Microfinance Business Principles For South African Enterprises Training

Learning Outcomes

• Apply microfinance principles to design and manage microcredit products for South African enterprises.
• Analyze the socioeconomic impact of microfinance on underserved communities and small businesses.
• Evaluate client creditworthiness using appropriate assessment tools and methodologies.
• Implement compliance measures in line with the National Credit Act and other relevant regulations.
• Demonstrate effective loan portfolio management techniques to minimize risk and ensure sustainability.

Target Audience

This course is designed for entrepreneurs, small business owners, microfinance practitioners, loan officers, and finance professionals seeking to deepen their knowledge of microfinance business principles within the South African regulatory environment.

Prerequisites

None — open enrollment. Basic numeracy and an interest in microfinance or small business development are recommended.

Course Outline

Practicals

Overview

The practicals component reinforces theoretical concepts through hands-on exercises in loan product design, credit assessment, and regulatory compliance. Learners will work through case studies and simulations to apply microfinance principles in real-world South African contexts.

Practical Activities

• Loan Product Design Workshop — Learners design a micro-loan product for a specific target market, including interest rates, repayment terms, and eligibility criteria. (4h)
• Credit Assessment Simulation — Using real-world scenarios, learners assess loan applications, conduct cash flow analysis, and make credit decisions. (4h)
• Regulatory Compliance Role-Play — Learners role-play a compliance audit scenario, identifying non-compliance issues and proposing corrective actions. (4h)

Summatives

Each delegate is assessed continuously throughout the course via daily exercises, scored practical assignments, and a final summative test at the end.

Practical Assignments — 30%

Practical assignments are observed and scored against a rubric during the practical sessions. Each delegate's practical mark is averaged into a single 100% score and contributes 30% to the final total.

Daily Exercises — 20%

Every training day ends with a multiple-choice exercise scored out of 100%. The scores from each daily exercise are averaged across the duration of the course to produce a Daily Average mark, which contributes 20% to the final total.

Final Test — 50%

On the last day a final summative test is written. It is a multiple-choice paper with multiple-answer questions: each question may have more than one correct option, and a single wrong selection on a question marks the entire question wrong — no partial credit. The final test is scored out of 100% and contributes 50% to the overall mark.

Final Total

Component	Out of	Weight
Practical Assignments (rubric-scored)	100%	30%
Daily Average (multiple choice)	100%	20%
Final Test (multi-answer multiple choice)	100%	50%
Final Total	—	100%

All marks are recorded on the AATICD LMS and visible to each learner under their account.

Certificate

How it works

• Certificates are auto-generated on the AATICD LMS as soon as the marks pass the 50% threshold.
• Each certificate is a branded PDF with the delegate's name, the course title, the unit standard ID, NQF level, credits, and the date of issue.
• You can download or print your certificate from your LMS dashboard at any time after issue — there's no reissue fee and no expiry date.
• If you scored under 50% you can sit the final test again at the next scheduled session at no extra cost.

Where to find it

Sign in to the LMS, open your dashboard, and your certificates appear under My Certificates. Each entry has a View / Download button and a print option.

Training Discounts

Group discounts apply automatically — the more delegates you enrol, the greater the saving. Discounts are calculated at 3% per 5 delegates, scaling up to 40% off for 100+ delegates.

Delegates	Discount
5	3% off
10	6% off
15	9% off
20	12% off
25	15% off
30	18% off
50	30% off
75	35% off
100	40% off

3% discount per 5 delegates, up to 40% off for 100+ delegates. Contact us for a custom group quote.