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Sri Lanka Microfinance Forum ISSN 2012-5666

Volume 2, September 2009

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Sri Lanka Microfinance Forum

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rpy;th> ,yq;if tpahghu mgptpUj;jp epiyaj;ij Nrh;e;j jpU. rhpj;j uj;tj;j> GTZ PROMIS epWtdj;ij Nrh;e;j jpU. `rpj;j tpN[Re;ju> Nrth gpdhd;]; epWtdj;ij Nrh;e;j jpU. ghthNyh Nkyp> ghfp];jhd; Ez;epjp tiyaikg;ig Nrh;e;j jpUkjp mghd; `f; MfpNahh; ,e;j ntspaPl;Lf;F fl;Liufis toq;fpaikf;fhf ed;wp $WfpBNwhk;. MNyrfh; rigapdh; je;j MjuTf;fhf mth;fSf;Fk; vkJ ed;wpfs;. ,e;jj; Jiwapy; Kd;Ndhbfs; njhptpj;j rpy fUj;Jf;fSk; rpy tpla Ma;TfSk; ,e;j ntspaPl;by; mlq;Ffpd;wd. re;jh gw;wpa Nfs;tpfs;> fUj;Jf;fs;> ve;j nkhopapNyDk; fl;Liu gq;fspg;Gfs; kw;Wk; NjitfSf;F jaTnra;J Ez;epjp kd;wk; microfinance.forum@gmail.com vd;w KfthpAld; njhlh;G nfhs;sTk;. cq;fs; cz;ikAs;s epNuh\dp RtdtL> ,k;uhd; egPh;.

jq;fs; mDgtj;ij vq;fSld; gfph;e;J nfhz;l midtUf;Fk; vq;fs; ed;wpfs;. ngnue;jpdh epWtdj;ij Nrh;e;j jpU. Jyhd; B

mLj;j ,yq;if Ez;epjp kd;w ntspaPlb ; y;: Ez;epjp epWtdq;fSf;F epjpaspj;jy; - vq;Nf top jpwg;gJ? mLj; j ntspaPl; by; ,yq; if Ez; epjp epWtdq; fSf; F epjpaspg; gJ vd; w tplak; gw; wp fye; JiuahLNthk;. vdNt> rfy Mh; tyh; fs; > Cf; Ftpg; ghsh; fs; > tiyaikg; ghsh; fs; KjyPl; lhsh; fs;> xOq; fikg; ghsh; fs;> kw; Wk; mf; fiwAs; s jug; gpdh; MfpNahhplk; > mth; fsJ mDgtj; ijAk; fUj; Jf; fisAk; vkf; F mDg; gp itf; FkhW Nfl; Lf; nfhs; fpNwhk; . Ez; epjp epWtdq; fSf; F epjpaspg; gJ> ,e; j Jiwia mgptpUj; jp nra; tjpy; vjphN ; ehf; fg; gLk; ghhpa gpd; dilTfspy; xd; whFk; vd;W gy jug;GfspypU e; J ehk; Nfs; tpg; gLfpNwhk; . ,yq; iff; nfd

Ez; epjpf; nfhs; if gw; wpa tplak; Fwpj; J ehq; fs; fye; Jiuahba NghJ Ke; jpa ntspaPl; bYk; gy jlitfs; ,J gw; wp Fwpg; gplg; gl; bUe; jJ. ,yq; ifapy; Ez; epjp Jiwf; F jw; NghJ epjpaspg; gJ mtru tplaq; fspy; xd; whFk; . vdNt> mDgtq; fs; vit vd;Wk; jilfs; vitNaDk; cs; sdth vd; Wk; ehk; mwpa tpUk; GfpNwhk; . NkYk; > cq; fsplkpU e; J gy Nahridfis ehk; vjph; ghh; f;fpNwhk; . ,jpy; FWf; fpIk; jilfis vt; thW ehk; ntw; wp nfhs; syhk; . kPz; Lk;> cs; Sh; > gpuhe; jpa> rh; tNjr mDgtq; fisAk; rpwe; j eilKiwsisAk; Nefhpf; f tpUk; GfpNwhk; .

gq; fshNj\py; PKSF> ,e; jpahtpy; NABARD> SIDBI Mfpatw; iw my; yJ NtW rpy cjhuzq; fis ,yq; if gpd; dzpf; F Kf; fpag; gLj; jp kjpg; gplyhk; .

njhlh;ghd Fwpf;Nfhs; fbjj;jpd;gb ,yq;if kj;jpa tq;fp epjpj; Jiw Nkw;ghh;itf;fhd tha;g;ig tp];jhpj;Jf; nfhs;Sk;: epjpj; Jiw Nkw;ghh;itf;fhd tha;g;ig tp];jhpj;Jf; nfhs;s> itg;ig ngw;Wf; nfhs;Sk; epjp epWtdq;fs; kPJ gpukhzq;fis mKy; nra;tjpy; ,yq;if kj;jpa tq;fpapd; rl;l mjpfhupf;F $Ljyhd njspT 2009 brk;gh; khj KbtpYk; tq;fp rl;lj;jpw;F 2010 [{d; khjkstpYk; xU jpUj;jj;ij nfhz;L tUtjd; %yk; mwpKfk; nra;ag;gLk;. Vt;thwhapDk; ,jpy; Ez;epjp epWtdq;fSk; Nrh;f;fg;gLkh vd;gJ njspthf;fg;gltpy;iy. (http://www.cbsl.gov.lk/ pics_n_docs/latest_news/

loi_25072009.pdf) Aj;j tyaj;ij Gdh; eph;khzk; nra;tjw;fhf ,yq;if Ez;epjpia ehLfpwJ. ,lk;ngah;e;j 300>000 kf;fis kPs; Fbakh;j;Jtjw;fhd [dhjpgjpapd; jpl;lj;jpd; xU gFjpahf Kd;dhs; tlgpuNjr Aj;j tyaj;jpy; cs;Sh; tptrhaj;ijAk; th;j;jfj;ijAk; tpUj;jp nra;tjw;fhf ,yq;if murhq;fk; 26 kpy;ypad; nlhyh; Ez;epjp fld; jpl;lnkhd;iw Muk;gpj;Js;sJ. (Daily Mirror, 13th of July) www.dailymirror.lk

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nra;jp tyk; tyk cs;Sh; nra;jpfs; NDTF Ez;epjp epWtdq;fSf;fhd kPse ; pjpaspg;G fld;fSf;F tl;b tPj tuk;ig eph;zapf;fpwJ. ,e;j tuk;G 15% kl;lkhf ,Uf;Fk;. Kd; NNyhridfs; vJTkpd;wp Mr;rhpag;gLk; tifapy; ,e;j eltbf;if vLf;fg;gLfpwJ. Institute of Bankers Ez;epjp bg;Nshkh gapw;rp newp Muk;gpf;fg;g l;Ls;sJ. J Nkyjpf tpguq;fSf;F 0716 822 404 vd;w njhiyNgrp ,yf;fj;jpy; kQ;RshTld; njhlh;G nfhs;sTk; Nkw;ghh;it fl;likg;gpYs;s ,ilntspfis , yq;if kj;jpa tq;fp rPyuikj;Jf; nfhs;Sk;: Ez;epjp epWtd jahh;epiy cld;gbf;if

GTZ ProMiS ,dhy; tq;fpapaYld; $l;lhf Fiwghlhd ti(Continued on page 3)


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nra;jp tyk; tyk (Continued from page 2) yaikg;Gld; ntspaplg;gl;l ,yq;if Ez;epjpj; Jiw mwpf;if. Ez;epjpapd; Nfs;tpapypUe;J Ez;epjpf;fhd epuk;gy; tiuapyhd rfy mk;rq;fs;> xOq;fikg;Gf;Fk; nfhs;if tptfhuq;fSf;Fk;> Jiwf;fhd md;gspg;ghsh; MjuT> Jiw vjph;Nehf;Fk; Kf;fpa rthy;fs; Mfpatw;wpd; gutyhd Nky;Njhw;wj;ij mwpf;if jUfpwJ.www.microfinance.lk vd;w KftupapypUe;J mwpf;ifia ePq;fs; lTz;Nyhl; nra;J nfhs;syhk;. ,yq;if Ez;epjp Mh;tyh;fs; rq;fk; mjd; mq;fj;Jt epWtdq;fspd; ,uz;L Copah;fis ,j;jhypapy; ghhpa Ez;epjp gapw;rpf;F mDg;gpAs;sJ. ,U Copah;fisAk; gapw;rpapd; gpdd ; h; ,yq;if Ez;epjp Mh;tyh;fs;

rq;fj;jpd; ts cjljpNahfj;jh;fshf gad;gLj;jyhk;. kl;lf;fsg;G YMCA cly; hPjpapy; rthy;fis vjph;Nehf;FNthUf;fhf Ez;epjpaj;ij Muk;gpf;fpwJ. NkYk; tptuq;fSf;F ymcabatt@sltnet.lk Kfthpapy; njhlh;G nfhs;sTk;. GTZ PROMIS [{iy khjj;jpy; xOq;F nra;j ,izg;G tq;fpapay; rk;ge;jkhd fUj;juq;F xd;wpy; NABARD, LOLC and Oxfam GB Mfpatw;iwr; Nrh;e;j mjpjp Ngr;rhsh;fs; fye;J nfhz;lhhfs;. ,e;j fUj;juq;fpy; ,izg;G tq;fpapaYld; ,e;jpa> ,yq;if mDgtk; gw;wp tpsf;fg;gl;lJld; ,yq;ifapy; ,izg;G tq;fpapaiy Muk;gpg;gJ gw;wpa rhj;jpaq;fs; Fwpj;Jk; Muhag;gl;lJ.

Kfhikj;Jtj;jpw;fhf ,yq;ifapd; nkhul;Lt gy;fiyf;fofj;jpypUe;J nkd;nghUs; gpuNahfk;: nkhwl;Lt gy;fiyf;fofj;jpd; jfty;gl P khzth;fs; ,YUth; jahhpj;j "Hope for poor - Sasrutha" vd;w xU nkd;nghUs; gpuNahfk; 2009Mk; Mz;L [{iy khjk; 3Mk; jpfjpapypUe;J 8Mk; jpfjptiu vfpg;jpd; jiyefuhd ifNuhtpy; eilngw ,Ue;j cyf Nghl;bapy; fye;J nfhs;tjw;fhf ikf;Nuhnrhg;w; ,Nk[pd; fg; khzt Nghl;bapdhy; 6 ,Wjpg;Nghl;b mikg;Gfspy; xd;whf njhpT nra;ag;gl;lJ. http://www.pr.com/ press-release/158803

Ez;epjpapd; ,yF

rh;tNjr nra;jpfs; Ez;epjpa pd; r%f jhf;f k; rk;g e;jkhd Ma;Tfis Economist Magazine kjpgg ; L P nra;J tUfpwJ. mgp [pj; gdh;[p> v]; jh; Lt; Nyh> wNry; fpsd]; uh; > rpe;jpah fpz;zd; MfpNahh MfpNahuhy; vOjg; gl; l “The Miracle of Microfinance? Evidence from a Randomised Evaluation” ” vd; w gj;jphpiffs CGAP apdhYk;; tp]; jhpg; ghFk; Ez; njhopy; fld; trjpapdhYk; ntspaplg; gl; lJ: kzpyhtpy; jhf; fq; fis kkjpg; gpLtjw; F jfl; LNkdpahd tpepNahf jPh;khdq; fs; Bd; fhh; yd;> N[hehjd; rpd; kd; MfpNahuhy; Nkw; nfhs; sg; gl; L k]h#nrw; ]; njhopy;El; g epiyaj; jpd; nghUshjhu jpizf; fsj; jpw; Fs; ,aq; Fk; Poverty Action Lab epiyaj; jpdhy; ntspaplg; gl; lJ. nfhs; if tpQ;Qhd rhd;Wfis mbg; gilahf nfhz; lJ vd; gij cWjpnra; tjd; %yk; tWikia Fiwg; gJ vd; gNj ,e; j njhopy;El; g epiyaj; jpd; Nehf; fkhFk; . (www.microcapital.org) MIX re; ij njhlh;gghf ntspaplg;gl;l tptuq;f Sld; nkhj;j k; 313 Ez; epjp epWtdq; fspypUe; J Kf; fpa gFg; gha; Tf; Fk; juTfSf; Fnkd rkh; g;gpf; fg; gl; l 244 Ez; epjp epWtdq; fspd; 2007Mk; tUl epjpahz; il 2008Mk; tUl Mrpa Ez; epjp gFg; gha; itAk; Kf; fpa mwpf; ifiaAk; ftdj; jpw;F vLf; fpwJ. ,e; j juTfspy; njw; fhrpahtpYk; fpof; fhrpa grpgpf; fpYk; cs; s 16 ehLfs; mlq; Ffpd; wd: njw; fhrpahit Nrh; e;j Mg; fhdp]j ; hd; > gq; fshNj\; > ,e; jpah> Neghsk; > ghfp]; jhd; > ,yq; if kw; Wk; grpgpf; if Nrh; e;j fk; Nghbah> rPdsh>

fpof; F hPNkhh; > ,e; njhNdrpah> yhNth]; > Gg; Gth epA+ fpdp> gpypg; igd; ]; > rhNkhth> jha; yhe; J> tpal; dhk; Mfpa ehLfs; ,itahFk; . xU rpW FOthd 184 Ez; epjp epWtdq; fs; 2006-7Mk; Mz; Lf; fhd ngWNgw; W Nghf; Ffis gFg; gha; tjw; F NghJkhd juTfis je; jd.. http://www.themix.org/ publications/2008-asia-microfinanceanalysis-and-benchmarking-report 2008 Ez;epjp njhopy;El;g kjpg;gL P . 152 Ez;epj p epWtdq;fis cs; slf;f pajhf 2008Mk; Mz; L [{iy khjk; njhlf; fk; nrg; nuk; gh; khjk; tiu ,e; j kjpg;gPL elj; jg; gl; lJ. Ez; epjp epWtdq; fs; vt; thW njhopy;El; gj; ij gad; gLj; Jfpd; wd> Kfhikj; Jt jfty; KiwikfSf; fhf rf; jpfis> gytPdq; fis> tha; g;Gf; fis ,dk; fhz; fpd; wd vd; gJ gw; wpa jftiy Nrfhpf; Fk; mNjNtis Ez; epjp eWtdq; fs; vt; thW njhopy;El; g KjyPLfis mZFfpd; wd vd; gijAk; jPh;khdpg; gNj ,e; j kjpg; gPl;bd; Nehf; fkhFk; . ,e; j Mtzj; ij lTz; Nyhl; nra; tjw; F: http:// www.cgap.org/gm/document1.9.34552/2008%20Microfinance% 20Technology%20Survey.pdf Ez;epjp Mgj;J FwpjJ ; Microfinance Banana Skins 2009 Microfinance Managers’ kw;W k; k Ez; epjp Kfhikahsh; fs; MfpNahhpd; fUj; Jf; fs;. jw; Nghija cyf nghUshjhu neUf; fbapd; mjprak; fhuzkhf Ez; epjp Jiwapy;

fhzg; gLk; Mgj; Jf; fs; kPsTk; Vw; glyhk; vd; W Ez; epjp toq; Feh; fs> KjyPl;lhsh; fs; > xOq; fikg; ghsh; fs; MfpNahhpd; Gjpa kjpg; gPL xd; W $WfpwJ. gdh]; fpd; mwpf; ifia http://www.cgap.org/p/site/c/ template.rc/1.26.10907/ ghh; itaplthk; . ,e;jpa rpW irj;njhopy;f s; mgpt pUj;j p tq;fp Ez;epjp wpWtdq;fis jug;g Lj;Jk; Nrit xd;iw Muk; gpjJ ; s;sJ ,e;jpa rpW irj; njhopy;fs; mgptpUj; jp tq; fpapd; $l; L epWtdkhd SME Rating Agency of India Limited epWtdk; > ,e; jpa rpW irj; njhopy;fs; mgptpUj; jp tq; fp> Dun & BradstreetInc., kw; Wk; gy murhq; fjdpahh; Jiw tq; fpfs; Mfpad Ez; epjp wpWtdq; fis jug; gLj; Jk; Nrit xd; iw Muk; gpj; Js; sd. SMERA-MFI Rating epWtdk; > M F I s i n I n d i a (www.microcapital.org) epWtdj; ij jug; gLj;j ,Uf; Fk; xU RahjPd epWdkhFk; . tWikia xopg;gjw;F kPsR ; ow;r p Lucy Billingsleyapdhy; ]; jhgpf;fg; gl; l ly; y]py; jsj; ijf; nfhz; l 501(c) 3 ,yhg Nehf; fw; w epWtdk; tWikia xopg; gjw; fhd kPs; Row; rp vd; w jpl;lk; xd; iw jahhpj;Js; sJ. www.turnphonesintoloans.org

Cs;Sh;> rh;tNjr gapw;rp newpfSk; epfo;TfSk; “Ez;epjp

epW tdq;f”Sf; Sf;F epjpa spg g ; J njhlh;ghd fUj;juq;F GTZ PROMIS epWtdj; jpdhy; Mf]; l; /nrg; nuk; gh; khjq; fspy; nfhOk; gpy; elj; jg; gLk; . NkYk; tptuq; fSf; F: david.bartocha@gtz.de KfthpAld; njhlh; G nfhs; sTk; . R%f nraw;ghl;L mwpfi ; faply; tpUJ: r%f nraw; ghl; L mwpf; ifaplypy; vtspg; gil

jd;ikia mq;ff P hpfF ; k; ,e;j Gjpa tpUJf; fhd tpz; zg; gq; fs; ,g; nghOJ Vw; Wf; nfhs; sg; gLfpd; wd. tpz; zg; g KbT jpfjp 15-09-2009. EDA fpuhkpa Kiwik> Ez;epjp epWtdq;f Sf;fhd “nraw; nraw;ghl;L Mgj;J Kfhikj;Jt gapw; rp newpia mwpt pjJ ; s; sJ. Mgj; J rhj; jpaj; ij Fiwg; gjw; Fk; fz; L gpbg; gjw; Fk; ];jhgd hPjpapyhd

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tpthj muq;F ,yq;ifapy; Ez;epjpf; nfhs;if xd;Wf;fhd Njit Kjypy;> nfhs;if vd;why; vd;d mh;jj ; k; vd;gJ gw;wp xU nghJthd Ghpe;Jzh;it Vw;gLj;jpf; nfhs;Nthk;. ,Njh ,uz;L tiutpyf;fzq;fs;: “murhq; murhq;f nfhs;if” f vd;gJ> Fwpg;gpll ; xU tptfhuk; my;yJ xU njhFjp tptfhuq;fs; njhlh;ghf murhq;f epWtdq;fshy; vLf;fg;gLk; xU nraw;ghL my;yJ nraw;ghlw;w Kiwikahf nghJthf tiuaWj;Jf; nfhs;syhk;.

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“,J ,y;yhjtplj;J (Ez;epjpf; nfhs;if) tq;fpss;> $l;lwT mikg;gf;fs; Mfpad njhlh;ghf eilKiwapYs;s nfhs;iffs;> rl;lq;fs; Mfpatw;why; Ez;epjp epUtfpf;fg;gLfpwJ.”

xU nfhs;ifahdJ> jPhk ; hdq;fis topelj;jp gFj;jwpT Kbit(fis) ngw;Wf; nfhs;s xU cWjpahd nraw; jpl;lnkd tpthpf;fg;gLfpwJ. Vt;thwhapDk;> cz;ikapy; jpl;lkplg;glhjjhf ,Ue;jhYk; vd;d nra;ag;gl;lJ vd;gij Rl;bf;fhl;Ltjw;Fk; ,e;jg; gjk; ghtpf;fg;gLfpwJ. nfhs;ifahdJ tpjpfs; my;yJ rl;lq;fspypUe;J NtWgLfpwJ. rl;lkhdJ elj;ijfis (c.k;: tUkhdj;jpd; kPjhd thpf; nfhLg;gdit NfhUk; xU rl;lk;) fl;lhag;gLj;j my;yJ jLf;f KbAk;. mNjNtis> tpUk;gpa xU Kbit ngw;Wf; nfhs;sf;$ba nraq;ghLfis topelj;JtJ kl;LNk. ,e;j fl;Liuapy; typAWj;jg;gl;l tplak; Ez;epjp njhlh;ghd murhq;f nfhs;iff;F NjitahdjhFk; gpdd ; zp

etPd Ez;epjp my;yJ ,d;Dk; rhpahf $wpd; Ez;fld; vdg;gLtJ 1980fspy; rh;tNjr murrhh;gw;w epWtdq;fs; ,yq;ifapy; fpuhkpa Rw;W epjpfshf Muk;gpj;jjhFk;. Gpd;dh;> cs;Sh; mur rhh;gw;wp epWtdq;fs; Fwpg;ghf rh;Nthja SEEDS vdg;gLk; Ez;epjpj; jpl;lk; xd;iw Muk;gpj;jJ. gpdd ; h; ,j;jpl;lk; xU jdpahd jdpahd mur rhh;gw;wp epWtdkhf tpsq;fpaJ. ,d;W E}w;Wf; fzf;fhd mur rhh;gw;w jpl;lq;fs; mKy; nra;ag;gLfpdw ; d. murhq;fk; Muk;gj;jpy; “,RW” %ykhfTk; gpd;dh; “rKh;j;jp” %ykhfTk; ,j;jpl;lj;ij Muk;gpj;jJ. jw;NghJ Njrpa mgptpUj;jp ek;gpf;if epjpak; vdg;gLk; “[drtpa” %ykhfTk; mur rhh;gw;w epWtdq;fSf;F nkhj;jkhf fld;fis toq;fp tUfpwJ. 1980fspYk; 1990fspd; gpw;gFjp tiuapYk; Ez;epjpf;F Nkw;F ed;nfhil , ehLfsplkpUe;J md;gspg;G epjp ngwg;gl;L te;jJ. Mdhy; ,g;nghOJ ,j;jifa md;gspg;G epjpfs; Mw;wiy fl;bnaOg;g kl;LNk toq;fg;gLfpd;wd.NkYk; mNefkhf Ez;epjpf;fhd rfy epjpfSk; fld;dshfNt toq;fg;gLfpd;wd. ,e;jj; Jiw eilKiwf;F te;J ,g;nghOJ ,uz;L

jrhg;jq;fs; Mfpd;wd. Mdhy; mjid epUfpg;gjw;F xU nfhs;if> gpukhzk; my;yJ rl;lq;fNsh fpilahJ. ,it ,y;yhj epiyapy; tq;fpapay;> $l;LwT epWtdq;fs; Nghd;w Vida gphpTfSf;F nghUj;jjkhd jw;Nghija rl;lq;fs;> nfhs;iffspdhy; Ez;epjpAk; epUtfpf;fgLfpwJ. ,yq;ifapd; Ez;epjpj; Jiwf;F xU murhq;f nfhs;if Vd; Njitg;gLfpwJ? vdJ fUj;Jg;gb> ,e;j Jiwf;F Vd; murhq;f nfhs;if Njit vd;gjw;F %d;W fhuzq;fs; cz;L> 1. Nrkpg;G ,j;Jiwf;F xU nfhs;if Vd; Njit vd;gjw;F mjp Kf;fpakhd xU jdpf;fhuzk;> murhq;f rhh;gw;w epWtdq;fSk; Ez;epjp epWtdq;fSk; nghJ itg;Gf;fis ngw;Wf; nfhs;s jw;Nghija rl;lq;fs; mDkjpg;gjpyi ; y. xU Ez;epjpf; nfhs;if ,y;yhj gl;rj;jpy; tq;fpj; Jiwf;Fk; Vida mq;ff P hpf;fg;gl;l tq;fpay;yhj epWtdq;fSf;Fk; nghUe;jf; $ba rl;lq;fs; Wz;epjpiaAk; ghpghypf;fpd;wd. Ez;epjp eWtdq;fSf;F Nrkpg;ig ngw;Wf; nfhs;tjw;fhd chpik Fwpj;J murhq;fj;jpwF ; s; ngUk; Fog;gk; ,Ue;J tUfpwJ. Ez;epjpapy; mjprpwe;j eilKiwia xl;b epjpaikr;rpdhy; epUtfpf;fg;gLk; [drtpa jpl;lKk; kj;jpa (Continued on page 8)

Ez;epjp njhlh;ghd nfhs;if

rhpj uj;tj;j ,yq;if tpahghu mgptpUj;jp epiyak

“ntWk; mgpyhi\apYk; ghh;f;f eilKiwapYs;s nfhs;ifapd; mLj;j ntspg;gilahd tl;lhuk; Njrpa tuT nryT

jpll ; ;khFk;.ghuhuhS kd;wj;jpdhy; mq;fPfhpff ; g;gl;l murhq;fj;jpd; nrytpdjpl;lk; ,JthFk;”

nfhs;if vd;gjd; mfuhjp mh;jj ; k; Fwpg;gpl;l xU tplak; njhlh;ghf Vw;Wf; nfhs;sg;gl;l my;yJ njhpT nra;ag;gl;l xU nraw; jpl;lkhFk;. ,e;j nghJthd tiutpyf;fzj;ij vLj;Jf; nfhz;L ,yq;ifapd; Ez;epjp njhlh;ghd nfhs;ifia vq;Nf NjLtPh;fs;? murhq;fk; ,yq;ifapd; nghUshjhuj;jpy; ,j;jifa ghhpa gq;fspg;ig nra;tjhy; KjyhtJ ntspg;gilahd ,lk; murhq;fj;jpd; jw;Nghija nfhs;if Mtzkhd k`pe;j rpe;jidahFk;. ,e;j tplak; njhlh;ghd murhq;fj;jpd; Nehf;fj;ij ,J ntspf;fhl;LfpwJ. Mdhy; ,J eilKiwapYs;s xU nfhs;ifapYk; ghh;f;f xU tpUg;ghh;tKs;s MtzkhFk;. FWfpa fhyj;jpw;F murhq;fk; gjtpapy; ,Ue;jjhy; rpe;jidapy; Fwpg;gplg;gl;Ls;s ghuhl;lj;jf;f nfhs;iffis mjdhy; KOikahf mKy;nra;a Kbatpy;iy. xU tpUg;ghh;tj;jpYk; ghh;f;f eilKiwapYs;s nfhs;ifapd;

mLj;j ntspg;gilahd tl;lhuk; Njrpa tuTnryTj; jpl;lkhFk;. ,J ghuhSkd;wj;jpdhy; mq;fPfhpf;fg;gl;l murhq;fj;jpd; nryTj; jpl;lkhFk;. ,jpy;> ngUkstpyhd murhq;f kw;Wk; Ez;epjp JiwAld; rk;ge;jg;gl;l Jiz epWtdq;fSf;Fk; epjpfs; xJf;fg;gl;bUg;gij fhzyhk;. cjhuzkhf epjpaikr;R kf;fs; tq;fp> ,yq;if tq;fp> fpuhkpa gpuhe;jpa mgptpUj;jp tq;fpfs; kw;Wk; tphpthd Ez;epjp jpl;lq;fis nfhz;Ls;s murhq;f fl;Lg;ghl;bYs;s epjp epWtdq;fSf;Fk; epjpfis xJf;fpAs;sJ. Njrpa mgptpUj;jp ek;gpf;if epjpaNk Ez;epjp epWtdq;fSf;F nkhj;jkhf fld; troq;Fk; xNunahU murhq;f epjp toq;Fk; epWtdkhFk;. ,e;epWtdk; 150 gq;fhs epWtdq;fisf; nfhz;Ls;sJ. ,NjNghd;W> $l;LwT mikr;Rk; jpizf;fsKk; Ez;epjp toq;Feh;fspd; Cf;Ftpg;Gf;Fk; Nkw;ghh;itf;Fnkd epjpfis xJf;Ffpd;wd. $;’LwT fpuhk tq;fpfs;> rdr> rKh;jj ; pNjr eph;khz mikr;R> njfkp jphpa rKjha mgptpUj;jp> tho;thjhu

tUj;jp jpl;lk;hd fkneFk Mfpatw;iw Nkw;ghh;it nra;fpd;ed.Ez;epjpj; Jiwia ghjpf;Fk; Ez;epjpf; nfhs;ifia jahhpj;J mKy; nra;tjw;F kj;jpa tq;fpf;F mjpfhuk; mspf;fg;gl;Ls;sJ. tq;fpr; rl;lj;jpd;gb nghJ kf;fsplkpUe;J epjp itg;Gf;fis Vw;Wf; nfhs;Sk; rfy epjp epWtdq;fisAk; Nkw;ghh;it nra;tjw;Fk; rl;lj;ij kPWk; epWtdq;fs; kPJ tof;F njhlh;tjw;Fk; kj;jpa tq;fpf;F mjpfhuk; mspf;fg;gl;Ls;sJ. ,isQh; tptfhu mikr;R mjd; epUthfj;jpYs;s Njrpa ,isQh; Nritfs; kd;wj;jpd; nraw;ghLfSf;F Njrpa ,isQh; Nrit Nrkpg;G> fld; $l;LwT mikg;G Mfpatw;Wf;F epjp xJf;fpAs;sJ. ,J Nghd;w NtW gy epWtdq;fSf;Fk; Kfth; mikg;Gf;fSf;Fk; guhSkd;wj;jpd; Njrpa tuTnryT jpl;lj;jpd; %yk; epjp xJf;fg;gLfpwJ. ,e;j epWtdq;fspy; ngUk; njhifahdit rl;lhPjpahdit. vdNt> mLj;j (Continued on page 8)


Volume 2, September 2009

gf;fk; 5

tpla Ma;Tfs; ,yq;ifapy; Ez;epjp Jiwapd; rl;l mk;rq;fs; gw;wpa Ma;T yq;if Ez;epjpj; Jiw rk;ge;jkhf jw;NghJ eilKiwapYs;s rl;lq;fs;> tpjpfs; gw;wpa kjpg;gPL xd;W mz;ikapy; GTZ – ProMiS epWtdj;jpdhy; kjpg;Gtha;e;j FJ & G de Saram rl;l epWtdj;jpDld; ,ize;J Nkw;nfhs;sg;gl;lJ ,e;j Ma;T yq;fh Ez;epjpahsh;fs; rq;fj;jpdhy; Muk;gpj;J itf;fg;gl;lJ. Ntt;NtW rl;lq;fs; ntt;NtW tifahd Ez;epjpahsh;fis vt;thW ghjpf;fpwJ vd;W mwptjw;fhf xU KOikahd Ma;T Nkw;nfhs;sg;gl;lJ. ,j;jifa rl;lq;fspd; gyk;fs;> gytPdq;fs; Mfpad Kf;fakhf mtjhdpf;fg;gl;ld. Xt;nthU rl;lmpaw;wypYk; rl;lhPjpahd gpukhzq;fis Nrh;g;gjd; %yk; ntt;NtW tifahd Ez;epjp epWtdq;fis Njhw;Wtpg;gjw;fhd rl;l eilKiwfs; epiwNtw;wg;gl;ld. NkYk;> gz itg;ig fl;bnaOg;Gjy;> Ez;epjp epWtdq;fspy; ntspehl;L KjyPL> ntspehl;L fld;fspy; fl;Lg;ghLfs;> mlF gpbj;jy;>

yPrpq;> fhg;GWjp Nritfis Nkw;nfhs;tjpy; Ez;epjp epWtdq;fSf;F Vw;gLk; jilfs; kw;wk; fpjp njhlh;ghd ngWkjp Nrh;f;fg;gl;l thp rk;ge;jg;gl;l gpur;rpidfs; Mfpad; Fwpj;J tphpthf Muhag;gl;lJ. mwpf;if tbtpy; tpiutpy; ntsptu ,Uf;Fk; ,e;j Ma;T ,yq;if Ez;epjp Jiwapy; fhzg;gLk; ghhpa ,ilntspia epug;Gtjhf ,Uf;Fk;. xOq;fikg;ghsh;fs; kw;Wk; ed;nfhilahsh;fs;> fy;tpkhd;fs;> MNyhrfh;fs; Nghd;w Vida gq;Fjhuh;fs; rl;l Nfhzj;jpypUe;J ,e;jj; Jiwia Ghpe;J nfhs;tJ Ez;epjpahsh;fSf;F NgUjtpahf ,Uf;Fk;. Ez;epjp epWtdq;fis ghjpf;Fk; gy;NtW thpirfspyhd rl;lq;fs; Muhag;gl;ljhy; Ez;epjp gapw;rpahsh;fs; jq;fis ghjpf;Fk; rl;lq;fis mtjhdpj;J FiwghLfis rPh;nra;tjw;fhd eltbf;iffis Nkw;nfhs;s KbAk;.

Ez;epjp Jiwiw ghjpf;Fk; gy;NtW tifahdahdJk; gd;KfkhdJkhd rl;lq;fs; Fwpj;J ftdk; nrYj;jg;gl;lik ,e;j Ma;tpd; xU Kf;fpa mk;rkhFk;. ,e;j tifapy; ,e;j Jiwf;nfd nghJthf Vw;Wf; nfhs;sg;gl;l rl;l fl;likg;G> ehl;by; Ez;epjp Jiwia jug;gLj;jp Gyikj; njhopyhf;Ftjw;F mtrpakhFk;. Nkyp tpguq;fSf;F Ez;epjpj; Jiwapd; Cf;Ftpg;G epGzh; `rpe;j tpN[Re;juTld; Hasitha.Wijesundara@gtz.de Hasitha vd;w kpd;dQ;ry; Kfthpapy; njhlh;G nfhs;syhk;.

`rpj tpN[Re;ju Ez;epjp epGzh; Promotion of the Microfinance Sector (PROMIS)

xU $g;gd; cq;fs; tho;fi ; fia khw;wyhk; Berendina Microfinance Institute (BMI), ,yq;ifapy; cj;juthjj;jpd; Nghpy; fk;gdpfs; rl;lj;jpd; fPo; xU ,yhg Nehf;fw;w fk;gdpahf 2007Mk; Mz;L Nk khjj;jpy; ];jhgpf;fg;gl;lJ. BMI, ,yq;ifapy; ngNue;jpdh FW}g;gpd; Ez;epjp epWtdkhFk;.

my;yJ Vw;nfdNt nra;Ak; njhopiy tpUj;jp nra;tjw;F mth;fSf;F njhopw; jpwd; gapw;rpAk; Njit. vdNt> fld; trjpAld; mth;fSf;F njhopy; Kaw;rp mgptpUj;jp Nritfis toq;Fk; tifapy; “fld;+” mZFKiw xd;iw BMI gpd;gw;WfpwJ.

GJikahd jpl;lq;fs;> fl;likg;G> gadhh;e;j nraw;ghLfs; Mfpad fhuzkhf BMI FWfpa fhyj;jpy; JbJbg;ghd Ez;epjp nraw;ghl;L mikg;ghf tsh;r;rp mile;Js;sJ. %d;W khtl;lq;fspy; ehd;F gpuNjrq;fspy; nraw;gLk; BMI 11>000f;Fk; mjpfkhd thbf;ifahsh;fSf;F Nritahw;WfpwJ. ,th;fspy; 62.4 rjtPjkhNdhh; ngz;fshth;. nrYj;jg;glhjpUf;Fk; fld; kpFjp 158 kpy;ypad; &ghthFk;. Xt;nthU ntspf;fs cj;jpNahfj;jUk; 730 thbf;ifahsh;fSf;F nghWg;ghf ,Uf;fpwhh;fs;. nraw;ghl;L hPjpapy; RaNjitia G+h;j;jp nra;J tUfpwJ. Jw;NghJ> mjd; nrytpdj;jpy; 89 rjtPjj;ij RakhfNt rk;ghjpf;fpwJ.

BMI apd; njhopy; Kaw;rp mgptpUj;jp Nritfspd; Gjpa mk;rk; vd;dntdpy; $g;gd; KiwikahFk;. BMI apypUe;J xUth; fld; ngWk;NghJ njhopy; Kaw;rp Nritf; $g;gd;fisAk; nfhs;tdT nra;a Ntz;Lk;. fld; njhifia nghWj;Nj $g;gd;fspd; ngWkjpAk; ,Uf;Fk;.

njhopy; Kaw;rp mgptpUj;jp Nritfs; twpath;fSf;F gzk; nfhLg;gjhy; kl;Lk; tWikia xopj;J tplKbahJ vd;W BMI ek;GfpwJ. twpa kf;fSf;F> epjp cjtpAld; mth;fs; Gjpa njhopy; xd;iw Muk;gpg;gjw;F

gapw;rpf;fhd nfhLg;gdthf Vd; $g;gd;fs;? gapw;rpf;F mjpf nrythFk; vd;gjhy; kpfr; rpyNu gapw;rpf;fhf gzk; nfhLf;f Kd;tUfpwhh;fs;. ,ytr gapw;rp> Jhpj gz tuT fpilf;fhik Nghd;w ttuyhw;W fhuzq;fSf;fhf epjp toq;fg;glhj Nritfis kf;fs; kjpg;gjpy;iy. vt;thhwhapDk;> BMI thbf;ifahsh;fs; xU flid ngWk; NghJ mth;fs; $g;gd;fisAk; thq;f Ntz;Lk;. Mth;fSf;F toq;fg;gl;l $g;gd;fis gad;gLj;jp mth;fs; njhopy; Kaw;rp mgptpUj;jp Nritf;fhd nfhLg;gdit nrYj;j Ntz;Lk;. fld; njhifapd; ,Wjp re;jh gzj;ij nrYj;Jk; NghJ $g;gdpd;

ngWkjpia jpUk;g ngw;Wf; nfhs;syhk;. rRpy fld;fSf;fhf 250 &ghit BMI gpbj;J itj;Jf; nfhs;Sk;. Xt;nthU khj KbtpYk; njhopy; Kaw;rp mgptpUj;jp Nritfspd; ngWkjpfs; fpukkhf fzf;fplg;gLk;.njhopy; Kaw;rp NritfSf;fhf thbf;ifahsh;fs; gzk; nrYj;j Ntz;bajpy;iy. Fld; Kyjdk;> fld; tl;b> njhopy; Kaw;rp mgptpUj;jp Nritj; njhif Mfpatw;iw fzf;fpl;L flDf;fhd khjhe;j re;jh njhif jPh;khdpf;fg;gLfpwJ. BMIapdhy; toq;fg;gLk; njhopy; Kaw;rp mgptpUj;jp Nritfs;; gy tifahdit: c.k;. tptrhak;/fhy;eil> tptrhak; my;yhjit (czT gjdply;> nkOF th;j;jp cw;gj;jp> rth;f;fhu cw;gj;jp> mg;gparf; nfhg;gp jahhpj;jy;> Mil jahhpj;jy;> tpahghu mgptpJ;jpg; gapw;rp newpfs;> tpahghu fofq;fis ];jhgpj;jy;> re;ij njhlh;ghly;fs;. Xt;nthU fpisiaAk; Nrh;e;j njhopy; Kaw;rp mgptpUj;jp mjpfhhpfs; ,e;j Nritfis elj;Jthh;fs;. rfy BMI fspd; Ez;epjp mjpfhhpfSld; xUq;fpize;J ,r;Nritfs; toq;fg;gLk;. ngnue;jpdh Ez;epjp epWtdq;fs; mtw;wpd; thbf;ifahsh;fSf;F GjpaJk; fpuhf;fpahdJkhd epjp kw;Wk; epjpaw;w jpl;lq;fis

`rpj tpN[Re;ju Ez;epjp epGzh; Promotion of the Microfinance Sector (PROMIS)


gf;fk; 6

Sri Lanka Microfinance Forum

Ez;epjp El;gq;fs; rOf Kaw;rpAld; th;jj ; fj;ij rkg;gLj;Jjy;

ghNthNyh nkyp VSO / Sewa Finance

Ez;epjp epWtdq;fs; Fwpg;ghf ,yq;ifapy; gy gpuNjrq;fspy; ed;nfhil epjpaspg;G Vw;nfdNt tuz;L tpl;ljhy; ePz;lfhy epiyahd eltbf;If mbg;gilapy; gzpahw;w Ntz;Lk;.

Ez;epjp njhopy;Kiw> Kiwrhh; topapYk; Kiwrhuh topapYk; Mapuf;fzf;fhd tUlq;fshf tof;fpy; ,Ue;J tUfpwJ. gioa ehl;fspy; FLk;gq;fSf;Fk; r% fq;fSf;Fk; ,ilNa jhdpaq;fs;> czT> fhy;eil czT Nghd;wtw;iw thq;Ftjw;fhd cldb nryTfis rkhspg;gjw;nfd rpW njhifapyhd gzk; gu];guk; fldhf ngwg;gl;lJ. fle;j 30 tUl fhyj;jpy; $Ljyhd Kiwrhh; mikg;Gf;fs; Njhd;wpaJld; fk;gdpfSk; nkh`kl; A+D}]; vd;gtuhy; Muk;gpf;fg;gl;l etPd fhy Ez;epjp epWtdk; Nghd;w mikg;GfSk; Ez;epjp njhopy; Kiaia NkYk; xU gb tpUj;jpailar; nra;jJ. A+D}]pd; fdijAk; Kaw;rpAk; tuyhW gilj;Js;sd. Mdhy; mjd; ntw;wp ,e;jj; Jiwapd; Muk;g Nehf;fj;jpypUe;J jpirjpUg;Gtjhf ,Uf;fpwJ vd;W gyh; fUJfpwhh;fs;. xU Ez;epjp nrw;ghl;Lf;F thbf;ifahsh; vz;zpf;if xU ey;y mwpFwpah? xU Ez;epjp epWtdj;jpd; nraw;ghl;Lf;F mjd; thbf;ifahsh;fs; njhif xU ey;y mwpFwpah? nkf;] pNfhtpy; ed;F gpugy;ag;gLj;jg;gl;Ls;s Muk;g murhq;f nfhLg;gdT Vw;Wf; nfhs;sf; $ba ,yhg kl;lk;> thbf;ifahsh;fsplkpUe;J KjyPl;lhsh;fshy; vt;tsT tl;b mwtplg;gl;lJ kw;Wk; vt;tsT ,yhgk; ngwg;gl;lJ vd;w ,uz;L mbg;gilapYk; gy tprdq;fis Vw;gLj;jpaJ. fk;gdpapd; mNekhd cl;fl;likg;G mrhq;f epjpiaf; nfhz;L Vw;gLj;jg;gl;lJ. nkf;]pNfh Ez;epjp epWtdk; mjd; cah;kl;l ,yhgk; njhopy; Gyik nraw;ghl;bypUe;J

fpilj;jJ vd;Wk; mjid Jhpjkhf tphptila mDkjpj;jjhfTk; mjdhy; mNefkhNdhUf;F Jhpjkhf fld; toq;f Kbe;jJ vd;Wk; njhptpj;jJ. ,NjNtis> 100 rjtPjk; tl;b mwtpLtJ Ez;epjpapYk; ghh;f;f gzk; fld; nfhLg;gJ Nghd;wJ vd;W gyh; fUJfpwhh;fs;.

epWtdKk; mJ nraw;gLk; thbf;ifahsh;fspdJk; rKjhaq;fspdJk; tho;f;ifapy; nfhz;Ls;s jhf;fk; Fwpj;J chpa Kiwapyhd kjpg;gPL xd;W Njit. ,e;j tplak; r%f nraw;ghl;L Kfhikj;Jtk; MFk;. cynfq;fpYk; mJ Kf;fpaj;Jtk; ngw;W Jhpjkhf tsh;e;J tUfpwJ. tWikia twpa kf;fSf;F rpW fld;fis Fiwg;gJ vd;w ,e;j Jiwapd; toq;Ftjpy; nrytpdk; cz;ikahd Nehf;fk; Vw;gLfpd;w NgjhjpYk; njhlh;ghf msT juj;jpy; ,th;fshy; mjpf gzk; ftdk; nrYj;Jtjd; %yk; nrYj;j Kbahjjhy; tl;b th;jj ; fk; vjph; r%f Fiwj;J mwtplg;gl Kaw;rpapypUeJ tpthjj;ij Ntz;Lnkd ,d;dKk; rpyh; khw;Wtjw;fhd Kaw;rpahf ,J fUJfpwhh;fs;. ,J njhpfpwJ. R%f nraw;ghl;il tpUk;gj;jf;fJ. Mdhy; fz;fhzpj;jy; ,jw;F tpiJujp\;l trkhf ,e;j toplahfyhk;. Thbf;ifahsh;fdpd; Kiw Rakhf thOk; trjpia tho;f;iffspy; khw;wq;fs; nfhLf;fhJ vd;Wk; murhq;f gw;wpa tphpthd jftiy gy my;yJ rh;tNjr cjtpia fk;gdpfs; Vw;nfdNt Nrfhpj;J ehlr;nra;Ak; vd;Wk; Rl;bf; tUfpd;wd. rpe;jidfis fhz;gpf;fg;gl;Ls;sJ. vdNt> xUq;fpizg;gjw;Fk; Ez;epjp epWtdq;fs; ,yhgk; mstplg;gLtjw;nfd xU rPuhd rkghjpf;f Ntz;lkh? msT fUtp mg;gbahdhy; vt;tsT xd;iw ];jhgpg;gjw;Fk; r%f NghJkhdJ? ,e;j mikg;gpd; nraw;ghl;L rhjid mzp fl;likg;gpy; mNefk; Ngh; vdg;gLk; rh;tNjr mikg;G jq;fpAs;shh;fs;. xd;W cUthf;fg;gl;Ls;sJ. mJ ,yhj;Jf;F ,y;yhjhf> Ez;epjp epWtdq;fis r%f $l;lwthf> mur rh;gw;wjhf> jug;gLj;jYk; jw;NghJ my;yJ jdpahh; ,yhgfu rhjhuzkhfp tpl;lJ. fk;gdpahf ,Uf;fyhk;. Vw;nfdNt fld; jug;gLj;jiy thbf;ifahsh;fspd; eyDf;F Nkw;nfhz;L te;j gy Kfth; me;j ,yhgk; vt;thW epWtdq;fs; ,g;nghOJ ,e;j gad;gLj;jg;gLk; vd;W Nritia nra;J tUfpd;wd. njspthf njhpe;jhy;> M-CRIL, Microfinanza, Microthbf;ifahsh;fs; Ruz;lg;glhj Rate and Planet Rating tiu vy;yh ,yhgq;fSk; Mfpad ,tw;wpy; mlq;Fk;. ey;yitNa. ,e;j Nritfs; mjpf nrythditAk; Neuj;ij Ez;epjp epWtdq;fspd; vLg;gitAkhFk;. Mdhy; nraw;ghLfis vt;thW ehk; tWikiaAk; gytPdj;ijAk; mstplNtz;Lk;? Fiwg;gjpy; epWtdj;jpd; epjp Nahridfs; Mw;wypd; rhpahd mstpLjyhf Kf;fpakhditahfTk; tpahghu KbT ,Uf;Fkhdhy; mit tpjpapd; KjyhtJ tpjp mgWkjp kPjkhfTk; ,Uf;Fk; tha;e;jitahf ,Uf;Fk;. mNjNtis xt;nthU Cz;ikapy;> ,it ,d;wpNa

gaDs;s njhlh;Gfs; www.lankamicrofinance.com www.microfinance.lk www.cgap.org www.themix.org

www.seepnetwork.org www.edacapitalconnect.com www.bwtp.org www.mfnetwork.org

www.afmin-ci.org www.swwb.org www.inaise.org


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Volume 2, September 2009

rpwe;j nraw;ghLfs;; ghfp];jhdpy; Ez;epjp guk;giy tp];jhpj;jy; - Njrpa cj;jp ,q;Nf ntspaplg;gl;l fUj;Jf;fs; MrphpaUilait. Ghfp];jhd; Ez;epjp tiyaikg;gpd; fUj;Jf;fis gpujpgypg;gitay;y. KfTiu ghfp];jhdpd; kj;jpa tq;fpahd ];Nuw; Ngq;f; xt; ghfp];jhd; Vida gq;Fjhuh;fSld; MNyhrid fye;J 2007Mk; Mz;by; Njrpa Ez;epjp cj;jpia jahhpj;jJ. ,t;Ntsapy; Ez;epjpg; gphpT Fiwe;jJ xU kpy;ypad; jPtpu fld;fhuh;fSf;F Nritahw;wp NkYk; tsUk; epiyapy; ,Ue;jJ. Ez;epjp epWtd fl;lisr; rl;lk; 2001 vd;w tbtpy; ];Nuw; Ngq;f; xt; ghfp];jhdpdhy; xU xOf;fhw;W fl;likg;G xd;W mKypy; ,lg;gl;lJ. Fiwe;j tUkhdk; ngWk; kf;fSf;F rpW fld;fisAk; gzitg;G kw;Wk; gzkhw;wy; NritfisAk; toq;Fk; Ez;epjp tq;fpfis mikf;f ,e;j fl;lisr; rl;lk; cjtpaJ. NkYk;> Ez;epjpia xU mq;fkhf nfhz;l ngUk; njhifahd murhq;f rhh;gw;w epWtdq;fs; tpNrlj;Jt Ez;epjp epWtdq;fshf my;yJ gy;ghpkhz jpl;lq;fshf ,aq;fp tUfpd;wd. cj;jp – jfty; glk; glk rl;l kw;wk; re;ijia jphpG gLj;jpa xOf;fhw;W Kuz;ghLfs;> rpf;fyhd G+Nfhsguk;gy;> Ez;epjp epWtdq;fspd; epiyj;J epw;ff; $ba jd;ik> tpNrlj;Jtkpd;ik> Copah; Mf;fk;> jdp Mf;f (fld;) ftdk; Nghd;w ,j;Jiwapdhy; vjph;nfhs;sg;gl;l Kf;fpa tplaq;fs; Fwpj;J ftdk; nrYj;jg;gl;lJ. tuyhw;W tsh;r;rp> Mw;wy; Mfpatw;iw

mbg;gilahf nfhz;L 2010Mk; Mz;lstpy; 3 kpy;ypad; jPtpu fld;fhuh;fis mZFtnjd;w ,yf;if cj;jp eph;zapj;jJ. 3 Kf;fpa Njitfshtd: m) epiyj;J epw;ff;$ba nraw;ghLfs; M) jdpahh; cs;Sh; %yjdj;ij Nrfhpj;jy; ,) kdpjts jsj;ij fl;bnaOg;Gjy;. Njhopy; fl;likg;ig gyg;gLj;Jjy;> njhopy;El;g ghtid> Gjpa Mh;tyh;fis Cf;Ftpj;jy; Nghd;wit mtjhdpf;fg;gl;l Vida eltbf;iffshFk;. fw;w ghlq;fs; 1. ve;jnthU JiwiapYk; Nghy rpy nghJ Nehf;fq;fspyhd ntt;NtW Mh;tyh;fspd; Kaw;rpfspy; cj;jp ftdk; nrYj;jtJld; kw;wth;fspd; gzpia gu];guk; ghuhl;Lk; nghUl;L ntt;NtW gq;Fjhuh;fspd; Kaw;rpfSf;F cjTtJkhFk;. Kd;Ndw;wj;ij mtjhdpg;gjw;F ,e;jj; Jiwf;Fs; (nghJthf Jiwapd; rq;fk;/tiyaikg;G) gpd;njhluy;/fz;fhzpg;G Kiwikia toq;f Ntz;Lk;. 2. cj;jpia Rw;wpYkhf Kaw;rpfis topelj;Jk; xU “ty;ytiu” itj;jpUf;f mJ cjTfpwJ. xOf;fhw;whsh; xUtUf;F mKyhf;fiy Cf;Ftpf;ff;$ba mjpfhuKk; ,Ug;gjhymj;jifath; ,e;j nghWg;ig Vw;wf; nfhs;tJ crpjkhdJ. Mdhy; ,jw;fhd eilKiw MNyhrid rk;ge;jg;gl;lJ.gq;Fjhuh;fs; Fwpg;ghf Ez;epjpahsh;fs; ,d;dKk; ,j;Jiwf;F rthyhf ,Uf;Fk; mNjNtis Vw;Wf;nfhs;sf;$ba ,yf;Ffis eph;zapf;fTk; cilikia

CUthf;fTk; $bajhf ,Uf;f Ntz;Lk;. 3. ,yf;Ffs; kpff; ftdkhf rpe;jpf;fg;gl Ntz;Lk;. ,e;jj; Jiwf;F jPq;F tpistpf;ff;$ba J}z;Ljy;fis mit Vw;gLj;jyhk;. epiyahd jd;ikia ngwf;$ba mOj;jq;fSldhd tsh;r;rpf;fhd Cf;Ftpg;G Mgj;jhd fld; yoq;fYf;F J}gkpLtNjhL Ez;epjp epWtdq;fs; FWf;F topfspy; ,wq;fyhk;. 4.murhq;fj;jpd; <LghL cjtpahf ,Uf;fyhk;. Mdhy; rpyNtisfspy; murhq;fj;ij rk;ge;jg;gLj;JtJ ,j;Jiwf;F mehtrpa ftdj;ij <h;g;gjhf ,Uf;Fk;. ,e;j tplaj;jpy; tl;b tPjk;> khdpaq;fs;> jhf;fk; Nghd;w tplaq;fspy; Jiw jfJ epiyikia fhg;ghw;w Ntz;Lk;. 5. ajhh;j;jkhd fw;gidfis Nkw;nfhs;s Ntz;Lk;.,yf;ffis eph;zapf;Fk; NghJ Kf;fpa fw;gidfs; ajhh;j;jkhditahf ,Uf;f Ntz;Lk;. Ez;epjpahsh;fsplk; mth;fsJ tpahghu jpl;lq;fs; gw;wp Nfl;gNjhL mth;fis Rw;wpYk; fzpg;Gfis Nkw;nfhs;s Ntz;Lk;. mghd; `f; Ma;T gFg;gha;thsh; ghfp];jhd; Ez;epjp tiyaikg;G

CGAP RUf;fk;: Njrpa Ez;epjp cj;jpfs; (njhFg;Gfs;) Njrpa Ez;epjp cj;jpfs;> twpa kf;fs; epjp ngw;Wf; nfhs;tij Nehf;fhf nfhz;l MNyhrf eilKiwfs; %yk; tpUj;jp nra;ag;gl;lNjhL murhq;f mq;fPfhuk; ngw;w Mtzq;fshFk;. ,e;j cj;jp Mtzq;fspy; Ez;epjp gw;wpa NkNyhl;lkhd Nehf;F> Jiwf;fhd Njhw;wk;> Kf;fpa Fwpf;Nfhs;fs;> mKyhf;fYf;fhd nray; jpl;lk; Mfpad mlq;fpAs;sd. Njrpa Ez;epjp cj;jpia tpUj;j;p nra;jy; toikahf ehd;F fl;lq;fis nfhz;ljhFk;: (1) Ez;epjp; Jiw njhlh;ghd tplaMa;T/,ilntsp gFg;gha;it elj;Jjy;> (ii) gq;Fjhuh;fSld; MNyhrid elj;Jjy; (Vwf;Fiwa tphpthf)> (iii) murhq;fj;jpd; xj;Jiog;Gld; toikahf xU

MNyhrfuhy; xU Mtzj;ij tiujy;> (iv) cs;sikg;gld; xU cj;jpia Vw;W mKy; nra;jy; rpy tplaq;fspy; cj;jpia eilKiwf;;fpl nray; eltbf;iffis tiuaiw nra;jy;. mD$yq;fs; tpUj;jpahd ciuahly;. xU Njrpa Wz;epjp cj;jpAld; ,Uf;Fk; gue;j MNyhrf eilKiw Ez;epjpahsh;fs;> ed;nfhilahsh;fs;> nfhs;if Mf;fhsh;fs; MfpNahh; kj;jpapy; tpUj;jpahd njhlh;ghliy tsh;j;Js;sJ. Jiwapd; tpUj;jpaile;j mwpT. xU Njrpa Ez;epjp cj;jpia tpUj;jp nra;tjw;fhd Kjw; fl;lk;> epjp trjpfis mjpfhpg;gjw;fhd tha;g;Gf;fisAk; gpd;dilTfisAk; Mokhf Ghpe;Jnfhs;s toptFj;Js;sJ.

rpwe;j njhopy; KiwfSf;fhd mh;g;gzpg;G. rpy tplaq;fspy;> Njrpa Ez;epjp cj;jpfs;> murhq;fq;fSk; gjptpYs;s Vida gq;Fjhuh;fSk; rpwe;j njhopy; Kiw Nfhl;ghLfis iff;nfhs;sTk; rPuw;w nfhs;iffis iftplTk; fhuzkhf ,Ue;Js;sd. RUq;ff; $wpd;> rfy nraw;ghl;lhsh;fSk; mDrhpf;fk; tifapyhd tpjpfis epiyepWj;Jtjw;F mit gad;glyhk;. rthy;fs; Kd;dwpit gytPdg;gLj;Jfpd;wd. Jiwapd; Kd;dwpTk; mNefkhf guk;gYk; MoKk; ,y;yhjpUf;fpwJ…… NkYk; gbf;f www.cgap.org/ p/ site/c/template.rc/1.9.4349/ Kfthpf;F tp[ak; nra;aTk

mghd `f; `f Ma;T gFg;gha;thsh “ ,yf;Ffs; kpff; ftdkhf rpe;jpf;fg;gl Ntz;Lk;.Jiwf;F jPqf ; hd J} z;Ljy;fSf;F mit toptFf;fyhk;”


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Sri Lanka Microfinance Forum

,yq;if Ez;epjp kd;wj;jpd; rpq;fs> jkpo nkhopngah;gG ; fis toq;fpaJ:

ePqf ; s; gq;F gw;wyhk;

GTZ PROMIS—Promotion of the Microfinance Sector www.microfinance.lk info@microfinance.lk

cq;fs; fUj;Jf;fs;> nra;jpfs;> fl;Liufs;> mgpg;gpuhaq;fis mDg;gNtz;ba microfinance.forum@gmail.com

,yq;ifapy; Ez;epjpf; nfhs;if xd;Wf;fhd Njit (CONT’D) (Continued from page 4)

tpsk;gujhuh;? njhlh;G microfinance.forum@gmail.com

Sri Lanka Microfinance Forum International Standard Serial Number ISSN 2012-5666

njhlh;G microfinance.forum@gmail.com

,yq; if Ez;epjp FO MNyhrf rig cWg;gpdh;fSf; F mjd; ed;wpia njhptpf;f tpUk;GfpwJ : re;Jy mNgtpf;fpuk rhpj uj; tj; j lhf;lh; lf;kh; Yk; Jyhd; B rpy; th epkhy khl;b D]; ePdh ehah; Nwh]; FNu Rfpyh tpN[th;jd Sri Lanka Microfinance Forum cs;slf;fj; jpw;F MNyhrf rig nghWg;gy;y. MNyhrf rigapd; gq;fspg;G

Mrphpah;fSf;F fUj;Jf;f ; isAk; MNyhridfisAk toq;FtjhFk .

tq;fpapdhy; epUtfpf;lfg;gLk; ,RW jpl;lKk>; Ez;epjpfs; ,e;jj; jpl;lj;jpy; fye;J nfhs;Sk; jifikia mtw;Wf;F nfhLf;Fk; tifapy; Nrkpg;ig fl;bnaOg;Gjiy Mjhpj;J mjid typAWj;jpAs;sd. ,NjNtis> kj;jpa tq;fpapdhy; mq;ff P hpf;fg;gl;l epjp epWtdq;fs; kl;LNk gz itg;Gf;fis Vw;Wf; nfhs;syhk; vd;W kj;jpa tq;fpapd; tq;fpay;yhjtw;iw Nkw;gghh;it nra;Ak; gphpT mjpfhuG+ht ; khf mwptpj;jpUe;jJ. ,e;j mwptj;jy; mur rhh;gw;w epWtdq;fisNah Ez;epjp epWtdq;fisNah cs;slf;ftpyi ; y vd;gJ njspthfpwJ. ,jid mLj;J mth;fs; ,j;jifa epWtdq;fs; Vw;Wf; nfhz;l Nrkpg;G itg;Gf;fis jpUk;g nfhLj;J tpLkhW mtw;iw fl;lhag;gLj;jpdhh;fs;. twpa kf;fSf;F fldpYk; ghh;f;f $Ljy;

Kf;fpaj;Jtk; tha;ej ; Nrkpg;ig mth;fsplkpUe;J ,j;Jiwfs; Vw;Wf; nfhs;Skhdhy; Nrkpg;ig fl;bnaOg;Gtjw;fhd nfhs;if xd;W mtrpakhFk;. Ez;epjp epWtdq;fs; Nrkpg;ig ngw;Wf; nfhs;s KbahjpUg;gJk; mtw;Wf;fhd Kf;fpa %yjd tsk; xd;iw ,of;fr; nra;tjhf ,Uf;fpwJ. 2.tl;b tPjq;fs; murhq;fk; Ez;epjp Jiwia ghuJ}ukhf ghjpg;gilar; nra;Ak; kw;WnkhU Kf;fpa mk;rk;> tl;b tPjq;fs; njhlh;ghf gpuNahfpff ; g;gLk; mOj;jq;fshFk;. twpath;fSf;F fld; toq;Ftjpy; rhj;jpakhd msTf;F Mff; Foiwe;j tl;b tpfpjj;jpy; toq;f Ntz;Lnkd;gJ kpf Kf;fpakhdJ vd;W murpay;thjpfSk; gy rpNu\;l mjpfhhpfSk; jplkhf ek;Gfpwhh;fs;. gy tUlq;fshf> murhq;fj;jpd; mOj;jk; fhuzkhf rKh;j;jp fld;fSf;fhd tUlhe;j tl;b tPjk; 24 rjtPjj;jpypUe;J 14

rjtPjkhf Fiwf;fg;gl;Ls;sJ.Njrpa mgptpUj;jp ek;gpf;if epjpaKk; tl;b tPjj;ij Fiwe;j kl;lj;jpy; itj;jpUf;FkhW mjd; gq;fhsp epWtdq;fsplk; typAWj;jpAs;sJ. tq;fpfs; nry;te;jh;fSf;Fk; Ez;epjp epWtdq;fs; twpath;fSf;Fk; vd;gjhy; Ez;epjp epWtdq;fspd; tl;b tPjk; tq;fp tl;b tPjj;jpYk; ghh;f;f Fiwthf ,Uf;f Ntz;Lnkd murpay;thjpfSk; mjpfhhpfSk; ek;Gfpwhh;fs;! Ez;epjp epWtdq;fs; rk tl;b tPjj;ij vLg;gjpy;iy my;yJ fsj;jpy; cs;s twpath;fis nrd;wiltjpy; cs;s nrytpdq;fs; Nghd;w fhuzpfs; fxzf;fpy; vLf;fg;gLtjpy;iy. Murhq;fj;jpy; epjpj; Jiwf;F nghWg;ghd mjpfhhpfSf;Fk; Ez;epjpahsh;fSf;FkpilNa eilngw;w Kf;fpakhd Ngr;Rthh;j;ijfis mbg;gilahff; nfhz;L ,j;Jiwia ghjpf;fhj tifapyhd xU tl;b tPj

Ez;epjp njhlh;ghd nfhs;if (CONT’D) (Continued from page 4)

tl;lhukhf Ez;epjpAld; rk;ge;jg;gl;l rl;lq;fspd; jd;ikia mtjhdpg;gJ epahakhdjhf ,Uf;Fk;. GTZ PROMIS r P oject> ,yq;if Ez;epjp nraw;ghl;lhsh;fs; rq;fk; Mfpad Ez;epjpia ghjpf;Fk; Njrpa ghuhSkd;wj;jpd; rl;l epWtdq;fs; 18f;Fk; mjpfkhf cs;sd vd;W njhptpj;Js;sd. ,j;jifa #o;epiyapy;> ,yq;iff;F Ez;epjpf; nfhs;if xd;W Njitah vd;w Nfs;tpia

vOg;GtJ rhj;jpakhdjh? NkNy mizf; fg; gl; l Mtzq; fs; xU nfhs;if ngwg;glf;$ba tl;lhuj;ij njspthf nfhLf;fpwJ. NkYk;> eilKiwapy; ,yq;ifapy; Ez;epjp nray;gLk; #oy; mJNt MFk;. rl;lhPjpahf Nfl;fg;glf;$ba Nfs;tp - rl;l tpjpfspd;gb cz;ikapy; ,e;j gpukhzq;fs; mKy; nra;ag;gLfpd;wdth vd;gjhFk;. gpuKf> Nfhy;bd; fP> rf;tpjp> jz;Ltd; Kjyhap> nlb jz;Ltd; Kjyhsp> Nghd;w

Coy;fis mDgtpj;j xU ehl;by; ,f;Nfs;tpf;F gjpy; “,y;iy” vd;gNj MFk;. nfhs;iffs; KOikahf mKy; nra;ag;gLtjpy;iy vd;w epiyia itj;J ,yFthf xU Ez;epjp nfhs;ifia cUthf;f Ntz;bajpy;iy mJ ed;ikapYk; ghh;f;f jPikiaNa jUk; vd;W rpy fUj;Jiuahsh;fs; $Wfpwhh;fs;. rkahrka kf;fs; fld; vOj;jopg;gth;$l Ez;epjp epWtdq;fSf;F

,yq;if Ez;epjp kd;wj;jpd; fzpdpapy; mr;Rg;gjpT nra;ag;gl;l gpujpfis toq;fpNahh;: nrNdhth ky;hprp];uk; nrhYArd; (gpiwNtl;) ypkpl;. 550/1/3> gioa nfhl;lht tPjp> cj`Ky;y> ENfnfhil> ,yq;if

njhiyNgrp: 0115 649366 Njhiyefy;: 0115 650509

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Sri Lanka Microfinance Forum_Volume 2_Tam  

This is the second issue of “Sri Lanka Microfinance Forum”, a quarterly newsletter which focuses on educating people on best practices, high...

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