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   Credit Methodology
The primary objective of the Virutcham Microfinance is to reach the economically challenged women to create financial accessibility through our various loan products. Care must be taken in identifying target households i.e., our potential clients. If this sorting is not done properly much of our subsequent effort will be wasted through leakages due to unwarranted delinquencies. To ensure that we are reaching the right targeted customers we must emphasis on door to door CPV and credit bureau information to weed out over leveraged and default customers.