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About the course
Study responsible credit administration and recovery of overdue accounts. You will analyse applications, monitor receivables and evaluate recovery options using financial evidence and lawful, fair procedures.
What you'll learn
- Assess credit information using clear decision criteria.
- Prepare and reconcile receivables records.
- Analyse arrears and prioritise follow-up.
- Compare lawful recovery and repayment options.
- Recommend improvements to a credit-control process.
Requirements
- Entry requires a relevant National Certificate or A Level subjects in the field. English Language is required. A completed National Diploma may support second-year entry to a related degree only after BMIT approves module equivalence and any professional requirements.
- African Kalanga is a compulsory graduation subject in every year of this programme. BMIT confirms the approved entry route, any recognition of prior learning and access to required practical facilities before enrolment.
Course content
Sections: 4
•Activities: 1
•Resources: 24
Subjects in this programme
The complete subject sequence below moves from foundations to specialist application. Stages show learning progression. Practical work and the final project draw together the subjects studied.
19 subjects are listed below, with a short description of each. The Subject descriptions tab contains the learning outcomes, topics, practical tasks and assessments.
Stage 1: Foundations
- Business Communication. Prepare purposeful communication for colleagues, customers and decision makers. You will organise evidence, adjust tone for different audiences and check whether a message leads to the intended action. Examples include multilingual workplaces, professional correspondence and short management reports.
- Digital Business Skills. Use everyday digital tools to organise business information accurately. You will build reliable spreadsheets, manage documents and share work responsibly. Activities address uneven connectivity, accessible communication and the protection of personal information in small organisations and public offices.
- Financial Accounting Foundations. Follow business transactions from source documents to a trial balance. You will use double-entry reasoning, reconcile control accounts and explain common errors. The module develops a clear audit trail before introducing the financial statements used by owners and other users.
- Financial Reporting Fundamentals. Prepare basic financial statements from an adjusted trial balance. You will examine inventory, receivables, non-current assets and accruals, then explain how measurement choices affect reported performance. The emphasis is accurate preparation, supporting schedules and clear interpretation of the figures.
- Commercial Law Foundations. Recognise legal issues in ordinary business transactions. You will distinguish sources of law, examine how agreements arise and consider the rights and duties of contracting parties. Cases are labelled by jurisdiction so legal principles are not assumed to apply identically across borders.
- Business Statistics. Summarise data and judge the strength of numerical evidence. You will distinguish a population from a sample, choose appropriate summaries and interpret uncertainty. Business examples cover demand, customer service, workforce information and variation in operating performance.
Stage 2: Core subjects
- Credit Management. Balance customer credit access with responsible administration. You will examine credit policy, customer assessment, terms. Prepare a fictional credit decision and monitoring plan.
- Debt Recovery and Consumer Protection. Organise lawful recovery with fair communication. You will examine debtor records, consumer rights, communication. Prepare a recovery case plan using current supplied rules.
- Financial Management. Use financial information to support investment and financing decisions. You will evaluate cash flows, estimate funding needs and compare sources of finance. Decisions are examined alongside uncertainty, timing and organisational objectives, with clear separation between calculated results and management judgement.
- Working Capital Management. Manage the cash tied up in everyday operations. You will analyse inventory, receivables and payables, then compare policies affecting liquidity and customer relationships. Cases require you to balance financing cost, operating continuity and the practical risks of delayed receipts or payments.
- Law of Contract. Evaluate contractual duties and remedies. You will examine agreement, capacity, validity. Analyse an agreement and a reasoned response to breach.
- Insolvency Law. Analyse financial distress and creditor interests. You will examine insolvency principles, insolvent estates, creditors. Prepare an estate and creditor analysis from supplied facts.
- Customer Relationship Management. Use customer information to improve acquisition, retention and service relationships. You will examine relationship value, segmentation and contact planning, then assess the quality and responsible use of customer data. Activities connect software records with meaningful service actions and measurable relationship outcomes.
- Corporate Compliance Management. Design controls for organisational legal obligations. You will examine obligation registers, compliance roles, risk assessment. Prepare a compliance plan and evidence register.
Stage 3: Specialist subjects and application
- Research Methods and Evidence Analysis. Plan an enquiry suited to a specific social or organisational question. You will compare qualitative and quantitative approaches, prepare ethical data collection and assess evidence quality. The module connects research questions to sampling, analysis and clear reporting of uncertainty and limitations.
- Workplace Learning and Professional Portfolio. Connect taught subjects with supervised or carefully designed simulated professional work. You will agree learning objectives, record tasks and evaluate your decisions against evidence. The portfolio makes your individual contribution visible and identifies areas requiring further practice or specialist supervision.
- Integrated Business Research Project. Investigate a defined business problem by combining knowledge from several management subjects. You will frame a useful question, gather appropriate evidence and compare feasible responses. The final report explains the recommendation, implementation implications and limitations of the enquiry rather than claiming certainty.
African History and Pan Africanism
- African History and Pan Africanism 101 (Level 1, compulsory core module): Study African history through oral, written and archaeological evidence. Examine the diversity of African societies, knowledge and exchange, then trace the emergence of Pan African ideas about identity, solidarity and self-determination.
- African History and Pan Africanism 201 (Level 2, compulsory core module): Examine colonial change, resistance and liberation across Africa, with attention to Zimbabwe and South Africa. Compare Pan African movements, organisations and debates, including contributions from women, workers and diaspora communities.
Assessment and practical learning
- Credit-analysis and receivables exercises.
- Legal and ethical recovery case tasks.
- An integrated credit-control report and presentation.
Practical application
Complete a proposed fictional customer-account case. Document credit assessment, reconciliation, proportionate follow-up and referral for legal proceedings where appropriate. Do not contact actual debtors.
African History and Pan Africanism practical learning
- African History and Pan Africanism 101: Create an annotated timeline or digital learning poster on a selected African society or historical development. Compare at least two credible sources and explain one connection with your field of study.
- African History and Pan Africanism 201: Develop a comparative case study of a liberation issue or Pan African debate relevant to Southern Africa. Use a historical document alongside a scholarly account and explain differences in purpose and interpretation.
Subject descriptions
Each subject below includes its purpose, learning outcomes, main topics, practical task and assessment approach.
Business Communication
Stage 1: Foundations
Prepare purposeful communication for colleagues, customers and decision makers. You will organise evidence, adjust tone for different audiences and check whether a message leads to the intended action. Examples include multilingual workplaces, professional correspondence and short management reports.
Learning outcomes
- Write a concise business report
- Record decisions and assigned actions
- Present evidence for a defined audience
Main topics
- Audience and purpose
- Professional correspondence
- Report structure
- Meeting records
- Presentations
- Intercultural communication
Practical task
Produce a report, meeting record and five-minute briefing about a service problem.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Digital Business Skills
Stage 1: Foundations
Use everyday digital tools to organise business information accurately. You will build reliable spreadsheets, manage documents and share work responsibly. Activities address uneven connectivity, accessible communication and the protection of personal information in small organisations and public offices.
Learning outcomes
- Build a checked spreadsheet
- Organise retrievable business documents
- Apply appropriate access permissions
Main topics
- File organisation
- Word processing
- Spreadsheet formulas
- Presentations
- Collaborative working
- Privacy and access
Practical task
Create a shared office information pack with formulas, document versions and access instructions.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Financial Accounting Foundations
Stage 1: Foundations
Follow business transactions from source documents to a trial balance. You will use double-entry reasoning, reconcile control accounts and explain common errors. The module develops a clear audit trail before introducing the financial statements used by owners and other users.
Learning outcomes
- Record transactions accurately
- Prepare a trial balance
- Reconcile a bank account
Main topics
- Accounting equation
- Source documents
- Double entry
- Ledgers
- Trial balance
- Bank reconciliation
Practical task
Process one month's transactions for a fictional enterprise and document corrections.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Financial Reporting Fundamentals
Stage 1: Foundations
Prepare basic financial statements from an adjusted trial balance. You will examine inventory, receivables, non-current assets and accruals, then explain how measurement choices affect reported performance. The emphasis is accurate preparation, supporting schedules and clear interpretation of the figures.
Learning outcomes
- Prepare year-end adjustments
- Compile basic financial statements
- Explain changes in reported performance
Main topics
- Adjusting entries
- Inventory
- Receivables
- Non-current assets
- Financial statements
- Cash-flow interpretation
Practical task
Complete year-end accounts and supporting schedules for a small entity.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Commercial Law Foundations
Stage 1: Foundations
Recognise legal issues in ordinary business transactions. You will distinguish sources of law, examine how agreements arise and consider the rights and duties of contracting parties. Cases are labelled by jurisdiction so legal principles are not assumed to apply identically across borders.
Learning outcomes
- Identify a contractual issue
- Apply a legal rule to stated facts
- Explain available contractual remedies
Main topics
- Sources of law
- Contract formation
- Capacity and consent
- Breach and remedies
- Agency
- Consumer transactions
Practical task
Write a reasoned memorandum on a fictional supplier dispute using supplied legal materials.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Business Statistics
Stage 1: Foundations
Summarise data and judge the strength of numerical evidence. You will distinguish a population from a sample, choose appropriate summaries and interpret uncertainty. Business examples cover demand, customer service, workforce information and variation in operating performance.
Learning outcomes
- Select an appropriate data summary
- Interpret a confidence interval
- Explain limits of a correlation
Main topics
- Sampling
- Descriptive statistics
- Probability distributions
- Confidence intervals
- Hypothesis testing
- Correlation and regression
Practical task
Analyse an anonymised service dataset and write a short evidence report.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Credit Management
Stage 2: Core subjects
Balance customer credit access with responsible administration. You will examine credit policy, customer assessment, terms. Prepare a fictional credit decision and monitoring plan.
Learning outcomes
- Explain credit policy in a relevant case.
- Analyse the relationship between customer assessment and terms.
- Produce a reasoned response addressing account monitoring, collections and reporting.
Main topics
- Credit policy
- Customer assessment
- Terms
- Account monitoring
- Collections
- Reporting
Practical task
Prepare a fictional credit decision and monitoring plan.
Assessment
Submit the practical output with supporting evidence and an individual written or oral explanation. Assessment considers subject knowledge, accuracy, reasoning and the quality of the completed work.
Debt Recovery and Consumer Protection
Stage 2: Core subjects
Organise lawful recovery with fair communication. You will examine debtor records, consumer rights, communication. Prepare a recovery case plan using current supplied rules.
Learning outcomes
- Explain debtor records in a relevant case.
- Analyse the relationship between consumer rights and communication.
- Produce a reasoned response addressing payment arrangements, disputes and escalation.
Main topics
- Debtor records
- Consumer rights
- Communication
- Payment arrangements
- Disputes
- Escalation
Practical task
Prepare a recovery case plan using current supplied rules.
Assessment
Submit the practical output with supporting evidence and an individual written or oral explanation. Assessment considers subject knowledge, accuracy, reasoning and the quality of the completed work.
Financial Management
Stage 2: Core subjects
Use financial information to support investment and financing decisions. You will evaluate cash flows, estimate funding needs and compare sources of finance. Decisions are examined alongside uncertainty, timing and organisational objectives, with clear separation between calculated results and management judgement.
Learning outcomes
- Appraise an investment
- Estimate financing requirements
- Interpret financial performance ratios
Main topics
- Time value of money
- Cash-flow estimation
- Investment appraisal
- Cost of capital
- Financing choices
- Financial ratios
Practical task
Prepare a funding and investment recommendation with sensitivity calculations.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Working Capital Management
Stage 2: Core subjects
Manage the cash tied up in everyday operations. You will analyse inventory, receivables and payables, then compare policies affecting liquidity and customer relationships. Cases require you to balance financing cost, operating continuity and the practical risks of delayed receipts or payments.
Learning outcomes
- Calculate working capital needs
- Evaluate a credit policy
- Recommend a liquidity improvement
Main topics
- Cash conversion cycle
- Receivables
- Inventory finance
- Payables
- Short-term funding
- Liquidity controls
Practical task
Build a cash conversion and short-term funding plan for a fictional business.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Law of Contract
Stage 2: Core subjects
Evaluate contractual duties and remedies. You will examine agreement, capacity, validity. Analyse an agreement and a reasoned response to breach.
Learning outcomes
- Explain agreement in a relevant case.
- Analyse the relationship between capacity and validity.
- Produce a reasoned response addressing terms, breach and remedies.
Main topics
- Agreement
- Capacity
- Validity
- Terms
- Breach
- Remedies
Practical task
Analyse an agreement and a reasoned response to breach.
Assessment
Submit the practical output with supporting evidence and an individual written or oral explanation. Assessment considers subject knowledge, accuracy, reasoning and the quality of the completed work.
Insolvency Law
Stage 2: Core subjects
Analyse financial distress and creditor interests. You will examine insolvency principles, insolvent estates, creditors. Prepare an estate and creditor analysis from supplied facts.
Learning outcomes
- Explain insolvency principles in a relevant case.
- Analyse the relationship between insolvent estates and creditors.
- Produce a reasoned response addressing liquidation, rescue and distribution.
Main topics
- Insolvency principles
- Insolvent estates
- Creditors
- Liquidation
- Rescue
- Distribution
Practical task
Prepare an estate and creditor analysis from supplied facts.
Assessment
Submit the practical output with supporting evidence and an individual written or oral explanation. Assessment considers subject knowledge, accuracy, reasoning and the quality of the completed work.
Customer Relationship Management
Stage 2: Core subjects
Use customer information to improve acquisition, retention and service relationships. You will examine relationship value, segmentation and contact planning, then assess the quality and responsible use of customer data. Activities connect software records with meaningful service actions and measurable relationship outcomes.
Learning outcomes
- Analyse a retention problem
- Design a customer contact plan
- Evaluate CRM data quality
Main topics
- Customer lifetime value
- Retention
- Relationship segmentation
- CRM records
- Contact planning
- Data responsibility
Practical task
Develop a retention proposal using a fictional customer dataset.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Corporate Compliance Management
Stage 2: Core subjects
Design controls for organisational legal obligations. You will examine obligation registers, compliance roles, risk assessment. Prepare a compliance plan and evidence register.
Learning outcomes
- Explain obligation registers in a relevant case.
- Analyse the relationship between compliance roles and risk assessment.
- Produce a reasoned response addressing controls, monitoring and reporting.
Main topics
- Obligation registers
- Compliance roles
- Risk assessment
- Controls
- Monitoring
- Reporting
Practical task
Prepare a compliance plan and evidence register.
Assessment
Submit the practical output with supporting evidence and an individual written or oral explanation. Assessment considers subject knowledge, accuracy, reasoning and the quality of the completed work.
Research Methods and Evidence Analysis
Stage 3: Specialist subjects and application
Plan an enquiry suited to a specific social or organisational question. You will compare qualitative and quantitative approaches, prepare ethical data collection and assess evidence quality. The module connects research questions to sampling, analysis and clear reporting of uncertainty and limitations.
Learning outcomes
- Formulate a research question
- Select a defensible research design
- Prepare an ethical data collection plan
Main topics
- Research questions
- Literature review
- Design choices
- Sampling
- Ethics
- Data analysis
Practical task
Submit a research proposal, instruments and a worked analysis of a pilot dataset.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Workplace Learning and Professional Portfolio
Stage 3: Specialist subjects and application
Connect taught subjects with supervised or carefully designed simulated professional work. You will agree learning objectives, record tasks and evaluate your decisions against evidence. The portfolio makes your individual contribution visible and identifies areas requiring further practice or specialist supervision.
Learning outcomes
- Set assessable workplace objectives
- Document your contribution
- Evaluate professional learning needs
Main topics
- Learning agreement
- Professional conduct
- Work evidence
- Supervisor feedback
- Reflective analysis
- Improvement planning
Practical task
Compile a verified or simulated workplace portfolio with supervisor or facilitator feedback.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
Integrated Business Research Project
Stage 3: Specialist subjects and application
Investigate a defined business problem by combining knowledge from several management subjects. You will frame a useful question, gather appropriate evidence and compare feasible responses. The final report explains the recommendation, implementation implications and limitations of the enquiry rather than claiming certainty.
Learning outcomes
- Frame a researchable business problem
- Analyse relevant evidence
- Defend a feasible recommendation
Main topics
- Problem definition
- Research ethics
- Evidence collection
- Analysis
- Recommendations
- Implementation evaluation
Practical task
Complete an individual business investigation and present the resulting improvement proposal.
Assessment
Assessment combines applied exercises, a documented case or practical portfolio and an individual written or oral explanation. Judgement considers technical accuracy, reasoning, evidence quality and the feasibility of recommendations.
African History and Pan Africanism 101
Compulsory core module · Level 1
Study African history through oral, written and archaeological evidence. Examine the diversity of African societies, knowledge and exchange, then trace the emergence of Pan African ideas about identity, solidarity and self-determination.
Learning outcomes
- Place selected African societies and events within a supported historical timeline.
- Compare historical sources and identify perspective, evidence and uncertainty.
- Explain the foundations of Pan Africanism and the contributions of Africans and the diaspora.
Main topics
- Historical inquiry, chronology, oral traditions and source evaluation
- African civilisations, states, trade, livelihoods and knowledge systems
- Southern African history, including Mapungubgwe and Great Zimbabwe
- Slavery, the African diaspora and changing ideas about identity
- Origins of Pan Africanism, solidarity, self-determination and cultural expression
Practical task
Create an annotated timeline or digital learning poster on a selected African society or historical development. Compare at least two credible sources and explain one connection with your field of study.
Assessment
Submit the timeline or poster, an annotated source list and a short explanation of the evidence. Assessment considers chronology, historical accuracy, source judgement and the clarity of your interpretation.
Learning resources
African History and Pan Africanism 201
Compulsory core module · Level 2
Examine colonial change, resistance and liberation across Africa, with attention to Zimbabwe and South Africa. Compare Pan African movements, organisations and debates, including contributions from women, workers and diaspora communities.
Learning outcomes
- Analyse the effects of colonial rule on land, labour, institutions and social relations.
- Compare liberation movements and Pan African arguments using contextual evidence.
- Explain how different groups shaped independence, solidarity and debates about freedom.
Main topics
- Colonial rule, land, labour, education and forms of resistance
- Nationalism, liberation and the end of colonial rule and apartheid
- Pan African congresses, organisations and contrasting interpretations
- Women, labour movements and diaspora participation
- The Organisation of African Unity and debates about unity, sovereignty and development
Practical task
Develop a comparative case study of a liberation issue or Pan African debate relevant to Southern Africa. Use a historical document alongside a scholarly account and explain differences in purpose and interpretation.
Assessment
Submit the case study, a source comparison and a reflection on your conclusions. Assessment considers context, evidence, recognition of different perspectives and the quality of your argument.
Learning resources
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National Diploma in Credit and Debt Management
Course modified date: 13 October 2026
Study responsible credit administration and recovery of overdue accounts. You will analyse applications, monitor receivables and evaluate recovery options using financial evidence and lawful, fair procedures.
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