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LB Prakash
19 Sai Enclave, Road # 12, Banjara Hills, Hyderabad, 500 034, India
Phone : +91 99-899-11-414 Email : prakash.lb@gmail.com, WhatsApp / Viber : +91 99899 11414 Skype: lbprakash
An international development specialist with over 25 years of experience in agriculture finance and financial
services – rural finance and SME finance and development in South Asia. Been working in Afghanistan
since 2005. During March 2011-April 2016, was working with USAID’s “Financial Access for Investing in
the Development of Afghanistan” (“FAIDA”) project.
Some of the key strategic areas where I have rendered my expertise including capacity building and
mentoring, policy advocacy and governance reforms, organizational development and management,
institutional assessments and program evaluations, are, contract farming (especially with agriculture
processing and marketing cooperatives), financial review, institution building and governance of the
cooperatives,. I worked over 15 years in India with agricultural credit cooperatives, self-help groups and
their federations involved in empowering women and enhancing access to finance – savings and credit,
agriculture produce collection and collective marketing cooperatives promoted by the World Bank funder
Velugu project in Andhra Pradesh, India. I have also organized cooperatives of cotton and organic cotton
cooperatives in Andhra Pradesh and linked them banks to access finance for meeting investment and
working capital needs. I also led the contract farming initiatives through farmers’ processing and marketing
cooperatives in select districts of Andhra Pradesh, India (over 30,000 farmers), facilitated in direct marketing
of produce (rice) to customers, linked cooperatives to wholesalers/suppliers of farm inputs – fertilizers,
pesticides, farm implements, mentor the Board and staff of farmers’ cooperatives, through Institutional
Building Services.
I also have expertise in developing and designing training curriculums, manuals and modules. Important
training undergone includes training on ToT Methodologies, Individual Lending Methodologies, Market
Research for Microfinance and Process Mapping. Also undergone the training “Making Markets Work for
Business Growth and Income” (M4P training) conducted by Springfield Centre, UK at Glasgow, UK.
I am an expert in organizational development and management, local staff capacity development,
community organizations and cooperative promotion. I facilitated many national and international training,
workshops, seminars and other events, and have expertise in developing and designing training curriculums,
manuals and modules. Recently, I was also involved in Ghana in design and deliver of two successful
trainings on “Agricultural Finance Product Development” to 37 partner financial institutions, which received
high ratings by participants and contributed to the expansion of agricultural loans in northern Ghana
followed by providing customized technical assistance support programs to design financial products and
delivery mechanisms to expand access to finance for the targeted value chains of rice, maize and soy in
northern Ghana, I facilitated many national and international training, workshops, seminars and other events.
As part of my action research on urban microfinance, I co-promoted Hindusthan Microfinance Pvt Ltd, an
urban MFI in Mumbai, India. I am also the founder Secretary of Akshara, an organization based in
Hyderabad, India and initiated in 1998, to fulfill the need for affordable and timely professional support to
individuals and organizations in development sector, with specific focus on livelihoods.
In my professional consulting work, I handled major projects and assignments for many organizations
including UNDP-UNOPS Myanmar, WFP India, CGAP USA, IFRC Geneva, GTZ Afghanistan, War Child
Canada - Afghanistan, Grameen Foundation USA, MISFA Afghanistan, Imp-Act Consortium, EDA India,
M-CRIL India, MicroSave, ACF Afghanistan and Oxfam GB Afghanistan (see Annexure for assignments).
EDUCATION M.B. A., Rural Management, Institute of Rural Management Anand, India, 1990.
Bachelor of Engineering, Vasavi College of Engineering, Osmania University,
Hyderabad, India 1988.
COUNTRY EXPERIENCE
India, Afghanistan, Myanmar, Bangladesh, Philippines, Indonesia, Ghana, Rwanda
CV of LB Prakash Page 2
SOME RECENT ASSIGNMENTS ON IMPACT AND EVALUATION: 2007-11
(more mentioned in Annexure)
2010-11 GTZ – Afghanistan: Tracer Study to assess the effectiveness of the training
interventions, implemented by GTZ NaWi and GFA
2010 ACF – Afghanistan: End of Project Evaluation - Water, Sanitation and Health
(WASH) Project, funded by ECHO
2009 Chaitanya, India: External Evaluation of the Chirag Project
2009 India HIV/AIDS Alliance: Andhra Pradesh: Team Leader for Performance
Evaluation of Community Committees in project districts.
2007 International Federation of Red Cross and Red Crescent Societies, Geneva (IFRC):
Feasibility study on micro-credit as a component of Red Cross Red Crescent
Programming in Africa
KEY COMPETENCIES AND ATTRIBUTES
Managing Institutions and Projects: Proven expertise in promoting and/or managing institutions and
projects, providing strategic direction and managing operations including budgeting and fiduciary oversight,
dealing with boards – effective coordination including timely reporting, donor coordination and reporting,
working with government and partners, network with international institutions.
Microfinance, SME and Livelihoods: Implementation and in-depth understanding of various microfinance
and SME methodologies, Credit Rating and Social Rating, Social Performance Management, market
research, product development, livelihood analysis, value-chains and subsectors. Manage a revolving loan
fund to meet investment and working capital needs of cooperatives.
Agricultural Finance and Value Chains: Supported agriculture credit cooperatives to transact efficiently
and facilitated their profitable transformation into processing and marketing cooperatives, using contract
farming with over 30,000 farmers. Experience in organic farming, free trade and financial product
development.
Risk Management: Well versed in Process Mapping with focus on improving efficiencies and reducing risk,
develop and define the procedure to be adapted for risk assessment according to the nature of the process,
Monitor the functioning, output and variations if any, of different processes to assess the least expected, yet
potentially harmful risk factors, create committees and appoint members for the committees involved in
investigation of fraudulent practices of the employees and customers – potential and existing, study about
the background of different clients, recruit and instruct risk management staff for different departments
including legal, operational, financial, etc., based on risks identified and suggest investment schemes to the
finance department by conducting detailed analysis of short term and long term investment schemes in the
market
Capacity Building: Develop / Redesign training toolkits and delivered trainings in India, Afghanistan,
Bangladesh, Indonesia, Philippines and Ghana including:
 Afghanistan and Bangladesh: Develop Basic Microfinance Course Training Module for AIBF, SME
lending for BRAC Bank staff, Delivered CGAP Micro Finance trainings to senior MFI staff in
Bangladesh and Afghanistan
 MicroSave, India: Developed/revised and delivered toolkits on Social Performance Management,
Internal Audit and Controls, Risk Management, Delinquency Management, MIS, Governance, Financial
Management, Basic Accounting for rural MFIs.
 Delivered trainings at Applied Microfinance Institute (AMI) India, AMI West Africa, AMIDA Indonesia
and to MISFA partners in Afghanistan and other retail courses in India.
CV of LB Prakash Page 3
WORK EXPERIENCE
Aug 2012 – April 2016: Banking Capacity Team Leader
Mar 2011 – Aug 2012: Sector Capacity Building Team Leader, Financial Access for Investing in the
Development of Afghanistan (FAIDA) Project, Connexus (formerly AZMJ)/USAID,
Afghanistan - US$ 100mn + project
Major Responsibilities Selected Results
 Enhance the capacity of
financial system support
institutions and market
infrastructure viz.,
Afghanistan Banks
Association,
Microfinance Investment
Support Facility for
Afghanistan,
Afghanistan
Microfinance
Association, Afghanistan
Institute of Banking and
Finance and Central
Bank of Afghanistan
with interventions to
build human resource
and organizational
capacity.
 Institutional
development support to
MISFA, the apex agency
for microfinance in
Afghanistan and
Afghanistan Institute of
Banking and Finance
(AIBF).

 Revitalize Afghanistan
Development Finance
Association (ADFA –
formerly Afghanistan
Microfinance
Association) and
Afghanistan Banks
Association (ABA).

 Support other financial
sector institutions such
as American University
of Afghanistan (AUAF),
Afghanistan Credit
Support Program
(ACSP), and
Afghanistan Rural
Finance Company
(ARFC).

 Support MFIs and Banks
in increasing their
outreach and offer client-
oriented loan and
savings products.
 Project level
o FAIDA start-up phase team member
o Developed Institutional Assessment tool and methodology and assess key strategic
interventions for support through FAIDA project
o Manage partnerships with financial sector organizations
 Afghanistan Bank Association (ABA)
o Strategic Plan: 2012-15 Plan – resulting in USAID grant
o Program Director: Afghanistan’s Inaugural and 2nd
Access to Finance Exhibitions
o Communications Strategy and Branding; facilitate implementation
o Road map for Strengthening Corporate Governance in Afghan banks
o Corporate Governance Score Card for Afghan Banks
o Promote SME lending in Afghan banks
 Afghanistan Institute of Banking and Finance (AIBF)
o Institutional Assessment and Strategic Plan, with 5 year financial projections –
resulting in financial grant from World Bank and USAID
o Creation of a Distance Learning Program with seven diploma offerings, Afghan
Women Internship Program, and microfinance department
o Curriculum for Microfinance training – developed four Certificate Courses
o Capacity building of AIBF trainers, to enhance training effectiveness
 Afghanistan Microfinance Association (AMA)
o Transform AMA – develop new statutes, broaden membership base, regional
focus, institutional systems, policies and processes
o Institutional Assessment and Strategic Plan – resulting in USAID grant
o Initiate knowledge management, communications and advocacy activities
o Promote Community-based Savings Promoting Institutions Forum
o Training Needs Assessments of Afghanistan Microfinance Sector
o First Salary Survey of Afghanistan’s Development Finance Sector
o Develop Communications Strategy and Branding; facilitate implementation
o Promote agriculture finance among AMA member microfinance institutions
 Microfinance Investment Support Facility for Afghanistan (MISFA)
o Collaborate on sector coordination and strengthening for
 Drafting the Deposit-taking Microfinance Institutions Regulation – adopted by
Central Bank;
 Providing role clarity between MISFA and organizations set up to support the
Afghanistan financial sector viz., AMA and AIBF; and
 Initiating the transfer of identified functions from MISFA to AMA.
o Facilitate MISFA Strategic Plan: 2013-15
o Coordinate staff capacity building of Technical Support, Monitoring &
Supervision teams
o Support in improving Partner MIS and Performance Monitoring
 OXUS Microfinance Institution
o Institutional Assessment of OXUS, a MISFA partner
o Grant to OXUS resulting in leveraging capital from MISFA, increased
microfinance and SME client outreach (and therefore job creation), increased
profitability - achieving breakeven (100% OSS) in March 2013
o 3,000 plus jobs created/sustained because of the grants as of December 2015
 Islamic Investment and Finance Cooperatives (IIFC) Group
o Advisory Services to IIFC Group and its member IIFCs to make them profitable
and strong – IIFC Group and 22 of 29 IIFCs profitable as of June 2013.
o Financial Performance Review, Business Plan Modelling of IIFCs
o Develop Communications Strategy
CV of LB Prakash Page 4
Nov 08 – Mar 11 Consultant / Technical Advisor, MISFA Afghanistan
Major Responsibilities Selected Results
 Manage Mofad, an MFI
promoted by CARE -
Afghanistan
 Facilitate consolidation of
the Microfinance sector
 Support MISFA in
enhancing the performance
of microfinance sector in
Afghanistan through
provision of appropriate
capacity building and
technical backstopping.
 Support MISFA and its
partner MFIs in developing
Performance Standards for
Development Financial
Institutions in Afghanistan,
mentor MFIs, and conduct
Institutional Assessments.
 Mofad, Afghanistan
o Improved Systems and Processes
o Enhanced Internal Controls
o New Loan Portfolio Management Information System
o Delinquency Management (70%+ of PAR30>75% loan portfolio
collected during Dec 09–Mar 11; PAR30 of new loans < 3%)
 MADRAC, Afghanistan
o Improved MIS and Business Planning
o Improved Operational Processes and Delinquency Management
 Institutional Assessments of partner MFIs
o Institutional assessments of MFIs performance and assess their future
potential, enabling MISFA to make partnerships decisions
 Performance Standards for microfinance sector
o Designed 22 performance standards, which are followed by MISFA’s
partner MFIs. Performance Standards include standards on Corporate
Governance, Capitalization, Financial Management, Credit Policies &
Procedures and Credit Risk Management, and Internal Controls.
 Sector Consolidation
o Strategy for consolidation of non-performing MFIs and initial
coordination of the consolidation process.
Apr 07 – Apr 09 Consultant / Coordinator – South India, MicroSave
Major Responsibilities Selected Results
 Develop and manage the
South India team for
identifying, nurturing and
developing Action
Research Partners through
provision of appropriate
capacity building and
technical backstopping.
 Part of the Senior
Management Team
 Develop Products and
Services to establish
MicroSave as a major
microfinance technical
assistance provider in India.
 Lead the team in providing
institutional support to
Arohan, based in Kolkata,
India (Jan – Dec 2008)
 Lead the team in Product
Development and Pilot
Testing of Individual Loans
 Created benchmarks for Quality Output in MicroSave
 Designed the Social Performance Management Framework for
MicroSave to offer to its clients
 Developed Toolkits on:
o Social Performance Management
o Management Information System
o Delinquency Management
 Redesigned Internal Audit & Controls Toolkit
 Supported the development of – Accounting, Financial Management
and Governance Toolkits
 Delivered trainings on various Toolkits in India, Indonesia,
Afghanistan, Ghana
 Lead the team in developing video films on the various processes in the
Joint Liability Group, Individual Lending and SHG methodologies and
played a key role in the development of MFI Out Of A Box – a set of
organizational processes and manuals for MFIs.
 Provided technical support to Arohan, Kolkata
o Arohan grew from 30,000 + clients to 100,000 clients during the year
o Reviewed the Bazaar Loan Product and revised the delivery processes
o Redesigned the Process Monitoring and Internal Audit Systems
o Arohan received “RBS-Planet Finance 2008 Microfinance Process
Excellence Award” and Srijan “2009 Client-centric Product/Service
by a MFI Award”
 Led the Loan Portfolio Audits of MFIs
 Conducted and/or lead the team in Market Research, Product Design,
Piloting, Pilot Review, Process Mapping, Manuals Development for
partners
CV of LB Prakash Page 5
Aug 05 – Jun 07 Consultant – Team Leader, EDA Rural Systems and M-CRIL
Major Responsibilities Selected Results
 Team Leader for Research
Team
 Manage the Microfinance
project implementation for
UNDP-UNOPS in
Myanmar based on
Grameen methodology
(Aug 05 – Apr 06)
 Re-defined the Social Rating Methodology and Tool and conducted
Social Rating of MFIs
 Conducted desk-based Social Rating of four MFIs - CRECER and
ProMujer Bolivia, Fonkoze Haiti and SEF South Africa
 Conducted pilots for Poverty Audit, SPM Audit, Progress out of
Poverty Indicators (PPI)
 Lead market research for SKS for better client outreach – SKS has
increased client reach significantly since then
 Delivered CGAP trainings in Bangladesh and Afghanistan
 Conducted Credit Rating and initiated revision of M-CRIL Credit
Rating Tool.
 Supported MISFA, Afghanistan
o Reviewed feasibility of Business Plans
o Conducted Institutional Assessments of Partners
o Facilitated development of Business Plans
o Developed Partner Management Information Systems
 Implement microfinance project in Myanmar
o Enhanced local staff capacities
o Expanded Operations: from 11 branches to 20 branches, from 20,000
clients to 40,000 clients
o Improved MIS and Internal Systems
May 02 – Feb 05 Vice President, APMAS, Hyderabad (India)
Major Responsibilities Selected Results
 Perform the functions of
a Chief Operating
Officer
 Lead the Quality
Assessment Team
 APMAS recognised nationally as a Resource Centre for SHGs and SHG
Federations
 Designed the Governance structure and Articles
 Developed systems – management, financial and internal control – for
APMAS to function as an effective and efficient institution.
 Led Institutional Quality Assessment (including credit rating) initiatives.
Developed Assessment methodologies – GRADES, to rate SHG
Federations (and SHGs) and CoopRATE, to rate Thrift Cooperatives and
RapidRATE, for a rapid rating of SHG Federations.
 Team Leader for the rating team of more than 200 ratings of SHG
Federations in India including those promoted by the World Bank funded
Poverty Alleviation Program in AP.
 Team Leader for the CGAP of study ‘Financial Analysis of SHGs in India:
Value for money?’
Jul 01 – May 02 Team Leader (CEO), Technical Resource Unit-AP (TRU-AP), Hyderabad
Major Responsibilities Selected Results
 Set-up the institution,
systems, processes
 Develop Partnership
Manual, and enter into
partnership agreements
with implementing
partners
 Develop and Implement
Technical Support and
Monitoring Systems
 Manage 100+ rural and urban NGO partnerships of the Andhra Pradesh
State AIDS Control Society (APSACS) in implementing Targeted
Interventions for prevention and control of HIV/AIDS.
 Ensure timely monitoring of the implementation, and release of funds and
condoms from the Government.
 Negotiate the partnership contracts and recommend new contracts to the
APSACS
 Complete the long pending enquiries against implementing partners to
enable decision on partnership.
 Initiate the Pilot of Female Condoms in India and lead the development of
BCC material for sex-workers
 Develop systems – management, financial and internal control – for TRU-
AP to function as an effective and efficient institution.
 Start the Office and develop systems and processes including Partnership
Manual.
CV of LB Prakash Page 6
Nov 98 – Jul 01 Program Support Head, CARE (based in Hyderabad, India)
Major Responsibilities Selected Results
 Manage the Program
Support functions -
Finance, Administration,
Human Resources and
Information Systems
 Part of the Senior
Management Team at the
State Office
 Managed the Program support functions efficiently. Coordinated the
networking of computers and improved the computer usage ability among
staff through training.
 Played a key role in revising the Finance Manual and HR Policies of
CARE in India, and in developing a Partnership Manual.
 Operationalized STEP, the Sustainable Tribal Empowerment Program
funded by European Commission and CASHE, micro finance program
funded by DFID.
 Developed systems – management, financial and internal control – for
improved functioning. Improve fund usage and financial accountability of
partner NGOs through periodical financial review against program
achievements.
 Managed relief procurements during the Orissa Super Cyclone and
Gujarat Earth Quake – Andhra Pradesh was the first state office to
provide support in both Orissa and Gujarat.
 Managed the Oil Monetisation (converting oil into money through sale)
activity in Andhra Pradesh – the first time a State Office was asked to
manage the activity, and the state Office got a better price as compared to
CARE India Head Quarters.
May 90 – Oct 98 Senior Manager, CDF, Hyderabad, India
Major Responsibilities Selected Results
 Work in various
capacities (joined as
Development Officer
in 1990 and last office
held was that of Senior
Manager).
 Perform the
responsibilities of a
COO since 1994.
 Responsible for overall implementation of the paddy value chain project of
CDF and the software part in the microfinance program initiated in June
1990 (40,000 women and 20,000 men) and agriculture farmers’
cooperatives.
 Managed the revolving loan fund, with no delinquency and create a 2.5%
Reserve fund which was the primary income source for CDF.
 Worked with agricultural credit cooperatives in improving financial
performance and service delivery to members, trainings to Board members
and staff, internal audit and member education
 Responsible for promoting best practices in over 100 thrift cooperatives
promoted by CDF, in addition to systems setting and product development.
 Played a key role in promoting thrift cooperatives as member-based, viable,
sustainable and replicable organisations. Led research and training initiatives
for propagating the thrift cooperative methodology.
 CDF used the performance of the cooperatives to advocate for changing the
Cooperative Act and succeeded in getting the land mark parallel Cooperative
Act – the APMACS Act, 1995.
 Led the operationalization and propagation of the parallel Cooperative Act
ILLUSTRATIVE PUBLICATIONS: since 2007
 Delinquency in Self Help Groups – co-author of MicroSave’s India Focus Note
 Chapter on SHG Performance in The Bharat Microfinance Report: Side by Side 2008 - Sa-Dhan
publication
 Financial Analysis of SHGs in India: Value for Money? – co-author & coordinator of CGAP study
 Future of Indian Microfinance – published in Sa-Dhan’s news letter
 SHG Federations – a Discussion Paper – co-author, published by Sa-Dhan
 Scaling up issues in SMFIs – published in Sa-Dhan’s news letter
 Technical-cum-user manual for using the SHG Performance (Rating) Tool developed by Sa-Dhan
CV of LB Prakash Page 7
OTHER EXPERIENCE
(a) Founder-Director of Hindusthan Microfinance Pvt Ltd, Mumbai, India, an urban MFI with a client
base of about 10,000 clients and a loan portfolio outstanding of about INR 60 million.
(b) Founder-Secretary of Akshara, India an organization focused on livelihoods. Key activities include:
 Visioning, Strategic Planning and Institutional Design/Building for Development Organizations
 Project Assessment Support in assessing pre-project situation, feasibility/viability, processes, systems, legal
structures/architecture, progress, results and impact, indicators, management information, social return on
investment (SROI) etc.
 Livelihoods Analysis/Scoping Support through LEAPs, Value-chains, Subsectors and Livelihoods/Farming
Systems understanding.
 Learning Support - competency/need assessment, modules, training of trainers, induction, skill-building,
dissemination etc.
(c) Advisory Board member to GMSS, Rajguru nagar, Maharashtra, India – an SHG Federation with
over 25,000 members.
(d) Advisory Services (1998 – 2002) to 100,000+ Lok Satta movement, working for Governance Reforms in
India. Areas of support include: Visioning, Proposal Development, Independent Monitoring &
Evaluation Support, Induction and Training
OTHER INFORMATION
(a) was Member of the Credit Committee of MISFA, which reviews, approves and monitors financial
assistance from MISFA to partner MFIs
(b) was Coordinating the Working Group and Steering Committee on MISFA Partner MFI Transition
(c) was Member of Working Groups on:
i. on Standards for SHGs – formed by Sa-Dhan, a national microfinance association in India
ii. Guidelines for Financing SHG Federations/ MACS/mFIs in AP – formed by NABARD (National
Bank for Agriculture and Rural Development) in Andhra Pradesh, India
Banking (some key consulting assignments):
2003-05: NABARD (National Bank for Agriculture and Rural Development), India: Member of Working
Group on Guidelines for Financing SHG Federations/ MACS/mFIs in Andhra Pradesh – formed by
2008: Bandhan, India (which has since become a bank in 2015): Lead the team in developing the Process
Monitoring methodology, conduct Loan Portfolio Audit, development of Process Maps
2009: Basix, India: Designing the study tools for the Agricultural Debt Waiver and Debt Relief Scheme
(ADWDRS) Study being conducted by Basix for GTZ.
2012-14: USAID/Afghanistan FAIDA: Customized support to financial institutions in Afghanistan – banks
and microfinance institutions: Afghanistan International Bank, The First MicroFinance Bank Afghanistan,
FINCA and OXUS to strengthen their SME lending, raise funds and expand outreach, and IIFC Group to
improve its operations, management information systems and profitability;
o Supported Afghanistan International Bank primarily to re-engineer the bank’s retail banking activity,
including the development and launch of risk asset-based products and services for the small medium
enterprise (SME) markets in Afghanistan. FAIDA’s support also included
 conducting a feasibility study on SMEs Banking operations in Afghanistan and recommendations on how to
penetrate the market and what products to offer to the market
 developing a two-year marketing plan to promote the consumer banking products to existing and potential
clients, and, develop sales team organizational structure and operational procedures in coordination with
AIB’s Consumer Banking Team
 developing AIB’s Sharia-compliant operations, products, services and manuals ,and, obtaining Islamic Banking
Operating Window license.
o Analyzed The First MicroFinance Bank Afghanistan's market position, ascertained the level of
preparation for SME lending at the desired scale, and created a strategy laying out the concrete steps
required to move from where they are to where they needed to be in terms of their processes,
products, organization structure, marketing, training and product support.
CV of LB Prakash Page 8
o Supported Islamic Investment and Finance Cooperatives Group, Afghanistan's senior management to
deliver effective operational and program oversight during Nov 2012 to Nov 2013
 Number of profitable IIFC outlets increased from 11 (with operational grants) to 22 (without operational
grants) out of 31 IIFC outlets;
 Grew the number of IIFC members (clients) by 18%; from 92,135 to 108,718.
 Grew the number of IIFC borrowers by 8%; from 21,468 to 23,213.
 Expanded loan portfolio by 26%; from $19 million to $24.2 million.
 Improved fund utilization - portfolio to total assets increased from 73% to 83%.
 Cumulative OSS of IIFCs increased from 82% to 121%;
 Reduced risk and increased profitability across the IIFCs by standardizing and streamlining operations, loan
applications, and applicant appraisal system.
 Enhanced implementation of internal controls through the development of an internal audit system and
trained the internal audit department staff for systematic and periodic internal audits.
 Improved portfolio quality, reduced cumulative portfolio at risk (PAR 30) from 11% to 5.2%.
o 2014-15: USAID/Ghana FinGAP (through Connexus, USA): New Agricultural Finance Product
Development Support to Partner Financial Institution (PFIs)
 Provided short-term technical assistance to design and deliver two successful trainings on “Agricultural
Finance Product Development” to 37 partner financial institutions in Accra and Tamale, which received high
ratings by participants and contributed to the expansion of agricultural loans in northern Ghana.
 Customized technical assistance support programs to design financial products and delivery mechanisms
with the aim of expanding access to finance for the targeted value chains of rice, maize and soy in northern
Ghana - for two partner financial institutions (PFIs) of FINGAP Ghana - Fidelity Bank, Accra and First Allied,
Kumasi; Provided customized technical assistance support programs to create agri-financial products with
the aim of expanding access to finance for the targeted value chains of rice, maize and soy in northern
Ghana;
o July – August 2016: USAID/Rwanda (through Connexus, USA): New Agricultural Finance Product
Development Support to Partner Financial Institution
 Provided short-term technical assistance to design and deliver a training on “Agricultural Finance Product
Development” to financial institutions in Kigali.

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081816 CV of LB Prakash

  • 1. LB Prakash 19 Sai Enclave, Road # 12, Banjara Hills, Hyderabad, 500 034, India Phone : +91 99-899-11-414 Email : prakash.lb@gmail.com, WhatsApp / Viber : +91 99899 11414 Skype: lbprakash An international development specialist with over 25 years of experience in agriculture finance and financial services – rural finance and SME finance and development in South Asia. Been working in Afghanistan since 2005. During March 2011-April 2016, was working with USAID’s “Financial Access for Investing in the Development of Afghanistan” (“FAIDA”) project. Some of the key strategic areas where I have rendered my expertise including capacity building and mentoring, policy advocacy and governance reforms, organizational development and management, institutional assessments and program evaluations, are, contract farming (especially with agriculture processing and marketing cooperatives), financial review, institution building and governance of the cooperatives,. I worked over 15 years in India with agricultural credit cooperatives, self-help groups and their federations involved in empowering women and enhancing access to finance – savings and credit, agriculture produce collection and collective marketing cooperatives promoted by the World Bank funder Velugu project in Andhra Pradesh, India. I have also organized cooperatives of cotton and organic cotton cooperatives in Andhra Pradesh and linked them banks to access finance for meeting investment and working capital needs. I also led the contract farming initiatives through farmers’ processing and marketing cooperatives in select districts of Andhra Pradesh, India (over 30,000 farmers), facilitated in direct marketing of produce (rice) to customers, linked cooperatives to wholesalers/suppliers of farm inputs – fertilizers, pesticides, farm implements, mentor the Board and staff of farmers’ cooperatives, through Institutional Building Services. I also have expertise in developing and designing training curriculums, manuals and modules. Important training undergone includes training on ToT Methodologies, Individual Lending Methodologies, Market Research for Microfinance and Process Mapping. Also undergone the training “Making Markets Work for Business Growth and Income” (M4P training) conducted by Springfield Centre, UK at Glasgow, UK. I am an expert in organizational development and management, local staff capacity development, community organizations and cooperative promotion. I facilitated many national and international training, workshops, seminars and other events, and have expertise in developing and designing training curriculums, manuals and modules. Recently, I was also involved in Ghana in design and deliver of two successful trainings on “Agricultural Finance Product Development” to 37 partner financial institutions, which received high ratings by participants and contributed to the expansion of agricultural loans in northern Ghana followed by providing customized technical assistance support programs to design financial products and delivery mechanisms to expand access to finance for the targeted value chains of rice, maize and soy in northern Ghana, I facilitated many national and international training, workshops, seminars and other events. As part of my action research on urban microfinance, I co-promoted Hindusthan Microfinance Pvt Ltd, an urban MFI in Mumbai, India. I am also the founder Secretary of Akshara, an organization based in Hyderabad, India and initiated in 1998, to fulfill the need for affordable and timely professional support to individuals and organizations in development sector, with specific focus on livelihoods. In my professional consulting work, I handled major projects and assignments for many organizations including UNDP-UNOPS Myanmar, WFP India, CGAP USA, IFRC Geneva, GTZ Afghanistan, War Child Canada - Afghanistan, Grameen Foundation USA, MISFA Afghanistan, Imp-Act Consortium, EDA India, M-CRIL India, MicroSave, ACF Afghanistan and Oxfam GB Afghanistan (see Annexure for assignments). EDUCATION M.B. A., Rural Management, Institute of Rural Management Anand, India, 1990. Bachelor of Engineering, Vasavi College of Engineering, Osmania University, Hyderabad, India 1988. COUNTRY EXPERIENCE India, Afghanistan, Myanmar, Bangladesh, Philippines, Indonesia, Ghana, Rwanda
  • 2. CV of LB Prakash Page 2 SOME RECENT ASSIGNMENTS ON IMPACT AND EVALUATION: 2007-11 (more mentioned in Annexure) 2010-11 GTZ – Afghanistan: Tracer Study to assess the effectiveness of the training interventions, implemented by GTZ NaWi and GFA 2010 ACF – Afghanistan: End of Project Evaluation - Water, Sanitation and Health (WASH) Project, funded by ECHO 2009 Chaitanya, India: External Evaluation of the Chirag Project 2009 India HIV/AIDS Alliance: Andhra Pradesh: Team Leader for Performance Evaluation of Community Committees in project districts. 2007 International Federation of Red Cross and Red Crescent Societies, Geneva (IFRC): Feasibility study on micro-credit as a component of Red Cross Red Crescent Programming in Africa KEY COMPETENCIES AND ATTRIBUTES Managing Institutions and Projects: Proven expertise in promoting and/or managing institutions and projects, providing strategic direction and managing operations including budgeting and fiduciary oversight, dealing with boards – effective coordination including timely reporting, donor coordination and reporting, working with government and partners, network with international institutions. Microfinance, SME and Livelihoods: Implementation and in-depth understanding of various microfinance and SME methodologies, Credit Rating and Social Rating, Social Performance Management, market research, product development, livelihood analysis, value-chains and subsectors. Manage a revolving loan fund to meet investment and working capital needs of cooperatives. Agricultural Finance and Value Chains: Supported agriculture credit cooperatives to transact efficiently and facilitated their profitable transformation into processing and marketing cooperatives, using contract farming with over 30,000 farmers. Experience in organic farming, free trade and financial product development. Risk Management: Well versed in Process Mapping with focus on improving efficiencies and reducing risk, develop and define the procedure to be adapted for risk assessment according to the nature of the process, Monitor the functioning, output and variations if any, of different processes to assess the least expected, yet potentially harmful risk factors, create committees and appoint members for the committees involved in investigation of fraudulent practices of the employees and customers – potential and existing, study about the background of different clients, recruit and instruct risk management staff for different departments including legal, operational, financial, etc., based on risks identified and suggest investment schemes to the finance department by conducting detailed analysis of short term and long term investment schemes in the market Capacity Building: Develop / Redesign training toolkits and delivered trainings in India, Afghanistan, Bangladesh, Indonesia, Philippines and Ghana including:  Afghanistan and Bangladesh: Develop Basic Microfinance Course Training Module for AIBF, SME lending for BRAC Bank staff, Delivered CGAP Micro Finance trainings to senior MFI staff in Bangladesh and Afghanistan  MicroSave, India: Developed/revised and delivered toolkits on Social Performance Management, Internal Audit and Controls, Risk Management, Delinquency Management, MIS, Governance, Financial Management, Basic Accounting for rural MFIs.  Delivered trainings at Applied Microfinance Institute (AMI) India, AMI West Africa, AMIDA Indonesia and to MISFA partners in Afghanistan and other retail courses in India.
  • 3. CV of LB Prakash Page 3 WORK EXPERIENCE Aug 2012 – April 2016: Banking Capacity Team Leader Mar 2011 – Aug 2012: Sector Capacity Building Team Leader, Financial Access for Investing in the Development of Afghanistan (FAIDA) Project, Connexus (formerly AZMJ)/USAID, Afghanistan - US$ 100mn + project Major Responsibilities Selected Results  Enhance the capacity of financial system support institutions and market infrastructure viz., Afghanistan Banks Association, Microfinance Investment Support Facility for Afghanistan, Afghanistan Microfinance Association, Afghanistan Institute of Banking and Finance and Central Bank of Afghanistan with interventions to build human resource and organizational capacity.  Institutional development support to MISFA, the apex agency for microfinance in Afghanistan and Afghanistan Institute of Banking and Finance (AIBF).   Revitalize Afghanistan Development Finance Association (ADFA – formerly Afghanistan Microfinance Association) and Afghanistan Banks Association (ABA).   Support other financial sector institutions such as American University of Afghanistan (AUAF), Afghanistan Credit Support Program (ACSP), and Afghanistan Rural Finance Company (ARFC).   Support MFIs and Banks in increasing their outreach and offer client- oriented loan and savings products.  Project level o FAIDA start-up phase team member o Developed Institutional Assessment tool and methodology and assess key strategic interventions for support through FAIDA project o Manage partnerships with financial sector organizations  Afghanistan Bank Association (ABA) o Strategic Plan: 2012-15 Plan – resulting in USAID grant o Program Director: Afghanistan’s Inaugural and 2nd Access to Finance Exhibitions o Communications Strategy and Branding; facilitate implementation o Road map for Strengthening Corporate Governance in Afghan banks o Corporate Governance Score Card for Afghan Banks o Promote SME lending in Afghan banks  Afghanistan Institute of Banking and Finance (AIBF) o Institutional Assessment and Strategic Plan, with 5 year financial projections – resulting in financial grant from World Bank and USAID o Creation of a Distance Learning Program with seven diploma offerings, Afghan Women Internship Program, and microfinance department o Curriculum for Microfinance training – developed four Certificate Courses o Capacity building of AIBF trainers, to enhance training effectiveness  Afghanistan Microfinance Association (AMA) o Transform AMA – develop new statutes, broaden membership base, regional focus, institutional systems, policies and processes o Institutional Assessment and Strategic Plan – resulting in USAID grant o Initiate knowledge management, communications and advocacy activities o Promote Community-based Savings Promoting Institutions Forum o Training Needs Assessments of Afghanistan Microfinance Sector o First Salary Survey of Afghanistan’s Development Finance Sector o Develop Communications Strategy and Branding; facilitate implementation o Promote agriculture finance among AMA member microfinance institutions  Microfinance Investment Support Facility for Afghanistan (MISFA) o Collaborate on sector coordination and strengthening for  Drafting the Deposit-taking Microfinance Institutions Regulation – adopted by Central Bank;  Providing role clarity between MISFA and organizations set up to support the Afghanistan financial sector viz., AMA and AIBF; and  Initiating the transfer of identified functions from MISFA to AMA. o Facilitate MISFA Strategic Plan: 2013-15 o Coordinate staff capacity building of Technical Support, Monitoring & Supervision teams o Support in improving Partner MIS and Performance Monitoring  OXUS Microfinance Institution o Institutional Assessment of OXUS, a MISFA partner o Grant to OXUS resulting in leveraging capital from MISFA, increased microfinance and SME client outreach (and therefore job creation), increased profitability - achieving breakeven (100% OSS) in March 2013 o 3,000 plus jobs created/sustained because of the grants as of December 2015  Islamic Investment and Finance Cooperatives (IIFC) Group o Advisory Services to IIFC Group and its member IIFCs to make them profitable and strong – IIFC Group and 22 of 29 IIFCs profitable as of June 2013. o Financial Performance Review, Business Plan Modelling of IIFCs o Develop Communications Strategy
  • 4. CV of LB Prakash Page 4 Nov 08 – Mar 11 Consultant / Technical Advisor, MISFA Afghanistan Major Responsibilities Selected Results  Manage Mofad, an MFI promoted by CARE - Afghanistan  Facilitate consolidation of the Microfinance sector  Support MISFA in enhancing the performance of microfinance sector in Afghanistan through provision of appropriate capacity building and technical backstopping.  Support MISFA and its partner MFIs in developing Performance Standards for Development Financial Institutions in Afghanistan, mentor MFIs, and conduct Institutional Assessments.  Mofad, Afghanistan o Improved Systems and Processes o Enhanced Internal Controls o New Loan Portfolio Management Information System o Delinquency Management (70%+ of PAR30>75% loan portfolio collected during Dec 09–Mar 11; PAR30 of new loans < 3%)  MADRAC, Afghanistan o Improved MIS and Business Planning o Improved Operational Processes and Delinquency Management  Institutional Assessments of partner MFIs o Institutional assessments of MFIs performance and assess their future potential, enabling MISFA to make partnerships decisions  Performance Standards for microfinance sector o Designed 22 performance standards, which are followed by MISFA’s partner MFIs. Performance Standards include standards on Corporate Governance, Capitalization, Financial Management, Credit Policies & Procedures and Credit Risk Management, and Internal Controls.  Sector Consolidation o Strategy for consolidation of non-performing MFIs and initial coordination of the consolidation process. Apr 07 – Apr 09 Consultant / Coordinator – South India, MicroSave Major Responsibilities Selected Results  Develop and manage the South India team for identifying, nurturing and developing Action Research Partners through provision of appropriate capacity building and technical backstopping.  Part of the Senior Management Team  Develop Products and Services to establish MicroSave as a major microfinance technical assistance provider in India.  Lead the team in providing institutional support to Arohan, based in Kolkata, India (Jan – Dec 2008)  Lead the team in Product Development and Pilot Testing of Individual Loans  Created benchmarks for Quality Output in MicroSave  Designed the Social Performance Management Framework for MicroSave to offer to its clients  Developed Toolkits on: o Social Performance Management o Management Information System o Delinquency Management  Redesigned Internal Audit & Controls Toolkit  Supported the development of – Accounting, Financial Management and Governance Toolkits  Delivered trainings on various Toolkits in India, Indonesia, Afghanistan, Ghana  Lead the team in developing video films on the various processes in the Joint Liability Group, Individual Lending and SHG methodologies and played a key role in the development of MFI Out Of A Box – a set of organizational processes and manuals for MFIs.  Provided technical support to Arohan, Kolkata o Arohan grew from 30,000 + clients to 100,000 clients during the year o Reviewed the Bazaar Loan Product and revised the delivery processes o Redesigned the Process Monitoring and Internal Audit Systems o Arohan received “RBS-Planet Finance 2008 Microfinance Process Excellence Award” and Srijan “2009 Client-centric Product/Service by a MFI Award”  Led the Loan Portfolio Audits of MFIs  Conducted and/or lead the team in Market Research, Product Design, Piloting, Pilot Review, Process Mapping, Manuals Development for partners
  • 5. CV of LB Prakash Page 5 Aug 05 – Jun 07 Consultant – Team Leader, EDA Rural Systems and M-CRIL Major Responsibilities Selected Results  Team Leader for Research Team  Manage the Microfinance project implementation for UNDP-UNOPS in Myanmar based on Grameen methodology (Aug 05 – Apr 06)  Re-defined the Social Rating Methodology and Tool and conducted Social Rating of MFIs  Conducted desk-based Social Rating of four MFIs - CRECER and ProMujer Bolivia, Fonkoze Haiti and SEF South Africa  Conducted pilots for Poverty Audit, SPM Audit, Progress out of Poverty Indicators (PPI)  Lead market research for SKS for better client outreach – SKS has increased client reach significantly since then  Delivered CGAP trainings in Bangladesh and Afghanistan  Conducted Credit Rating and initiated revision of M-CRIL Credit Rating Tool.  Supported MISFA, Afghanistan o Reviewed feasibility of Business Plans o Conducted Institutional Assessments of Partners o Facilitated development of Business Plans o Developed Partner Management Information Systems  Implement microfinance project in Myanmar o Enhanced local staff capacities o Expanded Operations: from 11 branches to 20 branches, from 20,000 clients to 40,000 clients o Improved MIS and Internal Systems May 02 – Feb 05 Vice President, APMAS, Hyderabad (India) Major Responsibilities Selected Results  Perform the functions of a Chief Operating Officer  Lead the Quality Assessment Team  APMAS recognised nationally as a Resource Centre for SHGs and SHG Federations  Designed the Governance structure and Articles  Developed systems – management, financial and internal control – for APMAS to function as an effective and efficient institution.  Led Institutional Quality Assessment (including credit rating) initiatives. Developed Assessment methodologies – GRADES, to rate SHG Federations (and SHGs) and CoopRATE, to rate Thrift Cooperatives and RapidRATE, for a rapid rating of SHG Federations.  Team Leader for the rating team of more than 200 ratings of SHG Federations in India including those promoted by the World Bank funded Poverty Alleviation Program in AP.  Team Leader for the CGAP of study ‘Financial Analysis of SHGs in India: Value for money?’ Jul 01 – May 02 Team Leader (CEO), Technical Resource Unit-AP (TRU-AP), Hyderabad Major Responsibilities Selected Results  Set-up the institution, systems, processes  Develop Partnership Manual, and enter into partnership agreements with implementing partners  Develop and Implement Technical Support and Monitoring Systems  Manage 100+ rural and urban NGO partnerships of the Andhra Pradesh State AIDS Control Society (APSACS) in implementing Targeted Interventions for prevention and control of HIV/AIDS.  Ensure timely monitoring of the implementation, and release of funds and condoms from the Government.  Negotiate the partnership contracts and recommend new contracts to the APSACS  Complete the long pending enquiries against implementing partners to enable decision on partnership.  Initiate the Pilot of Female Condoms in India and lead the development of BCC material for sex-workers  Develop systems – management, financial and internal control – for TRU- AP to function as an effective and efficient institution.  Start the Office and develop systems and processes including Partnership Manual.
  • 6. CV of LB Prakash Page 6 Nov 98 – Jul 01 Program Support Head, CARE (based in Hyderabad, India) Major Responsibilities Selected Results  Manage the Program Support functions - Finance, Administration, Human Resources and Information Systems  Part of the Senior Management Team at the State Office  Managed the Program support functions efficiently. Coordinated the networking of computers and improved the computer usage ability among staff through training.  Played a key role in revising the Finance Manual and HR Policies of CARE in India, and in developing a Partnership Manual.  Operationalized STEP, the Sustainable Tribal Empowerment Program funded by European Commission and CASHE, micro finance program funded by DFID.  Developed systems – management, financial and internal control – for improved functioning. Improve fund usage and financial accountability of partner NGOs through periodical financial review against program achievements.  Managed relief procurements during the Orissa Super Cyclone and Gujarat Earth Quake – Andhra Pradesh was the first state office to provide support in both Orissa and Gujarat.  Managed the Oil Monetisation (converting oil into money through sale) activity in Andhra Pradesh – the first time a State Office was asked to manage the activity, and the state Office got a better price as compared to CARE India Head Quarters. May 90 – Oct 98 Senior Manager, CDF, Hyderabad, India Major Responsibilities Selected Results  Work in various capacities (joined as Development Officer in 1990 and last office held was that of Senior Manager).  Perform the responsibilities of a COO since 1994.  Responsible for overall implementation of the paddy value chain project of CDF and the software part in the microfinance program initiated in June 1990 (40,000 women and 20,000 men) and agriculture farmers’ cooperatives.  Managed the revolving loan fund, with no delinquency and create a 2.5% Reserve fund which was the primary income source for CDF.  Worked with agricultural credit cooperatives in improving financial performance and service delivery to members, trainings to Board members and staff, internal audit and member education  Responsible for promoting best practices in over 100 thrift cooperatives promoted by CDF, in addition to systems setting and product development.  Played a key role in promoting thrift cooperatives as member-based, viable, sustainable and replicable organisations. Led research and training initiatives for propagating the thrift cooperative methodology.  CDF used the performance of the cooperatives to advocate for changing the Cooperative Act and succeeded in getting the land mark parallel Cooperative Act – the APMACS Act, 1995.  Led the operationalization and propagation of the parallel Cooperative Act ILLUSTRATIVE PUBLICATIONS: since 2007  Delinquency in Self Help Groups – co-author of MicroSave’s India Focus Note  Chapter on SHG Performance in The Bharat Microfinance Report: Side by Side 2008 - Sa-Dhan publication  Financial Analysis of SHGs in India: Value for Money? – co-author & coordinator of CGAP study  Future of Indian Microfinance – published in Sa-Dhan’s news letter  SHG Federations – a Discussion Paper – co-author, published by Sa-Dhan  Scaling up issues in SMFIs – published in Sa-Dhan’s news letter  Technical-cum-user manual for using the SHG Performance (Rating) Tool developed by Sa-Dhan
  • 7. CV of LB Prakash Page 7 OTHER EXPERIENCE (a) Founder-Director of Hindusthan Microfinance Pvt Ltd, Mumbai, India, an urban MFI with a client base of about 10,000 clients and a loan portfolio outstanding of about INR 60 million. (b) Founder-Secretary of Akshara, India an organization focused on livelihoods. Key activities include:  Visioning, Strategic Planning and Institutional Design/Building for Development Organizations  Project Assessment Support in assessing pre-project situation, feasibility/viability, processes, systems, legal structures/architecture, progress, results and impact, indicators, management information, social return on investment (SROI) etc.  Livelihoods Analysis/Scoping Support through LEAPs, Value-chains, Subsectors and Livelihoods/Farming Systems understanding.  Learning Support - competency/need assessment, modules, training of trainers, induction, skill-building, dissemination etc. (c) Advisory Board member to GMSS, Rajguru nagar, Maharashtra, India – an SHG Federation with over 25,000 members. (d) Advisory Services (1998 – 2002) to 100,000+ Lok Satta movement, working for Governance Reforms in India. Areas of support include: Visioning, Proposal Development, Independent Monitoring & Evaluation Support, Induction and Training OTHER INFORMATION (a) was Member of the Credit Committee of MISFA, which reviews, approves and monitors financial assistance from MISFA to partner MFIs (b) was Coordinating the Working Group and Steering Committee on MISFA Partner MFI Transition (c) was Member of Working Groups on: i. on Standards for SHGs – formed by Sa-Dhan, a national microfinance association in India ii. Guidelines for Financing SHG Federations/ MACS/mFIs in AP – formed by NABARD (National Bank for Agriculture and Rural Development) in Andhra Pradesh, India Banking (some key consulting assignments): 2003-05: NABARD (National Bank for Agriculture and Rural Development), India: Member of Working Group on Guidelines for Financing SHG Federations/ MACS/mFIs in Andhra Pradesh – formed by 2008: Bandhan, India (which has since become a bank in 2015): Lead the team in developing the Process Monitoring methodology, conduct Loan Portfolio Audit, development of Process Maps 2009: Basix, India: Designing the study tools for the Agricultural Debt Waiver and Debt Relief Scheme (ADWDRS) Study being conducted by Basix for GTZ. 2012-14: USAID/Afghanistan FAIDA: Customized support to financial institutions in Afghanistan – banks and microfinance institutions: Afghanistan International Bank, The First MicroFinance Bank Afghanistan, FINCA and OXUS to strengthen their SME lending, raise funds and expand outreach, and IIFC Group to improve its operations, management information systems and profitability; o Supported Afghanistan International Bank primarily to re-engineer the bank’s retail banking activity, including the development and launch of risk asset-based products and services for the small medium enterprise (SME) markets in Afghanistan. FAIDA’s support also included  conducting a feasibility study on SMEs Banking operations in Afghanistan and recommendations on how to penetrate the market and what products to offer to the market  developing a two-year marketing plan to promote the consumer banking products to existing and potential clients, and, develop sales team organizational structure and operational procedures in coordination with AIB’s Consumer Banking Team  developing AIB’s Sharia-compliant operations, products, services and manuals ,and, obtaining Islamic Banking Operating Window license. o Analyzed The First MicroFinance Bank Afghanistan's market position, ascertained the level of preparation for SME lending at the desired scale, and created a strategy laying out the concrete steps required to move from where they are to where they needed to be in terms of their processes, products, organization structure, marketing, training and product support.
  • 8. CV of LB Prakash Page 8 o Supported Islamic Investment and Finance Cooperatives Group, Afghanistan's senior management to deliver effective operational and program oversight during Nov 2012 to Nov 2013  Number of profitable IIFC outlets increased from 11 (with operational grants) to 22 (without operational grants) out of 31 IIFC outlets;  Grew the number of IIFC members (clients) by 18%; from 92,135 to 108,718.  Grew the number of IIFC borrowers by 8%; from 21,468 to 23,213.  Expanded loan portfolio by 26%; from $19 million to $24.2 million.  Improved fund utilization - portfolio to total assets increased from 73% to 83%.  Cumulative OSS of IIFCs increased from 82% to 121%;  Reduced risk and increased profitability across the IIFCs by standardizing and streamlining operations, loan applications, and applicant appraisal system.  Enhanced implementation of internal controls through the development of an internal audit system and trained the internal audit department staff for systematic and periodic internal audits.  Improved portfolio quality, reduced cumulative portfolio at risk (PAR 30) from 11% to 5.2%. o 2014-15: USAID/Ghana FinGAP (through Connexus, USA): New Agricultural Finance Product Development Support to Partner Financial Institution (PFIs)  Provided short-term technical assistance to design and deliver two successful trainings on “Agricultural Finance Product Development” to 37 partner financial institutions in Accra and Tamale, which received high ratings by participants and contributed to the expansion of agricultural loans in northern Ghana.  Customized technical assistance support programs to design financial products and delivery mechanisms with the aim of expanding access to finance for the targeted value chains of rice, maize and soy in northern Ghana - for two partner financial institutions (PFIs) of FINGAP Ghana - Fidelity Bank, Accra and First Allied, Kumasi; Provided customized technical assistance support programs to create agri-financial products with the aim of expanding access to finance for the targeted value chains of rice, maize and soy in northern Ghana; o July – August 2016: USAID/Rwanda (through Connexus, USA): New Agricultural Finance Product Development Support to Partner Financial Institution  Provided short-term technical assistance to design and deliver a training on “Agricultural Finance Product Development” to financial institutions in Kigali.