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The intervention produced no statistically significant change in branch delinquency rates for current loans (total delinquency coeff = 0.011, p > 0.10) or future 2-month lagged delinquency (coeff = 0.006, p > 0.10), proving that frontloading loan placement by 18% in weeks 1–2 did not compromise credit screening standards.
Implementing systematic defect tracking reduced quality defects by roughly 50%, enabling plants to drastically reduce the 19% labor overhead previously wasted on checking and mending.
Middle plant managers lacked financial spending authority to purchase spare parts for broken textile lifts and trolleys, causing basic equipment breakdowns to persist unaddressed and inducing substantial productivity drops.