1. GROUP LEADERSHIP TRAINING
PROG .REOPERT.
PUTTING THE FIRST,LAST
SPONSERD BY :---- NABARD RANCHI
JHARKHAND
DATED BY:--- 09/04/2014 TO 10/04/2014
PLACE :-- SARAM BANK OF INDIA CAMPUS
RESOURCES PERSON :- SRI .K.N DAS ,DDM BOKARO ,SRI

2. Lo;algk;rkleqg dsxzwiyhMjksdsfy,izf’k{k.kdk;Zdze
lkStU;%&jk”Vªh;d`f”k vkSj xzkeh.kfodkl cSad djeVksyh jksM+] jkWaph
vk;kstd %& thou T;ksfrtudY;k.k dsUnz]xksfe;ka&lkM+euSukVkaM
LFkku&cSad vkWQbf.M;k] lkM+ecktkj ‘kk[kkds dSEil esa A
eq[; vfrfFk&Jhds0,u0nkl]ftyk fodkl vf/kdkjh]ukckMZ]cksdkjksA
fof’k”V vfrfFk %& Jh,0JhokLro]‘kk[kkizca/kd]cSad vkWQbf.M;k lkM+ecktkjA
fnukad&09-04-2014ls 10-04-2014
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-------------------------------------------------------------------------------fnukad&09-04-2014 dks jk”Vªh; d`f”k vkSj xzkeh.k fodklcSad
djeVksyh jksM+] jkWaph ds lkStU; ls Lo;a lsoh laLFkk thou T;ksfr
tu dY;k.k dsUnz] xksfe;ka ds }kjk LFkku&cSad vkWQ bf.M;k]
lkM+e cktkj ‘kk[kk ds dSEil iz[k.M xksfe;ka] ftyk&cksdkjks
¼>kj[k.M½ esa nks fnolh; xzwi yhMjksa ds izf’k{k.k dk;Zdze dk
vk;kstu fd;k x;k A dk;Zdze esa loZizFke lHkh izfrHkkfx;ksa dk
fuca/ku dj lHkh dks izf’k{k.k esa Hkkx ysus ds fy, ,d&,d uksVcqd
vkSj ,d&,d dye iznku dh x;h mlds rRi’pkr~ dk;Zdze dk mn~?kkVu
eq[; vfrfFk& Jh ds0,u0 nkl] ftyk fodkl vf/kdkjh] ukckMZ] cksdkjks
,oa fof’k”V vfrfFk& Jh ,0 JhokLro] ‘kk[kk izca/kd] cSad vkWQ
bf.M;k lkM+e cktkj us nhi izTtofyr dj fd;k x;k A loZizFke lHkh
mifLFkr izfrHkkxh ,oa vfrfFkx.k vkSj izf’k{kdksa us viuk&viuk
la{ksi ifjp; fn;k A mlds i’pkr~ izf’k{kd Jhefr eatq jkt ds }kjk lHkh
izfrHkkfx;ksa dks ;g crk;k x;k fd Lo;a lgk;rk leqg dSls cuk;sa Lo;a
lgk;rk lewg dh lnL;k dSlh gksuh pkfg, Lo;a lgk;rk leqg dSls dk;Z
djrs gSa Lo;a lgk;rk leqg ds ikl dkSu&dkSu ls jftLVªj gksus pkfg,
izf’k{kdJherheatq jktds }kjkfoLr`r tkudkjh nsrs gq, crk;kx;kfd lekt ds cgqr ghxjhc yksxLo;a
lgk;rkleqg cukrsgSa A os NksVh&NksVhjde cpr ds :i esa bdVB~k djrs gSa vkSjbl lkeqfgd fuf/k
ls leqg ds lnL;ksa dks t:jr ds vuqlkj NksVs&NksVsdtZ nsrs gSa A lkFkgh lkFkos ,d tqV gksdj vius
nqljhleL;kvksa dks Hkhlqy>krsgSa ALo;a lgk;rkleqg dkdk;Z lqpk: :i ls pykusds fy,dqN ljy
fu;eksa dkikyuvki efgyk dks djuk vko’;d gS

3.  tSlsgj g¶rsfu;ferfefVaxdjuk]fefVaxdkLFkku,oale;dks r;djuk]fefVaxesavuqifLFkrjgus
okyslnL;ksadksn.MHkjusgsrqizsfjrdjukA fu;fercprdhjkf’kD;kgksxh leqgdslnL;ksaus
mudhvko’;drk,oafuf/kdhmiyC/krkdsvuqlkj_.kdSlsfn;ktk;sxk C;ktnjpqdkSrhdhvof/k
D;kgksuh pkfg,]cSad lsfy;stkusokys_.kdhjkf’k vkSj mldhle;ijpqdkSrhdsfy,lkeqfgd
ladYidhvko’;drkgS A mUgksaus crk;kfdleqgdkslqpk::ilspykusdsfy,fuEufy[krjftLVªj
gksukvko’;dgS AtSls%&
 dk;Zo`riqfLrdk&bliqfLrdkesa cSBdksadhdk;Zokgh]leqgdsfu;eksavkSj lnL;ksa dkuke
vkfn dkfjdkMZj[kktkrkgS A
 cprvkSj _.kjftLVªj&blesalnL;ksadhvyx&vyxvkSj iqjsleqgdh,dlkFkcprfn[kkbZtkrhgS
lnL;ksadks fn;sx;s_.kksa] pqdkSfr;ksavkSj ,df=rC;ktvkfnHkh blesafy[kstkrsgSa A
 lIrkfgdjftLVªj&blesaizkfIr vkSj Hkqxrkuksa dkfooj.kgksrk gS Atks gj cSBdesaiqjkfd;k
tkrkgS A
 lnL;ksadhiklcqd&izR;sdlnL;dksvyx&vyxiklcqdgksukvko’;dgS A ftlesamldhcprvkSj fy;s
x;s _.kdhtkudkjhfu;fer:ilsfy[khtkrhgS A
bldsckn10 feuVdsfy,Vhczsd fd;kx;kA
ekuuh;eq[;vfrfFkJhds0,u0 nkl]ftykfodklvf/kdkjhukckMZ cksdkjks ds}kjkcrk;kx;kfd^^Lo;a
lgk;rkghloksZrelgk;rkgS **laxBuesa‘kfDrgS **vkSj laxfBrgksxsa rks [kM+sgksxsa ^^
foxfBrgksxsa rksfxj iM+sxsa**mUgksaus dgkfdleqgdslHkhlnL;,dlkFkfeydjlkjsfu.kZ;
djsxsadksbZ,d;knks lnL;ughaAD;ksafd leqgdslHkhlnL;ksadks ykHkfeyrkgS Adke
HkhlHkhlnL;ksa esafopkj&foe’kZ djdsckWaVysukpkfg,AlkFkghlkFklHkhlnL;ksadh
lgefrlsfdlh,dlnL;dksusr`RodhftEesokjhlkSaihtk;A dqNeghusckn ;gftEesokjhfdlh
nwljslnL;dksnhtk;A;g lHkhfu.kZ;loZlEefrls gksus pkfg,AmUgksaus vkUrfjd_.kdsckjs
esacrkrsgq,dgkfd,df=rcprjkf’k dkmi;ksxlnL;ksadks _.kiznkudjusdsfy,fd;ktkukpkfg,A
fdUrq_.kdkiz;kstu]jkf’k] C;ktnjvkSj pqdkSrhdsrjhdsvkfn dkfu/kkZj.kLo;algk;rkleqgds
lHkhlnL;kghdjrsgSa AvkSj Lo;algk;rkleqgvkUrfjd_.kdkleqfpr:ilsfglkc fdrkcj[krsgSa A
Lo;algk;rkleqgdels derhulnL;ksadksizkf/kd`rdjrkgS Aftuesalsnks la;qDra:i lsleqgds
[kkrsdks pyk;sxsaAmDr[kkrk [kksyuslEcU/khizLrko vkSj ifjp;dsfy,gLrk{kfjr iw.kZ:ils
Hkjkgqvkvkosnui=cSad ‘kk[kk dks izLrqrdjukpkfg,A mUgksaus crk;kfdviuslnL;ksadks
m/kkj nsusdh‘krsZa m}s’;] C;ktnj]vnk;xhdkle;bR;kfndkfu.kZ;leqgviuscSaBdks esadh
x;hppkZds vuqlkjLo;adjsaAD;ksafd Hkkjrh;fjtoZcSadvkSj ukckMZ dsfn’kkfunsZ’k
leqgdsbuvf/kdkjksadhiqf”VdjrkgS Aizk;% _.kijekfldC;ktnjnks;krhu:i;sizfrlSdM+k
j[kktkrkgS AmUgksus ;g Hkhcrk;kfdHkkjrh;fjtoZcSadvkSj ukckMZ dsvuqns’kksa ds
vuqlkjLo;a lgk;rkleqgksadks cSad ls_.kgsrqdksbZHkhtekurugha yhtkrhgS AokLroesa
Lo;algk;rkleqgdks _+.keatqjdjusdsfy,tekurdhvko’;drkghugha gS AD;ksafdLo;algk;rkleqgksa
dslnL;;geg’kqldjrsgSa fdcSad _.kHkhmudhcprksadslekumudkghiSlkgS AoslHkh
efgyk;satkursgSa fdcSad _.kdhpqdkSrhdsfy,osla;qDr:ilsftEesnkjgSa Ablhdkj.klHkh
efgyk,Wam/kkjdrkZ lnL;ksaijpqdkSrhdsfy,nokccuk;sj[krsgSa A fdUrqHkkjrh;fjtoZ
cSad uscSadksa dksNqVnsj[khgS fdosLo;algk;rkleqgksadsfn;stkusokys_.kksa ijC;kt
dhnjLo;ar;djsa A

4. bldslkFk&lkFk mUgksaus rRdkyukckMZ ds u;s uhfrij izdk’kMkyk A
bldsckn Hkkstudsfy, 30 feuVds fy,czsd&viA
izf’k{kd&lqjs’kdqekjds}kjk efgyk Lo;a lgk;rk leqg dslnL;ksa dks
nLrkosthdj.k ls lEcfU/kr fuEufyf[krtkudkfj;kWa nhx;h A loZizFkei{k cpr[kkrk ds
ckjs esalHkhefgykvksa dks crk;k x;k bldsi’pkr~ds’k&cqd+ ds ckjs esacrk;k x;k _.k
vkosnui= lnL; }kjk leqg dks dSlsnsukgS bldsfy, _.k vkosnurS;kj fd;k x;k A vk; vkSj
Hkqxrkuls lEcfU/kr tkudkfj;kWa Hkh iznkudh x;h A
bldsckn 10 feuVdsfy, Vh&czsdA
mlds ckn cSadvkWQ bf.M;k ‘kk[kk lkM+e cktkj ds ‘kk[kk izcU/kd Jh
,0 JhokLrods}kjk cSadls_.k izkIrdjusds lEcU/k esafoLr`rtkudkjh nsrsgq, crk;k x;k
fdcSad_.k ges’kk leqg dsuke ij Lohd`rvkSj tkjh djrhgS A Lo;a lgk;rk leqg dksmldh
lkeqfgd cprjkf’k ds1 ls4 xq.ks rd _.k fn;k tk ldrkgS A Lo;a lgk;rk leqgksadks eq[; :i
ls viuslnL;ksa dks vkdfLed t:jrksa tSlsfcekjh] dke&/ka/ks] [ksrh&ckjhesayxkus ds
fy, jkf’k;k fQj yEcs le;ij dke vkus okyht:jh oLrqvksa dsfy, _.k nsrkgS
cSadLo;a lgk;rk leqg ds}kjk fy;sx;s _.k dhvnk;xh dhrkfydkrS;kj djrk
gS vkSj leqg dks mlds vuqlkj fu;fer :i ls vnk;xh djuhgksrhgS A leqg dslnL; lkeqfgd :i
ls cSaddks _.k pqdkusds fy,ftEesnkj gksrs gSa A Lo;a lgk;rk leqgksadks _.k nsus
okyscSadksadkvuqHko jgk gS fdO;fDrxr [kkrksa dhrqyukesaLo;a lgk;rk leqgksa
ls izkIrpqdkSfr;kWa dghavf/kd csgrj jgrh gS A
bldsvykok mUgksauscrk;k fdLo;a lgk;rk leqgksadks cSad_.k nsuslsigysmu leqgksadk
eqY;kadu vkSj vuqJo.kdjrhgS vkSj mudks Js.khc} dj mudks ,d vadizkIrdjrk gS A ;fn fdlhleqg dks 13
ls 16?kVdksa esavfr mRre Js.kh feyrhgS rks og Lo;a lgk;rk leqg cSadls rqjUr _.k ysusdsfy, ik= ekuk
tk;sxk A vkSj ;fn fdlhleqg dks 10 ls12 ?kVdksa esavfr mRre Js.kh feyrhgS rks ,slsLo;a lgk;rk leqgksa
dks _.k eatqjdjusls igysvius esavko’;d lq/kkj ykus dsfy, rhu&pkjefgus dkvfrfjDr le;nsukt:jh gSA
bldsi’pkr~izFkefnolh;dk;Zdze dklekiu Jhlqjt dqekj;kno
lfpo]thou T;ksfrtudY;k.k dsUnz]xksfe;ka us l/kU;okn Kkiu dslkFk dhvkSj iqu%lqcg 9-30cts
izf’k{k.k esa‘kkfey gksusgsrqlHkh izfrHkkfx;ksadks vkeaf=r fd;k A
fnukad&10-04-2014dks iqu%izf’k{k.k f’kfoj esalHkhizfrHkkfx;ksa dks ysdj,Dlikstj foftV gsrq
Vsªdj uEcj&BR13P-0614 vkSj Vsªdj uEcj&BR23D-5068 esa30 lnL;ksa dks ysdj
isVjokj iz[k.M ds dksg iapk;rvUrxZr tjkMhg xkWao esaf’ko ckck xq: efgyk Lo;a lgk;rk leqg ds ;gkWa
ystk;k x;k ogkWa tkdj ogkWa ds efgyk lnL;ksa ls feydjmuds lkFk okrkZyki dhA mUgksaus crk;k fd
ge lHkh efgyk,WaN% o”kksZa ls efgyk Lo;a lgk;rk leqg dk lapkyudj jgs gSa A vHkhgeyksxksaus
eqxhZ ikyudk dk;Z ‘kq: fd;k gS A mDr tkudkjh NksVq nsohus nsrsgq, crk;h fdgeyksxizR;sdekg
400eqxhZ dscPps dks ikyrsgSa A tks 30fnuksaesa1 fdyksxzkelsysdj11@2 fdyksxzkerd vkSj 40
fnuesa21@2 fdyksxzkerdgks tkrk gS A 400 eqxhZcPpksa esaek= 100 xzkenok4 fnupykuk
iM+rk gS A eghusesa3 ckj HksDlhudjokukiM+rk gS A mUgksausdgk fdtc eqxhZ rS;kj gks tkrh gS
rks geyksx gksylsyjsV75 ls80 :i;s fdyksxzkedhnj lsO;kikfj;ksa dks nsnsrsgSa A mlds ckn ctjax
efgyk Lo;a lgk;rk leqg ds lnL;ksa lslHkh izfrHkkxhfeys‘khyknsohys[kkiky] ctjax efgyk Lo;a lgk;rk
leqg uscrk;h fdgeyksx14 o”kksZa lsefgyk leqg pykjgs gSa geyksxvHkh 16 lnL; gSa mUgksausdgk
fdgeyksx izR;sdekg 600eqxhZ ikyu djrsgSa A bldsvykos geyksxd`f”kdk;Z dksfu;fer :i lslCth
mRiknu] xsgwWa mRiknu vkfn Jhfof/kds}kjk djrsgSa

5. geyksxksadh ekfldvk;izfrlnL;k2500ls 3000:i;sgSA mlds cknlHkh
izfrHkkxhx.kHkkstudsfy,vk/ks?kaVs dkvodk’kfy;kA mldsckn iqu%izf’k{k.k
dsUnzdsfy,isVjokjlsxksfe;kaizLFkkufd;svkSjdsUnzesaigwWapdj lHkh
efgykvksaus vius&viusfopkj[kqydjj[ksA lHkhefgykvksausdgkfdgeyksxksa
dsfy,;gizf’k{k.kcgqr vPNkjgkD;ksafdvktrdblizdkj dkizf’k{k.kgeyksxksaus
dghalsughaizkIrfd;kgSAvc vkxsge lHkhefgyk,WacSad ls_.kizkIrdj geyksx
HkhviusLo;algk;rkleqgdks izxfrdh vksjystk;sxsaA bldsckn laLFkkdslfpoJh
lqjtdqekj ;knousnqljs fnudsdk;Zdzedk lekiul/kU;oknKkiudslkFk fd;kA
bl izf’k{k.kesa fuEufyf[krefgyk Lo;a lgk;rkleqg us Hkkxfy;kA
• lq;Zeq[kh efgyk Lo;a lgk;rk leqg xzke&rqycqy eaMbZ Vksyk] iks0 gjfn;keks] iz[k.M&xksfe;ka]
ftyk&cksdkjksA
•ukjh‘kfDr efgyk Lo;a lgk;rkleqg xzke&cka/kcLrh];knoVksykiz[k.Mxksfe;ka]ftyk&cksdkjksA
•tu fodkl efgyk Lo;a lgk;rkleqg xzke&iykuhgfjtu Vksykiz[k.Mxksfe;ka]ftyk&cksdkjksA
•rqylhefgykLo;a lgk;rkleqg xzke&gksfljukbZVksykiz[k.Mxksfe;ka]ftyk&cksdkjksA
•fdj.k efgyk Lo;a lgk;rkleqg xzke&rqycqyuheVksykiz[k.Mxksfe;ka] ftyk&cksdkjksA
•Hkxorh efgyk Lo;a lgk;rkleqg xzke&f>jds gfjtu Vksykiz[k.Mxksfe;ka]ftyk&cksdkjksA
•eqfDr efgykLo;a lgk;rkleqg xzke&rqycqymij Vksykiz[k.Mxksfe;ka]ftyk&cksdkjksA
•ekWa ‘kfDr efgyk Lo;a lgk;rk leqg xzke&rqycqy gfj eafnj ds lkeus] iz[k.M xksfe;ka]
ftyk&cksdkjksA
•tkx`frefgyk Lo;a lgk;rkleqg xzke&lkM+egfjtu Vksykiz[k.Mxksfe;ka]ftyk&cksdkjksA
•ubZ fn’kkefgykLo;a lgk;rkleqg xzke&jFkVkaMnsohiqj] iz[k.Mxksfe;ka] ftyk&cksdkjksA
•y{ehefgyk Lo;a lgk;rkleqg xzke&rqycqy]iz[k.Mxksfe;ka]ftyk&cksdkjksA
bu lHkh leqgksa ds rhu&rhulnL;k¼v/;{k]lfpo] dks”kk/;{k½mifLFkr
gq, muds vykos lrh’k dqekj] v:.k dqekj frokjh] jke jru izlkn] fceyk nsoh] lkfjdk nsoh] eerk dqekjh
lqfer dqekj vkfnbl izf’k{k.kesa eq[; :i ls mifLFkrFks A