PROJECT EXPERIENCE WORLDWIDE

AccessBank Tanzania: Introduction of Agency Banking and Mobile Banking; Digital Transformation

Under the management and technical assistance of LFS, AccessBank Tanzania (ABT) has embarked on an ambitious digitization journey since 2012 when the bank won a large grant from the MasterCard Foundation.

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Downscaling: Northern Caucasus MSME Development Finance Project

EBRD’s North Caucasus Development Initiative was an institution building project implementing lending to micro, small and medium enterprises (MSME’s) in the North Caucasus Federal District of Russia (NCFD).

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Promoting SME Finance – A Technical Workshop for Iraqi Banks

The workshop aims to provide to Iraqi Banks and SME / Business Development Centres (BDS) insight into the technical features and the overall success factors of commercial SME finance; narrow the SME finance demand-supply side gap and give interested Iraqi banks on an individual basis a first orientation on how to implement an SME finance strategy.
 

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Feasibility Study for Creating a Platform for Very Small Enterprise (VSE) Finance

For SANAD Fund for MSME (SANAD) the LFS conducted a market analysis, assessing both the demand and supply side of Very Small Enterprise (VSE) financing in Morocco.

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Strategic Review & Transformation Assessment and Strategic Business Planning for: FONDEP

The aim of this Project overall is to prepare FONDEP for its eventual transformation into a regulated, for-profit institution.

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Consulting Services for the Promotion of the MSME related finance Sector in Yemen

The objective of the 4 year Project financed by the German Kreditanstalt für Wiederaufbau (KfW) Development Bank is the promotion of the MSME related finance sector in Yemen and the support of the Yemenite Small & Micro Enterprise Development (SMED) Unit under the Social Fund for Development in this regard.

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1997 - 2007

Upgrading: Transformation of a Microfinance Project into a Microfinance Bank

From 1997 to 2007, LFS managed the transformation of a microfinance project in Mozambique into a non-bank financial institution.

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1998 - 2001

Housing Construction Loan Programme (HCLP) and Small and Medium Enterprise Fund (SMEF)

To support the reconstruction of Bosnia’s economy, in 1998 KfW, the European Union and other donors launched the Housing and Construction Loan Programme (HCLP) and the Small and Medium Enterprise Fund (SMEF).

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2001 - 2006

Downscaling: Japan-Uzbekistan Small Business Programme (J-USBP)

LFS assisted three commercial banks in building up micro lending departments in a limited number of regions, whereas the Partner Banks provided the necessary refinancing.

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2001 - 2003

Financial Sector Study

LFS was commissioned by KfW to conduct a study on the financial sector of Vietnam. The study included the development of project options and a financial sector strategy for KfW.

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2001

Project Progress Evaluation of the TA “Project Promotion of Micro and Small Enterprises”

In January 2001 GTZ contracted LFS for carrying out the project progress evaluation of the TA project “Promotion of Micro and Small Enterprises (MSEs)”, component “Financial Services for Micro and Small Enterprises (MSEs)”.

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2001

Prefeasibility Study on the Argentine Microfinance Sector

LFS carried out a study on the Argentinean microfinance sector. The objective of was to assess the feasibility of the establishment of a commercially oriented microfinance institution in Argentina.

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2002 - 2005

Downscaling, Strategic Implementation of the European Fund for Serbia (EFS)

To support the reconstruction of Serbia’s economy, in 2002 KfW, the German Ministry of Development Co-operation and other donors launched the European Fund for Serbia (EFS).

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2002 - 2003

Review of the Micro and SME Finance Sector of the Philippines

LFS was commissioned by KfW to carry out a review of the micro and SME finance sector of the Philippines.

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2002

Establishment and Management of AccessBank Azerbaijan (ABA)

AccessBank Azerbaijan (ABA) was founded in late 2002 as the Micro Finance Bank of Azerbaijan.

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2002

Downscaling: Advisory Services in the course of a SME credit line to three commercial banks

LFS was commissioned by KfW to support three Kazakh banks in their MSME finance activities.

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2002

Advisory Services for the Establishment of a Microfinance Competence Centre

LFS was commissioned by GTZ to advise the Uganda Institute of Bankers (UIB) in setting up a Microfinance Competence Centre (MCC).

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2003 - 2008

Micro and Small Enterprise Facility (TMSEF)

LFS’ services comprised credit advisory and institution-building services, learning and development, strengthening of the bank’s internal audit and control functions, and developing and implementing a MIS for handling and managing respective loan portfolios and assistance in their processing.

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2003 - 2008

AccessBank Tajikistan

LFS managed the MSE downscaling project Tajikistan Micro and Small Enterprise Facility (TMSEF) and gained extensive country and market experience in Tajikistan.

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2003

Feasibility Study for a Credit Guarantee Fund for the Promotion of Small and Micro Enterprises

In April 2003 KfW commissioned LFS to carry out a feasibility study for a credit guarantee fund for microfinance institutions (MFIs) and MFI refinancing institutions in Ghana.

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2003

Financial Sector Study

KfW commissioned LFS and three independent experts to prepare a strategy for the Senegalese-German Development Cooperation.

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2005 - 2006

Feasibility Study for SME finance projects

LFS, on behalf of KfW, carried out two feasiblitity studies on the Indonesian SME finance sector.

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2005 - 2006

Upgrading: Capacity and Institution Building of Non-Bank Financial Institution

KfW Development Bank commissioned LFS to implement a microfinance training and institution building project at the non-bank financial institution in Mongolia, in connection with a credit line.

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2005 - 2006

Feasibility Study for the Development of Commercial SME Finance in Nepal

The Nepali government and the Asian Development Bank approached LFS to assess the SME situation in the country.

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2005

Feasibility Study for an MSME Financial Sector Promotion Project

LFS was commissioned by KfW to prepare a feasibility study for an MSME Financial Sector Promotion Project to be implemented with various Honduran MFI’s.

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2006

Establishment and Management of AccèsBanque Madagascar

LFS finalised the feasibility study and the five-year business plan for a greenfield microfinance bank in Madagascar, AccèsBanque Madagascar (ABM).

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2007 - 2010

Upgrading: Institutional Transformation of two Rural Microcredit Organizations

LFS Financial Systems was contracted by the European Fund for Southeast Europe (EFSE) in order to provide technical support to two rural Romanian Microcredit Organizations (MCOs).

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2007 - 2009

MSE Lending Support to Moldova Agroindbank

EFSE provided Moldova Agroindbank (MAIB) with a TA package in order to develop an adequate MSE lending approach for entering micro and small business lending.

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2007 - 2009

Downscaling: Development and Implementation of SME Finance in a commercial bank

LFS was commissioned by the IFC to assist a partner bank in Malawi to develop and extend financial services to Small and Medium Enterprises.

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2007 - 2008

Downscaling Housing Finance Project

In 2007, LFS was commissioned by EBRD to support a partner bank in Armenia in mortgage lending.

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2007

Establishment and Management of AccessBank Liberia (ABL)

AccessBank Liberia (ABL) was established by LFS together with its strategic investor AccessHolding.

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2007

Feasibility Study for the Establishment of a Microfinance Institution

LFS carried out a feasibility study for a greenfield microfinance institution (MFI) in Senegal.

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2007

Feasibility Study for the Establishment of a Microfinance Institution

The South African subsidiary of Commerzbank AG (one of Germany’s largest commercial banks) commissioned LFS Financial Systems to assess the feasibility of establishing a new specialised microfinance institution (MFI) in South Africa.

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2007

Establishment and Management of AccessBank Tanzania (ABT)

AccessBank Tanzania (ABT) was established in 2007. Its shareholders are AccessHolding, African Development Bank (AfDB), Belgian Investment Company for Developing Countries (BIO), the International Finance Corporation (IFC) and the German Development Bank (KfW).

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2007

Feasibility Study for the Establishment of a MSE Finance Subsidiary in a Commercial Bank

To serve the MSE sector in Trinidad and Tobago’s fast-growing economy, the client bank considered establishing an MSE finance subsidiary.

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2008 - 2010

Upgrading: Transformation of an NGO into a Regulated Financial Entity

LFS supported one of the largest NGOs in the Colombian microfinance sector in its intention to transform itself into a regulated financial entity.

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2008 - 2010

Downscaling: SME Lending Support to a Commercial Bank

LFS provided SME lending support to a commercial bank in Saint Lucia. When the assignment started, the Bank had no well defined SME finance business line. Instead, it carried out SME lending through its retail and corporate departments.

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2008

Feasibility Study for a Microfinance Intervention

IFC and BIO commissioned LFS to conduct a feasibility study for a microfinance intervention in Burundi.

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2008

Establishment and Management of AB Microfinance Bank Nigeria (ABN)

AB Microfinancebank Nigeria was established by LFS in 2008, after having conducted a feasibility study and having brought together a number of co-investors and technical assistance financiers.

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2008

Feasibility Study for a Microfinance Intervention

In late 2008, IFC and BIO commissioned LFS to conduct a feasibility study for microfinance interventions in Rwanda.

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2008

Feasibility Study for the Creation of a Microfinance Institution in North East Brazil

LFS carried out a feasibility study for a Greenfield Microfinance Insitutions (MFI) in North-East Brazil.

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2008

Credit for Home Improvements for the Low-Income Sector in Peru

IFC commissioned LFS to assist two regional MFIs in Peru in the implementation of a home improvement loan product for the low-income population.

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2009 - 2011

Advisory Services for Bank Sahabat Purba Danarta

LFS was commissioned by the IFC to support a Microfinance Bank in Indonesia in its objective of becoming an efficient, large-scale MSME bank.

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2009 - 2010

Downscaling: Establishment of MSME Finance in Partner Bank

Our partner bank is a medium sized bank headquartered in Andijan, and, under this programme, the bank received intensive technical assistance from LFS.

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2009

Feasibility Study for a Rural Finance Programme

LFS was commissioned by KfW to carry out a feasibility study for a Rural Finance Program in Kyrgyzstan.

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2010 - 2012

Upgrading: Jamaica National Small Business Loans Limited: Institutional Strengthening

JNSBLL is the largest microfinance provider in Jamaica with a share of more than 50percent in the domestic microfinance market.

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2010

Feasibility Study for Upgrading: Feasibility Study for the Introduction of Deposit Taking

LFS was commissioned by the European Fund for Southeast Europe (EFSE) to conduct a Feasibility Study for the transformation of a rural microfinance institution (MFI) into a deposit-taking institution.

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2010

AccèsBanque Madagascar: Development and Implementation of Agricultural and Rural Lending

AccèsBanque is the first MFI with banking license in Madagascar. Its shareholders are AccessHolding, IFC, KfW, the Triodos-Doen Foundation and BFV-Société Générale. AccèsBanque first developed its activities in urban and semi-urban areas (Antananarivo and Antsirabe) and is now expanding its branch network into the rural areas of Madagascar.

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2010

Feasibility Study for Upgrading: Feasibility Study for the Institutional Transformation Process of a Microfinance NGO

One of the largest microfinance providers in Guatemala is considering converting from an NGO into a regulated or unregulated financial entity, with the possibility of obtaining a banking license in the medium term.

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2010

Feasibility Study for Microfinance Intervention

LFS was commissioned by IFC to prepare a feasibility study for microfinance interventions in Papua New Guinea, Timor-Lest, the Solomon Islands, Fiji and Vanuatu.

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2010

Feasibility Study for Microfinance Intervention

LFS was commissioned by IFC to prepare a feasibility study for microfinance interventions in Papua New Guinea, Timor-Lest, the Solomon Islands, Fiji and Vanuatu.

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2010

Feasibility Study for Microfinance Intervention

LFS was commissioned by IFC to prepare a feasibility study for microfinance interventions in Papua New Guinea, Timor-Lest, the Solomon Islands, Fiji and Vanuatu.

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2010

Feasibility Study for Microfinance Intervention

LFS was commissioned by IFC to prepare a feasibility study for microfinance interventions in Papua New Guinea, Timor-Lest, the Solomon Islands, Fiji and Vanuatu.

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2011 - 2014

Downscaling: KfW Micro, SME and Mortgage Financing Programme

The Programme was composed of a EUR 12.3 million credit line for MSME financing, a EUR 5 million credit line for mortgage financing, and technical assistance.

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2011 - 2012

Consulting Services in Order to Analyze and Explore the Energy Efficiency (EE) Potentials of Existing Publicly Owned, Privately Owned and for Office Buildings, Including Industrial and Commercial Buildings of SME Facilities in the Russian Federation

KfW commissioned LFS (Consortium Leader) and FICHTNER (Consortium Partner) to carry out a study to analyse the EE potentials of industrial, commercial and residential buildings in Russia, to analyse the existing EE lending programs, and to develop proposals for new financing mechanisms for EE investments in the building sector that are economically feasible and efficient in terms of energy savings and reduction of CO2 emissions.

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2011 - 2012

Support to Asian Pacific Bank in SME Lending and Risk Management

LFS was contracted by Asian Pacific Bank (APB) to assist the institution in strengthening its capacity to assess and monitor the risk related to lending to SMEs in line with best international practice and taking into account the Russian environment.

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2011 - 2012

MENA Initiative (Feasibility Study for Microfinance Interventions in Egypt, Jordan, Morocco and Tunisia)

In view of recent changes in the political environment of the MENA region LFS prepared feasibility studies for microfinance interventions in Egypt, Jordan, Morocco and Tunisia.

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2011 - 2012

AccèsBanque Madagascar: Mobile/Branchless Banking Feasibility

With 80 percent of the Malagasy population living in non-urban/remote areas of the island and existing bad infrastructure conditions in Madagascar the existing branch network is not enough to provide for convenient banking both for the existing and potential client base. Therefore the access to financial services for the majority of the Malagasy population still remains a challenge.

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2011

Assistance to Restructuring of State-owned Development Bank

LFS carried out an institutional capacity assessment of the partner bank, assessed the MSME lending operations of the bank and undertook research on the demand and supply of financial services in Sudan.

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2011

Option and Design Study for an SME Finance Project

LFS was commissioned by KfW to carry out an Option & Design Study for an SME finance project to be implemented in the framework of Syrian-German Financial Co-operation.

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2011

Establishment and Management of AB Microfinance Bank Zambia

AB Bank Zambia (ABZ) opened its doors in October 2011 and is the seventh member of the AccessBank network. It was founded by AccessHolding in collaboration with four of its longstanding partners: KfW Development Bank, the International Finance Corporation, the Dutch development finance institution FMO, and the Belgium-based Impulse Microfinance Fund.

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2012

SME Lending Diagnostic of Ashur International Bank

LFS was assigned to carry out this evaluation in two of AIB’s branches, namely Erbil and Sulaymanyah.

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2013 - 2014

FUNDESER Microfinance Credit Risk Management and Process Improvement

LFS was contracted by IFC to assist FUNDESER, the second largest MFI in Nicaragua, to improve its credit risk management systems and processes.

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2013 - 2014

Feasibility Study for a Greenfield MSME Bank to support Financial Inclusion

The project focused on exploring whether market conditions were conducive to setting up an MSME greenfield bank.

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2013

AB Bank Rwanda

LFS is pleased to announce the creation of its eighth network bank, AB Bank Rwanda (ABR).

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2013

Pre-Feasibility Study for founding a Microfinance Institution in Myanmar

The purpose of the project was to prepare the ground for a detailed feasibility study for founding a commercial MSE finance institution in Myanmar.

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2014 - 2015

Feasibility Assessment and Business Plan Preparation for Micro and Very Small Enterprise (MVSE) Financing

SANAD Fund for MSME commissioned LFS to implement a feasibility study and develop a business plan for a financial institution in Egypt.

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2014 - 2015

Strengthening Institutional Capacities for SME Lending of an MFI in Jordan

EBRD commissioned LFS to support one of the leading MFIs in Jordan and the MENA region.

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2014 - 2015

Institutional Strengthening of an MFI in Zimbabwe

FMO asked LFS to support them in the overall institutional strengthening of a microfinance institution in Zimbabwe.

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2014

MSME Access to Finance and Diagnostic Study

Draw up of a comprehensive diagnostic study of the MSME access to finance in Kazakhstan and review the MSME lending practices in the EBRD partner banks and MFIs under the new Framework Facility.

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2014

Showcasing successful SME lending - SME Sector Workshop for Jordanian Banks

LFS participated in hosting a workshop for Jordanian commercial banks on the subject of SME lending.

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2014

Green Finance: Financing models for solar energy in Tunisia

Mission to analyse the status quo of solar energy financing for residential, commercial and industrial clients in Tunisia and to offer potential solutions.

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2015 - 2017

Strengthening Rural Finance through PFIs

LFS was contracted by KfW to strengthen selected partner financial institutions’ abilities to evaluate credit risk in the rural sector, and to apply methods of risk mitigation specifically adapted to rural MSME lending in Peru.

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2015

Sector Study on Financing Instruments for the Rural Sector in Cameroon

LFS was commissioned by KfW to conduct a sector wide analysis in Cameroon, with the objective of analysing the rural financial sector and creating detailed recommendations on potential financial sector interventions.

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2015

Diagnostic and development of the strategic business plan of an MFI

IFC approached LFS to assist an MFI in Myanmar to evaluate the microfinance business plan of the institution.

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2016 - 2018

Greenfielding: Comprehensive Capacity Building of an FI in Egypt

SANAD has commissioned LFS to support a company in its greenfielding MSME finance activities by providing management support during the launch and the expansion of the company.

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2016 - 2017

Strengthening of institutional capacity for MSME Lending in Kyrgyzstan

LFS undertook a comprehensive gap analysis of the MSME lending practices in a leading bank in Kyrgyzstan in order to assess the current deficiencies.

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2016 - 2017

Establishing a Risk Management Department for an MFI in Jordan

USAID LENS is actively supporting the microfinance sector in Jordan to build its capacities, enhance its competitiveness, and increase the sector’s financial inclusion of different client segments to enhance their living standards through involvement in producing economic activities.

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2016 - 2017

Strengthen Credit Business and Credit Risk Management in Agriculture and MSE Finance

LFS has been hired by a financial institution to develop its credit risk management and agent model for agriculture finance and MSE finance.

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2016

Market Study for a Development Bank in The Gambia

The objective of the market study was to assess the existing microfinance sector in Gambia and suggest a suitable intervention model for a Development Bank, also in regard to Islamic Finance.

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2016

Knowledge Management Tool for a regional development bank

Together with Threshold Software Solutions, LFS developed and implemented a knowledge management tool, which is fully customized to the needs of the customer, reflecting all the banks’ SME lending workflows, assessment details, decision-making processes and monitoring processes.

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2016

Deposit Mobilization Strategy Development for an FI in Kenya

KfW contracted LFS to develop a deposit mobilization strategy for a leading MFI in Kenya and to design deposit products using alternative delivery channels.

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2016

Feasibility Study and Business Plan for a Greenfield SME Bank in Brunei Darussalam

Government of Brunei invited LFS to conduct a feasibility study for a SME bank ib Brunei Darussalam.

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2016

Market Study Afghanistan for IDB’s Islamic Microfinance Development Program (MDP)

LFS has been awarded by the Islamic Development Bank to implement the following project: Document Feasibility Study on the Islamic Development Bank Microfinance Development Program for Afghanistan.

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2016

Institutional Strengthening of an MFI in Myanmar

Based on the results from a previous project in 2015, IFC commissioned LFS to further support the development of an MFI in Myanmar by ‘Strengthening Head Office functions and developing credit policies plus a framework for future design of credit products’.

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2017

Green Finance Project: Improvement of portfolio quality of a solar company

Financed by a TA facility of the responsAbility Energy Access Fund, managed by responsAbility, LFS is providing technical assistance to one of the largest off-grid solar companies in Ghana.

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