Navigating Financial Currents: A Guide to Liquidity Management in SACCOs Training Course
Introduction
For a SACCO, liquidity is the lifeblood of its operations. It represents the ability to meet financial obligations as they come due, from daily member withdrawals to loan disbursements and operational expenses. Inadequate liquidity can lead to a crisis of confidence, jeopardize a SACCO's reputation, and ultimately threaten its survival. On the other hand, maintaining excessive liquidity can result in lost earnings from idle funds. Finding the perfect balance—ensuring funds are available without sacrificing profitability—is a critical skill that requires a deep understanding of cash flow dynamics and strategic financial planning.
This intensive, five-day training course is designed to equip you with the essential tools and knowledge to expertly manage your SACCO’s liquidity. You will learn to proactively monitor cash flows, implement effective policies, and use data-driven insights to maintain financial stability. By mastering these concepts, you will be able to confidently navigate unpredictable financial currents, optimize your SACCO’s asset and liability structure, and build a more resilient and trustworthy institution for your members.
Duration 5 days
Target Audience This course is for SACCO finance managers, treasury officers, risk managers, investment managers, internal auditors, and senior executives responsible for financial stability and balance sheet management.
Objectives
- To understand the core principles of liquidity management.
- To identify and monitor key liquidity risk indicators.
- To develop and implement an effective liquidity management policy.
- To forecast and manage daily, weekly, and monthly cash flow.
- To understand the different sources of liquidity available to a SACCO.
- To master the use of liquidity ratios to assess financial health.
- To create a contingency funding plan for unforeseen circumstances.
- To analyze the impact of different loan and savings products on liquidity.
- To use technology to automate liquidity monitoring and reporting.
- To understand the role of regulatory requirements in liquidity management.
Course Modules
Module 1: Fundamentals of Liquidity
- What is liquidity and why is it crucial for a SACCO?
- The difference between funding liquidity risk and market liquidity risk.
- The balance between liquidity, profitability, and solvency.
- The cost of holding excess liquidity.
- Identifying the primary drivers of cash inflows and outflows.
Module 2: Liquidity Risk Measurement
- Key liquidity ratios and how to calculate them (e.g., loan-to-deposit ratio).
- Using the maturity ladder to analyze cash flow mismatches.
- The importance of stress testing liquidity positions.
- Monitoring key liquidity metrics on a daily and weekly basis.
- Case studies on past liquidity crises and their causes.
Module 3: Forecasting Cash Flows
- The process of creating a reliable cash flow forecast.
- Differentiating between short-term and long-term forecasts.
- Techniques for forecasting member deposits and loan disbursements.
- How to incorporate seasonal trends and other variables.
- The importance of regularly updating your forecast.
Module 4: Funding & Sources of Liquidity
- The role of member deposits as the primary source of funds.
- Understanding external sources of liquidity, such as inter-SACCO loans.
- The use of loan securitization and other innovative funding methods.
- Managing the cost of different funding sources.
- The importance of a diversified funding base.
Module 5: Liquidity Management Policies & Procedures
- Developing a clear and comprehensive liquidity management policy.
- Establishing internal limits and controls for liquidity risk.
- The role of the liquidity management committee.
- Creating a robust reporting and monitoring framework.
- Best practices in corporate governance for liquidity.
Module 6: Contingency Funding Plan (CFP)
- Why a contingency funding plan is essential.
- Identifying potential stress events (e.g., sudden deposit withdrawals).
- The key components of a comprehensive CFP.
- The process of identifying and pre-arranging emergency funding sources.
- How to communicate the CFP to key stakeholders.
Module 7: The Interplay of Assets and Liabilities
- Understanding the asset-liability mismatch in SACCOs.
- How lending and investment policies impact liquidity.
- Strategies for managing the maturity profile of assets and liabilities.
- The use of loan portfolio management to improve liquidity.
- The impact of product development on the balance sheet.
Module 8: Technology in Liquidity Management
- How financial management software can automate liquidity reporting.
- Using data analytics to predict cash flow patterns.
- The benefits of real-time monitoring of key liquidity metrics.
- Exploring tools for scenario analysis and stress testing.
- The role of technology in improving decision-making speed.
Module 9: Regulatory Framework
- Overview of the regulatory body's requirements for liquidity.
- Understanding the key liquidity ratios mandated by regulations.
- The process of reporting on liquidity to regulatory authorities.
- The consequences of failing to meet regulatory requirements.
- Staying updated on changes in liquidity regulations.
Module 10: Capstone Project: Liquidity Assessment
- Participants will work in teams on a case study SACCO.
- They will analyze the SACCO’s liquidity position using provided financial data.
- Teams will identify key liquidity risks and propose solutions.
- They will develop a simplified contingency funding plan for the case study.
- The final project will be a presentation of their findings and recommendations.
CERTIFICATION
- Upon successful completion of this training, participants will be issued with Macskills Training and Development Institute Certificate
TRAINING VENUE
- Training will be held at Macskills Training Centre. We also tailor make the training upon request at different locations across the world.
AIRPORT PICK UP AND ACCOMMODATION
- Airport Pick Up is provided by the institute. Accommodation is arranged upon request
TERMS OF PAYMENT
Payment should be made to Macskills Development Institute bank account before the start of the training and receipts sent to info@macskillsdevelopment.com
For More Details call: +254-114-087-180
Navigating Financial Currents: A Guide To Liquidity Management In Saccos Training Course in Colombia
| Dates | Fees | Location | Action |
|---|---|---|---|
| 06/10/2025 - 10/10/2025 | $1,750 | Mombasa |
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| 13/10/2025 - 17/10/2025 | $1,500 | Nairobi |
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| 27/10/2025 - 31/10/2025 | $1,500 | Nairobi |
|
| 03/11/2025 - 07/11/2025 | $2,900 | Kigali |
|
| 10/11/2025 - 14/11/2025 | $1,500 | Nairobi |
|
| 24/11/2025 - 28/11/2025 | $1,500 | Nairobi |
|
| 01/12/2025 - 05/12/2025 | $1,750 | Mombasa |
|
| 08/12/2025 - 12/12/2025 | $1,500 | Nairobi |
|
| 05/01/2026 - 09/01/2026 | $1,750 | Mombasa |
|
| 12/01/2026 - 16/01/2026 | $1,500 | Nairobi |
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| 26/01/2026 - 30/01/2026 | $1,500 | Nairobi |
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| 02/02/2026 - 06/02/2026 | $4,000 | Pretoria |
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| 09/02/2026 - 13/02/2026 | $1,500 | Nairobi |
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| 23/02/2026 - 27/02/2026 | $1,500 | Nairobi |
|
| 02/03/2026 - 06/03/2026 | $1,750 | Mombasa |
|
| 16/03/2026 - 20/03/2026 | $1,500 | Nairobi |
|
| 23/03/2026 - 27/03/2026 | $1,500 | Nairobi |
|
| 06/04/2026 - 10/04/2026 | $2,900 | Kigali |
|
| 13/04/2026 - 17/04/2026 | $1,500 | Nairobi |
|
| 20/04/2026 - 24/04/2026 | $1,500 | Nairobi |
|
| 04/05/2026 - 08/05/2026 | $1,750 | Mombasa |
|
| 11/05/2026 - 15/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 01/06/2026 - 05/06/2026 | $2,900 | Kigali |
|
| 08/06/2026 - 12/06/2026 | $1,500 | Nairobi |
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| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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