37-year-old Usha Kumari Das of Kalyanpur Municipality-8 in Siraha is illiterate. However, she understands the importance of education. Her husband Suresh Das has been in Saudi Arabia for ten years for foreign employment. She also understands the value of her husband's sweat abroad.

That's why the husband is also very confident about her. Usha had been depositing the money sent by her husband in the cooperative without spending indiscriminately. He regrets that they did not get to study. Therefore, she dreamed of spending the money earned by her husband sweating in the heat of the sea on her children's education and building a proper house.

However, his dream is now in a state of being shattered. She is crying day by day due to anxiety. Cooperative fraud is also a cause of concern for him. In the cooperative named 'Maan Janki Krishi Sahakari Sanstha Limited' located in Kalyanpur Municipality-11, Kalyanpur Bazar, she deposited 3150,500 rupees several times.

However, for the past two years, she has been running to the cooperative to get the money back. She has not received the money back. Rajaram Sah, the owner of the cooperative, has been tricking him for two years. Sometimes he avoids saying that he will sell the farm and sometimes he says "I don't know".

'The co-operative has become so bad, sometimes they say that they will sell the farm, sometimes they say that they don't know your money,' Usha said while talking to Kantipur, 'Even if you and your children are sick, you have to reach out to others, what can we say 

Rajaram Sah, who runs Maa Janki Agricultural Cooperative, has also been running 'Rajaram Saw Money Transfer' at his home in Kalyanpur Bazar. The same Rajaram was also given a Branch Less Banking (BLB) counter by Global IME Bank.

More than a dozen villages in Kalyanpur area used to withdraw money through his money transfer. And those who did not need it immediately used to deposit money in Global IME Bank from there. Especially Usha used to do the same.

However, on 22nd of 2078, Rajaram called Usha and said that Global IME Bank has opened this cooperative for the business of depositing money and now the money has to be transferred to it. Usha readily agreed and signed Global IME's check for her money transfer.

He had 17 lakh 3 thousand 500 rupees in his account at that time . Rajaram took the check in his hand, and gave Usha a passbook with 'Maan Janki Krishi Sahakari Sanstha Limited' written on it. And he put his signature on the passbook stating that he had deposited the said money. However, after asking for money and not getting it, she stopped collecting it from February 2, 2079.

Thus, Usha, who was cheated by the owner of this cooperative, is an exemplary character. 40-year-old Sunita Devi Das of the same village has also collected 3 lakh 1 thousand rupees in this cooperative. She has collected three lakh one thousand rupees sent from Qatar by her husband Jeet Das from 23rd Push 23 2078 to 28th January 2079 .

But, she has been running to get the money back for one and a half years. The money has not been returned. Rajaram, the owner of the cooperative, has been calling Sunita the same as Usha today.

Jitokumari Das of this village has collected 3 lakh 85 thousand rupees in the cooperative. Janifa Mian has 9 lakh 20 thousand rupees. His wife Jaiful Khatun has also collected 440,000 in this cooperative several times. However, no one is getting the money back. According to them, there are about 200 savers from different villages of Kalyanpur region who are affected by this cooperative.

'There are more than two dozen victims in our village,' said Zaiful Khatun of Mazhau, 'Common people of dozens of villages in this area have deposited money in this cooperative.' In this way, they estimate that at least 5-6 crores of hundreds of savers have been misappropriated .

The cooperative is fake
The cooperative used to collect millions of rupees for hundreds of savers has been found to be fake. After the victims stopped raising their voice, when they searched about 'Maan Janki Krishi Sahakari Sanstha Limited', it was found that the said cooperative does not exist legally.

According to the data provided by Kalyanpur municipality, only four cooperatives from Kalyanpur ward number 11 are registered in the municipality. One of which is Maa Janki Global Savings and Loan Cooperative Society Limited. whose registration number is 21 .

Rajaram Sah is its president, Upendra Sah is the secretary, Rinkukumari Sah is the treasurer. However, Maa Janki Krishi Sahakari Sanstha Limited is not in its records, said Pramod Kumar Yadav, head of the municipality's agricultural development branch.

Not only this, it has been found that Rajaram, who has been running a fraudulent business by setting up a fake cooperative, has also been doing illegal business through the registered Maa Janki Global Savings and Loan Cooperative Society Limited. According to the municipality, this cooperative has not been renewed since its registration.

First in the name of Global and then by setting up a cooperative
Rajaram's father Biltu Sah is a manpower businessman . From a normal family background, he used to work as an agent to send people abroad for foreign employment. That's how he accumulated a lot of wealth. He has been operating manpower in Kathmandu for about 20 years. After opening

Manpower, his economic progress doubled during the day and quadrupled during the night. Now he has control over political parties too. In the last election, he also promoted himself through his close friends on social media to be a candidate for the provincial assembly member from CPN-UML.

After earning well from manpower, he also started a meter bus business in Kalyanpur area. He opened money transfer to his son Rajaram in Kalyanpur in 2068. Though operating in Kalyanpur Municipality Ward 11, this money transfer registration seems to be from Kathmandu.

In the permanent account number registration certificate provided by the Internal Revenue Department, the address of Rajaram Saw Money Transfer Pvt. Ltd. is mentioned as Kathmandu Metropolitan City 9, Gaushala. By showing this money transfer, Rajaram introduced branchless banking service (BLB) with Global IME Bank in the year 2074.

By then this money transfer had been established in that area as 'Rajaram's Bank'. In this area, a trustworthy image had already been formed at the civilian level. Taking advantage of this, Rajaram seems to have started cheating systematically with bad intentions.

After introducing BLB, he asked most of the service recipients to open an account at Global IME Bank. At the beginning, Rajaram used to say to the Sevagrahi, 'times are bad, take home only as much money as you have work, and deposit the rest here in the bank.'

The BLB representative should collect the amount received from the depositor immediately and after the deposit, the voucher (receipt) that will be printed through the system should be given to the beneficiary. However, there were some people who understood and were given a voucher after depositing the money, while most of the illiterate beneficiaries were only assured that the money had been deposited by showing them in their diaries.

In this way, Rajaram himself used to use the money kept by cheating the illiterate Sevagrahi. Five years ago, Kulsim Khatun of Mazhau collected Rs 50,000 from there. He was told that the money has been deposited in Global's account. However, the deposit was not made .

She came to know about this only after a few months when she went to the Mirchaiya branch of the bank to withdraw money. After knowing that there was only one thousand rupees in the account, she went to Rajaram and questioned why he did this. Rajaram sent Kulsim home promising that it was a mistake and that he would return the money.

Kulsim repeatedly received 35 thousand rupees. However, even after five years, she has not received Rs. 15,000 yet. 'They always say today,' she said, 'I tell Rajaram to give at least one or two thousand, but he only does things like running around and harassing.' ; After that, the representative of the bank went to the money transfer and alerted them several times. After not improving his behavior even after repeated warnings, the bank took away the BLB facility given to him in January 2079 .

It seems that after getting the needle to remove BLB from Global, Rajaram registered 'Maan Janki Global Savings and Loans Cooperative Society Limited' to be similar to the bank on July 4, 2079 to continue his financial crimes . After that, he persuaded the Sojhasidha of the village to withdraw money from the bank and transfer the money to his cooperative.

However, even though money has been transferred to the cooperative, the passbook of the cooperative named Global Savings and Loans Cooperative Society Limited, which is legally registered, has not been given to all the savers . Another passbook written Maa Janki Krishi Sahakari Sanstha Limited corresponding to the name of the same cooperative has been given.

It has been found that most of the savers have been given passbooks of the same cooperative. When the saver deposits the money, the amount is also paid by signing on behalf of the cooperative in the same passbook . Most of the signatures in the passbooks received by Kantipur are Rajaram's.

"I have not read, like me, there are mostly illiterate people in it," said Jito Das of Mazhauki, "we did everything he said in faith". Often Rajaram himself would also sign . We didn't expect this to happen. Now we are neither home nor ghat." However, even those savers have not been able to get back the amount they have deposited in the cooperative after repeatedly asking for it.

Roshan Khatun of Majha has made a fixed deposit of 660 thousand rupees in the said cooperative on 21st Kartik 2079. Saira Khatun of the same place has also made a fixed deposit of 380 thousand rupees on 8th January 2079 . It took two years. However, they have not been able to get the money.

victims go to the police, but nothing happens. However, the victims complain that the police did not take their problems seriously. "My issue has been discussed many times with the Kalyanpur police," Saira Khatun told Kantipur, "but I still haven't received the money." Did it . The district police sent the complaint letter along with Usha to register it and go to the area police office, Mirchaiya to submit it. However, Usha said that there is no news from the police yet.

"The police said they would call, it's been more than a week since the complaint was filed, but I still haven't received any news," she told Kantipur emotionally, "The victim friends are saying that the police won't do anything." How can I get my money back, I am dying thinking about it.

District Police Office, Siraha Spokesperson and Deputy Superintendent of Police Muktinath Sapkota claimed that the police tried to address the problems of the victims based on the complaint. 'The police tried in the past,' he said, 'now there is a new complaint, we are investigating.' After reaching, the road is on the side, Rajaram's house . In the same house, Money Transfer and Co-operative  are run. Rajaram's fake cooperatives and savers who have sunk money in cooperatives run without renewal visit his house daily.
According to Rajaram's neighbors, daily at least ten more victims come to his house asking for money. However, Rajaram is not found. Rajaram's father Biltu Sah, a manpower businessman, lives in Kathmandu. Even he who comes home from time to time has not come home for a long time .

As Rajaram has done all the work under the leadership of his father Biltu, the victim savers are also waiting for him . "Biltu Kathmandu and Rajaram often live outside, even at home, no one knows about it except for the staff," said a neighbor who did not want to be named Neighbors say that land has been attached in different places especially from the money embezzled in the name of the cooperative. "Recently, we have heard that land has been bought in many places," another neighbor said, "The lifestyle has also changed." It is very wrong with a repulsion and pilling for money by squeezing the money they earned by someone by making money and the deception of the de cheese-BREAK. & NBSP ;. At first, he expressed ignorance on his agricultural cooperatives in the company of agricultural cooperatives in his popular cooperation and registration. 'You have two cooperatives, a registered in question and a return, said that he was not operating for another cooperative registration how to do it & NBSP;? "

'I made the idea of ​​registering that name & nbsp;. But not registered, 'he said,' He said, "He said, 'He did not want to explain the number of savers a savings in his cooperatives and nbsp;. 'I am slowly refraining everyone's money,' he said and NBSP;. STYY-BREAK MADE MADE BULTUAL BULD by Sah, trying to find unhappy by means of his son by his son, not a matter of ignorance. Later, he claimed that the savers have also claimed to return to the money claiming to return to the money and nbsp; 5..