LENDING TO MICRO, SMALL & MEDIUM ENTERPRISES (MSME)

Tickets
From ₦ 188,125.00 to ₦ 279,500.00
× Tickets
Live-Online Training:
₦ 188,125.00 188125.0 NGN
Classroom Training:
₦ 279,500.00 279500.0 NGN

Live-Online Training: N188,125
Classroom Training: N 279,500
3 - 4 participants: 5% discount
5 or more participants: 10% discount

(Available also for Customised Training by Duration, Venue & Fee)

Course Contents

DAY ONE

How a Bank can Lead with MSME Business

  • The formal definitions Micro, Small, and Medium Enterprises
  • What do MSME clients want from a bank?
  • Products range
  • Staffing quality
  • Delivery channels
  • Credit pricing
  • Technology

General Tenets of Profitable Lending

  • Performing high volume lending
  • Keeping down the average transaction cost
  • Maintaining a healthy portfolio.

DAY TWO

Knowing Your MSME Customer (KYC)

  • ·    Interviewing the MSME Business Applicants

Generating Information

  • Business/Owner

           – Initial Screening – questions asked? Information needed?

           –Site Visits – questions asked? Information needed?

  • Past Performance
  • Other Sources

          – Credit Score

          – Accountant

          – References

          –Contingent liabilities

  • Most Common Mistakes.

 DAY THREE

Analyzing MSME Business Applications

  • Constructing the Presented Financials
  • Key Accounting Principles
  • Constructing Financial Statements
  • Principles of financial appraisals
  • Interpreting Financial Statements
  • Generating and Using “Non-financial” Information
  • When often may businesses encounter problems?

 DAY FOUR

Loan Structuring

  • Long-term Needs & Ability to Repay
  • Short-term Needs & Ability to Repay
  • Equity contributions

Valuing Collateral

  • Book value
  • Cost
  • Market value
  • Liquidation
  • Average value
  • Guarantees
  • Collateral perfection.

 DAY FIVE

Loan Monitoring

  • Loan Performance Review
  • Prevention of Loan Losses
  • Loan Workout
  • Debt Recovery
  • Legal Procedures.

Date & Time
Monday
July 15, 2024
Start - 8:30 AM
Friday
July 19, 2024
End - 3:00 PM Africa/Lagos
Location

Tom Associates Training

5/7, Alade Lawal Street, Opposite Anthony Police Station, Off Ikorodu Road, Anthony Village,
NG-LA
Nigeria
+234 817 859 1654
+234 809 276 3968 | +234 810 365 2225
tomassociatestraining@yahoo.com | info@tomassociatesng.com
Get the direction
Organizer

Tom Associates Training

+234 817 859 1654
+234 809 276 3968 | +234 810 365 2225
tomassociatestraining@yahoo.com | info@tomassociatesng.com