MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai

Programme Overview

Micro, small, and medium enterprise (MSME) access to credit remains constrained in transition economies facing macroeconomic volatility and heightened credit risk.⁣​‌​‌​​‌​​‌‌​‌​‌‌​‌‌​​​​‌​‌‌‌​​‌‌​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​​‌⁣ Partial Credit Guarantee (PCG) schemes serve as essential public policy instruments to overcome collateral shortfalls, mobilise private capital, and share downside risk between the state and financial intermediaries. This four-day programme examines the core mechanics of designing, operationalising, and supervising sustainable PCG funds in line with international good practices for public credit guarantee systems.

Participants explore the operational architecture of financial intermediation through participating financial institutions (PFIs). The curriculum examines portfolio versus individual underwriting, risk-sharing ratios, fee structures, and capital preservation strategies. Delegates review how to balance additionality with financial viability, ensuring that public interventions crowd in private bank lending rather than subsidising existing credit. The course also addresses the regulatory implications of guarantee issuance, covering prudential capital relief and compliance with supervisory standards.

The course delivers practical exposure to claims management, default verification, recovery operations, and portfolio risk reporting. Specialists dissect monitoring frameworks used to assess PFI compliance, origination standards, and lending behaviour. Through real-world case analysis, delegates master quantitative methods for calculating guarantee pricing, provisioning under expected credit loss frameworks, and managing fiscal risk. The training equips public institutions and project implementation units to deliver transparent, impact-driven MSME recovery instruments.

Financial sector stability and economic recovery demand robust mechanisms that maintain credit flow to vulnerable enterprises without burdening bank balance sheets with unmanageable non-performing loans.⁣​‌​‌​​‌​​‌‌​‌​‌‌​‌‌​​​​‌​‌‌‌​​‌‌​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​​‌⁣ In environments where commercial lenders withdraw into risk-averse postures, properly structured credit guarantee facilities are vital to absorb initial losses and unlock liquidity. Developing effective institutional capacity to manage facilities such as the 102.9 million US dollar Georgia Relief and Recovery for Micro, Small, and Medium Enterprises project ensures that public resources de-risk strategic lending, protect fiscal positions, and support sustainable private sector employment.

Delivered by Risalat Consultants International in Dubai, United Arab Emirates, it combines expert-led sessions, real cases and group work, so that participants can apply what they learn in their own institution.

The Programme Strengthens Institutional Capability

• Core principles of partial credit guarantee mechanisms in emerging and recovery markets
• Institutional models: independent legal entities, trust funds, and managed portfolio windows
• Applying the World Bank Principles for Public Credit Guarantee Schemes to fund governance
• Designing eligibility frameworks to target viable yet credit-constrained MSME sectors
• Defining financial and economic additionality: metrics, baselines, and screening tools
• Risk-sharing arrangements: pari passu, subordinated risk, first-loss, and portfolio caps
• Guarantee pricing methodologies: administrative cost recovery versus actuarial risk models
• Capital preservation and fund leverage: determining sustainable leverage ratios
• Budget preparation and execution
• Financial reporting and accounting standards
• Cash and treasury management
• Internal control over payments and assets

It is designed for managers and technical staff of public credit guarantee schemes, central bank supervisors overseeing financial intermediation and prudential regulation, ministry of Finance officers responsible for sovereign contingent liabilities and fiscal risk and others who want practical, current skills in public financial management and finance.

The Growing Importance of MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai

Sound financial management is the basis for credible budgets, timely payments and clean audits. Governments and financiers expect accurate reporting, disciplined budget execution and transparent use of funds.

Changes in reporting standards, digital payment systems and financier requirements mean finance teams must keep their skills current. Strong financial management also frees time and money for the services that matter.

Organisations increasingly require professionals capable of:

• Prepare and execute budgets in line with plans
• Produce accurate, timely financial reports
• Apply controls over payments and assets
• Meet financier financial management requirements
• Use financial information to support decisions

Strong public financial management and finance systems help organisations:

• Improve budget credibility and execution
• Produce reliable reports and clean audits
• Reduce payment delays and errors
• Build trust with financiers and oversight bodies

This MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai programme brings these elements together in a practical format, so that participants understand not only what good practice looks like but also how to introduce it in their own setting, with the people and resources they have.

Who Should Attend This MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Training?

This programme is designed for:

• Managers and technical staff of public credit guarantee schemes
• Central bank supervisors overseeing financial intermediation and prudential regulation
• Ministry of Finance officers responsible for sovereign contingent liabilities and fiscal risk
• Ministry of Economy officials managing MSME development and access-to-finance strategies
• Project implementation unit directors handling donor-financed economic recovery loans
• Credit and risk officers from commercial banks participating in guarantee mechanisms
• Non-bank financial institution regulators focusing on microfinance lending windows
• Financial sector specialists designing small enterprise support interventions
• Internal auditors and compliance officers within development finance institutions
• Finance managers and accountants
• Budget officers and analysts
• Treasury and cash management staff

The programme suits experienced professionals as well as those moving into new responsibilities. Groups that mix institutions and countries are encouraged, because participants learn a great deal from each other’s experience.

MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Training Objectives

Upon successful completion of this MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Training, participants will be able to:

• Structure partial credit guarantee mechanisms in compliance with the World Bank Principles for Public Credit Guarantee Schemes
• Determine optimal risk-sharing ratios, fee schedules, and coverage caps to balance financial sustainability and lending additionality
• Establish clear eligibility criteria and origination guidelines for micro, small, and medium enterprise loan underwriting
• Design rigorous claims settlement workflows, payout triggers, and post-claim recovery sharing protocols with participating commercial banks
• Implement comprehensive portfolio risk monitoring and early warning indicators aligned with IFRS 9 expected credit loss standards
• Audit the underwriting and lending practices of participating financial intermediaries to prevent moral hazard and adverse selection
• Formulate prudential reporting frameworks to track contingent liabilities and protect the long-term capital base of the guarantee fund
• Claims processing procedures: verification standards, documentation checks, and approval tiers
• Workout strategies, collateral realisation, and post-payout recovery distribution rules
• Portfolio risk tracking: delinquency roll rates, vintage curves, and concentration limits

Each objective is practised during the programme through exercises, cases or group work, so that participants leave able to do it, not only to describe it.

Programme Contents and Structure

MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Training Methodology

The training is delivered through structured technical presentations, hands-on financial modelling exercises, and institutional case studies.⁣​‌​‌​​‌​​‌‌​‌​‌‌​‌‌​​​​‌​‌‌‌​​‌‌​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​​‌⁣ Delegates work directly with real-world credit guarantee documentation, supervisory templates, and calculation workbooks to analyse risk-sharing dynamics. Facilitated group discussions enable peer exchange on supervisory and operational challenges, while structured simulations require participants to assess guarantee claims, calculate contingent liability provisions, and audit financial intermediary compliance.

The programme combines:

• Expert-led sessions on current practice
• Regional and international case studies
• Group work and practical exercises
• Simulations and role plays where relevant
• Discussion of participants' own challenges
• Peer learning across institutions and countries
• Practical tools and templates to take back to work
• Daily reflection and action planning

Before the programme, a short pre-assessment helps the facilitators understand each participant’s role and priorities, so that examples and exercises can be adjusted to the group. Each day ends with a short reflection in which participants note what they will apply at work.

Expected Outcomes

Upon completion of this MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Training, participants will be able to:

• Deploy operational risk-sharing structures that crowd in private bank lending for targeted MSME segments
• Appraise and accredit participating financial intermediaries using standardised institutional due diligence scorecards
• Calibrate guarantee fees and coverage caps that preserve the capital endowment against portfolio credit shocks
• Execute transparent, fraud-resistant claims verification and default settlement processes for partner banks
• Produce regulatory and managerial reports detailing fund leverage, vintage performance, and expected losses under IFRS 9
• Enforce operational agreements that hold commercial lenders accountable for recovery realisation and ethical debt collection
• Prepare and monitor budgets linked to plans
• Produce accurate financial reports

Participants leave with a personal action plan and practical tools they can use in their institution from the first week back. Institutions that send several participants can use the programme to agree shared methods and templates across teams, which makes improvements easier to sustain.

Institutional Application of MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Training

This programme supports organisations in strengthening:

• Budget preparation and execution
• Financial reporting
• Payment and cash controls
• Donor financial management
• Audit readiness

Participants return with practical tools to improve:

• Budget monitoring
• Interim financial reports
• Reconciliations
• Asset management
• Audit follow-up

The programme is built so that learning moves from the classroom into the institution. Participants work on their own processes and documents where possible, and leave with an action plan that their managers can review and support.

Regional Relevance & Application

Europe

European institutions apply public financial management and finance within detailed regulatory frameworks and reform agendas. Participants from Europe can compare their practice with colleagues from other regions and test how established methods work under different conditions.

Africa

Across Africa, ministries, agencies and project teams working in public financial management and finance increasingly operate alongside donor-financed programmes that expect clear systems and evidence. The programme helps participants adapt good practice to the institutions and resources they work with.

Middle East

In the Middle East, national development strategies and diversification plans place growing demands on public financial management and finance. Participants explore how to build the capability these plans need inside public bodies and companies.

Asia

Institutions across Asia combine rapid growth with ambitious modernisation programmes. Participants from Asia can share their experience of scaling systems quickly and learn from approaches used elsewhere.

Pacific

Small island and Pacific states face particular constraints of size, distance and capacity. The programme highlights practical, proportionate approaches to public financial management and finance that suit smaller institutions.

Holding the programme in Dubai, United Arab Emirates brings participants together away from their daily pressures, so they can compare how public financial management and finance is handled in different settings. The same programme can also be delivered in-house for one institution, in its own country or online, with cases taken from its current work.

Host Country Profile – United Arab Emirates

Programmes, Workshops, Exposures, Training Courses in Dubai, UAE by Risalat Consultants International

Studying away from their own country gives participants time to focus, a fresh view of their own institution and the chance to build a network with colleagues from other countries.

MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Training Deliverables

Participants receive support before, during and after the programme, so that preparation, learning and follow-up form one continuous experience.

Before the Programme

• Participant Pre-Assessment
• MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Readiness Assessment
• MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Resource Pack
• Preparatory Reading Materials
• Complimentary Visa Support & Advisory

During the Programme

• Airport Pickup & Welcome Assistance
• Accommodation with Breakfast
• Welcome Networking Dinner
• Risalat Training Kit (Bag, Bottle, Mug, T-Shirt, Cap, Passport Cover, Pens, Notebook, Magnet & Keychain)
• Comprehensive MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai Training Manual
• Budget Monitoring Template
• Interim Financial Report Template
• Reconciliation Checklist
• Audit Preparation Checklist
• Practical Workshops & Simulations
• Group Discussions & Peer Learning
• Daily Lunch and Refreshments
• Full Access to Training Venue Facilities
• Mini Pad / Tablet with Digital Learning Materials
• Field Visit (where applicable)
• Entertaining City Tour

After the Programme

• Certificate of Completion
• Risalat Programme Participation Recognition Award
• Post-Training Reference Materials
• Financial Management Self-Assessment
• Payment Control Checklist
• Post-Training Support & Follow-Up Guidance
• Programme Report

Institutions can also request a tailored in-house version of this programme, delivered at their premises or online. Request a proposal.

Common Challenges in MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai, And How This Training Helps

How can institutions prepare and execute budgets in line with plans?

The programme addresses this directly on the first day (PCG Architecture, Governance, and Additionality), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

How can institutions produce accurate, timely financial reports?

The programme addresses this directly on the second day (Financial Structuring, Pricing, and Capital Adequacy), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

How can institutions apply controls over payments and assets?

The programme addresses this directly on the third day (Intermediation, PFI Monitoring, and Underwriting), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

How can institutions meet financier financial management requirements?

The programme addresses this directly on the fourth day (Claims Management, Recoveries, and Portfolio Analytics), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

How can institutions use financial information to support decisions?

The programme addresses this directly on the first day (PCG Architecture, Governance, and Additionality), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

Frequently Asked Questions

When and where does the MSME Partial Credit Guarantee Schemes and Financial Intermediation in Dubai programme take place?

It runs from 1 Nov 2027 to 4 Nov 2027, in Dubai, United Arab Emirates. The registration deadline is shown at the top of this page.

Who should attend?

The programme is designed for managers and technical staff of public credit guarantee schemes, central bank supervisors overseeing financial intermediation and prudential regulation, ministry of Finance officers responsible for sovereign contingent liabilities and fiscal risk, ministry of Economy officials managing MSME development and access-to-finance strategies, and others who want practical skills in public financial management and finance.

Will I receive a certificate?

Yes. Participants who complete the programme receive a Certificate of Completion from Risalat Consultants International.

Can this programme be delivered for our institution only?

Yes. We can deliver a tailored in-house version at your premises, in another city or online, built around your own cases. Use the proposal request on this page.

Do I need prior experience in public financial management and finance?

No specialist background is required beyond experience in a related role. A short pre-assessment helps the facilitators adapt the sessions to the group.

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