Citizens' Issues
A bank run by beggars, for beggars in Bihar town
A group of beggars in this Bihar town has opened their own bank, which they run and manage to provide financial security in times of crisis.
 
Dozens of beggars, who have been depending for their survival on alms from hundreds of Hindu devotees at the gate of 'Maa Manglagauri Mandir' (temple) in Gaya town for years, have started the bank.
 
The beggars call it Mangala Bank.
 
"It is true that we have established a bank for ourselves," said Raj Kumar Manjhi, one of the 40 beggars who are members of this unique "bank".
 
"Bank's manager, treasurer and secretary along with one agent and other member, who are running and managing it, are all beggars," Manjhi told IANS in Gaya, about 100 km from here. Manjhi, incidentally, is the manager of the bank.
 
Manjhi, who is literate enough to manage the accounts and other works of the bank, said: "Each of us (beggars) deposits Rs.20 every Tuesday in the bank that comes to Rs.800 weekly deposit."
 
Malti Devi, who is secretary of the bank that was established six months ago, said: "It began last year with a big hope and to fulfill aspirations of beggars. We are still not treated well in the society because we are poorest of the poor." 
 
Malti now reaches out to more and more beggars by opening their account.
 
"Most of the beggars who are members of the 'bank' have neither BPL (Below Poverty Line) card nor Aadhaar card," she said.
 
Manjhi's wife Nagina Devi is treasurer of the bank. She said: "My duty is to manage the deposit money." 
 
Bank's agent Vanarik Paswan said his job is to collect money from each member weekly for deposit.
 
Manjhi said their bank helped him when he faced an emergency. 
 
"Early this month, my daughter and sister sustained burn injuries while cooking. The bank has provided me a loan of Rs.8,000 for their medical treatment. It is an example of how the bank can help a beggar like me without any paper work or guarantor as practiced in nationalised and private banks," he said.
 
Manjhi would not have to pay interest on his loan for a month.
 
"The bank has made it mandatory to pay interest on a loan at the rate of 2 to 5 percent from next month to put pressure to pay back loan amount," Malti said.
 
Beggars like Nathun Budha, Basant Manjhi, Rita Masomat, Dhaula Devi said that they were happy that at least now they have their own bank.
 
"We saved some money at least now and deposit in the bank," said Basant.
 
Rita said they have been depositing money in the bank to meet her future needs.
 
Nathun added that what was unique about their bank is the fact that it is owned and managed by beggars who decide on the rules and regulations themselves.
 
The beggars were encouraged to start their own bank by officials of State Society for Ultra Poor and Social Welfare last year.

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COMMENTS

Gopalakrishnan T V

3 years ago

It is a shame on the nation that after 66 years of independence there are beggars and they have to start their own banks to take care of them. The countrey has numerous scehmes to help the poorest of the poor and this sort of a bank run by beggars for beggars is a reflection and sad commentary that all the schemes meant for poor have not benefited many and begginng continues to be a profession. Icould not believe when some one said that somebody runs a begging industry and the turn over is huge.This news confirms that anything is possible.I also happened to hear a complaint that a beggar who was keen to have an account in a bank was not allowed to open an account as the bank took a stand that beggars cannot be allowed to open account in banks and this had to be sorted out by highlighting and impressing upon the bank that any customer has to be treated as King and the beggar cannot be denied the facility and he is on par with any other deposit Customer.The news is heartening that there are industrious and enterprising people and given an opportunity they will establish themselves.

Notaries can’t issue marriage registration certificates: HC

As per the law, marriages can be registered only with the Registrar of Marriage, who is authorised to issue marriage registration certificate

 

The Karnataka High Court asked the Law Secretary to issue a circular to all notaries across the State directing them not to issue ‘marriage registration certificates’ as the law did not authorise them to issue such certificate. The court directed the Registrar of the City Civil and Sessions Courts, Bangalore, to issue similar circular restraining notaries from issuing certificates solemnising marriage.
 
As per the law, the marriages can be registered only with the Registrar of Marriage, who is authorised to issue marriage registration certificate. A Division Bench comprising Justice K.L. Manjunath and Justice Ravi Malimath issued the directions when it noticed a ‘marriage certificate’, issued by a notary at the City Civil and Sessions Courts complex in Bangalore, during the hearing of a habeas corpus writ petition.
 
“We are noticing that the notaries are issuing such certificates in respect of declaration of marriage. In fact, they [notaries] are playing with lives of the people. Notaries are misleading people by issuing such certificates. It is not a valid document,” the Bench observed. The Bench issued the direction after summoning the Registrar of the City Civil and Sessions Court and the notary, who had issued the certificate. The notary apologised to the court.
 
Manoj had filed the petition seeking a direction to the police to produce his “wife”, while alleging she was in the illegal custody of her mother and brother-in-law. The petitioner had produced a certificate issued by the notary, solemnising their marriage, to claim that he had married her in May 2012. However, the police investigation found that the woman, a divorcee, did not marry Manoj after finding out that she would not have a comfortable life with him.
 

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COMMENTS

Vaibhav Dhoka

3 years ago

One can get anything notarized at an cost.One find notaries sitting in van car.

Take care of disabled people as per law, governments told
The Supreme Court order came after senior counsel VK Tanha gave his suggestions following his visit to Asha Kiran - a home for the mentally retarded people in Delhi - during the hearing of a petition by Reena Banerjee
 
The Supreme Court Thursday issued notice to the central and State governments and union territory administrations for enforcement of law to support the people with physical disability including mentally challenged so that they can live with "dignity and respect".
 
Noting that people with physical disabilities were living in pathetic conditions, a bench of Justice Dipak Misra and Justice Prafulla C Pant said that all the state governments have a definite role to see that the law to support the persons with disabilities which includes the mentally challenged people is properly implemented and they are "taken care of as commanded by the act.
 
The court order came after senior counsel VK Tanha gave his suggestions following his visit to Asha Kiran - a home for the mentally retarded people in Delhi - during the hearing of a petition by Reena Banerjee.
 
The Persons with Disabilities (Equal Opportunities, Protection of Rights and Full Participation Act, 1995 identifies the nature of disabilities and the obligation of the state to support people suffering from such disabilities.
 
Noting that the matter being dealt by it was rooted in the order passed by the Delhi High Court, the court in its order said: "Yet the pathetic situation of this category of persons which have been highlighted before us in other states cannot be ignored or marginalised."
 
It sought a comprehensive study of the situation where this "class of people are treated with dignity, respect and as far as practicable feel a part of the main stream of life".
"We are not oblivious of the fact that in every case, it may not be possible but there has to be an attempt to identify the possibility. We have been apprised at the bar that the said effort has not been made and, if made, that is not adequate enough to meet the real challenge."
 
Directing the next hearing of the matter on July 8, the court in its order said: "This court hopes and trusts that the Union of India and all the states and union territories shall respond without taking recourse to any kind of subterfuge and none should take adversarial position for the present cause has its own sacrosanctity."
 

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