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

I. Introduction

Mizoram hian statehood kan neih aṭangin kum 37 lai a lo liam ve ta. State lian lo tak, a mi cheng pawh nuaih 10 awrh kan ni. India ramin hma a sawn rualin ei leh barah te, eizawnna kawngah te, inkalpawhna leh technology-ahte hma kan sawn ve bek bek a. India ram Danpui hnuaiah mahni pawisa thawh chhuah aṭanga chhiah pe pha loah dah kan ni a, tun thleng hian kan awmna a la ni reng. Hmasawnna tam tak hmu mah ila, mipui mimir thleng phak lo tam tak a awm ngei a ni tih chu a hretu kan ni awm e. Chuti chung chung chuan Mizoram sawrkar kan nei tawhte’n kan economy khai chhuahna turin policy neih bik ‘flagship policy’ eng emaw zah an lo nei tawh a. He’ng zingah hian, NLUP te, NEDP te, SEDP leh tuna kan sawrkarin a kalpui tum Handholding (Bana Kaih) Policy te a ni awm e.

NLUP te, NEDP leh SEDP te nena khaikhin kan tum ber a ni lo va. Amaherawhchu, han sawi lan hram atana ṭha chu, flagship policy dang ang lo takin a sema sem a ni ve lo erawh a danglamna lian tak a ni awm e. Flagship programme dangah chuan sawrkar hnen ata pawisa leh hmanrua angin a thlawnin sem a ni ṭhin a. Bana Kaih Policy erawh rulh leh ngai tura a mamawhte hnena pung tlem zawka pawisa hmantir ti ila a sual awm lo ve. Kawng thui tak zawh tur a nei a, keini cooperation hnuaia mi, cooperative society hrang hrangte tan hian eng nge tel vena kan neih tih lai te, kan tana harsatna leh ṭhatna te, academic mit aṭangin kan thlir thuak thuak dawn a ni.

II. The Mizoram Bana Kaih (Handholding) Scheme chu eng nge?

Mizoram Bana Kaih (Handholding) Scheme hian a huam zau hle a, economy-a kan sector hrang hrang–primary, secondary leh tertiary sector zawng zawng huam tur a duan a ni. Comprehensive economic package (economy zawng zawng huam) ti in sawi ila a dik awm e. Policy document-a dah angin, bána kaih zawng zawngte chu hlawkna teltu (beneficiary) ni mai lovin, ‘hmasawnpui’ (progress partner) tih an ni. Ramin hma a sawn ang zela hmasawn ve turin min sawm a ni. India ramin kum 2047-a khawvel ram hmasawn tawh leh changkang (developed nation) ni a tumnaah kan tel ve ngei theih nan he scheme hi Mizoram sawrkar hian hman a tum ruh hl.

Bana Kaih Scheme-ah hian ṭhuang (component) ngain hmasawnna kalpui a tum a, chu’ngte chu tawi te tein han en ila.

1. Mimal emaw pawl emawte hnena an mamawh anga puihna pek.

2. A kalpuitu tur department hrang hrang hnena puihna pek.

3. Kuthnathawh hmanga eizawnna hrang hrang bakah, thil siam chhuah (industry) lama eizawngte hmasawnna tluantling an neih theih nana hmalak. Hemi atan hian a theih chen chenah cluster (zau) anga kalpui a ni ang.

4. Thlai thar chhuahte lei leh hralhna lama felfai taka ruahmanna siam leh, thlai thar man chungchanga loneitute ṭanpuina pek.

5. Rualkhai thei ang bera hmasawnna state, district, block leh village level-ahte kalpui.

A chunga kan hmuh zingah khian, pakhatna leh palinate khi han thlur bing ta deuh ila. Mimal leh pawl anga din chhuahpui theih tur project neite hnenah chuan ṭanpuina chi hniha pek tur a ni:

✓ Bank loan hmanga Rs 50,00,000 thleng dil theih leh, Chief Minister Special Package Rs 1,00,000 thleng dil theihnate a ni.

✓ Bank loan dil turte chuan sawrkar hne chungin, dahkham ngai lovin, sawrkar guarantor-ah a ṭang ang a, loan awlsam takin bank aṭangin an dil thei ang.

✓ Loan rul ṭhate chu sawrkarin a pung (interest) a chawisak dawn.

✓ Thlai thar lei leh hralh chungchangah

Loneitute puih nan hetiang hian ruahmanna siam a ni bawk:

✓ Thlai thlan bikte hnenah price support pek tura ruahman a ni a; tun bikah thlai pali–sawhthing, hmunphiah, aieng leh hmarcha te notify tawh a ni.

✓ Thlai lei tur reng reng society kaltlanga lei tur a ni a, society-a member ni lote ta lei theih a ni lo.

✓ Sawrkarin lei theihna rate bituk (notified rate) a nei a, chumi aia tlawma hralh a nih dawn chuan, a tlin lohna zawng sawrkarin price support a pe ang.

✓ Loneitute thar chhuah sawngbawlna turin a theih chen chenah hmalak tur a ni a, chuta tana hnathawhna tur ruhrelte ngaihtuah a ni bawk ang.

He’ng support pek dan tur hi a theih chen chenah Government of India leh bank scheme hrang hrang nena inhne rem tura kalpui tura tih a ni. Tunah hian bank pathum–State Bank of India, Mizoram Rural Bank leh Mizoram Cooperative Apex Bank te nen thawh dunna thuthlung ziah a ni tawh. He’ng bakah hian tun sawrkar kum kal laiah hian budgetah cheng vaibelchhe 200 dah a ni tawh bawk. Tunah hian dilna thehluh theih tawh niin, mi tam takin an thehlut mek a ni. Department 16 hnuaiah trade hrang hrang 155 zetah dilna thehluh theih a ni.

III. The Mizoram Bana Kaih (Handholding) Scheme a ṭha zawngin!

Tlar hmasa lamah Bana Kaih Policy chungchang kan han sawi thuak thuak tawh a. He policy-in a tum bulpui ber chu, eizawnna atana hman tlak project nei theite hnenah ṭanpuina pek a, lei rem rap tura chhawmdawl a ni awm e. Tun hunah hian a tak hmuh tur la tam lo mah se, a ṭhatna tur hrang hrang han tarlang ila.

1. Project based-a a hlâwkna telna tur a ni: Sawi tawh angin, hun hmasa lama flagship programme kan neih tawh ang lo takin, progress partner-te’n project an neih dan azira ṭanpuina pek tur a ni dawn a, hei hian thui tak a hlawhtlinna turah kawngro a sut a rinawm. Thu mai ni lo, eizawnna bul ṭanna hisap lawka kal chu thil pawimawh tawpkhawk a nih avangin project ṭha tura ngaihte thlan danah theihtawpa ṭha leh fimkhura kan kalpui thei a nih chuan, hun tam zawkah a hlawhtlinna kan hmuh ngei a rinawm.

2. Progress partner- in a huam zau: Sawrkarin a tihchhuah, Bana Kaih Booklet-a a lan danin, progress partner tih hian mimal chauh huam lovin, cooperative society te, SHG te, FPO leh PACS-te a huam. He’ng bakah hian partnership firm te, LLP, private company leh public company-te thlengin, tel thei tura bithliahin a huam chinte chu project thehluh phalsak an ni. Hei hian mi tu pawh a huam a ni tih a hriat a, a huam zauna hian comprehensive economic policy a nihna a tichiang hle.

3. Duh thlan tur awmna scheme a ni: Tarlan tawh angin, Bana Kaih Policy hnuaiah hian project neih dan azirin duh thlan tur a awm. Eizawnna bul ṭan nana sum mamawh tam thamah chuan bank loan dil theih a nih bakah, sum mamawh tlem deuh tan CM’s Special Package dil theih a ni bawk. Hei hian mamawh mil zela sum mamawh dil nan kawng a hawng ṭha hle a, eizawnna tê zawka bul ṭan duh tan a ṭha hlein a rinawm. CM’s Special Package hi grant a nih dawn avangin, rulh leh ngai lo tura ngaih a ni.

4. Dahkham leh pung awm lo (collateral & interest free) loan: Bana Kaih Policy-in a target lian leh a dah pawimawh em em chu entrepreneur-te an ni. Anni tan hian dahkham leh a pung awm loa bank aṭanga loan an puk theih dan tur ruahmanna a awm. Loan pek tlak project neite tan sawrkar chu guarantor-ah a ṭan tur thu kan hmu a. Hei bakah hian, central leh bank loan scheme hrang hrang an lak turte a pung chhawk zangkhaina tur (interest subvention) pek a tum bawk. Heta tan hian Credit Guarantee Uund Scheme for Micro and Small Enterprise (CGTMSE) hnenah corpus fund Mizoram sawrkarin a thawh dawn a ni. He thil hi a taka kalpui a nih chuan entrepreneur ṭhalai zawk, idea nei si, bul ṭanna tur nei si lo tan a ṭangkai hlein a rinawm.

5. Scheme awmsa nena suih fin (convergence): Bana Kaih scheme hnuaiah hian central sawrkarin scheme hrang hrang a neih – PMEGP, PMMY, SUI, KCC leh agriculture & allied sector-a loan hrang rang awmte nen suih fin turin ruahmanna siam a ni a. Hei hian tam takah sawrkar tana sum senna hautak (financial burden) nasa takin a chhawk zangkhai ngei a beiseiawm. Amaherawhchu, sawkarin a tarlan danin, loan rul ṭha duh lote erawh ṭanpuina an dawnte tihtawpsak an ni thung ang.

6. Price support pek tur a ni: Bana Kaih scheme peng pawimawh tak pakhat chu, loneitute’n rate ṭha zawka thlai tharte an hralh theihna tur hi a ni. Tunah hian Mizoram sawrkarin Bana Kaih Scheme hnuaiah hian thlai chi 4 leina tur a ruahman tawha ngaih a ni a, hei hian loneitute thawh rah chu hlawk zawkin a pe thei dawn niin a lang. Hei bakah hian, society kaltlang chauha lei leh hralh kalpui a nih chuan sumdawngte’n a man an thunun (control) ṭhin hi eng emaw chenah a reh theih a rinawm. Kuthnathawkte’n a man thu hlaah nasa takin thuneihna an nei ve tawh dawn a ni.

(Chhunzawm tur) 

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