Schedule

This course covers the key topics in the sphere of financial analysis of micro enterprises. The course consists of eight lessons: the credit cycle and data collection algorithm; analysis of financial statements of an enterprise; analysis of a borrower’s business activities; cross-checking; financial ratios; comparative analysis of equity.

This course primarily addresses employees who want to serve a larger client segment, understand the specific features of acquiring micro, small and medium-sized business clients. The program focuses on identifying and attracting suitable clients for financial institutions, building long-term client relationships and reaching small and medium-sized businesses, as well as on the difference between mass sales approaches used for retail, micro and small business clients, and approaches applied for larger customers.

The course introduces approaches to work with current borrowers of financial institutions. It covers the following topics: monitoring aimed at the timely identification of possible difficulties and problems faced by borrowers in order to prevent arrears; working with problem clients; specifics of working with borrowers with an onset of an economic crisis and a general economic downturn.

This course addresses such issues as the effects of corporate governance in an organization; the basic principles of effective corporate governance; the concept of risk management; who manages risks and why; the benefits of risk management. The course also dwells on the issue of risk management in financial institutions. The course targets a wide range of students who want to familiarize themselves with corporate governance and risk management systems from a general and broad perspective.

The purpose of the course "General Communication" is to inform students about communication basics that are important for successful and effective communication.

After completing the course, you will be better able to understand how to achieve mutual understanding with other people, how to avoid misunderstanding, and learn about the various methods of receiving and transmitting information effectively.

Good communication skills are needed in almost any business, including in the sphere of financial services.

In this course, you will learn how to communicate with clients effectively and will have the opportunity to develop your practical communication skills in real-life situations: when making a phone call, in business meetings and a visit to a client.

This course is devoted to the topic of decision making on loans for micro, small and medium-sized enterprises. The course introduces the decision-making process and its specifics for different small business segments; it covers all stages of the decision-making process - from initial analysis of a loan resume and credit file to the decision-making proper and setting the contract terms and conditions for  a concrete transaction. The course targets staff of financial institutions who are, or will be, involved in decision-making on small business loan applications.

The purpose of the course is to familiarize users with the main types of agricultural activities and their characteristics, as well as with the specific features of agrilending that make agricultural borrowers different from the borrowers engaged in other types of activities.

Upon completion of the course, you will know: the main characteristics of crop and livestock production, the approaches of financial institutions to the analysis of farmers and small agribusinesses, what information should be subjected to cross-checking, the specifics of compiling analytical reports of agricultural clients, the main risks in agriculture and ways to optimize them when lending to agro clients.

Financial math is not just about formulas. It is also about practical assignments that reflect processes that take place in the financial world. This financial math course answers such questions as: “How does money value change with time, and why does it happen?”, “What kind of repayment schedule can we offer clients?”, “Why can loan agreements contain two interest rates?”, “How can you calculate the effective loan interest rate and the effective deposit rate?”,“What are the best conditions for the client?”,“How can you calculate penalty interest in case a borrower’s default on a loan?”.

The topics of the course are presented taking into account the national business practices and laws of Central Asian countries.

The course is intended for a wide range of specialists. It will be especially useful for employees with little experience who work directly with clients on deposits and/or loans.

The course introduces you to professional subtleties of data consolidation in the process of analysis of small and medium-sized enterprises (SMEs). Upon completion of the course, you will know how to compile a consolidated balance sheet, an profit and loss statement and a cash flow statement. You will learn about VAT and how to deal with it in the process of consolidation. You will learn about the relationship between financial statements and how it can be used for data verification: you will learn to apply crosschecking formulas based on the relationship between financial statements and the indirect cash flow statement compilation.

The goal of this course is to help you master the art of sales and become an excellent sales expert. The course covers such issues as the interests of sellers and buyers, sales channels, specifics of selling financial products and services, differences in sales to MSME clients, stages of sales during an individual meeting with a client and sales techniques.

The course introduces the reader to EBRD's environmental and social (E&S) policy and E&S risk management procedures for SME loans and micro loans. EBRD developed its E&S risk management procedures to help financial institutions better manage the risks that may arise from environmental and social risks associated with the projects they finance.

The course consists of 4 lessons: Environmental and Social Risks: General Information; EBRD’s Performance Requirements to Financial Institutions: Brief Overview; EBRD's Approach to Environmental and Social Risk Assessment for Micro Loans; EBRD's Approach to Environmental and Social Risk Assessment for SME Loans.

This course is dedicated to the study of basic techniques for recognizing and managing your own and the emotions of others. The course provides practical advice for increasing emotional competence when interacting with colleagues, friends, and, of course, when serving MSME clients.

The course consists of 8 lessons grouped into 4 topics.

The objective of the food security course is to provide students with an understanding of current food security and agricultural issues and how mobilizing private sector financing and value chain financing mechanisms can help mitigate current challenges.
Upon completion of the course, you will be better able to understand food security issues and linkages to agriculture and how agricultural value chain finance can be used to finance agriculture.

This course is designed to deliver practical knowledge on gender responsive financial services to help FI employees to develop/provide financial products and services to the target Women in Business clients (new and existing clients), addressing their specific needs in order to successfully grow the market share and loan portfolio.

The course consists of 9 lessons grouped into 3 modules.

The test is part of the “Micro and Small Enterprise Finance” certification program. The certification program allows employees of financial institutions to confirm their knowledge in the field of MSE financing. The program includes four online courses listed below and one certification test.

1. Microlending basics;
2. Monitoring of borrowers and working with problem clients;
3. General communication;
4. Communication with MSME clients.

Only users who have successfully completed these four courses will have access to registration for the certification test.

This online tutorial is designed to reinforce theoretical knowledge about balance sheet and profit and loss (P&L) compilation studied in the "Microlending Basics" online course. The tutorial includes a number of case studies that will help participants to practice application of their theoretical knowledge.

The tutorial consists of seven tasks and a self-test.

This online tutorial is designed for further consolidation of knowledge gained by learners from the “Microlending basics” theoretical online course. The tutorial dwells on the practical aspects of compilation of Cash Flow Statements (Cash Flow) and Profit and Loss Statements (P&L) and on their difference. The purpose of the tutorial is to help learners develop the skill of applying theoretical knowledge into practice by completing a number of practical assignments. The tutorial deals with business activities of the trade and services sectors.  

The tutorial consists of six tasks and a self-test.  

This online tutorial focuses on the practical aspects of compiling a balance sheet, a profit and loss statement (P&L), and a cash flow statement (Cash Flow) for clients operating in the field of production. The main purpose of the tutorial is to help learners understand the specificity of production clients of the micro and small segment (MSEs) by practicing compilation of financial statements and product cost calculation on the basis of a number of case studies.

The tutorial includes five case studies.

The online tutorial consists of six tasks, starting with tasks aimed at consolidating knowledge about different types of accounts receivable and payable of MSE clients, followed by the analysis of trial balance sheets with the aim of identifying overdue receivables and tasks related to analyzing the quality of accounts receivable and payable.

At the end of the tutorial, students are offered to take a self-test.

The tutorial focuses on two topics: “Data cross-checking” and “Financial Ratios”. The purpose of the tutorial is to enable learners to apply theoretical knowledge to the solution of practical assignments. The tutorial aims to consolidate knowledge on these topics based on practical case studies on the calculation and analysis of financial ratios, comparative analysis of owner’s equity, application of various additional data cross-checking tools.

The tutorial consists of six tests and a self-test.