FINANCIAL ANALYSIS AND ACCOUNTING PROCESSES FOR MICROFINANCE BANKING

Live-Online Training: N 250, 000.00
Classroom Training: N 350,000.00
3 - 4 participants: 5% discount
5 or more participants: 10% discount

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

Programme Description

For any Microfinance Bank to succeed in achieving its social mission, its operations must be sustainable to ensure its long term survival.re It is critical therefore that each Microfinance Bank management understands the components of sustainability and how each can would enable early detection of threats to the Bank’s sustainability and survival.

In order to maintain consistency in preparing and maintaining books of accounts, certain rules or principles have been evolved over several years of practice of accountancy. These rules and principles are classified as concepts and conventions. These are foundations of preparing and maintaining accounting records. There are generally agreed accounting principles which have been agreed by most nations in the world. Some also have their national accounting principles/standards to compliment. Through this course, a quick learning guide is provided to learn all about accounting concepts, conventions and principles.

Course Objectives

By the end of this training, participants will:

·    Be able conduct balance sheet analysis of Microfinance Banks. 

·     Be able to assess and analysis the performance of trends in Microfinance Banks by using financial ratios.

·    Be able to compare the performance of Microfinance Banks within the banking and microfinance in Nigeria and internationally.

·    Be able to undertake business planning and financial modelling, including costing and leveraging resources.

·    Be able to understand the concepts of micro-lending and the canons of good lending.

·   Be able to develop appropriate tools for analyzing and evaluating credit proposals and risks involved.

·   Be able to exercise sound credit judgements and be placed in a position to protect their organizations’ interest in the credit cycle.

Course Contents

DAY ONE

Overview of Accounting Concepts

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies  

·          Market Research /Description of the Products and Services 

Financial Statement Analysis and Interpretation 

·          What is Market Analysis?

·          Understanding the Market /Loan Techniques  

·          Management of Difficult Customers /Loan Delinquency  

                   - Financial Ratio Analysis 

                   - Supporting Documents 

                   - Performance Ratio /Loan Portfolio Quantity 

 Quantitative Techniques

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies  

·          Market Research /Description of the Products and Services 

Income Statements

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies  

·          Market Research /Description of the Products and Services 

Balance Sheet

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services 

DAY TWO

Cash-flow Analysis

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services 

Portfolio Reporting

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services 

The CAMEL System Approach to Analyzing Regulated Financial Institutions

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services 

Specific Statements and Notes to the Financial Statements

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services 

Ration Analysis

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                    

·          Market Research /Description of the Products and Services 

DAY THREE

Profitability and Sustainability Indicators

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                    

·          Market Research /Description of the Products and Services 

The Interpretations of Liability Items That Often Have Particular Use in MFBs

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                   

·          Market Research /Description of the Products and Services

Efficiency and Productivity Indicators

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services

Growth and Outreach Indicators

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies  

·          Market Research /Description of the Products and Services.

DAY FOUR

Financial Structures Indicators

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                    

·          Market Research /Description of the Products and Services

Identifying, Costing and Leveraging of Funding Sources

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services

Analysis and Interpretation of Performance Indicators

·          Trend Analysis with Ratios 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                    

·          Market Research /Description of the Products and Services

MFI Projections

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services.

DAY FIVE

Comparative Analysis, Industry Standards and Benchmarks Locally and Internationally

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services

Financial Management of Microfinance Banks

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

·          Market Research /Description of the Products and Services

Strategic Planning

·          What is Microfinance Banking? 

                    -Types of Credits /Other facilities 

                    - Credit Delivery /Methodologies                     

Market Research /Description of the Products and Services