1. Family name: MacDade
2. First names: James Leonard
3. Date of birth: 7 September 1954
4. Nationality: American
5. Civil status: Divorced
Institution: Department of Economics, University of Sheffield, U.K
Degree/Diploma obtained: Ph.D. Candidate Research Focus: The use of knowledge to enhance the
effectiveness of commercial banking institutions in customer relationship
management through the use of client impact monitoring system.
Institution: Economics Institute, Boulder, Colorado, USA
Degree/Diploma obtained: Certificate of Advanced Microfinance Studies
Institution: Princeton University NJ USA
Degree/Diploma obtained: Master of Urban Planning
Institution: SUNY New Paltz NY, USA
Degree/Diploma obtained: Bachelor of Science Geography
7. Language skills: Indicate competence on a scale of 1 to 5 (5 – excellent; 1 – basic)
Language Reading Speaking Writing
English Mother tongue
French 4 4 4
Portuguese 4 4 4
8. Membership of professional bodies:
9. Other skills: IT proficient
10. Present position:
11. Years within the firm:
12. Key qualifications: (Relevant to the programme)
James MacDade is a financial sector expert and business development specialist with 25 years of experience in
transitional, conflict and post – conflict economies with specialties in banking, microfinance and financial markets,
rural and agricultural finance, investment promotion, regulatory structures and MSME development.
Team Leader for the investment promotion and development of a rural finance framework for the PRODEZA
agribusiness project in Zambézia province, Mozambique
Team Leader for the establishment of a rural finance framework for the Gezira Irrigation Scheme in Sudan.
Ongoing assistance in the restructuring of 15 Rural Community Banks in Ghana. Duties include training Board
members, management and credit staff in the new product development process, including introducing new credit
products such as agricultural lending for inputs, micro – leasing, and warehouse receipt financing for commodities
produced. Also designed and supervised Financial Literacy course for BDS providers and SME clients of a
regional commercial Bank.
Team Leader for a Management Audit of Zarai Taraqiati Bank Limited (ZTBL) to assess progress in
implementing the Restructuring Plan in terms of Governance and organizational structure; lending operations;
and financial performance. ZTBL, formerly the Agricultural Development Bank of Pakistan, is a large publicly
owned bank with 343 branches, over 5,500 staff, and over a million clients.
Recently Team Leader for Sustainable Microfinance under the USAID – funded Izdihar project, where he
supported the development of a national microfinance association, the establishment of Indigenous MFIs and other
support for microfinance actors active in the country.
Previously Team Leader for Microfinance for USAID / Iraq which entailed the monitoring and supervision of
USD 10 million in funding for international and local NGOs in Iraq, and included the design of an integrated rural
development / agricultural lending program.
Prepared and delivered a series of training programmes for Bosnian commercial bank and MFI loan officers in
the fundamentals of agricultural lending and credit portfolio management techniques, including the necessity of
developing tailored cash flow models and risk analysis. Advised on the introduction of new lending
technologies such as micro-leasing and warehouse receipt financing for agricultural commodities.
Designed a lending program for small – scale coffee farmers for UNOPS in Kenya, and has for several years
advised the Agricultural Marketing Systems Programme in Tanzania on the introduction of a warehouse receipt
system for financing commodities from small – scale farmers.
Chief Technical Advisor – Credit in Uganda for a DFID – funded project at Centenary Rural Development
Bank, responsible for revising the credit appraisal and approval mechanisms at a commercial bank, which
included extensive training and development of counterpart staff. He also instituted comprehensive credit
portfolio management techniques and supervised an innovative agricultural lending program.
Rural Finance Specialist for the USAID Rebuilding Agricultural Markets Programme in Afghanistan, designed
innovative lending programmes for small farmers with alternative cash crops and implemented lending schemes
and products conforming to Islamic Shariah-based principles and non-traditional forms of credit with MFIs and
other financial agents.
Overall, Mr. MacDade has provided a variety of consulting services to international donors in the fields of
microfinance, private-sector investment promotion and financial sector strengthening, including advisory services to
numerous public sector, commercial institutions and donor agencies regarding enterprise development, organizational
reform and the mitigation of regulatory constraints to indigenous business development.
13. Specific experience in the region:
Angola 1997 – 2000 on an intermittent basis
Bosnia & Herzegovina 2005
Burkina Faso 1997 – 2000 on an intermittent basis
Cameroon 1983, 1997 – 2000 on an intermittent basis
Côte d’Ivoire 1997 – 2000 on an intermittent basis
Ethiopia 1997 – 2000 on an intermittent basis
Ghana 1998, 2006
Iraq 2004, 2006
Malawi 1997 – 2000 on an intermittent basis
Mauritania 1997 – 2000 on an intermittent basis
Mozambique 1998 – 1999 and 2002 – 2003, 2007
Pakistan 2002, 2006
République Dém. du Congo 1980, 1997 – 2000 on an intermittent basis
Tanzania 2003 – 2006 on an intermittent basis
Togo 1997 – 2000 on an intermittent basis
Uganda 2000 – 2001
Zimbabwe 1992 – 1995
14. Professional Experience Record:
Company: Ministry for Foreign Affairs of Finland
Position: Team Leader
Description: The PRODEZA project located in Zambézia province, Mozambique seeks to promote viable and sustainable
investments in businesses in the province, including agri – business. The consultancy focuses on determining the
optimal financing mechanisms for this initiative, including venture capital funds, warehouse receipt financing,
micro – leasing and other innovative methods.
Company: FIRST Initiative / World Bank
Position: Team Leader
Description: The Gezira Farmers’ Union (GFU) has requested the FIRST Initiative to review and improve the rural financial
sector by improving access to financial services for farmers participating in the Gezira Irrigation Scheme (GIS),
a 1 million hectare irrigation production scheme. This request is part of a World Bank project to make the
Gezira region more productive and profitable and less dependent on state subsidies, by working with farmers on
improved crop yield and farming techniques. The Mission will suggest the design of innovative input financing
tools, the establishment of a warehouse receipt financing system, provision of microfinance services for micro -
enterprises and the introduction of mobile – phone based financial system outreach. These measures will
improve farm outputs and enhance access to finance, jointly contributing to improving the agricultural
profitability of the region.
Date: 2006 – 2007
Company: Asian Development Bank
Position: Team Leader
Description: Zarai Taraqiati Bank Limited (ZTBL) is a large publicly owned bank with 343 branches, over 5,500 staff, and
over half a million clients. ZTBL, formerly the Agricultural Development Bank of Pakistan, is implementing a 3
year Restructuring Plan within the context of Asian Development Bank’s ongoing Rural Finance Sector
Development Program. The Management Audit will assess the impact of the Restructuring Plan in terms of
Governance and organizational structure; lending operations; and financial performance.
Date: 2006 – 2007
Company: World Bank / IFAD
Position: Senior Advisor, Rural Financial Services Programme
Description: For the RFSP, assisting in restructuring of 15 Rural Community Banks in Ghana. Duties include training Board
members, management and mentoring credit staff in the new product development process, including
introducing new credit products such as agricultural lending for inputs, micro – leasing, and warehouse receipt
financing for commodities produced. Design and lead Training of Trainers sessions for new credit development
process. Design and supervision of Financial Literacy course for BDS providers and SME clients of regional
commercial Bank, with emphasis on accounting and record keeping; strategic and marketing plans; and
becoming a good borrower.
Company: USAID, Izdihar Private Sector Growth and Employment Generation Project
Position: Team Leader, Sustainable Microfinance Operations
Description: Supervised microfinance activities of local and international NGOs and designed technical assistance and
capacity building programs. Assisted in the establishment of indigenous MFIs through grants for loan capital,
supplemented by capacity building activities. Engaged in policy reform and creation of national microfinance
Location: Bosnia & Herzegovina
Company: Kreditanstalt für Wiederaufbau Bankengruppe (KfW), European Fund for Bosnia and Herzegovina (EFBH)
Position: Team Leader and Rural Finance Specialist, EFBH Rural Loan Programme
Description: Prepared diagnostic studies and designed technical assistance programme in support of the European Fund for
Bosnia and Herzegovina (EFBH) Partner Banks in the process of establishing or revising current policies,
procedures and products for rural (agricultural) lending as an integral part of their ongoing lending activities.
This includes designing and delivering a series of training programmes for Bosnian loan staff and senior bank
officers in the fundamentals of agricultural lending, including the necessity of developing tailored cash flow
models and risk analysis.
Position: Strategic Planning Specialist, CNFA Credit Union Training & Support Project
Description: Assisted the Ukrainian National Association of Savings and Credit Unions in the establishment of regional
credit union support centres using officially designated representative credit unions and their staff. Facilitated
strategic planning process in the development of regional credit union support centres in Simferopol and
Location: Bosnia & Herzegovina
Company: World Bank
Position: Rural Finance Specialist, Local Initiatives Microfinance Project
Description: Prepared and delivered a series of training programmes for Bosnian loan officers in the fundamentals of
agricultural lending, including the necessity of developing tailored cash flow models and risk analysis. Explored
the introduction of new lending technologies such as micro-leasing and warehouse receipt financing for
Position: Rural Finance Specialist, Rebuilding Agricultural Markets Programme
Description: Assisted the American NGO Mercy Corps to develop an innovative lending programmes for small farmers in
southern and eastern Afghanistan with alternative cash crops. Design of lending schemes and products
conforming to Islamic Shariah-based principles and non-traditional forms of credit with MFIs and other
financial agents. Assessed local CBO capacity to deliver services.
Position: Microfinance Team Leader and Advisor, Economic Recovery, Reform and Sustained Growth Project
Description: Managed the microfinance component of USAID-funded Project. This entailed supervision of microfinance
institutions operating throughout the country, designing tailored capacity-building programmes and overseeing
the development of an integrated IT solution for these partners. New product development, including an
innovative agricultural lending programme and products conforming to Islamic Shariah-based principles.
Managed capacity-building budget of $ 850,000, with financial reporting to USAID on adherence to budget sub-
limits and disbursement procedures. Primary responsibility for progress in achieving component goals and
objectives, as well as adherence with agreed-upon work plans. Establishment of impact assessment indices to
monitor positive effect of services on MFI clients
Position: Senior Rural Finance Specialist, United Nation’s Common Fund for Commodities
Description : Designed an innovative lending scheme for local commercial banks to finance input supplies for smallholder
coffee farmers. The scheme design focused on cash flows from coffee production, lending and appraisal criteria,
and programme cash flows. Strategic liaison with other donors, including EU and DFID, were established, and
the lending product successfully marketed to several commercial banks, including using SACCOS as retail
Position: Team Leader and Evaluation Specialist, Evaluation of Micro Start Mozambique
Description: Assisted UNDP in the evaluation of MicroStart, a multi-donor initiative designed to enhance the capacity of
selected microfinance institutions through targeted technical assistance and micro-capital grants. The evaluation
assessed performance of the project in relation to goals and objectives and also proposed re-orientation of the
intervention strategy for the follow-on phase to emphasize support for delivery of rural financial services, as
well as enhanced co-ordination mechanisms between Government, donors, and microfinance stakeholders.
Indices to monitor impact on clients were also suggested.
Position: Team Leader and Evaluation Specialist, Evaluation of Enterprise Mozambique
Description: Assisted UNDP in the evaluation of a not-for-profit institution providing entrepreneurship training and skill-
building to SMEs. Areas of evaluation include development of ideas to enhance the programme’s operational
and financial sustainability, as well as assistance in resource mobilisation and linkages with other private sector
initiatives and donor-sponsored programmes designed to enhance the SME sector in Mozambique.
Date: 2003, 2004, 2005, 2006
Position: Financial Sector Specialist, Agricultural Marketing Systems Development Programme
Description: Assisted UNOPS in supervising an innovative initiative designed to enhance the country’s agricultural
marketing systems through empowerment of smallholder producer groups, establishment of price and marketing
opportunities information systems, and policy reform. Reviewed programme work-plans and budgets against
performance, and recommended measures to enhance implementation effectiveness. Assisted the Programme in
design of warehouse receipt credit financing facility for farmers’ groups by establishing linkage banking
between SACCOS and commercial banks and a loan guarantee scheme for microfinance institutions by
marketing concept to commercial banks and securing partnership agreements. Coordination with Government
and other donors active in support for the agricultural sector and the microfinance industry.
Location: Beira, Mozambique
Position: Team Leader, Evaluation of CRESCE Microfinance Project,
Description: Evaluated microfinance programme reaching over 100,000 inhabitants of central Mozambique. Evaluation
focused on enhancing financial and operational sustainability through changes to credit product mix to
emphasise individual lending products, geographic rationalisation and steps needed to effect transformation into
independent legal entity.
Company: Save the Children - Foundation Zakoura
Position: Planning and Operational Systems Specialist
Description: Facilitation of business and strategic plan development for an innovative microfinance institution with over
150,000 clients nation-wide. Proposed organisational restructuring and human resource development plan to
attain planning objectives, increase management efficiency, and promote financial and operational
sustainability. Strategic alliances for funding and enhanced operational efficiency were also proposed.
Company: International Fund for Agricultural Development
Position Rural Finance Specialist, Rural Finance and Small Enterprise Development Project
Description: Mid term evaluation of Rural Finance and Small Enterprise Development project. Contributions included
analysis of lending portfolio, appraisal of partner financial institutions, and recommendations for credit
enhancement facilities and modifications to lending policies.
Location: Kenya & World– wide
Position: Team Leader, Financial Deepening Challenge Fund,
Description: Managed a team of eight consultants undertaking a mid term review of the FDCF project, a £20 million
innovative approach to fostering pro-poor financial deepening in the countries in East and Southern Africa,
India, and Pakistan. Lessons from the review will be incorporated into future rounds of regional and country-
based challenge funds, including revised eligibility criteria and appraisal methodology, to broaden Fund’s
outreach and effectiveness, in keeping with overall donor objectives.
Company: Save the Children
Position: Banking Systems Specialist
Description: Evaluated the MIS, accounting, and loan portfolio management systems of the micro-credit project in
Mozambique. Assisted in design of individual lending product.
Date: 2000 - 2001
Company: Centenary Rural Development Bank - DFID
Position: Senior Banking Advisor – Credit
Description: • Primary responsibilities included credit reviews and approvals; revamping the loan appraisal process;
designing new savings and credit products; assisting in loan portfolio management, including agricultural
lending products; and developing instructional materials for Bank credit staff training.
• Supervised extension of agricultural lending product to other rural branches, while maintaining excellent
• Supervised market research, assistance from MicroSave, and pilot programme for new product development
effort which resulted in Home Improvement loan.
• Developed successful funding applications for several donors, including USAID and DFID, and technical
assistance requests from the Ford Foundation and MicroSave.
• Developed indicators to monitor positive effect on microfinance clients and trained Bank staff in their use,
as well as integrating impact indicators into the new MIS system.
• Responsibility for reporting on attaining goals and objectives of donor programme and achieving lending
milestones and profitability targets.
Additional activities included: assistance in preparing the Five Year Business Plan and the annual operating
budgets; evaluation of new integrated MIS systems; and development of Internet-based and other informational
resources and materials.
Position: Banking Sector Specialist, Rural Financial Services Programme
Description: Responsible for designing IFAD Rural Financial Services programme.
Specific duties included proposing innovative linkages between rural savings and credit co-operatives and
Design of capacity-building activities for rural financial institutions and commercial banks, including
development of assessment criteria for programme support to MFIs, support for the national microfinance
association, and government microfinance policy initiatives.
Position: Rural Finance Specialist, Southern Highlands Rural Development Project
Description: Designed innovative savings and credit network to support province-wide integrated rural development product.
Company: Save the Children
Position: Banking Systems Specialist
Description: Evaluated the MIS, accounting, and loan portfolio management systems of the micro-credit project in Jordan.
Proposed sequencing and tasks required for transformation into non-bank financial institution.
Position: Banking Sector Specialist - Rural Development Project
Description: Assisted in design of second phase of rural livelihoods development project, with focus on enhancing access to
credit for small-scale agricultural and livestock producers.
Date: 1997 - 2000
Company: African Development Bank
Position: Co-ordinator, AMINA Microfinance Programme
Description: Responsible for programme design, initial implementation and operational management of an innovative $20
million grant-based capacity-building programme to support microfinance institutions in ten African countries.
Applicant evaluation criteria were developed and applied to partner MFIs to determine eligibility for assistance;
Board approved sub-limits were adhered to; financial accounts and reports prepared on disbursements; and
regular reports made to Executive Directors on progress against approved work plans and budgets. Overall
review of evolution of microfinance industries in several countries made, and impact of MFI operations
assessed. Overall responsibility for ensuring progress in attaining programme goals and objectives
Location: Mozambique & Tanzania
Company: Southern Africa Enterprise Development Fund
Position: Financial Sector and Institutional Development Specialist
Description: Responsible for identifying investment opportunities for SAEDF including identifying suitable financial
intermediaries and developing innovative investment management mechanisms.
Company: Brooklyn Economic Development Corporation
Position: Managing Director
Description: As Director of an economic assistance corporation, was responsible for the overall management of a $ 1 million
loan fund with commercial bank financing designed to assist small business owners and entrepreneurs seeking
to establish small businesses in the five Boroughs of New York City.
Company: Management Sciences International and The Zimbabwe Business Extension and Advisory Services
Position: Banking Sector Specialist
Description: Designed, developed and presented a series of seminars on small business lending techniques, business planning
tools and financial analysis methods for commercial bankers, technical assistance providers and NGO staff
managing small business support projects.
Position: Senior Credit Specialist, Maximizing the Outreach of Microfinance
Description: Participated in a worldwide survey and analysis of innovative micro-loan programmes.
Restructured an agricultural credit and marketing programme, with special emphasis on loan delivery systems
and staff retraining.
Company: ISTI - Northern Cameroon Coffee Producers Cooperative
Position: Business/ Management Specialist
Description: Evaluated financial condition of a regional agricultural co-operative. Developed projected operating budgets to
identify cash flow requirements.
Date: 1990 – 1992
Location: Luanda, Angola
Company: United Nation’s Centre on Transnational Corporations Gabinete do Investimento Estrangeiro
Position: Information Evaluation Expert
Description: • Assisted in the establishment of the Government Office of Foreign Investment.
• Identified Government investment priorities, and assisted SMEs in their investment plans by clarifying their
development priorities, helping to draft investment proposals, and sourcing potential foreign joint venture
partners and funding sources.
• Devised evaluation criteria that assessed the financial, social, and economic benefits of proposed
• Created an organisational plan, introduced management information system, and acted as liaison between
public and private sectors.
Date: 1989 - 1990
Company: USAID Bureau for Africa
Position: Financial Markets Advisor
Description: • Developed technical assistance programme to support the establishment of the Office of Foreign Investment
Promotion in Mozambique.
• Drafted an organisational development plan, manpower training programme, and a management information
system. Assisted in negotiations between the Government and donor agencies regarding
• Developed technical assistance programme to support Government of Uganda privatisation efforts. This
included inventory and valuation of properties and development of management information systems.
• In Guinea Bissau, developed a an experimental credit fund within the National Bank of Guinea Bissau
Date: 1982 - 1988
Company: Chase Manhattan Bank
Position: Vice President
Description: • Management of a $ 250 million credit and trade finance portfolio to agricultural commodity producers and
• Developed credit policies and audit procedures for Real Estate and Leasing; designed and implemented MIS
portfolio management system.
• Designed MIS system to monitor interest rate swaps and global exposure, Global credit portfolio
management and transaction analysis, Audit of developing countries exposure and non-performing assets.
• Credit analysis of debt restructuring and refinancing.
Company: Chase Manhattan Bank
Position: Lending Officer
Description: Managed corporate and correspondent banking portfolio, Development of credit policies and procedures for
SME lending programme, Credit analysis of major corporate and government borrowers.
Credit Training and Development Programme (1982)
Date: 1980 - 1981
Company: Catholic Relief
Position: Programme Assistant
Description: Designed and implemented a $10 million refugee assistance programme.
I, the undersigned, certify that to the best of my knowledge and belief, these data correctly describe my
qualifications, my experience, and myself.
James Leonard MacDade
Contact Information :
PO Box 14416
Mobile: + 255 754 251 381 / 784 465 458 / 752 357 624