new-brochure-for-press

cWoIfsf] ;Gb]z
cfdlGqt ;a} dxfg'efjx?nfO{ :jfut tyf clejfbg Û
ljZjdf ul/jL lgjf/0fsf nflu n3'ljQ clxn] nf]slk|o sfo{qmdsf] ?kdf cuf8L a9]sf] 5 . ul/jL lgjf/0fsf] nflu
of] ;zQm oGqsf] ?kdf :yflkt e};s]sf] 5 . n3'ljQ g]kfndf klg b|'t ultn] cuf8L a9]sf] 5 . dlxnf kl/nlIft
ul/Psf] sf/0f dlxnf ;zlQms/0fdf cToGt k|efjsf/L b]lvPsf] / ljQ ;]jf ljkGgsf] 3/b}nf]df k'¥ofpg n3'ljQsf]
e"ldsf cu|0fL /x]sf] 5 . n3'ljQ k};fsf] Joj;fo dfq xf]Og . o;n] ljkGgdf cfkm' leq /x]sf] ljsf;sf] ;+efjgf
af]w u/fO{ cfoj[l4 x'g] sfo{df ;+nUg u/fpg] / pgLx?sf] ;Lk / Ifdtf a9fpgdf klg ;xof]u k'¥ofpF5 .
g]kfndf ;'?df ljgf lwtf] lbg] shf{ c;"nL x'b}g elg dfgl;stfn] n3'ljQ sfo{qmd ;+rfngdf Ps b'O{ ;+:yf afx]s
c?n] cfF6 ug{ ;s]g . t/ tL cu|0fL ;+:yfx?sf] nufgL ;dod} ;t\k|lt;t c;"nL eO{ ljQLo ?kdf :jM;Ifd ePkl5
yk ;+:yfx? cfslif{t x'Fb} uP . oL ;+:yfx?sf] sf/f]jf/ / Joj:yfkg ;'zfl;t, kf/bzL{ / lgod;Ddt agfpg sfg"gL
Joj:yf ;d]t ePkl5 w]/} n3'ljQ ;+:yfx? ;+rfngdf cfPsf 5g\ . k|foM ;a} ;+:yf :j;Ifdtfdf ;+rflnt 5g\
o;nfO{ 7"nf] pknlAw dfGg ;lsG5 . g]kfndf xfn n3'ljQ ;]jf a}b]lzs ;xfotf ljgf cfGtl/s ?kdf g} ;Ifd /
;an Ps ;]jfd"ns pBf]usf] ?kdf k|:t't x'g ;kmn ePsf] 5 .
g]kfnsf] cfjZostfnfO{ b[li6ut ubf{ xfn ;+rflnt ;+:yfx?sf] ;+Vof kof{Kt eGbf klg a9L e} ;s]sf]n] yk ;+:yfsf]
cfjZostf b]lvb}g . s]xL jif{ otf clwsf+z ;+:yfx? ;]jfd'vL eGbf klg gfkmf pGd'v e} zx/L If]q / ;8ssf]
j/Lk/L sf/f]af/ s]Gb|Lt b]lvPsf]n] w]/} ljkGg cem} klg n3'ljQ ;]jfaf6 al~rt /x]sf] 5 . ;+:yfx?n] cfkm\gf]
sf/f]af/sf] cfTdd"Nof+sg u/L b]lvPsf sdL sdhf]/L / ljrng /f]syfd ug'{kg]{ b]lvG5 . ;lhnf] 7fpFsf u|fxs
;b:odf cTolws C0f k|afxaf6 ;b:ox? C0fsf] w/fkdf kg]{ ;+efjgf a9]sf] 5 . o;af6 kg]{ b'ik|efjaf6 hf]lug
;dod} ;DalGwt ;a} ;hu x'g cfu|x ub{5' . ahf/sf] cfjZostf eGbf a9L n3'ljQ ;+:yf :yfkgf ePdf ljs[lt /
ljrng a9\g] lglZrt 5 . o;df ;DalGwt lgsfosf] Wofg hfg' cfjZos 5 . ;fy}, ;b:o dlxnf lbbLjlxgLx?nfO{
klg cfkm\gf] j/Lkl/ sfo{qmdn] g;d]6]sf]nfO{ klg ;dfj]z u/fpg / cfjZostf eGbf a9L shf{ ln+bf x'g] b'ik|efj
af/] ;hu / ;r]t /xg cfu|x ub{5' .
n3'ljQ ;+:yfx? cfkm\gf] k|ltkmnsf] clwstd dfqf u|fxs ;b:ox?sf] ljsf;df nufpg / pgLx?sf] pBdzLntf
ljsf;nfO{ d"n dGq agfO{ cuf8L a9\g cfu|x ub{5' . n3'ljQsf] d"n dd{ / p2]Zo ul/jL lgjf/0f ePsf] tYonfO{
cfTd;ft u/L gfkmfsf] xf]8afhLdf gnfuL ;]jfsf] u'0f:t/df xf]8jfhL ug{ ;a} n3'ljQsdL{x?nfO{ cfu|x ub{5' .
cGtdf, klxnf] kN6 cfof]hgf x'g nfu]sf] o; /fli6«o n3'ljQ ;b:o ;Dd]ng ;kmntfsf nflu lqmofzLn cfof]hs
;ldltsf kbflwsf/Lx?, ;xefuL lbbLjlxgLx?, ;xefuL ;+:yfsf kbflwsf/Lx?, k|fof]hs ;+:yfx?, ;/sf/L, u}/ ;/sf/L
lgsfox?, ;|f]t JolQmx? nufot k|ToIf jf k/f]If ?kdf ;xof]u ug]{ sd{rf/Lx? nufot ;a}nfO{ xflb{s wGoafb Pj+
s[t1tf JoQm ub{5' .
z+s/ dfg >]i7
cWoIf
cfof]hs ;ldlt
/fli6«o n3'ljQ ;b:o ;Dd]ng – @)&#

æpBdzLntfsf] ljsf;, ul/jL lgjf/0fsf] lgsf;Æ

k[i7e"ld
u|fdL0f If]qdf a;f]af; ul//x]sf cfly{s tyf ;fdflhs b[li6sf]0fn] sdhf]/ tyf ljkGg
ju{sf kl/jf/ vf; u/L dlxnfx?sf] cfly{s tyf ;fdflhs ljsf;nfO{ kl/nlIft u/L sl/a
# bzs cuf8L n3'ljQ sfo{qmdsf] ;'?jft ePsf] lyof] . abln+bf] qmd;+u} ;fgf ls;fg
sfo{qmd, u|fdL0f ljsf; a}+s, :jfjnDag ljsf; s]Gb|, lgw{g h:tf ;+:yfx?sf] :yfkgf e}
;/sf/L Pj+ u}/ ;/sf/L ;+:yfx?af6 dlxnfx?nfO{ nlIft u/L n3'ljQ ;]jf lj:tf/ x'g] qmd
;'? eof] . n3'ljQn] clt ljkGg ju{sf] pTyfgdf ;xof]u k'u]sf] / o; qmdnfO{ cuf8L a9fpg'
kg]{ cfjZostf dx;'; eO{ cf/=Pd=8L=;L= h:tf] yf]s C0f lbg] ;+:yf :yfkgf x'g'sf ;fy} u}/
;/sf/L If]qnfO{ ;d]t ;xeflutf a9fpgsf] nflu ljQLo dWo:ytf P]g tyf a}+s tyf ljQLo
;+:yf ;DaGwL P]g cGtu{t n3'ljQ kl/nlIft …3Ú ju{sf] a}+sx? :yfkgf x'g] Joj:yf kl5 ;g\
@))) sf] bzsdf n3'ljQ If]qsf] cfsf/ k|sf/ b'|tultn] lj:tf/ eof] / lj:tf/sf] qmd hf/L
5 . xfn g]kfndf $! Jf6f Nf3'ljQ ljsf; a}+sx?, @% j6f u}/ ;/sf/L ;+:yfx? / sl/a !%) sf]
;+Vofdf ;xsf/L ;+:yfx?af6 ljkGg dlxnfx?nfO{ nlIft u/L n3'ljQ ;]jf &% j6} lhNnfdf
lj:tf/ ePsf] / sl/a !* nfv kl/jf/n] ;]jf k|fKt ul//x]sf] b]lvPsf] 5 . o; cjlwdf
n3'ljQ ;+:yfx?sf] ;dli6ut sfo{ ;+kfbg /fd|f] /x]sf] b]lvG5 . u|fxs ;b:odf # vj{ eGbf
a9L /sd nufgLdf /x]sf] / c;"nL b/ klg (( k|ltzt /x]sf] 5 .
/fli6«o n3'ljQ ;b:o ;Dd]ng – @)&#
1

;Dd]ngsf] cfjZostf / pkfb]otf
;+:yfut ljQLo kx'+raf6 6f9f /x]sf ljkGg ju{ vf;u/L dlxnf ;b:ox?nfO{ /f]huf/d"ns
cfly{s ultljlwdf ;+nUg u/fO{ ltgLx?sf] cfly{s tyf ;fdflhs :t/ j[l4df dxTjk"0f{
e"ldsf v]Nb} cfPsf] n3'ljQ sfo{qmd g]kfnsf] cfly{s If]qdf lbg k|ltlbg nf]slk|o x'+b} uPsf]
5 . n3'ljQ sfo{qmdsf] ;kmntfdf o;df ;+nUg dlxnf ;b:ox?sf] cxd\ e"ldsf /x]sf] 5 .
o;df n3'ljQ ;]jf k|bfos ;+:yfx?sf] klg plQs} dxTjk"0f{ of]ubfg /x]sf] 5 . sfo{qmdsf]
nf]slk|otf a9\b} hfg'sf ;fy} o;sf] cfsf/ k|sf/ klg a9\b} uPsf] ;Gbe{df o;sf]
u'0ffTds kIfdf x|f; x'g glbg Wofg lbg clt h?/L 5 . xfn ;+nUg ;+:yfx?sf] ;+VofTds
j[l4sf] sf/0f ;+:yfx? jLr c:j:y k|lt:kwf{ Pj+ u'0ffTds eGbf ;+VofTds j[l4df Wofg
s]Gb|Lt x'g u} n3'ljQ sfo{qmdsf] d"ne"t dd{ tyf p2]Zoaf6 ljrng x'g ;Sg] l:ylt b]vf
kg'{sf ;fy} ;b:ox?sf] bf]xf]/f]kgf, Ifdtf eGbf j9L shf{ lbg] lng] k|j[lt a9\g', ;b:ox?df
cg'zf;gdf sdL cfpg', shf{ efvf gf3\g', ;b:o knfog x'g' cflb ljleGg r'gf}tLx? b]vf
k/]sf 5g\ . o:tf r'gf}tL tyf ;d:ofx? af/] ;dod} Wofg k'¥ofpg g;s]sf] v08df Pp6f
cToGt ;kmn sfo{qmd c;kmntf pGd'v x'g] ;+efjgf ePsf]n] b]ze/Lsf u|fxs ;b:ox?sf]
k|ltlglw cu'jf n3'ljQ ;b:ox? Pj+ ;+nUg ;+:yfsf k|ltlglwx? Tfyf gLlt lgdf{tf ;+:yfsf
kbflwsf/Lx?nfO{ Ps} ynf]df e]nf u/fO{ cg'ej cfbfg k|bfg, ;d:of tyf r'gf}tLx? af/]
uxg 5nkmn / cfk;L ;dembf/L a9fpg] tyf sfo{qmdnfO{ cuf8L j9fpg 7f]; dfu{lrq
lgdf{0f ug]{ x]t'n] b'O{ lbg] æ/fli6«o n3'ljQ ;b:o ;Dd]ngÆ cfof]hgf ug{ nfu]sf] xf] .
2
æpBdzLntfsf] ljsf;, ul/jL lgjf/0fsf] lgsf;Æ

;Dd]ngsf] p2]Zo
s_ n3'ljQ ;]jfu|fxL ;b:ox?sf] efjgf, ;f]r, ljrf/, ;d:of tyf cg'ej cg'e"ltsf]
cfbfg k|bfg ug]{
v_ n3'ljQ ;]jfsf] ;dli6ut l:ylt, pknlJw, ;+efJo ;d:of tyf r'gf}tLaf/] d"Nof+sg ug]{
u_ lgjf{xd'vL ;]jfu|fxLnfO{ Joj;fod'vLdf :t/ pGglt u/fpg pBdzLntf ljsf;sf] nflu
7f]; /0fgLlt th'{df ug]{
3_ /fli6«o gLlt lgdf{0f tyf sfo{qmd th'{dfsf nflu k[i7kf]if0f k|fKt ug]{ / dfu{lrq lgdf{0f
ug]{
ª_ n3'ljQ ;]jfaf6 5'6]sf / cToGt ljkGgtfdf /x]sf kl/jf/nfO{ ;]jf k'¥ofpg] sfo{gLlt
th'{df ug]{ /
r_ sfo{qmd lj:tf/sf] ;fy} u'0ffTds kIfdf x|f; cfpg glbg n3'ljQdf b]lvPsf] ljrng
/ ljs[lt 36fO{ ;]jfd'vL, lbuf] Pj+ k|efjsf/L ?kdf ;+rfng ug{ ;hutf a9fpg]
;Dd]ngsf ;xefuL
n3'ljQdf cfj4 dlxnf ;b:ox? sl/a %)) / n3'ljQ ;+:yfsf kbflwsf/Lx? tyf gLlt
lgdf{tfx? !)) ;d]t u/L sl/j ^)) hgf ;xefuL x'g] ck]Iff ul/Psf] 5 .
;Dd]ngsf] d"ngf/f
æpBdzLntfsf] ljsf;, Ufl/jL lgjf/0fsf] lgsf;Æ
/fli6«o n3'ljQ ;b:o ;Dd]ng – @)&#
3

;Dd]ngsf] ;+of]hg
o; ;Dd]ngsf] ;+of]hg :jfjnDag ljsf; s]Gb|n] u/]sf] 5 . xfn o; s]Gb|n] n3'ljQ
;+:yfx?sf] g]6js{sf] ?kdf sfo{ ;+kfbg u/L cfPsf] / n3'ljQ ;+:yfx?sf] Ifdtf ljsf; /
n3'ljQ ;DjGwL] cg';Gwfg / n3'ljQ ;+:yfx?sf] aLr cfk;L ;dGjo / P]Soj4tf j[l4df
;+nUg /lx cfPsf] 5 .
;Dd]ngaf6 ck]lIft kl/0ffd
s_ n3'ljQ ;b:ox?sf] dgf]jn tyf pT;fx a9\g]
v_ ;b:ox?sf] cg'ej cfbfg k|bfgaf6 cfk;L 1fg tyf l;sfO a9\g]
u_ n3'ljQ ;b:ox?sf] jLrdf ;dembf/L / P]Soj4tf a9\g]
3_ n3'ljQdf b]lvPsf] ljs[lt tyf lj;+ult lgoGq0fdf ;3fp k'Ug]
ª_ n3'ljQsf] t[0fd"n (grassroots) cg'e"lt gLlt lgdf{tfx?n] ug{ kfpg]
r_ n3'ljQ gLlt lgdf{0fsf nflu k[i7kf]if0f kfpg]
5_ n3'ljQ ;]jfaf6 k|fKt k|ltkmn /fli6«o ljsf;sf] ;"rf+s x'g ;Sg]
h_ n3' pBdzLntf k|j4{g x'g]
;Dd]ngsf] ldlt
h]i7 @–# ut], @)&# -d] !%–!^, @)!^_
;Dd]ng :yn
xf]6n ofs P08 otL, b/jf/ dfu{, sf7df8f}+
4
æpBdzLntfsf] ljsf;, ul/jL lgjf/0fsf] lgsf;Æ

sfo{qmd
klxnf] lbg M h]i7 @, @)&# -d] !%, @)!^_, cfOtjf/
;do ljj/0f
)&M)) – )(M!% ;xefuL btf{ ÷ gf:tf
)(M!% – !!M#) pb\3f6g ;df/f]x
!= cf;g u|x0f sfo{qmd
k|d'v cltly M ;DdfggLo k|wfgdGqL >L s]=kL= zdf{ cf]nL
ljz]if cltly M dfggLo cy{ dGqL >L lai0f' k|;fb kf}8]n
ljz]if cltly M ueg{/ 8f= lr/+hLla g]kfn, g]kfn /fi6« a}+s
;df/f]x ;efklt M >L z+s/ dfg >]i7, cWoIf, cfof]hs ;ldlt
@= :jfut efif0f M >L euatL rf}w/L, ;b:o, cfof]hs ;ldlt
#= cltlyx?af6 dGtAo
$= ;Daf]wg efif0f M k|d'v cltly ;DdfggLo k|wfgdGqLHo"af6
%= wGoafb 1fkg M >L wd{/fh kf08], ;b:o, cfof]hs ;ldlt
^= ;efkltaf6 dGtJo
!!M#) – !@M))
;b:ox?åf/f pTkflbt j:t'x?sf] k|bz{gL pb\3f6g / tTkZrft lrofkfg
qmdzM
/fli6«o n3'ljQ ;b:o ;Dd]ng – @)&#
5

sfo{qmd
!@M)) – !#M#)
n3'ljQ If]qsf] ljsf;, r'gf}tL / ;+efJotf
sfo{kq k|:t'tL
!= 8f= g/xl/ 9sfn, sfo{sf/L lgb]{zs, ;zlQms/0f tyf ljsf; s]Gb| ;];g cWoIf
@= 8f= lagf]b cfq]o, sfo{sf/L lgb]{zs, n3'ljQ k|j4{g tyf >L z+s/ dfg >]i7
;'kl/j]If0f ljefu, g]kfn /fi6« a}+s
cWoIf
#= 8f= ;'ldqf dfgGw/ u'?Ë, k|d'v sfo{sf/L clws[t, dlxnf :jfjnDag ljsf;
;xofqf dfOqmf]kmfOgfG; ljQLo ;+:yf ln=
s]Gb|
$= >L cf;dfgL rf}w/L, cWoIf, u|fdL0f dlxnf pTyfg s]Gb|
!#M#) – !$M#)
!$M#) – !^M#)
lbjf vfgf
;xefuL n3'ljQ ;b:ox?sf] cg'ej cg'e"lt k|:t'tLs/0f -qmdzM_
l6Kk0fLsf/
;];g cWoIf
!= >L ;"o{ k|;fb cfrfo{, ;x–;lrj, cy{ dGqfno >L of]u]Gb| d08n,
@= >L ;'/]z k|wfg, ;x–;lrj, ;xsf/L tyf ul/aL lgjf/0f dGqfno
#= >L a[x:klt clwsf/L, pklgb]{zs, g]kfn /fi6« a}+s
cWoIf tyf
sfo{sf/L lgb]{zs,
hLjg ljsf; ;dfh
!^M#) – !&M))
!&M)) – !*M#)
lrof
;xefuL n3'ljQ ;b:ox?sf] cg'ej cg'e"lt k|:t'tLs/0f
qmdzM
6
æpBdzLntfsf] ljsf;, ul/jL lgjf/0fsf] lgsf;Æ

sfo{qmd
bf];|f] lbg M h]i7 #, @)&# -d] !^, @)!^_ ;f]djf/
;do ljj/0f
)*M)) – )(M)) gf:tf
)(M)) – !)M#) n3'ljQ If]qn] ef]u]sf] r'gf}tL af/] ;d"xut 5nkmn
!= u|fxs ;'/If0f tyf ljsf;
(Client Protection & Development)
@= n3'ljQ ;]jfdf clt ljkGg ju{sf] ;dfj]z
(Enhancing outreach to the Extreme Poor)
#= n3'ljQdf b]lvPsf] ljs[lt tyf ljrng
(Weaknesses & Deviations in microfinance operations)
$= u|fxsnfO{ cTolws shf{ nufgL tyf cgfjZos shf{ ef/
(Over financing & over indebtedness of clients)
%= u|fxs ;b:osf] :t/f]Gglt tyf pBdzLntfsf] ljsf;
(Graduation of Clients & Entrepreneurship Development)
;xhstf{x?
!= >L /fdrGb| hf]zL
@= >L ef]h/fh a:ofn
#= >L zf]ef ah|frfo{
!= >L aL/ axfb'/ clwsf/L
@= >L Zofd sfGt rf}w/L
#= >L /fd k|;fb sfˆn]
$= >L clgnf >]i7
!= >L wd{/fh kf08]
@= >L r08L k|;fb zdf{
#= >L ;fljqL >]i7
!= >L dx]Gb| s'df/ lu/L
@= >L 8Da/ axfb'/ zfx
#= >L ls/0f yf?
!= >L g/]z dfg k|wfg
@= >L dl0f s'df/ cof{n
#= >L ;+ho s'df/ d08n
$= >L uf]ljGb /fpt
!)M#) – !!M))
!!M)) – !@M#)
!@M#) – !#M#)
!#M#) – !$M))
lrof
;d"xsf] k|ltj]bg k|:t'tLs/0f
vfgf
;Dd]ngsf] 3f]if0fkq tof/L
qmdzM
/fli6«o n3'ljQ ;b:o ;Dd]ng – @)&#
7

sfo{qmd
!$M)) – !%M#)
;dfkg ;df/f]x
!= cf;g u|x0f sfo{qmd
k|d'v cltly M dfggLo cy{ /fHo dGqL >L bfdf]b/ e08f/L, cy{ dGqfno
ljz]if cltly M dfggLo ;f+;b >L uug yfkf
dfggLo ;f+;b >L /laGb| clwsf/L
dfggLo ;f+;b >L uf]kfn blxt
>L nSsL z]kf{, k"j{ ;f+;b
>L lzj/fh >]i7, 8]k'6L ueg{/, g]kfn /fi6« a}+s
;df/f]x ;efkltM >L z+s/ dfg >]i7, cWoIf, cfof]hs ;ldlt
@= :jfut efif0f M >L kßf;gf zfSo, ;b:o, cfof]hs ;ldlt
#= ;Dd]ngsf] k|ltj]bg k|:t'lt M >L /fh]Gb| axfb'/ k|wfg, ;b:o, cfof]hs ;ldlt
$= ;xefuLx?sf] tkm{af6 dGtJo
%= cltlyx?af6 dGtJo
^= wGojfb 1fkg M >L dx]Gb| s'df/ lu/L, ;b:o, cfof]hs ;ldlt
&= ;efkltaf6 ;dfkg dGtJo tyf ;ef la;h{g
!%M#) – !&M))
lrof tyf k|bz{gL cjnf]sg
8
æpBdzLntfsf] ljsf;, ul/jL lgjf/0fsf] lgsf;Æ

fli6«o n3'ljQ ;b:o ;Dd]ng – @)&#

æpBdzLntfsf] ljsf;, ul/jL lgjf/0fsf] lgsf;Æ