Questionnaire For Microfinance Institution-Risk Management and Internal Control System (Recovered)

Name of respondant
Age
Educational Attainment
Name of comapny Indicate
BranchtheWhich
period
Designation
internal
by which
control
you
Is your
components
are organisation
working in
is the
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organisation
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Praveen Ku20-40 Post GrduaEquitas Small Finance BT Nagar Assistant manaLess than 5No a) Internal
Akash Jada20-40 Post GrduaSatin creditcare networRajkot RegiRegional Credi Less than 5yes a) Internal
Yugal Kisho20-40 Post GrduaSamunnati Agri trade solPatna AVP Less than 5yes a) Internal
Shubhashis50+ GraduationUtkarsh Small Finance Head offic Consultant Less than 5No a) Internal
Dhananjay 20-40 Post GrduaUtkarsh Small Finance SamastipurAssistant ManaLess than 5No a) Internal
Deepak Bill20-40 Post GrduaPahal Financial ServicesHead Offic Head - AUdit &Less than 5yes a) Internal
Kiran Vish 20-40 Post GrduaSaija finance Pvt ltd Ranchi Branch ManageLess than 5yes a) Internal
Alok 20-40 Post GrduaUtkarsh Small Finance New Delhi Regional Head-Less than 5No Combination
Rahul Kum20-40 Post GrduaBandhan bank ltd Ashiana naAssistant manaLess than 5No a) Internal
Saurabh Si 20-40 Post GrduaSamasta Microfinance LPatna RO Regional ManagLess than 5yes a) Internal
Omprakash20-40 Post GrduaUtkarsh Small Finance Panchkula regional credi Less than 5No d) Monitor
Vikram Ra 20-40 Post GrduaSamasta Microfinance LJaipur RO Senior Audit MLess than 5yes a) Internal
Rahul 40-49 Post GrduaUtkarsh Small Finance Patna DVP Less than 5No a) Internal
ABHISHEK 20-40 Post GrduaUJJIVAN SMALL FINANCARAMBAGCRM Less than 5No a) Internal
Sourabh 20-40 Post GrduaUJJIVAN SMALL FINANCNa Assistant Bran Less than 5No All
SUMIT KHA20-40 Post GrduaUtkarsh Small Finance Varanasi Assistant Bran Less than 5No a) Internal
Vivek kuma20-40 Post GrduaUtkarsh Small Finance Rourkela CRM Less than 5No a) Internal
Saakshi Pr 20-40 Post GrduaUtkarsh Small Finance Central proAssistant ManaLess than 5yes d) Monitor
Ambika Ku20-40 Post GrduaSamasta Microfinance LPatna Ro Executive Less than 5yes a) Internal
Aman kuma20-40 GraduationUtkarsh Small Finance Gaya Credit managerLess than 5No a) Internal
UMANG SI20-40 Post GrduaSamasta Microfinance LMOTIARI DIVISIONAL M Less than 5No d) Monitor
Pushkar S 20-40 Post GrduaBandhan bank ltd Areraj Customer RelatLess than 5No b) Supervis
Mona Ranj20-40 Post GrduaUtkarsh Small Finance Varanasi Credit ManageLess than 5No a) Internal
Rajat Prak 20-40 Post GrduaUtkarsh Small Finance Patna Assistant ManaLess than 5No a) Internal
Rakhi Singh20-40 Post GrduaUJJIVAN SMALL FINANCGaya Assistant ManaLess than 5No a) Internal
Pratyush R20-40 Post GrduaSamasta Microfinance LAssam,TripRegional Credi Less than 5yes a) Internal
Nidhi Kuma20-40 Post GrduaEquitas Small Finance BDelhi Customer servicLess than 5No b) Supervis
Ratneshwar20-40 Post GrduaTaraashna Financial SerJaipur General ManagBetween 5yNo a) Internal
Abhishek 20-40 Post GrduaDakshin Bihar GraminAra Bank Manager Between 5yNo a) Internal
Sheikh Kala20-40 Post GrduaSatya Microcapital Ltd Punjab, HaAsst.Manager In Less than 5yes a) Internal
Akanksha 20-40 Post GrduaEquitas Small Finance BFaridabad Assistant ManaLess than 5No b) Supervis
Jyoti Prusty20-40 Post GrduaUtkarsh Small Finance HO Project Manag Less than 5No d) Monitor
Samar vija 20-40 Post GrduaSamasta Microfinance LAraria Area manager Less than 5yes b) Supervis
Shashank M 20-40 Post GrduaSpandana Sphoorty Finan Banswara Assistant Manag Less than 5yes a) Internal
Ranjan Kum20-40 Post GrduaSvatantra microfin Pvt l Junagarh Risk officeer Less than 5yes a) Internal
Yogesh ku 20-40 Post GrduaVaya finserv Head offic Manager Less than 5yes d) Monitor
Shivendra 20-40 MBA FinanSvatantra microfin Pvt l Shapura-NAuditor Less than 5yes a) Internal
Rahul Raj 20-40 Post GrduaSatya Microcapital Ltd Patna Assistant manaLess than 5yes a) Internal
Rajat Chau20-40 GraduationSamasta Microfinance LChakia BM Less than 5yes c) Informa
Prakash K 20-40 GraduationSamasta Microfinance LChanpatia Bm Less than 5yes b) Supervis
AMIT KUM20-40 Post GrduaSamasta Microfinance LHathua Branch inchargLess than 5yes d) Monitor
Prakash K 20-40 GraduationSamasta Microfinance LChanpatia Bm Less than 5yes b) Supervis
Sahil Kuma20-40 GraduationSamasta Microfinance LMotihari Branch ManageLess than 5yes d) Monitor
Abhisek R 20-40 Post GrduaL&T Financial Services Training Zonal Training Less than 5yes a) Internal
Shashi Kum20-40 GraduationVedika Credit Capital Lt Chapra Manager Less than 5yes d) Monitor
Vridhi Sha 20-40 Post GrduaUJJIVAN SMALL FINANCGaya Assistant ManaLess than 5No a) Internal
Pallavi Sin 20-40 Post GrduaEquitas Small Finance BDelhi Customer RelatLess than 5No a) Internal
Sanjeev Ku20-40 Post GrduaBandhan bank ltd Dalsingh GCustomer RelatLess than 5No a) Internal
Ritu 20-40 Post GrduaSamasta Microfinance LHead Offic Manager Less than 5yes a) Internal
Rahul Shriv20-40 Post GrduaSindhuja microcredit pvtUdaipur Senior managerBetween 5yyes d) Monitor
Mahima Si40-49 GraduationUtkarsh Small Finance Varanasi Assistant ManaLess than 5No a) Internal
KULDEEP P20-40 Post GrduaUtkarsh Small Finance Human ResHR manager Less than 5No a) Internal
Shiva 20-40 Post GrduaUtkarsh Small Finance Gaya Young ProfessioLess than 5No d) Monitor
Mr. Kumar20-40 Post GrduaSvatantra microfin Pvt l Head offic Senior ManageLess than 5yes Risk
Deep Mond20-40 Post GrduaMuthoot Microfin ltd Pakur MML, Relationship ofLess than 5yes d) Monitor
Himal Ver 20-40 Post GrduaSamasta Microfinance LRanchi Divisional ManLess than 5yes a) Internal
Sakshi 20-40 Post GrduaSamasta Microfinance LAhemdabaPlanning manaLess than 5yes b) Supervis
sakshi sinh20-40 Post GrduaJANALAKSHMI SMALL F RANCHI ASSISTANT MALess than 5yes a) Internal
Thakur Kar20-40 GraduationSaija finance Pvt ltd Mansa,PunBranch ManageLess than 5yes d) Monitor
Jugal kisho20-40 Post GrduaJANALAKSHMI SMALL F mumbai assistant manaLess than 5yes d) Monitor
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1 2 1 1 1 Degree of objective Yes No
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2 3 3 3 3 Profitability No Yes
2 2 2 2 2 Return on equity Yes Yes
2 2 2 2 2 Degree of objective Maybe Yes
1 1 1 1 1 Asset Quality Yes No
1 1 1 2 1 Profitability Maybe Yes
3 3 3 3 3 Return on equity Maybe Maybe
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1 3 2 1 2 Better loa Amount ofYes yes 2
1 1 1 1 1 Staff traini Income Yes yes 1
3 3 3 3 3 Encouraginall of the Yes yes 3

3 1 1 5 2 ConservativEducation;Yes yes 1
2 2 2 3 2 Staff traini Income;EduYes yes 2
1 1 1 1 1 Staff traini all of the Maybe may be 1
3 2 2 2 2 ConservativAge;GenderYes yes 1
1 1 1 1 1 ConservativIncome No yes 1
2 3 2 3 3 Staff traini Income;CreYes yes 2
2 3 2 2 1 Better loa Income;Cred Yes yes 1
1 2 1 2 2 Better loa Credit Hist Yes yes 1
2 1 2 2 2 Better loa Amount ofYes yes 2
1 1 3 2 3 ConservativIncome;CreMaybe yes 3
1 2 2 2 2 EncouraginAge;GenderYes yes 1
1 2 2 2 1 Credit sco Amount ofYes yes 1
1 2 3 4 1 Effective i Credit His Yes yes 1
2 4 3 5 4 Staff traini Income;EduYes yes 1
1 3 1 1 3 Effective i Political R Yes yes 1
1 4 1 3 4 Effective i Income Yes yes 1
3 1 3 4 2 Effective i Education;Yes may be 3
1 2 1 1 1 Effective i Age;IncomeYes yes 1
3 5 5 4 4 Credit sco Credit Hist Yes yes 5
Ofcourse
it is ! Due
to this
pandemic
situation
is worst
than we
ntrol
ernal
Ifthink
risks
system?
control
due
are to
controlled
(1-
the
system?
Very
pandemic
great
(1-
thenVery
extent,
the
yourgreat
company
organisation
2-extent,
Great
grows extent,
2-will
think, Great
smoothly
face
as 3-extent,
Moderate
newinissues,
terms
3- Moderate
extent,
of
challenges
profit.
4-extent,
Little
andextent,
4-
risk?
Little
Give
5-extent,
Noyour
extent)
5-
views.
No[Strategic
extent) [Operational
risk] risk]
1 2 yes the MFI
Yes, New business development will take time and slowly business will pick up.
catter the
2 1 yes Yes
client
2 3 yes As the new business are stopped and repayments are delayed. It will impact our liquidity
segment,
1 1 yes having
Yes. To some extent as the borrowers have also facing risk of unemployment.
low
Making
1 1 yes income
sure thator
2 2 yes having
There
sick has been new risk emerged due to pandemic. Uncertainty, loss of jobs & livelihoods, fin
1 3 yes income
people
No
source
get the
1 1 yes Not
through only my organisation but pandemic is going to have its impact across industries and for a
care they
1 1 yes daily
No
need and
1 1 yes wages/
don't
Yes, Because field officers are not able to move in field which reduce JLG and hamper collectio
small
infect
2 2 yes No
shop
others is
2 2 yes keepee,
Yes,
one of it will impact the cash flow cycle of organization.
2 2 yes Street
the
Yes..key
vendor
planks of
1 1 yes Yes
etc..
containin
2 1 yes gYes it will change the dynamics
COVID-
Thus,
19 - butthe
1 1 yes Yes.
new Risk of Bad debts will be there and operational risk
the
1 1 yes Yes ofcourse
challenge
majority
1 1 yes is
Yesthe
of of course
collection
NBFC/MFI
2 2 yes Yes,
in Due to the covid -19 pandemic a lots of clients have no enough money to repay their loa
field,
Employee
1 1 yes Funding
and also
have little will
it be all time low due to risk in advances
2 2 yes would be
YES MFI IS FACING A HUGE SITUATION AND WHICH IN TURN MEMBER IS FACING LOSS OF LIFE
choice
evolution
about
4 1 yes phase
puttingfor in
2 2 no Profit
a shift,Generation
collection
1 1 yes method
Profitablity
even if
and
they some
feel
2 1 yes Yes
changes
unwell.
1 1 yes in
Yes
Employee
2 2 yes traditiona
sYeshave
lcritical
MFI
3 2 yes culture.
problems
2 1 yes Yesthe
on
1 4 yes field..At
Absolutely now the situation is very critical for entire industry. So We are facing lot of problem
the
1 1 yes Return
moment, on assets going to affected
1 1 yes Seniors
Yes
2 1 yes are
leaving no
2 1 no stone
1 1 yes unturned
No
1 1 yes to create
Yes, there are lot of new challenges related with collections.
pressure.
That's
3 3 yes Wrong..
2 3 yes Organisation us facing issues & lot of them only the perfect done credit appraisal can be recov
2 2 yes Yes
1 1 yes Yes
2 1 yes
1 1 yes Ok
2 2 yes Yes,
Yes ias we there are so many challenges in this organisation ,but i can do this .
think
3 1 yes can see
Yes. Many customers with good track record may appear defaulter . There will be huge dema
all the
1 1 yes Isytems,
think we are going to face a good time in future as in coming days most of the people need l
1 2 yes administr
Return On Assets
ation,wor
2 2 yes Overall
k of performance of bank
2 1 yes Credit Risk
labour are
1 1 yes strictly
Yes, moratorium will impact the credit behaviour of the customers.
shut
1 1 yes down.
1 2 yes Profitablity
But we will get affected
1 2 yes are
Well , due to covid -19 , its obvious that any organisation will face challenges to source busine
confidenc
1 1 yes Yes
e to
2 1 yes The issues are for a short span of time.After pandemic the organization who survives will have
bounce
1 1 yes back as
soon as
2 2 yes I think,
we can NBFCs
or have been adversely impacted by this pandemic as most of our customers repa
3 3 yes once all
3 4 yes the
the things
pandemic has hurt the economy all over the globe severely. even financial institutions are
being
1 1 yes normal.
5 4 yes no
ess will pick up.
t will impact our liquidity

employment.
y, loss of jobs & livelihoods, financial constraints have created a new groups of customers who can pay but withholding the cash.
act across industries and for a long time. Things like products, existing policies and the SOP's are going to change post pandemic.
duce JLG and hamper collections.
ough money to repay their loan installment as well as their survival. If Govt. do not help the MFI and also not providing employment to peo
EMBER IS FACING LOSS OF LIFE TOO AND THEY ARE UNABLE TO EARN ANY SOURCE OF INCOME WHICH IS BECOMING MAJOR ISSUE DAY B
o We are facing lot of problems in this scenario.
e credit appraisal can be recovered in these times

t i can do this .
ter . There will be huge demand of loan so proper control will be required.
ays most of the people need loans
ce challenges to source business. Sales is the life blood for any organisation.
nization who survives will have a great opportunity.
as most of our customers repayment capacity has been either lost or heavily impacted. So the next challenge would be collection, proper c
even financial institutions are going to be hurt and news ways are being adopted and further needed to be developed for survival and gro
withholding the cash.
nge post pandemic.
providing employment to people, It will lead to crisis in MFI sector .So Employment and Govt. support both are necessary at this time to r
ECOMING MAJOR ISSUE DAY BY DAY...

e would be collection, proper collection monitoring and PAR.
developed for survival and growth

are necessary at this time to relief from covid -19.
Does the management closely monitor implementation of existing internal control system in your institution?
Count - Column A Does the management closely monitor implementation of existing inter
Column A (empty) Total Result
(empty)
Total Result
How do you examine the performance within your MFIs?
Count - Column H Column H
Column G (empty) Total Result
How do you examine the performance within your MFIs?
(empty)
Total Result
Is there any need for internal control systems within your
Column P
(empty)
Total Result
ernal control systems within your organisation? If yes, why do you think it is needed to institute inter
Count - Column P Column V
(empty)
Total Result
nk it is needed to institute internal control in your organisation?
Count - Column V
At what level risk management and internal control decision in your org
Count - Column AG Column AH
Column AG (empty)
(empty)
Total Result
nd internal control decision in your organization is made
Total Result
Is there any risk management department in your organisation
Column AO Count - Column AO
(empty)
Total Result
Do you think better internal control system helps in reducing the risk faced by the organization
Do you think better internal control system hCount - Do you think better internal control system help
(empty)
Total Result
If risks are controlled then the companys performance increases
Count - Do you think better internal control Column AV
Do you think better internal control system h2 ColumMaybe (empty)
Bandhan bank ltd 1
Count of Name of comapny 1
Dakshin Bihar Gramin Bank 1
Equitas Small Finance Bank 1
Grand Total 1
JANALAKSHMI SMALL FINANCE BANK 1
L&T Financial Services 1
Muthoot Microfin ltd 1
Pahal Financial Services Pvt Ltd 1
Row Labels 1
Saija finance Pvt ltd 1
Samasta Microfinance Limited 1
Samunnati Agri trade solutions pvt Ltd 1
Satin creditcare network Ltd 1
Satya Microcapital Ltd 1
Sindhuja microcredit pvt Ltd 1
Spandana Sphoorty Financial Ltd 1
Svatantra microfin Pvt ltd 1
Taraashna Financial Services Limited 1
UJJIVAN SMALL FINANCE BANK 1
Utkarsh Small Finance Bank 1
Vaya finserv 1
Vedika Credit Capital Ltd 1
(empty)
Total Result 2 1 1 19
impacts of Financial Risks
Count - impacts of Financial Risks
Total Result
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
23
impacts of Operational Risks
impacts of Financial Risks Count - impacts of Financial Risks
(empty)
Total Result
impact of Strategic Risks
Count - impacts of Financial Risks Column BG
impacts of Financial Risks Count - impacts of F(emTotal Result
impacts of Financial Risks 1 1
(empty) 1 1
Total Result 1 1
(empty)
Total Result 1 2 3
Cost effective and most efficient way used in the organisation to lower the risk exposure
Count - Cost effective and most efficient wayColumn CC
Cost effective and most efficient way used in(empty) Total Result
(empty)
Total Result
Which internal control components is used within your
Column CJ
(empty)
Total Result
omponents is used within your organisation most frequently?
Count - Column CJ
Name of comapny Count - Branch
Bandhan bank ltd 3
Vaya finserv 1
Total Result 60
Name of respondantAge Gender Name of
Is your
comapny
organisation NBFC
Praveen Ku20-40 Male Male 46 Equitas SmNo
Akash Jada20-40 Male Female 14 Satin credi yes
Yugal Kisho20-40 Male SamunnatiyesA
Shubhashis50+ Male Utkarsh SmNo
Dhananjay 20-40 Male Utkarsh SmNo
Deepak Bill20-40 Male Pahal Finanyes
Kiran Vish 20-40 Female Saija financyes
Alok 20-40 Male Age 20-40 57 Utkarsh SmNo
Rahul Kum20-40 Male Age 40-49 2 Bandhan baNo
Saurabh Si 20-40 Male Age 50+ 1 Samasta Miyes
Omprakash20-40 Male Utkarsh SmNo
Vikram Ra 20-40 Male Samasta Miyes
Rahul 40-49 Male Utkarsh SmNo
ABHISHEK 20-40 Male UJJIVAN S No
Sourabh 20-40 Male UJJIVAN S No
SUMIT KHA20-40 Male Utkarsh SmNo
Vivek kuma20-40 Male Utkarsh SmNo
Saakshi Pr 20-40 Female Utkarsh Smyes
Ambika Ku20-40 Female Samasta Miyes
Aman kuma20-40 Male Utkarsh SmNo
UMANG SI20-40 Male Samasta MiNo
Pushkar S 20-40 Male Bandhan baNo
Mona Ranj20-40 Female Utkarsh SmNo
Rajat Prak 20-40 Male Utkarsh SmNo
Rakhi Singh20-40 Female UJJIVAN S No
Pratyush R20-40 Male Samasta Miyes
Nidhi Kuma20-40 Female Equitas SmNo
Ratneshwar20-40 Male Taraashna N Fo
Abhishek 20-40 Male Dakshin Bihar
No Gramin Bank
Sheikh Kala20-40 Male Satya Microyes
Akanksha 20-40 Female Equitas SmNo
Jyoti Prusty20-40 Female Utkarsh SmNo
Samar vija 20-40 Male Samasta Miyes
Shashank M 20-40 Male Spandana Syes
Ranjan Kum20-40 Male Svatantra m yes
Yogesh ku 20-40 Male Vaya finseryes
Shivendra 20-40 Male Svatantra m yes
Rahul Raj 20-40 Male Satya Microyes
Rajat Chau20-40 Male Samasta Miyes
Prakash K 20-40 Male Samasta Miyes
AMIT KUM20-40 Male Samasta Miyes
Prakash K 20-40 Male Samasta Miyes
Sahil Kuma20-40 Male Samasta Miyes
Abhisek R 20-40 Male L&T Financiyes
Shashi Kum20-40 Male Vedika Credyes
Vridhi Sha 20-40 Female UJJIVAN S No
Pallavi Sin 20-40 Female Equitas SmNo
Sanjeev Ku20-40 Male Bandhan baNo
Ritu 20-40 Female Samasta Miyes
Rahul Shriv20-40 Male Sindhuja miyes
Mahima Si40-49 Female Utkarsh SmNo
KULDEEP P20-40 Male Utkarsh SmNo
Shiva 20-40 Male Utkarsh SmNo
Mr. Kumar20-40 Male Svatantra m yes
Deep Mond20-40 Male Muthoot Mi yes
Himal Ver 20-40 Male Samasta Miyes
Sakshi 20-40 Female Samasta Miyes
sakshi sinh20-40 Female JANALAKSHyes
Thakur Kar20-40 Male Saija financyes
Jugal kisho20-40 Male JANALAKSHyes
organisation NBFC
Count - Name of comapny Is your organisation NBFC
Name of comapny No yes Total Result
Bandhan bank ltd 3 3
Dakshin Bihar Gramin Bank 1 1
Equitas Small Finance Bank 4 4
JANALAKSHMI SMALL FINANCE BANK 2 2
L&T Financial Services 1 1
Muthoot Microfin ltd 1 1
Pahal Financial Services Pvt Ltd 1 1
Saija finance Pvt ltd 2 2
Samasta Microfinance Limited 1 13 14
Samunnati Agri trade solutions pvt Ltd 1 1
Satin creditcare network Ltd 1 1
Satya Microcapital Ltd 2 2
Sindhuja microcredit pvt Ltd 1 1
Spandana Sphoorty Financial Ltd 1 1
Svatantra microfin Pvt ltd 3 3
Taraashna Financial Services Limited 1 1
UJJIVAN SMALL FINANCE BANK 4 4
Utkarsh Small Finance Bank 14 1 15
Vaya finserv 1 1
Vedika Credit Capital Ltd 1 1
Total Result 28 32 60
Educational Name of comapny
Name of respondant Age
Attainment
Praveen Kumar C 20-40 Post Grduate Equitas Small Finance Bank
Akash Jadav 20-40 Post Grduate Satin creditcare network Ltd

Yugal Kishore Mishra 20-40 Post Grduate Samunnati Agri trade solutions pvt Ltd
Shubhashish Mishra 50+ Graduation Utkarsh Small Finance Bank
Dhananjay Mishra 20-40 Post Grduate Utkarsh Small Finance Bank
Deepak Billa 20-40 Post Grduate Pahal Financial Services Pvt Ltd
Kiran Vishwkarma 20-40 Post Grduate Saija finance Pvt ltd
Alok 20-40 Post Grduate Utkarsh Small Finance Bank
Rahul Kumar 20-40 Post Grduate Bandhan bank ltd
Saurabh Singh 20-40 Post Grduate Samasta Microfinance Limited
Omprakash yadav 20-40 Post Grduate Utkarsh Small Finance Bank
Vikram Rana 20-40 Post Grduate Samasta Microfinance Limited
Rahul 40-49 Post Grduate Utkarsh Small Finance Bank
ABHISHEK KUMAR 20-40 Post Grduate UJJIVAN SMALL FINANCE BANK
Sourabh 20-40 Post Grduate UJJIVAN SMALL FINANCE BANK
SUMIT KHARE 20-40 Post Grduate Utkarsh Small Finance Bank
Vivek kumar 20-40 Post Grduate Utkarsh Small Finance Bank
Saakshi Pradhan 20-40 Post Grduate Utkarsh Small Finance Bank

Ambika Kumar 20-40 Post Grduate Samasta Microfinance Limited
Aman kumar 20-40 Graduation Utkarsh Small Finance Bank
UMANG SINGH 20-40 Post Grduate Samasta Microfinance Limited
Pushkar Som 20-40 Post Grduate Bandhan bank ltd
Mona Ranjan 20-40 Post Grduate Utkarsh Small Finance Bank
Rajat Prakash 20-40 Post Grduate Utkarsh Small Finance Bank
Rakhi Singh 20-40 Post Grduate UJJIVAN SMALL FINANCE BANK
Pratyush Roy 20-40 Post Grduate Samasta Microfinance Limited
Nidhi Kumari 20-40 Post Grduate Equitas Small Finance Bank
Ratneshwar thakur 20-40 Post Grduate Taraashna Financial Services Limited
Abhishek Kumar 20-40 Post Grduate Dakshin Bihar Gramin Bank
Sheikh Kalam Ali 20-40 Post Grduate Satya Microcapital Ltd

Akanksha Kumari 20-40 Post Grduate Equitas Small Finance Bank
Jyoti Prusty 20-40 Post Grduate Utkarsh Small Finance Bank
Samar vijay 20-40 Post Grduate Samasta Microfinance Limited
Shashank Mittal 20-40 Post Grduate Spandana Sphoorty Financial Ltd
Ranjan Kumar sahu 20-40 Post Grduate Svatantra microfin Pvt ltd
Yogesh kumar 20-40 Post Grduate Vaya finserv
Shivendra Shukla 20-40 MBA Finance Svatantra microfin Pvt ltd

Rahul Raj 20-40 Post Grduate Satya Microcapital Ltd
Rajat Chaudhary 20-40 Graduation Samasta Microfinance Limited
Prakash Kumar 20-40 Graduation Samasta Microfinance Limited
AMIT KUMAR 20-40 Post Grduate Samasta Microfinance Limited
Prakash Kumar 20-40 Graduation Samasta Microfinance Limited

Sahil Kumar 20-40 Graduation Samasta Microfinance Limited
Abhisek Roychoudhury 20-40 Post Grduate L&T Financial Services
Shashi Kumar Srivastav 20-40 Graduation Vedika Credit Capital Ltd
Vridhi Sharma 20-40 Post Grduate UJJIVAN SMALL FINANCE BANK
Pallavi Singh 20-40 Post Grduate Equitas Small Finance Bank
Sanjeev Kumar 20-40 Post Grduate Bandhan bank ltd
Ritu 20-40 Post Grduate Samasta Microfinance Limited
Rahul Shrivastava 20-40 Post Grduate Sindhuja microcredit pvt Ltd
Mahima Singh 40-49 Graduation Utkarsh Small Finance Bank
KULDEEP PATHAK 20-40 Post Grduate Utkarsh Small Finance Bank
Shiva 20-40 Post Grduate Utkarsh Small Finance Bank
Mr. Kumar Gaurav 20-40 Post Grduate Svatantra microfin Pvt ltd
Deep Mondal 20-40 Post Grduate Muthoot Microfin ltd

Himal Verma 20-40 Post Grduate Samasta Microfinance Limited
Sakshi 20-40 Post Grduate Samasta Microfinance Limited
sakshi sinha 20-40 Post Grduate JANALAKSHMI SMALL FINANCE BANK
Thakur Karan Singh 20-40 Graduation Saija finance Pvt ltd
Jugal kishor 20-40 Post Grduate JANALAKSHMI SMALL FINANCE BANK
Indicate the period
Is your
by which you are
Branch Designation organisation
working in the NBFC
organisation
T Nagar Assistant manager <5 yrs No
Rajkot Regional
Office Regional Credit and Compliance Manager <5 yrs yes
Patna AVP <5 yrs yes
Head office Consultant <5 yrs No
Samastipur Assistant Manager <5 yrs No
Head Office Head - AUdit & Risk <5 yrs yes
HO Cross sell head <5 yrs yes
New Delhi Regional Head- Credit <5 yrs No
Ashiana nagar Assistant manager <5 yrs No
Patna RO Regional Manager- Credit <5 yrs yes
Panchkula regional credit manager <5 yrs No
Jaipur RO Senior Audit Manager <5 yrs yes
Patna DVP <5 yrs No
ARAMBAGH CRM <5 yrs No
Na Na <5 yrs No
Varanasi Assistant Branch Manager <5 yrs No
Rourkela CRM <5 yrs No
Central processing
center Assistant Manager <5 yrs yes
Patna Ro Executive <5 yrs yes
Gaya Credit manager <5 yrs No
MOTIARI DIVISIONAL MANAGER <5 yrs No
Areraj Customer Relationship Officer <5 yrs No
Varanasi Credit Manager <5 yrs No
Patna Assistant Manager <5 yrs No
Gaya MT <5 yrs No
Assam,Tripura Regional Credit Manager <5 yrs yes
Delhi Customer service officer <5 yrs No
Jaipur General Manager Between 5years- 10years No
Ara Manager Between 5years- 10years No
Punjab, Haryana and

Delhi Asst.Manager Internal Audit and Risk <5 yrs yes
Faridabad Assistant Manager <5 yrs No
HO Project Manager <5 yrs No
Araria Area manager <5 yrs yes
Banswara Assistant Manager- Internal Audit <5 yrs yes
Junagarh Risk officeer <5 yrs yes
Head office
Hyderabad Manager <5 yrs yes
Shapura-Niwas MP Auditor <5 yrs yes

Patna Assistant manager <5 yrs yes
Chakia BM <5 yrs yes
Chanpatia Bm <5 yrs yes
Hathua Branch incharge <5 yrs yes
Chanpatia (7039) Bm <5 yrs yes

Motihari Branch Manager <5 yrs yes
Training Zonal Training Manager <5 yrs yes
Chapra Manager <5 yrs yes
Gaya Assistant Manager <5 yrs No
Delhi Customer Relationship Officer <5 yrs No
Dalsingh Gunj Customer Relationship Officer <5 yrs No
Head Office Manager <5 yrs yes
Udaipur Senior manager Between 5years- 10years yes
Varanasi Assistant Manager <5 yrs No
Human Resource HR manager <5 yrs No
Gaya Young Professional - Financial Inclusion <5 yrs No
Head office-Mumbai Senior Manager <5 yrs yes
Pakur MML,
jharkhand Relationship officer <5 yrs yes
Ranchi Divisional Manager <5 yrs yes
Ahemdabad Planning management <5 yrs yes
RANCHI ASSISTANT MANAGER <5 yrs yes
Mansa,Punjab Branch Manager <5 yrs yes
mumbai assistant manager <5 yrs yes
Is your organisation NBFC Count - Is your organisation NBFC
No 28
yes 32
(empty)
Total Result 60
Name of comapny Count - Name of comapny

Bandhan bank ltd 3

Vaya finserv 1
(empty)
Total Result 60
Indicate the period by which Count - Indicate the period by which you are working in the organisation
<5 yrs 57
Between 5years- 10years 3
(empty)
Total Result 60
Rank the extent to which your organization controls the
environment through internal audit .
Accounting and Management closely Ethical values are upheld
Which internal control financial monitors in all management decision
components is used within
your organisation most management system implementation of
frequently? internal control
systems
a) Internal audit 2 1 1
Combination of Audit, Supervisory Contr 1 1 1
d) Monitoring 2 2 2
All 1 2 1
d) Monitoring 1 1 1
d) Monitoring 2 2 2
b) Supervision 3 2 2
d) Monitoring 1 1 1
d) Monitoring 1 1 2
c) Information 2 2 2
d) Monitoring 2 1 3
d) Monitoring 1 2 2
d) Monitoring 1 1 1
d) Monitoring 1 1 1
d) Monitoring 1 2 2
Risk 1 1 2
d) Monitoring 1 2 1
d) Monitoring 1 1 1
d) Monitoring 4 3 4
Rank the extent to which your organization’s management is involved Rank the extent to which yo
in risk assessment through supervision following con
Management has Management Management has Timely Corrective action
defined identifies risks criteria for evaluation of is taken to address
appropriate that affect ascertainment of risk weakness
objectives for the achievement of fraud-related risks to
organization the objectives the organization
1 1 2 1 2
2 1 1 2 1
1 1 1 1 1
1 1 2 1 1
1 1 2 1 1
1 1 1 1 2
1 1 1 1 1
1 1 1 1 1
1 1 1 1 1
1 1 1 1 1
1 2 1 1 2
3 2 2 2 2
1 1 1 1 1
1 1 1 1 1
2 2 1 2 2
2 1 2 2 1
1 1 1 1 1
1 1 1 1 1
1 2 1 1 1
1 1 1 1 1
2 2 2 2 2
3 4 1 4 2
1 1 2 1 2
2 1 1 2 2
2 1 2 2 2
1 3 2 1 2
2 1 1 1 2
1 1 2 2 2
2 2 1 1 2
4 5 4 4 5
1 1 2 1 1
1 1 1 1 1
2 1 3 1 1
2 1 1 2 2
1 1 1 1 1
1 1 1 1 1
2 2 2 2 5
2 3 3 3 3
2 2 2 2 2
1 1 1 1 1
2 3 2 2 2
1 1 1 1 1
2 2 2 2 3
1 3 1 2 2
1 1 2 1 1
3 3 2 2 1
2 2 1 2 2
1 2 1 2 1
2 2 2 3 1
1 1 1 1 1
2 2 2 1 2
1 1 1 1 1
1 4 1 3 2
1 1 1 1 1
1 3 2 1 1
1 1 1 1 2
3 2 3 2 2
2;4 3 4 3 2
1 1 1 1 2
4 3 4 4 4
Rank the extent to which the following
the extent to which your organization practices the
statements relate to your organization
following control activities
‘information and communication system
Staffs are trained to It is impossible for Management has Communication helps to
implement the one staff to have identified individuals evaluate how well
accounting and access to all valuable who are responsible guidelines and policies of
financial information without for coordinating the the organization are
management system the consent of senior various activities working and being
staff within the entity implemented
1 2 2 1
1 5 1 1
1 1 1 1
2 1 1 1
1 1 1 1
1 1 1 2
1 1 1 1
1 2 1 1
1 1 1 1
1 1 1 1
3 3 2 2
2 2 2 2
1 1 1 2
2 1 2 2
2 1 1 2
1 2 2 2
1 3 1 1
1 1 1 1
1 1 2 1
2 2 1 1
2 2 2 2
3 3 4 2
2 1 1 1
2 2 2 1
2 2 2 2
1 1 1 1
2 2 1 1
1 3 2 1
1 1 2 2
5 3 4 4
2 2 2 1
1 1 1 1
1 2 1 1
2 3 1 1
1 1 1 1
1 2 1 1
3 5 3 3
3 3 2 3
2 2 2 2
1 1 1 1
3 1 1 2
1 1 1 1
2 2 2 2
3 2 3 2
1 2 1 1
2 2 1 2
1 2 1 2
1 2 1 2
2 3 1 1
1 3 1 1
1 2 2 1
1 1 1 1
3 5 2 2
1 1 1 1
1 2 1 1
2 3 1 2
3 3 3 3
2 1 3 3
2 2 1 1
4 5 5 5
Rank the extent to which the following statements relate to your
organization “monitoring procedures
There are independent Internal reviews of Monitoring has
process checks and implementation of helped in assesing the
evaluations of control internal controls in quality of
activities on regular units are conducted performance of the
basis. periodically organisation over time
1 1 1
1 1 1
1 1 1
3 1 1
1 1 1
1 1 1
1 1 1
1 1 1
1 1 1
2 1 1
1 1 1
2 1 3
1 1 1
1 1 1
1 1 1
2 1 2
1 1 1
1 1 1
1 1 1
1 1 1
2 2 2
2 3 4
1 2 2
2 2 1
3 3 2
1 1 1
2 2 3
1 2 1
1 2 1
4 4 2
2 2 1
1 1 1
1 2 3
1 2 2
1 1 1
2 1 1
3 5 3
3 3 3
2 2 2
1 1 1
2 1 1
1 1 1
2 2 1
1 2 2
1 1 1
2 1 2
2 2 1
1 2 1
1 2 2
1 1 1
2 1 2
1 1 1
2 2 2
1 1 1
1 2 1
1 1 1
3 3 3
3 3 2
1 1 1
5 4 4
Rank the extent to which
Percentage
environment th
Which internal control componen
Count - Which internal control compon
a) Internal audit 36 60%
All 1 2%
b) Supervision 7 12% Accounting and

c) Information 1 2% 1
Combination of Audit, Supervisor 1 2% 2
d) Monitoring 13 22% 3
Risk 1 2% 4
(empty) 0% 5
Total Result 60 100% (empty)
Total Result
Management clos
1
2
3
4
5
(empty)
Total Result
Ethical values a
1
2
3
4
5
(empty)
Total Result
Rank the extent to which your organization controls the Rank the extent to which your organization’s manageme
environment through internal audit . involved in risk assessment through supervision
Count - Accounting and financial m Percentage Rank the extent

39 65% 1
14 23% 2
5 8% 3
1 2% 4
1 2% 2;4
0% (empty)
60 100% Total Result
Count - Management closely monitor Percentage Management ident

36 60% 1
18 30% 2
4 7% 3
1 1.67% 4
1 1.67% 5
0% (empty)
Count - Ethical values are upheld in Percentage Management has c

30 50% 1
26 43% 2
2 3% 3
1 2% 4
1 2% (empty)
0% Total Result
60 100%
Timely evaluation
1
2
3
4
(empty)
Total Result
Rank the extent to which your organization’s management is Rank the extent to which your organization practices
involved in risk assessment through supervision control activities
Count - Rank the extent to which your Percentage Rank the extent t
35 58% 1
18 30% 2
4 7% 3
2 3% 4
1 2% 5
0% (empty)
Count - Management identifies risks tha Percentage Staffs are train

35 58% 1
14 23% 2
8 13% 3
2 3% 4
1 2% 5
0% (empty)
Count - Management has criteria for asc Percentage It is impossible

34 57% 1
20 33% 2
3 5% 3
3 5% 5
0% (empty)
Count - Timely evaluation of risk Percentage
35 58%
18 30%
4 7%
3 5%
0%
60 100%
ank the extent to which your organization practices the following Rank the extent to which the following stateme
control activities ‘information and communic
Count - Rank the extent to which your organizPercentage Management has i

30 50% 1
25 42% 2
2 3% 3
1 2% 4
2 3% 5
0% (empty)
Count - Staffs are trained to implement th Percentage Communication he

31 52% 1
19 32% 2
8 13% 3
1 2% 4
1 2% 5
0% (empty)
Count - It is impossible for one staff to have Percentage

23 38%
22 37%
11 18%
4 7%
0%
60 100%
Rank the extent to which the following statements relate to your organization Rank the extent to which the fo
‘information and communication system organization “mo
Count - Management has identified individuals who are Percentage There are indepe
36 60% 1
17 28% 2
4 7% 3
2 3% 4
1 2% 5
0% (empty)
Count - Communication helps to evaluate how well gu Percentage Internal reviews

34 57% 1
20 33% 2
4 7% 3
1 2% 4
1 2% 5
0% (empty)
Monitoring has h
1
2
3
4
(empty)
Total Result
Rank the extent to which the following statements relate to your
organization “monitoring procedures
Count - There are independent process checksPercentage

36 60%
16 27%
6 10%
1 2%
1 2%
0%
60 100%
Count - Internal reviews of implementation o Percentage

35 58%
17 28%
5 8%
2 3%
1 2%
0%
60 100%
Count - Monitoring has helped in assesing th Percentage

39 65%
13 22%
6 10%
2 3%
0%
60 100%
Does the management closely If yes, why do you think it
How do you examine Is there any need for
monitor implementation of is needed to institute
the performance internal control systems
existing internal control internal control in your
within your MFIs? within your organisation?
system in your institution? organisation?
Profitability Yes Yes All of the above

Return on equity Yes No All of the above
Return on asset Yes Maybe

Internal control leads to GROWTH OF THE ORGANISAT
Performance Yes No All of the above
Degree of objective attainment Yes Internal control

Yes brings out financial risk management to protect MFI
Profitability Yes No
Degree of objective attainment Yes Yes All of the above except option 1
Return on asset Yes Yes All of the above
Degree of objective attainment Yes Yes All of the above

Return on equity Yes Internal control
No brings out financial risk management to protect MFI
Degree of objective attainment Yes Yes
Internal control help prevent fraud and any fraudulent atti
Profitability Yes Internal control
Profitability Yes Yes

Degree of objective attainment Yes No As it is already in place

Degree of objective attainment Yes Yes

Degree of objective attainment Yes Maybe All of the above


Return on asset Yes Yes
Profitability Yes Maybe All of the above

Profitability Yes Internal

Yes control leads to GROWTH OF THE ORGANISAT

Customer satisfaction Yes No
Profitability No The MFI is in its embryonic
Yes (initial) phase, so there is need for sound internal
Return on equity Yes Yes All of the above

Return on equity Yes No

Profitability Yes Yes
Degree of objective attainment Maybe Internal
Yes control leads to GROWTH OF THE ORGANISAT
Asset Quality Yes No
Profitability Maybe Internal control
Return on equity Maybe Maybe All of the above
Return on equity No The MFI is in its embryonic

Return on equity Yes No
Profitability Yes The MFI is in its embryonic
Do you think good
Is there any risk
internal control
At what level risk management and internal management
systems increase the
control decision in your organization is made department in your
performance of your
organisation
organization?
Yes At head office level yes

Yes At branch level with the approval of head office yes

Yes At branch level yes

It depends on situation be it branch , HO or
Yes anywhere else yes

Yes At branch level with the approval of head office no






Yes Particular zonal office yes

Yes At head office level no


If yes, who does the risk
management head report
to? How do you exaCount - How do you examine the performance
Asset Quality 1
Customer satisf 1
Risk management head Degree of objec 18
Performance 1
CEO Profitability 27
MD Return on asset 5
MD Return on equit 7
Risk Management
Committee (empty)
CMD Total Result 60

Managing Director and
CEO
Regional operational
manager
MD Does the manage

Count - Does the management closely monitor im
MD Maybe 3
Managing Director No 2
MD Yes 55
MD (empty)
CEO Total Result 60

Head Office
Chief risk manager
H.O.D.
Risk management head
report to MD or board of
directors.
MD
REGARDING FRAUD
AND LOSS OF MONEY
Head Office
Head office
Chief Risk Officer

Area Manager
CEO
Chairman
Cheif Risk Officer (CRO)
Head office
Risk Head
Pintu kumar
CEO
Mr Prasahnat
Kamlakanta Sir
MD
Easily
No
HO
Ho
Fraud related any activity
CEO
CREDIT AND RISK HEAD

Head Office
Head Office
Zonal Office
Managing Director
Higher authority of management
Head office
Chairperson
Internal Auditor
Regional office staff

Manager
Whole Time Director

Percentage
Is there any need for internal c Count - Is there any need for internal Percentage
2% Maybe 11 18%
2% No 11 18%
30% Yes 38 63%
2% (empty)
45% Total Result 60 100%
8%
12%
0% If yes, why do you think it is neeCount - If yes, why do you think it is n Percentage
100% All of the above 29 56%
All of the above except option 1 1 2%
As it is already in place 1 2%
Percentage
Internal control brings out fina 9 17%
5% Internal control help prevent fr 6 12%
3% Internal control leads to GRO 3 6%
92% The MFI is in its embryonic (initi 3 6%
0% (empty)
100% Total Result 52 100%
Do you think good internal cont Count - Do you think good internal conPercentage
Yes 60 100%
(empty)
Total Result 60 100%
At what level risk managementCount - At what level risk managemePercentage
At branch level 7 12%
At branch level with the appro 24 40%
At head office level 27 45%
It depends on situation be it 1 2%
Particular zonal office 1 2%
(empty)
Percentage
Is there any risk management Count - Is there any risk manageme
no 2 3%
yes 58 97%
(empty)
If yes, who does the risk man Count - If yes, who does the risk Percentage
Area Manager 1 2%
CEO 5 10%
Chairman 1 2%
Chairperson 1 2%
Cheif Risk Officer (CRO) 1 2%

Chief risk manager 1 2%
Chief Risk Officer 1 2%
CMD 1 2%
CREDIT AND RISK HEAD 1 2%
Easily 1 2%
Fraud related any activity 1 2%
H.O.D. 1 2%
Head Office 1 2%
Higher authority of manageme 1 2%
HO 2 4%
Internal Auditor 1 2%
Kamlakanta Sir 1 2%
Manager 1 2%
Managing Director 2 4%
Managing Director and CEO 1 2%
MD 7 13%
MD 1 2%
Mr Prasahnat 1 2%
No 1 2%
Pintu kumar 1 2%
REGARDING FRAUD AND LOSS 1 2%
Regional office staff 1 2%

Regional operational manager 1 2%
Risk Head 1 2%
Risk Management Committee 1 2%
Risk management head 1 2%

Risk management head report t 1 2%
Whole Time Director 1 2%
Zonal Office 1 2%
(empty) 0%
Head office 6
Measures of financial
To what extent Financial Delinquency is understood

Risks impacts most to your Well-designed borrower and addressed promptly to
organisation? screening, careful loan avoid its rapid spread and
structuring, close monitoring potential for significant
loss.
1 1 2
1 1 1
1 1 1
1 2 1
1 1 2
2 1 1
1 1 1
1 1 1
1 1 1
2 1 1
1 1 2
3 2 2
1 2 1
1 1 1
3 1 1
1 2 1
1 1 1
1 1 1
3 1 1
1 1 2
3 3 2
1 2 4
2 1 1
2 1 2
1 1 2
1 1 1
1 2 1
1 1 1
1 1 2
2 2 4
1 2 1
1 1 1
1 1 1
1 2 2
1 1 1
1 1 1
3 5 5
1 3 1
2 2 2
1 1 1
2 2 1
1 1 1
1 2 3
1 2 2
1 1 1
1 1 2
1 1 2
1 2 1
4 2 2
1 1 1
1 1 2
1 1 1
3 4 4
2 1 2
1 1 1
1 1 2
3 3 2
1 2 3
1 1 1
3 5 4
Measures of financial risk
A routine process for comparing Maintaining detailed estimates

concentrations of credit risk with of projected cash inflows and
Strict organizational
the adequacy of loan loss outflows for the next few
control over loan
reserves and detecting patterns weeks or months so that net
transactions
(e.g., by loan product, by branch, cash requirements can be
etc.). identified.
3 1 1
1 1 2
1 1 1
1 1 1
1 1 1
2 1 1
1 1 1
1 1 1
1 1 1
1 1 1
2 2 2
2 2 2
2 2 1
1 1 1
1 1 1
2 1 1
1 1 1
1 1 1
2 1 1
1 1 1
2 2 2
3 2 3
2 2 1
2 1 2
2 2 2
1 1 1
2 1 2
2 2 1
1 2 1
4 5 4
2 2 1
1 1 1
1 1 1
2 1 1
1 1 1
1 1 1
5 4 5
3 3 3
2 2 2
1 1 1
2 1 2
1 1 1
2 1 1
1 3 2
1 1 1
2 2 1
1 1 2
2 3 2
1 2 2
1 1 1
2 1 2
1 1 1
3 3 3
1 1 1
1 1 2
2 1 1
2 3 3
3 3 2
1 1 1
4 4 5
A routine process fo
1
Percentage
To what extent FCount - To what extent Financial Risks impacts 2
1 43 72% 3
2 8 13% 4
3 8 13% 5
4 1 2% (empty)
(empty) 0% Total Result
Delinquency is unde
1
2
3
4
5
(empty)
Total Result
Strict organizationa
(empty)
5
4
3
2
1
Total Result
Percentage
Count - A routine process for comparing concentrations of credit risk

50%
30
37%
22
5 8%
2 3%
1 2%
0%
60 100%
Percentage
Count - Delinquency is understood and addressed promptly to avoid it
57%
34
19 32%
2 3%
4 7%
1 2%
0%
60 100%
Percentage
Count - Strict organizational control over loan transactions
0%
1 2%
2 3%
6 10%
13 22%
38 63%
60 100%
Percentage
Maintaining detaiCount - Maintaining detailed estimates of projected cash i

62%
1 37
27%
2 16
3 4 7%
4 1 2%
5 2 3%
(empty) 0%
Percentage
Measures of financ
Count - Measures of financial risk
1 38 63%
2 16 27%
3 3 5%
4 1 2%
5 2 3%
(empty) 0%
Measures for operat
To what extent
Operational Risks
impacts most to your Effective and secure portfolio Adequate Loan tracking
organisation? management system eg accurate MIS, information, e.g. adequate
timely reports, data backup etc credit histories.
1 1 2
1 1 2
1 1 1
1 2 1
2 1 2
1 1 1
1 1 1
1 1 1
1 1 1
1 1 1
2 2 2
2 2 2
1 1 1
1 1 1
2 1 1
2 2 2
1 1 1
1 1 1
1 1 1
2 1 1
3 2 2
2 3 2
1 1 1
2 2 1
2 2 2
2 1 1
2 2 2
2 1 1
2 2 1
5 5 5
1 1 2
1 1 1
2 1 1
2 1 1
1 1 1
1 1 1
3 2 3
1 2 3
2 3 2
1 1 1
2 2 2
1 1 1
2 2 2
2 1 1
1 1 1
2 1 1
2 2 1
2 2 2
5 3 2
1 1 1
2 2 1
1 1 1
1 2 4
1 1 1
1 1 1
2 1 1
3 2 2
3 3 2
1 1 1
5 3 4
Measures for operational risk
Strong internal controls to test and

An inspection unit that
verify the accuracy of information The use of preventive
performs random
and adherence to policies and measures to reduce fraud
operational checks.
procedures
1 2 1
1 2 1
1 1 1
1 1 1
1 1 1
1 2 1
1 1 1
1 1 1
1 1 1
1 1 1
2 2 1
2 2 2
1 1 1
1 1 1
1 2 2
2 1 1
1 1 1
1 1 1
2 2 1
1 1 1
2 2 2
1 2 3
2 2 2
2 2 2
2 2 2
1 1 1
1 1 1
2 2 2
1 1 1
5 5 3
1 1 2
2 1 1
1 1 1
1 1 1
1 1 1
1 1 1
3 3 3
3 2 2
2 2 3
1 1 1
2 2 3
1 1 1
2 2 2
2 2 1
1 1 1
2 2 2
2 2 1
2 1 2
1 1 2
1 1 1
1 1 2
1 1 1
3 3 3
1 1 2
1 1 1
1 1 1
3 3 3
2 3 3
1 1 1
5 4 5
Percentage
To what extent OCount - To what extent Operationa An inspection un
48%
1 29 1
2 24 40% 2
3 4 7% 3
5 3 5% 5
(empty) 0% (empty)
Total Result 60 100% Total Result
The use of preve

1
2
3
4
5
(empty)
Total Result
Percentage
Count - An inspection unit that Strong internal
36 60% 1
15 25% 2
8 13% 3
1 2% 5
(empty)
Percentage
Count - The use of preventive m Adequate Loan tr
34 57% 1
20 33% 2
4 7% 3
1 2% 4
1 2% 5
(empty)
Percentage
Count - Strong internal controls to test Measures for ope
36 60% 1
18 30% 2
4 7% 3
2 3% 5
(empty)
Percentage
Count - Adequate Loan tracking informatio
37 62%
18 30%
2 3%
2 3%
1 2%
0%
60 100%
Percentage
Count - Measures for operational risk
36 60%
18 30%
5 8%
1 2%
60 100%
Measures of strategic risks
To what extent Strategic Risks
impacts most to your Boards comprise the right mix of
The institutional by-laws
organisation? individuals who collectively
are clear and well written,
represent the technical and personal
and accessible to all board
skills and backgrounds needed by
members
the institution.
1 2 1
3 1 2
1 1 1
1 1 1
2 1 1
1 1 1
1 3 3
1 1 1
1 1 1
2 1 1
2 1 2
2 2 2
2 1 1
1 1 1
3 1 1
2 2 2
1 1 1
1 1 1
2 1 1
2 1 1
3 2 2
2 1 4
1 2 1
2 2 1
2 2 2
2 1 1
2 1 2
3 2 2
1 1 1
1 3 3
2 2 2
1 1 1
1 1 1
2 2 1
1 1 1
2 1 1
4 2 3
3 3 3
2 2 2
1 1 1
2 2 2
1 1 1
3 2 2
2 1 1
1 1 1
2 2 2
2 1 2
1 3 2
4 1 1
1 1 1
1 2 2
1 1 1
2 1 2
2 1 1
2 1 1
3 1 1
3 3 3
2 1 2
1 1 1
5 4 3
of strategic risks
To minimize business risk, the institution

reacts to changes in the external business
environment to take advantage of
opportunities, to respond to competition, and To what extent S
to maintain a good public reputation.
1
2 2
1 3
1 4
1 5
1 (empty)
1 Total Result
3
1
1
1 To minimize busi
1 1
2 2
1 3
1 5
1 (empty)
1 Total Result
1
1
1
1
2
2
1
2
2
1
1
2
1
5
1
1
1
1
1
1
3
3
2
1
3
1
2
2
1
1
1
2
1
1
1
1
2
1
1
1
2
3
1
3
Percentage
Count - To what extent Strategic Risks i Measures of strat
24 40% 1
25 42% 2
8 13% 3
2 3% 4
1 2% (empty)
Total Result
60 100%
Count - To minimize business risk, the i percentage Boards comprise

40 67% 1
13 22% 2
6 10% 3
1 2% 4
0% (empty)
Percentage
Count - Measures of strategic risks
38 63%
16 27%
5 8%
1 2%
0%
60 100%
Percentage
Count - Boards comprise the right mix of indiv

35 58%
18 30%
6 10%
1 2%
60 100%
Rank the following risk from most threatening to least
threatening
Bad Debt
Lack of good Lack of Affordable 1

Bad Debt Internal control fund Fraud 2
3 1 2 1 3
1 2 1 2 4
2 1 3 4 5
1 1 1 2 (empty)
2 1 2 1 Total Result
1 2 2 1
3 3 3 3
2 1 1 1
1 1 1 1
1 1 3 1 Lack of good Internal
1 1 1 1 1
1 2 4 3 2
3 1 5 2 3
1 1 1 1 4
1 2 3 4 5
1 3 2 1 (empty)
3 1 3 3 Total Result
1 2 2 1
3 1 3 1
1 2 3 1
2 2 3 2
2 3 4 1
1 1 2 1
2 1 2 2
1 2 2 2
2 1 2 1
1 2 1 1
1 2 2 1
1 1 4 1
1 2 5 1
2 2 1 2
1 1 1 1
1 1 1 1
3 2 1 2
1 1 1 1
1 4 2 1
3 3 3 3
1 1 5 2
2 2 3 2
1 1 1 1
2 2 2 2
1 1 1 1
3 2 3 3
3 2 2 1
2 1 1 2
2 2 3 2
2 1 2 2
1 2 2 2
1 3 2 3
2 2 2 2
2 2 2 1
2 3 4 1
4 3 5 4
3 1 1 3
4 1 3 4
1 2 2 1
3 5 4 3
1 3 4 2
2 1 1 1
5 5 4 4
Percentage
Count - Bad Debt Lack of AffordabCount - Lack of A
29 48% 1 17
17 28% 2 19
11 18% 3 13
2 3% 4 7
1 2% 5 4
(empty)
60 100% Total Result 60
Count - Lack of good Internal control Percentage Fraud Count - Fraud

27 45% 1 30
22 37% 2 17
8 13% 3 8
1 2% 4 5
2 3% (empty)
Total Result 60
60 100%
Percentage
28%
32%
22%
12%
7%
100%
Percentage
50%
28%
13%
8%
100%
Which of the following Do you think better
factors are the biggest internal control If risks are
Cost effective and most predictor of non system helps in controlled then the
efficient way used in payment of new reducing the risk companys
the organisation to clients? You can choose faced by the performance
lower the risk exposure more than one option organization increases
Effective internal contro Income;Education;Credit Yes yes
Conservative credit policIncome;Amount of loan Yes yes
Credit score model Credit History Yes yes
Effective internal contro Income;Credit History;AmYes yes
Effective internal contro Credit History;Amount ofYes yes
Effective internal contro Credit History;Amount ofYes may be
Better loan managementall of the above Yes yes
Effective internal contro Income;Education;Credit Yes yes
Conservative credit policCredit History Yes yes

Effective internal contro all of the above Yes yes
Conservative credit policCredit History Yes yes
Staff training Education Yes yes
Staff training all of the above Yes yes
Conservative credit policAmount of loan Yes yes
Staff training Income Yes yes
Better loan managementIncome;Credit History Yes yes
Effective internal contro Age;Income;Credit HistorYes yes
Conservative credit policCredibility Yes yes
Effective internal contro Education;all of the abovYes yes
Better loan managementIncome;Credit History;AmYes yes
Effective internal contro Amount of loan Yes yes
Credit score model Income;Credit History Yes yes
Conservative credit policIncome;Credit History;AmYes yes
Better loan managementCredit History Yes yes
Credit score model Income;Credit History;CasYes yes
Better loan managementCredit History;Amount ofYes yes
Conservative credit policIncome;Credit History;AmYes yes
Credit score model all of the above Yes yes
Better loan managementAge Yes yes
Better loan managementAmount of loan Yes yes
Staff training Income Yes yes
Conservative credit policIncome;Credit History Yes yes
Encouraging customer toall of the above Yes yes
Conservative credit policEducation;Credit History Yes yes
Staff training Income;Education Yes yes
Staff training all of the above Maybe may be
Conservative credit policAge;Gender;Income;CrediYes yes
Conservative credit policIncome No yes
Staff training Income;Credit History;AmYes yes
Better loan managementIncome;Credit History;Amo Yes yes
Conservative credit policIncome;Credit History Yes yes

Better loan managementCredit History Yes yes
Better loan managementAmount of loan Yes yes
Conservative credit policIncome;Credit History Maybe yes
Encouraging customer toAge;Gender;Income;Educat Yes yes
Credit score model Amount of loan Yes yes
Effective internal contro Credit History;Amount ofYes yes
Staff training Income;Education;Lack ofYes yes

Effective internal contro Political Risk and Natural Yes yes
Effective internal contro Income Yes yes
Better loan managementIncome;Credit History Yes yes
Effective internal contro Education;Credit History Yes may be
Effective internal contro Age;Income;Credit HistorYes yes
Credit score model Credit History Yes yes
Cost effective and most
If risks are controlled Risks that can be managed very well with the help
then the company of internal control system Better loan manageme
grows smoothly in
terms of profit. Financial risk Strategic risk Operational risk Conservative credit pol
yes 2 1 2 Credit score model
yes 1 2 1 Effective internal cont
yes 1 2 3 Encouraging customer t
yes 1 1 1 Staff training
yes 1 1 1 (empty)
yes 1 2 2 Total Result
yes 1 1 3
yes 1 1 1
yes 1 1 1 Which of the following

yes 1 1 1 Age
yes 2 2 2 Age;Gender;Income;Cre
yes 2 2 2 Age;Gender;Income;Educ
yes 1 2 2 Age;Income;Credit His
yes 1 1 1 all of the above
yes 1 2 1 Amount of loan
yes 1 1 1 Credibility
yes 1 1 1 Credit History
yes 1 1 1 Credit History;Amount
yes 1 2 2 Education
yes 1 1 1 Education;all of the ab
yes 2 2 2 Education;Credit Histo
yes 3 4 1 Income
no 1 2 2 Income;Amount of loa
yes 2 1 1 Income;Credit History
yes 1 2 1 Income;Credit History
yes 1 1 1 Income;Credit History;
yes 2 2 2 Income;Credit History;
yes 1 3 2 Income;Education
yes 1 2 1 Income;Education;Credi
yes 1 1 4 Income;Education;Cred
yes 2 1 1 Income;Education;Lack
yes 1 1 1 Political Risk and Natur
yes 1 2 1 (empty)
no 2 2 1 Total Result
yes 1 1 1
yes 1 1 1
yes 3 3 3
yes 1 2 3 Do you think better int
yes 2 2 2 Maybe
yes 1 1 1 No
yes 1 2 1 Yes
yes 1 1 1 (empty)
yes 1 3 1
yes 1 1 1
yes 2 1 2 If risks are controlle

yes 1 2 2 may be
yes 2 2 1 yes
yes 3 1 1 (empty)
yes 1 1 2
yes 1 1 2
yes 1 1 1 If risks are controlled

yes 1 2 1 no
yes 1 1 1 yes
yes 1 2 2 (empty)
yes 3 3 4
yes 1 1 1 Row Labels
yes 5 5 4 Better loan manageme
Conservative credit pol
Credit score model
Effective internal cont
Encouraging customer t
Staff training
Count - Cost effective and most efficient way used in the Percentage
Risks that can be managed very well with
11 18% internal control system
13 22%
6 10% Financial risk
18 30% 1
2 3% 2
10 17% 3
5
Count - Which of the following factors are the biggest p Percentage Strategic risk
1 2% 1
1 2% 2
1 2% 3
2 3% 4
6 10% 5
7 12% Total Result
1 2%
6 10%
4 7% Operational risk
3 5% 1
1 2% 2
2 3% 3
4 7% 4
1 2% Total Result
6 10%
7 12%
1 2%
1 2%
1 2%
1 2%
1 2%
1 2%
1 2%
60 100%
Percentage
Count - Do you think better internal control system helps
2 3%
1 2%
57 95%
60 100%
Percentage
Count - If risks are controlled then the companys perfor
3 5%
57 95%
60 100%
Percentage
Count - If risks are controlled then the company grows sm
2 3%
58 97%
60 100%
Percentage
18%
22%
10%
30%
3%
17%
ks that can be managed very well with the help of
internal control system
Sum - Financial risk Percentage

42 49%
24 28%
15 17%
5 6%
86 100%
Sum - Strategic risk Percentage

30 30%
46 46%
15 15%
4 4%
5 5%
100 100%
Sum - Operational risk Percentage

35 36%
34 35%
15 16%
12 13%
96 100%
Do you think due to the pandemic your organisation will face new issues, challenges and risk? Give your views.
>Yes, New business development will take time and slowly business will pick up.
>Yes
>As the new business are stopped and repayments are delayed. It will impact our liquidity
>Yes. To some extent as the borrowers have also facing risk of unemployment.
>There has been new risk emerged due to pandemic. Uncertainty, loss of jobs & livelihoods, financial constraints have create
new groups of customers who can pay but withholding the cash.
>No
>Not only my organisation but pandemic is going to have its impact across industries and for a long time. Things like produc
existing policies and the SOP's are going to change post pandemic.
>No
>Yes, Because field officers are not able to move in field which reduce JLG and hamper collections.
>No
>Yes, it will impact the cash flow cycle of organization.
>Yes..
>Yes..
>Yes it will change the dynamics
>Yes. Risk of Bad debts will be there and operational risk
>Yes ofcourse
>Yes ofcourse
>Yes, Due to the covid -19 pandemic a lots of clients have no enough money to repay their loan installment as well as thei
survival. If Govt. do not help the MFI and also not providing employment to people, It will lead to crisis in MFI sector .So
Employment and Govt. support both are necessary at this time to relief from covid -19.
>Funding will be all time low due to risk in advances
>YES MFI IS FACING A HUGE SITUATION AND WHICH IN TURN MEMBER IS FACING LOSS OF LIFE TOO AND T
ARE UNABLE TO EARN ANY SOURCE OF INCOME WHICH IS BECOMING MAJOR ISSUE DAY BY DAY...
>Profit Generation
>Profitablity
>Yes
>Yes
>Yes
>Ofcourse it is ! Due to this pandemic situation is worst than we think, as the MFI catter the client segment, having low incom
having income source through daily wages/ small shopkeepeer, Street vendor etc.. Thus, the new challenge is collection in fi
and also it would be evolution phase for collection method and some changes in traditional MFI culture.
>Yes
Absolutely now the situation is very critical for entire industry. So We are facing lot of problems in this scenario.
Return on assets going to affected
>Yes
>No
>Yes, there are lot of new challenges related with collections.
>Making sure that sick people get the care they need and don't infect others is one of the key planks of containing COVID-19
the majority of the NBFC/MFI Employee have little choice about putting in a shift, even if they feel unwell. Employees have cr
problems on the field..At the moment, Seniors are leaving no stone unturned to create pressure. That's Wrong..
>Organisation us facing issues & lot of them only the perfect done credit appraisal can be recovered in these times
>Yes
>Yes
>Yes
>Yes i think there are so many challenges in this organisation ,but i can do this .
>Yes. Many customers with good track record may appear defaulter . There will be huge demand of loan so proper control wi
required.
>I think we are going to face a good time in future as in coming days most of the people need loans
>Return On Assets
>Overall performance of bank
>Credit Risk
>Yes, moratorium will impact the credit behaviour of the customers.
>Profitablity will get affected
>Well , due to covid -19 , its obvious that any organisation will face challenges to source business. Sales is the life blood for
organisation.
>Yes
>The issues are for a short span of time.After pandemic the organization who survives will have a great opportunity.
>I think, NBFCs have been adversely impacted by this pandemic as most of our customers repayment capacity has been either
or heavily impacted. So the next challenge would be collection, proper collection monitoring and PAR.
>the pandemic has hurt the economy all over the globe severely. even financial institutions are going to be hurt and news way
being adopted and further needed to be developed for survival and growth
>Yes, as we can see all the sytems, administration,work of labour are strictly shut down.
But we are confidence to bounce back as soon as we can or once all the things being normal.
>no
s, challenges and risk? Give your views.
Name of comapny
Equitas Small Finance Bank
ly business will pick up. y Satin creditcare network Ltd
y Samunnati Agri trade solutions pvt Ltd
. It will impact our liquidity y Utkarsh Small Finance Bank
risk of unemployment. y Utkarsh Small Finance Bank
Pahal Financial Services Pvt Ltd
livelihoods, financial constraints have created a

olding the cash. y Saija finance Pvt ltd
n Utkarsh Small Finance Bank
stries and for a long time. Things like products,

e post pandemic. y Bandhan bank ltd
n Samasta Microfinance Limited
duce JLG and hamper collections. y Utkarsh Small Finance Bank

n Samasta Microfinance Limited
rganization. y Utkarsh Small Finance Bank
y UJJIVAN SMALL FINANCE BANK
y Utkarsh Small Finance Bank
rational risk y Utkarsh Small Finance Bank
y Samasta Microfinance Limited
to repay their loan installment as well as their

people, It will lead to crisis in MFI sector .So
me to relief from covid -19. y Utkarsh Small Finance Bank
advances y Samasta Microfinance Limited
R IS FACING LOSS OF LIFE TOO AND THEY

OMING MAJOR ISSUE DAY BY DAY... y Bandhan bank ltd
Utkarsh Small Finance Bank
y Equitas Small Finance Bank
y Taraashna Financial Services Limited
I catter the client segment, having low income or

. Thus, the new challenge is collection in field,
changes in traditional MFI culture. y Dakshin Bihar Gramin Bank
y Satya Microcapital Ltd
e facing lot of problems in this scenario. y Equitas Small Finance Bank

Spandana Sphoorty Financial Ltd
n Svatantra microfin Pvt ltd
th collections. y Vaya finserv
of the key planks of containing COVID-19 - but

even if they feel unwell. Employees have critical
rned to create pressure. That's Wrong.. y Svatantra microfin Pvt ltd
appraisal can be recovered in these times y Satya Microcapital Ltd

Samasta Microfinance Limited
ation ,but i can do this . y Samasta Microfinance Limited
be huge demand of loan so proper control will be

y L&T Financial Services
ays most of the people need loans y Vedika Credit Capital Ltd
y Equitas Small Finance Bank
y Bandhan bank ltd
of the customers. y Samasta Microfinance Limited

Sindhuja microcredit pvt Ltd
o source business. Sales is the life blood for any

ho survives will have a great opportunity. y Svatantra microfin Pvt ltd
Muthoot Microfin ltd
ustomers repayment capacity has been either lost

per collection monitoring and PAR. y Samasta Microfinance Limited
Samasta Microfinance Limited
stitutions are going to be hurt and news ways are

survival and growth y JANALAKSHMI SMALL FINANCE BANK
bour are strictly shut down.

ce all the things being normal. y Saija finance Pvt ltd
y JANALAKSHMI SMALL FINANCE BANK

Questionnaire For Microfinance Institution-Risk Management and Internal Control System (Recovered)

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Questionnaire For Microfinance Institution-Risk Management and Internal Control System (Recovered)

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Name of respondant

3 3 3 5 3 Degree of objective Yes Yes

All of the abov Yes At branch lyes Kamlakanta 3 3 4 5 5

3 3 3 3 3 Encouraginall of the Yes yes 3

t will impact our liquidity

duce JLG and hamper collections.

o We are facing lot of problems in this scenario.

e credit appraisal can be recovered in these times

nization who survives will have a great opportunity.

nge post pandemic.

ECOMING MAJOR ISSUE DAY BY DAY...

developed for survival and growth

Praveen Kumar C 20-40 Post Grduate Equitas Small Finance Bank

Akash Jadav 20-40 Post Grduate Satin creditcare network Ltd

Saakshi Pradhan 20-40 Post Grduate Utkarsh Small Finance Bank

Sheikh Kalam Ali 20-40 Post Grduate Satya Microcapital Ltd

Yogesh kumar 20-40 Post Grduate Vaya finserv

Shivendra Shukla 20-40 MBA Finance Svatantra microfin Pvt ltd

Prakash Kumar 20-40 Graduation Samasta Microfinance Limited

Deep Mondal 20-40 Post Grduate Muthoot Microfin ltd

Punjab, Haryana and

Shapura-Niwas MP Auditor <5 yrs yes

Chanpatia (7039) Bm <5 yrs yes

Head office-Mumbai Senior Manager <5 yrs yes

Name of comapny Count - Name of comapny

Satya Microcapital Ltd 2

b) Supervision 7 12% Accounting and

Count - Accounting and financial m Percentage Rank the extent

Count - Management closely monitor Percentage Management ident

Count - Ethical values are upheld in Percentage Management has c

Count - Management identifies risks tha Percentage Staffs are train

Count - Management has criteria for asc Percentage It is impossible

Count - Rank the extent to which your organizPercentage Management has i

Count - Staffs are trained to implement th Percentage Communication he

Count - It is impossible for one staff to have Percentage

Count - Communication helps to evaluate how well gu Percentage Internal reviews

Count - There are independent process checksPercentage

Count - Internal reviews of implementation o Percentage

Count - Monitoring has helped in assesing th Percentage

Profitability Yes Yes All of the above

Return on equity Yes No All of the above

Return on asset Yes Maybe

Performance Yes No All of the above

Degree of objective attainment Yes Internal control

Return on asset Yes Yes All of the above

Degree of objective attainment Yes Yes All of the above

Profitability Yes Yes

Degree of objective attainment Yes No As it is already in place

Profitability Yes Yes All of the above

Profitability Yes Yes All of the above

Degree of objective attainment Yes Internal control

Degree of objective attainment Yes Yes All of the above

Degree of objective attainment Yes Maybe All of the above

Return on asset Yes Yes

Profitability Yes Internal

Profitability Yes Yes All of the above

Profitability Yes Yes All of the above

Return on equity Yes Yes All of the above

Degree of objective attainment Yes Maybe All of the above

Profitability Yes Yes All of the above

Profitability Yes Maybe All of the above

Profitability Yes Maybe All of the above

Return on equity Yes No