Page 18 - NIBAF-Training Matters January-March 2021
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employment generation. Increased farm place/business, vetting all the documents to
mechanization and efficient crop sowing are the establish title genuineness, cash flow analysis,
need of hour for better and timely produce. evaluation of loan-size & its purpose, loan price and
Keeping in view increased demand of agri-produce duration, etc. The officials should understand various
and innovative farming create lucrative type of assets/properties, their nature, legal
opportunities for the banks to tap potential of this attributes, legal entitlement that constitute security
segment and direct agri-credit to innovative and collateral. These training programs also
borrowers, SBP is taking various initiatives and discussed various revenue documents, related Acts,
measures to address agri-related shortcomings and Articles & Clauses, passbook & its attributes; land
promote agriculture financing. This requires Record Management Information System (LRMIS),
thorough understanding of agri sector and various types of charges, personal guarantees, etc. This
measures taken by SBP. training program provided a comprehensive
knowhow to credit risk and various documents
required for any loan disbursement. The
participants demonstrated keen interest and
recommended more such programs on such
important aspects of agri-financing.
Three more training programs on Agri-lending
techniques at Faisalabad, Bahawalpur and on-line
were arranged during the quarter. The objective of
these programs are to enhance skill set of banking
NIBAF in collaboration with SBP has initiated an officials in order to undertake marketing and sale
extensive capacity development programs for of agri-product in effective and efficient manner. It
banks in this area for the last two years. These is important for banks officials to understand
programs aim to equip banks with necessary tools agriculture & agri-related business and develop
and techniques for serving the priority sector more agri-financing products. These training programs
effectively and efficiently. During FY 2021, NIBAF discussed various types of agri-financing and
planned to conduct 24 free of cost training matching potential customers along with risk
programs pertaining to different aspects of agri- profiling, assessment and understanding of requisite
financing for commercial banks. Specifically, NIBAF documents. It also highlighted various financing
conducted seven training programs during Jan-Mar products and SBP Re-finance & Credit-guarantee
FY2021. schemes. Conducting marketing survey,
identification of competitive advantage,
NIBAF organized three on-line programs on Credit
Risk & Security Documentation for agri-officers of understanding marketing cycle & segmentation are
banks during this quarter. The objectives of this vital for developing and building customer
program is to develop understanding of banks’ relationship. This strategy helps in planning for
officials regarding credit risk, need of securitization selling banking product in efficient way. Participants
in agri-lending, legal concepts of various assets & were assigned tasks to develop marketing strategy
for selling banking products and to present in-
underlying securities, significance and legal aspects group. Moreover, the trainers also discussed
of documentation. For any credit underwriting, it is importance of communication with the clients that
important to determine borrower capacity and helps in build strong and long lasting relation with
willingness to pay. The credit officers ensure pre- customers.
requisite of credit proposal that include credit
history of the borrower, visiting borrower’s
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