MOHAMMAD RASHED AL HASAN
Sheltech Hasan Garden, Apt # 3B, House# 16, Road# 9,
Block-C, Section-6, Mirpur, Dhaka-1216, Bangladesh
Phone: 880-1819295289, 880-1819407321
Summary Microfinance, Microinsurance, Remittances, Enterprise Development, Rural
Development, Climate change and post disaster livelihood and Socioeconomic
Development specialists with 9 years experience
Project Management capacity and successfully managing three projects as Project Manager
funded by OxfamNovib, DFID, EC-UN Joint Migration and Development Initiatives
Grants Management capacity and managed grants of different donors, and also NGOs/MFIs
funding need assessment analysis and funding decision making capacity
Experience on inclusive finance, inclusive development, climate change and livelihood project
proposal writing and project design
Contributed to the Microfinance, Microinsurance, Migration and Remittances, SME, and
Financial sector of Bangladesh as well as Globally
Citigroup-Asian Institute of Management (AIM) Certified Microfinance Professional
Trainer since May 2007
Designated Technical Assistance Provider of Microinsurance Innovative Facility of ILO
(since October, 2008).
Listed consultant of Frankfurt School of Finance and Management, Germany since July
Provided necessary inputs and comments to International Association of Insurance
Supervisors (IAIS) and CGAP Working Group on Microinsurance
Provided comments on session paper for Global Forum on Migration and Development
(GFMD), Civil Society Day, 9 July 2007, Brussels, Belgium
Successfully completed consultancy assignment of IFC & KfW, and Actionaid Bangladesh
Currently working as a Team Coordinator of consultancy for Microcredit Regulatory
Global experience on Microfinance, Rural Finance, Agriculture Finance,
Microenterprise, Microinsurance, Migration, Remittances and Development
Multicultural experience through participation in different international forums and trainings
Strategic planning capacity with visionary, analytical, problem-solving, decision making, and
Development Research experience and successfully completed various research
Skills and Competencies:
Institutional Micro-Finance Institution, Networking organisation, Apex Financing Organisation and Private
Development Sector Development
Microfinance Rating, Project Rating and Short Term MFI/NGO Assessment
Social Impact Assessment of Microfinance and Socio-economic Development Programme
Business Planning and budgeting for Microfinance, Microinsurance, Climate change
adaptation programme and SME Programme Strategic and Perspective Planning
Institutional Capacity Assessment
Efficient Microfinance Operations, portfolio management and delinquency management
Strengthening Governance and Human Resource Skills for MFIs
Programme and Organisational Evaluation
Funding demand assessment for MFI, project and small and medium enterprises
Programme Project Proposal Development, Knowledge about donors Project Appraisal specially Oxfam-
Development Novib, DFID, EC-UN project appraisal
Strong knowledge about donors project monitoring and reporting techniques specially Oxfam-
Novib project monitoring and reporting.
Business Plan development for Microinsurance mutual entity, Microfinance programme,
Branch modelling for Microfinance programme, Business Plan for Microenterprise programme
Onsite and off-site Monitoring and Evaluation of Microfinance and Economic Development
Micro-Finance, Rural Finance and Agriculture Finance Product designing
Microinsurance product designing
Rural Livelihoods, Climate change adaptation and Rural Finance programme designing
involving various stakeholders
Micro-enterprise Product designing
Private Sector Development Programme
Business Development Service programme development
Migration, Remittances and Economic Development related programme development
Programme Staff induction and development and Team Work
Management Planning, Designing, Executing and Monitoring simple to complex projects/ programs
Funding decision and efficient fund management for Microfinance and Small & Medium
enterprise development programme
Micro Finance, Microinsurance and Remittance Programme Management
Post-Disaster livelihood programme management
Liaisoning, Networking & Negotiation Skills & working in partnerships with NGOs/MFIs/CBOs/
Research Develop Microfinance Rating Methodology
and Develop Social Impact Assessment Tools for Microfinance program
Development Market Survey on Microinsurance products
Migration, Remittances and Economic Development
Institutional Profile for MFIs/NGOs
Socio-economic Impact Assessment Study of Microfinance program
Community based initiative impact assessment for rural development
Training Business Planning and Branch modelling training manual development
Materials and Manual for Microfinance professional training
Manual Manual for Microinsurance operational training
Development Manual for Micro-enterprise client selection and Micro-enterprise loan operations
Financial Management Modules for MFIs
Micro Finance Programme M & E Framework Development
Business Development Services training
Advocacy Advocacy skill for mainstreaming gender in Microfinance
and Migration, Remittances and Economic Development
Communicati Philanthropy and humanitarian approaches for migration
on Private Sector Development
Microinsurance Mutual Entity development
Social Business Enterprise(SBE) development
Corporate Social Responsibility(CSR) and Socially Responsible(SRI) investment fund for
Business Development Services for SME
Forward, Backward and Market linkage for SME
Experiences Working as a Project Manager (Microfinance and Remittances) International Network of
July 2008- To Alternative Financial Institutions (INAFI) Bangladesh, Gulshan-1, Dhaka, Bangladesh.
Date Job responsibilities:
- Managing 3 projects ( 2 Projects in Bangladesh and 1 in Sri Lanka) on Migration,
Remittances and Enterprise Development funded by OxfamNovib, DFID, EC-UN Joint
Migration and Development Initiatives
- Project proposal and Project Operational plan development
- Microenterprise and SME Training of Trainers(TOT) course development and conduct
- Microenterprise / SME and Business Development Services(BDS), Financial Literacy for
remittances senders and recipients training course material development and conduct
training for the staffs of MFIs and clients
- Professional Microfinance training materials development and conduct training
- Enterprise development for remittance recipient families and returnee migrants project
- Conduct Research on Microfinance Rating, Microfinance and Rural Finance product
development, Migration and Development, and Enterprise Development
Sept.2004 – Working as Programme Officer at International Network of Alternative Financial Institutions
June 2008 (INAFI) Bangladesh, Gulshan-1, Dhaka, Bangladesh.
- Capacity building of Microfinance institutions through professional training
- Institutional Profile Development of Member MFIs/NGOs
- Developed Microfinance Rating methodology and provided inputs to the Microfinance rating
methodology of a local rating agency
- Developed Social Impact Assessment Tools
- Microfinance, Microinsurance and SME Training brochure and manual development
- Market research on new Microfinance product development and conducted market research
on Microinsurance products offering by MFIs/NGOs and Insurance Companies in Bangladesh
- Microfinance, Microinsurance and Microenterprise / SME product development
- Conduct Thematic research on Migration, Remittances and Economic Development
- Programme management
- Organising workshops/seminar/symposium
- Project proposal writing
- Preparation of work plan, budget and annual progress report
Jan. 2003 – Worked as Project Associate & Assistant Manager (Operations) at Palli Karma-
Sahayak Foundation (PKSF), Agargaon, Dhaka, Bangladesh.
- Monitoring and evaluation of operations and performances of partner organisations (NGOs),
- Funding decision and disbursement of fund for partner organisations
- Financial and strategic planning for partner NGOs
- Evaluation and assessment of new organisations applied for funding
- Capacity building of partner NGOs by providing training
- Business planning and budgeting for partner NGOs
- Human resource planning for partner organisation
- Research on Socio-economic impact of Microfinance programme
Nov. 2002 – Worked as a Program Officer in a Project of Micro Industries Development Assistant
Dec. 2002 Services (MIDAS).
Computer entry of the data through SPSS and processing of the same, report structure designing
and Writing draft report.
Dec. 2001- Worked as a Customer Service Officer / Merchandiser in Braitrim Plastiform (BD.) Ltd.,
April 2002 Banani, Dhaka.
Export- Import documents preparation and management, commercial job, customer management,
distribution and supply chain management
Dec. 2000- Worked as Executive- Marketing in Shwash Corporation Ltd., 3/3-B Purana Paltan,
Nov. 2001 Dhaka-1000.
Identifying demand of customers through market study, designing marketing plan, product
positioning plan, Export- Import monitoring, corporate sales follow up etc.
Sept. 2000- Worked as a Research Assistant in the ‘Evaluation of Community Based Fisheries
Nov.2000 Management Program for Rural Development’ project of the Research Division of Centre
on Integrated Rural Development for Asia and the Pacific (CIRDAP).
Questionnaire preparation, Pre-testing questionnaire, Collection of information from stakeholders,
Focus Group Discussion, Computer entry of the data and processing of the same, writing draft
Worked as a manager in Computer and Communication Tracks, 3/3/B (1 Floor), Purana
Aug. 2000 Paltan, Dhaka-1000.
Control and supervise the work of employees, Receiving and dispatching letters, Leave
Management, Maintenance of accounts and reconciliation, Financial analysis and preparation of
reports, Cash and fund management.
Mar.2000- Worked as an Intern in the Research Division of Centre on Integrated Rural Development
May 2000 for Asia and the Pacific (CIRDAP) and conducted research paper on “Micro-finance for
the Poor in the Slum Areas of Dhaka City: Urban Program of Proshika.”
Preparation of research proposal, Questionnaire preparation, Collection of information from
stakeholders, Computer entry of the data and processing of the same, writing draft report and
Preparation of final report.
Worked as an “Internal Auditor” in Marketing and Sales Department of Hyundai Cement
(Bangladesh) Co. Ltd. for two weeks from 5-19 February, 1998.
Currently working as a Team Coordinator on behalf of INAFI Bangladesh of consultancy on
October 29, ‘Rating and Auditing Issues of MFIs’ for Microcredit Regulatory Authority(MRA),
2009 to Bangladesh
January 2010 Terms of References(ToR):
(Ongoing) Risks of MFIs, necessity of credit rating, credit rating and prospective flow of commercial
Overall strengths and weaknesses of MFIs operations considering governance
aspects, managerial factors and sustainability issues, determining indicators representing
Assessment of MFIs’ social performance and issues relating to social rating, alternative
scoring/rating methods, selection of methods and criteria for appointing credit rating agencies,
regulation that MRA should adopt in this regard,
How financial statements are prepared and accounting is done by the MFIs in
Bangladesh, how to ensure that these are done in accordance with standards, norms and
Regulations, importance of distributing audit reports widely to all stakeholders and others, present
position of internal control mechanism and ways and means to create
an appropriate internal control environment in MFIs, assessment of training requirements of audit
firms and prospective sources of finance for training program, issues relating to selecting
affordable national and international auditors, and other issues.
August 17, Conducted Research on ‘Suitable Insurance Mechanism for the Poor Fisher Folk
2008 – (Sea)’ ( A Project of Actionaid Bangladesh supported by European Commission
January 31, Humanitarian Aid), Recruited by CODEC, a local NGO/MFI of Bangladesh
2009 ( 60
Working Terms of References (ToR):
Days) Setting the Action Plan
Background and context analysis
Opinion assessment of the stakeholders i.e. fishermen, boat owners and insurance
Develop the proposed insurance mechanism
Validation workshop in Dhaka and Chittagong. A short-lived workshop will be organized
ensuring the participation of relevant persons for finalizing the report.
Compile final report, incorporating proposed insurance system. The report will be finalized
only when the inputs and suggestions of the workshop will be incorporated.
July 23 -
September Conducted Research and Provided Consulting service as a Local Expert to the project
30, 2008 titled ‘Microfinance Initiative for Asia- Review of the Microfinance Sector in
( 15 Working Bangladesh’( A Project of IFC & KfW), Recruited by Frankfurt School of Finance and
Days) Management, Germany.
The report has been published in the IFC website link:
Terms of References (ToR):
Provide an overview of the political & macroeconomic situation
Provide an overview of the financial sector
Assess the demand / supply gap for several microfinance services
Assess the demand /supply gap for refinancing facilities for the microfinance sector
Describe the state of the microfinance sector, including the stakeholders, the legal and
regulative framework and important recent trends and upcoming issues(Mapping)
Identify the potential for support mechanism for the sector, e.g. green fielding,
transformation, downscaling, apex/fund structures, support to individual institution having
a regional focus
General and in particular financial analysis of commercial banks and microfinance
Provision of local background information in finance and microfinance issues.
Computer MS Office, SPSS, Internet & E-mail.
Literacy Fluent in Bengali and English both in writing and speaking. Understand little Hindi and French
Languages Aptitude Test: TOEFL score is 230 in Computer Based Test (equivalent to 573 in Paper Based
Test) and Test of Written English score is 5.5 out of 6, March 2001.
Subjects of Finance, Economics, Project management & Human Resource Management.
Country of Bangladesh. Knowledge about Microfinance and Development sector of Asia and Africa due to
Experience visit and work with practitioners. Little knowledge about Microfinance sector of Latin America
through working with practitioner organisations.
Publications Social Science Review, The Dhaka University Studies, Part-D, Vol.24, No.2, ‘Social
Safety Net for Poverty Alleviation and Expectations: The Bangladesh Perspective’,
Joint Publication, December 2007.
Daffodil International University Journal of Business and Economics, Vol.3, No.1, 2008,
‘Bridging the Gap between Microfinance and SME Financing in Bangladesh:
Unlocking the Potentials’, Joint Publication, January 2008.
Please visit the web-site ULR:
INAFI Bangladesh Research Paper on ‘Reducing Vulnerability of the Poor through
Social Security Products: A Market Survey on Microinsurance in Bangladesh’,
Published by INAFI Bangladesh, February 2007.
Please visit the web-site ULR: http://www.inafiasia.net/bangladesh_chapter
INAFI Bangladesh Working Paper Series No. 1, ‘Harnessing Remittances for
Economic Development of Bangladesh’, Published by INAFI Bangladesh, April 2006.
Please visit the web-site ULR: http://www.inafiasia.net/bangladesh_chapter
The Jahangirnagar Review, Part II, Social Science, Vol. XXIX, 2005, ‘Managing
Microfinance Institutions (MFIs) Efficiently: Measuring Performance and
Sustainability’, Joint Publication, Published by Journal of The Faculty of Social Sciences,
Jahangirnagar University, Savar, Dhaka-1342, Bangladesh, Printed in June 2006.
Training/ Participated as a Resource person in ‘International Experts Meeting on Migration and
Workshops/ Financial Microproducts (ENIMPFIN)’ organised by International Organisation for
Seminars Migration(IOM) Spain on 30 November, 2010 held in Madrid, Spain
Participated as a Resource person in the session on Feasibility study of Asset Insurance at
National Conference titled Sharing on Community Based Climate Change Adaptation
organised by Actionaid Bangladesh from 14-15 November, 2009, Dhaka, Bangladesh
Conducted training as a Resource Person on the session ‘Microfinance Product Design and
Development’ Of TOT course on “Microfinance Operation and Management” on July 21, 2009
organised by Institute of Microfinance (InM), Dhaka, Bangladesh
Participated as a Resource Person in ‘Migration for Development Knowledge Fair’ in Brussels,
Belgium from 1-5 December, 2008 jointly organized by EC / UN Joint Migration and
Development Initiative and International Centre for Migration Policy Development (ICMPD).
Participated in ‘Civil Society Forum of 2nd Global Forum on Migration and Development’ held
in Manila, Philippines from 28-29 October, 2008 and also selected as a member of civil society
delegates to represent Government Meeting.
Participated as a Resource Person in International Forum on ‘Microfinance, Remittances and
Social Impact of Migration’ held at Asian Institute of Management (AIM), Philippines from 24-25
October, 2008 jointly organized by INAFI International, INAFI Philippines, PHILCOMDEV (INAFI
Philippines is founding member), AIM Policy Center, Konrad Adaneur, and Oxfam Novib
Participated in Asia Microfinance Forum 2008 in Hanoi, Vietnam from 24-29 August, 2008 as
Resource person and presented paper on Leveraging Remittances- A Microfinance Issue?
Participated in INAFI Global Conference on Microfinance, Remittances and Development from
7-9 November, 2007 in Cotonou, Benin; organised jointly by INAFI International Foundation and
the Government of Benin.
Participated in INAFI International Training Programme on Microinsurance from September 28
to October 5,2007 organized by Asian Knowledge centre for Micro-Insurance (ASKMI), Tata-DHAN
Academy, Madurai, Tamilnadu, India.
Participated in Microinsurance Inception Workshop in Burkina Faso from July 30 to August 1,
2007 as Member of INAFI International Microinsurance Taskforce Expert Group and presented
paper on INAFI Asia vision on Microinsurance. The workshop was organised by INAFI
Participated in Microfinance & Remittance Experts and 1st Taskforce Group Meeting in Burkina
Faso on 2 August, 2007. The meeting was organised by INAFI International.
Organised and participated as resource person in the conference on ‘The Problems and Prospect
of Flood Insurance Market in Bangladesh’ and presented paper on ‘A SWOT Analysis of
Microinsurance in Bangladesh’. The conference was held on 3 July, 2007; Dhaka, Bangladesh
and jointly organised by INAFI and Poverty Reduction and Environmental Management (PREM),
Participated in ‘Credit and Risk Management for MFIs’ trainers training course under the
Citigroup-AIM MFI Management Training Accreditation Program(MTAP) from May 7-12,2007 at
Asian Institute of Management(AIM), Manila, Philippines
Participated in the `Second International Training Programme on Microinsurance’ in India from
6-11 December, 2006; organized by Asian Knowledge centre for Micro-Insurance (ASKMI), Tata-
DHAN Academy, Madurai, Tamilnadu, India.
Participated in the 10th Regional Conference on Migration named ‘Current Perspectives and
Strategies in Addressing Irregular Migration’ in Singapore from 6-7 November,2006; jointly
organized by Migrant Forum in Asia and Singapore National Trade Union Congress.
Participated as a Resource Person in the conference on ‘Converging Initiatives and Best
Practices in Harnessing Migrants Philanthropy, Investments and Remittances for Local
Economic Development’ at the Development Academy of the Philippines, Tagaytay City,
Philippines from 23-28 May, 2006; jointly organised by INAFI Asia, INAFI Philippines and
OxfamNovib, The Netherlands and presented paper on ‘Harnessing Remittances for Economic
Development of Bangladesh’.
Organised and Participated as resource person in Microfinance Professional Training on ‘Financial
Modelling and Portfolio Management for MFIs through prudent Business Planning’ jointly organised
by INAFI Bangladesh and Enterprise Resource System Ltd. Dhaka, Bangladesh, from 11-14
Participated in the certificate course on ‘Research Methodology in Social Science’ jointly organised
by Economic Research Group and North South University, Dhaka, Bangladesh, from 16-21
Organised and Participated in the conference on ‘Asian Tsunami, Restoration of livelihood: Role of
Microfinance, 27-29 November, 2005, Beruwala, Sri Lanka.
Participated in the Regional Exposure visit in Sri Lanka, from November 30 to December 01, 2005.
Organised Conference on ‘Local Initiatives for Microfinance Rating in Bangladesh’, and presented
paper on ‘Social Impact Assessment Tools for Microfinance Rating’, November 20, 2005,
Participated and presented paper on Microinsurance in the international conference on
‘Microinsurance’, and also participated in the exposure visit, from 27-30 September,2005, Madurai,
Tamilnadu, India, organised by INAFI Asia, INAFI India and Dhan Foundation, India.
Participated as resource person in ‘Business Planning for MFIs’ from 22-24 August, 2005, Dhaka,
jointly organised by Enterprise Resource System Ltd. and CARE Income.
Participated in the ‘Strategic Planning Training’ from 12-17 February, 2005, the Hague, The
Netherlands, organised by Novib(Oxfam) Netherlands and INAFI International Foundation.
Organized and Participated in the INAFI Bangladesh national exposure visit on ‘Reaching the
Hardcore Poor through Microfinance, May 29 – June 02, 2005, Bangladesh.
Participated as Resource person in the workshop on ‘Efficient Fund Management and Sources of
Microcredit Fund’ 12-16 December, 2004, organised by INAFI Bangladesh and Barisal NGO Co-
ordination, at Barisal, Bangladesh.
Participated and member of registration committee and also worked as reporter in the ‘Asia
Pacific Region Microcredit Summit’ 15-19 February, 2004, Dhaka, Bangladesh, organised by
Microcredit Summit Campaign and PKSF.
Participated in the PKSF pre-service training, Dhaka, Bangladesh
Participated in the ‘PO MIS Training’ organised by PKSF, Dhaka, Bangladesh
Professional Selected as a designated Technical Assistance Provider at ILO Microinsurance Innovation
Achievements Facility Programme
Provided information and comments on ‘Survey on role of mutuals, cooperatives and
community based organisations in Microinsurance’. The survey was jointly conducted by
International Association of Insurance Supervisors (IAIS) and CGAP Working Group on
Provided comments on ‘Finmark Trust Study on insurance cooperatives and mutual’
Reviewed Concept Paper of Session-4: Measures to increase the development value of
remittances: Formalization and reduction of transfer costs and ways to enhance the
micro-impact of remittances on development to the benefit of the wider community by
Manuel Orozco, Inter-American Dialogue, USA. This paper has been presented in Global
Forum on Migration and Development, Civil Society Day, 9 July, Brussels, Belgium. Please
visit the websiteULR: http://smooz.gfmd-civil-society.org/gfmd/files/Session_4.pdf
King Baudouin Foundation of Belgium nominated as Resource Person in the preparation of
Session-4: Measures to increase the development value of remittances: Formalization and
reduction of transfer costs and ways to enhance the micro-impact of remittances on
development to the benefit of the wider community of Civil Society Day of Global Forum on
Migration and Development. But due to unavoidable family circumstances I couldn’t
Participated in online discussion for Global Forum on Migration and Development, Civil
Society Day, 9 July, Brussels, organised by King Baudouin Foundation, Belgium. Please visit
the websiteULR: http://www.gfmd-civil society.org/index.html?current=13&page=13 &
Member of INAFI International Microinsurance Taskforce Expert Group
Developed Microinsurance Mutual Entity (MIME) Project in Bangladesh and prepared
Business Plan for MIME Project.
Developed Microfinance Rating Methodology and also provided input to the Microfinance
Rating methodology to a local Rating Agency named CRISL.
Developed Social Impact Assessment Tools for the programme of MFIs/NGOs. Please visit
the web-site ULR: http://www.inafiasia.net/bangladesh_chapter/conference report on local
initiative for microfinance rating.
Conducted Market Survey on Microinsurance products offered by MFIs/NGOs and Insurance
Companies in Bangladesh. The Primary findings of the survey of MFIs/NGOs has been
shared by organising a national conference held on 28 February 2006. Please visit the web-
site ULR: http://www.inafiasia.net/news & events/INAFI Bangladesh national conference/Read
more>> to see presentation document.
Member of the research team of PKSF research conducted on ‘ Socio-economic Impact of
Increased Loan Size on Microcredit Borrowers’
Conducted Special session on ‘Microfinance and Microfinance Institutions(MFIs): A new
form of Financial Sector’ as Guest Speaker for course ‘Financial Market and Institutions’
offered for Bachelor of Business Administration Students by the Department of Business
Administration, Jahangirnagar University, Savar, Dhaka, Bangladesh.
Academic Awarded Doctorate level (Phd.) scholarship for the academic year of 2001-2002 by the
Achievements Turkish Ministry of National Education and the Institution of Education was Istanbul University,
The Institute of Social Sciences.
But due to some unavoidable family circumstances, I couldn’t accept the award.
Education November,2004 North South University Dhaka, Bangladesh
Completed two years program (60credits) with Marketing & Finance major with CGPA of 3.23
on a 4.0 point scale.
1995-1998( Held in 2000) Jahangirnagar University Savar, Dhaka, Bangladesh
BBA (Bachelor of Business Administration)
Completed fours years’ program with CGPA 3.30 on a 4.0 point scale.
1993 Dhaka Board Dhaka, Bangladesh
H.S.C (Higher Secondary Certificate)
First Division( 73.1% marks, Science group)
1991 Dhaka Board Dhaka, Bangladesh
S.S.C (Secondary School Certificate)
First Division( 77.3% marks, Science group)
Personal Nationality : Bangladeshi by birth.
Date of birth : 21 February 1976
Marital status : Married
Sex : Male
Religion : Islam
References 1.Mr. Robert Smith
Challenge Fund Manager
Remittances and Payments Challenge Fund(RPCF)
Remittances and Payments Partnership(RPP)
Bangladesh Bank, 2 Annex Building(27 Floor)
Motijheel C/A, Dhaka-1000
Ph: 880-2-7126101-20, Ext. 3284
2. Mr. Golam Touhid
Palli Karma-Sahayak Foundation(PKSF)
Ph: 880-2-9126240-43, Ext. 1011(off.)
(MOHAMMAD RASHED AL HASAN)