MzSRLM Financial Inclusion

FINANCIAL INCLUSION

A AWMZIA/THILTUM :

MzSRLM hnuaia Self Help Group Member te hi a tlangpuiin thingtlanga che nu harsa ve te te te an ni a, eizawnna hrang hrang dapin sum an la lut a, chung an sumhnar te chu tun dinhmun aia nasa zawka an kalpui a, an lakluh a pun theihna atan an eizawnna pui turin Sum an mamawh a, chung an sum mamawh te an hmuh theihna atan leh an sum lakluh te an khawl khawm a, an nakin hun atan a an dah theihna turin Sum bawm rinawm leh bo thei lo an mamawh a, chu chu Bank, Village Organization leh SHG te an ni.  VO leh SHG chu an kawtkai maiah MzSRLM in a chhawp chhuah sak tawh avangin, heng an mamawh pathum te zingah hian an tana tha ber leh rintlak ber mai chu Bank a ni a, khaw kil khawr tak taka awm te tan bank dawr a hare m avangin awlsam taka Bank tangkaina an chhawr theihna atan Lei (Bridge) chu MzSRLM in Bank te nena thawk hovin a dawhsaka, heti anga Sum Bawm dawr theihna tura kawng kawhhmuh a kaihhruai a, an neih tur ang neih tir hi FINANCIAL INCLUSION in a tum ber chu a ni.

SELF HELP GROUP CORPUS

Member Saving (Kartin Sumkhawl)

+

Interest earning by SHG from on-lending (Sum an pukchhuah tir atanga Interest an hmuh tawh zawng)

+

Revolving Fund

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Income from other sources (Thildang atanga hmuh)

TYPES OF LOAN

SHG ten heti ang Loan hi an la thei :

1.       Term Loan

2.       Cash credit loan

Dahkham (Security/Mortgage)

MzSRLM hnuaia SHG te tan Rs. 10,00,000/- thleng loan ah dahkham a awm loving, hei hi RBI in circular a chhuah nghe nghe a ni. Tin, Loan lakna a tana hman tur eng deposit mah a awm loving.

SHG Bank Loan la thei te :

1.       Thla 6 tling chin Zawm ngei ngei tur 5 te zawmkim in an la thei ang.

2.       SHG tlu chhe tawh din thar leh te chu thla thum an tlin a, zawm tur pang ate an zawm chuan.

3.       NABARD in a siam Grading Sheet hmanga grade a tling te.

BANK LOAN AMOUNT

Interest puihna : SHG ten Bank Loan an lakah Rs. 3,00,000/- thleng  hlah miah lova an rulh chuan interest an chawi 7% chung lam zawng rulh let leh tur a ni ang, Bank in an tuk angin an rul anga, an rulh zawhah he Interest Subvention hi Bank in SRLM/NABARD ah a claim sak anga, chumi chu SHG a pek let leh tur a ni ang.

INSURANCE : SHG Member a nei thei chin zawng te chuan Mimal Bank Account/Insurance leh Pension scheme te neih vek tur a ni.

BUSINESS CORRESPONDENCE : MRB hnuaiah Khaw hrang hrangah Business Correspondence dah a ni a, an ni kal tlang hian khaw hrang hrang Bank dawr harsat khua ten an khaw hmunah Bank Deposit/Withdraw/Transaction an ti thei a ni.

Tun dinhmunah Saipum leh Phainuam ah BC an awm mek a, Saiphai, N.Chhimluang, Rengtekawn, Meidum leh Buhchangphai khuaah te BC hi dah tum leh mek a ni.

FI Cadres :

Bilkhawthlir RD Block chhung VO zawng zawngah FI Cadres dah an ni a, an ni hian Bank dawr chung changah nasa takin khaw mipui te an pui dawn a ni.

FI Cadres kaihhruaina tlangpui :

1.       FI Cadres te hi VO huam chhunga SHG Members an ni tur a ni a, VO ten BMMU Staff te puihna in Written leh Personal Interview neih pui a thlan tur a ni.

2.       FI Cadres te hi Bank Facilitator/BC/FL CRP a chhawr theih an ni ang.

3.       A awmna VO nen agreement siamin hna an thawk thei ang.

4.       FI Cadres te hian lehkhabu 3 an vawng ang.

5.       VO ah thlatin Report an pe thin ang.

6.       FI Cadres te hi SRLM in a duan hmangin an hnathawh a zirin lawman pek tur an ni.

7.       Bank account hawn/Loan lak chung chang leh Insurance ah VO tan mawh an phur ang.

FI SUB-COMMITTEE :

1.       Member 3-5 an ni tur a ni.

2.       Thla tin vawi khat tal meeting neiin,  CIF leh Bank loan Report VO Committee ah an pharh thin ang.

3.       FI Cadres te hnathawh dan report leh hmalak dan tur report thlatin VO ah an pe thin ang.

4.       CIF leh Bank Loan dilna thlatin VO ah an pharh thin anga, hemi buaipui tur hian FI Cadres emaw Community Facilitator te an ruai thin ang.

5.       MCP Plan leh Cost Benefit analysis te zirchiangin VO ah an pharh thin ang.

6.       Report hi BMMU ah an submit thin ang.

7.       SHG ten CIF leh Bank Loan an hman dan chhu zuiin, verification report VO Meeting ah thlatin an pe thin ang.

8.       FI Cadres ruaiin heng te hi thla tin VO ah report pek thin tur a ni :

(1)    Bank Loan Application.

(2)    CIF Loan Application,

(3)    Loan Sanction.

(4)    Loan pekchhuah (Disbursement)

(5)    Loan application Reject.

(6)    Loan rulhdan (Repayment)

(7)    Overdue emaw NPA (Non-Performance Report)

9.       Heng lehkhabu te hi an vawng ang :

(1)    SHG Bank Linkage Register.

(2)    SHG Bankk Loan Repayment register.

(3)    CBRM Meeting Report register.

(4)    Register tul dangte.