When people think of banking and lending, they usually imagine balance sheets, income statements, and credit scores. But for a credit manager, true lending decisions go far beyond the numbers.…
Every year, when the mighty Ravana burns on Dussehra night, we are reminded that no matter how strong negativity looks, truth and discipline always win. As a child this day…
Why Short-Term Certifications Can Be Your Career Accelerator The finance and business world is changing at a pace we’ve never seen before. Ten years ago, it was enough to have…
Ah Money!!!It’s one of the few things we all think about every single day; earning it, spending it, saving it, worrying about it. On paper, managing money should be simple.…
In today’s fast-changing world, one truth is becoming crystal clear: your digital footprint is your new credit history. For decades, MSMEs relied on trust, relationships, and hard work to get…
MSME lending is stepping into a new era where data is the new collateral and algorithms are the new underwriters. But this future isn’t just about fancy models rather it’s…
What if I told you the biggest asset your business owns isn’t on your balance sheet? Many companies are sitting on a goldmine of value they don’t even recognize. In…
Are you truly living your dream life or are you trapped in a script written by others for you? It’s a tough question, but one worth asking for. From childhood,…
When you think about the challenges faced by Micro, Small, and Medium Enterprises (MSMEs), access to finance almost always tops the list. Despite their contribution to GDP, employment, and innovation,…
When most MSMEs hear the word collateral, the first thing that comes to mind is property papers. But here’s the truth: for a banker, collateral is much more than just…