Collective Credit: Group Lending & Joint Liability Models for SACCOs Training Course
Introduction
Group lending and joint liability models are powerful tools for SACCOs seeking to expand their reach and serve members who may lack traditional collateral. This specialized training course is designed to equip credit professionals and leaders with the strategic knowledge and practical tools to effectively design, implement, and manage these community-based lending products. By leveraging social capital and peer support, SACCOs can build a resilient and inclusive loan portfolio, fostering a sense of shared responsibility and economic empowerment among their members.
This intensive program offers a clear and actionable roadmap for the entire group lending lifecycle, from group formation and training to loan disbursement and portfolio management. Participants will gain the skills to mitigate risk, resolve conflicts, and ensure the long-term sustainability of their group lending programs. This is an essential course for any SACCO committed to innovation, social inclusion, and leveraging the power of collective action to drive financial growth and community development.
Duration 5 days
Target Audience This course is for SACCO credit officers, loan managers, field officers, community development officers, and senior executives responsible for lending and strategic planning.
Objectives
- To understand the principles and benefits of group lending and joint liability models.
- To master a systematic approach to forming and training cohesive lending groups.
- To develop and apply a framework for assessing group and individual creditworthiness.
- To design and launch flexible loan products tailored to group needs.
- To understand the legal and regulatory framework for group-based lending.
- To create a robust framework for managing and monitoring group loan portfolios.
- To identify and mitigate specific risks associated with joint liability.
- To ensure all products and policies comply with regulatory and ethical standards.
- To analyze the financial performance and social impact of group lending.
- To champion a culture of collaboration and collective empowerment.
Course Modules
Module 1: Foundations of Group Lending
- The principles of social collateral and joint liability.
- The business case for group lending for SACCOs and members.
- The key differences between individual and group lending.
- The role of group lending in fostering financial inclusion.
- Case studies of successful group lending programs.
Module 2: Group Formation & Training
- Techniques for identifying and mobilizing potential group members.
- The process of conducting group orientation and training.
- The importance of a group constitution and clear rules.
- The role of a field officer as a facilitator and mentor.
- Building trust and cohesion within the group.
Module 3: Credit Assessment & Due Diligence
- Moving beyond traditional credit reports to assess group dynamics.
- Techniques for analyzing group savings and financial discipline.
- The importance of a site visit and physical verification of a group's business.
- Using peer appraisal to assess individual member's capacity.
- The role of a field officer in gathering qualitative information.
Module 4: Product Design & Features
- Designing flexible loan terms and repayment schedules.
- The role of loan size and interest rates in product features.
- How to incorporate group savings and loyalty into the model.
- The importance of a clear and transparent application and approval process.
- Prototyping and testing product concepts with a pilot group.
Module 5: Legal & Regulatory Framework
- The legal process for group loan agreements.
- Understanding key terms and conditions in a group loan agreement.
- Navigating government regulations and reporting requirements.
- The legal process for loan recovery from a group.
- Ensuring all products and policies adhere to fair lending principles.
Module 6: Portfolio Management & Risk Mitigation
- Creating a simple yet effective system for group loan monitoring.
- The role of regular group meetings and check-ins.
- Key performance indicators for a group loan portfolio.
- Identifying leading indicators of financial distress within a group.
- Strategies for proactive communication with groups.
Module 7: Delinquency & Conflict Resolution
- The art of early intervention in group settings.
- Using peer pressure and social support for delinquency prevention.
- Developing a structured and empathetic collections strategy.
- The importance of timely follow-up and documentation.
- Techniques for mediating and resolving group conflicts.
Module 8: Technology & Automation
- Leveraging a loan management system to automate group lending.
- The role of mobile and digital tools for member communication.
- Implementing a dashboard for real-time portfolio monitoring.
- How technology can streamline the origination and servicing workflow.
- The future of fintech in group-based lending.
Module 9: Strategic Portfolio Analysis
- Segmenting the group lending portfolio for targeted risk management.
- Analyzing the concentration risk within different types of groups.
- The impact of non-performing group loans on the SACCO's capital.
- Using data to inform future lending policies.
- The link between group lending and overall profitability.
Module 10: Capstone Project: A Group Lending Plan
- Participants will work in teams to design and present a new group lending 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 group lending 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
Collective Credit: Group Lending & Joint Liability Models For Saccos Training Course in Seychelles
| Dates | Fees | Location | Action |
|---|---|---|---|
| 06/10/2025 - 10/10/2025 | $1,750 | Mombasa |
|
| 13/10/2025 - 17/10/2025 | $1,500 | Nairobi |
|
| 20/10/2025 - 24/10/2025 | $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 | $1,500 | Nairobi |
|
| 12/01/2026 - 16/01/2026 | $1,750 | Mombasa |
|
| 26/01/2026 - 30/01/2026 | $1,500 | Nairobi |
|
| 02/02/2026 - 06/02/2026 | $4,000 | Pretoria |
|
| 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 | $2,900 | Kigali |
|
| 09/03/2026 - 13/03/2026 | $1,500 | Nairobi |
|
| 16/03/2026 - 20/03/2026 | $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 |
|
| 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 |
|
| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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