The SMERA Trust Seal Report is a thorough fact check of the financial documents, site visits and management discussions, which helps to physically verify and authenticate an entity’s claims.
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Code of Conduct – 2nd Dimension
Management Structure
Board Structure and Functioning
Board Compensation
Board Independence
Financial Audit & Control
Management Compensation
Community support & development
Data privacy and security
Employment quality
Audit committee functioning
Shareholders rights
Management Profile
Organization Structure
Profile and credentials of the promoters/ management team
Integrity & Governance systems
Business structure
Vision, mission and future strategy
Corporate Governance
Integrity
Risk Appetite
Quality of Business Model
Asset class
Industry Segment
span class=”elementor-icon-list-text”>Break even period, process to control the credit and opex cost
AUM /Cumulative Loan Disbursed
Portfolio Seasonality
Average ticket size
Geographical Coverage
Outreach
Years of Existence
Strength of Operations
No. of Employees
No. of Branches
AUM per employee
Portfolio Seasonality
Loan Appraisal Process, Monitoring and Recovery Mechanism
IT Infrastructure and Management Information System (MIS)
Asset Quality (Portfolio Ageing)
Incremental borrowing rate v/s incremental yield on portfolio
