SME Banking

Hello, I am Carlos Ani  an international consultant on microfinance and SME Banking. Welcome to my website.

Our second Makati batch of bankers and seminar participants.     Click here to see our 2nd Makati Photos

For SEEDFINANCE Corporation, I conducted recently a BRR and FRR seminar for 29 cooperative managers and staff coming from 3 large cooperatives in the Visayas and Mindanao.

Participants of the SEEDFINANCE MicroPlus SME Product Orientation Seminar

That BRR seminar was held in Cebu City last February 11 to 14, 2009. The seminar was sponsored by SEEDFINANCE Corporation (a commercial financing company providing TA and wholesale funds to retail microfinance organizations in the Philippines) and was done in connection with the launching by SEEDFINANCE of a new SME loan product called MicroPlus.

I have just finished conducting a series of 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 was 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. My co-trainer was Mrs Celenita Francisco, a retired seasoned banker. We taught bankers how to use a credit rating system called 'Borrower Risk Rating' (or BRR for short)

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.

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

As a matter of habit, I collect news clips about microfinance , SME finance and banking in the Philippines.

Carlos Ani Phildevfinance

I also created two blog websites which serves as online archivesof these news clips, and where you can get all the past news, posts and opinions (in case you missed them). Those 2 blog websites are both named Philippine Development Finance (PDF) and are found here and here .

Go and check any of those 2 sites. As an alternative, you may subscribe to the blog posts through the RSS links there, and you will get regular emails as the sites are updated. A list of sample earlier news articles are listed on the right here. ==>

Carlos Ani has just finished an engagement as a regular short-term Microfinance Consultant to the PNG-ADB Microfinance Project, which is a large 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; see photos below. Click here to see some recent photos taken in Chimbu.

Carlos also serves Board Chairman of the SEEDFINANCE Corporation, which started as a CARE microfinance development project way back in 1993. SEEDFINANCE is operating now as commercial finance company that provides technical assistance, training and financing to more than 55 partner cooperatives and rural banks in the Philippines. The Corporation is aiming higher this year, 2009, planning to disburse a total of 300 million pesos worth of loans to its partner microfinance organizations this year. From a combined client outreach 430,000 people in 2008, it is expected that SEEDFINANCE's client outreach will reach more than 500,000 people by the end of 2009. Click here to see SEEDFINANCE's website