المخرجات
- Explain the key SCF techniques (Payables Finance, Receivables Purchase, Dynamic Discounting, and P-Cards) and when to apply each.
- Calculate working-capital metrics (C2C, DSO, DPO, DIH) and measure the financial benefits for buyers and suppliers.
- Design and price SCF programs that balance funding costs, utilization, and profitability for banks.
- Identify and mitigate SCF-related risks (credit, dilution, operational, AML/KYC) within regulatory and compliance frameworks.
- Understand IFRS 7 / IAS 7 supplier-finance disclosure requirements and how to report SCF programs transparently.
- Recognize how Basel III capital treatment and fintech platforms improve efficiency, scalability, and risk visibility.
- Apply SCF knowledge to Jordan-based case studies across sectors (utilities, FMCG, healthcare) and present a practical SCF program proposal.
الفئة المستهدفة
• Corporate and SME Department Heads
• Corporate & SME Relationship Managers
• Treasury & Cash Management Officers
• Transaction Banking and Trade Finance Managers
• Product Development and Digital Transformation Teams
المحتويات
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SCF Foundations & Working-Capital Mechanics
• Definition and ecosystem of Supply Chain Finance (SCF)
• Role of SCF in optimizing liquidity for buyers and suppliers
• Core techniques:
o Payables Finance (Reverse Factoring)
o Receivables Purchase (Factoring)
o Dynamic Discounting
o P-Cards
• Jordan’s Economic Modernization Vision 2030 and JoPACC role in digital trade finance
• Working-capital metrics and formulas (DSO, DPO, DIH, C2C)
• Case study: Utility Anchor – extending DPO by 20 days and supplier impact
Products, Pricing & Program Design
• SCF product families – key features and differences
• Pricing model structure: Base Rate + Credit Spread + Servicing Fee
• Jordan example: 8% base rate, 2% supplier discount
• Supplier segmentation (Tier 1, 2, 3)
• Program governance – treasury, procurement, legal, risk, operations
• Onboarding process: buyer → supplier → KYC → pilot
• Case map: Utility, FMCG, Hospital (Islamic Reverse Factoring)
Risk, Legal & Accounting (IFRS 2023)
• SCF Risk Framework: Credit, Dilution, Operational, Fraud, AML/KYC
• Legal Architecture: Receivables Purchase Agreement (RPA), assignment, consent, recourse vs non-recourse
• Accounting Treatment:
o Buyer disclosures under IFRS 7/IAS 7 (effective 2024)
o Supplier derecognition under IFRS 9
o Bank accounting under Basel III – short-tenor, low RWA exposure
• Practical disclosure template and audit checklist
• Capital efficiency and financial statement impact examples
Capstone Clinic & Certification
• Case simulations: using Credit plus fintech platform (practical session)
o Utility Anchor: Payables Finance
o Islamic Reverse Factoring (Murabaha / Musawameh)