MoqablaUdhaar
Udhaar ki hadd raqam se rakhein ya dinon se
Ek hadd rokti hai ke ek naam kitna le sakta hai, doosri yeh ke paisa kitni der bahar rahe. Dono kya bachati hain, kahan nakaam hoti hain, aur kya chahiye.

Dono chalte hain, aur dono alag cheez rokte hain. Raqam ki hadd ek nuqsan ka size rokti hai. Dinon ki hadd rokti hai ke aap ka paisa kitni der bahar rahe, aur aap ko woh jumla deti hai jis par customer bahes nahin kar sakta. Rozana kaam dinon wali karti hai.
Do baarhein, aur aksar koi soch kar nahin chunta
Das dukandaron se poochh lein ke un ka udhaar ka usool kya hai, jawab do hi shakalon mein aayega. "Yahan koi Rs 5,000 se aage nahin jata." Ya, bohat kam, "meri dukan mein koi cheez ek mahine se zyada khuli nahin rehti."
Yeh ek usool ke do roop nahin hain. Ek baar rupay se bani hai. Doosri dinon se. Dono ek jaisi lagti hain kyunke dono ka anjaam counter par "nahin" kehna hai, magar yeh do alag tabahiyon se bacha rahi hain, aur jis dukan ke paas sirf ek hai woh doosri taraf se bilkul khuli khari hai.
Raqam wali baar ek sawal ka jawab deti hai: ek naam mujhe kitne ka par sakta hai? Dinon wali doosra sawal poochhti hai: mera apna paisa kitni der kisi aur ke paas reh sakta hai?
Koi sawal doosre se bara nahin. Jab aap tay kar chuke hain ke udhaar dena banta hai, to chaar cheezein taulein. Har baar kya pakarti hai, kya guzar jane deti hai, chalane ka kharch kya hai, aur teen customers ke saamne khare aadmi se kya kehna parta hai. Aakhri baat aksar faisla karti hai aur sab se kam sochi jati hai.
Raqam ki baar size rokti hai, aur bas
Raqam ki hadd woh usool hai jo taqreeban har dukan ke paas pehle se hai, chahe kabhi elaan na hua ho. Har purane customer ka ek number aap ke zehan mein rehta hai, aur jab woh us se aage barhe to aap khamosh ho jate hain ya bahane dhoondne lagte hain.
Theek se likh lein to yeh achha usool hai. Yeh aap ke bad-tareen din par chhat daal deta hai. Agar chhat Rs 5,000 hai aur ek aadmi chala jaye, to aap ke Rs 5,000 gaye. Takleef hoti hai, aap bach jate hain, aur number pehle se maloom tha. Jo dukanein buri tarah doobti hain unhein bees naamon ne nahin maara hota. Do naamon ne mara hota hai jinhein koi number rokta hi nahin tha.
Ab suraakh, aur yeh chaura hai. Raqam wali baar ki waqt ke bare mein koi raye nahin. Ek aadmi do saal tak aap ke Rs 4,800 rakh sakta hai aur ek dafa bhi usool nahin torta. Woh baar ke andar hai. Thora leta hai, thora deta hai, aur balance Rs 4,300 se Rs 4,900 ke darmiyan saans leta rehta hai. Aap ka paisa us ka rashan bohat pehle khareed chuka aur us ke baad maal nahin khareeda. Usool poori tarah nibhaya ja raha hai aur paisa mar chuka hai. Purane balance theek isi tarah bante hain, un dukanon mein jo apne aap ko ehtiyat wala samajhti thin.
Yeh baar tab tak khamosh rehti hai jab tak koi number ko haath na lagaye. Aaram se chalta hua paanch saal purana balance kabhi ek baat bhi shuru nahin karata.
Dinon ki baar umar rokti hai, aur bas
Dinon ki hadd doosri qism ki cheez hai. Jo bhi lein, tees din ke andar saaf. Rs 400 lein ya Rs 4,000, dukan ko raqam se matlab nahin. Matlab yeh hai ke tees-wein din takhti saaf ho. Yeh baat khud ko saaf keh lein, kyunke log yahin ghalat samajhte hain: dinon ki hadd sirf yeh tay karti hai ke aap aur dena kab band karenge. Der lagane par us ke zimme kuch bhi barhaya nahin jata.
Yeh aap ke liye paisa chalta rakhti hai. Supplier apni tareekhon par chalta hai aur kiraya pehli ko aata hai. Dono customer ke sochne ka intezar nahin karte. Tees din wali dukan doosron ki ek mahine ki kharidari chala rahi hoti hai. Jis ke paas yeh usool nahin, woh jitna dher lag chuka hai woh chala rahi hai, aur dher hamesha andaze se bara hota hai. Haftawar ya mahine ke aakhir wala sawal isi baar ki do lambaiyan hai.
Buri khabar bhi jaldi milti hai. Dinon wale usool mein pareshan aadmi ek mahine ke andar usool torta hai aur aap ko dikh jata hai. Raqam wale usool mein woh do saal tak aise balance ke peeche chhupa reh sakta hai jo hilta hi nahin.
Ab is ka apna suraakh, utna hi chaura. Dinon wali baar ki size ke bare mein koi raye nahin. Farz karein poora ek ghar aap ki dukan se khata hai. Ek mahine mein Rs 22,000 guzarte hain, har rupaya tees din ke andar, har rupaya tees-wein din saaf. Behtareen customer, behtareen record. Phir ek mahina us ka apna paisa nahin aata, aur aap Rs 22,000 utha rahe hain us dukan par jis mein Rs 40,000 ka maal khara hai. Ek bura mahina aap ko khatam kar deta hai, aur usool toota hi nahin.
Har usool aap ke munh mein ek jumla daalta hai
Ek hi shaam, ek hi aadmi ko mana karne ke do tareeqe
Calendar mana karta hai
- "Ilyas, aap ka mahina poora ho gaya. Rs 3,400 saaf karein, khata kal phir khul jayega."
- "Tees din, aur yeh poori dukan ke liye ek jaisa hai."
- "Jo khara hai woh de dein aur aaj jo chahiye le jayein."
Aap mana karte hain
- "Ilyas, aap ki limit khatam ho gayi hai. Ab main aur nahin de sakta."
- "Aap is dukan se pehle hi bohat le chuke hain."
- "Mujhe kahin to rokna hai, aap samajhte hain."
Is safhe ki sab se mazboot daleel yahi hai, aur yeh dinon wali hadd ke haq mein jati hai.
Mangal ki raat sawa aath baje. Ilyas aate ka thaila aur tel ka dabba counter par rakhta hai, aur do aadmi us ke peeche apni bari ka intezar kar rahe hain. Raqam wale usool mein aap ka jumla hai: "Ilyas, aap ki limit khatam ho gayi hai." Suniye is ka asal matlab kya hai. Yeh kehta hai ke masla woh khud hai. Yeh kehta hai ke dukan ne us ko naap liya aur faisla de diya ke bas. Peeche khare dono ne yeh suna, aur woh aata khatam hone ke baad tak yeh yaad rakhega.
Dinon wale usool mein jumla yeh hai: "Ilyas, aap ka mahina poora ho gaya." Mana wohi, matlab bilkul alag. Ab dukan ne faisla nahin diya. Calendar ne diya. Is mein bahes ki koi jagah nahin, kyunke tees tareekh naai ke liye bhi tees hai, master ji ke liye bhi, aur us ke apne cousin ke liye bhi. Woh usool par khafa ho sakta hai. Us ki beizzati nahin ho sakti.
Is farq ki asal qeemat hai. Raqam wala inkar aadmi ko tan jane par majboor karta hai, aur tana hua aadmi aap ki dukan se katrane lagta hai, jo us waqt sab se buri baat hai jab us par paisa khara ho. Calendar wala inkar us se tareekh dikhwata hai. Woh ghar jata hai, jumeraat ko Rs 3,400 laata hai, aur usi shaam phir saudha leta hai. Customer barqarar.
Ek baat aur. "Aap ka mahina poora ho gaya" baar baar kaha ja sakta hai. Ek hi aadmi se saal mein baarah dafa kahein, yeh kabhi zaati nahin banta, kyunke yeh us ke bare mein tha hi nahin.
Wohi customer, do usool, teen mahine
Farz karein ek aadmi, ek gali, wohi saudha, aur sirf baar badalti hai.
Teen mahine, sirf raqam ki hadd par (chhat Rs 5,000)
Sirf raqam wale usool mein dekhein aap kahan khare hain. Har usool nibhaya gaya. Kisi ne bahes nahin ki. Aur teen mahine baad aap ke paas Rs 5,000 khare hain jo ruk chuke hain, ek aise customer ke, jo ab apna zyada saudha nukkar wali dukan se leta hai, kyunke aap ki apni baar ne us ko wahan bheja aur aap ka paisa yahin reh gaya.
Wohi teen mahine, sirf 30 din ki hadd par
Sirf dinon wale usool mein wohi teen mahine bilkul aise nahin lagte. Rs 13,400 wapas aaye aur teen alag dafa maal khareeda. Teesre mahine mein aap ko ek asli baat bhi pata chali, waqia hone ke tees din ke andar.
Dinon wale usool ko jitne se pehle teesra mahina dobara parhein. Us ka mahina Rs 7,200 tak chala gaya, jo raqam wali baar us ko kabhi na deti, aur bhaari mahine mein is se bhi zyada hota. Dinon wale usool ne aap ka paisa wapas kara diya aur khamoshi se ek ghar par aap ka bojh barhne diya.
Poora muqabla in do dabbon mein hai. Raqam wale usool ne size bacha liya aur chaal maar di. Dinon wale usool ne chaal bacha li aur size ko chhor diya.
Har baar ko chalane ka kharch
Raqam ki hadd aur dinon ki hadd, aamne saamne
Jis usool ko aap check nahin kar sakte woh usool nahin, umeed hai. Chunne se pehle mehnat gin lein.
Raqam wali baar ko ek cheez chahiye: har naam ka chalta hua total. Taqreeban har dukan ke paas yeh aadha hai, aur aadha hona hi masla hai. Number us copy mein rehta hai jise jama karna parta hai, ya zehan mein, jo aath naamon par theek hai aur assi par bekaar. Baar sirf bechte waqt kaam karti hai, is liye total counter par theek ho, itwar ki raat ko nahin.
Dinon wali baar ko woh cheez chahiye jo aksar copiyan waqai nahin de sakteen: balance ki umar. Aakhri entry ki tareekh nahin, balke woh tareekh jab se khula paisa khula hai. Jis aadmi ne jumay ko Rs 500 diye us maal ke badle jo do mahine pehle gaya tha, us ki entry nayi hai aur balance purana, aur copy fakhar se nayi entry dikhati hai. Yeh dinon wale usool ki sachi kamzori hai, aur isi liye itni kam dukanein ise chalati hain, halanke yeh behtar baar hai. Aap tees din nafiz nahin kar sakte jab koi bataye hi nahin ke tees din purana kya hai.
To raqam wala usool chalana aasan hai aur bachata kam hai. Dinon wala usool zyada bachata hai aur dekhna mushkil hai.
Kaun si baar kis customer par
Har naam ke liye theek baar ek jaisi nahin, aur ek hi sab par chalana ek taraf paise ka aur doosri taraf customers ka nuqsan hai.
Dihari par kamane wala ghar mahine bhar ka balance nahin utha sakta. Us ka paisa aata hai aur usi hafte khatam ho jata hai, chahe kitna hi imandar ho. Us ko akela tees din ka usool dein aur woh har mahina nakaam hoga. Wahan chhoti raqam ki chhat asal kaam karti hai, aur woh us ko utna hi bachati hai jitna aap ko.
Tankhwah dar ghar bilkul ulta hai. Woh tankhwah wale din sab kuch de sakta hai aur us se pehle kuch bhi nahin. Us par raqam wali baar sirf rukawat hai: atharwein din woh Rs 5,000 chhoo leta hai aur barah din mana suna jata hai, jis se kisi ka bhala nahin. Us ki tankhwah ke baad girne wali dinon ki hadd us par theek baithti hai.
Teesri soorat woh chhota dukandar hai jo aap se maal leta hai. Us ka paisa rozana aata hai magar dher ki shakal mein, aur us par us ke apne customers ka paisa khara hai. Us ke liye dono baarhein banti hain, kyunke yehi naam khamoshi se barhta hai jab aap us ke kaam se khush ho rahe hote hain.
Aur bara be-tarteeb kharidar, jo saal mein do dafa ek hi baar Rs 9,000 ka utha leta hai. Sirf usi soorat mein raqam wali baar asal hifazat hai. Us ke saath khatra waqt nahin. Size hai.
Achhi dukanein aakhir mein kahan pohanchti hain
Poori baat aakhir tak lein to aap wahin pohanchte hain jahan ehtiyat wali dukanein pohanchti hain: dono baarhein, alag alag kaam par.
Rozana kaam dinon wala usool karta hai, kyunke wohi hai jo aap waqai zubaan par la sakenge. Tees din, sab ke liye ek jaisa, ek dafa elaan aur phir bina istisna. Yeh paisa chalta rakhta hai, khabar jaldi laata hai, aur taalluq ka kuch nahin leta kyunke kisi shakhs par ungli nahin uthata.
Raqam wala usool us ke peeche har naam ki chhat ban kar baithta hai, aur yeh chhat hilti hai. Naya chehra Rs 1,000 se shuru hota hai. Jis ne chhe mahine saaf nibhaye woh Rs 4,000 par hai. Kisi ko us ka number nahin bataya jata jab tak woh wahan na pohanche, aur pohanchna kam hi hota hai, kyunke dinon wala usool balance khali karta rehta hai. Aahista barhne wali chhat aisa inaam hai jis ka aap par kharch nahin, aur yehi tay karta hai ke shuru mein kitna dena hai.
Istisna par bhi insaaf karein. Agar dukan nayi hai, ya chhoti, ya yeh chehre abhi ajnabi hain, to sirf raqam wala usool sacha faisla hai. Jo umar aap dekh nahin sakte woh nafiz nahin kar sakte, aur jo chhat aap nibha lein woh us usool se behtar hai jo elaan ho kar doosre mahine chupke se chhor diya jaye. Rupay se shuru karein. Din tab shamil karein jab copy unhein dikha sake. Wasoolo mein yeh umar har customer ki apni hadd aur us balance ki shakal mein hai jo apni pehli tareekh saath rakhta hai.
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Purane customer ko bina bura lagaye baar lagana
Usool aasan hissa hai. Jin logon par aap pehle se bharosa karte hain unhein khoye bina ise lagane mein ek mahina lagta hai.
Elaan sab ke liye karein, sirf un ke liye nahin jin ki fikar hai. Deewar par ek chhota card, aur har purane customer ko wohi jumla jab woh aaye. Jumay ko paune saat baje Nasreen chai ke do brand ke darmiyan soch rahi hoti hai, aur aap usi waqt keh dete hain: "Pehli tareekh se dukan sab ke liye tees din par ja rahi hai." Woh sar hilati hai aur kuch nahin poochhti, kyunke saaf hai ke yeh us ke bare mein nahin. Sab se pehle apne behtareen customer ko kahein, doosron ke saamne, taake koi ise apne upar na le.
Purane balance maangne ke bajaye mohlat se sambhalein. Jis aadmi par saal bhar se Rs 6,000 khare hain woh wahan akela nahin pohancha, aap ne pohanchne diya. Adaigi nahin, plan maangein: aadha ek mahine mein, aadha us ke baad wale mein. Purane paise ki larai aur naye usool ka elaan ek hi din karna usool ko dhamki bana deta hai.
Phir pehla mahina bilkul theek nibhayein. Us pehle mahine mein ek istisna usool ko maar deta hai, kyunke shaam tak sab ko pata chal jayega. Us ke baad usool khud ko sambhal leta hai. Aur yaad rakhein yeh sab kis ke liye hai, kyunke paanch saal tikne wala customer us kisi bhi balance se qeemti hai jo aap kabhi wapas nikalenge.
Jo copy umar dikhati hai wohi tees din ko woh cheez banati hai jo dukan dekh sake, na ke woh jo masroof shaam mein yaad rakhni pare, aur Wasoolo sirf yeh boring hissa karta hai. Rupay se baar lagani hai, dinon se, ya dono se, yeh aap ka faisla rehta hai, kyunke counter par kehna aap ne hai.
Chhoti dukan ke liye kaun si hadd behtar hai, rupay ya din?
Agar sirf ek chala sakte hain to rupay chalayein. Yeh woh baar hai jo ek copy waqai nibha sakti hai, aur bad-tareen ek nuqsan rok deti hai. Din tab shamil karein jab copy har balance ki umar dikha sake.
Hadd kitne dinon ki honi chahiye?
Yeh us se milayein ke customers ko paisa kaise milta hai, kisi gol number se nahin. Tees din tankhwah daron par theek. Pandrah un par jo haftawar kamate hain. Saat dihari walon par. Tareekh us se pehle aaye jab balance aap ki taaqat se nikal jaye.
Kya dinon ki hadd ka matlab der par kuch extra lena hai?
Nahin. Dinon ki hadd sirf yeh tay karti hai ke dukan aur dena kab band kare. Der lagane par us ke zimme kuch barhaya nahin jata, aur na barhana chahiye. Upar se kuch lagana paise ke masle ko larai bana deta hai.
Achha customer phir bhi hadd paar kar jaye to?
Saudha de dein, likh lein, aur usi shaam jumla keh dein. "Aap ka mahina poora ho gaya, saaf karein aur khata kal khul jayega." Ek aadmi ko khamoshi se guzar dena usool ko maar deta hai, kyunke baqi sab ko ek din mein pata chal jata hai.
Kya customers ko un ki raqam wali chhat batani chahiye?
Aksar nahin. Pehle se diya gaya number nishana ban jata hai aur log wahan tak kharch karte hain. Chhat apni copy mein rakhein aur counter par istemal karein. Elaan dinon wale usool ka karein, kyunke woh sab ke liye ek jaisa hai.
Kya ek dukan alag customers par alag usool chala sakti hai?
Haan, aur achhi dukanein chalati hain. Poori dukan par ek dinon ka usool ise insaaf wala aur kehne mein aasan rakhta hai. Us ke neeche raqam ki chhat har naam ki apni hai, aur woh us ke dene ke tareeqe se hilti hai.