carlosani.com represents CARLOS ANI, an international consultant
About carlosani.com
Hello, I am Carlos Ani an international consultant on microfinance and SME Banking. My website is found in http://www.carlosani.com
I worked in development field for 25 years, of which 9 years was with CARE International. Designed, implemented and managed several multi-million dollar CARE projects, funded by USAID and DFID, related to microfinance development, cooperative strengthening, and institution building. Turned around a losing micro-lending project into a high performing project with excellent repayment, portfolio quality, savings mobilization and viability now called as SEEDFINANCE Corporation. I have more than 25 years of professional work in microfinance and SME development. My updated CV is in this website, just go to http://www.carlosani.com/home2/main/mainphp/sp308_my_cv_and_performance.php
For SEEDFINANCE Corporation, I just conducted recently a BRR and FRR seminar for 29 cooperative managers and staff coming from 3 large cooperatives in the Visayas and Mindanao.
That BRR seminar was held in Cebu City last February 11 to 14, 2009. The seminar was sponsored by SEEDFINANCE Corporation (a commercial financing company providing TA and wholesale funds to retail microfinance organizations in the Philippines) and was done in connection with the launching by SEEDFINANCE of a new SME loan product called MicroPlus.
I have just finished conducting a series of training seminars for Filipino bankers - coming from commercial banks, rural banks, cooperative banks, development banks and even from a few large cooperatives - about Risk-Based SME Lending . This work was connected with a KFW-funded Project to emhance the capacity of the Small Business Corporation (SBC) and its Partner Financial Institutions (PFIs) in the Philippines. My co-trainer was Mrs Celenita Francisco, a retired seasoned banker. We taught bankers how to use a credit rating system called 'Borrower Risk Rating' (or BRR for short)
We have done 8 BRR seminars in these places: Naga, Baguio, Makati, Cagayan de Oro, Tacloban, Cebu, Davao and another run in Makati, Metro Manila.
My updated CV is in this website, just go to http://www.carlosani.com/home2/main/mainphp/sp308_my_cv_and_performance.php
As a matter of habit, I collect news clips about microfinance , SME finance and banking in the Philippines.
To share them with others who share the same interest in those topics, I created a special Facebook account where I post opinions and news about microfinance, SME and development banking in the Philippines. It is called "Carlos Ani Phildevfinance". If you are in Facebook, please add me as a friend if you want to get some news about Philippine microfinance, SME and development-banking. I usually send 5 to 8 posts every week. Just click here ==>
I also created two blog websites which serves as online archivesof these news clips, and where you can get all the past news, posts and opinions (in case you missed them). Those 2 blog websites are both named Philippine Development Finance (PDF) and are found here and here .
A list of sample earlier news articles are listed on the right here. Some sample articles are listed below:
* CARD Microfinance raises money from capital market... * LandBank leads GFIs in lending to SMEs * First Sari-Sari store chain in the Philippines * BPI, Smart provide full mobile banking * Micro-finance helps landless women farmers * BDO Foundation opens Micro-Finance Center in Lagun... * Ayala Globe heightens remittance, microfinance bus... * BIR tries to improve its customer service * Microsoft dangles software for SMEs * The central bank continues to issue favorable regu... * Microinsurance Policy and Regulation in the Philip... * Rural banks hike capital through equity infusion, ... * SB Corporation launched the MSME Notes to help fin... * The financial crisis and microfinance: Risks and r... * Challenges of Establishing a Branchless Banking Sy... * RP one of the world’s best in Microfinance * Smart & rural banks tie-up for fund transfer
Go and check any of those 2 sites. As an alternative, you may subscribe to the blog posts through the RSS links there, and you will get regular emails as the sites are updated.
I have more than 25 years of professional work in microfinance and SME development. My updated CV is in this website, just go to http://www.carlosani.com/home2/main/mainphp/sp308_my_cv_and_performance.php
Worked in development field for 25 years, of which 9 years was with CARE International. Designed, implemented and managed several multi-million dollar CARE projects, funded by USAID and DFID, related to microfinance development, cooperative strengthening, and institution building. Turned around a losing micro-lending project into a high performing project with excellent repayment, portfolio quality, savings mobilization and viability now called as SEEDFINANCE Corporation.
For CARE Bangladesh, managed and assisted a large capacity building program for 60 small and mid-sized microfinance institutions in Bangladesh Designed several multi-million dollar microfinance apex projects in Bangladesh, Mongolia and Indonesia. Worked for the Asian Development Bank in assessing the microfinance sector in Mongolia. Evaluated major microfinance institutions and projects in Nepal, Bangladesh, Philippines, Indonesia and Sri Lanka. Evaluated leading and innovative microfinance organizations in Bangladesh, Philippines and Nepal for Plan International, and provided detailed recommendations to improve their effectiveness and efficiency. Designed a multi-million dollar microfinance project for CARE Indonesia, to be implemented in Java and East Kalimantan and funded by USDA and UNOCAL - April - August 2000.
For Rabobank Foundation, CordAid and Mercy Corps Indonesia, I conducted a quick survey of all the major Microfinance Technical Service Providers in Indonesia in February 2009 to analyze their operations, and provide recommendations on the various options for providing capacity building services to thousands of Indonesian MFIs.
Working with a team of international and local consultants of Frankfurt School of Finance and Management (formerly known as Bankakademie International) to provide institutional development and training assistance to the Small Business Corporation in the Philippines, focused on providing financial assistance to small, medium and micro-enterprises in the Philippines. Conducted a total of 10 seminars in different cities of the Philippines, attended by more than 245 bankers and MFI managers.
Designed a SME Risk-Based Lending training course, and I have conducted ten training seminars on Risk-Based SME Banking in the Philippines. This seminar includes how to design SME products, to identify clients, how to process SME loans, how to analyze risk factors, how to do a Borrower Risk Rating and Facility Risk Rating (following the principles laid down under Basel II), how to identify and mitigate risks, and how to do borrower and collateral monitoring. Several commercial banks and rural banks have started to do SME lending work as a result of these seminars. Germany's KfW Bankengruppe funds this on-going project, which ended November 2008
I have special skills in developing new innovative microfinance projects and designing new micro-financial and SME products for banks and financial cooperatives.
I have designed the SME Lending Program of SEEDFINANCE Corporation, a commercial finance company engaged in both microfinance and SME Lending. I designed the SME Lending guidelines, Borrower Risk Rating system, SME products, and the design of the initial piloting process. I have conducted training for top managers and field staff of SEEDFINANCE Corporation and three large cooperative financial institutions on the new SME products and lending processes, including the process for analyzing and mitigating credit risks.
For the ADB, AusAID and the Government of Papua New Guinea, conducted microfinance business planning courses for leading PNG MFIs, and conducted microfinance feasibility studies in Port Moresby, Bougainville, East Sepik, Southern Highlands, Eastern Highlands, all in Papua New Guinea, and also developed institutional audits, strategic plans and merger-integration plans for the merger of WMB Ltd (a licensed microfinance bank) with seven local PNG microfinance institutions to create a large national microfinance-oriented bank with multiple branches in different strategic parts of the country.
For IFC /World Bank, assessed the microfinance potentials in the Republic of Palau, and designed an appropriate microfinancing programme to be managed by the National Development Bank of Palau.
For DFID India and SIDBI (a Indian government development bank) Designed short microfinance courses for two management schools in India. For CARE and DFID, evaluated a large capacity-building microfinance project in India that is being implemented in three Indian states - Andra Pradesh, West Bengal and Orissa.
For the European Union and the Department of Agriculture (Government of the Philippines), evaluated and assessed a large microfinance project funded by EU located in Catanduanes, Philippines and assessed its long-term viability, especially with regards to its plan to convert into a regulated microfinance-oriented rural bank. For the European Union and AusAID, designed a new microfinance rural bank for the province of Bougainville in Papua New Guinea that will provide financial services to more than 30,000 clients.
For DFID Bangladesh, conducted a market research study in financial deepening in Bangladesh. With skills in coalition building, microfinance standards development. For USAID, helped establish the Philippine Microfinance Council - an association of microfinance organizations, banks, donors and government agencies - and facilitated the development of performance standards for the whole Philippine microfinance sector.
Board member, officer, Vice-Chairman and now Chairman of the Board of Directors of SEAD, now called as SEEDFINANCE Corporation, which is a Philippine 2nd tier MFI that provides capacity building and wholesale financing to 65 microfinance cooperatives in the Philippines, reaching out to 500,000 microfinance and SME clients in the Philippines. Working in a team, developed Staff Compensation Plans, Employee Code of Conduct, Staff Performance Management Systems, Corporate Governance, Pricing Plans, Business Plans, and a Credit Risk Management Manual for SEEDFINANCE Corporation.
Special skills in developing new innovative projects and designing new micro-financial products. Some skills in negotiating with donors and international funding agencies. Educational background: MBA, major in corporate finance. Recipient of several awards for academic and project excellence.Computer and Internet skills are good. Manages an international email discussion group on microfinance and poverty alleviation. Established DEVJOBS, an international resource for announcing jobs on development fields. DEVJOBS is now serving more than 100,000 development professionals worldwide. Manages 7 other websites as webmaster.
