1. There are differences in the tactics use by bank officers in debts recovery.
2. Group "C" bank officers use "cleverness" to recover bank debts.
3. Group "M" bank officers use "wisdom" to recover bank debts.
4. If the borrowers commit suicide or become bankrupt, the major losers are the banks and society.
5. "Too clever" is likes a "burnt out" bread. Not good for your health.
6. Islamic banking ensure happy borrower and happy family
