Good Governance -A Game Changer

PM Modi and Good Governance

BY REKHA MAHAJAN
Good Governance Day (Sushasan Divas) is observed on 25th December from the year 2014 on the birth anniversary of Bharat Ratna and former Prime Minister Atal Behari Vajpayee for fostering awareness among the Indian people about accountability in government.
When Prime Minister, Narendra Modi, talks of Minimum Government but Maximum Governance, he clearly indicates to focus on delivering to empower people through good governance while running the government. This cannot be possible without the strong resolution of the government and financial inclusion is most important aspect related to it.
An old proverb say ‘Where there is will, there is way’. PM Narendra Modi not only has a will but commitment also to serve and not simply rule. He has found a way, which is to take the government at the door steps of the people through governance.
Accountability, transparency and zero corruption are the important components of good governance and the people has seen and experienced this in all matters and at all levels during these years of a non Congress government under Prime Minister Narendra Modi. There was a time when a former Prime Minister belonging to Congress had said that if rupee one is sent for the poor from Delhi only fifteen (15) paise of it reaches the needy, which means 85 paise gets lost due to corruption.
The government is now in the hands of a PM, who had, on day one, promised of a corruption free, people friendly, transparent and accountable government and has proved his words through the governance.
The deep rooted corruption has no place under the farsighted vision of Prime Minister Narendra Modi. Through Direct Bank Transfer (DBT) mode, now the entire 100 paise is reaching the poor. The subsidy, which was earlier given in cash, from LPG to fertilizer, is now being sent directly to the bank account of the beneficiaries. By eliminating middlemen and touts, the government has curbed corruption through DBT.
The digitization of financial inclusion schemes has wiped corruption and middlemen. Digital technology is becoming a very convenient medium for promoting the ease of living of the people. Like the rich, now the poor also have debit-credit cards in the form of Rupay Cards, which is a source of social respect now. Facilities like the BHIM App have been made available to more than 35 crore people which are accessible on both smart and normal mobile phones. This government approved the use of e-Signature in e-KYC to encourage financial inclusion and then in 2020, a transformational step like video KYC was also taken.
It is the Good governance under which the benefits of more than 318 schemes of 54 ministries of the union government are now directly reaching the bank accounts of the beneficiaries.
These include Kissan Samman Nidhi, Mudra loan, MGNREGA, Suraksha Bima Yojana, Public Distribution System, Fertilizer Subsidy, Pradhan Mantri Awas Yojana, subsidy to SCs, STs, OBCs and minority students, nutrition security campaign through Anganwadi, loans for self-employment, easy loan facilities for MSMEs, construction of toilets under the Swachh Bharat Mission and benefits of several other schemes are now directly reaching the beneficiaries. The direct benefit transfers are now yielding faster results. Over the years, loans worth more than 15 Lakh Crore have been given to small entrepreneurs through the Mudra scheme, in which more than 70 per cent are women, more than 50 per cent are entrepreneurs from SC, ST, backward classes, and disadvantaged societies. An assistance of more than 1 lakh 35 thousand crore has reached the accounts of about 11 crore farmers’ families under PM Kissan Yojana. Under the PM Svanidhi scheme launched during the Covid period, for the first time, street vendors have been included in the financial sector and so far more than 15 lakh street vendors have been given a loan of 10 thousand each.
Not only this, currently, more than 4 lakh crore transactions are being done through UPI every month and the number of RuPay cards have also crossed 60 crores. On-the-spot verification with the help of Aadhaar, a vast network of India Post Payments Bank, the establishment of lakhs of Common Service Centres have taken financial services to the remotest parts of the country. Today, more than 2 lakh ‘Bank Mitras’ in the country with the help of Aadhaar Enabled Payment System (AEPS) are taking banking services to the doorsteps of people in villages. During the COVID period, between April and June last year, these Bank Mitras helped the villagers by transacting more than 53 thousand crore through their Aadhaar-enabled payment system tools.
The central government has linked all the schemes and opportunities related to socio-economic assistance with ‘Aadhaar’ so that the village-poor, youth, women, receive cent per cent benefits of these schemes.
We have seen that, during the lockdown, three installments of rupees 500 were transferred directly to the accounts of more than 20 crore women. Assistance worth rupees 1000 was also sent directly to the accounts for the poor, elderly, mothers-sisters, and disabled. Imagine how this would have been possible if Jan Dhan accounts had not been opened, had it not been linked with mobile and Aadhaar.
“Even as DBT has become an important part of digital transactions and welfare schemes of the government, it is the duty of the government to ensure cyber security as well. A secure and inclusive cyber space is also important for balanced development because the pursuit of free and accessible internet often leads to insecurities. As such, India is now on the path of being a world leader in developing a system of fully accountable, transparent digital transactions, thanks to the political will, proper regulatory environment, and digital infrastructure. Every government department has started registering complaints through the phone and online methods with an early disposal of complaints within the stipulated time frame.
Transparency is the key to ensure the success of any programme. Complicated terms and conditions and hidden fees for various services often perplex consumers and it is the biggest obstacle in gaining confidence and trust. In such a situation, financial literacy is of utmost importance.
(Advocate Rekha Mahajan, Secretary BJP J&K)