Asset Elevation: Asset Financing & Leasing Models for SACCOs Training Course
Introduction
Asset financing represents a powerful growth engine for SACCOs, enabling members to acquire essential tools, machinery, and vehicles that are critical for business expansion and improved livelihoods. This specialized training course is designed to equip credit professionals and leaders with the strategic knowledge and practical tools to design, launch, and manage a profitable and impactful portfolio of asset financing products. By providing this crucial access to capital for productive assets, SACCOs can diversify their loan portfolio and strengthen their role as a key partner in their members' economic development.
This intensive program offers a clear and actionable roadmap for the entire asset financing lifecycle, from market assessment and product innovation to risk mitigation and portfolio management. Participants will gain the skills to conduct a thorough financial analysis, value assets correctly, and leverage technology to streamline the lending process. This is an essential course for any SACCO committed to building a resilient, profitable, and mission-aligned loan portfolio that serves the tangible needs of its entrepreneurial members.
Duration 5 days
Target Audience This course is for SACCO credit officers, loan managers, product development teams, risk managers, and senior executives responsible for lending and strategic planning.
Objectives
- To understand the principles and market opportunities of asset financing and leasing.
- To master a systematic approach to designing and launching new, asset-based loan products.
- To develop and apply a comprehensive framework for assessing the creditworthiness of asset financing applicants.
- To understand the legal and regulatory framework for asset financing and ownership.
- To create a robust framework for managing and monitoring a portfolio of asset-backed loans.
- To identify and mitigate specific risks associated with asset financing.
- To leverage technology for efficient loan origination, monitoring, and collateral tracking.
- To analyze the financial performance and social impact of asset financing.
- To ensure all products comply with regulatory and ethical standards.
- To champion a culture of innovation and entrepreneurship-focused lending.
Course Modules
Module 1: The Foundations of Asset Financing
- Defining asset financing and its different forms (e.g., hire purchase, direct loan).
- The business case for asset financing for SACCOs and members.
- The key differences between asset financing and traditional lending.
- The role of asset financing in stimulating small business growth.
- Case studies of successful asset financing programs.
Module 2: Product Design & Features
- Designing flexible loan terms and repayment schedules tailored to asset use.
- The role of asset type and value in product features.
- How to incorporate down payments and member contributions.
- The importance of a clear and transparent application and approval process.
- Prototyping and testing product concepts.
Module 3: Borrower Assessment & Financial Analysis
- Moving beyond traditional credit reports to assess a borrower's business plan.
- Techniques for analyzing business cash flow and profitability.
- The importance of a site visit and physical verification of the business.
- Using financial projections to assess a borrower's capacity.
- The role of a credit officer in gathering qualitative information.
Module 4: Asset Valuation & Verification
- The principles of asset valuation and different valuation methods.
- The importance of working with qualified appraisers.
- The process of verifying asset ownership and legal status.
- Conducting a physical inspection of the asset.
- Policies for valuing and managing different asset classes (e.g., vehicles, machinery).
Module 5: Collateral & Asset Risk Management
- The legal framework for a SACCO's security interest in an asset.
- The process of perfecting a security interest through legal registration.
- Identifying risks such as depreciation, damage, and obsolescence.
- The role of insurance in mitigating asset risk.
- Strategies for asset repossession and disposal upon default.
Module 6: Pricing & Financial Modeling
- Understanding the relationship between asset financing pricing and profitability.
- Analyzing the cost of capital and operational expenses.
- Setting a profitable yet fair interest rate and fee structure.
- The concept of a risk-adjusted return on an asset loan.
- The art of balancing member affordability with institutional sustainability.
Module 7: Technology & Automation
- Leveraging a loan management system to automate asset financing.
- The role of mobile and digital tools for asset tracking and verification.
- Implementing a dashboard for real-time portfolio monitoring.
- How technology can streamline the origination and servicing workflow.
- The future of IoT and GPS tracking in asset finance.
Module 8: Legal & Regulatory Framework
- The legal process for asset financing agreements.
- Understanding key terms and conditions in a loan agreement.
- Navigating government regulations and reporting requirements.
- The legal process for loan recovery and dispute resolution.
- Ensuring all products and policies adhere to fair lending principles.
Module 9: Strategic Portfolio Analysis
- Segmenting the asset financing portfolio for targeted risk management.
- Analyzing the concentration risk within different asset classes.
- The impact of non-performing asset loans on the SACCO's capital.
- Using data to inform future lending policies.
- The link between asset financing and overall profitability.
Module 10: Capstone Project: An Asset Financing Plan
- Participants will work in teams to design and present a new asset financing product for a SACCO case study.
- They will conduct a needs analysis, design the product features, and develop a launch plan.
- Teams will present their proposal to a mock "Credit Committee," discussing profitability and social value.
- This module provides a hands-on opportunity to apply the concepts from all modules.
- The project prepares participants to successfully launch a new asset financing model.
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
Asset Elevation: Asset Financing & Leasing Models For Saccos Training Course in Honduras
| Dates | Fees | Location | Action |
|---|---|---|---|
| 06/10/2025 - 10/10/2025 | $1,750 | Mombasa |
|
| 13/10/2025 - 17/10/2025 | $1,500 | Nairobi |
|
| 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 | $1,500 | Nairobi |
|
| 08/12/2025 - 12/12/2025 | $1,750 | Mombasa |
|
| 05/01/2026 - 09/01/2026 | $1,750 | Mombasa |
|
| 12/01/2026 - 16/01/2026 | $1,500 | Nairobi |
|
| 26/01/2026 - 30/01/2026 | $1,500 | Nairobi |
|
| 02/02/2026 - 06/02/2026 | $4,000 | Pretoria |
|
| 09/02/2026 - 13/02/2026 | $1,500 | Nairobi |
|
| 23/02/2026 - 27/02/2026 | $1,500 | Nairobi |
|
| 02/03/2026 - 06/03/2026 | $1,500 | Nairobi |
|
| 16/03/2026 - 20/03/2026 | $1,750 | Mombasa |
|
| 23/03/2026 - 27/03/2026 | $1,500 | Nairobi |
|
| 06/04/2026 - 10/04/2026 | $4,950 | Dubai |
|
| 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 |
|
| 18/05/2026 - 22/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 25/09/2026 | $1,500 | Nairobi |
|
| 01/06/2026 - 05/06/2026 | $1,500 | Nairobi |
|
| 08/06/2026 - 12/06/2026 | $2,900 | Kigali |
|
| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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