Kawlram (Laithlang) ah kan chawva phum (khong) hna usih (Part II)

June (2016) thla dihlai ahkhan "Hornbill Investment Partnership" ah phaisa a phumtu (partner) pakhat nih "phaisa ka phummi kha thil sining a tluan lio a si ko ahcun zeimawzat in chapchuan ka duh ko" tiah phone a ka chawnh. "Aw, Brexit nihkhan fak ngai in voikhat den cu an kan den nain atu cu kan tluang t'han ko cang. Sihmanhsehlaw, naihrawng hi keimah zongnih voidang bantukin phaisa ka chap lo, a ruang cu Kawlram ah caant'ha a tamtuk tiin ka ruah caah kan khon khawhmi phaisa hnihkhat cu Kawlram lei ah ka tlunter lio a si. Nanmah cio zongnih nan tuah dingah kan duhpiak ngai hna caah zeimawzat kan i chimruah lai i na lung an laak hlei lo a si ahcun phaisa cu na chap ko lai" tiah ka leh. Suimilaam pakhat renglo bia kan iruah hnu ah, "Kawlram lei thil umtuning kong na ka chimhmi cu kaa lawm, ka hnabei a sei tuk ve, ka nulepa le ka unau pawl ka hei chimhruah ve phawt hmasa hna lai" a ti.

Rethei zaangba tukin rian kan t'uan hnu ah kan hmuhmi phaisa tlawmte chungin hmailei caah kan khon khawhmi chawva tlawmpalte taktak cu Kawlram bantuk hmunhma ah a langhlat in riant'uan (phum) ding ah ka rak ruat kho bak lo. Thil sining a tlam a laang lo tuk i sunghnak lam (risk) a tamtuk lawmmam caah ka siang lo rumro, ka rak ti zungzal. "Hornbill Investment Partnership" i ka partners pawl sin zongah phaisa phumnak dingah Kawlram nih ka lung a ka laak lo tuk nak kong hi ka rak chim lengmang. Cucaah, nikum kum dongh tiang ahkhan keimah pumpak phaisa siseh ka tawlrelmi partnership phaisa siseh, Kawlram ah ka rak phum bak lo. Sihmanhsehlaw, a luancia caan zeimawzat thok khan kan innchungkhar hmailei caah tiin thla tin in kan khon khawhmi phaisa tlamte cu a um chom in Kawlram ah rian kan t'uanter cang. Kawlram chungah buaibainak pipa a chuah lo i fak tukin thil umtuning aa thlen lo poahpoah ahcun pehzulh in karhlan ceomao dingah timhtuahnak kan ngei.

Zeiruang ahdah kan ngeih chunmi phaisa tlawmpalte cu Kawlram ah ka phum ngam i ka miphun hawi pakhat cio zongnih nan tuah dingah ka duh? A ruang tampi lakah a bikbik pathum hna cu; 1) hmailei ah hlawknak a chuahpi lai, tiah zumhnak ka ngei, 2) phaisa thlen ret nih ka ngeihmi phaisa thazaang a karhter deuh, tiah ka ruah i, 3) Kawlram (Laitlang) ram t'hanchonak rian ah biatak tein kaa tel khawhnak lam pakhat a si, tiin ka tuak caah kaa lunghmuih.

Zeitindah zaran nih kan chawva ngeihchun cu Kawlram ah sullam ngei tein ka phum khawh lai?

Kawlram ah sullam ngei tein chawva phum khawhnak hi zalongte in ram chung le ram leng a lutchuak khomi caah cun a lam a tam lengluang ko lai. Sihmanhsehlaw, relrem lo nak le tlamtlin lo nak phunkip ruangah aa chawklet kho lo i phaisa thazaang tampi a ngei fawn lomi, keimah bantuk caah cun thim dingmi lam a tampi lo. Asinain, risk zeimawzat laak a ngamhmi caah cun phaisa phum khawhnak lam a um len ko. Ramleng khuasa Laimi zaran nih Kawlram (Laitlang) ah phaisa kan phum khawhnak lam tampi lakah a fawizaang ngaimi pathum ka rak langhter lai.

1) Kawlram hrambunh banks pakhatkhat ah phaisa chiah (khon) hi remleng mi caah cun risk um lem loin a hlawk ngai kho dingmi a si.

Banks ah a karh in phaisa chiah hi khua kan saknak ram, a t'hangcho cangmi (developed nations) ram pawl ahcun phaisa thihter bantuk a si. Sihmanhsehlaw, Kawlram chawlehnak cu t'hawng tukin a t'hancho lio a si tikah chawlettu hna nih phaisa an herh tuk. Chawleh rian t'uannak dingah phaisa cawi a duhtu chawlettu pawl cu banks nih phaisa cawih ding tamtuk an ngeih tikah banks a hmangmi mipi nih bank ah an phaisa chia hna seh, ti an duh tuk. Mipi nih banks ah an phaisa an chiah (khon) duh deuhnak ding caah tiin a karh ret (interest rate) sangpi an pek. Saving account sawhsawh bakah phaisa chiah hmanh ah a karh ret 8% renglo an pek. Kum khat renglo lak lo dingin "Fixed Deposit Account" ah chiah lebang ahcun 10% renglo in a karh an pek.

Atulio ah Kawlram hrambunh banks pawlnih phaisa karh an pekmi a san (tam) dan hi kan fian khawh deuhnak dingah US banks pawlnih a tlangpi in an pekmi phaisa karh ret he ka van epchun hmanh lai. Bank of America (BoA) nih "saving account" ah chiahmi phaisa cu 0.03% an pek i "Fixed Deposit Account or CD" ah a tlangpi in an pekmi a karh ret cu 0.07% a si. Laitlang khualipi, Halkha zongah rian a t'uanmi Co-operative Bank (CB) nihcun "saving account" ah 8.25% ret in a karh an pek i "Fixed Deposit Account" ah kum khat chung chiahmi phaisa karh ret cu 10% a si. Phundang in chim ahcun CB nih "saving account" ah an pekmi a karh ret hi BoA nih an pekmi a karh ret nakin a let (275 ) in a tamdeuh i "Fixed Deposit Account" ah an pekmi a karh hi a let (142) renglo in a tam deuh. Phundang deuh in chim rih ahcun USA hrambunh BoA saving account ah phaisa $100000 kha kumkhat chung na chiah ahcun a karh ah $30 hrawnghrang lawng na hmuh lai nain Kawlram hrambunh CB ah na chiah ahcun $8250 a karh lai. CB Fixed Deposit Account ah na chiahmi phaisa lebang cu thialkaam (laa) loin na um ahcun aa karhthuat (compound interest) lai i kum 7 le thla 2 (Rule of 72 or 72/10) ah a let ah aa cang kho.

Kawlram hrambunh banks pawl ah a karh hmu kho dingin phaisa chiahnak nawl hi ramdang mi nih ngeih a si lo. Asinian, kannih Laimi cu ram chungah kan chungkhar le hawikom an um pah dih ko caah anmah min in tuah khawh tuk a si t'hiamt'hiam. Cucaah, ramleng ah khua a sa i chawlehnak dangdang tuah awk thei loin bank ah phaisa zeimawzat aa khon mi nihcun Kawlram banks ah phaisa chiah/khon hi a hlawk tuk dingmi thil pakhat a si. Uknak aa thleng tuk cang i ramdang he fek ngai in aa pehtlaih tuk cang caah acozah nih banks khar (ting) ti bantuk zong hi thinphan dingmi thil a si ti lem lo.

2) Laitlang ah dirhmi companies pawl sinah phaisa phum (chawva hmangin chungtel sinak laak) hi a fawite tung i a hlawk ngai dingmi pakhat a si.

Kawlram economy cu kum khat ah 8% reng loin a t'hancho lio a si tikah mizeipoah caah chawlehnak caant'ha a um. Chawleh a thiammi hna ca chinchin ahcun t'hanchonak lam a tam chinchin. Kawlram bantukin aa hninsaimi chawlehnak vawlei ah chawlet thiam hna nih an herh bikmi thil pakhat cu phaisa thazaang a si. Laitlang bantukin phaisa a harnak hmunhma ahhin chawlet thiam hna nih phaisa an herh dan a zual duh khun fawn. A ruang cu riant'uan ding tamtuk an thei nain phaisa fang (cash) an chambau deuh ruangah an duhning in a cawlcang kho lomi chawlet thiam an tor lai. Mah bantuk minung pawl sin ah kan phaisa kan chiah ahcun caan zeimawzat a rauh tikah hlawknak tampi a chuahpi lai, tiah ka ruah.

Laitlang hrambunh companies tamdeuh nih atulio ah an t'uanmi rian cu acozah nih a ngeihmi lam-le-sul remh le inn-lo sak (government projects contractors) tibantuk a si i project pakhat an hmuh khawhnak dingah mah cu project i zatuak zeimawzat man cu banks ah phaisa chiah (deposit) a herh. Hi bantuk zawn ahhin ramleng khuasa mi nih kan ngeihmi phaisa hmang in fawizaang tein kan dirkamh khawh hna lai. Kan umnak ram nih an hmanmi phaisa (currency) hna cu a tlangpi in Kawlram phaisa nakin an man (exchange rate) a san deuh caah kutzo nak dingah a fawi chinchin. Tahchunhnak ah US Dollar fangkhat cu Kawlram phaisa in thongkhat (Ks 1000) renglo a si tikah US dollar in phaisa a hmumi kan caah cun Kawlram ah kan phaisa riant'uanter hi hmual a ngei deuh ngai dingmi thil a si. US Dollar in tong kua-hra te hmanh nih Kawlram ah a lamkip in thil a tuah khawhmi a um len. Phaisa kuatnak le tawlrelnak ah zeimawzat cu a lotlau nain chawlehnak ah rian an t'uan khawhmi cuaitlai tikah Kawlram hi a tlangpi in hmunhma t'ha deuh tuk a si ko rua, tiah ka ruah.

Kan miphun nih kan bochanmi kan pale hna nih biaknak lei in siseh, vawlei lei in siseh, an kan hruai i ramleng ah khua a sami Laimi zongnih kan semnak ram t'hanchonak dingah kan si khawh tawkin rian kan t'uan cio. Thawhbur phunkip kan thawh hlei ah Laitlang in an rak kan tlawngmi khuallian sin kip ah kan si khawh tawk in kuttlaihnak laksawng zeimawzat kan rawnh camcin hna. Laitlang ah khua a sami kan chungkhat le cingla rualchan cheukhat hna cu kan hmurka lawng si loin kan ngeih chun chawva in kan dirkamh hna i kan cawmken hna. Thilt'ha lawngte an si dih ko. Asinain, vawleicung ah a sifak bikmi ram lakah aa telmi kan ram khi kan umnak ram tahfung in tah tikah sifak santlailo a simi, ramleng khuasa nangmah le keimah bantuk minung pawlnih dawtnak le zawnruahnak lungthin ruangah kan cheuhbauh khawhmi chawva menmen nih zei pipa a thleng kho hrimhrim lai lo. A tlawm tuk rumro hlei ah kan phaisa a tawngthamtu minung tam deuh khi chawleh a thiam bak lomi an si tikah an kut cungah phaisa zeizat a phanh zongah a loral dih baibai camcin ko lai. Kanmah luala cu chim loin zeibantuk cozah t'ha hmanh nih fawite ah kan duhning bantukin an thleng kho lai lo. A ruang cu thlen-remh dingmi a tamtuk palia i thazaang tamtuk a herh. Sihmanhsehlaw, kan ngeihmi chawva kan phum i chawleh a thiammi minung tampi nih rian an t'uan khawh ahcun kanmah cio nih hlawknak kan hmuh hlei ah rianrang deuh tukin kan ram a t'hangcho kho lai.

3). Yangon Stock Exchange (YSX) ah share aa zuarmi companies lian pipi i an share cawk hi hmailei caan sau caah ruahchannak a tam ngaingai dingmi phaisa phum dan pakhat ah ka ruah.

Ralkap nih kum tampi ram pennak an rak tlaih chung ahkhan rammi milu cu kan karh ngai nain ralkap uknak chia ruangah kan ram cu ramdang nih chawlehnak an rak phihkhar tikah dawhcah tein caan sautuk aa remh lomi le aa chap lomi, lam-le-sul, inn-le-lo vialte kha siamremh an herh bantukin thilri tlamtlin lo le chambaunak dangdang ruangah ningcang tein rian a t'uan kho lomi acozah zung pawl zong kha tharchuah an herh. Kawlram cu vawleicung milu tam bik ram pahnih, Tuluk le India, nih an karcehmi ram a si fawn tikah sumdawng (trade) tuahnak dingah hmunhma t'ha tuk a si fawn. Kawlram vawlei cu cinthlaknak ah a t'ha tukmi a si i ram chung riant'uantu dihlak i zatuak 60 renglo minung nih an t'uanmi cu cinthlak rian a si nain a luancia kum tampi chungah riant'uan dan t'hanchonak (technological advancements) a um huaha lo tikah sersiam ding a tamtuk palia. Mah bantuk t'hanchonak rian vialte hi acozah nih (direct in) a t'uan lai lo. Private companies sin ah t'uanvo a pek hna lai. Cucaah, Kawl chawlet thiam mirum nih an ngeihmi companies lian deuh pawl hi t'hawng tukin an t'hangcho i hmailei zongah an t'hangcho chin thluahmah lai.

Kawlram hrambunh companies lian pipi nih an miakmai mi tinco khawh ve nak ding ahcun phung ning tein companies ngeitu si ve a herh. A ngeitu sinak cu an share cawknak in hmuh/tinco khawh a si. Mah bantuk shares cu Kawlram ahcun Yangon Stock Exchange (YSX) ah an zuar. YSX cu December 9, 2015 lawngah chanthar stock market system hmang kho dingin an thok i March, 2016 lawng in share cawkzuarnak an tuah khawh taktak caah mipi nih a tlangpi in stock market sining theihhngalhnak an chambau ngaingai rih. Companies nih YSX ah ningcang tein an shares an zuar khawhnak ding caah cun an tlinh hmasa a herhmi thil le zulhphung a tampi ruangah atutiang ah shares aa zuar khomi companies cu pahnih lawng an si rih. Sihmanhsehlaw, hmailei ahcun an karh thluahmah ko lai. Zeicatiah, a t'hawngmi economy cu a fekmi capital (stock) market loin caansau a kal kho mi a si lo.

YSX ah an zuarmi shares/stock cawk khawhnak ding ahcun acozah nih puaisa t'uannak nawl a pekmi (brokers) companies pa (5) i pakhatkhat sin ah "(Securities) Trading Account" on a herh. Trading Account cu ramdang mi nih on khawh a si rih lo nain "Myanmar Companies Acts (1914)" timi upadi an remh zau lai, tiah zumh a si. Ramdang mi nih phung ning tein YSX ah shares/stocks cawkzuar khawh a si rih lo zongah kannih Laimi cu Kawlram chungah khua a sami chungkhar neihniam pakhatkhat hmang in cawlcangh khawh a si t'hiamt'hiam. Ramdang mi nih teltum khawhnak nawl an ngeih rih lomi tu hi caant'ha ah aa lak ding kan si. A ruang cu an van iteltum khawh tik ahcun stock market ah phaisa a tam deuh tuk lai i kan rak ngeihmi shares/stocks pawl caah hlawknak lam a tam chinchin lai. Cucaah, atulio hi ramleng khuasa zaran caah caant'ha ngaingai a si.

Kawlram (Laithlang) ah kan chawva phum (khong) hna usih (Part I)