31Days05Hrs19Mins40Secs
May 29 2024

Lending to MSME Businesses(May 29-31) Virtual

  • 9:00am
  • National Banking College

Background

Micro, Small and medium-sized enterprises (MSMEs) are generally described as “enterprises with a relatively small share of the market, managed by owners or part-owners in a personalized way, and not through the medium of a formalized management structure; and acting as separate entities, in the sense of not forming part of large enterprise or group.” SMEs can be categorized in three groups of micros, small and medium sized enterprises with respect to their employee numbers and annual revenues.
The objectives of this training programme go beyond providing participants with credit skills.
The course approaches knowledge transfers with the idea that: –
The MSME segment can be PROFITABLY served provided it is PROPERLY understood.
A Bank is in business to make money and not necessarily to lend money.

Programme Objectives

  • Identify and evaluate banking opportunities and risk in various business models used by MSMEs.
  • On the basis of his/her understanding of the business model of a MSME customer, offer a suite of banking products which provide a favourable risk/reward benefit to the bank.
  • Approach the evaluation of the credit worthiness of a MSME customer by using a structured and systematic methodology, even in situations where financial information is unreliable and unavailable.

Course Outline

Lending to MSMEs – The Context
Forms of Business Organizations
Defining MSMEs – The key issues
The Business Characteristics of MSMEs
The Challenges to Doing Business with MSMEs
Serving the MSME Customer Better…
The Credit Appraisal Framework – A structured approach to lending to SMEs
Analysing the External Business Environment
Supply Chains and MSMEs
Analysing the Internal Business Environment
Introducing Business Models
Business Growth Stages
Value Chain Basics

Applying the Business Models as credit analysing tool
Assessing Management Quality
Developing Financial Expectations – Building a financial profile of a SME business using non-financial information
The Asset Conversion Cycle and Historical Cash Flows
Cash Flow Projections
Identifying Borrowing Needs
Structuring solutions
Causes of Small Business Failure
Minimizing Loan Losses Thru Effective Credit Monitoring.                                                                                                                                                                                           

Target Group

  • Senior Credit Analysts/ Credit Analysts
  • Senior Relationship Managers/ Relationship Managers
  • Credit Approvers
  • Senior Credit Administrators
  • Business Heads involved in Lending Activities
  • Legal Staff

CostGHC000

To register, contact the programmes secretariat now !

+233 (0) 302 760006