Financial Education/ Financial Management leh a behbawm

Mizo mipuiten kan mamawh em em nia ka hriat ṭhin, Financial Education chu chanchinbu kal tlangin naupang zirlaibuahte telh a ni dawn tih kan lo hria a. Hei zet chu Mizote mamawh chhhanna a va ni tehlul em. Bible-ah te a awm dah law maw tiin ka zawng var a, ka rin ang ngeiin, a lo awm lo tak tak a! Mithiam zawkte cho chhuah nan pawh a tha mahna?

Mizote hi khawvel hma-sawnna kawngah chuan kan ṭhang chak em em a. A chhan tam tak zingah zirna lama hma kan sawn vang te leh, Krtistian State kan nih vang nite hian ka hre ṭhin. Chutih rualin kan hmasawnna hi a ko kim lo riaua hriatna erawh ka nei ṭhin. 'Hnung lama sa barh' an sawi ang deuhin, sorkarin Financial education chu, sikul naupang zirlaibu-ah dah turin ruahmanna a kalpui ta hlauh mai a ni.

Financial management/ financial education lamah chuan Mizote hi kan la hniam hle niin alang. Entirnan: Kan mamawh leh ṭul pawh ni lo, miin an neih avangin scooty, bike, motor etc. te kan lei ngawt a. A leina nei lo pawhin loan talin kan la hram duh a. Hei vang hian in leh lo benbelna lam ngaihtuah hman lek loin loan rulin kan buai leh si ṭhin. Dik tak chuan heng hian chhungkua leh ram hmasawnna tur nasa takin a dal a ni. Khawlaiah chhungkua leh khawtlang hmasawnna tur ni si lo hi a luangral nasa a ni. Khawlaiah kan neih zawng zawng kan pho chhuak ni berin alang. Hengte hi financial management kan mamawhzia tilang chiangtu a ni. Lalpan kan ram leh hnam chhiat phal loin kan saltanna lak ata min hruai chhuaktu tur financial education a lo buatsaih hlauh mai hi a lawmawm tak zet a ni.

Mizote hi sum ngaina tak, sumdawn thiam leh a ngaihna hre tak, mahse sum enkawl dan thiam leh si lo kan ni. Sum hmuhna tur a nih dawn phawt chuan kan lu chunga meiling chhekkhawlna tur pawh ni se, kan pawisa lo. Loan kan bawh huam huam a, Financial Insititution him lo-ah pawh sum kan dah hreh hek lo. Kan hriat angin kan ram min run let leh ngei tur nia lang, Khehpuam takngial pawh kan hnar phal lo zawng a nih kha. Aizawl hmar lama veng pakhat phei chu Khehpuam veng or Damdawiin veng tih hial a nih tawh hi. Hengte hian kan khawtlang nun dan phung a tilang chiang viau. Sum hmanna lamah pawh kan fimkhur tawk lo; heng zawng zawng hi Fiancial Education/ Finacial Management kan zir hunah chuan zawi zawiin a reh ve mai turah ngai ang.

Mithiamte chuan, 'Sum lakluh ṭeuh a, hman dan thiam leh si loh ai chuan, sum lakluh ang ang hman dan thiam hi a hlu zawk', an ti. Electronic, motor, furniture, thawmhnaw etc. changkang leh man to tak tak a lo chhuak zel a. Hengte hian Financial management kan mamawhna pawh a ti zual deuh deuh a ni. Tuna kan kalphungah hi chuan khawvel hmasawnna hian zofate hi ral ang maiin min run a. Lehlamah thilṭha leh changkang hre tawk chauhin kan hawi zau lawi si a, chu chuan kan khawtlang nun hi, khingbai takin min awm tir ṭhin. In leh lo tlabal ve tak tak siin, thil chhuak thar ṭha ber ber ka nei zel thei lawi a, hengte hi hnam ang pawha mualphona tling a ni. Miin thawmhnaw manto (branded) ngei a in bel chuan changkang riauin kan hria a, motor, two wheel etc chhuak thar man to tak kan neih avangin changkang berah kan in ngai ngawt bawk.

Hei hian kan changkan lohzia a tilang zawk a ni. Changkannate hi thil neihah a innghat lova, thinlungah a awm zawk tih te hi Finacial education kan zir hunah chuan kan zir chhuak em ang chu maw?

Mumbay kan zin ṭumin Taxi driver (hetiang Taxi hi, motor changkang tak tak, sorkarin khualzinte pick-up tura a hranpaa permit a pekte a ni a, anni chuan cool an ti
ṭhin) hian 'Mizoramin enge in thawn chhuah' tiin min zawt a. Kei chuan State tereuhte kan ni a, tunah chuan engmah thawn chhuah mumal pawh kan la nei lo ka ti a. A nih leh enge in economic innghahna a ti leh a, economic innghahna mumal pawh kan la nei lo. Sorkar hna thawh hi a ni rih mai. Mahse tunah hian sorkarn NLUP te a kalpui a... ka ti a. A nih chuan in lakluh mila in kawsak thiam a ṭul dawn a nih chu a ti roh a!

Ni e kan sum lakluh mila kan khawsak thiam a ngai tak zet. Chutiang zelin kan sum lakluh mila kan mamawh pawh kan tih tlem ngam a ngai. Mithiamte chuan mi changkang chuan a mamawh a ti tlem ngam tur a ni an ti - chu chu financial management chu a ni a, chu chu Mizote mamawh chhanna dik tak pawh niin a lang.

Hman deuh khan National Sample Servey of India chuan, India ram State leh U.T te, zirchianna an neihah India ram pumah Mizoram chu khawlaia sum leng vak (trans over money) tamna ber dawttuah a puang hial a ni. State pachhe tak ni siin Mumbai, Delhi, Kolkota etc. te ai pawhin kan sang zawk tihna a nih chu. Mobile phone, bike scooty, motor leh incheina kan uar lutuk vang a nih ngei a rinawm. Hetianga Mizoten laxsurious thil kan uar lutuk hi kan thatchhiat vang nge, Fiancial education a kan hniam vang? Vaiho chuan motor nuai thum man an lei theih chuan, an A/C ah nuai 6 tal an nei ngei ngei ṭhin' an ti. Hetiang ang ngaihdante hi Financial education kan zir hunah chuan kan zir chhuak turah ngai ila.

Financial education/ financial mangement tih hi sum lakluh leh hman chhuah dan zirna a ni ngawt lo; financial knowlage (sum leh pai kaihhnawih thil hriat chian/ hriat zauna) tih te pawhin a hrilhfiah theih awm e. Tunah hian Mizoram mamawh ber chu Financial Education hi niin alang a, hei hi hriain kan sorkar pawh hian hma han la thuai thuai teh se.

- T.Lalengmawia