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Question 16 Marks
The Impact of COVID-19 on South Asian Economies - Pakistan
EARLY IMPACT OF THE PANDEMIC
On February 26, 2020, Pakistan confirmed its first two cases of COVID-19. The pandemic could not have come at a worse time: the economy was growing at a tepid rate, jobs were hard to come by, and high inflation continued to erode the purchasing power of millions of households. As the case count grew, fear that the virus would spread rapidly across the country led to a vociferous “lockdown versus livelihoods” debate. Khan made a public case for protecting livelihoods and argued against a countrywide lockdown. Nevertheless, provincial governments began to issue their own lockdown orders, shutting down all nonessential businesses. The enforcement of these orders brought Pakistan’s economy to a standstill by the end of March.
Early estimates predicted that the economy would lose between 12 and 18 million jobs during the lockdown. The World Bank predicted that the country would enter its first recession in decades. Consequently, on March 24, 2020, Khan announced a stimulus package to prop up the economy and pave the way for a quick recovery. Totaling Rs.1.2 trillion (about 3 percent of GDP), the stimulus included an Rs.200 billion fund to protect laborers, Rs.150 billion to expand the country’s existing cash transfer program to poor families, and another Rs. 100 billion for pandemic-related emergencies.
The biggest success of the stimulus was the rapid expansion of the country’s cash transfer mechanism. More than 15 million families received funds through the program, ensuring that millions of citizens did not fall into extreme poverty. The State Bank also played a key role in supporting the economy, extending credit to small- and medium-sized businesses and protecting millions of jobs in the formal economy. The cumulative support provided by the central bank reached Rs. 1.3 trillion by October 2020. It also sharply cut interest rates from 13.25 percent to 9 percent in April 2020 and pushed them down to 7 percent by the end of June. As its domestic economy struggled, Pakistan had to pause its USD 6 billion fiscal stabilization program (which had started in 2019) and seek emergency relief from the IMF. By mid-April, the IMF also approved a USD 1.39 billion loans to alleviate the economic pain from the pandemic. In the following months, the World Bank provided USD 505 million in low-interest, soft loans; the Asian Development Bank approved a USD 500 million emergency loan; and the Asian Infrastructure Investment Bank approved a USD 250 million loans. Nevertheless, by December 2020, debt relief program talks with the IMF stalled as the Khan government resisted the demands and restrictions posed by the IMF. These included demands to increase energy tariffs and to sustainably reduce debt in the power sector, among others.
Questions:
i. Discuss the projected impact of the countrywide lockdown on Pakistan’s economy.
ii. Analyse the implications of the pandemic on the domestic economy of Pakistan.
Answer
i. The pandemic hit Pakistan at a worse time when it was already struggling with a slow economic growth rate, low jobs, and high inflation. The government issued lockdown orders of shutting down all nonessential businesses when the cases began to grow rapidly. This led to a vociferous “lockdown versus livelihoods” debate. The enforcement of these orders brought Pakistan’s economy to a standstill by the end of March. Early estimates predicted that the economy would lose between 12 and 18 million jobs during the lockdown. The World Bank predicted that the country would enter its first recession in decades. Consequently, the economy was in bad shape and the government had to rope in the stimulus package for its recovery.
ii. The internal economic condition of Pakistan was grappled with a cash crush which compelled the government to pause its USD 6 billion fiscal stabilization program (which had started in 2019) and seek emergency relief from the IMF. By mid-April, the IMF also approved a USD 1.39 billion loan to alleviate the economic pain from the pandemic. Later, other loans were accrued from various other sources, for instance, the World Bank provided USD 505 million in low-interest, soft loans; the Asian Development Bank approved a USD 500 million emergency loan, and the Asian Infrastructure Investment Bank approved a USD 250 million loans.
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Question 26 Marks
i. Discuss briefly, how institutional reforms (land reforms) have played a significant role in transforming Indian agriculture.
ii. Write a note on National Bank for Agricultural and Rural Development (NABARD).
Answer
(i) After independence, the government of India took several institutional/land reforms to ensure the transformation of Indian agriculture. Institutional reforms which played a significant role in transforming Indian agriculture are:
i. Land ceiling- It ensured the reduction of the concentration of land ownership in a few hands.
ii. Abolition of the Zamindari system- It focused on the elimination of farmers' exploitation and promotion of agricultural growth.
These reforms have led to the stability of farming as an occupation and promote equity.
(ii) National Bank for Agriculture and Rural Development (NABARD) is an apex development finance institution fully owned by Government of India. The bank has been entrusted with matters concerning policy, planning, and operations in the field of credit for agriculture and other economic activities in rural areas in India. The Committee to Review Arrangements for Institutional Credit for Agriculture and Rural Development (CRAFICARD) under the Chairmanship of Shri B. Sivaraman, conceived and recommended the establishment of the National Bank for Agriculture and Rural Development (NABARD).
An apex body to coordinate the activities of all institutions involved in the rural financing system. The main objective behind the set up of NABARD was to uplift rural India by increasing the credit flow for elevation of agriculture & rural non farm sector.
NABARD is active in developing financial inclusion policy and is a member of the Alliance for Financial Inclusion. NABARD replaced the Agricultural Credit Department (ACD) and Rural Planning and Credit Cell (RPCC) of Reserve Bank of India, and Agricultural Refinance and Development Corporation (ARDC). Headquarters of NABARD is situated in Mumbai, Maharashtra, India.
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Question 36 Marks
i. What is organic farming and how does it promote sustainable development?
ii. Classify rural credit in different categories on the basis of time period.
Answer
(i) Conventional agriculture relies on chemical fertilisers and toxic pesticides for higher yields of crops. These chemicals and pesticides enter the food supply, penetrate the water sources, harm the livestock, deplete the soil and damage the natural environment. It leads to the degradation of soil and health. Organic farming is an eco-friendly technique of growing crops, which promotes sustainable development. Organic farming excludes the use of chemical fertilizers and pesticides. Organic farming can thus be considered as a basis of sustainable agriculture and thereby sustainable development.
In other words, organic agriculture is a whole system of farming that restores, maintains and enhances the ecological balance and enhances food safety, thus encouraging the practices towards sustainable development.
(ii) Rural credit may be classified as:
i. Short-term Credit: These loans are for a period of 6 to 12 months. These loans are required for buying seeds, tools, manure, fertilisers, etc. These loans are given to the needy borrowers by cooperatives, moneylenders and banks.
ii. Medium-term Credit: Such loans generally stretch over a period of 12 months to 5 years. These loans are required for purchasing machinery, constructing fences and digging wells.
iii. Long-term Credit: These loans are for a period of 5 to 20 years. These loans are required to acquire permanent assets like tractors, land, costly equipment, tube wells, etc.
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6 Marks Question - Economics STD 12 Commerce Questions - Vidyadip