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Deducting Bad Debt Loans In Best Practice

Credit operation, in 2017, has shown that the level of past due loan is increasing notably. It will continue to be none performing loans (NPLs) and fall into written off (WO) list shortly. Financial Institutions might fall into bankruptcy if they lately take action on these problems. Therefore, Banks, MFIs and Credit Operators should invest in upgrading their staff capability on Bad Debt Management to minimize the impacts as well as to improve their financial performance in the mature markets.

Objectives

After completion of this course, the participants will be able to:

• Define the meaning of Bad Debt,
• Develop the system of Bad Debt Management effectively,
• Measure the quality of Bad Debt by using appropriate standard indicator,
• Know how to develop the organizational structure of Bad Debt Management.

Course Contents

1. Introduction to Bad Debt Management
   • Definition of Bad Debt
   • Different types of Bad Debt
2. Process of Bad Debt Management
• Loan written off conditions
• Loan written off classification
• Loan written off action taken
3. Bad Debt Measurement
• Loan written off rate
4. Bad Debt Management Structure
• Loan Recovery Unit
• Chief of Branch Credit Officer
• Loan Recovery Officer (LRO)

Training Fee

• USD 98 per participant per training course.
• USD 92 per participant for organization sending 3-5 participants to the course.
• USD 87 per participant for organization sending 6 participants up to the course.

This fee includes training materials, refreshments, lunch and certificate.

Payment Condition: There is no charge for any cancellation which is made by the deadline of the registration. Cancellation after deadline of the registration and participants appearing without proper cancellation will be charged the full amount.

Methodology

The training methodology will be focused on experience based and participatory approaches including brainstorming, group discussion with presentation, group work, sharing hand-on experience, training game, and participants' problem raised during training workshop.

Trainers

Mr. TAUCH Ngam Youra, Assistant Head of Training Centre of ACLEDA INSTITUTE OF BUSINESS (AIB)

Mr. Tauch Ngam Youra has started his career with ACLEDA Bank since 1998. Since then, he has had extensive experience by closely working in credit operations such as credit officer, internal auditor, district team leader, branch manager. He was one of the founders to establish and expand ACLEDA Bank Lao Ltd, Lao PDR, successfully in the position of Vientiane Branch Manager and as the representative member of branch managers in the Board Credit & Risk Committee. In his functional responsibilities, he led and managed credit operations, and built up knowledge, skills, and attitude of chief and credit officers to provide and maintain both quantity and quality of loan portfolio increasingly and healthily.

In addition, from 2009 to 2016, he was Head of Public Relations Department of AIB promoting and cooperatively organizing many MF training and study tour programs for other organizations and the public locally and internationally. Since 2017 to present, he works as Assistant Head of Training Centre of AIB.

Before ACLEDA Bank, from 1982 to 1997, he used to be an official of Banteay Meanchey Provincial Branch of the National Bank of Cambodia.

He received a Master's Degree in Public Administration (MPA) in 2009, from the Chamroeun University of Poly-technology (CUP), Phnom Penh, Cambodia. He also has undertaken study tours to Bank RAKYAT (BRI) in Indonesia, and attended training courses on MFI Management and ToT with the Frankfurt School of Finance & Management, in Germany and the Boulder Institute of Microfinance ITC-ILO, in Turin, Italy.

Mr. TUY Sovannara, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS (AIB)

Mr. TUY Sovannara has been a Senior Faculty at ACLEDA Institute of Business since 2014. He stated his career with ACLEDA Bank Plc from 2000, passing many positions such as Micro and Small Credit Officer, Assistant Vice President and Manager of Credit Officer, Internal Auditor (for 4 years). In 2007, he became an Assistant Vice President and Manager of Accounting Unit of Trade Finance Division, Headquarters. He was promoted as a Senior Specialist of Trade Finance Division from 2013 to 2014.

From 2007 to 2014, he was a member of trainer pool of ACLEDA Bank Plc responsible for delivering training to Credit Officers and Accountants to implement their taskssmoothly and effectively.

He obtained a Master's Degree of Business Administration (MBA), majoring in Finance. He also graduated with a Bachelor of Arts, majoring in English for Business Communication (English Based, International Program). He gained a Bachelor of Economics in Banking and Finance in 2000.

He has attended numerous training programs related to credit, finance and banking, training of trainer, management and leadership locally and internationally. In addition, he got the Certificate International “Certified SME Finance Expert" from Frankfurt School of Finance & Management, German, in 2014, certificate of pedagogy and methodology training course general education from National Institute of Education, in 2016, and he is a candidate of the Association of Chartered Certifies Accountants (ACCA) at FTMS Global Academy.