WORK HISTORY. Independent Microfinance Consultant, April 1, present

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1 LALAINE MARASIGAN JOYAS Microfinance Consultant Rm. 200, SCC Building, CFA Compound, 4427 Old Sta. Mesa, Manila, 1016, Philippines Mobile: Skype: lalaine.m.joyas LALAINE M. JOYAS is an independent consultant with two decades of experience in microfinance. As a researcher, writer, trainer, assessor, resource speaker and technical assistance provider, Lalaine has worked with various microfinance organizations in the Philippines and in other parts of Asia (Cambodia, Vietnam, Lao PDR, Malaysia, Nepal, China and Pakistan). With both local and international experience, she specializes in strategic planning, social performance management, consumer protection, agriculture microfinance, market research, product development, program evaluation, and institutional performance assessment. As a staunch advocate of responsible microfinance, Lalaine is an active member of the Social Performance Task Force; is Smart Campaign s certified lead assessor of MFIs client protection practices; is a Cerise-certified SPI social auditor, and contributes to various SPM and client protection initiatives. She is currently a World Bank consultant on microfinance and WaSH (water, sanitation and hygiene). Lalaine is the former Executive Director of the Microfinance Council of the Philippines (MCPI), the national association of microfinance and allied institutions advocating for sustainable, innovative and client-responsive solutions to poverty. Before MCPI, she was part of the USAID-funded Developing Standards for Microfinance Project (DSMP), where she was involved in the implementation of a national survey on the state of microfinance in the Philippines and did relevant research work in the formulation of performance standards for NGOs engaged in microfinance. Lalaine holds a BS degree in Statistics from the University of the Philippines in Diliman, and took graduate studies on Development Economics at the same university. WORK HISTORY Independent Microfinance Consultant, April 1, present Microfinance Council of the Philippines, Inc. (MCPI) Executive Director, October 1, 2009 March 31, 2012 Managed the association and its day-to-day functions; developed operational and financial strategies, including business plans for the association; established key and strategic partnerships with major industry stakeholders; led the association s advocacy programs on important industry issues; managed and maintained relationships with the Board and the association members. Other Positions Held: Program and Learning Manager, January 1, 2007 September 30, 2009 Research & Information Officer, November 1, 2000 December 31, 2006 Developing Standards for Microfinance Project Secretariat Research & Information Officer, May 1997 October 31, 2000 The Developing Standards for Microfinance Project was funded by the United States Agency for International Development (USAID) under its Civil Society Program, with TSPI Development Corporation as Project Holder. One of the project s key result areas was the formation of a tactical coalition of key players in microfinance, known as the Coalition for Microfinance Standards, and the formulation and development of the Microfinance Performance Standards. The Coalition, through the Secretariat, implemented project initiatives in support of the development of performance standards in microfinance. Roles and responsibilities: Supervised the implementation of the nationwide inventory or survey of microfinance NGOs; analyzed data generated from the survey and prepared a technical report on Philippine microfinance NGOs; assisted in the implementation of the National Microfinance Survey, an in-depth study of the operations of top microfinance NGOs in the country; assisted the Project Management Consultant in the technical aspects of the formulation and development of microfinance standards.

2 Other responsibilities: Provided overall coordination of Secretariat activities; assisted in the training and advocacy activities of the Coalition; prepared project progress reports to the USAID; prepared documentation of proceedings of meetings, training activities and workshops; served as technical assistant to the Project Management Consultant. Agricultural Credit Policy Council, Department of Agriculture Acting Chief, Policy & Planning Division, August 1996 April 1997 Roles and responsibilities: participated in the economic impact evaluation of agricultural credit policies and programs and the economic condition of the farmers and agricultural production and the overall enhancement of efficiency in the rural finance markets; supervised the conduct of special studies on the economic viability of on-going proposed credit financing programs for agriculture; and supervised the analysis and interpretation of technical data on agricultural economics and the rural finance market. Other Positions Held: Supervising Economist, January 1993 July 1996 Economist III, January December 1992 Market Specialist II, January December 1991 Research Assistant, May December 1990 MICROFINANCE BACKGROUND AND EXPERIENCE Trainer/resource speaker on social performance management (SPM) and social performance assessment tools Trainer, Responsible Microfinance Workshop Series on SPM and Client Protection, Microfinance Council of the Philippines, Inc. (MCPI), October 2017 Lecturer, Asian Institute of Finance (AIF) Microfinance Management Programme (AMMP), Kuala Lumpur, Malaysia, June 2012 and April 2013 Facilitator, Cerise SPI Training for MCPI, Manila, June 2012 Co-Facilitator, Cerise SPI Training for PlaNet Finance, Manila, April 2012 Resource speaker/facilitator, SP Start-up Fund Kick-off Workshops for national networks from Asia and Africa, 2011 Resource speaker/facilitator, SPM Workshop for the Lao PDR Microfinance Working Group, July 2011 Resource speaker/facilitator, Social Performance Task Force Asia Working Group Meeting, February 2011 Resource speaker/facilitator SPM Strategy Workshop for partner-mfis of Oikocredit, Cambodia, December 2009 Facilitator, Training of Trainers on Quality Audit Tool for MFIs, May 2009 Facilitator, Training of Facilitators for the Quality Audit Tool, August 2008 Resource speaker/facilitator, Social Performance Management in Microfinance in Plan Asia, Plan Asia 2008 Regional Microfinance Network Meeting; Bangkok, Thailand, May 14, Resource speaker/facilitator, Social Performance Management in Microfinance, Phnom Penh, Cambodia, February 11, Resource person on Social Performance Management in Microfinance, Asian Forum for Solidarity Economy; Quezon City, Philippines, October 18, Participant, International Task Force on Social Performance, by CGAP, Ford Foundation and Argidius Foundation; Paris, France, June 10-12, 2007 Facilitator, Training of Trainers: SPM Strategy Workshop; by MCPI, CARD and the Microfinance Centre (Poland); Tagaytay City, Cavite, May 15-18, Facilitator, Social Performance Management (SPM) Course; sponsored by the Consultative Group to Assist the Poorest (CGAP), the Imp-Act Programme, IDEAS, CARD and MCPI; Tagbilaran City, Bohol on December 5-9, 2005; Bay, Laguna on January 9-13, TA Provider/Assessor on social performance management Lead Auditor, SPI4 social audit of JM Honrado Microfinance, Inc. (JMH), Philippines, December 2017 Lead Auditor, SPI4 social audit of St. Elizabeth Community Development Program (SECDEP), Philippines, November LALAINE MARASIGAN JOYAS

3 Lead Auditor, SPI4 social audit of Tulay Sa Pag-unlad, Inc. (TSPI), Philippines, September 2017 Consultant, Truelift Third-Party Verification of Ahon Sa Hirap, Inc. (ASHI), Philippines, March to April 2017 Lead Auditor, SPI4 social audit of Tinh Thuong One-Member Limited Liability Microfinance Institution (TYM), Hanoi, Vietnam, August-September 2016 Consultant/TA Provider, Towards SPM Excellence at ASKI Project, Opportunity International Australia and MicroSave, November 2013 December 2014 Consultant/TA Provider, Social Performance Fund Project: Improving MFI Compliance to the Universal Standards for Social Performance Management (USSPM), Microfinance Council of the Philippines, Inc. (MCPI), March 2013 June 2014 Lead assessor for the social audit of Ahon Sa Hirap, Inc. (ASHI), Quezon City, February 2013 Lead assessor for the social audit of People s Bank of Caraga (for MCPI), San Francisco, Agusan del Sur, August 2012 Lead assessor for the social audit of Rangtay Sa Pagrang-ay, Inc. (RSPI), Baguio City, June 2012 Trainer/resource speaker on client protection Trainer, Responsible Finance Workshop for Oikocredit Partners; Manila, May 26-28, 2015; Phnom Penh, Cambodia, June 2-5, 2015 Trainer, Client Protection Training for SEEDFINANCE Corporation, Manila, June 2012 and Cebu City, August 2012 Trainer, Client Protection Training for Community Economic Ventures, Inc. (CEVI), May 2012 Trainer, Client Protection Training for Oikocredit Partners September 2011 Resource speaker/facilitator, Social Performance Task Force Asia Working Group Meeting, February 2011 TA Provider/Smart Campaign Assessor of MFI s client protection practices Consultant, Technical Assistance Project for the Implementation of Client Protection Principles in Cambodia, Cambodia Microfinance Association; October 2017 to February 2018 Consultant/TA Provider, Integrating the Client Protection Principles ; Rangtay Sa Pagrang-ay, Inc. (RSPI), Philippines; March 2016 to September 2017 TA Provider, Technical Assistance on Responsible Finance for Gata Daku Multi-Purpose Cooperative and Abrasa Multi-Purpose Cooperative ; Oikocredit SEA; January to April 2017 Lead Assessor for the Smart Assessment of ASA Philippines Foundation; Manila, Philippines, June Lead Assessor for the Smart Assessment of Cantilan Bank; Surigao del Sur, Philippines, January to February Senior SPM/CPP Microfinance Expert, Technical Assistance Project for the Implementation of Client Protection Principles in Cambodia, Microfinanza, the Smart Campaign and the Cambodia Microfinance Association; March December 2015 Lead Assessor for the Smart Assessment of Kasagana-ka Development Center, Inc. (KDCI); Quezon City, Philippines, August-September Lead Assessor for the Smart Assessment of Amret Microfinance Institution; for the Cambodia Microfinance Association (CMA), Phnom Penh, Cambodia, July - August Consultant/TA Provider, Enhancing TPC s Implementation of Client Data Privacy and Mechanism for Complaints Resolution Project, Thaneakea Phum (Cambodia), Ltd., February-March Lead Assessor for the Smart Assessment of Punjab Rural Support Programme (PRSP) and the National Rural Support Programme Microfinance Bank (NRSP MFB) for the Pakistan Microfinance Network, Pakistan, September October 2013 Lead Assessor for the Smart Assessment of Hattha Kaksekar Limited (HKL), Phnom Penh, Cambodia, July 2013; and Seilanithih, Ltd., Phnom Penh, Cambodia, December 2013; for the Cambodia Microfinance Association (CMA). Lead Assessor for the Smart Assessment of Omaganhan Farmers Agrarian Reform Cooperative (for SEEDFINANCE Corporation), Tabango, Leyte, Philippines; December 2012 Lead Assessor for the Smart Assessment of Rural Bank of Pres. M. A. Roxas, Inc., Dipolog City, Zamboanga del Norte, Philippines; November LALAINE MARASIGAN JOYAS

4 Lead Assessor for the Smart Assessment of Lamac Multi-Purpose Cooperative (for Planet Finance), Cebu, Philippines; August 2012 Client Protection Assessor/Lead Assessor for the SEEP-Smart Campaign Project for Networks; provided TA to the Center for Microfinance (CMF) in Nepal and the China Association of Microfinance (CAM); lead assessor for the Smart Assessment of Chhimek Microfinance Development Bank (Nepal) and Ewenke Baoshang Village & Township Bank (China); 2011 Client Protection Assessor for Cantilan Bank, Inc. and Kasagana-ka Development Center, 2009 Trainer on market research and product development Lecturer, Asian Institute of Finance (AIF) Microfinance Management Programme (AMMP), Kuala Lumpur, Malaysia, September 2012 Trainer/Facilitator, Product Development Training for Ahon Sa Hirap, Inc. (ASHI), Quezon City, May 2012 Trainer, Market Research for Microfinance for Philippine MFIs; for Opportunity International, Microsave and MFI partners (TSKI, TSPI and ASKI); May 19-28, 2009; Makati City Trainer, Market Research for Microfinance Course; for the Bicol Microfinance Council (BMCI); March 20-23, 2007, April 10-11, 2007; Legaspi City, Albay. Trainer, Market Research for Microfinance Course for Microfinance Partners of the International Labour Organization (ILO) in Vietnam; Hanoi, Vietnam; October 18-27, Trainer, Market Research for Microfinance Course; August 2001 in Iba, Zambales; October 2001 in Bacolod City, Negros Occidental; May 2002 in Opol, Misamis Oriental; August 2002 in Cagayan de Oro City; April 2004 in Bauang, La Union. Evaluator/Researcher/Writer Lead Researcher, Study on Loan Utilization of One Puhunan Clients ; One Puhunan/Micro Ventures Philippines Financing Company, July to August 2017 Consultant/Writer, The Philippines 2016 Social Performance Country Report ; Microfinance Council of the Philippines, Inc., April 2017 Researcher/Consultant, CARD: Three Decades of Serving the Poor ; Philippines, March to December 2016 Consultant, Customer Empowerment Research, Consultative Group to Assist the Poor (CGAP), The World Bank, April May 2015, Philippines Qualitative Research Expert, Impact Evaluation of the Rural Microenterprise Promotion Programme (RuMEPP), IFAD and De La Salle University; February September 2015 Consultant, Evaluation of Oikocredit s Capacity Building Program on Social Performance Management, Oikocredit, January August 2014 Researcher-Consultant, Assessment of CARD MBA s Operations and Performance, CARD MBA, January June 2014 Case Writer, Social Enterprises and the Progress out of Poverty Index (PPI), Grameen Foundation, May-June 2013 TSPI Palayan Program: A Study to Increase Productivity and Profitability (for MicroSave), March April 2013 The Progress out of Poverty Index (PPI) and Social Enterprises (for Grameen Foundation): Case Studies on Rags2Riches, Inc. and Gratia Plena Social Action Center, March May 2013 Profiling of Resigned CARD Account Officers (for the Center for Agriculture and Rural Development), March 2013 Profiling of Ideal CARD Field Staff (for the Center for Agriculture and Rural Development), November 2012 CARD s Experience on Dropouts: Results and Findings of an Exit Survey (report writing; March 2004) Case Study on United Sugarcane Planters of Davao Savings & Credit Cooperative (focus on successful microfinance products and product development process; March 2003) Survey of Institutional Plans and Capacity Building Requirement of Microfinance Players (survey implementation, data analysis and report writing; results presented during the National Conference on Microfinance in November 2001; UNDP sponsored) Philippine Microfinance NGOs: At the Crossroads? (coordination work in survey implementation, follow-up data processing) 4 LALAINE MARASIGAN JOYAS

5 Profile of Philippine Microfinance NGOs: A Nationwide Survey (data encoding, processing, analysis and report writing) Others Microfinance Specialist, Water and Sanitation Program; The World Bank, January 2016 to June 2018 Consultant, Organizational Development of ASA Philippines, November 2016 to February 2018 Consultant on Market Research for SAMIC (Cambodia) for Oikocredit SEA, 2013 Facilitator for Strategic Planning Workshops: St. Elizabeth Community Development Program, Inc. (SECDEP) in 2014; MEMPCO (Zamboanga City), the Mindanao Microfinance Council, Rangtay Sa Pagrang-ay, Inc. (RSPI) from 2014 to 2017, Negros Women for Tomorrow Foundation (NWTF) in Consultant, Client Protection Initiative, Cambodia Microfinance Association, July - September 2013 Consultant, Social Performance Fund (SP Fund), Microfinance Council of the Philippines (MCPI), April 2013 June 2014 TA Consultant, SPM Process Facilitation, Oikocredit and MCPI, April December 2013 Consultant/Trainer, Mindanao Microfinance Council Trainer, Financial Literacy Training of Trainers for the FAO Regional Fisheries Livelihood Programme (RFLP), Dipolog City, May 2012 MCPI representative to the Imp-Act Consortium and the Social Performance Task Force (until March 2012) Member of the Steering Committee, Social Performance Start-Up Fund (until March 2012) OTHER WORK EXPERIENCE Market Research Specialist, Project: Development of Appropriate and Responsive Financial Products and Services for Microentrepreneurs and Non-Microentrepreneurs, Manila, March September Consultant, Cambodia Health Committee (CHC) Limited Impact Assessment and Client Satisfaction Study, Cambodia, August October Consultant, Technical Assistance to The Green Future Fund (a joint project by Counterpart International and Quang Binh Women s Union) to Develop, Test and Launch New Microfinance Products, Vietnam, June Consultant, ABS-CBN Bayan Foundation and Plan Philippines Partnership Assessment, October November Microfinance Development Associate, GHK International Ltd., Philippine Development of Poor Urban Communities Sector Project, July 16 September 15, Research Associate, Assessment of ABS-CBN Bayan Foundation s Proposal for Microfinance Partnership in Plan- Assisted Communities, April to June Institution Building & Coop Specialist, Evaluation of DA-LBP-ACPC Integrated Rural Financing (IRF) Project, November 2001 to January 2002 Research Associate, A Special Study on the Savings and Credit Systems for Cooperatives in the Agrarian Reform Communities (ARCs) of Regions VII and IX; for the Belgian Integrated Agrarian Reform Support Project (BIARSP), April to June 2001 Research Associate, Research on CARD-PLAN Partnership for Micro-Credit Scale-up and Expansion Programs in Marinduque and Mindoro Oriental, November to December 2000 Report writing and data processing, Final Program Evaluation of the APPEND-EU Modest Credit Facilities Project for Women, June to July 2000 Report writing and data processing, Evaluation of the EU-funded microfinance program of Women in Finance and Entrepreneurship (WIFE), March to April 2000 Institutional assessment and data processing, Mid-term evaluation of the APPEND-EU Modest Credit Facilities Project for Women, December 1999 to February 2000 Research Assistant, Institutional assessment of PLAN cooperative partners (Cagayan Valley Confederation of Cooperatives and Bicol Cooperative Development Center), April to July 1998 Research Assistant, Inventory of Asian Development Bank s microfinance programs for developing member countries, December 1998 to February 1999 Research Consultant, Sub-Borrower Level Impact Evaluation of the Small Micro-Enterprise Credit (SMEC) Project of the Philippine Business for Social Progress, February LALAINE MARASIGAN JOYAS

6 Member of the evaluating team, Institutional assessment of the Sambayanan ng Muling Pagkabuhay Multi- Purpose Cooperative, Inc. (SMPMPCI) in Smokey Mountain, Tondo, Manila, March Case Writer, Study on Self-Help Groups, Interdepartmental Project on the Urban Informal Sector International Labour Organisation SouthEast Asia and the Pacific Multidisciplinary Advisory Team (SEAPAT), May to July 1995 PAPERS AND PUBLICATIONS Published paper: Dingcong, Clarence G. and Lalaine M. Joyas, Profile of Philippine Microfinance NGOs: A Nationwide Survey, Coalition for Microfinance Standards, May Journal article: Joyas, Lalaine M. and Aniceta R. Alip, Institutionalising Impact Monitoring and Assessment of Microfinance: Experiences from the Philippines, Microfinance, Poverty and Social Performance, IDS Bulletin Volume 34 No , Institute of Development Studies at the University of Sussex, UK. Chan, Flerida C. and Lalaine G. Marasigan, Creating Access to Credit for Small Fisherfolk, Asia-Pacific Rural Finance: A Journal of Innovations, Philippine Edition, 2 nd Quarter 1991, Vol. 1 No. 2 Papers presented in a professional meeting: Joyas, Lalaine M., The Philippines 2016 Social Performance Country Report, presented during a dissemination forum of the Microfinance Council of the Philippines, Inc. (MCPI), Manila, March 29, Marasigan, Lalaine G., Fishery Credit Availability in the Philippines, presented during the first convention of the Chamber of Fisheries and Aquatic Resources of the Philippines (CFARP), Manila, October 22, (Also a journal article: Philippine Fisheries Quarterly, Vol. 1 No. 2 January 1994.) Marasigan, Lalaine G., Fishpond Lease Agreements (FLAs) as Potential Collateral Instruments, presented during a consultative dialogue with concerned agencies, Quezon City, June 3, (Also a feature article: Bangko Sentral Review, Vol. II No. 6 June 1994.) Unpublished article: Joyas, Lalaine M., CARD s Experience on Dropouts: Results and Findings of an Exit Survey, March Dingcong, Clarence G. and Lalaine G. Marasigan, FLAs: Issues on Negotiability and Acceptability, October FORMAL EDUCATION Graduate Collegiate Studies toward a Master in Development Economics; Course work completed. School of Economics, University of the Philippines (Diliman, Quezon City), 1995 Bachelor of Science in Statistics University of the Philippines (Diliman, Quezon City), 1990 Secondary Maryhill Academy (Lucena City), 1985 (Graduated with high honors) Primary Maryhill Academy (Lucena City), LALAINE MARASIGAN JOYAS

7 Divine Word University (Tacloban City), 1980 College of the Holy Spirit (Manila), 1978 CERTIFICATE COURSE Completed with highest honors the Programme in Development Economics, 30 th Session, at the UP School of Economics, Diliman, Quezon City. Certified Service Provider of MicroSave-Africa s Market Research for Microfinance Course. Certified Lead Assessor and TA Provider, The Smart Campaign. Certified Social Auditor, Cerise Social Performance Indicators (SPI). PARTICIPATION IN TRAINING COURSES Participant, Oikocredit SPM Process Facilitation Training, March 19-23, 2012, Manila Participant, Networks Certification Program on Social Audits using the Cerise SPI, February 20-22, 2012; Bangkok, Thailand Participant, International Task Force on Social Performance, by CGAP, Ford Foundation and Argidius Foundation; Paris, France, June 10-12, 2007 Participant, Performance Monitoring and Benchmarking Readiness Course; The SEEP Network and The MIX (Microfinance Information exchange), October 20-22, 2003; Washington, D.C., USA. Participant, SEEP/Imp-Act Client Impact Workshop; October 15 16, 2001; Washington, D. C. Resource Speaker/Participant, Regional Workshop on Methodology of Impact Assessment of Microfinance Institutions and Programs; July 4 9, 2001; Bhubaneswar, Orissa, India. Participant, MicroSave-Africa Training of Trainers Course on Market Research for Microfinance ; January 15 26, 2001; Entebbe and Jinja, Uganda, East Africa. SKILLS AND COMPETENCIES Good communication, facilitation, writing and people management skills Computer skills: Proficiency in the use of MS Office (Word, Excel, Powerpoint), Basic skills in SPSS. As of December 12, LALAINE MARASIGAN JOYAS