ikf;Nuhfphpbl; gTz;Nlrd; M/g; ,e;jpah> 2002 Mk; Mz;L> fpuhkg;Gw kf;fSf;F flDjtpia kpfTk; rpwe;j tifapy; toq;Ftjw;fhd topKiwfis cUthf;Ftjw;fhf kiwe;j Dr.K.M. jpahfuh[d; mtu;fshy; epWtg;gl;lJ.

Dr.K.M.jpahfuh[d;> ghq;f; M/g; kJuhtpd; jiytu; kw;Wk; jiyik eph;thfpahf ,Ue;jNghJ> mtu; Jtf;fpitj;j Ez;flDjtpj; jpl;lj;ij M F I gpd;gw;wpaJ. 1995 Mk; Mz;L Kjy;> ghq;f; M/g; kJuhtpy;> fpuhkg;Gwf; flDjtpapd; %yk; ePz;lfhyk; ,yhgfukhf ,aq;Fk; tu;j;jfj;ij tbtikg;gjw;F Racjtpf;FOtpw;fhd gapw;rpiaAk; flDjtpj; jpl;lj;ijAk; mspf;Fk; “khjpupj; jpl;lk;” (BOM-SHG Model) xd;iw Dr.K.M. jpahfuh[d; Kaw;rp nra;jhu;. gpujhd tq;fpfspd; nray;Kiwf;F Vw;w tpjj;jpYk;> jw;NghJ eilKiwapYs;s ,yhg Nehf;fpy;yhj epWtdq;fs; epidj;Jg; ghh;f;f ,ayhj mstpYk;> xU nray; jpl;lj;ij Vw;gLj;jp> fpuhkg;Gwg; gFjpfSf;F Fiwe;j tl;bapyhd %yjdj;ijf; nfhz;L Nrh;g;gNj ,jd; Nehf;fkhFk;. ,jd; nray;ghLfSf;fhf> 95 fpuhkg;Gwf; fpisfs; jahh;gLj;jg;gl;L> mtw;wpw;F midj;J trjpfSk; nra;J nfhLf;fg;gl;lJ. fpuhkg;Gw tq;fpf; fpisfSld; njhlu;Gs;s tu;j;jfj;jpw;Fg; Gj;Jap&l;b mtw;wpd; tpupthf;Ftjw;Fk;> fpuhkg;Gw tq;fpfis ,yhgfukhd kw;Wk; Jbg;ghd tu;j;jf ikaq;fshf khw;Wtjw;Fk;> ,k;Kaw;rp ntw;wpfukhff; ifnfhLj;jJ.  2000-Mk; Mz;Lf;Fs;> ghq;f; M/g; kJuh> 1500 Ra cjtpf;FOf;fis epWtpaJ.  ,jd; %yk; “xU tu;j;jf tq;fpahy; Neubahf Nkw;nfhs;sg;gLk; kpfg;ngupa Racjtpf;FOj; jpl;lkhf” ,J jpfo;e;jJ.

Racjtpf;FO kw;Wk; Ez;flDjtpj; jpl;lj;jpw;F> ,e;jpahtpd; njhlu;G KOikahd> Ntshz;ik kw;Wk; fpuhkg;Gw tsu;r;rpf;fhd Njrpa tq;fp (NABARD) elj;jpa Ma;T xd;wpy;> “ghq;f; M/g; kJuhtpd; Racjtpf;FOj;jpl;lk;” xU ntw;wpfukhdJ vd ntspaplg;gl;Ls;sJ. ,j;jpl;lj;jpd; %yk; FWfpa fhyj;jpy; vl;lg;gl;Ls;s rhjidfisg; guprPypf;Fk;NghJ> fpuhkg;Gw Vio ngz;fSf;Ff; fpilf;Fk; r%f kw;Wk; nghUshjhu Nkk;ghLfspd; mbg;gilapy;> cz;ikapNyNa ,J xU ntw;wpfukhdj; jpl;lkhff; fUjg;gLfpwJ. ,J khdpak; (m) js;Sgbfs; vJkpy;yhj> Xu; xUq;fpize;j fpuhkg;Gw tsu;r;rpj; jpl;lkhFk;. ,jpy;> fld;njhif E}W rjtPjk; jpUg;gpr; nrYj;jg;glNtz;Lk;. NkYk;> fld;njhif> chpa njhopypy; gad;gLj;jg;gLtNjhL Mf;fG+u;tkhd nrhj;Jf;fis cUthf;fTk; gad;gLfpwJ. “NABARD kw;Wk; ikf;Nuh igdhd;];” vd;w NABARD mwpf;ifapy; “,e;jpahtpd; Kjy; jukhd SHG Kd;khjpupj;jpl;lk;” vd;w rpwg;Gf; Fwpg;gpidAk; ghq;f; M/g; kJuh ngw;Ws;sJ. Mf> rhpahd epWtd gf;fgyKk; kw;Wk; re;ijg;gLj;j Njitahd nray;rhjdq;fSk; cUthf;fg;gl;lhy;> Ez;flDjtpj; jpl;lj; JiwahdJ> tq;fpr; Nritapy; Kf;fpag; gq;fpid tfpf;f KbAk; vd;w mq;fPfhuj;ij ,J mspj;jJ.

2000- Mk; Mz;L> ghq;f; M/g; kJuh ICICI tq;fpAld; ,izf;fg;gl;lJ. 2003- Mk; Mz;by;> jkpo;ehl;by; ICICI tq;fpapd; eputhfj;jpd; fPo; ,Ue;j Ra cjtpf;FOf;fis (SHG) ikf;Nuhfpupbl; gTz;Nlrd; M/g; ,e;jpah Vw;Wf;nfhz;lJ. ,it> gpd;du; 10>000 tiu tpupthf;fg;gl;lJ. ,d;iwa #o;epiyapy;> M F I, 26>0000f;Fk; Nkw;gl;l Ra cjtpf;FOf;fis (SHG) epu;tfpj;J tUfpwJ. SHGf;fis mikj;J> flidj; jpUg;gpr; nrYj;Jtjpyhd mtu;fspd; jpwid kjpg;gpl;L> gpd; flDjtpia toq;Ftjw;fhf mjd; $l;lhz;ik epWtdq;fsplk; gupe;Jiu nra;tjpy; MFI xU Kf;fpag; gq;fpid Mw;WfpwJ. fpuhkg;Gw kf;fSf;Ff; flDjtpia mspj;jy; kw;Wk; fpuhkg;Gwj; njhopy;KidNthu; jpl;lj;ijAk; rg;is Row;rpiaAk; Nkk;gLj;j> MFI Gjpa nray; rhjdq;fis tbtikg;gjpYk; <Lgl;Ls;sJ.