Introduction

Microfinance institutions often face challenges in managing non-performing loans, balancing operational sustainability with client retention and social impact. Loan rescheduling and write-offs are critical strategies that help institutions maintain portfolio quality while supporting borrowers through temporary financial distress. Understanding when and how to apply these strategies is essential for microfinance managers, credit officers, and risk analysts to minimize losses and strengthen financial resilience.

Microfinance Loan Rescheduling vs Write-Offs Training Course provides participants with practical tools, frameworks, and case studies to make informed decisions on loan rescheduling versus write-offs. Emphasis is placed on regulatory compliance, portfolio risk analysis, client engagement strategies, and the integration of technology for monitoring and reporting. By the end of the training, participants will be equipped to optimize recovery strategies, enhance portfolio performance, and align write-off policies with organizational objectives and best practices in microfinance.

Programme Curriculum

Microfinance Loan Rescheduling vs Write-Offs Training Course

Introduction

Course Objectives

Understand key principles of loan rescheduling and write-off strategies.
Analyze portfolio risks associated with non-performing loans.
Apply trending credit management and recovery tools.
Develop effective client communication strategies during rescheduling.
Integrate regulatory and compliance considerations into loan decisions.
Evaluate financial and social impacts of rescheduling versus write-offs.
Implement internal controls to minimize losses.
Use data analytics to monitor loan performance.
Strengthen decision-making frameworks for delinquent loans.
Assess the role of technology in loan recovery processes.
Enhance staff capacity for credit assessment and portfolio management.
Align write-off policies with institutional risk tolerance and mission.
Build sustainable loan management practices that protect capital and client trust.

Organizational Benefits

Reduced financial losses from non-performing loans
Enhanced portfolio performance and sustainability
Improved client retention and trust
Stronger internal controls and risk management
Compliance with regulatory and reporting requirements
Data-driven decision-making for loan recovery strategies
Staff capacity development in credit risk management
Streamlined workflow for loan rescheduling processes
Better alignment of social mission with financial performance
Improved monitoring and reporting of delinquent loans

Target Audiences

Microfinance managers and directors
Credit officers and loan analysts
Risk management professionals
Finance and accounting staff
Regulatory compliance officers
Field loan officers and client relationship managers
Internal auditors and quality assurance teams
Consultants supporting microfinance institutions

Course Duration: 5 days

Course Modules

Module 1: Overview of Loan Rescheduling and Write-Offs

Definitions, objectives, and scope of rescheduling and write-offs
Differences between rescheduling and write-offs
Impact on portfolio performance and financial sustainability
Regulatory and compliance considerations
Importance of aligning with organizational strategy
Case Study: Portfolio review and decision-making in a regional MFI

Module 2: Assessing Non-Performing Loans

Identifying non-performing and delinquent loans
Portfolio risk analysis methods
Early warning indicators and monitoring tools
Assessing client capacity and repayment behavior
Prioritization strategies for recovery interventions
Case Study: Risk assessment improving loan recovery rates

Module 3: Loan Rescheduling Strategies

Restructuring repayment terms and schedules
Interest rate adjustments and refinancing options
Client engagement and counseling for rescheduling
Criteria for eligibility and approval
Documentation and compliance requirements
Case Study: Successful loan rescheduling program for MSMEs

Module 4: Loan Write-Offs

Criteria and triggers for loan write-offs
Accounting treatment and financial reporting
Regulatory requirements and governance
Risk and operational implications
Policy development for write-off approval
Case Study: Write-off policy implementation in a microfinance institution

Module 5: Risk Management in Loan Recovery

Integrating risk management into rescheduling decisions
Portfolio diversification and risk mitigation
Internal controls to minimize losses
Fraud detection and prevention
Monitoring loan recovery performance
Case Study: Risk management reducing default rates in a rural MFI

Module 6: Data Analytics and Monitoring

Using technology for loan tracking and reporting
Dashboard tools and key performance indicators
Predictive analytics for delinquency management
Data-driven decision-making for rescheduling and write-offs
Integration with core banking and management systems
Case Study: Analytics improving portfolio decision-making

Module 7: Regulatory and Compliance Considerations

Understanding national and sectoral regulations
Compliance reporting and documentation standards
Audit preparation and review processes
Alignment with social mission and client protection
Penalties and legal risks for non-compliance
Case Study: Regulatory compliance enhancing institutional credibility

Module 8: Building Sustainable Loan Management Practices

Developing policies and SOPs for rescheduling and write-offs
Staff training and capacity-building programs
Continuous monitoring and improvement frameworks
Client communication strategies for long-term relationships
Integration with institutional strategic objectives
Case Study: Institutionalizing sustainable loan management practices

Training Methodology

Instructor-led presentations and conceptual briefings
Practical exercises and portfolio simulations
Case study analysis of real-world microfinance scenarios
Group work and collaborative problem-solving sessions
Demonstrations of loan monitoring and analytics tools
Continuous feedback and interactive discussions

Register as a group from 3 participants for a Discount

Send us an email: info@fineskilltrainingcenter.org or call +254769199797

Certification

Upon successful completion of this training, participants will be issued with a globally- recognized certificate.

Tailor-Made Course

We also offer tailor-made courses based on your needs.

Key Notes

a. The participant must be conversant with English.

b. Upon completion of training the participant will be issued with an Authorized Training Certificate

c. Course duration is flexible and the contents can be modified to fit any number of days.

d. The course fee includes facilitation training materials, 2 coffee breaks, buffet lunch and A Certificate upon successful completion of Training.

e. One-year post-training support Consultation and Coaching provided after the course.

f. Payment should be done at least a week before commence of the training, to Fineskill Training Center account, as indicated in the invoice so as to enable us prepare better for you.

Skills & Software Covered

MS Word timveroOS Audit360 Microvision

Programme Fee

Duration: 5 Days

Method: Online or Physical

Online Price: $1,000

Physical Price: $1,500

Certification: Accredited Certificate

View Available Dates 📄 Download Course Outline (PDF)

Available Sessions

Location

Month

Year

Oct 19 2026

19 Oct — 23 Oct 2026

💻 Online / Virtual session

Online $1,000