INTODELH NANA BANK HMAN |ANGKAI

Mizoramah hian mi tam tak chuan intodelh nn sawrkar kan ngaichng \hup niin a lang a, hei tak hi kan intodelh hleih theih lohna ni pawhin a hriat. Sawrkar a\angin emaw, khawi a\angin emaw \anpuina a thlwna dawn tr a awm loh chuan intodelhna kawng hi kaw ve loa ngaihna lian tak kan nei ta em ni chu w a tih theih a, hei hi thil pawi tak a ni. Kan ramah development hna thawk trin bank eng emaw zt kan lo nei ve ta a, hng bank-te hman \angkai nachng kan hriat hi thil \l tak a ni. A thlwn a nih ve loh avng erawh chuan fimkhur tak leh awmze neia hman erawh a \l ang. Bank-in loan hmanga mi a \anpui duh zwngte leh sawrkarin bank kaltlanga mipui chawikn a tum dn leh ruahmanna \henkhatte chu hetiang hian han tr lang ila. A. Bank rilru : Miin bank-a loan a va dil hian Bank Manager rilrua lo lt hmasa ber \hin nia lang chu, Min dwr ve \hin em? tih hi a ni. An chhngte leh hmlhriatte aia an ngaih pawimawh zwk chu an customer \hate an ni. Customer \ha tih hian pawisa dah \euh \euh tihna chauh a kwk lo va, mahni sum neih chhun ang ang dah \hinte a huam vek a ni. Hausa viau mah se dwr ngai miah lotu ai chuan rethei zwk pawh ni se neih ang anga anmahni dwr \hintu chu an duhsak zwk fo. Chuvngin kan chnna a\anga hnai ber bank-a account hawn nachng hriat hi tnlai khawvlah thil fin thlk tak a ni. Mi tam takin dah tr neih loh chhuanlamin bank-a account hawn kan tum lo va, chu chu hriain Reserve Bank of India (RBI) chuan mi rethei leh harsate, pawisa nei sa lo tn pawh account hawn theih dn a ruahman ta zl a ni. Chuti chung pawha account hawng duh tlat lote tn chuan bank loan hi vna rah ang mai a ni ngei ang. Mamawh hun atna loan lk theih nn, bank rilru hre rna account hawn nachng hriat hi thil \ha leh \l tak a ni. B. Sawrkar ruahmanna: Kan intodelhna tr atna bank kaltlanga sawrkar ruahmanna siam zawng zawngte sawi sn a ni lo vang a, kan chhawr \angkai theih tr \henkhatte hetiang hian han tr lang ila. 1. RBI Financial Inclusion Programme: RBI Financial Inclusion Programme-ah hian thil \ha tam tak, mi retheite chhawr theih tr a awm a, chngte chu 1) Zero Balance Account/No Frills Account : A hriatthiam awlsam zwnga sawi chuan, Pawisa nei miah lo pawha account hawn theih dn a ni. RBI chuan he account hi mi rethei, thla khata ` 3000/- la lt pha loten account an hawn theihna tra ruahman trin bank-te a hriattr a, a tum ber chu pawisa khwl mai piah lamah a \l huna loan an lk ve theih nn, India rama puitling chin zawng zawng bank account neihtr vek a ni. He account hi bank hrang hrangten a ram mite hriatthiam theih trin a hming pawh an duh chuan an phuah danglam thei ang tih a ni. Kan ramah chuan Mizoram Rural Bank (MRB) hian an \an hmasa ber a, kum 2006 January thla a\ang khan an \an a, a hmingah pawh Vohbik account an vuah a ni. SBI, Apex Bank leh Bank dang kan neihte pawhin an ti ve ta zl a, amaherawhchu Mizo \awnga a hming vuah hranpa lm lovin No frills account tiin an sawi mai a ni. Chuvngin, kan khuaah bank a awm rih lo a nih pawhin, kan khua a\anga bank hnai leh remchng berah he account hi hawn mai tr a ni ang. Thla khata ` 3000/- aia tam la lt pha chin tn erawh chuan a hawn ve theih loh thung.

2) General Credit Card : Mi rethei t t, bank-a Vohbik/No frills account nei a, neih ang twk twka dwr ve \hinte tn, intodelhna kawnga hma thar la tra bul an \an theihna trin loan scheme thar duan chhuah a ni a, a hmingah General Credit Card (GCC) tih a ni. He scheme hi loan chi dangte anga kherkhiap taka kalpui a ni ve lo va, ` 25,000/- thleng dil theih a ni. He loan scheme hi mi tam takin an chhawr \angkai mk a ni. 3) One Time Settlement Scheme (OTS) : Bank-a loan nei, rl hlei thei lova kawlwk laklawh, loan dang laa hma thar han la leh tr pawha chumiin a dl tlat site tn, awlsam leh pung tlm zwka an loan bat laklawh rulh theihna trin scheme duan chhuah a ni a, a hmingah One-Time Settlement Scheme (OTS) tih a ni. Hre chiang duh chuan an loan batna bank-ah an zwt chiang ang a, annin a kalhmang leh tih dn trte chiang taka lo hrilhin ruahmanna an siam ho dwn a ni. He scheme hnuaia loan rl zote chu bank-in loan dangin bul an \anpui leh thei a, hetianga kawlwka awmte tn chuan thil \ha tak a ni. 4) Kisan Credit Card (KCC) : Lo leh huan neia eizawngte tn sawrkarin bank kaltlanga hlwk zwk leh awmze nei zwka thlai an thar chhuah theihna trin loan scheme a ruahman a, chu chu Kisan Credit Card (KCC) an ti a ni. KCC hi a tam thei ang ber pe trin sawrkar chuan bankte hi a tur reng a, a hmang \angkaitu tr lam hian ngaihvena, bank lamin an pk duh ngei tra lo inruahman ve hi a \l hle a ni. He scheme hnuaia loan lk theih hi a tlngpuiin Rs. 50,000/thleng a ni a, a card hi kum thum chhng a nung a, term loan te ang ni lovin rulh zawh vek hnuah pawh account ngai vkah khn a lk nawn zl theih a ni. 5) Self Help Group (SHG): Thufingin |anrual chu chakna a tih hi thudik a ni a, mi mala tih theih loh pawh mi dangte nna \anrual chuan a tih theih \hin. Intodelhna kawngah pawh \anrual chu a swt m m a ni. Retheihna khur ata tal chhuahna kawng hi mi thiamte chuan an dap nasa hle a, an thil duan chhuah pakhat chu \angruala mahni leh mahni inkhai chhuak pwl Self Help Group (SHG) hi a ni. SHG chu mi 10 aia tlm lo, 20 aia tam lo inthurualin a din theih a, inkaihhruaina dnin a pht anga inkaihruai, group rintlkte chu bank-in loan a pe thei a ni. A tum tak chu sawrkar a\angin \anpuina eng mah hmu lo mah se, bank a\angin loan la thei kher lo mah se, tumruhna nna mahni dinhmun siam \ha tra chhel tak leh rim taka thawh a ni. He rilru hi pu \heuh thei ila chuan kan ram intodelh lo hi rei lo teah intodelh ramah kan siam ngei ang. SHG din dn te, a inrlbwl dn tr te, a kal zl dn tr te leh loan lk dn chungchng te hre chiang duh tn chuan Rural Deveopment Department-a thawk te, bank lama thawk te, tlwmngai pwl (NGO) hrang hrangte leh Synod Social Front-a kan hotute englai pawhin a rwn theih reng a ni. 6) Farmers Club: Mi mala hma lak a harsat chang a tam thei a, SHG ang deuh bawkin lo neituten a huhova hma an lak theih nan scheme duan a ni a, chu chu Farmers Club tih a ni. Khaw khatah Farmers Club pakhat zel din theih a ni a, agriculture leh a kaihhnawih hmalakna chi hrang hrangah bank-te nena \angruala tih ho tur a ni a, a \ul anga training te pawh NABARD sensoin huaihawt theih a ni. Ngaihven duhte tan englai pawhin bank hrang hrang leh NABARD lam hotute biak rwn theih reng a ni. 7) Joint Liability Group (JLG): |hianzaho intiam ruala awmze neia hmalk theihna scheme Joint Liability Group (JLG) an tih chu tn hnaiah duan thar a ni a, hei pawh hi mi rethei leh harsa zwkte tna ruahman bawk a ni. A din dn leh a kalphung hi SHG aiin a awlsam zwk mah

a, member ngai zt pawh a tlm zwk bawk a ni. Hemi chungchng hre chiang duhte tn NABARD lam hotute biak rwn theih a ni a, bank lamte pawhin an zir chiang mk a ni. Retheihna khur ata kan tl chhuah theihna tra bank kaltlanga sawrkar scheme zawng zawng tr lan sn vek a ni lo va; hng tr lan theih chin a\ang ringawt pawh hian ngaihtuah peih leh tumruhte tn chuan tl chhuah theihna khawpa thil \ha hi a awm a ni. A thlwna sem, a thlwna dawn ngawr ngawr hi kan \hatpui ber pawhin a lang ta lo. Chanchin \ha puang darh zl thei tr chuan kan intodelh a ngai a, kan intodelh theihna tra sawrkar scheme \ha tak takte hi dah \wl mai lova ngaihvenin, puan ven sawi chhnga cht chhuah a hun tak meuh a ni. C. Mi awmna tra kawngte siam\hatu : Intodelhna tra bank kaltlang sawrkar scheme \ha tak tak a awm \euh lai hian, bank a\anga loan lk mai a harsa fo \hin. Hei hian chhan tam tak a nei ngei ang. Bank-a thawkte hian hng scheme-te hi an tuipui twk lo emaw, an luhchilh tak tak peih lo pawh a ni thei. Thil chiang tak pakhat erawh chu Bank hian \ha taka loan rl \hinte pk nawn hi an hnial lo mai ni lovin an chk zwk tlngpui a ni. Loan la apiang hian a hun takah \ha takin rl vek sela chuan bank a\anga loan hmuh hi thil harsa a ni lo vang. Loan la hmasaten an rulh \hat loh avnga rl \ha tr pawh pe zawm thei lo dinhmunah bank tam tak hi an awm a ni. Loan lk chhan ang taka hmang, vnduaina eng emaw avnga tangkhang ta a awm theih ngei a, amaherawhchu mi tam tak, lk chhan ang taka hmang lova tl buai ta kan awm \hin, a pawi hle a ni. Loan la mek zawng zawngten \ha takin rul vek ila, midangte tan loan puk vena kawng kan hawnsak a ni ang a, A chhe lai siam \hatu, mi awmna tura kawngte siam\hatu kan lo ni dawn a ni. D. Kan fimkhurna tur : Tnlaiah inbumna chi hrang hrang a tam niin a lang a, Mizote hian hausak thut kan duh avngin pawisa dah punna dik lo tak tak pawh kan bawh ruak ruak zl a. Chiahpuam kan tihte hian chutiang lama kan tln nasatzia a tilang chiang hle. Chiahpuam aia awmze nei zwk anga lang, mahse Bank lem ni si pawh an ding mk zl bawk a. Hetiang hmang hian mi tam tak bumin an awm mk a ni. Kum khata a pung rate ngaihtuah loin thla khata pung rate hmangin mipui an bum a. Kum khata pung rate anga chht chuan a lt tam takin a pung thung si. Hetiang bank lem ni chiah pawha lang si lo, Financial Institution \henkhat phei chuan Pathian thu hmatheha neihin Kohhran rawngbwltu langsr tak takte pawh an man bet mk a. Miin thu taka ngaiin an bawh phah a, Pathian thu hmatheha an hman chu intihrinawm nn an hmang a. Chutiang financial institution \henkhat chuan tnah hian Mizoram a rn mk a. Mi eng emaw ztin in leh lo an chn phah tawh niin a lang a. Hng mite hi Mizoram leilung fate (sons of the soil) pawh ni lo, \henawm State a\anga lo kal, kan ram min rn mktute an ni. Hng mite lakah hian mi mal chauh ni loin Kohhran thleng pawhin fmkhur a \l. An hnen a\ang hian biak in sakna tr sum pk phei chu tih loh tawp tr a ni. Biak In insak\hat siak kan uar ta lutukte hian sum pk tr lamah kan kal nasat phah a. Tlin bka biak in sak tum pawh hi Kohhrante hian kan tlnsan ngam a pawimawh hle. Chuvngin Kohhranhoten loan kan la dwn a nih pawhin kan lkna tr chu eng ang finiancial institution nge a nih tih hi hriat chian tum hmasa zl ila. Hetiang lama thil hre mite pawh rwn hmasa \hin ila, thil \ha tak a ni ang.

Buatsaihtu : Synod Social Front, Mizoram Presbyterian