Week1 @PGPM912 SPJIMR

The first week was really a time I thought given to students of new batch to understand about SPJIMR beyond the research each one of us would have made (whatever minimum !!!) before interview or even before choosing SPJIMR as one of our desired b-school destination. It was, in a way, quiet an eventful week, as our inaugural week coincided with SPJIMR Academic Conclave 2013. The rest of the time was spent mostly on networking among the batch students, understanding their background and career goals each one have set for themselves after the course.
The inauguration session, rather in a typical academic manner from senior leaders of our academia extended warm welcome to each students. A brief about the program, calendar for the year, pedagogue methodology provided an idea of what was in store for us for rest of the years. The research assistants gave us the rule books and guidelines of dos and don't s(of which I already became a casualty). Of the entire speech from the senior leaders and academicians, the standout thing for me was emphasis by each on helping to groom individuals on becoming a leader who is self-conscious, who understands moral values and one who takes decisions that has an impact to society in a positive manner. This in fact is reflected in SPJIMR's methodology which is based on teaching principles of imparting knowledge(knowing), skill(doing) and attitude(being). The course curriculum is designed to retrofit it into this model.
I felt many, including me, were taken by complete surprise on lecture from yoga guru and initial introduction by Dean on importance of translating individual's intelligence quotient(IQ) & emotional quotient(EQ) into spiritual quotient(SQ). And one would imagine why a b-school for enlightenment on inner conscious which one could  have acquired through lectures from spiritual leaders. But this pretty much fits within the course of overall methodology of enlightening individuals of self and being. Students also have to undertake yoga-exercise to inculcate the practice and highlight the importance of fit and stress free human body and mind, without which decision making is just not possible.
The conclaves on sustainability, inclusive growth through diversity, marketing presentations and award and managing risks & sustaining high performance in supply chain were quiet insightful.

Getting ready to unleash a new beginning @ PGPM SPJIMR

The professional days were over merely a week before the start of my program(PGPM, SPJIMR) and was mentally gearing up for the grind. The grind, which I wished to go through in order to prepare myself for next stage of my career, that hopefully shall also equip me to manage some serious responsibilities in future tad easily. But the time really wasn’t enough for unwinding as it passed away rather quickly. Being a native citizen to Mumbai, I really needn’t spend time in preparing for a transition into another town, in a way added an element of doubt of another nature. Whether to commute daily or to opt for a hostel facility was million dollar question that loomed largely on my mind all the while before the start. And my kid who is merely 5 months old didn’t help the matter. However, serious contemplation on whether I would be able manage daily and yet be thoughtfully agile each day steadily wiped off the doubt. Mind won over heart and finally decided to opt for hostel. Wasn’t an easy decision though and mind for that matter had to convince the heart with an alibi of keeping the option of visiting home frequently if not daily, and just in case heart gets home sick.
Couple of visits to bank for getting the pending documents for loan in order, spending some time in preparing for phase I foundation exam and I was left with no time. It really passed away as if it was more anxious for me than I was for myself. This meant that the excitement of starting the new journey was as-is.

CIBIL, a common source of stale credit repository

Credit Information Bureau (India) Limited (CIBIL) is a Credit Information Company (CIC) formed to provide a single source of credit history of various consumers across India. The member firms, mostly financial institution, are both provider and recipient of consumer's credit records. CIBIL collects and maintains records of an individual‘s payments pertaining to loans and credit cards. These records are submitted to CIBIL by banks and other lenders, on a monthly basis. This information is then used to create Credit Information Reports (CIR) and credit scores which are provided to lenders in order to help evaluate and approve loan applications.
Interestingly, a three digit credit score(typically any score greater than 700) is often pivotal in the decision making process and most critical in acceptance or rejection of loan claim. Such being the importance of the score, regular and timely re-payment of any form of credit claimed from the member firms of the CIBIL is of paramount importance to consumers. The responsibility of consumers end there though, the banks or lenders are required to update the central database for each of their customers on a monthly basis. 
Recently, I have been faced with an ignominy of loan rejection despite been most diligent in repayment. This made me think about the accuracy of information maintained and accountability of an independent firm maintaining the stale data, which apparently is information that most banks rely upon. 
To prevent selling the product to consumers who are more likely to default is underlying principle, but rejection to genuine consumer on account of incorrect poor score means lost business to banks too. Hence it is in the interest of banks to maintain the accuracy of data. 
While I am yet to retort completely and reach to a tenable solution. I shall update this blog about the process I followed, as on date I am aware that any knowledge of incorrect information can be emailed to info@cibil.com

हे, परमपिता परमेश्वर

हे, परमपिता परमेश्वर
रक्षा करना तुम मेरी, ईश्वर
जो जीवन किया है मुझे प्रदान
उम्मीद थी,
लिखा न होगा तुमने यह विधान
श्रृष्टि के सृजन पर,
समानता की प्रतिक थी अर्धनारी
फिर क्यूँ यह जानते भी,
पुरुष प्रधान है दुनिया सारी
हे, परमपिता परमेश्वर
रक्षा करना तुम मेरी, ईश्वर
जो बनते ढाल, कवच और रक्षक,
प्रहरी क्या बनेगें
वही बन गए है भक्षक
कार्यरत, घर से जब मैं निकलती हूँ
कभी अपनी आहट से,
कभी परछाई,
कभी आप से ही डरती हूँ
हे, परमपिता परमेश्वर
रक्षा करना तुम मेरी, ईश्वर
रास्तों पर भीड़ संग जब चलती हूँ
कभी तीक्ष्ण नज़रों से,
कभी अशिष्ट बातों को,
सुनकर अनसुना मैं करती हूँ
इस घृणित कृत से कैसे बचूं मैं,
कब तक अन्याय और सहूँ मैं ,
किससे से अपनी बात कहूं मैं
प्रति दिन होती हूँ कई बार मैं लज्जित
रह गयी हूँ, निराश्रय, हताश और असुरक्षित
हे, परमपिता परमेश्वर
रक्षा करना तुम मेरी, ईश्वर