कर्जमाफीची बनवाबनवी

2008-09 Mo A§XmOnÌH$ gmXa H$aVmZm H|$Ðr¶ AW©‘§Ìr lr. nr. qMX~a‘² ¶m§Zr eoVH$è¶m§À¶m H$O©‘m’$sMr KmofUm H$ê$Z EH$M JXmamoi CS>dyZ [Xbm. Aem àH$maMm H$moUVmVar "Ombr‘'' {ZU©¶ AW©‘§Ìr H$aUma ¶mMr Mmhÿb AJmoXa nmgyZM bmJbr hmoVr. Yê$Z ~m§YyZ AmUboë¶m eoVH$è¶m§Mo KmoiHo$ H$m±J«og Aܶjm lr‘Vr gmo{Z¶m Jm§§Yt§À¶m 10-OZnWda AMmZH$ O‘m ìhm¶bm bmJbo Am{U à{gÕr ‘mܶ‘m§‘YyZ ˶m§Zm AìdmÀ¶m gìdm à{gÕr {‘im¶bm gwédmV Pmbr VoìhmM H$O©‘m’$rÀ¶m {ZU©¶mMm A§XmO amOH$s¶ {ZarjH$m§Zm Ambm hmoVm, nU lr. {MX§~a‘² ¶m§Zr ZmQ>瑶 nÕVrZo KmofUm H$aʶmMm à¶ËZ Ho$bm Am{U nmR>monmR> H$m±J«og-amîQ´>dmXr H$m±J«ogZo lo¶ KoʶmgmR>r àMmamMm Ywaim CS>dyZ [Xbm. lr‘Vr Jm§Yr, ‘Z‘mohZ qgJ, {MX§~a‘² Am{U "X J«oQ> OmUVm amOm'' eaX ndma ¶m§Zr H$mhrVar ‘hmZ H«$m§Vr Ho$br Amho, Ago T>mob ~S>dm¶bm gwédmV Pmbr. gwédmVrÀ¶m ¶m JXmamoimV H|$ÐmZo H$O©‘m’$s [Xbr åhUOo Zo‘Ho$ H$m¶ $Ho$bo? ˶m ‘m’$sMm Cn¶moJ H$moUmbm Am{U H$gm hmoUma Amho? dJ¡ao àíZ XS>nyZ Q>mH$ʶmMm à¶ËZ H$m±J«og-amîQ´>dmXr H$m±J«ogZo OmUyZ ~wOyZ Ho$bm, nU T>m|Jr Am{U ~H$dmg àMmamMm JXmamoi ’$ma H$mi MmbdVm ¶oV Zmhr. AW©g§H$ënmVrb KmofUm§À¶m ~m~VrV Va ZmhrM Zmhr. AW©g§H$ën ‘m§Sy>Z n§YadS>m CbQy>Z Jobm Am{U àMmamMm Ywaim Imbr ~gy bmJbm. ˶m~amo~a $H|$ÐmVrb H$m±J«og AmKmS>r gaH$maMr eoVr H$O©‘m’$sMr KmofUm "Aer hr ~Zdm~Zdr'' gXamVir! R>aUma ho ñnîQ> ìhm¶bm bmJbo Amho.

‘hmamîQ´>mnwaVm {dMma Ho$bm, Va ¶m H$O©‘m’$sMm ’$m¶Xm ^b˶mbmM {‘iUma Amho. ¶m~Ôb H$moUmÀ¶mhr ‘ZmV e§H$m Cabobr Zmhr. JmoaJar~, Xm[aÐçaofoImbrb OZVoÀ¶m Zmdmda AZwXmZ XoUmè¶m ¶moOZm V¶ma H$am¶À¶m Am{U à˶jmV ˶m ¶moOZm§Mm bm^ YZXm§S>½¶m, ga§Om‘Xmam§ZmM Úm¶Mm ho H$m±J«og- amîQ´>dmXr H$m±J«ogMo bmS>Ho$ V§ÌM BWohr dmnabo Jobo Amho. {dX^m©Vrb d EHy$UM amÁ¶mVrb H$moaS>dmhÿ eoVH$è¶m§À¶m AmË‘h˶m§‘wio eoVH$è¶m§À¶m H$O©‘m’$sMm ‘wÔm XoemÀ¶m {df¶n[ÌHo$da Ambm. Amo{bVmImbrb, ~m¶mJVr {nHo$ KoUmè¶m§Mm ’$magm àíZ ZìhVm; nU H$O©‘m’$sMr ¶moOZm Aem H$m¡eë¶mZo V¶ma Ho$br Jobr H$s ‘hmamîQ´>mVë¶m gYZ, ~mJm¶VXma eoV³¶mbmM ˶m ¶moOZoMm ’$m¶Xm {‘imdm! H$Om©Mr a³H$‘ hm {ZH$f Z ñdrH$maVm O‘rZ YmaUoMm {ZH$f Iè¶m JaOy eoVH$è¶mbm ˶m H$O©‘m’$snmgyZ Xÿa R>odUma Amho, ho AmVm ñnîQ> hmoD$ bmJbo Amho. H$mnyg CËnmXH$mbm {‘iUmao EH$ar 5000/- é. Mo H$O© Am{U D$g [H¨$dm Ðmj CËnmXH$mbm {‘iUmao EH$ar 40,000/- é.Mo H$O© EH$mM ‘mnmZo ‘moOʶmMo H$m¡eë¶ eoVrÀ¶m ehmUnUmMm KmD$H$ ‘³Vm KoD$Z ~gbobo lr. eaX ndmaM XmIdy eH$VmV, nU ~Zdm~ZdrMm Ioi ’$ma H$mi MmbV ZgVmo. You Cannot Fool Everybody all the Time hr åhU AmO H$m±J«og-amîQ´>dmXr H$m±J«ogÀ¶m H$O©‘m’$sbm V§VmoV§V bmJy nS>V Amho. ¶m H$O©‘m’$sMm ’$m¶Xm {dX^©-‘amR>dmS>çmbm H$mhrM hmoUma Zmhr, ho ñnîQ> Pmbo Amho. ¶dV‘mi, dYm©, AH$mobm, A‘amdVr, dm{e‘ d ~wbT>mUm ho {dX^m©Vrb ghm {Oëho eoVH$è¶m§À¶m AmË‘h˶m§Zr gdm©V OmñV Jm§Obobo {Oëho AmhoV. amÁ¶ emgZmÀ¶mM AmH$S>odmarZwgma ¶m ghm {Oëøm§‘Yrb 15.51 bmI eoVH$è¶m§n¡H$s 5.9 é. bmI eoVH$ar (38.43 Q>³Ho$) nmM EH$am§nojm OmñV O{‘ZrMr ‘mbH$ AmhoV. Caboë¶m 61 Q>³Ho$ eoVH$è¶m§n¡H$s Zo‘Ho$ [H$Vr OU H$O©‘m’$sÀ¶m H$joV ¶oVrb ¶mMo CÎma AmO Var H$moUr XoD$ eH$V Zmhr.

H|$Ðr¶ AW©‘§Í¶m§Zr eoVr H$O} ‘m’$ H$aʶmMr KmofUm H$aVmZm 60,000 H$moQ>r én¶m§Mr H$O} ‘m’$ H$aUma, Ago Omhra Ho$bo; ‘mÌ hm 60 hOma H$moQ>tMm AmH$S>m Hw$Ry>Z AmUbm ho ˶m§Zr H$Yrhr ñnîQ> Ho$bo Zmhr. XoemVrb eoVH$è¶m§H$S>o [H$Vr H$O© Amho Am{U ˶mn¡H$s WH$sV H$O© [H$Vr Amho, WH$~mH$sXma [H$Vr AmhoV ¶mMm AmH$S>m AW©‘§Í¶m§Zr Xoemg‘moa R>odm¶bm hdm hmoVm. 60,000 H$moQ>r EdT>r ‘moR>r a³H$‘ ‘m’$ H$aVmZm AW©g§H$ënmV ˶mgmR>r H$m¶ VaVyX Ho$br Amho, Vo ñnîQ> H$am¶bm hdo hmoVo. ¶m aH$‘oMm ^ma XoemÀ¶m AW©ì¶dñWoda nSy> Z¶o ¶mH$[aVm H$m¶ Cnm¶¶moOZm Ho$br Amho Vohr gm§Jm¶bm hdo hmoVo, nU ¶mn¡H$s H$mhrhr H$aʶmMo H$îQ> lr. {MX§~a‘² ¶m§Zr AW©g§H$ën ‘m§S>V AgVmZm KoVbo ZmhrV. Joë¶m Xhm [Xdgm§‘ܶo ˶m§Zr Q>ß߶m Q>ß߶mZo H$mhr ‘wÔo ñnîQ> H$am¶bm gwédmV Ho$br. AJmoXa ˶m§Zr Omhra Ho$bo H$s ~±H$m§Zr H$O© ‘m’$ H$ê$Z gaH$maH$S>o {ZYrMr ‘mJUr H$amdr! Z§Va ˶m§Zr ñnîQ> Ho$bo H$s gaH$ma VrZ dfmª‘ܶo ~±H$m§Zm n¡gm XoB©b!! Am{U AmVm ˶m§Zr ¶m dfm©gmR>r 10,000 H$moQ>r én¶m§Mr VaVyX Omhra Ho$br Amho!!! åhUOo Ad¿¶m n§Yam [Xdgm§V 60,000 H$moQ>tMr H$O©‘m’$s 10,000 38,000 H$moQ>tda Ambr Amho. I[anmMm h§Jm‘ gwê$ hmoB©n¶ªV ˶mn¡H$s [H$Vr CaVmV ¶m àíZmMo CÎma gmo{Z¶m Jm§Yr-‘Z‘mohZ qgJ- {MX§~a‘²-eaX ndma Var XoD$ eH$Vrb H$s Zmhr ho Ho$di ˶m§ZmM R>mD$H$!

[aPìh© ~±Ho$Zo ZwH$˶mM à{gÕ Ho$boë¶m EH$m AhdmbmV XoemVrb eoVr H$Om©Mr AmH$S>odmar à{gÕ Ho$br Amho. (Reserve bank of india''s trend and progress of banking in india) ¶m AhdmbmVrb AmH$S>odmarZwgma XoemVrb ì¶mnmar ~±H$m, J«m‘rU ~±H$m d ghH$mar g§ñWm§H$S>rb EHy$U WH$sV eoVr H$O} 38,000 H$moQ>r én¶m§À¶m KamV AmhoV. ˶mn¡H$s gw‘mao 60 Q>³Ho$ H$O} Aën^yYmaH$ (5 EH$am§Mm AmVrb) eoVH$è¶m§H$S>o AmhoV, Ago ‘mZbo Va Vmo AmH$S>m ¶oVmo 23,000 H$moQ>r én¶o! åhUOo ^yYmaUoMm {ZH$f Z bmdVm EH$OmV gd© eoVH$è¶m§Mr WH$sV H$O} ‘m’$ H$am¶mMo R>adbo Var gmR> hOma H$moQ>r én¶o bmJV ZmhrV.

AmnU XoemVrb Mma H$moQ>r eoVH$è¶m§Zm H$O©‘m’$s XoV AmhmoV, Ago lr. {MX§~a‘² ¶m§Zr Omhra Ho$bo hmoVo. ˶m§Mo XmoÝhr AmH$S>o ‘mݶ Ho$bo. (gmR> hOma H$moQ>r d Mma H$moQ>r) à˶oH$ eoVH$è¶m§À¶m dmQ>çmbm ¶oVmV 15,000/- én¶o! Am{U [aPìh© ~±H$ Am°’$ B§[S>¶mMo AmH$S>o Iao AgVrb, Va à˶oH$ eoVH$è¶mÀ¶m dmQ>çmbm ’$³V 5750/- én¶o `oUma AmhoV!! lr‘Vr gmo{Z¶m Jm§Yr-‘Z‘mohZ qgJ- {MX§~a‘²- eaX ndma ¶m§À¶m H$O©‘m’$sMo ho IaoIwao ñdê$n Amho. AW©g§H$ën gmXa Ho$ë¶mZ§Va ‘wÔm‘ CS>dboë¶m ‘Vb~r àMmamMm Ywaim OgOgm Imbr ~gob VgVgo ho {MÌ A{YH$ ñnîQ> hmoV OmB©b, nU H$m±J«og-amîQ´>dmXr H$m±J«ogZo ~Zdm~Zdr H$ê$Z Amnbr H«y$a MoîQ>m Mmbdbr Amho, ho XoemVrb-{deofV… ‘hmamîQ´>mVrb eoVH$è¶m§À¶m bjmV ¶oD$ bmJbo Amho.

{dX^©-‘amR>dmS>çm‘ܶo Va àM§S> Ag§Vmof {Z‘m©U PmbmM Amho. nwè¶m ‘hmamîQ´>mÀ¶m ZmdmZo JdJdm H$am¶mMm Am{U gmam Kmg AmnUM bmQ>m¶Mm ¶m npíM‘ ‘hmamîQ´>mVrb H$m±J«ogr Zo˶m§À¶m XamoS>oemhrÀ¶m {damoYmV Cä¶m ‘hmamîQ´>mV Vrd« à{V[H«$¶m C‘Qy> bmJbr Amho. ˶mM~amo~a ho H$m±J«ogr ZoVo n. ‘hmamîQ´>mVrb gm‘mݶ eoVH$è¶mbmhr ݶm¶ XoV ZmhrV, H$mhr ‘yR>^a YZXm§S>½¶m Hw$Qw>§~m§MrM ^a hmoV Mmbbr Amho. ho CKS>çm S>moù¶m§Zr ~KUmar a¶V AñdñW Amho. ~iramOmMm hm AmH«$moe, hr AñdñWVm H$m±J«og-amîQ´>dmXr H$m±J«ogbm OÝ‘mMr AÔb KS>dë¶mIoarO amhUma Zmhr. H$O©‘m’$sÀ¶m ~Zdm~ZdrMm hm Ioi ˶m§À¶mda ~w‘a±JgmaIm CbQ>Uma Amho..