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  1. 1. Tuesday | November 1 Schedule 7:45 – 8:45am Registration and Breakfast Lobby SESSiON FiNANCiAL EDUCATiON FOR FiNANCiAL iNCLUSiON Commomwealth Presented by the Center for Financial Inclusion, Microfinance Opportunities, and the SEEP South Network in partnership with Citi Foundation and The MasterCard Foundation 9 – 10:30am PLENARy iS THERE A KiLLER APP FOR SAviNGS? Commonwealth 10:30 – 11am Break Lobby 11 – 12:30pm WORKSHOPS 12:30 – 1:30pm Lunch Lobby SESSiON MANAGiNG THE RiSKS: LEGAL, REGULATORy AND OPERATiONAL RiSKS Commomwealth RELATED TO MFi ADOPTiON OF MObiLE FiNANCiAL SERviCES South Sponsored by the SEEP Network SESSiON TAKiNG STOCK OF MiCROFiNANCE: PERCEPTiON OF THE iNDUSTRy AMONG DONORS AND iNvESTORS Cavalier Sponsored by Credit Suisse 1:30 – 3pm WORKSHOPS 3 – 3:30pm Break Lobby SESSiON CLiENT PROTECTiON – LiSTENiNG TO THE CLiENT vOiCE Lobby Sponsored by the Smart Campaign 3:30 – 5pm PLENARy STRENGTHENiNG THE ECONOMiC POTENTiAL OF THE bOTTOM biLLiON: Commonwealth NAviGATiNG THE SPACE bETWEEN SOCiAL SAFETy NETS AND MARKETS 5:30 – 9pm Global Marketplace Reception Lobby Sponsored by Counterpart InternationalADDiTiONAL PRivATE SESSiONS:Global Marketplace Roundtable | 11am – 12:30pm and 3 – 4:30pm | Mezzanine 2Media Roundtable on Savings | 10:30am – 12:30pm | Mezzanine 1Enterprise Development Association Roundtable | 12:30 – 1:30pm | Mezzanine 2BreAKfAST SeSSIon and obstacle, respectively, to financial inclusion. But what does this mean for practitioners and policymakers? How do we move fromfinancial education for financial Inclusion perception to action? Microfinance Opportunities, The MasterCard7:45-8:45am | Commonwealth South Foundation, and Genesis Analytics guide us toward some answersPresented by THE CENTER FOR FINANCIAL in their June 2011 Taking Stock: Financial Education Initiatives for theINCLUSION AT ACCION INTERNATIONAL, Poor report, which explores the landscape of financial educationMICROFINANCE OPPORTUNITIES and programs for poor households. Join this breakfast session to learn more about what characterizes successful financial education pro-THE SEEP NETWORk in PartnershiP with grams and why this matters for achieving financial inclusion.CITI FOUNDATION and THE MASTERCARDFOUNDATION Opportunities and Obstacles to Financial inclusion Report What are the greatest opportunities for achieving full financialA recent microfinance industry survey by the Center for Financial inclusion around the world by the year 2020? What is standing inInclusion at ACCION International (CFI) revealed that financial edu- the way? CFI asked these questions to 301 financial services provid-cation and financial literacy are perceived as the top opportunity ers, investors in microfinance, and support organization represen- | 7 | 2011 seep AnnuAl conference
  2. 2. TuESDAy | November 1tatives. The findings are compiled in a report, Opportunities and Monique Cohen, is founder and president of MicrofinanceObstacles to Financial Inclusion. Some of the findings are surprising, Opportunities. With more than 25 years of field experience,while others confirm expectations. Taken together, they provide an Monique Cohen is widely regarded as one of the world’s leadingaction agenda for achieving financial inclusion. Going deeper, the experts on clients and microfinance services. Monique foundedsurvey makes it possible to examine how various segments of the Microfinance Opportunities in 2002 to dive deep into the study offinancial inclusion industry, as well as people working in separate how low-income individuals manage money and risk, and to pro-regions of the globe, see things differently. An important area of vide them with the training and confidence they need to make wiseagreement, however, is that financial education and literacy as are financial decisions. Most recently, Dr. Cohen co-authored “Financialseen as essential to achieving inclusion. Literacy: A step for Clients towards Financial Inclusion” commis- sioned for the 2011 Microcredit Summit and oversaw “Taking StockTaking Stock: Financial Education initiatives for the Poor Financial Education Initiatives for the Poor” funded by the Master-In 2011, Genesis Analytics, Microfinance Opportunities, and The Card Foundation.MasterCard Foundation published Taking Stock: Financial EducationInitiatives for the Poor, a report exploring the landscape of finan- Rewa Shankar Misra joined the MasterCard Foundation incial education programs for poor households. It focuses on three October 2009 as Program Manager, Microfinance. Rewa brings toaspects, namely, enhancing impact, increasing scale, and sustain- the Foundation more than eleven years of experience workinging access. The report summarizes findings from case studies of 12 with agencies such as the ILO, Action Aid, CARE and the Coadydiverse financial education programs. It examines various aspects International Institute. Her main interests are in impact research,of successful financial education programs such as content, audi- policy research/evaluation and organizational development. Rewaence, delivery, scale, costs, and sustainability. The report identifies holds a Master of Philosophy in Sociology from the Delhi School offour prerequisites for the success of financial education programs. Economics, a Certificate in Business Accounting from the CharterThese are quality and frequency of programs, relevance of the Institute of Management Accounting in the Uk, and a Certificateprogram to the target audience, opportunity to apply learning, and in Community-Based Microfinance from the Coady Internationalopportunities for people to apply the new financial behaviors. The includes an appendix with detailed case studies of profiled David baguma , AMFiUprograms and specific lessons learned from each program.SPEAKERSSharon D’Onofrio has been associated with the SEEP Network for PlenAryover 15 years. Prior to becoming executive director this year, Sharon Is There a Killer app for Savings?was lead facilitator in SEEP’s Association Development Communityof Practice providing strategic direction in SEEP’s service to its asso- 9 – 10:30am | Commonwealthciation members and overseeing the creation of a suite of associa- Simultaneous translations in Spanish and Frenchtion development tools. Sharon’s experience in microfinance spans We know the poor save. We know that mobile technology holds23 countries in Latin America, Asia, Eastern Europe, and Africa. great promise for reducing costs and extending outreach toSusy Cheston is senior advisor for the Center for Financial remote areas. However, we have yet to determine whether recentinclusion at ACCiON international and leads the Financial Inclusion technological innovations have been successful in extending2020 campaign. Susy also served as senior vice president for policy savings services to the lowest levels of the economy. Participantsand research for the Opportunity International Network, focusing in this plenary discussion will work together to try to create a killeron client impact assessment, gender issues, integration of AIDS app for savings. Panelists will cover what we have learned so farprograms, environmental linkages, and increasing financial sustain- about the use of technology and how it has been applied to sav-ability. Susy lived in Costa Rica and El Salvador in the early 1990’s, ings and reaching out to the excluded. Then the panelists and thewhere she launched the pilot project of Opportunity’s Women’s audience will work together to design a mobile application thatOpportunity Fund. has the potential for achieving widespread and rapid adoption by people who currently have no access to a savings account.Graham Macmillan is the Senior Program Officer for FinancialInclusion at the Citi Foundation. Citi’s financial inclusion efforts are PANELiSTSfocused on bringing formal banking products and services to the Debbie Dean is the project director of themore than two billion people worldwide that are unbanked. Previ- Microsavings Initiative under the Solutions forously, he managed the Foundation’s Microfinance and Enterprise the Poorest program at the GrameenDevelopment portfolios. Prior to Citi, Graham was Senior Director of Foundation. Prior to joining Grameen,VisionSpring, a social enterprise selling consumer products to pro- Debbie ran her own company, which had amote economic development. Graham is a member of the Execu- social mission of tying livelihoods withtive Committee of the Aspen Network for Development Entrepre- microfinance loans and education scholarshipneurs (ANDE) and the Board of Directors of the Global Syndicate. He programs in Tanzania. Debbie transitioned to heris also a Term Member of the Council on Foreign Relations. career in microfinance after 20 years in the technology industry working with companies like Cisco and IBM.2011 seep AnnuAl conference | 8 |
  3. 3. TuESDAy | November 1 Claudia McKay is a financial sector specialist MODERATOR at CGAP, an independent policy and research Candace Nelson is a writer, trainer, curricu- center dedicated to advancing financial lum designer, researcher, and grants manager. access for the world’s poor. Claudia works As senior technical advisor to Microfinance with the Technology and Business Model Opportunities and its financial education Innovation Program, which works to expand program since 2004, she has written financial services for the poor using mobile multiple curriculum modules including phones and other technologies. Claudia works on Young People: Your Future, Your Money and Riskresearch areas related to large-scale adoption and usage of Management and Insurance: Protect Your Family’sbranchless banking by low-income, unbanked people as well as Future, trained trainers in French and Spanish, and outlinedthe business case for branchless banking agents. national strategies for financial education. At the SEEP Network, Candace co-coordinates the Savings-led Financial Services Ted Moser, Vice President at Mercer Working Group, which is an inclusive platform for sharing saving Consulting, has worked for 17 years in strat- group experiences among a wide range of practitioners. In this egy consulting for global technology-based role, she planned the agenda for the recent Arusha Savings Groups firms throughout the US, Europe, Asia, and Summit that brought together over 250 participants from 45 Latin America. His focus has been on the countries. life cycle management of business models, and on the innovation of new business models PANELiSTS to drive profitable growth. His work has alsoaddressed how for-profits and nonprofits that own a portfolio of marc bavois has over a decade of experi-different business models can optimize their performance systems. ence in microfinance, working in both the savings group and the institutional microfi- Guy Stuart, Ph. D., is a lecturer at Harvard’s nance camps. He currently leads a three- Kennedy School of Government. He is also an country, 14-partner project for Catholic independent consultant who uses bottom- Relief Services in East Africa, developing a up research methods, such as Financial market-based, sustainable approach to scaling Diaries and participatory processes, to up savings groups. marc has delivered technical assistance identify ways for financial service providers to and training to MFIs and NGOs in a dozen countries in Africa, Asia, meet the needs of low-income individuals and and Latin America, with a particular focus on West and East Africa. households more effectively. Guy serves as asenior advisor to Microfinance Opportunities on their client-fo- Sybil Chidiac has over nine years ofcused research projects. He also conducts research on distributed experience in savings-led microfinanceservice delivery systems as a fellow at Harvard University’s Ash programming. Under CARE’s Access AfricaCenter. program, she serves as the project director of the Save Up Project as well as the senior technical advisor of learning and knowledge management. Sybil manages three uniqueConferenCe WorKShoPS country-program village savings and loan associations (VSLA)11am – 12:30pm scale-up strategies as well as innovations around financial linkages and mobile technology. Sybil also leads the organization’s VSLA evidence-based learning program.▶ SAvInGS GrouPS TrACKSavings Groups: Temporary Stepping Stones to Eloisa Devietti is a program associate for Oxfam America’s Savings for ChangeFormal Finance? Program. She is responsible for liaising withNorth 2 Oxfam’s regional offices and supporting theIn this session, SEEP’s Savings-Led Financial Services Working organization’s regional staff with programGroup will recreate a debate from the 2011 Arusha Savings Groups monitoring and logistics. Her work focusesSummit on the following proposition: “The goal of savings groups mainly on Latin America, specifically in Guate-is to bring their members into the formal financial system.” The mala and El Salvador. Eloisa also serves as co-facilitator ofpanelists will recreate the arguments made in Arusha and offer SEEP’s Savings-Led Financial Services Working Group.insights into a theme that is not only very “hot” within the savingsgroup movement, but relevant to all efforts to support informalforms of microfinance. | 9 | 2011 seep AnnuAl conference
  4. 4. TuESDAy | November 1 ConferenCe WorKShoPS continued 11am – 12:30pm ben Fowler is a consultant on economic insights based on his research documented in the CGAP publica- development and market facilitation ap- tion “Is there a Business Case for Small Savers?” proaches, including the integration with savings groups. The founder of ben Fowler PANELiSTS Consulting, inc., he has nine years of Debbie Dean is the project director of the experience in market analysis, program Microsavings Initiative under the Solutions for design, implementation, and research working the Poorest program at the Grameen with NGOs, universities, MFIs, multilaterals, journals, Foundation. Prior to joining Grameen, and donors. Ben has previously worked for MEDA and the Aga Debbie ran her own company, which had a khan Foundation, and has lived in kenya and Guatemala. social mission of tying livelihoods with microfinance loans and education scholarship Michael Katambira has worked for microfi- programs in Tanzania. Debbie transitioned to her nance programs in Uganda since 1997 as career in microfinance after 20 years in the technology industry credit officer for Faulu Uganda and Rural working with companies like Cisco and IBM. Credit Finance Company, microfinance technical advisor for UAWMPE Credit Glenn Westley is an independent consultant Scheme, and microfinance officer at the working in the areas of microfinance and Ministry of Finance IGSL Program. He initially microenterprise development. He was a taught business economics at kyambogo University. senior adviser at CGAP from 2008 to 2011 Currently he is a program manager for the SILC Innovations project after nearly 31 years at the Inter-American with CRS Uganda. Development Bank. During his time at the IDB, Michaela Kelly is the head of Plan UK’s he held a number of positions, including senior Programmes Delivery Unit. After working at adviser for microenterprise, senior economist in the Office of Plan’s International Headquarters for three the Chief Economist, and acting division chief of the development years, she then worked overseas for 10 years policy research division. as a member of the senior country manage- ment teams in Bolivia, Haiti and Sri Lanka, responsible for the effective delivery of the ▶ FRONTiERS iN FiNANCiAL SERviCES TRACK country strategic programmes. Moving back to the Microinsurance: Delivery Channels and Uk in 2009 as MF manager, she managed Plan Uk’s largest corpo- rate partnership programme between Plan, CARE and Barclays Partnerships Bank – ‘Banking on Change’ an initiative to improve the quality of North 1 | Simultaneous translation into French and Spanish life for poor people by extending and developing access to basic Practitioners are finding that a major challenge in microinsurance is financial services. in service delivery. What delivery channels are available, and which ones work for microinsurance? How do you determine whether each partner is adding value to the relationship? Are MFIs the most ▶ forMAl SAvInGS TrACK viable partners? In addressing these questions, our panelists will analyze the defining characteristics of microinsurance, explore a The elephant in the room: Can We Build a Case variety of microinsurance partnership models (including mobile for Microsavings? phone networks), and examine the preliminary conditions and skills North 3 required to venture into such arrangements. In a highly participatory session, Grameen Foundation and Glenn PANELiSTS Westley would like to engage the audience in a dialogue about Javier vaca, Executive Director of Red different pathways to building a business case for serving low Financiera Rural, is an economist who income savers. Business models will be shared, and the audience will discuss challenges with making savings a sustainable business specializes in finances and microcredit. He for microfinance institutions. Grameen Foundation is engaged in has vast experience in the field throughout a three-year Microsavings Initiative funded by the Bill & Melinda Latin America, and serves as a consultant to Gates Foundation, with a goal of building sustainable microsavings several national and international organiza- programs for three MFIs in Asia and Africa. Glenn Westley will share tions such as USAID, IDB, CGAP, Citi Foundation2011 seep AnnuAl conference | 10 |
  5. 5. TuESDAy | November 1ConferenCe WorKShoPS continued11am – 12:30pmof America, and Hivos, among others. His expertise includes PANELiSTSfeasibility studies for microfinance institutions, models and method- Janet Heisey, Trickle Up Program Directorologies of microfinance programs, and the administration and for Asia, oversees the organization’s livelihoodimpact of microcredit. program in India, which enables extremely poor women to move up the economic Denis Garand, President of Denis Garand ladder by establishing livelihoods, building and Associates, worked from 1981 to 2000 for skills, linking to safety net programs, and a cooperative insurance company. He served establishing savings and credit groups. She has as group actuary, director of marketing and supported the program from the initial CGAP/ vice president of group insurance, as well as Ford-funded graduation pilot to the current project implemented an advisor to developing cooperative insurers. by 10 partners. Janet also has special responsibility for Trickle Up’s Since 2001, Denis had been an independent work to include people with disabilities in the program and consultant, focusing on the Canadian group industry and international microinsurance programs. Inter-nationally he has worked on all facets of microinsurance and has Jan Maes is an independent consultant andexperience in over 25 countries. facilitator of the SEEP Network’s Poverty Outreach Working Group. He specializes in Richard Leftley is president and CEO of knowledge management and learning MicroEnsure. He joined Opportunity Interna- related to sustainable livelihoods and tional in January 2002 from Benfield Greig, a inclusive markets for households living in leading reinsurance intermediary, where he extreme poverty. He advises on programs worked as a reinsurance broker responsible related to livelihood promotion, microenterprise for the African account and in a team covering development, base-of-the-pyramid marketing, and savings the Middle East and Southeast Asia. Richard mobilization, especially targeting very poor populations. Jan pioneered the introduction of insurance products teaches the course Microfinance for the Bottom Billion at thewithin the Opportunity Network, leading to the establishment of Carsey Institute’s Sustainable Microenterprise Developmentthe Micro Insurance Agency which subsequently became Program.MicroEnsure. Alexis Morcrette is a research assistant for the International Programme for Markets and▶ vULNERAbLE POPULATiONS TRACK Livelihoods at Practical Action, UK. His primary responsibility is to coordinateWhy a rising Tide Won’t lift All Boats: from learning and capacity building in areas ofthe Differential needs of the extreme Poor to market facilitation, participatory methods, andMarket Participation value chain monitoring and evaluation inConcourse 1 Nepal, Bangladesh, and Sri Lanka. Alexis’ current areas of work include synergies between extreme poverty gradua-We know that effective economic empowerment of the very poor tion and market development programs, tacit knowledge in valuerequires an intensive, tailored approach, with careful sequencing chain monitoring, and market institutions in Bangladesh.of different interventions to help the very vulnerable to graduateout of extreme poverty. We are also aware that value chain devel-opment can deliver sustainable impact on a large scale by trans- ▶ ENTERPRiSE AND MARKET DEvELOPMENT SySTEMS TRACKforming the market systems in which poor producers participate.In this engaging and interactive workshop, we attempt to bridge understanding, Influencing and responding tothe divide through an honest, candid, and collaborative exchange Private Sector Motivations for Pro-Poor Impactbetween practitioners focusing on different sides of the coin: TrickleUp “pushing” ultra-poor participants up the economic ladder with a in Bangladesh and east Africa Concourse 2livelihoods approach, and Practical Action “reaching down” to bringpoorer individuals into a systemic market project. Practical Action This session will explore value chain initiatives in the dairy sectorsand Trickle Up will “map” each other’s projects according to both in East Africa (Heifer International) and Bangladesh (CARE) – which,the profile of participants involved and the program intervention combined, are successfully doubling the dairy-related incomes ofrequired to best meet their needs. nearly 200,000 poor households. The session will provide concrete illustrations of how NGOs can work at all levels of an industry to | 11 | 2011 seep AnnuAl conference
  6. 6. TuESDAy | November 1ConferenCe WorKShoPS continued banks via the USAID-funded MABS program in the Philippines11am – 12:30pm are two examples of mobile-based products that have already promoted high levels of financial inclusion. Alongside these op- portunities are unique risks associated with the delivery of financial products and services via mobile or card-based conduits. In Julybenefit women and the poor. The cases will be framed with sup- 2010, the U.S. Agency for International Development released theport from the Schulich School of Business at York University, which USAID-Booz Allen Hamilton Mobile Financial Services Risk Matrix,has done extensive research on the intangibles that often drive de- which was part of the U.S. government’s contribution to the G-20’scision making—trust, justice, transparency, and risk—both among broader financial inclusion goals. To date, central bank regulatorsmarket actors and within the system itself. The session will provide in Malawi, kenya, Vietnam, Colombia, South Africa, Mexico andanyone seeking to stretch the boundaries of sector-wide, pro-poor the Philippines and elsewhere have received both copies of, anddevelopment with new ideas on how to understand and work guidance in the usage of, the USAID-BAH mobile financial serviceswith the private sector while supporting women’s empowerment. risk matrix. Technical experts have also introduced the matrix to several commercial banks, and to mobile network operators inPANELiSTS each of these countries, including Safaricom in kenya, Globe and Kevin McKague is a PhD candidate at the Smart in the Philippines. If the microfinance institution community Schulich School of business in Toronto, plans to enter this market, it will need to adapt its internal controls having studied CARE’s Strengthening the to accommodate the unique features of mobile financial services Dairy Value Chain in Bangladesh initiative for delivery. This session will focus on some of the key risks associated his dissertation. Prior to his PhD studies, with MFI adoption of mobile financial services (either directly or kevin worked on major projects with the indirectly) from both a legal, regulatory, and supervisory perspec- International Finance Corporation, the UNDP’s tive and from an end-user perspective. Growing Inclusive Markets Initiative, the Interna-tional Development Research Centre and the Canadian Interna- SPEAKERStional Development Agency on market-based and enterprise-led Maria C. Stephens, Senior Technical Adviser at USAID/EGAT/PR/MDapproaches to inclusive growth and poverty alleviation. Daryl Skoog, Chief Technology Officer at Opportunity International Gino Picasso, CEO of GTV at GlobokasNet, LLCMoses Nyabila, Heifer international LUNCH SESSiON Nurul Amin Siddiquee is a team leader at CARE bangladesh. His areas of experience Taking Stock of Microfinance: Perception of the include leading value chain development Industry Among Donors and Investors projects, particularly in agriculture, livestock, 12:30 – 1:30pm | Cavalier and fisheries. Nurul has demonstrated how sPonsored by CREDIT SUISSE enhanced collaboration with private sector After weathering the financial crisis relatively well, the microfinance partnerships can leverage increased socioeco- industry came under scrutiny in 2010 when a series of events drew nomic benefits to poor producers and people in negative attention to the industry, including the crisis in the Indianrural areas, especially women, while promoting more effective, state of Andhra Pradesh. Media coverage also focused on thesustainable farming and business practices for the bottom of the disparate views in the sector regarding the growth of commercialpyramid. microfinance, particularly in light of the increased interest in micro- finance as a profitable investment opportunity. Within a short time, the established perception of microfinance as an effective andLUNCH SESSiON just tool for poverty alleviation transformed into a debate about whether microfinance does more harm than good. In light of theseManaging the risks: legal, regulatory and developments, the Microfinance Communications Council felt thatoperational risks related to MfI Adoption of an effort to take stock of the current perception of microfinanceMobile financial Services among some of the industry’s most important benefactors would12:30 – 1:30pm | Commonwealth South be both timely and relevant. At this moment in the industry’s his-sPonsored by SEEP tory, how do these investors and donors perceive the microfinance industry? What do they see as the issues and challenges facing theThe introduction of mobile financial services into the development sector? And how can microfinance organizations better reach andcommunity provides the potential for bringing financial services communicate with this double bottom line-driven segment?and products to otherwise underserved communities through the PANELiSTSmobile conduit. The successes of Safaricom’s M-Pesa product inkenya and the delivery of mobile financial services through rural Todd bernhardt is the director of marketing and communications at the Grameen Foundation. Todd brings more than 20 years of2011 seep AnnuAl conference | 12 |
  7. 7. TuESDAy | November 1experience to Grameen Foundation from the nonprofit and private own deposits for a range of personal and economic requirements.sectors, most recently serving as director of communications for Increasingly, development organizations are adding activities toInova Health System in Virginia, where he oversaw internal com- savings groups to address other issues—for example, poor health,munications to Inova’s 16,000+ employees; external communica- lack of access to food, generational cycles of little or no education,tions and PR; the website and social media efforts; and design and gender inequity, and lack of self-esteem—which they believe un-production services. dermine gains made through increased access to financial services. But does adding other activities undermine the savings group’sRobert Meloche, Vice President of Marketing and Communications independence from the facilitating agency? Is it too costly? Does itat Opportunity international, joined the organization in 2008 after compromise scale and sustainability? Who should decide whetherworking in a wide variety of communications roles, including as a and what additional activities savings groups engage in? Thisvice president at Weber Shandwick, a global public relations firm interactive session will engage the audience in a lively conversationwith offices in 74 countries. Rob’s experience includes developing to explore the benefits and challenges of adding developmentand executing strategies for corporate and investor communica- activities to savings groups.tions, product launches, and branding for leading technologycompanies including Toshiba, Microsoft, and Ingram Micro. PANELiSTSbruce Macdonald, Senior Vice President of Communications at Christopher Dunford was president, and asACCiON international, is responsible for managing ACCION’s com- of October 2011 is now senior research fellowmunications and marketing programs, including branding and for Freedom from Hunger. Chris has wideawareness, media relations, web and e-marketing, internal commu- experience in rural development programnications, events, publications, and development communications. planning, management, and evaluation inPrior to joining ACCION in 2005, Bruce directed corporate commu- Africa, Asia, Latin America, and the Unitednications for several private and publicly-traded U.S. and European States. Chris has been instrumental in thetechnology companies, where his responsibilities included analyst design and implementation of Freedom fromand investor relations, public relations, and international marketing. Hunger’s strategy for integrating self-financing poverty lending to rural women with education for better health, nutrition, andbob Price, Deputy to the Vice President of New Business Develop- micro-business.ment at FiNCA, joined the organization in 2006 and helps overseea 17-person department responsible for generating $30+ million John Schiller oversees Plan West Africa’sin annual revenue, for new product and technology innovations microfinance strategy for widespread dissemi-that improve service delivery to FINCA’s 850,000+ clients, and for nation and scale up of community-basedpositioning FINCA as a global leader in alleviating poverty. Bob microfinance models aimed primarily at poorhas specific responsibility for cultivating FINCA’s relationship with rural women and youth. He served as micro-Fortune 500 firms such as Credit Suisse, Visa, MetLife, and Oracle. finance coordinator at Plan International fromJulie Slama is the director of communications at Women’s World 1995 to 2007, and built Plan’s capacity for highbanking. Julie oversees WWB’s marketing and branding strategies quality microfinance programming. John is an expert in microfi-as head of the Communications Department. This includes devel- nance and rural enterprise development and has worked for Partner-oping an editorial strategy to convey the organization’s learnings ship for Productivity, CARE International, and the U.S. Peace Corps.and experiences in microfinance in order to help shape the debatefor critical issues in the sector. Prior to joining WWB, Julie was a Kathleen Stack joined Freedom fromcommunications manager for the Stanford Institute for Higher Hunger in 1984, and has held a number ofEducation Research. senior positions, including her current role as vice president for Asia and Africa. She was a co-creator of Freedom from Hunger’sConferenCe WorKShoPS approach to combining microfinance with1:30 – 3pm financial, business, and health education and service linkages now reaching over 3 million women and their families through community-based financial services groups, in▶ SAviNGS GROUPS TRACK partnership with MFIs, credit unions, and NGOs.Adding Development Activities to SavingsGroups: Perspectives from the G.o.D.sNorth 2 ▶ FORMAL SAviNGS TRACKSavings groups reach 5 million of the poorest, most underserved Achieving Microsavings Success throughpeople with financial services. They mobilize member savings, operational and organizational Changeand enable members to build assets as well as borrow from their North 3 | 13 | 2011 seep AnnuAl conference
  8. 8. TuESDAy | November 1ConferenCe WorKShoPS continued1:30 – 3pmGrameen Foundation, Women’s World Banking (WWB), and Men- ▶ FRONTiERS iN FiNANCiAL SERviCES TRACKnonite Economic Development Associates (MEDA) will use a casestudy approach to share what it takes for an MFI to build successful financial education for youth: from Start-upmicrosavings programs that incorporate two sides of transforma- to Scale-uptional change: operational and organizational. In this session, panel- North 1 | Simultaneous translation into French and Spanishists will share their successes, challenges, and lessons learned from While youth currently represent one of the fastest-growing seg-the operational changes required to implement savings products ments of the world’s population, a large majority of young people,across various focus areas, including marketing, information tech- especially in developing countries, do not have access to appropri-nology, and risk management. This session will also explore the fre- ate financial services and education. Although financial educa-quently overlooked organizational component of transformational tion is not technically defined as a financial product, within thechange. This component includes human resources practices that youth financial services industry it is often considered an essentialsupport employees understanding and embracing transformation- complementary service to traditional youth financial products suchal change, such as organizational structuring, new job descriptions, as savings and credit. This panel will bring together a diverse groupand individual performance objectives and training. of practitioners working in youth financial services and education, including Microfinance Opportunities, Mennonite Economic Devel-PANELiSTS opment Associates (MEDA), and XacBank in Mongolia, to explore Anna Gincherman is the director for how effective partnerships have contributed to improved knowl- formalization and new product development edge and practice in design, delivery, and scale-up of financial at Women’s World banking. In this capacity education programs for youth clients. Practitioners will gain a bet- she supports network members in different ter understanding of key concepts and challenges that an organiza- regions that are launching or expanding tion must consider when seeking to sustainably integrate financial their enterprise lending, microinsurance, and education into its menu of products and services for youth clients. savings mobilization programs. Anna has managed the launch of voluntary savings in four PANELiSTS key markets (kenya, Pakistan, Colombia, and Dominican Jennifer Denomy, Director of Youth andRepublic) and pioneered savings programs for girls in the Domini- Financial Services at MEDA, leads program-can Republic and Mongolia. She has also worked for the Council on ming that prepares young people forEconomic Priorities and the United Nations. successful entrepreneurship and employ- Ruth Jacobs has worked with MEDA since ment. She manages projects in Egypt, 2005 and has extensive experience in Asia Morocco, and Afghanistan, supporting and the Middle East. She has provided non-formal education and workplace safety management expertise for deposit mobiliza- initiatives with working youth. Jennifer also tion strategies in Tajikistan, Afghanistan, facilitates SEEP’s Innovations in Youth Financial Services Practi- Pakistan, Syria, Yemen, Nepal, India, Liberia, and tioner Learning Program. the Philippines. Ruth has over 30 years of Julie Lee, Training Officer for Microfinance experience with building bank management capacity, retail, Opportunities, works with the organization’sbank operations, MIS, administrative management, board gover- financial education team to develop curriculanance management, regulatory compliance and risk management, and tools. She also designs and implementsstrategic planning, and project management. “Training of Trainers” workshops, manages Peg Ross is the director of Grameen field projects, and provides technical assis- Foundation’s Human Capital Center (HCC). tance to local partners. The HCC helps organizations focused on poverty reduction to develop people Oyunchimeg Siisel is the executive director practices are aligned with both their social of Xacbank, the first microfinance bank of mission and organization strategy. Peg has Mongolia, where she has worked for the past over 30 years of experience in human resourc- 10 years. She is also one of the founders and es and organization development. The majority executive director of the Golden Fund forof her professional career has been in the private sector, where she Development Association NGO, the firstheld human resources leadership positions in the real estate, legal, nonprofit organization dedicated to financialfinancial, and distribution industries. education for youth in Mongolia. Oyunchimeg is the2011 seep AnnuAl conference | 14 |
  9. 9. TuESDAy | November 1ConferenCe WorKShoPS continued1:30 – 3pmofficial representative SEEP’s Youth Financial Services Practitioner Tom Roberts is the agricultural productivityLearning Program in Mongolia. specialist for World vision international’s PAGE project in Sierra Leone. He has a sound background in agriculture, livelihoods, and▶ vULNERAbLE POPULATiONS TRACK small enterprise development. In the past seven years, Tom has implemented indepen-reaching vulnerable households through dent and combined approaches in post-con-value Chain Development flict settings to improve the livelihoods of vulner-Concourse 1 able households. Working with farmer field schools, he has applied the value chain approach to link poor and vulnerable householdsThe value chain approach has generally proven its ability to help to markets.poor households achieve economic benefits. However, the verypoor and other vulnerable households are often not reached withtypical value chain development interventions. In this workshop, ▶ ENTERPRiSE AND MARKET DEvELOPMENT SySTEMS TRACKpanelists from Cardno Emerging Markets USA, CARE, and WorldVision will discuss how their organizations are adapting value chain “lock and load” without the “Crash and Burn”:development methodologies to respond to the specific needs using Systems Thinking to find the Mostof vulnerable populations, including the very poor, women, andyouth. Each of the panelists will present a case study that includes effective entry Points into a value Chainmethods and tools being applied to reach the very poor and Concourse 2vulnerable, as well as challenges faced and lessons learned. Thesession will focus on two areas of value chain development imple- Markets are complex systems that learn and change continuously.mentation: strengthening producer groups and facilitating market The application of traditional value chain analysis techniques tolinkages with the private sector. such systems can mislead practitioners and policymakers, who need to know which interventions will have the greatest impactsPANELiSTS with the minimum amount of resources. The good news is that the Jay banjade is a chief of party with CARE field of complexity can inform the design, implementation, and Ethiopia and has over 25 years of experience evaluation of inclusive market development initiatives, especially in food security, enterprise development, after a crisis or in contexts of extreme poverty. In the first part of youth employment, and economic revital- this highly interactive workshop, Lucho Osorio will share Practical ization of communities. He has managed Action’s experiences in Participatory Market Mapping, and how this several programs as chief of party, country practice relates to complexity principles in Nepal. In the second representative, program director, technical part, Marcus Jenal will talk about modeling techniques he used director, and as part of senior management teams. in Mongolia to identify the optimal entry points into a livestockHe has worked in over 40 countries and has considerable experi- market system that was exacerbating poverty among herders andence in cross-cultural relationships. Jay has also served on the degrading their land. In the third and final part, Tjip Walker willboard of a number of organizations, including the SEEP Network. discuss how USAID is thinking about complexity, and the opportu- nities and challenges he sees ahead. Jacqueline bass is an economic growth director with Cardno Emerging Markets and PANELiSTS specializes in extending the reach of Marcus Jenal is an independent consultant financial and private sector programs to for Get Sound Systems. He has a background micro, small, and medium enterprises. For 20 in environmental science and over six years years, Jacqueline has advised bilateral, of experience in international development, multilateral, private, and nonprofit institutions, specifically in market and private sector assisting them in strategizing, organizing, and implementing development. He has been involved withinnovations in economic growth. projects in kosovo, Mongolia, Vietnam, and Bangladesh. Marcus applies systems thinking and the method of System Dynamics Analysis to his international development work in order to analyze development contexts and derive systemically sound interventions for development projects. | 15 | 2011 seep AnnuAl conference
  10. 10. TuESDAy | November 1ConferenCe WorKShoPS continued tions, tool, and resource development, event coordination, client1:30 – 3pm protection assessment strategy and implementation, and relation- ship management with Campaign Steering Committee members and task forces. Lucho Osorio is the international coordinator of Practical Action’s Markets and Livelihoods PLENARy Program. The program works in Latin America, South Asia, and Africa to make Strengthening the economic Potential of the agricultural market systems more inclusive, Bottom Billion: navigating the Space between productive, and efficient, with the aim of Social Safety nets and Markets reducing poverty sustainably and at large scale. 3:30 – 5pm | Commonwealth Lucho is also the facilitator of SEEP’s Market Facilitation Simultaneous translation into French and SpanishInitiative (MaFI), a vibrant action- and learning-oriented networkwith the mission of making inclusive market development easier Mainstream microfinance and “making markets work for the poor”and more cost-effective through facilitation approaches. by themselves do not reach people living in extreme poverty. Social safety nets have the potential to lift people out of poverty, Dr. S. Tjip Walker is a senior policy analyst in but only while the assistance lasts. If we want to achieve Millen- the Policy, Planning and Learning Bureau’s nium Development Goal # 1 and eradicate extreme poverty and Office of Learning, Evaluation and Research hunger, the poorest need to increase their livelihood assets (health, at the US Agency for International Develop- confidence, skills, and financial capital) and markets need systemic ment (USAiD). He leads agency efforts to changes to include the poorest. Market facilitation approaches start promote organizational learning, including with market analysis to explore how market systems can be made more consistent and effective use of research more inclusive and equitable toward this target group. Innova- and evaluation to support strategy development and project tive safety net (including cash and asset transfers) and livelihooddesign. Tjip also leads efforts to adapt evaluation techniques to programs focus on effectively segmenting the population bycomplex environments. understanding their assets and vulnerabilities in order to identify strategies that can move them out of poverty.bREAK SESSiON SPEAKERSClient Protection: listening to the Client voice benjamin Andama, Assistant Program3 – 3:30pm | Lobby Manager at Academic Model ProvidingPresented by THE SMART CAMPAIGN Access to Health Care’s Family Preservation Initiatives (AMPATH-FPi), has been respon-The Smart Campaign is taking on the challenge sible for overall management of programof incorporating the voice of clients into the resources and activities for the past nine years,Campaign by forming the Client Voice Task Force. The group has and represents FPI in internal and externalbegun work on two initiatives. The first involves assembling client forums. He provides leadership to staff and instillseducation materials that deal with client rights and responsibilities, vision to ensure ultimate success of program activities. Benjaminvetting the materials, and making some of the best materials avail- has also been an Ashoka Fellow for the last seven on the Smart Campaign website. The second initiative involvesdeveloping a questionnaire and related guidance for gathering Syed Hashemi is the founder-director of theinformation from clients around client protection issues. This ques- bRAC Development institute at BRACtionnaire will be deployed in several countries to learn more about University. The Institute seeks to promoteclient protection from the client perspective. During this coffee research and build knowledge on practicalbreak, representatives of the Smart Campaign and members of the solutions to problems of the poor in theClient Voice Task Force will be reaching out to conference partici- global South. From 1999 to 2008 Syed workedpants to hear from you about how they talk to clients. at CGAP, where he focused on identifying pro-poor innovations and disseminating bestSPEAKER practice lessons on poverty outreach and impact. He was also oneCharlotte Connors is communications manager of the Center for of the pioneers of the global movement to ensure the presence ofFinancial inclusion at ACCiON international and operations and a social performance bottom line in microfinance.communications manager of the Smart Campaign, one of theCenter’s most ambitious initiatives. Charlotte has been working asan integral part of the Campaign team since its initial research anddevelopment phase in January 2009. She oversees communica-2011 seep AnnuAl conference | 16 |
  11. 11. TuESDAy | November 1 Lauren Hendricks is the executive director SEEP Annual Conference. Artisans will have the opportunity to sell of CARE USA’s Access Africa initiative, and is their goods to conference participants, as well as engage in peer responsible for strategic direction and discussions and workshops to learn more about product design, technical leadership of over 100 active marketing, and distribution. microfinance and enterprise development The four Value Initiative partner programs represented are: programs in 54 countries. Lauren also • ACCESS Development Services, which helps develop the jewelry represents CARE on the board of directors of industry in Jaipur, India. several national MFIs. Prior to joining CARE, • The Jamaica Exporters Association, which promotes small busi-Lauren was a program specialist at the Center for Institutional ness farming of ornamental fish in kingston, Jamaica.Reform and the Informal Sector (IRIS) at the University of Maryland. • Mercy Corps, which develops the tofu and tempe industry in Jason Wolfe, Senior Household Economic Jakarta, Indonesia. Strengthening Advisor with USAiD, supports • AMPATH, which promotes and develops passion fruit farming in the President’s Emergency Plan for AIDS kenya. Relief programs to improve the economic Artisan representatives from each program will be selling a collec- circumstances of households affected by tion of handcrafts from their communities. Exhibition tables will HIV/AIDS. He served for five years with USAID’s also be open for purchases all day Wednesday and Thursday in the Microenterprise Development office, promot- Lobby. ing inclusive value chain development, managingthe Enterprise Development Implementation Grant Program, Counterpart International has generously supported this market-contributing to knowledge management and collaborative place by contributing to the content and design of the Global Mar-learning efforts, and coordinating special initiatives involving youth, ketplace Roundtable. Counterpart International nominated MaridethHIV/AIDS-affected households, and conflict-affected environments. Sandler, CEO of Sandler Trade LLC, to facilitate the roundtable. Marideth Sandler is the CEO and international trade advisor of Sandler Trade LLC. Marideth brings a unique combination of knowledge of U.S. import preference programs and import/exportreCePTIon overall, hands-on experience in more than 80 emerging markets,SeeP Global Marketplace Preferred Vendor status conferred by the U.S. Fair Trade Federation, and the passion to make international trade happen, especially5:30 – 9 pm | Lobby involving developing-country producers.sPonsored by COUNTERPARTINTERNATIONAL Divine Chocolate is a pioneering Fair Trade chocolate company, ownedChoColate generously donated by in part by the farmers of Kuapa Kokoo in Ghana. Kuapa Kokoo is adiVine ChoColate farmer’s cooperative of 45,000 members who supply the cocoa for each bar of Divine. They get paid a Fair Trade price for their beans and receiveThe SEEP Global Marketplace is a social premium that the cooperative invests in schools, clean drinkinga three-day event intended to water, medical clinics, and women’s entrepreneurship projects. Plus, asconnect international artisans owners they get a share of the profits, a say in the company, and a voiceand handicraft makers from in the global marketplace.SEEP’s four Value InitiativePartner programs with the global market represented at the 2011 | 17 | 2011 seep AnnuAl conference
  12. 12. Wednesday | November 2 Schedule 7:45 – 8:45am Registration and Breakfast Lobby SESSiON UNLEASHiNG THE POWER OF SMALL HOLDER FARMERS iN AFRiCA Commonwealth Sponsored by Opportunity International South SESSiON LESSONS LEARNED iN SCALiNG-UP yOUTH FiNANCiAL SERviCES Organized by SEEP’s Innovations in Youth Financial Services Practitioner Learning Program Cavalier 9 – 10:30am PLENARy LEvERAGiNG PRivATE-SECTOR iNCENTivES AND STRATEGiES FOR Commonwealth DEvELOPMENT OUTCOMES 10:30 - 11am Break Cavalier SESSiON FiNANCiAL iNCLUSiON: CHALLENGES ON THE WAy Sponsored by the International Finance Corporation (IFC) 11 – 12:30am CONFERENCE WORKSHOPS 12:30 – 1:30pm Lunch Commonwealth SESSiON PRESENTATiON ON MiCROENTERPRiSE DEvELOPMENT 2.0 South Sponsored by the United States Agency for International Development (USAID) 1:30 – 3pm CONFERENCE WORKSHOPS 3 – 3:30pm Break Lobby 3:30 – 5pm PLENARy STATE OF THE SECTOR: MiCROFiNANCE iN AN EvOLviNG LANDSCAPE Commonwealth 6 – 9pm RECEPTiON Lobby Sponsored by Women Advancing Microfinance (WAM) and the SEEP NetworkADDiTiONAL PRivATE SESSiONS:Obstacles and Opportunities in Financial InclusionHosted by The Center for Financial Inclusion at ACCION International (invitation only) | 12:30 – 4pm | Mezzanine 2SEEP Board Meeting | 12:30 – 3pm | Mezzanine 1bREAKFAST SESSiON a mix of technology-enabled delivery channels. In this session attendees will learn how Opportunity’s strategy helps farmersunleashing the Power of Small holder farmers increase their production capabilities, save business profits, andin Africa manage their incomes between harvests. Discover how innovative7:45 – 8:45am | Commonwealth South crop profiling, expert technical assistance, and specifically tailoredsPonsored by OPPORTUNITY financial services boost the capacity of the entire agriculture chainINTERNATIONAL in developing regions.Opportunity International’s Agriculture Finance model provides PRESENTERSAfrican rural smallholder farmers with a full range of financial John Magnay is senior agriculture advisor for Opportunity interna-services that enable them to build a safety net for their families. tional, providing strategic direction to the agriculture initiative andOpportunity’s strategy for boosting small-scale agriculture differs oversight to Opportunity’s agriculture consultants. John also offersfrom that of its predecessors due to its comprehensive nature. technical assistance, guidance, and training to country-level staffWhile others have implemented components of our approach in and helps develop and facilitate in-country partnerships. He hasthe past, Opportunity’s program involves a unique combination lived and worked in Uganda for over 30 years, serving in both gov-of services that holistically address the needs of farmers through ernment and the private sector. Prior to joining Opportunity, John2011 seep AnnuAl conference | 18 |
  13. 13. WEDNESDAy | November 3spent 20 years as a buyer of output crops for food, seed, and agro integrating the best thinking across the public, private, and socialprocessing while working with smallholder farmers and traders. sectors; and identifying business models that incorporate poor and low income communities as consumers, producers, or distributors.Gilbert Lagaillarde is CEO of Opportunity’s newest greenfield The plenary will include discussions on key investment strategies offinancial institution, Opportunity Congo, and brings 30 years of USAID’s Office of Innovation and Development Alliances (IDEA) thatbanking experience to his work. Before joining Opportunity, Gilbert incubates approaches to development that can lead to drastic (notwas acting managing director at Banque Commerciale du Rwanda incremental) improvements and establishes, coordinates, and helps(BCR), where he established BCR as the fastest growing commercial build the Agency’s capacity for high-impact public-private partner-bank with an overall market share of 44%. While at BCR he expand- ships. The plenary will discuss the Inter-American Developmented delivery channels, introduced new products, and was awarded Bank (IDB)’s Opportunities for the Majority program that exploresBank of the Year for four consecutive years by Financial Times new business and collaborative solutions to development issuesGroup of United kingdom & Global Finance (2006-2009). affecting poor and low-income communities by financing projects and conducting outreach and research to bring the benefits ofbREAKFAST SESSiON economic and social development to the majority in the region.lessons learned in Scaling up youth financial SPEAKERSServices Robert de Jongh is the chief inclusion7:45 – 8:45am | Cavalier architect for market-based solutions athosted by SEEP’S INNOVATIONS IN YOUTH FINANCIAL SERVICES blueMaris ventures. He is dedicated toPRACTITIONER LEARNING PROGRAM accelerating and scaling the impact of public and private sector actors who areGlobally, approximately 1.03 billion youth (or 18% of the world’s committed to social change in emergingpopulation) fall between the ages of 15 and 24. While youth markets. For almost two decades, he hascurrently represent one of the fastest growing segments of the leveraged social and financial capital and bridgedworldwide population, a large majority of young people, especially multi-sectoral divides to catalyze impact, growth, and performancein developing countries, do not have access to appropriate financial in diverse sectors ranging from business development andservices. Scaling up youth financial services is one way to address technology to sustainable development, philanthropy, and socialthis enormous gap between demand and availability. However, entrepreneurship.scaling up is not a simple process and many financial institutions Anuj Jain joined the Coady internationalfind that they need to consider some unique factors when working institute in April 2010 after working for CAREwith youth clients. Since 2010, as part of the Innovations in Youth International in various positions for 18 years.Financial Services Practitioner Learning Program in partnership He specialized in the microfinance andwith the The MasterCard Foundation, SEEP and project partners livelihoods development fields, managing,Catholic Relief Services, Enlace, FINCA-Uganda, Hatton National designing, providing technical support, andBank, and XacBank have been working together to examine best fundraising for a number of small and largepractices and lessons learned in scaling up youth financial ser- scale programs, globally and particularly in India,vices. Join SEEP and partner representatives in an interactive panel Asia, and Africa. At CARE, Anuj was engaged in global policydiscussion to learn more about practitioner-tested strategies and development and capacity building.innovations for scaling up youth financial services specificallyaround institutionalization, sustainable business models, financial Susan Olsen is lead specialist with theeducation, and marketing. Opportunities for the Majority Initiative at the inter-American Development bank, structuring innovative private sectorPlenAry operations through a wide range of financial platforms to reach low-income communities.leveraging Private-Sector Incentives and Susan has extensive experience in LatinStrategies for Development outcomes American financial markets, having worked as9 – 10:30am | Commonwealth regional investment officer in Central America and Mexico with the Inter-American Investment Corporation, and as advisor to theSimultaneous translations into French and Spanish AIG-GE Capital Latin American Infrastructure Fund.This plenary will address scalable, sustainable, and effective initia- Rob Schneider has worked at USAiD sincetives working across the public and private sectors to successfully 2005, initially focusing on local economicoverlap interests between development and business. Speakers development and housing. He currentlywill discuss motives, strategies, and incentives of the private sector works in USAID’s Bureau of Innovation andto be involved in poor and low-income communities, “majority” Development Alliances, where he supportsmarkets; implementing “inclusive business” models; proactively the creation of public-private partnerships. | 19 | 2011 seep AnnuAl conference