We are pleased to submit a Project that is innovative for both the methodological approach and the modalities of intervention and refer to the below “factors of change”: A) The new orientations on the theme of poverty eradication, B) The release (2010) of the Document on microfinance within Basel III C) The financial crisis in 2007-08, which effects are still ongoing D) The increasing integration among financial circuits E) The intervention of the central banks to regulate the microfinance market. In particular, we have elaborated on above points (A) and (B) and worked out a model to make sustainable the supply of financial and non-financial services and in so doing differentiate micro credit, micro grant, and micro aid, which sources of capital and decision making process should be different and possibly carried out in different “hubs”. IN-HOUSE SEMINAR is neither training, nor course of lessons, nor technical assistance; it is a Colloquium that is the best way to deal with management and policy matters for both speaker and participants because the former can focus on specific and practical subjects and the latter can discuss the house’s problems and consequently have the opportunity to talk about their own business.

1. A PIONERING SERVICE FOR MFI GOVERNANCE
It is a COLLOQUIUM with the Board Members
Project title: IN-HOUSE SEMINARS FOR BOARD MEMBERS
Context: Microfinance activities over the past three decades have progressively lost
the original goal to help the emarginated people and undergone with recurrent
financial implosions in Bangladesh, Bosnia, Cambodia, India, Morocco, Pakistan,
Nicaragua and Indian State Andhra Pradesh with deadly consequences.
In particular, we have spotted three main industry’s spreads: between lending rate
and bank rate, between required and actual staff skills and between declared and
pursued objectives.
From the recommendations made in the recent international forums G-20, Rio+20,
2015 Post Evaluation Analysis and the launch of the Sustainable Development
Program a key concept strongly emerged: sustainable interventions.
Regards to microfinance a decisive contribution that paved the way to make things
happen has been the release in 2010 of the document Microfinance activities and the
Core Principles for Effective Banking Supervision, -
http://www.bis.org/publ/bcbs175.pdf.
Central banks in the emerging economies took inspiration from above document and
issued regulatory frameworks and currently many microfinance markets are
monitored and supervised by the related authorities and operate within a definite
framework, which wasn’t in place before.
The move hasn’t been without problems, as we know from Ghanaian and Kenyan
markets, just to mention the most recent correspondence from those Countries.
In addition to, Microfinance has been increasing linkages with the global finance.
This is certainly shall have a positive impact because it may imply the inflow of fresh
financial resources from private investors with tangible outcome for the local
economies, on condition that MF’s governance body have the ability to grasp the
opportunities.
1. THE SERVICE: IN-HOUSE SEMINARS
1.1 Project background
Taking from our accumulated field experience over the past three decades in twenty-
eight Countries in four Continents, three years ago we have decided to share our
expertise and launched On line free advice via Skype. On top of my age, this year I
have made a further step ahead and proposed IN-HOUSE SEMINAR with a
professional Group I have founded with LinkedIn: 2015 MICROFINANCE
PRACTICE, http://www.linkedin.com/groups/2015-MICROFINANCE-PRACTICE-
4682884?trk=my_groups-b-grp-v
1.2 Project Justification
Within above-depicted context the role played by microfinance’s governance
body is crucial to reorient the way of doing business. This implies that their
responsibility goes well beyond the ordinary management issues because it is a
matter to take the market opportunities and be ready to manage the change.
It is a question to conceive, put in place and implement activities in line with the
needs of groups of potential beneficiaries, who express a variegated demand for
finance either small business around the corner or family budget, or to sort out from
poverty. More important, a greater part of MFI’s resources come from both
Governments budget, Communities and Donors, making it a must the correct
use of funds.

2. For the time being, the Service shall be implemented in Africa (Anglophone,
Francophone Regions), where we spent most of our professional career and
rewarded with reference letters and a written eulogium by the Prime Minister of
Somalia.
1.3 Project rationale
The demand for strengthening the market position of MF and micro lenders is
originated by central banks regulations and a new role to play in the market. The
opening for new opportunities is associated with the lack of a budget to face the
situation and provide governance bodies with skill equal to the task that is
complicated and difficult. Under the circumstances, an incorrect decision may have a
negative impact on both the MFI and the entire community they work with.
1.4 Project methodological approach:
The Project aims at making sustainable microfinance activities and in so doing
provide people with an effective, efficient and viable interventions. To achieve that
the Project target MFI decision makers. It consists of IN-HOUSE SEMINAR
SERVICE as an innovative and unique approach on the grounds of the following:
contents, modalities, agenda, topics and budget.
1.4.1 Contents: The pioneering methodological approach specifically refers to the
below-mentioned factors:
A) The new orientations on the theme of poverty eradication,
B) The release (2010) of the works on microfinance within Basel III
C) The financial crisis in 2007-08, which effects are still ongoing
D) The increasing integration among financial circuits
E) The active intervention of the central banks to regulate microfinance market.
Taking from above, in 2011 we published, “Suggestions for designing new credit
models”, http://www.microfinancegateway.org/p/site/m/template.rc/1.9.51017/ and
very recently we have made a further step ahead and published MICRIFINANCE &
POVERTY, which sub-title “Give people a job not a loan”,
https://independent.academia.edu/AscanioGraziosi/Papers well synthesize the
innovative approach: sustainable lending creates durable jobs. In particular we have
elaborated on above point (E), which backs the Project with a suitable methodology
that we have tested in our assignments in Morocco, Ghana, Caribbean and in other
places.
1.4.2 Modalities: IN-HOUSE SEMINAR is neither training, nor course of lessons, nor
technical assistance. It is a Colloquium that is the best way to deal with management
and policy matters for both speaker and participants because the former can focus
on specific and practical subjects and the latter can discuss their house problems
and consequently have the opportunity to talk about real topics.
1.4.3 Agenda: It will be worked out with the beneficiaries, along with date and timing.
1.4.4 Topics: The beneficiaries will propose the topics to be dealt with and agreed
before starting is indicative because the Agenda will be prepared in accordance with
the requests of the MFI:
- Investigate on MFI position in the market and with the regulatory framework
- How to link with the other financial providers; financial chain
- How to design a new product
- How to minimize the credit risks
- Matters arising from the discussions.

3. From our extensive field experience among the shadowy areas of microfinance
activities, WEAK GOVERNANCE has a casting position, although having the great
responsibility to guide the organisations and provide them with a vision, update
perspectives and imagine the future, based on informative decisions.
Exhibit - Actors role and responsibility
.In the above scenario the interests/objectives/demand/expectations of the actors
shall find a welding point in a continuing negotiation. As a result at management
level the expected performance of MFIs shall vary in relation to the relative
importance (weight) of the interests/positions/objectives/expectations of the players
and consequently the expected results shall be functions of the interests/positions
of the actors (independent variables).
In practice this means that while dealing with MFIs’ issues one has to be aware
that the bearers of a specific interest may react differently in relation to the market
conditions. The Governance body shall therefore play a key role
Box – Social enterprise function
Social performance = F (development; family income; food security)
1.6 How does the Project work?
- TARGET: Institutions and organizations providing financial and nonfinancial
services to low-income persons and small and medium business including MFI,
MCO, NGO, RURAL BANKS, COOPERATIVES BANKS.
Government
GOAL
Provide
a
conducive
environment
Deemphasise
direct
intervention
Donor
OBJECTIVE
Proper
allocation
of
resources
Supp
ort
governments
policy
Borrower
DEMAND
More
market
oriented
Less
dependent
on
subsidy
Microfinance
INTEREST
Expand
market
share
Adapt
and
adjust
management
tools
MFI
TASK
Apply
the
best
practice
Good
governance
Viability
Effective
ness
Profitability
Outreach
Sustainability

4. - HOW TO APPLY: Managers, Executives, Board Members and the persons
responsible for running operations shall have a direct contact
(graziosiascanio@aol.com) expressing the interest for the service. Les Francophones
sont encouragés à nous inviter. Then, there shall be a contact via Skype to know
each other and agree on scope and modalities for on site visit.
- TOPICS: Topics to be dealt with are, but not limited to: - Strategic alliances. -
Launch of new services. - Study of FMI position in the market and within country
regulatory framework. - Building financial chain, - Review & Revision of the decision-
making process, - Defaulters campaign - Any other management & policy matter.
- TIMING: Five days in-site seminar preferably in weekend. One day shall be
spent either in site with round-up meeting with stakeholders and others and focus
group or homework going through the papers they would like to send.
- BUDGET: We are aware that usually MFI haven’t a budget for the purpose. In
this perception the Project has worked out a special budget and at this stage
the first five applications shall benefit of very affordable conditions.
For the inquiry the target beneficiaries (above How to apply) may contact at:
graziosiascanio@aol.com
Keep in touch.
Owner,
2015
MICROFINANCE
PRACTICE
http://www.linkedin.com
http://www.linkedin.com
BANKING
&
MICROFINANCE
CONSULTANT
http://www.cambridgedata.com/GraziosiAscanio