KARNATAKA MINoRTTTES DBvBr-opntBxr ConpoRATIoN LTD

FINAL DRAFT OF'THE EVALUATION STUDY

OF

KARNATAKA MINoRTTTES DBvBr-opntBxr ConpoRATIoN LTD( A Goverment of Karnataka Undertaking )

F'OR

DEPARTMENT OF PUBLIC ENTERPRISES

Goverment of Karnataka

BY

CENTRE F'OR RESEARCH AND GOVERNANCE

FEBRUARY 2019

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CENTRE FoR RESEARCH ANo GovBnNANCE

BENGALURU, INDIA

Email: researchandgovernance

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ACKNOWLEDGEMENTS

The Govemment of Kamataka is already in the forefront for the

upliftment of the denied and the deprived; in their political, social

and economic arena. The Ministry of Minority Welfare, Karnataka,

is one of the pivotal agencies engaged in the progress of minorities

in the state so as to ensure that they are not oppressed or suppressed

in the great Indian polity.

The Department of Public Enterprises (DPE) is tasked with

ensuring that the public entities working tbr the development of

minorities in the state are on course.

The Hon'ble Shri B.Z. Zameer Ahmed Khan, Hon'ble Minister

for M inority Welfare, Kamataka, has advanced great initiative to

ensure this endeavour. We are most grateful to him for his

consistent and continuous support. He is also the Chairman of

KMDC.

We are grateful to the then Principal Secretary, Department of

Public Enterprises, Covt. of Karnataka. Srnt. Renuka

I[fi]

Chidambaram, who initiated the project and has provided

encouragement and valuable input. We are indebted to Sri Kapil

Mohan. Principat Secretary, Department of Public Enterprises,

Govt. of Karnataka, who has monitored and encouraged our

progress of the study and had enabled us to put in our best eftbrts .

We are grateful to Smt. M.V. Savithri, the Secretary, Minority

Welfare Department for her blessing and unstinted support. We

are grateful to Shri Akram Pasha, Director, for all assistance

rendered.

We are grateful to Shri Islauddin J. Cadyal, Managing Director,

Kamataka Minorities Development Corporation Ltd., for his

support and assistance. We hereby acknowledge our gratitude for

the assistance rendered by Srnt. Indira and Smt. Sneha, DPE.

Covemment officials at various levels has assisted us with inputs,

without which this report could not have reached its conclusion .

We are gratetul to them.

His Excellency, the then Arch Bishop of Bangalore, offlcials of the

Catholic Bishop Conference, innumerable persons of Minority

Communities have helped us, we are grateful to all of thern.

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INTRODUCTION

The population of the religious minorities in Kamataka as per 201 I

Census is about 96,00,475, which forms 15.92% of the total

population of Kamataka. It was observed that majority of the

minority community was reeling below the poverty line and their

economic and social status needed improvement.

Indian Constitution has always upheld values of Democratic

Socialism. Kamataka Minorities Development Corporation Limited

(KMDC) is one such institution constituted on those same

principles. KMDC was established by the Government of

Karnataka in the year 1986 to protect, preserve and improve the

quality ol life of religious minorities - Muslirns, Christians, Parsis,

Jains. Sikhs and Buddhists.

KMDC does not focus on other minority groups in Kamataka such

as racial minorities (for example, the Indo-African tribe of Siddis in

Karnataka), gender minorities (such as transgender citizens), or

other minority groups.

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ESTABLISHMENT OF THE CORPORATION

In order to help in the development of nrinority community by

improving their economic and social status, Govemment of

Kamataka entrusted the task to the then Kamataka Backward

Classes Development Corporation.

Karnataka Backward Classes Development Corporation (renamed

as D. Devaraj Urs Backward Classes Development Corporation)

had been extending loan facilities to religious minorities. During

the tenure of Late Ramakrishna Hegde, the then Hon'ble Chief

M in ister of Kamataka, it was observed that the development

schemes implemented through KBCDC had not significantly

impacted on the developnrent of rninority community by

improving their status socially and economically and bring them

into the main stream of other communities. Under the leadership

of Late Ramakrishna Hegde, Government of Kamataka established

a separate Corporation, viz. Karnataka Minorities Development

Corporation Limited on 07'r'February, 1986, with an objective of

improving the status of minority community socially,

educationally and economically.

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OBJECTIVE OF THE ORGANISATION

The Kamataka Minorities Development Corporation Ltd has been

established to give an impetus to social and financial inclusion by

improving the economic and educational status of religious

minorities.

The nrain objective of the Corporation is to extend loan f'acility at

very reasonable terms and affbrdable rates of interest to start or

expand businesses, for educational purpose or for housing and land

purchase, to the deserving poor among minorities. so as to enable

them to become self-reliant by providing social justice,

infrastructure, education and employment.

The Corporation also implements the loan schemes of National

Minorities Development and Finance Corporation, Delhi.

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STRUCTURE OF THE ORGANISATION

Karnataka Minorities Development Corporation Limited is a

Govemment of Kamataka Undertaking and established under the

Companies Act, 1956. The Corporation is now functioning under

the supervision of Minorities Welfare Department of the

Govemment of Kamataka. The Registered Office of the

Corporation is based at Bengaluru and it has its District Ot'fices in

all the 30 District Headquarters of the State. The Chainnan of the

Board of Directors is the executive head and the Managing Director

is the administrative head. The Corporation is entrusted u,ith the

job ol development of minority's status socially, educationally and

economically through the Government sponsored Schemes which

are implemented through its District Offices located at all District

Headquarters at Karnataka.

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ORGANISATIONAL SET.UP

Karnataka Minorities Developrnent Corporation Limited (KMDC)

is headed by a Director Board comprising ol':

L Shri. B.Z. Zameer Ahmed Khan, Hon'ble Minister for Food

and Civil Supplies, Consumer Affairs, Minorities Welthre,

Haj and Walk, Govemment of Kamataka, Vikas Soudha,

Bangalore and Chairman, KMDC.

2. Smt. M.V. Savithri, IAS, Secretary to Government, Minorities

Welfare Department, Govemment of Karnataka, Vikas Soudha,

Bangalore and Director, KMDC.

3. Shri Akram Pasha, IAS, Director Directorate of Minorities, 20'h

Floor, Main Tower, Visveshwaraya Centre. Dr. Amedkar Veedi,

Bangalore and Director, KMDC.

4. Shri Islauddin J. Cadyal, KAS, Managing Director, KMDC

5. Shri Sudharshan Kumar, Deputy Secretary to Govemment

(Welfare), Finance Department, Vidhan Soudha, Bangalore and

Director, KMDC.

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The Managing Director is the CEO of KMDC. The administration

setup consists of several senior ofTicers. Their designation and

approximate length of their tenure with the Corporation as provided

by the Corporation is noted below:

l. Shri Syeed Ansoor Basha, Adrninistrative Officere-O1.

Head Office, KMDC - recently joined on deputation.

2. Shri Syed Abukalarn, Administrative Officer-02,

Head Office, KMDC, Tumkur District - working on

deputation since l4 years.

3. Shri Syed Vazeer Ahmed, Recovery Officer, Head Ofllce,

KMDC - working on deputation since 04 years.

4. Shri Mohammed Saleem, Accounts Superintendent, Head

Office, KMDC- working on deputation since 02 years.

5. Shri L.S. Sikandar, Development Officer, Head Oftlce,

KMDC - working since l8 years.

There are 30 District Managers appointed as the head of the District

Offices located at all District Headquarters at Kamataka.

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SCHEMES OF THE CORPORATION

I . Self-employment Programme

2. 'Arivu'(Education Loan) Scheme

3. 'Shramshakthi' Loan Scheme

4. Micro Loan Subsidy Scheme

5. Ganga Kalyana Scheme

6. Land Purchase Scheme

7. Housing Loan Margin Money Scheme

8. Christian Community Special Development Scheme

9. Site Purchase-Cum-Home Loan lnterest Subsidy Scheme

(Only for Christian community)

10. National Minorities Development & Finance Corporation

(Delhi) Schemes.

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RENIARKS:

We had the assistance of retired Government servants who were

able to cull out documents of relevance as we were given manv

documents of which these documents only had subject wise

relevance. Since the Corporation thinks that it is of some value we

had examined it and is reproduced with our views on the matter.

Note - I

GO No. MWD 73 MDC 2013 dated 10.03.2015

Proceedings of GOK: Revising the Limit ol Annual Income of the

beneficiaries under the Kamataka Minority Development

Corporation [Excluding the Arivu (education loan) scheme]

Presently, the Limit of Annual Income of the benellciaries under

the Kamataka Minority Development Corporation with respect to

Arivu (education loan) is fixed to Rs. 22.000/-.

In the meeting held on 18.09.2014 it was dccided that. NMFDC and

KMDC are the corporations engaged in the development of

rninorities, there shall be uniformity in the limits of annual income

of beneficiaries of both the corporations, therefore to revise the

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limits of annual income on par with the NMDFC's annual income

limit.

NMFDC has revised the Annual income limit to Rs. 1,03,0001 (for

the persons residing in the urban areas) and Rs. 81,000/- (tbr the

persons residing in rural areas), accordingly govemment was

submitted with the proposal seeking for revision in the said manner.

Govemment vide the CO No. MWD 73 MDC 2013 dated

10.03.2015 has ordered revision accordingly as above.

Thtts, the Government of Karnataka has brought in an equivalence

in the eligible income limit on nalional paratneters . This v'e will

ar mul atit'elv exam in e.

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GO No. I\l\\'D 57 l\lDC 2015 dated 16.10.2015

Proceedings of GOK: Revising the Limit of Annual Income of the

beneficiaries under the Karnataka Minority Development

Corporation under the Arivu (education loan) scheme from

Rs. 4.50 lakhs to Rs. 6.0 lakhs.

As per the CO No. MWD 60 MDC 2014 dated 17.01.2014 and

27.08.2014lbr the students who have passed the CET exanrination

and continuing in the professional and post-graduate courses are

being provided with the interest-tiee loan under the Arivu

( Education loan) Scheme.

lncome of parents of students availing loan is fixed to Rs.4.50 lakh.

It was increased as per the GO No. DMD 148 BCA 2015 dated

04.06.201 5 to Rs. 6.0 lakhs tiorn existing Rs.4.50 lakhs as

applicable to the candidates belonging to backward classes

Category-2A, 28 and 38, by the Department of Minority

Development with respect to the schemes available under the

department.

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Managing Director, Kamataka Minority Development Corporation

has submitted the proposal that. to enhance the limit of annual

income of parents of students avai Iing loan under the Kamataka

Minority Development Corporation under the Arivu (education

loan) scheme from Rs. 4.50 lakhs to Rs. 6.0 lakhs.

Considering the said proposal Govemment is pleased to enhance

the I imits accordingly.

Vide this, the Government of Karnataka had expanded lhe horizons

of eligibilitl:. We had. therefore, exanrined with the help of the

Corporation, the enhancement in benefits and number of

beneJiciaries and according to the Corporation, this is quite

appreciable.

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Note-3

GO \o. NI\\'D 60 NIDC 2016 dated 27.10.20t6

Proceedings of GOK: Modifying the Swawalanrban Margin Loan

and Subsidy scheme being implemented by the Karnataka Minority

Development Corporation.

This relates to a scheme whereby a subsidy is provided which is

pari materia to several banking schemes being irnplemented by Dr.

B.R. Ambedkar Development Corporation and Maharshi Valmiki

Scheduled Tribes Development Corporation.

As per the GO No. MWD 36 MDC 2013 dated 10.01.2014, KMDC

is implementing the Swawalamban Margin Loan and Subsidy

scheme providing 20oh margin loan for the business activities ( Up

to Rs. 5 Lakhs Unit expenses) and 5oh (up to Rs. 25,000/-) as

subsidy".

Managing Director, Karnataka Minority Development Corporation

has submitted the proposal to issue revised order to implement the

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Swawalamban Margin Loan and Subsidy scheme in the manner

being implemented by Dr.B.R.Ambedkar Development

Corporation and Maharshi Valmiki Scheduled Tribes Development

Corporation.

Govemment, considering the said proposal, after detailed

examination, ordered to revise the Swawalamban Margin Loan and

Subsidy scheme in the manner being implernented by Dr.B.R.

Ambedkar Development Corporation and Maharshi Valmiki

Scheduled Tribes Development Corporation as follows:

l. 50% subsidy for the entrepreneurial activities under the Unit

Expenses below Rs. I Lakh or up to Rs. 35,000/- rnaxirnunr

limit.

2. 33% subsidy for the entrepreneurial activities under the Unit

Expenses above Rs. 2 Lakh or up to 33% of Unit expenses

Yearwise data on the number of beneficiaries under the Micro Loan

Subsidy Scheme is tabled below:

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No. of bcneficiariesName

of theScheme

20r3-r4 20 r4- r5 20r5-r6 2016-t7 2017-18

MicroLoa nwithSubsidyScheme

r5.584 3 3.00 r 24.825 19,433 t6.49'7

It is to be seen that instead of increase in the number of applicants

with the increase in subsidy made available, number of beneficiaries

has come down from 24825 during FY 2015-16 to 19433 in FY

2016-l'76 and further to 16497 in FY 2017-18. This needs to be

examined.

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\ote {

GO No. Nl\\'D 25 NIDC 2017 dated 06.03.2017

Under the 'Arivu' loan scheme, the courses namely, Air Craft

maintenance engineering/ technical / rnanagement / hospitality shall

be appended alter Sl. No. 59 of Annexure submitted as enclosed by

the Minority Development Corporation vide GO No. MWD l7

MDC 2008 dated 09.04.2009.

Thereafter, since we have been provided a huge bundle of note

sheets, our team have disseminated them and distinguished between

the relevant and irrelevant information. The notes as given and the

paragraphs and explanations are given below. These are co-related

and with the assistance of the Corporation, the fbllowing data is

culled out as is available in their records and is presented below.

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\ame oftheSc h eme

\o. of beneficiaries2013-14 20r4- 15 201 5- r6 2016-t7 201 7- l8

'Arivu'Scheme

t5.e63 22,411 22.003 )-) 75t 28. I 4l

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The Schernes with their allotment, achievement and percentage

over target in FY 201 7- I 8 is mentioned here.

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Allocation

Percentage

I Arivu( EducationLoan )Scheme

25000 10000 10000 10000 28426 It990.03 r05. r 8%

CET Schcrnc 33 r5 t527.90Total 28r4r r0517.93 r05.18% t05.18%

2000 2000 1,10i r023.00 53.15% 51.15%2 MarginMoney Loanfor housing

2000 2000

16197 1649.70 68.74% 68.74%J M icro Loanand SubsidyScheme

2.1000 2100 2400 2400

84.t% 84.t%l SelfErnploymentScherne

4000 30s0 3050 3050 2610 2-625.28

CangaKalyanaScheme

r930 ,1000 .+000 .r000 3 120 1348.99 108.72 r08.72

6 4000 4000 4000 lll16 3786.90 94.67% 94.67%ilramashakthian Scheme

8000

7 illd Purchaseeme

t00 1000 1000 r000 75 750.00 75.00% 75.00%

65030 26450 26150 264s0 63972 93.16% 93.16%T{tal

t8

Utilization

24641 .80

I. NON SCHENIES

2.10%

r.80%

I MinorityFarmersWellareScherne

r000 1000 t000 r000 12r 22 r.00 22.10%

,)An irnalHusbandryEncouragementScheme

2_s00 r000 t00t) 1000 1795 7 t8.00 71.80%

-) MaligeManeSchenre

100 s00 500 500 0 0

4 Minority TaxiDivers WelfareScheme(Subsidy only)

1500 1500I 500 l07l 7 | .40% 7 t .40%

5 TrainingEncouragement&lnfrastructureScheme fbrAuto Service,Automobile,Bidri andStructureactivities

6rJ0 1000 1000 1000 506 3 73.5 5 37.36% 37.36%

6 Loan for GulfReturnees

JJ 3-i0 330 l3 lt0

I Tota l .18t3 5330 s330 2892 2.193.55 16,78(,h 16,78.'1,7 Purchase of

Land fbrconstruction ofCraft Park inBidar andChannapatna

1220 r220 t220 0 0

I 6550 65-s0 2493.55 38.07% 38.0'7%

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s00 357

330 3333% 33.33%

5330

6550 2892

(irantl Total -1-1000 33000 33000 66tt6.l 271-15.-15 82.23"1,

Therefore, it appears to be that inspite ofthe target fixed, it appears

to be low in terrns of population rnatrix it cannot be said that the

Corporation was an overwhelming success in this respect. After

going through the applications and following sorne incidents, it is

found that even though some measure of success had been

obtained. the quality to be attained in enhancement of capabilities

of livelihood promotion, probably much more has to be done.

Possibly what we require here is an N.G.O like commitment than

a Govemmental approach. It appears that the Minority Welfare

Department and the Directorate were promoting the Corporation

going by the tone ofnote sheets but the ground level penetration by

the Corporation seems to be sketchy. We had visited rnany

Schools run by the Minority Cornmunity but untbrtunately, many

of the teachers seem to be ignorant of the specitic Schemes of the

Corporation.

As the input must be fiom "Cradle to livelihood empowerment".

inclusion of teachers on a very large scale fbr the implementation of

Projects is needed.

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698.1-l t2-23,,h

It is a well known fact that the educational attainment anrong

rninorities in India is comparatively lower. This is because of the

non-availability of adequate educational facilities in terrns of the

schools that provide education through their mother tongue.

Besides, the minority community children who come through their

mother tongue mediunr of schools face the problern of lack of

continuity of the same educational stream. Afier completing their

primary / elementary education in their nrother tongue , these

children tend to drop out from education on account of non-

availability of high schools and colleges which provide instruction

through the medium of their own languages.

The Corporation under the able guidance of Hon'ble Minister, Shri

B.Z. Zameer Ahmed Khan and the Secretary, Smt. M.V. Savitri.

IAS, has issued several promotional ventures to indicate

Govemment support for rninority affairs from poverty to self

reliance. Some of the high lights of the matrix alongwith the

Schemes under study is expounded below.

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EXPLOR.ATION OF V,{RIOUS SCHEMES OF CORPORATION

(1) SELF-EMPLOYMENT PROGRAMME:

st.No.

UnitCost

Beneficiary'scontribution

Bank loanportionprevailingrate interest

I Upto Rs.

1.00 lakh50% ofcostmaxir.num

unltofof

Rs, 35,000

50% of unitcost ormaximum ofRs.65,0001

1 From Rs.

1.00 Lakhupto Rs.r0.00lakhs

33% ofcostmaximumRs.

Lakhs

unitorof

2.00

Upto50,000-/-

Rs 62%o of unitcost ormaximum ofRs.7,50,0001

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Under this Scheme, persons belonging to Minority courrnunities

are assisted financially to start and improve business, small scale

cottage industries, service sector, agriculture based activities etc.,

through Nationalised Banks/Financial Institutions. The loan

portion will be provided by various Nationalised Banks/Financial

lnstitutions. The details about financial assistance are as under:

Subsidyfrom KMDC

E ligibilit.v" criteria :

(l)The applicants should belong to religious minority as deflnedin the Covernment Order.

(2)They should be permanent residents of Kamataka State.

(3)They should produce 'Aadhar Card', Voter ID, Ration Cardfor residence proof.

(4)Annual family income from all sources should not exceedRs. I .03 Lakhs in urban areas and Rs. 81.000/- in rural areas.

( 5 ) Project Report/Quotation.

(6) Age of the applicants must be between l8 to 55 years.

(7) Applicants should possess Bank Accounts in the banks

having IFSC codes.

(2).ARIVU' (EDUCATION LOA\ SCHENIE) :

Under this Scheme, education loan ranging lrorn Rs.75.000/- per

year will be sanctioned to the minority students who are desirous

of pursuing professional courses like Engineering. Medical,

Dental, Graduation, Post-Graduation, Ph.D, Nursing, Para Medical,

B.A, B.Com, B.Sc., B.Ed., D.Ed. BBM. B.Pharma, M.A, M.Sc.,

M.Com, M.B.A, M.Ed, ITI and Diploma courses. Similarly, loan

upto Rs.l.00 lakh for BSLP, Audiology, Aeronautics Engineering,

u,ill be sanctioned, until they complete the course. The loan has to

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be repaid by the students after one year of completion of the

course @) 2% service charge P.A. Applicants need to log on to

u'ww. kmdc. n ic. ini arivu/2 and apply in the on-line application.

.ARI\'U'(CET. D-CET, PG-CET) SCHEN'IE :

The pre-loan rvill be sanctioned to the minority students appear

fbr CET, secure ranking and select seat fbr professional courses.

The tuition fee payable by the students, will be transmitted from

the Corporation to the respective colleges selected after

counseling, through Kamataka Examination Authority. The

students have to download the prescribed application from the

Website and submit the same to the District Of'fices along with the

required documents as specified in the application. Applicants

need to log on u,rr u .krrdc.n ic. inlarir r.r/2 and apply in the on-line

application.

.ARIVU' (NEET) SCHENIE :

The Corporation sanctions education loan of 50% of the tuition

fee or Rs. 3.50 lakhs per annum (whichever is lower) to the

minority students who are appearing for NEET Examination for

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pursuing Medical and Dental courses. Applicants need to log on to

ww rv.knrdc.n ic. in/arivu/2 and apply in the on-line application.

Eligibilitr Criteria :

l. The applicants should belong to religious rninority as detlned

in the Governrnent Order.

2. They should be permanent residents of Kamataka State.

3. They should produce 'Aadhar Card', Voter ID, Ration Card

for residence proof.

4. Annual family income from all sources should not exceed

Rs. 6.00 Lakhs.

5. Applicants should possess Bank Accounts in the banks

having IFSC codes

(3) ]\IICRO LOAN WITH SUBSIDY SCHENIE:

Scheme is implemented through Self Help Groups exclusively

managed by rninority women and involved in thrift/medical

activity.

The Groups so organized should be of l0 to 20 members. The

members, after forming Self Help Croup, should select two of its

Members as Group Leaders I & 2. They should open a bank

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account in the name of the Self Hclp Group with Group Leaders I

& 2 as Authorized Signatories. The minority cornrnunity \\ ornen

residing in the city areas and rural areas u'ho u'ish to start petty

business like vegetable/fruit vending through push carts, kallai

making, bed making, pan shop, groundnut selling, cycle repairing,

gas/arc welding. vulcanizing, fish selling, tea shop, tailoring etc.

rvill be provided loan of Rs. 10,000/- (i.e. Rs.5.000/- as loan and

Rs. 5,000/- Subsidy)) to each mernber of Sell' Help Group . The

loan will be sanctioned directly to the Self Help Croup, which, in

tum, will further disburse loan to its members.

The loan has to be repaid in 36 monthly instalrr.rents @ 5% interest

per annum. Out of this, l% interest shall be retained with Self

Help Group for rnanagement of the Group.

Eligibilitl' Criteria :

(l)The applicants should belong to religious minority as defined

in the Government Order.

(2 ) They should be permanent residents of Karnataka State.

(3)They should produce 'Aadhar Card', Voter ID, Ration Card


(4)Annual family income from all sources should not exceed

Rs. 1.03 lakhs in urban areas and Rs. 81,000/- in rural areas.

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(5)The Self Help Croup should have minimum l0 to 20

members.



having IFSC codes.

(-I). SHR{NTSHAKTHI LOAN SCHEME

Under this scheme, loan upto Rs.50000 will be provided to

minority traditional artisans to improve their trade and technical

skill at a low interest rate of 4%o. The Loan includes 50% back end

subsidy for prompt repayment of 50% within a period of 36

months. If he fails to repay the Loan within a period of 36 months.

trhe back end subsidy will also be treated as a loan.

Eligihilitr Criteria :

(l) The applicants should belong to religious rninority as defined

in the Govemment Order.

(2) They should be permanent residents ofKarnataka State.

(3) They should produce 'Aadhar Card', Voter lD, Ration Card


(4) Annual family income from all sources should not exceed


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(5) The Project Reporti Quotation


(7) Applicants should possess Bank Accounts in the banks having

IFSC codes

(5). GANGA KALYANA SCHEI\IE

Under the Scheme, individual bore well will be drilled, pumpimotor

will be supplied and energisation rvill be carried out at a total unit

cost of Rs.2.00 lakhs(which includes loan component of Rs.50000/-

ifrequired) to the beneficiaries holding 0l acre and 20 Guntas to 05

acres of dry land. However, in the districts of Bangalore Urban/,

Bangalore Rural, Kolar, Chikkballarpur, Ramnagar and Tumkur

where the water table is very high, the unit cost will be 3.5 lakhs

which includes loan of Rs.50000/- . Similarly, construction of open

well and pump set will be supplied at unit cost of Rs.2.5 lakhs in

coastal districts.

Eligibilitv Criteria :

( I ) The applicants should belong to religious minority as defined

in the Government Order.

(2) They should be permanent residents of Karnataka State.

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(3) They should produce 'Aadhar Card', Voter ID, Ration Card


(4) Annual family income frorn all sources should not exceed


(5) They should be small and marginal farmers.

(6)Age of the applicants must be between l8 to 55 years.


having IFSC codes

(6) .LAND PURCHASE SCHEN,IE

Under the Scherne the Corporation will purchase Agricultural

Land and 02 Acres of dry land or 0l Acre of wetland will be

given to landless minority agricultural laboureres (fhnners in rural

areas. Unit cost of l0 lakhs includes 50% ofsubsidy and has to be

repaid within l0 years in half-yearly installments @ 6% p.a.

Eligibility:

( I ) The applicants should belong to religious minority as defined

in the Govemment Order.

(2) They should be permanent residents of Kamataka State.

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(3) They should produce 'Aadhar Card', Voter ID, Ration Card




(5) They should be landless agricultural labourers belonging to

minority communities.



having IFSC codes

Under the Scheme, interest Subsidy of up to Rs.l.00 lakh will be

provided to the housing Loan up to Rs.5.00 Lakh availed fiorn

Nationalised Banks/ Financial Instituitions.

Eligibility:

( l) They should belong to Christian Community

(2)They should be permanent residents ofKarnataka State.

(3)They should produce 'Aadhar Card', Voter ID, Ration Card

residence proof.

(4)Annual family income from all sources should not exceed

I .03 lakhs in urban areas and Rs. 81,000/- in rural areas.

lbr

Rs

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(7).SITE PURCHASE - CUNI _HOUSING LOAN INTEREST

SUBSIDY SCHEME (For Christians Only)

(5)Applicants should possess Bank Accounts in the banks having

IFSC codes

(8). CHRISTIAN COI\TMUNITY SPECIAL DE\'ELOPNTENT

SCHEME

Under the Scheme, interest subsidy for self-employment, 'Arivu'

Scheme,'Shramashakthi' scheme, Micro Loan with Subsidy

Scheme and Ganga Kalyan Scheme will be Sanctioned.

Eligibility:

( I ) They should belong to Christian Community

(2)They should be permanent residents of Karnataka State.

(3) They should produce 'Aadhar Card', Voter lD, Ration

Card for residence proof.

(4) Annual family income frorn all sources should not exceed

Rs. I .03 lakhs in urban areas and Rs. 8 I ,000/- in rural areas( In

respect of 'Arivu' Scheme, the annual income shall not exceed

Rs.6.00 lakhs.)


having IFSC codes

Irfi,

-I

\E\\ SCI I E}IES I ]\I PI-E \IE\TED FRO]\I 20 I 7.20 I 8

( l) Loan of Rs.40000/- l( which includes 50% subsidy)% 3%

interest per annum, will be sanctioned to the minority rural

women only fbr purchasing domestic animals like cow, sheep,

goat etc., fbr their livelihood.

(2) Subsidy of Rs.3.00 Lakh will be provided to the loan availed

from Nationalized Banks/Financial lnstituitions for purchasing

Taxi/ Goods vehicle.

(3) Loan of Rs.l0 Lakhs@ 5% u'ill be sanctioned lbr self-

employment purpose to the rninorities who become unernployed

after final exit from Gulf Countries.

(4) Loan of Rs.l0 Lakh @ 3% p.a will be sanctionedto the minority

fhrmers for purchasing modem agricultural equipnrents like

tiller, steel plough, weeding machine, pumpdet, tractor etc.,

(5)Under "Mane Malige" Scheme loan of Rs.5 Lakhs( which

includes5O% subsidy) @ 3% interest p.a u'ill be sanctioned to the

minorities who lost business establishment and dwelling houses

at the time of communal riots/ communal violence or natural

calamities, for their livelihood. Similarly. the above loan will be

sanctioned to the youth who are arrested by police under Goonda

act, Anti- terrorist Act or other security Acts and after many

Irfi_,

32

years are released by the Hon, Court without conviction and

become unemployed due to the 'stigma' attached thereto.

(6) (a) Loan ranging from Rs.2 Lakhs to rs. 5 Lakhs (which includes

Subsidy ranging fiom Rs.70000/- to Rsl.25 Lakhs) u'ill be

sanctioned through Bank for autornobile Shop.

(b) Loan ranging from Rs.2 Lakhs to rs. 5 Lakhs (which includes

Subsidy ranging liom Rs.70000/- to Rsl.25 Lakhs) will be

sanctioned through Bank for bidri work.

(c) Loan of Rs. 1.00 Lakh (which includes 50% subsidy)

@3%interest p.a will be sanctioned for manufacturing

Channapatna Handicraft ltems.

(d) Loan of Rs.l.00 Lakh (which includes 50% subsidy)

@3%interest p.a will be sanctioned for sericulture activities.

H[,

Eligibility:

( I ) The applicants should belong to religious rninority as

defined in the Government Order.

(2) They should be permanent residents ofKarnataka State.

(3) They should produce 'Aadhar Card', Voter ID, Ration

Card lor residence prooL


Rs. I .03 lakhs in urban areas and Rs. 81,000/- in rural areas.


having IFSC codes

JJ


With the assistance of the Corporation officials, we have checked

the percentage value of the target and the meeting of the target and

its result.

st.No.

NameScheme

of Allocation Utilisation Percentage

I 'Arivu'( Education

Loan) Scheme2s000 24826

CET Scheme 331 5

Total 28111 105.18%

) Margin Moneyfor Housing

2000 r403 51.15%

J Micro Loan andSubsidy

2.1000 16497 68.74%

4 SelfE,mployment

Scheme4000 2610 84.1%

5 Ganga KalyanaScher-ne

r930 3 r20 r08.72

68000 12126 94.67%

7 Land PurchaseScheme

r00 75 7s%

Total 6s030 63972 93.160h

T[fi]

3'+

'Shramashakthi'Loan Scheme

It can be seen be seen that the utilization pattem is rather erratic.

Only the 'Arivu' Scheme and the 'Canga Kalyana' Scheme can be

said to be successful. But we note that the Land Purchase Scheme

may not have been properly implemented, and the Covernment

may have to utilize the machinery of revenue to find out the actual

ground reality. There is no need for Welfare Schemes to become

Real Estate Schemes.

II. NON-SCHE]\IES:

T[fi*

sl.No.

Name ofScheme

Allocation Utilisation Percentage

I

MinorityFarmersWelfareScheme

1000 t]l 22.t0%

1

AnimalHusbandry

Encouragement

lScheme

2s00 I795 71.80%

3Mane Malige

Scheme100 0 0

IMinority Taxi

Drivers WelfareScheme

(Subsidy only)

500 357 7130%

) Train ing 680 506 37j6%

35

Encouragement&lnfrastructure

Scheme forAuto Service,Autornobile,

Bidri andStructureactivities

6Loan lbr Gulf

ReturneesJ-) li )).)J70

Total 481-1 2892 16.78,'1,

Purchase ofLand for

construction ofCraft Park in

Bidar andChannapatna

Grand Total 698J-l 66tt6.l 92.23"1,

Therefore, going by the approximate number of applications

received. it can be found that other than the 'Arivu' Scheme and the

'Ganga Kalyana' Scheme, we have already seen that the

Government being very liberal in funds and Moulana Azad

Building Scheme in many districts, there may not be much

difficulty in meeting the targets, especially now as there is a general

awareness.

Trtu

3(r

Therefore, we have checked up with co-related data related to

previous years :

Physical and Financial Achievement for the year 2013-14

(upto 31.03.2014)

sl.No

State SectorSch emes

TargetPhy'sical

Ta rge t

Financial

Amount

allocated inthe

budget

Amount

released from

theGovt.

l

Swavalambana Margin

Money Loan& Subsidy

Scheme

4000

4200

,)

'Arivu'( Education

Loan )Scheme

14.100 3600

.,)M icro Loanand Subsidy

2,1000 2400 2.100 2.100

4Ganga

KalyanaScherne

2300 4446 4446 4446

5

Shramashakthi LoanScheme

9000 1800 1800 1800

6InterestSubsidy

0 0 2500 2500

Irfi,

31

600

4500

Scheme forhousing

7Waiver of

loan1875 1875

Total(from 2 to 6)

53700 12816 11521 t't221

I

'Arivu'( Education

Loan) Scherne

JJJJ r000

-+000 ,1000

) ShrarrashaktiLoan Scheme

5000 r000

-)

M icro Loanand Subsidy

Schemer0000 1000

.1

InterestSubsidy

lScherne forhousing

133,1 1000

Total 19667 .1000 -1000 ,1000

Grand totalI+II 73367 168t6 21521 21221

I I l. \FI)Ir(' S('H I..Nt [_ :

1850

trfi,

38

II CHRISTIAN DE\lELOPNIENT SCHENIE :

sl.No

State SectorSchemes

TargetPhvsical

TarqetFinancial

Amount

allocated in thebudget

Amountreleasedfrom the

Govt.

I

Swavalambana Margin

Money Loan& Subsidy

Scherre

4'100

5900 5900

7

'Arivu'( Education

Loan)Scheme

16667 5000

JM icro Loanand Subsidy

24000 2400 2400 2400

,lGanga

KalyanaScheme

tfi00 2700 2700 2700

-)

Shramashakthi LoanScheme

il 105 2221 2221 222t

6

InterestSubsidy

Scherne forhousing

2500 2500 0.0 0.0

1Waiver of

loan283 5

Total (from2to6) 60172 15721 16056 t 6056

Ph-vsical and Financial Achievement for the 1,ear 2014-15

(Upto 31.03.2015)

Trfi,

-39

900

2835

II CHRISTIAN DEvELOP]\{ENT SCHENIE

III. NFDFC SCHEME :

2000

Iffi-

I

'Arivu'(Education

Loan ) Scheme

JJJJ 1000

-+000 ,1000

2ShramashaktiLoan Schenre

5000 1000

J

M icro Loanand Subsidy

Scheme

r0000 1000

4

lnterestSubsidy

lScheme forhousing

r334 I(XX)

Total t9667 ,1000 -1000 .t000

Grand totalI+II 80r39 19721 20056 200s6

.10

Ph1'sical and Financial Achievement for the l ear 2015-16

(upto 31.03.2016):

'l[fi,

sl.No

State SectorSchemes

TargetPh vs ica I

'f a rget

FinancialAmountallocated in thebudget

Amountreleased fromtheGovt.

I Srvavalanrbana MarginMoney Loan& SubsidyScheme

5000 r300

7500 7500l 'Arivu'(EducationLoan )

Scheme

t7661 s300

-) Micro Loanand Subsidy

2.1000 2.100

1 GangaKalyanaScherne

2000 3000

7000 70005 Shrarnashakt

hi LoanScheme

r0000 2500

6 InterestSubsidyScheme forhousing

0.0 0.0 0.0 0.0

Total (from2to6) 58667 1.1500 1.1500 I -1500

ll

II CHRISTIAN DEVELOP]\IENT SCHENIE :

III. NFDFC SCHEME :

r000

To understand the chart above and its implication for the people ofKamataka and especially to the minority the demographic pattern

of minorities in Karnataka needs to be looked into. The

infbrmation available according to the 201 I census for the various

districts are given below:

T fi,l

l 'Arivu'( EducationLoan) Scheme

JJJJ 1000

4000 4000

2 ShramashaktiLoan Scheme

.1000 r000

-) Micro Loanand SubsidyScheme

10000 1000

1 lnterestSubsidySchernehousing

for 133.1 r000

Total | 8667 {000 -1000 1000

Grand totall+tl 77331 r 8500 r 8500 18500

{l

I. BENGALURU URBAN:

District Population 9621 55 I

Population of Minorities19.27%

r855032

2. BE\'GALURU RURAL:

District Population 990923


99326

3. BELGAU]\I:

District Population 4719661Population of Minorities15.23%

128263

4. BELLARY:


311205

5. BIDAR:

District Population 1703300Population of Minorities23.65yo

402900

I fi,I

.13

6. \'t.lAYAPt rRA :

District Population 2177331Population of Minoritiest7.52%

38 r618

7. CHIKKAMAGALUR:

District Population lr3796lPopulation of Minorities11.62%

132236

8. CHITRADURGA:


l36ll0

9. DAVANGERE:

District Population t945497Population of Minoritiest4.29%

278 r r3

IO. GADAC:

District Population r064570Population of Minorities14.40%

t-si400

Trfi,

.l.l

I I. KALBURCI :

Districl Population 2566326Population of Minorities20.91%

536719

12. HASSAN :

District Population 1776421Population of Minorities08.0 r%

1423s1

I.3.HA\ E,RI:

District Population 1597668Population of Minorities19.44o/.

3 r0654

ll.Ht- Bl-r :

District Population IU4702lPopulation of Minorities24.19%

4468 t9

I5.KAR\l'AR:

District Population r438 r6ePopulation of Minoritiest7.33%

249237

.15

I[fir

I6. KOLAR:

District Population r 53640 r


104919

IT.NIADIKERI:

District Population 5545 r9Population of Minoritiest8.92%

104919

I8.NIANDYA :


9053 5

I9.},IA\GALORE:

District PopLrlation 20896,19

Population ol' Minorities32.70%

68466 t

2O.MYAORE:

District Population 3001 I 27


361118

Irfi,

16

2l.RAICHUR:

District Population r 928812289375

22.SHIMOGA :

District Population 1752753Population of Minorities15/6%

270939

23.TUMKUR:


260784

24.UDUPI:

District Population 1177361Population of Minorities14.23%%

167505

25.RAMNAGAR :

District Population 1082636Population of Minoritiest1.27%

122047

T[fil

41


26.}'ADGIR:

District Population I t7127 |


173837

27. BACALKOT:


28. CHIKKABALLAPUR:

District Population 1255104r538r8

29.KOPPAL:

District Population r389920Population of Minorities12.17%

I 69130

30. CHANIRAJ\AGAR::

District Population r 02079 r


7 5162

Total population of KarnatakaTotal Population of N{inorities15.71"

61093297

9600,175

Tffi

District Po ulation 1889752249177

.1tt


It is true that a demographic pattem need not necessarily ref'lect

social development. But otherwise, to be equitable, some co-

relation between population and the opportunities made available is

a must. We are not in a position to assess the economic ability of

minorities. But their representation in Govemment Service, we

could. But to add a word ofcaution. we had found that except for

Christians all other minorities are more involved in business that

Govemment Service or a job in any firm. So a partial fulfillrrent

may also be a sufficient indicator of progress.

We were unable to get the ratio of rninorities in Covernment

service but we were able to get the intbrrnation fronr Kamataka

Minorities Commission regarding the representation of minority

communities in Kamataka Covemment Undertaking which we

think will adequately cover the requirement :

Irfi_,

Tolal nunrber ol'persons employed

No. of employees ernployed o/o oflvorkin

ilN).

Name of thePublic SectorUndenaking/Board/Corporation CADRE Musli

lnschristians

Jains Sikhs Buddh ist

Total

0r09')')

u.t%6.20%5.56%

KamatakaSilk lndustriesCorporationI-rd-

Group-AGroup-BGroup-CCroup-D

03 09145395 02

l50l070't

1.44%Group-A 69 0l 0lKamataka

;19

Soaps &DetergentsLrd.

Group-BCroup-CGroup-D

403225'1

090i 03

09 2 7 9o/o

KamatakaVidyuthKarkhane Ltd.

Group-AGroup-BGroup-C(iroup-D

01ll5l9l

0302

0l0605

(j

I

,09%t.'7%.19%

l The MysoreElectricalIndustries Ltd.

Group-AGroup-BGroup-CGroup-D

053l53

3l 0l 0l 0.1 9.67%

l Mysore Paints& VamishLtd.

Croup-AGroup-BGroup-CCroup-D

0405il26 0l 02

7.69%

6 KamatakaStateFinancialCorporationLtd.

Group-ACroup-BGroup-CGroup-D

26853087

01t403

080l

020l

072405

2.61%4.52o/o

5.74%

'7 The HuuiGold N4 incsConrpanl Ltd.

Group-AGroup-BGroup-C(iroup-D

06170

2t321808

l9408336

06l748

t5515

-.i 8.1

IJ MysoreMinerals Ltd.


2726

405424

0l0t05

lt

020103

0I

0t03

l01.1

3.7%|5%

?.460/o

33%() Bangalore

ElectricalSupplyCornpany Ltd.

Group-AGroup-BCroup-CGroup-D

09l0l5r260

05

l0 0l05ll

3 .3lo/o4.23%

I

0HubliElectricitySupply

Group-AGroup-BGroup-C

323306),!l)

28576t2

03

045l

0'7

0632 01

3867696

|.7%21.8%21.6%

TM

50

u,03

t4.7%24.60/o

21.2o/o

Conrpany Ltd Group-D 5990 t0-10 63 l5 0-.] llll 8.'7%

KamatakaPorl erCorporation

Group-ACroup-BGroup-CGroup-D

401

I 8932r83365

09t3720742

0l309802

l.+

0t

l0r8l30644

,_.19%

).56%t4%l2o/o

I1

KarnatakaPou erTransmissionCorpn. Ltd

Croup-AGroup-BGroup-CGroup-D

265825821845730687

150

20917772539

3l28296256

l8l87072

I

I

I I

199

25621442869

.18o/o

.91%1.6%).34%

I

-)

MangaluruElectricitl'SupplyCompany Ltd.


2t7189

16603 307

090rl86

187

l00879'79

0I

06l1

20t2

t'71280

l:!lY;10.3%8A6%

I

4MangaluruElectricitySupplyCompany Ltd.


1753

3392995

03

0l1804

06

0l186

0.+

0I 0402

1990l0

5.19%3.77%5.86%10.5%

1

lD. DevarajTruckTerminalsLtd.


04*0l*

OI 0t 25%

ll 0l

0702

251 8

52

434%1.2.2%

6.7%t0.t%

I

6

KamatakaRoadTransportCorporation

Group-A(iroup-BGroup-CGroup-D

t6lr63

3'15645ll

03

0l2lt5

35

030l301

l6

0I

86

0l

GroupA tll 05 0l 0i t2I

IKamatakaStateBeverageCorporationLimited

(iroup-BGroup-CCroup-D

190

I

jMarketingCommunication&AdvertisingLtd.

Croup-AGroup-BGroup-CGroup-D

032tt203

0l 0l 0l 9.52%

8.5'7%I

l0l 0t 03

Tffi

5l

Group-AGroup-B

35Mysore Sales

Intemational

Linr ited Group-CGroup-D

148t,

0l0l

03

020l0l

060.1 ffk

2

0.lunulc [-odgcsand Rcsortsl-rd.


0l 0I

ll0i

( )-l

22ll {*

2

I

CauveriNeeravariNigama Ltd.


84388883441

02t'7

04

0l

OI

03

l41723 V*

l KarnatakaNeeravariNigam Ltd.

Group-AGroup-B(iroup-CGroup-D

ln473I39t626

t026lSlll5

0l0lt308

0i0,s

t703

I'l32

2il126

d.$%6.7 60/o

l5.l%20.1%

2

3

Dr. B.R.ArnbedkarDevelopmentCorporationLtd.


266096t'1

( ).1

0t02

0l06

I .660/0

625%

2.l

KamatakaRuralIn fiastructureDer elopmenlLrd.


138

150

370159

( )-+

l009I ..i

0t06

0t02

0l

04t217

t4

2.89%8%4.59%8.80%

l5

KamatakaStateIndustrial &InfrastructureDevelopmentLld.


1t26

0I

0t 0t

0t

2.13%

1.34yo

2

6KamatakaState SmallIndustriesDevelopmentC'orporationLtd.


493875

t7

020t040t

0t0l0t

0302050l

6.12%5.260/o

6.66%5.88%


06t433 OI

02 0l0l

14.2o/o

3.3o/o

KamalakaCashewDel elopnrent

TM

52

l006245315

ll08

0lr229l9

CorporationLrd.

Group-D l2

2

8

KamatakaComposlDevelopmentCorporationLtd.


0l

12

l0

2

9KamatakaFood & CivilSuppliesCorporationLtd.


0323672I l3

4005

070l

02

0l024806

I .69%.14%.3%

J

0KamalakaStateAgriculturalProduceProcessing &ExportCorporationLrd.


-)

I

KamatakaState Seeds

CorporalionLtd.


30t4t0328

0t 0l

0-+

).) )7o

3.rJ8%

I

3

2Group-AGroup-BGroup-CGroup-D

0t0l050t

KamatakaState ForestlndustriesCorporationLrd.


68 03 0l 0.,1 5.88%

J

4

Der. araj URSBackrvardClassesDevelopnrentCorporation

(iroup-AGroup-BGroup-CGroup-D

0425

4902

02 0l 12%

KamatakaFisheriesCorporation


05

0473 03 4.1%

Irfi,

53

0.1

KarnatakaTogariAbhivrudhiMandali Ltd.

03

03

Lrd CiroLrp-t) t1 OI 0l I03 \.4"/o

3

6

KamalakaWonrenDevelopnrentCorporationLrd


0.1

360.1

-1

7

KanralakaStateHandicraftDevelopmentCorporationLtd.

Group-AGroup-BGroup-C'Group-D

0604494i

0l

02

0i0r03

0t

0l

0.1

06

il;ti

KamatakaState TextileIntiaslruclureDevelopnrent

Group-AGroup-BGroup-('Group-D

0.1

040rl02

0l 0l 0l 50%

JI

KamatakaStateWarehousingCorporation

GroGroGroGro

up-Aup-Bup-cup-D

l63424104

I 0l0l0l

0ll5

-1

0S hreeKanteervaStudious Ltd.


0t

06

-1

I

KamalakaState PoliceHousing &ln frastructureDer eloprnentCorporationLrd.


06

19t5

0l

01 0l

0l 0i

08

50%

16.3%

4

2

KarnatakaStateElectronicsDevelopmentCorporationLtd.


05

286903

0l 0l02

0l02

10.7%2.89%

Tffi,

5-1

2.94%6.14o/o

Note Sheet: Volume-I

Para-l to 9

The cheques in lieu of release of margin loan arnount were being

sent to the banks directly, and one copy was being sent to the

District Officers. But, banks were not keen on collecting the Letter

of Undertaking and Pro-note. Therefore, out of said documents only

25% used to be placed before the Auditor General during the Audit

process. Now, if the said responsibility is entrusted to the District

Of'ficers and if the said officers collect the Letter of Undertaking

and the Pro-note on the bond paper and send to the Corporation, it

will facilitate the recovery of Margin loan amount, also this will

help district officers to implement the scheme effectively.

Therefore, order was sought as to whether the cheques to be sent to

the Bank or the District Officer.

MD ordered approving the sanre on 25.06

TM

55

We were issued with bundles of photo copies of note sheets. We

had, therefore, translated it and subjected them to an assessment as

to relevancy and juncture. We could find only a few among them

to have a juncture to the subject in hand. But as they appeared to

be proximate to the Corporation and they deerned it all to be

relevant. we herewith examine them and issue our views on the

matter:-

Margin loan amount 25% towards share capital and 25oh towards

the subsidy was released to every district except for Bangalore

Urban District.

Nationalized banks have kept the applications received under the

Swawalarnban loan scheme, without disposing them of I M LAl

MLCs have objected the same. Letter was written to CEO to issue

suitable orders.

We had asked as to why the subsidy amount released had to be

transferred to the share capital. But no good response was to be

had.

Regarding releasing the balance amount of subsidy to village in

Kolar district as per the letter of Hon'ble Minister.

Para-34 to 43:

Regarding seeking approval for transferring funds from Subsidy

Account to share capital account.

Approved.

tr[fir

56

Para-10 to l2:

Para-13 to l6:

Para-17 to 33:

The limits of loans enhanced with respect ol Swawalamban Scherre

from Rs. I lakh to Rs. 5 lakhs. letter rvritten to CEO.

Para-S I -53:

During the period between 1.3.99 and 31.5.99 margin amount and

subsidy was being released frorr the share capital account. But,

now the subsidy account is separate, therefore transfer accordingly

is effected.

This is also an area where proper financial regimentation is

required.

Para-54 to 58:

Releasing funds to District Officer, Bengaluru Urban district

Letter written to RBI query regarding considering 70 cases of

previous year as auto rickshaw permits were stopped.

We could not get the copies of R.B.l. letter. But it seems to be

significant.

57

Para--l-1-50:

Para-59 to 6l :

Trfi,

Letter was received from the govemment seeking for providing

clarification regarding issue of passbooks to the beneficiaries and

approval or disposal of margin money loan application forms.

Communicated accordingly.

Para-68-72:

Clarification was sought regarding the loans extended towards the

auto rickshaws. Letter written to DO, BCM (U).

Subsidy amount was released from the share capital account from

the Corporation. This appears to be a matter for C.A.C or

Covernment Audit.

The details of transfer of subsidy amount to the share capital is as

fbllows:

T fi,l

.lune 99 1450100

July-99 16.17500

August -99 60000September-99 768000

October -99 I 186590N ovember-99 237903 8

Decernber-99 908500839972 tl

Transferred.

58

Para-62 to 67:

Para-73 to 76. Para-11 to 82

Subsidy amount uas released fiom the share capital account tiomthe Corporation. Now the details of transt-er of subsidy amount tothe share capital is as follows:

January 2000 r307s00February 2000 r642500August 2000 29s0000

Para-8g ro 90

Subsidy amount was released fiom the share capital account from

the Corporation. Now the details of transfer of subsidy amount to

the share capital is as follows: Rs. 1532400/- March-2000

Transferred.

Subsidy amount was released fiom the share capital

account from the Corporation. Now the details of transfer ofsubsidy amount to the share capital is as fbllows: Rs. 1532400/-

March-2000

Transferred.

Trfi,

59

Para-S3 to 88

Transferred.

Para-S9 to 92

Para-93 to 95

Subsidy amount was released fiom the share capital account fiom

the Corporation. Now the details of transfer of subsidy an'lount to

the share capital is as follows: Rs. 452500/- April May -2000 and

Rs. 230000/- June-2000

Transl'crred.

Para-96 and 97

Letter was received from RBI on 29.08.2000 regarding disposal of

applications by the banks.

Para-98

During the years 1998-99 and 1999-2000, subsidy and margin loans

is being released though bank cheques. The period available for

encashment ofcheques was only 6months. Sonre ofthe banks u'ere

not able to distribute the cheques to the beneflciaries which were

returned to the Corporation. As per the Companies Act, the cheques

received back without encashment shall be shown as funds received

back. This amount was adjusted in the accounts and total amount

received in this manner is as follows.

I[fir

6t)

April 98 to Sep 98 22 r 8"r30

Oct 98 to Sep 99 1781975Oct 99 to Jan 2000

40.00,405/-

\\ e' hrrtl uskcd rr hr cltcrlLtes rrortltl nol he etrcrtslterl u illrirr 6

lttortth: l-rcriorl. \\'e cottltl rtol gcl :ittt:lite lrttr re plr. l)t'trl.ruhlr tltc

(iorclrrrrtent shoultl lotll'. into lhis. \o hcntllcirtrr sill lrc

Lrrtrr illirr! t() lcccPl chct;ttcs lirt'(r nrortllr..

Para-99:

Make proper entries in the account ledgers. The accounts of those

beneficiaries have to be released who have not availed the same.

Take the amount to the accounts by cancelling the cheques.

The identity of the beneficiary has to be properly verified and the

ground level officers must regularly monitor.

Para- 100 to 103


the Corporation during the period between 1.7.2000 and

31.10.2000. Now the details of transf'er of subsidy amount to the

share capital is as follows:

I[fi]

6t

July 2000 923500September 2000 80000August 2000 2080750October 2000 r764500

48487s0

Transf'erred

Para- 104 ro I l0

Subsidy amount was released tiom the share capital account fiom

the Corporation during the period between 1.11.2000 and

31.12.2000. Now the details of transf'er of subsidy amount to the

share capital is as follows:

Novenrber 2000 2050000Decernber 2000 253 8500

45tttt500

Transl'erred

I[fi]

6:

Note Sheet: \'olume- I I

Para-l to 7

Subsidy amount was released from the share capital account fiom


the share capital is as follows: Rs. 13,00,000/- April-06 Rs.

2700001- May-06 Total is Rs. 1570000/-.

Transferred.



the share capital is as follows: Rs. 3,,l0,000/- June-06

Transferred.

Para- I 2 l,l

Subsidy amount was released fionr the share capital account fronl

the Corporation. Now the details of transf-er of subsidy amount to

the share capital is as follows: Rs. 8,45,000/- July-06

Transferred.

Tffi

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Para-8 to I I

Para- l5 to I 7

Letter written to clarify that whether the subsidy amount is

maximum Rs. 50001 or 20o/o for the Unit expenses of Rs.

I,00,000/- being provided under the Margin loan and subsidy

scheme by the Corporation.

Subsidy amount was released frorn the share capital account fiom


the share capital is as follows: Rs. 45,60,000/- Aug-06

Transf'erred.

Para-23 to 25

Matter concerning some claritlcation (lrrelevant to the rnatter of

loan and subsidy)

Para- 26 to 28

Letter written to CEOs regarding the declined progress in achieving

the targets under Swawalambana, Subsidy, GKY, Sharrnashakti,

Arivu and Land purchase schemes.

Tlil

6.1

Para-18 to 22

On these, our queries remain unansrvered. We had thereby

requested lor performance audit report. However, the Corporation

replied that report about employees were confidential reports.

Para-29 to 32:


the Corporation. Now the details of transt-er of subsidy amount to

the share capital is as follows: Rs. 17,50,000/- Sep-06 Rs.

33,75,000/- Oct-06 Total is Rs. 51,25,000/-.

Transf'erred



the share capital is as follows: Rs. 32,40,000/- Nov-06

Transf-erred.

Para-38 to 42:

Subsidy amount was released fiom the share capital account frorn

the Corporation. Now the details of transler of subsidy amount to

the share capital is as fbllows: Rs.64,45,000/- Dec-06

'I fi-tl

Transferred.

65

Para-33 to 37:

Para-43 to 48

Subsidy amount was released fronr the share capital account fiom

the Corporation. Now the details ol transf'er of subsidy amount to

the share capital is as follows: Rs. I 1239000/- Jan-07 and Feb-07

Paru-4g to 52:



the share capital is as follows: Rs. 12757500/- Mar-07

Transt-erred.

Para-53 to 54:

lrrelevant (Govemment

information )

colllltlu lt lcat rorl regarding sonlc

Letter written to the govemment regarding waiver of interest under

the Swavalambana scheme.

Irfi,

66

Transt-erred.

Para-55 to 57:

Para-58 to 64

Irrelevant (Sorne communication fiom the banks regarding release

ol t-unds)

After para 64 on page 8 ofnote sheet on page 9 it continues directly

to para-66 and then to para 67 then once again after para 67 there is

para 64

Therefore,

From para-66 to 64 to 65 as per the note sheet,

Subsidy amount was released fiorn the share capital account from


the share capital is as follows: Rs. 26,87,500/- April-07 to July-07

Transferred.

Once again it starts from Para-65. theretbre,

lrrelevant information (Regarding query by ICICI and HDFC banks

about auto rickshaw loans)

Para-71 to 73

Inspector, Cubbonpark Police Station visited the Corporation on

14.09.07 on the complaint of MD, and sought lor information.

Irfi,

67

Para-65 to 70

We could not get further information on these issues.



the share capital is as follows: Rs. 736000/- Aug-07

Transt'erred.

Irrelevant information (Regarding nominating CEO as Chairman of

District Level Implementation Committee)

Para-86 to 88

Letter is placed for approval for implementation of Swawalambana

scheme through Amanath bank.

There was some issue with this Bank. Matter could not be

clarified.

Irrelevant infbrmation (Regarding norninating CEO as Chairman of

District Level Implementation Committee)

T ill

6l{

Para-73 to 7-5

Para-76 to 85:

Para- 89 to 92

Irrelevant information (Bangalore district not achieving the targets

of Swawalambana scheme).



the share capital is as follows: Rs. 62,60,000/- Sep-07 and Rs.

55,55,000i- Oct-07

Transferred.

Para- 100

Irrelevant information (Regarding non-release of loans by SBH)

Para- I 0l - I 02 are missin

Para-103 to 107:

lrrelevant information (Regarding reducing interest rates)

Para- 108 to I 13

Irrelevant information (Regarding letter communication to SBH

bank)

T fi_,l

69

Para-93 to 95

Para-96 to 99

Para- I 14 to I l7

Subsidy amount was released fiorn the share capital account from

the Corporation. The details of transf'er of subsidy amount to the

share capital is as follows: Rs. 13.530.000/- Nov. Dec and Jan-08

Transf-erred.



the share capital is as follows: Rs. 28,2 I 18001 Feb and March-08

Transl-erred.

Para-122 to 125



the share capital is as follows: Rs. 54,60,000/- April, May and June-

08

Transf'erred.

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70

Para-l l8 to 12l

Para-126 to 129

Subsidy amount was released fionr the share capital account fronr

the Corporation. Now the details of transf'er of subsidy amount to

the share capital is as fbllows: Rs. 60,60,000/- July and August-08

Trarrsf-erred.

Para-130 to 143

Relevant infbrmation (Regarding Deputy Cornrrissioner as the

Chairman of Committee and objections raised by the Hon'ble

Minister regarding considering proposal by the District Level

Comrnittee as per the rules).

But we \\,ere unable to get tull intbrmation on this.

Subsidy anlount was released fiom the share capital account frort

the Corporation. Now the details of transfer of subsidy arnount to

the share capital is as follows: Rs. 62,65.000/- Sep to Dec 08

Transf'erred.

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71

Par^ 144 to | 47

Para-148 to 150

Irrelevant

Sanrithi).

inforrnation (Regarding letter of Muslinr Sangharsha

No t'urther material is available.

Para-l5l to 154

Subsidy amount was released frorn the share capital account from


the share capital is as follorvs: Rs. 1,39,45,000/- Jan to March 2009

Transferred.

Para-l5l to 153

Subsidy amount was released fiorr the share capital account fiorn


the share capital is as fbllows: Rs. 1,39,45.000/- Jan to March 2009.

Para- I 54

Transferred Rs. 50,00,000/- tiorn the subsidy account.

Letter written to districts returning the proposals received in excess.

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72

Para-155 to 156

Para-157 to l6l

Letter written to the districts infbrnring their tar-eets.

Para- 162 to 165

Subsidy amount rvas released from the share capital account tiom


the share capital is as follows: Rs. 5675000/- April to Novernber

2009

Translbrred.

Para- 166 to 169

Subsidy amount was released lrom the share capital account from


the share capital is as follows: Rs. 3440,000/- December and

January 2010

Transl-erred.

Para- I 70 to 174



T[0*

13

the share capital is as follorvs: Rs. 4895000/- February and March

2010

Transt-erred.


the Corporation. Now the details of transf'er of subsidy amount to

the share capital is as follows: Rs.32,50,000/- April l0 to October

201 0.

Transl'erred.


the Corporation. Now the details ol transfer of subsidy amount to

the share capital is as fbllora,s: Rs.21,80000/- February 201 I

Transl'erred.

Irrelevant information (Regarding increasing the subsidy amount

from Rs.5000/- to 10,000/-)

'r[fi,

14

Para-175 to 182

Para-183 to 188

Para I 89 ro l9l



the share capital is as follows: Rs. 8762500/- April 20ll to October

20t l.

AO: Please put up Bank pass sheets along rvith copies of FDRS

Para- I 94

As per the para 193 order, it is as shown below. Subsidy bank

balance as on 25.ll.ll Rs. 10805695/- and FD deposit is Rs.

1,90,00,000/-

Rs. 12,62.500/- rnay be permitted to be transferred to the share

capital account this amount has been spent from the capital account.

As perthe order in Para 196 it is rnentioned as belorv Rs. 75000001

vide cheque No. 848927 dated l3.l0.l I

T ill

75

Para- 192

Para- 193

Para 195 to 196

Para 197

Rs. 1262500 vide cheque No. 848930 dated l2.l2.l l.

Para- 198 and 199

Irrelevant information (letter to the government)

Para-200 to 216

lrrelevant information (Regarding increase in subsidy to

Rs. 25,0001). Regarding release of Rs: 4900.00 Lakhs and 4'h

installment olgrants letter is put up.

I rrelevant inlbrmation

Para-229 to 255

Regarding proposal by Dr. Ambedkar Development Corporation in

connection to grant the seed funds.

Paru-256 ro 257

Regarding modification lrorn Swawalambana rnargin loan and

subsidy scheme to "Subsidy scheme under voluntary employment".

Tlil

76

Para-2 l7 to 228

Regarding receipt of proposals from the districts for release of

grants.

Para-21 I to279

Proposals have been submitted to the Corporation without taking

approval tiom the District level selection committee fbr the year

2016-17 , file is placed to retum the proposals.

On these. f'urther rnaterial is not available.

The matter of transferring the targets of the districts which have not

achieved to the districts who have achieved the same was placed

before the Board of Directors meeting dated 01.02.2017, file is

placed for approval.

As per the para 285, the target fbr the State of Kamataka is

Rs. 16.00 Crores under the Swawalambana loan scheme and

achievement is Rs. 16.05 Crores. Therefore, the proposals received

after 2l .03.2017 as per this of fice letter No.

KMDC/Swawalambanal20l6-171944 dated 16.03.2017 are kept

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77

Para-258 to 270

Para-280 to 285

Para 286 to 296:

pending in this ofl'ice as the state has achieved the target, following

the GO No. MWD 60 MDC 2016, Bengaluru dated 27.10.2016.

Swavalambana margin loan and subsidy scheme has been rnoditled

as Voluntary Employment Scheme. This scheme is being

implemented with effect fiom 2017-18. Theretbre file is placed for

t'urther orders by drafting the letter to retum the proposals

pertaining to the year 2016-17 and also to subrnit them once again

as per the rules following the guidelines issued under GO No.

MWD 60 MDC 2016, Bengaluru dated 27.10.2016.

Approved by MD

Para- 296 to 302

Under the Voluntary Employment Scheme for the year 2017-18

physical targets fixed for the districts have been allotted district-

wise following the Census-201 I , also it was instructed to allot the

block-wise targets to District Manager. Constituency-wise targets

were prepared.

It may be noted in this connection that these photo copied note

sheets are independent and connected papers are not available.

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'78

KM DC Letter dated 29.08.201 7

Regarding fixing the physical and flnancial targets under the

voluntary employment scherne fbr the year 201 7- I 8- Under the

Voluntary Employment Scheme district-wise targets allotted as per

the Census-201 I and it is instructed to submit the Assembly

constituency-wise targets fixed to the central office.

KMDC letter No. 1255 dated 27.07.2017

As the state has achieved the targets of Rs. 16.00 Crores for the

year 2016-17 and state has achieved the target, Su'awalambana

margin loan scheme is modified as Voluntary Ernployment subsidy

scheme.

Letter dated 20.01.2017

To, MD. KMDC by District, Manager. Belagavi District

List of beneficiaries, order copy, bank sanction letters are enclosed

and submitted.

Letter dated 15.07 .2017

To, MD, KMDC by District, Manager, Mysore District

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19


and submitted.

Letter dated 23.05.20 I 7

To, MD. KMDC by District, Manager, Bidar District

List of beneflciaries, order copy, bank sanction letters are enclosed

and subnritted.

Letter dated 23.05.201 7

To, MD, KMDC by District, Manager, Bidar District


and submitted.

To, MD, KMDC by District, Manager, Koppal District


and submitted.


To, MD, KMDC by District, Manager. Koppal District

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List of beneflciaries, order copy, bank sanction letters are enclosed

and submitted.


To. MD, KMDC by District, Manager, Raichur District

List ol beneficiaries, order copy. bank sanction letters are enclosed

and submitted.

To, MD, KMDC by District, Manager, Belagavi District


and submitted.


To, MD, KMDC by District, Manager, Belagavi District


and submitted.

To, MD, KMDC by District, Manager, Mandya District

Irfi,

8t


Lettcr dated 20.03.2017


and submitted.

To, MD. KMDC by District. Manager, Koppal District


and submitted.

To, MD, KMDC by District, Manager. Koppal District


and submitted.

Letter dated I 8.04.201 7

To, MD, KMDC by District, Manager, Koppal District

To, MD, KMDC by District. Manager. Koppal District

'l[fu

8l




and submitted.


List ofbeneficiaries, order copy, bank sanction letters are enclosed

and submitted.

To, MD, KMDC by District, Manager, Dakshina Kannada District


and submitted.

To. MD, KMDC by District, Manager. Bangalore Urban District


and submitted.


To. MD. KMDC by District, Manager. Bidar District


and submitted.


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ti.l


Letter dated I L03.201 7



and submitted.

To. MD, KMDC by District, Manager. Bidar District


and subnritted.



and submitted.

To, MD, KMDC by District, Mana-uer, Bidar District


and submitted.



and submitted.

Tffi

tt.l



Letter dated 27 .03.2017

Letter datcd 27 .03.2017

Lctter dated 2t1.03.20 I 7

To, MD, KMDC by District, Manaser, Bidar District


and submitted.

To. MD, KMDC by District, Manager. Bidar District


and submitted.


To. MD, KMDC by District. Manager, Bidar District


and submitted.

To. MD, KMDC by District. Manager. Bidar District


and submitted.

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85


[.etter dated 5.04.201 7




and submitted.

Letter dated I 6.01 .201 7

To, MD. KMDC by District, Manager. Bidar District


and submitted.


To. MD. KMDC by District. Manager. Bidar District


and submitted.




and submitted.

T fi,l

ll (r

Letter dated I1 .04.2017

To, MD, KMDC by District. Manaser. Bidar District


and submitted.

To. MD, KMDC by District, Manager, Davanaqere District


and submitted.

To. MD. KMDC by District" Manaser, Davanagere District


and submitted.


To, MD, KMDC by District. Manager. Davanagere District


and submitted.

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87


Lerrer dated 27.03.201 7

Letter dated l7 .04.2017

To, MD. KMDC by District, Manager, Davanagere District


and submitted


To. MD, KMDC by District. Mana,qer. Dal anasere District


and submitted.


To, MD. KMDC by District. Manager. Hubli-[)haruad


and subrnitted.

To, MD, KMDC by District, Manager, Chikkaballapur District


and submitted.

TM

88

Lettc-r dated 30.03.201 7

To. MD, KMDC by District. Manager. Bagalkot District


and submitted.

To. MD, KMDC by District, Manager. Bagalkot District


and submitted.


To. MD, KMDC by District, Manager, Bangalore north District


and submitted.

To, MD, KMDC by District, Manager, Kunigal


and submitted.

T[fi]

t(9


Letter dated 3 1.03.201 7

Lettcr dated i I .03.201 7

Le rter dated 3 I .03.20 I 7

To, MD. KMDC by District. Manaser. Kunigal


and submitted.


To, MD, KMDC by District, Manager. Yadgir


and submitted.

To, MD, KMDC by District. Manager. Yadgir


and submitted.

To. MD, KMDC by District, Manager, Yadgir


and submitted.

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90

Lctter dated 28.04.201 7

Lctter datc-d 28.04.2017

-fo, MD, KMDC by District, Manager. Yadgir


and submitted.

Letter dated I 1.05.2017

To. MD, KMDC by District, Manager, Yadgir

List of beneficiaries. order copy, bank sanction letters are enclosed

and submitted.

To. MD, KMDC by District. Manager. Yadgir


and submitted.

To, MD, KMDC by District, Manager, Yadgir


and submitted.

II[*

9t



Leuer dated i0.05.201 7


To. MD. KMDC by District, Manager, Gulbarga


and submitted.

To, MD, KMDC by District. Manager. Gulbarga


and submitted.

To. MD. KMDC by District. Manager. (iulbarga


and submitted.

To, MD, KMDC by District, Manager. Bangalore urban district


and submitted.

TIfi,

9l

Le tter dated 03.06.20 I 7


Letter dared 12.01.2011

Letter of the Covemment (Department of Minorities Welfare, Haj

and Wakf', GoK) No. MWD 98 MDC 2016 dated 02.03.2017

tiom Secretary to the Govemrnent to Managing Director KMDC

Seeking to submit report to the govemment as to which MLA

constituency list has not been received with respect to the loan

sanctions.

Transferring the targets to other districts rernaining under the

Swawalamban margin loan scheme.

Regarding implementation of modification of Su,awalanrban

margin loan scheme as Voluntary Ernployment Scherne with effect

fionr 2017-18 as in 2016-17.

Letter of KMDC dated 12.12.2016

Secretary to the Govemment, (Department of Minorities Welfare,

Haj and Wakf, GoK).

T ill

93

Letter ol' KMDC datcd I 6.03.201 7

GO No. MWD 60 MDC 2016 dated 03.01.2016

Requesting for pennission to implement the Su'au,alamban margin

loan scheme as Voluntary Employment Scheme with effect from

2017-18 as in 2016-17.

Letter of KM DC dated 09.08.201 6

To all the District Managers- indicating that proposals are not

received as per the government orders. it is instructed to subrnit

proposals only upon due approval by the Selection Comrnittee.

To the Secretary to the Govemment, (Department of Minorities

Welt'are, Haj and Wakf, GoK)

Letter is written seeking fbr permission to revise the Swawalamban

Margin Loan and Subsidy scheme in the manner being

irnplemented by Dr. B. R. Ambedkar Development Corporation and

Maharshi Valmiki Scheduled Tribes Development Corporation as

tbllows

l. 50% subsidy for the entrepreneurial activities under the Unit

Expenses below Rs. I Lakh or up to Rs. 35,000/- maximum

limit.

T fi,I

94

Letter ol' KM DC dated 09.08.20 I 6

2. 33% subsidy tbr the entrepreneurial activities under the Unit

Expenses above Rs.2 Lakh or up to 33% ofUnit expenses

Proceedings of Govemment of Kamataka dated 04.09.201 3

(lrrelevant- Regarding enhancement of subsidy of Dr. B. R.

Ambedkar Development Corporation and Kamataka Maharshi

Valrniki Scheduled Castes Development Corporation).

Proceedings of Governrnent of Kamataka dated 20.06.201 4

(lrrelevant- Regarding implernentation of schenres of Dr. B. R.

Ambedkar Development Corporation and Kamataka Maharshi

Vahniki Scheduled Castes Development Corporation).

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95

CONSTRAINTS FACED BY MINORITIES

It is a well known fact that the educational attainment among a

large portion of minorities in India is comparatively lower. This is

because of the non-availability of adequate educational facilities in

terms of the schools that provide education through their nrother

tongue. Besides, the minority community children who come

through their mother tongue medium of schools face the problem of

lack of continuity of the same educational stream.

After completing their primary / elementary education in their

mother tongue , these children tend to drop out of school/college

education on account of non-availability ol high schools and

colleges which provide instruction through the medium of their

own languages. That largely explains why drop-out rates are very

high among the children of minorities, especially Muslims.

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96

Lolv Educational Status :

According to the 201I census, they constitute a sizable 14.2% of

the Indian population. However, despite their numerical strength.

the Muslim Community is the most backward arnong all the

minorities both in terms of education and economic rneans.

Empowennent of this community rernains a continuing challenge

ever since independence.

ln India, there are trvo models fbr enrpowerment of a rninority

community. One model is through economic developnrent like the

Sikhs ol Punjab through mechanization of farming and business

activity . Another model is through focus on education like the

Christian community, who have set up rnany educational

Institutions, thus enabling them to get quality education.

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91

Minority Communities occupy a special place in the developnrent

of India. They constitute around 20% of the population and fbrm

an integral part of lndia's growth trajectory. Among the six

minority communities-Muslims, Christians, Sikhs, Jains. Parsees

and Buddhists-- the Muslim Community accounts for around 72%

ol the total population of minorities.

In the flrst model, the Sikhs of Punjab first made themselves

economically strong by industrializing their areas and later

established technical institutions to educate their own cornnrunity

children to advance their econornic interests. Owing to well-

planned educational and economic policies, the Sikhs now have a

substantial number of skilled labourers. businessmen and

industrialists all over India who can take up the cause of the

cornmunity not only within India but also in the international

forums. The industrial hub ofPunjab makes products for national

and export markets, ensuring economic prosperity and thereby

empowering their community in the process.

In the second model, education serves as a tool for empowerment

of the community. The Christian community has been occupying a

higher status in education, much better than any other community.

They, therefore, have better representation in the decision-making

and implementing bodies of the country. The best managed

educational institutions at all levels are still in the hands of this

community and the intellectuals coming out of their institutions are

well recognized both within and outside lndia.

In the current scenario, the Muslim Cornmunity does not have a

significant share in agriculture or industrial production No doubt,

a few Muslims are into business and wholesale trade. But a

substantial number of Muslims are in the small retail sector.

T[fi-

98

Hence, empowering them through the economic development route

can only be a distant possibility. We need to emphasize education

as the key to their empowerment. In addition, educations will

serve as a means for their social development as well.

Unfortunately, the Muslim comnrunity as of now does not have

significant educated population. Even among the educational

lnstitutions run by and tbr the minority communities, the quality of

the education in the institutions meant for Muslims does not

compare well with those of the other minority communities.

The data from Govemment and private researchers show that at

every level of education in terms of paranreters u hether it is caste-

rvise. incorne-wise or gender-wise, the Muslirn Comrnunity is

behind all other communities. Sorne studies. however, indicate

another peculiar f'eature. At the primary level of the Muslirr

Community is as good as the others whereas moving at higher and

higher levels of education. they become nrore and rrore behind the

others. Let us look at this paradox and identify the underlying

issues leading to the low quatity of the education now available to

the Muslim Community as well as the steps taken by the State to

deal with them. Hopefully that should help us to suggest a few

strategies to improve the situation in the near future.

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99

There is also a comnron belief that Muslim parents feel that

education is not irnportant for girls and that it may instill a wrong

set of values in them. Even if girls are enrolled, they are

withdrawn at an early age either to look after their siblings or to get

rnarried off. Evits ofearly marriage and the tendency to have large

I'arnilies do result in cases of early dropout among their girl

children.

Yet another reason attributed to the low level of education among

the Muslims, especially at the level of high school and college

levels, is poverty and the lack ofresources. The circle offinance in

modern days moves on interest rates whereas interest is strictly

prohibited in Islam. This curtails the availability of funds for

establishing institutions for the benefit of Muslirns by the Muslims.

The religious leaders will have to come up with an acceptable

solution tbr the establishment of a financial system that can cater

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100

The problem also lies in non-availability of schools within easy

reach for girls at lower levels of education. absence of girls'

hostels, absence of female teachers and availability of scholarships

as they move up the education ladder. As a consequence, Muslim

women end up with lower educational attainments than men and

this has resulted in a vicious circle of the younger girls not getting

adequate support to pursue higher education.

to the needs of the modem day Muslims. In the absence of any

special allocation of funds, the poor Muslirn children will have to

compete with others for scholarships and even admission to

institutions of repute. The quality sut-ters in the bargain.

Finally lack of awareness among the Muslirns themselves has been

a major cause responsible for their lou' status in education. There

is very little recognition of the fact that education, particularly of

women can lead to their empowennent, particularly among the

middle and lower strata of the Muslim society. The response of

the community for the access of higher education to both men and

women from the community has been lukewarm. With the result, a

large section of ordinary Muslims has not understood the power of

education and pulls through with the little income he is getting

through the businesses he is engaged in. In a highly competitive

nrodern society, the voice of the powerful in the Muslirn

community does not appear to be strong enough to reach either the

powers that be or the poorer sections among the Muslims

themselves.

While the number of Muslim girls getting enrolled into the schools

has been slowly increasin-e over the years, it is true that many of

thenr drop out midway. Unfortunately. sonre of them get married at

a very early age and some others are fbrced to take up maintenance

T[fi]

l0i

roles within the households, especially when they are a part of a

Iarge family.

We cannot change this without the active cooperation of the

community and the only way to deal with this is through awareness

creation leading to a behavior change. While Govemment may not

be the ideal agency to promote behavior change. this role can be

taken up by the community and the non-govemment organizations.

Fortunately, the mosques have been an integral part of the Muslim

culture and the religious preachers can play an active role in

ensuring this behavior change. In fact, the religious preachers are

the ideal persons to make a poor Muslinr to realize the importance

of education and how they can be ernpowered through education.

The government can also support better enrolment of girl children

by opening "girls only" schools and ensure that facilities such as

drinking water, toilets etc., are made available to them without fail.

The maintenance of these facilities can be entrusted to the local

community, the school development committees or the Self-help

groups.

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102

Online courses could be developed for vocarional education for the

benefit of girl children who are compelled to stay at home for

reasons beyond their control so that they can also be usually

educated and employed. Such courses rnay be open to all other

children who have dropped out of their schools as well as willing

adult Muslims who are eking their livelihoods through retail/srnall

business now. lnclusion of courses on entrepreneursh ip will

enhance their career prospects as u'ell.

There exists a need for integrating the children studying in the

minority community educational institutions with the rest of the

community. Conscious efforts must be made to teach them the

local language and culture. Encouraging them to participate in the

local sports and cultural events will also help building in them the

necessary competitive spirit. In addition, as a matter of policy,

these institutions must enroll at least l0o% of students belonging to

communities other than the one that runs the institution. Such a

move will foster better inter-community understanding.

As a matter of policy, the minority educational institutions must

enroll a given percentage of students belonging to cornmunities

other than the one running the institution. This will foster inter-

community understanding and prevent paroch ialisation of the

institution.

l0-'l

W

The State Level bankers conference in its 140'h rneeting has placed

the following data on the performance of the Kamataka Minority

Developrnent Corporation :

Kamataka Minority Dev.Corpn. (KMDC)

Target Ach ievement Percentage

a) SEP Scheme (Unitcost upto Rs.l.00lac)

3000 650 21.7%

b) SEP Scherne (Unitcost above Rs. I .00lac)

1000 r578 157.8%

500 2u9 s7.8%

d) AutomobileTraining & Loan

l(x) 0 0

e) Bidari Crafi Loan( For Bidar Districtonly)

t80 0 0

Total .1780 180 52.7"

But then, on a comparison, D. Devaraj Urs B.C. Development

Corporation under the Chaithanya Subsidy Scheme achieved

63.2%o. for tourist taxi achieved 133.6%. for vehicle purchase for

Nornadic Tribes achieved 75.8%. the Karnataka State Women

Development Corporation for their Udyogini Scheme, which is

similar to Swavalambana Scheme, has achieved 66.30%.

TM

| 0.1

c) Minorities TaxiWelf are Scheme

Under the Central Govemment Scheme 'Padho Pardesh' the lndian

Bank Association has granted a scherne fbr interest subsidy and the

cost of subsidy rvill be bome by the Covemment of India. But on

examination of the notes we had already fbund that in rnany cases,

the subsidy cheques were not encashed. This u'as discussed in

140'r' SLBC meeting under the presidentship of Shri Vijaya Bhaskar

and had discussed this matter. The Committee noted that the

outstanding advances to weaker section by Bankers as on Sept.

201 7 was Rs. 86923 crores rvhich is an increase compared to

previous year level. Apparently, the Committee could not take a

firm decision but approved the districtwise targets of KM DC and

approved Bidri Craft Loan for Bidar District only.

It cannot be denied that the Karnataka Govemnrent and its Minority

u,elf-are Department as well as the Directorate of Minority has done

stellar work with 95 Morarji Desai Residential School, 304 3 rnatric

/ post matric hostels , 8 minorities model residential schools, 2l

Morarji Desai PU Residential Colleges, 5 Government Muslim

Residential Schools, l0 u'orking women hostels and 100 Moulana

Azad model schools. With such captive audience the requisition

for benefits seems to be in proportion low. May be, the

Govemment of Karnataka is the only Govt. in the country which

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105

had released so many incentives for development of the oppressed.

But still, the implementing arrn of this policy. the KMDC may not

have reached the desired levels of excellence.

The Govemment of Karnataka had organized several consultative

in this regard to find out the reasons for non availment of benefits

by members of nrinority communities. After examination of

available applications/documents, it appears that by and large the

Muslim community is basic applicants. One reason for this might

be, the education and other facilities available to the Christian

communities are more in its intra comrnunity environment and

they may not be held as lacking in comparison with other

community in their socio economic progress. Therefore, the tag of

minority, for them is only of a political nature. The other non-

Muslim communities, Parsis, Sikhs and Jains are a separate

grouping altogether. Their socio-economic environment is not

lacking, in general.

We have made extensive studies about this and come to a

conclusion that it is their entrepreneursh ip and hard work that is

the reason for their success and not because of any assistance from

general society, even though the Govemment of Karnataka had

been liberal in its attention to them. Whereas in the case of

Muslim, lack of education and poverty go together. The case of

women among Muslim, generally is pitiable.

Irfr,

r06

Therefore, as we had pointed out earlier "a cradle to livelihood

empowerment" policy is now required. There were some

suggestions that many among the Muslirns are more familiar with

the language of Urudu than Kannada or English. Therefore, sorne

suggestion seems to be impticit in Govt. documentation particularly

of the Kamataka Urudu Academy that if the teaching medium is

Urudu, then more efficacy can be achieved. But then it will pave

the way for social exclusivity and deny them social integration on

vertical and horizontal planes.

The Govt. of Kamataka on the other hand, proposes the

promotion of English education. After discussing it in n.rany a fora

it seems to be a wise decision, that in this era of globalization and

world citizenship, English is the binding language. lt may be noted

that even in China and Russia , English education is now being

actively promoted. Therefore, for the Muslinr community to arise

out of the present morass, active study of english seems to be

absolutely necessary. The KMDC with its 30 district offices can go

a long way in promoting english education so as to assure and

ensure global progress to be achieved at different levels of Muslim

cornmunltres.

While promoting the interest of rninorities it must be bome in

mind that social inclusiveness and exclusiveness goes against the

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107

grain of social and national integration. The attempt must be to

bring majority and minority communities together on common and

socio economic platforrns even though on a diff'erent percentage

basis.

It might be a better idea to change tiorn inside tlrst. The enrployee

structure and strength must retlect rnulti communal pattem even

though on different percentages. The participation of NGOs in

ground level penetration and peer responsibility will enhance the

credibility of the Corporation.

Therefore. in conclusion "we hal'e miles to go before we rest"

Irfi,

l0t{

KARNATAKA MINoRTTTES DBvBr-opntBxr ConpoRATIoN LTD

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