Margaret Karuri

I am an Independent Development and Financial Expert/Analyst consultant, with years of work experience and exposure in banking, finance, and development investment project work. Has worked with and/or on investment projects and programs funded/co-funded by a wide range of donors and development agencies in Africa and in Afghanistan including twelve (12) years with the African Development Bank, freelance consulting the EU, EIB; USAID, KfW, AFD, the World Bank, UN Agencies (IFAD, FAO), Sida etc. My work has been to leverage the effect of these various funding sources, and dynamics that help bring all stakeholders in the public and private sectors together for greater impact.

Skilled in formulating, designing, assessing, and evaluating a wide range of development projects in agriculture and rural development, financial sector reforms and development, financial sector deepening through rural and microfinance initiatives that support micro-small and medium enterprises (MSME) development; Access to finance for private sector development, financing water, and sanitation sectors; livelihoods support systems and others.

Experience in evaluating donor-funded projects and partnerships to determine aid effectiveness and "value for money", impact and sustainability of the outcomes, including, advocating, for/and supporting both short and long-term institutional and policy reforms, in addressing constraints that hinder greater social and economic engagement for the majority of the socially and economically disadvantaged, and people who directly face poverty.

Has worked for Twelve (12) years with the African Development Bank, Nine (9) years with Kenya Commercial Bank Group, and since 2004 as a freelance consultant with different donors funded projects and programs including the EU, EIB; USAID, KfW, AFD, the World Bank, UN Agencies (IFAD, FAO), Sida, etc.

Institution[ Date from - Date to ]Degree(s) or Diploma(s) obtained:The University of Stirling in Scotland [U.K] 1989 to Nov. 1990Master’s in business administration [MBA] - FinanceThe University of Nairobi – Kenya,1977 to 1980Bachelor of Arts [ BA] Honours – Economics and Sociology6.a) Additional Key Training: 

Institution[ Date from - Date to ]Degree(s) or Diploma(s) obtained:October 2015: Mwongozo /The Code of Governance for Directors in State Corporations Government of Kenya Certificate of Participation December 2010: Centre for Corporate Governance (CCG) Nairobi – Kenya Certificate in Training of Trainers (TOT) Course in Corporate GovernanceMay 2006: Commonwealth Association for Corporate Governance, Kenya Certificate in Principles of Good Corporate Governance2005: IFC/World Bank, Nairobi, KenyaCertificate in Enhancing Management Consulting Skills CourseJune 1999: Harvard Institute for International Development (HIIDCertificate in Investment Appraisal andManagement (PIAM)1997: Booze. Allen & Hamilton Certificate - Managing Risk in Private Sector Project Development and Finance1997: Japan Development Bank & African Development Institute Certificate in Development Financing and Credit Analysis1996: Chase Bank, New York, & Melon Bank, Philadelphia (USA) - Certificated in Senior Management Credit Program1990: National Westminster Bank (NATWEST) (U.K) 1990International Finance, Markets and Trade1982-1991: Kenya Commercial Bank Training School Credit Management, Operations, Management, Marketing of Financial Services, Corporate Finance and others.