Context

The rural savings and credit facilities (RSCF) have to observe a strict guideline of procedures to complete any administrative or financial operations.
Within the framework of the Project supported by Wasasa IMF and CIDR in rural areas of the Oromiya Region, in Ethiopia, a procedures manual for cashiers of a RSCF has been elaborated by the Microfinance Technical Support Centre to establish their different tasks.

Contribution

This guide is a reference for technical operators of participative microfinance systems implementing saving and credit facilities, as it describes the main operations executed by the cashiers and precise for each of them, the rules and process to observe.

Content

The cashiers are involved in activities of registration, checking and control in operations related to :

 Membership
 Savings account (SA) deposit
 SA withdrawal
 Time deposit (TD)
 TD withdrawal
 Flexible time deposit (FTD)
 FTD withdrawal
 Loan application
 Loan disbursement
 Loan repayment : regular and big instalment loans
 Loan repayment : term loans
 Operating expenses
 Sale of passbook and other incomes
 Fixed assets
 End of the day operations
 End of the month operations