A Guide to SME Financing [electronic resource] /
Munro, D.author.
A Guide to SME Finance is a brief guide to designing and implementing an SME finance program within a commercial bank or other financial institution, such as an NGO. This work covers the rationale behind SME finance why it makes sense for a bank to enter this market sector, followed by a step-by-step approach to designing and implementing the program. Munro highlights the need to automate the lending process, and offers a lengthy description of how this can be accomplished. Examples of loan application, analysis, and approval forms and templates are included along with instructions for use. Additional formats are provided for loan officer goals and periodic reviews, portfolio and relationship profitability management, as well as a model credit score card to use as a 'sift' for loan applicants.
Description based upon print version of record.
""Cover""; ""Half-Title ""; ""Title""; ""Copyright ""; ""Dedication ""; ""Epigraph ""; ""Contents ""; ""List of Illustrations""; ""Acknowledgments""; ""Introduction: The Actuality and the Potential of SMEs in Developing Economies                                                                                    ""; ""1 What Is an SME?                        ""; ""SMEs are not micro-enterprises                                     ""; ""Characteristics of SMEs                              ""; ""SMEs are not large enterprises                                     ""
""Corporate governance options                                   """"Sole proprietorships                           ""; ""Partnerships                   ""; ""Corporations                   ""; ""Limited liability partnerships                                     ""; ""Limited liability companies                                  ""; ""2 Why Are SMEs Appropriate for Bank Financing                                                    ""; ""Micro-enterprise lending methodologies                                             ""; ""sme lending methodologies                                ""
""3 How May Banks Address the Constraints and Perceived Drawbacks to Financing SMEs?                                                                                         """"Lack of financial records                                ""; ""Lack of collateral                         ""; ""High transaction costs                             ""; ""Management                 ""; ""Staff training                     ""
""4 An Outline of the Credit Application, Analysis, and Approval Process: The Centrality of Credit Analysis                                                                                                                """"Credit analysis                      ""; ""Elements of a credit analysis                                    ""; ""5 Streamlining and Templatizing the Credit Analysis Process                                                                  ""; ""The Credit Score Card                            ""
""The Application/Analysis/Approval form                                             """"Revolving credits                        ""; ""Fixed asset loans                        ""; ""Revolving credit loans and the revolving credit template                                                               ""; ""Explanation of calculations on the revolving credit application/analysis/approval form                                                                                             ""
""Fixed asset loans and the fixed asset loan template                                                          ""
Includes bibliographical references and index.
A Guide to SME Finance is a brief guide to designing and implementing an SME finance program within a commercial bank or other financial institution, such as an NGO. This work covers the rationale behind SME finance why it makes sense for a bank to enter this market sector, followed by a step-by-step approach to designing and implementing the program. Munro highlights the need to automate the lending process, and offers a lengthy description of how this can be accomplished. Examples of loan application, analysis, and approval forms and templates are included along with instructions for use. Additional formats are provided for loan officer goals and periodic reviews, portfolio and relationship profitability management, as well as a model credit score card to use as a 'sift' for loan applicants.
Business enterprises-Finance.
Accounting.
Bookkeeping .
Operations research.
Decision making.
Investment banking.
Securities.
Banks and banking.
Finance.
Business Finance.
Accounting/Auditing.
Operations Research/Decision Theory.
Investments and Securities.
Banking.
Finance, general.