RESOURCE MAPPING OF BIHAR &
STRATEGIC ACTION PLAN FOR DEVELOPMENT
Prepared Jointly By :
Gherzi Eastern Ltd.
&
Genesis Fintec Ltd.
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
BACKGROUND & OBJECTIVES
FLOWCHART OF OVERALL STRATEGY
- Facilitating Business & related Infrastructure
- Strengthening & Installing support systems
A. Facilitating Business & related Infrastructure
1. Potential sectors identified
2. Sub Sector /Industry wise info
3. Summary of parks & RBHs
B. Strengthening & Installing support systems
Enable & facilitate
- Infrastructure Development
- Financial Network
Strengthen
- Research & Capacity Building
Install
- Policy Initiatives suggested
- Project Implementation mechanism
CONCLUSION
I Map
II Current Situation
III Strategic Solution
IV Business Models
Gherzi - Genesis
Sectoral Composition of GSDP
48.78 40.85 42.00
9.9212.08 9.02
41.29 47.06 48.98
0%
20%
40%
60%
80%
100%
1993-94 1999-2000 2004-05
Tertiary
Secondary
Primary
Over the decade, the share of secondary sector has remained at a level of 9%
• With the registered manufacturing having become a small sub-sector yielding a larger share to the construction activities
• negative growth rate in manufacturing
The increase in tertiary sector share reveals that the economy is witnessing a process of tertiarisation much before a process of industrialisation
Background
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Objective of the study
So a comprehensive development strategy for the development of Bihar is called for and would require a ‘multidimensional approach across sectors’
So the major challenges sought to be addressed through this study are to:
Provide Linkage for Farm & Non-farm produce with industry /business to ensure that rural masses & artisans are economically empowered
Add Value to the primary produce within the state so that the secondary sector grows and the economy of the state develops
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Identify major resources & bring
in anchor industries as prime movers
Create a higher no. of smaller oases
(RBH) to facilitate linkages into the rural hinterland
(RBH - PPPP model)
Create a few oases of
competence / Parks as Hubs (PPP model)
Gherzi - Genesis
OVERALL STRATEGY
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Creation of core
Infrastructure
Enable & facilitate
Research
Strengthen Institutions & Resources (Public sector & PPP model)
Credit flow into identified sectors
Capacity building
Project implementation mechanism
Pragmatic Policy
Install
Gherzi - Genesis
OVERALL STRATEGY
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Fruits & Vegetables
Cereals & Pulses
Spices
Potato
Makhana Herbal & medicinal Plants
Jute
Sugarcane
RESOURCE GROUP ACTIVITY & SPECIFIC RESOURCES
INDUSTRY SEGMENT FOR RESOURCE UTILIZATION/ REVITALISATION
Milch Cattle & Dairy Farming activity
Bees & Orchards, Apiary activity
Gherzi - Genesis
Water bodies / rivers & fishery skills
Agriculture & Horticulture Agro & Food
Processing Industry
Herbal Medicine & Aromatic Industry
Jute Industry
Sugar Industry
Animal Husbandry & Allied Sector
Milk Processing
Honey
Fisheries
POTENTIAL SECTORS IDENTIFIED
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Poultry Farming & Animals Rearing
Animal Hides
RESOURCE GROUP ACTIVITY & SPECIFIC RESOURCES
INDUSTRY SEGMENT FOR RESOURCE UTILIZATION/ REVITALISATION
Gherzi - Genesisc
Handicraft Skills
Handloom Weavers & Looms
Limestone
Steel scrap, Sponge Iron, Ingots & Millets
Places of Heritage, Culture, & Religious interests
Animal Husbandry & Allied Sector Poultry & Meat Processing
Leather
Handicrafts
Handlooms
Handicrafts
Handlooms
Minerals Cement Industry
SteelMini Steel, Secondary
Steel & Castings
TourismHospitality & Tourism
Industry
POTENTIAL SECTORS IDENTIFIED
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Agriculture & Horticulture
Sector wise development strategies
Fruits & Vegetables
Cereals & Pulses
Spices
Potato
Makhana
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Food Parks under PPP Model are suggested at Hajipur (Vaishali), Purnea, Bihta (Patna) and Begusarai
Suggested supply chain model for agro & Food Processing
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Agriculture & Horticulture
Sector wise development strategies
Jute
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RBHs earmarked for agri products are suggested for use 1 No. of Park is suggested at Purnea with backward linkage 3 No. of Jute Mills are suggested at Jute Park with backward linkages 10 No. of Processing Units for weaving are suggested at Jute Park with backward linkages 50 No. of Units for Jute Diversified Products are suggested at Jute Park with backward linkages
Current situation
Availability of raw jute: ******
Jute cultivator sells to Agents/ JCI for minimumPrice
Strategic solution
Set up a Jute Park at Purnea
Procure raw jute through RBHs (using existing agricultural mandis in nearby districts)
No value addition in the state
Business Models Location Investment potential (Rs Cr)
Employment potential
Jute Park Purnea 20 100
Jute Mills & Processing units
Jute Park at Purnea
165 5350
Total 185 5450
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Animal Husbandry & Allied Sector
Sector wise development strategies
Milch Cattle & Dairy Farming
activity
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Current situation
50 lac MT of raw milk produced in Bihar annually, of which only 5% is processed
Strategic solution
Involve SME for milk processing independently, or as JV/ Franchisee of COMPFED/ Branded Players
Business Models Location Investment potential (Rs Cr)
Employment potential
Bulk Coolers (60 Nos.) 30 designated milk-shed Districts
4.5 120
Comm. Dairy Farms (45 Nos.)
4.5 225
AI services (60 Nos.) 1.2 120
Cattle Breeding Farm (3 Nos.)
Muzaffarpur, Saharsa, Bhagalpur
1.05 60
Milk Processing Units (9 Nos.)
Gaya, Gopalganj, Motihari, Muzaffarpur, Saharsa, Bhagalpur, Aurangabad, Purnia, Darbhanga
45 450
Milk Powder Plant (1 No.) Khagaria 1.5 30
Ice Cream Plant (3 Nos) Muzaffarpur, Barauni, Gaya 3 90
Cattle Feed / Fodder block mfg Unit (3 Nos.)
Barauni, Biharsharif, Bhagalpur 2.25 45
Total 63 1140
Limited storage, transportation & processing infrastructure
Involve farmers/ SHGs/ local entrepreneurs at Village/ Block level for bulk cooling & transportation facilities
Set up Commercial Dairy Farms; Mobile Vet/ AIServices at farm gate to improve animal health; More Cattle Breeding Farms to increase productivity
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Animal Husbandry & Allied Sector
Sector wise development strategies
Bees & Orchards, Apiary activity
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Animal Husbandry & Allied Sector
Sector wise development strategies
Water bodies / rivers & fishery skills
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Aqua Park under PPP Model is suggested at Muzaffarpur & Bhagalpur
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Animal Husbandry & Allied Sector
Sector wise development strategies
Poultry Farming & Animals Rearing
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Suggested supply chain model for poultry & meat processing
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Animal Husbandry & Allied Sector
Sector wise development strategies
Animal Hides
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Leather Parks under PPP Model are suggested at Muzaffarpur & Katihar
Current situation
Availability of raw hides: 36 lakh pieces
Only few private units for Primary processing at Muzaffarpur: raw to wet blue stage
No secondary processing. Wet blue leather is sent to Kolkata, Kanpur & Chennai for final processing
Strategic solution
Set up leather park at Muzaffarpur and Bihta
Local units will get finished leather from thetanneries
6003Muzaffarpur, Baruini, Siwan
Revive leather tanning units
6600
200
5000
800
Employment potential
2Bihta (Patna), BetiahRevive leather processing plant
Investment potential (Rs cr)
Location Business Models
125Total
100Tanneries
20Parks at Muzaffarpur & Katihar
Processing units
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Handicrafts
Sector wise development strategies
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Suggested supply chain model for Handicrafts
Create marketing outfit for ‘bihar brand
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Handlooms
Sector wise development strategies
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
handloom
Current situation
40000 handlooms and 90000 skilled weavers (approx); majority of weavers have shifted to otherProfession; the weavers are unable to cope with the market demand
No Design, Dyeing, Printing & Quality testing facilities Or are located far beyond the reach of the weavers
Strategic solution
Cluster based CFC to be developed by involving NGOs like ASEED, that is easily accessible to the weavers
Thus proper market linkage, financial assistanceand access to all facilities under one roof will lead to increased production
Business Models Location Investment potential (Rs Cr)
Employment potential
Common Facility Centre with market Hub
Bhagalpur, Gaya, Banka, Madhubani, Nalanda
12 400
Revive Central Processing Plant, Finishing Plant, Dyeing & Cooperative Spinning Mills
Biharsarief, Darbhanga, Bhagalpur, Pandaul, Siwan
15 2000
Total 27 2400
Common Facility Centre with market Hubs under PPP Model are suggested at:
1. Bhagalpur – Champanagar, Puraini, Tirpainti, Kharikbazar2. Gaya – Maanpur3. Banka 4. Madhubani 5. Nalanda - Biharsarief
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
cement
Current situation
Bihar is a net steel importer
Currently construction steel units are operating mainly around Patna
Raw material (coal & iron ore) for DRI/Sponge iron plants accessible from Jharkhand/ Orissa
Strategic Solution
To target regional demands in Infrastructure projects
Competitive advantage of skilled pool of human resource
Plants near markets are the trends everywhereThrust on mild steel ingots through induction furnace route
Prioritize production of long products
Linkage with the miners on long term basis
Business Models Location Investment potential (Rs Cr)
Employment potential
Pig Iron with Mini Blast Furnace route
Dalkhola 20 150
Sponge Iron(DRI) Patna area 20 200
Ferro Alloy Unit Patna area 12 120
Wagon making Heavy Unit Muzaffarpur 100 600
Mini Steel Plant Patna, Vaishali, Muzaffarpur 140 1200
Mini Integrated Steel Plant 250
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Current Situation Strategic Solution
No holistic Plan for developing this sector
Prepare Master Action Plan for Brand building and promotion Location specific Projects and Related infrastructure and amenities
Form a State Tourism Promotion Board with a Task Force to monitor implementation of programs & projects
Create a Tourism Development Fund
Little incentive for private participation
in this sector. Not treated as a potential revenue earning industry.
Encourage private sector to take the lead in setting up Hotels, Restaurants, Tours, Parks & other projects in the State.
For operations of Government run hotels, restaurants etc, tie-up with private players where feasible
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Action Points Model Relevant Sub Sector / Industry
Develop Parks Get the identified Parks developed by Private developer (PPP model) - Should be set up & maintained by SPV on BOT basis
Agriculture & Horticulture: - Fruits & Vegetables - Cereals, Pulses, Spices, Potato & Makhana - Jute Animal Husbandry/ Agriculture Allied Sector: - Leather - Fisheries
Create Rural Business Hubs (RBH) with customized common facility centres
For the agricultural products, the existing Infrastructure under the erstwhile bazaar samitis can be redesigned and redeveloped to suit the Industry needs through Private players (under PPPP model) and for other sectors new Infrastructure to be developed thorough Pvt. Players (under PPPP model)
Agriculture & Horticulture - Fruits & Vegetables - Cereals, Pulses, Spices, Potato & Makhana - Herbal & Medicinal Plants - Jute Animal Husbandry/ Agriculture Allied Sector: - Fisheries - Poultry Farming & Animal Rearing Handicraft Handloom
Enable setting up of related infrastructure
Appoint a Project Management agency to help the department in implementing the identified projects
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Location Type of Park/Mega growth centre
Size (acres)
Designated code for this report
Remarks
Food Parks
Purnea Food Park & Terminal market (F&V based)
100 FP-II Instead of Madhepura
Bihta Food Park 100 FP-III Agri based
Hajipur Already proposed
Begusarai
Aqua Culture Park
Mazaffarpur Aqua Culture Park ACP 1
Bhagalpur Aqua Culture Park ACP 2
Leather Park
Mazaffarpur Leather Park LP1
Katihar Leather Park LP2
Jute park
Purnea Jute park JP1 Instead of the one proposed at Fobesganj / Katihar
Summary of parks and business hubs
Restructure BIADA and Restructure the existing Industrial Areas
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Summary of parks and business hubs
Cluster based rural infrastructure
Proposed Number
Location Function
Agriculture & Horticulture
Rural Business Hub for Agri & Horti Produce
100 (as per list in Annexure 6.7C)
Nodal point of all market linkages, extension and capacity building activities. For all the resources falling under the Agri & Horti group like, Cereals & Pulses, Fruits & Vegetables, Medicinal & Aromatic Plants, Spices, Makhana, & Jute. This hub will also be used for products like Honey.
Animal Husbandry / Agriculture Allied Sector
Rural Business Hub for Fishery activity
32 As per Table 12.4
Conduit for market linkages, extension activities and capacity building of fish farmers. Will also prove to be catalytic for fishery activity
Rural Business Hub for Poultry & Meat
32 As per table 13.4
The hub will act as a nodal point between the poultry / livestock farmers & processors as well as markets
Handicraft
Rural Business Hub for Handicraft
21 As per table 15.4B & 15.4C
RBH will act as a conduit points for providing market linkages and technical inputs to artisans
Handloom
Business Hub with CFC 8 As per table 16.
This business hub with CFC will help weavers in accessing common facilities and in creating marketing linkages
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
**********************
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Sector Current Situation Strategic Solution
Power Huge Demand- Supply Gap, though beginning to show improvement
AT&C losses 70% against national average of 40%
State Generation practically Nil
Restore the non-functioning power stations at Barauni, Muzaffarpur and Kosi Hydel
Industry should get Priority for power distribution . Provide un-interrupted supply to Industrial Parks & RBHs
Invite Private sector participation for generation. Transmit & distribute Electricity under PPP model
Provide incentives to industries with captive power generation
Roads Road connectivity still poor in most areas of State.
Connect all proposed Parks & Hubs with hinterland & major towns with 2/4 lane roads on priority
Air & Rail Poor Air connectivity, except for Patna city
Inadequate facilities for promoting Exports
Passenger / Freight movement within State unreliable / uneconomical
Conduct feasibility for rejuvenating 25 old Air strips & Feasibility for new Airports at Raxaul and Birpur. Improve passenger amenities at Patna
Build a Air Cargo Complex at Patna.
Initiate - Fast inter-city express trains & upgraded, fast & reliable freight movement. Take up the matter with the concerned Ministry
Assessment of Infrastructural needs
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Sector Current Situation Strategic Solution
Industrial Infrastructure
Most Industrial Estates resemble industrial graveyards
Infrastructure/ facilities non –existent
Large portions of land locked in Units closed down
Substantial vacant land in Estates lying un- utilized
Prepare an overall Restructuring PlanRestructure working of BIADA
Hand over O&M of Estates to private players under PPP modelConduct viability study of sick / closed units and Unlock / Recycle land held by unviable Industrial Units
Develop contiguous portions of vacant land in PPP model as specialized Parks through private developers
IT Connectivity Exploitation by middlemen due to lack of knowledge & information amongst rural farmers
Information flow for State Administration very poor
Connect identified Rural Business Hubs / Clusters through IT backbone on priority under ‘Common Service Centers’ schemeEstablish therein e- kiosks or Gyan Chaupals under PPP modelSet up SWAN (State Wide Area Network) For state level connectivity under PPP model
Assessment of Infrastructural needs
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Institutions Current Situation Strategic Solution
Central Financial
Institutions/ Banks
Poor Recovery & CD ratio track record
Set up Special Cell to co-ordinate & monitor implementation of resolutions
Cell to monitor and ensure. Time bound Action from Banks for Innovative models of lending, to increase credit
flow Special packages for specific sectors Special focus for MSMEs Liberal margin/ security norms
Lack of focus & cohesiveness between Institutions & State
Requirements of private sector in Bihar not being understood by Banks/ Institutions
Rural segment not being reached effectively
Fund SHGs through micro-finance. Involve NGOs for capacity building
State Financial Institutions
All State Financial Institutions are defunct
Restructuring Plan by professionals with an objective to : Merger of entities Rationalization by closing / merging unviable
branches Increasing fee based activities like consultancy
services for improving bottom line Appoint competent professionals for
administration & credit appraisals Adopting an overall need based and customer
friendly approach
Paucity of Funds to participate in Industrial Revival
Create initial corpus through state intervention or public issue / private placements,
Tie-up with Commercial Banks for consortium lending and refinancing
Financial
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Action Points Model Relevant Sub Sector / Industry
Set up Research & Development Institution
Set up under Public Sector
Agriculture & Allied Handloom Handicraft
Rejuvenate & set up Testing labs & Quality control
Operations on franchise basis through graduates
Appoint Inspection & Monitoring Agency
Involving NGOs
Organising SHGs / setting up co-operatives
Involving NGOs
Extension services / Capacity building & Training
NGOs / graduates to be involved on franchise basis
Rejuvenate & set up Seeds farms / nurseries / hatcheries
Set up new ones & bring existing set ups under Joint Venture (PPP)
Agriculture & Allied
Operate Vet hospital, clinics; AI centers
Operations on Franchise basis (under PPP)
Animal Husbandry
Enable credit inflow NGOs – Banks linkages to be established Special cells to liaison with NABARD / Banks to enable increase in outlay
Entire primary sector
Measures for Capacity Building
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Research & capacity Building
Simply allocating funds to ineffective delivery institutions is not likely to bear any result The thrust should be to leverage public resources through
The participation of local communities
The ingenuity of private sector
Only then, PPP can prove to be effective
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Project Implementation
Set up directorate of food processing Project management agencies for various sub sectors / Industries
Policy initiative
Capital subsidy support is very much needed for inducing any appreciable investment in Bihar
Capital subsidy on Plant & Machinery @ 25% subject to a maximum of 100 lacs
Interest subsidy @3% on working capital
Study for revival of ailing industries
Initiatives at farm level
Encouragement of SHGs
Allowing contract farming with safeguards
Involvement of panchayats
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Gherzi - Genesis
Policy initiative
RESOURCE MAPPING OF BIHAR & STRATEGIC ACTION PLAN FOR DEVELOPMENT
Top Related