Need Based Training Immediately after inception, CDF has been involved in systematic assessment of the training needs to different levels of NGO staff. The training courses are flexible and designed to meet the specific needs of the organizations and the participants. Ideas and strategies that spring from direct field experience and disseminated to the workers of NGOs through training, seminars and workshops. Training program are conducted for all level of professionals. The course fees include training fee, material cost and local transportation only. Accommodation, health expenses, food cost and travel, will be borne by the participants. CDF will provide necessary assistance in this regard. The title, participants, duration and cost of the courses are given in the following table.     CDF Training Courses SL. Course Name Objects Contents 01. Training of Trainer (TOT) The course will enable the participants and enhance capacity to: Assess training needs and design training curriculum Explain best training practices / technique Facilitate training session effectively Describe training evaluation and follow-up process ·          Concept and objective of training ·          Learning principle and condition ·          Training cycle ·          Training needs assessment ·          Training methods/techniques ·          Objective setting and designing curriculum ·          Effective facilitation ·          Organizing and implementing a training course ·          Training evaluation and follow-up 02. Internal Audit and Financial Control The course will enable the participants and enhance capacity to: ·        Explain the difference between audit and accounts. ·        Describe types of audit ·        Explain auditing system ·        Preparing audit report ·        Explain internal financial control ·         Difference between audit and accounts ·         Objectives of internal audit ·         Types of audit ·         Areas of audit ·         Auditing system ·         Preparing audit report ·         Quality of an auditor ·         Internal control system ·         Considerations in financial control system   03. Microfinance Management The course will enable the participants and enhance capacity to: ·         Explain the savings management methodologies ·         Select the profitable IGAs ·         Calculate interest on savings and credit ·         Prepare aging schedule and manage delinquency ·         Describe monitoring system and MIS in microfinance program ·         Explain sustainability ·         Role of microfinance in poverty alleviation ·         Group formation process for microfinance operation ·         Savings mobilization techniques ·         Profitability and breakeven analysis of an IGA ·         Interest management ·         Causes of loan default and its prevention ·         Aging schedule preparation and managing delinquency ·         Financial ration analysis ·         Monitoring system and MIS in microfinance program ·         Sustainability (organization and borrower level) ·         Book of accounts for microfinance program   04. Management Information System (MIS) The course will enable the participants and enhance capacity to: ·         Acquire skills on MIS ·         Designing MIS ·         Prepare report   ·         Concept and importance of MIS ·         Data, information and MIS ·         Characteristics of MIS ·         Report peroration ·         Interpretation of MIS report ·         Books and formats in microfinance program ·         Development of MIS ·         Data preservation and handling technique 05. Microenterprise Planning and Management The course will enable the participants and enhance capacity to: ·         Explaining planning process of an enterprise. ·         Analysis portfolio risk ·         Analyze cost structure ·         Describe price fixation process ·         Describe techniques of measuring demand and supply of products ·         Prepare business plan   ·         Planning of small enterprise ·         Risk and portfolio analysis ·         Cost structure analysis ·         Price fixation process of a product ·         Concept: Start up cost, operation cost, variable cost, gross income, net income ·         Techniques of measuring demand and supply of a product ·         Qualities of an entrepreneur         06. Financial Sustainability and Alternative Financing The course will enable the participants and enhance capacity to: ·         Sustainability and cost effectiveness ·         Preparing financial statements ·         Preparing cash budget and financial projection. ·         Measuring and controlling delinquency of loan portfolio ·         Analyzing portfolio quality ratios for MFOs. ·         Identifying the sources of alternative financing ·         Concept of sustainability and cost effectiveness ·         Understanding the financial statements. ·         Preparation of cash budget and financial projection ·         Idle fund and liquidity ratio analysis ·         Portfolio management ·         Sustainability, efficiency and portfolio quality ratios and interpretation ·         Sources of lending fund and alternative financing for microfinance program     07. Supervision and Monitoring For Microfinance Program The course will enable the participants and enhance capacity to: ·         Differentiate between supervision and supportive supervision ·         Explain supervisory role ·         Describe management functions ·         Describe leadership styles ·         Explain decision making process ·         Develop sound working relationship with the workers ·         Describe monitoring techniques and prepare monitoring checklist ·        Supervision and supportive supervision ·         Supervisory role and responsibilities ·         Management functions ·         Theory X and Y ·         Leadership style ·         Delegation of authority ·         Decision making process ·         Monitoring techniques and tools. ·         Managing motivation and report writing ·         Characteristics of an ideal leader     08. Microfinance Accounts Keeping The course will enable the participants and enhance capacity to: ·         Accounts keeping system ·         Preparing cash budget ·         Maintaining accounts ·         Maintaining savings and credit accounts. ·         Preparing financial statements ·         Maintaining records and registers   ·         Concept of accounts keeping and its importance ·         Interest rate calculation and installment setting ·         Types of accounts and accounts keeping system ·         Preparation of cash budget ·         Steps in maintaining accounts ·         Savings and credit accounts recording ·         Idle fund and its effect ·         Income tax and depreciation calculation. ·         Financial statements preparation ·         Financial ratio analysis ·         Maintenance of books and registers   09. Financial Ratio Analysis and Delinquency The course will enable the participants and enhance capacity to: ·         Explain sustainability and financial statements. ·         Explain causes and cost of delinquency. ·         Measure and control delinquency of loan portfolio. ·         Analyze sustainability, efficiency and portfolio quality ratios for MFOs ·         Explain effect of loan loss provisions on financial statements ·         Concept and sustainability and cost effectiveness ·         Understanding the financial statements ·         Sustainability, efficiency and portfolio quality ratios and interpretation ·         Concept and causes of delinquency ·         Cost of delinquency and default ·         Measuring portfolio at risk ·         Effect of loan loss provisions, reserves and write- offs on financial statements ·         Controlling delinquency     10. Comprehensive Computer Operation and Report Preparation The ultimate aim of the course is to enable the participant to install Management Information System (MIS) and Financial Information System (FIS) in the organization. The course deals with a range of quality tool and techniques. At the end of the course the participants will be able to: ·         Acquire knowledge about the computer operation ·         Use new information technology. ·         Design different form and formats on microfinance reports for organisational MIS and FIS. ·         Operating system (Win 98 to 2000) ·         Word Processing (Word 97/2000) ·         Spreadsheet (Excel 97 /2000) ·         Microcredit related different format and report preparation ·         Accounts related format and report preparation ·         Internet operating and email. ·         Demo presentation on MIS and FIS ·         Need based other program        Learning Methods The course is highly participatory. Participation is an essential condition, which means active involvement of participants with the learning process. To encourage participation and to create learning atmosphere emphasis will be given on the participatory training methods like group discussion, structured experience, exercise, role play, brain storming, demonstration, simulation game, VIPp; study circle, experience sharing etc. Training Fees and Costs (Per participant) The following rate is applicable for domestic participants. The foreign participants  will enjoy US$ 300 and they are requested to contact with CDF in this regard. Course fee 2,000 Material cost 1,000 English / Computer (optional) 500 Food 1,000 Accommodation 500 Total 5,000                 For CDF member NGOs only TK. 4,500 Training Resource Pool CDF has its own facilitators who are professionally trained (both in home & abroad) and have 8 to 15 years training experiences. Besides, CDF also invites experienced professionals from its resource pool of expert/renowned MFOs time to time. CDF has its own training venue, which is well equipped with all modern training facilities. Certificate Certificate is issued to each participant on successful completion of the course.   Evening and One day / Two day courses ·         Working English and report writing ·         Microfinance management internship (6 months) ·         Organizational development & sustainability ·         Good governance and policy ·         PRA techniques for quality program ·         Participatory strategic planning (PSP) ·         Delinquency prevention & 100% recovery ·         Monitoring and evaluation indicators ·         Taxation and return preparation  Application/nomination procedures Application /nomination form is attached in the proposal, which should be directly faxed or mailed to the following address: For On line nomination form Please CLICK Here.                            Doorstep Technical Support: The knowledge of many NGOs, particularly, the smaller ones are poor on many aspects. They do not know how to develop a proper loan application form, savings passbook, weekly reporting formats, supervisory checklist, monitoring checklist/sheets, maintain financial records etc. CDF assists these organizations in those areas where there was inadequacy. CDF has a professional team of proven experienced microfinance practitioners to provide these supports. In addition, the team also carries out rapid assessment on microfinance organizations of partner organizations and disseminates the findings.   Refresher training and Follow up: The training participants usually prepare an action plan after the completion of the course, which they are supposed to implement in their respective organization. CDF makes regular follow-up of its training through field visits. They also assist the management staff on organizational aspect. CDF’s tailored-made training has created huge demand among the NGO community particularly to the grass-roots microfinance NGOs. Most of the organizations want to avail of the training but it is difficult for CDF to meet such a big demand with its existing resources. In this backdrop, CDF is contemplating to cover them under a short tailor-made program suiting their operational needs and available means.