- English
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eBook - ePub
A Guide to SME Financing
About this book
A Guide to SME Finance is a brief guide to designing and implementing an SME finance program within a commercial bank or other financial institution, such as an NGO. This work covers the rationale behind SME finance why it makes sense for a bank to enter this market sector, followed by a step-by-step approach to designing and implementing the program. Munro highlights the need to automate the lending process, and offers a lengthy description of how this can be accomplished. Examples of loan application, analysis, and approval forms and templates are included along with instructions for use. Additional formats are provided for loan officer goals and periodic reviews, portfolio and relationship profitability management, as well as a model credit score card to use as a 'sift' for loan applicants.
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Please note we cannot support devices running on iOS 13 and Android 7 or earlier. Learn more about using the app.
Yes, you can access A Guide to SME Financing by D. Munro in PDF and/or ePUB format, as well as other popular books in Business & Accounting. We have over one million books available in our catalogue for you to explore.
Information
Table of contents
- Cover
- Title
- Introduction: The Actuality and the Potential of SMEs in Developing Economies
- 1 What Is an SME?
- 2 Why Are SMEs Appropriate for Bank Financing
- 3 How May Banks Address the Constraints and Perceived Drawbacks to Financing SMEs?
- 4 An Outline of the Credit Application, Analysis, and Approval Process: The Centrality of Credit Analysis
- 5 Streamlining and Templatizing the Credit Analysis Process
- 6 Staff Training
- 7 Documentation: Loan Agreements and Documentary Requirements
- 8 Marketing and Creating a Portfolio
- 9 Monitoring SME Loan Income/Performance Monitoring of Credit/Marketing Officers
- 10 Reports, Repayment Monitoring, and Collections
- 11 Setting Up an SME UnitIs It a Good Idea?
- 12 Value Propositions/Types of Products
- 13 The Role of Loan Guarantees
- 14 Conclusion
- Appendix I: Credit Score Card Model
- Appendix II: SME Model Loan Application
- Appendix III: SME Lending Performance Planning Form for Loan Officers
- Appendix IV: Initial Site Visit Report Checklist
- Appendix V: Credit Outstanding and Past Dues Report
- Appendix VI: Account Profitability Summary Report
- Glossary of Terms
- Index