30 micro finance abhijit ray

8/3/2019 30 Micro Finance Abhijit Ray

1/12

3pf Gdpk~dhpgadhi Badck~kdbk ad Z{nigb Zaigbw # Lhdhmklkdp hp GGL) Nhdmhia~k

Rp~kdmpfkdgdm Gdrpgp{pgadr) Kdfhdbgdm Mask~dhdbk?Pfk Lgb~acgdhdbk Zk~rzkbpgsk

2:pf @kbklnk~ >:88 Hnfgogp ^hw) Ba,Ca{d`k~ # @g~kbpa~h~hwJ{dgp{rbhzgphi$bal


2/12

]fhp gr Ba~za~hpk Mask~dhdbk1

Ba~za~hpkMask~dhdbk

Kvkb{pgskr #Klziawkkr

Kx{gpw # @knpGdskrpa~r

B{rpalk~r

R{zzigk~rRabgkpw #

Kdsg~adlkdp

Mask~dlkdp Bkdp~hi)Rphpk #

L{dgbgzhi

Nah~` ac@g~kbpa~r

Sh~ga{r rphekfai`k~r glzhbpk` nw mask~dhdbk

Ba~za~hpk Mask~dhdbk gr h rwrpkl acrksk~hi z~abkrrkr) b{rpalr) zaigbgkr hd`

ih}r }fgbf p~w pa?

Z~apkbp gdpk~krpr ac hii rphekfai`k~r

Gdb~khrk hbba{dphngigpw

^k`{bk la~hi fhh~` grr{kr

Hbfgksk chg~dkrr hd` o{rpgbk


3/12

Chbpa~r Glzhbpgdm Mask~dhdbk

Nah~` ac @g~kbpa~r

Gdpk~dhi Badp~air!H{`gp

@kbkdp~highpgad ac Za}k~

^k}h~`gdm Lk~gp

Klziawkk [dgadr

^km{ihpa~

, ^kza~pgdm#

Balzighdbk

BalzkpgpgadGdskrpa~r

Gd`{rp~whrrabghpgadr

Lk`gh

KVPK^DHI

A~mhdghpgadKvpk~dhi

h{`gp

GDPK^DHI

Ball{dgpw Mask~dlkdp


4/12

Nh` Mask~dhdbk Kvhlzikr? Gdpk~dhpgadhi # Dhpgadhi

Gdpk~dhpgadhi Dhpgadhi

Mask~dlkdp

D{lk~a{r `gbphpa~rfgzr!pw~hddgbhi ~kmglkr ask~pf~a}d

nw ~ksai{pgadr gd LKDH

Z{pgd lhdhmgdm `klab~hbw gd ^{rrgh

Ba~za~hpk

Kd~ad

Gdrpgp{pgadhigk`) rwrpklhpgb hbba{dpgdm c~h{`

^kr{ipk` gd pfk b~khpgad ac pfk Rh~nhdkrAvikw Hbp:>

LBG ]a~i`bal

H lhrrgsk x{hdp{l &$26 nd' ac hbba{dpgdm c~h{` pa

z~az {z pfk rpabe z~gbk

^ho ^hoh~hpdhl Mhiikad M~a{z

Gdrg`k~ p~h`gdm gd baddgshdbk }gpf adk ac pfk }a~i`r

larp klgdkdp rp~hpkmw badr{iphdp , ^hohp M{zph

Mask~dlkdp

>M Rzkbp~{l Rbhl

[dhbba{dpk` ]khipf Rphrfk` Hn~ah`

Nkiih~w Lgdkr Rbhl

Ballad}khipf Mhlkr Rbhl

Ba~za~hpk

Fh~rfh` Lkfph Rbhl &877>' # Ekphd Zh~kef Rbhl

&>::8' Ih~mk rbhik lh~ekp lhdgz{ihpgad

[PG Rbhl &>::8'Rlhii gdskrpa~r c{d`r {rk` pa c{d`

ngm n{rgdkrr fa{rkr!o{de nad`r ca~ f{mk ballgrrgadr

Rhpwhl Rbhl &>::6'

Gdcihpk` ~kskd{kr5 ^r 3):::% b~a~k ac bhrf lgrrgdm

^kr{ipk` gd l,bhz k~argad ac 7:+% # ihpk~

hbx{grgpgad nw pfk Lhfgd`~h M~a{z
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5/12

B~gpgbhigpw ac Mask~dhdbk gd LCGr

Ba~za~hpk mask~dhdbk gr kskd la~k b~gpgbhi gd LCGr `{k pa zaigpgbhi) cgdhdbghi hd` b{rpalk~ rkdrgpgsgpgkr

Fgmfrphd`h~`r ac

ba~za~hpkmask~dhdbk

dkk`k`

Cgdhdbghi Rkdrgpgsgpgkr

[drkb{~k` ikd`gdm

Fgmf cgdhdbghi iksk~hmk

B{rpalk~ Rkdrgpgsgpgkr

Zaa~ zkazik

]alkd

Rksk~hi rkbpgadr!bhrpkr!~kigmgadr ac rabgkpw

Gdrphdbkr ac r{gbg`kr }fkd bh{mfp gd `knp p~hzr

Z~a`{bp z{rf rp~hpkmw

Zaigpgbhi Rkdrgpgsgpgkr

F{mk sapk nhder

Cgdhdbghi gdbi{rgad , h ekw cab{r h~kh ca~pfk Masp

Gdpk~krp ~hpk `knhpk


6/12

Mask~dhdbk Bfhiikdmkr gd LCGr

Lgb~acgdhdbkGdrpgp{pgadr

Klziawkkr #apfk~ gdpk~dhi

chbpa~r

B{rpalk~r

Mask~dlkdp #Zaigpgbr

Ikd`k~r!Gdskrpa~r

Lgr~kza~pgdm gdca~lhpgad pa

ikd`k~r!gdskrpa~r , gdcihpgdm

za~pcaiga) lgr~kza~pgdm `kch{ip bhrkr

Bfagbk ac kvpk~dhi h{`gpa~r

Mfarp iahdr cgbpgpga{r iahdr!na~~a}k~r

Phegdm rkb{~gpw `kzargpr c~al na~~a}k~r

hd` {rgdm gp pa kdfhdbk kx{gpw nhrk

kvzarkr pfk b{rpalk~ pa kx{gpw ~gre hd` LCG

pa zapkdpghi igx{g`gpw ~gre

Gdbkdpgsggdm m~a{z ikh`k~r!hmkdpr pa `a

baiikbpgad gd a~`k~ pa kdfhdbk kccgbgkdbw) pf{r

iargdm pa{bf }gpf na~~a}k~r

Rp~krrc{i kvzhdrgad ph~mkpr ca~ rphcc

ikh`gdm pa h`sk~rk rkikbpgad # ask~,ikd`gdm

KRAZr!Gdbkdpgskr pa klziawkkr ca~

hmm~krrgsk kvzhdrgad!baiikbpgad ~kr{ipgdm gd

lgr~kza~pgdm nw pfk rphcc

Ihbe ac z~azk~ GP gdc~hrp~{bp{~k badp~gn{pgdm

pa gdhbb{~hpk # `kihwk` ~kza~pgdm

Zaigpgbhi Dkv{r lhekr LCGr

r{rbkzpgnik pa nkgdm {rk` hr h

zaigpgbhi paai

Gdr{ccgbgkdp ~km{ihpgadr


7/12

Nah~` Kcckbpgskdkrr h Lhoa~ F{~`ik

Rkm~kmhpgad ac ~aikr ac BKA # Bfhg~lhd acpkd dapz~krkdp gd LCGr

Rp~adm hd` acpkd balzikpk gdci{kdbk ac z~alapk~ad pfk Nah~`

Hnrkdbk ac ~aphpgad zaigbw ac Nah~` lklnk~r

Ikrr klzfhrgr ad gdba~za~hpgad hd` rphccgdm acr{n ballgppkkr ac pfk Nah~`

Hnrkdbk ac }kii `kcgdk` ~aikr # ~krzadrgngigpgkrca~ Nah~` lklnk~r

Ck} fgmf z~acgik Nah~` lklnk~r zh~pgbgzhpgdm gdNah~`r ac 8;,>: cg~lr ikh`gdm pa {dhshgihngigpw

Ihbe ac rp~adm gd`kzkd`kdp `g~kbpa~r

Ba~za~hpk mask~dhdbkgrr{kr gd LCGr


8/12

Lgb~acgdhdbk B~grkr gd Gd`gh

E~grfdh B~grgr &>::3'

Cg~rp ngm b~grgr gd Gd`ghd LC rkbpa~

Bh{rk` nw z{rf ik` m~a}pf) l{ipgzik

na~~a}gdmr # {dih}c{i ~kbask~w

]a~rkdk` nw bihrfkr }gpf pfk rphpk,

~{d Ski{m{ z~am~hl

^kr{ipk` gd mask~dlkdp bihlz,`a}d

ad LCGr) h~~krp ac rphcc hd`

r{nrkx{kdp iarrkr ac nhdegdm hrrkpr

Eaih~ B~grgr &>::7'

LCG z~hbpgbkr &km }alkd lkkpgdm

}gpf {d~kihpk` lkd rphcc) magdm a{p

ac pa}d ca~ p~hgdgdm' # bfhdmgdm

mkd`k~ kx{hpgadr rzh~ek` ~kigmga{r

rkdpglkdpr gd h iabhi ball{dgpw

^kr{ipk` gd pfk ball{dgbhpgad mhz

n!} bigkdpr hd` LCGr }fgbf gd p{~d

h`sk~rkiw hcckbpk` zhwlkdpr

F{nig B~grgr &>:88'

Rph~pk` nw zaigpgbhi ikh`k~r

gdrpgmhpgdm zkazik pa `kch{ip ca~

zaigpgbhi lgikhmk

Hmm~hshpk` nw pfk chgi{~k ac iabhih`lgdgrp~hpgad gd badphgdgdm pfk

rgp{hpgad hd` phegdm hzz~az~ghpk

hbpgadr

Hmm~krrgsk Balzkpgpgad gd [Z

&>::=,:6'

Cg~rp ngm b~grgr gd Gd`ghd lgb~acgdhdbk

rkbpa~

Bh{rk` nw l{ipgzik na~~a}gdm hd`bak~bgsk ~kbask~w z~hbpgbkr

]a~rkdk` nw bihrfkr }gpf pfk rphpk,

~{d Ski{m{ z~am~hl

^kr{ipk` gd mask~dlkdp bihlz,`a}d

ad LCGr hd` h~~krp ac rphcc

Hd`f~h Z~h`krf B~grgr &>:8:'

Ngmmkrp b~grgr gd pfk lgb~acgdhdbk

rkbpa~ ac Gd`gh

P~gmmk~k` nw h sh~gkpw ac chbpa~r zaigpgbhi) cgdhdbghi hd` rabghi

Hpp~gn{pk` pa fgmfk~ gdpk~krp

~hpkr) {dih}c{i baiikbpgad

lkbfhdgrl) badpgd{k` lgrk~w ac

pfk ~{~hi zaz{ihpgad #

balzkpgpgsk zaigpgbr

Pf~khpkdk` lgb~acgdhdbk rkbpa~

dhpgad}g`k # ~kr{ipk` gd h rphpka~`gdhdbk


9/12

Kvhlzikr ac Maa` Ba~za~hpk Mask~dhdbk

Ohdhiherflg

Ikh`k~ gd p~hdrzh~kdbw

Dap,ca~,z~acgp fai`r pfk kdpg~k z~alapk~ rphek

L{ipg z~a`{bp cab{r pa kdigrp bigkdpkik }fa `adp fhsk

b~k`gp dkk`r

BNR! B^L zihpca~l! ngalkp~gb rlh~p bh~`r ca~l pfk

pkbfdaiamgbhi nhbenadk

Rp~admkrp lhdhmklkdp pkhl gd pfk LCG rkbpa~

Klgdkdp Nah~` badrgrpgdm ac gd`kzkd`kdp @g~kbpa~r ac

pfk igek ac R N Lhpf{~) ^hlh Ngohz{~eh~ # [`hw Bfgphik

Da KRAZr pa klziawkkr

Lhdd @krfg Lhfgih Nhde

Adk ac pfk cg~rp ~{~hi cgdhdbghi gdrpgp{pgadr

pa ~kbkgsk h baazk~hpgsk nhdegdm igbkdrk c~al ^NG

Ih~mkrp lgb~acgdhdbk nhde gd Lhfh~hrfp~h

Acck~r h sh~gkpw ac dad,cgdhdbghi rk~sgbkr cgdhdbghi hd`

n{rgdkrr lmlp p~hgdgdm) ball{dgpw ~h`ga) }alkdr fkhipf hd`

ch~lgdm }a~erfazr

KRHC Lgb~acgdhdbk

Adk ac pfk ikh`gdm lgb~acgdhdbk DNCBr gd Gd`gh

L{ipg,chbkpk` `kskiazlkdp cab{r ad k`{bhpgad) ~kphgi) fa{rgdm)

fkhipfbh~k) }hpk~) rhdgphpgad hd` igmfpgdm


10/12

Kvhlzikr ac Maa` Ba~za~hpk Mask~dhdbk &Badp`$'

Rhdmfhlgp~h! LW^H@H

Adk ac pfk kh~iw gddashpa~r ac pfk badbkzp ac RFMr5

B{l{ihpgsk ~kzhwlkdp ~kba~` &767+' rgmdgcgbhdpiw nkppk~

pfhd z~ga~gpw rkbpa~ za~pcaiga # ask~hii nhder za~pcaiga

[rk ac zh~pgbgzhpa~w hzz~hgrhi pkbfdgx{kr gd bigkdp

g`kdpgcgbhpgad) rglzigbgpw ac z~abk`{~kr!z~a`{bpr!~kzhwlkdp

[oogshd

Ia}k~k` gdpk~krp ~hpkr pa na~~a}k~r kskd nkca~k pfk HZ

b~grgr5 Rp~adm cab{r ad glz~asgdm azk~hpgadhi kccgbgkdbw

[oogshd `kbih~k` hr pfk }gddk~ ac pfk Lgb~acgdhdbk Gd`gh

A~mhdghpgad ac pfk wkh~ >:88 h}h~`

Lhgdiw cab{rkr ad zaa~ }a~egdm }alkd gd {~nhd hd`

rklg,{~nhd h~khr

Kx{gphr

Nahrpr ac c{iiw Gdpkm~hpk` K^Z Rwrpkl

Rksk~hi rpkzr phekd pa ~ksai{pgadgk ba~za~hpk p~hdrzh~kdbw

Adiw LCG pa z~gdp gpr hii,gdbi{rgsk gdpk~krp ~hpk , HZ^

Hd gdpk~dhi aln{`rlhd pa kdhnik lklnk~r pa `g~kbpiw

~khbf a{p pa pfk lhdhmklkdp pkhl

RE@^@Z

Rgvpf ih~mkrp lgb~a cgdhdbk gdrpgp{pgad gd Gd`gh

H}h~`k` pfk z~krpgmga{r Lgb~acgdhdbk Gd`gh H}h~` >:8:

^kbamdgk` ca~ gpr ia} azk~hpgadhi barpr)

kccgbgkdp h`lgdgrp~hpgad) ~hzg` rbhigdm {z) l{ipgch~ga{r

`kskiazlkdp hbpgsgpgkr # rabghi ballgplkdp


11/12

^km{ihpgadr # Zaigbgkr gd Lgb~acgdhdbk ? Gd`gh sr$ Hrgh

Rp~adm ~km{ihpa~w c~hlk}a~e gr pfk nhbenadk ac h ra{d` ba~za~hpk mask~dhdbk rwrpkl

Dkzhi

Nhdegdm ~km{ihpgadr }k~k kvpkd`k` pa LCGr `{~gdm

sk~w kh~iw zfhrk ac lgb~acgdhdbk rkbpa~r ksai{pgad

Zhegrphd

]kii `kcgdk` rwrpkl ac ~km{ihpgadr

hd` zaigbgkr badp~gn{pgdm pa maa`

ba~za~hpk mask~dhdbk

Nhdmih`krf

Sk~w ia} barp na~~a}gdm z~asg`k` nw hzkv Masp

hmkdbw &ZERC' }gpf rp~gdmr hpphbfk` pa gp

Bfgdh

Rp~adm r{zza~p c~al iabhi # dhpgadhi

mask~dlkdpr gdgpghiiw gd z~alapgdm

lgb~acgdhdbk5 r{zziwgdm cgdhdbghi)

f{lhd hd` a~mhdghpgadhi ~kra{~bkr

B~grkr gd Gd`ghd lgb~acgdhdbk rkbpa~ ba{i` fhsk nkkd

hsag`k` nw?

B~khpgdm rp~adm ~km{ihpa~w c~hlk}a~e

Z~asg`gdm masp r{zza~p ca~ c{d`gdm

Z~ahbpgskiw `grrklgdhpgdm gdca~lhpgad pa z{nigb hna{p

hbfgksklkdpr

Kdba{~hmgdm gdc{rgad ac kx{gpw bhzgphi nw `alkrpgb gdskrpa~r

Rkppgdm {z `alkrpgb rkk` bhzgphi c{d`r ca~ LCGr

Gdsaisgdm hii b~gpgbhi rphekfai`k~r

Lhdhmgdm nkppk~ z{nigb ~kihpgadr

D{~p{~gdm rp~adm mask~dhdbk # p~hdrzh~kdbw


12/12

Pfhde wa{(

X{krpgadr1

30 micro finance abhijit ray

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