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Micro Finance Operation Manual

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Micro Finance Operation Manual fС LÚ L b e •cn pj¡•Sl c¢lâ Se•N¡¢ù pq ¢h¢iæ Ù¹•ll Se j¡e¤•ol j•dÉ pja¡ A¡e¡u•el m•rÉ H ¢e•u¡¢Sa HL¢V ®üµR¡•ph£ pwNWez Eæue LjÑp§Q£ ®L£nm Na ¢cL ¢e­u fСuC ¢haLÈ J ja­ic ®cM¡ k¡uz pwØסl E­ŸnÇ A¢iæ q­mJ LjÑp§Q£ h¡Ù¹h¡ue fÜ¢al j•dÉ ¢iæa¡ b¡L¡ M¤hC ü¡i¡¢hLz H•cn ®Lu¡l Hl p¡•b hýj§M£ Eæue LjÑp§Q£l f¢lLÒfe¡l ¢ho•u A¡•m¡Qe¡L¡•m LjÑp§Q£ h¡Ù¹h¡u•el m•rÉ h¡Ù¹h¡ue pq¡¢uL¡l fÊ•u¡Se£ua¡ Ae¤ih L•lz a¡lC gmnЦ¢a•a HC ¢e•cÑ¢nL¡l p§Qe¡z HC pq¡¢uL¡l Ae¤pleC ®L¡e LjÑp§Q£l pgm h¡Ù¹h¡u•el ®no Lb¡ euz fЕu¡S•el ¢e¢l•M Eæue LjÑ£l Eá¡he£ rja¡, pÇf•cl ®k¡N¡e, p£j¡hÜa¡ CaÉ¡¢c ¢h•hQe¡u ®l­M Q¤s¡¿¹ ¢pÊ¡¿¹ œ²­j h¡Ø¹h¡u­el ®r­œ e¤ae ®L£nm hÇhq¡l AhnÇC NËqe•k¡NÉ h•m ¢h•h¢Qa q•hz H•cn A¡n¡ J ¢hnÄ¡p L­l LjÈp¤Q£ h¡Ø¹h¡u­el ®r­œ pLm ع­ll Lj£È­cl SeÇ HC jÉ¡e¤u¡m¢V ¢h•no i¡•h p¡q¡kÉ Ll•hz f¢l­n­o k¡l¡ HC jÇ¡e¤u¡m¢V fÐع¤a Ll¡l ®r­œ ALÓ¡¿¹ f¢lnÐj L­l­Re, ja¡ja fÐc¡e L•l•Re a¡•cl ph¡C•L ¢el¿¹l deÉh¡c S¡e¡Cz p¤hÐa ®c f¢lQ¡mL, H•cn cm NWe J hÉhÙÛ¡fe¡ pwœ²¡¿¹ x i§¢jL¡ x ADESH H•p¡¢p•une Ag ®X•imf•j¾V gl C•L¡e¢jL Hä ®p¡nÉ¡m ®qmf “H•cn ” pj¡•Sl c¤xØ×, Nl£h J i¤¢jq£e Se­N¡ù£l j­dÇ e¡l£ f¤l¦o pja¡l ¢i¢š­a LjÈpwØס­el j¡dÇ­j a¡•cl A¡bÑ p¡j¡¢SL AhÙÛ¡l Eæu•el m•rÉ L¡S L•l b¡•Lz pwÙÛ¡l k¡ha£u LjÑL¡ä f¢lQ¡¢ma qu cm­L ®L¾cÐ L­lz ®L¡e ¢h­no h¡ ¢h¢µRæ hÇ¢š²­L ¢e­u euz AaHh pwÙÛ¡l Eæue LjÑL¡•ä j§m•L¾cТh¾c¤C q•µR cmz cm ¢L x cm Hje HL hÇ¢š² pj¢ø h¡ Sepj¢ø k¡l A¡Ja¡i¤š² hÇ¢š²hNÈ ®L¡e ¢h­no E­ŸnÇ p¡d­el a¡¢N­c ¢LR¤ p¤¢e¢cø ¢euj L¡e¤­el ¢i¢š­a pwN¢Wa h¡ pwOhÊ quz A¡•l¡ f¢lú¡l i¡•h hm¡ k¡u cm Hje HL¢V p¡j¡¢SL pwNWe ®kM¡•e fСu pj•nÐZ£i¤š² Hhw HLC p¡j¡¢SL jk¡Èc¡ pÆfæ L¢afu hÇ¢š² p¤¢e¢cø E­ŸnÇ p¡d­el SeÇ p¤nª´Mm ¢LR¤ ¢euj L¡e¤­el ¢i¢š­a HL¢Ha qu h¡ f¡lØf¢lL hå­e A¡hÜ quz cm Hje HL¢V p¡j¡¢SL pwNWe k¡l RHR¡u¡u pwN¢Wa hÇ¢š² pj¢ù f¡lØf¢lL ¢œ²u¡, ¢eiÈln£ma¡, pqj¢Èja¡, Hhw f¡lØf¢lL pÆfLÈ pª¢øl p¤•k¡N f¡uz cm pj¡•Sl Hje ¢LR¤ r¤â HLL k¡ hÇ¢š²­L pj¡­Sl fТa c¡¢uaÅn£m q­a ¢nM¡u Hhw ®kM¡e ®b•L pwN¢Wa Sepj¢ù pj¡•Sl ¢h¢iæ A¢euj J AeÉ¡•ul ¢hl¦•Ü p¢Çj¢mai¡•h fТah¡c Ll¡l p¤­k¡N f¡u Hhw p¡j¡¢SL J Abȯe¢aL j¤¢š²l fb M¤­yS f¡uz c•ml Ef¡c¡e x Ef­l¡š² A¡­m¡Qe¡u cm pÆf­LÈ ¢e­jÀ¡š² Ef¡c¡e …­m¡ mrÇ Ll¡ k¡u - 1. 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