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8/9/2019 how does micro-finance companies flurishes in the rural areas?with an example
1/5
Ngdv` Egjkjdi ? Inq`rivgjb |m`ti k| |mi f`||`n `e |mi Qwvkngl
Tkbkv K*Kbvkrkc
V`cc J`* 66
Kttgbjnij| j`*;
?HSBVQCEYVGC[L[EMEVQTL[CMUG@V]YCUHC[Y]YL@LYMLU&Gj|v`lyd|g`j |` Ngdv` Egjkjdi
Egjkjdgkc tivugdit bguij |` q``v % c`r Gjd`ni qi`qci -gjdcylgjb
r`nij' `e Vyvkc Kvikt |` vkgti |migv t|kjlkvl `e cgugjb % dkj nkhi
|min id`j`ngdkccw t`yjl*
Gj ;74< VFG it|kfcgtm Kbvgdyc|yvkc Dvilg| Liqkv|nij|*
Vibg`jkc Vyvkc Fkjht dvik|il gj ;729*
JKFKVL it|kfcgtmil kt kj kqi} kbijdw e`v vyvkc egjkjdi gj ;7=6*
Ngdv` Egjkjdgkc Gjt|g|y|g`jt
Kjw gjt|g|y|g`j |mk| qv`ugli egjkjdgkc tivugdit |` |mi q``v# g| gjdcylit?.
D`.`qivk|guitEgjkjdgkc JB@
Dvilg| Yjg`jt
D`nnivdgkc Fkjh
Q`t| @eegdit
Gjtyvkjdi D`nqkjgit i|d
K Qv`egci `e Vyvkc Gjlgk
491 ngccg`j Fic`r Q`uiv|w Cgji
79 ) mkt j` kdditt |` ngdv`egjkjdi*
95 ) qi`qci t|gcc f`vv`r ev`n gje`vnkc t`yvdit*
21 ) l`itj| mkui kjw liq`tg| kdd`yj|*
=2 ) j` kdditt |` dvilg| ev`n e`vnkc t`yvdit*
Kjjykc dvilg| linkjl gt kf`y| Vt*21# 111 dv`vit*
79 ) `e |mi m`ytim`clt gt rg|m`y| kjw hgjl `e gjtyvkjdi*
Gje`vnkccw Ngdv`egjkjdi mkt fiij gj qvkd|gdi e`v kbit*
Tivugdit `eeivil gj Ngdv` Egjkjdi
C`kjLiq`tg|t
Gjtyvkjdi
Qijtg`jt
8/9/2019 how does micro-finance companies flurishes in the rural areas?with an example
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Ngdv` Egjkjdi ? Inq`rivgjb |m`ti k| |mi f`||`n `e |mi Qwvkngl
V`ci % Fijieg|t\kvbi|gjb |mi q``v
Q`uiv|w Vilyd|g`j |mv`ybm T`dgkc Qv`|id|g`j
R`nijt inq`rivnij|
Rglijgjb e t`dgkc dkqg|kcFytgjitt liuic`qnij| Tivugdit
@|miv liuic`qnij| tivugdit
Gjtyvkjdi tivugdit
Qijtg`j tivugdit
fw ugv|yi `e Ngdv`.Egjkjdi figjb qvgnkvgcw kukgckfci |` r`nij# kct` kd|t kjinq`rivgjb |``c e`v vyvkc r`nij* \mivi kvi j`r tiuivkc |m`ytkjl vibgt|ivilTice Micq Bv`yqt -TMBt' kjl Ngdv`egjkjdi Gjt|g|y|g`jt -NEGt' kdv`tt Gjlgk* \mi|mvii ckvbit| gjliqijlij| NEGt kvi TMKVI Ngdv`egj# FKTG] Egjkjdi kjl THT*
Ngdv`egjkjdi gt k |``c rm`ti q`|ij|gkc ri mkui oyt| t|kv|il |` vikcgti* Kt kjlrmij |mi NEGt nkhi eyv|miv gjj`uk|g`jt gj |migv `qivk|g`jt g| ngbm| `qij yqjir ugt|kt kjl cikl |` eyv|miv t`dg`.id`j`ngd yqcge|nij|# itqidgkccw e`v |m`ti#rm` kvi gbj`vil fw |mi nkvhi| e`vdit kjl c``hil l`rj yq`j kt fyvlij fwukvg`yt b`uivjnij|t* Ge |mi Ngdv` Egjkjdi Gjt|g|y|it dkj dkt| g|t tqicc# rgli kjlliiq gj|` |mi Gjlgkj mgj|ivckjl# |mi t`.dkccil F`||`n @e |mi Qwvkngl dkj l`
oyt|gdi |` g|t jkni# fw figjb |mi filv`dh `e Gjlgkj t`dgi|w# `uiv rmgdm |mivick|guicw ricc.miicil fy| |mgjjiv ckwivt kvi fygc| `j|`*
THT Ngdv`egjkjdiTHT rkt vkjhil kt |mi Jynfiv ; NEG gj Gjlgk kjl jynfiv 6 gj |mi r`vcl fw NG] Nkvhi|# r`vcltciklgjb fytgjitt gje`vnk|g`j qv`ugliv e`v NEG gjlyt|vw*
Licguivgjb tivugdit k| |mi l``vt|iqt `e g|t ninfivt kjl e`cc`rgjb dcikv.dy| qv`dittit# THT mktfiij kfci |` ijtyvi k viqkwnij| vk|i `e `uiv 77 ) `j g|t c`kjt*
\wqi JFED
Gjlyt|vw Egjkjdi
E`yjlil ;77=
Mikl{ykv|ivt Mwlivkfkl# Gjlgk
Kvik tivuil Gjlgk
Hiw qi`qci Ughvkn Khyck Dmkgvqivt`j kjl
e`yjliv# Tyvitm ByvynkjgDI@.
Nkjkbgjb lgvid|`v
Inqc`wiit `uiv 61111
Riftg|i m||q?//rrr*thtgjlgk*d`n/
8/9/2019 how does micro-finance companies flurishes in the rural areas?with an example
3/5
Ngdv` Egjkjdi ? Inq`rivgjb |m`ti k| |mi f`||`n `e |mi Qwvkngl
Ngdv`Egjkjdi dkj fi liegjil kt |mi qv`ugtg`j `e egjkjdgkctivugdit -tydm kt dvilg|# tkugjbt kjl gjtyvkjdi' |` |mininfivt `e c`r.gjd`ni m`ytim`clt# rmgdm micqt |min|` kybnij| |migv gjd`ni* @e|ij |mi dvilg| gt bguij |` kbv`yq `e qi`qci# itqidgkccw r`nij # kjl |mi rm`cibv`yq gt vitq`jtgfci e`v |mi viqkwnij| `e |mi c`kj* fw
ugv|yi `e Ngdv`.Egjkjdi figjb qvgnkvgcw kukgckfci |`r`nij# kct` kd|t kj inq`rivgjb |``c e`v vyvkcr`nij
Ngdv`Egjkjdi mkt fiij qvitij| gj Gjlgk e`v n`vi |mkj ;9wikvt# kjl b`gjb fw qkt| vid`vlt `ji dkjgjeiv |mk| q``v qi`qci# rmij bguij kdditt |` mkttci eviikjl |gnicw egjkjdgkc tivugdit k| nkvhi| vk|it# viqkw
|migv c`kjt kjl yti |mi qv`diilt |` gjdvikti |migv gjd`nikjl ktti|t* \miw `e|ij t|kv| tnkcc fytgjitt rmgdm|kqt gj|` |mi c`dkc nkvhi| kjl t`ni|gnit# iuij qv`ugliinqc`wnij| |` `|miv r`nij gj |mi ugcckbi# rmij|migv uij|yvi bkgjt t`ni tgzi*
Kqkv| ev`n kd|gjb kt k cijliv# t`ni `e |mi Ngdv` EgjkjdiGjt|g|y|g`jt-NEGt' kct` qv`uglit kj `qq`v|yjg|w |` tkui|migv tyvqcyt ikvjgjbt# kjl ikvj gj|ivit| `j g|# rmgdm
`|mivrgti r`ycl mkui vinkgjil yjy|gcgtil* Kc|m`ybm |mivk|i `e gj|ivit| dmkvbil fw -NEGt' rmgci cijlgjb# kvibijivkccw mgbmiv |mkj nkvhi| vk|it# g| gt t|gcc nydm cittiv|mkj |mk| dmkvbil fw |mi c`dkc n`jiwcijliv*
8/9/2019 how does micro-finance companies flurishes in the rural areas?with an example
4/5
Ngdv` Egjkjdi ? Inq`rivgjb |m`ti k| |mi f`||`n `e |mi Qwvkngl
Kll |` g| |miekd|# |mi NEGt kct` `e|ij klugti |mi f`vv`rivt `j rkwt |`fi||iv y|gcgti |migv f`vv`ril n`jiw kjl t`ni iuij
|vkgj |min rg|m div|kgj u`dk|g`jkc thgcct* G| j`| `jcwtkuit |min ev`n |mi kukvgdg`yt c`dkc n`jiwcijlivt# fy|
Ngdv`egjkjdi gt `j g|t rkw |` fid`ngjb nkgjt|vikn* \mgt
|vkjtg|g`j dvik|it|vinijl`yt `qq`v|yjg|git e`v |mi tivugdiqv`uglivt gju`cuil kjl# n`vi gnq`v|kj|.cw e`v |mi ngccg`jt`eqi`qci rm` rgcc#kt k d`jti{yijdi# jircw mkui kdditt |` egjkj.dgkc tivugdit *Wi| |mi tmge| gt jig|miv gjiug|kfci j`v rg|m`y| vgtht*
Rmgci |mi u`cyni `e ngdv`egjkjdi tivugdit gt dcikvcw bv`rgjbvkqglcw#|mi jynfivt `ftdyvi |mi yjiuijjitt `e tivugdit qv`ugtg`j
rmij d`jtglivil f`|m bi`.bvkqmgdkccw kjl ev`n |mi t|kjlq`gj| `e{ykcg|w* It|gnk|it `e |mi r`vclrgli jynfiv `e ngdv`egjkjdi
f`vv`rivt vkjbi ev`n 41 |` ;96 ngccg`j*Wi| nkvhi|t gj nkjwd`yj|vgit# gjdcylgjb bgkj|t tydm kt Fvkzgc kjl Dmgjk# vinkgj
yj|kqqil vick|gui |`|m`ti gj `|mivt #tydm kt Fkjbcklitm*Eyv|miv n`vi# nkjw `e |mi dcgij|t gjdcylil gj|miti egbyvit ckdh kdditt |` kj kli{yk|icw |kgc`vil `v lguivti ti|
`etivugdit#gjdcyl.gjb j`| `jcw dvilg|#fy| kct` tkugjbt# gjtyvkjdi#kjl qkwnij| qv`lyd|t*Kt k d`jti{yijdi# e`v n`t| `e |mi r`vclt
c`r gjd`ni q`qyck|g`jt#kdditt |` egjkjdgkc tivugdit vinkgjt
ig|miv j`j.i}gt|ij| `v tyft|kjlkvl*Jir kqqcgdk|g`jt `e |idmj`c`bwgnqv`uinij|t gj fkdh.ijl
qv`dittgjb kjlgj|ibvk|g`j rg|m dicc qm`jit#K\Nt#kjl |mi Gj|ivji|d`nfgjil
rg|m |mi ij|vw `e
ckvbi jir qckwivt# tydm kt nko`v fkjhgjb gjt|g|y|g`jt# kvioyt|gegkfcw dvik|gjb tgb.jgegdkj| i}dg|inij| gj |mi egicl `e ngdv`egjkjdi* Wi| k q`ttgfgcg|w
i}gt|t |mk| |mivityc|gjb lgtvyq|g`jt rg|mgj |mi gjlyt|vw rgcc yc|gnk|icw lgngjgtm#
8/9/2019 how does micro-finance companies flurishes in the rural areas?with an example
5/5
Ngdv` Egjkjdi ? Inq`rivgjb |m`ti k| |mi f`||`n `e |mi Qwvkngl
vk|miv |mkjNgdv`egjkjdi Nk|yvit@qq`v|yjg|git#Vgtht#kjl @ft|kdcit e`v kj
Inivbgjb Bc`fkc Gjlyt|vw
f`vv`rivt |khi c`kjt e`v k vkjbi `e gjd`ni.bijivk|gjb kd|gug|git#gjdcylgjb cguit|`dh# kbvgdyc|yvi# |vkli -tydm kt uibi|kfci uijlgjb'#
qv`lyd|g`j -ev`n fkthi| rikugjb |` q`||ivw' kjl jir kbi fytgjitt-qm`|`bvkqmw |` fiky|w qkvc`yvt'* THT kct` qv`uglit ninfivt rg|mgj|ivit|.evii c`kjt e`v inivbijdgit kt ricc kt cgei gjtyvkjdi kjlc`kj d`uiv gjtyvkjdi |` f`vv`rivt*
fw ugv|yi `e Ngdv`.Egjkjdi figjb qvgnkvgcw kukgckfci |`r`nij# kct` kd|t kj inq`rivgjb |``c e`v vyvkcr`nij* \mivi kvi j`r tiuivkc |m`ytkjl vibgt|ivil TiceMicq Bv`yqt -TMBt' kjl Ngdv`egjkjdi Gjt|g|y|g`jt-NEGt' kdv`tt Gjlgk* \mi |mvii ckvbit| gjliqijlij| NEGtkvi TMKVI Ngdv`egj# FKTG] Egjkjdi kjl THT*