This program focuses on the lending cycle and the different lending methodologies and products in SACCOs today. These differences present opportunities and challenges both from the SACCO point of view and the borrowers’ point of view. The skills to tap the opportunities and manage challenges associated with building a quality loan portfolio and maximising member value from the loan products and services are the central focus of this program.
In lending, the product and process design is crucial: products must be simple, with low entry barriers; decentralized structures to facilitate quick and low-cost loan processing; loan decisions based on proper character assessment and cash flow analysis; collateral and guarantee system used to put pressure on the borrower rather than to fully secure a loan. Administrative costs kept low to ensure a low cost of credit for members and good borrowers kept loyal through incentives. There is need to manage the trade off the trade-off between managing risks and costs.
Participants of the CTAM program will have a clear picture of practical lending approaches including their challenges for the SACCO and members, familiarise with the loan cycle and its steps, interpret the three financial elements with regards to loan decision and be able to calculate relevant ratios.
The program entails going through each step of the loan cycle and discussing all tasks and duties of the lending process in detail. The program contains;
This course utilizes a range of proven adult learning techniques to ensure maximum understanding, comprehension and retention of the information presented. This includes group discussions, facilitated case studies, presentations and team-based exercises. Each session allows you to develop your skills and apply them to your SACCO to analyze the effectiveness of your current approach and your plans for its further development.
Loan committee members
Credit Managers & loan Officers
Full Loan committee (3) - 2,000,000 Ugx
Individual participants - 750,000 Ugx
(Includes accommodation, meals and training materials)
Introduction, Scope and Basic Concepts in credit
Loan products, promotion and application procedures
Loan decisions and loan administration
Loan monitoring and delinquency management
To confirm attendance, please REPLY HERE!