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njhFjp 3, [dtup 2010
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nra;jp tyk; cs;Su; nra;jpfs; Ez;epjpf;fhf gpuj;jpNafkhf mu;g; gzpf;fg;gl;l Kjyhk; Ez;tq;fp mynfhd;iw HNB Muk;gpj;Js;sJ.
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fpuhkg; G w kf; f Sf; F mZff; $ ba jhf epjpr; N ritfis Mf; F k; GJ thf; F Wjpia ehtyg; gpl; ba Nju; jy; njhFjpapd; FUe; Jtj; japy; cs; s HNB Ez;e pjp myFfs; epiwNtw; wp As; sd. epjpAjtp njhopEl; g mwpT re ; ijg; gL j; Jk; Vw; gh L fs; vd; g tw;iw fpuhkr; r%fq;fSf;F toq;F jy ; > cs; slq; fyh f gue; jst h d nghjp xd; i w Kd; itg; g Nj ,e; j Kjw; g b Kaw; r papd; gpd; dzpapd; vz;zf;fUthFk;.
Kjy;Kiwah f ,y q;ifapd; Ez;e pjpj; Jiwapd; tpsf;fq;fSld; $ba ifj; n jhopy; mwpf; i fahdJ rpq; fs> jkpo; > Mq; fpy nkhopfspy; fpilf; f f; $ bajhd ,e; j mwpf; if fishttp://www.microfinance.lk/gtz public.php vd; w Kftupapy; gjptpwf; f k; nra; J nfh s; s KbAk; .mw pf; if fspd; mr;rplg;gl;l gpujpfis Promis fhupahyak; 16Mk; khb <]; l; ltu;> cyf kj; j pa re; i j nfhOk; G 01 vd; w K ftu pa pypU e; J n g w; Wf; nfhs;syhk;.(www.microfinance.lk)
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,yq; ifapy; Ez; e pjpf; F Vw; gh L nra; A k; Gjpa epWtdk; Rkhu; 125 gpy; y pad; ,yq; i f &gha; mstpy; kjpggP L nra; a g; gl; L s; s Ez; e pjpf; fhd ghupa Nfhupf;iffSf;F Vw;ghL nra; A k; tpjj; jpy; ,yq; ifapy; kpf tpiuthf Fnshgy; bu]; l; gpdhd; rp ay; Nrit y pkpll; vdg; g Lk; xU Gjpa epjp epWtdk; mikf; f g; gl Ts; s J. mjd; Kfhikj; Jt gzpg; gh su; R r d; j ng u; zh d; N lh T f; F mika epjpepWtdk; vd; w tifapy; ,aq; Ftjw; fhd mDkjpia kj; jpa tq; fpapl kpUe; J ,e; e pWtdk; vjpu; ghu;j;J cs;sJ. %yk; - http:www.sundaytimes.lk/091018/ financial times/1140.html (3k; gf; fk; njhlu; fpwJ)
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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;.
ru;tNjr nra;jpfs; fpuhkpd;Nghd; gq;Fr; re;ijf;Fr; nry;fpwJ. 2006 Nehgy; rkhjhdg; gupR ngw; w nkh`kl; a+D}]; vd;gtuhy; mikf; fg; g l; l Ez; e pjp ghupa epWtdkhd f p u h k p d; t q; f pa p d; c jt p n gWk; mikg; ghd fpuhkpd; nlypnfhk;k pf; F 38% gq; F upik nfh z; l epWtdk; fpuhkpd; Nghd; MFk; . ,jw; F gq; f shNjrpd; Jupjfjpapy; tsu;r;rp mil Ak; . 46 kpy; y pad; iflf; f njhiy Ngrp thbf; ifahsu;fSs; 21 kpy;yp ad; thbf; i fahsu; f s; mbj; j sj; ijf; nfhz; L s; sJ.; . tUkhdj; ijg; nghUj; j s tpy; ,J ehl; b d; kpfg; ngupa jdpahu; epWtdkhFk; . fpuhk Nghdpd; IPO MdJ ehl;bd; tuyhw; wpNyNa jdpahu; tq; f p xd; w pdhy; e p iy e h l; lg; g l; bU e ; j Ke ; i ja rhjidia ehd; F klq; F fis tpl mjpfkhf Kwpabj; Js; sjhf lhf;fh gq;Fr; re;ijapd; guptu;j;jid jiy t u; ufpg; cy; u`; kh d; $wpdh u; . (http;//www.dailymirror.lk/DMBLOG/ sections / frm news detail view.aspx? artid = 63014)
sms I mbj;j hskhff; nfhz;l Ez;epjp Kiwik ntspahf;fg; gl; l J. ntspahf; f g; g l; L s; s xU Gjpa Kiwik MFIf;fs; jk; KOj; n j h o p w; gh L f i s Ak; if a l f; f j; n jh i yN g r pf s; xU jd pg; g l; l nfh z; L n ry ; Yk; f z p d pg; n gh wp (laptop) %ykhf elj;j toptFf;fpd; w J v d c up ik gh uh l; L fp d; w J. ‘Front line sms - credit’ Kiwik ahdJ sms fisjpushf; F k; nkd; gz; lk; kw; Wk; e lkh L k; tu; j; jf toq;fy;fis cs;slf;fp MFI f;fs; ifalf; f g; ngh wpfs; %yk; fld; fis toq; fTk; mtw; iwj; Njbawp aTk; toptFf; fpd; w J. ,J frontline sms vdg;gLk; Rje;jpukhf ,.aq; Fk; vtuh Yk; mZff; $ ba nkd; gz; lj; jpd; mbg; gilapy; mike; j jhFk;. ,J elkhLk; fzpdpg; nghwp ia Ak; if al f; f j; n jh iyN g rp iaAk; xU kj; jp a njh lu; gh ly ; ikakhf khw; w paikf; f pd; w J. ,J epWtg;gbd; GMS je;jpapy;yhj fk;gp
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twpNahUf;fhd fld; trjpfs; kPjhd tl;b tpfpj tuk;Gf;F vjpuhf RBI Ez;epjp epWtdq;fshy; mwtplg;gLk; $bf; n fhz; N l NghFk; tl; b tpfpjk; njhlu; ghf ,e; jpa upru; t ; tq; f pAk; (RBI) rpNu\; l murhq; f mYtyu; fSk; fuprid nfh z; L s; s mNj Neuk; kj;jpa tq;fpahdJ tpfpjq;fs; kPjhd ve;jnthU tuk;igAk; myl;rp ak; nra; Js; sJ. Ez; e pjp epWtdq; fshy; mw tplg;gLfpd; w mjpf gl;r tpfpjf; fl; lzq; fs; gw; wpa tplak; njd; d pe; j pahtpd; rpw; r py gpuNjrq; fspy; gy; klq; F fld; toq; fg; gLk; rk;gtq;fshf mJ mjpfu pj;j tz;zk; cs;sJ. Ez;epjp epWtdq;fshy; mwtplg;gLk; fld; tpfpj fl; lzq;fs; kP J fl;Lg; ghLfis tpjpf;ff;$ba tha;g;G f;fs; Ez;epjp kNrhjh epiwNtw;wg;gl;lJk; Vw; g lf; $ ba tha; g ; G fs; cs; s d. ‘ e P jpj; Ji w mi kr; r pdh y ; rl; l kNrhjhtpd; Gjpa efy; KbT nra; ag; g l Ts; s J. Njitg; g bd; tl; b tpfpjk; gw; wpa gzpg;G iufis ,e; j kNrhjhthdJ murhq;fj; Jf; F toq; Fk; mjpfhuj; Jf; F topnra; A k; ’ vd; fpwhu;. ,e; j efy; kNrhjhitj; jah upg; gjpy; < L gl;L s; s xU mjpfhup.Source:http://
,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. fineextra.com/full story.asp? id=20616
www.dnaindia.com/money/report_rbiagainst-interest-rate-cap-on-loans-topoor_1298716
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Source:http://ae.zawya.com/Story.cfm/ sidANA20091005T095448ZFLX91/IMF% 20announces%20project%20to% 20study%20financial%20access%20for% 20poor
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fye;Jiuahlw; fUj;juq;F Njrpa mgptpUj;jp ek;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy;
vy;.V.gpajhr gzpg;ghsu; - fld;trjpfs; Njrpa mgptpUj;jp ek;gpf;if epjpak; (NDTF)
“ ,q;Nf fpilf;fg;ngw;W s;s gpujpgypg;Gfs; fyg;ghd fUj;Jf;fshf ,Ug;gpDk; jhf;fkhdJ me;jsTf;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”
1991 ,y; murhq; f mikg;n ghd; whf Vw; g Lj; j g; g l; l Njrpa mgptpU j; j p ek;gpf;if epjpak; (NDTF) gzpg;ghsu; rignah d; wpdh y; Kfh ikj; Jtk; nra; a g; gL fpd; w J. 2003 ,y; ,Nj ngaiuf; n fh z; l gue; jsth dJk; ghupasthdJkhd Fwpf; N fhs; fisf; nfhz; l cj; j uthj epWtdk; ,j; Jld; xd; wpizf; fg; gLtJld; epWt dq; f Sffhf fld; t rjp nra; t jd; nghUl; L Mrpa mgptpUj; j p tq; f p aplkpUe; J (ADB)epjpfisg; ngw;Wf; nfhz; lJ. ,J Ez;e pjp njhopw; ghL fspy; RahjPdkhdJ. fld; kw; W k; fldy; y hj cjtpia t oq; f pa t h W , yq; if ap y ; E z; epjpj;Jiwia mgptpUj; jp nra;t jpy; NDTF MdJ NgUjtpahf mike;J t e ; J s; s J . E z; e p j p e p Wt dq; fSf; F (MFI) epjpia toq; fpajhy; mj; J iwahdJ jk; ik mgptpUj; j p nra; a f; $ bajhf ,Ue; j Jld; tY kpf; f Mw; w iy ,g; N ghJ mile; J cs; s J. jw; N ghJ NDTF 250 gq; fhsu; mikg; G fSld; Nru; e ; J gzp ahw; W fpd; w J.MapDk; kpf mz; ik apy; NDTF Ez; epjp epWtdq;fshy; (MFI) nfhLf; f g; g Lk; fld; trjp njhlu;ghf 15% tPjkhd tl; b tuk; G xd; iw (tP o;r; rpAWk; ifapUg; G) mwp KfQ; nra; jJ. ,r;n ray;K iw vjpu; ghuhj tpjkhf epfo;e;jjhy; ,yq;if Ez; e pjpj; Jiwapd; <L gl; L s; s rpyu; ,t; thwhd eilKiw Fwpj; J jkJ ftiyia njuptpj;jdu;. ,j; Jiwapd; jw; N gh ija NjitfisAk; gpur; r pidfisAk; gw; w pj; JUtp Muha;e;J mjw;fhd jPu;Tfis fhz; gjw; Fupa fye; Jiuahly; N kil nahd; i w ,yq; i f Ez; e pjp fUj; juq; F(SLMFF) tpUk; G tjhy; NDTF aplk; ,e;j tl;btpfpjk; tuk;Ggw; wpa xU n j sp it g; ng w; Wf; nfh s; s ciuahbNdhk;. SLMFF: ,e;j tl;b tpfpj tuk;gpd; Nehf;fk; vd;d? N DTF : < w; wpy ; flidg; ngWk; gadh spf; f h d t l; b t pfpjj; ijf; Fiw f; Fk; murh q; fj; jpd; nfh s; iff;F mika ,k;K bT 2009[_iy khj Muk; gj; jpy; vLf; fg; gl; lJ ehl; bd; kpfTk; tWikapy; thLNthUf;
Fk; Ez; njhopy; Kaw; rpfSf; F Nk e h k; Nrit n ra; fp d; Nwh k; . E z; njhopy;K aw; 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;y J 30% Fiwe; J nfhz;L NghFk; kpFjpapy; tl; btpfpjq; fis mwtpLfpd; w d. ,jpy; rP u hf; fy; vJ TNk ,y;iy.
mtu;fs; jkJ fld;fis NDTF epjp i a g; ga d; g L j; j p K j w; f l i d nfhLj; J Vida fld; toptiffs; %yk; gpw fld;fis toq;F k; tpjj; jpYk; NtWgLj;jpAs;sdu;.
xU rpwpa njhopy; K aw; rpahsu; 30% Md epfu kpif ,yhgj; i j tl; b t pfp jj; i j nr Yj; jNt c io f; f Ntz; bapUf; F k; . vdNt fpilf; F k; tUkhdk>; ,yh gk; <l; L ksTf; F g; Nghjhky; ,Ug; g jhy; jkJ tpahgh uj; ij epiyj; J itj; jpUf; f rpukq; fis vjpu; N eh f; f Nt z; bAs; sJ. vkJ Fwpf ;N fhs; gpujhdkhf rpwpa njhopy; Kaw; rpahsu; f Sf; F (vkJ epjpapd; <l; L gadhspfs; ) Kf; f pa khf epthuzj;ij toq;FtjhFk;.
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: NDTF ,lkpUe; J fld; thq; F k; MFIfspd; gpujpgypg; G fs; ,Jtiuf;Fk; vt;thWs;sd? NDTF: ,q; N f fpilf;fg; n gw;W s; s gpujpgy pg; G fs; fyg; g hd fU j; J f; fshf ,Ug; gpDk; jhf; fkhdJ me; j sTf; F fLikahf ,y; i y vd; N w nrhy; N td; . Fwpgghf tpj; jpahrkhd tpjj; j py; fld; f is toq; F k; rpy ngupa MFIf; f s; NDTF e pjpAld; Fiwe;j tpfpjj;jpy; gzpGupAk; NghJ jkf; F cs; s rpukq; f isg; gw; wp vkf; F mwptpj; J s; s du; . ,Ug; g pDk; xU rpy MFIf;fis jtpu VidNahu; njhlu;r;rpahf NDTF ,lkpUe;J kPs; epjptrjpfisg; n gw; W jkJ gadhsp fSf;F 15 %f;F k; Fiwthd tUl tl; bf; F fld; nfhLf; fpd; wd. rpwpa gq; fhsu; epWtdq; fs; ( PO),j; jifa tl; b tpfpjj; J ld; jpUg; j pg; g Lfpd; wd. ,j; ji fa rp wpa fpuh kk l; l mikg;Gf; fis Nkk; gLj;JtNj vkJ Fwpf; Nfh shFk; . ngupa MFIf; fs; tl; b tpfpjj; i j mjpfupg; g Nj xNu jP u ; t hf 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 t pidj; j pwDld; gad; gL j; Jt jw; fh f Kd; ndL g; Gfis Nah r id f is K d; it j; J s; s d.
SLMFF: : ,e;j tl;b kl;lk; nry;Y gbahFk; jpfjp ahJ? NDTF : [_iy Kjyhk; jpfjp 2009
SLMFF:,f;fld; tpfpjkl;lk; flidg; ngWk; MFI fspd; KOik ahd fld; tptfhuq; fSf; F kh 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; J iwapy; NDTF gzp Gupfpd; w xNunahU mur mikg; g hFk; . mj; Jld; tl; b tpfpjj; i j 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; j pUf; f g; 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; F j; jkJ xj; J iog; i g tpup thf; Ftjhy; mtu;fsJ njhopw ghl; L r; nryT kpf mjpfk; Mdhy; rpwpa fpuhk mikg; G fSfF ,J N g h Jk .; MFI f; f s; jk J f ld; epfo; r; rpj jpl; lq; fis tpidj; jpwd; > gaDWjpggh l; L t pjj; jpy; mKy; nra;a Kay;tjd; %yk; jk; njhopw; ghl; L r; nrytpdq; f is Fiwj; J f; nfhs; s KbAk; . FWfpafhy fl; lj; jpy; ,jd; jhf; fk; mjpfkhd jhf ,Ug; gpDk; eP z; lfhy Nehf; fpy; ,J ,yq;ifapy; MNuhf;fpakhdJk; tpidj; jpwDkhd Ez;;e pjpjJiwia cUthf;Fk;. (8k; gf;fj;jpy; njhlu;fpwJ)
MFI ,dhy; itg;Gf; fzf;Ffis mzpjpul;ly; jkJ cWg; g pdu; f spilNa Ez; e pjp epWtdq;fs; MFIEz;njhopy; Kaw;rp fis cUthf;Fk; nghUl;L nghWg;G tha; e; j fld; fyhrhuk; > ,t; t hwhd epjpaq; f is KjyP L nra; J fld; toq; Ffpd; w epiy ik ia f l; b naOg; G tjw; fhf jdJ cWg; gpdupd; fspd; itg; G f; fzf; F fis mzp jpul;l Ntz;bAs;sJ.
rupj uj;tj;j ,yq;if tpahghu 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;.”
,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; f p rl; lj; j pd; g b mDkjp ngwhj tu; j; jf tq; f pfs; my; y hj> epjp epWtdky;y hj> $l;L wTr; rq; f epWtdky; yhj fl; bl epWtdky; y h jit jkJ cWg; g pdu; f splkpUe; J ve;jnthU rl; lj;jpd; fP Ok; cUthf; fg;gl;L ,yhgNehf;fq;fSfF ,y;yh tpby; itg;Gfisg; ngwNth KjyPL nra; a Nth my; y J 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; r l; l j; j pdhy; tYt+l; ; l g; g l; l Jizahf gad; gLk; rl; lg; gpu kh z q; fi s ,yq; if k j; jpa tq; f p Mf; f Ntz; b As; s J. gpukh zr; rl; lfNtiyfspd; N ghJ fhzg; gl; l FiwghLfis fz; L gpbg; g jw; fh f Fwpg; g h f ,e; j t optiffs; ,aw;wg;gl;ld. ,e; j toptiffspd; g b ru; N thjah t p d; S EE DS e p Wt dk; ,y q; if kj; j pa tq; f papd; mDkjpf; fbjk; xd; i wg; ngw; W s; s J vdTk; rpwpJ fhy j; Jf; F Kd; du; m j; ji fa mDkjpf; fhf mu; j; jrhupa epWtfk; tpz; zg;gpj; Js; sJ vdTk; ,yq; if kj; j pa tq; f papd; epjpr; r ig mtu; fsJ Ntz; L Nfhis jkJ ftdj; Jf ; F l; g l; l n jd m wpt 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;j ,yq;if tpahghu mgptpUj;jp epiyak;
gf;fk; 5
njhFjp 3, [dtup 2010
fw;if Ma;Tfs; Ez;epjpAk; jq;FkplKk; : ,yq;ifapd; njd; khfhzj;jpy; Ez;epjp epfo;rr ; pj;jpl;lk; njhlu;ghd jhf;ff; fzpg;gL P fle; j E}w; whz; b d; N ghJ ‘epjp mgp tpUj;jp kw;Wk; nghUshjhu tsu;r;rp’ Jiwapy; kpf Kf; f pakhd Kd; n d Lg; G Ez; e pjp MFk; . fpuhkq; f isg; NghyNt efug; gwq; fspYk; rpW njh opy; Kaw; rpfspy; KjyP l; il Kd;n dLg;G r; nra;tjd; %yk; fpuhk mgptpUj; jp kw; W k; tWik xopg; gpd; C lh f e piy Ng wh d ngh U sh jh u tsu; r; rpapd; tpidj; jpwd; kpf;f cg f h u zk h f m J g ut yh f V w; Wf; nfh s; sg; g l; l J. kpf mz; ikapy; Fiwe;j tUkhd Kila kf;fSf;F gaid Nehf;fkhf nfhz;l nghUshjhu mgptpUj; jp mZFKiwahfTk; tWik Fiwg; G> ghy; rkj; Jtj; Jf; F xj; Jioj; jy; > $Ljyhd ruprkdhd t U k h dk; t pe pN ah f j; i j C f; F tpj; jy; jdpahs; Jiwia tpUj; jp nra; j y; kw; W k; gq; N fw; G mgptpUj; jpia Kd; n dLg; G r; nra; jy; Nghd; w cs; s lq; f pa Gj; j hapukhk; Mz; L mg pt pU j; jp ,yf; Ff i s ( MDG) milt jw; f h d rpwe; j topahfTk; mgptpUj; jp nghUspayhsu; fs; Ez; e pjpapd; kP J t y pAWj; jiy Nkw; nfhz;ldu;. jq; F kplk; Kd; D upikgLj; j g; gl; l mbg;gil Njitahf ,Uf;Fk; mNj Neuk; FbapUg;G f; fis ifkhw; whfg; ngWk; (BHH) tP likg;G mgptpUj; jp apd;kPJ Ez;epjpj; jhf;fj;ij nfhz; bUj; jy; Ntz;Lk;. MapDk; Ez;e pjp apd; jq;F kplk; gw; wpa jhf; fk; kPjhd jk; ft dj; i j Ma; t hsu; f s; ,J tiuapy; nrYj;jtpy;iy.,e;j ,il ntspapy; Ez; epjpiag; nghWj; j tiuapy; Ez; e pjpAk; jq; F kplKk; Gjpa Ji wfsh fT s; sd. vdNt > Ez;epjp epfo;r;rpj; jpl;lq;fspy; jq;F kpl Nkk; gh l; L kjpg; gP L nra; t J Kf; f pakhFk; . ,yq; i fapd; njd; khfhzj; j py; FbapUg; G epiyikfis Nkk; gLj; J k; Ez; e pjp epfo; r; rp j; jp l; l q; f s; BH H) vt ; t sT tpidj;jpwd; kpf;fit vd;gij gFg; gha;T nra;t ij jw;N ghija 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; $l;LwT mikg;Gfs; (ETCCS) murhq;fj;jpd; Mjuitg; ngWk; epWtdq;fsp ypUe;J rKu;j;jp tq;fp rkh[q;fs; (SBS)murrhu;gw;w
mikg;;GfspypUe;J XusTf;F murrhu;Gila kw;Wk; ru;Nthja nghUsh jhu njhopy; Kaw;rp mgptpUj;jp rkh [q;fs; gFg;gha;tpd; Nehf;fj;Jf;fhf xU tUlj;Jf;F Nkw;glhj Ez;epjp Aldhd jdJ cWg;ghz;ikf;fhyj; ijf;nfhz;l jw;Nghija ngWeu; fspypUe;j FbapUg;Gfspd; FOf; fisg; gw;wpa xg;gPL Nkw;nfhs;sg; gl;lJ. BHIfspd; gpe;jpa FOf;fs; BHHsG2 1-4 Mz;Lfs; tiuapyhd cWg;ghz;ikiaf; nfhz;ljhfTk; BHHsG3 (Ez;epjp epWtdq;fSl dhd cWg;ghz;ikf; fhyk; ehd;F Mz;Lfis tpl mjpfkhfTk; cg gpupTfshf gpupf;fg;gl;ld. ,j;jhf;fj; ij fzpg;gPL nra;tjw;fhf jw;NghJ FbthOk; tPl;bd; jq;Fkpl trjpfs;> trpg;gjw;fhd ,ltrjp> FbapUg;gpd; epiyik vd;gd Rl;bfshfg; gad; gLj;jg;gl;lJ. FbapUg;Gfspd; ,U jug;G FOf;fSk;(CHHIkw;Wk; BHH) rfykhwpfspdJk; ruhrup elj;ij nry;YgbahFk; jd;ik (ATE)vd;gd kjpg;gPL nra;ag;gl;ld. juTg; gFg;gha;tpd; mbg;gilapy; Ez;epjp fld; trjpfs; ifkhw;whfg; ngwg;gLk; FbapUg;GfSf;F (BHH) gaid mspj;jd vd;gij fl;Liu Mrpupau; mwpfpwhu;. ,J tPlikg;G epiyikfs; ($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) $Lj yhf ,Ue;jJ. ,jw;fpilNa rpnke;J rhe;J g+rg;gl;l BHHsG3 FbapUg;G tPnlhd;wpd; gf;fr;Rtu; epiyik 85.5% Mf ,Uf;ifapy; BHHsG2 itg; nghWj;jstpy; rPnke;J g+rg; gl;l gf;fr;Rtu;fspd; tPl;Lf;fhd tpfpjk; 71.5% khf Fiwe;jTld; CHHI nghWj;jstpy; ,e;j tpfpjk; NkYk; 42.3% Mf Fiwe;jJ. NkYk; BHH G-3 ,d; 9% ck;>BHHsG2 ,d; 15.1%ck; Md tPLfs; rhzk; nkO fg;gl;l jiufspd; tpfpjg;gq;F 30.9% Mf mjpfupj;jJ. ,Wjpahf FbapUg;G tPLfspd; re;ij tpiy gw;wpa gpd;dilT gFg;gha;T nfhz; L s;s rhd;Wfshdit> khjpupf;fhf vLf;fg;gl;ltw;wpd; Vida khjpupfs;
mNjthW ,Uf;Fkhdhy; BHHsG3 tPnlhd;wpd; ngWkhdj;jpd; 4.1 myF mjpfupg;ig fld; tof;Ffspy; xU myF mjpfupg;G Vw;gLj;Jk;. ,jw;F tpj;jpahrkhf BHHsG3 tPl;Lg; ngW khdj;jpy; 2.2 mjpfupg;ig kl;LNk fld; toq;Ftjpy; xU myF mjpfupg;ig Vw;gLj;Jk;. ,e;j gFg; gha;tpd; mbg;gilapy; Ez;epjpia filg;gpbg;Nghu; jkJ rpwpasT nghU shjhu msTj;jpl;lkhf tPlikg;G fld;fSf;F epjp toq;Ftij Neub ahf <LgLtjpy; ,Ue;j NghjpYk; BHHfspd; FbapUg;Gfis CHH fS ld; xg;gpLk; NghJ kiwKfkhf <L gLk; MF MdJ rpwe;j jhf;fj;ij Vw;gLj;Jfpd;wJ. ,f;fw;ifapd; KOikahf fw;Wiu ahf;fpNahuplkpUe;J ngw;Wf;nfhs;s KbAk;.
V.N[.vk;. re;jpujhr rpNu\;l tpupTiuahsu; nghUspaw;Jiw WFz gy;fiyf;fofk; Chandra@econ.ruh.ac.lk
cq;fSf;F kfpo;rr ; pfukhd GJ tUl ey; tho;jJ ; f;fs; ! 2010
V.N[.vk;. re;jpujhr rpNu\;l tpupTiuahsu; nghUspaw;Jiw WFz gy;fiyf;fofk;
„ juTg; gFg;gha;tpd; mbg;gilapy; Ez;epjp fld; trjpfs; ifkhw;wh fg; ngwg;gLk; FbapUg;G fSf;F (BHH) gaid mspj;jd. ,J tPlikg;G epiyikfs; ($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 “
.,yq;if Ez;epjpf; fUj;juq;F
gf; gf;fk; k; 6
Ez;epjp njhopy; El;gq;fs; epjp rhu; cw;gj;jpf;fhd re;ij Muha;rr ; p ,q;F n t sp; g;gL j;jg;gl;L s;s fUj;Jf;fs; fl;Liu MrpupaUilaJ. mit Pla n Srila nk at pd; fU j; Jf; fisg; gpujpgypg;gjhf mikahJ.
ejPu uzghd; uzghd Ez;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 .“
jw;Nghija tpahghur;#oypy; cw;gj; jpr; Rw; wpd; ‘thbf; thbf;ifahsupd; jpir Kfg;gLj;jy; y ’ Nghl;b epiwe;j re;ij apNy ntWkNd epiyj; j pUg; g jw; F jtpu;f;f KbahjjhfTs;sJ. jw;Nghija ftdf;Fiwg;gpd; khw;wj; Jld; gy ; Nt W %Nyh gh aq; fspd; Clhf nghUl;fis cw;gj;jp nra;J mtw;iw tpw;gid nra; fpd;w cw;gj; jpia Nehf;fhff; nfhz;lit Nghd; w v z; zf; fU f; fspypue; J nghUl; fspd; > Nritfspd; mgtpUj; jpf; F Kd; d uhf thbf; i fahsupd; Kd; tpUg;G fSk; NjitfSk; ,dq; fhzg; g l; l> thbf; i fahsiu Nehf; fpajhf gupzkpj; Js; sd. ,g; N ghf; F Ez; e pjpj; J iwapYk; vOr; r p ngw; w tz; z k; cs; s J. ,q; N f Ez; e pjp epWtdq; fs; (MFI) jkJ thbf; if ahsUf; F cfe; j jhd> 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; W k; fhzg; gLfpd; wJ. mjhtJ MF ,d; cw; gj; jpfs; thbf; ifahsUf; N fw; wthW mikah ikahy; xt;nthU Mz;Lk; MFI fs;> mNefkhf gy MFI fs; thbf; i f ahiu fzprkh dsT ,og; g jdhy; mit $LjyhdsT thbf; i fahs Uf;F Vw;wthW nghWg;Gld; nraw;gl Ntz; b As; s jhfTs; s d. (HULME 1999) vdNt ,g;gbg;gl;l vz;zf;fU rhu;e;j #o;epiyapy; re;ij Muha;r;rp vg; g b nghUe; J fpwJ? MFI fSf; F thbf;ifahsu; Nehf;fpa Nritahy; Nritahy fpilf;ff;$ba ed;ikahit? re;ij Muha; r; rpapd; nray; K iwfSk; El; gq;fSk; ahit? ,yq;iff;fhd #o; epiyapy; mit vt;thW gpuNahfpf; fg; glyh k; ? ,it Na fl; L iuapy; JUtp Muhag; gLk; rpy tplaq; fsh Fk;. re;ij Muha;rr ; p (MR) MFI xd; w pd; jw; N ghijaJk; vjpu; f h y j; j p y ; t u f; $ b a M w; w iyf; nfh z; ltuh f ,U f; Fk; t h bf; if ahsupd; NjitfisAk; Kd; tpUg; Gf;fisAk; tpsq;fpf; nfhs;t jw;fhf tbtikf; f g; g l; l xU nraw; ghlhf Tk; mJ njhopw; gLfpd; w #oYf; Fk; epjprhu; jsj; jf; F k; 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; t jhy; fpilf; f f; $ ba ed; i kfs; ahit? vDk; tpdhTf; F ,e; j tiutpyf; fzk; tpilfis toq;Ffpd;wJ. jiyg; gpYs; s t psf; f k; Fwpg; g pL tjd;gb Gjpa cw;gj;jpfis tpUj;jp nra; t jd; kP jhd jfty; f s; > eil KiwapYs; s cw; g j; jpfis rP u ; ik ahf; f y; kw; W k; re; ijg; gL j; j iy Nkk; gLj; jy;> thbf; ifahsupd; fz; Nzh l; lq; fis Ak; e pjp rh u; jsq; f i sA k ; N gh d; wt w; i w r e; i j Muha; r;rp toq;F fpd; wJ. MR MdJ xU r pf; fyh d n ra y; K i w ahf vkf; F epidt+l; ba NghjpYk; rpwpa kw;Wk; eLj;justpyhd MFI fshYk; cz; i kah fNt Kfh ik j; Jtk; n ra; a f; $ ba xd; wy; y. re; ij Muha;r;rp nray;K iw> ,uz; lhk; gb kP sh a;T njhlu; fspd; C lh f
Muha; r; rpf; fhd gpur; rpidia ,dq; fhzYld; Muk;gpf;fpwJ. ,jd;%yk; fz; l wpag; g Lgit> Muha; r; r pf; f hd Fwpf; N fhs; f is juTj; j pul; L fis njhlUk; MR jpl; lq; fis cUthf; Ftjw;Fk; gad;gLj;jg;gLfpd;wd. juTfisj; jpul; L tjw; fhf ftdf; Ftpg; G nra; a g; gl; l FOepiy fye; JiuahlYk; (FGD) gq;Nfw;G fpuhkpa kjpg; gP L fSk; (PRA) Nghd; w nghJ thd juk; tha; e; j juTj; jpul; L El; gq; f s; ga; g L j; j g; g Lt J fUj; i j <u; g; g jhf ,Ug; g J Fwpg; g plj; jf; f tplakhFk;. vdNt epjprhu; cw;gj; jp mgptpUj;jpAld; njhlu;Gila jfty; fis ngWtjw; F ,j; j ifa fUtp fs; vt;thW ve; j tifapy; cgNah fpf; fg; gL fpd; wd vd; gijg; gw; wp JUtp Muha; t J gpuNahrdkhdJ. epjp rhu;e; j ,ay; Mw; wy;fs;> ghq; F fs; > Njit fs; kw; Wk; t h bf; if ahsupd; me; j]; J Nghd; wtw; iwAk; ,dq; fhz;gjw; fhf gUtj; Jf; F Vw; w jd; ik> th o; f; ifr Rw; W> fh yj; 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; W k; tha;g;GfSf;fhf epjprhu; Nritfis jP u ; khdpg; gjpy; gz; G fs; > epWtduP jp ahd jutupir El; gq; f s; JizGup fpd; w d. ,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; fP L > re; ijg; gLj; jy; > mKyhf; fy; HR Nghd; w rfy jpizf; f sq; f spy; cs; s gpujpepjp fisf; n fhz; l gyjug; g l; l gpupTf; FOnt h d; w p dh y ; c w ; g j; j p t bt ikg;G > tpiyfs;> Kd;n dLg;G >,lk;> epiy> ngsjpf rhd; W fs; > kf; f s; kw;Wk; nray; Kiw vd;gdNt me;j 8P f; f shFk; . G+u; t hq; f cw; g j; j p vz; z f; fUf; f spYs; s gFg; g ha; T ngWNgWfs; njh lu; r; r pah d FGD fis gad; gLj; j p jpUj; jpaikf; f g; g l; l d . N j it g; gb d; m J K b T nra; a g; g l; l cw; g j; j pia nfhz; L tuf; $ ba msTuP j pahd Kd; N dhbg; guP l; i rAld; me; j Ma; T f; F Fiw epug; ghf mike; jJ. ,t; t hW tpsf; fg;gl;lJ Nghd;W gbg; gbahf re;ij Muha; r; r p gpd; g w; w g; g Lkhapd; MFI fspd; ngUk; ghyhd rpf; fyhd jd; ikfis Fiwj; J tpsf; fkhd epjp rhu; cw;gj;jpg; ngWNgwhf mikAk;. nfd; a h> gq; fsh Nj\; > cfz; lh > njd; dh gpupf; fh> ,e; jpah Ngh d; w Ez; e pjp re; ij Kd; dzpahsu; fSk; ,Uf; F k; ehLfs; cl; g l 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; L g pb g; Gf; fi ka jk; Nr kp g; G cw; g j; j pfis rP u ; j pUj; j paikahy; Nrkpg;G fs; mzpjpul;lypy; Fwpg;gplj; jf; f sT ntw; wpia mile; Js; sd. , jw; F Nky j pfkh f nf d; ah t pd; <f;F tpl;b Ngq;f;>cfz; lhtpd; FINCA Nghd; w epWtdq;fs; jkJ fld; rhu; cw; g j; j pf; f hf $bagl; r thbf; i f
ah siu jf; fit j; Jf; nfh s; Sk; tpf pjq; f i s m D gtpj; Js; sd. (Wright 1999 kw;Wk; Coetzee, 2002) Mdhy; ,yq;ifapd; mNef Ez;epjp e il K iwah su; f Sl d; ,ilj; njhlu;G nfhz;ljdhy; fz;lwpag;gl; lJ ahnjdpy; tpsf; f khd re; i j cw; g j; j pfis rP u ; j pUj; j p mwpKfQ; nra;tjw;fhf fsepiy cj; jpNahfj; ju; fspd; mDgtj; jpNyNa $basT jq; f pAs; s du; vd; g jhFk; . Mtu; f s; jk; fse piy cj; jpNah fj; ju; fs; mtu; fSlNdNa neUq; fpa njhlu; G nfhz;ljdhy;>jk; nraw;gzpahsu;fs; thbf; ifahsu; fspd; NjitfisAk; Kd; t pUg; G f; f isAk; tpsq; f pnfhs; fpd; wdu; vd Cfpf; fpd; wdu; . ,r; #o; epiyapy; ,q; F re; ij Muh a; r ; r p gutyhf filg;gpbf;fg;glhky; ,Ug;g jw; f hf rhj; j pag; g Lk; fhuzpfis guprPypg;gJ ngWkjp tha;e;jjhFk;. ,yq; i fapy; gpujhd fhuzq; f spy; xd; whf> re; ij Muha; r; rpnahd; iwr; nra;Ak;NghJ Fwpg;ghf Muk;gj; juT fis jpul;Lk;NghJ> Vw;gLk; epjp rhu; n ry T f i s $wyh k; . mNe f kh d MFI fs; nrytplg; g Lk; nrytpdq; fSld; re; i j Muha; r; r papypUe; J (MR) cldbahf ngwg; gLk; ngW NgWfs; me; jsTf; F Kf; fpaj; Jtk; tha; e; jjy; y v d fU Jf pd; wd. MapDk; ,t; t h wh f rpe; jpg; gjhy; re; i j Muha; r; r papd; %yk; fpilf; ff;$ba ePz;lfhy gad;fis Vw;fj; jtWfpd;wd. cjhuzkhf gUtfhyj; j pa Njit fs; kw; W k; Nghl; bahsu; fspd; rf; jp fs; k w; Wk; gyt P dq; fis , dk; fhZjYf; f ika Nritfis Nkk; gLj;jy; gzg; Gof;fj; ij Kfhikj; Jt k; nra; t jpy ; t h bf; ifah su; fSf; F cjTfpd; w Fwpg; g pl; l epjp rhu;e; j cw;gj; jpfs; njhlu; ghf jpul; lg; g l; l Muk; g jfty; f spd; rfy mk; rq; fisAk; t pU j; jp nra; t J Neubah d e d; i kfSf; F Nkyjpf khf mikAk;. MapDk; Kjd; i kj; juTfis tpl 2 Mk; gbj; juTfis gad;gLj; jtJ kpf tpidj; jpwDilajhfTk; ,yF thdjhfTk; jpul; L tjpy; ,yh gfu khfTk; ,Ug;gjhy; rpwe;j njd rpyu; thjpf; f yhk; . Mdhy; 2 Mk; gbj; juTfs; XusTf;F mjd; cl;n jspT fisAk; kl; L Nk je; J Muha; r ; rp Fwpf; Nfhs; fis mz; kpg; gjw; F Muh a; r; rpa h su; fSf; F c jt KbAk;.vdNt ,uz;lhk;gb j u T f s p y ; k l; L N k j q; f pa p U g; g J gupe;Jiuf;fg;gl tpy;iy. cjhuzkhf fsepiy nraw; gzp apduplkpUe; J jpul; lg; gLk; juTfs; mtu; fs; vt;thW thbf;ifahsUld; ,ilj; n jhlu; G nfhz; l du; vd; W k; Nritfs; toq; F tjpy; mtu; f shy; Vw;gl;l ftdaPdq;fs; Fwpj;j jfty; fSk; cs; s lq; f papUf; fhJ. vdNt Nju; e ; n jLf; f g; g l; l Jk; ghugl; r khd juTfisAk; jtpu; g; gjw; fhf kw; W k; tpsf; f kh d jP u ; k h dq; f is vL g; g jw; fhfTk; Kjd; ik juTfs; cld; ,uz; lhk; gb cz; ikahd t plaq; f isAk; ,yf; fq; f isAk; F iwe pu g ; gh f g a d; gL j; Jt J vg;NghJk; mtrpakhFk;. (Continued on page 8)
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njhFjp njhFjp 3, [dtup 2, Mf]; 2010l; 2009
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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; f l; L iuapd; Kjy puz; L ghfq; fsh d tiut pyf; f zKk; 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; L s; sd. ,yq; if Ez; e pjp fUj; j uq; F f; fhf ,f; f l; L iufis gq; fspg; Gr; nra; a xg; G f; nfhz; l ikf; fhf Mgj; J Kfhikj; Jt Jiwapy; epGzuhfTs; s jpU.epuh[; Fkhu; mtu; f Sf; F ehk; ntFthf ed;wp $WfpNwhk;.
ghfk; 1 tiutpyf;fzKk; epah aj; jd;ikAk; ngUk;ghyhd MFI fs; fld; Mgj;J Kfhikj; J tj; J ld; jpdKk; mNj Ntiy fld; jP u; f; F k; 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; w iy Kd; $wpat w; i wg; Nghd;N w nfhz; ls; sJ vd;gJ cz; ikahf ,Ue; j NghjpYk; Ntnwe; j fhuzpfisAk; tplTk; fld; jPu;f;Fk; gpur; r pidfshy; vOfpd; w tpisT f s h y ; e p j p r h u ; e ; j e p W t d q; f s; Njhy; t pia jOTfpd; w d vd; g ij mDgtq;fs; vLj;Jf;fhl;Lfpd;wd. xU epWt dk; mjd; rfy nfhL g; gdT rk; ge; jkhd flg; ghLfisAk; gpd; t Uk; xd; N wh my; y J gyNth nfhz;ltw; iw gpd;gw;Wtjhy; tPo;r;rp ailtjhy; jd; flg; ghLfis kjpg; gij fzf; F j; jP u ; f ; F k; Mw; w iy Fwpg; g pLfpwJ. eilKiwahf gz cl; G of; f k; (M) gzf; ifapUg; G fspd; gq; F > (,) gzj; i j ifkhw; whfg; ngwy; (<) fzf; F j; jP u ; f; f f; $ba nrhj; J f; f is fhrhf khw; W jy;. fzf;F j; jPu;f;F k; Mgj;J vdg; gLtJ cupikahsu; f s; > thbf; i f ahsu; f s; kw; W k; Vida gq; F jhuu; fisf; nfhz; l epjprhu; epWtdj; jpd; cs; st u; fspd; t pU g; G fspy; vjpu; kiwahd jhf; fj;ij Vw;gLj; jf; $ba rhj; jpakhFk; . ,jdhy; fhyj; Jf; N fw; w th Wk; rpf; f dkhd Kiw apYk; jw;N ghija nfhLg;gdT flg; ghLfis epiwNtw;w Kbahj epiy Vw;gLk;. gp d; t U k; Fw pf; N fh s; f i s e pi w Ntw; W tjw; fhf Njitahd gbKiw fs; vL g; gJk; fzf; Fj; jP u; f; F k; Mgj; Jf; isj; njh lu; e ; Jk; ,dq; fhzy; kw; W k; mtjhdpj; j Yf; f hf fz f; Fj; jP u; f; Fk; Kfh ikj; Jt nfh s; ifia cUt h f; f p> mjid kPsha;T nra;Ak; nghwpKiw xd;iw cs;spl;l Kd;Ndw;ghlhdJk; tpsf;f khd mZFKiw fzf;F j; jP u;f;Fk; Mgj;J Kfhikj;Jtk; vdg;gLk;.
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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.)
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.,yq;if Ez;epjpf; fUj;juq;F
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,yq;if Ez;epjpf;fUj;juq;fpd; rpq;fs> jkpo;; nkhopg; ngau;g;Gf;fis toq;fpaJ: :
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cq;fs; fUj;Jf;fs;> nra;jpfs;> fl;Liufs;> kw;Wk; mgpg;gpuhaq;fis mDg;g Ntz;baJ :
GTZ PROMIS - Ez;epjpj; Jiwapd;
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microfinance.forum@gmail.com
Njrpa mgptpUj;jp rk;gpf;if epjpaj;Jldhd gpuj;jpNaf Neu;fhzy; (njhlu;rr ; p) (4k; gf; fj; jpypUe; J njhlu; fpwJ)
cq;fSf;F tpsk;guk; nra;a Ntz;Lkh? njhlu;G nfhs;Sq;fs; : microfinance.forum@gmail.com
,yq;if Ez;epjpf; fUj;juq;F ru;tNjr juj; njhlu; vz; :
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;N shk;. ,J xU rhjhuzkhd fld; toq; F k; jpl; l ky; y . MFIfs; Vida nrytpdq; fSld; rk; ge; jg; gl;;L s; sd. njhopw; ghLfs; > gapw; rpfs; > kf; fis mzp jpul; ly; kw; W k; fsepiy nrayzpapdiu mzpjpul; l y; Nritfis Nkk; gL j; Jt jw; f h f jkJ fld; trjpj; jpl; lq; fis tpupthf; F tjw; F
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cjt pf; f h d ngh jp xd; iw t bt ikg; gjw; fhf vkf; F jk; fUj; Jf; fis rpy MFI fsplkpUe; J ngWt jw; fhfTk; Ez; e pjp tiy aikg; G lDk; ehq;fs; $l;lq;fs; itf;f ,Uf;fpNwhk;. rfy cld; g hlhd kh w; w q; f Sld; ,yq; i fapy; Ez; e pjpj; J iwf; f hd fUt +ykhd xU e pWt dkh f e hk; Mtjw;F epidj;Js;Nshk;. mj;Jld; ,j;jifa tpupthf;fy; jpl;lq;fSld; vjpu;tUk; fhyq;fspy; re;ijapYs;s rf; jpfshy; tl; btP jk; jP u ; khdpf; fg; glyhk; vd vjpu;ghu;f;fpNwhk;.
fpuhk kl; lj; jpy; gzpGupfpd; w Gjpa 200 gq;fhsu; mikg;Gf;fis Nru;j;Jf; nfhs;s ehk; mLj;jhz;Lf; fhf ,yf;F itj;Js;Nshk;.
epjprhu; cw;gj;jp mgptpUj;jpf;fhd fw;if Muha;rr ; p (njhlu;rr ; p)
ISSN 2012-5666 6k; gf;fj; jpypUe; J njhlu; fpwJ)
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,yq;if Ez;epjpf; fUj;juq;Ff; FO jd; ed;wpfis MNyhridf cWg;gpdu; rigf;Fj; njuptpj;Jf; nfhs;s tpUk;G fpwJ: fpwJ: 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 MNyhridr; rig nghWg;ghf khl;lhJ. fUj;Jf;fisAk; fUj;Njw;wq;fisAk; mjd; Mrpupau;fSf;F toq;FtNj MNyhridr; rigapd; gq;fhFk;.
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fpd;wJ ,yq;ifr;#oy py; t pidj; jpwDlD k; ga DW jpg; ghl;LlDk; vt;thW re;ij Muha;r;rp N k w ; n fh s; s g ; g l yh k; . r e ; i j Muha; r; rp rpf; fdkhf mikaNt z; L kh apd; MFIfs; gpur; rp idapd; gl;baypy; ftdQ; nrYj;j Ntz; batw; i w Kd; D upikg; gLj; jp kpf Kf;fpakhd tplaj;ij Kjypy; ftdQ; nrYj;j Ntz;Lk;. ,t;thwh fj; njspt h d ft dpg; gh dJ kpf tYthd rpghupRfis Vw;gLj;Jtjpy; cjtp GupAk;. ,jw; F Nkyjpfkhf rfy tpj; jpahr khd mikg;G uP jpahd jpizf;fsq; fisAk; mtw; w pd; nraw; g hLfis Ak; cs; slf; fp mikg; G f;F s; N sNa tsj; n jhFjpnahd; i w mgptpUj; j p nra;tjw;F eilKiwuPjpahf re;ij Muha; r;rpiag; gpuNahfpg; gJ kpfTk; tpidj; jpwd; kpf; f cgh akh Fk; . 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 tpl $ba sT gaDW jp t h a; e ; j jh F k; . V n d d p y ; N r i t toq; fiy Nkk; gLj; Jtjw; fhf cs; sf nray;Kiwahf toik ahd ,ilntspfspy; cs;Su; kl;l nraw; gzpapdu; re; ij Muha;r; rpia Nkw;nfhs;syhk;. mNe f kh f fz; L gp b f; fg; gL git fSk; rpghupRfSk; re;ij Muha;r;rp apy; jw; N ghJs; s nray; Kiwfsp Yk; ghuJ}ukhd khw;wq;fis re;ij Muha; r; r papy; nfhz; ltu KbahJ. mdhy; rpwpjsthd rPuhf;fq;fSk;
tpUj; j p nra; jy; f Sk; kpff; Fiw t h d nryt py; ,yFt h f nra; a KbAk; . MIS ,d; ght idah su; Mf; fk; my; y J nray; K iw uP jp ah d Nkk; gh L fs; Ngh d; w t piy $ b a re ; i j M uh a; r; r p r p gh u p R fis MFI fs; mKyhf;f Ntz;ba NghJ ntspaf epjprhu; MjuTfSk; gad;gLj;jg;glyhk;. r h j h u z kh f F w p g; g p l j; j f; f s T Kjy PL fs; fh zg; gL k; re; ij Muha; r; r p gFjpfs; Nghd; w tw; w py; Ez; e pjpapd; rpwe; j eilKiwfs; njh lu; g h f njh opy; E l; g Nkk; g hL fSk; nraw; g zpapdupd; ,aYik Nk k; gh L f S k; c s; s g F jp f Ns F w p g ; g p l j ; j f; f K j y P L f i s A k; nfhz;Ls;sd.