{"id":334,"date":"2013-11-06T03:40:06","date_gmt":"2013-11-06T03:40:06","guid":{"rendered":"http:\/\/sedpi.com\/?p=334"},"modified":"2013-11-06T03:40:06","modified_gmt":"2013-11-06T03:40:06","slug":"cash-flow-and-credit-and-background-investigation","status":"publish","type":"post","link":"https:\/\/sedpi.com\/en\/cash-flow-and-credit-and-background-investigation\/","title":{"rendered":"Cash Flow and Credit and Background Investigation"},"content":{"rendered":"<p>An important means to address delinquency is through proper client selection. Cash flow and credit and background investigation are techniques use to select clients properly. This course provides an in-depth discussion of two aspects of character and capacity-based lending: cash flow analysis and credit and background investigation (CI\/BI). The provision of microloans relies on these in approving loan applications because microentrepreneurs have little or no collateral, and the cost of collateral registration usually exceeds the amount of the loan. The course emphasizes the importance of client selection procedures in sustaining MFI operations. Many microfinance institutions face delinquency problems when inadequate attention is given to client selection. The training is participatory, with exercises on cash flow analysis and simulations of CI\/BI interviews. Participants will also be given tips for collection, client monitoring and follow-up.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>An important means to address delinquency is through proper client selection. Cash flow and credit and background investigation are techniques use to select clients properly. This course provides an in-depth discussion of two aspects of character and capacity-based lending: cash flow analysis and credit and background investigation (CI\/BI). The provision of microloans relies on these [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[1],"tags":[],"class_list":["post-334","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cash Flow and Credit and Background Investigation - Social Enterprise Development Partnerships, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sedpi.com\/en\/cash-flow-and-credit-and-background-investigation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cash Flow and Credit and Background Investigation - Social Enterprise Development Partnerships, Inc.\" \/>\n<meta property=\"og:description\" content=\"An important means to address delinquency is through proper client selection. 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Proper client selection will make microfinance institutions avoid several delinquency problems and will surely save a lot of their time and efforts in the future. For the second day of the credit competency training with\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2020\/04\/Picture6-1024x683.png?resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2020\/04\/Picture6-1024x683.png?resize=350%2C200 1x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2020\/04\/Picture6-1024x683.png?resize=525%2C300 1.5x"},"classes":[]},{"id":340,"url":"https:\/\/sedpi.com\/en\/character-and-capacity-based-lending\/","url_meta":{"origin":334,"position":1},"title":"Character and Capacity-Based Lending","author":"Mariel Vincent Rapisura","date":"November 6, 2013","format":false,"excerpt":"Most commercial financing institutions use asset-based or project-based lending since their target clients are those that have collateral and are able to craft business plans. However, microfinance clients neither have the assets nor the skills to qualify loans from traditional commercial funding sources. Thus, microfinance uses character and cash flow\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":358,"url":"https:\/\/sedpi.com\/en\/delivering-pro-poor-financial-services-microcredit\/","url_meta":{"origin":334,"position":2},"title":"Delivering Pro-Poor Financial Services: Microcredit","author":"Mariel Vincent Rapisura","date":"November 6, 2013","format":false,"excerpt":"In microfinance, credit is the main product demanded by low-income clients. It is also the source of an MFI\u2019s largest earning asset \u2013 the loan portfolio.\u00a0\u00a0This course starts with the definition and principles of microfinance.\u00a0\u00a0The course also discusses the characteristics of microfinance clients. Various methodologies in the provision of microcredit\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":305,"url":"https:\/\/sedpi.com\/en\/microfinance-training-courses\/","url_meta":{"origin":334,"position":3},"title":"Microfinance Training Courses","author":"Mariel Vincent Rapisura","date":"November 6, 2013","format":false,"excerpt":"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\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4430,"url":"https:\/\/sedpi.com\/en\/sir-vince-rapisura-trains-coops-shields-delinquency-remedial-management\/","url_meta":{"origin":334,"position":4},"title":"Sir Vince Rapisura trains coops on shields to delinquency, remedial management","author":"Emilenn Kate Sacdalan-Pate\u00f1o","date":"April 3, 2020","format":false,"excerpt":"For cooperatives who face a lot of risks, financial shields to delinquency must always be in place. 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The strategic credit and risk management course aims to help MFIs identify the different risks they are facing in the organization. This course helps microfinance institutions develop and improve the quality of their risk management processes. 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