At the end of this course, participants will be able to: • Explain what kind of products, services and delivery channels will work in real life for a microfinance Institution. • Understand how to conduct a proper loan analysis. • Conduct effective site visit and assess the character of a borrower. • Be able to calculate a loan applicant’s cash flow. • Understand what poor people expect from savings providers and their savings products. • Understand what perquisites microfinance providers have to fulfil to take savings products. • Be able to mitigate or even rule out particular risks. • Understand the principles of financial and social performance in microfinance. • Analyse key financial and social performance indicators. • Understand the ethical foundations of risk governance in microfinance. • Recognize ethical dilemmas in risk management and decision-making. • Apply ethical principles to governance, • compliance, credit, and operational risks.