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E-sports receiving 10 million rupees has caused great controversy. But, players say it’s peanuts against need

The second edition of the National Esports Championship in 2019. Photo: NESA

When X (name withheld on request) discovered that the Metropolitan City of Kathmandu was granting a budget of Rs 10 million to develop esports in Nepal, he was not as pleased as many had hoped.

He’s been on the scene for almost a decade and has played in nearly every national level tournament, but seeing how the media and people have blown the thing up has left him disgusted.

“You, the media and many others think this budget is a lot. Are you kidding me? Do you think a budget of Rs 1 crore will do anything to grow the esports scene? If you think it will, you’re kidding,” X says.

There are several esports tournaments in India where the prize pool for a tournament is Rs 10 million. Teams have a coach; they have regular tournaments and a developing scene. But, in Nepal, there is not much and this has led many players like X to leave the scene.

“There is no future. There is no investment. People don’t understand what esports is and where it can go if given proper attention. It’s just frustrating,” says X.

Since esports was included as a demo game in the 2018 Asian Games, the scene seems to have improved in Nepal. Gaming teams like Dota 2, Counter-Strike: GO, Pub G Mobile, and FIFA have gone overseas to compete in international tournaments. While a few did well, most of them realized how old the scene in Nepal is and how much investment is needed to improve the scene in the country if it wants to win big.

Lots of potential vs little motivation

Despite PubG, other esports titles rarely have tournaments in the country. Photo by Onur Binay on Unsplash

Abhinav Shakya, 21, known as Mel in the esports community, has been playing Dota 2 competitively for seven years. Recently, he traveled to Korea and Israel to compete in the Dota 2 World Championship hosted by the International Esports Federation (IeSF). In Korea (2019), the team did quite well finishing fifth. But, in Israel (2021), things weren’t the same as they finished last.

“There is a huge quality gap between playing in Nepal and playing with the best in the world,” says Shakya. “First of all, the level of competition is low. There are only a few good teams, which means it’s very easy to win the national championship.

But when they go abroad, the dynamic changes. They face teams that go through a training camp, have a coach and, in some cases, even psychologists to help them when they doubt themselves.

“Little things like that play a major role in helping us perform well. Here in Nepal, we don’t even get prize money, which kills our motivation to play,” says Shakya.

This is the case of FIFA. Sameer Gurung is the country’s national champion. He regularly competes internationally, but says his time is coming to an end as he sees no future in the sport.

“I play with my Indian contemporaries. Our matches are always close. We’re neck and neck every time we play, but that’s where our similarities end,” says Gurung.

Its Indian counterparts compete in tournaments worth over INR 10 million. But, Gurung plays in tournaments which offer the winner less than 10,000 rupees. Even these tournaments have come to a standstill lately, which has made players like him frustrated.

“There is no motivation to keep playing. Those who play only do it because they are passionate.

The death of promises

The recently held esports championship didn’t even have a prize pool, which left everyone in attendance disappointed. Photo: NESA

Suraj Dangol, the president of the Nepal Esports Association (NESA), understood this well. He says, as the governing body, the association is trying to create space for esports in the country. But, due to a lack of government and private sector support, things are not easy.

“We couldn’t offer any prize money for the national tournament this year because we couldn’t find any sponsors. People promised us an amount, but they didn’t give us anything until the tournament we organized recently,” says Dangol.

Vidit Singh, also known as Dafi, is a former esports player. After competing on stage in Nepal, he decided to turn to coaching. Currently, Singh is in Bangalore coaching a Valorat team and believes Nepal has a lot to learn from India.

“India is 10 years ahead of Nepal despite its own problems. The mindset of parents in India is the same, but others in the country are doing good to support the scene because people have realized how much money there is in esports,” explains Singh.

He thinks Nepal would have been way ahead of India if the country had had a visionary to drive the sector forward.

“A lot of people quit playing games like Counter-Strike and Dota because there was no scope and most grew up and had bigger responsibilities,” Singh says.

He thinks it was time for organizations like NESA to focus on casting for these tournaments as well. Also a game streamer, Singh believes tournaments like Nationals should be accessible to everyone.

“These generate eyeballs and when there are people watching it, then the sport will automatically come,” Singh explains.

Dangol knows this and says the association is trying to do this. This year it partnered with AP1 TV and broadcast the tournament live. But, he knows there are gaps because they are learning on the job, but he promises things will get better.

PUBG promises

PubG is the only sport that has received the necessary support to reach the next level. Photo by SCREEN POST on Unsplash

While almost every game is suffering in Nepal, there is one that is thriving – PubG Moblie. There are over 100 teams participating in each tournament, with most Nepalese teams dominating South Asia.

One of these teams is Haute Tension. The team regularly participates in the PUBG Mobile Pro League (PMPL). What started as a fun activity for most of its players has turned into a full-time profession.

High Voltage is currently in a training camp in Chabahil to prepare for the PMPL. The team has six members who receive a monthly salary. Thanks to this security, the team can concentrate and perform at their best.

“Things are easy for us, but we don’t take it for granted because we want to win things,” says Diwas Kumar Shrestha.

Training camp is for them to improve their game and work on their weakness. Shrestha says it helps a lot but thinks the scene needs government support if it is to take the next step.

“We need more LAN tournaments. We need more competitions because there is a lot of chance that this game will win Nepal something big internationally,” says Shrestha.

But, for Shakya, things are not at all similar. The Dota 2 tournament in Nepal is a rarity and if things continue like this he says he won’t play again.

“The news about Kathmandu city’s investment in esports is positive. I hope things change. If not, I will probably quit playing.

Nepse rebounded with 123.06 extra points last week – myRepublica


KATHMANDU, July 30: The Nepal Stock Exchange (Nepse) gained 123.06 points last week, following the announcement by the Nepal Rastra Bank of a monetary policy that prompted investors to increase their investments in the market. stock market.

The secondary market opened at 2,017.46 points on Sunday and closed at 2,140.52 points on Friday. During the reporting period, the market reached a high of 2,150.10 points while it fell to a low of 2,027.80 points. Overall, the stock index jumped 6.10%.

In day one trading, the market rose 61.05 points followed by an increase of 54.45 points on Monday. The market, however, fell 44.80 points on Tuesday. The rest of the three days, Nepse inflated 23.83 points, 15.49 points and 13.05 points, respectively.

The total amount of revenue increased by 116.01% to reach 20.87 billion rupees last week. Similarly, the market capitalization has also risen from Rs 2.88 trillion to Rs. 3.056 trillion, providing investors with benefits of Rs. 176 billion from equity trading.

Shivam Cements made the largest transactions of its shares worth Rs 1.21 billion. Multipurpose Finance Company Limited was the biggest gainer while Kumari Dhanabriddhi Yojana was the biggest loser in the reporting period.

“If you take out Gujaratis and Rajasthanis”

Bhagat Singh Koshyari made the statement after an event at Andheri in Mumbai.

New Delhi:

Maharashtra Governor Bhagat Singh Koshyari has caused controversy for saying that if Gujaratis and Rajasthanis are expelled from Maharashtra, the state will have no more money. During a speech yesterday, the Governor of Maharashtra said: “If Gujaratis and Rajasthanis are expelled from Maharashtra, especially Mumbai and Thane, there will be no money left here.”

“Mumbai could not remain the financial capital of the country,” Mr. Koshyari added.

He made the statement after the naming ceremony of a chowk in Andheri, a western suburb of Mumbai.

A statement released by the Raj Bhavan said Koshyari hailed the contributions of the Rajasthani-Marwari and Gujarati communities in making Mumbai the financial capital of the country.

The Governor said the Rajasthani-Marwari community lives in different parts of the country and also in countries like Nepal and Mauritius.

“Wherever members of this community go, they not only do business, but they also do acts of philanthropy by establishing schools, hospitals,” he said.

Maharashtra Chief Minister Eknath Shinde said these were the governor’s personal comments and he did not support them.

Several Shiv Sena and Congress leaders criticized Mr. Koshyari and demanded an apology.

Shiv Sena MP Sanjay Raut today condemned comments saying the governor had insulted the hard-working Marathi people.

“Shortly after BJP-sponsored Chief Minister came to power, Marathi man is being insulted,” Mr Raut tweeted in Marathi.

Congress leaders Jairam Ramesh and Sachin Sawant also tweeted the video and said the governor should not have made the remarks.

Tigers have almost tripled in Nepal, but at what cost?

Nepal has become the world leader in tiger conservation.

The country announced today that it has 355 endangered cats within its borders, nearly tripling its known population since its estimate of 121 tigers in 2009.

At the World Tiger Summit in St. Petersburg, Russia, in 2010, the 13 countries that have tigers in the wild pledged to double their tiger numbers. Only Nepal has achieved this goal.

The country’s successes are largely the result of “strong government buy-in” for tiger conservation and the enforcement of strict anti-poaching policies, says Abishek Harihar, deputy director of the tiger program at the within the wildcat conservation group Panthera, which supported the recent campaign in Nepal. efforts to survey its Bengal tiger population.

At the start of the 20th century, more than 100,000 tigers roamed the planet, but habitat loss wiped out more than 90 percent of their range, according to Panthera. Trophy hunting and poaching for their skins and bones – used in China and elsewhere in Asia to make products such as tiger bone ‘wine’, a traditional brew that some say will grant the drinker strength of the animal, has also drastically reduced tiger populations. Today, Cambodia, Laos, Vietnam and southern China have no tigers in the wild. (Read how Siberian tigers are poached for their body parts.)

In Nepal, the penalty for poaching a tiger includes 15 years in prison and a $10,000 fine, Harihar said.

Since the 1970s, Nepal has created five national parks where most of its tigers live. They are heavily patrolled by park staff and army personnel. Tiger protections have also helped other endangered animals – rhinos, elephants and pangolins, among others.

Better sampling methods, such as camera traps, explain some of the improvements in tiger numbers in Nepal. But there has also been a real population increase, with more tigers being born, Harihar says. “Certainly, Nepal has come very close to [its tiger goals] than other countries,” he says, although India, Bhutan and Thailand have also made progress in recent years.

The tiger announcement in Nepal comes after the International Union for Conservation of Nature, the world’s authority on the status of endangered animals, announced earlier this month that the number of tigers in the world was “stable or increasing”. Its latest count says there are between 3,726 and 5,578 wild tigers, a 40% increase from the 2015 estimate. Much of the improvement comes from better monitoring, not an increasing number of endangered animals, noted the IUCN.

Yet the progress of the tiger in Nepal comes at a price: Some critics say the focus on raising tigers is at odds with community safety. In recent years, tiger attacks on local people living around tiger habitat have increased, as has livestock predation, threatening livelihoods. Government agencies and conservationists “have not thought enough about how to keep people safe in these communities”, says Kumar Paudel, director of Greenhood Nepal, a nonprofit conservation organization based in Kathmandu.

“I am delighted to see the number of tigers,” he says, “but the cost of this conservation is really sad.”

Tiger attacks on the rise

Between July 2021 and July 2022, tigers killed 16 people in Chitwan National Park, the big cat’s main habitat, according to Babu Ram Lamichhane, a biologist at the National Trust of Nature Conservation, Nepal. In contrast, he says, in the previous five years combined, there have been 10 attacks (and resulting deaths) at the park.

Last month, a tiger attacked and injured a 41-year-old woman in Bardiya district, near one of the tiger’s largest habitat areas, while she was collecting firewood. The incident, according to Kathmandu post office, infuriated the community and people blocked the main road, demanding better wildlife protection. To disperse the demonstrators, the security forces deployed tear gas canisters and opened fire, injuring several people and killing one.

Lamichhane’s group found that tigers that injure or kill people are usually physically handicapped or without territory – they are stressed animals looking for easy prey. The increased density of tigers, he says, forces some cats to seek territory in outlying areas, where they are more likely to encounter people.

Better surveillance of these animals and rapid control, such as euthanizing the tiger, can help reduce attacks, he says, adding that moving big cats that have already attacked people is not a good solution because they can harm people elsewhere.

Most people who live around the parks still depend on the forest for their daily needs, such as wood for fuel, says Kanchan Thapa, wildlife programs manager for the World Wildlife Fund-Nepal. The government and other conservation partners should therefore focus on providing alternative livelihoods for these people, he says.

With the release of new global population figures, IUCN urged countries to continue expanding and connecting protected areas and called for increased collaboration with communities living in and around tiger habitats.

“The major issue is the human-tiger interaction,” says Paudel, adding that governments need to “think about the social cost of conservation and how we can really all share it.”

The National Geographic Society supports Wildlife Watch, our investigative reporting project focusing on wildlife crime and exploitation. Read more Wildlife Watch stories here and send tips, feedback and story ideas to [email protected] Learn about the National Geographic Society’s nonprofit mission at natgeo.com/impact.

Motorola G32 Price in Nepal


The Motorola G32 has gone official. This mid-range device is the successor to the Motorola G31. Coming with a Snapdragon 680 chipset and a 90Hz LCD panel, the phone features a triple camera setup. In this article, let’s learn more about the features, specifications and price of Motorola G32 in Nepal (expected).

Strong points

  • Snapdragon 680 chipset
  • 90Hz IPS-LCD display
  • 5000 mAh battery and 30 W fast charger
  • Android 12

Design and display

The phone comes with a typical Motorola design with rounded corners. It features a plastic body and frame with glass in the front. The body is water repellent and provides some kind of water resistance. On the front side, you get a punch-hole display in the center. On the back, there is a rectangular camera module and the Motorola logo in the middle. The phone is available in three colors; Mineral grey, satin silver and rose gold.

Motorola G32 design and display
Motorola G32

As for the display, the device sports a 6.5-inch IPS LCD display with a refresh rate of 90Hz. It is a Full HD+ display with 1080 x 2400 pixels and an aspect ratio of picture 20:9. Likewise, it has an 85.4% screen-to-body ratio and a density of 405 PPI. For biometric security, it comes with a side fingerprint reader and Face Unlock.


Speaking of performance, the Motorola G32 draws its power from the Snapdragon 680 4G chipset. The 6nm Octa Core chip has 4 x 2.4 GHz Kryo 265 Gold cores and 4 x 1.9 GHz Kryo 265 Silver cores. And for graphics, there’s the Adreno 610 GPU on board. This 4G chip is very popular among mid-range phones of 2022 such as Redmi Note 11, Realme 9, etc. For storage, Motorola has provided 128GB native storage and a hybrid MicroSD card slot for expansion up to 1TB. It is paired with 4GB of RAM.

The device boots on Optimized Stock Android, built on Android 12. The software is free of bloatware and offers a cleaner experience than other skins.

Snapdragon 680 chip
Snapdragon 680 chipset

Read:- Motorola Moto G52 Price in Nepal


When it comes to the optical department, the phone houses a triple camera setup on the back. The main camera is a 50MP shooter with HDR, PDAF and an aperture of f/1.8. It is capable of shooting video up to 1080p at 30fps. And the second camera is an 8MP ultrawide unit with an f/2.2 aperture. To capture wide and cool angles, it has an FOV of 118 degrees. Followed by a 2MP f/2.4 macro unit, it completes the triple camera setup.

On the front, the phone sports a 16MP selfie snapper with an f/2.4 aperture. Just like the main camera, the front camera can record videos up to 1080p 30fps.

Battery, charging and other specifications

The phone is powered by a 5000 mAh battery. The lithium polymer cell supports fast charging up to 30W. Additionally, the company has provided a full 30W charger that comes in the box. Speaking of other features, the phone has Bluetooth 5.2, USB-C port, 3.5mm headphone jack, NFC, A-GPS, GLONASS, GALILEO, etc for connectivity.

Motorola G32
Motorola G32

Technical specifications

  • Dimension: 161.8 x 73.8 x 8.5mm
  • Lester: 184 grams
  • Display: 6.5-inch, FHD+ IPS LCD, 2400 x 1080 pixel screen resolution, 90Hz refresh rate, 20:9 aspect ratio, 85.4% screen-to-body ratio, 405 PPI density
  • Processor: Qualcomm SM6225 Snapdragon 680 4G (6nm)
  • CPU: Octa-core (4×2.4 GHz Kryo 265 Gold and 4×1.9 GHz Kryo 265 Silver)
  • GPUs: Adreno 610 GPU
  • RAM: 4GB
  • Memory: 64GB/128GB internal storage; expandable up to 1TB via dedicated microSD card slot
  • Software: Android 12 OS (Almost Stock Android)
  • Rear camera: Triple Camera Setup
    • Main sensor 50 MP, f/1.8 aperture, 0.64µm, PDAF
    • 8 MP ultra-wide-angle lens, f/2.2 aperture, 118° FOV
    • 2 MP macro sensor, f/2.4 aperture
  • Rear video: [email protected]
  • Front camera: 16 MP selfie camera, f/2.2 aperture
  • Before video: Until [email protected]
  • Battery: Non-removable 5000mAh Li-Po battery, 30W fast charging support
  • Colors: Mineral Grey, Satin Silver and Rose Gold
  • Security: Fingerprint (side-mounted) and face unlock
  • Sensor: Accelerometer, geomagnetic sensor, ambient light sensor, proximity sensor, gravity sensor
  • Network: 4G
    • 4G bands: b1, b3, b5, b7, b8, b20, b28 b38, b40, b41
  • Connectivity: Dual SIM (Nano-SIM, dual standby), Wi-Fi 802.11 a/b/g/n/ac, dual band, Wi-Fi Direct, hotspot, Bluetooth 5.2, A2DP, LE, GPS, A-GPS, GLONASS, GALILEO, NFC, USB Type-C 2.0, speakerphone, 3.5mm headphone jack, etc.
  • Prices in Nepal: Rs. 27,999 (4/128GB) [Expected]

Motorola G32 price in Nepal and availability

The price of Motorola G32 in Nepal can be expected at Rs.27,999. The official price of the Motorola G32 in Europe is 210 euros. And it will soon be launched in Latin America and India. It could also arrive in Nepal in the coming days.

Motorola G32 Price in Europe (Official) Prices in Nepal (expected)
4/128 GB 210 euros Rs.27,999
Motorola G32 Price in Nepal

The phone seems like a decent contender in the mid-range segment with a clean UI and triple cameras. But an AMOLED screen would have made this device much better.

Also Check:- Motorola Mobile Price in Nepal

So what do you think of the Motorola G32? Do you also want to see this phone in Nepal? Feel free to drop how you feel in the comments section below.

‘Hijrah’ moment: Coming out of the dark side of payday loans – Universities

Sri Rahayu Hijrah Hati (The Jakarta Post)


Jakarta ●
Fri, July 29, 2022

Indonesia has become a promised land for the development of the mobile payday loan market (locally known as Pinjol). Based on data from the Financial Services Authority (OJK), in April, 122 companies provide legal payday loan services online. But data from the Institute for Economic and Financial Development (INDEF) shows that 95% of payday loan services are illegal.

Many people today choose to borrow money on the payday loan because they (1) receive the money instantly, (2) face no restrictions on how to use the loan, (3) have a bad credit rating, (4) don’t need any collateral, and so on.

From a marketing perspective, many Chinese companies are entering the Indonesian payday loan market due to the tightening industry regulations set by their government. As the Indonesian market is still in its infancy, foreign companies expect to take a chunk of the domestic market ahead of any potential regulatory changes.

read the full story


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Welcome to IANS Live – NATION – Senior US official arrives in Nepal on Thursday amid growing US


Photo credit: IANS


New Delhi, July 28: US Undersecretary for South and Central Asian Affairs Donald Lu arrives in Kathmandu on Thursday evening amid heightened US-China rivalry.

Official sources said the senior State Department official is expected to hold separate meetings with Prime Minister Sher Bahadur Deuba and Foreign Minister Narayan Khadka on Friday.

A senior Nepalese foreign ministry official said Lu is on an unexpected visit which will discuss various bilateral aspects ranging from economic cooperation to security.

“This is a sudden visit and has no specific agenda from Nepal. However, the US side may address the issue of the State Partnership Program (SPP) to which the government of Nepal has already decided not to participate, believing that the program is an integral part of the United States’ Indo-Pacific strategy,” the senior development official told Indian Narrative on condition of anonymity.

On June 20, the Nepalese government had decided to stay away from the SPP, fearing that the country was part of an anti-China military alliance led by the United States. As expected, China was quick to welcome Nepal’s decision not to join the SPP.

Even though the collation government led by Sher Bahadur Deuba has decided not to go ahead with the SPP, it has yet to officially communicate with the US government to that effect.

A Foreign Affairs Committee of the House of Representatives, the lower house of Nepal’s parliament, also called on the government on Wednesday to immediately communicate to the US government that the country is no longer part of the program.

The U.S. official’s visit comes just two weeks after Communist Party of China (CCP) foreign affairs department chief Liu Jianchao was on a mission to bring together Nepal’s two communist parties – the Communist Party of Nepal (Marxist-Leninist united) and the Communist Party of Nepal. (Maoist Centre) ahead of the crucial general elections to be held in November this year.

As the United States and China vie for influence in Nepal through economic and strategic initiatives such as the Belt and Road Initiative (BRI) and the Millennium Challenge Corporation (MCC) Compact, observers say the Nepal becomes a battleground between great powers in a context of change. political scenario.

In February, the MCC Nepal Compact, a $500 million infrastructure and economic development grant from the U.S. government, was passed by Nepal’s parliament despite the discontent of the Chinese public. China and the United States have also engaged in a war of words over the MCC Nepal Compact, accusing each other of violating Nepal’s sovereign decision.

The Chinese Foreign Ministry accused the United States of employing coercive diplomacy against Nepal while the United States countered that it was China that was behind the delay in adopting the program. American MCC grants.

A month after the adoption of the U.S. MCC subsidy program, Chinese Foreign Minister Wang Yi visited Kathmandu in March where he said China would oppose any attempt to undermine sovereignty and independence of Nepal, to interfere in its internal affairs and to engage in “geopolitical games”. indirectly alluding to the growing presence of the United States in the country.

(Santosh Ghimire is a Nepal-based journalist who writes exclusively for India Narrative)

(Content is released under an agreement with indianarrative.com)

–Indian story

Updated: 28-July-2022

CLC Welcomes New Farm Business Management Instructors – Brainerd Dispatch

BRAINERD — The Farm Business Management Program at Central Lakes College has announced the addition of two new instructors, Narayan Dhakal and Erik Heimark.

This opportunity came through a grant from the Minnesota Agricultural Education Leadership Council to support urban agriculture and provide additional assistance to specialty crop growers.

Dhakal will focus on urban agriculture and serve the seven county metropolitan area. Heimark will serve the entire state, helping specialty crop growers.

Cory Detloff, director of agriculture and energy/farm business management at CLC, said he was delighted to have Heimark and Dhakal join the team.

“They will bring a wealth of knowledge to new populations who have not been able to participate in farm business management,” Detloff said in a press release. “I am thrilled to offer Farm Business Management in the seven-county metro area, as well as being able to once again offer Specialty Crop Farm Business Management.”

Originally from Nepal, Dhakal came to the United States to pursue graduate studies at the University of Minnesota, where he earned a doctorate in conservation biology. Dhakal brings over 20 years of experience in multidisciplinary community conservation, both in the United States and in Nepal. He has also volunteered for SCORE Minnesota, mentoring small business owners.

“I will bring new perspectives on mitigating adverse environmental consequences through responsible management of agricultural enterprises,” Dhakal said in a press release. “I believe that smallholder farm management is critical to producing the next generation of responsible agricultural business models and I hope my position as an FBM Instructor will also build community awareness in the production, processing, food management and marketing.

Heimark brings a background in education, having previously been a teacher of agriculture and industrial arts at Aitkin High School, a naturalist instructor at the Long Lake Conservation Center, and served as an orchard manager at a local orchard. Heimark owns and operates a five-acre vegetable farm with her husband in southern Aitkin County.

“I am excited to help specialty crop farmers grow and succeed in their craft and be part of the FBM community,” he said in a press release. “My goal is to help Minnesota become a recognized state for producing specialty crops and commodities and to increase the sustainability and profitability of these businesses.”

Sarah Dornink, executive director of the Minnesota Agricultural Education Leadership Council, said the organization is thrilled to partner with Central Lakes College to provide additional farm business management opportunities to underserved agricultural populations in Minnesota.

“We welcome Narayan & Erik to this important effort and look forward to supporting their work with urban and specialty farmers,” she said in a press release.

Keith Olander, executive director of AgCentric and Agricultural Partnerships with the State of Minnesota and CLC, added, “Minnesota Farm Business Management will increase its impact on farmers with these two positions added to our ranks. I am thrilled that Narayan and Erik are joining Minnesota FBM to serve specialty crops, urban and emerging farmers!

Arrival Thursday of US Assistant Secretary of State Donald Lu

US Under Secretary of State for South and Central Asian Affairs Donald Lu arrived in Kathmandu on Thursday, according to diplomatic and government sources.

This is his second visit to Nepal since November last year and the first since the Nepalese parliament ratified the Millennium Challenge Corporation after months of controversy.

Lu is expected to meet with Prime Minister Sher Bahadur Deuba and Foreign Minister Naryana Khadka.

Officials did not release further details.

Lu made headlines in Nepal in February after holding separate talks with Prime Minister Deuba, CPN (Maoist Center) Chairman Pushpa Kamal Dahal and CPN-UML Chairman KP Sharma Oli about the MCC.

According to officials and politicians familiar with the conversations, the message from Washington was that it would be forced to review its policy in Nepal if the MCC failed to pass parliamentary ratification.

Nepal ratified the MCC on February 27 after attaching an interpretative declaration.

The US official’s visit comes at a time when another US program – the State Partnership Program – has become a hotly debated issue in Nepal, with parties across the political spectrum calling for an end to Nepal’s partnership with the SPP.

On June 21, the government decided not to join the SPP, but the Foreign Office has yet to write a letter to the United States to that effect.

On Wednesday, the Parliament’s International Relations Committee instructed the government to brief it on the status of the SPP and why it has not yet written to the United States asking to end Nepal’s partnership in the program. .

According to the U.S. Embassy in Kathmandu, Nepal was accepted into the SPP in 2019 following two applications in 2015 and 2017. After this became a politically debated issue, the embassy said it was Nepal’s sovereign decision whether to be part of the SPP or not and that any country can just write a letter if they wish to terminate participation.

City Council Petition on Exorbitant Payday Loans | Letters to the Editor

Payday loans are small amount loans due on a borrower’s next payday. In Blue Earth County, in 2021, the average payday loan amount was $355, and the cost of borrowing that amount for two weeks was calculated at an abysmal annual percentage rate of 294%.

This exorbitant interest rate could be ignored if borrowers took out a loan, got out of debt and left satisfied. But that’s not the reality surrounding this predatory lending product.

Data from the Minnesota Department of Commerce shows that the typical payday loan borrower in Blue Earth County takes out an average of 14 loans per year, becoming trapped in a never-ending vicious cycle.

I strongly oppose such practices that exploit people’s financial problems for profit. This year my church fellowship, First Presbyterian Church of Mankato, signed on to be an approved organization for Minnesotans for Fair Lending.

This organizing group is seeking to pass a town-level ordinance in Mankato that would prevent the debt trap, mimicking an ordinance passed unanimously in Moorhead in 2020. Our congregation is passionate about social justice and advocacy, and we believe that supporting this cause is another way for us to put faith into action.

As a city, we have the power to create a more economically just community and to regulate these loans according to our values. I encourage you to reach out to Mankato City Council to learn more about this issue that impacts the lives of so many of our neighbours!

Bailey DeVetter


Living with Climate Anxiety | Nepali time


Still, many young people continue to fight. They do so despite the mental and physical cost that comes with their activism in the street, fight for a better future when they should be enjoying their lives to the full.

I don’t consider myself a climate activist. Despite the dedicationng my career at climate action, I also live with climate hypocrisy because, despite my largely sustainable lifestyle, I travel the world and have benefited from the largesse provided by fossil fuels.

Deep inside me, I know that the carbon credits I buy to offset my emissions are not very important: representing self recognition and a pat on the back gesture For myself. My climate hypocrisy probably fuels my climate anxiety even more in a vicious circle.

My climate anxiety is here to stay. And until there are structural changes in the transition of our economies, my climate hypocrisy is also here to stay.

If you’ve read this this far, you’re not alone. Talking about it and writing and working on the climate regularly, connecting with like-minded people, admitting double standard in response to the climate emergencyand spend time in nature help me overcome my anxiety, and keep my hope for the future living.

Rastraraj Bhandari to contributeare regularly in Nepali times on climate change.

Also Read: Climate Change Hits Himalayan Rice, Erica Wu

Why sanctions fail to stop Russia’s attack on Ukraine

This is the second installment of a three-part discussion between Asia-Pacific Initiative (API) leaders on the geoeconomics surrounding Russia’s war in Ukraine and changes in the international order. The discussion involved research director Yuichi Hosoya, a professor at Keio University School of Law; Ken Jimbo, executive director of the Japanese-American Military Statesmen’s Forum and professor at Keio University; and lead researcher Kazuto Suzuki, a professor at the University of Tokyo.

KS: In the previous episode, we discussed the characteristics of the Russian-Ukrainian war and the role of the United Nations, which is said to be dysfunctional. All three of us have come to the conclusion that the current UN is insufficient to create a world without war. In such a situation, the only thing that can stop war is deterrence.

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World leaders congratulate new Indian President Murmu

Draupadi Murmu is the country’s first tribal head of state and the second woman in this position

Draupadi Murmu is the country’s first tribal head of state and the second woman in this position

Several world leaders, including the presidents of Russia, Sri Lanka, Bangladesh and Nepal, congratulated India’s new president Draupadi Murmu, who took office on July 25, and expressed their desire to work with her to strengthen the multifaceted ties of their respective countries with India.

Ms Murmu, India’s youngest president and the first to be born after independence, was sworn in on July 25. She is the country’s first tribal head of state and the second woman to hold that position.

Russian President Vladimir Putin also congratulated Ms. Murmu and expressed the hope that she will further encourage productive bilateral cooperation.

“We attach great importance to the relations of a special privileged strategic partnership with India,” Putin said.

“I hope that your activities as head of state will promote the further development of Russian-Indian political dialogue and productive cooperation in various fields for the benefit of our friendly nations and in the interests of stability and ‘strengthened international security,’ he said in his July 24 message.

Sri Lanka’s newly appointed President Ranil Wickremesinghe congratulated Ms Murmu, recalling the close ties between the two nations and stressing that her leadership provides “new impetus” to joint efforts to maintain and strengthen the cordial ties they enjoy.

“Your appointment to this primary responsibility in one of the greatest democracies speaks to the confidence the government and people have placed in your caliber and political acumen,” Wickremesinghe wrote in his message.

The President of Bangladesh, Mr. Abdul Hamid, said he looked forward to working with her to advance mutual interests and strive for development, peace and prosperity in the region.

He said Bangladesh-India relations are rooted in shared history and culture, mutual trust and respect, long-standing friendship and continued cooperation.

“The invaluable support of the government and people of India during our war of liberation in 1971 marked a turning point in our relationship. Today, our cooperation spans a range of areas including trade, connectivity, water resources management , energy, border management and security,” Mr. Hamid said.

Maldivian President Ibrahim Mohamed Solih congratulated Ms Murmu on her “historic election”.

“His abilities and experience will undoubtedly lead India to greater heights. I look forward to furthering the close relations between the Maldives and India under his leadership,” he tweeted last week.

Nepalese President Bidya Devi Bhandari conveyed her well wishes to Mrs. Murmu and expressed her confidence in the cooperation between the two countries which will reach new heights during her tenure.

Nepali Prime Minister Sher Bahadur Deuba tweeted: “On behalf of the government and people of Nepal, I would like to extend my warmest congratulations to Smt Draupadi Murmu on his election as the 15th President of India. I am confident that the excellent bilateral relations between Nepal and India will see new heights in the days to come.”

Britain also sent its greetings to the President and expressed confidence that India-UK relations will “grow stronger” under his tenure.

Lord Tariq Ahmad, Minister of State in the Foreign, Commonwealth and Development Office (FCDO) for South Asia and the Commonwealth, took to Twitter on July 22 to send his “ badhai” in Devanagari script to the new Indian head of state. The tweet follows the former governor of Jharkhand’s confirmation as president-elect.

With outgoing Prime Minister Boris Johnson having now technically left office after his farewell address to Parliament last week, ahead of the election of a new Prime Minister in early September, 10 Downing Street said Lord Ahmad’s tweet from last week was the official British government. congratulatory message for the new indian president.

Ahmad is the official minister in charge of Indian affairs and sent the message in his capacity as minister for South Asia.

Watershed moment for India, says PM Modi after Murmu takes over as president


Draupadi Murmu with Odisha CM Naveen Patnaik during a meeting in Delhi. (Picture PTI)

Odisha CM Naveen Patnaik with BJD MPs meet Draupadi Murmu

BJD Supremo and Chief Minister of Odisha Naveen Patnaik along with MPs from his party met Draupadi Murmu here and congratulated her on her election victory.

Murmu hails from Odisha and also served as a minister in the BJD-BJP alliance government in the state. Patnaik congratulated Murmu on his landslide victory in the presidential election and wished him all the best, said BJD MP Sasmit Patra, who was accompanying him.

Murmu also conveyed his thanks to Patnaik for supporting his candidacy.

Describing her as the daughter of Odisha, Patnaik said Murmu’s election victory was a moment of great pride for everyone in the state, the chief minister said. the country’s first inspiring citizen and a shining example of female empowerment. –PTI

Calling Draupadi Murmu’s election “historic”, Union Home Minister Amit Shah said on Saturday that the BJP had always successfully taken the uncharted path when selecting presidential candidates , naming former presidents APJ Abdul Kalam and Ram Nath Kovind.

“Recently, the polls for the election of the President ended. Draupadi Murmu was elected the new President of the country by a large majority. It is obvious that only one of the two candidates vying for the presidential election will win, but for Draupadi Murmu to ascend to the position of President and for Smt Draupadi Murmu to become His Excellency Draupadi Murmu, it is nothing but a historic event in the past 75 years,” Shah said, addressing at an event organized by Gujarat Police in Gandhinagar on Saturday.

“For the first time after independence, a woman from a tribal community – also one of the most backward tribes, the Santhal – became the country’s first citizen. This is a very big victory for the country’s democracy,” Shah said.

A popular group dominating Nepalese music in the 1990s

As Om Padme Hum is chanted in the background, colorful lungtars (Buddhist prayer flags) float in the air and burning incense fills the mood. In the foreground was the six-foot-tall, burly Bibek Shrestha with a big smile on his face.

Bibek Shrestha is the soothing, magical-voiced man who captivated people in the 1990s. People gravitated to him because of his voice as wanderers lost themselves in his music. The songs of Kandara Bideshiyera Gayin Uni, Phulchoki Ko Dandaima, Timi Pari, Lekaki He Maya, Tagaroma Rumal Rakhi and Hong Kong Pokhara were all played in every nook and cranny of the city as well as at all gatherings and events.

It was a time when groups formed in every community. It was the time when people started to organize concerts, to record songs and to produce bands, with music at full volume. Some people did not like such a trend, and Kandara came to the rescue of those who did not like Western music and appeased not only the young people but also the older generation.

Thus began the era of Kandar.

A stroke of luck

Bibek Shrestha started singing professionally when her seniors at school offered her to sing a song for them. They took Shrestha to a recording studio, the first he saw in his life. Shrestha, 16, has recorded five songs.

There he first practiced singing and recorded Chanchale Kanchhi, which also became the name of the album.

Members of the Kandara group practicing in a room.

He also attributes his career to his classmate from Pokhara, Sunil Thapa. Thapa, at school, was her cheerleader who matched Shrestha beat by beat as he drummed on the desk. For a drama, Thapa even wrote a song “Aaja Bholi Raat Byujhayi Rahancha” and then 13-year-old Shrestha sang it.

At school, the duo even started a club where up to 50 people would get together and take part in musical and theatrical performances, exploring their interest in different musical instruments. Club members were so immersed that they went home just for meals or to do their homework.

Shrestha, who was also interested in football and cricket, would make time to go play sports outside of club hours.

Many members of the club started their own bands, including 24 Carat, which included people interested in the rock music genre. Deepak Raj Mulmi, Bijay Gurung, Buddharaj Bajracharya, Sunil Bhattachan and Anand Tajiya were part of the group. Over time, the 24 Carat group then transformed into Kandara.

Once the lyrics were ready, they would be absorbed in her. They sang songs, filled tunes and practiced. Thereafter, they easily recorded and then edited the songs for months. And, you could always feel the amount of effort they put into each song. Their songs have always boosted Kandara’s journey.

The growing impression

The first album was good as expected. But, from their second album Dada Paris arrived on the market, it went viral; the tapes sold out quickly, and the song began to play repeatedly on all radio stations, in restaurants, and even in public vehicles.

From that point of their trip to Hong Kong Pokhara, their success graph skyrocketed and they didn’t look back. Even in the era of no internet, mobile phones or FM stations, people were waiting for the songs from a few Radio Nepal programs. “I would wait for my name to appear on the radio. It was a privilege,” says Bibek Shrestha.

The band’s impression won them their first gig in Butwal, in 1996. The venue was small, but that didn’t stop Kandara’s fan base from pouring into the venue. Half the audience listened to Kandara live.

That day, the band performed not once but twice. And, Bibek Shrestha must have sung more than 15 songs in one concert. This means that that day he sang about three dozen songs.

After the stress and fatigue, he fell ill. But it also meant that concerts were organized for them in the evenings.

He fell ill from the heat and pressure of the stage.

Then the wave of concerts started and Kandara even performed overseas for the first time in India‘s West Bengal.

But late recognition

Kandara-Band practicing outside
Kandara group practicing outdoors.

Bibek Shrestha was very young when he first tasted fame, but his interest in music was there from the start. He was born in Pokhara and raised in Waling of Syangja. When he got on the public bus, he always checked whether the buses were playing music or not, always looked for a tape recorder on the bus, and only traveled on the bus that played songs.

When a music album was released, no one dwelt deeply on the marketing of the album like today. At the time, public transport was the only reliable way to get songs everywhere. Most of the songs from that era that went viral were heard and enjoyed by people using public buses.

It also meant that it was a time when people had to imagine what a singer would sound like just by listening to their voice. There was no social media, no YouTube, no TV; only audio cassettes were heard everywhere. People would wonder: who is the singer? How are the musicians? Who played the instrument?

Bibek Shrestha was the lead singer of the group, but many people would like the song but wouldn’t know that he sang the songs. In addition, on the cover of the first tape, he was standing on the sides while Sunil Thapa was in the middle, well dressed. So, many people thought that Thapa was the singer instead.

The public saw the full appearance of the singer only after the popularity of television and music videos.

The era of music videos

Kandara-Band music video practice
Kandara band in a music video.

When Kandara’s music was reaching its peak, the music video trend was also on the rise. Thus, Kandara also indulged in it.

They were called to Kathmandu for filming. When they arrived on the scene, the director played the song and said “Now dance, boys!!!” And, they started moving, dancing to their own tunes. He recalls, “There was no tendency to wear makeup either.”

Even after the music video was ready, they had to wait for it to air on TV. People who liked the music would buy the tapes and play it over and over.

Meanwhile, their names and photos began to appear in newspapers, including the most popular weekly tabloid, Saptahikwhich was a comprehensive entertainment package, released every Friday.

Another attraction of the publication was the weekly list of the 10 most popular songs. Kandara’s song Chanchle Kanchhi was also included in the tenth issue of the list. The next week, the song climbed the charts to number eight. The song was listed with Ramkrishna Dhakal’s Risaunda ni Aaphnai and Nepathya’s Chhekyo Chhekyo Deurali Danda.

But the industry was limited. Artists or bands used to collect royalties from the sale of tapes, but companies had no transparent system for keeping track of how many tapes they produced and how many they sold. Even with questionable records, Kandara’s first cassette sold millions and with subsequent albums Kandara rose to fame. From Hong Kong Pokhara to Tagaroma Rumal Rakhi, the group has created a glorious history.

The times have changed

As music changed, so did the style and language of songs along with technology. Bands held more gigs and the sale of tapes became history.

The folk-pop music market has slowed and Kandara has also been affected. And, sadly, the musical group that was once at the top of the 1990s has been sidelined.

After a long hiatus, the group released an album Bhedagothaimaa. But it couldn’t work like before.

Right now, Kandara is once again preparing to make a comeback. They announced their new benchmark with their new management structure. They are ready to have a commercial partnership with Nepgasm who will take care of the production of Kandara’s song and video as well as the management of their concert.

This story was translated from the original Nepali version and edited for clarity and length.

Carpooling to reduce fuel consumption, traffic chaos in 2022

Recently, Sujan Babu Adhikari wrote in a group chat at the Shangrila Development Bank office: “I’m going to get my car. Those residing on the Kalanki-Baluwatar road, rest your cars for the day and jump into mine. The time and place of departure were also mentioned in the message.

His Syuchatar colleagues, Ravi Bhawan and Kalimati all reacted with a thumbs up to his message saying they agree with the plan; carpooling to get to work. So, Adhikari picked up his colleagues and with a full house, they all proceeded to the bank’s headquarters in Baluwatar. That day, in the office parking lot, there were three fewer cars.

By now, the four employees have already started carpooling or regularly commuting to the office together. “Using a single car costs much less fuel and reduces traffic on the road,” says Adhikari.

Not just them, it’s been four months since Shangrila Bank employees started sharing cars and motorbikes, leaving their seats vacant, with a few exceptions.

After fuel prices started rising in the international market, all employees, including the bank’s CEO, started carpooling. “Our car park is now more convenient for customers as well,” says Adhikari, who is also the bank’s general secretary, adding that other people can also adopt carpooling if they want to save fuel and help make traffic management easier. of Kathmandu less chaotic.

The idea born out of necessity

With the outbreak of the Russian-Ukrainian war, fuel prices skyrocketed around the world. According to the Nepal Oil Corporation, five million liters of diesel and two million liters of gasoline, collectively worth Rs 1.22 billion, are consumed daily in Nepal.

As a country like Nepal, dependent on imported fuel, is affected by the debate on reducing fuel consumption, employees of Shangrila Development Bank have also started talking about reducing the use of vehicles to essence.

Shangrila Development Bank employees riding bicycles.

But how? During a discussion, the employees spontaneously had the idea of ​​carpooling, shared cycling or carpooling, and of using a bicycle. If possible and those who live nearby can also walk on foot. Recalling that discussion four months ago, Adhikari says the small effort to save the economy and the environment by reducing fuel consumption has now become a rule in the office.

The bank is also very proactive in the effort and in all of its 19 branches in the Kathmandu Valley, it has been practicing carpooling since last April.

Now, NMB Bank will also do the same, CEO Sunil KC informs. The bank might even implement a policy for the same.

‘You ride alone, you ride with Hitler’

Carpooling was heavily practiced in major American cities after World War II, causing a severe supply crisis. It is also called carpooling, carpooling or carpooling. At that time, to promote the idea, posters reading “You ride alone, you ride with Hitler” were hung everywhere.

Subsequently, the largest and busiest cities in the world have been known to practice carpooling to reduce traffic congestion and air pollution caused by fuels, epidemics and natural disasters.

A similar exercise took place in 2010 in Tehran, the capital of oil-producing Iran. Then the population reached 8.45 million, and the number of passenger cars reached three million. Due to lack of road infrastructure development, the city had become chaotic with frequent traffic jams.

To control the traffic jam, the government implemented a fuel consumption reduction policy, but it did not succeed. Even after increasing the price of fuel, consumption did not decrease.

Then the government adopted a carpooling policy. A study found that a 30% increase in carpooling saved 240 million liters of fuel per year.

carpool man
Representative image. Photo: Pexels/Oleksandr Pidvalnyi

Is the Nepalese government doing something?

Recently, during a press conference organized by the Ministry of Trade and Supply to inform about the increase in fuel price and tax, Secretary Ganesh Prasad Pandey was asked, “Sir, do you drive an electric vehicle Or a gasoline vehicle?

He laughed and said, “Where to buy an electric vehicle? The government has a policy of not buying new cars.

The reporter asked again, “Shouldn’t fuel consumption reduction measures start with you?” The secretary replied, “We all have to do it together.

So far, no concrete effort has been made to reduce fuel consumption. No ministry or agency in the premises of Singhadarbar has taken initiatives such as car sharing to reduce fuel consumption.

“They fill up the gas with a coupon (given to government officials) and hit the road. That’s what happened,” said a Commerce Ministry official, adding, “Many ministers and secretaries have up to three diesel and gasoline vehicles.

The House of Commons State Affairs and Good Governance Committee, responsible for making public bodies aware and thrifty as well as leading them in times of energy crisis, is inactive. The position of committee chairman is also vacant.

Previously, the government decided to reduce fuel consumption. But, the Ministry of Industry, Trade and Supply said that no institutional responsibility has been identified in this regard. In other words, the government has not taken measures to reduce fuel consumption.

This story has been translated from the original Nepali version and edited for clarity and length.

Life in a pickle | Nepali time


A year later, in 2018, she set out on her own to create her own brand of pickles LaKaC. The business took off and she called her husband back from Dubai.

Initially, Bhesh Raj admits he was embarrassed to be involved in the business. When they set up stalls at local market fairs, he would stand in a corner and stare at his wife. Five years later, he’s the one taking the lead, bringing the pickles to market and planning the company’s expansion.

“I was a migrant worker for 22 years and all I knew was how to do 12 hour shifts, go back to the dorm and repeat that daily cycle. Once I saw how much customers enjoyed our pickles, it motivated me to get more involved,” says Bhesh Raj, who fully credits his wife for motivating him and giving him the opportunity. to learn.

LaKaC offers a range of 21 varieties of sweet and savory pickles, including that of akbar, lime, mangoes and mushrooms. The business has grown and the couple have rented a shop along the highway and deliver the products to Palpa, Bhairawa, Butwal and further afield. The monthly turnover now exceeds Rs300,000.

What sets this company apart from other pickle companies is that the Giris also ensure that the spices and raw materials used are of good quality and meet hygiene standards. Those who visit the Shankarnagar shop have the opportunity to taste the pickles before purchasing.

In 2019, Parbati was nominated among the top five in the Mayor-Daayitwa Rural Business Acceleration Program and won a prize of Rs 50,000. LaKaC also won an award from a local cooperative.

She credits Daayitwa with training to develop business plans and strategy, as well as to communicate with the community.

Time Bank Promotes Elderly Care in China | Kathmandu Grandstand


By Wang Xinyue, Sun Chao, Yao Xueqing, People’s Daily

Zhao Xiuying, a 61-year-old resident of Nanjing, east China’s Jiangsu Province, picked up the prescription medicine from a community health center early in the morning and bought some vegetables on her way home.

She did not take the medicines and vegetables home, but to He, an 84-year-old woman who lives alone in the same neighborhood. Zhao runs errands for He twice a month.

After saying goodbye to He, Zhao opened a mini time bank program on his cellphone and “registered” this volunteer service to his account.

“My record was over 3,000 hours at most. I swapped some of them for groceries and plan to get massages and health services with the rest,” Zhao told People’s Daily.

Zhao lives in Yaohua Ward, Qixia District in Nanjing, where residents aged 60 and over make up more than 20 percent of the local population. The district was the first to set up a time bank in Nanjing in 2014, to explore a new model of care for the elderly – a reciprocity-based labor exchange system in which “the old serve the old”. .

The time bank encourages people to accumulate their hours of service through voluntary work, in order to exchange them for services or materials for elderly care when they grow old.

Wang Xiaohua is in charge of lobbying at the Yaohua District Time Bank Headquarters. According to her, 7,666 volunteers have opened an account in the time bank. They saved a total of about 420,000 bank service hours and redeemed services more than 690,000 times, Wang said.

Wang announced that the time bank was developed into “version 3.0” in 2019, while its management platform was updated and a mini-program was launched.

Volunteers can open an account, request services, and check their hours of service on the mini program, and the program automatically matches their information to requesters based on time, location, and age and gender. service providers.

The mini program has a simple user interface and adopts a large font size so that it is easy to use for older people. Instruction activities have been held in the neighborhood to help the elderly familiarize themselves with the mini program, while the traditional method of manual accounting is also kept in the bank, said Wei Yingbao, head of the time bank. of the Yaohua district.

In October 2021, relevant Chinese departments jointly released an action plan to further promote the development of smart health and elderly care industry between 2021 and 2025. The plan aims to strengthen support for information, upgrade relevant platforms, promote smart health services and implement other elderly care measures.

According to the plan, next-generation information technology and smart devices will be applied in homes, communities, nursing homes and other elderly care scenarios. Innovation needs to be done in ‘internet plus’ elderly care, time banking and smarter elderly care services.

So far, the successful experience of the time bank model has been promoted to more regions in China, encouraging the society to participate in volunteer services for the elderly and community governance.

The Beijing municipal government released a work report in January this year, which regards the development of the time bank model as a task. He said each hour of service could be redeemed for a “time coin” in the account, which could be used to purchase services or given to close relatives. Volunteers with 10,000 Time Coins will be entitled to live in government-funded nursing facilities.

Besides the time bank, other new models of elderly care are also being explored across China, such as a “care map” that shows the locations of empty nests and disabled elderly people for better voluntary services. , and a home doctor service platform where the elderly can place orders online.

An intelligent elderly care service system is being improved with the help of technology, promoting the high-quality development of the elderly care industry and enhancing the sense of happiness for the group of people. elderly.10184304

India provides $14.27 billion in development aid to neighboring countries

Under its Neighborhood First policy, India has extended a total of 37 lines of credit worth USD 14.27 billion covering 162 projects in five neighborhood countries including Bangladesh, Maldives, Myanmar, Nepal and Sri Lanka since 2017.

Another 222 lines of credit worth USD 14.07 billion covering 357 projects have been extended to 42 African countries. These projects cover various sectors such as roads, railways, energy, ports and navigation, telecommunications, health, education and aviation.

This was stated by Minister of State for External Affairs V Muraleedharan while answering a question on ‘development projects in foreign countries’ at Lok Sabha on Friday.

Under the Neighborhood First policy, development cooperation is an important component of India‘s engagement with neighboring countries. While undertaking these projects, Indian expertise is showcased in the planning and implementation of projects in a wide range of areas covering both infrastructure development and socio-economic development.

Development assistance to neighboring countries – delivered mainly through lines of credit, grants and capacity building programs – is provided by the Government of India under the India Economic Development and Assistance Program (IDEAS ) through the Exim Bank of India.

Grant projects are also being carried out in India’s partner countries in the neighborhood – including Afghanistan, Bangladesh, Mauritius, Maldives, Myanmar, Nepal and Sri Lanka – in areas such as rail links , roads and bridges, waterways, border links infrastructure, capacity building, health care, agriculture and community development.

The Minister informed that the selection of Indian executing agencies for projects under the Lines of Credit is done in accordance with IDEAS guidelines approved by the Cabinet and issued by the Ministry of Finance on March 31, 2022.

Read also: In 34 months and braving the Covid pandemic, Burhanpur in MP becomes the first “Har Ghar Jal” district in India

Tata Motors launches all-new Winger BS6 range in Nepal; The multi-utility vehicle will be available for cargo, school, staff, and tour and travel applications



* Built on the “Premium Tough” design philosophy, the all-new Tata Winger BS6 offers attractive styling

* Powered by DiCOR 2.2 liter engine; with flat torque ensuring unparalleled performance and fuel efficiency; with a slope of 25.8%

* Based on a monocoque chassis for car-like driving dynamics and comfort

Tata Motorsone of the world’s leading commercial vehicle manufacturers, has launched the all new range of Tata Winger BS6, in association with its sole authorized distributor, Sipradi Trading Pvt. ltdin Nepal. Built on the ‘Premium Tough’ design philosophy, the Tata Winger BS6 has a full range of applications which include cargo, school, personnel and tour & travel. The multi-utility van meets the evolving needs of new-age and discerning customers who seek performance, profit and comfort with style. Sipradi Trading Pvt Ltd will support sales and service across their national network.

Commenting on the launch, Mr. Anurag MehrotraVice President, International Affairs and Strategy, Commercial Vehicles Business Unit, Tata Engines said: “We are delighted that Tata Motors’ diverse and robust range of utility vehicles have been well received by the people of Nepal. Tata Winger BS6 is an ideal vehicle for customers looking for cost efficiency and reduced total cost of ownership (TCO). We remain certain of the dedication and zeal with which Sipradi Trading Pvt. ltd. will begin sales and service for the all new Winger BS6, continuing the support they have extended for many decades. We believe the Tata Winger will provide its customers with a top-notch experience, building on Tata Motors’ heritage of providing highly efficient and reliable products that ensure the highest customer satisfaction and profit.

Expressing his confidence, Mr. Siddhartha SJB Rana, Executive Chairman, Sipradi Trading Pvt. ltd. says, ‘As a well-known brand in Nepal, our priority has always been to bring world-class products and provide best-in-class customer service. Our partnership with Tata Engines has successfully delivered a range of excellent vehicles to the market over the past decades. With the launch of the all-new Tata Winger, we continue our commitment to provide our customers with the vehicles that offer the best performance, affordability and high efficiency. The Tata Winger is a suitable multi-utility vehicle with a lot of potential in the market of Nepaland we are confident that it will be highly appreciated by Nepalese citizens.

The brand new Tata Winger The BS6 is powered by the 2.2 liter DiCOR engine with improved torque and better fuel economy. It also offers an ECO switch and Gear Shift Advisor which helps increase fuel efficiency. Best-in-class 25.8% gradeability makes maneuvering on steep grades and overflights easier. Additionally, the Winger’s independent front suspension with anti-roll bars and hydraulic dampers ensure a smooth ride, as does its monocoque body design, which ensures car-like driving dynamics and low noise levels. , vibration and harshness (NVH).

The Winger School is equipped with an effective braking system with ABS to ensure safe driving. The vehicle is also equipped with the FDSS (Fire Detection and Extinguishing System) system and powerful fog lights, which provide excellent visibility. The Winger School modern features ensure a safe and comfortable ride for children. The Winger Cargo is aimed at contemporary urban consumers who seek high performance with the best aesthetics in the segment. It is the perfect solution for large captive applications that require speed, safety, comfort and convenience in addition to safe delivery of cargo. It offers a high payload capacity of 1680 kg and a large loading area of ​​3240x1640x1900 mm.

About Tata Engines

Part of the $109 billion tata group, Tata Motors Limited (NYSE: TTM; BSE: 500570 and 570001; NSE: TATAMOTORS and TATAMTRDVR), a $34 billion organization, is one of the world’s leading automotive manufacturers of cars, commercial vehicles, vans, trucks and buses, offering a wide range of integrated, intelligent and electric mobility solutions. With “Connecting Aspirations” at the heart of its brand promise, Tata Engines is india leader in the utility vehicle market and among the top three in the passenger vehicle market.

Tata Engines strives to bring new products that spark the imagination of GenNext customers, powered by state-of-the-art design and R&D centers located in India, UKWE, Italy and South Korea. With a focus on engineering and technology-driven automotive solutions that meet the future of mobility, the company’s innovation efforts focus on developing pioneering technologies that are sustainable and fit for purpose. changing market and customer aspirations. The company is a pioneer india Electric vehicle (EV) transition and driving the transition to sustainable mobility solutions by developing a bespoke product strategy, leveraging synergy between Group companies and playing an active government liaison role in the development of the policy framework.

With operations in Indiathe UK, South Korea, Thailand, South Africa and Indonesia, Tata Motors’ the vehicles are marketed in Africa, Middle EastSouth & South East Asia, Australia, South America, Russia and other CIS countries. From March 31, 2022, Tata Motors’ operations include 86 consolidated subsidiaries, two joint ventures, four joint ventures and 10 equity associates, including their subsidiaries, over which we exercise significant influence.

About Sipradi Trading Pvt. ltd.

Sipradi Trading Private Limited is a major player in the automotive and related business and is one of the largest and fastest growing brands Nepal. 38 years later, Sipradi has surpassed $350 million annual revenue and continues to grow rapidly in the automotive, lubricants, financial services and equipment sectors. The entire staff worked together towards a common goal – To provide quality products and services while adding synergy to the growth of the overall brand value.

Sipradi Trading Private Limited (STPL) was the sole distributor of Tata Motors Ltd. India vehicles, for Nepal since 1982 and is ISO 9001:2015 certified. The company provides sales, service and parts, installations for the full line of Tata Motors’ commercial and passenger vehicles. The company has huge networks across Nepal with 29 branches in the sales network and 53 service centers dedicated to utility vehicles.

Consultant, Supply Chain Specialist | ReliefWeb



The International Planned Parenthood Federation (IPPF) is a leading global service provider and advocate for sexual and reproductive health and rights for all. A federation of 142 Member Associations (MAs), IPPF works in 172 countries and manages over 45,000 service delivery points worldwide. IPPF aims to ensure that all people are free to make choices about their sexuality and well-being, in a world free from discrimination.

Since 2017, IPPF’s humanitarian program has provided global assistance to people in crisis. The council will support countries engaged in the SPRINT IV initiative funded by the Australian Department of Foreign Affairs and Trade (DFAT), covering 14[1] countries in the Asia-Pacific region. The role will work with both the humanitarian team (global) and the development team of regional offices covered by the SPRINT programme.

[1] Region Asia 1. Pakistan 2. India 3. Sri Lanka 4. Indonesia 5. Myanmar 6. Nepal 7. Philippines 8. Maldives

Pacific Region 1. Papua New Guinea 2. Fiji 3. Solomon Islands 4. Tonga 5. Vanuatu 6. Samoa


In an emergency, a strong supply chain is needed to deliver life-saving drugs and equipment to deliver services. The purpose of this role is to support IPPF MAs to improve their supply and logistics capacity.

There are 14 countries supported by SPRINT projects in the Pacific and Asia region. The role will work across the humanitarian-development nexus, focusing on the foundational supply activities that take place at the preparedness stage of a humanitarian crisis. At the national level, the consultant will work directly with the MA (either the Logistics Focal Point and/or the Humanitarian Focal Point or the relevant person) to improve capacities based on previous assessments and international guidance.[1]

IPPF’s humanitarian team and regional offices in South Asia (Delhi), East and South East Asia and Oceania (Kuala Lumpur) and the Pacific (Suva, Fiji), will support activities undertaken and can be used as resources to be shared locally. adapted and innovative ideas.

You will report directly to the Senior Sexual and Reproductive Health Advisor and work closely with the ESEAOR Office Programs and Performance Director.

[1] John Snow International (2019) Supply Chain Managers Handbook – A Practical Guide to Health Commodity Management. This can be viewed at: https://publications.jsi.com/JSIInternet/Inc/Common/_download_pub.cfm?id=18491&lid=3


Essential outputs include, but are not limited to:

  • Conduct two MA supply chain capacity assessments (remotely) to better understand MA capacity using the adapted SCHERA questionnaire in India and Maldives*.
  • Support (minimum 11) of MAs to assess the need and requirements (often establish) a safety stock. Including creating a system to support the supply chain (including rapid product release plans) during humanitarian crises, this may include:
    • Creation of a provisional plan and supply of materials
    • Clarification of key supply chain functions within the AG
    • Improvement in storage and distribution
    • Possibly establishing a list of key partners and focal points (public and private sectors) to help with in-country warehousing and logistics solutions
  • Tailored training on key elements of supply and logistics as required, likely including (quantification and forecasting) to assess and report consumption to relevant stakeholders. These trainings will build on previous work done on supply and logistics.
  • Socialize IPPF procurement guidelines drafted by central office and regional offices as appropriate
  • Support the update of regional office supply and logistics guidelines as needed


  • 2 supply chain assessments (India and Maldives)
  • The establishment/formalization of a security stock in the 14 MAs (if possible, at least 11), including policies, procedures that are created/updated in collaboration with the MA. The procedure will include forecasts and contingencies for product availability in humanitarian situations. This can take the form of a Standard Operating Procedure
  • Collaborate with managing authorities and regional offices to update/create policies and procedures (SOPs) for the management of supplies in a regular and humanitarian context. (To be completed in at least 10 of the countries covered +/- 1 regional office)
  • Training tailored to individual MA needs (ideally at least one per country), usually to update policy and processes.
  • Field visits to at least 6 of the countries covered (at least 2 Pacific Island countries) to collaborate and develop staff on bespoke supply and logistics requests

2 webinars on supply and logistics (minimum 1 dealing with supply and logistics in humanitarian contexts), with the participation of at least 12 of the 14 AMs

  • Submission (written and oral) of a final report and recommendations


Education: Advanced university degree in supply chain or logistics management or related field. Qualifying experience may be accepted in lieu of an advanced university degree.

Knowledge and experience: • Five years of professional experience in medical and/or humanitarian supply chain management or logistics; • Manage operations for the supply, distribution, storage and transport of medical supplies in emergency situations (commercial, NGO or with an international organization); • Experience in difficult and complex humanitarian/emergency contexts and experience in the development, implementation and facilitation of adult learning programs/trainings is desirable.

Basic skills:

  • Work effectively under pressure in a low-resource environment
  • Adapt to change and manage ambiguity.
  • Demonstrates respect for gender and diversity in humanitarian and/or development contexts.
  • Engage respectfully and appropriately with national counterparts
  • Ability to establish and maintain productive partnerships.
  • Adapt supply chain guidance to suit local context
  • Communicate clearly and effectively
  • Maintain ethical and professional behavior in accordance with applicable codes of conduct and policies.
  • Works collaboratively with colleagues, partners and others to achieve goals.


  • Mastery of the MS Office suite (Word, Excel, Outlook)

Languages ​​: Fluency in English is required


Travel Requirement: International travel is required to work and provide direct support to MAs. This will be covered in accordance with IPPF policy.

How to register

Applicants should email their CV and a QUOTATION FOR SERVICES to Pauziah Ali at [email protected]

Chitwan receives record number of visitors but revenue plummets

Chitwan National Park received a record number of visitors in the last fiscal year ending July 16, as national safari enthusiasts swarmed the jungle, happy to be free from virus restrictions.

Park spokesman Ganesh Prasad Tiwari said 190,458 thrill seekers including 155,671 Nepalese visited the park in the 2021-22 financial year.

In the financial year 2019-2020, the number of visitors was recorded at 187,109, including 44,623 Nepalese.

Tourist arrivals to Chitwan National Park, located in the Tarai Plains in south-central Nepal, have returned to pre-pandemic levels, officials said.

Foreign tourists stopped coming to Chitwan after the Covid-19 pandemic, but the number of Nepalese tourists started to increase. Park data shows that 89,441 Nepalese visited the park in the 2020-21 financial year.

“The number of domestic tourists was not so large before the coronavirus outbreak. But during the pandemic, Nepalese tourists have become the saviors of the local tourism industry, including resorts and hotels in Chitwan,” said Deepak Bhattarai, Chapter President of Hotel Association Nepal Sauraha.

Established in 1973, Chitwan National Park is the country’s first national park. Characterized by thick tropical jungle, the park is a habitat for rare wildlife like the one-horned rhinoceros and the Bengal tiger. Tourists come from all over the world to see these animals.

Tourists are also attracted by the customs and cultures of the local communities like the Tharu and Kumal residing near the protected area. Tourists visit the national park by jeep and on elephant back. Canoe trips on crocodile-infested rivers and jungle walks are also hugely popular activities.

In recent times, meetings, seminars and large conventions, including wedding ceremonies, are held in hotels around the park.

Biplap Paudel, owner of Barahi Jungle Lodge, said many large wedding receptions take place at the hotel.

Poudel said Nepali tourists were providing good deals at a time when tourists from foreign countries were stopping coming due to travel restrictions.

“It was not possible to travel abroad during the pandemic, and these high-spending Nepali tourists came to our hotel,” Paudel said.

Bhattarai said programs such as symposia, seminars and conventions were held in large numbers. There has also been an increase in the number of Indians coming to Sauraha hotels for weddings from neighboring Indian towns.

Paudel said attracting foreign tourists to Chitwan would be top of the agenda now that the pandemic has subsided.

“The promotion of Chitwan National Park to domestic tourists is going well. With the normalization of Covid-19, more foreigners will come,” Poudel said.

“Nepalese tourists may not come in large numbers, but if tour programs are created with proper planning, domestic tourists with money to spend may still come to visit the park,” he said. -he declares.

Most of the domestic tourists who come to the park enjoy elephant rides, jeeps and boat rides. Baghmara Buffer Zone Community Forest near Sauraha organizes both elephant safaris and boat trips.

Jit Bahadur Tamang, chairman of Baghmara Community Forest, says there are records of regular domestic tourists coming six or seven times for elephant and boat safari.

“I think new tour programs should be added to Sauraha,” Tamang said. “Domestic tourists visiting the park should be well informed about the characteristics of wildlife tourism, the importance of wild animals and their habits.”

Rishi Tiwari, chairman of the United Elephant Cooperative run by elephant herders who run elephant safaris in the community forest, says more than 150,000 domestic tourists have visited the park.

“The number of people who bought entrance tickets to visit the park has increased. There are other places in Sauraha that don’t require tickets, and they also attract more tourists,” Tiwari said.

“There are other places in Sauraha where you don’t need an entry ticket,” Tiwari said. “Over 200,000 domestic tourists visit Sauraha every year.”

Tiwari, who is also a hotelier, says there is a need to offer new programs in addition to the usual jungle safaris and tribal dances by studying the interest of domestic tourists.

“Nepalese are interested in nightlife. But that’s not Sauraha’s specialty, and something has to be done about it,” Tiwari said.

Although the spending habits of Nepalese and foreign tourists are roughly the same, insiders say government revenue and foreign exchange earnings will only increase if foreign tourists come. Tax rates for domestic and foreign tourists are very different.

Chitwan National Park achieved a turnover of Rs 294 million in the financial year 2019-2020. But in the last financial year, even with the record number of tourists, the park earned only about 115 million rupees, insiders said. Revenues plunged due to lower numbers of foreign tourist arrivals.

“It’s good that the number of domestic tourists is increasing, but foreign tourists are important for generating revenue,” Bhattarai said. “Future tourism plans should be developed with these elements in mind. Government, hotel associations and tourism professionals should bear this in mind.”

Ballot campaign to curb short payday loan signings

GRAND RAPIDS, Mich. (WOOD) – The Michigan Office of Elections has determined that organizers of a ballot campaign to limit interest and fees charged by payday lenders failed to collect enough voter signatures valid.

Based on the results of a random sample of 522 signatures, Michiganders for Fair Lending collected approximately 274,668 valid signatures, short of the roughly 340,000 needed, aaccording to a Michigan Bureau of Elections report released on July 15. The sample had been drawn from around 380,000.

The bureau determined that many were ineligible due to missing information or a traffic error.

“Michiganders for Fair Lending is disappointed with the Board of Elections staff report which concluded that this year’s petition campaign did not meet the signature requirement. As widely reported in the media, this has been a difficult year for all petition campaigns in Michigan,” campaign manager Inna Mirzoyan said in a statement. “Despite this disappointment, the Fair Lending Coalition remains motivated and committed to payday loan reform.”

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From creepy cats to haunted palaces, Frontières shines the spotlight on trending international genre projects | Features

Genre projects about haunted palaces, demonic spirits and scary cats are just a few of those looking to raise funds at the Frontières Co-Production Market taking place this week in Montreal.

Organized by the Fantasia International Film Festival in Montreal with the participation of the Cannes Market, the Frontières 2022 Co-production Market includes 18 genre projects in the official selection. Six other projects are presented at the Forum Finance & Emballage de Frontières.

Projects in the Co-Production Market are a diverse and truly international group, from countries such as the UK, USA and Canada to Palestine, the Philippines and Nepal.

All hope to follow in the footsteps of genre projects such as Hatching, Lamb, The Long March, Sea Fever, Vivarium and Raw who enjoyed success in theaters or at festivals after pitching at Frontières.

This year’s Fantasia opening Polaris originally presented at Frontières, as was the Canadian feature by Cody Kennedy and Tim Rutherford The Latest Video Store and Finnish-Iranian action thriller Layers of lies. Wild Bunch, for example, boarded Kjersti’s Norwegian feature film Helen Rasmussen The nightmare at Frontiers.

The 18 projects in the Official Selection were selected from among 120 projects by the Frontières jury. To do the editing, the projects need an attached producer, a preliminary financial plan and a first draft of the screenplay.

The six Forum titles, meanwhile, were chosen from 26 submissions. Each needs at least 20% of their funding in place to be selected.

The teams will present all of their projects live and will have the chance to network with some 300 leaders from the international genre film industry, including from Amazon, Hulu, Disney+ and Universal, as well as filmmakers participating in Fantasia.

Growing demand


They do so at a time of growing demand for genre films. Major festivals are increasingly open to including genre films in their programming; for example, Cannes opened this year with Michel Hazanavicius’ zombie film Final cut. Content-hungry streamers have also provided a platform for genre filmmakers to find audiences.

Frontiers chief executive Annick Mahnert took over the running of Frontiers from Lindsay Peters in 2020, but this year marks the first time she has been able to oversee the event in person. Last year’s selection, she says, was heavily influenced by the pandemic, with a number of disease and transformation projects.

This year, Mahnert says there’s “a bit of everything.” Science fiction is strong: there is a Philippines-Japan-Canada project quantum suicide about a Filipino immigrant to Japan tasked with destroying the “Quantum Rifle,” a powerful device that can transport individuals to an alternate reality; Dutch project Space Beers, about a group of fellow Scottish drinkers and their new alien friends, embarking on an intergalactic adventure to save Earth from a divine alien with abandonment issues; and Spanish function The trail of the wolfwhich sees a daughter trying to save her father in a crowded world where life ends at 55.

Many projects are rooted in their own culture, says Mahnert. These include all of Africa The killing of a beasta realistic magic tale directed by Vusi Africa, and revenge thriller Palestine-Jordan-Sweden Weedestine, about an auto mechanic living in the lawless “Area-C” of Palestine seeking revenge for the death of his eldest son. The Nepalese set The palace, Meanwhile, is the story of a family caring for a remote Himalayan palace terrorized by ghosts that was inspired by the real-life massacre of the Nepalese royal family in 2001.

Other notable projects this year include Melanie Jones’ Canadian surreal thriller Backtrack, about a woman who comes to terms with herself after an accident hiking the West Coast Trail. Aram Garrig’s Spain-Italy project Jeanne- which took part in Sitges Pitchbox last year – is based on the true story of an actress joining the cult of British occultist Aleister Crowley in the 1920s. beasts of preymeanwhile, is an Italy-Denmark psychological horror about a lonely wealthy woman whose life is turned upside down after a feline predator kills her newborn daughter before her eyes.

Two UK projects are also seeking market backing this year: Supernatural Horror by Stéphanie Joalland Bougul Noz, about a 15-year-old English girl who is sent to a rural community in Brittany where she falls prey to a woodland creature; and Zam Salim Wander, about a seemingly ordinary albino cat taken in by a family, leading to dark and terrifying consequences.

Mix of filmmakers

Frontières is open to experienced directors and producers as well as beginners. “I personally really like to encourage these new directors more, because I think there are a lot of ‘golden bars’ out there. It’s up to us to discover these new talents,” says Mahnert.

Frontiers has built a solid reputation for helping to get genre projects off the ground, and Mahnert pays tribute to his predecessor Peters’ “tremendous amount of work” and the “incredible team” who worked on the editing of this year. “We only succeed because there are good projects going on. We’re lucky to have some reach now – people know Frontiers. They have seen the successes and they know how important it is.

The Frontières Coproduction Market will take place from July 21 to 24 and the Forum from July 22 to 23, both in Montreal.

Borders Official selection of the 2022 Coproduction Market

A void in the shape of a boy (WE)
Dir: Lucas Amann
Producers: Lee Stobby, Dane Eckerle, Daniel Brandt
Genre: Horror

beasts of prey (It-Den)
Dir: Andrea Corsini
Producers: Federico Grisi, Giorgia Priolo, Per Damgaard Hansen
Genre: Psychological horror drama

bloody bunny (Box)
Directors: Kat & Karissa Strain
Directed by: Laura Tremblay
Genre: Horror

Bougul Noz (UK)
Dir: Stephanie Joalland
Producers: Stephanie Joalland, Sean McConville
Genre: Supernatural Horror

bedrooms (WE)
Directors/prod: Nicole Daddona, Adam Wilder
Genre: Fantasy, comedy

Camp (Box)
Dir: Avalon Fast
Producers: Michael Peterson, Peter Kuplowsky, Taylor Nodrick
Genre: Horror

fox-blood (Canada QC)
Dir: Benjamin Steiger Levine
Producer: Pierre Even
Genre: Horror

I invoke you (Australia)
Dir: Michael Anthony Kratochvil
Producer: Kristian Moliere
Genre: Horror

Joan (Spit)
Dir: Aram Garriga
Producer: Carles Torras, Aram Garriga
Genre: Esoteric Drama

quantum suicide (Phil-Jap-Can)
Dir: Mikhail Red
Producers: Taro Imai, Micah Tadena, Michael Peterson
Genre: Science fiction

Space Beers (Net)
Director: Bouke van Veen, Maurice Schutte
Producers: Maurice Schutte, Nan Reunis
Genre: Science fiction, fantasy, adventure

Wander (UK)
Dir: Zam Salim
Producers: Charlotte Wontner, David Brown, John Archer
Genre: Psychological Horror

Surgat (WE)
Directors: Michael Borowiec, Sam Marine
Producer: Josh Ruben
Genre: Horror, drama

Backtrack (Box)
Dir: Melanie Jones
Producers: Kristyn Stilling, Eli Morris, Melanie Jones
Genre: Surreal Drama, Thriller

The killing of a beast (All)
Dir: Vusi Africa
Productions: Naledi Bogacwi, Vusi Africa
Genre: Magical realism

The palace (USA, Nepal)
Dir: Anil Baral
Producers: Deepak Rauniyar, Anil Baral
Genre: Horror

The trail of the wolf (sp)
Dir: Angeles Hernandez
Producers: David Matamoros, Angeles Hernández
Genre: Thriller, Fantasy, Science Fiction

Weedestine (Pal-Jor-Swe)
Dir: Said Zagha
Producer: But Salman
Genre: Revenge Thriller

Borders Forum 2022 selection

Firecrackers at midnight (US-Guat)
Dir: Christa Boarini
Producers: Christa Boarini, Dominic Medina
Genre: Thriller, magical realism

Outer edges (UK)
Dir: Kelsey Egan
Producer: Jade Alexander
Genre: Science fiction

Penny Lane is dead (Australia)
Dir: Mia’Kate Russell
Producers: Andre Lima, Matt Hearn
Genre: Horror

Seeds (Box)
Dir: Kaniehtiio Horn
Producers: Jennifer Jonas, Leonard Farlinger
Genre: Action, Thriller, Native Heist

The ice talker (Box)
Dir: Benjamin Ross Hayden
Producers: Benjamin Ross Hayden, Avi Federgreen
Genre: Science Fiction, Indigenous Futurism

Wound (Swiss)
Dir: Tillo Spreng
Producer: Noah Bohnert
Genre: Dark romance, fantasy

Advocates call for restrictions on ‘predatory’ payday loans | Local News

Local nonprofit advocates plan to ask the Mankato City Council to impose interest rate caps on what they call “predatory” payday lenders.

Payday loans, which are typically $500 or less, give borrowers quick cash to pay off in full at a high interest rate on their next paycheck. Critics say the loans target people in dire straits, luring borrowers into ‘debt spirals’ they are unable to repay, while companies offering them have claimed they are loans short-term for people with otherwise limited credit options.

After gaining little ground on a statewide cap with the Minnesota Legislature, attorneys held a briefing on Wednesday to outline what a city ordinance regulating the industry in Mankato might look like. .

Minnesotans for Fair Lending, Minnesota Council of Churches Mankato Refugee Services Office, United Way of Greater Mankato Area and Exodus Lending partnered with the event at Shared Spaces. Exodus Lending is a non-profit organization that helps pay off people’s payday loan debt.

Lead presenter Sophia Hoiseth, a community engagement specialist at Refugee Services and Fair Lending’s Mankato organizer, said the issue needed a “champion” on Mankato City Council.

“It would be really exciting for Mankato to be some kind of state leader on this,” she said. “And it’s close at hand; It’s entirely possible.”

A draft order provided no more than a 33% interest rate on payday loans. The average annual interest rate on payday loans in Blue Earth County in 2021 was 294%, according to data shared at the event.

People would also be limited to two loans of up to $1,000 per calendar year under the order, with a minimum repayment period of 60 days. Blue Earth County borrowers took out 14 loans averaging $355 in 2021, according to figures provided at the meeting.

Blue Earth County is said to have the third highest rate of payday loans issued per capita in Minnesota. Payday America in Mankato is the only current payday loan company in Blue Earth County.

Mankato would have a precedent to work on if the elect were to pursue an order. The city could model its ordinance on what Moorhead passed in 2021, Hoiseth said, and licensing requirements for lenders could resemble those for tobacco and liquor sellers.

Heidi Durand worked on and supported the ordinance as a member of Moorhead Town Council. Now a municipal policy specialist with Minnesotans for Fair Lending, she offered advice to Mankato advocates at Wednesday’s meeting.

“I think it just needs to be clarified very, very early on that no one is forcing anyone to leave or close their doors,” she said. “We just ask to follow a few simple requirements.”

Before Moorhead’s order capping interest rates at 33% came into effect, a Moorhead payday lender told MPR News it would be nearly impossible to run the business.

While Minnesota isn’t among them, 18 other states have banned or capped payday loans. The lack of progress among state lawmakers prompted Minnesotans for Fair Lending to pursue a city-to-city model.

In the Legislative Assembly, people working on the issue have come up against a “mythology that payday lending or predatory lending is an urban poor problem,” said Fair Lending for Justice organizer Meghan Olsen Biebighauser. economic.

“We sometimes had a hard time imposing ourselves with lawmakers who weren’t in Minneapolis or St. Paul proper,” she said. “And we just know from the data we have from the Department of Commerce that it affects communities in Greater Minnesota just as much and often more than urban centers.”

After an event focused on disseminating information, Hoiseth said she was confident it would spark enough interest in the issue to produce results in Mankato.

“It’s something we can and will do,” she said. “It’s just about making sure the right people hear the right information.

Follow Brian Arola @BrianArola

Follow Brian Arola @BrianArola

Indian fact checker arrested over tweet gets bail

NEW DELHI – India’s Supreme Court has granted bail to Mohammed Zubair, a prominent fact-checker and journalist who shed light on ruling party spokesman Nupur Sharma’s controversial comments against the Prophet Muhammad (as ).

The high court on Wednesday ordered that Zubair be immediately released from jail, saying there was no justification for keeping him in custody.

Since his arrest in late June following a tweet, Zubair had spent most of his time shuttling between prisons and courts.

He was moved by police in and out of a courtroom in Delhi and then, as new charges piled up against him, he was taken to a remote town on the Indo-Nepal border for investigation.

Delhi police arrested him on June 27 for a 2018 tweet for “insulting Hindu religious beliefs”. They later cited other charges against him, including criminal conspiracy, destruction of evidence and receipt of foreign funds.

A few days later, police in the state of Uttar Pradesh in the north of the country took him into custody. They accused him of using an ‘offensive term – hatemongers’ to describe three Hindu religious leaders who were seen in videos engaging in hate speech, inciting violence against Muslims or threatening to violate Muslim women. On July 8, the Supreme Court granted him a five-day provisional release in this case after learning that he was the subject of death threats. The high court then extended his bail on July 12 and said a final hearing into the police complaint against him would be held on September 7.

On July 15, a Delhi court also granted him bail in the original case for which Delhi police arrested him. But he was still in custody due to the half-dozen cases brought against him by Uttar Pradesh police.

On Wednesday, the Supreme Court ordered Uttar Pradesh police to bludgeon all complaints against Zubair and transfer them to Delhi police.

A telecommunications engineer based in the southern city of Bangalore, Zubair co-founded Alt News in 2017 with former software engineer Pratik Sinha to fight fake news.

Over the past five years, the website has played a key role in debunking claims that spread misinformation about religion, caste and unscientific myths.

With more than 3,000 articles that have been viewed more than 60 million times, Alt News has been in the crosshairs of the government since its creation in 2017, particularly because of its focus on fake videos and messages that target the minority Muslim community. from India.

A digital forensics expert, Zubair is known for tracking down the origins of unknown images and videos that are often distorted on social media and even mainstream media.

It’s unenviable work – hours spent sifting through photographs and videos of hate, violence, lies and propaganda.

Recently, he also began overseeing “UnHate” – a new Alt News project that documents hate speech.

Described as “a very determined and dedicated man” by those who know him, Mr Zubair is a prolific tweeter with over half a million followers and is regularly trolled and abused by accounts claiming to be Hindu nationalists.

Days before his arrest, he posted emails from Twitter saying some of his tweets criticizing Islamophobic comments by Hindu leaders were ‘withheld’ – meaning they cannot be seen in India – at the request law enforcement authorities.

In court, Zubair said he was arrested because of his work and because he is a Muslim.

Supreme Court lawyer Colin Gonsalves, who represented Zubair in the highest court, told the BBC there was no case against the fact-checker and that he “is a thorn in the side of the government because it single-handedly tackles hate crimes”.

Police said they were also investigating questionable foreign remittances to his bank account – an allegation he denied.

Opposition leaders, journalists and activists criticized Zubair’s arrest, saying he was being harassed for constantly speaking out against religious bigots and hate mongers.

The timing of her arrest, critics pointed out, was linked to her widely shared tweet which highlighted Ms Sharma’s comments during a televised debate in late May.

His remarks infuriated Indian Muslims and placed the ruling Bharatiya Janata Party (BJP) government in a diplomatic predicament as several Muslim countries protested vigorously against India.

As calls grew for Ms Sharma’s arrest, the BJP dropped her as spokesperson, she went into hiding and police said they had stepped up security.

But Ms Sharma’s supporters on social media quickly began calling for Zubair’s arrest after she accused him of ‘inciting hatred against’ her, which had earned her ‘threats of rape and death” on Twitter.

Hashtags such as #arrestzubair started to become popular and exactly a month later Delhi police called him for questioning over a photo he had posted of a man accused of assault.

As the photograph showed a child sitting next to the man, police said it could be a case under the strict Child Sexual Harassment Act, POCSO. But the photograph of the child had been blurred as required by law.

Police later arrested him for a four-year-old tweet, commenting on a photograph of a hotel sign, changed from “Honeymoon Hotel” to “Hanuman Hotel”.

The complaint against him came from an anonymous Twitter account called Hanuman Bhakt, meaning worshiper of the monkey god Hanuman, which called Zubair’s tweet a “direct insult” to Hindus.

The anonymous account, created last October, had only one subscriber at the time of the complaint to the police. Following the police complaint, it was deactivated, but has now been relaunched and has over 2,240 subscribers.

Many have also questioned the motive for the arrest after learning that the photo was actually a screenshot from a 1983 Bollywood comedy by acclaimed director Hrishikesh Mukherjee.

In an editorial titled Theater of the Absurd, The Hindu newspaper wrote that Mr Zubair “was forced to pay for bringing wide attention to Ms Sharma’s despicable remarks” and described him as an example of “the intolerance and characteristic government resentment of fact-checkers”. who frequently expose his claims”.

International rights groups and the United Nations have also expressed concern over the arrest – a spokesman for UN chief Antonio Guterres recently said that “journalists should not be imprisoned for what ‘they write, tweet and say’.

Germany also weighed in on the issue – a Foreign Office spokesman said “journalists should not be persecuted and imprisoned for what they say and write”. India responded by saying that the matter was pending in court and that such “ill-informed comments are unnecessary and should be avoided”.

Critics say Mr Zubair was the latest in a long list of arrests of India’s best-known activists, intellectuals and journalists and point to India’s plummeting ranking in the World Health Index freedom of press. A recent report said that “pressure has grown on the media to toe the line of the Hindu nationalist government” and that “journalists who do not are being arrested and imprisoned”.

“Mr. Zubair should receive a medal for his service to the nation. Instead, he was imprisoned,” Mr. Gonsalves said. “His determination shows that one person can cause so much consternation to the hatemongers, imagine if there were 10 like him out there? Then the hatemongers would have nowhere to run.” —BBC

Hiunko Prithvi Yatra: Global climate concerns show up in spectacular fashion at Kathmandu theater


The curtain opens. There is a picture of a mountain above the stage and below everything is covered with white colored clothes. The clothes begin to move like a wave of water. Three characters, who are in fact personifications of rivers, take out white clothes and tell one by one their journey as a river.

“My rest ends here in a dam; I begin my journey now. First I will melt, then flow again to take a new course,” says one of the rivers.

This is the beginning of the play Hiunko Prithvi Yatra (the journey of snow to earth) performed at the Shilpee Theatre. The drama, written and directed by Amjad Prawej and Ghimire Yubaraj, brings up the state’s global climate concerns to raise awareness among theatergoers in Kathmandu. It’s quite special because such issues are rarely addressed in the performing arts here.

Local concerns about global issues

In particular, the piece deals with the significance of rivers and water in living beings. Photo: Chandra Bahadur Ale.

Imagine that you are thirsty but deprived of water. There is not a single drop of water inside your house and all the water resources near you are also dried up. Doesn’t that sound scary?

In Hiunko Prithvi Yatra, a similar scenario unfolds on stage.

A father character, played by Jhakendra BC, is thirsty and cannot find water to drink. When he asks about water, his daughter replies that the tube well in their village in the Terai has dried up and there is no water in the house.

Meanwhile, everyone in the village is desperately waiting for the rain. The protagonist thinks people will die of starvation and water shortage. And everyone’s life in the village is in crisis.

While the characters are talking about the water crisis, a storm intervenes. They hope for rain and even take out the utensils to fill the rainwater. But, their hope turns to disappointment because it is not raining.

This is how Hiunko Prithvi Yatra is directly linked to climate change and its effects on human life. It is an interesting theme because the theaters of Kathmandu are mainly occupied with other socio-political themes. The play therefore also has the potential to make people aware of the importance of conserving water resources.

In particular, the piece deals with the significance of rivers and water in living beings. The play shows how difficult life has been due to water scarcity, especially for those who depend on fishing for a living.

Strong sense of presentation

Music and light brought the room to life.  Photo: Chandra Bahadur Ale.
Music and light brought Hiunko Prithvi Yatra’s piece to life. Photo: Chandra Bahadur Ale

Apart from the theme, another thing you must praise about Hiunko Prithvi Yatra is its presentation. For example, during one scene, the characters artistically use flashlights to bring fireflies onto the stage.

Then, the use of props, the scenography and the personification of rivers, fish and elephants, among others, make the room interesting and show the creative aspect of the creators. The play has many other fascinating aspects, which will be a spoiler if mentioned here.

The plot of Hiunko Prithvi Yatra is set in the plains of southern Nepal where the characters use the Tharu dialect. Their accent is on point and doesn’t sound weird or obnoxious.

Another thing that made the play beautiful and dynamic is its live music performed by Smarika Phuyal, Anup Timalsina and director Prawej himself. The play features different songs and all of them are originally written and composed.

All these songs are perfectly accompanied by guitar, ukulele, harmonica, cajon, shaker and dholak. All songs and melodies are there to make every Hiunko Prithvi Yatra activity more meaningful and relevant.

Nirmal Rawal on the light did a marvelous job. The lighting effects are managed with precision to give the right feeling to each scene. They are used in specific time to depict subjects like death, river flow, thunderstorms and others.

Music and light brought the room to life.

Key Questions for Humanity

What happens at the end of the play is sad, unexpected and unusual.  But, it is also powerful because it vividly reflects the shameful practice of human society.  Photo: Chandra Bahadur Ale.
What happens at the end of the play is sad, unexpected and unusual. But, it is also powerful because it vividly reflects the shameful practice of human society. Photo: Chandra Bahadur Ale.

Meanwhile, Hiunko Prithvi Yatra not only tells the story of a river, but also depicts the feeling of the river. The personified river tells how the dams prevented it from flowing freely. He is also concerned about the dryness of the land.

What happens at the end of the play is sad, unexpected and unusual. But, it is also powerful because it vividly reflects the shameful practice of human society. Moreover, it also asks questions about development and politics that are directly or indirectly indifferent to rivers, climate change and other environmental issues. These are key questions that humanity must answer.

Hiunko Prithvi Yatra will run until July 31 at 5:30 p.m. daily except Tuesdays at the Shilpee Theatre, Batisputali. There will be an additional show on Saturday at 1:00 p.m.

3 Ways Musk Can Support Free Speech

Back in Paleolithic times in April, Elon Musk seemed thrilled to buy Twitter and said he wanted to transform the site by promoting free speech.

A lot has happened since: Musk says he no longer wants to buy Twitter, and the company is suing to force him to complete the acquisition. There was a court hearing today.

The case could still happen. In today’s newsletter, I’ll explore three suggestions for what Musk can do if he ends up owning Twitter and really wants to push the boundaries of online expression.

Provide more transparency into the inner workings of Twitter

Moderating conversations online can be tricky, and Twitter and other social media sites mess up with some regularity. Moderators make dodgy calls, and people sometimes don’t know why a post was deleted or why Twitter did or didn’t take action.

Online freedom and trust would be enhanced if people could understand the decisions made by Twitter, Facebook and YouTube and had the opportunity to air their grievances. It requires more investment and openness from Twitter and its peers in explaining their sometimes difficult decisions about online expression, and easier ways for users to appeal those decisions.

Advocates have also offered change the laws to ensure journalists and academics can analyze what’s happening under the hood of sites like Twitter. Jameel Jaffer, executive director of the Knight First Amendment Institute at Columbia University, suggested on Twitter last week that Musk could order an independent audit of the company’s content moderation policies and practices.

Making Twitter’s inner workings transparent won’t change what people can or can’t say there. But it could boost public confidence if there were more answers to important questions like: social media algorithms remove conservative viewpoints? How often does Twitter make mistakes, either keeping posts that violate its rules or deleting posts by mistake? How Twitter’s Computer Systems Work amplify political content?

Allow more political expression

Several online discourse experts have told me that Musk could build trust in Twitter as a place that encourages a vigorous exchange of ideas by ensuring that the site allows posts from U.S. elected officials and candidates and only restricts discussion of political topics in extreme cases.

Deciding when Twitter and other sites should step in and remove political posts or ban accounts is the challenge. We saw this debated when many people believed Donald Trump and other officials had too much leeway to post false claims about voter fraud on Twitter before and after the 2020 presidential election.

But the Knight First Amendment Institute has said that it is important that sites give a “strong presumption in favor of abandoning political speech” and “respond in a measured way to violations” of community standards.

What the experts are saying, essentially, is that people have an interest in evaluating what their elected officials are saying and talking about their government and its policies, even if some conversations contain misleading information or even bigotry. It’s not far from what Twitter Strategies already said.

There are limits to a hands-off approach to online political discourse. Twitter has experimented with adding incorrect but valid contextual information to potentially misleading political messages. And most online expression pundits think Twitter, Facebook and YouTube were justified in kicking Mr. Trump off their sites after last year’s Capitol riot. (Some of them think his suspensions should now be lifted.)

Challenge governments that restrict citizen expression

In the United States, it is rare for American Internet companies to be obligated to protect ordinary people from online censorship, harassment, or incitement to violence by their own government. But it happens regularly apart from WE.

Twitter has at times been a strong advocate for citizens who use the service to criticize their own leaders. He sued India this month to challenge the government’s interpretation of a law that restricts publications related to civil liberties, protests and freedom of the press. He could do so much more.

If Musk really wanted to give a voice to people far less powerful than himself, he could pledge to push back against governments that try to clamp down on free speech – and encourage the US government to support internet companies when they do. .

We must continue to discuss how relatively new means of communication and persuasion should work to improve our understanding of the world.

  • Anonymity is “the ultimate double-edged sword”. NGL is the latest app for people to post anonymous questions and comments, writes my colleague Valeriya Safronova. Previous anonymous messaging apps like ASKfm, Secret, and Yik Yak struggled to contain bullying and threats of violence and eventually disappeared.

  • Necessity is the mother of invention: The Verge wrote a captivating story blind programmers who created two generations of screen readers, programs that speak text aloud on a computer screen. The inventors – including two who met as children at an Australian music camp – have filled a gap in technology that has been primarily created by sighted programmers.

    Related: Some blind and partially sighted people say that automated tools supposed to make websites more accessible to them have made it harder to use screen readers, my colleague Amanda Morris reported.

    Earlier from On Tech: “Disability stimulates innovation”

  • Nepal is fed up with your TikTok videos: Some tourist and religious sites in the country have tried to ban people from recording online videos on their land. “For them it’s fun to get all tastes, but for visitors like us it’s disturbing,” frequent visitor to sacred garden in Lumbini Told Rest of the world.

Don’t bother to say the dog growling against a statue.

We want to hear from you. Let us know what you think of this newsletter and what else you would like us to explore. You can reach us at [email protected]

If you do not already receive this newsletter in your inbox, please register here. You can also read old On Tech columns.

How the caste system affects the lives of South Asians in the UK


Far-right Hindus in the UK are trying to obscure the fight against caste discrimination by claiming it is ‘anti-Hindu’.

South Asian caste systems affect not only the region itself, but also South Asian communities around the world. The most dominant of these systems is that belonging to Hinduism, initiated in India about 3,000 years ago.

Since then, it has been adopted in different forms – but with similar functions – by many Sikhs and some South Asian Muslims.

The Hindu caste system places followers of the faith in a social hierarchy made up of four categories that determine the jobs they can perform and their social status. There is no prospect of social mobility.

Brahmins – Priests

Kshatriyas – Warriors

Vaishyas – Merchants and landowners

Shudras – Peasants and Servants

Below this four-tiered hierarchy is a group considered outcasts: the Dalits. They are shunned by mainstream society and are expected to work as manual garbage collectors. Many live in harsh conditions in the poorest parts of India and are considered ‘untouchable’ by the so-called ‘upper’ castes.

While caste discrimination was officially declared illegal in India in 1948, its practice persists to this day, frequently resulting in brutal violence, including the rape and murder of people considered “lower castes”.

Caste-based discrimination also haunts the UK, affecting major institutions such as the National Health Service and the military.

“There was a really offensive leaflet in the chaplaincy section of a large NHS Hospital Trust last year. The leaflet described how to treat a Hindu patient. He was basically saying that an “untouchable” or a menstruating woman should not touch a Brahmin. Can you imagine? What if you have a nurse or doctor on her period touching a patient? It’s extreme,” says Santosh Dass, spokesperson for the Anti-Caste Alliance Against Discrimination.

Marriage website Shaadi.com was recently exposed for creating algorithms that blocked members of certain castes in the UK from being introduced to others.

Hari, a Nepalese living in London who is considered a Dalit, or “untouchable”, says caste bias and discrimination are often subtle.

“These are people who do not want to give a room to rent. They say your caste by your last name. You also see that when you are in the “upper castes” they have certain facial expressions when they assume your caste. They speak rudely to you.

Many Nepalese serve in the British Army as part of the Gurkha Brigade. Hari says many of his friends have been denied positions because of their caste. The UK Ministry of Defense says it does not consider caste as a criterion for recruitment, but many say it remains a barrier. When Dalits are recruited, they are often faced with separate living quarters.


No specific legislation prohibits caste-based discrimination in the UK. The cases that have been presented have been on the basis of caste being understood as an aspect of race. This absence of specific legislation can make the fight against a case more complex.

In 2018, the government reneged on its promise to include caste as a specific category of discrimination in the Equality Act 2010, arguing there was no need to legally distinguish between race and caste.

“This gray area was created by the Hindu lobby,” said Sat Pal Muman, chairman of anti-caste campaign Castewatch UK.

“The government did this to appease politically active Hindus and garner votes.”

“The Hindu lobby has powerful ties to the Conservative government which relies on the votes of this community. The government also needs a good post-Brexit deal with India. This hampered the implementation of the law,” says Dass.

Muman says far-right Hindus are trying to obscure the fight against caste discrimination by claiming it is “anti-Hindu”.

“Groups opposing the legislation here in the UK have links to the Indian government’s Hindutva agenda. The mere mention of caste puts them in the spotlight. They go on the offensive and accuse you of attacking their religion…but it’s a conversation worth having.

While the theological underpinnings of caste in Hinduism cannot be ignored, he says the focus of his campaign is based on “the fact that people are discriminated against. It’s about human rights – not about a specific religious group.

He also dealt with cases among British Pakistani Muslims who applied a similar system of hierarchy known as biradari, often to denigrate political opponents and control the electoral vote within specific castes.

For Santosh, the fumigant arguments and the powerful lobbies are not dissuasive. “We continue to mobilize and advocate for the law. At its core, caste-based discrimination is about dehumanizing people and maintaining control and power over them. Ultimately, the voices of victims will need to be heard.


There could be a long way to go before that happens.

The stigma of being from a lower caste is so widespread that many people try to hide their caste when looking for a job or housing. If they are exposed and discriminated against by employers and landlords, taking their case to court could lead to further discrimination by others who, as a result, become aware of their caste.

This creates a conundrum in which fear and stigma prevent people from coming forward, allowing the government and the far-right Hindu lobby to claim that changes to the law are unnecessary, in turn allowing discrimination and him allowing to continue.

Hari is an example. He didn’t want his true identity revealed when he was talking to World TRT because it would “cause problems”. His frustration is clear: “I hate caste. People are born free with equal dignity and rights. If we were all human, you wouldn’t consider someone “untouchable”.

“The ‘upper castes’ deny any discrimination. If so, why do we have a caste system in the first place? »

Source: World TRT

Ncell in Nepal launches an all-female customer center in Kathmandu

Ncell Axiata has commissioned a fully female-run Ncell center in Maharajgunj, Kathmandu, providing all customer support services from a single point of contact.

The Ncell center, run entirely by women, will help level the playing field and strengthen an important role in the community. This concept demonstrates Ncell’s support for women’s empowerment, gender parity and vibrant communities. Additionally, it is aligned with the company’s Diversity, Equity and Inclusion (DEI) mission which strongly promotes, advocates and encourages DEI in the workplace.

The entirely female-run center provides all customer services, ranging from general inquiries about products and services, SIM subscriptions and internet settings to various business services. Customers visiting the Center can upgrade their SIM cards to 4G, change SIM number and mobile, change CUG numbers, business plans, international roaming, make bill payments, top up balance and transfer, among many other services.

The fully female-run Ncell center offers customer service from 9:30 a.m. to 6:00 p.m., 7 days a week. Ncell operates 31 Ncell centers across the country as part of the company’s efforts to reach customers and better respond to customer needs locally to improve customer experiencethis

Yuvraj Shrivastava, Director of Human Resources and Administration of Ncell
We are thrilled to launch a fully female-run Ncell center in the heart of the city. This decision will play a central role in supporting Ncell’s advocacy for diversity, equity and inclusion (DEI). Having strategies and practices to support a diverse workplace and leverage the effects of diversity will help the company gain a competitive business advantage.

Ugandan art does well in Venice


Uganda’s inaugural pavilion at the 59th La Biennale di Venezia 2022 International Art Exhibition, featuring paintings by Collin Sekajugo and weavings by Acaye Kerunen, received a special mention.

Kerunen was particularly singled out for her use of materials such as raffia, illustrating “sustainability as a practice and not just as a policy or concept”.

The prestigious and the world’s largest art festival, popularly known as the Venice Biennale Arte, which opened in Venice, Italy on April 23 and will end on November 27, is held under the theme ” The milk of dreams”. It is curated by Cecilia Alemani and organized by La Biennale di Venezia chaired by Roberto Cicutto.

The eight-month exhibition which takes place in the central pavilion (Giardini) and at the Arsenale includes 213 artists from 58 countries, including 180 beginners.

The international exhibition presents 1,433 works and objects on display, with 80 new projects designed specifically for the Biennale Arte.

Several countries, including the Republic of Cameroon, Namibia, Nepal, the Sultanate of Oman and Uganda, are taking part in the Arte Biennale for the first time. The Republic of Kazakhstan, the Kyrgyz Republic and the Republic of Uzbekistan, which are also making their debut, have their own pavilions.

The two Ugandan artists based in Kampala present their work at the national pavilion of Uganda under the title “Radiance—They Dream in Time”. This opportunity was made possible through a partnership between Stjarna.art and the Uganda National Cultural Center (UNCC).

Shaheen Merali, British curator of Tanzanian origin, presents the works of Kerunen and Sekajugo.

“Radiance – They Dream in Time” is the result of multiple processes, including online conversations, field trips to centers of excellence developing artistic practices and resources through curatorial and organizational support. A two-year gestation period allowed Kerunen and Sekajugo time for contemplation, revision, reassessment of ideas, and conversations.

Uganda’s capital, Kampala, and the city of Jinja have been recognized for providing a platform for a cultural environment to take root.

Kerunen’s and Sekajugo’s dual approaches to artmaking – while diverse in their respective aesthetic approach – find common ground in their respective imaginings of materiality and form. Merali refers to the title of their work as reflecting their “essential knowledge and lived experiences” as well as “urban commerce and living conditions in [Uganda’s] urban centres”.

Merali adds, “Both artists have worked actively with formal and informal archives of Uganda’s vibrant visual culture.

Kerunen’s installation work uses hand sewing, adding, knotting and weaving with natural fibers. In her cooperative work with local Ugandan artisans, the artist creates installations that challenge the divide between fine art and craft as predicted by Western artistic traditions. Her work is rooted in the belief that creative production is an authentic expression of lived experience.

Some of Acaye Kerunen’s weavings at the Venice Art Biennale 2022.

Kerunen’s process as a socially engaged artist highlights the work of local and regional Ugandan artisans, celebrating them as integral collaborators and elevating the artistic practices of local artisans, who are stewards of their local wetlands. It also draws on a sacred and tacit knowledge of ecological stewardship.

By deconstructing utilitarian materials and craftsmanship, Kerunen repositions the work to tell new stories and posit new meaning. Reinstalling these deconstructed materials is a response to the agency of women’s work in Africa and a recognition of the role that this artistic work plays in the climate ecosystem.

Kerunen owns nine large works and 16 smaller editions, including Iwang sawa (Alur for: “In the eye of time”). The new works added are Myel, an installation representing a woman in a moment of dance movement in basketry, woven mat and raffia; Wangker (Alur for ‘Eyes of Reign’), a large mural in banana fiber, palm leaves and raffia; Kot Ubinu (Alur for the rain is coming), an interactive multimedia installation in basketry, palm leaves and raffia; and Passion Flower, a round mural in raffia, palm tree and basket rings.

Through a combination of performance, social work, environmentalism and artistic collaboration, Kerunen advocates for the empowerment of Ugandan women beyond the values ​​of Western liberal feminism. She told The Sunday Monitor that her “work is an idea of ​​what I think art should look like, whose time has come”.

She added, “The inclusion of women is key in the history of Uganda’s artistic heritage. The practice of climate conservation from a community-led, women-led perspective and the need for conscious artistic creation.

Sekajugo’s lively, semi-abstract works focus on the human figure, using silhouettes and collage elements to critique ethnocentrism and visualize people’s shared humanity. Her multimedia collages include embroidery, photography, acrylic paint and locally sourced materials such as polypropylene and barkcloth. The recycling of these materials is part of his interest in art as an act of transformation.

“There’s a piece of art called ‘I own everything. This is my cover and it depicts an ideal post-colonial affluent Ugandan man. The work depicts a fashionable gentleman relaxing on an elegant sofa,” Sekajugo said of one of his dozens of artworks on display in Venice, adding, “The backdrop to his bedroom is decorated with motifs representing the long-horned cattle of Uganda. Cows in this situation denote the richness of Ugandan culture. And the floor is covered with slabs of barkcloth in a bid to evoke a sense of uniqueness for Ugandan culture.

On the inspiration for his work, Sekajugo said, “First of all, for decades there has been an ongoing discussion about whether Africa is creating contemporary art or emulating what what the West has been doing for years. As an extremely versatile artist, I have always challenged my creative practice through different mediums.

“…my idea was to bring something unconventional and unexpected from me at this point in my career. Although my approach and style may seem familiar to some art lovers, I believe that what I took to Venice was evocative and provocative but so refreshing for many.

“Secondly, while there is a growing demand for African art in the international market, the competition between artists and galleries is overwhelming. As the saying goes now: “It’s all been done before.” It is with this notion that I chose to explore topics relevant to what has become essential for Africa today. That’s to say; the effects of colonialism on our lifestyles today versus the volatility of technologies.

Sekajugo considers his work to be “hack[s] identities” at least in the room where “black figures… are transformed from stock images of white people surrounded by privilege”. He further says of the presentation, “This is how we black people want to see ourselves in these positions or environments.”

The Ugandan artists received a special mention in “recognition of their vision, ambition and commitment to art and work in their country” at the April 23 awards ceremony. A jury citation says of Kerunen’s body of work: “His choice of sculptural materials like bark-covered rafia exemplifies sustainability as a practice and not just a policy or concept.”

Sekajugo said receiving the Special Mention award is “recognition for our hard work and commitment.” He believes it “has also opened so many doors for other local artists, who aspire to be our voice and our representatives on the world stage”.

Kerunen said: “I felt amazing, humbled, thrilled when the special mention was announced.”

The international jury of the Venice Arte Biennale 2022 was composed of Adrienne Edwards, Lorenzo Giusti, Julieta González, Bonaventure Soh Bejeng Ndikung and Susanne Pfeffe.

Sekajugo said he was thrilled to exhibit his work at “the oldest and largest art exhibition in the world”. Kerunen said the “visibility” she had “for me, my art and the countless women I work with” was invaluable.

Born in Uganda in 1981, Kerunen is a multidisciplinary performance and installation artist, storyteller, writer, actress and activist. She graduated with a BSc in Mass Communication from the Islamic University of Uganda, Mbale. She also earned a degree in Information Systems Management from Aptech.

Kerunen participated in a dance fellowship with Japan’s Saisan Foundation in 2021. Through a curatorial fellowship with Newcastle University, the artist also debuted his first five-week solo exhibition “Iwang Sawa” from September 18 to October 28, 2021 at Afriart Gallery in Kampala with great success.

Since 2012, Sekajugo has worked with common image manipulation to expose his inherent biases of entitlement and privilege largely modeled on the Western self. His artistic practice highlights a contemporary anthropological reversal of this dominant culture through the prism of a decidedly African sense of irreverence and play on the ad-hoc.

Conceptually, Sekajugo’s works become pure theatre, identity hacking that exposes certain truths behind these archival images that quietly continue to colonize the entire globe by the weight of their own popularity.

Sekajugo approaches his work from a distinct aesthetic starting point which lies in his repeated return to pop culture and the pervasive influence exuded by the global mainstream, conversing and critiquing his many biases across visual, oral and digital.

Sekajugo, born in Uganda in 1980, also creates drawings, paintings and performances. Her works often evoke the beauty, chaos and energy of her homeland and contemplate her own place within Uganda’s diverse social fabric. Social commitment is an integral part of his practice. He divides his time between Rwanda, where he founded Ivuka Arts Kigali, and Uganda, where he directs the Weaver Bird Arts Foundation.

The 42-year-old’s work is held in the permanent collection of the Smithsonian National Museum of African Art, Washington DC, as well as other notable public and private collections in the United States, Europe, Africa and Asia. .

Old planes, risky skies: Fatal accident lays bare Nepal’s aviation safety record | Nepal

“He used to say, ’24 hours [in a day] not enough for me! »

Bibhuti Ghimire’s voice cracks as she describes her father, a highly respected pilot in Nepal and a multi-talented man with a flair for music, who would get bored playing the piano and switch to the harmonium. “And he liked to fly.”

At 9:55 a.m. on Sunday May 29, Captain Prabhakar Prasad Ghimire took off aboard a Canadian-made DHC-6-300 Twin Otter, operated by Tara Air, for what would be his final flight. After waiting more than three hours for conditions to clear up, he was only 12 minutes into the flight, from Pokhara to Jomsom, when all contact was lost.

The aircraft had turned into the mountainside at approximately 14,500 feet. Ghimire, the two crew members and the 19 passengers perished. It took more than two days for search and rescue teams to locate all the bodies, with efforts hampered by bad weather.

The crash has again brought to light Nepal’s poor aviation safety record, especially for its domestic services. It was the 104th non-military disaster since 1955 and the seventh for an airline along this route in the past 30 years. Previous disasters have since 2013 prompted an EU ban on Nepalese airliners, and May’s crash has led to renewed calls for the government to spend more to protect domestic travellers.

“We can do more,” insists Ashok Pokharel, president of the Nepalese Association of Tour Operators. “For example, older planes don’t have modern weather radars. This could be mandatory so that the captain has real-time weather information about what he is flying towards.

The plane that Ghimire piloted made its first flight in 1979. It was not equipped with GPS technology which could have been used by the pilot in poor visibility and could possibly have saved lives.

“We cannot afford to continue flying planes that are 43 years old,” says Captain Bed Upreti, himself a very experienced pilot.

People wait for news of loved ones at Pokhara airport after Tara Air crash. Photograph: Yunish Gurung/AP

The majority of fixed-wing accidents in Nepal occur with short take-off and landing (Stol) aircraft. These planes go to hard-to-reach places, such as Jomsom or Lukla, a popular starting point for visitors to Mount Everest.

“Especially if it’s Stol aircraft, the technology, or lack thereof, is dangerous to fly in a place like Nepal,” Upreti says.

Questions are being asked whether pilots involved in crashes in Nepal at low altitude have the information and technology to avoid making mistakes, before and during flights.

“We are unable to provide the operational meteorological service required for domestic flights that operate below 10,000 feet,” says Dr. Archana Shrestha, senior Nepal government meteorologist.

Significant investment has been made in weather observation and forecasting for international travel at Tribhuvan International Airport in Nepal. However, progress in domestic services has been lacking, with pilots often relying on observations from airport weather stations.

“Government needs to spend more on aviation meteorological institutional development and service delivery, as well as airport construction,” says Shrestha.

Ghimire’s family and colleagues were shocked by the manner in which he died.

“He was known as the pilot who would never fly in bad circumstances. He would cancel the flight, despite the losses the airline would incur,” says his daughter.

The plane he was flying went down during the pre-monsoon season, when cloud formations can quickly engulf mountainsides and, combined with unpredictable changes in wind and atmospheric pressure, make the route even more dangerous. Usually there is only a short window, first thing in the morning, when it is safe to fly.

There is a feeling in Nepal that, given the forces of nature in the region, such disasters may be unavoidable.

In September, once the monsoon is over, the country is expected to open up to tourists for its busiest season in years, following the lifting of Covid restrictions. Around the same time, the May 29 crash investigation report is expected to be released. Whatever the findings, the question remains whether Nepal’s domestic air services are ready to keep passengers and crew safe, especially as tour operators seek to make up for lost time.

“We just hope that through this accident lessons will be learned so that it never happens again,” says Bibhuti Ghimire.

The Civil Aviation Authority of Nepal said it would not make any statement on the crash until the report’s findings are released.

SAFF U-20 Championship uncertainty as tournament awaits MEA clearance


India is set to host the SAFF U-20 Championship which is set to start on July 25 in Bhubaneswar. Although the fate of the tournament appears to be in jeopardy as the Ministry of External Affairs (MEA) has reportedly yet to provide clearance for the event to be held in India. Permission from the Ministry is required as visiting teams from other countries will need to apply for visas to participate in the SAFF U-20 Championship.

The Indian Football Federation (AIFF) has already obtained the required clearances from the Ministry of Sports and the Ministry of Home Affairs. “We are now worried. Due to the weekend, the earliest the letter could be provided to us is Monday, and that would still leave little time for visiting teams to apply for visas and make (travel) arrangements,” a senior official said. at the Times of India.

READ ALSO | Question from AIFF: CoA Submits Draft Constitution to Supreme Court

The current conundrum could pose a problem for visiting teams as Sri Lanka, Bangladesh, Nepal and the Maldives were due to arrive from July 21-22.

India will start their SAFF U-20 Championship campaign against Bangladesh on July 27. Five teams will compete in a round robin format. The top two teams will eventually compete in the final summit clash scheduled for August 5th.

The Indian U-20 team will also take part in the AFC U-20 Asian Cup qualifiers later in the year. India is placed in the same group with Australia, Iraq and Kuwait.

The visa issue has also created big problems during the 2022 FIFAe Nations Cup. Danish Embassy in India.

India are placed in Group D along with Mexico, Morocco, the Netherlands, Poland and Italy.

“The visa application was made in June but the embassy had suspended all visa appointments for short-term visas. Appointments reopened on July 6 and the five-member Indian team submitted everything at the (visa outsourcing) agency on July 8,” a source told The Times of India.

The source claimed that the passports were returned after a week but without the visas. Later, he was informed that the embassy needed a clear 15-day deadline to process the visas.

The FIFAe Nations Cup 2022 is set to be held in Copenhagen. The event will begin on July 27.

Read all the latest news, breaking news, watch the best videos and live TV here.

Meet the Nepalese man on a dangerous mission to save poisonous snakes

Most people associate snakes with danger. They consider snakes to be venom-spitting creatures that can put an adult human on a deathbed in minutes. Children grow up learning to fear and hate snakes. Many also consider eliminating snakes as the best approach to staying safe. However, a young man from Pokhara, Nepal is on a mission to change people’s perception of snakes. For him, snakes are friends to be loved and protected. Traveling across his country, Rohit Giri educates people to stop killing snakes and save the lives of snakes and people with his rescue missions.

Rohit Giri with a rescued king cobra snake as villagers watch him handle the snake.

Snakes have enchanted me since my early childhood when I watched them for hours slithering through the fields and bushes near my home“said Giri, who saved her first snake when she was 12.

It was in my neighbor’s garden and it scared everyone. So I just picked it up with a stick and released it in the bushes outside the house.“, says Giri.

green viper
A magnificent green viper in the forests of Nepal. Photo credit: Rohit Giri.

It was only after the rescue that he realized the snake was nothing but a poisonous green adder. But at that moment, the deed was done. The serpent’s beauty and grace had seduced Giri, who was now even more determined to protect these reptilians from the humans’ wrath.

copper-headed trinket snake
Rohit Giri rescuing a copper-headed trinket snake from the kitchen of a village house in Nepal.

Now, over a decade later, Giri attends over 50 rescue calls per month and has helped save over 700 snakes. His damsels in distress include all kinds of snake species, from the non-venomous rat snake to the king of all snakes, the powerful and highly venomous king cobra!

“In 2017 I rescued a king cobra for the first time, and what an exhilarating experience it wassighed Giri as she described the most exciting rescue of her life to date.

It was in the middle of winter when Giri received a call to save a snake from a village. Seeing the photos captured on mobile, Giri identified it as a king cobra. He knew he didn’t have enough equipment to secure the world’s longest poisonous snake, one whose venom can kill nearly 20 people or an elephant with a single bite. Yet he went to the village with his brother just to catch a glimpse of the snake he grew to admire.

Upon visiting the site, however, he was shocked. Villagers were throwing stones at the snake found about 10m from a house. Even though he was unprepared, Giri couldn’t tolerate the sight of the majestic being suffering a gruesome death. Using a stick and five burlap sacks piled on top of each other to stop the king from biting, Giri set out on this near impossible mission. However, with the help of his brother, he managed to secure the snake. Unfortunately, the stones had already injured the king and he had to be sent to a rescue center for treatment, where he ultimately did not survive.

king cobra
Rohit Giri capturing the king cobra in his camera.
This unfortunate incident further strengthened Giri’s resolve to heal the human-snake relationship through awareness. He started rigorously using social media tools to spread the right kind of message and quickly gained thousands of followers. He also embraced photography as a medium to further the cause of snake conservation. He also collaborates with snake researchers to help them document the different species found in Nepal and has co-authored several scientific publications on these reptilians. His rescue missions are also now a platform for him to raise awareness.

Snake rescues draw huge crowds. Curiosity often accompanies fear. And men, women, and children come out of their homes to see me handling snakes, allowing me to dispel the misconceptions associated with snakes.“, said Giri.

Onlookers, including children, watch a cobra in a field near a residential area in Nepal. Image credit: Rohit Giri

According to him, the best way to stay safe from snakes is to maintain a respectful distance from these animals and not panic when encountering a snake. People should not try to handle or kill the snake and instead call the nearest snake rescuer or wildlife center for help. If bitten by a snake, you should immediately consult a doctor at the nearest hospital and never go to traditional healers.

snake conservation awareness program
Rohit Giri shares information about king cobras during community outreach programs for king cobra conservation and raising awareness of human and king cobra coexistence in Kawasoti-Nawalpur, Nepal. Organized by the Nepal Association of Toxicology.

Giri also believes that snakes are generally non-aggressive and unlikely to waste their precious venom on humans except for self-defense. In his hundreds of rescues, only once was he nearly injured by a snake.

I had just walked into a dark kitchen of a house to save a snake that had not yet been identified. As soon as the lights came on, I discovered the snake coiled up in the kitchen sink. It was a baby monocled cobra. As I tried to pick up the snake with the hook, it spat venom“, Giri described one of his most daring rescues.

monocled cobra spitting venom
Monocled cobra spitting venom. Image credit: Rohit Giri

Giri was lucky that day. Monocled cobras are part of the group of spitting cobras with snakes that not only bite but also spray venom (called toxungen in this case) on the threat. Such sprays in the eyes can also cause permanent blindness. Giri escaped with only a minor eye injury and had to be admitted to hospital for a day. Amid all the chaos, he also managed to photograph the cobra spitting venom upon its release. This led to scientific publication as it was one of the rarest such records and also the first spitting behavior of a monocled cobra recorded in Nepal.

cobra monocle
Monocled Cobra taking refuge next to idols of Hindu deities in a shrine in a house in Nepal. This image is highly symbolic as Hindus are also known to worship snakes. Image credit: Rohit Giri
Despite all the challenges, Giri strives to save the snakes he loves so much. He thinks that while megafauna like tigers, elephants and rhinos get all the attention of the conservation community, snakes are largely ignored. There are few data on snake populations and their natural history, and their habitats are as threatened as those of other wildlife. Snakebites also cause about 81,000 to 138,000 worldwide each yearmaking it even more essential to educate the public about snakebites and how to avoid them.
Himalayan viper
A gem of the Himalayas. A Himalayan viper. Photo taken during a herpetofauna survey in Mustang, Nepal, 2019. Image credit: Rohit Giri

Today we live in a world where human-wildlife encounters are increasingly frequent and deadly in nature due to human encroachment on wildlife habitats. It is brave hearts like Rohit Giri who risk their own lives to mitigate these negative interactions to foster a harmonious relationship between humans and wild animals. I hope they will succeed in their “dangerous missions”.

Nepal, China agree to activate bilateral mechanism to resolve border dispute


Nepal, China agree to activate bilateral mechanism to resolve border dispute

Kathmandu: In order to resolve the border dispute and sign a new border protocol, Nepal and China have agreed to activate bilateral mechanisms.

During a virtual consultation meeting on border affairs held on Thursday, the two sides agreed to activate the border mechanism first agreed in 1963 when signing the first border protocol, the Nepalese ministry of affairs said. Foreign Affairs.

Underscoring the importance of joint inspection of the Nepal-China border, the two sides agreed to initiate the process of activating the existing bilateral mechanism through mutual consultations, the ministry said in a statement. .

The 1963 Joint Delimitation Protocol provides for the establishment of three different mechanisms to deal with delimitation issues: the Joint Inspection Team, the Joint Panel of Experts and the Joint Inspection Committee.

The mechanisms were enshrined in the Nepal-China Boundary Protocol signed between the two countries on January 20, 1963. Three boundary protocols have been signed between Nepal and China in the past – in 1963, 1979 and 1988. Both parties have implemented aside the draft signature. the fourth protocol after much delay in 2011 due to a dispute.

Although the Nepalese government and the Chinese Embassy in Kathmandu categorically deny having a border dispute, Nepalese media have occasionally reported border frictions between China and Nepal in Humla, Gorkha, Rasuwa and other districts.

The main bone of contention is the exact location of Pillar No. 57. After the two sides could not agree on the height of Mount Everest and the exact location of Pillar No. 57, the signing of the fourth protocol has been in limbo since 2011.

The meeting also reviewed the overall status of Nepal-China relations and held discussions on various issues relating to border and border management between the two countries, the ministry said.

After activating the boundary mechanism, the two sides will jointly conduct boundary inspection, resolve disputes and sign the new boundary protocol.

Lok Bahadur Thapa, Head of the Northeast Asia Division, Ministry of Foreign Affairs, and Hong Liang, Director General of the Border and Maritime Affairs Department of the Chinese Ministry of Foreign Affairs, led their respective delegations during the meeting.

The two sides have also agreed to resume bilateral trade through the Rasuwagadhi/Keyrung border port in accordance with Covid-19 health protocols and guidelines. The two sides will establish an epidemic prevention and control mechanism for this purpose.

China has stopped importing goods and products from Nepalese trading points citing Covid-related restrictions, and Nepalese traders have called on the government to pressure China to resume bilateral trade.

During the meeting, the two sides also agreed to open new trading points in western Nepal.

In order to support the livelihoods of people in the northern Himalayan region of Nepal, the two sides have decided to open the border port of Hilsa/Purang for the transport of goods and construction materials from China in putting in place the necessary Covid-19 protocols, according to the press release. added.

1. Hide. 2. Avoid crowds. 3. Get boosters

A new outbreak of Covid cases in Nepal recalled that the pandemic is not over yet, and on the need to wear a mask, avoid crowds and get vaccinated.

Hospitals have not reported an increase in admissions and no deaths from Covid have been reported since March. But highly transmissible new substrains such as BA.4 and BA.5 have also been detected in Nepal, as elsewhere in the world.

“For the most part, people who have been fully vaccinated are unlikely to get very sick from the new strains, there has been no real increase in hospitalizations,” confirms Sher Bahadur Pun, virologist at the Teku Hospital in Kathmandu.

The fact that the new substrains are all Omicron variants means that unlike the Deadly Delta variant, they mainly infect the upper respiratory tract and not the lungs. Delta was responsible for millions of deaths in India in 2021 and killed at least 8,000 people in Nepal as hospitals ran out of oxygen and vaccines were delayed.

But with 82% of the eligible population now fully vaccinated, Nepalis are now better protected against serious diseases. But the virus is still mutating and scientists are engaged in a game of cat and mouse to stay ahead of new strains.

“Covid-19 has turned out to be even trickier than we thought. It is clearly still widespread and can be life-threatening,” warns Buddha Basnyat, a physician at the Patan Academy of Health Sciences. “This is not the end of the Covid story.”

This does not mean that the current push is a new wave. Although each new Omicron sub-line is more contagious, it is also gentler. This is good news, but asymptomatic infected people are also spreading the virus more widely.

While active cases are on the rise in Nepal, hospitalizations are not, and those infected could put the elderly and those with comorbidities at risk at home or at work.

Studies abroad have shown that up to half of people infected with the new substrains are asymptomatic. As people travel more this summer and lose their masks, the BA.5 and other variants are infect and re-infect even those who are vaccinated.

“We must continue to vaccinate and do a booster, especially those who have not even received their first vaccine. This may also be the time to start thinking about a fourth dose for vulnerable populations,” says Buddha Basnyat.

Because “immune evasion” puts even more people who have had Covid-19 at risk of reinfection, scientists are trying to improve the vaccine effectiveness as they try to track the mutations of the coronavirus.

“Eventually, Covid-19 will be like the seasonal flu, and maybe we will have vaccines for different strains,” says Sher Bahadur Pun of Teku.

BA.4 and BA.5 were first observed in South Africa and are currently the dominant strains in Nepal. This is surprising as it was the BA.2.75 that swept through India last month, and the surge is now peaking there. Whatever happens in India arrives in Nepal with a delay of two weeks, say the experts, and predict that the same scenario could play out here with the current surge.

“New strains and mutations are nothing out of the ordinary, but we need to keep masking and vaccinating. As for the new surge, it is peaking right now and it will have subsided by the end of July,” predicts Sameer Dixit of the Center for Molecular Dynamics.

The Center is leading the sequencing of the Covid-19 gene in Nepal, and it has worked with the Nepal Health Research Council, Birat Nepal Medical Trust, Liverpool School of Tropical Medicine and Oxford to study 1,800 Covid-19 samples collected from across Nepal. over the past year. . The results will be published soon and could reinforce the importance of genetic sequencing in Nepal so that scientists can predict the behavior of the next variant.

Nepal is also part of the largest Covid-19 recovery study, currently underway in the UK, which has led to important findings including the use of certain steroids in the treatment of coronavirus disease.

But the fact that the new strains are milder doesn’t overlook the inherent correlation between health and economy. Even the best health care systems can collapse, as seen in Sri Lanka. In addition, we now have record inflation caused by the Russian invasion of Ukraine, which made health care even more unaffordable for most Nepalese.

“Nepal, with its limited resources and the indifference of the government, must be even better prepared for a health crisis, which often spells disaster for those who cannot afford treatment”, warns the epidemiologist Lhamo Yangchen Sherpa.

She adds, “The new push may seem light, but it’s always better to be over-prepared than under-prepared.”

Payday loans are not an option to make ends meet, experts say

INDIANAPOLIS — Amid the highest inflation in four decades, financial experts are urging consumers to use any option to pay their bills — besides a payday loan. These loans offer a “cash fast” option, but they often lead to a dangerous spiral of debt.

“So you can really end up in a debt cycle because there’s so much to pay back,” explained Andy Mattingly, COO of Forum Credit Union. “Then you constantly borrow every week or every two weeks. So you can just step into that cycle, and you can’t walk away from it.

Payday loans are usually short-term and high-interest. loans that are usually due on your next payday. Experts said this should be your last option, and even personal loans are a better option.

Analysts explain that personal loans work for certain needs like a car repair that costs a few thousand dollars.

“Maybe take 12 months or 24 months to pay that back,” Mattingly said. “This is a good opportunity to do so.”

Your Money Line CEO Peter Dunn adds that a second temp job can make ends meet these days.

“There’s a real problem that needs to be fixed and this extra income for two months, one month can actually solve that problem,” Dunn said.

Dunn reminds Hoosiers that while inflation affects us all, it doesn’t affect all financial corners. Things like rent, mortgages, and car payments aren’t affected by inflation because they’re part of a contract.

Dunn said it’s consumer spending that should be curtailed.

“Grabbing your bank statement, going through it, categorizing your expenses is an important thing to do,” Dunn said.

These experts add that now is not the time to withdraw money from your 401K or other retirement accounts.

“People panic at times like these so they will take money out of retirement investments. So not only will they suffer losses, but they will also have a tax liability and then a penalty for taking the money out. earlier,” Dunn explained.

Dunn added that now is not the time to stop investing your money.

“I think stopping investing is a huge mistake right now because you should be buying low,” he said.

Finally, Dunn said now was not the time to pay more on a mortgage.

“Let’s say you have fixed rate debt, like a mortgage, it doesn’t make much sense to pay extra on your mortgage right now,” Dunn said. “It’s usually a reasonable thing to do, right now it doesn’t make much sense because it’s a fixed low rate.”

US restores path to green card for some TPS holders


Some Temporary Protected Status (TPS) recipients should find a way to adjust their immigration status to permanent residence in the United States

Earlier this month, United States Citizenship and Immigration Services (USCIS) released a memorandum that reinstated a process that had been available for years until it was changed under the administration. Trump.

This process allows immigrants who entered the United States without legal authorization, but who now have TPS, to travel outside the United States and, upon their return, be formally inspected and admitted at a port of entry. American. If they are married to a US citizen or have a child over 21 who is a US citizen, they could potentially apply for a green card through family sponsorship.

An inspection is a requirement under US immigration law for non-citizens to adjust their status. Those who entered the country illegally but have since received TPS were not considered inspected and admitted.

Who will be affected?

Aaron Reichlin-Melnick, director of policy at the US Immigration Council, said it would affect people who marry US citizens or are the parents of US citizens over the age of 21.

“It’s the most common way undocumented people can change their status and get a green card,” Reichlin-Melnick said.

What is GST?

Congress created the TPS in 1990 when it declared that migrants whose countries of origin are considered dangerous could live and work in the United States for a certain period of time if they met the requirements established by the United States government.

Currently, 15 countries have TPS designations: Afghanistan, Cameroon, El Salvador, Haiti, Honduras, Myanmar, Nepal, Nicaragua, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, and Yemen. TPS does not lead to permanent residence in the United States.

Is this travel policy new?

No. It had been used for decades until it was shut down by the Board of Immigration Appeals (BIA) in a decision on an immigration case called the ZRZC case.

In its memorandum, USCIS management said it no longer considers the BIA decision, which created a restrictive interpretation of inspection and admission for TPS recipients, as its policy.

“The [BIA] says that, despite the fact that you requested this advance travel authorization, despite the fact that it was granted to you, despite the fact that when you returned to the United States, you went to the agent immigration and presented him with this document, which says parole on it, you are not technically screened and admitted or paroled in the United States. The BIA has created a legal fiction that you returned to the United States in the status you had before you got TPS,” said Michael Turansick, immigration attorney at the American Immigration Lawyers Association. .

Turansick said USCIS reverted to using the ‘common sense and plain sense definition’ of inspection and admission under current immigration law when updating the policy. .

“When an individual presents himself at a port of entry to an immigration officer for processing and is permitted to enter the United States, this is an inspection and admission for TPS recipients who have obtained this travel authorization,” he said.

Is this amnesty for all TPS holders?

No. This policy does not grant automatic permanent resident status to all TPS recipients who live in the United States without documentation. Turansick explained that this was an option for people who had previously entered without inspection to regularize their status.

Reichlin-Melnick said this policy is “specifically for [some TPS recipients] living in limbo, legally present in the United States, but unable to obtain any permanent status.”

Who will benefit?

Immigration lawyers said it’s unclear how many people will be able to adjust their status using the policy, but they estimate thousands of TPS holders could benefit.

Under the Trump administration, TPS recipients could apply for travel authorization, but they returned to the United States with the same status they had when they left. In its recent memo, USCIS said the policy change is retroactive, meaning TPS holders who traveled during the Trump years and were admitted will be granted inspected status.

Do TPS holders need to apply for travel authorization?

Yes. TPS holders must apply for travel authorization to leave the United States. Applicants must show USCIS that they need to travel for urgent humanitarian reasons, such as an ill relative. If the TPS holder’s travel authorization is requested by a nonprofit organization, it must demonstrate that the trip will serve the social and cultural interests of the United States. The current filing fee is $575.

If a TPS holder leaves the United States without first obtaining TPS travel authorization, they may lose TPS status and will not be able to re-enter the United States.

FIFA’s discourse on inclusivity at the World Cup differs from its actions

FIFA Inclusion World Cup

Over the past two years, the Western world has pushed for inclusivity and sensitivity to the various struggles of groups in society. Simply put, this is a reasonable push given the decades of stereotyping, misunderstandings and violence towards these groups.

Many big brands have joined us to support people of color and the LGBTQ+ community, among others. This was not limited to brands. Artists, athletes, sports leagues and many more have decided to support the cause. For what it’s worth, FIFA is no different.

FIFA began using slogans such as “Say No to Racism” and “Stop Racism, Stop Violence”. FIFA has displayed these banners on billboards around pitches in countries that allow them. Additionally, FIFA encouraged entire teams to take a knee before kick-off in conjunction with Voices Against Racism. Then international matches and the Premier League featured rainbow colored armbands. A nice touch towards the LGBTQ+ community to show the players and the gaming stand with them.

FIFA talks inclusiveness at World Cup, but doesn’t deliver

Yet, it all seems to be for naught when you look at their actions. Let’s take the biggest possible example in which the country is hosting the 2022 World Cup.

It’s no secret that the government of Qatar disagrees with FIFA in its empowerment of the LGBTQ+ community. Before that was a concern, however, Qatar were already serving as a confusing World Cup pick. Brutally hot summers, calendar problems and a patently poor human rights record are three of the main culprits. Finances play a huge role in why the World Cup is there. Sepp Blatter, who ran FIFA when Qatar won the hosting rights, even admitted it was a mistake.

The FIFA World Cup in Qatar will be unlike any before it. The strict laws in Qatar do not align with much of the western world. For example, there is no alcohol served in the stadiums, and the usual festive atmosphere of the World Cup follows caution more than anything else. Adding to this are issues regarding LGBTQ+ lives.

Mixed signals

Qatar, welcoming the world to a fairly small country, said it would not restrict the posting of pro-LGBTQ+ images. This is part of FIFA’s inclusivity policies at the World Cup.

However, in April 2022, a senior Qatar World Cup official said there were plans to confiscate pride flags from spectators. Chairman of the National Committee of Qatar, General Al Ansari spoke to the AP on how this might unfold.

“If he (a fan) raised the rainbow flag and I took it from him, it’s not because I really, really want to take it, really insult him, but to protect him. ‘Cause if it’s not me, someone else around him might (attack him)… I can’t guarantee everyone’s behavior. , no need to really raise that flag at this point.’

In May 2022, some accommodations listed by FIFA outright refused to accommodate same-sex couples. At the same time, other hotels have indicated that they will accept reservations for same-sex couples, as long as they hide their relationship in public.

The current penalty for violating Qatar’s LGBTQ-based laws is a fine or up to seven years in prison. If you are a Muslim and break these rules, the penalty could be death. These laws are clearly a matter of concern for all members of the LGBTQ community, whether spectators, staff or players.

LGBTQ+ on the pitch

Cultural differences are what make certain areas special, it’s just a part of life. However, it is possible that these rules go against the inclusion that FIFA has hailed with its words.

There is growing representation in sport of members of the LGBTQ+ community. Take Australian Josh Cavallo. He came out to the public back in October 2021. The 22-year-old plays for Adelaide United as a left-back or midfielder. He could face a heartbreaking decision. With Qatar’s stance on LGBTQ+ set in stone, Cavallo may choose not to go with Australia to ensure his safety or simply avoid being an outsider at the world’s biggest sporting event.

Josh Cavallo

Despite the inherent dangers listed for the LGBTQ+ community, Cavallo said he would love to represent Australia. Even then, he understands the risks associated with going into the country. Still, not every player, staff member, or fan who is part of the community is willing to take that risk.

Cavallo is one of the few active players to come out openly as gay. Her brave confession came on the basis of the freedom of her own identity. He wants to open the door for other players to do the same, if they feel like it. Cavallo received praise and admiration for his actions, especially from Zlatan Ibrahimović and Antoine Griezmann. At the time, there were no openly gay men playing professional football at the top level in Europe. Then, in 2022, Blackpool striker Jake Daniels became just the second player to come out openly. That was until Blackpool striker, Jake Daniels came out in 2022 and became only the second player to come out openly.

It is certainly wrong to assume that there are only two top football players in the LGBTQ+ community. However, why would players go out knowing it would attract more attention given that the World Cup is being held in a place like Qatar?

talking aimlessly

FIFA can be said to be a progressive organization that works to welcome and include minorities and social groups. Yet his actions do not reflect this goal.

Instead, stocks prioritize monetary gain and greed more than inclusiveness. This is frankly embarrassing for the players. Moreover, this is just one scope on the general list of World Cup issues in Qatar.

A World Cup in the desert requires fully air-conditioned stadiums to be accessible. The timing disrupts the usual league and cup schedule in Europe, which is home to almost all of the biggest players. To top it off, around 6,500 workers died preparing for this World Cup. This, in itself, makes it hard to believe that FIFA cares about minority groups. Horribly enough, that number is on the low end. It does not include worker deaths from countries like Qatar, the Philippines and Kenya. Data from India, Bangladesh, Sri Lanka and Nepal revealed that there were 5,927 migrant worker deaths between 2010 and 2020, while reports from the Pakistani Embassy in Qatar indicated that 824 deaths Pakistani workers had been suffered between 2010 and 2020.

At the surface level, FIFA ticks the boxes for inclusivity at the World Cup. Take a step back and take a good look at the situation. You see that there is still a huge amount of work to do for the organization as a whole.

Fortunately, brave faces like Australian Josh Cavallo and Englishman Jake Daniels are paving the way for future generations.

PHOTO: Dean Mouhtaropoulos – FIFA/FIFA via Getty Images

India’s rice exports will increase due to global crisis


Declining rice crop yields in Thailand and Vietnam and their rising production costs could prove to be a boon for India’s rice exports in the current fiscal year, officials said. commercial sources. India currently exports rice at around $360 per tonne to major markets, while Thailand and Vietnam offer grain at around $420 per tonne. The gap, the sources say, is expected to widen in the coming months. In addition, the prospects of a reasonably bountiful kharif harvest could allow Indian exporters to achieve higher realizations. Even in terms of volume, India‘s rice exports in the current year could match or slightly exceed last year’s record high of 21 million tonnes, according to V Krishna Rao, chairman of the All India Rice Exporters Association.

The outlook for a new record high in rice shipments comes at a time when the country has imposed strict wheat export restrictions due to depleted domestic stocks.

According to the United States Department of Agriculture (USDA) Rice Outlook Report released in June, world rice trade in calendar year 2022 is expected to hit a record high of 54.3 tons. “India’s exports are expected to reach a record 22 tonnes and account for nearly 41% of global shipments,” the report said. The USDA also said India’s projected rice exports are likely to exceed the combined shipments of the next three major exporters – Thailand, Vietnam and Pakistan this year.

Trade sources said major rice producers such as Vietnam, China and Thailand have raised the issue of high production and transportation costs which would make their rice much more expensive than what India is offering. Exports in value this year could be 10 to 12 billion dollars, an all-time high.

India has been the world’s largest rice exporter over the past decade – export earnings were $8.8 billion in 2020-21 and $9.6 billion in 2021- 22.

According to Commerce Ministry data, the value of India’s rice exports increased by 12% to $2.6 billion in the first quarter of the current fiscal year.

“We will maintain the momentum of rice exports in the current fiscal year through the shipment of quality rice,” said Mr. Angamuthu, chairman of the Agricultural and Processed Food Export Development Authority ( APEDA).

The Food Corporation of India (FCI) as of July 1, 2022 had rice stocks of over 31.7 MT against the buffer standard of 13.54 MT. However, this stock excludes 15 tonnes of rice that have not yet been received from millers by FCI.

An agriculture ministry official said widespread monsoon rains, especially in major rice-producing states since the beginning of the month, are expected to boost production of rice, which is mainly a kharif crop. . The official said rice plantings, which were over 22 percent behind last week compared to last year, have accelerated and rice plantings will soon reach normal levels.

“India is able to meet the needs of the global market to a large extent and exports are expected to pick up after two months, currently orders from earlier shipments are being fulfilled,” Vijay Setia, former chairman of All India Rice Exporters Association and an exporter, said.

According to DGCIS data, India exported rice to over 150 countries in 2021-22. “This indicates the diversification of India’s rice exports over the years,” said an official with the Ministry of Commerce.

Of the 21 tons of rice shipped in FY22, India exported more than 17 tons of non-basmati rice and the rest of the volume was aromatic and long-grain basmati rice. In terms of volume, Bangladesh, China, Benin and Nepal are the top five export destinations for rice.

According to the third advance estimates for the 2021-22 agricultural campaign (July-June), rice production is estimated at a record 129.66 tons against an average production of the last five years of 116 tons.

India’s move on rupee settlements could help trade with Russia

India’s central bank this week introduced a new mechanism for settling international trade in rupees, aimed at promoting exports and facilitating imports.

Besides promoting the international use of the local currency, many exporters and economists see the move as a way to promote trade with countries under Western sanctions, such as Russia and Iran.

Moscow has discussed with India, Iran, Egypt and other countries ways to withdraw dollars and euros from trade transactions.

Here are the key facts regarding India‘s plans for the settlement of international rupee trade.

To settle international trade transactions in rupees, a foreign bank will need to open a vostro account – an account that a correspondent bank holds on behalf of another bank – with a licensed Indian bank. Indian banks would need prior approval from the Reserve Bank of India to act as correspondent banks. Indian importers of goods or commodities such as oil or coal would make payments to these accounts in rupees. The accounts could then be used to pay Indian exporters in the local currency. Surplus from vostro accounts could be used for investing in government bonds and payment for projects and investments, the RBI said.

Exporters’ bodies said the RBI’s decision would help support trade with countries under sanctions, mainly Russia and Iran, and with African and South American countries – and neighboring Sri Lanka – which have little access to hard currency. The RBI however did not explicitly name the countries for which a new mechanism could be used. Exporters have lobbied the Indian government to set up such a mechanism, modeled on an earlier system introduced in 2012 to trade with Iran after the United States and other Western countries imposed sanctions. financial.

The exchange rate between the Indian currency and those of trading partners will be determined by the market and settlement will be in rupees. Banks will be allowed to provide letters of credit, bank guarantees and offer advance payments to exporters for commercial transactions.

Currently, international transactions are mostly settled in foreign currencies, such as the US dollar, British pound, euro or yen. Payments in rupees are only allowed for certain neighboring countries, such as Nepal and Bhutan. Indian companies usually pay for imports in foreign currencies, while exporters are paid in foreign currencies and convert to rupees in most cases.

Traders have welcomed the new mechanism, which they hope will increase exports of engineering, pharmaceuticals and food grains to Russia and some other countries by at least a few billion dollars this year, while making cheaper crude oil imports. Some commodity traders said they are in contact with buyers in Russia and expect to use the mechanism in the coming days. India’s exports to Iran nearly doubled after a partial rupee swap settlement was introduced in 2012 as it stocked up on cheap oil.

The RBI’s move could slightly reduce India’s growing trade deficit by reducing the price of commodity imports, analysts said, noting that crude oil imports from Russia have been rising in recent months. But government officials said India would proceed with caution on the internationalization of the local currency given the associated risks to the economy, such as high exposure to global shocks, asset bubbles and volatility. foreign exchange rates.

Rahul Gandhi leaves for a ‘personal trip’ abroad, to skip key Congress meeting tomorrow


Last update: July 13, 2022, 09:23 HST

File photo of Congress leader Rahul Gandhi. (Image: PTI)

Rahul Gandhi, often criticized by the BJP for his frequent overseas visits, will skip a crucial party meeting on Thursday for preparations for the Bharat Jodo Yatra and internal Congress elections.

Congress leader Rahul Gandhi left for a short personal visit abroad on Tuesday and is expected to return on Sunday ahead of the presidential election and monsoon session of parliament on July 18, sources said.

The party, however, did not reveal any details of his visit and called it personal.

Gandhi, who is often criticized by the BJP for his frequent overseas visits, will skip a crucial party meeting on Thursday for preparations for the “Bharat Jodo Yatra” and internal Congress elections, where all general secretaries, officials and presidents of the CCP were invited.

The Congress meeting scheduled for Thursday will likely see discussions on electing the party’s chairman. The post of Congress Speaker is currently held by Sonia Gandhi after Rahul Gandhi resigned following the loss of the Lok Sabha poll in 2019.

Congress leader Rahul Gandhi’s visit to Nepal in early May sparked controversy after the BJP published photos of him at a nightclub in Kathmandu. Congress then retorted that there was nothing wrong with a personal visit for a journalist’s wedding.

Rahul Gandhi’s visit to Nepal came on the heels of the party’s poor performance in parliamentary elections in Punjab, Uttar Pradesh and other states.

In the second half of May, Rahul once again traveled abroad and once again paved the way for questions from the BJP about his visit. The BJP has raised questions over Rahul Gandhi’s refusal to get political clearance for the visit to Cambridge in the UK, however, Congress has said such clearance is not required.

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Payday Loans Market Report 2022-2027: Creditstar, Lending Stream, Myjar

payday loan

OREGAON, PORTLAND, USA, July 12, 2022 /EINPresswire.com/ — Allied Market Research released a report titled “payday loan market By type (storefront payday loans and online payday loans), marital status (married, single, and others), and customer age (under 21, 21-30, 31-40, 41-50, and over 50): Global Opportunity Analysis and Industry Forecast, 2021-2030”.

The report offers an in-depth analysis of drivers and opportunities, key segments, major investment pockets, competitive landscape, and value chain. These data, statistics and information will prove useful to market participants, shareholders, new entrants and investors to gain market insights and adopt various growth strategies.

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The research provides a comprehensive analysis of drivers, restraints, and opportunities in the global payday loans market. This information is valuable for identifying driving factors, highlighting them and implementing strategies to help achieve sustainable growth. Additionally, market players, investors, and startups can use this information to determine new opportunities, explore market potential, and gain competitive advantage.

The report provides a detailed impact of the Covid-19 pandemic on the global payday loans market. This information will help market participants, investors and others to change their strategies accordingly to deal with the pandemic and stay in the market.

Key market segments include:

• By type
o Storefront Payday Loans
o Online payday loans

• By marital status
o Married
o Others

• By client’s age
o Under 21
o 21 to 30
o 31 to 40
o 41 to 50
o More than 50

A detailed analysis of each segment and sub-segment is provided in the report. Tabular and graphical formats are used to allow better understanding. This analysis is valuable in identifying the most dynamic and revenue-generating segments. It will help market players adopt various strategies to achieve sustainable growth.

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The research offers detailed analysis of the global payday loans market by region. The regions analyzed in the study include North America (United States, Canada and Mexico), Europe (Germany, United Kingdom, Russia, Spain, France and Italy), Asia-Pacific (China, Japan, Korea, India and rest of Asia-Pacific) and LAMEA (Latin America, Middle East and Africa). The data and statistics mentioned in the research are valuable in determining strategies such as expanding into specific regions and exploring untapped potential in different markets. AMR also offers customization services for specific region and segment as per customer requirements.

Main benefits for stakeholders
• This report provides a quantitative analysis of market segments, current trends, estimates and dynamics of the 20WW-20MM Operating Room Equipment market analysis to identify current opportunities in the equipment market of operating room.
• Market research is offered with information related to key drivers, restraints and opportunities.
• Porter’s Five Forces analysis highlights the ability of buyers and suppliers to enable stakeholders to make profit-driven business decisions and strengthen their supplier-buyer network.
• In-depth analysis of operating room equipment market segmentation helps to determine existing market opportunities.
• Major countries in each region are mapped according to their contribution to global market revenue.
• Positioning of market players facilitates benchmarking and provides a clear understanding of the current position of market players.
• The report includes analysis of regional and global Operating Room Equipment market trends, key players, market segments, application areas and market growth strategies.

Interested potential key market players can inquire for purchase of the report at: https://www.alliedmarketresearch.com/purchase-enquiry/10377

The report offers a detailed analysis of key market players operating in the global Payday Loans Market. Key market players analyzed in the report are Cashfloat, CashNetUSA, Creditstar, Lending Stream, Myjar, Silver Cloud Financial, Inc., Speedy Cash, THL Direct, Titlemax, and TMG Loan Processing. They have implemented various strategies including new product launches, mergers and acquisitions, joint ventures, collaborations, expansions, partnerships and others to achieve growth and gain an international presence.

The adoption of the payday loan market is increasing significantly in recent years due to its usefulness and efficiency. With the rapid advancements in technology, the application areas of the payday loans market are expanding into various fields. The research offers a comprehensive analysis of drivers, restraints, and opportunities in the global payday loans market.

About Us:
Allied Market Research (AMR) is a full-service market research and business consulting division of Allied Analytics LLP based in Portland, Oregon. Allied Market Research provides global corporations as well as small and medium enterprises with unparalleled quality of “Market Research Reports” and “Business Intelligence Solutions”. AMR has a focused vision to provide business insights and advice to help its clients make strategic business decisions and achieve sustainable growth in their respective market area.

Pawan Kumar, CEO of Allied Market Research, leads the organization in delivering high quality data and insights. We maintain professional relationships with various companies which helps us to extract market data which helps us to generate accurate research data tables and confirm the utmost accuracy of our market predictions. All data presented in the reports we publish are drawn from primary interviews with senior managers of large companies in the relevant field. Our secondary data sourcing methodology includes extensive online and offline research and discussions with knowledgeable industry professionals and analysts.

David Correa
Allied Analytics LLP
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Taplejung attracted to private forestry « Khabarhub

The Taplejung attracted to private forestry

The Taplejung attracted to private forestry

Image for Representation/USAID Photo

TAPLEJUNG: Residents of Taplejung District have been lured by the expansion of private forests lured by handsome revenues, according to the Divisional Forestry Bureau.

The availability of feasible grants has also helped, the office said. The Bureau has awarded grants to eight farmers for the expansion of private forests in the current financial year, 2021/22.

The farmers received 100,000 rupees in subsidies each. The farmers who got the subsidies are hard workers and they got them for the expansion and maintenance of the private forest, said district chief Mahesh Kumar Pokharel.

There are many indicators for beneficiary selection to make the private forestry program effective, he said.

For the selection of beneficiaries, a focal team headed by the head of the divisional forestry office was formed.

The team representatives are drawn from the local government, Federation of Community Forestry Users of Nepal, Chamber of Commerce and Industry and Kanchenjunga Conservation Area Management Board.

The Divisional Forestry Office managed the nursery in six locations (Divisional Forestry Office, Pathibhara Sub-Division Office, Tokme, Tellok, Dovan, Santhakra and Tiringe) in the district.

The nurseries have 100,000 medicinal herb seedlings, 150,000 annual seedlings of various trees and 30,000 seedlings of perennial trees, the forestry office said.


Best payday loans and bad loans with guaranteed approval in July 2022

Do you intend to apply for a bad credit ready? Maybe you have bad credit or have been through a tough financial time. Are you late with your bills or do you owe money to a family member? Or maybe your car is in urgent need of repair costs or you just need money for your living expenses.

Surely, a bad credit loan with guaranteed approval and/or no credit check might just be what you need. In this in-depth review, we are going to highlight some of the major bad credit loan direct lenders. These companies are among the best in America for having strong customer satisfaction.

Truth be told, not all bad credit lenders are favorable to you. Of course, these lenders allow all types of emergency loans. What you need to watch out for and pay close attention to are the interest rates offered by some of these direct lenders.

We are pleased to introduce you to the leader payday loan lenders in this review. Some of the positive and negative reviews of these lenders are also available.

So sit back and enjoy this good read. This is sure to be one of the best bad credit loan reviews you will ever read. Here we are:

#1. MUTUAL MONEY – Best direct payday loan lender in America

#2. CREDITLOAN – Best installment loan provider today

#3. FUNDSJOY – Loans for bad credit without credit check

#4. REAL AMERICAN LOAN – Instant loans for bad credit

#5. XMASFUNDS.COM – Best emergency loans in 2022

#6.FUNDSDON – Loans for bad credit with fast approval

#1. MoneyMutual – The best bad credit lender in America

You may have been aware MoneyMutual as it is one of the best emergency loan providers in the industry. They are fast, reliable and service oriented. In addition, they have under their aegis one of the excellent spokespersons

Do you know Montel Williams?

One of the famous daytime talk show hosts. Montel’s customers grew exponentially in the 1990s. After a hugely successful career in daytime talk shows, Montel Williams moved into promoting MoneyMutual.

Since he is so famous, people will tend to come up to him and follow him, and they did. Montel Williams’ haters have come out of the woodwork and sued him for promoting a “bad credit loans” company. They said Montel exploited them by promoting a company that only went after people when needed.

Our opinions differ. Montel Williams has always shown himself to be a model citizen both during his time as a daytime talk show host and after. His MoneyMutual endorsement was a success in itself.

Visit the official Money Mutual website now!

#2. CreditLoan – Bad Credit Check Loans with Guaranteed Approval Online in 2022

Our strong second after MoneyMutual is CreditLoan. Their rise is so sudden, we were completely surprised! No one gave them much luck, but all of a sudden they started gaining momentum as a bad credit lender. Loan amounts and interest charges are basically the same as in MoneyMutual, but with a different branding. They are surely a good competition for MoneyMutual.

CreditLoan is certainly an up-and-coming money lender to watch out for. More about customer satisfaction. In this, as they continue to grow as a payday loan provider, they are able to maintain the same level of exceptional customer service for their clientele. Time will tell, as the personal loan industry is competitive.

Visit the official CreditLoan website now!

#3. FondsJoy – Bad credit emergency loans with 48 hour approval

FondsJoy is one of our most admired short-term loan providers. They are an absolute first on their marketing and user-friendly website. Their use of color on their website is very good as it creates a comfortable user experience for anyone looking for loans without credit check.

With FundsJoy, managing their rapid expansion is a breeze. Like CreditLoans, FundsJoy is very promising. As more and more people with bad credit apply for fast loans, are they able to handle the back-end and customer service that comes with an increased number of people taking out loans for bad credit.

There is nothing to say with this company. We’ll continue to keep an eye on this one. We definitely favor them and endorse them to anyone in need of a bad credit loan.

Visit the official FundsJoy website now!

#4. True American Loan – Best personal loans for veterans and army officers


The name says it all – this bad credit loan provider caters to real Americans. Their target market as well as those who did payday loans with them were really Americans.

So how do you identify someone as a true American? Well, first and foremost, their love for America should be imminent. As such, this loan provider is popular with so many Americans all across our great country. Whatever loan you may need – payday loan, bad credit loan, no credit check loan, short term loan, installment loan, 24 hour loan, $500 loan, $300 loan or $100 loan – this company certainly provides them all.

So you might want to ask, are they as distinguished as MoneyMutual? Definitely not. But bigger isn’t always better, right? What is important is that they can provide the best loan for bad credit to the needs of their customers.

Visit the True American Loan website now!


It may sound strange, but give us a chance! This money lender is definitely in demand this Christmas – as amazing as you might think. Seriously – SUPER popular. There are many people during the holidays who need money quickly and need emergency loans.

Do you think a bad credit lender tagged with Christmas only succeeds during Christmas time?

Well, check that out…even when it’s not Christmas time, this payday lender still manages to operate consistently. Why do you think that? The most popular opinion is that people love Christmas. Anything Christmas-sy is generally accepted.

Please take the time to check out this money lender, especially if you are looking for $5,000 loans.

Visit the official XmasFunds website now!

#6. FundGift – Fast cash with guaranteed approval and loans for bad credit

FundGift is a fairly new company. They can clearly cope with MoneyMutual without a doubt. See what we did there?

What’s most remarkable about FundsGift is how quickly they grew their customer base. Watch how fast they lend all types of bad credit loans with guaranteed approval to their customers. The rate at which they hand them out makes you think they’ve been in the business for years!

We are excited to see how far FundsGift will grow. Will they be as big as MoneyMutual in the future? We are now seeing conflicting opinions – some yes they will but not all are convinced.

The future is uncertain right now, but when it comes to short-term loans and overnight loans, FundsGift is definitely number 1. MoneyMutual might be a good choice for $5,000 loans and loans, though. of $10,000.

Visit the official FundsGift website now!

How to Avoid Bad Loan Scams

With good, there is always bad. Unfortunately, we have to let you know that there are a lot of bad credit loan scams out there. Some people take advantage of others and present fake bad credit loan companies.

As such, you should be very careful when working with a new payday lender. Maybe you found this company online and don’t know anything about them. If so, proceed with caution. Especially if they have little or no online presence.

Some of these terrible companies will trick borrowers into providing their personal information. Once they have done this, they sell the borrower’s personal information to other third parties, and the borrower is contacted by companies who only want to deceive the borrower.

These bad companies may offer a bad credit loan to an individual, ask them to provide a deposit for their loan, and once they send the deposit, the company runs away with their money.

As such, it is so important for us to review that you should always be very careful when looking for a loan for bad credit. There are many bad people who will try to take advantage of you by stealing your personal information and money.

Final Words on Installment Loans and Payday Loans

This is ultimately the conclusion of this review. We analyzed six of the best loan for bad credit lenders in America. As we promised, we discussed the pros and cons of each lender.

Based on the information we have shared, you should be able to make a wise choice on which bad credit lender is best for you. After reading our in-depth articles, borrowers usually come to their own conclusion as to which lender to choose. And there are also those who are still undecided.

However, there is no reason to worry. There are other people who feel the same as you. For people like you, we suggest sticking with the largest bad credit loan provider in America. Yes, nothing but the best, which is MoneyMutual.

Please go to the official website of MoneyMutual by clicking on the link below. And start applying for a bad credit loan now!

Visit MoneyMutual official website now!

Bad Credit Loan Company Winner: MoneyMutual

We would like to officially conclude this article by talking more about MoneyMutual. This is the company we select as the best bad credit lender. Some may agree with our decision, others may not. The important thing to remember here is that we rank MoneyMutual on the following criteria. The criteria are:

  • Global customer service
  • Loan turnaround time
  • Market share
  • Online presence

When you compare any other payday lender to MoneyMutual, no one else comes close. MoneyMutual has been dominating the market share in this sector for years. We expect them to continue to take the lion’s share in the future.

So, we end with this, if you need a bad credit loan company now, select MoneyMutual. They are the best in the business and you will not regret your decision if you select them.

Apply now for a bad credit loan!

Motorola Moto G22 Price in Nepal, Specs, Features, Camera, Design


Motorola is set to launch the Moto G22 in Nepal. It is a budget smartphone unveiled in March 2022.

Motorola Moto G22

In this article, we are going to go over the features and functionality of the Motorola Moto G22.

Motorola Moto e40 Specifications

  • Body: 163.95 x 74.94 x 8.49mm, 185g, Dual SIM (Nano-SIM, dual standby), water repellent design
  • Display: 6.5-inch IPS LCD, 720 x 1600 pixels, 90Hz refresh rate, 20:9 ratio
  • Chipset: MediaTek Helio G37 (12nm)
  • CPU: Octa-core (4×2.3 GHz Cortex-A53 and 4×1.8 GHz Cortex-A53)
  • GPUs: PowerVR GE8320
  • Memory: 64GB RAM 4GB, 128GB RAM 4GB, supports microSDXC
  • SE: Android 12
  • Rear camera: 50 MP, f/1.8, (wide), 0.64µm, PDAF
    • 8 MP, f/2.2, 118˚ (ultrawide), 1/4.0″, 1.12µm
    • 2 MP, f/2.4, (macro)
    • 2 MP, f/2.4, (depth)
    • Video: [email protected]
  • Front camera: 16 MP, f/2.5, (wide), 1.0µm
  • Battery: Non-removable 5000mAh Li-Po battery, 20W charging
  • USB: USB Type-C 2.0, USB on the go
  • Various : Fingerprint (side-mounted), accelerometer, gyroscope, proximity, compass, 3.5mm headphone jack
  • Colors: Cosmic Black, Iceberg Blue, Pearl White

Motorola Moto G22 price in Nepal: TBD

Introducing the Motorola Moto G22


The Motorola Moto G22 has a plastic body with Motorola markings on the back. The device is available in three colors: Cosmic Black, Iceberg Blue and Pearl White.

Design of the Motorola Moto G22
Design of the Motorola Moto G22

The bottom side has a speaker, USB-C port, and microphone. Likewise, the power and volume buttons are located on the right, while the 3.5mm headphone jack is located on the top.

READ ALSO : Realme GT 2 Pro review: Realme’s first true flagship smartphone


He has a 6.5-inch HD+ IPS LCD screen. The display may refresh up to 90Hz.

Instead of the traditional teardrop notch found on many low-end phones, it sports a modern punch-hole cutout on the top for the selfie camera.


The phone is powered by a MediaTek Helio G37 chipset. This is probably the first phone launched in Nepal with this processor.

The Helio G37 is an entry-level octa-core SoC based on 12nm process technology. It has four 2.3 GHz Arm Cortex-A53 CPU cores, four 1.8 GHz Arm Cortex-A53 CPU cores, and a PowerVR GE8320 GPU.

The phone comes with 4GB of RAM and 64GB/128GB of storage.


The smartphone has a quad-camera setup on the back. The installation consists of a 50MP main cameraa 8MP Ultra Wide Cameraa 2MP depth sensor and a 2MP macro camera.

The front has a 16MP selfie camera. The rear camera can record video at up to 1080p at 30 fps, while the front can record video at up to 720p at 30 fps.

Battery and operating system

Moto G22 comes with a 5000mAh battery. The device supports 20W fast charging.

Moreover, it runs on an almost stock Android 12 operating system.

Motorola Moto G22 price in Nepal and availability

The price of Motorola Moto G22 in Nepal is expected to be around Rs. 18,000. According to our sources, the phone is expected to be launched in August 2022 in Nepal. After launch, it will be available for purchase at mobile retail stores across the country.

Motorola Moto G22 Prices in Nepal (expected)
4 GB + 64 GB Rs.18000

READ NEXT: Motorola Mobile Prices in Nepal: Features and Specifications

The Motorola Moto G22 is a budget smartphone that comes with an entry-level Helio G37 chipset. It is a decent chipset which is capable of handling light tasks.

The design of the G22, on the other hand, is really good for a budget phone. Moreover, it has a 50 MP main camera and an 8 MP ultra wide camera. And it comes with the latest Android 12 out of the box.

What do you think of the Motorola Moto G22? Let us know in the “Comments” section!

Also watch our test of the Xiaomi Redmi 10 in Nepali.

Citroën exchange camp

Arrival of a senior Chinese official in Kathmandu

Kathmandu, July 10 (IANS): Liu Jianchao, the new head of the Communist Party of China’s (CPC) International Liaison Department, arrived in Kathmandu on Sunday at a time when reunification talks are currently underway between Nepal’s main communist parties.

Beijing had backed unity between two communist forces in 2017 which gave communist Nepali Nepal a landslide election victory.

The two main communist parties, the CPN (UML) and the CPN (Maoist Centre), formed the Communist Party of Nepal and nearly two-thirds majority government in 2018.

But a Supreme Court verdict in March 2018 nullified the unity between the two parties and they separated and reorganized the same old party.

This time again ahead of the proposed November 18 elections, China sent one of its senior diplomats to Kathmandu in a bid to push for a similar kind of unity between major communist parties like the UML led by the UML. former Prime Minister KP Sharma Oli. and the Maoist Center headed by Pushpa Kamal Dahal.

The six-member Chinese delegation will meet President Bidhya Devi Bhandari, Prime Minister Sher Bahadur Deuba, Foreign Minister Narayan Khadka, as well as Oli and Dahal among the Communist leaders, according to the Foreign Ministry.

The meeting with Deuba and Khadka will take place on Sunday.

Apparently, the Chinese suspect the outgoing Deuba government of bowing with the US and the West, as it has accepted and ratified the Millennium Challenge Corporation’s $500 million Nepal Compact.

Beijing had strongly opposed Nepal’s decision to ratify the MCC, saying it was an attempt to curb Beijing’s rise in Kathmandu.

Later, the Deuba government strongly supported Ukraine, which also raised suspicions in Beijing.

So far, China has maintained its neutrality in the Russian-Ukrainian war.

Beijing’s concerns grew further after the United States offered the Himalayan nation to sign the State Partnership Program (SPP), which offered various types of military and defense support to the Nepalese army.

After huge controversy and uproar, the Nepalese government decided not to join the SPP, a move welcomed by Beijing.

Liu’s visit to Nepal is his first overseas trip since he took over as head of the CCP’s international liaison department in June.

According to the party leaders, the talks between the two sides will also focus on Nepal-China relations, strengthening inter-party relations, accelerating China-funded projects, among others.

Book Nook: Conquering Powerful Fears – Saachi Dhillon’s first book traces his journey to Everest


Steeped in Sherpa culture, Namche Bazaar in northeast Nepal is a bustling place filled with thousands of trekkers passing through this Himalayan town – a song in their heart, a prayer on their lips, the spirit of surrender to the mighty mountains and the resolve to “find their Everest”.

On the sunny day of May 3, 2019, Saachi Dhillon from Chandigarh found herself among the trekkers. A marketing communications professional, the traveling chica was about to realize her dream of going to Everest Base Camp (EBC). At an altitude of 5,364 meters, the 12-day EBC trek on the south side of Lukla Airport is a sought-after route in the Himalayas. Dhillon then published his first book “Dreaming of Everest” on the third anniversary of this momentous experience.

“The mountains give me a feeling of calm. My ultimate goal is to have a house in the hills,” says Dhillon. The dreamcatcher on the cover of his book captures it perfectly.

The book took shape after Dhillon wrote about his adventure in a creative writing class. Encouraged by the feedback, she decided to write it in a long version in 2020 during confinement. The year 2021 was another mountain to climb as it needed to find a publisher, which Dhillon eventually did with Ukiyoto. An intrepid traveler who has visited 22 countries, it was her time in the UK, where she lived independently for three years, that allowed her to embark on solo travels.

“I fell in love with the beautiful Himalayas while trekking in Nepal seven years ago,” says Dhillon.

Sir Edmund Hillary, who along with Sherpa mountaineer Tenzing Norgay became the first mountaineer to summit Mount Everest in 1953, is famous for saying: “It is not the mountain that we conquer, but ourselves”. . “I had a knot in my stomach, but the Himalayas have a strange hold on me,” Dhillon gets philosophical and we can almost visualize her having tea with Tenzing Norgay’s niece, Tshering Doma, aged 70 years old, hear the gushing sound of Dudh Koshi and Bhote Koshi rivers and cross the Hillary Bridge.

It’s like we too can taste the steaming Sherpa soup and dal bhaat, hear the story of the monk and the Yeti at the 16th century Pangboche Monastery, soak up the scenic views, his amusing skirmishes with the very temperamental donkeys, and share her hope that she would run into Tom Cruise at EBC – yes, there he was! Saachi was also lucky to find herself in a large group of hikers, enthusiastic and supportive people and a superb guide.

“Altitude sickness, extreme weather conditions, fatigue, anxiety…it was hard for a germophobe like me, to go without a bath for days, to share rooms, dirty toilets, a nasty cough. It’s a mental battle. Saachi persevered, especially in the final stage when her oxygen level dropped, but found she was stronger than she thought. It was a humbling experience that made him let go of the metaphorical “weight we carry.”

“Once in a while we have to get out of our comfort zone and do what makes us alive. Just trust your instincts, and yes, pack light, pack layers, enough cash, waterproof covers and hiking poles,” says Dhillon. She is ready to climb the Ama Dablam, the Matterhorn of Everest, then. “Anita Kundo, who has climbed Everest three times, told us: this is just the beginning of everything you can achieve; let this be the starting point.

Fresno artist shares images of Latin culture on Instagram

“El Farm Worker” (2020) by Alfredo Ponce, also known as the Pholk Giant on Instagram, is part of Amplifier’s COVID-19 Emergency Campaign Collection.

Alfredo Ponce via amplifier

After the Supreme Court overturned Roe v. Wade, the landmark 1973 decision that established abortion as a constitutional right, Sanger resident Alfredo Ponce picked up his iPad and started drawing.

One of the colorful images he created features Rep. Alexandria Ocasio-Cortez surrounded by pro-choice slogans such as “keep abortion safe and legal.” Another shows a woman with a palace (bandana) around her neck, holding a sign in Spanish proclaiming a woman’s right to choose whether or not to have an abortion.

Ponce then posted the images to Instagram, where his 9,500 followers know him as Pholk Giant. They are among some 10,000 images he has posted on the platform over the past decade. His work, which is often tied to current events in the San Joaquin Valley and nationally, captures the joys as well as the struggles of the Latino community.

Alfredo Ponce created artwork containing pro-choice imagery and slogans and posted it on Instagram, where his 9,500 followers know him as Pholk Giant. Courtesy of Alfredo Ponce

“I think the goal (of my art) is ultimately to understand, to better understand who we are,” Ponce said. “Deep down inside, there’s a lot of things that really connect us, and all I’m trying to do is get people to dig deep.”

Born in the small town of Yahualica in the Mexican state of Jalisco, Ponce attributes his creativity to his humble upbringing shared between Yahualica and the mountains of Jalisco. He immigrated with his parents and five older siblings to Fresno when he was 9 years old and grew up picking grapes with his family.

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In high school, Ponce wrestled, played soccer and danced folklore, traditional Mexican dances, from which derives its artistic name, Pholk Giant. He graduated from Fresno State and the University of Southern California and now works as the principal of Sanger’s Community Day School.

He also found success as a self-taught vector graphic artist. The US Library of Congress acquired four of his images. Comedian and actor George Lopez has commissioned his work and other Latin American celebrities have shared his images over the years.

The Fresno Bee interviewed Ponce on July 6 to learn more about what inspires his works. The interview has been edited for length and clarity.

What subjects or ideas inspire your art?

I focus on the Latino community as a whole, we are so diverse. I’m Mexican, but I try to focus on issues that arise in Latin American countries. We come in all sizes, shapes and colors, but there are a lot of stereotypes. It is important for us to break them.

I try not to limit myself. I do a lot of artwork that portrays our culture in a positive light and movements for social change. When Black Lives Matter started I created tons of pieces and I actually created a lottery with social justice leaders and African American icons.

“El Cashier” (2020) by Alfredo Ponce, also known as the Pholk Giant on Instagram, is part of Amplifier’s COVID-19 Emergency Campaign collection. The Library of Congress has acquired four of Ponce’s artworks honoring essential workers. Courtesy of Alfredo Ponce via Amplifier

Immigration issues are important to me. As a former farm worker, it is important to show our diversity and possibilities. Our people, our kindlygo to the Moon and go to Mars, so I like to show the full range of who we are and how complex we actually are.

And the pandemic too. My wife is a doctor by profession. One of the things I wanted to do was focus on essential workers and the lack of attention they have received throughout the COVID-19 pandemic. I developed a lottery together and some (additional artwork) focusing specifically on essential workers.

How does your work engage the Latino community?

I think the ultimate goal is to understand. Better understand who we are. I can put a work of art there and sometimes it rubs people the wrong way.

For me, that’s the whole point: to enable people to think critically. Some people might be offended, but deep down inside of us there are a lot of things that connect us. Really, all I’m trying to do is get people to dig deep, and I don’t mind disagreeing.

I like disagreements. As long as they are respectful and polite, I will commit. If they’re mean then I leave them alone, but it’s really to allow and start conversations about how we’re more alike than we’re not. In the end, we are all human.

There are tons of differences, but the world is small these days, especially with social media. I contacted people from all over the world: different countries in Latin America, Germany, India and Nepal.

What was it like creating art for George Lopez?

George Lopez is very kind. I uploaded an image of George Lopez as lottery picture, and he private messaged me and his phone number, and he told me to call him!

I was driving and I was like “oh my god, just let me park because I don’t know what to say” and he was very professional, very nice.

Alfredo Ponce, also known as Pholk Giant on Instagram, was commissioned by comedian George Lopez to create a complete lottery, a traditional game of chance, featuring designs of Lopez as different Latino characters or icons. Courtesy of Alfredo Ponce

I did a whole lottery set for him. At the time I was just getting started, and he wanted other products and I just couldn’t make them for him, but I designed his lottery together with images of him as Professor Jaime “Kemosabe” Escalante from the movie “Stand and Deliver”, as Fernando Valenzuela, superhero, engineer, his joke “tan taran”, el Chicharito, Día de los Muertos ( Day of the Dead), Emiliano Zapata, other Mexican artists and icons.

When he came to Fresno a few years ago he invited me to one of his shows and I got to meet him and I had about 10 posters that he signed for me, autographed, that I donated to charity.

Why do your images of farm workers often feature skulls?

If you look at some of campesino (farm worker), if they are picking fruit, it is actually not fruit. If you actually look at the baskets they’re holding, some of them actually have skulls. As we look to our agricultural workers who have enabled us to survive this pandemic and feed us regularly, they are exposing themselves to the elements and to many of the pesticides that exist.

Alfredo Ponce, also known as Pholk Giant, depicts farm workers picking skulls instead of produce, along a path between fields of COVID-19 virus particles. Courtesy of Alfredo Ponce

Constant exposure to the elements and pesticides causes a lot of damage and it is important that people are aware of this. The purpose of these images is to be more respectful and attentive, to take care of the people who take care of us.

One of the images I have is of a farm worker working and there’s a plane flying around, spraying things like pesticides. Previously, it was quite common for workers to work and the plane to fly over them, spraying them as well.

What is your goal for Pholk Giant on Instagram?

I hope this initiates the dialogue. We are at this stage where, if we belong to different political parties or if we have different political opinions, we cannot even talk to each other.

Part of the concept of showing my artwork is that it creates a conversation that initiates a dialogue so that we can at least agree to disagree on some points.

If I manage to initiate understanding and conversations with my artwork, I think I’ve done my job.

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Millions are due repayments on expensive credit cards and payday loans – are you owed cash?

MILLIONS of people who were wrongly sold unaffordable credit on cards, loans and overdrafts could be compensated.

Even those who have already repaid what they owed could claim thousands if they can prove that paying off the debt was difficult in addition to day-to-day life.


Millions who were wrongly sold unaffordable credit on cards, loans and overdrafts could be compensatedCredit: Getty

Lenders are responsible for verifying whether a borrower can afford to repay a loan before extending credit.

More than half of complaints about unaffordable loans are upheld by the Financial Ombudsman Service, which decides whether a customer owes a refund.

Debt counselor Sara Williams says, “Most people who have trouble with money worry it’s their fault, but lenders shouldn’t put big limits on it.”

This week, Rosie Murray-West explains who can recover — and how to do it.

I'm an Engine Expert - Beware of Stuff That Won't Save Gas Money
Millions miss pay rise - full list of those affected


ANY of the following could be worth checking out, according to Sara, who runs the debt collection website Debt Camel:

  • Personal loans intended for short-term credit
  • Auto Finance Loans
  • Guarantee loans that a relative or friend had to repay in the event of default
  • Standard personal loans whose monthly repayment was unsustainable given your financial situation
  • Bank overdrafts increased without financial control
  • Credit cards with high spending limits

Even if you have repaid the loan or closed the bank account, you can still claim.


YOU won’t get it all back, but the ombudsman usually orders companies to refund you the interest you paid, any additional costs, plus eight percent more interest.

You will always be expected to repay the amount you borrowed.

For example, a customer who borrowed £5,000 and repaid £250 over 36 months would receive £4,320, or £4,000 in fees and charges and 8% interest.

It usually requires that any black marks on your credit report due to debt be removed as well.


THERE IS NO WARRANTY. However, the financial ombudsman withholds more than half of loan complaints after lenders refuse to repay, so the odds are in your favour.

The mediator will issue a legally binding decision for the company. But it can take more than three months, so be prepared to wait.

If you still don’t agree after the ombudsman makes a decision, your only option is to sue the lender.

You should bear in mind that you will have to pay legal fees – and these could cost thousands of pounds. Again, there is no guarantee that you will win.


If the lender does not resolve your problem within eight weeks or if you are not satisfied with their response, you can report it to the Financial Ombudsman Service.

The countdown starts from the moment you file this complaint, whether you do so by phone, email or post.

You must do so within six months of the company’s response.

You can complain online at financial-ombudsman.org.uk. Or call 0800 023 4567.

Either way, your submission is free.


You should avoid companies that charge a fee to claim on your behalf as this will reduce any compensation and not speed up the process.


You should avoid companies that charge a fee to claim on your behalf as this will reduce any compensation and not speed up the process.Credit: Getty

COMPLAIN directly with your lender first. You can do this yourself or use a free dispute resolution service such as Resolver (solver.co.uk).

You should avoid companies that charge a fee to claim on your behalf, as this will reduce any compensation and not speed up the process.

Debt Camel has free letter templates on its website if you choose to go it alone, as well as tips on how to customize them.

If your lender is bankrupt, the rules are somewhat different and in some cases you may not be able to claim at all.

Researching the company name on the Resolver website should show you what to do in your specific situation.

The lender can pay you back immediately. If not, it’s worth fighting for.

When you complain, include evidence that you shouldn’t have received the credit because the lender should have been able to see that you couldn’t afford it.

Evidence may include bank statements from when you took out the credit showing that you already had several loans or that you were a regular player.

You can also use your credit report from that time as proof.


% of complaints confirmed by the ombudsman

Guarantee loans: 68%

House credit: 66%

(Also known as home equity loan)

Logbook Loans: 62%

(Credit secured against your vehicle)

Personal loans: 45%

Payday Loans: 46%

Overdraft: 45%

Credit card: 37%

£442 Free groceries


Credit: Getty

THOUSANDS of cash-strapped families are missing out on supermarket vouchers worth up to £442 a year.

The Healthy Start program provides low-income parents with extra help to buy milk, vegetables, fruits, legumes and vitamins.

You must be at least ten weeks pregnant or have a child under the age of four and receive an eligible benefit to get support.

New applicants receive a prepaid card which is topped up with digital vouchers every four weeks. Parents can get between £4.25 and £8.50 per week, or up to £442 per year.

Data from the NationalWorld website suggests that 115,000 people do not get free support.

But with millions of people struggling with a crippling cost of living crisis, it is essential to seek all the help possible. For more information, visit healthystart.nhs.uk.

I am mom of
Our garden fence has been broken for months - my children can't play outside


NEARLY 200,000 people have a savings pot worth around £2,000 that they don’t even know about.

The latest data reveals that £374m remains untouched in lost Children’s Trust Funds (CTFs).

CTFs were automatically opened by the then Labor government for children born between 1 September 2002 and 2 January 2011. They were later replaced by Junior ISAs.

Children with a CTF received a £250 voucher at birth. Low-income families could get £500.

Children born between 2002 and 2011 also received an additional £250 when they turned seven. Parents could decide whether the money would be invested in stocks and shares or saved in cash.

Savings were not accessible until the child reached the age of 18. But many young adults who have come of age don’t even know they have an account – and could lose thousands of pounds.

You can find a lost CTF using the government’s online search service at gov.uk. Parents can also contact HMRC to find an account for their child.

China in Nepal: another proxy war with India?

By Lieutenant General Shokin Chauhan

“If China succeeds in replacing India as Nepal’s key economic and security partner…it would have crossed the Himalayan borders that separate the Indian mainland from China.” Shashank Shukla

Historical perspective

Nepal’s relationship with China’s first recorded official engagement dates back to the mid-seventh century, when Nepal’s armed incursions into Tibet led to Chinese intervention favoring the latter. This culminated in the signing of the Sino-Nepalese Treaty of 1792, which provided for a Nepalese tributary mission to China every five years, a symbol of China’s political and economic supremacy in the region.

Tibet was the focal point of their on-and-off relationship for many years until 1814-16, when British India entered as another significant contender for Nepalese loyalty. In the First Anglo-Nepal War of 1814, China refused to come to Nepal’s aid and voluntarily ceded its dominant position in Nepal to growing British influence in the region.

The Chinese addressed the king of Nepal with the title “Wang”. China seemed to use this title for the Nepalese monarch since they considered him a vassal of the Chinese Empire. The first treaty between Nepal and Tibet dates back to 1789, when Tibet, defeated by Nepal, agreed to pay an annual tribute to Nepal. In 1791, Nepal again invaded Tibet, but this resulted in a Ch’ing victory over Nepal in 1792, forcing Nepal to pay a continual five-year tribute to China. The treaty required the Nepalese to send diplomatic missions with gifts to the Manchurian Emperor every five years. This tribute was viewed differently by the Prime Minister of Nepal, Chandra Shum Shere (1863–1929), while clarifying this matter in his letters to the British resident in Nepal, John Manners Smith. He said this “tribute” was a simple exchange of gifts between two independent countries. “We have always considered our relations with China to be long-standing, simple, friendly and innocent in nature. This country’s missions in China were embassies from one court to another, which were invariably treated with the honor and consideration due to foreign guests of honor”.

China’s main interest in Nepal

China’s primary interest in Nepal has always been guided by its concerns over Tibet, which China has ruled since 1950. Beijing’s involvement with Nepal intensified much after the March 2008 Tibetan ethnic uprising. against Chinese rule, which deeply embarrassed the Chinese government on the eve. of its 2008 Olympics. An estimated 25,000 Tibetans live in Nepal, but with China pushing Nepal to tighten its border with Tibet, the number of new refugees reaching Nepal has dropped to a trickle from the previous annual figure about 2,500. China has also placed more emphasis on economic ties, with trade between China and Nepal quadrupling since 2003.

Nepal, on the other hand, has always looked to either China or India, depending on what it sees as crucial for its survival at that time, given its delicate position wedged between the two Asian superpowers. Maintaining a balanced relationship with China remains Nepal’s key and critical element in its “China” foreign policy.

When India gained independence in 1947, the vacuum created in the power equation after Britain’s departure sought to be filled by India trying to emerge as Asia’s premier power. from South. This resulted in the initiation of two binding treaties with Nepal, firstly the Indo-Nepal Peace and Friendship Treaty of 1950, and secondly, the Trade and Transit Treaty. These treaties served as the basis for the initiation of bilateral relations between a newly independent India and Nepal and resulted in the articulation of the identification of too many cultural and historical similarities between the two nations, which although well intentioned , have created suspicion in the minds of the Nepalese. politicians about India’s long-term intentions. They also felt that these treaties reminded them of their perception of their inferior status vis-à-vis India.

Subsequently, a series of events including the Indo-Soviet Treaty of Peace, Friendship and Cooperation in 1971, the Indo-Pakistani War and the establishment of Bangladesh, the merger of Sikkim into India in 1974 and later, India’s unofficial support for the political opposition in Nepal and finally the beginning of the Naxalite movement along the Indo-Nepal border”, in the Siliguri and Naxalbari regions of West Bengal, caused apprehension in the mind of the King of Nepal and his coterie of advisers, who believed that the overflow of this Naxalite movement could lead to a bigger problem in Nepal, given the great disparity in living standards among the Nepalese. Later, India’s nuclear explosion in 1974 and its decision to emerge as a declared nuclear power added to Nepal’s discomfiture and fueled its insecurity about the impact of India’s growing stature in as a regional power and to its intentions towards Nepal.

It is in this context that Nepal has restarted and reshaped its ties with China as a possible counterweight to India. Certain international events also influenced this decision to return to China; most significant was India’s defeat in the Indochinese Border War in 1962 and the beginning of an aggressive Chinese stance regarding continued disputed border claims with India. This event caused alarm within the Nepalese power and political structures, which felt that China would do the same to them sooner or later if it was not influenced now. Moreover, this insecurity of Nepal has also pushed China to start thinking about consolidating its presence in Nepal. He felt that it would be reasonably easy to support the Nepalese power structure against India if and when the need arose, given Nepal’s insecurity and apprehensions.

Nepal’s relationship with China is needs-based and practical. It lacks the warmth and depth of Indo-Nepalese relations, however imperfect. It is clear from the past that both China and Nepal are inclined to distance themselves whenever circumstances change and the power situation demands it. On the other hand, India and Nepal share a deep and enduring relationship cemented by a common history and culture.

(This is Part 1 of the article. The author, a veteran soldier, is a second generation officer of the 11th Gorkha Rifles and served in the Indian Army for almost 40 years. He was the former Chief Executive of Assam Rifles and was later appointed Chairman of the Ceasefire Monitoring Group located in Kohima where he was tasked with bringing the various insurgent groups to agree to an ongoing ceasefire with the government Indian. The views expressed are personal and do not reflect the official position or policy of Financial Express Online.)

We lived out our “Roman Holiday” fantasies as we cruised around S’pore on Vespa scooters – Mothership.SG


Imagine this: you are a beautiful princess from an unnamed European nation on a state visit to Rome.

Frustrated by your busy life, you secretly leave your country’s embassy and spend the night in the apartment of a handsome American journalist.

The next day, he offers to show you around Rome but you decline, opting instead to explore an outdoor market and get a haircut.

By coincidence, you meet this handsome journalist again, this time on the Spanish steps, where he convinces you to spend the day with him.

“Live dangerously. Take all day.

You and he recklessly drive through traffic on a Vespa scooter and then explore the city, ending the day with a kiss and a tearful goodbye as you resume your princess duties.

roman holidays

If the above sounds vaguely familiar, that’s because it’s a brief synopsis of the 1953 American romantic comedy “Roman Holiday.”

Those of a certain vintage may remember this critically acclaimed film which stars the ever-royal Audrey Hepburn as the rogue-turned-princess Ann, and the dashing Gregory Peck as expat journalist Joe. Bradley.

Although it’s not a movie of my age or era (I’m a 90s baby), I know a good movie when I see one, not to mention this Hollywood classic that – without risk of being wrong – transcends generations.

So when my colleague Winnie offered me the chance to live out my “Roman Holiday” fantasies by taking a Vespa ride around Singapore on a weekday afternoon, I jumped at the chance.

Explore Singapore in a vintage Vespa sidecar

Explore Singapore in a Vintage Vespa Sidecar is a historic social entrepreneurship tour of Singapore Sidecars.

As the name suggests, the tour takes guests to heritage areas such as Kampong Glam, Little India and Chinatown, as well as other sites such as the iconic Marina Bay Sands Hotel and the Civic District in a sidecar Vintage Vespa.

According to co-founder Simon Wong, the sidecar fleet had been engaged in fundraising since 2012, just a few years after Wong lost his wife to cancer.

In 2018, it became a social enterprise after raising funds for the reconstruction of earthquake-stricken Nepal.

As word spread and the tours began to grow in popularity, they eventually caught the attention of the Singapore Tourism Board, which backed them up with heavy marketing.

Today, Wong’s Vespa tours are so acclaimed that even Avengers: Infinity Wars director Joe Russo declared it “the best tour I’ve ever been on” when he came to Singapore in April 2018.

And for good reason, of course.

I mean, who would not Want to soak up the sights and sounds of heritage areas and admire Singapore’s elegant skyline, all while zipping around on an open-air Vespa sidecar?


We started our tour with a brief overview of the places we were going to visit, followed by some snaps with those red and silver vespa scooters at the entrance to the Capitol Theater.

Although we weren’t princesses or in Rome, Winnie and I played our game by dressing up in “Roman Holiday”-inspired outfits, complete with red lipstick, oversized sunglasses and pretentious scarves.

winnie and me

It was a shame we didn’t have our own “Joe Bradley” to travel with, but we enjoyed each other’s company nonetheless, as well as the “princess” treatment we received.

Our tour guides for the day, Wong and lead rider Yusri Sallim, were extremely accommodating throughout the “photoshoot”, guiding us on the best poses and angles we could adopt at various landmarks.

Wong and Yusri

(Thanks to them, I managed not to look too much like a wrapped dumpling in all the photos we took.)

For the record, here is a list of the places we visited (in order):

  • Victoria Theater and Concert Hall
  • Sultan Mosque
  • Haji Street
  • Esplanade Pier

That’s what we learned at every pit stop.

Victoria Theater and Concert Hall

Located along Empress Place, the Victoria Theater and Concert Hall is a performing arts center listed as a national monument on February 14, 1992.

Make sure you have a “heart” sign on the photo.

It is a complex of two buildings and a clock tower connected by a common corridor; the oldest part of the building was built in 1862 and the complex was completed in 1909.

The building was constructed during the Victorian Revival era which was popular in Britain at the time, and its design reflects this architectural style.

During World War II, the memorial hall was used as a hospital for victims of bombardment by Japanese forces.

When we arrived at this pit stop, I was impressed by how the theater and concert hall blended in with the other hypermodern buildings around it, as well as the rich history behind its walls.

Just as Ann and Joe visited the Roman Colosseum and savored its fascinating heritage and magnificent architecture, we also reveled in the beauty of this famous landmark.

Sultan Mosque

Then, we skirted the roads and landed in front of the Sultan’s mosque.

With its huge golden domes and massive prayer hall, the impressive Sultan Mosque is a must-see if you’re in the historic Kampong Gelam district.

We discovered that the mosque was built for Sultan Hussein Shah, the first Sultan of Singapore, in 1824.

After a hundred years, it was redesigned to become the current mosque by Denis Santry of Swan and Maclaren, Singapore’s oldest architectural firm, and rebuilt in 1932.

With the help of Wong and Yusri, we took some photos of the arch leading to the entrance of the mosque.

Haji Street

After taking the photo, we continued our visit by strolling down the trendy Haji Lane.

Probably one of the narrowest streets in Singapore, this lane is filled with 19th-century shophouses that now house cafes, bars, lifestyle boutiques and independent boutiques.

Thoroughly enjoyed the ride here, washed down with offbeat fun and plenty of Instagram worthy photo opportunities.

Esplanade Pier

Finally, we made a stop at the very end of the Esplanade Pier (between Makansutra Gluttons Bay and The Float @ Marina Bay), where we had stunning views of Marina Bay Sands, the ArtScience Museum and the central shopping district. business.

This was probably one of my favorite parts of the tour because of the amazing views we had of the city skyline, as well as how a harmonious shot of Wong helped us take in MBS, the museum ArtScience and the skyscrapers of the CBD.

If you want to see Singapore from a different perspective, or even just soak up the beauty of our cityscape as a local/tourist, this place certainly won’t disappoint.


After about an hour and a half, we finished our tour and returned to our starting point – Capitol Piazza.

Even before Wong had a chance to debrief us, I was completely convinced by the experience.

Unlike Singapore driving tours, this Vespa tour allowed us to explore less traveled outdoor trails, with the ease and convenience that walking tours may not be able to provide.

I also got to imagine what it must have been like for Ann and Joe to zip around town on a Vespa scooter with new eyes and a tourist perspective.

If you want to recreate your own “Roman Holiday” experience right here in Singapore, you’ll be pleased to know that this tour is one of the many activities organized by the travel experience platform Pelago.

For the uninformed, Pelago by Singapore Airlines curates a wide selection of travel experiences, both in Singapore and in over 40 global destinations.

Users can easily earn and redeem KrisFlyer miles with every booking on the platform.

From now until July 31, they get S$40 back for every S$100 spent on all site experiences using promo code GOTRAVEL40Terms and conditions of application.

Those planning to book their next vacation soon can also click here to find out more about Pelago.

This Pelago-sponsored article made this writer feel like a princess gone rogue for an afternoon.

Best Pictures via Paramount Pictures and Melanie Lim

Human rights situation in Nepal – Telegraph Nepal

n although state laws do not fully respect or protect human rights, every citizen of the state can automatically imbibe the spirit of human rights.

The concept of DH, which originated in civilized society, is guided by the principle of natural rights. The very concept of human rights as a fundamental right supersedes all state laws that ignore the importance of the human being. Human beings are naturally entitled to rights that can be enforced for the protection of the inherent capacities, traits and qualities essential to give meaning to human life. Human rights, the collective expression of the common and fundamental rights of all the peoples of the world, are considered indispensable, natural and inherent rights. Thus, HR is considered universal, indivisible and inalienable. There is a universal notion that these rights should not be violated by any group or organization of the state.

Human rights are respected and protected only in a democracy. Democracy and human rights are synonymous. In the absence of one or the other, both do not exist. Without democratic governance, human rights are inconceivable and without respect for human rights, democracy cannot thrive. A peaceful society cannot be established without proper resolutionthepector and the protection of human rights and democracy. The concept of HR did not suddenly evolve in modern human civilization. Along with the evolution of human civilization, it has also evolved gradually. First credit for HR development goes to Magna Carta – the British Civil Rights Bill. In 1215 AD, in the history of the world, there was a written agreement between King John of Great Britain and the people on the division of power. The agreement mentioned the rights of the people. The same agreement, called Magna Carta, is considered the first written document on human rights. The Magna Carta clearly stated that parliament had the power to legislate, that the king could not impose any taxes without the approval of parliament, and that there should be an independent judiciary and the supremacy of law.

After a long struggle between the king and the people of Britain, a document called the “Bill of Rights” was issued in 1689 to define and limit the rights of the king. This is considered the first social agreement between the king and the people. In 1776 AD, the United States of America also issued the “American Declaration of Independence incorporating the fundamental principles of the British ‘Bill of Rights’. Likewise, in accordance with the belief that every human being has the right to freedom and self-determination, the French Revolution was accomplished in 1779 and the basic concept of human rights was developed based on the declaration rights of man and of the citizen finally adopted. by the French National Assembly in 1789.

The League of Nations was officially established on January 10, 1920 to dispel fears that HR was under threat due to growing animosity and rivalry between nations despite significant international efforts towards HR development in the 18th century . It incorporated policies of non-discrimination, regardless of race, religion, language or gender. However, all past efforts towards the realization of human rights and peace were rendered futile as a result of the two world wars – World War I and World War II from 1914 to 1918 and from 1939 to 1945 respectively.

All human beings are responsible and must ensure equal participation in the peaceful development of human civilization.
Everyone has a responsibility to respect and honor everyone’s rights. Recognizing the need for a global organization to lead the global community in the adoption and advocacy

Soaring imports and trade deficit plunge Nepal into economic crisis


A surge in imports in recent months has drained foreign exchange reserves to dangerously low levels, threatening to precipitate economic disaster, with most indicators showing warning signs.

Experts have described Nepal’s current economic situation as the “Dutch disease”, as feverish consumption has been a boon for the commercial sector, but has spelled disaster for manufacturing and agriculture.

They say a huge amount of money is being invested in the unproductive sector resulting in a trade boom and a gaping trade deficit.

According to a research report entitled “Remittances, Banking Credit to Private Sector, and Nepal’s Trade Deficits” released Thursday by the Confederation of Banks and Financial Institutions of Nepal, 20% of loans issued by banks were used to finance trade, which which notably represents wholesale and retail services.

Loans to the agricultural sector stood at 7.8%. Approximately 15% of the credit issuance was devoted to production. The mobilization of credit in production is decreasing every year, which, according to experts, is worrying.

“Remittances are good, but they hurt the country’s competitiveness as all skilled and semi-skilled people go abroad,” the report said. “The money they send back to the country is also not used in the productive sector.”

An example of rampant imports is provided by the ever-increasing shipments of edible oils entering the country. Imports of edible oils (soya, palm and sunflower) soared to Rs 113.87 billion in the first 11 months of the current financial year ending mid-July.

Imports of edible oils for the whole financial year 2018-2019 were valued at Rs 37.12 billion.

Experts say importing and re-exporting edible oil under the zero-duty privilege gives Nepali traders a profit of nearly 45%, a benefit Nepal receives under the South Free Trade Area. Asian (SAFTA).

Countries outside South Asia face tariffs of 54% on palm oil and 45% on soybean oil.

According to the World Bank’s Nepal Development Update in December 2019, Nepal took advantage of this arbitrage opportunity and significantly increased exports of both commodities – palm oil and soybean oil.

The report recommended appropriate policies to ensure that remittances are properly channeled to the economically productive sector or to improve exports by developing mandatory savings and investment provisions.

According to statistics from the Customs Department, Nepal’s total import bill soared to Rs 1.76 trillion in the first 11 months of the current fiscal year. The figure represents a staggering 27.5% year-over-year jump.

Income from remittances in the first 10 months of the current financial year amounted to 811.79 billion rupees, according to Nepal Rastra Bank.

The report says remittances, bank credit to the trade sector and the trade deficit increased from 1996 to 2019 before the Covid-19 pandemic briefly slowed things down. The growth trend, especially imports, has maintained its momentum in the current fiscal year, which experts say is a real emergency for the country’s struggling economy.

Remittances have risen sharply since 2001, increasing by 2% to 11% per year, with political instability playing a major role in driving young people to work abroad due to lack of jobs in the country.

There is a lag between remittances and job creation, indicating that most of the money is destined for consumption rather than production or job creation.

Ramesh Paudel, an associate professor at the Central Department of Economics, said when loans are mobilized in trade, it will support consumption, thereby promoting imports.

“It is important that banks and financial institutions focus on increasing their issuance of loans to the productive sector,” he said.

Paudel said Nepal had seen growth in the service sector, but without the manufacturing base being strong enough, it did not last long. Experts say that for there to be a sustainable economy, the manufacturing sector must be strong so that the service sector can absorb the goods it produces.

The credit issue should prioritize agriculture, hospitality, import of goods such as machinery and production equipment, health care and small and medium industries, according to the report.

“Bank credit to the private sector, especially for trade, is strongly associated with the 85% trade deficit, resulting in the majority of credit being absorbed by the unproductive sector,” the report said.

“If most of the credit goes to the unproductive sector, this situation weakens the economy,” the report said.

“Lenders and policymakers normally focus on achieving the objective of economic growth by financing the productive sector; but in the case of Nepal, it does not appear to have been done that way,” the report said.

“The central bank, banks and financial institutions and policy makers are also responsible for the faulty policy,” the bankers said at Thursday’s event.

Pawan Kumar Golyan, president of the Confederation of Banks and Financial Institutions of Nepal, admitted that banks and financial institutions have neglected investments in the productive sector.

“We have to admit that the private sector is investing more in unproductive sectors like commerce. Bank investment in trade actually promotes the trade deficit. Although trade contributes to income, it is not a sustainable activity to create jobs and contribute to long-term economic growth,” said Golyan, who also chairs NMB Bank and Golyan Group.

He stressed the need for a double-digit interest policy with a single-digit interest rate for the productive sector and a double-digit interest rate for business enterprises.

The Confederation of Banks and Financial Institutions of Nepal suggested that the government could offer attractive offers to save a certain percentage of remittances or offer a special interest rate on remittance deposits.

The report recommended launching attractive savings schemes for non-resident Nepalese and encouraging them to invest in the stock market.

Welcome to IANS Live – NATION


Photo credit: IANS


New Delhi, July 7: The Election Commission of Nepal (EC) wants the government to hold federal and provincial elections in a single phase on November 18 this year, commission authorities have said.

During a meeting with Prime Minister Sher Bahadur Deuba at Baluwatar, the prime minister’s official residence, Chief Election Commissioner Dinesh Chandra Thapaliya and election commissioners recommended the date, a Shaligram commission spokesman said. Sharma Poudel.

Even though Nepal held federal and provincial elections on two different dates – 26th November and 7th December in 2017, this time the Election Commission expressed its intention to hold these elections in one day for two reasons.

“We suggested to the government to hold federal and provincial elections in a single day across the country. The first is that it would be profitable and the second is that it would be comfortable for the commission for the logistical arrangements,” Poudel told Indian Narrative on Wednesday Night.

According to the commission’s spokesperson, Prime Minister Deuba told the election commissioners that the cabinet would make the appropriate decisions regarding the holding of the elections in the coming weeks.

“The Prime Minister has said that these two crucial elections will take place on approximately the same date as the one proposed by the commission,” he said, adding that the electoral body is ready to hold elections on the date which will be decided by the government.

Earlier on May 13 this year, the country’s electoral body held elections to choose a new group of people’s representatives for 753 local levels in a single phase. “The recent local elections also inspired us to hold federal and provincial elections in a single day,” he added.

Beginning with the next federal election, 165 members will be elected to the House of Representatives, the lower house of federal parliament, under the first-past-the-post electoral system and 110 will be elected under the proportional representation system.

Similarly, for seven provincial assemblies, 330 members will be elected by direct ballot and 220 will be elected by proportional ballot.

A few months before the provincial and federal elections are held, the political parties have begun their electoral campaigns across the country.

According to the constitution, Nepal holds local, provincial and federal elections every five years. It will be the second time the Himalayan nation has held federal and provincial elections after adopting its first democratic republic constitution in September 2015. The country’s national charter, also the first full-fledged post-war constitution, had federated the country into seven provinces. and 753 local units.

Although Nepal is a Hindu-majority nation, the constitution declared it a secular, democratic republic after years of political instability. Before entering a republican system in 2007, Nepal witnessed the overthrow of 240 years of Shah monarchy and 10 years of armed conflict which began in 1996.

(Content is released under agreement with indianarrative.com)

–Indian story

Updated: 07-July-2022

Melting glaciers threaten northern Pakistan

Hassanabad (Pakistan) (AFP) – As dawn broke over the Pakistani mountain village of Javed Rahi, a loud boom broke the silence and a torrent of water cascaded from the nearby molten glacier, followed by a thick cloud of smoke.

Rahi, a retired math teacher, was due to attend his nephew’s wedding the day the flood hit the village of Hassanabad.

“I expected the women and children to sing and dance… Instead, I heard them screaming in terror,” the 67-year-old said.

“It was like the end of the world.”

The flood – which came as a heatwave gripped South Asia in May – swept away nine houses in the village and damaged half a dozen others.

The water also washed away two small hydroelectric plants and a bridge that connected the remote community to the outside world.

Pakistan is home to more than 7,000 glaciers, more than anywhere else on Earth outside of the poles.

Construction workers build a temporary bridge in Hassanabad after the village’s main bridge was destroyed in the flood Abdul MAJEED AFP

Rising global temperatures linked to climate change are causing glaciers to melt rapidly, creating thousands of glacial lakes.

The government has warned that 33 of these lakes – all located in the dramatic Himalayan, Hindu Kush and Karakoram mountain ranges that intersect in Pakistan – are at risk of bursting and releasing millions of cubic meters of water. water and debris in just a few hours. , as in Hassanabad.

At least 16 floods of glacial lakes linked to heat waves have already occurred this year, compared to an average of five or six a year, the Pakistani government said earlier this week.

The devastation caused by such floods makes the recovery of affected communities a daunting task.

After the disaster that struck Hassanabad, Rahi and other villagers who lost their homes had to move to a nearby camp for displaced people.

Inside their makeshift tents are the few belongings they managed to salvage and mattresses to sleep on.

At least 16 glacial lake floods linked to heat waves have already occurred this year, compared to an average of five or six per year
At least 16 glacial lake floods linked to heat waves have already occurred this year, compared to an average of five or six per year Abdul MAJEED AFP

“We never thought we would fall from ragged wealth,” Rahi said.

No resources to move

Pakistan is the eighth most vulnerable country in the world to extreme weather caused by climate change, according to the Global Climate Risk Index compiled by environmental NGO Germanwatch.

The country is experiencing earlier, hotter and more frequent heat waves, with temperatures already reaching 50 degrees Celsius (122 Fahrenheit) this year.

Floods and droughts in recent years have killed and displaced thousands of people, destroyed livelihoods and damaged infrastructure.

According to the United Nations Development Programme, the lack of information on glacial changes in Pakistan makes it difficult to predict the dangers that come with it.

Two small hydroelectric plants were washed away by the flood that hit Hassanabad
Two small hydroelectric plants were washed away by the flood that hit Hassanabad Abdul MAJEED AFP

Although Hassanabad had an early warning system in place – including cameras that monitor water flow in glacial lakes – villagers believed they lived high enough above the water to avoid any impact , according to local officials.

Zahida Sher, who lost her home in the Hassanabad flood, said the power of the water destroyed buildings that were previously considered safe.

“Our economy is agrarian and people don’t have enough resources to leave here,” said Sher, a researcher for a local development NGO.

Siddique Ullah Baig, disaster risk reduction analyst for the northern region, said around seven million people are vulnerable to such events, but many are unaware of the seriousness of the threat.

“People are still building houses in areas that have been declared a red zone for flooding. Our people are unaware and unprepared for a possible disaster,” he told AFP .

Retired math teacher Javed Rahi from Hassanabad says the flood was
Retired math teacher Javed Rahi from Hassanabad says the flood was ‘like the apocalypse’ Abdul MAJEED AFP

“Evening of Horror”

Further north of Hassanabad is Passu, another precarious hamlet that has already lost around 70% of its population and area after being affected by flooding and natural river erosion.

The village is sandwiched between the White Glacier to the south, the Batura Glacier to the north, and the Hunza River to the east – three forces that are given the respectful title of “dragons” due to their destructive power.

“The village of Passu lies in the mouth of these three dragons,” local scholar Ali Qurban Mughani said, pointing to the age-old bodies of dense ice that tower over the village.

As he spoke, workmen worked on a concrete protection wall on a riverbank – an attempt to protect the village from further erosion.

Even the most ambitious international climate goals of limiting global warming to 1.5 degrees by the end of the century could cause a third of Pakistan's glaciers to melt.
Even the most ambitious international climate goals of limiting global warming to 1.5 degrees by the end of the century could cause a third of Pakistan’s glaciers to melt. Abdul MAJEED AFP

Kamran Iqbal has invested 500,000 rupees (about $2,400) which he borrowed from a local NGO to open a picnic spot for visitors with a breathtaking view.

The beauty of the glaciers has made the region one of the main tourist destinations in the country.

Business was booming until a “night of horror” last year when a flash flood washed away Iqbal’s investment.

Even the most ambitious international climate goals of limiting global warming to 1.5 degrees by the end of the century could lead to the melting of a third of Pakistan’s glaciers, says the Nepal-based science organization the International Center for Integrated Mountain Development, in a 2019 study.

“In 2040 we may start to face problems of (water) scarcity which could lead to drought and desertification – and before that we may have to deal with frequent and intense river flooding, and of course flash flooding,” said Aisha Khan, head of the Mountains and Glaciers Protection Organization, which studies glaciers in Pakistan.

“We are at the forefront”

Home to more than 220 million people, Pakistan claims to be responsible for less than one percent of global greenhouse gas emissions.

Yet it remains highly vulnerable to the impacts of climate change, depending on climate-sensitive sectors such as agriculture and natural resources.

“There are no factories or industries here that can cause pollution… We have a clean environment,” said Amanullah Khan, a 60-year-old village elder from Passu.

Pakistan is highly vulnerable to the impacts of climate change
Pakistan is highly vulnerable to the impacts of climate change Abdul MAJEED AFP

“But when it comes to the threats posed by climate change, we are at the forefront.”

Asif Sakhi, a political activist from Passu, said mountain communities were increasingly fearful of the perils posed by glaciers.

“This area belongs to the glaciers, we occupied it,” the 32-year-old said.

5 Best Payday Loans No Credit Check – Guaranteed and Instant Decision in 2022

No credit check payday loans can be a lifesaver for anyone who cannot cover the cost of something important. Whether you need to pay bills or want to go on vacation, payday loans without a credit check are what you need. Do you know if there are no credit check payday loans in your area? Here’s what we found while researching the top picks!

Best Payday Loans No Credit Check – Quick Overview

  • Viva Payday Loans – best payday loans overall no credit check
  • Green dollar loans – ideal for online payday loans with no credit history
  • Big Buck Loans – ideal for loans without a credit check
  • Credit Clock – ideal for quick loans and same day decision
  • Money Lender Squad – ideal for loans without a credit check with a guaranteed decision

General Eligibility Requirements for Payday Loans

If you answered yes to each of the statements below, you can apply for a payday loan online today.

  • You must be 18 years or older
  • Be a US citizen or have permanent residency
  • Have a minimum income of $80
  • Have your own bank account
  • Have a valid ID

Payday loans without a credit check

1. Viva Payday Loans – Best Payday Loans No Credit Check

Projector wire

The number one choice for the best online payday loans with no credit check broker is Viva Payday Loans. Viva Payday Loans is a well-designed and easy-to-use website where you can apply not only for small payday loans online without credit check, but also for personal loans.


  • Repayment period of 2 to 24 months
  • Fast approval times
  • Cash payments within the hour

The inconvenients:

  • You could be charged up to 35.99% interest (rates start at 5.99%)

2. Green Dollar Loans – Best for Online Payday Loans with No Credit History Required

Green Dollar Loans 640X480Projector wire

Even if your credit rating is bad, Green Dollar Loans will have a payday loan for you. Your income to expense ratio is the main thing that will be considered in your application, so be honest with all of your information. As long as you earn at least $1,000 per month, you can apply for a payday loan between $100 and $5,000 with an interest rate no higher than 35.99%.


  • Easy to repay loan terms
  • Borrow any amount up to $5,000
  • Connects you to multiple lenders

The inconvenients:

  • Not available in all states

3. Big Buck Loans – Best for No Credit Check Loans

Loan Big Bucks 640X480Projector wire

If anyone can help you, it’s Big Bucks Loans. No hassle, no fuss, you can apply for a no credit check payday loan up to $5,000 on Big Buck Loans. You will need an income of $1,000 or more and be at least 18 years old to apply. You will receive an interest rate of 5.99% to 35.99% and a repayment period of up to 24 months.


  • No application fees
  • The application only needs to be completed once
  • Quick to apply

The inconvenients:

  • Interest increases as you need time to pay off the loan

4. Credit clock – ideal for quick loans and same day decision

Custom credit clock (1)Projector wire

Credit Clock connects borrowers to some of the most reputable lenders in the United States. This site will connect you with lenders who can provide you with no credit check loans between $100 and $5,000. Interest rates vary from lender to lender; however, Credit Clock will not match you with a lender who charges you more than 35.99% interest.


The inconvenients:

  • Approval is not guaranteed

5. Money Lender Squad – best for no credit check loans and guaranteed decision

Custom Money Lender (1)Projector wire

Money Lender Squad is a reputable loan finder website that takes all inquiries seriously. It’s one of the easiest websites to use and lets you choose between payday loans no credit check from $100 to $5,000 and how long you want to pay it back (maximum of 24 months). Plus, you can expect to receive an interest rate of up to 35.99%.


  • Simple and straightforward application
  • Loans up to $5,000
  • Access to many reputable lenders with one app

The inconvenients:

  • Interest rates vary by lender

What are no credit check payday loans and how do they work?

Online same day payday loans without a credit check are small loans ranging from $100 to $5,000. Generally, the application process is very simple and easy to understand. Plus, it can be done online, so there’s no need to wait in long lines or be stuck on hold trying to speak to a representative.

How were the best no credit check payday loan providers chosen?

The following factors were taken into consideration:

• What interest rates will you be charged?

The most important thing we consider is the amount of interest that will be added to your loan. We want you to get the best deal possible after all!

• How easy is the application process?

The application process should be simple and quick. No one wants to spend years filling out forms only to find they’ve been declined.

• How soon will you receive your money?

A quick payment term is crucial when you are in urgent need of funds. So how quickly companies pay you is a critical factor.

• What factors do they use to consider granting you credit?

This guide will not lead you to a provider who will only consider your credit history to decide whether or not you are worthy of a loan. We all make mistakes, after all you should have the opportunity to rebuild your credit.


If you are looking for a well-monitored and regulated place to acquire a payday loan, look no further than the five options that have been listed above. Viva Payday Loans is a great all-around provider that can not only get you the financial help you need, but it can do it in an easy and affordable way.


1. Can you get a payday loan without a credit check?

When you apply for a loan, you will be required to consent to a credit check. But that doesn’t mean the lender will only consider your credit history when deciding whether or not to give you a loan. They will consider other factors such as how much you can afford to pay, your monthly expenses, how much you have left each month after paying your bills, etc.

2. How much do payday loans cost?

There is no definite payday loan cost as the cost depends on many factors. These factors include: how much you borrow, who you borrowed from, and how long you will pay it back.

3. Is a payday loan good for my credit?

Payday loans without a credit check are a great way for people with bad credit to rebuild their credit rating. If you pay your installments on time and in full, you will receive positive points on your credit score. However, if you fail to make installments or pay one late, it can hurt your credit.

Disclaimer – The above content is non-editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not warrant, warrant or necessarily endorse any contents. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

PTC India: Press Release July 6, 2022



New Delhi, 6e July 2022: PTC India Limited. India’s leading power exchange solutions provider today announced its standalone financial results for the quarter ended March 31, 2022 and for the fiscal year 2021-22.

Financial performance

Summary of financial and operating performance for the fourth quarter – 22 and 2021-22

PTC traded record volumes of 87,515 million units for fiscal 2021-22 (a 9% increase over the corresponding year), which is a new milestone for the company.

Profit After Tax (PAT) at INR 424.81 crore for FY2021-22 and at INR 155.89 crore for Q4 FY22 (Jan-Mar) on a stand-alone basis.

Earnings per share (EPS) at INR 14.35 per share for FY 2021-22 on a stand-alone basis

Total operating revenue at INR 15,631.39 crore for FY 2021-22 and at INR 2,831.12 crore for Q4 (Jan-March) on an individual basis.

Q4-FY22 vs. Q4-FY21 (standalone)

  • Volume increased by 6% to 17,329 UM against 16,279 UM.
  • Total operating margin was INR 267.57 crore, an increase of 38% over the corresponding quarter of FY21.
  • Consulting income for the fourth quarter, FY22 increased by 24% to INR 11.25 crore from INR 9.05 crore in the corresponding quarter of FY21.

Management Comments:

Commenting on the findings, Dr. Rajib K Mishra, CMD In-charge & Director (M&BD), PTC India Ltd., said

“The company surpassed the all-time highest traded volume benchmark set last year. PTC traded over 87 billion units for fiscal 2021-22. While the seasonality of a particular quarter is a function of the dynamics of supply and demand, resulting in a 6% growth in volumes for the 4th quarter.

Electricity demand continues to rise as economic activities have fully resumed following the disruption caused by covid. Growth was mainly driven by short-term trading and exchange-traded segments. As always, PTC continues to operate in all market segments. The availability of coal, sustainable energy from renewable sources and weather-dependent electricity demand patterns are new industry challenges that also present opportunities for tailored solutions., The company is developing its solutions technology and its service offering for the evolving market.


Our consulting business continues to grow with a 24% increase in consulting revenue and orders won in newer and more complex segments. PTC’s business development team has also taken the lead in emerging Battery Energy Storage System (BESS) and green hydrogen business opportunities.

PTC is committed to continuously investing in its people and processes to develop its capabilities and create solutions for a changing market. We are confident that all of our initiatives will drive our growth in the future. ”

About PTC India Limited

PTC India Ltd., an Indian government initiative, is the pioneer in starting an electricity market in India. The Company has maintained its leading position in electricity trading since its inception. PTC has also been commissioned by the Indian government to trade electricity with Bhutan, Nepal and Bangladesh.

Trading activities undertaken by PTC include long-term trading of electricity produced from large energy projects, including renewables, as well as short-term trading resulting from supply and demand mismatches, which inevitably occur in various parts of the country.

The Company is credited with a number of products in the electricity trading market to meet the divergent needs of customers. Driven by the vision of shaping a dynamic electricity market, PTC provides value-added services to its customers and builds trust as a reliable partner. Electricity traded from cross-border resources is a significant component of the total electricity traded by the Company.

PTC is a unique example of a successful public-private partnership with the major UAPs of the Ministry of Energy, Government of India as promoters and a widely held stake. The diverse composition of its Board of Directors includes prominent figures as independent directors.

For more information, contact:

Nihar Mehta

Sushant Chaturvedi

S-Ancial Technologies Pvt. ltd

PTC India Ltd

(Investor Relations)

Head – IR and Public Outreach

[email protected]

[email protected]


CAN vs NEP Dream11 Prediction, Fantasy Cricket Tips, Dream11 Team, Playing XI, Pitch Report, Injury Update – Nepal Tour of Canada, 1st ODI


CAN vs NEP Dream11 Prediction, Fantasy Cricket Tips, Dream11 Team, Playing XI, Pitch Report, Injury Update of the match between Canada and Nepal. They will play against each other for the first time in the two-game ODI series between them.

Match Details CAN vs NEP Nepal Tour of Canada 1st ODI:

1st The ODI match between Canada and Nepal will be played on the 5the July at the CAA Centre, Brampton.

For all Dream11 tips and live Fantasy Cricket updates follow us on Telegram channel from Cricketaddictor.

This game is scheduled to start at 8:30 PM IST and the live score and commentary can be seen on the FanCode website and CricketAddictor.

CAN vs NEP Match Preview Nepal Tour of Canada 1st ODI:

Nepal are on tour in Canada for a two-game ODI series starting on 4e of July. All matches in this series will be played at the CAA Centre, Brampton, Ontario, Canada.

Navneet Dhaliwal will lead the Canadian team while the Nepalese team will be led by skipper Sandeep Lamichhane.

Canada have only managed to win one match in their last five ODI matches while Nepal have won two of their last five ODI matches.

These two teams have played three games against each other in this format so far where Nepal have won two games while Canada have only managed to win one game.

CAN vs NEP Match Weather Report Nepal Tour of Canada 1st ODI:

The temperature should hover around 24°C on match day with 70% humidity and a wind speed of 18 km/h. There is no chance of rushing during the match.

CAN vs NEP Match Pitch Report Nepal Tour of Canada 1st ODI:

The CAA Center track provides a neutral wicket where both departments should receive decent help from the box. Spinners can get deadly in the middle while pacers will be in the game all the way.

Average 1st innings score:

The average score of the first innings on this wicket is 225 points.

Hunting team record:

The team that beats second doesn’t have good records here. They have a winning percentage of 40 at this track.

CAN vs NEP Match Injury Update Nepal Tour of Canada 1st ODI:

(Will be added when there is an update)

CAN vs NEP Probable Match XIs Nepal Tour of Canada 1st ODI:

Canada: Rayyan Pathan, Matthew Spoors, Navneet Dhaliwal ©, Ravinderpal Singh, Junaid Siddiqui, Hamza Tariq (wk), Saad bin Zafar, Harsh Thaker, Jatinderpal Matharu, Dillon Heyliger, Kaleem Sana

Nepal: Kushal Bhurtel, Aasif Sheikh (wk), Kushal Malla, Dipendra Singh, Lokesh Bam, Gynanendra Malla, Aarif Sheikh, Sandeep Lamichhane ©, Avinash Bohara, Jitendra Mukhiya, Gulsan Jha

Top Picks for Dream11 Prediction and Fantasy Cricket Tips:

Rizwan Cheema is a right-handed batsman and middle right-arm pacer from Canada.

Shahid Ahmadzai is a right-handed batsman and right-arm medium-fast bowler from Canada.

Dipendra Singh-Airee is a right handed batsman and middle right arm pacer from Nepal.

Sandeep Lamichane is a Nepalese right-handed batsman and right-arm bowler.

Sompal Kami is a right-handed batsman and right-arm medium-fast bowler from Nepal.

Match CAN vs NEP Choice of captain and vice-captain Nepal Tour of Canada 1st ODI:

Captain – Dipendra Singh-Airee, KC Karan

Vice captain – Sandeep Lamichhane, Rizwan Cheema

Suggestion to play #1 XI for CAN vs NEP Dream11 team:

Guardian – Asif-Sheikh

Drummers – Navneet Dhaliwal, Kushal Bhurtel, Ravinderpal Singh

Versatile – Rizwan Cheema, Dipendra Singh-Airee (C), Shahid Ahmadzai

Bowlers – Jeremy Gordon, Sompal Kami, KC Karan, Sandeep Lamichhane (VC)

CAN vs NEP Dream11 Prediction Fantasy Cricket Tips Dream11 Team Nepal Tour of Canada
Prediction CAN vs NEP Dream11

Suggestion to play #2 XI for CAN vs NEP Dream11 team:

Guardian – Binod Bhandari

Drummers – Navneet Dhaliwal, Kushal Bhurtel, Rohit Kumar Paudel, Ravinderpal Singh

Versatile – Junaid Siddiqui, Rizwan Cheema (VC), Dipendra Singh-Airee, Shahid Ahmadzai

Bowlers – Sompal Kami, KC Karan (C), Sandeep Lamichane

CAN vs NEP Dream11 Prediction Fantasy Cricket Tips Dream11 Team Nepal Tour of Canada
Prediction CAN vs NEP Dream11

CAN vs NEP Match Expert Advice Nepal Tour of Canada 1st ODI:

Dipendra Singh-Airee will be a safe little league captain’s choice. Binod Bhandari and Junaid Siddiqui are among the clearing picks here. The best suggested fantasy/Dream11 combination for this game is 1-3-3-4.

CAN vs NEP Match Likely winners Nepal Tour of Canada 1st ODI:

Nepal is expected to win this match.

Vegan products have a market in Nepal. He is now asking for space

Krishna Gurung became a vegan in 1998 when veganism was an anomaly in Nepal. It was harder for her to get vegan products, including clothes and shoes, than vegan food.

But that’s been changing lately. “We now see a lot of vegan products. From physical stores to online stores, these products are also getting separate sections these days,” says Gurung, “but still not enough.

Veganism in Nepal has only been brought up in debates and promotion for the past decade. But veganism and vegan products are still surrounded by many more misconceptions. This means that vegans have to be skeptical and compromise on the products they consume.

But, these people say they are determined to change the situation.

Vegan products in Nepal

Vegan products can be seen in the market, but vegans are not satisfied with the number.

Samu Yonjan shares: “If we only talk about shoes, it is very difficult to find a pair that is not made of leather. Sellers do not and cannot identify which is pure leather and which is synthetic. So we have to dig around and find shoes that work for us. But, this is not always favorable. We choose plastic shoes and wear them for a long time.

Vegan food products. Photo courtesy: Shova Bhujel

“The same goes for makeup and raw materials for food products,” says Yonjan, owner of Loving Heart Restaurant, one of the few vegan restaurants in Kathmandu.

Pasang Sherpa, the owner of Shoe bar and accessories, is one of the few suppliers that cares about serving the vegan community. It provides certified vegan leather shoes and they have gained traction in Nepal, becoming popular not only in the vegan community but also in others. “Many female doctors who are looking for feasibility, comfort and durability have chosen the vibrant animal print sandals. Other consumers include expats who have been more into the designs and their unique appeal.

Sherpa sees that there is a market for vegan products among animal lovers, including vegans and Jains. “Impressed by the design and quality, I became a regional dealer for Calceo from GOBY during lockdown and started selling the products through my Facebook page.

Yonjan says that if such shoes are available, she prefers to collect money and buy them instead of opting for unidentified “synthetic” leather shoes.

Naturally, vegan products are intended for use by vegans. But, points out Gurung, “Although they don’t advertise that they are vegan, many people use plant-based and cruelty-free products. Many others want to, but they are unaware of the options. Many are waiting for things to become more mainstream and accessible before making this change in their lifestyle.

This means that there is a market for vegan products in Nepal.

“Recently, in a temple, I saw a man take off his belt and his accessories outside because we do not usually enter temples with leather products, so we leave them outside, even if we risk the loss or theft. But, his alternative could be vegan leather, right?”

vegan leather shoes nepalism
Vegan leather shoes by Shoes Bar & Accessories. Courtesy of Pasang Sherpa

However, Sherpa has yet to fully capitalize on markets in Nepal while Gurung says no one has identified the market yet. “Market research is needed to determine how many people are adopting a vegan lifestyle and how many more are willing to make the switch.”

Commercialization of veganism in Nepal

Veganism in Nepal has gained ground with issues such as protests against the Gadhimai festival and scattered cases of animal cruelty. It is also stimulated when social leaders and celebrities such as Angfuri Sherpa, Krishna Pranami and Ashmi Shrestha talk about veganism. But this approach of promoting veganism through influencers has not been explored in Nepal.

According to Gurung, who is also a businessman, “Business-wise, in Nepal, there won’t be big profits like that. But, it’s the right choice for a lasting effort for the community. Yet there are many ways to communicate choices to people. »

“We can first start by letting people know that vegan products are available and that people have cruelty-free options. Another is to make them aware of the carbon footprint they leave behind by importing live animals or animal products. In this, reaching out to the younger generation is easier than the older ones because they are so aware of these issues now and many are already adopting such a lifestyle.

The approach to veganism in Nepal is always to make people understand that the use of their rights should never diminish the rights of others even if they are animals or cruelty to animals should not be encouraged for the food or products and vice versa. Sherpa adds: “There are options like shoes that are made cruelty free, without guilt and azo-free.”

Fighting misconceptions

national animal rights day veganism in nepal
People protest on National Animal Rights Day, in Maitighar on June 5, 2017. Photo courtesy of Shova Bhujel

Veganism in Nepal is still shrouded in misconceptions, says vegan activist Shova Bhujel. “The first is that vegetarianism is a choice while veganism is considered a ‘sect’. And every time we try to talk about veganism, they take it as a personal attack and it turns into a debate, between two communities.

Despite the backlash, the community continues its work and that’s because, they say, compassion goes a long way. “Environmental connection with veganism can be effective, but when people feel inconvenienced, they are more likely to return to their old way of life. However, we have found that when people make a compassionate connection with animals, it lasts longer with better impacts on life and environment.

Therefore, the market for vegan products is not necessarily for vegans in the community, but for all animal lovers and those who promote cruelty-free practices, says Bhujel.

The foreseeable future

The concept of veganism is still vague in Nepal. But, activists pledged to continue their efforts to talk about the idea.

To increase awareness, the World Vegan Association is soon organizing the International Vegan Festival in Lumbini, Kathmandu and Pokhara with sessions on veganism, cruelty to animals and human health as well as vegan products for the vegan and non-vegan community. It is assumed that 10,000 participants ranging from national delegates to international delegates will attend the festival and this will help them inform the people of Nepal.

“After the Vegetarian Fest 2017, the market for vegetarians and vegans took a boost. Now we also hope the same in Nepal with the festival. It could be a good hookup platform for those who want to get an alternative option suitable for their lifestyle and learn more about vegan products,” Gurung hopes.

Meanwhile, Sherpa intends to continue its efforts to establish brands in Nepal that will have USPs. She says she is already in the process. But, for its vegan leather shoes, it will now focus on customization and meeting people’s specific needs.

Instant Payday Loans Online Guaranteed Approval – MarTech Series

Instant <a class="wpil_keyword_link " href="/best-same-day-loans-online-2021-top-direct-lenders-of-guaranteed-payday-loans-emergency-loans-with-guaranteed-approval-no-credit-check/" title="Payday Loans Online" data-wpil-keyword-link="linked">Payday Loans Online</a> Guaranteed Approval – MarTech Series

The online payday loan market is booming around the world

According to research experts from Qurate Research, “Global Online payday loans Market 2022 Insights, Size, Sharing, Growth, Opportunities, Emerging Trends, Forecast to 2028.” The study is an anthology of in-depth studies on many aspects of the global online payday loans industry. It is an admirable effort to offer a true and transparent picture of the current and future conditions of the global online payday loans market, based on credible facts and exceptionally accurate data.

“Global Online Payday Loans Market Overviews, Size, Share, Growth, Opportunities, Emerging Trends, Forecast to 2028,” according to a report by Qurate Research. Several in-depth research studies on various facets of the global online payday loans market are included in the report. It is a commendable effort to present a true and transparent view of the current and future situation of the global online payday loans market, based on reliable facts and extraordinarily accurate statistics.

The main players profiled in this report are:

Payday advance
MEM Consumer Financing
Instant Cash Loans
Cash America International
DFC Global Corp
Network 2345

Key Segmentation of the Online Payday Loans Market:

On the basis of types, the online payday loans market from 2015 to 2025 is majorly split into:

single phase

Based on applications, the Online Personal Loan market from 2015 to 2025 covers:

Big business

Scope of Online Payday Loans Market Report:
The research examines the major players of the global Online Payday Loans Market in detail, focusing on their market share, gross margin, net profit, sales, product portfolio, new applications, recent developments and other factors. It also sheds light on the vendor landscape, helping players to forecast future competitive moves in the global Online Payday Loans industry.

This study estimates the market size in terms of value (million USD) and volume (million units) (K units). Both top-down and bottom-up techniques have been used to estimate and validate the market size of Online Payday Loans market, as well as the size of various other dependent submarkets in the overall market. To identify significant players in the market, secondary research was used, and both primary and secondary research were used to determine their market shares. All breakdowns and percentage breakdowns have been calculated using secondary sources and verified sources.

The updated market report is available at the link below:@ https://www.qurateresearch.com/report/buy/BnF/2020-2025-global-online-payday-loans-market/QBI-MR-BnF-1027954/

The COVID-19 pandemic has had a major influence on the online payday loan industry. In the second quarter, the sector showed signs of recovery around the world, but the long-term recovery remains a concern as COVID-19 cases continue to rise, especially in Asian countries like India. series of setbacks and surprises. As a result of the outbreak, many shifts in buyer behavior and thinking have occurred. As a result, the industry is even more stressed. As a result, market expansion should be limited.

Online Payday Loans Market Region Majorly Focusing:
— Europe Online Payday Loans Market (Austria, France, Finland, Switzerland, Italy, Germany, Netherlands, Poland, Russia, Spain, Sweden, Turkey, United Kingdom),
– Asia-Pacific and Australia Online Payday Loan Market (China, South Korea, Thailand, India, Vietnam, Malaysia, Indonesia and Japan),
— The online payday loan market in the Middle East and Africa (Saudi Arabia, South Africa, Egypt, Morocco and Nigeria),
– Online Payday Loans Market in Latin America/South America (Brazil and Argentina), – Online Payday Loans Market in North America (Canada, Mexico and United States)

A sample free report from Qurate Research includes: FREE PDF SAMPLE
1) Introduction, Overview and In-Depth Industry Analysis for 2021 Updated Report
2) Impact analysis of the COVID-19 outbreak
3) A research report of more than 205 pages
4) Upon request, provide chapter-by-chapter assistance.
5) Updated regional analysis for 2021 with graphical representation of size, share and trends
6) Includes an updated list of tables and figures.
7) The report has been updated to include business strategies, sales volume, and revenue analysis of key market players.
8) Methodology of facts and factors for research

The main questions answered by this report are:
• How do I get a free copy of the sample Online Payday Loans Market Report and Company Profiles?
• What are the main causes fueling the growth of the online payday loan market?
• What is the anticipated size and growth rate of the online payday loan market?
• Who are the major companies in the online payday loan market?
• What market segments does the online payday loan market cover?


Chapter 1 Introduction to Online Payday Loans Market
Chapter 2 Executive
2.1 Synopsis of 3600 Online Payday Loans Market, 2018-2028
2.1.1 Industry trends
2.1.2 Material trends
2.1.3 Product trends
2.1.4 Operating trends
2.1.5 Distribution channel trends
2.1.6 Regional trends

Chapter 3 Online Payday Loans Market Overview
3.1 Industry Segmentation
3.2 Industry Ecosystem Analysis
3.2.1 Component Suppliers
3.2.2 Producers
3.2.3 Profit Margin Analysis
3.2.4 Distribution Channel Analysis
3.2.5 Impact of COVID-19 on the market value chain
3.2.6 Vendor Analysis
3.3 Technology landscape
3.4 Regulatory landscape
3.4.1 North America
3.4.2 Europe
3.4.3 Asia-Pacific
3.4.4 Latin America
3.4.5 Middle East and Africa
3.5 Price Analysis (including impact of COVID-19)
3.5.1 By region North America Europe Asia-Pacific Latin America Middle East and Africa
3.5.2 Cost structure analysis
3.6 Industry impact forces
3.6.1 Drivers of growth
3.6.2 Industry Disadvantages and Challenges Focus on weight reduction
3.7 Innovation & sustainability
3.8 Growth Potential Analysis, 2020
3.9 Competitive landscape, 2020
3.9.1 Company Market Share
3.9.2 Main players
3.9.3 Strategy Dashboard
3.10 Porter’s analysis
3.11 PILON analysis

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Street vending needs regulation, not ad hoc crackdowns, experts say

Last week’s crackdown by the Kathmandu Metropolitan City against a couple selling grilled corn on the sidewalk has once again put the civic police in the spotlight and raised questions about street vending and its regulation.

Friday, in a widely circulated video clip on Twitter, we see the municipal police brawling with the couple, snatching a cart full of corn from them. Despite the couple’s resistance, the police loaded the cart onto a municipal truck and drove off. The incident took place in Baluwatar in the capital.

The couple – Chetendra Acharya and his wife Sita – said they had been selling grilled maize in Baluwatar for 15 years.

The police and city administration drew widespread criticism following the incident. Critics called the incident “idiotand “inhumane” on the part of the municipal administration.

However, this is not the first time that the municipal police have cracked down on street vendors.

City police chief Dhanapati Sapkota said Friday’s incident is not an isolated case and they are confiscating 20 such carts from roadsides daily.

“This is just one example,” Sapkota told the Post, claiming the couple engaged in “illegal activity.”

After receiving criticism for the incident, KMC police said Sunday they would take further action against the couple.

However, it is unclear whether such crackdowns by municipal police are legal.

Article 11 of Law 2074 (2017) on the functioning of local government empowers the municipal police for the implementation of the law and policies of the city. The law also allows municipal police to carry out “surveillance” and “management” of local markets and parking lots, and to protect public land and property. The law, however, does not mention the degree of force police can use when detaining street vendors and their wares.

Basanta Acharya, information officer at the city, said the 13th municipal assembly of the city administration decided to ban people from doing business on the sidewalks.

“I guess the city police tried to implement this and the Baluwatar incident happened,” Acharya said.

Following the incident, the couple alleged that some city staff asked them for bribes – a sum of Rs 5,000 – to enable them to run their business. Acharya said there will be an internal investigation into the allegations.

“But our attention has been drawn to the issue of child abuse,” said Acharya, who is also a former head of the city’s legal division. “We will also investigate whether there is any sort of corruption or financial transaction between the municipal police and the vendors after consulting with the mayor.”

Urban planners and experts say street vending is a “global phenomenon” and authorities should focus on regulating vendors rather than violently attacking and driving them out.

In Nepal, tens of thousands of workers in the informal economy face challenges and difficulties because the government does not regulate street vending. There is no safety net for many in the informal sector, especially in urban areas.

Nearly half of the business establishments operating in Nepal are unregistered and considered informal businesses, according to the Analytical Report on the Informal Sector released by the Central Bureau of Statistics last year.

Of the 923,027 business establishments in the country, 34,101 (3.7%) were street businesses. Of the 3.23 million people employed in the country, 45,330 people were engaged in such enterprises.

Street vending is a livelihood for tens of thousands of people across the country. The vendors not only lead a difficult life, but they face repeated crackdowns and restrictions from hostile city officials for encroaching on the sidewalk and obstructing pedestrians.

According to the Street Vendors Union, there are more than 10,000 street vendors in Kathmandu. The Covid-19 pandemic and subsequent lockdowns have severely affected their livelihoods. During the pandemic, vendors had shared that they had been harassed by the city office accusing them of spreading the virus, and they had been forced to close their businesses ahead of festival season.

City planners say the city should not harm people who work in the informal sector as they are major contributors to the city economy. They say he should cooperate with them for their relocation instead.

Kishore Thapa, an urban planner and former government secretary, said that since thousands of people live from street vending, the city administration should adopt a more sustainable approach.

“The way the municipal police mishandled the sales couple was inhumane,” he said. “The municipality should find a way out through consultation and dialogue to manage street sales. It should come up with separate rules to regulate street vendors.

After Friday’s incident, Kathmandu’s new mayor, Balendra Shah, also found himself in the eye of the storm for ignoring the plight of the poor. Shah, a rapper and structural engineer who introduced himself as a freelancer, was known for singing politically charged lyrics, often about the plight of the poor.

After Bidya Sundar Shakya’s much-criticized tenure as mayor, Shah’s election had raised hopes with people expecting him to do “much better”. However, he inherited many files from his predecessor, including waste management.

As the new mayor struggles to solve the perennial garbage problem that simply cannot be solved overnight, the crackdown on street vendors has raised questions about his intentions.

The couple were roughed up the same day the KMC issued a notice to make Kathmandu a city without beggars, a plan which experts say needs a well-thought-out approach to execute.

The feud between street vendors in Kathmandu and the authorities goes back more than a decade. Over the years, the authorities have also made many recommendations and promises to deal with street vendors in the city. None of them have been implemented.

Ten years ago, the government formed a committee to relocate street vendors from Khula Manch, Tinkune, Kalanki and Balaju regions. The committee’s recommendations were not implemented and street vendors continued to run their businesses where they found it convenient, preferably in busy places.

Then in 2014, Bamdev Gautam, the interior minister at the time, issued an order to evict all street vendors, but the latter refused to back down.

Shakya, after his election as mayor of Kathmandu in 2017, promised to solve the problem of street vendors with better relocation options, but he did little.

Experts say KMC officials should develop a long-term plan for how they can make the capital more livable rather than making knee-jerk reactions.

“It is true that the mayor’s first priority is to maintain law and order in the city,” said Thapa, the city planner. “But he should also think about a long and sustainable management of the street vending.”

Thapa cited examples of the world’s most developed cities where street vendors do their business without impeding the movement of others.

“The City may designate a specific location and time for vendors to conduct their business,” he said. “For example, it can introduce Sunday or Saturday markets or holiday markets in specific locations at specific times. If it were regulated and continued for a year, it would become a habit for everyone.

Hold on to your skinny jeans, it’s time to shine for millennials


Over the past 20 years, the number of young people moving to Australia to work or study has exploded, and they are no longer coming from the same countries as in the past.

According to the latest census, the number of people born in India living in Australia has exceeded those born in China and New Zealand.Credit:James Alcock

India, the Philippines, Nepal and China are now the largest cohorts of migrants aged 25-44 in Australia.

Of the 673,350 people born in India, 62% were between 25 and 44 years old in 2021, while more than two out of three people born in Nepal were between 25 and 44 years old at the time of the census.

Not so long ago, the majority of working-age migrants came from the UK and New Zealand.

These migrants, like other Australian-born millennials, are better educated than migrants who moved to Australia in the post-war decades. We are already highly educated, but we are also improving; accounting for 40 percent of those attending TAFE or some other form of vocational education, according to the census.

So what does this mean for the future of Australia?

Well, millennials have already started to take matters into their own hands. New South Wales Premier Dominic Perrottet is the first of us to lead this country’s governments, businesses and important institutions as baby boomers move away and Gen Xers take over. his retirement.

But we will shape the nation in other ways: as workers, consumers and households.

These higher degrees or TAFE certificates will come in handy because chances are we will work longer than our parents.

Why this? Australia’s population is aging, thanks to these baby boomers, which means the country will need more people to work longer. From next year, the retirement age will be 67, but there is a good chance that the retirement age will be raised to 70 as we approach retirement.

It’s a good thing, then, that our bosses have accumulated great contributions throughout our professional lives. When we reach retirement, we, and the generations after us, should all have some pretty decent savings set aside.

Despite our work, however, fewer of us own homes. According to the latest census, almost a third of Australians rent, while another third own their homes and another third have a mortgage of some kind.

While house prices in capital cities are currently falling, they are only expected to return to where they were at the start of the pandemic – and with median house prices in Sydney and Melbourne of 1.1 million dollars and nearly $800,000 respectively.

This could further encourage the pandemic trend of remote working and travel out of capital cities, to regional hubs like Geelong or Newcastle (or even Tasmania) as we millennials seek cheaper homes and even just less rent. dear.

“This could lead to a longer-term regional boom as millennials realize the sea-or-tree shift previously recorded for retirement in our working lives.”

This could lead to a longer-term regional boom as millennials realize the sea-or-tree shift previously recorded for retirement in our working lives. This means more shops, cafes, restaurants and businesses in our coastal and rural towns – and fewer costumes in our cities.

Of course, millennials won’t rule the country forever. Today, Gen Z (young people aged 1-24) makes up 18.2% of our population. The new generation of children aged nine and under – the alpha generation – make up 12% of Australians so far.

But those numbers will rise – for Gen Z as more people move to Australia, and Gen Alpha numbers will rise as more millennials have babies. The population of our younger generation will also increase through future waves of migration.

How these younger generations will shape Australia is a mystery for now, but one thing is certain, it will soon be Millennials’ time to shine.

Ross Gittins is on leave

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Sci-Simplified: What Happened to Green India? Ranked Last by Environmental Performance Index, India Disputes Methodology | The Weather Channel – Articles from The Weather Channel


Representative picture

(SL Shanth Kumar/BCCL Mumbai)

Bad news hit India’s Green Ambitions events last month! The country, aiming to accelerate its environmental missions this decade, ended up ranking last among 180 countries assessed on their ecological impact. The 2022 Environmental Performance Index (EPI) report ranked India 180th in terms of performance in climate, biodiversity and health metrics, well below other South Asian countries like India. Afghanistan (81st), Bhutan (85th), Maldives (113th), Sri Lanka (132nd), Nepal (162nd), Pakistan (176th), Bangladesh (177th).

The EPI ranks countries based on how close they are to achieving specific international climate goals for 2050, as well as their performance in environmental health and ecosystem vitality. Therefore, a high ranking indicates that the country has long-standing and ongoing environmental protection programs and policies in place.

According to the report, the top five performing countries (in order) are Denmark, the UK, Finland, Malta and Sweden, all of which belong to the Global-West region. In a not-so-surprising turn of events since the Trump administration, the United States ranked only 43rd overall, a distinct outlier as most wealthy countries also typically had high PPE scorecards. Asia-Pacific countries performed quite awfully overall, with only two countries breaking the top 50 – Japan (25th) and Singapore (50th).

How did India do?

EPI rankings are determined on 40 performance indicators that seek to indicate the status of national efforts to protect environmental health, improve ecosystem vitality and mitigate climate change. The report also lists individual performance scores for each indicator for each of the participating countries, as well as overall category scores and rankings.

In the health category, which includes air quality, sanitation, drinking water and waste management, India ranks 178th among all countries included. Another indicator, the ecosystem vitality index, aims to assess the health of our forests, their flora and their fauna. Despite our vast forest cover and abundant biodiversity, India seems to have failed to provide the proper safeguards, ranking only 178th.

Representative image (Antony Xavier/BCCL)

India ranks 42nd in the fishing category

(Antony Xavier/BCCL)

On a more positive note, however, India fared slightly better in the fishing category, claiming 42nd place overall. According to the IPS, our fish stock – a subdivision of the fisheries category that rates our dependence on overfished or collapsed stocks – puts us in the top 20 in the world.

While this is indeed a much-needed small victory, it may also be important to note that the February IPCC report predicted that climate change would lead to a severe decline in our fisheries, which means that this ranking could be in vain unless we strictly implement better fishing safeguards. immediately.

When it comes to indices related to agriculture – an industry on which our economy heavily depends – a similar story can be seen in our pesticide consumption, where India was ranked the 47th most responsible pesticide user in the world. India is the largest exporter of rice and many other commonly used agricultural products. In order for us to continue producing at current levels while meeting climate goals, it is important that we continue to innovate sustainable practices to up our farming game.

Other EPI Findings

As long as there have been a few “victories”, we must not cling to them. The PPE report serves as a grim reminder that there is still a long way to go for rapidly developing economies like India in terms of sustainability.


India to join ‘dirty two dozen’ by 2050

(Piyal Bhattacharjee/ BCCL Delhi)

For example, the report’s projections show that India is expected to join China, Russia and the United States in becoming the largest emitter of greenhouse gas emissions by 2050. Moreover, unless regulations and climate efforts are strictly tightened, a group of 24 countries known as the ‘dirty two dozen’ – which includes India, unfortunately – would account for up to 80% of total global emissions by 2050.

The EPI report also gives an explanation for some of the low rankings. According to them, most of the low-end countries have been afflicted by war or other upheavals, unfortunately making investment in environmental infrastructure very difficult for these nations. They go on to point out that India, Vietnam, Bangladesh and Pakistan suffered from lower rankings for this very reason, having prioritized economic growth over environmental sustainability.

India rejects ranking

The EPI methodology is overseen by the Yale Center for Environmental Law and Policy and the Center for International Earth Science Information Network, Columbia University. While they say the methodology was refined over two decades of meticulous data collection and evaluation, India has since determined there is much to improvise.

In a statement earlier this month, India dismissed its low ranking, saying many of the indicators used to assess the EPI are based on “unsubstantiated assumptions”, some of which are “extrapolated and based on assumptions and methods unscientific”.

It should be noted that India’s score has fallen by 0.60 since the last assessment in 2021. However, this is meaningless as the IPE continually claims that scores calculated using old methodologies do not are not comparable to current scores due to changes in ranking methodology. While this may be true, it should also be noted that India fell from 168th place in 2020 to 177th place in 2021.

Clarifying its position in the statement, the Ministry of Environment, Forestry and Climate Change (MoEF&CC) said that many important factors had been overlooked in the new methodology used in the study, such as the consideration of a longer period. They also claimed that the IPS revised the weights of some important indicators without explanation, resulting in poor scores for India.

They also said that many important indicators were omitted from the calculation of the scores, such as water quality indicators, water use efficiency, waste generation per capita, agro-biodiversity, soil health and food loss and waste – which includes some important indicators for developing countries with large agrarian populations like India.

Further, the statement stated: “The index emphasizes the extent of protected areas rather than the quality of protection they provide. Assessing the effectiveness of protected area management and ecologically sensitive regions is not taken into account in the calculation of biodiversity indices.”

Water scarcity could affect nearly half of India by 2050

(Snehil Sakhare/TOI, BCCL, Aurangabad)

With threats such as water scarcity expected to put up to 40% of the population in distress by 2050, the actions India decides to take next will certainly play a major role in determining the type of life that we and our children will carry out in the future. . We are one of the most “economically affected” countries due to climate change, threatened by rising sea levels and water scarcity that looks set to consume our country for years to come.

On the contrary, experts hope this report will remind our country to take stronger action and put in place better regulatory safeguards, to protect us and future generations from the continuing horrors of climate inaction.


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Himachal CM will be the main guest of the Dalai Lama’s birthday celebrations: Prez of the Tibetan government in exile

Penpa Tsering, the chairman of the Tibetan government-in-exile based in the Indian city of Dharamshala, has said Himachal Pradesh Chief Minister Jai Ram Thakur will be the chief guest at the birthday of His Holiness the Dalai Lama next week, which is July 6th. The development shows a growing commitment from Indian government settler officials. Notably, the last time Indian Prime Minister Modi spoke to the Dalai Lama and wished his birthday.

Speaking to WION’s diplomatic correspondent, Sidhant Sibal, Penpa Tsering, who is the Sikyong of the Central Tibetan Administration, said, “The Dalai Lama is well regarded by the international community. As Prime Minister Modi wished him on his birthday last year. of Himachal Pradesh this year as the chief guest for the anniversary of his saintliness.

China is known to be vexed by engagements with the Dalai Lama or members of Tibetan leaders in exile. Sikyong Tsering was in Washington a few days ago where he participated in the 8th World Convention of Parliamentarians on Tibet addressed by Nancy Pelosi, Speaker of the United States House of Representatives.

Interestingly, the US Congressional Executive Commission on China held a hearing on the Sino-Tibetan conflict and how to deal with Beijing’s narrative of Tibet’s history, particularly if it is a independent state.

Asked about the debate over the reincarnation of the Dalai Lama and China’s demand to name the next highest spiritual leader of Tibetan Buddhism, Sikyong Tsering said: “A communist government that does not believe in religion itself cannot be responsible for recognizing the reincarnation of His Holiness the Dalai Lama. The reincarnation of His Holiness depends solely on the decision of His Holiness.”


WION: Can you tell us about your visit to Washington at the 8th World Parliamentarians Convention on Tibet from June 22-23, which saw the participation of Nancy Pelosi.

Penpa Tsering: The World Parliamentarians Convention on Tibet took place first in 1994 in India, then in Lithuania, in 1997 in Washington, so we came back to Washington DC after 25 years. The 4th, 5th of these conventions took place in Scotland, in Rome, the 7th in Latvia and this is the 8th convention of parliamentarians on Tibet and 28 nations participated in a hybrid form. At the inauguration, President Nancy Pelosi was present and the President of the International Tibet Campaign, Richard Gere, was also present. President Pelosi has been very kind and supportive of the Tibet issue and is committed to the cause of Tibet. She has been very adamant in her fight against disinformation about Tibet and historical narrative about Tibet and expressed her support. Congressman Jim McGovern is also co-chair of the Congressional Executive Commission on China. He, along with lecturer Pelosi, decided to hold a hearing on the historical status of Tibet to counter misinformation about the narrative about Tibet’s historical status as an independent state by experts. Chinese propaganda has been very strong and almost all countries recognize Tibet as part of the People’s Republic of China. This must be countered. The hearing took place in Congress for the first time, and they also plan to bring a bill to the House in the coming days.

WION: How important is this hearing on Tibet in the US Congress to you? It appears that the administration and Congress have been actively engaged on Tibetan issues.

Penpa Tsering: I would like to thank President Biden for appointing Uzra Zeya to the position of United States Special Coordinator for Tibetan Issues just one year after taking office at the Under Secretary level. When I was in the United States in April-May, we met her, and then she also came to India and Nepal the following month. So the progress and interest of the United States government has been very strong and very consistent. Then the hearing on the hill, on historical accounts, described as obstacles to the resolution of the Sino-Tibetan conflict. Sadly, not many people read Tibetan history, and China said Tibet was part of China since the 7th century, and they couldn’t stand it, then they said Tibet was part of China since the 13th century, that couldn’t hold either, so in the 18th century, that also couldn’t hold. At one time they were saying that Tibet was part of China since ancient times, and now they are talking about Tibet being part of China from time immemorial. So if we don’t counter China’s narratives, you won’t get the middle approach. People do not realize that Tibet was an independent country and His Holiness the Dalai Lama, considering the reality in Tibet, decided to withdraw from independence to take a middle-of-the-road approach, seeking a negotiated and mutually beneficial lasting solution. for the Sino-Tibetan conflict. In this respect, the hearing is significant and it is recorded in the American Congress that Tibet was not part of China.

WION: How do you view the G7 statement mentioning Tibet and Xinjiang, calling on China to respect universal human rights and fundamental freedoms?

Penpa Tsering: Right now, because of Russia’s invasion of Ukraine, everyone’s focus is on Russia, but the United States, NATO and the G7 recognize the fact that China is competition long term and a challenge to the global democratic world order. In this sense, the G7 mentioning Tibet on basic human rights is significant and shows a shift in policies, focusing on the Sino-Tibetan conflict. I really thank the G7 for making a statement, not only on Tibet but also on the Uyghurs. I prefer to call it Uyghurs instead of Xinjiang because that is the name given by China, which engages in sinicization, including names. Now, if you go to the Tibetan map, it will be very difficult to read the Tibetan names, because everything is Sinicization. They call Tibet Xizang, which is not acceptable.

WION: The Chinese president went to Hong Kong. How do you see the visit?

Penpa Tsering: China has already gone against international law so what was agreed between the British and the Chinese after the takeover in 1997 China flouted all those agreements and then there have been developments in recent years. And now the guys from Hong Kong are scattered all over the world as refugees. President Xi hasn’t traveled outside of China for over 2 years, and people think he won’t travel overseas. So Hong Kong, now more or less under China, the visit can somehow be President Xi’s message to the world that Hong Kong is an integral part of China and they are trying to improve economic conditions but without freedom , it is very difficult to engage with China.

WION: The Dalai Lama’s birthday is approaching. Many festivities are planned. What are the Tibetan leaders and parliament planning, and do you see world leaders congratulating the Dalai Lama?

Penpa Tsering: It has always been there, his holiness, the Dalai Lama is well regarded by the international community and you remember PM Modi wishing him on his birthday last year. So, this year we have the Chief Minister of Himachal Pradesh as the main guest for his sainthood birthday. But we won’t be partying on a large scale because of the Covid. Of course, now his holiness is aging and now it is a concern since he is going to be 87 years old. We are happy that his holiness remains in very good health.

WION: Are you expecting congratulations from the Prime Minister of India and are you also expecting a meeting, His Holiness the Dalai Lama meeting the Prime Minister?

Penpa Tsering: The meeting, I assume, will not take place until His Holiness descends on Delhi. Not on His Holiness’ birthday, because the PM doesn’t travel there, and His Holiness doesn’t come here. Following the trend of last year, I’m sure there will be many wishes from the international community, including India.

WION: There are concerns about who will be the next Dalai Lama, his reincarnation. China has its own point of view and it names the next Dalai Lama. What is the view of the Tibetan leaders on what China is saying?

Penpa Tsering: The reincarnation of His Holiness depends solely on the decision of His Holiness because he will be reincarnated. A communist government that does not believe in religion itself cannot be responsible for recognizing the reincarnation of His Holiness, the Dalai Lama. Even if they come up with another candidate, as a reincarnated Dalai Lama, it will not be accepted, not only by Tibetans but by the whole world community. The US government has already taken a stance on this in the form of an amendment to the Tibet Policy Act of 2002, now called the Tibet Policy and Support Act 2020, which I believe many countries will replicate. Regarding His Holiness, according to some predictions, His Holiness should live to be 113 years old, so it is too early to talk about his reincarnation. He will live long.

Nepal: Post-distribution monitoring survey (May 2022) – Nepal



SECTION A. Introduction

Description of the disaster

Nepal faces floods and landslides due to extreme rainfall normally from June to September every year. According to the Nepal Disaster Report (2019), more than 10,000 families are affected by floods and landslides each year, leaving many people homeless who face various challenges in coping with the situation while managing immediate humanitarian needs with their own capacities. During the 2021 monsoon season (June-September), floods and landslides affected 72 districts across the country, mainly in Terai and hilly areas. The resulting impact on people’s lives and livelihoods, agricultural produce, physical properties and infrastructure was considerable, which was further exacerbated by the sudden downpour of rain in late October. According to data from the Ministry of the Interior, between June and October 27, 2021, 673 people lost their lives, 69 people are missing and 181 people are injured due to the disaster caused by the water.

During the last week of August 2021, rainfall intensified for at least four consecutive days, with many rivers crossing warning thresholds, causing widespread flooding in many parts of the southern plains and landslides reported in the hilly region. As a result of these incessant rains, 11 districts (Myagdi, Rupandehi, Dang, Darchula, Sindhuli, Nawalparasi East, Nawalparasi West, Kanchanpur, Kailali, Udayapur and Mahottari) and 4,899 families have been affected, including 2,129 temporarily displaced.

Again in October, the rains intensified for at least five consecutive days from October 17, 2021. According to initial assessments by the Nepal Red Cross Society (NRCS), 17 districts (Baitadi, Bajhang, Dhankuta, Kalikot, Doti , Dadeldhura, Bajhang, Kailali, Ilam, Udaypur, Humla, Mugu, Darchula, Pachthar, Sunsari, Bhojpur and Kanchanpur) and 5,415 families were affected, 3,385 families were displaced and 2,237 houses were completely damaged due to these incessant rains. The Interior Ministry reported that there were 101 dead, 41 missing and 40 injured. The unforeseen and continuous rains not only affected families and their homes, but also their livelihoods, as 60-80% of crop losses were reported. The disaster also affected the pace of relief response as many districts were unable to report the situation due to damage to road sections and interruptions in electricity, telephone and internet connection. .

Impacts of disasters in communities

Floods and landslides in different parts of the country have displaced many households temporarily or permanently. The displaced population took refuge in schools, community centers, parents’ houses and some in temporary shelters. In the immediate post-disaster period, there was a critical need in terms of shelter, water, sanitation and hygiene (WASH), livelihoods, protection, health issues mainly due to the risk of outbreaks of waterborne and vector-borne diseases and COVID-19. 19 transmission. Besides damaged houses, the floods and landslides have damaged infrastructure such as roads, markets and agricultural land, livestock and crops. Shelter items remained the priority needs of the displaced population, followed by food and WASH needs. There was also a need to incorporate protection, gender and inclusion (PGI) considerations to prioritize vulnerable people for relief such as children, pregnant women, the elderly, people with long term, people with disabilities and other people from other countries. marginalized groups. This difficult situation has been further aggravated by the risk of transmission and spread of COVID19 due to the gathering of groups of affected people for temporary shelter.

Role of NRCS in relief operations

The NRCS played a vital role in providing rapid response to the disaster affected population in the affected districts. It has prepared its monsoon preparedness and response plan which is in line with the government plan. Immediately after the onset of floods and landslides, NRCS committed to providing relief services to the affected population by providing shelter, hygiene items, cash grants, other non-food items (Figure 1) and health-related activities. NRCS district chapters and sub-chapters have been working in close coordination with the respective local government, security forces and other humanitarian agencies in providing support.

In response to the August and October 2021 disaster, NRCS deployed 486 trained volunteers to the field to provide various immediate responses, such as conducting an initial rapid assessment followed by a detailed assessment in 13 districts ( Darchula, Kanchanpur, Rupandehi, Nawarparasi East, Nawalparasi West, Kaski, Parbat, Myagdi, Sindhuli, Mahottari, Kalikot, Ilam and Panchthar), search and rescue, first aid, evacuation and immediate relief if required. The NRCS provided and distributed relief (in kind and in cash) to disaster affected populations. Non-food relief item (NFRI) sets were rapidly distributed during emergencies to different warehouses located in different parts of the country. NRCS district chapters worked in conjunction with local authorities to carry out relief assessment and distribution, while helping communities to be safe and prepared for disaster in the future.

Given the scale of the disaster, CHF 395,609 has been allocated by the IFRC from the Disaster Relief Emergency Fund (DREF) to help the NRCS provide relief services to the affected population. .

Survey objectives

In this context, immediately after the completion of the relief activities, the NRCS conducted a post-distribution monitoring survey.

The Post-Distribution Monitoring Survey (PDMS) aimed to provide key lessons learned, mainly in terms of relevance/quality, timeliness, effectiveness of relief operations conducted by NRCS and recommendations for future relief operations. in Nepal and elsewhere.

The survey also aimed to collect quantitative and qualitative data, conduct a timeline survey and analyze beneficiary/stakeholder data in terms of timeliness of relief services, adequacy/quality of relief services and satisfaction. beneficiaries in relation to the distribution of relief items.

USAG Bavaria Welcomes 22 New US Citizens at Naturalization Ceremony | Article

GRAFENWHOER, Germany — Twenty-two members of the USAG Bavaria community were sworn in as U.S. citizens during a virtual naturalization ceremony June 29 at the Tower View Conference Center. The ceremony, part of a special naturalization program for active duty service members and their families, welcomed people from 12 different countries as new citizens of the United States.

After the national anthem, sung by Jamie Patterson, the pledge of allegiance was virtually delivered by Eloris James, immigration officer with the United States Citizenship and Immigration Services (USCIS).

“Thank you all for your service and commitment to the United States,” James said. “Becoming a soldier before becoming an American citizen is an incredible act of patriotism and selflessness. Thank you so much for your service and commitment to our nation.

The ceremony ended with the garrison commander, Col. Christopher R. Danbeck, handing out naturalization certificates to the new American citizens.

“America’s strength lies not only in its armed forces or its economy but in the hearts and minds of its people – good people, strong in character. People like the 22 of you,” Danbeck said, congratulating the new citizens. “Today you are part of something great – America. And today America becomes greater and more complete because of you. Please enrich our lives with your past experiences for we have a lot to learn from all of you. Congratulations and welcome to my new citizens.

The new US citizens are from Belize, Benin, Cameroon, China, Congo, Ecuador, El Salvador, Jamaica, Kenya, Haiti, Mexico, Nepal, Philippines, from South Korea and Venezuela. Currently, candidates are stationed in garrisons across Germany, including Grafenwoehr, Vilseck, Hohenfels and Illesheim/Ansbach. Moreover, one candidate even traveled to the ceremony from Poland.

Pfc. Venezuela’s Bryant Castellanos had been anticipating this moment since he was a boy, saying, “I feel very happy! I have been in the United States since I was twelve years old. I’m really happy that I was able to become an American citizen and I’m proud to be able to serve this country.

SPC. Jamaican native Henry Shaquelle said: “I am excited and overwhelmed with emotions. It is truly amazing to become a citizen of the greatest nation. This here today shows that you can achieve anything you want. It just takes hard work and dedication.

You can view a video recording of the ceremony on Facebook here.

Crippling fertilizer shortage darkens Rice Day celebrations for thousands of farmers


Nepali farmers are likely to celebrate National Paddy Day on Wednesday with a glum face as the government does not seem too concerned with ensuring an adequate supply of chemical fertilizers for the most important crop of the year.

Doubts about getting plant nutrients in the crucial season have dampened the mood of tens of thousands of farmers across the country, and they don’t really feel like rejoicing at the annual festival. marking the start of the paddy transplanting season, insiders say.

If farmers cannot get chemical fertilizers in time due to government clumsiness, they face reduced harvests and reduced incomes, which could lead to food shortages and fuel inflation.

The country’s economy is already struggling with a slow growth rate, high inflation and low employment rate, which experts say is a sign of stagflation. The loss of output would add further woes to the struggling economy, economists have warned.

The government is struggling to procure fertilizer under a government-to-government deal with India after state-owned companies failed to import in a timely manner, mainly due to high costs.

Fertilizer prices have ballooned four to five times in a year, officials said, and the government would need more than 70 billion rupees in subsidies to meet farmers’ demands.

The government had set aside 15 billion rupees to import chemical fertilizers. But at current prices, the money will barely be enough to buy 200,000 tonnes, said an official with the Salt Trading Corporation, one of two state-run supply agencies.

The government-to-government deal, signed in February, was supposed to avoid a long hassle to import products, but it appears to have hit one legal hurdle after another.

The chances of a quick availability of chemical fertilizers appear low, an agriculture ministry official said.

The firm had recently cleared a host of legal hurdles to facilitate an urgent shipment of necessary crop nutrients, allowing the Agriculture Inputs Company to pay a full advance to the Indian supplier appointed by New Delhi. But many legal problems remain.

“India asked us to take delivery of bulk shipments of chemical fertilizers, and that complicated things,” said Agriculture Ministry spokesman Prakash Kumar Sanjel.

“Bulk shipping means the fertilizer will be loaded directly into containers without packaging. But our law does not allow us to bring the product without packaging. Even if the product is taken to border checkpoints, it must be properly packaged. So we will have to launch another tender,” he said. “That obviously means a lot more time to fertilize.”

Agriculture is the mainstay of Nepal’s economy, employing around 60% of the total workforce and contributing 25% to the national economy. Post file photo

According to Sanjel, the ministry had sent a letter to New Delhi through the Foreign Ministry last Wednesday with a request for packaged fertilizers.

Nepal had signed a memorandum of understanding with India to supply 150,000 tonnes of chemical fertilizer under a government-to-government deal, but the southern neighbor had promised to send a shipment of 50 000 tonnes of urea and 30,000 tonnes of DAP by mid-July as a crisis mitigation measure.

Experts say that for the first time, farmers around the world are facing a shortage of chemical fertilizers, all at the same time.

Agriculture is the mainstay of Nepal’s economy, employing around 60% of the total workforce and contributing 25% to the national economy.

The Ministry of Agriculture and Livestock Development has estimated the annual demand for fertilizer to be around 600,000 tons.

Dhiraj Yadav from Khajani, Rupandehi transplanted paddy on his 7 bigaha (4.69 hectares) farm without using any fertilizer.

“We don’t know when the fertilizer will be available. We cannot miss the paddy transplanting date. I did it without chemical fertilizer,” Yadav said. He immediately needs 20 bags of fertilizer but doesn’t even have a grain of it.

Yadav is encouraged by the abundant rains, but he fears a bad harvest.

In Jwalamukhi Rural Municipality, Dhading, rice farmer Hari Thapa was forced to buy a bag of contraband chemical fertilizer for 2,100 rupees.

“The price depends on the grain size of the fertilizer. Small grain costs Rs 2,100 and large grain costs Rs 2,600 per bag.”

As the government was unable to provide subsidized fertilizer, smuggling flourished. Experts say smuggled fertilizers are of questionable quality and substandard products can damage crops.

“Farmers are forced to pay the price set by traders for smuggled inputs,” Thapa said.

Another farmer, Raj Kumar Shrestha, said that for farmers, fertilizer is more important than money. “The market is flooded with smuggled fertilizer, but at least it’s available,” Shrestha said. “Usually a bag of fertilizer would cost Rs 900, but we buy it for Rs 2,800 per bag.”

Earlier this month, Agriculture Minister Mahendra Ray Yadav was in New Delhi to follow up on India’s fertilizer purchase.

Parliament also called on the government to ensure an adequate supply of chemical fertilizers to farmers.

Officials from the Agriculture Inputs Company, the agency responsible for providing 70% of subsidized chemical fertilizers, traveled frequently to New Delhi and Mumbai to sign a trade deal with Rashtriya Chemicals and Fertilisers, the company New Delhi appointed to supply chemical fertilizers to Nepal.

“Officials are currently in India waiting to sign the trade agreement,” spokesman Sanjel said. “After signing the business agreement, we must place an order within two working days and make full payment within two more working days.”

The Ministry of Agriculture estimates that the annual demand for fertilizer is around 600,000 tons. Post file photo

Meanwhile, Rajendra Bahadur Karki, managing director of the Agriculture Inputs Company, told the Post correspondent in New Delhi that Rashtriya Chemicals and Fertilizers had agreed to ship 15,000 tons of urea in the first batch.

Karki is currently in Mumbai to sign a business deal.

“The consignment will be shipped from Dhamra Port in Odisha, India,” Karki said. “The Indian side will pack the fertilizer with the name of Agriculture Inputs Company in the bags and the products will be delivered to Birgunj by the Indian side.”

The trade deal, however, has yet to be signed, he said.

Sanjel said Nepal has also requested India to arrange all available means of transport, train or truck, to ship the fertilizer. “If India delivers the committed fertilizer, our transportation system will not be able to handle shipments on time.”

Nepal needs 210,000 tons of chemical fertilizer for the paddy planting season, and it needs 150,000 to 170,000 tons to avert disaster. The paddy transplanting season extends from early June to August. If the monsoon is delayed, the transplant period extends until September.

The DAP requirement for the paddy season is 60,000 tonnes. According to Sanjel, DAP’s stock is currently at 30,000 tonnes.

About 7,000 tonnes of urea arrived on Sunday. “We expect an additional 25,000 tonnes of urea to be delivered within days.”

Urea is necessary for top dressing, which is carried out three weeks after the end of the transplant.

“We are working out a plan and hope the farmers will get urea for top dressing.”

Farmers use urea because it is heavily subsidized. Urea is the most important nitrogen fertilizer on the market, with the highest nitrogen content of 46%. Nitrogen stimulates plant growth.

In Nepal, urea is sold to farmers at the subsidized rate of Rs 15 per kg.

According to reports, fertilizer prices have been climbing for more than a year for a multitude of reasons: soaring prices for natural gas, the primary feedstock for much of the world’s nitrogen fertilizers; sanctions against a major Belarusian potash producer; back-to-back storms in late summer on the US Gulf Coast that temporarily halted production in the region; plus the Covid-19 restrictions which disrupted all global supply chains, including chemicals.

China, the world’s largest phosphate producer, has limited outbound shipments to build up a stock at home, further exacerbating the global shortage.

Compounding the problem is Russia’s invasion of Ukraine, which effectively cut off almost a fifth of global nutrient exports.

(With contributions from our Delhi correspondent Rajesh Mishra and district-based reporters.)

United States donates 2.2 million doses of pediatric Covid-19 vaccine to Nepal > US Indo-Pacific Command > 2015

United States donates 2.2 million doses of pediatric Covid-19 vaccine to Nepal > US Indo-Pacific Command > 2015

KATHMANDU, United States Embassy in Nepal — The United States government is donating 2.2 million doses of pediatric vaccines to Nepal to help fight COVID-19. These highly effective and lifesaving vaccines for children ages 5 to 11 are provided through the generosity of the American people and are in addition to the 2.26 million doses of Pfizer vaccines and 1.5 million Johnson & Johnson vaccines to single dose that the United States has given to Nepal so far.

This donation also celebrates 75 years of diplomatic relations between the United States and Nepal. The historic U.S. support for Nepal’s health sector reflects the powerful results of our partnership. Since the start of the pandemic, the United States government has worked directly with the government of Nepal to combat the COVID-19 pandemic, ensure the continuity of essential health services, and help the country mitigate the social and secondary economics of the pandemic – particularly on education and livelihoods.

In preparation for the launch of the Pfizer Pediatric Vaccine Campaign, USAID supported Nepal’s Ministry of Health and Population to train frontline health workers in 56 districts to administer the Pfizer Pediatric Vaccine.

Worldwide, the United States has pledged to donate more than 1.1 billion vaccines to 115 developing countries and has already delivered more than half a billion doses of COVID-19 vaccines. With its $4 billion contribution, the United States is the largest bilateral donor to the global vaccine initiative, COVAX.

The United States is committed to leading the global response to COVID-19 because it is the right thing to do and it will make all of us, Americans and Nepalese alike, safer. We are proud to work with Nepal to end this pandemic.

Leading Online Optical Retailer GlassesUSA.com Partners with Bringing Life to the World Humanitarian Project to Restore Sight to Hundreds of People in Nepal for the First Time Ever


“As an agile organization capable of mobilizing quickly and effectively, GlassesUSA.com is proud to take action and provide resources to assist and provide vision care to those without access to medical assistance.” Daniel RothmanCEO and co-founder of GlassesUSA.com.

GlassesUSA.com and Bring life to the world aim to help provide medical and vision care where people do not have access to modern medicine.

About GlassesUSA.com

GlassesUSA.com is the fastest growing online eyewear retailer United States. Offering a variety of high quality, in-house designed designer and private label brands in a wide range of styles – single vision glasses, progressive, Sun glasses, sports glasses, glasses for children, contact lenses, blue light blocking glasses, bluetooth glasses and more – GlassesUSA.com was built on the belief that eyewear should be affordable for everyone. The company is on a mission to change the way consumers buy their eyewear. As a disruptor in the eyewear category, GlassesUSA.com continues to innovate the industry with tools that advance the brand’s mission, including its proprietary Prescription Scanner app, which extracts the current prescription from any what pair of glasses, and the Virtual Eyewear Trial which allows consumers to try on any frame from the comfort of their home as well as a 60 second quiz which makes it easy for customers to find their perfect eyewear in no time. GlassesUSA.com leverages data and technology to optimize operations and unlock opportunities to serve customers more effectively. Learn more at GlassesUSA.com.

Contact information
Lea Sushelsky– PR & Communication Director
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SOURCE GlassesUSA.com

More than 50,000 children under two missed regular vaccinations during the pandemic

Over 50,000 children under the age of two across the country have missed their regular immunization schedule during the Covid-19 pandemic. And it is estimated that more than 6,000 children in this age group have not taken any doses of the vaccine.

“These children are at high risk of contracting various diseases, which could be prevented with regular vaccination,” said an official from the Ministry of Health and Population, asking not to be named. “Although vaccination coverage of children in the regular immunization program has become normal now, children who have not been vaccinated during the Covid-19 pandemic are a matter of serious concern.”

Immunizing children is the government’s number one priority, under which it provides 13 types of vaccines against a range of diseases, including measles-rubella, pneumonia, tuberculosis, diphtheria, pertussis, tetanus, hepatitis B, rotavirus, Japanese encephalitis and typhoid under the regular free vaccination program.

The coronavirus pandemic has disrupted many health-related programs, including regular vaccination in many places across the country.

With public transport shut down and fear of Covid infection among the population, hundreds of children missed their regular vaccination schedules across the country when the pandemic was at its peak.

Officials from the Ministry of Health and Population admit that the routine immunization program has been affected by the pandemic despite government efforts to maintain services.

“We have to admit that a lot of children missed the vaccine during the Covid-19 pandemic,” said Dr Bibek Kumar Lal, director of the Division of Family Welfare, Department of Health Services. “They are still at risk of contracting vaccine-preventable diseases. We are working to launch a special program to find and inoculate children who missed vaccination during the pandemic. »

Officials said the ministry would seek the help of female community health volunteers to track down the children, who have not received all the vaccines, and inoculate them.

“We will ask health workers to find unvaccinated children and inoculate them,” said Sagar Dahal, head of the national immunization programme.

Regular immunization against childhood diseases is one of the most successful programs in Nepal, with a high coverage rate. The country has made remarkable progress in reducing the under-five mortality rate and the regular immunization program is credited for this success.

In 2019, the country was estimated to have reduced its infant mortality rate to 31 per 1,000 live births, or 78% from the 1990 level.

According to the World Health Organization and UNICEF, global measles cases increased by 79% in the first two months of 2022, compared to the same period in 2021. WHO and UNICEF warn of conditions conducive to severe outbreaks of vaccine-preventable diseases.

“Pandemic-related disruptions, growing inequities in access to vaccines, and the diversion of resources from routine immunization are leaving too many children unprotected against measles and other vaccine-preventable diseases,” reads- one in the WHO report. “The risk of large outbreaks has increased as communities relax social distancing practices and other preventive measures for Covid-19 implemented at the height of the pandemic.”

Doctors warn that interrupting the regular immunization program could pose a serious health risk to children and increase the infant mortality rate.

They said the risk of infection and the death rate could increase if vaccines are not given in time.

“We have a deferral schedule, which means if children have missed a vaccine, they can be vaccinated within five years,” said Dr Jhalak Gautam, former head of the national immunization programme. “Relevant authorities should follow the schedule of delays, find children who missed the vaccine and inoculate them.”

Nepal still has a high infant mortality rate and the country needs to do a lot to achieve the Sustainable Development Goals.

Nepal’s current neonatal mortality rate is 21 per 1,000 live births and infant mortality rate is 32 per 1,000 live births. The numbers have stagnated for several years.

Payday Loan Service: Market Growth Expected to Increase Significantly from 2022 to 2028

Payday Loan Services Market 2022 this report is included with the Impact of latest market disruptions such as Russian-Ukrainian war and COVID19 outbreak impact analysis key points influencing market growth. Also, Payday Loan Services Market (By Major Key Players, By Types, By Applications and Major Regions) Segments Outlook, Business Assessment, Competition Scenario, Trends and Forecast through the coming year. The study of the Payday Loans Service report is done on the basis of important research methodology which provides an analytical inspection of the global market based on various segments in which the industry is also alienated in the summary and advanced size of the market owing to the various outlook possibilities. The report also gives 360 degree overview of the competitive landscape of industries. SWOT analysis was used to understand the strengths, weaknesses, opportunities and threats in front of the shops. Thus, helping businesses understand the threats and challenges facing businesses. The market for payday loan services is showing steady growth and CAGR is expected to improve over the forecast period.

This free sample report includes:
  1. A Brief Introduction to Payday Loan Services Market Research Report.
  2. Graphical introduction of the regional analysis.
  3. The top payday loan services market players with their revenue analysis.
  4. Selected illustrations of payday loan services market information and trends.
  5. Sample pages of the Payday Loan Services Market report.

Key players in the payday loan services market.

Credit J.D.
Credit 36​​5
Amaze Credit
Able ready
Quick credit
Cash advance credit
Maximum credit
Credit A1
Raffles Credit
Cashmax Payday Loans

Key Business Segmentation of the Payday Loan Services Market

On the basis of types, the payday loan services market from 2015 to 2025 is majorly split into:
Financial support from the platform
Off-platform financial support

based on records, the Personal Loan Service market from 2015 to 2025 covers:

Some of the key factors contributing to the growth of the payday loan services market include:

  • Increase in per capita disposable income
  • Youth friendly Demographics
  • Technological advancement

In terms of the impact of COVID 19, the Payday Loan Service Market report also includes the following data points:

  • Impact on Payday Loan Services Market Size
  • End-User Trend, Preferences, and Budget Impact of Payday Loan Services Market
  • Regulatory Framework/Government Policies
  • Key Players Strategy to Combat the Negative Impact of Payday Loan Services Market
  • New Payday Loan Services Market Opportunity Window

Payday Loan Services Market Regional Analysis:

It could be divided into two different sections: one for regional production analysis and the other for regional consumption analysis. Here, analysts share gross margin, price, revenue, production, CAGR, and other factors that indicate growth for all regional markets studied in the report. covering North America, Europe, Asia-Pacific, South America, Middle East and Africa.

Key Question Answered in Payday Loan Services Market Report.

  • What are the strengths and weaknesses of the payday loan services market?
  • What are the different marketing and distribution channels?
  • What is the current CAGR of the Payday Loan Services Market?
  • What are the Payday Loan Services market opportunities ahead of the market?
  • Who are the major competitors in the payday loan services market?
  • What are the main results of SWOT and Porter’s Five Techniques?
  • What is the payday loan services market size and growth rate over the forecast period?

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Main points of the table of contents:

There are 13 Chapters to detail the Payday Loan Services market. This report included the analysis of market overview, market characteristics, industry chain, competition landscape, historical and future data by types, applications and regions.

  • Chapter 1: Payday Loan Services Market overview, product overview, market segmentation, regions market overview, market dynamics, limitations, opportunities, and industry news and policies.
  • Chapter 2: Payday Loan Services industry chain analysis, upstream raw material suppliers, major players, production process analysis, cost analysis, market channels and major downstream buyers.
  • Chapter 3: Analysis of value, production, growth rate and price analysis by type of payday loans service.
  • Chapter 4: Downstream characteristics, consumption and market share by application of personal loan service.
  • Chapter 5: Production volume, price, gross margin and revenue ($) of Payday Loan Service by regions.
  • Chapter 6: Production, consumption, export and import of payday loan services by regions.
  • Chapter 7: Payday Loan Services Market Status and SWOT Analysis by Regions.
  • Chapter 8: Competitive landscape, product overview, company profiles, Payday Loan Service players market distribution status.
  • Chapter 9: Payday Loan Services Market Analysis and Forecast by Type and Application.
  • Chapter 10: Payday Loan Services Market Analysis and Forecast by Regions.
  • Chapter 11: Characteristics of the payday loan services industry, key factors, new entrants SWOT analysis, investment feasibility analysis.
  • Chapter 12: Payday Loan Services Market Conclusion of the entire report.
  • Chapter 13: Appendix such as Payday Loan Services Market Research Methodology and Data Resources.

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Note – In order to provide more accurate market forecasts, all our reports will be updated prior to delivery considering the impact of COVID-19.

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Luhri-1 Project Enters Advanced Construction Phase: CMD SJVN Inaugurates Project Diversion Tunnel


The Luhri-1 project is entering an advanced construction phase: CMD SJVN inaugurates the project’s diversion tunnel.

June 25, 2022

Ch. Nand Lal Sharma, Chairman and Managing Director of SJVN, today triggered the latest explosion and inaugurated the diversion of the river from the 210 MW Luhri Stage-1 hydropower project. Ch. Sharma also inaugurated the start of the Pen Stock fabrication and the installation work of the diversion tunnel gates. On this occasion, Ch. SP Bansal Director (Civilian), Sh. RL Negi, Project Manager and other senior officials were also present.<_o3a_p>

Ch. Nand Lal Sharma informed that the completion of a 617 meter long diversion tunnel is a significant achievement for the project. “Diverting water from the river through it will pave the way for the construction of the cofferdam and bring us closer to our goal of commissioning,” Sh. Sharma said. The foundation stone of the 210 MW Luhri Stage-1 hydropower project was laid by Prime Minister Sh. Narendra Modi on 27e December 2021.<_o3a_p>

Ch. Nand Lal Sharma reviewed in detail the ongoing stripping works for the dam, power station and tail race development on the right bank of the river and national highway diversion. The national road diversion works are in the final phase and will be completed very soon. With this, the construction works of the dam on the left bank of the river will also begin. Ch. Sharma urged employees to maintain dedication and team spirit to complete construction activities of all components on time. <_o3a_p>

Ch. Nand Lal Sharma informed thatthethe estimated cost of the Luhri Stage-1 hydropower project is Rs 1810 crores and when completed it would generate 758 million units of electricity per year. The project would also lead to a reduction in emissions of 6.1 lakh tonnes of carbon dioxide per year. He further stated that The Luhri-1 project contributes to the overall development of the region with the creation of community assets, the development of infrastructures and the creation of direct and indirect jobs. VVarious CSR initiatives are implemented near the project benefiting the region and the state of Himachal Pradesh as a whole. Ch. Sharma also inspected the construction activities of the 84 meter long steel truss bridge. Once completed, the bridge will facilitate project activities and will be extremely beneficial to the people of Kullu and Shimla districts.<_o3a_p>

Currently, SJVN has a portfolio of over 31,500 MW. The company is executing several projects in India, Nepal and Bhutan with a focus on harnessing renewable energy. The rapid addition of several projects in recent times has propelled the company towards achieving its shared vision of 5,000 MW by 2023, 25,000 MW by 2030 and 50,000 MW by 2040.<_o3a_p>

——– 0 ——–<_o3a_p>


SJVN Limited published this content on June 25, 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unmodified, on Jun 27, 2022 12:14:02 UTC.

Gurdung settlement faces severe water shortages every monsoon

Saili Tamang from Gurdung settlement in Dhunibesi town gets up early in the morning and goes down to Padheri stream to bring water home. It takes the 67-year-old almost an hour to reach the creek and another hour and a half to return home with the water boat.

“It is very difficult for me to carry the 20-litre container filled with water. But there is no alternative. I have to stop and rest in several places,” Saili said. His daughter-in-law also accompanies him to fetch water from the stream every morning.

“Families in our settlement struggle every day to manage drinking water, but the government is indifferent to our difficulties despite repeated requests,” Saili said.

The situation of 34-year-old Sharmila Tamang is no different from that of Saili. In addition to working the field, collecting fodder for the domestic animals, preparing meals and taking care of the children, she also has to worry about managing water for her family.

“I have to get up before dawn to fetch water from the stream, which is an hour’s walk away. Otherwise, I cannot do other household chores and work in the fields,” said Sharmila.

She brought home two barrels to collect rainwater. Sharmila uses rainwater for cooking and other household chores.

“But we have no alternative but to go to the stream to bring drinking water,” she said.

There are 68 households in Gurdung settlement and all of them are reeling from severe water shortages. There is a water tap in the village but it dries up with every monsoon.

The villagers had built a micro-hydropower project in the Patheri stream eight years ago. The electricity generated by the project is used to transport water from the stream to the village. But the tap water supply is interrupted every rainy season as the flooding of the river damages the reservoir, forcing villagers to go to the stream to get drinking water.

The government has spent millions to implement several drinking water projects to supply water to urban areas and markets, but people in several rural villages are still forced to drink water from the river due to the non-functioning of drinking water projects in the villages.

The constitution of Nepal defines access to drinking water as a fundamental right of citizens. However, residents of many rural villages have been denied this right for a long time. Despite the government’s “one house, one tap” campaign, consumers have been forced to live with water shortages for years due to non-implementation.

“Everyone, from children to the elderly, goes to the river to fetch water. The river water is used for drinking while the rainwater is used for cooking and other household chores,” said Gurdung resident Ganga Tamang. “Children here sometimes have to miss school to fetch water from the stream.”

The water crisis has made it difficult for villagers to grow vegetables and raise livestock, says Ganga.

During each election season, candidates come to the village seeking votes and with promises to solve their drinking water crisis. But so far none of the candidates and authorities have done anything to solve their problem, villagers say.

GTA: New voters want jobs and development, vote for change


After walking through hilly terrain for about 45 minutes and climbing 200 steps near Thurbo Tea Garden, 18-year-old Swadiksha, a first-time voter, voted at Thurbo Prathamik Pathshala in Mirik to elect a candidate of his choice for the
Gorkhaland Territorial Administration (GTA), whose vote took place on Sunday.

Swadiksha is voting for a steady supply of clean water and electricity and a road to her village, among other things, she told The Indian Express. “Can you imagine that at a time when people are thinking of buying land on Mars and the Moon, we don’t have electricity and water for our village,” said Swadiksha, a student from class 12 who lives in the Thurbo Tea Estate. located at an altitude ranging from 3,220 to 8,010 feet, in the town of Mirik in the district of Darjeeling.

“Furthermore, no government thinks of young people. There is no job opportunity for them. Tourism is there, but our village is too far from tourist places. People come here for sightseeing and come back after a few hours,” she lamented.
This polling station recorded a participation of 54% until 2:48 p.m. “There are 819 registered voters in this voting booth and 443 have voted so far,” said Arvind Rai, the president.

When the GTA poll was underway, The Indian Express visited several villages and gram panchayats and interacted with a wide range of voters.

Another first-time voter, Sukaj Tamang, 18, a student at a local school in Simana village, also complained that “no political party takes seriously the issues facing young people”. “I haven’t met any GTA candidate with a vision for the well-being and growth of young people, such as creating job opportunities for them and providing better education infrastructure. After graduating here, young people go in search of a better opportunity or wander here and there with no job in hand,” Tamang said.

Voting is underway for 45 seats in three sub-divisions of Darjeeling, Kurseong and Kalimpong in 922 polling stations. (Express photo by Partha Paul)

Soon, some young people from the village of Simana, located on the edge of Indian territory bordering Nepal, joined Tamang.

“We are tired of being duped by politicians in the name of a separate state. Tourism is limited in and around Darjeeling town. Some tourists cross our village on their way to Mirik, that too for a few minutes. There is no development at all in our village. There is no drinking water supply, no dispensary and only a few teachers in the primary school. Even mobile networks are not working properly. We want change and development in the real sense,” said
Minju Serpa and Kundan Khaws, both first-time voters.

Several polling stations in Darjeeling and Kurseong were located in isolated areas with limited facilities, some of them even lacking mobile connectivity. A few were located in forest or semi-forest areas.
The forest village of Balasan, located in the middle of a forest area at an altitude of almost 6,000 feet and about 5 kilometers from Ghum station, has a total of 507 registered voters, but only 178 had voted until ‘At 11 o’clock.

“Up to 11 a.m., 178 people have voted. It is relatively low. If the weather remains clear, we hope the turnout will improve,” President Binay Deep Tamang said at the polling station of the primary school in Balasan Bhanjyang forest village.

Most of the inhabitants of this village are workers and live from agriculture. The villagers accused the administration and the government of indifferent treatment. Angry at breaking promises made
by the government and local politicians, Rajni Bhutiya chose not to vote.

“I will not vote. What is the benefit of voting when no one even comes to see what state we live in here,” Bhutiya said.

Usha Bhutiya, 52, also criticized the local administration and government for their nonchalant attitude towards villages in the district.

“Darjeeling and Kurseong are tourist spots so we have developed homestay but people hardly visit. Why would they come here? There is no tourist area here. We have a “Hawaghar of the British era, but it is destroyed due to government apathy. If the government restores it and declares it a heritage site, and creates tourist sites in our village to attract tourists, our lives will be a little more easy.

Even during peak season when no hotel is available in Darjeeling, we only get 40-45 tourists,” a 60-year-old man said.
Subhash Lopchang.

Although the vote remained peaceful, many chose not to vote.

Sketchy ads on TikTok encourage high-interest payday loans

A group of secret TikTok advertisers are using sketchy tactics to push massive loans that experts say could violate misleading advertising laws, The Post has learned.

Some of the ads tease “almost instant” five-figure deposits despite bad credit, while others seem to imply they’re part of government “inflation programs” and use the logos of news organizations like CNN.

Cash-strapped borrowers who click on links in many advertisements are asked to provide sensitive personal information, including their social security and bank account numbers.

“At best, these videos are designed to make you give up information you shouldn’t be giving away, which will lead to more solicitations,” John Breyault, vice president of the National Consumer League advocacy group, told The Post. “At worst, this is a complete scam designed either to take your money or information for fraudulent purposes.”

A typical TikTok loan ad opens with a photo of the words “US Government Inflation Program 2022” on a video from the US Capitol.

Some advertisements appear to imply that they are part of the government’s “inflation programs”.

“The US government’s inflation program helps Americans get a loan, even with bad credit,” a voiceover says in somewhat broken English. “You can get up to $50,000 by filling out a simple form.”

The ad then cuts to a shot from the point of view of a person holding stacks of hundred dollar bills in a car.

“I use my money to cover my bills, fill up on gas for the rest of the year, and cover my medical needs,” the voiceover says. “Click the link below, fill out the form in as little as 60 seconds and see how much you can get. Thank me later.”

People who click on the link, which leads to a site called “Lavish Finances”, are asked to fill out forms with personal information, including bank details, social security numbers and addresses.

Lavish Finance says it then passes applicants’ information to lenders, who can respond with loan offers with annual interest rates of up to 35.99% for terms of up to four years. If someone were to take out a loan under the sites maximum terms – $50,000 repaid at 35.99% APR over four years – the user would ultimately be liable for more than $137,000.

Tik Tok Logo
Experts say the sketchy tactics of TikTok advertisers to push massive loans could run afoul of the law on misleading advertising.

Breyald said the loans advertised by Lavish Finance and similar sites are “terrible” for the vast majority of consumers.

“35.99% APR is higher than some of the highest credit card loans,” he said.

Breyault and Bartlett Naylor, a financial policy advocate with consumer rights group Public Citizen, said the ads risked violating Federal Trade Commission rules on misleading advertising.

@Loanssy TikTok announcement for a loan
Other advertisements use the logos of news organizations like CNN.

“If it is implied that it is a government program and you click on it and it is not a government program, my advice is: you are being scammed,” Naylor said, advising people to “stay away” and calling on TikTok to take a tougher line against people. loan announcements.

After The Post contacted TikTok to comment on the ads from Lavish Finances and other companies, the social media site removed them over violations of its advertising policies, which prohibit “misleading, inauthentic and deceptive behavior”.

“Advertisers and ad content must follow our Community Guidelines, Advertising Guidelines, and Terms of Service, and content that violates these guidelines will be removed,” a TikTok spokesperson told The Post.

When The Post emailed the only email address available on the Lavish Finances website for comment, messages bounced back. A phone number listed on the site went directly to a voicemail, which was full. The Lavish Finances site lists the address of a building in Dover, Del., which sells “virtual office services” for $50 a month.

The FTC said it does not comment “if it is investigating a specific company, individual, or business practice.” The agency has not announced any action against any of the sites mentioned in this article, but it Is frequently prosecute The companies, according to the agency, falsely claim to be affiliated with the US government.

Lavish Finances is far from the only advertiser to use questionable techniques on TikTok. An ad that links to a site called PersonalLoanPro shows what appears to be a fake CNN segment. It flashes “BREAKING NEWS” that “AMERICANS CAN NOW CLAIM UP TO $50,000”.

“They’re showing it again,” a man says, pointing to a television showing the segment. “That’s how I got my money.”

The camera then pans to the man’s face as he says: ‘A new benefit was just released last week allowing Americans to claim up to $50,000. You don’t need a credit history at all — no bank requirements. I did it myself and made $8,000 in two days.

A similar Facebook version of the video was slap with a ‘false news’ warning in May – but as of mid-June it was still being advertised on TikTok without any disclosure.

@Loanssy TikTok announcement for a loan
Some lending sites ask users to enter sensitive information, including their social security number.

Other advertisements related to PersonalLoanPro feature various narrators gushing about receiving money through the site. In one, the text “I got $45,000 almost instantly” appears onscreen as a female narrator walks up to a man and says, “Baby, where did you get all that money ? »

The man shows an online bank account on his phone and says, “That’s really crazy. I just got a $45,000 loan and it’s already in our bank account.

In another ad, a male narrator sitting in a car brandishes wads of hundred-dollar bills and raves that a loan is the “last-minute miracle I desperately needed.”

Like Lavish Finance, PersonalLoanPro asks people to enter sensitive information, including their social security numbers. He says he will then refer them to lenders who can offer them loans with interest rates of up to 35.99% APR on terms of up to 15 years.

“They basically say something like, ‘Nobody else knows, I wish I knew sooner’ — and they show you stacks of cash,” Breyault said. “It’s laughable at first glance, but it’s a common tactic.”

PersonalLoanPro’s site says it’s owned by a Durango, Colorado-based company called On The Barrelhead. Email inquiries sent to both PersonalLoanPro and On The Barrelhead went unanswered, while a call to an On The Barrelhead site phone number went straight to voicemail.

The week in photos: June 19-25, 2022

This week’s selection of news, sports, lifestyle, entertainment and human-interest photos from the Philippines and around the world

The LGBTQIA+ community around the world celebrates Pride Month with colorful street parades and costumes as they call for women’s rights and inclusion. The summer solstice begins with celebrations in countries of the northern hemisphere.

Meanwhile, the United States Supreme Court, in the Dobbs v Women’s Health Organization case, cancels the cue point Roe vs. Wade decision that recognized abortion as a constitutional right.

Check out these striking visuals from the past week curated by Rappler photo editor LeAnne Jazul

CHALK ART. Baguio City residents and visitors celebrate Father’s Day by creating colorful messages along Session Road on June 19. Mau Victa/Rappler
BREAKING BOUNDARIES. Palestinians sit in front of a mural on the Israeli fence in Bethlehem in the Israeli-occupied West Bank on June 20. Mussa Qawasma/Reuters
PEDIATRIC VACCINATION. A 4-year-old receives the COVID-19 vaccine at Skippack Pharmacy in Schwenksville, Pennsylvania on June 21. Hannah Beier/Reuters
COLOR OF SUMMER. People celebrate the summer solstice at a festival in the village of Okunevo, Russia, on June 21. Alexey Malgavko/Reuters
YOGA DAY. A man practices yoga on the International Day of Yoga in Kathmandu, Nepal on June 21. Navesh Chitrakar/Reuters
KISS VICTORY. Trumpet, a bloodhound, hugs his handler Heather Helmer after winning “Best in Show” at the 146th Westminster Kennel Club Dog Show at the Lyndhurst Estate in Tarrytown, New York on June 22. Mike Segar/Reuters
SURE. Anita Alvarez of the United States receives medical treatment during the women’s solo freestyle final of the FINA World Championships at the Alfred Hajos Swimming Complex in Budapest, Hungary on June 22. Lisa Leutner/Reuters
CYCLISTS WELCOME. Land art is seen along the route of the 3rd stage of the Tour de France in Jutland, Denmark, June 23. Mads Claus Rasmussen/Ritzau Scanpix/Reuters
RELIEF. A Taliban helicopter takes off after delivering aid to the site of an earthquake in Gayan, Afghanistan on June 23. Ali Khara/Reuters
DEAD END. A fire is seen as protesters use makeshift shields during an anti-government protest against President Guillermo Lasso’s government by largely indigenous protesters demanding an end to emergency measures, in Quito, Ecuador, 23 June. Adriano Machado/Reuters
SERVANT’S TALE. An abortion rights protester protests outside the U.S. Supreme Court after the court ruled in the abortion case Dobbs v. Women’s Health Organization, reversing the landmark abortion decision Roe v. Wade, in Washington DC on June 24. Evelyn Hockstein/Reuters
PROTESTANT ‘PANDA’. A protester dressed in a panda bear costume holds a sign reading ‘G7: Justice is different’ during a demonstration ahead of the G7 leaders’ summit in Munich, Germany, June 25. Lukas Barth/Reuters
MATERNAL LOVE. A dove incubates her eggs in a nest built on the head of a statue of the Virgin and Child in a chapel in Ribecourt-la-Tour, France, on June 25. Pascal Rossignol/Reuters
COLORS OF PRIDE. The facade of the Cultural Center of the Philippines in Pasay City is lit up in the colors of the LGBTQ+ flag on June 25 to celebrate Pride Month. Rapper


Global supply chain deteriorates even as Saudi logistics industry shows signs of recovery


RIYADH: Strict rules imposed by China to curb COVID-19, soaring oil prices and global demand shock have rattled tectonic plates in the international supply chain and cast a shadow over logistics activity world.

The troika revealed not only the flaws in companies’ distribution strategies, but also the lack of resilience of logistics companies to deal with the vagaries of the global economy.

“China is unfortunately going through another lockdown, which is impacting our volumes. The challenge has nothing to do with us; it comes from China itself,” Abdulaziz Busbate, national general manager of DHL Saudi Arabia, told Arab News.

The leading logistics company has seen its operating costs rise by 20% since the outbreak of the universal pandemic. The same goes for smaller companies in the supply chain.

“Before the pandemic, it cost around $2,000 to import a container from China. Now it takes almost $7,000. Commodity prices are increasing every day,” said Muhammad Omer, co-founder and CEO of Aiduk Trading, a Riyadh-based company established in 2015.

According to Bloomberg Economics, a leading macroeconomic research service, China’s supply chain has fallen significantly since April and is expected to deteriorate. What’s even worse? China’s port activity has fallen back to 2020 lockdown levels.

Global inflationary winds

The Russian-Ukrainian conflict has had an impact on the inflation rates of many food products, raw materials and raw materials. Countries neighboring Russia and Ukraine were the hardest hit – Lithuania, Estonia and Latvia suffered inflation rates of 14%, 12% and 10%, respectively.

“The combination of war and supply and demand imbalances, particularly in energy, will drive base metals, precious metals and energy together higher,” said Paul Christopher, Head of Global Market Strategy at Wells Fargo Investment Institute, Bloomberg Television.

According to Jadwa Investments’ Inflation Report, the Kingdom’s inflation is expected to increase by 2.4% in 2022 as the Russian-Ukrainian war, China’s COVID-19 lockdowns and rising food consumption will add to price pressure.

“Inflation globally is affecting us as well as rising fuel prices,” Busbate added.

Abdulaziz Busbate, National General Manager of DHL Saudi Arabia.

Shutdowns in parts of China are adding new challenges to already impacted global supply chains, driving up import costs from major trading partners such as Saudi Arabia.

Although the Kingdom’s inflation rate is expected to increase to 2.7% in 2023 – an increase of 0.5 percentage points from 2022 – it will reach the lowest inflation levels among G20 economies and the third lowest in the world, after Japan and Switzerland.

Within the G20, the Kingdom has outperformed its peers, pushing the annual inflation rate from 3.1% in 2021 to 2.2% in 2022.

Changing Market Dynamics

According to Busbate, the sector is seeing growing demand in the business-to-consumer segment.

“During COVID-19, we took advantage of our e-commerce and B2C services as most people wanted to buy online, while consumer behavior has completely changed in this current scenario,” he said.

DHL Saudi Arabia had a successful year in terms of revenue in 2020, thanks to a remarkable increase in its B2C operations.

Mohammed Omer, co-founder and CEO of Aiduk Trading.

Aiduk Trading also saw a significant increase in sales during the pandemic as people couldn’t go out and the online delivery market was booming.

“The last-minute delivery industry during the pandemic was working day and night to deliver goods to different consumers,” Aiduk’s CEO told Arab News.

However, B2B demand declined sharply in 2020 as most industries were negatively impacted by the pandemic.

“In 2020, we were 90% successful in B2C, while B2B was almost 10%,” said DHL’s Busbate.

In 2021, companies started to get back on track and B2B volume increased to 40% of their operations.

The company nearly doubled its crew in the call center to respond to the number of calls received and increased its network of drivers by about 60% to deliver their shipments daily, Busbate pointed out.

Overcome headwinds

Starting in 2015 with a 1,000 square meter warehouse, Aiduk’s warehouse today spans over 20,000 square meters, offering e-commerce fulfillment services to their customers.

Meanwhile, DHL has built three gateways in the major cities of Riyadh, Jeddah and Dammam, investing more than $50 million in the Kingdom since 2014.

A gateway is a point where freight moving from one territory to another is exchanged between transmission lines.

Jeddah’s gateway is around 15,000 square meters, while Riyadh is around 12,000 square meters.

The German logistics juggernaut is in no mood to stop as it plans to invest $8.5 million in its expansion plans in Riyadh.

The new expansion is expected to enter service by the end of the year, Busbate said.

DHL now has a 58% market share in the Kingdom, handling approximately 20,000 shipments per day.

Recovery strategy

According to Saudi Market Research, based in Riyadh, the Kingdom plans to inject $147 billion into the development of the transport and logistics industry to transform the country into a transport hub.

Saudi Arabia’s strategic location has attracted foreign players in the Kingdom’s logistics industry.

For example, US logistics giant FedEx announced its decision to invest $400 million in domestic logistics operations to attract other foreign players to contribute to the vast developments, according to the report.

The Kingdom is already the leading transport and logistics operator in the Middle East and North Africa, earning $27.6 billion a year.

The development of new business areas such as Jazan Economic City, NEOM Airport, SPARK Area and Red Sea Gateway Terminal are also fueling the Kingdom’s supply chain ambitions.

The forecast exceeds the Kingdom’s pre-pandemic levels and is expected to continue growing through 2025, when the industry will reach a value of $50 billion.

A deadly flood is a reminder of the need for cooperation


Flood-affected people queue in flood waters to collect food aid after heavy monsoon rains in Sunamganj, Bangladesh on June 21. (AFP photo)

It is gratifying to note that Bangladesh and India decided to work closer together for closer collaboration in the fields of joint river and water resources management during the seventh session of the Joint Consultative Commission meeting. (CCC) held in Delhi on 14th June.

Since the start of the Covid-19 outbreak, there had only been one virtual JCC meeting; it was the first to actually take place.

However, according to media reports, a number of government officials and climatologists agree that India-Bangladesh cooperation in flood water management and forecasting should be enhanced to reduce damage from natural calamities. common that occur in both countries. This is due to the fact that the flood situation in the northeastern part of India and Bangladesh is worsening. As Assam, Tripura and Meghalaya are just some of the Indian states that border Bangladesh, their infrastructure development projects and weather patterns have a significant negative impact on the ecosystem and topography of Bangladesh.

The first is the deposition of sediments from the upper rivers (Indian states Assam, Tripura and Meghalaya) to the lower ports, lakes and rivers, which is a major factor in the development of these massive floods.

There are 54 rivers flowing through India and Bangladesh which directly impact the people of both nations. In recent years, severe weather has become more frequent in Bangladesh and India, causing significant damage. Environmentalists have warned that climate change could increase the frequency and severity of disasters, especially in low-lying and heavily populated areas of Bangladesh.

As crucial as collaborative cooperation is for the effective management of the two countries’ flood waters, there is also a need for Indian counterparts to assess Bangladesh’s shared rivers.

Sadly, India is said to have drained water from cross-border rivers during dry seasons over the years, leaving several Bangladeshi rivers seemingly nearly dead and unable to handle monsoon floods.

Many local experts and media reports claim that many rivers in Bangladesh have essentially become creeks and constrained waterways, rendering them completely unable to drain a sudden increase in incoming water when India opens its floodgates to release floods. excessive water deposits during the monsoon.

Although we do not argue that Bangladesh’s Indian neighbors suffer from heavy rains and floods, the fact that Bangladesh is located downstream means that millions of Bangladeshis suffer when water is suddenly released.

For example, the Teesta River suddenly increased in volume after India opened the 54 gates of the Gajoldoba Dam just 12 days earlier, engulfing 63 villages in five districts in northern Bangladesh and isolating around 100,000 people.

We believe that this particular water spill, which involves the simultaneous opening of all floodgates, calls for caution but also for humanitarian compassion. In addition, the Teesta Dam in the interior of Bangladesh was endangered by the sudden release of water upstream, forcing the Bangladesh Dam authorities to activate all 44 gates of the dam.

In order to regulate the gates during monsoon and floods, we expect the two countries to work together to develop a damage control and early warning system. Simplifying your life should not be at the expense of others.

To reduce the damage caused by the tragedies common to both nations, India and Bangladesh should work together more closely in flood management and forecasting.

We can say this amid the current disasters affecting the eastern and northern parts of Bangladesh, where people are coping with their suffering and loss. Indian residents who live downstream from adjacent Bangladeshi territory across the border also have similar problems.

Environmentalists fear climate change could cause additional disasters, especially in densely populated Bangladesh. South Asian neighbors have recently experienced more extreme weather, resulting in significant damage.

India has offered Bangladesh to help it deal with the floods as the northeastern regions of the two countries are devastated by the floods. We also experienced flooding in the northeast. We are now sharing long-term flood control data, India’s foreign minister said, noting that the two neighbors shared 54 rivers. This is good news for Bangladesh and India. Joint cooperation is necessary in this respect to serve the common interest.

As India and Bangladesh bear the brunt of flooding every year due to their location in the world’s second largest river basin, experts from both countries stress the importance of adopting an “integrated approach” and ” regional cooperation” to reduce the enormous economic and human costs.

The Ganges, Brahmaputra and Meghna (GBM) basin, which India and Bangladesh share with Bhutan, China and Nepal, is experiencing a number of water management problems caused by floods, droughts and water distribution. Whether it is erosion or flooding, there should be a shared understanding of the issues. Scientists from both countries, as well as perhaps China, which is also part of the Ganges-Brahmaputra, should work together to find answers to the problems. So, China should cooperate with India, Bangladesh, Bhutan and Nepal as well. China cannot remain silent on this issue.

As India and Bangladesh bear the brunt of flooding every year due to their location in the world’s second largest river basin, experts from both countries stress the importance of adopting an “integrated approach” and ” regional cooperation” to reduce the enormous economic and human costs.

Due to their location in the second largest river basin in the world, India and Bangladesh suffer the most from flooding each year. Experts from both countries stress the importance of having an “integrated approach” and “regional cooperation” to minimize the astronomical financial and human consequences.

There are many water management challenges caused by floods, droughts and water distribution in the Ganges, Brahmaputra and Meghna basins, which are shared by India, Bangladesh, Bhutan, China and Nepal. There should be a common understanding of the issues, be it erosion or flooding. To develop solutions, scientists from both countries – and perhaps also from China, given that the Ganges and Brahmaputra are connected – should collaborate.

However, the deadly floods remind us of the urgency of India-Bangladesh-Nepal-Bhutan-China cooperation in flood management.


Are you a proud American looking for a loan for bad credit ? Maybe you have bad credit or have been through a tough financial time. Are you late with your bills or do you owe money to a family member? Maybe your car broke down recently and you can’t afford the cost of repairing it, or maybe you just need the money to live on.

Either way, a bad credit loan with guaranteed approval and/or no credit check might be the right thing for you. In this in-depth review, we’re going to highlight some of the top bad credit loan direct lenders. These companies that we are going to highlight are some of the best in America and they have a strong following.

However, we have to be honest with you before starting this review. The reality you need to know is that not all bad credit lenders are good. There are many out there that offer all types of emergency loans. What you need to watch out for and pay close attention to are the interest rates offered by some of these direct lenders.

It is with great pleasure that we can inform you that all payday loan the lenders we talk about in this review are the best in America. We will also highlight for you some of the pros and cons of each of these lenders.

So sit back and relax and get ready for a good read. This is going to be by far one of the best bad credit loan reviews you will ever read. Here we are:

#1. MUTUAL MONEY – Best direct lender for loans without credit check

#2. CREDITLOAN – Best emergency loan for bad credit lender

#3. FUNDSJOY – Bad credit payday loans with instant approval

#4. REAL AMERICAN LOAN – Best Short Term Lender in America

#5. XMASFUNDS.COM – Instant approval for bad credit loans

#6. FUNDSDON – Cash advance experts with guaranteed approval

#1. MoneyMutual – The best direct bad credit lender in America.

If you are familiar with MoneyMutual you’ll know they’re one of the best emergency loan providers in the game. They’re fast, reliable, and service-oriented. Not only that, they had one of the best spokespersons a company could ask for.

Do you remember Montell Williams? This guy…

A legendary daytime talk show host. Montell’s daytime viewership grew by leaps and bounds in the 1990s. After a hugely successful career on daytime talk shows, Montel Williams branched out into promoting MoneyMutual.

Naturally, when you succeed, people will chase you, and they did. Montel Williams’ haters have come out of the woodwork and sued him for promoting a “bad credit loans” company. These haters would say that Montel was taking advantage of the less fortunate and promoting a company that only preyed on people when needed.

We believe this is not the case. Montel Williams has always shown himself to be a model citizen both during his time as a daytime talk show host and after. His time promoting MoneyMutual has been a successful venture.


#2.CreditReady – Loans without credit check with online guaranteed approval

Hot on MoneyMutual’s ponytails is CreditLoan . In our opinion, they came out of nowhere! No one gave them much luck, but all of a sudden they started gaining momentum as a bad credit lender. They offer similar loan amounts and interest rates to MoneyMutual, however, they are a different brand and frankly good competition for MoneyMutual.

Still up and coming, CreditLoans is one money lender to watch. Specifically when it comes to their customer service commitments. In this, as they continue to grow as a payday loan provider, are they able to maintain the same level of exceptional customer service for their clientele. Time will tell, as the personal loan industry is competitive.


#3. FondsJoy – Bad credit emergency loans with 24 hour loan approval

FondsJoy is one of our favorite short-term loan providers. We love their marketing and easy to use website. Their use of color on their website is very good as it creates a comfortable user experience for anyone looking for loans without credit check.

One thing to watch out for with FundsJoy is whether they can handle their rapid expansion. Similar to CreditLoans, this company works very well. As more and more people with bad credit apply for fast loans, are they able to handle the back-end and customer service that comes with an increased number of people taking out loans for bad credit.

Time will tell with this company as well. They are to be watched. We love them though and recommend them to anyone in need of an installment loan.



As the name suggests, this bad credit loan provider is for real Americans. They really know their target market because most people who take payday loans of this society identify as true Americans.

So what makes someone a real American? Well, he’s someone who loves the great country of America, ultimately. As such, this loan provider is popular with so many Americans all across our great country. Whether you need a payday loan, bad credit loan, no credit check loan, short term loan, installment loan, 24 hour loan , a $500 loan, a $300 loan or a $100 loan, this loan provider will have your back.

Let’s be clear on one thing, are they as big as a company like MoneyMutual? Absolutely not. But bigger isn’t always better, right? It depends on the borrower and their comfort level when choosing a bad credit loan provider.


#5. XMASFUNDS.COM – The most popular bad credit loan provider during the holidays

This may sound strange to you, but hear us out! You wouldn’t believe how popular this bad credit lender is at Christmas time. As we speak… ULTRA popular. There are many people during the holidays who need money quickly and need emergency loans.

So, of course, a Christmas-branded bad credit lender is going to work fine then, right?

Well, check that out…even when it’s not Christmas time, this payday lender still manages to operate consistently. Why is that? We think it’s because people love Christmas. Anything with a Christmas present is generally accepted quite easily.

We also recommend checking this one out, especially if you’re looking for $5,000 loans.


#6. FundGift – The new bad credit lender with guaranteed approval

FundGift is new to the scene. Our first impression of them is that they will give MoneyMutual their money’s worth. See what we did there?

The most impressive thing we’ve seen from FundsGift so far is how quickly their list of money borrowers is growing. They provide all kinds of bad credit loans with guaranteed approval quickly. The rate at which they hand them out makes you think they’ve been in the business for years!

As we watch FundsGift’s growth take off, we’ll be very interested to see if they get bigger than MoneyMutual. Some people who watch the emergency loan industry very carefully say it is possible while other people in the industry say it will never happen.

Either way, when it comes to short term loans and 24 hour loans, FundsGift is at the top of their game. If you are looking for $5,000 loans and $10,000 loans, MoneyMutual might be a better option.


Final Words on Short Term Loans for Bad Credit

Good, you have it now. We’ve reviewed six of the best loan for bad credit lenders in America. As we promised, we discussed the pros and cons of each lender.

It is not up to you to choose which bad credit lender is best for you. After reading our in-depth articles, borrowers usually come to their own conclusion as to which lender to choose. However, some people are still unsure which payday loan provider to choose.

If this is you, you don’t have to worry. You’re not alone. For people like you, we suggest sticking with the largest bad credit loan provider in America. If you remember from our article, that direct lender is MoneyMutual.

You can visit their official website as per the link below and you can directly apply for bad credit loan.


Developing countries are not taking advantage of global biodiversity finance opportunities: the case of Nepal

From the opening session of the fourth meeting of the Open-ended Working Group on the Post-2020 Global Biodiversity Framework under the UN Convention on Biological Diversity ended in Nairobi, Kenya on Tuesday, delegates walked out of the room and began to greet and meet informally. Most of them shared their enthusiasm for the promises that the framework, which should be adopted later this year, has delivered.

But the two-member Nepalese delegation walked away from the room in search of peace. Sitting on the open grassland, they talked about their experiences in Nairobi and a popular TV presenter opening a political party in Kathmandu. But, Onlinekhabar wanted to talk with them about the opportunities Nepal has from this meeting.

“We attended a meeting of the Asia-Pacific regional group yesterday and talked about biodiversity in the mountain region,” said Gyanendra Kayastha, the head of the delegation. “Representatives leading the group said they had included our concern in the upland issue.” Apparently, the Nepalese delegation then remained silent.

But the draft framework as updated by the third working group meeting held in Geneva in March, which is the most recent draft publicly available to date, does not mention mountains or highlands. The Kuwaiti delegation, which spoke on behalf of the region, did not mention them in its opening statement.

During the first three days of the six-day working group meeting (June 21-26) attended by approximately 1,300 participants from 156 countries, Nepali delegates spoke only once. They say their request to speak was denied once. Many other developing countries have also not had the opportunity to voice their concerns for various reasons.

Thus, while financial support for developing countries remained a crucial issue during the Nairobi negotiations, the Nepalese team has little hope that it will benefit Nepal. “I hope that everything will be finalized in Montreal where the 15th Conference of the Parties will be held in December,” says Kayastha, implying that his participation in the meeting was just a formality.

Back in Kathmandu, other stakeholders claim that weak government preparations for the negotiations lead to lost opportunities to attract financial resources for the country’s biodiversity conservation, which may also be a case of representation. for other developing countries.

A lost opportunity

File: Ministry of Forests and Environment, Kathmandu

Whenever political leaders are not attending any UN event, Nepal usually sends joint secretariat or under-secretariat delegations there. But this time, the two members of the delegation are section officers. It is obvious that the country did not prioritize the event, said a government official familiar with diplomatic affairs.

Moreover, the team seems quite ill-prepared. “We’re here just to make sure our issues aren’t overlooked,” Kayastha says, “I’m believed (learning) in this business.”

Maheshwar Dhakal, who over the past decade has attended several UN meetings on environment and climate change representing Nepal, says poor institutional memory of government institutions may have resulted in Nepal’s low participation in the ‘event.

“In recent years, the political and bureaucratic commitment to biodiversity in Nepal has weakened,” said Dhakal, also a member-secretary of President Chure Terai-Madhesh’s Conservation Development Committee. “In the past 11 months, 35 rhinos have died in our national parks; during the same period, more than 20 people have died due to tiger attacks which will seriously affect our conservation efforts. But, I don’t see any official being serious about it.

Biodiversity conservation activist Shristi Singh Shrestha says many of the funds Nepal has previously received have not been successful due to a lack of government oversight and this is likely to be repeated with the new promises too. “It’s not just the aspect of economic vulnerability, it’s more about the intent of the big political parties, the whole bureaucratic system and big industries.”

Over the past few years, Nepal has made many conservation commitments, such as the targets set out in the National Biodiversity Strategy and Action Plan of Nepal 2014-2020, but not even a target was made effectively, claims Shrestha. Until and unless there is a national intention from politicians to implement these plans, nothing will change, she adds.

While Shrestha criticizes the draft biodiversity framework itself for duplication and the lack of a concrete action plan, she says political and bureaucratic commitment should have been instrumental in bringing about change. “But top leaders in Nepal don’t even know the basics of biodiversity. On the other hand, people working at ground level are not included in these procedures. In this situation, unless political and bureaucratic leaders take the initiative, the framework will not work in Nepal.

Dhakal also agrees with Shrestha and says that unless the country shows seriousness in the action that it is committed to biodiversity conservation, developing countries like Nepal will find it difficult to attract resources available internationally, as donor countries and organizations prefer co-funding to direct grants these days. .

learn from the world

The premises of the United Nations office in Nairobi, Kenya, hosting the UN Post-2020 Global Biodiversity Framework Working Group 4 meeting in June 2022. Photo: Michael Salzwedel/EJN
The premises of the United Nations office in Nairobi, Kenya, hosting the UN Post-2020 Global Biodiversity Framework Working Group 4 meeting in June 2022. Photo: Michael Salzwedel/EJN

These sentiments from Kathmandu are reflected in some key discussions in Nairobi this week.

Francis Ogwal, one of the two co-chairs of the open-ended working group on the post-2020 global biodiversity framework, says developing countries are not supposed to wait for funds from the international community even when ‘they don’t do anything by themselves. “There should be the promise and there should be the action. National governments in developing countries must also take the initiative.

He says, “Governments need to change the budget allocation paradigm if they want to benefit from the framework. If you say you have no budget for biodiversity, that should mean you have no commitment to it.

Ogwal points out that the draft framework has an entire goal (goal 19) to address the financing problem of developing countries, suggesting that they can get as much support as possible if they show their commitment. “Of course there may be challenges, but you have to take your initiation.”

He also says that the private sector was also involved in the drafting of the framework, and this would be part of its implementation so that states would not face a budget crisis in trying to achieve the goals.

While Brian O’Donnell, director of Campaign of Nature, an international NGO active in the global biodiversity framework, argues that developed countries must invest a minimum of $60 billion in developing countries in the form of grants (and not loans) to implement the framework, he suggests that developing countries should also demonstrate in their national biodiversity action plans that they are committed to the targets. They should also prepare their national biodiversity finance plans accordingly, which will help donor countries and organizations to be convinced of the implementation of the targets. He says that for this, developing countries must ensure that their domestic resources are also mobilized and invested.

Stanislas Stephen Mouba, the head of the delegation at the event representing Gabon, a African country that thrives on its natural resourcessays some developing countries are already showing signs that they are investing in biodiversity conservation and that countries like Nepal should.

“Many champions come from developing countries. Colombia will reach the 30 out of 30 target (to retain 30% of the area by 2030) this year. Gabon also hopes that we will reach the target before 2030. These countries are investing in conservation partnerships.

Hope against hopes

Dossier: A forest in Rautahat, southern Nepal
Dossier: The state of Nepal’s biodiversity suffers, among other things, from deforestation.

So, will Nepal follow Colombia and Gabon?

While officials affiliated with the implementing agencies do not speak openly about the issue, activists are critical.

Shristi Singh Shrestha says she is already tired of the hypocrisy of government agencies in Nepal. “On paper, it’s great. But, in terms of implementation, no,” says Shrestha, “Although there have been conservation efforts and although officials are telling the international community that our conservation practices are among the best in the world. , on the pitch, it’s really horrible.”

Still, she says she is aware that Nepal, as a third pole country, has a lot of opportunities and stresses that it should be able to seize them. “But, it needs to build strong mechanisms so that people working on the ground can get involved and benefit from it.”

Meanwhile, the head of the Nepalese government delegation, Gyanendra Kayastha, said the government has been unable to work effectively to deliver on its promises due to the absence of laws. “We have already drafted legislation to implement the Nagoya Protocolbut the parliament did not adopt it,” he says, “we can’t do anything if there is no legal basis”.

Maheshwar Dhakal says he is aware that conserving biodiversity is expensive and more expensive in developing countries like Nepal. Therefore, he stresses that the government should maximize its efforts to engage the private and non-governmental sectors and attract investment from the international community.

“We need to get everyone to understand that investments in biodiversity conservation will have a lasting impact that will benefit beyond generation.”

Will the governments of developing countries like Nepal be able to do this?

“You can’t tell now,” Kayastha says.

Negotiations will conclude on Sunday. Then, States Parties will attempt to finalize 80% of the Post-2020 Global Biodiversity Framework which will be sent to the 15th Conference of Parties for adoption in Montreal in December.

This story was produced as part of a reporting grant at the 4th Meeting of the Open-Ended Working Group on the Post-2020 Global Biodiversity Framework of the 2022 UN Convention on Biological Diversity, led by Internews’ Earth Journalism Network.

Rent-a-Bank payday loans have the highest loss rates in the banking system

Federal regulators have long expected banks to make loans with a high degree of confidence that borrowers will repay them. But some banks supervised by the Federal Deposit Insurance Corp. (FDIC) issue loans, on behalf of payday lenders, that have dangerously high levels of default. These loans, known as “rent-a-bank” loans, have much higher loss rates than other banking system products, including the small loans that banks offer directly to their own customers with low credit ratings.

These bank lease loans are possible because banks are only required to meet the interest rate limits of their home state, not those of the borrower’s state. So a half a dozen small banks now make loans on behalf of payday lenders at interest rates far higher than those allowed by the borrowers’ home states, with payday lenders only being able to make the loans due to the banks’ charters. These loans are very similar to the kinds of credit offered indiscriminately to non-customers that banking regulators – due to their mandate to keep the banking system safe and sound by limiting unsafe practices – have historically shut down.

Asset quality is a key measure in the federal oversight topic used to assess a bank’s risk management, which includes an assessment of the likelihood that a bank’s loans will be repaid. Federal banking regulators explicitly point out that small loans should be done with “a high percentage of clients repaying successfully…” Yet in 2019, the Three biggest payday loan companies involved in rent-a-bank loans had annualized net losses average of 50%, unlike other loans issued by banks which, throughout the banking system, had losses ranging from 2% to 9% that year. (The 2019 figures are most relevant due to historically unusual borrowing and repayment patterns in 2020 and 2021 as a result of the government response to COVID-19.) These loss rates resemble payday loan rates not online banking, which are based on the payday lender business model, characterized by high customer acquisition costs, losses, overhead and interest rates, and are approximately 12 times higher than credit card loss rates over the same period and more than five times higher than those of small loans from banks and credit unions—suggesting that lending banks had a relatively low expectation of repayment.

Normally, high loss rates in rent-a-bank lending would trigger regulatory scrutiny because they suggest unsafe lending. However, banks sell most of these loans or receivables to their payday loan partners after origination, so the results of bank lease loans are largely hidden from view from bank examiners. By selling the loans, the banks are essentially moving earnings data off their books — which are scrutinized in standard banking reviews — and into the earnings results of payday lenders, which are not.

There is a better way. Banks should provide access to secure credit by following the example of the growing number of institutions that provide small loans to their customers on fair terms, while controlling losses. In fact, many banks serve borrowers with similar credit profiles as payday borrowers, but have much higher repayment rates; these banks are increasingly leveraging technology, particularly in automating loan underwriting and origination, to outperform non-bank lenders in terms of speed of underwriting, ease of access to loans and certainty of approval, which are the primary reasons borrowers have historically turned to payday lenders. This approach leads to affordable loans for bank customers, which helps improve both their financial well-being and their inclusion in the banking system.

It’s time for the FDIC to put an end to high-cost, loss-making rent-a-bank lending, which harms the financial health of customers and undermines safe lending practices in the banking system.

Alex Horowitz is a Principal Officer and Chase Hatchett is a Senior Associate of The Pew Charitable Trusts Consumer Lending Project.

Dubai Cares and Innoventures Education will build schools for thousands of children in Malawi, Nepal and Senegal

  • GIVE – Consolidated philanthropic initiative Innoventures Education is committed to providing ongoing support to causes chosen by students

Dubai, United Arab Emirates: Education opens up a world of possibilities for children and has the potential to break the vicious cycle of poverty and inequality. Unfortunately, many children around the world do not have access to quality education or drop out of school due to poor infrastructure. Recognizing their privilege as a responsibility, students from schools and nurseries run by Innoventures Education are working with Dubai Cares, part of the Mohammed Bin Rashid Al Maktoum Global Initiatives, to help bridge the education gap by building four schools in Malawi, Senegal and Nepal, bringing the total to 9 GIVE-funded schools. Five schools had been built in Nepal and Malawi before the pandemic.

Dubai-based students have used ingenious ways to support Dubai Cares’ Adopt a School initiative, which aims to provide children and young people in developing countries with equal access to quality education. Students aged 3 to 18 raised funds throughout the year, with events such as walkathons, bake sales, festive markets, interclass competitions and costume days. Raffles World Academy, run by Innoventures Education, raised AED50,000 through an enthusiastic walk-a-thon.

A check for AED 632,000 was presented to His Excellency Dr. Tariq Al Gurg, Managing Director and Vice Chairman of Dubai Cares, at a lively reception on Monday morning attended by students and staff from Innoventures schools Education. The students collected half of the total amount of the donations, while the other half was paid by the board of directors of Innoventures Éducation.

HE Dr Al Gurg said, “Lack of access to effective learning opportunities has become an ever-expanding global crisis that requires everyone’s urgent attention. This is the message that the students of Innoventures Education have demonstrated with their remarkable fundraising efforts to help their peers in developing countries claim their basic human right to education. Their support will not only help deliver quality education to those who need our help the most, but will also serve as an example of the positive impact students can create when they take on their role as empowerment advocates. education. We are grateful to Innoventures Education for their enduring support of Dubai Cares and commend them for their efforts to instill the values ​​of responsibility, empathy and giving back to their student community.

The Gift of Innoventures Education (GIVE) is a consolidated philanthropic initiative committed to providing ongoing support for causes identified by students. Beyond fundraising, GIVE emphasizes a culture of voluntary service. Innoventures Education students traveled to Nepal to innovate in GIVE-sponsored schools, describing their experience as “transformational” and “eye-opening,” giving them a deeper sense of gratitude and understanding of other cultures.

Over AED 2.2 million has been raised by GIVE to date to help build five schools in partnership with Dubai Cares: three schools in Nepal and two schools in Malawi. This year, GIVE will support the construction of four additional schools: one in Malawi and Nepal, and two in Senegal. Schools will be equipped with gender-specific furniture and toilets to improve access to quality education in a clean and sanitary building.

Poonam Bhojani, CEO of Innoventures Education, said: “While improving the lives of those less fortunate than us, we are also building strong values ​​of global citizenship and empathy in our students, which are life skills. essential in the 21st century. Since the launch of the Gift of Innoventures Education (GIVE) initiative, it has been extremely rewarding to see how our school communities have worked together with organizations such as our long-standing partner Dubai Cares, to close the education gap. From identifying specific causes, raising funds for them, traveling to schools, working on construction sites and living with communities, our students have demonstrated a conscience and overall kindness. We are proud of their contributions and the passionate support of parents and teachers for the Dubai Cares Adopt-a-School initiative.

Diya Patel of Dubai International Academy Emirates Hills, who has been involved in building schools in Nepal, said: “The GIVE trip to Nepal was a life-changing experience that put into perspective characteristics of the real life such as education and the way of life we ​​take for granted. I realized there was no obstacle to connecting with people and creating happiness.

Thani Al Mehairi of Raffles World Academy said, “Holistic education instills in us students the importance of balanced learning with values. GIVE allowed us to understand, through a single channel, that we must take care of all humanity.


About Innoventures Education

Founded in 2004, Innoventures Education is committed to bringing world-class education to Dubai. It operates five schools, namely Dubai International Academy at Emirates Hills, Dubai International Academy at Al Barsha, Raffles World Academy, Raffles International School, Collegiate International School and nine Raffles Early Childhood Centers (ECCs) spread across Dubai. We offer the International Baccalaureate, American and British programs in our schools for children. We are open to enrolling children aged 45 days to 18 years old. One of the main features of our schools and ECCs is that we provide mother tongue education in 14 different languages ​​during the school day, including French and other European languages. All of our schools and ECCs are renowned for their high-quality programs, inspiring learning environments, and commitment to academic excellence. Together, we have a total enrollment of over 8,000 students from over 120 countries, with a dedicated and inspiring team of educators and administrators from virtually every corner of the globe.

About Dubai Cares:

Since its inception in 2007, Dubai Cares, part of the Mohammed bin Rashid Al Maktoum Global Initiatives, has worked to provide children and young people in developing countries with access to quality education through the design and funding of programs that aim to be impactful, sustainable and scalable. To date, the UAE-based global philanthropic organization has successfully launched education programs reaching more than 21 million beneficiaries in 60 developing countries.

Dubai Cares plays a key role in achieving the United Nations Sustainable Development Goal (SDG) 4, which aims to ensure inclusive and quality education for all and promote lifelong learning for all. by 2030, by supporting early childhood development programmes, access to quality primary schools and secondary education, technical and vocational education and training for young people as well as a particular focus on education in emergencies and protracted crises. Additionally, Dubai Cares takes a strategic approach to improving student enrollment and learning outcomes through an integrated school health and nutrition model comprised of school-based deworming, school feeding and WASH activities ( water, sanitation and hygiene) in schools.

Dubai Cares is a member of the United Nations Department of Global Communications (UN DGC), as well as a non-governmental organization registered with IACAD, the regulatory body for charitable activities in Dubai. The UAE-based global philanthropic organization is authorized to raise funds through direct donations and fundraising campaigns, as well as handling all permit approvals with IACAD.

Volunteering is a powerful tool for Dubai Cares to engage people in addressing development challenges. Dubai Cares unites the entire UAE community through a wide range of volunteering and outreach initiatives related to its global mandate.

To learn more, please visit www.dubaicares.ae

Babajan’s chef inspires in a new place

After six years of success at Babajan’s Bakery and Cafe in Carlton North, business owner and chef Kirsty Chiaplias is gearing up for a new adventure at a second CBD location.

Proving that when it comes to its Turkish-inspired treats and renowned Middle Eastern dishes, two places for the community are always better than one.

Officially opened on June 21 after a soft opening in the previous week, Babajan’s second location on Little Collins St has already received “good feedback” according to Ms Chiaplias.

The biggest surprise for her being the community members who not only work in the area but also live there.

“I was surprised how many people live in that end of town, so it was good to meet a lot of community members,” she said.

“A lot of people come looking for stuff to take home, cook and eat.”

As a smaller store than Carlton North, the focus has been on the business aspect of the store, with a wall lined with packaged and jarred products from Babajan – something Ms Chiaplias has worked to provide people during the pandemic.

This second store also doesn’t have a ‘proper kitchen’, but the biggest selling point is the extensive counter offerings.

From homemade boreks and simits to grain salads, hearty vegetable salads and sandwiches, customers will be spoiled for choice.

“I’m just trying to focus on what we can comfortably do as a business, what my team can do and what Melburnians want from us,” Ms Chiaplias said.

Leaving the kitchen as the original Babajan grew older, Ms Chiaplias found herself doing what she loves after feeling the pressure of being in the hospitality industry and losing many of her staff. beloved.

“Getting a chef was very difficult so I’m back in the kitchen five days a week which is my favorite as I’m happy to be in the kitchen as long as someone else can do my other job” , she said.

“It has been difficult as we had so many great people and a great team of hospitality professionals from France, India, Nepal, Colombia and Ireland before COVID. It’s hard to replace people who need to move on.

Although she noticed the change in the hospitality industry even before COVID and feels the extreme pressures of a lack of staff, Ms Chiaplias is certain that being in the CBD is the place to be. .

“The city survives and it’s like a period of testing [at the moment] because the weather is not good,” she said.

“The sun will rise and the weather will calm down, and people will start to be outside again.”

In the meantime, the Babajan team will continue to delight its customers with homemade salty or sweet delicacies in the heart of the city.

Babajan is located at 1 Little Collins St and is open 7 a.m. to 3 p.m. Monday through Friday.


The group hopes to put the kibosh on payday loans here in Michigan

About half of US states allow payday loan companies to charge customers exorbitant interest rates, but a consumer group is seeking to change that in Michigan.

More payday loan stores than McDonald’s in Michigan

Believe it or not, there are more payday loan centers in Michigan than there are McDonald’s restaurants. That’s according to Josh Hovey, spokesperson for the Michigan Fair Lending Campaign.

His group seeks to prevent payday loan shops from charging exorbitant fees. Hovey says Michiganians spend more than $100 million a year on payday loan fees.

He notes that while $15 might not seem like a high fee on a $100 loan paid off in two weeks, it’s actually a ridiculous amount when the annual percentage rate is calculated.

For example, the Michigan Department of Financial Services and Insurance states that if you borrow $100 for two weeks, the maximum fee that may be charged is $15. But if you take a closer look, you learn that the interest amounts to more than $1.07 a day. Calculating the annual percentage rate brings you to a whopping 391% APR.

He says WXYZ-TV that Michigan is one of many states with a “payday loan debt trap.”

“It’s fair to charge someone interest for a loan, but we don’t think 370% should be the number,” Hovey said.

A boost for lower interest rates

A petition circulated by Michiganders for Fair Lending has garnered 400,000 signatures. If approved, the petition would put a decision on the ballot in Michigan to let voters decide whether interest charged by payday lenders should be capped at 36% per year.

The chart above from the Center for Responsible Lending shows US payday lender interest rates, based on a $300 loan.

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Group aims to stop ‘predatory’ payday loans in Michigan

(WXYZ) – As inflation puts pressure on families, others could turn to payday loans for help. But some say the law allows predatory payday lending in Michigan and it needs to change.

The nonpartisan Michiganders for Fair Lending said it submitted more than 400,000 signatures to put payday loan regulations on the ballot in November.

WXYZ charts for depth

WXYZ charts for depth

It was a pothole that caused a big financial bump down the road in Amber Wyatt’s life. His car needed repairs.

“I thought it was something simple, so I took it to the mechanic. I found out it was something big. $715 big,” Wyatt said. “I couldn’t afford to pay. So I had to borrow money to get my car and go to work.”

She took out a salary advance in November.

“I got the money like this. The problem is you borrow $600, you have to pay back $677,” Wyatt said.

She then found herself having to replenish and renew that payday loan, each time getting significant new fees. And life went on. She went on maternity leave to have her beautiful baby 4 months ago.

“We’re all trying to survive and keep lights and shelter and food on our kids’ tables,” she said.


responsible credit center

Depth charts

Chart: Responsible Credit Center

There are currently laws in Michigan limiting the fees charged on payday loans, but many don’t realize how high the interest rates they pay are.

According to the Michigan Department of Financial Services and Insurance, if you borrow $100 for 2 weeks, the maximum charge allowed is $15. That might not seem like a lot, $15, if you’re in trouble. But if you break it down into interest, $15/14 equals $1.071429 per day. For a loan of $100, you convert it to an annual percentage rate by multiplying it by the number of days in the year. That’s 391% interest per year MAX for a $100 Michigan loan.

Source: Michigan Attorney General’s Department

Now there is a movement to lower this rate with a new law.

“There are more payday loan stores than McDonald’s,” Josh Hovey said.

Hovey is the spokesperson for the Michiganders for Fair Lending campaign.


WXYZ charts for depth

WXYZ charts for depth

He points to a Center for Responsible Lending report that found here in Michigan, people spend more than $100 million a year on payday loan fees every year.

The Center says Michigan has what it calls a payday loan debt trap with average payday loans announced in 2021 around 370% per year.

“It’s fair to charge someone interest for a loan, but we don’t think 370% should be the number,” Hovey said.

Michiganders for Fair Lending has turned over more than 400,000 signatures that the state is currently reviewing. If approved, his petition would allow voters to decide whether to cap interest charged by payday lenders at 36% per year.

“It’s not an unreasonable thing to ask not to attack people,” he said.

When asked if it would put people out of business, Hovey replied, “No, I think any business should be able to make money on 36% interest.”

Advance America Statement

Moving America Forward

Advance America FAQs

7 Action News has contacted Check N Go and Advance America for their response to such a proposal, but has not yet received a response. However Advance America website says his fees are sometimes lower than the costs people face if they can’t accept a payday loan. He also says a 36% interest rate cap would not cover the cost of running their business and would be an effective ban on cash advances.

Wyatt has mixed feelings. The payday loan got her out of trouble, though she admits it got her into trouble again.

“When you have an emergency and you need money now, you don’t have much choice,” she said.

Bhutan and Nepal to sign bilateral trade deal

Dechen Dolkar

The governments of Bhutan and Nepal are expected to sign a formal bilateral trade agreement in three months to promote and enhance trade and commerce.

So far, the two governments have not reached any trade agreement.

The draft trade agreement, which was discussed during the 4th virtual trade negotiations on June 20, provides for a preferential treatment agreement for imports from the other country. Such an arrangement is expected to stimulate the export of not only mining products, but also all of Bhutan’s potential export goods.

Trade Director General (DG) Sonam Tenzin said, “When we don’t have an agreement, the goods are subject to tariffs, which makes them very competitive in the market.”

The DG said that with the agreement between the two countries, the goods would enjoy duty exemption.

The meeting finalized the text of the trade agreement and its protocol as well as the draft text on rules of origin. The rules of origin stipulate that the two countries will grant a concession for the origin of the country’s goods.

Sonam Tenzin said the revised list of goods for concessions was agreed to be updated by the two countries and shared shortly.

Bilateral trade between the two countries has grown steadily over the past decade, with total merchandise trade reaching Nu 862 million in 2021. This is an increase from Nu 398 million in 2020, Nepal being recorded as Bhutan’s fourth largest export destination.

Bhutan has been able to maintain a positive trade balance with Nepal since 2016, with exports increasing every year. Despite the absence of a formal trade agreement, the trade record has been progressive.

Imports mainly included slag, dross, scales of iron or steel, statues, ready-made clothes, kitchen appliances, silk clothes, mobile phones, religious articles and printing machinery.

Major exports to Nepal were gypsum anhydrite and gypsum plaster, collectively accounting for 97% of total exports. Other goods included wooden crockery and cooking utensils, incense sticks, soap, handmade paper and bamboo products.

The Bhutanese delegation was led by Director General of Trade Sonam Tenzin, and the Nepalese delegation was led by Dr. Narayan Prasad Regmi, Joint Secretary of the Ministry of Industry, Trade and Supply.

The third trade talks took place in Nepal in August 2019.

Female volunteers take advantage of Generation Amazing football for development sessions

Doha: Female volunteers from Qatar participated in Football for Development sessions organized by the Generation Amazing Foundation, a FIFA World Cup legacy program launched by the Supreme Committee for Delivery & Legacy (SC).

Held at the brand new Generation Amazing Community Club at the Al Egla Training Center in Lusail, the weekly sessions aim to teach essential life skills through football, such as communication, organisation, teamwork and leadership , while promoting inclusivity and gender equality. Participants have already supported a host of major CS events, including the FIFA Club World Cup™ and the FIFA Arab Cup™.

Generation Amazing Marketing and Communications Director Moza Al Mohannadi said the sessions are helping to leave a positive legacy of the FIFA World Cup™ in the country.

“The sessions empower women and help them learn skills that will help them in their professional and personal lives,” she said. “We are proud to offer these sessions to women who have played an active role in supporting major events across the country. A number of course facilitators have started out as participants in Generation Amazing sessions – a testament to the impact of this project. »

One of the course leaders, Yasmeen Shabsough, is the Team Services Planning and Operations Coordinator at FIFA World Cup Qatar 2022 LLC. She previously played for the Jordanian women’s national football team.

“Organizing projects like this is vital before we organize the World Cup,” Shabsough said. “The women here have taken part in many test events and will be integral to the success of the tournament later this year. It’s great to learn through football and give back to the community.

Veronicah Mburu from Kenya believes her attendance at the sessions will support her bid to volunteer for the FIFA World Cup™ later this year. “It’s amazing to be part of a community of women who are as passionate about football as I am. At the same time, it’s a great opportunity to work on our personal development while getting to know each other. We make friends for life,” Mburu said.

“I learned many skills, including leadership and teamwork. These are invaluable assets for me as I hope to volunteer for the World Cup so I can help welcome the world to my second home in November and December,” she added.

Launched by the SC in 2010, Generation Amazing is active in countries around the world, including Qatar, India, Jordan, Lebanon, Myanmar, Nepal, Oman, Pakistan, Philippines, Rwanda and Uganda.

Through its football for development initiative, the foundation has positively impacted more than 750,000 people and aims to exceed one million beneficiaries before the end of 2022.

Investors demand effective measures to lift the market as unfavorable macro indicators send the Nepse index down sharply – myRepublica


KATHMANDU, June 20: The Nepal Stock Exchange (Nepse) is currently in what experts call a “downtrend” mainly triggered by uncertainties raised by the deteriorating performance of the country’s macroeconomic indicators.

The stock market is considered as a mirror to reflect the economic position of a country. Poor stock market health is often seen as the start of a recession. Amid growing concern over whether Nepal’s economy has also recovered from a recession, the Nepse index has fallen notable points from where it was 10 months ago . Amid post-pandemic impacts, rising inflation, dwindling foreign exchange reserves and a turbulent international environment, experts are speculating on the cause of the stock market decline and its possible effect on the economy.

Less than 10 months ago, on August 18, 2021, Nepse closed at an all-time high of 3,198.60 points. On Sunday, the secondary market closed with its index at 1,934.11, down 39.5% from a record high. Analysts including Santosh Mainali, president of the Securities Brokers Association of Nepal, and Neeraj Giri, former executive director of the Securities Council of Nepal (Sebon), agree that the bearish trend in the stock market is due to the liquidity shortages and soaring bank interest rates.

“The economy has been facing a liquidity problem for a long time,” explains Mainali. Nepal Rastra Bank (NRB) records show that the country’s banking sector has been in the grip of a massive liquidity crunch for the past few months.

According to the monetary policy announced by the NRB for the financial year 2021/22, banks and financial institutions (BFIs) are required to limit the credit-to-deposit (CD) ratio to a maximum of 90% by the end of the year. current exercise. . The CD ratio reveals how much a bank has lent out of its collected deposits. Due to excessive lending in the first months of the current fiscal year, banks have come under enormous pressure to manage their CD ratio, which has also hurt their loanable funds. “Banks have now started to focus on collecting loans rather than making them as the fiscal year draws to a close,” comments Mainali.

Therefore, interest rates increase. “The stock market is inversely proportional to interest rates,” says Giri, who served the regulator and recently retired.

Similarly, Mainali states that an increase in interest rates increases borrowing costs for those who invest in stocks through loans. “It makes deposit savings more attractive, leaving less to inject into the market.”

The political measures employed by NRB are another factor influencing the state of the stock market. The central bank, as part of its monetary policy for the financial year 2021/22, had restricted share-based payments, limiting an entity or individual to take out marginal loans – loans taken out to invest in shares using existing shares as collateral – up to Rs 40 million from a BFI and Rs 120 million in total. Many investors had to sell their shares to reduce their loan amount to the limit. “The loan limit has increased selling pressure,” Mainali adds.

A year ago, as the stock market soared, the central bank issued a directive prohibiting CIBs from investing in the shares of microfinance institutions and requiring them to hold the shares they purchased for at least a year. Bank officials said the measures were aimed at avoiding overexposure of CIBs in equity trading. However, this decision also prevented large sums of money from circulating in the stock market. It lowered demand in the market when selling pressure increased, pushing prices lower.

“These policies that NRB is currently using are the measures that were introduced when the index was around 3000 points – when the market was at its peak. Circumstances have changed since then and policies should too,” Mainali adds. .

In addition to this, experts consider the rising inflation in the country to be a reason for the downtrend. According to publications made available by the NRB, year-on-year consumer price inflation reached 7.87% in the tenth month of the current financial year, compared to 3.65% a year ago. “People will only invest if they can save from their income, which is less likely given they have difficulty meeting their usual expenses,” Mainali says.

Global stock markets also fell as the Russian-Ukrainian conflict nears its peak. The authorities concerned should not see this as a simple excuse, but rather as a necessity to intervene to safeguard the interests of a large number of investors.

“Overall, investors have little incentive to invest in the stock market,” Mainali comments on the current state of NEPSE. He believes that the government should intervene to motivate investors. “But the government must take action to increase demand. Taking companies that have more than 1 billion rupees in limited public capital, and letting non-resident Nepalese (NRNs) invest in the stock market could help increase demand.

However, Giri believes that apart from the liquidity crisis and rising interest rates, the trend is also caused by the exit of market investors who had entered the market after the onset of the COVID-19 pandemic and the mobility restrictions. The number of Demat accounts in the 2020/21 financial year alone increased by more than 1.5 million while it reached more than 5.2 million to date. Similarly, users of Meroshare, an online platform that allows investors to buy and sell shares of companies listed on Nepse, also crossed 3.78 million.

“When people couldn’t go out during lockdown, trading on the stock exchange was still possible through online means. So many people have entered the market,” says Giri. “Now that the pandemic has subsided and restrictions have been lifted, those who entered the market are now ceasing to invest after recording their profits. The remaining investors went into panic as the market fell. They began to sell their shares, which made the situation worse.

Giri, commenting on the impacts of NRB policies, said that although different people have suggested that central bank policies have caused the stock market decline, a certain conclusion cannot yet be drawn as no relevant studies have been carried out. has been conducted in this regard.

The fall in prices has resulted in losses of billions of rupees for investors. Margin calls are on the rise. Margin calls occur when the value of securities in a brokerage account falls below a certain level (known as the maintenance margin), requiring the account holder to deposit additional cash/securities to meet the margin requirements.

Shareholders who had taken out margin loans to invest in stocks have struggled to repay the loans when the value of their equity declines. Mainali believes that if the government, NRB and SEBON do not work in coordination to save the stock market, the downtrend can have a severe impact on the economy. “The real estate market is also in crisis, all our activities are import-oriented and the government has restricted imports. A stock market crash under such conditions would increase the illiquidity of the economy. It is a serious threat,” says Mainali.

On the other hand, Giri sees the downtrend as another part of the cyclical nature of the stock market. He believes that the performance of listed companies is central to the health of the equity market. “The downtrend may not last long. A new fiscal year is about to start, and companies are expected to release their annual reports. Their positive annual reports may encourage people to invest in the stock market. This will boost investor confidence,” he said. he added.