Arthasutra EP02 – Machlee EP02 – Chotese Dveep ke Mota Bhai
Opening
Namaskar!
Aap sun rahe hai Arthasutra ki kahani Machhali! Aaj ka episode hai: Chotese Dveep ke Mota Bhai
Pichle episode mein humne dekha Hari ki bachat se humare saral dweep mein poonji ka nirman kaise hota hai aur Amar aur Prem ne bina aatma-balidaan ke Hari ki jama poonji ka upayog kar, apne jeevan ka star kaise badhaya. Aage dekhte hai ve aapdaon se kaise jujhtehai.
Vikas
Amar aur Prem ab din ki do-do machhali pakad ke bade aaram se jeete the. Dono milke din ki do machhali toh bacha hi lete the aur unke paas din mein kaafi samay bhi bachne laga. Ve apne khaali samay mein aaram bhi karte aur baithe baithe apni zindagi behtar bananeki khoj mein lage rehte.
Aise hi ek din apne jaal se machhali pakadte pakadte Prem ko khayal aaya kyon na hum bada jaal banay.
Prem ne Amar ke saath apna idea share kiya, aur Amar ko yeh idea pasand aaya lekin bola, “Hum isse bada jaal kaise sambhalenge, humare haanth hi nahi aayega.” Tab Prem bhi sochne laga. Amar aur Prem din raat apne iss bade jaal ko kaise banae isski soch mein doobe rahe.
Iss bade jaal ko banane ke liye Amar aur Prem ko bahaut saare aur naye naye saadhan ki zaroorat padegi.. aur bada dimaag bhi lagana padega..
Kuch din baad, Amar, jo ki thoda aalsi bhi tha, bolta hai, “Yaar Prem, yeh bade jaal ka idea toh sahi hai lekin, jab hum aisa jaal bana hi rahe hai, toh humne aisa jaal banana chahiye jisme hume machhali pakadne jana hi na pade. Yeh sun.. “
Amar ret mein kuch bamboo gaad ke Prem se kehta hai.. “Hum samudra mein iss tarah ek frame ke saath jaal ka ghera bana ke usmein ek khidki chod de jo sirf andar ki tarah khule, toh iss se machhali andar toh aa payegi lekin bahar nahi jaa payegi.”
Prem thoda sochne ke baad bolta hai, “Amar, yaar yeh tarkeeb toh kaam kar sakti hai. Lekin isske liye humein behtar aur mazboot saadhan ki zaroorat padegi.”
Tab Amar kehta hai, “Yeh bamboo aur vel kaafi mazboot hoti hai. Inka istemaal kar sakte hia.”
Amar aur Prem ne kuch din kadi mehnat ki aur ek hafte jitni bachat ikattha kar li phir dono jaal banane mein lag gaye.
Behatar Machhali ka Jaal
Ek hafte ki kadi mehnat ke baad bada machhali ka jaal aakhirakaar taiyaar ho hi gaya! Dariya kinare, ek bade pathhar ke paas, ek choti khadi thi jahan paani shant rehta tha, wahan Amar aur Prem ne apne iss naye jaal ko lagaya.
Jaal lagane ke baad, ve dono bade utsaah se uss pathhar pe baithe apne iss naye aavishkar ki parakh le rahe the. Din dhal ne laga. Amar aur Premapne iss naye jaal ko lekar bade chintit the kyonki ab tak iss mein ek bhi machhali nahi aayi.
Din dhal bhi gaya aur ve dono ne subah se kuch iss aasha mein nahi khaya ki unka jaal kaam kar jayega. Unke paas ab sirf ek hi machhali bachi thi. Raat mein, Amar aur Prem ne iss machhali to baat ke kha liya. Ve bhukhe zaroor the lekin nirash zyada the, ki unka yeh bada jaal kaam nahi kiya.
Raat bhar ve apne iss jaal ko behtar kaise banaye usski charcha karte rahe.
Agle din.. Prem subah jaldi uth gaya aur sabse pehle apne jaal ko dekne dauda.. jaise hi vo apne jaal ke paas pahucha, usne deka ki jaal mein chaar machhliyan tair rahi thi!
Daudta daudta Prem, Amar ko uthane gaya, “Amar! Amar!! uthja mere yaar, dekh apna jaal kaam kar gaya! Chaar chaar machhaliyan pakdi hai humare jaal ne! Uthja Amar!”
Amar utha hai aur ve dono daudte daudte apne jaal ko dekhne pahuche. Jaal mein machhaliyan dekh dono khushi se naachne lage!
“Prem, yeh toh kamaal hogaya! Humara jaal kaam kar gaya! Yeh toh jab hum sote hai tab bhi machhali pakadta hai.”
“Haan Amar, choti moti maramad ke alava, humein toh din ki jitni machhali chahiye hai utni aaram se le sakte hai.. baaki hum bacha sakte hai!”
Dono hath pakad naachne lage!
Aaj ve bhar pet khana kha paayenge. Jaal ki machhaliyan pakad ke ve vapas apne ghar ki aur khushi khushi jaane lage.
Amar kehta hai, “Prem ab humare paas bada jaal hai, jaal mein bahaut machhaliyan bhi hai, bhar pet khaane ko hai, ghar hai, smay hai.. ab hum bade aaram ki zindagi ji paayenge.”
“Haan Amar, humein ab zindagi mein koi tension nahi.” Prem badi khushi se kehta hai.
“Achha, nahin?” ek ajeeb see aavaaj ne poocha.
Yeh tha iss dveep ka local kauva, Mani.
Hairan Amar aur Prem ruke aur jaise hi Amar ne Mani ko dekha, gusse se bola, “Tum machhali business ke baare mein kya jaanate ho Mani, kauva kahi ka?”
“Machhali ke business ke baare toh nahi lekin mein aapdao aur durghatnao ke baare mein bahut kuchh jaanata hoon, chumpoo!” Mani ne turant jawab diya.
Mani bada buddhiman tha, aage woh humein do tarah ki aapdaon se parichit karata hai, sunte hai..
Praakrtik Aapadaen – Bhagavaan ki Karni yani Acts of God
Praakrtik aapdaen jaise baad ya bhukamp agar aata hi to ye dveep ki poonjee ko bada nuksaan pahucha sakta hai aur dveep ki arthavyavastha ko tittar bithar kar sakta hai.
Agar baadh aajay, toh woh Amar aur Prem ke bade jaal ko nasht kar dega, yah us poonjee ko nasht kar dega jise Amar aur Prem ne kadi mehanat ke saath banaaya hai aur ve apani saari bachat bhi kho sakte hai.
Lekin jab humein “bure din” jaise mandi ya depression se jhonjhna padta hai bina koi praakrtik aapadaon ke toh iska kaaran maanav nirmit hota hai!
A-praakrtik Aapadaen
Manavjaati ke poore itihaas mein, a-praakrtik aapadaen, gair-utpaadak raajanetaon dvaara praakrtik aarthik vyavastha yani natural economic order mein dakhal dene se hui hai, saare samaj ki upaj churake kuch logon ke bhale ke liye.
Itihaas ke har raajaneta ne kaha hai, “Aap humein vote do, hum amiron se leke garibon ko denge!” Lekin, raajnetaon se gribon ko kabhi aisa kuchh nahin mila jis se unki sthiti kabhi badli ho.
Aaj hum yeh sumajhte hai ki mehangai aur Tax kisi bhi arthavyavastha ka ek svaabhaavik hissa hai, jaise Share baajaar aur business ki tezi aur mandi ka chakr.
“Aage kahaani mein hum alag alag paridrishyon yani scenarios dvaara yeh kitna sach hai iska pata lagaenge.”
“Aage sunte hai..”
Upabhokta Udhaar yani Consumer Loan
Maan leejie ki Amar aur Prem ne jaal ke nirmaan ke bajaay Hari se chhutti manane ke lie udhaar maanga hota..
Amar, Hari se kahe, “Hum thak gaye hain aur humein aaraam ki zaroorat hai.”
Aur Prem, “Hum dono ko do-do machhali udhaar de do, taaki hum kuchh dinon ke lie samudr tat par baithe baithe aaram kar saken.”
Hari to chintit hoke poochega, “Tum dono ko do-do machhali ka byaaj lagega yeh tum kaise chukaoge?”
“Er .. hum aur mehanat kar lenge!” sayane Amar ne javab diya. “Aur kai dinon tak bina khae bhi reh lenge!” Prem bhi keh diya.
“Apna udhaar chukane ke liye tum dono ko bahaut din bhukha rehna padega!” Hari kehta hai kyonki usse pata tha ki machhaliyon ko pakadana kitni mehnat ka kaam hai.
“Lekin, humein chhutti ki bahaut zaroorat hai!” Amar rone laga.
Tab Hari unhein samajhane ki koshish karata hai, “Dekho tum dono ko kyon udhaar chukaane ke lie kai dinon tak bhookhe rahana hai? Jabki bina udhaar ke, tum keval do dinon ke lie bhookhe rehke, apani chhutti ke liye khud bacha sakate ho! .. Mujhe ek kaaran do udhaar dene ke liye!”
“Humein chhutti abhi hi leni hain!” Amar aur Prem donon zidd laga ke rone lagte hai.
“Baapre! Yeh Right Now generation, sab kuch ab hi chahiye inhe!” Hari apna sar hilane lagta hai aur shaanti se samjhata hai..
“Mein tumhein yeh udhaar dene se inakaar karata hoon jis se keval mujhe hi laabh hoga aur tumhare lie ek bada bojh ban jayega. Aur waise .. agar main tumhein yeh upabhokta udhaar yani Consumer Loan deta hoon to mere paas upjau karyon ke lie udhaar dene ke lie kam bachega. Aur, tum apna udhaar nahi chuka paaye toh mein apni saari bachat kho doonga.”
Amar aur Prem bura bhala kehke Hari ki kutiya se naraz hoke chale jaate hai.
“Aage dkhne hai..”
Kya Hari Credit Badha Sakta Hai?
Raajaneta aur Banker aksar “Vistaar” aur “loan mein dheel” yani “Expansion” aur “Easing of Credit” ki baatein karte hai, lekin kya koi jab chahein aisa kar sakata hai? Kya koi vaastav mein adhik dhan, udhaar ke lie upalabdh kara sakata hai, apani jaadooi chhadi hila ke?
Jaahir hai, ki aisa koi nahi kar sakta!
Koi bhi, jo uske paas na ho usse udhaar kaise de sakata hai? Aisa karane ka koi bhi prayaas chhal aur dhokhaadhadee hai.
“Chaliyein dekhtein hai ki dveepavaasi isse kaise jhoojhte hain ..”
Agar Hari jiski saari bachat sirf 4 machhaliyan hai, ek kagaz ke tukde pe 10 machhli likhke Amar aur Prem se kehta hai, “Tum jab bhi bhavishya mein yeh kagaz mujhe lautauge, mein tumhein 10 machhali doonga.”
“Arre Hari, kis se majaak kar rahe ho, tumhaari tokari mein toh keval 4 hi machhaliyaan hain!” Amar aur Prem toh turant kehenge.
Dveep mein kitna udhaar diya jaa sakta hai yeh dveep ki total machhali dvaara seemit hai. Yeh toh zaahir si baat hai.
Upabhog Ke Lie Aapaatakaaleen Udhaar Emergency Loan
Hari ne badi hoshiyaari se Amar aur Prem ke chhuttee yani upabhog ka udhaar toh taal diya lekin, ek hafte baad ..
Amar aur Prem beemaar ho jaate hai aur machhali nahin pakad paate.
Daya bhaav se Hari, Amar aur Prem ko upabhokta udhaar yani Consumer Loan apani bachat se de deta hai taaki Amar aur Prem doosare din kaam karane ke lie kha sake aur jee sake.
“Shukriya Hari!” aabhaari Prem ne kaha. “Hum kadi mehanat aur bachat kar ke tumhara yeh udhaar chuka denge!” Amar ne vaada kiya.
Par Hari ne agar chhuttee ka udhaar de diya hota toh woh Amar aur Prem ki madat nahi kar paata.
Toophan
Ab yeh sochiye ki agar Hari ne woh pehla chhuttiwala, bekaar udhaar diya hota..
Yahan Amar aur Prem samudr tat par badi masti se dveep ki bachat ko udaa rahe hai aur tabhi toophaan aa jaata hai!
“Yeh surya ki light kisne band ki?” samudra tat par lete lete hua Amar ketha hai.
Tabhi aavaz aati hai “Amar! BHAAG! Gupha ki taraf BHAAG!! Toophaan aaraha hai !!!”, Prem daudate hue chillata hai.
Toophaan ke kaaran iss dveep par machhali pakadana asambhav ho jaata hai.
Amar aur Prem ab Hari ke paas jaate hain aur poochhate hain, “Arre Hari, Kya tumhare paas aur machhali hai?”
“Na, mere paas kuch nahi bacha! Saari bachat tum dono ki chutti pe barbaad ho gayi!” Hari ne kaha.
Kai dino ke lie, Amar, Prem aur yahaan tak ki Hari bhi machhali nahin pakad paaya aur use bhi bhookha rahana pada.
Unaki aisi kamajor sthiti mein beemaari hona bhi bada aasan hai.
Aise mein yeh bhi ho sakta hai ki dveep samaaj, “upabhokta udhaar”, yani “Consumer Loan” – The Great Waster ki wajah se poori tarah nasht ho sakata hai!
Bachat Karnewaalon ki Jeet
Ab yeh dekhte hai ki Hari ne agar chhuttiwala udhaar na diya hota toh uske paas apni machhali ki bachat yani dhan upalabdh hota aur woh toophaan jhel pata aur uske saath Amar aur Prem bhi.
“Sunte hai..”
Toophan se bachke apni kutiya mein baitha Amar kehta hai, “Hum kam khaane pe jee sakte hai kyunki hum kisi tarah ki mehnat nahi kar rahe.”
Prem bhi raazi hoke kehta hai, “Shukar hai Hari ne apni bachat sambhaal ke rakhi aur humein chutti ke liye nahi di varna abhi humein aise toophan mein jokhim uthana padta machhali pakadne keliye.”
“Hum yeh toophan ko aaram se guzaar paayenge.” abhaari Amar kehta hai.
Jab aisi praakrtik mandi aati hai to bachat, samaaj ke jeevan aur mrtyu ke beech ka antar ho sakata hai!
Sabak
Iss kahani se hum do sabak le sakte hai..
- Upabhog ke liye udhaar, yani Consumer Loan bachat ko barbaad karta hai.
- Nivesh yani Investment ya Poonjee ke liye udhaar yani Capital Loan zyaadatar bachat ko badhaata hain.
Bachat aur Consumer Debt ke beech, jeevan aur mrtyu jaisa antar hai.
Poonjeegat Udhaar ka Jokhim yani Capital Loan Risk
Yeh toh swabhaavik hai ki sabhi nivesh aur Capital Loan kaam nahin karate, kuch mein nuksaan bhi hota hai.
Udhaaran..
Hari ne Amar aur Prem ko jaal banane ke liye udhaar diya ho, lekin ve agar jaal banaane mein asaphal ho to Hari apani bachat kho dega.
Dusri aur, agar Hari apni bachat khud hi jaal banane ke liye kare par Amar aur Prem, Hari ka jaal kirae par lene se inakaar kar de tab bhi Hari ki bachat bekaar ho jayegi.
Aise nivesh samaaj ki bachat ko kam zaroor karte hai, lekin jo nivesh kaam kar jate hai, woh nuksaan se kai guna zyaada bhar paai kar jaate hai.
2 Bade Sabak
“Isse humein 2 bade sabak milte hai..”
- Consumer Loan, poonjeegat pariyojanaon yani Capital Projects ke lie upalabdh dhan ko kam karta hain, aur isilie yah samaaj ke jeevan star aur aarthik suraksha ko keval kam kar sakata hai.
Iska udhaaran humne abhi suna.
- Sarkar ki yojnao dwara kharaab quality aur bhaari jokhimwale Loan ko badhaava dena samaaj ke liye hanikarak hota hai. Yeh Consumer Debt yani Upbhog ke liye udhaar dene ke barabar hai.
Udaaharan:
Sarakaar Hari se kahati hai, “Jao tum bindas Amar aur Prem ko bhaari jokhimwale loan de do! Sarkar hai na! Sarkar guarantee deti hai ki agar tumhara loan bekar hojaye toh sarkar tumhe bacha legi!”
Tabhi Mani, dweep ka hoshiyaar kauwa bolta hai, “Lekin, sarakaar ke paas toh koi bachat nahin hai! Sarkaar keval logon ki bachat aur poonji par chhaapa maar sakati hai, aur un logo ko sabse zyada chot pohunchti hai jinhone din-raat mehnat karke apne atma-balidaan se apni poonji jama ki ho!”
“Isse toh mein bhi vaaquif hoon, aur shaayad aap bhi honge, jaise aaj kal humein yeh aksar sunne mein aata hai, ki Sarkaar ne phalana Bank ko itne crore rupay diye bank ko doobne se bachane ke liye jis bank ne kai logon ko kharab aur bhaari jokhimwaale loan diye. Kya bank ne appke loan chukadiye? Kya aap kisi ka aisa loan chukaoge?”
“Chaliye, aage sunte iss kahani ke doosre pehlu..”
Gunde Tashrif Laayein
Ab maan leejiye ki Amar aur Prem chhuttee ke liye Hari se loan par baatacheet kar rahe ho, tabhi Mota Bhai dveep ka dhumake daar gunda vahan pahunch jaaye.
“Kyun mitron kya chal raha hai yahan?” Mota Bhai Amar aur Prem se poochhata hai.
Amar kehta hain, “Hari humein chhutti ke liye udhaar dene se mana kar raha hai.”
“Voh kanjoos hai!” Prem shikayat karta hai. “Voh laalachi hai! Voh humein bahut jaroori chhutti lene mein sahayat karne se inakaar kar raha hai!” Amar rote rote Mota Bhai se shikayat karta hai.
Mota Bhai, humare chaudi chaati ke the aur kisi se nahi darte the, woh chale Hari ki aur, collar pakad ke Hari ke chehre pe bhaunkate hue bole, “Kyun beta Hari, tumhare paas chaar chaar machhaliyaan hai jiski tumhein zaroorat nahi toh tumhein kya taklif hai mere mitron ko udhaar dene mein? Chup chap Amar aur Prem ko prem se tum udhaar de do.”
Bechara Hari, Mota Bhai ki dhamki se dar ke apni bachat Amar aur Prem ko de deta hai, varna Mota Bhai toh use peet ke uski machhali Amar aur Prem ko de hi dete.
“Kyun bhaiyon aur behno, kisi aur ko loan chahiye kya?”, Mota Bhai bade santusht the do khush bhakt paa kar.
Yahan Hari bada pareshan tha.. “Meri bachat vaastav mein ab surakshit nahin hai, yeh Mota Bhai ke rehte! Mein kyun intni mehnat karu, atma-balidaan kar kar ke bachat karu, poonji jama karu aur asi dadagiri se sab kuch kho du! Kya fayda iska?” udaas Hari rone laga aur ab use bhi roz machhali pakdni padegi.
Apni saari poonji Motaa Bhai ki dadagiri ko khone ke baad, jab tak Mota Bhai rahenge tab tak Hari na poonji jama kar paayega naa hi aaram ki zindagi bita paayega.
“Aaj Bhaarat mein Bankon aur Loan denewaali sansthaon par raajanetaon ka prabhaav kuch Mota Bhai ki tarah hi chal raha hai, jaise:”
“1. Credit yani Loan ke asamaan upayog ko protsaahit karake bachat ko barbaad kiya jaa raha hai.”
“2. Samaaj mein kharche ko badhaava dena. Bachat ke faydon ko kam ya poori tarah se mita dena, aur bachat karnewalon ko hatotsahit karna.”
Closing
Aaj ka episode hum yahan samapt karte hai. Aaj humnein dekha kaise Amar aur prem ek bada jaal banane mein safal hote hai, loan ke do prakaar, do tarah ki aapdaayein aur bachat karnewaalon ki jeet.
Agle episode mein hum dekhenge iss saral dveep ki arthavyavastha kaise badhti hai. Khatra bhi hai lekin dveep ke log khatre se kaise bachte hai aaur naye dveep vasiyon se bhi milenge.
Ab waqt aagaya hai iss episode ke savaal ka.. sawaal hai..
Q: “Consumer Loan lena kyon haanikarak hai?”
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