In this video series-3, delving deep into Joint Liability Group Lending Process Kabir Kumar Microfinance Analyst, CGAP introduces Loan Origination Process and Group Recognition Test (GRT) Process as applied by Spandana, one of the leading MFIs of India. At this stage the field officer collects ID proof and address proof and then loan application form is filled and dully signed by the whole group. Further, the loan is granted once the group clears the GRT in the presence of branch manager. If any member misses the GRT the meeting gets re-scheduled.

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