District Minority Officer Day-13 Notes

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This is the Day -13 Study material for 40 Day Plan for DMO exam preparation. The tests of each day will be posted every day at 8 pm and solution will be posted within 12 hours.

Karnataka Minority Development Corporation

Land Purchase Scheme

Overview

Under this scheme, the Corporation will purchase the agricultural land, and this will be given to the poor landless minority farmers in the rural areas. 2 acres of Dry Land or 1 acre of wet land will be distributed to each beneficiary. The Government has recently issued an order revising the rate of land as double the guidance value which is limited to ₹.2.50 lakhs including the Registration expenses since the cost of land has increased to implement the scheme successfully. The cost of land will be treated as 50% loan and 50% subsidy to the beneficiaries. The loan has to be repaid in 10 years in ½ yearly instalments @ 6% interest per annum. The Corporation is allocating the physical and financial target based on allocation made in the budget and population. The District Managers of the concerned District invites the application through newspapers. The received application will be scrutinized and the same will be placed before the district committee headed by Deputy Commissioner of the concerned district who is the chairman of the committee. The committee will select the beneficiary.

Micro Loan with Subsidy Scheme

Overview

This Scheme is implemented through self-help groups. The group so formed should have 10 to 20 members. The group should have aim to involve its members in any of the lucrative business activity. The members after forming a self-help group should select two of its members as group leader 1 and 2. They should open a bank account in the name of the self-help group with the authorized signatory as group leaders 1 & 2. The group should consist of only religious minority persons. Priority in this scheme will be given to the Women Self-help groups. The Minority communities’ persons residing in city areas and rural areas who wish to start petty business like vegetable/fruit vending through push carts, kallai making, bed making, pan shop, groundnut selling, cycle repairing, gas/arc welding, vulcanizing, fish selling, tea shop etc., will be provided loan of Rs.10,000 to each members. The loan will be sanctioned directly to the Self-help group which in turn will further disbursed the loan to its members with a subsidy of ₹ 5,000.

The loan has to be repaid in 36 monthly instalments @ 5% rate of interest p.a.

Karnataka Christian Development Parishath

Overview

During 2011-12, Karnataka Christian Development Parishath was establised on 5.11.2011 for over all development of Christian Community. The Budget allocation will be made to Directorate of Minorities, by the Government. Out of this, 40% has been provided to KMDC for implementing the on-going schemes of the Corporation viz, Arivu Education loan, Shramashakti, Micro loan with subsidy and Site Purchase/ Home Loan Interest subsidy Scheme for housing loans, as per the existing guidelines for the development of the Christian community.

Site Purchase and Interest Subsidy on Housing Loan Scheme

Overview

Under the Scheme such of the minority community who has taken loan for the purpose of construction of House, from the Banks / Financial Institutions an interest subsidy upto ₹.1.00 Lakh will be reimbursed. Also those of the minority community who are economical poor and desirous of obtaining loan to purchase a site, a loan upto ₹.5.00 lakhs will be given.

National Minorities Development and Finance Corporation Loan Scheme

Overview

The National Minorities Development & Finance Corporation, Delhi, is implementing its scheme through State Channelizing Agency viz., Karnataka Minorities Development Corporation in Karnataka. Some of the enhancements in the schemes are as under.

• Term Loan scheme for Business, Services and Transport sector.
• Under Micro Finance Scheme, enhancement of loan component from ₹.25,000/- to ₹.50,000/- to each member of SHG
• Under Educational Loan Scheme, Short Term Loan upto a maximum of ₹.3 Lakhs for high skill development programme of 01 year duration.
• Loan upto a maximum of ₹.10 lakhs for Professional Courses of maximum 05 years duration.
• Loan upto ₹.20 Lakhs to the student pursuing studies for 05 years in abroad.
• Vocational training programme for unemployed minority youth. Marketing assistance scheme.
• Revised income limit for implementation of NMDFC Scheme enhancement from ₹.40,000/- to ₹.81,000/- in rural areas and from ₹.55,000/- to ₹.1.03 Lakhs in urban areas
• Enhancement of Monthly Training fee from ₹.1,000/- to ₹.2,000/- for vocational training courses. Enhancement of Stipend from ₹.500/- to ₹.1,000/-.

Term Loan Scheme

A loan for business activity with the project cost from. 50,000 to ₹.10,00,000/- will be considered in the scheme. The Corporation releases the loan with 90% of the project cost from NMDFC share, 05% of the project cost is met from KMDC Share and balance 05% of the project cost has to be borne by the beneficiary. 6% interest per annum is being charged by the Corporation for the loan released. The Corporation also consider sanctioning loan for the Transport Sector also by helping the beneficiaries to acquire Transport Vehicles.

The loan has to be repaid @ 6% interest p.a. in 36/60 monthly instalments.

Micro Finance

The Corporation also provide Micro Finance scheme under NMDFC sponsored Schemes on the same lines as that of the State Micro Scheme except that no subsidy is provided in the NMDFC sponsored scheme. This loan is also provided to the beneficiaries who have enrolled themselves in the registered societies and associations whose main motto is service and running on a sound footing with thrift.

The loan has to be repaid @ 6% interest p.a. in 36 monthly instalments.

Educational Loan Scheme

A loan upto ₹.3 lakh for short term high skill development course, upto ₹.10 lakhs for professional and job oriented degree courses in India with a maximum duration of 5 years @ ₹.2 lakh per annum, upto ₹.6 lakhs for professional post graduate courses with a maximum duration of 3 years @ ₹.2 lakh per annum and upto ₹.20 lakhs for courses abroad with a maximum duration of 5 years @ ₹.4 lakh per annum are considered in the scheme @ 3% p.a interest repayable in 5 years with means of financing as 90% from NMDFC 5% from KMDC and 5% from beneficiary.

Training Schemes of NMDFC

Under vocational training scheme of NMDFC following training will be given to unemployed minority youths through governments recognised training institutions to enable them to become self-employed or to seek better employment opportunities.

Note: Training shown at Sr.no. 4 & 5, will be given under Mahaila Samridhi yojane.

Karnataka Wakf Board.

About Karnataka State Board of Wakf:

The Karnataka State Board of Wakfs is a statutory body constituted under the Wakf Act 1995 which is a Central Act. About 27,000 Wakfs are registered with the Board. These include Mosques and the rest are Dargahs, Idgahs, Khabrastans (burial grounds), Ashoorkhanas, Orphanages, Makans, etc.,

The Board is made up of nominated and elected members from various categories and the Chairman is elected by the members. The staff of the Board is headed by the Chief Executive Officer who is a KAS Officer in the Senior scale. There are District Wakf Advisory Committee Offices in all the 29 districts of the State.

The Board exercises powers of superintendence and control over all the wakf institutions. The Board appoints Muthawallies and managing committees to the Wakf institutions from time to time after election or nomination by Jamaath as per their Scheme of Management. All the Wakf institutions are required to submit their Budget Estimate and financial accounts to the Board and the Board undertakes audit of the major institutions. The financial transaction of the Board itself is audited by the Government (State Accounts Dept.) and the Accountant General. The Board takes various steps to protect Wakf properties from encroachment and unauthorized occupation. The Board gives the administrative and legal support to the Wakf institutions who carry out their developmental and socio welfare activities.

How the Board helps the Wakf institutions?

The Government of Karnataka releases Grant-in-Aid to take up repairs, renovations and constructions. So many Wakf institutions benefit from this every year. Small wakf institutions in remote villages having no sources of income benefit the most from this Scheme. The Board also engages Advocates to help the wakf institutions in protecting and safeguarding their properties. The Board is a party in cases before the Wakf Tribunal, Civil Courts & High Court and thus defends the interest of the Awkaf.

Recoveries of rents by Wakf institutions and eviction of unauthorized occupants:

Karnataka and Rajasthan are the only two States in the country who have adopted the Public Premises Act for the Wakf properties.

The Chief Executive Officer of the Board is the Competent Authority under the Karnataka Public Premises Act and he receives complaints from Wakf institutions whose tenants have become defaulters in the payment of rents or have over stayed the lease period. More and more Wakf institutions are utilizing this facility to find redress from the chronic problem of defaulting tenants who have occupied properties of the Mosques and are paying rents at a pittance.

Prevention of encroachment of Wakf properties:

Valuable Wakf properties go into the hands of unscrupulous land grabbers and the Board takes action to remove such encroachments by exercising powers under Section 54 of the Wakf Act.

Finances of the Board:

The Board gets 7% wakf contribution from out of the income derived by the Wakf institutions after meeting their expenses, of which 1% is sent by the Board to the Central Wakf Council, New Delhi.