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C/O Riaz Ali Shah. St. # 6, Gulbahar Colony No.1
Peshawar City, NWFP, Pakistan.
Phone: Office: 051-9219654
091- 2262277 (Res.), Mobile: 03005810434
TAHIR ALI SHAH
Date of Birth 6th September 1960
Language English /Urdu /Pukhtu /Persian /Punjabi.
? Over 20 years of “hands-on” and consulting/training experience in the fields of: (i)
microfinance, rural and agricultural finance; (ii) promotion, development and financing
of Credit Unions; (iii) enterprise development and trade promotion; (iv) community
development; and, (v) integrated rural development.
? Held senior level positions at the Federal Bank for Cooperatives in various
departments, covering 16 years of work experience.
? Work experiences cover the full project/program cycle, such as: project/program
design, implementation, supervision, monitoring, and project review, to include;
management of IFA, SWA and SGIA.
? Extensive experience in working with various national and international organizations
i.e. Banks, NGOs, Projects, Donors and Consultants.
? Have extensive experience as Training Facilitator, Moderator and a PRA Expert
? Report writing skills, to include Chief Editor Positions in various creative and
information disseminating activities.
? Conversion of NGOs into MF-NGOs under established International Microfinance best
? Portfolio transformation and diversification of ZTB LTD, nationalized commercial
banks and national financial Institutions, to adopt Micro financial services under
private public partnership to form synergy of Microfinance development and Rural
Finance Sector of Pakistan.
? Prepare and implement a National Credit Union and Insurance plan and to
transform Provincial Cooperative Banks into provincial MFIs.
? Facilitate establishment of Rural Finance Resource Center at National Institute of
Banking and Finance, State Bank of Pakistan.
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? Mapping of Rural and Microfinance sector of Pakistan, to prepare and develop
database for introducing program specific software, projection tools and MIS.
? Form and coordinate National Rural and Microfinance consultative group, to
provide National advisory and reconciliatory platform.
March 2004– Present
Rural and Finance Sector Development Program of Pakistan
Asian Development Bank funded (Pk-1987-88)
Implementing Agency: Ministry of Finance. Govt: of Pakistan.
Act as a project, rural & microfinance specialist to coordinate, plan,
develop and implement Rural Finance and Microfinance sector
development program of Pakistan.
Position: National Project Manager /Rural Finance Specialist, Rural
&Microfinance Sector Development Program of Pakistan. Ministry of Finance,
? Prepare and coordinate National rural finance sector development program
as per RRP and Loan Agreement and act as Project specialist to line up
work plans, recruitment of consultants, procurement, progress reporting,
review and implementation.
? Introduce and install portfolio diversification in ZTBL, Commercial Banks,
and National DFIs, by way designing various micro-financial products to
outreach both farm and non-farm micro-enterprise industry of rural Pakistan,
under sustained Rural and Microfinance structure.
? Provide program specific MIS to Banks and financial Institutions of Pakistan,
under; (I) reduced transaction cost, (ii) enhanced outreach to the rural poor
(iii) transparency and sound financial practices, (iv) Affect full cost recovery
? Develop public-private partnership to segregate wholesale and retail rural
and micro financial services by linking MF-NGOs to formal sector.
? Implement restructuring plan of ZTBL to augment staff efficiency and
reduced operating cost aiming to achieve diversified lending under full cost
? Prepare and implement Nation credit union and insurance plan and
transform dormant Provincial Cooperative banks into provincial MFIs.
? Coordinate and supervise establishment of rural finance resource center of
Nation institute of Banking and Finance at SBP, to provide national training
plan for imparting training to Rural and Microfinance practitioners of
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? Develop and establish National consultative group to synergize Rural and
Microfinance sector development program of Pakistan through PMU,
Ministry of Finance, by providing reconciliatory and advisory platform to the
National Rural and Microfinance entities.
? Establish New Bank Fund to transform NGOs into MF-NGOs.Overall
supervision, assistance and management of Project Management Unit.
January 2000 – Feb: 2004
Malakand Rural Development Project, NWFP, Pakistan
Asian Development Bank funded (Multi-sectoral PK; SF-1672)
Implementing Agency: Planning & Development Deptt. Govt: of NWFP.
Community Managed Infrastructure, Gender and Development, Natural
Resource Management, Microfinance and Community Development.
Position: PROJECT MANAGER, Rural Financial Services / HRD
? Exercise overall supervision and coordination of the activities of the Project Management
Unit for RFS and HRD
? Coordinate and liaise with ADB, GOP, partner institutions, such as Bank of Khyber and
? Evaluation of technical & financial proposals of International/Domestic consultants, Letter of
Invitations & bid opening, Contract negotiations, signing and mobilization.
? Responsible for the hiring/contracting of five indigenous district NGOs.
? Manage PMU Procurement, Transport, HRD and Finance,.
? Formulation/Implementation of Management Information System in the District NGOs of the
project area, introducing Microfin 2000.
? Counterpart facilitator to various consultants from project life to exit phase.
? Chief Editor Media & Design Section, having number of publications including periodicals
and newsletters at credit.
? Execution / preparation of work plans for Project Review Board, Mid Term Review, and for
ADB Inception & Review Missions.
? Report writing for donors and GOP on issues and areas for improvement.
As Project Manager, Rural Financial Services
? Exercise overall supervision in the design, development and installation of sustainable and
responsive financial services for agricultural production, community-managed projects and
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? Supervise and monitor a team of consultants hired for the adoption and implementation of
internationally proven microfinance best practices.
? Provide support for training of trainers, as well as field staff of BOK and Social Organization
? Preparation of quarter/annual targeting of credit plans under integrated components.
? Development of projects specific Management Information System to regulate Portfolio
Management of MFI in terms of delinquency, Cluster growth and Repeat Loans.
? Evaluation of MFI (Bank of Khyber) in terms of portfolio improvement to communalize
lending in rural areas, replicating to and for other Participatory Credit Institutions.
? Replication/Development of project specific microfinance models based on ASA pattern,
with multi- sectoral rural development interventions. Creating MF-NGOs
? Introduction of Women Rotating Savings and Credit Associations (ROSCAs) being project
specific to attain saving and capital formation.
? Formation of communities to infuse homogenized credit discipline through RPA and client
? Formation & Management of micro-enterprise clusters, under package financing.
? Implementation, monitoring and evaluation of microfinance products having multi- sectoral
? Development of loan/recovery specific Participatory Rural Appraisals in the Project area.
? Impact/process assessment of Loan disbursed, Credit rating, taking into account Regional,
Operational/Financial sustainability of MFI.
As Project Manager, HRD
? Design and execution of overall integrated training program for Project Management Unit,
NGOs, village and women organizations.
? Conduct Training workshops/participatory rural appraisal GOs Women/Village
? Imparting of training to community activists in mobilizing community resources with special
emphasis on Gender mainstreaming.
? Development of training curriculum, documentation, dissemination and horizontal
1984 - 2000
Federal Bank for Cooperatives1 Islamabad, Pakistan
Federal Bank for Cooperatives is a principle financing institution for cooperative sector in the country. It regulates cooperative
banking, lays down the policy guidelines, and carries out development and HRD functions to help improve state of cooperative system.
The Bank caters to the needs of the people of limited means through group activity. On an average, it disburses Rs. 5 billion (US$ 86
million) per year benefiting around 200,000 households through 300,000 loans cases. Average size of loan ranging from Rs.
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Last and Highest Positions held:
Regional Manager / Asst Vice-President & Deputy Director
Held senior management position during the last 8-10 years service in FBC, with the
following major responsibilities and achievements:
? Micro financing through 30 rural saving Banks.
? Formation and financing of 986 Credit Unions
? 140 Rural Participatory Projects executed in NWFP.
? Budget/Acct/Audit &Inspection of Cooperative Societies.
? International credit line management.
? Executions of annul participatory training programs/workshops.
BRIEF 15 YEARS JOB DESCRIPTION
Islamabad, NWFP, Northern Areas and Azad Kashmir – Pakistan
? AVP & Deputy Director
? Assistant Director
? Agricultural Credit Officer
? Regional Management, NWFP, Northern Areas and Azad Kashmir
? Banking Operations Department
? Banking Supervision and Inspection Department
? Finance and Accounts Department
? National Center for Cooperative Training
? Formation of saving and credit societies, qualifying them for extension of self supervised
formal credit delivery, under centralized regulated monitoring setup.
? Prepared annual credit plan for cooperative sector of the country resource position, project
of repayments and credit requirements sought approval of the plan from State Bank of
Pakistan (SBP) as a part of overall National Credit Plan.
? Served as training manger, to develop organize and deliver training modules on agr-credit
and cooperatives including that of dissemination of agri-credit access program in the field
through National Center for Coo-operative training.
? Arranged loan approvals, renewals, and disbursed funds to PBCs for financing short term
(working capital) and medium term (fixed investment) credit requirements of small &
marginal farmers and tenants disbursement increased from Rs. 3,800 million (US$ 65
million) to Rs. 5,800 million (US$100 million), respectively from 1997 to 2000. Recoveries
remained between 87-92%.
15,000-16,000 (US$269-276) in case of working capital and Rs. 50.000-300,000 (US$862-5172) in case of fixed investment. Its
program-financing project in Northern Areas directly relates to the environment conservation.
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? Designed, financed and monitored Scheme of Livestock and Program Financing in
northern hilly areas, in consultation with the Northern Areas Cooperative Bank and
residents of remote village living below poverty line. Schemes directly relate to non-farm
income generating activity of the members of coops.
? Represented FBC on Agricultural Credit Advisory Committee of SBP. Participated in
approval of yearly credit allocations for FBC, Agricultural Credit Policy, revision/updating,
review of credit disbursements and recoveries, etc.
? Frequently met with the PCBs/Provincial Authorities to review/discuss credit operations,
recoveries, non-performing loans, proposals for diversification of loans, inspection reports
on PCBs, etc.
? Supervised the team of auditors and Audit Officers conducting periodical audit of Bank’s
various departments and Regional Offices to ensure application of standard practices and
Prudential Regulations presented reports to the Chief Executive and Board of Directors.
? Prepared a scheme of forming model cooperatives for implementation by the cooperatives
for implementation by the Cooperative Department of NWFP. The scheme aimed at
developing cooperatives to become self-sustained organizations in a period of 10 years by
building own resources through savings and business surplus.
? Organized, with the assistance of Cooperative Department of NWFP, such credit unions
under the legal charter that governs their financial operations and allow them access to
member’s savings for the purpose of lending.
? Carried out research work, wrote scripts and coordinated entire production work of a
documentary of an exemplary cooperative which is a success story of demonstrating
solvency, self-reliance, rendering savings and credit facilities to almost every HH in the
area besides its services in collective use of agricultural machinery, input supply &
marketing, education health & sanitation.
January 1983 – December 1984
United States Agency for International Development (USAid)
Agri. Economic Analyst
? Assessment of market forces with regard to wholesale and retail.
? Agri. price collusion using total revenue total cost techniques.
? Farm to market perish-ability survey.
? Organizing farmer’s associations to overcome middlemen exploitation.
Swiss Development Cooperation – FSSP . (6 Months) 2003 - 2004
Setting up a sustainable microfinance delivery system for Khwendo Kor (Women NGO)
Ministry of Finance, Govt, of Pakistan (12 Months) 2002 - 2003
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Transformation of Northern Area Cooperative Bank into Karakuram Microfinance Bank
Madecor Group - Philippines (9 Months) 2001 - 2002
Project Manager and Government counterpart for Rural Financial Services (RFS),
Act as Project Manager of the RFS component of MRDP, designed to provide sustainable
financial services to low-income households in the Project area, including the adoption and
installation of internationally proven microfinance technology and best practices, through the
Bank of Khyber and partner NGOs.
Semiotics Consultants Pvt. Ltd. Islamabad (10 months) 2000 - 2003
Project Manager and counterpart for Project Benefit & Monitoring Evaluation, MRDP
Supervise and coordinate the design and implementation of a PBME system for MRDP-
Malakand Rural Development Project, a US$63 million integrated rural development project
funded by ADB, involving infrastructure development, community development and rural
finance. The PBME system is designed to monitor and assess project impact to the project
area and target clientele, through the conduct of socio-technical profile/village benchmark and
Excelsior School & College, Swat, NWFP (5 months) 2000
Establishing of Accounting System under stipulated centralized reserved system.
Responsible for the design and installation of accounting and control system for the Board of
Governors of the College.
Pakistan Academy for Rural Development (PARD) (3 months) 1997
Village information dissemination program on Agriculture Credit.
Designed and implemented a rural information system in remote areas of NWFP using mobile
video vans and TV medium to disseminate information on how to access agricultural credit
from all sources.
Pak-China Barter Trade Corporation, (11 months) 1990
Establishing of Barter Trade between China and Pakistan.
Member of Pakistani Team jointly with Chinese counterpart that designed and operated a
joint barter trade system between the Northern Areas (Gilgit) and border provinces of China,
based on negotiable invoice system (i.e., godown receipts)
DAM, SPA - ITALY (6 months) – 1989
Deputy Team Leader
Establishing Project Planning Unit (PPU) Ministry of Finance Govt. of Pakistan.
Assisted the Team Leader in setting up the PPU within the Federal Bank of Cooperatives
(FBC) to initiate and manage projects supported by donors. Set up the operating policies and
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procedures, assisted in staffing and training personnel to operate the PPU and supervised its
initial operations, to include: preparation of project proposals, negotiations with donors, and
Canadian Cooperative Association – CCA (6 months) 1987
Deputy Team Leader and Project Manager
Establishing Cooperative Power Distribution System
Provided overall project supervision in the installation of small hydels in remote areas of
Pakistan, to include the conduct of feasibility studies, engineering design, community
organizing, and installation of systems and management of initial operations prior to hand
Asian Development Bank –ADB (6 months) 1986
In Depth Evaluation of Credit Union System in Pakistan.
Coordinated and supervised the work of a team of consultants hired by the ADB to assess
and evaluate the growth, development and current status of credit and savings societies in
Pakistan. Reviewed and provided insights to the consultants on issues and prospects faced
by the credit unions, and assisted in the formulation of measures to strengthen the credit
union system in the country.
Pakistan Manpower Institute – PMI (4 months) 1985
Study on linkages of Vocational Training of Textile Cottage Industry to the Mainframe Textile
Industry of Pakistan. Conducted a survey of the cottage industry in terms of vocational
training, small enterprises and related activities with focus on the textile and handicraft sub-
sectors. Designed linkage mechanisms between vocational schools and small enterprises
with the mainstream textile industry to ensure the supply of quality work force, promote
employment of skilled workers, as well as promote the growth of cottage and small
enterprises through tie-ups with the major textile producers.
Ph. D. fellow of Economics
University of Peshawar, Pakistan [Enrolled in 2000]
M. Phil. in Economics
University of Peshawar, Pakistan [1995-96]
Certified Microfinance Graduate(Trainer)
Naropa University, Boulder, Colorado USA [MFT- 2004]
Diploma Course in Project Management
Pakistan Institute of Development Economics, Pakistan. [ 1991
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• MFT, Boulder, Colorado, USA.
? Cooperative Management Course,
Cooperative Management Center - Turin, Italy
? Certificate Course on Management of Enterprise Development,
Managua Agricultural Management Center - Mhlume, Swaziland
? Certificate Course on Cooperative Law and Credit Union Management
International Cooperative Alliance – Cyprus
? Computer Course for Managers - Pakistan Institute of Management, Karachi.
? Training of Trainers Certification awarded by Madecor Group, Philippines.
? Field Assessment Certification - USAID.
? Courses on Agri. Credit and Issues - Pakistan Institute of Bankers, Faisalabad..
? Course on Problems of Small Pheasants, Pakistan Academy for Rural Development.
? Course on Problem Accounts Bad Debt & Recovery.
? Courses on Rural Development - Pakistan Academy for Rural Development.
? Course on Agri. Price Collusion/Marketing Mechanism, Institute of Bankers, Karachi.
? Course on Human Resource Management - Pakistan Manpower Institute.
? Vocational Training and Integration–Cottage Industry, Pakistan Institute of Management.
? Course on Credit Evaluation and Techniques, Institute of Bankers, Pakistan.
? Courses in Microfinance. Pakistan Microfinance Network, Islamabad.
? Courses in Executive Management - Pakistan Institute of Management.
? Courses in Credit Union Management and Mobilization.
? Vice President Pakistan National Committee on Microfinance
? Visiting lecturer at various institutions. (NBP, ZTBL, PARD)
? Select as a Judge by UN on Global Micro entrepreneurial Awards (2004)
? Accreditation as freelance writer.
? Column writer Futuristic Literary Society.
? M&RF Trainer/RF committee member at National Institute of Banking and Finance,
PATENTS AND PUBLICATIONS
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? Publications on supervised/regulatory credit.
? Pakistan Microfinance Sector Report for UN.
? Trade cycles and domestic circular income flow.
? Rural development and ribbon growth.
? Consultative credit Evaluation on Microfinance Best Practices.
PROFESSIONAL AND SOCIAL MEMBERSHIPS
? Online Member CGAP.
? Online Member Pakistan Microfinance Network.
? Online Member ACCION International.
? Professional Member er Sustainable Development Policy Institute.
? Fellow Member Leads Pakistan.
? Professional Member Pakistan Institute of Development Economics.
? Professional Member Pakistan Management Institute.
? Professional Member Pakistan Banking Council.
? President City Action Forum.
? Professional Member HRDN Network.
1. Mr. Zafar Iqbal Qadir
Joint Secretary, Ministry of Trade & Commerce,
Government of Pakistan.
2. Mr. Mariano A. Cordero
International Microfinance Consultant
17 Charles Conrad St. Doña Faustina II,
Quezon City, Philippines
Tel/Fax. No. (632)931-0214/456-0874
Email add: email@example.com
3. Mr Shoukat Hayat Durrani
Addl Secretary, Ministry of Petroleum
Government of Pakistan, Islamabad.
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