......However, there are a number of challenges in collating data from small borrowers. While several MFIs submit data to the credit bureaus on a weekly basis, only a few provide data on a monthly basis, which limits the scope of the database, according to Ghosh. Again, lack of uniformity in data structure poses a challenge in the process. Yet, the biggest challenge in having a coherent database of small borrowers comes from non-government organisations, credit co-operative societies and self-help groups (SHGs), which do not furnish data to the credit bureaus.........
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