Finance and TreasuryMicrofinance Institution Management
Microfinance lends small amounts to borrowers without collateral or credit history, which makes portfolio quality dependent on methodology and field discipline rather than on security. This course covers running an institution well. Delegates work through lending methodologies including group and individual lending and what each controls for, client assessment and cash flow based appraisal where no financial statements exist, and loan officer productivity and incentive design, which drives both growth and default. Portfolio quality measurement is covered properly, including why portfolio at risk behaves differently from a bank's ratios. Delinquency management and provisioning follow. Funding, pricing and sustainability are addressed. The course closes on client protection and over indebtedness.
Course objectives
- Compare lending methodologies and what each controls for
- Appraise a client on cash flow where no statements exist
- Design loan officer productivity measures and incentives
- Measure portfolio quality using appropriate ratios
- Manage delinquency and provision correctly
- Price loans for sustainability and secure funding
- Apply client protection principles and prevent over indebtedness
Who should attend
- Microfinance managers and branch managers
- Loan officers and credit supervisors
- Finance and risk staff in microfinance institutions
- Regulators supervising the sector
- Development finance and donor programme staff
Course outline
- 01Lending without collateral or history
- 02Group and individual lending methodologies
- 03Cash flow based client appraisal
- 04Loan officer productivity and incentives
- 05Portfolio at risk and quality measurement
- 06Delinquency management
- 07Provisioning and write off
- 08Pricing, funding, sustainability and client protection
Scheduled sessions
| Dates | Venue | Format | Price | Register |
|---|---|---|---|---|
| 14 to 18 December 2026 | Online | Online | R8,500 per delegate | |
| 28 December 2026 to 1 January 2027 | Accra, Ghana | Classroom | USD 1,325 per delegate | |
| 8 to 12 February 2027 | Kigali, Rwanda | Classroom | USD 1,325 per delegate | |
| 15 to 19 February 2027 | Kampala, Uganda | Classroom | USD 1,325 per delegate |
Microfinance Institution Management
From R8,500