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Friday, November 10, 2017

RBI: Directions on managing risks and code of conduct in outsourcing of financial services by NBFCs

ON NOVEMBER 10, 2017 BY NARESH SAGARLEAVE A COMMENTEDIT

Naresh Kumar Sagar
Admin · 1 min
RBI releases directions on managing risks and code of conduct in outsourcing of financial services by NBFCs
The Reserve Bank of India releases Directions on Managing Risks and Code of Conduct in Outsourcing of Financial Services by Non-Banking Financial Companies (NBFCs). NBFCs are advised by RBI to conduct a self-assessment of their existing outsourcing arrangements and bring these in line with the aforesaid Directions within two months from the date of this circular (November 9,2017). The details of the directions are mentioned below.
1. Introduction
1.1 ‘Outsourcing’ is defined as the NBFC’s use of a third party (either an affiliated entity within a corporate group or an entity that is external to the corporate group) to perform activities on a continuing basis that would normally be undertaken by the NBFC itself, now or in the future.‘Continuing basis’ includes agreements for a limited period.
1.2 NBFCs have been outsourcing various activities and are hence exposed to various risks. Further, the outsourced activities are to be brought within regulatory purview to a) protect the interest of the customers of NBFCs and b) to ensure that the NBFC concerned and the Reserve Bank of India have access to all relevant books, records and information available with service provider. Typically outsourced financial services include applications processing (loan origination, credit card), document processing, marketing and research, supervision of loans, data processing and back office related activities, besides others.
1.3 Some key risks in outsourcing are Strategic Risk, Reputation Risk, Compliance Risk, Operational Risk, Legal Risk, Exit Strategy Risk, Counterparty Risk, Country Risk, Contractual Risk, Access Risk, Concentration and Systemic Risk. The failure of a service provider in providing a specified service, a breach in security/ confidentiality, or non-compliance with legal and regulatory requirements by the service provider can lead to financial losses or loss of reputation for the NBFC and could also lead to systemic risks.
1.4 It is therefore imperative for the NBFC outsourcing its activities to ensure sound and responsive risk management practices for effective oversight, due diligence and management of risks arising from such outsourced activities. The directions are applicable to material outsourcing arrangements as explained in para 3 which may be entered into by an NBFC with a service provider located in India or elsewhere. The service provider may either be a member of the group/ conglomerate to which the NBFC belongs, or an unrelated party.
1.5 The underlying principles behind these directions are that the regulated entity shall ensure that outsourcing arrangements neither diminish its ability to fulfil its obligations to customers and RBI nor impede effective supervision by RBI. NBFCs, therefore, have to take steps to ensure that the service provider employs the same high standard of care in performing the services as is expected to be employed by the NBFCs, if the activities were conducted within the NBFCs and not outsourced. Accordingly, NBFCs shall not engage in outsourcing that would result in their internal control, business conduct or reputation being compromised or weakened.
1.6 (i) These directions are concerned with managing risks in outsourcing of financial services and are not applicable to technology-related issues and activities not related to financial services, such as usage of courier, catering of staff, housekeeping and janitorial services, security of the premises, movement and archiving of records, etc. NBFCs which desire to outsource financial services would not require prior approval from RBI. However, such arrangements would be subject to on-site/ off- site monitoring and inspection/ scrutiny by RBI.
(ii) In regard to outsourced services relating to credit cards, RBI’s detailed instructions contained in its circular on credit card activities vide DBOD.FSD.BC.49/24.01.011/2005-06 dated November 21, 2005 would be applicable.
2. Activities that shall not be outsourced
NBFCs which choose to outsource financial services shall, however, not outsource core management functions including Internal Audit, Strategic and Compliance functions and decision-making functions such as determining compliance with KYC norms for opening deposit accounts, according sanction for loans (including retail loans) and management of investment portfolio. However, for NBFCs in a group/ conglomerate, these functions may be outsourced within the group subject to compliance with instructions in Para 6. Further, while internal audit function itself is a management process, the internal auditors can be on contract.
3. Material Outsourcing
For the purpose of these directions, material outsourcing arrangements are those which, if disrupted, have the potential to significantly impact the business operations, reputation, profitability or customer service. Materiality of outsourcing would be based on:
· the level of importance to the NBFC of the activity being outsourced as well as the significance of the risk posed by the same;
· the potential impact of the outsourcing on the NBFC on various parameters such as earnings, solvency, liquidity, funding capital and risk profile;
· the likely impact on the NBFC’s reputation and brand value, and ability to achieve its business objectives, strategy and plans, should the service provider fail to perform the service;
· the cost of the outsourcing as a proportion of total operating costs of the NBFC;
· the aggregate exposure to that particular service provider, in cases where the NBFC outsources various functions to the same service provider and
· the significance of activities outsourced in context of customer service and protection.
4. NBFC’s role and Regulatory and Supervisory Requirements
4.1 The outsourcing of any activity by NBFC does not diminish its obligations, and those of its Board and senior management, who have the ultimate responsibility for the outsourced activity. NBFCs would therefore be responsible for the actions of their service provider including Direct Sales Agents/ Direct Marketing Agents and recovery agents and the confidentiality of information pertaining to the customers that is available with the service provider. NBFCs shall retain ultimate control of the outsourced activity.
4.2 It is imperative for the NBFC, when performing its due diligence in relation to outsourcing, to consider all relevant laws, regulations, guidelines and conditions of approval, licensing or registration.
4.3 Outsourcing arrangements shall not affect the rights of a customer against the NBFC, including the ability of the customer to obtain redress as applicable under relevant laws. In cases where the customers are required to deal with the service providers in the process of dealing with the NBFC, NBFCs shall incorporate a clause in the relative product literature/ brochures, etc., stating that they may use the services of agents in sales/ marketing etc. of the products. The role of agents may be indicated in broad terms.
4.4 The service provider shall not impede or interfere with the ability of the NBFC to effectively oversee and manage its activities nor shall it impede the Reserve Bank of India in carrying out its supervisory functions and objectives.
4.5 NBFCs need to have a robust grievance redress mechanism, which in no way shall be compromised on account of outsourcing.
4.6 The service provider, if not a group company of the NBFC, shall not be owned or controlled by any director of the NBFC or their relatives; these terms have the same meaning as assigned under Companies Act, 2013.
5. Risk Management practices for Outsourced Financial Services
5.1 Outsourcing Policy
An NBFC intending to outsource any of its financial activities shall put in place a comprehensive outsourcing policy, approved by its Board, which incorporates, inter alia, criteria for selection of such activities as well as service providers, delegation of authority depending on risks and materiality and systems to monitor and review the operations of these activities.
5.2 Role of the Board and Senior Management
5.2.1 Role of the Board
The Board of the NBFC, or a Committee of the Board to which powers have been delegated shall be responsible inter alia for the following:
approving a framework to evaluate the risks and materiality of all existing and prospective outsourcing and the policies that apply to such arrangements;
laying down appropriate approval authorities for outsourcing depending on risks and materiality;
setting up suitable administrative framework of senior management for the purpose of these directions;
undertaking regular review of outsourcing strategies and arrangements for their continued relevance, and safety and soundness and
deciding on business activities of a material nature to be outsourced, and approving such arrangements.
5.2.2 Responsibilities of the Senior Management
Evaluating the risks and materiality of all existing and prospective outsourcing, based on the framework approved by the Board;
developing and implementing sound and prudent outsourcing policies and procedures commensurate with the nature, scope and complexity of the outsourcing activity;
reviewing periodically the effectiveness of policies and procedures;
communicating information pertaining to material outsourcing risks to the Board in a timely manner;
ensuring that contingency plans, based on realistic and probable disruptive scenarios, are in place and tested;
ensuring that there is independent review and audit for compliance with set policies and
undertaking periodic review of outsourcing arrangements to identify new material outsourcing risks as they arise.
5.3 Evaluation of the Risks
The NBFCs shall evaluate and guard against the following risks in outsourcing:
Strategic Risk – Where the service provider conducts business on its own behalf, inconsistent with the overall strategic goals of the NBFC.
Reputation Risk – Where the service provided is poor and customer interaction is not consistent with the overall standards expected of the NBFC.
Compliance Risk – Where privacy, consumer and prudential laws are not adequately complied with by the service provider.
Operational Risk- Arising out of technology failure, fraud, error, inadequate financial capacity to fulfil obligations and/ or to provide remedies.
Legal Risk – Where the NBFC is subjected to fines, penalties, or punitive damages resulting from supervisory actions, as well as private settlements due to omissions and commissions of the service provider.
Exit Strategy Risk – Where the NBFC is over-reliant on one firm, the loss of relevant skills in the NBFC itself preventing it from bringing the activity back in-house and where NBFC has entered into contracts that make speedy exits prohibitively expensive.
Counter party Risk – Where there is inappropriate underwriting or credit assessments.
Contractual Risk – Where the NBFC may not have the ability to enforce the contract.
Concentration and Systemic Risk – Where the overall industry has considerable exposure to one service provider and hence the NBFC may lack control over the service provider.
Country Risk – Due to the political, social or legal climate creating added risk.

Gambia, EU, IOM Launch Joint Initiative for Migrant Protection and Reintegration

ON NOVEMBER 10, 2017 BY NARESH SAGARLEAVE A COMMENTEDIT

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Banjul – IOM, the UN Migration Agency and the Government of The Gambia last week (03/11) officially launched the EU-IOM Joint Initiative for Migrant Protection and Reintegration: The Gambia at a ceremony in the capital Banjul, attended by the EU Ambassador to The Gambia, Attila Lajos and the country’s Minister of Interior, Mai Ahmed Fatty.  The launch was also attended by representatives from Government, the diplomatic community, civil society, the UN system and the media.
The three-year project is funded by the European Union Emergency Trust Fund for Africa (EUTF) for a total of EUR 3.9 million.
The initiative comes at a crucial time as a significant number of Gambians who have left the country become stranded on the migration routes to North Africa and Europe, with no means to continue their journeys. With little hope of reaching their intended destinations, many of them decide to return home but lack resources to do so.
The new project, part of a regional initiative addressing 14 countries in the Sahel and Lake Chad region as well as Libya, proposes to contribute to strengthening migration governance and to the sustainable reintegration of returning migrants in The Gambia, with the following three objectives:
To support 1,500 migrants returning to the Gambia to reintegrate into their communities of origin and to contribute to the strengthening of the Government of The Gambia’s capacity to provide sustainable reintegration support, including specialized assistance for vulnerable migrants;
To raise awareness of 250 communities and 2,500 potential migrants of safe migration options and alternatives to irregular migration;
To support national and local authorities and development partners in having access to data on migration factors, flows and trends to support evidence-based policy development and programmes.
IOM Chief of Mission in The Gambia, Fumiko Nagano, noted that the Joint initiative “aims to ensure that migrant rights are respected, that returning migrants are able to contribute positively to their communities, and that the migration process is safer and better managed. At the core, the Joint Initiative’s aim is to respond to migrant needs.”
The Joint Initiative’s inclusive approach will involve key stakeholders, such as migrants’ associations, community based organizations, and local communities to ensure the sustainability of reintegration and that Gambian migrants in the future will be opting to migrate via regular means as a matter of choice, rather than necessity.
IOM will be working very closely with the Government of The Gambia, particularly the Ministry of Interior, which has the mandate to lead on migration governance and management in the country.
In a separate but closely related event, IOM supported the government in holding the validation workshop in Banjul (02-03/11), on the country’s national migration policy, the first of its kind in The Gambia. This was part of IOM’s ongoing collaboration with the Ministry of Interior, financially supported by the EU-funded regional project, Support to Free Movement of Persons and Migration in West Africa (FMM West Africa). Once approved by the Cabinet, the policy will ensure that the Gambian Government has a comprehensive approach to migration management and governance.
“This policy is anchored on the ideals of African solidarity as well as shared values as informed by existing African Union frameworks including the AU Migration Policy Framework for Africa, the African Common Position on Migration and Development of 2006, the Common African Perspective for Valetta Summit on Migration of 2015, and Agenda 2063,” Minister Mai Fatty noted, as he urged EU and other stakeholders to act in partnership to address the root causes of irregular migration.
The FMM West Africa project, jointly funded by the European Union and the ECOWAS Commission, covers the 15 ECOWAS Member States and Mauritania on different thematic areas of migration, such as, trafficking in persons, border management, migration policy development and labour migration.
The FMM West Africa project is driven by the ECOWAS Commission and implemented jointly by the International Organization for Migration (IOM), the International Centre for Migration Policy Development (ICMPD) and the International Labour Organization (ILO).
For more information please contact Fumiko Nagano, IOM The Gambia, Tel: +220 232 0060, Email: fnagano@iom.int

Refugees Seek Media Platform to Change Bulgarian Minds

ON NOVEMBER 10, 2017 BY NARESH SAGARLEAVE A COMMENTEDIT
Faced with an upsurge of hostility from Bulgarian citizens, refugees and activists want to set up a media platform that will show people what they are really like.”author”>Mariya Cheresheva
BIRN
Sofia
Ahmad, Martin and their team in Sofia. Bulgaria. Photo: HITL: Human in the Loop
Ahmad left his home country of Afghanistan a year ago. Living there as a translator for NATO troops was “no longer safe” for him.
Having no legal way to enter Europe, he entered Bulgaria illegally, where he has been living ever since, and enjoying his new life.
“I just needed a safe place where I can be far away from bad people. For me, Bulgaria is a nice country – my life is much better here,” he told BIRN.
Having now obtained asylum in Bulgaria and moved away from the refugee centre in the Voenna Rampa neighbourhood of Sofia, he wants to help other refugees avoid some of the problems he faced during his first year in Bulgaria.
That is how he met Iva Gumnishka, a Bulgarian activist who works to provide job opportunities for refugees in the country.
Together, they organized a brainstorming meeting at the end of October, which brought together programmers, entrepreneurs, designers and refugees, to develop innovative solutions that could help asylum seekers cope with their new life in Bulgaria.
The idea that won most support from the participating refugees was setting up True News – a web platform to counter the negative narratives about refugees in the media and provide reliable information about the real situation in their home countries.
A team led by two Bulgarian developers, assisted by a group of Afghan refugees, has already developed a prototype for a video-sharing platform, which can be used to share clips on experiences, opinions and news among refugees and their network.
“Most people think refugees are terrorists. But most of us are just people who had wars in our countries and had to leave. We want to wipe the bad image from our faces,” Ahmad said.
A recent poll, carried out by the Sofia-based sociological research centre “Trend”, has confirmed Ahmad’s impressions about the negative attitude of most Bulgarians towards refugees.
About 84 per cent of the 1,004 participants in the poll said their country should not accept any more refugees from the Middle East.
A similar share, 82 per cent, seemed convinced that taking in economic migrants from war-torn regions was not a good idea generally.
Martin Dimitrov, one of the software developers engaged with the project, said the platform would allow asylum seekers to share information about themselves and about their life in the refugee camps, while at the same time showing Bulgarians that they are “just ordinary people”.
The original content, generated by the refugees, would then be monitored and moderated by locals responsible for the site, which would target the general public and the Bulgarian media.
“We need to find a common language. The bad reputation of refugees comes from the fact that usually it’s third parties that are the ones that talk and write about them,” Dimitrov said.
He and Iva Gumnishka believe that such a platform would have much potential and they are currently seeking additional funds and volunteer software developers to bring the idea to life.
Gumnishka acknowledged that such a project contains some risks for the refugees who take part.
“I would be afraid to open it up for comments as this would attract so much hate speech,” she said.
“I am not sure to what extent Bulgarian society is ready for this – but I still hope that the refugees will have a platform where they can express themselves,” she noted.
Ahmad, however, is positive that sharing his own experience and views with Bulgarians could bring about positive change.
“I want to show Bulgarians who am I, and what my goals and ambitions in life are,” he said. “Maybe I can be a very effective person for this community.”

BJP and AAP to wok together

ON NOVEMBER 10, 2017 BY NARESH SAGARLEAVE A COMMENTEDIT
जनता के स्वास्थ्य के लिए राजनीति को किनारे कर दिल्ली सरकार के साथ मिलकर काम करें बीजेपी-कांग्रेस: गोपाल राय 
दिल्ली मे फ़िलहाल वायु प्रदूषण का स्तर बढ़ा हुआ है जिसे लेकर दिल्ली की आम आदमी पार्टी शासित सरकार वो सबकुछ कर रही है जो उसके अधिकार क्षेत्र में है। लेकिन बड़ा ही दुर्भाग्यपूर्ण है कि भारतीय जनता पार्टी और कांग्रेस इसमें राजनीति कर रही हैं क्योंकि केंद्र में और नज़दीकी राज्यों में उनकी सरकारें हैं और उनसे कोई सहयोग नहीं मिल रहा है। आम आदमी पार्टी दोनो ही पार्टियों से ये अपील करती है कि इस मुश्किल वक्त में राजनीति छोड़ कर दिल्ली और पूरे उत्तर भारत के लोगों के स्वास्थ्य के बारे में सोचें और दिल्ली की सरकार के साथ काम करें।
प्रेस कॉंफ्रेंस में पत्रकारों से बात करते हुए आम आदमी पार्टी के वरिष्ठ नेता एंव दिल्ली संयोजक गोपाल राय ने कहा कि ‘यह बड़ा ही दुर्भाग्यपूर्ण है कि इस मुश्किल वक्त में बीजेपी और कांग्रेस पार्टियां एक ऐसी तस्वीर बनाने की कोशिश कर रही हैं कि जिसमें वो ये साबित करने में लगे हैं कि दिल्ली में जो वायु प्रदूषण है वो दिल्ली के लोगों की वजह से है, जबकि हम सब जानते हैं कि ये अचानक बढ़े प्रदूषण की वजह आखिर है क्या? इन सबके बीच ये दोनो ही पार्टियां राजनीति करने में व्यस्त हैं।
आम आदमी पार्टी इन दोनों ही पार्टियों से अपील करना चाहती है कि इस मुश्किल वक्त में राजनीति को छोड़कर दिल्ली और पूरे उत्तर भारत के लोगों के स्वास्थ्य के बारे में सोचें और दिल्ली सरकार के साथ मिलकर और एकजुट होकर काम करें। 

“Not only our Government but Censor board is also corrupted”,

ON NOVEMBER 10, 2017 BY NARESH SAGARLEAVE A COMMENTEDIT
“Not only our Government but Censor board is also corrupted”, says the team of upcoming controversial movie ‘Ik Onkar’
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The entire team of upcoming highly controversial film, which was showcased in America and Canada but banned in India by Censor Board & The Censor Board Tribunal, “Ik Onkar” leaving no bars highlight the fault of Government as well as Censor Board too. As the entire team along with several known political personalities were today present in the press conference held in The Hotel Royal Plaza, Delhi. Which includes politicians like Jarnail Singh (MLA Tilak Nagar & Vice Chairman of Punjabi Academy), Somnath Bharti (Ex Law Minister, Delhi), Alka Lamba (MLA Chandni Chawk), Gurmukh Singh (Counsellor Tilak Nagar), Raghav Chhadha (AAP Spokesperson), Direcctor of the movie Aviral Raj and Producer Talwinder Singh and NRI from Canada, Mandeep Singh Chhatwaal(Distributor) and many others.
The entire team came together and shared their issues regarding the movie and the negative result they faced by the Censor board and government to showcase the movie in India. While interacting with media they stated their views which show their similar point of view and disappointment. Somnath Bharti Ji stated, “It feels like Censor Board is also corrupted along with our Government. I would say the entire scenario is corrupted. Yes this move was shown in America and Canada but why not in India? We made this movie for the goodwill of Punjab and other religions as well, but as per Cesnor board this movie can give a negative impact and can be hazardous to society. But this is absolutely wrong, this movie reveals the problems of Punjab. Our Censor board is biased.”
Whereas, Alka Lamba shared the similar points, she said, “Not only Punjab but the entire India is facing the issue of drug abuse, this is what the highlight of the movie, but our government is not allowing us to showcase the rights and wrongs of the society. We all are standing together for the movie and the corruption too.” As per Somnath Ji, “Government is not giving positive impact to public. There is no institution left in India, which are burdened by the them, nothing is going right.” The director and producer of the movie also seemed disappointed, Aviral Raj told meida, “Ik Onkar is a greta movie, which talks about the youngsters and farmers and the problem they faces in their daily lives, The concept came from Canada is Commendable.”
Well, “Ik Onkar” The Revolution as a title itself portrays the message of Oneness in the society. It will show you evils like drug addiction, corruption, rape, killing and injustice prevailing in the society and will create awareness towards it. The film has been made under the banner of Nanak Films International which is directed by Aviral Raj Sharma and produced by Talwinder Singh.

Renault to organize Winter Service Camp across India

ON NOVEMBER 10, 2017 BY NARESH SAGARLEAVE A COMMENTEDIT
  • A pan-India week-long Renault Winter Camp to be held from Nov 13th to Nov 19th at all Renault dealership facilities
  • Together with a comprehensive car check and maintenance, several customer engagement activities have been planned to make it an exciting and memorable experience for customers along with special offers on Parts and Accessories

New Delhi, November 09, 2017: Staying true to its commitment to enhance customer satisfaction along with providing an enriched brand ownership experience, Renault, one of the fastest growing automotive brands in India, today announced the commencement of a nationwide After-sales service initiative, ‘Renault Winter Camp’. The service camp will be conducted at all Renault service facilities across India from November 13thto November 19th, 2017.
The objective of organizing the Renault Winter Camp is to ensure optimal performance of the cars which is imperative during the winter season. Trained and well-qualified service technicians are dedicated to provide the care and expert attention that is needed for the cars. The service camp offers Renault owners a car check-up as per the guidelines stipulated by Renault India enabling a detailed examination of all key functions of the car. Such periodical checks ensure necessary actions for enhanced performance of the car and provide customers a rewarding ownership experience with the brand.

As an integral part of Renault India’s commitment to constantly deliver excellence in customer comfort and convenience, Renault Winter Camp is an initiative to reinforce the brand’s bonding with its customers and assure of utmost care. Not only does the customer get a complimentary and comprehensive winter service car checkup from Renault India’s team of expert technicians, but they will also get a host of additional benefits. The customers can also avail of attractive as well as exclusive plan on Renault Assured insurance renewal, 15% discount on selected parts and accessories, 15% discount on other Value Added Services. A host of other exciting offers include 10% discounts on labour charges, 10% discounts on Extended Warrantyenrolment and Road Side Assistance (RSA) etc. including free car top wash and special offer on select tyre brands. In addition to the car check-up facilities, interesting customer engagement activities will be organized at the workshops, making it a delightful experience for customers.

Renault is pursuing an aggressive growth strategy in India and entering emerging businesses in the automotive space, to best serve the Indian customer. Driven byPassion for Innovation, Renault India has undertaken many first-of-its kind after-sales initiatives to offer a seamless brand ownership experience to its customers.These include RENAULT selection which is a pre-owned car business entity, Renault Finance, offering customized finance solutions with fast processing and simple processes; Renault Assured, enabling cashless accident repairs at all Renault Dealer workshops with faster claim settlement; and Renault Secure, which covers Road Side Assistance and Extended Warranty and innovative mobile Workshop called, Workshop on Wheels (WoW) to cater to the servicing needs in remote areas. By March 2018, Renault plans to expand this service to 76 more locations from the current number of 46, especially in mini metros.
Renault has recently introduced MY RENAULT APP, a smartphone application available on Android and iOS platforms. It covers all Renault models currently on sale in India. The mobile App not only becomes the first from an automaker in India to feature an e-commerce facility, but also has over 60 handy features, including online service appointments, personalised reminders and digital vaults for document storage.
With substantial efforts and developments on product, network and customer engagement, Renault India has entered a new phase of growth in India, and is gearing up towards making its products and services more accessible to customers across the country. While expanding the product portfolio will be pivotal as part of Renault’s long-term commitment to India, Renault wants to carve a niche for itself by making after-sales and service experience a key differentiator in the Indian automobile landscape. From the current network strength of more than 300 sales points, Renault aims to its reach to 320 facilities by the end of 2017, thereby making it one of the fastest ramp ups by an automobile OEM.

ABOUT RENAULT
Renault India Pvt. Ltd. is a fully owned subsidiary of Renault S.A.S. France. Renault India cars are manufactured in the manufacturing facility located in Oragadam, Chennai, with a capacity of 480,000 units per annum. Currently, Renault India also has a widespread presence of more than 300 sales and 230 service facilities across the country with benchmark sales and service quality.

Renault India’s product line up and services have seen strong recognition among customers and industry experts alike, winning more than 60 titles, making Renault India one of the most awarded automotive brands in a single year in India. The Renault KWID has already bagged 31 awards, including 10 ‘Car of the Year’ Awards.

For Further information, please contact:
Jatin Aggarwal
Head – Public Affairs and Communication
Renault India Pvt. Ltd.
jatin.aggarwal@renault.com
@RenaultIndiaPR @RenaultIndia

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Rohit Roy and Ram Kapoor to be present at India Bike Week

ON NOVEMBER 9, 2017 BY NARESH SAGARLEAVE A COMMENTEDIT

Mumbai, November 2017: Distinguished actors Rohit Roy and Ram Kapoor will be attending the fifth edition of India Bike Week, the sexiest bike rave in Asia which will witness over 20,000 bikers from across the country riding into Vagator on 24th and 25th November’17.
Rohit Roy, who owns a Honda Rune Limited, is an avid biker. For Ram Kapoor, biking is his passion. He is a  proud owner of a BMW S1000XR, BMW K1600B, Harley Davidson Fatboy, Ducati XDiavel S and loves to zoom around on these machines.

Rohit Roy said, “I am really excited to be part of India Bike Week which is of course the biggest biker rave in Asia but more importantly, as a biker, it will be fun to be with my biking community friends. I have been an avid biker since school and always look for reasons to ride my machines in the country and abroad every time I get a chance.”

Ram Kapoor, said, “I’ve been a bike lover since I was a little boy and now I have a few bikes of my own. I’m now an avid rider and a proud member of the Indian biking community which seems to be growing by the second. I’m super excited that I’ve been able to make time for this year’s IBW as it’s one the best biking events of the calendar year. Will be riding down to Goa with my riding buddies. I look forward to a ROCKING weekend.”
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India Bike Week will also have notable bikers like Freddie Spencer, one of the greatest and youngest world champions of the 80’s, a consecutive championship winner across two classes (250cc and 500cc), Freddie is the only man to achieve all this. Leslie Porterfield, riding since the age of 16, Leslie is today the Fastest Woman on a Motorcycle according to the Guinness Book of World Records’ title after setting the speed record in 2008 at Bonneville Speedway. With three land-speed records and a favourite of the Bonneville 200 mph club, she’s a businesswoman, mother of twins and a designer of motorcycles built for speed. The speakers for this year’s edition also include Vinod Rawat, Dhruv Dholakia, Kumar Shah, Melissa Pierson, Ravi Verma, Dilip Muralidaran, Neel Jagtap, Pooja Dabhi amongst others.

Nicole Mody, food curator and author will curate the Food Parks which will feature street food specialists, home chefs, food trucks, Goan food, kebab & barbecue experts and much more. IBW will also feature, interesting Beard and Tattoo competitions along with a Biker & Beach Fashion Show and the Moto Art Project. To compliment to the beach vibe, there will be Karaoke, daily sunset session and even Stand up Comedy! Vagator will be the place to be this November.

Event Details
·            What: India Bike Week
·            When: 24th and 25th November’17
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Belgian Royalty and Cricketer Virender Sehwag team up for Child Rights
MUMBAI, 10 November 2017 – Their Majesties the King and the Queen of the Belgians advocated for children’s right to play and learn during a cricket match with cricketer Virender Sehwag and boys and girls from two Mumbai schools at Mumbai Maidan Oval, India.
“No matter the country we live in, we have to ensure that children grow up in a safe family environment. We need to protect girls and boys from all kind of violence and harmful practices and prevent child maltreatment. As a UN Special Advocate, I attach importance to the Right to Education for all children,” said Her Majesty.
Girls are particularly vulnerable in India. Nearly one fourth of 20-24 year-old-women[1] were married before they turned 18. Close to 12 per cent of girls are not attending upper primary school. [2] Around 4.5 percent of women age 15-19 experienced sexual violence.
“It is high time we empower our women and girls, and sports is a wonderful way of doing so,” said cricketer Virender Sehwag following the cricket match attended by Their Majesties. “While speaking with the children we learnt that UNICEF’s work with sport is grounded in its mission to ensure that every boy and girl irrespective of their ability and background have the right to play and participate in sports in a safe and healthy environment.”
Her Majesty Queen Mathilde had a closed-door meeting with school children from Maharashtra who discussed personal safety, the importance of life skills and adolescent empowerment, especially the empowerment of girls and prevention of child marriage.
“Child marriage negatively influences children’s rights to education, health and protection. These consequences especially impact the girl directly, but also her family and community. Girls and boys married as children more likely lack the skills, knowledge and job prospects needed to lift their families out of poverty. They are unable to contribute to their country’s social and economic growth,” said Her Majesty.
During her stay in Maharashtra, Her Majesty the Queen inaugurated a song about hand-washing. Coordinated by the University of Hasselt in collaboration with Belgian students and volunteers, the song was donated to UNICEF to serve as another creative tool to generate awareness around the already successful Swachh Bharat Mission (Clean India Mission) in the country. Queen Mathilde underlined the importance of good hygiene practices to increase school attendance and reduce the incidence of disease.
“Sustainable development can only be realized if children are healthy and are living in a safe environment. Quality education at school and at community level should pay attention to hygiene and handwashing. Good hygiene practices significantly reduce the incidence of several diseases. Something as simple as handwashing saves lives, “she said.
“We have to ensure that schools and communities are fully engaged in this process at all stages using participatory processes, local knowledge and tool. Through song and dance we can reach children and change behaviours. As a UN Special Advocate for the Sustainable Development Goals, I support UNICEF in its efforts to promote widely this life-saving practice of washing hand with soap at critical times,” she added.
UNICEF works with schools to empower children as hygiene ambassadors within their families and communities. Children are catalysts and agents for change that can encourage community members to wash their hands at critical times.
Their Majesties are in India on a State Visit from 5 to 11 November 2017. During her stay, Queen Mathilde, in her capacity as Honorary Chairperson of UNICEF Belgium, had the opportunity to witness a full range of programmes where UNICEF supports the Indian Government to achieve results for children, notably in the areas of water and hygiene, child protection, child participation and girls’ empowerment.
The visit comes ahead of the first World Children’s Day set for November 20 to mark the anniversary of the Convention on the Rights of the Child. A day for children and by children, it aims to give a voice to the voiceless and allow children from around the world to take over key roles in media, politics, business, sport and entertainment to help save children’s lives, fight for their rights and fulfil their potential.
Note to Editor: (Data for the state of Maharashtra, India)
Education:
While the national average for literacy stands at 74 per cent, the literacy rate is higher in Maharashtra at 82.3 per cent. While 98 per cent children are enrolled in schools, 50 per cent of the out-of-school children belong to the Scheduled Tribes and Scheduled Castes.
Newborn mortality
Maharashtra has shown rapid reduction of under five mortality rates in recent times. However every year, about 48,000 children die before their fifth birthday in Maharashtra, out of which 30,000 are newborns.
Reduction of Open Defecation
Rural Maharashtra accounts for seven per cent of the national Open Defecation load.
It also ranks at the fifth position in the country among states with the highest number of rural households without individual toilets.
An estimated 21 per cent of Zilla Parishad district) schools in the rural areas of the state lack
hand washing facilities.
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The Newspaper Editor's Society

For Job Seekers ,Placement-Employment We are initiating the job seekers to present their bio datas To help them seek employment opportunities. Receptionist with computer and Accounts knowledge.Office Manager,Office Assistant, Send Bio Datas: nksagar@rediffmail.com, Sagarmediainc@gmail.com Editor Nk Sagar The Newspapers Editor's Society -http://tnewsagar.blogspot.com/ Vice President Delhi NCR The Newspapers Editor's Society Share photos on twitter with Twitpic

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