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Mobile credit card Swosti hits market

The card will provide loans in medical emergencies

Star Business Report
Swosti, a sister concern of bdjobs.com, yesterday launched a mobile credit card in a bid to provide quick loan facilities to people, particularly in case of medical emergencies.
The credit card, Swosti, will use mobile network to provide automated loan facilities through the mobile banking services of Dutch-Bangla Bank, said AI Muqsit, chairman of bdjobs.com, the country's largest jobsite.
Dustha Shasthya Kendra (DSK) will provide the loans for the credit cardholders at low interest rates, as the whole system is automated, Muqsit said.
The clients with two years of experience with DSK will be eligible to get the loan of Tk 3,000 to Tk 10,000, he said. The client will repay the loans in 10 instalments in a year, Muqsit said.
Swosti will charge 1.5 percent interest on every loan disbursement and DSK will charge interest as per the government law, he said.
The government set the highest limit of interest at 27 percent for microfinance institutions.
The interest rate of microcredit is high in the country, and people do not get money when required, said said AKM Fahim Mashroor, chief executive officer ofbdjobs.com.
Swosti will give money to people in crisis, Mashroor said.
In a medical crisis, Swosti will act as a real friend by helping with the finance, he said.
"The more affluent businessmen of the society are using credit cards, while the less affluent are deprived. Swosti will
provide the facility of credit cards to the small businessman," he said.
The Ioan facilities through mobile device will ensure easy access of funds at a low cost, said Atiur Rahman, governor of Bangladesh Bank.
The mobile banking system is getting popular in the country, Rahman said.
BB has provided licences to 27 commercial banks.
It will be possible to curtail interest rate of microcredits in presence of an automated and time-saving system, he said.
This is the time of information technology, and Swosti will be popular in the country, said Qazi Kholiquzzaman Ahmad, chairman of Palli Karma-Sahayak Foundation.
The credit card loan facilities will save the borrowers' time, Ahmad said.