In this video, Stuart Rutherford - Founder of SafeSave, a microfinance institution in Bangladesh, talks about the competition in Bangladesh, delinquency management and the key challenges in addressing it. Attributing the emergence of various MFIs as one of the reasons for defaults, Stuart discusses the clients’ behaviour towards payment patterns. Explaining the situation Stuart reveals how the MFIs in Bangladesh responded to the increasing number of default in payments. He further discusses the major challenges of delinquency management and how loan officers use their own social influence to avoid defaults.