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Grace period for loan repayment should be on individual basis not a blank general approach. Client's are involve in different products and services even in this lock down or stay at home, some are doing well in their business. Those that have capacity to pay might not pay once they hear moratorium, there by leading to a repayment crisis.
Loan or field officers need to be involve in the strategy any MFI want to adopt during this period, they will be able to give a better picture of their markets.