Bank training programme on MSME finance

The Project aims to:

• Develop, prepare and implement a training series on MSME finance for bank employees (as of 10/2015 374 bank employees have been trained)
• Develop, prepare and hand over a pedagogic training kit on MSME finance to the member banks.

Services to be provided

• Signed Letter of Understanding between APBEF and each member financial institution on the roll-out of MSME finance training programme and subsequent bank engagement in this client segment.
• Development of training toolbox and modules on the following subjects:

• Demand for financial services of micro, small and medium enterprises (MSME)
• Responding to the financial needs of MSMEs
• Economic and financial analysis of MSME clients
• Evaluation methods of MSME finance
• Monitoring and credit risk management in MSME lending
• Non-performing loans management

• Training for bank employees and internal trainers in the areas listed above
• Advise to management staff of selected banks on how to integrate MSME finance in their activities, plan their business targets and human resources and monitor the loan performance
• Coaching for loan officers and branch managers of selected banks on how to hold client interviews, complete loan application files (including entrepreneurial assessment and cash flow analysis) and credit decision
• Additional training on agricultural finance and combine the methods of MSME finance with the value chain approach