Asset and Liability Management (ALM) Training by Sacco Champions Kenya equips SACCO leaders with the essential tools to manage liquidity, interest rate risks, and balance sheet stability effectively. Strong financial governance begins with a deep understanding of how assets and liabilities interact.
Course Overview
Asset and Liability Management (ALM) is a crucial component of financial sustainability. The training focuses on enhancing financial resilience by aligning assets and liabilities to minimize risks and improve decision-making.
Participants gain practical insights into how ALM strategies safeguard member deposits, support sustainable growth, and maintain financial stability within the SACCO system. With real-world examples and interactive discussions, this training empowers leaders to make informed, data-driven decisions.
Objectives of the Training
By the end of this program, participants will be able to:
-
Understand core ALM concepts and their application in SACCO operations.
-
Monitor liquidity and capital adequacy to ensure financial soundness.
-
Support strategic financial planning through risk-aware decision-making.
-
Strengthen board oversight on financial risk management.
-
Promote long-term balance sheet stability and member confidence.
This session prepares SACCO leaders to identify, measure, and mitigate risks that could impact institutional growth and profitability.
Key Course Content
1. Matching Assets and Liabilities
This section explores the importance of aligning assets and liabilities based on their terms and maturity. Participants learn how mismatches can affect liquidity and how to structure the balance sheet to support financial resilience.
2. Managing Key Financial Risks
SACCOs face several risks that can impact performance. The course covers liquidity risk, interest rate risk, and concentration risk, providing strategies for early identification and mitigation.
3. Tools for ALM: Maturity Gap Analysis and Stress Testing
Participants are introduced to analytical tools such as maturity gap analysis, which assesses timing mismatches, and stress testing, which evaluates SACCOs’ ability to withstand financial shocks.
4. Understanding ALCO (Asset-Liability Committee)
This module clarifies the roles and responsibilities of the ALCO in managing SACCO finances. It emphasizes how effective committee oversight supports strategic financial planning and ensures compliance with regulatory standards.
Target Audience
This training is ideal for:
-
Board Finance and Strategy Committees
-
Executive Board Members
-
Senior SACCO Management Teams
-
Risk and Compliance Officers
Whether you are responsible for policy formulation or financial oversight, this course provides valuable tools to strengthen decision-making and safeguard your SACCO’s assets.
Duration and Certification
The full course runs for 3 hours, blending theory with practical case studies and discussions. Participants receive a Certificate of Completion from Sacco Champions Kenya to validate their enhanced understanding of ALM principles and governance.
Why Choose Sacco Champions Kenya
Sacco Champions Kenya is a trusted leader in SACCO training and capacity building. Their programs are developed by industry experts and align with regulatory frameworks to enhance governance and performance.
They also offer specialized courses like the Anti-Money Laundering Training, which complements the ALM course by strengthening compliance and risk management capabilities.
Strengthen Financial Resilience Through Effective ALM
Sound financial management is the backbone of SACCO success. By mastering asset and liability management, SACCO leaders ensure liquidity stability, reduce risks, and make confident financial decisions that drive growth and protect member interests.
Enroll today at Sacco Champions Kenya and empower your board with the knowledge to manage financial risks effectively and lead with integrity.