Guides de formation

The training guides included here will enable training managers and staff of recognised training organisations to deliver short courses on topics of particular importance to the development of rural finance.

Each topic, for which a guide is provided, has a set of session notes outlining the objectives of each session and providing handouts, exercises, answers and guidelines for trainers to follow. The material can be used exactly as provided or simply used to enhance existing courses by providing new material for trainers to adapt to their own circumstances.

It is hoped the material will be found useful at all levels from postgraduate students to new recruits for banks or NGOs, as well as trainers themselves, senior people such as bank chairmen, policy makers and donor staff. All session notes will include references to materials featured in the resources section of the Rural Finance Learning Centre and may include case studies, visual aids and documents providing theoretical background.

List Training Resources

Title: How to conduct training Year 2003 Document Type Toolkit Description:

This CGAP on-line training material includes a Training of Trainers (TOT) module and an accompanying Toolkit. The material is specifically designed for donor staff who specialize in microfinance and provide training to colleagues in their agencies on good practices in microfinance. It is equally suitable for trainers who are based in financial institutions. The material was developed by Janis Sabetta and is based upon proven adult education and learning techniques. The goal is to help trainers to improve their training and communication skills.

The TOT module consists of eight sessions. For each session there is a PowerPoint Presentation and accompanying handouts which are provided as Word documents. Apart from the introduction and overview, the sessions include:

  • How to Start a Training Session
  • How Do Adults Learn?
  • The Experiential Learning Cycle
  • Communication
  • Managing Groups in Training
  • Designing a Training Session
  • Closure - Winding Things Up

The Training Toolkit is designed to complement the TOT module. The tools give background information on adult education theory, and tips and examples on how to design and run training sessions. The tools are grouped under 5 main topics and include a list of training publications and resources. People using these tools should note that they can and should be modified by the users to reflect specific cultural circumstances, both in terms of the audience that is being trained and the trainer's own level of comfort.

Topics in the toolkit include:

  1. Adult education theory
  2. Training Design
  3. Beginnings
  4. Delivery Tips, e.g.
    • 100 Nuts and Bolts Training Tips
    • Barriers to Communication
    • Listening
    • Questioning
    • Visual Aids
    • Monitoring Training Progress
    • Group Theory
    • Assigning Participants to Small Groups
    • Stages of Group Development
    • Difficult Participants
  5. Closings
  6. References and resources

Each section of the toolkit is downloadable as a zipped file of Word documents.

This material will be helpful to anyone wishing to improve their training skills and is highly recommended.

Sabetta. J. Materials Anglais (en) http://www.cgap.org/about/programs/training Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Matériel De Formation, Éducation Des Adultes CGAP 2003 Globale Resource Document Guides de formation
Title: Practical Microfinance Year 2003 Document Type Book Description:

This book has been written to help people provide effective training to those who work or plan to work in the field of micro finance. It is a training guide with detailed step by step descriptions for 22 sessions. These sessions can be used on their own, in part or integrated with other material, or as the basis of a complete course on micro finance. The session topics are:

  1. New paradigm micro-finance’ – what is it?
  2. Introduction to financial accounts and analysis.
  3. Field visits to micro-enterprises.
  4. Rates of return and the cost of money.
  5. Visits to micro-finance groups.
  6. Financial analysis of a micro-finance institution.
  7. Planning for MFI profitability.
  8. Marketing micro-finance.
  9. Gender – men and women as clients for micro-finance.
  10. Arrears and defaults – definition and measurement.
  11. Graduation and individual loans.
  12. Individual versus group lending, the pros and cons of each.
  13. Bangladesh Grameen groups or Indian self-help groups?
  14. Subsidies – when and how?
  15. Commercial banks and micro-finance.
  16. The need for micro-savings services.
  17. Micro-insurance.
  18. MFI staffing – recruitment and motivation.
  19. Management information systems, selection and design.
  20. Measuring the impact of micro-finance.
  21. The downside of micro-finance.
  22. Regulation and supervision, by whom and how?

Each session guide contains:

  • a brief statement of the session objective
  • an estimate of the time it should take
  • detailed notes for the trainer, including questions to be asked, issues to be discussed and points to be emphasised.
  • A number of simple exercises, case studies and other materials for stimulating participants'learning.

The session exercise and case study handouts may be photocopied for participants or customized to meet trainees needs via freely available web files. An introductory chapter includes advice on how to use the material in the book.

Like most remarkable innovations, micro finance is quite simple. Bankers and those who understand finance need only to appreciate the requirements of this new market to be able to serve it competently and NGO staff and other community development people who understand financial realities can quite quickly become successful micro finance practitioners. The use of this manual will enable more people to provide effective short courses in micro finance and thus contribute to the increased provision of financial services that meet the needs of the poor.

Harper, M. developmentbookshop.com Anglais (en) http://developmentbookshop.com/ Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Microfinance Agricole ITDG Publishing 2003 Globale Resource Document Guides de formation
Title: Rural & Agricultural Finance Seminar Series Year 2006 Document Type Guideline Description:

The USAID Agricultural office with the participation of Microenterprise Development office have developed this curriculum to offer trainers, facilitators, and rural and agricultural finance programs an easy-to-use and highly adaptable set of tools and presentations to advance their programs. The philosophy underlying the materials is that a comprehensive understanding of the intersection between rural finance and agricultural finance, particularly value chain financing, offers a powerful tool to individuals working to extend finance to the un- or under-banked in developing countries.

The seminar series is divided into a set of 9 modules covering the following subjects:

  1. The History of Rural & Agricultural Finance & Its Importance for Development
  2. Rural & Agricultural Finance Seminar Framework
  3. Demanders of Rural & Agricultural Finance
  4. Suppliers of Rural & Agricultural Finance
  5. Enabling Environment for Rural & Agricultural Finance
  6. Rural & Agricultural Finance Specialty Topics
  7. Market Assessment for Rural & Agricultural Finance
  8. Measuring & Evaluating Success
  9. Back at My Desk: Next Steps & Action Planning

The website from which you can download the materials provides key details, presentations and handouts that allows seminar planners or facilitators to adapt or build a curriculum. More specifically, each module includes:

  • A 'Core' PowerPoint presentation
  • An 'Optional Activities' PowerPoint presentation
  • Handouts for each Core presentation
  • Supplementary materials for each activity
  • Facilitator's guidance (embedded in the "Notes" section of the PowerPoint presentations)
USAID microlinks Anglais (en) https://www.microlinks.org/sites/microlinks/files/resource/files/Portfolio_Approach_to_PSD.pdf Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Matériel De Formation, Financement Rural USAID 2006 Globale Resource Document Guides de formation
Title: The Methodology of Value Chain Promotion Year 2009 Document Type Document Description:

This manual presents the ValueLinks methodology – a compilation of action-oriented methods for promoting economic development with a value chain perspective. It can be used by development projects or by public agencies promoting specific agribusiness, handicraft or manufacturing sub-sectors of the economy.

The ValueLinks manual structures the know-how of value chain promotion into 12 modules according to the project cycle. Each module covers the typical tasks that business organisations and facilitators of value chain promotion have to perform. Users can choose among a total of 37 tasks, e.g. “ value chain mapping”, “ agreeing on a vision” or “ engaging private partners in development work”. Text boxes present tools and templates as well as concrete examples of value chain projects supported by GTZ around the world.

The manual has no specific sectoral focus. The emphasis is on those product markets that offer better market access for micro, small and medium-sized enterprises and farmers, and provide new job opportunities for the poor.

GTZ valuelinks manual Anglais (en) http://www2.gtz.de/wbf/4tDx9kw63gma/ValueLinks_Manual.pdf Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Financement Des Chaînes De Valeur Agricoles GTZ 2009 Globale Resource Document Guides de formation
Title: Value Chain Finance Role Play Training: Uganda sugar Value Chain, Peru Artichoke Value Chain Year 2007 Document Type Document Description:

Key Learning Objective of the Training Guide: Help participants understand how and why finance is extended within a value chain (direct value chain finance), as well as why financial institutions do or don’t provide credit to the various value chain actors (indirect value chain finance).

Competencies: By the end of the session, participants should be able to:

  • Identify risks and opportunities impacting an agricultural value chain and its access to finance;
  • Distinguish between direct value chain finance and indirect value chain finance in terms of decision making, information and product design;
  • Understand how contracts can facilitate finance and interfirm cooperation.
USAID Anglais (en) Anglais (en) http://www.ruralfinanceandinvestment.org/sites/default/files/1246379832301_Value_Chain_Finance_Role_Play_Training.pdf Training Guide Anglais (en) Anglais (en) Anglais (en) Anglais (en) Anglais (en) Guide De Formation, Agricultural Value Chains, Chaîne De Valeur Des Finances 55 pp. 2007 Globale Le développement de la chaîne de valeur Resource Document Guides de formation
Title: Village Savings and Loan Associations Year 2006 Document Type Document Description:

The Village Savings and Loan (VS&L) model is a savings-based approach that has proven on a significant scale that it can substantially fill the gap between the needs of the poor for financial services and the ability of banks and MFIs to provide these services. It provides sustainable and profitable savings, insurance and credit services to people who live in places where banks and MFIs do not have a presence such as rural areas and urban slums.

The model was originally developed by CARE in Maradi, Niger, in 1991 and has spread to 17 countries in Africa, 2 in Latin America and 2 in Asia, with over 1.25 million participants. A VS&LA is a self-selected group of people, (usually unregistered) who pool their money into a fund from which members can borrow. The money is paid back with interest, causing the fund to grow. The regular savings contributions to the group are deposited with an end date in mind for distribution of all or part of the total funds (including interest earnings) to the individual members, usually on the basis of a formula that links payout to the amount saved. This lump sum distribution provides a large amount of money that each member can then apply to his/her own needs.

This training guide describes the VS&L methodology and then provides detailed instructions on how to initiate and provide the training that groups will need. It covers group leadership, elections, developing policies and a constitution, record-keeping and procedures for managing meetings. The manual includes examples of stories and games that can be used in the training process and examples of all the forms that are required. A management information system for field officers involved in promoting the groups is provided in an accompanying spreadsheet.

This is a highly practical and useful guide which promotes a methodology that deserves the widest application and use in rural areas of Africa and elsewhere. The guide and the spreadsheet are downloadable from the RFLC and can also be downloaded from the VSLA website. You should regularly check the VSLA site for updates and new releases.

Allen, H.; Staehle, M. Anglais (en) Anglais (en) Anglais (en) http://www.ruralfinanceandinvestment.org/sites/default/files/1178123579628_VS_L_MIS_1.14_Ledger_based_Records_0.xls mis: ledger-based Anglais (en) http://www.ruralfinanceandinvestment.org/sites/default/files/1178123642019_VS_L_MIS_1.14_Passbook_based_Records_0.xls mis: passbook-based Anglais (en) http://www.ruralfinanceandinvestment.org/sites/default/files/1178123821333_AVE_C_SIG_1.13_RelevesdeComptes.xls sig: relevés de comptes Français (fr) http://www.ruralfinanceandinvestment.org/sites/default/files/1178123979021_AVE_C_SIG_1.13_CarnetdeComptes.xls sig: carnet de comptes Français (fr) Anglais (en) Anglais (en) Caisse D'épargne, Shg, Village De La Banque 140 pp. VSL Associates 2006 Globale Finance des groupes informels Resource Document Guides de formation

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