You must have read in some shop or the other "Lending is the scissors of love". "Please don't be embarrassed by asking for a loan". Or "borrow cash today tomorrow".
Such slogans are found written in shops.
So does this stop borrowing and giving? Do people stop asking for loans? Let us look at the reasons why there is a need to borrow.
payers
People who take monthly payment. They get the payment on the last day of the month. Or the payment is received within the 10th of the next month. Maximum people get into the habit of taking monthly payments. They buy ration, milk, vegetables, clothes, etc. from shops for a month. The shopkeeper keeps writing their account on the account. When their payment is received, then after calculating all the shopkeepers, they give money. Then from the next month they continue to walk in the same way. Even the shopkeeper does not face any problem in this type of loan. He also gets a lump sum. The shopkeeper knows that his money is not going to be lost. He gets all the money on the last day of the month. Therefore happily he gives the same for a month.
village loan
Similarly, borrowing works in villages also. People living in the village whose family members work outside. He earns money and sends it to his house in the village. He also sends money to his house once a month. Here the people of his house keep taking from the shops as per their requirement. Even plowing, sowing, seeds, fertilizers are done by taking loans only. When money comes in their hands, they give money for the work they do on credit. Here also the shopkeeper happily gives them the same. He knows that the money will not be lost.
cash seekers
These are the third type of borrowers. They do not have any fixed source of income. When they need something, they ask for money from their acquaintances. It is a different matter that no one wants to give them money. They go to many people to ask for money. If someone gives money to them, then it becomes difficult to withdraw their money. Such people avoid coming in front of the lender to the best of their ability. When confronted, tell your problem and take the next date. They keep on postponing like this every time. After asking many times, they give money with great difficulty. By the way, it is not their intention that they should not give money borrowed to anyone. But due to poverty they are compelled. Due to not having a fixed source of income, they are not able to give the money taken by anyone on time.
borrowing from moneylenders
Some people get caught in the circle of moneylenders in the affair of borrowing. These people do not get trapped inadvertently, but they get trapped deliberately. Sometimes when they need more money, these Seths get caught in the affair of moneylenders. Like daughter's marriage, or someone's illness in the house etc. In this situation big money is needed, which they do not have. So this Seth goes to the moneylenders and takes money. The moneylender gives them money on interest. Sood is also no small fat. They take this money at an interest of four to five percent a month. They do their work. But as the days pass, the interest of money increases. If they want to give money in any way, then they have to pay more interest than the principal amount. Sometimes you have to pay double or triple the money. If the money is not available, then they have to sell the land to give that money. Sometimes the land has to be given to the same moneylender from whom they have taken money.
drug addicts
Drug addicts also ask for money on loan. These people do not earn. By lying to people, they believe in borrowed money and get intoxicated. Once a man came to me and asked for one thousand rupees to see his child to the doctor. Promised to deliver the next day itself. I gave him the money. He did not return the money for several days. When I asked for money after finding him, he started making excuses. There is no money now, when I will give it. Later I came to know that he takes money from many people on the pretext of child's illness and drinks alcohol. Doesn't give money back to anyone.
People of this type get into the habit of asking for loans. It doesn't matter how much you hate them. Later on, they become shameless of the top type.
After knowing this, now it is important for you to know what are the disadvantages of borrowing money from someone.
disadvantages of borrowing money
1. Those who ask for loan money do not have respect in the society.
2. The person asking for loan does not like to meet his relatives and friends.
3. Sometimes the giver can behave badly with the borrower.
4. The borrower has to live with his face hidden.
What to do after knowing so much loss that you do not have to ask for loan money from anyone.
keep these things in mind
1. Avoid borrowing as much as possible.
2. You should live as much as you can.
3. If you have to borrow, take as much as you can easily and in a timely manner.
4. Seth should not take a loan from the moneylender either there or on interest.
5. Try to live with self respect.
6. Do not tell your helplessness to anyone.
7. Efforts should be made to remove your poverty.
8. Take a pledge in your mind that I will not borrow from anyone.
9. Try to be a giver, not a taker.
10. When you become the giver, no matter how much compulsion, the hand will not move forward to take.
If these things are implemented, one can live with respect in the society, among relatives, with friends, raising one's head. And everyone's favorite can be made.
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