এজেন্ট ব্যাংকিং ব্যবসা শুধুমাত্র আয়ের মাধ্যম নয় এটি একটি সেবা প্রক্রিয়া…

বাংলাদেশে এজেন্ট ব্যাংকিং এখন বহুল আলোচিত একটি ব্যবসা। গ্রাহক সেবা, টেকসই ব্যবসা হিসেবে এজেন্ট ব্যাংকিং ইতিমধ্যেই যথেষ্ট জনপ্রিয়তা লাভ করেছে। আজকের টপিক- ব্যবসা হিসেবে এজেন্ট ব্যাংকিং কেমন হতে পারে???

এজেন্ট ব্যাংকিং এর লক্ষ্য এবং উদ্দেশ্যের দিকে তাকালে দেখা যায়- এজেন্ট ব্যাংকিং এর শুরুটা হয়েছিল প্রত্যন্ত অঞ্চলের জনগোষ্ঠীকে ব্যাংকিং সেবার আওতায় নিয়ে আসা। পাশাপাশি যেসব এলাকায় ব্যাংক তার ব্যয় নির্বাহ করে সেবা প্রদানে বাধাগ্রস্ত হচ্ছে সেখানে খরচ কমিয়ে সেবা প্রদান অব্যাহত রাখা। এছাড়াও সব রকম আর্থিক সেবা দেওয়াই এর অন্যতম উদ্দেশ্য ছিল।

শুরুর দিকে অল্প কয়েকটি ব্যাংক নামমাত্র লেনদেন সুবিধা নিয়ে এজেন্ট ব্যাংকিং শুরু করলেও বর্তমানে দেশের প্রায় ২৮টি ব্যাংক প্রায় সব ধরণের আর্থিক সেবা নিয়ে ব্যাংকিং সেবা প্রদান করে যাচ্ছে। এতে করে দেশের সর্বস্তরের জনগণ উপকৃত হচ্ছে।

এজেন্ট ব্যাংকিং এর কারণে দেশের কর্মসংস্থান খাতে বিশাল উন্নতি সাধিত হয়েছে। বাংলাদেশ ব্যাংকের সেপ্টেম্বর ২০২০ইং এর তথ্য মতে এখন পর্যন্ত ১০,১৬৩ জন এজেন্ট বা উদ্যোক্তা যুক্ত হয়েছেন যারা মোট ১৪,০১৬টি এজেন্ট সেন্টার বা আউটলেট এর মাধ্যমে নিজেদের ব্যবসা পরিচালনা করে আসছেন। পাশাপাশি প্রতিটি এজেন্ট আউটলেট এ ব্যাংক এবং এজেন্ট এর নিয়োগ করা আরো ৩ জনের অধিক কর্মকর্তার কাজের সুযোগ বৃদ্ধি পেয়েছে। এজেন্ট ব্যাংকিং না হলে এই পরিমাণ মানুষের কর্মসংস্থান হওয়ার সুযোগ সৃষ্টি হতো না।

দেশের আর্থিক অন্তর্ভুক্তিতে এজেন্ট ব্যাংকিং এর উল্লেখযোগ্য ভূমিকা রয়েছে। একজন ব্যক্তি/ব্যবসায়ী চাইলেই এই ব্যবসা শুরু করতে পারেন। এতে করে তার এলাকায় তিনি জনে জনে ব্যাংকিং সেবা পৌঁছে দেওয়া বা তার এলাকার জনগোষ্ঠীকে ব্যাংকিং সেবার আওতায় নিয়ে আসায় অংশীদার হতে পারলেন। এটি মূলত একটি কমিশন ভিত্তিক ব্যবসা পদ্ধতি। তাই এই ব্যবসায়ে চাইলেই আজ শুরু করে কাল অধিক লাভে যাওয়া সহজ নয়। কেননা এই পদ্ধতির সাথে অনেক হিসাব নিকাশ জড়িত এছাড়া এখানে বেশ ভাল পরিমাণেই এককালীন বিনিয়োগ করার প্রয়োজনীয়তা রয়েছে। তাই এই ব্যবসায়ে আগ্রহী প্রত্যেকের উচিত কিছু বিষয়ে হিসাব করেই ব্যবসা শুরু করা।

প্রথমত, কেউ যদি বিনিয়োগ এর ব্যাপারটা জানতে চায় তাকে কমপক্ষে ১০ থেকে ২০ লক্ষ টাকা পুঁজি নিয়ে শুরু করতে হবে। এটা নির্ভর করবে তিনি যে ব্যাংকের এজেন্ট নিতে চাচ্ছেন তাদের বিজনেস মডিউলের উপর। তবে অল্প টাকায় এই বিজনেস শুরু করে অনেকেই ৬ মাস বা ১ বছর পর মূলধন ঘাটতিতে পড়ে। কেননা এই ১ বছরে তিনি আউটলেট এর দৈনন্দিন খরচ থেকে শুরু করে অনেক কাজেই বেশ কিছুই পুঁজি খরচ করে ফেলেন। গ্রাহক বাড়ার সাথে সাথে যখন লেনদেন বেড়ে যায় তখন তার ঐ অল্প পুঁজি তাকে বিপদে ফেলে দেয়।

দ্বিতীয়ত, একটা আউটলেট খরচ মিটিয়ে লভ্যাংশে পৌঁছাতে নির্ধারিত কোন সময় সঠিকভাবে বলা যায় না। কেননা এটা নির্ভর করে ওই এলাকার ব্যবসায়িক অবস্থা, বৈদেশিক অর্থের প্রবাহ, সামগ্রিক ব্যাংকিং চাহিদা ইত্যাদির উপর। বলা যায় কোন কোন আউটলেট লাভ করতে ২/৩ মাস কিংবা ২/৩ বছরও সময় লাগে। তবে স্বাভাবিক ভাবে ২ থেকে আড়াই বছরের মধ্যেই অধিকাংশ আউটলেট খরচ বাদ দিয়ে লাভের মুখ দেখে। ফলে আগ্রহী সকল এজেন্টকে এই সময়টা ধৈর্য্যের পরিচয় দিয়ে ব্যবসা পরিচালনা করার মানসিকতা রাখতে হবে।

তৃতীয়ত, এজেন্ট ব্যাংকিং শুধুমাত্র কোন ব্যবসা নয়, এটি একটি আর্থিক সেবা পদ্ধতি। এখানে চাইলেই মন মত যা ইচ্ছে তাই করা যাবে না। গ্রাহকের আর্থিক নিরাপত্তার বিষয়টি সর্বোচ্চ গুরুত্ব দিয়ে কেন্দ্রীয় ব্যাংকের সকল আইন কানুন মেনে চলে এই ব্যবসা পরিচালনা করতে হবে। তাই প্রত্যেক আগ্রহী এজেন্ট এর উচিত প্রথমে এজেন্ট ব্যাংকিং পলিসি জেনে বুঝে তারপর বিনিইয়োগ করা।

এজেন্ট ব্যাংকিং সম্পর্কে এখনো অনেক নেতিবাচক ধারণা প্রচলিত আছে। এমন অনেক অভিজ্ঞ ব্যাংকার ই এজেন্ট ব্যাংকিং সম্পর্কে বিস্তারিত না জেনে যেখানে সেখানে ভুল তথ্য প্রচার করে বেড়ায়। এজেন্ট ব্যাংকিং প্রপচলিত ব্যাংকের ই একটা অংশ। এখানকার প্রতিটি লেনদেন ই প্রচলিত ব্রাঞ্চ ব্যাংকের মূল সার্ভারের সাথে সম্পৃক্ত। এখানকার সকল হিসাবধারীই মূল ব্যাংকের গ্রাহক। এজেন্ট শুধু মাত্র একটা মিডিয়া। হিসাব খোলা, লেনদেন সহ যাবতীয় সকল কর্মকান্ড মূল ব্যাংকের দৈনিক রিপোর্টের আওতাভুক্ত। তাই না জানা থাকলে প্রত্যেকের উচিত ভাল ভাবে এজেন্ট ব্যাংকিং সম্পর্কে জেনে তারপর তথ্য শেয়ার করা। এতে করে গ্রাহক বিভ্রান্ত হবে না।

এজেন্ট ব্যাংকের কারণে সবচেয়ে বেশি লাভবান হয় গ্রাহক। তাকে লেনদেন এর জন্য দীর্ঘ সময় ব্রাঞ্চে ব্যয় করতে হয় না, হাতের কাছেই নিজের সুবিধামত সময়ে ব্যাংকিং সেবা নিতে পারে। ফিঙ্গার প্রিন্ট পদ্ধতি থাকায় আর্থিক নিরাপত্তার বিষয়ে গ্রাহক সর্বাধিক নিশ্চিন্ত থাকতে পারে।

এজেন্ট ব্যাংকিং ব্যবসায়ে প্রতিযোগিতা করতে গিয়ে নিজের আর্থিক পুঁজি নষ্ট না করাই বুদ্ধিমানের কাজ। এটি একটি দীর্ঘস্থায়ী ব্যবসা পদ্ধতি, ধৈর্য্য ধরে এই ব্যবসা পরিচালনা করতে পারলে একজন এজেন্ট বা উদ্যোক্তা এখান থেকে সর্বোত্তম লাভবান হওয়ার সুযোগ আছে । পাশাপাশি এজেন্ট ব্যাংকিং ব্যবসা তার সামাজিক গুরুত্ব ও সম্মান বাড়িয়ে তোলে। কেননা আমাদের সমাজে এখনো ব্যাংকিং প্রফেশনকে আলাদা গুরুত্ব দেওয়া হয় এবং এটা সত্য যে একজন ব্যাংক কর্মকর্তা এখনো প্রত্যেক গ্রাহকের উত্তম আর্থিক পরামর্শক।

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