Mi dangin rawtna an thlen sup sup tawh a, idea mawlmang te han thawh ve ka duh , a chhan chu ka idea ang tuman thawh ve hek lo i…. Ranvulh hovin alo thlawna pawisa an hloh loh nan.
Hman ah misual-ah hian ka ziak thuak thuak tawh a, Cattle Insurance chungchang bawk kha (A duh chuan search mai ru; Ranvulh Insurance (Cattle Insurance) tiin. Miin trade-ah ranvulh an thlan chuan, ranvulh (e.g. Kel vulh association, Bawngvulh association, vawkvulh association etc.) Association hi siam thei hram se, a lo thlawna an thih mai mai loh nan Cattle Insurance hi la thei se a thra khawp mai.
Association member an tam poh leh an pawisa thawh ngaizat a tla hniam thei, achhan chu an pawisa thawh tlingkhawm vawi leh khatah pek chhuah vek angaih loh avangin Risk Free Interest rate (T-Bills, CD etc, thla hnih khat lek lek pawisa deposit theihna ah an dah thei.. current interest rate 8-10% p.a).
Insurance Company-ah insure dawn pawn mihring an tam angai tho tho. Anih loh pawn mimal in ranvulh tamtawk a neih bawk chuan a remchang hle bawk. Vawk (Kawmchar ah 
) pahnih khat lek vulh chuan a harsa tralh angle.. Chu ai chuan pawl hlawm lian tak ah insiam se, Insurance hi ti thei hram se. Heta hriat tur erawh chu Bawngvulh leh Vawkvulh ho pawisa thawh zat a in ang thei lo.. A chhan chu an thih theihna chance (Mortality Rate a in an loh avangin)
Pawisa thawh ngai zat chhut chhin ang;
Mizoram vawkvulh ho hnen atrang in kumkhat-ah an vawk engzat nge thi thin? An vawkvulh hi 1000 ni ta se, kumkhat chhungin engzat nge thi thin tihna anih ber chu. Vawk 1000 atrang hian kumtin vawk 10 vel lo thi ta thrin se, Vawk mortality rate chu 10/1000 = 0.01
Vawk puitling man: Rs.20,000.
Kumtin pawisa thawh ngaizat (Achhan chu kumtin vawk 1000 atrangin 10 thi miau hek.. kum thum danah vawk 1000 atrangin vawk 10 thi ta sela chuan kum thum dana an thawh tur.. Got it?)
Puntir keuh rawh: 20000 * 0.01 = 200 (Mortality rate-ah a in nghat bon tops)
Heihi mimal-a enkawl (Insurance Company nilo) dawn chuan an pawisa thawh ngaizat ani (An kawmthlang pa nen chiah lo ti dun (Insure dun) ta se, Company hnen ni si lovah. Pakhat zawk vawkvulh kha lo thi ta keuh bok se, An pawisa thawh tlingkhawm zong2 chu Rs.400. Hemi avang hian a pawisa thawh tu (Ranvulh tute) an tam angai ta anih chu, a member an tam chuan mortality rate poh chhut sual a tlem nge nge. Tin, pawisa thawh ngaizat a tlem phah ta bawk).
Chuan, vawk hi kum dangah an thihna rate a tla hniam thei or a sang thei. Adjustment siam nan hian pure premium anti leha, chhut leh theih tho mai.. (chhut toh kher lovang). A punna rate hi 5% -10% vel anih chuan (Mortality rate)… Pawisa deposit Interest atrang a pek mai theih, thawh belh ngai kher lovin. Tin, Insurance company te enkawl tir dawn chuan pure premium hi mathei lovin, tih luihna nen an pek tel angai.. a tlangpuiin Rs.200 an pek bakah hian Rs.150-180 vel an pek belh an ngai ang.
An vawkvulh kha athi emaw adam emaw tun atranga kumkhat hnu-ah Rs.20,000 an la lut hrim hrim dawn tihna anih chu.
Insurance Company pan a hlawk-na chu, Vawk pul hri a leng thei. Vawkvulh ho in an tuar rual thruau thei tlat. Mimal-a enkawl chuan pek vek ngaihna a om si lo a. A entirnan chuan; Y.M.A hian chhungtin hnen-ah kumtin Rs.50 kuang man a khawn thin a ni, mihring hi thi thruau ila YMA hian an pawisa khawnkhawm hmang hian kuang man an tum sak vek seng lovang.
Private Manage a hlawk na ve thung chu; Ranvulh kha lo thi ta mang lo se, a thawh tu te tan malsawmna. A kum lehah an hmang thei, chuan an pawisa dah belh ngai pawh a lo tlem phah thei bawk. Insurance Company enkawl tir erawh chuan an ei veks. (Term Insurance ah, vanduanna ilo tawk leh ta mang si lova, i pawisa thawh i chan vek ang khan) Bakah, pure premium pek i ngaih loh avangin i pawisa thawh ngaizat a chanve vel chiah a ni thei.
Anih Insurance Company chuan an insure sak duh che ngem? YOU HAVE RIGHT TO INSURE. As per Insurance Rules; ‘It is your legal right to insure any type of property or any event that may cause financial loss or create a legal liability to you” (Ka sap viau lovang chu maw )
(Y.M.A in thihna kan in sawngbawl danah poh hian he ka thil chhut dan hi a hman theih. Khawpui-ah mi an dam rei toh, mortality rate a hniam…. means sum thawh a tlem thei. Tin, heihi Life Insurance sum thawh ngai chhut nan pawh an hmang tho)
Ka lawm e.
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February 20th, 2010 at 5:48 pm
Vawk vulh in rawn hrut deuh ngat2 a,a thra ka ti!Hmanni khan pu MZ khan pu manzuala article kha a rawn post a,kei chuan kha2 kha thlawp khawp mai.growth kan duh tak2 a nih chuan Im-balance growth kal pui a,kan din chhuah theih na tur uluk tak a select a,thil dang sawi mawi chawp titih a in barh buai vak loh hi thra ka ti a!Kan specialise na tur thlan thiam a ngai!Tih tak2 ah chuan Mizo rilru ang ah chuan Vawk vulh pawh hi hlawk loh na chen a awm(Tun ah hian vawk 4 ka(kan) vulh a,chaw lei chawp phei chuan heh tak an ni!)Mahse pawisa hlawm a lo lut thei tur a ngaihtuahna sen chuan a zia awm,saving a ni ve mai!
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February 20th, 2010 at 6:04 pm
a thrat hmel hle mai, thingtlang mi te paw’n an hriat theihna turin puanzar a awm em le???
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February 20th, 2010 at 8:48 pm
Va comment tha duhlo hlawmve mawle..pig insurance hi SBI ah kan self help group in kan ti ve a,pawisa kan chawi teuh a,vawk athih in insurance pawisa kan la chhuak leh thei silo,thin arim khawp mai.
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February 20th, 2010 at 8:49 pm
tha khop mai…
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February 20th, 2010 at 9:03 pm
@Shailendra : Mautam lai denchhen NLUP awm hman se, sazu kha thlang ta ila! Fuh cher cher viau lo’ng maw?
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February 20th, 2010 at 9:05 pm
lo sawi luai luai phawt teh u, ka la in hmuam up rih teh ang. In comment ngaithla rih phawt teh ang
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February 20th, 2010 at 9:05 pm
OT/HELP: 1. In Comment leh Post a ahte LINK hi engtinnge in dah le?
2. Hawrawp in Bold hi engtinge intih a?
3. Animation(?) nui che zeuh zeuh ang chi te hi eng tin nge in dah a?
Khawngaihin minlo hrilh ve teh u, ka hre ve chak riau a ni.
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February 20th, 2010 at 9:07 pm
@Pimpom : Mzvision-a thu lo chuan tumah kan hrilh thiang lo. Pu Mz-a hnenah application saptawnga i thlen phawt a ngai! Permission granted a nih hnuah hrilh che kan inchuh a ni tawh mai! Sandman-an a endorse a ngai kher bawk. A khirh ve raaaaaaps!
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February 20th, 2010 at 9:25 pm
Trade hi kan thlan hma hian eng hi nge ka tih atan tha ang a, ka hlawhtlin pui ang tih lam ai chuan eng hi nge hlawk ang tih ringawt kan ngaihtuah a, kan ram neih dan te, kan tuina leh kan that pui ber ang tih hi kan ngaihtuah thiam lo mah mah thin.Entir nan iskut hmun zau tak ka lo nei ta a, trade atan emaw kuhva hmun siam emaw kan thlang ta daih mai a, tah hian kan tihsual chu iskut hmun ka neih sa vangin iskut thlan mai tur kha a nia..a..a thling lang chuan sawi lo mai ang pawi sawi palh a hlauh awm e.
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February 20th, 2010 at 9:37 pm
Vawk vulh thlang an tam lutuk, a hlawk tih vang ringawt a thlan a nih a, mahni tuina emaw vawk vulh tluang chi kan ni em tih te in en fiah lo va thlang kan lo nih hlauh chuan beidawng in kut beng tho in kan chhuak leh ang tih a hlauh awm. Insure eng ang mah ila kan beidawng hian sawrkar hi kan dem leh luai luai mai ang tih a hlauhawm ka ti ve mai mai.
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February 20th, 2010 at 9:59 pm
Vawk vulh hi chu tluan chuan tha tak a ni. Tam tham tak vulh theih phei chuan tih takzeta enkawlin a market a buai lo (7th day adventist an la tlem bawk a
) Engtinnge senso tlem zawkin kan enkawl anga, chaw atan tha si hautak lutuk si lova tih dan a awm em tih lamte sawi ho tel ila. Piggery farm siam hi ka chak mahse ka la che hlei thei si lo a nih hi. Insurance ti duh tan khawiah nge tih tha ber ta ang le? Makima te pawl lah chu an che fuh mang bawk si lo.
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February 20th, 2010 at 10:00 pm
12th. Vawkvulh hi hna a nei tak tak tur chuan kan taihmakna, dawhtheihna leh kan teirei peihna hian a tlin lo. Hemi tichiangtu chu Lunglei Pukpui daia piggery hi ani awm e.
Vawk 2 vulh hi a hahthlak tham lo. 10 chin tawh chu a hautak khawp ang le.
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February 20th, 2010 at 10:14 pm
Makima sawi ang deuh khian insurance pawisa submit vek tho chung si a, vawk a thih palha pawisa an claim hlawhchham anih si chuan ava hlawk loh hmel si ve le.
OT lawks: Chelsea in hma kan hruai fal chiangkuang dawn e. Man Utd ho chuan thei leh theilo khan min um tang tang se ni mai.
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February 20th, 2010 at 10:35 pm
Post thra tak ani mahse NLUP buaipui tute hian heihi an hriat a trul. # 3 makima sawi ang chi hian chhantu Activist an mamawh, an insure vawk kha lo thi ta selang, process engemaw a ngai ang. Chuvang chuan chu process tihtur chu hria kan awm chuan han thawh belh teh u.
He post ah hian hriatna leh Expi kan thawhkhawm chuan a trangkai khop dawn in ka hria
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February 20th, 2010 at 10:41 pm
Vawk vulh ai chuan Ui vulh a hlawk a ngem le? Rawl-thar hawklak in “ui cho tual leng kan vuak hlum….” an tih ngawt lo deuh nan uluk zawk hian vulh ila, Chak-ai Farm ai chuan a hlawk tho a ngem?
NLUP dik tak pawh a nia maw ni le “A ngai reng ……” kha a ni mai lo maw?
@Lily_parmawia rawtna chhete-ah ka pawm phal lo, bengvar tlak khawp mai!
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February 20th, 2010 at 11:27 pm
Vawk leh Ar vulh thlang an tam lutuk a, a hralh leh na lam tur ngaihtuahin lu a hai map map mai. He rawtna hi that viau rualin insurance ah ringawt zawng i in nghah chi dawn em ni..?
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February 20th, 2010 at 11:29 pm
Nia ui farm siam te hi vawk ai chuan a hlawk zawk ngei 2 ang le a chhan chu chaw an in heh hleih a sa man a to bawk a bum a hralhna tur a tam si a tih chi phian an.hahahhhahahaah
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February 21st, 2010 at 12:02 am
@chawngchilh: ava buaithlak teh duah ve mawle. Pawilo chutiang taka uihawm a nih chuan ka hre velo mai ang e.
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February 21st, 2010 at 1:13 am
#) British sorkar policy atanga tunhnai sorkar policy hrang hrangte hi logic taka kan en chuan, NLUP pawh hi intodelhna programme ni lovin, Jhum cultivation tihtawp hrim hrim tumna a ang ber zawk a ni.
#)Sorkar chuan Jhum cultivation hmangtu an tlem tial tial em tih kha tehna fungah a hmang ringawt mai a. Mahse, jhum cultivation inhnam hnawih hi tlem chho viau se, loneitu leh kuthnathawktute hi an intodelh hle tih a kawl ringawt thei lo. Jhum cultivation hmang miah lo hian intodelh lo zetin kan awm thei tho mai tih erawh kan ngaihtuah hle a hun.
#)NLUP kalphung fuhtawk lohnate:
NLUP atan hnathawk tha hi lawmman siam sak ngei nise. Loneitute tisa leh thlarau lama chawikanna hmanrua a ni ang.
(1) Plan mumal a awm lo.
(2) Loneitute mumal taka kaihhruaina a awm mumal lo.
(4) Officer transfer sek hian hna a ti buai.
(5) A dawng tur dik tak ten an dawn theih nan, a semchhuah dan kalphung mumal zawk a ngai.
(6) Sorkar leh khawtlang pawl ten mumal taka endik pui a tul…awarness tha zawk neih a tul.
(7) Hnathawk tha lo leh a nihna taka hmang lo apiang hi hremna mumal tak a awm ngei a ngai.
9) NLUP hnathawk endiktur pawl mumal tak ruat ngei a ngai, tunah hian Rural Development hnuaiah kalpui a ni, mahse department dang nen an thawhhona hi a khawma enfel leh a harsa em em.
10) Department hrang hrang hnuaiah NLUP hi sem chhuah thin a ni a. Department hrang hrang ten thawhhona tha a awm loh avangin a hlawhtlinna kawng a buaichuar.
11) Credit system zawnga kal hi a tul a ni. Entirnan, loneitu tanpui nan NLUP hi installment in pek chhuah nise, an hnathawh hlawh chhuah atangin a chanve tal rul let leh se. A thlawna thil sem leh dawn hian kebaiah min siam nasa tih hriat a hun.
#Jhum cultivation tihtawp tum hi i sim ang u: Tuna kan dinhmunah hian kan kalphung hi thlak ta chhin ila, entirnan kan thenawm lawk Meghalaya-ah chuan jhum cultivation tihtawp tumin hma an la tawh lova, her danglam tumin hma an la mek zawk a ni. An hlawhtling chho em em mek a. An state a Community forest management leh joint forest management hnathawh phei chu khawvel hriatthamin an tlangau pui ngam tawh a ni. Kan ramah pawh jhum tihtawp tum hi sim ila, siam rem hlek hlek i tum zawk ang u. Hei hi a hlawhtling zawk ngeiin a rinawm.
#NLUP chungchangah zawhna la awm thei fo chu:
(1) Govt sum pek hi a dik takin hman a ni em?
(2) He scheme hi kan monitor tha em, a nihna takah kan hmang em?
(3) Kan harsatna a sukiang chiah em?
(4) A rahchhuah hi loneitute tan a tangkai thawkhat em? (5) Kan pawisa hmanchhuah atanga chhutin kan hlawhchhuah engzat chiah nge?
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February 21st, 2010 at 3:33 am
@epistamology I ti dik in ka ring Land use tur chuan jhuming kan tih a ngai hmel hle sia a jhum system tih bo an tum bawk si chuan buai an thlak dawn ngei mai.
Kan Jhum system hi her dang lam zawk in productive zawng in her tum ta ilang tih chi zawk fe in ka ring.
Amaherawh chu Jhum shifting system te kha ban san ta zawk i lang permanent deuh tak in hmun khat ah khan in consantrate ta zel zawk ta ilang kan hlawh tling zawk in ram te pawh kan hmang trangkai in kan hlit zawk in a rinawm.
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February 21st, 2010 at 10:23 am
‘Vawk leh Ar vulh NLUP ah thlang an tam lu tuk a,a hralhna a buaithlak ang’ tih hi chu a awih awm vak loh,Mizoram a mi chu kan lei awlsam zawk em em ang…Burma/UP/Bihar etc a mi sa kan lei reng thei tho si a,leina a hnai zawk fe dawn tih na
Mahse thlang an tam lutuk chuan a vulh tur vawkte ‘provide’ a huphurh awm,arte chu ‘No Problem’ an ti
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February 21st, 2010 at 10:25 am
Jhum system kalsanna atana tha ber chu Agro-forestry a ni tih hi huai takin ka sawi e. Sawi zau kher ngai lovin kan hriat hnu anih hmel e.
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February 21st, 2010 at 10:54 am
PimPom #7 & #18. ka sawi peih tawh lo. SCHOLARSHIP tih post kha chhiar rawh. chuta i la hriatthiam loh fo chuan tuisik in a mut tawp mai tur…
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February 21st, 2010 at 1:35 pm
Kan pawisa insure kan lak let theih loh chuan, keimahni ah fello a awm a ni tlangpui.
Hei hian Mizoram chhunga cheng Christian te khi an rinawm loh zia a ti chiang bok.
Company-a insure hi a process chhung a rei, tih neuh neuh angai, verify te nen lamin.. MNF sorkar in uchuak takin sorkar hna ala tawh, Hna in a adaih lo.. a hnathawk an tam lulai ltk. Heng ho hian an buaipui thei khawp ang. YMA mahin thihna (INsurance) tlawmngaiin a buaipui thei ani lawm ni? Kuang siamsak ngai an awm in, mipui te sum thawhkhawm atrang in ihee lovin a siamsak mai thin.
Hetiang chiah hian sorkar hnathawk tyhenkhat khi huikhawm se, an manage thei khawp ang. Insurance tih hian company kher tih tir angailo, Kan mizo society pawh hian kan tive thei reng.
Society/sorkarin an enkawl chuan dawt sawia claim poh a tylem deuh ang chu… YMA ah hi chuan a fair ang reng, a thih der ngawt theih silo a, anih loh pawn kuang man beiseiin lo thih zuaih theih bok si loh
A sorkar lam (Esp. Vety) pawh hi enga tih teh chek nge mawni Insurance an tih sak hian a dik lova claim hian mi dang a nghawng tih an hrelo nge an uchuak ve hrim hrim. Ka hriat pakhat(Kohhran Upa), Bawngpui hnute sor tur ngah deuh ang chi vulh tute kha.. an bawng kha, “Talh ula, a thla han la bawk ula, rawn claim ru” zuk ti a Heihi a pawi a ni tops. Sorkar in a enkawl don anih phei chuan kan vanduaina tawh cover nan chiah hmang thei hram teh reng ila aww aa
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February 21st, 2010 at 2:28 pm
Lily i post ka chhiar chhuak hman lo……. NLUP hi ram siam tum na tak tak poh a lo ni lova ….populist policy mai mai a ni tih ka chiang tawh……….
Power tiller an sem dawngtute kha he lam ah chuan politician leh mihausa tak vek an ni……
Beneficiary ah tun thlengin an la buai zui……..
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February 21st, 2010 at 4:31 pm
NLUP atan chuan agrorilvipartoral system hi a tha khawp asin. Sorkar hian apply teh se.
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February 21st, 2010 at 7:08 pm
Correction: agrosilvipastoral tih tur ani e.
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February 21st, 2010 at 9:51 pm
TH Lewin (thangliana) pawh hian A Fly on the Wheel ah khan kan pi leh pu te slash and burn tihtawp a tum tihian a ziak -
“This was, in truth, a wonderful year for me. Almost every measure of reform or improvement which I had advocated was sanctioned by Government. Chiefest among these measures, was the permission to advance small sums (aggregating, however, £4,000) to the hill people, as loans with which to purchase ploughs and cattle, and so enable them once and for ever, as I hoped, to abandon their old nomadic system of “jum” culture and to settle down to own,
and hold land, as permanent cultivators. This movement, if successful, bade fair to change the pace of the country and to permanently ameliorate the condition of the people. “
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February 21st, 2010 at 10:17 pm
pu mz. ka thianpa lehkhabu ziak ‘Zoram Vartian’ tih bu kha i chhiar ve tawh em? 2008(?) publication a ni in ka hria.MAL in comment an pe ngam miah lo ! Khami lehkhabu kha lo chhiar ve chhin teh. Mizo history a vaw chhe nual a sin. References awm thlap, kan mizo historian ho in an tawn hriat bak a research-na lehkhabu a ni ve tlat.
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February 21st, 2010 at 11:05 pm
@shai
Ka lo la chhiar hleinem ngaihven chi anih chu. Slash and burn tihtawp dan sawina forum lian tak pakhat Global Environment Facility ho buatsaih ka chhim ve tawh. Chumi hnu chuan Nagaland-a Canada ho hmalakna an document tamtak ka chhiar Delhi Jor Bagh an office-ah. An review ka hrechak khoops.
Vitenam ho style khi copy chi tak anih ka ring lo zir deuh teh u thrangthar ho hian
Ka thiam a tawp kal zelna tur erawh de re re chu hmu-in ka inhre thrin.
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February 21st, 2010 at 11:35 pm
@pu mz. i post draft ho khi lo pending zawk teh. naktukah lehkhabu chu an rawn deliver ang a, chutah chuan belh tur i nei dawn tlat in ka hria…
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February 21st, 2010 at 11:43 pm
Chinese Thufing min ti hrechhuak tlat kan NLUP leh NREGA (ni 100 inhlawhna) vel hian -
““Give a man a fish; you have fed him for today. Teach a man to fish; and you have fed him for a lifetime””
Chinese Proverb Dang chu – Link hi Click keuh la
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