Tunlai hian Mizoramah a pung ûma pawisa inpûktir kan ching hle. Sum inpûktirna hi Bank aá¹anga pawisa pûk aiin a pung a á¹hat bakah, dahkham chà n hlauhthawnawm tham khawpa hlu a ni fo a. A pûktu chuan anmahni chhungkaw chen mekna in leh lote an dahkham tlangpui a, a risk a sà n avangin inremna pawh á¹ha taka ziah thlap a ni á¹hin.

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Mak tak maiin, kan ramah, hmanhmawh taka pawisa pûk nghal chuk chuk duh hi kan tam tial tial a. A pung a hlâwk bawk si chuan, ‘anmahni inkarah’ an lo inpûktir leh mai á¹hin a. Inthiam chawp nan “A pûktuin a zùam phawt a hnu, a dik lohna a awm lo!” kan ti mai á¹hin a. A pûktu ai mahin a pûktirtu tan a risk a sang zawk. Chu chu kan sawi dawn a ni.
I pûktir thei thla rawk em ni? Hetianga pawisa inpûktirna hi a dik reng em tih hi i lo chhui chiang teh ang. Pawisa inpûktir hi Bank, Non-Banking Financial Institutuion (NBFI) leh Registered Money Lender te chauhin dan angin an ti thei tih hi hre hmasa phawt ila. Hei bakah hian Non-Banking Financial Institution (NBFI) an awm leh a, heng hi company ang deuha registration nei thlap an ni a, Reserved Bank of India (RBI) in phalna a pek an ni. A pung awmin pawisa an pûktir thei a, loan rulhna bâk chu mipui aá¹angin (bank angin) deposit an la/dawng thei lo thung.
Chutiang ni lo mi mal hausak vang emaw, duhamna vang emaw, a pung ît avang emawa pung awma pawisa pûktir leh, eizawnna atana lo hman ve ngawt hian phalna dan tlawhchhan tur a nei lo.
Kum 2010 khan Mizoram sawrkar chuan The Money Lenders and Accredited Loan Providers (Regulation) Act and Rules, 2010 a siam a. Phalna neia pûktir theitu (Registered Money Lender) ni tur chuan, pawisa pûktirtu chuan sawrkarah inziah fel (registered) kher a ngai a. Chutianga in-register duhte tan chuan, sawrkarin officer pakhat, Registering Authority atana a ruat hnenah ₹ 5,00,000 chawiin Registration a ti thei a, Registration nei tawhte chuan ₹ 2,50,000 chawiin an Registration chu an pawt sei (renew) zel thei bawk a ni.
Chutia ti lo va, mahni duh duha, a pung ûma pawisa lo pûktirtu chu danin a pawmpui loh thil titu a ni. Chutiang dan kalha ‘sumdawnna’ chu mi á¹henkhatin tunlai hian eizawnna atan an hmang a. Chanchinbu leh social media-ah te sum an puktir theih thu langsar takin an tarlang hial a. Dan bawhchhia an nih avangin thubuai siamsak theih an ni tih hria se a á¹ha ang.
Mahse, inpûktir kan tam si a, rulh theih loh vanga court-a inkhing an tam tial tial a. Chutiang thubuaiah chuan a khingtuin an inremna angin a pung nen leiba a á¹hing a, an dahkham bungrua / in leh lote pawh laksak tumin nasa takin a bei á¹hin. Court êm thleng lova bungrua lo inchhuhsak ta te pawh an awm bawk.
Puktirtu leh Court Kan sawi tak angin Bank ni bawk si lo NBFI ni bawksi lo, Registered Money Lender ni bawk si lo ten a pawisa kan inpûktir á¹hin chungchangah hian Court chuan rorel dan tur a nei sa a. Sec-34 Civil Procedure Code, 1908 chuan hetiang mimal leh mimal inpûktirna-ah hian a pung hi 6% per annumn (kum khatah za a paruk) aiin a sáng tur a ni lo, a lo ti kiau si a. Chuvangin, thla khata za-a sawm pung tura kan lo inpûktir á¹hin hi dan bawhchhiatna a lo ni tawh zawk a ni.
Pûktuin an rulh theih loh hian, puktirtu chuan, thla khata 10% pung nena hun tiam chhunga pe lêt leh tura an inremna lehkha á¹anchhanin court-ah an khing á¹hin. Court chuan, sawi tak ang khan, Sec-34 Civil Procedure Code, 1908 tlawhchhanin, 6% aia sanga mi mal sum inpûktirna chu a lo ‘ngaihtuah’ thei si lo va, pûktirtu chu a chan chhe zawk a ni palh thei ta a ni. Hetianga inkhinna thubuai-ah ah hian Court thuremna tam tak a awm tawh a, tarlang tur chuan mi hming te ziah lan a ngaih dawn avangin inkhingte tihhminghliau a hlauhawm a, tarlang ta lo mai ila, a duh tan chuan Court ah en theihin a vum ther thur a ni.
Kan ram a dam lo Dan kalha hlâwk thut tumna thilah chuan inbumna a inrawlh ru deuh vek. Mi tam takin midangte LSC hawha dilin mi dang hnena pawisa pûk nan an hmansak a. LSC neitu hnenah hawh man ang deuhin ₹ 50,000 te an pe a, LSC hawhtu chuan cheng nuai tam tak an pûk ta á¹hin a. An pawisa pûk chu rùl leh duh si lovin, pawisa pûktirtu leh LSC neitute an inbakkaih ta á¹hin bawk a ni. An pi leh pute ro an khawm te, an dam chhunga hah taka an lo thawh chhuah chhun te chu, hetiang ‘inbumna’ avang hian, ui chung chunga an chà n hial a lo á¹ul ta á¹hin a ni.
Khawvel danah pawh dik lo chu Bible-ah phei chuan a khapna thu a lang tam hle. Isua pian hma kum 1600 lam aá¹ang daih tawh khan, Israel fate chuan, Leviticus 25:37-ah te, Nehemia 5:10-ah te, Sam 15:5-ah te a pung awma sum pûktir an lo inkhap tawh a. Sam 1-9:11 ah phei chuan a pung uma sum pûktirtu chu a neih zawng zawng chu laksak vek ni se la; a thawhrim rah chu mikhualten rawksak rawh se tih hial a ni.
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Bank-ah dan anga sum pûk theih reng a nih laiin engah nge chhungkaw tlakran vek hlauhthawn-awm khawp thilah miin pawisa an pûk á¹hin? Natna khirh, cancer, dialysis leh organ transplat a ngaih thut avang te, in leh lo lei tur hmuh thut changte leh, fate zirna avangtein Bank pan hman lova sum mamawh thut changte a awm thei teh meuh mai. Bank-in a phût ang tlin ve theih loh avanga remchang dang dap a á¹ul chang a awm thei bawk. Heng thilah hi chuan sorkar dana roreltute tan pawh mangang á¹anpui dan zawnpui a chakawm a ni.
Mahse, tunlaia sum inpûktirna tam zawk chu bank kaltlanga dan dika sumdawnna bul á¹anna ni lovin, dan kalha hlâwk thut tumna, Chiahpuam leh Khehpuam bakah, a ruka tih ngai, smuggling thil lam deuh vek niin a lang. Hei hian kan ram economy hrisel lohzia leh hlâwkna tur a nih dawn phawt chuan, dan bawhchhiat hreh lo tak hnam kan lo nih takzia a entir a. A lungchhiatthlak tak zet a ni.
Chuvangin, heng thilah hian mi tinte i fimkhur ang u.
~ H.Lalá¹anpuia, Advocate
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