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Question 16 Marks
At the turn of the century, Pakistan had the highest GDP per capita when compared with India, Bangladesh, and Vietnam. Twenty years later, it is at the bottom of the group. Political upheaval, a violent insurgency fed by the war in Afghanistan, and the inability of successive governments to carry out reforms are to blame for this decline. Today, a polarized political environment and elite intrigue among civilian, judicial, and military institutions have made sustainable economic growth and reforms that much more unlikely. The COVID-19 pandemic has further sharpened the challenge.
Inflation is still the biggest issue facing the government today. Headline inflation climbed to 9 percent in September 2020 and double-digit food inflation continues to erode citizens’ purchasing power. This has worsened the situation for millions of households who have seen a decline in their purchasing power since 2016, according to data from the Pakistan Bureau of Statistics. In its most recent monetary policy statement, the State Bank of Pakistan raised its concerns as well, warning that while “core inflation has been relatively stable,” food inflation remains a risk, “especially in the wake of recent flood-related damages and potential locust attacks.” With households spending a larger share of their incomes on food—an emerging wheat crisis is compounding problems—consumption spending on other items will remain subdued, leading to a lack of economic growth in a country where consumer spending drives more than 80 percent of the economy.
At the same time, a weak economic recovery around the world, particularly in the European Union and the United States, will subdue demand for Pakistan’s exports. After declining by 20 percent on a year-on-year basis in August, exports grew by 6 percent in September. The outlook, however, remains bleak due to a weak global economic recovery. The issue has been further exacerbated by chronic structural inefficiencies — exporters who received additional orders in recent weeks are facing gas and cotton shortages. This means export growth is unlikely to drive a significant uptick in economic activity and employment. As a result, the structural issue with Pakistan’s economy, i.e., its inability to earn sufficient foreign income to pay for its import and debt servicing needs, remains its Achilles’ heel.
Questions:
i. Discuss the underlying problem with Pakistan's sustainable growth?
ii. Anticipate the outcome of Pakistan’s foreign income vis-à-vis its export growth.
Answer
i. Scholars opine that political instability, over-dependence on remittances, and foreign aid along with the volatile performance of the agriculture sector are the reasons for the slowdown of the Pakistan economy. Besides, the COVID-19 pandemic and restrained exports have been instrumental in abating the sustainable growth of the country. Inflation is still the biggest issue that the government faces even today. This has worsened the situation for millions of households who have seen a decline in their purchasing power. Other issues caused due to natural phenomenon like flood-related damages and potential locust attacks further exacerbates the situation.
ii. If a country can build up its foreign exchange earnings by sustainable export of manufactured goods, it need not worry. In Pakistan, most foreign exchange earnings came from remittances from Pakistani workers in the Middle-east and the exports of highly volatile agricultural products. Moreover, the economy has been suffering instability due to various reasons.
a. Weak Economic Recovery: There was a growing dependence on foreign loans on the one hand and increasing difficulty in paying back the loans on the other. The weak economic recovery around the world, particularly in the European Union and the United States, has subdued demand for Pakistan’s exports. The outlook, however, remains bleak due to a weak global economic recovery. After declining by 20 percent on a year-on-year basis in August, exports grew by 6 percent in September.
b. Structural inefficiencies: The chronic structural inefficiencies have worsened the condition. The exporters who received additional orders in recent weeks were facing input (gas and cotton ) shortages. This means export growth is unlikely to show an upward trend in economic activity and employment. As a result, the structural issue with Pakistan’s economy, i.e., its inability to earn sufficient foreign income to pay for its import and debt servicing needs, remains its shortcoming.
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Question 26 Marks
i. Explain the need for rural development.
ii. Explain different sources of credit in rural areas.
Answer
(i) More than two-thirds of India’s population depends on agriculture and about 60% of India’s population lives in rural areas. The development of all aspects within rural communities is vital for the effective development of the country. Hence, India’s economic development requires speedy rural development. The following points highlight the need for rural development:
i. Increase in Productivity- Rural development is needed to provide rural people with various means that will help them increase productivity. This will make agriculture a profitable venture. There can be no development without rural development.
ii. Employment- Rural development is needed to create employment opportunities particularly in rural areas. This will be possible by promoting non-farm activities.
iii. Better Living- Rural development is needed to improve the standard of living of rural people by providing better access to healthcare, education and sanitation.
(ii) NABARD is an apex institution entrusted with all matters concerning policy, planning and operations in the field of rural credit and related economic activities. It does not lend to general public directly but serves as a funding agency for the institutions providing credit in rural areas. Those who lend to public directly can be categorised into:
a. Institutional Sources of Credit: Institutional credit institutions include Cooperative Credit Societies, Regional Rural Banks, Land Development Banks and Commercial Banks. Together they constituted only 7% of credit needs of the farmers in 1950-51 but by 1981 their share increased to 63% and at present it is 74%.
b. Non Institutional Sources of Credit: Landlords, village traders and moneylenders are major non institutional sources of credit. At the time of independence their share in total credit was 93% but it has declined sharply over years. But since these credits are not backed by written records, we can't be sure of the available statistics.
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Question 36 Marks
i. Discuss the importance of credit in rural development.
ii. The Government of India has taken various measures to align the agricultural marketing system with the growing production activities in the rural areas.
Do you agree with the given statement? Give any two valid reasons in support of your answer.
Answer
(i) The only factor which can ensure higher productivity in agriculture in rural economy is Capital. It can grow only if it has an adequate flow of finance. Provision of rural credit enables a farmer to buy fertilisers, improved seeds of organic pesticides and equipment. All these inputs help him to increase his agricultural productivity and income. Credit is the lifeline of farming activity. Because:
i. Most farming families in India are small and marginal holders, producing just enough for subsistence. They seldom generate surplus for further investment.
ii. Gestation period between sowing and harvesting is quite long. This necessitates borrowing for the purchase of inputs.
So, the importance of credit in rural development can be perceived as a means to break the vicious circle of low capital, low productivity and low savings of the rural poor.
(ii) Yes. The Government of India has taken various measures to align the agricultural marketing system such as:
  • For the welfare of farmers as well as consumers, various market regulations were initiated to create orderly and transparent marketing conditions.
  • The government took measures to enhance infrastructural amenities such as roads, railways, warehouses, cold storage facilities, and processing units to meet the growing demand.
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6 Marks Question - Economics STD 12 Commerce Questions - Vidyadip