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: 

Develop a client repayment management system 
SAQA US ID UNIT STANDARD TITLE
13445  Develop a client repayment management system 
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 are responsible for designing client repayment systems in micro-finance institutions.

Once a person has completed this unit standard, he/she will be able to:
  • Develop a system to manage client information
  • Develop procedures to manage problem loans
  • Develop repayment schedules for problem loans. 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    Core Level 4 Unit Standard: `Make the financing decision and disburse the loan`. 

    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. 

  • Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Develop a system to manage client information. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The essential elements of a rudimentary client information system are explained in keeping with industry and company policies and practices (such as client demographics, loan details, repayment schedules). 

    ASSESSMENT CRITERION 2 
    2. The most appropriate system to maintain client information is determined in keeping with industry practices and regulatory requirements. 

    ASSESSMENT CRITERION 3 
    3. The elements are structured in a sequential process reflecting a complete client loan repayment management system. 

    ASSESSMENT CRITERION 4 
    4. Implement the system either manually or electronically in line with human and material resources available in the business. 

    SPECIFIC OUTCOME 2 
    Develop procedures to manage problem loans. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. Processes to perform early detection of problem loans are developed in keeping with industry practices and company policies. 

    ASSESSMENT CRITERION 2 
    2. Policies are developed determining processes for dealing with problem loans in a sequential manner (e.g. client visits, letter of demand, summons etc) in line with industry practices and the regulatory framework. 

    ASSESSMENT CRITERION 3 
    3. Policies are documented in line with industry practices. 

    SPECIFIC OUTCOME 3 
    Determine repayment schedules for problem loans. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. A grading system for problem loans is developed in keeping with industry practices and company requirements. 

    ASSESSMENT CRITERION 2 
    2. Generic repayment schedules are developed for different categories of problem loans based on rating system. 

    ASSESSMENT CRITERION 3 
    3. Repayment schedule procedure is written up in manual form. 


    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:
  • Demonstrate insight into problem loan situations
  • Understand loan management situations
  • Understand loan recovery procedures
  • Understand legal requirements. 


  • Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    Identify and solve problems using creative and critical thinking:
  • Evaluate problems, make a decision and respond. 

  • UNIT STANDARD CCFO WORKING 
    Work effectively with others in a team/group/organisation/community:
  • Interact with different parties in the process. 

  • UNIT STANDARD CCFO ORGANISING 
    Responsible and effective self-organisation and management:
  • Use a systematic and logical approach to collect and manage loans. 

  • UNIT STANDARD CCFO COLLECTING 
    Collect, analyse, organise and critically evaluate information:
  • Gather information in order to respond in an appropriate manner to problems. 

  • UNIT STANDARD CCFO DEMONSTRATING 
    Demonstrate an understanding of the world as a set of related systems:
  • Discuss the impact of poor loan management on the organisation. 

  • 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.