{"id":340,"date":"2013-11-06T03:41:20","date_gmt":"2013-11-06T03:41:20","guid":{"rendered":"http:\/\/sedpi.com\/?p=340"},"modified":"2013-11-06T03:41:20","modified_gmt":"2013-11-06T03:41:20","slug":"character-and-capacity-based-lending","status":"publish","type":"post","link":"https:\/\/sedpi.com\/en\/character-and-capacity-based-lending\/","title":{"rendered":"Character and Capacity-Based Lending"},"content":{"rendered":"<p>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 as the basis for extending loans to them. The course enables participants to assess current client selection processes; articulate the principles of microfinance as guide for client selection; practice the use of cash flow and credit and background investigation; modify loan application forms to capture essential information that could be used to evaluate a client\u2019s character; and identify policy gaps to improve client selection and retention. The course hopes to improve the portfolio quality of microfinance institutions and at the same time provide better and more efficient financial services to their clients.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 as the basis for extending [&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-340","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>Character and Capacity-Based Lending - 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\/character-and-capacity-based-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Character and Capacity-Based Lending - Social Enterprise Development Partnerships, Inc.\" \/>\n<meta property=\"og:description\" content=\"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. 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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\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":337,"url":"https:\/\/sedpi.com\/en\/center-formation-and-loan-application-form\/","url_meta":{"origin":340,"position":1},"title":"Center Formation and Loan Application Form","author":"Mariel Vincent Rapisura","date":"November 6, 2013","format":false,"excerpt":"Outreach is important in achieving the dual mission of a microfinance institution, social mission and financial sustainability. Forming centers are crucial for microfinance institutions (MFIs) practicing group methodology. In addition, loan application form is crucial to assess the character of a potential microfinance client. The training on center formation and\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":307,"url":"https:\/\/sedpi.com\/en\/fundamentals-and-methodologies-of-microfinance\/","url_meta":{"origin":340,"position":2},"title":"Fundamentals and Methodologies of Microfinance","author":"Mariel Vincent Rapisura","date":"November 6, 2013","format":false,"excerpt":"The course offers more than the basics of microfinance. It introduces the concept of the microfinance triad \u2013 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 \u2013 Group\/Solidarity Lending, Village Banking and Individual\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":230,"url":"https:\/\/sedpi.com\/en\/participants-from-asian-countries-attend-ateneo-sedpi-training-events-in-cebu-city\/","url_meta":{"origin":340,"position":3},"title":"Participants from Asian Countries Attend Ateneo-SEDPI Training Events in Cebu City","author":"Mariel Vincent Rapisura","date":"June 18, 2012","format":false,"excerpt":"Two training events were conducted in Cebu City on June 18-23, 2012 under the Ateneo-SEDPI Microfinance Capacity Building Program. The trainings were held in partnership with Community Rural Bank of Catmon, SEDPI\u2019s training hub partner in Cebu. 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A total\u2026","rel":"","context":"In &quot;Microfinance&quot;","block_context":{"text":"Microfinance","link":"https:\/\/sedpi.com\/en\/category\/microfinance\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":18972,"url":"https:\/\/sedpi.com\/en\/philippine-microfinance-industry-estimates\/","url_meta":{"origin":340,"position":4},"title":"Philippine microfinance industry estimates","author":"Mariel Vincent Rapisura","date":"January 8, 2023","format":false,"excerpt":"The Bangko Sentral ng Pilipinas (BSP) defines microfinance as the provision of a broad range of financial services such as deposits, loans, payment services, money transfers and insurance products to the poor and low-income households, for their microenterprises and small businesses, to enable them to raise their income levels and\u2026","rel":"","context":"In &quot;Microfinance&quot;","block_context":{"text":"Microfinance","link":"https:\/\/sedpi.com\/en\/category\/microfinance\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/01\/philippine-microfinance-industry-estimates.png?fit=942%2C944&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/01\/philippine-microfinance-industry-estimates.png?fit=942%2C944&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/01\/philippine-microfinance-industry-estimates.png?fit=942%2C944&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/01\/philippine-microfinance-industry-estimates.png?fit=942%2C944&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":358,"url":"https:\/\/sedpi.com\/en\/delivering-pro-poor-financial-services-microcredit\/","url_meta":{"origin":340,"position":5},"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":[]}],"_links":{"self":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts\/340","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/comments?post=340"}],"version-history":[{"count":0,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts\/340\/revisions"}],"wp:attachment":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/media?parent=340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/categories?post=340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/tags?post=340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}