ENHANCEMENT OF MOBILE MONEY

Organized by: Microfinance Programme

Developed by: Human Resource & Learning Division
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cvi‡eb;
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Be on time Be Positive Stay On topic

Avoid Side talk Open & limitless mind

Keep Cell Phone Silent

Respect others view

 Main Contents of the Training

Facilitation &
BRAC Orientation Mobile Money (bKash) Client Orientation
Competency
DAY PLAN

SESSION 1 SESSION 2 SESSION 3 SESSION 4

Day
900am – 1045am 1100am – 1245pm 0200pm – 0330pm 0345pm – 0500pm

BRAC
DAY 1 Introduction Mobile Money
Orientation

DAY 2 Client Orientation Facilitation Competency

 BRAC
Orientation

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 45 eQ‡iiI †ekx mgq `wi`ª Rb‡Mvwói Dbœq‡bর Rb¨ কাজ করছে eª¨vK ।
 c„w_exi Av‡iv 11wU †`‡k `wi`ª Rb‡Mvwói Rb¨ Dbœq‡bর my‡hvM m„wó K‡র আসছে|
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 `vwe FY
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2. gvwmK mÂq Rgv I gvwmK gybvdv
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BRAC VALUES

Integrity Innovation

Inclusiveness Effectiveness
eª¨v‡Ki GKRb Kgx© wnmv‡e wcGm (weKvk) Gi `vwqZ¡ I KZ©e¨
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(General Code of Conduct) :
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Awdm Gi mKj Kgx©‡`i mv‡_ fvj e¨venvi Kiv;
gvwR©Z I ¯^vejxj fvlvq mK‡ji mv‡_ K_v ejv;
bvix Kgx© I MªvnK Gi mv‡_ kvjxbZv eRvq †i‡L Avjvc Kiv;
iæwPkxj Ges cwi®‹vi cwi”Qbœ †cvlvK cwiavb Kiv;
MÖvnK‡`i mv‡_ e¨w³MZ m¤ú©K ˆZix bv Kiv;
MÖvnK‡`i wbKU †_‡K Avc¨qb MÖnb bv Kiv I Zuv‡`i‡K Avc¨vqb Kiv †_‡K weiZ _vKv;
MÖv‡gi Mb¨gvb¨ e¨w³ I gyiweŸ‡`i mv‡_ †mŠRb¨ Avjvc Kiv Ges †hvMv‡hvM ivLv;
‡h †Kvb cwiw¯’wZ ˆa‡h©i mv‡_ †gvKv‡ejv Kiv;
mgq Dc‡hvMx cwieZ©‡bi mv‡_ Lvc LvB‡q Pjv;
‡Kvb wRwbm bv eyS‡j †R‡b †bIqv| KLbI fzj Z_¨ cwi‡ekb bv Kiv;
MÖvnK‡`i g‡bv‡hvM AvK„ó Kivi g‡Zv K_v ejv Ges ev¯Íe D`vnib w`‡q Avjvc Kiv;
Mobile
Money

MOBILE MONEY
Money in your mobile Phone

 UvKv cvVv‡bv ev cvIqv;

 দোকানের পেমেন্ট;
 মোবাইল ব্যালেন্স রিচার্জ ;
দেশজুড়ে টাকা পাঠানো বা পাওয়া, দোকানের পেমেন্ট, মোবাইল ব্যালেন্স
রিচার্জ সহ আরও অনেক কিছু করার সহজ ও নিরাপদ উপায়।
প্রয়োজনে পাশে বিকাশ।
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• weKvk GKwU wj. †Kv¤úvbx| weKvk evsjv‡`k e¨vsK Aby‡gvw`Z GKwU c~Y©v½ ‡gvevBj
wdb¨vwÝqvj mvwf©m (MFS) †cÖvfvBWvi| weKvk eª¨vK e¨vs‡Ki GKwU cÖwZôvb|
• Ryb 2011 †_‡K eª¨vK e¨vsK eª¨v‡Ki mn‡hvwMZvq †gvevBj gvwb e¨env‡ii gva¨‡g weKv‡ki hvÎv
ïi“ K‡i|
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weKv‡ki myweav mg~n:
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DØy×KiY Ges Zuv‡`i Avw©_ZK Aš©Íifzw³Ki‡Y mn‡hvMxZv Kiv|
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1. ‡h †Kv‡bv weKvk G‡R‡›Ui Kv‡Q hvb

2. G‡R›U †K Avcbvi UvKv Rgv †`Iqvi cwigvb ejyb

3. Avcbvi G¨KvD›U bv¤^vi Ges UvKv Rgvi cwigvb G‡R‡›Ui †iwRóv‡i wjLyb

4. Avcwb †h cwigvb UvKv Rgv Ki‡Z PvB‡Qb Zv G‡R›U †K w`b

5. G‡R›U Avcbvi G¨KvD‡›U mgcwigvb UvKv Rgv K‡i K¨vk Bb m¤úyb© Ki‡eb

6. Avcwb Ges G‡R›U `yRbB Kbdv‡g©kb †g‡mR cv‡eb| G‡R›U Gi ¯’vb Z¨vM
Kivi c~‡e© G‡R›U †iwRóv‡i Avcbvi ¯^vÿi w`‡Z fyj‡eb bv|

https://www.bkash.com/bn/products-services/cash-in
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1. *247# Wvqvj K‡i weKvk †gvevBj †gby¨‡Z hvb

2. ‡mÛ gvwb wm‡j± Kiæb (gvevB‡j 1 wj‡L †mÛ Kiæb)

3. Avcwb †h weKvk G¨KvD‡›U UvKv cvVv‡Z Pvb Zvi weKvk G¨KvD›U

b¤^iwU wjLyb

4. Avcwb †h cwigvb UvKv cvVv‡Z Pvb Zvi cwigvb wjLyb

5. ‡jb‡`‡bi GKwU †idv‡iÝ / Z_¨ myÎ w`b (Avcwb Avcbvi †jb‡`‡bi D‡Ïk¨
GKwU k‡ãi g‡a¨ wjLyb, †¯úm ev we‡kl Aÿ‡ii e¨envi Gwo‡q Pjyb)*

6. Avcbvi weKvk †gvevBj †gby¨ wcbwU w`‡q ‡jb‡`b m¤úyb© Kiæb|

7. Avcwb Ges cÖvcK `yRbB weKvk †_‡K GKwU Kbdv‡g©kb †g‡mR cv‡eb|
https://www.bkash.com/bn/products-services/send-money
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3. Avcbvi weKvk G¨KvD›U bv¤^vi Ges UvKvi cwigvb G‡R›U †iwRóv‡i wjLyb
4. weKvk †gvevBj †gby¨i Rb¨ Avcbvi †gvevB‡j *247# Wvqvj Kiæb
5. K¨vk AvDU wm‡j± Kiæb (†gvevB‡j 4 wj‡L †mÛ Kiæb)
6. d«g G‡R›U wm‡j± Kiæb (†gvevB‡j 1 wj‡L †mÛ Kiæb)
7. G‡R‡›Ui weKvk G¨KvD›U b¤^iwU w`b (G‡R›U‡K wRÁvmv Kiæb)
8. UvKvi cwigvb wjLyb
9. Avcbvi weKvk †gvevBj †gby¨ wcb w`‡q K¨vk AvDU m¤úyb© Kiæb|
10. Avcwb Ges G‡R›U `yRbB Kbdv‡g©kb †g‡mR cv‡eb| UvKv ¸‡b wbb Ges
KvD›Uvi Z¨vM Kivi c~‡e© G‡R›U †iwRóv‡i Avcbvi ¯^vÿi w`b|

https://www.bkash.com/bn/products-services/cash-out/agent
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mv‡_ hv ivL‡eb-
1) RvZxq cwiPq c‡Îi Z_¨,
2) 2) me©‡kl †jb‡`‡bi Z_¨ (weKvk e¨v‡jÝ Rvbvi Rb¨ cÖ‡qvR‡b 50 UvKv
K¨vk Bb Ki‡j ‡gvevB‡j †h, GmGgGm cvIqv hv‡e Zv †_‡K †jb‡`‡bi Z_¨ I
weKvk e¨v‡jÝ cvIqv hv‡e) I weKvk e¨v‡jÝ |
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The destination account is in a state which prohibits the acquisition of the
transaction. wjLv †g‡mR †`L‡j m`m¨‡K cybivq KYC form cyib K‡I (cÖ_g ev‡ii g‡Zv)
weKvk G‡R›U ev CSC gnvLvwj‡Z cvVv‡Z n‡e|
†gvevBj nvwi‡q †M‡j
 mswkøó †gvevBj †Kv¤úvwb‡Z †dvb K‡i wmg nviv‡bvi K_v Rvbv‡Z n‡e
 _vbvq wRwW Ki‡Z n‡e Ges
 kvLv Awd‡mI Rvbv‡Z n‡e
 cieZx©‡Z mswkøó †gvevBj †Kv¤úvwbi Kv÷vi mvwf©m †m›Uvi (CSC) cybivq wmg
DVv‡Z cvi‡eb
fzj ‡gvevBj bv¤^v‡i UvKv cvVv‡j
Confirm to menu pin ‡`Iqvi c~‡e©i ‡g‡mRwU fvj K‡i †gvevBj bv¤^vi Ges UvKvi
cwigvb wgjv‡q cvVv‡Z n‡e|
‡g‡mR bv cvIqv
weKvk Kv÷vi mvwf©m †m›Uvi(CSC) G 16247 bv¤^v‡i †dvb Ki‡Z n‡e Ges eª¨vK
Awd‡m Rvbv‡Z n‡e|
‡bUIqvK©
‡h ¯’v‡b,†h †bUIqvK© fvj †mB †gvevBj †dvb †Kv¤úvwbi wm‡g weKvk
GKvD›U Lyj‡Z n‡e|
 GROUP WORK
MÖæc 1: weKvk ‡iwR‡›Uªkb
MÖæc 2: K¨vk Bb, ‡mÛgvwb
MÖæc 3: K¨vk AvDU, gvB weKvk, †ní jvBb
MÖæc 4: weKvk Kg©m~wPi cÖwZeÜKZv

প্রত্যেক MÖæc ‡cvóvi ˆZwii Rb¨ mgq 20 wgwbU

Dc¯’vc‡bi Rb¨ mgq 5 wgwbU
cÖkœ-DËi 5 wgwbU
DAY REVIEW
DAY
2
gvwmK Rgv wnmve
(wWwcGm)
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†gqv‡` †¯^”Qvq †h wbwÏ©ó cwigvb mÂq/ AvgvbZ Rgv K‡i (eZ©gv‡b gvwmK Rgv
bv‡g cwiwPZ)Zv †¯^”Qv Avgvb‡Zi AvIZvq Avm‡e| GB ¯‹x‡gi AvIZvq †KD hw` 100,
200, 300, 400, 500, 1000, 2000, 3000, 4000, 5000, 6000, 7000, 8000, 9000, 10000 UvKvi
3, 5, 8 I 10 eQi †gqv`x wnmve †Lv‡jb Z‡e wbwÏ©ó †gq`v‡šÍ wZwb my`mn wba©vwiZ
cwigvb A_© cv‡eb| GKB e¨w³ (cyiæl ev gwnjv) GKB bv‡g GKvwaK wnmve †Lvj‡Z
cvi‡eb| D³ wnmve †Lvjvi Rb¨ wbwÏ©ó di‡g Av‡e`b Ki‡Z n‡e| wb‡gœ †gqv`v‡šÍ my`mn
wba©vwiZ cÖvc¨ A_© cÖvwßi ZvwjKv cÖ`vb Kiv nj|
‡gqv`v‡š— c«vc¨ A‡_i« cwigvb
‡gqv` †k‡l cÖvc¨ UvKv
gvwmK
wKw¯Íi cwigvb 3 ermi (6.43%) 5 ermi (6.99%) 8 ermi(8.04%) 10 ermi (8.55%)

100 3,980 7,200 13,500 19,000

200 7,960 14,400 27,000 38,000
300 11,940 21,600 40,500 57,000
400 15,920 28,800 54,000 76,000
500 19,900 36,000 67,500 95,000

1,000 39,800 72,000 1,35,000 1,90,000

2,000 79,600 1,44,000 2,70,000 3,80,000

3,000 1,19,400 2,16,000 4,05,000 5,70,000

5,000 1,99,000 3,60,000 6,75,000 9,50,000

10,000 3,98,000 7,20,000 13,50,000 19,00,000

` c~wZ©i Av‡M UvKv D‡Ëvjb Ki‡j ev fvsMv‡j jf¨vs‡ki nvi n‡e wbgœiƒ

mgqKvj jf¨vsk/my`
1g ermi c~Y© bv n‡j cy‡iv Rgv +0% my` ev
jf¨vsk
1g ermi ci wKš‘ 3 q ermi c~Y© bv n‡j cy‡iv Rgv +4% my` ev
jf¨vsk
3q ermi ci wKš‘ 5g ermi c~Y© bv n‡j cy‡iv Rgv +5% my` ev
jf¨vsk
5g ermi ci wKš‘ 8g ermi c~Y© bv n‡j cy‡iv Rgv +6% my` ev
jf¨vsk
8g ermi ci wKš‘ 10g ermi c~Y© bv n‡j cy‡iv Rgv +7% my` ev
jf¨vsk
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 ïaygvÎ eª¨vK msMVbf~³ m`m¨ivB G wnmve Lyj‡Z cvi‡eb| hviv eª¨vK msMV‡bi
m`m¨ bb Zviv wnmve Lyj‡Z PvB‡j Zv‡K Aek¨B msMV‡bi m`m¨ n‡Z n‡e| msMV‡bi
m`m¨ nIqvi Rb¨ 20 (wek) UvKv fwZ© wd cÖ`vb Ki‡Z n‡e|

 ‡h †Kvb eq‡mi e¨w³B GB ¯‹x‡gi m`m¨ e‡j we‡ewPZ n‡eb| A_©vr G†¶‡Î eq‡mi
†Kvb eva¨evaKZv bvB|

 cÖwZwU gvwmK Rgv cÖK‡íi Rb¨ hviv bM‡` Rgv Ki‡eb Zv‡`i‡K 1wU K‡i
wWwcGm bM` Rgv KvW© Ges hviv weKv‡k cvVv‡eb Zv‡`i‡K weKvk wWwcGm
Rgv KvW© eª¨vK Awdm n‡Z mieivn Kiv nq,Gi Rb¨ †Kvb g~j¨ cwi‡kva Ki‡Z nq bv|

 m`m¨ wnmv‡e fwZ©i Rb¨ Awdm n‡Z mieivnK…Z fwZ© dig e¨envi Ki‡Z n‡e|

 gvwmK Rgv wnmve †Lvjvi mgq wnmveavix‡K Awd‡m G‡m wnmve Lyj‡Z n‡e| Z‡e wKw¯Z
Rgvi wnmveavix ev †h †Kvb cÖwZwbwai gva¨‡g cÖwZ gv‡mi 15 Zvwi‡Li g‡a¨ cvkeB mn
Awd‡m G‡m UvKv Rgv wbwðZ Ki‡Z n‡e †Kvb Kvi‡b 15 ZvwiL AwZµvšÍ n‡j cÖwZ kZ
UvKvi Rb¨ 5(cuvP) UvKv Rwigvbvmn PjwZ gv‡mi g‡a¨ UvKv Rgv Ki‡Z cvi‡e, †Kvb Kvi‡b
PjwZ gv‡mi g‡a¨ wKw¯Z Rgv bv Ki‡Z cvi‡j cieZx© gv‡mi 1 †_‡K 15 Zvwi‡Li g‡a¨ cÖwZ kZ
UvKvi Rb¨ 5(cuvP) UvKv Rwigvbvmn 2gv‡mi UvKv GK‡G Rgv Ki‡Z cvi‡e|
 m‡e©v”P 5 gv‡mi wKw¯Z Rwigvbvmn GK‡Î cwi‡kva Ki‡Z cvi‡e Z‡e 6 gvm
AwZµvšÍ n‡j wnmvewU eÜ n‡q hv‡e|

 ‡gqv` c~wZ©i c~‡e©B gvwmK Rgv wnmve eÜ Ki‡j mvwf©mPvR© wnmv‡e ‡Kvb
UvKv †K‡U ivLv n‡e bv|

 gvwmK Rgvi wKw¯Íi cwigvb KLbI wba©vwiZ nv‡ii ‡P‡q Kg ev †ekx n‡Z cvi‡e bv|

 whwb gvwmK Rgv wnmve Lyj‡eb Zvi AeZ©gv‡b Zvi g‡bvbxZ bwgbx gvwmK Rgvi
mgy`q A_© cvIqvi AwaKvix n‡eb| Z‡e bwgbx‡K gvwmK Rgv wnmve cwiPvjbvKvixi
g„Zz¨i Dchy³ mv¶¨ cÖgvb cÖ`k©b Ki‡Z n‡e| bwgbx bvevjK /bvevwjKv n‡j Zvi
AwffveK G A‡_©i †ndvRZKvix wnmv‡e A_© MÖnb Ki‡Z cvi‡eb|

 gvwmK Rgv cÖKí cwiPvjbvKvjxb mg‡qi g‡a¨ g‡bvbxZ bwgbxi g„Zz¨ NU‡j D³ bwgbx
evwZj e‡j Mb¨ n‡e| G†¶‡G cwiPvjbvKvix‡K 3 gv‡mi g‡a¨ bZzb bwgYx g‡bvbxZ
K‡i wjwLZfv‡e mswkøó KZ…©c¶‡K AewnZ Ki‡Z n‡e| GQvovI †gqv` c~wZ©i
c~‡e© Rgv`vbKvixi wjwLZ Av‡e`‡bi gva¨‡g bwgbx cwieZ©b Ki‡Z cvi‡eb|
cwiewZ©Z bwgbxi Qwe Aek¨B Rgv w`‡Z n‡e|

 ‡gqv` cw~Z©i c~‡e© gvwmK Rgv wnmve cwiPvjbvKvixi g„Zz¨ NU‡j Zvi g‡bvbxZ bwgbx
gvwmK Rgv wnmve cwiPvjbv wnmve Af¨vnZ ivL‡Z PvB‡j wZwb Zv ivLvi my‡hvM cv‡eb|
G‡¶‡Î bwgbx‡K gvwmK Rgv wnmve cwiPvjbv Ae¨vnZ ivL‡Z Pvb G g‡g© mswkøó kvLv
Awdm‡K wjwLZfv‡e AewnZ Ki‡Z n‡e|G‡¶‡Î wZwbI GKB Dcv‡q Zvi bwgbx g‡bvbxZ Ki‡Z
 gvwmK Rgv cwiPvjbvKvixi RxeÏkvq bwgbxi g„Z…¨ NU‡j Ges bZzb bwgbx g‡bvbqb
Kivi c~‡e©B cwPvjbvKvixiI g„Zz¨ NU‡j eª¨vK KZ…©c‡¶i GKK wm×v‡šÍ bwgbx
g‡bvbqb Kiv n‡e|

 cÖwZwU gvwmK Rgv wnmv‡ei Rb¨ 1 wU K‡i weKvk Rgv/bM` Rgv KvW© eª¨vK
Awdm n‡Z mieivn Kiv n‡e| Rgv`vbKvix‡K wKw¯Íi wnmve bM‡` Rgv Ki‡j Rgv eB‡q
wbqwgZ Zz‡j wb‡q A_©MÖnxZvi ¯^v¶i wbvðZ Ki‡Z n‡e Ges weKv‡k Rgv Ki‡j
weKvk Rgv Kv‡W© wbRB wj‡L ivL‡eb|

 eª¨vK Awdm n‡Z 6 gvm AšÍi wU K‡i Kw¤úDUvi n‡Z 1 wU K‡i †jb‡`‡bi Kwc
wcI/wcGm gvB‡µvdvBb¨vÝ Gi gva¨‡g †cŠ‡Q w`‡e|

 eª¨vK KZ…©c¶ cÖ‡qvR‡b †h †Kvb mgq Dc‡iv³ GK ev GKvwaK bxwZgvjv cwieZ©b

cwiea©b ms‡kvab ms‡hvRb we‡qvRb Kivi AwaKvi iv‡L|

 eª¨vK KZ…©c¶ †Kvb Kvib `k©v‡bv e¨wZ‡i‡K Ges †Kvb c~e©eZx© †bvwUk
e¨wZ‡i‡K †h †Kvb mgq gvwmK Rgv Kg©m~wP eÜ K‡i †`qvi AwaKvi iv‡L Z‡e
‡m‡¶‡Î G Kg©m~wP m¤ú„Ë mKj m`m¨Mb D³ mg‡qi gv‡S Zv‡`i RgvK…Z mKj A_©
Ges bxwZgvjv Abymv‡i cÖvc¨ my` cvIqvi AwaKvix n‡eb|
 gvwmK Rgv wnmve †Lvjvi †¶‡Î Av‡e`bKvix‡K RvZxq cwiPqcÎ/cvm‡cv‡U©i
d‡UvKwc ,Av‡e`bKvixi 2Kwc I bwgbxi 1 Kwc Qwe wb‡Z n‡e| bwgbx Awd‡m bv
Avm‡j 2 Kwc bwgbx Z_¨ dig wdì n‡Z c~iY K‡i wb‡q Avm‡Z n‡e | G‡¶‡Î Qwe jvM‡e
2 Kwc| cÖvß eq‡®‹i †ÿ‡Î Av‡e`bKvixi RvZxq cwiPqcÎ/cvm‡cvU© bv _vK‡j AvÂwjK
e¨e¯’vcK gvB‡µvdvBb¨vÝ Gi Aby‡gv`b mv‡c‡¶ Rb¥wbeÜb wb‡q wnmve †Lvjv hv‡e|
Z‡e AcÖvß eq‡ÿi †ÿ‡Î Rb¥wbeÜb wb‡q wnmve †Lvjv hv‡e Z‡e G‡ÿ‡Î AvÂwjK
e¨e¯’vcK gvB‡µvdvBb¨vÝ Gi Aby‡gv`‡bi cÖ‡qvRb bvB|

 bvevjK/bvevwjKvi gvwmK wnmve †Lvjvi †¶‡Î Zvi Rb¥wbeÜb I wnmve

cwiPvjbvKvixi RvZxq cwiPqcÎ ev cvm‡cv‡U©i d‡UvKwc wb‡q wnmve †Lvjv hv‡e |
weKvk Rgv/bM` Rgv KvW© nvwi‡q †M‡j kvLve¨e¯’vcK eivei `iLv¯Í Ki‡Z n‡e|
kvLve¨e¯’vcK KZ…©K Aby‡gv`‡bi ci cybevq Avi GKwU weKvk Rgv/bM` Rgv KvW
wnmveavixi bv‡g Bmy¨ Ki‡Z n‡e Z‡e weKvk Rgv/bM` Rgv KvW Dc‡i Wywcø‡KU
wj‡L w`‡Z n‡e|
 wc Gm KZ©…K m`m¨‡`i mv‡_
Av‡jvPbvi welqvejx
wWwcGm wK?
wWwcGm n‡”Q UvKv mÂq Kivi GKwU c×wZ| hvi gva¨‡g †gqv` †k‡l wbw`©ó Rgvi
wecix‡Z jvfmn m‡qi cy‡iv A_© GKm‡½ cvIqv hvq|
eª¨v‡K gvwmK mÂq ‡Kb Ki‡eb?

45 eQ‡ii wek¦¯Í I wbf©i‡hvM¨ cÖwZôvb

Awd‡m bv G‡m mn‡R, Kg Li‡P, †h‡Kvb mgq I wbivc‡` weKvk-G cÖwZ
gv‡m wWwcGm UvKv cÖ`vb
‡gqv`v‡šÍ AvKl©bxq jf¨vskmn m¤ú~Y© A_© cÖvwß

PvwnevgvÎ mÂq †diZ cvIqvi wbðqZv|

Kv‡ki gva¨‡g wW wc Gm Rgv w`‡Z ‡M‡j wK Ki‡Z n‡e?

avc -1t weKv‡k ‡iwR‡÷«kb Ki‡Z n‡e;

avc -2t weKv‡k wWwcGm c«`v‡bi Rb¨ Awd‡m Av‡e`b Ki‡Z n‡e;
avc -3t 1g evi wWwcGm weKv‡ki gva¨‡g ‡jb‡`b Kivi Rb¨ wbw`©ó UvKv K¨vk Bb K‡i
Awd‡m Avm‡Z n‡e;
avc -4t cieZ©x‡Z weKv‡k wWwcGm c«`v‡bi Rb¨ weKvk KvW© AbymiY Ki‡Z n‡e;
weKvk-Gi gva¨‡g †jb‡`bKvix m`m¨‡`i Rb¨ Aek¨B
Kibxq
 weKv‡ki gva¨‡g †jb‡`b Kivi Rb¨ wbKU¯Õ weKvk G‡R›U A_ev wmGmG weKvk
G‡R›U (cÖ‡hvR¨ †ÿ‡Î) Gi Kv‡Q wM‡q weKv‡ki A¨vKD›U Lyj‡Z n‡e;
 cÖ_gevi weKv‡k wWwcGm cÖ`vb Kivi Rb¨ m`m¨‡K Aek¨B Awd‡m G‡m Av‡e`b
Ki‡Z n‡e;
 wWwcGm-Gi UvKv cvVv‡bvi †ÿ‡Î wba©vwiZ Kwgkbmn m¤ú~Y© A_© cvVv‡Z
n‡e;
 di‡g DwjøwLZ weKvk b¤^i Qvov Ab¨ †Kvb b¤^i †_‡K UvKv cvVv‡bv hv‡e bv;
 weKvk †gvevBj b¤^i cwieZ©b n‡j Zv m‡½m‡½ eª¨vK Awd‡m Rvbv‡Z n‡e;
 15 Zvwi‡Li c‡i UvKv cvVv‡j AwZwi³ Rwigvbvmn wWwcGm-Gi UvKv cvVv‡Z n‡e|
Ab¨_vq Zv Rgv n‡e bv;
 c«wZevi wb‡Ri ‡gvevBj ‡_‡KB weKv‡k ‡jb‡`b Ki‡Z n‡e;
‡gqv`v‡š— c«vc¨ A‡_i« cwigvb
‡gqv` †k‡l cÖvc¨ UvKv
gvwmK
wKw¯Íi cwigvb 3 eQi 5 eQi 8 eQi 10 eQi

100 3,980 7,200 13,500 19,000

200 7,960 14,400 27,000 38,000
300 11,940 21,600 40,500 57,000

400 15,920 28,800 54,000 76,000

500 19,900 36,000 67,500 95,000

1,000 39,800 72,000 1,35,000 1,90,000

2,000 79,600 1,44,000 2,70,000 3,80,000

3,000 1,19,400 2,16,000 4,05,000 5,70,000

5,000 1,99,000 3,60,000 6,75,000 9,50,000

10,000 3,98,000 7,20,000 13,50,000 19,00,000

Facilitation

Dc¯’vcbv: †Kvb D‡Ïk¨‡K mvg‡b †i‡L

wbw`©ó mg‡q avivevwnKfv‡e †Kvb
welqe¯‘‡K Zz‡j aivB n‡jv Dc¯’vcbv|
Dc¯’vc‡bi †ÿ‡Î we‡eP¨ welqmg~n

 K¬vmiæg cwi”Qboe I cwicvwU ivLv

 cÖ¯‘wZ wb‡q K¬v‡m hvIqv
 cÖwkÿbv_©x‡`i m¤§vb cÖ`k©Y Kiv
 cÖwkÿbv_©x‡`i cÖkoe g‡bv‡hvM mnKv‡i †kvbv Ges mgm¨v
mgvav‡b m‡PZb _vKv
 kvixwiK A½fw½ I KÚ¯^i Gi welq m‡PZb _vKv
 AvKl©bxq evPb fw½;
 ‡RÛvi m‡PZb nIqv
 Gwo‡q hvIqv/cwinvi Kiv;

Cont…..
 ZvKv‡bv ev †Pv‡Li `„wó;
 mevB‡K mgvb ¸iæZ¡ cÖ`vb
 gvwR©Z †cvkvK cwiavb Kiv
 ‡QvU †QvU cÖkœ Kiv
 Av‡jvPbvq im‡eva m„wó Kiv
 wba©vwiZ mg‡q Av‡jvPbv †kl
Kiv
 AskMÖnYg~jK c×wZi e¨envi
 cÖwkÿY DcKib h_vh_fv‡e
e¨envi Kiv
 cv‡Vi cyb:Av‡jvPbv I mvims‡ÿc
Kiv
Cont…..
DON’T
 wb‡R †ekx ejv
 cÖwkÿbv_©x‡K agKv‡bv
 ‡i‡M hvIqv
 gy`ªv‡`vl
 cÖ¯‘wZ Qvov K¬v‡m hvIqv
 cÖwkÿbv_©x‡`i ¸iæZ¡ bv †`Iqv
 ‡kÖYx k„•Ljv wVK K‡i Zv wb‡R Agvb¨ Kiv
 cÖwkÿbv_©x‡`i cÖkoe ïb‡Z bv PvIqv
 we‡kl we‡kl cÖwkÿbv_©x‡`i †ekx ¸iæZ¡ cÖ`vb
 Av‡jvPbv‡K ¸iæZ¡ bv w`‡q mgq‡K †ekx
¸iæZ¡ cÖ`vb
 wb‡R‡K meRvšÍv g‡b Kiv
 AbygwZ bv wb‡q mg‡qi c‡i K¬vm Pvwj‡q hvIqv
 cÖ‡Z¨K wcGm wfI †Z
Av‡jvPbvi welqvejx ‡cvóv‡i
wj‡L Dc¯’vcb Ki‡e
প্রত্যেক MÖæc ‡cvóvi ˆZwii Rb¨ mgq 20 wgwbU
Dc¯’vc‡bi Rb¨ mgq 5 wgwbU
cÖkœ-DËi 5 wgwbU
 wcGm (wWwcGm)-†`i KvR mgyn
cÖwZ e„n¯úwZevi kvLv e¨e¯’vcK I wcI/wcGm (Gg Gd) †`i mv‡_ e‡m AvMvgx mßv‡ni wfI
wfw³K cÖwkÿY wmwWDj ˆZwi Kiv|
wmwWDj Abyhvqx cÖwZw`b Kgc‡ÿ 2wU ¯ú‡U 20 Rb Ges gv‡m †gvU (18*20)=360 Rb‡K
cÖwkÿY Kiv‡Z n‡e|
mswkø÷ kvLvq 6 gv‡mi g‡a¨ mKj wfI‡Z †Uªwbs †kl Ki‡Z n‡e|
cÖwkÿY MÖnbKvix‡`i ZvwjKv wba©vwiZ di‡gU Abyhvqx Awd‡m GKwU dvB‡j msiÿY Ki‡Z
n‡e
cÖwkÿY †_‡K AvMÖnx MÖvnK‡`i weKvk †iwR‡óªk‡bi e¨vcv‡i c~b© mn‡hvwMZv cÖ`vb
Ki‡Z n‡e|
cÖwZ gv‡m mswkøó kvLvq wcI-‡`i jÿ¨ gvÎvi AwZwi³ wcI cÖwZ Av‡iv 3 Rb‡K weKv‡ki
gva¨‡g †jb‡`b Kiv‡Z n‡e Ges Zv‡`i Iqv‡jU mwµq ivL‡Z n‡e|
‡h mKj kvLvq wmGmG G‡R›U Av‡Q †m mKj kvLvq cÖwZw`b Kgc‡ÿ 3 Rb MÖvnK‡K
†iwR‡óªk‡bi Rb¨ wmGmGi wbKU cvVv‡bv wbwðZ Ki‡Z n‡e|
wfI cÖwZwbwa wbe©vP‡b wcI‡`i c~b© mn‡hwMZv cÖ`vb Kiv Ges Zv‡`i cÖwkÿb Kiv‡bv|
mswkøó kvLvq wcI-‡`i jÿ¨gvÎv AR©‡b mn‡hvwMZv Ki‡Z n‡e|
MÖvnK cÖwkÿY I †iwR‡óªkb msµvšÍ cÖwZ‡e`b cÖwZ mßv‡n kvLv e¨e¯’vcK I GmGm †K
cÖ`vb Ki‡Z n‡e|
wcGm (weKvk) Gi ZË¡veavb
weGg(`vwe)Mb cÖKí Kgx©‡`i ZË¡veavqK wn‡m‡e `vwqZ¡ cvjb Ki‡eb Ges †eZb fvZv I
ågY we‡ji Aby‡gv`b w`‡eb |
Z‡e wb‡qvM, eiLv¯Í I QzwUi †ÿ‡Î mswkøó (AviwWBD) Gi civgk©µ‡g weGg
cÖ‡qvRbxq c`‡ÿc wb‡eb|
cÖKí Kgx©‡`i wb‡`©wkZ mvgwMÖK Kv‡Ri `vwqZ¡ I mdj ev¯Íevq‡bi Rb¨ `vwe
Kg©mywPi ZË¡veavqKMb (weGg,GGg,AviGg,wWGg) I mswkøó GmGm Mb †hŠ_fv‡e
`vqe× _vK‡eb|
GmGm (AviwWBD)Mb cÖKí Kgx©‡`i Z`viwK,`ÿZv Dbœqb Ges gwbUwis Ki‡eb|
wi‡cvwUs:
cÖKí Kgx©Mb Zv‡`i Kv‡Ri gvwmK cÖwZ‡e`b wb©avwiZ di‡g‡U ‰Zix Ki‡eb Ges
weGg Gi ¯^vÿi wb‡q Gm Gm‡K cÖ`vb Ki‡eb|
wKQz w`K wb‡`©kbv:
 Iwi‡q‡›Uk‡bi w`b †_‡K wWwcGm/F‡Yi wKw¯Í Av`v‡qi Rb¨ m`m¨‡`i weKvk
†iwR‡óªkb I Av‡e`b ïiæ Ki‡Z n‡e|

 cÖwZwU weKvk kvLvq weKv‡ki gva¨‡g wWwcGm/wKw¯Í Av`v‡qi Rb¨ AvcvZZ

Av‡e`b dig Ges m¤§wZ cÎ d‡UvKwc K‡i 2wU Avjv`v ‡KvU© dvB‡j msiÿY Ki‡Z
n‡e |

 cÖwZ mßv‡n kvLvi wi‡cv©U msMÖn K‡i weGg(`vwe) †K cÖ`vb Ki‡Z n‡e|

 weKvk kvLvq wWwcGm Gi †ÿ‡Î ‡Kvb cvkeB e¨envi n‡ebv| bM‡` cª`v‡bi †ÿ‡Î
wWwcGm Rgv KvW© Ges weKv‡ki Rb¨ weKvk KvW© e¨envi Kiv n‡e| Dfq †ÿ‡Î
cÖwZ †Kvqv©Uvi †k‡l mKj wWwcGm MÖvnK‡K †jb‡`b weeiwY cÖ`vb wbwðZ
Ki‡Z n‡e|
 cÖ_g evi weKv‡ki gva¨‡g wWwcGm cÖ`v‡bi mgq cvkeB‡qi mv‡_ Kw¤úDUv‡i
e¨v‡jÝ wg‡j‡q kvLv wnmve KZ©vi ¯^vÿi wbwðZ Ki‡Z n‡e|
 MÖvnK GK gv‡m F‡Yi wKw¯Í weKv‡k Avevi Ab¨ gv‡m bM‡` cÖ`vb Ki‡Z cvi‡eb|
wKš‘ wWwcGm Gi †ÿ‡Î ïay weKv‡kB cÖ`vb Ki‡Z n‡e |
 kvLv e¨e¯’vcK eivei hZ¸‡jv cwjwm _vK‡e ZZ¸‡jv Av‡e`b Ki‡Z n‡e|
 GKRb wWwcGm †nvìv‡ii A‡bK ¸‡jv cwjwm _vK‡j GKwU Iqv‡jU/‡gvevBj wmg
†_‡K UvKv cvVv‡Z cvi‡eb|
 hw` GK R‡bi bv‡g Avjv`v Avjv`v m`m¨ bv¤^i _v‡K ev GKB cwiev‡i GKvwaK m`m¨i
bv‡g wWwcGm _v‡K Z‡e Avjv`v Avjv`v Iqv‡jU/‡gvevBj wmg †_‡K UvKv cvVv‡Z
n‡e|
 gv‡mi 14 Zvwi‡Li g‡a¨ hviv wWwcGm Gi wKw¯Í cÖ`v‡b e¨_© n‡q‡Q Zv‡`i ZvwjKv
Kw¤úDUvi wcÖ›U †_‡K †`‡L †hvMv‡hvM Kiv, hv‡Z m`m¨‡`i Rwigvbv w`‡Z bv nq|
 ‡h mg¯Í MÖvnK weKv‡k UvKv cvVv‡bvi mgq †idv‡iÝ fzj wjL‡eb Zv‡`i wPwýZ K‡i
fzj awi‡q w`‡q ms‡kva‡bi e¨e¯’v Kiv|
Kgx© KZ…©K MÖvnK‡K
mn‡hvwMZv cÖ`vb
1. †Kvb mskq _vK‡j welqwU cwi¯‹vi Kiv,

2. wcb e¨envi I g‡b ivLvi welqwU †kqvi Kiv,

3. ‡gvevBj/wmg nvwi‡q ‡M‡j wK Ki‡Z n‡e †m wel‡q mn‡hvMxZv Kiv

4. প্রয়োজনে প্রাথমিক ভাবে নিজে গিয়ে বিকাশে রেজিস্টার ও লেনদেনে সহায়তা করা
5. গ্রাহকের পরিবারের সদস্যদেরকেও বিকাশ ব্যবহারে উৎসাহিত ও সাহায্য করা
Competency

COMPETENCY
the ability to do something successfully or efficiently.

- Communication
- Teamwork
Communication
Communication is a process of transferring information from one entity to another.
Tips of Effective Communication
• Clear & direct
• Be respectful
• Avoid making quick assumptions
• Effective listening
• Stay positive
Communication is about overcoming barriers
• Sound Noise
• Emotional Noise
• Language
• Information Overloaded
• Jumping to conclusion
Team Work
Team Work

PO SS

YOU
GOOD LUCK