Unlocking Growth: The Ultimate Guide to Profitability Analysis & ROI for SACCO Products Training Course
Introduction
For a SACCO to thrive in a dynamic market, it must do more than simply offer a wide range of products; it must understand which of those products are truly contributing to its financial health. Profitability analysis goes beyond basic revenue and expense tracking by providing a detailed view of a product’s lifecycle, from its initial investment to its long-term return on investment (ROI). It allows for data-driven decisions on product development, pricing, and resource allocation, ensuring that the SACCO's efforts are focused on the most lucrative opportunities.
This intensive, five-day training course is designed to empower SACCO professionals with the analytical skills needed to evaluate the true profitability of their products and services. You will learn to calculate and interpret critical metrics, identify underperforming products, and use this knowledge to drive strategic decisions that enhance overall financial performance. By the end of this program, you will be able to transform your SACCO’s product portfolio from a collection of offerings into a powerful engine for sustained growth and profitability.
Duration 5 days
Target Audience This course is for SACCO product managers, finance professionals, strategic planners, marketing officers, and senior management responsible for product development and financial performance.
Objectives
- To understand the core concepts of profitability analysis and ROI.
- To identify all direct and indirect costs associated with a SACCO product.
- To calculate the profitability of individual loan and deposit products.
- To measure the return on investment for new product initiatives.
- To use profitability analysis to inform product pricing and strategy.
- To identify and manage a product portfolio to maximize profitability.
- To develop a process for discontinuing unprofitable products.
- To understand the impact of member behavior on product profitability.
- To use data analytics to monitor and report on product performance.
- To develop a framework for continuous product profitability review.
Course Modules
Module 1: Foundations of Profitability
- The difference between revenue, profit, and profitability.
- Key profitability metrics and ratios for financial institutions.
- Identifying direct and indirect costs for a SACCO product.
- The time value of money and its role in product analysis.
- The link between profitability, growth, and member value.
Module 2: Analyzing Loan Product Profitability
- Calculating the net interest margin (NIM) for a loan product.
- Incorporating loan loss provisions into profitability calculations.
- The impact of loan processing and servicing costs.
- Using risk-based pricing to optimize profitability.
- Analyzing profitability at the individual borrower level.
Module 3: Analyzing Deposit & Savings Product Profitability
- Calculating the cost of funds for various deposit products.
- The impact of non-interest expenses on deposit product profitability.
- How to account for cross-selling opportunities and bundled products.
- Measuring profitability for fixed-term vs. demand deposits.
- Strategies for optimizing savings product profitability.
Module 4: The Return on Investment (ROI) Framework
- The definition and calculation of Return on Investment (ROI).
- The difference between ROI and other profitability metrics.
- Using ROI to justify investments in new products and technology.
- Performing a break-even analysis for a new product.
- The importance of a long-term perspective when measuring ROI.
Module 5: Product Portfolio Management
- How to categorize a SACCO's product portfolio based on profitability.
- Identifying "cash cows," "stars," and "dogs" in your portfolio.
- Strategies for revitalizing underperforming products.
- The process for responsibly phasing out unprofitable products.
- The role of profitability analysis in strategic planning.
Module 6: Pricing Strategies for Profitability
- The relationship between price, demand, and profitability.
- Using cost-plus, competitive, and value-based pricing models.
- The impact of fees and other non-interest income on profitability.
- Price elasticity and its implications for product pricing.
- How to communicate pricing changes to members effectively.
Module 7: Data Analytics & Technology
- The role of a robust data management system for profitability analysis.
- Using business intelligence (BI) tools to create dashboards and reports.
- The importance of clean and accurate data for analysis.
- Predicting future profitability using historical data.
- Exploring advanced analytics for product lifecycle management.
Module 8: Member Behavior & Profitability
- Analyzing how member usage patterns impact profitability.
- The concept of "member lifetime value" and its link to profitability.
- Strategies for improving member engagement to increase product usage.
- The profitability impact of different member segments.
- Designing products that encourage profitable member behavior.
Module 9: Capstone Project: Profitability Analysis
- Participants will work in teams to analyze a SACCO case study.
- They will gather data to calculate the profitability of several products.
- Teams will identify the most and least profitable products and their drivers.
- They will propose a set of strategic recommendations for the portfolio.
- The final project will be a presentation of their findings and recommendations.
Module 10: Implementation & Continuous Improvement
- Creating a framework for ongoing product profitability review.
- Assigning roles and responsibilities for profitability monitoring.
- The importance of cross-departmental collaboration.
- Establishing key performance indicators (KPIs) for product managers.
- How to embed profitability analysis into the SACCO's culture.
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
Unlocking Growth: The Ultimate Guide To Profitability Analysis & Roi For Sacco Products Training Course in Saint Lucia
| Dates | Fees | Location | Action |
|---|---|---|---|
| 13/10/2025 - 17/10/2025 | $1,750 | Mombasa |
|
| 20/10/2025 - 24/10/2025 | $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 | $1,750 | 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 |
|
| 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 | $1,750 | 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 | $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 - 29/05/2026 | $1,500 | Nairobi |
|
| 01/06/2026 - 05/06/2026 | $2,900 | Kigali |
|
| 08/06/2026 - 12/06/2026 | $1,500 | Nairobi |
|
| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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