| 1 |
Interest rate Study of assisted MFIs |
2011 |
The study was assigned to carry out a detailed analysis of interest rates, costs
and margins and product pricing of SIDBI assisted microfinance institutions.
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| 2 |
Study on Responsible Microfinance |
2013 |
The study was assigned with focus on impact of ‘responsible lending practices’
adopted by MFIs in their functioning. Apart from studying the MFI practices, the
study has also identified broad gaps and suggested remedial action plan to
bridge those gaps. The Study has documented the complement of credit plus
activities being undertaken by MFIs and laid out a road map for the future. |
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| 3 |
Viability Gap Study |
2013 |
The Report highlighted the challenges in terms of viability and sustainability
of operations of MFIs, viz., cost of source of funds from banks and equity
investments, the cost of operations and margins capped by regulation resulting
in reduced sustainability of operations, skilled manpower and risk management
frameworks and legal structure of the microfinance institutions (MFIs). |
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| 4 |
Study on Human Resource management in MFIs |
2013 |
The assignment was for preparing a Report on Human Resource Management Practices
in Indian MFIs. In the current scenario when emphasis is laid on Client
Protection Principles and Responsible Lending Practices, it is essential for the
MFIs to have a suitably sensitised and trained HR. |
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| 5 |
Performance of Model for lending to Individuals in Microfinance Sector |
2017 |
The objectives of the study was to understand:
the needs and reason for preference of individual/joint liability loan product
by clients who have taken individual liability loans.
the household consumption, income and other aspects of clients who are in the
third or fourth cycle of joint liability loans. Clients in the third or fourth
cycle of their loans are considered mature clients and eligible to be offered
individual liability loan products by MFIs.
the reasons for non-take-up of individual liability loan products by customers
who have been offered the same.
the finance and borrowing needs and sources of small entrepreneurs who have
never borrowed from an MFI.
To understand the reasons for default among individual liability loan customers.
the MFI's perspective in terms of introduction and growth of IL products as well
as barriers faced.
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| 6 |
Cash Flow estimation for Responsible Lending |
2017 |
The objectives of the study was to develop a robust cash flow analysis tool to
help in estimating an optimal loan: income ratio for the client/client
household. The study also suggested on the tools and procedures that can assist
in determining the credit eligibility of the client and scope to have training
for client on financial management. |
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| 7 |
Study on adoption of Cash Lite Models among MFIs in India |
2017 |
The objective the study was conducted to understand and assess the strategic
models adopted/piloted by various players to allow for cash-lite
processes/operations. The study also highlight the pros and cons of various
cash-lite models and suggested measures to accelerate adoption of cash-lite
operations among MFIs in India. |
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| 8 |
Study on Informal Sector Lending Practices in India |
2018 |
The objectives of the study was to understand:
- The various sources of finance for microenterprises and micro
entrepreneurs
- The difficulties in accessing the credit from different sources.
- The reasons for persistence of overall inadequacy of credit to
micro-enterprises.
- The role of informal credit sources including moneylenders, relatives,
traders, etc in meeting the credit requirements of the micro
entrepreneurs.
- The size of various formal/informal credit market.
- Assess the extent to which alternative channels such as NBFCs, MFIs, BCs
and SHGs are meeting the credit requirements of microenterprises and the
possibility of enhancing their role.
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