Formation of small group and large group:

• Discuss with the identified target members in small groups
• Formation of small groups with each group consisting of five members
• Select group leaders for each small group
• Form large group management committee
• Give a two-week orientation for large group
• Collect member admission fee from the members as per BGSL practices
• Capture group members’ admission data with the DFA device
• Fix meeting date time and place
• Form a group with a minimum of 15 members for MF and 10members for Agri-Finance, and a maximum 30 members for MF and 20 for a Agri Finance
• Arrange admission of new members

Meeting related responsibilities

• Conduct two to three groups meetings per day
• Timetable for conducting meetings :1st meeting at 08:30am ,2nd meeting at 09:30 am 3rd meeting at 10:30am (it could be changed based upon office time)
• Reach the meeting place 15 minutes before the group meeting begins
• Organize the floor mat before the meeting commences
• Arrange the group members in U-shape according to small groups
• Take attendance
• Discuss general issues about loans and any other issues
• Collect weekly installment deposits from small group leaders through the concerned cashiers, and capture signatures on DFA device
• Return to the office after completing the group meetings by 1.30pm
• Where the group is nearby the office, credit officer shall deposit the money collected to office before moving to another group (To avoid robbery risk)
• Staff should follow safety and security guideline while transporting money

Loan proposal and disbursement related

• Ensure member’s loan proposals are discussed in the group meetings
• Acceptance of loan proposal through verbal votes in presence of the group members
• Credit officer will fill all loan data such as loan applications, guarantor from DP Notes etc. in digital system.
• Fix a disbursement date after verifying loan application and inform the member accordingly
• Be present in person on disbursement day to participate in disbursement process

Loan recovery related

• Credit officer must attend weekly/bi-weekly /monthly group meetings and should ensure 100% recovery of loan installments.
• Deposit collected money to Branch Accounts and ensure writing and signing off the amount in the DCR
• If any installment is missed in the morning group meeting, initiate collection of the installment in the afternoon through borrowers /small group leaders’ house visit.
• Initiate collection of late and NIBL installments in the afternoon along with current overdue collection
• Initiate the recovery of loans for written-off client’s, should they wish to come back to BRAC as clients

Miscellaneous

• Be present in the weekly staff meetings.
• Prepare daily, weekly and monthly reports.
• Follow BRAC Human Resources Policies and Procedures.
• Efficiently execute other responsibilities given by the senior management.
• Always adhere to the Code of Conduct for Microfinance staff and treat clients respectfully.
• Strive to provide the best quality service to the client and at field and at the brunch office.
• Listen to client’s complaints/concerns/opinions carefully and take appropriate measures.