Delinquency Management Topics

Group 1
Introduction to delinquency: cause and consequence - Definition of delinquency

 Classification of delinquency
 Causes of delinquency and solutions
 Analysis of costs of delinquency
 Effect of delinquency
 Cost of delinquency to MFI’s
 Analysis of reasons and costs of delinquency for microfinance
 Nature and reasons of delinquencies
 Costs of delinquencies and refrain from payment
 Financial impacts of delinquencies and refrain from payment

Group 2
Measurement of delinquency

 Introduction on delinquency indicators

 Provisions for delinquency and write off
 Terminologies
 Effects of delinquency on financial statements
 Measuring Delinquencies and How to Control Them
 Loan portfolio
 Factors affecting delinquency management
 How to manage delinquencies
 Main pillars of delinquency prevention

Group 3
Delinquency Control

 Awareness of delinquency
 Preventive measures
 Uncontrollable causes of delinquency
 International experiences

Delinquency Management Plan

 Loan appraisal
 Loan design
  Credit Committees

Group 4
Introduction to credit risk management process and techniques

 Credit Assessment Methods

 Expected Losses and Unexpected Losses
 Controlling Credit Risk
 The Credit Policy Manual

Group 5
Determining Interest Rates for Microfinance

 Concepts of calculating interest rates

 Identify interest rates that ensure sustainability

 Micro-Finance package Investment

 Methods of calculating interest rates ensuring sustainability

 Effective interest

 Addressing barriers hindering the achievement of sustainable interest rates

 Proposed strategy for effective delinquency management

Group 6
Qualitative and quantitative methods for evaluating credit risk based on borrower information

 Credit Evaluation
 Qualitative Credit Assessment Processes
 Credit Ranking
 Behavioral Ranking
 Consumer Credit Scoring
 Behavioral Scoring Models
 Advantages and Limitations of Credit Appraisal and Default Prediction Methods

Group 7
Managing Credit Risk in a Corporate Environment

 Introduction
 Credit Administration
 Determining a Line of Credit
 Evaluating Changes in Credit Policy
 Monitoring and Collections
 Collection Procedures
 International Credit Risk Management