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Smart credit Bytes

Smart credit Bytes

著者: Sangeeta Sharma
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🎙️ Smart Credit Bytes Hosted by Sangeeta Sharma, this podcast simplifies MSME finance, credit analysis, and loan tips in short, actionable episodes. 🎧 New episodes every Monday & Thursday. Learn. Grow. Get credit-ready.Sangeeta Sharma マネジメント・リーダーシップ リーダーシップ 経済学
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  • Episode 7 – Borrowed Dreams: How to Stop Living the Life Others Planned for You
    2025/09/13

    Episode 7 – Borrowed Dreams: How to Stop Living the Life Others Planned for You

    Are you truly living your dream, or are you trapped in a script written by others?

    From childhood, many of us are pushed into careers, choices, and lifestyles designed by parents, peers, or society. These borrowed dreams look like success on the outside but often leave us restless and unfulfilled on the inside.

    In this powerful episode of The Power Within You, I uncover:
    - How dreams get borrowed — childhood conditioning, peer pressure, cultural scripts
    - The signs you’re living someone else’s life
    - The heavy costs of borrowed dreams — stress, regret, identity loss
    - A 4-step framework to reclaim and protect your authentic dream
    - Hindi dohas and poetry that remind us: truth is the highest penance

    💡 If you’ve ever asked yourself, “What if I had chosen differently?” — this episode will help you start answering that question with courage.

    👉 Follow & subscribe now to keep reclaiming your power.

    Keywords: borrowed dreams, authenticity, Kabir doha, Gulzar poetry, self-growth, purpose, Indian wisdom, life choices

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    9 分
  • Episode 13 – Collateral in MSME Loans: More Than Just Security
    2025/09/08

    Episode 13 – Collateral in MSME Loans: More Than Just Security

    For many entrepreneurs, collateral simply means “giving property papers to the bank.” But in reality, collateral is much more than that. For bankers, it’s not just about security — it’s about confidence, comfort, and credibility.

    In this episode of Smart Credit Bytes, I’ll cover:

    1. What collateral really means in MSME lending
    2. How bankers view collateral — not as repayment, but as risk cover
    3. The most common mistakes MSMEs make with collateral
    4. Types of collateral beyond just property (FDs, LIC, NSCs, machinery, guarantees, CGTMSE)
    5. A smart borrower’s guide to managing collateral wisely


    If you’ve ever struggled with the question, “Why does the bank need collateral even if my business is good?”, this episode will clear your doubts.


    👉 Hit follow & subscribe to keep learning insider insights on MSME finance.

    Keywords: MSME collateral, bank loans, security, CGTMSE, borrower mistakes, loan approval, MSME finance

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    10 分
  • Episode 6 – The Mask We Wear: Finding Freedom in Authenticity
    2025/09/06

    Episode 6 – The Mask We Wear: Finding Freedom in Authenticity

    We all wear masks. A mask of confidence when we’re scared. A mask of smiles when our heart is heavy. A mask of perfection just to gain approval.

    But what happens when we forget who we are beneath those masks?

    In this episode of The Power Within You, I share:

    • Why we wear masks — childhood, society, fear of rejection
    • The hidden costs of pretending — exhaustion, shallow connections, lost identity
    • How to recognize your own masks through reflection
    • Practical tools to live authentically and breathe free
    • Inspiring Hindi dohas and couplets that remind us of the power of truth


    This episode will encourage you to stop pretending and start living in alignment with your real self.

    👉 Hit follow & subscribe to continue your journey to freedom and authenticity.

    Keywords: authenticity, masks, self-growth, Hindi poetry, Kabir doha, Gulzar, Rahat Indori, inner truth, personal growth

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    8 分
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