THE MIZORAM BANA KAIH (HANDHOLDING) SCHEME, 2024: Pros & Cons

IV. Bana Kaih (Handholding) Scheme–A ṭha lo zawngin!

Sawrkar hrang hrangin scheme hrang hrang an lo duang chhuak tawh ṭhin a. Mi retheite’n lei rem an rah nan te, ramin hma a sawn nante leh ei leh bara kan intodelh nante an ngaihtuahna an lo seng tawh ṭhin. He’ng scheme hrang hrangte hi a tumah te, duanna chhanahte ram tana ṭha tak tak vek an ni a. Chutih lai chuan, a hlawhtling vek lem lo tih erawh kan hriat a ni. Kan sawrkarin Bana Kain Scheme a duan chhuah pawh hian tum ṭha tak a nei a, a kawng erawh a thui dawn. He scheme-in harsatna hrang hrang a neih theihte i sawi leh dawn teh ang.

1. State budget tan phurrit thlentu a ni thei: Sawrkarin scheme a kalpui reng rengin sum tam tak a seng ṭhin a. Bana Kaih scheme-ah pawh sum senna tur a tam hle. A bikin, loan pung chhawk zangkhaina tur leh CM’s Special Package bakah, thlai thar leinaah budget sum tam tak ei hek a ngai ngei dawn. State pachhe tak tan phurrit a tlin theih dan a tam hle dawn a ni. Hei hian a huap dan tur anga huap theih loha a awm a hlauawm hle a ni. Tun kum kal laiah pawh vaibelchhe 200 zet dah a ni a, dah mai chu a har lo a ni thei a, pawisa hman tur awm tur chuan ṭan lak hle a ngai dawn a ni.

2. Monitoring-ah harsatna: Scheme reng reng monitoring a ṭhat loh chuan a hlawhtling har ṭhin. Bana Kaih policy-ah pawh hian progress partner-te monitoring system a ṭhat loh chuan hlawhtling aiin hlawhtling lo an tam a hlauawm. Hei hian sum sen tawh a lothlawnah a luan raltir a, a uiawm ṭhin hle. Thingtlang leh khaw kel zawkahte en zui a harsa leh ang a, politics inrawlh a awm chuan, scheme ṭha tak, hlawhtling lo a ni leh mai ang tih a hlauhawm bawk.

3. Sawrkar guarantor-a ṭan a tawk ang em?: Bana Kaih scheme tum lian tak chu progress partner-te tana sawrkar guarantor-a a ṭang tur hi a ni. Ngun taka ngaihtuah chuan thil ṭha tak leh sawrkar tana thil awlsam ang takin lang mah se, harsatna awm thei a tam khawp ang. Loan lo pe chhuak turte chu bank an ni a, bank-te hian felfai takin loan pek chhuahah inkaihhruaina an nei a. Sawrkarin a thlan zawng zawng hnenah an pe thei ang em tih chu zawhna lian tak a ni. Tin, interest subvention leh loan rul thei lote puih dan turah pawh dan fel tak leh rulh dan felfai tak ruahman a ngai bawk ang. Sawrkarin a process chhunga bank lamin ngaihhnathiam hun chhung (moratorium period) a pelh chuan nasa takin progress partner-te’n harsatna an tawk thei a ni.

4. Loan rulh theih loh (NPA) a tam thei: Sawrkarin scheme a duan reng reng hian a nihna tur anga hmang lo kan tam ṭhin hle. He scheme hnuaiah pawh hian mi tam takin loan an la dawn, sawrkar tih a nih avanga loan rul ṭha duh lo kan tam a hlauawm hle. Loan thi (NPA) a tam chuan sawrkarin harsa taka inremna a neihpui bank-te hian rei tak an kalpui thei ang em tih hi zawhna lian tak a ni.

5. Thlai thar lei leh tihral chungchang: Kuthnathawktute’n Bana Kaih scheme an ngahhhlelhna leh an beiseina chu thlai thar man man zawka an hralh theihna tur hi a ni a. Sawrkar hmasa hun laiahte kuthnathawktute beidawn tamna pawh a ni ṭhin. He scheme hian thlai thar leina tur budget-ah DAH a lo ni ta a, a lawmawm. Amaherawhchu, hemi kawngah hian harsatna sutkian tur a tam dawn hlein a hriat. Sumdawngte’n hmun dangah hralh lehna tur hmu sa a, sawrkarin support price a pek tur nen hisapa an lei vek thei a nih dawn chuan thil chhawrnahawm tak a ni thei ang. Amaherawhchu, chutiang awm loa sawrkarin a lei dawn tih hriat avanga sumdawngte’n an lei ṭhat duh loh chuan sum haw tur awm si lovin lei hleithei lovin kan insiam thei a ni.

V. Cooperative society-te tan eng nge awm ve?

Kan thu ziak tihtawp nan leh tlangkawmna ni pahfawmin, Bana Kaih Scheme-ah hian cooperative society-te hian eng nge tih ve theih kan neih tih lai hi a pawimawh hlein a hriat a, i han chhui zau leh hlek teh ang.

1. Funding: Sawi tawh angin, sawrkar hian progress partner-ah hian mimal bakah, pawl, organization leh cooperative society angin a nih theih thu kan hmu a, hei hian society-te tan kawng nasa tak a hawng dawn a ni. Pung awm lova project kan duh ang neih theihna remchang a ni a, society-te pawh kan insiam rem sauh sauh a ngai. Thlai thar sawngbawlnate kan din theih chuan thlai thar (raw material) man tlawm zawkin kan nei thei dawn a, chu chuan nasa takin min pui thei ngei ang. Project pakhat tal thehlut turin inbuatsaih ang u tih ka ngen duh che u a ni.

2. Mawhphurhna a sang dawn: Hriat tawh angin, thlai thar leina chungchang bikah, society kaltlang chauhin sawrkar hian kalpui a tum dawn a, society awm sa bakah a thar a lo ding ṭuk ṭuk ngei ang. Hei vang hian society-te mawhphurhna a sang hle dawn a ni. Thlai thar lei khawm, a dahṭhatna ngaihtuah, a hralhna thlengin kan mawhphurhna tur a ni dawn. Hei hi society tan harsatna lianpui a ni thei. Hetiang kalpui thei society lian kan tam loh avangin sawrkar hian nasa lehzuala ṭanpui emaw ruahmanna siampui emaw a ṭul tak zet. Harsa zawnga ngaihtuah chuan a harsa hlein a rinawm. Amaherawhchu, harsatna aṭanga hlawkna tel dan kan ngaihtuah peih a, hma kan lak ṭhat dawn phawt chuan society tan malsawmna a ni thei bawk.

3. Felfai taka sawrkar nen inkaihruaina neih a ṭul: Society kaltlanga thlai thar lei tihah hian, hralh chhawn lehna tur hmu sa a nih loh chuan sum leh paiah buaina a awm thei. Society-e’n an member-e thlai thar leina tur sum khawi aṭangin nge a lo kal ang? Sawrkar aṭangin grant-n an dawng dawn nge, loan angin a pe ang? He’ng zawng zawngah hian inkaihhruaina mumal tak neih a ngai dawn. Society ṭheuh ṭheuh, theihna leh tih theih chin a inang lo zung thei a, hei hian thlai thar lei leh hralh chhawn thu-ah nasa takin harsatna a thlen thei.

4. Society lem, hmathlir thui tak nei lo leh pawisa dawn nan chauha din a tam thei: Thlai thar lei leh hralh chungchangah society-te hman a nih dawn avangin society a ding ṭuk ṭuk dawn. Tam tak chu, theihtawp chhuah an nih laiin, thlai thar lei leh hralh atan chauha ding an tam thut thei. Hei hi fimkhur a ngai hle a, liability chu Cooperation department-in a chhawm leh dawn a ni. Tun dinhmunah pawh PACS tam zawk viable lo an nih lai hian, a awm sa thuam chak a, thlai thar sawngbawl tura buatsaih a pawimawh hmasa. Mizoramah hian khaw tam tak a awm lo va, a thar indin chawp ai chuan, need-based in mamawhna hmunah society lian zawkte hmanga kalpui a finthlak zawk thei a ni.

5. Financial responsibility sang tak a awm dawn: Society-te’n thlai thar lei leh hralh an buaipui turah hian sum che vel a tam tham dawn a, fimkhur hle a ngai dawn. Eirukna te, sum ziah bo te, sum ziah dan mumal lote kan tih loh a ngai dawn a, financial responsibility ṭha tak kan neih a ngai viau dawn a ni.

VI. Tlangkawnna leh thurawn

Aw le, Mizoram sawrkarin an policy duan The Mizoram Bana Kaih (Handhloding) Scheme, 2024 chu kan theih ang angin kan han thlir ta a. Scheme reng reng reng hi a duang chhuaktu rilru leh a tum dan aṭang chuan ṭha lo tia sawi tur a awm awm lo ve. Mizoram chanchinah pawh sawrkar flagship programme-te hi a tum chu a ṭha em em zel a, amaherawhchu, thu a taka chantir lai hi a harsa ṭhin. Bana Kaih scheme pawh hi economy ṭhanna tura pawimawh a ni a, a kalpui danah erawh kawng thui tak zawh tur a la awm. Theihtawp kan chhuahpui a ngai dawn a ni.

Academic lama awm kan nih angin, progress partner-te hnena training leh thiamna pek dan chungchangah hian department kuta innghat pumhlum mai lovin, zirna in sang (higher institutions) eng emaw zah a awm a, hengte hi hman ṭangkai a ṭha hlein ka hria. District tinah college a awm a, hengah hian Entrepreneurship Development Centre (EDC) din ni se, thawktu awm sate hmang ṭangkaiin, training leh capacity building lamte kalpui ni se la. Progress partner-te project siam dan inzirtirna leh enpui thlengin felfai takin a thawh theihin a hriat a ni. Hetianga kan her rem theih phawt chuan, eng emaw chenah a hlawhtlinna a san phahin a rinawm a, monitoring thlengin felfai taka a kalpui theih a rinawm. 

- Dr. Vanlalmuana, Assistant Professor, Department of Commerce
Government J. Buana College, Lunglei