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- Micro Finance – Field Officer
Curriculum
- 22 Sections
- 89 Lessons
- Lifetime
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- Fundamentals of Micro Finance8
- Evolution of Microfinance in India with a Brief History10
- RBI as the Regulatory Authority for Microfinance in India2
- 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
- Loan Pipelining6
- Ghost Loans6
- Code of Conduct6
- Arrear Management in Microfinance3
- Delinquency Management7
- Effective Arrear Follow-up in Microfinance3
- Microfinance Workflow: From Loan Disbursement to Collection8
- Flower Route Planning for Daily Collection in Microfinance5
Understanding Ghost Loans in Microfinance
Ghost loans are non-existent loans that appear on a microfinance institution’s books. These can lead to financial mismanagement and fraud. This tutorial explores what ghost loans are and how to prevent them.
Key Aspects of Ghost Loans:
- Fictitious Loans: Ghost loans are loans that are created on paper but have no real borrowers or transactions associated with them.
- Financial Misrepresentation: They can misrepresent the institution’s financial health, leading to incorrect reporting and decision-making.
- Potential Fraud: Ghost loans can be a result of fraud within the organization, including embezzlement or misappropriation of funds.
