G TRUST has a defined Internal Control System to monitor its operations. At the Branch level, a reporting structure has been created for effective monitoring of operations. Field Manager conducts the field verification and then reports to the Branch Manager (BM). From Branch Manager, the next level of screening is done by the Head Office. The Head Office Sanction Committee (HSC) is held at a centralized location to review loan applications with the attendance of concerned branch staff. At HSC, Credit Officer briefs on loan application with client details, borrowing details , available cash flows and applied loan amount. Branch manager verifies client cash flows, business activity, purpose of loan and makes a final decision on the amount and approves them.

     Branch Manager is responsible for loan collection and delinquency management. The follow- up of all overdue loan accounts is done by Field Manager. A well-defined process is laid out for follow-up and collection of delinquent loans based on overdue bucket. Loan delinquency is tracked in HO on regular basis through their software. No undue influence and coercion are used to force the recovery. No late penalty charges are levied.

     G Trust have MIS software outsourced from M/s. Eswar system based out of Madurai. This software is cloud-based software with SQL as backend and MS office as front end. Complete recovery, collection details, by member wise, center wise, branch wise, staff wise is available in the system. For any date to date and for any period reports are available.

     Innov Finlab Private Limited has embarked on a strategic initiative to revolutionise the micro-lending space through its cutting-edge technology platform. The platform's architecture is composed of three integral modules, each serving a distinct purpose yet harmoniously integrated:

     Customer Onboarding Module: Viva’s Customer Onboarding App serves as the gateway for individuals seeking credit from Viva. Key Features of the Onboarding App are KYC Validation, Credit Bureau Integration, e-Agreement Execution.

    Digital Collections Module: Viva’s payment application leverages on the digital payment solutions available, and is tailored for borrowers who don’t carry smartphones. Borrowers can make loan repayments via third-party UPI channels through the Smart Phones of another family member, a neighbourhood shop or e-banking Kiosk.

     Merchant Module: The Merchant mobile application empowers Viva’s retailers/merchants to enable end-use specific loan disbursements such as school fee loans, agri-equipment loans and consumer durable loans etc to their customers in a seamless fashion.