MPPSC Mains PYQs

Credit creation is the process through which banks generate new credit in the economy. It begins when a bank receives deposits from customers. Banks are required to keep a fraction of these deposits as reserves, known as the reserve requirement. The remaining amount can be lent out to borrowers. When a bank issues a loan, it does not physically hand over the deposited money; instead, it credits the borrower’s account, effectively creating new money. This process multiplies as loans are redeposited and re-lent, leading to an overall increase in the money supply in the economy, which stimulates economic activity and growth.

Agroforestry-based silk production is beneficial for providing profitable employment to villagers in Madhya Pradesh by integrating tree cultivation with sericulture. This approach allows farmers to grow mulberry trees alongside crops, creating a sustainable environment for silk moths. The dual income from both agriculture and silk production enhances farmers’ livelihoods. Additionally, it reduces dependency on single crops, mitigating risks from market fluctuations and climate change. Villagers gain skills in silk rearing, processing, and marketing, leading to better job opportunities. This sustainable model promotes local economies, encourages biodiversity, and improves overall rural development, making it a valuable source of income for the community.

Madhya Pradesh features diverse cropping patterns based on its varied climatic and geographical conditions. In the northern region, particularly in districts like Gwalior and Morena, wheat and gram are the primary crops. The central region, including Sagar and Damoh, focuses on rice and maize cultivation, benefiting from favorable rainfall. In the southern parts, such as Mandla and Balaghat, crops like soybean and groundnut are prominent due to the favorable agro-climatic conditions. Additionally, cotton and spices are significant in the Malwa region. This diversity in cropping patterns helps ensure food security and supports the livelihoods of farmers across the state.

Several factors inhibit female literacy, particularly in developing regions. Socio-cultural barriers, such as traditional gender roles and societal norms, often prioritize boys’ education over girls’. Economic constraints also play a significant role; families may prioritize limited resources for male education. Additionally, lack of access to schools, particularly in rural areas, and inadequate transportation can hinder girls’ attendance. Safety concerns, including harassment during commutes, further discourage families from sending daughters to school. Furthermore, insufficient female teachers and gender-biased curricula can create an unwelcoming environment for girls. Addressing these factors is crucial for improving female literacy rates and promoting gender equality.