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Microfinance and SME Lending Management

Training Microfinance and SME Lending Management

DESKRIPSI Training Microfinance and SME Lending Management

Sektor mikro, kecil, dan menengah (SME) memiliki peran strategis dalam pertumbuhan ekonomi nasional dan menjadi salah satu fokus utama pembiayaan perbankan. Namun, pengelolaan kredit mikro dan SME memerlukan strategi khusus, mulai dari analisis kelayakan usaha, mitigasi risiko kredit, monitoring portofolio, hingga strategi collection yang efektif.

TUJUAN Training Microfinance and SME Lending Management

• Memahami konsep microfinance dan SME lending
• Menguasai teknik analisis kredit mikro dan SME
• Mengidentifikasi risiko pembiayaan sektor mikro dan SME
• Menyusun strategi monitoring dan collection kredit
• Mengoptimalkan kualitas portofolio kredit

MATERI Training Microfinance and SME Lending Management

1. Introduction to Microfinance and SME Banking
   • Konsep dasar microfinance
   • Karakteristik bisnis SME
   • Peran perbankan dalam pembiayaan SME
   • Market opportunity and challenges
2. SME Credit Assessment
   • Analisis profil debitur
   • Business feasibility analysis
   • Financial statement analysis for SME
   • Cash flow assessment
3. Credit Risk Analysis
   • Identifikasi risiko kredit SME
   • 5C and 7P credit analysis
   • Risk rating system
   • Early warning signals
4. Loan Structuring and Approval Process
   • Penentuan struktur pembiayaan
   • Loan terms and conditions
   • Collateral management
   • Credit approval workflow
5. Portfolio Management
   • Managing SME loan portfolio
   • Portfolio diversification strategy
   • Asset quality management
   • Portfolio performance indicators
6. Monitoring and Loan Supervision
   • Post-disbursement monitoring
   • Site visit and customer review
   • Loan utilization monitoring
   • Performance review mechanism
7. Collection and Recovery Strategy
   • Collection management process
   • Handling overdue accounts
   • Restructuring and rescheduling
   • Recovery strategy for NPL
8. Digital Innovation in SME Lending
   • Digital loan processing
   • Alternative credit scoring
   • Fintech collaboration
   • Data analytics in SME lending

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