Model Byelaws for PACs
Shri Kh Rangamlian Aimol
Director (i/c), Institute of Cooperative Management, Imphal
(An Institute of National Council for Cooperative Training, New Delhi, Ministry of Cooperation, Govt. of India)
India ram chhungah hian Primary Agricultural Credit Societies (PACS) 95,000 dawn NABARD-in a re-financed (Pawisa a enkawl) District Central Cooperative Banks (DCCBs) 352 kaltlangin a nei a; State Cooperative Banks (StCBs) 34 lai mai 13:12 maktaduai loneitute member an ni. PAC hi thingtlang ei leh bar thlun zawmtu pawimawh tak a ni a, loneitu te hnenah short – term & medium term a bâin a pe thin a ni. Amaherawhchu, hetianga sum lakluh ringawt hi PAC hmalakna a tam a tawk lo va. Tunah hian PAC hmalaknate hi an danin a phuar a, a tam zawkah chuan kum 10-a upa te an ni a, ennawn agai an ni.
PAC Byelaws Model hian an sumdawnua hi sectors 25-ah an then sawm a. (Agri & non-agri, credit & non–credit ah te) hei hian Multi – Purpose Primary Agri Credit Societies-ah a let (siam) ta a sumdawnaa thenkhat PAC in a hnuaia a lak theih te chu (Bye – laws) zulzui ang chuan: Short – term, Medium term leh long term credit te, lei tha leh rannung thahna hlo sem chhuah te, thlai chi sem te, sangha khawi/Vawkvulh te, Loneih te, Custom hire (Chhawr) te pangpar khawite, khuai te, Sangha & Kaikuang Khawite, Ar, Beram, Kel, Vawkvulk, Silk thar chhuah, Bawnghnute thar chhuah, Buh thar, lakkhawm, an \hat zawng tehna (Grading) thenfai hnate, packaging te, a brand siamte, loneihna lama thlai thar chhuahte hralhna a ngaihtuah leh a vawn thatna ngaihtuah (warehouse and cold storage) mipui pun khawmna, damdawi in, zirna, dawr te, LPG/Petrol & Diesel zawrh te, Bank mitra/ sumdawnnaah inbiak tawnna Insurance lam te, common service centre / data center/locker facility leh a dangte. Bye – laws model hian States/UTs-ah te tih dan a tha ber a keng tel a, dan leh inrelbawlna atana tul te, PAC huam chhung tih zau te, Loan bik then zau te, long term loan puk theihna te, Member-a inziah luh dan te. BoD, Gen. Body & Management kaihhnawih, endikna, (audit) te a keng tel vek a ni.
Khing bakah khian, PAC project ho computerised te, ERP based software te pawh duan mek a ni. FPS licenses leh PAC chu ei leh bar laluttu agency atan a ruat a, chu chu (MSP) angin a ni a. Hon’ble Minister of Cooperation hian States & Union Territories zawng zawng Chief Minister-te a hriattir tawh a ni.
Model Bye – Law hi Chapter 13 a \hensawm a ni a, a pianphungah PAC duh dan ang a ni tur a ni a, Model Bye-Laws hi siam that/Puitlin a nih hnuah state tin te Cooperation Acts-in a nih hnuah PAC tin te’n an hmang thei ang. A duh tan a hnuaia mi hi biak pawh tur a ni e. – Director, ICM, Imphal, Lamphelpat.