Spirituality and Banking

SPIRITUALITY AND BANKING

 

Banking means keeping in safe something.  In the initial stages, rich people wanted to safeguard their valuables with somebody with whom the faith is there.  He used to take care of all the valuables in a secured place and the valuables will be returned to the depositor as and when required.  This man may be an employee of a King or a Rich person.  Expenses for the same will be shared by all the depositors.  There was no transactions at that time neither lending money nor valuables to anybody, who need it.

Later on, the depositors, who are all good Samaritans, thought of distributing the wealth to needy people without charging extra, but with a condition to return the same to the Bank.

Since truth was prevailing at that time, people who use the wealth of the bank used to return the wealth in time.  If the loaner is unable to repay the wealth back, the bankers usually write off it because there is no meaning in harassing the person, who could not repay it because of his genuine problems.

Banking of today’s type started few years back.  Rich men never thought of making money from money, since they did not want to do so or they need it.  But after some time, people, the bankers thought of utilizing the opportunity of encashing the help that they do to the needy people.  Initially, simple interest was introduced to the user to use the money or wealth used by them and the interest will be returned along with the principal.

                  Today’s banking has become a business totally and they are not worried about the loaner and his problems.  They want their money back in time with interest, whether he is able to afford the same or not.

 Spirituality is Dharma or Righteousness and Truth which should enable everybody to live with peace and happiness.  Banking industry is one of the best industries today to help people who suffer without money.  But money is not given to a poor guy who may or may not return the same to the bank.  Money is given to develop money again and not for survival and living.

 Dharma says, collect interest from the deserving ones and try to help the poor through lending money for their survival.  Sometimes, the poor may not be in a position to return the loaned money, the bank has to bear and earn through other means.

 There are so many small time businessmen in the country.  Instead of taking interest from them ask a share of their profit.  Thereby they are not pressurized for interest.  Whoever is not making profit, you have to wait until they make profit and further help to be extended, like business consultancy, marketing, investment etc.  Without that how do they utilize the loaned money properly and diligently?

 Simply giving funds does not give a help to a poor guy who is really struggling to do his business.  Further educating the loaner in his business and regular education is to be given to him to educate him like simple arithmetic, language, billing etc.  The more attention given to him and his welfare, he will not try to cheat the bank nor feel of not returning the money.

 Introducing spirituality in banking means to educate the bankers and their employees to know the need of the hour and do help accordingly.  At the same time know the risk before giving, so that the banker can afford the loss or not.  Bring the rich people together through banking and make their wealth for the help of the poor and needy.  Instead of charging interest, become a partner of the lender’s business.  Know the difficulty in business and enjoy the share of profit.  

 Like, the banking industry should involve in the lender’ business to understand his problems and time to time advises should be given whenever crisis come.

 When you practice a right spirituality, your mind will get changes according to the need of today. This spirit inside you really wants to help you and others who are attached to you.  Help comes automatically without your effort and you will find the right customer for your banking and loans. You will not have tension and stress in collecting the money from lender.  There cannot be any NPA and loss. Activate your spirit before doing anything. This spirit gives correct knowledge to act.  The results also come accordingly.

 When you spiritualize anything, it gets the purity and anyone who uses it also gets purity. The behaviour and thinking also change according to the need.  Because spirituality means “Present” or NOW and it does not have anything about the past and future.

Spirituality helps who want to work on the present.  This work gives tremendous effect in the future and every time you work on the present, forgetting the future.

 What is going to happen depends upon the work that you are doing at present.  You cannot work in future, because future has to come to materialize it.  Get energy by spiritualizing yourself to work in the present and strengthen the future without worries and anxiety.

 Select the right customers for advances through spiritual knowledge and truth, to avoid future problems.  Extend your spirituality to your borrowers also to work in truth and Dharma.  Feel the friendship between you and your borrowers and try to help them whenever they need help.

 Be happy by spiritual banking and give happiness by spiritual lending.