Part of Activation
Financial Literacy Mastery
The next step after Financial Literacy Essentials: real financial planning skills for a growing business — forecasting cash flow, reading your own numbers, planning for uncertainty, and using Comoros' real financing tools (guarantee funds, cooperative loans) with confidence, not guesswork. This is not about setting a price or writing a funding pitch — those live in their own courses — this is about planning and forecasting your finances like a professional.
Objectives
- Build a 3-month cash-flow forecast from real, not hoped-for, numbers.
- Read a basic profit-and-loss statement and balance sheet well enough to spot a real problem.
- Plan for at least two realistic 'what if' scenarios, not just the best case.
- Evaluate SOGAK's guarantee scheme and Union des Meck's loan products as real financing options, not just theory.
- Apply basic debt and credit discipline before taking on any financing.
Recommended tools
What professionals use for this course, with a free or open-source option wherever there is one.
- Microsoft ExcelPaid
Spreadsheets, budgets and forecasts.
- Google SheetsFree
Shared online spreadsheets, free with a Google account.
- LibreOffice CalcOpen source
Free spreadsheet that opens and saves Excel files.
Alternative to Microsoft Excel
- QuickBooksPaid
Accounting, invoices and financial reports.
- AkauntingOpen source
Invoices, expenses and accounting online, open source.
Alternative to QuickBooks
Lessons
- Course OverviewReading
- Cash-Flow ForecastingReading
- Reading a Basic P&L and Balance SheetReading
- Scenario Planning Under UncertaintyReading
- Insurance and Climate Risk for a Small BusinessReading · 25 min
- Real Financing Tools: SOGAK and Coup de PouceReading
- Bank, Microfinance or Mobile Money: Choosing for Your BusinessReading · 25 min
- Debt and Credit DisciplineReading
- Presenting Your 3-Month Financial PlanAssignment
- Validation quizQuiz · 15 min
- What next? Tools and your pathwayReading · 5 min