Contact the Sustainable Microenterprise and Development Program

E-mail: smdp.info@unh.edu
(603) 862-0764
Fax: (603) 862-3878

The Carsey Institute at the University of New Hampshire
Huddleston Hall
73 Main Street
Durham, NH 03824

Sustainable Microenterprise and Development Program - New Hampshire Certificate


Malcolm Harper was educated at Oxford University, the Harvard Business School, and the University of Nairobi. He worked for nine years in a medium-sized household hardware manufacturing business in England, mainly in marketing. He then taught in Nairobi, from 1970 to 1974, before coming to Cranfield School of Management, where he was Professor of Enterprise Development. Since 1995, he has worked independently, mainly in India. He has published some twenty books and numerous articles on various aspects of self-employment, enterprise development, and micro-finance. His research and consultancy work has been supported by a wide range of national, international, and non-government development agencies.


He has advised and evaluated a number of enterprise development and micro-finance programmes and institutions in India and in East and West Africa, Latin America and the Caribbean, the Middle East and Gulf area, South and South East Asia, as well as in the United Kingdom. He is Chairman of Basix Finance of Hyderabad, a leading ‘new generation’ micro-finance institution, and a Director of M-CRIL of New Delhi, the pioneer of micro-finance credit rating in Asia. He was also the founding Editor-in-chief of the journal Small Enterprise Development, and is a director and trustee of a number of other institutions, including, EDA (UK) Limited, APT Enterprise Development and Intermediate Technology Publications in the United Kingdom.

William (Bill) Maddocks is the coordinator of the Sustainable Microenterprise and Development Program at the University of New Hampshire’s Carsey Institute. Bill holds a master's degree in community economic development from New Hampshire College and a bachelor's degree from Southeastern Massachusetts University. For seven years, he was the director of the Microenterprise and Development Institute at the School of Community Economic Development at Southern New Hampshire University (SNHU) and operated training workshops in New Hampshire, New Hampshire, Tanzania, and South Africa. He also taught organizational management and microenterprise development at SNHU.


Bill is the past executive director and cofounder of the Community Economic Development Center of Southeastern Massachusetts; affiliate coordinator for Working Capital peer microlending program; and director of development and energy conservation for People Acting in Community Endeavors in New Bedford, Massachusetts. Bill has been an activist in peace, civil rights, environmental justice, anti-war, and labor movement struggles for more than thirty years and has served in a number of capacities, including as a board member on human service, social justice, economic development, grassroots, philanthropic, and public health–related organizations. He is a trainer and facilitator who has worked for diverse clients, including the towns of Hooksett, New Hampshire, and Peacedale, Rhode Island; Northern Essex Community College Community Institute for Business Education in Massachusetts; the National Community Development Credit Union Federation; the Indiana Community Action Association; and the U.S. Department of Health and Human Services Office of Refugee Resettlement.

Candace Nelson is an accomplished writer, trainer, curriculum designer, researcher and grants manager. In recent years she has pursued two passions -- savings groups and financial education. As Senior Advisor to Microfinance Opportunities and its financial education program since 2004, she has written multiple curriculum modules including Young People: Your Future, Your Money and Risk Management and Insurance: Protect Your Family’s Future, trained trainers in French and Spanish, and outlined national strategies for financial education. Finally bringing together her two interests, she designed financial education curriculum for youth savings groups in Burundi. In 2009 and 2010, she carried out case study research for the Aga Khan Foundation in Tanzania and Uganda on using SGs as platforms for other development activities. In addition, Ms. Nelson coordinates the Savings-led Financial Services Working Group at the SEEP Network. From 1999 – 2006, she developed and managed a grant program supporting economic empowerment for women in East Africa on behalf of the McKnight Foundation. During this period, McKnight was an early funder of innovative savings-led and microinsurance programs in Uganda and Tanzania. She has B.A. in History from Smith College and an M.S. in Rural Sociology from the University of Wisconsin. She resides in Concord, MA.

Guest Speakers

Jeffrey Ashe, Independent Savings Group Consultant

Jeff is an independent savings groups consultant and was the founder of Saving for Change (SfC) at Oxfam America, which has grown, to 570,000 Savings Group members in Mali, Senegal, Cambodia, El Salvador and Guatemala. SfC is designed based on research he carried out in Nepal, India and Zimbabwe. Jeff previously founded and led Working Capital which was for a time the largest microfinance institution in the USA and has consulted to microfinance projects in more than 30 countries. While at Acción International he directed the PISCES studies, the first worldwide study of microfinance and through that study introduced group lending to Acción in 1981 marking the start of the ramp up of Acción’s work in this field. As a Peace Corps Volunteer in the 1960s he developed the Campesino Leadership Training program where PCVs and liberation theology priests and nuns helped insure that those who tilled the land received their just share. He also teaches microfinance at Columbia and Brandeis Universities.

Paul Bradley, president ROC USA

Paul Bradley is the founding president of ROC USA, LLC, a social venture which aims to makes resident ownership of manufactured home communities viable nationwide. He previously served as vice president for the New Hampshire Community Loan Fund – starting there in 1988 – and led the achievement of 20 percent market share, preserving 5,000 affordable homes.


Launched in May of 2008, the non-profit social venture ROC USA® operates in 23 states through ROC USA Network, a formal network of certified technical assistance providers and with financing products from ROC USA Capital. Through March of 2014, ROC USA Network has helped 61 co-ops preserve 3,845 homes and leverage over $145 million in purchase financing. ROC USA Capital, a CDFI, has financed 28 of these co-ops with $77 million in first mortgage financing.

Paul received his bachelor’s degree in economics in 1986 from the University of New Hampshire. In 2007, he graduated from NeighborWorks® America’s Achieving Excellence Program, an executive training program offered through Harvard University’s Kennedy School of Government. In 2011, Paul was named an Ashoka Fellow in 2011 and the Social Innovator of the Year by the Carsey Institute at the University of New Hampshire in 2013.

Daryl Collins, Bankable Frontier Associates

Daryl Collins is co-author of Portfolios of the Poor and Director at Bankable Frontier Associates, a niche consulting practice in Boston (see www.bankablefrontier.com). She was the principal investigator of the South African Financial Diaries, the results of which can be found on www.financialdiaries.com. She is now leading the research efforts at Bankable Frontiers, building on an expertise in the demand-side dynamics of development finance. She is currently overseeing Financial Diaries studies in Kenya, India, Mexico, South Africa and advising the U.S. Financial Diaries.


Daryl began her career as an emerging market economist at a New York investment bank before moving to South Africa in the late 1990’s. She ultimately joined the finance faculty of the University of Cape Town, where she leveraged a successful career in portfolio management into research on the financial behavior of the poor. She has published extensively on financial market behavior in developing countries. Daryl holds a B.Sc. and an M.Sc. in economics from the London School of Economics and a Ph.D. from New York University.

Daryl and her husband, Brian Talbot, live in the Boston area with their daughter, Isabella.

Marilinne Cooper, Women’s Rural Entrepreneurship Network

Marilinne Cooper, Executive Director, was the president of WREN's board of directors from 2000-2005, during which time she was a participant in the Women’s Self-Employment Project’s Fusion Management collaborative. A graduate of the Institute of Nonprofit Management, she brings directing, managerial, and marketing skills from her former employment in the corporate world. As the current director of WREN, she has refocused the organization's attention and energy on entrepreneurial training, engineering WREN's Bethlehem expansion project which included a farmers' market, a second facility for offices and incubator business spaces, as well as the launching of WREN’s successful Berlin Market and downtown office.

Dorn Cox, Executive Director, Green Start

In addition to being the director for GreenStart, Dorn is also a farmer working the 250-acre family farm in Lee. He has designed and constructed systems for small-scale grain and oil seeds processing and biofuel production, worked to select effective cover crops, grains and oilseed for food and energy production, and has developed no-till and low-till equipment to reduce energy use and increase soil health in New Hampshire conditions.


Dorn is also the chair of the Town of Lee Energy Committee and a founding member of Farm Hack, the New England Farmers' Union, the Great Bay Grain Cooperative, the Oyster River Biofuel Initiative, and he serves as a Vice President of the New Hampshire Association of Conservation Districts. He has a B.S. from Cornell University and is a PhD candidate at the University of New Hampshire, developing agricultural research and open source systems designed to return carbon to the soil.

Megan Gash, Freedom From Hunger Research and Evaluation Specialist

Chris Keeley, Program Coordinator, Communities & Climate UNH Cooperative Extension (invited)

James Key-Wallace, NH Community Loan Fund

James Key-Wallace has placed millions of dollars of investment capital, employing a variety of structures from subordinated debt to royalty financing to hybrid structures with and without warrants. Areas of focus include capitalization strategies, financial management, marketing, and employee development.


Prior to joining VFG, James served as vice president of the Monadnock Economic Development Corporation in Keene NH, and spent three years as a marketing manager with Staff Development for Educators in Peterborough. He was also on the board of the Monadnock Area Transitional Shelter, a nonprofit dedicated to the housing and economic needs of the region's homeless population.

James earned his Business Administration and Computer Science degrees from St. Mary's University in Halifax, Nova Scotia, and his Master's of Community Economic Development from Southern New Hampshire University.

Joyce Lehman, Independent Microfinance Consultant

Joyce Lehman has been working in international economic development for the past 15 years, currently as an independent technical advisor to donor organizations that fund projects with a focus on financial inclusion. She is particularly interested in how technology, especially the ubiquitous mobile phone, can be used to provide poor people in developing countries access to convenient and affordable formal financial services. In the past few years, she has worked with the Aga Khan Foundation, the MasterCard Foundation, the United Nations Capital Development Fund, the United States Agency for International Development, and the World Bank.


From 2008 to 2012, Ms. Lehman was a Program Officer on the Financial Services for the Poor team at the Bill & Melinda Gates Foundation in Seattle. While there she managed a $100 million grant portfolio that funded projects throughout the developing world, including funding to support the establishment of national mobile payment platforms in Bangladesh and Pakistan.

Ms. Lehman began her career in international development with the Mennonite Economic Development Associates (MEDA), providing training and consulting services to microfinance institutions in more than 25 countries and serving as a faculty member at leading Microfinance Training Institutes held in the US, Europe and South Africa. From 2003 to 2007, she spent most of her time in Afghanistan working with the World Bank, USAID and other bi-lateral donors to help establish and support a microfinance sector there.

Prior to joining MEDA, Lehman was in private practice as a Certified Public Accountant. She lives in Keene, NH.

Britt Lundgren, Stonyfield Director of Organic and Sustainable Agriculture

Expert in sustainable agriculture and the environment, with an interdisciplinary background in science and policy. Working to advance the sustainability of agriculture through markets and the supply chain as well as through advocacy for state and federal policy. Extensive experience working with farmers, processors, NGOs, and policy makers.

Jan Maes

Jan specializes in microenterprise development program design, evaluation and impact assessment. Jan is working with the team to create opportunities to set up viable marketing chains involving local women’s development groups, entrepreneurs, and community-based organizations in order to build sustainable access to household energy products while creating new income opportunities. He has worked or consulted for Trickle Up, CARE, IFC, UNDP, USAID, The SEEP Network, PACT, Habitat for Humanity International, and other INGOs on livelihood promotion, microenterprise development and savings mobilization especially targeting very vulnerable or ultra-poor populations in Asia and Africa. Jan has published several articles on poverty outreach in microfinance and enterprise development, and he teaches a course on “Microfinance for the Bottom Billion” in the Sustainable Microenterprise Development Program (SMDP) at the Carsey Institute, University of New Hampshire.

Luke Mahoney, Brookford Farm

Luke started working the soil with his two big hands in 1997 in an organic vegetable garden in Pennsylvania. Next he moved to a biodynamic/organic farm in Russia for five years, followed by a two-year dairy/field internship in Germany. Since 2007, he started together with Catarina and a lot of other support, Brookford Farm, an organic diversified dairy farm in the Seacoast of New Hampshire. Now his new task is to use all his skills and learned organic methods to let new soil be made in Canterbury, New Hampshire. He is currently responsible for the management of forty dairy cows, field cropping, and overseeing financial parts and building site of the farm.

Sushmita Meka, Bankable Frontier Associates

Sushmita Meka focuses on client insights with the demand-side team at BFA. While with BFA, she has focused on the potential to bring low-income households into the formal financial system via digital channels. Prior to BFA, Sushmita supported financial inclusion impact evaluation and policy dissemination with the IFMR Centre for Micro Finance in India. She has also worked in Kenya and Zimbabwe to explore the potential for mobile payments to support the health and financial services sectors. Sushmita holds a Master in Public Policy from the Harvard Kennedy School of Government and a Bachelor of Arts in International Relations and Economics from the University of Southern California.

Rich Pelrine, Inspired International

Mr. Pelrine holds degrees from The University of Massachusetts in Anthropology and Agricultural Economics and from the Institute of Social Studies in Rural Policy and Project Planning. He completed doctoral coursework at The Ohio State University in Rural Finance and is currently a doctoral candidate at the University of Stellenbosch with the Faculty of Agricultural Economics. He has consulted for over 20 years in Africa; and has both taught and published in the fields of Rural Finance and Rural Development. Mr. Pelrine has worked as a senior technical advisor on multiple long term agribusiness finance programs in Ethiopia, Kenya, Rwanda, Tanzania and Uganda and has consulted directly with financial institutions on value chain financing and agribusiness finance product development in Ethiopia, Ghana, Kenya, Malawi, Namibia, Rwanda, South Africa, Tanzania and Uganda. Beyond consulting, Mr. Pelrine has been a commercial farmer, a coffee and grain trader and the CEO of an Agribusiness Loan Guarantee Company. Mr. Pelrine is an owner and Director of INSPIRED International, a firm specializing in agribusiness finance, since founding the firm in 2007.

Vinod Parmeshwar, Oxfam America

Vinod Parmeshwar is the Associate Director - Markets and Innovations at Oxfam America. He has significant expertise in program design, project management, team building, fundraising, and financial management. At Oxfam, he helped launch Saving for Change, an innovative microfinance program that reaches more than half a million people in five countries. He worked with Catholic Relief Services as the microfinance coordinator and helped spearhead the Self Help Group-Bank Linkage program. Prior to that, he worked with the Self Employed Women’s Association Bank where he developed the business plan for the Indian School of Microfinance for Women. He also managed a Personal Loans product for Citibank. He authored a chapter in “Financial Promise for the Poor,” and he has presented at major trade conferences including the Global Savings Forum organized by the Bill and Melinda Gates Foundation in November 2010. Vinod is an adjunct faculty at Brandeis University in USA and has taught at Southern New Hampshire University’s Microenterprise Development Certificate in Africa. He has made presentations and trained people in microfinance in Bangladesh, Cambodia, El Salvador, Ethiopia, Guatemala, India, Kenya, Liberia, Macedonia, Mali, Peru, Senegal, South Africa, Tanzania, and the United States.

Jean Claude Rodriguez – Co-founder of Puddle (invited)

Jean Claude Rodriguez is the co-founder of Puddle with Matt Flannery, CEO of Kiva. Puddle is an online platform that gives individuals instant access to a line of credit and a platform where money is lent and borrowed freely among members. Before moving to San Francisco, he implemented Puddle offline in more than 10 countries. He is an Ashoka fellow and was selected Best Creative Entrepreneur of the World in 2008. He holds a Ph.D. in Microfinance.

Yusi Wang Turell, Carsey Institute Center on Social Innovation and Finance

Yusi Wang Turell is the executive director for the Center on Social Innovation and Finance at the Carsey Institute, responsible for overseeing all Center programs and activities. Prior to joining the Carsey Institute in 2011, Yusi led new initiatives at Citizen Schools, a national network of volunteer-led apprenticeship programs for low-income middle school students. At Citizen Schools, she directed the design, growth, and evaluation of its national 8th Grade Academy and Alumni Services and chaired its Task Force on College and Career Readiness. Previously, Yusi worked as a strategy consultant at Cap Gemini Ernst & Young’s Center for Business Innovation, where she researched the application of complexity theory to business. She also has worked as a researcher at Harvard Business School and a civil engineer on Boston’s “Big Dig” transportation project. Yusi holds a bachelor’s degree in civil engineering from Princeton University and a master’s degree in technology and innovation management from the University of Sussex (UK) through a Marshall Scholarship. Yusi lives with her family in Durham, New Hampshire, where she volunteers with the Town’s Economic Development Committee. She is a graduate of Leadership New Hampshire and LeadBoston.

Chuck Waterfield, Microfinance Transparency

Chuck Waterfield has 25 years experience in microfinance, with a mixture of practical field experience (six years starting MFIs in both Haiti and Bolivia) and experience leading network strategy development (serving as microenterprise director for both MEDA and for CARE International). He developed Microfin, the most popular financial planning software in the microfinance industry and teaches business planning courses around the world, with more than 3,000 microfinance professionals having been trained in his courses. His current work as an independent consultant includes clients across the industry.


Currently on faculty of Columbia University School of International and Public Affairs, he was formerly on the faculty of the Boulder Microfinance Training Program for ten years and Southern New Hampshire University’s Microenterprise Development Institute for eight years. In addition to Microfin, he has a broad range of products and publications including the SEEP FRAME Tool, the CARE Credit and Savings Sourcebook, and CGAP Handbook on Management Information Systems. In 2008, he founded MicroFinance Transparency and works as the CEO.