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Micro Finance and Rural Banking syllabus

BNK 2188 units · 34 topicsAcademic year 2083/84
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Micro Finance and Rural Banking

8 units

1. Basic Concept of Microfinance and Rural Banking (6 LHs)

  1. Definition and characteristics
  2. Microcredit versus microfinance
  3. National and international evolution
  4. Poverty approaches and social entrepreneurship
  5. Microfinance versus informal finance and traditional banking
  6. Management principles

2. Microfinance Operations and Models (5 LHs)

  1. Welfare and institutional approaches
  2. Grameen, cooperative, FINGO, SHG, target-group and wholesale models
  3. Model purposes, strengths and weaknesses
  4. Group lending, peer pressure, adverse selection and moral hazard

3. Products and Services (7 LHs)

  1. Product nature and types
  2. Microcredit, microsavings, microinsurance, pensions and payments
  3. Financial and social intermediation and services
  4. Delivery mechanisms, development and pricing

4. Risk Management in Rural Banking (6 LHs)

  1. Functional, financial and external risks
  2. Mission drift, fraud, inefficiency and donor dependence
  3. Interest and foreign-exchange risks
  4. Disasters, competition and regulatory changes
  5. Securitization, fraud control, MIS, HR, disaster planning and hedging

5. Regulatory Environment for Microfinance and Rural Banking (8 LHs)

  1. National Microfinance Policy
  2. NRB and Department of Cooperatives
  3. NRB Act, BAFIA, Cooperative Act and Financial Intermediaries Act
  4. NRB directives
  5. PEARLS and CGAP monitoring

6. Financial Needs and Challenges of Rural Areas (6 LHs)

  1. Agriculture, MSME and non-farm finance
  2. Financial literacy and infrastructure gaps
  3. High transaction costs and risk challenges

7. Rural Banking and Sustainable Development (5 LHs)

  1. Sustainable development concept and impact assessment
  2. Poverty reduction and women's empowerment
  3. Inclusive growth
  4. UN SDG alignment

8. Emerging Issues in Microfinance and Rural Banking (5 LHs)

  1. Digitalization and funding constraints
  2. Climate resilience and financial inclusion
  3. Client protection and financial literacy