Page 5 - NIBAF-Training Matters Oct-December 2021
P. 5

Keeping  in  line  with  SBP  housing
           policy and needs of MFBs, NIBAF
           organized  three  training  programs
           for MFBs during the quarter.
           Micro  financing  is  an  important
           aspect  of  the  economy  and
           contribute significantly in inclusive
           economic  growth  &  development.
           Micro-finance banks play important
           role in providing small loans to this
           sector  and  it  helps  in  alleviating
           poverty   through   need-based
           financing   and   induces   small
           businesses.  MFB  remained  in  the
           financial sector for the last 20 years
           and  catering  the  need  of  lower   techniques  &  GMSS  scheme      arising  out  of  lending  business
           segment  of  the  society.  Recently,   during   the   quarter.   Senior   particularly micro lending. Further,
           SBP encourages MFBs to expand      Microfinance bankers attended the   proper risk management is usually
           its   support   in   ‘Government’s   program.   The   program   was    exhibit in typical loan cycle and this
           Markup  Subsidy  Scheme’  for      primarily  designed  to  promote    requires  continuous  interaction
           extending ‘Tier 0’ financing facilities   government  schemes  on  housing   with the obligor(s). Keeping in view
           with special focus on marginalized   sector and it explained the potential   this  important  aspect,  NIBAF
           segments residing in rural and peri-  of housing sector across Pakistan.   organized two training program on
           urban areas. In order to prepare the   The subject specialist shared their   Risk  Management  and  Credit
           MFBs  officials  to  expand  its   insights  and  experience  on  micro   Initiation  Techniques  for  officials
           business  in  the  housing  sector,   industry  potential  alongside  the   of   Microfinance   banks   at
           there  was  a  need  to  develop   requirements    for   security      Bahawalpur and an on-line training
           capacity   human    resources      documentation where the risk can    during  the  quarter.  Participants
           particularly   in   the   area   of   be diminished for banks.         learnt risk assessment in the light of
           mortgages       documentation,     Risk assessment and mitigation are   SBP  regulation  and  banks’  credit
           creating  lien  perfection  in  rural   important  feature  of  any  lending   manual.   The   course   also
           areas and other important aspects   business.  This  requires  thorough   deliberates  on  credit  products,
           of   housing   finance.   NIBAF    understanding of risk types and its   appraisal   techniques   &
           designed and conduct customized    application  in  order  to  insulate  a   documentations,  early  warning
           training   program   on   Sale-    lender  from  the  possible  risks   system,  required  documents  for
                                                                                         risk evaluations, etc.
                                                                                         Discussion  on  different
                                                                                         case studies pertaining to
                                                                                         risk   assessment   and
                                                                                         mitigation  have  further
                                                                                         enhanced  understanding
                                                                                         of  the  participants  and

              C                                                                          they took part in different
                                                                                         learning activities.
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