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Board of Directors

Prof Malcolm Harper
Chairman of M-CRIL, Emeritus Professor, Cranfield School of Management, UK
Professor Malcolm Harper is a veteran in the field of microenterprises and microfinance, financial inclusion, and livelihoods promotion. His core areas of expertise include: microenterprise promotion, assessment of microfinance programmes, designing and developing microfinance and microenterprise promotion programmes and financial analysis. Prof Harper has advised on and evaluated a large number of such microenterprise programmes and microfinance institutions worldwide. He has substantial experience of leading multidisciplinary design teams in large and complex microfinance and financial inclusion programmes in the poorest regions of the world. He has worked with most international donors and governments and has experience of facilitating donors and private sector to work on enterprise and microfinance issues. Prof Harper’s research and consultancy work has been supported by a wide range of national, international and non-government development agencies.
 
Mr YC Nanda
former Chairman, NABARD & Chairman, National Commission on Farmers
Y C Nanda is an alumnus of Delhi School of Economics. After an initial career with the State Bank of India and the Reserve Bank of India, Mr Nanda joined NABARD (India’s National Bank for Agriculture and Rural Development) when it was being formed in 1983. He was appointed Managing Director of NABARD in 1998 and went on to become the Chairman in 2000. After retirement, acknowledging his expertise, Mr Nanda was appointed a full-time member of the National Commission of Farmers by the Government of India. Mr Nanda has worked as a consultant to a number of international organizations like IFAD, UNOPS, GTZ and FAO. He has served on a number of Government and RBI led Committees as Chairman/member. He was also the Chairman of the Working Group on Agriculture Credit and Cooperatives for the 11th Five Year Plan. Currently, he is Chairman of the Agriculture Finance Corporation. He has also been involved with a number of microfinance institutions, rural development agencies, management institutes as Director/Trustee.
 
Mr Brij Mohan
former Executive Director, SIDBI & founder of SIDBI Foundation for Micro Credit.
Brij Mohan started his career in the Indian Statistical Service and the Department of Company Affairs of the Government of India before joining the Industrial Development Bank of India (IDBI) in 1986 and opting to join the Small Industries Development Bank of India (SIDBI) on its formation in 1990. As a senior member of SIDBI’s management, he played a pivotal role in SIDBI’s extensive engagement with the microfinance sector in India. Mr Brij Mohan is now Chairman of Access Development Services and has served a number of institutions in the microfinance and small enterprise development sectors in an advisory capacity.
 
Dr R Bhaskaran
Chief Executive Officer, Indian Institute of Banking and Finance
R Bhaskaran joined the banking industry as an officer in the Bank of India in 1975.  Later, he moved to the RBI and then to NABARD where he held many positions before rising to the level of Chief General Manager. During this period he has also worked as Joint Director and director-in-charge of the Bankers Institute of Rural Development, an apex training institute in rural development.  He is currently the chief executive of the Indian Institute of Banking and Finance.  Dr Bhaskaran has provided consultancy to banking institutions in India and abroad and is considered an authority in funds management. Dr Bhaskaran also serves on the board of other institutions like Dhan foundation. 
 
Mr N Srinivasan
Director, M-Cril
N. Srinivasan started his career with the Reserve Bank of India and later opted for NABARD ( National Bank for Agriculture and Rural Development) in 1983. During his 30 years of professional work with RBI/NABARD, Mr Srinivasan was involved in many significant initiatives in rural finance; institution development and strengthening, product development, training and capacity building, design, implementation and supervision of rural development projects. He has been associated with many policy framing groups/task force set up by GOI/RBI/NABARD, such as Expert group on farmers’ indebtedness, Expert group on Reform of cooperative banking, Planning commission task force for estimation of agricultural credit flow and Technical group on revamp of supervision over rural financial institutions. Currently a freelance consultant, over the last three years he has provided services to World Bank, CGAP, IFAD, ADB,UNDP, UNOPS, GTZ, AFI, Sir Ratan Tata Trust and Government of India. For last two years [2008&2009], he has authored the State of the Sector Report on Microfinance in India.
 
Ms Frances Sinha
Managing Director, EDA Rural Systems Private Limited
Frances Sinha is a graduate of Oxford University and the London School of Economics. Since graduation she has lived and worked in India for the past 25 years, leading the research team of EDA Rural Systems Pvt Ltd (of which she is co-founder Director) and contributing to the development of M-CRIL, an associate company of EDA. Frances has led teams for impact assessment and market research with a focus on cost-effectiveness, gender issues, poverty analysis and practical reporting – throughout India and in a number of countries of Asia and Africa.

In her current work she is closely involved with initiatives around social performance in microfinance. With the M-CRIL team, Frances has pioneered the development of a social rating methodology – to complement credit rating.

A member of the International Social Performance Task Force, in which she chaired the sub-committee on social rating, Frances has contributed to the consensus on a framework for social rating and reporting (SEEP network publication, 2006), and has helped to coordinate the global pilot on social reporting indicators by MFIs, due to be part of microfinance reporting to the MIX from 2009.
 
Mr Sanjay Sinha
Managing Director, M-CRIL
Sanjay Sinha is the Managing Director of Micro-Credit Ratings International Limited (M-CRIL) – a company established to carry out professional assessments (ratings) of microfinance institutions (MFIs) and provide research and other services designed to promote the flow of investments into microfinance.
 
Dr Alok Misra
CEO, M-CRIL
Alok holds a doctorate in Development Studies from Victoria University, New Zealand and a Master in Development Management degree from the Asian Institute of Management, Manila, where he was an ADB scholar. He has 22 years of rich professional experience in rural development, rural finance/microfinance and research at both policy and implementation level. Prior to M-CRIL, his professional work with India’s apex agricultural development bank (NABARD) spanned poverty alleviation, microfinance and agricultural finance. Alok was part of multi institutional task force responsible for setting up India’s first online commodities excahnge. Alok has gained wide ranging experience by working with institutions in both developed and developing countries such as Cambodia, Georgia, India, Indonesia, Kyrgyzstan, Morocco, Nepal, New Zealand, Philippines, Timor Leste and Vietnam. 


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