He thu hi Mizoramah lar lo mahse Manipur lam atanga Mizo unau lo pem thla te hian an practice nual a. Hlawk poh an hlok pui niin a hriat. India ram te Bangladesh te hi Microfinance zar zo mirethei an tam hle.
Microfinance example han sawi ila: Mipakhat Sangha zawrh a duh a Aizawl nilaini a sangha lo thleng thar kha Kg 10 vel tal lak a zawrh ve a duh a pawisa a nei si lo. Microfinance titu te hnenah a va kal a, annin karkhatah 20%pungin Rs 1000 kan puktir ang che an ti a.
A puk ta a Sangha kg ah Rs 100 in Kg 10 a lei ta a. Sangha chu an zuar ta a kg ah Rs 150 in nikhat chhungin a hralh zo ta mai a. Tichuan a dang Kg 10 a va lei leh a chu pawh chu a hralh zo leh ta maia ni 3 hnu-ah. A pawisa puk rulh a lo ngai ta a a khawl khawm a sumdawnna atangin Rs 2000 a nei ve ta der mai chuta tang chuan Rs 1200 a va a rulh hnu-ah Rs 800 kha kar khat chhunga a hlawh chu a lo ni der mai le.
A interest hlep hmuh hi han chhutsak ila 80% per week a ni daih mai le. Mirethei tihtur hre tan a va han tih chi em!!! Ni reng e hei vang hian Scheduled Bank Mizoram ami zz hi engemaw zat microfinance titute hnenah an puk tir tur a ni. Bank ho hian an ti em tih hi ka zawhna a ni, misual hrechiang kan awm em?? Dahkham a awm lo, inrintawkna chiah a ngai bakah a business plan kha a tha em tih enpui leh a ni.
Microfinance expert hi Pu Muana Hauzel a awm. Tunhma kha chuan Bangalore ah American Co te hnuaiah microfinance an India operation hotu-ah a tang. Pu Muana hian microfinance kalphung leh India sawrkar thilphal dan leh Non Banking (Non ?) Financial Institution te enkawl nana regulation poh a hriat viau ka ring. Mizo tlangval hetiang lam expert hi kan awm kan hria em le misual ho hian.
Mizoramah hian transparet deuhin tithei kan awm lawm ni aw ka ti.
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April 7th, 2009 at 8:34 pm
in comment hnuah ka comment ve ang
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April 7th, 2009 at 8:55 pm
Kan comment hma in comment la…haha
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April 7th, 2009 at 9:51 pm
economics lam hi comment an awm manglo thin tlatmai, misual member te he lam ah hian kan tuai deuh ami aw te ka tia.
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April 7th, 2009 at 9:54 pm
Mizoramah chuan economics aiin “Eikonawnmek” hi a lar zawk an ti.
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April 7th, 2009 at 9:59 pm
@ chepa lolzzzzzzz
Eikonawnmek’ thra vele..
ngatinge a rethei ber ber tena anrin tur nisi interest ava sang em2 ve. karkhat ah 20% ani vah maia. sum dawnna a tluan loh palh chuan retheih belhchhah tu mai ah ka ngai.
A sum thehchhuak tute tan Chiahpuam ani ringot a lom… bakah regulation te a omve em?
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April 7th, 2009 at 10:00 pm
mzvision a kar hnihna ah hian a loan chu rulh a ngai tohlo boknen, 1200 a hmuh kha a hlep ani mai lo maw
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April 7th, 2009 at 10:03 pm
Mizoramah chuan, NEREFS (North Eastern Region Fin-Services em ni kha aw??) in Micro-finance hi an ti mek a. 20% aiin a pung a hniam tlata hriatna ka neih chu! mahse ka chiang chiah lo. Sumdawnna bul tan phah an tam mai.
Mahse, anni pawh hian an puktirte chu dawr nei kher a ni. Sumdawnna tenau te te tih tan tum tan an puktir thei chuang lo. Dahkham erawh a ngai lo niin ka hria..
Ka hre tlem hle naa, ka’n share ve a ni e. Ka lawm e.
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April 7th, 2009 at 10:04 pm
#5 microfinance ah chuan interst hi a ang vah mai mole 100% per month te poh a awm. Product hrang hrang a awm e.
#6 Capital Rs 1000 leh one week interest Rs 200 a rulh hnu-ah a hlep ama ta tur liau liau chu Rs 800 ania Capital Rs 1000 atang chuan 80% Net profit ka ti mai . i sual em mai hre reng si a han in zawh vel
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April 7th, 2009 at 10:06 pm
#7 NEREFS te thiltih hi chu microfinance a ni love.
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April 7th, 2009 at 10:10 pm
Sumdawnna tha tak hriat loh chuan sum puk lo phal tehreng pawh ni se pawngtawk pukloh a tha ber. A pawimawh ber chu Sumdawn tha hriat ngai, risky lutuk thil tih chuan leibain a awm hnur ang tih a hlauhawm.
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April 7th, 2009 at 10:10 pm
karkhat ah 20% ania
thlakhat ah 80%…
kum khatah 960%.
Khoi investment mah hian an tluk lo… rethei te retheihna advantage ah an hmang mai ava ang ve!!!! An hotu pa hian han comment ve se hriatchian lehzual ava chakom ve…
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April 7th, 2009 at 10:14 pm
mzviaion, ka sual vang anilo, a pung khi thla khat ah 20% pung emaw kallo tih vang ani e, kalo chhiar chianglo ani
ka zawhna pawh khi a chiah chiah chu anilova, a pung kha thla khat a an teh chuan tuna i sawi ai khian hlep ala tha leh ang a.. tih ka rawn zawh chhuah duhna zawk ani e.
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April 7th, 2009 at 10:24 pm
sangha zawrh hi chu, kan unau in inhlawh nan kanlo zuar toh thina, a buaithlak na em em chu, zawrh khat hi chuan, hmelhriatten an lei ringawt atang pawhin hlep a tha duh khawpmai a, mahse han zawrh ngun deuh hi chuan, hmelhriatte han zawrh ringawt pawh hi a inthlahrun awm duh angreng khawpmai. zawrh ngun chuan, chhungkaw tam tak khan “kar hmasa ah sangha kan hmeh tawh a tunkar chu hmeh tawhlo ang” anlo ti deuh zel. inhlawh zeuh zeuh nan chuan hlep chu a tha ngang mai sangha zawrh chu..
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April 7th, 2009 at 10:45 pm
#11 this is the beauty of micro finance (MF titawh mai ila)
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April 7th, 2009 at 10:53 pm
Kiva tih organization in an bei nasa. An website hmangin US a mimal dollar za vel lek lek loan an pe a, an success rate a tha viau a ni awm e. Kiva.org
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April 7th, 2009 at 11:07 pm
MF hi product chhiar sen loh a awm. Sangha kan sawi. Bel zawrh a theih, Plastic utensils lak a theih, Panhnah a zawrh a theih, Tunlai thirbel a khang sa chhuak ve lo kutlawnga suan theih poh a zawerh theih, Zo samtawk leh bean Farkawn, Vaphai leh Ngopa ami han khara Aizawl bazara zawr chhawn a leng. Guwahati a Pet botlles leh Stainless steel untensils zu laka Aizawla vai tawng thiam lo dawrkaia pek chhawn a leng. Mau leh Rua sata luikama riah chhuah a Aizawla zawrh tura motor hire nan a hman theih
Hairehai a tam lutk. Min sel mah se mirethei leirem rahtir thei a ni MF hi
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April 7th, 2009 at 11:58 pm
a tlangpuiin interest rate hi 17-50% vel ani a, MF ah chuan. model chi 3-4 vel a awma mahse NEREFS model hi chu Micro Finance ah a tel ve lo. India rama model lar ber chu Bangladesh Grameen Bank model (pioneered by Mhmd. Yunus for which he was awarded a Nobel prize) for group/SHG lending hi a ni deuh ber . The reason that Micro Finance has such a high interest rate is beacuse of the high administrative overhead cost for such loans. compare it with say rupees 50 lakh small industrial loan given by a bank to one entity/company and the same amount broken into 100 times given to 100 different entitites/groups flowing down from a bank as loan to the administering Micro Finance inistituiton
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April 8th, 2009 at 12:08 am
@ thirkut… Kiva hi tha viau mahse a investor/promoter te tan profit a om lo. Mirethei te tanpui duh si a profit duh tho cuan indian start up dhanaX (https://www.dhanax.com/) hi a tha lutuk. I duh duh zat i puk tir thei with returns for you. Duh chuan portfolio poh a sizing theih.
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April 8th, 2009 at 12:11 am
chuan KIVA hi strictly speaking chuan Micro Finacne a chhiar ani lo
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April 8th, 2009 at 12:20 am
Administrative charges chu chhuanlam atling lovang..
A chhan chu mi nuaih chuang invest (Mutual Fund, Insurance etc ) te pawn admin charges ah chuan belows 5% of capital Invest chiah an charge.
Mahse that ve na deuh aneih chu, mirethei Loan lak dawna hnawl chian tur sa, poisa mamoh tam em2 si lo ten an puk zung2 theih hi. Mahse hei aia tih hniam chu a om ka ti khop mai. a awlsam avanga extra charge vak kha ka hrethiam chiah lo.
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April 8th, 2009 at 12:27 am
nia a sang deuh mah mah thin.. chaw ka ei phot anga ka ron misual leh ang to explain
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April 8th, 2009 at 1:14 am
chaw ka ei kham chiah. futbol ka en leh phots. go porto and villareal!
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April 8th, 2009 at 2:03 am
Since no commericial bank will give micro loans so the task goes to Micro Finance Insititutions etc.
Say these MFIs get loans from a commercial bank at around 12% if they negotiate hard and they allow administrative cost of around 10% on these. Building in a profit margin of 4 % the interest rate at which they can make available loans come to around 26% which is self explanatory. Take an example of distributing 1 crore rupees by a commercial bank and by an MFI. Sometimes only one employee is needed to disburse and follow up 1 crore from a commercial bank . For the same amount of 1 crore in values of Rs. 10000 per loan , 1000 employees will be needed by an MFI. Threfore administrative costs go up. This is true for the bigger players like Microfin , SKS and Basix etc. this administrative cost shoots up sometimes for lesser established small MFIs with fund base of a few lakh rupees.
Also MFIs employ a lot of high salaried well qualified professionals whose high salaries have to be recovered from the administrative cost. Another category of MFIs exist who gets capital financing from Venture capitalists who have to return the same to these VCs at impressive rates thus pushing the cost of lending..
Having said the above it is still inhuman to charge interest rates of above 35% in Micro Fincance. A lot of the smaller unorganised player charge ‘ignorance premium’ on their loans.
From a draft of my paper presetned in a conference in Korea last year..
“In its current form, micro-credit can’t build equity or jobs on the required scale. The industry to make further changes will have to undertake strategic collaboration of these players to meet the needs of the vast majority of its potential clients and to inculcate and adopt “best practices,” drawing on the knowledge of many different players. A consolidation of smaller MFIs is needed for a broader operating base to allow them greater access to capital and result in improved sustainability. Also these players should also recognize the limits and explore alternatives beyond the industry’s current scope of traditional micro financing”
btw i don’t work in the Micro Finance Industry.
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April 8th, 2009 at 2:11 am
@ #5… regulation chu om chiah lo, local moneylending ang ani mai. mahse operational scale engemo zat pelh toh chuan NBFC a inleh angai thin. NBFC te ho hi chuan regulation chu an nei
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April 8th, 2009 at 2:53 am
#23 i presentation chu min lo email la i hre ril riau
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April 8th, 2009 at 3:03 am
kan vengah nu fa 2 nei a pasal in an rethei ltk a a tlan bosan mangang hi kaninah an lo luta. Theih ang angin kan lo chhawmdawl ve a. tlaikhat chu vawk note 2 ka lei saka an vulh ta a kan chawnawi an rawn la reng bawka. Vawk sum 5 an hralh tlaia vawk note man min rulh paha an family hlim zia kha mithla ah a cham reng mai. MFI rintlak deuh hi Aizawl leh khawpui ah tan sela Zokhua ah lut thei turin han inti lian awm sela kan va tangkai pui dawn em
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April 8th, 2009 at 6:06 am
mzvision, Mohammed Yunus a lehkhabu entawn deuh in kan ti chhin tawh. Hlawhtlin na lai a awm a, lai lo a awm bawk… a talngpui chuan success ang ah ka ngai.
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April 8th, 2009 at 6:07 am
mzvision, Grameen bank hi le?
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April 8th, 2009 at 6:12 am
@ zualbonez, a lp nih tak chu. Good to know. Mimal experience chu ka nei lova mahse a tha viau emaw ka lo tia. A concept kha chuan min heip khawp mai. Dhana chu ka lo en ange.
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April 8th, 2009 at 6:14 am
@zualbonez, “micro” lai tak min lo hrilh fiah plz. loan size a ni mai lomni? a nih chuan engzah nge?
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April 8th, 2009 at 7:53 am
Pawn shop leh Loan shark ho an va ang awm ve.
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April 8th, 2009 at 2:54 pm
What is microfinance?
The term “microfinance” describes the range of financial products (such as microloans, microsavings and micro-insurance products) that microfinance institutions (MFIs) offer to their clients. Microfinance began in the 1970s when social entrepreneurs began lending money on a large scale to the working poor. One individual who gained worldwide recognition for his work in microfinance is professor Muhammad Yunus who, with Grameen Bank, won the 2006 Nobel Peace Prize. Yunas and Grameen Bank demonstrated that the poor have the ability to pull themselves out of poverty. Yunus also demonstrated that loans made to the working poor, if properly structured, had very high repayment rates. His work caught the attention of both social engineers and profit-seeking investors.
Microfinance Products and Services
Micro Loans
Micro Savings
Micro – Insurance
What does microfinance mean for you?
As an individual: Some believe that we are living in a time when poverty may be eradicated. Studies support that belief. According to the Virtual Library on Microcredit, during an eight-year period, among the poorest in Bangladesh/India with no credit service of any type, only 4% pulled themselves above the poverty line. But with individuals and families with microcredit from an MFI, more than 48% rose above the poverty line. What poverty eradication means to you as an individual depends largely upon your personal philosophy.
Conclusion
Capital and expertise are increasingly flowing into microfinance. Increased competition can be seen among MFIs. As they continue to develop their internal operating capacities, more of the potential 80% of the market will be served. Key players such as ratings agencies and institutional investors are also moving into the marketplace, signaling the fact that a true market is developing. Although microfinance has been happening since the 1970s, it is now much more relevant to investors, finance professionals and individuals. Specifically, you might wish to look at your portfolio, your career opportunities, or your personal philosophy to determine how the microfinance phenomenon is impacting you.
Checkout @ https://www.nedfi.com
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April 8th, 2009 at 3:25 pm
@ 32 ….ccp from nedfi website…lol
there are better sources to refer to
@ thirkut… a tlangpuiin nuai khat vel hi a tam pawl , group lending ah chuan
@ 23… ka presentation chu MF topic a ni chiah lo, it was on social entrepreneurship in which we said among many things that Micro Finance is not social entrepreneurship.
Leh thil hriat leh tur chu MF lending tam zok hi lenders ten business activitities atan an hmang lo. A tam zok hi chu emergency funds for things like marraige, etc. atan an hmang. .. he he
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April 8th, 2009 at 3:27 pm
correction…
‘Leh thil hriat leh tur chu MF lending tam zok hi lenders ten business activitities atan an hmang lo. A tam zok hi chu emergency funds for things like marraige, etc. atan an hmang. .. he he
should be
thil hriat leh tur chu MF lending tam zok hi borrowers ten business activitities atan an hmang lo. A tam zok hi chu emergency funds for things like marriige, house etc. atan an hmang. .. he he
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April 8th, 2009 at 3:46 pm
Kan buaipui leh vak ang nge?Chiahpuam ang deuh khan???A thatna tamtak awm mah se third party in rawlh tam lutuk hian easy money a ti hluar thei ang em le! Fimkhur loh phei chuan vairam a money lender ang khu nih a hlauh awm in ka ring.
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April 8th, 2009 at 5:42 pm
Default lamah chuan MF hi chu a safe, default rate is around 1% only. A chhan chu grameen bank group lending model hnuaiah peer pressure leh peer monitoring avangin individual tan default a har. mahse a lar lo deuh zok grameen bank model ni lo model dang 2-3 individual micro lending ah erawh default a sang
leh Chiahpuam nen chuan tehkhin chi a ni lo. MF te hi chu worldwide proven case a ni toh e
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April 8th, 2009 at 11:03 pm
MF ti teh su please… Sap tawng a tawngkam bawlhlawh lam tawi a ange em mai.
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April 9th, 2009 at 7:28 pm
For zualbonez: I guess you won’t find (32) comment in NEDFI website. And for your kind information I’m not trying to advertise third company neither I do think of that. I’m simply trying to make clear for other to know about Microfinance and the benefit.
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April 9th, 2009 at 7:34 pm
For zualbonez: for your Comment (34) you don’t have prove that most of the funds given are use in marriage etc. so please stop thinking in the negative perception (Stop Zopa Lungril).
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September 16th, 2010 at 12:41 pm
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