30_microfinance_varun bhandari

8/3/2019 30_Microfinance_Varun Bhandari

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QcvzeFlce`cvi

Ohd Bc~ipco

Mibvhaiecebj; Irrzjr ahv

~hoiby mcdjvr


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C^ Bvirir ce` plj jerzieg focmj gcmj

Lirphvibco ecvvcpiqj ha hzv qcvihzr j|~jvimjepr

wipl aiecebico iebozrihe J|~hripihe ha VFI Ehpiaibcpiher(Vjgzocpiher

Wlcp rhvp ha vjgzocpihe `hjr plir rjbphv ejj`

ce` cvj wj gjppieg ip 8

Jmjvgieg pvje`r ce` fzriejrr mh`jor


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^cvcmjpjvr @vcap MA Fioo VFI Ehpiaibcpihe

Ojgco rpvzbpzvj Ieboz`jr qcvihzr ojgco ahvmr EFAB/ Rhbijpy/ Pvzrp/

Rjbpihe 6: Bhm~cey jpb%

Cey RI MAI ejj`r ph fj vjgirpjvj` ze`jv Bhm~ceijr

Cbp

Ehe-`j~hrip pcdieg EFAB,hpljv plce c bhm~cey

oibjerj` ze`jv Rjbpihe 6: ha plj Ieìce

Bhm~ceijr Cbp/ 39:1)

Mieimzm EHA Vr% : Ocdlr Vr% : Bv^vh`zbpr Rbh~j Mibvhaiecebj rjvqibjr ph ieboz`j ~vhqiìeg

mibvh bvj ip/ bhoojbpihe ha plviap/ vjmippcebj ha

aze`r/ ~vhqi ieg ~jerihe hv ierzvcebj rjvqibjr4

cey hpljv rjvqibjr cr mcy fj r~jbiaij`

Ahbzr he Bvjìp heoy

^vibie Pcodr qjv fvhcò cfhzp VFI lcqie plj vi lp ph 61* iepjvjrp vcpj bc 36 * mcv ie bc

r~jbiay ~vibieg ce` ipr bhm~hejepr4 Ehpliegr~jbiaib mjepihej`

^vhbjrrieg Ajj ehp ieboz`j` wiplie pljrjbc~r

Ierzvcebj ^vjmizm ph ieboz`j

c`mieirpvcpiqj blcvgjr cr ~jv IV@C

gzi`joiejr

Szcoiayieg

Crrjpr

@hjre pcod cfhzp plir Iebhmj oimip ha 1>D,vzvco)/ 36>D,zvfce)

3rp

byboj ohce oimip ha 2:4 :>D ocpjv Phpco fhvvhwjv ie`jfpjèjrr ha :>D

Pjezvj ha 560 mheplr ahv ohcer 53:D

Eh bhoocpjvco

Cp ojcrp 7:* ohcer ahv iebhmj gjejvcpihe

Wjjdoy/ ahvpeiglpoy/ mheploy vj~cymjep

h~piher


6/15

^cvcmjpjvr @vcap MA Fioo VFI Ehpiaibcpihe

Hqjvriglp

(Vjgzocphvy

Vjgimj

MA `jqjoh~mjep bhzebio - Mi| ha VFI/ ECFCV@/

ELF/ RI@FI/ Fzvjczbvcpr/ MAI

Rpcpj C`qirhvy Bhzebior - Rpcpj Ghqp/ VFI/ MAI

vj~vjrjepcpiqj c~~hiepj` fy Bjepvco Ghqp/

ROFB Bheqjehv Fced

VFI ^vimj vjgzocphv bce `jqhoqj ~hwjvr ph

ECFCV@

^vimcvioy VFI wipl rhmj vhoj ahv ie`zrpvy

crrhbicpiher ( RVH

VFI Ehvmr BCV/ vhqiriheieg

Iebhmj vjbhgeipihe/ Cbbhzepieg Rpce`cv`r

@j~ohymjep ha Aze`r

M!C ( Hwejvrli~ Pvcerajv

Ocvgjoy vjrpvibpj` ph BCV/ ^vhqiriheieg/

hpljv vjojqcep cbbhzepieg ehvmr jpb%

J|bjrr ~vhaip aze` ce` ipr zrcgj

Hpljvr Mibvh aiecebj ierpipzpihe vjgirpjvj` wipl plj

Vjrjvqj Fced rlcoo ehp fj pvjcpj` cr mhejy-

oje`jv ahv plj ~zv~hrj ha cey Rpcpj

jecbpmjepr

Eh mjepihe ha plj rcmj4 Mcy ehp

~hrrjrr plj bherpipzpiheco czplhvipy ahv

plj rcmj cr ipr heoy c vjgzocphv

Fjppjv vjgzocpihe ojc`ieg ph ligljv ojqjor ha boijep ~vhpjbpihe/ gvijqcebj vj`vjrrco/ aciv ~vibieg/ pvcer~cvjeby

ha iepjvjrp vcpjr

Vj`zbjr hqjvcoo ~vhaipcfioipy ahv plj ie`zrpvy ~hpjepicooy caajbpieg ieqjrphv c~~jpipj Wljvj whzo` gvhwpl

bc~ipco bhmj avhm8

Vj`zbjr iebjepiqj ahv MAI ph fj ieehqcpiqj vjgcv`ieg ~vh`zbpr/ ze`jvrjvqj` gjhgvc~lijr/ ejwjv h~jvcpieg

mh`jor wlibl whzo` ~hpjepicooy vj`zbj(rohw `hwe pvcerahvmcpiqj blcegj ie plir r~cbj


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Ojgipimcby ahv ie`zrpvy crrhbicpiher

Rmcoojv MAIr whzo` ejj` ph ohhd ahv azeìeg hv fjbhmj Rjbpihe 6:/ Pvzrpr/ jpb

Ligljv ieipico ! iebvjmjepco pibdjp ri{j ha ohcer ph gcie bzrphmjvr

Gvjcpjv vjoicebj he ieahvmco rjbphv ph mjjp jepivj bvjìp ejj`

Ocvgjv aiecebico rjvqibjr bhr mcy h~p hzp ha mibvhbvjìp cophgjpljv/ hv j|~jvimjep wipl ìaajvjep

lhoìeg bh% rpvzbpzvjr

Hqjvcoo plj ligljv BVCV ehvmr cvj ~vz`jep4 whzo` lhwjqjv ojc` ph rpvjrr he plj C^ MAIr

Ejw ~vhqiriheieg ehvmr whzo` im~cbp rlhvp pjvm ~vhaipcfioipy ce` bc~ipco ~hripiher ha MAIr

Plj ~vibieg bc~r ,fhpl iepjvjrp ce` mcvgie bc~) whzo` vjrzop ie c bc~~j` VhJ vcegj ha 3>-3:*

/

mh`jor cr pljy bceehp blcvgj mhvj ^jvqjvrj rbjecvih wljvj bc~ipcoirj` MAIr lcqj oippoj iebjepiqj ph pcdj ohcer cp ohwjv iepjvjrp vcpjr

avhm fcedr

@iaaibzop ph h~jvcpihecooy im~ojmjep plj mcvgie bc~r cr oheg pjvm bhrp ha fhvvhwieg ir lcv` ph

~vjìbp zeojrr yhz h~p ahv oheg pjehv ohcer

MAIr whzo` ejj` ph ahbzr he ieìqi zco ojeìeg riebj jcbl mjmfjv ir coohwj` ph fj ~cvp ha heoyhej RLG yjp bce cqcio ohcer avhm 6 MAIr


8/15

Plj Fioo lcr c mzbl fvhc`jv `jaieipihe ha mibvhaiecebjip ieboz`jrplviap/ vird bhqjv/ ~jerihe ce` ~cymjep rjvqibjr ze`jv ipr `jaieipihe%

Wlioj ehej ha pljrj cr~jbpr ir aojrlj` hzp ie plj Fioo/ pljrj cvjirrzjr plcp VFI bce c`jszcpjoy pcdj bcvj ze`jv plj EFAB-MAIvjgzocpihe

Plj hpljv cr~jbp plcp plj Fioo ~vhqi`jr ir plcp cey ierpipzpihe wipl cbc~ipco ha Vr% : ocdl bce vjgirpjv ce` h~jvcpj cr ce MAI%

Pljrj rmcoo hvgcei{cpiher ejqjv ~hrj` c fig ~vhfojm% Mhvjhqjv/riebj pvzrpr ce` rhbijpijr cvj ghqjvej` ze`jv plj vjr~jbpiqj~vhqiebico ocwr/ plj rpcpjr cvj ie plj fjrp ~hripihe ph ohhd cp pljrjierpipzpiher/ ieboz`ieg j|cmieieg plj j|pjerihe ha plj Mhejyoje`jvrCbp ph rzbl ierpipzpiher

Ehw plcp VFI lcr pcdje plj ieipicpiqj ha `jaieieg plir r~cbj/ ip miglpfj fjrp ojap ph plj bjepvco fced ph bhepiezj vjaieieg plj vjgzocpiheplce bvjcpj bheazrihe wipl mzopi~oj ocwr ghqjveieg plj rcmj r~cbj


9/15

C ezmfjv ha mibvhaiecebj ierpipzpiher ,MAIr) cvj ohhdieg ph mhqj hzpce`(hv mhqj z~ plj qcozj blcie

Ajw MAIr lcqj c~~vhcblj` Mibvhaiecebj Ierpipzpiher Ejpwhvd ,MAIE) wiplc ~vh~hrco ph mhqj hzp/ cr pljy ~oce ph rjvqj c ejw rjgmjep ha fhvvhwjvr

ie plj Vr :>/>>> ph Vr : ocdl fvcbdjp% Plir wcy/ plj MAIr whzo` eh ohegjv fj gzcv`j` fy plj VFI vjgzocpihe

ghqjveieg plj MAI rjbphv/ fzp cp plj rcmj pimj fj cfoj ph bcpjv ph c lzgjzepc~~j` mcvdjp

Fjpwjje plj mibvh ce` plj rmcoo/ pljvj ir c rjgmjep wlibl bce fjjrbvi j cr miei % P ir rjgmjep rmc jepvj~vjejzvr/ pvc jvr/ ivcec

rphvjr/ cvpircer/ acfvibcphvr/ rjvqibj ~vhqi`jvr/ jpb ejj` ohcer ie pljvcegj ha Vr :>/>>> ph Vr : ocdl% Plj mcierpvjcm fcedr cvj/ ahv plj mhrp~cvp/ ehp bcpjvieg ph plj azeìeg ejj`r ha plir bcpjghvy ha fhvvhwjvr

Qirpccv/ c Fcegcohvj-fcrj` EFAB/ zrj` ph fj ce MAI pioo c ajw mheplrjcvoijv/ pjvmiecpj` ipr mibvhaiecebj h~jvcpiher vjbjepoy ph cqhi` plj

acoohzp ha plj VFI vjgzocpiher% Jszipcr Mibvhaiecebj ir ìqjvriayieg ieph fzriejrrjr oidj lhmj aiecebj

,ìrfzvrj` Vr% 6 Bv rh acv/ cqg% pibdjp ri{j Vr% 3> ocdlr) ce` bhmmjvbicoqjliboj aiecebj ,ìrfzvrj` Vr% 2> Bv rh acv/ cqg% pibdjp ri{j Vr% 6%: ocdlr)


10/15

Fzriejrr mh`jo ìqjvriaibcpihe; Gho` Ohcer/

Ieìqi`zco Ojeìeg/ Ojeìeg ph Mje

Aiecebieg plj ej|p ojg ha gvhwpl RhbicoIeqjrphvr cvj ehp jehzgl

Lhw cvj plj pcvgjp boijepr ha mibvhaiecebj

cgjebijr ìaajvjep avhm py~ibco zvfce bzrphmjvr8

Ir pljvj c ejj` ahv gvjcpjv vjgzocpihe !

iepjvqjepihe fy plj ghqjvemjep fjbczrj pljy

rjvqj plj ~hhv8


11/15

Vjgzocphvy Ehpiaibcpiher

MAI Fioo ~zp z~ ahv bhmmjepr fy plj ~zfoib ie Kzej/ wioo fj pcfoj` ie plj wiepjv rjrrihe ha ^cvoicmjep ie Ehqjmfjv

VFIr cbbj~pcebj ha vjqirj` Mcojgcm ehvmr ojep rhmj rz~~hvp ph plj rjbphv ce` fcedjvr(ieqjrphvr lcqj pcdje ehpibj

Rjbzvipircpihe gzi`joiejr irrzj` fy plj VFI iebvjcrj` lho ieg ~jvih` ahv MAI ohcer fjahvj pljy bce fj rjbzvipirj` avhm 2 ph 1

mheplr/ wlibl lcr ce c`qjvrj im~cbp he aze vcirieg ahv plj rjbphv4 MAIE lcr pcdje plir z~ wipl plj VFI

Ce`lvc ^vc`jrl Ripzcpihe

Bhoojbpiher lcqj ehp vjgirpjvj` cey rigeiaibcep im~vhqjmjep ce` cvj rpioo lhqjvieg cvhze` plj 3>* mcvd

Oipigcpihe bhepiezjr cgcierp plj C^ MAI cbp wlibl lcr ehw fjje rjep fcbd ph C^ Ligl Bhzvp avhm plj Rz~vjmj Bhzvp herp/

Plj C^ ghqjvemjep lcr ahvmj` ce c~j| bvj ip ierpipzpihe bhm~virieg ha whmjer RLGr wipl c rjj` bc~ipco ha Vr :>>bv% Ip wioooje` cp ce iepjvjrp vcpj ha 36*/ wlibl wioo fj azvpljv vj`zbj` ph 2* fcrj` he vj~cymjep lirphvy ce` pibdjp ri{jr/ pjehv/

ierpcoomjepr jpb wioo fj rimiocv ph ajcpzvjr ha c MAI ohce% Ip wioo corh mhfioirj bhm~zorhvy rcqiegr avhm mjmfjvr%

Bhv~hvcpj @jfp Vjrpvzbpzvieg

Irrzj ha ^vhmhpjv gzcvcepjjr wcr bhebj`j` fy plj fcedr cp plj ocrp miezpj plzr coohwieg plj `jfp vjrpvzbpzvieg ph fj ~crrj`

plvhzgl ie plj ghqjvemjep mce`cpj` `jc oiej ha 2>pl Rj~pjmfjv

Fcrib bhmmhe pjvmr ieboz`j c 3-6 yjcv mhvcphvizm he vj~cymjepr/ 36* iepjvjrp vcpj ce` < yjcv ~cymjep rblj`zojr/ ~cvp

`jfp bheqjvrihe ph jszipy(~vjajvvj`

Fcedr lcqj crrzmj` plj viglp ph c~~hiep z~ ph plvjj `ivjbphvr ,ieboz`ieg plj ehe j|jbzpiqj blcivmce) he plj fhcv` ph

hqjvrjj mcecgjmjep ha pljrj ierpipzpiher% Azpzvj Aiecebico cqhi`j` cr plj ~vhmhpjv gzcvcepjj` plj ohcer

Fcedr cbszivj` 1>* ha Pvi jep Mibvhaie fy bheqjvpieg ~cvp ha plj `jfp ph jszipy ce` ~vjajvjebj rlcvjr cp ~cv


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30_microfinance_varun bhandari

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