AMI Survey Reflects Cautious Optimism; Respondents Prefer Small Ticket Purchases Over White Goods, Cars, Property And Jewellery

* 40% Of Indians Have Watched IPL At Least Once This Season, 31% Of Those Watched Have Viewed It On A Digital Platform (OTT)

* Over 10639 people surveyed across rural and urban India in between 10th September and 30th September 2021.

* 46% of families will shop clothes over big ticket items on account of Dusshera/Diwali

* 76% of the families will use their personal savings for making purchases this festive season

* 40% of India has watched IPL atleast once, 31% of those watched have viewed it on a digital platform.

* Overall consumer sentiment rises by 1 point in October over last month.

* 33% are buying electronics online while high value items like jewellery; and groceries, are still bought physically

* 27% have increased their usage of UPI/wallet payments, 49% still don’t use it

Axis My India, a leading consumer data intelligence company, released its findings of the India Consumer Sentiment Index (CSI), a monthly analysis of consumer perception on a wide range of issues, for the month of September.

The net CSI score, calculated by percentage increase minus percentage decrease in sentiment, was recorded at +7, rising at a constant pace over the last three months, indicative of a positive shift in consumer consumption metrics.

The sentiment analysis delves into 5 relevant sub-indices – Overall household spending, spending on essential and non-essential items, spending on healthcare, media consumption habits & mobility trends.

This month, Axis My India’s Consumer Sentiment Index also delved deeper to understand perception around festival spends, pre and post Covid behavioural changes in terms of online purchase and UPI/wallet payment and citizen’s interest in IPL.

The surveys were carried out via Computer Aided Telephonic Interviews with a sample size of 10639 people. 59% belonged from Rural India while 41% belonged from urban counterparts covering 28 states and 8 union territories.

Commenting on the September report, Pradeep Gupta, CMD, Axis My India, said, “As the pandemic retreats, we are seeing a steady return to normalcy, but with a cautious control over spending considerations. This is highlighted in the survey as 46% of the respondents will prefer spending on small ticket items such as clothes, while only 11% of the respondents will consider buying a two-wheeler or car. Expenditure on household essentials is more or less same since the last two months. However, expenditure on healthcare decreased compared to last month, suggesting people are being decreasingly affected by the pandemic. While 27% respondents reported an increase in UPI transactions, almost 49% still don’t use UPI/Wallets, suggesting a tremendous opportunity in digital payments. IPL has proved its unparalleled reach and what is emerging as a trend is that audiences are increasingly viewing it on digital especially in tier 3/rural markets which still have electricity cuts & are single TV households." 

Key findings:

* Overall household spending has increased for 56% of families which is same as last month.

* The spends increase on essentials like personal & household care is at 45%. The net score is almost the same as last month which is at +20.

* Spends on non-essential & discretionary products like AC, Car, Refrigerator increased for 19% of families. This increase is highest in North & East whereas the increase in South is only 8%. This increase still reflects an overall decrease by 2 percentage points from the previous month which stood at 21%. This can also be because 20th Sep – 6th Oct is considered the ‘Shradh period’ when high value purchases are postponed. The non-essentials September net score is at +7.

* Health continues to be an important consideration, with consumption on health-related items being increased for 44% of families and decreased only for 19% families. The health score which has a negative connotation i.e. the lesser the spends on health items the better the sentiments, has a net score value of -25.

* Consumption of media reflects increase for 26% families, with an increase of 1 percentage point over last month & consumption remained same for 48%. Net score has improved from -3 last month to the base value of 0 this month.

* Constant improvement in mobility net score is being recorded since past three months which indicates a steady return to normalcy.  In terms of mobility 88% families are saying they are going out the same or more on short vacations/mall/restaurants, with the overall mobility score is at -5 which is an improvement over last month which was at -8. This reflects a slight progress in people’s sentiments in terms of conducting outside activities.

On topics of current national interest:

* When asked on shopping plans for Dusshera/Diwali, 46% of families said they will shop clothes while only 11% intend to buy a 4-wheeler or a 2-wheeler. More than 88% of the families denied any interest in buying white goods (AC, TV, Washing Machine, and Refrigerator) or jewellery this festive season. In addition, 92% showcased negative sentiment towards buying home, plot, or a commercial property. The consumer sentiment for the month also reflects that 76% of the families will use their personal savings for making these purchases while only 21% would prefer taking loan from the bank or financial companies. This gives an indication that while buying spirit is moderate this festive season, the ticket size for purchase still remains small reflecting a cautious spending behaviour without denting one’s personal savings.

* In terms of online shopping behaviours 33% are buying electronics like laptop, mobile etc. online while high value items like jewellery and groceries (fresh food, rice, oil and meat) are still bought physically, indicating the view of 90% and 92% of the consumers respectively. Furthermore, banking and investment behaviour reflect a combination of both offline and online hybrid behaviour standing at 19%.

* 40% of Indian’s mentioned that they have watched IPL at least once. When asked, where will you continue to watch the remaining season of IPL, 31% of those who watching mentioned that they are watching it online. Interestingly percentage of audience watching online is higher in Rural India.

* Reflecting a transformation in consumer payment behaviour in the post-covid period, 27% have said that they have increased their usage of UPI/wallet payments (Paytm/Phonepe, Google Pay) while 49% still don’t use these online transaction mediums. Interestingly the increase in usage of UPI payments is gradually decreased with increase in age of respondents. The increase is highest for the age group of 18-25 years which is at 36%.   

LTI Has Earned The Kubernetes On Microsoft Azure Advanced Specialization

* The specialization is a testimony to LTI’s capabilities on application modernization

Larsen & Toubro Infotech (BSE: 540005, NSE: LTI), a global technology consulting and digital solutions company has earned the Kubernetes on Microsoft Azure advanced specialization, a validation of a solution partner’s deep knowledge, extensive experience and proven expertise in deploying and managing production workloads in the cloud using containers and managing hosted Kubernetes environments in Microsoft Azure.

Only the partners that meet stringent criteria around customer success and staff skilling, as well as pass a third-party audit of their container-based workload deployment and management practices, earn the Kubernetes on Azure advanced specialization.

Siddharth Bohra, Chief Business Officer and Head, Cloud and Data Products, LTI said: “Enterprises need ever increasing efficiency in operations, and cloud solutions make this continuous transformation possible. Microsoft is making it easier for organizations to adopt Kubernetes by bringing the latest learnings and best practices from working with diverse customers to Kubernetes community. Our latest specialization on Kubernetes service capabilities will provide the benefits of portability, agility, and scalability to our customers while modernizing their workloads.”

Rodney Clark, Corporate Vice President, Global Partner Solutions, Channel Sales and Channel Chief, Microsoft added: “The Kubernetes on Microsoft Azure advanced specialization highlights the partners who can be viewed as most capable when it comes to deploying and managing containerized applications in Azure. LTI clearly demonstrated that they have both the skills and the experience to deliver best-in-class cloud-native capabilities to customers with Azure.”

With over 75% of global organizations expected to run containerized applications in production by 2022, many are looking for a partner with advanced skills to migrate their existing containerized workloads to the cloud, or assist them in developing cloud-native applications using container technologies, DevOps patterns, and a microservices approach.

LTI is also a Microsoft Azure Expert Managed Services Provider, a recognition which provides customers an access to expert level service, a broader range of Azure services from IaaS to PaaS migrations, and many more benefits based on LTI’s strong partnership with Microsoft.

About LTI:

LTI (NSE: LTI) is a global technology consulting and digital solutions Company helping more than 435 clients succeed in a converging world. With operations in 31 countries, we go the extra mile for our clients and accelerate their digital transformation with LTI’s Mosaic platform enabling their mobile, social, analytics, IoT and cloud journeys. Founded in 1997 as a subsidiary of Larsen & Toubro Limited, our unique heritage gives us unrivalled real-world expertise to solve the most complex challenges of enterprises across all industries. Each day, our team of more than 36,000 LTItes enable our clients to improve the effectiveness of their business and technology operations and deliver value to their customers, employees and shareholders. Find more at http://www.Lntinfotech.com or follow us at @LTI_Global.

ETMONEY Continues Its Phenomenal Growth, Crosses The Milestone Of INR 500 Cr Of Gross Mutual Fund Sales In A Month

* Investments managed on the platform surpasses INR 20,000 Crore

India’s fastest growing fintech and investments platform ETMONEY has crossed the milestone of INR 500 Crore of Mutual Funds sales in a month. The overall investments tracked and managed on the ETMONEY platform has grown to over INR 20,000 Crore with investors from over 1400+ cities across India.

ETMONEY has accomplished this superlative growth on the back its customer-centric approach and multiple industry-first initiatives. ETMONEY was the first in the country to offer completely paperless video KYC for Mutual Fund investments and launched the country’s first Aadhar-based SIP payment feature. The recent addition of a report card for every Mutual Fund scheme in India has been of immense help for investors.

On achieving this milestone, ETMONEY Founder & CEO Mukesh Kalra said, “This is a major achievement for ETMONEY. Crossing the benchmark figure of INR 500 Crore of gross Mutual Fund sales in a month is a testament to ETMONEY’s commitment to simplifying personal finance for the masses. And with over 40% of our inflows coming via monthly SIPs and more investors joining the platform every month, we are well on track to cross INR 10,000 Crore of gross sales in the financial year 21-22. Along with that, we are also super excited about our new range of products and services lined up to solve the next set of challenges in the evolving fintech space.”

About ETMONEY

ETMONEY is India’s largest app for financial services that is simplifying the financial journey of new-age Indians. ETMONEY helps users take informed investment decisions by helping users invest in zero-commission direct mutual funds for free, protect their families with unique insurance solutions and use ETMONEY Credit Card to take instant loans at low-cost. Growing at 350 per cent yearly, combined with multiple innovative solutions, in less than five years, ETMONEY has added 10 million users on its platform from more than 1,400 Indian cities. ETMONEY manages and tracks over INR 20,000 Crore worth of Mutual Fund investments.

Fanzart Launches Two Unique Hugger Fans- Spinner & Huddle

With the current pandemic ushering in an era of work-from-home, residences are doubling up as work spaces where high-tech options and facilities form a key element in this online work culture. The ubiquitous fans, which is a part of every living and working space, is certainly not spared, more so given the comfort it yields to work in. High-tech solutions in this fundamental ingredient of work and living space have been increasingly sought after and Fanzart, designers & retailers of luxury fans, have been quick to reach out and offer the same.

Fanzart recently launched two exciting new brands of hugger fans to add to its wide range of fans, the Spinner and the Huddle. The unique hugger feature of the fans makes them appear as a piece of art glued to the ceiling.

Hugger fans are designed in a way to give you optimum breeze despite being closer to the ceiling. . With FSI levels being limited and the height from floor to ceilings becoming lesser, some new homes have been facing this challenge of accommodating a fan. Hugger fans are the answer to your lower ceiling heights .

Spinner- Sleek & arty

Spinner, inspired from the modern Scandinavian art, is Fanzart’s first hugger fan. The 48-inch sleek, arty Spinner is powered by a brushless DC motor, with a whopping 9865 CFM of airflow combined with the Summer-Winter features which enable bi-directional rotation. Anticlockwise gives cool breeze during summer and clockwise allows circulation and provides with warm and cosy feeling during winters. The breezy multi-functional Spinner comes in matte white finish and also a unique sand-gold, with a choice of multi-colour LED options. The LEDs also provide a dimming facility to tune into the individual mood.

Huddle- Contemporary, yet antique

Huddle, being the other hugger fan, is unique, distinctive with its contemporary design and antique brass colour. The contrasting wooden blades lend a crafted look to the fan. Given its sweep of 52 inches, Huddle offers the airflow of 9890 CFM and runs on an AC motor. Its remote controlled option permits operation of the fan from any part of the room.

Speaking on the launch of the two new brands, Tarun Lala, Director& Co-Founder, Fanzart says, “Fans are no more mere functional elements in a space but form part of the décor. The appearance of the fans hence matters since these fans are equally as much as an art piece as a functional product. The users also look for high-tech options which give them the choice of remote operation as well as alterations in functionality to tune in with individual needs and moods. The recently launched hugger fans Spinner and Huddle cater to this segment of demand, offering a high-tech solution, packaged in an artistic composition.” 

About Fanzart

In the 10 years since its entry into the market, Fanzart has risen to prominence as a pioneer and leader in the luxury designer fans segment. With showrooms across the country, Fanzart is a name to reckon with in the luxury interior segment with its niche offerings. The products are also shipped internationally and have made a mark for themselves. 

For more details and online purchase please log on to www.fanzartfans.com

Akshaya Patra Foundation Honored With Mahatma Award For 2021

* The Akshaya Patra Foundation, a Bengaluru-based not-for-profit that strives to address malnutrition and supports the right to education of socio-economically disadvantaged children through the Mid-Day Meal (MDM) Program, bagged the prestigious award in the ‘Mahatma Award for COVID - 19 Humanitarian Effort’ category

The Akshaya Patra Foundation, a Bengaluru-based non-profit organization running one of the world's largest school meals project in India, has been awarded the ‘Mahatma Award for COVID - 19 Humanitarian Effort’.

Dr. Kiran Bedi, Honorable Chief Guest, along with Award Founder, Mr. Amit Sachdeva and other Distinguished Guests presented the prestigious award to Shri Bharatarshabha Dasa, Regional President – Delhi NCR, UP & Uttarakhand, The Akshaya Patra Foundation, at the India International Centre, New Delhi, India.

Shri Bharatarshabha Dasa said, “Since inception, The Mahatma Award has honored the private, public, and development sectors around the world who have been contributing immensely towards accomplishing sustainable, responsible and social initiatives. It’s a matter of pride for Akshaya Patra to be felicitated for the efforts we make towards philanthropy, shared value, and corporate social responsibility by ‘Mahatma Award for COVID - 19 Humanitarian Effort.’ We will continue our efforts to contribute towards social impacts and lead the way to a sustainable future.”

Appreciating Akshaya Patra's incredible endeavor, Mr Shridhar Venkat, CEO, said, “It is a matter of great honor for The Akshaya Patra Foundation to be bestowed the Mahatma Award 2021 for the COVID-19 Humanitarian Efforts category. It validates our efforts to support the health of our beneficiary children and communities in these times of adversity. I want to extend my sincere gratitude to all the jury members for recognising our efforts. I also want to thank the Government of India and state governments for placing trust in us and providing us the opportunity to serve the people of our country.”

The Akshaya Patra Foundation aims to address malnutrition and support the right to education of socio-economically disadvantaged children of the nation and beyond. With this vision, the organization has been concerting all its efforts towards providing fresh and nutritious meals to children on every school day since 2000.

Today, Akshaya Patra has 58 kitchens spread across 12 states & 2 Union territories of India, a result of the successful partnership with the Government of India, various State Governments, and generous supporters. 

Since March 2020, The Akshaya Patra Foundation turned all its resources to undertake Food Relief across the country. The Foundation served at-risk communities with Wholesale (Cooked) Meals and Grocery Kits, expanding food relief to support the Mid-Day Meal beneficiaries with Happiness Kits. At present, Akshaya Patra has expanded Relief Efforts and is constantly adapting its service offerings to meet the need of the day.

Since March 2020, Akshaya Patra has been undertaking food relief in 20 states and one union territory through its network of kitchens. As of 30 September 2021, the Foundation has cumulatively served over 18.72 crore meals to vulnerable populations. These include 9.03 crore cooked meals, 14.44 lakh essential grocery kits (42 meal servings), 15.57 lakh Happiness Kits for MDM beneficiaries (20 meal servings), 45,159 Family Happiness Kits (120 meal servings), 36,595 Raksha Kits (21 meal servings) and 5,350 Shakti Kits (42 meal servings).

About The Akshaya Patra Foundation:

The Akshaya Patra Foundation is an NGO headquartered in Bengaluru that strives to eliminate classroom hunger by implementing the Mid-Day Meal Scheme in the government schools and government-aided schools of India. The organization’s fruitful partnerships with the Government of India and various State Governments, along with the persistent support from corporates, individual donors, and well-wishers have helped them to grow from serving just 1,500 children in 5 schools in 2000 to serving 1.8 million children. Today, Akshaya Patra is the world’s largest (not-for-profit run) Mid-Day Meal Programme serving wholesome food every school day to over 1.8 million children from 19,039 schools across 12 states and 2 union territories of India.

EatFit Integrates MapmyIndia APIs To Provide A Hyperlocal Delivery Experience!

* EatFit Has Integrated Its Web & Mobile Applications With MapmyIndia APIs To Enhance Delivery Practices & The User Experience

EatFit, one of India’s largest healthy food platforms, and MapmyIndia, India's leading location technology and digital maps company, have announced that EatFit will be integrating MapmyIndia’s Location APIs that will enable it to improve app experience, reduce its delivery times & create incredible value for its consumers.

In recent times, food delivery has become a staple part of the household, and with the pandemic, ordering in food has never been more convenient or safe. Keeping this in mind, MapmyIndia’s Location APIs aim to make the food delivery experience customer centric.

In this alliance – MapmyIndia augments the EatFit applications in several ways to enable maps functionality through their address picker and auto suggest features. Additionally, to aid in accurate delivery, MapmyIndia provides the routing algorithm for tracking & distance matrix APIs to find the enable EatFit kitchen discoverability & hence optimize the delivery network. 

EatFit & MapmyIndia aspire to provide users with the ultimate food delivery experience that can help make India healthier & hyperlocal by utilizing the best-in-class location tech that MapmyIndia has built for the entirety of India. Currently, EatFit is present in Bangalore, Hyderabad, Mysore & Coimbatore, and further planning expansion across India.

Commenting on the development, Ankit Nagori, co-founder, EatFit said: “At its core EatFit is all about its customers. We strive to keep serving the best and healthiest food options to them at their convenience and offer great customer experience across the board. The integration of MapmyIndia into our app is a step further in this direction. We believe that their highly-capable team will help elevate hyperlocal navigation and strengthen our delivery network, thus making ordering in food from EatFit a far superior experience.”

"We’ve been great fans of EatFit as a business, and Ankit as an entrepreneur, and are excited about the benefits they are bringing to users. We’re happy at MapmyIndia to  move a step ahead in our endeavour to deliver cutting edge, location-based cloud services. By integrating our Location APIs with EatFit, we are not just offering our services but also aspiring to provide a much faster delivery & a healthier experience to the Indian consumer. Whether someone is at home or on the go, they can use EatFit to order a healthy meal” says Rohan Verma, CEO & Executive Director at MapmyIndia.

About EatFit

EatFit is one of India’s largest healthy food platforms. The company serves a wide range of bold food options while retaining the honest, clean, and healthy aspect that EatFit has been known for since 2017. The company currently operates 15 outlets. Headed by Ankit Nagori, co-founder of Curefit, EatFit aims to expand the reach and acceptance of healthy food across the nation. At its core, the company is all about making healthy food fun, delicious and honestly Indian. In 2020, EatFit was hived off as a separate entity from Curefit. Since then, it has been operating independently to capitalise on India’s growing cloud kitchen segment.

About MapmyIndia (C.E. Info Systems Ltd)

MapmyIndia is India’s leading provider of advanced digital maps, geospatial software and location-based IoT technologies. Headquartered and founded in New Delhi, India, MapmyIndia pioneered digital mapping in India in 1995, and provides comprehensive, accurate, feature-rich and detailed digital data for all India, covering cities, towns, villages, roads and places across India in detail. MapmyIndia’s AI-powered, 4-dimensional, High-definition, Information-rich and Hyper-Local “Digital Map Twin” digitally and geospatially represents the dynamically changing real-world in near real-time and includes our ‘RealView’ maps that provide actual roadside and on-ground views based on geo-referenced photos, videos and 360-degree panoramas across India. Beyond maps, MapmyIndia provides a suite of software and IoT products, platforms, APIs and solutions across advanced mapping, location search, route optimisation, navigation, N-CASE mobility, telematics, geospatial analytics, geospatial and GIS technologies, AI, workforce automation, and enterprise digital transformation. MapmyIndia serves new-age tech companies, app developers, automotive OEMs, enterprises across the private and public sector, and individuals. Also, MapmyIndia’s consumer app won the Government of India’s Aatmanirbhar App Innovation Challenge in 2020. MapmyIndia has extended its footprint beyond India and provides its solutions to the rest of the world under the Mappls brand.

India's Olympic Champions Mirabai Chanu And Bajrang Punia To Endorse Amrutanjan’s Pain Management Range

* The Olympic 2020 medal winners will feature in the brand’s upcoming campaigns and on-ground initiatives

Amrutanjan Healthcare, a 128-year-old company with a rich legacy and a pioneer in India's healthcare industry has signed the Champions of Tokyo 2020 Olympic Games, Weightlifting Silver medalist Mirabai Chanu and Wrestling Bronze medalist Bajrang Punia, as brand ambassadors.  

The Olympic champions will endorse the company's portfolio of Advanced Body pain management products which includes Back Pain Roll-On, Joint Muscle Spray, and Pain Patch.

As top-class sportspersons, these athletes have won honours for India on a global platform but the road to success in sports has never been easy. These players had to overcome their fair share of pain, hardship, and challenges.

Amrutanjan, a pioneer in pain management since 1893, has been helping millions of Indians to overcome pain and through this partnership, it will highlight its Body pain management products by narrating not only the success stories of these athletes but also their hardships on their journey towards excellence.

As part of the partnership, the brand ambassadors will feature in a series of campaigns including television and digital commercials for Amrutanjan’s Advanced Back Pain Roll-On, Joint Muscle Spray, and Pain Patch. All these products are a unique blend of health, science, and nature and are loyal to the roots of Ayurveda.

Both the athletes will also appear in various initiatives such as consumer and customer outreach programs.

Commenting on the association Mr. S. Sambhu Prasad, Chairman and Managing Director Amrutanjan Healthcare Limited said, “Amrutanjan has always been a pioneer in pain management products, and is India’s trusted choice for effective pain relief over the years. As a company, we are always striving to enhance the quality of life of consumers through our innovative products. Our expertise lies in combining science with the naturalness of Ayurveda and we have been honing this since 1893. Our products are known for being efficacious in providing the relief that our consumers seek. We are against the use of synthetic chemicals like Diclofenac which are known to cause serious side effects to personal health and impacts the larger environment”

The company is now focused on growing its portfolio by offering more superior pain management products that come with performance-based claims backed by scientific clinical trials. As a proud Indian brand, it gives us immense pleasure to sign our Olympic champions as our brand ambassadors. They have overcome immense odds to achieve success for our country on a global stage and we are proud to have them on board”. 

Mr. Mani Bhagavtheeswaran, Chief Marketing Officer, Amrutanjan Healthcare Limited, said, “Mirabai and Bajrang have emerged as role models and youth icons for the future generation. They embody the spirit of never giving up despite pain or setbacks and that's a value our brand resonates with. Through this collaboration and stories of the athletes we want to highlight the fact that pain can be overcome and it should not stop you from achieving your dreams.”

Ms. Mirabai Chanu said, “I am very excited to partner with Amrutanjan to promote their portfolio of pain management products. As an athlete, we have to endure physical pain and yet continue to perform. On days when the pain is almost unbearable, Amrutanjan’s range of products such as Pain Relief + Patch and Back Pain Roll-On has come to my rescue. It's Hot Action’ heat therapy starts working within 30 seconds to give instant and long-lasting relief”

Mr. Bajrang Punia said, “As a high-performance athlete, I am always looking for any edge that I can get over my competition and am looking forward to using Amrutanjan's Joint Muscle + Spray to help me in relieving joint, muscle, and overall body pain. Moreover, for athletes in combat sports like wrestling, recovery is just as important as peak performance. This spray reaches the affected muscle and kicks out pain instantly making it helpful for quick body recovery after an intense training session or between competition bouts."

About Amrutanjan Healthcare Limited (Amrutanjan Healthcare)

Amrutanjan Healthcare Limited (Amrutanjan Healthcare) is a 128-year-old company with a rich legacy and is best known for its iconic brand Amrutanjan Pain Balm. A purpose-driven and innovative company, Amrutanjan Healthcare offers a versatile product portfolio. Its flagship brand, Amrutanjan, is a pain management expert that manufactures high-quality products using scientifically proven natural ingredients. Its expertise lies in combining science and naturalness, rooted in Ayurveda. Amrutanjan Healthcare believes in ethical business practices and strictly stands against the use of chemicals such as Diclofenac which have harmful side effects. Apart from pain management products, Amrutanjan Healthcare offers products in other categories including cold and congestion products (Relief Cold rub, Inhaler & Cough syrup), beverages (Fruit based rehydration drink Electro+ and Fruitnik), women’s hygiene products (Comfy Snug Fit sanitary napkins).

As a company, Amrutanjan Healthcare is employee-centric and endeavors to provide a culture that accepts new ideas, embraces change, and encourages innovation. The company's commitment to supporting inclusive growth is uncompromising which is proven through the social services undertaken for generations by the company. The company is actively engaged in the fields of education for the deprived sector, preventive health, environment protection, animal welfare, and women empowerment.