Meeting a slap provocating doctor

I went to Birdem Women Hospital at Segun Bagicha on 31/07/2015 morning to check if someone can come to our home ( 2 buildings difference) to infuse Saline to my dad. As per mom's advise, I went to emergency room if doctor there can send anyone (on/off duty). I entered in the room of the doctor after giving reference. The on duty doctor, Shaheda/Shaila, was busy with he mobile. Sister gave my mom's reference  to her. Still she said she won't talk over phone without reason. Considering the situation, I requested her to talk. She just said "Ajob" and threw her own phone on that phone with a pissed off mood. Mom described the situation over phone and requested a personal help as a colleague. She denied saying that she cannot help and none working there can do off duty works. Then I managed Saline infusion from somewhere else. 

Point: The behavior she shown can provoke anyone to get angry/rude on her. She who cannot help a professional colleague in emergency and refuse rudely, can never be positioned in such vulnerable posts. People can never be rude with a smiling/well behaved person. The way that lower class doctor behaved is worth provoking and it is her good luck that I was still smiling. Someone in my position would just give her a slap. Hospitals should have a service quality department to check service. Being a banker, we have to behave well with customers others regulatory body or our SQ department will take action against us. Moreover, our livelihood come from these customers. One cannot only blame patients(customers) for behaving unruly. Please check first whether your one is okay or not and remember, customer is the king.

Massive consumer lending: Is credit card threat to struggling Bangladesh economy?

It has been more than a decade that financial institutions (FI) and banks in Bangladesh are selling credit cards in mass level. For an emerging economy like ours, credit cards play a vital role for changing lives of commoners. Being a vanilla product in banking term, credit card is easy to get, collateral free with an interest rate higher than regular consumer lending rates; in some cases almost double. A family can fulfill their dream of buying household goods and pay back in their convenient installment amount and tenor. However, since all banks and FIs are in aggressive lending for credit cards due to high profit margin, it is easier for a person to get credit cards from more than one bank, in some cases 4-5 banks. This extra credit facilities sometimes lures customers to spend more than his affordability. During this time when our economy is struggling for maintaining a consistent GDP, such spending by mass people may pose a threat to banking sector. Customers with such spending nature tend to take more loans to set off their previous loans and at one point they default. Customers use their credit cards for their day to day activity and when they fail to repay, banks try to offset this loss by interest rates hike, imposing other fees and penalties. Such method to recover loss may not work all the time and banks’ profitability will be at risk always. For a country like ours, any hit in banking sector will have impact on economy. And for this, it is high time for quality credit lending. Banks should ensure that their customers are not overburdened and over exposed.  Bangladesh Bank can play a major role by introducing reporting of credit cards in Credit Information Bureau (CIB) reports and instructing all banks to download CIB report before any credit card lending. Introduction of existing credit card reporting is not that easy since it is a time consuming process and involves rearranging bank's database and in many cases banks may not have all the information required for reporting. But it needs to be started so that before making a credit decision banks/FIs can get to know customers’ existing credit exposure. It is not necessary that a good borrower with good credit history or a customer with good socio-economic background will repay credit card dues regularly. All we need is to ensure quality while lending such collateral free products and to monitor continuously after that. We cannot let our economy to fall into credit card debt crisis just for our faulty business decisions.