Author: Mariel Vincent Rapisura

The financial analysis course starts with a presentation of basic financial statements and prescribed chart of accounts for microfinance institutions and the government. The heart of the course is the method for adjusting financial statements to account for subsidies, donations, inflation and adequate loan loss provisioning. Recognizing these adjustments to the financial statement reveals the…

Delinquency is one of the major challenges that microfinance institutions face. The course enables participants to understand delinquency by tracing its causes and costs. To hasten appreciation of delinquency, it offers various perspectives on delinquency from the vantage point of the borrowers and the microfinance institution. Participants will also be taught on how to measure…

The financial product design and development course uses market-based or demand-led approaches. The framework to be discussed outlines research methodologies using participatory rapid appraisal techniques to determine the needs of the market; assess institutional readiness for product development; and assess competitive advantage of product prototypes. The course extends the whole process of product design and…

The course offers more than the basics of microfinance. It introduces the concept of the microfinance triad – savings, loans and investments. The course offers a deeper understanding of the fundamentals and principles of microfinance coupled with an appreciation of various microfinance methodologies – Group/Solidarity Lending, Village Banking and Individual Lending. The course also describes…

Fundamentals and Methodologies of Microfinance Market-Based Financial Product Design and Development Delinquency Management Financial Analysis Accounting for Non-Accountants Branch Audit Branch Operations Branch Viability Business Development Services Business Planning for Microenterprises Cash Flow and Credit and Background Investigation Center Formation and Loan Application Process Character and Capacity-Based Lending Color-coded Bookkeeping System Conflict Management Customer Care…

Clarice finished her undergraduate degree in Sociology at the University of the Philippines Diliman, emerging as one of the honor students in her batch. Having finished her course in October, she then became a Research Assistant to her thesis adviser and then shifted her employment path from academe into corporate setting when she worked for…

Ann Carl Bailey graduated Cum Laude with a degree in Business Management Honors from the Ateneo de Naga University. Prior to joining SEDPI, she first worked as a business process associate for an insurance company. She later realized that her interests lie in development sector so she got involved with the eSkwela Project, a UNESCO Awardee…

Melinda Gabuya holds a Bachelor’s Degree in Legal Management and a minor degree in Cultural Heritage Studies from the Ateneo de Manila University. Prior to SEDPI, she worked for Smarter Good—a US Ashoka Fellow-led global enterprise that provides program and administrative services for social enterprises and non-profit organizations abroad. Her passion for the culture and…

Maria Kharmita Lising graduated from Ateneo de Manila University with a Bachelor of Arts major in Management Economics and minor in Financial Management. During college, she was involved in different socially-oriented organizations. She was Vice President for Projects of the Ateneo Special Education Society (SPEED), an organization that caters to children with special needs. Shortly…

Denise Subido graduated cum laude from Ateneo de Davao University (ADDU) with a degree in International Studies, major in Asian Studies.  She has worked as a research assistant to several sociology professors in ADDU and has interned with United Nations Development Program – Action for Conflict Transformation (UNDP-ACT) and the Philippine Overseas Employment Agency (POEA).…