Mizoram Bâna Kaih (Handholding) Scheme 2024 bihchianna

Inthlang ram kan nih angin sorkar thar a lo pian rualin economic policy thar kan hmu ve nghal ṭhin a. ZPM sorkar thar pawhin an intiam ang ngeiin September ni 19, 2024-ah ‘Mizoram Bâna Kaih (Handholding) Scheme, 2024’ chu Chief Minister Pu Lalduhom’an a tlangzarh a nih kha. Tun ṭumah hian Bâna Kaih pêng (component) langsar leh pawimawh per pakhat bank loan (interest subsidy) hmanga Mizoram sorkarin hmalak a tum dan hi eng nge a nih chiah i lo bih chiang dawn teh ang.

Bank loan pung sorkarin a tumsakna (interest subsidy/subvention scheme) chu eng nge?

Interest subsidy awmzia chu bank loan pung eng emaw zat (percentage bituk a awm tlangpui) sorkarin loan latute (mipui) a pek ṭhensak/a chawipui hi a ni. Kum 2005-06 vel aṭang khan interest subsidy hi India ramah kalpui ṭan a ni a, KCC (loneitute) loan-ah te, PMEGP loan-ah te, Housing for All scheme hnuaia Credit Linked Subsidy Scheme-ah te, NULM leh NRLM hnuaia SHG-te’n loan an lakah pawh interest subsidy hi pek a ni. Bana Kaih scheme-a langsar ber chu mimal leh pawl, nodal department hnuaia search team-te’n an project an endik hnua sorkarin loan pek tlaka an ngaihte’n a hun takah an loan lak an rûl (prompt payment) thei a nih chuan a loan punna zawng zawng (100% interest) a tumpui (reimburse) dawn a ni.

Dahkham leh leiba intiamkamtu ngai lo bank loan pek a ni dawn

Bank-a loan la tur hian thil pawimawh tak neih a ngai ṭhin a, chung zinga mi chu dahkham (mortgage) leh loan lak kan rulh theih loh thut pawha min rulhsaktu tur (guarantor)-te a ni. Hemi pahnih pawh hi mi harsate tan chuan loan lak tluk zetin hmuh a harsa. Sumdawnna bul ṭan tur hian sum lú (financial capital) neih a pawimawh ber kan ti thei ang. Remhriatna leh themthiamna nei ringawt mah ila, a taka chantir tur chuan sum kan mamawh a, bul ṭanna tur sum tam tham deuh chu bank loan kaltlang lo chuan hmuh mai a harsa bawk si. He harsatna hi hriain a sutkian nan Mizoram sorkar chuan loan latute tan cheng nuai 50 thleng guarantor-ah ṭan a tum a. India rama hetiang scheme kalpui tur awm chhun kan nih hmel!

Eizawnna bul ṭan tum leh ṭan mek, huang zauh tura bank loan mamawh em em, guarantor nei si lo tan chuan hei lo liama sekibuhchhuak a awm thei dawn em ni tih mai tur a ni! Bana Kaih scheme atana sorkar thawhpui bank–SBI, MRB leh Apex Bank tan pawh sorkarin a recommend tawh loan an pekte tan sorkar ber guarantor-ah a ṭan ngam chuan a himin a thlamuanthlak viau dawn lawm ni? Nge, Mizoram sorkar sum dinhmun enin partner bank-te tan pawh a phûrawm viau rualinm, an huphurh ru tho si ang em?

Mimal leiba intiamkamtu (guarantor)-ah sorkar aṭang ang maw?

Mizoram Chief Minster-in a sawi lan fo chu, ‘Nuai 50 chin loan in lak guarantor-ah kan (sorkar) ṭan sak dawn che u’ tih hi a ni. Hei hi sawifiah dan chi hnih a awm theiin a lang. Pakhatna chu sorkar laipui scheme awm sa sumdawng/mahnia eizawnna ṭan (entrepreneurs)-tute’n dahkham leh guarantor ngai loa loan lak theihna–Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) hman ṭangkai a ni. (June 2, 2021 Vanglaini-ah hemi chungchang hi chipchiar zawka ziah a ni https://www.vanglaini.org/arti...?). CGTMSE scheme hman ṭangkai hi tun dinhmuna loan la tute tana sorkar tum ber pawh niin a lang a, sorkar tan pawh a him dawn.

Pahnihna chu, a chunga kan sawi tak Mizoram sorkar tak tak (Finance department ni turah ngai ila?) hi loan la tute tan guarantor-ah a ṭang ang. Hemi tur hian Mizoram sorkar chuan kan dan neih ‘The Mizoram Ceiling on Government Guarantees Act 2011’ chu siamṭhain, ‘Sorkar chu mimal loan intiamkamtuah a ṭang thei lo ang’ tih ni ṭhin kha Amendment Section 4-ah chuan mimal leh pawl tan guarantor-ah a ṭul chuan a ṭan theih tawh thu kan hmu ta a. (Provided that on merit the Government may decide to grant the guarantees to individuals, private institutions or private companies).

Chief Minister-in India rama hetiang scheme kalpui awm chhun kan niin ka hria a tih pawh hi zaa za (100% interest free/reimbursement) leh mimal loan guarantor-a sorkar ṭan theihna kan ni tur hi a ni. A pahnihna zawk hi fimkhur a ngai hle dawnin a lang. Kan economy leh leiba dinhmunte kan hria a, nasa zawka sorkar tana phurrit (financial liability) phurh theihna a nih avangin central scheme awm sa CGTMSE hmanga loan late venpui hi Mizoram tan chuan a thlanawm zawk. Vanduai vang emaw, chhan dang vang emaw pawhin mi engzat nge Bana Kaih hmanga loan la, rûl thei lo (NPA) leh rulhsak ngai awm dawn kan hre si lo.

Sorkar laipui interest subsidy scheme-te a hlawhtling reng em?

Central sorkarin a lo kalpui tawh interest subsidy loan ho hi loan ṭha lo (NPA)-ah a ṭang duh khawp mai. Sorkar scheme a nih hian mi tam tak chuan rulh leh ngai lo emaw ti kan awm a, a ṭhenin kan rûl lo a nih pawhin sorkarin min rulhsak mai ang tih ngaihdan hi mi tam tak chuan an nei ṭhin. Kum 2015 aṭanga India rama kalpui, dahkham leh guarantor ngai lo loan, MUDRA loan chauh hi lo en thuak ila. SLBC September Quarter Report-in a tarlan dan chuan, Mizoramah MUDRA loan chhia (NPA) hi 8.44% lai a ni daih mai! Amaherawhchu, Bana Kaih hnuaiah hi chuan vanduaina vanga loan rûl thei lote tan ‘Rehabilitation Scheme’ a awm thei tur hi thil ṭha tak a ni.

Budget-ah eng zat nge sum awm?

Handholding atan kumin budget-ah cheng vbc 200 dah a ni a, interest subsidy bik atana dah zat a hriat loh. TV lama sawihona aṭang chuan kuminah vbc 3 hisap niin, kum 5 chhung atan vbc 15 vel beisei a ni. Hlawhtling taka kalpui theih a nih phawt chuan subsidy atana sorkar sum sen tur hi a tam lem lo. NLUP leh SEDP-a flagship programme-a sorkar sum dah nen khaikhin pawhin a tlem hle a ni. Loan component hi mi nazawng dil chi a nih loh avangin diltu pawh an tam kher lo mai thei. Tin, a hun taka loan rûl theite chauh interest tumpui (reimburse) an ni dawn bawk.

Hetah hian rawtna pakhat awm thei chu, sorkar hian kum khatah zelah interest a reimburse dawn niin an sawi a, hemi ni loin, thla thum danah (quarterly) tal hian interest hi reimburse thei se, hemi tur hian portal kaltlangin bank-te’n sorkar (Planning & Programme Implementation Department)-ah interest subsidy va dil (claim) sak tura ruahman ni se. A theih chen chenah interest subsidy scheme awm sa nen suih fin (convergence) zel ni bawk se.

Tlipna

Sum sem hi hlawhtlinna a nih ngawt loh avangin sorkar kal tawhte’n sem an tawktarh ngawt ai chuan a ti tak takte eizawnna bul an ṭan theihna tura loan hmatheh hi chu a ṭha hle. India rama loan latute tana sorkar guarantor-a a ṭanna awm chhun leh zaa za (100%) loan pung inrulhsak lehna kalpui tur awm chhun kan nih dawn avangin entrepreneur-te tan chuan a phûrawm viau ang. He interests free loan hi bank leh progress partner-te pawhin kan ramin hma kan sawn ngei theihna turin theihtawp chhuah se a duhawm hle. Mipuite pawhin kan lo thlir reng e. 

- Dr. Daniel Lalawmpuia, Assistant Professor, Department of Economics, PUC