{"id":23313,"date":"2021-01-03T11:30:25","date_gmt":"2021-01-03T06:00:25","guid":{"rendered":"https:\/\/corpbiz.io\/learning\/?p=23313"},"modified":"2021-01-02T17:47:16","modified_gmt":"2021-01-02T12:17:16","slug":"msme-samadhaan-to-recover-unsettled-debt","status":"publish","type":"post","link":"https:\/\/corpbiz.io\/learning\/msme-samadhaan-to-recover-unsettled-debt\/","title":{"rendered":"An Overview on MSME Samadhaan to Recover Unsettled Debt"},"content":{"rendered":"\n<p class=\"has-drop-cap\">The central Government enrolled the respective initiatives (MSME Samadhaan) to safeguard the payments of <a href=\"https:\/\/corpbiz.io\/msme-registration\"><strong>registered MSMEs<\/strong><\/a> (Micro, Small or Medium Enterprises). The topical growth in the contemplation given to the Micro, Small, and Medium Enterprises (MSME) sector ensures an influential economic growth from the initial stage. The assimilated accountability of the MSMEs sector requires to be covered potentially to acquire their unrecovered dues. <\/p>\n\n\n\n<p>The Ministry of finance, under the Government of India&#8217;s\nguardianship, dated 24th March 2020, issued a Press declaration which specified\nvarious advantages by arranging the MSMEs sector as the utmost priority. The\nprospect and possibility in the termination of Sec 7, 9, and 10 of the\nInsolvency and Bankruptcy Code, 2016 (IBC) have also been anticipated through\nthe Press release and various media articles. <\/p>\n\n\n\n<p>In this state of affairs of the IBC, the MSMEs generally\nparticipate as Operational Creditors and have limited participation and\ninvolvement in the corporate insolvency resolution process of Corporate\nDebtors. With the fresh situation and the changes put together in IBC, while\nthis sector will benefit as a corporate debtor; there is limited relief that MSMEs\nmay receive through Debt Recovery through Civil Suits and hence we look into an\nuninvolved and an uncomplicated fascinated ways through MSMED Act, 2006<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Page Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/corpbiz.io\/learning\/msme-samadhaan-to-recover-unsettled-debt\/#MSME_Samadhaan_to_Safeguard_the_Payments_of_Registered_MSMEs\" >MSME Samadhaan to Safeguard the Payments of Registered\nMSMEs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/corpbiz.io\/learning\/msme-samadhaan-to-recover-unsettled-debt\/#MSME_SAMADHAAN-_Delay_Dues_to_Micro_Small_Enterprises_under_MSMED_Act_2006\" >MSME SAMADHAAN- Delay Dues to Micro &amp; Small Enterprises under MSMED Act, 2006<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/corpbiz.io\/learning\/msme-samadhaan-to-recover-unsettled-debt\/#The_MSME_Samadhaan_Portal_%E2%80%93_An_Easy_approach_to_Lodging_Complaint_under_MSEFC\" >The MSME Samadhaan Portal &#8211; An Easy approach to Lodging Complaint under MSEFC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/corpbiz.io\/learning\/msme-samadhaan-to-recover-unsettled-debt\/#Effect_of_MSMEs_Samadhaan\" >Effect of MSMEs\nSamadhaan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/corpbiz.io\/learning\/msme-samadhaan-to-recover-unsettled-debt\/#Legal_Provisions_available_to_Recover_Pending_Debts\" >Legal\nProvisions available to Recover Pending Debts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/corpbiz.io\/learning\/msme-samadhaan-to-recover-unsettled-debt\/#Problem_of_Unsettled_Dues_in_MSME_Sector\" >Problem of Unsettled\nDues in MSME Sector<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/corpbiz.io\/learning\/msme-samadhaan-to-recover-unsettled-debt\/#_Conclusion\" >&nbsp;Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"MSME_Samadhaan_to_Safeguard_the_Payments_of_Registered_MSMEs\"><\/span>MSME Samadhaan to Safeguard the Payments of Registered\nMSMEs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A company or any other entity\/establishment who all\nenrolled themselves under MSME and facing trouble to recover long unresolved\ndues from their clients may approach the MSME Samadhaan department to take\nsteps and measures against them.<\/p>\n\n\n\n<p><em><strong>The Following listed process shall be approached by above said MSMEs entity before the MSME Samadhaan body, those are given below:-<\/strong><\/em><\/p>\n\n\n\n<ol><li>Mandatory to have registration of company\/<a href=\"https:\/\/corpbiz.io\/llp-registration\"><strong>LLP<\/strong><\/a>\/Partnership etc. as an MSME and obtain an MSME certificate [Udyog Aadhaar Number (UAN)].<\/li><li>Mandates to record all formal purchase orders from their clients and procure the delivery proofs for all such orders.<\/li><li>In each invoice, mention, \u201cyour entity\/establishment name and UAN\u201d described with a note that \u201cDelayed payments beyond 45 days attract a rate of interest at a current rate three times of the bank rate as per notified by RBI, compounded with a Monthly interest\u201d.<\/li><li>In case &nbsp;any clients delay your payments unreasonably and malafidely&nbsp; beyond the specified time period of&nbsp; 45 days, directly inform them that you shall be approaching the MSME Samadhaan for such pending payments if they do not make the \u2018X\u2019 days payment.<\/li><li>If still they do not release or liberate the payment, file a complaint at <a href=\"http:\/\/www.samadhaan.msme.gov.in\">www.samadhaan.msme.gov.in<\/a> <\/li><li>The liable client would receive a notice from the Micro and Small Enterprise Facilitation Council (MSEFC) asking them to respond with compliance in a specified time period (usually 15~30 days)<\/li><\/ol>\n\n\n\n<p class=\"text-left\"><b>Read our article<\/b>:<mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/corpbiz.io\/learning\/digital-lending-under-msmes\/\">An Overview on Digital Lending Under MSMEs<\/a><\/mark><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"MSME_SAMADHAAN-_Delay_Dues_to_Micro_Small_Enterprises_under_MSMED_Act_2006\"><\/span>MSME SAMADHAAN- Delay Dues to Micro &amp; Small Enterprises under MSMED Act, 2006<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The below discussed are the provisions provided under the\nMSMED Act, 2006 (<strong>Micro, Small and Medium Enterprise Development)<\/strong> related to delay dues. Those are as follows:-<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Related Provision<\/h3>\n\n\n\n<p>As per the section 15 of the MSMED Act, 2006, it will be\nthe buyer duty to make payment to the supplier for any goods or services\nprovided by them. Buyer has to make the payment on the date supplier &amp;\nbuyer agreed upon in writing. In case there is no period agreed upon between\nthe supplier and the buyer in writing then period of payment can exceed\nforty-five days from the day of acceptance.<\/p>\n\n\n\n<p>According to the section 20 of the Act State Government\ncan establish one or more Micro and Small by releasing notification. The\ngovernment shall specify the area of MSME in notification. Section 21 of the\nAct talks about the composition of MSME facilitation council, where the MSME\ncouncil will not consist less than 3 and more than 5 members.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nature of Assistance<\/h3>\n\n\n\n<p>MSEFC of the State, after properly scrutinization of the case lodged by the MSME unit, will issue directions to the buyer unit to release the payment unsettled along with the rate of interest accordingly to the provisions deliberated by the <strong><em>MSMED Act 2006<\/em><\/strong><sup><a href=\"https:\/\/en.wikipedia.org\/wiki\/Micro,_Small_and_Medium_Enterprises_Development_Act,_2006\"><strong><em>[1]<\/em><\/strong><\/a><\/sup>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who can apply<\/h3>\n\n\n\n<p>Any Micro or small enterprise that holds a valid Udyog\nAadhar (UAM) is eligible to &nbsp;apply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Salient Features<\/h3>\n\n\n\n<p>The purchaser is liable and responsible to pay the\ncompound interest with the monthly rate of interest to the retailer or dealer\non the sum of amount multiplied at the three times of the bank rate of interest\nas per notified by RBI.&nbsp; <\/p>\n\n\n\n<p>In case he does not make such dues to the retailer for\nhis circulated goods or services within the specified period of 45 days on the\nacceptance of the goods\/service rendered, said under Section 16. The State Governments shall notify:-<\/p>\n\n\n\n<p>(i) The Authority for filing Entrepreneur Memorandum <\/p>\n\n\n\n<p>(ii) Rules of MSEFC, and <\/p>\n\n\n\n<p>(iii) Rules and Regulations of MSEFC.<\/p>\n\n\n\n<p>All States\/UTs mandates to notify the Authority for\nFiling Entrepreneur&#8217;s Memorandum, 33 States\/UTs (i.e. except Arunachal Pradesh,\nAssam, and Manipur) have Notified rules of MSEFC and all the 36 States\/UTs have\nconstituted MSEFCs, as per provisions embedded under MSMED Act 2006.<\/p>\n\n\n\n<p>Every reference made to MSEFC shall be at an opinion and\nexecuted within a stipulated period of ninety days from the date of making such\na reference as per provisions laid in the Act.<\/p>\n\n\n\n<p>Under Section 19 of the Act, if the Appellant (not being\nthe retailer) wants to file an appeal, no application for setting aside any\ndecree or award by the MSEFC shall be entertained by any court unless the\nappellant (not being supplier) has deposited with it, the 75% of the award\namount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Implementation<\/h3>\n\n\n\n<p>The provisions under the Act are administered and\nexecuted by MSEFC holds by the Director of Industries of the State \/UT bears\nadministrative control of the MSEM units. <\/p>\n\n\n\n<p>The&nbsp; State\nGovernment\/UTs are requested and featured guaranteed that the MSE Facilitation\nCouncil hold meetings uninterruptedly and the Councils decide unresolved dues\nsuits within a specified time period of 90 days as it is being described and\ndrafted in the MSMED Act, 2006.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_MSME_Samadhaan_Portal_%E2%80%93_An_Easy_approach_to_Lodging_Complaint_under_MSEFC\"><\/span>The MSME Samadhaan Portal &#8211; An Easy approach to Lodging Complaint under MSEFC<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Ministry of MSME provided an initiative tool to\nlodge an online grievance by the retailer on MSME Samadhaan against the\npurchaser of goods\/services before the concerned MSEFC of his\/her State\/UT.\nSuch grievances will be observed and adjudicated by MSEFC Council for their\npro-active actions. And also transparent with the Concerned Central Ministries,\nDepartments, CPSEs, State Government, etc for further actions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Effect_of_MSMEs_Samadhaan\"><\/span>Effect of MSMEs\nSamadhaan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter is-resized\"><img decoding=\"async\" src=\"https:\/\/corpbiz.io\/learning\/wp-content\/uploads\/2021\/01\/Effect-of-MSMEs-Samadhaan.png\" alt=\"Effect of MSMEs Samadhaan\" class=\"wp-image-23371\" width=\"555\" height=\"300\" srcset=\"https:\/\/corpbiz.io\/learning\/wp-content\/uploads\/2021\/01\/Effect-of-MSMEs-Samadhaan.png 985w, https:\/\/corpbiz.io\/learning\/wp-content\/uploads\/2021\/01\/Effect-of-MSMEs-Samadhaan-300x163.png 300w, https:\/\/corpbiz.io\/learning\/wp-content\/uploads\/2021\/01\/Effect-of-MSMEs-Samadhaan-768x416.png 768w\" sizes=\"(max-width: 555px) 100vw, 555px\" \/><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">MSME Samadhaan to Recover Undetermined\nDues<\/h3>\n\n\n\n<p>The percentage value of 25% MSME samadhaan to recover\nundetermined dues from these ministries, departments disposed of with the help\nof MSME Samadhaan. Regarding the applications filed, the number of complaints\nfrom Central Ministries and Departments dealt with by the MSME Facilitation\nCouncil (MSEFC) was 33 &amp; 46 only 6.1 per cent and 5.1 per cent\nrespectively.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit and Finance Scheme for MSMEs Samadhaan<\/h3>\n\n\n\n<p>33 Ministry and 38 Departments under the supervision of Government\nof India, beyond which 535 to 894 applications of unsolved amount filed by Micro\nand Small Enterprises (MSE), for monitoring of pending claims, Ministry of\nRailways, Department of Defence, Telecom and the department of Health and\nFamily Welfare received maximum complaints under MSME Samadhaan .&nbsp; <\/p>\n\n\n\n<p>Accordingly, the data obtained from the portal, the MSEs lodged\n116 complaints about delayed dues against the Ministry of Railways, where the\nsuits against the three departments ranked 303, 119, and 110, respectively. The\nMinistry of Electronics and Information Technology and Ministry of Atomic\nEnergy were the other two ministries in the top three ministries\u2019 against which\nthe number of 58 and 53 complaints has reported respectively.<\/p>\n\n\n\n<p>In terms of the mutual convention and deal between the MSE and the\npurchaser (respondent), the number of cases against the central ministry and\ndepartments was numbered 104 and 169. Overall, the share of disposed and\nmutually disposed cases against the request filed was 25.6 percent and 24 percent\nfor 2 respondents. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Legal_Provisions_available_to_Recover_Pending_Debts\"><\/span>Legal\nProvisions available to Recover Pending Debts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Briefly\nscrutinizing a few sections under the Micro, Small and Medium Enterprises\nDevelopment (MSMED) Act, 2006, in order to provide highlights on the legal\ntools provided to MSMEs for recovery of long outstanding amount from the\ncontrol of their customers\/clients. Those are as follows:-<\/p>\n\n\n\n<ol><li><strong>According to the section &nbsp;16 of the Act,<\/strong> where the purchaser fails to make such payment to the retailer within the specified scheduled period said above, the purchaser shall, regardless of any terms agreed on between the purchaser and the retailer, be liable responsible to pay compound interest with a monthly rate of interest to the MSME retailer on the unresolved payment payable from the appointed day at the rate of interest being multiplied the three times to the recent bank rate of interest notified by the Reserve Bank.<ol><li>The existing bank rate of interest can be checked on the&nbsp;RBI&#8217;s website&nbsp;under the Policy Rates.<\/li><li>MSME Samadhaan \u2013 The unsettled &nbsp;Payment Monitoring System<\/li><li>Any application against unsettled dues &nbsp;can be lodged &nbsp;online on the MSME Samadhaan Portal <\/li><li>Arbitration tools&nbsp; and technique&nbsp; &#8211; judgment&nbsp; passed within the period of Ninety Days<\/li><\/ol><\/li><li><strong>According to the &nbsp;Section 18 of the Act<\/strong>, in case of a dispute regarding any claim due as above, an approach shall be made to the Micro and Small Enterprises Facilitation Council (MSME-FC) constituted by the concerned State Government. Every such request made shall be decided within the 90 days time limit.<ol><li>Under the Act, the dispute resolution mechanism would override the arbitration clause incorporated in any of the contracts between such MSME and its clients. This overriding effect originates from Section 24 of the Act.<\/li><li>Pre Deposit&nbsp; of 75% Amount is required in Case of Appeal<\/li><\/ol><\/li><li><strong>According to the Section 19<\/strong>, any request to uphold and set aside the arbitration award shall not be entertained and framed by the Court of law until the applicant has deposited 75 % of the amount awarded by the MSME Samadhaan Council.<ol><li>Penalty for Non-Disclosure in Annual Accounts or in Form MSME-1 under the MSME Samadhaan council laws.<\/li><li>The purchaser should mention the amount overdue for release payment to the MSMEs unit in its annual audited financial statements and shall also file details of such overdue in MCA Form MSME-1 for outstanding balances 31-March 30-September of each year.<\/li><li>Any such violation to disclose such amounts shall further charged penalty, not less than Rs. 10,000 under the MSMED Act. In addition to the non-compliance penalty imposed by the ROC (MCA) under Section 405(4) of the Companies Act, in case of the purchaser is a company.<\/li><\/ol><\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Problem_of_Unsettled_Dues_in_MSME_Sector\"><\/span>Problem of Unsettled\nDues in MSME Sector<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>MSME supplier faces immense monetary hardships as their\npurchaser do not pay the sum on time. Thus blocked payments from purchaser have\nthe below effects on&nbsp;the small businesses:-<\/p>\n\n\n\n<ul><li>Facing &nbsp;liquidity crunch as cash flow is hindered,<\/li><li>Pushed and forced &nbsp;into debt-traps,<\/li><li>Faces &nbsp;failures &nbsp;and closures, and<\/li><li>Future investment and growth plans are\nseverely hampered.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"_Conclusion\"><\/span>&nbsp;Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Focusing&nbsp; the emerging&nbsp; efficiency&nbsp;\non safeguarding the MSMEs and support&nbsp;\ngrowth under the scheme of MSME samadhaan, it must be taken into\nconsideration that the MSMED Act&nbsp;\nprovides&nbsp; a progressive step\ntowards financially stabilizing establishment during this and their tough time\nhelping the MSMEs take recourse under the MSMED Act for sustenance and\nstability. <\/p>\n\n\n\n<p>This sector has several challenges and must be protected from being pushed into unnecessary litigation. Therefore, the process set up under the Act has itself to be strengthened; made very much effective and most importantly at execution to help out such sector.<\/p>\n\n\n\n<p class=\"text-left\"><b>Read our article<\/b>:<mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/corpbiz.io\/learning\/rbi-loan-restructuring-policy-which-benefits-msmes\/\">An Overview of RBI Loan Restructuring Policy which Benefits MSMEs<\/a><\/mark><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The central Government enrolled the respective initiatives (MSME Samadhaan) to safeguard the payments of registered MSMEs (Micro, Small or Medium Enterprises). The topical growth in the contemplation given to the Micro, Small, and Medium Enterprises (MSME) sector ensures an influential economic growth from the initial stage. The assimilated accountability of the MSMEs sector requires to [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":23366,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[176],"tags":[1386],"acf":{"service_id":"71"},"authorName":"Komal Singh","authorImageUrl":"https:\/\/corpbiz.io\/learning\/wp-content\/uploads\/2020\/12\/processed.jpeg","authorDescription":"Komal Singh is a Legal scholar, having diverse experience in scripting research papers, articles &amp; dissertations, which serves her main interest &amp; competent in drafting legal documents. She has polished her skills in dealing with the matter related to consumer affairs and now building intelligible Legal Content for Corpbiz.","postViews":6115,"readingTime":7,"_links":{"self":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/23313"}],"collection":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/comments?post=23313"}],"version-history":[{"count":10,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/23313\/revisions"}],"predecessor-version":[{"id":23372,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/posts\/23313\/revisions\/23372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/media\/23366"}],"wp:attachment":[{"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/media?parent=23313"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/categories?post=23313"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/corpbiz.io\/learning\/wp-json\/wp\/v2\/tags?post=23313"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}