Sri Lanka Microfinance Forum_Volume3_Sin

Volume 3, January 2010

MFI j, g uq o , a i e m hS u

uq o , a i em f hk k, h ú jD; l rka f ka f ldf yka o?

fu u l ,d mfha úfYaI d x.fu u l ,d mfha úfYaI d x.fu u l ,d mfha úfYaI d x.fu u l ,d mfha úfYaI d x.

NDTF i u . i Qúf YaI i ïuqL i d l ÉPd jla i u . i Qúf YaI i ïuqL i d l ÉPd jla i u . i Qúf YaI i ïuqL i d l ÉPd jla i u . i Qúf YaI i ïuqL i d l ÉPd jla 4

ksj ykksj ykksj ykksj yk u ; i sÿ jku ; i sÿ jku ; i sÿ jku ; i sÿ jk i Ql aI u uQ,H l rK n,mEui Ql aI u uQ,H l rK n,mEui Ql aI u uQ,H l rK n,mEui Ql aI u uQ,H l rK n,mEu 5

u Q,H u h ksI amd o kh i |yd u Q,H u h ksI amd o kh i |yd u Q,H u h ksI amd o kh i |yd u Q,H u h ksI amd o kh i |yd fj<|m< m¾fh aI Kfj<|m< m¾fh aI Kfj<|m< m¾fh aI Kfj<|m< m¾fh aI K 6

MFI i |yd ø jYS,;d w jo d kï l <u kdl r Khi |yd ø jYS,;d w jo d kï l <u kdl r Khi |yd ø jYS,;d w jo d kï l <u kdl r Khi |yd ø jYS,;d w jo d kï l <u kdl r Kh 7

Sri Lanka Microfinance Forum ISSN 2012-5666 fj ¿ufj ¿ufj ¿ufj ¿u 3333, , , , c kjd rs 20 10c kjd rs 20 10c kjd rs 20 10c kjd rs 20 10

Sri Lanka Microfinance Forum

ixialdrljrekaf.ka jpkhla

ó<Õ l,dmfhka laIqø uQ,H ix.ï yd tu ix.ï j, N+ñldj ms<sn| wms idlÉPd lsÍug leue;af;ka isáuq' t f y h s k a " i s h ¨ u l a I q ø u q , H jD;a;slhkag;a" kshdulhkag;a" m%j¾Olhkag iy wfkl=;a Wkkaÿjla olajk md¾Yajhkag Tjqkaf.a w;a±lSï yd woyia wm fj; tjk fuka b,a,d isáuq' cd,hka hkq tla rgl fyda m%foaYlhl laIqø uQ,HlrKfha id¾:l;ajh yd ixj¾Okhg" wjYHjk b;d jeo.;au idOlhla njg m;a ù ;sfí' Yla;su;a" m%dfoaYSh iyd Èjhsk mqrd we;s laIqø

uQ,H ix.ï u.ska laIqø uQ,HlrKfha fhfokAkka yg ;ukaf.a w;aoelSï yqjudre lrf.k fmdÿ ld¾h m%ñ;Ska f.dvkÕd m%;sm;a;s ie,iqï lrejka;=< n,mEï lsÍfuka laIqø uQ,H lafIa;%j, j¾Okhg myiqldrS;aj iemhSug yelsfõ' laIqø uQ,H lafIa;%fha id¾:l pß; lSmhla f,i SEEP, BWTP, WWB,

INAFI, iy mdlsia:dk cd,h kï lr yel' Y%S ,xldfõ ;;a;ajh l=ula o@ wmg;a cd,hla wjYH o@ thska ;uka f.a w;aoelSï yqjudre lr .ekSug YS% ,xldfõ MEI j,g fmdÿ fõÈldjla

ks¾udKhlr .; yels fõo@ tjka ix.ïj, N+ñldj l=ula o@ fïjd fuu l afIa;%fha md¾Yjlrejka úiska k.k ,o m%Yak lSmhls' tu ksid fï iïnkaO j Tfí woyiaj,g ,nk l,dmfha bv i,id §ug wms woyia lr we;af;uq' lreKdlr Tnf.a woyia" fhdackd yd w;a±lSï microfi-

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ó<Õ l,dmfha ó<Õ l,dmfha ó<Õ l,dmfha ó<Õ l,dmfha ---- laIqølaIqølaIqølaIqø uQ,H ix.uQ,H ix.uQ,H ix.uQ,H ix.ïïïï ---- Tjqkaf.a N+ñldj l=ula oTjqkaf.a N+ñldj l=ula oTjqkaf.a N+ñldj l=ula oTjqkaf.a N+ñldj l=ula o@@@@

fuf;r mqj;a

ys;j;a mdGlhdfKks"

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miq.sh udi lSmh ;=< úúO foaYSh yd cd;Hka;r rgj,aj,g wh;a laIqø uQ,HlrKfha fhfokakka" WmfoaYl-jreka" cd,hka kshdulhska" uQ,H imhk wdh;k wd§ fldgia tlu fõÈld jg f.kajd fuu lafIa;%fha we;s úúO m%Yak ms<sn| idlÉPd lr wfma w;aoelSï yqjudre lr f.k oekqu jHdma; lr .ekSug wmg yels úh' ;ukaf.a w;aoelSï wm yd fnod yod.;a ish¨fokdgu wms lD;{;djh m< lr isáuq' Y%S ,xld laIqø uQ,H ixiofha f;jeks l,dmh Tng bÈß m;a lr isáuq' fuu.ska Y%S ,xldfõ laIqø uQ,H wdh;kj,g uqo,a iemhSu ms<sn|j wjodkh fhduq flf¾' fuu wjia:dfõ laIqø uQ,HlrK lafIa;%fha b;d jeo.;a ud;Dldjla f,i uQ,H iemhSu y÷kajd we;s ksid laIqø uQ,H wdh;kj,g^MFI& uqqo,a iemhSfï úúO wx. ms<sn| idlÉPd lrk w;r fkdfhla oDIaá fldaK;=<ska tu woyia yqjudre lr.ekSug W;aid ord we;af;uq'

NDTF úiska fmd,S wkqmd;sl iSudjka y÷kajd §u fuu lafIa;%fha idlÉPd jg ,laù we;s m%Odk wx.hla njgm;a ù we;' fuu iïnkaOfhka NDTF ys Kh myiqlï ms<sn| wOHlaI;=ud jk mshodi uy;d iu. SLMFF yg iïuqL idlÉPdjla mj;ajd fuu l%shdud¾.fha miqìu ms<sn| t;=udf.a woyia yqjudre lr .ekSug yels úh' t;=udf.ka ,enQ iyfhda.hg yd iyNd.s;ajhg tu uy;dg wmf.a ia;=;sh m<lr isáuq' fuu m%ldYkhg ,sms imhd odhljQ pß; r;aj;a; uy;d" kÈrd rKndyq fukúh" ksrdþ l=ud¾ iy pkaøfiak uy;ajrekag;a wms ia;=;sjka; fjuq' úfYaIfhkau ;ukaf.a w.kd Wmfoia yd iyfhda.h wmg ,ndÿka WmfoaYl uKav,hg;a wmf.a ia;=;sh m< lr isáuq' fuhg wu;r j miq.sh udifha § SLMFF úiska fufyhjk ,o u; úpdrKfha § m%ldYkh jQ hï woyia lSmhla o wms fnodyod .ekSug leue;af;ka isáuq' fuys m%;spdrKh oelajQjkaf.ka 4 4 ] fofkla ;dlaIK fiajd imhkakka yd 3 3 ] fokd laIqø uQ,H wdh;kj,g wh;a wh jQy' Tjqkaf.ka 4 4 ] fokd mjid isáfha iajfoaYSh Kh myiqlï ,nd §u i|yd jk m%fõYhka ,sys,a lsÍu hym;a fohla nj o cd;Hka;r jHdmdr w.hkag wkqj uqo,a iemhSu i|yd jk m%fõYfhka t;rï fyd| ;;a;ajhl

fkdue;s j ;sfnk nj;a h' fï w;r 55]la mjid isáfha cd;Hka;r Kh myiqlï i|yd uqo,a ,nd§u b;d ÿ¾j, njh' ms<sfj<ska 6 6 ]" 55]" yd 55] u;= lr okajd isáfha b;sßlsÍï kshduk" úksuh md,k kshdukh yd cd;Hka;r uqo,a fhojqï wd§ lafIa;% jeä ÈhqKq l< hq;= wx. njh' tfuka u fmd<S wkqmd;sl iSudjka" laIqø uQ,H wdh;k ;sridrj /£ isàu flfrys jeä ÿrg;a wmyiq;djhg m;alrhs hkqfjka 88] woyia olajdisàu fuys jeo.;a lreKls’' fuu l,dmffha fuu l¾udka;fha kshuqjka f,i i e , f lk y d i uy r i s o a ê wOHhkj,ska ,nd.;a wo yia o we;=<;a lr we;' l=uk NdIdjlska fyda fõjd odhl uqo,a" úuiqï" woyia" ,smsj,ska odhl ùu iy wfkl=;a lreK i|yd lreKd lr microfinance.forum@ gmail.com ,smskhg okajkak' Tn ish¨ fokdgu mS%;su;a kj jirla m%d¾:kd lrk w;r iQlaIu uQ,H la-fIa;%fha kshe,S isák ieug u wfmal-aIs; jk fi!Nd.Hu;a yd úYsIag jirlg wfma iqNdisß m;ka fkuq'

Tfí wjxl ksfrdaIkS ijkdjvq iy bïrdka k*S¾

ksf rdaI d ks i jkjvq ksf rdaI d ks i jkjvq ksf rdaI d ks i jkjvq ksf rdaI d ks i jkjvq f;dr;=re ikaksfõok ;dlaIKh

$ laIqøuq,HlrKh ms<sn`o WmfoaYl

mqj;a jgh

laIqølaIqølaIqølaIqø uQ,HlrKh fjkqfjka lem jQ uQ,HlrKh fjkqfjka lem jQ uQ,HlrKh fjkqfjka lem jQ uQ,HlrKh fjkqfjka lem jQ m%:u m%:u m%:u m%:u laIqølaIqølaIqølaIqø nexl= tallhla nexl= tallhla nexl= tallhla nexl= tallhla HNB újD; újD; újD; újD; lrhs' lrhs' lrhs' lrhs' .ï m%foaYj, ck;djg <Õd úh yels uQ,H fiajdjka ks¾udKh lrk —mqnqÿj˜ fmdfrdkaÿjQ mrsos kdj,smsáh Pkao fldÜGdYfha l=rekaÿj;af;a HNB iQlaIu uQ,H tall msysgq ùfuka bgqlr § we;' uQ,H myiqlï ;dlaIK oekqu yd wf,ú lsÍfï ms<sfj< wd§ foaj,a .fï m%cdjg ,nd§u we;=¿ jHdma; jQ meflachla bÈßm;a lsÍu fuu uq,msÍfï W;aidyfha ixl,amh fõ' Y%S ,xld Y%S ,xld Y%S ,xld Y%S ,xld laIqølaIqølaIqølaIqø uQ,HlrK l¾udka;fha uQ,HlrK l¾udka;fha uQ,HlrK l¾udka;fha uQ,HlrK l¾udka;fha 2009 jd¾;dfõ isxy, yd fou< 2009 jd¾;dfõ isxy, yd fou< 2009 jd¾;dfõ isxy, yd fou< 2009 jd¾;dfõ isxy, yd fou< mßj¾;k msgm;a oeka ,nd.; yel'mßj¾;k msgm;a oeka ,nd.; yel'mßj¾;k msgm;a oeka ,nd.; yel'mßj¾;k msgm;a oeka ,nd.; yel'

m%:u j;djg Y%S ,xld laIqø uQ,HlrK lafIa;%fha úia;rd;aul jd¾;dj isxy, fou< yd bx.%Sis NdId j,ska ,nd.; yelsù ;sfí' fuu jd¾;d http://www.

micro fi na nc e. lk /g tz pu bl i c .ph p hkq ,smskh Tiafia wka;¾cd,fhka Nd.; yel' uqøs; jd¾;d msgm;a ProMis ld¾hd,h" 16 jk uy," BiaÜ gj¾" f,dal fj<| uOHia:dkh" fld<U 01 ,smskfhka ,nd.ekSug mq¿jks' ^www.microfínance.lk) Y%S ,xldfõ Y%S ,xldfõ Y%S ,xldfõ Y%S ,xldfõ laIqølaIqølaIqølaIqø uQ,H iemhSu i|yd uQ,H iemhSu i|yd uQ,H iemhSu i|yd uQ,H iemhSu i|yd kj wdh;khla kj wdh;khla kj wdh;khla kj wdh;khla remsh,a ì,shk tlish úismyl muK wdikakj ;lafiare lr we;s laIqø uQ,H i|yd oejeka; b,a,Sïj,g ms<sfj<la

fhdod .ekSu msKsi YS% ,xldfõ b;d <Õ §u .af,dan,a g%iaÜ *hskEkai,a i¾ùiia ,sñgâ ^Global Trust Finan-cial Services Limited) kï kj wdh;k hla ia:dms; lsÍug kshñ; h' tys l<ukdlrK wOHlaI iqika; m%kdkaÿ uy;dg wkqj uQ,H wdh;khla jYfhka l%shd lsÍu i|yd jk wkque;sh fuu wdh;kh uy nexl=fjka wfmalaId lr isà' uQ,dY%h -http://www. sundaytimes. lk/ 091018/FinancialTimes/

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(3 jeks msgqjg)

bïrdka k*S¾

laIqøuq,HlrKh ms<sn`o WmfoaYl


mqj;a jgh

laIqø uQ,H l<ukdlrK ixj¾Okh

msKsi mqyqKq lrejka mqyqKq lsÍfï

jevigykla 2009 fkdjeïn¾ 16 isg 21

olajd fld<U § meje;aúKs' fuu je-

vuq¿j" ol=Kq wdishdfõ MFI j,ska

f;dard.;a iyNd.sjkakka i|yd laIqø

uQ,H lrK kdhl;aj uOHia:dkh

úiska ^WWB& mj;ajkq ,eîh'

Y%S ,xldfõ m%:uj;djg iudc ld¾h

l<ukdlrK jevuq¿jla (Social Per-

formance Management) 2009

fkdjeï n¾ 25-28 Èkj,§ DF úiska

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ProMis jHdmD;sh iy bkaÈhdfõ EDA

Rural Systems (Pvt) Ltd wdh;kj,

úfYaI iyfhda.h u; mj;ajkq ,eîh'

tu jevuq¿jg MFI wdh;k 8lska

meñKs ksfhdað;hska iy Nd.s jqy'

(2 jeks msgqfjka)

m qy qK qm qy qK qm qy qK qm qy qK q ::::---- 1. IMF i|yd uQ,Huh úYaf,aIKh

yd .sKqïlrKh ûd¾;= 9-11"

2010 fld<U&

2. wNHka;r md,kh yd wjodkï

mokñka hq;a wNHka;r

ú.Kkh

ûd¾;= 15-18" 2010 fld<U&

f;dr;=re i|yd

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laIqølaIqølaIqølaIqø uQ,H wdh;k we.hSu yd uQ,H wdh;k we.hSu yd uQ,H wdh;k we.hSu yd uQ,H wdh;k we.hSu yd

wdfhdack mqyqKq jevigykwdfhdack mqyqKq jevigykwdfhdack mqyqKq jevigykwdfhdack mqyqKq jevigyk

2010 fmnrjdrs 8 - 10" bkaoshdfõoS

laIqølaIqølaIqølaIqø uQ,H iuQ,H iuQ,H iuQ,H iïïïïffffïïïï,kh" 2010,kh" 2010,kh" 2010,kh" 2010

2010 fmnrjdrs 14 - 16" fkamd,fhaoS

laIqølaIqølaIqølaIqø uQ,H wdh;k i|yd uQ,H wdh;k i|yd uQ,H wdh;k i|yd uQ,H wdh;k i|yd

wdfhdack ,nd.ekSfwdfhdack ,nd.ekSfwdfhdack ,nd.ekSfwdfhdack ,nd.ekSfïïïï iqodku" iqodku" iqodku" iqodku"

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2010 fmnrjdrs 10 - 12" bkaoshdfõoS

foaYSh yd cd;Hka;r mqyqKq yd jevigyka

.%dóka f*daka wdh;kfha fldgia fj<| .%dóka f*daka wdh;kfha fldgia fj<| .%dóka f*daka wdh;kfha fldgia fj<| .%dóka f*daka wdh;kfha fldgia fj<| m, .uk' m, .uk' m, .uk' m, .uk' 2006 fkdan,a idu ;Hd.hg ysñlï mE fudyuâ hqkqia úiska ks¾udKhjQ laIqø uQ,H lafIa;%fha oejeka; wdh;k hlajk .%dóka nexl=fjka iykOdr,dNS wdh;khlajk .%dóka fg,sfldï wdh; kf ha 3 8] fldgia ysñ wdh;kh .%dóka f*daka wdh;kh fõ' fuu wdh;khg nx.,dfoaYa rfÜ b;d fõ.fhka j¾O kh jk ñ,shk 46 cx.u mdßfNda.sl hkaf.ka ñ,shk 21l mokula we;' wdodhï w;ska n,k l,ays fuh rfÜu b;d úYd, fm!oa.,sl wdh;khls' .%dóka f*daka wdh;kfha IPO j trg b;sydifhau fm!oa.,sl nexl==jla fuhg fmr msysgqjd ;snQ jd¾;dj isõ .=Kh lska ì|fy¿ nj vld fldgia fj<| fmdf<a iNdm;s rlsí W,a ryaudka mejiSh' uQ,dY%h ( (http://www.dailymirror.lk/DM_BLOG/Sections/frm News Detail-View . aspx?ARTID=63614

SMS mdol mdol mdol mdol laIqølaIqølaIqølaIqø uQ,HlrKh moaO;s uQ,HlrKh moaO;s uQ,HlrKh moaO;s uQ,HlrKh moaO;s hla ksrdjrKh fõ' hla ksrdjrKh fõ' hla ksrdjrKh fõ' hla ksrdjrKh fõ' MFI j,g ;ukaf.a iïmQ¾K l%shd ldrS;ajhg cx.u ÿrl:k yd cx.u mß.Klhla u.ska fufyhjk kj moaO;shla ksrdjrKh lr we;' ‘Frontli-neSMS: Credit’ moaO;sh SMS tl;= lrk uDÿldx. iy cx.u jdksc bÈßm;a lsÍï taldnoaOj MFI j,g Kh ksl=;a lsÍu yd tu Kh fidhd ne,Sï jeks lghq;= is¥ lsrSug fuu moaO;sh ksmojd we;' th Frontline SMS kï fkdñf,a ,efnk újD; uQ,dY% uDÿ ldx.hla jk w;r ta u.ska w;ska f.k hd yels mß.Klhla yd cx.u ÿrl: khla ikaksfõok uOHia:dkhla f,i mßj¾;k l, yels h' th msysgqùfuka miq GSM reyeka rys; (wireless) ÿr l:k cd,h Tiafia m%;s,dNSka ;ukaf.a cx.u ÿr l:kh u.ska lKavdhïj,g mKsjqv ,nd .ekSug fyda heùug uÕ mEfoa'

tu fjí wvúhg wkqj" iEu úêu;a uQ,H lafIa;% fiajdjkau ÿmam;a jHjid hlhskag wlaIr 160la fyda wvq uÜg ñka ,nd§ug FRONTLINE SMS :

CREDIT wruqKq fldgf.k we;' fuu; kj jHdmdrh" ksoyia yd iEu mqoa., hl=gu <Õdúh yels uQ,dY%j,ska iys; uQ,H fudähq,a fm<la f.dvkÕd tu.ska ienE ld,fha§ u cx.u f.ùï l%u ikaksfõo k lsÍug FRONTLINE

SMS j.n,d.kshs' fuys ks¾ud;D jrhdf.a u;h wkqj fuu l%uh laIqø uQ,H l<ukdlrK f;dr;=re moaO;s hla fukau jegqma ,ehsia;=" laIqø rlaIK jdßl yd f.ùï /ia lsÍï yd fnod yeÍï" Kh ú;a;s yd fnod yeÍï wd§ foaj,g Frontline SMS mßj¾;kh lsrSug n,dfmdfrd;a;= fõ' uQ,dY%h ( http://www. finextra.com/full story. asp?id=20616 bkaoSh bkaoSh bkaoSh bkaoSh laIqølaIqølaIqølaIqø uQ,H wdh;k msysgqùu uQ,H wdh;k msysgqùu uQ,H wdh;k msysgqùu uQ,H wdh;k msysgqùu i|yd jQ Kh Ndrldr uKav,hi|yd jQ Kh Ndrldr uKav,hi|yd jQ Kh Ndrldr uKav,hi|yd jQ Kh Ndrldr uKav,h laIqø uQ,H wdh;k 25la tlaj we,a*d kue;s Ndrldr uKav,hla msysgd we;' fuhska laIqø uQ,H lafIa;%h i|yd lem jQ yhsud¾la keue;s Kh ld¾hdxYhla msysg ùug kshñ; h' we,a*d wdh;khg kdhl;ajh BASIX wdh;kfha iNdm;s úfþ ufkdcka iyd bl=úgdia uhsfl%da *skEkaia Êquitas Microfinance) l<ukdlrK wOHlaI mS. tka. jdiqfoajka hk uy;ajreka úiska orKq ,efí'

uQ,dY%h( http://www.dnaindia.com/money/report_credit-bureau-for-mfis-in-

making_1296640

È<s÷ ck;dj i|yd Kh ms<sn| fmd<S È<s÷ ck;dj i|yd Kh ms<sn| fmd<S È<s÷ ck;dj i|yd Kh ms<sn| fmd<S È<s÷ ck;dj i|yd Kh ms<sn| fmd<S wkqmd;sl iSudjkag wkqmd;sl iSudjkag wkqmd;sl iSudjkag wkqmd;sl iSudjkag RBI tfrys fõ'tfrys fõ'tfrys fõ'tfrys fõ' laIqø uQ,H wdh;k úiska whlrk ,o widOdrK wkqcd;sl ms<sn| j bka§h uy nexl=j;a fcHIaG rcfha ks<OdÍkq;a ie,ls,su;a ù we;s w;r uy nexl=j fmd,S wkqmd;sl ms<sn| iSudjkag úreoaO;djh okajd we;' laIqø uQ,H

wdh;k úiska wh lrk ,o wê fmd<S wkqmd;slh ms<sn| m%YaKh W.% ùf.k hk w;r ol=Kq bkaÈhdfõ hï hï m%foaYj, nyqúO Kh ,nd §fï wjia:djka o olakg ;sfí' laIqø uQ,H mK; iïu; j jydu laIqø uQ,H wdh;k úiska Kh ,nd§u ms<sn| wh flfrk wkqmd;slh u; iSudjka muqKqùfï wjia:dj t<öfï iïNdú;djhla ;sfí' kS;s iïmdok wud;HxYh úiska —fuu fhdð; mKf;a flgqïm; ksud fjñka mj;s' tu flgqïm; ilia lsÍfï lghq;=j, fh§ isák ks,Odßfhla mjikafka fuu mK; uÕska fmd<S wkqmd;slh ms<sn| wjYH ud¾f.damfoaYhla iemfhk n,h rchg ,efí˜ hkakh' uQ,dY%h ( http://www.dnaindia.com/money/report_rbi-against-interest-rate-

cap-on-loans-to-poor_1298716 È<s÷ ck;djg uQ,Huh m%fõYhla È<s÷ ck;djg uQ,Huh m%fõYhla È<s÷ ck;djg uQ,Huh m%fõYhla È<s÷ ck;djg uQ,Huh m%fõYhla ms<sn| wOHhk jHdmD;shla ms<sn| wOHhk jHdmD;shla ms<sn| wOHhk jHdmD;shla ms<sn| wOHhk jHdmD;shla IMF úiska úiska úiska úiska m%ldYhg m;a lr we;'m%ldYhg m;a lr we;'m%ldYhg m;a lr we;'m%ldYhg m;a lr we;' È<s÷Ndjh wju lsÍfï wruqKska hq;a m%;sm;a;sj,g Wojq lsÍu msKsi uQ,Huh fiajdjkag <.dùu ms<sn| j o;a; /ia lsÍfï c.;a uÜgfï jHdmD;shla cd;Hka;r uQ,H wruqo, m%ldYhg m;a lr we;' tu jHdmD;sh hgf;a Kh my-iqlï" ;ekam;=" Kh iq/l=ïm;a iy rlaIK ms<sn| j" l%udkql+, mokñka rgj,ska o;a; /ialrñka uQ,H fiajdjkag mq¿,a jYfhka <Õdùfï m%;sm;a;sj, m%uqL;djh ;SrKh lsÍu i|yd WmldÍùug kshñ; h' uQ,dY%h( http://ae.zawya.com/Story.

cfm/sidANA20091005T095448ZFLX91/IMF%20announces%20project%20to%20study%20financial%20access%20for%20poor

tf;r mqj;a


idlÉPd uKavmh

rcfha wdh;khla jYfhka 1991§ msysgq jk ,o cd;sl ixj¾Ok Ndrldr wr uqo, (NDTF) wOHlaI uKav,hla úiska l<ukdlrKh lrkq ,efí' tu kñka wemldr iud.ula f,i wdishdkq i x j ¾Ok n e x l = fjk a ( A D B ) uq,HdOdr ,nd tu.ska laIqø uQ,H wdh;kj,g (MFI) fmdÿ Kh myiq lï ,nd§u msKsi 2003 § ixia:dmkh lrkq ,enqfõh' laIqø uQ,H lg hq;= j,oS iajhx md,khla fufyhjhs'

Kh iy Kh fkdjk wdOdr imhñka Y% S ,xldfõ laIqø uQ,H flaI;%h ixj¾Okh lsÍu Wfoid NDTF wdh;kh b;d wk.s msgqjy,la jQfha h' laIqø uQ,H wdh;k (MFI) fufia wdOdr ,nd .ekSfuka wk;=re j tu lafIa;%%h iajlSh wNsjDoaêh ixj¾Okh lr .ekSug yels jQ w;r n,j;a yelshdjla i;= lr f.k we;' j¾; udkfha NDTF wdh;kh yjq,a ixú Odk 250la tla j lghq;= lrhs' flfia fj;;a uE;l § NDTF wdh;kh laIqø uQ,H wdh;kj,g imhk ,o fmdÿ Kh myiqlï i|yd ^ySkjk fYaIh u;& 15] la fmd<S wkqmd;sl iSudjla y÷kajd § we;' wkfmalaIs; jQ fuu mshjr bÈßm;aùfuka Y% S ,xldfõ laIqø uQ,HlrKfha iuyr jD;a;sl hska fuu mshjr ms<sn| j ;ukaf.a lKiai,a, m< lr isáhy'

fuu lafIa;%fha j¾;udk wjYH;d yd m%Yak ms<sn|j .fõIKd;aulj yd úi÷ï fiùu i|yd ixjdo fõÈldjla bÈßm;a lrk Y%S ,xld uQ,HlrK ix-ioh (SLMFF) fuu fmd<S wkqmd;sl iSudjka ms<sn| we;=,dka;h oek .ekSu iïnkaOfhka cd;sl ixj¾Ok Ndrldr wruqof,a (NDTF) Kh myiqlï ms<sn| wOHlaI mshodi uy;d iu. ms<si|rl fhfok ,oS'

SLMFF: fuu fmd<S wkqmd;sl iSudfõ wruqK l=ula o@ NDTF: m¾hka; Kh,dNshd i|yd jk fmd<S wkqmd;slh wvq lsÍfï rcfha m%;sm;a;shg wkqj fuu ;SrKh 2009 cQ,s udifha § .kakd ,§' wms fiajh lrkafka fuu rfÜ wka; ÿ.S ckhdg

yd laIqø jHjidhl wdh;k i|ydu h' laIqø jHjidhl jHdmdrhla fufyhjk ÿmam;a mqoa.,fhl=g laIqø uQ,H wdh;khg úYd, m%udKfha wkqmd;slhla f.ùug wmyiq h' yjq,a ixúOdk 20] iu;, fyda 30] ySkjk fYaIh u; fmd<S wkqmd;slhla whlr .ks;s' fuys taldldÍ njla fkdfmfka'

iq¿ mßudKfha jHjidhl mqoa.,fhla 30]la Y=oaO w;sßla;hla fuu fmd<sh i|ydu muKla Wmhd.; hq;=j we;' ,efnk M,h ,dNhla bmehS ug ;rï m%udKj;a fkdjk fyhska ;u jHdmdrh ;sridrj mj;ajd .ekSfï§ ÿIa lr;djhkag uqyqK §ug isÿfõ' wfma wruqK jkafka m%Odk jYfhka iq¿ mßudK jHjidhlhskag ^wfma wr uqof,a m¾hka;,dNSkag& iykhla ie, iSu h'

SLMFF: NDTF ka Kh ,nd .kakd laIqø uQ,H wdh;kj, m%;spdr flfiaù o@

NDTF: fï ms<sn|j ñY m%;spdr hla ,eî we;s kuqÿ th t;rñ nr m;, fkdjk nj ug lsjyelsh' úfYaIfhka NDTF wruqo,a yd wvq fmd<S wkqmd;sl hg l%shd lsÍfï § ;ukag ÿIalr;dj hka mek kÕsk nj iuyr úYd, laIqø uQ,H wdh;k wmg oekqï § ;sfí' flfia fj;;a fujeks iuyr laIqø uQ,H wdh;k yereKq úg wfkl=;a wh j¾Ihg 15] g;a wvq fmd<S wkqmd;sl hg ;ukaf.a Kh ,dNSka i|yd m%;suQ,H myiqlï NDTF f.ka È.gu ,nd.kS' iq¿ mßudKfha yjq,a ixúOdk yd wmg .eg¿jla ke;' wfma wruqK fu jeks .ï uÜgfï iq¿ ixúOdk jeä ÈhqKq lsÍuh' úYd, MFI wdh;k fmd<S wkqmd;sl jeä lsÍu ;ukag we;s tlu úiÿula f,i is;d lghq;= fkdl< hq;= h' ;ukaf.a fufyhqï msßjeh wvqlsÍu msKsi Tjqkag l%shdl<yelsh' fï i|yd wjYH mqyqKq lsÍu iïnkaOfhka NDTF

fhka jl%j wdOdr ,nd.; yelsh' oekgu;a iuyr MFI wdh;k wmf.a wruqo,a ld¾hlaIu j fhdod .ekSu

i|yd uq, msÍï rdYShla wmg bosrsm;a lr we;' Tjqka ;ukaf.a Kh myiqlï l=uk whqßka fjkalr ls%hdlrkafka o hehs lSjd kï" m<uq Kh myiqlï NDTF wruqo,ska o fjk;a Kh ud¾. j,ska ,nd .kakd wruqo,ska B<Õ Kh myiqlï o ,nd fo;s'

SLMFF : fuu fmd<S wkqmd;sl iSudj j,x.=jkafka ljod isgo@ NDTF : cQ,s 01" 2009

SLMFF : fuh wod< jkafka w¿;a Kh i|yd o ke;fyd;a w¿;a yd oeka mj;sk Kh myiqlï i|yd o @ NDTF : w¿;a Kh i|yd muKs' SLMFF: fuh wod< jkafka Tn wdh;kfhka ,nd .;a Kh i|yd muKlao@ NDTF : wfmka iemfhk uQ,H wdOdr i|yd muK hs' fuu lafIa;%fha lghq;= lrk tlu rcfha wdh;kh NDTF muK h' tfiau fmd<S wkqmd;slh wvq lsÍu rcfha m%;sm;a;shla o fõ'

SLMFF : mj;sk ;;a; a jhk a ie,ls,a,g .;fyd;a" 8] wdka;slhla MFI wdh;kfha ;sridr meje;aug m%udKj;a nj Tn is;kafka wehs@

NDTF : úYd, MFI wdh;kj,g fuu 8] fmd<S úia;drh wdka;slùug fya;=j Tjqka ;ukaf.a m%;s,dNSkag ,nd fok fjk;a wdOdrj, msßjeh b;d wêl h' kuq;a" th iq¿ mßudKfha .%dóh ixúOdk i|yd m%udKj;a h' MFI wdh;k ;ukaf.a Kh jevigyka ld¾hlaIu j yd M,odhS f,i ls%hdjg kexúh hq;= h' tu.ska Tjqkaf.a ls%hdkaú; msßsjeh wvq lr .ekSug yels fõ' wdikak n,mEï wêl jQj;a È.=ld,Sk j is;k l,ays iqjodhS yd ld¾hlaIu laIqø uQ,H lafIa;%hla tu.ska YS% ,xldfõ ks¾udKh fõ'

^8 jeks msgqjg&

c d ;sl i x j¾Ok N d rl d r w ruqo , i u . i QúfY aI i ïu qL i d l ÉP d jlac d ;sl i x j¾Ok N d rl d r w ruqo , i u . i QúfY aI i ïu qL i d l ÉP d jlac d ;sl i x j¾Ok N d rl d r w ruqo , i u . i QúfY aI i ïu qL i d l ÉP d jlac d ;sl i x j¾Ok N d rl d r w ruqo , i u . i QúfY aI i ïu qL i d l ÉP d jla

t, at, at, at, a 'ta'msh odi 'ta'msh odi 'ta'msh odi 'ta'msh odi

w OHl aI w OHl aI w OHl aI w OHl aI ---- K h m y iql ï K h m y iql ï K h m y iql ï K h m y iql ï

cd; s l ixj ¾O k Ndrl d r wr uq o , (NDTF)

—fï m s <s n|j ñ Y m % ;s pdrhl a

, eî we; s k uq ÿ t h t ; rñ

nr m ; , f kd jk n j ug l s jy el s h'

úfY a Ifh ka NDTF wr uq o , a y d wvq fm d <S wkq m d; s l hg

l % s hdls Ífï § ; uka g ÿ Ia l r; djh ka

m ek kÕ s k nj iuy r úY d,

iQ l a Iu uQ , H wd h; k wm g o ekq ï § ; s fí˜'

prs; r;aj;a;prs; r;aj;a;prs; r;aj;a;prs; r;aj;a; YS% ,xld jHdmdr ixj¾Ok YS% ,xld jHdmdr ixj¾Ok YS% ,xld jHdmdr ixj¾Ok YS% ,xld jHdmdr ixj¾Ok

uOHia:dkhuOHia:dkhuOHia:dkhuOHia:dkh

fu u ; ; a ;a j h j e ä È hq Kq fõ

k ï " laIqø u Q ,Hl r K w dh; k h u q o ,a ,nd fo k b ; d j e o . ; a

u Q ,dY % hl g u . mE fo hs ' fu h ,nd . e k S u g k ï w mg k j

j Hj ia :d w j Y H k e ; ' o e k g mj ; s k j Hj ia :d mu Kl a

iï mQ ¾ Kfhk a u l s% hd; a u l fõ

k ï " Y S% ,x l dfõ laIqø u Q ,Hl r K w dh; k hg

u q o ,a ,nd§ u i| y d j k o e k g w e ;s y s Õ lu b ; d iq ¿ m% Y a k hla

nj g m; a fõ ú '˜

(MFI) laIqølaIqølaIqølaIqø uQ,H wdh;k úiska ;ekam;= iÔùlrKh lsÍu uQ,H wdh;k úiska ;ekam;= iÔùlrKh lsÍu uQ,H wdh;k úiska ;ekam;= iÔùlrKh lsÍu uQ,H wdh;k úiska ;ekam;= iÔùlrKh lsÍu

;ukaf.a idudðlhska w;r laIqø jHjidh ckkh lsÍu msKsi j.lSulska hq;= Kh ixialD;shla" wdfhdackhla iy fuu wruqo,a Kh ,nd §u i|yd idudðlhska f.ka ,nd .;a ;ekam;= laIqø uQ,H wdh;k iÔùlrKh l< hq;= j we;' YS% ,xld uy nexl=fõ uQ,H iNdj 76

(A) (1) (E) j.ka;sfha fr.=,disj,g

wkqj 1988 wxl 30 uq,a nexl= mk; ixfYdaOkh lrk 1995 ys wxl 30 jeks nexl= ixfYdaOk mk;g wod< nexl= mk;g wkqj n,m;% fkd,;a jdKsc nexl= fkdjk" uQ,H wdh;k fkdjk" iuQmldr iñ;s fkdjk" f.dvke.s,s iñ;s fkdjk wdh;k ;ukaf.a idudð lhskaf.ka l=uk fyda mk; hgf;a we;s lrk ,ÿj ,dNdxY wruqKlska fkdue;s kï" ;ekam;= ,nd .ekSug

fyda wdfhdackh lsÍug fyda Kh ,nd §ug ,sÅ; j wkque;sh Èh yels h' fuu úêúOdk ls%hd;aulùug yelsjk fia kS;sÍ;s ie,iqï lsÍu msKsi nexl= mk;ska Yla;su;a jQ wkqnoaê; jHjia:dfjka fr.=,dis uy nexl=j úiska ilia l< hq;= h' fuu úêúOdk ilia lrk ,oafoa fr.=,dis rduqj ie,iqïlrK wjia:dfõ mj;sk wvqmdvq y÷kd .ekSug úfYaIfhka u mkjk ,§' fuu úêúOdkj,g wkqj i¾fjdaofha

SEEDS wdh;kh YS% ,xld uy nexl=fõ

wkque;s ,smshla ,ndf.k we;s nj o l,lg fmr tjka wkque;sh i|yd w¾:p¾hd wdh;kh b,a,Sï l< nj;a YS% ,xld uy nexl=fõ uQ,H iNdj tu b,a,Su wjodkhg ,la lr we;s nj;a oek.kakg ,eî ;sfí'

fkdfhla laIqø uQ,H imhkakkag kS;Hdkql+, j ;ekam;= lsÍu .eg¿jla ù ;sfí' —fuu ;;a;ajh jeä ÈhqKqfõ kï" laIqø uQ,HlrK wdh;kh uqo,a ,nd fok b;d jeo.;a uQ,dY%hlg u. mEfohs' fuh ,nd .ekSug kï wmg kj jHjia:d wjYH ke;' oekg mj;sk jHjia:d muKla iïmQ¾Kfhkau ls%hd;aulfõ kï" YS% ,xldfõ laIqø uQ,HlrK wdh;khg uqo,a ,nd§u i|yd jk oekg we;s ysÕlu b;d iq¿

m%Yakhla njg m;a fõú'˜

prs; r;aj;a;prs; r;aj;a;prs; r;aj;a;prs; r;aj;a;

YS% ,xld jHdmdr ixj¾Ok uOHia:dkhYS% ,xld jHdmdr ixj¾Ok uOHia:dkhYS% ,xld jHdmdr ixj¾Ok uOHia:dkhYS% ,xld jHdmdr ixj¾Ok uOHia:dkh


miq.sh Y;j¾I ld,jljdkqfõ zuQ,Huh

ixj¾Ok yd wd¾Ólj¾OkZ lafIa;%fha

laIqø uQ,HlrKh b;d jeo.;a u uq,

msÍula úh' .ï m<d;a jf.au kd.ßl m%

foaYj, o iq¿ jHjidh lghq;= fhdackd

i|yd wdfhdackj,g uq, msÍfuka .u

ixj¾Ok yd È<sÿNdjh wju

lsÍu ;=<ska ;sridr wd¾Ól j¾Okfha

ld¾hlaIu WmlrKhla f,i mq¿,a

jYfhka ms<s.kakd ,§' b;d uE;l §

wvq wdodhï,dNSkag hym; wruqKq

fldg.;a wd¾Ól ixj¾Ok m%fõYhla

f,i o" È<s÷ nj wju lsÍu" m%

ñ;sßNdjfha iudk;djhg iyfhda.h

oelaùu" jeämqr iudk;djhlska wdodhï

fnod yeÍu i|yd Èß .ekaùu" fm!

oa.,sl wxYh jeä ÈhqKq lsÍu yd

iyNd.S;aj ixj¾Okh m%j¾Okh lsÍu

we;=<;a iyi%fha ixj¾Ok b,lal

(MDG) idOkh lsÍu msKsi b;d

hym;a u.la f,i o ixj¾Ok wd¾Ól

úoHd{hska laIqø uQ,HlrKh wjOdrKh

lr isáhy'

m%uqL;djh Èhhq;= uQ,sl wjYH;djhla

f,i ksjykla ie,ls,a,g Ndckh jqj

o ksjykla Khg ,nd .ekSu (BHH)

j¾Okh lsÍfuys,d laIqø uQ,H lr Kh

n,mEï we;s l< hq;= h' flfia fj;;a"

ksjyka flfrys laIqø uQ,H lrKfha

n,mEï ms<sn|j m¾fhaIl hska fuf;la

l,a ;u Wkkaÿj fhduq lr ke;' fuu

mr;rh;a iu. laIqø uQ,HlrKh yd

ksjyk" laIqø uQ,H lrKfha kj;u

lafIa;%hla njg m;a j we;' tfyhska

laIqø uQ,HlrK jevigykaj, ksjyka

j¾Okh lsÍfï YlH;djh ms<sn|

we.hSug ,la lsÍu b;d jeo.;a h'

Y S % , x l d f õ ol = K q m < d f ; a

ksjyka ;;a;ajh jeäÈhqKq lrk laIqø

u Q ,HlrK jevigyka fl;rï

ld¾hl aIuoeh s úY af, aIK l sÍu

j¾;udk wOHhkfha wruqKfõ'

m%Odk fmf<a cd;sl ;,fha we;s laIqø

uQ,HlrK wdh;kj, (MFI) m%;s,dNSka

405 fofkla ms<sn| j fuu wOHhk

mokï fldg ilid we;' tkï"

uQ,Huh iuqmldrj,ska iliqrejï iy

Kh myiqlï iuQmldr (TCCS)" rch

úiska fmdaIKh jk iuDoaê nexl= iñ;s

(SBS)" w¾O rdcH wdh;kj,ska reyqK

ixj¾Ok nexl=j (RDB)" rdcH fkdjk

wdh;kj,ska i¾fjdaoh wd¾Ól

jHjidh ixj¾Ok iñ;s (SEEDS)"

fuu m¾fhaIKh wruqKq i|yd jirlg

fkdjeä ld,hla laIqø uQ,HlrKh

iu. idudðl;ajhla fkdue;s oekg

isák .%dylhskaf.a ksjyka lKavd-

hïj, idfmalaI;djh (CHH) úuid

n,kq ,eîh' miqj y÷kd.;a

lKavdhu" ;j;a wkq lKavdhï folg

tkï" BHHsG2 ^laIqø uQ,HlrKh u.

idudðl;ajh 1-4 jir ;=<& f,i

o ;j;a lKavdhula BHHsG3îQlaIu

uQ,HlrKh iu. idudðl;ajh jir 4

g jeä& f,i o kï flßKs' o¾Ylhka

f,i jdiia:dkfha bvlv" ksjy-

fka ;;a;ajh yd mÈxÑ ù we;s ksjdifha

j¾;udk fjf<|fmd< jákdlu wd§

hk n,mEï we.hSï lghq;= i|yd

Ndckhg ,laúKs' ksjeishka fomsßi

(BHHI iy CHH) i|yd ishü

úp,Hhkaj, idudkH ix.%y n,mEï

(ATE) weia;fïka;= lrk ,§'

o;a; úYaf,aIK mokug wkqj laIqø

uQ,H Kh myiqlï" Khg ,nd .;a

ksjykaj,g ;ukaf.a ksjfia ;;a;ajh

jeä ÈhqKq lsÍu i|yd hym;lau isÿlr

we;s nj l;Djrhd úiska

ksjdi ;;a;ajh ms<sn| ishü o¾Yl

fhdod fidhd .kakd ,§' ^fuhg

jyf,a ;;a;ajh we;=<;a fkdfõ'& tkï"

jdiia:dkfha bvlv" mÈxÑ ù isák

ksjdifha oekg mj;sk fjf<|fmd<

w.h hkq" o¾Ylhka WodyrKhla

jYfhka" BHHG3 mÈxÑ ksjil bvlv

m%udKh ATE ^Y=oaO w.fha jákdlu&

j¾. wä 124'4 jQ w;r fuh CHH

ksjilg jvd 20'3] jeämqr nj

fmkS .sfha h' fï w;r" BHHsG3 mÈxÑ

ksjdij, 85'1] la ì;a;s lmrdre l<

me;s ì;a;s iys; j ;snqK o" BHHsG2

j, tfia lmrdre l< ì;a;s 71'5] o

CHHs j, tu m%;sY;h 42'3] olajd o

wvq ù ;snqKs' fuhg wu;r j BHHsG3

ksfjiaj, m%;sY;h 9] la yd BHHsG2

ksfjiaj, m%;sY;h 15'1] la o

fmf<djg f.du fhdod ;snqKq w;r

CHH j,g wh;a ksfjiaj,ska m%;sY;h

30'9] olajd f.du fhdod ;snqKs' wjidk

jYfhka mÈxÑ ù isák ksjdij,

fjf<|fmd< jákdlñka m%;sl%uK

úYaf,aIKfhka fmkS .sfha" wdlD;sfha

wfkla ishü úp,Hhka ksh;j

mej;sfha kï" Kh myiqlïj, tall

tll j¾Okh BHHsG3 ksfjiaj,

jákdlñka tall 4 l jeä lsÍula we;s

jk nj h' fuhg yd;amiskau fjkila

f,i" Kh myiqlïj, tallhla jeäfõ

kï" BHHsG2 ksfjiaj, jákdlñka

2'2 j¾Okhla muKhs

olakg ,efnkafka' fuu úYaf,aIKfha

mokug wkqj" laIqø uQ,H

jD;a;slhska ;ukaf.a iq¿ mßudK

wd¾Ól ñkqï oKavla f,i ksjdi Kh

fhdackdj,g iDcqju uQ,H iemhqj o

BHH ksjyka CHH yd ii|d n,kúg

fuys jl%j fhfok laIqø uQ,HlrK

wdh;k hym;a n,mEula we;s lrhs'

fuu wOHhkfha iïmQ¾K jd¾;dj l;Df.ka ,nd .; yel' ta'fca'tï' pkaøodi ta'fca'tï' pkaøodi ta'fca'tï' pkaøodi ta'fca'tï' pkaøodi fcHIaG l:sldpdhœ

wd¾:sl wxYh

reyqKq úYaj úoHd,h

[email protected]

laIqølaIqølaIqølaIqø u Q, H lr K h yd ksj yk ( Y S% , xl dfõ o l =K q m < df;a u Q, H lr K h yd ksj yk ( Y S% , xl dfõ o l =K q m < df;a u Q, H lr K h yd ksj yk ( Y S% , xl dfõ o l =K q m < df;a u Q, H lr K h yd ksj yk ( Y S% , xl dfõ o l =K q m < df;a laIqølaIqølaIqølaIqø u Q, Hl r K j e vigyk u Q, Hl r K j e vigyk u Q, Hl r K j e vigyk u Q, Hl r K j e vigyk iï n kaO n, mE ï ;lafiar e j iï n kaO n, mE ï ;lafiar e j iï n kaO n, mE ï ;lafiar e j iï n kaO n, mE ï ;lafiar e j

—o ; a ; ú Ya f,a I K mo k u g w k q j iQ l a I u uQ ,H Kh my iq l ï " Khg ,nd . ; a k s jy ka j ,g(BHH) hy m; l a u is ÿ l r w e ; ' k sj difha mj ; s k ; ;a ;a j h ^fu h g j y f,a ; ; a ;a j h w e ; = <;a fk dfõ & tk ï " j d iia :dk fha b v l v " fj f< | fmd< w . h j e k s is h¨ u o ¾ Y l mÈ x Ñ ù is ák k sj difha o e k g mj ; s k ; ;a ;a j h j e ä È hq Kq l s Íu g Wml dr S ú h' ˜

ta'f ca'tï' p kaøod i ta'f ca'tï' p kaøod i ta'f ca'tï' p kaøod i ta'f ca'tï' p kaøod i fc HIa G l : s l dpd hœ

wd¾: s l wxY h

rey q K q úYa j úo Hd, h

Tn ish ,a,kagu Tn ish ,a,kagu Tn ish ,a,kagu Tn ish ,a,kagu m% S; su ;am% S; su ;am% S; su ;am% S; su ;a

kj jirla fõjd kj jirla fõjd kj jirla fõjd kj jirla fõjd !

2010

isoaê wOHhkh

Sri Lanka Microfinance Forum Page 6

fuys m%ldYs; woyia l;Djrhdf.a u

jk w;r tajd PLAN Y%S ,xldfõ woyia

ms<sìUq fkdjk nj ie,lsh hq;=hs' j¾;udk jHdmdr mßirfha ksIamdok

pl%h mqrdu “mdßfNda.sl ÈYdNsuqL mdßfNda.sl ÈYdNsuqL mdßfNda.sl ÈYdNsuqL mdßfNda.sl ÈYdNsuqL

ùuùuùuùu” ;rÕldÍ fj<|mf,a yqfola ;sr idr meje;aug w;HjYHù ;sfí' j¾; udkfha wjodkh fjkiaùu;a iuÕu fkdfhla Ys,amShl%u ;=<ska NdKav ksIa mdok lr tajd wf,úlrK ksIamdokh wruqKq lr.ekSu jeks ixl,am j,ska NdKav yd fiajdj, ixj¾Okhg fmr mdßfNda.slhdf.a ukdm yd wjYH;d y÷kd.;a mdßfNda.sl ÈYdNsuqL f,i úlikhù we;' fuu m%jK;dj laIqø uQ,H lafIa;%fha u u;= fjñka mj;S'

fuys laIqø uQ,H wdh;k^MFI& mdß

fNda.slhskag iß,kfia mdßfNda.sl hska mdßfNda.sl hska mdßfNda.sl hska mdßfNda.sl hska fl ak aølr.;flak aølr.;flak aølr.;flak aølr.;a uQ,Huh ksIamdok ixj¾Ok lrkq ,efí' fuhg wu;r j laIqø uQ,H wdh;k n, lsÍfï wjYH;djlao fmfkkakg we;' takï laIqø uQ,H wdh;kj, ksIamdok" mdß fNda.slhskag .e,fmk whqßka fkdue;s ùu fya;=fõka iEu jirlau mdid fndfyda fihska mdßfNda.slhskaj wysñ lr .ekSufya;=fjka mq¿jka lrug mdßfNda.slhska fjkqfjka j.lSulska

lghq;=l< hq;=j we;' ^HULME, 1990& '

fï ksid fujeks ixl,amuh mßirhl fj<|fmd< ms<sn| m¾fhaIKhla .e, fmao@ mdßfNda.slhka wruqKq lr.;a fiajdj,s,a ,nd.; yels jdis l=ulao@ fj<|m, m¾fhaIK l%shd ud¾. yd Ys,amShl%u l=ulao@ Y%S ,dxflah mßir hl tajd flfia fhdod.; hq;= o@ fïjd fuu ,smsfha mßYS,khg ,lajk lreKq j,ska lSmhls'

fj<|m, m¾fhaIK fj<|m, m¾fhaIK fj<|m, m¾fhaIK fj<|m, m¾fhaIK ^̂̂̂MR&&&& laIqø uQ,HlrK wdh;khl ^MFI&

j¾;udk yd wkd.;fha n,dfmdfrd;a;= úh yels YlH;djhla we;s mdßfNda.slhdf.a wjYH;d yd ukdmhka wjfndaO lr .ekSu msKsi ie,iqï lrk ,o l%shdud¾.hla yd th l%shdldÍ jk mßirhg;a uQ,Huh ld,hg;a wkqj l%shd lsÍu hehs fj<|m, m¾fhaIKh

ks¾jpkh lr we;' ^Wright, 2000& th

ls%hd;aul lrjk jD;a;slhskaf.a m%:u m%Yakhla jk" laIqø uQ,H wdh;k ;u mdßfNda.slhskag ksIamdokh flfrys j¾Okh lsrfuka we;s úh yels m%;s,dNh l=ula o@ hkakg ms<s;=r fuu ks¾jpkh imhhs' ud;Dldfõ meyeÈ,s lsÍug wkqj kj ksIamdok jeäÈhqKq lsÍu iïnkaOj we;s f;dr;=re oekg mj;sk ksIamdo jvd;a m%ikak ;;ajhg m;a lsÍu" yd wf,ú lsÍu jeä ÈhqKq lsÍfuka mdßfNda.slhdf.a wNSlaIdj yd l,a wd§ foaj,a fj<| m, m¾fhaIKh ,nd fohs' uQ,Huh fj<|m, m¾fhaIKh ixlS¾K l%shdj,shla f,i wmg isys le|jqjo l=vd iy uOH mßudKfha laIqø

uQ,HlrK wdh;k^MFI& u.ska we;a;

jYfhka u l<ukdlrKh l< hq;= fohla fkdjkafka h' fj<| m¾fhaIK

l%shdj,sh" fojeks fmf<a iudf,dapk fm<la ;=<ska m¾fhaIKh i|yd jk .eg¿j y÷kd .ekSfuka wdrïN fõ' fuhska fidhd .kakd foa" m¾fhaIK i|yd jk wruqKq” o;a; /ia lsÍu wkq.ukh lrk fj<|m, m¾fhaIK ie,iqu ilia lsÍug WmldÍ fõ' o;a; /ia lsÍu msKsi" wjodkhg ,la

jk lKavdhï idlÉPd ^FGD& yd iy

Nd.s;aj .%dóh m%fõYhka ^PRA& jeks

idudkH .=Kd;aul o;a; /ia lsÍfï Y s , a m S h l % u f h d o d . ek S u Wkkaÿjg ,lajQ lreKla nj fuys i|yka l< hq;=h' tu ksid uQ,Huh ksiamdok ixj¾Okh yd iïnkaO f;dr;=re ,nd.ekSug fujeks Wm lrK flfia l=uk wdldrfhka fhdod .efkao hkq mßYS,kh lsÍu m%fhdackhfõ' uQ,H uh .;sl yelshdjka rgd yd Wjukd jka iy mdß fNda.slhdf.a Okj;a ;rd;sru wd§ y\qkd .ekSu i|yd fhda.H ld,h"

Ôú;pl%h" ld,ms<sfj< hkq PRA Wm

lrK ixfYdaOkhg ,laù we;' m%cd jka ;=< f;aÍï ukdm yd wjia:djka i|yd uQ,Huh fiajdjka ;SrKh lsÍfï § .=Kdx. yd wdh;ksl fY%aKs.; lsÍfï Ys,amShl%u WmldÍfõ' fuhg wu;rj

FGD/ PRA jeks Wm lrK"wruqKqj,g

wkqj mqñ;sß Ndjhg wod< lreKq yd iïm;aj, mÈxÑlre jka md,kh jeks-foa y÷kd.ekSu msKsi Ndú; flf¾'

wf,úlrKfha “8P” .=Kd;aul o;a; úYaf,aIK i|yd fhdod .kakd ,È'

m%:u fmf<a l%shdlrùu yd HR jeks

ish¨u fomd¾;fïka;=j, ksfhdað; hskaf.ka hq;a fkdfhla wx.j,ska iE¥ lKavdhulska ksIamdok ie,eiau" ñ, .Kka" uq,msßï" ia:dkh" ;;a;ajh" fN!;slk idlaIs" ck;dj yd l%shdj,sh

jeks foa tu “8P” hehs kï flf¾' wdrïNl ksIamdok ixl,amh we;s

úYaf,aIK m%;sM, fm<.eiqKq FGDW

fhdod ixfYdaOkh lrk ,È' wjYH kï" ks¾udKh jQ ksIamdokhla we;s lr.; yels m%udKd;aul kshduk mÍlaIKh tu m¾fhaIKh W!k mQ¾K hla f,i we;súKs' fufia meyeÈ,s l< whqßka l%udkql+,j wf,ú lrk

m¾fhaIKh wkq.ukhlf<a kï" MEI

j,ska nyq;rfha ixlS¾K lreKq wvqlr" meyeÈ,s uQ,Huh ksIamdokh m%;sM,hfõ'

flkahd" nx.,dfoaYa" W.kavdj" ol=Kq wm%sldj" iy bkaÈhdj jeks laIqø uQ,H fj<|mf<a m%uqLhka isák rgj,a we;=¿

f,dalh mqrd u we;s MFI j, fj<|m,

m ¾ f h a I K h m q ¿ , a j Y f hk a fhdod .kq ,efí' ksoiqkla f,i

nx.,dfoaYa rfÜ ASA, gekaidkshdfõ

fmdaiag,a nEkala jeks MFI wdh;k MR

m¾fhaIK fidhd.ekSïj,g wkqj ;u ksIamdok jeä ÈhqKq l< fyhska b;sß lsÍï iÔùlrKh" ie,lsh hq;= uÜg ug id¾:l;ajhg m;aj we;' fuhg

wu;rj" flkahdfõ Bl=úá nEkala"

W.kavdfõ FINCA wdh;k ;u Kh

iïnkaO ksIamdok i|yd fndfyda mdß fNda.slhskaj r|jd .ekSfï wkqmd;

lhla w;aú£ we;'(wright, 1999 iy

coetzee 2002) kuq;a fndfyda Y%S,dxflah

laIqø uQ,HlrK jD;a;slhska yd meje;ajQ wka;¾ l%shdj,sfha § wkdjr Kh jQ lreKq kï" úia;rd;aul fj<| m, ksIamdok jeä ÈhqKq lr y÷kajd §u msKsi lafIa;% ks,OdÍkaf.a w;aoelSï u; jeämqru /£ isák nj;a" iólaIK-hla fufyhùu fjkqjg Tjqka ;u l a fI a; % k s,OdÍk a iuÕ ióm iïnkaOlula we;s lr .ekSfuka ;u ld¾h uKav,fha wh" mdßfNda.sl hskaf.a wjYH;djhka yd ukdmkhka wjfndaOlr .kshs hehs wkqudkh lr .ks;s' fuu ikao¾Nfha Y%S ,xldfõ fj<|m, m¾fhaIKh mD:Q,j fhdod fkd.ekSug we;s iï NdjH idOl mßYS,kh lsÍu jeo.;a fõ'

Y%S ,xldfõ m%Odk idOlhla f,i fj<|m, m¾fhaIKhl fh§fï § úfYaIfhka m%d:ñl o;a; /ia lsÍfï § isÿjk uQ,Huh msßjeh i|yka lr yel' fndfyda úg laIqø uQ,H wdh;k jeh fjk msßjeh iuÕ fj<|m, m¾ fhaIKj,ska fl<skau ,efnk m%;sM, t;rï jeo.;a fkdjk nj i,l;s' flfia fj;;a fufia woyia lsÍfuka fj<|m, m¾fhaIKhl§ ,nd.; yels È.=ld,Sk m%;s,dN ms<s.ekSug wfmd fydi;a fj;s' ksoiqkla jYfhka iD;=uh wjYH;d jhka" ;rylrejkaf.a Yla;Ska iy ÿ¾j,;d y÷kd .ekSfuka fiajd jeä ÈhqKq lsÍu" uqo,a ixprKh l<ukd lsÍfï§ mdßfNda.slhskag WmldÍ jk úfYaIfhka i|ykajQ uQ,Huh ksIamd ok ms<sn| /ia l< uq,a f;dr;=rej, ish¨ ,laIK jeä ÈhqKq lsÍu jeksfoa fl,ska ,nd.; yels m%;s,dNj,g wu;r tajdh'flfia fj;;a" m%d:ñl o;a;j,g jvd fojeks fmf<a o;a; fhdod.ekSu b;d ld¾hlaIuj yd b;d ir,j u" /ia lsÍfï § ,dNodhs fohla jkq fyhska th hym;a fohla hehs iuyreka ;¾l l< yelsh' kuq;a fo-jeks fmf<a o;a;" tla;rd wkaoug tys we;=<dka;h muKla ,nd § m¾fha IK wruqKq <Õd ùuf m¾fhaIK lrejkag WmldÍ úh yels h'

tu ksid fojeks fmf<a o;a;j,ska muKla /¢ isàu ks¾foaY fkdflf¾' WodyrKhla jYfhka lafIa;%fha ld¾h uKav,fha whf.ka /ialrk ,o o;a;" Tjqka mdßfNda.slhska yd flnÿ wka;¾ iïnkaO;d isÿlf<ao hkak yd fiajd jka iemhSfï § Tjqka w;ska isÿ jq w; miqùïj,g wod< f;dr;=re we;=<;a fkdfõ' tu ksid f;dard.;a yd w.;Ska j,skahq;a o;a; u.yeÍu msKsi iy úia;rd;aul ;SrK.ekSu i|yd;a m%:u o;a; yd oaú;Sh i;H lreKq yd wxl W!

^8 jeks msgqjg&

u Q,H u h ksI amd o kh i |yd u Q,H u h ksI amd o kh i |yd u Q,H u h ksI amd o kh i |yd u Q,H u h ksI amd o kh i |yd fj<|m< m¾fh aI K fj<|m< m¾fh aI K fj<|m< m¾fh aI K fj<|m< m¾fh aI K

laIqø uQ,HlrK Ys,amSh l%u

koSrd rKNdyqkoSrd rKNdyqkoSrd rKNdyqkoSrd rKNdyq;

laIqø uQ,HlrK úfYaI×

Plan Sri lanka

—Y %S ,dx fl a h laIqø u Q ,Hl r K

j D ; a;s l hs ka y d me j e ;a jQ w ka ; ¾ l %s hdj ,s fha § w k dj r Kh j Q

l r e K q k ï ú ia ;r d;a u l fj < | m, k s I a mdo k j eä È hq Kq l r

y ÷ ka j d § u ms Ks i l a fI a ;% k s ,OdÍ ka f.a w ; ao e lS ï u ;

j e ä mqr u / £ is ák nj ; a " ió l a I Khl a fu fy hù u

fj k qj g T j q ka ; u la fI a ;% k s ,OdÍ ka iu Õ ió m

iï nk a Ol u l a w e ;s l r . e k S fuk a ; u l d¾ h

u K a v ,fha w h" mdß fNda . s l hs ka f. a w j Y H; dj hka y d

u k dmk hk a w j fnda Ol r . ks hs he hs w k q u dk h l r . k s;s ' ˜

Volume 3, January 2010 Page 7

ø j YS, ;d wj o dkï l< u kdl rK h ^m < uq j k yd fojk fl dgia& ø j YS, ;d wj o dkï l< u kdl rK h ^m < uq j k yd fojk fl dgia& ø j YS, ;d wj o dkï l< u kdl rK h ^m < uq j k yd fojk fl dgia& ø j YS, ;d wj o dkï l< u kdl rK h ^m < uq j k yd fojk fl dgia&

ys;j;a mdGl" fuu ,smsh øjYS,;d

wjodkï l<ukdlrKh ms<sn| ,sms

ud,dfõ tla fldgils' fuu ,smsh

wx. 4lska hqla; h'

1..ks¾jpkh yd ;d¾lsl;ajh

2..øjYS,;d wjodkï l<ukdlrK

m%;sm;a;sh

3. øjYS,;d wjodkï uekSu yd

ksÍlaIK lsÍu

4. øjYS,;dj l<ukd lsÍu

fuu ,smsfha" m<uq yd fojk

f l d g i a j k k s ¾ j pk h

yd ;d¾lsl;ajh iy øjYS,;d

wjodku l<ukdlrK m%;s m;a;sh

kï úIhhka SLMFF j¾;udk

l,dmfha olajd we;' Y%S ,xld

i Ql aIu u Q ,HlrK ixioh

fjkqfjka fuu ,smsj,ska od-

hlùug tlÕ;djh m<lsÍu i|yd

wjodkï l<ukdlrK lafIa;%fha

m%ùKfhla jk ksrdc l=ud¾

uy;dg wms ia;=;sjka; fjuq'

m<uq fldgim<uq fldgim<uq fldgim<uq fldgi

ks¾jpkh yd ;d¾lsl;ajhks¾jpkh yd ;d¾lsl;ajhks¾jpkh yd ;d¾lsl;ajhks¾jpkh yd ;d¾lsl;ajh

my; oelafjk tlla fyda ñY% idOl

lSmhla wkq.ukh lsÍfuka wdh;khla

f.ùï ms<sn| ;ukaf.a hq;=lï ksisf,i

bgq lsÍfï yelshdj øjYS,;dj hehs

i|yka fõ'

â& j¾;udk uqo,a ixrpk .,d tau

^b& uqo,a ;ekam;=j, jHdmdr jia;=

^c& KHg ,nd .kakd uqo,a iy

^d& øjYS,;d foam< uqo,a njg m;a

lsÍu"

øjYS,;d wjodku hkq

whs;slrejka" mdßfNda.slhska iy

fjk;a fldgialrejka úiska

uQ,Huh wdh;khg wh;a whf.a

ukdmj, iDKd;aul n,mEula

we;s l< yels iïNdjH;djhls'

fuhska ld,Sk j o" msßjeh

M,odhs;dhka o j¾;udk f.ùï

ms<sn| j.lSï bgql< fkdl<

yels ;;a;ajhla Wod fõ'

øjYS,;d wjodkï l<ukdlrKh

hkq my; oelafjka wruqKq bgq

lsÍug wjYH mshjr .ekSu o

øjYS,;d wjodkï ;jÿrg;a

y÷kd .ekSu iy ksÍlaIK lsÍu

msKsi øjYS,;d l<ukdlrK

m%;sm;a;shla ilid th iudf,dapk

lrk hdka;%Khla we;=¿ l%shdYS,S

iy úia;rd;aul m%fõY f,i ye¢

kafõ'

• ishü uqo,a ixrpk hq;=lï

^Kh iy b;sß lsÍï

wdmiq ,nd .ekSu i|yd jk

mdßfNda.slhskaf.a b,a¨ï"

wdh;k msßjeh i|yd jk

f.ùï" imhkakka yd Kh

f.úh hq;= wh i|yd jk f.ùï&

ffoksl iÔú mokñka w.h

fldg ie,lSu

• wl¾uKH uqo,ska ,efnk" fmr

bmehQ jeh wju lsÍu

• wju ixÑ; wjYH;d yd fjk;a

kshduk øjYS,;d m%ñ;Ska

imqrd,Su

• yÈis wjia:d Kh .ekSu yd

foam< n,fhka øjYS,;djg m;a

lsÍfï wu;r msßjeh uÕ yeÍu

øjYS,;dj hkq" fome;a;u lefmk

msyshlg iudkfõ' øjYS,;dfõ wvq

mdvq ksid" wdh;khla f.ùï

ms<sn| ;u hq;=lï bgqlsÍug

wfmdfydi;a jqjfyd;a tys isoaëka

fm<la l%shd;aul jk w;r

fkdfhla fldgialrejka w;r

úYajdih ke;s lrkjd;a iu.u tys

miqnEfï m%udKh l=uk fyda fõjd

th udrdka;sl úh yels h' wksla

w;ska" øjYS,;dj ´kEjg jvd isÿ

jqjfyd;a th wdh;khla

nxfldf,d;a ;;a;ajhg m;a lrhs'

fya;=j" wl¾uKH ù we;s uqo,a"

uQ,H myiqlï imhk yd mßmd,k

msßjeh md,kh lsÍug

fkdyels ;rug Wmhkafka ke;'

tfyhska fuys we;s wNsfhda.h kï

´kEjg jeä yd b;d

wju ;;a;ajhka w;r øjYS,;dj

iunr j ;nd .ekSug h' flfia

fj;;a" ;ekam;= ;nd .; hq;= ;ks

m%Yia; uQo,a m%udKh ;SrKh lsÍu

muKla fkdj øjYS,;dfõ

wjodku wvq lsÍug;a wvq,dNS

wjodku;a w;r idOdrK

tlÕ;djhla we;s lsÍu h'

fojk fldgifojk fldgifojk fldgifojk fldgi

øjYS,;d wjodkï l<ukdlrK øjYS,;d wjodkï l<ukdlrK øjYS,;d wjodkï l<ukdlrK øjYS,;d wjodkï l<ukdlrK m%;sm;a;sh m%;sm;a;sh m%;sm;a;sh m%;sm;a;sh

l%shdYS,s øjYS,;dj l<ukdlrKh

lsÍu hkq iïnkaOj" m<uq jeks

mshjr" øjYS,;dj l<ukdlrKh

l s Í u iy t h l d , S kj

iudf,dapkh lrk kshud ldrj

ks¾jpkhl, m%;sm;a;sh i|yd

flgqïm;la ilialsÍuh' øjYS,;dj

l<ukdlrK m%fo aY i|yka

jk ,ehsia;=j yd iliaúh hq;=

m%;sm;a;s my; oelafõ'

øjYS,;d wjodkï l<ukdlrKfha

fhfok mqoa.,hskaf.a j.lSï yd

wdh;ksl ie,iqï ks¾jpkh lsÍu'

• ms<s.; yels øjYS,;d WmlrK

ks¾jpk lsÍu ^ksoiqka f,i"

uqo,a jYfhka fyda wf,ú

l<yels iq/l=ï m;a& kshduk

iSudjka øjYS,;d l%u

fõoh ;SrKh lsÍfï § ie,

ls,a,g .; hq;= h'

• mj;ajd .; hq;= øjYS,;dfõ m%

Yia; m%udKh îajfoaYSh kshduk

wjYH;d ie,ls,a,g .ekSu& yd

wm%udoj l%shdjg uÕmdok á%.rh

^m<uqjk f,aLKh n,kak&

• ksÍlaIK l<hq;= wjYH;d we;s

øjYS,;d wkqmd;slh iy tys

á%.rfha ia:dkh ^m<uqjk

f,aLKh n,kak&

• øjYS,;d l<ukdlrKfha

idudkH l%ufõoh" th ksÍlaIK

l< hq;af;a flfia o@ uqo,a

ixprK úYaf,aIKfha §

fhdod .kakd ld,iSudjla iy

úia;rj, ,ehsia;=

• ,dNodhS ;;a;ajh jHdma; lsÍu

msKsi uqo,a wju lsÍu i|yd

wdh;kh ,eÈhdj olajk wjod-

kfï uÜgu fyda wdh;khla

wjodkug we;s ,eÈhdj" úfYaIf-

hka tu m%;s m;a;sh wju yd

Wmßu uq¿ uqo,a foam,j, uÜgu

yd w;,Õ ;nd.; hq;= m%udKh

msysgq úh hq;= h'

• uqo,a .kqfokq $ yqjudrej wkqu;

lsÍu fhdod .kakdúg fiajl

msßig we;s n, iSudjka

• w;sßla; uqo,a mßyrKh flfia

isÿù o@ tajd i|yd <.d úh ye-

lafla ldg o@ iy ;ekam;=

flfrkafka flfya o@ yd

wdfhdack flfia isÿùo@ wdÈh

• l=uk fyda uQ,dY%hg $

WmlrKhg ;ukau wkdjrKhg

m;a lsÍfï iSudj i|yd jk

l=uk fyda nexl=jla fyda

WmlrKhla wdfhdack l< hq;=

Wmßu m%udKfha iSudjka

• flá ld,Sk øjYS,;d wjYH;d

msKsi Kh myiqlï <.d

lr .ekSu i|yd jk ms<s.; hq;=

ldrKd fyda wjia:d l=ula o iy

tjeks Kh myiqlï <.d lr.;

yelsjkafka ldgo@ hk j.'

m%Yia; l%shdud¾.

Volume 2, August 2009

—b, l a l b; d m fr ia ifu ka is ; d ne, s h hq ;= fo a j,a h'

t a jd fu u f Ëa ; % hg wk¾: o dhl ks ¾udK

we; s l , y el s h'˜

ksrdca l=ud¾ ksrdca l=ud¾ ksrdca l=ud¾ ksrdca l=ud¾

laIqø uQ,HlrK WmfoaYl WmfoaYl WmfoaYl WmfoaYl ---- bkaoshdjbkaoshdjbkaoshdjbkaoshdj

ks rdca " laIqø uQ ,Hl r Kh iï nk a O ia j dëk j l ghq ; =

l r k Wmfo a Y l j r fhl = y d mq yq K q lr e fj la o fõ ' mq yq K

l s rS ï j , MBA Wmdêodrs hl= jk Tyq " ol= Kq wdis hdj .s Ks fldk

wdis hdj iy w m% s ldj jeks

m<d;a j, laIqø uQ ,Hl r K fË a ;% fha l ghq ; = l < ^j ir

1 0 g; a j eä & w ; a oe lS ï ny q ,y e ls hd T y q i; = h' Kh

fY %a K s. ; l s rS u " c d; Hdka ; r k l a fia re y d Y s ,a ml% u iy

mo a O;s j e ä os hq K q ls rS u " j Hdmdr ie ,iq ï il ia l s rS u "

m¾ fha I K y d mq y q Kq ls rS ï w e ; = ¿ fk dfhl a me j r e ï ms Ks i

fu u m% fo a Y j ,g w dik a k j

laIqø u Q ,Hl r K w dh; k(MFI)

70 l a i| y d me ñ K w e ; ' T y q m,mq r e ÿ mq y q Kq l r e fj ls '

w dis hdk q ix j ¾ Ok ne x l = w dh; k h (ADBI)f,da l nexl= j"

fgda ls fhda ix j ¾ Ok u OH ia :dk h (TLDC) wdoS wdh;k

fu hg idl a I s o r ;s ' laIqø uQ ,H l r K l ,du k d l r K i| y d

fk dfhl a mq y q Kq fu dä hQ ,a j e ä os hq K q l r w e ;s w ; r

w dis hdj y d w m% s l dj y r y d

1 50 0 l g; a j eä laIqø u Q ,H l r K j D ; a ;s l hs la j mq yq Kq l r

w e ; ' j ¾ ; u dk fha T yq — m% dfoa Y S h fo a Y lj r fhl =˜ j Y fhk a

ADNI-TDLC yd laIqø uQ ,H l r K — mq y q Kq l re j ka mq yq Kq

l s rS fï mq yq Kq l r e ÿ r ia :j b f. k q ï mdG u d,dj˜ i| y d

iï nk a Où w e ; ' b l = ;a jQ l d, fha o S T yq b kaos hdfõ ms y s gd

w e ;s — u hs fl % da -fl %ä Ü fÜ% ä x ia b ka g¾ fk a I k ,aa ˜(M-CRIL) ys

iuQ y wdh;kj,s ka tlla jk ‘EDA Rural Systems’ ys fia jh

lr we;'

[email protected]


^4 jk msgqfjka&

SLMFF: NDTF j, wkd.; ie,iqu l=ula o@

NDTF: m%;s,dNSkag jdKscHuh fkdjk wdOdr jHdma; lsÍu i|yd

MFI j,g iqjodhS fmd<S wdka;slhla wjYH jk nj wms wjfndaO lrf.k we;' fuh yqfola idudkHfhka olsk Kh ,nd §fï fhdackd l%uhla

fkdfõ' MFI wdh;k fkdfhla msßjeh yd iïnkaOj mj;S' l%shdldrlï" mqyqKq lsÍï jeks fiajdjka" m%cdj iÔù lrKh lsÍfï yd lafIa;%fha ld¾h uKav,h iÔùlrKhg m;a lsÍu

jeks foa jeä ÈhqKq lsÍu msKsi ;ukaf.a Kh jevigyka" l%shdms<sfj;a yd moaO;s jHdma; lsÍu i|yd Kh fkdjk uQ,Huh fiajdjka m;=rej;s'

fujeks ÿIalr;djhkaf.ka ñ§ug wfma Kh fkdjk wdOdr jHdma; lsÍ ug wms ie,iqï lrf.k

hkjd' MFI j, yelshd j¾Okh i|yd 2010 wh jefhka ie,lsh hq;= m%udKhla fjka lsÍu msKsi wms l,skau weia;fïka;= lr we;' tajdf.au m%;s,dNSkaf.a l=i,;d jeä ÈhqKq lsÍug;a" oekqj;a lsÍu i|yd;a wfkl=;a wdOdr jev ig yka ilia lr we;'

.ï uÜgñka fiajfha kshqla; kj yj q , a lre ixúOdk 200l a n|jd .ekSu ,nk jif¾ b,lalhla f,i idod f.k we;' wdOdr i|yd meflachla ilia lsÍu msKsi iQlaIu uQ,HlrK cd,h iuÕ /iaùï mj;ajd Tjqkaf.a woyia ,nd .ekSug wms ie,iqï lr we;'

fujeks Okd;aul fjkialï iys; j Y%S ,xldfõ iQlaIu uQ,H lafIa;%fha yrj;a wdh;khla ùug wms n,dfmdfrd;a;= fjkjd' kqÿre wkd.;fha fujeks jHdma; jq ie,iqï legqj fjf<|fmdf<a Yla;ska úiska fmd<S wkqmd;slh ;SrKh fõ hehs wms wfmalaId lrkjd'

Tng;a iyNd.s úh yelshs

tjkak Tfí woyia" mqj;a" ,sms yd fhdackd

[email protected]@[email protected]@gmail.com

fj;

YS% ,xld laIqøuq,H lKavdhu Tjqkaf.a ia;=;sh WmfoaYl uKav, idudðlhska fj;

m< lrhs(

pkaÿ, wfíúl%u pß; r;aj;af;a

wdpd¾h¡ ve.au¾ ¨ï ÿ,dka o is,ajd ksu,a udákia

wdpd¾h¡ ksu,a *¾kEksvq kSkd kdh¾

Yls, úfÊj¾Ok

Sri Lanka Microfinance Forum mqj;a ix.%yfha wka;¾.;h iïnkaO j.lSfuka WmfoaYl uKav,h ksoyia h¡

WmfoaYl uKav,fha ld¾hNdrh

ixialdrljrekag woyia yd fhdackd bÈßm;a lsÍuhs.

±kaùï????

úuikak

[email protected]


cd;Hka;r m%ñ;s wkql%ñl wxlh( ISSN 2012-5666

úuiSï:

[email protected]

Sri Lanka Microfinance

Forum mqj;a ix.%yfha

isxy, yd fou< mßj¾;k

imhkafka:

GTZ PROMIS—Promotion

of the Microfinance Sector

www.microfinance.lk

[email protected]

c d ;sl i x j¾Ok N d rl d r w ruqo , i u . i QúfY aI i ïu qL i d l ÉP d jlac d ;sl i x j¾Ok N d rl d r w ruqo , i u . i QúfY aI i ïu qL i d l ÉP d jlac d ;sl i x j¾Ok N d rl d r w ruqo , i u . i QúfY aI i ïu qL i d l ÉP d jlac d ;sl i x j¾Ok N d rl d r w ruqo , i u . i QúfY aI i ïu qL i d l ÉP d jla

uQ, H uh ksIam dokh i| yd uQ, H uh ksIam dokh i| yd uQ, H uh ksIam dokh i| yd uQ, H uh ksIam dokh i| yd fj<|m < m ¾fhaIK îï nkaê;hs&fj<|m < m ¾fhaIK îï nkaê;hs&fj<|m < m ¾fhaIK îï nkaê;hs&fj<|m < m ¾fhaIK îï nkaê;hs&

KmQrK f,i fhdod.ekSu lsisfia;au wjYHfõ'

MFIj, .=Kd;aul l<ukdlrK

f;dr;=re moaO;sfha (MIS) msßjeh

tlaj ;j;a idOlhla tl;= ù ;sfí'

fjf<|fmd< m¾fhaIKh yd ksIam-

dok ;ekska ;ek fjkia jQfha kï"

MIS j, ia:dk Sh mdßfNd a. sl

ldrKhla wdh;kh lg wjYH fõ'

fuhg wu;r j fidhd.;a lreKq

mdol l%shdldrlï yd mßmd,k l%u o

fjkia úh yel' flfia fj;;a

m¾fhaIKfha fidhd.;a foaj,g wkqj

fujeks moaO;s yd l%s hdjka ixfY-

daOkh jQjfyd;a thska m%;sM,h jkafka

ld¾hlaIu yd M,odhs fiajd iemhSu h'

wjidk jYfhka" kuq;a lsisfia;au

wvqjla fkdue;sj" fjf<|fmd< m¾

fhaIKfha § fufyhùï i|yd MFI j,

;dlaIKsl yelshdjkao tys m%dfhda.S

lrKfha iSudjka we;s lrhs' wfkl=;a

ol=Kq wdishdfõ rgj,aj,g idfmalaIj

Y%S ,xldfõ uQ,Huh ksIamdok ixj¾O

kh m s < s n|j m % ; S ;kh ,n d

we;s ;dlaIK m%ùKhka b;d iSñ;

mqoa.,hska muKla we;af;ah' Wod

yrKhla jYfhka" uhsfl%dafõõ iïm;a

ixÑ;h hgf;a Y%S ,xldfõ m%;S;

kh ,n dw e; s fi a j d imhk a

kka ,ehsia;= .;lr ke;' fjf<|m<

m¾fhaIKfha fujeksfoa iSudjla

we;slrk w;r fuu flaIa;% ;jÿrg;a

jHdma;úh hq;= wjYH;dj i|yka lrhs'

Y % S , dxfl a h ld¾hl a Iuj y d

M,odhs ;djfhka hq;=j fjf<| fmd<

m¾fhaIKhla l=uk wdldrfhka fu-

fyh úh h q; = o@ fjf<|fmd<

m¾fhaIKhla msßueiaulska hq;=j

i s ÿ ú h h q ; = k ï " M F I

wdh;k .eg¿ ,ehsia;=fõ wjOdkh

fhdu úh hq;= foa m%uqL;djhg m;a lr

b;d jeo.;a u lreKqj, m%:ufhka

wjOdkh fhduq l< hq;= h' fujeks

meyeÈ,s wjOdkh b;d Yla;su;a

ks¾foaY we;slsÍug WmldÍ fõ'

fuhg wu;r j fjkia wdldrfhka

w e ; s i s h ¨ u i xú O dk d; a u l

fomd¾;fïka;= yd tys l%shdldrlï

we;=¿ moaO;shla;=< iïm;a ixÑ;hka

ixj¾Okh lsÍug m%dfhda.sl jYfhka

fjf<| fmd< m¾fhaIKhla fhoùu

b;d ld¾hlaIu Ys,aml%uhls' m%dfoaYSh

uÜgfï we;s ld¾h uKav,fhka

yelshdjka ms<sn| wjOdkh fhduq lsÍu

uQ,ia:dk ld¾hd, uÜgfï ld¾ñl m%

ùKhka f.dv ke.Sug jvd" jeä

M,odhs;djhla we;s lrhs' fya;=j" fiajd

iemhSu jeä ÈhqKq lsÍu msKsi

wNHka;r l%shdjla f,i l%udkql+,

wka;rhl m%foaY uÜgfï ld¾h

uK a v,h úi sk a fjf<|fm d<

m¾fhaIKh isÿ l< yels h'

fndfydaúg" fidhd.;a foa yd ks¾foaY"

fjf<|fmd< m¾fhaIKfha mj;sk

moaO;sfha yd l%shd ms<sfj;aj, oeä

f,i fjkila fkdf.kfoa' kuq;a iq¿

jYfhka úlsrKhka yd jeä ÈhqKq lsÍï b;d wvqu úhoñka isÿl< yels h'

MIS yd mdßfNda.SlrKh fyda l%shd ms<sfj;aj, jeä ÈhqKq lsÍu jeks úhoï iys; fjf<|fmd< m¾fhaIK

ks¾foaYhka MFI úiska l%shd;aul lsÍfï§ ndysr uQ,Huh wdOdro fhdod.; yels h' idudkHfhka ie,lsh hq;= wkaoñka wdfhdack we;s fjf<|fmd< m¾fhaIK m%foaYj," iQlaIu uQ,HlrKh iïnkaOj ;dla IK jeä ÈhqKq yd ld¾h uKav,fha yelshd j¾Okh iys; fldgiaj, ie,lsh hq;= wdfhdack o we;af;ah'

(6 jk msgqfjka)

Sri Lanka Microfinance Forum_Volume3_Sin

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