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गरीब कल्याण रोजगार अभियान पर निबंध (Essay on Garib Kalyan Rojgar Abhiyan in  hindi)

Introduction :

हमारे प्रधान मंत्री श्री नरेंद्र मोदी ने गरीब कल्याण रोज़गार अभियान की शुरुआत की, जो प्रवासी मजदूरों के लिए एक रोजगार योजना है, जिससे लॉकडाउन के दौरान शहरों से गांवों में लौटे मजदूरों की मदत होगी। इस अभियान को पांच राज्यों मध्य प्रदेश, उत्तर प्रदेश, राजस्थान, झारखंड और ओडिशा के मुख्यमंत्रियों की मौजूदगी में बिहार के तेलिहार गाँव से 20 जून, 2020 को वीडियो कॉन्फ्रेंस के माध्यम से शुरू किया गया। इस योजना के तहत, देश के ग्रामीण हिस्सों में ग्रामीण नागरिकों, विशेषकर प्रवासी श्रमिकों के लिए आजीविका सहायता प्रदान करके देश के ग्रामीण हिस्सों में होने वाले आर्थिक प्रभाव को कम करना ही इस अभियान का मुख्य उद्देश्य है। 

केंद्र सरकार ने गरीब कल्याण रोज़गार अभियान के तहत लगभग 25 योजनाओं को एक साथ देश भर के 116 जिलों में लागू किया है तथा इस योजना के लिए 125 दिनों का लक्ष्य रखा गया है। पैकेजिंग और स्थानीय उत्पाद बनाने के लिए गांवों, कस्बों और छोटे शहरों के पास उद्योग समूह बनाए जाएंगे। फसलों को स्थानीय स्तर पर स्टोर करने के लिए 1 लाख करोड़ की लागत से कोल्ड स्टोरेज सुविधाएं विकसित की जाएंगी।

  • इस अभियान की शुरुआत प्रधानमंत्री द्वारा वीडियो-कॉन्फ्रेंस के माध्यम से बिहार के खगड़िया ज़िले के ग्राम तेलिहार से की।
  • ‘गरीब कल्याण रोज़गार अभियान’ के अंतर्गत सरकार द्वारा लगभग 50 हज़ार करोड़ रुपए का निवेश किया किया गया है।
  • यह 125 दिनों का अभियान होगा, जिसे मिशन मोड रूप में संचालित किया किया गया।
  • इस अभियान में छ: राज्यों बिहार, उत्तर प्रदेश, मध्य प्रदेश, राजस्थान, झारखंड तथा ओडिशा को शामिल किया गया है।
  • छ: ज़िलों के 25,000 से अधिक प्रवासी श्रमिकों के साथ कुल 116 ज़िलों को इस अभियान के लिये चुना गया है, जिसमें 27 आकांक्षी ज़िले (aspirational districts) भी शामिल हैं।
  • इस कार्यक्रम में शामिल छ: राज्यों के 116 ज़िलों के गाँव कॉमन सर्विस सेंटर (Common Service Centres) तथा ‘कृषि विज्ञान केंद्रों’ (Krishi Vigyan Kendras) के माध्यम से शामिल होंगे, जो कोरोना के कारण लागू शारीरिक दूरी के मानदंडों को भी ध्यान में रखा गया।
  • इस अभियान में 12 विभिन्न मंत्रालयों को समनवित किया जाएगा, जिसमें पंचायती राज, ग्रामीण विकास, सड़क परिवहन और राजमार्ग, खान, पेयजल और स्वच्छता, पर्यावरण, रेलवे, नवीकरणीय ऊर्जा, पेट्रोलियम और प्राकृतिक गैस, सीमा सड़कें, दूरसंचार तथा कृषि मंत्रालय शामिल हैं।
  • इस अभियान को ऐसे समय में शुरू किया जा रहा है जब COVID-19 के प्रकोप के कारण लाखों प्रवासी मज़दूर गाँवों की तरफ लौट रहे हैं जिससे ग्रामीण क्षेत्रों में रोज़गार की समस्या उत्पन्न हो रही है।
  • मनरेगा के तहत काम करने वाले परिवारों की संख्या भी मई 2020 में एक स्तर पर पहुँच गई है।
  • यह अभियान ग्रामीण क्षेत्रों में ही प्रवासी श्रमिकों को रोज़गार प्रदान करने के साथ-साथ गाँवों के टिकाऊ बुनियादी ढाँचे का निर्माण करने में सहायक है।
  • यह अभियान प्रवासी श्रमिकों तथा ग्रामीण नागरिकों के सशक्तीकरण तथा उन्हें आत्मनिर्भर बनाने में महत्त्वपूर्ण भूमिका का निर्वहन करेगा अर्थात् गाँवों में ही आजीविका के अवसरों को इस अभियान के माध्यम से विकसित किया है।
  • PMGKRA में 50000 करोड़ की लागत लगी है जिसकी उद्घोषणा भारत की वित्त मंत्री निर्मला सीतारमण ने सहाय पैकेज के दौरान की थी। इस अभियान के लिए बिहार, उत्तर प्रदेश, मध्य प्रदेश, राजस्थान, झारखंड और ओडिशा के 25,000 से अधिक अपने गाँव पलायन कर गए प्रवासी श्रमिकों के साथ कुल 116 जिलों को चुना गया है।

इस अभियान के द्वारा ग्रामीण क्षेत्रों में आधुनिक सुविधाएं भी प्रदान की जाएंगी है। फाइबर केबल बिछाने और इंटरनेट के प्रावधान को भी अभियान का हिस्सा बनाया गया है। यह अभियान ग्रामीण क्षेत्रों में बुनियादी ढांचे का निर्माण करते हुए प्रवासी श्रमिकों के परिवारों को तत्काल राहत प्रदान करेगा। प्रवासी श्रमिकों की वर्तमान स्थिति के अनुसार गरीब कल्याण योजना जैसी योजना की बहुत आवश्यकता है। हालांकि, कार्यक्रम की सफलता इस बात पर निर्भर करती है कि क्या इसका लाभ प्रवासी श्रमिकों तक समय पर पहुंच पायेगा या नहीं। सरकार को सभी प्रवासी मजदूरों का एक डेटाबेस भी बनाना चाहिए जो भविष्य में उनके लिए एक सामाजिक सुरक्षा प्रणाली बनाने के लिए इस्तेमाल किया जा सके।

प्रधानमंत्री किसान मानधन योजना पर निबंध (pm kisan mandhan yojana essay in hindi)

Introduction : 

प्रधानमंत्री श्री नरेंद्र मोदी द्वारा प्रधान मंत्री किसान मानधन योजना का शुभारंभ 12 सितंबर 2019 को झारखंड के रांची में किया गया। इस योजना के तहत, छोटे और सीमांत किसानों को 60 वर्ष की आयु पूर्ण करने पर 3,000 रुपये की न्यूनतम निश्चित पेंशन प्रदान की जाएगी। पीएम किसान मानधन योजना 18 से 40 वर्ष की आयु के किसानों के लिए है। भारतीय जीवन बीमा निगम (LIC) द्वारा प्रबंधित पेंशन फंड के तहत पंजीकरण करके लाभार्थी PM-KMY योजना के सदस्य बन सकते है। इस प्रकार सदस्यों को केंद्र सरकार द्वारा समान योगदान के प्रावधान के साथ उनकी आयु के आधार पर पेंशन फंड में 55 से 200 रुपये के बीच मासिक योगदान करने की आवश्यकता होती है। 

यह योजना सभी छोटे और सीमांत किसानों के लिए लागू है। इस योजना के तहत उनके और केंद्र सरकार द्वारा किए जाने वाले योगदान का अनुपात 1: 1 है। पीएम किसान मानधन योजना के तहत सरकारी योगदान किसान द्वारा किए गए मासिक योगदान के बराबर है। छोटे और सीमांत किसान जो पहले से ही अन्य योजनाओं जैसे राष्ट्रीय पेंशन योजना (एनपीएस), कर्मचारी राज्य बीमा निगम योजना, कर्मचारी कोष संगठन योजना आदि के तहत पंजीकृत हैं, पीएम किसान मानधन योजना के लिए पात्र नहीं होंगे।

  • बेशक, कृषि के आधुनिकीकरण से किसानों के जीवन स्तर में बदलाव आया है, लेकिन लघु और सीमांत किसानों की बदहाली जस की तस कायम है।
  • साल दर साल होने वाली उनकी आत्महत्या की खबरें भी किसी से छिपी हुई नहीं हैं क्योंकि अधिक लागत और कम आय भारतीय कृषि से सम्बद्ध किसानों के लिए अभिशाप साबित हो रही है। जिसके कारण खेती-किसानी से लोगों की अभिरुचि घट रही है।
  • आलम यह है कि किसान व उनके बच्चे रोजगार की तलाश में शहरों की ओर भाग रहे हैं, जिससे न केवल हरित क्रांति, श्वेत क्रांति और नीली क्रांति आदि के संजोए सपने तार तार हो रहे हैं.
  • यही वजह है कि कृषि को बढ़ावा देने के लिए और किसानों की आय दुगुना करने के लिए नरेंद्र मोदी सरकार ने अपनी दूसरी पारी की पहली कैबिनेट की बैठक में ही किसानों के लिए एक नई और आकर्षक पेंशन योजना की शुरुआत कर दी और उससे आम लोगों व गरीबों को भी जोड़ दिया है।

प्रधानमंत्री किसान मानधन योजना विशेषताएं –

  • केंद्र सरकार किसानों के हित में कई योजनाएं चला रही हैं. इसी में एक पीएम किसान मानधन योजना है, जिसके तहत 60 साल की उम्र के बाद पेंशन का प्रावधान है.
  • इस योजना में 18 साल से 40 साल तक की उम्र का कोई भी किसान भाग ले सकता है, जिसे उम्र के हिसाब से मंथली आंशदान करने पर 60 की उम्र के बाद 3000 रुपये मंथली या 36000 रुपये सालाना पेंशन मिलेगी. इसके लिए अंशदान 55 रुपये से 200 रुपये तक मंथली है. 
  • पीएम किसान मानधन में जितना योगदान किसान का होगा, उसी के बराबर योगदान सरकार भी पीएम किसान अकाउंट में करेगी. यानी अगर आपका योगदान 55 रुपये है तो सरकार भी 55 रुपये का योगदान करेगी. इस पेंशन कोष का प्रबंधन भारतीय जीवन बीमा निगम (LIC) कर रहा है.
  • इस योजना के तहत कम से कम 20 साल और अधिकतम 40 साल तक 55 रुपये से 200 रुपये तक मासिक अंशदान करना होगा, जो उनकी उम्र पर निर्भर है.
  • अगर 18 साल की उम्र में जुड़ते हैं तो मासिक अंशदान 55 रुपये या सालाना 660 रुपये होगा. वहीं अगर 40 की उम्र में जुड़ते हैं तो 200 रुपये महीना या 2400 रुपये सालाना योगदान करना होगा.
  • अगर कोई किसान बीच में स्कीम छोड़ना चाहता है तो उसका पैसा नहीं डूबेगा. उसके स्कीम छोड़ने तक जो पैसे जमा किए होंगे उस पर बैंकों के सेविंग अकाउंट के बराबर का ब्याज मिलेगा. अगर पॉलिसी होल्डर किसान की मौत हो गई, तो उसकी पत्नी को 50 फीसदी रकम मिलती रहेगी.
  • नेशनल पेंशन स्कीम, कर्मचारी राज्य बीमा निगम (ESIC) स्कीम, कर्मचारी भविष्य निधि स्कीम (EPFO) जैसी किसी अन्य सामाजिक सुरक्षा स्कीम के दायरे में शामिल लघु और सीमांत किसानो को इस योजना का लाभ नहीं प्राप्त होगा.
  • अथवा वे किसान जिन्होंने श्रम एवं रोजगार मंत्रालय दवारा संचालित प्रधानमंत्री श्रम योगी मान धन योजना के लिए विकल्प चुना है. वे किसान जिन्होंने श्रम और रोजगार मंत्रालय दवारा संचालित प्रधानमंत्री लघु व्यापारी मान-धन योजना के लिए विकल्प चुना है वे भी इस योजना से वंचित रहेंगे.

Conclusion :

लाभार्थी के साथ, स्पाउस भी इस योजना के लिए पात्र हैं और निधि में अलग-अलग योगदान देकर रु 3000 की अलग से पेंशन प्राप्त कर सकते हैं। यदि स्पाउस नहीं है, तो ब्याज के साथ कुल योगदान नामांकित व्यक्ति को भुगतान किया जाएगा। यदि किसान की सेवानिवृत्ति की तारीख के मृत्यु हो जाती है, तो स्पाउस को परिवार पेंशन के रूप में पेंशन का 50% भाग प्राप्त होगा। यह उम्मीद की जाती है कि कम से कम 10 करोड़ किसान अगले पांच वर्षों के भीतर इस योजना का लाभ प्राप्त करेंगे, जो इसे दुनिया की सबसे बड़ी पेंशन योजनाओं में से एक बना देगा।

गरीब कल्याण रोजगार अभियान पर निबंध

Introduction : 

हमारे प्रधान मंत्री श्री नरेंद्र मोदी ने गरीब कल्याण रोज़गार अभियान की शुरुआत की, जो प्रवासी मजदूरों के लिए एक रोजगार योजना है, जिससे लॉकडाउन के दौरान शहरों से गांवों में लौटे मजदूरों की मदत होगी। इस अभियान को पांच राज्यों मध्य प्रदेश, उत्तर प्रदेश, राजस्थान, झारखंड और ओडिशा के मुख्यमंत्रियों की मौजूदगी में बिहार के तेलिहार गाँव से 20 जून, 2020 को वीडियो कॉन्फ्रेंस के माध्यम से शुरू किया गया। इस योजना के तहत, देश के ग्रामीण हिस्सों में ग्रामीण नागरिकों, विशेषकर प्रवासी श्रमिकों के लिए आजीविका सहायता प्रदान करके देश के ग्रामीण हिस्सों में होने वाले आर्थिक प्रभाव को कम करना ही इस अभियान का मुख्य उद्देश्य है। 

केंद्र सरकार ने गरीब कल्याण रोज़गार अभियान के तहत लगभग 25 योजनाओं को एक साथ देश भर के 116 जिलों में लागू किया है तथा इस योजना के लिए 125 दिनों का लक्ष्य रखा गया है। पैकेजिंग और स्थानीय उत्पाद बनाने के लिए गांवों, कस्बों और छोटे शहरों के पास उद्योग समूह बनाए जाएंगे। फसलों को स्थानीय स्तर पर स्टोर करने के लिए 1 लाख करोड़ की लागत से कोल्ड स्टोरेज सुविधाएं विकसित की जाएंगी।

  • इस अभियान की शुरुआत प्रधानमंत्री द्वारा वीडियो-कॉन्फ्रेंस के माध्यम से बिहार के खगड़िया ज़िले के ग्राम तेलिहार से की।
  • ‘गरीब कल्याण रोज़गार अभियान’ के अंतर्गत सरकार द्वारा लगभग 50 हज़ार करोड़ रुपए का निवेश किया किया गया है।
  • यह 125 दिनों का अभियान होगा, जिसे मिशन मोड रूप में संचालित किया किया गया।
  • इस अभियान में छ: राज्यों बिहार, उत्तर प्रदेश, मध्य प्रदेश, राजस्थान, झारखंड तथा ओडिशा को शामिल किया गया है।
  • छ: ज़िलों के 25,000 से अधिक प्रवासी श्रमिकों के साथ कुल 116 ज़िलों को इस अभियान के लिये चुना गया है, जिसमें 27 आकांक्षी ज़िले (aspirational districts) भी शामिल हैं।
  • इस कार्यक्रम में शामिल छ: राज्यों के 116 ज़िलों के गाँव कॉमन सर्विस सेंटर (Common Service Centres) तथा ‘कृषि विज्ञान केंद्रों’ (Krishi Vigyan Kendras) के माध्यम से शामिल होंगे, जो कोरोना के कारण लागू शारीरिक दूरी के मानदंडों को भी ध्यान में रखा गया।
  • इस अभियान में 12 विभिन्न मंत्रालयों को समनवित किया जाएगा, जिसमें पंचायती राज, ग्रामीण विकास, सड़क परिवहन और राजमार्ग, खान, पेयजल और स्वच्छता, पर्यावरण, रेलवे, नवीकरणीय ऊर्जा, पेट्रोलियम और प्राकृतिक गैस, सीमा सड़कें, दूरसंचार तथा कृषि मंत्रालय शामिल हैं।
  • इस अभियान को ऐसे समय में शुरू किया जा रहा है जब COVID-19 के प्रकोप के कारण लाखों प्रवासी मज़दूर गाँवों की तरफ लौट रहे हैं जिससे ग्रामीण क्षेत्रों में रोज़गार की समस्या उत्पन्न हो रही है।
  • मनरेगा के तहत काम करने वाले परिवारों की संख्या भी मई 2020 में एक स्तर पर पहुँच गई है।
  • यह अभियान ग्रामीण क्षेत्रों में ही प्रवासी श्रमिकों को रोज़गार प्रदान करने के साथ-साथ गाँवों के टिकाऊ बुनियादी ढाँचे का निर्माण करने में सहायक है।
  • यह अभियान प्रवासी श्रमिकों तथा ग्रामीण नागरिकों के सशक्तीकरण तथा उन्हें आत्मनिर्भर बनाने में महत्त्वपूर्ण भूमिका का निर्वहन करेगा अर्थात् गाँवों में ही आजीविका के अवसरों को इस अभियान के माध्यम से विकसित किया है।
  • PMGKRA में 50000 करोड़ की लागत लगी है जिसकी उद्घोषणा भारत की वित्त मंत्री निर्मला सीतारमण ने सहाय पैकेज के दौरान की थी। इस अभियान के लिए बिहार, उत्तर प्रदेश, मध्य प्रदेश, राजस्थान, झारखंड और ओडिशा के 25,000 से अधिक अपने गाँव पलायन कर गए प्रवासी श्रमिकों के साथ कुल 116 जिलों को चुना गया है।

Conclusion :

इस अभियान के द्वारा ग्रामीण क्षेत्रों में आधुनिक सुविधाएं भी प्रदान की जाएंगी है। फाइबर केबल बिछाने और इंटरनेट के प्रावधान को भी अभियान का हिस्सा बनाया गया है। यह अभियान ग्रामीण क्षेत्रों में बुनियादी ढांचे का निर्माण करते हुए प्रवासी श्रमिकों के परिवारों को तत्काल राहत प्रदान करेगा। प्रवासी श्रमिकों की वर्तमान स्थिति के अनुसार गरीब कल्याण योजना जैसी योजना की बहुत आवश्यकता है। हालांकि, कार्यक्रम की सफलता इस बात पर निर्भर करती है कि क्या इसका लाभ प्रवासी श्रमिकों तक समय पर पहुंच पायेगा या नहीं। सरकार को सभी प्रवासी मजदूरों का एक डेटाबेस भी बनाना चाहिए जो भविष्य में उनके लिए एक सामाजिक सुरक्षा प्रणाली बनाने के लिए इस्तेमाल किया जा सके।

पीएम स्वनिधि योजना पर निबंध

Introduction : 

हमारे देश के प्रधानमंत्री श्री नरेंद्र मोदी जी के द्वारा 1 जून 2020 को प्रधानमंत्री स्वनिधि योजना को शुरू करने का फैसला लिया गया | इस योजना के अंतर्गत  देश के रेहड़ी और सड़क विक्रेताओं को अपना खुद का काम नए सिरे से शुरू करने के लिए केंद्र सरकार द्वारा 10000 रूपये तक का लोन मुहैया कराया जायेगा | इस स्वनिधि योजना को प्रधानमंत्री स्ट्रीट वेंडर्स आत्म निर्भर निधि के नाम से भी जाना जाता है | इस लोन को समय पर चुकाने वाले स्ट्रीट वेंडर्स को 7 फीसद का वार्षिक ब्याज सब्सिडी के तौर पर उनके अकाउंट में सरकार की ओर से ट्रांसफर किया जाएगा। देश के जो इच्छुक लाभार्थी इस योजना का लाभ उठाना चाहते है तो उन्हें इस योजना के तहत आवेदन करना होगा |  

स्ट्रीट वेंडर आत्मनिर्भर निधि के अंतर्गत विभिन्न क्षेत्रों में वेंडर, हॉकर, ठेले वाले, रेहड़ी वाले, ठेली फलवाले आदि सहित 50 लाख से अधिक लोगों को योजना से लाभ प्रदान किया जायेगा | स्ट्रीट वेंडर आत्मनिर्भर निधि के अंतर्गत रेहड़ी पटरी वालो को अपना काम दोबारा से शुरू करने के लिए सरकार द्वारा लोन मुहैया कराया गया है |

  • इस योजना के तहत छोटे दुकानदार 10,000 रुपए तक के ऋण के लिये आवेदन कर सकेंगे।
  • ऋण प्राप्त करने के लिये आवेदकों को किसी प्रकार की ज़मानत या कोलैट्रल (Collateral) की आवश्यकता नहीं होगी।
  • इस योजना के तहत प्राप्त हुई पूंजी को चुकाने के लिये एक वर्ष का समय दिया जाएगा, विक्रेता इस अवधि के दौरान मासिक किश्तों के माध्यम से ऋण का भुगतान कर सकेंगे।
  • साथ ही इस योजना के तहत यदि लाभार्थी लिये गए ऋण पर भुगतान समय से या निर्धारित तिथि से पहले ही करते हैं तो उन्हें 7% (वार्षिक) की ब्याज सब्सिडी प्रदान की जाएगी, जो ‘प्रत्यक्ष लाभ अंतरण’ (Direct Benefit Transfer- DBT) के माध्यम से 6 माह के अंतराल पर सीधे लाभार्थी के बैंक खाते में जमा की जाएगी।
  • पीएम स्वनिधि के तहत निर्धारित तिथि से पहले ऋण के पूर्ण भुगतान पर कोई ज़ुर्माना नहीं लागू होगा।
  • इस योजना के तहत ऋण जारी करने की प्रक्रिया जुलाई माह से शुरू की जाएगी।
  • इस योजना के लिये सरकार द्वारा 5,000 करोड़ रुपए की राशि मंज़ूर की गई है, यह योजना मार्च 2022 तक लागू रहेगी।
  • यह पहली बार है जब सूक्ष्म-वित्त संस्थानों (Micro finance Institutions(MFI), गैर-बैंकिंग वित्तीय कंपनियों (Non Banking Financial Company- (NBFC), स्वयं सहायता समूह (Self Help Group-SHG),  बैंकों को शहरी क्षेत्र की गरीब आबादी से जुड़ी किसी योजना में शामिल किया गया है।
  • इन संस्थानों को ज़मीनी स्तर पर उनकी उपस्थिति और छोटे व्यापारियों व शहरों की गरीब आबादी के साथ निकटता के कारण इस योजना में शामिल किया गया है।

तकनीकी का प्रयोग और पारदर्शिता –

  • इस योजना के प्रभावी वितरण और इसके क्रियान्वयन में पारदर्शिता लाने के लियेवेब पोर्टल और मोबाइल एप युक्त एक डिजिटल प्लेटफॉर्म का विकास किया जा रहा है।
  • यह प्लेटफॉर्म क्रेडिट प्रबंधन के लिये वेब पोर्टल और मोबाइल एप कोभारतीय लघु उद्योग विकास बैंक (सिडबी) के ‘उद्यम मित्र’ पोर्टल से तथा ब्याज सब्सिडी के स्वचालित प्रबंधन हेतु MoHUA के ‘पैसा पोर्टल’ (PAiSA Portal) से जोड़ेगा।  
  • इस योजना के माध्यम से विभिन्न क्षेत्रो और पृष्ठभूमि के 50 लाख से अधिक लोगों को प्रत्यक्ष रूप से लाभ प्राप्त होगा।
  • इस योजना को विशेष रूप से छोटे दुकानदारों (ठेले और रेहड़ी-पटरी वाले) के लिये तैयार किया गया है, इस योजना के माध्यम से छोटे व्यापारी COVID-19 के कारण प्रभावित हुए अपने व्यापार को पुनः शुरू कर सकेंगे।
  • इस योजना के माध्यम से सरकार द्वारा छोटे व्यापारियों के बीच डिजिटल बैंकिंग को बढ़ावा देने का प्रयास किया जाएगा।
  • इसके तहत ऋण चुकाने के लिये डिजिटल भुगतान करने वाले लाभार्थियों को हर माह कैश-बैक प्रदान कर उन्हें अधिक-से-अधिक डिजिटल बैंकिंग अपनाने के लिये प्रोत्साहित किया जाएगा।
  • इस योजना के ज़रिये रेहड़ी पटरी वालो को आत्मनिर्भर और सशक्त बनाया जायगा तथा गरीब लोगो की स्थिति में सुधार होगा |
  • इस योजना के तहत MoHUA द्वारा जून माह में पूरे देश में राज्य सरकारों, दीनदयाल अंत्योदय योजना-राष्ट्रीय शहरी आजीविका मिशन के राज्य कार्यालय, भारतीय राष्ट्रीय भुगतान निगम, शहरी स्थानीय निकायों, सूक्ष्म एवं लघु उद्यमों के लिए क्रेडिट गारंटी निधि ट्रस्ट और अन्य हितधारकों के सहयोग से क्षमता विकास और वित्तीय साक्षरता कार्यक्रम की शुरुआत की जाएगी।
  • COVID-19 महामारी के कारण देश की औद्योगिक इकाइयों और संगठित क्षेत्र के अन्य व्यवसायों के अतिरिक्त असंगठित क्षेत्र और छोटे व्यापारियों को भारी आर्थिक नुकसान का सामना करना पड़ा है।
  • देश में बड़े पैमाने पर असंगठित क्षेत्र के प्रमाणिक आँकड़े उपलब्ध न होने से इससे जुड़े लोगों को सहायता पहुँचाना एक बड़ी चुनौती रही है। साथ ही इस क्षेत्र के लिये किसी विशेष आर्थिक तंत्र के अभाव में छोटे व्यापारियों को स्थानीय कर्ज़दारों से महँगी दरों पर ऋण लेना पड़ता है। 

Conclusion :

पीएम स्वनिधियोजना के माध्यम से छोटे व्यापारियों को आसान शर्तों पर ऋण उपलब्ध करा कर ऐसे लोगों को COVID-19 के कारण हुए नुकसान से उबरने में सहायता प्रदान की जा सकेगी। इस योजना के अंतर्गत 2 जुलाई 2020 को ऋण देने की प्रक्रिया शुरू होने के बाद, राज्यों और केंद्रशासित प्रदेशों में 1.54 लाख से अधिक सड़क विक्रेताओं ने ऋण के लिए आवेदन किया है जिनमे से, 48,000 से अधिक को इस योजना के तहत ऋण स्वीकृत किया जा चूका है। यह प्रौद्योगिकी का उपयोग करते हुए लोगों की क्षमता को बढ़ाने और कोरोना संकट के समय कारोबार को नए सिरे से खड़ा कर आत्मनिर्भर भारत अभियान को गति देंगे।

प्रधान मंत्री जन धन योजना पर निबंध

Introduction : 

आजादी के बाद भी, भारत में बहुत से लोग बैंकिंग प्रणाली के भीतर नहीं लाए जा सके हैं, इस गंभीर समस्या से निपटने के लिए सम्माननीय प्रधान मंत्री श्री नरेन्द्र मोदी ने प्रधान मंत्री जन-धन योजना को 28 अगस्त, 2014 को शुरू किया, ताकि समाज के बैंक से अपरिचित खंड को मुख्य धारा बैंकिंग में लाया जा सके । यह योजना देश में प्रत्येक परिवार को बैंक खाता और बैंकिंग सेवाएं प्रदान करने के लिए शुरू की गई ताकि व्यापक वित्तीय समावेशन किया जा सके । इस योजना के तहत 25 करोड़ से अधिक नए बैंक खाते खोल दिए गए । 

अधिकांश लोग, जिन्होंने अपने बैंक खाते खोले हैं वे पहले बैंकिंग प्रणाली की परिधि के बाहर थे। प्रधानमंत्री जन धन योजना के उद्घाटन के दिन ही एक करोड़ पचास लाख खाते खोले गये थे। इस योजना में 1 लाख रुपए का बीमा होगा जो विपत्ति के समय पर परिवार की बहुत मदद करेगा। इस योजना के तहत किसानों, आम जनता और अन्य ग्रामीण लोगों के लिए कृषि जैसे अन्य कारणों के लिए लोन लेना सरल हो जाएगा। भारत में नकद धन का कम प्रयोग होगा जिससे काले धन पर नियंत्रण लगेगा और सरकार का खर्च भी बच जाएगा इसके साथ-साथ आमदनी भी बढ़ेगी।

  • 28 अगस्त 2014 को भारतीय प्रधानमंत्री नरेन्द्र मोदी के द्वारा शुरुआत की गयी लोगों की मुद्रा बचत योजना है जन धन योजना। इसे प्रधानमंत्री जन धन योजना भी कहा जाता है जोकि वास्तव में ग्रामीण क्षेत्रों में रहने वाले आम भारतीय लोगों के लिये कुछ अवसर बनाने के लिये लोगों की एक संपत्ति योजना है।
  • प्रधानमंत्री के द्वारा शुरु की गयी ये योजना गरीब लोगों को पैसा बचाने में सक्षम बनाती है। लाल किले पर राष्ट्र को संबोधित करने के दौरान 15 अगस्त 2015 को उन्होंने इस योजना के बारे में घोषणा की। हालांकि इसकी शुरुआत दो हफ्ते बाद हुई।
  • यहाँ रहने वाले लोगों को स्वतंत्र बनाना ही सही मायने में एक स्वतंत्र भारत बनाना है। भारत एक ऐसा देश है जो भ्रामीण क्षेत्रों में रहने लोगों की पिछड़ेपन की स्थिति के कारण अभी भी एक विकासशील देशों में गिना जाता है।
  • अनुचित शिक्षा, असमानता, सामाजिक भेदभाव और बहुत सारी सामाजिक मुद्दों की वजह से भारत में गरीबी रेखा के नीचे रहने वाले लोगों की दर उच्च है।
  • ये बहुत जरुरी है कि पैसा बचाने की आदत के बारे में लोगों के बीच जागरुकता बढ़े जिससे भविष्य में कुछ बेहतर करने के लिये वो स्वतंत्र हों और उनके भीतर कुछ विश्वास बढ़े।
  • बचत किये गये पैसों की मदद से वो बुरे दिनों में बिना किसी के सहारे अपनी मदद कर सकते हैं। जब हरेक भारतीय लोगों के पास अपना बैंक खाता होगा तब वो पैसों की बचत के महत्व को ज्यादा अच्छे से समझ सकेंगे।
  • इस योजना के अनुसार, इस योजना के शुरुआत होने के पहले दिन ही लगभग 1 करोड़ बैंक खाते खोले गये। भारत में अंतिम स्तर तक विकास लाने के लिये मुद्रा बचत योजना बहुत जरुरी है जिसको ग्रामीण क्षेत्रों में रहने वाले लोगों में अपने बचत के बारे में अधिक सतर्क बनाने के द्वारा शुरुआत और प्राप्त किया जा सकता है।
  • खासतौर से, भारत के गरीब लोगों को खोले गये खातों के सभी लाभ को देने, बैंक खातों से उनको जोड़ने के लिये और पैसा बचत के लिये जन धन योजना स्कीम शुरु की गयी। भरतीय स्वतंत्रता दिवस से दो सप्ताह बाद 28 अगस्त को पीएम के द्वारा इस योजना की शुरुआत की गयी।
  • बैंक से उसके लाभ से सभी भारतीय नागरिकों को जोड़ने के लिये एक राष्ट्रीय चुनौती के रुप में इस खाता खोलने वाली और मुद्रा बचत योजना की शुरुआत की गयी थी।

Conclusion :

इस योजना को एक सफल योजना बनाने के लिये बहुत सारे कार्यक्रमों को लागू किया गया है। बैंक खातों के महत्व के बारे में जागरुक बनाने के साथ ही बैंक खाता खोलने के फायदे और प्रक्रिया के बारे में उनको समझाने और लोगों के दिमाग को इस ओर खींचने के लिये ग्रामीण क्षेत्रों में लगभग 60 हजार नामांकन कैंप लगाये गये। इस योजना के अंतर्गत ग्रामीण लोग भी वित्तीय सुविधाओं जैसे – इंश्योरेंस, वाहन लोन, गृह लोन, फसल बीमा आदि से जुड़ सकेंगे। प्रधान मंत्री जन धन योजना में सभी देशवासियो ने बढ़ चढ़ कर हिस्सा लिया, करोडो की तादात में अकाउंट खोले जा चुके है। अब हर व्यक्ति के पास अपना बैंक खाता होगा और वे पैसों की बचत के महत्व को और भी अच्छे से समझ सकेंगे।

प्रधान मंत्री आवास योजना

Introduction : 

सरकार ने 2022 तक ‘सभी के लिए आवास’ बनाने की दिशा में कुछ कदम उठाए हैं। प्रधान मंत्री आवास योजना ने हाल ही में मध्य आय वर्ग, आर्थिक रूप से कमजोर खंड और कम आय वाले समूह की आवास आवश्यकताओं को पूरा करने के लिए अपने दायरे का विस्तार किया है । प्रधान मंत्री आवास योजना जून 2015 में लॉन्च की गई। सरकार ने पानी की सुविधा, स्वच्छता और बिजली की आपूर्ति के साथ सस्ती पक्का घरों के निर्माण की योजना बनाई है।

मूल रूप से यह योजना आर्थिक रूप से कमजोर वर्गों और कम आय वाले समूह वर्गों में लोगों को कवर करने के लिए थी, लेकिन अब मध्य आय समूह को भी शामिल किया गया है। इसका उद्देश्य निजी डेवलपर्स के सहयोग से झोपड़पट्टी के निवासियों के लिए घरों का निर्माण करके झोपड़पट्टी के क्षेत्रों को बदलना है। यह नए निर्माण या मौजूदा घरों के नवीकरण के लिए उठाए गए ऋणों पर कमजोर और मध्यम आय वर्गों को क्रेडिट-लिंक्ड सब्सिडी देने की योजना है। ₹6 और ₹12 लाख के बीच के ऋण के लिए 3 प्रतिशत से 6.5 प्रतिशत की ब्याज सब्सिडी की घोषणा की गई है।

  • लॉन्च: वर्ष 2022 तक ‘सभी के लिये आवास’ के उद्देश्य को प्राप्त करने के लिये 1 अप्रैल, 2016 को पूर्ववर्ती इंदिरा आवास योजना (Indira Awaas Yojana-IAY) का पुनर्गठन कर उसे  प्रधानमंत्री आवास योजना-ग्रामीण (PMAY-G) कर दिया गया था।
  • मंत्रालय:ग्रामीण विकास मंत्रालय।
  • उद्देश्य: मार्च 2022 तक सभी ग्रामीण परिवारों के आवासहीन और कच्चे तथा जीर्ण-शीर्ण घरों में रहने वाले लोगों को बुनियादी सुविधाओं के साथ पक्के घर उपलब्ध कराना।
  • पूर्ण अनुदान सहायता प्रदान करके आवास इकाइयों के निर्माण और मौजूदा गैर-लाभकारी कच्चे घरों के उन्नयन में गरीबी रेखा (बीपीएल) से नीचे रह रहे ग्रामीण लोगों की मदद करना।
  • लाभार्थी:इसके लाभार्थियों में एससी/एसटी, मुक्त बंधुआ मज़दूर और गैर-एससी/एसटी श्रेणियाँ, विधवाओं या कार्रवाई में मारे गए रक्षाकर्मियों के परिजन, पूर्व सैनिक एवं अर्द्धसैनिक बलों के सेवानिवृत्त सदस्य, विकलांग व्यक्ति तथा अल्पसंख्यक शामिल हैं।
  • लाभार्थियों का चयन:तीन चरणों के माध्यम से लाभार्थियों का सत्यापन किया जाएगा जिसमें 2011 की सामाजिक-आर्थिक जाति जनगणना (SECC), ग्राम सभा एवं जियो टैगिंग शामिल है।
  • साझा लागत:इस योजना की कुल लागत का बँटवारा केंद्र सरकार और राज्य सरकारों के बीच 60:40 के अनुपात में किया जाता है, जबकि पूर्वोत्तर तथा हिमालयी राज्यों के लिये यह राशि 90:10 के अनुपात में साझा की जाती है।
  • घर के न्यूनतम आकार को 20 वर्ग मीटर से 25 वर्ग मीटर (एक स्वच्छ रसोई घर सहित) तक बढ़ाया गया है।
  • इकाई सहायता मैदानी क्षेत्रों में 70,000 रुपए से बढ़ाकर 1.20 लाख रुपए तथा पर्वतीय राज्यों में 75,000 रुपए से बढ़ाकर 1.30 लाख रुपए कर दी गई है।
  • शौचालय के निर्माण के लिये स्वच्छ भारत मिशन-ग्रामीण (SBM-G), मनरेगाया वित्तपोषण के किसी अन्य स्रोत से तालमेल बिठाकर सहायता उपलब्ध कराई जाएगी।
  • पाइप के ज़रिये पेयजल आपूर्ति, बिजली कनेक्शन, एलपीजी गैस कनेक्शन इत्यादि के लिये विभिन्न सरकारी कार्यक्रमों के माध्यम से भी प्रयास किया जाता है।
  • निर्माण लक्ष्य का केवल 55% पूरा हो चुका है।
  • ग्रामीण गरीबों के लिये बनाए जाने वाले 2.28 करोड़ घरों में से 1.27 करोड़ से कम घरों का कार्य जनवरी 2021 तक पूरा हो चुका था।
  • लगभग 85% लाभार्थियों के लिये धन स्वीकृत किया गया है।
  • इस योजना ने रोज़गार सृजन में मदद की है तथा कई राज्यों ने अपने प्रवासी मज़दूरों को लॉकडाउन के दौरान रोज़गार उपलब्ध कराया।

Conclusion :

आर्थिक रूप से कमजोर वर्गों और कम आय वाले समूह श्रेणी में जो 6 लाख रुपये तक का ऋण लेना चाहते हैं, उनके लिए 15 वर्षों के कार्यकाल के लिए 6.5 प्रतिशत की ब्याज सब्सिडी है। सरकार आर्थिक रूप से कमजोर वर्गों के लिए राज्यों/संघ शासित प्रदेशों के साथ साझेदारी में किए गए किफायती आवास परियोजनाओं के लिए वित्तीय सहायता प्रदान करेगी। निचले और मध्यम आय वाले समूहों के लिए, प्रधान मंत्री आवास योजना ₹1 लाख से ₹2.3 लाख तक घर खरीदने की लागत को कम कर देगी।

प्रधानमंत्री किसान सम्मान निधि योजना पर निबंध

Introduction : 

किसान भारतीय अर्थव्यवस्था की रीढ़ हैं, लेकिन उनका जीवन दिन ब दिन और अधिक कठिन होता जा रहा है। किसानो की बिगड़ती हालत को देखते हुए सरकार ने “प्रधानमंत्री किसान सम्मान निधि योजना” की शुरूआत की। यह योजना 1 दिसंबर, 2018 से प्रभावी हो गई है। इस योजना के माध्यम से छोटे और सीमांत किसानों को एक सुनिश्चित आय सहायता प्रदान की जाएगी। इस योजना के तहत देश भर में सभी किसान परिवारों को हर चार महीने में रु 2000 की तीन समान किस्तों में रु 6,000 की आय सहायता प्रदान की जाती है।

फंड सीधे लाभार्थियों के बैंक खातों में स्थानांतरित किया जाता है। यह योजना नियमित रूप से किसानो को सुनिश्चित आय प्रदान करेगी। इस आय का उपयोग बीज, उर्वरक, उपकरण, श्रम और अन्य उभरती जरूरतों के लिए किया जा सकता है। लेकिन इस योजना की कुछ सीमाएँ भी हैं। इस योजना का का लक्ष्य छोटे और सीमांत किसानों को कवर करना है, भूमिहीन मजदूर और किरायेदार किसान इस योजना का लाभ नहीं उठा सकते। कुछ राज्यों को छोड़कर, अन्य राज्यों में अभी भी भूमि रिकॉर्ड के लिए डेटाबेस नहीं बन पाए हैं।

  • इस अवसर पर आयोजित कार्यक्रम में केंद्रीय कृषि एवं किसान कल्याण मंत्री ने पीएम-किसान मोबाइल एप भी लॉन्च किया है।
  • इस एप का उद्देश्य योजना की पहुँच को और अधिक व्यापक बनाना है। इस एप के माध्यम से किसान अपने भुगतान की स्थिति जान सकते हैं, साथ ही योजना से संबंधित अन्य मापदंडों के बारे में भी जानकारी प्राप्त कर सकते हैं।

पीएम-किसान योजना की मौजूदा स्थिति –

  • मौजूदा वित्तीय वर्ष के केंद्रीय बजट में प्रधानमंत्री किसान सम्मान निधि (PM-KISAN) योजना के लिये 75,000 करोड़ रुपए की राशि प्रदान की गई है, जिसमें से 50,850 करोड़ रुपए से अधिक की राशि जारी की जा चुकी है।
  • आँकड़ों के अनुसार, अब तक 8.45 करोड़ से अधिक किसान परिवारों को इस योजना का लाभ पहुँचाया जा चुका है, जबकि इस योजना के तहत कवर किये जाने वाले लाभार्थियों की कुल संख्या 14 करोड़ है।
  • केंद्रीय कृषि एवं किसान कल्याण मंत्री ने घोषणा की है कि पीएम-किसान योजना के सभी लाभार्थियों को किसान क्रेडिट कार्ड (Kisan Credit Card-KCC) प्रदान किया जाएगा, ताकि वे आसानी से बैंक से ऋण प्राप्त कर सकें।

प्रधानमंत्री किसान सम्मान निधि योजना –

  • प्रधानमंत्री किसान सम्मान निधि (PM-KISAN) योजना एक केंद्रीय क्षेत्रक योजना है जिसकी शुरुआत प्रधानमंत्री नरेंद्र मोदी द्वारा 24 फरवरी, 2019 को लघु एवं सीमांत किसानों को आर्थिक सहायता प्रदान करने के उद्देश्य से की गई थी।
  • इस योजना के तहत पात्र किसान परिवारों को प्रतिवर्ष 6,000 रुपए की दर से प्रत्यक्ष आय सहायता उपलब्ध कराई जाती है।
  • यह आय सहायता 2,000 रुपए की तीन समान किस्तों में लाभान्वित किसानों के बैंक खातों में प्रत्यक्ष रूप से हस्तांतरित की जाती है, ताकि संपूर्ण प्रक्रिया में पारदर्शिता सुनिश्चित की जा सके।
  • आरंभ में यह योजना केवल लघु एवं सीमांत किसानों (2 हेक्टेयर से कम जोत वाले) के लिये ही शुरू की गई थी, किंतु 31 मई, 2019 को कैबिनेट द्वारा लिये गए निर्णय के उपरांत यह योजना देश भर के सभी किसानों हेतु लागू कर दी गई।
  • इस योजना का वित्तपोषण केंद्र सरकार द्वारा किया जा रहा है। इस योजना पर अनुमानतः 75 हज़ार करोड़ रुपए का वार्षिक व्यय आएगा।

योजना का उद्देश्य –

  • इस योजना का प्राथमिक उद्देश्य देश के लघु एवं सीमांत किसानों को प्रत्यक्ष आय संबंधी सहायता प्रदान करना है।
  • यह योजना लघु एवं सीमांत किसानों को उनकी निवेश एवं अन्य ज़रूरतों को पूरा करने के लिये आय का एक निश्चित माध्यम प्रदान करती है।
  • योजना के माध्यम से लघु एवं सीमांत किसानों को साहूकारों तथा अनौपचारिक ऋणदाता के चंगुल से बचाने का प्रयास किया जा रहा है।

Conclusion :

देश में किसानों की मौजूदा स्थिति को देखते हुए इस तथ्य से इनकार नहीं किया जा सकता की यह योजना किसानों को एक आर्थिक आधार प्रदान करने में महत्त्वपूर्ण भूमिका अदा कर सकती है। हालाँकि कई विशेषज्ञों का मानना है कि योजना के तहत दी जा रही सहायता राशि अपेक्षाकृत काफी कम है, किंतु हमें यह समझना होगा कि इस योजना का उद्देश्य किसानों को उनकी निवेश संबंधी ज़रूरतों को पूरा करने के लिये एक आर्थिक आधार प्रदान करना है, ताकि वे फसल उत्पादन में नवीन तकनीक और गुणवत्तापूर्ण बीजों का प्रयोग कर उत्पादन में बढ़ोतरी कर सकें।

आवश्यक है कि योजना के मार्ग में स्थित विभिन्न बाधाओं को समाप्त कर इसे अधिक-से-अधिक किसानों के लिये लाभदायी बनाया जा सके। केंद्र सरकार को सार्वजनिक और निजी संस्थानों और बाजार एजेंसियों को उचित मूल्य पर कृषि क्षेत्र में सेवाएं प्रदान करने की अनुमति देनी चाहिए एवं उसका लक्ष्य गरीबी कम करना, स्थायी खाद्य सुरक्षा और समावेशी विकास और किसानों की भलाई सुनिश्चित करना होना चाहिए। यह योजना न केवल गरीब किसान परिवारों को सुनिश्चित आय प्रदान करेगी, बल्कि उनकी उभरती जरूरतों को भी पूरा करेगी।

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Abhilash Kumar

The author Abhilash Kumar

Abhilash Kumar is the founder of “Studyguru Pathshala” brand & its products, i.e. YouTube, Books, PDF eBooks etc. He is one of the most successful bloggers in India. He is the author of India’s the best seller “Descriptive Book”. As a social activist, he has distributed his books to millions of deprived and needy students.

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