- Branch operational area limits to 20 km radius to enhance faster operational process
- Participatory Wealth Ranking (PWR) adopt as entry strategy to new villages and also identify poor section of community
- Adopt Progress out of Poverty Indicator (PPI) to exclude non-poor and also to identify ultra-poor families in the community
- Branch Manager should attend first group meetings with Loan officer and explain lending, recovery and delinquency management process adopted by CBLM
- If client wish to obtain services, loan application issues to such client at group meeting and loan application accept in follow up group meeting
- Comprehensive loan feasibility process adopt by branch staff to ensure optimum loan product and size offer to match client requirement
- Credit Score Card ( CSC) develop to decide loan size to minimize the credit risk and over indebtedness
- Group leader’s recommendation is compulsory for any loan and two group members also need as guarantors.
- Livelihood development services needed for clients identify in the loan feasibility process
- Six credit risk management tools adopt to minimize or avoid credit risk
- Loan disbursement period should be a week after accepting loan application from clients
- Client should attend loan disbursement meeting at branch office where Branch Manager provide all information, explanation of loan limits, fees and loan recovery process
- Loan recoveries are based on monthly group meetings which facilitate by group leader
- Best performed clients and group leaders rewarded end of each year with gifts and appreciations
- Selected Group Leaders send for foreign training as an appreciation of their services