Gurgaon head-quartered financial technologies group Antworks has tied up with Kolkata-based Grameen Shakti Micro Finance Services Private Limited (GSMS) to provide micro loans under a joint lending program to the rural and semi-urban borrowers in West Bengal and Bihar. This is first of its kind initiative which will see a Peer to Peer financing company tying up with a RBI regulated Micro Finance company to provide micro loans under peer-to-peer lending framework. Antworks will bring in retail Individuals as lenders for this program and the lending to borrowers would happen on the peer-to-peer financing platform of Antworks (www.antworksp2p.com). GSMS would be responsible for sourcing of borrowers while credit evaluation would be done jointly by Antworks and GSMS. Further, GSMS would be responsible for credit monitoring and recovery of loans in a manner that the loans do not turn non-performing in the hands of participating lenders.