Repayment Information System

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Repayment Information System

• Manju Mary George

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RIS the concept

• Hypothesis
• monitoring can ensure steady growth of enterprise
  and repayment
• repayment is better than recovery
• participatory monitoring is better than top down
  monitoring
• poor lack access to good quality, cost effective
  timely credit

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RIS In Practice

• A monitoring system
• Field level information for decision-making
  levels
• Increased confidence of bankers free flow of
  credit
• Assessment of performance
• Goal setting
• Problem identification and solution
• Identification of opportunities
•  

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RIS- Stakeholders

• Kudumbashree
• - CDS, DMC, RD, HO
• Banks
• Academicians, researchers

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CDS-requirement of RIS

• Monitoring of sanctioning of credit
• Helps to avoid time lag in sanctioning
• Full utilisation of loans
• Avoid misutilisation of subsidy
• Provide status of SJSRY
• Helps to assess the support of bankers
• Easy problem identification and rectification

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DMC,RD- Requirement of RIS

• Performance across ULBs in the district or
  region.
• Performance of various activities
• Comparison of various banks and branches
• Rectification of banking related problems
• Helps to improve the role of advocacy

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HO- Requirement of RIS

• Status of SJSRY across the state and comparison
• Monitoring of performance of micro enterprises
• Provides an early warning system
• Better scope for intervening in banking issues
• Production and marketing related analysis
• Entrepreneurial and enterprise characteristics
• Identification of opportunities for new
  interventions
• Bringing professionalism in credit monitoring
  through voluntary participation.
• Creation of database

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• Banks
• Better option for monitoring
• A professional feed back for rectification of
  defects
• Better opportunity for credit delivery
• Reduction of NPA
• Better client relationship
• Academicians
• System working
• Performance of Kudumbashree initiative
• Better insight to the problems of the poor

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PARAMETERS

• Quality
• Relevance
• Timeliness
• Sufficiency
• Completeness

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Relevance

• Ideal
• Information consistent with level
• Screening or filtering upwards
• Provision for aggregation
• Current
• Raw data collected at head office
• Reports, analysis absent

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• Shortfalls
• Needs proper requirement analysis, planning for
  three levels
•  
• New system
• Information to all levels
• Relevant reports for three levels
• Drill down facility

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Timeliness

• Ideal Regular, monthly
• Current
•   

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• Shortfalls
• Lack of continuity
• Volunteer selection
• Remuneration
• Unfamiliarity with computers
• Unclear chain of command
• Lack of monitoring, compliance mechanism
• Suggestions
• Selection, exclusive volunteer, training,
  variable pay, reviews, fixed dates

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Sufficiency

• Ideal
• Data sufficient for output, queries
• Ensure good quality credit
• Current
• Gives general details of applicants, loans

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• Shortfalls
• Information heads missing
• Unfilled columns
• Irrelevant information
• New
• Check on lending practices
• Added heads
• Mandatory provision
• Awareness creation volunteers, Banks,CDS,
  POCO, Other team members

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Organisational Impact

• Vision
• - positive
• Structure
• - No change in formal, authority
• Decision making
• - Easier, effective, more at all levels
• Operations
• - Smooth, speedy

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Thank You