sf7df8f}+ — glan a}+sn] glan kmf]gnf]g (Foneloan) sf] Go"gtd ;Ldf / cfkm\gf] l8hL6n kmfOgflG;ª k|8S6sf] bfo/f a9fPsf] 5 . o;cl3 glan kmf]gnf]g (Foneloan) sf] ;Ldf ?= ! nfv /x]sf]df To;nfO{ a9fP/ ca ?= @ nfv k'/\ofOPsf] 5 . o;sf cltl/Qm o:tf] nf]g lngsf nflu of]Uo ;d"xsf] bfo/f klg s]xL a9fOPsf] 5 .
glan a}+s, kmf]gnf]g (Foneloan) sf] cjwf/0ff sfof{Gjogdf Nofpg] b]zs} klxnf] a}+s xf] . ca glan a}+sdf lgoldt art vftf ;~rfng ug]{ u|fxs tyf glan a}+s;Fu cfa4 So"cf/ dr]{G6x? klg kmf]gnf]g (Foneloan) sf nflu of]Uo x'g]5g\ . o;cl3 eg] glan a}+sdf tna vftf ePsfx?n] dfq o:tf] nf]gsf] ;'ljwf kfO/x]sf lyP .
o:t}, glan a}+sn] kmf]gnf]gsf ckm/x?nfO{ klg cku|]8 u/]sf] 5 . ca o:tf] nf]gsf nflu of]Uo u|fxsx?n]] glan :df6{ a}+s Pksf] l:s|gdf kmf]gnf]g (Foneloan) sf] cfOsg b]Vg]5g\ . a}+sn] u|fxsx?sf] ;'ljwfsf nflu …Buy Now Pay LaterÚ sf] ;'ljwf tyf nf]gafkt lnPsf] /sd r'Qmf ug{ OPdcfO{sf] ;'ljwf ;d]t pknAw x'g] ePsf] 5 .
u|fxsx¿n] vl/b ubf{ s'g} klg kmf]g k] dr]{G6 So"cf/ sf]8x¿ :Sofg ug{ ;S5g\ / cfˆgf] vl/bsf] dfl;s ls:tfdf e'QmfgL ug{ r]scfp6sf] a]nf ‘Buy Now Pay Later’ sf] ljsNk /f]Hg ;S5g\ .
cfˆgf Foneloan aSof}tf rfF8} ltg{ vf]Hg] u|fxsx¿n] cfˆgf] Foneloan l;w} cfˆgf] Pkaf6 lk|k] ug]{ ljsNk klg pknAw x'g]5 . o; cGtu{t glan a}+sn] s'g} k"j{e'QmfgL z'Ns glnO{ u|fxsx¿sf] vftfdf kof{Kt /sd ePdf C0fsf] tTsfn lgsf;L ug{ cg'dlt lbG5 .
…g]kfndf a}+lsª cem} klg ljsf;sf] k|lqmofdf 5, t/ clxn] d'Votof sfg"gL / lgofds Joj:yfsf sf/0f / PgkLP Joj:yfkgdf ;xhtfsf sf/0f lwtf]df cfwfl/t C0fdf s]lG›t 5,Ú glan a}+ssf P;PdO{ P08 dfOqmf]kmfOgfG; k|d'v lg/h a:g]t -8lgn_n] atfP . …xfn}sf lbgx¿df xfd|f] hf]lvdaxg Ifdtf a9\b} uP klg, xfdLn] lwtf]df cfwfl/t nf]g (collateral-based loans) af6 Jojxf/ / gub k|jfxdf cfwfl/t qm]l86 -behavioral and cash flow-based credit) df ;g{ cfjZos 5 . oxL p2]Zo k|flKtdf kmf]gnf]gsf] :jrflnt qm]l86 cG8//fOl6ª / C0f Joj:yfkg klxnf] r/0f xf],’ pgn] yk] . …xfdL of] k|8S6sf] k|efjsfl/tf, ;fy} u|fxssf] dfuk|lt klg ljZj:t 5f}, oxLsf/0f klg glann] kmf]gnf]gsf] ;Ldf / of]Uo ;d"xsf] bfo/f a9fPsf] xf],Ú pgn] k|i6 kf/] .