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Documente Cultură
Overview
Microfinance institutions serve some of the
worlds most needy.
A significant challenge facing these institutions
is the battle for financial self- sufficiency.
This includes controlling all the risks in the loan
portfolio.
In addition to adequate collection, timely payments
provide for a greater extension of funds to other
poor people, resulting in further outreach and
development.
Defaults or
credit risk
Possible reasons
Improper follow-up by staffs
o Gaps in process
o Poor screening of clients
o Creating personal relation with clients
o Local posting of Field Executives
o Field staff dont immediately report if there is
any about to delay.
Other Reasons
o Fake information given by the client(UID)
o Influence of one group on other.
o Inconvenience in collecting from every single
client.
o Insurance clearance is very slow.
o Clients business not working well
o Client also take loan to pay off previous loan.
Danapur Branch
Chart Title
9
8
7
6
5
4
3
2
1
0
Frequency
IMPACT OF OVERDUE
WHAT STAFFS DO TO
COLLECT OVERDUES
SUGGESTIONS
Proactive Strategies
- Process gaps should be checked upon (ensuring CGT
and GRT are done properly, client attendance i.e. at
least 80% should be present there in meeting, Filtration
of client should be done properly i.e. thorough checkups
of id like in many cases client face is not clear or photo is
missing which shows fake part of them.)
- ABM should asked to make video of whole GRT process.
- Reduce work load per FE so that they can be both
mentally and physically healthy and work better on
clients.(just like Bandhan per FE 8 meetings)
- There should be rotation of F.Es on certain intervals as
decided by authorised person.
Other strategies
- Mandatorily OD register should be maintained
at every critical branch and thoroughly checked
by UM.
- Staffs should be penalised for every delay on day
basis.
- If possible Saija should create Special Recovery
Team.
Thank You
APPENDIX
BRANCH
GRP. KIND
LOAN CYC.
CenterName
GRT BY
PATNA MAIN
SKR
SAI
REENA VERMA
PATNA MAIN
SKR
SHIVA
PATNA MAIN
SMR
ALLI
PATNA MAIN
SMR
ANIKET
PATNA MAIN
SMR
DEEPAK
PATNA MAIN
SMR
DIPEEK
PATNA MAIN
SMR
EKTA SATHI
PATNA MAIN
SMR
HANUMAN
PATNA MAIN
SMR
HIRA
PATNA MAIN
SMR
JHANSHI
PATNA MAIN
SMR
JUHI
PATNA MAIN
SMR
KANGAN
PATNA MAIN
SMR
KIRAN
PATNA MAIN
SMR
KRANTI
PATNA MAIN
SMR
MAHABHARAT
PATNA MAIN
SMR
MAHAGAURI
Remarks
Death case
Delay payment
because insurance
SANTOSH KR
department
Delay payment
SANTOSH KR
from client side
Delay payment
NAGENDRA KR from client side
Delay payment
NAGENDRA KR from client side
Delay payment
MD HASEEN KHAN from client side
Delay payment
SANTOSH KR
from client side
Delay payment
RAVINDRA KR
from client side
Delay payment
NAGENDRA KR from client side
Delay payment
NAGENDRA KR from client side
Delay payment
SANTOSH KR
from client side
Delay payment
SANTOSH KR
from client side
Delay payment
NAGENDRA KR from client side
Delay payment
NAGENDRA KR from client side
Delay payment
NAGENDRA KR from client side
Delay payment
NAGENDRA KR from client side
PATNA MAIN
SKR
MAUSHAM
SANTOSH KR
PATNA MAIN
SMR
MONI
NAGENDRA KR
PATNA MAIN
SMR
PAYAL
NAGENDRA KR
PATNA MAIN
SMR
RADHIKA
NAGENDRA KR
PATNA MAIN
SKR
SAI BABA
REENA VERMA
PATNA MAIN
SMR
VAISHNAVI
SANTOSH KR
PATNA MAIN
SMR
VERSHA
SANTOSH KR
PATNA MAIN
SKR
DHARKAN
NAGENDRA KR
PATNA MAIN
SKR
DILLAGI
NAGENDRA KR
PATNA MAIN
SMR
GARIB NAWAJ
SANTOSH KR
PATNA MAIN
SMR
KRISHNA
NAGENDRA KR
PATNA MAIN
SKR
SAGAR
REENA VERMA
Delay payment
from client side
Delay payment
from client side
Delay payment
from client side
Delay payment
from client side
Delay payment
from client side
Delay payment
from client side
Delay payment
from client side
Denied payment
due to piplining
Denied payment
due to piplining
Denied payment
due to piplining
Denied payment
due to piplining
Denied payment
due to piplining
PATNA MAIN
SMR
CHAND
REENA VERMA
Omni error
PATNA MAIN
SMR
SUDHA
Omni error
PATNA MAIN
SKR
UNNATI
REENA VERMA
Omni error
PATNA MAIN
SMR
ADARSH
SANTOSH KR
Staff Issue
PATNA MAIN
SMR
ASTHA
SANTOSH KR
Staff issue
PATNA MAIN
PRIYA
SANTOSH KR
Staff issue
Branch
Grp. Kind
Loan cycle
CenterName
FE/CGT/GRT BY Remarks
DANAPUR
SKR
SANTOSH
DANAPUR
SKR
AYUSH
DANAPUR
SMR
UDDAN
DANAPUR
SKR
NAV NIRMAN
DANAPUR
SMR
KHAWAJA BABA
DANAPUR
SMR
RAJA BABU
ANIL/ANIL/ASLAM
Death case
DANAPUR
SMR
RAM RAHIM-2
Death case
DANAPUR
SMR
SHUBHAM
ANIL/ANIL/ASLAM
Death case
DANAPUR
SMR
SURAJ
DANAPUR
SKR
RADHE RADHE
DANAPUR
SKR
PANCH MUKHI
DANAPUR
SMR
SANTOSHI MAA
DANAPUR
SKR
SANTOSH
DANAPUR
SKR
B.P.L
AJEET/--/REENA
Death case
DHIRAJ/DHIRAJ/REE Death case, unity
NA
in community
SATEYNDRA/SAT./A Delay payment
SLAM
from client side
RAKESH/RAKESH/R
EENA
Insurance case
DHIRAJ/DHIRAJ/REE
NA
Left home
Local posting of F.E
due to which late
payment, no
proper follow up
DANAPUR
SMR
DEVI MAA
Omni error
DANAPUR
SMR
GAYATRI
DANAPUR
SKR
KRISHNA
DANAPUR
SKR
KRISHNA JI
Omni error
SATEYNDRA/SAT./A
SLAM
Omni error
SUDAMA/SUSHMA/
REENA
Omni error
DANAPUR
SMR
MAA DURGA
DANAPUR
SMR
PUJA
DANAPUR
SMR
SANGAM
DANAPUR
SMR
VISHNU
DANAPUR
SKR
ASHOKA
DANAPUR
SMR
ANURADHA
DANAPUR
SMR
JAY MATA DI
DANAPUR
SMR
PRINCE
DANAPUR
SMR
MUSKAN
DANAPUR
SKR
VIKASH
Omni error
DHIRAJ/DHIRAJ/REE
NA
Omni error
AJEET/AJEET/ASLA
M
Omni error
RAKESH/RAKESH/R
EENA
Omni error
Pipelining, client
ran away
Pipelining, staff
casualty, personal
relation
Pipelining, staff
casualty, personal
relation
Pipelining, staff
KUNAL/SUSHMA/AS casualty, personal
LAM
relation
SUDAMA/SUSHMA/
REENA
Piplining
DHIRAJ/DHIRAJ/REE
NA
Piplining
DANAPUR
SMR
USHA