Uttar Pradesh ki BC Sakhi initiative ne banking sector mein dhamaal macha diya hai. Gaon-gaon mein banking services pahunchane ke mission ne ab tak **₹4.58 Lakh Crore** ke transactions settle kiye hain.
Gram Panchayat mein banking revolution
Uttar Pradesh State Rural Livelihood Mission ke under chal rahi 'BC Sakhi' yojana ne rural areas ka naksha badal diya hai. Iska main vision 'One Gram Panchayat, One BC Sakhi' hai, jisse remote gaon ke logon ko ab bank jane ki zaroorat nahi padti. Aaj state mein 40,000 se zyada active BC Sakhis kaam kar rahi hain, jo digital banking ko ghar-ghar tak le ja rahi hain.
Kaise kaam karta hai ye model?
In women ko Rural Self Employment Training Institutes mein train kiya jata hai aur Indian Institute of Banking & Finance se certify karaya jata hai. Govt inhe shuruati 6 mahino ke liye ₹4,000 ka monthly stipend bhi deti hai taaki entry barrier khatam ho sake. Inki kamai ka main source transaction-based commission hai.
Risk aur Future Challenge
Halanki ye system kaafi strong lag raha hai, lekin iski lambi race mein bane rehne ke liye 2 cheezein bahut zaroori hain:
- Digital Infrastructure: Internet aur bijli ki nirantar supply.
- Transaction Volume: Commission-based income hone ke karan, kam volume wale regions mein income volatile ho sakti hai.
Jaise-jaise govt stipend khatam hoga, in Sakhis ki asli testing hogi ki kya wo sirf commission ke dam par apna business model sustain kar paengi ya nahi.