How to create a programme on Debt Eligibility?

Creating a programme

To create a programme Debt Eligibility, you must have the “Programme Manager” role within Kls Desk.

There are 2 roles in this product:

1. Programme manager, authorised to create, manage, validate, and report on a programme
2. Distributor, authorised (via a referent) to make reservations and report events relating to their guaranteed or subsidised loans

If you possess the relevant permissions, you will see the “Debt Eligibility” app, on the right-hand side of the Kls Desk home page.

Within the app, you will access your managed programmes, where you can view the envelope consumption, the number of submissions and documented loans, and the distribution end date.

Nb: If this page is empty, no programmes have yet been created.

To start creation, click “Create a new programme” in the top right.

Instructions for creating a new Programme

Complete all required fields (denoted by *):

• Programme name
• Institution (EIF, EIB, EBRD, or IFC) 
• Market: determines user access. For example, selection of the “Corporate” market restricts access to programme managers and distributors authorised for “Corporate”
• Amount: this cannot be reduced after the programme has been distributed
• Currency: The primary reporting currency for the programme (other accepted currencies may be added).

Upon creation, you will be redirected to the programme home page, where real-time envelope consumption is tracked. This page is also visible to future distributors. 

The home page can be tailored to help distributors take charge distribution.

You can set up a secure dataroom with subfolders for relevant documentation and define the distribution process, so all parties understand the steps in obtaining a guarantee.

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Once customised, click “Manage programme” in the top right-hand corner to refine settings.

Let's have a look at each tab:

Programme identity

Contain basic information set at programme creation, with the ability to amend or add fields.

For example, the “Maximum loan value” per-loan limit; information fields specify guarantee detail or rating types. 

You can enable automatic notifications for a defined consumption threshold (e.g. 90% of a €100,000,000 envelope). When the reserved amount hits €90,000,000, entity programme managers will be alerted. See the article on notifications.

Eligibility settings

Define all criteria for programme eligibility; this forms the basis of forms to be achieved by distributors making reservations, and provides additional non-discriminatory data for reporting.

The tab is divided into three main sections:

1. Beneficiary

This segment is dedicated to retrieving information and checking eligibility at the beneficiary level, i.e. the borrower customer requesting the guarantee.

2. Beneficiary's project

Questions about the use and objectives of the financed project.

3. Beneficiary's loan

In this last segment, you'll be able to retrieve information on the terms and conditions of the loan intended to finance the beneficiary's project.

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Each segment allows customisation of fields and eligibility logic, supporting

• Generic questions

Simple Yes/No fields, including ability to create conditional rules or link to other fields.

• Information fields

Sub-segments allow you to retrieve complex criteria.

A drop-down list of fields is available for you to add. Contact support to request new questions if needed

There are two types of field:

• • Data: allows text/number input controlled by limits
  • Choice list: defines possible answers and can flag certain responses as (in)eligible.

Eligibility conditions can be set to respond to composite field logic (e.g. “Yes” answer + sales > X amount; or reserve investment themes for certain departments).

 

Everything has been set up to ensure that all the specificities and constraints defined by the programme rules can be transcribed, to facilitate distribution (and understanding for distributors).

All information defined here forms the eligibility form for distributors.

Portfolio settings

This tab allows programmes manager to create higher-level portfolio rules (as opposed to reservation-level rules).

It is possible to create portfolio balances, such as rating or borrower type, to ensure balanced programme distribution and prevent overuse by one group.

Loan servicing settings

This tab is optional. It allows creation of event lists (e.g. prepayment, default) which distributors can declare for guaranteed loans. .

The programme manager can create lists of declarable events, and the distributors concerned will be able to notify the programme manager of any significant events linked to their guaranteed loan.

Distributors notify the manager via the app, triggering email alerts. 

This enables close monitoring of loan events and communication of relevant incidents to the guarantor if needed.

Reservation management

Sets maximum allowable duration (in months) for reservations and extensions.

The system calculates reservation lifespan: if exceeded, reservations are automatically cancelled, and amounts restored to the envelope.

Distributors can re-request reservations on behalf of the customer as necessary, ensuring optimal use of available funds.

 

Distributors management

This is the final setup tab, where you select the distributors authorised to market the programme.

Programme managers can choose banks, teams, or users. They may set individual consumption limits to maintain distribution equity.

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Bravo, you've created your programme with Debt Eligibility, now publish it!

Once all tabs are completed, your programme is ready for distribution!

Return to the programme home page and click “Publish programme”. The programme is not available to designated distributors, so they can begin submitting reservations requests.