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Hello, I am Carlos Ani an international consultant on microfinance and SME Banking. Welcome to my website. Currently, I am involved in conducting training seminars for Filipino bankers - coming from commercial banks, rural banks, cooperative banks, development banks and even from a few large cooperatives - about Risk-Based SME Lending . This work is connected with a KFW-funded Project to emhance the capacity of the Small Business Corporation (SBC) and its Partner Financial Institutions (PFIs) in the Philippines. We teach bankers how to use a credit rating system called 'Borrower Risk Rating' (or BRR for short)
Our second Makati batch of bankers and seminar participants. Click here to see our 2nd Makati Photos
Our Naga batch of bankers and seminar participants. Click here to see our Naga Photos

Our batch of bankers and BRR seminar participants in Cagayan de Oro City. Click here to see our CDO seminar photos
Our first batch of bankers and seminar participants in Makati City.
We have done 8 BRR seminars in these places: Naga, Baguio, Makati, Cagayan de Oro, Tacloban, Cebu, Davao and another run in Makati, Metro Manila.
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For those who attended the Risk-Based SME Lending Seminar conducted by Carlos Ani, you are welcome to download the materials discussed in that seminar. Just click on the Free Download button below.
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I promised to my BRR seminar students to share with them my seminar materials. Please click here to download those materials.
Our Tacloban batch of bankers and seminar participants. Click here to see our Tacloban photos
Our Cebu batch of bankers and seminar participants. Click here to see more Cebu batch photos

Our Davao (Mindanao) batch of bankers and seminar participants. Click here to see our Davao Photos

Our BRR Seminar in Baguio City - Click here to see our Baguio Photos

Our BRR Seminar in Cagayan de Oro City - Click here to see our CDO Photos
Carlos Ani is a regular short-term Microfinance Consultant to the PNG-ADB Microfinance Project, which has a capacity building programme for many microfinance institutions in Papua New Guinea. In May 2008, Carlos visited Chimbu province, in the Highlands region of PNG, to conduct a short microfinance market study. Click here to see some recent photos taken in Chimbu.


Carlos Ani is also involved as a key officer and director of the SEEDFINANCE Corporation, which is a large microfinance development programme started by CARE more than 14 years ago. SEEDFINANCE is operating now as finance company that provides financing to more than 52 partner cooperatives and MFIs in the Philippines. The Corporation is aiming higher this year, 2008. It is planning to disburse a total of 225 million pesos worth of loan disbursals to its partner microfinance organizations this year. SEEDFINANCE is also increasing the delivery of training and technical assistance to partner microfinance organizations to assist them to expand their operations or set up new branches. From a combined client outreach 310,000 people in 2007, it is expected that SEEDFINANCE's client outreach will reach 350,000 people by the end of 2008.
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