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Erudite AfricaCenter of Excellence
← Supply Chain Finance for Ethiopian Exports and Imports

Credit, risk, limits and pricing for programme finance

Module 02 / 5 · 70 min

Assess the anchor and its suppliers, measure dilution, choose between true sale and recourse, and set limits and prices that hold up at committee.

In this module you will learn to

  • Analyse the anchor's credit and the effect of longer payment terms on its balance sheet
  • Assess supplier performance risk, dilution and fraud, and set controls for each
  • Explain the difference between true sale and recourse structures and the Ethiopian legal steps behind them
  • Build a risk-based price for programme finance and defend it against cheaper alternatives

Built on

  • Erudite Africa training module: Ethiopian Context, topic 1.k Supply Chain Finance for Ethiopian Exports/Imports, Level 2 Intermediate (October 2026)
  • Erudite Africa: Ethiopian regulatory framework register (October 2026)
  • A commercial bank's Revised Credit Procedure Manual (August 2025), unnamed
  • NBE directives as listed in the lessons: FXD/01/2024, FXD/04/2026, FXD/05/2026, SBB/87/2024, SBB/90/2024, NBE/INT/13/2026, MCR/01/2020, ONPS/09/2023; NBE MPC No. 7 press release (July 2026)
  • Movable Property Security Right Proclamation No. 1147/2019 and Warehouse Receipt System Proclamation No. 372/2003, as cited in the bank manual

Examples and companies are fictional. Bank practices are shown as typical Ethiopian practice, not as any one bank's policy. Always apply your own institution's approved policy and the current NBE directives.