Curricula Vitae of Dr Amritkumar Patel
Name                   Family Name                  First Name                     ...
•   Established Credit Committees & as member of the committee trained the decision-makers to take
    decision in the lig...
Description   Reviewed & evaluated the current status of the working of six Non-Banking
Of Duties     Financial Organizati...
Inspection of loan accounts under revised system
              Credit appraisal under the revised Loan Policy & Procedure
...
targeted performance
                  •   Business plan was reviewed on a monthly & quarterly basis to assess
           ...
Development Credit Bank Ltd. India
Company
Position      Agricultural & Micro-credit expert
Description       •   Assessed...
activities, loan application forms & documents, sanction,
                     disbursement, recovery & dealing with loan ...
funded by international agencies. As Senior Micro-credit Expert I
                 performed following responsibilities.
 ...
which can be used as desk reference book for day- to- day
                     operations as well as for providing structu...
staff and prospective clients.

Date          February’90 to December’90
Location      Bangladesh
Project       Small-scal...
Date          August’88 to December’88
Location      Uganda
Project       Project Identification Mission mounted by Intern...
Date           December’70 to December’86
Location       India
Project        Project to accelerate farm sector lending by...
I am self-employed
          YES      NO
           X
Signature    ARPATEL
                        11       May          2...
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  1. 1. Curricula Vitae of Dr Amritkumar Patel Name Family Name First Name Middle Name Patel Amritkumar Raychandra Date of Birth November 01,1937 Citizenship India & settled in USA Permanent Address 2503, West Minster Blvd Parlin, New Jersey N J –08859 USA Telephone No. 732 316 9219 / 732 553 0825 Fax 732 316 9219 E-mail Address Amrit_rpatel @yahoo.com Bhadresh_patel @yahoo.com Educational Qualifications Year of Graduation Degree School Major Field 1988-1990 Ph.D South Gujarat Rural Studies University, India 1967-1969 M.SC.[Agrionomy S.V.P. University Agronomy India 1954-1958 B.Sc [Agri] S.V.P University Agriculture India Key Qualifications • Hold more than 10 years¡¦ experience [from 1992 till date] in developing commercially viable micro- finance system & more than five years¡¦ practical field level experience of directly working with MFIs in Tajikistan, Azerbaijan, India, Bangladesh, Uganda, Kenya, Mauritius, Figi under internationally funded projects. • In-depth knowledge of the existing status of regulatory & supervisory requirements of central banks for MFIs in 14 countries including China, • Proven & demonstrated expertise in establishing & operations of commercially viable/financially sustainable micro-finance system in commercial, cooperative, rural & non-bank financial organizations to cater to the needs of trade, production, service & agricultural sector. • Rich experience of lending operations and recovery & risk management in banks. • Reviewed existing organizational structure of banks, non-banking financial organizations & MFIs and re-engineered the lending & administrative departments, re-defined the role, functions & responsibilities of staff & executive authorities to meet challenging task Assisted bank management in recruiting need based, cost-effective & result oriented staff. • Devised loan policy & programs and constituted loan review & advisory council to guide the bank management on the effective loan operations in the light of business goals & policy. • Conducted market survey of different agro-ecological regions & developed different types of loan products to suit the clients’ requirements & established /shifted branches of commercial, cooperative, &rural banks in light of business potentials • Expertise in developing country /region-specific credit technology/methodology which includes loan origination, credit analysis,/appraisal, sanction, documentation, disbursement, supervision, follow-up, monitoring-cum-concurrent evaluation, recovery & risk management, ex-post impact evaluation. • Drafting of various forms, formats & documents and Manuals on Credit Management, Training Modules & Human Resources Development • Trained staff of head offices & operating branches of commercial, cooperative, rural banks & non-bank financial organizations, elected representatives on management boards, credit committees, supervisory committees, borrowers sharply focusing on their key functions, build capacity & transfer skills to perform their job efficiently & result oriented and make them accountable.. • Created resourceful cadre of management of local counter parts by providing class-room & on-the job training followed by post-training follow-up
  2. 2. • Established Credit Committees & as member of the committee trained the decision-makers to take decision in the light of borrower’s willingness & capacity to repay the credit on time. Participated in decision-making process, disbursement of credit to borrowers, effective supervision of loan portfolio & recovery of loans along with interest. • Developed efficient system to supervise the staff of MFIs & co-ordinate among different institutions operating for the common cause including Government, central bank & NGOs. • Devised Management Information System & furnished monthly, quarterly, semi-annual & annual statements focusing the performance & targets and critical analysis on the quality of performance. • Acquired administrative, managerial ,communication & interpersonal relation skills Trainings received & Membership Training • Training on “Financial Management--- Agricultural and Rural Development Projects” funded by World Bank,1st March’74 to 30th April’74 • Training on “ Monitoring and Evaluation of Agricultural and Rural Development Projects” funded by Food & Agriculture Organization, 1st August’80 to 30th Sept’80 • Study Tour for Formation of Self-Help-Groups under Micro- credit Operations” in Indonesia, Philippines, Malaysia sponsored by Asia Pacific Regional Agricultural Cooperative Credit Association, from 15th Sept’92 to 30th Sept’92 Professional License/ Certificate of Associate ship of Indian Institute of Bankers, 1975 Certificates/ Life Member of 12 National level Professional Societies viz Membership Indian Economic Association; Indian Society of Agricultural Economics; Indian Institute of Banking & Finance; Indian Bank Association; Indian Society of Cooperation; Agronomy, Soil Science, Horticulture, Plantation Crops, Agricultural Engineering, Soil & Water Conservation, Weed Science, Registration with World Bank & Microfinance Gateway, Washington DC. Language Proficiency Read Write Speak Language Basic Good Fluent Basic Good Fluent Basic Good Fluent English Yes Yes Yes Hindi Yes Yes Yes Gujarati Yes Yes Yes Assignments handled Date 10th Nov’05 to 2nd Dec’05 Location Tajikistan Project Farm Privatization Support Project funded by World Bank Company World Bank, Washington D C, USA Position Member of World Bank Mission as Credit Specialist
  3. 3. Description Reviewed & evaluated the current status of the working of six Non-Banking Of Duties Financial Organizations established in Tajikistan and identified the need for training of elected representatives, executive staff & stakeholders/borrowers in seven key areas. Designed training program, Prepared seven Training Modules & Imparted Training covering following key areas 1.Management Information System 2.Recovery & risks management 3.Dealing with Loan delinquency 4.Operational viability & Financial sustainability of NBFOs 5.Credit Appraisal Procedure in the context of emerging requirements 6.Accountability of elected representatives & executive staff to General Assembly 7.Concept & Procedure for re-registering NBFOs as Micro-Finance Institutions under Micro Lending Organisatons’ Law of Tajikistan Intensively trained one staff in Project Management Unit in areas of Monitoring, & Review of working of NBFOs; Supervision & Follow-up for Recovery of Loans Date January’05 to June’05 Location Tajikistan Project Farm Privatization Support Project funded by World Bank Company Project Management Unit, Tajikistan Position Credit Association Specialist Description Following tasks were carried out in relation with six Non-Bank Financial Of Duties Organizations established in six different agro-ecological regions in Tajikistan Detailed field studies were taken up to understand the present status of six NBFOs in relation to their working & financial viability, organizational set up & developing loan products & their pricing. Identified key issues & made recommendations to improve the working of NBFOs & achieve operational viability & financial sustainability. Appraised the operational, accounting & loan policy manual to ascertain their need, utility & effectiveness Revised Manual on Loan Policy & Procedure to suit the changing needs of the clients & area Incorporated specific additions to the charter of NBFOs to reflect its democratic character & governance Class room training was held for the elected representatives & executive staff of NBFOs in Dushanbe to appreciate the concepts, operations & management of NBFOs; lending methodology, developing & marketing of loan products; monitoring, reporting & evaluation system; capacity & institution building On-the –Job Training at the field level was organized for elected representatives & executive staff for improving their skill in understanding the methods, system & procedure with regard to efficient management of NBFOs & achieve the objectives Training sharply focused on following key areas Reporting system on the performance of NBFOs to PMU in Dushanbe Understanding the significance & utility of structured forms & schedules Organizing Annual General Meeting / Extraordinary General Meeting of the General Assembly Holding Meetings of the Board of Directors; Credit Committees & Supervisory Commission; drafting agenda for the meetings; passing resolution on the decisions taken by the elected bodies; giving effect for implementation of the decisions & their follow up etc.
  4. 4. Inspection of loan accounts under revised system Credit appraisal under the revised Loan Policy & Procedure Fund Management; Recovery & Risk Management Monitoring & Follow up by Project Management Unit, Dushanbe Output under the assignment: Trained elected representatives & executive staff of six NBFOs Trained personnel in Project Management Unit, Dushanbe Preparation of Manual on Loan Policy & Procedure; Desk Reference Book on “ On-the-Jon Training of elected representatives & executive staff and Monitoring & Follow up by Project Monitoring Unit, Dushanbe’ Date May’02 to Decmber’04 Location Azerbaijan Project Agricultural Development & Credit Project funded by World Bank Company Agency to Support Agricultural Development in Private Sector, Ministry of Agriculture, Azerbaijan Position Micro-credit Expert & Cooperative Credit Specialist Description As one of five members in a team I had effectively participated & contributed in Of Duties performing following tasks. I had also been Team Leader for six months during the latter part of the period.. • Guided & assisted in preparing proposal for registering the Credit Implementing Agency [Non-Banking Financial Organization] in Baku with Ministry of Justice and licensed by National Bank of Azerbaijan. • Identified six different agro-ecological regions & established Micro-credit Groups & Credit Unions with elected representatives & credit committees • Trained four local experts in head office & six in regions in lending & recovery operations and oversaw the performance as per terms of reference • Conducted market survey of the area for developing loan products, pricing, & establishing Micro Credit Groups & Credit Unions in six regions of the country. • Drafted Charter for Credit Unions & got Credit Unions registered with Ministry of Justice & licensed by National Bank of Azerbaijan • Organizational Structure was reviewed & suitably strengthened to respond to the project needs, functions were clearly defined and implemented • Devised policy & system for loan origination, credit appraisal, sanction, documentation, supervision, recovery & risk management, reporting & evaluation. • Drafted Manuals on Credit & Recovery Management, Human Resources Development, Operations & Training Modules to serve as desk reference. • Devised policy framework & Formulated business plans focusing on targets for establishing Borrowers Groups, number of clients and disbursement of loan amount, number of Credit Unions to be set up . • Strategy focusing on lending methodology, developing & marketing loan products, reporting & monitoring system was formulated to achieve the
  5. 5. targeted performance • Business plan was reviewed on a monthly & quarterly basis to assess operating performance as well as other parameters included in business plan, problems experienced, suggestions to remedy problems etc. • Closely worked with Borrowers’ Groups & Credit Unions, established credit committees and participated in decision-making process & disbursement of loan of US $ two million to 6000 clients with 98.5 % recovery rate. • Human Resources Management and training plan & policy including staff incentive package for improved performance was framed. • Comprehensive training program, including preparation of seven training modules, was designed & all staff including six local experts were fully trained for capacity building and transferring necessary skills • Established efficient Liaison mechanism among micro-credit units established in five regions in Azerbaijan as well as informal coordination arrangement was made with other micro- finance institutions, Azerbaijan Micro-finance Bank, NGOs Azerbaijan Micro-finance Association, Government departments and National Bank of Azerbaijan in order to share experience and prevent defaulters to obtain credit from other micro- credit units Date November’2000 to April’02 Location India Project Farm sector & Micro-credit Development Project refinanced by National Company Bank/ International Funding Agencies Agricultural Finance Corporation, India Position Agricultural Credit & Micro-credit Expert Description • Studied the operational area in six regions of a leading premier Of Duties Nationalized Commercial Bank, “ Dena Bank” and identified 50 branches in the first year and 150 in next two years to operate as full fledged Micro-Finance Institutions • Formulated human resource management & training policy for undertaking intensive micro-financing program • Put in place restructured organization, prepared business plan focusing on region-wise number of clients to be assisted, amount of credit to be disbursed, number of staff & clients to be trained etc. • Strategy was devised to achieve targeted performance and effective monitoring & review system was established to review operating performance on a quarterly basis • Established effective Liaison mechanism among other MFIs to share experience, prevent double financing/financing defaulters and improve quality of business. • Comprehensive training programs, Seminars, Business Meets were arranged for staff of MFIs as well as customers Date November’99 to October’00 Location India Project Micro-Credit Program by Private Sector Bank
  6. 6. Development Credit Bank Ltd. India Company Position Agricultural & Micro-credit expert Description • Assessed the organizational, financial and managerial strength & Of Duties weaknesses of the private sector commercial bank, “ Development Credit Bank Ltd.” to commit to provide agriculture and micro-credit in the changing environment of financial sector reforms and opening new business opportunities • Formalized 10 strategic Credit Cooperatives to operate as full fledged MFIs • Designed Manuals on operation of MFIs; Credit & Recovery Management; and Training Staff & Clients • Organised five structured Training programs & Refresher program for capacity building and transferring necessary skills of the staff of MFIs • Follow up Training program to assess the effectiveness of training imparted • Seminars, Workshops, Conferences & Business Meets were held to provide latest know-how & information on new developments taking place in the sphere of Micro-finance particularly focusing on UN Millennium Development Goals • Effective Supervisory, Monitoring, Review & Management Information system was designed & put in place Date November’97 to October’99 Location Azerbaijan Project Farm Privatization Project funded by World Bank Company Project Management Unit, Ministry of Agriculture, Azerbaijan Position Agricultural Credit Specialist Description Design and Implementation Modalities of Farm Privatization Project Of Duties were on lines with those of Micro-credit concept and operations. Under the project I carried out following • Conducted market survey of the operational area and held several meetings with farmers to understand the existing credit delivery system and aspects for substantially improving it. • Evolved policy framework for AgroProBank to operate its six branches as MFIs for providing micro-credit to privatized farms • Recommended organizational restructuring of newly created MFIs to respond favorably to clients’ emerging credit needs • Brought out handout “how to obtain micro-credit for farm development?” and distributed widely for creating awareness among credit users • Business policy document was prepared and Action Plan was formulated to achieve business goals • Quarterly review meetings were held to review the performance, identify constraints and take remedial steps to improve performance • Developed Manual on Credit Appraisal Procedure in detail covering identification & selection of beneficiaries and business
  7. 7. activities, loan application forms & documents, sanction, disbursement, recovery & dealing with loan delinquency procedure, establishment of Credit Committees & their job role, functions and responsibilities, conducting of meetings, frequencies, recording minutes of decisions, communication • Participated in Credit Committee Meetings and provided directions to improve the functioning of the committee to satisfy the borrowers • Conducted comprehensive training programs for staff of the Bank, Project & Government using Manual on Credit Appraisal Procedure & breaking it in seven modules with an objective of transferring necessary skills for efficiently managing credit and risk and dealing with loan delinquency procedure. • At field level two training programs in each region were organized for enhancing credit users skills in availing & using credit, generating income & repaying credit on time. Date November’95 to October’97 Location India Project Maharashtra Rural Credit Project focusing on Micro-credit funded by International Fund for Agricultural Development Company Bank of Baroda Position Senior Micro-credit expert Description Bank of Baroda, a leading nationalized commercial bank with Of Duties overseas branches in 12 countries proposed to extend coverage of MFIs in Maharashtra. As senior Micro-credit expert I carried out following tasks • Conducted detailed studies to assess the scope for upgrading 15 branches of Bank of Baroda and operate as full-fledged MFIs. • Formulated Bank policy and program for providing micro-credit, recommended need based changes in the organizational, financial and managerial structure including human resources management & training policy to match the needs of the project • Designed Manual on Micro-credit operations & management of MFIs • Developed Training Manual with six modules for capacity building and transferring necessary skills to staff of MFIs and clients • Designed supervision & monitoring schedules to ensure targeted performance and put in place review system to assess critically the performance on a quarterly basis, Date May’94 to October’95 Location India Project Project on Self-Help Groups[Micro-credit] Development by Rural Credit Institutions refinanced by National Bank/International Funding Agencies Company Bank of Baroda Position Senior Micro-credit Expert Description In the light of Financial Sector Reforms Rural Credit Institutions in Of Duties India proposed to establish MFIs for promoting concept of Self-Help Groups under the refinance arrangement with National Bank being
  8. 8. funded by international agencies. As Senior Micro-credit Expert I performed following responsibilities. • Provided overall technical leadership for overseeing the micro- credit operations of 300 MFIs in 10 regions of a leading premiere international commercial bank [Bank of Baroda] • Undertook development and application of appropriate lending methodologies and portfolio management in a changed environment • Identified credit profile criteria and most appropriate methodologies that apply to target beneficiary group • Formulated credit & recovery management policy, procedure and strategy • Put in place restructured organization to respond new and challenging tasks • Identified additional100 potential centers for setting up full- fledged MFIs • Designed institutional plans that could result in an efficient micro-credit program either linked to sponsoring Bank or independently on its own • Conducted intensive coaching, mentoring and training as frequently as required for staff, beneficiaries and NGOs so that they could prepare themselves for further institutional role in the area of micro-credit • Established effective coordination mechanism among MFIs and between MFIs and other development oriented agencies Date January’92 to April’94 Location India Project Project on Self-Help Groups[Micro-credit] Development by Rural Credit Company Institutions refinanced by National Bank/International Funding Agencies Bank of Baroda Position Micro-credit Expert Description In the light of financial sector reforms Bank of Baroda being a leading Of Duties premier nationalization bank with over 50 oversea branches in 12 countries proposed to undertake Micro-credit program intensively and extensively. As micro-credit expert in charge of the program following task was undertaken. • Identified initially 50 potential branches to operate as full-fledged MFIs in the first year and increased to 250 progressively in the next two years. • Developed handouts for below poverty-line rural families/target group and manual on operation for senior staff of MFIs for effective implementation of the program • Conducted market survey involving staff to select right of eligible micro-credit customers, study their socio-economic status, business activities & inherited /acquired skills as well as need for improving their skills in the light of business activities they pursue, develop financial products • Formulated micro-credit policy, program, planning & implementation process • Developed comprehensive Manual on credit Appraisal Procedure
  9. 9. which can be used as desk reference book for day- to- day operations as well as for providing structured training to staff and credit users. • Formulated business policy and plans targeting number of micro- credit units to be set up in three years, number of clients to be served and loan business • Closely worked with MFIs to constantly accelerate the performance • Intensive need based and result oriented training was organized periodically to train staff in all aspects of selection of customers, formation of Self-Help-Groups, holding regular meetings, potential for mobilizing internal savings & lending among them, assessment of credit needs, establishing Credit Committees to appraise, sanction, disburse, supervise, recover and deal with loan delinquency issues, reporting • Frequent trainings were organized for existing and prospective customers to understand the concept of forming SHGs and operations of micro-credit programs focusing on the objective of people’s participation, democratically & informally electing office-bearers, ensuring transparency and good governance in the operations. Date January’91 to December’91 Location Uganda, Kenya, Mauritius and Fiji Project Project to Accelerate Farm Sector & Micro-credit Development in Overseas Branches of Bank of Baroda Company Bank of Baroda Position Agricultural & Micro-credit Expert Description Bank of Baroda being a leading nationalized commercial bank and Of Duties having presence in 12 countries proposed to concentrate on farm sector development with focus on provision of micro-credit to target group of beneficiaries. As Agricultural Credit & Micro-credit expert I initiated following steps • Streamlined the functioning of overseas branches for financing farm sector with emphasis on micro-credit operations. • Evaluated managerial, financial and organizational structure of Bank of Baroda in its overseas territories viz, Uganda, Kenya, Mauritius and Fiji to support farm sector development & micro- credit program/ • Recommended need based & cost effective measures to strengthen the organizational structure. • Studied human resources management and training policy to identify strength and weaknesses so as to seize new business opportunities and minimize impact of likely threats in the respective country • Evaluated institutional infrastructure to support credit based farm development & micro-credit program • Formulated techno-economically viable credit schemes & developed financial products • Recommended detailed need based training program for bank
  10. 10. staff and prospective clients. Date February’90 to December’90 Location Bangladesh Project Small-scale agro-projects funded by Asian Development Bank Company Asian Development Bank, Dhaka Position Agricultural Credit & Recovery Management Specialist Description Design and Implementation Modalities of financing small-scale agro- Of Duties projects were similar to those for providing micro-credit by MFIs. I carried out following tasks • Evaluated the credit appraisal and recovery management policy and procedure of Bangladesh Krishi Bank for operating Credit Line sanctioned by Asian Development Bank • Assessed managerial, financial and organizational structure of Bangladesh Krishi Bank and its human resource management and training policy to support small scale agro-based projects for which Credit Line was sanctioned. • Evaluated formulation of loan products, credit appraisal procedure, supervision & follow up techniques to recover loan and deal with loan delinquencies. • Organized Seminars, Workshops and short Training programs for staff and clients to appreciate the system, methods and procedure of Bank for lending and recovery as well as methods to deal with loan delinquency. During the project period a detailed study was carried out on the Micro-credit Opeerations by Bangladesh Grameen Bank, Dhaka through promotion of Self- Help Groups in order to implement this concept in India and elsewhere. Date January’89 to December’89 Location India Project Agricultural Credit Delivery System Project funded by World Bank Company Bank of Baroda Position Agricultural Credit Specialist Description Project on Agricultural Credit Deliver System to improve quality and Of Duties productivity of lending and recovery management by Rural Credit Institutions was funded by World Bank. Under the project I carried out following tasks • Assessed the organizational strength and effectiveness which can improve Credit & Recovery management substantially. • Recommended and put in place restructured organization in all 60 branches of Bank of Baroda with detailed defined role and responsibilities of the staff • Provided training to staff as well as borrowers as frequently as needed in order to concentrate on qualitative lending and full recovery with interest. • Time bound action plan was formulated to recover past over dues • As Project Leader effective liaison was established among all participating commercial. Cooperative and rural banks to exchange experience, improve quality of lending, recover credit and to ensure that no defaulter obtains loan from other bank. • Supervision, monitoring, review and management information system was designed and put in place to achieve expected results
  11. 11. Date August’88 to December’88 Location Uganda Project Project Identification Mission mounted by International Fund for Agricultural Company Development International Fund for Agricultural Development Position Agricultural Credit & Institutional Specialist Description International Fund for Agricultural Development’s philosophy has Of Duties been to assist rural poor, particularly women & children and concentrate more on production of food grains, I had the opportunity to carryout the task on lines of the concept of Micro-credit as was practiced by Bangladesh Grameen Bank. • Assessed managerial, financial and organizational competence of Uganda Commercial Bank and Uganda Cooperative Bank and their human resource management & training policy to support farm sector development. • Identified constraints specifically with regard to credit and recovery management. • Prepared a detailed report containing steps to reorganize institutional infrastructure structure, reorient training system, potential for developing new loan products and strategy to substantially reduce past over dues in a period of three years. Date July’87 to June’88 Location India Project Study of the Role and Effectiveness of Rural Credit Institutions funded by World Company Bank Agricultural Finance Corporation/Reserve Bank of India Position Agricultural Credit Specialist Description World Bank funded project to Study the Role & Effectiveness of Of Duties Rural Credit Institutions in India under which I carried out following tasks • Evaluated the role and effectiveness of three Commercial Banks, three Rural Banks and two Cooperative Banks and 10 branches of each of them in respect of managerial, financial and organizational competence, their human management & training policy to support farm and rural sector development • Studied threadbare their Manual on Credit Appraisal and related instructions focusing sharply on credit and recovery management including procedure to deal with loan delinquency • Identified constraints and suggested detailed measures to improve recovery of past over dues in a time bound program • Prepared detailed report containing recommendations to improve the quality and productivity of rural lending by Rural Financial System and suggested strategic planning for recovery of past over dues, comprehensive training of staff and borrowers to impart necessary skills and build capacity, coordination mechanism with farm universities and marketing organizations, input dealers for integrating credit with supplies and services.
  12. 12. Date December’70 to December’86 Location India Project Project to accelerate farm sector lending by Rural Credit Institutions refinanced Company by National Bank being funded by international agencies Bank of Baroda Position Agricultural Credit Specialist Description With the nationalization of private sector commercial banks by the Of Duties Government of India, to provide needed credit for farm sector development & support Green Revolution , as Agricultural Credit Specialist I carried out following tasks • Formulated farm credit policy, planning and implementation process to support farm sector development • Developed loan products in the area of production of crops, fruits, vegetables, livestock products & fish • Drafted Manual on Credit Appraisal Procedure and Training Manuals along with 10 modules • Organized need based structured training programs, refresher programs and post training follow up for making training effective to achieve the objectives. • Established coordination mechanism among banks and between banks and other agencies at various levels to share lending experience and improve effectiveness of lending Date January’69 to November’70 Location India Project Project on integration of research, extension and education system funded by international agencies Company Ministry of Agriculture, India Position Professor of Agronomy & Agronomist, Gujarat Agricultural University Description • Taught the subject of Agronomy to final year students of the Of Duties University • Guided two students in pursuing post-graduate studies in the discipline of Agronomy Date September’58 to December’68 Location India Project Project to strengthen farm research system funded by international agencies Company Ministry of Agriculture, India Position Research Associate & Farm Manager Description • Conducted research focusing on the efficient use of water coupled Of Duties with high yielding varieties of seeds and ferilisers for maximizing productivity, prodction and profitability of cereals, oilseeds, cotton, sugarcane crops • Demonstrated the proven farm technology among farmers through deploying various extension methods. I, the undersigned, certify that to the best of my knowledge and belief, this bio-data correctly describes myself, my qualifications and my experience. I understand that any willful misstatement described herein may lead to my disqualification or dismissal, if engaged.
  13. 13. I am self-employed YES NO X Signature ARPATEL 11 May 2006 Date of Signing Day Month Year REFERENCES FOR AMRIT PATEL Mr T. Sampath, Task Manager The World Bank, 1818 H Street NW Washington DC 20433 USA Telephone No. 202-375-7715 E-mail tsampath@worldbank.org Fax 202-614-0736 Mr Pierre Oliver Colley Senior Microfinance Specialist The World Bank, 1818 H Street NW Washington DC 20433 USA Telephone No. 202-47-5039 E-mail pcolleye@worldbank.org Fax 202-614-0698 Mr T.Ostonaev, Director, Project Management Unit, Room No.144 Tno. [992-372] 214434, 211367 Fax; [992-61] 901-5072 Email fpsp@tojikiston.com Rudaki Avenue, 44, Post Code 734025, Dushanbe, Tajikistan Dr[Ms] Svetlana Balkhova, Office Manager Tno. [992-372] 214434, 211367 Fax; [992-61] 901-5072 Email fpsp@tojikiston.com Rudaki Avenue, 44, Post Code 734025, Dushanbe, Tajikistan Mr Vagif Huseynow, Director, Agency for support to the Development of the Agricultural Private Sector, Room 809, Government House, 40 U. Kajibekov St. Baku 370016 Azerbaijan Telephone [99412] 934693 Email Mr Famil Mehtiev, Deputy Director, Agency for support to the Development of the Agricultural Private Sector, Room 809, Government House, 40 U. Kajibekov St. Baku 370016 Azerbaijan Email mehtiev@ azeurotel.com

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