Sri Lanka Microfinance Forum ISSN 2012-5666
fj¿u 2, iema;eïn¾ 2009
YS% ,xldfõ laIqøuq,H m%;m s ;A;sh fldhsng o? úfYaIdx. mqj;a jgh mqyqKq iy jeo.;a wjia:d idlÉPd uKavmh isoaê wOHhk laIø q uq,H Ys,am l%u m%Yia; l%shdud¾.
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Sri Lanka Microfinance Forum
ixialdrljrekaf.ka jpkhla ys;j;a mdGlh, Sri Lanka Microfinance Forum (SLMF) iïnka Ofhka fndfyda
ksfrdaIKS ijkjvq f;dr;=re ikaksfõok ;dlaIKh $ laIqøuq,HlrKh ms<sn`o WmfoaYl
bïrdka k*S¾ laIqøuq,HlrKh ms<sn`o WmfoaYl
msßila wm fj; iqnme;=ï tjQy. fujka mqj;a ix.%yhla i`oyd we;s b,a¨u bka meyeÈ,s jk w;r wm th È.g u lr f.k hd hq;=h' wm fj; ,shkakg;a wm wu;kakg;a ld,h fjka l< ish¿u mdGlhkag wmf.a ia;; = sh mqo lruq' South Asian Microfinance Network jeks úúO laIqøuq,H cd,hkaf.ka o wm fj; fyd`o m%;spdrhla ,enqKq w;r tlaj lghq;= lsÍug;a" ,sms yqjudre lr .ekSug;a fhdað;h' SLMF mqj;a ix.%yfha ks u dj yd wka;¾.;h ms<n s `o j mdGlhkaf.a leue;a; iïnkaOfhka o wms i;=gq fjuq'
wOHhkh fldg ksrdlrKh lsÍug yd foaYSh" l,dmSh yd cd;Hka;r m% Yia; m%fõYhka f.k yer mEu i`oyd idlÉPd uKavmhla ieliSu wfma n,dfmdfrd;a;=j fù' tfyhska Sri Lanka Microfinance Forum, fojeks fj¿u Tn fj; fufia bÈßm;a lrkafkuq' fujr tys f;audj laIqøuq,H m%;sm;a;h s hs' kej;;a úúO md¾Yajlrejkaf.a u;jdo yd w;a±lSï wms tl;= lf<uq' fuys § YS% ,xldjg laIqøuq,H m%;sm;a;shla wjYH o@ tjka m%; s m;a; s hls ka wfma laI d lrkqfha l=ula o@ YS% ,dxlSh laIqøuq,H lafIa;%hg th Woõ jkafka flfia o@ tu m%;sm;a;sh úiska úi`ÿï fiúh hq;= úYd,; u wNs f hda . fudkjd o hka k úuiqug ,la flßK'
Berendina Microfinance Institute ys ÿ,dka o is,j a d uy;dg;a" Sri Lanka Business Development Centre ys pß; r;aj;af;a uy;dg;a" GTZ PROMIS ys yis; úfÊiqka or uy;dg;a" Sewa Finance ys mTf,da fuf,a uy;dg;a" Pakistan Microfinance Network ys wnka yla
uy;añhg;a fuu l,dmhg ,sms iemhSu fjkqfjka wms ia;; = j s ka; fjuq ' tfuka u" Wmfoa Y l uKav,hg o Tjqkf a .a jeo.;a odhl;ajh fjkqfjka ia;=;s;j a h mqo l< hq;=u h'
fuu l,dmh fËa;%fha mqfrda.dóka ±lajQ woyia yd isoaê wOHhk lsysmhlska o iukaú;h' odhl;ajh" úuiSï" woyia yd ´kEu nilska tjk ,sms iy wfkl=;a úia;r i`oyd lreKdlr ish¨ u jD;a;slhka" m%j¾Olhka" fuu lafIa;%h ;=< isák fndfyda slmf.focus@gmail.com cd," wdfhdaclhka" kshulhka" fokl= u;= lrk m%Yk a lsysmhls' ,smk s hg ,shkak¡ m¾fhaIlhka yd Wkkaÿfjka hq;= SLMF W;aidy lrkqfha ta ms<n s `oj wfkl=;a md¾Yajhka yd tlaj wfma mdGlhkaf.a wjOdkh fhduq Tfí wjxl lghq;= lrkakg fuh wm Èßu;a lrùug hs' ksfrdaIkS ijkjvq iy lf<a h' Tjqka i`oyd fuka u YS% ,xldfõ wfkl=; a is h¨u ish w;a±lSï wm iu. fnod .;a bïrdka k*S¾ laIqøuq,H jD;a;slhkag lafIa;%fha ish,a,kag u wms lD;{ fjuq' mj;s k wjYH;d yd .eg¿
ó<`. SLMF l,dmfhka: MFIS i`oyd wdOdr - lrduh fld;ekska wßkak o@ ó<`. l,dmfhka wm idlÉPd lsÍug wfmalaId lrk ud;Dldj YS% ,xldfõ laIqøuq,H wdh;k i`oyd wruqo,a ms<n s `ojhs' tfyhsk"a ish¨u laIqøuq,H jD;a;slhkag;a" kshdulhkag;a" m%j¾Olhkag iy wfkl=;a Wkkaÿjla olajk md¾Yajhkag;a Tjqkf a .a w;a±lSï yd woyia wm fj; tjkakg Wkkaÿ flf¾' fuu fËa;%h ixj¾Okh lsÍfï ,d m%Odk ndOl w;=ßka tlla jkafka laIøuq,H wdh;k i`oyd wruqo,a nj úúO me;sj,ska
wmg wefia' miq.sh l,dmfha o úúO wjia:dj, § Y%S ,xld laIqøuq,H m%;sm;a;sh hgf;a fï ms<n s `o j idlÉPd flßKs' fï wjia:dfõ wruqo,a hkak YS% ,xldfõ laIqøuq,H wxYfha w;HdjYH ud;Dldjls' tfyhska" w;a±lSï yd ;sfnkakd jQ ndOdjka ms<n s `o j wms ±k .ekSug leue;af;uq' ta jf.a u" tu ndOl ch .ekSug l< hq;= oE ms<n s `o j fndfyda woyia Tnf.ka n,dfmdfrd;a;= fjuq' kej;;a
foaYSh" l,dmSh yd cd;Hka;r w;a±lSï yd m%Yia; m%fõYhka /ia lsÍug o wfmalaId lruq' nx.a,dfoaYfha PKSF" bkaÈhdfõ NABARD iy SIDBI fyda fjk;a WodyrK YS% ,xld miqìu iu. we.hSug ,la flfrk iy u;= lr olajk WodyrK úh yelsh. lreKdlr Tnf.a woyia" fhdackd yd w;a±lSï microfinance.forum@gmail.com fj; tjkak
.súiqug wod, ,smshg wkqj YS% ,xld uy nexl=j úiska uq,H wxYh wëlaIK úIhm:h mq¿,a flf¾' “uq,H wxY wëlaIK úIhm:h mq¿,a lsÍu yd YS% ,xld uy nexl=fõ kS;s wêldßh úiska ;ekam;= ,nd .kakd uq,H wdh;k i`oyd jvd;a meyeÈ,slulska hq;=j fr.=,dis mekùu" uq,H iud.ï mk; yd nexl=lrKh ms<n s `o mk; fjkia lsÍu u.ska ms<f s j<ska" 2009 foieïn¾ yd 2010 cqks jk úg y`ÿkajd§ug kshñ;h' ” flfia jqjo" óg laIqøuq,H iud.ï we;=<;a o hkak meyeÈ,s ke;
(http://www.cbsl.gov.lk/ pics_n_docs/latest_news/ loi_25072009.pdf)
mqj;a jgh fuf;r mqj;a NDTF laIqøuq,H wdh;k m%;suq,HlrK Kh i`oyd fmd,S iSudjla ;SrKh lrhs' tu fmd,S uÜgu 15] l iuj¾; wkqmd;slhl mj;ajd f.k hkq we;' ish,a,la uú;hg m;alrñka fuu mshjr f.k we;af;a lsisÿ woyia úuiSulska f;drj h' Institute of Bankers laIqøuq,HlrK ämaf,daud mdGud,dj we/fò' jeä úia;r i`oyd wu;kak" uxcq, - 0716 822 404 YS% ,xld uy nexl=j wëlaIK rduqfõ mj;sk wvqmdvq ilihs' cd;Hk;r uq,H wruqof,a Wmia:
laIqøuq,HlrKh Y%S ,xldfõ hqo l,dmh k.d isgù q ug fhdod .kS YS% ,xld rch úiskW a ;=f¾ meje;s hqo l,dmh ;=< foaYSh lDIsl¾uh yd jHdmdr jHdma; lsÍu i`oyd fvd,¾ oY,laI 26l laIqøuq,H jeviykla ia:dms; flßK' ta 300"000 wj;eka jQ ck;dj kej; mÈxÑ lrùfï tla wÈhrla f,isks' (Daily Mirror, 13th of July)
www.dailymirror.lk (3 jeks msgqjg)
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fj¿u 2, wf.daia;= 2009
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YS% ,xld laIqøuq,H l¾udka;h ms<n s `o jd¾;dj - GTZ ProMiS iy Banking With The Poor Network
^ÿmam;=ka iu. nexl=lrKh cd,h& iyfhda.S;djfhka m%ldYhg m;afõ' fuu wxYh ms<n s `o mq¿,a újrKhl fhfok fuu jd¾;dfjka laIqøuq,HlrKfha iemhqu yd b,a¨u" isg kshduk yd m%;sm;a;u s h .eg¿" wxYh flf¾ wruqo,a imhkakkaf.a iydh" wdh;ksl uÜgfï iydh yd wxYh uqyK q fok m%Odk wNsfhda. hk ish¨ me;s wdjrKh flf¾' www.microfinance.lk fjí wvúfhka fuu jd¾;dj ,nd .; yelsh'
,xld laIqøuq,H jD;a;slhkaf.a
ix.uh (LMFPA) úiska ish idudðl wdh;k foll ld¾huKav, idudðlhka b;d,sfha fnda,v a ¾ laIqøuq,HlrK jevigyk i`oyd iyNd.s lrjd we;' mqyK q f q jka miq LMFPA i`oyd iïm;aodhlfhda fofofkla tla fj;s' ;reK l%si; a shdks ix.ufha ^YMCA)uvl,mq YdLdj ldhsl wdndO iys; mqoa.,hska i`oyd laIqøuq,H jevigykla wrUhs' jeä úia;r i`oyd (ymcabatt@sltnet.lk
iïnkaOl nexl=lrKh ms<n s `o jevuq¿jla GTZ Promis úiska cq,s ui ixúOdkh flßKs' wdrdê; foaYlhka f,i NABARD, LOLC iy Oxfam GB ksfhdað;fhda iyNd.S jQy' jevuq¿fõ §
iïnkaOl nexl=lrKh ms<n s `o bka§h yd YS% ,dlSh w;a±lSï yd YS% ,xldj ;=< tys m%jK;d ms<n s `o idlÉPdjg .eKsk. laIqøuq,H jevigykaj, myiq l<ukdlrKh i`oyd uDÿldx.hla fudrgqj úYaj úoHd,fhkaæ MashUp uDÿldx. fhojqu —iY%e;˜ (Hope for poor) ks¾udKh fldg we;af;a fudrgqj úYaj úoHd,fha f;dr;=re ;dlaIK mSGfha isik q a fofokl= úisks' th Bðma;=fõ lhsfrda kqjr 2009 cq,s 3 isg 8 olajd meje;ajK q q cd;Hka;r Microsoft Imagine Cup YsIH ;r.fha wjidk jgfha ;r.lrejka ih fokd w;rg f;dard f.k we;' http://www.pr.com/pressrelease/158803
tf;r mqj;a The Economist i`.rdj
laIqøuq,HlrKfha iudchSh n,mEu ms<n s `o lrk ,o wOHhkhkaf.a újrKhl fhfoa' ta wOHhk jd¾;d fufiah( CGAP úiska m%ldYs; wíð;a nek¾ð" tia;¾ vq*af,da" / fp,a .af,k¾iag¾" iy isk; a h s d lhskkaf.a “The Miracle of Microfinance? Evidence from a Randomised Evaluation” iy ueipqfiÜia ;dlaIK
wdh;kfha wd¾Ól fomd¾;fïka;=j hgf;a úoHd;aul idlaIs mokï fldg .;a m%;sm;a;h s la ;=<ska ÿmam;alu wju lr,Sfï b,lalhla we;s Poverty Action Lab úiska m%ldYs;" ãka ld,ka" iy fcdk;ka iskauEkaf.a “Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila” (www.microcapital.org)
2008 wdishdfõ laIqøuq,HlrK úYaf,aIKh yd ñkqïo`vq jd¾;dj " i`oyd 2007 *sial,a jif¾ ñKqïo`vq úYaf,aIKhg laIqøuq,H wdh;k 244 la o;a; iemhd we;s w;r MIX Market o;a; .nvdjg laIqøuq,H wdh;k 313la ish¨ úia;r yd o;a; m%ldY fldg we;' ol=Kq wdishdj yd kef.kysr wdishdkq yd meismsla l,dmfha rgj,a 16la fuu o;a; j,ska wdjrKh flf¾ ( we*a.ksia:dkh" nx.a,dfoaYh" bkaÈhdj" fkamd,h" mlsia;dkh"
iy YS% ,xldj ^ol=Kq wdishdj& iy ldïfndach" Ökh" kef.kysr ;sfudarh" bkaÿkSSishdj" ,d´ih" memqjd ksõ.sk"s ms,smk S h" ifudjd" ;dhs,ka;h" iy úhÜkduh ^kef.kysr wdishdkq yd meismsla l,dmh&' laIqøuq,H wdh;k 184 lska hq;= l=vd uKav,hla úiska 2006-2007 ld,iSudj ;=< ish l%h s dldß;ajfha keUqre;d úYaf,aIKh i`oyd m%udKj;a o;a; imhd we;' http://www.themix.org/
woyia( j;auka f,dal uq,H w¾nqofha t<eöu;a iu. laIqøuq,H l¾udka; ;=< olskakd jQ wjodkï idOlj, wkqm< s f s j< fjkiaùula we;súh yels nj laIqøuq,H fiajd imhkakka" wdfhdaclhka yd kshdulhka iu. lrk ,o kj iólaIKhlska fy<sfõ' jd¾;dj i`oyd( http://www.cgap.org/p/site/
publications/2008-asia-microfinanceanalysis-and-benchmarking-report
we.hSfï udk y`ÿkajdfohs' bkaÈhdfõ l=vd l¾udka; ixj¾Ok nexl=j" Dun & Bradstreet Inc." yd rdcH yd fm!oa.,sl nexl= lsysmhl tl;=fjka we/Uqkq SMERA úiska laIqøuq,H wdh;k i`oyd we.hSï fiajdjla ia:dms; flßK' SMERAMFI Rating hkq bkaÈhfõ laIqøuq,H wdh;kj, uq,H yd iudchSh ls% hdldß;ajh ukskd iajdëk wdh;khls' (www.microcapital.org)
2008 laIqøuq,H ;dlaIK iólaIKh fuu iólaIKh laIqøuq,H wdh;k 152l iyNd.s;j a fhka 2008 cQ,s isg iema;eïn¾ olajd meje;aúKs' tys wruqK jQfha laIqøuq,H wdh;kj, ;dlaIKh Ndú;h" Yla;k S a yd ÿ¾j,;d fuka u l<ukdlrK f;dr;=re moaO;s i`oyd we;s wjia:d y`ÿkd .kakd w;r ;dlaIK wdfhdackh i`oyd laIqøuq,H wdh;kj, m%fõYh ;SrKh lsÍuhs' jd¾;dj i`oyd( http:// www.cgap.org/gm/document1.9.34552/2008%20Microfinance% 20Technology%20Survey.pdf
Microfinance Banana Skins 2009 -
laIqøuq,HlrKfha wjodku ms<sn`o j laIqøuq,H l<ukdlrejkaf.a
c/template.rc/1.26.10907/ SME Rating Agency of India Limited (SMERA) laIqøuq,H wdh;k i`oyd
ÿmam;alu ;=rka lr,Su i`oyd m%;p s lS%lrKh( v,dia ys msyá s ¨iS ì,ska.aia,S úiska ia:dms; l< ,dN i`oyd fkdjk Ñhdmdia jHdmD;sh ^.%dóka moku yd tlaj& ÿmam;alu ;=rkalr,Su i`oyd m%;p s lS%lrKh hk jevigyk ks¾udKh flßK' www.turnphonesintoloans.org
foaYSh yd cd;Hka;r mqyqKq yd jevigyka “MFIs i`oyd wruqo,a” jevuq¿j GTZ PROMIS ixúOdkfhka
wf.daia;=$ iema;eïn¾ ui fld<U § meje;aùug kshñ;h. jeä úia;r i`oyd( david.bartocha@gtz.de Social Performance Reporting
iïudkh: iudc lsh % dldß;aj jd¾;dlrKfha úksúoNdjh
ms<. s ekSug ,la flfrk fuu kj iïudkh i`oyd we;=<;aùug ±ka újD;h' bÈßm;alÍ s ï i`oyd wjika Èkh( 2009 iema;eïn¾ 15' EDA Rural System fj;ska
laIqøuq,K wdh;k i`oyd fufyhqï wjodkï l,ukdlrKh ms<n s `o mqyK q q mdGud,djla fpkafkhs uÿfrhs ókdlaIs Njka yS § 2009
wf.daia;= 11 isg 13 olajd meje;aúK' fuys § wjodku y`ÿkd.ekSu" ;lafiarej" iy m%uqL;d .; lsÍu fuka u wvq fjñka mj;sk wdh;ksl iïm;a M,odhS l<ukdlrKh" wjodkï we;sùfï iïNdú;dj y`ÿkd.ekSu yd md,kh hk úIhhka b.ekaúK'
Sri Lanka Microfinance Forum
msgj q 4
idlÉPd uKavmh YS% ,xldfõ laIqøuq,HlrK m%;sm;a;shl wjYH;dj m<uqj wms m%;sm;a;shla hkq l=ulao hkak f;areï .ksuq' fuys § w¾:±laùï 2la we;( “rdcH m%;sm;a;sh hkq rdcH wdh;k úiska lsishï iqúfYaIs m%;sM,$hla fyda úIhhla iïnkaofhka .kakd jQ fyda fkd.kakd jQ l%shd mßmdáh hs.”
ÿ,dka o is,ajd iNdm;s fnrkaäkd laIqÞuq,H wdh;kh “fujekakla
^laIqøuq,H m%;sm;a;h s & ke;s l,''' laIqøuq,HlrKh md,kh flfrkqfha nexl=lrKh" iuQmldr jeks fjk;a wxY i`oyd ±kg mj;sk m%;sm;a;s yd kS;s u.sks”
“m% ;s m;a ;s h la idudkHfhka úia ;r flfrkqfha ;SrK .ekSu i`oyd u. fmkajk yd ;¾ldkaú; m%;sM, <`.d lr .ekSu i`oyd jQ úpdrd;aul l% shdldrlï ie,iqula f,ih' flfia kuqÿ" fuu jpkh ie,iqï fkdl<d jqj o ieneúka u is ÿ lrk ,oa ola ye`Èkaùug o fhdod .efka. ” m%;sm;a;sh" úOdk yd kS;sj,ska fjkia fõ' p¾hdjka ;ykï ls Íu fyda n,d;aul lsÍu ksS;sfhka l< yels w;r ^Wod( wdodhï nÿ f.ùu i`oyd kS;shla w j Y H h& m% ;s m ;a ;s h l a ú is k a flfrkqfha yqfola wfmalaIs; m%;sM,h <`.d lr.ekSu i`oyd jvd;a iqÿiq l% s h dldrlï fj; u. fmka ù uhs ' fuu ,smsfhka wjOdrKh flfrkqfha l a Iq ø uq , H l r K h i ` oy d “ r d c H m%;sm;a;shl” wjYH;djhs.
miqìu kQ;k laIqøuq,HlrKh fyda jvd;a ksje/È j lsjfyd;a laIqøKh jevigyka we/ôfha 1980 .Kka j, §
cd;Hka;r rdcH fkdjk ixúOdk úiska .%dóh plS%h wruqo,a f,isks' miqj foaYSh rdcH fkdjk ixúOdk" úfYaIfhka u i¾fjdaoh úiska iSâia kñka laIqøuq,H jevigykla we/ôKs' th m iq j fjk a ù r dc H fk djk i x ú O d k h l a n jg m ; a ú h ' w o ish .Kkla rdcH fkdjk ixúOdk jevigyka we;' rch fuu wxYhg wj;S¾K jQfha m<uq j “biqre” yryd iy miqj iuDoaê jevigyk yryd h' rch rdcH fkdjk ixúOdkj,g f;d. Kh imhkakl= njg m;ajQfha ckiúh yryd h' wo th y`ÿkajkafka cd;sl ixj¾Ok Ndrldr wruqo, kñks' 1980 1990 w.Nd.h jk f;la laIqøuq,H jevigyka i`oyd ngysr wdOdr wdh;k fj;s k a uq ,HdOdr iemhk ,§' tfy;a wo tjeks wruqo,a fjka fldg we;af;a Odß;d j¾Okh i`oyd h' laIqøuq,H jevigyka i`oyd ish¨u mdfya wruqo,a ,efnkafka Kh yrydh' oYl folla ;rï me/Ks jQ lafIa;%hla jqj o th md,kh i`oyd m%;sm;a;shla fyda fr.=,dis fyda kSs;s fyda ke;' fujekak la fkdue;sl u fya ;= fjka ±kg laIqøuq,HlrKh md,kh jkafka nexl=lrKh" iuqmldr jeks fjk;a wxY i`oyd mj;akd jQ m%;sm;a;s yd kS;s u.sks'
YS% ,xldfõ laIqøuq,HlrK wxYh i`oyd rdcH m%;sm;a;shla wjYH wehs@ uf.a woyig wkqj fuu wxYh i`oyd rdcH m%;sm;a;shla wjYH ùug m%Odk fya;= ;=kla we;' 1' b;sß lsÍï jvd;a jeo.;a tla fya;=jls" ±kg m j ; s k k S ; s h g f ; a ck;djf.ka ;ekam;= ,nd .ekSfï wjirhla rdcH fkdjk ixúOdk j,g yd la I q ø uq , H wdh;kj,g ke;' laIqøuq,HlrK m%;sm;a;shla ke;af;a nexl= wxYhg yd wfkl=;a ms<s.;a nexl= fkdjk wdh;kj,g wod, kS;s u.ska la Iq øuq,H wxYh;a md,kh flf¾' b;sßlsÍï ,nd .ekSu flf¾ laIqøuq,H wdh;kj,g we;s whs;sh iïnkaOfhka rch ;=< we;af;a o ie,lsh hq;= uÜgfï jHdl+,;djls' laIqøuq,HlrKfha úYsIag l%shdud¾.hka wkq.ukh lrñka uqo,a wud;HxYh hgf;a jQ ckiúh jevigyk;a YS% ,xld uy nexl=j hgf;a jQ biqre jevigyk;a úiska ta fjkqfjka fmkS isáñka ish jevigyka i`oyd iqÿiqlï ,eîug kï b;sßlsÍï jevigyka i`oyd fhduq ú h hq ;= n j g r dc H f k dj k ixúOdkj,g n,mEï flßK' wfkla w;g" YS% ,xld uy nexl=fõ nexl= (8 jeks msgqjg)
laIqøuq,HlrKh ms<sn`o m%;sm;a;sh
pß; r;aj;af;a YS% ,xld jHdmdr ixj¾Ok uOHia:dkh
“tjeks
mßirhla ;=< YS% ,xldjg laIqøuq,HlrK m%;sm;a;h s la wjYH ± hs m%Yak lsÍu iqÿiq o@”
Yíoflda I hg wkq j m%; s m;a;s h we;s wruqo,a fidhd .; yelsh' hkafkys f;areu fok ,o úIhhla W o d y r K h l a f,i uq o,a iïnka Ofhka tl`. jQ fyda w u d ; H d x Y h ú is k a u y c k f;da rd.ka k d ,o l% s hdldrlï nexl=j" ,xld nexl=j" iy .%dóh m% ie,eia u hs ' fuu idudkH dfoaYSh ixj¾Ok nexl=j jeks w¾:±laùug wkqj YS% ,xldfõ rcfha md,kh hgf;a mj;sk uq,H laIqøuq,HlrK m % ; s m ; a ; s h wdh;k iq¨ m%udKhlg wruqo,a iïnkaOj Tn fidhd n,k uQ,dY% fjkafldg we;' laIqøuq,H wdh;k i`oyd f;d. jYfhka wruqo,a fudkjd o@ ksl; = a lrk rdcH m%;smdolhd YS% ,xldfõ wd¾Ólh ;=< rch cd;sl ixj¾Ok Ndrldr wruqo, úYd, N+ñldjla we;s fyhska m<uq (NDTF) muKs' ta yd iïnkaO jQ j fidhd n,k ia:dkh rcfha iyfhda.S wdh;k 150lg jeäh' ta m%;sm;a;s m%ldYkh jk uyskao iudk j u iuqmldr wud;HdxYh Ñka ;kh hs ' th tu úIh úiska o laIqøuq,H wdh;k m% iïnkaOfhka rcfha m%;sm;a;sh j¾Okh yd wëlaIKh i`oyd fmkakqï lrkakls' tfy;a th wruqo,a fjka flf¾' Tjqka úiska mj;akd jQ m%;sm;a;s m%ldYhlg iuqmldr .%dóh nexl=" iKi" iujvd ixl,amuh f,a L khls' Doa ê " cd;s h f.dv kexùfï Ñka;kh úiska bÈßm;a lrk w u d;H d xY h" . eñ Èß h m%c d ish¨u m%;sm;a;s iïmQ¾Kfhka u ixj¾Ok yd Ôjfkdamdh ixj¾Ok l%h s d;aul lsÍug rdcH md,kfha jHdmD;sh - .u ke.=u wëlaIKh fuu flá ld,iSudj úiska wjir flf¾' laIqøuq,H lafIa;%hg n,mEï we;s lrkakdjQ uq,H m%;sm;a;sh § ke;' iïmdokh yd l%shd;aul lsÍug ix l,a m h lg j v d mj ; a k d n,h ,nd § we;af;a YS% ,xld uy m%;sm;a;h s i`oyd B<`. meyeÈ,s nexl=jg hs' nexl=lrK mk; uQ,dY%h cd;sl wh-jeh jd¾;djhs' iïnka O fhka o ck;djf.ka th md¾,sfïka;=fõ wkqu; uq,H uq,H ;ekm;= Ndr .kakd ish¨u j¾Ih i`oyd rcfha úhoï wdh;k wëlaIKh lsÍug;a" kS;sh ie,iquhs' ta hgf;a laIqøuq,H W,a,x>kh lrk wh kS;sh bÈßhg wxYhg iïnkaO rdcH yd w¾O- f.k taug;a n,h mjrd we;af;a o rdcH wdh;k i`oyd fjkafldg uy nexl=jg h' cd;sl ;reK fiajd b;sßlsÍï yd Kh iuqmldr
i`oyd j.lshk cd;sl ;reK fiajd iNd j mj; aj d f. k hd u i`oyd ;reK lghq;= wud;HdxYh wruqo,a fjka fldg we;' fufia md¾,sfïka;j = úiska wkqu; fldg cd;sl whjeh hgf;a wruqo,a fjka fldg we;s fndfyda wdh;k we;' f uu wd h;k fn dfyd uhla jH dj ia:dms ; kS;s h hgf;a ks¾udKh jQjka h' tfyhska uQ,dY% hla f,k laIqøuq,HlrKh yd iïnkaO kS;s i`oyd jQ jHjia:dodhl m%{ma;k S a foi ne,su idOdrK jkafka bka m%;sm;a;sfha mrdñ;Ska fmkajd fokq ,nk fyhsks' GTZ PROMIS jHdmD;sh yd ,xld laIqøuq,H jD;a;slhkaf.a ix.uh tla j uE;l § Èh;a l< wOHhkfhka fy<s jQfha cd;sl md¾,sfïka;f = õ laIqøuq,HlrKh g n,mEï lrkakd jQ wd{dmK;a m% udKh 18lg jvd wvq ke;s njh' tjeks mßirhla ;=< YS% ,xldjg laIqøuq ,HlrKh ms<sn`o m%;sm;a;h s la wjYH ± hs weiSu iqÿiq o@ by; bÈßm;a l< f,aLk u.ska meyeÈ,s f,i m% ; sm;a ; sh Wlyd .; yels uQ,dY% bÈßm;a (8 jeks msgqjg)
fj¿u 2, wf.daia;= 2009
msgj q 5
isoê a wOHhk YS% ,xldfõ laIø q uq,H l¾udka;fha ffk;sl wx. ms<sn`o wOHhkhla YS% ,xldfõ laIqøuq,H l¾udka;h yd iïnkaO ±kg mj;sk kS;s yd wd{dmK;a ms<n s `o j we.hSula uE;l § GTZ – ProMiS yd m%Odk fmf<a kS;s wdh;khla jk FJ & G de Saram iyfhda.; S dfjka isÿ flßK' fuu wOHhkh wdrïN lf<a ,xld laIqøuq,H jD;a;slhkaf.a ix.uh (LMFPA) hs'
wjysr;d" laIqøuq,H wdh;k i`oyd l,anÿ yd rlaIK l%shdlrlï iy uq ,Huh VAT ms <s n `o .eg¿ iúia ; rd;a ul f,i fuys § idlÉPdjg .eksK' fuu wOHhk jd¾;dfjka kS;Hdkql+, mßirh laIqøuq,HlrKhg ys;lr tlla lsÍu yd laIqøuq,H iemhqïlrejkaf.a md,kh yd .sKqï lghq;=Ndjh jeä ÈhqKq lsÍu úúO kS;s úúO j¾.fha laIqøuq,H iïnka Of hka iú ia; rd ;au l fiajd imhkakka fj; n,mdkafka ks¾foaY jeäÿrg;a bÈßm;a fldg f lf ia o h k a k ms <s n `o j we;' tjeks ndOl uev,Sug iy jvd;a fuys§ .eUqre úYaf,aIKhla isÿ laIqøuq,H l%shdldrlï M,odhS f,i myiqlrKh i`oyd;a" flßK' tjeks kS;s j, idfmalI a jYfhka Yla;Ska yd ÿ¾j,;d rfÜ läkï wd¾Ól ixj¾Okh fudkjd ± hs fmkajd fok ,§' i`oyd;a" fuu ks¾foaY mokï fldg úúO j¾.fha laIqøuq,H wdh;k f.k jD;a;slhkayg fhdackd ilia iE§fï kS;Hdkql+, l%shdmßmdáh l< yelsh' ms<n s `o j jeäÿr wduka;K % h flrefKa tla tla wd{dmK;a j, fuu wOHhkh jd¾;djla f,iska <`.§ u t<s ±laùug kshñ; w;r jHjia:dkql+, m%;smdok o iu. h' bka YS% ,xld la Iq øuq ,HlrK óg wu;rj ;ekam;= /ia lsÍu" idys;Hfha úYd, ys±ila mqrjkq laIqøuq,H wdh;kj, we;s úfoAY we;' th laIqøuq,H jD;a;slhkag;a" wdfhdack" úfoaY Kh i`oyd mek ks h dulhka g;a iy uq ,HdOdr jq iSudjka" W.ialr i`oyd jQ imhkakka" úoaj;=ka iy WmfoaYl-
hka jeks wfkl=;a md¾Yajrejkag;a kS;suh me;a f;ka wxYh f;areï .ekSug uy`.= w;aje,la jkq we;' mq¿,a fm<.eiaula ;=< laIqøuq,H wdh;kj,g n,mdkakd jQ úúO kS;s úYaf,aIKh lsÍu ksid jD;a;slhkayg n,mdkakd jQ kS;s ie,ls,a,g .ksñka wod< .eg¿ úYaf,aIKh fldg úi`od .ekSug fuh Woõ jkjd we;' wOHhkfhka u;= jQ tla m%Odk ks.ukhla kï úYd, úúO;ajhlska hq;= yd fjkialï j,s k a hq ; = la I q ø uq , HlrKhg n,mdkakd jQ kS;s u;=lr,Suhs' tfyhska fmdÿ jYfhka wxYh i`oyd tl`. jQ kS;suh rduqj wjYH jkafka rg ;=< m%ñ;slrKfhka yd jD;a;Suh jQ la I qøuq,H l¾udka;hla f.dv kexùughs' fuu wOHhkh yd jd¾;dj ms<n s `oj úuikak( Hasitha.Wijesundara@gtz.de yis; úfÊiqkaor laIqøuq,H úfYaI{
tla l+mkhla Tfí Ôú;hu fjkia lrhs - BMI jHdmdr ixj¾Ok fiajdj fnrka ä kd la I q ø uq , H wdh;kh (BMI) ,dN fkd,nk iud.ula f,i ia:dms; flrefKa 2007 uehs udifha § h' ta YS% ,xldfõ .erkaá iud.ula f,i iud.ï mk; hgf;a ,shd mÈxÑ fjñks ' BMI hkq YS% ,xldfõ fnrka ä kd .DDma ys la I q ø uq , H ixúOdkh hs ' ks ¾ udKYS ,s ; a j h" jHqyh" iy M,odhS fufyhqï yryd b;d flá ld,hlska b;d l%shdYS,S laIqøuq,H fufyhjkakl= ùug BMI yg yels úh' Èia;%s la l ;= kl fldÜGdY y;rla wdjrKh lrñka 11"000la mdßfNda .s l hkg fia j d iemhk Tjqkaf.a mdßfNda.slhkaf.ka 62'4]la ldka;djka h' msg; Kh fYaIh remsh,a ñ,shk 158 jk w;r Kh wjodkï wkqmd;slh 1] ls' iEu lafIa;% ks,Odßhl= u mdßfNda.slhka 730 wdjrKh lrk w;r fuu la I q ø uq , H wdh;kfha fufyhq ï iïnkaOfhka iajhxfmdaIs; fjñka mj;S' fï jk úg th ish msßjefhka 83] la wdjrKh lr .kshs' jHdmdr ixj¾Ok fiajd ^EDS) BMI úYa j di lrkq f ha ÿma m ;a ñksiqkg Kh muKla ,nd §u ÿmam;alu ;=rkalr,Su i`oyd fkdiEfyk njhs' uq,H iydh;a iu. u kj jHdmdrhla wdrïN lsÍug fyda mj;sk jHdmdr mq¿,a lsÍu i`oyd ÿmam;a ñksiqkag l=i,;d mqyqKq o wjYHh' tfyhska" BMI Kh Ok m% fõYhla fhdod .ksñka jHdmdr ixj¾Ok fiajdjka o Kh myiqlï iu. u ,nd foa' BMI ys jHdmdr ixj¾Ok fiajdjkaf.a ks¾udKYS,s;ajh u;= jkafka Tjqkf.a l+ m ka l% u fõo fhks ' iEu
mdßfNda.slhl= úiska u BMI fj;ska Khla ,nd .ekSfï § EDS l+mka .; hq;=h' fuu l+mkaj, jákdlu Kh m%udKh wkqj fjkia fõ'
mqyK q j q i`oyd f.ùug l+mkam;a l=ug o@ idudkHfhka mqyqKq jevigyka yd uq,H fkdjk fiajd i`oyd uq,Hu h jákdlula §ug leu;s jka fka b;du;a iq\ msrsils' fndfyda fofkl= th wu;r úhoula f,i olsk w;r tys ks h u jákdlula Tjq k a g fkdoekSug w;S;fha isg meje; tk fkdñf,a mqyqKq ,nd§u iy bka blauka uq,Huh m%;s,dN fkd,eîu fya;= ù we;' flfia jqj o" BMI m% ;s ,dNSka Khla .ekSfï § Tjq kg fiajd ,nd .ekSfï l+mka m;a o ñ, § .ekSug isÿfõ' jHdmdr ixj¾Ok fiajd ,nd .ekSfï § uqo,a fjkqjg fuu l+mkaj,ska f.ùu isÿ flf¾' Tjqkg uqo,aj,ska o wjYH kï f.ùug bvlv we;' mdúÉÑ fkdl< l+mkaj, jákdlug iudk uqo,la wjidk jdßlh f.ùfï § Kh,dNs hdg b;s ß l+m ka kej; wdh;khg Ndr§fuka wvq lr .; yelsh' fuysoS re'250 l úÜkdlñka h q ; = u q o , l a B M I úiska ;nd .kq ,efí' iEu udihla wjidkfha u jHdmdr ixj¾Ok fiajdjkaf.a jákdlï .sKqï .; flf¾' jHdmdr ixj¾Ok fiajdjka i`oyd m%;s,dNSka
úiska fmd<S f.úh hq;= ke;' udisl Kh jdßlhg we;=<;a jkafka Kh m%d.aOkh" Kh fmd<sh" jHdmdßl ixj¾Ok fiajd .dia;=j h' BMI fj;s ka f.fkk jHdmdr ixj ¾O k f ia jd úú Oh ( Wod ( lDIs l¾uh$i;a j md,k mq yq Kq j " lDIsld¾ñl fkdjk mqyqKq ^wdydr ieliqï" bámkaoï iE§u" inka iE§u" wNHdi fmd;a ksIamdokh" we`ÿï ueiS u wdÈh&" jHdmdr ixj¾Ok mqyqKqj" wOHhk pdßld" jHdmdr ix.ï iE§u" wf,ú in`o;d" hkak bka lsysmhls' fuu fiajd m%j¾Okh tla tla YdLdfõ isák jHdmdr ixj¾Ok fiajd ks,OdÍka úiska isÿ flf¾' BMI laIqøuq,H ks,OdÍka yd iïnkaêlrKfhka hq;= j fuu fiajdjka ,ndfokafka o jHjidh ixj¾Ok fiajd ks,OdÍka úiska u h' fï o la jd jHdmd r ixj ¾ Ok fiajdjkaf.a msßjeh l+mkaj,ska ,nk wd o d hf u ka w d j r K h lr .ksñka ;sridr mokula hgf;a fia j d iemhS u g BMI fj; yelshdj ,eî we;' tfyhska" jHdmdr i x j ¾ O k fia j djka f.a .= K d;a ulNdjh yd Yla;sh jeä l rñka l=vd jHjidhlhska jeä m%udKhlg fuu fia j d iemS h ug wkd.;fha § wfmalaId flf¾' ks¾udKYS,S yd b,a¨u mokï lr .;a uq,H yd uq,H fkdjk fiajd iemhSug lem ù isák BMI ys ish¨ lghq;= id¾:l fõjdZhs SLMF iqn m;hs'
yis; úfÊiqkaor laIqøuq,H úfYaI{ laIqøuq,HlrK m%j¾Ok wxYh (PROMIS)
msgj q 6
Sri Lanka Microfinance Forum
laIqøuq,H úêl%u jdksc;ajh yd iudc fufyjr w;r iunr;dj /lSu
mdf,da fuf,a VSO / Sewa Finance
„úfYaIfhka u YS% ,xldfõ
laIqøuq,H wdh;k È.=ld,Sk meje;aulska hq;= wdlD;shla f.dv ke.sh hq;af;a fï fjkqfjka wruqo,a iïmdok jevigyka fï jk úg;a fndfyda m%foaYj,ska neyerj we;s ksid h ...“
úêu;a fukau wúêu;a wdldrfha laIqøuq,H l%shdldrlïj, b;sysih jir oyia .Kkla me/Ksh. w;S;fha mjq ,a w;r yd m% c d uÜgñka tls f kldg iq ¿ m% u dKhka f .ka Kh§u isÿ jQfha îc ñ, § .ekSu" wdydrmdk yd i;=ka i`oyd lEu wdÈh i`oyd h. flfia jqjo" miq.sh jir 30l ld,h ;=< fuu l¾udka;h fjk;a uÜgulg f.k .sfha jvd;a úêu;a jHqyhka y`ÿkajd foñka yd iud.ï ms ys gqj ñk h' WodyrK f,i" .%dóka nexl=j ;=< fudfyduâ hQkqia úiska we;sl< jHqyhka" Tyqj kQ;k laIqøuq,HlrKfha mshd f,i y`ÿkajkakg fya;= úK. Tyqf.a l:dj yd fufyjr mqrdjD;hla n`ÿ jqj o tys id¾:l;ajh úiska l¾udka;h ;=< kj m%jK;d we;s flßK' tfia jqjo" tu.ska ish uq,a wruqKska neyerùula isÿ jQ nj is;k Woúh o isá;s' laIqøuq,H wdh;kj, l%shdldß;ajh uekS u iïnkaOfhka zmdßfNda .sl ixLHdjZ fyd`o ks¾Kdhlhla o@ fu la is f lda f õ m% is oa ê h g m;a lrk ,o IPO (initial public offering) of the MFI Compartaramos
úiska ,dN iïnkaOfhka ms<s.;a uÜgï ms<sn`o j ie,ls,a,g .; hq;= lreKq bÈßm;a fldg we;s w;r ta mdßfNd.s l hdf.ka whl< hq ; = fmd<s h yd wdfhdac lhdg ,eìh hq;= ,dNh iïnkaOfhks' fndfyda há;, myiq l ï i`oyd uyck wruqo,a fhdod .ekSu fya;=fjka fndfyda wdh;k wmyiq;djg m;a j we;. ish j.lSu f,i Compartara mos jdo lrkq fha b y < uÜgfï ,dNh hkakg fya;= jkqfha Wiia uÜgfï jD;a;Sh fufyhqu iy fõ.fhka jHdma ; ùug wjia : dj ie,iSu;a ksid jeä msßilg blaukska Kh ksl=;alsÍug yels jk njhs. wfkla w;g fndfyda fokl=f.a woyi 100]la olajd jQ fmd<shla whlsÍu jvd;a ióm jkafka Kh
§ulg ñi laIqøuq,HlrKhg fkdjk njhs. fndfyda lKavdhï w;r ;ju;a mj;sk woyils" ÿmam;a ck;djg l= vd Kh ks l= ;a ls Íu i`oyd úhoï .sh o fmd<S wkqmd;slh my< uÜgul mj;ajd .; hq;af;a Tjqkg jeämqr f.ùfï yelshdjla fkdue;s ksid njh. fuh úhhq;a;la jqjo wjdikdjlg fuka fuu wdlD;sh iajdêk j mj;ajd f.k hd yelalla fkdjk nj m%o¾Ykh ù we;' th mj;ajd f.k hdu i`oy ksrka;r rdcH fyda cd;Hka ; r wruq o ,a wdfhdackhla isÿl< hq;= h. tfiakï" laIqøuq,H wdh;k ,dN bmhsh hq;= o@ fldmuKlska iEySug m;aúh hq;= o@ fndfyda oE mokï jkafka wdh;ksl jHqyh u;h( ,dN bmhSu i`oyd fkdjk fõjd" iuqmldrhla" rdcH fkdjk ixúOdkhla fyda ,dN bmhSu i`oyd jQ fm!oa .,sl wdh;khla fõjd" ud jdo lrkqfha tu ,dNh mdßfNda.sl hym; i`oyd fhoùu ms<sn`o meyeÈ,snjla we;a kï yd m d ß f N da .s l h k a i Q r d l ka fka ke;skï ,dN bmhSfï je/oaola ke;s njh. úfYaIfhka u YS% ,xldfõ l a I q ø uq , H w d h ; k È . = l d , S k meje;aulska hq;= wdlD;shla f.dv ke.sh hq;af;a fï fjkqfjka wruqo,a iïmdok jevigyka fï jk úg;a fndfyda m%foaYj,ska neyerj we;s ksid fuka u ±kg W;=re m<d; ;=< we;s jevigyka o jir lsysmhlska kj;d,sh yels ksidh. laIqøuq,H wdh;kj, l%shdldß;ajh ukskafka flfia o@ uq,Huh úu¾Yk jeo.;a jqj o jHdmdr kS;sfha m<uq kS;sh jkafka mej;au hs" tkï ish mdßfNda . s l hka f .a yd m% c djf.a Ôú;j,g bka we;s jQ n,mEu ms<sn`o ksje/È ;lafiarejla wjYHhs. fuu lafIa;%h y`ÿkajkqfha iudchSh l%
shdldß;ajh l<ukdlrKh f,iska y`ÿka j kq ,nk fuu la f Ia ; % h iqúfYaIS;djlska hq;= j f,dj mqrd fõ.fhka j¾Okh jkakls. bka jdksc;ajh yd iudc fufyjr ms<sn`o újdoh fjk;lg fhduq lsÍug m% h;ak ork njla fmfka' ta" laIqøuq,H wdh;k ñKSfï yd fYa%Ks.; lsÍu l¾udka ; fha i;H wruq K jk ÿmam;alu wvqlsÍu i`oyd wjOdkh fhduq lsÍfuks. iudchSh l%shdldß;ajh wëlaIKh úi`ÿu úh yelsh' fndfyda iud.ï úiska fï jk úg;a ish mdßfNda.shkaf.a Ôú;j, isÿ jQ fjkialï ms<sn`o j iúia;rd;aul f;dr;= re /ia flf¾. woyia iïnkaêlrKh yd talSh ks¾Kdhl f.dkqjla ieliSu i`oyd iudchSh l% s h dldß;a j h ms < s n `o ld¾hidOl n,ldh (Social Performance Task Force) kñka cd;Hka;r jHqyhla ia:dms; fldg we;. laIqøuq,H wdh;kj, iudc we.hSu o fmdÿ wjYH;djla fjñka mj;sk w;r Kh we.hSï isÿ lrkakd jQ wdh;k lsysmhla úiska u fuu fiajh iemfha. ta w;rg M-CRIL, Microfinanza, MicroRate iy Planet Rating we;=<;a h. fuu fiajdjka ñf,ka wêl ld,h jeh l<hq;= tajd jqj o tys m%;sM,h ÿmam;alu yd wjodku wvq lsÍu iïnkaOfhka wdh;kfha M,odhs ; djh ms <s n `o ks r joH ;la f ia r ejla kï tys jákdlula we;. ieneúka u" tajd fkdue;sj we/ôh yels fndfyda oE we;' ó<`. l,dmfhka ñksh hq;af;a l=uk oE o hkak yd fï fjk i`oyd wdh;k iQodkï úh hq;af;a flfia o hkak ms<sn`oj;a úia;r iys;j f.k tkakg uu n,dfmdfrd;a;= fjñ. mdf,da fuf,a VSO / Sewa Finance
jeo.;a in`o;d www.lankamicrofinance.com www.microfinance.lk www.cgap.org www.themix.org
www.seepnetwork.org www.edacapitalconnect.com www.bwtp.org www.mfnetwork.org
www.afmin-ci.org www.swwb.org www.inaise.org
msgj q 7
fj¿u 2, wf.daia;= 2009
m%Yia; l%h s dud¾. mlsia:dkfha laIø q uq,H fiajd jHdma;h s mq¿,a lsÍu - cd;sl Wmdhud¾.h 2007 fuys bÈßm;a fldg we;s lreKq yqfola rplhdf.a woyia ñi mlsia:dka laIqøuq,H cd,fha woyia u fkdfõ'
lr .ksñka fuu Wmdhud¾.h úis k a 2010 jkúg ls % h dldÍ Kh,dNSka ñ,shk 3l o 2010 ka Tíng ñ,shka 10l o b,lalhla ie,iqï fldg we;' ta;ekg ixo¾Nh( rfÜ uy nexl=j jk <`.dùu i`oyd wjYH;d ;=kla f,i mlsia:dka rdcH nexl=j wfkl=;a w& ;sridr fufyhqï" wd& fm! mrÿNdrlrejka iu. woyia úuiS- oa.,sl foaYSh m%d.aOkh by< ±óu" fuka cd;sl laIqøuq,H Wmdhud¾.h iy we& udkj iïm;a moku f.dv -2007 ilia flßK' ta jk úg ke.Su y`ÿkd .eKsk' wfkl=;a laIqøuq,H wxYh wdikak jYfhka mshjr w;r l¾udka; há;, myl%s hdldÍ Kh,dNSka ñ,shkhla iqlï Yla;su;a lsÍu" ;dlaIKh i`oyd fiajd imhñka ;=nQ w;r Ndú;h iy w¨;a fiajd imhkakka j¾Okh i`oyd iQodkula meje;sKs' Wkkaÿ lrùu o we;=<;a úh' laIqøuq,H wdh;k wd{dmK; 2001 f,iska kshduk rduqjla mlsia:dk W.;a mdvï rdcH nexl= j úis k a ia :dms ; f ld g ;sìK' t u.ska wvq 1' fjk;a ´kEu wxYhl fuka u" úiska úúO wdodhï,dNS ck.ykhg l=vd Kh W m d h u d ¾ . h ksl; = a lsÍug yd ;ekam;= yd uqo,a md¾Yajlrejkaf.a m%h;akhka udre ls Ífï fiaj d iemhSug mrud¾: lsysmhla lrd fhduq laIq øuq ,H ne xl= msys gqùu g lrùug;a" úúO mrÿNdrlrejkaf.a wjir ,nd § ;sìK' óg wu;rj" m%h;akhka tlsfkldg iydh jk rdcH fkdjk ixúOdk .Kkdjla fia lrf.k hEu i`oyd fufyh o laIqøuq,H wdh;k fyda laIqøuq,H ùug;a Wmdldß úh yelsh' m%.;sh fiajd we;=¿ nyq-udk jevigyka wëlaIKfha § l¾udka;h ;=< fidhd ne,Sfï$kshduk hdka;K % h f,iska l%shd;ul úKs'' iu. ^idudkHfhka l¾udka; Wmdhud¾.h u ; = m s á k a ix.uh $ cd,hla yryd& b,lal W m d h u d ¾ . h ú i s k a wkqmQrl úh hq;= h' wjOdkhg .efkkafka wxYh ;=< 2' Wmdhud¾.h jgd jQ m%h;akhkag m%Odk .eg¿ h( fjf<`ofmd< k d h l ; a j h l a § u g úlD;s lrk kS;u s h yd kshduk kdhlhl= ;nd .ekSug th wl% ñl;d" ixlS ¾K N+ f .da ,S h iydhla úh' kshdulhl= fuu jHdma;sh" laIqøuq,H wdh;kj, N+ñldjg fhdod .;fyd;a th ;s ridrnj" ú f Y a I { N d j h jvd;a fyd`Èka isÿjkafka l%shd;aul fkdue;slu" fiajl M,odhs;djh lsÍu blauka lsÍu i`oyd n,mEï iy tlA ksIamdokhla ^Kh& fj; lsÍfï yd wêldß n,h Tjqka i;= muKla ;sfnkakd jQ wjOdkh" jk fyhsk's tkuqÿ l%shdj,sh woyia wdÈhhs' l,la mqrd meje; wd úuiSu mokï fldg .; hq;= h j¾Okh yd Odß;dj mokï
mrÿNdrlrejka úfYaI fhka u jD;a;slhka iyNd.S lrjd .; hq;=h' ta ysñlu ;yjqre lsÍug;a l¾udka;h ;=< wNsfhda. jqj <`.d lr .; yels b,lal ;SrKh lsÍug;a h' 3' b,lal f;dard .ekSu ie,ls,u s ;a j is ÿ l< hq ; = h' ta j dhs k a l¾udka;hg wjdisodhl úh yels È ß . e k a ù ï w e ; s ú h yelsh' ;sridrnj <`.d lr .ekSu i`oyd jQ mSvkh yd tla jQ j¾Okh i`oyd flfrk n,mEfï m%;sM,hla f,i wjOdkfhka f;dr Kh ksl; = a lsÍï yd laIqøuq,H wdh;k úiska flá l%u fidhd hEula we;s úh yelsh' 4' rdcH uÜgñka ñ, § .ekSug wjYH m%udKh yd$fyda ,nd .; yels uÜgu rfgka rgg fjkia úh yelsh' rch iïnkaO lr.ekSu Woõjla úh yels jk w;r iuyr wjia:dj, § tu.ska wkjYH wjOdkhla l¾udka;hg fhduq úh yels h' fujeks wjia :dfõ § ish ;;a;ajh fjkqfjka tkï" fmd<S wkqmd;h" iyk iy n,mEu jeks oE iïnkaOfhka fmkS isàug wxYh iQodkï úh hq;h = ' 5' h;d¾:jd§ Wml,a mk is ÿ lrkak' b,lal ieliSfï § wod< Wml,a mk h:d¾:jd§ úh hq;=h' ;u jHdmdr ie,iqï yd ieliQ m% la fIa mK ms <s n `o j jD;a;slhka úuiSu jvd iqÿiqh' wnka yla m¾fhaIK úYf,aIl mlsia:dka laIqøuq,H cd,h
CGAP idrdxYh( cd;sl laIø q uq,H Wmdhud¾. ^Wmqgd .ekSï& wdo¾Yhla f,i .;a l," cd;sl laIqøuq,H Wmdhud¾. hkq ÿmam;a ck;dj fj; uq,H fiajd ,`.d lr.ekSu i`oyd woyia úuiSfï l% shdj,shla hgf;a uyck;dj úiska wkqu; lrk ,o f,aLk fõ' fuu Wmdhud¾.sl f,aLkj, idudkHfhka we;=<;a jkafka laIqøuq,HlrKh ms<sn`o o< úYaf,aIKhla" fuu wxYfha ±lau" Wmdhud¾.sl wruqKq" yd l% shd;aul lsÍfï l%shdldÍ ie,eiau hs' idudkHfhka cd;sl laIqøuq,H Wmdhud¾.hla ieliSfï wÈhr y;rls( ^i& laIqøuq,H wxYfha úksYaphka$ys±i y`ÿkd.ekSfï úYaf,aIKh; (ii) mrÿNdrlrejkaf.a woyia úuiSu ^mq¿,a jYfhka&; (iii) rcfha iyfhda.S;fjka ^idudkHfhka& WmfoaYlhl= úiska
f,aLk.; lsÍu; iy (iv) rdcH jHqyhla u.ska wkqu; lsÍu yd Wmdhud¾.h l%shd;aul lsÍfï mshjr ;SrKh lsÍu o we;<;a j Wmdhud¾.h ms<s.ekSu yd l%shd;aul lsÍu.
m%;s,dN ixjdohla f.dv ke.Su: cd;sl laIqøuq,H Wmdhud¾.hla f.dvke.Su i`oyd flfrk mq¿,a woyia úuiSfï l%shdj,sh úiska jD;a;slhka" wruqo,a iïmdolhka yd m%;m s ;a;s ilikakka w;r ikaksfõokh jeä ÈhqKq fldg we;. wxYh ms<sn`o ±kqu jeä lsÍu: cd;sl laIqøuq,H Wmdhud¾.hla ieliSfï m<uq wÈhr úiska fndfyda úg uq,H fiajd i`oyd m%fõYh jeälsÍu iïnkaOfhka we;s wjia:d yd ndOl
ms<sn`o j .eUqre wOHhkhla ;=<ska f;areï.ekSug bvm%ia:d ie,fia. m%%Yia; l%shdud¾. i`oyd lemùu: iuyr wjia:dj, § cd;sl laIqøuq,H Wmdhud¾. úiska m%Yia; l%shdud¾.sl uQ,O¾u Ndú;h yd ÿ¾j, m%;sm;a;s bj;a lsÍu i`oyd rch iy wfkl=;a mrÿNdrlrejkaf.a lemùu jd¾;d flf¾' tys yrh .;a l, tu.ska ish¨u l%shdldÍka úiska l%shd;aul lsÍug ne`§ isák kS;s ia:dms; l< yelsh.
wNsfhda. ÿ¾j, úksYaphka: wxYfha úksYaphkaf.a fndfyda l,a ys mD:q,njla fyda .eUqrenjla ke; ... jeäÿr lsheùu i`oyd: www.cgap.org/p/site/c/ template.rc/1.9.4349/
wnka yla m¾fhaIK úYaf,aIl mlsia:dka laIqøuq,H „b,lal f;dard .ekSu ie,ls,su;a j isÿl< hq;= h' tajdhska l¾udka;hg wjdisodhl úh yels Èß.ekaùï we;súh yelsh......“
msgj q 8
Sri Lanka Microfinance Forum
Sri Lanka Microfinance Forum mqj;a ix.%yfha
isxy, yd fou< mßj¾;k imhkafka:
Tng;a iyNd.s úh yelshs
GTZ PROMIS—Promotion of the Microfinance Sector www.microfinance.lk info@microfinance.lk
tjkak Tfí woyia" mqj;a" ,sms yd fhdackd Microfinance.forum@gmail.com
fj;
YS% ,xldfõ laIqøuq,HlrK m%;sm;a;shl wjYH;dj ^b;sß fldgi&
±kaùï? úuikak microfinance.forum@gmail.com
Sri Lanka Microfinance Forum
cd;Hka;r m%ñ;s wkql%ñl wxlh( ISSN 2012-5666
úuiSï: microfinance.forum@gmail.com
YS% ,xld laIqøuq,H lKavdhu Tjqkaf.a ia;=;sh WmfoaYl uKav, idudðlhska fj; m< lrhs( pkaÿ, wfíúl%u pß; r;aj;af;a wdpd¾h¡ ve.au¾ ¨ï ÿ,dka o is,ajd ksu,a udákia kSkd kdh¾ frdaia l=f¾ Yls, úfÊj¾Ok Sri Lanka Microfinance Forum mqj;a ix.%yfha
wka;¾.;h iïnkaO j.lSfuka WmfoaYl uKav,h ksoyia h¡ WmfoaYl uKav,fha ld¾hNdrh ixialdrljrekag woyia yd fhdackd bÈßm;a lsÍuhs¡
(4 jeks msgqfjka) fkdjk wëla I K wxYh úis k a ksfõokh flrefKa ;ekam;= ,nd .; yelafla uy nexl=j úiska wkqu; lrk ,o uq,H wdh;kj,g muKla njhs' meyeÈ,sj u Bg rdcH fkdjk ixúOdk yd laIqøuq,H wdh;k we;=<;a fkdúKs' miqj ,nd.;a b;sßlsÍï ck;dj fj; kej; ,nd fokake hs
fmd<S wkqmd;' foaYmd,k{hska yd fndfyda fcHIaG ks,OdÍka ±ä f,i úYajdi lrkqfha ÿmam;=ka i`oyd Kh ksl=;a lsÍfï § jeo.;a u foa jkafka Èh yels wvq u fmd<shg th ,nd §u njhs' jißka jir iuDoaê Kh i`oyd fmd<S wkqmd;h jirlg 24] isg 14] olajd my; jegqfKa mQ¾K jYfhka u rdcH n,mEu ksihs'
ix ú Od k j , g n , mE ï f l ßK' tfyhska" ÿmam;a ck;djg Khg jvd fndfyda fihska jeo.;a jk b;sßlsÍï jevigyka Èh;a lrka k g kï b;s ßls Íï m% j¾Okh flfrk m%;sm;a;shla wjYH h' b;sßlsÍï ,nd.ekSfï fkdyelshdj fya ;= f jka la Iq øuq ,H wdh;kj,g jeo.;a jQ tla jeo.;a m% d.aOk ud¾.hla o wysñ fõ'
cd;sl ixj¾Ok Ndrldr wruqo, úiska mjd fmd<S wkqmd;h my< uÜgul mj;ajd .ekSug Tjqkaf.a iyfhda.S wdh;kj,g n,mEï flßK' fuu foaYmd,k{hska yd ks,OdÍka úYajdi lrkqfha laIqøuq,H wdh;kj, fmd<S wkqmd; nexl=j,g jvd wvq úh hq;= njh' ta" nexl= we;af;a Okj;=ka i`oyd jk w;r laIqøuq,H wdh;k we;af;a ÿmam;=ka i`oyd jk fyhska o@ fuys § la I q øuq ,H wdh;k úis k a iudk foam,la ;nd fkd.ekSu fyda ÿmam;=ka fj; <`.dùu i`oyd lafIa;% úhoï jeäùu jeks idOl ie,ls ,a ,g fkd.efka'
2. fmd<S wkqmd;h laIqøuq,H wxYhg ±ä f,i rch úiska n,mEï t,a, ;j;a m%Odk ;ekls"
uq,H wxYh ms<sn`o j.lshkakd jQ rdcH wxYfha ks , OdÍka yd la I q øuq ,H jD;a;slhka w;r nrm;, ixjdohla mokï fldg f.k laIqøuq,H wxYhg wjysr fkdjk uÜgfï fmd,S wkqmd; ms<sn`o m%;sm;a;shla n,d;aul l< hq;=h'
la I q ø uq , HlrKfha N+ñldj 3.
rcfha
wo iEu wud;HdxYhla u .;a l< Tjqka i;= laIqøuq,H jevigykla we;s njla fmfka ' ëjr" l DIs l ¾u" ldka;d" .%dóH ixj¾Ok" iuDoaê fukau uy nexl=j i;=j o laIqøuq,H jevigykla we;' fuh i;H jYfhka u rcfha ld¾hNdrh iy N+ñldj o@ tfia ke;akï" rcfha N+ñldj úh hq;af;a fuu fiajdj iemhSu i`oyd fm!oa. ,sl wxYhg iy laIqøuq,H wxYhg n,h mejfrk mßirhla f.dv ke.Su o@
laIqøuq,HlrKh ms<sn`o m%;sm;a;sh ^b;sß fldgi& W,a,x>kh lrkakjqkg ks;Suh flf¾' m%fhda.sl jYfhka neÆ mshjr .efkkafka o@ hkak l, YS% ,xldfõ laIqøuq,HlrKfha ±laúh yelsh' m%uL" f.da,v a ka lS" fufyhqï mßirh thhs' ilaú;s" o`vj q ï uqo,d,s" ±ä o`vqjï uqo,d,s cdjdrï j, w;a±lSï ,o s r = ;¾ldkql+, j weish yels m%Yakh rgla jYfhka .;a l, ms<; jkafka kS;s u h jYfhka .;a zke;Z hkak hs' l, fuu ish¨u wd{dmK;a mQ¾K jYfhka u l%shd;aul m% ;s m;a ;s mQ¾K jYfhka u jkafka o hkak hs' l%h s d;aul fkdjk fyhska iuyr úpdrlhska w ,q f ;k a u W o d y r K h l a f , i la I qøuq,HlrK m% ; sm;a ; shla ck;djf.ka ;ekam;= ,nd .kakd ks¾udKh lsÍfï wjYH;djla w d h ;k jH j ia :d kq l+ , j ke;s nj;a bka hym;lg jvd wëlaIKh flfrkafka o iy whym;la isÿùug we;s bv jeä (4 jeks msgqfjka)
njg lreKq ±laùfï ;;ajhlg m;a j we;' l,d;=rlska fyda we;s flfrk úYd, Kh lmdyeÍï flá ld,Sk jYfhka laIqøuq,H wdh;k i`oyd hym;a jqj o mdßfNda.slhka iu. mrïmrdfjka mrïmrdjg laI`øuq,H wdh;k úiska f.dv k.d .;a Kh ixialD;sh ke;s lr ±óug bka n,mEula we;s úh yels njg Tjqka ;¾l lrkq we;'
Hard Copies of the Sri Lanka Microfinance Forum uqøs; msgm;a
imhkafka: fifkdajd u,aá isiagï fid¨hqIka fm!oa.,sl iud.u wxl( 550 1$3" mrK leianEj mdr" Wvyuq,, a " kqf.af.dv ÿrl:k( 0115 649366 *elaia( 0115 650509 B-fï,a( senova@wow.lk Kh l<U yd l<uKdlrK f;dr;=re moaO;s (MIS)- Kh yd b;sßlsÍï fiajd" iajhxlS% h .sKqï moaO;s" iïmQ¾K nexl= fiajd" fplam;a mßyrKh" uq,H jd¾;d iy laIqøuq,H wdh;k jd¾;d