Pashudhan Kshetr mein transformation- An insight into the Credit Guarantee Scheme
पशुधन क्षेत्र में परिवर्तन: क्रेडिट गारंटी योजना पर एक अंतर्दृष्टि
Haal hi mein ek khabar samne aai hai ki pashudhan kshetr ke vikas ko samarthan dene ki disha mein ek mahatvpoorn kadam uthate hue, matsy paalan, pashupalan aur dairy ministry ne Animal Husbandry Infrastructure Development (AHIDF) ke tahat “Credit Guarantee Scheme” shuru ki hai. Is aitihasik pahal ka uddeshy Micro, Small aur Medium Enterprise (MSMEs) ko collateral- free credit pradan karke pashudhan udyog ko badhava dena hai. Collateral requirements ki paaramprik baadha ko door karke, yojana inclusive development aur economic growth ko badhava dekr livestock enterpreneurs aur farmers ko empowered krna chahti hai.
Credit Guarantee Scheme ki jroorat kyu hai
Pashudhan kshetr Bharat ki rural economy ka ek mahatvpoorn ghatak hai, jo laakho logo ko rojgaar deta hai aur desh ki GDP mein mahatvpoorn yogdaan deta hai.
Schemes ka Uddeshy:
Credit Guarantee Scheme ka lakshy kai aavashyak uddeshyon ko prapt karna hai jaise:
Primary objective mein traditional collateral requirements ke bojh ke bina pashudhan se sambandhit gatividhiyon mein shamil MSMEs ke lie credit tak aasaan pahunch sunishchit karna hai.
Financial support pradaan karke aur creditors ke lie jokhim ko kam karke, yah yojna pashudhan kshetr mein uchch nivesh ko protsahit karti hai, iske infrastructure ko aur expand karti hai.
Is scheme mein rojgar ke nae avsar paida karne ki kshamata hai kyunki livestock entreprises opportunities ko expand or facilities ko upgrade kar rahe hain.
Without collateral credit ki availability kisano ko better animal care, better animal feed aur advanced technology mein nivesh karne ki anumati deti hai, jisse utpadakata mein vridhi hoti hai aur uchh gunvatta vale pashudhan utpad prapt hote hai.
Yojana ki kuch mukhy visheshtaein bhi hai jaise:
Coverage: Credit Guarantee Scheme dairy, poultry, fishery aur animal husbandry sahit pashudhan se sambandhit sabhi gatividhiyon ko apna samarthan pradan karti hai.
Credit Amount: Entrepreneurs or kisaan collateral ki aavashyakta ke bina, AIHDF ki guidelines ke tahat specified limit tak credit access kar sakte hain.
Guarantee Coverage: Yojana ke tahat, eligible borrowers credit amount ke ek certain percentage tak guarantee coverage prapt kar sakte hai, jisse credit dene vale institutions ke lie jokhim kam ho jata hai.
Multiple Lending Institutions: Scheduled commercial banks, regional rural banks aur cooperative banks sahit financial institutions ki ek wide range is yojna mein bhag lene ke lie eligible hai, jisse credit adhik sulabh ho jata hai.
Credit Tenure: Yojana ke tahat provide kia gya credit short -term or long-term dono requirements ke lie uplabdh hai, jo borrowers ko unki vividh vitteey aavashyaktaon ko effective way se poora karne mein saksham banata hai.
Ant mein yeh kehna uchit hai ki pashudhan kshetr ke lie Credit Guarantee Scheme pashudhan udyog ki apaar sambhavnaon ko ujagar karne ki disha mein ek transformative step hai. Livestock activities mein shamil MSMEs ko collateral- free credit pradan karke, Yah yojna financial inclusivity ko badhava deti hai, rojgar ke avsaro ko badhati hai aur kshetr ke overall growth ko badhava deti hai. Sarkar ke atoot samarthan se, livestock entrepreneurs aur farmers ab aatmvishvas se apne pashudhan sanchalan ke vikas aur aadhunikikaran mein nivesh kar sakte hain, jisse Indian livestock sectors ke lie ek ujjval aur adhik samriddh bhavishy sunishchit ho sake.
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