This programme highlights the
importance of using the individual, group and integrated loan lending
approaches, type of credit conditions, loan and application conditions
and self-sustainability. This will enable participants to
appreciate savings and credit management skills.
Time
5 days
Overall
Objective
To impart basic savings and
credit management skills to credit NGOs and leaders in business oriented
organisations.
6.1
Savings & Credit Programme Analysis
Individual loans lending approach.
Group loans lending approach.
Minimalist lending.
Integrated lending approach.
Process lending approach.
Type of credit conditions.
Loan conditions.
Product design.
6.2
Elements of an Effective Credit Scheme
6.2.1 Programme Services
Delivery Methods
Staff recruitment/hiring criteria
Client targeting, selection and screening criteria
Loan application design and implementation
Loan portfolio management policies
Programme monitoring
6.2.2 Financial Management Systems and Procedures
Effective screening of potential borrowers
Loan appraisal, disbursement and repayment collection procedures
