In this video series-5 on Joint Liability Group Lending, Kabir Kumar Microfinance Analyst, CGAP introduces Loan Utilisation Check Process of Spandana, India. Through this process, MFIs ensure that the funds are being utilised wisely and in an order to generate additional income. The process also helps in building better relations with clients and helps in their financial education. The business visit is necessary to ensure that the loan amount is used for the said purpose. Here the field officer fills the loan utilisation report and confirms the information gathered with the group leader.