डॉ. बाबासाहेब आंबेडकर मराठवाडा विद्यापीठ, औरंगाबाद आणि - Jetir.Org

© 2020 JETIR February 2020, Volume 7, Issue 2 www.jetir.org (ISSN-2349-5162)

JETIRDK06052 Journal of Emerging Technologies and Innovative Research (JETIR) www.jetir.org 151

jk"Vªh; lsfeukj] fn- 14 Qsczqokjh 2020

M‚- ckcklkgsc vkacsMdj ejkBokMk fo|kihB] v©jaxkckn vkf.k

vkuanjko /käMs mQZ ckckth egkfo|kYk; dMk] rk- vk"Vh

^êfgYkk cpr xVkae/kwu xzkeh.k efgYkkapk d©Vqafcd] vkfFkZd vkf.k

lkekftd fodkl % lanÒZ nsoxkao ¼ja-½**

M‚- dkfYknkl ek:rh Òkaxs] lg;¨xh Ák/;kid] Jh- vklkjketh ÒkaMoYknkj egkfo|kYk;] nsoxkao ¼ja-½]

rk- déM] ft- v©jaxkckn-

çLrkfod %

txkrhYk d¨.kR;kgh ns'kkYkk ^tyn*] fpjaru vkf.k loZlekos'kd fodkl djko;kpk vlsYk rj

ns'kkP;k ldYk mRiknukr fL«k;kaP;k lgÒkx vko';d vkgs- dkj.k vkfFkZd o lkekftd fodklkph QGs

L«khP;k ;¨xnkukf'kok; d/khp iw.kZr% ÁkIr g¨Å 'kdr ukghr- gs 'kkL«kh; lS)kafrd lR; vkgs vkf.k ;k

lR;kph lR;rk ^Lokeh foosdkuankP;k* ^^There is no chance for the welfare of the world unless

conditions of women are improved. It is not possible for a bird to fly only with

one wing.** ;k okD;krwu g¨rs- Eg.ktsp ;k fBdk.kh L«khps vFkZO;oLF¨rhYk o lektkrhYk egÙo Li"V

g¨rs- R;kgh vx¨nj jk"Vªfirk egkRek T;¨frjko QqY¨ ;kauh ns'kkrhYk fL«k;kauk xqYkkekaP;k xqYkkehrwu ckgsj

dk<.;klkBh f'k{k.kkf'kok; nqljs 'kL«k ukgh- Eg.kwu R;kauh 1848 e/;s ;k ns'kkrhYk egkiq:"kkaus ns'kkrhYk

fL«k;kalkBh 'kkGk dk<Ykh rsOgkgh gkp n`f"Vd¨.k le¨j g¨rk- ek«k ÒkjrkrhYk iq:"kÁ/kku lektO;oLFkk

vkf.k iq:"kh vgae] iq:"kkauk vl.kkjs egÙo vkf.k [k¨Vh Áfr"Bk] fir`Á/kku lektO;oLFkk] fL«k;kauk

lektkr fnYŸ¨ dfu"B LFkku ;keqGs ;k ns'k¨rhYk Yk¨dla[;sP;k v/kÊ Yk¨dla[;k misf{kr jkfgYkh vkf.k

vkEgh fodflr ns'kkps LoIu ikgr vkg¨r- gs dnkih 'kD; ukgh th txkrhYk fodflr jk"Vª vkgsr-

R;kaP;kdMs vlYŸkh lkekftd] d©Vqafcd lerk] L«kh&iq:"k lekurk vkEgh Yk{kkr u ?¨rk ;a«klkexzh]

Ò©frd fodkl ikgr jkfgYk¨- Eg.kwu vkEgh fodklkP;k lfei tkÅ 'kdr ukgh- vkf.k gs tsOgk Yk{kkr

vkY¨ rsOgk M‚- ckcklkgsc vkacsMdj ;kauh ekaMYŸ¨ fganw d¨MchYk rqdMs&rqdMs d:u dk;ns dj.;kr

;sÅ YkkxY¨] lokZafx.k fodkl izfdz;siklwu óh gk ?kVd nwj jkg.ks jk"VªkP;k vkfFkZd] lkekftd]

lkaLÑfrd ÁxrhP;k n`f"Vus fgrkps ukgh- R;keqGs fL«k;kauk ns'kkP;k fofo/k fodklkRed ÁfØ;sr lekfo"V

d:u R;kaP;k vFk¨ZRiknukrhYk lgÒkx ok<fo.¨ vR;ko';d vkgs-

Lokra«;¨Ùkj dkYk[kaMkr Òkjrh; lafo/kkukus ;k ns'kkrhYk efgYkkauk ekx.kh u djrkp iq:"kkaP;k

cj¨cjhus leku vf/kdkj fnY;keqGs vkfFkZd o lkekftd {¨«kkr e¨BÓkk Áek.kkr Áxrh dsY;kps fnlwu

;srs- ,dk cktqYkk efgYkkaP;k leFkZukFkZ fofo/k dk;ns göwu mPp inki;±r efgYkk i¨gpY;k vlY;k rjh

lektkP;k /kekZP;k o d©Vqafcd ca/kus ;srkuk fnlwu ;srkr- vls vlY¨ rjh fL«k;kauh N¨VÓkk N¨VÓkk

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m|¨xkr ifr vkf.k eqYkkaP;k vk/kkjkus m|¨fxd {¨«kkr ikmYk BsoY¨ vkgs vkf.k ,d ;'kLoh m|¨ftd

Eg.kwu R;k ns'kkle¨j mH;k jkfgY;k vkgsr- ek«k nqlÚ;k cktqus m|¨ftdk Eg.kwu R;kauk vkfFkZd]

lkekftd] lkaLÑfrd] '©{kf.kd] O;oLFkkidh;] Á'kkldh; vkf.k jktdh; leL;k ÒsMlkor vkgsr- gs

lR; ns[khYk ukdkjrk ;sr ukgh- Eg.ktsp ,dk cktqYkk fodkl g¨r vlrkuk nqlÚ;k cktqYkk leL;k

vMp.kh R;kaP;k ikBhekxs ikBYkkx djrkuk fnlrkr vlk foj¨/kkÒkl vlYkk rjh cpr xVkaP;k

ek/;ekrwu xzkeh.k efgYkkaps Yk?kq m|¨x] cpr R;krhYk vMp.kh ;krwu d©Vqafcd] vkfFkZd vkf.k lkekftd

fodkl ;k vuq"kaxkus ÁLrqr 'k¨/k fuca/kkr ekaM.kh dj.;kps ;¨ftYŸ¨ vkgs-

ÁLrqr v/;;u djr vlrkuk 'k¨/k fuca/kkl 'kkL«kh; cSBd ;koh Eg.kwu la'k¨/kukps dkgh mÌs'k

vkf.k x`ghrÑR;s le¨j Bso.;kr vkYŸkh g¨rh rh iq<hYk Áek.¨ g¨r-

la'k¨/kukps mÌs'k %

1- nsoxko ¼ja-½ xkokrhYk ,dw.k cpr xVkaph ikg.kh dj.¨-

2- cpr xVkaP;k ek/;ekrwu pkYkoY;k tk.kkÚ;k m|¨x O;olk;kpk vH;kl dj.¨-

3- efgYkk cpr xVkrhYk efgYkkaph lkekftd] vkfFkZd vkf.k d©Vqafcd fLFkrh vH;kl.¨-

x`ghrÑR;s %

1- nsoxkao ¼ja-½ ;sF¨ vusd cpr xV vkgsr-

2- cpr xVkaP;k ek/;ekrwu vusd O;olk; m|¨x pkYkoY¨ tkrkr-

3- cpr xV pkYkoY;k tk.kkÚ;k efgykaP;k lkekftd] vkfFkZd vkf.k dkSVqafcd ntkZ] fLFkrh

lq/kkjYŸkh vkgs-

rF; ladYku %

ÁLrqr la'k¨/ku djr vlrkuk ÁkFkfed rF; ladYku lajfpr eqYkk[kr vuqlwphP;k vk/kkjs

dj.;kr vkY¨ vlwu nq¸;e rF; ladYku djrkuk lanÒZ xzaFk] ekfgrh iqfLrdk] fofo/k vgokYk] la'k¨/ku

if«kdk] baVjusV] bR;knÈP;k lkgk¸;kus la'k¨/ku fo"k;klaca/kh vf/kd ekfgrh feGfo.;kr vkYŸkh vkgs-

vkti;±r cprxVkaP;k ek/;ekrwu efgYkkaps lcYkhdj.k] l{kehdj.k ;k vuq"kaxkus vusd vH;kldkauh

vH;kl dsYŸkk vkgs- R;kapkgh lanÒZ Eg.kwu vH;klklkBh mi;¨x dj.;kr vkYŸkk vkgs-

uequk fuoM %

ÁLrqr 'k¨/kfuca/kklkBh nsoxkao ¼ja-½ gs xko lexz Eg.kwu ?¨.;kr vkYŸ¨ vkgs- lnjhYk xkoke/;s

uän.khÑr efgYkk o iq:"k cpr xV vkgsr- loZp cprxV gs m|¨x O;olk; djrkr vls ukgh rj

dkgh cprxVkaP;k ek/;ekrwu N¨Vs&NksVs m|¨x dsY¨ tkrkr fdaok xk;h&EgS'kh ?¨.;klkBh dtsZ ?¨rYkh

fnYkh tkrkr vls cprxVkP;k vH;klklkBh ?¨.;kr vkYŸ¨ vkgsr- lggsrwd i)rhus 10 cpr xV

vH;klklkBh ?¨.;kr vkY¨ vkgs- ;k cpr xVkrhYk pkj cpr xV vls vkgsr dh] R;kauh ,dp O;olk;

d:u mRiknu vkf.k [kpkZph leku Òkxhnkjh dsYŸkh fnlwu ;srs- Eg.kwu efgYkk cpr xVke/kwu xzkeh.k




efgYkkapk d©Vqafcd] vkfFkZd vkf.k lkekftd fodkl % lanÒZ nsoxkao ¼ja-½ vH;kl djko;kpk vlY;kus

nsoxko ¼ja-½ xkokrhYk cpr xVkph fuoM dj.;kr vkYŸkh vkgs-

la'¨k/ku {¨«k %

ÁLrqr 'k¨/k fuca/kklkBh v©jaxkckn ftYákrhYk déM rkYkqD;krhYk nsoxkao ¼ja-½ xkokph fuoM

dj.;kr vkYŸkh vkgs- dkj.k gs xko déM] oStkiwj] vkf.k xaxkiqj ;k rhUgh rkYkqD;kP;k flesoj vkgs-

32 rs 35 fd-eh- varj rhugh rkYkqD;kP;k fBdk.kps vkgs- gs xko lar cfg.kkbZ ;kaps tUexko vkgs- R;k

txrxq: lar rqd¨ckjk; ;kaP;k f'k";k g¨r- ;k xkoke/;s ,d ofj"B egkfo|kYk;] nü ek/;fed o mPp

ek/;fed 'kkGk vkf.k ftYgk ifj"knsP;k nü 'kkGk rlsp baxztth ek/;ekP;k ikp 'kkGkgh vkgsr-

vlk '©{kf.kd okjlk YkkÒYŸ¨ xko gs ftYgk ifj"kn xV vkgs- vls vlY¨ rjh ;k xkokrhYk

xzkeh.k cktw vkgs r'khp vkgs Eg.kwu ;k xkokrhYk fodklklkBh 'kkldh; fofo/k ;¨tuk iSdh cpr xV

pGoGh dk;Zjr vkgs- ijarq Qkj e¨BÓkk Áek.kkr ukgh- ,dw.k p©nk cpr xV dk;Zjr vkgsr iSdh 10

cpr xV efgYkkaps vkf.k 04 cpr xV iq:"kkaps vkgsr- efgYkk cprxVkae/kwu xzkeh.k efgYkkaPkk d©Vqafcd]

vkfFkZd vkf.k lkekftd fodkl % lanÒZ nsoxkao ¼ja-½ vlk ?¨.;kr vkYŸkk vkgs-

Òkjrh; lektkrhYk fL«k;kaP;k lkekftd] vkfFkZd] '©{kf.kd vkf.k jktdh; fLFkrhpk bfrgkl

ikgrk p<mrkj >kYŸ¨ fnlwu ;sr vlY¨ rjh] ekuoh thou i)rhr L«kh gh ,d fo/kkR;kph lo¨ZÙke

fuekZrh vkgs- l`"Vh jpusr fL«k;kapk egÙoiw.kZ lgÒkx vkgs- Eg.kwu fL«k;kaP;k fLFkrho:u R;k ns'kkph

laLÑrh] lH;rk ;kapk vH;kl dj.;kr ;sr¨- vkB ¼8½ ekpZ gk vkarjjk"Vªh; efgYkk fnu Eg.kwu ;quüs

tkfgj dsYkk- R;kYkk toGikl ikp n'kds >kYkh- rsOgkiklwu vkti;±r Òkjrkr L«khoknh pGoGhoj vusd

Òk"k.¨ o ifjlaokn ÁR;sdo"kÊ fuR;usekus laié g¨rkr- rjhgh fL«k;kapk ntkZ o fL«k;kaojhYk

vR;kpkjkfo:) mÒs jkg.kkjkaph derjrk igko;kl feGr vkgs- vkB ekpZ gk fnol vkarjjk"Vªh; efgYkk

fnu Eg.kwu ;quüs tkfgj dsYkk R;kYkk toGikl ikp n'kds >kYkh- rsOgkiklwu vkti;±r Òkjrkr L«khoknh

pGoGhoj vusd Òk"k.¨ o ifjlaokn ÁR;sd o"kÊ g¨r vkgsr- rjgh fL«k;kapk ntkZ o fL«k;kaojhYk

vR;kpkjkaps Áek.k fnolsafnol ok<rp vkgs- gh ns'kkP;k v/k¨xrhdMs tkr vkgs-

cprxV ladYiuspk bfrgkl %

cprxVkP;k lq:okr ckaxYkk ns'kkrhYk Áfl) vFkZrK Ák-M‚- egean ;quql ;kaP;k dYiusrwu

lkdkjYkh vkgs- vkt ckaxYkk ns'kkr xVkYkk xzkeh.k c¡d Eg.kwu v¨G[kY¨ tkrs- rhph v¨G[k txÒj vkgs-

frP;k oSf'k"VÓkiw.kZ fodkl dk;kZeqGs Lo;aj¨txkjkrwu le`)hpk olk ns.kkÚ;k ;k cpr xVkaP;k ek/;ekrwu

Ykk[k¨ ukxfjdkaps fo[kqjYŸ¨ lalkj t¨MY¨ xsY¨- rj x¨j&xjhckaps lalkj uO;kus mÒs dsY¨- QqqYkoY¨]

ok<oY¨ vkf.k fLFkj dsY¨ R;kp cj¨cj efgYkk lcYkhdj.kkP;k fodklkph fn'kk Eg.kwu cprxVkadMs

ikfgY¨ ikfgts- ;k dk;kZph lq:okr ckaxYkk ns'kkrhYk ckaxjk ;k [¨MÓkkr 1976 e/;s >kYkh- ;kP;k

ikBhekxs dYiuk fu;¨tu] ekaM.kh fg R;k ns'kkrhYk Áfl) vFkZrTK M‚- egaen ;q;ql ;kaph g¨rh- 1983




e/;s ckaxYkk ns'kkus [kkl dk;nk d:u ;k ÁdYikps :ikarj c¡dse/;s dsY¨- gh c¡d xjhc dtZnkjkP;k

ekYkdhP;k vkgs- ;k c¡dsps cgqla[; [kkrsnkj ;k cpr xVkps lnL; o O;olk;klkBh v'kk c¡dsdMwu dtZ

?¨.kkÚ;k efgykap vkgsr-

v'kk c¡dkaP;k Òkx ÒkaMoYkkiSdh 94 VDds Òkx ÒkaMoYk gs R;k c¡dsrhYk [kkrsnkj ;kaps vkgs] rj 06

VDds Òkx ÒkaMoYk ckaxYkk ns'k ljdkjps vkgs- v'kk c¡dsdMwu dtZ ?¨.kkÚ;k [kkrsnkjkps dks.krsgh rkj.k

?ksrys tkr ukgh- R;kp cj¨cj lk{khnkjkphgh vko';drkk vlr ukgh- rlsp d¨.kR;kgh [kkrsnkjkYkk

R;kus dtZ ijr QsM u dsY;kus U;k;kYk;kr us.;kph bPNk vlr ukgh- ,Ogkuk vkti;±r ,dgh vls

Ádj.k U;k;kYk;kr xsYŸ¨ ukgh- [kkrsnkjkYkk d¨.kR;kgh dk;ns'khj dkxni«kkoj lgh djkoh Ykkxr ukgh-

;krhYk dtZ ijrQsMhph iw.kZ tckcnkjh lacaf/kr [kkrsnkjkph&dtZnkjkph vlrs o r¨ rh Ákekf.kdi.¨

ikj ikMr vlr¨- vls dtZ ijr QsM djrkuk dkgh vMp.k ;s.kkj ukgh gs laacaf/kr cpr xVkus

igko;kps vlrs- vls vlY¨ rjh la;qä tckcnkjh laca/kh d¨.krkgh nLrk,sot vxj fYk[kki<h dj.;kr

;sr ukgh- gs fo'¨"k vkgs- ÒkjrkrhYk ,dk Ykgku jkT;k ,o<k ckaxYkk ns'k vkgs- R;ke/;s ;k c¡dsP;k

1343'kk[kk vkgsr- R;k 'kk[kkr 13124 deZpkjh vkf.k dtZnkjkaph ,dw.k la[;k 42 Ykk[k vkgs- ,d

deZpkjh 300 rs 350 dtZnkjkps loZ fg'k¨c ikgr¨- ;k c¡dsus vkti;±r 222-09 vCt vlk ckaxYkkns'kkps

pYku ,o<Ókk jdesps dtZ okVi dsY¨ vlwu 201-42 vCt glk ¼ckaYkkns'kkps pYku½ ,o<Ókk jdesps dtZ

okVi dsYŸ¨ vlwu 201-42 vCt Vdkph dtZ ijrQsM olqYk dj.;kr vkYŸkh vkgs-

v'kk ;k xzkeh.k c¡dsus [kkl fÒdkjh eaMGhlkBh O;kt eqä dtkZpk miØe jkcfoYkk- R;ke/;s 8-0

Yk{k Vdk ijrQsM gh >kYŸkh vkgs- fÒdkjh N«kh] ePNjnk.kh ;klkBh dtZ ?¨rkr-

ÒkjrkrhYk cpr xV %

Òkjrkr gh ckaxYkk ns'kkÁek.¨p cprxVkph pGoGhus pkaxYkkp osx ?¨rYkk vkgs- ns'kkP;k

fu;¨tudR;k±uh gh vkfFkZd fodkl ÁfØ;sr foÙkh; lsokaph Òwfedk] j¨txkj] fufeZrh] nkfjæÓk fueZqYku

bR;knh mfÌ"Vs utjsle¨j Bsowu xzkeh.k foÙkh; /k¨j.¨ v¨ljYŸkh vkgsr- ;klkBh foÙkh; laLFkkus tkGs

xzkeh.k Òkxkr ;¨X; i)rhus fuekZ.k dsY¨- fuEu LrjkrhYk tursP;k foÙkh; xjtk iw.kZ dj.;klkBh

xzkeh.k o 'kgjh c¡dk LFkkiu dsY;k vkgsr- nkfjæÓk fuewZYkuklkBh ,dkfRed xzkeah.k fodkl dk;ZØe

¼IRDP½ c¡dkekQZr jkcfo.;kr vkys\ ijarq 1981 i;Zar fcxj la[;kRed dtkZP;k óksrkps opZLo gksrs-

R;kuarj dtkZps izek.k ok<r xsys- o ,dkfRed xzkeh.k fodkl dk;Zdzekyk Qkjls ;'k ÁkIr >kY¨ ukgh-

lkodkjh dtkZps opZLo dk;e jkfgY¨- ;k loZ Áfrxkeh ifjfLFkrh uo&uohu foÙk iqjoBk dj.kkÚ;k

laLFkkph xjt fuekZ.k >kYkh- tkxfrd ikrGhojhYk vu©ipkfjd laLFkph n[kYk ?¨mu cpr xV o

v©ipkfjd foÙkh; laLFkk ;kapk rkGesG ?kkYk.kkjh foÙk fuea«k.k i)rh fodflr dj.;kr vkYkh-

cpr xVkP;k vfLrRoklkBhP;k ,sfrgkfld fu.kZ; 1993 e/;s fj>OgZ c¡dsus ?¨rYkk- ;k fu.kZ;keqGs

cprxV c¡dsr [kkrs m?kMw 'kdrs- R;kpcj¨cj ukckMZus 1992 e/;s 500 Lo;algk¸;rk cpr xVkauk c¡ds'kh




t¨M.;kpk iFkn'kZd ÁdYi lq: dsYkk- rlsp fj>OgZ c¡dsus Lo;algk¸;rk cpr xVkauk foÙkklkBh

ekxZn'kZd rÙos fuf'pr d:u 1996 e/;s Ák/kkU;Øe dtkZP;k {¨«kkr lekfo"V dsYkk- R;keqGs

Lo;lgk¸;rk cpr xVkP;k c¡d laYkXurk la[;sr ok< g¨r xsYkh- 1991 e/;s loZ O;kikjh c¡dkauk vkf.k

1993 e/;s loZ lgdkjh c¡dk o xzkeh.k c¡dkuk cprxV o c¡d t¨M.khr lgÒkxh g¨.;klkBh fj>oZ

c¡dsus ,d ifji«kd dk<Y¨- Òkjr ljdkjP;k ekxhYk rhu pkj vankti«kkdkrwu cpr xVkackcr pkaxY¨

iMlkn meVYŸ¨ fnlrkr- 1998&1999 e/;s dsafæ; vFkZea«;kauh cpr xVkaoj Òj nsowu R;kckcr Yk{;kad

ekaMY¨- 1999&2000 e/;s 9 fefuVs osG fnYkk rj 2000&2001 e/;s 17 fefuVs cprxVkalkBh nsowu ;k

pGoGhus egÙo ok<foY¨- ;ko:u ns'kkP;k fodklkr cprxV egÙo fj>OgZ c¡d dsaæ ljdkj] jkT;

ljdkj ;kauh tk.kwu ?¨rY;kus vkf.k c¡dkuhgh ldkjkRed Òwfedk ?¨rY;kus xzkeh.k Òkxkr cpr xVkph

pGoG osxkus vkiYkh ikGseqGs ?kÍ d:u Yk¨dkauk dqVhj] Yk?kq m|¨xkauk Ásj.kk feGr vkgs-

cpr xV Eg.kts dk; @ ladYiuk %

cpr xVkauk Lo;algk¸;rk lewg xzkeh.k efgYkk cpr xV] '¨tkj xV] lsYQ ,pMhih xzqi] Micro

Finance Institution - MFI ;k ukokus gh v¨G[kY¨ tkrr- vkiY;k vMp.khP;k osGh ijLijkauk cprhrwu

vFkZlgk¸; dj.¨] vkiYkh vkfFkZd fLFkrh lq/kkj.;klkBh Lor%ps cht ÒkaMoYk r;kj dj.¨ ;k

n¤f"Vdükrwu vls xV LFkkiu dsY¨ tkrkr- la?kfVr efgYkkaph 'käh o vkRefo'okl ok<fo.;klkBh

ijLijkaP;k lgdk;kZus r;kj >kYŸ;k xVkYkk Lo;algk¸;rk xV fdaok cpr xV vls lac¨/kY¨ tkrs-

;ke/;s vki.k Lor% cpr djkoh o R;k cprh}kjs dtZ ?¨mu m|¨x O;olk; mÒk:u LokoYkach Ogkos ;k

;k cpr xV LFkkius ekxs egÙokpk gsrw vlr¨- lokZFkkZus lk/kE;Z vl.kkÚ;k lÒklnkauh LosPNsus ,d«k

;sowu lok±fx.k mérhlkBh cufoYŸkk o pkYkfoYŸkk lewg Eg.kts Lo;algk¸;rk xV g¨;- ,dkp okMh]

oLrhrhYk ,dkp lkekftd] vkfFkZd LrjkojhYk lefopkj] leku xjtk vl.kkÚ;k 10 rs 20 efgYkkaP;k

la?kVukl Lo;algk¸;rk cpr xV Eg.krkr- T;k leqgkr 10 rs 20 lÒklnkaph fuoM d:u fu;fer

cprhrrwu ,desdkaP;k xjtk] vMh&vMp.kh l¨Mfo.;klkBh o thoueku mapko.;klkBh dtZ Lo:ikr

vFkZ lgk¸; dsY¨ tkrs- m|¨x/kank mÒkjYkk tkr¨- lokZuqers fu.kZ; ?öwu la?kVu 'käh ok<foYkh tkrs-

ijLij lgdk;Z] lgÒkx] usr`Ro o drZO;] fopkjkaph nsok.k?ök.k lkrR;iw.kZ o Á;Ru'khYk lnL;kaP;k

lewgkr Lo;algk¸;rk xV vls Eg.krkr- dehrd eh 10 o tkLrhr tkLr 20 efgYkk LosPNsus ,df«kr

;smu Lor%P;k mérhdfjrk Bjkfod cprhP;k ek/;ekrwu ,desdkaps Á'u l¨Mfo.;klkBh lkeqfgd Á;Ru

Eg.kts Lo;algk¸;rk cprxV g¨;- Fk¨MD;kr Lor%pk fodkl Ogkok ;k gsrwus 10 fdaok R;kis{kkk vf/kd

efgYkkauh ;smu cpr dj.¨ o xqaro.kwdhP;k leL;k l¨Mfo.;kP;k Ásj.üs dke dj.¨ g¨;-

cpr xVkph dk;Zi)rh %

efgYkk cpr xVkae/;s xzkeh.k ÒkxkrhYk efgYkk Lor%ph BjfoYŸkh cprhph ,d«k d:u xjt

vlYŸk;k efgYkk lÒklnkauk vko';drsÁek.¨ vkfFkZd lgk¸;rk ekx.kh djrkr- rlsp lgk¸;




ns.;kfo"k;h lkewfgd o Yk¨d'kkgh i)rhus fu.kZ; ?¨rY¨ tkrkr- R;keqGs ;sF¨ d¨.kkojgh vU;k; fdaok

esgj[kk.kh dsYkh tkrkr-

1- cpr xVke/;s lÒklnkaph la[;k e;kZfnr vlrs- fdeku 10 o vf/kdkf/kd 20 lÒkln vlrkr-

R;keqGS loZ lÒklnkaP;k ,desdka'kh oS;ähd la?k"kZ jkgr¨-

2- cpr fdrh vlkoh] lÒkln la[;k fdrh vlkoh] dtZ fdrh ?;kos] lsok 'kqYd vkdkjkos bR;knh

fu;e ;k xVkrhYk lÒkln Lor% Bjforkr-

3- efgU;krhYk BjfoYŸ;k fno'kh loZ lÒkln ,d«k ;smu cprhph jDde tek djrkr-

4- cpr xVkrhYk T;k lnL;kauk dtZ vko';d vlrs R;kaps dtZ ekx.kh vtZ ?¨rY¨ tkrkr-

R;ke/;s Ákeq[;kus ?kjxqrh vMp.kh l¨Mfo.;lklkBh fdaok m|¨x O;olk; dj.;klkBh dtZ

ns.;kr ;srs- loZlk/kkj.ki.¨ vlk vuqÒo vkgs dh] xVkP;k dkedktkP;k ifgY;k o"kkZe/;s

?kjxqrh vMp.kh nwj dj.;klanÒkZr dtZ ekx.kh dj.kkjs vtZ vf/kd vlrkr- rj nqlÚ;k o

frlÚ;k o"kkZr mRiknu] m|¨x O;olk; ;klkBh dtZ ekx.khps vtZ vf/kd la[;sus ;srkr-

5- cpr xVkrhYk loZ dkedktkaph uän Bso.;kr ;srs o ÁR;sd lÒklnkYkk iklcqd ns.;kr ;srs-

6- cprxV pkYkfo.kkÚ;k la?kVdkauk o xVkP;k lÒklnkauk xVkP;k dkedktkfo"k;h osGösGh

Áf'k{k.k ns.;kr ;srs- cprxV pkYkfo.kkjs la?kVd okjaokj ÒsVh ppkZ g¨mu ,d nqlÚ;kaP;k

vuqÒokaph nsok.k ?ök.k djrkr-

cpr xVkaph mfÌ"VÓ¨ %

1- xzkeh.k ÒkxkrhYk nqcZYk ?kVdkarhYk efgYkkauk Áo`Ùk dj.¨-

2- ÁR;sd lÒkln efgYkkaps vkfFkZd] lkekftd vkf.k ekufld lcYkhdj.k dj.¨-

3- Lo;algk¸;rk xVkrhYk efgYkkapk d©Vqafcd ntkZ ok<fo.¨

4- vkfFkZdn`"VÓkk nqcZYkkauk lkodkjkaP;k ik'kkrwu eqä dj.¨

5- cpr varxZr efgYkkauk la?kfVRk d:u LovfLrRokph tk.kho d:u ns.¨

6- ÁR;sd lÒkln efgYkkauk dkVdlj o cprhph lo; Ykkowu] usr`Ro xq.k fodflr dj.¨-

7- cpr xVka}kjs ifjljkr lkekftd miØe jkcfo.¨-

8- efgYkkaP;k Kkuke/;s ok< djowu ?¨.¨-

9- cprxVkrhYk Kkuke/;s ok< djowu ?¨.¨-

10- cprxVkrhYk efgYkkau Áf'k{k.k nsowu R;kaP;krhYk m|¨xtxrk xq.k fodflr dj.¨-

11- loZ efgYkkauk c¡fdax O;ogkjkph ekfgrh d:u ns.¨-

12- efgYkkapk xzkeh.k fodklkrhYk lgÒkx ok<fo.¨-

13- iapk;rjkte/khYk lÙ¨r lgÒkxh d:u ?¨.;klkBh fL«k;kauk l{ke cufo.¨-

14- fL«k;kafo"k;h iq:"kkaP;k ekufldrsr cnYk ?kMowu vk.k.¨-




15- cprxVk}kjs foÙkh; laLFkkdMwu irfoLrkj d:u ir'kähe/;s ok< dj.¨-

16- efgYkkauk R;kaP;k gDdkps O;klihB miYkC/k d:u ns.¨-

17- c¡fdax O;oLFŸkk fo'oklw o [kk«khYkk;d xzkgd miYkC/k d:u ns.¨-

18- cprxVkrhYk lÒklnkaps dqVqac] xko] jkT; o ns'kkps mRié ok<owu vkfFkZd fodklkpk Lrj

mapko.¨-

cprxVkaph oSf'k"VÓ¨ %

1- cprxVkaph LFkkiuk lÒklnkaP;k Lo;aLQwrÊus o ekufld r;kjhus dj.;kr vkYŸkh vlrs-

2- cprxVkaph lÒkln la[;k 10 rs 20 i;±r vlkos-

3- lÒklnkaph ekfld cpr 'kD; rso<h o lÒklnkaP;k ,sirhuqlkj ,d leku jDdesr vlrs-

4- cprxVkps fu;e loZlÒkln Lor%p djr vlrkr- rs Ykofpd vlrkr-

5- cprxVke/;s dk;Zokgd Áfrfu/kh loZlaerhus o vkGhikGhus cnYkr vlrkr-

6- cprxVkrhYk fu.kZ; gs lokZuqers ?¨.;kr ;srkr-

7- lÒklnkauk vkfFkZd lgk¸; ¼dtZ½ lgu o vko';drsÁek.¨ feGork ;srs-

8- lÒklnkYkk dtZ nsrkuk R;kps dkj.k fopkkr ?öwu R;koj lokZuqers fu.kZ; fnYkk tkr¨-

9- dtkZps rkj.k] lÒklnkapk fo'okl] cpr o tehunkjkaph 'okl vlrs-

10- cprxVkps dkxnh O;ogkj dehr deh o lïs vlrkr-

11- cpr xVkpk O;ktnj dehr deh BsoYŸkk vlr¨-

12- cpr xVkP;k cSBdhph osG lok±P;k l¨;hÁek.¨ BjYŸkh vlrs-

13- cpr xVkpk eq[; mÌs'k lÒklnkaph vkfFkZd Áxrh vkf.k xzke fodkl vlk vlr¨-

14- cpr xVkrhYk efgYkkae/;s lgÒkx o lgdk;Z vf/kdkf/kd vlrs-

15- vuqÒokaP;k nsok.k&?ök.khoj cprxVkaph iq<hYk dk;kZph fn'kk fuf'rp dsYkh tkrs-

16- cprxVkaP;k lÒklnkauk m|¨xkdMs okVpkYk dj.;klkBh Áo`Ùk dj.;kr ;srs-

17- cprxVkauk 'kkldh; ;a«k.¨r cWdsÁek.¨ vf/kÑr uän.kh dj.;kph xjt ulrs-

18- cpr xVkr /kU; O;ogkjkcj¨cj ekufld O;ogkjgh g¨r¨- tls d©Vqafcd Á'u lkekftd Á'u

;kaph l¨Mo.kwd dj.;kpk Á;Ru dsYkk tkr¨-

cprxV lÒkln %

cpr xVkps lÒkln g¨.;klkBh fdaok djowu ?¨.;klkBh cprxVkps dkghfu;e vkgs- ;kpk

vk<kok iq<hYkÁek.¨ ?¨.;kr vkYŸkk vkgs-

1- cprxVkrhYk loZ lÒkln ,dkp vkfFkZd ifjfLFkrhrYk] ,dkp fBdk.kkrhYk loZ ckcrhr lekurk

vl.kkjs vlkosr-

2- cpr xVkrhYk lÒklnkps o; 18 o"kkZis{kk vf/kd vkf.k rh fookfgr efgYkk vlrkr-




3- lÒklnRo LoPNsus jkfgYk

4- ,dk dqVqackrhYk Qä ,d lÒkln vlsYk-

5- cprhph jDde] fu;fer dtZQsM] lÒsl mifLFkrh bR;knh x¨"Vh lÒklnkaoj c?kr vlrhYk-

6- lkeqfgd ?¨rYŸkk fu.kZ; lÒklnkauk ca/kudkjd vlsYk-

7- lÒklnkr 'kD;r¨ lq:okrhYkkp fnY¨ tkbZYk-

8- tkr] /keZ] oa'k] iaFk] Òk"kk] Ákar vlk d¨.krkgh ÒsnÒko dj.;kr ;s.kkj ukgh-

9- cprxVkrhYk Á'u l¨Mforkuk efgYkk lÒklnkus dqVqackrhYk iq:"kkauk xVkr vk.krk dkek ukgh-

10- lÒklnkus cpr xVkps ladsr] cSBdhps ladsr bR;knhps ikYku d:u vkfFkZd LokoYkach cukos]

lk{kj cukos-

11- cpr xVkrhYk loZ lÒklnkaP;k fopkjkus uohu lÒklnkl Áos'k ns.;kr ;sbZYk- cpr xVkrhYk

,dw.k lÒklnkaph la[;k 20 is{kk vf/kd vl.kkj ukgh- uohu lÒkln ?¨rY;kl cprhps

lq:okrhiklwups g¶rs naMklg Òjkos YkkxrhYk o xV l¨Mwu tk.kkÚ;k lÒklnkl cpr ijr

nsrkuk efgU;kph cpr [kpkZi¨Vh olwYk dj.;kr ;sbZYk-

12- xVkps lÒklnRo nkfjæÓkjs"¨[kkYkhYk dqVqackiSdh vlkos@ nkfjæÓkjs"¨[kkYkh ulYŸ;k O;ählq)k

cprxVkps lÒkln g¨m 'kdrkr-

13- cprxVkps loZ dkedkt Yk¨d'kkgh i)rhus pkYkrs-

14- cprxVkrhYk ÁR;sd lÒklnkus lÒkln g¨rkuk okjlkph use.kwd djkoh- lÒklnkP;k e`R;quarj

f'kYYkd cpr o vkfFkZd lgk¸; ijrQsMhph tckcnkjh okjlkph jkfgYk

cprhph fo"k;h %

1- cprxVkrhYk loZ lnL;kaph leku cpr vlkoh-

2- lÒsP;k osGh vkivkiYkh cprhph jDde vk.kkoh] lgla?kfVdsus nkj¨nkj tkmu cpr x¨Gk d:

u;s-

3- cprxVkus BjfoYŸ;k cprhoj O;kt fnY¨ tk.kkj ukgh-

4- BjYŸ;k jdes O;frfjä vf/kdph jDde tek djrk ;bZYk R;koj lokZuqers O;kt Bjfo.;kr

;sbZYk-

5- cprxVkaP;k cSBdhr vkiYkh cpr u vk.k.kkÚ;k lnL;kYkk naM vkdkj.;kr ;sbZYk-

6- cpr O;ogkj lacaf/krkP;k iklcqdkr oS;fäd [krko.khr uänfoYkk tkok-

7- lnL; iklcqd bPNsuqlkj la?kfVdsdMs jkfgYk-

8- cprh O;frfjä Álaxkuq:i fu/kh tek dj.;kr ;sbZYk-

9- tek dsYŸkh jDde xVkP;k c¡d [kkR;kr tek dj.;kr ;koh

10- tek dsYŸkh jDde xVkP;k c¡d [kkR;kr tek dj.;kr ;koh-




11- tek dsYŸkh jDde xVkarxZr dtZ okViklkBh okijYkh tkbZYk-

12- lÒsr tek >kYŸk cpr nqlÚ;k fno'kh c¡d cpr [kkR;kr tek djkoh-

cprxVkps O;oLFkkiu %

Lo;algk;rk xVkph vaeYkctko.kh o O;oLFkkiu dasaæ] jkT;] ftYgk] rkYkqdk vkf.k xkoikrGhoj

lfeR;k vlrkr- Lo;algk¸;rk xVkP;k ;¨tukaph veaYkctko.kh dj.;klkBh f«kLrjh; ;a«k.kk iq<hYk

Áek.¨ dk;Zjr vlrs-

cpr xV vaeYkklkBhph jpuk

dsafæ;ikrGh jkT;Lrjh; ikrGh ftYgk ikrGh

xzkefodkl efgYkk xzkefodkl efgYkk ckYk lqdk.kw lferh

ea«kkYk; l{kehdj.k lferh ea«kh dY;k.k ea«kh

efgYkk vkfFkZd iapk;r lferh c¡dk Lo;alsoh laLFkk

fodkl egkeaMG

foLrkj vf/kdkjh

jk"Vªh;Ñr ftYgk e/;orÊ

c¡d lg- c¡dk

la?k

lg;¨fxuh @ Ásjd

Lo;algk¸;rk xV

la?kfVdk lgla?kfVdk

mij¨ä jpusÁek.¨ Lo;algk¸;rk @ cprxVkps O;oLFkkiu pkYkrs- ;kr ÁR;sd Lrjkoj

osxosxGÓkk lfeR;k dk;Zjr vkgsr vls fnlwu ;srs-

efgYkkaps lkekftd] vkfFkZd] d©Vqafcd vkf.k ekufld n`"VÓkk lcYkhdj.k vkf.k vkRefuÒZj Ogkos

;k gsrwus Òkjrkr 1992 e/;s ukckMZus lq: dsYŸ;k- cprxV t¨M.kh ;k ÁdYikYkk vkt e¨BÓkk Áek.kkr

Áfrlkn feGwu R;kph O;kIrh e¨BÓkk Áek.kkr ok<YŸkh fnlwu ;srs- vxnh xzkeh.k Òkxki;±r Eg.kts

nsoxko ¼ja½ e/khYk YkkÒkFkÊ cprxVgh vkgsr- ;kek/;ekrwup efgYkk m|¨td] O;kolkf;d] vkfFkZd]

lkekftd] d©Vqafcdn`"VÓkk vkRefuÒZj dj.¨ vkf.k nkfjæÓk fueZYkukps egÙokps lk/ku] ifjorZukps

ek/;e] L«kh laoknkps O;klfiB] efgYkkaP;k vkRelUekukph ikmYkokV] xzkeh.k fodklkpk ekxZ] xjhckaP;k

vk'¨pk fdj.k] Lo;aj¨txkjkpk ekxZ v'kk fofo/k egÙoiw.kZ Òwfedk cprxV ikj ikMhr vkgs- ;k cpr

xVkaP;k ek/;ekrwu efgYkkae/khYk vkRefo'okl ok<wu Lo;a Ásj.kk fuekZ.k göwu vkRefuÒZj g¨r vkgsr-

Eg.kwu tkxfrd ikrGhoj cprxV pGoGhps egÙo ok<YŸ¨ vkgs- cprxVkaekQZr g¨.kkÚ;k lw{e




m|¨xtxrsYkk mi;¨x g¨r¨- nkfjæÓk] csdkjh ;klkj[;k frlÚ;k txkrhYk ÁR;sd ns'kkr vkgsr- ;kYkk

nsoxko ¼ja-½ gh viokn ukgh- ;kgh fBdk.kh nkfjæÓk] fuj{kjrk] csdkjh ;k leL;k vkgsr- xfjch

dqVqackP;k fodklkYkk pkYkuk ns.;klkBh vkiY;k Ykgku&lgku vkfFkZd vMp.kh nwj dj.;klkBh vkiY;k

O;fäxr xq.kkkauk mtkGk ns.;klkBh eqYkk&eqYkÈps f'k{k.k] vkj¨X; ckYketqjkaps mPpkVu R;kaP;kk

Òfo";klkBh nkfjæÓkkps fueZqZYku d:u LokfÒeku o vkRefo'okl ÁkIr dj.;klkBh rlsp efgYkkaP;krgh

LokoYkacukph vkf.k lcYkhdj.kkph {kerk fuekZ.k dj.;klkBh Lo;algk;rk cprxV gh pGoG ;'kLoh

>kYŸkh vkgs-

egkjk"VªkrhYk {¨«kfugk; cprxV %

egkjk"VªkrhYk {¨«kfugk;] ftYgkfugk; cprxVkph la[;kRed Áxrh iq<hYk rDR;ke/;s 1-1

n'kZfo.;kr vkYŸkh vkgs ;ke/;s d¨d.k] ejkBokMk] fonÒZ [kkuns'k vkf.k if'pe egkjk"VªkrhYk

cprxVkaP;k Áxrh vgokYkko:u Li"V g¨r dh] fonÒkZrhYk Áxrhpk okVk vf/kd vkgs-

räk Ø- 1-1

egkjk"VªkrhYk {¨«kfugk; cprxV

{¨«k 2007 2008 2014 2015 2016 okVk

d¨d.k 490 15333 18340 26330 35370 10-43

ejkBokMk 16971 53236 60770 65371 70789 20-88

fonHkZ 37578 134606 140430 160670 170730 50-36

if'pe egkjk"Vª 17930 20730 22370 25770 30370 8-97

[kkuns'k 12780 17370 22730 25630 31730 9-36

,dw.k 90209 241269 264640 303771 338989

Source : SHG Bank Linkage Programme in Maharashtra, Pub by Nabard

egkjk"VªkrhYk ,dw.k ikp foÒkxkaiSdh eqacbZ oxGwu egkjk"VªkrhYk cpr xVkaP;k la[;spk fopkj

dsYkk vlrk d¨d.k foÒkxkr ,dw.k 35370 ¼10-43 VDds½ cprxV vkgsr- ejkBokMÓkke/;s ,dw.k 70789

¼20-88 VDds½ cprxV uän.khÑr vkgsr- fonÒkZr 170730 ¼50-36 VDds½ Eg.ktsp ,dw.k egkjk"VªkrhYk

cprxVkaiSdh v/;kZis{kk vf/kd vkgsr- if'pe egkjk"Vªkr gsp Áek.k 30370 ¼8-92 VDds½ vk<Gwu vkY¨

rj [kkuns'kkr 31730 ¼9-36 VDds½ cprxV u¨na.khÑr vkgsr- cprxVkauh la[;k 2007 P;k rqYkusr

2008 e/;s osxkus ok<Ykh vkf.k 2014 rs 2016 ;k dkGkr Yk{k.kh; ok<Y;kps fnlwu ;srs-

vkrk Á'u vlk vkgs dh] ,o<Ókk e¨BÓkk Áek.kkr uän.kh >kYŸ¨ cpr xV [kjpa dk;Zjr vkgsr

dk;\ vlrhYk rj ;kckcr xVkrhYk efgYkk vkiY¨ m|¨td Eg.kwu ¼Ykgku&e¨Bs½ dk;Z dj.;kr ;'kLoh

>kYŸ;k vkgsr dk;\ R;kaP;k vkfFkZd Áxrh d'kh vkgs- gkp [kÚ;k vFkkZus la'k¨/kukpk fo"k; vkgs- vkrk

vki.kkl ejkBokMk foÒkxkrhYk v©jaxkckn ftYgÓkkrhYk cprxVkaP;k vH;kl vkdMsokjh tk.kwu

?¨rY;kuarjp nsoxko ¼ja½ e/khYk cpr xVkaP;k vH;kl dj.¨ l¨;hps BjsYk-




v©jaxkckn ftYgÓkkrhYk cprxV la[;k %

ejkBokMÓkrhYk ,dw.k vkB ftYgÓkkiSdh v©jaxkckn ftYgk ,dw.kp if'pe egkjk"Vª] [kkuns'k]

fonÒZ bR;knh foÒkxkrhYk vkiY;k flek t¨Mwu vkgsr- v©jaxkckn ftYgÓkkr ,dw.k um rkYkqds vlwu

ÁR;sd rkYkqD;krhYk cprxVkaph la[;k vki.k vH;klklkBh ikg.kkj vkg¨r-

räk Ø- 1-2

v©jaxkckn ftYgÓkkrhYk rkYkqdkokj cprxV

v-Ø- rkYkqdk 2007 2008 2014 2015 2016 okVk

1 vkSjaxkckn 335 1730 2930 3930 5060 25-21%

2 dUuM 275 1210 1720 2332 2632 13-11%

3 oStkiwj 224 930 1088 1466 2066 10-29%

4 xaxkiwj 190 350 508 1159 1959 09-76%

5 iSB.k 130 370 626 824 1029 05-13%

6 QqYkaczh 270 690 887 1188 1572 07-83%

7 flYYk¨M 180 340 633 1133 1633 08-14%

8 l¨;xko 130 450 810 1420 2009 10-00%

9 [kqYkrkckn 180 663 1022 1522 2113 10-53%

,dw.k 1914 6733 10224 14974 20073 100%

Source : SHG Bank Linkage Programme in Maharashtra, Pub by Nabard

mij¨ä räk Ø- 1-2 e/;s n'kZfoY;kÁek.¨ v©jaxkckn ftYgÓkkrhYk v©jaxkckn lg um

rkYkqD;krhYk cprxVkaph vkdMsokjh ikgrk ,dw.k 20073 cprxVkaiSdh v©jaxkckn 'kgjklg rkYkqD;kr

5060 ¼25-21 VDds½ cpr xV dk;Zjr vkgsr- R;kuarj déM rkYkqD;kr 2632 ¼13-11 VDds½ oStkiwj 2066

¼10-29 VDds½ cprxV vlwu xaxkiwj rkYkqD;kr 1+959 ¼9-76 VDds½ cpr xV vkgsr- iSB.k rkYkqD;kr

1029 ¼5-13 VDds½ lokZr ¼07-83VDds½ cprxV dk;Zjr g¨rs- flYYk¨M rkYkqD;kr vkf.k £qYkrkckn

rkYkqD;kr 2113 ¼10-53 VDds½ cpr xV uän.khÑr vkgsr vls ojhYk vkdMsokjho:u fnlwu ;srs-

nsoxkao ¼jaxkjh½ ;sFkhYk cprxVkaps dk;Z %

nsoxkao ¼ja-½ rk- déM gs xko ftYgk ifj"kn xVkps xko vkgs- ;kxkoke/;s ,dw.k 25 cprxV

uän.khÑr vkgsr- R;kiSdh dkghp cprxV [kÚ;k vFkkZus Yk?kq o e/;e m|¨x O;olk; djrkr vls

vk<Gwu vkY¨- lnjhYk 'k¨/kfuca/kklkBh R;kiSdh ngk cpr lggsrwd i)rhus v/;;u lkexzh Eg.kwu

fuoM.;kr vkYŸ¨ vkgsr-

v©jaxkckn ftYgÓkkr ,dkfRed xzkeh.k fodkl dk;ZØe ftYgk xzkeh.k fodkl laLFëkQZr

jkcfo.;kr ;sr¨- 1 ,fÁYk 1994 iklwu dsaæ 'kklukus lkekftd fodklklkBh mRiknd ekYkeÙkk fuekZ.k




dj.;klkBh lqo.kZ t;arh xzke Lo;aj¨txkj ;¨tuk lq: dsYŸkh vkgs- ftYgk xzkeh.k fodkl ;a«k.kk

iapk;r lferh ;kaP;kekQZr ;k ;¨tusph vaeYkctko.kh djrs- xzkeh.k Òkxkrwu nkfjæÓk js"¨[kkYkh dqVqackuk

vFkZlkgÓk nsmu nkfjæÓkjs"¨P;k oj vk.k.¨] csj¨txkjh deh dj.¨ ;k mÌs'kkauh cprxVkaph LFkkiuk dsYkh

tkr vkgs- lqo.kZ t;arh] xzkeLo;aj¨txkj ;¨tukarwu efgYkk cprxV] efgYkkaps la?kVu] efgYkk

Lo;aj¨txkj miYkC/k d:u ns.¨ efgYkkaps lcYkhdj.k dj.¨ ;k n`f"Vus Á;Ru dsY¨ tkrkr- R;kauk vuqnku

fnY¨ tkr vlwu okf"kZd [kpZ vkf.k mRiknu ;kapk fg'k¨cgh ?¨rYkk tkr¨- ;k ek/;ekrwu nsoxko ¼ja-½

e/khYk cprxVkaps dk;Z vkf.k Lo;aj¨txkj ;kapk vk<kok ?¨.;kr ;sbZYk-

räk Ø- 1-3

cprxV vkf.k Lo;aj¨txkj

v-Ø- efgYkk cprxV Lo;aj¨txkj @ O;olk; @ m|¨x

1 jktekrk efgYkk cprxV nq/k ladYku o inkFkZ foØh

2 vfgY;knsoh g¨Gdj efgYkk

cprxV

nq/k ladYku o inkFkZ foØh

3 rkjkbZ efgYkk cprxV nq/k ladYku o inkFkZ foØh

4 lkfo«khckbZ efgYkk cprxV nq/k ladYku o inkFkZ foØh

5 thtkm efgYkk cprxV ikiM@ Yk¨.kps@ fejph dkaMi

6 txnack efgYkk cprxV f'kYkkbZ ef'ku Áf'k{k.k

7 vafcdk efgYkk cprxV lWusVjh uWifduph fufeZrh

8 vk'kk efgYkk cprxV gLrekx@ gLrdYkk fodflr oLrw fufeZrh

o foØh

9 fdj.k efgYkk cprxV lsaæh; [kr fufeZrh o foØh dsaæ

10 jktdeYk efgYkk cprxV dkxnh o dkiMh fi'koh fufeZrh o foØh

nsoxko jaxkjhe/khYk ,dw.k ngk cprxVkaph vH;klklkBh fuoM dj.;kr vkYŸkh g¨rh R;ke/;s

mij¨ä rDR;ke/;s R;kaps vuqØekad cprxVkaps uko vkf.k rs cpr xV djr vlYŸ¨ dke] Lo;aj¨txkj]

m|¨x] O;olk; ;kaps oxÊdj.k dj.;kr vkYŸ¨ vkgs- mij¨ä cpr xVke/;s ,dw.k 110 efgYkkapk

lekos'k vkgs- R;kauh Lor%pk j¨txkj rj fuekZ.k dsYkkp i.k brjkaukgh j¨txkj feGowu fnYŸkk fnlwu

;sr¨-

mij¨ä räk Ø- 1-3 e/khYk cpr xV vuqØekad ,d rs pkj ;krhYk 44 efgYkkauh ;k ifjljkr

e¨Bh Økarh dsYŸkh fnlwu ;srs- lq#okrhYk ;kauh nqÒrh tukojs ?¨rYkh vkf.k etwjh dj.;kis{kk R;koj

vkiYkh o dqVqackph xjt Òkxow YkkxY;k ek«k iq<s lok±uh ,df«kr ;sowu lg;¨xhuh nq/kMsvjh pkYkw dsYkh




vkf.k nq/kfoØh d# YkkxY;k o mjYŸ;k nq/kkps fofo/k oLrq fpt r;kj d#u foØhpk O;olk; vkjaÒYkk-

iq<s R;kapk O;olk; ok<r xsYkk vkf.k nq/k deh iMw YkkxY¨- rsOgk nq/k [kjsnh d#u rh iq.kZ d# YkkxY;k-

vkt R;kaP;kdMs toGikl 7 etwj iq.kZosG o 10 etwj v/kZosG dk;Zjr vkgsr- ;ko:u vkiY;k

j¨txkjkaph fpark feVowu brjkauk j¨txkj miYkC/k d#u nsow 'kdr¨- r¨ cpr xV g¨;-

vuqØekad 5 pk fttkÅ cpr xV ;k cpr xVkaP;k ek/;ekrwu loZ lnL; ¼vdjk½ ,dkp

fBdk.kh elkYkk] Yk¨.kps] ikiM] fejph dkaMi;a«k] 'ö;k cufo.¨ bR;knh dk;Z djr vlrkr- rj R;kaps

ekdsZfVax dj.;klkBh nü eqYka dkeklkBh etwjhus YkkoYŸ¨ vkgsr- R;kapk ekYk ,dk xkMhP;k ek/;ekus

R;k Lor% nqdkuki;±r B¨d o fdjd¨G nÜgh Ádkjs foØh djrkr vls vk<Gwu vkY¨- vuqØekad lgkpk

cpr xV txnack efgYkk cpr xV gk vdjk efgYkkapk vlwu ;k xVkP;k ek/;ekrwu f'kYkkbZ ef'ku

Áf'k{k.k dsaæ o f'ko.kdke dj.;kr ;srs- R;ke/kwu R;kauh Lo;aj¨txkj fuekZ.k dsYŸkk vkgs-

vuqØekad lkrpk vafcdk efgYkk cpr xVkP;k ek/;ekrwu efgYkk vkf.k eqYkÈlkBh vko';d o

vkj¨X;klkBh vko';d vlYŸ;k lWusVjh uWifduph fufeZrh dj.;kpk O;olk; dsYkk tkr¨- R;keqGs

tutkx`rh o foØh gh dj.;kr ;srs- vuqØekad vkBok vk'kk efgYkk cpr xV- ;k xVkrhYk vdjk

efgYkkauh gLrekx] gLrdYkk] ukVÓkf'kYi] Yk¨djh oLrwph fufeZrh o foØh djrkuk vk<Gwu vkY;k-

R;kojp vkiYkk O;olk; ?kj lkaÒkGrkr- vls vk<Gwu vkY¨- vuqØekad uÅ fdj.k efgYkk cpr xV ;k

xVkrhYk efgYkk 'äæh; [kr fufeZrh o foØh dsaæ pkYkforkr- ;k xVkrhYk efgYkk vYiÒw/kkjd vlwu

R;kauh ,dhP;k '¨rkr gk ÁdYi pkYkw dsYŸkk vlwu R;kl pkaxYkk Áfrlkn feGr vkgs- R;klkBh ,d

nü o"¨Z uk uQk uk r¨Vk ;k rÙokoj dke djkoY¨ YkkxY¨- vlsgh ;k xVkrhYk efgYkkauh er O;ä dsY¨-

vuqØekad ngkpk jktdeYk efgYkk cpr xV i;kZoj.k iqjd O;olk; djrkr- R;ke/;s dkxnh o

dkiMkP;k fi'kO;kaph fufeZrh d#u B¨d o fdjd¨G foØh djrkr vls vk<Gwu vkY¨- vkiYkk j¨txkj

fuekZ./k djr vkiYkk O;olk; vkf.k ?kj ;¨X; Ádkjs djrkuk vk<Gwu vkY¨-

lkjka'k :ikus vls Eg.krk ;sbZYk dh] ckaXYkkns'kke/;s pkYkw >kYŸkh efgYkk cpxVkph pGoG

nsoxko jaxkjh i;±r i¨gpwu xkokrhYk vYiÒw/kkjd] Òwfefgu etqjh djr vlYŸ;k efgYkk vkt Lo;aiw.k Z

o Yk?kq m|¨td] oLrwaph fuekZrh cuYkk vkgs- vlsp Eg.krk ;sbZYk- ;kpk xq# ea«k Eg.kts efgYkk cprxV-

R;kauk fnY¨ xsY¨ tkr vlYŸ¨ dsaæ ljdkj o jkT; ljdkj ;kaP;kdMwu vuqnku ;keqGsp loZ dkgh 'kD;

vkgs- ijarq efgYkkaph bPNk'kähgh frrdhp egÙoiw.kZ vkgs-

lanÒZ xzaFk %

1- ik.Ms; vuqjk/kk] ¼2010½ êfgYkk l'kähdj.k*] bf'kdk ifCYkf'kax gkÅl] t;iwj

2- nklxqIrk Ykh- vkf.k brj] ¼2007½ êfgYkkaps lcYkhdj.k] nkfjæ~; fueqZYku o Lo;algk¸;rk xV*] ;-

p- egkjk"Vª eqä fo|kihB] ukf'kd]

3- xtÒjs ,l- ch- ¼2007½ ^jk"Vª fodklklkBh óh lcYkhdj.k*] ;¨tuk




4- c¨«¨ ih- vkj- o brj ¼2005½] Ô;kolkf;d m|¨tdrk*] vFkoZ Ádk'ku] iq.¨]

5- iokj lkfjdk ¼2011½ îfjorZukP;k ikÅYkokVk*] m|¨td ekfld] egkjk"Vª m|¨tdrk dssaæ

Ádk'ku] v©jaxkckn-

6- c¨/kudj lq/khj ¼1999½ ^lkekftd la'k¨/ku i)rh*] Jh- lkbZukFk Ádk'ku ukxiwj

7- ikVhYk ok- Òk- ¼2010½] ^la'k¨/ku i)rh*] Á'kkar ifCYkds'ku] tGxkko

8- ftYgk xzkeh.k fodkl ;a«k.kk v©jaxkckn vgokYk

9- www. Nabard Report

10- www. maahila selfhelp Group


डॉ. बाबासाहेब आंबेडकर मराठवाडा विद्यापीठ, औरंगाबाद आणि - Jetir.Org

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