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The Editors


To ensure the technical quality of material included in the Rural Finance Learning Centre, an Editorial Team is being established to monitor the topic structure and materials included in the Learning Centre. The editors help to identify resource gaps and materials, and bring to the attention of the Project Coordinator and Chief Editor events, innovations, training needs, etc. that should be addressed by the RFLC. Some members of the Editorial Team provide more detailed input in the form of writing abstracts, training guides and editor's notes. Editors are asked to promote the existence of the RFLC in the course of their professional activities and provide feedback on the reactions and comments of users from the user groups that they represent.


Jennifer Heney (Project Coordinator and Chief Editor)
Currently a Rural Finance Officer at FAO Headquarters; prior to this Jennifer has 12 years experience working in Africa in the field of farm management, agricultural credit and extension; over twenty years experience teaching financial management techniques to agricultural extension staff, agricultural development bank staff and students in agricultural colleges; and ten years experience supervising and teaching post-graduate students at the University of Edinburgh in extension, gender issues and rural enterprise development. She has undertaken numerous consultancy assignments to appraise and develop agricultural and micro-enterprise credit schemes or conduct training workshops.


Malcolm Harper 
An independent writer, researcher and consultant, working mainly in India; previously Professor of Enterprise Development at Cranfield School of Management. Malcolm has published some twenty books and numerous articles on various aspects of self-employment, enterprise development and micro-finance. He is Chairman of Basix Finance of Hyderabad, a leading ‘new generation’ micro-finance institution, and a Director of M-CRIL of New Delhi, the pioneer of micro-finance credit rating in Asia. He was also the founding Editor-in-chief of the journal Small Enterprise Development, and is a director and trustee of a number of other institutions, including, EDA (UK) Limited, APT Enterprise Development and Intermediate Technology Publications in the United Kingdom.


Ahmad Jazayeri
An experienced economist and a certified management consultant with 22 years experience in international development specializing in rural enterprise and small business development, rural and microfinance, pro-poor growth strategy, financial analysis, financial management, community development and governance. Ahmad has designed and implemented international development projects in agricultural development, small business development and financial services. He worked as an economist in IFAD, United Nations, Rome, Italy for 14 years in the area of strategic development planning, rural development, microfinance, and financial analysis in Africa and Asia. Since 1998 he has been involved in setting up and supervising member-owned financial institutions in East Africa and Central Asia with funding from international donors. He has taught short courses in financial management, microfinance, social capital, and international development at various universities in the UK and in Uganda. He is the author of a widely used book Economic Adjustment in Oil-based Economies, a seminal article on a microfinance methodology known as Financial Services Association, a recent article on lessons of member-based financial institutions from Tanzania and Uganda and various training manuals.


M.S. Sriram
Associate Professor in the Centre for Management in Agriculture at the Indian Institute of Management, Ahmedabad. As a Faculty member, Sriram's current teaching includes Management Accounting and Microfinance Management for the Post Graduate Programme at IIMA and Accounting and Finance in several short duration programmes. He has written many papers, taken part in task forces and expert reviews relating to rural finance and co-authored "Beyond micro-credit: Putting Development Back into Microfinance". The Sir Ratan Tata Trust has established a Research Fund at IIMA for undertaking research collaborations in microfinance. Currently Sriram is involved in three major research projects under this programme. These are:

  • Understanding financial flows of the poor and their attributes.
  • Documentation of transformation experiences of microfinance institutions in India.
  • Documentation of the experiences of banks in doing microfinance in India.


Dick Meyer
Professor Emeritus and Senior Research Specialist in the Department of Agricultural, Environmental, and Development Economics at The Ohio State University. Dick is author and editor of many journal articles, book chapters, papers, policy documents and other publications on the subjects of rural finance, microfinance sustainability, outreach and impact, deposit mobilization, rural household behavior and labour supply, rural nonfarm enterprises and economic development. He has taught university courses on agricultural finance and economic development as well as contributing modules on rural and agricultural finance to international short courses on microfinance.


Hans Dieter Seibel
Professor of Sociology and Head of the Development Research Center at Cologne University in Germany. From 1999-2001, he was Technical Adviser for Rural Finance at the International Fund for Agricultural Development in Rome and prepared IFAD’s rural finance policy. From 1988 - 91, he worked as GTZ team leader for the central bank of Indonesia and built the first national-scale microfinance project linking banks and self-help groups. In recent years, he has been working on a comprehensive financial systems approach to microfinance, the reform of agricultural development banks, and the establishment of member-owned local financial institutions. He has published some 30 books and 200 articles.


Calvin Miller
Currently Senior Officer, Rural Finance at FAO Headquarters in Rome; previously Director of the Economic Development Unit of CARE USA. Calvin's experience ranges from on-the-ground fieldwork as an agricultural economist and rural finance specialist to organizational and program management as the country manager of MEDA in Bolivia and then as MEDA’s director of microenterprise consulting. He is also on the Board of Directors of the Latin American Challenge Investment Fund (LA-CIF), SEAD - a Philippine microfinance apex institution, MicroVest and the SEEP Network.


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