gf;fk; gf;fk; gf;fk; gf;fk; 1 njhFjpnjhFjpnjhFjpnjhFjp 3, [dtup[dtup[dtup[dtup 2010

MFI f;fSf;F epjptoq;Fjy;

epjptoq;Fk; topia vq;Nf fhz;gJ?

,e;j ,jopy; cs;s tpNrl mk;rq;fs;,e;j ,jopy; cs;s tpNrl mk;rq;fs;,e;j ,jopy; cs;s tpNrl mk;rq;fs;,e;j ,jopy; cs;s tpNrl mk;rq;fs;

NDTF Ald; tpNrl Neu;fhzy; 4 FbapUg;G kPjhd Ez;epjpapd; jhf;fk; 5 re;ij Muha;r;rp cw;gj;jp mgptpUj;jp 6 MFI f;fhd fzf;Fj; jPu;f;Fk; Mgj;J Kfhikj;Jtk; 7

,yq;if Ez;epjpf; fUj;juq;F ISSN 2012-5666 njhFjp 3, [dtup 2010

gf;fkgf;fkgf;fkgf;fk; 2 .,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F

Mrpupau;fsplkpUe;J xU thu;j;ijMrpupau;fsplkpUe;J xU thu;j;ijMrpupau;fsplkpUe;J xU thu;j;ijMrpupau;fsplkpUe;J xU thu;j;ij

mLj;j ,jopNy Ez;epjpr; rq;fq; fisAk; mtu;fsJ gq;ifAk; gw;wp ehk; fye;JiuahlTs;Nshk;. MfNt> rfy Ez;epjp filg;gpbg;ghsu;fs;> newpahsu;fs;>Kd;ndLg;ghsu;fs;>my; yJ Vida gq;Fjhuu;fSf;F jkJ fUj;Jf;fs; mgpg;gpuhaq;fs; kw;Wk; mDgtq;fis vkf;F mDg;gpitf;F khW ehk; cw;rhfg;gLj;JfpNwhk;.

tiyg;g pd;dyhdJ xU ehl;bNyh my;yJ gpuhe;jpaj;jpNyh Ez; epjpj; Jiwapd; ntw;wpf;Fk; tsu;r;rpf;F khd gpujhd fhuzpfspy; xd;whfp apUf;fpwJ. tYkpf;f gpuhe;jpa kw; Wk; ehlshtpa rq;fq;fs; Ez; epjpf; filg;gpbg;ghsu;fSf;F jkJ mDg

tq;fis gupkhw;wk; nra;J nghJ thd nrayhw;wy; juq;fis fl;b naOg;gp nfhs;if mikg;ghsu;fspy; nry;thf;Fr; nrYj;jtjd; %yk; Ez;epjpj;Jiw Nghd;wtw;wpd; tsu;r; rpf;F trjpNaw;gLj;jfjhftpUf;Fk;.

Ez;epjpj;Jiwapd; ntw;wpfukhd rhj idr; rupjq;fs; rpythfSEEP BWTP,

WWB kw;Wk; ghfp];jhdpa tiy aikg;G vd;gd r pythfTs;sd. .,yq;ifapd; epiyik vd;d? vkf; Fk; xU rq;fk ; Njitah? jkJ mDgtq;fis gfpu;e;Jnfhs;s ,yq; ifapd; MFI fSf;Fg; nghJ Nkil

ia Vw;gLj;jpf; nfhLf;Fkh?mJ MFI ,d; $l;Lnkhj;jkhd mikg; ghf ,Uf;Fkh ? mtw; w pd ; gq ;F ahJ ? ,j;Jiwapd; gq;Fjhuu;fshy; vOg;gg;gl;l rpy tpdhf;fNsahFk;. MfNt > ,J nj hl u ; g h f vkJ mLj;j ,jopy; cq;fs; fUj;Jf; fisntspg;gLj;Jtjw;fhf ,lj;ij ehk; toq;f vz;zpAs;Nshk;.

jaTnra;J cq;fs; fUj;Jf;fs; vz;zq;fs; kw;Wk; mDgtq;fis micro finance.forum@gmail.com vd;w Kftupf;F mDg;gp itAq;fs;.

mLj;j mLj;j mLj;j mLj;j SLMF ntspaPl;by; tutpUg;git> Ez;epjpr; rq;fq;fs; ntspaPl;by; tutpUg;git> Ez;epjpr; rq;fq;fs; ntspaPl;by; tutpUg;git> Ez;epjpr; rq;fq;fs; ntspaPl;by; tutpUg;git> Ez;epjpr; rq;fq;fs; ---- mtu;fsJ gq;F ahJ?mtu;fsJ gq;F ahJ?mtu;fsJ gq;F ahJ?mtu;fsJ gq;F ahJ?

cs;Su; nra;jpfs;cs;Su; nra;jpfs;cs;Su; nra;jpfs;cs;Su; nra;jpfs;

md;Gs;s thrfNu>

SLMFF,d; Kjyhk ; >,uz; lhk ; gjpg ; GfSf;fhf fpilj;j fUj;J fSf;Fk; ngWkjpkpf;f gpd;D}l;ly; fSfFk; cq;fSf;F ehk; ed;wp$W fpNwhk;. ,j;Jiwapd; Nkk;ghl;Lf;fhf mwpt +l ;Lf pd ;w t ptuzg;gLjJk; jfty;fisg;gug;Gfpd;w ,g;gzpapy; ehk ; njhlu ;e ;jpUf ;f ,J vkf;F ijupa%l;b cw;rhfg;gLj;jpaJ. fle;j rpy khjq;fshf gyjug; gl;l cs;Su; kw;Wk; ru;tNjr ehLfisr; Nru;e;j Ez; epjp filg;gpbg;ghsu;fs;> MNyhrfu;fs; > tiyg;g pd;dyfs; > newpg ; gLj;JNthu ; >e pjp toq;Fk; Kftu; e piyaq;fs; Mfpatw;iw xU nghJthd Nkilf;F nfhz;L te;J ,j; JiwapNy vkf;Fs;s gy; NtW tplaq;fis fye ;Jiuahb vkJ mDgtq;fis gfpu;e;J vkJ mw pitAk ; t p] ; j P uzg ; gLj ; j pf ; nfhs;s vk ;khy ; Kbe ;jJ. jkJ mDgtq;fis vk;NkhL gfpu ; e ;J nfhz;l midtUf;Fk; ehk; ed;wp Ailat u ; fsh f ,Uf ; f p N w h k ; . ,yq;if Ez;epjp epWtdq;fSf;F epjptoq;Fjy; njhlu;ghd jiyg;gpy; ftdQ;nrYj;JfpwJ. jw;Nghija re;ju;g;gj;jpy; Ez;epjpj; Jiwapy; kpf Kf;fpakhd jiyg;Gfspy; xd; whf Ezepjp toqFjy; ,Ug;gjhy; Ez;epjp epWtdq;fSf;F epjptoq;F jy; njhlu;ghf gyjug;gl;l mk;rq; fis fye;JiuahLtJld; gy;NtW fz;Nzhl;lq;fisAk; gfpuTk; Kad; wpUf;fpNwhk;. NDTF ,dhy; tl;b tpfpjj;Jf; fhd t u k ; i g m w p K fQ ; n r a ; j y ;

,j;Jiwapy ; fye;Jiuahlg;gLk; gpujhdkhd mk;rq;fspy; xd;whf Ts;sJ. SLMFFMdJ NDTF,d; fld;trjpfs; gzpg;ghsu; jpU. Gpajh rhit Neu;fhzy; nra;J ,e;j el tbf;iff;Fg; gpd;dhy; cs;smtu; fsJ fUj;Jf;fis gfpu;e;J nfhs;s Kbe;jJ. jkJ xj;Jiog;Gf;Fk;gq;f spg;Gf;Fk; jpU rpy;th mtu;fSf;Fk; NDTF,d; gpajhr mtu;fSf;Fk; ,r; re;ju;g;gj;jpy; ed;wp $Wfpd;Nwhk;. ,g;gjpg;g pd; fl;Liufs; toq;fpg; g q ; fs p j ; j ,yq ; if t p a h g h u mgpt pUj;j p e piyaj;j pd ; ru pe ;j uj;tj;j> nry;tp ejPuh uzghk;> jpU epuh[;Fkhu; kw;Wk; jpU rpj;u Nrd m t u ; f S f ; F k ; e d ; w p $ w tpUk ;GfpNwhk ; . e pr ; rakhf jkJ ngWkjpkpf ;f mwpTiu fSf;Fk; xj;Jiog;gf ;Fk; MNyhridrig cWg;gpdu;fSf;Fk; ehk; ed;wp $w tpUk;GfpNwhk;. ,jw;F Nkyjpfkhf fle;j khjk; SLMFF ,dhy; elj;jg;gl;l fUj;Jf; fzpg;gPl;bd; Clhf ntspg;gLj;jg; gl;bUe;j rpy fUj; Jf;fisAk; ehk; gfpu;e;Jnfhs;s tpUk;GfpNwhk;. ,jpy; gjpyspj;j 44%MNdhu; njhopy;El;g Nrit toq ; Fe u ; fshfTk ; 3 3 % MNdhu; Ez;e pjp e pWtdq;fisr; Nru;e;NjhuhfTk; ,Ue;jdu;. cs;Su; fld; trjp toq;FjYf;fhd mZF Kiwfs; jsu;j;jg; gl;lik ey;y njdTk; ru;tNjr ruprkd; epjp Naw; ghLfSf;fhd mZFKiw kpfNkhr khd njdTk; 44%MNdhu; $wpdu;. mNj Neuk; ru;tNjr fld;trjpf; fhd epjp Vw;ghLfSf;fhd mZF KiwNkhrk; vd 55% MNdhu; Fwpg;

gpl;bUe;jdu; . KiwNa66%, 55% MNdhu; Nrkpg;Gf;fhd newpg;gLj;jy; Kjy; gu ptu ; j ;jid fl;Lg ; ghl ;L newpg;gLj;jy; kw;Wk; ru;tNjr epjp Vw; ghL nra;jy; vd;gd Nkk;gLj;jg; gl Ntz;ba %d;W Kf;fpaJiw fshf Kd;dpWj;jpf;fhl;lg;gl;ld. mj;Jld; 88%MNdhu; tl;btPjtuk;G fs; Ez;epjp epWtdq;fs; njhlu;e;J epiyj;jpUg;gij NkYk; rpukg;gLj;J nkd fUj;J ntspg ; gLj;j pa pUe ; jik ,q;F Fwpg;gplj;jf;fJ. ,g; gjpg;gpNy ,f; ifj;njhopypy; Kd; Ndhbfshf ,Ug;NghuJk; rpy fw;if Ma;TfshYk; ntspg;gLj;jg;gl;b Ue;j fUj;Jfs; cs;slf;fg; gl;L cs;sd. re;jh> tprhuizfs;> fUj;Jiufs; ve;jnthU nkhopapYkhd fl;Liu gq;fspg;gfs; kw;Wk; Vidatw;Wf;F khf jaTnra;J microfinance.forum @gmail.com vd;w Kftupf;F vOJq; fs;. cq;fsidtUf;Fk; kfpo;r;rp fu khd Gj;jhz;L tho;j;Jf;fis njup tpg;gJld; Ez;epjpj;Jiwapy; cs; NshUf;Ftskpf;fJk; vjpu;fhyj;jpy; tuf;$ba rpwe;j Mz;lhfTk;mika tho;j;JfpNwd;. cq;fs; cz;ikAs;s

epNuh\pdp rtdtL

,k;uhd; egPu;

epNuh\dP rtdtLepNuh\dP rtdtLepNuh\dP rtdtLepNuh\dP rtdtL

ICT / Ez;epjp MNyhrfu;

nra;jp tyk;nra;jp tyk;nra;jp tyk;nra;jp tyk;

Ez;epjpf;fhf gpuj;jpNafkhf mu;g; Ez;epjpf;fhf gpuj;jpNafkhf mu;g; Ez;epjpf;fhf gpuj;jpNafkhf mu;g; Ez;epjpf;fhf gpuj;jpNafkhf mu;g; gzpf;fg;gl;l Kjyhk; Ez;tq;fp gzpf;fg;gl;l Kjyhk; Ez;tq;fp gzpf;fg;gl;l Kjyhk; Ez;tq;fp gzpf;fg;gl;l Kjyhk; Ez;tq;fp mynfhd;iw mynfhd;iw mynfhd;iw mynfhd;iw HNB Muk;gpj;Js;sJ. Muk;gpj;Js;sJ. Muk;gpj;Js;sJ. Muk;gpj;Js;sJ.

fpuhkg;Gw kf;fSf;F mZff;$ba jhf epjpr;Nritfis Mf;Fk; GJ thf;FWjpia ehtyg;gpl;ba Nju;jy; njhFjpapd; FUe;Jtj;japy; cs;s HNB Ez;epjp myFfs; epiwNtw;wp As;sd. epjpAjtp njhopEl;g mwpT re ;ijg ;gLj;Jk; Vw;ghLfs; vd;g tw;iw fpuhkr; r%fq;fSf;F toq;F jy; > cs;slq;fyhf gue;jsthd nghjp xd;iw Kd; itg;gNj ,e;j Kjw;gb Kaw;rpa pd; gpd;dzpapd; vz;zf;fUthFk;.

,yq;if Ez;e pjpf; ifj;njhopy; ,yq;if Ez;e pjpf; ifj;njhopy; ,yq;if Ez;e pjpf; ifj;njhopy; ,yq;if Ez;e pjpf; ifj;njhopy; mwpf;ifapd; 2009 Mk; Mz;bd; mwpf;ifapd; 2009 Mk; Mz;bd; mwpf;ifapd; 2009 Mk; Mz;bd; mwpf;ifapd; 2009 Mk; Mz;bd;

rpq;fs> jkpo; nkhopg;ngau;g;Gfs; rpq;fs> jkpo; nkhopg;ngau;g;Gfs; rpq;fs> jkpo; nkhopg;ngau;g;Gfs; rpq;fs> jkpo; nkhopg;ngau;g;Gfs; cs;sd:cs;sd:cs;sd:cs;sd: Kjy ; Ki wa h f ,y q ; if a p d ; Ez;epjpj;Jiwapd; tpsf;fq;fSld; $ba ifj;njhopy; mwpf;ifahdJ rpq;fs> jkpo;> Mq;fpy nkhopfspy; fpilf;ff;$bajhd ,e;j mwpf;if fishttp://www.microfinance.lk/gtz pub-

lic.php vd;w Kftupapy; gjptpwf;fk; nra ;J nfhs;s KbAk; .mw pf ;if fspd; mr;rplg;gl;l gpujpfis Promis fhupahyak; 16Mk; khb <];l; ltu;> cyf kj;jpa re;ij nfhOk;G 01 vd ; w Kftu pa py pU e ;J ngw ;Wf ; nfhs;syhk;.(www.microfinance.lk) ,yq;ifapy; Ez;epjpf;F Vw;ghL ,yq;ifapy; Ez;epjpf;F Vw;ghL ,yq;ifapy; Ez;epjpf;F Vw;ghL ,yq;ifapy; Ez;epjpf;F Vw;ghL nra;Ak; Gjpa epWtdk; nra;Ak; Gjpa epWtdk; nra;Ak; Gjpa epWtdk; nra;Ak; Gjpa epWtdk;

,yq;ifapy; Ez;e pjpf ;F Vw;ghL nra;Ak; Gjpa epWtdk; Rkhu; 125 gpy;ypad; ,yq;if &gha; mstpy; kjpggPL nra;ag;gl;Ls;s Ez;epjpf; fhd ghupa Nfhupf;iffSf;F Vw;ghL nra;Ak; tpjj;jpy; ,yq;ifapy; kpf tpiuthf Fnshgy; bu];l; gpdhd;rp ay; Nrit ypkpll; vdg;gLk; xU Gjpa epjp epWtdk; mikf;fg; gl Ts;sJ. mjd; Kfhikj;Jt gzpg; ghsu ; Rrd;j ngu ;zhd;NlhTf;F mika epjpepWtdk; vd;w tifapy; ,aq;Ftjw;fhd mDkjpia kj;jpa tq;fpapl kpUe;J ,e;epWtdk; vjpu; ghu;j;J cs;sJ.

%yk; - http:www.sundaytimes.lk/091018/

financial times/1140.html

(3k; gf;fk; njhlu;fpwJ)

,k;uhd; egPu;,k;uhd; egPu;,k;uhd; egPu;,k;uhd; egPu;

Ez;epjp MNyhrfu;

gf;fk; gf;fk; gf;fk; gf;fk; 3 njhFjpnjhFjpnjhFjpnjhFjp 3, [dtup[dtup[dtup[dtup 2010

nra;jp tyk; (njhlu;r;rp)nra;jp tyk; (njhlu;r;rp)nra;jp tyk; (njhlu;r;rp)nra;jp tyk; (njhlu;r;rp)

Kfhikj;Jt Jt mgptpUj;jpf;fhf gapw;Weu;fis gapw;Wtpj;jy; 2009 etk;gu; 16 - 21 tiu nfhOk;gpy; ,lk;ngw;wJ. ,e;j Ntiyg; gl;liw ahdJ njd;dhrpa MFI fspd; njupT nra;ag;gl;l gq;Fgw;Weu;fSf;fhf

Ez;epjp jiyikj;Jt epiyaj; jpdhy; (WWB) elj;jg;gl;lJ.

,yq;ifapy; Kjd;Kiwahf r%f nrayhw;wy; Kfhikj;Jt Ntiyg; gl;liw 2009 etk;gu; 25 – 28 jpfjp fspy; elj;jg;gl;lJ. ,J GTZ-ProMis nraw;wpl;lk; kw;Wk; ,e;jpah

tpd; EDA fpuhk Kiwikfs; (PVT) epWtdj;jpd; tpNrl xj;Jiog;Gld; mgptpUj;jp mDruizahsu;fshy; elj;jg;gl;lJ. ,e;j Ntiyg; gl;liw fspy; vl;L MFI Nru;e;j gq;Fgw;W eu;fs; fye;J nfhz;ldu;.

(2k; gf;fj;jpypUe;J njhlu;fpwJ)

gapw;rpfs;; :gapw;rpfs;; :gapw;rpfs;; :gapw;rpfs;; :----

1. Ez;epjp epWtdq;fsf;fhd epjprhu; gFg;gha;Tk; fzf;fPLfSk; (jpfjp ngg;utup 4—6 2010) nfhOk;G)

2. cs;sf fl;Lg;ghLfSk; Mgj;Jf; fs; mbg;gilapyhd cs;sf fzf; fha;T fs; (ngg;utup 8-11 2010)

njhlu;G nfhs;s Ntz;baJ

info@nimbusconsulting.net, tp[ak; nra;f:

www.nimbusconsulting.net Nimbus Consulting

Ez;epjpf;fhd epWtduPjpahd kw;Wk; njhopy;El;gk; rhu;e;jJkhd Rw;whly; 7 – 8 [dtup 2010 ,e;jpah

cs;Su; kw;Wk; ru;tNjr gapw;rpg; ghlnewpfSk; epfo;TfSk;cs;Su; kw;Wk; ru;tNjr gapw;rpg; ghlnewpfSk; epfo;TfSk;cs;Su; kw;Wk; ru;tNjr gapw;rpg; ghlnewpfSk; epfo;TfSk;cs;Su; kw;Wk; ru;tNjr gapw;rpg; ghlnewpfSk; epfo;TfSk;

fpuhkpd;Nghd; gq;Fr; re;ijf;Fr; fpuhkpd;Nghd; gq;Fr; re;ijf;Fr; fpuhkpd;Nghd; gq;Fr; re;ijf;Fr; fpuhkpd;Nghd; gq;Fr; re;ijf;Fr;

nry;fpwJ.nry;fpwJ.nry;fpwJ.nry;fpwJ.

2006 Nehgy; rkhjhdg; gupR ngw;w nkh`kl; a+D}]; vd;gtuhy; mikf; fg;gl;l Ez;epjp ghupa epWtdkhd f pu hk pd ; tq; f pa pd ; cjt pngWk; mikg;ghd fpuhkpd; nlypnfhk;kpf;F 38% gq;Fupik nfhz;l epWtdk; fpuhkpd; Nghd; MFk;. ,jw;F gq;f shNjrpd; Jupjfjpapy; tsu;r;rp mil Ak;. 46 kpy;ypad; iflf;f njhiy Ngrp thbf;ifahsu;fSs; 21 kpy;yp ad; thbf;ifahsu;fs; mbj;jsj; ijf; nfhz;Ls;sJ.;. tUkhdj;ijg; nghUj;js tpy; ,J ehl;bd; kpfg; ngupa jdpahu; epWtdkhFk;. fpuhk Nghdpd; IPO MdJ ehl;bd; tuyhw; wpNyNa jdpahu; tq;fp xd;wpdhy; e piy ehl ;lg ; gl ;bUe ;j Ke ;ija rhjidia ehd;F klq;Ffis tpl mjpfkhf Kwpabj;Js;sjhf lhf;fh gq;Fr; re;ijapd; guptu;j;jid jiy tu; ufpg; cy; u`;khd; $wpdhu; . (http;//www.dailymirror.lk/DMBLOG/sections / frm news detail view.aspx? artid = 63014)

sms I mbj;jhskhff; nfhz;l I mbj;jhskhff; nfhz;l I mbj;jhskhff; nfhz;l I mbj;jhskhff; nfhz;l Ez;epjp Kiwik ntspahf;fg; Ez;epjp Kiwik ntspahf;fg; Ez;epjp Kiwik ntspahf;fg; Ez;epjp Kiwik ntspahf;fg; gl;lJ.gl;lJ.gl;lJ.gl;lJ. ntspahf;fg;gl;Ls;s xU Gjpa Kiwik MFIf;fs; jk; KOj; njho pw ; ghLfisAk; ifalf;fj; njhiyNgr pfs ; xU jd pg ; gl ; l nfhz;L nry ;Yk; fzpd pg ;nghwp (laptop) %ykhf elj;j toptFf;fpd; wJ vd cupik ghuhl ;Lfpd ;wJ. ‘Front line sms - credit’ Kiwik ahdJ sms fisjpushf;Fk; nkd; gz;lk; kw;Wk; elkhLk; tu;j;jf toq;fy;fis cs;slf;fp MFI f;fs; ifalf;fg; nghwpfs; %yk; fld; fis toq;fTk; mtw;iwj; Njbawp aTk; toptFf; fpd;wJ. ,J front-

line sms vdg;gLk; Rje;jpukhf ,.aq; Fk; vtuhYk; mZff;$ba nkd; gz;lj;jpd; mbg; gilapy; mike;j jhFk;. ,J elkhLk; fzpdpg; nghwp iaAk; ifalf;fj; njhiyNgrp iaAk; xU kj;jpa njhlu ; ghly ; ikakhf khw;wpaikf;fpd;wJ. ,J epWtg;gbd; GMS je;jpapy;yhj fk;gp

(wireless) njhiyNgrp tiyaikg; igj; njhl;L gadhspfs; ifalf; fj; njhiyNgrp %ykhf kf;fs; FOf;fSld; njhlu;Gnfhz;L nra;jp thrfq;fis mDg;gTk; ngwTk; top tFf;fpd;wJ.

mjd; ,iza jsj;Jf;fika xt; nthU epjpj;Jiwr; NritfisAk; njhopy; Kaw;rp nfhz;l twpa kf;f Sf;F 160 ml;ruq;fs; my;yJ mjw; Ff; Fiwthdtw;iw fpilf;fr; nra; tij frontline sms fld;trjp Nrit fpilf;fr; nra;fpd;wJ. ,e;jg; Gjpa Kaw;rpahdJ Rje;jpukhdJk; vtuh Yk; mZff;$ba %ytsq;fisf; nfhz;l epjpj;Jiw nkhba+y; njhlu; xd;iwf; fl;bnaOg;gp mjd; %yk; cz;ikahd fhyg;nghOjpy; el khLk; nfhLg;gdT KiwikfSld; frontline sms I njhlu;ghly; nra;a toptFf;fpd;wJ.

,jid epWtpatupd; fUj;Jg;gb frontline sms I ,J Ez;epjp Kfh ikj;Jt jfty; Kiwik rpwpJk; eLj;jukhd njhopy; Kaw;rpfshf (sme) rk;gs gl;Lthlh epiyakhf Tk; Ez;fhg;GWjp fl;lzk; kw;Wk; nfhLg;gdTfspd; Nrfupg;G kw;Wk; tpepNahf epiyakhfTk; jdpg;gl;l fld; tuyhWfs; njhiffs; Nghd; wdtw;Wf;F frontline sms f;F khw;wp tpLk; vd;fpwhu;. http://www. fineex-tra.com/full story.asp? id=20616

MFI f;fSf;fhd fld; toq;Fk; f ;fSf;fhd fld; toq;Fk; f ;fSf;fhd fld; toq;Fk; f ;fSf;fhd fld; toq;Fk; mikg;G ,e;jpahtpy; cUthf;fk;; mikg;G ,e;jpahtpy; cUthf;fk;; mikg;G ,e;jpahtpy; cUthf;fk;; mikg;G ,e;jpahtpy; cUthf;fk;; 25 Ez; e pjp e pWtdq;fs; vy;gh(elpa) vdg;gLk; ek;gpf;if epjpa nkhd;iw cUthf;fpAs;sd. ,J Ez ; e pj p j ; Jiwf ; f h f jd ; id mu;g;gzpj;Jf;nfhz;l i` khu;f; vdggLk ; fld ;toq;Fk ; mikg; nghd;iw cUthf;f cs;sd. vy;gh Tf;F Basix ,d; jtprhsu; tp[a; k`h[Dk; <f;Ftplh]; ikf;Nuh gpdhd;rpd; Kfhikj;Jtg; gzpg;ghsu; gp .vd; . thRNjtd; ck; jiyik jhq;fpAs;sdu;. %ytsk;:http://www.dnaindia.com/

money/report/-credit-bureu–for–mfis-in

-making-1296640

twpNahUf;fhd fld; trjpfs; kPjhd twpNahUf;fhd fld; trjpfs; kPjhd twpNahUf;fhd fld; trjpfs; kPjhd twpNahUf;fhd fld; trjpfs; kPjhd tl;b tpfpj tuk;Gf;F vjpuhf tl;b tpfpj tuk;Gf;F vjpuhf tl;b tpfpj tuk;Gf;F vjpuhf tl;b tpfpj tuk;Gf;F vjpuhf RBI Ez;epjp epWtdq;fshy; mwtplg;gLk; $bf;nfhz;Nl NghFk; tl;b tpfpjk; njhlu;ghf ,e;jpa upru;t; tq;fpAk; (RBI) rpNu\;l murhq;f mYtyu; fSk; fu prid nfhz;Ls;s mNj Neuk; kj;jpa tq;fpahdJ tpfpjq;fs; kPjhd ve;jnthU tuk;igAk; myl;rp ak; nra;Js;sJ. Ez;epjp epWtdq; fshy; mw tplg;gLfpd;w mjpf gl;r tpfpjf; fl;lzq;fs; gw;wpa tplak; njd;dpe;jpahtpd; rpw;rpy gpuNjrq; fspy; gy;klq;F fld; toq;fg;gLk; rk ; gtq ; fshf mJ mj pf u pj ; j tz;zk; cs;sJ.

Ez;epjp epWtdq;fshy; mwtplg;gLk; fld; tpfpj fl;lzq;fs; kPJ fl;Lg; ghLfis tpjpf;ff;$ba tha;g;Gf;fs; Ez;epjp kNrhjh epiwNtw;wg;gl;lJk; Vw;glf;$ba tha;g;Gfs; cs;sd. ‘ e Pjpj ;Jiw mikr;r pdhy ; rl ;l kNrhjhtpd; Gjpa efy; KbT nra; ag;gl Ts;sJ. Njitg;gbd; tl;b tpfpjk; gw;wpa gzpg;Giufis ,e;j kNrhjhthdJ murhq;fj;Jf;F toq; Fk; mjpfhuj;Jf;F topnra;Ak;’ vd; fpwhu;. ,e;j efy; kNrhjhitj; ja h u p g ; g j p y ; < L g l ; L s ; s xU m j p f h u p . S o u r c e : h t t p : / /www.dnaindia.com/money/report_rbi-against-interest-rate-cap-on-loans-to-poor_1298716

twpatu;fSf;fhd epjpj;Jiw mZF twpatu;fSf;fhd epjpj;Jiw mZF twpatu;fSf;fhd epjpj;Jiw mZF twpatu;fSf;fhd epjpj;Jiw mZF jiy fw;if nra;Ak; jiy fw;if nra;Ak; jiy fw;if nra;Ak; jiy fw;if nra;Ak; IMF jpl;lkjpl;lkjpl;lkjpl;lk; tWikia Fiwg;gij Nehf;fkhf nfhz;l nfhs;iffSf;F cjTk; e pjprhu ; NritfSf;F mZFjy; kPjhd jfty; jpul;Lk; cyfshtpa nraw;wpl;lnkhd;iw ru;tNjr ehza epjpak; mwptpj;J cs;sJ. ,r; nraw;wpl;lj;jpd; fPo; fld;fs; itg ; Gfs ; >fld ; g piz Kw pfs ; kw;Wk; fhg;GWjp vd;gtw;iw toik ahd mbg;gilapy; ehLfsplkpUe;J juTfisj; jpul;lTs;sJ. ,J epjp rhu; NritfSf;fhd mZFjiy t p u p t h f ; F k ; n f h s ; i f f i s Kd;Dupikahf;f cjTk;. Source:http://ae.zawya.com/Story.cfm/sidANA20091005T095448ZFLX91/IMF%20announces%20project%20to%20study%20financial%20access%20for%20poor

ru;tNjr nra;jpfs;ru;tNjr nra;jpfs;ru;tNjr nra;jpfs;ru;tNjr nra;jpfs;

gf;fkgf;fkgf;fkgf;fk; 4 .,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F

fye;Jiuahlw; fUj;juq;Ffye;Jiuahlw; fUj;juq;Ffye;Jiuahlw; fUj;juq;Ffye;Jiuahlw; fUj;juq;F

1991 ,y; murhq;f mikg;nghd;whf Vw;gLj;jg;gl;l Njrpa mgptpUj;jp ek;gpf;if epjpak; (NDTF) gzpg;ghsu; rignahd;wpdhy; Kfhikj;Jtk; nra;ag;gL fpd;wJ. 2003 ,y; ,Nj ngaiuf;nfhz;l gue;jsthdJk; ghupasthdJkhd Fwpf;Nfhs;fisf; nfhz;l cj;juthj epWtdk; ,j; Jld; xd;wpizf;fg;gLtJld; epWt dq;fSffhf fld;trjp nra;tjd; nghUl;L Mrpa mgptpUj;jp tq;fp aplkpUe;J (ADB)epjpfisg; ngw;Wf; nfhz;lJ. ,J Ez;epjp njhopw;ghL fspy; RahjPdkhdJ.

fld; kw;Wk; fldy;yhj cjtpia toq;f pathW ,yq;ifapy ; Ez; epjpj;Jiwia mgptpUj;jp nra;tjpy; NDTF MdJ NgUjtpahf mike;J te ;Js;sJ. Ez; e pj p e pWtdq; fSf;F(MFI) epjpia toq;fpajhy; mj;JiwahdJ jk;ik mgptpUj;jp nra;af;$bajhf ,Ue;jJld; tY kpf;f Mw;wiy ,g;NghJ mile;J cs;sJ. jw;NghJ NDTF 250 gq; fhsu; mikg;GfSld; Nru;e;J gzp ahw;Wfpd;wJ.MapDk; kpf mz;ik apy; NDTF Ez; epjp epWtdq;fshy; (MFI) nfhLf;fg;gLk; fld; trjp njhlu;ghf 15% tPjkhd tl;b tuk;G xd;iw (tPo;r;rpAWk; ifapUg;G) mwp KfQ; nra;jJ. ,r;nray;Kiw vjpu; ghuhj tpjkhf epfo;e;jjhy; ,yq;if Ez; e pjpj; Jiwapd; <Lgl;Ls;s rpyu; ,t;thwhd eilKiw Fwpj;J jkJ ftiyia njuptpj;jdu;.

,j;Jiwapd; jw;Nghija Njit-fisAk; gpur;rpidfisAk; gw;wpj; JUtp Muha;e;J mjw;fhd jPu;Tfis fhz;gjw;Fupa fye;Jiuahly;Nkil nahd;iw ,yq;if Ez;epjp fUj; juq;F(SLMFF) tpUk;Gtjhy; NDTF aplk; ,e;j tl;btpfpjk; tuk;Ggw;wpa xU njspitg; ngw;Wf ; nfhs;s ciuahbNdhk;.

SLMFF: ,e;j tl;b tpfpj tuk;gpd; Nehf;fk; vd;d?

NDTF: <w ;wpy ; flidg; ngWk; gadhspf;fhd tl;b tpfpjj;ijf; Fiwf;Fk ; murhq ;fj;jpd ; nfhs; iff;F mika ,k;KbT 2009[_iy khj Muk;gj;jpy; vLf;fg;gl;lJ ehl; bd; kpfTk; tWikapy; thLNthUf;

Fk; Ez; njhopy; Kaw;rpfSf;FNk ehk ; Nrit nra ;fpd ; Nwhk ; . Ez; njhopy;Kaw;rpnahd;iwf; ifahSk; twpatu; MFI f;F kpfg; ngUk; tl;b tpfpjj;ijnrYj;jKbahjtuhf ,Ug;ghu;.gq;fhsu; epWtdq;fs;20% kl;lj; jpy; my;yJ 30% Fiwe;J nfhz;L NghFk; kpFjpapy; tl;btpfpjq;fis mwtpLfpd;wd. ,jpy; rPuhf;fy; vJ TNk ,y;iy.

xU rpwpa njhopy;Kaw;rpahsu; 30% Md epfu kpif ,yhgj;ij tl;b tpfpjj;ij nrYj;jNt ciof;f Ntz;bapUf;Fk; . vdNt fpilf;Fk; tUkhdk> ; ,yhgk; <l;LksTf;Fg; Nghjhky; ,Ug;gjhy; jkJ tpahgh uj;ij epiyj;J itj;jpUf;f rpukq; fis vjpu ;Nehf;f Ntz;bAs;sJ. vkJ Fwpf ;Nfhs; gpujhdkhf rpwpa njhopy; Kaw;rpahsu;fSf;F (vkJ epjpapd; <l;L gadhspfs;) Kf;fpa khf epthuzj;ij toq;FtjhFk;.

SLMFF: NDTF ,lkpUe;J fld; thq;Fk; MFIfspd; gpujpgypg;Gfs; ,Jtiuf;Fk; vt;thWs;sd? NDTF: ,q;Nf fpilf;fg;ngw;Ws;s gpujpgypg;Gfs; fyg;ghd fUj;Jf; fshf ,Ug;gpDk; jhf;fkhdJ me;j sTf;F fLikahf ,y;iy vd;Nw nrhy;Ntd;. Fwpgghf tpj;jpahrkhd tpjj;jpy; fld;fis toq;Fk; rpy ngupa MFIf;fs; NDTF epjpAld; Fiwe;j tpfpjj;jpy; gzpGupAk; NghJ jkf;F cs;s rpukq;fisg; gw;wp vkf;F mwptpj;Js;sdu; .,Ug;gpDk; xU rpy MFIf;fis jtpu VidNahu; njhlu;r;rpahf NDTF ,lkpUe;J kPs; epjptrjpfisg;ngw;W jkJ gadhsp fSf;F 15 %f;Fk; Fiwthd tUl tl;bf;F fld; nfhLf;fpd;wd. rpwpa gq;fhsu; epWtdq;fs;(PO),j;jifa tl;b tpfpjj;Jld; jpUg;jpg;gLfpd; wd. ,j;jifa rpwpa fpuhkkl;l mikg;Gf;fis Nkk;gLj;JtNj vkJ Fwpf; NfhshFk; . ngu pa MFIf;fs; tl;b tpfpjj;ij mjpfupg;gNj xNu jPu;thf epidf;fhJ> jkJ njhopw; ghl;Lr; nrytpdq;fis Fiwg;gjw;F eltbf;if vLg;gJld; gapw;rpaspj; jy; Nghd;w Jiwfspy; kiwKfkhf NDTF ,d; cjtpiaAk; ngwyhk;.

rpy MFI f;fs; Vw;fdNt vkJ epjp trjpfis tpidj;jpwDld; gad; gLj;Jtjw;fhf Kd;ndLg;Gfis Nahridfis Kd;itj;Js;sd.

mtu;fs; jkJ fld;fis NDTF epjp iag; gad; gLj; j p Kjw; flid nfhLj;J Vida fld; toptiffs; %yk; gpw fld;fis toq;Fk; tpjj; jpYk; NtWgLj;jpAs;sdu;.

SLMFF: : ,e;j tl;b kl;lk; nry;Y gbahFk; jpfjp ahJ? NDTF : [_iy Kjyhk; jpfjp 2009

SLMFF: ,J Gjpa fld;fSf;F kl;Lkh?my;yJ Gjpa> eilKiwapy; ,Uf;Fk; fld;fSf;Fkh nghUe;Jk;?

NDTF: Gjpa fld;fSf;F kl;LNk.

SLMFF :,f ; fld ; t pf p jk l ; lk ; flidg; ngWk; MFI fspd; KOik ahd fld; tptfhuq;fSf;Fkh my; yJ NDTF ,dhy; epjp toq;fg;gLk; gFjpf;F kl;Lkh tpepNahfpf;fg;gLk;?NDTF: NDTF ,dhy; toq;fg;gLk; fld;fSf;F kl;LNk mJ nghUe;Jk;. ,j;Jiwapy; NDTF gzp Gupfpd;w xNunahU mur mikg;ghFk; . mj; Jld; tl;b tpfpjj;ij Fiwg;gNj murhq;fj;jpd; nfhs;ifAkhFk;.

SLMFF: jug;gl;Ls;s re;ju;g;g #oy; fSf;F Vw;g 8% kpifg; gFjp MFI xd;W epiyj;jpUf;fg; NghJkhdJ vd ePq;fs; Vd; vz;ZfpwPu;fs;?

NDTF:ngupa MFIf;fis nghWj;js tpy; ,e;j 8% tl;bg; guk;gy; me;j sTf;F kpifad;W. Vnddpy; ga dhspfSf;Fj; jkJ xj;Jiog;ig tpup thf;Ftjhy; mtu;fsJ njhopw ghl;Lr; nryT kpf mjpfk; Mdhy; rpwpa fpuhk mikg;GfSfF ,J Ng hJk . ; M F If ; fs ; jkJ fld ; epfo;r;rpj jpl;lq;fis tpidj;jpwd;> gaDWjpgghl ;L tpjj;jpy; mKy; nra;a Kay;tjd; %yk; jk; njhopw; ghl;Lr; nrytpdq;fis Fiwj;Jf; nfhs;s KbAk;. FWfpafhy fl;lj; j py ; ,jd ; jhf ; fk ; mj pfk hd jhf ,Ug;gpDk; ePz;lfhy Nehf;fpy; ,J ,yq;ifapy; MNuhf;fpakhdJk; tpidj;jpwDkhd Ez;;epjpjJiwia cUthf;Fk;. (8k; gf;fj;jpy; njhlu;fpwJ)

Njrpa mgptpUj;jp ek;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy;Njrpa mgptpUj;jp ek;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy;Njrpa mgptpUj;jp ek;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy;Njrpa mgptpUj;jp ek;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy;

vy;.V.gpajhrvy;.V.gpajhrvy;.V.gpajhrvy;.V.gpajhr

gzpg;ghsu; gzpg;ghsu; gzpg;ghsu; gzpg;ghsu; ---- fld;trjpfs;fld;trjpfs;fld;trjpfs;fld;trjpfs;

Njrpa mgptpUj;jp Njrpa mgptpUj;jp Njrpa mgptpUj;jp Njrpa mgptpUj;jp ek;gpf;if epjpak;ek;gpf;if epjpak;ek;gpf;if epjpak;ek;gpf;if epjpak; (NDTF)

“ ,q;Nf ,q;Nf ,q;Nf ,q;Nf

fpilf;fg;ngw;Ws;s fpilf;fg;ngw;Ws;s fpilf;fg;ngw;Ws;s fpilf;fg;ngw;Ws;s gpujpgypg;Gfs; fyg;ghd gpujpgypg;Gfs; fyg;ghd gpujpgypg;Gfs; fyg;ghd gpujpgypg;Gfs; fyg;ghd

fUj;Jf;fshf ,Ug;gpDk; fUj;Jf;fshf ,Ug;gpDk; fUj;Jf;fshf ,Ug;gpDk; fUj;Jf;fshf ,Ug;gpDk; jhf;fkhdJ me;jsTf;F jhf;fkhdJ me;jsTf;F jhf;fkhdJ me;jsTf;F jhf;fkhdJ me;jsTf;F fLikahf ,y;iy vd;Nw fLikahf ,y;iy vd;Nw fLikahf ,y;iy vd;Nw fLikahf ,y;iy vd;Nw

nrhy;Ntd;. Fwpgghf nrhy;Ntd;. Fwpgghf nrhy;Ntd;. Fwpgghf nrhy;Ntd;. Fwpgghf tpj;jpahrkhd tpjj;jpy; tpj;jpahrkhd tpjj;jpy; tpj;jpahrkhd tpjj;jpy; tpj;jpahrkhd tpjj;jpy; fld;fisfld;fisfld;fisfld;fis toq;Fk; rpy toq;Fk; rpy toq;Fk; rpy toq;Fk; rpy ngupa ngupa ngupa ngupa MFIf;fs; f;fs; f;fs; f;fs; NDTF

epjpAld; Fiwe;j epjpAld; Fiwe;j epjpAld; Fiwe;j epjpAld; Fiwe;j tpfpjj;jpy; gzpGupAk; tpfpjj;jpy; gzpGupAk; tpfpjj;jpy; gzpGupAk; tpfpjj;jpy; gzpGupAk; NghJ jkf;F cs;s NghJ jkf;F cs;s NghJ jkf;F cs;s NghJ jkf;F cs;s

rpukq;fisg; gw;wp vkf;F rpukq;fisg; gw;wp vkf;F rpukq;fisg; gw;wp vkf;F rpukq;fisg; gw;wp vkf;F mwptpj;Js;sdumwptpj;Js;sdumwptpj;Js;sdumwptpj;Js;sdu”

rupj uj;tj;jrupj uj;tj;jrupj uj;tj;jrupj uj;tj;j

,yq;if tpahghu ,yq;if tpahghu ,yq;if tpahghu ,yq;if tpahghu mgptpUj;jp epiyak;mgptpUj;jp epiyak;mgptpUj;jp epiyak;mgptpUj;jp epiyak;

“...vkf;F Gjpajhd rl;lq; fs; VJk; Njitaw;wit. eilKiwapYs;s rl;lq; fs; kl;LNk KOikahf mKy; elj;jggbd;> ,yq; ifapy; MFI f;fSf;F epjp

toq;Ftjw;fhd jw; Nghija gw;whf;Fiw kpfr; rpwpanjhU gpur;

rpidahfNt khwptpLk;.”

MFI ,dhy; itg;Gf; fzf;Ffis mzpjpul;ly;,dhy; itg;Gf; fzf;Ffis mzpjpul;ly;,dhy; itg;Gf; fzf;Ffis mzpjpul;ly;,dhy; itg;Gf; fzf;Ffis mzpjpul;ly;

jkJ cWg;gpdu;fspilNa Ez;epjp epWtdq;fs; MFIEz;njhopy; Kaw;rp fis cUthf;Fk; nghUl;L nghWg;G tha;e;j fld; fyhrhuk;> ,t;thwhd epjpaq;fis KjyPL nra;J fld; toq ;Ff pd ; w e piyikia fl ; b naOg;Gtjw;fhf jdJ cWg;gpdupd; fspd; itg;Gf; fzf;Ffis mzp jpul;l Ntz;bAs;sJ.

,yq;if kj;jpa tq;fpapd; epjpr;;rig ahdJ gpupT 76 (V) gpupT 76 (V) (1) (,) gpukhzq;fSf;fika 1988 ,d; 30 Mk; ,yf;f %yKjyhd tq;fpr; rl;lik jpUj;Jk; 1995 ,y; 30 Mk; ,yf;f tq;fpj;jpUj;jr; rl;lj;jpd; gb ahd tq;fp rl; lj;jpd;gb mDkjp ngwhj tu;j;jf tq;fpfs; my;yhj> epjp epWtdky;yhj> $l;LwTr; rq;f epWtdky;yhj fl;bl epWtdky;yh jit jkJ cWg;gpdu;fsplkpUe;J ve;jnthU rl;lj;jpd; fPOk; cUthf; fg;gl;L ,yhgNehf;fq;fSfF ,y;yh tpby; itg;Gfisg; ngwNth KjyPL nra;aNth my;yJ fld; nfhLg;g jw;Nfh vOj;J %yk; mDkjpf;fg;gl yhk;.

,e;j toptiffs; njhopw;glf; $ba tpjkhf rl;lq;fis mikg;gjw;fhf tq;fpr;rl;lj;jpdhy; tYt+l; ;lg;gl;l Jiza h f g a d ; g L k ; r l ; l g ; gpukhzq;fis ,yq;if kj;jpa tq;fp Mf;f Ntz;bAs;sJ. gpukh zr; rl;lfNtiyfspd;NghJ fhzg; gl;l FiwghLfis fz;Lgpbg;gjw; fhf Fwpg;ghf ,e;j toptiffs; ,aw;wg;gl;ld.

,e;j toptiffspd;gb ru;Nthjah tpd; SEEDS epWtdk; ,yq;if kj;jpa tq;fpapd; mDkjpf; fbjk; xd;iwg; ngw;Ws;sJ vdTk; rpwpJ fhyj ;Jf ;F Kd; du ; mj ; jifa mDkjpf;fhf mu;j;jrhupa epWtfk; tpz;zg;gpj;Js;sJ vdTk; ,yq;if kj;jpa tq;fpapd; epjpr;rig mtu; fsJ Ntz;LNfhis jkJ ftdj; Jf ; Fl ; gl ; lnjd mw pt pj ; Js ; s njd;Wk; njupa te;Js;sJ.

gy Ez;epjp toq;Feu;fSf;F rl;lg+u;tkhf itg;Gfis mzp jpul; ly; gpur;rpidahf nra;J tU fpd; wd. ,e;j epiyik rPu;jpUe;J kh

dhy; MFI f;F epjp toq;Fk; xU Kf;fpakhd %ytsj;Jf;F top gpwf; fpwJ. ,jid miltjhapd; vkf;F Gjpajhd rl;lq;fs; VJk; Njit aw;wJ. eilKiwapYs;s rl;lq;fs; kl;LNk KOikahf mKy; elj; jg gbd;> ,yq;ifapy; MFI f;fSf;F epjp toq;Ftjw;fhd jw;Nghija gw;whf;Fiw kpf rpwpanjhU gpur; rpidahfNt khwptpLk;.

rupj uj;tj;jrupj uj;tj;jrupj uj;tj;jrupj uj;tj;j

,yq;if tpahghu ,yq;if tpahghu ,yq;if tpahghu ,yq;if tpahghu mgptpUj;jp epiyak;mgptpUj;jp epiyak;mgptpUj;jp epiyak;mgptpUj;jp epiyak;

gf;fk; gf;fk; gf;fk; gf;fk; 5 njhFjpnjhFjpnjhFjpnjhFjp 3, [dtup[dtup[dtup[dtup 2010

fle;j E}w;whz;bd;NghJ ‘epjp mgp tpUj;jp kw;Wk; nghUshjhu tsu;r;rp’ Jiwapy; kpf Kf;fpakhd Kd;nd Lg;G Ez;epjp MFk;. fpuhkq;fisg; NghyNt efug ; gwq ; fspYk ; r pW njhopy; Kaw;rpfspy; KjyPl;il Kd;ndLg;Gr; nra;tjd; %yk; fpuhk mgptpUj;jp kw;Wk; tWik xopg;gpd; Clhf epiyNgwhd nghUshjhu tsu;r;rpapd; tpidj;jpwd; kpf;f cg fhuzkhf mJ gutyhf Vw;Wf ; nfhs;sg;gl;lJ. kpf mz;ikapy; Fiwe;j tUkhd Kila kf;fSf;F gaid Nehf;fkhf nfhz;l nghUsh-jhu mgptpUj;jp mZFKiwahfTk; tWik Fiwg;G> ghy;rkj;Jtj;Jf;F xj;Jioj;jy;> $Ljyhd ruprkdhd tUkhdk; t pe pNahfj;ij Cf;F tpj;jy; jdpahs; Jiwia tpUj;jp nra;jy; kw;Wk; gq;Nfw;G mgptpUj; jpia Kd;ndLg;Gr; nra;jy; Nghd;w cs;slq;fpa Gj;jhapukhk; Mz;L mg pt pUj;jp ,yf;Ffis (MDG ) miltjw;fhd rpwe;j topahfTk; mgptpUj;jp nghUspayhsu;fs; Ez; e pjpa pd; kPJ typAWj;jiy Nkw; nfhz;ldu;.

jq;Fkplk; Kd;DupikgLj;jg; gl;l mbg;gil Njitahf ,Uf;Fk; mNj Neuk; FbapUg;Gf;fis ifkhw;whfg; ngWk; (BHH) tPlikg;G mgptpUj;jp apd;kPJ Ez;epjpj; jhf;fj;ij nfhz; bUj;jy; Ntz;Lk;. MapDk; Ez;epjp apd; jq;Fkplk; gw;wpa jhf;fk;kPjhd jk; ftdj;ij Ma;thsu;fs; ,J tiuapy; nrYj;jtpy;iy.,e;j ,il ntspapy; Ez; epjpiag; nghWj;j tiuapy; Ez;epjpAk; jq;FkplKk; Gjpa JiwfshfTs;sd. vdNt> Ez;epjp epfo;r;rpj; jpl;lq;fspy; jq;F kpl Nkk;ghl ;L kjpg ; gPL nra;tJ Kf;fpakhFk; . ,yq;ifapd; njd; khfhzj;jpy; FbapUg;G epiyik-fis Nkk;gLj;Jk; Ez;epjp epfo;r; rpj ; jpl ;lq ;fs; BH H) vt ;tsT tpidj;jpwd; kpf;fit vd;gij gFg; gha;T nra;tij jw;Nghija fw;if ahdJ Nehf;fkhf nfhz;Ls;sJ.

Kd;dzp Ez;epjp epWtdq;fspd; (MFI) ehd;F Njrpa kl;lq;fspy; 405 Ez;epjp ngWeu;fisg; gw;wpa Ma; tpd; mbg;gilapy; ,t;tha;T mike; Js;sJ. epjprhu; $l;LwTr; rpf;fd kw;Wk; fld; $l;LwT mikg;Gfs; (ETCCS) murhq;fj;jpd; Mjuitg; ngWk; epWtdq;fsp ypUe;J rKu;j;jp tq;fp rkh[q;fs; (SBS)murrhu;gw;w

mikg;;GfspypUe;J XusTf;F mur-rhu;Gila kw;Wk; ru;Nthja nghUsh jhu njhopy; Kaw;rp mgptpUj;jp rkh [q;fs; gFg;gha;tpd; Nehf;fj;Jf;fhf xU tUlj;Jf;F Nkw;glhj Ez;epjp Aldhd jdJ cWg;ghz;ikf;fhyj; ijf;nfhz;l jw;Nghija ngWeu; fspypUe;j FbapUg;Gfspd; FOf; fisg; gw;wpa xg;gPL Nkw;nfhs;sg; gl;lJ. BHIfspd; gpe;jpa FOf;fs; BHHsG2 1-4 Mz;Lfs; tiuapyhd cWg;ghz;ikiaf; nfhz;ljhfTk; BHHsG3 (Ez;epjp epWtdq;fSl dhd cWg;ghz;ikf; fhyk; ehd;F Mz;Lfis tpl mjpfkhfTk; cg gpupTfshf gpupf;fg;gl;ld. ,j;jhf;fj; ij fzpg;gPL nra;tjw;fhf jw;NghJ FbthOk; tPl;bd; jq;Fkpl trjpfs;> trpg;gjw;fhd ,ltrjp> FbapUg;gpd; epiyik vd;gd Rl;bfshfg; gad; gLj;jg;gl;lJ. FbapUg;Gfspd; ,U jug;G FOf;fSk;(CHHIkw;Wk; BHH)rfykhwpfspdJk; ruhrup elj;ij nry;YgbahFk; jd;ik (ATE)vd;gd kjpg;gPL nra;ag;gl;ld.

juTg; gFg;gha;tpd; mbg;gilapy; Ez;epjp fld; trjpfs; ifkhw;whfg; ngwg;gLk; FbapUg;GfSf;F (BHH) gaid mspj;jd vd;gij fl;Liu Mrpupau; mwpfpwhu;. ,J tPlikg;G epiyikfs; ($iuapd; epiyiaj; jtpu) trpg;gplk; kw;Wk; FbapUf;Fk; tPnlhd;wpd; re;ij tpiy Nghd;w vy;yh Rl;bfs; njhlu;ghd mtu; fsJ FbapUg;gpd; me;j];J Nkk; ghlila nra;a cjtpaJ. cjhuz khf>CHHfspd; 20.3% tplBHHG ,d; FbapUg;G tPnlhd;wpd; thOk; ,l trjpapd; (124.4 rJu mb) epfug; ngWkhd tpj;jpahrk; (ATE) $Lj yhf ,Ue;jJ. ,jw;fpilNa rpnke;J rhe;J g+rg;gl;l BHHsG3 FbapUg;G tPnlhd;wpd; gf;fr;Rtu; epiyik 85.5% Mf ,Uf;ifapy; BHHsG2 itg; nghWj;jstpy; rPnke;J g+rg; gl;l gf;fr;Rtu;fspd; tPl;Lf;fhd tpfpjk; 71.5% khf Fiwe;jTld; CHHI nghWj;jstpy; ,e;j tpfpjk; NkYk; 42.3% Mf Fiwe;jJ. NkYk; BHH G-3 ,d; 9% ck;>BHHsG2 ,d; 15.1%ck; Md tPLfs; rhzk; nkO fg;gl;l jiufspd; tpfpjg;gq;F 30.9% Mf mjpfupj;jJ. ,Wjpahf FbapUg;G tPLfspd; re;ij tpiy gw;wpa gpd;dilT gFg;gha;T nfhz; L s;s rhd;Wfshdit> khjpupf;fhf vLf;fg;gl;ltw;wpd; Vida khjpupfs;

mNjthW ,Uf;Fkhdhy; BHHsG3 tPnlhd;wpd; ngWkhdj;jpd; 4.1 myF mjpfupg;ig fld; tof;Ffspy; xU myF mjpfupg;G Vw;gLj;Jk;. ,jw;F tpj;jpahrkhf BHHsG3 tPl;Lg; ngW khdj;jpy; 2.2 mjpfupg;ig kl;LNk fld; toq;Ftjpy; xU myF mjpfupg;ig Vw;gLj;Jk;. ,e;j gFg; gha;tpd; mbg;gilapy; Ez;epjpia filg;gpbg;Nghu; jkJ rpwpasT nghU shjhu msTj;jpl;lkhf tPlikg;G fld;fSf;F epjp toq;Ftij Neub ahf <LgLtjpy; ,Ue;j NghjpYk; BHHfspd; FbapUg;Gfis CHH fS ld; xg;gpLk; NghJ kiwKfkhf <L gLk; MF MdJ rpwe;j jhf;fj;ij Vw;gLj;Jfpd;wJ.

,f;fw;ifapd; KOikahf fw;Wiu ahf;fpNahuplkpUe;J ngw;Wf;nfhs;s KbAk;.

V.N[.vk;. re;jpujhrV.N[.vk;. re;jpujhrV.N[.vk;. re;jpujhrV.N[.vk;. re;jpujhr rpNu\;l tpupTiuahsu;

nghUspaw;Jiw

WFz gy;fiyf;fofk;

Chandra@econ.ruh.ac.lk

Ez;epjpAk; jq;FkplKk;Ez;epjpAk; jq;FkplKk;Ez;epjpAk; jq;FkplKk;Ez;epjpAk; jq;FkplKk; : ,yq;ifapd; njd; khfhzj;jpy; Ez;epjp epfo;r;rpj;jpl;lk; ,yq;ifapd; njd; khfhzj;jpy; Ez;epjp epfo;r;rpj;jpl;lk; ,yq;ifapd; njd; khfhzj;jpy; Ez;epjp epfo;r;rpj;jpl;lk; ,yq;ifapd; njd; khfhzj;jpy; Ez;epjp epfo;r;rpj;jpl;lk; njhlu;ghd jhf;ff; fzpg;gPL njhlu;ghd jhf;ff; fzpg;gPL njhlu;ghd jhf;ff; fzpg;gPL njhlu;ghd jhf;ff; fzpg;gPL

„ juTg; gFg;gha;tpd; mbg;gilapy; Ez;epjp fld; trjpfs; ifkhw;wh fg; ngwg;gLk; FbapUg;G fSf;F (BHH) gaid mspj;jd. ,J tPlikg;G epiyikfs; ($iuapd; epiyiaj; jtpu) trpg; gplk; kw;Wk; FbapUf;Fk; tPnlhd;wpd; re;ij tpiy Nghd;w vy;yh Rl;bfs; njhlu;ghd mtu;fsJ FbapUg;gpd; me;j];J Nkk;ghlilar; nra;a cjtpaJ “

V.N[.vk;. re;jpujhrV.N[.vk;. re;jpujhrV.N[.vk;. re;jpujhrV.N[.vk;. re;jpujhr rpNu\;l tpupTiuahsu; nghUspaw;Jiw WFz gy;fiyf;fofk;

cq;fSf;F cq;fSf;F cq;fSf;F cq;fSf;F kfpo;r;rpfukhd kfpo;r;rpfukhd kfpo;r;rpfukhd kfpo;r;rpfukhd GJ tUl GJ tUl GJ tUl GJ tUl

ey; tho;j;Jf;fs; !ey; tho;j;Jf;fs; !ey; tho;j;Jf;fs; !ey; tho;j;Jf;fs; !

2010

fw;if Ma;Tfs;fw;if Ma;Tfs;fw;if Ma;Tfs;fw;if Ma;Tfs;

gf;fkgf;fkgf;fkgf;fk; 6 .,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F gf;fk; gf;fk; gf;fk; gf;fk; 6

,q ; F nts p ; g ; gL j ; j g ; g l ; L s ; s fUj;Jf;fs; fl;Liu MrpupaUilaJ. mitPlan Srilankatpd; fUj;Jf; fisg; gpujpgypg;gjhf mikahJ.

jw;Nghija tpahghur;#oypy; cw;gj; jpr; Rw;wpd; ‘thbf;ifahsupd; jpir thbf;ifahsupd; jpir thbf;ifahsupd; jpir thbf;ifahsupd; jpir Kfg;gLj;jyKfg;gLj;jyKfg;gLj;jyKfg;gLj;jy;’ Nghl;b epiwe;j re;ij apNy ntWkNd epiyj;jpUg;gjw;F jt p u ; f ; f Kba h jj h fTs ; sJ . jw;Nghija ftdf;Fiwg;gpd; khw;wj; Jld; gy ;NtW %Nyhghaq;fspd; Clhf nghUl;fis cw;gj;jp nra;J mtw;iw tpw;gid nra;fpd;w cw;gj; cw;gj; cw;gj; cw;gj; j pia Nehf ; f h ff ; nfhz ;lit j pia Nehf ; f h ff ; nfhz ;lit j pia Nehf ; f h ff ; nfhz ;lit j pia Nehf ; f h ff ; nfhz ;lit Nghd ; w vz;zf ; fUf ; fspy pue ;J nghUl;fspd;> Nritfspd; mgtpUj; jpf;F Kd;duhf thbf;ifahsupd; Kd; tpUg;GfSk; NjitfSk; ,dq; fhzg;gl;l> thbf;ifahsiu Nehf; fpajhf gupzkpj;Js;sd. ,g;Nghf;F Ez;epjpj;JiwapYk; vOr;rp ngw;w tz;zk; cs;sJ. ,q;Nf Ez;epjp epWtdq;fs; (MFI) jkJ thbf;if ahsUf;F cfe;jjhd> thbf;ifah su; ikakhd epjp rhu; cw;gj;jpfs; mgptpUj;jp nra;ag;gLfpd;wd. ,jw;F Nkyjpfkhf.MFI fis fl;lhag;gLj; Jk; Njitnahd;Wk; fhzg;gLfpd; wJ. mjhtJ MF ,d; cw;gj;jpfs; thbf;ifahsUf;Nfw;wthW mikah ikahy; xt;nthU Mz;Lk; MFI fs;> mNefkhf gy MFI fs; thbf;if ahiu fzprkhdsT ,og;gjdhy; mit $LjyhdsT thbf;ifahs Uf;F Vw;wthW nghWg;Gld; nraw;gl Ntz;bAs;sjhfTs;sd. (HULME 1999) vdNt ,g;gbg;gl;l vz;zf;fU rhu;e;j #o;epiyapy; re;ij Muha;r;rp vg;gb nghUe;JfpwJ? MFI fSf;F thbf;ifahsu; Nehf;fpa Nritahythbf;ifahsu; Nehf;fpa Nritahythbf;ifahsu; Nehf;fpa Nritahythbf;ifahsu; Nehf;fpa Nritahy; fpilf;ff;$ba ed;ikahit? re;ij Muha;r;rpapd; nray;KiwfSk; El; gq;fSk; ahit? ,yq;iff;fhd #o; epiyapy; mit vt;thW gpuNahfpf; fg ;glyhk;? ,itNa fl;Liuapy; JUtp Muhag;gLk; rpy tplaq;fsh Fk;. re;ij Muha;r;rpre;ij Muha;r;rpre;ij Muha;r;rpre;ij Muha;r;rp (MR) MFI xd;wpd; jw;NghijaJk; vjpu; fhyj;j py ; tuf ;$ba Mw; wiyf; nfhz;ltuhf ,Uf;Fk; thbf;if ahsupd; NjitfisAk; Kd; tpUg; Gf;fisAk; tpsq;fpf; nfhs;tjw;fhf tbtikf;fg;gl;l xU nraw;ghlhf Tk; mJ njhopw;gLfpd;w #oYf;Fk; epjprhu; jsj;jf;Fk; mika ,aq;F jy; vd tiutpyf;fzg;gLj;jg;gl;Ls; sd.(Wright2000),jid eilKiwg; ;gLj;JNthupd; Kjy; tpdhthd MFI fSf;F thbf;ifahsiu Nehf; fpa cw;gj;jpia mgptpUj;jp nra;tjhy; fpilf;ff;$ba ed;ikfs; ahit?vDk; tpdhTf;F ,e;j tiutpyf; fzk; tpilfis toq;Ffpd;wJ.

jiyg;gpYs;s tpsf;fk; Fwpg;g pL tjd;gb Gjpa cw;gj;jpfis tpUj;jp nra;tjd; kPjhd jfty;fs;> eil KiwapYs;s cw;gj;jpfis rPu;ik ahf;fy; kw;Wk; re;ijg;gLj;jiy Nkk;gLj;jy;> thbf;ifahsupd; fz; Nzhl;lq ;fisAk; e pjprhu ; jsq; fisAk ; Nghd ; wtw ; iw re ;ij Muha;r;rp toq;Ffpd;wJ. MR MdJ xU r pf ; fyhd nray ;Kiwahf vkf;F epidt+l;ba NghjpYk; rpwpa kw;Wk; eLj;justpyhd MFI fshYk; cz;ikahfNt Kfhikj ; Jtk ; nra ;af ;$ba xd ; wy ;y . re ;ij Muha;r;rp nray;Kiw> ,uz;lhk; gb k P s h a ; T n j hl u ; fs pd ; Cl h f

Muha;r;rpf;fhd gpur;rpidia ,dq; fhzYld; Muk;gpf;fpwJ. ,jd;%yk; fz;lwpag;gLgit> Muha;r;rpf;fhd Fwpf;Nfhs;fis juTj;jpul;Lfis njhlUk; MR jpl;lq;fis cUthf; Ftjw;Fk; gad;gLj;jg;gLfpd;wd.

juTfisj; jpul;Ltjw;fhf ftdf; Ftpg;G nra;ag;gl;l FOepiy fye; JiuahlYk; (FGD) gq;Nfw;G fpuhkpa kjpg;gPLfSk; (PRA) Nghd;w nghJ thd juk; tha;e;j juTj;jpul;L El; gq;fs; ga;gLj;jg;gLtJ fUj;ij <u;g;gjhf ,Ug;gJ Fwpg;gplj; jf;f tplakhFk;. vdNt epjprhu; cw;gj;jp mgptpUj;jpAld; njhlu;Gila jfty; fis ngWtjw;F ,j;jifa fUtp fs; vt;thW ve;j tifapy; cgNah fpf ;fg ; gLfpd;wd vd;gijg; gw;wp JUtp Muha;tJ gpuNahrdkhdJ. epjp rhu;e;j ,ay; Mw;wy;fs;> ghq;F fs; > Njitfs; kw;Wk; thbf;if ahsupd; me;j];J Nghd;wtw;iwAk; ,dq;fhz;gjw;fhf gUtj;Jf;F Vw;w jd;ik> tho;f;ifr Rw;W> fhyj; njhlu;r;rp> kw;Wk; nry;tj; ju tupir Nghd;w PRA fUtpfs; jpUj;jpaik f; fg;gl;Ls;sd. r%fq; fSf;Fs;Ns njupTfs;> Kd; tpUg;G fs; kw;Wk; tha;g;GfSf;fhf epjprhu; Nritfis jPu;khdpg;gjpy; gz;Gfs;> epWtduPjp ahd jutupir El;gq;fs; JizGup fpd;wd. ,jw;F Nkyjpfkhf FGD/

PRA vd;gd Fwpf;Nfhs;fspd; jd;ik apd; mbg;gilapy; ghy;epiy tplaq; fs; kwWk; %ytsq;fspd; FbapUg; Gf; fl;Lg;ghL vd;gtw;iw ,dq;fhz;; ;gjw;fhf gad; gLj;jg;gLfpd;wd.

re;ijg;gLj;jypd; ‘ 8P’ f;fs; juk; tha;e;j juTfis gFg;gha;T nra;a gad;gLj;jg;gl;ld. Kd;tupir nraw; gzpapdu;MIS>fzf;fPL> re;ijg;gLj; jy;> mKyhf;fy; HR Nghd;w rfy jpizf;fsq;fspy; cs;s gpujpepjp fisf;nfhz;l gyjug;gl;l gpupTf; FOnthd;w pdhy ; cw ;gj;j p tbt cw ;gj;j p tbt cw ;gj;j p tbt cw ;gj;j p tbt ikg;G> tpiyfs;> Kd;ndLg;G>,lk;> ikg;G> tpiyfs;> Kd;ndLg;G>,lk;> ikg;G> tpiyfs;> Kd;ndLg;G>,lk;> ikg;G> tpiyfs;> Kd;ndLg;G>,lk;> epiy> ngsjpf rhd;Wfs;> kf;fs; epiy> ngsjpf rhd;Wfs;> kf;fs; epiy> ngsjpf rhd;Wfs;> kf;fs; epiy> ngsjpf rhd;Wfs;> kf;fs; kw;Wk; nray; Kiw kw;Wk; nray; Kiw kw;Wk; nray; Kiw kw;Wk; nray; Kiw vd;gdNt me;j 8P f;fshFk; . G+u ;thq;f cw;gj;jp vz;zf; fUf;fspYs;s gFg;gha;T ngWNgWfs; njhlu; r;r pahd FGD fis gad;gLj;jp jpUj;jpaikf;fg; gl ; ld. Njitg; gbd; mJ KbT nra;ag;gl;l cw;gj;jpia nfhz;L tuf;$ba msTuPjpahd Kd;Ndhbg; guPl;irAld; me;j Ma;Tf;F Fiw epug;ghf mike;jJ. ,t;thW tpsf; fg;gl;lJ Nghd;W gbg;gbahf re;ij Muha;r;rp gpd;gw;wg;gLkhapd; MFI fspd; ngUk;ghyhd rpf;fyhd jd; ikfis Fiwj;J tpsf;fkhd epjp rhu; cw;gj;jpg; ngWNgwhf mikAk;.

nfd;ah> gq;fshNj\;> cfz;lh> njd;dhgpu pf ;fh> ,e;jpah Nghd;w Ez;epjp re;ij Kd;dzpahsu;fSk; ,Uf;Fk; ehLfs; cl;gl cynfq; Fk; cs;s MFIfspy; re;ij Muha;r; rpahdJ gutyhff; filg;gpbf;fg;gL fpd;wJ. cjhuzkhf gq;fshNj\pd; ASA, ld;rhdpahtpd; Ngh];ly; Ngq;f; Nghd;w MFI fs;> MR Muha;r;rpapd; fz;Lg pbg ; Gf ;fika jk; Nrkpg ; G cw;gj;jpfis rPu ;jpUj;jpaikahy; Nrkpg;Gfs; mzpjpul;lypy; Fwpg;gplj; jf;f sT ntw;wpia mile;Js;sd. ,jw;F Nkyjpfkhf nfd;ahtpd; <f;Ftpl;b Ngq;f;>cfz;lhtpd;FINCA Nghd;w epWtdq;fs; jkJ fld; rhu; cw;gj;jpf;fhf $bagl;r thbf;if

ahsiu jf;fitj;Jf; nfhs;Sk; t pf pjq ; fis mDgt pj ;Js ;sd.(Wright 1999 kw;Wk; Coetzee, 2002)

Mdhy; ,yq;ifapd; mNef Ez;epjp eilKiwahsu ; fSld ; ,ilj ; njhlu;G nfhz;ljdhy; fz;lwpag;gl; lJ ahnjdpy; tpsf;fkhd re;ij cw;gj;jpfis rPu;jpUj;jp mwpKfQ; nra;tjw;fhf fsepiy cj;jpNahfj; ju;fspd; mDgtj;jpNyNa $basT jq;fpAs;sdu; vd;gjhFk;. Mtu;fs; jk ; fsepiy cj;jpNahfj;ju;fs; mtu;fSlNdNa neUq;fpa njhlu;G nfhz;ljdhy;>jk; nraw;gzpahsu;fs; thbf;ifahsu;fspd; NjitfisAk; Kd;tpUg;Gf;fisAk; tpsq;fpnfhs; fpd;wdu; vd Cfpf;fpd;wdu;.,r; #o; epiyapy; ,q;F re;ij Muha;r;rp gutyhf filg;gpbf;fg;glhky; ,Ug;g jw;fhf rhj;jpag;gLk; fhuzpfis guprPypg;gJ ngWkjp tha;e;jjhFk;.

,yq;ifapy; gpujhd fhuzq;fspy; xd;whf> re;ij Muha;r;rpnahd;iwr; nra;Ak;NghJ Fwpg;ghf Muk;gj; juT fis jpul;Lk;NghJ> Vw;gLk; epjp rhu; epjp rhu; epjp rhu; epjp rhu; nryTfis nryTfis nryTfis nryTfis $wyhk ; . mNefkhd MFI fs; nrytplg;gLk; nrytpdq; fSld; re;ij Muha;r;rpapypUe;J (MR) cldbahf ngwg;gLk; ngW NgWfs; me;jsTf;F Kf;fpaj;Jtk; tha ; e ; jjy ;y vd fUJf pd ; wd. MapDk; ,t;thwhf rpe ;jpg; gjhy; re;ij Muha;r;rpapd; %yk; fpilf; ff;$ba ePz;lfhy gad;fis Vw;fj; jtWfpd;wd.

cjhuzkhf gUtfhyj;jpa Njit fs; kw;Wk; Nghl;bahsu;fspd; rf;jp fs; kw;Wk ; gyt Pdq;fis ,dk; fhZjYf;fika Nritfis Nkk; gLj;jy; gzg; Gof;fj;ij Kfhikj; Jtk; nra ;tjpy ; thbf;ifahsu ; fSf;F cjTfpd;w Fwpg;gpl;l epjp rhu;e;j cw;gj;jpfs; njhlu;ghf jpul; lg;gl;l Muk;g jfty;fspd; rfy mk;rq;fisAk; tpUj;jp nra;tJ Neubahd ed;ikfSf;F Nkyjpf khf mikAk;.

MapDk; Kjd;ikj; juTfis tpl 2 Mk; gbj;juTfis gad;gLj;jtJ kpf tpidj;jpwDilajhfTk; ,yF thdjhfTk; jpul;Ltjpy; ,yhgfu khfTk; ,Ug;gjhy; rpwe;j njd rpyu; thjpf;fyhk; . Mdhy; 2 Mk; gbj; juTfs; XusTf;F mjd; cl;njspT fisAk; kl;LNk je;J Muha;r; rp Fw pf ; Nfhs ; fis mz;k pg ; gjw ;F M u h a ; r ; r p a h s u ; fSf ; F cjt K b A k ; . v d N t , u z ; l h k ; g b juTfspy ; kl ;LNk jq; f pa pUg ;gJ gupe;Jiuf;fg;gl tpy;iy.

cjhuzkhf fsepiy nraw; gzp apduplkpUe;J jpul;lg;gLk; juTfs; mtu;fs; vt;thW thbf;ifahsUld; ,ilj;njhlu;G nfhz;ldu; vd;Wk; Nritfs; toq;Ftjpy; mtu;fshy; Vw;gl;l ftdaPdq;fs; Fwpj;j jfty; fSk; cs;slq;fpapUf;fhJ. vdNt Nju;e;njLf;fg;gl;lJk; ghugl;rkhd juTfisAk; jtpu;g;gjw;fhf kw;Wk; tpsf;fkhd jPu ;khdq;fis vLg;g jw;fhfTk; Kjd;ik juTfs; cld; , u z ; l h k ; g b cz ; i k a h d tplaq;fisAk; ,yf;fq;fisAk; Fiwe p u g ; gh f gad ; gLj ; JtJ vg;NghJk; mtrpakhFk;.

(Continued on page 8)

epjp rhu; cw;gj;jpf;fhd re;ij Muha;r;rpepjp rhu; cw;gj;jpf;fhd re;ij Muha;r;rpepjp rhu; cw;gj;jpf;fhd re;ij Muha;r;rpepjp rhu; cw;gj;jpf;fhd re;ij Muha;r;rp

Ez;epjp njhopy; El;gq;fs;Ez;epjp njhopy; El;gq;fs;Ez;epjp njhopy; El;gq;fs;Ez;epjp njhopy; El;gq;fs;

ejPu uzghdejPu uzghdejPu uzghdejPu uzghd;

Ez;epjp epgzuEz;epjp epgzuEz;epjp epgzuEz;epjp epgzu;

Plan Sri lanka

„,yq;ifapd; mNef Ez;epjp eilKiw

ahsu;fSld; ,ilj; njhlu;G nfhz;ljdhy;

fz;lwpag;gl;lJ ahnjdpy; tpsf;fkhd re;ij

cw;gj;jpfis rPu;jpUj;jp mwpKfQ; nra;tjw;fhf fsepiy cj;jpNahfj;ju; fspd; mDgtj;jpNyNa $basT jq;fpAs;sdu; vd;gjhFk;. mtu;fs; jk; fsepiy cj;jpNahfj;ju;

mtu;fSlNdNa neUq;fpa njhlu;G nfhz;ljdhy;>jk;

nraw;gzpahsu;fs; thbf;ifahsu;fspd;

NjitfisAk; Kd;tpUg;Gf;fisAk;

tpsq;fpnfhs;fpd;wdu; vd Cfpf;fpd;wdu.“

gf;fk; gf;fk; gf;fk; gf;fk; 7 njhFjpnjhFjpnjhFjpnjhFjp 3, [dtup[dtup[dtup[dtup 2010 gf;fk; gf;fk; gf;fk; gf;fk; 7

fzf;Fj; jPu;f;Fk; Mgj;J Kfhikj;Jtk; fzf;Fj; jPu;f;Fk; Mgj;J Kfhikj;Jtk; fzf;Fj; jPu;f;Fk; Mgj;J Kfhikj;Jtk; fzf;Fj; jPu;f;Fk; Mgj;J Kfhikj;Jtk; ---- (gFjp 1 ck; 2 ck;)(gFjp 1 ck; 2 ck;)(gFjp 1 ck; 2 ck;)(gFjp 1 ck; 2 ck;)

md;Gs;s thrfNu> ,f;fl;LiuahdJ fzf;Fj; jPu;f;Fk; Mgj;J Kfhikj; Jtk; kPjhd fl;Liuj; njhFjpapd; xU gFjpahFk;. ,f; fl;LiuahdJ ehd;F ghfq;fisf; nfhz;lJ: 1. tiutpyf;fzKk; epahaj;jd;ik Ak;

2.fzf;Fj;jPu;f;Fk; Mgj;J Kfhikj; Jt nfhs;if

3.fzf;Fj; jPu;f;Fk; Mgj;ij mstpL jYk; mtjhdpj;jYk;

4.fzf;Fj; jPu;j;jYk; Kfhikj;Jtk; nra;jYk; ,f;fl;Liuapd; Kjypuz;L ghfq; fshd tiutpyf;fzKk; epahaj; jd;ikAk; fzf;Fj; jPu;f;Fk; Mgj;J Kfhikj;Jt nfhs;if vd;gtw;iw SLMFF ,d; jw;Nghija ntspaPl;by; fhl;lg;gl;Ls;sd. ,yq;if Ez;epjp fUj;juq;Ff; fhf ,f;fl;Liufis gq;fspg; Gr; nra;a xg;Gf; nfhz;l ikf ; fhf Mgj ;J Kfhikj ;Jt Jiwapy; epGzuhfTs;s jpU.epuh[; Fkhu; mtu;fSf;F ehk; ntFthf ed;wp $WfpNwhk;.

ghfk; 1ghfk; 1ghfk; 1ghfk; 1

tiut pyf ; fzKk ; e pahaj ; tiut pyf ; fzKk ; e pahaj ; tiut pyf ; fzKk ; e pahaj ; tiut pyf ; fzKk ; e pahaj ; jd;ikAk;jd;ikAk;jd;ikAk;jd;ikAk;

ngUk;ghyhd MFI fs; fld; Mgj;J Kfhikj;Jtj;Jld; jpdKk; mNj Ntiy fld; jPu;f;Fk; Mgj;J Kfh ikj;Jtj;ij mNefkhf myl;rpak; nra;fpd;wd. xU MFI I kpfj; Jupj khf ,y;yhky; nra;JtpLk; Mgj;Jf; fhd Mw;wiy Kd; $wpatw;iwg; Nghd;Nw nfhz;ls;sJ vd;gJ cz; ikahf ,Ue;jNghjpYk; Ntnwe;j fhuzpfisAk; tplTk; fld; jPu;f;Fk; gpur;rpidfshy; vOfpd;w tpisT fshy ; e pj prh u ; e ; j e pWtdq; fs; Njhy;tpia jOTfpd;wd vd;gij mDgtq;fs; vLj;Jf;fhl;Lfpd;wd.

xU epWtdk; mjd; rfy nfhLg; gdT rk;ge;jkhd flg;ghLfisAk; gpd;tUk; xd;Nwh my;yJ gyNth nfhz;ltw;iw gpd;gw;Wtjhy; tPo;r;rp ailtjhy; jd; flg;ghLfis kjpg; gij fzf;Fj; jPu ;f;Fk; Mw;wiy Fwpg;gpLfpwJ. eilKiwahf gz cl;Gof;fk; (M) gzf; ifapUg;G fspd; gq;F> (,) gzj;ij ifkhw; whfg; ngwy; (<) fzf;Fj; jPu;f;ff; $ba nrhj;Jf;fis fhrhf khw;W jy;. fzf;Fj; jPu;f;Fk; Mgj;J vdg; gLtJ cupikahsu;fs;> thbf;if ahsu;fs; kw;Wk; Vida gq;Fjhuu; fisf; nfhz;l epjprhu ; epWtdj; jpd; cs;stu;fspd; tpUg;Gfspy; vjpu;kiwahd jhf;fj;ij Vw;gLj;jf; $ba rhj;jpakhFk;. ,jdhy; fhyj; Jf;Nfw;wthWk; rpf;fdkhd Kiw apYk; jw;Nghija nfhLg;gdT flg; ghLfis epiwNtw;w Kbahj epiy Vw;gLk;.

gpd ;tUk; Fw pf ; Nfhs;fis e piw Ntw;Wtjw;fhf Njitahd gbKiw fs; vLg;gJk; fzf;Fj; jP u ;f;Fk; Mgj;Jf;isj; njhlu;e ;Jk; ,dq; fhzy; kw;Wk; mtjhdpj;jYf;fhf fzf;Fj; jP u ;f;Fk ; Kfhikj;Jt nfhs;ifia cUthf;fp > mjid kPsha;T nra;Ak; nghwpKiw xd;iw cs;spl;l Kd;Ndw;ghlhdJk; tpsf;f khd mZFKiw fzf;Fj; jPu;f;Fk; Mgj;J Kfhikj;Jtk; vdg;gLk;.

• rfy ntspr;nry;Yk; gzg;Gof;f flg;ghLfis (fld;fs; kw;Wk; Nrkpg;Gfis kPsg;ngWtjw;fhd thbf;ifahsu; Nfhupf;iffs;> epW tdq;fSf;fhd nrytpdq;fspd; nfhLg;gdT> toq;Feu;fs; fld;

nrYj;jg;gl Ntz;batu;fSf;fhd nfhLg;gdTfs;) jpdru pahfTk; eilKiwa pd; mbg;gila pYk; kjpj;jy;.

• nraw;gLj; jg ;glhky ; ,Uf;Fk ; gzj ;j pd ; k PJ Kd; ngwg ; gl ; l ciof;fg;gLgtw;wpd; nryTfis Fiwj;jy;.

• Fiwe;jgl;l ,Ug;Gj; Njitfis Ak; Vida newpg;gLj;Jk; fzf; Fj; jPu;f;Fk; juq;fis jpUg;jpg; gLj;jy;.

• mtrufhy fld; ifkhw;whfg ; ngWjy; kw;Wk; nrhj;Jf;fis fl;lhakhf fzf;Fj; jP u ;f;Fk; Nkyjpfr; nryTfisf; Fiwj;jy;.

fzf;Fj; jPu;j;jy; vdg;gLtJ ,U$u; fj;jpia xj;jJ. fzf;Fj; jpu;j;j ypy; Fiwghl;bd; fhuzkhf jdJ nfhLg;gdTf;fhd flg;ghLfis xU epWtdk; epiwNtw;wj; jtWkhapd; mJ njhlu;r;r pahd rk;gtq;fis KLf;fp tpLtJld; gyjug;gl;l gq;F jhuu; kj;jpapy; ek;gpf;ifia ,of; fr; nra;tJld; mJ tPo;r;rpapdsT vg;gbg;gl;ljhf ,Ue;jhYk; Nkhrkh fNt ,aq;Fk;. ,jw;F kWgf;fkhf fzf;Fj; jPu;j;jy; msTf; fjpfkhf mikAkha pd ; xU e pWtdj ;ij tq;FNuhj;J epiyf;F js;sg;gLk; . Vnddpy; nraw;gLj;jhky; ,Uf;Fk; fhrhdJ e pj p toq ;Fk ; kw ;Wk ; epu;thfr; nrytpdq;fis cs;slf; ff; $basT ciof;fhJ. ,q;Fs;s rthy; ahnjdpy; msTf;fjpfkhd Jk; kpff;FiwthdJf; fpilapYkhd fzf;Fj; jPu;j;jypy; xU rkdpiy-iag; NgZtjhFk;. Vt;thwhapDk; ifapUg;gpy; itj;jpUf;f Ntz;ba jdpahd cr ; r kl ; l gzj ; j pd ; msit jP u ;khd pg ; gJ kl;Lk pd;wp fzf;Fj; jPu;j;jypd; mghaf; Fiw ghl;Lf;Fk; Fiwe;j ,yhg fukhd mghaj;Jf;Fkpilapy; e pahakhd rkur epiyia Vw;gLj;JtjhFk;.

ghfk; 2ghfk; 2ghfk; 2ghfk; 2

fzf;Fj; jPu ;f ;Fk; Mgj;J fzf;Fj; jPu ;f ;Fk; Mgj;J fzf;Fj; jPu ;f ;Fk; Mgj;J fzf;Fj; jPu ;f ;Fk; Mgj;J Kf hikj ;Jt nf hs ;if Kf hikj ;Jt nf hs ;if Kf hikj ;Jt nf hs ;if Kf hikj ;Jt nf hs ;if Kd;Ndw;ghlhd fzf;Fj; jPu;f;Fk; Kfhikj;Jtk; njhlu;ghd Kjy;gb fzf;Fj; jPu ;j;jy; Kfhikj;Jtk; nra;jy; kw;Wk; mjid fhye;NjhWk; kPsha;T nra;Ak; ed;F tiutpyf; fzg;gLj;jg;gl;l nfhs;ifnahd;iw tiutjhFk;. fPNo jug;gl;Ls;sthW fzf;Fj;jPu;f;Fk; Kfhikj;Jtj;jpd; gFjpfs; gw;wpf; Fwpg;gpLk; gl;baYk; cUthf;fg;gl Ntz;ba nfhs;if fSk; jug;gl;Ls;sd :

fz f ; F j ; j P u ; j ; j y ; M g j ; J Kfhikj;Jtj;jpy ; rk ;ge;jg;gl ;l e pWtdu Pj pahd Vw;ghL fisAk; nghWg;GfisAk; tiutpyf;fzk; nra;jy;.

• fzf;Fj; jPu;f;Fk; Kiwfis jPu; khdpf;Fk; NghJ Vw;Wf;nfhs;sf; $ba my;yJ fzf;Fj; jPu;f;Fk; cgfuzq ;fSk ; (cjhuzkhf fhrhfNth my;yJ re;ijg;gLj;jf; $ba fldPl;Lg; gj;jpuq;fs;) newpg; gLj;jf;$ba fl;Lg;ghLfs; mt;thW VJk; ,Ug;gpd; Nghd;wd ftdj;jpy; nfhs;sg;gl Ntz;Lk;.

• Ngzg;gl Ntz;ba fzf;Fj; jPu;f; Fk; cr;rkl;lsT (cs;Su; newpg; gLj;jy; Njitfis ftdj;jpy; nfhs;Sjy;) kw;Wk; cldb nraw; ghLfis KLf;fp tpLgit. (ml;ltiz xd;iwg; ghu;f;f.)

• mt j h d p f ; f j ; N j i t a h d fzf;Fj; jPu;f;Fk; tpfpjq;fSk; mtw;iw KLf; f p t pLgitAk; (ml;ltiz xd;iwg; ghu;f;f)

• fzf;Fj; jPu;f;Fk; Kfhikj;J tj;jpd; nghJthd Kiwapay; mJ vt;thW mtjhdpf;fg;gLk; gzg; Gof;fg; gFg;gha;tpd;NghJ cgNahfpf;fg;gLk; fhy vy;iy fs;> tptuq;fspd; kl;lq;fs;.

• ,yhgj;jd;ikia tpupTgLj;Jtjw; fhf xU epWtdk; vLf;f tpio Ak; Mgj;Jf;fs; my;yJ gzj;ij Fiwg;gjw;fhf mJ vLf;f tpUk; Gk; Mgj;jpd; msT Fwpg;ghf nkhj;jg;gz cilikfspd; Fiwe;j gl;rj;ijAk; $bait-fisAk; nfhs;if cUthf;f Ntz;Lk;.

• gzf; nfhLf;fy; thq;fy;fis / gupkhw;wq;fis mDkjpg;gjpy; <LgLtjpy; Mszpapdupd; mjpfhu tuk;Gfs;.

• Nkyjpf epjpfs; vt;thW ifah sg ; g L k ; . mj h tJ mj w ; F mZff; $batu; ahu; ? Kw;Wk; mit vq;Nf itf;fg;gl Ntz;Lk; my ; yJ Kjy P L n ra ; a g ; g l Ntz;Lk; Kjypait.

• ve;jnthU %ytsj;Jf;Fk;/cgfu zj;Jf;Fk; jd;id ntspg;gLj; jf;$ba ve;jnthU tq;fp my;yJ cgfuzj;Jf;F KjyPL nra;af; $ba cr;rkl;lf; nfhs;if apd; tuk;Gfs;.

• FWq;fhy fzf;Fj;jPu;f;Fk; Njit fSf ; f hf fld ; ngWk ; to p nahd;iw ahuhy; mZfNth my; yJ cUthf;fNth KbAk;. mj;J ld; fld; ngWk; topia mZF tjw;fhd Vw;Wf; nfhs;sg;glf; $ba fhuzq;fs; #o;epiyfs;.

rpwe;j eilKiwfs;rpwe;j eilKiwfs;rpwe;j eilKiwfs;rpwe;j eilKiwfs;

njhFjp njhFjp njhFjp njhFjp 2, Mf];lMf];lMf];lMf];l; 2009

“ ..,yf;Ffs; ftdkhfr; rpe;jpf;fg;gl Ntz;bait.

mit ,j;Jiwf;F Fe;jfk; tpistpf;ff;

$ba Cf;Ftpg;Gf;fis cUthf;fyhk;..”

epuh[; Fkhu;epuh[; Fkhu;epuh[; Fkhu;epuh[; Fkhu;

jd;dhu;t MNyhrfu; ,e;jpah

epuh[;> Ez;epjp njhlu;ghd xU jd;dhu;t MNyhrfUk; gapw;W eUk; Mthu;. gapw;rpapy; MBA gl;ljhupahd mtu;> njd; dhrpah> njd; fpof;F Mrpah> kw;Wk; Mgpupf;fh Mfpa gFjp fspy; Ez; epjpj; Jiwapy; gzpahw;wpa gue;jsthd mDgtj;ij (10 Mz;L fSf;Fk; Nkyhf) nfhz;L cs;shu;. mtu;> fld; jug; gLj;jy;> ru;tNjrf; fzpg;gPL> %Nyhgha kw;Wk; Kiwikfs; Nkk;ghL> tpahghuj; jpl;lq;fis tbthj;jy;> Muha;r;rpf; fw;if kw;Wk; gapw;rp cl;gl gyjug;gl;l xg;gilfSf;fhf ,g;gpuNjrq;fspy; Rkhu; 70 MFI nghUl;lhf tp[ak; nra;Js;shu;. mtu; gf;Ftk; ngw;w xU gapw;rp ahsuhthu;. ,jw;F CGAP, Mrpa mgptpUj;jp tq;fp epWtdk; (ADBI)> cyf tq;fp> Nlhf;fpNah mgptpUj;jp epiyak; (TLDC) vd;gd rhd;W gfUfpd;wd. mtu; vj;jidNah Ez;epjp Kfhikj;J tj;Jf;fhd gapw;rp nkhba+y;fis mgptpUj;jp nra;Js;sJld;; Mrpa kw;Wk; Mgpupf;fhntq;fZk; 1500f;Fk; mjpfkhd Ez; epjp thz;ik ahsu;fisg; gapw;Wtpj;Js;shu;. jwNghJ mtu;> ‘gpuhe;jpa Nghjidahsu;’ vd;w tifapy; ADNI-TDLC Ald;; ‘Ez;epjpg; gapw;Weu;fisg; gapw;Wtpf;Fk; ghlnewpf;;fhf’xd;wpize;Js; shu;. fle;j fhyq;fspy;> mtu; ,e;jpatpy; mike;Js;s ‘ikf;Nuh - fpnubl; Nubq;]; ,d;lu;Ne\dy; ypkpl;ll;’ (M-CRIL) ,d; FO epWtdq; fspy; xd;whd ‘EDAWhwy; ]p];lk;];f;fhf gzpGupe;Js;shu;.

writeniraj@gmail.com

gf;fkgf;fkgf;fkgf;fk; 8 .,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F.,yq;if Ez;epjpf; fUj;juq;F

SLMFF: NDTF ,d; vjpu;fhyj; jpl;lk; vd;d?

NDTF: gadhspfSf;F tu;j;jf uPjp apy; my;yhj cjtpfis tpupthf;F tjw;fhf MFI fs; MNuhf;fpakhd tl;b toptiffs; mtrpak; vd;g ij ehk; czu;e;Js;Nshk;. ,J xU rhjhuzkhd fld; toq;Fk; jpl;l ky;y. MFIfs; Vida nrytpdq; fSld; rk;ge;jg;gl;;Ls;sd. njhopw; ghLfs;> gapw;rpfs;> kf;fis mzp jpul;ly; kw;Wk; fsepiy nrayz-papdiu mzpjpul;ly; Nritfis Nkk; gLj;Jtjw;fhf jkJ fld; trjpj;jpl;lq;fis tpupthf;Ftjw;F

fld; my;yhj epjprhu; Nritfis mit tpupthf;Ffpd;wd.

,t;thwhd rpukq;fspypUe;J kPs;t jw;fhf vkJ fld; toq;Fk; cjtp fis tpu ptf;Ftjw;F ehk; jpl;l kpl;Ls;Nshk;. MFI ,d; ,aYikia fl;LnaOg;Gtjw;fhd 2010 tuT nryT jpl;lj;jpypUe;J fzprkhd msT njhifia xJf;fPL nra;a ehk; Vw;fdNt jpl;lkpl;Ls;Nshk; . mj;Jld; gadhspfspd; jpwd;fis Vida cjtp epfo;r;rpj;jpl;lq;fSk; ,jpy; tbtikf;fg;gl;Ls;sd.

fpuhk kl;lj;jpy; gzpGupfpd;w Gjpa 2 0 0 gq ; f hs u ; mikg ; Gf ; fis Nru;j;Jf; nfhs;s ehk; mLj;jhz;Lf; fhf ,yf;F itj;Js;Nshk;.

cjtpf;fhd nghjp xd;iw tbt ikg; gjw;fhf vkf;F jk; fUj;Jf; fis rpy MFI fsplkpUe;J ngWt jw;fhfTk; Ez;epjp tiy aikg;G l D k ; e h q ; f s ; $ l ; l q ; f s ; itf;f ,Uf;fpNwhk;.

rfy cld;ghlhd khw;wq;fSld; ,yq;ifapy; Ez;epjpj;Jiwf;fhd fUt+ykhd xU epWtdkhf ehk; Mtjw;F epidj;Js;Nshk;. mj;Jld; ,j;jifa tpupthf;fy; jpl;lq;fSld; vjpu;tUk; fhyq;fspy; re;ijapYs;s rf;jpfshy; tl;btPjk; jPu;khdpf;fg; glyhk; vd vjpu;ghu;f;fpNwhk;.

(4k; gf;fj;jpypUe;J njhlu;fpwJ)

ePq;fs; gq;Fgw;wyhk;

cq;fs; fUj;Jf;fs;> nra;jpfs;> fl;Liufs;> kw;Wk; mgpg;gpuhaq;fis mDg;g Ntz;baJ ::::

microfinance.forum@gmail.com

,yq;if Ez;epjpf; ,yq;if Ez;epjpf; ,yq;if Ez;epjpf; ,yq;if Ez;epjpf; fUj;juq;Ff; FO jd; fUj;juq;Ff; FO jd; fUj;juq;Ff; FO jd; fUj;juq;Ff; FO jd;

ed;wpfis MNyhridf ed;wpfis MNyhridf ed;wpfis MNyhridf ed;wpfis MNyhridf cWg;gpdu; rigf;Fj; cWg;gpdu; rigf;Fj; cWg;gpdu; rigf;Fj; cWg;gpdu; rigf;Fj; njuptpj;Jf; nfhs;s njuptpj;Jf; nfhs;s njuptpj;Jf; nfhs;s njuptpj;Jf; nfhs;s

tpUk;GfpwJtpUk;GfpwJtpUk;GfpwJtpUk;GfpwJ::::

re;Jy mNgtpf;uk rupj;j uj;tj;j

fyhepjp lhf;khu; Yhk; Jyhd; j rpy;th

fyhepjp epkhy; ngu;zhe;J epkhy; khu;bd];

ePdh ehau; \fPyh tp[atu;jd

,yq;if Ez;epjpf;

fUj;juq;fpd; cs;slf;fq;fSf;F MNy-hridr; rig nghWg;ghf khl;lhJ. fUj;Jf;fisAk;

fUj;Njw;wq;fisAk; mjd; Mrpupau;fSf;F

toq;FtNj MNyhridr; rigapd; gq;fhFk;.

cq;fSf;F tpsk;guk; nra;a

Ntz;Lkh?

njhlu;G nfhs;Sq;fs; :njhlu;G nfhs;Sq;fs; :njhlu;G nfhs;Sq;fs; :njhlu;G nfhs;Sq;fs; :

microfinance.forum@gmail.com

,yq;if ,yq;if ,yq;if ,yq;if Ez;epjpf; fUj;juq;FEz;epjpf; fUj;juq;FEz;epjpf; fUj;juq;FEz;epjpf; fUj;juq;F

ru;tNjr juj; njhlu; vz; : ISSN 2012-5666

njhlu;G nfhs;Sq;fs; : microfinance.forum@gmail.com

,yq;if Ez;epjpf;fUj;juq;fpd; rpq;fs> jkpo;; nkhopg;

ngau;g;Gf;fis

toq;fpaJ: : :

GTZ PROMIS

- Ez;epjpj; Jiwapd; Kd;ndLg;G

Njrpa mgptpUj;jp rk;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy; (njhlu;r;rp)Njrpa mgptpUj;jp rk;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy; (njhlu;r;rp)Njrpa mgptpUj;jp rk;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy; (njhlu;r;rp)Njrpa mgptpUj;jp rk;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy; (njhlu;r;rp)

epjprhu; cw;gj;jp mgptpUj;jpf;fhd fw;if Muha;r;rp (njhlu;r;rp)epjprhu; cw;gj;jp mgptpUj;jpf;fhd fw;if Muha;r;rp (njhlu;r;rp)epjprhu; cw;gj;jp mgptpUj;jpf;fhd fw;if Muha;r;rp (njhlu;r;rp)epjprhu; cw;gj;jp mgptpUj;jpf;fhd fw;if Muha;r;rp (njhlu;r;rp)

M F I fs pd ; j u Kf hikj ; Jt Kf hikj ; Jt Kf hikj ; Jt Kf hikj ; Jt jfty; Kiwikapd; jfty; Kiwikapd; jfty; Kiwikapd; jfty; Kiwikapd; (MIS) nryT fSld; ,d;DnkhU fhuzk; Nru;e; Js;sJ. re;ij Muha;r;rpAld; ,lj; Jf;fplk; cw;gj;jpfs; NtWgLkhapd; M I S,d ; ,l mikT u P j pa hd ghtidahsu ; kakhf ; fy ; xd; Nw epWtdj;Jf;F mtrpakhFk;. ,jw;F Nkyjpfkhf fz;Lgpbf;fg;gl;lit fspd; mbg;gilapy; njhopw;ghLfs; kw;Wk ; e pu ;thf eilKiwfSk; ,jw;F NkyjpfkhfTk; tpj;jpahrg; glyhk; . MapDk; Ma;tpy; fz;L gpbf ;fg ;gl ;litf;F mika ,t; thwhd KiwikfSk; nray;fSk; j pUj ; j paikf; fg ;gbd; mJ k pf tpidj;jpwDk; gadWjpAlDkhd Nrit toq;fiy tpistpf;Fk;.

,Wjpahf Mdhy; ve;j tpjj; jpYk; F i wa h f m i ka h J r e ; i j Muha;r;rpapy; Nkw; nfhs;tjw;fhd MFI fspd; njhopDl;g ,af;fk; ,yq;if apy; mjd; eilKiw gpu Nahfj;jpw;F tuk;Gfis vw;gLj;J fpwJ. Vida njd;dhrpa ehLfS ld; xg;gpLk; NghJ ,yq;ifapy; epjp rhu; cw;gj;jp mgptpUj;jp kPjhd rhd;WgLj;jg;gl;l njhopDl;g epGzu; fs; kpfTk; kl;Lg;gLj;jg;gl;l njhi-fapduhfNt cs;sdu ; . cjhuz khf> ikf;Nuh Ntt ; %y tsj; njhFjpapd; fPo; ve;jnthU ,yq;if apd; rhd;WgLj;jg;gl;l Nrit toq; Feu;fs; gl;baw;gLj;jg;gltpy;iy. re ;ij Muha;r; r pia filg;g pbj; jiy ,J tuk;Gf;F cl;gLj;JtJ ld; ,jid NkYk; tpupthf;fg;gl Ntz;bajd; NjitiaAk; Fwpg;gpL

f p d ; w J ,yq ; i f r ; #oy py ; t pidj ; j p wDlDk ; gaDWj pg ; ghl;LlDk; vt;thW re;ij Muha;r;rp Nkw ; nfhs;sg ; gl yhk ; . re ;ij M u h a ; r ; r p r p f ; f d k h f mi -kaNtz;Lkhapd; MFIfs; gpur ; r p idapd; gl;baypy; ftdQ; nrYj;j Ntz;batw;iw Kd;Dupikg;gLj;jp kpf Kf;fpakhd tplaj;ij Kjypy; ftdQ; nrYj;j Ntz;Lk;. ,t;thwh fj; njspthd ftdpg; ghdJ kpf tYthd rpghupRfis Vw;gLj;Jtjpy; cjtp GupAk;.

,jw;F Nkyjpfkhf rfy tpj;jpahr khd mikg;G uPjpahd jpizf;fsq; fisAk; mtw;wpd; nraw;ghLfis Ak; cs;slf;fp mikg;Gf;Fs;NsNa tsj;njhFjpnahd;iw mgptpUj;jp nra;tjw;F eilKiwuPjpahf re;ij Muha;r;rpiag; gpuNahfpg;gJ kpfTk; tpidj;jpwd; kpf;f cghakhFk; . gpuhe;jpakl;l nraw;gzpdUf;F ,a Yikg;gLj;Jtjpy; ftdQ; nrYj;J tJ jiyikf; fhupahya kl;lj;jpy; njhopDl;g epgzu;fis fl;bnaOg; Gtij t pl $basT gaDWjp tha ;e ; jjhFk; . Vnddpy ; Nrit toq;fiy Nkk;gLj;Jtjw;fhf cs; s f n r a y ; Ki wa h f t oik ahd ,ilntspfspy; cs;Su; kl;l nraw;gzpapdu; re;ij Muha;r;rpia Nkw;nfhs;syhk;.

mNefkhf fz;Lgpbf ;fg ;gLgit fSk; rpghupRfSk; re;ij Muha;r;rp apy; jw;NghJs;s nray; Kiwfsp Yk; ghuJ}ukhd khw;wq;fis re;ij Muha;r;rpapy; nfhz;ltu KbahJ. mdhy; rpwpjsthd rPuhf;fq;fSk;

tpUj;jp nra;jy;fSk; kpff; Fiw thd nrytpy; ,yFthf nra;a KbAk; . MIS ,d; ghtidahsu; Mf;fk; my;yJ nray;Kiw uPjp ahd Nkk;ghLfs; Nghd;w tpiy $ba re ;ij Muha ; r ; r p r pgh u pR fis MFI fs; mKyhf;f Ntz;ba NghJ ntspaf epjprhu; MjuTfSk; gad;gLj;jg;glyhk;.

rhjhuzkhf Fwpg ; g plj;jf ; fsT Kjy PLfs ; f hzg ; gLk ; re ; ij Muha;r;rp gFjpfs; Nghd;wtw;wpy; Ez;epjpapd; rpwe;j eilKiwfs; njhlu;ghf njhopy;El;g Nkk;ghL fSk; nraw;gzpapdupd; ,aYik Nkk;ghLfSk; cs;s gFjpfNs Fwpg ; g plj ; jf ; f KjyPLfisAk; nfhz;Ls;sd.

6k; gf;fj;jpypUe;J njhlu;fpwJ)