nkn`tu - HNB FINANCE

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"HNB Grameen is a subsidiary of Hatton National Bank PLC""HNB Grameen is a subsidiary of Hatton National Bank PLC"

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,yl;rf;fzf;fhd Viog; toq;fg;gl;Ls;sJ.nfhz;like;jJk; fz;b fpisahdJ ngz;fspd; tho;f;ifapy; ghuk;gupakhf gy;NtW ,g;gpuNjrj;jpy; gue;J fhzg;g nropg;ig Vw;gLj;Jk; cd;dj njhopy; Kaw;rpfspy; <LgLk; Lk; kj;jpa epiyaq;fSld; Nehf;fj;Jld; Muk;gpf;fg;gl;l kf;fisf; nfhz;lJkhd kj;jpa ,ize;J nraw;gl;L tUfpd;wJ. gpiuk; fpuhkpd; epWtdk;> me;j epiyakhff; fhzg;gLk; fz;b> mt;thNw> ,g;gpuNjrj;jpy; Nehf;fj;ij miltjw;fhf ,aw;ifahdJk;> mofhdJk; Gjpjhf fz;b fpisapdhy; fPo; ehlshtpa uPjpapy; mt;thNw nkd;ikahd epHtfpf;fg;gLk; upfpyf];fl Muk;gpf;fg;gl;l fpisfspy; fhyepiyiaf; nfhz;l

tprpj;jpukhd efukhFk;. topghl;Lj; jsq;fSf;F mg;ghy; fyhrhu tpOkpaq;fis nfhz;l fz;b efuj;jpy; mike;Js;s gpiuk; fpuhkpd; fz;b fpis nraw;ghLfs; njhlHgpy; nkn`tu ,k;Kiw Muha cs;sJ. gpujhd efuq;fs; gytw;wpy; gue;J fhzg;gLtJk; fpuhkq;fs; gytw;iw ,izj;J nraw;gl;L tUk; gpiuk; Nrit kj;jpa epiyak; fle;j fz;bf; fpisAk; xd;whFk;. fpuhkpd; fz;bf; fpis> jdJ [{d; khj ,Wjpapy; ,f;fpis mq;fj;jtHfspd; r%fg; nghWg;ig epiwNtw;Wk; Muk;gpf;fg;gl;lJ. fz;bapy; nraw;ghLfs; njhlHgpy; mjd; Nehf;fj;Jld; RkhH gd;dpuz;L ,Ue;J ntF J}uj;jpy; KfhikahsH gz;lhu tUlq;fSf;F Kd;dH fz;bapy; ,Ug;gjdhYk;> ,q;fpUe;J uj;dhaf;f vkf;F toq;fpa Muk;gpf;fg;gl;lJ. 2003Mk; tpiuthf nry;y Kbahj tpNrl nrt;tpia fPNo Mz;L Vg;uy; 11Mk; jpfjp fhuzj;jpdhYk; mt;thNw> jUfpd;Nwhk;.fz;b fpis Muk;gpf;fg;gl;lJ. fz;b efukhdJ gy;NtW upfpyf];fl gpuNjr kf;fSf;F fz;b> Nguhnjdpa tPjpapy; ,y. tHj;jf nraw;ghLfis Nrit nra;a Ntz;Lnkd;w 678/16 vd;w Kftupapy; gpujhd ikag;gLj;jpa ,lkhFk;. ,q;F Nehf;fj;jpy; Muk;gpf;fg;gl;lJ. fpisahf Muk;gpf;fg;gl;lJ. ghuk;gupakhf <Lgl;L tUk; fz;bapy; ,Ue;J nfhOk;G mjd; gpd;dH ,y. 677> ifj;njhopy;fSk; tPjpapy; fLfd;dht tiuAk; tpy;ypak; Nfhgy;yht khtj;ij> fhzg;gLfpd;wd. tpNrlkhf mLj;j gf;fj;jpy; fk;gis fz;b vd;w Gjpa Kftupapy; gpj;jis ifj;njhopy;> thj;jpaf; tPjpapy; ntypfy;y tiuAk;> ,d;W tiu jdJ ifj;njhopy; Mfpa fy`h tPjpapy; njy;Njhl;il nraw;ghLfis Kd;ndLj;J ifj;njhopy;fSk; ghuk;gupakhf tiuAk; jpfd tPjpapy; tUfpd;wJ. gpiuk; fpuhkpd; <Lgl;L tUtJld; ,tw;Wf;F njy;njdpa tiuAk; vkJ fpis tiyaikg;gpy; 10

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Mf;fk; - kQ;Rs gpughj; n`l;bahuhr;rp

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05

Rjj; tpky#upa

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gzj;ij gfpHe;J nfhs;tjw;F Kd;dH kfpo;it gfpHe;J nfhs;tJ Kf;fpak;


06

Mf;fk;kQ;Rs n`l;bahuhr;rp

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fUJtJ (Turning Point)

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Ntz;Lnkd epidf;Fk; gz;G cjtpfis nra;a Kbe;Js;sJ. vt;tpj f~;lKk; nfhLf;fhky;

vd;dplk; ,Uf;fpwJ. mt;thNw ruz epjp cjtp jpl;lk; cl;gl r%fj;jpw;F ed;ik gaf;Fk;

vt;tifahd gpur;rpidfs; nkn`tu epjp jpl;lj;jpd; fPo; tho;f;ifahFk;. njhopypy; ,Ue;J te;jhYk; mjid kdg;g+Htkhf Nehapdhy; Jd;gg;gLk; gyUf;F ,isg;ghwpaTld; vdf;nfd;W xU Vw;Wf; nfhs;Sk; jd;ikia cjtpfis nra;a Kbe;Js;sJ. rpwpa tpahghunkhd;iw tsHj;Jf; nfhs;s epidf;fpNwd;. ,jd; %yk; vkJ tho;f;ifAk; Muk;gpf;fyhk; vd;W

rpwg;ghf mike;Js;sJld; gyUf;F vjpHghHf;fpNwd;.

cjtp nra;fpNwhk; vd;w jpUg;jpAld; tho;f;ifia vdJ je;ijAk; jhAk;. mtHfs;

Kd;ndLf;ff;$bajhf cs;sJ. vkJ tho;f;ifapy; fw;Wf;

,t;thW r%f Nrit nra;tjw;fhd nfhLj;jit gy cs;sd. ehshe;j

tho;f;ifapy; Njhy;tpailAk; NghJ re;jHg;gk; fpilj;jikia ,l;L ehd;

ghlg;Gj;jfj;ij jpUg;gp ghHg;gJ njupT nra;j fpuhkpd; njhopy;

Nghy mtHfspd; Kd;khjpup vkf;F rupahdJ vd;gij jw;NghJ

ey;y mDgtq;fis ngw;Wf; czHfpNwd;.ePq;fs; tho;f;ifapy; nfhLj;jJ.

cq;fSila Kjy; fhjy; cq;fs;

tho;f;ifapy; Vw;gLj;jpa jhf;fk;:

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tplak; md;Nw epiwT ngw;Wtpl;lJ. uk;Ngh

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ghlrhiyapd; Kf;fpaj;Jtj;ij

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vdf;F ed;F njupAk;. mtUila

njhlHGld; N[hd; mkuJq;f mikr;riu re;jpj;J nghyp];

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mt;thNw njhopy; nra;J tUfpNwd;. ,iztjw;fhd fbjKk; xNu ,jw;fhf gy jpahfq;fis Neuj;jpy; fpilj;jJ. vd;d nra;Js;Nsd;. ,jdhy;> gy fhuzj;jpw;fhf nghyp]; njhopiy re;jHg;gq;fspy; vdf;F Njhy;tpAk;> iftpl;L gpiuk; fpuhkpd; njhopiy gpur;rpidfSk; Vw;gl;Ls;sd. NjHe;njLj;Njd; vd;W njupatpy;iy. ,d;W tiu mjid rup nra;J ,jd; %yk; tWikapy; cs;s nfhs;s Kbatpy;iy.

gyUf;F cjTtjw;fhd re;jHg;gk;

fpilj;Js;sJ. fpuhkpd; Clhf : tPby;yhky; ,Ue;j gd;dpuz;Lf;Fk;

Rgkq;fsk;

Rgkq;fsk;

Rgkq;fsk;

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Jrhu - jpypdpjk;gjpfSf;FJrhu - jpypdpjk;gjpfSf;F

Njhy;tp> jtWtpLjy;> ntw;wpaspf;fhik Mfpatw;iwf; fz;L mr;rk; nfhs;tJ kdepiy gytPdkile;jikahyhFk;


08

gpiuk; fpuhkpd; epWtdj;jpd; tUlhe;j nghJf;$l;lk; fle;j 17Mk; jpfjp gpiuk; fpuhkpd; Nfl;NghH $lj;jpy; eilngw;wJ. gpiuk; fpuhkpd; epWtdj; jiytH n[hdjd; my]; mtHfspd; jiyikapy; gzpg;ghsH rigapd; mq;fj;jtHfs; fye;J nfhz;l ,e;j nghJf;$l;lj;jpy; tpNrl mk;rkhf gpiuk; fpuhkpd; ikf;Nuh gpdhd;]; vd;w ngaupy; nraw;gl;L te;j epWtdk; vr;.vd;.gp. tq;fpAld; ,ize;J ,dptUk; fhyq;fspy; vr;.vd;.gp. fpuhkpd; igdhd;]; ypkpl;nll; vd kpfTk; tYthd epjp epWtdkhf Nritia njhlHtjw;F jPHkhdpf;fg;gl;lJ.

gpiuk; fpuhkpd; fpuhkpdhf vr;.vd;.gp. ngaH khw;wk;

vLj;Jf;fhl;il cq;fSf;F njuptpf;fyhk; vd;W epidf;fpNwd;.

toq;Fk; Kiwfs; toq;Fnkhd;W mtH fkyh fpuhkj;jpy; fhzg;gLtjhfTk; rpe;jpj;jhH. tho;e;j xU FWq;fhy mbg;gilapy; ,e;j vLj;Jf;fhl;bd; %yk; ngz;. Mts; 10>000 &gh fld; ngw;Wf; fld; ngWtJk; fld; jdJ ez;gpaplk; nfhs;s KbAnkd;gJld; toq;FtJk; rpf;fyhd ngw;w flid ,e;jf; flid xU tUl tplankd;gJ vkf;F nrYj;Jtjw;fhf fhyj;jpy; jpUg;gpr; nrYj;j Gyg;gLfpwJ. fpuhkj;jpy; Ntz;LnkdTk; $wpAs;shH. cz;ikahfNt> fld; ,Ue;j ,Utuplk; fkyhtpd; tpUg;gj;Jld; toq;Fk; NghJ flidg; tl;bf;F me;j mjpfhup fld; ngWgtUk; flid gzj;ijg; tpz;zgj;ij toq;fpdhH. toq;FgtUf;fpilapyhd ngw;Ws;shH. tpz;zg;gj;ijg; ngw;Wf; ntspg;gilj; jd;ik fztUf;F nfhz;l mtH jkJ vt;thwhdJ – fld; njupahky; ,e;j epWtdj;jpy; ,Ue;J xU toq;Fk; epWtdj;jpd; flidg; ngw;Wf; FOtpdH fkyhtpd; epge;jid> mjd; tl;b nfhz;l fkyh> tPl;Lf;F tUif jUthHfs; tPjk; fld; ngWgtupdhy; ,e;jf; nfhLf;fy; vd;Wk; me;jf; FO fld; flid jpUg;gpr; thq;fy; toq;FkhW rpghupR nrYj;Jtjpy; jhf;fk; njhlHgpy; nra;jhy; fld; toq;fg;gLk; nrYj;Jk; vd;gij fld; fztUf;F vd;W $wpAs;shH. flid ngWgtupf;F ntspg;gLj;j njupate;Js;sJ. rpghupR nra;Ak; FO Ntz;Lk;. Fld; ngWk; egH Fkyhtplk; ,J vd;dntd;W njupahj jhd; njhlHghfTk; jhd;

egH xUtH fld; xd;iw njhlHgpy; fkyh> mtUf;F njupe;j vjw;fhf fld; ngWfpNwd; ngWtJ Kjy; jpUg;gp tpdtpa fztH> vtNuhDk; ,Ug;ghHfs; vd;gij fld; toq;Fk; nrYj;Jk; tiuapyhd fkyhTf;F vr;rupj;Jtpl;L> vd;W epidj;J mq;fpUe;J epWtdj;Jf;F njuptpf;f nraw;ghLfs; ntspg;gilahf fld; ngw Ntz;Lnkd;why; nrd;Wtpl;lhH. ,J Ntz;Lk;. ,e;j tplak; fhzg;gl;lhYk; me;j VjhtJ tq;fpnahd;wpy; njhlHgpy; NkYk; mwpe;J cz;ikahf ,Uf;f nraw;ghl;il nra;tJ kpfTk; fld; ngWkhW mwpTWj;jp nfhs;tjw;fhf fld; Ntz;Lk;;. ,U ,yFthd tplankd;W $w As;shH. ,jd;gpwF rpghupR FOtpy; ahH egHfSf;fpilapyhd KbahJ. fld; ngWtJ Kjy; fztupd; mDkjpAld; ,Ug;ghHfs; vd;W me;j me;epNahd;a njhlHG flid jpUg;gp nrYj;JtJ cldbahf efupy; ,Ue;j mjpfhupaplk; tpdtpdhH. kw;Wk; ek;gpf;if fld; tiu gy;NtW fl;lq;fs; tq;fpnahd;Wf;F nrd;W mjw;F me;j mjpfhup tl;lj;ij fhzg;gLfpd;wd. ,it flDf;F tpz;zg; Fwpg;gpl;l tplak;jhd;> KOikg;gLj;Jtjw;F xt;nthd;WlDk; njhlHGila gpj;Js;shH. tq;fpf;F fld; toq;Fk; FOtpy; kpfTk; ,d;wpahj xd;whf Rw;wwpf;ifiag; Nghd;W nrd;w fkyh fld;gpupTf;F mtUf;F njupahjtHfNs fhzg;gLfpwJ. Fld; gazpf;Fk; Kiwahf ,e;j nghWg;ghd cj;jp tUif jUthHfs; vd;Wk; tl;lj;jpy; Fwpg;gplg;gl;l fld; nraw;ghl;il Fwpg;gpl Nahfj;jiu re;jpj;J $wpAs;shH. jhk; ,jw;F MW tplaq;fs; njhlHgpy; KbAk;. ,it gy;NtW mtrukhf gzk; Kd;dH re;jpj;jpuhj mLj;j thu ,jopy; gbKiwfshf Njitg;gLtjhf FOnthd;W jkf;F Mokhf Fwpg;gpl Kd;ndLf;fg;glyhk;. me;jg; $wpAs;shH. ePq;fs; ,jw;F vt;tpjk; fld; cs;Nshk;.gbKiwfis MW tifahf Kd;dH tq;fpapy; fld; ehk; gpupj;J ghHf;f KbAk;. ngw;Ws;sPHfsh vd me;j

mjpfhup Nfl;lTld; jhd; 1. tpz;zg;gpj;jy; ,jw;F Kd;dH fld; 2. kjpg;gpLjy; ngwtpy;iy vd;W 3. jPHkhdpj;jy; $wpAs;shH. vjw;fhf fld; 4. epHthfk; Ntz;Lnkd mtH tpdtpa 5. gupNrhjid nra;jy; NghJ jhd; ,uz;L 6. fld; toq;Ftij gRkhLfis

Kfhikj;Jtk; nra;jy; thq;ftpUg;gjhf $wpAs; (tiuglk; 01) shH. fkyhtpd; gjpiy

Nfl;l mtH re;Njh~ ,e;j fld; tl;lk; kile;j mtu;> epjp njhlHgpy; mwpe;J epWtdk; ,uz;L nfhs;tjw;F Kjy; fld; mbg;gilapy; fld; toq;Ftjpy; cs;s toq;fTs;sjhfTk; rpf;fy;fs; njhlHgpy; njuptpj;jhH. ePz;lfhy mwpe;J nfhs;s XH kw;Wk; FWq;fhy fld;

fld; tl;lk;fld; tl;lk;fld; tl;lk;fld; tl;lk;

(tiuglk; 01)

tpz;zg;gpj;jy; kjpg;gpLjy;

fld; toq;Ftij Kfhikj;Jtk; nra;jy;

fld; toq;Fk; egH

jPHkhdpj;jy;

Ma;Tnra;jy;

epHthfk;

ePq;fs; kw;wtHfis kjpf;fhj NghJ kw;wtHfs; cq;fis kjpf;fkhl;lhHfs;


gFjp 7ikf;Nuh fpubl; Kiwapd; Muk;gKk; eilKiwAk;

gpiuk; fpuhkpd; ikf;Nuh gpdhd;]; fk;gdpapd;Kfhikj;Jt gzpg;ghsH / gpujk epiwNtw;W mjpfhup

rkpe;j gpughj; mtHfSldhd NeHfhziy fPNo jUfpd;Nwhk;

Micro Finance vz;zf;fU rpwg;G ghHit

gzf; nfhLf;fy; thq;fy;> ,yhg el;lk; Nghd;w thHj;ijfs; tHj;jf nraw;ghLfspy; ehshe;jk; cr;rupf;fg;gLk; thu;j;ijg; gpuNahfq;fshFk;. tpahghunkhd;iw elj;Jtjw;F mt;thwpy;iyahdhy;> ehshe;j tHj;jf nraw;ghLfspy; ,e;j thu;j;ijg; gpuNahfq;fSf;F mg;ghy; nrd;W mq;fj;jtHfspd; eyd;fSf;fhf nraw;gLk; xU epWtdk; fhzg;gLkhapd; mt;thwhd mDgtq;fis vk;khy; epidj;Jg; ghHf;Fk; NghJ . . . tho;f;ifapy; Jd;gkile;j kf;fSf;F cjtpfis toq;Fk; NghJ cs;shHe;j uPjpapy; kfpo;r;rp Vw;gLfpd;wJ. nkn`tu cjtp epjpak; kdpjHfSf;F cjTk; Nehf;fj;JlNdNa Muk;gpf;fg;gl;lJ vd;gij ,q;F Fwpg;gpl tpUk;GfpNwhk;.gpiuk; fpuhkpd; fpis cj;jpNahfj;jHfspdJk; fpis mq;fj;jtHfspd; ed;nfhilapdhYk; Muk;gpf;fg;gl;l nkn`tu cjtp epjpak; ehlshtpa uPjpapy; Muk;gpf;fg;gl;Ls;s NghjpYk; vkf;F fpilf;fg; ngw;w E}w;Wf;fzf;fhd tpz;zg;gq;fspy; NjHe;njLf;fg;gl;l mq;fj;jtHfSf;F fle;j [{d; khjk; 172>700 &gh epjpia cjtpj;njhifahf toq;fg;gl;lJ. ,t;tpjk; cjtpfs; toq;fg;gl;ltHfspd; tpguq;fis fPNo jUfpd;Nwhk;.

09 2015 [{iy2015 [{iy

01. FUehfiy 07. ntd;dg;Gt fpis fpis

08. nkhul;Lit fpis02.

ehtyg;gpl;b fpis

09. ntypkilf; fpis

03. epf;ftnul;b fpis

10. tj;jis fpis04. epf;ftnul;b

fpis

11. vk;gpypgpl;b fpis

05. ePHnfhOk;G fpis

06. ePHnfhOk;G fpis

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ghjk; mfw;wg;gl;likahy; rf;fu ehl;fhyp thq;Ftjw;F

mq;fj;jtH: gP.V. uQ;rdpcjtpj;ngw;wtH: mq;fj;jtH: lgps;A.V. utPd; gP.[p. rkpyh(kfd;)cjtpj;ngw;wtH: cjtp ngw;w gP.[p. rkpyh fhuzk;: (mq;fj;jtH)itj;jpa rpfpr;irf;fhfcjtp ngw;w

fhuzk;: fLk; fhw;W kioapdhy; tPl;bd; xU gFjp Nrjkile;jik

mq;fj;jtH: vr;.V.v];. `pkhypmq;fj;jtH: cjtpj;ngw;wtH: lgps;A.V.re;uhtvr;.V.v];. jp`pkhyp cjtpj;ngw;wtH: (mq;fj;jtH)lgps;A.V.re;uhtcjtp ngw;w fhuzk;: itj;jpa jp (mq;fj;jtH) rpfpr;irf;fhfcjtp ngw;w fhuzk;: itj;jpa

rpfpr;irf;fhf

mq;fj;jtH: Nf.up. khupmq;fj;jtH: cjtpj;ngw;wtH: gP.vr;. re;jpupfhNf.up. khup cjtpj;ngw;wtH: (mq;fj;jtH)vd;.gP.vr;. cjtp ngw;w re;jpupfh fhuzk;: itj;jpa rpfpr;irf;fhf(mq;fj;jtH)

cjtp ngw;w fhuzk;: itj;jpa nryTf;F

mq;fj;jtH: Nf.v];. mNdh[h mq;fj;jtH: cjtpj;ngw;wtH: gP.V.vd;. Nf.v];. epNuh\pdpmNdh[h cjtpj;ngw;wtH: (mq;fj;jtH)Nùj; (fztH) cjtp ngw;w fhuzk;: itj;jpa cjtp ngw;w rpfpr;irf;fhffhuzk;: itj;jpa nryTfSf;fhf

mq;fj;jtH: Nf. ypyp khHfpul;cjtpj;ngw;wtH: Nf. ypyp khHfpul; (mq;fj;jtH)cjtp ngw;w fhuzk;: itj;jpa nryTf;fhf

2015 [{d;vr;.vd;.gp. fpuhkpd; gzpg;ghsH rigf;F Gjpa gzpg;ghsHfs; ,UtH epakpf;fg;gl;ldH.2015 [{d; khjj;jpy; ,Ue;J vr;.vd;.gp. fpuhkpd; gzpg;ghsH rigf;F Gjpa RahjPd gzpg;ghsHfshf fyhepjp v];.A.vr;. ngHzhe;J kw;Wk; V.v];.tpN[rpq;f Mfpa ,UtH epakpf;fg;gl;ldH.

03.06.205vr;.vd;.gp. fpuhkpd; fSj;Jiw fpisapd; jd;ryvr;.vd;.gp. fpuhkpd; fSj;Jiw fpis cj;jpNahfj;jHfspd; mDruizapy; fle;j [{d; khjk; 03Mk; jpfjp khiy 4.00 kzpf;F fSj;Jiw fpisf;F mUfpy; I];fpuPk; jd;ry; toq;fg;gl;lJ.

30'06'2015gJis gpuNjr fpupf;fl; Nghl;bapy; ntypkilf;F ntw;wpvr;.vd;.gp. fpuhkpd; gpdhd;]; ypkpl;nll; CopaH eyd;Gup rq;fj;jpdhy; tUlhe;jk; elj;jg;gLk; fpis mq;fj;jtHfSf;fpilapyhd fpupf;fl; Rw;Wg; Nghl;bapd; gpuNjr mzpfSf;fpilapyhd Nghl;b fle;j thuk; eilngw;wJ. ,jpy;> gJis gpuNjrj;jpy; eilngw;w Nghl;bapy; vr;.vd;.gp. fpuhkpd; ntypkil fpis mzp ntw;wp ngw;wJ. fpz;zq;fSld; tPuHfis glj;jpy; fhzyhk;.

29'06'2015gpiuk; fpuhkpd; ehd;fhz;L epiwit Kd;dpl;L . . .

gpiuk; fpuhkpd;

epWtd

ehd;fhz;L

epiwit

nfhz;lhLk;

tifapy; [{d;

khjk; 29Mk;

jpfjp

ehlshtpa

uPjpapy;

mike;Js;s

gpiuk; fpuhkpd;

fpisfspYk;

jiyikf;

fhupahyaj;jpYk;

gy;NtW rka

mD~;lhdq;fs;

eilngw;wd.

,e;epfo;Tfspy;

jiyikf;fhupah

yaj;jpYk;

fSj;Jiw

fpisapYk;

eilngw;w rka

epfo;Tfis

glq;fspy;

fhzyhk;.

ePq;fs; vjid vjpHghHf;fpwhHfNsh mjidNa epiwNtw;w KbAk;


“nkn`tu” cjtp epjpapypUe;J ed;ik ngw;wtHfs;. . .

nkn`tu cjtp epjpak; ,d;Dk; rpwg;ghf nraw;gLtjw;F cq;fsJ Mf;fg+Htkhd Nahridfis cs;thq;fg;gLtJld; cq;fSila fUj;Jf;fis 0710292018 vd;w njhiyNgrp ,yf;fj;Jf;F RNj\; ngNuuh vd;gtUf;F mDg;gp itf;fTk;.

10

j igdhd;rpay; `T]; xg; = yq;fhtpdhy; elj;jg;gl;l mk;rkhFk;. Vr;.vd;.gp. fpuhkpd; igdhd;]; epWtdj;jpdhy; cs;@H epjp epWtdq;fspd; fspahl;l tpoh fle;j [{iy epHkhzpf;fg;gl;l mofpa nfhl;bYf;fhd tpUij ngw;Wf; khjk; 11Mk; jpfjp KO ehSk; nfhOk;G GSk;gPy;l; nfhz;lik rpwg;gk;rkhFk;. epjp epWtdq;fSf;fpilapy; ikjhdj;jpy; kpfTk; rpwg;ghf eilngw;wJ. ,e;epfo;tpy; me;epnahd;a Gupe;JzHit fl;bnaOg;Gk; Nehf;fpy; ,e;j j igdhd;rpay; `T]; xg; = yq;fh mikg;gpy; Nghl;b fspahl;l epfo;T rpwg;ghf eilngw mq;fj;Jtk; ngw;w epjp epWtdq;fs; gy fye;J xj;Jioj;jikf;fhf vr;.vd;.gp. fphhkpd; igdhd;]; nfhz;ld. epWtdk; jdJ ed;wpia njuptpj;Jf; nfhs;tJld; ntw;wp fpupf;fl;> fug;ge;J> tiyg;ge;J> wfH Mfpa tpisahl;Lg; ngw;w rNfhju epWtdq;fSf;Fk; Nghl;bapy; gq;Fgw;wpa

Nghl;bfSk; Ez;epjp epWtdq;;fspd; moFuhzpAk; ntw;wpahsHfSf;Fk; ,ja g+Htkhd ed;wpiaj; (FHA queen) Nghl;bAk;> rpwe;j gilg;ghf;fj;ij njuptpj;Jf; nfhs;fpwJ.njupT nra;Ak; Nghl;bAk; eilngw;wik tpNrl

Ez; epjp epWtdq;fspd; vr;.vd;.gp. fpuhkpDf;Ffspahl;ltpohtpy; rpwe;j gilg;ghf;fj;Jf;fhd tpUJ

gpiuk; fpuhkpd; ikf;Nuh gpdhd;]; epWtd CopaHfspd; eyd;Gup rq;fj;jpdhy; tUlhe;jk; elj;jg;gLk; fpis mq;fj;jtHfSf;fpilapyhd fpupf;fl; Nghl;bapy; jiyikf; fhupahya mzpfspd; Nghl;b fle;j [{d; khjk; 20Mk; jpfjp nj`ptis v];.j.v];. [arpq;f ikjhdj;jpy; eilngw;wJ. gj;J mzpfs; gq;Fgw;wpa ,r;Rw;Wg; Nghl;bapy; ,Wjpg; Nghl;bapy; epjpg; gpupT mzp ntw;wp ngw;wJ. ,uz;lhkplj;ij epHthfg; gpupT ngw;Wf; nfhz;lJld; Nghl;bapd; tpWtpWg;ghd fl;lq;fis vkJ Gifg;glf; fiyQH ,t;tpjk; glk; gpbj;Js;sikia fhzyhk;.

glk;- gj;kFkhu / rkpe;j

2015 [{iy2015 [{iy

Nehf;fnkhd;W ,Uf;Fk; NghNj nghWg;Gfis epiwNtw;wyhk;


11

epWtdnkhd;wpy; gy;NtW njhlHgpyhd ePz;lfhy jpl;lq;fshf cs;slf;Fk; tifapy; jpl;lkply;fs; fhzg;glyhk;. ,jid $w KbAk;. eilKiwg;gLj;Jk; jpl;lkhf ,jidf; mtw;iw gpd;tUkhW tifg;gLj;j FWq;fhy jpl;lk; (Short Term Plan) $wyhk;. ,it kPz;Lk; kPz;Lk; KbAk;. xU tUlj;jpw;Fk; Fiwthd jpl;lq;fis eilKiwg;gLj;jg;gLk;.01. ePz;lfhy mbg;gilapy; FWq;fhy jpl;lq;fs; vd mwpKfg;gLj;j

nraw;jpwdhd jpl;lkply; (Strategic Plan) KbAk;. 05. jpl;lkplypd; nraw;ghl;L gbKiw (Steps xU epWtdj;jpd; my;yJ mjd; ,yf;F 03. epfof;$ba mbg;gilapy; (Specificity) in the Planning Process) jpl;lkply; kw;Wk; cw;gj;jpia Nehf;fp mwpTWj;jy; jpl;lkply; (Directional Plan) nraw;ghl;L gbKiw xd;gJ eilKiwg;gLj;jg;gLk; jpl;lj;ij ,J rhjhuz kw;Wk; nghJthd fl;lq;fisf; nfhz;lJ. mitahtd>Fwpf;Fk;. ,r;nraw;ghlhdJ caH topKiwAldhd jpl;lkpliyf; Fwpf;Fk;. gjtpapy; ,Uf;Fk; KfhikahsHfspd; ,jpy; ,yf;F fhzg;gl;lhYk; mjid 01. jpl;lkpliy milahsg;gLj;jy; (Goal gq;fspg;Gld; jpl;lkplg;gLk;. rupahf Fwpg;gpl KbahJ. cjhuzkhf Formulation)xU tUlj;jpw;Fk; Nkyhd mLj;j 05 tUlj;jpy; epWtdj;jpd; 02. Nehf;F kw;Wk; nraw;jpwid fhyg;gFjpiaf; nfhz;bUf;Fk;. tpw;gid 10%-25% tPjkhf mjpfupf;f mwpKfg;gLj;jy; (Identification of current ePz;lfhy jpl;lkhf Muk;gpf;fg;gLk;. Ntz;Lnkd cj;Njrpf;Fk; jpl;lkhFk;. objectives & Strategy)Nehf;F kw;Wk; ,yf;F vd;gd ,jpy; epfof;$ba jpl;lk; (Specific Plan) 03. #oiy gFg;gha;T nra;jy; jPHkhdpf;fg;gLk;. Nehf;fj;ij rupahf Fwpg;gplf;$ba (Environment Analysis)

jpl;lnkd mwpKfg;gLj;j KbAk;. ,J 04. tsq;fis gFg;gha;T nra;jy

ve;jnthU epWtdKk; mLj;jhz;by; (Resources Analysis) jdJ tpw;gidia 25tPjkhf nraw;ghl;Lj;jpl;lk; 05. re;jHg;gk; kw;Wk; ,ila+Wfis mwpe;J mjpfupg;gij Nehf;fhff; nfhz;L Nehf;F kw;Wk; ,yf;if miltjw;fhd nfhs;sy; jpl;lkply;fis nra;tij cjhuzkhf Kiwfs; njhlHghf rupahd jfty;fis 06. ,ilntspia gFg;gha;T nra;jy; (Gap $wyhk;.ntspg;gLj;JtNj nraw;ghl;Lj; jpl;lkhFk;. Analysis)

04. mbf;fb Vw;glf;$ba mbg;gilapy; nraw;ghl;Lg; Kfhikahsupdhy; 07. nraw;jpwid njhlHgpy; jPHkhdk; (Frequency of Use)eilKiwg;gLj;jg;gLk;. FWfpa fhyj;jpy; vLj;jy; (Strategic Decision Making)xU jlit khj;jpuk; nraw;gLj;Jk; epiwNtw;wg;glf;$baJ. khjhe;jk;> thuhe;jk; 08. nraw;jpwid eilKiwg;gLj;jy; jpl;lk; (Single Use Plan) kw;Wk; ehshe;jk; Nkw;nfhs;Sk; (Strategic implementation)xU jlit khj;jpuk; nraw;gLj;Jk; nraw;ghLfs; ,e;j jpl;lj;jpy; 09. epHthfk; kw;Wk; nraw;jpwid mstPL jpl;lkhf ,jid mwpKfg;gLj;jyhk;. cs;sf;fg;gLk;. Nehf;F kw;Wk; ,yf;if nra;jy; (Measurement and Control of mt;thwhapd; VjhtJ tpNrl miltjw;fhd Kiwfs; eltbf;iffs; Progress)jpl;lnkhd;iw nraw;gLj;Jtjw;fhf njhlHgpy; ,j;jpl;lj;jpy; khj;jpuk; cUthf;fg;gLk; jpl;lq;fis cs;slf;fg;gl;bUf;Fk;.\Fwpg;gplyhk;.02. fhyj;jpd; mbg;gilapy; (Time Frame)epiyahd jpl;lkply; (Standing Use Plan)ePz;lfhy jpl;lk; (Long Term Plan)epWtdj;jpd; rfy nraw;ghLfis xU tUlj;jpw;Fk; $Ljyhd jpl;lq;fs;

jpl;lkply; tif (Types of Plan)

jpl;lkply; tif (Types of Plan)

epWtdnkhd;wpd; Nrkpg;ig jPHkhdpf;Fk;epWtdnkhd;wpd; Nrkpg;ig jPHkhdpf;Fk;

2015 [{iy2015 [{iy

Njhy;tpailtjw;F gpujhd fhuzk; re;Njfk; kw;Wk; mtek;gpf;ifahFk;


ghfk; 18 ghfk; 18

tHj;jf mYty;fs; kw;Wk; mjDld; ,ize;j Nritfs;tHj;jf mYty;fs; kw;Wk; mjDld; ,ize;j Nritfs;tHj;jf mYty;fs; kw;Wk; mjDld; ,ize;j Nritfs;tHj;jf mYty;fs; kw;Wk; mjDld; ,ize;j Nritfs;

re;jnfYk; [aJq;f>fzf;fhsH>gpiuk; fpuhkpd;ikf;Nuh gpdhd;]; ypkpl;nll;.

khl;bq

;

,q;F ,Ue;jjpYk; miuthrp . . .!vd;d jtW ruj; mJkhjpupahd Ms;,q;fs;s ghukhd Ntiyfis jhq;f Kbahky; ,Ue;jpUf;Fk; . . .

`;k; `k;.

ngupa Jiwaplk;

fijj;J ghUq;fs;

Ntiy thq;f

khl;Nld; kr;rhd; . . .

cq;fis Fk;gpLfpNwd;. .

gfy; Ntiy vLj;jhy; guthapy;iy

,uitf;F ghukhd Ntiy vLf;f

Ntz;lhk; Jiw ,`;`;`;

vd;d cq;fSf;F igj;jpakh? .. .

,uT my;y Xa; gfypYk;

khl;bdplk;

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Mdhy;> mg;gbnad;why;

vk;ktH ,uT ,uthf

Ruq;fk; Njhz;Lthuhf ,Uf;Fk;...!

12

jpU. Vuq;f =khy; [{iy 16 kjthr;rpjpU. ept;ld; G~;gFkhu [{iy 16 k`paq;fidjpU. Re;jUtd; jp]hehaf;f [{iy 16 k`paq;fidjpU. Rde;j nkd;b]; [{iy 17 jiyikafk;jpU. kJ[pj; gpupaq;fu [{iy 17 mk;yhq;nfhiljpU. arpj rhe;j [{iy 17 nkhduhfiyjpU. te;j Fkhu [{iy 18 N`hkhfkjpU. rk;gj; fUzhuj;d [{iy 18 nkhduhfiyjpU. vue;j tpjhdNf [{iy 19 khj;jiwjpU. Nf. Rg;ukzpak; [{iy 19 EtnuypahjpU. jdQ;ra Fkhu= [{iy 19 kj;JfkjpU. Rfj; gz;lhu [{iy 20 efuf;fpisjpU. ge;Jy mNgtpf;uk [{iy 20 ntypkiljpUkjp. TfP]h mNgtpf;uk [{iy 20 jiyikafk;jpU. Ruq;f ypad;njdpa [{iy 20 k`paq;fidjpU. ,e;jpf KjypNf [{iy 21 n`huidjpU. kNdh[; = gz;lhu [{iy 21 gJisjpU. fhkpdp Muparpq;f [{iy 22 jiyikafk;jpU. =ehj; Nùj; [{iy 22 epf;ftnul;bjpU. mEu jdQ;ra [{iy 23 epf;futnul;bjpU. mEuFkhu [{iy 23 nghyd;dWitjpU. vuq;f jahde;j [{iy 23 mtp];]htisjpU. rptehafk; arhe;j; [{iy 23 kl;lf;fsg;GjpU. fky; gpupajH~d [{iy 24 jiyikafk;jpU. v];. TpNtfhde;jd; [{iy 24 Ky;iyj;jPTjpU. rpNdj; jpyP]h [{iy 24 nkhul;LitjpU. gpughj; kJrq;f [{iy 25 khj;jiwjpU. Nfhbj;Jtf;FNf gpupae;j [{iy 25 `k;ghe;Njhl;iljpU. ~Hdf Uf;~hd; [{iy 25 Fuehfy;jpUkjp. urP N`~hdp [{iy 26 ngypaj;ijjpU. epNuh~d; jHkgpupa [{iy 27 Fspahgpl;bjpU. Rkpj; gpupae;j [{iy 27 jiyikafk;jpU. rQ;ra ngNuuh [{iy 27 fe;jsha;jpU. nfYk; rj;Juq;f [{iy 27 ntd;dg;GtjpU. cjhu gz;lhu [{iy 28 Gj;jsk;jpU. Rjpj [arpq;f [{iy 28 epl;lk;GtjpU. Rnkj ngHzhe;J [{iy 29 mk;ghiwjpU. Uf;~hd; nfYk; [{iy 29 ntd;dg;GtjpU. rhù rk;gj; [{iy 30 ntypkiljpU. Vl;tpd; yjPg; [{iy30 ky;yhtpjpU. rQ;rPt Ruq;f [{iy 30 nkhul;LitjpU. jD~;fu jpyd;f [{iy 30 mEuhjGuk;jpU. Uf;~hd; ngNuuh [{iy 31 khj;jiwjpU. gpufh~; FzNrf [{iy 31 mtp];]htisjpU. GGJ rpe;jf [{iy 31 vk;gpypgpl;bjpU. N`khy; Nj~g;gpupa Mf];l; 01 EtnuypajpU. FkhuNrd; tfPrd; Mf];l; 01 ky;yhtpjpU. cGy; rhe;jFkhu Mf];l; 02 nghj;Jtpy;jpU. mEu yf;rpwp Mf];l; 02 ngypaj;ijjpU. vy;. u[Pt; Mf];l; 02 ky;yhtpjpU. Yf;~pf kJ[Pt Mf];l; 02 gJisjpU. re;jpuNrfud; fpwprhe;jd; Mf];l; 02 EtnuypahjpU. yypj; j rpy;th Mf];l; 03 EtnuypahjpU. vk;. <];tud; Mf];l; 03 kl;lf;fsg;GjpU. tp];t jpy;~hd; Mf];l; 03 rpyhgk;jpU. ,~hd; uzrpq;f Mf];l; 03 fy;fKtjpU. V.MH.vk;. [k;rpj; Mf];l; 04 nghj;Jtpy;jpU. lgps;A.Nf.V. gpupaq;fu Mf];l; 05 ngypaj;ijjpU. Rjj; Fzuj;d Mf];l; 05 ehtyg;gpl;bjpU. N[.mgpN~f; Mf];l; 05 Fspahgpl;bjpU. tp];t ngNuuh Mf];l; 06 jiyikafk;jpU. Nahfehjd; RjHkd; Mf];l; 06 mk;ghiwjpU. jp]u re;jUtd; Mf];l; 04 khj;jiwjpU. khjt gpNukuj;d Mf];l; 07 fy;fKtjpU. jpyhd; mEugz;lhu Mf];l; 07 nkhduhfiyjpU. gp. jpyNf];tud; Mf];l; 08 fpspnehr;rpjpU. rdj; ee;jd Mf];l; 08 k`paq;fidjpU. rhdf kJuq;f Mf];l; 08 N`hkhfkjpU. rhdf gj;jpud Mf];l; 08 rpyhgk;jpU. J~hu rQ;rPt Mf];l; 08 kj;JfkjpU. [Df gz;lhu Mf];l; 09 nghyd;dWitjpU. ep~he;j gz;lhu Mf];l; 09 fz;bjpU. ukPj rpy;th Mf];l; 09 ntd;dg;GtjpU. fkhu gPup]; Mf];l; 09 nkhul;LitjpU. y`pU rj;Juq;f Mf];l; 10 fe;jsha;jpU. y`pU Jyhd; Mf];l; 10 fSj;JiwjpU. yypj; tre;j Mf];l; 12 `k;ghe;Njhl;iljpU. Ruq;f [ayhy; Mf];l; 12 nghyd;dWitjpU. jpfhA rpj;uNrd Mf];l; 12 fSj;JiwjpU. kNf~; Fkhu Mf];l; 13 jiyikafk;jpU. Mrpup cjaFkhu Mf];l; 13 mtp];]htisjpU. jpUr;nry;tk; Mf];l; 13 EtnuypahjpU. mrq;f ,e;jpf Mf];l; 13 mk;gyhq;fnfhiljpU. cNj~; `~hd; gPup]; Mf];l; 13 ePHnfhOk;GjpU. enu~; ngHzhe;J Mf];l; 14 ePHnfhOk;GjpU. mkpy Gj;jpf Mf];l; 14 ePHnfhOk;GjpU. Nf. fhe;jPgd; Mf];l; 14 jpUNfhzkiyjpU. rk;kpf FztHjd Mf];l; 14 mEuhjGuk;jpU. [Hd; re;Jf Mf];l; 14 `k;ghe;Njhl;il

gpizahsHfs; ,y;yhj vspikahd Kiwapdhy; vk; Nghd;w rpwpa tpahghupfSf;F ghupa epthuzkhFk;

gpj;jis cw;gj;jpfSf;F gpypkj;jyht gpurpj;j ngw;w ,lkhFk;. gpypkj;jyht> fpupthTyit trpg;gplkhff; nfhz;l rPjh `hkpd;dtpd; fztH ghuk;gupakhf gpj;jis njhopypy; <Lgl;L tUk; FbkfdhFk;. rPjh `hkpNd jkJ tpahghu tho;f;if njhlHgpy; gpiuk; fpuhkpd; epWtdk; toq;fpa gq;fspg;G njhlHgpy; ,t;tpjk; tpsf;FfpwhH. ehk; gpj;jis cUf;Fjy; cl;gl rfy gpj;jis NtiyAk; nra;J tUfpNwhk;. gpj;jis tpsf;F> kyHnfhj;J> ghj;jpuq;fs; Mfpa cw;gj;jp nra;ag;gLfpd;wd. fz;bapy; ,Ue;J nfhOk;G> fjpHfhkk; tiuAk; vkJ cw;gj;jpfs; tpw;gid nra;ag;gLfpd;wd. vd;dplk; MW NgH njhopy; Gupfpd;wdH. tpw;gid mjpfkhd

ehl;fspy; 20 - 30 NgH tiu njhopy; Gupe;j re;jHg;gKk; cz;L. ,e;jj; njhopYf;F ehshe;jk; gzk; Njitg;gLfpwJ. mt;thwhd re;jHg;gj;jpy; tpiuthfTk; ,yFthfTk; fld; ngwf;$ba ,lnkhd;W ,Ue;jhy; vk; Nghd;wtHfSf;F ifj;njhopiy nra;tjw;F ,yFthf ,Uf;Fk;. Vnddpy; tq;fpapy; fld; vLg;gnjd;why; nrhj;J> gpizahsHfis Njbr; nry;y Ntz;Lk;. mt;thwhd epiy fhzg;gLk; re;jHg;gj;jpy; gpiuk; fpuhkpd; epWtdk; fld; toq;Fk; NghJ gpizahsHfs; ,d;wp vspikahd Kiwapdhy; vk; Nghd;w rpwpa tpahghupfSf;F ghupa epthuzkhFk;. ehd; fpuhkpd; epWtdj;jpy; 2004Mk; Mz;L ,ize;J nfhz;Nld;. md;wpypUe;J ,d;W tiu vdJ tpahghuj;Jf;F Njitahd epjpia Njitahd NghJ toq;fpaJ gpiuk; fpuhkpd; epWtdkhFk;.

v];.V.rPjh `hkpNd fpupthTy gpypkj;jyht

“Kd; mDgtKs;s ez;gHfSlDk; vr;.vd;.gp.AlDk; ,ize;JtYthd fpuhkpd; epWtdk; vkf;F ,d;Dk; ghupa rf;jpahFk;.''

moFf;fiy vd;gJ mNdfkhf Nkdpia myq;fupg;gJ vd;why; kpifahfhJ. ~hkyp Ruq;fpfh “rY}d; ~kp” vd;w ngaupy; Mu;gpf;fg;gl;l mtupd; epWtdk; ,d;W tiu mtHfspd; tpahghuj;Jf;F gy tifapYk; xj;Jiog;G toq;fpa fpuhkpd; Ez; epjp fld; jpl;lkhFk;. mtHfspd; tsHr;rpf;F fpuhkpd; epWtdk; toq;fpa gq;fspg;G njhlHgpy; ~hkyp toq;fpa fUj;Jf;fis fPNo jUfpd;Nwhk;.

kzg;ngz; myq;fhuk;> jiyKb ntl;Ljy;> tbtikj;jy; Nghd;w moFf;fiyfs; ,q;F nra;ag;gLfpd;wd. ehDk; vdJ fztUk; ,ize;J Muk;gpj;j ,e;j ifj;njhopy; ,d;Dk; rpwg;ghf nra;tjw;F Njitahd cgfuzq;fis nfhs;tdT nra;tjw;F fpuhkpd; epWtdj;jpd; Ez;epjp fld; jpl;lk; vkf;F ghupa Jizahf ,Ue;jJ.

ehd; ,e;j ifj;njhopiy Muk;gpf;f Kd;dH rpy;yiw filnahd;iw elj;jp te;Njd;. mjw;fhf ehd; me;jf; fhyg;gFjpapy; 25>000 &gh fld; ngw;Nwd;. mjd; gpwF ,e;jj; njhopiy Muk;gpj;Njd;. md;W NghyNt ,d;Wk; ez;gdhfTk; ek;gpf;iff;Fupa epWtdkhfTk; fpuhkpd; epWtdk; ,Uf;fpd;wik ghupa rf;jpahFk;.

~hkyp Ruq;fpfh> rY}d; ~kp

%yg;nghUl;fis nfhs;tdT nra;a Kbahky; ,Ue;j NghJfpuhkpd; epWtdj;jpy; ,ize;jTld; jPHT fpilj;jJFy;> kzy; ,y;yhj Rj;jkhd muprp re;ijf;F

te;jTld; efuq;fSf;F mz;ikapy; cs;s mNdf

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