Abstract

http://ssrn.com/abstract=1562606
 


 



Risks and Challenges in Individual Lending for Indian Micro-Finance Institutions


T.V.S. Ravi Kumar


affiliation not provided to SSRN

Venkata N.A.


affiliation not provided to SSRN

Sandeep Panikkal


MicroSave

February 2010

MicroSave India Focus Note 34

Abstract:     
Many Indian microfinance institutions (MFIs) introduced the individual lending (IL) methodology as a natural progression from the group lending methodology. The lure of "big ticket" loans and higher profitability is attracting growth oriented MFIs to aggressively push for IL without considering the inherent risks. IL has its own idiosyncratic needs like cash flow based lending; analysing business needs and risks; bringing flexibility in product features; building staff capacities and processes that must be followed for successful implementation. This India Focus Notes (IFN) examines these issues and makes recommendations for MFIs considering individual lending.

Number of Pages in PDF File: 2

Keywords: Microfinance, Risks, Individual Lending, India

JEL Classification: R

working papers series


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Date posted: March 6, 2010  

Suggested Citation

Ravi Kumar, T.V.S. and N.A., Venkata and Panikkal, Sandeep, Risks and Challenges in Individual Lending for Indian Micro-Finance Institutions (February 2010). MicroSave India Focus Note 34. Available at SSRN: http://ssrn.com/abstract=1562606 or http://dx.doi.org/10.2139/ssrn.1562606

Contact Information

T.V.S. Ravi Kumar
affiliation not provided to SSRN
Venkata N.A.
affiliation not provided to SSRN
Sandeep Panikkal (Contact Author)
MicroSave ( email )
B-52, Mahanagar Extension
Kapoorthala
Lucknow
India
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