The document is a CV that summarizes the professional experience and qualifications of Henry Oloketch. In under 3 sentences: Henry Oloketch has over 24 years of experience in financial services and small business development in Africa. He has worked extensively with microfinance institutions, governments, and international organizations across 16 countries. His experience includes strategic planning, market research, product development, and technical assistance for financial inclusion projects.

1. CV 1
HENRY OLOO OKETCH
Likoni Lane, off Dennis Pritt Road● Post Box 51705-00100● Nairobi, Kenya● Email : henry.oketch@yahoo.com
SUMMARY
To be a caring visionary in the development of small businesses and sustainable pro-poor financial services
 Economist and Kenyan citizen.
 Twenty four years of progressive work experience in financial services industry and small-enterprise
development, and more than 15 years’ experience in leadership.
 Currently associated with INAFI Africa (the International Network of alternative Financial Institutions) and
Engitanapa (formerly Maarifa Consultants) Limited.
 Provided consulting services for microfinance institutions, commercial banks and non-bank financial
institutions, financial regulators, bilateral and multi-lateral international development agencies, and
NGOs. Donor experience includes GTZ, DANIDA, DfID, The World Bank, ILO/RAFAD, AFDB, and UNDP.
 Produced the first-ever road map and action plan for advancing the African microfinance sector for the
African Union commission (AUC) in 2007.
 Strong technical leadership and project management skills, ranging from short-term research assignments
to complex multi-year and multi-donor funded projects.
 Possess international experience and the ability to work with multi-cultural stakeholders and team
members. Worked across 16 African countries.
 Conducted more than five due diligences and carried out nearly 13 end-of-project evaluations.
 Formulated access to finance and small enterprise development policy and strategy.
 Designed and supported the development and successful restructuring of more than five major pro-poor
financial institutions.
 Conducted market research and produced strategic business plans for the setup of new microfinance
institutions and dedicated microfinance bank subsidiaries, including two transformations and one cross-
border bank subsidiary.
 Designed innovative pro-poor financial products, including model village banks, low-cost housing loan
product, renewable energy, and youth-friendly products.
 Extensive operations research and writing experience, including conducting more than a dozen major
nation-wide market and industry studies/rapid assessments.
 Good team player with strong abilities in leading motivated teams and coordinating with professionals at
different levels of the sector/industry to achieve organizational objectives.
HIGHLIGHTS & AWARDS
 Leading six global and regional conferences on microfinance organized by Oxfam-Novib and the
International Network of alternative Financial Institutions (INAFI)
 Facilitating the development of curriculum and materials for a postgraduate diploma course on
microfinance jointly supported by Swisscontact East Africa and Makerere University, Uganda, in 2004
 Awarded $120,000 innovation grant by USAID in August 1998 (under the MIP) project to develop relevant
delinquency course for microfinance institutions in Kenya, Uganda, and Tanzania
CORE SKILLS
 Policy and strategy formulation and analysis, including project design
 Project management
 Organizational assessment and due diligence
 Curriculum development and Training
 Market research and product development

2. CV 2
 Business planning
 Econometrics and statistical analysis
 Proficient in computing, including SPSS+
Education & Degree / Diploma Institution Date
Masters of Arts in Economics University of Nairobi, Kenya September 1988- July
1990
Postgraduate Certificate in Appraisal,
Monitoring, and Evaluation of Small-
Enterprise Development projects
Durham University, Business School,
Durham, United Kingdom
December 1993- 18
March 1994
Bachelors of Business Education
(Accounting and Economics)
Kenyatta University, Nairobi, Kenya September 1983-July
1986
Professional training completed
• Postgraduate Certificate in Appraisal, Monitoring, and Evaluation of Small-Enterprise Development projects,
Durham University, Business School, Durham, United Kingdom, 20 February /18 March 1994.
• Certificate in Green Performance Agenda for Microfinance Institutions (MFIs) in Eastern and Southern Africa: a
Regional Capacity Building Initiative for Consultants and MFIs, Hivos and Enclude, Harare, Zimbabwe, February
2014/August 2014.
• Certificate of completion, Management Concentration, The Boulder Microfinance Training, Boulder Institute of
Microfinance, Turin, Italy, July 17/August 8, 2009.
• Certificate of Expert Adjudicator for having made vauable personal contribution to the Deveopment of
Entreprneurhsip and Small Business in Kenya at the 2012 Enablis ILO Safaricom Foundation Pan Competition,
Nairobi, Kenya, February 2013
• Certificate of Appreciation awarded for having contributed to the conduct of the INAFI Gobal Conference on
Microfinance, Remittances, and Development held at Palais Des Congres, Benin, November 7-9, 2007.
• Certificate in Financial Services for the Poor: How Donors Can Make a Difference, CGAP & UNCDF Microfinance
Donor Training, November 10-14, 2003.
• Certificate in Trainer of Trainers Course in Microfinance, University of Dar es Salaam, Entrepreneurship Center
(UDEC), Tanzania Association of Microfinance Institutions (TAMFI), and Swisscontact, Dar es Salaam, Tanzania,
August 22-25, 2005.
• Certificate for successfully completing the USAID/REDSO/ESA Workshop on Partnering for Performance
Monitoring, January 5-10, 1997.
Language Reading Speaking Writing
English 5 5 5
Kiswahili 5 5 5
CAREER DETAILS
Consultant in Inclusive Finance and Small Enterprise Development, Engitanapa Limited (formerly Maarifa
Consultants) in Nairobi, Kenya (Present – January 2011)
Engitanapa is a private limited liability company that provides advisory services in inclusive finance and small
enterprise development.
 Managing day to day operations of the consulting firm
 Developed technical and financial proposals for consultancy assignments
 Performed more than 48 consultancies
Chief Technical Advisor (Inclusive Finance Practice), United Nations Capital Development Fund (UNCDF) in
Lilongwe, Malawi (November 2008 – December 2010)

3. CV 3
UNCDF creates new opportunities for poor people and small businesses in 23 of the 48 least developed countries
by increasing access to microfinance and investment capital. The Financial Inclusion in Malawi Project (FIMA) is a
USD 6.2M partnership program between UNCDF, UNDP, Cordaid, and the Government of Malawi (GoM).
Through a mix of grants for capacity development and innovation, grants/loans for on-lending, technical assistance
(TA), training opportunities, and networking/advocacy support, FIMA was designed to increase financial access in
rural areas by 40 per cent and contribute to the following results:
1. Appropriate technical working group established to promote an effective policy dialogue for the
development of an inclusive financial sector.
2. Innovations in financial markets and investments in financial service providers promoted to expand
sustainable access to financial services (savings, loans, payment services, money transfers or insurance) to
low income groups, particularly women in rural markets.
3. Capacity of institutions operating in the financial sector strengthened to increase outreach and
sustainability of the sector.
As the Chief Technical Advisor to the project:
 Capacity building for microfinance in Malawi supported at all levels of the market, i.e., Macro, Meso,
Micro, and client-level; a total of 17 performance-based agreements signed;
 the National Strategy for Financial Inclusion developed and officially launched.
 Up to 24 senior industry managers trained in microfinance at the highest-level of responsibility.
 Three workshops to develop strategic alliances between mobile phone operator (ZAIN Malawi) and
microfinance institutions (MFIs) facilitated;
 The national framework for the provision of financial literacy and consumer protection initiated and up to
three forums organized thereby progressing the Consumer Protection and Financial Literacy agenda.
 Jointly with the Microfinance Transparency International organization and the Malawi Microfinance
Network (MAMN), organized a successful conference on product pricing and the role of financial
transparency in attracting investments and building the sector.
 Facilitated the development of a Financial Services Charter, an initiative of 12 commercial banks and the
Reserve Bank of Malawi (RBM)to develop a joint savings product designed to reach 1.4 million poor clients
in 5 years.
 UNCDF partnership with key donors in Malawi strengthened; Represented UNCDF and UNDP at the
National Steering Committee on Financial Sector Development Strategy (FSDS) and also in the Technical
Working Group for FSDS; UNCDF and UNCDF actively represented in the Private Sector Technical Working
Group, which was also responsible for the financial services industry.
 As a member of the National Steering Committee and Technical Committee, influenced the Government
of Malawi’s decision to make financial inclusion the most significant goal of the officially launched 2010-
2014 Malawi Financial Sector Development Strategy (FSDS), which was sponsored and funded by the
World Bank.
 On request of the World Bank, RMB, and the Ministry of Finance, played a key role in refining the
indicators for the newly developed FSTAP and the Multi-Donor Microfinance Development Basket Fund
under formulation.
 Tools, mechanisms, processes and means in place to ensure a proper and integrated management of the
Financial Inclusion in Malawi (FIMA) Project; for instance, revised and expanded the project’s initial IC
Investment Manual; 12 monitoring visits made to all funded partner MFIs and draft report produced;
three Steering Committee (ST) meetings and seven Investment Committee (IC) meetings organized and
minutes produced in support of decision-making; eight quarterly FSP reports produced.
Consultant in Inclusive Finance and Small Enterprise Development, Maarifa Consultants in Nairobi, Kenya
(November 2008 – July 2001)
Maarifa Consultants was a private limited liability company that provides advisory services in inclusive finance and
small enterprise development.
 Managing day to day operations of the consulting firm
 Developed technical and financial proposals for consultancy assignments
 Performed more than 48 consultancies

4. CV 4
General Manager, Microfinance Innovations and Capacity-Building Division (August 1997- June 2001)
K-REP, Nairobi, Kenya: The Kenya Rural Enterprise Program (K-REP) is a leading private small enterprise
development company founded by USAID in April 1984. It evolved into prominent group of companies, including
the first NGO microfinance institution in Africa to be transformed into a regulated commercial bank specializing in
microfinance.
 Performed the duties of Chief Executive Officer to the Microfinance Innovations and
Capacity Development Division, and specifically fulfilled the following functions:
 Provided overall strategic leadership in the planning, management and implementation of the activities of
the Division
 Prepared strategy, annual plans and budgets for the division
 Performed more than 120 contracts for the business
 Developed bids for international tenders for contracts in microfinance and SME Development in the Africa
region.
 Negotiated, coordinated, and supervised other consultants during the implementation of major contracts.
 Headed the growth of the division into a reputable and profitable advisory firm with clients throughout
the African region.
 Was a member of K-REP Holdings’ Executive Management Committee and hence contributed to defining
the overall strategic direction for the company.
Head of Research and Consultancy Department (April 1994 – July 1997)
Performed the role of head of department and fulfilled the following specific functions:
 Provided leadership and vision to the organization in operations and policy research.
 Provided technical leadership in the development of strategy
 Conducted market and operations research
 Provided technical leadership in the development of various financial product innovations, e.g., in clean
energy technology, low-cost housing, and appropriate financing to the youth.
 Designed and monitored the financial and operational performance of all branches and sub-grantees
(funded by USAID through K-REP)
 Produced quarterly donor reports, conducted follow-up in-depth research, and coordinated external
evaluations.
 Coordinated and organized quarterly industry seminars to disseminate results various stakeholders.
 Developed technical and financial proposals for fee-based assignments commissioned by third parties
 Performed and supervised contracts.
Research Officer and Local-counterpart consultant to the USAID-funded GEMINI Project
Performed the function and duties of consultant and local counterpart in the Kenya project office of Growth and
Equity through Microenterprise Investments and Institutions (GEMINI) project
 Designed and supervised three national censuses of micro- and small-scale enterprises in Kenya in 1991,
1993, and 1999.
 Conducted four sub-sector studies and two bore analysis of the carpentry and shoe-making sub-sectors
 Analysed and published the results of an impact study commissioned by Ernst & Young on the
contribution of microfinance to jobs creation, improving incomes, and promoting savings mobilization and
thrift among the poor in Kenya.
SPECIFIC COUNTRY EXPERIENCE BY CONTINENT
• Asia: Bangladesh
• Africa: Ethiopia, Ghana, Kenya, Malawi, Italy, Sierra Leone, Tanzania, Uganda, Zimbabwe, South Sudan, Senegal,
The Gambia, Nigeria, Swaziland, South Africa, Zambia, Burundi, Rwanda, Mozambique, Benin, and Cote d’Ivoire
• Europe: United Kingdom, Italy, Germany

5. CV 5
CONSULTANCY ASSIGNMENTS
Client AfriCap Investment
Date 5 November 2005
Location 17 December 2005
Consultant: Due Diligence of the Union Trust Bank and Finance Salone Microfinance Limited
• Carried out a financial due diligence of the Union Trust Bank, Sierra Leone, for AfriCap Microfinance
Investment Ventures Ltd as part of its planned investment in the bank. This plan also involved the bank
purchasing the country’s then leading microfinance NGO in Sierra Leone—Finance Salone—and,
therefore, conducted the due diligence of the financial NGO as well as the bank.
Client MicroNed NPM (Netherlands Platform for Microfinance) network
Date 7 May 2008
Location 14 June 2008
Consultant: Zambia Microfinance county scan
• Reviewed the Zambian microfinance sector.
• Identifying major market players.
• Assessed market trends and capacity,.
• Analyzed opportunities for growth and development of the sector.
• Assessed government and donor efforts in microfinance development, and
• Reviewed adequacy and quality of resources for sector development and the different approaches to
promoting the sector by different development agencies.
Client INAFI Africa Trust Limited
Date 1 December 2007/ 31March 2008
Location Kenya
Consultant:Assessment of Member Organizations’ CBuilding Needs and development of a funding
proposal to Oxfam-Novib
• A survey of members’ capacity building needs and industry challenges
• Strategy formulation and development for a 3-year capacity building plan of action
• And developing a € 500,000 funding proposal for the 54-member INAFI Africa network.
Client DfiD; Plan International Kenya through a partnership arrangement
Date Five-year project; starting in May 1997
Location Kenya
Head of Microfinance Reaserch and Innovations Division: Market assessment and establishment of Village
Financial Associations (FSAs) in 16 of Kenya’s poorest districts
• Developed the K-REP and Pan International partnership for the setup of FSAs in Kilifi and Taita Taveta
Districts.
• Prepared and headed the campaigns to introduce the FSA system of rural finance in 16 of arid and semi-
arid districts by engaging local eaders and the financia adminsitration.
• Conducted market demand for grassroots-based financial services in 16 poorest districts.
• Organizing community awareness and mobilization campaigns leading to the stablishment of the village
banks, eection and training of bank leadership, and launch of demand-driven financial services.
• Provided teachnical leadersip in promoting and the seting of more than 54 FSAs based on a concept
developed by IFAD in Guniea and Mali circa 1995; today more than 200 viable FSAs exists in Kenya,
Tanzania, Uganda, and Sierra Leone arising from the Kenya pilot project.

6. CV 6
• Provided technical leadership in the development of various financial product innovations, e.g., in clean
energy technology, low-cost housing, and appropriate financing to the youth.
Client DANIDA BSPS II
Date 26 March 2004/ 4 November 2004
Location Tanzania
Transformation Consultant: Backstopping the incorporation of CRDB Microfinance Company
• Developed the concept note for the board and senior management to approve the spin-off and
incorporation of the microfinance unit into an independnet subsidiary company.
• Reviewed draft laws on the regulation and supervision of the microfinance sector in Tanzania and
prepared a memorandum for the bank advising the Bank of Tanzania on perceived gaps and its intention
to obtain a license and incorporation of a dedicated microfinance subsidiary.
• Prepared the Articles and Memorandum of Association for the new subsidiary.
• Developed the governance and organizational structure of the new business and prepared all job
descriptions and functions.
• Customized products and services for affiliated financial NGOs and rural/community banks.
• Specified the Management Information System (MIS) fit for the new business.
• Developed the first five-year business plan for the new business.
• Reviewed existing training and technical assistance materials and processes and produced
new/improved curriculum and T.A delivery approach.
• Developed a model operating system for front office/banking services for affiliated MFIs.
• Developed staff training materials and trained all staff on operating policies and procedures.
Client The International Network of Alternative Financial Institutions (INAFI) African Regional
Secretariat
Date 1 March 2012 / 31 December 2012
Location Kenya
Position held: Provide leadership to the Network and implement various activities to revive the INAFI
Africa Regional Network
• Coordinate the 2010 and 2011 audit of the network’s accounts and financial reports and organize board
of directors meeting to consider and approve the accounts for presentation to the AGM.
• Liaise with the immediate former CEO and board to document any and all activities implemeneted by
the network under 2008-2010 program and present the report to Member Organizations (MOs).
• Liaise with the immediate former Program Officer to get the Network’s website activated and updated.
• Liaise with the Board Deputy Chairperson to ensure that the immediate former Program Officer properly
hands over the assets and documents of the network before he is formally released from responsibility.
• Update Member Organizations (MOs) datbase by documentating their current level of financial and
operational performance as at 31 December 2011, 2010, and 2009.
• Identify and prioritize MOs current institutional development and capacity-building needs based on their
present short-term and long-term strategic goals, opportunities, and challenges/constraints.
• Develop the new 2012-2015 program for INAFI Africa, including at least one regional conference to be
held in the year.
• Identify new strategic partners in addition to Oxfam-Novib and mobilize resources for the network.
• Implement exchange visits and at least two trainings for the staff of MOs.
• Re-activate all activities of the network and faciliatte board meetings to discuss the financial status of
the network, i.e., annual audit and management reports and AGM.

7. CV 7
Client Mundri Relief and Development Association (MRDA)
Date 18 June 2008/ 25 July 2008
Location South Sudan
International Consultant: Development of Microfinance Programme
• Study savings groups activities and income generating activities in Mundri county and advise on how to
scale-up the operations of MRDA’s Women and Youth Empowerment (WOYE) programme activities
• Investigate how the WOYE Savings Group microfinance system could be transformed into a self-
sustaining community-wide system of finance within the Mundri county.
• Develop a five-year business pan for MRDA’s microfinance Programme.
• Develop training manual and train existing project staff who will become the mobilizers and trainers of
microfinance clients.
Client Swedish Cooperative Centre
Date 8 July 2003 / 29 August 2003
Location Kenya
Lead Consultant: Community Finance and Empowerment (COFEP) Project
COFEP (Community Finance and Empowerment) was a five-year project implemented by the Cooperative
Bank of Kenya and designed to support community-based financial intermediaries in expanding and
deepening outreach through market research, product development, and broad based improvements to
their management systems and service delivery methodologies.
• Conduct Baseline Surveys and Socio-economic Studies of Community-Based Financial Intermediaries in
Kenya
• Assist in preparing an Initiation report to set visions regarding the modernization and development of
model operating system for community-based financial cooperatives and institutions in Kenya
• Develop terms of references and review the quality of manuals developed by subject specialist
consultants; and,
• Design and facilitate two workshops (a) to present the results of the baseline surveys, formulate visions
for modernized operating systems for community-based financial intermediaries, and (b) present draft
operating systems. Identified and assessed the programmes’ affiliate partner microfinance
intermediaries and framework for disbursement of the Fund.
Client DANIDA
Date June 2000/ 31 March 2001
Location Tanzania
Lead Consultant and rural finance specialist: Viable Wholesale (linkage banking) microfinancing
mechanism established as a core business activity of CRDB Bank Ltd
• Conduct study to establish the financial needs for NGOs, Savings Groups, and community banks and
develop mechanism for intermediation.
• Designed and implemented self-discovery process that contributed towards a survey and
documentation of good practices among the MFIs
• Analyzed their capacity to deliver a broad range of financial services
• Developed appropriate linkage banking financcial products services for community-based financial
intermediaries based on best practices
• Developed a curriculum and training materials designed towards enhancing leadership and managing of
local microfinance intermediaries

8. CV 8
• Identified and developed a basic set of best-practice management operating systems or handbooks
required by ultimately affiliated intermediaries operate sustainably and profitably
• Developed a model contract and basic principles required to guide the relationships between the bank
and ultimately signed partner intermediaries
Client Fineline Systems & Management Limited
Date 1 December 2000/31 March 2001
Location Kenya
Consultant: Conduct a feasibility assessment of managed Accumulating Savings and Credit Associations
(ASCAS) and other community –based financial intermediaries
• Design and carry out a feasibility study into the possibility of using corporate membership in Savings and
Credit Societies (SACCOs) as the platform for providing technical assistance and training for building and
strengthening their capacity as viable, market-driven financial institutions.Investigate and analyse the
organizational, leadership, and operational characteristics of the informal community-based financial
intermediaries to identify their strengths and weaknesses.
• Assess the cost and incomes of the informal financial intermediaries and establish if any of the existing
groups were operating efficiently and financially sustainably.
• Establish the volume of business and membership dynamics of the informal intermediaries.
• Suggest if and how Fineline Management & Systsem Limited could commercially get involved with such
informal financial intermediaries.
Client The International Fund for Agricultural Development (IFAD)
Date 29 July 2002/ 30 September 2002
Location Kenya
Research consultant: Carry out a study to review and assess the rural and microfinance operations of
Kenyan financial institutions. The studies aimed to identify the most appropriate partners for IFAD in its
future interventions in the rural finance sector in Kenya
• Establish the proportion of total credit to the rural/agricultural sector;
• Identify the types of rural/agricultural projects finance, e.g. size of the investments, terms and
conditions of the rural/agricultural projects financed;
• Investigate the portfolio quality of bank’s lending to the rural/agricultural sector;
• Identify the business goals and objectives in general and extent to which these related to rural
agricultural finance;
• Profiles of products/financial services in general, and specifically if any are specially targeted to
rural/agricultural finance; and,
• Organizational structure of bank, number of branches/agencies, etc.
Client National Microfinance Bank (NMB) Limited
Date 12 July 2001/ 27 September 2001
Location Tanzania
Team Leader: Develop a linkage banking financial product for community-based financial intermediaries,
e.g., NGOs, community banks, and self-help savings groups, etc
• Design and carry out a survey to explore market opportunities and analyse the risks involved in using
rural grassroots financial intermediaries to extend banking services to remote and isolated areas of
Tanzania using wholesale financing facility.
• Based on the survey, develop appropriate product prototypes, service delivery mechanism, and tools in
support of the banks interest in wholesale finance.

9. CV 9
• Suggest how the linkage product should be delivered and marketed by the bank, and propose ways to
build staff capacity and necessary management systems to be developed.
Client Dhan Tanzania Foundation (DTF) Company Limited
Date June 2008/ July 2008
Location Tanzania
International consutant: Carry out a survey to identify the best three locations to start the HG bank
linkage project in Tanzania
• Design the survey and related instruments and train enumerators
• Conduct a situational analysis of self-help financial groups in three regions of Tanzania (Kilimanjaro,
Mbeya, and Morogoro), assess the familiarity and participation of the ocal population in SHG financial
groups, and assess the possibility of introducing the SHG model in the area
• Study the nature of economic activities undertaken and sources of livelihoods of the rural communities,
poverty status of the population living in the target areas, and their cultural diversity.
• Identify and map all projects and poverty reduction interventions, including microfinance institutions in
the area.
• Investigate the feasibility of using the Indian SHG bank linkage system to provide tailored financial
services to the financially excluded rural population.
• Explore the partnership potentail with civic and public institutions at the locations, as well as potential
threats and challenges.
• Propose the road map to implementation of the SHG model in the surveyed areas.
Client African Rural and Agricultural Credit Association (AFRACA)
Date 1 July 2001/ 31 August 2001
Location Kenya
Survey Consultant: Analysis of commercial banks involved in microfinnce in Kenya
• Design and carry out research to identify the commercial banks in Kenya involved micro and rural
finance with the purpose to document their motivation, approach, and relative success.
• Investigate and analyze the factors that discourage many banks from providing microfinance.
• Explore how organisations like AFRACA could encourage more of such banks to consider venturing into
microfinance.
Client USAID Kenya MicroPED Programme
(Implemented by Development Alternatives, Inc., (DAI))
Date 1 August 1998/ 30 September 1999
Location Kenya
Team Leader: Deliver Training and Capacity Building on Task-Order Basis
• Carrying out individual institutional needs assessments and due diligence on applicants for grants under
the USAID /Kenya MicroPED project.

10. CV 10
• Designing a training needs assessment of the Kenyan MFI industry.
• Designing and delivering a series of discussion forums (some monthly, others quarterly) for the MFI
industry in Kenya as well as courses.
• Preparing training reports and recommendations for follow-up to MicroPED).
Client Novib (Oxfam Netherlands
Date 17 February 2003/ 29 May 2003
Location Senegal
Lead Consultant: Deveopment of corporate strategy and business plan for FDEA (Femme developpement
Enterprise en Afrique); FDEA is a linkage banking microfinance NGO that works with women self-help
savings groups in senegal.
• Review carefully seected reports and documents to familiarize with FDEA operations and gain insight
into persistent challenges, mistakes, and strengths from the past.
• Plan and carry out a detailed analysis of FDEA’s past performance based on existing records, knowledge,
and epxeriences.
• Prepare background paper for the strategic planning workshops with management and staff and with
board.
• Debriefing the management and staff on initial thoughts, conduct field-levelfamiliarizations with FDEA
people and operations, and prepare for the first strategic workshop (with field-kevel and other junior
staff).
• Compile proceedings of the first strategic planning workshop to synethesize views/recommendations on
vision, market niches, products/services, spinning-off of the business/enterprise deveopment servcies,
group organization structure, new business pan, and strategies to build and strengthen the
institution(s).
• Prepare for the second strategic planning workshop with middle-level and senior management staff.
• Compile proceedings of the second strategic planning workshop to gain insight as in the first case with
field-level and junior staff.
• Prepare the third strategic planning workshop with FDEA board, Executive director, Internal Auditor,
deputy Executive Director/Operations Manager, Finance Director, and Director business/enterprise
training services to approve the draft strategic business plan.
• Compile proceedings of the third strategic planning workshop to gain final insight into the 2003- 2007
strategic business plan.
• Develop and present the draft business plan, financial projects, and institutional development plan for
review and approval.
Client UniBRAIN’s Sorghum Value Chain Consortium Limited
(Designed by FARA (Forum for Agricultural Research in Africa) and funded by DANIDA)
Date 5 September 2013/ 25 February 2012
Location Kenya
Ag. Chief Executive Officer: Backstopping the incorporation and setup of the SVCDC Ltd
• Provided technical leadership and oversight in initial company establishment
• Developed Memorandum of Understanding (MoU) and Agreements between individual partners and
the Incubator, on the one hand, and similarly MoU and Agreements among the partners
• Facilitated the signing of the strategic partnerships and appointment of the board of directors and
technical committee
• Overseeing the entire SVCDC Ltd.’s implementation process
• Assisted SVCDC Ltd to comply with all FARA fund disbursement pre-conditions, including the preparation
of a detailed three-year action plan, budget, and projected financial statements.

11. CV 11
• Reviewed and adapted the Human Resources Manual, Financial manual, and the Incubator Operations
Manual for SVCDC Ltd.
• Organized and coordinated the inaugural and subsequent meetings (4) of board of directors and of the
Technical Advisory Committee (1)
• Reviewed all relevant literature pertaining to the incubator and operation of incubators and
incorporated insight from the exercise in developing the MoU and Agreements, revising the business
plan, and editing, adapting, and enhancing various manuals initially developed by ICRISAT
• Reviewed the business plan and made all changes required
Client Bank of Tanzania (BoT)
(with The World Bank funding)
Date 8 April 1997/ 30 September 1997
Location Tanzania
Team Leader, Institutional and Policy Assessments: Conduct a national survey of institutions and projects
involved in the supply of rural finance/microfinance, e.g., commercial banks, savings groups, cooperative
banks, community banks, NGOs, financial cooperatives, etc.
• Design and carry out a statistically representative national survey of institutions and projects involved in
the provision of rural /micro finance throughout Tanzania
• Analyse the financial intermediation capacity and financial performance of 14 branches of the [then]
two leading commercial banks in Tanzania (National Bank of Commerce and CRDB Bank Ltd.), 10 rural
and urban SACCOs, the Kilimanjaro Co-operative Bank, and five financial NGOs.
• Based on the results, develop five model cases of best practice for the different institutions and projects
involved in rural/micro finance
• Propose a national strategy and regulatory, supervisory, and legal framework for developing capacity for
financial institutions in Tanzania.
• Present the findings and proposals at a national forum for investors and policy makers and participate in
the policy dialogue.
Client Government of Kenya, British ODA (DfID)
Date 1 March 1994/30 June 1994
Location Kenya
Team Leader/Reseacher: Design and carry out a national survey/inventory of the literature, projects and
institutions involved in micro, small and medium size enterprise in Kenya
• Developed the project concept note and funding proposal in response to request for proposal from the
ODA (now DfID)
• Developed the survey methodology, implementation plan, and budget
• Coordinated and supervised the hiring of project personnel
• Supported the Deputy Director responsible for the Research and Consultancy Department in
Communicating with major stakeholders about the project and implementation plan to receive their
feedback and support
• Trained librarians, enumerators, and other staff involved in identifying and collection of relevant
information for the exercising
• Conceptualized and designed three different databases for the project
• Coordinated the recruitment and engaged of the systems designed and developed
• Coordinated and supervised the review of materials and documentation
• Monitored and supervised project implementation
• Supervised the overall project implementation and delivery

12. CV 12
• Based on the results of the survey, developed a database and an annotated bibliography (published) of
such institutions and projects.
• One of the recommendations, which was later funded by the ODA and institutionalized into a dedicated
resource center for microfinance and small-enterprise development, was the setup of the Arifu
Resource Center (hosted at the K-Rep Bank head office).
Client Kenya Business Development Services (BDS) Program
Date 14 July 2003/ 14 August 2003
Location Kenya
Lead Consultant: Conduct Baseline Survey Tree fruit Subsector; the survey must acquire data which can be
used to attain baseline figures for the following: (1) total number of Micro and Smal-Scale Enterprises
currently accessing commercial business services; (2) total number of business service providers currently
operating in kenya in BDS program target areas; and (3) total number of Micro- and small-Scale
Enterprises producers linked with the commercial market.
• Design survey methodology and data acquisition points.
• Gather and assess secondary research.
• Conduct primary research in the field.
• Analyze and synthesize data, and deveop baseline survey.
• Present the final report to USAID Kenya.
Client Hivos Regional Office for Southern Africa
Date 24 March 2014/ 31 July 2014
Location Kenya
Consultant: Implementation of the Green Performance Agenda Toolkit for NEEMA HEEP and RAFODE
microfinance institutions
• Make a presentation on green microfinance agenda and the GPA toolkit to the two microfinance
institutions.
• Assisting NEEMA HEEP and RAFODE Management and Staff to install and explore features of the GPA
Toolkit.
• Carry out field visits to NEEMA HEEP and RAFODE clients.
• Assisting the staff and management of the two MFIs in interprating the results from the field visits.
• Assisting the staff and management of the two MFIs to dvelop an action plan on follow-up activities.
Client USAID Kenya FIRM Project
Date 14 August/ 29 September 2014
Location Kenya
Consultant: Develop Marketing ECLOF Kenya Marketing strategy
• Familiarize with ECLOF Kenya Microfinance Company Limited and its operations.
• Carry out a desk review of relevant documents to undertand the aspirations and strategic interests of
ECLOF Kenya.
• Conduct an organizational assessment of ECLOF Kenya, i.e., current products and services and market
positioning, institutional capacity, customer satisfaction, competition, market dynamics, and staff
motivation.
• Prepare a workshop to share initial results of the institutional and market assessment with senior
management and staff.
• Develop a draft three-year marketing strategy and plan.

13. CV 13
• Prepare the board and management workshop to review and approve draft strategy and plan.
Client USAID Kenya FIRM Project
Date 14 April 2014/ 14 May 2014
Location Kenya
Microfinance Specialist: Develop strategic business plan for Adok Timo Microfinance Limited
• Familiarize with the history and background to the microfinance institution and its present requirements
for strategic direction.
• Conduct a desk review of the Kenyan microfinance market and obtain information necessary to support
the strategic planning process.
• Plan and conduct management workshop/retreat.
• Document workshop proceedings and strategic issues from the workshop to provide insight into a draft
strategic pan.
• Plan and conduct a joint board and management strategic planning retreat and present draft plan for
review and further inputs.
• Prepare the final draft strategic plan and institutional development plan.
Client Medical Credit Fund (MCF) Africa
Date 23 July 2013/31 August 2013
Location Kenya
Consultant: Providing an overview of banking opportunities in designated countries in the African region,
starting and for now limited to tanzania, to establish a potential business case for MCF partner bank(s)
• Through desk review of the relevant literature, to establish the size of the private healthcare market in
Tanzania.
• Computing the eligible demand for capital by the private healthcare sector, notably for two regions
targeted for a pilot initiative.
• Compose an overview of the desk study and present a report (maximum eight pages) to MCF, which it
will share with the National Microfinance Bank (NMB), this being the first identified partner bank.
• Depending on the response by NMB, the consultant may be requested by MCF to perform detailed
folow-up research and/or elaborate his findings vis-à-vis NMB.
Client Hivos Regional Office for Southern Africa
Date 1 October 2013/ 25 November 2013
Location Kenya
Consultant: Technically support Jiinue Credit Limited in carrying out a market study, institutional capacity
assessment, and development of a five-year business pan (2014-2018) and organizational development
plan
• Market study to assess the demand for financial services of the target group (marginalized rural farmers
and peri-urban communities. This analysis provided a clear description of the target group including a
range of characteristics (level of income, income generating activity, gender, geographic region, etc.).
The study paid specific attention to the affordability of products for potential clients.
• Formulation of financial projections for the plan period 2014 – 2018 using the Microfin financial
modelling tool. During the process, the consultant trained two of the senior staff in the finance
department on how to apply the Microfin tool.
• Training the staff and facilitating management in the formulation of a realistic business plan that clearly
reflects the needs of both the target group and the organization.
• Institutional capacity assessment, which included the mapping of past and current performance both

14. CV 14
quantitatively and qualitatively; identifying the drivers and constraints which influence the performance
of Jiinue; identifying the short term and medium term resource situation of Jiinue and possible input-
objective mismatches as well as constraints; assessing the quality of governance of Jiinue as well as how
its level of accountability to its stakeholders; and assessing the internal elements of the organization,
e.g., the governance, management and operational aspects of Jiinue.
• Formulation of an organizational development plan for with clear timelines and deliverables required to
enable the organization achieve an objectives of the new business plan.
Client USAID Kenya Business Development Services (BDS) Programme
Date 1 December 2003/ 16 January 2004
Location Kenya
Survey Consultant: Conduct baseline Survey of the Lake Victoria Fresh Water Fishing Subsector
• Designed survey methodology and sampling, including a desk review of specific primary and secondary
research options available, and an implementation schedule for data collection. Basic data collected
which were used to attain baseline figures were total number of micro and small-scale enterprises
(MSEs) in the Lake Victoria Fish subsector; total number of MSEs currently accessing commercial
business services; total number of business service providers currently operating in Kenya BDS program
target areas; and total number of MSE producers linked with the commercial market.
• Gathered and assessed secondary research from all sources of relevant data, e.g. Department of
Fisheries Reports; Kenya BDS Fish Subsector reports; the Economic Survey 2003; the 1999 MSE Baseline
Survey; and BDS market assessments
• Conducted primary research in the field along the Kenyan Coast of Lake Victoria using face-to-face
interviews with standardized questionnaires and Focus Group Discussions (FGDs).
• Analyzed and synthesized the data and developed the baseline survey report
• Made an oral presentation of the results to USAID on the baseline survey activities conducted and the
basic indicators needed to monitor BDS to the subsector.
Client Hivos Regional Office for Eastern and Southern Africa
Date 1 July 2013/ 30 August 2013
Location Kenya
Consultant Microfinance Networks: Development of the 2013-2017 Strategic Plan for the Association of
Microfinance Institutions in Kenya (AMFI-Kenya)
• Familiarized with the history, vision and mission, and recent work of AMFI, including conducting
interviews with relevant staff, board members, and other stakeholders
• Reviewed the microfinance network’s current strategic plan, the external evaluation report, and other
relevant institutional documents
• Identified key institutional development gaps and elaborated new strategies in response to the gaps so
identified
• Facilitated a two-day residential board strategic planning retreat and a one-day non-residential
stakeholders’ consultative meeting to discuss the draft strategic plan
• Reviewed the organizational processes and decision-making structure and proposed necessary changes
to improve effectiveness
• Developed an implementation, monitoring, and evaluation pan for the new strategic plan
• Elaborated an organizational development plan and a resource mobilization plan for implementing the
work plan

15. CV 15
Client The National Microfinance Bank (NMB) Limited, Tanzania
Date 12 November 2004/ 29 November 2004
Location Tanzania
Consultant: Analysis and write up of NMB’s April 2004 Survey of SME Client dropouts and delinquency
• Review the survey data and any necessary literature to ensure there is adequate information to support
a conclusive analysis of why some borrowers do not continue to access the SME loan product, as well as
the reasons behind delinquency.
• Analyze and compile two reports based on the survey data: one report focusing on client dropouts and
the other one on delinquency.
• Provide insight into the reaons behind drop out and also investigate the changes and dynamics of the
Tanzanian microfinance sector since launch of the SME product.
• Expore any gender differences in factors behind drop outs and various aspects of product demand.
• Provide specific suggestions on how NMB could improve client loyalty and demand for the loan product.
• Explore gender differences and patterns in the demand for the SME loan product, risk, and perception of
product requirements vis-à-vis customer abiity and preferences.
• Provide insight into factors behind arrears, protfolio-at-risk, and propose concrete suggestions towards
improving the portfolio quality.
Client Southern Africa Trust
Date 1 July 2008/30 August 2008
Location Southern Africa Development Community
Consultant: Write up of a Comprehensive Policy Brief (minimum 25 pages) on Microfinance and Poverty
Reduction in SADC region
• Identify policy issues and knowledge gaps on microfinance in the SADC region.
• Articulate policy recommendations that can improve the role of microfinance in the region.
• Identify best practices in the region and elsewhere in the world that can be proposed as model to the
SADC countries.
Client CRDB Bank Plc
Date 8 January 2011/ 28 September 2011
Location Tanzania
Consultant: Feasibility of setting the bank’s first-ever cross-border subsidiary in the Republic of Burundi
• Carry out a desk review of opportunities for CRDB Bank to enter and establish linkage microfinance
business in Burundi and the neighboring parts of the Democratic Repubic of Congo, and to prepare a
concept note for the approval of the UNCD; the regional expansion of the bank was to be capitalized by
the UN agency.
• Designed and carried out the feasibility study of the Burundi financial market.
• Developed the first five-year strategic business plan for CRDB Bank Burundi Ltd.
• Developed the concept note for integrating wholesale and retail microfinance business model based on
a combination of agency banking and emerging banking, communication, and electronic banking
platforms.
Client The Association of Microfinance Institutions (AMFI) in Kenya
Date January 27-28, 2004
Location Kenya
Lead Facilitator: The National Policy Workshop held at the Kenya School of Monetary Studies (KSMS) on

16. CV 16
27th and 28th January, 2004
• Overseeing the administrative arrangements for the workshop in liaison with the Secretariat
• Introduced the Workshop objectives
• Ensured Smooth transition between sessions
• Moderated discussions to ensure they were within the context of the workshop theme.
• Liaised with rapporteurs and ensured that all key points were adequately captured.
• Writing the final summary of key issues discussed during the workshop.
• Ensured that the final report captured the proceedings of the workshop
• Ensured that participants were provided with adequate workshop materials
• Ensured functionality of all the necessary training equipment
Client CRDB Bank Plc
Date 18 March 2010/ 24 March 2010
Location Tanzania
Consultant: Review and Documentation of the Bank’s management innovations that has led to its many
corporate successes since Juy 1996 and prepare its entry into the CAPAM 2010 International Innovations
Awards Competition
• Review records and reports on the bank, e.g., successive business plans, annual reports,
correspondence, and other memorabilia of the bank.
• Design and conduct interviews with long-serving staff at all levels of the organization, shareholders, and
customers of the bank to inquire about events, circumstances, and forces that have shaped the
evolution and changes at the bank since july 1996.
• Identify and gather evidence of key acheivements and milestones of the bank over the years to the
present.
• Write the entry document for the bank’s participation in the innovations competition organized by the
Commonwealth Business Association in2012.
Client African Union commission (AUC)
Date 9 April 2007/ 5 August 2008
Location Ethiopia, Tanzania, Africa
International Consultant: Elaboration of a Road Map for the Development of Microfinance in Africa
The primary objective of the exercise was to propose a minimum set of policies and strategies, including the
legal, regulatory, and operationa framework for the development of microfinance infrsutcture and services
in Africa. The work recognized the critical role that microfiannce plays in engaging the poor in productive
income-generating and sustainable ventures that contribute to economic growth in the region.
• Carried out a situation analysis of microfinance policies, strategies, and the legal, regulatory and
supervisory frameworks in each member state and at the level of regional economic communities;
• Reviewed the policies and strategies and the legal framework with a view to harmonize them across the
continent;
• Assessed the role played by local authorities in facilitating the operations of microfinance service
providers and the clients’ needs of other resources other than finance;
• Assessed member states capacity to adhere to best practices in microfinance service provision,
facilitation, and promotion benchmarked against high performing regions or countries in Africa and
elsewhere;
• Elaborated the minimum policies and strategies as well as the legal framework that member states,
individually and collectively, would need to adopt to make microfinance a valuable and credible
contributor to poverty reduction in Africa;
• Elaborated on what best practices should be adhered to and what benchmarks could be applied to
assess progress in building the right environment for the development of microfinance in Africa; and,

17. CV 17
the draft final report to a workshop of member states for validation.
Client Swisscontact East Africa Programme
Date 18 May 2004/ 26 May 2004
Location Tanzania
Consultant: Review of Results of Research on Microfinance Products for Akiba Commercial Bank (ACB) Ltd
• Providing written feedback on the two research reports submitted by CB and the ensuring discussion on
the products.
• Discuss the way forward for ACK market research with Swisscontact’s Regional Microfinance
Coordinator.
Client UNIFEM East and Horn of Africa Regional Office
Date 12 November 2008/ 17 January 2009
Location Kenya
International Consutant: Rapid Assessment of the Women Enterprise and Development Fund, Government
of Kenya, Ministry of Gender and Social Development
• Identified and assessed the programmes’ affiliate partner microfinance intermediaries and framework
for disbursement of the Fund.
• Reviewed the Fund’s disbursement processes for each of the two components (MFIs and CWEF)
• Identify the challenges facing each disbursement mechanism
• Assessed the coverage of the MFIs in various parts of the country
• Reviewed the minimum conditions for accessing the fund through the Divisional Committees and made
appropriate recommendations for enhancing and strengthening the Fund.
• Reviewed the minimum conditions for accessing the Fund through the Microfinance Institutions
component and made appropriate recommendations.
Client Copenhagen Development Consulting A/S (Copenhagen DC)
Date 26 April 2006/31 July 2006
Location Kenya
International Consultant: Reformulation of DANIDA Kenya’s Access to Finance sub-component of its five-
year, US$7.8 million, Business Sector Support Program.
• Reviewed gaps and opportunities for increasing access to finance for SMEs with growth and export
potential.
• Assessed and selected suitable implementing partner institution.
• Developed MoUs for techncial service providers.
• Developed monitoring mechanisms, reporting system, and templates.
• Drafted job descriptions for required project personnel.
Client Novib (Oxfam Netherlands0
Date 2 February 2004/ 5 March 2004
Location Kenya

18. CV 18
Lead Consultant, Due diligence: Monitoring of WEDCO Ltd, a MFI based in Kisumu, western Kenya and
being a recipient of a loan of Euro 450,00
• An assessment of the loan portfolio quality
• Evaluated financial performance in the entire period ending on 31 December 2003
• Evaluated the newly developed MIS to determine if it was working well
• Evaluated the organizational and management aspects of the MFI, e.g. quality of management; quality
of staff; organizational culture at all levels (Credit officer, Branch Management, head office, and general
management)
• Head office support to branch management and credit officers
• Communication and information flows from management to field staff and vice-versa
• Evaluated board functioning, internal audit
• Assessed the level of customer satisfaction
Client Rural Livelihood Development Company (RLDC)
Date 10 July 2006/ 22 September 2006
Location Tanzania
Team Leader and Rural Finance Specialist: Combined Baseline Survey for the Formulation of Strategies for
the Promotion of Financial Services, Micro- and Small-Scale Enterprise, and Media
• Identified and analyzed the needs and demands for financial services among the rural poor households
in the four regions of Morogoro, Dodoma, Singida, and Sinyanga, also known in Tanzania as the Central
Corridor.
• Investigated and analyzed the current provision of financial services in the Central Corridor in qualitative
and quantitative terms, besides indicating also the existing and planned initiatives of Government or
donors.
• Identified qualitative and quantitative supply gaps by relating the established needs and demands with
existing provision of financial services.
• From both the perspective of financial services providers and customers/potential customers, identified
constraints and opportunities in the provision of financial services in the Central Corridor, particularly
from the situations’ influence on livelihoods development.
• Assessed potential of linkages between financial member organizations and formal financial sector.
• Based on all insights from the above five tasks, proposed detailed strategies for the promotion of
financial services by RLDC.
Client DANIDA BSPS II
Date 24 March 2005/
Location Tanzania
Consultant: Review the draft SME toolkit prepared by CRDB Bank and Develop appropriate Curriculum and
Training Materials (Task Order No. 2 and No. 3) as per the framework Agreement with the bank Reference
CRDB/SME/05/02
• Arrange toolkit materials in logical sequence to effectively guide and be easily understandable by SME
entrepreneurs.
• Re-write and expand sections of the draft as appropriate to incorporate critical materials that will make
the toolkt comprehensive to the entrepreneurs business management needs.
• Simplify the language and edit the draft document for grammer, punction, clarity, and relevance,
including illustrations, examples, and exercises.
• Develop lesson plans and training materials for the quality-checked SME toolkit and create sample
business documents or templates for training.
• Propose a course module that would be flexible and appropriate for SME entrepreneurs to complete

19. CV 19
successfully online and in classroom situation.
Client Swisscontact
Date 15 September 2003/ 19 May 2004
Location Kenya, Uganda, and Tanzania
Ag. Regional Microfinance Coordinator: Swisscontact Eastern Africa Regional Microfinance Programme
• Primarily managed the activities of the regional microfinance office on a day-to-day basis, which
basically consisted of a regional portfolio of grants, training, and technical assistance to partner
institutions financed by the donor agency; these were five self-help savings groups, commercial banks,
community banks, Savings and Credit Cooperative Societies (SACCOS), and NGOs involved in the
provision of commercially-oriented microfinance operations.
• Developed Swisscontact’s new microfinance support strategy and practice in Eastern Africa in the period
beyond December 2003.
• Organizing a workshop that exposed commercial banks in the East Africa region about trends and
opportunities in the industry to familiarize those interested in microfinance
• Supervised and supported Mufindi Community Bank (MUCOBA) in formulate strategy to immediately
address their loan delinquency problem.
• Advised MUCOBA on introducing their Group-based lending methodology.
• Supported MUCOBA formulate process-based strategic and business plan for 2003-2005 that addressed
all the strategic issues that had earlier been identified.
• Supporting the Akiba Commercial Bank in establishing a Quality Management System through process
mapping and documentation of their individual micro loan product, Group Savings and Credit product,
and Human Resource processes.
• Facilitated two selected microfinance and other training programmes and opportunities for ACB aimed
at building the capacity of the bank’s staff to carry out Market Research for Product Refinement and
Development and actually took advantage of the process in helping them develop a unified and
integrated microfinance strategy for ACB
• Supervised consultants engaged and financed by Swisscontact that helped Equity Bank develop its
product strategy and refine its products for microenterprise finance.
• Supported and supervised consultant working with Equity Bank in conducting a human resource audit
and thereafter while develop a Human Resource Development strategy and plan for the bank, including
a staff incentive scheme.
Client UNOPS (United Nations Office for Project Services
Date 1 June 2008/ 14 June 2008
Location Uganda
International Consutant and Specialist in Institution Development and Microfinance: Loan Supervision
Mission to Project UGA/o4/F01: Vegetable Oil Development Project (VODP)—IFAD Loan No.442-UG.
• Assessed the likely long-term economic impact of the Vegetable Oil Development Fund (VODF) based on
its current outputs and acceptance amongst farmers in the 23 districts covered by the project
• Explored ideas for a long-term and more comprehensive financing system for the oil palm and other
smallholder farmer’s savings and capital needs beyond the VODP.
• Based on the outcome and findings of the mission, contributed to the mission’s Aide-memoire in the
areas covered and prepared a technical annex to the final supervision report.
Client Faulu Kenya Limited
Date 1 October 2002/ 14 November 2002
Location Kenya
Consultant Microfinance Operations Training: Dissemination of faulu kenya’s New Edition Loan Policy and
Procedures Manual to 115 Faulu Kenya staff

20. CV 20
• Preparation of appropriate training materials to be used during the workshop.
• Using suitabale pedagogical techniques, facilitate up to six tailor made courses in cohorts of 25
participnats per couse
• Assist participants in mapping out a way forward on how how to adapt the acquired tools in day to day
operations and folow up on the same.
• Monitoring learning and prepare a workshop report for Faulu Kenya within one week of compeetion of
the training.
Client Stichting INAFI International (INAFI International Foundation)
Date 1 September 2008/ 20 September 2008
Location Senegal
Consultant: Prepare a report on Remittances and Microfinance based on regional mappings in Africa, Asia,
and Latin America (maximum of 20 pages) with information and analysis on the folowing topics: history of
INAFI; past activities on remittances, strategy of INAFI to harness the development potentail of migrants’
remittances for development, and possible activities in the future.
• Desk review of the existing various materials on microfinance and remittances in the three regions, e.g.,
the regional mapping presented at the Ougadougou Expert Group meeting, Manuel Orozco’s mapping in
the three regions, and all relevant documents on the subject on the three regions, and the INAFI project
document on Remittances and Microfinance.
• Review and anaysis of primary data collected on the subject by Orozco in an earier mapping of the
regions
• Design and conduct an online interview with member organizations that were already involved in
remittances or were in the process of entering into remittances business by end of 2007 to update
progress.
• Writing the draft and incorporating member organizations’ comments on the draft report on
Remittances and Microfinance in Africa, Asia, and Latin America
Client UNDP; UNCDF
Date 1 February 2000/ 31March 2001
Location Ghana
Task Manager: MicroStart Kenya Project
MicroStart Programme was a global multi-donor funded pilot project by UNDP and United Nations Capital
development Fund (UNCDF). The project was launched in February 1997 to provide micro-capital grants to
fledging microfinance institutions in 26 countries. The overall objective of MicroStart was to help improve
the access of the working poor to appropriate financial services offered by local organizations, in order to
enhance their economic activities, increase their revenues and create employment.
• Through a nationally organized tender process, identified and selected up to 11 suitable MFIs for micro-
grants, training, and technical assistance, to the Advisory Board set up by UNDP and Ministry of Finance.
• Prepared business plans and grants’ documentation for each of the seven first set of grantee as
approved by the Advisory Board.
• Provided technical leadership and supervised the day to day implementation of the project, and
preparing and managing the capacity building programme and milestones for the approved
Microfinance Institutions (MFIs).
• Selected, supervised, and coached two Local Technical Service Providers and their staff as they provided
various technical assistance and training to grantees as sub-contracted by the International technical
Service Provider.
• Monitored the performance of the grants and periodically reported their progress and impact of the
project to the local Advisory Board, UNDP Country office, and UNDP/SUM based in New York.
• Monitored and supported the outsourced consultants and their in as they provided technical assistance

21. CV 21
and training to MFI partners.
• Represented the Project at important regional meetings and conferences and produced progress reports
on each MFI partner to UNDP.
Client UNDP; African Development Bank (AfDB)
Date 1 February 1999/ 31 January 2000
Location Ghana
Task Manager: MicroStart Ghana Project
MicroStart Programme was a global multi-donor funded pilot project by UNDP and United Nations Capital
development Fund (UNCDF). Launched in February 1997, the project was to provide micro-capital grants to
fledging microfinance institutions in 26 countries. The overall objective of MicroStart was to help improve
the access of the working poor to appropriate financial services offered by local organizations, in order to
enhance their economic activities, increase their revenues and create employment.
• Through a nationally organized tender process, identified and selected up to 11 suitable MFIs for micro-
grants, training, and technical assistance, to the Advisory Board set up by the UNDP, Africa Development
Bank (AfDB), and Ministry of Finance
• Prepared business plans and grants’ documentation for each of the seven first set of grantee as
approved by the Advisory Board;
• Provided technical leadership and supervised the day to day implementation of the project, and
preparing and managing the capacity building programme and milestones for the approved
Microfinance Institutions (MFIs)
• Selected, supervised, and coached two Local Technical Service Providers and their staff as they provided
various technical assistance and training to grantees as sub-contracted by the International technical
Service Provider.
• Monitored the performance of the grants and periodically reported their progress and impact of the
project to the local Advisory Board, UNDP Country office, and UNDP/SUM based in New York;
• Monitored and supported the outsourced consultants and their in as they provided technical assistance
and training to MFI partners
• Represented the Project at important regional meetings and conferences and produced progress reports
on each MFI partner to UNDP and AfDB.
Client UNOPS (United Nations Office for Project Services)
Date 17 July 2008/ 3 August 2008
Location Tanzania
International Consultant on Policy and Microfinance: Supervision Mission to Rural Financial Services
Programme (RFSP)
• Reviewed actions taken or initiated on the recommendations of the previous UNOPS/IFAD supervision
conducted in July/August 2007 and the inter-phase review conducted in September/October 2007 under
the Improvement of Managerial Capacity and Performance of Grass-root Microfinance Institutions and
Rural Financial Systems Development components.
• Reviewed progress made in the implementation of the above components in the context of the Work-
plan and Budget for the completion of Phase II from January to 31 December 2008; and the plan for the
third phase of programme implementation; review progress made towards the achievement of the
triggers for Phase III under the two components
• Reviewed the linkages created and collaboration between Grassroots MFIs and financial Institutions
participating in the implementation of the Programme and identified capacity gaps.
• Reviewed the performance of NGOs, especially those catering for women in the provision of micro-
credit in the programme area and achievements recorded on the micro-leasing programme
• Assessed the MFIs management capacities and recommended appropriate measures for additional
capacity building-both financial and technical.

22. CV 22
• Assessed the level of participation of the rural poor in MFI operations, their use of MFI facilities,
constraints to this participation and proposed solutions to the obstacles.
• Reviewed the performance of the Bank of Tanzania’s (BOT) Microfinance Unit in the implementation of
the policy aspect of the programme, especially the actual implementation of the MFI regulatory
framework, and financial deepening in the rural areas.
• Assessed the performance of Tanzania Association of Microfinance Institutions (TAMFI) and the Savings
and Credit Union League (SCULT) in facilitating the existing MFIs.
• Reviewed the level of community participation in planning, implementation and the impact of
programme activities on their livelihoods;
• Based on the outcome and findings of the mission, contributed to the mission’s Aide-memoire in the
areas covered and prepared a technical annex to the final supervision report.
13. Employment Record:
Company Self-employed
Date Current, from 1 January 2011
Location Kenya; Africa Region; International
Position Consultant in Inclusive Finance and Small Business Development
Company UNCDF (United Nations Capital Development Fund)
Date 1 December 2008/ 31 December 2010
Location Lilongwe, Malawi
Position Chief Technical Advisor (Inclusive Finance
Company Self-employed
Date 1 July 2001/ 30 November 2008
Location Kenya, Africa, International
Position Consultant in Microfinance and Small Business Development
Company K-REP Group
Date 1 September 1999/ 30 June 2001
Location Kenya
Position General Manager, Microfinance Innovations and Capacity Building Division
Company K-REP
Date 1 July 1994/ 31 August 1999
Location Kenya
Position Research and Evaluation Manager
Company K-REP (Kenya Rural Enterprise Programme)
Date 3 November 1992/30 June 1994
Location Kenya
Position Senior Research and Evaluation Officer

23. CV 23
Company K-REP (Kenya Rural Enterprise Programme)
Date 28 November 1990/ 3 November 1992
Location Kenya
Position Research Officer/Local Counterpart to USAID-funded GEMINI Research Project
Company Lugari Extension And Appropriate Technology Programme
Date 1 April 1997/ 31 August 1988
Location Kenya
Position Project Manager/Agronomist
Company Sigalagala Technical Training Institute
Date 1 July 1986/ 30 March 1987
Location Kenya
Position Lecturer/ Head of Business Education Department
SELECTED PUBLICATIONS
1. Advancing the African Microfinance Sector: Road Map and Action Plan Elaborated for the African Union
Commission, Addis Ababa, Ethiopia, December 2008.
2. Enhancing the Contribution of Migration and Remittances in Poverty Reduction through Microfinance,
published by OxfamNovib and INAFI International, Dakar, Senegal, October 2008.
3. Co-author of Rapid Appraisal of Women Enterprise Development Fund, Republic of Kenya, Ministry of Gender,
Children, and Social Development, March 2008, Nairobi, Kenya.
4. Co-author Raising Productivity and Reducing Risks of Informal Business in Africa as background paper to the
World Bank Africa Region Analysis on the Informal Economy, WIEGO Network and World Bank PREM Network,
18 July 2008.
5. Greater Access to Finance for the Ordinary Tanzanian: The Tale of CRDB Bank’s Microfinance Technology,
CRDB Bank, Dar es Salaam, (2006).
6. Capitalizing on the Gains: A Fresh Look at Microfinance and Poverty Eradication in Africa, INAFI Africa (2005).
7. The Challenges of Planning and Managing Growth for Africa’s Microfinance Institutions, INAFI Africa (2004).
8. Commercialization of Microfinance in Africa: Changing Lives or Making Profits, INAFI Africa (2003).
9. Co-author Learning to Compete: Education, Training, and Enterprise in Ghana, Kenya, and South Africa, Centre
of African Studies at the University of Edinburgh (2002).
10. Co-author A 2002 IFAD publication on Micro/Rural finance in Kenya.
11. Co-author The Transformation of Microfinance in Kenya published by the Harvard Institute for International
Development (HIID) under the EAGER project.
12. Article in A 1999 publication on Credit and Finance published in Micro and Small enterprises' Credit in Kenya
edited by Andrew Mullei and Crispin Bokea, the International Centre for Economic Growth.
13. Article in A 1999 book on Microfinance in Africa edited by Steven A. Breth and published jointly by the World
Bank and the Africa Sasakawa 2000 Foundation.

24. CV 24
14. Article in A 1997 publication on Regulation and Supervision of Microfinance Institutions edited by Craig
Churchill of the Microfinance Network.
15. A 1996 publication on The Evolution of Group-based Microcredit Programmes in Kenya published by K-Rep
Ltd.
16. Article in a 1995 Publication on Education and Training for the Informal Sector edited by Fiona Leach of the
University of London.
17. A 1994 publication Annotated Bibliography of Studies and Inventory of Micro and Small-scale Enterprise
Development Projects and Institutions in Kenya.
18. Article in A 1993 publication on The New World of Microenterprise Finance edited by Maria Otero and
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