DAI was contracted by the European Bank for Reconstruction and Development (EBRD) to improve small and medium-sized enterprise (SME) financing methodologies at CAC Leasing and help develop a new credit scoring model.
Sample Activities
Develop a software scorecard appropriate to the new credit scoring model.
Integrate environmental due diligence processes as part of the information technology upgrade.
Train staff on credit assessment and monitoring, customer relationship management, and credit scoring.
Assist the company with its reorganization plan and redesigning of risk processes.
Train sales team leaders in innovative sales techniques for the SME market.
Expand the company’s marketing strategy with respect to the SME market.
Represent the EBRD by monitoring compliance and procedures, making recommendations to CAC management on relevant policies, and making recommendations to the EBRD for expansion of the programme.
Select Results
Provided training courses to 30 managers and lease credit officers in cash flow-based leasing analysis, operating leasing, accounting issues, risk evaluation, and funding optimization.
Created a standardized credit scoring model to facilitate quick, but thorough, decision making regarding leases.
The arrears rate over 60 days of the leasing/financing contract was less than 8 percent, calculated as portfolio at risk on the volume of outstanding leases to SME lessees funded by the Facility.
Innovation for Agribusiness increased revenue for small farmers in northern Mozambique by promoting the development of inclusive and sustainable market systems.