Cash flow-based Appraisal Tools for Small & Medium Enterprises (SMEs)

• Introduction to SMEs & characteristics of their Projects
• Time Value of Money & rate of return.
• (Compounding, Discounting).
• Appraisal Techniques: Pay Back Period, Discounted Payback Period, Net
  Present Value, Internal Rate of Return.
• Case studies & Scenario analysis

• Importance of assessment of Projects for SMEs and effective techniques for appraisals
• Present Value & Future Values.
• Exercise: Importance of risk premiums (KIBOR, Inflation, etc.) to decide the
  the interest rate for Lending/loan-based Products.
• Analysis of short-term loans/ Products of the organization.
• Exercises (to enhance understanding & revision).

• Business Cash flows & Cash Based Appraisal Techniques; and their relationship to Information gathering including the 5 C’s.
• Simple Interest & Compound Interest.
• Cash Flow Based Appraisal Techniques.
• Cash flow projections & Financial Ratios for SMEs.
• Conclusion & Closing.

The course contents are planned to develop & enhance the learning of individuals working with different organizations in the capacities of loan-based products.

For those working with NGOs and other organizations and serving society through lending-based products (short term and long term). The course will help in developing the theoretical background and practical techniques & tools at an advanced level for meeting the organizational objectives.

8 weeks ( 6 Credit Hours per week) or 16 weeks (3 Credit Hours per week) 42- 48 Credit Hours.

Individuals working with organizations at mid-career or above positions have a portfolio of lending funds for operational or development needs (especially NGOs and other development sector organizations).

Weekly Reviews, Mid Term & Final Exams, Study Project.