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Microfinance Management syllabus

BNK 2088 units · 40 topicsAcademic year 2083/84
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Microfinance Management

8 units

1. Basic Concept of Microfinance Management (6 LHs)

  1. Defining Microfinance
    1. Defining Microfinance
  2. Differences of Microcredit and Microfinance
    1. Differences of Microcredit and Microfinance
  3. Characteristics of Microfinance
    1. Characteristics of Microfinance
  4. Evolution of Microfinance
    1. Evolution of Microfinance: National and International Context
  5. Perspectives and Approaches to Poverty
    1. Perspectives and Approaches to Poverty
  6. Microfinance and Social Entrepreneurship
    1. Microfinance and Social Entrepreneurship: Concept of Social Enterprise, differences of social enterprises and business enterprises
  7. Differences in Microfinance and Informal Financing
    1. differences in Microfinance and Informal Financing
  8. Differences in Microfinance and traditional banking
    1. Differences in Microfinance and traditional banking
  9. Microfinance management and its principles
    1. Microfinance management and its principles.

2. Microfinance Operations and Models (5 LHs)

  1. Approaches to Microfinance
    1. Approaches to Microfinance: Welfare approach and Institutional approach
  2. Model of Microfinance
    1. Model of Microfinance: Grameen Replication, Cooperative, FINGO, Self Help Groups [SHG], Target group program, wholesale lending MFIs, and others
  3. Purposes and functions of different models in Nepal
    1. purposes and functions of different models in Nepal
  4. Grameen model’s features
    1. Grameen model’s features, process, and their strengths and weaknesses. Concept of group lending and peer pressure
  5. Adverse selection, moral hazard problem, and other problems in microfinance
    1. Adverse selection, moral hazard problem, and other problems in microfinance.

3. Microfinance Product and Services (7 LHs)

  1. Concept and nature of micro-finance products and services
    1. Concept and nature of micro-finance products and services
  2. Types of Microfinance products
    1. Types of Microfinance products – micro credits, micro savings, micro insurance, pension and provident fund, and payment transfers
  3. Types of Microfinance services
    1. Types of Microfinance services: financial intermediations, social intermediations, and social services
  4. Delivery of products and services
    1. Delivery of products and services
  5. Product development in Microfinance –process, pricing products of microfinance
    1. Product development in Microfinance –process, pricing products of microfinance

4. Risk Management in Microfinance (6 LHs)

  1. Concept and nature of micro-finance risks
    1. Concept and nature of micro-finance risks, Risks in MFIs – functional, financial and external risks
  2. Functional risks
    1. Functional risks – mission drift, staff fraud, inefficient performance, inefficient tracking system of loans, overdependence on donors and staff turnover
  3. Financial risks – interest rate risk and foreign exchange risk
    1. Financial risks – interest rate risk and foreign exchange risk
  4. External risks
    1. External risks – calamities, market speculation, market competition, theft and government policies
  5. Strategies for risks minimization
    1. Strategies for risks minimization – securitization, controlling internal frauds, developing effective MIS, efficient human resource management, disaster risk management, developing secured cash transportation, disbursal and collection system and hedging

5. Monitoring and Evaluation in Microfinance Management (7 LHs)

  1. Overview of impact assessment
    1. Overview of impact assessment: Household, individual, and enterprise level
  2. Financial performance analysis
    1. Financial performance analysis: PEARLS and CGAP models
  3. Social performance
    1. Social performance: Universal Standard of Social Performance. Status of Nepalese Microfinance.

6. Regulatory Environment for Microfinance Management (6 LHs)

  1. National Microfinance Policy
    1. National Microfinance Policy
  2. MF regulatory authority and institutions
    1. MF regulatory authority and institutions – Nepal Rastra Bank (NRB), Department of Cooperatives (DoC)
  3. Laws and regulations
    1. Laws and regulations – Nepal Rastra Bank Act, Bank and Financial Institutions Act, Cooperative Societies Act, Financial Intermediaries Act, NRB Directives for MFIs.

7. Microfinance in Nepal (6 LHs)

  1. Present status of different models of microfinance in Nepal
    1. Present status of different models of microfinance in Nepal: facts and figures
  2. Sustainability of MFIs
    1. sustainability of MFIs
  3. Role of microfinance in women empowerment
    1. role of microfinance in women empowerment
  4. Deprived sector lending
    1. deprived sector lending
  5. Contribution of microfinance in the overall development, and their problems and challenges
    1. contribution of microfinance in the overall development, and their problems and challenges.

8. Emerging issues in Microfinance (5 LHs)

  1. Crises in Microfinance
    1. Crises in Microfinance
    2. Governance of MFIs
  2. Digitalization in microfinance
    1. Digitalization in microfinance
  3. Funding Issues in Microfinance
    1. Funding Issues in Microfinance
  4. Microfinance for climate change
    1. Microfinance for climate change
    2. Financial Inclusion
  5. Client protection and financial literacy
    1. Client protection and financial literacy