Consulting Services for Improvement of Lending Procedures & Portfolio Management for PFIs OXUS

1.

OXUS BFC Kick Off Meeting
Consulting Services for Improvement of Lending
Procedures & Portfolio Management for PFIs
OXUS:
Mr. Najibullah Yousofi (CCO); Mr. Payenda Wafa (COO); Mr.
Nizamuddin Amiri
BFC Expert Team:
Federico Bilder, John Yancura, Malik Mirza
BFC:
Petru Puscas, Sergiu Iacub
Date:
June 28th 2021

2.

Meeting Agenda
1.
2.
3.
4.
5.
Introduction of meeting participants and agenda
Project objectives, implementation approach, and methodology
Deliverables and timeline
Questions and clarification points
Next steps
2

3.

Meeting Agenda
1.
2.
3.
4.
5.
Introduction of meeting participants and agenda
Project objectives, implementation approach, and methodology
Deliverables and timeline
Questions and clarification points
Next steps
3

4.

Meeting Agenda
1.
2.
3.
4.
5.
Introduction of meeting participants and agenda
Project objectives, implementation approach, and methodology
Deliverables and timeline
Questions and clarification points
Next steps
4

5.

Project Objectives
The primary objective of this project is to improve loan portfolio quality of the PI, which
reduces credit losses and capital requirements, increases the risk-bearing capacity, and
heightens returns on equity. Consequently, the PIs will be in a better position to expand credit
supply to meet previously unmet credit needs.
The secondary objective of this project is to lower the number of guarantee claims to ACGF.
In particular, the assignment aims to reduce the number of non-compliance findings in
delinquency audits by SCSA, diminish the number of potential guarantee claims, shorten the
duration of guarantee claim processing, and facilitate data exchange between the PIs and
ACGF/SCSA.
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6.

Implementation Approach
Part A — Capacity Building for PIs
1.Gap analysis
a)
b)
c)
d)
Review the regulatory framework and PI documentation
Review the organization of the portfolio monitoring and delinquency management function at PIs
Conduct interviews and branch visits (tentatively scheduled for the week of June 21, 2021)1
Develop and deliver Deliverable 1 (Partner Institution Gap Analysis Report)
2.Policy, procedure, tool and digitization recommendations for PIs
a)
b)
c)
d)
Outline recommended upgrades for PI policies and procedures as well as a list of templates and tools for improved
monitoring processes and delinquency management
Conduct a workshop with PIs to gather feedback on the proposed recommendations
Draft upgraded policies and procedures for improved monitoring and delinquency management and process PI feedback
Develop and deliver Deliverable 2 (Policies, Procedures, Tools and Digitization Recommendations for PIs)
3.PI staff training on monitoring and delinquency management
a)
b)
c)
Prepare training materials and process PI feedback
Deliver trainings to PI staff
Develop and deliver Deliverable 3 (Training Report and training material handover to PIs)
Project Closure
a)
b)
c)
Draft Deliverable 7 (Final Report)
Conduct a closing workshop to present key outputs and propose follow-up actions for PIs and ACGF/SCSA
Finalize Deliverable 7 (Final Report)
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7.

Methodology (Gap Analysis)
• Common understanding: Legal framework, policies, procedures,
forms
• Best practices
• How to proceed
• Impact on OXUS
• Example of approach for new drafts
• The Gap Analysis Tool
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8.

How to Proceed I
Identify in the existing documents what is a policy, a procedure, a
workflow, or a form/tool
If necessary, separate them (especially if they are within the same
document)
Ensure that the documents follow best practices
Ensure completeness and consistency… see next slide
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9.

How to Proceed II
9
• If you find a form/tool ask yourself if there is a policy,
procedure/workflow that is related to it.
• If there is a related policy and a procedure/workflow, check it for
completeness and consistency
• If there is no procedure, ask yourself if one should be developed
• If there is no policy, ask yourself if one should be developed
?
?
Form/
Tool

10.

How to Proceed III
10
• If you find a procedure/workflow ask yourself if there is a policy and
forms that is related to it.
• If there is a related policy and forms, check them for completeness
and consistency
• If there is no forms, ask yourself if one (or more) should be
developed
• If there is no policy, ask yourself if one should be developed
?
procedure/
workflow
?

11.

How to Proceed IV
11
• If you find a policy ask yourself if there is a procedure/workflow and forms
that is related to it.
• If there is a related procedure/workflows and forms, check them for
completeness and consistency
• If there is no procedure/workflows, ask yourself if one (or more) should be
developed
• If there are no forms, ask yourself if one (or more) should be developed
Policy
?
?

12.

Meeting Agenda
1.
2.
3.
4.
5.
Introduction of meeting participants and agenda
Project objectives, implementation approach, and methodology
Deliverables and timeline
Questions and clarification points
Next steps
12

13.

Deliverables and Timeline
a) Field/Branch visits – TBD
b) D1. - Gap Analysis Report for PIs – TBD
c) D2. - Upgrade of policies, procedures and tools for PIs – week of
August 30
d) D3. - Training report and handover of training materials to PIs –
week of Nov 8
e) Closing workshop for PIs – week of Nov 8
f) Deliverable 7 – Final Report – week of Nov 15
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14.

Meeting Agenda
1.
2.
3.
4.
5.
Introduction of meeting participants and agenda
Project objectives, implementation approach, and methodology
Deliverables and timeline
Questions and clarification points
Next steps
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15.

Questions and Clarification Points
a) Technical questions
b) Who will be the project counterpart from OXUS
c) Interviews and branch visits
a) Questionnaire for field work
b) OXUS support for field visits
c) Methods of commutation/connectivity
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16.

Meeting Agenda
1.
2.
3.
4.
5.
Introduction of meeting participants and agenda
Project objectives, implementation approach, and methodology
Deliverables and timeline
Questions and clarification points
Next steps
16

17.

Petru Puscas
Project Manager
Business & Finance Consulting
Agrifinance · SME Finance · Microfinance · Green Finance
Max-Högger-Strasse 6
CH-8048 Zurich, Switzerland
Phone: +41 44 784 22 22
Fax:
+41 44 784 23 23
[email protected]
www.bfconsulting.com
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