Our Uniqueness

“The Main Drivers for MSM organization are People, Process, and Information Technology.”

People

MSM believes people are the most important asset and main driver behind MSM organization. MSM recruit, train, motivate & retain best talent.

Process

MSM firmly believes process is the next best asset & main driver after people. MSM firmly believes following processes uniformly across the organization will produce consistent & predictable results. MSM with its systematic process approach, technology and training offers high end service to our customers. MSM believes that the processes are the relevant, logical framework for analyzing the effectiveness of the entire organization.

Continuous process improvement is an ongoing effort in MSM to improve products, services or processes. These efforts can seek “incremental” improvement over time or “breakthrough” improvement all at once. Among the most widely used tools for continuous improvement, MSM adopt four-step quality model—the Plan-Do-Check-Act (PDCA) cycle.

MSM follows structured, process and product driven methodology for improving organizational business processes through data analysis, proactive human participation, technology innovation and original thinking.

MSM strongly believes that Process is not a destination, it is a journey.

Technology

MSM has implemented the ixMFI management information system (MIS) developed by Ionixx Technologies. This product uses cloud and mobile technologies to automate the microfinance business operations from end-to-end including group forming, loan disbursement, collection etc.

The unique, collaborative partnership between MSM and Ionixx Technologies ensures that the product continuous to include all facets of the microfinance business as pertains to MSM.

MSM is using the system to monitor the quality, sustainability and efficiency of the loan portfolio. Centralized implementation of MIS helps MSM to scale operations significantly and maintain the accuracy and transparency of its loan portfolio. The investment in technology keeps operational efficiency at industry best.

Key features implemented in MSM

• Customized Rating Engine for Loan Approval
• Paperless Branches (Except legal docs)
• KYC Digitalized
• GPS Tracking for field monitoring
• One of the very few entity to implement Customer App in the MFI segment
• Robust NPA Module
• MIS / Dashboard with various report type is available based on roles

MSM with its three pillars (People, Process and Technology) will results in reduce costs, improves customer satisfaction and increase profitability.