Scenario

Major stakeholders:
MFI, MFO, SHGs

Scene: Monday, late evening.

A MFO, Mr. R. Baruah, is preparing to go to sleep to leave for his round within his jurisdiction to collect the "repayments" of the loans on Tuesday. He is set to collect from about 8-10 groups in about 3 hours, so he has a note of the groups to be visited after having made it from the master register at the office and their corresponding time on his notebook. He has to make this list every previous day and also he has to meticulously rule it to make tables for the data.


Scene: Tuesday, early morning

Mr. Baruah has in his inventory, i) a notebook which contains the list of groups for the morning and the evening halves with time and ii) a receipt book which has a carbon paper facility iii) a mobile phone to make calls and for other standard uses.

He could tell the address of the destination from the name of the SHG, so he sets off from his residence (not from the MFI) to reach at the right time, since the time is also mentioned in his notebook. First on the list, a Mrs. M. Boro scheduled to pay 473 x 5, for an initial loan taken of Rs. 5000 based in an area 4 km away from the residence of Mr. Baruah.

He reaches on time as mentioned in the "loan card", 9:40 am. He collects the money, fills in a receipt with her group code and gives her a copy; he also makes an entry into the loan card (which Mrs. Boro has). He has to look into his notebook again to have a look at the next group that he has to visit. Mrs. A. Deka in Panbazar, with visiting time 10:00 am. He puts the money in his bag and then sets off from Mrs. Boro's residence to Panbazar on his bike, and repeats the process, more or less.

On reaching the MFI after the end of half-shift, he would have visited 10 SHGs to collect the loan repayments. He entails the dealings into a daily collection register (he is now writing the records TWICE) which is then transferred to the ledger portfolio. He sets off for another shift in the afternoon and returns at 5 pm to wrap up the documentation part and then he is done for the day and on the same day, prepares a list of groups to visit on Wednesday.

Persona of MFE