MICROFINANCE BANKS OPERATIONS MANAGEMENT AND INFORMATION SYSTEM

Live-Online Training: N166,625.00
Classroom Training: N 247,250.00
3 - 4 participants: 5% discount
5 or more participants: 10% discount

(Available also for Customised Training by Duration, Venue & Fee)
(PARTICIPANTS MUST BE WITH THEIR LAPTOPS)

Programme Description:

Risk Management and Internal Control Systems are essential components of a robust Microfinance Bank. One without the other turns the bank like a ship without the rudder. In addition to this, credit is usually the largest risk asset of MFBs, hence, it is imperative that it is given a place of pride in discussing risk management.

Course Objectives

By the end of this training, participants will:

• Be able to understand and explain Risk Management and Internal Control Systems in MFBs.  
• Be able to identify Risks and Challenges facing Microfinance Banks.
• Be able to understand effective Risk Management and Internal Controls.
• Be able to understand the realities, conditions and consequences of funding sources and choosing the right mix.
• Be able to understand the challenges of mobilizing and managing public deposits.
• Be able to understand lending methodologies.
• Be able to understand overview of credit management.
• Be able to understand managing concessional funds.

Course Contents:

DAY ONE

• Introduction to Risk Management. 
• Risks and Challenges Mfbs face:
• • Strategic Risks
  • Liquidity Risks
  • Management Risk
  • Credit Risk
  • Interest Rate risk
  • Operational Risks
  • Market Risk
• Effective risk Management 
• • Features of a good risk management framework
  • Guidelines for implementing risk management
  • Key roles and responsibilities
  • Obstacles to Risk Management
  • Risk Management Feedback loop
  • Key components of the loop, conditions for effective applications
  • Realities, conditions, and consequences of funding sources and choosing a mix
  • Challenges of mobilizing and managing public deposits
  • Micro-lending methodologies

DAY TWO

• Overview of Credit Management:
• • Initiation
  • Character appraisal and assessment
  • Securisation (collateral), traditional, innovative, character-based group)
  • Approval
  • Disbursement
  • Repayment plan
  • Default and Recovery
  • Loan Portfolio Risk Management, etc

DAY THREE

• Credit Risk Management:
• • Monitoring loans, identifying and managing arrears
  • Causes and costs of delinquency
  • Borrower over -indebtedness
  • Double Borrowing
  • Loan restructuring
  • Controlling delinquency
  • Information exchange on bad borrowers
  • Credit Information System, credit bureau
  • Social Responsibility and Community Development

DAY FOUR

Managing Concessional (below market rates) funds

• • Borrowings
  • Subordinated debts
  • Project/Program funds
  • Grants
  • Quasi-Equity
  • Socially responsible investments