saving and credit mobilisation

13
fu l art tyf C0f kl/rfng / n]vf k|0ffnL;+jlGw ;d'xsf] nfuL tflnd

Upload: krishna-tiwari

Post on 22-Jan-2018

107 views

Category:

Government & Nonprofit


2 download

TRANSCRIPT

Page 1: Saving and credit mobilisation

fu l

art tyf C0f kl/rfng / n]vf

k|0ffnL;+jlGw ;d'xsf] nfuL tflnd

Page 2: Saving and credit mobilisation

ljifo ;'rL

ljifoj:t' k]h

artsf] kl/efiff ............................................................................................................................................. 2

artsf] cfjZostf ......................................................................................................................................... 2

artsf] p2]Zo ............................................................................................................................................... 2

art ug{] t/Lsf ............................................................................................................................................. 3

artsf kmfObfx? ........................................................................................................................................... 3

artsf] laz]iftf ............................................................................................................................................. 4

jrtsf] k|sf/x? ............................................................................................................................................. 4

art ug]{ pkfox? .......................................................................................................................................... 4

art of]hgf ................................................................................................................................................. 5

art kl/rfng .............................................................................................................................................. 5

art kl/rfng ubf{ Wofg lbg'kg]{ s'/fx?................................................................................................................ 5

;fd"lxs art kl/rfng ug]{ t/Lsf ...................................................................................................................... 5

;fd"lxs art kl/rfng /lhi6/sf] gd"gf ............................................................................................................... 5

C0f kl/rfng ................................................................................................................................................ 6

C0fsf] cfjZostf .......................................................................................................................................... 6

;fd"lxs hdfgLdf C0fsf] Aoj:yf ........................................................................................................................ 6

;fd"lxs hdfgL lsg < ..................................................................................................................................... 6

C0f nufgL ubf{ Wofg lbg'kg]{ s'/fx? .................................................................................................................... 7

C0f nufgLsf If]qx? ....................................................................................................................................... 7

C0fLn] ug{ gx'g] sfo{x? ................................................................................................................................... 8

n]vf ........................................................................................................................................................... 8

n]vfsf] cfjZostf .......................................................................................................................................... 8

n]vf /fVg] t/Lsf ............................................................................................................................................ 8

n]vfsf k|sf/x? ............................................................................................................................................. 8

n]vf /fVbf Wofg lbg'kg]{ s'/fx? ........................................................................................................................... 8

n]vfdf k|of]u x'g] sfuhftx? ............................................................................................................................. 9

n]vf kl/If0f .................................................................................................................................................. 9

n3' pBd -;fgfpBd_ ...................................................................................................................................... 9

cfod'ns sfo{x? 5gf}6 ubf{ Wofg lbg'kg]{ k|d'v s'/fx? ............................................................................................ 10

:yfgLo >f]t / ;fwgsf] kl/rfng ...................................................................................................................... 10

cg';'rLx? .................................................................................................................................................. 11

Page 3: Saving and credit mobilisation

artsf] kl/efiff

s'g} AolQm jf ;d"x ;ldlt cflbn] cfkm"l;t ePsf] gub, lhG;L tTsfn pkef]u gu/L eljiosf] s'g}klg

k|of]hgsf] nflu u/]sf] hu]gf{nfO{ art elgG5 . art b'O{ k|sf/af6 ul/G5 M

!_ cfDbfgL a9fO{ To;sf] s]xL c+z 5'6\ofpg]

@_ cfDbfgL ga9]klg vr{df s6f}tL ug]{ u/]/

artsf] cfjZostf

pTkfbgd"ns sfo{df ;fd"lxs nufgL ug{ .

;fd"lxs ?kdf shf{ ;'/If0f ug{ .

AolQmut ?kdf pknAw u/fpg .

;d"xnfO{ cfTdlge{/ agfpg .

;d"xnfO{ ;+:yfut ljsf; ub}{ n}hfg .

;fx" dxfhgsf] rsf]{ Aofhaf6 5'6sf/f lbnfpg,

cfTd;Ddfg a[l4 ug{ .

lgoldt art ug]{ afgL a;fNg .

;fgf] k'FhLaf6 7"nf] kF'hL lgdf{0f ug{ .

eljiodf cfO{kg]{ ;+s6 6fg{ .

;fd'lxs ?kdf Joj;fo ;+rfng ug{ .

;'/lIft eljiosf] nflu .

;fdflhs sfo{x? ug{sf nflu .

kmh'n vr{ x'gaf6 hf]ufpg .

;fdflhs k|lti7f xfl;n ug{ .

artsf] p2]Zo

dflg;sf cfaZostfx? w]/} ePsf] sf/0f tL cfaZostfx? kl/k'lt{ ug]{ p2]Zosf] ;fy} eljiodf cfO{kg]{

vr{sf ;+s6x?af6 aRg cfˆgf] sdfOsf] s]xL /sd art ug{ rfx]sf] x'G5 . olx rfxgf cg';f/ art

ug]{ laleGg p2]Zo x'g ;S5g\ . tL dWo] s]xL p2]Zo lgDgfg';f/ 5g\ –

!_ AolQmsf] nflu M

eljiodf cfpg] ljleGg ;+s6af6 d'ltm kfpg .

cfsl:ds 3/fo;L vr{ ug{ .

cfly{s, ;fdflhs, l:yltdf ;'wf/ Nofpg .

art ug]{ afgL a:ffNg .

cfod"ns sfd ug{ .

;fdflhs sfo{x? ug{ .

tLy{, a|t, bfg, wd{ ug{ .

@= ;+:yfsf] nflu

k'FhL lgdf{0f ug{ .

Page 4: Saving and credit mobilisation

nufgL a9fpg .

gofF sfo{qmdx? ;+~rfng ug{ .

afXo lge{/tf sd ug{ .

cWoog cg';Gwfgsf sfdx? ug{

;b:o, sd{rf/L / kbflwsf/Lx?sf] lxt clea[l4 ug{

;fdflhs lxtsf sfo{x? ug{ .

#= /fHosf] nflu

pRr cfly{s a[l4 ug{

nufgL a9fpg .

ul/aL 36fpg .

afXo cfly{s lge{/tfdf sdL Nofpg

/fHosf] cfly{s ;fwgnfO{ ljb]lzgaf6 /f]Sg .

art ug{] t/Lsf

cfkm\gf] cfjZostf eGbf a9L pTkfbg jf cfDbfgL u/]/ .

cfkm\gf] art pTkfbgd'ns sfddf nufP/ .

;+DefAo kmh'n vr{x?df s6f}tL u/]/ .

cg'zfl;t 9+un] clgjfo{ ?kdf b}lgs, dfl;s, cflb ?kdf art u/]/ .

;d"xn] cfkm}n] pTkfbgzLn sfd u/]/ .

;d"xn] art shf{df nufgL u/]/ .

artsf kmfObfx?

art4f/f cflys pGgtL

k"hLFsf] lgdf{0f .

kmh'n vr{ s6fO{ art ug]{ afgLsf] ljsf; .

Pscfk;df kf/:kl/s ;xof]u .

cfly{s tyf ;fdflhs ;"/Iff .

;d"xdf lg/Gt/tf .

;fd"lxs cfjfh .

cfTd lge{/tf .

gfkmfsf] afF8kmfF8 .

;fd"lxs lhDd]jf/Lsf] efjgf .

kfl/jfl/s pGgtL .

shf{ dfu ug{;Sg] Ifdtfdf a[l4 .

cfly{s :jtGqtf .

g]t[Tj ljsf; .

;fgfltgf ;fd"bflos ljsf; sfo{ ;+rfng tyf dd{t ;+ef/ ug{ ;Sg] .

cGo lgsfo;+u ;DaGw a9fpg] cj;/sf] ;[hgf .

Page 5: Saving and credit mobilisation

artsf] laz]iftf

AolQmut art eGbf ;fd"lxs art yf]/} ;dodf g} ck|Tofl;t ?kn] a9\g] x'Fbf ;d"xx? art

a9fpg k|f]t;flxt x'g] .

art ug]{ k|a[lt gePsfnfO{ klg art ug]{ ;b:osf] dgf]a}1flgs k|efj k/L art ug{ ;Ifd x'g] .

;fd"lxs efjgf tyf ;d"x bjfjsf] sf/0f c;'nLdf ;lhnf] x'g] .

jrtsf] k|sf/x?

clgjfo{ jrt

P]lR5s jrt M

lzIff jrt, jfn jrt, ljjfx jrt, e}k/L jrt, kj{ jrt, lty{ jrt, d'7L jrt, v'q's] jrt

;f]emf] cy{df art eGgfn] cfkm'n] u/]sf] cfDbfgLaf6 vr{ u/L afFsL /x]sf] /sdnfO{ hgfpF5 . xfdLn] vr{

u/]/ afFsL /x]sf] /sdnfO{ art eGof}F eg] cfw'lgs o'udf xfd|f cfjZostfx? k'/f ug{ xfd|f] cfDbfgLaf6

vr{ k'/\ofpg g} ;Sb}gf} / xfdf\] art klg x'g ;Sb}g . To;}n] at{dfg o'u cg';f/ AolQmn] cfˆgf]

cfDbfgLsf] s]xL efu art 5'6|\ofO{ afFsL /sdaf6 vr{ ug]{ afgL a;fNg'kg]{ x'G5 .

ctM cfDbfgL – art Ö vr{ .

art ug]{ pkfox?

cgfaZos vr{x? x6fP/ ÷ 36fP/ -ef]h–et]/, ljnf;L a:t', >[uf/ cflb _

cDdnx? x6fP/ ÷ 36fP/ - r'/f]6, laFl8, v}gL, ufFhf, r/];,hfF8, /S;L,h'jf, tf; _

vr{df ldtJolotf ckgfP/ -vr{ ug'{kg]{ 7fpFdf ;se/ sdL NofP./_

cfod"ns sfo{x? u/]/ - kmnkm'n, t/sf/L, kz'k{IfL kfng, pBf]u Joj;fo cflb

cfDbfgL / vr{sf] x/ lx;fa /fv]/ - lgoldt n]vfk/LIf0f _

art ug]{ afgL a;fn]/ lbg lbg} jf dfl;s ?kdf

;fd'lxs ?kdf sfd u/]/ - ;+:yfdf ;d'x dfkm{t\ cfkm'nfO{ rflxg] j:t' Psd'i6 ?kdf Nofpg] /

To;/L g} cfkm\gf] pTkfbg ahf/df nlu a]Rg] _

kmh'n vr{ ljZn]if0f

hDdf 3/w'/L – @*) j6f

-!_r'/f]6 vfg] !*) 3/n] @ hgf% ?k}of#) lbg = %$,))).–

-@_;nfO{ !*) 3/n] ! ?k}of#) lbg = %,$)).–

-#_/S;L @)) 3/n] @ hgf@) ?k}of#) lbg = @$),))).–

hDdf ?= cDdnaf6 @,((,$)).–

jif{df #,)),))) !@ = #^ nfv

Page 6: Saving and credit mobilisation

art of]hgf

s'g} vf; p2]Zo k|flLtsf] nflu lglZrt cjlwdf ul/g] sfdx?sf] ?k/]vf / tL sfdx?

;DkGg ug{ ckgfOg] gLlt tyf sfo{ljlwx?sf] ljj/0fnfO{ of]hgf elgG5 .

;+:yf Pj+ ;d"xdf klg art ;+sng tyf kl/rfng sfo{qmd of]hgfa4 9+un] ;+rfng ug{

;f] ;DaGwL gLlt ;j+ sfo{ljlw tof/ kfl/G5 eg] ;f] k|s[ofnfO{ nfO{ jrt of]hgf elgG5 .

s] ug]{ M cfˆgf] cfDbfgLaf6 lglZrt /sd jrt ug{]

lsg ug{ M eljiodf kl/ cfpg] ;d:ofnfO{ xn ug{ .

sxfF ug]{ M ;d"x jf ;+:yfdf art ug]{ .

s;/L ug{ M art vftf vf]nL lgoldt dfl;s ?kdf .

s;n] ug]{ M ;d"xsf ;Dk"0f{ ;b:ox?n] ug]{ .

slxn] ug]{ M ;d"xsf] lg0f{on] tf]s]sf] lbgdf .

art kl/rfng

art kl/rfng eg]sf] ;+slnt art /sdnfO{ ;fd"lxs lg0f{o4f/f pTkfbgd'ns sfo{x?df nufgL u/L

pTkfbg a9fpg' xf] . To:t} ;d"x ;b:onfO{ pTkfbgd'ns lqmofsnfkx?df nufgL ug{sf nflu plrt

Aofhb/df ;fk6L k|bfg ug'{sf ;fy} pgLx?sf] cGo cfjZostf kl/k"lt{ ug'{ xf] .

art kl/rfng ubf{ Wofg lbg'kg]{ s'/fx?

;a{k|yd artnfO{ s:tf] sfdsf] nflu nufgL ug]{ xf] ;f]sf] lgSof}{n x'g'kb{5 .

art kl/rfngsf] cjlw / Aofhb/ lgwf{/0f ul/g'kb{5 .

;d"x art sf]ifaf6 AolQmut / ;d"xut ?kdf nufgL ug{ ;lsG5 . t/ ;d"xdf nufgL ug{

klxnf] k|fyldstf lbO{g'kb{5 .

pTkfbglzn sfo{df nufgL ug]{nfO{ k|fyldstf lbg'k5{ .

nufgLsf] cfsf/ x]/L w/f}6L /fVg] Aoj:yf ;d]t ug'{kb{5 .

;fd"lxs art kl/rfng ug]{ t/Lsf

;d"x artaf6 C0f lng rfxfg] ;b:on] ;d"x cWoIfnfO{ ;f]sf] nflu cfj]bg ug'{kb{5 .

cWoIfn] ;d"x a}7s af]nfO{ cfj]bgsf] cf}lrTotfsf] cfwf/df slt cjlwsf] nflu, slt C0f

:jLs[t ug]{ af/] ;d"x lg0f{o u/fO{ C0f :jLs[lt ug'{kb{5 . o;/L lg0f{o ubf{ a}7sdf cfwfeGbf

a9L ;b:osf] pkl:ylt x'g'kb{5 .

cfDbfgLsf] cfwf/df ls:tf jf Aofh a'memfpg] ;do lgwf{/0f ug'[{kb{5 .

C0f :jLs[t eO{;s]kl5 td;'s u/fP/ C0f k|bfg ug'{kb{5 .

art kl/rfng /lhi6/ tof/ u/L ;f]sf] cg'udgaf6 ls:tf c;'n u/L C0f km5\of}{6 ul/G5 .

;d"x art kl/rfng /lhi6/ lgDgfg';f/sf] tof/ kfg{ ;lsG5 M

;fd"lxs art kl/rfng /lhi6/sf] gd"gf

Page 7: Saving and credit mobilisation

qm=;+ C0fLsf] gfd C0fsf] ljj/0f clGtd

e'QmfgL

ldlt

Aofh

b/

/sd j'emfPsf] ljj/0f j'emfpg jfFsL s}lkmot

p4]Zo ldlt /sd ldlt ;fjfF Jofh hDdf ;fjfF Jofh

!

@

#

$

%

^

&

*

C0f kl/rfng

eljiodf lkmtf{ a'emfpg] u/L tf]lsPsf] zt{df s'g} AolQm jf ;+:yfn] AolQm jf ;+:yfaf6 k}+rf] :j?k lnPsf]

/sdnfO{ C0f elgG5 . oxfF /sdnfO{ dfq C0f elgPsf] ePtfklg lhG;L, a:t'efp klg C0fsf ?kdf

lng ;lsG5 . C0f nufgL klg xf] . h;af6 xfdLn] cfod'ns sfd u/L gfkmf sdfpg ;S5f}+ .

C0fsf] cfjZostf

C0fsf] k|of]hg ljleGg sfo{sf nflu x'g] ePtfklg vf; u/L pTkfbg d'ns sfo{df nufgL ug{

C0f rflxG5 . C0fsf] k|of]hgnfO{ lgDgfg';f/ x]g{ ;S5f} M

cfod'ns sfd ug{ .

k"/fgf] C0f r'Stf ug{ .

;fdflhs cfjZostfsf] vfFrf] 6fg{ .

;fd"lxs hdfgLdf C0fsf] Aoj:yf

;fd"lxs hdfgL C0f s] xf] <

;d"xdf cfj4 ;b:ox?sf] ;fd"lx k|ltj4tf g} lwtf] jf hdfgLsf ?kdf :jLsf/ u/L ;d"xsf

;b:ox?nfO{ k|bfg ul/g] C0fnfO{ ;fd"lxs hdfgL C0f elgG5 .

;fd"lx hdfgL C0fdf s'g} rn jf crn lwtf] lnO{b}g . ;b:osf] ;Lk, hf]z tyf hfFu/ ePsf t/

lwtf] /fVg g;Sg] ;b:ox?nfO{ ;'ljwf lbg] p2]Zon] hfd'lxs hdfgLsf] Aoj:yf ug{ ;lsG5 .

;fd"lxs hdfgL lsg <

x/]s ;b:osf] gfddf cfkm\gf] ;DklQ gx'g ;S5

;b:o;+u lwtf] /fVg ;Sg] pko"Qm a:t' gx'g ;S5 .

;Lk tyf hf]z hfFu/ x'Fbfx'Fb} klg C0f k|fKt ug]{ clwsf/af6 alGrt x'g ;Sg] ePsf]n] .

;Dk"0f{ ;b:ox/nfO{ cfly{s ljsf;df ;xefuL u/fpg . cflb .

Page 8: Saving and credit mobilisation

C0f nufgL ubf{ Wofg lbg'kg]{ s'/fx?

;d"xsf] ;b:o eP gePsf] olsg ug]{ .

C0fsf] k|s[lt tyf s'g Aoj;fosf nflu xf], pQm s'/fnfO{ k|fyldlss/0f ug]{ .

C0fLsf] sfof{g'ej tyf bIftf / ;Lksf] cfwf/df C0f :jLs[t ug]{ .

o; cl3 lnPsf] C0fsf] efsf gf3]sf] jf C0faf6 u/sf] sfo{sf] pknAwLsf] dfkg ug]{ .

C0f dfusf] k|s[of k"/f u/] gu/]sf] olsg ug]{ .

;Dk"0f{ ;b:osf] :jLs[lt eP gePsf] x]g]{ .

C0fLsf] cfr/0f tyf afgLa]xf]/fnfO{ Wofg lbg] .

C0f nufgLsf If]qx?

cfod'ns sfo{x?df M

Aoj;flos v]tL,

kz'kfng,

Aofkf/ Aoj;fo,

n3' pBd,

gub]afnL pTkfbg,

ahf/Ls/0f cflb.

;fdflhs sfo{x?df M

ljjfx

a|taGw

ef]h

et]/

cf}ifwL pkrf/

vfBfGg

nQf sk8f tyf b}lgs pkef]Uo ;fdfg cflb .

C0fLn] Wofg lbg'kg]{ s'/fx?

cfkm\gf] ;Lk, Ifdtf / ahf/ tyf k|fljlws ;+DefAotf x]/L Aoj;fo 5gf}6 ug]{ .

h'g k|of]hgsf nflu C0f k|fKt u/]sf] xf] ;f]xL If]qdf nufgL ug]{ .

Aoj;fo ;'rf? ug]{ / Aoj;flostf tkm{ n}hfg] .

Aoj;fosf nflu cfjZos kg]{ k|fljlws ;Nnfx tyf ;]jfsf] nflu ;/f]sf/jfnf lgsfo;+u ;DaGw

/fVg] .

cfkm\gf] sfj' eGbf aflx/sf] Iflt x'g;Sg] vfnsf] Aoj;fo ePdf Ifltk"lt{ kfO{g] Aoj:yf ldnfpg] .

h:tf] M kz'wgsf] ljdf .

;d"x dfkm{t cfkm\gf] Aoj;fosf] lgoldt cg'udg u/fpg] .

Aoj;fo ;+rfngsf nflu cg'dfg ul/P cg';f/ s'gs'g sfo{df slt vr{ ePsf] 5 / s;/L

cfDbfgL ePsf] 5 :ki6 n]vf vyf{t lx;fj lstfj /fVg] .

Page 9: Saving and credit mobilisation

C0fLn] ug{ gx'g] sfo{x?

cfkm\gf] ;Lk, Ifdtf tyf Aofkfl/s ;+efAotf cWoog gu/L s:tf sfdsf nflu C0f kfpg ;lsG5

eGg] tkm{ dfq Wofg lbg' x'b}g .

Aoj;foaf6 x'g] cfDbfgL / vr{ jf;tljs g/fvL sfNklgs agfpg' x'b}g .

Aoj;fo ;+rfngsf nflu sd jf a9L x'g] u/L C0f lng' x'b}g .

c?n] pS;fpb}df shf{ lnO{xfNg' x'b}g .

csf{sf] ;d:of 6fg{sf nflu cfkm"n] C0f lng'x'b}g .

n]vf

n]vf eg]sf] s'g} klg sfdsf] lnlvt ?kdf b:tfj]h /fVg] sfd sfd xf] .

cfly{s sf]/f]jf/ tyf ;d"xsf cGo sfo{x?sf] lnlvt ?kdf clen]vg ug]{ sfd n]vf xf] .

To;}n] ;d"n] u/]sf ;Dk"0f{ sfo{x?sf] lnlvt ?kdf b;tfj]h agfP/ /fVg] ug'{ kb{5 . ;d"xsf nflu n]vf

/fVg' clgjfo{ x'G5 .

n]vfsf] cfjZostf

jrt ;d"xsf] xsdf eGg' kbf{ s'g s'g >f]taf6 s] slt /sd jrt ;d"xdf k|fKt eof] / jrt ;d"xaf6

s'g s'g If]qdf s] slt /sd kl/rfng eof] eg]/ yfxf kfpgsf] nflu n]vf /flvG5 . k|i6;+u n]vf /flvbf

jrt ;d"xsf] cfly{s sf/f]jf/ kf/bzL{ x'g] / h;n] klg cfjZostfg';f/ x]g{ ;lsg] x'+bf n]vf /fVg

clgjfo{ 5 .

n]vf /fVg] t/Lsf

vftfkftfx? tof/ u/]]/ .

;d"xsf] cfDbfgL, vr{ tyf artsf] n]vfhf]vf ug]{ .

AolQmut art vftf tof/ ug]{ .

n]vfsf k|lqmofx?sf nflu rflxg] kmf/d, gubL /;Lb, td;'s, ljn, ekf{O{, ef}r/ / vftfx?sf]

af/]df hfgsf/L

n]vfsf k|sf/x?

!_ Psxf]/f] n]vf M of] n]vf k|0ffnL k'/fgf] xf] . o;df cfDbfgL / vr{sf] ljj/0f dfq /fv]sf] x'gfn] sf/f]jf/

ck'i6 x'G5 .

@_ bf]xf]/f] n]vf M lng] / lbg] b'a} kIfaLr c;/ kfg]{ x'gfn] o;nfO{ bf]xf]/f] n]vf k|0ffnL elgG5 . o;

k|0ffnLdf Psflt/ lx;fj 36]sf] x'G5 eg] csf]{lt/ a9]sf] x'G5 .

n]vf /fVbf Wofg lbg'kg]{ s'/fx?

vftfkftfx?df s]/d]6 gu/L n]Vg] .

Page 10: Saving and credit mobilisation

cIf/x? z'4 / k|i6 a'lemg] u/L n]Vg] .

sf/f]jf/ ug]{ ljlQSs} n]vf /flvxfNg] .

n]vfdf k|of]u x'g] sfuhftx?sf] ;xL k|of]u ug]{ .

cfkm"nfO{ gcfPsf] s'/f c?nfO{ ;f]w]/ dfq ug]{ .

gubL sf/f]jf/ gug]{ .

cfkm"n] /fv]sf] n]vf cGo hfGg] AolQmnfO{ klg b]vfpg] jf ;Nnfx lng] . cflb .

n]vfdf k|of]u x'g] sfuhftx?

td;'s

lan

ekf{O{

kf;a's

gubL /l;b

vftf

r]sa's cflb .

n]vf kl/If0f

cfGtl/s n]vf kl/If0f M

;d"xn] u/]sf] ;Dk"0f{ cfly{s sf/]fjf/sf] ;d"xsf ;b:ox?af6 cfGtl/s ?kdf n]vfkl/If0f ug'{ kb{5 . o;/L

n]vf kl/If0f ubf{ ;'wf/ ug'{kg]{ kIf b]lvPdf sf]iffWoIfnfO{ ;'emfj tyf ;Nnfx lbg'kb{5 .

afXo n]vf kl/If0f M

dfGotf k|fKt n]vf kl/Ifsaf6 x/]s cfly{s aif{sf] cGtdf n]vf kl/If0f u/fpg' kb{5 . o;/L n]vf kl/If0f

u/fpFbf ;d"xsf sfo{sf/L ;b:o jf cGo ;b:ox?n] u/fpg ;S5g\ . t/ n]vf /fVg] AolQmsf] clgjfo{

pkl:ylt /xg' kb{5 .

;fj{hlgs ;ldIff tyf ;d"x e]nf

;fj{hlgs ;ldIff eg]sf] cfkm"n] u/]sf ;Dk"0f{ sfdsf] ;fj{hlgs ?kdf ;ldIff u/L cfkm"n] u/]sf /fd|f kIf

/ ;'wf/ ug'{kg]{ kIfx? kQf nufO{ sfof{Gjogsf nflu tof/L x'g] sfo{ xf] . t;y{ x/]s ;d"x, ;+:yfx?df

klg ;fj{hlgs ;ldIff ug'{ kb{5 .

;d"xsf] xsdf cw{aflif{s / aflif{s ?kdf u/L aif{sf] @ k6s ;d"xsf ;Dk"0f{ ;b:ox?nfO{ Ps} 7fpFdf e]nf

u/L ;fj{hlgs ;ldIff ug{ ;lsG5 . ;fy} ;f] e]nfdf cfufdL lbgsf nflu cfjZos gLlt lgod tyf

sfo{of]hgf klg lgdf{0f ug{ ;lsG5 .

n3' pBd -;fgfpBd_

yf]/} nfugLaf6 w]/} cfDbfgL ug{ ;lsg] 3/]n' pBf]u .

:yfgLo :t/sf] ;Lk, ;fwg, >f]t / sRrf kbfy{af6 ;+rfng ug{ ;lsg] Aoj;fo .

Page 11: Saving and credit mobilisation

pTkflbt ;fdfu|L :yfgLo:t/df g} ;xh} ljqmL ug{ ;lsg] ;+efjgf /x]sf] ;fgf] pBf]u .

cfod'ns sfo{x? 5gf}6 ubf{ Wofg lbg'kg]{ k|d'v s'/fx?

!_ k|fljlws ;+DefAotf M xfjfkfgL, hldg, df6f], kfgL, dd{/ ;+ef/ ;'ljwf, bIf hgzlQm, k|fljlws

;]jfsf] k|ofKttf .

@_ ahf/sf] Aoj:yf M pTkflbg a:t' lalqm ug{ ahf/sf] pknAwtf, pTkfbg ;fdfu|Lsf] ;'ne

pknAwtf, d"No tyf k|ltikwf{, 9'jfgL ;'ljwf, pTkflbt a:t'sf] u'0f:t/ cflb .

#_ cfly{s ;+DefAotf M cfjZos k"FhLsf] Aoj:yf, ;+efljt nfut / gfkmfsf] lx;fj lstfj .

cg'dflgt gfkmf tyf C0f e'QmfgLsf] lx;fj .

$_ Aoj:yfkg Ifdtf M k/Dk/fut ;Lk tyf cg'ej, tflnd ;+efAotf .

%_ cGo M kfl/jfl/s / afXo ;xof]u, c? sfo{df kg]{ c;/, 3f6f ePdf To;af6 aRgsf nflu ljsNk,

a9L jf sd hf]lvdk"0f{ cflb .

:yfgLo >f]t / ;fwgsf] kl/rfng

:yfgLo:t/df k|fKt ug{ ;lsg] >f]t ;fwgsf] kl/rfng ug'{nfO{ :yfgLo >f]t / ;fwgsf] kl/rfng

elgG5 .

x/]s C0fLn] Aoj;fo ;+rfng ubf{ ;se/ :yfgLo >f]t ;fwgnfO{ kl/rfng u/L cfDbfgL ug{

;lsg] vfnsf] Aoj;fo 5gf}6 ug'{kb{5 . o:tf Aoj;fo 5gf}6 ubf{ C0fLn] ;xh ?kdf Aoj;fo

;+rfng ug{ ;Sg] / sd nufgLaf6 klg a9L gfkmf cfh{g ug{ ;Sg] cj:yf /xG5 . :yfgLo >f]t

;fwg cGt/ut hn, hldg, h+un kb{5g\ .

Page 12: Saving and credit mobilisation

;b:otf g+= ================================================

gfd M ============================================================

k]zf M================================================================

7]ufgf M=============================================================

C0f g+= ===============================

C0fsf] p2]Zo M==========================

Jofhb/ M===================================

hdfgL÷Ho]yf M================================================

ls:tf /sd M====================================================

clGtd e'QmfgL ldlt M============================================

;b:otf g+= ================================================ xsjfnfsf] gfd M==========================================

gfd M ============================================================ gftf M================================================================

cg';'rLx?

!= C0f vftf

ldlt ljj/0f ef}r/ g+= C0f lnPsf]

/sd

C0f lkmtf

u/]sf] /sd

afFsL Jofh s}lkmot

@= art vftf

Page 13: Saving and credit mobilisation

ldlt ljj/0f ef}r/ g+= hDdf u/]sf] /sd

lems]sf]] /sd

afFsL Jofh s}lkmot

! @ # $ % ^ & *