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Ideal Workplace Solutions
NITA AccreditedIntermediatePhysical + Virtual5 daysTOLM936

Training on Liquidity Management & Treasury Operations in SACCOs

Liquidity risk course for SACCOs: maintain 15% ratio, prevent cash shortfalls, build contingency plans.

Next intake

20 Jul 2026 · Nakuru

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Duration

5 days

Live instruction

Delivery

Physical + Virtual

Cohort based

Level

Intermediate

Working professionals

Certification

NITA reimbursable

For Kenyan cohorts

Language

English

All materials

Overview

About this programme

This practical course equips SACCO finance officers, treasurers, CEOs, and board members with the tools to manage liquidity risk and optimize treasury operations in a deposit-taking environment. Covering cash flow forecasting, statutory liquidity ratios (e.g., SASRA minimum 15%), liquidity gap analysis, investment of surplus funds, borrowing facilities, and contingency funding plans, the course bridges the gap between member deposit behavior and loan demand. Through real SACCO liquidity crises, cash flow modeling, and treasury policy workshops, participants learn to prevent cash shortfalls, maintain regulatory compliance, and generate treasury income without compromising safety.

Duration

5 Days

Who Should Attend

  • SACCO finance managers and accountants

  • Treasury officers and cashiers

  • SACCO CEOs and general managers

  • Board members (especially finance and risk committee members)

  • Internal auditors and risk officers

Learning outcomes

What you'll walk away with

By the end of the course, participants will be able to:

  • Prepare short-term and long-term cash flow forecasts for a SACCO

  • Calculate and monitor statutory liquidity ratios (SASRA and internal)

  • Identify and mitigate liquidity gaps using gap analysis

  • Develop a contingency funding plan for stress scenarios (e.g., sudden withdrawals)

  • Invest surplus funds prudently within approved instruments and limits

Course modules

What we cover, module by module

Module 1: Liquidity Risk Fundamentals for SACCOs

  • What is liquidity risk? Causes: loan growth outpacing deposits, seasonality, member panic

  • Unique SACCO liquidity drivers: check-off loans, share withdrawals, dividend payouts

  • Statutory framework: SASRA liquidity ratio (minimum 15% of member deposits)

  • Case Study: Review a SACCO that failed due to a liquidity crisis – identify three early warning signs and list five preventive measures

Module 2: Cash Flow Forecasting & Liquidity Gap Analysis

  • Daily, weekly, and monthly cash flow forecasting: inflows (deposits, loan repayments) and outflows (loan disbursements, withdrawals)

  • Liquidity gap analysis: cumulative gaps and funding requirements

  • Seasonal patterns: school fees season, harvest season, dividend payment periods

  • Hands-on Exercise: Build a 30-day cash flow forecast for a SACCO with KSh 100M deposits, KSh 80M loans, and KSh 20M undrawn commitments – identify daily liquidity gaps and peak funding needs

Module 3: Statutory Liquidity Ratio-Calculation & Monitoring

  • Components of member deposits: savings, fixed deposits, and share capital (treatment varies)

  • Liquid assets eligible for SASRA ratio: cash, bank balances, government securities (T-bills, T-bonds)

  • Frequency of calculation and reporting requirements (daily monitoring, monthly returns)

  • Hands-on Exercise: Calculate the statutory liquidity ratio from a SACCO balance sheet and bank statements – determine compliance and recommend actions if below 15%

Module 4 : Treasury Operations-Surplus Investment & Borrowing Facilities

  • Permissible investment instruments for SACCOs: government securities, fixed deposits, other approved instruments

  • Investment policy: counterparty limits, maturity ladder, yield vs. safety trade-off

  • Borrowing facilities: overdrafts, lines of credit from banks, inter-SACCO borrowing

  • Case Study: A SACCO has KSh 10M surplus for 90 days – design an investment ladder (T-bills, fixed deposits) maximizing yield while maintaining daily liquidity of KSh 2M

Module 5 : Contingency Funding Plan (CFP) & Liquidity Stress Testing

  • Components of a CFP: early warning indicators, funding sources, escalation procedures

  • Stress scenarios: sudden member withdrawals (e.g., 10% of deposits in 7 days), loan disbursement surge, bank line reduction

  • Liquidity stress testing: mild, moderate, and severe scenarios

  • Hands-on Exercise: Draft a contingency funding plan for a mid-sized SACCO – include three early warning triggers, three funding sources (internal and external), and an escalation matrix (who decides, when)

Impact

Where the change lands

Organizational Impact

  • Maintained compliance with statutory liquidity ratio (e.g., 15% of member deposits)

  • Reduced incidence of liquidity shortfalls and emergency borrowings

  • Improved treasury income through prudent surplus investment

  • Enhanced member confidence with consistent loan disbursement and withdrawal processing

Individual Impact

  • Ability to prepare and interpret daily, weekly, and monthly cash flow forecasts

  • Skill to calculate and monitor regulatory liquidity ratios accurately

  • Proficiency in designing a contingency funding plan (CFP) for stress scenarios

  • Confidence to invest surplus funds within regulatory and policy limits

Dates and locations

Upcoming intakes

Every intake is limited to a small cohort. Booking closes when a date fills or three weeks before the start, whichever comes first.

Full calendar
FAQs

Common questions.

Still not sure? Send us a note and a facilitator will get back to you within a business day.

It covers cash flow forecasting, statutory liquidity ratio (SASRA 15%), gap analysis, surplus investment, borrowing facilities, and contingency funding plans.

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For corporate teams

Training 10+ professionals?

We deliver Training on Liquidity Management & Treasury Operations in SACCOs in-house at your offices, at a venue we arrange, or fully virtual. Customise the curriculum against your KPIs, and get a bespoke price for the cohort size you need.

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