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1 13 th SEP 2018 The Hindu Editorial Analysis in Hindi Watch Video here: Get in Touch with Tapasvi IAS Join us on Facebook for daily updates and important material for UPSC Join Now Join our Telegram Channel and turn on your notification for daily updates and monthly PDFs. Join Now Visit and Subscribe our Channel for daily free videos. Subscribe Now To get IAS 2019 Full Video Course share your details with your mobile number and location on Don t Forget to Read Below Page Visit our Website and stay connected for daily updates

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3 THE HINDU editorial Analysis in Hindi today EDITORIAL The Hindu Editorial Decode in Hindi DATE: 13 SEPTEMBER 2018 THURSDAY UPSC IAS EXAMS YOUTUBE CHANNEL BY KARDAM RAVAL GENERAL STUDIES EXPERT WE BELIEVE IN DELIVERING EXCELLENCE

4 Today s Roadmap AAJ KA MANTRA VOCABULARY FUN FACT (AAJ KA GYAN) ANALYSIS SAGE ADVICE: ON RAGHURAM RAJAN'S SUGGESTIONS UGANDA S NEW HOPE QUESTION ANSWER

5 VOCABULARY 1. UNWAVERING (ADJECTIVE): resolute :(स थ र) 2. CRYPTIC (ADJECTIVE): curt :(ग प त) 3. ACERBIC (ADJECTIVE): caustic :(त क ष ण) 4. SCALLOP (VERB): pucker :(स क ड न ) 5. INTERLACE (VERB): braid :(लप टन ) 6. ENDEMIC (ADJECTIVE): local :(थ सनक) 7. GUTTURAL (ADJECTIVE): grating :(क क श) 8. HARROW (VERB): devastate :(स ट न ) 9. IMBECILE (ADJECTIVE): stupid :( र क) 10. IGNOBLE (ADJECTIVE): lowly :( न च)

6 AAJ KA MANTRA

7 FUN FACT AAJ KA GYAN PART 1 The first-ever joint military exercise of BIMSTEC, named MILEX-18, has started at Aundh Military Station in Pune from September 10 to enhance cooperation in dealing with the challenge of terrorism in the region. The aim of the week-long anti-terror exercise is to boost inter-operability among the forces and exchanging best practices to contain terror related activities. The exercise will include training in searchand-cordon operations and handling and neutralisation of improvised explosive devices (IEDs) among other things. The militaries of BIMSTEC member nations barring Nepal are participating in the exercise. The BIMSTEC is a regional grouping comprising Bangladesh, India, Myanmar, Sri Lanka, Thailand, Bhutan and Nepal. The grouping accounts for 22% of the global population & has a combined gross domestic product of USD 2.8 trillion. PART 2 The Rajasthan government has decided to hold convention on preserving heritage properties & promoting heritage tourism in Bharatpur on September 13-14, Organised by the Indian Heritage Hotels Association (IHHA), the convention on Revitalising India as a Heritage Destination will witness national and international experts speak on preservation of heritage buildings, museums and promoting lesserknown destinations. The convention will strive to preserve heritage properties from decay while promoting heritage tourism in the in-bound tourism market. It will also bring to the forefront battlefield tourism, which aims to recreate the grand battles of Rajasthan. Similarly, role of next generation heritage owners and spousal participation in property management will also be discussed.

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9 Sage advice: on Raghuram Rajan's suggestions Raghuram Rajan s suggestions on preventing a financial crisis must be heeded Former RBI Governor Raghuram Rajan s note of caution on the next financial crisis that could be building up needs to be taken in all seriousness. In his note to Parliament s Estimates Committee on bank non-performing assets (NPAs), Mr. Rajan has flagged three major sources of potential trouble: Mudra credit, which is basically smallticket loans granted to micro and small enterprises; lending to farmers through Kisan Credit Cards; and contingent liabilities under the Credit Guarantee Scheme for MSMEs, run by the Small Industries Development Bank of India. The disbursement under Mudra loans alone is 6.37 lakh crore, which is over 7% of the total outstanding bank credit. These loans have been sanctioned under the Pradhan Mantri Mudra Yojana, which aims to fund the unfunded, and is a signature scheme of the NDA government.

10 CONTINUE Given that these are small loans up to 10 lakh each, with the borrowers mostly from the informal sector, banks have to monitor them very closely. It is debatable whether banks have the resources and manpower to do this when they are chasing the bigger borrowers for business and, increasingly these days, recoveries. The risk is that these small-ticket loans will drop under the radar and build into a large credit issue in course of time. The same logic holds true for crop loans made through Kisan Credit Cards. Mr. Rajan s advice on loan waivers has been made by him and others in the past. But the political class has chosen to turn a deaf ear to this advice, vitiating the credit culture and creating a moral hazard where farmerborrowers assume that their loans will invariably be waived off.

11 CONCLUSION The former RBI Governor has strongly defended the RBI against criticism, often unfair, over its policies on NPA recognition and resolution. He rightly termed as ludicrous the allegations that the economy slowed down because of the RBI. Recognition is the first step in a clean-up, and unless banks are cleaned of their non-performing loans, they cannot make fresh loans. The Central government should also take note of some forward-looking statements that Mr. Rajan has made on the governance of banks. Among his suggestions to avert a recurrence of the current mess are, professionalising bank boards with appointments done by an independent Banks Board Bureau; inducting talent from outside banks to make up for the deficit within; revising compensation structures to attract the best talent; and ensuring that banks are not left without a leader at the top. It is a comment on the state of our polity that despite the important issues that Mr. Rajan raised, political parties have chosen to pick only the points that are convenient to them about the period when these bad loans were made and the purported inaction over a list of high-profile fraud cases highlighted by him

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13 Uganda s new hope Ugandan President Yoweri Museveni has been apotheosised among African leaders by comparisons to Nelson Mandela or by labels such as beacon of hope. But a crackdown on political dissent last month in Arua, a town in northwestern Uganda, suggests that his regime may be gradually turning it into a de facto one-party state. It began on August 13, when Mr. Museveni was campaigning in Arua for a by-election. In a different part of town, a musician-turned-politician named Robert Kyagulanyi Ssentamu known by his stage name Bobi Wine also drew large crowds. Then, even as Mr. Museveni was leaving the area, his motorcade was stoned, allegedly by Bobi Wine s supporters. The reprisal was swift and brutal. Police used teargas and shots on the crowds and security personnel brutalised Opposition members.

14 CONTINUE Although street protests took place in the capital, Kampala, immediately after news broke of the events in Arua, civil unrest escalated after it became known that Bobi Wine and several other MPs had been arrested and apparently ill-treated in custody. When Bobi Wine appeared in court several days later, he was on crutches; but he won a reprieve by getting bail. On the surface, the Museveni government may have created the illusion that it has smoothed over the violent episode, yet there is an open challenge from Bobi Wine that could shake the ruling National Resistance Movement (NRM) to its very core. The rise of Bobi Wine represents the yearning for a new Uganda among the country s youth. Since the time he entered the presidency in 1986, Mr. Museveni has presided over what has been called a movement system, one in which all political candidates are forced to stand as individuals rather than as members of national political parties. This means not only that a democratic multi-party system is banned, but that local issues come to the fore far more than national ones.

15 CONCLUSION This passed muster during the last decades of the 20th century because the NRM primarily relied on the support of rural voters who focussed on local issues that affected them the most. Now a new generation of young Ugandans are united by the growing preponderance of social media, platforms that enable fierce debates over burning issues in national, not only local, politics. Social media is also making it harder for the Museveni regime to keep facts hidden starkly evidenced in the way images of Bobi Wine, lying apparently bruised and beaten on a hospital bed, went viral and stoked anger across the country. In this brave new world of information connectivity, Bobi Wine and his ilk have a chance to focus attention on the pressing challenges that Uganda faces, including high unemployment rates, lack of economic opportunities, and rising crime. They must hope Mr. Museveni won t take to their plans unkindly.

16 QUESTION ANSWER The Indian Air Force has successfully carried out the first-ever mid-air refuelling of the indigenously build which aircraft? [A] Tejas [B] Sukhoi [C] Jaguar [D] Mirage CORRECT ANSWER BY SWECHCHHA SINGH NANDAN PANDEY SHAZIA KHAN ALAM KHAN MANJAY KUMAR SYED DABEER AAJ KA PRASN JO DIYALEGA AAPKO MAUKA YAHA AAPKA NAAM DARJ KARWANEKA AUR AAPKO MILLEGA HUMARE COURSE KE LIYE COUPON CODE What is the theme of the 2018 World Suicide Prevention Day (WSPD)? [A] Preventing Suicide in Multicultural Societies [B] Connect, Communicate, Care [C] Take a Minute, Change a Life [D] Working Together to Prevent Suicide

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