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Research papers (TO BE SCRUTINIZED)

By jagadish

Distribution of wealth in banks of INDIA

Suppose I take a loan of 100 rs from SBI and bad debts accumulated on 100 rs with 10% interest
happens to be 10 rs at the end of the year , total loss to SBI is 110 rs
But in actual society that 10% interest charged on the principal amount need not be the inflation
accumulated in that year and maybe only 5% which means unnecessary there has been a calculation of
excess interest rate of 5% has been added to the year specified
To bring down the inflation of 5% and manage the funds for the year only 5% interest is sufficient to
compensate the financial year
The accumulated amount of 5% above inflation is again a result of previous principal amount of last year
plus interest of last year which means in the society of today there is only one thing set in motion that is
money supply in banks keep increasing but never decreases as principal amount keeps increasing by
changing hands from one person to another in the form of utility purchased and sold
Whatever bad debts has been removed from the market in the bank of SBI is actually visible in the form
of account of some other person who used the money of another bank or branch of SBI of his account
which includes principal of lesser than 100 rs + interest on the principal amount
Example
Ravi got 100 rs as loan for the year 2013
His accumulated amount to pay loan at 10 % is 10 + 100 = 110
SBI written off bad debts at the end of the year of 110
In actual practice that 100 rs of 2013 was principal of 80 rs + 20 rs interest of year 2012 which has
become 100 rs in 2013
Now written off bad debts of SBI of 2013 is actually found in another's account in the form of 50 rs
+interest of 2013 where 50 rs of 100 rs was used to purchase utility to produce another utility say B2B
purchase

Like this 100 rs of 2013 is actually distributed wealth of 50 rs +30 rs +10 rs+ 5 rs + 5 rs under different
accounts in the country or outside country of the year 2013 which has its own interest calculations
under different heads of accounts (maybe current, maybe savings , may be fixed if kept in bank)
So loss of 110 rs of SBI in 2013 is actually distributed wealth under different heads in different account
names in the country or outside country based upon usage of principal amount for the year 2013 which
may be other banks accounts or SBI another branch account if utility was purchased for the amount
Interest is also being calculated on the distributed wealth and increasing but in other banks or branches
of SBI even though it is bad debts for the branch of SBI for that year for the loan sanctioned for the year
2013
Hence banks are accumulating wealth under accounts which is only increasing every year and not
decreasing , and whatever bad debts have accumulated for the year end for the bank is seen in the form
of creation of accounts or accumulated wealth in other banks or branch association is my observation
when understood the theme of distribution of wealth in society

Thought of the day


Play the role of customer of the bank and see how you work when you take loans in INDIA

NEXT

How to charge interest rate in INDIA

procedure to follow

calculate the percentage of amount of cash deposited per day in the form of cash reserve ratio by banks
to RBI
calculate the percentage in accordance with 100 percentage

10% of CRR of SBI is 100


100 % how much of SBI

after knowing the total cash reserve ratio 100 % multiply it with total population for that year
calculate the same in the form of statutory liquidity ratio per bank deposit individually and multiply the
total amount with population

SLR of SBI per bank is 100 which is 10%


SLR of SBI of 100 % how much

add CRR and SLR totally and divide it by 2 because of existence of social debtors in that population

now if total banks in country is 25 use weighted average method of each bank being given 25 to 1 rating
as per good will factor with the public

use consumer price index for that year and multiply it with population index to know how much money
is with public to purchase for that year

using weighted average method multiply the total amount till now calculated with the weight of SBI

You now have total amount required with SBI for that year as expected by the public
now determine how much of money SBI CEO should prefer for that year end when he reaches the next
financial year with his branches across the nation
based on this type of foresight interest percentage can be calculated projecting money to be had well in
advance with SBI by the coming up of next year

calculate similarly with other banks individually and RBI can easily determine the money flow available
in the society and expected cash flow into the country

thought of the day


to be thought further in near future still

NEXT

How to determine small caps mid caps and large caps in Indian scenario

through number of employees handled by the board of directors in a company

every entrepreneur has a capability to handle his workforce , by determining the number of employees
one can easily say what the size of the company is
if the average number of employees held by say reliance is 1500 and the next company lesser to it has
750 employees to handle , automatically in India reliance is large cap and the other Mid Cap because
there is no other company who has handled more than reliance in India

knowledge capitalism in a country determines the number of employees handled by the company
in India being a muscle power yet to become knowledgeable has a strength of 1500 employees if you
take an example as stated above,
the same cannot be said about USA because it is knowledge power house where large cap requirement
in that nation is 50000 employees when compare with reliance of India for example

to sum it up there are many qualities seen in a nation to determine per nation what its large cap can be
to state no two nations can be same and to determine the workforce strength is also dependent upon
variables like knowledge sharing, knowledge availability and knowledge assimilation in a nation
Africa to determine large cap depends again on how much they can handle knowledge
it can be said that the more you are aware of knowledge more can be your workforce because you
require the arsenal of negotiation and various other ammunitions like libraries and knowledge based
websites to understand human psychology in a given nation
so each nation has its own upper limit of large cap given different parameters of judgment

what they are and they should be is the research paper motto to determine looking at available and
future research taken up If the hypothesis of mine is proven correct

thought of the day

hypothesis :
no two nations is same in large cap handling because of knowledge variables attached to workforce

NEXT

GDP growth of 3% and number of employees in the organization in INDIA

It is stated in the social life of money that in order to do profit reasonably growth of the economy should
not slump to lesser than 3%. as per Harvey comment
zero or negative growth is called depression
there is another version I thought of
number of employees increase annually can lead the country into debt and lose GDP growth
the only way to solve this negative growth of economy is to provide entrepreneurship
if the number of employees are more than business growth done by the company else industry negative
growth of depression can set in
expenditure more than income
number of employees more than profits generated by the countries companies for the financial year
if number of companies grow in our country and absorb students and show profits then capitalism of
our country can show 3% growth which can be termed decent growth of economy

thought of the day


GDP growth of economy in relation to expanding base of students becoming economic men
lack of entrepreneurship and its affect on profits to industry
inflation can be calculated on the amount of utility of staple diet of the country appreciated

NEXT

How to make torrent in INDIA result oriented to earn money just like paid websites else purchases

every person has the desire to earn money in our country but can't pay because of volatile prices of
books keep changing
torrents are the places where huge downloads and set collection based is possible to download and can
be used to mint money
specialized knowledge is also possible and if the person has the desire to earn money on it
how can it be possible where every person other than self asks for purchased books as authentic to get
consultation amount for the fees charged to make money
in torrents all is free and chances of earning money is not possible as it is not purchased books but
donated books
I thought of an innovative way to earn money on torrents If charged and governed by government

every month pay package is 5000 per month


every year pay package is 60000 per month
you can download as many books as possible to earn finance and pay a nominal fee of 5000 per month
which is 500 rs per book read
500 * 10 = 5000 rs per month
all the people who like to earn money as consultants or writers pay it to a specified account maintained
by the government for torrent based knowledge which is per month mandatory for those wishing to
earn finance through it
if removed from the membership they can't earn money but can only read books through downloads

this type of thought process is designed by me for those who have desire to mint money instead of
wasting time on torrent reading books but dont know how to earn finance for their livelihood
thought of the day

writers and torrent relationship to keep families intact with knowledge

NEXT

100% autonomous colleges , schools in INDIA

BENEFITS

students select their own course curriculum with the help of teachers from class 1 to 9th class
no final examination upto 9th class
10th class curriculum designed by AICTE
competent schools, colleges only survive which is beneficial for the country to show competence in
decision making in society
confident children come to 10th class with huge knowledge of selection of books done by them
knowledge is rampant and grows with each classmate passing
online education is the curriculum selected by children
NCERT books are the guidelines and foreign education courses watched out for
schooling is education of self discipline for students as they are masters of their own education
promoted by teachers
self learning packages order of the day

if found difficult and loss of knowledge for students in choosing wrong books for that year school
provides them extra curricular knowledge to develop in form of vocational training as no examination till
10th class

soft skills are chosen by students and developed through teachers


cooperation and society development through knowledge of brain development by both teachers and
students when taken autonomous responsibility on their shoulders as they always do

what about colleges


affiliated to ceo's and their need requirement (salary paid to ceo's through colleges for guidance)
if backfired extension of education free of cost till students get proper jobs

thought of the day


tough times never last long but tough people do

NEXT

proactive society is democracy (INDIA)

BENEFITS

equal share equal rights are enjoyed only when proactive is seen
rules regulations are enjoyed only when knowledge is proactive
problems are solved only when proactive decisions are implemented
wise people always look for proactive children as they feel safe
financial crisis is averted only when federal reserve is proactive

jnana yoga is changed and rectified only when the source is proactive
administration if proactive can gain knowledge into current affairs as current affairs change every hour
history is assimilated into the brain of individuals when the student has dedication which comes from
proactiveness
lethargic mindset can never earn money and can never look for finance in a proactive world
10000 hours in not throughout lifespan but proactive continuous learning at a stretch non stop
depression in a country sets only when companies aren't proactive in gaining insight into history
economic history is repetitive and can be known if people who run it know about proactive reading
writers are vigilant and write beautifully only because of their proactive learning curve throughout life
family went into financial loss because family members weren't proactive to gauge advancement in
knowledge where society headed to

thought of the day


proactive life when lost is a loss into depression of the country when seen with 2008 crisis

NEXT

How to create employment for students studying in post graduation in INDIA

networking

parent teacher meetings by involving fathers


parent teacher meetings by involving family members
ceo's get togethers organized by college
coo's by involving them in placement cell
NRI by involving them in presentations
government organizations by involving them in funding

research institutes by involving them in research papers submitted to them by students for phd
work from home jobs offered to ladies by involving them in internet activities
foreign collaborations through parents
finance jobs through industry get togethers

thought of the day


think about role of parents in giving jobs to your institute or company

next

Remortgage of asset and accountancy in Indian scenario

I just now yesterday completed the book after the music stopped reading about financial crisis of 2008
where the biggest concept discussed was remortgage of asset repeatedly for giving loans to public for
appreciated asset example being housing else land
in practice house keeps on appreciating and is kept at appreciation throughout its lifespan till it is sold to
the right owner to change hands
in business book value v/s market value has always been debated upon
for any remortgage of asset the asset has to be appreciated first and in certain assets there is never any
depreciation unless you talk about maintenance cost in asset like house else land
so the point I raise here in my research further to be done is

has their been any depreciation done in the value of house which actually should be appreciated instead
of depreciation for remortgage and revaluation to be done by asset based management companies for
the asset valued under housing bubble

thought of the day

certain assets are meant to be appreciated and never to be depreciated in book values when you look
at economy unless it is natural disaster

NEXT

spending time mantra in Indian scenario

benefits

can gain knowledge by rehearing the stuff repeatedly with the books at each opening
1000 hours of specialized understanding of situations
wise understanding of events arose
workaholic behavior of knowledge assimilation
proper highlights at each step in pondering with self
spiritual awakening of self because of spending time
visual associations because of behavioral understanding of people biographies
knowledge awakening insights when used mental resources of energy

thought of the day


spending time is awakening of special talents in self understanding

NEXT

one assignment per person per individual in Indian scenario

no two people are same . each individual has one strength, one weakness and one proficiency based on
which the individual is groomed up
if you take away the job profile of one individual and assign to yourself two to three roles in one
automatically proficiency in knowledge is lost because of time management spent in knowledge sharing
and assimilation
every assigned task has certain knowledge association and understanding of situation and given set of
secondary data knowledge associated with the job based on which decisions are made
if each individual takes up more than one responsibility justification of the role is not complete and
incomplete decisions can never be classified
generalists have limited area of knowledge and are given roles in strategic knowledge debates with
specialists in different spheres
I stated in previous article that generalists are the need of the hour but you should observe that that
role is also one assignment
assignment to be a generalist instead of specialist

thought of the day


one career anchor is chosen not two categories of career anchor is my viewpoint

NEXT

How to govern country when democracy still not known completely (INDIA)

when a country is war torn and is building itself up for democracy to have knowledge of its own
what should the country do ???

govern the army and police service through president of the country just like Indian president
govern the country food, clothing through prime minister from parliament leisurely
protection given by army
knowledge comes to public in the form of observing parliament in action from their homes
make internet mandatory with global village books free of cost and get finance through sponsorship
companies of the country is run through government finance as was done during Nehru's time
salaries to be given as per job profile fitting by designing or following my model
solve problems of education, law , shelter etc through ordinances schemes picked up like ambedkar did
of INDIA

thought of the day


think on above scenarios and run the country through honest and patriotic economic men

next

religious acceptance and knowledge of a nation (INDIA)

Every nation is governed by set laws and all the laws of the country have come through acceptance of
religious practices .
once religion of a country is deciphered automatically rules and regulations can easily be governed
so first step of any nation to determine which path to chose is chosen through which religion they
actually practice and preach
all nations can never be made into democracy form and first tested on religious doctrines to determine
the path of the nation is the common insight of mine while reading books
based upon religion and reading those principles foundation automatically personality profiles are
determined and understood of people sociology

which is dangerous to talk and which would infuse hatred is the basic tenet knowledge to be known to
one who preaches for a nation
based upon which ambedkar and other well read people insight is adopted to formulate knowledge for a
country to chose and adopt

thought of the day

religion and democracy to be formulated for any nation

NEXT

Civil war and how to curtail it within a specific location in Indian scenario

in previous articles I have stated that civil war is because of lack of jobs in India to keep them busy
if suppose civil war does erupt how to work in that scenario

remove telecommunication mode so that civil war doesnt spread


dont use internet and curtail it for few weeks
dont let news spread fast within a short span of time
make media your ally and destroy civil war with no knowledge about it
use instead report and documentation and spread its knowledge leisurely
one can restrict death toll of civilians within a geographical boundary by not involving friends
use technology as a medium to postpone things instead of increasing its tempo

thought of the day


1857 sepoys mutiny did not spread to entire nation because of lack of communication channel

NEXT

when rupee is circulated freely without effort in Indian scenario

benefits

utility purchased through rupee is meaningless as value to utility in relation to it is none as money is
freely available

foreign exchange value unless devaluation takes place has no meaning if money is available cheap
cheap money availability has no need for economic men to work for GDP growth for the nation
valuation to utilities availed by economic men can be priced correctly only when effort goes in by the
countrymen in competition with others across the globe to acquire knowledge of utilities purchased
haywire valuation of rupee is a negative force of acceptance of laggards in country which can affect the
country later on in the form of timid citizens
knowledge acceptance and to value it in the country can only be done with economic men knowing how
to earn money through effort rather than learn it through free of cost availability of rupee in the market
waiver of money is a cheap trick played by many and it loses knowledge to politicians if practiced in their
states as return back money into state treasury is a source of knowledge accumulation for state to be
robust ----- other hand reduce interest rates on loans taken and see its knowledge how money works

thought of the day


cheap money and waiver off and its affect in state economy even though money is circulating in INDIA

NEXT

why payment is made to authors even though documentation of theirs can be defeated (INDIA)

BENEFITS

so that research further can take place


association with newer terms in the field of documentation
intellect expansion by getting newer insights into life while observing written text
usage of mental strength expansion and loss of foolishness into believing
entrepreneurship opportunities seen by promoters
expansion of models and newer set of tools and techniques introduced to keep mind busy
positivism and fear removal of having text written and debated upon without loss of secondary data
raw data availability and to be used by research scholars when time comes
development in kinesthetic, auditory and visual enhancements through sixth sense coming into play

thought of the day


knowledge applied and sixth sense coming into play with text being scrapped off

NEXT

How should a country like Russia while sharing its energy reserves with India design strategy of pay
package (opinion of mine)

I completed the reading of petrostate book and while pondering over the issue of energy being so vital
for sustenance for Russia and also for those who are dependent on it is mind boggling

energy keeps on increasing and decreasing with changes being made in the international committee is
very taxing for Russia as its economy has become very volatile is well noted by me
India also shares its energy reserves and almost dependent to nearly 60% of its internal consumption is
very sorry state of affairs of our country when read carefully in the book
in this state of affairs when energy reserves being volatile how can India sustain consumption when
both need and giver are in troublesome waters
I thought of a solution with my team

weighted average method of payment when prices of energy are volatile

based upon necessity of state price to be reduced in our country for that state and where the necessity
is little charge market rate of payment , average it out through calculation and pay lump sum end of
each quarterly to Russia by Indian government

weighted average method is done on the base of necessity and state requirement as per tender
proposal submitted to the central government with Russia guidance and acceptance

If two states have same tender proposal whom should be given importance for lesser charge for
consumption once accepted by Russian government ?

on the basis of population and requirement on the basis of foresight and usage specified in the form of
documentation submitted along with tender by respective state chief ministers to the center

so to sum it up :

on the basis of need based consumption of energy usage of Russia can be used and through tender
submitted by the respected state governments of INDIA price can be reduced later average out at the
end of each quarterly is my honest opinion to solve
a volatile market of Russia through Indian hands

thought of the day

weighted average method of Indian states and corporate requirement under each statehood

NEXT

if Europeans pay huge sums of money in lump sum which Indians can't when payment is done yearly
what is the solution for Indian government to get energy from Russia when energy is limited in scale

pay Russians in annuities quarterly else monthly ( said by me and team)

a rupee today is better than rupee tomorrow is valid only for shorter duration once annuities sets in and
extended over a period of years or century
one can debate on above issue that Europeans can pay larger sum every year in lump sum,
to contradict it annuities can be used every month varying with inflation rate which lump sum cannot
gauge when evaluated
yearly evaluation of lump sum and monthly evaluation of annuities is different
yearly evaluation of lump sum doesnt take into consideration the demand and supply of Russia growing
change in inflation
whereas monthly payment of annuities takes into consideration of inflation which keeps changing with
demand and supply of Russia every month
hence terms and conditions with Russia if done monthly is much more beneficial to India than yearly
payment terms and conditions of Europe
payment in annuities can be changed every now and done whenever it is due for payment to Russia ,
basing on the need and requirement of money to monitor their currency annuities can be adjusted
every month with Russia with mutual acceptance

this payment of annuity can be paid by government of India with acceptance from companies
here utility is energy which is annuity sum and payment in the form of money is monthly else quarterly
on the basis of inflation of Russia needed to manage its country paid instead of lump sum annually
so

payment done monthly on the basis of changing inflation of Russia can be taken up by INDIA in form
of annuities

thought of the day


payment made annually vs payment made monthly ( merits demerits)

NEXT

when natural resources to be used is in international waters in INDIAN scenario

answer
foreign exchange rate to be stable in international trade with usage of natural resources being less
just need based requirement permission from United nations security council

every nation has an international trade agreement with other nations


to manage the trade currency of the nation has to be fixed every day trade
unstable currency is a threat to foreign countries and to national as trade relations can become unstable
to manage the trade and to keep currency afloat natural resources are used
if these resources are found in international waters and the currency has to be kept stable

need based natural resources with permission should be used so that economy of the nation doesnt
become unstable leading the nation to poverty and than global recession because of dependency

thought of the day


natural resources and international water trade agreement in WTO summit

END

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