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1. WELCOME

2. What is Microfinance
• “Microfinance is the provision of
financial services to low-income
clients or solidarity lending groups
including consumers and the self-
employed, who traditionally lack
access to banking and related
services.”

3. Features of Microfinance:
• Borrowers are from the low income
group
• Loans are of small amount – micro
loans
• Short duration loans
• Loans are offered without collaterals
• High frequency of repayment
• Loans are generally taken for income
generation purpose

4. Credit Assistant
Credit assistant are the base of the MFI
As we know every big building has a base
and only the strong base can give beautiful
shape to any building.
same as in MFI credit assistant play very
vital role for the Business.
Because CA are, of those employee who are
close to customer.

5. UPPERLEVEL
(CEO,MD,VP AND ALL)
MIDDLE LEVEL
(MANAGER AND OTHER)
LOWER LEVEL
(CREDIT ASSISTANT)

6. Schedule of the credit assistant
Branch
Office
6.00 am to
6:30 am
Evening
Field 4.00 DAY OF Morning
Field
pm to 7.00
pm A CA 6:30 am to
11.00 am
Branch
Office 11.00
am to 2.00
pm

7. . Key activities performed by a CA
• CA Responsible for identifying villages, conducting village surveys, and introductory meetings (along
with the Branch Managers).
1. Responsible for formation of groups (members/borrowers) for the growth of the organisation
2. Responsible for imparting training to prospective borrowers.
3. Responsible for taking the loan application of the members. His recommendation would be the key
input for arriving at a loan decision.
4. To conduct centre meetings as per scheduled time and at a scheduled place.
5. Responsible for sincerely carrying out, all the responsibilities allocated to him/her by the Branch
Manager or Head Office from time to time.
6. Responsible for the cash collected and cash taken for disbursements in the centre meetings, till it is
properly handed over to the Cashier at the Branch office.
7. Responsible for the following documentation/System work at the branch
1. Filling up of centre registers, loan cards, Applications and LD vouchers
2. Entry of recovery, LD and preclosed loan details
3. Submission of cash as per collections with denomination slips, updating DCB, DFS
4. Entering centre wise R&P in SIMS-GL
5. Update operations register, Movement Register, TA Book on a daily basis
8. Responsible for the publicity of the organization at the village level. Credit assistants should spread
information about all the loan products of the Organisation to the people.
9. Responsible for training new staff who get allocated to him/her, as a part of the training program.

8. • Delinquency Management: In case of delinquency /
default, CA has to manage the situation diplomatically
without hurting the feelings of borrowers. He should
motivate other group members to help the delinquent
client as promised at the time of loan disbursement.
CA should inform the BM well in time and seek his
support as required. CA should not become impatient
and shout at the borrowers. He should not leave the
slum / village without recovery. CA as demanded by the
situation, should wait until the group collectively
manage to repay the installment. If the CA knows that
a loan would fall delinquent, he should go and meet
the client one day before the centre meeting and
motivate her to repay loan on time. If the delinquent
borrower has some genuine reason to delay / default
the repayment, CA should discuss with the BM and well
in advance and give her the required support.

9. Dataflow from client level transaction
to monthly reports.
• Filling up of centre registers
• Submission of cash as per collections with
denomination slips, updating DCB, DFS
• Cash book (day to day)
• Operation register – progress
l/d, complete loan, recovery, total old loan, ALR
closing
by BM n check by RM
• General ledger = outstanding, recovery

10. Who fills what?
• Movement = every employee
• Centre Register = CA
• DCB = ca (check by BM)
• DFS = CA (check by BM)
• cashbook = CA or BM
• Operation register = CA or BM
• Acquaintance register (salary detail stamp) by Bm
• Application form = CA (approve by BM)
• Attendance register = by BM
• Auditing remarks register = auditor
• BM activity plan = by BM
• CASH FLOW STATEMENTS (DCB & DFS)
• Cash receipt and payment register=CA OR BM
• Operation register = CA or BM

11. • Members dropout details register = CA or BM
• General ledger (chashier)
• Ca plan (every CA)

12. Points of check /verification
• BM/RM should checks each and every
ALR adjust
DFS
centre visit check
cash check
DCB
ALR adjust register check why happen
movement
members attendance

14. THANK YOU