भाई आपने बिल्कुल सही किया है मैने भी बहुत परेशान होकर छोड़ दिया हु क्युकी ज्वाइन के समय रूल तो आरबीआई के समझाते हे और बाद में दिमाग की नाश फाड़ देते है और इतना ज्यादा कुछ कह देते की बस फिर क्या आत्महत्या करने का मन करता है और सुबह से 7 बजे कस्टमर के घर पर बैठने के लिए बोल देते है और भाई भगवान करे की कोई भी माइक्रो फाइनेंस में ना जाए।
सही बोला भाई मैं भी रायपुर जोइनिग के लिए गया था मेरा पान कार्ड डेडक्ट हो गया और मैं ज्वाइन नही ले पाया ।। तुमने ये बात बता कर बहुत अच्छा क्या लोगो को परेशान करके पैसे नहीं ले सकता
Bhai maine bhi Bharat finance ke andar kam Kiya hai vahan per bhi yahi system tha aapke jaisa BM Kitna Paisa lekar ho aur member ke pass Paisa nahin hota tha tab apni pocket se Paisa bharna padta tha tab maine bhi aapke Jaise chhodati company ko microfinance kam karne layak jo bhi nahin hai bhaiya
Maine bhi chhod Di BM hame danda krta tha ham logo ko.....lekin unki majboori thi ki kam nahi milne se kisht nahi bhar paate the hamare samne pura pariwar kishat ko lekar pareshan tha.
are yaar tere bas ka hi nahi tha lol jaisi bat kar raha hai . bhai paisa baut hai kam bhi to karna padega .b aithe baithe thodi na milega yaar . tu chhoda nhi usne nikala hoga tere ko.😄😄😄
@@king643g see brother...I'm working in Satya Microcapital Ltd which is a Microfinance, but I don't work as a collection officer but as a branch executive and I will be able to tell you the brutality of the MFI industry. Collection officers have three levels in Satya, Apprentice, EDO and Senior EDO. The pay for apprentice is 12,500-15,500 and for EDO it's 23,000-28,000 and for Sr. EDO it's like 31,000-37,000. Salary is quite good, right?..but now hear the work culture and work hours for a complete picture. We know, NOBODY GIVES ANYTHING TO OTHER FOR FREE. Same goes here in Satya Microcapital. Since the compensation is so high, the MFI strips off your personal life and health. Here's a brief overview of the day in the life of a collection officer. 1) Day starts at 6:30am in office. Since day starts so early, the company either expects you to stay in their own dormitory (NO INVERTER POWER, NO AC, AND NO NON VEG IN DORM) or be a local person of the area. Timing is sharp 6:30am, even 1min late is unacceptable. 2) Now till 8am, the branch manager will assign humungous targets like E-SIGN(simply put, giving new loans), OD clearance (overdue of EMI that needs to be recovered from clients) and regular demands (simply means, the collection amount for the day). Mind it, the highest regular demands I've seen is 480. This means, you'll have to visit 480 people to collect kisht/EMI. Now, every MFI has this protocol of groups. Groups are simply a gathering of people in a predetermined place to submit their kisht/EMI. However, it is not usually seen as people usually don't gather in group meeting to pay and hence the collection officer has to go to each home individually which is a really daunting task. 3) By 8am, every officer has left the office for collection purpose. The dormitory is to be locked in the morning and the keys are taken by BM or submitted to branch executive so that no collection officer can go in the dorm and rest. Forcing them to be on the field all day. The branch executive is strictly said not to forward the keys to the dorm to any officer for petty reasons and should accompany the officer to the dorm and shouldn't be left unattended. 4) As a branch executive, I usually leave the branch around 6:30pm, if the work load is low. The branch executive post has low work than collection officers, but there is NO GROWTH and the salary is also less. Furthermore, they are not also entitled to perks like food allowance, fuel allowance which the officers are entitled to. Before, leaving the branch, the executive has to check the mails, print next day ECS and then he/she is allowed to go. There is a condition, if the branch executive stays in the dormitory, his work timings are equal to the officers work hours since the dorm isn't open until all the officers are finished with their work. 5) The collection officers, return the office as early as 8pm and as late as 12am(midnight). Then the Branch manager will enter the collection amounts and other details for the day and have a 30min meeting with the officers and higher management, no matter how late in the night. 6) The officers return the dorm as early as 9:30pm or as late as 1-2am depending on the day's target. And then the next day the cycle continues. The officers sometimes have to work with no leave...NO SUNDAYS too...They hardly sleep 4-5hours a day and their health deteriorates too because of unhealthy eating and lifestyle. The management encourages them to eat outside in hotel to save time for collection which strips off their gut health and mental health. In a nutshell, No matter what MFI you belong to. MFI industry is designed in such a way as I mentioned. You'll have to work 16-17hours a day, even on Sundays. There are very few holidays compared to other sectors. No matter what weather condition is, be it a storming cyclone or a 45 degree hot weather. You'll find yourself working and cursing your life
Bilkul sahi kiya bhai
Me chhahta hu ye jitna company hai sab band ho jaaye iske aane sab or garibi me jaa raha hai
Koi nahi bhai jo hoga aacha hoga😊 Tum bhaut himmat wale ho jo ye decision liye.
भाई आपने बिल्कुल सही किया है मैने भी बहुत परेशान होकर छोड़ दिया हु क्युकी ज्वाइन के समय रूल तो आरबीआई के समझाते हे और बाद में दिमाग की नाश फाड़ देते है और इतना ज्यादा कुछ कह देते की बस फिर क्या आत्महत्या करने का मन करता है और सुबह से 7 बजे कस्टमर के घर पर बैठने के लिए बोल देते है और भाई भगवान करे की कोई भी माइक्रो फाइनेंस में ना जाए।
Wright bro ❤
No.do bhai aapka plz ya insgram I.d.btao
No time table in this job, very good decision
Bhai tum ne Grameen Koota (credit access grameen) me kitne din kam kiye.
100% sahi baat bola h Bhai
Bhai m kisi or company me loan experience hu,to fusion company me join karu ya nhi,shi ray dijiy bhai
सही बोला भाई मैं भी रायपुर जोइनिग के लिए गया था मेरा पान कार्ड डेडक्ट हो गया और मैं ज्वाइन नही ले पाया ।। तुमने ये बात बता कर बहुत अच्छा क्या लोगो को परेशान करके पैसे नहीं ले सकता
Micro Finance matalab apni zindagi time pass , time weast karane jaisa hai
Bhai maine bhi Bharat finance ke andar kam Kiya hai vahan per bhi yahi system tha aapke jaisa BM Kitna Paisa lekar ho aur member ke pass Paisa nahin hota tha tab apni pocket se Paisa bharna padta tha tab maine bhi aapke Jaise chhodati company ko microfinance kam karne layak jo bhi nahin hai bhaiya
Ham microfinance me field officer ka kam karte hai bahut maja aata hai
Apne bilkul sahi bola bro.
Maine apke video dekhne k baad v microfinance job main join kiya tha main ab job skip karna hai
Keep Patience...aage achcha ही होगा
Koun sa branch ka tha bm
Place kaha ka tha
Branch name
Kya microfinance me abscond ke baad kisi bhi company microfinance ke alawa waha kaam me koi dikkat ho sakti hai..
Kon kon si POST hotii h finance m pls batayeee 🙏🙏 genuine 🙏🙏🇮🇳🇮🇳🕉️🙏🇮🇳
Office mai sales officer,branch account,branch manager 😊
Sahi baat hai bhai main bhi Bharat micro finance mein kam Karta tha main bhi dalta tha customer ka 1000 kabhi 2000😢😢😢😢 daily dalta tha
Industrial job dekha n bhai
Lekin bilkul sahi kiya fir kabhi Finance join mat karna 👍💯
Maine bhi chhod Di BM hame danda krta tha ham logo ko.....lekin unki majboori thi ki kam nahi milne se kisht nahi bhar paate the hamare samne pura pariwar kishat ko lekar pareshan tha.
Company paisa deti h to khti customer ke sath much bhi karo
Good job bro main v chor di wo job usse jda faltu kaam or kuch nhi hai
😂😂😂
Kon finance me thi aap
Hello bhai konse company me the . Maine bhi joining keliye form bhara hai please inform me realty
Paise kama h to jao
@@rohitthakre9600 bataye
Mujhe bhi phone kiya tha main 2 days ka time diya hu
Bahut badhiya soch hai bhai
Vai achha kiye .
कमी निकालोगे तो हर काम में
कमी निकलेगा लोग 1 साल 2 साल से कैसे कम कर रहे हैं अपने आप को स्ट्रांग बनओ
Haa bhai sahi kaha apne
Sahi kiye ho bhai
Sahi kiya bhai
Mere dimag ki aisi ki taisi kar training me hi😂😂😂
Apne pocket se paisa bhrenge hum kya pagal hai
Sahi h baat
Mai abhi kr rha hu
Resign dia hai
Maine bhi chood diya bhai ek hi mahina kiya bas bhut bekaar job hai bhai micro finance company ka mai ssfl me tha
Mai bhi ssfl me hu chhod dun kya
@@satyamtiwari7117 yess bro Maine bhi chhod diya jindagi jhaat ho jati hai bhai
@@P.k.ayodhya salary toh bhai sahi deta h
@@satyamtiwari7117 kch nhi yaar mai bhi harraiya me laga tha bhai ssfl me dimaag kharab ho gaya tha yaar wapas Mumbai aa gaya chhod kar
Me bhi Grameen koota me work karta hu job se nikal gya
Konsi bhi bank ho Group loan aur Micro finance me mat karo...
Bilkul sahi kye hm vi BFIL chor dye
Bfil to chor h mai bhi kiya hu bhai
Chhor diya achha huw hai
Tumko kon rakh tha yaar
Sir company paisa dete hai to lane ka kam apka iska hi to selery deta hai
Preshar me karna parta hai kaam
Bm ho kiya apo
@@biki2uttam no
E soch se aage jaiye ga
@@cyber_cafe_777 thanks leking ma abhi tak join nahinkiya mera uncel manegar hai
Ye micro fince bank logo ko janwar samjhte hai lgta hai
Tumko jeise staff company ko nhi chahiye
Hy bro
Tumse kuch bat krna hai
Aabe tu h kon humko bulawo na hum kam karenge
isme Bm ki galati h apka nhi
Ha to aisa ghatiya jagah kon kam karega 😂😂
are yaar tere bas ka hi nahi tha lol jaisi bat kar raha hai . bhai paisa baut hai kam bhi to karna padega .b aithe baithe thodi na milega yaar . tu chhoda nhi usne nikala hoga tere ko.😄😄😄
Bhai mai bhi join krne wala hu but jisko dekho wo bura bol raha hai ye job ko kya Karu bhai bhot confuse hu mai yaar
@@king643g
Main bhi confuse hoon yaar
@@king643g roj
12
16 ghante kerna peraga
Job mst h pr esko krne nh aya microfinance me paisa bht h bs dimag or mehnat ho to
@@king643g see brother...I'm working in Satya Microcapital Ltd which is a Microfinance, but I don't work as a collection officer but as a branch executive and I will be able to tell you the brutality of the MFI industry.
Collection officers have three levels in Satya, Apprentice, EDO and Senior EDO. The pay for apprentice is 12,500-15,500 and for EDO it's 23,000-28,000 and for Sr. EDO it's like 31,000-37,000. Salary is quite good, right?..but now hear the work culture and work hours for a complete picture.
We know, NOBODY GIVES ANYTHING TO OTHER FOR FREE. Same goes here in Satya Microcapital. Since the compensation is so high, the MFI strips off your personal life and health. Here's a brief overview of the day in the life of a collection officer.
1) Day starts at 6:30am in office. Since day starts so early, the company either expects you to stay in their own dormitory (NO INVERTER POWER, NO AC, AND NO NON VEG IN DORM) or be a local person of the area. Timing is sharp 6:30am, even 1min late is unacceptable.
2) Now till 8am, the branch manager will assign humungous targets like E-SIGN(simply put, giving new loans), OD clearance (overdue of EMI that needs to be recovered from clients) and regular demands (simply means, the collection amount for the day). Mind it, the highest regular demands I've seen is 480. This means, you'll have to visit 480 people to collect kisht/EMI. Now, every MFI has this protocol of groups. Groups are simply a gathering of people in a predetermined place to submit their kisht/EMI. However, it is not usually seen as people usually don't gather in group meeting to pay and hence the collection officer has to go to each home individually which is a really daunting task.
3) By 8am, every officer has left the office for collection purpose. The dormitory is to be locked in the morning and the keys are taken by BM or submitted to branch executive so that no collection officer can go in the dorm and rest. Forcing them to be on the field all day. The branch executive is strictly said not to forward the keys to the dorm to any officer for petty reasons and should accompany the officer to the dorm and shouldn't be left unattended.
4) As a branch executive, I usually leave the branch around 6:30pm, if the work load is low. The branch executive post has low work than collection officers, but there is NO GROWTH and the salary is also less. Furthermore, they are not also entitled to perks like food allowance, fuel allowance which the officers are entitled to. Before, leaving the branch, the executive has to check the mails, print next day ECS and then he/she is allowed to go. There is a condition, if the branch executive stays in the dormitory, his work timings are equal to the officers work hours since the dorm isn't open until all the officers are finished with their work.
5) The collection officers, return the office as early as 8pm and as late as 12am(midnight). Then the Branch manager will enter the collection amounts and other details for the day and have a 30min meeting with the officers and higher management, no matter how late in the night.
6) The officers return the dorm as early as 9:30pm or as late as 1-2am depending on the day's target. And then the next day the cycle continues.
The officers sometimes have to work with no leave...NO SUNDAYS too...They hardly sleep 4-5hours a day and their health deteriorates too because of unhealthy eating and lifestyle. The management encourages them to eat outside in hotel to save time for collection which strips off their gut health and mental health.
In a nutshell, No matter what MFI you belong to. MFI industry is designed in such a way as I mentioned. You'll have to work 16-17hours a day, even on Sundays. There are very few holidays compared to other sectors. No matter what weather condition is, be it a storming cyclone or a 45 degree hot weather. You'll find yourself working and cursing your life
Kya kre bhai ek bar finance me job krne ke bad ghar ke log bhi finance hi Jane ke liye bolte h majburi nahi samajhte wo log bhi
Sahi kiya bhai