🔔APTI PLUS will be launching State-Specific Interview Materials on November 25, 2025🔔

Inclusive Development

DOGRI & INDIA'S LINGUISTIC DIVERSITY: ISSUES & WAY FORWARD

Dogri is an Indo-Aryan language primarily spoken in the Jammu region of Jammu & Kashmir and by the Dogra community. Recognized as one of the official languages of J&K in 2020, Dogri has a rich tradition of literature, folklore, and cultural expression. Despite its heritage, the language is declining, especially among youth, due to limited government support, urbanization, and preference for Hindi and English. Surveys show a rural-urban divide in usage, with rural populations maintaining better proficiency. Revival efforts include educational inclusion, media promotion, digital content, and cultural initiatives. Preserving Dogri not only safeguards cultural identity but also promotes inclusive development, social cohesion, and intergenerational knowledge transfer. Sustained policy support, community participation, and modern engagement methods are key to ensuring Dogri remains a living and vibrant language.

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BALANCING EMPOWERMENT WITH ECONOMICS : RISING FREEBIES

The rising trend of freebies in India offers short-term relief but poses long-term fiscal and developmental challenges. While such schemes can boost popularity and provide temporary benefits, they strain state finances, reduce productivity, and create dependency. In contrast, inclusive development focuses on sustainable empowerment through education, health, skills, and infrastructure, leading to lasting social and economic progress. Balancing empowerment with fiscal discipline is essential to ensure both social justice and economic stability.

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TRICKLE - DOWN ECONOMICS & ITS IMPLICATION

Trickle-down economics is a theory that suggests benefits given to the rich and businesses—like tax cuts and incentives—will eventually reach the poor through job creation and economic growth. In India, this approach gained importance after the 1991 liberalization, leading to higher GDP but also rising inequality. While economic reforms boosted investment and infrastructure, wealth concentration limited its impact on lower-income groups. To ensure balanced growth, India now focuses on combining market-driven policies with welfare and inclusion measures such as MGNREGA, PM-KISAN, and digital empowerment initiatives.

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MICROFINANCE LOAN: MEANING, ISSUE & WAY FORWARD

The 2025 Sa-Dhan report reveals a sharp rise in microfinance loan delinquencies across India, with 6.2% of loans overdue by more than 30 days—up from 2.1% in 2023–24. Bihar recorded the highest outstanding microfinance loans (₹57,712 crore) and the highest delinquency rate at 7.2%. Rural borrowers were most affected, with overdue rates exceeding those in urban areas, highlighting growing financial distress in rural economies and raising concerns over the sustainability of microfinance-led financial inclusion.

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