# 4


"Undepromise and over deliver"

"Have you ever seen the driver of an ambulance being questioned by the traffic police? We need to behave like an ambulance... Of course there will be problems but we will find solutions and move ahead. Don't brood over problems. Let's solve them"

This is quintessential Ghosh - an entrepreneur who believes in action, more a doer than a thinker - a doer, driven by strong, earthy common sense. 

Ghosh used to keep the executives of RBI, even remotelt connected with rural credit informed of every step he was taking, even though he was not required to do so. He would send a monthly progress report to all of them, even though they might not read those and gave feedback only occassionally. This illustrates his extreme sincerity, clarity of purpose and uncanny knack for building relationships with everybody who matters. Indeed, he is very much a relationship man. ASA International's Haque told me that every time his team came to Kolkata, Ghosh called them home for dinner and served simple, home cooked food, thereby forging stronger ties. Sanesh Singh of SIDBI, who played a key role in the Bandhan getting it's first loan from the development finance organization is also hugely impresses with Ghosh, whom he found very receptive to ideas - " he is very innovative and hard working. He has a very strong rustic common sense and is street smart. He is always at the right place at the right time, meeting the right people and willing to explore ideas. He is an entreprenuer who is willing to take risks. "




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