1.	Name:	Larry Hendricks
2.	Date of birth:	May 5, 1947
3.	Nationality	Canada and US
5.	Education:	Institution		From		To		Degree or diploma
		University of Alberta		1969		1977		MA in Community Development
		Northern Arizona University		1965		1969		BSc Social Anthropology
6.	Other training	Supplemented by numerous conferences and courses in leadership, financial and human resource management, systems and communications including: Micro Credit Summit, 1997; Global Knowledge Conference, 1997; Lead 21, 1996; Small Enterprise Education and Promotion Network (SEEP), 1994 and 1996; Cost Effectiveness of (Micro Credit) Organizations providing Non-Financial Services, 1995; IFAD Hunger and Poverty Conference, 1996; Asset/Liability Management, 1990; Strategic Planning, 1990; Competent Toastmasters (CTM) designation, 1988; Thinking for a Change, 1988; Leading Change, 1987; Energy Economics and Life Cycle Costing, 1982; Project Management, 1982; Warehouse Receipts, 2005.
7.	Membership in professional societies:	Credit Union Central of Canada - Board of Directors, Executive and Audit Committees, 1988-1990. Credit Union Central of Alberta - ($387 million) President and Chairman, Board of Directors, 1988-1990; Director, 1987-1990; Policy Committee, 1987; Chairman, Compensation Committee, 1987-1990. Credit Union Chapter 3 - Vice Chairman, 1986-1989; Executive Committee, 1985-1990; Delegate, 1980-1990. Capital City Savings and Credit Union - ($640 million) Board of Directors, 1980-1990; participated on Audit, Credit, Ombudsman, Marketing, and Facilities Committees. Involved in one voluntary and one forced merger
8.	Countries of work experience:	Argentina, Costa Rica, El Salvador, Guatemala, Haiti, Jamaica, Mexico, Peru, St Lucia, Trinidad, Cameroon, Ghana, Kenya, Mozambique, South Africa, Tanzania, Uganda, Zimbabwe, Afghanistan, Australia, China, India, Indonesia, Japan, Korea, Kyrgyzstan, New Zealand, Philippines, Singapore, Sri Lanka, Thailand, Viet Nam, Belgium, Bulgaria, France, Germany, Ireland, Italy, Sweden, Switzerland, United Kingdom
9.	Language and degree of proficiency:	Language	Speaking		Writing		Reading
		English	Mother Tongue		Mother Tongue		Mother Tongue
10.	Key Relevant Experience	Mr Hendricks has in depth experience as a Senior Consultant and Manager, with core competence in microfinance, enterprise development, small and medium enterprises, and cooperatives. Mr Hendricks has experience in establishing, implementing, monitoring and evaluating these programs. He has conducted detailed independent assessments of potential partner microfinance institutions for receptiveness and capacity to implement with the microfinance programs. Through his work Mr Hendricks has demonstrated his ability to work with local institutions to set up and improve existing microfinance programs. He has experience developing and delivering training courses, including income diversification, marketing, business planning and product development. Mr Hendricks has had extensive experience working in remote areas and is familiar with the complexities associated with rural development. He brings over 25 years of management and leadership experience to assignments and is able to apply that experience by making practical assessments of a situation and implementable recommendations. At present he is the President and CEO of Hendricks and Associates and has successfully completed contracts with private firms, ADB, AusAID, CIDA, UNDP, USAID and NGOs in Asia, Africa, Americas and Canada.
11.	Employment record:
	Date	From March 1998 To Present
	Employer	Hendricks & Associates
	Position	President & CEO
	Duties	Accountable for overall operation including Business Development, Profit and Loss. Accomplishments: Successfully completed contracts with private firms, ADB, AusAID, CIDA, UNDP, USAID, and NGOs in Canada, Asia, Africa and Americas.
	Date	From April 2005 To August 2005 (4 Months)
	Employer	TA-4334 AFG: Capacity Building for Policy Reform - ADB
	Position	Rural Finance Specialist
	Duties	Conducted a study on the feasibility of a pilot warehouse receipts system in four provinces of Afghanistan by assessing the gaps in the financial sector, surveying four provinces, identifying the challenges, risk and risk mitigation strategies and approaches that would permit a pilot to move forward. Prepared a proposal for the implementation of a pilot in one province that was included in the Ministry of Agriculture’s Master Plan.
	Date	From June 2005 To July 2005 (2 Weeks)
	Employer	Microfinance Investment and Support Facility Afghanistan (MISAFA) – World Bank
	Position	Credit Union/Cooperative Specialist
	Duties	§ Conducted an assessment of WOCCU’s approach and progress to-date in Afghanistan in building sustainable credit unions, and a viable support structure for those credit unions. § Prepare a report that includes an assessment of WOCCU’s methodology, approach, progress, and potential in Afghanistan, adherence to best practices, and recommendations for funding. § Review and evaluate ACDI/VOCA’s proposal to establish farmer credit cooperatives in Afghanistan, based on their Russia program. Prepare a short assessment of the feasibility and suitability of this model in Afghanistan.
	Date	From November 2004 To January 2005 (5 Weeks)
	Employer	MEDA – PVC Matching Grant Evaluation, Peru, Mozambique, USAID
	Position	Institutional Capacity Building Evaluation Specialist
	Duties	Conducted an institutional capacity evaluation of an NGO to assess capacity building at headquarters, its solidarity-lending program in Mozambique and its Business Development Services (BDS) program in Peru.
	Date	From June 2004 To November 2004 (4 Months)
	Employer	TA 4068-KGZ: Capacity Building for Savings and Credit Unions and Microfinancial Systems – ADB
	Position	Financial Institution (Off-Site) Supervision Specialist
	Duties	Worked with the National Bank of the Kyrgyz Republic (NBKR) on off-site supervision of credit unions and microfinance organizations. § Advised the credit union apex on the development of its Turnaround Plan. § Conducted an organizational review of the credit union apex. § Proposed an apex level risk management (credit scoring) system for lending to credit unions. § Made a presentation on a proposed Stabilization Fund. § Advising the NBKR about different methods and strategies for financing supervision of Savings and Credit Unions. § Conducted an analysis of credit union regulations and made recommendations about how to harmonize these regulations with microfinance organizations. § Directing the efforts of the SCU Supervision Specialist in developing appropriate on and off-site SCU supervision systems that are harmonized with systems developed for microfinance organizations. § Prepared a concept paper on the potential of the micro-financial sector in Kyrgyzstan.
	Date	From April 2004 To April 2004 (2 Weeks)
	Employer	Microfinance Investment and Support Facility Afghanistan (MISAFA) – USAID
	Position	Rural Microfinance Specialist
	Duties	Conducted an independent assessment of the Aga Khan Development Network’s rural microfinance methodology. The review included: § An assessment of existing loan products and delivery methodology to identify potential design and delivery weaknesses was conducted. § Recommend on changes to the loan procedures that will improve loan product design and delivery. § Draft changes to the existing loan procedures to reflect changes identified. If no significant change in the loan product is justified, prepare a written explanation for that finding.
	Date	From March 2004 To April 2004 (3.5 Weeks)
	Employer	Microfinance Investment and Support Facility Afghanistan (MISAFA) – USAID
	Position	Agricultural Finance Advisor
	Duties	Conducted an assessment of the microfinance market opportunities in Kandahar and Lashkagah (Helmand). The study, “Microfinance Market Analysis in Southern Afghanistan,” was done in collaboration with a consulting company who conducted a survey of traders and farmers in both locations to fill in the gaps in the available literature. The study focused on the constraints and options for mitigating risks facing MFIs should they be interested in setting up operations in Kandahar and Lashkagah. The major issues being staff security, staff recruitment, cash transfer and available infrastructure. Incentives donors could provide MFIs were identified along with a review of literature on Lending and Poppy Production.
	Date	From November 2003 To February 2004 (2 Months)
	Employer	Reconstructing Afghanistan Agriculture Markets Program (RAMP) – USAID
	Position	Rural Finance Specialist
	Duties	As part of a team assessed the demand side for SME lending to the agricultural sector. The assessment included farm input traders, agro-processors and agro-cooperatives. Loan delivery agents and delivery mechanisms were identified. Lead a team to assess the supply side for SME lending to the agricultural sector. The assessment focused on banks, non bank financial institutions and business development services and included a Product Development Plan, Technical Assistance Requirements, Performance Indicators, Implementation Plan, Management Plan including human resources and budget.
	Date	From June 2003 September 2003 (3 Months)
	Employer	TA 4068-KGZ: Capacity Building in Savings and Credit Unions and Microfinancial Systems – ADB
	Position	Financial Institution (Off-Site) Supervision Specialist
	Duties	Developed a microfinance off-site supervision system for the National Bank of the Kyrgyz Republic. § Reviewed the recently enacted microfinance legislation and regulations on microfinance and provided advice on credit union regulations; § Assessed the capacity of NBKR to effectively regulate MFIs; § Prepared the methodology, call report formats, policies, and procedures for carrying out off-site supervision of MFIs, and summarized these in a manual on off-site supervision; and § Provided on-the-job training including ratio analysis.
	Date	From February 2003 March 2003 (6 Weeks)
	Employer	Strengthening of the Cameroon Co-operative Credit Union League (CamCCUL) and its Affiliates - CIDA
	Position	Human Resources Specialist
	Duties	Conducted a comprehensive human resources assessment including: § Assessment of human resources practices based on interviews of 20 professional staff (one third of the professional staff) and an Organizational Effectiveness/Climate Survey; § Proposed an alternative organizational chart; § Prepared job descriptions and candidate profiles for 8 key positions; § Assessed the reconfiguration plan and proposed a method of using this system to involve credit unions in defining the direction of CamCCUL to a greater degree. § Reviewed and assessed personnel policies including classification and performance appraisal practices and drafted a recruitment and selection policy; § Proposed a Quality Survey for credit unions to assess CamCCUL services; § Recommended new salary scheme that introduces new base salary and an incentive compensation program based on performance; § Proposed a Human Resource Department work plan (2003-2004) including a priority listing of human resources and operational issues identified during the assessment of professional staff and an outline of a proposed Code of Conduct for Board and staff in the credit union system.
	Date	From September 2001 To March 2004 (7.7 Months)
	Employer	Chongqing Comprehensive Poverty Alleviation Project (CCPAP) - AusAID
	Position	Microfinance Specialist
	Duties	Designed the approach to the rural finance element of this project based on a sustainability-focused exit strategy. Activities included: § An investigation and assessment of potential service providers and alternative delivery agents, including the Agricultural Bank and Rural Credit Cooperatives § Preparation of an agreement for selected service providers. § Developed an annual workplan for the microfinance component of the Project. § Lead a study tour of 10 participants including Government and service provider representatives, visited a number of projects using different models of village-level microfinance, including the AusAID-funded Qinghai Project. § Designed the Rural Finance Program as an outcome of the study tour, using participatory methods with study tour participants. § Prepared an operations manual for the implementation of the Rural Finance Program by the Rural Credit Cooperatives. § Developed and delivered a series of related workshops to the Rural Credit Cooperatives and senior Government official, covering all aspects of the Program including delinquency. § Monitored the implementation of the microfinance program, provided training and took corrective action as required.
	Date	From October 2002 To October 2002 (3 Weeks)
	Employer	Capacity Building for Participatory Poverty Alleviation in China - AusAID
	Position	Finance Specialist
	Duties	Prepare and present three papers on the financial aspects of participatory poverty alleviation and made recommendations about possible future action in this area. The title of the presentations are: § Rural Financial Reform § Poverty Fund Management and Monitoring § Participation in Financial Reform
	Date	From October 2002 To October 2002 (1 Week)
	Employer	Sustainable Microfinance to Alleviate Poverty (SMAP) - UNDP
	Position	Microfinance Specialist
	Duties	Prepared and presented two microfinance training courses – business plans and product development. The business plan course included, the procedures, method and principles, SWOT analysis, financial projection financial assumptions, sensitivity analysis for alternate strategies, and productivity management. The Product development course included, method of market survey, criteria for testing and defining client needs, how to define the prototype, testing methodology, analysis of the potential impact of a new product, internal control, interest rate setting for profitability and cost control of a new product.
	Date	From June 2002 To July 2002 (4 Weeks)
	Employer	Review and Expansion of UNDP Micro Credit Activities in Sri Lanka - UNDP
	Position	Microfinance Specialist
	Duties	Reviewed the existing microfinance programs and made appropriate recommendations. Developed a UNDP and a Microfinance Action Plan with recommendations for implementation regarding integration and expansion of microfinance activities on a whole country basis in light of the ceasefire. Played a key role in the development of a project concept paper.
	Date	From November 2000 To December 2002 (8 Weeks)
	Employer	Poverty Alleviation Fund for Laid-Off Women Workers-Tianjin, China, UNDP
	Position	Microfinance Specialist
	Duties	Conducted a detailed independent assessment of banking arrangements and two detailed reviews the methodology of the urban microfinance program in Tianjin. Prepared a business plan for post project sustainability, developed a detailed annual workplan which included a human resource development training plan for the next two years and revised and updated the operations manual to meet the changing conditions. Made three presentations in at the Workshop on Women’s Self-employment and Job Creation in 2001 and one presentation at the Dissemination Workshop on Re-employment and Venture Creation for Laid-Off Women Workers in 2002.
	Date	From June 2001 To August 2001 (7 Weeks)
	Employer	MEDA – PVC Matching Grant Evaluation, Haiti, Mozambique, USAID
	Position	Institutional Capacity Building Evaluation Specialist
	Duties	Conducted an institutional capacity evaluation of an NGO to assess capacity building at headquarters, its solidarity-lending program in Mozambique and its community banking operation in Haiti.
	Date	From October 2000 To November 2000 (5 Weeks)
	Employer	Cluster Evaluation (3 Projects) and Project Revision/Extension (1 Project) China, UNDP
	Position	Team Leader/Microfinance/Microenterprise Specialist for a Cluster Evaluation of three projects
	Duties	Poverty Alleviation and Sustainable Development in Northwest Sichuan, China – End of project evaluation and microfinance institutional assessment of an integrated rural development project with a significant microfinance component. Team leader and microfinance specialist for a decentralized evaluation team. Promotion of Agenda 21, Sustainable Human Development Qomolongma Nature Preserve (QNP), Tibet – Post project evaluation, preliminary impact evaluation and microfinance institutional assessment of an integrated rural development project with a significant microfinance component. Team leader and microfinance specialist for a decentralized evaluation team. Handicraft Development for Poverty Alleviation in Qomolongma Nature Preserve (QNP) Tibet, - Midterm evaluation and microfinance institutional assessment of a handicraft development project with a significant microfinance component. Team leader, microfinance and microenterprise specialist. Designed a major revision/extension of an integrated handicraft, desert prevention project driven by microfinance in Tibet.
	Date	From November 2000 To November 2000 (1 Week)
	Employer	Poverty Alleviation through Community Forestry in Western Hubei Province, UNDP
	Position	Microfinance Specialist
	Duties	Developed a Village Banking framework and guidelines using Participatory Rapid Appraisal (PRA) to obtain local requirements for Hefeng County, Hubei, China.
	Date	From October 1998 To April 2000 (11 Weeks)
	Employer	Mozambique Microfinance Facility, Mozambique, CIDA
	Position	Microfinance Proposal Evaluation and Appraisal Specialist
	Duties	Project focused on developing indigenous capacity to lead donor financed microfinance institutions and capital to support their growth. Called in to provide a go/no-go evaluation of draft proposal, clean up and assist in the completion of the Project Approval Document; wrote the scope of work, bid requirements and evaluation grid for the project Request for Proposal and played a lead role in the evaluation of bids. Prepared terms of reference for monitoring Request for Proposal.
	Date	From May 2000 To May 2000 (2 Weeks)
	Employer	SR Telecom
	Position	Microfinance/Microfranchise Specialist
	Duties	Developed, for a private telecommunications company, a strategic framework and methodology for franchising telecentres in rural Ghana as a means of delivering telephone services remote communities.
	Date	From January 2000 To April 2000 (4 Weeks)
	Employer	Community Credit Society of the Yukon, Canada
	Position	Credit Union Specialist
	Duties	Yukon Credit Union Business Case. Developed a business case for the reestablishment of a credit union in the Yukon considering current regulatory, economic and community support issues in light of a previous credit union failure in an environment where there is currently no legislation.
	Date	From April 1998 To November 1998 (17 Weeks)
	Employer	Micro-Enterprise/Micro-Credit Development Opportunities in Tanzania, CIDA
	Position	Microfinance/Credit Union/Capacity Building Specialist
	Duties	Participated in a pre-mission analysis of 16 micro credit/micro enterprise programs and 15 business services organizations in Tanzania and contributed to the design of five preliminary programs for field investigation. During and after the program planning mission sought out potential aid agency partners for capacity building.
	Date	From August 1990 To September 1997 (7 Years)
	Employer	Canadian Cooperative Association – Ottawa, Canada
	Position	Director, International Development
	Duties	Responsibilities: Senior manager, reporting to a committee of the Board quarterly, responsibility for overall leadership and day-to-day management and administration of the International Development Department, including consulting services to all aspects to the operation consisting of a portfolio of projects in more than 20 countries in excess of $50 million from various donor agencies. Accomplishments: Analysed trends, developed long-term vision and strategic plan that would diversify earnings and increase income. Improved effectiveness by raising the value of the project portfolio by 25% from $8 to 10 million in a period of cutbacks. Initiated a subsidiary company to meet emerging needs, and established more than 20 business alliances, which diversified sources of income and increased market share with net earnings more than $100,000 during the first year. Built working capital from 0 to over 60% of target in four years. Developed performance monitoring indicators for reporting success to members.
	Date	From October 1995 To September 1997 (3 Weeks)
	Employer	National Co-operative Association - South Africa (NCA-SA), CIDA
	Position	Program Manager/Monitor
	Duties	Guided the design, feasibility, start-up and initial monitoring of this 5 year, $4.5 million project. Participated in the first field monitoring visit and Annual Review Meeting as the representative of the executing agency.
	Date	From September 1996 To September 1997 (8 Weeks)
	Employer	Xinjiang Women’s Income Generating Project - Ministry of Foreign Trade & Economic Cooperation, CIDA
	Position	Program Manager/Project Assessment
	Duties	Assessed the feasibility of the savings and lending strategy and revolving loan fund. Guided the development and approval of the management plan. Negotiated the contract. Monitored the start up of the project.
	Date	From March 1995 To September 1997 (3 Weeks)
	Employer	Ghana Credit Union Development Assistance Program (G-CUDAP), CIDA
	Position	Program Manager/Project Assessment/Monitor
	Duties	Guided the feasibility study for the RBM design of this 6 year $4.5 million project. Lead the management plan team for the first results based contribution agreement. Monitored the implementation and progress of the project in this new format.
	Date	From March 1990 To September 1997 (10 Weeks)
	Employer	Village Bank Project - National Association of Co-operative Savings and Credit Unions of Zimbabwe (NACSCUZ), CIDA
	Position	Program Manager/Monitor
	Duties	Monitored the success of the RBM project. Evaluated the viability of the village banks. Studied the feasibility of solar power for operation of computers.
	Date	From March 1994 To September 1997 (6 Weeks)
	Employer	Co-operative Development in Asia - International Co-operative Alliance, Regional Office Asia and the Pacific (ICA-ROAP), CIDA
	Position	Project Manager/Monitor
	Duties	Monitored the progress of the project according to targets and made presentations on cooperative legislation good governance at two ministerial conferences.
	Date	From April 1994 To September 1997 (12 Weeks)
	Employer	Indonesia Co-operative Development Program (INCODAP II- FORMASI) - National Co-operative Council (DEKOPIN), Indonesia CIDA
	Position	Project Manager/Monitor
	Duties	Monitored the progress of the umbrella organization to its targets in both phases of the project. Guided the management and financial evaluation of the members in first phase of this bilateral project.
	Date	From September 1992 To September 1994 (4 Weeks)
	Employer	Co-operative Business Network (JUK) - DEKOPIN (Indonesian Co-operative Council), CIDA
	Position	Project Manager
	Duties	Assessed the feasibility within the context of good governance. Monitored the progress and viability of the project. Evaluated the replication potential of the project for other partners.
	Date	From March 1991 To April 1997 (8 Weeks)
	Employer	Central America Trade Project - Central American Co-operative Marketing Consortium (CCMC), CIDA
	Position	Program Manager/Monitor
	Duties	Provided keynote speech during feasibility/planning session that set direction for project. Monitored the project as it achieved over $1 million in verifiable trade transactions.
	Date	From October 1990 To September 1997 (9 Weeks)
	Employer	Increasing Women’s Involvement in the Savings and Credit Co-operative Movement, CIDA
	Position	Program Manager/Monitor
	Duties	Mediated and resolved a major conflict between the partner and field staff. Conducted a feasibility study that resulted in the redesign of the Revolving Loan Fund mechanism. Based on monitoring and ongoing audits transferred the project to another local partner.
	Date	From February 1992 To September 1997 (9 Weeks)
	Employer	Agricultural Co-operative Development in Viet Nam - Centre for Agricultural Extension Volunteers (CAEV), Vietnam, CIDA
	Position	Program Manager/Monitor
	Duties	Assessed the feasibility of three sites for model co-operatives. Monitored the progress of the agricultural, savings and credit and legislative components.
	Date	From March 1991 To September 1997 (10 Weeks)
	Employer	ACCU Institutional Development and Services - Asian Confederation of Credit Unions (ACCU), CIDA
	Position	Program Manager/Monitor
	Duties	Monitored the progress of the program and guided a conflict resolution session that resulted in a change in management. Led a workshop designed to evaluate the core costs and determine the feasibility of the organization’s sustainability and assessed credit union legislation.
	Date	From April 1990 To September 1996 (8 Weeks)
	Employer	Establishment of a National Credit Union Movement - Savings and Credit Co-operative League of South Africa (SACCOL), CIDA
	Position	Program Manager/Governance Advisor/Monitor
	Duties	Led a feasibility and financial viability study of the micro finance system, monitored the development of the system, Advised on legislation and good governance.
	Date	From February 1991 To February 1996 (7 Weeks)
	Employer	Credit Union League Development Program - Credit Union League of Thailand (CULT), CIDA
	Position	Program Manager/Monitor
	Duties	Monitored the technical assistance, provided comments of government credit union regulations and viability on the business development service. Evaluated the success of the program.
	Date	From March 1991 To March 1996 (10 Weeks)
	Employer	Sri Lanka Credit Union Development Program (SRICUDAP) - Federation of Thrift and Credit Co-operative Societies (SANASA), CIDA
	Position	Program Manager/Governance Advisor/Monitor
	Duties	Guided the design of the project. Monitored the performance of the program and the system and provided good governance advice to the chairman. Led the mid term and final evaluation of the project.
	Date	From November 1990 To November 1995 (7 Weeks)
	Employer	Environmental and Sustainable Development - National Co-operative Council of Sri Lanka (NCC), CIDA
	Position	Program Manager/Feasibility Assessment/Monitor
	Duties	Assessed the feasibility of the lending program. Monitored the lending and environmental training components.
	Date	From July 1990 To September 1994 (5 Weeks)
	Employer	Support for Women in Co-operatives - Self Employed Women’s Association (SEWA), CIDA
	Position	Program Manager/Monitor
	Duties	Monitored the loan program and artisan marketing components of this project.
	Date	From August 1990 To October 1994 (6 Weeks)
	Employer	Women and Credit - African Confederation of Co-operative Savings & Credit Union Associations (ACCOSCA), CIDA
	Position	Program Manager/Project Feasibility/Monitor
	Duties	Monitored the quality and design of capacity building and women in credit projects. Led a feasibility study that examined core versus project costs to determine viability of the organization.
	Date	From August 1990 To September 1994 (8 Weeks)
	Employer	Costa Rica Co-operative Development Assistance Project - Instituto Nacional de Fomento Cooperativo (INFOCOOP) and Banco Federado, CIDA
	Position	Program Manager/Monitor
	Duties	Monitored the project and successfully mediated a conflict which stalled lending.
	Date	From August 1990 To September 1993 (5 Weeks)
	Employer	STAFCO-OP Pig Operational Fund and Interim Management - St. Lucia Association of Farmers’ Co-operatives (STAFCO-OP), CIDA
	Position	Program Manager/Monitor/Evaluator
	Duties	Monitored the project and successfully mediated a conflict between the government and the partner. Evaluated the long-term viability of the partner and decided to withdraw.
	Date	From August 1990 To October 1992 (3 Weeks)
	Employer	Indonesia Co-operative Development Assistance Program (INCODAP) I, CIDA
	Position	Project Manager/Enterprise Specialist
	Duties	As Program Manager, provided the overall strategic direction to the program. As an Enterprise Specialist, provided performance measurement and assessment services through the regular review of reports, staff interviews and visits of both the individual micro enterprises and the umbrella organization. Also initiated and managed a thorough financial and management audit of the organizations involved in the initial phase as a means of planning who would be involved as ongoing members of the second phase. This audit was used as a lessons learned document to assist in the planning of the second phase.
	Date	From August 1990 To August 1994 (5 Weeks)
	Employer	Philippines Co-operative Development Assistance Program (P-CODAP), - National Confederation of Co-operatives (NATCCO), CIDA
	Position	Project Manager/Monitor
	Duties	Monitored the implementation of the mid term evaluation. Evaluated the conclusion of the project that received high marks from the Auditor General’s assessment.
12	Publications
		“Microfinance, Local Culture, and Development”, Development Express Vol. 1 2002-2003 CIDA
		“Designing Microfinance From An Exit-Strategy Perspective”, Journal of Microfinance Vol. 5, No. 1 (Spring 2003). Microfinance for the Poor Issue 2, 2003 in Chinese.