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Name: Stefan Staschen
Profession: Economist / Microfinance
Expert
PhD
Candidate at the
London School of Economics
and Political Science (LSE),
Development Studies
Institute (DESTIN)
Offices: P. O. Box 25194
00603
Nairobi
Kenya
+254 720 988418
Quitzowstr. 122
10559 Berlin
Germany
+49 176 48830222
Email stefan@ifsonline.biz
Web http://www.ifsonline.biz
Nationality: German
Residence: Kenya and Germany
Key Qualifications:
Stefan Staschen is an economist
specialising in financial system development. He is
a leading expert on developing regulatory frameworks
for microfinance institutions (MFIs). He has undertaken
extensive studies of legal frameworks for microfinance
in a number of countries (Bolivia, Bosnia-Herzegovina, China, Egypt, Ethiopia, Ghana, Honduras, Indonesia, India, Kenya, Kyrgyz Republic, Nepal, Pakistan, South
Africa,
Uganda, and Zimbabwe). His work has also focused on the transformation
of NGOs into regulated financial institutions, ownership
and governance issues of MFIs and on savings and credit
cooperatives (Kenya, Nepal, Uganda, Zimbabwe,).
As long-term expert in Uganda, Mr Staschen has provided advice to the Central Bank of Uganda in the years 2001/2 and again, on a part-time basis, in 2005.
Among others, he has worked on the design and implementation
of a new regulatory framework for Microfinance Deposit-Taking
Institutions (MDIs), transformation of NGOs into MDIs,
supervision of MDIs, and credit reference services.
A continuous effort is to find effective ways for regulating
non deposit-taking MFIs and credit co-operatives in
Uganda.
As a member of the consultant
pool of Women’s World Banking (WWB), Mr Staschen has
periodically worked for WWB’s Regional Teams and its
Policy Team. Since early 2006, he works regularly as
a consultant for CGAP’s Policy and Technology Teams.
In addition, he has provided
training to various stakeholders including participants
of the Microfinance Training Programme in Boulder, Colorado. Mr
Staschen has been invited as a speaker or discussant
to a number of conferences such as recently to the Microfinance
Leaders Meeting in Berlin (2005), the African Microfinance
Conference in Cape Town (2005), the Second NIS Policy
Forum on Microfinance Law and Regulation of the Microfinance
Centre for CEE & NIS in Krakow (2003), the USAID/WOCCU
Conference ‘Paving the Way Forward for Rural Finance’
in Washington/DC (2003), and the Annual Conference of
the Africa Microfinance Network (AFMIN) in Gambia (2003).
Working for the German government
development agency GTZ, he has gained valuable experience
in designing, co-ordinating and implementing projects
in the financial sector.
Mr Staschen also has a strong
academic background and is up to date to latest developments
in research in the area of inclusive financial services
in developing and transition countries. He is currently
writing up his PhD thesis on the regulation and supervision
of microfinance institutions at the London School of
Economics.
Academic
Education:
Since 10/2001
London School of Economics and Political Science,
London (United Kingdom): Part-time student for a PhD
in Development Studies; Working Title: ‘The New Legal
Framework for Microfinance Deposit-Taking Institutions
in Uganda: Analysis of the Design and the Implementation
of a Risk-Based Approach to Microfinance Regulation‘
1998
Free University of Berlin, Berlin (Germany):
MSc Economics (with distinction); Dissertation: ‘Regulation
and Supervision of Microfinance Institutions in South
Africa’
1995-1996
University of Warwick, Coventry (United
Kingdom): Studies in Development Economics and Political
Science
Employment Record:
Since November 2001: Independent Consultant
Desk Study (02/2006-06/2006,
CGAP): Lead Consultant for a Study on the Use of Agents
in Branchless Distribution of Financial Services for
the Poor
Main Tasks:
• Research on agent-assisted
branchless distribution models in Brazil, South Africa,
Kenya, the Philippines and India.
• Coordination of
research inputs by the consultant team under the guidance
of CGAP staff
• Member of the
drafting team for a CGAP publication on this topic
• Participation
and presentation of research on behalf of CGAP at workshops
on mobile banking in Kenya and South Africa
Ethiopia (11/2005,
GTZ): Assisting GTZ and the National Bank of Ethiopia
(the Central Bank) with the Development of a Road Map
for a Microfinance Strategy for Ethiopia
Uganda (01/2005-08/2005,
GTZ): Programme Consultant for the GTZ/Sida Financial
System Development Programme (part-time)
Main
Tasks:
• Assisting Bank
of Uganda (the central bank) in building capacity for
the supervision of Microfinance Deposit-Taking Institutions
(MDIs)
• Member of a multi-stakeholder
working group on the regulation of “Tier IV” institutions
(credit-only MFIs, Savings and Credit Cooperatives,
informal MFIs)
• Developing proposals
for conduct of business regulation
• Assisting Bank
of Uganda with the implementation of a credit reference
system for banks and MDIs
Kenya (05/2004 and 08/2005,
East African Technical Assistance Center, International
Monetary Fund, Washington, DC/USA): Assistance to the
Central Bank of Kenya in Developing Prudential Regulations
for Deposit-taking Microfinance Institutions
China (11/2004,
GTZ): Policy Advice to the People’s Bank of China
(central bank) to Promote Microcredit Institutions
Tasks:
• Analysis of the
legal framework for microfinance in China
• Drafting of a
policy paper on options for a legal framework for microcredit
institutions
• Presentation of
the results to the People’s Bank and other stakeholders
in a workshop
Egypt (09/2004-04/2005,
GTZ): Legal Support to the UNDP, USAID, KfW Project
‘Building a National Strategy for Microfinance in Egypt’
Tasks:
• Technical presentation
to the Steering Committee of the project on legal/regulatory
reform issues as they pertain to the microfinance sector
in Egypt
• Presentation at
a round table with participation of all stakeholders
• Accompanied group
of Egyptian stakeholders as resource person on exposure
visits to Uganda (March 2005) and South Africa (April
2005)
Kenya (09/2004,
Women’s World Banking, New York/USA): Transformation
Advice to Kenya Women’s
Finance Trust (KWFT)
Tasks:
• Assess legal options
for KWFT with specific focus on the upcoming Microfinance
Act
• Conduct a workshop
together with staff from WWB on transformation issues
Zimbabwe (12/2003,
Women’s World Banking, New York/USA): Assistance to
Women Development Savings and Credit Union (WDSCU),
WWB Affiliate in Formation
Tasks:
• Assess legal options
for WDSCU, especially the appropriateness of the current
legal form in comparison to alternatives
• Conduct a gap
analysis of WDSCU institutional and financial performance
in relation to the legislation for cooperatives
The Gambia
(12/2003, German Technical Cooperation, Eschborn/Germany):
Participation on Behalf of GTZ in the Annual Conference
of the Africa Microfinance
Network (AFMIN): The Microfinance Landscape in Africa,
in Banjul
Tasks:
• Plenary presentation
on ‘Establishing governance and prudential norms for
microfinance’
India (10/2003,
GTZ): Study on the Current Discussion about Legal Issues
for Microfinance Providers in India
Tasks:
• Consult with major
stakeholders in the microfinance sector in India
• Hold stakeholder
workshop to discuss observations
• Summarise results
in a report published as GTZ paper (see publications
list)
Uganda (08/2003,
WWB): Transformation Advice to Uganda Women’s Finance
Trust Ltd. (UWFT)
Tasks:
• As a member of
a WWB team, conduct a workshop on the implications of
the Microfinance Deposit-Taking Institutions Act on
the capital and governance structure and financial management
of UWFT
• Assist other team
members with presentations on Employee Stock Ownership
Plans and investor identification issues
Uganda (02/2003
– 04/2003, GTZ/Association of Microfinance Institutions
of Uganda): Study on the
Possibilities for Self-Regulation of Non Deposit-Taking
MFIs and Credit Co-operatives
Tasks:
• Compile and study
different laws under which tier four institutions are
operating and identify weaknesses in relation to microfinance
business
• Propose ways and
mechanisms through which these weaknesses can be overcome
• Draft legal amendments
to existing laws
• Propose mechanisms
through which these laws can be enforced
Research (10/2002 – 04/2003,
GTZ): Compendium of Quantitative and Qualitative Requirements
for the Prudential Regulation of MFIs
Tasks:
• Comprehensive
review of existing laws and regulations for microfinance
institutions in eleven developing and transition countries
in Africa, Central and Eastern Europe, Latin America
and Asia
• Compile quantitative
and qualitative requirements for the prudential regulation
of MFIs
• Analyse material
on the basis of other relevant literature/material
• Publish the results
as GTZ paper (see publications list)
Research (2002/2003, WWB): Development
of a Toolkit for the Assessment of Regulatory Environments
for Microfinance Institutions
Tasks:
• Developed (together
with WWB) a ‘Process and Content Guide’ to analyse the
environment for microfinance institutions in a selected
country
Uganda (01/2002
– 02/2002, GTZ): Advice to Financial System Development
Project, GTZ / Bank of Uganda
on Benchmarks for Off-Site Surveillance
Tasks:
• Finalised the
supervisory framework for Microfinance Deposit-Taking
Institutions (MDIs) in close co-operation with the local
counterpart (Internal Project Team for Microfinance
Supervision in Bank of Uganda)
• Advised Bank of
Uganda on appropriate benchmarks for the off-site surveillance
of MDIs
• Prepared and carried
out a consultation workshop on these benchmarks with
Bank of Uganda and staff of potential MDIs
• Prepared final
report on supervisory framework and benchmarks for Bank
of Uganda
Until October 2001: Employed at German Technical
Co-operation (GTZ) GmbH
Uganda (11/1999
– 10/2001, GTZ): Advisor to Bank of Uganda
on Financial System Development
Tasks:
• Provided assistance
to Bank of Uganda (central bank) in setting up a specific
regulatory framework for ‘Microfinance Deposit-Taking
Institutions’ (MDIs): Formulation of microfinance policy,
MDI law and regulations, definition of regulatory requirements
and benchmarks, training of staff
• Advised Uganda
Institute of Bankers (local bank training institute)
in establishing microfinance training department, curricula
development and training of trainers
• Design, implementation,
monitoring and steering of GTZ-supported project
• Involved in donor
co-ordination and extensive consultation processes with
main stakeholders in the sector
Nepal (11/2000
– 12/2000, GTZ): Short-term Consultant in Agricultural
Development Bank of Nepal
(ADBN)/GTZ ‘Small Farmer Development Programme’
Tasks:
• Assessed financial
technology of Small Farmer Co-operatives Ltd. (SFCLs)
and recommended measures for future development
• Presented results
to stakeholders in the sector
Germany (10/1998
– 08/1999, GTZ, Eschborn): Long-term Expert in Policy
Advisory Project ‘Market-based Financial System Development’
Tasks:
• Developed funding
strategies for microfinance institutions (particularly
savings mobilisation and refinance via wholesale financial
institutions)
• Assessed experiences
with linkage banking concept
• Evaluated regulatory
approaches for microfinance institutions
• Facilitated knowledge
management among GTZ financial system projects and Headquarters
South Africa (03/1998
– 05/1998, GTZ): Short-term Consultant
Tasks:
• Case study on
behalf of GTZ project ‘Market-based Financial System
Development’ on regulation and supervision of microfinance
institutions in South Africa
Germany (12/1997
– 02/1998, GTZ, Eschborn): Assistant in Division ‘Financial
System Development and Banking Services’
Tasks:
• Revised and edited
various case studies and a comparative analysis on savings
mobilisation strategies for a GTZ/CGAP publication on
savings mobilisation
• Desk study on
regulation and supervision of microfinance institutions
Other Relevant
Experience:
USA (07/2001 – 08/2001, Boulder/Colorado):
Faculty Member of Microfinance Training Program, Naropa
University
• Appointed as co-trainer
for Elective Course on ‘Microfinance and Financial Systems
Development’
USA (04/2001 –
05/2001, Washington DC):
Secondment to CGAP Secretariat (Consultative Group to
Assist the Poorest), The World Bank
• Facilitated and
moderated virtual conference on Donor Guidelines for
Regulation and Supervision of Microfinance
• Assigned as Technical
Expert for regulation and supervision in Consultative
Group Meeting
Publications:
Staschen, Stefan,
and B R Bhattacharjee. 2004. Emerging Scenarios
for Microfinance Regulation in India:
Some Observations from the Field. Eschborn:
GTZ. (Download)
Staschen, Stefan.
2003a. Regulatory Requirements for Microfinance:
A Comparison of Legal Frameworks in 11 Countries Worldwide.
Eschborn: GTZ. (Download)
Staschen, Stefan
(with contributions from Michael Akampurira). 2003b.
Possible Mechanisms to Regulate Tier 4 MFIs
in Uganda, FSD Series No. 11.
Kampala, Uganda: Financial Systems Development (FSD)
Programme. (Download)
Staschen,
Stefan. 2001. Financial Technology of Small
Farmer Co-operatives Ltd. (SFCLs): Products and Innovations.
Rural Finance Nepal (RUFIN), Working Paper No. 2, Kathmandu
(also published as IFAD Rural Finance Working Paper
No. C 5, Rome). (Download)
Staschen, Stefan.
1999. Regulation and Supervision of Microfinance
Institutions: State of Knowledge.
Eschborn: GTZ. (Download)
Staschen,
Stefan. 1999. Regulation and Supervision
of Microfinance Institutions in South
Africa. Eschborn: GTZ. (Download)
Languages:
|
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Speaking |
Reading |
Writing
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English
|
Excellent
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Excellent
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Excellent
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German
|
Mother
tongue |
Mother
Tongue |
Mother
Tongue |
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French
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Medium
|
Good
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Medium
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Last updated:
August 2006
