QCTO qualifications › Micro-Finance Loan Consultant
Micro-Finance Loan Consultant - Knowledge Module
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Printed copy: R2250 incl. VAT.
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About this book
The theory textbook for the QCTO National Occupational Certificate: Micro-Finance Loan Consultant or Officer (NQF Level 4, SAQA ID 125123), BANKSETA. Eleven chapters covering all nine knowledge modules (83 credits, 293 assessment criteria): credit, the credit life cycle, lending methodologies, the cost of credit and the micro-finance industry; the National Credit Act, FICA, POCA, the FSR Act, FAIS, POPIA, PAIA, the CPA, credit insurance, credit risk, ethics and fraud; communication, service excellence, complaints and consumer education; loan products, target markets, segmentation and needs assessment; prospecting, marketing within the law and selling; the individual loan application and Regulation 23A affordability; group lending; developmental lending to small businesses, with financial statements, ratios, cash-flow forecasts, SWOT and PESTEL; managing the loan portfolio; collections, workout, debt review and enforcement; and security at the lending institution. Worked examples follow one Mthatha micro-finance branch through 2027.
- Level: NQF Level 4
- SAQA ID: 125123
- Pages: 403
What is inside
- Chapter 1 — Credit and the Micro-Finance Industry
- Chapter 2 — The Law, Credit Risk, Ethics and Fraud
- Chapter 3 — Communicating, Serving and Educating Consumers
- Chapter 4 — Knowing the Market and the Consumer
- Chapter 5 — Prospecting, Marketing and Selling Loans
- Chapter 6 — The Individual Loan Application
- Chapter 7 — Group Lending
- Chapter 8 — Developmental Lending to Small Businesses
- Chapter 9 — Managing the Loan Portfolio
- Chapter 10 — Collections and Workout
- Chapter 11 — Security at the Lending Institution