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    • JOAN C. HALL Tucson, Arizona Cell: 301 706 9980; Email: joanchall@yahoo.com LONG TERM EXPERIENCE Independent Consultant 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 and livestock-raising. 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. Program Assistant 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. EDUCATION 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. PUBLICATIONS Microfinance, Youth & Conflict: Central Uganda Case Study. MicroReport No. 38. Feb. 2006. Online at http://www.microlinks.org Microfinance, Youth and Conflict: West Bank Study. MicroReport No. 41. Feb. 2006. Online at http://www.microlinks.org 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 CONSULTANCIES 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. CARE International June - August 2008 For CARE’s initiative Access Africa, conducted research on policy barriers to inclusive financial services for Africans, especially women. CHF International 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. CHF International September 2007 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 July 2007 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. UNDP/GEF Cairo 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. Concern Worldwide April - May 2007 Evaluated Concern’s microfinance initiative in Lao PDR, which aimed to create a best practice national microfinance policy environment. Joan Hall 2
    • Adventist Relief and Development Agency Jan 2007 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 July 2006 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 Policy Agenda May 2006 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 institutions. 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 April 2005 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 Joan Hall 3
    • 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 August 2004 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 June 2004 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 May 2004 Provided technical assistance in financial analysis and lending policies and procedures to a Paraguayan rural farmer cooperative. 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 August 2003 Assessed the feasibility of lending USD 0.45 million to a Costa Rican rural finance institution channeling funds to agricultural producers. 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 October 2002 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 May 2002 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 April 2002 Joan Hall 4
    • 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 joanchall@yahoo.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. Joan Hall 5