Financial Velocity: Salary Advance & Short-Term Lending for SACCOs Training Course
Introduction
The demand for instant, accessible credit is rapidly increasing, and SACCOs are uniquely positioned to meet this need by offering well-structured salary advance and short-term lending solutions. This specialized training course is designed to empower leaders and credit professionals with the strategic knowledge and practical tools to develop and manage a portfolio of these products. By providing quick, responsible credit, SACCOs can enhance member satisfaction, attract a new generation of borrowers, and secure a competitive advantage in the modern financial landscape.
This intensive program offers a clear and actionable roadmap for the entire lending lifecycle, from product design and automated risk assessment to portfolio management and profitability analysis. Participants will gain the skills to leverage technology to streamline the lending process, mitigate risk effectively, and ensure that these products align with the SACCO's financial sustainability goals. This is an essential course for any SACCO committed to innovation, member service, and responsibly expanding its lending portfolio.
Duration 5 days
Target Audience This course is for SACCO credit managers, loan officers, product development teams, IT officers, and senior executives involved in strategic planning and product innovation.
Objectives
- To understand the principles and market opportunities of salary advance and short-term lending.
- To master a systematic approach to designing and launching new, flexible loan products.
- To develop and apply an automated credit assessment framework for quick approvals.
- To understand the role of technology in loan origination, disbursement, and collection.
- To design a profitable and transparent pricing model for short-term loans.
- To identify and mitigate specific risks associated with salary advance products.
- To create a robust framework for managing the portfolio and preventing delinquency.
- To ensure all products comply with regulatory and ethical standards.
- To analyze the financial performance and social impact of short-term lending.
- To champion a culture of continuous innovation and efficiency.
Course Modules
Module 1: The Market for Short-Term Lending
- The changing financial needs of members and the demand for fast credit.
- The business case for salary advance and short-term loans.
- The competitive landscape for short-term credit providers.
- Identifying different types of short-term loans and their use cases.
- Case studies of SACCOs and other institutions offering successful products.
Module 2: Product Design & Features
- Designing flexible loan amounts and repayment terms.
- The role of instant loan disbursement and digital channels.
- How to link loan eligibility to a member's salary or savings.
- The importance of a clear and simple application process.
- Prototyping and testing product concepts with a small group of members.
Module 3: Automated Risk Assessment
- The principles of automated underwriting for short-term loans.
- Leveraging internal data: salary history, savings, and loan repayment.
- The role of credit scoring and other predictive analytics.
- Creating an automated decision engine for real-time approvals.
- Strategies for managing fraud risk.
Module 4: Technology & Automation
- The role of a loan management system in automating the process.
- Integrating with a payroll system for seamless salary deductions.
- The benefits of a mobile-first approach for loan applications.
- Implementing a dashboard for real-time portfolio monitoring.
- Ensuring the security and privacy of member data.
Module 5: Pricing & Profitability
- Understanding the relationship between loan pricing and profitability.
- The concept of a risk-adjusted return on a short-term loan.
- Analyzing the cost of capital and operational expenses.
- Setting a profitable yet fair interest rate and fee structure.
- The art of balancing member affordability with institutional sustainability.
Module 6: Legal & Regulatory Framework
- Understanding the legal framework for short-term lending.
- The importance of a clear and compliant loan agreement.
- Navigating government regulations on interest rate caps and fees.
- The legal process for loan recovery and dispute resolution.
- Ensuring all products and policies adhere to fair lending principles.
Module 7: Delinquency Management
- The importance of a proactive approach to managing short-term loan delinquency.
- Establishing an automated system for loan reminders and notifications.
- The role of empathetic communication and negotiation with delinquent borrowers.
- Strategies for loan recovery and collections.
- Analyzing delinquency trends to inform future product design.
Module 8: Member Communication & Education
- Strategies for transparently explaining the loan product to members.
- The importance of financial literacy in using short-term credit responsibly.
- Creating a clear and transparent value proposition for members.
- Training front-line staff to effectively answer member questions.
- The role of the SACCO as a trusted financial advisor.
Module 9: Portfolio Analytics & Reporting
- Establishing key performance indicators (KPIs) for the portfolio.
- 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 portfolio monitoring.
Module 10: Capstone Project: A Product Launch Plan
- Participants will work in teams to design and present a new short-term loan product.
- 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 member value.
- This module provides a hands-on opportunity to apply the concepts from all modules.
- The project prepares participants to successfully launch new short-term products.
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
Financial Velocity: Salary Advance & Short-term Lending For Saccos Training Course in Yemen
| 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 |
|
| 17/11/2025 - 21/11/2025 | $1,500 | Nairobi |
|
| 24/11/2025 - 28/11/2025 | $1,500 | Nairobi |
|
| 01/12/2025 - 05/12/2025 | $1,500 | 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 |
|
| 16/02/2026 - 20/02/2026 | $1,500 | Nairobi |
|
| 23/02/2026 - 27/02/2026 | $1,500 | Nairobi |
|
| 02/03/2026 - 06/03/2026 | $1,750 | Mombasa |
|
| 09/03/2026 - 13/03/2026 | $1,500 | 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 |
|
| 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 |
|
Our Clients
