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Contributors
Rose W. Ngugi is an Adviser to the Executive Director for Africa at the International Monetary Fund. She has been a Senior Lecturer at the School of Economics at the University of Nairobi in Kenya. She has also served as member of the Monetary Policy Advisory Committee of the Central Bank of Kenya and participated as a member in the Police Reform Task Force under the Office of the President and the Private Sector Development Strategy Technical Committee under Kenya’s Ministry of Trade and Industry. Her research areas are financial sector issues, privatesector development issues, and economic reforms in general. Her research has been published in refereed journals and as working papers and discussion papers. She holds a Ph.D. in Financial Economics from the University of Birmingham. Frederic Ponsot is an inclusive finance expert and independent consultant based in Paris, with a specialization in microfinance and remittances. He has worked in Africa for CAPAF, a microfinance capacity building Consultative Group to Assist the Poor (CGAP) program based in Dakar, Senegal, and with the GRET in Paris, a French international nongovernmental organization, as a program manager in the Microfinance and Small Enterprise Department in charge of a program aiming to set up housing finance products for Senegalese migrants in Italy with the support of the International Fund for Agricultural Development (IFAD) and the Financial Facility for Remittances. He has led several studies targeting Europe-to-Africa remittance corridors covering West African remittance markets, as well as feasibility studies to set up remittance channels with microfinance institutions in Africa using new technologies, regulatory issues, and financial products for migrants for the World Bank, the African Development Bank, the European Union, the Cooperation of Luxembourg and the French development agency (AFD). Mr. Ponsot has an M.B.A. in macroeconomics and development economics. Georgiana Pop is an Economist with the Poverty Reduction and Economic Management Network in the Africa Region, World Bank. She joined the World Bank in 2008 and has substantive operational experience with growth, competitiveness, and infrastructure issues in several West African countries. Before joining the World Bank, she specialized in competition and investment policies at the Organisation for Economic Co-operation and Development (OECD) in Paris, the European Commission Delegation in Bucharest, and the Competition Council of Romania. She also has in-depth expertise in economic issues in several