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SACCO · Physical, Online
SACCO Financial Management, Credit Control and Regulatory Compliance Training Workshop
10 Days4 sessions available Certificate on completion
The SACCO Financial Management, Credit Control and Regulatory Compliance Training Workshop equips professionals with practical skills to strengthen financial performance, manage credit risk, improve loan recovery, maintain sound financial records, and comply with applicable regulatory requirements. The course addresses budgeting, financial reporting, liquidity management, loan portfolio monitoring, credit appraisal, delinquency management, provisioning, internal controls, governance, and regulatory reporting.
Designed for savings and credit cooperative societies (SACCOs), the workshop explores financial management practices that support member savings, responsible lending, sustainable growth, and institutional stability. Participants learn to analyse financial statements, monitor portfolio quality, develop effective credit control procedures, manage arrears, and establish compliance systems aligned with the SACCO's regulatory classification and jurisdiction. Kenyan examples can include relevant requirements issued by the Sacco Societies Regulatory Authority (SASRA) and other applicable authorities.
Course objectives
Prepare and interpret SACCO budgets, financial statements, cash-flow forecasts, and key financial performance indicators.
Develop practical financial and credit performance reports to support management decisions, board oversight, and regulatory reporting.
Apply effective credit control techniques to manage arrears, defaults, loan restructuring, and recovery activities.
Strengthen credit appraisal, loan approval, disbursement, monitoring, and recovery procedures to improve loan portfolio quality.
Who should attend
SACCO managers, chief executive officers, finance managers, accountants, credit managers, loan officers, credit controllers, internal auditors, risk and compliance officers, board members, supervisory committee members, branch managers, debt recovery officers, cooperative development officers, financial analysts, and professionals working in deposit-taking and non-deposit-taking SACCOs.
Course content
Module 1: SACCO Financial Management Principles and Cooperative Governance SACCO business models and financial objectives, cooperative principles and member ownership, financial management responsibilities, roles of the board and management, separation of
Module 2: SACCO Accounting Systems and Financial Record Management SACCO chart of accounts, accounting for member deposits and share capital, loan disbursement and repayment entries, interest income recognition, fee and commission accounting, expense clas
Module 3: Financial Statements Analysis and Performance Measurement Preparation and interpretation of the statement of financial position, income statement and statement of comprehensive income, cash-flow statements, changes in equity, asset and liability
Module 4: SACCO Budgeting, Forecasting and Financial Planning Annual operating budgets, departmental and branch budgets, income and expenditure projections, loan book growth forecasts, savings mobilisation projections, staffing and administrative cost pla
Module 5: Treasury, Liquidity and Cash Management Daily cash-flow management, liquidity forecasting, member withdrawal obligations, loan disbursement planning, short-term liquidity requirements, bank account management, investment of surplus funds, maturi
Module 6: Credit Policy Development and Loan Appraisal Credit policy design and review, loan eligibility criteria, member creditworthiness assessment, income and expenditure analysis, debt service capacity, guarantor assessment, collateral evaluation, loa
Module 8: Credit Control, Arrears Management and Loan Recovery Early identification of overdue accounts, arrears ageing analysis, borrower follow-up procedures, repayment reminders, collection strategies, recovery prioritisation, guarantor engagement, col
Module 9: Loan Provisioning, Impairment and Write-Off Management Identification of impaired loans, loan classification requirements, provisioning methodologies, expected credit loss principles where applicable, assessment of recoverability, treatment of a
Module 10: Savings Mobilisation, Member Deposits and Product Profitability Member savings products, deposits and withdrawal management, share capital and member contributions, savings growth strategies, deposit concentration risk, product pricing, interes
Module 11: Regulatory Compliance and SASRA Requirements Overview of the SACCO regulatory framework in Kenya, SASRA's mandate and applicable requirements, distinction between deposit-taking and non-deposit-taking SACCO regulatory arrangements, licensing an
Module 12: Internal Controls, Fraud Prevention and Financial Risk Management Segregation of duties, approval and authorisation controls, cash and bank controls, member account access controls, fraud risk assessment, prevention of unauthorised transactions
Module 13: Financial Reporting, Regulatory Returns and Audit Readiness Monthly management accounts, board financial reports, loan portfolio reports, liquidity reports, arrears and recovery reports, regulatory return preparation, data reconciliation and va
Module 14: SACCO Digital Financial Systems and Data Analytics SACCO management information systems, core banking and member management systems, automated loan repayment tracking, digital loan application workflows, spreadsheet-based financial analysis, Ex
Module 15: Integrated SACCO Financial Management and Credit Control Case Study Preparation of a SACCO operating budget, analysis of sample financial statements, calculation of liquidity and portfolio quality indicators, assessment of a sample loan applica
General notes
Five Strong Training Outcomes Upon completion, participants will be able to: 1. Analyse SACCO financial performance and prepare reliable budgets, forecasts and management reports. 2. Improve loan appraisal, portfolio monitoring and credit recovery procedures. 3. Identify financial, liquidity, credit and operational risks before they threaten institutional stability. 4. Strengthen regulatory compliance, internal controls and audit readiness. 5. Use financial data and digital reporting tools to improve SACCO decision-making and accountability.
Strengthen your institution's financial performance through the SACCO Financial Management, Credit Control and Regulatory Compliance Training Workshop. Learn practical techniques for SACCO budgeting, financial reporting, loan appraisal, credit risk management, arrears recovery, liquidity monitoring, internal controls and SASRA compliance. Designed for SACCO managers, accountants, credit officers, auditors and compliance professionals, this workshop supports sustainable lending, effective loan recovery, improved financial governance and regulatory readiness for SACCOs in Kenya.
Frequently asked questions
The workshop is suitable for SACCO executives, finance and accounting teams, credit officers, loan recovery teams, internal auditors, risk and compliance officers, board members and supervisory committee members.
Yes. The course addresses Kenya's SACCO regulatory framework, including applicable SASRA requirements, prudential oversight, regulatory returns, compliance monitoring and audit readiness. Requirements vary according to the SACCO's licensing or regulatory category, so the workshop should use the latest applicable rules and reporting guidance.
Yes. Participants practise arrears ageing, early warning identification, borrower follow-up, recovery prioritisation, repayment restructuring assessment and the development of measurable credit control action plans.
Yes. It can be adapted to deposit-taking or non-deposit-taking SACCOs, employer-based SACCOs, agricultural cooperatives, community SACCOs and other cooperative financial institutions. Case studies can use anonymised institutional data and relevant regulatory requirements.