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General Manager, PAMIGA and PAMIGA Finance SA

General Manager of PAMIGA and PAMIGA Finance SA, an impact investment vehicle for rural microfinance in Sub-Saharan Africa, Renée Chao-Beroff holds a Ph.D in Economics and Finance. Mrs. Chao-Beroff has worked in economic development and microfinance for 30 years. She developed the self-managed village saving and loan bank model (Caisse villageoise d’épargne et de credit autogérées, or CVECA’s) which has brought sustainable microfinance to remote rural areas across West and Central Africa. Mrs. Chao-Beroff regularly advises donors, governments, national networks and MFIs and teaches microfinance at the Center for Finance, Economics and Banking Studies in France as well as the Boulder microfinance program.
Mrs Chao-Beroff was a member of the Policy Advisory Group from 1995 to 1999 and also sat on the CGAP Executive Committee.


Senior microfinance expert, West Africa Representative

René Azokly served 12 years (1996 to 1998) as Chief Executive Officer of PADME, one of the largest microfinance institutions in West Africa.
He chaired the board of several national and international organizations, such as the Professional Association of Microfinance Institutions in Benin (the Consortium Alafia) and the African Network of Microfinance (AFMIN). He was a member of the Advisors Group to the United Nations International Year of Microcredit in 2005. Finally, he was a trainer in microfinance and corporate governance in several African universities and institutions.


Chief Information Technology Advisory Officer

Jacinta KAMEMBA MAIYO is a microfinance expert with broad experience in managing information technology projects. She has taken part in various projects which involved consulting services for MFIs. She previously worked with as a project manager for an Africa wide programme with Grameen Foundation and was a lead consultant for Spasys Ltd. Jacinta is well versed with various MIS systems for MFIs and has been involved in software and vendor selection for several MFIs. Having worked in the microfinance arena for over 16 years, Jacinta brings internal knowledge of microfinance into play. She is highly skilled in project management, business analysis and information systems policy formulation. She has undertaken both long and short-term assignments, in multi-disciplinary consulting teams, either as the lead consultant and sometimes providing technical assistance.

Project Manager Digital Finance

Linda Djaoud worked 9 years for Deloitte Consulting and 4 years for BNP Paribas's financial management on several business transformation projects and information systems projects. Linda holds a master's degree in information systems from the IAE Paris Panthéon Sorbonne. She is specialized in the management of complex transformation programs and also in the problems of operational excellence, optimization of organizations and business processes. She has worked with many French and international institutions in Switzerland, French Polynesia, Algeria, United Kingdom, etc. She has joined PAMIGA in January 2019 as a digital finance program manager. Linda will pilot the digital transformation project of PAMIGA member institutions.

Energy and Microfinance Project Manager

Umberto Trivella is a financial inclusion and project management specialist with 10 years of experience in both developing and developed countries. His key competencies include quantitative and qualitative studies (market studies, DAC evaluations), development of new financial products and services, and training and coaching. Umberto has conducted technical assistance assignments in 20 countries across 3 continents, with a particular focus on Sub-Saharan Africa. At PAMIGA, Umberto is in charge of program aiming to promote access to clean energy for low income households through adapted financial products. Umberto holds a degree in Political Science from "Sapienza" University of Rome and a master's degree in Cooperation and Development from the Institute for Advance Study of University of Pavia, Italy. 


Marion ALLET
Senior Programme Officer - Environment & Microfinance

Graduate from Sciences Po Paris and from the European Microfinance Program, Marion Allet worked for two years in international cooperation before specializing in microfinance. Since 2009, she has been developing a specific expertise in "green microfinance", undertaking a PhD in economics and management on "Microfinance and the Environmental Bottom Line". Before joining PAMIGA, Marion worked for over three years with PlaNet Finance on a project of access to renewable energies and energy efficiency through microfinance (Morocco, Egypt). As PAMIGA Environment & Microfinance Programme Officer, she supports member MFIs in developing adapted financial products for energy access.


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Partner consultants

Pamiga works closely with a pool of microfinance experts who have a good knowledge of Pamiga partner MFI and can bring additional skills to our team:
Nathalie Assouline, Pierre Daubert, Christine Poursat (ALIA), Paul Picot, Soulemane Djobo (CIDR), among others.

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