Why do some economies grow faster than others even when people work just as hard? The answer often comes down to two forces: how much productivity actually increases, and how much borrowing accelerates spending in the short run. Understanding the difference — and how the two interact — is at the heart of reading economic cycles correctly.

Productivity gains build up slowly: they come from invention, skill and hard work, and they shape living standards over the long term. Borrowing works differently — it does not wait for production to catch up. When a borrower takes on debt, spending power rises immediately, and because one person’s spending is another person’s income, that boost can move an entire economy long before productivity itself has shifted. This training course, delivered by the Arab British Fellowship Training Academy, unpacks both mechanisms and shows how they combine in real transactions.

Who Should Attend?

• Bank staff and credit officers involved in day-to-day lending decisions.
• Capital owners and business people whose work involves dealing with banks and stock markets.
• Economics and business administration graduates preparing to enter the financial sector or start their own ventures.

Knowledge and Benefits:

By the end of the course, participants will be able to:

• Explain how a loan differs from money, and apply that distinction when structuring transactions and settlements.
• Describe the mechanics of borrowing and its related events, and commit to sound repayment practices.
• Analyse why a loan-driven economy allows income to grow faster than production in the short run.
• Connect the principle that one person’s spending is another’s income to real borrowing scenarios.
• Assess how loan volumes influence the broader economy, including inflation and deflation cycles.

Module 1: Why Bank Loans Matter for Productivity

• The importance of bank loans in supporting productive economic activity.
• How loans influence productivity increases, or fail to.

Module 2: Loans in Practice — Functions and Procedures

• The core functions bank loans perform in the economy.
• Procedures followed when granting a loan.

Module 3: What Drives Lending Decisions

• Factors that affect banks’ lending activity.
• Criteria used to grant loans.

Module 4: Foundations and Credit Models

• Definition and basic concept of bank loans.
• Credit criteria models used by lending institutions.

Want to go deeper? The Academy also offers an extended mini-master track built around bank loans and productivity growth; contact the Arab British Fellowship Training Academy team for details.

Where and When

The course runs in Egypt, Jordan, Malaysia, Turkey, the United Kingdom, France, Italy, Germany, Sweden, Austria, Denmark, Australia and the United States, at a time and place that fits your schedule.

How It’s Delivered

• Group training.
• One-to-one training.
• Field and practical training following an integrated curriculum.
• Classroom-based theory sessions.

On Completion

Participants receive a certificate from the Arab British Fellowship Training Academy confirming their attendance of this course on productivity and borrowing.