Mulazim ka rishtedar udhaar mange to kya karein?

Usay bilkul waise dekhein jaise kisi anjaan naye customer ko. Khata us ke apne naam par, us ke apne number ke sath, chhoti si pehli had par khulega. Haan kehne ka ikhtiyar sirf aap ka hai. Mulazim ki pehchan us ko sunwai dilati hai, udhaar nahin.

Counter par khara rishtedar

Jumeraat ki sham sawa saat baje. Ek naujawan, jise aap ne do baar dekha hai, ghee ka tin, chawal ki bori aur do surf ke packet counter par rakhta hai. Rs 2,600 ban gaye. Aur wo jeb ki taraf haath hi nahin le jata.

"Shahid aap ke sath kaam karta hai. Mera chacha zad bhai hai. Khate mein likh lein, saat tareekh ko de dunga."

Shahid teen qadam door neeche wale khane mein sabun laga raha hai. Wo nazar upar nahin uthata. Uthane ki zaroorat bhi nahin. Uska naam apna kaam kar chuka hai.

Ab counter par do cheezein ek sath hain. Ek us naujawan ke baare mein udhaar ka faisla jiska aap ki dukan mein koi record nahin. Doosri wo taluq jo us aadmi ke sath hai jo aap ke mandi jane par yehi counter sambhalta hai. Yahan haan kehne ka matlab yeh nahin ke aap ne kisi customer ko udhaar diya. Aap ne kisi aur ke andaze par diya, aur nuqsan us doosre ka nahin, aap ka hoga.

Yeh koi aam naya customer kyun nahin lagta

Har naya naam chhota khatra hota hai jise aap chhoti had laga kar sasta rakhte hain, jaisa udhaar kitna dena chahiye mein khola gaya hai.

Yeh maamla sirf ek wajah se alag hai: inkaar customer ko nahin, apne mulazim ko lagta hai.

Yeh samajh aane se pehle seene mein mehsoos hota hai. Shahid do saal se hafte ke chhe din aata hai, aap ki tabiyat kharab ho to shutter wohi kholta hai, aur ab aap us ke samne inkaar karne lage hain.

Isi wajah se sawal us ke zariye aaya hai. Pehli baar aane wala anjaan Rs 2,600 maange to inkaar ka intezar karta hai. Jo pehle aap ke mulazim ka naam leta hai wo haan ka intezar karta hai, kyunke usne mauqa aisa banaya ke inkaar aap ko mehnga pare.

Aap ko paise aur aadmi mein se ek chunna nahin hai. Us ke aane se pehle jo usool mojood tha, wohi dono ko bachata hai.

Aap ko kya bataya ja raha hai, aur kya nahin

"Shahid mera bhai hai" khandan ke baare mein sach hai, paise ke baare mein nahin. Is se itna pata chalta hai ke aadmi mil jayega, aur yeh cheez qeemat rakhti hai. Yeh nahin pata chalta ke wo saat tareekh ko deta hai ya nahin, kyunke aap ki dukan mein kisi ne usay kabhi dete dekha hi nahin.

Bari had sirf adaigi ka record kamata hai, aur wo yahan us ke paas koi nahin. Rishta us record ka badal nahin banta. Yehi baat rishtedaron ko udhaar dena mein bhi hai: rishta jitna qareeb ho, likhai utni hi mazboot honi chahiye.

Is liye counter par alfaz ahem hain. Lehja nahin, alfaz.

Counter par, jab mulazim wahin khara ho

✓Yeh kahein

• "Yahan har naya page Rs 3,000 par khulta hai. Apna number likhwa dein."
• "Khata aap ke naam par khulega, uske naam par nahin."
• "Yeh saaf kar dein, agli baar had upar chali jayegi."
• "Aaj page par Rs 3,000, baqi naqad."
• "Had main tay karta hoon, is liye mujh se poochein, us se nahin."

✕Yeh nahin

• "Yeh yahan kaam karta hai, koi baat nahin, jo chahiye le lein."
• "Main sirf is ki wajah se de raha hoon."
• "Yeh aap ke baare mein jo keh de, mere liye kaafi hai."
• "Isi se hisab kar lena, yeh to roz yahin hota hai."
• Kuch bhi na likhna aur baad mein yaad rakhne ki koshish

Bayein taraf wale jumle rishta bhi qayam rakhte hain aur faisla bhi aap ke haath mein.

Wo usool jo das mein se nau maamle khatam kar deta hai

Ek line mein yeh hai. Khata kharidne wale ke apne naam par, us ke apne number ke sath, itni chhoti pehli had par khulega ke poora doob bhi jaye to sabaq sasta pare.

Farz karein Rs 3,000. Us ke liye chuni gayi raqam nahin, wohi had jo har naye naam ko milti hai. Phir usay sirf saaf hue chakron par barhne dein, kisi aur cheez par nahin.

Farz karein har naye naam ki seerhi Rs 3,000 se shuru hoti hai

Pehli had, sab ke liye barabarRs 3,000

Pehla chakkar barah din mein poora saafRs 5,000

Doosra chakkar das din mein poora saafRs 8,000

Teesra chakkar nau din mein poora saafRs 12,000

Seerhi par kisi bhi waqt zyada se zyada khatraRs 3,000

Doosra raasta: pehla sauda sirf rishte parRs 20,000

Pehli ghalti dono raaston par kitni parti haiRs 3,000 ya Rs 20,000

Teen saaf chakron ke baad wo Rs 12,000 par khara hai aur ek ek rupaya usne kamaya hai. Doosra raasta pehli hi sham Rs 20,000 us ke hawale kar deta hai, sirf rishte ki bina par. Baat bigar jaye to Rs 20,000 bhi gaye aur agli subah aap ko Shahid ke sath usi counter par khara bhi hona hai.

Ache maamle mein bhi seerhi ka faida dekhein. Jo rishtedar theek se deta hai usay teen mahine mein us se bari had mil jati hai jitni wo baat kar ke le sakta tha, aur bagair kisi bahes ke. Usay saza nahin mil rahi, raasta mil raha hai.

Uska number khud lein aur usi waqt ek baar mila kar dekhein.

Mulazim kis jagah khara hai, khul kar kaha jaye

Aap ka mulazim zamin nahin hai. Na is liye ke wo aadmi ko laya, na is liye ke likhte waqt wo khara tha, na is liye ke usne kaha "yeh theek aadmi hai". Zamin wo hota hai jo apni zaban se kahe ke doosra na de to main dunga, aur usay raqam ka pata bhi ho. Zamin kab lena chahiye ka faisla mulazim apne baare mein karta hai, aap us ke baare mein nahin.

To usay saaf poochein, counter se hat kar, kisi khali subah: "Aap is balance ke peeche kharay hona chahte hain, ya wo apne bal par khara rahe?" Zyadatar mulazim doosri baat chunte hain, aur khush hote hain ke aap ne farz karne ke bajaye poocha.

Wo waqai peeche khara hona chahta hai to usay customer ke page par zamanat ki tarah likhein, us ke naam aur raqam ke sath. Sar hilana kaafi nahin. "Mera bhai hai, koi masla nahin" kaafi nahin. Wo jumla chahiye jo usne khud chuna ho.

Aur ek lakeer aisi hai jo kabhi paar nahin karni. Kisi doosre ke balance ka ek rupaya bhi mulazim ki tankhwah se nahin katega, jab tak usne pehle se, likh kar, tay shuda raqam par ijazat na di ho. Us ke rishtedar ki kharidari ke Rs 4,000 tankhwah se kaat lena do saal purane mulazim ko ek hi sham mein khone ka tareeqa hai, aur wo poori gali ke mulazimon ko wajah bhi bata dega. Us ki tankhwah aur advance apni jagah rakhein, jaise mulazim ki tankhwah ka hisab mein kaha gaya hai.

Wo din jab mulazim khud de deta hai

Ab mushkil surat. Aap mandi gaye hue hain. Shahid akela counter par hai. Us ka rishtedar sarhe chaar baje aata hai aur Rs 5,600 ka saman le kar chala jata hai, khate mein Shahid ki apni likhai ke sath. Aap ko raat ko pata chalta hai.

Pehla khayal yehi aayega ke usne aap ki peeth peeche kaam kiya. Aksar aisa hota nahin. Wo counter par khara tha, samne apna rishtedar tha, aur haath mein koi usool nahin tha, so usne wohi usool istemal kiya jo us ke paas tha, yani khandan wala. Yeh usool ki kami hai, kirdar ki nahin.

Pehli baar jab mulazim khud likh deta hai

1. 1Us raat counter par kuch na kaheinCustomers ke samne daant balance se zyada mehngi parti hai.
2. 2Entry kharidne wale ke apne page par le jayeinUska apna naam, apna number, kisi aur kaam se pehle.
3. 3Poochein ke usool hota to wo kya karta"Samne rishtedar tha aur haath mein koi usool nahin tha. Kis cheez se aasani hoti?"
4. 4Usool sab ko batayein, sirf usay nahin"Bechna kisi ko bhi. Naya page ya nayi had sirf main."
5. 5Wasooli kharidar se, tankhwah se hargiz nahinTay shuda din par chhoti tay shuda raqam, usi se jo saman le kar gaya.

Agli baar rokne wala jumla itna chhota hai ke ek baar keh dein to hamesha chalta hai: "Bechna kisi ko bhi, jitna bhi. Naya khata sirf main kholunga, aur had sirf main barhaunga." Yeh baat sab kaam karne walon ko kahein, sirf usay nahin, aur us din kahein jab kuch bigra na ho. Waqia hone ke foran baad kaha gaya usool ilzam lagta hai. Kisi aam din kaha jaye to sirf dukan ka tareeqa lagta hai.

Agar maamla bigar jaye

Saat tareekh guzar gayi. Bees bhi guzar gayi. Raqam wahin baithi hai.

Usay wahin rakhein jahan wo hai: kharidne wale ke page par, us ke apne naam ke neeche. Jis din wo balance aap ke zehen mein "Shahid ke bhai ka paisa" ban gaya, us din aap ne usay chupke se apne mulazim par daal diya, aur us ke sath har baat aisi wajah se bhari ho jayegi jo wo theek bhi nahin kar sakta.

Mulazim se aap paighaam maang sakte hain, paisa nahin. "Usay bata dein ke us ka page Rs 6,800 par hai aur mujhe jumay tak Rs 2,000 chahiye." Jo mulazim jaanta ho ke aadmi kahan rehta hai, us se itna kehna theek hai. Us se adaigi maangna, ishara karna, ya khinche khinche rehna theek nahin.

Baqi wasooli waise hi karein jaise kisi aur ke sath. Us page par naya udhaar chupchap rok dein, tay shuda din par chhoti tay shuda raqam maangein, aur doosri baar mulazim ke zariye jane ke bajaye khud us aadmi ke paas jayein. Wo jawab dena chhor de to maamla gayab hone wale customer wala ban chuka hai.

Aakhir mein hisab imandari se lagayein. Rs 6,800 gaye aur wo mulazim aap ke paas raha jo har subah shutter kholta hai, to yeh bura mahina hai, tabahi nahin. Usay daba kar rakha aur wo chhor gaya, to aap ne kahin zyada qeemat ada ki.

Dono page mobile par alag kaise rehte hain

Yeh sab kaghaz ke register par bhi chalta hai. Behtar tab chalta hai jab kharidne wale ka page aur mulazim ka page galti se bhi na milein.

Wasoolo mein rishtedar ka apna khata us ke apne naam aur number par banta hai, is liye balance ke paas baithne ki koi doosri jagah bachti nahin. Mulazim ki tankhwah, advance aur hazri mulazim wale hisse mein rehti hai, aur customer wali taraf se koi cheez wahan tak nahin pohanchti.

Doosra aadha kaam ijazatein karti hain. Team ke kisi fard ko bikri likhne aur adaigi lene ki ijazat di ja sakti hai aur naya customer daalne ki nahin, yani wohi usool jo aap ne kisi aam din elan kiya tha, ab dukan ke haath mein.

Saat tareekh aaye aur kuch na aaye to yaad dehani kharidne wale ko jati hai, mulazim ke zariye nahin: us ke apne login par app ke andar itla, agar wo customer wali app rakhta hai, aur ek button jo dabate hi WhatsApp ki chat khol deta hai jis mein balance likha aata hai aur bhejte aap khud hain. Aur jo statement aakhir mein aap us ke haath mein dete hain wo us ke apne page se chhapta hai, jis par mulazim ka naam kahin nahin.

Aksar poochhe jane wale sawal

Mera mulazim imandar hai aur saalon se mere sath hai. Kya main us ki baat par bharosa na karoon?

Dukan ke maamlon mein aap pehle hi karte hain. Teesre aadmi ka paisa alag cheez hai, jise koi yaqeen se nahin jaanta. Rishtedar ko wohi pehli had dein jo har naye naam ko milti hai aur adaigi ko bolne dein. Wo waisa hi acha nikla jaisa mulazim kehta hai, to teen mahine mein had khud barh jayegi.

Rishtedar ko bura laga ke maine number maanga aur had chhoti rakhi. Ab kya kahoon?

Ek line, maazrat ke bagair: "Is dukan mein har naya khata Rs 3,000 par khulta hai aur saaf hone par barhta hai." Wohi seedha lehja rakhein jo anjaan aadmi ke liye rakhte, kyunke isi se yeh usool banta hai, us ke baare mein raye nahin. Jo pehli had par bahes karta rahe wo aap ko kuch bata raha hai.

Mulazim ne rishtedar ke samne hi keh diya "main zamin hoon". Kya itna kaafi hai?

Nahin. Rishtedar ke samne kiya gaya wada dabao mein hota hai. Agli subah usay akele mein raqam bata kar poochein: "Us ka page Rs 12,000 tak ja sakta hai. Ab bhi peeche kharay hona chahte hain?" Wo tab bhi haan kahe to customer ke page par us ke naam ke sath likh lein. Chup ho jaye to jawab mil gaya aur kisi ki sabki bhi nahin hui.

Rishtedar bilkul na de to kya main balance mulazim ki tankhwah se kaat sakta hoon?

Nahin, jab tak usne pehle se, likh kar, tay shuda raqam par ijazat na di ho. Kisi doosre ka balance tankhwah se kaatna ache mulazim ko naraz karne ka tareeqa hai, aur naya aadmi rakhne ka kharcha aksar us balance se bhi zyada parta hai. Paisa usi se lein jo saman le kar gaya.

Us ne meri gair mojoodgi mein rishtedar ko udhaar de diya. Kya main usay akela counter par khara karna band kar doon?

Yeh zaroorat se zyada sakhti hai, aur wo bhi yehi samjhega. Usool theek karein: wo kisi ko bhi bech sakta hai aur kisi se bhi adaigi le sakta hai, lekin naya khata ya nayi had sirf aap. Yeh baat kisi aam din sab ko kahein, waqiye ke baad sirf usay nahin.

Rishtedar ke samne mulazim ko chhota mehsoos karwaye bagair inkaar kaise karoon?

Aadmi se nahin, raqam se inkaar karein, aur dukan ki zaban mein karein. "Naye page par aaj Rs 3,000 ho sakte hain, sab ke barabar." Phir itna saman khushi se de dein. Mulazim dekhta hai ke aap ne us ke rishtedar ko theek customer ki tarah liya, aur yeh us ke liye us ehsan se kahin aasan hai jise poori dukan ehsan samajh rahi ho.