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HUMAN CHALLENGES IN WEAVING INDUSTRY: PROBLEMS TO EMPLOYEES(2)

EMPLOYEES(2)

Working Conditions

The factories of weavers own very bad working conditions. There will not be proper ventilation, restrooms, water facility and toilets. Some factories will be so congested that the weaver will not have a proper place to stand and work.

Lack of Awareness about the Benefits Available

Weavers have many benefits from the state and central government. But most of them are not aware of any of them. One of the strong reasons is their education level. The second reason is, they are could not take out some time to know about the facilities since each minute is important to produce the cloth. That is their piece of bread, which they do not want to miss.

Medical Benefits/ Securities

Weaver’s standard of living and level of income is lower than middle class people of the society are. Their average income per week will not cross Rs. 1500 to Rs. 2000 in Bangalore. The cost of living in Bangalore is becoming higher and higher every day. With the maximum income of Rs. 8000, how difficult it would to be fulfilling the basic needs? How will they think about going for medical securities?

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Representative APR 391%

Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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