Curriculum Vitae
Name
Gender
Date of Birth
Nationality
Years of Experience
Contact details
GIRIJA SRINIVASAN
Female
11 May 1961
Indian
22
T2, flat 403, Kapil Malhar,
Baner Main road,
Baner,Pune,
Maharashtra, India -411045
E Mail - girija41@yahoo.com
Phone - 91 20 32311721.
Key Expertise
1
Development Consultant with expertise in the areas of project design formulation,
monitoring and evaluation, institutional assessment, microfinance, rural finance including
micro enterprise finance, micro insurance, community based financial institutions (self
help groups, federations), and gender.
2
Areas of work include technical support to projects, MFIs and banks, project formulation,
monitoring and evaluation, regulation and supervision of MFIs, financial analysis of micro
finance operations, training, specific analytical studies, institutional assessment of NGOs
and MFIs.
3
Technical inputs include poverty targeting, grass root institutions building, designing the
methodology and product development, loan appraisal, MIS, strategic business planning,
portfolio quality analysis, financial analysis, staff training, linkages with financial
institutions etc.
4
Clients include: IFAD, UNOPS, GTZ, KFW, NOVIB, ILO, DFID, SDC (Swiss Agency
for Development Cooperation), Catholic Relief Services, Small Industries Development
Bank of India (SIDBI), NABARD (National Bank for Agriculture and Rural Development)
and leading NGOs in India.
5
Countries of experience include India, Vietnam Bangladesh and Sri Lanka.
6
Board/Advisory Positions
 Member of Task Force on Micro Finance, Government of Maharashtra.
 Board of Trustees, FWWB India, Ahmedabad,
 Board of Trustees, Reach India, Kolkatta.
 Board of Directors, SSK, India
 President, Board of Trustees, Covenant Center for Development, Madurai.
Qualifications
Masters degree in Business Administration [MBA]
Bachelors degree in Commerce [BCom]
Languages
English
Hindi
Tamil
Kannada
Telugu
Malayalam
Fluent
Fluent
Fluent
Fair
Fair
Fair
Computer literacy
Word processing, spreadsheet and presentation software.
Professional Experience
1998-present Freelance Consultant
Current year Assignments 2010
Vietnam
IFAD – Rural Finance Advisor to HAGIANG Decentralised Programme
For Rural Poverty Reduction; (four weeks may- June 2010)
India
DFID – Project design – PSIG (6 weeks between February and April
2010)
Bangladesh
IFAD – Support Mission - Micro Finance and community development
specialist (march 2010)
India
GTZ – retainer under NABARD linkage banking programme.
Viet Nam
Mid term review of IMPP,Rural Finance and gender expert ( 8 weeks)
January to February 2010
Major Assignments Completed (2005 to 2009)
Viet Nam
Appraisal mission –enterprise finance specialist - Microenterprise
development project for Dac Nang province(October 2009)
Bangladesh
IFAD – Support Mission - Micro Finance and community development
specialist (September 2009)
Viet Nam
Formulation mission –enterprise finance specialist - Microenterprise
development project for Dac Nang province (August 2009)
Netherlands
Ecorys – Evaluation of micro finance support of the Dutch co financing
agencies – HIVOS, CordAid, NOVIB and ICCO. (October 2008 to
August 2009 – 8 weeks)
Viet Nam
Supervision of Improving Market Access for the Poor project (Rural
finance expert – May 2009)
Bangladesh
IFAD – Supervision Mission - Micro Finance and community
development specialist (January 2009)
India
VietNam
India
India
India
India
SriLanka
India
Bangladesh
Viet Nam
India
India
India
India
Bangladesh
Viet Nam
India
Bangladesh
Viet Nam
Bangladesh
KFW- Frankfurt school of management – Technical assistance to SEWA
Bank ( December 2008)
IFAD – Rural Finance Advisor to HAGIANG Decentralised Programme
For Rural Poverty Reduction - involves technical assistance to the project
and working with women’s union.(Nov-Dec 2008)
Access development services – co author for two chapters– state of the
sector report on livelihoods.
GTZ – Study on systems of MFIs .( October to November – 4 weeks)
IFAD – Project design - formulation and appraisal - Development Finance
Specialist – Convergence of Agricultural Interventions in Maharashtra’s
distressed districts. Design includes improving access to savings, loans
and insurance products for the rural poor. (June to September 2008 – 10
weeks)
KFW- Frankfurt school of management – Technical assistance to SEWA
Bank.(May, August 2008 – 3 weeks)
GTZ – Impact assessment of multi donor micro finance initiative in
tsunami affected areas. (March 2007 - May 2008 – 8 weeks)
GTZ – Project design Appraisal mission on Rural Finance Institutions
project – Regulation and supervision specialist.(March 2008)
IFAD - Supervision mission for SCBRMP – micro finance and
community institutions specialist (February 2008)
IFAD – Rural Finance Advisor to HAGIANG Decentralised Programme
For Rural Poverty Reduction involves technical assistance to the project
and working with women’s union. (November - December 2007 four
weeks)
KFW- Frankfurt school of management – Technical assistance to SEWA
Bank.(October 2007)
GTZ – Technical study on Regulation and Supervision of MFIs in India
(October 2007).
IFAD – Development Finance and Gender specialist in Formulation
mission for Mitigating Poverty through sustainable livelihoods in Western
Rajasthan; design includes improving access to savings, loans and micro
insurance products for the rural poor. (August – September 2007).
Sri Ratan Tata Trust – Review of Kalanjium Foundation of DHAN (June
2007)
IFAD – Implementation support for microfinance SCBRMP (May 2007)
IFAD- Review and implementation support of rural finance in DPPR
(April 2007)
WFP – Joint review of Jharkhand Chattisgarh Tribal Development Project
– livelihood development expert (February 2007)
IFAD- Mid term review of SCBRMP – community institutions specialist
( January 2007)
IFAD – Rural Finance Advisor to HAGIANG Decentralised Programme
For Rural Poverty Reduction ( November – December, 2006)
UNOPS – Supervision mission of PKSF project (Rural Development and
India
India
India
India
India
India
India
India
India
India
India
India
India
India
VietNam
India
India
India
livelihood Specialist, November2006).
IFAD - Project appraisal mission for Mid Gangetic Plains (UP and Bihar)
Rural Enterprise Development Project – Development Finance Specialist
(September 2006)
GTZ- Development of training module for bankers for cash flow based
loan product (August 2006).
IFAD – Development Finance Specialist on a project formulation
mission for Mid Gangetic Plains-UP and Bihar - Rural Enterprise
Development Project.(June – July2006).
FNV Mondial – Institutional Capacity Assessment of Urban Union and
Kheda Union of SEWA, (May – August, 2006)
Catholic Relief Services - Technical Advisor to a team of donors –
USAID, CRS and CARE for a study on bright and dark side of SHGs
(study ended in December 2005).
WFP/IFAD - Technical assistance to Tribal Development project in
Chattisgarh and Jharkhand.(first phase November 2005)
IFAD - Project Appraisal Mission of Women Empowerment Project in
Maharashtra and Madhya Pradesh – Micro Finance Institutions Specialist.
(August - September 2005).
IFAD - Super vision mission for National Micro Finance Project
implemented by SIDBI (September 28 to October 24 2005).
GTZ – Development of early warning system for bankers in lending to
SHGs (July 2005).
Atkins/DFID – Way forward – micro finance component in Western India
Rainfed farming project implemented by IFFDC (May 1 – 7 2005).
IFAD - project formulation mission - Rural finance expert in for
rehabilitation of Tsunami affected areas (April 2005).
UNOPS Mid term assessment of SIDBI Fund for Micro Credit (February
2005).
Atkins/DFID – Micro Finance in grass root institutions promoted by GVT
under Western India Rainfed farming project ( January 2005).
IFAD Project Formulation of Women Empowerment project in
Maharashtra – Micro Finance Institutions Expert (November – December
– 2004).
UNOPS - Micro Finance Advisor to Vietnam Bank for Agriculture and
Rural Development and Vietnam Bank for Social Policy under the Rural
Income Diversification Project in Tuyen Quang, Vietnam (Input for 6
months in 2004 and 2005).
IFAD - implementation support mission to assist SFMC of SIDBI to
develop MIS and relevant operational procedures for more effective
targeting poorer households and mainstreaming gender concerns into the
project implementation (June 2004).
IFAD - Project proposal and inception note - empowerment of women in
Maharashtra through sustainable livelihoods.
IFAD - Mid Term Evaluation of SIDBI’s performance under IFAD’s
India
India
India
India
India
India
India
India
India
India
India
India
India
Bangladesh
Bangladesh
UK
India
India
micro finance loan project..
IFAD - Rural finance specialist, Sustainable Livelihood project
Meghalaya and Uttaranchal – Project formulation.
ILO, Geneva - Country report on Micro insurance in India including study
of in house programme of MFIs
ILO - Study of Equity gap in small and micro enterprises.
MYRADA - Impact Assessment of Sanghamitra
Catholic Relief Services - Development of evaluation tool for assessing
the SHG programmes of partners. Evaluation of two partners of CRS.
USAID - Five year strategic intervention plan for micro finance by
USAID, India – team member.
DFID: Mid term review of APMAS – a capacity building institution.
SIDBI - Action Research on developing micro-insurance products for the
poor( Team member).
Institutional capacity assessment of Friends of Women’s World Banking
and Annapurna Mahila Mandal, an urban based NGO working with
destitute women.
Resource input for Training Workshops in Micro Finance.
CARE International - Techno economic feasibility study for setting up a
National capacity building resource centre for micro finance.
GTZ: Promoting linkage Insurance – What can we learn from micro
finance experience so far? (Paper).
GTZ - Study of Management information system for SHGs for
sustainable linkage banking
GTZ – Institutional mapping of BDS providers for SMEs.
NOVIB: Reality check of project funding, Mid Term Reviews, end term
evaluation of a number of partners. Backstopper to the NGO MFIs
funded by the organization.
NOVIB: Evaluation of tribal development (microfinance) project of
ASHRAI.
SDC: Technical assistance for NGO for grassroot institutions building.
SDC, Dhaka: Institutional Assessment of and Strategic Planning for
Ashrai, a medium sized NGO, including gender analysis and financial
analysis of operations.(Team Leader).
Durham University Business School: Resource support in international
training courses. Training modules are business planning, monitoring of
MFI operations, financial analysis of micro finance institutions, need
assessment of clientele and impact assessment.
NABARD: Training of middle level executives of NABARD in micro
credit with special emphasis on Self Help Groups. The assignment
included training need assessment, designing training programme,
trainers’ training workshop, conducting the programmes.
DWCD,Government of India: Research and documentation of efforts of
NGOs in mobilising the poorest of the poor Musahars (rat eaters) in
Bihar.
1997 -98
1995-1997
1994-95
1984 - 94
Training manual for barefoot Trainers under Indira Mahila Yojana, a
women empowerment project.
Human Resource Manual for the project staff under World Bank
Sponsored Swa Shakti Project
Assistant General Manager in Micro Credit Innovations Department
NABARD, Head Office. The responsibilities included framing policy and
sorting out operational issues in micro credit, managing training budget
under micro credit.
Faculty member in Bankers Institute of Rural Development. The
institute meets the training needs in the area of rural banking.
Responsibilities as faculty member included training needs analysis,
designing of programmes, conduct of studies, preparation of case studies
and other training material, undertaking research and consultancy studies.

NABARD Team Leader, Study of cost of formation and nurturing
of SHGs. 1996-97.
British Council Division and Department of Women and Child
Development, GOI. Team leader, Design and conduct of training
programme for NGO and govt officials. 1996-97.
Financing of Self Help Groups. To study the impact of linking
large no SHGs on transaction & risk costs of banks. Team Leader.
Swiss Dev. Cooperation
SHGs as Financial Intermediaries. Research relating to SHG
development costs, bank linkage costs and benefits, etc. DFID.
Administrative officer of Bankers Institute of Rural Development.
Development officer and Assistant General Manager in district credit
planning dept. of NABARD, Lucknow regional office monitoring
district development managers, monitoring of NGOs' projects funded by
NABARD. Project appraisal - Appraisal of dairy and poultry schemes.
Major Publications
Books
Community owned Micro finance institutions, co authored with N.Srinivasan, 2009,
Access Development Services, Rabo bank, New Delhi.
Review of Post tsunami Micro Finance in Sri Lanka, 2008, GTZ, Colombo.
Civil Society Initiatives in livelihood promotion, Government initiatives in livelihoods,
Chapters in State of the Sector report on Livelihoods, 2008, edited by Vipin Sharma and
Sankar Datta, Access Development Services, New Delhi
Building a Future – Group by Group: 1998, Case studies of Self Help Groups in India,
Bankers Institute of Rural Development, Lucknow
Training of Self Help Groups- A guide book, 1998, Department of Women and Child
Development , GOI, New Delhi
Research Paper
Transaction Costs of SHG Lending – Impact on branch viability , Research Paper No. 4,
Bankers’ Institute of Rural Development, Lucknow. (alongwith P.Satish).
Articles in refereed Journals
Linking self help groups with banks in India, Small Enterprise Development, Vol.13
No.4, December 2002, London, UK
Networking for Micro credit delivery, Journal of Rural Development, Vol.20 (4). Pp.635
–671 (2001), NIRD, Hyderabad along with P. Satish
Financial to social Capital: Role of Banks- Prajnan,Vol.XXVIII,No.1,1999-2000, NIBM,
Pune
Institutional Options for micro insurance, Economic and Political weekly, forthcoming
issue
Working papers
Empowerment of women under IFAD funded project, Working paper Number 5,
Bankers’ Institute of Rural Development, February 1996, Lucknow
Financing self help groups – Some issues, Working Paper 8, Bankers’ Institute of Rural
Development, April, 1996,Lucknow