Page 6 - NIBAF-Training Matters July-September 2021

loans/Credit Lines, provision of NFAS signals were discussed with case program was attended by more than
etc. studies and exercises. 70 women entrepreneurs.
Another important aspect of SME During the quarter, NIBAF also Further, NIBAF also organized a
banking is understanding of various conducted an awareness program on webinar on SBP Asaan Finance
type of risks and its assessment SBP schemes for women Scheme (SAAF) for senior officials of
pertaining to SME financing. NIBAF entrepreneurs of Unilever Pakistan’s the commercial and micro-finance
also organized one training programs circle “She Lov Tech”. This program banks. Mr. Mazhar Shahzad
on Risk Management at Karachi discussed important SBP schemes discussed important feature of the
during this quarter. This program for women and also attended by scheme and provide clarity on
imparts knowledge on risk commercial banks senior officials to different aspects. The participants
assessment of small to medium discuss and respond the raise some question regarding its
borrowers with particular focus on queries/issues facing the women implementation process and tenor of
credit risk and its management. The while seeking financial support from the schemes, which was elaborated
trainers also discussed different banks. They elaborate loaning by the speaker. This webinar was
ways/techniques to assess risk during approval process, documentations attended by more than 100 senior
pre- & post approval process. and some basic requirements that officials of the banks.
Customer cash flow & inventory need to be fulfil before sanctioning of
duration analysis and Early warning loan to prospective borrower. This

Micro-financing is an important Subsidy Scheme’ for extending ‘Tier a 3-day TOT on Housing Finance for
aspect of the economy and contribute 0’ financing facilities with special MFBs. The program was attended by
significant in inclusive economic focus on marginalized segments senior Microfinance bankers. The
growth & development. Micro-finance residing in rural and peri-urban areas. program was mainly designed to
banks play important role in providing In order to prepare the MFBs officials promote government schemes on
small loans to this sector and it helps to expand its business in the housing housing sector and also it explained
in alleviating poverty through need- sector, there was a need to develop the potential of housing sector across
based financing and induces small capacity of their human resources Pakistan. The subject specialist
businesses. MFB remained in the particularly in the area of mortgages shared their insights and experience
financial sector for the last 20 years documentation, creating lien on micro industry potential alongside
and catering the need of lower perfection in rural areas and other the requirements for security
segment of the society. Recently, SBP important aspects of housing finance. documentation where the risk can be
encourages MFBs to expand its Keeping in line of SBP housing policy minimized for banks.
support in ‘Government’s Markup and needs of MFBs, NIBAF organized