“Loan, loans and more loans…That’s my life now...My investments are not yielding the desired results...I really don’t know what to do”.
“Don’t worry Bivish...This happens to everyone in their lives. Do you want me to help you out? I ate at least 10 Onam feasts more than you.” – says Vinesh.
Bivish looked at Vinesh for a while and agreed. Vinesh described how the world economy is changing rapidly these days…..Stock market crashes, World Bank loans, ADB loans, military coup in Egypt, recession, wiki leaks and its impact on the French revolution etc…
Bivish yawned and pathetically asked Vinesh – “What are you trying to tell me?”
See basically in India only agriculture sector was stable during all these days. So you need to invest there if you have the money.
“I really don’t have money for investment. When my salary comes each month, I share it with a few banks from where I took loans.”
“Don’t worry about that. Government has come up with a new loan scheme to help the agriculture sector. I will introduce you to a bank manager. Bivish goes with Vinesh to “Kannamoola GramaPanchayat Sahakarana (Cooperative) Bank”.
On seeing Vinesh the bank manger jumps from his seat and shouts..."Vinesh …no more loans for you..until you pay the last 6 months EMI… Security…security…who let him in???”
“No ...No… Mr. Pereira…Not for me...This is for my friend Bivish who wants an agricultural loan”
We have stopped all such loans...I am sorry...
Is there any loan other than house, vehicle, personal or gold which he can take??
Hmm…If he is your close friend then we can think of a loan for buying cow.
That’s brilliant…So Bivish…why don’t you take that loan?
Bivish was very much confused…He wanted help to come out of loans…now he is actually asked to take another loan…
No Vinesh.. I really don’t want that..
Bivish…You anyway will buy milk for your kid right? Milma is increasing the prices day by day and soon you will not be able to afford that.. Also you can have butter, cheese, fresh cream, ice cream, chocolate ice cream etc…
But I really don’t know much about cows and milk..
Leave that to me…I will explain to you what a cow means!
“Cows are the most common type of large domesticated ungulates. Cows are raised as livestock for meat, as dairy animals for milk and other dairy products, and as draft animals (oxen / bullocks) (pulling carts, plows and the like).”
Wait...Wait… I don’t want such a description. I know what a cow is and how it looks… But I don’t know which one to buy and what all features to look for when you buy one…
See you need to know how much liters of milk it gives…On an average it gives around 10 - 15 liters per day…
I would have liked to have one which gives at least 25 liters per day..
Mr Pereira...How much loan will he get?
Around 1 Lakh maximum.
Oh great… Bivish will take that.
Bivish I will give you 2 Holstein Friesian cows which gives 25 liters of milk for that 1 lakh...Aren’t you very happy?
A confused Bivish signs the required documents and takes the money and hands it over to Vinesh…
See Bivish you don’t have to look confused think about the money you are going to save and earn. Everyday 50 Liters of milk. Take 2 liters for your personal use and sell off the rest at Rs.25/liter and get 1200/- per day. Yearly you get 4.38 Lakhs. You pay off your loan and it is 3L profit for you in a year!!!
Bivish was clearly amazed by the numbers…"Wow…Vinesh you are an angel in disguise”!
“Don’t worry Bivish...This happens to everyone in their lives. Do you want me to help you out? I ate at least 10 Onam feasts more than you.” – says Vinesh.
Bivish looked at Vinesh for a while and agreed. Vinesh described how the world economy is changing rapidly these days…..Stock market crashes, World Bank loans, ADB loans, military coup in Egypt, recession, wiki leaks and its impact on the French revolution etc…
Bivish yawned and pathetically asked Vinesh – “What are you trying to tell me?”
See basically in India only agriculture sector was stable during all these days. So you need to invest there if you have the money.
“I really don’t have money for investment. When my salary comes each month, I share it with a few banks from where I took loans.”
“Don’t worry about that. Government has come up with a new loan scheme to help the agriculture sector. I will introduce you to a bank manager. Bivish goes with Vinesh to “Kannamoola GramaPanchayat Sahakarana (Cooperative) Bank”.
On seeing Vinesh the bank manger jumps from his seat and shouts..."Vinesh …no more loans for you..until you pay the last 6 months EMI… Security…security…who let him in???”
“No ...No… Mr. Pereira…Not for me...This is for my friend Bivish who wants an agricultural loan”
We have stopped all such loans...I am sorry...
Is there any loan other than house, vehicle, personal or gold which he can take??
Hmm…If he is your close friend then we can think of a loan for buying cow.
That’s brilliant…So Bivish…why don’t you take that loan?
Bivish was very much confused…He wanted help to come out of loans…now he is actually asked to take another loan…
No Vinesh.. I really don’t want that..
Bivish…You anyway will buy milk for your kid right? Milma is increasing the prices day by day and soon you will not be able to afford that.. Also you can have butter, cheese, fresh cream, ice cream, chocolate ice cream etc…
But I really don’t know much about cows and milk..
Leave that to me…I will explain to you what a cow means!
“Cows are the most common type of large domesticated ungulates. Cows are raised as livestock for meat, as dairy animals for milk and other dairy products, and as draft animals (oxen / bullocks) (pulling carts, plows and the like).”
Wait...Wait… I don’t want such a description. I know what a cow is and how it looks… But I don’t know which one to buy and what all features to look for when you buy one…
See you need to know how much liters of milk it gives…On an average it gives around 10 - 15 liters per day…
I would have liked to have one which gives at least 25 liters per day..
Mr Pereira...How much loan will he get?
Around 1 Lakh maximum.
Oh great… Bivish will take that.
Bivish I will give you 2 Holstein Friesian cows which gives 25 liters of milk for that 1 lakh...Aren’t you very happy?
A confused Bivish signs the required documents and takes the money and hands it over to Vinesh…
See Bivish you don’t have to look confused think about the money you are going to save and earn. Everyday 50 Liters of milk. Take 2 liters for your personal use and sell off the rest at Rs.25/liter and get 1200/- per day. Yearly you get 4.38 Lakhs. You pay off your loan and it is 3L profit for you in a year!!!
Bivish was clearly amazed by the numbers…"Wow…Vinesh you are an angel in disguise”!
