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SME Lending Strategy & Microfinance Risk Assessment

Training SME Lending Strategy & Microfinance Risk Assessment

DESKRIPSI Training SME Lending Strategy & Microfinance Risk Assessment

Dalam industri perbankan, pembiayaan sektor Small and Medium Enterprises (SME) dan microfinance menjadi salah satu pendorong utama pertumbuhan ekonomi sekaligus portofolio bisnis strategis bagi perbankan. Namun, segmen ini memiliki karakteristik risiko yang berbeda dibanding corporate lending, mulai dari keterbatasan data keuangan, cash flow volatility, hingga risiko operasional dan moral hazard.

TUJUAN Training SME Lending Strategy & Microfinance Risk Assessment

• Memahami karakteristik bisnis SME dan microfinance.
• Menyusun strategi lending yang efektif dan prudent.
• Melakukan analisis kredit dan penilaian kelayakan debitur SME.
• Mengidentifikasi serta mengukur risiko pembiayaan mikro dan SME.
• Melakukan monitoring kualitas portofolio kredit.
• Menyusun strategi mitigasi NPL pada segmen SME dan mikro.

MATERI Training SME Lending Strategy & Microfinance Risk Assessment

1. Overview SME Banking & Microfinance Industry
   • Peran SME dan microfinance dalam industri perbankan
   • Market segmentation SME dan micro lending
   • Karakteristik nasabah SME dan mikro
   • Business model lending untuk SME banking
2. SME Lending Strategy Development
   • Strategic lending framework
   • Target market selection dan portfolio strategy
   • Sectoral financing approach
   • Loan product design untuk SME dan mikro
   • Pricing strategy dan risk-based lending
3. Credit Assessment for SME Financing
   • 5C & 7P analysis for SME borrowers
   • Business feasibility analysis
   • Cash flow based lending analysis
   • Working capital assessment
   • Investment loan analysis
   • Financial statement analysis for SME
4. Microfinance Risk Assessment
   • Credit risk in microfinance
   • Operational risk in micro lending
   • Fraud risk & moral hazard identification
   • Portfolio concentration risk
   • Collection risk assessment
5. Collateral Management & Loan Security
   • Types of collateral for SME financing
   • Collateral valuation principles
   • Legal documentation & credit administration
   • Security perfection and enforceability
6. Loan Approval & Credit Structuring
   • Credit proposal preparation
   • Credit decision making process
   • Loan structuring techniques
   • Covenant setting and monitoring parameters
7. Portfolio Monitoring & Early Warning System
   • Portfolio quality indicators
   • PAR (Portfolio at Risk) analysis
   • Early warning signals identification
   • Monitoring borrower performance
   • Site visit & business review techniques
8. Non-Performing Loan (NPL) Management
   • NPL identification and classification
   • Restructuring strategies for SME loans
   • Collection and recovery strategy
   • Legal recovery process basics
9. Digital Lending & Alternative Credit Scoring
   • Digital micro lending ecosystem
   • Alternative data for SME credit scoring
   • Fintech collaboration in SME financing
   • AI and analytics in lending decision
10. Case Study & Simulation
    • SME credit case analysis
    • Loan proposal evaluation
    • Risk rating simulation
    • Problem loan handling case discussion

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