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Prof Malcolm Harper
Chairman of M-CRIL, Emeritus Professor, Cranfield School
of Management, UK
Professor Malcolm Harper is a veteran in the field of microenterprises and microfinance,
financial inclusion, and livelihoods promotion. His core areas of expertise include:
microenterprise promotion, assessment of microfinance programmes, designing and
developing microfinance and microenterprise promotion programmes and financial analysis.
Prof Harper has advised on and evaluated a large number of such microenterprise
programmes and microfinance institutions worldwide. He has substantial experience
of leading multidisciplinary design teams in large and complex microfinance and
financial inclusion programmes in the poorest regions of the world. He has worked
with most international donors and governments and has experience of facilitating
donors and private sector to work on enterprise and microfinance issues. Prof Harper’s
research and consultancy work has been supported by a wide range of national, international
and non-government development agencies.
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Mr YC Nanda
former Chairman, NABARD & Chairman, National Commission
on Farmers
Y C Nanda is an alumnus of Delhi School of Economics. After an initial career with
the State Bank of India and the Reserve Bank of India, Mr Nanda joined NABARD (India’s
National Bank for Agriculture and Rural Development) when it was being formed in
1983. He was appointed Managing Director of NABARD in 1998 and went on to become
the Chairman in 2000. After retirement, acknowledging his expertise, Mr Nanda was
appointed a full-time member of the National Commission of Farmers by the Government
of India. Mr Nanda has worked as a consultant to a number of international organizations
like IFAD, UNOPS, GTZ and FAO. He has served on a number of Government and RBI led
Committees as Chairman/member. He was also the Chairman of the Working Group on
Agriculture Credit and Cooperatives for the 11th Five Year Plan. Currently, he is
Chairman of the Agriculture Finance Corporation. He has also been involved with
a number of microfinance institutions, rural development agencies, management institutes
as Director/Trustee.
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Mr Brij Mohan
former Executive Director, SIDBI & founder of SIDBI Foundation
for Micro Credit.
Brij Mohan started his career in the Indian Statistical Service and the Department
of Company Affairs of the Government of India before joining the Industrial Development
Bank of India (IDBI) in 1986 and opting to join the Small Industries Development
Bank of India (SIDBI) on its formation in 1990. As a senior member of SIDBI’s management,
he played a pivotal role in SIDBI’s extensive engagement with the microfinance sector
in India. Mr Brij Mohan is now Chairman of Access Development Services and has served
a number of institutions in the microfinance and small enterprise development sectors
in an advisory capacity.
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Mr N Srinivasan
Director, M-Cril
N. Srinivasan started his career with the Reserve Bank of India and later opted
for NABARD ( National Bank for Agriculture and Rural Development) in 1983. During
his 30 years of professional work with RBI/NABARD, Mr Srinivasan was involved in
many significant initiatives in rural finance; institution development and strengthening,
product development, training and capacity building, design, implementation and
supervision of rural development projects. He has been associated with many policy
framing groups/task force set up by GOI/RBI/NABARD, such as Expert group on farmers’
indebtedness, Expert group on Reform of cooperative banking, Planning commission
task force for estimation of agricultural credit flow and Technical group on revamp
of supervision over rural financial institutions. Currently a freelance consultant,
over the last three years he has provided services to World Bank, CGAP, IFAD, ADB,UNDP,
UNOPS, GTZ, AFI, Sir Ratan Tata Trust and Government of India. For last two years
[2008&2009], he has authored the State of the Sector Report on Microfinance in India.
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Ms Bharti Gupta Ramola
Executive Director, PricewaterhouseCoopers, India
Bharti Gupta Ramola joined PwC in 1984 and was the first non-accountant and the
first woman to reach the level of Partner in India in 1992. She is currently the
firm’s Transactions Leader and is responsible for Financial Advisory Services and
the Sustainability Services practices. She is also PwC India’s mid-market leader,
and became a member of the Global Gender Advisory Council in January 2008. Bharti
has worked extensively on financial sector policy issues including on issues of
financial inclusion for the poor and women. Bharti serves on the boards of BASIX
and Professional Assistance for Development Action (PRADAN), two Indian non-government
organisations engaged in the promotion of rural livelihoods.
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Ms Jayshree Vyas
Managing Director, SEWA Bank
Jayshree Vyas is the Managing Director of SEWA Bank, Ahmedabad, a pioneer in the
Indian microfinance industry. Jayshree had been a financial analyst with a bank
until she joined SEWA in 1986. With her quality financial and managerial skills
she has been able to provide strategic guidance to the overall working of the Bank.
SEWA Bank has created a holistic approach to helping women achieve independence
through microfinance linked with the health, education, legal support and other
supplementary programmes of SEWA – the NGO.
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Ms Frances Sinha
Managing Director, EDA Rural Systems Private Limited
Frances Sinha is a graduate of Oxford University and the London School of Economics.
Since graduation she has lived and worked in India for the past 25 years, leading
the research team of EDA Rural Systems Pvt Ltd (of which she is co-founder Director)
and contributing to the development of M-CRIL, an associate company of EDA. Frances
has led teams for impact assessment and market research with a focus on cost-effectiveness,
gender issues, poverty analysis and practical reporting – throughout India and in
a number of countries of Asia and Africa.
In her current work she is closely involved with initiatives around social performance
in microfinance. With the M-CRIL team, Frances has pioneered the development of
a social rating methodology – to complement credit rating.
A member of the International Social Performance Task Force, in which she chaired
the sub-committee on social rating, Frances has contributed to the consensus on
a framework for social rating and reporting (SEEP network publication, 2006), and
has helped to coordinate the global pilot on social reporting indicators by MFIs,
due to be part of microfinance reporting to the MIX from 2009.
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Mr Sanjay Sinha
Managing Director, M-CRIL
Sanjay Sinha is the Managing Director of Micro-Credit Ratings International Limited
(M-CRIL) – a company established to carry out professional assessments (ratings)
of microfinance institutions (MFIs) and provide research and other services designed
to promote the flow of investments into microfinance.
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