{"id":3812,"date":"2021-09-08T07:33:19","date_gmt":"2021-09-08T07:33:19","guid":{"rendered":"https:\/\/inforeatech.com\/cs-craft\/blog-loan-origination\/"},"modified":"2026-07-22T16:09:51","modified_gmt":"2026-07-22T10:39:51","slug":"blog-loan-origination","status":"publish","type":"post","link":"https:\/\/www.craftsilicon.com\/asia\/blog-loan-origination\/","title":{"rendered":"Loan Origination for Microfinance"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8908 size-medium\" src=\"https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2022\/06\/trucell-cs1-300x272.jpg\" alt=\"\" width=\"300\" height=\"272\" srcset=\"https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2022\/06\/trucell-cs1-300x272.jpg 300w, https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2022\/06\/trucell-cs1.jpg 679w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>India witnessed a shift in the microlending landscape in the last decade. Approx. 60 million women across the nation have a massive outstanding loan portfolio of INR 2,59,377 crore in March 2021, says a report (<a href=\"https:\/\/mfinindia.org\/Resources\/micrometer\" target=\"_blank\" rel=\"noopener\">Micrometer by MFIN<\/a>)\u00a0.<\/p>\n<p>To meet the evolving consumer demands, the industry has transformed their entire lending process which includes a faster, secured, scalable and streamlined borrowing experience to the end customers. Increase in mobile penetration across rural markets has paved the path for digital emergence. The major factors which have led to a spur in growth are \u2013 increased digital connectivity and innovation.<\/p>\n<p>Tech driven solutions are disrupting microfinance lending from loan origination to disbursement. Digitized loan origination automates and manages every step of the lending cycle such as loan application, documentation, verification, credit bureau check etc. It speeds up processing and approval of loans faster. It further streamlines lending operations and minimizes the credit risk with business rules &amp; CB report.<\/p>\n<p>Tech driven solutions are disrupting microfinance lending from loan origination to disbursement. Digitized loan origination automates and manages every step of the lending cycle such as loan application, documentation, verification, credit bureau check etc. It speeds up processing and approval of loans faster. It further streamlines lending operations and minimizes the credit risk with business rules &amp; CB report.<\/p>\n<p>Amidst the thrive of microfinance institutions, <strong><em>Group Loan Origination<\/em><\/strong> used to be a cumbersome and document intensive process by which a borrower applies for the loan. Nowadays, with the increased use of automation &amp; digitization this process is becoming easy and quick.<\/p>\n<p>Let\u2019s understand the whole process of loan origination in a brief manner.<\/p>\n<h5><strong><span style=\"color: #000000; font-size: 20px;\">Loan Origination Process<\/span><\/strong><\/h5>\n<p>&nbsp;<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8929 \" src=\"https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2021\/09\/young-indian-banker-agronomist-visit-poor-farmer-family-1-1024x683-1-300x200-1.jpg\" alt=\"\" width=\"338\" height=\"225\" \/><figcaption><\/figcaption><strong><span style=\"color: #000000; font-size: 20px;\">Village Survey<\/span><\/strong><\/figure>\n<p>It is conducted to extract the basic information of the village like population structure, business activity, financial dependencies, social dynamics, law, and order scenario etc. It is used to assess the viability of the residents of the village from a bird\u2019s eye view to begin with the credit operations.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Lead Generation<\/strong><\/span><\/p>\n<p>It refers to the action of identifying the potential clients through village surveys and briefing them about the company and its products. It helps to stimulate the interest of the borrowers and increase their awareness about the loan product.<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Pre-Qualification<\/strong><\/span><\/p>\n<p>It helps to check the eligibility and authenticity of the borrower for a particular loan product. Borrowers must provide ID and other documents to establish their eligibility. Following documents are demanded by the lenders<\/p>\n<ul>\n<li><strong><span style=\"color: #000000;\">Voter Id or Aadhar card<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Address Proof<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Bank Account details<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000;\">Consent for e-KYC with biometrics or OTP<\/span><\/strong><\/li>\n<\/ul>\n<p>These documents are verified by the lender and the credit score of the borrower is also checked. Once the screening out of ineligible candidates is done the borrowers are allowed to proceed with the loan application.<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Loan Application<\/strong><\/span><\/p>\n<p>Borrower provides all the relevant information in a detailed manner to the officer. The application is intensive and requires all the information like financial history, monthly income and expenses, bank account, insurance, loan purpose etc.<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Loan<\/strong><strong> Underwriting<\/strong><\/span><\/p>\n<p>It is a due diligence process where the lender does deep scrutiny of the applications and the Credit Bureau report can be reviewed, if required, to check the authenticity of the details provided by the borrower. Applications are sent back for correction if any error is found at this stage.<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Customer Onboarding<\/strong><\/span><\/p>\n<p>Finally, the customer receives the decision on approval of their loan application and a loan card is provided to them. Within 7 days of onboarding the disbursement is done in the customer\u2019s bank account.<\/p>\n<p>Traditionally, loan origination was an intensive, time-consuming and complicated process as it involved manual underwriting and paperwork which is where digitization offers the chance to deliver rapid and responsive services to the borrowers in a manner that has never been done earlier.<\/p>\n<h5><span style=\"color: #000000; font-size: 20px;\">Benefits of Digitization<\/span><\/h5>\n<figure><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8930 size-full\" src=\"https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2021\/09\/agri-finance-intro-cs-300x298-1.jpg\" alt=\"\" width=\"300\" height=\"298\" srcset=\"https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2021\/09\/agri-finance-intro-cs-300x298-1.jpg 300w, https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2021\/09\/agri-finance-intro-cs-300x298-1-150x150.jpg 150w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure>\n<p><span style=\"font-size: 20px;\"><strong>Reduced TAT (Turnaround time)<\/strong><\/span><\/p>\n<p>It promoted speed and efficiency as the verification process can be done digitally through eKYC, Video KYC, eSign, etc. therefore, reducing the turnaround time by almost 50 %.<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Increased Scalability<\/strong><\/span><\/p>\n<p>Robust technology helps to scale up the business operations in a swift manner. It takes less time for the whole process, so more customers can be onboarded as data and ID images are available across the organization to scrutinize it<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Lower Cost<\/strong><\/span><\/p>\n<p>Digital software streamline the operations and result in more accuracy thereby reducing the cost per transaction. Features like integration with credit bureaus and other third parties, automated reporting to the branch helps in making the right decision that saves on cost.<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Enhanced Accountability<\/strong><\/span><\/p>\n<p>Digital sourcing, data driven processes and the correct use of tech-enabled services have helped to reduce human intervention making the processes more accountable and accurate. It becomes easier to mold the process according to the dynamic regulatory environment.<\/p>\n<p><span style=\"font-size: 20px;\"><a href=\"https:\/\/www.craftsilicon.com\/products\/br-analytics\/\" target=\"_blank\" rel=\"noopener\"><strong>Robust Analytics<\/strong><\/a><\/span><\/p>\n<p>Analytics helps financial firms to yield instant, automating the KPIs (Key Performance Indicators) of the business operations. It offers flexible features like highly customizable applications, and extensive third-party integrations. Moreover, predictive analytics are transforming the industry while inducing decisive promptness.<\/p>\n<h5><strong><span style=\"color: #000000; font-size: 20px;\">Road Ahead<\/span><\/strong><\/h5>\n<p>&nbsp;<\/p>\n<figure><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-8931 \" src=\"https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2021\/09\/Blog-2-1024x467-1-300x137-1.jpg\" alt=\"\" width=\"339\" height=\"155\" \/><\/figure>\n<p><span style=\"font-size: 20px;\"><strong>Educating Customers<\/strong><\/span><\/p>\n<p>Low digital and financial literacy of the customers poses a challenge for the MFIs, it requires customer education and spreading awareness to build trust and establish reliability.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Digital Adoption<\/strong><\/span><\/p>\n<p>MFIs handle employees and business correspondent partners with limited formal education and financial training of the field staff. This limited understanding of the banking infrastructure and digital services available leads to limited adoption in the ecosystem.<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Advanced Data Security<\/strong><\/span><\/p>\n<p>Ensuring a secure and encrypted database for storing personal data is essential. Data protection and cybersecurity is of utmost concern for a successful digital adoption while ensuring business continuity.<\/p>\n<p><span style=\"font-size: 20px;\"><strong>Self-Onboarding\u00a0<\/strong><\/span><\/p>\n<p>Having acknowledged the requirements of today\u2019s customers, MFIs are transforming their processes to offer an experience that is comfortable and easily accessible.\u00a0The\u00a0whole\u00a0process\u00a0of onboarding\u00a0is completely digitized, and customers do not\u00a0require\u00a0to go to an office or\u00a0branch. Documentation is done through APIs and video KYC helps in real-time customer verification. It is possible with the advent\u00a0of the\u00a0digital onboarding\u00a0to\u00a0apply for a loan\u00a0remotely with the same security and\u00a0trust.<\/p>\n<p>Digital loan origination will ensure streamlining of operations and ease of entering data quickly for the field officers. It will be cost effective and add value across the chain to make a considerable impact.<\/p>\n<p>MFIs success depends on their ability and agility to adapt to the digital services for loan origination and management. MFIs are embracing digital transformation by harnessing the potential of their business network and partnering with fintechs to deliver personalized, digitally enabled services.<\/p>\n<p><strong><span style=\"font-size: 20px;\">About Craft Silicon<\/span> <\/strong><\/p>\n<p>Craft Silicon is a leading financial technology solution provider and recognized as one of the most tech-savvy software groups globally. Craft Silicon supports 300+ financial Institutions by delivering value in over 30 countries.\u00a0 Craft Silicon provides robust solutions that include Core Banking, Loan Management, Channel Banking etc. &#8211;\u00a0\u00a0 Managing over $5.6Bn of Loan Portfolio, 57Mn customers &amp; 1Bn transactions per year in Asia region.<\/p>\n<p><a href=\"https:\/\/www.craftsilicon.com\/products\/glow-group-loan-origination\/\" target=\"_blank\" rel=\"noopener\"><strong>GLOW <\/strong><\/a><strong>&#8211; Group Loan Origination Workflow <\/strong>is a customized software with capability to capture the entire loan portfolio data in one place from the initial village survey, loan origination and to the final disbursal stage. It has Comprehensive loan tracking mechanism from origination to disbursement<\/p>\n<ul>\n<li><strong><span style=\"color: #000000; font-size: 16px;\">Digital KYC<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000; font-size: 16px;\">Centralized data management<\/span><\/strong><\/li>\n<li><strong><span style=\"color: #000000; font-size: 16px;\">Real-time access with authorization controls<\/span><\/strong><\/li>\n<\/ul>\n<p><strong><a href=\"https:\/\/www.craftsilicon.com\/products\/trucell-collection-disbursement\/\" target=\"_blank\" rel=\"noopener\">Trucell \u2013 Field Operations made easy &#8211; <\/a>\u00a0<\/strong>A mobile application specifically designed to support and empower Microfinance field operations. Key modules include Loan Collection, Loan Disbursement, Loan Utilization, Fees Collection and Repeat Loan Processing. \u00a0Trucell hosts a range of functions and activities to make work easier, quicker, and efficient for field officers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>India witnessed a shift in the microlending landscape in the last decade. Approx. 60 million women across the nation have a massive outstanding loan portfolio of INR 2,59,377 crore in March 2021, says a report (Micrometer by MFIN)\u00a0. To meet the evolving consumer demands, the industry has transformed their entire lending process which includes a [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":3813,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[41],"tags":[],"class_list":["post-3812","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Loan Origination for Microfinance - Craftsilicon Asia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.craftsilicon.com\/asia\/blog-loan-origination\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loan Origination for Microfinance - Craftsilicon Asia\" \/>\n<meta property=\"og:description\" content=\"India witnessed a shift in the microlending landscape in the last decade. Approx. 60 million women across the nation have a massive outstanding loan portfolio of INR 2,59,377 crore in March 2021, says a report (Micrometer by MFIN)\u00a0. To meet the evolving consumer demands, the industry has transformed their entire lending process which includes a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.craftsilicon.com\/asia\/blog-loan-origination\/\" \/>\n<meta property=\"og:site_name\" content=\"Craftsilicon Asia\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-08T07:33:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-22T10:39:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.craftsilicon.com\/asia\/wp-content\/uploads\/2026\/05\/young-indian-banker-agronomist-visit-poor-farmer-family_optimized.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Divya Jyothi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Divya Jyothi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/\"},\"author\":{\"name\":\"Divya Jyothi\",\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/#\\\/schema\\\/person\\\/950920baaa5dff4f9746512b26743625\"},\"headline\":\"Loan Origination for Microfinance\",\"datePublished\":\"2021-09-08T07:33:19+00:00\",\"dateModified\":\"2026-07-22T10:39:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/\"},\"wordCount\":1254,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/young-indian-banker-agronomist-visit-poor-farmer-family_optimized.webp\",\"articleSection\":[\"Blog\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/\",\"url\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/\",\"name\":\"Loan Origination for Microfinance - Craftsilicon Asia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/young-indian-banker-agronomist-visit-poor-farmer-family_optimized.webp\",\"datePublished\":\"2021-09-08T07:33:19+00:00\",\"dateModified\":\"2026-07-22T10:39:51+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/#\\\/schema\\\/person\\\/950920baaa5dff4f9746512b26743625\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/young-indian-banker-agronomist-visit-poor-farmer-family_optimized.webp\",\"contentUrl\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/young-indian-banker-agronomist-visit-poor-farmer-family_optimized.webp\",\"width\":500,\"height\":333},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/blog-loan-origination\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loan Origination for Microfinance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/#website\",\"url\":\"https:\\\/\\\/www.craftsilicon.com\\\/asia\\\/\",\"name\":\"Craftsilicon Asia\",\"description\":\"Digital Banking, Core Banking &amp; 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