The main target groups of this training programme are the loan officers. Branch managers in agricultural areas, credit analysts facing agribusiness cases, relationship officers/managers and other technical staff will also be interested by this training programme.

Eligibility

In order to get the best out of this training programme 'Appraisal of agribusinesses', the participant shall:
• Have a good understanding of the typical financial statements (balance sheet, profit and loss statement, cash flow statement) of small and medium enterprises (SMEs) and businesses eligible for loans above 10,000 USD.
• Be capable of assessing credit risk of SMEs on the following aspects:
a. Financial aspects
b. Qualitative aspects

 

Have experience with loan origination, preferably in a loan officer position
It is NOT necessary to have had any agricultural exposure.
Objectives of the training
At the end of the training, the participants will be able to:
• Compose the financial statements (balance sheet, profit & loss and cash flow) of agricultural SMEs (of all SMEs involved in AVCs, from primary producers to export agribusiness),
• Understand all credit risks linked to the agribusinesses and their environment,
• Prepare an agricultural SME loan case and present it to the credit committee.
Overview of training
Appraisal of agribusinesses course focuses on the technical knowledge a loan officer needs to master in order to appraise an agricultural business case in Uganda. Thus, this training is specific to Uganda. It can also be of interest for branch managers or other staff needing to be more informed on agricultural
Business appraisal
The training comprises two modules:
1. Practical data collection and risk assessment of agricultural businesses, including field visits.
2. The agricultural credit cycle in details, including the specificities of agricultural financial statements and the appraisal techniques of an agricultural business case.
Mode of delivery
The programme designed in a flexible manner in order to fit to the work life of the participants.
A blended learning approach is applied, comprising classroom training and field visits complemented by e-learning.
The training is designed in such a way that it won't prevent the participants to perform their monthly usual business. It requires the physical presence of the participants during 12 full week days, 4 half-days on Saturdays and some dedication to learning (on the e-learning distance) over a 12-week period.
This training includes many practical assignments and is adapted to Ugandan agriculture on national as well as regional level.Target group

 Schedule of the Training Programme - Appraisal of agribusinesses

 Module Week Number  Mode of study   No of week days No of hours (evenings or weekends) Saturday
1 1 Class room    

Days

0.5

   2  E learning   12  
   3        
   4  Online Test      
  5        
  6 Class room and Field Visit 3.0   0.5
  7 Online Test      
  8 Class room 3.0   0.5
  9 Class room and Field Visits 4.0   0.5
  10   4    
2 11 E - Exercise    4  
   12  Final Exam      
Two
Modules
12 weeks 12 days   16 hrs 2 days

 

Course Coverage

Module 1
1. Introduction to agricultural production (with emphasis on Good Agricultural Practices)
2. Fundamentals of agricultural production
3. Maize production cycle
4. Collection of data on an agricultural business
5. Fundamentals of livestock production
6. Dairy production cycle in Uganda and how to assess a dairy farm
7. Sources of information on agricultural & livestock production
8. Production Cycles and how asses the farm
- Coffee
- Sugar Cane
- Poultry production
- Vegetable
- Banana
- piggery
9. Visit a polyvalent farm to understand the theory learned
10. Practice the collection of data by visiting an agricultural production business
11. Practice the analysis of the agricultural case visited
12. Practice the collection of data by visiting a livestock production business

Module 2
1. Agric’ credit cycle
2. Agricultural value chains’ complexities
3. Acquisition of agricultural clients
4. Collection of information from agricultural clients
5. Preparation and interpretation of a balance sheet, profit and loss, and a cash flow of an agricultural business
6. Interpretation of financial ratios on agricultural cases
7. Approaches for monitoring and recovery of agricultural cases
8. Field visits

- practice data collection for an agricultural business
- practice the analysis
- practice presenting the case to a (class) credit committee
- practice the collection of data by visiting an off-taker business
- practical feed-back on the sessions and how to improve the work
9. Exercise on agricultural business appraisal

Duration: 3 months
Dates: 6th March 2017 – 6th June 2017
7th August 2017 – 7th November 2017
Fees: UGX 4,500,000= (Uganda Shillings Four Million Five Hundred Thousand Only)

Banking & Finance Skills