HomeFront: Micro-Mortgages for Cooperative Members Training Course
Introduction
Access to affordable housing is a fundamental need for many SACCO members, and micro-mortgages provide a critical pathway to homeownership. 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 socially impactful micro-mortgage portfolio. By tailoring loan products to the unique financial realities of lower-income members, this program enables SACCOs to fulfill their core mission of member empowerment while building a new, sustainable revenue stream.
This intensive program offers a clear and actionable roadmap for the entire micro-mortgage lifecycle, from member-centric product design to risk mitigation and portfolio management. Participants will gain the skills to assess non-traditional creditworthiness, manage long-term loan portfolios, and navigate the specific legal and regulatory landscape of property finance. This is an essential course for any SACCO committed to enhancing its social impact, expanding its product offerings, and securing its position as a vital partner in its members' long-term financial well-being.
Duration 5 days
Target Audience This course is for SACCO credit managers, loan officers, product development teams, risk managers, legal officers, and senior executives involved in strategic planning and mortgage lending.
Objectives
- To understand the principles and market opportunities of micro-mortgage lending.
- To master a systematic approach to identifying and meeting member housing needs.
- To design and launch flexible micro-mortgage products for diverse member segments.
- To develop and apply a non-traditional credit assessment framework for micro-mortgage applicants.
- To understand the legal and regulatory framework for property-based lending.
- To create a robust framework for managing long-term loan portfolios.
- To leverage technology for efficient loan origination and servicing.
- To analyze the financial performance and social impact of the micro-mortgage portfolio.
- To mitigate risks specific to micro-mortgage lending.
- To champion a culture that balances financial prudence with social mission.
Course Modules
Module 1: The Micro-Mortgage Opportunity
- Defining micro-mortgages and their relevance to SACCOs.
- The business case for micro-mortgages: new members, revenue, and social impact.
- The global push for affordable housing solutions.
- Identifying different types of housing finance needs.
- Case studies of successful micro-mortgage programs worldwide.
Module 2: Member Needs & Product Strategy
- Techniques for conducting market research on housing needs.
- Analyzing member demographics and financial capacity.
- The role of cultural and community factors in housing finance.
- Sizing the market for various micro-mortgage products.
- Aligning micro-mortgage products with the SACCO's mission and risk appetite.
Module 3: Designing Micro-Mortgage Products
- Designing flexible repayment schedules for low-income borrowers.
- The role of loan size and interest rates in product appeal.
- How to incorporate down payment assistance or other subsidies.
- The importance of a clear and simple application process.
- Prototyping and testing micro-mortgage concepts with a small group of members.
Module 4: Risk Analysis for Micro-Mortgages
- Identifying risks specific to micro-mortgages (e.g., property valuation risk, legal risk).
- The importance of non-traditional credit assessment.
- Mitigating risks through project verification and quality checks.
- The role of collateral and legal documentation in mortgage lending.
- Analyzing the financial viability of a housing project.
Module 5: Technology & Servicing
- Leveraging a loan management system to track micro-mortgages.
- The role of mobile and digital tools for loan servicing.
- Implementing a dashboard for real-time portfolio monitoring.
- Ensuring the security and privacy of member data.
- Integrating new products with existing SACCO technology.
Module 6: Legal & Regulatory Framework
- The legal process for property-based lending.
- The importance of title searches and property valuation reports.
- Understanding and creating a clear mortgage agreement.
- Navigating government regulations and reporting requirements.
- The legal process for loan recovery and foreclosure.
Module 7: Launch & Marketing
- Developing a strategic launch plan for a new micro-mortgage product.
- The role of marketing and communication in generating awareness.
- Training front-line staff on the features and benefits of the new product.
- Creating a clear and transparent value proposition for members.
- Using a phased rollout to manage risk and gather feedback.
Module 8: Performance Monitoring & Analytics
- Establishing key performance indicators (KPIs) for micro-mortgage products.
- Tracking loan volume, repayment rates, and profitability.
- Using data to identify areas for improvement and innovation.
- The role of member feedback in product performance analysis.
- Creating a dashboard for real-time performance monitoring.
Module 9: Social & Financial Impact
- Quantifying the social and financial benefits of micro-mortgages.
- Measuring the impact on members' lives and the community.
- The importance of a clear reporting framework for sustainability.
- Using impact data to tell a compelling story to members and stakeholders.
- The link between social impact and financial performance.
Module 10: Capstone Project: A Mortgage Launch
- Participants will work in teams to design and present a new micro-mortgage 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 "Product 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 new mortgage products in their own SACCO.
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
Homefront: Micro-mortgages For Cooperative Members Training Course in Korea (Democratic People's Republic of)
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|---|---|---|---|
| 06/10/2025 - 10/10/2025 | $1,750 | Mombasa |
|
| 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 | $1,750 | Mombasa |
|
| 10/11/2025 - 14/11/2025 | $1,500 | Nairobi |
|
| 24/11/2025 - 28/11/2025 | $1,500 | Nairobi |
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| 01/12/2025 - 05/12/2025 | $1,750 | Mombasa |
|
| 08/12/2025 - 12/12/2025 | $1,500 | Nairobi |
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| 05/01/2026 - 09/01/2026 | $1,750 | Mombasa |
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| 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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| 16/02/2026 - 20/02/2026 | $1,500 | Nairobi |
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| 23/02/2026 - 27/02/2026 | $1,500 | Nairobi |
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| 02/03/2026 - 06/03/2026 | $1,750 | Mombasa |
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| 16/03/2026 - 20/03/2026 | $1,500 | Nairobi |
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| 23/03/2026 - 27/03/2026 | $1,500 | Nairobi |
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| 06/04/2026 - 10/04/2026 | $4,950 | Dubai |
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| 13/04/2026 - 17/04/2026 | $1,500 | Nairobi |
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| 20/04/2026 - 24/04/2026 | $1,500 | Nairobi |
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| 04/05/2026 - 08/05/2026 | $2,900 | Kigali |
|
| 11/05/2026 - 15/05/2026 | $1,500 | Nairobi |
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| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
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| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
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| 01/06/2026 - 05/06/2026 | $2,900 | Kigali |
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| 15/06/2026 - 19/06/2026 | $1,500 | Nairobi |
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| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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