EXPERIENCE IN PROFESSIONAL SERVICES FOR SELECTED CLIENTS

Period

Organization

Nature of assignment, services rendered and experience

1986 -2010

Professional Assistance for Development Action.

National level premier NGO on rural development

Audit, accounting system design and computer software development and installation, structuring of Community based organizations, taxation exemption and law compliance services.

Legal structuring and accounting system design for micro finance groups

Examination and advice on structure, accounting and other legal issues

1988

onwards

Deepalaya,

NGO supporting slum children at Delhi

Audit, accounting system design and computer software development and installation, structuring of Community based organizations, tax exemption and compliance services

1992

to 1996

Vikasoko Development Exchange

US based NGO on developmental studies registered under 501(1c) of the Internal Revenue Code

Audit, accounting system design

1994

Ford Foundation, New Delhi

International Development Organization

Study Team member to Far East Micro Financial Institutions at Bangladesh and Indonesia, appraisal of SEWA Bank, an urban cooperative bank at Ahmedabad.

1995

INDNET

Association of Grameen Bank replication based micro finance institutions

Formation trust for network of Micro finance organization following Grameen Bank methodology

1995-96

Sarva Jana Seva Kosh Ltd,

A NBFC working for village level trusts

Study team member on its financial performance and advice on legal compliance

1995

SEWA Bank

A co-operative bank for poor women at Gujarat

Study team member on development of future vision and mission

1995-96

USAID, through Abt Associates, USA

under the NHB assisted program

Consultant and presented papers on Legal issues on community based organizations in several workshops conducted by it.

1994-96

INDIAN GRAMEEN SERVICES &

BASIX group of companies

Conceptualization, legal structuring services, capital introduction model design and related formation studies and services

1997

onwards

INDIAN GRAMEEN SERVICES

BHARTIYA SAMRUDDHI FINANCE LTD

BASICS LTD.

The Livelihood School

BASIX Consulting and Training Services Ltd.

BASIX Sub K I transactions Ltd.

BASIX Agri Services Ltd.

Other organization in the group

Micro Finance Institution, operating in Andhra Pradesh and Karnataka

 

Presently as audit and accounting system design services and tax compliance services

2003 onwards

KRISHNA BHIMA SAMRUDDHI OCAL AREA BANK LIMITED

   Audit and other assurance services,

1996

 

 

 

1994

Appropriate Technology International, USA

International Development Agency working in promotion appropriate technology in rural areas

   Study on structuring of Community Owned Production Enterprises in Garhwal region in Himalayas for Livelihood Promotion programs on Honey collection and Oak Tree Tasar cultivation

   Audit services of funding to its partner SOTEC

1994 onwards

SEVA MANDIR Udaipur

Accounting system design, internal control, internal audit and mentoring services

Member of Governing Council, as Financial Advisor (2001 onwards)

1996

onwards

CASHPOR Financial and Technical Service P Ltd.

Grameen Bank Replication at Mirzapur, Easter UP

Mirzapur Mutual Benefit Savings Trust

Formation, Company structuring, ECB loan contracts, RBI approvals, Accounting system design, audit, taxation and company law services, Services for capital induction through FIPB permissions

Community Managed Mutual Benefit Trust, formation, creation of byelaws as a supplementary activity to the Non Banking Finance Company.

1996 -onwards

 

1.   Indo Swiss Project Sikkim,

2.   ISPS Trust

3.   Sikkim Dairy Products Private Limited

(Organizations for livelihood promotion in the high hills of Himalayas

Structuring of Cheese production unit through participation of Govt. Sikkim, Swiss Agency for Development and Cooperation and Milk Producers Cooperative Unions.

Other legal, FCRA approvals, accounting and audit services

Besides marketing of the product in upcountry market. Advice and implementation of marketing strategy.

Consultant to ISPS and Inter-cooperation of Switzerland on India initiatives at Sikkim

1996-

Swiss Agency for Development and Cooperation –

International developmental institution

As consultant on various studies on development initiative structures, legal issues including FCRA, corporate structuring, funding propositions and on several matters on continuos basis.

1997

onwards

1.Children of Sikkim Foundation, Switzerland and

2. Human Development Foundation of Sikkim

Dedicated to the rehabilitation of children in Sikkim

   Legal and structural advises for establishment of local service organization in India.

   Trust Formation, FCRA and other legal services, audit and accounting system design services

1998

Indo Swiss Vocational Training Trust, Pune

Vocational Training to industrial worker in the meeting challenges of competition and technology upgradation

Conceptual services including legal structures, formation, trust deed, bye laws, accounting system design, legal sanctions (FCRA, trust acts, income tax etc.), software implementation

1998-99

Pathfinder International USA

A premier agency working in women reproduction related health services all over the world

Services on setting up liaison office in India, Local trust formation, other legal clearances under FCRA, RBI regulations, Income tax etc.

1988 - 2000

1.     Consumer Coordination Council

2.     South Asian Fund Raising Group

3.     Social Action project of Mar Thoma Church

4.     Guru Nanak Fifth Centenary Schools,

5.     Dakshinayan,

Society / Trust formation, legal- FCRA, audit, accounting system design, computer software implementation and taxation services

1998

onwards

Sharmik Bharti, Kanpur

A micro finance institution and voluntary services on health and education

Restructuring advises, MFI formation and other trust formation, legal, accounting system design and audit services

1998

SHARE, Hyderabad

SHARE MICROFIN LIMITED

Grameen Bank Methodology based Micro Financial Institution

As consultant for restructuring of institutional framework to meet the India regulations on financial services and taxation services. Advice to structure as a Non Banking Financial Company and related RBI formalities.

1998 onwards

Activists for Social Action, Trichy, Tamil Nadu and

VIDIYAL

Grameen Bank Methodology based Micro finance Institution

CORE and SEL Public Limited Companies

As consultant for Accounting system design, computer software implementation for NGO and micro finance activities and ECB loan contracts and RBI approval services

ECB sevices

Restructuring of Micro finance operations into formal legal entities

Providing support for transition management.

1998 - onwards

National Tree Growers Project,

National Tree Growers Cooperative Federation Ltd.

Foundation for Ecological Security

under the National Dairy Development Board, Anand

Study of bilateral fund (from SIDA and CIDA) deployment and related legal services under FCRA and tax laws.

 

Accounting system, design of financial statements and other legal services, tax audit, tax return filing and tax advisors.

1998 onwards

CARE INDIA –CASCHE PROJECT CARE ANDRAPRADESH

CARE WEST BENGAL

CARE ORISSA

System and software design for Micro Finance groups in Jharkhand

Legal structuring for Micro finance activities and institution of Revolving Fund

System and software design for Micro Finance groups at Chevella.

Design of Micro Finance institutions – of CARE partners

1992

SAVE THE CHILDREN FUND, UK

India office

Accounting system design, software implementation

1999 onwards

FOSTER PARENTS PLAN INTERNATIONAL

India Country Office

 Grant audit and management review of grant administration of selected partners.

 Audit of their partner NGOs,

URMUL Trust,

SAMARTH PLAN

 Conducting workshop on Community Based Organizations, SHGs and MFIs

1999

AGASTIYA INTERNATIONAL FOUNDATION

A Teacher Training Institution, School following the principles of J.Krishnamurthy Foundation schools

Institutional structuring for foreign developmental funding of about $10 million

1999 onwards

Swayam Krishi Sangam, SKS Micro Finance Ltd.

SKS Advisors Private Limited

SKS Mutual Benefit  Trusts

Andhra Pradesh

Grameen bank replication and health, education services in rural areas of Andhra Pradesh

Audit, legal services, MFI formation, Accounting system design and computer software implementation for NGO services and MFI, structuring of foreign development fund into equity in the MFI

1987

onwards

1.     Save the Children Fund, UK

2.     Foundation to Industrial Recovery, New Delhi

3.     All India Association for Christian Education, New Delhi

4.     Appropriate Technology India, Ahmedabad

5.     Society for Appropriate Technology, Bareily

6.     Arokya Agam, Tamil Nadu

7.     Reaching for the Unreached, Tamil Nadu

8.     Vaigai Vattara Kalanjiam, Madurai

9.     And Five other Federations of Self Help Groups in Tamil Nadu

10.   Ganeshji Mandir, New Delhi

11.   ISPS Trust, Sikkim,

12.   Participatory Research in Asia, New Delhi

13.   Human Development Foundation of Sikkim,

14.   Association for Voluntary Agencies in Rural Development, Delhi,

15.   Gandhi Peace Centre, Delhi, Hyderabad

16.   Mobile Crèches, New Delhi

17.   URMUL Trust and its affiliated several trust and societies

18.   DHAN Foundation, Madurai

And several other NGOs in India

Gram Vikas, Orissa

 

Computer based accounting system design and development of Management Information Reports for effective financial and project management.

Computer software implementation and

Training on accounting and project finance management

1999 onwards

1.     All India Association for Microenterprise Development

2.     Opportunity International

India Chapter

Advice on micro finance legal issues and software and system design for Micro finance groups / Self Help groups.

Resource persons for various Micro finance issues /workshops

Audit and assurance of the Association itself along with advice on matters relating to Foreign Contributions Regulations Act

1998 Onwards

Friends of World Women Banking, Ahmedabad

Training capsules, consulting services on Micro finance,

Restructuring of MFI accounting and operations. Development of Accounting system, Internal Control and Internal Audit

1998 onwards

CASHPOR TRUST

A trust for support and development of Micro Finance Institutions in India

Formation and Trustee ship services

2000 onwards

GRAMEEN FOUNDATION USA

Ongoing consultancy on Micro Finance legal issues particularly relating to India matters,

2001

Oikocredit, Netherlands

Manaveeya Holdings and Investment Private Limited

Legal and financial Structuring their India Rupee Fund (US$ 5 Million), for micro finance and development finance FIPB clearances, company formation etc.

2001

AGRINET SOULTIONS LTD.

KISAN INDIA FOUNDATION

KISAN INDIA CLUBS

Formation of sec. 25 Company and Kisan India User Groups, Legal structuring matters

2001

SARVODYA NANO FINANCE LTD

ASSEFA, Chennai

SARVODYA MUTUAL BENEFIT TRUSTS

Micro finance federating structure with NBFC as apex body.  Tier I and Tier II structures created through Community based mutual benefit trusts and Self Help Groups. – Legal and Financial Structuring including “capital uploading” fro micro finance activities

2001

KESLA POULTRY SAMITY

Structuring of a Mutually Aided Cooperative Society for the beneficiaries in a Livelihood Promotion Program

2001

RASHTRIYA GRAMIN VIKAS NIDHI, GAWHATI

Review of their Micro Finance program called “Savings and Credit Program” at ORISSA for restructuring and possible spin off as NBFC

2001

Small Industrial Development Bank of India and SMFC

Development of Accounting Standards, Manual and Policies with Common Chart of Accounts for Micro finance Institutions in India.

Conduct of Training to Auditors under the CGAP = World Bank on Micro Finance Institutions.

2002

PLANET FINANCE

Advise on FCRA matters, legal structuring of funds to India and to micro finance groups, presentations in their seminar on IT awareness to MFIs

2002

Earth Rise International

NGO formation, FCRA clearance, audit and assurance support

2004

North South Foundation

USA Based Foundation setting of local trust for scholarship to higher studies to poor students in India.

2004

Bellwether Fund / Caspian Advisors Private Limited

Legal and structural services, accounting and audit services for setting up US$ 10 Million fund in India for micro finance institutions.

2004

Christian Children Fund

Advice and consulting for institution of Livelihood Program / Funds through Micro finance activities.

2002 onwards

Institute for Motivation of Self Employment,

Swaniwar,

Shree Mahila Samity, and

Village Welfare Society

At West Bengal

Restructuring of Microfinance operations into formal entities and transition management.

 

Software support services

2004

Society for Promotion of Wasteland Development

Accounting manual preparation, restructuring of accounting system etc.

2003

SMILE Limited, Chennai

Restructuring of Micro Finance Operations, transition management and transformation services. NBFC Services including licensing,

2003

Mahasemam Trust, Madurai

Another MFI in making, complete support

2002

SPANDANA, Guntur Andhra Pradesh

Assistance in transition and transformation management of these micro finance institutions into formal financial institutions, as a Non Banking Finance Company. Including securing NBFC license in INdia

2002

ACTIVISTS FOR SOCIAL ALTERNATIVES, Trichy

2002

LEAD, Trichy, Tamil Nadu

2005 -2012

Shore Cap Exchange, USA

Shore Bank International USA

Consulting to Partners organization in Cambodia ( Cambodian Entrepreneur Building Limited)  for structuring of Finance, Internal Control & Internal  audit function.

 

 

Consulting to Partner Organization in India (Bhartiya Samruddhi Finance Limited) for Structuring Internal Control and Internal Audit Function.

Consulting for Collaboration agreement Financial Inclusion services

 

 

 

2006 onwards

1.     Grameen Koota,

2.     Bhartiya Swamukti Samsthe,

3.     Sharada’s Women’s Association for Weaker Section,

4.     KRUSHI,

5.     ACTS,

6.     Sadhana Microfin,

7.     AWARE,

8.     LEAD, SANGAMAM MULTIPURPOSE WOMEN COOPERATIVE

9.     CREED, Tamil Nadu

10.   ESAF Microfinance Limited.

11.   Hope Micro credit, Palakkad

12.   Grameen Financial Services P Ltd., Bangalore

13.   Initiatives for Development Foundation, Bangalore

14.   RORES MED Trust, Kolar

15.   AJIWIKA, Deogarh,

 

Other Micro Finance Institutions to whom structuring support, transformation and transition management is provided, including support to several Start Up MFIs in their growth ambitions.

 

 

2008-2013

Other Micro finance company audits and consulting services,

1.  Saija Finance P Ltd. Patna,

2.  Ujjivan Financial Services – Internal audit of all the Regions and Head office, at Bangalore

3.  MFIN - A network and association of MFIs in India.

4.  Institution of Small Micro Entrepreneur Financial Facility at Nagaland, 

 

2007 -2013

International Consulting support for legal and financial structuring:

1.  Opportunity International Australia (USD 100M Fund for micro finance)

2.  Shore Bank International - Bill Gates Melinda Foundation for Collaboration for Financial Inclusion with BASIX Sub K

3.  Social Microfinance Foundation, Netherlands - Technical Assistance to IDF in structuring systems, accounting and procedures.

4.  Transfer of Business from BASICS Ltd to several companies viz.  Sub K, Krishi, Consulting etc. through valuation and capitalisation and audit and tax services also

 

2012

Consultation and transformation support services at East Timor, for

Kaebauk Investimenus no Finansas ,SA

Tuba Rai Metin,  Timore Leste

 

2016 onwards

Humana Group of Entities on Miro finance – Accounting, audit and structuring.

Magencta Financial Services P Ltd.  NBFC license, accounting and audit, FDI investment consultation.

 

ATG Group of institutions, Trust, Micro finance Company – Audit, accounting and structuring advice.

 

Tibet Finance Fund

Organising, structuring  lending program, capital infusion from FDIs, NBFC License, accounting and MIS support through on line software and

 

Other Bank and Govt. Audits handled

Reserve Bank of India, Punjab National Bank, Syndicate Bank and New India Assurance and Oriental Insurance Company, Bank of India,

 

Trainings, workshops

 

 

Several training and workshops

For NGOs, Development Institutions

 

International Training Under Consultative Group to Assist the Poorest, World Bank,

For Auditors of Micro Finance Institutions conducted with the support of SIBDI to their partners  - Sep 2003

 

Training to Internal auditors of BASIX Group of Companies

Every year since 2000

 

Yearly Training to the Partner and auditors of Micro Finance Institutions of Friends of Women Wold Banking

Every Years since 2000 – so far seven held

 

AWARDS:

Best Transparency award for presenting Micro finance institutions, under CGAP for several MFIs during 2000.