SAQA

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SOUTH AFRICAN QUALIFICATIONS AUTHORITY

REGISTERED QUALIFICATION THAT HAS PASSED THE END DATE:

Bachelor of Technology: Credit Management

SAQA QUAL ID	QUALIFICATION TITLE
72383	Bachelor of Technology: Credit Management
ORIGINATOR
Tshwane University of Technology (TUT)
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY			NQF SUB-FRAMEWORK
CHE - Council on Higher Education			HEQSF - Higher Education Qualifications Sub-framework
QUALIFICATION TYPE	FIELD		SUBFIELD
B Tech	Field 03 - Business, Commerce and Management Studies		Finance, Economics and Accounting
ABET BAND	MINIMUM CREDITS	PRE-2009 NQF LEVEL	NQF LEVEL	QUAL CLASS
Undefined	480	Level 7	Level N/A: Pre-2009 was L7	Regular-Provider-ELOAC
REGISTRATION STATUS		SAQA DECISION NUMBER	REGISTRATION START DATE	REGISTRATION END DATE
Passed the End Date - Status was "Reregistered"		SAQA 06120/18	2018-07-01	2018-12-31
LAST DATE FOR ENROLMENT		LAST DATE FOR ACHIEVEMENT
2019-12-31		2024-12-31

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.

This qualification replaces:

Qual ID	Qualification Title	Pre-2009 NQF Level	NQF Level	Min Credits	Replacement Status
19060	Bachelor of Technology: Credit Management	Level 7	Level TBA: Pre-2009 was L7	480	Complete

PURPOSE AND RATIONALE OF THE QUALIFICATION

The qualifying learner will be able to independently perform strategic credit management activities either in the private or public sectors, thereby contributing to maximisation of revenues and minimising of losses.

LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING

360 credits of which a minimum of 144 will be at NQF level 6 in credit management or related fields (eg, B Com; B Acc).

RECOGNISE PREVIOUS LEARNING?

QUALIFICATION RULES

The qualification will be awarded to a learner who has provided evidence to the satisfaction of the assessors that the stated competence of the qualification, as detailed in the specific outcomes, has been achieved, either through education and training in a single provider's learning programme, or through experience that complies with the stated specified outcomes.

EXIT LEVEL OUTCOMES

1. Strategically manage the credit function, with complete accountability, within the organisation.
2. Conduct applied research independently and co-ordinate and monitor research in credit management and allied fields.
3. Develop and implement a business plan for establishing a credit agency and/or consultancy, and establish and manage a credit agency and/or consult on credit matters.

Specified outcomes:

1.1 Plan the entire credit function by taking cognisance of, inter alia, legal, political, sociocultural, technological factors, as well as the market/task environment and the organisation's financial resources. (c) (10credits) (NQF 7)
1.2 Organise the credit function for the organization. (c) (10credits) (NQF 7)
1.3 Lead and guide the credit personnel within the organization. (F) (10credits) (NQF 7)
1.4 Effectively control the credit function within the organization. (C) (10credits) (NQF 7)

2.1 Identify research problems related to credit management, within or outside the organization. (F) (5credits) (NQF 6&7)
2.2 Investigate the problem identified above.
(F) (5credts) (NQF 6&7)
2.3 Co-ordinate and monitor research related to the problem. (F) (10credits) (NQF 7)
2.4 Evaluate and make recommendations based on findings related to the problem. (C) (10credits) (NQF 7)

3.1 Develop a business plan. (F) (10credits) (NQF 7)
3.2 Manage financial resources. (F) (10credits) (NQF 7)
3.3 Manage human resources of a credit agency. (F) (10credits) (NQF 7)
3.4 Manage physical resources. (F) (10credits) (NQF &)
3.5 Develop a marketing programme (F) (10credits) (NQF 7).

Critical Outcomes:
1. Identification and solving of problems using critical and creative thinking underlie most of the specified outcomes for this qualification.
2. Teamwork is emphasized in specified outcome 1.3 and also underpins all exit level outcomes.
3. Responsible and effective self-organizing and management skills are emphasized.
4. Collecting, organizing, analysing and evaluating information and data are critical to all the specified outcomes, without which the learner will not be able to integrate and interpret complexities in various applications.
5. Communication, both written and oral is addressed continually during the learning programme by means of the learner having to report on findings.
6. Responsibility towards the environment and society is learned by virtue of the application of relevant legislation and procedures governing these practices.
7. Integration of related systems is crucial in interpreting and troubleshooting and identifying problems, repeatedly dealt with in the specified outcomes.
8. Learners will be encouraged to participate as responsible citizens by virtue of being skilled enough to be employed as credit managers.

ASSOCIATED ASSESSMENT CRITERIA

1.1.1 Appropriate physical resources required to fulfil the credit function (in terms of quantity, quality etc) are identified.
1.1.2 The requisite number of credit personnel with the appropriate knowledge, skills and training to fulfil the credit function are identified.
1.1.3 The financial resources required to effectively fulfil the credit function are computed and a budget is drawn up.
1.1.4 Plans to promote the organisation's credit programmes are drawn up in consultation with the marketing division of the enterprise.
1.1.5 Credit policies and procedures for the organisation are drawn up/reviewed taking into account the micro-, market-, and macro environments.
1.2.1 The appropriate physical resources required to perform the credit function are acquired.
1.2.2 The credit department/s is/are adequately staffed with suitable personnel.
1.2.3 The financial resources required to perform the credit management functions are optimally utilised.
1.2.4 The organisation's credit programmes are promoted.
1.3.1 Credit personnel are motivated to perform effectively.
1.3.2 Credit personnel requiring training and development are selected.
1.3.3 Training and development programmes are implemented with the assistance of the Human Resources Division.
1.3.4 Team work among credit employees is encouraged and developed.
1.3.5 Conflict between personnel is amicably resolved.
1.4.1 The implementation of credit policies, procedures and strategies are monitored.
1.4.2 Changes to credit policies, procedures and strategies are effected, in light of changes in the micro-, market-, and macro environments.
1.4.3 The efficiency of the credit function within the enterprise is measured and corrective measures are implemented.
1.4.4 Reports are drawn up and communicated to subordinates, and top management.
1.4.5 Research findings are implemented.
2.1.1 Credit management problems within or outside the organisation are correctly identified.
2.2.1 Credit management problems are correctly investigated on a national/regional/international level by means of literature search, internet and comparative study.
2.3.1 Problems identified are delegated to subordinates for research.
2.3.2 Subordinate's progress is monitored to ensure that research goals are met.
2.3.3 Credit specific research reports prepared by subordinates are reviewed/evaluated.
2.4.1 Research findings are evaluated on the basis of the context/nature of the research problem.
2.4.2 Research reports are compiled based on findings.
2.4.3 Research reports are assessed in order to make recommendations.Recommendations are made to the owners/ Board of Directors
3.1.1 A business plan is developed for a credit agency/consultancy.
3.2.1 A monthly operating budget is drawn up.
3.2.2 Types of financing and costs thereof are considered.
3.2.3 Cash flow statement/s is/are drawn up.
3.3.1 Sound industrial relations are developed and maintained.
3.3.2 Dispute resolution procedure is applied.
3.4.1 Appropriate resources are identified, sourced and managed effectively.
3.5.1 A marketing programme is developed and implemented.

Integrated assessment:

Various forms of assessment are used, inter alia, assignments, practical projects, case studies, examinations and tests.

MODERATION OPTIONS

As required by SERTEC

CRITERIA FOR THE REGISTRATION OF ASSESSORS

As required by SERTEC

REREGISTRATION HISTORY

As per the SAQA Board decision/s at that time, this qualification was Reregistered in 2006; 2009; 2012; 2015.

LEARNING PROGRAMMES RECORDED AGAINST THIS QUALIFICATION:

When qualifications are replaced, some (but not all) of their learning programmes are moved to the replacement qualifications. If a learning programme appears to be missing from here, please check the replaced qualification.

NONE

PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS QUALIFICATION:

This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.

1.	Tshwane University of Technology (TUT)