Hmarram Ezukesawn le Hausakna

 -Malsawmthang Keivom

            September 1999 khan USA-a kum 40 hnuoi tieng mi hausa sawmli an thlangsuok a, hienghai laia 1-10 chen sumhlawkna chu IT (information technology) kawmpani le inzawm a nih.

A danghai sum hmuna chu pizza kawmpani, miuzik kawmpani le inkhelna tiengpang dam a nih. Hiengang bawk hin India Today magazin March 10, 2008 issue a khan India rama kum 40 hnuoi mi hausa pahni thlalak le chanchin tawite an hung tarlang a. Sameer Gehlaut (33) le Rajiv Rattan (34) hai hi IIT-ah an inchuk zo hnungin Indian stock market-ah an lut a, an lungvar an hmang thiem leiin naupang te’n mi hausa an kai phak tah a nih. Gehlaut a hausakna hi cheng vaibelsie sangruk a n’a, Rattan a hausakna chu cheng vaibelsie sangthum a nih. An tleirawl lai hretu Vai pakhatin a mi hril dan chun hienghai pahni hi Rs. 10,000 vel chaua intan an nih. Indian share market hi ngun takin an inchuk a, a suk a tunga an lumlet zek hnungin stock, bond, mutual fund le equity ah investment an tan a, an hlawk tung pei a, kumriet sung chauin mi hausa an kai phak a nih. Sawrkar sin zawng buoi khawm a ngai nawh. An kawmpani hming chu Indiabulls a nih.

            March 9, 2008 zan khan BBC World, Inside China (Chinese School), pawrawkram ka en a. Ka lungril a tawk bek bek el! Zing dar 6 a inthawk zan dar 10 chen sikul an kai a, an hotuhai taimak dan chu hril ngaina khawm a um nawh. Zan dar 10 hnunga sikul-a la thung nuom pawl dam an um hlak leiin an hotuhaiin an hnawt dawk hlawl chang dam a um. Hi sistem hi kum 30 lai an lo thaw ta hlak a nih. China rama sikul tha tak takhai hin vawisuna an ngirhmun a siem dan ka ngaituo dawk ur ur a. Thieminzir run lo pawimaw dan hi chu aw...! Vawisuna China ram hausakna intluntuhai hi kum 30 vela inthawka hotu inpe zo tak tak haiin thi-le-thau senga an lo inchuktirhai kha an nih ti ka hang hrietsuok chu ka na rawng rawng el. Hmarram ka ngaituo naw thei nawh! India ram hausakna khawm hi a tam lem chu kum 30 vel liem tah a inthawk Vai rama sikul tienga inchuktirtuhai sin inrim ra kha a lo nih. Hieng sa khawm hin tulai khawvel sikula inchuktirna hai hi a tha tawk nawa ngai pawl khawm an tam el.

            Tulai sikulin ei inchuktirna-a ei ngai pawimaw tak chu naupang an hung puitling huna an sin thaw ding a nih. India rama chu a tam lemin ei nauhai hi IAS le IFS ni ding damin ei hang dit phawt a. A thenin enginiar ni hai sien, a thei lem chun fakruk ding tamna hmun tak a khan pawsting hang hmu nawk nghal hai sien ti dam a nih ei duthusam chuh. IRS lem hi chu ei dit taluo a, ei zer a far thluk thluk el an naw’m a nih? Ei vizawn khawm hi a’nfuk naw zo vawng tawl an tah. Hausakna hi a tha taluo rak a, nisienlakhawm a lampui indik le hausakna indik ei zawng a tul a nih. Nu-le-pahai ei khawnghat a’ndik naw leiin ei nauhai khawnghat khawm a hung indik naw ve pei a. Ei mawlna leia khawnghat indik lo khawm ei tam. Ei lungrila det tlat chu kawrapsawn thaw naw chun hausak dan ding lampui a um naw anga ngaina hi a nih. Hausak dan lampui tha le indik tam tak a um ti ei hriet naw leia kawrapsawn chau ei lungrila um khawm a ni thei. A chunga kum 40 hnuoi tieng hausa ei tarlang ta hai kha kawrapsawn um loa hausa vawng an nih.

            Eini lai chu a bik takin kawrapsawn hung intanna chu sawrkar, kohran le sumhlawk zawnghai lai a nih. Sawrkar thawktuhaiin hausak an nuom leiin a thaw dan ding dang an hriet si nawh, an ngirhmun chu remchanga hmangin indik naw takin sum an zawng hlak. Kohranhai khawmin ei kohran membar an tam theina dingin chawm naupang ei zawng a, chawm naupanghai chawmtu ding Sapramah ei zawng nawk a. Mi’n lungril le titak zeta naufahra enkawlna ding thawlawm an hung thaw hai kha eini lai kohran pawl zawngna dam le mani insung intungnungna ding damin ei lo hmang hlak a nih. Hi hi ngei hi kawrapsawn indik tak chu a nih. Sumhlawk zawngtuhaiin awlsam le inrang taka hausak an nuom hlak leiin sumhlawkna indiklo an thaw hlak. Taima-in ei lungril Pathienin hmang dinga a mi pek hi hmang tangkai nuom in la chu kawrapsawn hi a tul thak nawh. Kawrapsawn ei ti hi a’ntanna pawimaw tak pakhat chu mawlna hi a nih.

            Naupang chu an chintea inthawk sum inthieng taka an hmu dan ding, an hausak dan ding inchuktir in la chu an hung lien pha kawrap naw tawp an tih. Chu lei chun ezukesawn tha ei pawimaw a nih. Naupang chau ni loin puitling khawmin ezukesawn tha ei pawimaw. Fainansial ezukesawn a tharin ei inchuk a ngai a nih, ei naupanghai a bulthut chite bek ei inchuktir theina dingin. Lekhathiem tak tak khawm a tam lem chu mi mawl vawng ei nih. Ka zuk tina san chu fainansial ezukesawn ei hriet nawh lei a nih. Ei artikul hmasahai – Talent Fawrmula le Hausak Dan Thuruk – kha ei tiem seng ring a um. A tam lem chun Malsawmthang hi a va tisa mi tah lawm lawm de, mi ti mei an tih. ‘Hi kawng thua hin ka tisa mi nawh ie!’ ka ti nuom a nih. Talent tekhithu le Mina sawm tekhithu hai hi hausakna thuruk ropui taluo an lo nih. Hi neka praktikal biuzines le ekonomik thuruk inchuk dan ding a um di’m a nih ka ti hiel a nih. Ei Lalpa Isu Krista var dan hi chu mak tak a nih, Pathien a ni hrima.

            Tuta ka sin thaw lai zing zawm dinga 1991-a Delhi ka hung khan ka mawl dan chu vutluo chem mawl nek khwmin ka mawl lem. BA ka pasi tawk a, sin ka hmu tawk tawk a, ka zawm thei tawk tawk chau a nih. Ka pasie rapthlak el bawk. Fainansial ezukesawn tha tak lo nei lang chu hma ka sawn hrat ding vei leh. Ei sin thawna ei zawm hin ei thiltum zo ang dera ei in-ngai hi ei mawlna pakhat a ni nawk bawk. Ei sin ei hmangai ngawi ngawi a, ei sin thawna-a inthawk ei hotuhaiin mi ban an tih ti dam ei inlau a. Ieng tik lai khawm ei ti dawr dawr a. Sin nei e ti loin, ei hun rinumna’n tu mi hriet pui mang loin ei hmang zo hlak. A tawpah ei thlatin hlawhai Vaihai ti dan angin ‘My hard earned money!’ ei hang ti ve bawka. Harsa ngawi ngawia ei hlaw dawk hai Vaihaiin an mi hei lakpek nawk vawnga. Ei thla hlawah ei in-nghat taluo a, sukpung dan ding lungril khawm ei phan phak nawh. Hausakna hi ei ta dingah ei sie naw tawp el a nih. Anachu sum ei inhnarna a bo chuong si nawh. Money game hi suol ang damin ei ngai. Pawisa hi suol anga a’nlang nasan chu mihriem ei suol lei a nih. Hiengang ngaidan po po hi a tira fainansial ezukesawn ei lo nei naw lei a n’a, mawlna inril tak a lo nih. Vai ram ei hung tlung a,income tax umzie dam ei hung hriet liet liet a. Investment  thaw chu kahase!

Ei ezukesawn bulthut a that naw leiin ei rama sum-le-pai enkawlna tieng hrietna khawm a tlawm nawk zuol a. Aithing, vaimim, sipui le hmarcha ei ching a, khawvela sumdawng thiem takMarwarihai kuomah ei hang zawr nawk a. Chu naw chuh fainansial ezukesawn ei lo nei ngai naw hrim hrim. Marwari le Saldarjihaiin an nuom po leh aithing man an suksang a. Aithing man a tha anga ngaiin a hawnpuiin, a tel telin aithing bil ding rampui ei vat kuo dei duoi a. A kumnawk aithing zawr a hung huna, aithing man an lo sukhnuoi nawk a. Kumpui lingleta ei sin thawna, zawr naw thei hlak ni ngai lo. Aithing ei ching nuom ta naw charin aithing man an hung suksang nawk a, a pang-ngai ang charin a hawnpuiin aithing bil ei siem nawk ut ut a. Ei thaw dan pang-ngai angin ei inkuol inkuol hlak a nih. Hazat um tak chu a nih. Ei rama ei khawsak dan hai a hin inchuk ding um ai lo chuh!

            An leh hausakna dinga ezukesawn chu iem ning a ta? Ei inchuk tanna dinga tha pakhat chu paper asset investments (savings, stocks, bonds, mutual funds) hai hi a nih. Paper asset investmenta hin a then chu liability a uma, a then chu profit earning asset a um bawk. Profit earning asset chu ei zawng ding tak a nih. Liability ei ti ruok hi chu share ei inchawk a, a hlawk tieng neka a man a hung inhnuoi hi a nih. Hiengang share hi ei inchawk fuk nawna dinga fimkhur ding a nih. Cheng 5000 khawma intan thei a nih. Ei intan hma’n hun iemani chen zet inchuk a tha. Vaihai bawk ei indawn a, a kawitan tak. An hemtubawk hmang dan inchuk ei ta, ei thiem pha leh anni ei vuok ve theina dingin. Kawmpiutar le internet hmang thei seng ei nih. SEBI website ei hawng a, mania inchuk thei ding tam tak a um. Hitaka inthawk bengvarna ei hung nei chu fainansial ezukesawn pakhat a nih. ICICI, HDFC le Axis Bank a hai account hawnga stock market-a lut thei zing a nih. Vai rama um hai poin stock market-a trading thaw dan ei hnesaw chun ei ram tieng ei hrietna ei phur lut ding a nih. Chu chu Hmarram siemthatna dinga sirbi pawimaw pakhat a nih. Hmar tawng a hin biuzines tawng thumal a tlawm taluo a, chu lei chun ei pasie bik rieu a nih. Tawng thumala ei pasietna chu a tak khawmin ei pasie hlak.

            A nei deu haiin real estate a invest dan inchuk nawk zuol ei tiu. Entirna’n, Pu Lalruotthangin Dwarka(Delhi)-a a in (flat) Rs. 30,00,000 zetin a zawr a, in (flat) dang Pu Hlira Pulamte in kawl hnaiah man tam rak loin a’nchawk nawk a. A pawisa chuong a thenin Rengkai khuo, Tuithaphaiah, Rs. 3,00,000 velin in hmun a’nchawk nawk a. Fainansial ezukesawn pakhat hang hril zawk ka tih. Pu Lalruotthangin Dwarka-a flat a’nchawk laia lawn (loan) a lak kha la zuk thung zo el naw sien, a san chu a lawn lak khan kumtina income tax a pek ding iemani zat zet rebate a hmu thei a, chu chau chu ni loin inflation hung um pei kha a hmang tangkai a nih. Ka hriet suol an naw chun home loan a hin insurance a um a. Tuta home loan a la thung zo lo po a ding hin insurance siem thar bawk sien. Vangduoi thilah a lo thung zawm thei naw khawmin a insurance khan a home loan lak kha a thungpek vawng ding a nih. Rengkaia in hmun a’nchawk nek khan tuilo (paddy field) parikhat inchaw sien, kumtin a san man buhum pawt 40 la sien, a buhum chu a kum nawk favang lai tak zawr sien, a hlawk inkhawl peiin kumhni hnungah a GPF Rs. 2,00,000 ladawk nawk sien, lo parikhat a’nchawk sa nawk thei ding a nih. Chuongang pei chun a lo san man inkhawl pei sien, kumhni dan peiah a GPF ladawk nawk pei sien, tuilo dang a neka lien inchaw sa pei a t’a, a tawpa chu hausapu a kai el ding a nih. Tuilo thar a’nchawk zatin a hma neka a leta lien lem a’nchawk zie thei ding a nih. Money game ei ti chu 1,2,4,8,16,32.... a nih.

            Sumpui tam bek loa intan khawmin sumhlawk dan ding chidang dang a um. Tuta inthawk chu ‘sumdawng’ hi Hmar tawng vawkabulari-ah a sie’n sie ringawt tang ei ta, thumal thar dingin ‘sumhlawk’ ei ti ta ding a nih. ‘Dawng’ ti hi a tha nawh; ‘bo’ annawleh ‘chan’ tina a nih. ‘Business’ hi ‘sumhlawk’ ti ding an tah.

            Indik taka milianer kaina ding chun kum 20 vel a lut a nih an tih. A harsat vanglai tak chu a bul tana inthawk Rs. 50,00,000 chen vel nei thei hun hi a nih. Hi khel tieng hi chu pawisa ei hnawt ngai loin pawisa’n a mi hnawt ta hlak a nih an tih. A’nhawi awm! Sumhlawk thaw tana inthawk kum 18 sung vel hi chu sum laklut a tam bek nawh a, a tawp tieng kumhni sung ruok hin chu hriet naw karin a pung huk huk el a nih an ti bawk. Information Age a um ei ni leiin kum 20 sunga mi hausa kai theina hun hi kum 10 velin a hung inhnuoi thei tah an ti nawk pei a nih. A hma tienga ei hril zawk mi hausa naupang te tehai khawm kha Information Age hmang thiem pawl an nih. India ram ekonomi hi mi hausahaiin an kawntrawl a nih. Sawrkar danhai hi Minister  thu nei thei deuhai hmangin anni hlawk theina ding zawngin an siem danglam hlak a nih. Tulai hnai el khan India ramah bufai le gehu a tlawm ta leiin impawt diuti (import duty) um loa lak lut thei a nih ti thu NDTV-ah an puong khah. Impawt diuti a um naw sung po a hausahaiin lo impawt teu an ta, diuti a hung um pha chawl nawk hmak an ta, bufai le gehu a hung tlawm charin hlawk deuin an zawr nawk char char ding a nih. Hiengang ngaituo theina hi fainansial ezukesawna intan vawng a nih. Chu lei chun ei Hmarram ezukesawn hi ei invawi naw thei nawh. Aw kan Hmarram, truoilopar anga i vul zing ding hun hi kan va nghakhla ngei! Iengtikam ka lung awi a ta? [Gaborone, 24th March 2008]