SAQA All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD: 

Manage loan portfolios 
SAQA US ID UNIT STANDARD TITLE
13428  Manage loan portfolios 
ORIGINATOR
SGB Banking and Micro Finance 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
BANKSETA - Banking Sector Education and Training Authority 
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Finance, Economics and Accounting 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular  Level 4  NQF Level 04 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Reregistered  2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2024-06-30   2027-06-30  

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 unit standard does not replace any other unit standard and is not replaced by any other unit standard. 

PURPOSE OF THE UNIT STANDARD 
This unit standard is aimed at people who already work in the micro finance sector and who need to function at an operational management level.

It provides the learner with the tools and techniques to analyse loan portfolios and address potential and actual problems.

The qualifying learner is capable of taking responsibility for either a specific segment of the loan portfolio or the whole loan portfolio of the micro finance institution.

Once a person has completed this unit standard, he/she will be able to:
  • Determine the steps of portfolio management
  • Analyse the loan portfolio
  • Determine and implement the appropriate responses to the "portfolios at risk". 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    CORE LEVEL 3 Unit Standard: `Collect and manage loans`. 

    UNIT STANDARD RANGE 
  • All categories of micro-enterprise credit up to R50 000 will be included.
  • The unit standard applies in both rural and urban contexts in South Africa.
  • Knowledge of best practice portfolio at risk ratios. 

  • Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Determine the steps of portfolio management. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The importance of measuring the micro finance institution's portfolio performance is explained in terms of industrial and company practices and requirements. 

    ASSESSMENT CRITERION 2 
    2. The typical steps of portfolio management are listed and described in line with best practice. 

    ASSESSMENT CRITERION 3 
    3. The responsibilities for different aspects of portfolio management are identified and explained in line with company, industry and best practice. 

    SPECIFIC OUTCOME 2 
    Analyse the loan portfolio. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The results of the financial analysis across the loan portfolio are compared on the basis of set criteria. 

    ASSESSMENT CRITERION 2 
    2. A loan portfolio analysis is performed using applicable ratios. 

    ASSESSMENT CRITERION 3 
    3. An "age analysis" of a loan portfolio is performed using best practice. 

    ASSESSMENT CRITERION 4 
    4. Information is interpreted to ensure that portfolio analysis results are valid and reliable. 

    SPECIFIC OUTCOME 3 
    Determine and implement the appropriate response to the "portfolios at risk". 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. "Loans at risk" are identified and rated according to "age analysis". 

    ASSESSMENT CRITERION 2 
    2. Actions to remedy the problem loans are identified based on industry, company and regulatory requirements. 

    ASSESSMENT CRITERION 3 
    3. The progress of the remedial actions is monitored and regular reports are compiled. 

    ASSESSMENT CRITERION 4 
    4. The loan portfolio is managed and maintained to ensure the lowest acceptable "loan at risk" rate. 

    ASSESSMENT CRITERION 5 
    5. The ability to maintain measurable results in increasing loan repayments is demonstrated in written documentation. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
    1. An individual wishing to be assessed (including through RPL) against this unit standard may apply to an assessment agency, assessor or provider institution accredited by the relevant ETQA.
    2. Anyone assessing a learner against this unit standard must be registered as an assessor with the relevant ETQA.
    3. Any institution offering learning that will enable achievement of this unit standard or assessing this unit standard must be accredited as a provider with the relevant ETQA.
    4. Moderation of assessment will be conducted by the relevant ETQA at its discretion. 

    UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
    The learner can:
  • Understand and apply loan performance measures.
  • Analyse financial and other information in portfolio management.
  • Understand the application of age analysis of loans.
  • Understand the importance of follow-up. 


  • Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    Identify and solve problems using creative and critical thinking:
  • Assess and respond to problems in an appropriate manner. 

  • UNIT STANDARD CCFO ORGANISING 
    Responsible and effective self-organisation and management:
  • Use a systematic approach to evaluate information and remedy problems that occur. 

  • UNIT STANDARD CCFO COLLECTING 
    Collect, analyse, organise and critically evaluate information:
  • Collect and analyse all information related to managing and maintaining acceptable portfolio risks. 

  • UNIT STANDARD CCFO COMMUNICATING 
    Communicate effectively using visual, mathematical and language skills both verbally and in writing:
  • Report and discuss problems in order to remedy them. 

  • UNIT STANDARD CCFO DEMONSTRATING 
    Demonstrate an understanding of the world as a set of related systems:
  • Discuss the relationship between financial analysis and loan performance. 

  • REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Core  23433   Further Education and Training Certificate: Micro Finance  Level 4  Level TBA: Pre-2009 was L4  Reregistered  2023-06-30  BANKSETA 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    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. AG Tax Office (PTY) LTD 
    2. Amandla Obunye Training Academy 
    3. Chartall Business College 
    4. Compuscan Academy 
    5. Felix Risk Training Consultants 
    6. Nedbank Ltd 
    7. RUDO CONSULTING cc 



    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.