क ष लग न म ज ख म ब यबस थ पन म त : २०७१/०४/२२ स थ न: क ल ह ट ल व रगन ज ब क श भट टर ई

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2 क ष लग न म ज ख म ब यबस थ पन म त : २०७१/०४/२२ स थ न: क ल ह ट ल व रगन ज ब क श भट टर ई

3 ज ख म क ह? पररचय क न पनन व यवस यम ज ख म अन तनन हहत ह न छ षवत त य स स थ हर म पनन ज ख म रह क ह न छ ज ख म म क त क न व यवस य क न म न फ र ज ख म भन क एक ससक क क द इ प ट जस त ह न भन न स ज It is not possible to operate any business with absolute risk free environment तप इल ई थ ह छ सम भ व य (probability) नर म र असर (Adverse event) नक र त क असर (Negetive effect) Risk is the possibility of an event occurring, which has negative implications for the organization Risk is the possibility of an undesirable outcome or the absence of a desired outcome disrupting your organization or project. Risks are events or conditions that may occur, and whose occurrence has a harmful or negative effect on the organization.

4 ज ख म ब यबस थ पन?? ज ख व यवस थ पन मभत र Identification of risks in both external and internal environment of the organization (Systematic issues, Human mistake, misuse and frauds) Design, develop, strengthen systems to identify the areas and act on mitigating risks RM is for minimizing the risk to reduce the adverse impact on organization resources, image, etc. RM is the process of managing the probability or the severity of the adverse event to an acceptable range The Risk Management Process consists of various steps to ensure minimization and avoidance of risks. Risks are inherently not Bad??? A risk is an exposure to the chance of loss. Sometimes, it is necessary to take risks to accomplish worthy and meaningful goals. This is especially true in microfinance where loan officers take risks every day by lending money to people without credit histories, without business records and often without collateral. But, it is important to take calculated risks

5 ज ख म ब यबस थ पन ककन र क क ल गग?? Its important because of.,,,,,, Scattered operations, multiple services, internal frauds, region specific issues, unexpected climatic conditions and competition Hence, there is a need for proactively identify various risks, active monitoring, prevention of risks and formulate strategies to mitigate them Prevention-----Detection Correction

6 ज ख मक प रक रहर ज ख महर आन तररक ज ख म ब ह य ज ख म औध गगक ज ख म प र क नतक ज ख म

7 आन तररक ज ख म Internal Risk is the risk of loss resulting from inadequate or failed internal processes, people, and systems (These risks can be mitigated at maximum level as a individual) उद हरण: स च लन ज ख म, स व ज ख म, म नब स श धन ज ख म, कज क ज ख म, धनक ज ख म... आहद

8 ह य ज ख These risks are associated with external environmental of an organization, country/world and may exists with day to day operations. (These risks are difficult to mitigate at maximum level and also as an individual) Ex:-Market Risks, Regulatory & Political Risks, Social & Environmental and robbery & theft Risks *BO : Business Objects, used for dash boards and data consolidation

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10 ज ख मक बगग करण Operation Social & Credit Environment Frauds Service Financial Internal Risk Reputation Market Risk HR Regulatory Technology Political

11 स ज ख Nature or Rain fall, Flood or draught conditions Earthquake or volcano, tsunami etc Pests & Diseases outbreak Eg: Poultry & Scale wooly aphid in Sugarcane Pollution Nature or Rain fall, Flood or draught conditions Earthquake or volcano, tsunami etc Pests & Diseases outbreak Eg: Poultry & Scale wooly aphid in Sugarcane Pollution

12 ल य र ज रक ज ख Price uncertainty due to Market fluctuations- Supply & Demand conditions Locally & Globally Price is not fixed before harvest but credit arrangments exists B/w buyers and farmesr Crop Yield & Quality Overproduction, Export problems-(quality) Ex: Ginger, Tamato, Onion, Grapes, Sugarcane etc Challenges: Transportation, in appropriate Storage facilities, Non availability of market information or imperfect

13 र जन त क ज ख Low food prices due to interest of consumers especially urban population False promises during the election campaign Promising debt cancellation schemes Trade unions and community associations leaders interference resulting in mass default

14 A key component in the presidential electoral campaign of Thaksin Shinawatra was a three-year debt suspension plan for farmers. The debt relief programme allowed Thai farmers to stop loan principal repayments and interest payments for a period of three years. This was going to affect the Bank for Agriculture and Agricultural Cooperatives (BAAC), the largest financial institution in Thailand servicing rural households, quite badly. In order to reduce the expected negative implications of this programme on its financial viability, the management of BAAC negotiated with the government and achieved the following results: Only farmers who had borrowed less than 100,000 Baht (2,300 USD eq.) and who had never had any legal action taken against them by BAAC in the past, would be eligible for the debt suspension programme. The Thai government would compensate BAAC for all lost interest payments during the three-year period. Borrowers who opted for the debt suspension programme would not be allowed to obtain any new loans from BAAC. Borrowers who decided to repay their loans before the 3-year due date of the programme would be promoted to a better credit rating client category.

15 भ त क र आर थ क ज ख (logistic and infrastructure Risks) Availability & timing of inputs /services E.g: Inputs such as seeds, fertiliser, pesticide -non availability Vet Services for AI Quality can be affected by poorly functioning infrastructure and services

16 ज ख ब य स थ पनक रणन त Avoid the Risk:- If the consequences of a particular risk could be devastating and the company does not have the funds or capacity to mitigate it sufficiently, the company could choose to avoid such a risk event entirely. Transfer the Risk:- If the consequences of a risk can be severe, but the occurrence is very unlikely, it often makes sense to transfer the risk to a third party, rather than bearing the cost of controlling the risk in-house. Accept the Risk:- If the probability of occurrence and the impact of a particular risk are minor relative to the cost of controlling it, the company could choose to accept such a risk. Mitigate the Risk:- When risk events have a high likelihood of occurrence, it is often becomes cost-effective to manage the risk in-house. Also, when risks relate to the core business of the company, they are mostly controlled internally.

17 ज ख ब य स थ पनक रणन त सम भ व य (Probability) असर (Impact) तनर द शन Guideline ठ ल ठ ल Avoid ठ ल स न Control स न ठ ल Transfer स न स न Retain/Accept

18 एउट ज ख ल आक ज ख तनम उर दछ 1. Operational Risk 2. Political Risk 3.HR Risk 4. Liquidity Risk Credit Risk 5.Market Risk

19 ज ख एक ल ल ब य स थ पन गन सककर द न यसक ल र ग स क आफ न आफ न भ म क ह न छ

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