GIZ, Tullow and KMFB Technical Proposal 6.3.2017

Fineline Systems and Management Limited
Inclusive Finance and Market Development

Consultants
Kabarnet Road
Nine Planets Apartments, Suite V8
P.O Box 54536-00200 NAIROBI, Kenya
Tel: +254 722 706445, +254-020-3873165/6
Website: www.finelinesml.com/
Contact Person: Alex Malla

Email:alexmalla@finelinesml.com, fsm@finelinesml.com
TECHNICAL PROPOSAL
CONSULTANCY TO ASSESS STRENGTH AND CAPACITY GAPS OF 20 SELECTED

SMES IN TURKANA COUNTY, SET THEIR BASELINE AND DESIGN A TAILOR
MADE PROGRAM TO ENHANCE HSE, BUSINESS AND TECHNICAL SKILLS
PRESENTED TO:
MARCH 2017
TABLE OF CONTENTS
TABLE OF CONTENTS i
1. TECHNICAL PROPOSAL SUBMISSION FORM i
2. INTRODUCTION 3
2.1 BACKGROUND 3
2.2 TURKANA COUNTY PROFILE 4
2.3 OBJECTIVE AND OUR UNDERSTANDING OF THE ASSIGNMENT 5
3. OVERALL APPROACH AND METHODOLOGY 5
Phase 1: Contracting and Inception 5
Phase 2: Baseline setting and gap assessment for selected SMES 7
Phase 3: Identification, sampling and selection of target SMEs 8
Phase 4: Stakeholders Mapping 9
Phase 5: Preparation of Training Curriculum and Plan 10
4. DELIVERABLES 10
5. FIRM REFERENCES 12
6. WORK PLAN 25
6. TEAM COMPOSITION 27
7. CV for Consulting 31
8. Company Profile 60
9. Company Registration/Certificate of Incorporation 73
Tax registration Certificate................................................................................................................... 74
Tax Compliance Certificate................................................................................................................... 76
1 TECHNICAL PROPOSAL SUBMISSION FORM
Dated: 7th March 2017

Fineline Systems and Management Limited (Fineline)
Suite V8, Nine Planets Apartments,
Kabarnet Road, Off Ngong Road
P.O Box 54536-00200, Nairobi
Office +254-(0) 724 253 304
Mobile +254 (0) 722-742880
Website: www.finelinesml.com
E-mail: fsm@finelinesml.com
To:
Country Director
GIZ Office Nairobi
Chase Bank Complex opp. Prime Bank
Riverside Drive, Westlane
Nairobi
Dear Sir,
RE: TECHNICAL PROPOSAL FOR CONSULTANCY TO ASSESS STRENGTH AND

CAPACITY GAPS OF 20 SELECTED SMES IN TURKANA COUNTY, SET THEIR
BASELINE AND DESIGN A TAILOR MADE PROGRAM TO ENHANCE HSE, BUSINESS
AND TECHNICAL SKILLS
We the undersigned wish to express our interest in performing the above named
services by way of bidding for Consultancy to assess strength and capacity gaps of 20
selected SMEs in Turkana County, set their baseline and design a tailor made
program to enhance HSE, business and technical skills in accordance with your
Request for Proposals. We are hereby submitting our Proposal, which includes this
Technical Proposal, [and a Financial Proposal sent separately). We note that we have the
necessary qualifications, expertise and capability to perform these consultancy services
and we thus look forward to working with you on this assignment.
We however, understand that you are not obliged to accept our proposal. Thank you in
advance.
We remain,
Yours Sincerely,
Alex Malla
Director Fineline Systems and Management Limited
P. O. Box 54536. Code -00200. Nairobi, Kenya.
2 INTRODUCTION
2.1 BACKGROUND
Infrastructure is a key component and indeed an enabler for long term development in the
economy of Turkana County. The County has not witnessed much development in regard to
infrastructure. To develop its infrastructure, the County intends to undertake the following
critical interventions;
 Increase investments in the road network and railway and oil pipeline components that
the Lamu Port-South Sudan-Ethiopia-Transport (LAPSSET) Corridor Project offers.
Investors must arise to the occasion and tap into these opportunities.
 Promote investments in building and construction industry. This is influenced by the
fact that Turkana County major constraints is inadequate office space and housing for
the growing population in the urban areas of Lodwar, Lokichar, Kakuma and
Lokichoggio.
Goals for Civil and Construction in Turkana County (2019)1

 Increase the road network from 2283Km to 2500Km
 Grading of existing roads and open new ones to ensure access to resources
 Construct additional 100 ECD, 200 primary and 100 secondary school classrooms
 Engage with Kenya Civil Aviation to upgrade Lodwar airstrip to an airport and tarmac
and upgrade airstips
 Ensure access to electricity and modern lighting from the current estimated 1% to 30%
of the population
 Support development of water and sanitation facilities in Lodwar, Lokichoggio, Kakuma,
Lokichar and Lokitaung.
The SMEs and local communities in the County experience several major barriers to
entering the supply chain. These barriers include, but are not limited to: failing to meet
minimum quality standards, lack of access to capital, inability to scale production, lack of
management training, poor business practices and health, safety and environment (HSE)
policies, among many others. As a result of these barriers to entry, many local SMEs and
communities find themselves unable to participate in lucrative supply chains; hence
international companies operating in the sector are forced to procure goods & services and
technical skills internationally, resulting in higher operational costs.
If local SMEs are prepared to participate competitively in this sector, they could benefit
significantly. Without positive intervention, it is expected that contractors in infrastructure,
oil and gas and other extractives industries will fail to find qualified local partners and
continue to procure imported services.
1
Turkana County Investment Plan 2015-2019
GIZ through E4D/SOGA-Kenya project seeks to recruit a consultant to assess the strength
and capacity gaps of 10 - 20 SMEs in the civil and construction sectors selected (using a
criteria) from a list of those proposed by Tullow, and KFMB respectively; and others located
within Turkana county, determine and set their baseline and design a tailor made program
to enhance HSE, business and technical skills.
2.2 TURKANA COUNTY PROFILE
Turkana county is the largest county in the country with a surface area of 68,680 km²
(excluding Lake Turkana). The county is bordered by Uganda to the west, South Sudan to
the north, Ethiopia to the north east, West Pokot County to the south, Baringo and Samburu
counties to the east. Marsabit county is located to the eastern shore of Lake Turkana
directly opposite Turkana County. Lodwar town is the County headquarters.
The Turkana people are the dominant community in the county, although several other
tribes such as El Molo have settled there over the years. The Turkana are nomadic
pastoralists who mainly keep cattle, donkeys, camels and goats. The animals are their main
source of food and wealth. The Turkana are the second largest pastoral community in
Kenya after the Maasai people.
 County’s geographic expanse of

77,000Km².
 The County lies between Longitudes

340 30‟ and 360 40‟ East and
between Latitudes 10 30‟ and 50 30‟
North.
 County population stood at 855,399

(KPHC 2009).
 According to the Cities and Urban

Areas Act of 2012, there is need for
improved infrastructural facilities
and social amenities in the towns.
Fig 1: Map of Turkana County
Despite a population of an estimated well over one million people, all products consumed
in the county are from Nairobi, Mombasa, Nakuru, Eldoret and Kitale.
2.3 OBJECTIVE AND OUR UNDERSTANDING OF THE ASSIGNMENT
We understand that the objective of this assignment is to strengthen 15-20 Small and
Medium Sized Enterprises/ civil and construction companies in Turkana to enable them to
respond to the needs of infrastructure, oil and gas industry as well as other extractives and
end users. It has been observed that many local SMEs and communities find themselves
unable to participate in lucrative supply chains; hence international companies operating in
the sector are forced to procure goods & services and technical skills internationally,
resulting in higher operational costs.
Multinational enterprises (like Tullow Oil) offer capable SMEs the opportunity to insert
themselves into global value chains through subcontracting linkages, while those that are
unable to do so increasingly face the danger of losing their existing markets. Economic
integration brings with it a striking increase in competition from imports, the entry of new
foreign investors and the strengthening of domestic, large firms that start to take over
traditional, mostly local SME markets. If local SMEs are prepared to participate
competitively in this sector, they could benefit significantly. Without positive intervention, it
is expected that contractors in infrastructure, oil and gas and other extractives industries
will fail to find qualified local partners and continue to procure imported services.
GIZ E4D/SOGA-Kenya will partner with Tullow Kenya and KFMB to develop business skills
of selected SMEs in the civil and construction sectors, while at the same time developing
also their HSE capacity to work safely and bid competitively in the extractives sector. This
would include supporting training on HSE, business development and technical skills.
3 OVERALL APPROACH AND METHODOLOGY
Fineline is aware that the overall aim of this assignment is to identify the challenges
selected local enterprises in the civil and construction sectors within Turkana County face
set their baseline; and recommend areas of improvement and capacity building.
There is an immediate and significant demand for quality goods and services and technical
skills that meet international investor standards. The sections below illustrate our technical
approach to addressing these capacity challenges and our capacity to undertake the
assignment.
Phase 1: Contracting and Inception
The following tasks will be performed within Phase 1:
Task 1-1: Contracting, briefing and planning: The assignment will commence with a
planning and briefing consultation to find a common ground on the understanding and
expectations of the assignment. The overall purpose for the meeting will be to restate and
clarify expectations, agree on work plan and mode of operation of The GIZ E4D/SOGA
program. The consultants will meet with the management team for the project, (and other
key stakeholders if necessary) to agree on the scope of the assignment and make logistical
arrangements and support to conduct the assignment.
After the initial meetings Fineline proposes to present to GIZ a revised detailed work plan
that will reflect the agreed upon process, division of tasks and responsibilities and
timeframe to complete the project objectives and deliverables. The consultants will also use
the meetings to collect relevant documents to supplement and enrich the consultants
understanding of The GIZ E4D/SOGA program operations in the region.
Signature of the contract will signify a start of this assignment. Preparation of the key staff
and mobilization of all other resources will follow immediately.
Task 1-2 - Initial briefing meeting: We propose that there be an initial meeting between
the consultancy team and the client. This meeting will be used to among others agree and
concretize on the deliverables, reporting requirements, establish contact persons for both
the client and the consultant as well as discuss the implementation framework.
Task 1-3: Literature review of key project documents: The consultants will review
available literature and documents and extract information on the business environment of
Turkana County. Fineline will also liaise with Tullow Kenya, Kenya Federation of Master
Builders and GIZ team to get fast hand information and clarification in the course of the
assignment. The literature will identify the following:
1. The market for civil and construction sectors financing in Kenya and Turkana
County.
2. Identifying civil and construction sectors value chains, major actors, risks and
financing opportunities. (banks, MFI, SACCOS and Cooperatives, NGOS, Government
programmes and other actors in agriculture financing)
3. Policy and regulation of civil and construction to support financing.
4. Partners and stakeholders in civil and construction financing.
In line with the ToRs, Fineline will use the preliminary results collected during literature
review activity to design the survey tools. The consultants in close consultation with GIZ,
Tullow Kenya and Kenya Federation of Master Builders (KFMB) will design the research
instruments: - questionnaires, focus group discussion guides and key informant interview
guides to ensure it meets the objectives for use during field work.
Fineline will develop tools/guides and instruments that will

i) Develop tools to determine/set the baseline of selected SMEs. The tools will be
incorporated in the Inception Report and presented to GIZ E4D/SOGA, Tullow Oil
and KFMB for discussion and final approval; and
ii) Assess the business and technical skills gaps of selected SMEs.
Output
 Study tools/guides/instruments
Task 1-4: Inception Report : Following completion of the literature review and other desk
work, the consultants propose to deliver brief inception reports to GIZ, Tullow Kenya and
Kenya Federation of Master Builders (KFMB) covering key findings from the reviewed
documents; incorporating, a detailed work plan, research tools to be developed, logistical
arrangements and other pertinent issues that will have been agreed at the kick-off meeting.
Output
 A draft inception report for discussion with GIZ E4D/SOGA, Tullow Kenya and
KFMB, detailing the approach and methodology and selection criteria for the SMEs.
Phase 2: Baseline setting and gap assessment for selected SMES
This phase will involve data collection using both the qualitative and quantitative
methodologies. According to the study’s ToRs, the consultant will:
i) Develop tools to determine/set the baseline of selected SMEs. The tools will be
incorporated in the Inception Report and presented to GIZ E4D/SOGA, Tullow Oil
and KFMB for discussion and final approval; and
ii) Assess the business and technical skills gaps of selected SMEs. During the study the
consultant will adhere to principles of confidentiality as agreed with the company to
ensure that the businesses are not harmed.
Task 2-1: Fieldwork/ Primary Data Collection
Fineline will utilize a hybrid research design that will combine both qualitative and
quantitative data collection techniques. The tools will be designed to explore in a rigorous
way and collect information on the baseline of the SMEs operating in the civil and
construction sector in Turkana County and their gaps in relation to management, practice
and operations. Fineline will conduct a SWOT analysis to assess the business operating
environment/ framework in the infrastructure, civil and construction sectors locally
(Turkana county) and nationally.
After the survey tools have been developed and agreed upon, Fineline will embark on
recruiting and training local enumerators on how to administer the research tools. This
process will be succeeded by field test and review of survey tools to improve on their flow,
effectiveness and correct challenges in their administration. This will be followed by the
data collection activities.
Data Interview with stakeholders (eg KCB, Housing Finance Foundation, KFMB and other
large housing projects, Ministry of Trade and Industrialization, National Housing
Corporation, National Construction Authority (NCA), county governments; and
development partners- World Bank, UNDP, DFID among others,) that are supporting SMEs;
and large construction companies.
While the team leaders will set protocols that will be followed to ensure that data collection
is carried out appropriately and efficiently. The consultants will take the roles of
supervisors and establish an effective system for collecting the completed data instruments
for analysis.
Fineline will use one-on-one (face-to-face) interviews with the SMES in the civil and
construction sector in turkana County as well as Key Informant (indepth) interviews with the
stakeholders. This will be preceded by definition of units of analysis, sampling framework
and sample size considered adequate for making conclusions.
Fineline will interview a representative number of SMEs in the civil, maintenance and
construction sector in Turkana County. This number is intended to be slightly more than the
20 SMEs that will be selected for the training in phase 3.
During the study the consultant will adhere to principles of confidentiality as agreed with
the company to ensure that the businesses are not harmed.
Output
 Baseline data for the SMES
 Gap analysis/assessment of SMEs
Phase 3: Identification, sampling and selection of target SMEs
This phase will form an important guide to conducting the training exercise as it will enable
the consultant to interview the targeted SMEs and identify the training gaps. The
Consultant will use data collected from the second phase and already agreed upon criteria
for selection of the 15-20 SMEs to be trained.
Fineline will work with Tullow Kenya, Kenya Federation of Master Builders and GIZ
E4D/SOGA to:
i) Develop criteria for selection of SMEs/ beneficiaries; and
ii) Select and recruit 20 SMEs/ beneficiaries to be engaged in the program.
At least 15-20 SMEs will be targeted. Fineline envisions the criteria for selecting the
possible participants will include but not limited to: activeness in value chains of interest
(civil works and maintenance and construction), location of premises in the County etc.
After this exercise, Fineline will in consultation with GIZ, Tullow and KMFB select the 15-20
SMEs that will be trained. This will be inline with the set criteria that will have already been
agreed upon.
Output
o Selected SMEs
Phase 4: Stakeholders Mapping
The tasks in this phase will be undertaken during the literature review in Phase 1 and during
the primary data collection in phase 2.
Task 4-1-Stakeholders mapping: This will include identifying relevant support

organizations and institutions that will ensure that the SMEs run their businesses smoothly.
The options available to SMEs are closely related to the quality of institutions, markets and
organizations that constitute the business environment. It is the efficiency and effectiveness
of institutions, markets and organizations that encourage or discourage SMEs to take their
cues for learning new ways of doing business
There are many private and public stakeholders and programs supporting the civil and
construction sectors within the county and the country at large. The consultant will
i) Identify and assess the current projects in the civil and construction sectors in the
country to determine the path that the industry is taking;
ii) Identify and interview organizations (private- e.g KCB, Housing Finance Foundation
and other large housing projects; public- eg National Housing Corporation, National
Construction Authority (NCA), county governments; and development partners-
World Bank, UNDP, DFID among others,) that are supporting SMEs; and large
construction companies nationally and locally within Turkana county.
Key information to be captured will include: Current operations, scale, income, expenditure,
loans, savings; relationships and linkages with supporting value chain institutions; types of
financial services and products available, their appropriateness, and prevailing levels of
access to them; other business enabling opportunities; Business management and
organizational skills and key capacity gaps in relation to doing business.
Fineline will use Key Informant Interviews (KIIs) and mystery shopping to conduct this
exercise. The mystery shopping will be used mainly to identify the financial and non-financial
institutions that are in Turkana County. The indepth interviews will be used to identify the
programs and products that are accessible to the SMEs in the civil, maintenance and
construction sector operating in Turkana County.
Phase 5: Preparation of Training Curriculum and Plan
This phase will be guided by information on training gaps that will result from the study of
SMEs carried out in Phase 1.
Task 5-1 - Preparation of Training Curriculum and Plan: After the identification of the
training needs, Fineline team will prepare a training curriculum and plan as appropriate.
Fineline in developing the curriculum will identify the training approach to be used to train
the SMEs the targeted SMEs. These will (may) borrow from other standard training
curriculums/manuals. All training curriculums/plan will be shared with the client.
Output
 Training Curriculum and Plan
Task 5-2 - Report Writing & Training Plan : Following completion of the selection of the
SMEs, stakeholders mapping and development of the training curriculum, Fineline will use
best-practice methods in qualitative and quantitative data analysis (including triangulation
of information from literature reviews with the collected primary data) in order to compile
a comprehensive report addressing all the expected deliverables.
The reports will clearly articulate in training curriculum and training plan for the
implementation of the training to strengthen the capacity of SMEs in the civil and
construction sectors. The training content will include business management training, poor
business practices and health, safety and environment (HSE) policies, among many others
The reports are expected to include

o Background of the assignment
o Objectives
o Methodology
o Description of companies assessed, including potential for job creation and income
generation
o Mapping potential SMEs
o Baseline data for the selected SMEs
o Capacity Gap Assessment of the selected SMEs (based on SWOT analysis)
o Road map and plan for delivery of training
o Conclusions and recommendations
4 DELIVERABLES
The following deliverables are expected from the consultants

 A draft inception report for discussion with GIZ E4D/SOGA, Tullow Kenya and
KFMB, detailing the approach and methodology and selection criteria for the SMEs.
 Final Inception Report
 Draft report containing
o Background of the assignment
o Objectives
o Methodology
o Description of companies assessed, including potential for job creation and income
generation
o Mapping potential SMEs
o Baseline data for the selected SMEs
o Capacity Gap Assessment of the selected SMEs (based on SWOT analysis)
o Road map and plan for delivery of training
o Conclusions and recommendations
 A final report
5 FIRM REFERENCES
Fineline is a leading microfinance and enterprise development consulting firm

incorporation in Kenya in 1997 and, has over the years, established a specialization in
microfinance capacity needs assessment, training and technical assistance; market research
and product development for Banks, Microfinance Institutions (MFIs) and SACCOs;
conducting baseline surveys; managing transformation and change management training;
business development services (BDS) and market systems development; agricultural
market linkages; design and development of rural finance/development programmes;
institutional capacity building for commercial banks, MFIs and SACCO; design and
development of accounting and management systems for these institutions. Fineline has
experience in working with a cross-section of institutions in Kenya and in the Sub-Saharan
Africa region. Fineline’s lead consultants and associates have over 20 years’ hands-on
experience in its core business areas and are drawn from diverse training backgrounds
including: organizational development; human resource management; business education;
finance and accounting; development finance; economics; enterprise development;
strategic management; marketing; management information systems; agricultural
development and extension services; sociology; and policy analysis.
Fineline has extensive experiences in conducting

 Baseline surveys
 Smes capacity gaps assessment
 Development of training curriculums, training plans, training materials
These experiences are as highlighted below
REF 1 PROJECT CHANGE MANAGEMENT
TITLE
Name Count Overa Proporti No of Name of Origin Dates Name
of legal ry ll on staff client of (start/en of
entity projec carried provid fundi d) partne
t out by ed ng rs if
value legal any
(EUR) entity
(%)
FINELI KENYA USD 100% 15 Alliance IFAD Nov 2016 None
NE 855,0 for a Dec 2018
00 Green
Revoluti
on in
Africa
(AGRA)
Description of project Type of services provided
The Programme for Rural Outreach of AGRA has contracted Fineline Systems and
Financial Innovations and Management Limited to provide consultancy
Technologies (PROFIT) is services for Capacity Building of Barclays Bank,
implemented under the Directorate of SMEP Microfinance bank and SMEs in Western,
Budget, Fiscal and Economic Affairs Nyanza and Rift valley region. The four value chain
with funding from the Government of being targeted are Cereals, Dairy, Livestock and
Republic of Kenya (GoK) and Horticulture. The scope of work includes:
International Fund for Agricultural SMEP and Barclays
Development (IFAD). PROFIT spans (i) Strategy development– PFIs to be
over 8½-year period (2010-2019). supported to articulate clear visions and
The Programme is funded by the strategies for agricultural lending with
International Fund for Agricultural specific and clear goals that are quantified
Development (IFAD) and Government and time bound. The PFIs to be guided so
of Kenya and implemented under the that their goals indicate factors such as:
National Treasury. The overall goal of  Which of the PROFIT identified four
PROFIT is to contribute to the value chains will the PFI focus on
reduction of poverty in rural Kenya. Its based on its strength?
aim is to reach 800,000 smallholder  What distinctive capability needs to
farmers, artisanal fishermen, be built in each segment i.e.
pastoralists, women, landless distribution footprint; technology
labourers and youth. The PROFIT platforms to use for disbursing
development objective is to increase loans; credit scoring tools to assess
incomes of the target group as a result credit-worthiness?
of improved production, productivity (ii) Building of strong lender capabilities:
and marketing in the various rural PFIswill to be supported to build their
enterprise sectors. Through PROFIT, capabilities in agricultural lending and
three development outcomes are learn how to manage and reduce their
expected: inherent risks.
 Outcome 1: Enhanced and (iii) Streamlining of internal credit
systemically sustainable access and risk assessment processes: This will
of poor rural households to a involve supporting PFIs to develop more
broad range of cost effective appropriate credit and risk assessment
financial services; processes to enable them make better
 Outcome 2: Target group quality loans and manage agricultural
effectively manages assets, portfolio risks.
markets produce and increases (iv) Support development of lending
employment; models and products: Lending models
 Outcome 3: Efficient and cost should be tailored to specific parts of the
effective use of programme and value chain, their risks, and transaction
complementary donor costs. Products will need to be tailored to
resources to achieve the the different types of borrowers depending
development objective. on the size and business. Some banks may
The expected outcomes are pursued lend through off-takers, processors at the
through three programme top of the supply chain or aggregators.
components: (i) Rural Finance Smaller banks with rural networks lend
Outreach and Innovation with its through farmer organizations or organized
associated sub-components of Risk SMEs. The use of ICT-based services is fairly
Sharing Facility (RSF) and Credit well established for PROFIT target groups.
Facility (CF); (ii) Technical Support Wherever necessary and feasible, AGRA
Services with its associated sub- will support the banks to develop or modify
components of Business Support and roll out products that make use of ICT.
Services (BSS) and Financial
Graduation; and (iii) Programme SMEs Western, Nyanza and Rift Valley regions
Management.  Personal financial management:
Technical assistance will be provided that
will enable borrowers to better map their
income and expenditure/cash flow. They
will also be helped to understand the risks
they face due to the circumstances that
surround them such as weather, pests and
disease, etc.
 Finance and insurance for agriculture:
Borrowers will be provided technical
assistance on the role of savings and loans
products in smoothing their cash flows; and
also on the role of insurance in managing
certain risks. Borrowers will be provided
examples of savings, loan and insurance
products, and how they work e.g. interest
rates, insurance premiums etc;
 Accessing finance: Borrowers will learn
about the typical steps in applying for
banking products, including information
required on a loan application and using
ICT to access the services;
 Business plans: A central component of
loan applications across the value chain is a
business plan. Borrowers will be helped to
understand the key components of a
business plan.
REF 2 PROJECT TECHNICAL SUPPORT FOR ESTABLISHMENT OF TWO

TITLE DAIRY SACCOS IN ZAMBIA
Name Count Overa Proporti No of Name Origin Dates Name of
of legal ry ll on staff of of (start/en partners
entity proje carried provid client fundi d) if any
ct out by ed ng
value legal
(EUR) entity
(%)
FINELI ZAMBI USD 100% 1 SNV SNV JUNE - UBUNTU
NE A 14,00 ZAMBI ZAMBI JULY 2016 VISIONA
0 A A RY
TRUST
The contract was made by SNV Fineline provided the following technical services:
Zambia to support the establishment  Development of the Board Charter and SACCO
of two Dairy SACCOS to provide Bye laws that govern the SACCO.
Financial Services to the Dairy value  Development of the Management structures -
chain players through set up, hierarchical arrangement of lines of authority
preparation of an operations manual communications, rights and duties of an
and training of staff for the SACCOS.. organization. Organizational structure
The Zambian dairy sub-sector has  Determine how the roles, power and
grown tremendously following the responsibilities are assigned, controlled, and
liberation of the 1990. Between 2005 coordinated, and how information flows
and 2013 production increased form between the different levels of management.
128 million litres to 452 million litre  Development of Management Systems - the
per year supplying milk to the 21 milk framework of policies, processes and
processor in the country. The procedures used to ensure that an
production of this milk increased by organization can fulfill all tasks required to
an estimated 300 large and medium achieve its objectives.
scale commercial dairy farmer (44  Developing financial projection for the SACCOs
million litres per annum or 85%)  Develop a monitoring and control mechanism
while the 3,000 smallholder/emergent through backstopping
dairy farmers (owning between 10
and 100 animals) produce the
remaining 15%.
Despite the Dairy industry potential
and significant contribution towards
increasing rural incomes and creating
employment, it faces numerous
challenges including the following;
 Lack of organisation;
 Weak dairy and business skills
among dairy producer groups;
 Lack of access to key services
such as credit, feed, business
advisory, Artificial
Insemination, extension and
veterinary services;
 Unfavourable enabling
environment perpetuated by
the lack of government
investment in livestock
infrastructure such as dip
tanks, milk collection centres,
extension services and the
absence of a national dairy
board to play a regulatory role
in the dairy sub-sector;
 Inequalities and exclusion
based on gender; and,
 Geographic location.
SNV in its Market Led Dairy
innovation Project has identified the
dairy sector with high potential to
grow incomes and create employment.
REF 3 PROJECT Market Study of Financial Services for Livestock Enterprises in
TITLE Machakos, Makueni and Kitui Counties
Name Count Over Proporti No of Name of Origi Dates Name
of legal ry all on staff client n of (start/e of
entity proje carried provid fundi nd) partne
ct out by ed ng rs if
value legal any
(EUR entity
) (%)
FINELI KENY USD 100% 2 Kenya Land MAY NONE
NE A 18,00 Semi-Arid O 2015
0 Livestock Lakes
Enhancem
ent
Support
Project (K-
Sales)
Market Study of Financial Services Fineline undertook the following:
for Livestock Enterprises in A rapid survey focusing on the demand and supply
Machakos, Makueni and Kitui perspectives of the financial services market for
Counties and recommendation of livestock/meat value chain enterprises within
capacity building needs for Machakos, Makueni and Kitui Counties, in order to
participating Financial Institutions inform the packaging of appropriate financial
and appropriate products for services and delivery channels by partner financial
livestock value chain players. institutions in the counties.
The K-SALES Project is a US$ 14.5 Specifically, the market study covered the following
million Food for Progress initiative areas:
funded by the United States a) Assessment of the financial service demand side
Department of Agriculture (USDA) (across the livestock/meat value chain):
and implemented by Land O’ Lakes  A summary of baseline data on livestock
International Development. The numbers, households engaged in livestock
project is ongoing, it began in production for meat, animal health service
September 2013 and is expected to providers, agro-vet outlets, livestock traders
end in September 2016. It is a three- and processors within the 3 counties.
year project whose main aim is to  The demand for financial services and
improve the competitiveness of the products.
meat value chain by increasing  Levels of access to financial services and
productivity and boosting marketing products.
and trade. b) Drivers and barriers to financial access to
K-SALES facilitates access to existing products and services
financial services by improving the c) Assessment of the supply side (across the
creditworthiness of livestock livestock/meat value chain):
producers, business service  Financial service providers, both formal and
producers, livestock traders and informal
processors-through capacity  Channels of financial product distribution,
building initiatives. K-SALES aims to both formal and informal
link over 50,000 livestock producers  Financial products provided, both formal and
and others to financial institutions informal, in terms of cost, how to access, loan
for increased agricultural security arrangements, and targeted
productivity and expanded trade. segments of the livestock/meat value chain
REF 4 PROJECT TITLE MAPPING OF FINANCIAL SERVICES

Name Country Over Proport No of Name of Origin Dates Name
of all ion staff client of (start/e of
legal proje carried provid funding nd) partn
entity ct out by ed ers if
value legal any
(EUR entity
) (%)
FINELI AFGHANIS USD 100% 1 ILO ILO OCT NONE
NE TAN 14,00 Afghanis Afghanis 2015
0 tan tan
Mapping of Financial and non-Financial Review the supply side of the financial services in
service to understand the demand and the target district/provinces:
supply of financial and non-financial - Design and develop a research tool for supply
services in selected Northern Provinces side of the mapping, contemplating the different
(Balkh and Samangan). The study tasks below.
sought to identify the barriers to access - Identify the financial services providers in the
of financial service for rural households target provinces and indicate their regulatory
and farmers and recommend status. The range of providers will include i)
interventions for capacity building for formal financial institutions (commercial and
Financial service providers. specialized banks, non-bank financial
Objective and scope of assessment institutions, financial cooperatives, insurance
The immediate objectives (outcomes) companies), ii) semi-formal financial providers
are three: (microfinance NGOs, Government microcredit
 Outcome 1: Collaboration and projects, savings and credit associations) and iii)
co-ordination between local informal financial providers (rotating savings and
stakeholders in rural districts credit associations - ROSCAs, pawnshops, money
and its urban centres for local lenders, etc.). Mention the target groups for each
economic development is provider.
improved - Review in details the financial products and
 Outcome 2: The position of poor services offered by the identified financial
and disadvantaged groups services providers (E.g., different types of loans,
within SELECT SQL_CACHEed savings, insurance, lease, money transfer, credit
agricultural and urban sectors is guarantee). Terms and eligibility criteria for each
improved of the services will be specified. For this item and
 Outcome 3: Financial the followings, focus will be on the financial
management of poor and services providers that serve (or intend to serve)
disadvantaged groups is rural household and their income earners,
improved farmers and/or any other relevant actor of the
Since the microfinance market in SELECT SQL_CACHEed value chains (target group
Afghanistan is still at an early stage of of the R2J Project).
development and relevant - Review in details the non-financial
organizations are not yet ready to products/services provided (possibly) by the
address financial education nor financial providers (E.g., financial literacy,
product diversification beyond business and skills training etc.).
microcredit, this project will focus on - Identify programmes of rural and urban
collecting and disseminating development and local institutions which have
information of financial services and good outreach to the ultimate beneficiaries to
explore partners for financial assess their capacity in provision of non-financial
education including beyond the MFI services such as financial literacy and business
community in search of the outreach development services.
capacity to the rural communities. - Review institutional capacities of the identified
formal and semi-formal financial providers as
well as rural and urban development
programmes: financial performances;
mission/vision and how long have they been
engaged in microfinance and/or providing non-
financial services; any articulated commitment to
social performance (social performance
indicators; reporting on social performances to
the Mix Market, etc…); sources of funds (specify
the wholesale channels and cost of funds.
- Identify the apex institutions and industry
association linked with microfinance that operate
at the country level (MISFA, AMA, ADF, for
example) and review the services offered,
possible support and synergies with the R2J
project.
- Review of the demand side of the financial
services in the target district/provinces:
o Design and develop a research tool for supply
side of the mapping, contemplating the different
tasks below.
o Identify the financial services used by the target
groups to finance a) their income generating
activities/microenterprises/rural activity, b) the
protection against vulnerability and risks, c)
household needs (consumption, money transfers,
others). This applies as well to the different
stakeholders involved in the SELECT
SQL_CACHEed VCs.
o Identify the sources of financial services mostly
used by the target groups (provide details for
formal, semi-formal or informal sources) and
assess the effectiveness of the financial services
provided as well as their level of satisfaction with
them
o Identify (additional) financial services needed
by the target groups, mention for which purpose
(income generation, risk management, money
transfer, etc.) and provide recommendations on
the characteristics that such services should have
to ensure they are effective, sustainable and
affordable for the target group.
o Assess the access, knowledge and interest of
financial literacy schemes by target population
REF 5 PROJECT TITLE Institutional analysis to determine cause of declining

performance in the group lending portfolio
Name Countr Overa Proporti No of Name Origin Dates Name
of legal y ll on staff of of (start/en of
entity proje carried provide client fundin d) partne
ct out by d g rs if
value legal any
(EUR) entity
(%)
FINELI UGAND USD 100% 1 ENCO Gramee OCT 2015 NONE
NE A 22,00 T n
0 Credit
Agricol
e
Through funding from Grameen Credit Institutional analysis to establish the root
Agricole for capacity building, ENCOT cause of ENCOT’s Group declining performance
received support from FINELINE to of Encot’s Group Loan Portfolio through the
establish the reasons for its declining following measures:
group loan portfolio. The TOR required 1. Understanding the GL methodology by
Fineline to conduct an Institutional performing a walk through exercise
analysis as well as conduct a market amongst the members and discussions
research to determine the root cause with staff of ENCOT
for the declining performance of 2. Market research to establish the
ENCOT’s Group Loan portfolio and challenges faced by members in fulfilling
thereafter make recommendations on their obligations towards the GL
the measures and strategy that would 3. Making breakthrough Changes and
turn around reverse the trend and recommendation to improve the Group
indeed grow the portfolio. Loan performance.
4. From the above report extract all the
recommendations and enter them into an
implementation matrix that will detail the
activity, who takes the action, when it
should take place and performance
standard and budget line.
5. Using the Encot Group Lending and Credit
Officers Manual develop a Trainers Guide
(Trainers of Trainers course). This
entailed use of appropriate templates such
as Microsave.
REF 6 PROJECT
TITLE
Name Count Overa Proporti No of Name of Origin Dates Name
of legal ry ll on staff client of (start/en of
entity proje carried provid fundin d) partne
ct out by ed g rs if
value legal any
(EUR) entity
(%)
FINELI KENYA US 100% 3 Micro FINELI KENYA None
NE 90,00 Enterpris NE
0 e
Support
Program
me Trust
DESCRIPTION OF PROJECT TYPE OF SERVICES PROVIDED
On behalf of the European Union Fineline undertook the following initiatives to
(EU) and Kenya government meet the deliverables:
(Ministry of finance) Fineline was
contracted by the implementing  A study on training needs: analysis of the supply
agency (Micro enterprise Support and demand of human resource capacity
Programme – MESPT) to upgrade the development programs within the community
organizational and banking capacity banks; identification of the gaps and
of community level financial service prioritization of the needs for capacity
provider’s (SACCOS and Financial development
Service Associations) in three  Training of staff in market research, product
provinces of Kenya namely Mombasa, development, pilot testing and rollout of
Central and Nyanza. suitable SME finance
A major objective of this program  Design of training strategy, processes and
was the improvement of procedures
qualifications and capacities of the  Train the trainers
human resources of these community  Development of curricula and training materials
level financial service providers and  Implementation of trainings on-site (General
to develop supportive linkages with Management / Leadership/governance and
well-functioning mainstream banking banking operations and SME individual lending
sector.
REF 7 PROJECT ENHANCING PARTICIPATION OF WOMEN IN SME’S IN

TITLE SOMALIA AND PUNTLAND SOMALIA
Name Countr Overa Proporti No of Name Origi Dates Name of
of legal y ll on staff of n of (start/en partners
entity proje carried provid client fundi d) if any
ct out by ed ng
value legal
(EUR) entity
(%)
FINELI SOMAL USD 100% 2 ILO ILO OCT – ILO
NE IA 14,72 Somal DEC 2014 SOMALIA
0 ia PROGRAM
Unit ME
Participatory Market Systems The exercise involved the following strategies to
Development (PMSD) in Somaliland achieve desired results:
and Puntland Somalia. Contracted by  Design of innovative strategies in order to
Practical Action to provide training increase access to finance for women SME
and support services to staff of  Conducting training of trainer workshops for
partner organization working with the Women for Women Renewing Livelihoods
Practical Action in Puntland in  Developing content for programme staff
developing SMES in selected value orientation on programme strategy, support
chains effective implementation of microfinance areas
in business plan and programme action plan
 Organizing focus group discussions and
meetings with SME’S, financial institutions,
industry associations and non-government
organizations
 Review and analysis of the key constraints to
the development of women SMES
 Review, summarize and make preliminary
recommendations regarding existing schemes
provided by financial institutions which help
women to access lending products.
REF 8 PROJECT CAPACITY DEVELOPMENT IN NMB TANZANIA TO FOSTER

TITLE GROWTH
Name Countr Over Proport No of Name of Origin of Dates Name
of y all ion staff client funding (start/e of
legal proje carried provid nd) partn
entity ct out by ed ers if
valu legal any
e entity
(EUR (%)
)
FINELI TANZA USD 100% 2 NMB World MAY– NONE
NE NIA 6,300 TANZANIA Bank/Cen NOV
/DAI tral Bank 2012
of
Tanzania/
DAI
Fineline was sub-contracted by DAI  Study on training needs: analysis of the supply
in a Tanzania government – Central and demand of human resource capacity
Bank and World Bank project to development programs within the bank; This
turn around the National involved identification of the gaps and
Microfinance Bank (NMB) from a prioritization of the needs for capacity
government department to a fully- development
fledged Commercial Bank operating  Train staff in market research, product
throughout the country. The major development, pilot testing and rollout of suitable
task involved training senior, SME finance
middle level and junior managers as  Design of training strategy, processes and
well as bank operations staff to procedures
move away from a government fund  Train the trainers
management approach to a market  Development of curricula and training materials
place performance based financial  Implementation of trainings on-site (General
systems approach to modern Management / Leadership and banking
banking. Today NMB is the leading operations, SME individual lending trainings were
bank in Tanzania part of the offer.
6 WORK PLAN
Table 1: Implementation Matrix
Activities Output Timeline

 Clarification of scope of work
Contracting,  Collect Secondary data
briefing and  Streamline the work plan 2 days
planning  Logistical arrangements and establishing contact persons
 Signed service contract
Literature  Review source material collected from GIZ E4D/SOGA
review of key project and secondary source identifying
project - The market for civil and construction sectors
documents financing in Kenya and Turkana County. 3days
- Identifying civil and construction sectors value
chains, major actors, risks and financing
opportunities. (banks, MFI, SACCOS and Cooperatives,
NGOS, Government programmes and other actors in
agriculture financing)
- Policy and regulation of civil and construction to
support financing.
- Partners and stakeholders in civil and construction
financing.
 Share inception report with the client
Inception Present findings of the project and present a detailed
Report approach and methodology and selection criteria for the 5 days
SMEs.
 Develop work plan for undertaking data collection
Baseline Study  Identification, sampling and selection of target SMEs
Design,  Development of survey tools (FGD, KII and 5 days
Sampling & Questionnaires)
Preparation of
Data Collection
Tools
 Recruiting Research enumerators and training on
administering research instruments
Fieldwork/  Testing tools and correcting the gaps revealed
Primary Data  Data collection in the Turkana
Collection a) SWOT analysis: 6 days
- Undertake a SWOT analysis on the internal and
external factors that are favorable and unfavorable to
venture into civil and construction value chains
financing.
- Assess the capabilities of the financial institutions in
Kenya and Turkana County to offer services/ new
loan product. This includes the human resource and
technologies to support and construction value chains
financing products.
b) Opportunity assessment:
- Conduct a local (Turkana county) economic
assessment to provide a comprehensive overview of
the local economy and factors that influence future
economic growth in the civil and construction sector.
- Conduct a risk analysis and constraints involved of
the target side on the supply and the demand side of
the civil and construction value chains financing.
- Identification of training gaps
 Coding and data entry into SPSS programme with excel
Data Cleaning, duplicate
Entry &  Data cleaning and Analysis-Qualitative and quantitative 5 days
Analysis analysis
 Competition analysis highlighting other FSPs that are
supplying financing, their approach, strategy, pricing and
targeted clientele
Report Writing  Report writing reports
& Training Plan  Prepare training curriculum and plan 5days
Presentation of  Validation workshop and oral presentation
Draft Report &  Discuss findings and way forward 2 days
Implementation
Strategy
Finalization and  Deliver final report with implementation plans
Submission of  Submit materials used and collected from the client 3 days
Report
7 TEAM COMPOSITION
Alex Malla – Project Director and Microfinance and Banking Expert

Alex has over 20 years’ experience in the area of Financial Inclusion with specific focus
market research and product development for financial products and solutions. Alex holds
a B.ED Economics and business from Kenyatta University and MBA Strategic Management
from the University of Nairobi.
Alex is the Managing Consultant of Fineline Systems and Management Limited and has been
its lead consultant in Banking and SACCOs for 10 years. He worked with the Co-operative
Banks of Kenya and has extensive experience in banking operations and systems, strategic
planning, risk management, market research, financial product development, process
mapping, institutional assessments. He also has significant experience in agriculture value
chain analysis, business services development and training. In the recent/current
consulting experience, he has undertaken assignments for major clients that include;
Financial Sector deepening (FSDK) to evaluate Century MFB institutional and (Mazao)
product performance; K-Rep Development Agency (KDA) to train FSAs; SNV Zambia in
assisting in the formation and establishment of two SACCOs in the Southern province of
Zambia; Gramene Credit Agricole in assisting ENCOT MFI Uganda in reviewing its group
lending methodology with focus on growth of its agricultural portfolio, in conducting a
‘Financial Sector Diagnostic Study for Somaliland’; ILO to design community project for
‘Increasing Household Food Security and Resilience through Economic Empowerment of
Women Smallholder Farmers in Lower Shebelle, Somalia’; Training in value chain financing
(VCF) and product development for various Microfinance and SACCOs in Kenya.
Other major assignments include working for Kenya BDS/USAID fruit tree value chain
service provision; Danida/GOK (MEDP) in market research and product development for
rural microfinance institutions; MicroSave to provide market research and product
development training to microfinance institutions; Programme formulation for Danida
(Agriculture and Business Sectors Programme Support)
Ezra Anyango –AVCF Expert

Ezra Anyango is an expert in financial Inclusion, focusing on value chain finance, with over
twenty 28 years’ hands on experience in the financial sector within several sub-Saharan
African countries, combining sound practical experience of management with consulting
and technical service provision. He has been along termConsultant with Fineline Systems
and Management Limited for 8 years.Mr. Anyango holds a Post Graduate Certificate from
Harvard University in Finance of Private Enterprise, Masters and Bachelor’s degrees in
Economics from Eastern Illinois University (USA). He has undertaken long term and short
term assignments with the Government of Kenya (National Treasury) as a technical Advisor
to the Agribusiness value chain programmes including the design of PROFIT, Development
Alternatives Inc. (DAI) for a number of banks e.g. National Microfinance Bank (NMB) in
Tanzania; Liberian Bank for Development and Industrialization (LBDI), Bilateral and
multilateral Agencies such as United States Agency for International Development (USAID),
the French Agency for International Development (AFD), International Fund for
Agricultural Development (IFAD), United Nations Office for Project Services (UNOPS)
International Finance Corporation (IFC), The World Bank (WB), UK Department for
International Development (DfID), Canadian International Development Agency (CIDA) The
Royal Netherlands Embassy, CGAP among others. In these assignments, he has participated
in several programme reviews, research, and monitoring and impact assessment in several
areas. He has been active in developing entrepreneurs through capacity building
programmes that help them develop good business plans, market research and supporting
value chain analysis of several product value chains. His long-term assignments include
Kenya, Tanzania, Zimbabwe, Zambia, and Malawi and short-term assignments in Uganda,
Liberia, Nigeria and South Africa, Zambia among others. In addition, he has been active in
the research for policy development in financial inclusion for the youth and women and has
served as a member of the Board of Youth Save initiative in Kenya. In the most recent
assignments he has been a technical advisor to the Government of Kenya prior to which he
was Country Director of FINCA Malawi.His research work for in Malawi and Zanzibar on
Savings and Loan Model have been published in the publication and the Journal of Small
Enterprises (UK) respectively. He is a member of professional societies in Economics,
Business Administration and Finance.
Evans Muthemba - Risk Management

Evans Muthemba is a risk analyst and financial management consultant focusing on
operational and credit risk management. Evans has a Bachelor’s degree in Mathematics and
Economics from the University of Nairobi, and an MBA in Management from Hull University,
UK. Evans started his career as an auditor with Ernst & Young and has broad experience in
design and formulation of financial policies and procedures in financial systems having
risen through the ranks in auditing, banking and manufacturing sectors.
In recent assignments, Evans participated in a market survey on credit information sharing

readiness for deposit taking SACCOS funded by FSD Kenya that culminated in determining
the challenges facing use of CIS. The study included SACCOS in the agriculture sector, public
sector, teachers, community and private sectors. The study results informed players in the
CIS Association who lobbied for amendment of the Finance Act, which has now remedied
some of the challenges in CIS use paving the way for use of CIS by SACCOS. Evans has been a
long term Consultant with Fineline Systems and Management Limited for 6 years; and has
over 12 years of management consultancy primarily reviewing financial data from
Corporate, MFI’s, SME’s and the SACCO sectors. Other consultancies have included financial
modeling, institutional diagnostics, strategic planning, staff training for operational
efficiency through process mapping that ultimately identifies staff habits, gaps, omissions
and process delays that hinder effective service delivery to customers and hence poor
customer experience. This is a critical area in Microfinance banks and Sacco’s who are
increasingly under siege from banks and other financial service providers who are want on
swaying any customers to increase their market share. Evans participated in review of the
Century MFB products and services focusing on the Mazao product wherein the gaps and
omissions in the value chain were reviewed resulting in recommendations in the recording
and roll out of the product for improved performance. Evans has gathered experience in
diagnosing and documenting numerous causes of poor performance of institutions
impacting on growth and profitability. The subsequent capacity building that he has
provided to SME’s, MFBs and SACCOs on various levels of risks has improved operational
efficiency and customer services experience.
Nahashon Mubichi Mwongera

Mr. Mwongera is a Research and Development Professional with training background in
Development Economics, Monetary studies, Econometrics, Statistics, Sociology, Socio-
economic and Market Research Methodologies. He is a Research Associate/Consultant in
economic development, with Fineline Systems and Management Limited, a private
Management consulting firm based at Nairobi and specialized in Microfinance, Small and
Medium Enterprise (SME) development. Previously he worked as Fineline’s Research and
Market Development Officer. Mwongera has proven skills and experience in writing
consultancy/funding, Technical and Financial proposals. While at Fineline, he participated
in actual implementation of some of the projects including Swedish Cooperative Center,
Kenya – Micro-insurance survey conducted in 4 East African Countries (2008); Stima
SACCO, Kenya – market research for product refinement / development and institutional
transformation (2008); ECLOF Microfinance, Kenya – Market research for product
refinement/development and Institutional transformation strategy (2008); DFID – to
assess capacity gaps of staff of Ugandan Savings and Credit Cooperative Societies (2007);
Micro-enterprises Support Programme Trust (MESPT), Kenya – Mid-term Review of a
loan program managed by MESPT for the Danish Development Agency (DANIDA), 2007;
World Council of Credit Unions, Kenya (2007); Training Needs Assessment project for K-
Rep Development Agency (2006); and a study conducted for the Netherlands
Development Organisation (SNV) to advice on suitable microfinance delivery
mechanisms for pastoralist communities in Kenya (2005).
Before joining Fineline, Mwongera had worked as Head of Research Department for
Integral Advisory Limited, a regional consulting firm based at Nairobi, providing financial
linkage solutions for renewable energy projects in East Africa. While working here, he
gained skills and experience in project finance and management. He has hands-on
experience and competence in: Designing Social-economic and Operational Research
Methodologies; Conducting Market research for product development and New innovative
ideas development;Profiling for needs assessments; Training Needs Assessments (TNA);
Using Focus Group Discussion (FGD), Participatory Rapid Appraisal (PRA) and Sustainable
Livelihood Approach (SLA) tools; Stakeholder Mapping and Analysis; Analyzing large
quantitative and qualitative data sets; Training of Trainers (TOT); Preparation of Technical
and Financial bids for consultancies; Technical skills in Project Monitoring and Evaluation
(M&E), and Log frame matrix formulation; Developing Project work plans, budgets and
Proposal Writing; Client Liaison; Writing of Technical Reports and Sectoral briefs; and
Presentation of findings using PowerPoint applications and other visual aids. In addition,
he is competent in using windows-based computer software such as MS-Office; Statistical
and Data analysis software including SPSS, E-Views, PC-GIVE, Microfit, LIMDEP, and good
working knowledge of STATA; and usage of Web Design Software (e.g. Macromedia Dream-
weaver).
8 CV for Consulting
CV 1: Alex Malla
Last name: Malla Email:alexmalla62@gmail.com;
First name: Alex Mumo alexmalla@finelinesml.com
Cell Phone: 0722706445
Nationality: Kenyan
Summary (Bio)
Alex is the Managing consultant with Fineline Systems and Management Limited and its
lead consultant in Banking and SACCOs. Fineline is aKenyan-based market research,
training and capacity building, business development services consulting firm for
microfinance institutions, SACCOs and Banks.
In the recent/current consulting experience Alex has undertaken assignments for major
clients that include; Financial Sector Deepening Trust Kenya (FSD) in a study to evaluate
Century Microfinance Bank agri based financial products, MESPT in market research and
product development, risk management and strategic plan development for MFIs and
SACCOs; WOCCU SACCOCAP institutional analysis, Training needs analysis for SACCO,
USAIDs Financial Inclusion for total Microfinance Institutions in market assessment,
evaluations and development of financial products for agriculture value chains. Other
major assignments have included ACCION International/Akiba Bank Tanzania, SNV in Value
Chain analysis for the Dairy, livestock industry and the beans sector in Kenya. Alex is an
experienced senior banker with extensive experience in Banking operations and systems,
Strategic planning, Risk management, market research, financial product development,
process mapping, institutional assessments. He also has significant experience in
agriculture value chain analysis, business services development and training.
Prior to joining Fineline, Alex worked with the Co-operative Bank of Kenya, where he
gained a broad understanding of banking operations both at Branch and Head Office levels,
with particular emphasis in Credit and business development. As Senior Manager Business
Development, he managed the Banks Business growth and development in Branches
through planning and strategizing with Branch Managers for the growth of Business:
Balance sheet, Profits, control of operation and credit risk and provide impeccable
customer care. He was the overall in charge of the Retail Business responsible for
developing the Retail Banking Strategy for approval at the Board, and supporting its
implementation throughout the bank by monitoring and taking appropriate actions to
surpass targets. and setting performance targets and driving the Business across the entire
Branch network. He also provided dynamic leadership in the development of the Co-op
Bank Micro-finance Programme from inception in two pilot Branches in 1999. The
programme was so successful that it was subsequently rolled over to 34 branches with 100
Micro-Credit officers over K.shs. 3.6 Billion in deposits, K.shs.750 Million in loans and a
portfolio at risk of below 5% by June 2006.
Educational Background
Institution: Kenyatta University Degree/title: Bachelor of (Business/Economic)
Date: 1986 Education (B.ED - Hons)
Institution: University of Nairobi Degree/title: Masters Business Administration
Date: 2004 Strategic Management (MBA)
Selected trainings attended
Institution: Aarhus Technical Degree/title: Diploma Project Management
College, Denmark
Date: 1991
Institution: Chemical Bank New Degree/title: Best and Brightest Credit
York Programme for African Bankers
Date: 1995
Year: 2009 1. Market Research & Product Development for
Institution: WOCCU SACCOs – WOCCU
2. WOCCU PEARLS monitoring system
3. WOCCU Loan Portfolio Analysis Tool(LPAT)
4. Governance and By-Laws for Credit Unions
5. Governance Monitoring Tool (GMT)
6. Credit Administration
Year: 2010 Content: Microfinance Blended Learning Course
Institution: World Bank/ADB
Institute
Professional Background
Relevant Banking Experience
Period: 1997 to date 2003 Country: Kenya
Employer: Co-operative Bank of Position: Head of Retail Banking Department
Kenya Limited
Reference: Joseph Mwangi Email: jose_mwangi@yahoo.com
Projects/Tasks/Management experience:
Overall in charge of Retail Banking Department comprised of 3 banking units 1. Micro-
Credit Unit 2. Business Banking Unit 3. Personal Banking Unit. My responsibilities
including training the Branch Managers , SME Credit Officers and micro-credit officers .
Consulting Experience
Period: 2007 to 2014 Country: Kenya
Employer: Fineline Systems & Position: Operations Director/Consultant
Management Ltd
Reference: Joseph Mwangi Email: jose_mwangi@yahoo.com
Operations Director and consultant at Fineline Systems and Management (Fineline).
This is a Kenyan-based market research, training, capacity building and business
development Services (BDS) consulting firm, specialization in microfinance institutions
(MFIs). Savings and Credit Co-operative Organizations and Banks.
Period: 1988 to 2006 Country: Kenya
Employer: Co-operative Bank of Position: Operations Director/Consultant
Kenya
Reference: Email: kabbucho@yahoo.co.uk
Alex gained hands on experience in all areas of the bank from branch level to head office
operations rising from management trainee to senior management positions.
Selected Consultancies
Period: June 2016 Country: Zambia
Employer: SNV Zambia Position: MDIP project Manager
Reference: Brian Kapoter Email: BKapotwe@snvworld.org
 Assist in establishing two SACCO in Southern Provinces in Choma and Monze for
SNV Zambia
Period: January - May 2016 Country: Kenya
Employer: Tai SACCO Position: CEO
Reference: John Mwangi Email: john.mwangi@taisacco.coop
 Reorganizing and Restructuring TAI SACCO to position itself as a modern and
vibrant organization to face competion and provide impeccable customer service
to members and focus improving its profitability.
Period: Dec Jan 2016 Country: Uganda
Employer: Gramene Credit Position: CEO
Agricole Email: paschal.mandhawun@encot.org
Reference: Paschal Mandhuwan
 Revision of ENCOT Microfinance Institution Group Lending Methodology
 Model and development
 June - Current 2016:
Period: June 2016 Country: Uganda
Employer: Kenya Semi Arid Land Position: CEO
LiveStock Enhancement Support Email: paschal.mandhawun@encot.org
Reference: Paschal Mandhuwan
 Market study of financial access for livestock enterprises in Machakos, Kitui and
Makueni: Kenya Semi-Arid Lands Livestock Enhancement Programme (K-SALES)
Period: Nov/Dec 2014 Country: Kenya
Employer: FSDK Position: Consultant
Reference: Mutua Mulanga Email: <Mutua.Mulanga@fsdkenya.org>
 Evaluation of Century MF Bank’s Agricultural Value Chain Enhancement
 Model and development of a Business Case for Century MF Bank
Employer: Capital SACCO Ltd Position: Consultant
Reference: Eliezer Kaburu Email: keliezer@yahoo.com
Development of the Capital SACCO Strategic Plan 2015 - 2019
Period: Oct/Nov 2014 Country: Kenya
Employer: GROOTS Kenya Position: Consultant
Reference: Raquel Kaacu Email: raquelcuka@gmail.com
Projects/Tasks/Management experience
Lead trainer in agribusiness in Kitui - Starting and Growing Sustainable Entrepreneurial
Ventures In Agribusiness;
Period: 2011 Country: Kenya
Employer: USAID FIRM Position: Consultant
Reference: Gabriel Kiwia Email: gkimwelei@yahoo.com
Projects/Tasks/Management experience
DeveloptheMilangofinancialserviceFiveyearstrategic2011-2015
Period: from 2010 Country: Kenya
Employer: WOCCU SACCOCAP Position: Consultant
Reference: Peter Njuguna Email: Peter Njuguna <peterknjuguna@yahoo.com>
Conducted TrainingNeedsAssessmentof theNairobiSACCOsectorfor
theWorldCouncilofCredit Unions(WOCCU)
Employer: WOCCU Position: Consultant
Reference: Joseph Geita Email: , jgeita@gmail.com
Market Research for Product Development training and field research for SACCOS/MFIs
,training and technical assistance provided to Kwale Teachers Sacco.
Period: Apr-May 2010 Country: Kenya
Employer: MESPT Position: Consultant
Reference: Jeff Njagi Email: Jeff Njagi <JNjagi@mespt.org>
Training in Market Research and Product development for Danida-Supported MFIs in the
Cost and Eastern Provinces
Period: From 2010 Country: Kenya
Reference: Peter Njuguna Email: alexmalla62@gmail.com
DevelopedtheFiveyearstrategicPlanforStimaSACCOFiveyear
Strategicplan
Period: March – May 2010 Country: Kenya
Employer: STIMA SACCO Position: Consultant
Reference: James Mbui Mobile: James K Mbui <jmbui@STIMA-SACCO.COM>
TeammemberinaMarketResearchStudy
conductedby‘Fineline’forStimaSavingsandCooperative Society(http://www.stima-
sacco.com)toaccessclients’perceptionregardingitscurrentproductsand
servicesandexpansionintonewmarkets
Period: Aril 2009 Country: Kenya
Employer: SMEP Position: Consultant
Reference: Mrs Phylis Mbungu Email: SMEP CEO <ceo@smep.co.ke>
Developed, designed and conducted an advance Credit Course for Small and Micro
Enterprise Programme SMEP
Period: September October 2008 Country: Kenya
Employer: ACCION/Akiba Bank Position: Consultant
Reference: John Lwande Mobile: John Lwande <john_lwande@dai.com>
TeammemberinaMarketResearchandMysteryShoppingConsultancyconductedby‘Fineline’
for Akiba Commercial Bank, Tanzania - to access clients perception regarding its
current products and markets; and refinement of its Strategic Business Plan; Image of the
Bank Vis-aà -vis the competition.
Period: March 2008 Country: Kenya
Employer: ECLOF Position: Consultant
Reference: - Email:
TeammemberinaMarketResearchStudyconductedby‘Fineline’fortheKenyaEcumenical
Church Loan Fund (ECLOF)Microfinance Institution- to access clients perception
regarding its current products and markets; and refinement of its Corporate Strategic
Plan.
Period: March 2008 Country: Kenya
Review of MESPT as the fund Manager of DANIDA’s Agriculture Business Development
(ABD) component of the Agriculture Sector Programme Support ASPS)
Period: March - May 2008 Country: Kenya
Reference: Erick Sile Email: Jeff Njagi <JNjagi@mespt.org>
Team member in a Market Research Study conducted by Fineline for Stima Savings
and Cooperative
Society(http://www.stima-
sacco.com)toaccessclients’perceptionregardingitscurrentproductsand services and
expansion in to new markets
Period: April-June 2007 Country: Kenya
DevelopedtheJitegemeaCreditschemeRiskManagementFrameworkandtraine
dtheirstaff.
Employer: SNV Position: Consultant
Reference: Thomas Were Email: twere@snvworld.org
TeamLeader in a surveyconductedby ‘Fineline’for the
NetherlandsD evelopmentOganisation
(SNV),anInternationalNGO,todocumentinnovativelivestockValueChainFinanc
ingModelsamong
thepastoralistsinNorthernKenya.Theoutcomeofthestudywasacomprehensive
reportrecommending toSNVonhowtoup-
scalethesuccessfulmodelsthroughsuitabledeliverymechanisms.
DevelopedtheJitegemeaCreditschemeRiskManagementFrameworkandstaff
training.
DevelopedtheJitegemeaCreditschemeRiskManagementFrameworkandStaff
training
Period: August 2007 Country: Kenya
Reference: Peter Njuguna Email:
ConductedaninstitutionalassessmentonMeruCentralFarmersSACCOSocietyLi
mitedto provide detailedinformationonthepotentialandperformanceof
theSACCOsto enableFSD technicalpanelto
makeafinaldecisionforsupportbyFSD
Employer: MESPT Position: Lead Consultant
Market Research and Product Development Saga
Thrift
Language Skills
(1 = very good, negotiating level / 2 = good / 3 = satisfactory / 4 = basic knowledge)
Language Spoken Written Read
English 1 1 1
Swahili 1 1 1
Memberships
 Certified trainer, World organization of Co-operatice Credit Union WOCCU;
 Certified MF Trainer – ADB Institute/Tokyo DLC/World Ban
CV 2 : Ezra Odondi Anyango
Name of Firm : Fineline Systems and Management

Name of Staff : Ezra Odondi Anyango
Membership of Professional Societies: International Honor Society in Economics (ODE)

American Honor society in Business Administration (DMD) and Alumni of EIU and Alumni
of Harvard Kennedy School FIPED.
Key Qualifications:
Ezra Anyango is a Financial Inclusion expert with over twenty 28 years’ hands on
experience in the financial sector focusing on Financial Inclusion development and training
within several (East, West, and Southern) African countries, combining sound practical
experience of management with Training, Consulting and technical service provision. He
has been involved in Curriculum Development and Training of Bank staff at NMB for five
years, other banks and MFIs staff on areas such as Risk Management, Product development,
Monitoring and Evaluation and Governance. As Chief of Party (CoP) with DAI/ USAID Micro
PED Programme I facilitated the developed capacity building tools for institutional
assessments, process mapping and training materials for the formal financial institutions to
reach down to unreached clients. In my most recent long term assignment with the
Government of Kenya as Senior Microfinance Expert I facilitated the development of
curriculum for training of SACCOs and smaller MFIs on credit appraisal and portfolio
management. I am currently serving as a faculty member/ Advisor to the ACCION CFI
Africa Board Fellowship Programme that targets Governance issues on regulated MFIs and
Banks that operate in the microfinance space.
I have been involved in the design of SME lending for Liberian Bank for Development and
Industry (LBDI) (IFC project), TA for the introduction of SME lending to National
Microfinance Bank (NMB) Tanzania and introduced SME lending product at FINCA Malawi
while I was Country Director. I have also been active in the developing entrepreneurs
through capacity building programmes that help them develop good business plans, market
research and supporting value chain analysis of several product value chains. In addition, I
have been active in the development of strategic plans and policy development in several
fields.
As A consultant, I have undertaken a number of Mid-Term Reviews and Supervision

Missions with IFAD and other agencies in Kenya and in the region, conducted two published
evaluation of Savings groups in Zanzibar and Malawi through CARE (both published). As
Country Director FINCA International in Malawi, I was in charge of the overall management
of the institution using the famous FINCA Village Banking model. I have also provided
technical assistance to K-Rep Development Agency in pilot project “transformation of
Financial Services Association (FSAs) into sustainable institutions.I have undertaken long
term and short term assignments for The Government of Kenya, CARE International and
Development Alternatives Inc. (DAI) for a number of Bilateral and multilateral Agencies
such as United States Agency for International Development (USAID), the French Agency for
International Development (AFD), International Fund for Agricultural Development (IFAD),
United Nations Office for Project Services (UNOPS) International Finance Corporation (IFC),
The World Bank, UK Department for International Development (DIFID), Canadian
International Development agency (CIDA) The Royal Netherlands Embassy, CGAP among
others. In these assignments I have participated in several program reviews, monitoring
and impact assessment in several areas including Village savings and loans associations
(VSLAs) Village Banking (VB) model, Financial Services Associations (FSAs)
My long term assignments have been in Kenya, Tanzania, Zimbabwe, Zambia, and Malawi
and short-term assignments in Uganda, Liberia, Nigeria and South Africa. I have also
attended specialized training in USA, Ghana, Egypt, and Italy and several short term
seminars in Europe (UK, Germany and France.). Prior to my involvement in the financial
sector, I served an Instructor at Eastern Illinois University (USA).
Education:
Institution Harvard Kennedy School- Executive Education
Date September , 2010
Certificate - Executive Education Program: Financial
Degree/Diploma obtained Institutions for Private Enterprise Development
(FIPED) Course
Institution Eastern Illinois University
Date: December 1985
Degree/Diploma obtained: MA. Economics
Institution Eastern Illinois University
Date: August 1984
Degree/Diploma obtained: BA Economics
Other Training:IT proficient and attended the following projects:

 Leadership and program management Training offered by IFAD in Accra Ghana
(October 2013)
 Financial management training offered by IFAD Rome Italy 2012.
 Financial Management offered by IFAD Nairobi (September 2010)
 Enhancing Consulting Skills for SMEs by IFC MSME program Nairobi (Nov 2005)
 Consultancy Skills training organized by AFCAP and TACK Training International
Kenya (2001)
 Marketing of Training and Professional Services organized by CGAP and AFCAP
Nairobi (June 2001)
 Africa Small Economic Activity Development workshop- Cairo Egypt organized
by CARE SEAD unit (1997)
 Credit Management Course -National Business Studies Management Institute,
Kabwe Zambia (January 1996.)
 Africa Savings and Skills Development workshop- Nyeri, Kenya organized by
CARE USA Small Economic Activity Development (SEAD) Unit (May 1994)
 Design of small scale informal sector credit training -Kurasini, Dar Es Salaam
Tanzania- organized by Mennonite Economic Development Associates (MEDA)
(February 1992)
 Revolving credit management training- Kisumu Kenya - organized by Credit
Systems Ltd. (March 1991)
 Training of Trainers course- Mombasa Kenya - organized by Kenya Rural
Enterprise Program (K-Rep) (1987)
Employment Record:
Dates: March 2015- To date
Location: South Africa, UK, Kenya.
Organizatio ACCION Africa Board Fellowship Program
n
Position: Faculty/ Advisor
Description: Faculty for fellows under the programme and facilitation at the Board workshops in
RSA UK funded by MasterCard Foundation run by ACCION Centre for Financial
Inclusion (CFI).
Dates: 2009 (July) – December 2014
Location: Kenya.
Organizatio French development Agency (AFD)/ Kenya Government Technical assistance
n
Position: Senior Microfinance Expert and Programme Coordinator (PC)
Description: Direct the overall operations of the French Development Agency project with the
government of Kenya worth 10 million Euros in technical Assistance to the
Financial sector reforms to facilitate increase in access to credit for the lower
income segments of the society and mitigate the effects of the global credit crunch
Programme Coordinator – Programme for Rural Outreach of Financial Innovations
and technologies (PROFIT) funded by GoK and IFAD. Managing RFPs for several
programmes recruiting consultants, banks and other institutions for capacity
building.
Dates: 2007 (July) – 2009 June
Location: Malawi.
Company: FINCA International
Position: Country Director
Description: Direct the overall operations of FINCA Malawi with more than 160 staff reviewing
the financial products and enhancing its outreach to the rural Malawi, developing an
SME portfolio introduced in 2007 and enhancing systems and training of staff.
Answerable to the Board and liaison with other stakeholders in the financial sector
within Malawi. Ran a company worth more than 6 million US dollars including a
grant of US $ 4 million from the US department of Agriculture for Malawi.
Dates: 2007 to Date
Location: NAIROBI, KENYA, Tanzania, Liberia, Zambia.
Company: DAI / Independent Associate (SBA/DFS/UNOPS/KDA)
Position: Consultant
Description: 2015-16 Faculty/Advisor for CEOs and Board members of the MFIs under the
ACCION Board Fellowship Prgramme funded by MasterCard Foundation.
2013 August- Team leader Design of the Rural Finance expansion Programme
(RUFEP) in Zambia funded by IFAD.
2010 (Sept) Mid-term Review of the Rural Finance Programme in Zambia in charge
of the Instructional Capacity building M&E and Microfinance Components.
2007 (May – June) design of SME program at LBDI Liberia through DAI and
development of inception report for IFC funded LBDI
2007 Feb- May – Lead Consultant with Strategic Business Advisors providing TA to
CADET Microfinance (World Vision) in developing transformation plan to a
regulated Deposit Taking Microfinance Institution- Kenya.
2006 Dec – Training of SME staff at National Microfinance Bank in Tanzania.
2006 Oct- E- sokoni consultant in Midterm Review of Regional Aids Training
Network (RATN)
2006 Jun –Sept Lead Consultant for Decentralized Financial Services (DFS), FSD
Uganda in collaboration with University of Bath (UK). Conducted research on the
Village Savings and Loan Model in Zanzibar.- CARE Tanzania project Experience.
2006 May- Working for UNOPS – Supervision Mission of IFAD funded Southern
Nyanza Integrated Development Project looking at the Microfinance component.
2006 April- May Working with Deloitte in the establishment of a microfinance Unit
within the Ministry of Finance for the Government of Kenya. Development of
funding mechanism for Whole sale Banks to deliver financial services to MFIs that
on lend to Micro and Small scale enterprises. Project funded by AFD
2006 March- Working with IFAD Rural finance Knowledge Management project in
collaboration with UNOPS in the supervision mission of IFAD funded Eastern
Province Horticultural and traditional Crops project.
2006- Jan- Dec. Working with KDA as project Manager of the FSA transformation
and commercialization project to reach remote areas with sustainable services.
Project Funded by FSD Kenya.
Dates: 2002- 2005
Location: Tanzania and Kenya
Company: DAI – Based in Bethesda MD USA
Position: Microfinance Consultant
Description: Working mainly with DAI at National Microfinance Bank Tanzania. Technical
assistance in development of lending standards and policies and procedures.
Training staff on the SME products and development of standards for lending.
Selected assignments include:
2004 – 2005: Development of the SME lending for National Microfinance Bank
(NMB) Tanzania and training of staff on the new products.
2005: Facilitation of a regional Rural Finance Workshop for IFAD’s Knowledge
Management program in Nairobi. (July 2005)
2005: Review of VS&L program for CARE Malawi (June 2005)
2005: Output to purpose review for DFID of Concern Universal Microfinance
Operations (CUMO) of Malawi (May 2005)
2005: Output to purpose Review of DFID/USAID support to Opportunity
International Bank Malawi
2004: Facilitating the start of the Microfinance component of PRME West Uganda
project.
2003: Management Technical Advisor Saga Thrift and enterprise promotion Ltd.
(STEP)
2001- 2005: Standardization of Micro lending for National Microfinance Bank
(NMB) Tanzania. (Current)
2001-2002: Review of the Action Research Partner program and Midterm Review of
Micro Save Africa.
2002: Review of the potential for a Micro enterprise development program for Five
Talents International in Central Tanzania (Mpwapwa Anglican Diocese)
2002: Writing of Micro Enterprise Support Program (MESP) Phase II Proposal in
collaboration with FACET
2002: Phase II Study of Housing Microfinance in collaboration with ACCION
International
2001: Review of the Housing Microfinace models in Kenya for Consultative Group to
Assist the poorest
2001-2002: Review of the impact of participatory Training tools for Micro Save
Africa.
2001: Review of the Training curriculum and program for Centenary Rural
Development Bank in Uganda and Agence Francaise Development (AFD).
2000-2001: Review of the Training curriculum for Microfinance at the Kenya School
of Monetary Studies (KSMS) together with AFCAP, KSMS, AMFI and MicroPED.
2001: Midterm Review of K-Rep NGOs financial programs funded by DFID in
collaboration with AFCAP, DFID and USAID.
2001: Financial and business plan Appraisal of Kenya women Finance Trust for loan
funds for Jitegemee Trust.
2000: Organizer and Consultant of Institutional Assessments of the following
organizations: BIMAS, Kenya Small Traders and Entrepreneurs Society in
collaboration with JM Mantle for USAID.
Dates: 1999 – 2001
Location: NAIROBI, KENYA
Company: DAI/USAID MicroPED
Position: CHIEF OF PARTY & MICROFINANCE INSTITUTIONAL ADVISOR
Description: Responsible for management of grant for USAID, provision of technical assistance to
USAID in the development of grants making criteria and participates in the technical
review committee that appraise applications. Responsible for technical assistance to
institutions, conduct institutional assessments of organizations applying for grant
from USAID and strengthen MFI network. Also responsible for organizing a series of
courses for the MFI industry and a forum for executives in the industry.
Dates: 1997 – 1999
Location: Zambia and Zimbabwe
Company: Care international
Position: Small Economic Activities Development (SEAD) Coordinator
Description: Provided Technical Assistance to all CARE International Zambia projects that have
Small Economic activities Development components. In charge of the development
of Agri-Input Entrepreneur Network & Training (AGENT) program with CARE in
Zimbabwe that facilitated the creation of farm input entrepreneur network that
provided farmers with timely inputs within their locality and at competitive prices.
This project was so successful that the government adopted the method.
Selected assignments include:
1998: Lead Consultant CARE International – Design team for UNHCR credit for
refugees – Lusaka Zambia
8.1.1.1 1997: Research: National microfinance Summit Zambia
1997: Research: Micro- Credit Workshop Bangladesh sponsored by Japan ODA and
UNDP
Dates: 1994- 1997
Location: Zambia
Company: Care international
Position: PROJECT MANAGER PULSE
Description: Responsible for the start of the Micro lending program from scratch in Zambia.
Other Selected assignments include:
1994: Consultant: Collaborated in the design of Commercial Bank of Zimbabwe
(CBZ) credit program with CARE Zimbabwe and CARE Zimbabwe Technical
Assistance to Zimbabwe Women Finance Trust (ZWIFT).
1994: Collaborating Internal partner with External Consultants in the final
evaluation of CARE Kenya’s Employment Creation for the Youth (ECY) project.
Dates: 1993- 1994
Location: Kenya
Company: Care International
Position: Sector coordinator SEAD
Description: Responsible for the supervision of two project managers running credit provision
projects.
Dates: 1989-1993
Location: Kenya
Company: Care International
Position: Project manager
Description: Initiated the development of a credit program within CARE International in Kenya,
which has since transformed into an independent financial institution WEDCO
Enterprises Ltd.
Dates: 1987–1989
Location: Kenya
Company: Women Finance Trust
Position: Credit Officer
Description: Responsible for credit and extension services in the peri-urban areas of Nairobi and
three other towns within Kenya. Started the K-Rep funded initiative with KWFT
Dates: 1986 – 1986
Location: USA
Company: Eastern Illinois University Charleston
Position: Instructor
Description: Instructor teaching Economics and tutor on other business subjects.
Languages:
Language Reading Speaking Writing
English Excellent Excellent Excellent
Kiswahili, National Language (Excellent)
Certification:
I, the undersigned, certify that these data correctly describe me, my qualifications, and my
experience.
______________________________________Date:18/10/2016
(Signature of staff member) Day/Month/Year
Full name of staff member:Ezra Odondi Anyango
CV 3: Evans Muthemba
Name of Firm: Fineline Systems & Management Limited

Years with Firm: Over 7 Years
Profession: Finance & Credit Risk Management Consultant
Date of Birth: January 1961
Nationality: Kenyan
Membership in Professional Societies: Chartered Management Institute (UK)
Profile Summary
Evans Muthemba is a risk analyst and financial management consultant focusing on
operational and credit risk management. Evans has over 12 years of management
consultancy primarily reviewing financial data from Corporate, MFI’s, SME’s and the SACCO
sectors. Other consultancies have included staff training for operational efficiency through
process mapping that ultimately identifies staff habits, gaps, omissions and process delays
that hinder effective service delivery to customers and hence poor customer experience.
This is a critical area in Microfinance banks and Sacco’s who are increasingly under siege
from banks and other financial service providers who are want on swaying any customers
to increase their market share. In reviewing various risks facing institutions, Evans has
gathered, trained and documented numerous causes of poor service delivery that impact on
the institutions bottom line, growth and profitability. The subsequent training on various
levels of risks has improved operational efficiency and customer services experience.
He has also been involved in training young entrepreneurs and SME’s on financial
management especially the utilization of simple budget cash flows to ensure their business
are well funded to avoid cash flow deficits that result in erosion of investment capital
leading to failure of young businesses. Evans has a training process that allows the
entrepreneur look through real life examples of business failure prior to start of funding by
banks or other intermediaries.
Evans started his career in financial management after joining one of the largest audit firms
in the country, Ernest & Young soon after completing high school education and prior to
joining the University for Undergraduate Studies. After graduating with a bachelor’s degree
in Education majoring in Economics, Evans continued with Audit & Financial Management
where he gained invaluable experience in auditing of accounting records of a large variety
of organizations such as Banks, Microfinance Banks, Corporate businesses, SME’s and
private firms. Evans moved to the banking world until 1990 when he joined a large
multinational firm as the Treasury and Administration Manager a docket which allowed
him to implement policies on investment decisions with a financial layout in excess of Kshs
15Billion per annum.
From year 2005, Evans moved into consultancy undertaking assignments with a consulting
firm documenting and developing Financial systems and procedures for SACCO’S, SME’s
and manufacturing firms. He has also undertaken Forensic audit for Educational
institutions, SME’s, and NGO’s, performed Human Resource Recruitment for various
organizations, Salary Surveys, Operational systems review, Review of controls & financial
procedures in various organizations to ensure appropriate systems, software and human
resource efficiencies are in place to match strategic goals especially in MFI’s, SME’s and
SACCO’S undergoing transformation in the light of rationalization and organizational
change.
Evans acted as the consultant in the restructuring of the Nairobi Equator Hospital for a
period of 3 years culminating in a turn-around of the hospital finances from improved cash
and patient flows through lean and efficient cash management system. Reviewing gaps and
omissions in customer service delivery and arranging training on customer service to
increase patient flow and enhance level of customer satisfaction. The restructuring
included identification of a new hospital management software with daily reports from
various revenue centres. A systematic approach to resource allocation and evaluation of the
human resource needs enabled the standardization of remuneration packages for staff of
different cadres and experience. An evaluation of the hospitals strategic plans resulted in
the recommendations for a strategic partner to inject the much needed capital to upgrade
the hospital infrastructure and medical equipment.
Education:
Institution: Hull University Business School Degree/title: MBA (Management)
(UK)
Date: 2005 - 2007
Institution: University of Nairobi Degree/title: Bachelor of Education
Date: 1984 (Economics)
Selected trainings attended
Year: 2013
Content: Risk Management
Institution/ Training Facilitator: Cooperative
Certification Course
University College, Kenya/MicroSave
Year: 2012 Content: Institutional Change
Institution/Training Facilitator: FSD/Essence Management; Focus on Managing
International Limited Change in SACCO’S
Year: 2008 Content: Institutional Diagnosis,
Institution/ Training Facilitator: WOCCU Governance, Leadership
Year: 2008
Content: Risk Analysis & Process
Institution/ Training Facilitator:
Mapping
WOCCU/MicroSave
Year: 2007: Strathmore College Content: Certificate in Information
Technology
Year: 1984 - 1988
Content: Accountancy Level 1 & 2
Institution: Strathmore College
Employment Record:
Period: Nov 2015 – May 2016 Country: Kenya
Employer: Tai Sacco Society Position: Consultant
Limited Email: john.mwangi@tai.sacco.coop
Reference: John Mwangi - CEO
 Restructuring of the SACCO and design of new roles and responsibilities to
enhance service delivery
 Recruitment process involving advertising, short-listing and interviewing
required staff
 Facilitation of Strategic Plan Review workshop
 Redesigning of the SACCO Organogram to meet strategic objectives
 Human Capacity assessment in terms of skills, competencies and training needs
assessment
 Conducting Board training on role of Human Resource Function, job descriptions,
job evaluation and performance management.
 Board training on Change Management
Period: April 2016 Country: Kenya
Employer: NRS Sacco Limited Position: Consultant
Reference: Teresiah Chumari Email: ceo@nrsacco.co.ke
Board Training on Investment decision making
Period: Oct 2015 – Jan 2016 Country: Kenya

Employer: Encot Uganda Position: Consultant
Reference: Paschal Mandhawun, Managing Email: info@encot.org
Director/CEO
 Developing break-through change management process to institutionalize
recommendations from the market research findings.
 Preparation of the Strategic Plan revised break throw implementation matrix
 Review and preparation of revised Trainer of Trainers hand book
 Financial analysis of the ENCOT Financial statements for the period 2012 to 2014
 Review the current Group Loan Credit manual
Period: May 2015 – to date Country: Kenya

Employer: Karibu Kenya Ventures Position: Consultant
Reference: Alex Malla Email: alexmalla62@gmail.com
 Market Feasibility study for establishment of Micro-Finance Bank
 Mapping various survey locations
 Financial feasibility of proposed Microfinance Bank
 Cash flow projections for the proposed MFB based on various assumptions
 Strategic Plan for KKVL
Period:1998 to date Country: Kenya

Employer: Strategic Quality Management Ltd Position: Director
Reference: Charles Maina Email: info@sqm.co.ke
 Director and consultant at the Kenya based consultancy firm, focusing on financial
analysis and credit risk review for SME’s, SACCO’S and other financial institutions.
Evans provides strategic leadership and acts as the firm’s chief contact with a
network of consultancy partners to build on key business process that the firm
works for. Conducts evaluation of training needs for firm’s staff whilst leveraging on
current capacity to undertake multiple assignments by utilizing wealth of knowledge
within the firm’s network.
Period: 2014 - to date Country: Kenya

Employer: UPAR Kenya Ltd Position: Consultant
Reference: Esther Oloo Email: esther@uparkenya.com
 Consultant on SACCO Business Model.
 Training SACCO’S on the implementation of the new Unclaimed Financial Assets Act,
2011 and the implementation of the Draft Unclaimed Financial Assets Regulations,
2014.
 Reviewing challenges in operations and outlining proactive measures required to
facilitate ease of reporting unclaimed financial assets.
 Training focusing on creating awareness of the Act, and detailing the measures
SACCO’S are expected to make to ensure compliance with the act to avoid penalties.
 Review of risks facing SME’s and SACCO’S encounter in their database management
Period: May 2014 - July 2014 Country: Kenya

Employer: FSD (Financial Sector Position: Consultant
Deepening) Email: <Trevor@microsave.net>
Reference: Trevor Mugwanga
 Conducting risk management review within various SACCO operations to establish
the various risks that SACCO’S face and making recommendations which if
implemented would enhance performance in their business operations as well as in
enhancing compliance with legislation relating to SACCO licensing and regulatory
framework.
Period: Nov 2014 - Feb 2015 Country: Kenya

Employer: Association of Kenya Credit Position: Consultant
Providers/FSD Email: mark.kimondo@gmail.com
Reference: Mark Kimondo
 Credit Information Sharing Capacity Assessment for SACCO’S
 Development of online survey questionnaire
 Development of tool to assess capacity of SACCO’S to share credit information
 Leverage on past experience in banks, DTM CIS to assess SACCO’S
 Institutional assessment involving reviewing financial reports, cash flows and
financial management to establish quality of financial and management reports
prepared for purposes of integration into the CIS system as well as in credit
appraisal
 Develop appropriate SACCO monitoring tools in assessing their readiness to
integrate CIS in their credit appraisal processes.

Employer: FSDK Position: Consultant
Reference:Mutua Mulanga Email: <Mutua.Mulanga@fsdkenya.org>
 Evaluation of Century MF Bank’s Agricultural Value Chain Enhancement
 Evaluation of the banks financial performance in terms of key performance
indicators and ratios
 Reviewing financial management reports and cash flows and their integration in the
decision making process for effective management and reporting
 Preparing report on financial performance of the institution and making
recommendations to enhance financial and operational efficiency.
 Preparation of report indicating nature of training needs for both management and
board
Period: Dec 2014 Country: Kenya

Employer: Kenya Institute of Bankers Position: Consultant
Reference: Simon Guchu Email: training@kib.co.ke
 Training on benefits of compliance with the Unclaimed Financial Assets Act
 Leverage on past experience in challenges faced in banks to manage dormant
/inactive accounts
 Past experience in data clean up exercise in banks
 Develop an appropriate curriculum and training materials on good financial
management to ensure banks capture relevant data for KYC which is critical to
reduce unclaimed financial assets within banking operations.
 Facilitate training to bank representatives.
Period: August -Oct 2014 Country: Kenya

Employer: USAID/DAI/Essence Position: Consultant
International Email: Gacoki_Gacece@dai.com
Reference: Peter Lengewa/ Gacece
Kipruto
 Business Model Transformation at Stima SACCO
Reviewing business processes with a view of realigning the products and processes
to facilitate a new business model following the expansion of product penetration
after opening of the common bond. Review detailed new policies and procedures to
support the new membership categories that enhance financial inclusion of SMES,
individual lending and business people.
 Preparing new business process maps and training staff on use of the new processes
to enhance operational efficiency and service delivery to members.
Period: Sept – Oct 2007 Country: Kenya

Employer: Kenrite Services Ltd Position: Consultant
Reference: Chris Mwangi Email: sqmltd@gmail.com
 Preparation of business plan and conducting market survey to establish the viability
of setting up a water bottling plant in Kiambu District for the SME which has a
division of distribution of imported foods.
Preparation of the requisite policies and procedures necessary to manage the new
water division.
Period: April 2012 Country: Kenya

Employer: USAID Position: Consultant/Trainer
Reference: Abeid Gatimu Email: abeid@gatimu.co.ke
 Value chain analysis in the milk sub sector in the Nakuru milk shed and identifying
capacity gaps of the leadership for effective management and growth of the sector
 Training groups of farmers in leadership and the essentials board members and
senior management need to grasp in terms of financial management: Financial
management, Cash flow management, monitoring effectiveness of policies through
reports and feed back loops available.
 The capacity building through training to enhance financial awareness and
knowledge, including financial terminology, institutions, and concepts.
 Preparation of appropriate training materials on financial literacy used in the
training.
 Deliver training to the farmer groups leaders, management and members.

Employer: FSD – SACCO Cap Position: Lead Consultant
Reference: Cecilia Mwangi Email: Cecilia.kariuki@gmail.com
 Reviewing business processes to identify risks and gaps at Capital Sacco
 Training staff on risk analysis through process mapping
 Identifying new processes and recommending changes to boost efficiency and
customer service delivery
 Presentation to Board
Period: 2009/2010 Country: Kenya

Employer: FSD–SACCO Cap project Position: Lead Consultant
Reference: Cecilia Kariuki Email: Cecilia.kariuki@gmail.com
 Reviewing business processes to identify risks and gaps at Stima Sacco and Ndege
Chai
 Training staff on risk analysis through participative process mapping
 Identifying new processes and recommending changes to boost efficiency and
service delivery to members
 Presentation to Board
Language Skills
(1=very good, negotiating level / 2=good / 3=satisfactory / 4=basic knowledge)
Language Spoken Written Read
English 1 1 1
Swahili 1 2 2
Memberships
 Certified MicroSave trainer in Risk Management
 Member, Chartered Management Institute – UK
Certification:
I, the undersigned, certify that these data correctly describe me, my qualifications, and my
experience.
__________________________________________ Date: _19 th May 2016

[Signature of staff member]
__________________________________________ Date: 19th May 2016

[Signature of authorized representative of the firm]
Full name of staff member: Evans Mburu Muthemba
Full name of authorized representative: Alex Malla
CV 4:NAHASHON MUBICHI MWONGERA
PROFESSIONAL PROFILE
Mr. Mwongera is a Research and Development Professional with training background in
Development Economics, Monetary studies, Econometrics, Statistics, Sociology, Socio-
economic and Market Research Methodologies.
Mwongera is a Research Associate/Consultant in economic development, with Fineline

Systems and Management Limited, a private Management consulting firm based at Nairobi
and specialized in Microfinance, Small and Medium Enterprise (SME) development.
Previously he worked as Fineline’s Research and Market Development Officer. Mwongera
has proven skills and experience in writing consultancy/funding, Technical and Financial
proposals. While at Fineline, he participated in actual implementation of some of the
projects including Swedish Cooperative Center, Kenya – Micro-insurance survey
conducted in 4 East African Countries (2008); Stima SACCO, Kenya – market research for
product refinement / development and institutional transformation (2008); ECLOF
Microfinance, Kenya – Market research for product refinement/development and
Institutional transformation strategy (2008); DFID – to assess capacity gaps of staff of
Ugandan Savings and Credit Cooperative Societies (2007); Micro-enterprises Support
Programme Trust (MESPT), Kenya – Mid-term Review of a loan program managed by
MESPT for the Danish Development Agency (DANIDA), 2007; World Council of Credit
Unions, Kenya (2007); Training Needs Assessment project for K-Rep Development
Agency (2006); and a study conducted for the Netherlands Development Organisation
(SNV) to advice on suitable microfinance delivery mechanisms for pastoralist communities
in Kenya (2005).
Before joining Fineline, Mwongera had worked as Head of Research Department for
Integral Advisory Limited, a regional consulting firm based at Nairobi, providing financial
linkage solutions for renewable energy projects in East Africa. While working here, he
gained skills and experience in project finance and management.
He has hands-on experience and competence in: Designing Social-economic and

Operational Research Methodologies; Conducting Market research for product
development and New innovative ideas development;Profiling for needs assessments;
Training Needs Assessments (TNA); Using Focus Group Discussion (FGD), Participatory
Rapid Appraisal (PRA) and Sustainable Livelihood Approach (SLA) tools; Stakeholder
Mapping and Analysis; Analyzing large quantitative and qualitative data sets; Training of
Trainers (TOT); Preparation of Technical and Financial bids for consultancies; Technical
skills in Project Monitoring and Evaluation (M&E), and Log frame matrix formulation;
Developing Project work plans, budgets and Proposal Writing; Client Liaison; Writing of
Technical Reports and Sectoral briefs; and Presentation of findings using PowerPoint
applications and other visual aids. In addition, he is competent in using windows-based
computer software such as MS-Office; Statistical and Data analysis software including SPSS,
E-Views, PC-GIVE, Microfit, LIMDEP, and good working knowledge of STATA; and usage of
Web Design Software (e.g. Macromedia Dream-weaver).
PERSONAL DETAILS
Date of Birth 6th November 1972
Nationality Kenyan
Gender Male
Contact P. O. Box 18367 – 00100, Nairobi, Kenya
Details Mobile Phone Number: +254 734 414 155
Email Contacts: namubich@yahoo.com
Languages Proficiency in English and Kiswahili – both written and spoken
EDUCATION BACKGROUND
Aug. 2001 – Aug. University of Botswana, Gaborone, Botswana
2003 Master of Arts – Economics (Econometrics and Monetary Studies)
April 1993 – Mar. Egerton University, Njoro, Kenya
1998 Bachelor of Arts (Hons.) Economics
(Minor Courses: Mathematics, Sociology)
Jan. 1998 – Nov. Meru High School, Meru, Kenya
1991 Kenya Certificate of Secondary Education (KCSE)
Jan. 1980 – Nov. Mwiteria Primary School, Meru, Kenya
1987 Kenya Certificate of Primary Education (KCPE)
.Other Courses and Trainings Received:
.May 2007 Residential and fieldwork-based training on Market Research and Product
Development for Microfinance Institutions using Microsave tools (See:
http://www.microsave.org), including: Product Development Cycle; Market
Research Process and Methodology; Participatory Rapid Appraisal and
Focus Group Discussions; Product Attribute Ranking; Relative Preference
Ranking; Financial Landscape Analysis; Financial Services Matrix;
Seasonality Analysis; and Cash Mobility Mapping. The training was
organized by TheWorld Council of Credit Unions
(http://www.woccu.org) as part of WOCCU’s SACCO capacity building
Programme in Kenya. Research objective was “To determine the market
perception of the products and services of Mungania Tea Growers’ SACCO” in
Embu, Kenya.
April 2007 Training on SACCO Bylaws, Financial Management and Governance,
organized by World Council of Credit Unions as part of WOCCU’s SACCO
capacity building Programme in Kenya.
Aug. 2006 – A course in Website Design and Administration: Specific areas included
Oct.2006 Principles of Web Design; HTML (using Macromedia Dreamweaver and
Macromedia Extension Manager); Graphics Editing (using Macromedia
Fireworks); FTP Access; General Formatting of content; Backend
Administration. The course was offered by NairobiNet Online Ltd.
(Seehttp://www.nbnet.co.ke).
April 2006 A course on Training of Trainers (TOT) organized by Fineline Systems and
Management Limited, Nairobi, Kenya (http://www.finelinesml.com).
Oct. 2002 – Wrote a Research Thesis for M.A. Economics entitled: “An Investigation into
June 2003 the Impact of Economic Structural Adjustment Programmes on Private
Capital Formation – Empirical Evidence on Kenya”. (32,000 words)
July – Oct. Training in the use of Research Methodology tools and Computer software:
2002 SPSS; STATA; E-VIEWS; PC-GIVE; MICROFIT; and SCIENTIFIC-
WORKPLACE; (Undertaken at a 3-month Economics Symposium in Nairobi,
Kenya, organized by the African Economic Research Consortium (A.E.R.C.);
- See more information on A.E.R.C’s Collaborative MA Programme (CMAP)
at: http://www.aercafrica.org )
July – Aug. Training in Computer Applications: MS-Dos and Windows; MS-Office; taken
1995 at Egerton University, Kenya
(http://www.egerton.ac.ke/Regerton/index.php).
WORK EXPERIENCE
June 2009 – RESEARCH ASSISTANT TO THE EXECUTIVE DIRECTOR,
To date Kenya Institute for Public Policy Research and Analysis (KIPPRA),
Nairobi, Kenya; (http://www.kippra.org)
Reports to the Executive Director;
Key Competencies and Achievements:
Research:
 Conducting policy research and analysis on various sectors of the Kenya
economy including Tourism, Environment and Natural Resource
Management
 Teaming up with other research staff of the Institute to conduct various
national-wide research projects – including baseline/survey,
benchmarking and monitoring studies
 Preparing various Research tools, Data collection, entry, cleaning and
analysis using various statistical software;
Report Writing:
 Writing and presentation of various research papers: - Concept papers;
Policy briefs; working papers; Journal papers; Media articles; Annual
KIPPRA Kenya Economic Report; Analytical reports on research
consultancy work carried out for various clients (Government Ministries
and Parastatals);
Consultancy:
 Participation in preparing various research consultancy proposals for the
Institute
 Part of the KIPPRA Monitoring and Evaluation team
Networking:
 Representing KIPPRA in various workshops – both domestic and
international
 Participating in various stakeholder workshops, Public and Private sector
Task-forces
Oct. 2005 – RESEARCH AND MARKET DEVELOPMENT OFFICER,
May 2009 Fineline Systems & Management Ltd, Nairobi, Kenya;
(http://www.finelinesml.com)
Reports to the Managing Director;
Research:
 Data collection, entry and analysis using various statistical software;
Conducting Sectoral Analysis with a view to identifying investment
opportunities;
 Profiling for Needs Assessment and developing Research Methodologies;
Data-base development for the firm’s usage, on Sectoral players, their
activities and contacts;
 Participating in conducting Training Needs Assessment projects for the
firm’s clients;
Consultancy:
 Financial, Management and Research projects
 Product Design and Development in Finance, Marketing and Research;
 Facilitating Training in Market Research
 Reviewing Business Plans and participating in preparing Strategic
Implementation Plans
Report Writing:
 Preparing Consultancy/Analytical Reports for various projects
undertaken;
 Coordinating field-work activities of researchers during data-collection
exercises;
Proposal Writing; and Networking:
 Developing Technical and Financial consultancy proposals ; and Concept
papers
 Participating in the development of the firm’s Marketing Strategies, and
direct involvement in the firm’s marketing activities at various
workshops/Forum;
Documentation:
 Preparing Sectoral briefs; Maintaining the company’s resource center,
Collecting and collating relevant documents in hard and soft copies;
Maintaining Consultants database
Technical Support:
 Providing Technical Support where necessary; Updating the Firm’s
website;
 Training / supervising other staff
July 2004 – HEAD OF RESEARCH AND DATA SERVICES DIVISION,
Sept. 2005 Integral Advisory Limited, Nairobi, Kenya; (http://www.integral-
advisory.com)
Reporting to the Managing Director; key responsibilities and competences
were:
 Conducting Agricultural, Economic, Social and Market Research Projects;
 Providing Policy Analysis and Economic Advisory/Consultancy Services;
 Business Development and Client Liaison;
 Development of East African Countries’ Investment Strategy Database
 Writing Comprehensive Projects Progress Reports and Research Briefs;
 Analyzing Investment Projects and Advising on their Viability;
 Reviewing Client’s Business Plans;
 Preparing Investment Intakes, Proposals and Funds Disbursement
Documents;
 The Director’s Assistant in Operational work, Project Monitoring and
Evaluation;
Aug. – Nov. TEACHING AND RESEARCH ASSISTANT,
2002 Department of Economics, University of Botswana, Botswana
(http://www.ub.bw)
Reporting to the Head of Economics Department; Key responsibilities were:
 Organizing and conducting tutorials for undergraduate students
 Assisting Course Lecturers with their Research Projects
July 1998 – SMALL SCALE BUSINESS ENTERPRISE MANAGER (Self-Employed),
July 2001 Invertek Enterprises, Meru, Kenya
As a self-employed entrepreneur, my key responsibilities and competences
were:
 Research, Assembly, Marketing and Installation of Solar Energy products
(DC-AC Inverters, Fluorescent lights, Photo-Voltaic Panels) in rural
communities of Kenya
.Part-time Work
Dec. 1998 RESEARCH ASSISTANT,
AcNielsen International, Nairobi, Kenya; (http://www2.acnielsen.com)
Reporting to the Lead Research Officer, key responsibilities were:
 Collecting Marketing research data on Fast Moving Consumer Goods
(FMCG)
 Conducting mystery shopping
 Data cleaning, preliminary analysis, and preparing a draft report on key
findings
Dec. 1997 POLLING CLERK, 1997 KENYA GENERAL ELECTION

Electoral Commission of Kenya; (http://www.eck.or.ke)
Reporting to the Retuning Officer, key responsibilities were:
 Facilitating and managing voting operations within a Polling Station
RESEARCH WORK, CONSULTANCIES UNDERTAKEN AND REPORTS WRITTEN
April – June Team Leader in a study conducted by KIPPRA on Competitiveness and
2010 Productivity of the Nairobi Tourism Cluster. The outcome of the study will
enable the Ministries of Trade and Industry to Plan for the implementation
of various flag-ship/capacity-building projects to improve productivity in 6
key sectors of the economy (including Tourism, Agriculture, ICT and
Infrastructure) , as part of achievement of the Kenya Vision 2030.
December Team Member in a survey conducted for the CARE International – Kenya, an
2008 – International NGO, to evaluate the success of its Livestock Purchase Fund
January project in Northern Kenya. The outcome of the study was a comprehensive
2009 business plan recommending to CARE Kenya on how to run the project
sustainably.
November Team Member in a survey conducted for the Netherlands Development
– December Oganisation (SNV), an International NGO, to document innovative livestock
2008 Value Chain Financing Models among the pastoralists in Northern Kenya.
The outcome of the study was a comprehensive report recommending to
SNV on how to up-scale the identified successful models through suitable
delivery mechanisms.
September Team Member in a Market Research and Mystery Shopping Consultancy for
– October Akiba Commercial Bank, Tanzania - to access clients perception regarding
2008 its current products and markets; and refinement of its Strategic Business
Plan; Image of the Bank Vis-aà -vis the competition.
June – July Team Member in Market Research Study for the Kenya Ecumenical
2008 Church Loan Fund (ECLOF) Microfinance Institution - to access clients
perception regarding its current products and markets; and refinement of
its Corporate Strategic Plan.
March – Team Member in a Market Research Study for Stima Savings and
May 2008 Cooperative Society (http://www.stima-sacco.com) to access clients’
perception regarding its current products and services and expansion into
new markets.
Jan. – Feb. Team Member in a Research project conducted for the Swedish
2008 Cooperative Centre and Vi-Agro-forestry Program on the Micro-
insurance Sector in Eastern Africa - Kenya, Uganda, Tanzania, Rwanda
(http://www.utangranser.se/Default.aspx?ID=163).
Oct. – Dec. Team Member in a project conducted for the Danish Development Agency
2007 (DANIDA) – an International NGO – in review of performance of an
agricultural loan program managed by the Micro-enterprises Support
Programme Trust (MESPT) (http://www.microfinancetrust.org) for
DANIDA.
Aug. – Sept. Team Member in a project conducted for the Department for
2007 International Development (DFID)’s Financial Sector Deepening Uganda
(FSDU) Project (http://www.fsdu.or.ug), to assess the capacity gaps in the
work and functions of Accountants and Auditors of Ugandan Savings and
Credit Cooperative Societies (SACCOs).
Aug. – Nov. Team Member in a Training Needs Assessment (TNA) project conducted for
2006 the ‘Kenya Rural Enterprise Program (K-Rep) Microfinance Institution to
assess capacity gaps of Staff of K-ReP’s Financial Services Associations
(FSA) – Over 50 “Village Banks” established in Arid and Semi-Arid areas to
bring financial services closer to the “un-banked” rural poor. (Visit:
http://www.k-rep.org/devagency.asp).
Oct. 2005 – Team Member in a study conducted for ‘The Netherlands Development
Feb. 2006 Organization (SNV)’, to assess the Demand and Supply for Financial
services (credit, savings and money transfers) among the pastoralist
communities in Kenya. The research objective was to enable SNV to develop
appropriate microfinance products for delivery to pastoralist communities.
July 2004 – While working at Integral Advisory Limited (http://www.integral-
Oct. 2005 advisory.com), I completed the following short term research assignments,
for use as advisory tools to potential investors in Eastern Africa:
 Research and analysis of all investment funding organisations targeting
various sectors in Sub-Saharan Africa: sources of funds, destination and
performance; for the Rockefeller Foundation
(http://www.rockfound.org).
 Completed designing of a database for collecting strategic country-
specific investment data for eastern and southern Africa – done using
MS-Access software;
 A review of the Agriculture and seed sector in Zimbabwe; 1980 – 2005;
 A review of Kenya’s dairy sector performance (Approximately 3,200
words);
 A review of the water and sanitation sector in Kenya, and
recommendations for Small and Medium scale Enterprises (SMEs)
development in the sector;
 A study on the non-biodegradable waste management in Kenya and
implications for SMEs development (Approximately 9,000 words);
 A review of enrolment in educational institutions in Kenya – policy and
investment recommendations for existing and potential investors in
Kenya’s education sector
 A field study on the performance of Macadamia nuts value chain in
Kenya.
COUNTRIES VISITED, STUDIED AND / OR WORKED

 Botswana (Studies and part-time work)  Uganda
 South Africa  Zambia
 Tanzania
.PROFESSIONAL REFEREES
Mr. Kamau Kabuccho, Mr. Charles Mutua,
Managing Director, Senior Programme Officer, Financial
Fineline Systems & Management Limited Service,
P.O Box 54536-00200, Nairobi, Kenya Swedish Cooperative Center / Vi-
Tel: +254-20-3873165/6 AgroForestry,
Fax: +254-20-3873166 Regional Office for Eastern Africa
Cell Phone (office) : +254-724-253304; 735- P.O. Box 45767 – 00100 Nairobi, Kenya.
160028 Mobile: +254 722 787 251; +254 735
Mr. Emanuel Kairemia, Mr. Patrick Thaddayos Balla,
HR Officer, Senior Energy Programme
Cooperative Bank of Kenya, Coordinator,
Co-operative House Adventist Development Relief Agency
P.O. Box 48231, Nairobi (ADRA)
Tel: +254-20-327 6000 / 327 6100 P.O. Box 14756 – 00800, Nairobi.
Fax: +254-20-219 831 Mobile: +254 -721 -738994
Mobile (Personal): +254 722 894 584 Satellite Phone: +8821643338455
Mobile (Office): +254 734 890 000 patrickballa@yahoo.com
.
9 Company Profile

Microfinance and Enterprise Development Consulting
Kabarnet Gardens, off Ngong Rd

Suite V8, Nine Planets Apartments
P. O. Box 54536, Nairobi, Kenya
Tel: + 254 (0) 724-253 304
Email: fsm@finelinesml.com
Website: www.finelinesml.com
Contact Person: Alex Malla

Managing Director
Email: alexmalla@finelinesml.com
Who We Are
Fineline Systems & Management Ltd is a leading Economic Development Consulting firm
with specialization in Microfinance and banking; Market
Key Milestones to Date:
research and product development; Value chain and
enterprise development; Finance and information
 Managed 6 Market Linkage
systems; and related economic development work.
Projects for Small-Holder
Fruit Farmers in Kenya
Established in Kenya in 1997, Fineline is dedicated to
Supported by Kenya BDS
the development and growth of microfinance industry
(USAID)
and the small and micro enterprise sectors in the
region. Fineline has worked with local and international
 Developed Long-term
agencies and governments to build the institutional
Business Plans for 9 key
capacities of SACCOS, Microfinance institutions (MFIs),
SACCOs including Kenya
Microfinance banks (MFBs) and banks. Lately, the
Union of Savings & Credit
company is increasingly providing market-driven
Cooperatives - KUSCCO
business development services with a focus on market
facilitation and value chain financing to provide market
 Provided Market Research
based solutions.
for Product Development to
10 SACCOs including
With the changing financial landscape in Kenya and the
Cooperative Bank of Kenya
region, Fineline has increasingly worked with
institutions in technology driven financial services,
 Provided Training &
small and medium enterprises and in agricultural value
Technical Support to Over
chain financing.
16 MFIs in East, Southern
&Western Africa Regions
In Kenya alone, Fineline has managed four market
Our Diversified Clients: linkage projects for smallholder fruit farmers in
 Microfinance Banks Embu/Meru Districts and in Lamu supported by Kenya
 Regulated SACCOs BDS. Fineline has also developed long term business
 MFIs and SACCOs plans for nine SACCOs, including KUSCCO itself, which is
 Commercial Banks the Apex umbrella cooperative union for urban SACCOs
 Institutions Transitioning in the country, and provided market research for new
into Commercial Banks product development and refinement for ten SACCOs
 Government Institutions including the Cooperative Bank of Kenya, which is also a
 Development Partners technical support organization for SACCOs in Kenya.
(including FSDK; USAID;
UNDP; DANIDA; CARE) We see our mission as that of creating and developing
 Other Service Providers new knowledge and information, transferring it to
institutions as well as individuals that increase or help majority of the low income persons
to create wealth. We also believe in a world free from poverty and injustices. Our vision is to
be a
technical What We Value
service
provider of choice for sustainable poverty solutions in Africa and beyond.
To our customers, we believe in giving quality service in terms of timely delivery, adding
value, and
quality packaging.
Fineline’s aim is to help clients meet their desired What We Believe in:
strategic objectives. We appreciate that many clients  Creating Long-term
operate within highly competitive, dynamic and Relationships with our
complex environment. Fineline aims at providing Clients
working solutions to each individual client, based on the  Honesty and Integrity
client’s strategic direction and on best practices in the  Mutual Respect
sector.  Development of Our Team
 Professional Work Ethics
 Continuous Improvement
 Commitment to Clients
 Quality Service Delivery
 A Winning Team Spirit
 Success Through
Delivering Results
To our customers, we believe in giving quality service in terms of timely delivery, adding
value, and quality packaging and delivery.
We are sensitive to work within the established culture of the client organization.
Our Strategic Capabilities

Fineline Systems & Management Ltd has four (4) key activity areas that provide specialist
services to the SACCO/micro finance and enterprise development sector;
(i) Training and Advisory Services
Fineline has been contracted several times by different SACCOs, microfinance and other
financial institutions to develop appropriate curriculum and deliver training to their
operations staff, management, and boards. This has in some cases been accompanied with
other technical support services aimed at strengthening service delivery and ensuring that
an institution best serves its market.
Key Training and Institutional

Capacity Building Assignments:
 Agricultural VC finance Fineline has a strong capacity to provide demand
product development driven training and capacity building services
training for SWISSCONTACT which among others include:
partner SACCO and other  Training needs assessment/ Analysis
financial institutions in East  Development of tailor made training materials
Africa. based on clients strategic plan, policies and
 Operations training for operations procedures
MUSONI staff on its digital  Training delivery to clients staff at all levels
loan product (operations, managerial staff and Boards) using
 Table banking for women in-workshop theory and field work approaches
and youth associations in  Specialist training for SACCOs, Microfinance and
Somaliland (ILO project) Banking institutions
 Operations and  Training of Trainers and facilitating lessons learnt
management training for in workshops and seminars
Capital SACCO, Meru Kenya  Team and individual coaching
 Operations and  Training n Market Research for SACCOs and
Management training for Microfinance
Fortune SACCO, Kirinyaga  Advisory to clients on issues like; training and
Kenya human resource recruitment and capacity
 Pilot testing and rollout of development, funds mobilization, developing
microloan product for innovative projects for emergingmarkets
National Microfinance bank  Direct business training for micro entrepreneurs
of Tanzania
 Micro Enterprise Support (ii) Market facilitation and Value Chain financing
Program Trust (MESPT)
 Central Bank of Ghana
 International Network of
Alternative Financial
Institutions (INAFI)
Market facilitation and value chain financing aim at developing efficiencies in market
systems and identifying and developing market-based solutions within a value chain.
Business development services are designed to help micro, small, and medium enterprises
and cooperatives to overcome barriers to increased profitability by improving their
productivity and access to high value markets. In this way they can create and sustain
productive, remunerative and good quality jobs, reduce poverty, and contribute to the
development of the local economies. These services include training, consultancy and
advisory services, marketing assistance, information, technology development and transfer,
market linkage promotion, and access to finance and financial services.
Fineline continues to explore new and potential opportunities of developing other market
linkages and for commercialization of existing ones to ensure sustainability.
(iii) Market Research and Product Development
Fineline uses market driven approach to provide market led solutions. We have strong
capacity in conducting research with emphasis on use of Qualitative techniques in market
research. Fineline Managing Consultant (Mr. Alex Malla) is an accredited service provider
with MicroSave in Market Research for Microfinance Institutions and SACCOs.
Fineline has also been contracted several times to conduct Market Research assignments,
institutional credit and needs assessments, whose focuses have been to provide insight into
the design of sustainable savings and credit products and guide capacity building
initiatives.
(iv) Technical Support for Rural / Urban Micro- Financial Services
Fineline has strong capacity and experience in provision of technical support services to
SACCOs, micro financial institutions and commercial banks working with development
partners and other stakeholders in micro and SMEs development.
Such have included:
 Strategic Business Planning and Projection Models
 Organizational development and institutional re-engineering process
 Institutional analysis on governance, operations, products and delivery systems, market
and resources
 Market-driven product(s) development process
 Process mapping
 Helping downscaling commercial banks to reach the microenterprise sector
 Supporting transformation of NGOs microfinance to commercial microfinance
institutions
 Monitoring and evaluation of the impact and performance of clients’ programs
Countries of Experience
Fineline has international experience that covers the following countries in eastern, central,
southern and western Africa: Kenya; Uganda; Tanzania; Benin; Ghana; Ethiopia; Malawi;
Namibia; Somalia; South Africa; Zambia; Zimbabwe and Democratic Republic of Congo.
However, our consulting vision is not limited to these areas only but we aim at providing
sustainable solutions to poverty at the global platform as well.
Our Team
Fineline draws its team of lead consultants, support staff and associate consultants from
best-practice SACCO, Banking, microfinance and enterprise development institutions.
Alex Mallais Managing Director and lead resource person in market systems development
as well as in training, institutional development, and market-led product development. Alex
Malla is an experienced Senior Development Banker and consultant with 19 years of
banking knowledge, management ability and Staff development gained in the Cooperative
Bank of Kenya, a Bank that has a specialty in working with SACCOs. As Head of
Microfinance Unit, Alex spearheaded the development of the Co-operative Bank of Kenya’s
Micro-finance Programme from inception in two pilot Branches in 1999 to a stunning
performance whereby it was rolled out to 34 branches with 100 Micro-Credit officers; with
over KSh.3.6 Million in deposits, KSh.750 Million in loans and a portfolio at risk of below
5% by June 2006. Mr. Malla brings onboard broad understanding of all aspects of both
Branch and Head Office functions, but with particular emphasis in working with SACCOs.
Evans Muthemba is an innovative professional with 20+ years of progressive financial

management expertise in diverse industries with demonstrated initiative, creativity and
success in the banking, SME and Sacco sectors. Proactive financial manager with experience
in multiple business set ups handling numerous clients in credit industry and financial
inclusion. Expertise in risk management, risk analysis and process mapping, systems audit,
strategic planning, capital asset oversight, cost containment, budgeting/finance, customer
service, staff training, supervision and mentoring. He is highly skilled in P and L
management, pricing strategies, competitor and market analysis, banking services, legal
compliancy, staffing, purchasing and vendor relations, management reorganization, and
targeted marketing. Evans brings onboard a wealth of knowledge and expertise in SACCO
support garnered while working with Would Council of Credit Unions (WOCCA) capacity
building project in East Africa region.
Joel Maina is an agricultural economist and an accomplished project leader. He is an expert

in Enterprise Development through Value Chains with expertise in several areas ranging
from financial product development and development of an agricultural finance and
support forum, rural microfinance groups on business development aspects, conducting
feasibility studies, monitoring and evaluation of development projects. He has particularly
worked with rural communities, government development organizations, research
organizations and other stakeholders in in agriculture in the Sub-Saharan African region.
He has been widely involved in advisory and design of marketing strategies and models
including contract farming, group marketing models, micro-leasing, value addition and
agro-processing for rural communities. He has equally been involved in development of
localized and effective models for service delivery in financing, extension services, markets
access and information services for promotion and uplifting of rural livelihoods.Mr. Maina
holds a Master’s degree in Agricultural and Applied Economics from Egerton University
under the Collaborative Masters for agriculture and Applied economics (CMAAE); where he
specialized in agricultural policy and trade option in the University of Pretoria, South Africa
(v) Associates
Besides this core team, Fineline works with an associate team of professionals in SACOs,
microfinance, Business Development Services and development finance sectors. These are
drawn on as-need-be basis to reinforce the core team.
Alex Kimanzi is an Associate consultant with Fineline. He holds a Masters in Business
Administration (Finance and Banking Option) from the Moi University and a Bachelors
degree in Business Administration from the Newport University - South Africa. He has
extensive working experience in Microfinance and has authored a training module on
Microfinance training for the National University of Ireland (NUIG), titled “Introduction to
Microfinance Development” – A Practitioner’s Perspective. Some of his microfinance work
experience include: Executive Director of Micro Africa Ltd (MAL), which is a Pan African
Microfinance group with operations in Kenya, Uganda, Rwanda and Sudan. He provided
strategic and operational leadership in implementation of Micro Uganda business unit in
the republic of Uganda.
Ms. Ruth Odera is a microfinance specialist with 19 years work experience in programme
management and microfinance consulting. For 8 years between 1994 and 2002, Ms. Odera
coordinated several donor development (GTZ/IFAD/FAO) projects with annual budget of
US$1.5million. Part of the activities in this position included selection of banks, MFIs and
SACCOs for capacity building activities, coordinating research programme, selection of
thematic topics for study, organizing workshops and consultative forums, presentation of
technical papers in seminars and workshops, budgeting and information dissemination
through publications of semi-annual newsletters and bi-annual publications. Ms. Odera
gained valuable experience in advocacy, dissemination of information, mobilization of
membership among others.
Stephen Wanjala is a Microfinance Specialist with more than 18 years of hands on
experience in Microfinance and SACCO operations management, training and Business
Development services (BDS). Currently, Mr. Wanjala is also studying for a Master’s degree in
Development finance at Stellenbosch Business School. He holds a Bachelor of Business
Administration degree (BBA Major in Finance and Accounting and Minor in
Entrepreneurship) and a Diploma in Cooperative Audit (Banking and Management). He has
attended specialized training in housing finance, agriculture, rural livelihood and in
banking. Mr.Wanjala has a rich and varied working experience of over 18 years in managing
development projects (under various successful IFC/World Bank/ EU/ USAID/ UNDP/CIDA
aided projects viz. Teba Bank, ECDC, Ubutyebi Trust ,KREP Holdings, KREP Bank, World
Vision Somalia, Southern Sudan Agriculture Revitalization Program, Habitat for Humanity
International, Rooftops Canada), Women empowerment, Youth Enterprise, rural
development, micro-credit, micro-insurance, micro-enterprises, Housing poverty & rural
livelihoods, BDS, Agriculture rural lending, agri-business management, M&E, monitoring of
NGOs, training & HR development.
Joseph Geitahas over 10 years’ experience in training, research and product development
for SACCOs and micro finance and marketing of financial services gained in the course of
formal employment in banking and SACCO sectors. He was in charge of research and
products development in Equity Bank and Family Bank and until Feb 2010 with World
Council of Credit Union’s, WOCCU/FSD SACCO Cap Project in Kenya where he was the
project’s Product Development and Credit Specialist. He has gained a lot of experience in
product design, pilot-testing and rollout of various financial products.
He is a Trainer of Trainers through the Global Financial Education Program by the
Microfinance Opportunities and is also trained in Designing Adult Learning Sessions by
CGAP. He has also been actively involved in implementation of various development
projects initiated by development institutions such Swiss Contact, FSD, WOCCU and SCC,
IPA among others.
Mr. Geita holds a Bachelor of Education degree in Arts from Kenyatta University and an
MBA from United States International University-Africa. He is trained by MicroSave since
2001 on Market Research and Product Development among several other tools.
Summary of Our Key Previous and On-going Assignments
The following is a summary of key previous and on-going assignments we have undertaken:
(i) Market Research for Product Development, Impact and Institutional
Development
 June - Current 2016: Assist in establishing two SACCO in Southern Provinces in Choma
and Monze for SNV Zambia
 June – Current 2016: Market study of financial access for livestock enterprises in
Machakos, Kitui and Makueni: Kenya Semi-Arid Lands Livestock Enhancement
Programme (K-SALES)
 January – March 2016: Restructuring TAI SACCO to position itself as a modern and
vibrant organization to face completion and provide impeccable customer service to
members.
 November – February 2016: Revision of the group lending methodology for ENCOT
Microfinance Institution in Masindi Uganda – Gramene Credit Agricole
 July 2015: Development of the Credit Manual and training of the Credit staff for Capital
SACCO in Meru.
 Nov – Dec 2015Mapping of Financial Services in Balkh and Samangan in Afghanistan
and recommend finance model and product to reach the poor for ILO Afghanistan.
 Dec 2015 – Develop of the Strategic Plan for Capital SACCO Meru
 June – Dec 2015: Conducted Feasibility Study, developed Strategic and business plan
for a Karibu Kenya a proposed new Microfinance Bank in Thika Kenya
 Jan – March 2015: Evaluation of three agricultural value chain financing models in
Sorghun, Dairy and stevia with a view to developing a business model, refining product
development, and approaching new value chains in agriculture for Century
Microfinance Bank financed by Financial Sector Deepening Fund Trust Kenya.
 Jan – March 2012: Market research and opportunity assess for lending to farmers of
selected crops for low income households for KWFT funded by DAI/USAID-FIRM Kenya
 Nov – Dec 2011: Project evaluation for Financial empowerment for member-based
organization implemented by Co-operative bank of Kenya funded by Swedish Co-
operative Centre (SCC).
 Nov 2011 – Feb 2012: Growth and opportunity assessment of Financial Service
Association (FSA) model for supporting dairy value chain, for Technoserve funded by
DAI/USAID-FIRM Kenya
 Oct 2011 - Feb 2012: Market research and opportunity assess for energy loan product
for low income households for KWFT funded by DAI/USAID-FIRM Kenya
 2010 – Current: Market Research and new product development for Kirinyaga Farmers
SACCO (funded by FSDK)
 May-November 2010: Market Research and new product development for NEST
SACCO
 Aug 2008 – Feb 2009: Market Research and new product development for STIMA
SACCO
 June – Nov 2008: Market Research and new product development for Eclof Kenya
 AUGUST / SEPTEMBER 2007: Market Research for Product Development training and field
research for SACCOS/MFIs Training and technical assistance provided to Nest Sacco,
PostBank, WEDCO MFI and Mwingi Mwalimu SACCO
 August – December 2006: Contracted by K-Rep Development Agency (KDA), Kenya, to
conduct a Training Needs Assessment (TNA) for its Operations, Finance, Audit and
Management staff working with KDA’s Financial Services Associations (FSA)/Village
Banks;
 JULY 10 – 26, 2005: Market Research for Product Development training and field
research for SACCOS/MFIs Training and technical assistance provided to Kingdom
Sacco, Kwale Teachers Sacco, Sunlink, FedhaLink Finance Ltd, Co-op Bank (Cofep)
 August 2005: Market Research, Product Development/Refinement and
Institutional Refocusing for Kenya Women Finance Trust
 October – December 2005, SNV-Kenya: ‘Study on Microfinance Products within
Pastoralists communities’-The study involved a thorough research on the demand and
supply sides of financial Services within specially selected pastoralists’ operating areas
in Kenya. The study aimed at establishing rationale for development of microfinance
products and financial services for the pastoralists’ communities in Kenya.
 November 2004, Contracted by World Vision International to assess the institutional
capacity of Wisdom Microfinancing Institution of Ethiopia for transformation into a
deposit-taking microfinance institution and develop a transformation strategy
 September 2004, Contracted by ITDG to evaluate the viability and sustainability of
enterprises associated with Waste in Nairobi under UNDP Waste Management
Programme.
 May 2004, contracted by Kenya Business Development Services (USAID) to
undertake a Census/Survey of Avocado Sub-Sector in Maragua and evaluate the
potential for export market. The outcome for this feasibility study is a landmark report
showing Maragua avocado production capacity, names of farmers, network for
transport and pictorial display of clusters
 APRIL/MAY 2004 Training in Market Research and Product development for Danida-
Supported MFIs in the Cost and EasternProvinces
 APRIL/MAY/JUNE 2004: Market Survey to determine the nature and scope of demand for
microfinance in Samburu Division, Kwale District, CostProvince to assist
MEDP/DANIDA/GOK design an appropriate microfinance intervention for the area.
 AUG/SEPT/OCT 2003: Market research and new product development and refinement
for World Vision’s SEDA MFI in Tanzania
 AUG 10 – 26 2003. Market Research for Product Development training and field
research for SACCOS/MFIs Training and technical assistance provided to National
Microfinance Bank (Tanzania), SNV Uganda, MEDP(Danida, Kenya), Consolidated Bank
 Feb - March 2003: Providing market and product development training to INAFI
(International network of Alternative Financial Institutions) network members from in
East, Central, Southern and Western African countries
 JAN 2003, Contracted by MicroSave-Africa to conduct a study of money transfer systems
in Kenya and provide advice on possible product options for microfinance institutions
 Sept/Oct/Nov/Dec 2002: Contracted by MicroSave and SwissContact as part of the
team to provide Training and Marketresearch, new product development, pilot testing
and rollout for Equity Bank (then Equity Building Society)
 2001, RDI/Stock Watch, OAU/IBAR / EU: Survey of micro credit needs among
households participating in Farming in Tsetse Controlled areas in Kenya (FITCA-Kenya)
in western Kenya. Survey also involved institutional analysis of the microfinance
institutions operating in the target area.
 September/October 2001: Contracted by Microsave-Africa to review and document
the process and outcomes of Kenya Post Office Savings Bank’s market research, product
development and pilot testing of Bidii savings product.
 MAY/JUNE 2001: Contracted by MicroSave to conducted research to determine the
effects of HIV/AIDS on microfinance in Uganda and Kenya
 APRIL2001- JUNE 2002: Marketresearch and new product development, pilot testing
and roll-out for Faulu Kenya
 January 2001, Fineline commissioned own feasibility study to look into alternative
mechanisms for building and strengthening the capacity of SACCOs to deliver
microfinance. The outcomes of this study led to Fineline’s business Programme for
working with SACCOs in institutional capacity building in market driven microfinance
product development
 2001, Association of African Agricultural and Rural Development Banks
(AFRACA): Survey of commercial banks in Kenya already involved in microfinance to
identify their reasons for getting into microfinance, document their product and risk
profiles and institutional adaptations made for delivery of microfinance, and also
document the number of customers reached by the banks.
(ii) Training and Technical assistance
 Ongoing from 2006, FINCA International (Africa region):Design and
implementation of training to operations and management staff of FINCA based on
FINCA’s lending policies and procedures (in Congo D.R.C; Malawi; Tanzania; Uganda;
and Zambia).
 2004- Ministry of Co-operatives and Marketing, Tanzania:
 January 2003 – September 2004, CMF, Kampala, Uganda: Specific training and
Technical assistance in market research and product development to Operations,
Finance, Audit and Management staff of Commercial Microfinance Ltd (Uganda).
 Kwale/Taita/Kitui Districts MFI Capacity Building 2003/2004. Contracted by
DANIDA/GOK (MEDP/MFII) to train and provide technical support in market driven
microfinance product development to MFIs supported by DANIDA/GOK’s MFII project
 February 2003, INAFI Africa, NairobiKenya: Training and technical assistance in
Market Research and Product Development to MFIs drawn from all INAFI operating
areas in Africa
 October 2001 and February 2002, MicroSave Africa (MSA) in partnership with
Swisscontact: Theory and field-based training to the marketing team of Equity Building
Society (now known as Equity Bank Ltd).
 November 2001, MicroSave-Africa: Technical support to the Kenya Post Office Savings
Bank in the pilot testing and rollout stage of its newly developed ‘Bidii’ savings product.
 May 2001, MicroSave Africa: commissioned study on; ‘HIV/AIDS- Responding to a
Silent Economic Crisis among Microfinance Clients’-A study of the Effects of HIV/AIDS
on Microfinance Institutions
 On-going since 1999, National Microfinance Bank, Tanzania:Institutional refocusing
on microlending and training of operations, finance, audit and management staff of
Tanzania’s National Microfinance Bank - now the lead institution in the provision of
microfinance in Tanzania.
 Strategic Business planning for SACCOs and micro finance institutions including;
KUSCCO, Kilifi SACCO, Kenya Bankers SACCO and Jitegemea Credit Scheme.
 Training and technical assistance for microfinance institutions – for a broad range
of clients in the Eastern, Central, Southern and Western African countries that includes:
The National Microfinance Bank of Tanzania, Equity Building Society of Kenya, Kenya
women Finance Trust, Uganda Women Finance Trust,Khula Enterprise Finance of South
Africa, Central Bank of
(iii) Market linkages and business development services
 Ongoing since 2006- Kenya Business Development Services (KBDS): Fineline is
managing the market linkage project for Avocado Fruits in Maragua-Thika district.
managing the market linkage project for mango Fruits in Makueni district.
managing the market linkage projects for Passion Fruits in Embu & Meru Districts,
EasternProvince.
managing the market linkage project for Mango Fruits in Lamu District, CoastProvince.
Our List of Key Clients
Fineline clients include bilateral and multilateral international development institutions;

local-level financial institutions, such as banks, Savings and Credit Cooperatives (SACCOs),
and non-governmental organisations (NGOs). The company is continuously diversifying its
client base through provision of business development services to various sectors of the
economy.
Microfinance Institutions
National Microfinance Bank Limited (NMB) Small and Micro Enterprise Programme
P.O Box 9213, Dar-Es-Salaam, Tanzania (SMEP)
Tel: 007-22-2-118785-8; Fax: 007-22-2- P.O. Box 64063, Nairobi, Kenya
Kenya Eumenical Church Loan Fund Plan International Kenya
(ECLOF) North Star House, 4th Floor, Lenana Road
Faulu Kenya Limited P.O. Box 61955 Nairobi
P.O. Box 60240, Nairobi, Kenya P.C.E.A Jitegemea Credit Scheme
Tel: 577290 P.O. Box 46515 Nairobi, Kenya
Kenya Women Finance Trust
P. O. Box 55919, GPO00200NairobiKenya, Uganda Women Finance Trust
Tel. 2712823, 2712903 Fax: 2723883 Tel: 006-41-241275; Fax: 006-41-255144
Email: kwft@kwft.org
Khula Enterprise Finance – South Africa Commercial Microfinance Ltd (CMF),
Savings and Credit Cooperatives Uganda
Kirinyaga Farmers District SACCO Meru Farmers SACCO
P. O. Box 559-10300 P. O. Box 1479,
Kerugoya Meru
Kilifi SACCO Society Fundilima SACCO Society
P.O. BOX 712, Kilifi, Kenya P.O. Box 62000Nairobi, Kenya
Tel: 0125-22572/25017; Fax: 25001 Tel: 0151-52311; Fax: 0151-52164
Nest SACCO, Nairobi, Kenya Meru Central Farmers Cooperative Union
Muramati Tea Growers SACCO, Murang’a, Stima SACCO Society Ltd.
Kenya
Microfinance Banks and Institutions Transitioning Into Commercial Banks
Centenary Rural Development Bank Kenya Post Office Savings Bank
(CERUDEB)
P.O. Box 1892, Kampala, Uganda.
Tel: 006-41-255821
National Microfinance Bank Limited (NMB) EquityBuilding Society (Now Equity Bank),
P.O Box 9213, Dar-Es-Salaam, Tanzania Kenya
Tel: 007-22-2-118785-8; Fax: 007-22-2-
Government Institutions / Programmes
Kwale/Taita/Kitui MFI Capacity Building –
DANIDA / GOK MFII Project
Development Programmes/Partners and International NGOs
MicroSave Africa DFID Eastern Africa
P.O. Box 76436, Nairobi, Kenya. Upper Hill Road,
Tel: 724801/6; 726397; Fax: 720133 P.O. Box 30465Nairobi, Kenya
The Kenya BDS / (USAID) Swisscontact East Africa
P.O. Box P.O. Box 1327 – 00606; Nairobi, P.O. Box 47997, Nairobi, Kenya.
Kenya Tel: (254-2) 445284; Fax: (254-2) 445315
FINCA International – Africa Region AFRACA
(Congo, DRC; Malawi; Tanzania; Uganda; P.O. Box 41378 Nairobi
Zambia)
CARE SOMALIA/SOUTH SUDAN Tel:
UNDP,717911/715991;
Kenya Fax: 710082
P.O BOX 43864Nairobi, Kenya
Tel:
FITCA726255/718681;
- Kenya Fax: 718406 Trickle Up Programme
Tel: 338544/227270 P.O. Box 30762Nairobi, Kenya
Plan International Kenya Tel:
K-Rep441810/11; Fax:Agency
Development 441810
North Star House, 4th Floor, Lenana Road P. O. Box 10528-00100, Nairobi, Kenya.
P.O. Box 61955 Nairobi Tel: +254-20-4343493/95
Royal Netherlands Embassy Netherlands Development Organisation –
Uchumi House 6th floor, Aga Khan Walk SNV
Tel: 222190/223897/22 7111-14 (East and Southern Africa Region)
SwedishCooperativeCenter, Eastern Africa Microenterprises Support Programme
Regional Office Trust,
P.O. Box 45767 – 00100, Nairobi, Kenya P.O. Box 187,Sarit Centre 00606Nairobi,
International Network of Alternative Danish Development Agency
Financial Institutions
P.O. Box 25245Nairobi,
Established KenyaBanks
Commercial
Equity Bank, Kenya K-Rep Bank, Kenya
Central Bank of Ghana

Umbrella Organisations
KUSCCO Ltd. Association of Microfiance Institutions of

P.O.Box 28403 Nairobi, Kenya Kenya (AMFI)
Our Contacts

Suite V8, Nine Planets Apartments: Kabarnet Gardens (Off Ngong Road)
P.O. Box 54536-00200, Nairobi, Kenya
Tel: + 254-20-724-253304;
Email: fsm@finelinesml.com ;
Website: http://www.finelinesml.com
10 Company Registration/Certificate of Incorporation

Tax registration Certificate
Tax Compliance Certificate

GIZ, Tullow and KMFB Technical Proposal 6.3.2017

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Fineline Systems and Management Limited

Inclusive Finance and Market Development

Contact Person: Alex Malla

CONSULTANCY TO ASSESS STRENGTH AND CAPACITY GAPS OF 20 SELECTED

Dated: 7th March 2017

RE: TECHNICAL PROPOSAL FOR CONSULTANCY TO ASSESS STRENGTH AND

Goals for Civil and Construction in Turkana County (2019)1

2.2 TURKANA COUNTY PROFILE

 County’s geographic expanse of

 The County lies between Longitudes

 County population stood at 855,399

 According to the Cities and Urban

3 OVERALL APPROACH AND METHODOLOGY

Phase 1: Contracting and Inception

The following tasks will be performed within Phase 1:

Fineline will develop tools/guides and instruments that will

Phase 2: Baseline setting and gap assessment for selected SMES

Task 2-1: Fieldwork/ Primary Data Collection

Phase 3: Identification, sampling and selection of target SMEs

Phase 4: Stakeholders Mapping

Task 4-1-Stakeholders mapping: This will include identifying relevant support

The reports are expected to include

The following deliverables are expected from the consultants

Fineline is a leading microfinance and enterprise development consulting firm

Fineline has extensive experiences in conducting

REF 2 PROJECT TECHNICAL SUPPORT FOR ESTABLISHMENT OF TWO

REF 4 PROJECT TITLE MAPPING OF FINANCIAL SERVICES

REF 5 PROJECT TITLE Institutional analysis to determine cause of declining

REF 7 PROJECT ENHANCING PARTICIPATION OF WOMEN IN SME’S IN

REF 8 PROJECT CAPACITY DEVELOPMENT IN NMB TANZANIA TO FOSTER

Table 1: Implementation Matrix

Activities Output Timeline

Alex Malla – Project Director and Microfinance and Banking Expert

Ezra Anyango –AVCF Expert

Evans Muthemba - Risk Management

In recent assignments, Evans participated in a market survey on credit information sharing

Nahashon Mubichi Mwongera

CV 2 : Ezra Odondi Anyango

Name of Firm : Fineline Systems and Management

Membership of Professional Societies: International Honor Society in Economics (ODE)

As A consultant, I have undertaken a number of Mid-Term Reviews and Supervision

Other Training:IT proficient and attended the following projects:

Full name of staff member:Ezra Odondi Anyango

Name of Firm: Fineline Systems & Management Limited

Period: Oct 2015 – Jan 2016 Country: Kenya

Period: May 2015 – to date Country: Kenya

Period:1998 to date Country: Kenya

Period: 2014 - to date Country: Kenya

Period: May 2014 - July 2014 Country: Kenya

Period: Nov 2014 - Feb 2015 Country: Kenya

Period: Nov/Dec 2014 Country: Kenya

Period: Dec 2014 Country: Kenya

Period: August -Oct 2014 Country: Kenya

Period: Sept – Oct 2007 Country: Kenya

Period: April 2012 Country: Kenya

Period: 2010 Country: Kenya

Period: 2009/2010 Country: Kenya

__________________________________________ Date: _19 th May 2016

__________________________________________ Date: 19th May 2016

Full name of staff member: Evans Mburu Muthemba

Full name of authorized representative: Alex Malla

CV 4:NAHASHON MUBICHI MWONGERA

Mwongera is a Research Associate/Consultant in economic development, with Fineline

He has hands-on experience and competence in: Designing Social-economic and