Training Objectives
- To make aware on importance of credit appraisal for achieving a healthy loan portfolio and high impact on borrowers
- To enhance participants knowledge and skills on best practices of Credit Appraisal tools and techniques
Training Content
- Principles of Credit Appraisal (6C approach)
- Household income appraisal
- Business profit and business performance appraisal
- Appraisal of client qualitative aspects
- Determine client repayment capacity and loan amount suitable to the client
- Appraisal tools for different loan sizes
- Ex:
- Less than Rs 100,000
- Rs. 100,000 - Rs. 250,000
- Rs. 250,000 - Rs. 500,000
- More than Rs. 500,000
Training Methodology
- Mini lectures
- Case studies
- Participatory discussions
- Group activities
- Practical Exercises - in the class room and field
Training Objectives
- Enhance the knowledge and skills on different types of risks faced by MFIs
- Enhance staff knowledge and skills to develop effective monitoring system
- Enhance staff skills to use information generated by monitoring system for effective decision making
Training Content
- Risk elements and their impact to the MFI
- Minimizing risks by monitoring
- Type of monitoring
- Developing effective monitoring system
- Effective use of information collected through the monitoring system for risk management
Training Methodology
- Short lectures
- Presentations
- Group exercises
- Case studies
- Brainstorming
- Action learning techniques
Training Objectives
- Enhance the delinquency management knowledge & skills of the participants
- Establish the standard credit management system in the MFI
- To increase knowledge & skills for designing suitable interest rates for loan products
Training Content
- Understanding causes & costs of delinquency
- Measuring delinquency
- Introduction to loan portfolio quality
- Measuring Portfolio at Risk (PAR)
- Managing a delinquency crisis
- Setting sustainable interest rates
- Costs of credit from the borrowers perspective
Training Methodology
- Lectures
- Group activities
- Motivational games
- Case studies
- Discussions
Training Objectives
- Enhancing the accounting knowledge & skills of participants
- Introduce a standard internationally accepted accounting system for your organization
- To improve skills to process the important financial information to streamline management decisions process in the MFI organization
Training Content
- Introduction to accounting
- Double entry principals & systems
- Introduction to financial reports & portfolio reports
- Accounting adjustments
- Final accounts preparation
- Financial analysis & financial ratios calculation
- Balancing act game (Accounting game)
Training Methodology
- Lectures
- Group activities
- Accounting game
- Participatory discussions
- Other action learning techniques
Training Objectives
- To master the internationally accepted tools and techniques appropriate for understanding the financial position & sustainability of your organization
- To develop the skills required to derive important financial ratios to get accurate management decisions in your organization
Training Content
- Identifying components, purpose, relationship & importance of key financial statements
- Formatting income statement & balance sheet in such a way that it provides all the data required for effective financial analysis
- Analyzing financial statements to monitor profitability, efficiency & portfolio quality
- Adjusting cost for inflation, subsidized cost of funds & in-kind donations
- Identifying critical factors for moving the MFIs towards
Training Methodology
- Group exercises
- Mini lectures
- Participatory discussions
- Games
- Role plays
Training Objectives
- To provide an awareness on the importance of Internal Audit (IA) in the MFI
- To enhance the knowledge and skills of IA staff
- To provide a framework for establishing successful internal audit function in the MFI
Training Content
- Identifying basic accounting /primary documents
- Identifying components, purpose of the audit
- Importance of the internal audit function
- Applying internal audit function to the MFI
Training Methodology
- Lectures
- Group activities
- Case studies
- Group presentation
Training Objectives
- To enhance knowledge on PPI tool & its usage to ensure achievement of the MFI’s social mission
- To enhance MFI’s staff skills to use PPI score card to collect PPI data in field, analyze PPI data and use them for decision making
Training Content
- Introduction to the PPI
- Understanding the PPI indicators, score card & scoring
- PPI data collection
- PPI data analysis
- Uses of PPI to measure level of poverty focus by the MFI/ level of poverty and progression of MFI clients in going out of poverty
- Use of PPI as a targeting tool to reach defined poverty group
Training Methodology
- Presentation
- Case studies
- Field exercises
- Group work
Training Objectives
- To enhance the MFI staff knowledge and skills on 'How to improve financial literacy and skills of MFI clients'
- To develop trainer skills of participants
- To introduce a training tool kit which can be used in the field
Training Content
- Basic concepts of financial literacy
- Technical session - Savings
- Technical session- Loans and interest rates (NIR & EIR)
- Technical session-training skills/ facilitation skills
- Introduction to TOT sessions
- What is financial literacy and why financial literacy is required
- Saving & interest
- Loan & interest
- Making accurate credit decisions
Training Methodology
- Lectures / Group Activities / Role Plays / Simulations & Other Action learning techniques
- Participants will deliver each session in class room and trainers give feedback on technical matters as well as their trainer/ facilitation skills
- Tool kits for each session will be introduced
Training Objectives
- To enhance the MFI staff knowledge and skills on 'How to improve financial literacy and skills of the MFI clients
- To develop trainer skills of participants
- To introduce a financial literacy training developed by the Frankfurt School of Management in Germany which can be delivered to the clients in the field
Training Content
- Planning is your key to success
- Setting financial goals
- Life cycle events in your family
- Your financial situation-Income and Expenses
- Setting up a family budget
- Improving your budget
- Implementing your budget
- Savings
- Taking loans: A good or a bad idea?
- Responsibilities of a guarantor
- Other financial products
- Remittances and money transfer in Sri Lanka
Training Methodology
- Presentation / Case study / Role plays / Group works / Mini lecture / Other action learning techniques
Training Objectives
- To increase participants’ knowledge and skills on effective financial management
- To improve healthy financial discipline among participants
- To enhance MFI contribution in client protection
Training Content
- What is financial literacy and why it is important for clients
- Importance of savings, how to select proper organization to save, how to save effectively, maximizing benefit of saving (interest), checking accuracy of interest received, how to check accuracy of pass book update
- Understanding interest on loan & its impact to the client (Nominal & Effective rates, Declining balance & Falt rates)
- How to make wise credit decisions, factors need to consider before borrowing, self-assessment on feasible credit amount based on the income
- How to manage/plan household cash flow effectively
- Importance of credit disciplines for clients, adverse effects on bad repayments
Training Methodology
- Highly participatory learning event including Presentation / Role play / Group works / Mini lectures / simulations etc
MFI Staff Training (MFIST) - Other Training
- Good Governance Training
- Social Mobilization Training
- CGAP Business Planning Training for MFIs
- CGAP Microfinance Product Development
- Rapid Rural Appraisal Training
- Leadership Training
- Team Building Training
- Planning Skills Development Training
- Presentation Skills Development Training
- Effective Communication & Negotiation Training
- Time Management Training
- Trainer/Facilitator Skills Development Training
- Operational Management Training
- Practical Approaches to Delinquency Management Training
- Management by Objectives Training
- Strategic Planning Training
- Outward Bound Training (OBT)
- Basic Management Skill Development Training
Training Objectives
Training Content
Training Methodology