MSE Lending Gap Analysis and Personnel Capacity Improvement at Inecobank

BFC’s Inecobank project involved:

  • theoretical training of loan officers on MSE lending (week-long training delivered by two BFC consultants)
  • coaching of loan officers (two weeks of on-the-job training and practical exercises)
  • MSE lending supervision (follow-up advice and coaching by BFC consultants)
  • review of credit operations
  • implementing financial and non-financial incentive systems for loan officers
  • developing recommendations and reporting on key findings

A gap analysis additionally conducted by BFC covered the following areas:

  • review of lending products
  • analysis of organizational structure and decision-making processes
  • assessment of internal control and audit
  • credit risk scoring assessment