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HENRY OLOO OKETCHLikoni Lane, off Dennis Pritt Road● Post Box 51705-00100● Nairobi, Kenya● Email : henry.oketch@yahoo.com

SUMMARY

To be a caring visionary in the development of small businesses and sustainable pro-poor financial services

Economist and Kenyan citizen. Twenty four years of progressive work experience in financial services industry and small-enterprise

development, and more than 15 years’ experience in leadership. Currently associated with INAFI Africa (the International Network of alternative Financial Institutions) and

Engitanapa (formerly Maarifa Consultants) Limited. Provided consulting services for microfinance institutions, commercial banks and non-bank financial

institutions, financial regulators, bilateral and multi-lateral international development agencies, and NGOs. Donor experience includes GTZ, DANIDA, DfID, The World Bank, ILO/RAFAD, AFDB, and UNDP.

Produced the first-ever road map and action plan for advancing the African microfinance sector for the African Union commission (AUC) in 2007.

Strong technical leadership and project management skills, ranging from short-term research assignments to complex multi-year and multi-donor funded projects.

Possess international experience and the ability to work with multi-cultural stakeholders and team members. Worked across 16 African countries.

Conducted more than five due diligences and carried out nearly 13 end-of-project evaluations. Formulated access to finance and small enterprise development policy and strategy. Designed and supported the development and successful restructuring of more than five major pro-poor

financial institutions. Conducted market research and produced strategic business plans for the setup of new microfinance

institutions and dedicated microfinance bank subsidiaries, including two transformations and one cross-border bank subsidiary.

Designed innovative pro-poor financial products, including model village banks, low-cost housing loan product, renewable energy, and youth-friendly products.

Extensive operations research and writing experience, including conducting more than a dozen major nation-wide market and industry studies/rapid assessments.

Good team player with strong abilities in leading motivated teams and coordinating with professionals at different levels of the sector/industry to achieve organizational objectives.

HIGHLIGHTS & AWARDS Leading six global and regional conferences on microfinance organized by Oxfam-Novib and the

International Network of alternative Financial Institutions (INAFI) Facilitating the development of curriculum and materials for a postgraduate diploma course on

microfinance jointly supported by Swisscontact East Africa and Makerere University, Uganda, in 2004 Awarded $120,000 innovation grant by USAID in August 1998 (under the MIP) project to develop relevant

delinquency course for microfinance institutions in Kenya, Uganda, and Tanzania

CORE SKILLS Policy and strategy formulation and analysis, including project design Project management Organizational assessment and due diligence Curriculum development and Training Market research and product development Business planning

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Econometrics and statistical analysis Proficient in computing, including SPSS+

Education & Degree / Diploma Institution Date

Masters of Arts in Economics University of Nairobi, Kenya September 1988- July 1990

Postgraduate Certificate in Appraisal, Monitoring, and Evaluation of Small-Enterprise Development projects

Durham University, Business School, Durham, United Kingdom

December 1993- 18 March 1994

Bachelors of Business Education (Accounting and Economics)

Kenyatta University, Nairobi, Kenya September 1983-July 1986

Professional training completed Postgraduate Certificate in Appraisal, Monitoring, and Evaluation of Small-Enterprise Development projects,

Durham University, Business School, Durham, United Kingdom, 20 February /18 March 1994. Certificate in Green Performance Agenda for Microfinance Institutions (MFIs) in Eastern and Southern Africa: a

Regional Capacity Building Initiative for Consultants and MFIs, Hivos and Enclude, Harare, Zimbabwe, February 2014/August 2014.

Certificate of completion, Management Concentration, The Boulder Microfinance Training, Boulder Institute of Microfinance, Turin, Italy, July 17/August 8, 2009.

Certificate of Expert Adjudicator for having made vauable personal contribution to the Deveopment of Entreprneurhsip and Small Business in Kenya at the 2012 Enablis ILO Safaricom Foundation Pan Competition, Nairobi, Kenya, February 2013

Certificate of Appreciation awarded for having contributed to the conduct of the INAFI Gobal Conference on Microfinance, Remittances, and Development held at Palais Des Congres, Benin, November 7-9, 2007.

Certificate in Financial Services for the Poor: How Donors Can Make a Difference, CGAP & UNCDF Microfinance Donor Training, November 10-14, 2003.

Certificate in Trainer of Trainers Course in Microfinance, University of Dar es Salaam, Entrepreneurship Center (UDEC), Tanzania Association of Microfinance Institutions (TAMFI), and Swisscontact, Dar es Salaam, Tanzania, August 22-25, 2005.

Certificate for successfully completing the USAID/REDSO/ESA Workshop on Partnering for Performance Monitoring, January 5-10, 1997.

Language Reading Speaking Writing

English 5 5 5

Kiswahili 5 5 5

CAREER DETAILS

Consultant in Inclusive Finance and Small Enterprise Development, Engitanapa Limited (formerly Maarifa Consultants) in Nairobi, Kenya (Present – January 2011)Engitanapa is a private limited liability company that provides advisory services in inclusive finance and small enterprise development.

Managing day to day operations of the consulting firm Developed technical and financial proposals for consultancy assignments Performed more than 48 consultancies

Chief Technical Advisor (Inclusive Finance Practice), United Nations Capital Development Fund (UNCDF) in Lilongwe, Malawi (November 2008 – December 2010)

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UNCDF creates new opportunities for poor people and small businesses in 23 of the 48 least developed countries by increasing access to microfinance and investment capital. The Financial Inclusion in Malawi Project (FIMA) is a USD 6.2M partnership program between UNCDF, UNDP, Cordaid, and the Government of Malawi (GoM).

Through a mix of grants for capacity development and innovation, grants/loans for on-lending, technical assistance (TA), training opportunities, and networking/advocacy support, FIMA was designed to increase financial access in rural areas by 40 per cent and contribute to the following results:

1. Appropriate technical working group established to promote an effective policy dialogue for the development of an inclusive financial sector.

2. Innovations in financial markets and investments in financial service providers promoted to expand sustainable access to financial services (savings, loans, payment services, money transfers or insurance) to low income groups, particularly women in rural markets.

3. Capacity of institutions operating in the financial sector strengthened to increase outreach and sustainability of the sector.

As the Chief Technical Advisor to the project: Capacity building for microfinance in Malawi supported at all levels of the market, i.e., Macro, Meso,

Micro, and client-level; a total of 17 performance-based agreements signed; the National Strategy for Financial Inclusion developed and officially launched. Up to 24 senior industry managers trained in microfinance at the highest-level of responsibility. Three workshops to develop strategic alliances between mobile phone operator (ZAIN Malawi) and

microfinance institutions (MFIs) facilitated; The national framework for the provision of financial literacy and consumer protection initiated and up to

three forums organized thereby progressing the Consumer Protection and Financial Literacy agenda. Jointly with the Microfinance Transparency International organization and the Malawi Microfinance

Network (MAMN), organized a successful conference on product pricing and the role of financial transparency in attracting investments and building the sector.

Facilitated the development of a Financial Services Charter, an initiative of 12 commercial banks and the Reserve Bank of Malawi (RBM)to develop a joint savings product designed to reach 1.4 million poor clients in 5 years.

UNCDF partnership with key donors in Malawi strengthened; Represented UNCDF and UNDP at the National Steering Committee on Financial Sector Development Strategy (FSDS) and also in the Technical Working Group for FSDS; UNCDF and UNCDF actively represented in the Private Sector Technical Working Group, which was also responsible for the financial services industry.

As a member of the National Steering Committee and Technical Committee, influenced the Government of Malawi’s decision to make financial inclusion the most significant goal of the officially launched 2010-2014 Malawi Financial Sector Development Strategy (FSDS), which was sponsored and funded by the World Bank.

On request of the World Bank, RMB, and the Ministry of Finance, played a key role in refining the indicators for the newly developed FSTAP and the Multi-Donor Microfinance Development Basket Fund under formulation.

Tools, mechanisms, processes and means in place to ensure a proper and integrated management of the Financial Inclusion in Malawi (FIMA) Project; for instance, revised and expanded the project’s initial IC Investment Manual; 12 monitoring visits made to all funded partner MFIs and draft report produced; three Steering Committee (ST) meetings and seven Investment Committee (IC) meetings organized and minutes produced in support of decision-making; eight quarterly FSP reports produced.

Consultant in Inclusive Finance and Small Enterprise Development, Maarifa Consultants in Nairobi, Kenya (November 2008 – July 2001)Maarifa Consultants was a private limited liability company that provides advisory services in inclusive finance and small enterprise development.

Managing day to day operations of the consulting firm Developed technical and financial proposals for consultancy assignments Performed more than 48 consultancies

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General Manager, Microfinance Innovations and Capacity-Building Division (August 1997- June 2001)K-REP, Nairobi, Kenya: The Kenya Rural Enterprise Program (K-REP) is a leading private small enterprise development company founded by USAID in April 1984. It evolved into prominent group of companies, including the first NGO microfinance institution in Africa to be transformed into a regulated commercial bank specializing in microfinance.

Performed the duties of Chief Executive Officer to the Microfinance Innovations and Capacity Development Division, and specifically fulfilled the following functions:

Provided overall strategic leadership in the planning, management and implementation of the activities of the Division

Prepared strategy, annual plans and budgets for the division Performed more than 120 contracts for the business Developed bids for international tenders for contracts in microfinance and SME Development in the Africa

region. Negotiated, coordinated, and supervised other consultants during the implementation of major contracts. Headed the growth of the division into a reputable and profitable advisory firm with clients throughout

the African region. Was a member of K-REP Holdings’ Executive Management Committee and hence contributed to defining

the overall strategic direction for the company.

Head of Research and Consultancy Department (April 1994 – July 1997)Performed the role of head of department and fulfilled the following specific functions:

Provided leadership and vision to the organization in operations and policy research. Provided technical leadership in the development of strategy Conducted market and operations research Provided technical leadership in the development of various financial product innovations, e.g., in clean

energy technology, low-cost housing, and appropriate financing to the youth. Designed and monitored the financial and operational performance of all branches and sub-grantees

(funded by USAID through K-REP) Produced quarterly donor reports, conducted follow-up in-depth research, and coordinated external

evaluations. Coordinated and organized quarterly industry seminars to disseminate results various stakeholders. Developed technical and financial proposals for fee-based assignments commissioned by third parties Performed and supervised contracts.

Research Officer and Local-counterpart consultant to the USAID-funded GEMINI ProjectPerformed the function and duties of consultant and local counterpart in the Kenya project office of Growth and Equity through Microenterprise Investments and Institutions (GEMINI) project

Designed and supervised three national censuses of micro- and small-scale enterprises in Kenya in 1991, 1993, and 1999.

Conducted four sub-sector studies and two bore analysis of the carpentry and shoe-making sub-sectors Analysed and published the results of an impact study commissioned by Ernst & Young on the

contribution of microfinance to jobs creation, improving incomes, and promoting savings mobilization and thrift among the poor in Kenya.

SPECIFIC COUNTRY EXPERIENCE BY CONTINENT Asia: Bangladesh Africa: Ethiopia, Ghana, Kenya, Malawi, Italy, Sierra Leone, Tanzania, Uganda, Zimbabwe, South Sudan, Senegal,

The Gambia, Nigeria, Swaziland, South Africa, Zambia, Burundi, Rwanda, Mozambique, Benin, and Cote d’Ivoire Europe: United Kingdom, Italy, Germany

CONSULTANCY ASSIGNMENTS

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Client AfriCap InvestmentDate 5 November 2005Location 17 December 2005Consultant: Due Diligence of the Union Trust Bank and Finance Salone Microfinance Limited Carried out a financial due diligence of the Union Trust Bank, Sierra Leone, for AfriCap Microfinance

Investment Ventures Ltd as part of its planned investment in the bank. This plan also involved the bank purchasing the country’s then leading microfinance NGO in Sierra Leone—Finance Salone—and, therefore, conducted the due diligence of the financial NGO as well as the bank.

Client MicroNed NPM (Netherlands Platform for Microfinance) networkDate 7 May 2008Location 14 June 2008Consultant: Zambia Microfinance county scan Reviewed the Zambian microfinance sector. Identifying major market players. Assessed market trends and capacity,. Analyzed opportunities for growth and development of the sector. Assessed government and donor efforts in microfinance development, and Reviewed adequacy and quality of resources for sector development and the different approaches to

promoting the sector by different development agencies.

Client INAFI Africa Trust LimitedDate 1 December 2007/ 31March 2008Location KenyaConsultant:Assessment of Member Organizations’ CBuilding Needs and development of a funding proposal to Oxfam-Novib A survey of members’ capacity building needs and industry challenges Strategy formulation and development for a 3-year capacity building plan of action And developing a € 500,000 funding proposal for the 54-member INAFI Africa network.

Client DfiD; Plan International Kenya through a partnership arrangementDate Five-year project; starting in May 1997Location KenyaHead of Microfinance Reaserch and Innovations Division: Market assessment and establishment of Village Financial Associations (FSAs) in 16 of Kenya’s poorest districts Developed the K-REP and Pan International partnership for the setup of FSAs in Kilifi and Taita Taveta

Districts. Prepared and headed the campaigns to introduce the FSA system of rural finance in 16 of arid and semi-

arid districts by engaging local eaders and the financia adminsitration. Conducted market demand for grassroots-based financial services in 16 poorest districts. Organizing community awareness and mobilization campaigns leading to the stablishment of the village

banks, eection and training of bank leadership, and launch of demand-driven financial services. Provided teachnical leadersip in promoting and the seting of more than 54 FSAs based on a concept

developed by IFAD in Guniea and Mali circa 1995; today more than 200 viable FSAs exists in Kenya, Tanzania, Uganda, and Sierra Leone arising from the Kenya pilot project.

Provided technical leadership in the development of various financial product innovations, e.g., in clean energy technology, low-cost housing, and appropriate financing to the youth.

Client DANIDA BSPS II

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Date 26 March 2004/ 4 November 2004Location TanzaniaTransformation Consultant: Backstopping the incorporation of CRDB Microfinance Company Developed the concept note for the board and senior management to approve the spin-off and

incorporation of the microfinance unit into an independnet subsidiary company. Reviewed draft laws on the regulation and supervision of the microfinance sector in Tanzania and

prepared a memorandum for the bank advising the Bank of Tanzania on perceived gaps and its intention to obtain a license and incorporation of a dedicated microfinance subsidiary.

Prepared the Articles and Memorandum of Association for the new subsidiary. Developed the governance and organizational structure of the new business and prepared all job

descriptions and functions. Customized products and services for affiliated financial NGOs and rural/community banks. Specified the Management Information System (MIS) fit for the new business. Developed the first five-year business plan for the new business. Reviewed existing training and technical assistance materials and processes and produced

new/improved curriculum and T.A delivery approach. Developed a model operating system for front office/banking services for affiliated MFIs. Developed staff training materials and trained all staff on operating policies and procedures.

Client The International Network of Alternative Financial Institutions (INAFI) African Regional Secretariat

Date 1 March 2012 / 31 December 2012Location KenyaPosition held: Provide leadership to the Network and implement various activities to revive the INAFI Africa Regional Network Coordinate the 2010 and 2011 audit of the network’s accounts and financial reports and organize board

of directors meeting to consider and approve the accounts for presentation to the AGM. Liaise with the immediate former CEO and board to document any and all activities implemeneted by

the network under 2008-2010 program and present the report to Member Organizations (MOs). Liaise with the immediate former Program Officer to get the Network’s website activated and updated. Liaise with the Board Deputy Chairperson to ensure that the immediate former Program Officer properly

hands over the assets and documents of the network before he is formally released from responsibility. Update Member Organizations (MOs) datbase by documentating their current level of financial and

operational performance as at 31 December 2011, 2010, and 2009. Identify and prioritize MOs current institutional development and capacity-building needs based on

their present short-term and long-term strategic goals, opportunities, and challenges/constraints. Develop the new 2012-2015 program for INAFI Africa, including at least one regional conference to be

held in the year. Identify new strategic partners in addition to Oxfam-Novib and mobilize resources for the network. Implement exchange visits and at least two trainings for the staff of MOs. Re-activate all activities of the network and faciliatte board meetings to discuss the financial status of

the network, i.e., annual audit and management reports and AGM.

Client Mundri Relief and Development Association (MRDA)Date 18 June 2008/ 25 July 2008Location South Sudan

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International Consultant: Development of Microfinance Programme Study savings groups activities and income generating activities in Mundri county and advise on how to

scale-up the operations of MRDA’s Women and Youth Empowerment (WOYE) programme activities Investigate how the WOYE Savings Group microfinance system could be transformed into a self-

sustaining community-wide system of finance within the Mundri county. Develop a five-year business pan for MRDA’s microfinance Programme. Develop training manual and train existing project staff who will become the mobilizers and trainers of

microfinance clients.

Client Swedish Cooperative CentreDate 8 July 2003 / 29 August 2003Location KenyaLead Consultant: Community Finance and Empowerment (COFEP) ProjectCOFEP (Community Finance and Empowerment) was a five-year project implemented by the Cooperative Bank of Kenya and designed to support community-based financial intermediaries in expanding and deepening outreach through market research, product development, and broad based improvements to their management systems and service delivery methodologies. Conduct Baseline Surveys and Socio-economic Studies of Community-Based Financial Intermediaries in

Kenya Assist in preparing an Initiation report to set visions regarding the modernization and development of

model operating system for community-based financial cooperatives and institutions in Kenya Develop terms of references and review the quality of manuals developed by subject specialist

consultants; and, Design and facilitate two workshops (a) to present the results of the baseline surveys, formulate visions

for modernized operating systems for community-based financial intermediaries, and (b) present draft operating systems. Identified and assessed the programmes’ affiliate partner microfinance intermediaries and framework for disbursement of the Fund.

Client DANIDADate June 2000/ 31 March 2001Location TanzaniaLead Consultant and rural finance specialist: Viable Wholesale (linkage banking) microfinancing mechanism established as a core business activity of CRDB Bank Ltd Conduct study to establish the financial needs for NGOs, Savings Groups, and community banks and

develop mechanism for intermediation. Designed and implemented self-discovery process that contributed towards a survey and

documentation of good practices among the MFIs Analyzed their capacity to deliver a broad range of financial services Developed appropriate linkage banking financcial products services for community-based financial

intermediaries based on best practices Developed a curriculum and training materials designed towards enhancing leadership and managing of

local microfinance intermediaries Identified and developed a basic set of best-practice management operating systems or handbooks

required by ultimately affiliated intermediaries operate sustainably and profitably Developed a model contract and basic principles required to guide the relationships between the bank

and ultimately signed partner intermediaries

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Client Fineline Systems & Management LimitedDate 1 December 2000/31 March 2001Location KenyaConsultant: Conduct a feasibility assessment of managed Accumulating Savings and Credit Associations (ASCAS) and other community –based financial intermediaries Design and carry out a feasibility study into the possibility of using corporate membership in Savings and

Credit Societies (SACCOs) as the platform for providing technical assistance and training for building and strengthening their capacity as viable, market-driven financial institutions.Investigate and analyse the organizational, leadership, and operational characteristics of the informal community-based financial intermediaries to identify their strengths and weaknesses.

Assess the cost and incomes of the informal financial intermediaries and establish if any of the existing groups were operating efficiently and financially sustainably.

Establish the volume of business and membership dynamics of the informal intermediaries. Suggest if and how Fineline Management & Systsem Limited could commercially get involved with such

informal financial intermediaries.

Client The International Fund for Agricultural Development (IFAD)Date 29 July 2002/ 30 September 2002Location KenyaResearch consultant: Carry out a study to review and assess the rural and microfinance operations of Kenyan financial institutions. The studies aimed to identify the most appropriate partners for IFAD in its future interventions in the rural finance sector in Kenya Establish the proportion of total credit to the rural/agricultural sector; Identify the types of rural/agricultural projects finance, e.g. size of the investments, terms and

conditions of the rural/agricultural projects financed; Investigate the portfolio quality of bank’s lending to the rural/agricultural sector; Identify the business goals and objectives in general and extent to which these related to rural

agricultural finance; Profiles of products/financial services in general, and specifically if any are specially targeted to

rural/agricultural finance; and, Organizational structure of bank, number of branches/agencies, etc.

Client National Microfinance Bank (NMB) LimitedDate 12 July 2001/ 27 September 2001Location TanzaniaTeam Leader: Develop a linkage banking financial product for community-based financial intermediaries, e.g., NGOs, community banks, and self-help savings groups, etc Design and carry out a survey to explore market opportunities and analyse the risks involved in using

rural grassroots financial intermediaries to extend banking services to remote and isolated areas of Tanzania using wholesale financing facility.

Based on the survey, develop appropriate product prototypes, service delivery mechanism, and tools in support of the banks interest in wholesale finance.

Suggest how the linkage product should be delivered and marketed by the bank, and propose ways to build staff capacity and necessary management systems to be developed.

Client Dhan Tanzania Foundation (DTF) Company LimitedDate June 2008/ July 2008Location Tanzania

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International consutant: Carry out a survey to identify the best three locations to start the HG bank linkage project in Tanzania Design the survey and related instruments and train enumerators Conduct a situational analysis of self-help financial groups in three regions of Tanzania (Kilimanjaro,

Mbeya, and Morogoro), assess the familiarity and participation of the ocal population in SHG financial groups, and assess the possibility of introducing the SHG model in the area

Study the nature of economic activities undertaken and sources of livelihoods of the rural communities, poverty status of the population living in the target areas, and their cultural diversity.

Identify and map all projects and poverty reduction interventions, including microfinance institutions in the area.

Investigate the feasibility of using the Indian SHG bank linkage system to provide tailored financial services to the financially excluded rural population.

Explore the partnership potentail with civic and public institutions at the locations, as well as potential threats and challenges.

Propose the road map to implementation of the SHG model in the surveyed areas.

Client African Rural and Agricultural Credit Association (AFRACA)Date 1 July 2001/ 31 August 2001Location KenyaSurvey Consultant: Analysis of commercial banks involved in microfinnce in Kenya Design and carry out research to identify the commercial banks in Kenya involved micro and rural

finance with the purpose to document their motivation, approach, and relative success. Investigate and analyze the factors that discourage many banks from providing microfinance. Explore how organisations like AFRACA could encourage more of such banks to consider venturing into

microfinance.

Client USAID Kenya MicroPED Programme(Implemented by Development Alternatives, Inc., (DAI))

Date 1 August 1998/ 30 September 1999Location KenyaTeam Leader: Deliver Training and Capacity Building on Task-Order Basis Carrying out individual institutional needs assessments and due diligence on applicants for grants under

the USAID /Kenya MicroPED project. Designing a training needs assessment of the Kenyan MFI industry. Designing and delivering a series of discussion forums (some monthly, others quarterly) for the MFI

industry in Kenya as well as courses. Preparing training reports and recommendations for follow-up to MicroPED).

Client Novib (Oxfam NetherlandsDate 17 February 2003/ 29 May 2003

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Location SenegalLead Consultant: Deveopment of corporate strategy and business plan for FDEA (Femme developpement Enterprise en Afrique); FDEA is a linkage banking microfinance NGO that works with women self-help savings groups in senegal. Review carefully seected reports and documents to familiarize with FDEA operations and gain insight

into persistent challenges, mistakes, and strengths from the past. Plan and carry out a detailed analysis of FDEA’s past performance based on existing records, knowledge,

and epxeriences. Prepare background paper for the strategic planning workshops with management and staff and with

board. Debriefing the management and staff on initial thoughts, conduct field-levelfamiliarizations with FDEA

people and operations, and prepare for the first strategic workshop (with field-kevel and other junior staff).

Compile proceedings of the first strategic planning workshop to synethesize views/recommendations on vision, market niches, products/services, spinning-off of the business/enterprise deveopment servcies, group organization structure, new business pan, and strategies to build and strengthen the institution(s).

Prepare for the second strategic planning workshop with middle-level and senior management staff. Compile proceedings of the second strategic planning workshop to gain insight as in the first case with

field-level and junior staff. Prepare the third strategic planning workshop with FDEA board, Executive director, Internal Auditor,

deputy Executive Director/Operations Manager, Finance Director, and Director business/enterprise training services to approve the draft strategic business plan.

Compile proceedings of the third strategic planning workshop to gain final insight into the 2003- 2007 strategic business plan.

Develop and present the draft business plan, financial projects, and institutional development plan for review and approval.

Client UniBRAIN’s Sorghum Value Chain Consortium Limited(Designed by FARA (Forum for Agricultural Research in Africa) and funded by DANIDA)

Date 5 September 2013/ 25 February 2012Location KenyaAg. Chief Executive Officer: Backstopping the incorporation and setup of the SVCDC Ltd Provided technical leadership and oversight in initial company establishment Developed Memorandum of Understanding (MoU) and Agreements between individual partners and

the Incubator, on the one hand, and similarly MoU and Agreements among the partners Facilitated the signing of the strategic partnerships and appointment of the board of directors and

technical committee Overseeing the entire SVCDC Ltd.’s implementation process Assisted SVCDC Ltd to comply with all FARA fund disbursement pre-conditions, including the preparation

of a detailed three-year action plan, budget, and projected financial statements. Reviewed and adapted the Human Resources Manual, Financial manual, and the Incubator Operations

Manual for SVCDC Ltd. Organized and coordinated the inaugural and subsequent meetings (4) of board of directors and of the

Technical Advisory Committee (1) Reviewed all relevant literature pertaining to the incubator and operation of incubators and

incorporated insight from the exercise in developing the MoU and Agreements, revising the business plan, and editing, adapting, and enhancing various manuals initially developed by ICRISAT

Reviewed the business plan and made all changes required

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Client Bank of Tanzania (BoT)(with The World Bank funding)

Date 8 April 1997/ 30 September 1997Location TanzaniaTeam Leader, Institutional and Policy Assessments: Conduct a national survey of institutions and projects involved in the supply of rural finance/microfinance, e.g., commercial banks, savings groups, cooperative banks, community banks, NGOs, financial cooperatives, etc. Design and carry out a statistically representative national survey of institutions and projects involved in

the provision of rural /micro finance throughout Tanzania Analyse the financial intermediation capacity and financial performance of 14 branches of the [then]

two leading commercial banks in Tanzania (National Bank of Commerce and CRDB Bank Ltd.), 10 rural and urban SACCOs, the Kilimanjaro Co-operative Bank, and five financial NGOs.

Based on the results, develop five model cases of best practice for the different institutions and projects involved in rural/micro finance

Propose a national strategy and regulatory, supervisory, and legal framework for developing capacity for financial institutions in Tanzania.

Present the findings and proposals at a national forum for investors and policy makers and participate in the policy dialogue.

Client Government of Kenya, British ODA (DfID)Date 1 March 1994/30 June 1994Location KenyaTeam Leader/Reseacher: Design and carry out a national survey/inventory of the literature, projects and institutions involved in micro, small and medium size enterprise in Kenya Developed the project concept note and funding proposal in response to request for proposal from the

ODA (now DfID) Developed the survey methodology, implementation plan, and budget Coordinated and supervised the hiring of project personnel Supported the Deputy Director responsible for the Research and Consultancy Department in

Communicating with major stakeholders about the project and implementation plan to receive their feedback and support

Trained librarians, enumerators, and other staff involved in identifying and collection of relevant information for the exercising

Conceptualized and designed three different databases for the project Coordinated the recruitment and engaged of the systems designed and developed Coordinated and supervised the review of materials and documentation Monitored and supervised project implementation Supervised the overall project implementation and delivery Based on the results of the survey, developed a database and an annotated bibliography (published) of

such institutions and projects. One of the recommendations, which was later funded by the ODA and institutionalized into a dedicated

resource center for microfinance and small-enterprise development, was the setup of the Arifu Resource Center (hosted at the K-Rep Bank head office).

Client Kenya Business Development Services (BDS) ProgramDate 14 July 2003/ 14 August 2003Location KenyaLead Consultant: Conduct Baseline Survey Tree fruit Subsector; the survey must acquire data which can be used to attain baseline figures for the following: (1) total number of Micro and Smal-Scale Enterprises

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currently accessing commercial business services; (2) total number of business service providers currently operating in kenya in BDS program target areas; and (3) total number of Micro- and small-Scale Enterprises producers linked with the commercial market. Design survey methodology and data acquisition points. Gather and assess secondary research. Conduct primary research in the field. Analyze and synthesize data, and deveop baseline survey. Present the final report to USAID Kenya.

Client Hivos Regional Office for Southern AfricaDate 24 March 2014/ 31 July 2014Location KenyaConsultant: Implementation of the Green Performance Agenda Toolkit for NEEMA HEEP and RAFODE microfinance institutions Make a presentation on green microfinance agenda and the GPA toolkit to the two microfinance

institutions. Assisting NEEMA HEEP and RAFODE Management and Staff to install and explore features of the GPA

Toolkit. Carry out field visits to NEEMA HEEP and RAFODE clients. Assisting the staff and management of the two MFIs in interprating the results from the field visits. Assisting the staff and management of the two MFIs to dvelop an action plan on follow-up activities.

Client USAID Kenya FIRM ProjectDate 14 August/ 29 September 2014Location KenyaConsultant: Develop Marketing ECLOF Kenya Marketing strategy Familiarize with ECLOF Kenya Microfinance Company Limited and its operations. Carry out a desk review of relevant documents to undertand the aspirations and strategic interests of

ECLOF Kenya. Conduct an organizational assessment of ECLOF Kenya, i.e., current products and services and market

positioning, institutional capacity, customer satisfaction, competition, market dynamics, and staff motivation.

Prepare a workshop to share initial results of the institutional and market assessment with senior management and staff.

Develop a draft three-year marketing strategy and plan. Prepare the board and management workshop to review and approve draft strategy and plan.

Client USAID Kenya FIRM ProjectDate 14 April 2014/ 14 May 2014Location KenyaMicrofinance Specialist: Develop strategic business plan for Adok Timo Microfinance Limited Familiarize with the history and background to the microfinance institution and its present requirements

for strategic direction. Conduct a desk review of the Kenyan microfinance market and obtain information necessary to support

the strategic planning process. Plan and conduct management workshop/retreat. Document workshop proceedings and strategic issues from the workshop to provide insight into a draft

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strategic pan. Plan and conduct a joint board and management strategic planning retreat and present draft plan for

review and further inputs. Prepare the final draft strategic plan and institutional development plan.

Client Medical Credit Fund (MCF) AfricaDate 23 July 2013/31 August 2013Location KenyaConsultant: Providing an overview of banking opportunities in designated countries in the African region, starting and for now limited to tanzania, to establish a potential business case for MCF partner bank(s) Through desk review of the relevant literature, to establish the size of the private healthcare market in

Tanzania. Computing the eligible demand for capital by the private healthcare sector, notably for two regions

targeted for a pilot initiative. Compose an overview of the desk study and present a report (maximum eight pages) to MCF, which it

will share with the National Microfinance Bank (NMB), this being the first identified partner bank. Depending on the response by NMB, the consultant may be requested by MCF to perform detailed

folow-up research and/or elaborate his findings vis-à-vis NMB.

Client Hivos Regional Office for Southern AfricaDate 1 October 2013/ 25 November 2013Location KenyaConsultant: Technically support Jiinue Credit Limited in carrying out a market study, institutional capacity assessment, and development of a five-year business pan (2014-2018) and organizational development plan Market study to assess the demand for financial services of the target group (marginalized rural farmers

and peri-urban communities. This analysis provided a clear description of the target group including a range of characteristics (level of income, income generating activity, gender, geographic region, etc.). The study paid specific attention to the affordability of products for potential clients.

Formulation of financial projections for the plan period 2014 – 2018 using the Microfin financial modelling tool. During the process, the consultant trained two of the senior staff in the finance department on how to apply the Microfin tool.

Training the staff and facilitating management in the formulation of a realistic business plan that clearly reflects the needs of both the target group and the organization.

Institutional capacity assessment, which included the mapping of past and current performance both quantitatively and qualitatively; identifying the drivers and constraints which influence the performance of Jiinue; identifying the short term and medium term resource situation of Jiinue and possible input-objective mismatches as well as constraints; assessing the quality of governance of Jiinue as well as how its level of accountability to its stakeholders; and assessing the internal elements of the organization, e.g., the governance, management and operational aspects of Jiinue.

Formulation of an organizational development plan for with clear timelines and deliverables required to enable the organization achieve an objectives of the new business plan.

Client USAID Kenya Business Development Services (BDS) ProgrammeDate 1 December 2003/ 16 January 2004Location KenyaSurvey Consultant: Conduct baseline Survey of the Lake Victoria Fresh Water Fishing Subsector Designed survey methodology and sampling, including a desk review of specific primary and secondary

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research options available, and an implementation schedule for data collection. Basic data collected which were used to attain baseline figures were total number of micro and small-scale enterprises (MSEs) in the Lake Victoria Fish subsector; total number of MSEs currently accessing commercial business services; total number of business service providers currently operating in Kenya BDS program target areas; and total number of MSE producers linked with the commercial market.

Gathered and assessed secondary research from all sources of relevant data, e.g. Department of Fisheries Reports; Kenya BDS Fish Subsector reports; the Economic Survey 2003; the 1999 MSE Baseline Survey; and BDS market assessments

Conducted primary research in the field along the Kenyan Coast of Lake Victoria using face-to-face interviews with standardized questionnaires and Focus Group Discussions (FGDs).

Analyzed and synthesized the data and developed the baseline survey report Made an oral presentation of the results to USAID on the baseline survey activities conducted and the

basic indicators needed to monitor BDS to the subsector.

Client Hivos Regional Office for Eastern and Southern AfricaDate 1 July 2013/ 30 August 2013Location KenyaConsultant Microfinance Networks: Development of the 2013-2017 Strategic Plan for the Association of Microfinance Institutions in Kenya (AMFI-Kenya) Familiarized with the history, vision and mission, and recent work of AMFI, including conducting

interviews with relevant staff, board members, and other stakeholders Reviewed the microfinance network’s current strategic plan, the external evaluation report, and other

relevant institutional documents Identified key institutional development gaps and elaborated new strategies in response to the gaps so

identified Facilitated a two-day residential board strategic planning retreat and a one-day non-residential

stakeholders’ consultative meeting to discuss the draft strategic plan Reviewed the organizational processes and decision-making structure and proposed necessary changes

to improve effectiveness Developed an implementation, monitoring, and evaluation pan for the new strategic plan Elaborated an organizational development plan and a resource mobilization plan for implementing the

work plan

Client The National Microfinance Bank (NMB) Limited, TanzaniaDate 12 November 2004/ 29 November 2004Location TanzaniaConsultant: Analysis and write up of NMB’s April 2004 Survey of SME Client dropouts and delinquency Review the survey data and any necessary literature to ensure there is adequate information to support

a conclusive analysis of why some borrowers do not continue to access the SME loan product, as well as the reasons behind delinquency.

Analyze and compile two reports based on the survey data: one report focusing on client dropouts and the other one on delinquency.

Provide insight into the reaons behind drop out and also investigate the changes and dynamics of the Tanzanian microfinance sector since launch of the SME product.

Expore any gender differences in factors behind drop outs and various aspects of product demand. Provide specific suggestions on how NMB could improve client loyalty and demand for the loan product. Explore gender differences and patterns in the demand for the SME loan product, risk, and perception of

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product requirements vis-à-vis customer abiity and preferences. Provide insight into factors behind arrears, protfolio-at-risk, and propose concrete suggestions towards

improving the portfolio quality.

Client Southern Africa TrustDate 1 July 2008/30 August 2008Location Southern Africa Development CommunityConsultant: Write up of a Comprehensive Policy Brief (minimum 25 pages) on Microfinance and Poverty Reduction in SADC region Identify policy issues and knowledge gaps on microfinance in the SADC region. Articulate policy recommendations that can improve the role of microfinance in the region. Identify best practices in the region and elsewhere in the world that can be proposed as model to the

SADC countries.

Client CRDB Bank PlcDate 8 January 2011/ 28 September 2011Location TanzaniaConsultant: Feasibility of setting the bank’s first-ever cross-border subsidiary in the Republic of Burundi Carry out a desk review of opportunities for CRDB Bank to enter and establish linkage microfinance

business in Burundi and the neighboring parts of the Democratic Repubic of Congo, and to prepare a concept note for the approval of the UNCD; the regional expansion of the bank was to be capitalized by the UN agency.

Designed and carried out the feasibility study of the Burundi financial market. Developed the first five-year strategic business plan for CRDB Bank Burundi Ltd. Developed the concept note for integrating wholesale and retail microfinance business model based on

a combination of agency banking and emerging banking, communication, and electronic banking platforms.

Client The Association of Microfinance Institutions (AMFI) in KenyaDate January 27-28, 2004Location KenyaLead Facilitator: The National Policy Workshop held at the Kenya School of Monetary Studies (KSMS) on 27th and 28th January, 2004 Overseeing the administrative arrangements for the workshop in liaison with the Secretariat Introduced the Workshop objectives Ensured Smooth transition between sessions Moderated discussions to ensure they were within the context of the workshop theme. Liaised with rapporteurs and ensured that all key points were adequately captured. Writing the final summary of key issues discussed during the workshop. Ensured that the final report captured the proceedings of the workshop Ensured that participants were provided with adequate workshop materials Ensured functionality of all the necessary training equipment

Client CRDB Bank PlcDate 18 March 2010/ 24 March 2010Location TanzaniaConsultant: Review and Documentation of the Bank’s management innovations that has led to its many

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corporate successes since Juy 1996 and prepare its entry into the CAPAM 2010 International Innovations Awards Competition Review records and reports on the bank, e.g., successive business plans, annual reports,

correspondence, and other memorabilia of the bank. Design and conduct interviews with long-serving staff at all levels of the organization, shareholders, and

customers of the bank to inquire about events, circumstances, and forces that have shaped the evolution and changes at the bank since july 1996.

Identify and gather evidence of key acheivements and milestones of the bank over the years to the present.

Write the entry document for the bank’s participation in the innovations competition organized by the Commonwealth Business Association in2012.

Client African Union commission (AUC)Date 9 April 2007/ 5 August 2008Location Ethiopia, Tanzania, AfricaInternational Consultant: Elaboration of a Road Map for the Development of Microfinance in AfricaThe primary objective of the exercise was to propose a minimum set of policies and strategies, including the legal, regulatory, and operationa framework for the development of microfinance infrsutcture and services in Africa. The work recognized the critical role that microfiannce plays in engaging the poor in productive income-generating and sustainable ventures that contribute to economic growth in the region. Carried out a situation analysis of microfinance policies, strategies, and the legal, regulatory and

supervisory frameworks in each member state and at the level of regional economic communities; Reviewed the policies and strategies and the legal framework with a view to harmonize them across the

continent; Assessed the role played by local authorities in facilitating the operations of microfinance service

providers and the clients’ needs of other resources other than finance; Assessed member states capacity to adhere to best practices in microfinance service provision,

facilitation, and promotion benchmarked against high performing regions or countries in Africa and elsewhere;

Elaborated the minimum policies and strategies as well as the legal framework that member states, individually and collectively, would need to adopt to make microfinance a valuable and credible contributor to poverty reduction in Africa;

Elaborated on what best practices should be adhered to and what benchmarks could be applied to assess progress in building the right environment for the development of microfinance in Africa; and, the draft final report to a workshop of member states for validation.

Client Swisscontact East Africa ProgrammeDate 18 May 2004/ 26 May 2004Location TanzaniaConsultant: Review of Results of Research on Microfinance Products for Akiba Commercial Bank (ACB) Ltd Providing written feedback on the two research reports submitted by CB and the ensuring discussion on

the products. Discuss the way forward for ACK market research with Swisscontact’s Regional Microfinance

Coordinator.

Client UNIFEM East and Horn of Africa Regional OfficeDate 12 November 2008/ 17 January 2009Location KenyaInternational Consutant: Rapid Assessment of the Women Enterprise and Development Fund, Government of Kenya, Ministry of Gender and Social Development

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Identified and assessed the programmes’ affiliate partner microfinance intermediaries and framework for disbursement of the Fund.

Reviewed the Fund’s disbursement processes for each of the two components (MFIs and CWEF) Identify the challenges facing each disbursement mechanism Assessed the coverage of the MFIs in various parts of the country Reviewed the minimum conditions for accessing the fund through the Divisional Committees and made

appropriate recommendations for enhancing and strengthening the Fund. Reviewed the minimum conditions for accessing the Fund through the Microfinance Institutions

component and made appropriate recommendations.

Client Copenhagen Development Consulting A/S (Copenhagen DC)Date 26 April 2006/31 July 2006Location Kenya

International Consultant: Reformulation of DANIDA Kenya’s Access to Finance sub-component of its five-year, US$7.8 million, Business Sector Support Program. Reviewed gaps and opportunities for increasing access to finance for SMEs with growth and export

potential. Assessed and selected suitable implementing partner institution. Developed MoUs for techncial service providers. Developed monitoring mechanisms, reporting system, and templates. Drafted job descriptions for required project personnel.

Client Novib (Oxfam Netherlands0Date 2 February 2004/ 5 March 2004Location KenyaLead Consultant, Due diligence: Monitoring of WEDCO Ltd, a MFI based in Kisumu, western Kenya and being a recipient of a loan of Euro 450,00 An assessment of the loan portfolio quality Evaluated financial performance in the entire period ending on 31 December 2003 Evaluated the newly developed MIS to determine if it was working well Evaluated the organizational and management aspects of the MFI, e.g. quality of management; quality

of staff; organizational culture at all levels (Credit officer, Branch Management, head office, and general management)

Head office support to branch management and credit officers Communication and information flows from management to field staff and vice-versa Evaluated board functioning, internal audit Assessed the level of customer satisfaction

Client Rural Livelihood Development Company (RLDC)Date 10 July 2006/ 22 September 2006Location TanzaniaTeam Leader and Rural Finance Specialist: Combined Baseline Survey for the Formulation of Strategies for the Promotion of Financial Services, Micro- and Small-Scale Enterprise, and Media Identified and analyzed the needs and demands for financial services among the rural poor households

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in the four regions of Morogoro, Dodoma, Singida, and Sinyanga, also known in Tanzania as the Central Corridor.

Investigated and analyzed the current provision of financial services in the Central Corridor in qualitative and quantitative terms, besides indicating also the existing and planned initiatives of Government or donors.

Identified qualitative and quantitative supply gaps by relating the established needs and demands with existing provision of financial services.

From both the perspective of financial services providers and customers/potential customers, identified constraints and opportunities in the provision of financial services in the Central Corridor, particularly from the situations’ influence on livelihoods development.

Assessed potential of linkages between financial member organizations and formal financial sector. Based on all insights from the above five tasks, proposed detailed strategies for the promotion of

financial services by RLDC.

Client DANIDA BSPS IIDate 24 March 2005/ Location TanzaniaConsultant: Review the draft SME toolkit prepared by CRDB Bank and Develop appropriate Curriculum and Training Materials (Task Order No. 2 and No. 3) as per the framework Agreement with the bank Reference CRDB/SME/05/02 Arrange toolkit materials in logical sequence to effectively guide and be easily understandable by SME

entrepreneurs. Re-write and expand sections of the draft as appropriate to incorporate critical materials that will make

the toolkt comprehensive to the entrepreneurs business management needs. Simplify the language and edit the draft document for grammer, punction, clarity, and relevance,

including illustrations, examples, and exercises. Develop lesson plans and training materials for the quality-checked SME toolkit and create sample

business documents or templates for training. Propose a course module that would be flexible and appropriate for SME entrepreneurs to complete

successfully online and in classroom situation.

Client SwisscontactDate 15 September 2003/ 19 May 2004Location Kenya, Uganda, and TanzaniaAg. Regional Microfinance Coordinator: Swisscontact Eastern Africa Regional Microfinance Programme Primarily managed the activities of the regional microfinance office on a day-to-day basis, which

basically consisted of a regional portfolio of grants, training, and technical assistance to partner institutions financed by the donor agency; these were five self-help savings groups, commercial banks, community banks, Savings and Credit Cooperative Societies (SACCOS), and NGOs involved in the provision of commercially-oriented microfinance operations.

Developed Swisscontact’s new microfinance support strategy and practice in Eastern Africa in the period beyond December 2003.

Organizing a workshop that exposed commercial banks in the East Africa region about trends and opportunities in the industry to familiarize those interested in microfinance

Supervised and supported Mufindi Community Bank (MUCOBA) in formulate strategy to immediately address their loan delinquency problem.

Advised MUCOBA on introducing their Group-based lending methodology. Supported MUCOBA formulate process-based strategic and business plan for 2003-2005 that addressed

all the strategic issues that had earlier been identified. Supporting the Akiba Commercial Bank in establishing a Quality Management System through process

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mapping and documentation of their individual micro loan product, Group Savings and Credit product, and Human Resource processes.

Facilitated two selected microfinance and other training programmes and opportunities for ACB aimed at building the capacity of the bank’s staff to carry out Market Research for Product Refinement and Development and actually took advantage of the process in helping them develop a unified and integrated microfinance strategy for ACB

Supervised consultants engaged and financed by Swisscontact that helped Equity Bank develop its product strategy and refine its products for microenterprise finance.

Supported and supervised consultant working with Equity Bank in conducting a human resource audit and thereafter while develop a Human Resource Development strategy and plan for the bank, including a staff incentive scheme.

Client UNOPS (United Nations Office for Project ServicesDate 1 June 2008/ 14 June 2008Location UgandaInternational Consutant and Specialist in Institution Development and Microfinance: Loan Supervision Mission to Project UGA/o4/F01: Vegetable Oil Development Project (VODP)—IFAD Loan No.442-UG. Assessed the likely long-term economic impact of the Vegetable Oil Development Fund (VODF) based on

its current outputs and acceptance amongst farmers in the 23 districts covered by the project Explored ideas for a long-term and more comprehensive financing system for the oil palm and other

smallholder farmer’s savings and capital needs beyond the VODP. Based on the outcome and findings of the mission, contributed to the mission’s Aide-memoire in the

areas covered and prepared a technical annex to the final supervision report.

Client Faulu Kenya LimitedDate 1 October 2002/ 14 November 2002Location KenyaConsultant Microfinance Operations Training: Dissemination of faulu kenya’s New Edition Loan Policy and Procedures Manual to 115 Faulu Kenya staff Preparation of appropriate training materials to be used during the workshop. Using suitabale pedagogical techniques, facilitate up to six tailor made courses in cohorts of 25

participnats per couse Assist participants in mapping out a way forward on how how to adapt the acquired tools in day to day

operations and folow up on the same. Monitoring learning and prepare a workshop report for Faulu Kenya within one week of compeetion of

the training.

Client Stichting INAFI International (INAFI International Foundation)Date 1 September 2008/ 20 September 2008Location SenegalConsultant: Prepare a report on Remittances and Microfinance based on regional mappings in Africa, Asia, and Latin America (maximum of 20 pages) with information and analysis on the folowing topics: history of INAFI; past activities on remittances, strategy of INAFI to harness the development potentail of migrants’ remittances for development, and possible activities in the future. Desk review of the existing various materials on microfinance and remittances in the three regions, e.g.,

the regional mapping presented at the Ougadougou Expert Group meeting, Manuel Orozco’s mapping in the three regions, and all relevant documents on the subject on the three regions, and the INAFI project document on Remittances and Microfinance.

Review and anaysis of primary data collected on the subject by Orozco in an earier mapping of the regions

Design and conduct an online interview with member organizations that were already involved in

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remittances or were in the process of entering into remittances business by end of 2007 to update progress.

Writing the draft and incorporating member organizations’ comments on the draft report on Remittances and Microfinance in Africa, Asia, and Latin America

Client UNDP; UNCDFDate 1 February 2000/ 31March 2001Location GhanaTask Manager: MicroStart Kenya ProjectMicroStart Programme was a global multi-donor funded pilot project by UNDP and United Nations Capital development Fund (UNCDF). The project was launched in February 1997 to provide micro-capital grants to fledging microfinance institutions in 26 countries. The overall objective of MicroStart was to help improve the access of the working poor to appropriate financial services offered by local organizations, in order to enhance their economic activities, increase their revenues and create employment.

Through a nationally organized tender process, identified and selected up to 11 suitable MFIs for micro-grants, training, and technical assistance, to the Advisory Board set up by UNDP and Ministry of Finance.

Prepared business plans and grants’ documentation for each of the seven first set of grantee as approved by the Advisory Board.

Provided technical leadership and supervised the day to day implementation of the project, and preparing and managing the capacity building programme and milestones for the approved Microfinance Institutions (MFIs).

Selected, supervised, and coached two Local Technical Service Providers and their staff as they provided various technical assistance and training to grantees as sub-contracted by the International technical Service Provider.

Monitored the performance of the grants and periodically reported their progress and impact of the project to the local Advisory Board, UNDP Country office, and UNDP/SUM based in New York.

Monitored and supported the outsourced consultants and their in as they provided technical assistance and training to MFI partners.

Represented the Project at important regional meetings and conferences and produced progress reports on each MFI partner to UNDP.

Client UNDP; African Development Bank (AfDB)Date 1 February 1999/ 31 January 2000Location GhanaTask Manager: MicroStart Ghana ProjectMicroStart Programme was a global multi-donor funded pilot project by UNDP and United Nations Capital development Fund (UNCDF). Launched in February 1997, the project was to provide micro-capital grants to fledging microfinance institutions in 26 countries. The overall objective of MicroStart was to help improve the access of the working poor to appropriate financial services offered by local organizations, in order to enhance their economic activities, increase their revenues and create employment. Through a nationally organized tender process, identified and selected up to 11 suitable MFIs for micro-

grants, training, and technical assistance, to the Advisory Board set up by the UNDP, Africa Development Bank (AfDB), and Ministry of Finance

Prepared business plans and grants’ documentation for each of the seven first set of grantee as approved by the Advisory Board;

Provided technical leadership and supervised the day to day implementation of the project, and preparing and managing the capacity building programme and milestones for the approved Microfinance Institutions (MFIs)

Selected, supervised, and coached two Local Technical Service Providers and their staff as they provided various technical assistance and training to grantees as sub-contracted by the International technical

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Service Provider. Monitored the performance of the grants and periodically reported their progress and impact of the

project to the local Advisory Board, UNDP Country office, and UNDP/SUM based in New York; Monitored and supported the outsourced consultants and their in as they provided technical assistance

and training to MFI partners Represented the Project at important regional meetings and conferences and produced progress

reports on each MFI partner to UNDP and AfDB.

Client UNOPS (United Nations Office for Project Services)Date 17 July 2008/ 3 August 2008 Location TanzaniaInternational Consultant on Policy and Microfinance: Supervision Mission to Rural Financial Services Programme (RFSP) Reviewed actions taken or initiated on the recommendations of the previous UNOPS/IFAD supervision

conducted in July/August 2007 and the inter-phase review conducted in September/October 2007 under the Improvement of Managerial Capacity and Performance of Grass-root Microfinance Institutions and Rural Financial Systems Development components.

Reviewed progress made in the implementation of the above components in the context of the Work-plan and Budget for the completion of Phase II from January to 31 December 2008; and the plan for the third phase of programme implementation; review progress made towards the achievement of the triggers for Phase III under the two components

Reviewed the linkages created and collaboration between Grassroots MFIs and financial Institutions participating in the implementation of the Programme and identified capacity gaps.

Reviewed the performance of NGOs, especially those catering for women in the provision of micro-credit in the programme area and achievements recorded on the micro-leasing programme

Assessed the MFIs management capacities and recommended appropriate measures for additional capacity building-both financial and technical.

Assessed the level of participation of the rural poor in MFI operations, their use of MFI facilities, constraints to this participation and proposed solutions to the obstacles.

Reviewed the performance of the Bank of Tanzania’s (BOT) Microfinance Unit in the implementation of the policy aspect of the programme, especially the actual implementation of the MFI regulatory framework, and financial deepening in the rural areas.

Assessed the performance of Tanzania Association of Microfinance Institutions (TAMFI) and the Savings and Credit Union League (SCULT) in facilitating the existing MFIs.

Reviewed the level of community participation in planning, implementation and the impact of programme activities on their livelihoods;

Based on the outcome and findings of the mission, contributed to the mission’s Aide-memoire in the areas covered and prepared a technical annex to the final supervision report.

13. Employment Record:

Company Self-employedDate Current, from 1 January 2011Location Kenya; Africa Region; InternationalPosition Consultant in Inclusive Finance and Small Business Development

Company UNCDF (United Nations Capital Development Fund)Date 1 December 2008/ 31 December 2010Location Lilongwe, MalawiPosition Chief Technical Advisor (Inclusive Finance

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Company Self-employedDate 1 July 2001/ 30 November 2008Location Kenya, Africa, InternationalPosition Consultant in Microfinance and Small Business Development

Company K-REP GroupDate 1 September 1999/ 30 June 2001Location KenyaPosition General Manager, Microfinance Innovations and Capacity Building Division

Company K-REPDate 1 July 1994/ 31 August 1999Location KenyaPosition Research and Evaluation Manager

Company K-REP (Kenya Rural Enterprise Programme)Date 3 November 1992/30 June 1994Location KenyaPosition Senior Research and Evaluation Officer

Company K-REP (Kenya Rural Enterprise Programme)Date 28 November 1990/ 3 November 1992Location KenyaPosition Research Officer/Local Counterpart to USAID-funded GEMINI Research Project

Company Lugari Extension And Appropriate Technology ProgrammeDate 1 April 1997/ 31 August 1988Location KenyaPosition Project Manager/Agronomist

Company Sigalagala Technical Training InstituteDate 1 July 1986/ 30 March 1987Location KenyaPosition Lecturer/ Head of Business Education Department

SELECTED PUBLICATIONS

1. Advancing the African Microfinance Sector: Road Map and Action Plan Elaborated for the African Union Commission, Addis Ababa, Ethiopia, December 2008.

2. Enhancing the Contribution of Migration and Remittances in Poverty Reduction through Microfinance, published by OxfamNovib and INAFI International, Dakar, Senegal, October 2008.

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3. Co-author of Rapid Appraisal of Women Enterprise Development Fund, Republic of Kenya, Ministry of Gender, Children, and Social Development, March 2008, Nairobi, Kenya.

4. Co-author Raising Productivity and Reducing Risks of Informal Business in Africa as background paper to the World Bank Africa Region Analysis on the Informal Economy, WIEGO Network and World Bank PREM Network, 18 July 2008.

5. Greater Access to Finance for the Ordinary Tanzanian: The Tale of CRDB Bank’s Microfinance Technology, CRDB Bank, Dar es Salaam, (2006).

6. Capitalizing on the Gains: A Fresh Look at Microfinance and Poverty Eradication in Africa, INAFI Africa (2005).

7. The Challenges of Planning and Managing Growth for Africa’s Microfinance Institutions, INAFI Africa (2004).

8. Commercialization of Microfinance in Africa: Changing Lives or Making Profits, INAFI Africa (2003). 9. Co-author Learning to Compete: Education, Training, and Enterprise in Ghana, Kenya, and South Africa, Centre

of African Studies at the University of Edinburgh (2002).

10. Co-author A 2002 IFAD publication on Micro/Rural finance in Kenya.

11. Co-author The Transformation of Microfinance in Kenya published by the Harvard Institute for International Development (HIID) under the EAGER project.

12. Article in A 1999 publication on Credit and Finance published in Micro and Small enterprises' Credit in Kenya edited by Andrew Mullei and Crispin Bokea, the International Centre for Economic Growth.

13. Article in A 1999 book on Microfinance in Africa edited by Steven A. Breth and published jointly by the World Bank and the Africa Sasakawa 2000 Foundation.

14. Article in A 1997 publication on Regulation and Supervision of Microfinance Institutions edited by Craig Churchill of the Microfinance Network.

15. A 1996 publication on The Evolution of Group-based Microcredit Programmes in Kenya published by K-Rep Ltd.

16. Article in a 1995 Publication on Education and Training for the Informal Sector edited by Fiona Leach of the University of London.

17. A 1994 publication Annotated Bibliography of Studies and Inventory of Micro and Small-scale Enterprise Development Projects and Institutions in Kenya.

18. Article in A 1993 publication on The New World of Microenterprise Finance edited by Maria Otero and Elisabeth Rhyne published by Kumerian Press.