play a significant role in the micro finance sector, however they are not yet mandated to share their data with credit bureaus, though some NGO-MFIs are voluntarily participating. Some study shows sizable overlaps between SHG Bank linkage and MFI clients. This indicates the severity of over-indebtedness / ghost borrowing, asymmetric information, moral hazard, etc. 24.
Another prospective area where credit information can help is in respect of those companies that supply vehicles and equipment on operating lease to users (lessees) on payment of a periodical rent by them.