Dear Sir, It has been observed and surveyed that the behavior of all
the employees, particularly that of the mobile credit officers, of
Zarai Tarqiati Bank Limited (ZTBL) remain unethical and bigoted when
one applies for agriculture loans.
It is obvious that if the MCO concerned is your relative, friend or
colleague he can do your work within the short period of time but if
you are stranger then either you have to feed them with heavy meal
or wait for years. The second thing is that they have started giving
loans first to their relatives and the settled meager amount is
divided among the needy people after hundreds of visits to the
My question from the government officials and concerned
authorities is if the loan scheme is given, then why discrimination
is made? Why when it comes to the bank in the hand of these people
is shuffled with favoritism and nepotism?
Why the needy people going to the bank are teased by the employees
instead of better facilitation? While they earn only for the sake of
better facilitation and official morale, why they give loan to one
person three times by making tricky documentations and not to those
who go there repeatedly?
These are real issues raised and realized by the common man inUpper
Chitral and need to be addressed technically with fair and
transparent way. Otherwise any kind of uproar and turmoil can create
chaos in future which will not go in favour of these people.
It is my request to the general managers and other concerned
authorities of the bank to ponder upon the case seriously so that
the needy people can get their due right without any difficulty and
the unfair behavior of the MCOs of asking for bribes could be
stopped.–Junaid Khan, Reshun 03 May 2012