SME Bankers Program*

Date November 15 - 26, 2015 Location Manila, Philippines

Because of its economic and social significance, SMEs are used as strategy for development. It has been a major element in economic planning in developing countries. It has become a major investment for development financing institutions and international aid agencies. Even commercial banks find SME financing a profitable business. Many government agencies are now dispensing financial and technical assistance to SMEs. Very significant amount of capital in developing and more developed countries is invested in SMEs. SMEs employ large number of people. It is an effective labor generator for an expanding economy. It is also a training ground for future entrepreneurs.

In this 2-week training program participants will gain important concepts and skills in planning and managing investments in SME.
The training program is relevant for officials from SME banks, development banks, nonbank development financing institutions, NGOs, and commercial banks who are directly and indirectly involved in SME programs,
This SME Bankers Program is a part of IDF-ADFIAP Career Credentialling Program. Successful participants will be awarded a Credential in SME Management.

Topics Included:
The Concept of Development Finance and place of SME in the process of economic development
Role of SME in supplying the missing ingredients for development
Characteristics of SME as development projects
Planning and Management of SME including major aspects in designing SME investments
Roles of development financing institution in the Management of SME
Areas of credit analysis for investment in SME including the 5Cs of Credit Appraisal
Cash flow analysis; income Statement; balance sheet; management of the SME
SME position in the industry and the future of the industry itself
Loan Security: Asset-Based Collateral Approach; Other Asset Collateral Approach; Performance – Based Approach
Identifying business risks
Guidelines for credit analysis for investment loans
Use of financial ratios for credit analysis
Financial analysis for SME
Financial management system for SME
Proforma income statement and proforma cash flow
Determining loan repayments including grace period and interest moratorium

The course will utilize a combination of seminars and workshops. The seminars will consist of short lectures, demonstrations, and examples. The workshops will involve short case studies and computation exercises. The participants will be working on their assignments using computers. The participants will be encouraged to express their previous experiences in the management of SME. They will also be given an opportunity to compare the concepts being discussed in class with actual practices of selected DFIs in managing SME programs thru educational field visits.

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