Page 16 - NIBAF-Training Matters January-March 2021
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development is one of the important area and there
is a need to enhance human capacity by imparting
such skills and techniques that would help the
banking business to expand by engaging potential
clients in all the sectors
& post approval process. Customer cash flow &
inventory duration analysis and early warning
signals were discussed with case studies and
exercises.
NIBAF planned a series of awareness programs on
Client evaluation is the pre-requisite for disbursing entrepreneurship skills developments for university
any bank financing, where a banker requires students. One such program was organized for
proper assessment of customer’s ability and students of Institute of Management Sciences (IMS)
willingness to repay loans. Such assessment needs Peshawar. More than 70 students attended this
coherent understanding of financials using different session. The aim of these sessions is to create
techniques. However, it become more imperative in awareness among university students regarding
case of loan disbursement to a small enterprise with financial services (banking products and SBP
no or little financials, where such assessment become schemes) to hone their entrepreneurship potential.
Students actively participated in the program and
an art than simple financial analysis. To develop asked questions pertaining to entrepreneurship and
such skills, NIBAF conducted two on-line training ways of financing. They were keen to know main
programs for relationship managers and branch features of Government schemes on Kamyab Jawan
managers. Banking officials attended this program, program, where SBP experts explained the scheme
where they learned about necessary assessment in detail and responded to the questions.
skills of small as well as medium enterprises. Other
important aspect of the training includes
understanding potential clients and their financing
needs, evaluation of SME customers (PARTS/5Cs),
cash flow analysis, key considerations in approving
SME loans/Credit Lines, provision of NFAS, etc.
Another important aspect of SME banking is
understanding various types of risk and its Micro-finance Programs
assessment pertaining to SME financing. NIBAF also
organized two on-line training programs on Risk Micro-financing is an important aspect of the
Management during this quarter. These programs economy and contribute significantly in inclusive
impart knowledge on risk assessment of small to economic growth & development. It helps in
medium borrowers with particular focus on credit alleviating poverty through need-based financing
risk and its management. The trainers also discussed and encourages small businesses. Keeping in view
different ways/techniques to assess risk during pre- importance of the sector, NIBAF has rolled out
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