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माइक्रो फ़ाइनेंस क्या है – What Is Micro Finance ? Hindi Me
माइक्रो फ़ाइनेंस क्या है – What Is Micro Finance ? Hindi Me
Micro Finance –माइक्रोफाइनेंस :- Micro Finance Ke अंतर्गत Jaroorato Ko Dhyan Me Rakhte Hue Garamino Ki Janta Ko Choti Choti Vitiya Suvidhaye Muheya Karane Ki Vyavshtha Ki Jati Hai Jo Unke Liye To Kafi Faydemant Hoti Hai Is Tarah Ki Suvidha Rojagar Utapan Karne Ki Darsti Se Atayant Important Hai
Micro Finance Ke Tahat Di Jane Wali Help Kisi Business Example Tailring, Kheti, Doodh Daiyri, Potari, Palti, Aadi Ke Liye Ya Kisi Dosri Jaroorat Ke Liye Di Jati Hai Isme 1000 Rupess Se Lekar 50000 Tak Loan De Diya Jata Hai, Is Loan Ko Week Ya Month Ke Aadar Pr Wapas Kiya Jata Hai Hai Yah Ek Aasan Se Process Me Milne Wala Loan Hai Yah Kisi 1 Person Ya Group Ko Diya Jata Hai
Yah Aam Baat Hai Ki Jo Garib Ya Anpad Hai Unhe Jaydatar Loan Ki Jankari Ke Bare Me Thik Tarike Se Pta Nhi Hota Hai Or To Or Vo Kisi Bank O Dara Di Jane Wali Shuvidhao Ka Fayada Bhi Nhi Uta Pate Hai
Is Liye Micro Finance Ke Tahat Na Sirf Usko Loan Diya Jata Hai Balki Iske Sath Loan Dene Wale Ko Iski Poori Jankari Bhi Di Jati Hai Jese Ki Itne Ka Loan Aapne Liya Or Kese Aapko Repayment Krna Hoga Uski Poori Janakri Di Jati Hai
Important Baat Yah Hai Ki Micro Finance Loan Me Wasooli Ki Dar Matlab Micro Fimance Ka Intrest (Byaz) 90% Se 95% Se Bhi Jyda Hai Yah Is Baat Ki Pusti Krta Hai Ki Yah System Bade Acche Se Kam Kr Rha Hai
Micro Finance Ka Intrest (Bayz) Yadi Aap Microfinance Se 10000 Ka Loan Lete Hai To Aapko 9% Se 10% Ka Intrest Lgta Hai Agar Micro Finance Ke System Ke Mutabik Mahine Ka Intrest 10000 Pe 950 Rupess Se Lekar 1000 Rupess Tk Sayad Dena Hoga Yani Aap 10000 Ka Loan Lete Hai To Aapko Next Month 11000 Tk Ka Bhugtan Krna Hoga
Yahi Microfinance Khalata Hai Micro Finance Ki Defination Yhi Hai Ummed Hai Aap Microfinance Ka Means Samaj Chuke Honge Agar Is Post Me Kuch Microfinance Se Related Kuch Galti Hoti Hai To Maaf Kijiye
Next Step To Micro Finance
यहाँ भारत में हमें माइक्रो-लोन की आवश्यकता क्यों है:-
Why Need Micro Finance Loan In India ? Jab Bharat Vittaposhan Ki Baat Karta Hai, To Bharat Ki Abadi Kabhe Bhi Bure Tareke Se Prabhavit Nahi Hue Hai. Bank Aur Any Vitteey Sangathan Shuroo Mein, Bank Aur Kyi Any Sangathan Samany Abadi Ke Lie Sevae Banane Mein Saksham The. Halanki, Unpad Desh Ke Vikas Mein Ek Badi Baadha Hai, Bahut Se Log Apane Paise Kholane Ke Dar Se Bainking Sevaon Tak Pahunchane Se Door Hote Hain. इस स्थिति ने जन्म दिया जिसे हम ‘माइक्रो फाइनेंसिंग‘ कहते हैं
Micro Finance यह क्या है?:-
What is Micro Finance Un Logon Ko Chhote Paimaane Par Vitteey Sevaon Pradaan Karane Kee Prakriya Hai Jaise Ki Rn, Rn, Bachat Aur Itane Par, Jo Bainking Sevaon Ka Sanchaalan Nahin Kar Sakate Hain. Vibhinn Sansthaen Hain Jo Kam Keemat Ke Lie Sevaon Ka Adhigrahan Karane Ke Ichchhuk Logon Ko Chhote Aur Madhyam Rn Pradaan Karatee Hain.
Vaastav Mein, Sookshm Vitt Kee Upasthiti Bhaarat Mein Itanee Majaboot Hai Ki Bahut Se Log Udhaar Aur Rn Lene Ke Lie Anaupachaarik Samooh Banaate Hain Aur Maanate Hain Ki Ekamaatr Tareeka Hai Jisase Ve Apanee Bachat Ka Utpaadak Upayog Kar Paenge.
Gareebee Hee Vah Kaaran Hai Jisase Log Vitteey Sevaon Ka Kharch Nahin Utha Sakate. Jo Log Jeevan Ke Paatr Charan Mein Shiksha Haasil Karane Mein Asamarth The, Ve Ya To In Sevaon Ke Baare Mein Jaagarook Nahin Hain Ya Unhen Samajh Rahe Hain
Mein Asamarth Hain.ye Aise Vyavasaay Hain Jo Bahut Adhik Bhugataan Nahin Karate Hain Aur Isalie Jeevan Jeene Ke Lie
Ek Maamoolee Raashi Kee Anumati Dete Hain.
Kaee Baar, Vyaktiyon Ke Paas Uchit Pahachaan Pramaan Ya Vaarshik Aay Kee Ek Nirdhaarit Raashi Nahin Hotee Hai. Unake Vyaavasaayik; Aay Prakrti Mein Adhik Mausamee Hai Isalie Sthir Aay Kee Kamee Hai. Micro Finance Rn Isalie In Tathyon Ko Dhyaan Mein Rakhakar Banae Gae The.
So Nbfc Pharm Aur Kuchh Chhote Sangathan Chhote Rn Vaale Logon Ko Pradaan Karate Hain Jo Ek Vyakti Apanee Aay Ke Saath Aasaan Bhugataan Kar Sakate Hain, In Chhotee Maatra Mein Rn Unhen Apane Jeevan Ko Badhaane Kee Anumati Deta Hai.
Pichhale Dashak Mein Vibhinn Sookshm Vittaposhan Vikalp Vikasit Hue Hain. Sansthaen Aur Svayan Sahaayata Samooh Jaise Anaupachaarik Sangathan Logon Ko Pradaan Kar Rahe Hain, Vishesh Roop Se Graameen Kshetr Mein Rahane Vaale Logon Ko Kam Byaaj Dar Par Sasta Rn Ke Saath.
Jo Vyakti In Rnon Ka Laabh Uthaate Hain, Unake Haathon Mein Adhik Sansaadhan Hote Hain, Micro Finance Unhen Sahee Dhanaraashi Pradaan Karata Hai, Jisaka Upayog Ve Vyavasaay Shuroo Karane Ke Lie Kar Sakate Hain, Apane Bachche Kee Shiksha Ke Lie Nidhi Kar Sakate Hain Ya Apane Jeevan Ko Behatar Bana Sakate Hain. Yah Unake Jeevan Star Ko Behatar Banaane Mein Madad Karata Hai.
Bhaarat Dheemee Gati Se Sthir Gati Se Vikasit Ho Raha Hai, Agar Ham Graameen Aur Shaharee Ke Saath-saath Nimnalikhit Aur Uchch Aay Vaale Logon Ke Beech Kee Khaee Ko Band Karana Chaahate Hain, To Vitteey Samaaveshan Samay Kee Aavashyakata Hai.
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