JOAN C. HALL
Cell: 301 706 9980; Email: firstname.lastname@example.org
LONG TERM EXPERIENCE
Jan. 2002 - present
Conducts short term technical assistance missions focusing on microfinance, SME lending, and rural finance
institutions, as well as cooperatives and credit unions. Skills include strategic planning, financial analysis, training
and technical assistance, product development, environmental microfinance, and monitoring and evaluation. Trained
in USAID Poverty Assessment tools. UNEPFI Environmental and Social Risk Analysis Certification 2008.
Languages: English, Spanish, and French.
Co-Founder and Partner
Green Microfinance, LLC
Jan. 2002 to Jan. 2007
Founded GMf, whose strategic goal is to improve the environmental impact of microenterprises via microfinance
institutions, through training staff, establishing or reinforcing MFI polices and practices, educating practitioners and
donors, and developing loan products for environmentally friendly technologies.
Income Generation Officer
U.N. Relief and Works Agency (UNRWA), Jerusalem and West Bank
July 1996 to July 1998
Supervised a credit program for small-scale enterprises in the West Bank, providing medium term loans for fixed
asset acquisition. Monitored a bank guarantee program with a local bank, as well as a revolving fund implemented
directly by 19 UNRWA staff. Supervised the startup of a microenterprise credit program, with short term loans for
working capital, in the Nablus area.
Economic Development Coordinator
Consortium Viet Nam, Can Tho, Viet Nam
March 1995 - December 1995
Responsible for the oversight of a U.S. State Dept.-funded, group-guaranteed lending program in 11 provinces of the
Mekong Delta. Working through the Vietnamese Women’s Union, reached over 8,000 rural borrowers, with a
portfolio of $900,000 and a repayment rate of 97%. The majority of activities supported pertained to rural farming
Assistant to the Microenterprise Program
Catholic Relief Services, USCC, San Salvador, El Salvador
May 1994 - March 1995
Implemented a USAID-funded matching grant program involving 10 indigenous NGO counterparts with the eventual
goal of network formation. The program portfolio reached over US $1 million by mid-1995. Provided technical
assistance to counterparts. Supervised the design and installation of a management information system for
counterparts. Designed a socio-economic impact survey.
Foundation for International Community Assistance (FINCA), San Salvador, El Salvador
January 1991 - November 1993
Assisted the Chief of Party in the startup and implementation of a US $15 million USAID-funded microcredit
institution reaching 20,000 poor clients, 85% female, by Dec. 1993. Administered a portfolio of US $2.3 million by
the end of 1993, with a repayment rate of 97%. Trained credit staff in methodology, cost centers, and breakeven
points. Designed systems for measuring and reducing delinquency. Wrote training and procedures manuals.
Master of Science in Development Management, The American University, Washington, D.C.
Bachelor of Arts in Psychology, University of Arizona, Tucson, Arizona.
Bachelor of Science in Biology, University of Arizona, Tucson, Arizona.
Microfinance, Youth & Conflict: Central Uganda Case Study. MicroReport No. 38. Feb. 2006. Online at
Microfinance, Youth and Conflict: West Bank Study. MicroReport No. 41. Feb. 2006. Online at
Microfinance Brief: Tap and Reposition Youth (TRY) Program: Providing Social Support, Savings, and Microcredit
Opportunities to Adolescent Girls at Risk of HIV/AIDS in Kenya. A publication of The Population Council. 2006.
Online at www.popcouncil.org
How MFIs Can Have a Positive Effect on the Environment. 2006. Available at www.greenmicrofinance.org
Housing Finance for the Poor: El Salvador. MicroNote 39. Available at www.microlinks.org
Making Cents International
August – Sept. 2008
Co-organized and facilitated a 2.5-day training on emerging best practices in youth financial services for 25
participants from youth-serving organizations and MFIs.
June - August 2008
For CARE’s initiative Access Africa, conducted research on policy barriers to inclusive financial services for
Africans, especially women.
January – March 2008
For CHF’s partner institution, CHF Palestine, conducted a strategic planning workshop for spinoff of a microcredit
program into a sustainable microfinance institution. Follow up work included preparation of a business plan.
Subsequently prepared a proposal for housing microfinance for CHF Ghana.
ACCION International/ United Nations Advisors Group on Inclusive Financial Sectors, Private Sector Subgroup
October 2007 - February 2008
Produced synthesis chapters for a Handbook for Private Sector Engagement in Inclusive Finance, whose goal is to
provide successful case studies to private sector actors in order to increase their involvement in creating inclusive
financial sectors with a diversity of products for low income people.
For CHF’s partner institution, FVP Mexico, conducted a market study for expansion into a new area, wrote a business
plan based on that expansion, and assisted in the preparation for a due diligence visit by the IFC.
DAI El Salvador
Conducted field research for a housing microfinance case study investigating the link between remittances and
housing products in El Salvador. Wrote the case study based on three institutions.
May – June 2007
Assessed the feasibility of a financial instrument for a medicinal plants conservation project. Oriented the Project’s
income-generating activities to a business perspective using financial projections of costs and income. Gave
recommendations for capacity building to the Project’s NGO.
April - May 2007
Evaluated Concern’s microfinance initiative in Lao PDR, which aimed to create a best practice national microfinance
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Adventist Relief and Development Agency
Lead evaluator for the final evaluation of a USAID matching grant to ADRA and its programs in Peru and Ghana.
Cooperative Housing Foundation
Sept – Dec. 2006
Provided backstopping and technical support from HQ to CHF’s programs in Mexico, Jordan, and Colombia, with
assistance to Lebanon, Afghanistan, and Palestine. Supported commercial loan applications, business plans, and
financial projections. Provided assistance to a housing microfinance service company start up in Ghana. Co-wrote a
housing microfinance study for Shorebank/IFC Afghanistan.
The Population Council
Wrote a microfinance brief on the Populations Council’s TRY project, which linked vulnerable adolescent girls to
KREP-KDA group lending services. The paper was presented at the Halifax Microcredit Summit (Nov 06).
Organizer, Wharton – Green Microfinance Roundtable: Microfinance and the Environment – Setting the Research and
Convened 25 experts in the microfinance and environment fields to discuss the interface between microfinance and
the environment (May 5th and 6th, in Philadelphia). Identified roundtable participants, researched venues, set agenda,
raised funds, assisted with logistics, participated in the roundtable, and produced a summary of the event.
Catholic Relief Services – Senegal and El Salvador
July – Sept. 2005
Conducted the final evaluation of a USAID matching grant to CRS, focusing on two anchor countries, Senegal and El
Salvador. The purpose of the five-year grant was to transform microfinance programs into regulated financial
Chemonics – West Bank
May – Oct. 2005
Using Microsave tools, collected information on current practices and opportunities for microfinance with youth
clients in the Occupied Territory of West Bank, to help donors and practitioners make sound decisions for youth and
microfinance programming in conflict-affected areas.
InterAmerican Development Bank/Fundacion Espoir – Ecuador
Conducted the final evaluation of an IDB-funded village banking program plus health services in Ecuador.
African Development Bank – Tunisia
Jan. - March 2005
Wrote a microfinance policy and strategic orientation for the AfDB, interviewing stakeholders from foundations,
multilateral and bilateral development institutions, private firms, as well as AfDB staff and Board.
Duggleby and Associates – India
November – December 2004
Conducted an assessment of the financial constraints in the small business/agribusiness sectors in the state of
Maharashtra, from both the supply side and the demand side. Made recommendations as to how to improve financial
access for traders and suppliers.
Fonds d’Appui au Developpement Comunautaire – Comoros Island
September – October 2004
Evaluated the performance of the microcredit component of a World Bank-funded NGO in the Comoros Islands.
Opportunity International – Ghana
August - September 2004
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Evaluated the impact of a USAID Implementation Grant Program award to OI’s partner, Sinapi Aba, which is in a
conversion phase to a regulated savings and loan institution.
InterAmerican Development Bank – Costa Rica
Assessed the feasibility of a loan to two Costa Rican rural finance institutions channeling funds to agricultural
producers via community-level credit committees.
Enterprising Solutions Global Consulting - Sierra Leone
For the initial phase of a five-year technical assistance program to Sierra Leonean MFIs, supported by UNCDF,
UNDP, and KfW, with Enterprising Solutions as the TSP, assessed five MFIs for potential grant funding, using a
modified CGAP appraisal format.
ACDI/VOCA - Paraguay
Provided technical assistance in financial analysis and lending policies and procedures to a Paraguayan rural farmer
Enterplan - Mozambique
Jan. – Feb. 2004
Assisted a national-level Mozambican rural finance institution, lending primarily for agricultural commercialization
activities, with strategic planning and product design.
Opportunity International - Honduras, Zimbabwe
Sept. – Nov. 2003
Conducted the final evaluation of a USAID Matching Grant supporting capacity building to OI Network’s partners in
Zimbabwe and Honduras.
Inter American Development Bank - Costa Rica
Assessed the feasibility of lending USD 0.45 million to a Costa Rican rural finance institution channeling funds to
Enterprising Solutions Global Consulting - Haiti
July – Aug. 2003
Assessed client satisfaction in a UNCDF credit union project in Haiti, using Microsave PRA tools.
Association of Mexican Credit Unions in the Social Sector (AMUCSS) - Oaxaca, Mexico
Participant, Microsave Training of Trainers Workshop, Washington, DC, August 2002. Fieldwork conducted in
October 2002 with the Association of Mexican Credit Unions in the Social Sector (AMUCSS), using focus groups and
participatory rapid appraisal techniques developed by the Microsave program in Africa, to test the hypothesis of
demand for individual loans.
Catholic Relief Services - Burkina Faso
July – Aug. 2002
Provided strategic planning and proposal writing for the renewal of a USAID/BHR/FFP Development Activity
Proposal for the microfinance component of a US NGO program in Burkina Faso.
PRONICA/CIDA/CFSC - Nicaragua
Provided training to members of two cooperatives in business planning, including concepts of breakeven analysis,
cost benefit analysis, and market studies.
Duggleby and Associates - Nigeria
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Provided training to six Nigerian microfinance institutions in best practice microfinance, including demand-led
product development, strategic planning, projection of capital needs, calculation of effective interest rates,
delinquency measurement and control, credit analysis, and other relevant themes.
InterAmerican Development Bank - Peru
February - March 2002
Assessed the feasibility of lending USD 0.5 million loan to Pro Mujer Peru.
Summary of Consultancies from 1999 – 2001 (for more details, contact email@example.com):
Client: Government of Mexico, Ministry of Agriculture (SAGARPA), Programa PATMIR 2000 - Mexico
Date: November 2001 – January 2002
Mission: Evaluation of 9 rural finance institutions in Mexico
Client : Katalysis, Inc. - Mexico
Date: October 2001
Mission: Market research, Mexico.
Client: Pro Mujer - Mexico
Date: June – July 2001
Mission: Market research and feasibility study, Mexico.
Client: OIC International - Guinea
Date: April - May 2001
Mission: Evaluation, Guinea.
Client: African Development Bank – Ivory Coast
Date: Feb. – March 2001
Mission: Position paper on microfinance to assist the ADB in identifying strategies for supporting MFIs in Africa.
Client: Canadian Cooperative Association-African Development Bank
Date: June - September 2000
Mission: Evaluated ADB's microfinance initiative, AMINA.
Client: Counterpart International - Senegal
Date: March - May, September 2000
Mission: Feasibility study on a microfinance component in Senegal.
Client: UN Capital Development Fund - Nicaragua
Date: July - November 1999
Mission: Provided technical assistance to three rural savings and credit cooperatives and two urban NGOs in the
northern region of Nicaragua.
Client: Counterpart International - Zimbabwe
Date: June/July 1999, May 2000
Mission: Business plan for start-up of a national microfinance institution in Zimbabwe.
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