Training course on Microfinance and Social Banking

Module 1: Introduction to Microfinance and Social Banking

Evolution and principles of microfinance

Concepts of social banking and financial inclusion

Role of central banks and regulators in microfinance

Module 2: Microfinance Institutions and Business Models

Types of MFIs (NGO-based, cooperative, commercial)

Microcredit, microsavings, and microinsurance

Balancing financial sustainability and social impact

Module 3: Products and Services for Inclusive Finance

Group lending and joint liability models

Women-focused financial products

Financial literacy and capacity building for clients

Module 4: Risk Management in Microfinance

Credit risk, operational risk, and over-indebtedness

Portfolio quality monitoring (PAR, write-offs)

Tools for sustainable risk management

Module 5: Social Banking and Community Development

Principles of social banking (ethical finance, sustainability, impact)

Case studies of social banks worldwide

Measuring social performance (SPM frameworks, social audits)

Module 6: Digital Innovations in Microfinance

Mobile money and agent banking models

FinTech solutions for credit scoring and delivery

Blockchain applications in microfinance

Module 7: Regulation and Supervision of Microfinance

Consumer protection in microfinance

Balancing innovation, outreach, and stability

International guidelines (CGAP, World Bank, IMF perspectives)

Module 8: Case Studies and Practical Applications

Success stories and failures in microfinance (e.g., Grameen Bank, SKS Microfinance)

Group exercise: Designing a microfinance product for rural communities

Role-play: Balancing profitability with social impact