Thursday, April 16, 2009

Thalaite tana beiseina thar siamtu Education Loan

¢ Vanlalremruata Tonson

"Commercialisation of education" chu India ram hmangaihtute tawngkam hman lar pakhat a ni a, duh lo emaw tha ti lo emaw pawh ni se tih theih an nei vak lo. Chu tho chu a ni Mizoramah pawh nu leh pa tam tak lu tihaitu chu.

Zirna avanga hna tha thawh a nih ngawt loh chuan mi ruala khawsak venna tur a awm lo tih chu nu leh pa tam berte ngaihdan a ni a, mahse, zirna tha leh hlawhtlinpui tur hmu pha tur sum a ngai tih chu an ngaihdan nghet tak a ni. Sum harsatna avanga zirna tha hmu pha lo tana kawng awmchhun chu sum puk hi a ni a, hei hi tun hnaia Mizoram zirlai thenkhatin an hriat pawh tan chu a ni. Tun hnaia Aizawl bank rawn awm tharte avangin zirlai thenkhat chuan ram pawn thlengin lehkha an zir theih phah bawk.

Hna tha hmuh awlsamna doctor leh engineer zir tur chuan fee ringawt pawh thil hautak tham a ni a, zirnain a kaihhnawih thil chi hrang hranga senso turte nen phei chuan mi nazawng tan tum chhin chi pawh a ni lo. Sorkar stipend lah tangkai hle mah se mamawh phuhru vek zo a ni si lo. Tun hma angin BA emaw MA emaw pass hian hna thawh tur tha tak a awm mai tawh bawk si lo. Chutih laiin sorkar lah chuan zirnaah hian a inrawlh tlem poh leh zirna in chu a tha tih ngaihdan a pawm a; zirna peng chi thar a lo chhuak a, tun hmaa mi chunga lengte chauhin an zir tura kan ngaih chu zir ve theih a ni tih kan hre chho ta a ni. Mahse, Mizoram chu sorkar hnathawk hlawha innghat kan ni e, tia sawi a ni thin bawk a, fee sang tak tak chawi a, hmun changkang leh awmna man ringawt pawh hautak thama lehkha zir tura intirh ngawt chu thil harsa tak a lo ni a. Zirlai thenkhat chuan an zir chhunga nu leh pa leh chhungte tih buai loh an lo duh bawk.

Sum leh pai avanga zirna kawnga harsatna thleng thin sutkian nan India sorkar chuan ruahmanna thar a siam a, chu chu education loan tia sawi thin hi a ni. Ruahmanna tihhlawhtlin a nih theihna turin Indian Bank Association chuan 2001 khan Model Loan Scheme a siam a, chu chu tihhlawhtling turin RBI chuan bank-ho chu a hriattir zui nghe nghe.

Hemi hnuah hian education loan chu hlawhtling zawka pek a nih theihna turin Indian Bank Association chuan Working Group of General Managers chuan model scheme thar an duang chhuak leh ta a ni.

Model scheme thar hi bank te chuan zirlai leh an nu leh pate nena remchang zawk turah chuan tidanglam thei turah ngaih a ni.

"No deserving student is denied an opportunity to pursue higher education for want of financial support," tiin Indian Bank Association chuan education loan chungchang hi an sawi.

India ramah chauh ni lo, ram pawna zirna tur pawhin loan hi lak theih a ni a, technical leh professional course chauh ni lovin graduation leh post graduation leh computer certificate course rin tlak zir nan lak theih niin sorkar enkawl chauh ni lo private enkawla zirna in hmingtha zirna tur pawhin lak theih a ni bawk.

Zir tur tha hria, sum leh paia harsatna nei tan chuan loan pe thei bank dawr chi a ni tiin sawi ila a chiang ber ang. Indian Bank Association chuan kaihhruaina a siamin a huam lohah pawh hian bank-in loan pekna tlakah an ngai a nih chuan a pe thei tho ang, a ti a ni.

Indian Bank Association-in kaihhruaina a siamah chuan full time-a zir tur ni lo pawh a course-a zirin loan hi lak theih a ni a, fee pek ngai zawng zawng, lehkhabu, hmanrua leh uniform leina tur, course zawhna tura thil tul tih nana sen ngai, ram pawna zir tur tan chuan kal man turte thlengin education loan hi lak theih a ni. Zirlai loan latu insurance premium tur pawh loan-a lak theih a ni bawk.

Education loan kaihhruaina, Indian Bank Associoation-in a siamah chuan India ramchhunga zirna tur hian cheng nuai 10 thlengin loan lak theih a ni a, ram pawna zirna tur chuan cheng nuai 20 thlenga lak theih a ni.

Cheng nuai li hnuai lamah chuan loan latuin bank-a margin a dah thin angin a ngai lo. Hetih rual hian margin, security leh loan pek theih dante chu bank hian a lo her danglam thei ang, tih a ni.

A rulh leh chungchangah chuan loan latuin a zirlai a zawh atanga kum khat emaw hna a hmuh atanga thla ruk, a hmasa zawk zawk a ni ang, tih a ni.

Aizawla bank lut tharte hi zirlaite'n an chhawr tia kan sawi avang hian bank hlun tawhho chuan education loan hi an pechhuak lo tihna a ni lo. Vijaya Bank chuan loan pekna tlak nia an ngaih course-ah chuan education loan hi engemaw zat an lo pechhuak tawh a, rampawna zirna tur pawhin loan hi an lo pe tawh a ni.

"A rawn dil zawng zawng chu kan pe lo, an rawn rulh lehna turte kan ngaihtuah a, an awmna hi a hla lutukte a nih chuan kan pe lo," tiin Vijaya Bank officer pakhat chuan a pek dan turah hian tehna hrang hrang an nei a, chutianga pek theih nia an hriatte chuan pe mai niin a sawi.

Cheng nuai 10 thlenga pekte pawh an nei niin a sawi bawk. Mahse, loan hi official fee atan chauh an pe a, zirlai hnenah pawisa pe lovin zirna inah an va thawn mai thin niin a sawi.

Loan diltu thenkhat an pek loh chu anni pek duh loh pawh ni lovin an hmunpui lama an zuk thawnthlak hnua chhanna an hmuh loh avanga pe lo an nih thu officer chuan a sawi bawk.

Chutih rual chuan loan rul tha lo an tam avangin kum kal ta chhung khan loan hi an pek tlem phah niin a sawi bawk.

"Kan pute hian a recovery lamah min nawr nasa zawk a, loan hrim hrim hi kan pe chhuak tlem," tiin officer chuan nuai 1000 chuan loan chhia an nei a, education loan pakhat pawh chung zingah chuan a tel tih a sawi a ni.

"A institution lam ni lovin a puktu hi a lo tha lo a ni," tiin education loan an pek pakhat chu non-performing asset (NPA)-ah a chang niin a sawi bawk.

He loan latu hian MBA zir nan loan hi a la niin a sawi. Officer chuan education loan laa rul duh ta lo hi a hming a sawi lo a, mahse, "An chhungkua hian loan rulh loh an ngah hrim hrim," a ti thung.

Loan latu pakhat erawh chuan America-ah hna a hmu nghal a, a loan pawh a rul tan niin a sawi bawk.

Nikum lawka Aizawla rawn inbun thar Central Bank of India chuan education loan hi cheng nuai 15 an pechhuak tawh a, pekchhuah leh mai tur cheng nuai 15 an nei bawk.

Education loan an pekchhuah tawh 12 zinga 11 chuan air hostess zir nan an la a, pakhat chuan computer course zirna atan a la a ni.

Air hostess zirna tura loan dil pakhat chu guarantor a neih loh avangin an pe thei lo a, diltu dang zawng chu an pe niin CBI, Aizawl branch manager Ambition Seram chuan a sawi.

Loan hi cheng nuai li hnuai lam a nih chuan awlsam takin an pe thei mai a, a aia sang a nih erawh chuan thuneitu sang zawkah an thawn thin nia sawiin bank manager chuan loan an pek dan hi zirlaiah a innghat thui hle niin a sawi.

Zirlai hi lehkha thiamthei tak, mark pawh hmu tha tak leh a zir zawh hnuah pawh hna hmu nghal tura ngaih a nih chuan security hi an phut hran lo a, mahse, thiamthei vak lo, hna a hmu ang nge hmu lo ang tih pawh chiang vak lo a nih erawh chu security hi an phut niin a sawi thung.

CBI-in education loan pek an tum mek pakhat chu Swin Burne, Australia-a Master of Accounting zir tur a ni a, he thu ziaktuin CBI a tlawh lai hian loan lak tumtu u chuan branch manager a lo dawr mek nghe nghe. "Ani hian engkimah min buaipui a, min tlan kual sak zak zak a ni," tiin lawm hmel takin a sawi.

Aizawl tana bank thar Bank of Baroda pawh chuan education loan hi mi pahnih hnenah an pe tawh a, pahnih dang pek turin an buaipui leh mek. Pahnih chu cheng nuai li hnuai lam a nih avangin an pe mai thei a, a aia tam chu phai lamah an thawn thla niin he bank officer pakhat chuan a sawi.

Loan diltute hian engineering leh MBA zir nan an dil niin a sawi.

"Kan theih ang tawka mipuite puih hi kan duh a, chuvangin pek theih a nih chuan kan pe nghal mai a, kan thuneihna bakah chuan thuneitu sang zawkah kan thawn thin," tiin bank officer chuan a sawi a ni.

Punjab National Bank hi Aizawla nationalised bank zingah chuan a thar ber a ni awm e. He bank pawh hian education loan diltu mi pangate chu an pe vek; loan latu zinga pakhat chuan BE a zir a, midang palite erawh chuan Singaporee-ah hotel management an zir niin he bank manager chuan a sawi.

Cheng nuai li hnuai lamah chuan sorkar hnathawk guarantor a awm hian loan hi an pe mai thei a, a aia sang a nih erawh chuan an loan lak hu dahkham an phut niin manager chuan a sawi.

Bank lian ber State Bank of India hian education loan chu a pechhuak ngei a, mahse, he thuziaktuin Regional Office a tlawh laia official lian awmte chuan loan an pekchhuah zat hi confidential nia sawiin an hotupa ber AGM a awm loh chuan an sawichhuak thei lo niin an sawi.

Mipui tel lo pawha sorkar sum ringawt pawh buaipui tham fe khawih tur nei reng bank hi education loan-ah pawh sawisel hlawh ber a ni leh pek! Tun hnaia ram pawn lama professional course zir tura kal tum thenkhat chuan he bank-in an loan dil a pek mai loh avangin an tang mek niin an sawi.

Loan diltu pakhat chuan: "Medical Council of India-in kan zirna tur a pawmna lehkha rawn la turin min ti a, kan la a, min la pe ta chuang lo a, kan kal tak tak dawn nge kal leh thei dawn lo pawh ka hre lo ve," tiin mangang takin a sawi a ni.

Ram pawna kal tur zirlai buaipui thin pakhat chuan: "A institution hi a rin tlak a nih chuan education loan hi pek hreh viauna chhan tur a awm lo…," tia sawiin, "Sorkarin nasa takin an dawr a, sorkar sumin an rawn sumdawng a, education loan chu a ngai pawimawh ve tur a ni. Education loan lehzel an ngai pawimawh loh a nih chuan sorkar pawh hian, thalaite hmakhua a ngai a nih chuan hma a la tur a ni ang," tiin sorkar laka phut nei deuh ranin a sawi.

"Congress phei chuan ram chhung leh pawna zirlai a tam thei ang ber thawnchhuahte hi an hmalakna tur nia an sawi a ni a," a ti bawk.

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