Course objective:
The Course on Client / Borrower Appraisal Techniques aims to expose the participants of the importance and techniques of appraisal. It enhances the knowledge and skills of microfinance staff in identifying potential clients while minimizing risks.
Course audience:
Field Officers, credit officers, Branch Managers, Management and officers of micro-finance institutions, finance managers
Course Contents:
APPRAISAL AND SKILLS
- Defining client appraisal and importance of client appraisal
- Importance of giving and receiving feedback during appraisals
- Process of appraisal
- Relationship between effective communication skills and effective appraisal
- Interviewing and questioning skills
- Importance of reporting and record keeping of appraisals
ASSESSMENT OF POTENTIAL BORROWERS
- Demographic characteristics
- Business characteristics
- Business and household financial data
- Borrowing history
- Credit references
- Characteristics of the loan applied for
- Loan security
