In this video series-4 on Joint Liability Group Lending Process, Kabir Kumar Microfinance Analyst, CGAP talks about Disbursement Process of Spandana, India, where the consumers are given full disclosure regarding the loan terms and conditions which is an important part of client education and transparency. He also emphasises on the role of accounting and information systems the MFIs use to control the process. In this process, the spouses of the members also attend the centre meeting and the loan terms and conditions are explained to them and the paperwork signed before handing over the cash to the member.