To contain the spread of the Covid-19 pandemic, the mandated social distancing and restricted market activities have adversely affected the employment and earnings of the poor who are considered the targeted beneficiaries of the Microfinance Institutions (MFIs). The MFI operation and more specifically fresh lending are under serious threat as the mode of operations primarily involve physical interaction while distributing credits at the clients' doorsteps, conducting periodic group meetings and carrying out regular collections. This short article attempts to analyze the various challenges that MFIs may encounter in their current and future operations due to the ongoing pandemic. It discusses how the government initiated coping mechanisms may help MFIs overcome or minimize the pandemic challenges. At the same time, MFIs' efforts towards continued services are expected to create a win-win situation.

中文翻译：

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Covid-19 大流行：印度小额信贷机构面临的挑战和前进方向

为了遏制 Covid-19 大流行的蔓延，强制性的社会隔离和限制市场活动对被视为小额信贷机构 (MFI) 目标受益人的穷人的就业和收入产生了不利影响。小额信贷机构的运作，尤其是新贷款受到严重威胁，因为其运作模式主要涉及物理互动，同时在客户家门口分配信贷、举行定期小组会议和定期收款。这篇简短的文章试图分析由于持续的大流行，小额信贷机构在当前和未来的运营中可能遇到的各种挑战。它讨论了政府如何启动应对机制来帮助小额信贷机构克服或最大程度地减少大流行的挑战。同时，小额信贷机构