Our Process
Unlocking a World of Opportunities for the Microenterprise Sector
Our customer focus spans a diverse spectrum, encompassing the MSME, SME, and Self-Employed segments. Within this dynamic range, we offer specialized financial solutions, including small-ticket MSME loans secured by collateral in the form of property, as well as corporate loans tailored for Non-Banking Financial Companies Microfinance Institutions (NBFC MFIs). This comprehensive approach enables us to cater to the unique financial needs and aspirations of a wide array of businesses and entrepreneurs, fostering growth and sustainability within these vital sectors.
Credit Methodology
- Satin Finserv recognizes the need for a unique credit approach tailored to different customer groups.
- Our primary goal is to transition from informal lending to a formal lending structure.
- Our methodology relies on an assessment-based approach bolstered by comprehensive analytical studies.
Credit Assessment
- Loan evaluations are based on the suitability of customers for various product offerings designed to serve diverse sectors.
- We consider customers' willingness and ability to repay when determining suitable product options.
- We offer both income and non-income proof-based products to maintain balance and manage risk.
- Reference checks are conducted through various agencies and credit bureaus.
- Small loans are extended with collateral as a borrowing security.
Analytics
- We conduct portfolio analysis to identify any significant fluctuations in credit.
- The use of Psychometric Tests helps gauge customers' intent to repay.
- Continuous portfolio monitoring informs product and policy updates.
