Title of the training

Creditworthiness Analysis in Local Governments


3 Days (18 lesson hours)

Purpose and scope

Creditworthiness Analysis in Local Governments training aims to provide participants with the knowledge and skills to analyze, evaluate, report on the past and future debt payment ability of local governments and institutions and to read, understand and interpret these reports. This training focuses on the basic rules and principles that are taken as criteria in determining credit worthiness, determining the borrowing and debt payment potential, and therefore carrying out analysis, evaluation and reporting practices on how much credit can be used and under what conditions.

Target audience

Creditworthiness Analysis in Local Governments training should be taken by those who have duties related to Creditworthiness reporting or the use of Creditworthiness reports in public institutions and organizations, local governments, non-governmental organizations, private institutions and organizations or those who plan to work in these areas.


Creditworthiness Analysis in Local Governments training is given by experts who have experience in the finance and lending processes or who have previously given Creditworthiness Training, and who also knowledgeable about the credit disbursement rules of international funding organizations.

Objectives and learning outcomes

Those who have successfully completed the Creditworthiness Analysis in Local Governments training are expected to;

  • Understand the concept of credit worthiness, credit analysis, credit risks.
  • Understand the credit process as a whole, recognize risks and opportunities.
  • Appropriately manages the credit process from the beginning of the process to the end.


Creditworthiness Analysis in Local Governments training includes the following topics:

  • What is the Concept of Credit Worthiness? What is Credibility?
  • Types of Risk and Measuring the Credit Ticket
  • Elements of Political Risk
  • Country Risk
  • Economic Risks
  • Market Risk
  • Credit Risk
  • Interest Risk
  • Liquidity Risk
  • Currency Risk
  • Currency Position Risk
  • Transfer Risk
  • Customer’s Character and Performance Risk
  • Credit Evaluation Criteria
  • Calculation of Creditworthiness of Firms
  • Credit Analysis in General Sense
  • Purpose of Credit Analysis
  • Factors to Consider in Credit Analysis
  • 5C’s in Credits
  • What is Swot Analysis and How is it Done?
  • Credit Analysis
  • Credit Risk Management and Risk Classification
  • Interest Rates
  • Exchange rates
  • Commodity Prices
  • Local Events
  • Structuring and Disbursement of Credit
  • Determination of the Maturity of the Loan
  • Collateralization of Credit
  • Credit Pricing
  • Credit Management
  • Credit Monitoring
  • Termination of Credit

Delivery and method

Creditworthiness Analysis in Local Governments training is applied in the form of face-to-face training. It is recommended to have no more than 15 people in each group to ensure active participation and effective learning in this training. However, if conditions arise that prevent face-to-face training, the training may be delivered remotely by using the Me-Learning© online learning platform and the Actio© meeting management tool.

Information on credit-related terms, the concept of creditworthiness and risks is presented in a systematic order.  Interactive learning activities such as group studies and case studies are carried out in order to develop skills related to the application of Creditworthiness analysis processes to ensure the transfer of knowledge and concepts into practice.

Learning tools and materials

In Creditworthiness training, measurement of creditworthiness, application of credit evaluation criteria, credit analysis, determination and evaluation of risks, transactions and document examples related to the structuring and utilization of credit are used as training materials.

Audio visual and multimedia materials, templates, worksheets and other materials for exercises and practices are prepared by the trainer and distributed to the participants. It is required for each participant in the training to have equipment such as a computer, notebook or tablet.

In accordance with our waste reduction policy, printed materials are not distributed in this training unless it is educationally necessary.

Assessment and evaluation

In order to optimize the learning process according to the learners’ needs, the level of readiness of the learners is assessed informally by the trainer at the beginning of the training. The studies carried out by the learners, such as exercises and practices are assessed as indicators of the development / learning and the trainer provides feedback and adjusts learning activities based on them in order to ensure effective learning.

A question sheet is administered  to the participants before and after the training to determine the level of awareness and knowledge about Creditworthiness online or in print. In addition, at the end of the training, the Training Evaluation Questionnaire is applied.

All participants who have completed the training receive a certificate of attendance showing that they have completed the Creditworthiness Analysis in Local Governments training and the name and duration of the training they have received is clearly stated.


Creditworthiness, types of risk in cats, measurement of credit ticket, credit evaluation criteria, credit analysis, credit risk management, credit structuring, credit utilization

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