k

ȤK^hS7ƣ
Xd5Ɖ]DWhRh7WpiaDhd
iWF\‡_\jN° P
k
(ȤK^hSd^Dh^ȵ k 5dhed

[ҭ]S‡`]pƞ_rDW5yyZjKs\h`, Psĥa^hK[h:\e°Sh[aWFh5VjWF^
°
YsWW5
xz{z}{}z{z}|}€yz{z}|}€{YëW5
Z^
xz{z}|y}z
e-mail : md-gmfdcl@gujarat.gov.in

5
^hƧ˼Ž]iaD_hFWhRh 5 7WiaDhdiWF\
p
NHFDC)Y^ŽUhZhUWj
5 ° 5 lDh]_
iaD_hF9d\s\hN7\_\hȺ p
Ʌ lǛ\iV^hR]sKWh
MICRO-CREDIT SCHEME

̆ƨShaWh–

5 ƥ]ŠƈSB Ďh^h 8iTD 7Wp iaDhd ehTV^haWh^Ž ̆ɂiĂ

iaD_hF m BW̆^ŽS
p p D^ah \hN°
5 5 p
[h^Sd^Dh^Uah^h^hƧ˼Ž]iaD_hFWhRh7WiaDhdiWF\ Y^ŽUhZhU
NHFDC Wj
ƨThXWh D^ah\h5 8aj Jp 8 iWF\ iaD_hFsW
5 p S\Wh
p °
ƨa^sKFh^ \hNWh 7Wp 7ƛ]
p
8iTDdhedsW_sW k XhPŽWp deh] ĮX ZWp Jp iaD_hFSh
ȶ^Ž 5 V^haSj \sNh [hFWj
p
aƨSjWp S\Wj Ihɀk ^sĥWp NDhaj ^hEah\hN°  aVh^hWj ^sKFh^Ž \`aah
p p
S\K p
S\Wj
7Wp dh\hĥD KĮˆ^]hSs Wp XesIj a`ah dSSXRp WhWj ^D\Wj _sW KĮˆ^]hS XPSj
p p lZKWhWj^D\Wj_sWWjKĮˆ^]hSes]Jp XR
es]Jp F^ŽZ7W7iSF^ŽZ_sDsWȣ
p p ȣ lZK LPXTj 7Wp S\W
? _sW S\W p p V^
p ZpOh \`p Sp 8aƦ]D Jp Xh^Xˆ^D
5 p
^ŽS
EhWFjbhɆDh^s
k 5
-WhRhVj^Wh^h 5 k p
8ajȹ li\DhiW[haSh^ĜhJp X^ȱS\Ws8b] F^ŽZ
p p U_p S\ȵbscR
\hRdsW\UUĮXTahWZ p k5 D^ahWs^ĜsJp ȐWDh^RF^ŽZsWjŠƨTSj
p p 
7iSiaDNZWjF9
d\] KSh5 8 ̆Dh^ȵk 5 ɅǛ
k \ iV^hR dh\hĥD8iTD Xˆ^aSW
½ 7Wp iaDhd\h5
° p ?ɂd\Ĥ]KSh
\UUĮXZWjbDJ k5 5 SThGRjZVj^hƧ˼Ž]7WpӕS^hƧ˼Ž]d5ƨThB
m Ҫ
^hƧ˼Ž]ȢSZDsdˆeS 5 ° k S\WdtƠ]
EhWFjVj^Wh^hBWjWhFȧ lP\hTjJsPhaahWheȱTj p p
k
̆Dh^ȵk 5 8iTD iV^hR Kȿ^Ž]hSW
p  XeҭIja`ah \sNs Ƀ lƛ]haDhb ̆aS
½ p Jp  7Wp 8
ZhZS ƚ]hW\h5 ^hEj NHFDC ? Ʌ lǛ\ Vj^hR ]sKWh 7\_\h5 _haahȵk5 WïŽ DȻ¿ k Jp 
p 5 l
ȐWjiaFSsWjIYD^hB\h^ȩD^h9Jp

Disabal Persons Micro financ Schme Page 2 of 13

 5
]sKWhWh\eƗaȶ k -_ëRs
lR½-ȺƉ]

y ° -
_sWWseȱ k5
5
iaD_hFsWh ½ p S\Wj
WZ`h aFW p ^sKFh^Ž aVp Saj
p m  bĮ D^ah WhRhDŽ]
̆ɂiS
iV^hR ȶ lȿk XhPahWs Jp 8aD ;[j D^ah \hNWj
° m
;Uhe^R ĮX ̆ɂiSB WjIp ȺKZ
k
FRhajbDh]
5 aXh^

yWhWhVVh p
k ° p -̆ɂiS

z7iSWhWhȢˆN^;ČsFDdah m

{D_hDh^ŽDh\
p p m

|ESj7Wdeh]D̆ɂiSB
p p m

}Xˆ^aeWë́Wj̆ɂiSB

z k5
_sWȵ̆\h R–

y °
\h9˲s˲PŽN °
]sKWh eO` 5 Th(NGO) Wp ƥ]ˆDSFS iaD_hF
_sWWj ^ĥƨNP½ dƨ 5
5 l
_h[hT˜BWpiaD_hFWhƨadeh]ȩTsW p djVp -djVj_sWS^ŽD° iV^hR8Xah\h5
p p 
8aJ

z Ds9XR NGO Wp 8Xah\h5 8aWh^Ž _sW Į} _hEWj \]hUh\h
½ 5 ^eb
° p S\
p JSh5
p p
8ahNGO WS\Wj k ° ½ _sWWs;X]sF
8F`WjDh\Fj^ŽX^SȧDaRjWs^DP
p °  ƚ]hW_9W
aF^ p pWaj_sWY^ŽTj8XjbDhbp X^ȱDs9XRd\]8aj_sW
5 k p
k
ZhDŽ XPSj Ⱥͯ_ ^D\ ȐSp NGO Wh Wh\p Į} _hETj aVp Weӄ Sp ^ŽSp iV^hR
5
8Xah\h8ab p

{ p _h[hT˜Wp 8Xah\h5 8aWh^Ž _sWWj \eĂ\ ^D\ Įz} eĤ^ ɅVjWj
̆Ɨ]D k
5 ° p
\]hUh\h^eb
½
5 k p iV^hR\hN°yxx%NDh_sWȶ^ŽXhPah\h8ab

|NHFDC̃h^h\ȩ^D^h]_ k 5 p

{ p
ƥ]hK7WġNJhN-a`S^-

y ° p
_h[hT˜?ȧ lDaahWhƥ]hKWsU^}% ̆iSac½^eb

z p
NHFDCiWF\Wahic ° p F\dƨ
Dz% Wsƥ]hKWhU^_sW8XbiW 5 ThWp{%8Xbp

{ dƨ k k
5 Thȶȿc_h[hT˜W
p }%ahicDƥ]hK7Wp \ˆe_h_h[hT˜Wp |%ahicDƥ]hKWh
U^°_sW8Xbp

Disabal Persons Micro financ Schme Page 3 of 13


| p p k ° p–
_h[hT˜W_sW8XahXh́ShWjIȺKZ^eb

y k
_h[hT˜ ȤK^hS  ^hK]Ws iWahdjaSWj esah Ks9? STh |x%D° STj
p aȴk
5
iaD_hFShV^h aSsesahKs9?

z °
8 ]sKWh eO` p
iV^hR \`aWh^ k
_h[hT˜Wj DtȬ‡ZD ° 
ahicD 8aD be^Ž
iaƨSh^\h5 \hN° Į} _hETj WjIp 7Wp ˴h\jR iaƨSh^\h5 Į{ _hETj BJŽ esaj
Ks9?

{ p
_h[hT˜WjӘ\^y€Tj~xac½WjaƍIesajKs9? 

| p ° °
Ȑ_h[hT˜WDƛ̃D^hԌ] 5
d^Dh^7TahWhRhDŽ]dƨThƚah^h p p
_sW\`a_es]
p p p
7Wp SWhWh\S_sWZhDŽZs_Sjeb pSahW8\hNXh́FRah\h
p p ° 5 WeŽ8ap

} p k
7^KUh^ZIS7Wƨadeh]ȩTWsiW]\jSdƟ]es asKs9?

~ p 5
Ęj_h[hT˜BW7˴Sh8Xah\h8ab p

 k
;XȻƈS Ȑ ƥ]adh] \hN° iV^hR \`aah
p 5
\hFSh es] Sp ƥ]adh]Ws ȶ^Ss
k
k
7ȵ[a 7Wp _hȤk XPȱk es] Sp ƥ]adh] \hN° bqë‡RD-Sh́jD
5 _h]DhSV^haSh
esahKs9?


} NGO \hN°Xh́ShWhVs^Rs-

y NGO Wj WҭVRj BJh\h5 BJh ́R ac½ Xe_h
° 5 T]_j
p esaj Ks9? 7Wp dh^Ž
p Į^ŽJp 
̆iSƧOhV^haSjes]SK

z °
Ȑ NGO \h9˲s˲PŽN ]sKWh\h5 iV^hR \`aah
p p
 9ƍJh V^haSj es] SWs p 
;Ćb
5
iaD_hFƥ]ŠƈSB \hN° dh\hĥD7W8iT
p ° k
DKĮˆ^]hSs\hNɅiaVh;[jD^ahWs
p
es]SKĮ^ŽJp

{ 5
NGOKĮ^Ž _h]DhSah`h ƥ]adhi]D ë\Sh V^haWh^WhRhDŽ] ̆ZVWWj
k  8aPS 7Wp iV^hR Dh]˲\Wh
Ⱥ l`ȹS ½ 7\_jD^RWp 8]sĥS D^ahȵk 5 Dtbƣ]
5
V^haWh^hesahKs9? a`ŽdIh_WiaƨSh^s\h 5 S\Wsdahƥ]hXXesIV^haSh
p p
esahKs9?

| 5 ThdƟ]sDs9XR^hKDŽ]Xë\hȧ
7^KUh^dƨ 5 lNh]_dƟ]Wesah
p Ks9?

} 5
dƨTh Xhdp ˆedhZs ^hEahWj ]sƊ] XƚViS esaj Ks9?ˆedhZsȵk
BPŽN Tɂk5 Ks9? 7Wp 8ah BPŽN ƚah^h ˆedhZs\h5 Ds9 F[j^
5  7iW]\jSSh
° p p
UEh98a_jWes]S\KˆedhZs̆DhibS p esahKs9?
T]_h

~ 5 k
d5ƨThWs aˆeaN Sȳ^ƨS ̆Rh_j Tj Ih_Ss es] ZIS 7Wp iV^hR ƥ]aƨTh\h5
5
BJh\hBJśRac k
½ Ws7ȵ[aes] p ½ 5 k
 Jƣ_h́Rac\haɅ_hS ° p
x% DSTj
7iVDWsesasKs9?

Disabal Persons Micro financ Schme Page 4 of 13


~Ĥ\jWFj^ŽӔFp

y Ұ p
ZheV^ŽZhZSiWR]D^ah
½ k p 5 p p l 5 k T]_
SCA ȺDSebJShS\RȢ_\ȩ^ p [Ps`Wh
5
p 5
BJh\hBJhz}% ȐN_jF^NŽWj^D\ °
FDR S^ŽDFj^s p

Ɯ_K\h5\`aahWj
° pȐ NGO Xhdp Tj \`a_j
^eb p p °
NHFDC \hNWj 5
d\hS^ p
Ĥ\jWFj^Ž
Ds_N^_
k
idɉ^ŽNŽ 5
FRah\h8ab p

5 k

[Ps`ȶĮXh PahWjS^he
°
NGO \hNiaS^RD^ah̆DƣXEIWj
½ yxx% ^D\NHFDC ƚa^hSCA Wp \`]pTj
5 ThWDƨ
dƨ k
p ° adeh]ȩTsW
p ȶ^ŽXhPah\h8ab
k 5 p

€ p
_sWWj^D\WsaX^hb7WaR p p
aX^h]__sWWX^SD^aj –

y k Wp \ȩ^
_sW iV^hR NGO/ƨadeh] ȩT 5 k D^hȻk es] SWs 5 k D^h]_
p \ȩ^ p iV^hR
\]hUh\h
½ 5 KĮ^ XP° Sp ȺKZ
k  ;XhP D^Ž bDhbp dh\hƛ] ^ŽSp ;XhP D^ahWs
° p
d\]Fh`syacWs^eb
½

z NHFDC ̃h^h d\] \]hUh
½ aVh^ah\h5 W 8a_
p  es] Ɨ]h^°  ̆T\ ;XhP[Ps`
5
5 k T]hWhy\ˆeWh\hD^Ž_ahWs^e
\ȩ^ 5 p ° p Ks8ȺKZWj
b k k
iV^hR̆ˆ˲]hIhɀWeӄ
p 5 l
D^h]SsGMFDCLSWj\ȩ^Ž^U p 5 ° k 
D^ahD° iW]\s7Wb^Ss\hY^Yh^D^ahȺƈS
° p
^eb

{ k \hN;X_ƞVD^h]_[Ps`ġȬD]hWjSh^ŽE
NGO/ƨadeh]ȩT ° p 5 k5 ½ TjxˆUadWh
d\]\h5 SWs
p 5
° pSCA 8 YPWh
;X]sF D^ahWs ^eb  aX^hbȵk5 ̆\hRX́ iW]S
Ys\±N\h5 ^ȩk D^ahȵk ^eb
° p 7Wp Ds9XR Dh^Rd^ aR aX^h]_
p  [Ps
5 `
5 l 5 KRha_
\ȩ^ŽX́\h p  aX^hbWh d\] Wj ȺĆS
k  ȶ^Ž
k T]hWh XU
5 ^ ˆUad\h5 X^S
° k 5 ° p
D^ŽUahȵ^eb

| p [Ps`
aR aX^h]_ 5 Ks Sh^ŽE ̆\hRp GMFDCL Wp X^S Weӄ D^ah\h8a
5 p Ss
p
SWj ;X^ z%Wh ahicD U^° UPWj]
5 ƥ]hK 8Dh^ah\h5 8abp 8 U^aX^hb
k
d\]Wj ȺĆS ZhUWh x ˆUad \hN° dh\hƛ] ƥ]hK U^ ;X^hS
5  ^eb
° p 7Wp Ɨ]h^
p
ZhU aRaX^h]_Wj p p X^S W D^h] Ɨ]hɅVj
^D\ ;X^ SW 5 k  z% ȵk ahicD U^
k
ȺKZ k5 5 k 5
aVh^hȵUPWj]ƥ]hK_hȤD^ah\h8ab p

Disabal Persons Micro financ Schme Page 5 of 13


 X^Sȧ lDaRj-

5 ° p yzd^Ehí\hidDeƜShB\h5 ́Rac\h
GMFDCL \hTj;XhP_N\_sWW
½ ½ 5 X^S
° p N\½ _sWWh eƜSh 7Wp SWh
D^ahWj ^eb p k  {x
;X^ȵk ƥ]hK U^ ac± {x ȩW
°
dƜNƠZ^ p
 {y PŽdƠZ^ 7Wp {y \hI± D° GMFDCL  Ďh^h WïŽ D^h]_
p 7ƛ] Sh^ŽEs
k k ° p *0)'&/W[^ahWheƜShWhd\]\h
ȺKZX^SȧDaahWh^eb p 5 ~ˆUadsWs˴d
p
5
iX^Ž]P8Xah\h8ab p

yx k k
ȵDbhWjWjȧDaRj -
p k
*0)'&/WȧDaahWj k

ȺUSSThƥ]hK k 5 p k \hN°  ȵkDbhWj
X^SȧDaRj\hD^h]_DɅ^
p °dh\hƛ]ƥ]hK;X^hSahic
XN 5 ° k
DzWhU^^D\aɅ_D^ah\h 5 8abp

° ° k

yy ZQSjDSh_j\\hN7ȵUhW -
° p
NHFDCĎh^h1*2\hN;X_ƞVD^ha__sWWjĮ k 
y_hEWhƞ_sDȺKZ
Įzxxx ȵk 5 7ȵUhW
k k
ȧDab p 1*2 Ďh^h 8 ^D\ _h[hT˜BWh Sh_j\
p
B^Ž?ƛN° bW\sNŽabW 7Wp ë\Sh iW\hR
½ \hN° S\K
p k
ƨadeh] ȩTWh 8]sKW
m iW\hR
ĤȤiS ½ 7Wp aeŽaNŽ EI½ \hN° aX^hb
p 1*2 Wp 7ȵUhW
k °
\hNWj ^D\ ;X^
Ds:^D\\]hUhWTj
½ 

yz ˆedhZjIsXPhIDhdRj-

k k 5 5 p k ˆedhZs?NGO/ƨadeh]
*0)'&/Ďh^hȶȿXhPah\h8aSh[Ps`ӔFWhȩUh
k p ^hEahWh ^eb
ȩT ° p NHFDC Wh _h[hT˜B Ȑ ɅkǛ\ iV^hR   ]sKWh eO`Wh
° es]
k p D^ahWj ^eb
XR SXhdRj NGO/ƨadeh] ȩT ° p 7Wp Sp ӔFWh
p í\hdjD ̆FiS
°
7eah_ ^ȩk D^ahWh ^eb
° p 7ƛ] Ds: \hˆeSj XR K]h^° KĮ^ ebp Ɨ]h^° 7Wp 
5
\hFah\h 5 8apƗ]h^8XahWj^eb
° ° p

y{ p ° ̆ˆ˲]h-
_sW\`aah\hNWj
k 
6HG \h:˲s˲ˆPN
Ȑ NGO/ƨadeh] ȩT ° ]sKWhWh 7\_\h5 ȺDah
k :ƍĠD es]
k ?WjIȺKZWjiaFSsƚ
7WpSp Wh Ďh^hƥ]ŠƈSFS1*2ƨadeh]ȩTs p k p p 
]hW_aj

y k
NGO/ƨadeh] ȩT p
? 7́Wh iWF\Wj iW]S WȺ lWh\h5 _hȤXPSh
k p
UƨShaĥ
k p D^ahWj^eb
dhViWDDhF`sdˆeS7^ĥ‰Kƣ_hd\hKɅ^ëh7iVDh^Ž̒jW ° p

Disabal Persons Micro financ Schme Page 6 of 13


z 8aj 7^ĥWj iWF\ Ďh^h IDhdRj 7Wp E^h: D^ah\h5 8abp 1*2 Wj 8
]sKWhWp I_haj bDahWj ë\Sh 7Wp _h[hT˜BWj d5Ɖ]h S\K
p 5
[Ps`Wj ^D\s
p ° d[
aF^ 5 h`Ž bDahWj ZhZSp 1*2Wj ]sƊ]ShWj IDhdRj D^ŽWp iWF\ XsShWj
p p
^ŽSEhS^Ž\`ab p

{ iaD_hF l D° _h[hT˜BWp WhRh5 iV^hR D^Ž bDh] Sp

5 ƥ]ŠƈSBWh ƨadeh] ȩT
° k 6&$Ďh^U^D
eȱTj ° 1*2WĮ
p z_hEɅVjWj_sW8XjbDhb
k p

| ° °
Į z_hETjaVh^^D\\hNWj ½
1*2Wj_sW7^ĥWjIDhdRjD]hZhU iWF\
p 5 l °
NHFDCW\ȩ^Ž\hN\sD_b p p p 5
SdhTdZiVS 1*2WjbhEiaĖWj]ShWsE^h:
° p ° p
7eah_7W[_h\R\sD_ahWh^eb

Disabal Persons Micro financ Schme Page 7 of 13

 k
ȤK^hS7ƣ
Xd5Ɖ]DWhRh7WpiaDhd
iWF\‡_\jN° P
k
(ȤK^hSd^Dh^ȵ k 5dhed

[ҭ]S‡`]pƞ_rDW5yyZjKs\h`, Psĥa^hK[h:\e°Sh[aWFh5VjWF^
°
YsWW5
xz{z}{}z{z}|}€yz{z}|}€{YëW5
Z^
xz{z}|y}z
e-mail : md-gmfdcl@gujarat.gov.in

5
^hƧ˼Ž]iaD_hFWhRh 5 7WiaDhdiWF\
p
NHFDC)Y^ŽUhZhUWj
5 k
iaD_hFdȺUh]Wh8iTО ° k5
DiaDhdWj]sKWheO`\h:˲sYh:Whƛd]sKWhȵ7^ĥX́D
k p
iaWhȺƣ]

_sWWj^D\_________________
5
dƨThWjWҭVRjW _5 ________________
Sh^ŽE-__________________________

y 5 k5
dƨThȵWh\ ____________________________________________________________

5 k5
z dƨThȵX́ƥ]aeh^ȵd^WhȺ k k 7WYsWW
p 5 -----------------------------------------


5 k
{ dƨThȵDh]ë́ ½ p
iaƨSh^:-______________________________________________


5 WjȺƉ]
| dƨTh k m p
̆ɂiSB7W;ȳp
u bs--------------------------------------------------

5
} dƨThWj 5
dIh_Wdi\Sj °
:-
U^DdƟ]s 5 ƥ]adh]esĆsYsWWZ^
WhWh\d^Wh\hVVs 5
WjiaFS‡ZPhR-y\h8Xaj

5 ̃h^hdjVh_h[hT˜WiV^hR8Xah\hFJSWjiaFS
~ dƨTh p 5 p p p -
k

‡ZPhR-zȺKZiaFSs[^aj 

 dƨTh l \h^YSiV^hR8Xah\hFJSWjiaFS
5 ƨa-deh]ȩT p 5 p p p :-
k

‡ZPhR-{ȺKZiaFSs[^aj 

Disabal Persons Micro financ Schme Page 8 of 13

 p
€_sW_Wh^dƨTh k
5 ƨadeh]ȩTWh 5 ° Ҫ p p
dƟ]s?7ƛ]dƨThDZDXhdTjiV^hR\`a p_es]
p
SsSWjiaFS p k k
WjIȺKZ^ȩD^aj 

y 5 ° Ҫ p p p p k5
dƨThDZDXhdTjiV^hR\`a_es]SsSȵWh\ -''''''''''''''''''''
z iV^hRWj^D\'''''''''''''''''''''''''''''''''''''''''''''''''''
{ °
k VVs
_sWWseȱ 5 ''''''''''''''''''''''''''''''''''''''''''''''''''''
| _sWWjZhDŽ^D\''''''''''''''''''''''''''''''''''''''''''''''''
} k °
aɅ_hSiW]\jS[^_Jp ?
ehWh''''''''''''''''''''''''''''''''''''
~ IPS^D\'''''''''''''''''''''''''''''''''''''''''''''''''''''

5 p ° k p VVs
dƨThXhdDƨadeh]ȩTsXhd 5 ƥ]adh]WhiaƨSh^7WpaɅ_hSWjDh\Fj^Ž
k \hN°
4
D\Ih^ŽFRWjiaFS 

y k
ɅX^ah:L^ƨNhY 5
WjdƉ]h ''''''''''''''''''''''''''''''''''''''''
z 5
YŽƣPƨNhYaVh^hWhDh^ŽF^sWjdƉ]h ''''''''''''''''''''''''''''''''

;X^WjDh\Fj^Ž\hN°d^^hb
° ° k
XFh^\eWShȰ8XShes p
]SsSWjiaFS _Eaj
'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''

4 p p k ° p
yxYs\WjdhTWjIȺKZWhdhViWDDhF`s\sD_ahWh^eb

y °
^ĥƨ˼bW̆\hRX́Wj̆\h‡RS k _WҭVRjdˆeSWƈ_SThdƨThWhZVh^RWj

ˆ^ƛȻ7 5 5
k p

ƨadeh]ȩTsWZIS 5 ° k p k WDɀu
iV^hRWheȱBdhTȵ
z p 4 p
Jƣ_h́RacWhBˆPNT]_ahicО DˆedhZsWj̆\hRjSWƈ_sWDɀu 
{ Ҫ 5 k5 k5 p k5 5 '''''''''''''''''''''''STh
ȐZD\hdƨThȵEhȱes]SȵEhShW
Ҫ k
ZDbhEhȵWh\''''''''''''''''''''''''''''''
| p 5 5 5 p 5 p
iWF\\hTjiV^hR\`aahdƨThWhdIh_D\P`WhdƟ]s̃h^hZOD\hD^ah\h8a_
°
O^haWjWƈ_
U^DdƟ
]sWhWh\deŽdhTp
} p 4 p k
Jƣ_h́Rac\h8X__ȴiV^hRWjiaFS_h[hTРBah^
‡ZPhR-|\h8Xɂk5
~ d^Dh^Ž7Vd^Dh^Ž
½ ° °
EhShDiaUbjWhRhDŽ]_sW p p p
deh]\`a_es]SsSWjiaFS

Disabal Persons Micro financ Schme Page 9 of 13

 ?D^h^
k 5 '''''''''''''''''''''''''''''''''''''''''''''''''''''''Eh́j8ȶk
Ɇ

Wh\SThesĆs
° p p
ĠD7^ĥX́D\hSThdhViWDDhF`s\h_Eah\h8a_eDŽDSs7WӕDPhB
p 5 °
dhIh7WdƨThWh^DsPdh p
TZ^hZ^Jp

deŽ'''''''''''''''''''''''
Wh\'''''''''''''''''''''''
Sh^ŽE- 5 k 5
dƨThWhȺƉ]dIh_D
idDDhdˆeS

l 
‡ZPhR-y
WȺWs

5 ° 4 k
dƨThWhesUUh^sWjiaFSUbhaȱX́D

˲Ⱥu Wh\7Wpd^WhȺ k 5 esĆs V5Vsƥ]adh] D° N_h dX5D½\hN°  Ds:^hKDŽ]

d\]TjesĆs N° ‡_YsW XëdhTp
Vh^RD^° _ W5\sW5 d5D`h]p_es]
Jp SsSpWjiaFS

y
z 
{
|
}
~


deŽ'''''''''''''''''''''''
Wh\'''''''''''''''''''''''
Sh^ŽE- 5 k 5
dƨThWhȺƉ]dIh_D
idDDhdˆeS

Disabal Persons Micro financ Schme Page 10 of 13

 l 
‡ZPhR-z
WȺWs

°

be^ŽSTh˴hi\R7^KUh^sWjiaFS7_F7_FZShaaj

iaƨSh^ _sW_pWh^ȵ k 5Wh\d^WhȺ k Ә\^ k \eŽ_h

ȶĮc ĤiS
7ȵk
k
Ʌ‡ISĤiS k k
7ȵɅ‡IS
KW

y
z 
{
| ĤiS7ƛ]XJhSdh\h
ƛ]7ƣXd5Ɖ]
 D

}
˴hƠ] 7Tah
be°^Ž

iaD_h5FShWs iaD_h5FSh _sW\p`aWh^Wj k

V5Vhƥ]adh]ȵWh\ k
_sWWjɅ‡Iȱ u ^DȺu
̆Dh^ WjNDhah^Ž
ahicОD8aD d^WhȺk 
yx

~ 

€

deŽ'''''''''''''''''''''''
Wh\'''''''''''''''''''''''
Sh^ŽE- 5 k 5
dƨThWhȺƉ]dIh_D
idDDhdˆeS

Disabal Persons Micro financ Schme Page 11 of 13

 k k
l 
_hȤXPȱes]Ss
‡ZPhR-{
WȺWs 
y k k5
ƨa-deh]ȩTȵWh\ -_______________________________________________________
z k
ƨa-deh]ȩTWjƨThXWhSh^ŽE______________________________________________
{ k 5
ƨa-deh]ȩTWhdƟ]sWjdƉ]h-SThiaFSs_______________________________________
k
| ƨa-deh]ȩTWj Ҫ
ZDEhShW 5 STh''''''''''''''''''''''''''''''''''''''''''
Ҫ k5
ZDȵWhȺ '
u ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''

iaƨSh^ _sW_pWh^ȵ k 5Wh\d^WhȺ k Ә\^ k \eŽ_h

ȶĮc ĤiS
7ȵk
k
Ʌ‡ISĤiS k k
7ȵɅ‡ISKW
ĤiS7ƛ]XJhSdh\hƛ]

y
z 
{
| 7ƣXd5Ɖ]D

}
˴hƠ]7Tah
be°^Ž

iaD_h5FShȵ k 5 iaD_h5FSh _sW\p`aWh^Wj V5Vhƥ]adh]ȵ k 5Wh\ k

_sWWjɅ‡IS^DȺ u
̆Dh^ WjNDhah^Ž
ahicОD8aD d^WhȺk

yx

~ 
 
€

deŽ'''''''''''''''''''''''
Wh\'''''''''''''''''''''''
Sh^ŽE- 5 k 5
dƨThWhȺƉ]dIh_D
idDDhdˆeS

Disabal Persons Micro financ Schme Page 12 of 13

 l 
‡ZPhR-|
WȺWs
p 4 5 5 p p k
Jƣ_h́RacU^i\]hWdƨTh̃h^hiaD_hFsW8X__ȴiV^hRWjiaFS

˲\ ac4 l
Ȣ_ l
Ȣ_iV^hR °
d^^hb k
aɅ_ k
aɅ_hSWj
_h[hTРB iV^hR p
8a_ NDhah^Ž
_h[hTР ^D\
UŽO

y
z
{
|
}


~

° 4 k p p
d5ƨThWh^DPȺKZ;X^WjeDŽDSdhIj7WE^ŽJ

Sh^ŽE deŽ'''''''''''''''''''''
Wh\-'''''''''''''''''''
esĆs'''''''''''''''''''''

Disabal Persons Micro financ Schme Page 13 of 13