not sure exactly
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Marketing activity
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Ibdaa receives a call from an interested applicant.
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Customer Service Officer directs call to relevant branch.
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Relevant CSO takes down information in entry log and explains products briefly.
Does the applicant pass the screening test?
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NO
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Relevant CSO explains why applicant fails to meet criteria, and makes suggestions if possible.
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YES
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Ibdaa loan officer network
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Ibdaa partnerships (NGOs, associations, etc.)
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MO helps applicant fill the application form and performs due diligence, filing relevant discovery material and a recommendation form.
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YES
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CSO allocates applicant to the Mission Officer.
Does the applicant pass the interview?
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NO
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MO explains why applicant fails to meet criteria, and makes suggestions if possible.
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Project follow-up & training
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MO can send discovery material to Back Office for checks in conjunction with application finalisation phase
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Each complete file gets passed to Back Office where further checks are implemented.
Does the file pass the Back Office checks?
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NO
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File returns to MO with its validation form to either fix missing links or terminate based on inconclusive or faulty information.
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YES
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Filing at relevant branch and disbursement.
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SC rejects the application, issues the evaluation form and closes the file.
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Mission Officer presents to Selection Committee.
Does Selection Committee approve the application?
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YES
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Credit Supervisor meets with applicant and performs due diligence.
Does the Credit Supervisor issue an approval?
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NO
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File returns to MO with its validation form to either fix missing links or terminate based on inconclusive or faulty information.
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NO
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YES
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NO
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NO
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Filing at corporate headquarters.
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YES
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Applicant presents to Selection Committee.
Does Selection Committee approve the application?
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YES
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Selection Committee makes recommendation for improvement/resubmission on evaluation form and responsibility passes on to MO.
Can the MO work with applicant to improve the application accordingly?
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NO
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SC rejects the application, issues the evaluation form and closes the file.
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Ibdaa Start-up products
More flowcharts
