The dhanaX process described:

• dhanaX partners with recognized microfinance organizations, rural technology centres, NGOs and credit societies committed to economic development of the poor. They are appointed as agents by dhanaX.
• These agents help identify and establish credible borrowers.
• The agents do a thorough study on the credentials of the borrowers and their enterprise. They also determine the ability of the borrowing party to honor the repayment of loan.
• The requirements of the borrowers and their credit profile ratings are posted on dhanaX.
• A registered lender with dhanaX goes through the borrower information and chooses one or more borrowers to lend to.
• The lender agrees to the INTEREST quoted by the borrower and the repayment term.
• The lender deposits the loan amount in to his dhanaX Wallet and dhanaX starts the lending process.
• dhanaX through its agent network collects monthly repayments, including the INTEREST from the borrowers and deposits in to lender's dhanaX wallet, till the repayment term ends.
• The lender withdraws his money from the dhanaX Wallet or chooses to lend it to another set of borrowers.