Identity Crisis

Now, here I am alluding to the most pandemic but least noticed element of personality i.e. identity crisis. I define it as the mental state in which person doesn’t find his/her niche in the existing environment & tries to come out of the situation in an aggravated manner either by doing things which shows his worthiness or by accusing his/her surroundings for the present scenario.

What kind of people?

• People who have been earlier in places which gave them authority or importance and with time they think that they have lost their worthiness. In such situations people loses their stability of mind & become high-tempered, hyper & a person emanating negativity. With such kind of people around you, one hardly can do anything productive.
• People whose social life is very restricted & when they get exposure to the colorful life, they get fantasized about the people & try to somehow live like them which in urbane language can be termed as wannabe.

Symptoms:

· People who have been with the affected person can easily pinpoint that the person is having identity crisis.

· One is always unsatisfied & insatiate by his life, whatever is the situation.

· People try to imitate the ones from whom they are fantasized & they pretend as if they have been doing a particular thing for ages.

· People do not miss any opportunity to let down the person because of which they feel their identity in danger.

Cure:

· One of the most effective methods is to keep in mind” never ever there have been two similar people. If every person had to be same then why did god make different life forms, different plants, and different fruits? Every holy soul on this earth has a particular reason to live. One has just to make sure he is justifying his very reason.

Be Confident. Simple but useful. Nothing is impossible if you have the will to make it possible. One thing you have in your hands is to try because those who try only they succeed

CWG & SHE

When everyone is geared up for the upcoming CWG games,how can i be far behind?I asked her for the games & she gave an instant reply"you haven't bought them yet?Here i was,again one step behind her,to identify the moments we can enjoy.I quickly replied with a beam "no.I've bought them,i was just asking,if you will be able to adjust your busy college schedule?"WITH A COYISH SMILE,SHE SAID"YEAH,I'D LOVE TO".
SO,i quickly came to my hostel(@IITR),ASKED MY FRIEND WHO HAD HIS ACCOUNT ACTIVATED TO BOOK TWO TICKETS.Now one hurdle was which ticket to buy?One costed 750 bucks way out of my reach,other was 250,must be for the students like us.I opted for 250 wala ticket.Then,as per her request i booked two tickets for TENNIS.Now ,all i know about tennis is that Federer recently hit the famous twinner.That's it.Now,for a person like me,who wants to be best in front of her girl,this lack of knowledge will surely hit my ego & spoil my idea for enjoying CWG amongst the roaring crowd.I am left with only one option now,to talk to my friend Mr. Aditya (kholu) and soak as much knowledge as i can about the game.One more thing to worry about is crowd.What type of crowd will be there in the stadium?As convinced by my almost roomie gaurav, tennis is the game which is enjoyed by elite class,so ,dnt worry & enjoy with your girl.!
But one more thing,how will we reach to R.K.Khanna stadium?

I guess with so many problems raising their heads,& me in not a situation to handle(due to mid terms),i leave all these to be tacked by time...
& for the time being.......utho jiyo khelo..

MICROFINANCE

Finance is all what we know deals with the money matters. Finance is mixed in our day to day activities ranging from buying a matchstick to raising funds for setting up a plant.
Microfinance is complete in its name-micro means small & finance means money.It relates to the money matters which deals with the smaller section.In India.this industry has grown up to 16000 crore & is still growing. It is basically based on non-collateral transactions & requires huge initial capital. It basically requires a group of people who have their earninings greater than their expenditure or in other words who have money to save.They may not fetch money in short run but in a larger span of time,it will generate income definitely depending on the efficiency of your plans etc.This has been successful in Bangladesh where the organisation named BRAC is taking the charge of microfinance there.In India,this has been implemented by many organisations like AIF etc.
Let’s understand basically what does microfinance or particularly IMPACT INVESTMENT means.Suppose there are 4 people who come together & vow that they will every week deposit 100 rupees .Now after every month they will have 400 hundred rupeed in ther reserves.Now if someone is in a need of money then he can withdraw that amount from the reserve, obviously with the consent of the other group members, on an interest basis say he withdraws 100 rupees on an interest rate of 10% monthly.He repays 100 along with 10 rupees as interest.Now this 10 rupees will be divided amongst the four persons i.e 2.5 per person.
Now here what an MFI does is that it collectivises the group of people having same characteristics either on the basis of religion,caste,profession etc.Then it lends the money on a quantum scale i.e it do not lend money on a continuous basis but lend like 5000,10000,15000 & not 7000 or 12000.Here,the group is given say 100 per person,then in a group of five the amount given is 500.Now here the amount is loaned & then after a particular period of time it has to be repaid at the stipulated interest rate.If a particular person is not able to repay for whatever reason it has to be born by other four person.This is called JLG or joint liability group.
The basic negative factor here is it being non-collateral in nature.How can you trust a person & lend money running in thousands?Now here comes the vision & income regeneration techniques.If you think that a group is in genuine need of money and is capable of generating income in future then lending money will not be a bad debt!
P.S –This requires a huge capital so better search for a venture capitalist or get adopted by Bill gates.