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The training was divided into 5 (five) main topics as follows: 1.
Philosophy of Micro Finance 2.
BRI Micro Credit Background 3.
Loan Procedures 4.
Loan Investigation and Analysis 5.
Loan Management and Risk Management The training was conducted through the in-class session and in-field
session, covering series of lectures, case study, group discussions,
assignments, observations and presentations. In-class training sessions During the first day of the training, the participants were given
exposure on the Philosophy on Micro finance, which is the first
topic of the training. In this session several sub topics are discussed,
i.e.: Micro Credit Objective, Principles of Micro Credit, Micro Credit
Development, Market for Micro Credit and Micro Credit Technology. These
subjects are aimed at providing the participants with some fundamental
issues, which must be taken into account if one wants to obtain a deep
understanding of micro credit practices. The second topic, which is BRI Micro Credit Background, highlighted
BRI’s particular micro credit system. The sub topics discussed during
this session covered BRI Micro credit Terminology and BRI Micro credit
Terms and Condition. The third topic, which talked about Loan Procedures, has provided the
participants with more technical issues. Loan Disbursement and Document
Filing are two main issues explained during this session. The fourth topic, which emphasized on Loan Investigation and Analysis,
also went down into deeper and more technical aspect of micro credit. The
sub topics discussed include 5C’s Analysis, Working Capital Loan
Analysis, Fixed Loan Analysis, Collateral, Recommendation and Approval.
During this session, the participant were also divided into groups and
given an assignment on loan investigation and analysis. Each group
presented its own view on this particular issue. In addition to the group
discussion, two case studies on Fixed Asset Loan Analysis and Working
Capital Loan Analysis were also thoroughly discussed. The last topic of the in-class sessions was Loan Management, which
particularly discussed about how to manage the loan and make it
sustainable. Issues related to this topic are Loan Monitoring, Write-Off,
Loan Rescue and Portfolio Quality. To enrich this session a subject of
Risk Management was also exclusively addressed. In -Field Training Session With the purpose of providing the participant with a full and complete
comprehension of a sustainable micro credit practices, an in-field
training session was carried out in Cisaat, Sukabumi, West Java. During
the field session, the participants visited a BRI Village Unit in
Cisaat, Sukabumi and they were given the opportunity to observe and
acquire information on the day-to-day operation of the bank unit. Detailed
information related with loan procedures, number of client, the bank
branch manager and credit officers conveyed loan investigation and loan
management. At the end of the in-field session, the participant paid a
visit to one of BRI’s clients who runs a small business of furniture and
proved to be quite successful in growing his business by utilizing the
loan from BRI. His payment record which turned out to be quite good made
it possible for him to get more loan from BRI in order to expand his
business. Questions and comments related to collateral, loan procedures,
business prospect and loan repayment were directly addressed by the
participants to the cline’s |