There are certain enabling conditions under which the clients are likely to benefit more from provision of microfinance. Our research indicates that the following enabling conditions allow clients to benefit more from provision of microfinance. Skills: In almost all the instances where positive impact has been witnessed, clients had required skills necessary for the enterprise […]
The credit risk measurement systems in MFIs need to evolve substantially in order to sustainably provide collateral-less loans to poor clients. While lending through the group guarantee mechanism has ensured sound portfolio quality for long periods of time, we have in the recent past witnessed situations when there has been a rapid decline in portfolio […]
Challenging Work Environment for MFI Field Staff Members… The operational employees of MFIs have challenging work life which includes extensive work in the field as well as back-office work. A typical loan officer in an Indian MFI may spend well up-to eight hours in the field performing the activities such as – Collection meetings, Training […]
The good news for the microfinance sector in India is the robust growth it has displayed during 2013. When the going is good, we tend to get complacent. Growth needs to be applauded, no doubt. But we must also critically analyze what has made this possible. Better availability of on-lending funds as well as risk […]
