Phone: +918025530196



Dr. Smita Premchander

Finance and Accounting

Educational Qualifications

2007 : PhD in Microfinance,  The title of the book published on the topic is "Multiple Meanings of Money: How Women See Microfinance". Durham University, Durham, UK.  The PhD receieved sponsorship and guidance from the University of Berne, Switzerland

1998 - 2000: Programme on Energy, Environment and Resources Conservation (PEERS). The one-year flexible programme was conducted by the Tata Energy Research Institute, New Delhi; United Nations University, Tokyo; Institute for Energy Technology, Oslo; and International Institute for Sustainable Development, Winnipeg

1993: Course on Income Generating Enterprises, Cranfield School of Management, Milton-Keynes, UK.

1988: Certified Associate of the Indian Institute of Bankers (CAIIB), The Indian Institute of Bankers, Mumbai, India.

1982: Post Graduate Diploma in Business Management (Special package in Agriculture) (PGDBM), Indian Institute of Management, Ahmedabad, India

1980: MA Economics, Miranda House, Delhi University.

1978: BA Honours Economics, Lady Shri Ram College, Delhi University.



Academic Affiliation

  • United Nations University (Environment and Human Settlements Institute), Bonn: Chair of the Advisory Committee/ Board (Member: 2015 to date, Chair: 2018 onwards)

  • Member of the editorial board of Enterprise Development and Microfinance, a peer reviewed journal - published by Practical Action Publishing, UK.

  • Member of the editorial board of Sahulat, a peer reviewed journal  of Interest Free Microfinance- published by Sahulat, Delhi.


Professional Affiliations with Social Organizations

  • Development practitioner: Founder-Member and Honorary Secretary, Sampark (

  • Bandhan Konnagar, Kolkata: Board member of the Trust that founded Bandhan, a leading Microfinance institution, now converted to a universal bank in India.


  • Krishnamurti Foundation of India: Executive Committee Member of

    • The Rishi Valley School, Madanapalli, Chittoor district, Andhra Pradesh

    • The Valley School, Bangalore, Karnataka

  • Friends of Women's World Banking, Ahmedabad, Board member of this premier organisation in microfinance in India (2009-17)

  • Priyasakhi Mahila Sangh, Indore: Board member of this women's cooperative with 20,000 members (2008 to date).




The Microfinance Management Course at the Indian Institute of Management from 2010 to 2019.  

Over the past 20 years, offered short modules, lecturesa nd presentations on issues in microfinance, gender, women's enterprise, women's empowerment, rural development and poverty reduction.  The modules and lectures have been part of courses offered by the Universities of Striling, Cranfield, Durham and University of East Anglia (UK), University of Bern and Geneva (Switzerland), Princeton University (USA), and University of Central Asia, Tajikistan. 



Area of Research


- Microfinance

- Gender and Social Inclusion

- Women's Empowerment

-Social Protection


Current Research




  • Premchander, Smita, Sumit Dutta and Aindrila Mokkapati (2018),  Innovations for success and scale up: an analysis of Bandhan's Targeting the Hard Core Poor programme in India , Practical Action Publishing, ISSN: 1755-1978 (print) 1755-1986 (online)

  • Premchander Smita, Stuti Poddar and Laura Uguccioni.  Forthcoming. "Contracting and sub- contracting in Brick Kilns: How Markets Collude to Perpetuate Indebtedness and Bondage."In Campbell, Gwyn and Alessandro Stanziani, eds. Forthcoming. Palgrave Handbook on Bondage and Human Rights.

  •  Case Study on Community Managed Resource Centres (CMRCs), federations of SHGs promoted by the Mahila Arthik Vikas Mahamandal, Maharashtra, under a project supported by IFAD. (Forthcoming: 2018)

  • Premchander, Smita, V. Prameela and M. Chidambaranthan, 2015.  "Prevention and elimination of bonded labour: the potential and limits of microfinance-led approaches."  Geneva: Special Action Programme to combat Forced Labour, Fundamental Principles and Right at Work Branch, International Labour Organisation.

  • Premchander, Smita, V. Prameela, 2015 "Lives and Livelihoods of Devadasis (girl children dedicated to goddesses and pushed into sex work)." In India Exclusion Report, pp 229-258

  • Premchander Smita, "Contracting and sub- contracting in Brick Kilns: How Markets Collude to Perpetuate Indebtedness and Bondage." In Campbell, Gwyn and Alessandro Stanziani, eds. Forthcoming. Palgrave Handbook on Bondage and Human Rights.

  • Chidambaranathan, M., Smita Premchander and Raj M., 2013. "Community Based Microfinance: The Potential and Challenges of Self-Reliant, Self Help Group Cooperatives", Enterprise Development and Microfinance (EDM) Journal, Vol.24, No 2, Pp 118-134, June, 2013.

  • Premchander, Smita, 2012. "Livelihoods Protection and Promotion: The Changing Role of Civil Society Organizations", In State of India Livelihoods Report 2012, Delhi: Sage Publications

  • Premchander, Smita and Marc De Sousa-Shields, 2012.  "Crossfire: The ‘Occupy' movement and the polarization of rich and poor demonstrate that we are losing the battle on poverty alleviation in the free market system."  Debate in: Enterprise Development and Microfinance, Volume 23 Number 1 March 2012.

  • Premchander, Smita, 2011. "MFI Bill: Concerns Remain" Economic Times

  • Premchander, Smita, 2010.  Review of the Social Development component of the Chars Livelihoods Programme.  Bangladesh: Chars Livelihoods Programme.

  • Premchander, Smita, M. Chidambaranathan and Nikita Kaul, 2010.  "Empowering Microfinance: A Critical Element of Women's Access to Productive Resources." In Women's Productive Resources: Realising the Right to Food for All, PWESCR (Programme on Women's Economic, Social and Cultural Rights), Delhi.

  • Chidambaranathan, M., V.Prameela and Smita Premchander. 2010. "Convergence and Institutional Innovations for Sustainable Rural Development: Experiences and Lessons from Convergence Models in Rural Development Programmes". In: Sustainable Livelihoods and Rural Development: Two Decades of Impact and Learning – Collection of Conference papers.  New Delhi: Natural Resources International Limited.

  • Premchander and Smita Premchander, 2009.  "The Promise of Social Inclusion: "Will the 11th Plan Deliver?" In Livelihoods Sector Report, published for the Microfinance India and Livelihoods Conference.  New Delhi: Access Development Services.'s%20Livelihoods.pdf

  • Chidambaranathan, M, L. Jeyaseelan and Smita Premchander. 2009. Managing money: Ask Koppel's women. Deccan Herald, Spectrum, Tuesday, 3 March, 2009.

  • Premchander, Smita, Sudin K., and Peter Reid (Eds.). 2009. Finding Pathways: Social Inclusion in Rural Development.  Bangalore: Books for Change.

  • Premchander, Smita; V. Prameela; M. Chidambaranathan and and L. Jeyaseelan, 2009.  Multiple Meanings of Money: How Women See Microfinance. New Delhi: Sage Publications.

  • Premchander, Smita and V. Prameela 2007.  Empowering Women through Microfinance: A Policy and Programme Review." Delhi: Care India.

  • Premchander, Smita and Christine Mueller (Eds.), 2006.  Gender and Sustainable Development Berne: Centre for Development and Environment (CDE).

  • Premchander, Smita (Ed.) 2001. Turning Points: Experiences of PLAN Partners in Promoting Sustainable Livelihoods.  Delhi: PLAN International.

  • Premchander, Smita. 2001. Nothing Ventured Nothing Lost: The Experience of a Project to Pilot Gender Sensitive Finance for Small-Scale Entrepreneurs. Bangkok: UNIFEM. 

  • Premchander, Smita,. 1997.  Translating Dreams Into Reality. Ahmedabad: Friends of Women's World Banking.

  • Premchander, Smita and Prameela V.  2008: "Agriculture and Allied Mission (AAS) in Bihar district, an innovative project for Extreme Poor Women."  Brochure produced for Gender Unit, ILO, Delhi.

  • Premchander, Smita, M. Chidambaranathan and V. Prameela. 2008. "Policy: Pathways to Sustainable Livelihoods." In Sankar Datta and Vipin Sharma (Eds), State of India's Livelihoods: The 4 P Report. New Delhi: Access Development Services, Pp: 59-79.

  • Premchander, Smita and M. Chidambaranathan. 2007. One Step Forward or Two Steps Back? Proposed Ammendmens to NABARD Act. Economic and Political Weekly, Vol XLII, No. 12, March 24-30, 2007. Available online from:

  • Premchander, Smita, L Jeyaseelan, V. Prameela and M. Chidambaranathan. 2007. "Diversified culture and diversified meanings: The impact of microfinance in Koppal, India." In: Bertus Haverkort and Stephan Rist (eds). 2007, Endogenous Development and Bio-Cultural Diversity- The interplay of worldviews, globalisation and locality. Leusden: ETC/COMPAS and Centre for Development and Environment (CDE), Pp: 181-187.                                    

  • Prameela, V., Veena A.S., Kiran Rao and Smita Premchander. 2007. "Counselling intervention for rural women with psychological distress".  In : Kiran Rao (Ed.) Mindscapes: Global perspectives on psychology in mental health. Bangalore: National Institute of Mental Health and Neuro Sciences.

  • Premchander, Smita; V. Prameela; M. Chidambaranathan and Benjamin Laroquette, 2006. From Bondage to Freedom: Lessons from ILO's PEBLISA Experience.  Delhi: International Labour Organisation:'s_Experience_in_South_Asia

  • Premchander, Smita; M. Chidambaranathan; V. Prameela and L. Jeyaseelan. 2006. Bonded Labour Projects: A Guide for Evaluation and Impact Assessment. Delhi: International Labour Organisation.

  • Premchander, Smita; V. Prameela in collaboration with Wim Polman, 2004. Promoting Rural Women's Cooperative Businesses in Thailand. A Training Kit. Bangkok: FAO.

  • Premchander, Smita; Ryoko Iizuka; Gerry Finnegan; Pat Richardson, 2005.  "A Handbook for Planning Impact Assessments" (Published as a fact sheet internally for ILO).  Geneva: ILO.

  • Premchander, Smita. 2004. "Indo-Swiss Research Partnership Project (SPP-E/Module 7) – A Southern Perspective". In Maselli, Daniel, Jon-Andri Lys and Jacqueline Schmid (Eds.). Improving Impacts of Research Partnerships. Berne: Swiss Commission for Research Partnerships with Developing Countries, KFPE.

  • Chidambaranathan, M., Soraya Verjee, Smita Premchander and M.V. Deshpande. 2004.  "Assessment of an Indo-Swiss Research Partnership Project: Microbial Control of Insect Pest- Entomopathogenic Fungi as Mycoinsecticides. A Southern Perspective". In: Daniel Maselli, Jon-Andri Lys and Jacqueline Schmid (eds). Improving Impacts of Research Partnerships. Berne: Swiss Commission for Research Partnership with Developing Countries, KFPE. Geographica Bernensia, Pp63-68. Available from: Longer version of the study at

  • M. Chidambaranathan and Smita Premchander. 2004. "Confronting the conflicts: Transformative Leadership or Transformation of Organisations." In Regional Conference - Transformative Leadership for Co-operatives in Asia: transforming leadership, transforming cooperatives, transforming society.   Quezon city, Philippines: Asian Women in Co-operative Development Forum.

  • Premchander, Smita and M. Chidambaranathan. 2004. "Reality and Reflection: Gender and Leadership for Sustainable Natural Resource Management". In: Ruedi Baumgartner and Ruedi Hogger, eds. In Search of Sustainable Livelihood Systems: managing resources and change.  New Delhi: Sage Publications, pp 208-246.

  • Premchander, Smita. 2003. "Learning from Impact Assessments: Does Understanding Women's Perspectives Change Microfinance Programmes?"

  • Premchander, Smita. 2003. "NGOs and Local MFIs: How to Increase Poverty Reduction through Women's Small and Micro-Enterprise". Futures 35 (2003: 361-378). Pergamon: doi:10.1016/S0016-3287(02)00086-1 ,

  • Premchander, Smita, L. Jeyaseelan and M. Chidambaranathan. 2003. "In Search of Water: Natural Resource Degradation Leading to a Livelihoods Crisis in Koppal District, Karnataka, India" Mountain Research and Development, Vol 23. No.1. Feb 2003: 19-23: Berne: The International Mountain Society. Source: Mountain Research and Development, 23(1):19-23. Published By: International Mountain Society DOI:[0019:ISOWIK]2.0.CO  

  • Premchander Smita. 2002. "Whose Parameters, Whose Standards? Evaluating the performance of savings and credit groups through external parameters only could be a self-defeating process."  News Reach, Internal Journal of PRADAN, Volume 2 Number 7, July 2002.

  • Premchander, Smita. 2001. "Business Management, and Marketing and Trading: Tools for the Economic Empowerment of Women and Gender Equality". In Women, Gender and Coooperatives in Asia: Meeting Challenges, Exploring Opportunities. Quezon city, Philippines: Asian Women in Co-operative Development Forum.

  • Premchander, Smita. 2001. "Mindsets as Barriers". In Enhanding Research Capacity in Developing and Transition Countries". Berne: Swiss Commission for Research Partnerships with Developing Countries, KFPE.

  • Premchander, Smita and M. Chidambaranathan. 2001. Natural Resources, Gender and Leadership. Management Review, 13 (1), Bangalore: Indian Institute of Management (IIM).

  • Premchander, Smita and M. Chidambaranathan. 2001. Examining Assumptions: Emotional Issues and Anxieties in Partnership Negotiation and Evaluation. Switzerland: KFPE.

  • Premchander, Smita. 2001. "Empowering People or Empowering Institutions." VIEWS 6, Bangalore: Sampark.

  • Premchander, Smita and M. Chidambaranathan. 2000. Reality and Reflection: Gender and Leadership for Sustainable Natural Resource Management. Bangalore: Sampark. Re-printed by Swiss Agency for Development Cooperation, 2003.

  • Premchander, Smita. 2000. "Is the Path Correctly Charted?  Doubts and Dilemmas in the Monitoring Process", Search Bulletin, Vol. XIV, No. 3.  July 2000.




  • 2018-19

Team member for the Final Independent Evaluation of the Fairway Project (Regional Fair Migration Project in the Middle East). Fairway is a regional technical cooperation project financed by the Swiss Agency for Development Cooperation (SDC) and implemented by International Labour Organization (ILO) with its partners in Lebanon, Jordan, Kuwait and Bahrain.

  • 2018

Team leader for the Final Independent Evaluation of the Work in Freedom (ILO-DFID Partnership programme on Fair Recruitment and Decent Work for Women Migrant Workers in South Asia and the Middle East). The WIF programme is an inter-regional technical cooperation programme implemented by International Labour Organization (ILO) with its partners and financed by the United Kingdom Department of International Development (DFID). The programme covers five countries: India, Nepal, Bangladesh, Jordan, Lebanon. The purpose of the programme is to reduce vulnerability to trafficking and forced labour of women and girls. The programme addresses some of the key drivers and vulnerabilities of trafficking, such as poverty and gender equality, through an integrated prevention strategy of safe migration and decent work. Local, national governance is a key aspect of the programme, as well as governance in sending districts/ countries and destination districts and countries.

  • 2018

Consultant to the World Bank, New Delhi, for preparation of a Concept Note for a Study on Labour Issues on Construction Projects in India, Bangladesh, Nepal and Pakistan.  I provided inputs and helped prepare a concept note with the study framework, and inputs on labour standards, especially applicable to migrant workers on large construction projects.

  • 2018

Team leader for the assessment and documentation of Community Managed Resource Centres, for Maharashtra Arthik Vikas Mahamandal (MAVIM: Women's Development Corporation), Maharashtra, India. The project was to make a comprehensive assessment of the initiatives of MAVIM for women's economic and social empowerment.  This included a big component of governance, and convergence with schemes for assistance to the poor.  The IFAD supported project covered almost 1 million women. I designed study, adapted Gender and Social Inclusion (GESI) framework, trained staff team, conducted interviews with the government team in headquarters and district offices, conducted field visits to see women's organisations, and the impact of social mobilization. Presented key findings and prepared report for the department.

  • 2017-
  • 2018

Team leader for a project in Varanasi, in villages affected by river erosion, for economic and social empowerment of women and improvement of their livelihoods. 

  • 2017

Team Leader of Final Evaluation of the Global Child Labour programme of the ILO, Geneva.  The multi-component multi-country programme covers 43 countries and is funded by the US Department of Labour.  The evaluation was done through skype interviews and visits to Ecuador and Philippines.

  • 2017

Team Leader for Participatory Qualitative Assessment of the World Bank's support to Swachh Bharat Mission (Water, Sanitation and Hygiene) programme of the Government of India.  The participatory assessment examines the role of women's self-help groups and federations in reaching the most excluded and marginalised communities for WASH initiatives.

  • 2017

Team Leader for a Participatory Review and Strategic Planning for the Myanmar National Network of Women (May Doe Kabar) for UNDP, Myanmar. The network of 22,000 members comprises Self Reliant Groups engaged in savings and credit activities, and are federated in Cluster Leading Groups and Township Leading Groups (CLGs and TLGs). The activities relate to Disaster Risk Reduction and environment and climate change will be a large component of the work of the women's federation in the coming years.

  • 2016-17

Member of the Task Force for Drafting Appropriate Legal Framework for Community Based Organisations.  The task force was formed by the Maharashtra State Rural Livelihoods Mission, Maharashtra Government, India. The task force was responsible for suggesting a strategy for women's federations.  The key question related to governance of the cooperatives and women's collectives, and the ways in which the government could support, have regulations but not take control of the women's collectives.

  • 2016

Member of the  Madhya Pradesh Task Force for Poverty Reduction, formed by the  Rural Development and Panchayati Raj department of the Government of Madhya Pradesh.

The  Niti Ayog, the Policy planning arm of the government of India, required each state to make a comprehensive plan for poverty reduction in their states.  As a member, I attended task force meetings, visited the state and rural areas of the state to review all the government schemes and measures, by talking to staff at all levels and the community institutions built for social and economic mobilisation by the state programmes. These results were fed back into state planning processes.

  • 2016-2018

Team Leader for Feasibility Study of a Women Empowering Microfinance Institution, Sampark, Bangalore. Over 560 women's SHGs have federated to register as 3 financial cooperatives, and the feasibility involves participatory discussions with the women to assess their capacities articulate their vision and way forward and assessing the external environment for growth and sustainability of women-owned cooperatives.

  • 2015-2017

Country Lead and Private Sector Advisor for Myanmar and Nepal, on a research project that examines the links between Women's Economic Empowerment and Violence against Women and Girls (WEE-VAWG).  The project was funded by DFID for its South Asia Research Hub, and covered Nepal, Myanmar and Pakistan.  The research covered the perspectives of a women's microfinance network  and ran a game on the iWomen phone application of UNDP Myanmar on the topic of violence against women and girls.  I was appointed by the University of Portsmouth, UK, for guiding the research team, visiting research areas, giving inputs on the research design and report finalisation, constituting research advisory committees in each country of key stakeholders and international agencies, presenting findings to the advisory committee and other stakeholders.

  • 2015

Team leader of an Environmental Assessment of the Enabling Environment for Financial Cooperatives and their role in financial inclusion in India.  Completed for the UNDP, Delhi; sponsored by the office of the Rabo Bank Foundation in India.

  • 2014

Advisor on a study on Financial Capability of Rural Households in four states of India, conducted by GIZ, Delhi, and on financial literacy to the Indian School of Microfinance, Ahmedabad.

  • 2013

Consultant for an Independent Joint Evaluation of the DFID and Irish-funded ILO Project Reducing Vulnerability to Bondage in India through Promotion of Decent Work, for ILO Delhi.

  • 2013

Team leader for an Annual Review of the Chars Livelihoods Programme, Phase 2.  The project was situated in chronic flood prone areas, was conducted for DFID Bangladesh and included an assessment of livelihoods, gender relations and value for money. 

  • 2013

Lead consultant for evaluating and preparing a vision document for financial inclusion, for the State of Uttar Pradesh in India. The process involved consulting a wide range of stakeholders, and comparing different channels, especially those which empower women by giving them leadership positions. The strategic evaluation was a contribution to multiple stakeholders including the state governments, NGOs, bankers and the project donor and implementing agencies.

  • 2013

Team leader on an investigation about whether and how microfinance reduces violence against women for GIZ. The research was conducted by ten researchers in three different parts of India. The research was presented to key stakeholders at the national level, including the Government of India, Women's Empowerment Mission, NGOs and academic organisations, in partnership with the Gender Community of the United Nations Solution Exchange in India. Report to be published by GIZ.

  • 2012

Co-leader of the Evaluation of Achievements and Performance of the Mountain Forum and the Mountain Partnership Secretariat during the latest phases of their contracts with SDC, Berne. This mandate included detailed institutional and programmatic analyses of the Mountain Partnership Secretariat (MPS) in Rome and the Regional Hubs of the Mountain Forum (MF) in Latin America, North America, Asia and the Pacific. The goal of the assignment was to support strategic re-orientation, adjustment in management structures and processes to enhance the impact of the MPS and MF on promoting Sustainable Mountain Development (SMD) globally. In addition to standard evaluation procedures, the assignment called for providing strategic guidance to SDC about whether and how to take forward the partnership with the MF and MPS and how to strengthen planning processes at its Mountain Program to increase the effectiveness of its investment on SMD through more targeted funding. The evaluation was conducted mainly through phone and skype calls, with the final presentation made at SDC, Berne, and at the Rio+20 Conference in Brazil.

  • 2012

International team leader (with a team of national consultants) for a strategic evaluation of DFID and SDC projects in Nepal, from the perspective of Gender and Social Inclusion. The evaluation provided lessons to the two commissioning organisations, the World Bank and other international agencies who are part of the Social Inclusion Advisory Group in Nepal, and national organisations such as the Government of Nepal. 

  • 2012-2014


Convenor of action groups on community-based microfinance, and Voluntary Savings, for the United Nations Solutions Exchange, Microfinance Community. Policy advice on both issues was sent to the Planning Commission, Government of India., contributing to the national policy making processes.

  • 2012

Team leader for Evaluation and Impact Assessment of the 10,000K Women's Enterprise Training in India supported by Goldman Sachs, for the International Centre for Research on Women, Washington. The study included an environment assessment and case studies of 50 women entrepreneurs, and provided strategic advice to the corporation, Goldman Sachs.

  • 2012-2014


Facilitation of strategic thinking by a group of international agencies in Nepal, for DFID and Swiss Agency for Development Co-operation (SDC) Nepal, and on issues of Food Security & Conflict Transformation, and Sustainable Livelihoods and Climate Change, for partners of ICCO, an international NGO, in India, Nepal, Bangladesh, Afghanistan and Pakistan. Facilitated a conference on Social Protection, with special emphasis on protection and promotion, efficiency and effectiveness of targeting and design of social policies and programmes. Strategic thinking on development partnerships facilitated in training programmes in Durham Business School, Durham University, UK.

  • 2011

Co-Team Leader for the Evaluator of a Programme for Climate Change and human security: Vertical Shaft Brick Kiln (VSBK) Programme of Swiss Development Agency, Berne, in Nepal. This programme involved support to an international technical organisation for social and technology support in Nepal. The assignment involved strategic advice to SDC Nepal and Berne for future funding of the project.

  • 2011

Member of the Review Team of Rajghat Education Centre of Krishnamurti Foundation India, Varanasi, which is located on the banks of the river Ganga, and where river erosion and water pollution create a big risk to security and rural and urban livelihoods.  Made suggestions on programme design for the future.

  • 2011

International team leader for Impact study and evaluation of Micro Enterprise Development Programme (MEDEP) of UNDP, Nepal. The programme reached 40,000 rural women in Nepal, and the evaluation included assessing economic, social and empowerment impacts of livelihoods interventions.

  • 2010-2012

Evaluator for a Social Development Review of the Chars Livelihoods Programme, Bangladesh. The Chars are chronic flood prone regions of Bangladesh with ultra-poor populations.  The social development findings and training material developed was used for over 140,000 women in the Chars region.  The assignment included a review of the Village Savings and Loan Groups of CLP Bangladesh.

  • 2010

Lead consultant for a Participatory Review and Strategy Development for Social and Child Protection, for Save the Children in India, Nepal and Bangladesh.

  • 2004-2009


Assignments in Kyrgyzstan, India, Tajikistan, with Camp Kohistan and the Centre for Environment and Development (CDE), University of Berne, Switzerland. The engagements in the Central Asian region involved the following:

  • Participation in a two-week workshop in Kyrgyzstan, in Issykul and Son Kul, organised under the National Centre of Competence in Research – North South (NCCR-NS) funded by the Swiss National Science Foundation. I participated in and led the gender discussions resulting in an edited volume of papers with gender and natural resource management perspectives.
  • Presentation and discussion session on gender and sustainable development at an Annual Meeting of AGOCA (Alliance of Central Asian Mountain Communities), the alliance includes organisations from Kyrgyzstan, Uzbekistan, Kazakhstan and Tajikistan.
  • Participation and presentation on a session on Gender at a national forum on Migration organised by Camp-Kohistan in Tajikistan.
  • Advice on women's empowerment and sustainable rural livelihoods through women's collectives in rural Tajikistan, to NCCR-NS, Tajikistan office.
  • Mentored the Chief Executive of Camp-Kohistan, and guided her attachment at Sampark, Bangalore to enable learnings on NGO management, fundraising and empowering impacts on the community.
  • Meetings with faculty and lecture to students at the University of Central Asia, in Dushanbe.
  • Doctoral support and post-doctoral fellowship and association as a gender expert resulting in an edited volume with 14 papers on Gender and Sustainable Development, published as a key project output of the CDE, Berne.
  • 2008

Annual Review of Phase 1 of the Challenging Frontiers of Poverty Reduction, a programme working for Ultra Poor, BRAC, Bangladesh.  I evaluated the enterprise programme of CFPR, and gender and social development components. This project has an outreach to over 100,000 women who live in climatically fragile regions of Bangladesh, facing extreme vulnerabilities and poverty. 

  • 2007

Consultant for Evaluation and development of Case Studies on Cluster Development and Local Economic Development in India, ILO, Delhi. The review covered MPDPIP's district level work, and Rural Business Hubs, a scheme of the Panchayati Raj Department, Government of India and Confederation of Indian Industry (CII).  The districts were remote, drought prone and climatically vulnerable, leading to strain on the livelihoods of the poor.


  • 2007

Lead Consultant for Empowering Women through Microfinance: A Policy and Programme Review, conducted for CARE India, for contribution to the Planning Commission in India. 

  • 2006

Team leader for the Evaluation of ILO's programme on Prevention and Elimination of Bonded Labour in South Asia (PEBLISA), India Chapter. This evaluation resulted in two papers published by ILO Country office, Delhi.

  • 2006

Team Leader for Evaluation of 900 Self-Help Groups (SHGs), promoted by the Sustainable Tribal Empowerment Programme (STEP), an EU funded programme for poverty alleviation in four districts of Andhra Pradesh, India.

  • 2005-2006

Employed as a Senior Economist at the     International Labour Organisation, Geneva, as an expert on impact assessments for the Small Enterprise Development (SEED) unit of the Employment Department of ILO, Geneva.

  • 2004-
  • 2005

PhD researcher, and co-coordinator of the gender theme in the programme Centre for Development and Environment (CDE), University of Berne, Switzerland.  CDE sponsored the completion of my PhD as part of its programme National Centre for Competence in Research (NCCR) North-South. I co-edited 14 papers from researchers in 10 countries, to produce a publication for the NCCR programme.

  • 2004

Team leader for Participatory Evaluation of the Project of International Resources for Fair Trade, Mumbai, for enterprise support for poverty reduction, Traidcraft, UK.

  • 2004


Lead Trainer for Preparation and Piloting of an Enterprise Training Manual for the Cooperative Promotions Department, Thailand, through Regional office of the Food and Agricultural Organisation (FAO), Bangkok.



Team Leader for Participatory Impact evaluation of a North-South Research Partnership, for an Indo Swiss Collaborative Research Project, conducted for Commission for Research Partnerships with Developing Countries (KFPE), Berne.


Evaluator of the Asia Pacific and Arab States Regional Programme on Enterprise and Empowerment of Women Migrant Workers in Asia, Philippines, for UNIFEM Bangkok. The project focussed on climatically vulnerable regions of Philippines.



Consultant for the Annual review of North Eastern Regional Community Resource Management Programme of IFAD, UN, in Assam, Meghalaya and Mizoram, for UNOPS, Malaysia. The project aimed to strategize sustainable livelihoods and enable women to take leadership positions in the natural resource management institutions in their villages.


Consultant for the Annual Review of Challenging Frontiers of Poverty Reduction, a programme working for Ultra-Poor, BRAC, Bangladesh. I evaluated the enterprise programme of CFPR. The review included an overview of the IGVGD and VGF programme of the Bangladesh government.  The project was located in climatically fragile regions, prone to droughts, floods and cyclones.


Lead consultant for Evaluation and Documentation of a Project to Pilot Gender-sensitive Finance for Small-scale Entrepreneurs for UNIFEM, Bangkok, implemented by Population and Community Development Association (PDA) Thailand. This resulted in a publication - Nothing Ventured Nothing Lost - by UNIFEM, Bangkok.


Evaluator of a project for Rural Livelihood Systems for the Shepherd Community in Mehboobnagar district of Andhra Pradesh, Natural Resource Management Programme of Andhra Pradesh.


Team member for mid-term evaluation of the microfinance operations of Phase VI Programme of Proshika, an NGO in Bangladesh. Client: DFID, UK>


Team member for evaluation of the Women's Credit and Enterprise Project of Jordanian Hashemite Fund for Human Development (JOHUD), Jordan. Client: University of Swansea, UK


Evaluator for UNIFEM, Bangkok, for documenting experiences of a project to pilot Gender Sensitive Finance for Small Scale Entrepreneurs, implemented by PDA, a leading NGO in Thailand.


Team member for evaluation of a the Rural Development Programme (RDT IV) of BRAC, Bangladesh, for a donor consortium co-ordinated by NOVIB, Netherlands, 1999.  I assessed the women's enterprise and empowerment component of the project.


Evaluator of the impact of loans extended by FWWB to NGOs in Andhra Pradesh and Karnataka, and the loans extended to women's self-help groups by the NGOs by Friends of Women's World Banking (FWWB), India .


Team leader for a participatory programme evaluation of the Madakasira Project of Myrada, an NGO in Karnataka, India.Plan International, India .


Independent consultancy assignments and teaching at the University of Stirling, UK, Durham University, UK, evaluations for UN agencies and donors.


Director, Southern Region, responsible for a large project, the Rural Development Trust in Anantapur, Andhra Pradesh.


Manager, National Institute of Design, Bangalore office.  I was on deputation from IDBI, and was responsible for initiating and executing a wide range of design education and design innovation projects in the public, social and private sector.  During this stint, I realised the need for technology, design and marketing support to craft groups and NGOs.


Industrial Development Officer at the Industrial Development Bank of India (IDBI), Mumbai and Bangalore.  I supported the establishment of 16 state level institutions for promoting rural entrepreneurship and assessed applications of NGOs and training organisations working in the field of rural development, and created outreach to the poor, women, and socially disadvantaged groups.  I also worked on disbursement of funds to small, medium and large enterprises in Karnataka. The work with the development bank convinced me of the need to do more than simply facilitate the access to finance. 


Research Associate at the Indian Institute of Managaement, Ahmedabad, Economics and Public Systems Group.  The work involved research and evaluation of rural development programmes. 


Manager and CEO of Vimla Samaj Seva Trust, Ahmedabad, India.  The Trust implemented several environmental and income generating activities including bio gas plant, dairy, milk production and marketing.


Awards & Honors

Year Awards & Honors




Staging Enabled