Ghana Faculty

Contact the Sustainable Microenterprise and Development Program

(603) 862-0764
Fax: (603) 862-3878

The Carsey Institute at the University of New Hampshire
Huddleston Hall
73 Main Street
Durham, NH 03824

Sustainable Microenterprise and Development Program

Ghana Faculty

Gordon Agezo HeadshotGordon S. Agezo is an experienced Accounting and Financial Management Consultant with progressive experience in financial management & reporting with a focus on the microfinance industry. His specific areas of work include assessment of financial management and control systems of MFIs; analysis of financial statements of MFIs as part of institutional assessment; development of strategic and business plans for MFIs, and implementation of portfolio tracking management information systems (Loan performersoftware). In the area of microfinance institution capacity building, Gordon has delivered and supported training in financial management, credit management, costing, strategy and business planning, portfolio and delinquency management, financial modelling, internal controls and SEEP Frame.

Gordon has also provided BDS support to over 300 MSMEs through the development of training materials and facilitation of training in areas such as Strategic and Business Planning; Financial Management; Bookkeeping; Budgeting; and Business Management among others. He has undertaken a number of consulting assignments for clients such as United Nations Development Programme (UNDP), International Finance Corporation (IFC), Technoserve, Innovations for Poverty Action (IPA), Mariestopes International, GIZ as well as a number of MFIs.

Gordon is a Chartered Accountant and holds an MBA in Finance.

Hugh Allen has worked in development since 1970, focusing for most of the last fifteen years on microfinance and technology-focused market development activities. For thirteen years, he worked for CARE and was its chief technical advisor for small economic activity development in Africa. It was during this time that he first came across the Village Saving and Lending Association (VSLA) model and realized its potential.

These days, he works exclusively to promote its adoption by multi-sectoral development agencies and southern NGOs. He is on the faculty of University of New Hampshire’s Sustainable Microenterprise and Development Program and the Boulder Microfinance Training program. He is also the co-facilitator of the SEEP working group on savings-led financial services. He has published books with ITDG on technology-related activities and savings-led financial services.

Boubacar DialloBoubacar Diallo is a microfinance expert with over twelve years of experience in the microfinance sector. He is currently the director of MISION Africa project, a continent-wide social performance initiative that seeks to cover ten to fifteen countries in five years. He is also the regional technical advisor in microfinance for Catholic Relief Services (CRS) in its West Africa regional office. Prior to joining CRS, Boubacar was the regional director of West Africa for Freedom from Hunger. At this position, he was in charge of the overall management of the West Africa office, building and managing relationships with partners, and provision of technical assistance in group lending, saving-led methodology, internal controls, supervision systems, business planning, and financial analysis in Mali and the West Africa sub-region (Mali, Burkina Faso, Senegal, Benin, and Togo).

In addition to his experience with CRS and Freedom from Hunger, Boubacar worked as a consultant to perform feasibility studies, evaluations, and socio-economic studies for international organizations such as Save the Children, Aga Khan Foundation, Trickle Up, IFC, Care International, Terrafina, and Lux Development. He also worked as a teacher and researcher with the University of Mali (Faculty of Economics and Law) and the Center for Development Policy. He holds a postgraduate degree in economics from the University of Ouagadougou in Burkina Faso, a Master in Economics from Ecole Nationale d'Administration in Mali, and a Master in Microfinance from the State University of Bergamo in Italy. Mr. Diallo speaks fluent French and English. He is a certified provider for MicroSave and has solid knowledge of the microfinance context and challenges in Africa.

Ernest Senyo DzanduErnest Senyo Dzandu is an experienced financial and management consultant who has worked in advisory service for the past fifteen years. Ten of those years have been spent working with regulated and unregulated MFIs to strengthen and/or implement internal controls and audit systems, accounting and financial management systems, management information systems, loan portfolio tracking systems, risk management framework, and business continuity plans. He has developed and delivered a series of trainings in risk management, treasury management, risk-based auditing, portfolio and delinquency management, credit risk management, financial management and analysis, strategic planning, corporate governance, financial literacy, and consumer protection for board, managers, and the staff of MFIs.

Ernest has also managed and handled quality control for projects in the fields of research and evaluation, including evaluation of microfinance projects, microfinance institutional assessment, financial literacy baseline surveys, and the status of consumer protection in Ghana's financial sector and micro insurance market survey. He has a special interest in the regulation and supervision of MFIs and has undertaken studies on the Supervision of Rural and Community Banks and Credit Unions in Ghana, as well as Regulation and Supervision of MFIs in the Semi Formal and Informal Sectors. The Study on the Regulation and Supervision of MFIs in the Semi Formal and Informal Sectors formed the basis of the 4 Tier System introduced by the Bank of Ghana to regulate the operations of microfinance institutions in Ghana.

Ernest has previously worked with PriceWaterhouse and is presently the managing consultant of CDC Consult Limited, an advisory firm in Accra, Ghana. He has consulted for various clients including United Nations Development Programme (UNDP), the World Bank and International Finance Corporation (IFC), GIZ, DANIDA, and USAID. He has worked as a consultant with over thirty regulated and unregulated MFIs. He is a chartered accountant with a Master’s of Business Administration degree in finance and accounting.

Kadry FuranyKadry Furany has been engaged in international development for over eighteen years with over fifteen years of experience in the microfinance field. He is currently the vice president of CARE Canada's International Operations (IO), providing oversight and support for programs to the six countries CARE Canada manages.

He has led the establishment and helped build the capacity of several microfinance institutions in Africa, and he has led the Small Economic Activities Development sector of CARE Canada, which embraces a large array of microfinance and business development services interventions in Africa, Asia, and South America.

Kadry helps strengthen performance by improving the human resources capacity, establishing appropriate systems (MIS, accounting and internal control, monitoring and evaluation, credit policies and procedure, HR and Admin), developing and assisting in the development of business plans, and designing appropriate financial and non-financial products for MFIs.

William (Bill) MaddocksWilliam (Bill) Maddocks is the director of the Sustainable Microenterprise and Development Program (SMDP) at the University of New Hampshire’s Carsey Institute. The SMDP provides training workshops for development finance professionals in Ghana, Togo, Tanzania and New Hampshire. In 2011, Bill was the lead organizer for the Arusha Savings Groups Summit, the first global gathering of the savings groups movement. As a faculty member of the Carsey Institute’s Masters in Community Development Policy and Practice program, he teaches a course on leadership, collaboration, and communication.

For seven years, Bill was the director of the Microenterprise and Development Institute at the School of Community Economic Development at Southern New Hampshire University and operated training workshops in Africa and the United States. He has also worked as the executive director and cofounder of the Community Economic Development Center of Southeastern Massachusetts, the affiliate coordinator for Working Capital peer micro lending program, and the director of development and energy conservation for People Acting in Community Endeavors in New Bedford, Massachusetts. As a trainer and facilitator, his diverse clients include municipalities, community colleges, national and state level microenterprise, and community development finance organizations. Bill holds a master's degree in community economic development from New Hampshire College and a bachelor's degree from Southeastern Massachusetts University.

Kwabena Owusu-Mensah HeadshotKwabena Owusu-Mensah is a Management Information System expert and management consultant who specializes in Information and Communication Technology (ICT) Support Services, Rural Banking, Microfinance Advisory Service, Risk Management and Business Development Services, Human Resource Development, Capacity Building, Training and Workshop Facilitation, Decentralization, Governance and Community Development, Research, Monitoring & Evaluation and has since worked extensively with International Organizations/Institutions, the private sector and some Rural and Community Banks as well as the Metropolitans, Municipals and District Assemblies countrywide. Hehas over ten years experience in working and rendering professional services in these fields.

Kwabena has performed and supervised several ICT projects both in the private and public sectors and has also trained various institutions in ICT related topics. He was the local consultant who worked with the Iris Center of the University of Maryland (USA) for the Evaluation of the IFC Africa Microfinance Program in 2011. He was a m ember of a team which established microfinance units in six rural banks across the country. He has provided professional services in manual development, research and evaluation, microfinance institutional assessment, financial literacy, baseline surveys, impact assessment and competitive strategy for MFIs in the Semi Formal and Informal Sectors, development of monitoring and evaluation database, developmental programs, and training services for Development Partners like, DANIDA, GiZ, The WORLD BANK, UNDP, JICA, EU, International Organizations including, ECOWAS, Non-Governmental Organisations (NGOs) and local Corporate Organisations including GHAMFIN and Kofi Annan International Peace Training Centre. Kwabena is a member of a team which carries out a training workshop on Internal Controls and ICT Risk Management for MFIs organized annually by Ghana Micro Finance Institutions Network (GHAMFIN).

Kwabena has worked previously with Pentax Management Consultancy Services Limited and CDH Insurance Company Limited and is currently the CEO and Managing Consultant of RIMCS Consult. He is a Member of the Board of Directors of MicroFin Rural Bank which makes financial services available to the productive poor and holds Masters in Business Administration (MIS), BSc Computer Science, Statistics and a certificate in Performance Management System from the Ghana Institute of Human Resources Management Practitioners.

Richard PelrineRichard Pelrine holds degrees from the University of Massachusetts in anthropology and agricultural economics and from the Institute of Social Studies in rural policy and project planning. He completed doctoral coursework at the Ohio State University in rural finance and is currently a doctoral candidate at the University of Stellenbosch with the faculty of agricultural economics. He has consulted for over twenty years in Africa and has both taught and published in the fields of rural finance and rural development. Richard has worked as a senior technical advisor on multiple long-term agribusiness finance programs in Ethiopia, Kenya, Rwanda, Tanzania, and Uganda and has consulted directly with financial institutions on value chain financing and agribusiness finance product development in Ethiopia, Ghana, Kenya, Malawi, Namibia, Rwanda, South Africa, Tanzania, and Uganda. Beyond consulting, Richard has been a commercial farmer, a coffee and grain trader, and the CEO of an agribusiness loan guarantee company. He is an owner and director of INSPIRED International, a firm specializing in agribusiness finance, since founding the firm in 2007.

Aba Amissah QuainooAba Amissah Quainoo is a development economist and sociologist who specializes in rural development, private sector development, financial management, entrepreneurship development, gender and development issues, microfinance delivery mechanisms, and microfinance institutional development. She has over twelve years' experience in working and rendering professional services in that field. For five years, she designed and managed an innovative savings and credit facility targeted primarily at women as part of the Women’s World Banking network in Ghana. She has also designed a micro leasing scheme targeted at micro and small-scale enterprises for LEASAFRIC Ghana Limited, the largest leasing company in Ghana.

She was the lead consultant for the design of a national strategic framework for the microfinance sector in Ghana, and she was the lead consultant for the design of a microfinance fund to be accessed by Microfinance Institutions in Ghana (MFIs). The fund has a technical assistance window for the MFIs. She has provided professional services in economic policy review, research, monitoring, evaluation of developmental programs, and training services for a variety of clients, including the World Bank, the European Union (EU), the Canadian International Development Agency (CIDA), the Danish International Development Agency (DANIDA), the United Nations Development Programme (UNDP), and the United Nations Industrial Development Organization (UNIDO).

William SteelWilliam Steel retired in 2005 as senior adviser in the Africa Region Private Sector Group of the World Bank, where he worked since 1983, specializing in small enterprise development and microfinance. He is currently based in Accra, Ghana, teaching economics of microfinance at the University of Ghana and consulting for the World Bank, GTZ, and others. He coauthored the World Bank’s “Framework for the Development of Micro, Small Enterprise and Rural Finance in Sub-Saharan Africa” and “Rural Financial Services: Implementing the Bank’s Strategy to Reach the Rural Poor,” as well as studies of microfinance regulation in four African countries. He is part of World Bank/IFAD teams working on rural financial services projects in Ghana and Uganda.

As co-chair of the Committee of Donor Agencies for Small Enterprise Development (1991–2004), he led the development of Guiding Principles for donor support both for microfinance (1995) and for business development services (2001). He is one of the founders and a member of the steering committee of the international network on Women in Informal Employment: Globalizing and Organizing (WIEGO). He has published numerous studies, articles, and books on small enterprise development, informal financial markets, microfinance regulation, employment of women, and industrial adjustment. He previously taught economics at Vanderbilt University and the University of Ghana, and he has served as an advisor in the African Development Bank and the Indonesia National Planning Agency.

clara fosu quaye headshotClara Fosu Quaye - A committed Microfinance Professional with keen interest in formulation of Poverty Reduction policies for developing countries with 9 years working experience in the microfinance industry. Clara Fosu Quaye worked with the Ghana Microfinance Institutions network (GHAMFIN) – with a membership of formal MFIs and informal MFIs for 6 years and is presently working as a Microfinance Consultant.

As a Microfinance Specialist in the capacity of Business Development Manager at GHAMFIN; The services she provided to members included institutional assessment and training in microfinance operations, ensuring effective monitoring and evaluation of GHAMFIN project interventions and liaising with development partners and the Government of Ghana unbehalf of GHAMFIN.

She was responsible for the establishment of a performance monitoring and benchmarking program for GHAMFIN members and have demonstrable practical experience in organizing capacity building programs. Clara actively participated in several projects including the Rural Financial services project, the Social Investment Fund and the UNDP micro and small medium enterprise project. She is currently an accredited trainer for the RAFIP project and a consultant to the Gender Responsive Skills & Community Development Project(GRSCDP) under the auspices of the Ministry of Women and Children now Ministry of Gender, Children and Social Protection.

Clara served as a board member for ECLOF Ghana (now CCML) for 6 years. She is currently serving as a consultant to the Board of CCML on their Social Performance Programme , a board member of ASA Ghana and SG Ghana a software developers company for microfinance organisations.

At the Southern New Hampshire University(SNHU), She co-facilitated the CED course at both the MDI training in Ghana ,New Hampshire in 2008 and also facilitated their online course for Microfinance Practitioners. She has served as an editorial advisor and a consultant to the SMDP – University of New Hampshire from 2009 to date.

Clara Fosu Quaye holds an MSc in International Community Economic Development from Southern New Hampshire University U.S.A.

Akosua Aboagyewaa Darkwa Akosua Aboagyewaa Darkwa is a management consultant who has worked in advisory service for over five (5) years after working in client service management for almost eight (8) years. She has developed and facilitated training in risk management, portfolio management, internal control, corporate finance, basics of microfinance, financial literacy, product marketing, client service and consumer protection for board, managers and staff of MFIs. Akosua as managed and coordinated projects in the fields of research and institutional assessments including microfinance institutional assessment, financial literacy baseline surveys and the status of consumer protection in Ghana’s financial sector. Akosua has fourteen years post degree working experience and previously worked for Promasidor Ghana Ltd. (Cowbell) and Scancom Ghana Ltd. (MTN) and is currently the Head of CDC Consult's Training Service Line. She has a Master of Business Administration in Project Management and a first degree in Economics and Sociology.

Ishmael Kwesi Otchere has strong credentials in rural banking and microfinancing. Ishmael started his banking career as a messenger and rose through the ranks to CEO of one of the leading rural banks Ghana. For over 25 years, he worked with banks focusing on poverty reduction particularly in the rural areas. Ishmael was head of management team which successfully turned a rural bank from a distressed position to one of the leading rural banks in the country, by applying microfinance methodologies as well as sound governance and risk management.

Ishmael is the Founding Father of Microfin Plus Ghana, an FNGO which within a period of four (4) years was successfully transformed to a rural bank- Microfin Rural Bank Limited, which is the first of its kind in Ghana.

Ishmael is a microfinance practitioner and has provided capacity building and corporate restructuring for over 40 RCBs and MFIs in Ghana and the West African Sub-Region. He has also facilitated in many international training programs in microfinance and risk management.