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kumudaqtc\;gany\'16eAak\tiuBal2012

kumudaqtc\;gany\'23eAak\tiuBal2012

mn\maNiuc\cMs^;pa;er;npt\qk\rc\leta\eta\ma;ma;ppn\enktats\Kuketa.
lup\Aa;'qBawpt\wn\;kc\nAKa;kaky\mOAs^AmMetAa;nv\;t.Atk\
Amt\Tut\Piukio;sa;my\.rc\;N^;mHop\NMqetnpv\.Nk\qa;my\.kispp"

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23

kaky\er;AqMu;srit\ntuic\;rc\;qa;p!ipkhamn\ma.s^;pa;er;Atk\Ac\mtn\qiqat.yuiepk\pp
Aemrikn\lWt\eta\tc\;
mn\maNuic\cMer;ramwd
AkMep;pvarc\
pemakerac\tanl\Nc\.et>SMuKc\;

er;qa;K.pty\"qhaAemrikn\
lWt\eta\Atc\;mamn\maNuic\cMepm
wder;raAepac\;Aletnpt\qk\
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Ps\pty\"cim\;Km\;er;NuiBy\Surc\
edeAac\Sn\;sukv\klv\;qmr>
Aemrikn\Kr^;s\Atc\;epaka;K.t.
min\Kn\;mael;sa;rt.pvarc\Tma
mstaerac\tanl\pwc\ekac\;epa
K.pty\"lk\riAKin\mamstaerac\
tanl\haqset;la;Nuic\cMMacquarie University r>Economics Department ma
tPk\pemak(qset;
la;)npemak(yAk\s\eA)APs\
lup\kuic\enpty\"mstaerac\ta
nl\kuimn\maNuic\cMr>s^;pa;er;popc\
epac\;lmO'qBawArc\;Ams\npt\
qk\t.s^mMKn\KmO'Nuic\cMKa;rc\;N^;mHop\NM
mOnpt\qk\p^;qtipormy\.kisrp\
et'mn\mantRut\Nuic\cMka;kun\qy\
mOAepac\;Al'tuic\;rc\;qa;p!ipk
nss\AqMu;srit\elYa.KPuiAtk\mn\
maAsui;rAennBy\luilk\et>lup\
eSac\Nuic\ml st.Aekac\;Araet
kuiA^;em;l\kts\Sc\.em;mn\;K.p
ty\"
kumuda" " mn\maNuic\cMr>s^;pa;er;popc\
epac\;lmOetkuiBy\luiAkPt\Kc\
pql"popc\epac\;lmOetkuimn\kn\
t.lm\;ekac\;AepmaSk\rienPuiA
tk\mn\maAsui;rAennBy\luieK
lm\;etkuiAer;tk^;lm\;PuiluiAp\p
ql"
mstaerac\tanl\" "AKuTieta.
tui;tk\mOetAma;k^;rienpty\"
AKuKin\TiAer;k^;SMu;popc\epac\;l
mOketa.(lMu;wlk\et>mkt.)Nuic\cM
Ka;eclly\mONOn\;Ta;ehac\;k^;kui
epac\;lps\p^;kp\ecnlly\mONOn\;
kiuTin\;ekac\;emYasns\kuilup\K.t.
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hamn\maNuic\cMmaAtit\ks^;pa;er;
s^mMKn\KmOpMusMkenrc\;rc\;lc\;lc\;K
Tk\luik\p^Suitakuiqektts\KuA
Ps\penpty\"p^;eta.Anagt\ma
puimuiekac\;mn\p^;ADipay\rit.mwd
Kmt\mOetkuiemYa\lc\.Nuic\srarity\
luilv\;Tc\mt\espty\"lk\et>
m a eta. k u n \ q y \ e r;m w det ' A
ekak\Kn\Suic\raekak\KMmOetnpt\
qk\rc\qv\Aepac\;Alkkoi;

tPk\pemak(qset;la;)'
lk\ripemak(yAk\s\eA)
pvaArv\AKc\; - BEc Macq.
PhD Macq

km\;kc\mO - mn\maNiuc\cMr>s^;pa;
er;necek;Siuc\rakm\;kc\q'
Aar m a r i t . qset;la;B%\
etAekac\;kiukm\;kc\q"
Aemrikn\lWt\eta\Atc\;mn\ma
Niuc\cMAepmwder;rakiuAkMep;
ent.pvarc\"2009KuNs\maB%\
sns\ n e c e k;sns\ Ps\ t . F iery
Dragon: Banks, Moneylenders
and Microfinance in Burma kiu

Tut\ew"

mn\maNiuc\cMer;ram w dAkMep;pvarc \pemakerac\tanl\"

lup\cn\;kAnagt\mn\ma.s^;pa;er;A
tk\Ac\mtn\Aa;ekac\;t.lup\cn\;
ts\KuPs\pty\"sm\;Ac\nqtotc\;
lup\cn\;etluimhut\B qv\lup\cn\;
halup\qa;Ac\Aa;Ama;Apa;lui
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Ama;k^;kuiPv\.Sv\;ep;maPs\p
ty\"
kumuda" " qBawArc\;Ams\kin\
saluieta\eta\ma;ma;kewPn\K.k
qluip mn\maNuic\cMhaq>r>qyMzat
etkuierac\;wy\ramapnarienp
ty\"qmt^;qin\;sin\Asui;rAep
qBawArc\;Ams\Suic\ras^mMKn\KmOn
pt\qk\luiBama;AkMep;Kc\pq
l"

mstaerac\tanl\" "kn\eta\.A
Tc\eta.mn\maAsui;rhasm\;Ac\Suic\
raerac\;wy\mOAqs\etkuita;ms\
my\.As^As\ts\Kupolup\qc\.pty\"
dmqamn\ma.sm\;Ac\Suic\raArc\;A
ms\ethapuitn\Pui;rimaPs\p^;Nuic\cMA
ennrNuic\t.Amc\.SMu;eZ;NOn\;kuirPuiA
er;k^;pty\"kma.ts\wn\;k sm\;
Ac\Suic\raAP>Asv\;ethamn\ma
Niuc\cMAtc\;maAKc\.Alm\;kuiraPuiA
tk\tiu;wc\enkpty\"Nuic\cMAtk\
Amc\.SMu;Akoi;Amt\kuirriPuiAtk\
mn\maAsui;rAenngRutsuik\nPv\;
Pv\;Kc\;Alup\lup\qc\.pty\"eZ;
ekac\;ekac\;rPuiAtk\vHiNiOc\;mOet
ts\Pk\maqBawpt\wn\;kc\Suic\ra

Dat\pMu-Sean Turnells Fb

Fiery Dragon : Banks, Moneylenders


and Microfinance in Burma saAup\kui

University , Economics Department

el;sa;rt.p varc \Tmamstaerac\tanl\p wc\e kac\;e deAac\Sn\ ;sukv\ke papty\"

Dat\pMu-eAp^

ekac\;S^ela\t.K\;kp\mOts\KuPs\
est.Apc\Aer;k^;SMu;keta.mn\ma
Nuic\cMr>pv\q>Banpt\qk\rc\pc\.
lc\;mc\qamOkuipuiAa;ekac\;esty\"
pTm^;SMu;Akim\APs\qv\Aepac\;
Alhamn\maNuic\cMr>Tuic\;Nuic\cMkui
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sarc\;etnpt\qk\rc\qc\.ela\t.
sarc\;Ac\;sns\ts\KukuiPn\t^;ep;K.p
ty\"Aa;lMu;kuiKMop^;eparrc\eta.d
haNuic\cMeta\qmtr>rrc\.p^;Kc\;Kk\
mriekac\;mn\t.SMu;Pt\Kk\ts\KuPs\
pty\"
lup\sraeteta.Ama;k^;kn\p
eq;ty\"qv\ATma(nmnaAa;Pc\.
ly\qma;etkiueK;ecTut\ep;PuiKc\.
mpot.kn\qt\Kk\et'Atui;NOn\;n
pt\qk\p^;Tin\;Kop\Ta;mOetnAKa;
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ty\"enak\SMu;eta.Nuic\cMKa;rc\;N^;
mHop\NMmOpedqs\ts\Ku'eZ;kk\ma
y\pioc\qAqs\etAtk\Pc\.ls\ep;
my\.ty\l^Pun\;Sk\qy\er;eZ;kk\
ts\Ku'kn\;maer;npvaer;Suic\raA
rc\;Ams\etkuimHc\.tc\ep;PuiAtk\
ss\AqMu;srit\kuielYa.KPuietlv\;
luiAp\pty\"tKoi>ly\kRui;rc\;t.
kisel;etketa.Aekac\ATv\
ePa\Nuic\map"Nuic\cMKa;Ev\.qv\etA
tk\Nuic\cMk;lk\mt\kiuAKuTk\A
ma;k^;ly\keAac\polup\ep;t.kis
moi;etPs\pty\"Nuic\cMKa;Kr^;qa;

nl\hamn\maNuic\cMs^;pa;er;necek;
Suic\rakm\;kc\q qset;la;Nuic\cM
qa;pemakts\^;Ps\pty\"qha
2009KuNs\mamn\maNuic\cMB%\sns\n
ecek;sns\Aekac\;er;qa;Ta;t.

Amv\ -erac\tanl\
lk\riAlup\Akiuc\-Macquarie

Dat\pMu-Sean Turnells Fb

rn\kun\'eAak\tuiBa19 -mstaerac\ta

kiuy\er;AkU\;

tiuc\;rc\;qa;p!ipketkiurp\sPiunkaky\er;srit\kiuelYa.KPiuAer;k^:pty\"

TiKuik\mOAnv\;SMu;Ps\PuiAtk\pc\
Sc\mOet'lk\riempuic\Suic\qetn
edqKMAsuAP>etr>AKc\.Aer;et
kuiel;sa;Piulup\eSac\mOet'Alup\
qma;AKc\.Aer;Suic\rakisetkui
eSac\rk\PuiluiAp\pty\"qv\kis
mamn\mahaetac\;SuiNuic\t.AenA
Ta;maripty\"AT;qPc\.eta.Kun
kepat.kisetkuiqip\gRusuik\el.
mr i t . t Ru t \ A P > Asv\ ; et n p t\
qk\t.AKPs\pty\"
kumuda""lamy\.Niuc\cMKa;rc\;N^;mHop\
NMmOetnpt\qk\rc\mn\maNiuc\cMAenn
BaetkiuqtiTa;qc\.pql"Ps\
laNiuc\t.AeKAenSiu;etkBaPs\
ml"
mstaerac\tanl\""mn\maNiuc\cMs^;
pa;er;npt\qk\rc\leta\eta\ma;
ma;ppn\enktats\Kuketa.lup\
Aa;'qBawpt\wn\;kc\nAKa;ka
ky\mOAs^AmMetAa;nv\;t.Atk\
Amt\Tut\Piukio;sa;my\.rc\;N^;mHop\NM
qetnpv\.Nk\qa;my\.kispp"Niuc\cM
Ka;rc\;N^;mHop\NMmOkenmn\maNiuc\cMAen
n A koi ; Amt\ r sraA ma;k^ ; r i p
ty\"Niuc\cMKa;rc\;N^;mHop\NMqetk
lv\;mn\maNiuc\cMkiuArm\;sit\wc\sa;
kpty\"Aqv\eta.kn\eta\epa
K.qliuSiu;koi;etPs\mlaPiuAtk\
mn\maNiuc\cMAenns^;pa;er;AP>A
sv\;etkiuNiuc\cMtkaASc\.tn\;m^A
lup\qma;AKc\.Aer;Siuc\rasMNOn\;et'

qBawpt\wn\;kc\Siuc\rasMNOn\;et
st.AKk\etkiukc\.qMu;PiuAtk\gRu
siuk\qc\.pty\"enak\ts\Kukedq
tc\;ly\qma;etnAKa; pugoil\et
malv\;qtiur>piuc\Siuc\mOetkiuel;
sa;KMrPiunqtiupiuc\Siuc\mOetkiuNiuc\cM
tkaAP>Asv\;etkpiuc\Suic\mqa;
Piukisklv\;Ac\mtn\Aer;k^;p
ty\"
mn\maNiuc\cMhaNiuc\cMtkakun\qy\
mOnrc\;N^;mHop\NMmOetS^kAkoi;rsra
etAma;k^;ripty\"eparrc\lk\
riAenATa;malpt.Niuc\cMtkas^;
pa;er;zat\lm\;ts\Kuliuetac\epa
li u r pty\ " (ts\ K u t v\ ; eqaz at\
lm\;etac\Ps\ekac\;Ps\Niuc\pty\")
pv\qettky\.Akoi;Amt\kiu
KMsa;rPiuqalup\PiuliuAp\tap"
kumuda""mn\ma.qc\;kun\pit\SiumOpy\
Pk\er;npt\qk\p^;By\liuAkoi;
Amt\etreAac\koi;pm\;qc\.pql"
ms tae r ac\t an l\ ""t t\ N i u c \ q
elak\tMK;kiuPc\.ep;t.Apc\lk\ri
KU\;kp\ent.rc\;N^;mHop\NMqetAenn
Alup\qma;Siuc\rasMNOn\;etkiuel;sa;
Piunqtiukiupc\.pc\.lc\;lc\;nTc\qa
mc\qarieAac\lup\PiuliuAp\pty\"
kun\psv\;Tut\lup\mOkmarit.rc\;
N^;mHop\NMqethaeqKamOntv\cim\mO
etkiuAc\mtn\liuKc\kpty\"d
ekac\.qv\kismaAsiu;rAennpv\
tc\;AeKKMAut\ms\etPs\t.AT;

qPc\ . e ta. l Yp\ s s\ m ^ ; ' p^ ; rc\ l m\ ; '


qeBaSip\nrTa;lm\;liuliuAp\Kk\
etkiupopc\PiuAtk\koi;pm\;Aa;Tut\
mOetkiuSk\lk\polup\qc\.pty\"
qv\enramaNiuc\cMAennkma.B%\n
p;epc\;p^;lup\eSac\qa;rc\Akoi;
Amt\rNiuc\maPs\pty\"AKa;Niuc\cM
etnlv\;p;epc\;lup\liurpty\"
AeKKM A u t \ ms\ e t t v\ e Sak\ m O n
pt\ q k\ r c\  mn\ m aNi u c \ c M h aq Baw
Dat\ec>krt.wc\eckiuts\sit\ts\
piuc\;qaAkun\AkKMqc\.p^;s^;pa;er;
ts\KulMu;Aenneta.mc\.ma;t.Akoi;
s^;pa;kiupn\rPiuAtk\koi;pm\;Aa;
Tut\qc\.pty\"
ku mu da""mn\ m aNi u c \ c M A enn t Ru t \
Niuc\cMnk;qn\;erac\;wy\ramaeSac\
rn\nerac\rn\etkiuepapNiuc\mla;"
ms tae r a c\ tan l \ " "A ti t \ m a
tun\;keta.tRut\Niuc\cMhamn\maNiuc\cM
ns^;pa;er;Suic\raSk\SMmOmaq>r>
lk\w;k^;Aup\rTa;t.AeKAen
epmamtv\p^;Amt\Tut\Kc\.etr
K.pty\"qv\AeKAenkApn\A
l n \ S k\ S M e r;m a h n\ K k\ m v^ B
tRut\kiuAeps^;krienesK.pty\"
AKueta.mn\maNiuc\cMmaer;Ky\sra
AKc\.Alm\;etpiurilapp^"tRut\n
pt\ q k\ r c\ p u i e tac\ ; Si u l aNi u c \ p p^ "
AT;qPc\.eta.tRut\Niuc\cMr>Niuc\cM
eta\piuc\s^;pa;er;lup\cn\;etnpt\
qk\rc\Ps\pty\"Tp\p^;titikk

eparrc\eta.sm\;
epA koi ; q k\
Ac\Siuc\raket
erak\mOAepma
malup\kiuc\ent.A
sui;rim\mOrity\liu
qv\ AP >Asv\ ;
Srae paK . p
et n p t\ q k\ r c\
ty\"dnpt\qk\
Ps\pty\"qv\liu
p^;AKuBaepaKc\
epaliumn\maNiuc\cMA
pql"
mn\maNiuc\cMAenn
ms t aer a c\ t a
ennrn\esac\rmy\
liuepatamhut\p mhaB^l;Ns\ekac\Atk\ nl\""Riu;Riuqa;qa;
B;"mn\mapv\q
eparrc\Aqv\A
etrqc\.rTiuk\t. s^;pa;er;Ar'mhabhaArp eKAenmatun\;k
Alup\qma;'emya AKk\AKakt.tv\enra kn\eta\Baet
n q Bawp t\ w n\ ;
siu;rim\ppn\K.qlSiu
Ps\enpty\"
kc\Siuc\raAKc\.A
takn\eta\mmt\
er;etkiuetac\;Siu
mieta.B;"
ku mu da"" mn\ m a
PiuPs\pty\"
kumu da""mn\maNiuc\cMAenntRut\ Niuc\cMAennAaS^yMUklup\t.AK
Niuc\cMr>sm\;Ac\rapMueta\AeKAenn maBy\lius^;pa;er;Akoi;Amt\et
Aemrikn\pv\eTac\sur>mhabha rNiuc\ty\liuTc\pql"qv\Atk\
emak\psiPit\edqrv\mn\;Kk\et By\liukio;sa;pc\Sc\qc.\pql"
Aka;maBy\luirp\tv\enTiuc\Niuc\p ms tae ra c\ tan l\ ""mn\ m aNi u c \ c M
ql"
Aenn A aS^ y M U k lu p \ t . A Km a
mstaerac\tanl\""mn\maNiuc\cMAen sv\;mU\;et'nv\;UpedetnUped
nlk\riAenATa;mamhaB^l;Ns\ er;Ser;kisetkiuAaS^yMqN~ian\
ekac\Atk\s^;pa;er;Arera'mha etnkiuk\v^eAac\popc\epac\;lRMu
bhaArpAKk\AKakt.tv\ mhut\BAqv\Niuc\cMetr>qc\Kn\;sa
enraPs\ent.Atk\Aeps^;kA etTk'Aqv\Niuc\cMetr>Aet>A
koi;Amt\rNiuc\t.AeKAenPs\p kMoetTkqc\Kn\;saetTut\yNiuc\
ty\"
PiuAtk\AKc\.Alm\;kiuryqc\.p
ku mu da"" 2010K u N s \ k A c\ t ab; ty\"nmnaAa;Pc\.mn\maNiuc\cMAenn
ts\KumatRut\-AaS^yMlt\lp\sa AKa;AaS^yMNiuc\cMetTk\ly\q
kun\qy\mOnpt\qk\p^;mn\maNiuc\cMA ma;etr>emyapiuc\Siuc\mOetkiuKuKM

kaky\t.enramapiumiuepac\emak\
qc\.pty\"
ku muda""AarPM>Poi;er;B%\nNiuc\cM
tkaecek;rn\pMuecAP>tiuliuAP>
Asv\;etkmn\maNiuc\cMr>s^;pa;er;PM>
Poi;tiu;tk\mONOn\;epmaAeta\el;
Aekac\ ; mc\ kpty\ " e ta\ e ta\
el;ApoqeBamc\kty\liuqtiur>
As^rc\KMsaetmaePa\pTa;kpty\"
dnpt\qk\liuBy\liumt\Kk\ep;liu
pql"
ms tae r a c\ tan l \" "mn\ m aNi u c \ c M
Aenner>maPM>Poi;tiu;tk\mONOn\;et
ekac\;PiuAla;Alaetripty\"
depm.dhapopc\epac\;ler;kiuliu
la;t.qN~ian\etnpvaer;'kn\;ma
er;nAqk\eq;ekaPs\t.AeKKM
AeSak\AAMuetepmarc\;N^;mHop\NMmO
eta.liuAp\pty\"Atit\matun\;k
PM>Poi;tiu;tk\mONOn\;haqBawArc\;
Ams\Ps\t.sm\;Ac\Siuc\raArc\;Ams\
etkiuTut\erac\;rakenmc\.tk\K.
taPs\pty\"Anagt\maeta.mn\ma
Niuc\cMhaAlup\Akuic\AKc\.Alm\;n
AKa;ky\pn\t.AKc\.Alm\;etkiu
rriesmy\.mtv^t.ketmalup\
kiuc\Niuc\rpmy\"
kumuda""tiuc\;rc\;qa;p!ipketkiu
rp\sPuinkaky\er;srit\kiuelYa.K
Pi u h aNi u c \ c M s ^ ; p a ;er;At k \ By\
elak\Aer;k^;pql"mn\maNiuc\cM
AennBy\liunv\;ndkiulk\et>A
ekac\ATv\ePa\lup\eSac\Niuc\ml"
mstae rac\tanl\ ""Ac\mtn\A
er;k^;pty\"qv\p!ipkhalqa;
etAtk\Aer;k^;SMu;nMpt\ts\
kp\duk Ps\pty\"depm.ts\Pk\ma
lv\;Kc\ba;epaqliupmn\maNiuc\cMs^;
pa;er;Atk\Ac\mtn\qiqat.yiu
epk\ts\KuPs\enpty\"Niuc\cMpc\p
kesac.\kv\.qetAtk\eta.qv\
kishamtv\cim\mOr>qektPs\es
pty\"Aer;k^;taketa.Anagt\
s^;pa;er;nmn\maNiuc\cMr>Niuc\cMer;tv\
cim\mOAtk\Niuc\cMAtc\;marit.lAa;
lMu;ky\wKm\;qamOkiuqtiumYmYtt
KMsa;rty\liuyMukv\krmy\.ePrc\;
mOts\KuliuAp\pty\"dhaAtit\k
rriK.t.Araeta.mhut\pB;"nn\;lc\

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