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evsjv‡`k Dbœq b mgx¶v - BIDS

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†mb: F‡Y wbgMœ evsjvi MÖvg : gyw³i Dcvq wK? 185n‡qwQj, Mwi‡ei kª‡g cyó n‡q Zv eZ©gv‡b 77 nvRvi 380 †KvwU UvKvq DbœxZ n‡q‡Q(A_©‰bwZK mgxv 2009)| MÖvgxY e¨vs‡Ki Kg©Kv‡Êi cwiwPwZ w`‡Z wM‡q Ô<strong>evsjv‡`k</strong>A_©‰bwZK mgxv 2009Õ wj‡L‡Q, ÒweËnxb gvby‡li nv‡Z RvgvbZwenxb cyuwR Zz‡j w`‡Z cvi‡jwb‡Ri Kg©ms¯’vb †m wb‡RB m„wó Ki‡Z cv‡i| G aviYvi †cÖw‡Z m„ó MÖvgxY e¨vsK †Kv‡bvcÖKvi RvgvbZ e¨ZxZ f~wgnxb `wi`ª Rb‡Mvôx‡K z`ªFY cÖ`vb K‡i _v‡K| F‡Yi UvKv mvßvwnKwKw¯—‡Z cwi‡kva Kiv nq Ges e¨vs‡Ki hveZxq Avw_©K †jb‡`b mvßvwnK †K›`ª ˆeV‡Ki gva¨‡gm¤úbœ n‡q _v‡K|Ó G-cÖwµqvq cÖ‡Z¨K FYMÖnxZvi F‡Yi Rb¨ cy‡iv †Mvôx ev `j `vqx _v‡K|FY cwi‡kv‡ai Rb¨ `‡ji (Group) Ici †h-cÖPÊ Pvc Av‡m Zv AwaKvsk mgq FYMÖnxZvi Rb¨Amnbxq n‡q I‡V| †`Lv †M‡Q, z`ªFY ev micro-credit-Gi my‡`i nvi gnvRbx my‡`i cÖvqKvQvKvwQ, AwaKvsk †‡ÎB 25 kZvs‡ki Kg bq| A‡bK †‡ÎB ỳ ªFY evsjv‡`‡ki MÖv‡gGK fxwZKi FYP‡µi ev Vicious Debt Cycle-Gi m„wó K‡i‡Q| †Kv‡bv FYMÖnxZv †Kv‡bv GKcÖwZôvb †_‡K FY wb‡q hLb †m GB F‡Yi mỳ -Avmj ev wKw¯— cwi‡kv‡a e¨_© nj, ZLb †mwKw¯— cwi‡kv‡ai Rb¨ Av‡iKwU cÖwZôvb †_‡K FY MÖnY K‡i| `yÕwU cÖwZôv‡bi wKw¯— cwi‡kvahLb `y:mva¨ n‡q I‡V, ZLb †m AviI Pov my‡` Z…Zxq †Kv‡bv cÖwZôvb †_‡K FY wb‡Z aiYv†`q| GBme F‡Yi wKw¯— cwi‡kv‡ai Rb¨ †m K¬vwš—nxb cwikªg K‡i| Zvi GB cwikª‡gi d‡jiweivU GKwU Ask P‡j hvq GB FY`vZv cÖwZôvb ev GbwRI¸‡jvi Kv‡Q| GBfv‡e MÖvgxY K…wl,MÖvgxY KvwiMwi, MÖvgxY cïcvj‡b Ges Ab¨vb¨ †mev Lv‡Z †h-DØ„Ë m¤ú` ev Surplus Value m„wón‡”Q, Zvi cÖvq cy‡ivUvB P‡j hv‡”Q GBme FY`vZv cÖwZôvb¸‡jvi Kv‡Q| GB FY Av`v‡qigvÎv cÖvq 99 kZvsk nIqvq GB ai‡bi Micro Finance AvR evsjv‡`‡k GK weivU SuywKwenxbjvfRbK e¨emvq cwiYZ n‡q‡Q| GB e¨emv‡qi gva¨‡g †Kv‡bv cwikªg bv K‡i evsjvi cwikªgxgvbyl¸‡jvi m„ó m¤ú‡`i gvwjK n‡q hvIqv hvq AwZ mn‡R| Gi d‡j evsjvi MÖvgxY mgvRAvR F‡Y RR©wiZ|ÒMÖvgxY e¨vsK wW‡m¤^i, 1996 mvj ch©š— 36,420wU MÖv‡g 1,079wU e¨vsK kvLvi gva¨‡gcÖvq wek jvL 60 nvRvi e¨w³‡K (gwnjv 94%) 6,551 †KvwU UvKv FY cÖ`vb K‡i‡Q Ges GBFY mỳ m‡gZ †diZ cÖ`vb Kivi nvi 98 kZvsk| GB mg‡q GKBfv‡e <strong>evsjv‡`k</strong> i“ivjGWfv݇g›U KwgwU ev eª¨vKI weZiY K‡i‡Q 1,472 †KvwU UvKvi FY cÖvq 18 jvL e¨w³‡K,hv‡`i g‡a¨ 92 kZvsk gwnjv| G‡`iI 97 kZvsk mỳ mn FY cwi‡kva K‡i‡Qb| Ab¨me z`ªFY ms¯’vI Kg-†ewk MÖvgxY e¨vs‡Ki Abym„Z c‡_ ev m`„k c‡_ FY`vb Ki‡Q Ges Zv Av`vqKi‡Q Lye K‡Vvi wewa weav‡bi gva¨‡gÓ (†mb 1999)| †`Lv hv‡”Q, z`ªF‡Yi GB `yB gnxiƒnms¯’v 1996 mv‡ji wW‡m¤^i ch©š— cÖvq 38 jvL 60 nvRvi e¨w³‡K 8,023 †KvwU UvKv FYw`‡qwQj| <strong>evsjv‡`k</strong> A_©‰bwZK mgxv (2009) cÖ`Ë wnmve Abyhvqx, gvÎ GK `k‡Ki e¨eav‡bGB-`yB cÖwZôvbB 1,59,30952 Rb †jvK‡K 80,012 †KvwU UvKv FY w`‡q‡Q| †mw`‡bi AvUnvRvi †ZBk †KvwU UvKv †h gvÎ GK `k‡Ki gv_vq Avwk nvRvi ev‡iv †KvwU UvKvq `uvwo‡q‡Q,Zv FYMÖnxZv‡`i wKw¯— cwi‡kv‡ai Dci wfwË K‡iB M‡o D‡V‡Q| e¯‘Z MÖvgxY e¨vsK I eª¨vK-Gi c`v¼ AbymiY K‡i AvR evsjv‡`‡ki MÖv‡g AmsL¨ z`ª-FY`vZv ms¯’v Zv‡`i AMwYZ kvLvcÖkvLvwe¯—vi K‡i‡Q| <strong>evsjv‡`k</strong> A_©‰bwZK mgxv 2009-G AwaKZi cwiwPZ `kwU z`ªFYweZiY-cÖwZôv‡bi(hvi g‡a¨ MÖvgxY e¨vsK I eª¨vK i‡q‡Q) FYMÖnxZv I Zv‡`i g‡a¨ weZiYK…Z

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