Page 19 - NIBAF-Training Matters October-December 2020

Oct - Dec 2020

Risk assessment and mitigation are important 26-27, 2020. Subject specialist was engaged to
feature of any lending business. This requires deliberate on these important topics and shared
thorough understanding of risk types and its his banking expertise and experiences in these
application in order to insulate a lender from the areas. The participants appreciated the clarity of
possible risks arising out of lending business the concept, imparting of knowledge and
particularly micro lending. Further, proper risk necessitated to have such sessions on these
management is usually exhibit in typical loan cycle important subjects on regular basis.
and this requires continuous interaction with the
Understanding of human financial needs and
obligor(s). Keeping in view this important aspect,
converting it into tangible financial products with
NIBAF organized training program on Risk
appropriate marketing is one of the core function
Management and Credit Initiation Techniques for
of any bank. This requires proper know how of
officials of Microfinance banks at Islamabad
organization structure, consumer insights, product
during November 09-10, 2020. Participants learnt
developments, marketing research and regulatory
risk assessment in the light of SBP regulation and
framework. NIBAF is in forefront to develop such
banks' credit manual. The course also deliberate on
skills and assist the bankers to design banking
credit products, appraisal techniques &
products that facilitate the potential consumers. In
Documentations, early warning system, required
view of that, NIBAF organized 2-day training
documents for risk evaluations etc. Discussion on
program on Techniques to Increase Sales volume of
different case studies pertaining to risk assessment
Micro Finance at Lahore during December 07-08,
and mitigation have further enhance understanding
2020. This training program covered contents that
of the participants and they took part in different
include Micro-finance Regulatory Framework,
learning activities.
Micro-finance banks extend small loan to potential
borrowers that warrant continuous monitoring and
interaction with the respective borrower(s).
Understanding of early warning signal, underlying
security, collateral & various guarantees,
classification of loan as per PR, evaluation of
repayment flow etc. are the essential aspects of
post loan monitoring. Now to equip the banking
officials regarding these aspects, NIBAF organized
2-day training program on Remedial Management
in Micro-financing at Peshawar during November

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