ශ්‍රී ලංකාවේ ක්ෂුද්‍ර මුල්‍ය ණය අර්බුදයේ කතා වස්තුව | Consequences of the micro-credit loan trap
ฝัง
- เผยแพร่เมื่อ 11 ก.ย. 2024
- Key Issues and Challenges faced by Women due to Unregulated Microfinance Services in Sri Lanka
Microfinance is an essential aspect of the economy where low-income people often lack access to mainstream financial services. Improved access to microfinance services among the low-income population assists specifically towards poverty reduction, enabling the underprivileged to build assets, increase their income, and reduce their vulnerability to economic recessions.
The Consultative Group to Assist the Poor (CGAP, 2006) defined microfinance as the “provision of financial services to low-income people” and “microfinance services help people fight poverty on their own terms, in a sustainable way”. The Microfinance Act, No. 6 of 2016 1 is the key piece of legislation that provides provisions for, inter alia, the licensing, regulation, and supervision of companies carrying on microfinance business. However, unfortunately, the manner in which unregulated microfinance services are operated in Sri Lanka has initially caused an adverse impact on the economic status of people and subsequently, it has extended to serious social issues. Unregulated, illegal, and exploitative microcredit loan disbursements, mainly among poor and marginalized women in Trincomalee and Polonnaruwa districts have inflicted severe hardships and seriously violated their human rights. These human rights violations include, inter alia, violation of guidelines imposed by the Central Bank, infringing language rights, unjust contract terms and conditions, illegal practices of loan recovery means, gender-based violence, threats and intimidations by officials of some microfinance companies including sexual harassment, violation of privacy
rights, and right to education of children of microfinance loan recipients and the overall negative effects on communities. A disturbing number of suicides/suicide attempts have been linked to this issue in recent times.
The issues surrounding unregulated microfinance services were identified as part of a project titled “Establishment of an impactful approach to safeguard the social and economic rights of rural women subject to adverse human rights impacts within the context of business operations during the COVID pandemic” implemented by CPA in collaboration with National Collaboration Development Front (NCDF) with the support of UNDP.
In addressing these issues and challenges, CPA and NCDF have worked from the mobilization of affected communities to influencing the Central Bank of Sri Lanka and other policy-making bodies in finding solutions to a range of challenging social and economic issues caused by the microcredit loan trap in the context of human rights. Implementing an effective and robust regulatory mechanism that meaningfully standardizes the functions of the microfinance sector in Sri Lanka is essential. While taking steps to provide relief for victimized people as an immediate action, a credit regulatory law should be formulated and implemented as a long-term solution.
100,000 (රු:ලක්ශයක් ) සදහා වර්ශයකට 20000 ක පොලියක් අයකරයි.. එය හීනවන ශේෂයට නම් 36%ක පමණ අගයකි.. කරන්න ඕන පිටින් ණය ගන්න එක නෙවෙයි.. ගමේ මිනිස්සු එකතු වෙලා පොඩි ගානක් මාසිකව එකතු කරල ගමට බැංකුවක් හදාගන්න එක.. වංචා සහගතව කටයුතු නොකල යුතුයි.ඉතා කෙටි කාලයකින් රුපියල් කෝටියක් එකතුවෙන්න මහකාලයක් යන්නෙ නෑ. (වසර 4ක් 5ක් ඇතුලත පුලුවන්). මේ ණය ගත්තු හැමෝම වර්ශයක් දෙකක් ඇතුලත පොලිය ගෙවල තියෙනවා 50000කට වඩා.. රටක වගේම ගමකත් ව්‍යාපාර සදහා ප්‍රධානව බලපාන්නේ මූල්‍ය ශක්තිමත් බාවයයි... මේ දෙන ක්ශුද්‍ර මූල්‍ය පොලිය අනුව ගනං හදල බැලුවොත් රුපියල් කෝටි 100ක් උපයන්න ගතවෙන්නෙ අවුරුදු 20යි.. ඇයි අපිට අනාගත පරම්පරාවට දෙයක් කරල තියන්න බැරි.. දැන්වත් පටන් ගන්න ඕන
ණය අරං ගෙවන්න බැරිනම් ගන්න එපා
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