2 fudähq,h ( .Kqfokqlrejkaf.a iQodku

CIQø uQ,H yd wdmod l<ukdlrKh

SLIDE 2 OF 22 – MODULE 2: CLIENT PREPAREDNESS

wruqKq

wjfndaOh lr.; hq;= lreKQ :

•iajNdúl wdmod u.ska ¦mam;a ck;djg jk n,mEu •Tjqka wdmod l<ukdlrKh i|yd fhdod .kakd l%fudamdhka

•Tjqkaf.a wjodku wvqlr .ekSug Wmldr jk uQ,H ksIamdok

SLIDE 3 OF 22 – MODULE 2: CLIENT PREPAREDNESS

ud;Dld

1. ¦mam;a ck;dj uqyqK fok ndysr lïmkhka

2. ndysr lïmkhka ksid Tjqkaf.a wd¹:_lhg is¦jk n,mEu

3. ¦mam;a ck;dj úiskaa ke.S isàug Wmfhda.S lr .kakd wd¹:_l l%fudamdhka

4. .Kqfokqlrejkaf.a wjodku wvqlsrSug fhdod .; yels uQ,H ksIamdok

5. wdmodjkag iQodkï ùu i|yd uQ,H ksIamdok ixj¹Okh lsrSu

6. idrdxYh

SLIDE 4 OF 22 – MODULE 2: CLIENT PREPAREDNESS

1. ¦mam;a ck;dj uqyqKfok ndysr lïmkhka

mqoa.,slj•wikSm ùï$mjqf,a idudcslhka yg is¦jk wdndO ^úfYaIfhkau mjqf,a

uQ,sl wdodhï Wmhkakd yg&•mjqf,a idudcslfhl=f.a urKh ^úfYaIfhkau mjqf,a uQ,sl wdodhï

Wmhkakd yga&•fidri;=re Wj¦re•.skss wdmod•fjk;a wdmodjka

iudcSh•iajNdúl úm;a – kshÛ” ¦¹NsCI” N+ñ lïmd” .xj;=r” iq<siq<x” .sKsl¦

msmsrSï” iqkdñ wdosh’

SLIDE 5 OF 22 – MODULE 2: CLIENT PREPAREDNESS

2. ndysr lïmkhka ksid ¦mam;a ck;djf.a wd¹:_lhg jk n,mEu

isoaê wOHhk wNHdih :1’ w;a m;%sldfõ we;s úia;rh lshjkak

2’ yosisfha we;sjQ .xj;=r ;;ajh “iska” (Singh) mjqf,a whf.a wd¹:_lh u; flfia n,mdkafkao @

SLIDE 6 OF 22 – MODULE 2: CLIENT PREPAREDNESS

wd¹:_l n,mEu (2)

1. wdodhï bmehSug we;s yelshdj ;djld,slj ke;s ùu• fiajlhd fyda mdrsfNda.slhd u; wdmodj ksid we;sjQ n,mEu• fj<| f;d. úkdY ùu

2. uQ,sl úhoï jeäùu• iemhSfï ysÛlu ksid wdydr ñ,” bkaOk ñ, jeäùu• fi!LHdrCIs; lghq;= yd Bg wod, wfkl=;a úhoï

3. wdodhï W;amdokhg fhdod .kakd j;alï j,g w,dNydkS ùu fyda úkdY ùu

• fNda. j.djkag” i;aj md,khg fyda WmlrK j,g is¦jk w,dN ydkS$úkdY ùu

4. ksjeishkaf.a j;alï w,dNydkS ùu fyda úkdY ùu

SLIDE 7 OF 22 – MODULE 2: CLIENT PREPAREDNESS

3. ¦mam;a ck;dj úiska kÛd isàug Wmfhda.S lr.kakd wd¹:_l l%fudamdhka

isoaê wOHhk wNHdi:m%n, .x j;+r ;¹ckh ksid mSvdjg m;ajq isx (Singh) mqjf,a ksjeishka” tu.ska Tjqkf.a wd¹:_lh u; we;s jq n,mEu uev mj;ajd .;af;aa flfiao @ Tnf.a ms<s;=r my<“ uOHu yd by< wd;;s ;;ajhka uev mj;ajd .ekSfï hdka;%K f,i j._ lrkak

SLIDE 8 OF 22 – MODULE 2: CLIENT PREPAREDNESS

CIQø uQ,H wdh;k u.ska Tjqkaf.a .Kqfokqlrejka by, wd;;s ;;ajhkag uqyqKoSu j,lajd .ekSu ioyd uQ,H ksIamdok m%odkh l, hq;=h

my<“ uOHu” iy by, wd;;s ;;ajhka uevmeje;aùfï hdka;%K (1)

my< wd;;s ;;ajh mrsfNdack rgdj

uola fjkia lsrSu whjeh ieliSu iqÆ Kh ,nd.ekSu rCIKdjrKh ,nd .ekSu

uOHu wd;;s ;;ajh b;srslsrSï Ndú;h w;HdjYH fkdjk j;alï úlsKSu ñ;%hkaf.ka fyda mjqf,a

idudcslhkaf.ka uqo,a ,nd.ekSu

/lshd i|yd ixl%uKh ùu wÆ;a /lshd ud._ j,g wkq.;

ùu

by< wd;;s ;;ajh M,odhS j;alï úlsKSu Kh fkdf.ùu mrsfNdack

wjYH;djhka m%n, f,i iSud lsrSu$wvq lsrSu

SLIDE 9 OF 22 – MODULE 2: CLIENT PREPAREDNESS

fuu l%fudamdhka u.ska ksjeishka u; we;sjk msrsjeh iy n,mEï fudkjo @

•mrsfNdackh wvq lsrSu ( ldhsl fi!LH msrsySu

•fjk;a /lSrCId ioyd ixl%uKh ùu ( mjq, ;=, in|;d wvq ùu

•Khg .eKSu: Kh.e;s Ndjh jeäùu

•M,odhS $W;amdok j;alï úlsKSu: tuksid wdodhï W;amdokh wvqù$ke;sù hdu

•fuysoS b;srslsrSï yd iïfm%aIK uqo,a Ndú;d lsrSu jvd;au fyd| l%fudamdhkaa fõ’

my<“ uOHu” iy by, wd;;s ;;ajhka uevmeje;aùfï hdka;%K (2)

SLIDE 10 OF 22 – MODULE 2: CLIENT PREPAREDNESS

yosis wdmod ioyd iQodkïùfïoS CIQø uQ,H wdh;k j, .Kqfokqlrejkg jeo.;a jk fmd¦ uQ,H ksIamdok:

• b;srslsrSï

• iïfm%aIK uqo,a

• Kh

• rCIKdjrKh

4. .Kqfokqlrejkaf.a wjodku wvq lsrSug fhdod .kakd uQ,H ksIamdok

SLIDE 11 OF 22 – MODULE 2: CLIENT PREPAREDNESS

b;srslsrSï

nq+oaê l,ïNkh: b;srslsrSï by, kexùu ioyd CIQø uQ,H wdh;k u.dska .Kqfokqlrejka fmd<Ujd .kafka flfiao @

• b;srslsrSï f,i uqo,a /ialr we;s ksjeishkag iajNdúl wdmodjlg miqjo wd¹:_l .egÆ uev mj;ajdf.k fyd| ;;ajhlg m;aúh yel’

• CIQø uQ,H wdh;k úiska Tjqkaf.a .Kqfokqlrejkaf.ka ;ekam;= tl;= l,;a fkdl,;a yosis wdmod wjia:djkaysoS m%fhdackhg .ekSu ioyd uqo,a b;srslsrSï lrk f,i Tjqkaj Wkka¦ lrúh yel’

• b;srslsrSï kexùug .Kqfokqlrejka fmd<Ujd .ekSu ioyd CIQø uQ,H wdh;k u.ska .; yels l%shd ud._ ( b;srslsrSï j,ska we;sjk jdis ms<sn| oekqj;a lsrSu” b;srslsrSï ioyd ld¹HCIu fiajdjka iemhSu” osrs oSukdjka ,ndoSu

• wdmod wjia:dfõoS wdmiq .; yels mrsos b;srslsrSï myiqlï ,ndosh hq;=h’

SLIDE 12 OF 22 – MODULE 2: CLIENT PREPAREDNESS

iïfm%aIK uqo,a• fndfydauhla iudc j, Tjqkaf.a mjq,a j, idudcslhka fjk;a rgl fyda m

%foaYhl fiajh lr ;u mjq,g Wmldrhla f,i uqo,a tùu is¦ lrhs’

• fufia tjk iïfm%aIK uqo,a .Kqfokqlrejkaf.a b;srslsrSï f,i ms<s.; yels ùu CIqø uQ,H wdh;khkag uyÛ= wjia:djls’

• fndfydauhla rgj, úêu;a uQ,Huh wdh;k iy wjir,;a wdh;khkag muKla uqo,a iïfm%aIKhg bv i,id we;’ tjeks wjia:djka j,oS CIQø uQ,H wdh;k úiska by; ls wdh;k iuÛ iïnkaO ùug yels ud._ ms<sn|j úmrï l, ne,sh hq;=h’

nqoaê l<ïNkh: Tn cSj;ajk iudcfha ixl%uKsl Y%ñlhkaf.a iajNdjh ms<sn| úia;r lrkak’ Tjqka fiajh i|yd ixl%uKh jkafka fldfyago @ Tjqka Wmhk uqo,a iïfm%aIKh lrkafka flfiaoehs úia;r lrkak’

SLIDE 13 OF 22 – MODULE 2: CLIENT PREPAREDNESS

Khwdmod ioyd iQodkï ùug ieliqkq Kh myiqlïl,a;shd wdmod we;sùu y¦kd.; yels m%foaY j, yd wdmod ;¹ck ksrka;rfhka we;sjk m%foaY j, cSj;ajk ck;dj g wdmod ioyd iQodkï ùug Woõ úh yel’ tkï;

• Kh ,nd.ekSu ioyd fmd<S wkqmd;hka m%odkh lsrSu uÛska • wdmodjkag iQodkï ùu ioyd ie,iqïlrK wdldrh ms<sn|j .Kqfokqlrejka

oekqj;alsrSu u.ska

wdmod wjia:djka i|ydu ieliqKq Khnrm;, iajNdúl wdmodjkag uqyqKoSug is¦úh yels wjia:djkaysoS Kh wdmiq f.ùï rgdfõ fjkila we;s l, yel’

• mYapd;a wdmod l%shdldrlï ioyd fkdfõ’ kuq;a uQ,sl Kh ie,iqï f.dvkexùu ioydh.

• uQ,H wdh;k wdmod l<ukdlrKh ms<sn|j ie,iqï ieliSfïoS øjYS,;djh yd uQ,H m%jdyh ms<sn|j l,a;shd is;d ne,sh hq;=h’

SLIDE 14 OF 22 – MODULE 2: CLIENT PREPAREDNESS

wdmod ioyd iQodkï ùug ieliqkq Kh

nqoaê l,ïNkh : CIQø uQ,H wdh;k u.ska wdmod wjia:djkag iQodkï ùu ioyd Tjqkf.a .Kqfokqlrejka fj; ,ndfok Kh myiqlï .Kqfokqlrejka úiska l+uk wruqKq ioyd fhdod .kafkao @

SLIDE 15 OF 22 – MODULE 2: CLIENT PREPAREDNESS

CIQø rCIKdjrKh

CIQø rCIKdjrKh hkq

úfYaIs; Wmøjhlos wvq wdodhï,dNS mqoa.,hskag ie,fik wdrCIdjls’ ta i¥yd wka;rdhldrS msrsjeh g iudkqmd;slj úêu;a jdrsl f.ùula is¦ lrSug wjYH fõ’

SLIDE 16 OF 22 – MODULE 2: CLIENT PREPAREDNESS

CIQørCIKdjrKfha ,CIK

•wvq wdodhï,dNSka uqyqK fok wjodkug wod, fõ’•l=vd m%udKj,ska f.úh yels jdrsl•iqÆ m%;s,dN•meyeos,sj ks¹jpkh l, ir, kS;s iy iSudjka •myiqfjka fhdod .; yels ,shlshú,s wjYH;djka•fõÛj;a m%;s,dN f.ùï•.Kqfokqlrejka oekqj;alsrSu•CIQø rCIKdjrKh ms<sn| wdl,am( tu.ska ñksiqkag we;sjk wjodku l<ukdlrKhg Woõ lsrSu

SLIDE 17 OF 22 – MODULE 2: CLIENT PREPAREDNESS

CIQø rCIK ksIamdok (1)

nqoaê l,ïNkh ( Tn okakd mqoa.,slj ,nd .; yels rCIK myiqlï fudkjdo @

SLIDE 18 OF 22 – MODULE 2: CLIENT PREPAREDNESS

rCIKdjrK myiqlï ks¹jpkh

cSú; (life)*rCIKdjrKh ,nd we;s mqoa.,hdf.a yosis wNdjh fya;= fldg f.k Tyqf.a mjq, fj; we;sjk wd¹:_l ydksh wdjrKh lr .ekSu ioyd imhk /ljrKh

cSú; rCIKdjrKfha Msg; fYaIh(Outstanding Balance life)*

wod, Kh lrejdf.a ñh hdu fya;=fjka f.ùug b;srs Kh uqo, f.jd oeóu i|yd /ljrKh ,nd foa’ l,d;=rlska tu Khlre md¹Yaúl fyda iïmQ¹Kfhkau wndê; ;;asjhg m;a jQjka tu /ljrKh ,nd foa’

urK(funeral)rCIs; mqoa.,hdf.a urKh ksid we;sjk úhoï wdjrKh lsrSu lrkq ,nhs’ rCIs; mqoa.,hd ñh .sh úg kï lrk ,o fjk;a m%;s,dNsfhl=g fuu f.ùï is¦ lrhs’

Kh (loan)*Kh.e;sNdjfha fya;=j l=ula jQj;a ksYaÑ; ld, iSudjlg miqj fkdf.jk ,o Kh jdrsl f.jd oeóu is¦lrkq ,efí’

j;alï(Asset)úfYaIs; fN!;sl NdKav m%;sia:dms; lrhs’ WodyrK ( f.dvke.s,s WmlrK ke;sjQ úg fyda ydks jQ úg ^rCIs; NdKAv fudkjdo” keoao hkak ms<sn|j rCIK .súiqfuys meyeos<sj ks¹jpk lr we;’

CIQø rCIKdjrK myiqlï (2)

SLIDE 19 OF 22 – MODULE 2: CLIENT PREPAREDNESS

• b;d ir, rCIK myqilï ie,iSug jQjo fndfyda CIQø uQ,H wdh;k j,g we;s yelshdj wvqh.

• m%udKj;a mrsudKhlg ,Ûd ùu wmyiqh’ wdmodjloS ishÆ .Kqfokqlrejka tljr tu wdmodjg f.d¦re ùug we;s iïNdú;dj b;d wju ^ìx¦j& úh hq;=h’

• l=uk wjia:djloS” l=uk w,dN ydks ioyd” fldmuK m%udKhlska f.ùï l, hq;=o hkak ks¹Kh lsrSug l%shd mámddáhla ks¹jpkh lsrSu b;d wmyiqh.

• ¦mamm;a kseishka idudkHfhka jeä jYfhka wjodkug ,lajk neúka tA ioyd f.úh hq;= jdrslh wjodkug idfmaCIj ilid we;s neúka tys ñ, wêlh’

• myiqfjka wf,ú l, fkdyel.• CIQø uQ,H wdh;khlg l, yels fyd|u foa jkafka Tjqkf.a .Kqfokqlrejka

$lKavdhï ms,s.;a rCIK wdh;khla iuÛ iïnkaO lr tu.ska idudkH rCIKdjrKhla ,nd.ekSug yelshdj ,nd oSuhs’

CIQø rCIKfha we;s wNsfhda.

SLIDE 20 OF 22 – MODULE 2: CLIENT PREPAREDNESS

5. wdmodjkag iQodkïùu ioyd uQ,H ksIamdok ixj¹Okh lsrSu

m%Odk mshjr my; oelafõ’

1’ .Kqfokqlrejkaf.a wdmod wjodku iy wdmodj,g keUqreùfï yelshdj ;lafiare lsrSu

2’ wdmod ioyd iQodkïùSug .Kqfokqlrejka mqyqKqlsrSu’ yelskï” CIQø uQ,H wdh;kfha ;sridr meje;au ioyd n, fkdmdk mrsos úfYaI mqyqKqlsrSï wdh;khla iuÛ iïnkaO ù fuh l< yel’

3’ wdmodjkag iQodkï ùu ioyd ksIamdok ixj¹Okh lsrSug l%uj;a ms,sfj;la fhdod.ekSu’ Micro Save wdh;kh uÛska “fj<|fmd< ióCIK iy ksIamdok ixj¹Okh” ioyd fhdod .kakd l%shd mámdàka fï i|yd ks¹foaY lr we;’ ^wfkla rEm rduqj n,kak&

SLIDE 21 OF 22 – MODULE 2: CLIENT PREPAREDNESS

m%YaKh ks¹jpkh lsrSu (problem Definition)

ixl,am j¹Okh(Concept Development)

.=Kd;aul m¹fhaIK FGD/PRA

.=Kd;aul m¹fhaIK wdlD;sh (Qualitative Research Plan)

uQ,sl mrSCIKhg iQodkï lrk ,o ksIamdok(Product for pilot test)

uQ,doraYh mrSlaId

lsrSu(Prototype

Testing)

.Kqfokqlrejkaf.a wjYH;d wjfn`O lr .ekSu

ksIamdok uQ,doraYh mrSlaId

lsrSu$ms<sfh, lsrSu

fj<|fmd< ióCIK iy ksIamdok ixj¹Ok l%shdj,sh

Source: Microsave

ixl,amh uQ,doraYhla njg m;a lsrSu(Refine concept to a proto type)

SLIDE 22 OF 22 – MODULE 2: CLIENT PREPAREDNESS

6. idrdxYh

•wdmod wjia:djloS .Kqfokqlrejka úiska wjodku wvq lsrSug yd Bg id¹:lj uqyqK oSug fhdod .kakd l%u fõohka wid isàu yd wOHhkh lsrSu’

•CIQø uQ,H wdh;k úiska wdmodj, n,mEu wju lsrSu ioyd fhdod.; yels ksIamdok yd fiajd y¦kd.ekSu’

•iq¦iq ksIamdok ixj¹Okh lsrSu” wjodkug ,laùfï yelshdj weia;fïka;= .; lsrSu iy w¹nqOldrS ;;ajhka ms<sn| fidhd ne,Su’

•wdmodjl oS wjodku wvq lsrSfï l%fudamdhka .ek .Kqfokqlrejkaf.a w;s oekqu jeä lsrSug Tjqkaj oekqj;a lsrSu’