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CORONAVIRUS – LOCKDOWN LE HMÂRHÂI - II (Ei ṭobul ah kîr nâwk ei tiu)

Thursday, April 16, 2020

/ Posted by Simon L Infimate
~ V L Renga Hriler

“Do not save what is left after spending; instead spend what is left after saving.”
~ Warren Buffett

'Zote tiksie' ti hi Zote pahnamhai ni na (identity) pakhat a nih a, ieng leia hi nina hi pêk a um am an ni a? ti ruok chu ringdân (theory) tamtak a um. Tulai ṭhangtharhai ruok chun Zote-hâi inren an thiem leia hi nina (title) hi pek an nih an ti ve thung. Fâk-le-dâwn thua ei pi-le-puhai thupui (principles) ‘Mani Intodel’ khawm hi Zote-hâi Economic Policy a inthawka an inchûk sâwng ni dinga ring pâwl khawm an um a nih. Chuleiin, Zote Economic Policy hi khawsak rêl bâwl dân pawimaw êm êm el a ni bâk ah, tulai lockdown a ding lem chun a pawimaw zuol takzet a nih.


Ei thusep hmasa khan sum lam lût le hmang dân riruong a pawimaw zie (budgeting) le indikna (ethics) pawimaw zie ei hril tah a, tuta ṭum chu ei boruok tawng le inhme deuvin lockdown lâia khawsak rêl bâwl dân, abîkin khawpuia sinthawa umhai ta dingin ei thei ang angin ziek ei tum a nih. Khawpuia khawsak dân ei ziek hmain ei ṭhalaihai khawpui tieng zuona a sîng têl an fe hi ieng lei am a ni a tihai hi la hei sui vak ei tih.

India in 1991 khan Economic Policy thar Economic Liberalisation – Privatisation le Globalization a hung hmang ṭan a, sawrkar khuokhirna hnuoia industries  tamtak chu sukzalênin private company-hai lût a hung phal a, chuong ang bawkin, a ramsunga sumdawngna kawt chu  ramdang company-hai ta dingin a hawnga, Multi National Company (MNC) tamtak an hung lût a, hi lei hin India khawpui dang danga BPO, Sales Executive, Hostess, Beauty Parlor, Spa, Delivery Boy, Security Guard le a dang dangah sin tamtak a hung ruok a a nih. Hi sinruokhai hi ṭhalai tamtak khawpui tienga Hiptu (Pull factor) hrât taka a hung inchanga, chuonglaizing chun, ei ram tieng sin thaw ding vâng le ram buoina chu Nawrtu (Push factor) a hung ni ve thunga, hi Hiptu-Nawrtu lei hin ṭhalai tamtak, lekha thiem leh a thiem naw leh, khawpui tieng sin thaw thei ang ang thaw dingin an fe sup sup anih. Inhmaa sawrkar sin thaw ding le lêkha inchûk ding chau a khawpui zuonhlak kha tuhin chu sin thaw ding a sâng têlin kumtin ei zuon an tah.

Indian economic system hi Socialist Economy a inthawk Capitalist Economy ah an tawl lut mêk a nih. A umzie chu a ram hausakna vantlâng kuta um hlak kha mimal kutah an tawl lût mêk a nih. Socialist thiltum chu ‘mipui ta ding’ ti a ni a, Capitalist thil tum ruok chu ‘mimal ta ding a hlawk thei ang tak’ ti a a ni thung. A chunga ei hril, Economic Liberalization – Privatisation le Globalization khawm khi Capitalist thu fe pui (principle) a inghat anih. Company-hai hrim hrim, Indian company nisien, foreign company nisien, an thil tum chu ‘A hlawk thei angtaka sumdâwng’ (profit making) anih. An hlâwkna ding ani phawt chun inro an nei nawa, hmangaina khawm an nei bêk bêk nawh. Hi principles hi company chau ni lo, ei ni lai mimal sumdawngnaahai khawm ei hmangna sa hle tah. Mani ei hlawk phawt chun midang chu thi derhai sienkhawm pawi ti lo ei pung tuol tuol anih.

Ei hriet seng angin Covid 19 leiin khawvêl chu khârkhipin a um mêk a, chu lai chun ei ram India khawm tarik 23 April 2020 zân a inthawk khan ni 21 sung a ram pumpui kharkhip a nih. Tuhin ni 19 dang (May ni 3 chen) pawtsei nawk a nih. Hi khêl tieng khawm hi khârkhip a la ni pei dîm ti hi hriet an tak ta khawp el. Khârkhip leia ei ram hausakna a kâkhâwk dân ding hi ei ni thingtlang pa hisâpna chau an nawh, mithiemhai khawma a nghawng dân ding hi an la hisap thei tak tak naw a nih. Amiruokchu, mitinin an pawm chu khawvêl economy hi nasataka sawinghîngin a um ding a nih ti hi a nih. 

Opinion Poll pakhatin a sûina a chun inkhârkhip lei hin India economy chu nasatakin a tlahnuoi ding a nih an tih. Nakie Financial Emergency chen khawm tlung thei dinga ngâipâwl khawm an um a nih. Mi thiem ṭhenkhat chun khârkhip leia India-in a chân ding hi USA dollar 120 billion or 4 % GDP  vêl ni dingin an ring. Chuong ang bawkin India rama company lien deuhai sum lam lut (revenue) khawm nasatakin tlahnuoi a ta, mitamtakin sin an chan  pha bawk ding a nih tiin an hril. Coronvirus le lockdown leia sin chân ding hi company tin deu thawin 25 % vêl ni dingin an ring a nih. Company CEO ṭhenkhat chun an sinthawtu 15 % a inthawk 25 % vel bêk inchâwl tir an ngai ding thu an hril bawk. Tu chena chu, lockdown leiin India rama company liena inlang hlakhai khawm an sinthawtuhai an lo sawr dân a hung inlang ṭuk ṭuk a, company tenau ang lek an lo ni thu mi ṭhekhat chun an hril. A umzie chu sin thawtuhai hi sin det (job security) le hlawkna (benefits) nei mumal lova ran (animawl) ang leka an lo sawr mei mei dânhai Covid 19 hin a hung pho lang nasa hle a nih. 

Company le a ram mipuihai harsatna phuhruk ding hin Sawrkar le RBI chun hma an lâk mêk a, an hmalâk laia pakhat chu bank a sum pûktuhai thla thum sung instalment pêk châwl (moratorium) phal pêk an ni thu hi a nih. Entirna dingin home loan amani, car loan, personal loan thla 20 sung thung ding i la nei a ni chun, i nuom chun tuhin thla thum sung âwlin thla thum zovah i pêk ṭan nawk thei a nih. A umzie chu thla 23 sung pêkna ding hun i la nei tina a ni chu. Amiruokchu, hi thil hin a sumpui pung (interest) thla thum sunga mi pek belsap a ṭul ding leiin mitamtak sawisêl a hlaw hle. Aw leh, lockdown le inzawma mipuihai sawmdâwlna ding sawrkar hmalâknahai le a ram pumpui economy a sâwi nghîng dân ding hril ding tam tak um sienkhawm chu tieng chu ei hril tum tak a ani naw leiin la dittawk phawt ei tih. 

Khawpuia sinthawhai hi pâwl (group) thuma ṭhe thei a nih:
(1) Multi National Company (MNC) le National Company puitlingtak (Organised Sector):    Sawrkar hrietpui, dân le dûn ṭhatak nei le thawktu khawm ṭhahnem tak nei. Hi pawl (group) hi pahni a ṭhe nâwk a nih: (i) thawktu 100 neka tam nei, vuongna (aviation) khuolzin (travel), thilsiem (manufacturing), dawr inzawmkhawm (retail),  (ii) thawktu 20 – 100 nei: call centres, hotel industry le a dang dang.

(2) Mimal amani, sungkuota company chîn (private enterprise):. Dâwr, restaurant, spa; thawktu 2-10 nei. Sawrkar hrietpui le hrietpui lo, dân le dûn nei mumal lo. A umzie chu provident fund, medical facilities le a dang dang thawktuhai hamṭhatna nei le nei lo an um nuk.

(3) Nitina inhlawfa (marginal workers):  Dân le dûn an nei naw a, sin thaw ding an zawngfâwm hlak. Rikshaw khaltu, mistiri, siehlaw le a dang dang.

Hieng a chunga ei hril langhai a khin ei ni Hmar nauhai, abîkin North East mihai chu (1) (ii) Organised sector, thawktu 20 – 100 nei le  pahnina (2) Private company chîn a thawk ei ni tâwl deu fur. Company lien hieng Reliance, Tata, Microsoft, Google, etc a thawk hi chu ei la um meu naw a, chuong ang bawkin, nîtina inhlawfa hi khawpuia ei um naw niin an langa, ei khuo tieng ruokchu ei tam hle thung.  Company lien a chu Aviation Industry (airlines) le khuolzin mi enkawl (hospitality) a thawk hi ṭhahnem tawk tak ei um ve tah. Lockdown leiin aviation company-hai chun sum tamtak anin hmanga, thawktuhai hlaw hlep thlak pêk (cut) le bân ṭhe dân an ngaituo mêk niin ṭhenkhat chun an hril. Organised sector hieng MNC le retailer a thawkhai khawm hi ngaituo an um bêk bêk naw lai zingin, CEO ṭhenkhat chun 15- 25 % vel bêk thawktu hi bân ṭhe an ngâi ding thu an hril bawk a nih. BPO a thawkhai ṭhenkhat ruok chu mâni in ah sin an thaw thei (work from home) leiin harsatna an tuok bêk bêk ring a um nawh. Private company chîn tham hieng dawr, restaurant, spa, parlour le a dang danghai hi an sumdawngna a chât tawp leiin sum lam lût a um ta nawa, a neituhai chau buoi lovin an thawktuhai khawm hlaw an pêk thei ring a um ta nawh. Hi sector hi ei ni mi tamna a ni leiin mi tamtak hlaw nei lovin an um ding a ni a, chuleiin, Nu le Pahai khawma thlatina sum le pai in nauhaiin an thawn hlak kha an thawn thei ta naw ding cheu ana,  chuleiin, ei hriet thiem an ṭul ding a nih.

Lockdown lei hin khawpuia um North East mi tamtakin sum-le-pâi  harsatna ei tuok ṭan mêk a, hnam, khawtlâng le kohran ṭhuoituhai chun an mi-le-sahai an thei ang anga sawmdâwl tumin hma an lak mêk a nih. Anachu, ieng chen am mi ṭhahnemngâihai sum dêngkhawm hin a dai ding ti hi thil ngaituo um tak a ni tah. Sawrkâr le NGO ṭhenkhat chun fâk ding bufai, dâl le têlhai semin hma an lak mêk a, annihai khawm hin ieng chen am an sem thei ding hriet an nawh. Inhluo man chungchang a khawm, Sawrkâr tienga thu neituhai, Ministry of Housing Affairs chun inneitu (land lord)-hai tukhawm inhluoman thakhat sung ṭhin lo ding le tu khawm inhluohai hnawtdawk lo dingin thusuok a siem a, hi  dân bawsiehai chu hrem thei an ni thu khawm an hril. Sienkhawm  inhluo man ṭhin mêk tamtak an um tah a hriet a nih. Sawrkar kuoma hêka insukbuoi nêkin ṭhenkhat chun an Uṭawk tûr vawn a, a ṭhenin sum nei ang ang annawleh, mi ta pûk a pêk an thlang lem bawk a nih.

Aw leh tuhuna ei pawimawtak pakhat chu inhmang thiem  ti hi a nih. Sinthawna in ang seng seng, sum lam lût zât in ang seng seng, sum hmusuok ang ang sikthlaa siekhawlna chang lo hrie le hrie nawhai chu Bible a nunghâk inthieng sawm an khawnvar chawia mo neitu tuokhai ang kha an ni ta ding a nih. Nunghak var pangâhâi anga mani hlawsuok a mi tlâwm a zawng sikthlaa lo siekhawl hlakhai chu thlakhat thlahni lockdown lei hin fâk-le-dâwn thil le inhluoman ah an buoi ring a um nawh. Amiruokchu, inretna châng hrie lo le sikthlakna châng hrie lohai chu an buoi si ṭan mêk a nih. Private a sinthaw, hril ni khuoa hlaw tamtak neia inhril hlak si, lockdown thlakhat khawm an vawi hmaa sum pûk ding mamaw nghâl ei inkat nuk el a, hi hin khawsak rêl bâwl ei thiemnaw zie a tarlang chieng hle.

Chuleiin, sum hmang dânhai fimkhur nawk zuol a ṭul takzet. Zote Economic Policy (ei ṭobul) angin ei neisunhai Inret taka hmang le nitin mamaw (basic needs) ding nei chun lung la suk âwi phawt ding a nih. Nikhata fâk le dâwna ei sum hmang hlak khawm a thei china sukhnuoi hrâm hrâm ṭha hleng a tih. Entirna dingin bufai (rice) kg 1 x Rs 40 hi patling ni 3 fâk a nih a, Atta kg 1 x Rs 34 hi patling ni 6/7 fâk a nit hung. Hme khawm a mamaw tlâwm a, pickles le rîkngawt khawm an fâk thei a nih. Atta hi North East India a chu pasie bu (poor man’s food) ei ti hlak a, amiruokchu, hmun danga chu an ring tak a ni bâk ah, taksa ta ding khawmaa hrisêl lem a nih. Chun, fâk le dâwnhai khawm a ṭhing peihâwn zêl zûl lova, Zote Tiksie policy hmanga, mani fâk tâwk pei inret taka suong hlak ding a nih.  Thlâi suong pei naw leia puo tienga mi a hminsa (zomato, pizza, swiggy) incha (order)-hai khawm damnawna lei ani ngawt naw chun insum hrâm hrâm a ṭha. Chun, delivery system hi Covid 19 laka a him nawh.

Life Insurance a sum siekhawl (savings) dâm hi a ṭha em em. Tukhawm hin Covid 19 leiin Sawrkar chun Unit-Linked Insurance (Ulip) neihai chu mani hringna  siekham zât a sumpui 25 % chen laksuok ṭhen a phal a nih. A lâksuok dan le a sumpui a suk danglam dân tamtak um sienkhawm hieng anga lo siekhawl tu chu a sum le pâi harsatna a phuhruk pek ngêi ring a um.

A tâwp taka ding chun Pathien iengkim thawthei ringtuhai ei ni hi iengtiklâi khawm theinghil lova, harsatna namên lo tuok châng khawma Ama bêl tlat tu ei ni hi a pawimaw takzet. Chun, natna laka invengna dingin taksa insuk hrât a ṭul a, chuleiin, fâk ding ei lo nei remchang naw a ni khawma ngheia chau si nêkin hotuhai kuoma inthlahrung dêr lova intlun kha hadamna a nih A thei chun mani hmun nei remchâng ang anga taksa insâwizawi a ṭha hle bawk. Tiemtuhai Covid 19 laka himna dinga thusuokhai ṭhataka zâwm tu ni seng dingin ka ditsak cheu.
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