some may survive. Children are a source of security to the poor in their old age as the poor do not have social security benefits

Religious beliefs – The belief that children are ‘god’s gifts’ discourage people from controlling birth. Among Hindus, it is believed that without at least one son it is not possible to get deliverance from the cycle of birth or rebirth. Religious beliefs coupled with political and social tensions discourage different communities from supporting birth control.

Social attitudes – Social customs in India make marriage compulsory. Marriage is universal and takes place at an early age. The longer reproductive age, due to early marriage, results in a larger number of births.

Illiteracy and ignorance – Literacy in India is very low. Illiterate people find it difficult to understand the various manifestations of over population. Illiteracy also leads to ignorance about birth control devices. People are deeply superstitious and it is very difficult to motivate them to have fewer children.

Ignorance of birth control devices – Not only many are ignorant about the different birth control methods, but they are beyond their reach.


CAUSES OF LOW DEATH RATE

Standard of living – Better nutrition and hygiene have reduced the number of deaths.

Medical facilities – Improvement in medical science and easy access to medical facilities have helped control death rate among infants and women. Many diseases are under control and cease to be fatal. E.g. smallpox has been eradicated.

Transport and communication – Improved transport and communicaiotn systems have brought down deaths occurring due to famine, drought and other natural calamities.  Immediate help and rescue operations save many lives.

Economic development – Economic progress brings changes in all spheres which in turn bring a qualitative change in life. Since people are eager to control death, they are quick in taking advantage of any positive change that helps them avoid death.


PROBLEMS OF OVER POPULATION

Land-Man Ratio – A large and increasing population deteriorates the land man ratio. The increasing density of population reduces the land available per person.

Capital formation – Capital scarcity is one of the obstacles to economic development. Capital accumulation depends on savings and investments. Higher rate of savings is important for promoting economic growth. In a poor country a large portion of national income is consumed leaving behind a small fraction as savings.

Unemployment and poverty – Indian economy finds it difficult to absorb the increasing number of job seekers. Disguised, seasonal and open unemployment prevail I the economy. The number of educated unemployed is increasing very fast. Lack of unemployment opportunities have increased the incidence of poverty.

Balance of payment – Low capital formation combined with the need to increase the investment to support the large population compels the country to borrow foreign capital. We need to import for investment as well as for consumption. All these factors have led to a continuously increasing external debt and also a balance of payments problem.

Increase in dependency ratio – High birth rate and declining death rate lead to an increasing number of young and more retired and old people. These depend on the working population which is not more than 40%

Socio economic Problems – Overpopulation gives rise to many socio economic problems. E.g. inter group conflicts, shortage of food, housing, unemployment, poverty, etc. Negligence of the girl child, female foeticide, etc. lead to declining sex ratio.


REMEDIAL MEASURES (Preventive and Curative)

Government measures – India is the first country in the world to have adopted an official population policy for controlling further growth in population.

Family planning as a means to population planning – The term ‘family planning’ implies deliberate planning, intended to limit the size of a family, with proper spacing of children, in such a manner that, within the available economic resources, a reasonably high standard of living can be maintained and at the same time the general economic development of the country is ensured.

The main elements in the family planning program:

Widespread education to create the necessary social background for a large family planning program

Development of training programs in medical collages and other teaching institutions

Provision of family planning services through medical and health centers

Research in birth control to discover suitable, effective and safe contraceptives.

The family planning program has been successful in Kerala, Tamilnadu and Goa

Clinical approach and Cafeteria approach to family planning

Clinical approach to family planning – in the early years, the Government of India adopted the Cliinical approach to family planning. Accordingly a number of rural family welfare planning centers were set up throughout the country. A Department of Family Planning Program was set up at the center to coordinate activities. These centers provided supplies, services and advice on family planning. The government hoped that people would take advantage of the facilities

Cafeteria approach to family planning – The fifth plan advocated Cafeteria approach consisting of group acceptance of small family ideal, personal knowledge about family planning methods and ready availability of supplies of contraceptives and other services.
To terminate unwanted pregnancies the government liberalized the law regarding abortion.

Motivation – as the clinical and cafeteria approaches did not meet with much success, the government started placing more emphasis on motivation and on changing the attitudes, norms and values of the people. Mass media such as lectures, informal talks, films, television, newspapers, journals, etc. have been used widely to spread the message of family planning. Sterilization camps were organized in rural areas. Abortion was legalized in April 1972.

Educating the young – Since about 42% of our population is under the age of 15, this group will strongly influence the demographic situation ad therefore it is important that a desire to adopt family planning as a way of life be cultivated amongst the younger generation. This can be achieved through proper education and development of right attitudes among the vast population which is yet to enter the fertility group.

Educating women – Women’s education is important for promoting family planning in India. The more educated the women, the more likely that she will have fewer children.

Difficulties in India – Despite these measures, the results have not been very satisfactory as the program has not spread evenly among the different states and districts. Some serious deficiencies are Inadequacy of the training program, Under utilization of services, Ineffective supervision, etc. Illiteracy of the masses and lack of proper communication media have proved a great hinderance to the effective implementation of family planning in India. Raising the level of education and the age of marriage is bound to have a healthy influence in restricting the size of the family.




ILLITERACY


A person is said to be literate if he can read and write in any language. However, this is ‘simple literacy’ and serves no useful purpose. Today the emphasis has shifted to basic education.Basic education involves functional literacy.

 Functional literacy has three main goals:

To enable the learner to read and compute (carry out simple arithmetical calculations)

To raise the capabilities of the learners in respect of their personal, economic and social life.

To create awareness in the learner about his / her rights and duties.

The quality of the population of a country depends upon the level and type of education attained by people. The greater the majority of people are educated the faster the rate of industrial and agricultural development takes place in a country and vice versa. Ever since independence the elimination of illiteracy has been one of the main concerns of the government.

CAUSES OF ILLITERACY

Poverty – is the root cause of all socio economic problems. Poor people expect their children to work and add to the family income. It is not possible for them to meet the expense of education. Even when education is free they find it difficult to withdraw their children from work and send them to school.

Caste system – in our country has discouraged the socially backward form acquiring literacy

Low status ow women – has discouraged most people from sending their daughters to school as household work is considered to be their main responsibility.

Inadequate facilities – some children have no school in the vicinity and have to travel long distances. Wherever schools exist, there are no pucca buildings, no blackboards, no drinking water and schools are single teacher schools.

Population explosion – no efforts of increasing the rate of literacy in our country will be successful unless and until the population growth is arrested.


EFFECTS OF ILLITERACY

Slow economic development – illiteracy is one of the factors that contribute to the slow rate of economic growth of the country

Unemployment – illiteracy contributes to unemployment as illiterate persons have much less scope of getting employment

Low efficiency – illiteracy contributes to low quality of labor force and poor productivity

Poverty – is both the cause and effect of illiteracy. The earning capacity of an illiterate is less and therefore a majority of them are below the poverty line

Backwardness – a society with a majority of illiterate people remains backward as superstition and orthodoxy play dominant roles and it is difficult to introduce social reforms. 
Religious fundamentalism becomes deep rooted and people become easy prey to communalism

Exploitation – Illiteracy leads to exploitation and social and economic oppression. Many farmers are ignorant about land reforms and other benefits which they could receive from government schemes.

UNEMPLOYMENT

Unemployment is said to exist in a country where the able bodied persons of working age who are ready and ruling to work are not able to get work at the current wage levels. 

Persons who are not willing to work at the existing wage rate and those who are physically or mentally not capable of working are not considered unemployed.

Types of unemployment

Open unemployment – is a situation in which workers willing and able to work are unable to find job opportunities at the prevailing rate of wages.

Seasonal unemployment – employment level depends on the level of economic activity during different seasons. The level of employment improves in the busy season and reduces during slack season. Agricultural operations in India fluctuate from one season to another.

Cyclical unemployment – is caused by cyclical fluctuations in economic activity. The periods of intense economic activity are followed by slack or lean activity period. These periodic fluctuations give rise to variations in volume of demand and investment leading to periods of prosperity and depression.

Disguised (hidden) unemployment – is the result of sharing of limited amount of workload or job by too many laborers. Laborers seem to be busy doing a job  that is inadequate to keep him fully occupied. The same can be carried out by fewer persons.

Under employment – in such a situation, workers are actually producing less than what they are actually capable of. The lack of factors like natural resources, capital, etc. creates such situations and forces labor to produce below their full capacity.

Structural unemployment – is the result of changes in organizational and institutional set up of an economy. It is also the result of the growing imbalance between the supply of labor and the country’s productive capacity to absorb it gainfully.

Frictional unemployment – is mainly the result of changes in technology and the process of production. The introduction of new techniques in an industry requires new skills or adoption of new mechanized methods of production and may result in loss of jobs for worker (e.g. introduction of mechanized farming / corporate farming)

Technological unemployment – is caused by introduction of superior technology. Due to introduction of new techniques of production, workers become surplus and are retrenched and thus rendered unemployed

CAUSES OF UNEMPLOYMENT

Slow economic growth – the five year plans have embarked upon industrial and agricultural growth. Unfortunately, the growth rate achieved is not enough to absorb all job seekers.

Population growth – the rapid increase in population has resulted in an increased number of job seekers and less job opportunities

Capital intensive technique – large scale industries which have been established are capital intensive and hence offer limited employment. Modern technology limits the scope for employment.

Low priority for small scale industries – small scale industries are labor intensive and a large number of disguised unemployed can be absorbed. Unfortunately they have not been given due importance.

Defective educational system – the excess supply of educated job seekers is the result of a defective education policy. Education has not succeeded in becoming job oriented.

Poor human resource planning – unemployment it the result of the imbalance between demand for and supply of jobs. It is necessary to plan the supply of educated youth in different disciplines so that supply is in accordance with demand.

AIDS Acquired Immunity Deficiency Syndrome


The National Aids Control Organization (NACO) have estimated that there are about 3.5 million people living with HIV/AIDS in India. All states in the country have reported cases of HIV. Therefore, it is no longer viewed as a marginal issue, affecting only a certain section of society. The epidemic is rapidly affecting all strata of society, particularly youth.

AIDS itself is not a disease. But it gives open invitation to any disease. It allows germs of any disease to attack our body, including the brain. The term ‘Acquired Immunity Deficiency Syndrome’ (AIDS) indicates that the body has developed deficiency in immunity against attack from germs (viruses, bacteria, etc.) of different diseases.

CAUSES OF AIDS

AIDS is caused by two viruses which belong to a group called retroviruses. HIV infects certain white blood cells which play key roles in the functioning of the immune system. The virus attaches itself to certain molecules on the surface of the cell. When AIDS virus enters one of these cells, the virus inserts its genes into the cells reproductive system and it uses it to produce more HIV.

Researcher have identified ways in which HIV is transmitted:
Sexual Intercourse
Direct contact with infected blood
Transmission from an infected woman to her foetus or baby

People who inject drugs into their bodies can be exposed to infected blood by sharing hypodermic needles and syringes.

Health care workers may also become infected with HIV by coming into direct contact with infected blood.

DETECTION OF AIDS

It is difficult to tell whether a person has AIDS or not. Often the incubation period varies and can be as long as five years. However, certain blood tests can reveal whether the body has reacted to the presence of the virus. Unlike most other diseases, antibodies are not effective protection against AIDS.

MISCONCEPTIONS ABOUT AIDS

AIDS is not contagious. It is not transmitted through mosquitoes, air, water or food. Nor will a person acquire this disease by touching an AIDS patient. Similarly it is not possible to be infected from swimming pools, hand shaking, sharing bathrooms, classrooms and other open spaces. So unless we come in more intimate contact with an HIV/AIDS carrier, such as through sexual intercourse or sharing common needles and syringes we are not affected.

PREVENTION AND CARE TO BE TAKEN AGAINST AIDS

Adolescents (youth) and adults – should be well informed about AIDS

They should learn about safe sexual practices. The least risk is to have only one sexual partner (one’s own husband/wife)

Use of contraceptives should be encouraged.

All HIV infected persons should receive periodic blood tests to determine their cell count. 

They should have their health closely monitored by a doctor

All blood banks should conduct tests and screen blood donated to detect evidence of HIV

Public health agencies, doctors, dentists and other health care workers must use effective methods to protect themselves from contracting HIV virus while treating infected patients.


HIV /  AIDS DETECTION CENTERS IN MUMBAI

Mumbai has the highest concentration of persons suffering from HIV/AIDS, with nearly four lakh infected. The figure is rising alarmingly. Government agencies, public and private social service organizations, hospitals and associations are determined to fight this dreaded epidemic.

Mumbai District AIDS Control Society (MDACS) under Government of India, the Municipal Corporation of Mumbai etc., support and fund NGOs in anti HIV and anti AIDS projects and programs.

Big business corporations like Bharat Petroleum Corporation Ltd. (BPCL), Glaxo India Ltd, Larsen and Tubro (LNT) offer services to their own employees, slum and rural communities and families in their neighborhood to detect and eradicate AIDS.

Nirmala Niketan, SNDT University, Tata Institute of Social Sciences, Population Education Center and NSS volunteers of various colleges render service to the cause of social awareness about HIV / AIDS

Voluntary organizations like CARAT (Cell for AIDS Research, Action and Training), Asha Sadan run by Missionaries of Charity, St. Catherines Home managed by Catholic nuns, World Vision Network of Care play an important role in counseling, education and caring for people in slums, on the street, HIV/AIDS affected women and children from red light areas, etc.

Hospitals like KEM hospital, Sion Hospitalm Nair Hospital and several other hospitals and research institutions treat persons of all groups infected with HIV/AIDS.


WAR ON AIDS

AIDS is a fatal disease, once an individual contracts it, death is a certainty. The US Government and its agencies launched an intensive campaign to prevent the disease from spreading. It estimated that about 5.1 million people live with HIV infection in India. Major Indian cities like Mumbai are victims of this dreaded disease. The fun loving young men and women fall an easy prey to it. The Indian Government and Public agencies have been relentlessly waging a war against AIDS but it continues to spread. Medical experts and social service organisations are doing their best to contain if no eradicate the disease. But only public awareness and determination to avoid extra marital and unsafe sexual practices will enable containing and preventing the spread.

AWARENESS

Public awareness must be created about this deadly disease through print and electronic media. Educational institutions are expected to take the lead as they are in contact with the youth. Poster campaigns and street plays can be sued to educate the people about the seriousness of the disease.











TAX



TAX (INDIA)

Tax is a compulsory charge imposed by a public authority.
e.g. Central Government, State government, municipality, Gram Panchayat.

Tax can be classified into Direct and Indirect Taxes.

Direct Tax – cannot be passed on to someone else, payed by the person on whom it is legally imposed. E.g. Income tax

Indirect Tax – is passed on fully or partly to other people e.g. Excise duty

Two important features of Direct Tax:

They are progressive i.e. the rate of taxation rises with increase in income

They can be used to promote savings and induce people to invest in desirable assets.
e.g. Income tax – Every individual (Indian), company, firm, local authority, cooperative society, etc., has to pay income tax on total income computed according to the provisions of the income tax act 1961. Taxable income is the net income after deducting certain rebates from the total income. E.g. wealth tax, gift tax, capital gains tax, expenditure tax, cooperative tax.