INFORMACIÓN COMPLEMENTARIA DE LA COMISIÓN DE ZONIFICACIÓN: Z201

Time and

Technique

Session

Materials

Lecturette and discussion 12.00-12.10 (10 minutes)

Overview of Financial Statements and Reports Facilitator provides an overview of the session goal and objectives.

Powerpoint slides 13-14 (renumber) Guided Discussion Demonstration Activity 12.10-1.10 (1 hour)

Step 2: Income Statement

• Overview of income statement

• Income statement construction

• Terminology, definitions, xrefs

• Practice Overhead/handout 2.1 Income Statement Template 2.2 Sample Income Statement 2.3 Case Study Instructions w/Income and Expense Information 1.10-2.10 Lunch Break Guided Discussion Demonstration Activity 2.10-3.10 (1 hour)

Step 3: Balance Sheet

• Overview of balance sheet

• Construction of a balance sheet

• Terminology, definitions, xrefs

• Practice Overhead /handout 2.4 Balance Sheet Template 2.5 Sample Balance Sheet 2.6 Case Study Instructions w/Balance Sheet information Guided Discussion Group Activity Demonstration 3.10-4.30 (1 hour 20 minutes)

Step 4: Cash Flow Statement

• Overview of cash flow statement

• Cash Flow construction

• Terminology, definitions, xrefs

Overhead

2.7 Classification of Cash Receipts and Payments Overhead/Handout 2.9 Cash Flow Template 2.10 Sample Cash Flow Activity Material 2.8 Cash Flow Activity 2.11 Indirect Cash Flow Example 2.12 Case Study

Cash Flow Instructions Discussion Activity 4.30-5.10 (40 minutes)

Step 5: Linking Financial Statements

• Importance of understanding the links between financial statements

• Links between the financial statements and reports

Overhead/Handout 2.16 Matrix Need handouts 2.2 2.5, 2.10, 2.13

Module 3 Summary (Day 2)

Time and

Technique

Session

Materials

Lecture and discussion 9.00-9.10 (10 minutes)

Step 1: Introduction

Facilitator provides an overview of the session goal and objectives.

Powerpoint Slide x Lecture and Guided Discussion 9.10-10.00 (1hour)

Step 2: Overview of the Character-based Element of the Cash Flow Lending Model

• The “Five C’s of Credit”.

• Overview of how the character-based element fits within the Cash Flow lending model.

• Overview of how character-based assessment fits within overall credit analysis.

Flipchart Markers

10.10-10.30

Lecture 10.30-12.00 (1.30minutes)

Step 3: Incorporating the Character-based element Into the Cash Flow Lending Model

• Reviewing key financial documents.

• Collecting character references.

• Interviewing the applicant.

PowerPoint Slides x- y

Module 4 Summary (Day 2 contd’)

Time and

Technique

Session

Materials

Lecture and discussion 12.00-12.10 (10 minute)

Step 1: Introduction

Facilitator provides an overview of the session goal and objectives.

Powerpoint Slide x Lecture and Guided Discussion 12.10-1.30 (1hr 20 minutes)

Step 2: Overview of The Enterprise-based Element of the Cash Flow Lending Model

• Higher Risk Inherent in MSME Lending

• Overview of how the enterprise-based element fits within the Cash Flow lending model.

• Overview of how enterprise-based assessment fits within overall credit analysis. Flipchart Markers 1.30-2.30 Lunch Break Lecture 2.30-4.00 (1hr 30 minutes)

Step 3: Incorporating the Enterprise-based Element into the Cash Flow Lending Model

• The Role of Bank as Partner

• The Importance of External Evaluations of MSMEs

• Using the “Cluster Approach” to Lending

PowerPoint Slides x- y

• “Securing” Transactions through Purchase Order and Invoice Analysis

Module 5 Summary (Day3)

Time and

Technique

Session

Materials

Lecture and discussion 9.00-9.10 (10 minutes)

Step 1: Introduction

Facilitator provides an overview of the session goal and objectives.

Powerpoint Slide x Lecture and Guided Discussion 9.10-10.10 (1hr)

Step 2: Overview of Loan Products, Pricing and Structuring for Use in the Cash Flow Lending Model • Xxx • Xxx • xxx Flipchart Markers 10.10-10.30 Lecture 10.30-12.00 (1hr 30min)

Step 3: Loan Product Types for MSME Lending

• Purchase Order Financing • Equipment Leasing • Lines of Credit • Short-term Loans • Senior Long-term Loans • Subordinated Long-term Loans • Convertible Subordinated Loan, or

“Quasi-Equity” • Solidarity Group Loan

• Individual Microfinance Client Loan

PowerPoint Slides x- y

Lecture and Guided Discussion 12.00-12.50 (50minutes)

Step 4: Pricing Strategies for MSME Products • Role of the Treasury

• Lessons from Microfinance

12.50-1.50 Lunch Break Lecture and Guided Discussion 1.50-2.30 40 Minutes

Step 5: Structuring MSME Loan Products • Assessing the True Financing Needs of

the MSME

• Determining the Optimal Loan Terms and Conditions

• Frequency of Payments within the Loan Cycle

• Grace Periods on Interest Payments and Initial Interest-only Periods

• Optimal Loan Size

• Revising Original Loan Terms to Mitigate Risk

Module 6 Summary (Day3 contd’)

Time and

Technique

Session

Materials

Lecture and discussion 2.30-2.40 (10 minutes)

Step 1: Introduction

Facilitator provides an overview of the session goal and objectives.

Powerpoint Slide x Lecture and Guided Discussion 2.40-3.40 (1hr)

Step 2: Overview of the Principles of Microfinance Lending • • • Flipchart Markers

Lecture 3.40-5.00 (1hr 20 minutes)

Step 3: Establishing Teams and Team Assignments for the Field Trip

• Client Interviews (see Individual Client Study Guide questions)

• Loan Officer Interviews (see Promoter Study Guide questions)

• Community Group Interviews (see Community Group Study Guide questions)

PowerPoint Slides x- y

DAY 4 - FIELD TRIP

Module 7 Summary (Day 5)

Time and

Technique

Session

Materials

Lecture and discussion 9.00-9.10 (10 minute)

Step 1: Introduction

Facilitator provides an overview of the session goal and objectives.

Powerpoint Slide x Lecture and Guided Discussion 9.10-10.40 (1hr 20 minutes) Step 2:

Participants provide general impressions of their visit to the local MFI.

Flipchart Markers 10.40-11.00 Tea Break Lecture 11.00-12.30 (1hr 30 minutes)

Step 3: Teams Presentations of Findings from the Field Trip

• Client Interviews (see Individual Client Study Guide questions)

• Loan Officer Interviews (see

PowerPoint Slides x- y

Promoter Study Guide questions)

• Community Group Interviews (see Community Group Study Guide questions)

12.30-1.30 Lunch Break

Module 8 Summary (Day 5 contd’)

Time and

Technique

Session

Materials

Lecture and discussion 1.30-1.40 (10 minutes)

Step 1: Introduction

Facilitator provides an overview of the session goal and objectives.

Powerpoint Slide x Lecture and Guided Discussion 1.40-3.00 (1hr 20 minutes)

Step 2: Overview of The Cash

Flow/Character/Enterprise-based Lending Model

• Main elements of the Model • The “Five C’s of Lending • Lessons from Microfinance • Summary sheets for Case Study

Flipchart Markers Lecture 3.00-4.30 (1hr 30 minutes)

Step 3: Incorporating the Cash Flow Lending Model into Credit Analysis

• Participants pair off in teams of three • Participants undertake “interview” • Participants write up credit analysis • Participants present decision to “senior

credit officer” PowerPoint Slides x- y Discussion 4.30-5.00 30minutes

Step 4: Course Wrap-up and Evaluation • Facilitator will guide discussion on what

participants have learned from the course. • Participants complete evaluations.

In document Ciudad de San Antonio (página 91-94)