Microfinance

Sa-Dhan initiates dialogue among Uttar Pradesh based MFI's

Micro finance Institutions from Uttar Pradesh initiated an internal discussion among themselves raising concern over the mail from the Chair of Sa-Dhan regarding the recent developments in Andhra Pradesh and other places.

The discussion was led by members including TMN, NEED, Sonata, Jaago, BMC and others. The objective of the discussion was to debate over such concerns and to prevent similar incidents taking place in the state of Uttar Pradesh. It is a healthy sign that members from Uttar Pradesh are concerned on the above subject and self initiated dialogue to take corrective measures. It was proposed that Sa-Dhan initiate the dialogue with a teleconference on 25 June at 5 PM with the concerned members from UP to discuss the issue.sa-dhan microfinance

The agenda items were as follows.

1. As the whole issue of sector reputation is arising out of high growth rate and competition Sa-Dhan is increasingly focusing on the area of Code of Conduct implementation and its compliance by the member organizations. How can the Sa-Dhan Code of Conduct help in addressing the concerns raised ?

2. How can the members from UP set an example in adoption, implementation and compliance to the SaDhan code of conduct ?

3. What other commonality (besides code of conduct) the members from Uttar Pradesh can develop and follow to build the goodwill of the sector and also to safeguard their portfolio ?

Discussion:

The Code of Conduct work in Sa-Dhan was introduced to the members. It was mentioned that the existing code developed two years ago and has been revised to cover the experiences of the sector that have changed so dramatically in the last two years.

It was shared that Sa-Dhan is serious about implementation and compliance of the code by its members. Along with the revised code, the process of implementation, its monitoring and reporting, grievance redressal mechanism etc. have also been developed to give it a complete and structured shape. The monitoring of its compliance can be done by peer review and/or by hiring independent agencies.

It was expressed that some of the MFIs and their staff are not showing seriousness in implementing the code. Usage of the code should be highlighted to the members and made public, it was added.

It was also highlighted that there is need for a local forum that can initiate and continue the dialogue at the state level on all such issues and it was proposed that TMN (Trust Microfin Network) can perhaps take the lead. It was shared that Sa-Dhan is in the process of establishing regional chapters, the first on is being inaugurated on 2nd of July in Orissa and the West Bengal Chapter is in offing.

It was discussed that the issue of multiple lending and the extent of multiple lending has been a matter of concern for the whole sector. Some borrowers are heavily burdened with loan repayment and paying the MFIs in turn which is neither good for the sector nor for the borrowers. It was desired that the big MFIs should participate in all future discussion on such common issues and senior representatives of the MFIsfrom outside the state should be informed to participate in the discussion. Citing the violation of Code of Conduct that create the incidents of competition, multiple and over lending, unethical practices it was desired that senior representative who can take decision for the MFI should be involved in all such discussions.

The Sa-Dhan code contains the minimal requirements (as per RBI fair practices Code) and members of SaDhan should follow it. Compliance to Code of Conduct will be reported periodically to the Government and other stakeholders. The Reserve Bank of India appreciated the efforts highly and extended all its support to implement the code. The idea was also well received by the Ministry of Finance, NABARD.

Support has been sought from various stakeholders to make the code implementation a success, it was added. Sa-Dhan would translate the code into regional languages as required. It was also mentioned that the CEOs of the other state MFIs will be informed by Sa-Dhan to participate/nominate in the meetings, and discussion of the local forum.

A point person in Sa-Dhan would be available for the members to respond to any query, clarification or support, it was added. It was decided to continue the dialogue with teleconferences and local meetings and also to share the discussion with wider constituency.

Core Values and Voluntary Mutual Code of Conduct for Microfinance Insititutions at the Sa-Dhan Website
http://www.sa-dhan.net/Resources/corevalues.pdf

Abhay N

Author : 

Abhay is the founder and managing editor of India Microfinance. He is passionate about microfinance, financial inclusion and social entrepreneurship in India.

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1 Comment

1 Comment

  1. Balmukund Meghwal

    July 2, 2010 at 2:37 pm

    CURRICULUM VITEA

    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640
    balmukand208@gmail.com

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    Shree Hari Fintrade PVT. LTD./ Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE

    [BALMUKUND MEGHWAL]CURRICULUM VITEA

    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640
    balmukand208@gmail.com

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    Shree Hari Fintrade PVT. LTD./ Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE

    [BALMUKUND MEGHWAL]CURRICULUM VITEA

    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640
    balmukand208@gmail.com

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    Shree Hari Fintrade PVT. LTD./ Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE

    [BALMUKUND MEGHWAL]CURRICULUM VITEA

    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640
    balmukand208@gmail.com

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    Shree Hari Fintrade PVT. LTD./ Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE

    [BALMUKUND MEGHWAL]CURRICULUM VITEA

    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640
    balmukand208@gmail.com

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    Shree Hari Fintrade PVT. LTD./ Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE

    [BALMUKUND MEGHWAL]CURRICULUM VITEA

    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640
    balmukand208@gmail.com

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    Shree Hari Fintrade PVT. LTD./ Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE

    [BALMUKUND MEGHWAL]CURRICULUM VITEA

    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640
    balmukand208@gmail.com

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE
    BALMUKUND MEGHWAL

    CURRICULUM VITEA
    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    ./ Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE

    [BALMUKUND MEGHWAL]CURRICULUM VITEA

    ADDRESS: Hanotiya Raymal jhalawar
    (Raj.) Pin Code No:.326513
    Contact No.:9468737640
    balmukand208@gmail.com

    BALMUKUND MEGHWAL

    CAREER OBJECTIVE:

    To work with a challenging and stimulating environment with opportunites to entice
    my knowledge and skill which in contributing to growth of the organization.

    EDUCATION QUALIFICATION :

    Ø 10th Passed from Board of Secondary Education Rajasthan. in the year of 2002
    Ø 12th Passed from Board of Secondary Education Rajasthan. in the year of 2005

    COMPUTER SKILLS:

    Basic Computer knowledge, Internet,

    WORK EXPERIENCE:

    1. Old work in sks micro Finance company in 6 month 2.Presently working as a .SR. F.C.O in Urban Micro Finance Company [Shree Hari Fin trade Pvt. Ltd] / [Sahayata Micro Finance Pvt.Ltd.] since 31July.2008 to till date.

    COMPANY PROFILE:

    Shree Hari Fintrade PVT. LTD./ Sahayata Micro Finance Pvt.Ltd. Udaipur.
    This Company,s Brand Name is SAHAYATA. And SAHAYATA,s Main work
    Micro Finance. SAHAYATA is doing work with only womens in all Rajasthan.
    And now SAHAYATA is Going Other states . SAHAYATA Has a Self Software
    on Line in all Branches.
    JOB RESPONSIBILITIES:

    1- All Responsibilities of My Field.
    2- Administration management Of Branch.
    3- Achieve the Target of Branch.
    4- Full Responsibility of branch collection amount and Disbursement amount.
    5- Field CGT Meeting and Center Collection Meeting.
    6- And Full Responsibility of All Center Meeting. .

    STRENGTH:

    Good Communication skills
    Easily adaptable to change
    Versatile yet committed to get job done to utmost.
    Good working stamina
    Quick decision Making

    PERSONAL PROFILE:

    Father’s Name : Shri Badri lal

    Date of Birth : 3 July 1984

    Marital Status : Married

    Nationality : Indian

    Language Known : Hindi, English & Native language

    Hobbies : Gardening & Interacting with people

    DECLERATION:

    I Here by Conform that all above information is correct to best in my knowledge.

    Date ; 12

    Place: jhalawar

    SIGNATURE

    [BALMUKUND MEGHWAL]

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