Krishnan
There is a requirement from organization who has this guarantor concept,
there operational model is different from what you said, they do not accept
relatives as a guarantor. They can select guarantor within a group or
outside the group but part of the organization mostly from centers.
I have seen this guarantor concept at other MFI too with a group size of
15-20 members, but i think guarantor is not required in grameen or JLG
model where the size of group is restricted to few members.
I agree with you on the second part i.e., validation , which need to be
re-visited with different scenarios but not on guarantor.
Thanks
Shiva
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