Creation of Financiera CALPIÁ S.A., (Today Banco Procredit de El Salvador).

Client: Deutche Gesellschaft für Internationale Zusammenarbeit, GIZ. Country: El Salvador Date: 1993-1995 Creation of a regulated financial institution, Financiera CALPIÁ S.A., and based on the Credit Service of AMPES (CrediAmpes). This professional association and its microcredit program were created in 1988 to counter the effects of the earthquake that devastated San Salvador. The Project, which…

Project for the creation of a regulated financial institution, from five NGOs specializing in credit to microenterprises

Client: Deutche Gesellschaft für Internationale Zusammenarbeit, GIZ. Country: Colombia Date: 1995-1996 The objective was to support and analyze the institutional and financial viability of the process suggested by the five WWBs in Colombia aimed at creating a regulated financial institution, as a result of the integration of their business activities. This process included: initial negotiations…

Consultancy to the BANCO CAJA SOCIAL within its process of Institutionalisation of Financial Intermediation with the Microenterprise (downscaling).

Client: Deutche Gesellschaft für Internationale Zusammenarbeit, GIZ. Country: Colombia Date: 1996-1998 Project of technical assistance in the context of the Cooperation Agreement between the governments of Colombia and Germany. The areas of intervention were: the policy and methodology of financial intermediation; the marketing with all its functions (commercial proposal, market research, mobilisation of savings, competition,…

Analysis of the level of Institutional Sustainability of the Financiera CALPIÁ S.A. And preparation of the exit of the MIF of its shareholders.

Client: Inter-American Development Bank (IDB) Multilateral Investment Fund (MIF) Country: El Salvador Date: 1997-1998 Preparation of the exit of the MIF from the capital of the Financiera CALPIÁ, S.A. The project included an Analysis of the level of Institutional Sustainability reached by the Financiera in the context of the objectives determined with the participation of…

Institutional counseling to FINDE.

Client: German Agency for Technical Cooperation, GTZ Country: Nicaragua Date: 1998 Support in the definition and institutional and strategic and market orientation of the Fund of the Nicaraguan Institute of Development, FINDE, created by the GTZ for credit intermediation with the micro and small Nicaraguan companies. The objective was to plan the transformation of FINDE…

Representation of the IDB / MIF in the Board of Directors of BANGENTE, S.A

Client: Inter-American Development Bank (IDB) Multilateral Investment Fund (MIF) Country: Venezuela Date: 1999 The IDB/MIF contrated a Armando Muriel as Independent Director in the Board of Directors of BANGENTE, S.A., private bank specialised in the microenterprise, and of which the MIF is shareholder with other multilateral organisations such as the Corporación Andina de Fomento, CAF,…

Design of the II Phase of the Program to Support the Expansion of Financial Services to the Microenterprise of the Rural Sector.

Client: United Nations Development Program, UNDP. Country: Nicaragua Date: 1999 Conception of a development plan of the Program to Support the Expansion of Financial Services for Microenterprise in the Rural Sector, based on a previous evaluation and a diagnostic analysis carried out in the context of the project. This plan contemplated proposals for the creation…