Page 17 - NIBAF-Training Matters January-March 2021
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training plan for micro-finance banks, and six engaged to talk on these important topics and
programs were held during Jan-Mar 2021. shared his banking expertise and experiences in
these areas. The participants appreciated the
NIBAF conducted on-line training program on Risk
Management and Credit Initiation Techniques for clarity of the concept, imparting of knowledge and
officials of Microfinance banks during the quarter. requested to have such sessions on these important
Risk assessment and mitigation are important subjects on regular basis.
feature of any lending business. This requires
thorough understanding of risk types and its
application in order to insulate a lender from the
possible risks arising out of lending business
particularly micro lending. Further, proper risk
management is usually exhibit in typical loan cycle
and this requires continuous interaction with the
obligor(s). Participants learnt risk assessment in the
light of SBP regulations and banks’ credit manual.
The course also covered credit products, appraisal
techniques & Documentations, early warning system,
required documents for risk evaluations, etc. NIBAF also organized three on-line training
Discussion on different case studies/exercises programs on Sale Techniques in Micro Finance.
pertaining to risk assessment and mitigation have Understanding of customer financial needs and
further enhanced understanding of the participants converting it into tangible financial products with
and they actively took part in different learning appropriate marketing is the core business of any
activities. bank. This requires proper know how of
organizational structure, consumer insights, product
development, marketing research and regulatory
framework. NIBAF is in forefront to develop such
skills and assist the bankers to design banking
products that facilitate the potential consumers. This
training program covered contents that included
Micro-Finance Regulatory Framework, consumer
insights, types of products offered by the MFBs,
Market Research & Product development with
respect to regions/areas, selling techniques,
strategy to increase deposits/loan, consumer
protection besides group activities & deliberation
NIBAF organized two on-line training programs on on different case studies. The participants of the
Remedial Management in Micro-financing. Micro- program took interest and got clarification on
finance banks extend small loan to potential different aspects of marketing and selling
borrowers that warrant continuous monitoring and techniques.
interaction with the respective borrower(s).
Understanding of early warning signals, underlying Training programs on Agri-financing
security, collateral & various guarantees,
classification of loan as per PR, evaluation of Agriculture is an important sector of the economy
repayment flow, etc. are the essential aspects of and contribute significantly towards economic
pre- & post loan monitoring. Subject specialist was growth beside ensuring food security and
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