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1 Promoting Transparent Pricing in the Microfinance Industry African Microfinance Pricing Transparency Leadership Forum Event Program October 5-7, 2011 Nairobi, Kenya Forum Africain de Leadership sur la Tarification Transparente Programme de l Evènement Du 5 au 7 octobre 2011 Nairobi, Kenya Fórum dos Líderes Africanos Sobre a Fixação de Preços Transparente nas Microfinanças Programa do Evento De 5 a 7 de Outubro, 2011 Nairobi, Kenya

2 African Microfinance Pricing Transparency Leadership Forum The African Microfinance Pricing Transparency Leadership Forum, taking place October 5-7, 2011, will provide policymakers and regulators with the opportunity to exchange their experiences in facilitating client protection and pricing disclosure in the microfinance industry. Attendees include policymakers, regulators and networks organized into teams representing their respective countries, including more than 20 nations from East, West and Southern Africa. The event is structured as follows: Day 1: Training on pricing transparency calculations and pricing disclosure policy development by MFTransparency pricing experts. MFTransparency will also share findings from our projects in 18 African countries to illustrate how effective policies can directly influence transparent pricing practices. Day 2: Working sessions through which regulators and policymakers will discuss strategies for developing and implementing pricing disclosure policy. These sessions will cover themes such as financial education, standards for reporting and pricing formulas for effective disclosure. Day 3: Development of action plans by country teams for applying the learnings of the event to facilitate an environment for transparency in their respective microfinance markets. Preeminent policy experts and technical assistance providers will be in attendance to provide support to country teams in this process. All sessions will be given in English, French and Portuguese and will address trends and issues specific to the regulatory schemes of the participating countries. The African Microfinance Pricing Transparency Leadership Forum is part of a larger initiative called the African Regulator Project. Following the Leadership Forum, this project will also include the development of several policy tools and manuals as well as two additional regional followup events, one in West Africa and another in East Africa. Through this project MFTransparency seeks a lasting impact on the policy and practice of pricing disclosure and client protection in microfinance in Africa. Our goal is to work with regulators so that the interests of different stakeholder groups, including clients, financial institutions and funders, are met in a strong, transparent microfinance industry. For more information about upcoming components of the African Regulator Project please contact Jordan Filko at jordan@mftransparency.org

3 Forum Africain de Leadership sur la Tarification Transparente en Microfinance Le Forum Africain de Leadership sur la Tarification Transparente en Microfinance, prévu du 5 au 7 octobre 2011, offrira aux décideurs et aux régulateurs la possibilité d'échanger leurs expériences en matière de mise en œuvre de protection du client et de divulgation de tarifs dans le secteur de la microfinance. Parmi les participants figurent des décideurs, des régulateurs et des associations professionnelles organisés en équipes représentant leurs pays respectifs, dont plus de 20 nations d Afrique de l'est, de l'ouest et australe. L'événement est structuré comme suit : Jour 1 : Formation sur les calculs de tarification transparente et sur le développement de politique de divulgation de la tarification par les experts en tarification de MFTransparency. MFTransparency partagera également les résultats de nos projets dans 18 pays africains afin d illustrer la façon dont des politiques efficaces peuvent directement influencer les pratiques de tarification transparentes. Jour 2: Séances de travail pendant lesquelles les régulateurs et décideurs discuteront des stratégies de développement et de mise en œuvre de politique de divulgation des tarifs. Ces sessions couvriront des thèmes comme l éducation financière, les normes de reporting et de formules pour une divulgation effective. Jour 3: Elaboration de plans d'action par les équipes pays pour appliquer les enseignements de l'événement afin de favoriser un environnement propice à la transparence dans leurs secteurs respectifs de microfinance. D éminents experts en matière de politique ainsi que des prestataires d assistance technique seront présents afin d apporter un appui aux équipes pays dans ce processus. Toutes les sessions seront en anglais, français et portugais et porteront sur les tendances et les questions spécifiques aux régimes réglementaires des pays participants. Le Forum Africain de Leadership sur la Tarification Transparente en Microfinance fait partie d'une initiative plus vaste, connue sous le nom de Projet Africain de Régulateurs. A la suite du Forum de Leadership, ce projet comprendra également l'élaboration d'outils de politique et de plusieurs manuels, ainsi que deux autres événements régionaux de suivi, l'un en Afrique de l ouest et un autre en Afrique de l est. Par ce projet, MFTransparency cherche à avoir un impact durable sur les politiques et les pratiques de divulgation des tarifs et sur la protection des clients de la microfinance en Afrique. Notre objectif est de travailler avec les régulateurs afin que les intérêts des différents groupes d'intervenants, notamment les clients, les institutions financières et les investisseurs, soient réunis dans un secteur de la microfinance fort et transparent. Pour de plus amples informations sur les composantes du Projet Africain de Régulateurs, veuillez contacter Jordan Filko à jordan@mftransparency.org

4 Fórum dos Líderes Africanos Sobre a Fixação de Preços Transparentes O Fórum de Microfinanças da Liderança Africana a ter lugar de 5 a 7 de Outubro de 2011 vai oferecer aos fazedores de políticas e reguladores a oportunidade de intercambiar suas experiencias em relação a facilitação da protecção do cliente e divulgação de preços no sector das microfinanças. Entre os participantes incluem-se fazedores de políticas, reguladores e redes organizados em equipas que representam seus respectivos países provenientes de mais de 20 nações da África Austral, Oriental e Ocidental. O evento está estruturado da seguinte maneira: Dia 1: Formação em cálculos de fixação de preços transparentes e no desenvolvimento de políticas de divulgação de fixação de preços pelos especialistas em fixação de preços transparentes da MFTransparency. A MFTransparency irá também ilustrar os resultados dos nossos projectos em 18 países africanos para ilustrar como políticas efectivas podem influenciar directamente práticas de fixação de preços transparentes. Dia 2: Sessões de trabalho através das quais os reguladores e os fazedores de política analisam estratégias para o desenvolvimento e implementação de políticas de fixação de preços transparentes. Estas sessões cobrem temas tais como educação financeira, padrões para os relatórios e fórmulas de preços para a divulgação efectiva. Dia 3:Desenvolimento de planos de acção por equipas de país para aplicação do que foi aprendido no evento para facilitar um ambiente de transparência nos seus respectivos mercados de microfinanças. Especialistas de políticas proeminentes e fornecedores de assistência técnica estarão presentes para apoiar as equipas do país neste processo. Todas as sessões serão dadas em Inglés, Francés e Português e vão tratar das tendências e questões específicas do esquema regulatório dos países participantes. O fórum dos líderes africanos sobre a fixação de preços transparentes faz parte de uma iniciativa maior chamada Projecto de Reguladores Africanos. Após o Fórum dos Líderes este projecto irá incluir também o desenvolvimento de várias ferramentas políticas e manuais assim como dois eventos regionais adicionais, um na África Ocidental e outro na África Oriental. Através deste projecto a MFTransparency busca um impacto duradouro na política e prática da divulgação de preços e protecção de clientes no sector das Microfinanças em África. O nosso objectivo é trabalhar com os reguladores de modo que os interesses dos diferentes grupos das partes interessadas incluindo clientes, instituições financeiras, financiadores sejam satisfeitos numa indústria de microfinanças forte e transparente. Para mais informação sobre os próximos componentes do Projecto de Reguladores Africanos queira por favor contactar Jordan Filko no jordan@mftransparency.org

5 Forum Agenda Day 1: Wednesday October 5, 2011 Time Session & Speakers 08:30-09:00 Registration & Welcome Coffee/Tea 09:00 09:30 Opening Session and Introductions 09:30 11:00 Training Session 1 MFTransparency How Microfinance Differs from Traditional Finance 11:00 11:30 Coffee and Tea Break 11:30 12:45 Training Session 2 MFTransparency Overview of basic interest rate and pricing methods 12:45 14:00 Lunch 14:00 15:30 Training Session 3 MFTransparency Calculating Prices: Variety Among Official Country Rates 15:30 16:00 Coffee and Tea Break 16:00 17:30 Training Session 4 MFTransparency Pricing Disclosure and Truth-in-Lending Policy: International Examples and Standards 17:30 18:00 Closing Session Q&A

6 Day 2: Thursday October 6, 2011 Time Session & Speakers 08:30-09:00 Registration & Welcome Coffee/Tea 09:00 09:45 Inaugural Address Mr. Yves Terracol, Regional Director, Agence Française de Développement Mr. Chuck Waterfield, CEO, MicroFinance Transparency Professor Njuguna Ndung u, Governor, Central Bank of Kenya 09:45 10:30 Topic: Standards for Responsible Finance Mr. Djibril Maguette Mbengue, Microfinance Specialist, CGAP Ms. Justine Bagyenda, Executive Director Supervision, Bank of Uganda Mr. Chuck Waterfield, CEO, MicroFinance Transparency 10:30 11:00 Coffee and Tea Break Workshops & Roundtables 11:00 11:30 Pricing Calculation Foundation Presentations 11:30 12:30 Pricing Calculation Breakout Sessions (Roundtable Discussions) 12:30 13:00 Pricing Calculation Report Back 13:00 14:15 Lunch

7 Day 2: Thursday October 6, 2011, Continued Time Session & Speakers 14:15 14:45 Standards for Reporting Moderated Discussion 14:45 15:45 Standards for Reporting Breakout Sessions (Roundtable Discussions) 15:45 16:15 Standards for Reporting Report Back 16:15 16:30 Coffee and Tea Break 16:30 17:30 Overview of Available Resources Short presentations from various industry experts and initiatives on resources available to promote pricing transparency, consumer protection and financial education 19:00 Gala Dinner

8 Day 3: Friday October 7, 2011 Time 09:00 09:30 09:30 10:30 10:30 11:00 Session & Speakers Financial Education Moderated Discussion Financial Education Breakout Sessions (Roundtable Discussions) Financial Education Report Back 11:00 11:30 Coffee and Tea Break 11:30 13:00 Country Delegation Planning Session Technical assistance providers and experts present for consultation Opportunity for country to country meetings 13:00 14:15 Lunch 14:15 15:45 Country Delegation Planning Session Technical assistance providers and experts present for consultation Opportunity for country to country meetings 15:45 16:00 Coffee and Tea Break 16:00 16:45 Forum Highlights 16:45 17:30 Closing Remarks Beth Porter, UNCDF

9 Agence Française de Développement (AFD) Lead Funder of the African Microfinance Pricing Transparency Leadership Forum Agence Française de Développement (AFD) is a bi-lateral development finance institution established in 1941 that works on behalf of the French government. Its mission is to finance development according to France s Overseas Development Assistance policies. AFD s activities are aimed at reducing poverty and inequalities, promoting sustainable economic growth, and protecting Global Public Goods of benefit to all humanity. As part of the fight against poverty strategy, AFD promotes greater access to financial services by supporting the emergence and consolidation of financially and institutionally sustainable microfinance institutions. AFD has more than 20 years of experience in microfinance, with the objective of increasing financial accessibility in poor and emerging countries. Since 2002, the microfinance activities of AFD, together with its private sector affiliate Proparco, have represented over 373 M euros of cumulated investments. Both entities offer a large variety of financial and non-financial instruments to support microfinance activities: equity, loans in hard and local currency, grants, guarantees, and research and knowledge management. AFD has a long-standing involvement in microfinance in Sub-Saharan Africa, targeting in priority underserved areas or segments (rural, SMEs). This region is the first beneficiary of AFD s commitments in microfinance (40% in 2010). AFD also has particularly extensive experience in microfinance within fragile and post-crisis countries. Through the collaboration of a specialized microfinance team based in Paris and its network of 66 local representations, AFD works hand-in-hand with many partners to foster financial accessibility. AFD, a signatory of the Smart Campaign, is committed to fostering responsible practices in microfinance. Apart from developing specific requirements on responsible finance and social performance in its projects, AFD works with partners to increase awareness on those issues. For example, AFD supports CGAP and its CAPAF training programme, which aims at building capacities and fostering local synergies between microfinance practitioners in 19 countries in sub-saharan Africa. AFD is very pleased to support the African Microfinance Pricing Transparency Leadership Forum, the first ever event bringing together African leaders to discuss and develop policy and practices for responsible microfinance in their local markets. For more information about AFD s microfinance activities in Africa, please contact Caroline Rozières at rozieresc@afd.fr or visit

10 Agence Française de Développement (AFD) Bailleur de fonds Principal du Forum Africain de Leadership sur la Tarification Transparente en Microfinance L Agence Française de Développement (AFD) est une institution bilatérale de financement du développement créé en 1941 qui travaille pour le compte du gouvernement français. Sa mission est de financer le développement en accord avec les politiques françaises d'aide au développement à l étranger. Les interventions de l AFD visent à lutter contre la pauvreté, à promouvoir une croissance économique durable et à protéger les «Biens Publics Mondiaux» pour le bénéfice de l humanité toute entière. Dans le cadre de la stratégie de lutte contre la pauvreté, l'afd favorise un meilleur accès aux services financiers en soutenant l'émergence et la consolidation d institutions de microfinance financièrement et institutionnellement viables. L'AFD a plus de 20 ans d'expérience en microfinance, avec pour objectif l augmentation de l'accessibilité financière dans les pays pauvres et émergents. Depuis 2002, les activités microfinance de l'afd, en collaboration avec sa filiale du secteur privé Proparco, ont représenté plus de 373 millions d euros d'investissements cumulés. Les deux entités offrent une grande variété d'instruments financiers et non financiers pour soutenir les activités de microfinance: participations, prêts en devises fortes et locales, subventions, garanties, recherche et gestion des connaissances. L'AFD est engagée depuis longtemps en microfinance en Afrique sub-saharienne, et cible en priorité les secteurs ou segments mal desservis (rural, PME). Cette région est la première bénéficiaire des engagements de l'afd en microfinance (40% en 2010). L'AFD a également une vaste expérience en matière de microfinance dans les pays fragiles et en situation post-crise. Grâce à la collaboration d'une équipe spécialisée en microfinance basée à Paris et son réseau de 66 représentations locales, l'afd travaille main dans la main avec de nombreux partenaires pour favoriser l'accessibilité financière. L'AFD, l'un des signataires de Smart Campaign, est déterminé à favoriser des pratiques responsables en matière de microfinance. Outre l'élaboration d'exigences spécifiques sur la finance responsable et la performance sociale dans ses projets, l'afd travaille avec des partenaires pour accroître la sensibilisation sur ces questions. L'AFD soutient par exemple, le CGAP et son programme de formation CAPAF, qui vise à renforcer les capacités et en favorisant les synergies locales entre les praticiens de la microfinance dans 19 pays d'afrique sub-saharienne. L'AFD est ravie d'appuyer la microfinance à travers le Forum Africain de Leadership sur la Tarification Transparente en Microfinance, le premier événement du genre à réunir les leaders africains pour discuter et élaborer des politiques et pratiques de microfinance responsable dans leurs marchés locaux. Pour plus d informations sur les activités de l AFD en microfinance en Afrique, veuillez contacter Caroline Rozières à rozieresc@afd.fr ou visitez

11 Agence Française de Développement (AFD) Financiador Líder do Fórum dos Líderes Africanos pela Fixação de Preços Transparentes nas Microfinanças AgenceFrançaise de Développement (AFD) é uma instituição Financeira de desenvolvimento bi-lateral fundada em 1941 que trabalha em nome do Governo Francês. Sua missão é a de financiar o desenvolvimento de acordo com as Políticas Francesas de Assistência ao Exterior. As actividades da AFD são destinadas a reduzir a pobreza e as desigualdades, promover o crescimento económico sustentável, e proteger Bens Públicos Mundiais de benefício para toda a humanidade. Como parte da estratégia da luta contra a pobreza, a AFD promove maior acesso a serviços financeiros através do apoio ao surgimento e consolidação de instituições microfinanceiras institucionalmente e financeiramente sustentáveis AFD tem mais de 20 anos de experiencia em microfinanças com o objectivo de aumentar a acessibilidade financeira dos países pobres e emergentes. Desde 2002, as actividades de microfinanças, juntamente com a sua filial do sector privado Proparco tem representado mais de 373 M de investimentos acumulados. Ambas entidades oferecem uma grande variedade de instrumentos financeiros e não financeiros para apoiarem as actividades de microfinanças: Participações, empréstimos em divisas e em moeda local, doações, garantias e pesquisa e gestão de conhecimento. AFD tem um envolvimento de longa data em microfinanças na África Sub-sahariana, tendo como alvos áreas prioritárias carentes ou segmentos (rural, as PME). Esta região é o primeiro beneficiário de compromissos da AFD em microfinanças (40% em 2010). AFD também tem experiencia particularmente extensa em microfinanças em países frágeis e em situação de pós-crise. Através da colaboração de uma equipe especializada de micro crédito com sede em París e sua rede de 66 representações locais, AFD trabalha lado a lado com muitos parceiros para promover a acessibilidade financeira. AFD, um dos signatários da Campanha Smart, está empenhada em promover práticas responsáveis nas microfinanças. Além do desenvolvimento de requisitos específicos em finanças responsáveis e desempenho social nos seus projectos, AFD trabalha com parceiros para aumentar a conscientizaçao sobre essas questões. Por exemplo, AFD apoia CGAP e seu programa de formação CAPAF, que visa a reforçar as capacidades e favorecer as sinergias locais entre os profissionais de microfinanças em 19 países da África subsaariana. AFD está muito satisfeita em apoiar o Fórum dos Líderes Africanos para a transparência dos Preços, o primeiro evento que reúne líderes Africanos para discutir e desenvolver políticas e práticas para as microfinanças responsáveis nos seus mercados locais. Para mais informação acerca das actividades da AFD em África, queira por favor contactar Caroline Rozières no rozieresc@afd.fr ou visite

12 Steering Committee The following individuals contributed to the development and planning of the African Microfinance Pricing Transparency Leadership Forum, contributing to the content of the agenda, culling the list of invited participants and conceptualizing the overall event. Mr. Davy Serge Azakpame Chief Executive Officer African Microfinance Institutions Network (AFMIN) Davy Serge AZAKPAME, Chief Executive Officer of AFMIN, joined AFMIN in As CEO of AFMIN, he designed regional and country-specific programs which address the needs of networks members and the microfinance sector in Africa. He trained network leaders in Performance Monitoring analysis and tools within Africa and organized some regional conferences and trainings on different topics (Innovations, Microenterprise, Social Performance Management, Rural Finance, Performance Monitoring, Network sustainability, Network Assessment). He coordinates SPM regional projects and Consumer Protection initiatives in Africa. He served as a consultant at UNDP, UNCDF, MIX, Women's World Banking, Frankfurt School of Finance and Management, European Union and Planet Finance. He is also a member of the Global Microcredit Summit Committee and the Social Performance Task Force. He holds, from Morocco, a Masters Degree in Agricultural Economics with a major in Rural Economics. Ms. Alexandra Fiorillo Chief Operating Officer, Global Programs MicroFinance Transparency As Chief Operating Officer of MicroFinance Transparency, Alexandra oversees global programs and operations for all Transparent Pricing Initiatives. She has ten years of experience in the microfinance industry and with experience in Africa, Asia, Latin America and the Middle East. Before joining MFTransparency she worked for ACCION International on the Marketing and Product Development and Global Investments teams. Prior to ACCION, Alexandra worked as a microfinance consultant to numerous organizations including Microfund for Women in Jordan, DFID's Financial Sector Deepening Project of Uganda, Agora Partnerships in Nicaragua, and Development Alternatives, Inc./USAID. She was a Fulbright Scholar in Ecuador and conducted research on rural and indigenous microfinance in the Amazon jungle. Alexandra holds a Master of International Affairs from Columbia University and a Bachelor of Arts in Economics and Latin American Studies from Connecticut College where she wrote her Honors Thesis on Banco Solidario in Ecuador.

13 Mr. Djibril Maguette Mbengue Microfinance Specialist Consultative Group to Assist the Poor (CGAP) Djibril joined CGAP in 2007 as part of Africa Team and has been involved in Government & Policy and Donors/Investors activities. In 2009, he became a member of CGAP s Government and Policy Team, focusing on issues and activities within Sub-Saharan Africa. Since 2011, he has been leading CGAP s Regulation and Supervision activities. Djibril serves as trainer in CGAP's financial and operational management courses for MFIs and donor-investors, and he is a member of the Boulder microfinance faculty since Before joining CGAP, he was a portfolio technical manager at the United Nations Capital Development Fund where he was involved in several inclusive finance projects in West and Central Africa. From 2000 to 2004 he served as director of operations at REMIX, a microfinance consulting firm. Previously, Djibril was responsible for Internal Control at Crédit Mutuel du Senegal, a savings and credit cooperative network. He holds a master s degree in business administration and speaks English and French. Ms. Beth Porter Policy Advisor, Financial Inclusion United Nations Capital Development Fund (UNCDF) Ms. Beth Porter has over twenty years of experience in microfinance and organizational development in 30 countries in Africa, Asia and Latin America. Ms. Porter is Policy Advisor at UNCDF where she provides policy guidance and support to the global team on financial inclusion. She previously launched and directed the YFS-Link initiative at Making Cents International to build the capabilities of financial services providers and youth-serving organizations in youth-inclusive financial services. At Freedom from Hunger, Ms. Porter led program strategy and managed delivery of integrated microfinance services to 1.2 million women and their families in 16 countries. Ms. Porter has provided technical assistance and training in strategic and business planning, product design, and organizational effectiveness and operational efficiency, and is experienced in program appraisal, design and evaluation. Ms. Porter is on the boards of the SEEP Network, the Bolivian MFI CRECER, the Smart Campaign, Child and Youth Finance International, and the YFS-Link initiative. She is also a founder of Women Advancing Microfinance (WAM)-International and past Chair of WAM-Northern California. Ms. Caroline Rozières Investment Officer, Financial Sector and Private Sector Development Unit Agence Française de Développement (AFD) Caroline Rozières is an investment officer at AFD where she appraises and supervises microfinance projects in Africa (Mali, Burkina Faso, Niger and Côte d Ivoire) and in the Middle East (Lebanon, Jordan). She has conducted projects involving both direct support to microfinance institutions and the strengthening of the financial infrastructure.

14 She worked for several years as an advocacy officer in international development NGOs in Brussels and Paris, before joining AFD in She collaborated on various articles and publications on development aid, such as Severino and Debrat s Idées Reçues: l aide au développement (le Cavalier Bleu, 2009). Caroline holds two Masters Degrees in public affairs and international law from the Paris Institute of Political Studies and the Panthéon-Assas University (Paris, France). Mr. Chuck Waterfield Chief Executive Officer MicroFinance Transparency Chuck Waterfield has 25 years of experience in microfinance, with a mixture of practical field experience (six years starting MFIs in both Haiti and Bolivia) and experience leading network strategy development (serving as microenterprise director for both MEDA and for CARE International). He developed Microfin, the most popular financial planning software in the microfinance industry and teaches business planning courses around the world, with more than 3,000 microfinance professionals having been trained in his courses. His current work as an independent consultant includes clients across the industry. Currently on faculty of Columbia University School of International and Public Affairs, he was formerly on the faculty of the Boulder Microfinance Training Program for ten years and Southern New Hampshire University s Microenterprise Development Institute for eight years. In addition to Microfin, he has a broad range of products and publications including the SEEP FRAME Tool, the CARE Credit and Savings Sourcebook, and CGAP Handbook on Management Information Systems. In 2008, he founded MicroFinance Transparency and works as the CEO.

15 Comité de Pilotage Les personnes suivantes ont contribué à l'élaboration et à la planification du Forum Africain de Leadership sur la Tarification Transparente en Microfinance, apportant leur contribution au programme, arrêtant la liste des participants invités et la conceptualisation globale de l'événement. M. Davy Serge Azakpame Directeur Exécutif Réseau Africain de Micro Finance (AFMIN) Davy Serge AZAKPAME, Directeur Exécutif de l AFMIN, a rejoint l AFMIN en En tant que Directeur Exécutif de l AFMIN, il a conçu des programmes régionaux et spécifiques aux pays, qui répondent aux besoins des membres des réseaux et au secteur de la microfinance en Afrique. Il a formé les dirigeants des réseaux aux outils et à l'analyse du suivi de la performance en Afrique et a organisé des conférences régionales et des formations sur différents thèmes (l Innovation, la Micro entreprise, la Gestion des Performances Sociales, le Financement Rural, le Suivi de la Performance, la viabilité des réseaux, l Evaluation des Réseaux). Il coordonne les projets et initiatives régionales de SPM et les initiatives de Protection des Consommateurs en Afrique. Il a travaillé comme consultant auprès du PNUD, du FENU, du MIX, de Women's World Banking, de la Frankfurt School of Finance and Management, de l'union Européenne et de Planet Finance. Il est également membre du Comité du Sommet Mondial du Microcrédit et la Social Performance Task Force. Il est titulaire d une maîtrise en Economie Agricole, spécialité Economie Rurale du Maroc. Ms. Alexandra Fiorillo Directrice des Opérations, Programmes Globaux MicroFinance Transparency En tant que Directrice des Opérations de MicroFinance Transparency, Alexandra supervise les programmes globaux et les opérations pour toutes les Initiatives de Tarification Transparente. Elle détient dix ans d'expérience dans le secteur de la microfinance avec des expériences en Afrique, Asie, Amérique latine et au Moyen-Orient. Avant de rejoindre MFTransparency elle a travaillé pour ACCION International dans les équipes de Développement Marketing et Produit et d Investissement Mondial. Avant ACCION, Alexandra a travaillé comme consultante en microfinance pour de nombreux organismes, dont Microfund for Women en Jordanie, le Projet d approfondissement du secteur financier en Ouganda de DFID, Agora Partnerships au Nicaragua, et Development Alternatives, Inc./USAID. Elle a bénéficié d une bourse Fulbright en Equateur pour conduire des recherches sur la microfinance rurale et indigène dans la jungle amazonienne. Alexandra est titulaire d'un Master en Affaires Internationales de l Université de Columbia et d une Licence en Economie et en Etudes latino-américaines du Connecticut College ou elle a écrit sa these avec distinction sur Banco Solidario en Equateur. M. Djibril Maguette Mbengue Spécialiste en Microfinance Groupe Consultatif d Assistance aux Pauvres (CGAP)

16 Djibril a rejoint le CGAP en 2007 en tant que membre de l équipe Afrique et a participé aux activités «Gouvernement & Politiques et Bailleurs de fonds /Investisseurs». En 2009, il est devenu membre de l équipe Gouvernement et Politique du CGAP, qui s est concentré sur les questions et les activités de l'afrique Subsaharienne. Depuis 2011, il mène les activités «Réglementation et Supervision» du CGAP. Djibril travaille en tant que formateur pour les cours du CGAP en gestion financière et opérationnelle pour les IMF et les bailleurs de fonds-investisseurs et il est membre de la faculté de microfinance de Boulder depuis Avant de rejoindre le CGAP, il était gestionnaire technique de portefeuille au sein du Fonds d Equipement des Nations Unies où il a été impliqué dans plusieurs projets de finance inclusive en Afrique occidentale et centrale. De 2000 à 2004 il a travaillé comme Directeur des Opérations de REMIX, une firme de consultation en microfinance. Auparavant, Djibril était responsable du contrôle interne au Crédit Mutuel du Sénégal, un réseau de coopératives d'épargne et de crédit. Il possède un Master en administration des affaires et parle l'anglais et le français. Ms. Beth Porter Conseillère en matière de Politique, Inclusion Financière Fonds d Equipement des Nations Unies (FENU) Ms. Beth Porter a plus de vingt ans d'expérience en microfinance et en développement organisationnel dans 30 pays d Afrique, d Asie et d Amérique Latine. Ms. Porter est conseillère en matière de politique au FENU, où elle fournit des orientations et un appui à l'équipe mondiale sur l'inclusion financière. Auparavant, elle a lancé et dirigé l'initiative YFS-Link Initiative à Making Cents International afin de renforcer les capacités des prestataires de services financiers et des organisations de services financiers inclusifs au service des jeunes. A Freedom from Hunger, Ms. Porter a dirigé la stratégie du programme et géré la prestation de services de microfinance intégrée à 1,2 million de femmes et à leurs familles dans 16 pays. Ms. Porter a fourni une assistance technique et des formations en planification stratégique et opérationnelle, en conception de produits, en efficacité et effectivité organisationnelle et dispose de l expérience en évaluation, conception et évaluation de programmes. Ms. Porter siège au Conseil d Administration du Réseau SEEP, de l IMF bolivienne CRECER, de la Smart Campaign, de Child and Youth Finance International et de l'initiative YFS-Link. Elle est également un des fondateurs de Women Advancing Microfinance (WAM)-International et présidente sortante de WAM-Californie du Nord. Ms. Caroline Rozières Chargée d Investissement, Unité Secteurs Financiers et Développement du Secteur Agence Française de Développement (AFD) Caroline Rozières est chargée d'investissement à l'afd, où elle évalue et supervise les projets de microfinance en Afrique (Mali, Burkina Faso, Niger et Côte d'ivoire) et au Moyen-Orient (Liban, Jordanie). Elle a mené des projets impliquant à la fois un soutien direct aux institutions de microfinance et le renforcement de l'infrastructure financière. Elle a travaillé pendant plusieurs années comme responsable du plaidoyer dans des ONG internationales de développement à Bruxelles et à Paris, avant de rejoindre l'afd en Elle a collaboré à divers articles et publications sur l'aide au développement, tels que Idées Reçues: l aide au développement de Severino et Debrat (Le Cavalier Bleu, 2009). Caroline est titulaire de deux diplômes de maîtrise en affaires publiques et droit international de l'institut d'etudes Politiques de Paris et de l'université Panthéon-Assas (Paris, France).