-H.Laltanpuia, Advocate

Tunlai hian Mizoramah a pung ûma pawisa inpûktir kan ching hle. Sum inpûktirna hi Bank atanga pawisa pûk aiin a pung a that bakah, dahkham chàn 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 sàn avangin inremna pawh tha taka ziah thlap a ni thin.

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A hlâwk alawm!

Hetia pung ûma sum an inpuktirna hi thla khatah za-a sawm (10%) vel a ni tlangpui a. Pûk rei zawng chu pûktu leh pûktirtu an inremna dan ang apiang a ni mai. A pung tamzia i ngaihtuah chiang em? January-ah Rs. 100 pûk ta la, thla tin Rs. 10 zela a pun chuan, December-ah a pung belhkhawm Rs. 120 leh a tira i pûk Rs. 100 belhin, Rs. 220 i pêk a ngai. Nuai 10 chu a pung nen nuai 22 a ni. Hetiang khawpa pung tam hian, Rs. nuai za dawn dawnte an inpûksak thin a nia! An inremna ang thlapa leiba hi an rulh chuan, hahdam taka sum peipunna a nih avangin a pûktirtu tan a hlawk em em a. Mathaia 13:12-a “Tu pawh a nei apiang an pe belhchhah ang a, an nei teuh vang; nimahsela, tu pawh a nei lo apiang chu, an neih chhun pawh an laksak ang’ tih hi thlarau lam sawina ni mah se, tisa tak pawhin kan ramah hian a thleng dik mek a ni!

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 thin a. Inthiam chawp nan “A pûktuin a zùam phawt a hnu, a dik lohna a awm lo!” kan ti mai thin a. A pûktu ai mahin a pûktirtu tan a risk a sang zawk. Chu chu kan sawi dawn a ni.

I pûktir thei thlarawk 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 atangin (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 Rs. 5,00,000 chawiin Registration a ti thei a, Registration nei tawhte chuan Rs. 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 thenkhatin 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 tha 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 thing a, an dahkham bungrua / in leh lote pawh laksak tumin nasa takin a bei thin. 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 thin 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. ( The Money Lenders and Accredited Loan Providers (Regulation) Act and Rules,Mizoram 2010 ah chuan not exceed 20 % p.a. ) Chuvangin, thla khata za-a sawm pung tura kan lo inpûktir thin 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 tanchhanin court-ah an khing thin. 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 Rs. 50,000 te an pe a, LSC hawhtu chuan cheng nuai tam tak an pûk ta thin a. An pawisa pûk chu rùl leh duh si lovin, pawisa pûktirtu leh LSC neitute an inbakkaih ta thin 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 chàn hial a lo tul ta thin 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 atang 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.

Bank-ah dan anga sum pûk theih reng a nih laiin engah nge chhungkaw tlakran vek hlauhthawn-awm khawp thilah miin pawisa an pûk thin? 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 tul chang a awm thei bawk. Heng thilah hi chuan sorkar dana roreltute tan pawh mangang tanpui dan zawnpui a chakawm a ni.

Mahse, tunlaia sum inpûktirna tam zawk chu bank kaltlanga dan dika sumdawnna bul tanna 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.

Hremna dan

(The Money Lenders and Accredited Loan Providers (Regulation) Act and Rules, 2010 )

Mi tu pawh Registration nei lo leh fel lo a, sumdawn nan, a pung awm a pawisa puk tir tu chu a tlem ber ah kum khat lungin tan leh kum 5 thleng pawh sei theih a nih bak ah cheng sing nga (Rs 50,000) ai tlem lo chawi tir theih a ni.