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		<loc>https://www.microsave.net/2008/03/10/microfinance-in-bangladesh-grameen-bank/</loc>
		<lastmod>2026-10-21T11:27:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/03/11/what-does-competition-mean-for-indian-mfis-2/</loc>
		<lastmod>2026-10-21T11:42:25+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2015/09/IFN123.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2008/03/17/microfinance-in-bangladesh-brac/</loc>
		<lastmod>2026-10-21T11:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/03/24/equity-bank-employees-market-led-success-equity-bank-kenya/</loc>
		<lastmod>2026-10-21T11:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/03/31/individual-lendingil-biashara-imara-flagship-microfinance-product-of-equity-bank-kenya/</loc>
		<lastmod>2026-10-21T11:45:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/04/04/microsave-project-completion-report/</loc>
		<lastmod>2026-10-21T11:46:50+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2008/04/Untitled-1-1.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2008/04/07/individual-lending-product-features-equity-bank/</loc>
		<lastmod>2026-10-21T11:47:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/04/07/microfinance-challenges-and-response/</loc>
		<lastmod>2026-10-21T11:49:55+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2008/04/DSC00070.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2008/04/15/lending-cycle-new-customer-identification-filter/</loc>
		<lastmod>2026-10-21T11:50:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/04/28/loan-appraisal-home-visit/</loc>
		<lastmod>2026-10-21T11:57:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/05/19/loan-appraisal-tricks-of-the-trade-part-3/</loc>
		<lastmod>2026-10-21T11:58:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/05/26/lending-cycle-credit-committee/</loc>
		<lastmod>2026-10-21T11:59:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/05/28/loan-analysis-tricks-of-the-trade-part-2/</loc>
		<lastmod>2026-10-21T12:00:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/06/01/improving-mis-in-indian-mfis-an-assessment-with-suggestions-for-active-engagement/</loc>
		<lastmod>2026-10-21T12:12:41+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2008/06/MFI-India_MSC.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/06/02/loan-approval-larger-loans/</loc>
		<lastmod>2026-10-21T12:14:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/06/07/steps-of-managing-loan-delinquency/</loc>
		<lastmod>2026-10-21T12:17:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/06/09/lending-cycle-processing-the-documents-and-disbursement/</loc>
		<lastmod>2026-10-21T12:19:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/06/16/individual-lending-effective-monitoring-practices/</loc>
		<lastmod>2026-10-21T12:21:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/06/23/an-effective-monitoring-visit-part-1/</loc>
		<lastmod>2026-10-21T12:22:51+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/06/30/an-effective-monitoring-visit-part-2/</loc>
		<lastmod>2026-10-21T12:23:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/07/14/problem-loans-part-1/</loc>
		<lastmod>2026-10-21T12:24:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/07/21/problem-loans-part-2/</loc>
		<lastmod>2026-10-21T12:28:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/08/04/who-is-a-good-client/</loc>
		<lastmod>2026-10-21T12:29:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/08/11/safety-net-for-the-poor-brac-bangladesh/</loc>
		<lastmod>2026-10-21T12:30:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/08/18/mobile-banking/</loc>
		<lastmod>2026-10-22T05:59:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/08/19/shorecap-exchange-leveraging-human-capital-for-performance-and-growth/</loc>
		<lastmod>2026-10-22T06:02:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/09/02/brac-approach-to-microfinance/</loc>
		<lastmod>2026-10-22T06:04:29+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/09/03/cost-and-benefits-of-market-research-for-product-development/</loc>
		<lastmod>2026-10-22T06:06:18+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2008/09/BN64.1.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/09/10/costs-and-benefits-of-pilot-testing-for-product-development/</loc>
		<lastmod>2026-10-22T06:07:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2008/09/BN65.1.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/09/15/staff-incentive-schemes/</loc>
		<lastmod>2026-10-22T06:09:14+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/09/19/capacity-building-needs-and-challenges-in-india-2/</loc>
		<lastmod>2026-10-22T06:13:13+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2007/04/IFN_0032_IFN_113-2.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/09/19/pos-vs-mobile-phone-as-a-channel-for-m-banking/</loc>
		<lastmod>2026-10-22T06:16:09+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2008/09/BN66.1.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/09/22/mis-in-mfis/</loc>
		<lastmod>2026-10-22T06:17:19+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/09/28/corporation-credit-risk-management/</loc>
		<lastmod>2026-10-22T06:18:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/10/03/choosing-a-mobile-phone-banking-format/</loc>
		<lastmod>2026-10-22T06:19:58+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2008/10/BN67.1.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/10/05/bullock-cart-workers-development-association-bwda-finance-limited-leveraging-partnerships-for-growth/</loc>
		<lastmod>2026-10-22T06:21:24+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/10/08/risk-management-credit-scoring-part-1/</loc>
		<lastmod>2026-10-22T06:22:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/10/13/risk-management-credit-scoring-part-2/</loc>
		<lastmod>2026-10-22T06:24:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/10/13/risk-management-credit-scoring-part-3/</loc>
		<lastmod>2026-10-22T06:28:23+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/10/15/the-role-of-partnerships-and-strategic-alliances-to-promote-mobile-phone-banking-at-the-bottom-of-the-pyramid/</loc>
		<lastmod>2026-10-22T06:31:59+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/10/27/credit-administration-and-credit-controls/</loc>
		<lastmod>2026-10-22T06:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/11/03/incentivising-3rd-party-agents-for-m-banking/</loc>
		<lastmod>2026-10-22T06:43:55+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2008/11/BN69.1.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/11/03/institutional-risks/</loc>
		<lastmod>2026-10-22T06:44:50+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/11/11/mobile-banking-part-1/</loc>
		<lastmod>2026-10-22T06:46:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/11/17/mobile-banking-part-2/</loc>
		<lastmod>2026-10-22T06:47:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/11/25/mobile-banking-part-3/</loc>
		<lastmod>2026-10-22T06:49:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2008/12/01/share-microfin-limited-managing-transformation-for-growth/</loc>
		<lastmod>2026-10-22T06:50:21+00:00</lastmod>
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			<image:loc>https://www.microsave.net/wp-content/uploads/2008/12/SHARE-MICROFIN-LIMITED_MSC.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/12/02/creating-a-tipping-point-for-m-banking/</loc>
		<lastmod>2026-10-22T06:51:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2008/12/BN71.2.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/12/15/jlg-lending-training-spandana-india/</loc>
		<lastmod>2026-10-22T06:53:15+00:00</lastmod>
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	<url>
		<loc>https://www.microsave.net/2008/12/22/jlg-loan-origination-process-and-group-recognition-test-process-spandana-india/</loc>
		<lastmod>2026-10-22T06:54:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2008/12/JLG-Loan-Origination-Process.jpg</image:loc>
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	<url>
		<loc>https://www.microsave.net/2008/12/29/jlg-disbursement-process-spandana-india/</loc>
		<lastmod>2026-10-22T06:59:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/01/05/jlg-collection-process-spandana-india/</loc>
		<lastmod>2026-10-22T07:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/01/05/jlg-loan-utilisation-check-process-spandana-india/</loc>
		<lastmod>2026-10-22T07:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/01/12/jlg-delinquency-management-process-spandana-india/</loc>
		<lastmod>2026-10-22T07:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/01/15/are-there-lessons-for-india-from-bangladesh-2/</loc>
		<lastmod>2026-10-22T07:37:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/01/DSC_6497.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2009/01/28/m-banking_wizzit_south_africa/</loc>
		<lastmod>2026-10-22T07:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/02/04/m-banking-xacbank-mongolia/</loc>
		<lastmod>2026-10-22T07:41:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/02/09/m-banking-globe-telecom-philippines/</loc>
		<lastmod>2026-10-22T07:42:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/02/16/m-banking-tameer-pakistan/</loc>
		<lastmod>2026-10-22T07:44:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/02/25/challenges-of-introducing-micro-and-small-enterprise-lending-in-india/</loc>
		<lastmod>2026-10-22T07:49:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/02/DSC_8101.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2009/03/04/creating-a-world-without-poverty-an-excerpt/</loc>
		<lastmod>2026-10-22T08:58:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/03/16/creating-a-world-without-poverty-part-2/</loc>
		<lastmod>2026-10-22T08:59:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/03/24/creating-a-world-without-poverty-part-3/</loc>
		<lastmod>2026-10-22T09:07:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/03/30/creating-a-world-without-poverty-social-business-part-4/</loc>
		<lastmod>2026-10-22T09:08:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/04/03/delinquency-in-self-help-groups/</loc>
		<lastmod>2026-10-22T09:09:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/04/20150527-853A2700-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/04/06/creating-a-world-without-poverty-qa-part-5/</loc>
		<lastmod>2026-10-22T09:14:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/04/13/creating-a-world-without-poverty-qa-part-6/</loc>
		<lastmod>2026-10-22T09:16:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/04/21/internal-audit-and-risk-management-in-mfis/</loc>
		<lastmod>2026-10-22T09:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/04/27/process-mapping/</loc>
		<lastmod>2026-10-22T09:18:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/05/04/lessons-learned-from-microsaves-action-research-programme-2007-2009-delivering-training-and-technical-assistance/</loc>
		<lastmod>2026-10-22T09:19:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/05/2012-02-17-10.40.45.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2009/05/11/lessons-learned-from-microsaves-action-research-programme-2007-2009-market-conditions-for-microfinance-in-india/</loc>
		<lastmod>2026-10-22T09:21:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/05/2012-02-17-10.41.26.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2009/05/18/responsible-finance-why-it-is-timely-now/</loc>
		<lastmod>2026-10-22T09:22:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/05/28/client-protection-campaign-the-role-of-providers/</loc>
		<lastmod>2026-10-22T09:23:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/06/01/client-protection-campaign-the-role-of-funders-and-governments/</loc>
		<lastmod>2026-10-22T09:24:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/06/03/institutional-culture-and-transformation-from-ngos-to-market-led-mfis/</loc>
		<lastmod>2026-10-22T09:27:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/06/DSC_6690.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/06/09/m-pesa-kenya/</loc>
		<lastmod>2026-10-22T09:28:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/08/10/provisioning-for-loan-impairment-in-mfis/</loc>
		<lastmod>2026-10-22T09:29:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/08/DSC_6850.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/08/11/internal-controls-in-small-medium-mfis/</loc>
		<lastmod>2026-10-22T09:30:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/08/BN72.2.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2009/09/14/the-global-financial-crisis-and-indian-microfinance/</loc>
		<lastmod>2026-10-22T09:31:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/09/DSC_7462.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.microsave.net/2009/09/25/making-business-correspondence-work-in-india/</loc>
		<lastmod>2026-10-22T09:37:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/09/20150618-853A4530.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.microsave.net/2009/10/01/managing-agent-networks-to-optimise-e-and-m-banking-systems-part-1/</loc>
		<lastmod>2026-10-22T09:38:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.microsave.net/wp-content/uploads/2009/10/BN73.1.jpg</image:loc>
		</image:image>
	</url>
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