Green Inclusive Finance: Understanding and Tackling Clients' Vulnerabilities

Data collection on energy, WASH, and food security at the household level

Monday, October 18, 2021, 9am - 5pm
Kigali Convention Center, Kigali, Rwanda

The training is a satellite event of the 2021 African Microfinance Week (SAM)
The participation is free of charge but registration to the SAM is required

Are you interested, but not attending the conference? Get in touch to receive updates on training material and follow-up trainings

Understanding the needs of an institution’s beneficiaries or clients is crucial to developing and upscaling a green inclusive finance program within an organisation. By identifying clients' vulnerabilities regarding energy access, drinking water supply, sanitation & hygiene, as well as food security, institutions can grasp the challenges ahead, uncover markets to develop, and unlock opportunities for a real triple bottom line impact of their work.

The training will give participants an overview of the frameworks for basic needs assessments at the household level, hands-on experience with data collection tools, do's and don'ts in the field, and strategies on how to integrate such processes into institutions' core activities.

Lessons learned and best practices from previous experiences using digital tools will be shared, and insights on how to take result-oriented action will be provided.

Target: Open to directors and credit product department managers in microfinance institutions.

Language: In English, with translation in French.


9:00 – 9:30 am

Welcome – Introduction

9:30 – 10:00 am

Tackling end—customers’ vulnerabilities – Why?

Ongoing study: The IMPACT-R Dashboard

10:00 – 10:30 am

Green Inclusive Finance: Developing products & services through client’s needs understanding

Sébastien Simonot - Foundation Grameen Credit Agricole

10:30 - 11:00 am

Coffee break

11:00 – 12:30 pm

Case Studies:
- Developing Solar Energy MF product

Isabella Troconis - EnDev GIZ Rwanda
Yvette Ingabire - Urwego Bank

- Developing Sanitation & Health Non-Financial Services

Martin Woyaba

12:30 – 2:00 pm

Lunch break

2:00 – 3:00 pm

Investors’ perspectives, experiences & insights on product development, impact assessment and clients’ needs understanding

Pierre Casal Ribeiro - CIDR PAMIGA
Dina Pons - Incofin IM - WASH Investment (online)
Presentation of Aqua for all

3:00 – 3:30 pm

Frameworks Part 1 & Exercise ENERGY ACCESS: Multi-Tier Framework ESMAP / World Bank


ODK Collect

QR code for excercise:

Web surveys:

Energy (MTF)
Food Insecurity

3:30 – 4:00 pm

Coffee break

4:00 - 4:30 pm

Frameworks Part 2 & Exercise WASH: Joint Monitoring Programme UN/WHO & FOOD SECURITY: Food Insecurity Scale Scoring - FAO

4:30 - 5:00 pm

Experiences – Lessons learned

Tezera Kebede Bekele - PEACE MFI

Invited Speakers

Yvette Ingabire

Urwego Bank

Yvette Ingabire has 10 years of experience in banking and fund management results-based financing facilities (RBF).
She currently serves as the RBF officer at Urwego Bank where she has managed three different RBF funds on behalf of Energising Development (EnDev). In doing so, she has successfully disbursed over EUR 4 million to companies working in the renewable energy sector, which resulted in electricity access to over 590,000 households across Rwanda. In addition to her experience of designing and implementing results-based financing fund for both SHS and mini-grid solutions, Yvette has worked in migration financial inclusion and core banking systems projects. Yvette holds a Master’s degree in project management from Jomo Kenyatta University of Agriculture and Technology.

Isabella Troconis

EnDev GIZ Rwanda

Isabella Troconis count on with +7 years of experience in international cooperation and market development in renewable energy, improved cookstoves, microfinance and social entrepreneurship with a regional focus in Europe, Latin America and Sub-Saharan Africa. She currently serves as the manager for the cooking energy programme in Energising Development (EnDev) for the Great Lakes Region. Previously she worked with Urwego Bank as an advisor, where she co-managed with Yvette the RBF funds for SHS and minigrid technologies. At Urwego, she also supported the business development team piloting innovative loan products for consumer goods (mobile phones) and productive use of energy (solar irrigation systems).
Isabella holds a MSc in Environmental Policy and Regulation from the London School of Economics and Political Science and a diploma in Microfinance from the Frankfurt School of Finance and Management.

Dina Pons

Incofin Investment Management

Ten years ago, Dina joined Incofin Investment Management, a global impact asset manager, currently managing 1.1bn EUR of debt and equity investments deployed in financial inclusion, agriculture & nutrition and drinking water. Today she is a Partner and a member of the Leadership Team where she oversees all East Asia investment activities and impact management activities globally. Dina is also the Fund Manager of Incofin’s latest impact first equity initiative called the “Water Access Acceleration Fund (W2AF)”. The fund aims to invest equity and quasi equity in medium size businesses which provide drinking water to low income population in Asia and Africa. The fund aims to reach 30m people, providing 20bn liters of safely managed drinking water within the next 10 years. Before joining Incofin, Dina worked in financial inclusion in China, and in the Philippines, providing technical know how and rating services to fast growing microfinance institutions.
Dina speaks fluent French, English, and Spanish and has a good command of Mandarin Chinese. She holds Master's degrees from Sciences Po, Paris and the London School of Economics (LSE) in Development Studies and in International Relations

Sébastien Simonot

Foundation Grameen Credit Agricole

Sébastien Simonot has 10 years experience in corporate commercial banking and in corporate and investment banking as well as 10 years experience in financial inclusion, successively occupying managerial and advisory positions for Tier-2 and Tier-3 microfinance institutions in the Caribbean, East Africa and West Africa areas. His expertise areas include strategic management of institutions, product innovation, the deployment of digital solutions and skills renforcement.
He joined the Grameen Crédit Agricole Foundation in July 2020.
Sébastien holds a master’s degree in Management sciences and a Diploma in accounting and financial studies from the University of Bourgogne as well as a Certificate of expertise in microfinance from the Frankfurt School of Finance and Management. He is fluent in French, English, Spanish and Creole.

Pierre Casal Ribeiro


Pierre is Impact Manager at CIDR Pamiga, a French NGO providing small businesses and households with easier access to markets, finance, energy, water and sustainable agriculture. Pierre is involved in several Digital Finance and Access to Energy programs in sub Saharan Africa.
He has over 10 years of experience in inclusive finance and insurance. Before joining CIDR Pamiga, worked for the Grameen Crédit Agricole Foundation where he first led the agricultural insurance practice, before managing the technical assistance programs. Previously, Pierre has also worked as a sustainable development consultant, for the NGO Positive PlaNet in France and in Senegal, and for the microfinance institution Fondesurco in Peru. Pierre holds a Master in Management from ESCP Business School and a Master of Microfinance from the ULB University in Brussels.

Tezera Kebede Bekele

PEACE Microfinance S.C Ethiopia

Tezera has MBA in Financial Management, Post Graduate Diploma in Management, and Post Graduate diploma in financial management from Indira Gandhi National Open University. His first degree is BA in Economics from Addis Ababa University. He has certified in Digital Finance, and he is one of the pioneer professionals who implement the Microfinance business in Ethiopia, right from the very start, and has over 30 years of experience in areas of leadership of Microfinance, micro enterprise development, handicrafts and small-scale industry. Currently serves being the Board Member of three independent organizations, namely the Association of Ethiopian Microfinance Institution (AEMFI), Ethiopian Financial Inclusive Technology (ETIFT), and Agri Service Ethiopia.

Diéry Sene


Diery Sene, a Senegalese national, holds a Master's degree in business management from UCAD and a DESS in banking and finance. He has more than 20 years of experience in microfinance and economic and social development. Diery participated in several training courses on microfinance and on specific themes (GPS, CGAP courses; CAPAF etc.). He has held several managerial positions and has participated and/or conducted socio-economic impact studies/assessments. Thanks to his extensive experience, Diery Sene had the honour to participate in the creation of a new social MFI called FANSOTO in Senegal, of which he is the Executive Director.

Martin Woyaba

Martin Woyaba is a medical student pursuing a diploma in CLINICAL MEDICINE AND COMMUNITY HEALTH at St Francis School of Sciences Mukono Namataba in Uganda. Martin is leader of the COVID-19 RELIEF PADS CAMPAIGN, a campaign run with four youth lead organisations in Uganda partnered to save the girl child. The consortium consists of FOCUS ON AFRICAN CHILD, MASTERCARD ALUMNI BRAC UGANDA, GIRL UP AND INSPIRED WOMEN UGANDA.
T he organizations work together to carry out the campaign to raise funds from donations given by people interested to contribute on improving proper management of menstruation of girls and women.


Natalia Realpe Carrillo

Klaus Töpfer Sustainability Fellow from Institute of Advanced Sustainability Studies (IASS), director of HEDERA Sustainable Solutions GmbH, a spin-off of TU Berlin Institute for Energy Engineering (IEE), co-head of the Green Inclusive & Climate Smart Finance Action Group from the European Microfinance Platform (e-MFP) and guest lecturer at the Pan African University Institute of Water and Energy Sciences including Climate Change (PAUWES) and at TU Berlin Campus El Gouna.

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