Introduction

The evolution of SACCOs (Savings and Credit Cooperative Organizations) into key financial institutions has made Treasury and Risk Management more crucial than ever. In a landscape defined by market volatility, regulatory scrutiny, digital transformation, and financial inclusion, SACCOs must adopt agile, data-driven treasury practices and integrated risk strategies. Training Course on SACCOs: Treasury and Risk Management for SACCOs is designed to empower SACCO professionals with the knowledge, tools, and practical skills required to optimize financial performance, ensure liquidity, mitigate risks, and enhance sustainability.

By mastering strategic liquidity management, operational risk controls, asset-liability matching, investment decisions, and compliance, participants will be equipped to strengthen the financial resilience of their SACCOs. The course blends theory with real-world case studies, emphasizing hands-on learning to ensure that participants not only understand treasury and risk concepts but can apply them in everyday operations.

Programme Curriculum

Treasury and Risk Management for SACCOs Training Course

Introduction

The evolution of SACCOs (Savings and Credit Cooperative Organizations) into key financial institutions has made Treasury and Risk Management more crucial than ever. In a landscape defined by market volatility, regulatory scrutiny, digital transformation, and financial inclusion, SACCOs must adopt agile, data-driven treasury practices and integrated risk strategies. Treasury and Risk Management for SACCOs Training Course empowers SACCO professionals with the knowledge, tools, and practical skills required to optimize financial performance, ensure liquidity, mitigate risks, and enhance sustainability.

Course Objectives

Understand the fundamentals of Treasury Management in SACCOs.
Analyze financial risks impacting SACCO operations.
Implement liquidity management strategies for optimal fund utilization.
Identify and mitigate credit risk, market risk, and operational risk.
Design effective Asset-Liability Management (ALM) frameworks.
Utilize financial forecasting and cash flow analysis techniques.
Develop and monitor investment policies for surplus funds.
Apply regulatory compliance practices in treasury functions.
Leverage FinTech tools for treasury automation in SACCOs.
Create risk appetite statements and risk registers.
Integrate Enterprise Risk Management (ERM) into SACCO governance.
Analyze real-life SACCO risk failures and lessons learned.
Strengthen internal controls and fraud risk mitigation frameworks.

Target Audiences

SACCO Treasury Officers
Risk and Compliance Managers
Chief Executive Officers (CEOs) of SACCOs
SACCO Board Members
Finance Managers and Accountants
Audit Committee Members
Internal Auditors
SACCO Regulators and Supervisors

Course Duration: 5 days

Course Modules

Module 1: Foundations of Treasury and Risk in SACCOs

Understanding the SACCO financial ecosystem
Roles of treasury in SACCO sustainability
Overview of risk types in SACCOs
Regulatory expectations in treasury functions
Best practices in financial governance
Case Study: Mismanagement of treasury functions in XYZ SACCO

Module 2: Liquidity and Cash Flow Management

Principles of liquidity management
Developing a SACCO liquidity policy
Short-term vs long-term cash flow forecasting
Liquidity buffers and stress testing
Funding strategies for SACCO operations
Case Study: Liquidity crisis in a rural SACCO and turnaround strategy

Module 3: Credit, Market, and Operational Risk

Identifying and measuring credit risk in SACCO lending
Understanding market risk (interest rate & inflation impact)
Key causes and indicators of operational risk
Building risk registers and incident reporting systems
Risk mitigation through policies and controls
Case Study: Loan portfolio collapse and market volatility in ABC SACCO

Module 4: Asset-Liability Management (ALM)

Objectives and structure of ALM
Analyzing maturity mismatches and interest rate gaps
ALCO (Asset-Liability Committee) roles and meetings
Tools for monitoring financial positions
Reporting ALM to SACCO boards
Case Study: Interest rate mismatch in an urban SACCO

Module 5: Investment of Surplus Funds

Principles of SACCO investment policy
Types of investment instruments for SACCOs
Risk-return evaluation and benchmarks
Regulatory restrictions and compliance
Portfolio diversification strategies
Case Study: Failed investment in a real estate venture by XYZ SACCO

Module 6: Regulatory Compliance and Risk Reporting

Key regulatory frameworks (e.g., SASRA, IFRS 9)
Statutory liquidity and capital adequacy requirements
Developing compliance checklists
Filing treasury and risk reports accurately
Role of internal audits in risk assurance
Case Study: Regulatory penalties due to poor compliance systems

Module 7: Technology and Treasury Automation

Role of digital platforms in treasury
Automating payment systems and reconciliations
Using risk analytics tools and dashboards
Cybersecurity and digital fraud risk
Digital transformation in SACCOs
Case Study: Implementation of a treasury management system in DEF SACCO

Module 8: Enterprise Risk Management (ERM) in SACCOs

Components of an ERM framework
Setting risk appetite and tolerance levels
Integrating ERM with SACCO strategic plans
ERM roles: Board, Management, and Committees
Building a risk-aware organizational culture
Case Study: Successful ERM implementation leading to financial turnaround

Training Methodology

Interactive PowerPoint presentations and expert-led sessions
Real-world case studies for contextual application
Group discussions and breakout strategy labs
Hands-on exercises and simulation activities
Pre- and post-training assessments for knowledge measurement

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

Treasury Management Risk Management SACCOs Finance

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