Course Outline:

Module 1: Understanding Non-Performing Loans (NPLs)

• Definition and classification of non-performing loans
• Impact of NPLs on SACCOs' financial health
• Regulatory framework and guidelines on NPL management
• Case studies: Analysis of NPLs in SACCOs
• Group discussion: Challenges in managing NPLs

Module 2: Identification and Categorization of NPLs

• Techniques for identifying potential NPLs early
• Categorizing NPLs based on severity and recovery potential
• Tools and technologies for NPL data analysis
• Case studies: Successful methods of NPL identification
• Role-playing: Practicing NPL categorization scenarios

Module 3: Strategies for Mitigating NPLs

• Proactive measures to prevent NPL formation
• Developing effective credit risk assessment frameworks
• Implementing loan restructuring and rescheduling techniques
• Case studies: Best practices in NPL mitigation
• Group exercise: Designing a proactive NPL mitigation strategy

Module 4: Management and Recovery of NPLs

• Techniques for managing overdue loans and defaults
• Negotiation skills in loan recovery and settlement
• Legal aspects and considerations in NPL recovery
• Case studies: Successful NPL recovery cases
• Role-playing: Simulating NPL recovery negotiations

Module 5: Regulatory Compliance and Best Practices

• Overview of regulatory requirements for NPL management
• Compliance standards and reporting obligations
• Internal controls and audit mechanisms for NPLs
• Case studies: Compliance challenges and solutions
• Panel discussion: Regulatory updates and best practices in NPL management