Kiosk Banking in Market Locations

. Application Form: * Use of incorrect Application form * No account number on loan application form * Different Loan Amounts on the Form * Employer stamp not on the application form * Employer signature not on the application form * Applicant’s signature omitted on the application form * Applicant’s signature not verified * Date applicant completed the loan application form not indicated * Tenor not indicated on section A of the loan application form * Wrong interest rate on loan application form

Approvals: * Retail/Cluster head approval not in place

Identification Issues: * Applicant work ID card duly sighted by RSM not included. * Guarantor’s work ID card duly sighted by RSM not included. * Identity card not included in the application - Driver’s license, international passport or national ID card of the applicant sighted by RSM not included. * Expired means of Identity not acceptable

Credit Checks: * Applicant’s account not funded for credit checks to be done. * Letter of consent to debit for credit checks not included in documents.

Guarantor: * Unacceptable Guarantor used – Guarantor’s level lower than that of the applicant and/or lower than Level 10. * Guarantor’s signature omitted on the guarantee form * Full name of Guarantor is blank on the space after date on the loan guarantee form. * Wrong information in space provided for guarantor’s address * Guarantor’s account number omitted on loan guarantee/indemnity form. * The Guarantor’s net worth not sufficient to guarantee the loan. * Guarantor’s signature on it not verified with the branch SV stamp * Date the Guarantor attested to filling the statement of personal net worth is blank on the loan guarantee/indemnity form. * The personal financial statement not properly completed by the Guarantor. * Witness portion of the loan guarantee/indemnity form (‘in the presence of’) not