Page 18 - NIBAF-Training Matters October-December 2020
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L N I S T I T U T O E F BANKING AND FINANCE Training Matters!
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help the banking business to expand by engaging small as well as medium enterprises. Other
potentials clients in all the sectors. Keeping in view important aspect of the training include
this important feature, NIBAF designed a understanding Potential clients and their financing
customized training program on Product needs, evaluation of SME Customers (PARTS/5Cs),
Development & Program-based Lending. One of cash flow analysis, key Considerations in approving
such program organized at Lahore during SME loans/Credit Lines, provision of NFAS etc.
November 02-03, 2020, wherein various bank
business models and product feasibility Micro-finance Programs
development discussed. Various case studies shared
SBP envisions the significant role of micro-finance in
in the program and participants asked to develop
the sustainable economic growth of the country that
their own product and make presentations in-
is necessary for livelihood creation and poverty
groups. The contents also covered understanding
eradication from the grass-root level. In line with
potential SMEs & their borrowing needs, program
SBP Strategic Vision and National Financial
based lending & relationship lending, issues &
Inclusion Strategy, NIBAF designed a number of
challenges and the processes involved in booking
fully funded customized training programs for
SME loan etc.
Micro-finance banks. The purpose of these
Assessment of client is the pre-requisite for trainings is to develop human resource capacity
disbursing any banks financing, where a banker and enhance understanding of MFBs officials
requires evaluating customer's ability and regarding financial and operational aspects of
willingness to pay. Such assessment needs coherent micro financing besides customer engagements,
understanding and financial acumen using various assessment and risk mitigation. While developing
techniques. However, it become more imperative in these customized trainings, NIBAF also consulted
case of loan disbursement to a small enterprise with MFBs in order to cater their training needs
with no or little financials, where such assessment and to maximum learning benefits from these
become an art than simple financial analysis. To programs. Besides, it also emphasized the
develop such skills, NIBAF designed training importance of a developing strategy for small
programs for relationship managers and branch businesses and improving access to finance. For FY
managers, and one such program held in Multan 2020-21, NIBAF has rolled out training plan for
during November 09-10, 2020. Importantly, 23 micro-finance banks, wherein three programs held
banking officials attended this program, where during Nov-Dec 2020.
they learned about necessary assessment skills of
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