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Lending to MSMEs (Part I) 

 

In this eLearning module on Lending to MSMEs (Part I), we will learn more about the MSME sector in India and the credit ratings used specifically for MSMEs. We will also look at the process for due diligence, data sources for due diligence and analysing borrower documents.

 

Coverage and structure for eLearning module

 

Topic

Sub-topic

The MSME Sector
  • Classification of the MSME Sector
  • Importance to Banks
  • Asset Quality Experience
  • Unique Lending Challenges

MSME Credit Ratings
  • SME Ratings
  • NSIC-CRISIL Scale
  • CRISIL SME Rating scale
  • Approaches to MSME Lending

Due Diligence: A Process-Driven Approach
  • The Need for Due Diligence
  • Elements of Due Diligence
  • The Due Diligence Process
  • Dealing with Negative Reports
  • Benefits of a Process-Driven Approach

Due Diligence: Data Sources
  • Internal Sources
  • External Sources

Due Diligence: Borrower Documents
  • Bank Statement Analysis
  • Validating Bank Credit with Revenues
  • Looking out for Suspicious Transactions
  • Credit Evaluation
  • Continuous Reduction in Credit Summation
  • Cheque Returns
  • Overdrawn Limits
  • Delays in Interest Payments
  • Delays in Payment of Other Dues
  • LC Devolvement
  • Significance of VAT Returns
  • Analysis of VAT Returns

 

 

Module Fees: Rs. 2500/-                                  Access period: 3 months                                 Learning time: 3 hours

 

 

Steps to purchase

 

  • Go to CRISIL Learning platform https://training.crisil.com/
  • On https://training.crisil.com/ (CRISIL Learning platform) – sign up to create your unique login ID and password
  • Once your account is set up, search for "Lending to MSMEs (Part I)" from the search bar
  • Select the e-learning module - Lending to MSMEs (Part I), and click on buy now; it will get added to your cart
  • Click on 'Cart' and purchase the module(s) with your debit or credit card
Detailed steps

Features of eLearning modules:

 

 

Real life case studies

 

Real life case studies built leveraging our expertise in research, ratings & risk solutions

 

Expert Speak

 

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Glossary & Resources

 

End to end structure comprising basic definitions to advanced readings

 

Visuals for workflows

 

Use of visuals to show a complex process or workflow

 

Interactive examples

 

Interspersed with practice exercises and interactive examples to help apply concepts

 

Knowledge checks

 

Knowledge checks at the end of each topic to ensure absorption of concepts

 

Animations

 

Animations & Characters to make complex concepts easy to learn

 

Gamification

 

Final assessment questions & gamification at the end of the module to ensure learning objectives are met