nfhs;iff; Fwpg;G

gf;fk; 1Vg;upy; 2018

,aw;if mdu;j;jf; fhg;gPLnkhopf; nfhs;if njhlu;ghd mrke;jg; Nghf;ifj; jPu;j;J itg;gJ jPntq;fpYk; rpW kw;Wk; kj;jpa ju

njhopy; Kaw;rpahsu;fSf;F cjTk;

RUf;fk;

Xu; mjpfupj;j vz;zpf;ifapyhd ,aw;if

mdu;j;jq;fs; ,yq;ifia mz;ika Mz;Lfspy;

ghjpj;Js;sd. rpW kw;Wk; eLj;ju njhopy;

Kaw;rpfs;(SMEs) mdu;j;j kPl;rp kw;Wk; tpahghu

njhlu;r;rpj; jpl;lq;fs; Mfpatw;wpy; Fiwthd

KjyPLfNshL epjp tsq;fypd;ikAk; Nru;e;j

fhuzj;jpdhy; Fwpg;ghf ,t; mdu;j;jq;fspd;

jhf;fq;fSf;F ghjpg;Gwj;jf;fitahf cs;sd.

,yq;ifapy; mdu;j;jf; fhg;gPl;bd; kl;Lg;gLj;jg;gl;l

ghtid gy fhuzpfspd; tpisthf Vw;gLtjhFk;.

mtw;Ws; rpy Vw;nfdNt mwpag;gl;litAk; gutyhf

fye;Jiuahlg;gl;litAkhFk;. ,f; nfhs;iff;

Fwpg;G Kd;du; fye;Jiuahlg;glhjitAk;

,yq;ifapy; SMEfs; kj;jpapy; ,aw;if

mdu;j;jf; fhg;gPL Fiwe;j mstpy;

nra;ag;gLtij mwpe;Jnfhs;tjw;fhf ntupl;Nl

upNru;r; epWtdj;jhy; elj;jg;gl;l Ma;tpd;NghJ

Njhd;wpaitAkhd tpNrl fz;lwpjiy tpsf;FfpwJ.

1987,y; epiwNtw;wg;gl;l murpayikg;gpw;fhd

13MtJ jpUj;jj;jpd;1 MjuNthL rpq;fsk;> jkpo;>

Mq;fpyk; Mfpa ,yq;ifapd; Kk;nkhopfspYk;

midj;J murhq;f njhlu;ghly;fisAk;

fpilf;ff;$bajhf nra;Ak; xU nfhs;iff;F

,yq;if muR gw;WWjp G+z;Ls;sJ. fpilf;ff;$ba

fhg;gPLfs; njhlu;ghd Mtzq;fs; kw;Wk; jfty;fs;

njhlu;ghf ,f; nfhs;ifapd; mKyhf;fypd;ikahdJ>

,yq;ifapy; ,aw;if mdu;j;jf; fhg;gPL

Fiwthd mstpy; ,Ug;gjw;F fzprkhf

gq;fspg;ghw;wpAs;sJ vd;W ntupl;Nl fz;lwpe;Js;sJ.

nfhOk;Gf;F ntspNa ,aw;if mdu;j;jq;fshy;

ghjpf;fg;gLk; gFjpfs; 30%w;F Fiwthd Mq;fpy nkhop

vOj;jwpitNa nfhz;Ls;sd. nfhOk;Gg;ngUk;ghf

gFjpapy;$l mJ ruhrupahf fpl;lj;jl;l 45%khfNt cs;sJ. vdpDk;> fhg;gPL njhlu;ghd jfty;fs;

jdpahu; fhg;gPl;Lf; fk;gdpfspdhYk; murhq;fj;jpdhy;

toq;fg;gLk; fhg;gPl;L eyd;Gup jpl;lq;fspdhYk;

Vwf;Fiwa KOf;f KOf;f Mq;fpyj;jpNyNa

toq;fg;gLfpd;wd. ,J> rpq;fsk; kw;Wk; jkpo; NgRk;

kf;fs; ,aw;if mdu;j;jf; fhg;gPl;bd; gad;fis

ngw;Wf;nfhs;tjw;Fj; jilahf ,Ue;JtUfpwJ.

Kf;fpa fz;lwpjy;fs;

1. mdu;j;jf; fhg;gPL nra;tjpy; ,yq;if kpff; FiwthfNt nrayhw;WfpwJ. SMEfs; jhd; ,jdhy; kpfTk; ghjpg;GWgtu;fshtu;

▪ ,yq;ifapy; nkh.c.c ,d;(GDP) tPjnkd;w tifapy; fhg;gPl;L gpupkpakhf

tiutpyf;fzg;gLj;jg;gLk; fhg;gPl;L CLUty;

tpfpjk; Mrpa gpuhe;jpaj;jpYs;s ngUk;ghyhd

NtW ehLfNshL xg;gpLifapy; Fiwthdjhf

cs;sJ.2 nghJ my;yJ MAs; fhg;GWjp

my;yhj fhg;GWjpfspd; cg gpupthf cs;s

jPf; fhg;GWjpapd; fPo; toq;fg;gLk; ,aw;if

mdu;j;jf; fhg;GWjpf;fhd CLUty; tpfpjk;

,d;Dk; Fiwthdjhf cs;sJ. Rtp]; Re’s,d; cyff; fhg;gPL 2015 gw;wpa kPsha;tpd;gb>

Mrpahtpw;fhd MAs; fhg;GWjp my;yhj

fhg;GWjp CLUty; tpfpjk; 1.74 MFk;.3

,jw;F khwhf> ,yq;ifapd; MAs; fhg;GWjp

my;yhj fhg;GWjpapd; CLUty; tpfpjk; 0.66 MfNt ,Ue;jJ. ,J> ,e;jpah> tpal;ehk;>

jha;yhe;J> kNyrpah Mfpa Mrpa ehLfs;

kw;Wk; nkhNuhf;Nfh nfd;ah> ^dPrpah kw;Wk;

mq;Nfhyh Mfpa Fiw kw;Wk; kj;jpa tUkhd

ehLfs; Mfpatw;iw tplTk;; FiwthdjhFk;.4

▪ ,yq;ifapy; ngUk;ghYk; ghupa ifj;

njhopy;fSk; tu;j;jf nrhj;Jf;fSk; ,aw;if

mdu;j;jf; fhg;gPLfs; nra;Jnfhz;Ls;sd.

vdNt> SMEfs; kj;jpapyhd ,aw;if mdu;j;j

fhg;gPl;L CLUty; tpfpjk; mijtplf;

Fiwthdjhf ,Uf;ff;$Lk;.

2. jdpahu;Jiw fhg;gPl;Lr; re;ijfs; nkhopj; jilapy; gadilfpd;wd:

▪ ,yq;ifapy; Kjy; 6 nghJ fhg;gPL

toq;Fdu;fs; re;ijg; gq;fpd; %d;wpy;

,uz;L gq;fpw;F cupatu;fshfpd;wdu;.

mtw;Ws; xd;W kl;LNk (re;ijapd; 6%jpw;F Fiwthf cs;sJ) jPf; fhg;gPl;Lg; gj;jpuj;ij rpq;fsj;jpy; toq;FfpwJ. ve;jnthU fk;gdpAk;

,t;thtzq;fis jkpopy; jutpy;iy.

▪ 2017 Nk khjk; ,uj;jpdGupapy; nts;sj;jpdhy; ghjpf;fg;gl;l SME cupikahsu;fs;

jdpahu;Jiwf; fhg;gPl;Lf; fk;gdpfisg;

nfhs;iff; Fwpg;G

gf;fk; 2Vg;upy; 2018

gpujpepjpj;Jtg;gLj;Jk; Kftu;fs; %yk; jhk;

,aw;if mdu;j;jf; fhg;GWjpia nfhs;tdT

nra;jpUe;jjhff; fUjpapUe;jhfTk; vdpDk;

mdu;j;jj;jpd; gpd;du; jkJ ,og;gPl;ilg;

ngWtjw;Fr; nrd;wNghJjhd; mf;fhg;GWjpia

tpw;gid nra;j Kftupdhy; jhk;

Vkhw;wg;gl;bUe;jij czu;e;Jnfhz;ljhfTk;

mwptpj;jdu;. mtu;fs; ifnahg;gkpl;l

Mtzq;fs; KOf;fKOf;f mq;fpyj;jpy;

,Ue;jikapdhy;> Kftupdhy; toq;fg;gl;l

thf;FWjpfis mtu;fshy; rup ghu;j;;Jf;nfhs;s

Kbatpy;iy.

3. mur fhg;gPl;L eyd;Gupj; jpl;lq;fs; RNjr nkhopfspy; mwptpf;fg;gLtjpy;iy:

▪ murhq;fj;jpdhy; epjpaspf;fg;gl;L> Njrpa

fhg;gPl;L ek;gpf;if epjpaj;jpdhy; (NITF) epUtfpf;fg;gLk; Njrpa ,aw;if mdu;j;jf;

fhg;gPl;Lj; jpl;lk; (NNDIP)> mj;jpl;lk; njhlu;ghd

jfty;fis ,e;j Mz;bd; njhlf;fk;

tiuapy; jdJ tiyj;jsj;jpy; Mq;fpyj;jpy;

kl;LNk toq;fpaJ. 2017 etk;gu; 13 Mk;

jpfjp ,t;tiyj;jsk; gupNrhjpf;fg;gl;lNghJ

NNDIP njhlu;ghd jfty; Mq;fpyj;jpy;

kl;LNk ,Ue;jJ. NNDIP njhlu;ghd jfty; 2018 Mk; Mz;L Muk;gj;jpy; rpq;fsj;jpy;

khj;jpuk; nkhopngau;f;fg;gl;lJ (,e;jf; Fwpg;G ntspaplg;gLk; NghJ). jfty; ,d;Dk; jkpopy;

fpilf;ftpy;iy.

▪ 2017 Mk; Mz;L nts;sj;jpdhy; ghjpf;fg;gl;l

khj;jiw khtl;l SMEfs; gw;wpa Ma;Tfs;

jw;NghJs;s NNDIP gw;wpa tpo;g;Gzu;tpd;ikia

ntspg;gLj;jpaJ. 5,385 cWg;gpdu;fs; mlq;fpa

r%f ika epWtdnkhd;Wld; elj;jg;gl;l

ftdf;Ftpg;G fye;Jiuahly;fSk; mtu;;fs;

NNDIP gw;wp mwpe;jUf;ftpy;iy vd;W

mwptpj;jJ. nghJthd tpopg;Gzu;tpd;ik

,j; jpl;lq;fs; njhlu;ghd jfty;fSf;fhd

nkhop tha;g;Gfs; ,y;yhikapd; tpisthf

Vw;gl;ljhFk;.

4. tq;fpj;Jiw nkhop xOq;F tpjpfs;> fhg;gPl;Lj; Jiwapy; ,d;Dk; mt;thNw gpujpgyp;f;fg;gltpy;iy

▪ tq;fpj; JiwapYs;s xOq;Ftpjpfs;>

tq;fpj; njupTfs; kw;Wk; NritfNshL

njhlu;Ggl;l epajpfs; thbf;ifahsu;fSf;F

mtu;fs; tpUk;Gk; nkhopapy; fpilf;fr;nra;a

Ntz;Lnkd;W Fwpj;Jiuj;J midj;J cupkk;

ngw;w tu;j;jf tq;fpfSf;Fk; gzpg;Giu

tpLj;J nkhopf; nfhs;ifg; gpur;rpidiaj;

jPu;j;Js;sd.

▪ fk;gdpfs; fhg;gPl;L Mtzq;fis

thbf;ifahsUf;F nghUe;Jk; xU ,yq;if

nkhopapy; toq;f Ntz;Lnkd NfhUk; xOq;F

tpjpfs; vJTk; fhg;gPl;Lf; ifj;njhopypy;

,d;Dk; fpilg;gjhf ,y;iy.

Ma;T NkNyhl;lk;

1. ,yq;ifapy; Fwpg;ghf SMEfspy; ,aw;if mdu;j;jf; fhg;gPL ngWtJ

Fiwthf cs;sJ.

SMEfs; ,yq;ifapYs;s vy;yh tpahghuq;fspdJk;

80%If; nfhz;Ls;sJ. ,J ifj;njhopy; jhgdq;fspd;

20%IAk; Nritj; Jiwfspd; 90%IAk; nfhz;Ls;sJ.5

SMEfs; nkhj;j cs;ehl;L cw;gj;jpapy; (GDP) mz;zsthf 52%w;Fk;> ehl;by; cs;s nkhj;j

njhopy; tha;g;Gfspy; 45%w;Fk; gq;fspg;G nra;fpd;wd.6nghUshjhuj;Jf;Fk; njhopy; tha;g;Gf;fSf;Fkhd

SMEfspd; Kf;fpaj;Jtj;ij itj;Jg; ghu;f;ifapy;>

NguopT kpf;f ,aw;if mdu;j;jj;ijj; njhlu;e;J

mtw;wpd; cupa fhyj;jpyhd kPl;rpf;F trjp

Vw;gLj;JtJ kpf Kf;fpakhFk;. SMEfs; mdu;j;jj;jpypUe;J kPl;rp ngWtJ kw;Wk; tpahghu

njhlu;r;rpj; jpl;lq;fs; Mfpatw;wpy; Fiwthd

KjyPLfNshL Nru;e;J mtw;wpd; epjp tskpd;ik

fhuzkhf ,aw;if mdu;j;jq;fspd; jhf;fq;fSf;F

Fwpg;ghf ghjpg;gilaj; jf;fdthf cs;sd.

,yq;ifapy; jdpahu;Jiw ,aw;if mdu;j;jf;

fhg;gPL nra;jy; Fiwthf cs;sNjhL> toikahf

ngupa ifj;njhopy; kw;Wk; tu;j;jf nrhj;JfSf;Nf

kl;Lg;gLj;jg;gl;Ls;sJ.7 ,yq;if jdpahu;Jiw

fhg;gPl;Lr; re;ij nghJthf ePz;l jtizf; fhg;gPL

(MAs; fhg;GWjp) kw;Wk; nghJthd fhg;gPL (MAs;

fhg;GWjp my;yhj) vd tifg;gLj;jg;glyhk;.

,aw;if mdu;j;jf; fhg;gPL nghJf; fhg;gPl;bd;

fPo; cs;s cg gpupTfshd jP kw;Wk; kpd;dy;

fhg;GWjpfSf;fhd xU tpupthf;fkhf toq;fg;gLfpwJ.

,yq;ifapy; fhg;gPl;L CLUty; tpfpjk; (nkh.c.c

,d; (GDP) tPjnkd;w tifapy; fhg;gPl;L gpupkpakhf) Mrpa gpuhe;jpaj;jpYs;s ngUk;ghyhd NtW

ehLfNshL xg;gpLifapy; Fiwthdjhf cs;sJ.8

,yq;ifapd; nghJf; fhg;gPl;L CLUty; kl;lk;

2015 kw;Wk; 2016Mk; Mz;Lfspy; KiwNa 0.66 kw;Wk; 0.67 Mf ,Ue;jJ. xg;gPl;lstpy; ,e;jpah>

tpal;dhk;> jha;yhe;J> kNyrpah Mfpa ehLfspy;

nghJ fhg;gPl;L CLUty; kl;lk; 2015,y; KiwNa

0.72, 0.74, 1.79 kw;Wk; 1.68 Mf ,Ue;jJ.9 Vida

Fiw kw;Wk; kj;jpa tUkhd ehLfshd nkhNuhf;Nfh

nfd;ah> ^dPrpah kw;Wk; mq;Nfhyh Mfpatw;wpd;

gjpT nra;ag;gl;l nghJ fhg;gPl;L CLUty; kl;lk;

KiwNa 1.99, 1.88, 1.58 kw;Wk; 0.8, MFk;. ,it

midj;Jk; ,yq;ifiatpl cau;thd kl;lq;fshFk;.10

nfhs;iff; Fwpg;G

gf;fk; 3Vg;upy; 2018

,yq;ifapy; nghJf; fhg;gPl;bd; xU cg gpupthd jPf;

fhg;gPL fhl;rp 1 ,y; vLj;Jf; fhl;lg;gl;lthW ,ijtplf; Fiwthd CLUty; kl;lj;ijf; nfhz;Ls;sJ.

vdNt> jPf; fhg;gPl;bd; fPo; tUk; ,aw;if mdu;j;j

my;yJ ,aw;if NguopT fhg;gPl;bd; cz;ikahd

CLUty; kl;lk; ,ijtplf; Fiwthf ,Uf;ff;$Lk;.

NkYk;> jdpahu;Jiwf; fhg;gPL ngUksTf;F ghupa

ifj; njhopy;fSf;Fk; tu;j;jf nrhj;Jf;fSf;Fk;

toq;fg;gLtjdhy; SMEfs; kj;jpapyhd mdu;j;jf;

fhg;gPl;L CLUty; Fwpg;ghf Fiwthf ,Uf;ff;$Lk;.

toq;fhik mj;jifa Nritfis kjpg;gPL nra;tJ

kw;Wk; ngw;Wf;nfhs;tjpypUe;J gyiu> Fwpg;ghf

gpuhe;jpa kl;lq;fspy; ,Ug;gtu;fis jLf;fpd;wJ.

fhl;rp 2: Nk 2016 kw;Wk; 2017 Mk; Mz;L

nts;sg;ngUf;fpdhy; fLikahf ghjpf;fg;gl;l

10 khtl;lq;fspd; 15 kw;Wk; mjw;F Nkw;gl;l

taJila kf;fspd; Mq;fpy nkhop vOj;jwpit

vLj;Jf; fhl;LfpwJ. Mq;fpy nkhop vOj;jwpT Nky;

khfhzj;jpw;F ntspNa cs;s gpuhe;jpaq;fspy;

fzprkhd msT Fiwthf cs;sJ. ,j; juTfs;

fhg;gPl;L Kftu;fshy; gpuhe;jpa kw;Wk; fpuhkpa

tu;j;jfq;fs; Ruz;lYf;F cs;shff;$ba jd;ikia

ntspg;gLj;JfpwJ. nghJthf ,k; Kftu;fs; fhg;gPl;L

fk;gdpfspd; Neub Copau;fs; my;y. Mdhy;

Nrfupf;fg;gLk; gpuPkpaq;fs; kw;Wk; Gjpa Nru;f;iffspd;

vz;zpf;if Mfpatw;wpd; mbg;gilapy; vt;tsT

mjpfkhd fhg;gPLfis tpw;f KbANkh mt;tsT

fhg;gPLfis tpw;gjw;F Cf;Ftpf;fg;gLfpd;wdu;.

fhl;rp 1: ,yq;ifapy; jPf; fhg;gPl;L CLUty; kl;lk;.

fhl;rp 2: njupTnra;ag;gl;l khtl;lq;fspd; Mq;fpy

nkhop vOj;jwpT kl;lq;fs;.

%yk;: IBSL Mz;lwpf;ifapd; mbg;gilapy;

Mf;fpNahdpd; nrhe;jf; fzpg;gPL

Fwpg;G : jPf; fhg;gPl;L CLUty; GDPapd; xU tPjkhf nkhj;j vOjg;gl;l gpupkpakhf jPf; fhg;gPl;bypUe;J

ngwg;gl;lJ.

%yk;: ,yq;if Fbrd kw;Wk; tPl;L kjpg;gPL> 2017

Fwpg;G: Mq;fpy vOj;jwpT thrpj;jy; kw;Wk;

vOJjYf;fhd Mw;wyhf kjpg;gplg;gLfpwJ.

2. jdpahu;j;Jiwf; fhg;gPl;L ifj;njhopy;fs; nkhopj; jilapypUe;J gad; ngWfpd;wd

,aw;if mdu;j;jf; fhg;gPl;L toq;fypy; gy

jtWfs; ,Uf;Fk; mNjNtis> nkhopj; jilfs;

,aw;if mdu;j;jf; fhg;gPl;ilg; ngw;Wf;nfhs;tjpYk;;

mjpypUe;J gad;fisg; ngWtjpYk; SMEfs; vjpu;Nehf;Fk; xU Fwpg;gplj; jf;f jilahf cs;sJ

vd;gij vkJ Ma;T ntspg;gLj;jpaJ. VNjDnkhU

xg;ge;jj;ijr; nra;Jnfhs;tjw;F mt;nthg;ge;jk;

gad;kpf;f tifapy; mKy;gLj;jg;gLtij

cWjpnra;AKfkhf rk;ge;jg;gl;l epajpfisAk;

epge;jidfisAk; midj;J jug;gpdUk;

Gupe;Jnfhs;sNtz;Lk;. vdpDk;> xU fhg;gPl;bd;

epajpfisAk; epge;jidfisAk; cs;slf;fpapUf;Fk;

fhg;GWjp Mtzq;fs; ngUk;ghYk; Mq;fpyj;jpy;

khj;jpuNk toq;fg;gLfpd;wd vd;gNjhL> mk;nkhopapy;

ed;F Gyikngw;wtu;fspdhYk; KOikahfg;

Gupe;Jnfhs;tjw;F fbdkhd njhopy;El;g kw;Wk; rl;l

thrfq;fisf; nfhz;bUf;fpd;wd. ,yq;ifapy; 15 kw;Wk; mjw;F Nkw;gl;l taJila kf;fspd; ruhrup

Mq;fpy vOj;jwpT kl;lk; 30% kl;LNk11 vd;gijf;

nfhz;L ghu;f;Fk;NghJ fhg;gPl;L Mtzq;fis my;yJ

VNjDk; xg;ge;j Mtzq;fis RNjr nkhopfspy;

nfhOk;G

fk;g`h

fSj;Jiw

mk;ghe;Njhl;il

fhyp

khj;jiw

mEuhjGuk;

,uj;jpdGup

Nffhiy

Gj;jsk;

52%45%

40%

19%

31%

21%

22%

21%26%

25%

2017 Nk khjk; ,uj;jpdGup khtl;lj;jpy; nts;sj;jpdhy; ghjpf;fg;gl;l SME cupikahsu;fNshL ehk;

elj;jpa fye;Jiuahly;fs;12 jdpahu; Jiw ,aw;if mdu;j;jf; fhg;gPl;il Kftu;fs; %ykhf nfhs;tdT

nra;jpUe;j gy tpahghu cupikahsu;fs; gpd;du;

ve;j ,og;gPl;ilAk; ngw;Wf;nfhs;s KbahjpUe;jdu;

vd;gij ntspg;gLj;jpaJ. ,t; SMEfs; jkJ

fhg;gPl;L epajpfisAk; epge;jidfisAk;

Mq;fpyj;jpy; ngw;Wf;nfhz;bUe;jdu;. mtu;fsJ

$w;wpd;gb> fhg;gPl;L xg;ge;jj;jpy; ifr;rhj;jpl;lNghJ

mtu;fsJ fhg;gPl;Lg;gj;jpuk;> nts;s

fhg;gPl;ilAk; cs;shf;Ftjhf mtu;fSf;F

fhg;gPl;L Kftupdhy; mwptpf;fg;gl;lJ. nts;sk;

Vw;gl;l gpd;du; ,og;gPL ngw;Wf;nfhs;tjw;F

tpz;zg;gpj;jNghJjhd;

nfhs;iff; Fwpg;G

gf;fk; 4Vg;upy; 2018

nts;sj;jpdhy; Vw;gl;l ,og;Gfs; mtu;fSila

fhg;gPl;Lg;gj;jpuj;jpy; cs;slf;fg;gl;bUf;ftpy;iy

vd;gij mtu;fs; czu;e;jhu;fs;.

njupTnra;ag;gl;l fhg;gPl;Lf; fk;gdpfspd;

Kk;nkhopfspSkhd jPf; fhg;gPl;L Mtzq;fspd;

fpilf;ff;$ba jd;ik fhl;rp 3 ,y;

fhl;lg;gLfpwJ. jPf; fhg;gPl;L Mtzq;fs; Kk;

nkhopfspYk; fpilf;ff;$badthf cs;sdth

vd;gij mwpe;Jnfhs;tjw;fhf xt;nthU

fhg;gPl;Lf; fk;gdpNahLk; elj;jpa njhiyNgrp

miog;Gfspd; thapyhf jfty;fs; jpul;lg;gl;ld.

Mtzq;fs; Mq;fpyj;jpy; jhuhskhff; fpilf;ff;-

$bajhf ,Ug;gjhf vy;yhf; fk;gdpfSk; mwptpj;-

kf;fs; fhg;gPL kl;LNk

rpq;fs nkhopapYk; Mtzq;fisf; nfhz;bUe;jJ.

3. mur fhg;gPl;Lj; jpl;lq;fs; RNjr nkhopfspy; mwptpf;fg;gLtjpy;iy.

jdpahu; Jiw fhg;gPl;Lr; re;ijapy; epyTk; rpy

,ilntspfisj; jPu;g;gjw;F ,yq;if murhq;fk;

(GoSL)

(People’s Insurance)

Njrpa fhg;gPl;L ek;gpf;if epjpaj;jpd;

fhl;rp 3: Mq;fpyk;> rpq;fsk; kw;Wk; jkpopy; jPf;;

fhg;GWjp gj;jpuk; fpilf;ff;$ba jd;ik13

%yk;: NkNy Fwpg;gplg;gl;l fhg;gPl;Lf; fk;gdpfs;

xt;nthd;wpdJk; jiyikafj;Jld; Nkw;nfhs;sg;gl;l

njhiyNgrp miog;Gfs;.

Fairfirst ,d;#ud;]; A+dpad; v#ud;]; nghJf;

fhg;gPl;Lld; ,izf;fg;gl;lJ. vdNt> mwptpf;fg;gl;l

re;ij gq;Fngahu;ng];l; kw;Wk; A+dpad; v#ud;];

Mfpatw;wpd; mwptpf;fg;gl;l ngWkjpfs;

19.22%

19.10%

12.76%

11.23%

5.34%5.19%

E S T E S T

E S T

E S T

E S T E S T

(NITF) Clhf toq;fg;gLtJk>; 2016 Vg;uy;

1Mk; jpfjp mKYf;F te;jJk;> murhq;fj;jpdhy;

epjpaspf;fg;gLtJkhd xU Njrpa mdu;j;jf;

fhg;gPl;Lg; gj;jpuj;ij (NNDIP) mwpKfg;gLj;jpaJ.

,g; gj;jpuk; LKR 2.5 kpy;ypad; tiu rfy

FLk;gq;fspdJk; rpW tpahghu ];jhgdq;fspdJk;

MAs; kw;Wk; nrhj;Jf;fis cs;slf;FtNjhL>

mit xt;nthd;W njhlu;ghfTk; nrhj;Jf;fs; kw;Wk;

cs;slf;fq;fSf;F #whtsp> Gay;> nts;sk;>

kz;rupTfs;> Row;fhw;W> epyeLf;fk;> Rdhkp kw;Wk;

twl;rp jtpu;e;j NtW VNjDk; mJNghd;w ,aw;if

mdu;j;jq;fs; Mfpatw;wpd; fhuzkhf Vw;gLk;

,og;GfisAk; cs;slf;fpAs;sJ.14 vdpDk;> ,f;

fhg;gPl;bd; fPo; cs;slf;fg;gl;Ls;s rpW tpahghuq;fs;

LKR 10 kpy;ypaDf;Ff; Fiwthd tUl tUkhdj;ij

<l;Lk; ];jhgdq;fshFk;. vdNt> ,J cs;slf;fj;ij

rpW njhopy; Kaw;rpfSf;F kl;Lg;gLj;JfpwJ.15

NNDIP jpl;lk; 2 tUlq;fshfTk; 2 gpujhd

nts;s epfo;Tfspd; NghJk; (Nk 2016 kw;Wk;

2017) mKypy; ,Ue;jNghJk; mjd; gadhspfs;

kj;jpapy; ,j; jpl;lk; njhlu;ghd tpopg;Gzu;T kl;lk;

kpff; Fiwthf cs;sJ. Njrpa nfhs;iffs;

kw;Wk; nghUshjhu tptfhuq;fs; mikr;R kw;Wk;

mdu;j;j Kfhikj;Jt mikr;R Mfpatw;wpdhy;

jahupf;fg;gl;l Nk 2017 nts;sj;jpd; Jupj

mdu;j;jj;jpw;Fg; gpd;duhd Njitfs; kjpg;gPL “,j; jpl;lk; njhlu;ghd nghJkf;fspd; tpopg;Gzu;T

kl;lk; NghJkhdjy;y” vd;gij ,dq;fz;lJ.

khj;jiw kw;Wk; fhyp gFjpfspYs;s SMEfs; gw;wp VR ,dhy; elj;jg;gl;l Ma;Tfs;16 NNDIP,ypUe;J ,og;gPL ngw;Wf;nfhs;tjw;F jifikAila

ngUk;ghyhd rpW tpahghuq;fs; ,j; jpl;lk;

mKypy; ,Ug;gij mwpahjpUe;jdu; vd;gij

ntspg;gLj;jpaJ. fSj;Jiw khtl;lj;jpd;

Gsj;rpq;fs kw;Wk; ghype;jEtu Mfpa gpuNjr

nrayfg; gpupTfspy;; cs;s 5>385 cWg;gpdu;fisf;

nfhz;l xU r%f ika epWtdkhd Ra cjtp

FO ts epiya (SHGRC) j;NjhL elj;jg;gl;l

Neu;Kfq;fs; ,jid NkYk; cWjpg;gLj;jpd.

SHGRC Nk 2017 nts;sj;jpd; gpd;du; cldbahf

jkJ cWg;gpdu;fs; kj;jpapy; Vw;gl;l mopTfspd;

msit kjpg;gpLtjw;F tpupthdnjhU Ma;tpid

Nkw;nfhz;lNjhL> 94 rpy;yiwf; filfs;>

452 czT/,dpg;Gg; gz;lk; jahupg;ghsu;fs;

kw;Wk; 19 $tp tpw;Nghu; ghjpf;fg;gl;bUe;jdu;

vd;Wk; mtu;fSf;F cjtp Njitg;gl;lnjd;Wk;

,dq;fz;lJ. vdpDk;> mtu;fs; NNDIPitg; gw;wp mwpe;jpUf;fhjNjhL> mj; jpl;lj;jpypUe;J

,og;gPL kw;Wk; cjtpfis ehlTkpy;iy.

,yq;ifapd; mdu;j;j Kfhikj;Jt Kiwik

(Desinventar) ghjpf;fg;gl;l tpahghuq;fspd;

tpguq;fisj; jUtjpy;iy. Nk 2017 nts;sj;jpd; mdu;j;jJf;Fg; gpe;jpa Njitfs; kjpg;gPLk;

,jid xU gpur;rpidahf ,dq;fz;lJ. vdpDk;>

jd.

nfhs;iff; Fwpg;G

gf;fk; 5Vg;upy; 2018

fhl;rp 4: Nk 2107 nts;sj;jpdhy; ghjpf;fg;gl;l kf;fspd; tPjj;Jldhd tpz;zg;gq;fs; jhf;fy;

nra;Ak; Ez; kw;Wk; rpW tpahghuq;fspd; tPjj;jpd; xg;gPL.

xU gjpy; Rl;biag; gad;gLj;jp ghjpf;fg;gl;l

tpahghuq;fspd; vz;zpf;ifia kjpg;gpLtJ

rhj;jpakhFk;. Xt;nthU khtl;lj;jpYk;

ghjpf;fg;gl;l kf;fspd; tPjk; ghjpf;fg;gl;l

tpahghuq;fspd; tPjj;ij kjpg;pgLtjw;fhd

xU gjpy; Rl;bahfg; gad;gLj;jg;glyhk;.

Nk 2017 nts;sj;jpy; ghjpf;fg;gl;l Ml;fspd;

vz;zpf;if njhlu;ghf fpilf;ff;$ba juTfs;

cs;sd. mit Njrpa mdu;j;j epthuz

epiyaj;jpdhy; (NDRC) njhFf;fg;gl;L Nk

2017 Jupj mdu;j;jj;jpw;Fg; gpe;jpa Njitfs;

kjpg;gPl;by; gjpag;gl;Ls;sd. fhl;rp 4 Nk 2017 nts;sj;jpy; xt;nthU khtl;lj;jpYk; ghjpf;fg;gl;l

Ml;fspd; tPjj;jpd; mbg;gilapy; Nfhupf;if

tpz;zg;gq;fis jhf;fy; nra;Ak; Ez; kw;Wk;

rpW tpahghuq;fspd; tPjq;fis xg;gpLfpwJ.

ghjpf;fg;gl;l Ml;fspd; tPjk; Nfhupf;iffis

rku;g;gpf;Fk; tpahghuq;fspd; tPjj;ijtpl kpf

mjpfkhFk;. ngUk;ghyhd khtl;lq;fspy;

ghjpf;fg;gl;l kf;fspd; tPjk; Nfhupf;iffs;

rku;g;gpj;j tpahghuq;fspd; 2 – 4 klq;F tpfpjkhFk;. ,q;F tpsf;fk; vd;dntdpy;> $ba vz;zpf;if

jhuskhf fpilf;Fk; ,og;gPl;bw;fhd tha;g;Gfs;

gw;wp tpahghupfs; kj;jpapy; epyTk; Fiwthd

tpopg;Gzu;it vLj;Jf;fhl;LfpwJ vd;gjhFk;.

,e;j tplak; njhlu;ghf tpopg;Gzu;tpd;ikf;F

gy fhuzq;fs; ,Uf;ff;$Lk; vd;w mNjNtis>

,j;jpl;lk; njhlu;ghf RNjr nkhopfspy; jfty;fs;

,Uf;ftpy;iy vd;gij ,t;tha;T fz;lwpe;jJ.

NITF tiyj;jsj;jpy; NNDIP njhlu;ghf fhzg;gLk;

jfty;fs; 2017 Mk; Mz;bd; ,Wjp tiuapy;

Mq;fpyj;jpy; kl;LNk ,Ue;jd. 2107 etk;gu; 13

Mk; jpfjp ,Wjpahfg; ghu;j;jNghJ> NNDIP gw;wpa jfty;fs; Mq;fpyj;jy; khj;jpuNk ,Ue;jd. ,e;j

tUl njhlf;fj;jpy; ,t; tiyj;jsk; NNDIP gw;wpa jfty;fis rpq;fsj;jpYk; Nru;j;Jf;nfhs;tjw;fhf

,w;iwg;gLj;jg;gl;lJ. vdpDk;> NNDIP gw;wpa

jfty;fis jkpopy; Nru;j;Jf;nfhs;tjw;fhf

mJ ,w;iwg;gLj;jg;gltpy;iy (gpd;dpizg;G 1)

4. tq;fpj; Jiw nkhop xOq;Ftpjpfs; fhg;gPl;Lf; ifj;njhopy; mNjNghd;W gpd;gw;wg;gltpy;iy

jw;NghJ fhg;gPl;L Mtzq;fs; ve;j nkhopapy;

toq;fg;gl Ntz;Lnkd;W Fwpj;Jiug;gjw;fhd rl;lk;

my;yJ tpjpfs; kw;Wk; xOq;Ftpjpfs; vJTkpy;iy.17

vdpDk;> thbf;ifahsu; tpUk;Gk; nkhopapy; fhg;gPl;L

Mtzq;fis toq;Ftij fl;lhag;gLj;JtJ

mdu;j;j ,lu; fhg;gPl;il ngw;Wf;nfhs;tjw;F

nkhop xU jilahf ,Ug;gij ,y;yhnjhopf;f

KbAnkd;gNjhL ,f; fhg;gPl;Lf; ifj;njhopypy;

SMEfspd; ek;gpf;ifia mjpfupg;gij Nehf;fpa

xU Kf;fpakhd mbnaLg;ghf mikaTk; KbAk;.

,yq;ifapy; tq;fpj; njhopy;Jiw Vw;nfdNt

,j; Njitia ,dq;fz;L cupkk; ngw;w tu;j;jf

tq;fpfSf;fhd xU elj;ijf; Nfhitia mwpKfk;

nra;Js;sJ. NtW Njitg;ghLfSf;F kj;jpapy;> ,f;

Nfhit tq;fpj; njhopy; njupTfs; midj;jpdJk;

epajpfSk; epge;jidfSk; thbf;ifahsu;

tpUk;Gk; nkhopapy; fpilf;fr; nra;a Ntz;Lnkd

Fwpj;Jiuf;fpwJ.18 (tpguq;fSf;F ngl;b 1 Ig; ghu;f;f)

,f;nfhs;if rPu;jpUj;jg; gzpia ,yq;if fhg;gPl;L

ifj;njhopypd; xOq;FgLj;jy; mikg;ghf tpsq;Fk;

,yq;if fhg;gPl;Lr; rigf;F (IBSL) toq;fKbAk;.

2007 Mk; Mz;bd; 27 Mk; ,yf;fr; rl;lk;

Nk 2017 nts;sj;jpy;

kpfTk; ghjpf;fg;gl;l khtl;lq;fs;

jhgpf;fg;gl;Ls;s tpahghuq;fspd;

vz;zpf;if (Kiwrhuh Ez; + Kiwrhu; rpW

tpahghuq;fs;)*

(a)epWtg;gl;Ls;s nkhj;j

tpahghuq;fspd; %khf fpilf;fg;ngw;w

tpz;zg;gq;fs;**

(b)nkhj;j kf;fs; njhifapd; tPjkhf

ghjpf;fg;gl;l Ml;fspd;

vz;zpf;if***

tpfpjk;

(b)/(a)

Ratnapura 41,439 9.6% 21.6% 2.25Matara 40,417 7.1% 28.7% 4.04

Galle 44,944 6.2% 14.9% 2.40

Kaluthara 56,598 4.2% 15.0% 3.57

Hambanthota 29,856 0.6% 16.6% 26.67

*Nk 2017 nts;sk; kw;wk; kz;rupT> Jupj mdu;j;jj;Jf;Fg; gpe;jpa Njitfs; kjpg;gPL

**fl;ll Nrjk; kw;Wk; ,Ug;G Nrjk; Mfpatw;wpw;fhf SMEfsplkpUe;J 1.1.2017 md;Ws;sthW fpilf;fg;ngw;w tpz;zg;gq;fs; njhlu;ghf NITF,dhy; toq;fg;gl;l juTfspd; mbg;gilapy; tPjk; fzpg;gplg;gl;lJ.

***Nk 2017 nts;sk; kw;Wk; kz;rupT> Jupj mdu;j;jj;Jf;Fg;gpe;jpa Njitfs; kjpg;gPL kw;Wk; Fbj;njhif kw;Wk; tPLfs; kjpg;gPL 2012 Mfpatw;wpypUe;J juTfs; jpul;lg;ggl;ld.

nfhs;iff; Fwpg;G

gf;fk; 6Vg;upy; 2018

ngl;b 1: cupkk; ngw;w tq;fpfSf;fhd elj;ijf;Nfhitapy; nkhop tpjpg;Giu

2006 Mk; Mz;bd; 46 Mk; ,yf;f tq;fpj;njhopy; rl;lj;jpdhy; filrpahfj; jpUj;jg;gl;lthhwhd 1988 Mk; Mz;bd; 30Mk; ,yf;f tq;fpj;njhopy; rl;lk; tpahghuj;jpd; ve;jnthU mk;rKk; elj;jg;glNtz;ba

tpjk; njhlu;ghf cupkk; ngw;w tq;fpfSf;F gzpg;Giu tpLg;gjw;F ehzar; rigf;F mjpfhukspj;jJ. 2011 Mk; Mz;bd; 8 Mk; ,yf;fg; gzpg;Giu> thbf;ifahsupd; eyd;fisg; ghJfhj;jy;> thbf;fifahsUf;Fk;

tq;fpfSf;FkpilNa MNuhf;fpakhd cwTfisf; fl;bnaOg;Gjy; kw;Wk; tq;fpj;njhopy; Jiwapy;

thbf;ifahsu; cWjpj;jd;ikia cWjpg;gLj;Jjy; Mfpatw;iwf; fUj;jpy;nfhz;L> midj;J cupkk;

ngw;w tq;fpfspdhYk; filg;gpbf;fg;glNtz;ba xU elj;ijf; Nfhitia tpjpj;Jiuf;Fk; thbf;ifahsu;

gpufldnkhd;iw tpLj;jJ.

tq;fpj;njhopy; njupTfspdJk; NritfspdJk; epajpfSk; epge;jidfsk; toq;fg;glNtz;ba Kiwia

thbf;ifahsu; gpufldk; Fwpj;Jiuf;fpwJ

“tq;fpfsplkpUe;J jhk; ngw;Wf;nfhs;Sk; xt;nthU njupT my;yJ Nrit njhlu;ghd epajpfs; kw;Wk;

epge;jidfis ngw;Wf;nfhs;tjw;Fk; mtw;iw KOikahf Gupe;Jnfhs;tjw;Fkhd cupik thbf;ifahsUf;F

cz;L. ,J njhlu;ghf> cupkk; ngw;w tq;fpfs;:

m) “xt;nthU njupT my;yJ NritNahL njhlu;Ggl;l “epajpfs; kw;Wk; epge;jidfs;” thbf;ifahsUf;F mtu;fs; tpUk;Gk; nkhopapy; fpilf;fr; nra;ag;gLk;”

vd;gij cWjp nra;aNtz;Lk;.

tq;fpj;njhopy; kw;Wk; fhg;gPl;L ifj;njhopy; Mfpa ,uz;Lk; epjpj; Jiwiar; rhu;e;jitahFk; vd;gNjhL>

thbf;ifahsNuhL xU xg;ge;j mbg;gilapy; fUkkhw;Wfpd;wd. tq;fpj; njhopy; ifj;njhopypUe;J

xU cjhuzj;ijg; gpd;gw;wp>; mNjNghd;w xU tof;fj;ijf; fhg;gPl;L ifj;njhopypy; filg;gpbg;gJ ;

thbf;fiahsu;fs; Vkhw;wg;gLtjpypUe;J mtu;fisg; ghJfhj;J> fhg;gPl;Lf; ifj;njhopypy; nghJkf;fspdJk;

SMEfspdJk; ek;gpf;ifia Nkk;gLj;j cjTk;.

kw;Wk; 2011 Mk; Mz;bd; 3 Mk; ,yf;fr;

rl;lk; Mfpatw;wpdhy; jpUj;jg;gl;lthwhd

2000 Mk; Mz;bd; 43 Mk; ,yf;f fhg;gPl;L

ifj;njhopy; rl;lj;jpd; xOq;F tpjpfspdhy;

(RII) IBSL Msg;gLfpwJ.19 RII rl;lj;jpd;gb>

fhg;gPl;Lg; gj;jpuq;fisf; nfhz;bUg;gtu;fs; kw;Wk;

nfhz;bUf;ff;$batu;fs; MfpNahupd; eyd;fisg;

ghJfhg;gjw;F IBSL nghWg;ghf cs;sJ. fhg;gPl;L

gj;jpuq;fis itj;jpUg;gtu;fspd; eyd;fisg;

ghJfhf;F Kfkhf fhg;gPl;lhsu;fs;> jufu;fs;

kw;Wk; ,og;G nrt;itg;gLj;JNthu; MfpNahUf;F

gzpg;Giufs; tpLg;gjw;Fk; IBSLw;F rl;lk; NkYk;

mjpfhukspf;fpwJ. fle;j fhyq;fspy; IBSL fhg;gPl;Lgj;jpuk; itj;jpUg;gtu;fSf;F cupa

fhyj;jpy; fhg;gPl;L Mtzq;fis toq;Fjy;>

fhg;gPl;L tpsk;guq;fs; RII rl;lj;jpw;F mikthf

,Ug;gij cWjpg;gLj;jy; Mfpatw;iw

tpjpj;Jiuj;jy; kw;Wk; fhg;gPl;L Nfhupf;ifkPJ

cupa fhyj;jpyhd nfhLg;gdit tpjpj;Jiuj;jy;

Kjypa gzpg;Giufis tpLj;Js;sJ.

ntwpl;Nl upNrr; epWtdj;jpd; nghUshjhu Muha;r;rp mzp ,t;tha;tpid njhFj;jJ.

nfhs;if RUf;fk; tpDuh [arpq;ftplkpUe;J Muha;r;rp cWJizNahLk;> ntd;ah B rpy;thtplkpUe;J

gjpg;ghrpupau; cWJizNahLk; rr;rpe;j ngu;dhz;Nlhtpdhy; Mf;fg;gl;lJ. xl;Lnkhj;j Muha;r;rp kw;Wk;

gjpg;ghrpupau; Nkw;ghu;it Rghrpdp mNgrpq;f kw;Wk; eprhd; B nky; MfpNahupdhy; nra;ag;gl;lJ.

,t;tzp ,uj;jpdGup khtl;lj;jpy; fs Muha;r;rpf;F trjpNaw;gLj;jpaikf;fhf rg;ufKt tu;j;jfr; rq;fj;jpw;Fk;>

toq;fpa MjuT kw;Wk; fUj;JfSf;fhf ,yq;if tu;j;jf rq;fk; kw;Wk; gpuhe;jpa tu;j;jf rq;fq;fs; (gl;bay; fPNo) Mfpatw;Wf;Fk; ed;wp njuptpf;f tpUk;GfpwJ.

nfhs;iff; Fwpg;G

gf;fk; 7Vg;upy; 2018

E

1

constitution.pdf, [accessed on: December 2017].

2 Insurance Board of Sri Lanka, ‘Statistical Review 2016’, 2016, available at: http://www.ibsl.gov.lk/images/IBSL-AR%202016-Inner-21-59.pdf, [accessed on: November 2017].

3 Swiss Re, Sigma No3/2016, ‘World Insurance in 2015 – Steady growth amidst regional disparities’, (2016), available a:t http://media.swissre.com/documents/sigma_3_2016_en.pdf, [accessed on: December 2017].

4 Ibid.

5 -

6 Ministry of Industry of Commerce, ‘SME – National Policy Framework for Small and Medium Scale Enterprise Devel-opment’, available at: http://www.industry.gov.lk/web/images/pdf/framew_eng.pdf, [accessed on: January 2017].

7 Disaster Management Center, Ministry of Disaster Management, ‘Sri Lankan National Disaster Management Plan 2013-2017’, 2014

8 Insurance Board of Sri Lanka, ‘Statistical Review 2016’, 2016,available at: http://www.ibsl.gov.lk/images/IBSL-AR%202016-Inner-21-59.pdf, [accessed on: November 2017].

9 Op cit., Swiss Re.

10 Op cit., Insurance Board of Sri Lanka.

11 Census of population and housing in Sri Lanka 2012, available at:http://www.statistics.gov.lk/PopHouSat/CPH2011/

12 -

13 Op cit., Insurance Board of Sri Lanka.

14 National Insurance Trust Fund, available at: http://www.nitf.lk/ENGLISH/National%20Natural%20Disaster.html, [ac-cessed on: November 2017]

15 As per the SME National Policy Framework for Small and Medium Scale Enterprise Development (http://www. in-dustry. gov.lk/web/images/pdf/framew_eng.pdf) SMEs are categorised as follows: Micro Enterprises are enterprises that earn less than LKR 15 million annual revenue; Small Enterprises are enterprises that earn an annual revenue of LKR 16 million – LKR 250 million; Medium Enterprises are enterprises that earn an annual revenue of LKR 251million – 750 million.

16

nfhs;iff; Fwpg;G

gf;fk; 8Vg;upy; 2018

17 Information obtained from an application to receive information under the Right to Information Act No.12 of 2016 submitted to the Insurance Board of Sri Lanka on 4th October 2017 requesting “All documents containing information

was received on 10th October 2017 stating “No rules or any related documents have been issued by the Insurance Board

18 Monetary Board of Central Bank of Sri Lanka, ‘Banking Act Direction No.8 of 2011 – Customer Charter of Licensed Banks’, 2011, available at:http://www.cbsl.gov.lk/pics_n_docs/09_lr/_docs/directions/bsd/BSD_2013/bsd_LCB_Up_to_30_Nov_2013.pdf, [accessed on: January 2018].

19 Regulation of Insurance Industry Act, No.43 of 2000 as amended by Act, No. 27 of 2007 and Act, No. 03 of 2011, avail-able at: http://www.ibsl.gov.lk/images/RII-Act-No-43-of-2000.pdf, [accessed on: January 2017].

nfhs;iff; Fwpg;G

gf;fk; 9Vg;upy; 2018

gpz;zpizg;G 1

Mq;fpy ,izajsk;

rpq;fs ,izajsk;

jkpo; ,izajsk;

nfhs;iff; Fwpg;G

gf;fk; 10Vg;upy; 2018

gpz;zpizg;G 2