শেয়ারের নামে উচ্চসুদে আমানত সংগ্রহঃ রাষ্ট্রীয় নির্দেশনা অমান্য করছে অনেক প্রতিষ্ঠান

Collection of high interest deposits in the name of shares: Many institutions are disobeying state guidelines

শেয়ারের নামে উচ্চসুদে আমানত সংগ্রহঃ রাষ্ট্রীয় নির্দেশনা অমান্য করছে অনেক প্রতিষ্ঠান
শেয়ারের নামে উচ্চসুদে আমানত সংগ্রহঃ রাষ্ট্রীয় নির্দেশনা অমান্য করছে অনেক প্রতিষ্ঠান

 টিম ক্রাইম ডায়রির সুদীর্ঘ সময়ের অনুসন্ধানে উঠে এসেছে এমন তথ্য। ইতোমধ্যে এ সংক্রান্ত বেশ কয়েকটি প্রতিষ্ঠানের গুরুত্বপূর্ণ নথি ও প্রমাণযোগ্য দলীল টিম ক্রাইম ডায়রির হাতে এসেছে।

(ধারাবাহিক প্রতিবেদনের প্রথম অংশ)

কালিমুল্লাহ দেওয়ানঃ

সমবায় ও মাল্টিপারপাসের নামে নিবন্ধন নিয়ে রীতিমতো ব্যাংকিং কার্যক্রম চালিয়ে মোটা অংকের আমানত সংগ্রহ করে ভোল পাল্টাতে শুরু করে আমানত সংগ্রহকারী কিছু প্রতিষ্ঠান। বিগতদিনে কোটি কোটি টাকার বানিজ্য করে আমানতগুলো শেয়ারে পরিবর্তন করে পুরনো বোতলে নতুন মদ নিয়ে উচ্চসুদে কার্যক্রম চালাচ্ছে এরা।

টিম ক্রাইম ডায়রির সুদীর্ঘ সময়ের অনুসন্ধানে উঠে এসেছে এমন তথ্য। ইতোমধ্যে এ সংক্রান্ত বেশ কয়েকটি প্রতিষ্ঠানের গুরুত্বপূর্ণ নথি ও প্রমাণযোগ্য দলীল টিম ক্রাইম ডায়রির হাতে এসেছে। বাংলাদেশ ব্যাংকের নিষেধাজ্ঞা অমান্য করে মূলতঃ রাষ্ট্রীয় নির্দেশনাকে অমান্য করে রাষ্ট্রদ্রোহ অপরাধ করা এসব প্রতিষ্ঠান সময়ের সঙ্গে তাল মিলিয়ে ইনভেস্টমেন্টকে শেয়ারে রুপান্তর করার চেস্টা করছে। এ সংক্রান্ত রেকর্ড ও আমানতদাতাদের এক্সক্লুসিভ সাক্ষাৎকারের অডিও/ভিডিও রেকর্ড ও দলীল ক্রাইম ডায়রির হাতে এসেছে। 

সমবায় সুত্রে জানা গেছে, দেশের সমবায় প্রতিষ্ঠানগুলোকে শৃঙ্খলার মধ্যে আনা হচ্ছে। বন্ধ হচ্ছে সমবায়ের নামে সদস্য ছাড়া অন্য কোনো ব্যক্তি বা প্রতিষ্ঠানের সঙ্গে সুদের ব্যবসার সুযোগ। সমবায় প্রতিষ্ঠানগুলোর আমানত সংগ্রহ, ঋণ প্রদানসহ সব ব্যবসায়িক কার্যক্রমে কঠোর বিধিনিষেধ আরোপ করে সমবায় আইন-২০১১ সংশোধনের উদ্যোগ নিয়েছে পল্লী উন্নয়ন ও সমবায় বিভাগ। ইতিমধ্যে আইনের কয়েকটি ধারা সংশোধনের প্রাথমিক কাজ শুরু হয়েছে। এ আইন সংশোধন হলে যারতার কাছ থেকে আমানত সংগ্রহ করতে পারবে না সমবায় প্রতিষ্ঠানগুলো।

শুধু মেমোরেন্ডামে উল্লেখিত শেয়ারহোল্ডার সদস্যদের কাছ থেকেই শেয়ারের অনুপাতে  আমানত সংগ্রহ করতে হবে এবং লাভ লসের ভিত্তিতে লভ্যাংশ প্রদান করতে হবে। অন্যথায় সংশ্লিষ্ট প্রতিষ্ঠানের নিবন্ধন বাতিল করাসহ আইনগত পদক্ষেপ নেয়া হবে । এ ছাড়া সমবায়ের ঋণ প্রদানে রয়েছে নানা বাধ্যবাধকতা। সদস্য ছাড়া অন্য কাউকে ঋণ দিয়ে সুদের ব্যবসার সুযোগ পুরোপুরি বন্ধ হচ্ছে। শিগগিরই সংশোধিত আইনের খসড়া চূড়ান্ত করে মন্ত্রিসভায় উপস্থাপন করা হবে বলে সরকারি সূত্রে জানা গেছে।

সমবায় সমিতি আইনে ২০০২ সালে প্রথম সংশোধনী আনা হয়। বিদ্যমান আইনটি দিয়ে আর্থ-সামাজিক উন্নয়ন, দারিদ্র্য বিমোচন, কর্মসংস্থান সৃষ্টির মাধ্যমে সরকারের রূপকল্প ২০২১ বাস্তবায়ন সম্ভব নয়। তাই এ আইনটি সংশোধন করা হচ্ছে। এ ছাড়া বিদ্যমান আইনে সমবায় প্রতিষ্ঠানের আমানত সংগ্রহ ও ঋণ প্রদানে কোনো বিধিনিষেধ নেই। প্রতিষ্ঠানগুলো সদস্যের বাইরেও যে কারও কাছ থেকে আমানত সংগ্রহ করতে পারত। পাশাপাশি ক্ষুদ্রঋণ দেওয়ার চেয়ে বেশি লভ্যাংশে বড় ঋণ দেওয়ার প্রতি তাদের আগ্রহ অধিক।

একদিকে তারা বেশি লভ্যাংশের আশা দিয়ে আমানত সংগ্রহ, অন্যদিকে তারা চড়া সুদে ঋণ প্রদান করে। তারা ক্ষুদ্র প্রতিষ্ঠানগুলোর কাছ থেকে ঋণের বিপরীতে প্রায় ২২ শতাংশ সুদ নেয়। এর প্রভাব পড়ে ব্যাংকিং খাতে। অনেক প্রতিষ্ঠান বেশি লভ্যাংশের আশায় আমানত সংগ্রহ করে হাওয়া হয়ে যাওয়ার মতো ঘটনাও ঘটিয়েছে। ফলে আমানতকারীরা সর্বস্বান্ত হয়ে পড়েন। সমবায় প্রতিষ্ঠানগুলোর এমন কাজকর্ম রোধেই আইন সংশোধনের উদ্যোগ নেওয়া হয়েছে।সমবায় বিভাগের রেজিস্ট্রার মফিজুল ইসলাম ক্রাইম ডায়রিকে বলেন, সমবায় প্রতিষ্ঠানের কাজে স্বচ্ছতা আনতে আইন সংশোধনের উদ্যোগ নেওয়া হয়েছে। বিদ্যমান আইনে কয়েকটি ধারায় অস্পষ্টতা রয়েছে। সংশোধন হলে এটি দূর হবে। নতুন আইনে নিবন্ধন প্রক্রিয়া সংশোধন ও নিবন্ধন বাতিলের ব্যবস্থা রাখা হচ্ছে। একই সঙ্গে সমবায় সদস্যরা যাতে প্রতারিত না হন সে জন্য আইনে প্রয়োজনীয় শাস্তিমূলক বিধান রাখা হচ্ছে।বর্তমানে দেশে প্রায় ২৫ হাজার সমবায় প্রতিষ্ঠান রয়েছে। বিএনপি-জামায়াত জোট সরকারের আমলে এসব প্রতিষ্ঠানের বেশিরভাগের নিবন্ধন দেওয়া হয়। নিবন্ধনের সময় শর্ত দেওয়া হয়, তারা শুধু ক্ষুদ্রঋণ কার্যক্রম পরিচালনা করবে। নিবন্ধন নেওয়ার ৬ মাস না যেতেই তারা ব্যাংকিং ব্যবসা শুরু করে। দেশের প্রায় সব জেলাতেই শাখা প্রতিষ্ঠা করে আমানত সংগ্রহ শুরু করে।  অনেক প্রতিষ্ঠান জেলাভিত্তিক আমানত সংগ্রহ করে সফলতার মুখ দেখে এলাকার গন্ডিকে আরও নিয়মের মধ্যে এনে মাল্টিলেভেল পদ্ধতিতে আমানত কালেকশন করে। অনেকে আবার ছোট ছোট ব্যবসায়িক প্রতিষ্ঠানকে ঋণ না দিয়ে বড় বড় প্রতিষ্ঠানকে ঋণ দেয়। এসব প্রতিষ্ঠানের নামে বিভিন্ন ব্যবসা শুরু হয় সমবায় আইন লঙ্ঘন করে। আবার এর মধ্যে এমন প্রতিষ্ঠান রয়েছে যারা ব্যবসার আড়ালে একটি রাজনৈতিক দলের কর্মকান্ডও পরিচালনা করে। বর্তমান সরকার ক্ষমতা গ্রহণের পর প্রায় ২০টি প্রতিষ্ঠানকে চিহ্নিত করা হয় যারা ক্ষুদ্রঋণের আড়ালে রাজনৈতিক কর্মকান্ড চালায়। সংশ্লিষ্ট বিভাগ থেকে এসব প্রতিষ্ঠানকে সতর্ক করে শোকজ করা হয়। কিন্তু বিদ্যমান আইনে কঠোর শাস্তির বিধান না থাকায় এসব প্রতিষ্ঠান পার পেয়ে যায়।সংশোধিত আইনে প্রতারণার দায়ে সমবায় প্রতিষ্ঠানের শাস্তির মেয়াদ বাড়ানো হচ্ছে। এর ফলে শুধু প্রতিষ্ঠানের সদস্য ছাড়া আর কারও কাছ থেকে আমানত সংগ্রহ করা যাবে না। পাশাপাশি ঋণ প্রদানে কয়েকটি খাত নির্দিষ্ট করে দেওয়া হচ্ছে। প্রতিষ্ঠানের ব্যবস্থাপনা কমিটি গঠন বিধিতেও আসছে বেশ কিছু পরিবর্তন। বিদ্যমান আইনে একজন সদস্য একই পদে দুই মেয়াদে আসীন থাকতে পারেন। খসড়া আইনে দুই মেয়াদের পরিবর্তে তিন মেয়াদ করার সুপারিশ করা হয়েছে। এছাড়া নতুন আইন অনুযায়ী সমবায় সমিতিগুলোর সমবায়ভিত্তিক কাজকর্মে আরও নজরদারি করা হবে।

এ জন্য সংশোধনীতে একটি বিশেষ কমিটি গঠনের কথা বলা হয়েছে। এ ছাড়া যেসব সমিতি নিবন্ধন নিয়ে কোনো কাজকর্ম করছে না তাদের বিষয়েও কঠোর ব্যবস্থা নেওয়ার কথা বলা হচ্ছে। এসব প্রতিষ্ঠানের নিবন্ধন বাতিলের বিষয়ে বিধান রাখা হচ্ছে সংশোধনী আইনে। এ ছাড়া সমিতি অকার্যকর হলে তা গুটিয়ে ফেলার আগে পাওনাদারদের টাকা পরিশোধের বিধান রাখা হচ্ছে। পাওনাদারের টাকা বাকি রেখে কোনো অবস্থায় সমবায় প্রতিষ্ঠান গুটিয়ে ফেলা যাবে না।

আর গুটিয়ে ফেললে সমবায় প্রতিষ্ঠানের সঙ্গে সংশ্লিষ্টদের ব্যক্তিগতভাবে এ টাকা পরিশোধ করতে হবে। সংশোধনীতে বিধি লঙ্ঘনের দায়ে শাস্তির পরিমাণ বাড়ানো হচ্ছে। সমবায় প্রতিষ্ঠানগুলোর বিধিবহির্ভূত কাজকর্মের শাস্তি ৭ বছর কারাদণ্ড ও ১০ লাখ টাকা জরিমানা থেকে বাড়িয়ে ১০ বছর কারাদণ্ড ও ১২ লাখ টাকা জরিমানা করা হচ্ছে। আমানত সংগ্রহ করে প্রাতিষ্ঠানিক ইনভেস্টমেন্ট করলেও গ্রাহকদের উচ্চসুদ দিতে গিয়ে হারিয়ে যায় এসব প্রতিষ্ঠান। ফলে রাস্ট্রীয় দেনায় পড়ে এসব প্রতিষ্ঠান। ব্যাংকিং কার্যক্রম চালানোর ব্যাপারে কঠোর নিষেধাজ্ঞা থাকলেও তোয়াক্কা করেনা এরা। অতি দ্রুততার সাথে এসব মাল্টিপারপাস ও সমবায় প্রতিষ্ঠান গুলোকে তদন্ত সাপেক্ষে আইনের আওতায় আনতে তাগিদ দিয়েছেন সুশীল সমাজের প্রতিনিধিরা।

.....ধারাবাহিক.....

( সংশ্লিষ্ট প্রতিষ্ঠানগুলো নিয়ে বিস্তারিত আসছে) 

ক্রাইম ডায়রি // স্পেশাল

 

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