Financial Inclusion ke baare me hum me se kaafi logon ne suna ya padha hai. Magar financial inclusion hota kya hai aur government ki schemes ka yaha kya role hai.
Financial Inclusion kya hai?
Aise bahut sare log hain jinhe financial products accessible nahi hote. Ya fir vo financial services afford nahi kar sakte. Ek aisa process jo sabhi ko aise financial services access kara sake, isi ko financial inclusion kehte hain. Har kisi ke paas, irrespective of salary ya financial background, sabhi financial services ho, aisa financial inclusion ka aim hota hai.
Ameer ho ya gareeb, sach to yeh hai ki har kisi ko services lene ka haq hota hai. Financial inclusion sabhi ko ye services provide karta hai.
But, aisi kayin services hain jo income ke basis par bhed-bhav karti hain – jaise bank account kholna. Bank account kholne ke liye aksar humse hamare documents maange jaate hain aur kaha jata hai ki hamari ek basic income (aay) honi chahiye. Isi vajah se jo income ka criteria meet nahi kar paate ya jinke paas required documents nahi hote, vo bank account nahi khol paate.
Kisi bhi vajah se financial services me bhed bhaav na ho, aisa ensure karne ke liye Financial Inclusion ka concept laya gaya hai. Bhale hi vo income ke basis par ho, financial status ke basis par, ya fir gender ke basis par. Sabhi ko unke hisse aur haq ki service mile aur sabhi aware aur financially independent bane, yahi financial inclusion hai.
Schemes kya hoti hain aur inki kya zaroorat hoti hai?
Schemes basically vo arrangements ya plans hote hain jo government ya koi organization laagu karte hai taaki unke citizens ya employees ka fayda ho sake.
Schemes logo ko uplift karne me kaam aati hain. Jahaan kahin bhi inequality ki vajah se logo ka nuksaan hota hai, schemes vahaan logo ki help karti hain aur logo ke jeevan me positive change lekar aati hain.
Ab financial inclusion schemes ko hi le lijiye. Jaisa ki hum jaante hain ki financial inclusion inequality ko door kar ke logo ko jagruk karta hai aur sabhi ko finances me help karta hai. Isi kaam me aisi kuch schemes hoti hain jo government ka saath deti hain. Ye schemes implement karne par government logo ki help kar paati hai.
Mahilaon ke liye Financial Inclusion
Sexism ke sath chalti is duniya me hum aksar inequality aur gender gap ko observe karte hain. Finances ek aisa area hai jahaan yeh inequality hume dekhne ko kaafi milti hai. Jahaan majority savings aur kharche auratein manage karti hain, vaha “auratein finances handle nahi kar sakti” aise stereotypes hume sunne ko milte hain.
Aise obstacles ho hatane ke liye hume gender-inclusive financial inclusion ki zaroorat hai.
Sure, cheezein badal zaroor rahi hain but finance ki duniya me ek inequality abhi bhi exist karti hai. Chaahe jo bhi ho, zaroori hai financial services provide karte time ye gender gap bhi kam ho.
Yeh financial inclusion jab mahilaon par bhi focus karta hai, tab hum na sirf women empowerment ki taraf kadam badhaate hain magar gender equality ki taraf bhi contribute karte hain.
Kya Government ne koi financial schemes shuru kari hain?
Aisi kayin schemes hain jo Government of India ne introduce kari hain taaki sirf kuch sections ki hi nahi, hum sabki financially help ho paaye:
- PMJDY: Pradhan Mantri Jan Dhan Yojana
PMJDY sabko banking facilities ka access provide karta hai. Agar kisi ke paas account kholne ke liye minimum balance nahi hai ya fir officially valid documents nahi hain, to PMJDY ke under ve apna ek account khol sakte hain. Iske alawa PMJDY ye sab features citizens ko provide karta hai:– Jinke paas bank account nahi hai, unhe financial literacy programmes ke through banking services ka access aur financial products ke baare me awareness deta hai.
– Ek RuPay debit card jisme accident insurance cover hota hai Rs. 2 lakhs ka
– 6 months ki credit history ya satisfactory account operation par overdraft facility ka access - PMJJBY: Pradhan Mantri Jeevan Jyoti Bima Yojana
Yeh ek insurance scheme hai jo life insurance provide karti hai. Yeh scheme 18 se 50 saal ke logo ke liye hai jinka ek bank account hai aur in logo ne auto-debit ke feature ke liye haami bhari hai. PMJJBY LIC aur banks aapko provide karte hain. Is scheme me kisi bhi reason se death hone par Rs. 2 lakhs ka insurance milta hai aur aapko har saal Rs. 330 ka premium bharna hota jo auto-debit hota hai. - PMSBY: Pradhan Mantri Suraksha Bima Yojana
PMSBY bhi ek insurance scheme hai. Isme aur PMJJBY me farak itna hota hai ki PMSBY 18 se 70 ki age tak ke log avail kar sakte hain aur isme accidental deaths and disability cover hoti hain. Accidental deaths and full disability ke cases me Rs. 2 lakhs ka cover milta hai aur partial disability me Rs. 1 lakh ka. Also, isme aapko Rs.12 per annum ka premium bharna hota hai. - APY: Atal Pension Yojana
Agar aapki umar 18 se 40 saal ki hai aur aap ek saving bank/post office saving bank account holder hain, to aapko ek monthly pension milega, Rs. 1,000 to Rs. 5,000 ka, 60 years ke hone par. Subscriber ki death hone par unke spouse ko yeh amount milega. Aur dono ki deaths par subscriber ke nominee ko. - PMMY: Pradhan Mantri Mudra Yojana
MUDRA: Micro-Units Development and Refinance Agency
Yeh scheme small businesses ki help karne ke liye start hui thi. Isme 3 categories hain:
– Shishu: Yahan Rs. 50,000 ka loan diya jaega– Kishore: Is sub-scheme me Rs. 50,000 se Rs. 5 lakhs ka loan
– Tarun: Isme Rs. 5 lakhs se Rs. 10 lakhs ka - Stand Up India Scheme
Stand Up India scheme me Rs. 10 lakhs se Rs. 1 crore tak ke loans diye jaenge. Magar yeh Women aur SC/ST entrepreneurs ke liye hi valid hai. Aise log jinhone koi greenfield enterprise set up kara hai, per bank at least aise 1 borrower from both categories ye loan avail kar sakte hain.
Government ki yeh saari schemes hamare benefit ke liye hain. Agar aap inme se kisi bhi scheme ke liye eligible hain, to unka laabh zaroor le.
