(1) Loan Disbursement, Sectors, Interest Rates, Repayment Strategies:

s'g} klg j:t' lgdf{0fsf] nflu ;xof]u kofpg] kIfnfO{ To; j:t'sf] tTj elgG5 . h:t} xfO{8f]hg / clS;hg ldn]/ kfgL aGb5 . oxf xfO{8f]hg / clS;hg kfgLsf tTjx x'g\ .x/]s j:t'sf] lgdf{0fdf To;sf tTjxn] 7"nf] e"ldsf v]n]sf x'G5g\ . To;}u/L jrt tyf C0f ;xsf/L ;+:yfsf] cfjZos tTjxdf To; ;+:yfsf] sfo{If]q, o;leqsf ;d'bfo - ;b:o _x, z]o/, jrt, C0f, n]vf / Joa:yfkg x'g\ . oL tTjxsf] cfjZos / k|efjsf/L ; +of]hgaf6 dfq Pp6f jrt tyf C0f ;xsf/L ;+:yfn] k"0f{tf kfp+b5 . dfly pNn]lvt tTjxsf] e"ldsf ;a}df plQs} dxTjk"0f{ ePtfklg C0f tyf C0f nufgL If]q (Disbursement) cToGt dxTjk"0f{ kIf xf] . lsgeg] ;+:yfdf k|fKt jrt tyf lgIf]knfO{ k|efjsf/L tl/sfn] C0f nufgL tyf kl/rfng u/]/ k|fKt x'g] Jofh g} ;+:yf ;+~rfng / k| utLsf] d"n cfwf/ xf] / of] g} ;xsf/Ldf ;b:ox ;\ul7t x'g] k|yd cfsif{0f klg xf] . ct+ ;+:yfsf] z]o/ ;b:onfO{ C0f nufgL ubf{ pgLxsf] C0f dfusf] cfwf/, dfu u/]sf] C0f lzif{s, lgj]bssf] k]zfut bIftf, ;fdflhs l:ytL, C0fsf] k|efjsf/L kl/rfng / cfDbfgL ug{ ;Sg] Ifdtf cflb d"Nof\g ug'{kb{5 . C0f nufgL ubf{ C0fsf] k|s[tL, kl/df0f / p4]Zo cg';f/ lwtf]sf] cfwf/ to ul/g] ePtfklg lghsf] C0f dfu u/]sf] p4]Zosf] jf cGo sf/f]af/sf] gub k|jfx ( Cash Flow) sf] d"Nof\g ug'{ klg plQs} dxTjk"0f{ x'G5 . C0f k| jfx ubf{ jrtsf] cfwf/df, ;fd"lxs hdfgLdf / lwtf]sf] cfwf/df ul/g] ePtfklg C0f lng] ;b:o jf lghsf] ;uf]n kl/jf/sf] ;b:osf] lwtf] g/fvL csf{sf] h]yfsf] cfwf/df dfq C0f nufgL ug'{x'b}g . lwtf] /flvg] 3/, hUufsf] cfwf/k|df0fx - h:t} gful/stf cg';f/ hUufwgL k|df0fk'hf{sf] gfd le8fpg' ,lt/f] /;Lb, 3/s/, uf lj ; / ;+lwof/sf] rf}x4L k|dfl0ft, gfkL gS;f, 3/ eP 3/sf] gS;f tyf gfkL gS;fcg';f/ 3/ hUufsf] cjl:ytL ;xL eP gePsf] :ynut gLl/If0f u/]kl5 ;a} b':t eP gePsf] oyfy{ k|ltj]bg sd{rf/Laf6 ;+:yfdf k]z x'g'kb{5 ;fy} lwtf]sf] t/ntfdf Psbd} ;hu /xg'kb{5 . k|jflxt C0fsf] kl/rfng jf/]df klg ;+:yfsf]
(1.1)
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Disbursement : .

C0f sfof{Gjog 6f]nLn] cg'udg ub}{ /xg'kb{5 . o;/L nufgL ul/Psf] C0f nufgL gLlt cg';f/ ;'/lIft / u'0ffTds x'G5 . (1.2) Sectors: C0f nufgL ubf{ o;sf] p4]Zo (Sectors) nfO{ ;+:yfsf] sfo{If]q, ;+:yfdf ;dflxt ;b:oxsf] k]zfJoj;fo, Joj;fosf] ;+efJotf / lj:tf/ cflbdf e/kb{5 . To;sf/0f ljQLo If]qdf clxn]sf] k|lt:kwf{sf] l:ytLnfO{ b[li6ut u/L ;+:yfdf ;b:o;+Vof a9fpg nufgL lzif{sdf ljljwLs/0f u/]/ cfsif{0f a9fpg'kg]{ x'G5 . o;} ;Gbe{df ljljw lzif{sdf k|jfxePsf] / x'g] s'n C0f /sdsf] e'QmfgL sfo{s|d cg'';f/sf] C0f /sd s"n jrtsf] k|s[lt / cjlw ggfg]u/L sfod ug'{kb{5 . o;n] ;+:yfsf] t/ntfsf] l:ytLdf ;d:of gcfpg] / lgodfg';f/ tyf cfjZostfcg';f/ x'g'kg]{ t/ntfsf] /sdnfO{ C0f k| jfxsf] bjfkmdf kg'{kb}{g . (1.3) Interest Rate: Jofhb/n] jrt tyf C0f ;xsf/L ;+:yf jf s'g} klg cfly{s sf/f]jf/ ug]{ a}+s, ljQLo ;+:yfnfO{ k|efj kfb{5 . lsgeg] ; +:yfsf] cfDbfgL e' g} Jofh xf] . ct k|jfx ePsf] C0fsf] Jofh kfpg'kg]{ -cfDbfgL+ _ xf] eg] k|fKt jrt tyf lgIf]ksf] Jofh lbg'kg]{ - vr{ _ xf] . of] Jofhb/ k|rlnt jhf/ Jofhb/sf] cfwf/df to x'g]ub{5 / k|bfg C0fdf lng] Jofhb/ / ;+:yfn] k|fKt u/]sf] C0f / lgIf]kdf lbOg] Jofhb/sf] cGt/ ^ eGbf a9Lsf] km/s u/fpg gkfOg] klg Joj:yf ul/Psf] 5 . pk/f]Qmcg';f/ tyf ;xsf/Ltfsf] cy{ g} ;fd"lxstf ;lxtsf] sfo{ ePsf]n] ;+:yfn] jrt, lgIf]k tyf C0f nufgL, Jofh lgwf{/0f cflb ljifoxdf cfjZos zt{, k|s[of tyf sfo{ljlwx ;fwf/0f;efaf6 kfl/t u/L nfu" x'g] x'+bf sfod /xg] Jofhb/ ;a} ;b:oxaf6 :jLs[t ePsf] Jofhb/ xf] . ;fy} lwtf] /fvL k|bfg ug]{ C0f eGbf ljgf lwtf] - jrtsf] cfwf/df _ lbOg] C0fsf] Jofhb/ @ b]lv # k|ltzt;Dd a9L lng] u/]sf] kfOG5 eg] ;dofjlwsf cfwf/df cNksfnLg - 5f]6f] _ cjlwsf] C0fsf] Jofhb/ t'ngfTdskn] a9L ;dosf] nfuL hfg] C0fsf] Jofhb/ eGbf a9L x'g] ub{5 . (1.4) Repayment Strategies:
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;+:yfsf] C0f c;"nLsf] k|efjsf/L /0fgLltn] g} ;+:yfsf] tLj|t/ ljsf; eO{ ;b:oxsf] a[xQ/ lxtsf] sfo{ ug{ ;Sb5 . k|jflxt C0fsf] Jofh dfl;s kdf c;"nL ug'{ g} ;+:yfsf] lbuf] ljsf;sf] nfuL e/kbf]{ cfwf/ df ;lsG5 . k|jfx ul/Psf] C0fsf] Jofh dfl;skdf afpgfn] C0f lnPsf ;b:oxnfO{ Jofh j'fPsf] ef/ kb}{g . ljh'nLsf] aLn, vfg]kfgLsf] aLn, 6]lnkmf]gsf] aLn ,ljBfno tyf sn]htkm{sf] jLn dfl;skn] a'fO{/x]sf x'G5f}+, a'fpg'kb{5 / a'fpg] afgL g} al;;s]sf] 5 eg] ltg'{kg]{ C0fsf] Jofh dfl;s kdf a'fpgnfO{ klg afgLsf]kdf ljsf; ug'{, u/fpg'kb{5 . k|bfg ul/Psf] C0fsf] Jofh / ls:tf ;doleq} c;"nL ug{ lgDglnvLt /0fgLltx ckgfpg'kb{5 C0f ;se/ - 5f]6f] cjlw _ ! jif{sf] x'g'kb{5 . C0fsf] Jofh dfl;s x'g] / C0fsf] lng] ;b:osf] /focg';f/ ;fjf ls:tf q}dfl;s, c4{jflif{s jf jflif{s - Pp6} _ u/fpg'kb{5 . C0f ln+bf ;+:yfsf] gLltut Joj:yfnfO{ :ki6;+u j'fO{ To;af6 x'g] kmfO{bf / l9nf] ubf{ =- C0fsf] efvf gfbf _ yk Jofhef/af/] klg atfpg'kb{5 . C0f k|bfg ePkl5 C0fsf] pkof]lutfaf/] klg cg'udg eO/xg'kb{5 . ;+:yfsf] sd{rf/Laf6 C0fsf] Dofb k'Ug], k'u]sf] /sd / afsL Jofhsf] d"Nof\g ;dLIff dfl;skdf u/L C0f c;"nLsf] sfo{s|d k| efjsf/Ltfsf ;fy ;+~rfng ug'{kb{5 . C0fsf] Dofb k'Ug' cufj} cl3Nnf] dlxgfdf ;doleq} C0f a'fpg] af/]sf] :d/0fkq k7fpg'kb{5 . efvf gf3]sf] C0fdf efvf gf3]sf] sf/0f kQf nufO{ hfoh dfu ePdf Jofh c;"nL u/L C0f gjLs/0f ul/lbg'kb{5 , h;af6 C0f lng] ;b:onfO{ yk Jofhef/ af]Sg gk/f];\ . ;+:yfdf C0f sf/f]jf/ u/L pTs[i6 k|utL ug]{ ;b:oxnfO{ sb/ ug]{ / o:tf] sb/:jk C0f ln+bf lwtf]df ;x'lnot jf C0f ;Ldfdf ;x'lnot klg x'g ;Sb5 . ;dodf C0f gafO{ C0f ln+bfsf] zt{ kfngf gu/L C0fsf] ;fjf, Jofhsf] efvf g3fPsf], C0f c;"nLdf ;b:o :jo+ lglis|o eO{ ;:yfdf ;Dks{df gcfpg] jf ;Dks{df cfpg grfxg] To:tf] C0f /
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;b:o ePdf c;"nLsf] cu|Ld k|s[of cl3 a9fO{ ;f]nfO{ lgisif{df k'ofpg'kb{5 .

(2) Marketing Schemes to market the Cooperatives in general and its deposits and products in particular. ;+:yfsf] ahf/Ls/0f cGtu{t cfgf] ; +:yfnfO{ sfo{If]qleq ;a} txsf dflg;xsf] ;xeflutf u/fpg' xf] . ;b:o ;+Vofdf j[l4 ug{ ;j}txsf dflg;x h:t} Jofkf/L, Joj;foL, sd{rf/L, lzIfs, s[ifs tyf ;j{;fwf/0fsf] ;xeflutf hlt a9\b} hfG5 k|fKt k"+hL tyf lgIf]knfO{ ljljwLs/0f u/L nufgL ug{ Tolts} ;lhnf] x'G5 . ;xsf/Ltfdf :jo+ ;b:ox g} pTkfbg, ljt/s tyf pkef]Qmf -#_ tLg kIf eO{ sfd ub{5g\ . To:t} Joj:yfkg k4tLdf ;+:yfsf] ljwfg, gLlt lgod lgdf{0f tyf lg0f{osf] ;Dk"0f{ sfo{, kfl/t lg0f{osf] sfof{Gjog / k| efjsf/Ltf, cg'udg / d"Nof\g, nfe / gf]S;fg cflbdf ;b:oxsf] ;xeflutf x'g] Joj:yfn] ;+:yfsf] k|fylds jhf/Ls/0f / Joj:yfkgsf] kl/rfng :jo+ ;b:oxaf6 x'G5 . ;f] k|fylds ahf/Ls/0fn] klxrfg u/]sf] ;do;fk]If jhf/sf] ;+efJotf / k|fyldstfnfO{ ;a} ;b:oxsf] dGyg / lrGtgnfO{ sfof{Gjog txdf n}hfg ;+:yfsf] ;fwf/0f e]nfaf6 kfl/t ljifox ;+:yfsf] gLlt / p4]Zo aGb5g\ . of] gLlt / p4]Zo sfof{Gjog ug{ u/fpg ;+:yfn] ljefuLo lhDd]jf/L axg ug]{ sd{rf/Lx lgo'Qm ub{5 hf] ; +:yfsf] lgb]{lzt p2]Zo sfof{Gjog u/fpg] lhDd]jf/ / e/kbf{ cfwf/:tDe x'g\ . ;+:yfn] cfgf] sfo{s|dnfO{ ahf/Ls/0f ubf{ lgDg s'/fxdf Wofg lbg'kb{5

-s_ ahf/sf] cfjZostf / klxrfg ;dod} PsLg u/L cfgf] k| fyldstfxsf] juL{s/0f ug'{kb{5 . -v_ ;+:yfsf] glhsdf /x]sf cGo ;dsIfL ;+:yfxaf6 k|jfx e}/x]sf ;]jf ;'ljwfxsf] klg cWoog ljZn]if0f ub} { cfgf] ;]jf ;'ljwfxnfO{ yk k|efjsf/L s;/L agfpg] / cGo yk sfo{s|dxaf/]df ;a} ;b:o, Joj:yfkg tyf sd{rf/Lju{ ;w} ;r]t, ;hu / tDtof/ /xg'kb{5 . -u_ ;+:yfsf] b}lgs sfo{s|d ;Dkfbg sd{rf/Laf6 x'g] x'+bf of] sfo{ lgs} k|efjsf/L x'g'kb{5 . sfdx bIftfsf ;fy lhDd]jf/Lk"j{s l56f] 5l/tf], ;a}k|lt c;n / g/d Joaxf/ k|b{zg ug'{kb{5 . ;+:yfn] cfgf] lgIf]k j[l4 ug{ ljljw sfo{s|dx Nofpg'kb{5 . lgIf]k j[l4sf]] ;DjGw nufgL /sd j[l4;+u x'G5 . nufgL hlt j[l4 eof] Jofh cfDbfgL a9\g uO{ ; +:yfsf] v'b cfDbfgLdf j[l4 x'G5 . ct ;+:yfn] lgIf]k j[l4 ug{ lgIf]knfO{ k|f]T;flxt x'g] cfsif{0fsf Kofs]hx Nofpg'kb{5 . lgIf]k / nufgL /sdsf] JofhaLrsf] cGt/ sd u/fP/ klg lgIf]k j[l4 ug{ ;lsG5 . C0f /sdnfO{ clws eGbf clws 6g{cf]e/ u/fpg ;Sgfn] of] cGt/ sd u/fpg ;lsG5 . lgIf]k /sd j[l4sf] Pp6f cfwf/ ;+:yfsf ;b:osf] jrt sfo{s|d xf] . h:t} lgoldt jrt, cfjlws jrt, kj{ jrt, P]lR5s jrt, v'q's] jrt cflb . o;/L jrtsf ljljw Kofs]h sfo{s|d ePh:t} C0f nufgLdf klg jhf/sf] cfjZostf cg';f/ pTkfbgzLn jf cfDbfgLd'vL If]qsf ljljw lzif{sdf ljljwLs/0f ug'{kb{5 .

(3) Other Plans You wish to share with us to grow the organisation in totality: ;'df pNn]v u/]h:t} Pp6f ;Ifd / ;jn ;xsf/L x'gsf] nflu ;b:o / ;d'bfo (Community and Members) - ;ls|o, sfo{If]q
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(Working Area) - ;+efjgfo'Qm, pRr z]o/k"+hL ( Share Capital ), 7"nf] kl/df0fsf] jrt / C0f ( Saving & Credit), l56f]], 5l/tf] / k|efjsf/L C0f / n]vf Joj:yfkg ( Loan & Account Management), k|efjsf/L Joj:yfkg tyf ;Ifd sd{rf/L x'g\ . oL ;+:yfsf cle c / k"/s kIf x'g\ . oL ;a} u'0f ( Quality) sf] b[li6df hlt pRrtd x'b} hfG5 kl/df0f (Quantity)sf] cfwf/df hlt 7"nf] cfsf/ (Volume) x'G5, ;+:yfsf] ljsf;sf] :t/sf] tx cfsng ug{ ;lsG5 . ;do;fk]If ef}lts Joj:yfkg, pko'Qm ;/sf/L gLlt ;+:yf k"0f{kn] ;Ifd, ;jn / ;d[4 x'g] k"/s cfwf/ xf] eGg] d]/f] wf/0ff 5 .