OBJECTIVES OF THE SLUDGE SERIES To highlight the sludge involved in different activities Induce the concerned agencies to work for reducing sludge To pin down areas where sludge can be reduced; by shortening the process or through digitization
Primary Issue The banks are not used to extending mortgage finance – building capacity and introducing efficiency in the process will require bold initiatives, suitable legal framework (enacting and implementing foreclosure law in spirit and training bank staff). Sources of Sludge A major source of sludge is the ‘inspection of the property by the bank …
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