The Marwadi way

Marwadi-s are very good money managers. It is an inimitable talent. Even if others learn the art (of money management) they don't get the finesse of the Marwadi-s. Sometimes their way borders on cheating.. but from their side they are 'clear.' Probably it is like this: If a greater good is realized by even taking a wrong path, you can still go ahead. But mostly the customer gets a good deal notwithstanding the fact that the Marwadi always ends up with a better deal. Marwadi vs. customer is alwayas a WIN-win situation. If at all it comes to it, the Marwadi ensures that it is a win-lose situation in his favor. It is in their blood. That is why across the length and breadth of this world they are successful businessmen.

Today's incident demonstrates how I ended up in a win-lose situation (I was the loser.)

Last week we gave a mixie for repair in a Marwadi-s owned and managed shop. The shop gave an "invoice" for Rs. 396/- at the time of taking the order. Then itself I assumed that I am giving a big profit. I assumed that I will get a bill while receiving my item and that will stand as a safety-net for me. On the appointed day I went to collect my item and I was given the item. No bill. I felt uncomfortable and asked for a bill. The shop said "no bill for repairs, sir," with all politeness typically enacted by them. I insisted on a bill and seeing my persistence he took a white paper and scribbled most illegibly, "butterfly moter" put a hyphen and entered the amount. Dashed a vertical line and under it a short horizontal line and under it the "total" amount. On the left corner he scribbled an even more un-understandable sign.

I hated this bill. I argued that I can write such a bill myself at home much more lgibly. I asked for a "proper bill" by which I meant something on a letterhead mentioning the problem in my mixer and the charges for the repair. He insisted he cannot give such a bill; it was against his shop's "policy." I could not stand it anymore and soon we were arguing loudly. A grandmother was managing the cash counter and she intervened, trying to explain me. I was not ready for anything less than a bill on a letter-head. At this time, the fellow brought in the concept of warranty - said that the replaced item carried no warranty and so no bill. I was not knowing but this was where he took me completely in. I uttered that this kind of no-bill activity is equivalent to "cheating." And this made him also angry. (Actually the Marwadi never gets angry. Angry man doesn't have cool head and a hot head is not the best strategist tool. So, he looks angry but actually is not.)

Another lad came into the quarrel (now the argument became that.) He played the good man and tried to explain me. But I was ready for anything but to go without the bill. So I argued valiantly with both. Slowly they started highlighting that they are honest and that if the mixer develops a snag again I can walk in confidently and they would repair (and charge equally impressive amount.) "No need of bill." I was not be won over by such smooth talk. I stood strong and finally I won!! They agreed to prepare the bill. They prepared on the shop's letterhead. Now both sides were smiling - I that finally they gave an honest bill and they, that they were "satisfying" me.

And that was the catch. I *thought* I won, but actually the Marwadi converted it into a WIN-lose situation in his favor. While preparing the bill with a smiling face he was explaining that it attracts 4% for VAT and that there is no guarantee on the replaced part. The latter part he told with so much conviction that I believed it totally; I sympathized with him that it is not in his hands. And he mentioned both (VAT and no guarantee) in clear and legible writing on the bill.

I ended up paying more. The bigger loss is, had I taken the item with a smile at first I at least would have had a chance to go to him if the mixer goes phut after some days or weeks of use. Chances are that he wouldn't forget that it was repaired only recently and chances are that he would charge less. But now he deprived me of that chance (or did I deprive myself of it?) Even if the snag reappears tomorrow I lost all chance to blame anyone.

Moral: If you ever enter into an conflict with a Marwadi, go by his way. At least the loss will be smaller.