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- Micro Finance – Branch Manager
Curriculum
- 33 Sections
- 155 Lessons
- Lifetime
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- Fundamentals of Micro Finance8
- Evolution of Microfinance in India with a Brief History10
- Self-Help Groups (SHGs)11
- The Journey of Self-Help Groups (SHGs) in India and Present Scenario8
- RBI as the Regulatory Authority for Microfinance in India2
- Sa-Dhan7
- MFIN - Introduction and Brief History7
- Hierarchy of Field Staff in Microfinance Industry11
- Starting a Career as a Trainee Field Officer in Microfinance6
- Understanding Key Terms in Microfinance: Member, Group, Centre, Group Leader, Centre Leader7
- What is a Joint Liability Group (JLG)?2
- How Does a Joint Liability Group (JLG) Operate?2
- Advantages of a Joint Liability Group (JLG)2
- Disadvantages of a Joint Liability Group (JLG)2
- Village Survey8
- Compulsory Group Training (CGT)6
- Group Recognition Test8
- Loan Utilization Check in Microfinance8
- Credit Bureau Reports5
- Loan Pipelining6
- Ghost Loans6
- Code of Conduct6
- Arrear Management in Microfinance3
- Delinquency Management7
- Effective Arrear Follow-up in Microfinance3
- Effective Surprise Center Visits (SCV) in Microfinance4
- Non-Performing Assets (NPA) in Microfinance and RBI Prudential Norms5
- Microfinance Workflow: From Loan Disbursement to Collection8
- Flower Route Planning for Daily Collection in Microfinance5
- Business Correspondent Arrangement in Microfinance Institutions (MFI)10
- On-Book vs. Off-Book Portfolio in Microfinance6
- Co-Lending in Microfinance in India10
- Know Your Customer (KYC) Guidelines5
Asset Classification and Provisioning
RBI classifies assets as Standard, Sub-standard, Doubtful, and Loss assets. Loans overdue by 90 to 180 days require a 50% provision, while loans overdue by more than 180 days require a 100% provision. MFIs must provide at least 1% of their loan book as provisions.
Income Recognition:
MFIs are required to follow the RBI’s guidelines for income recognition. Income should only be recognized when it is actually received.
Restrictions on Lending:
RBI imposes limits on the maximum amount that can be lent to a single borrower and a group to mitigate concentration risk.
Audit and Disclosure:
MFIs must undergo regular audits and maintain transparency in financial reporting.
