Meet the team

 

Doubell Chamberlain

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Doubell is the founder and managing director of Cenfri and theme manager to the FinMark Trust, responsible for their work in microinsurance and retail payment systems. He is a development economist by training, specialising in financial inclusion innovation, financial sector policy and regulatory strategy for development, access to financial services and supporting governments on making markets work for low-income individuals. Doubell has extensive experience in microinsurance, AML/CFT, distribution of financial services, optimal regulation for market development and has worked across the developing world including Africa (Botswana, Ethiopia, Kenya, Lesotho, Mozambique, Namibia, South Africa, Swaziland, Uganda, Zambia), Latin America (Brazil, Colombia, Mexico), South and Southeast Asia (India, Pakistan, Indonesia).

 

Previously, he was employed as a freelance consultant to the FinMark Trust and an engagement manager at Genesis Analytics.

 

Doubell holds a master's degree in economics (cum laude), BComm honours in economics (University of Stellenbosch/Free University of Amsterdam) and a bachelor in mathematics (University of Stellenbosch, South Africa).

 

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Twitter: @DoubellC

LinkedIn: Doubell Chamberlain

 

Hennie Bester

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Hennie Bester is a director at Cenfri. He specialises in the analysis of markets for financial inclusion purposes and designing policy and regulation to advance financial inclusion. Hennie studied economics and law at the University of Stellenbosch and also holds an LL.M degree from the University of Cambridge in the UK. He is a qualified attorney and practiced for a number of years. He served as a member of the National Parliament of South Africa (1991 - 1994) and later in the Provincial Parliament of the Western Cape (1994 - 2001).

 

He served in the cabinet of the Western Cape provincial government, first as the Minister for Business Development and Tourism, and subsequently as Minister for Community Safety. He participated in the negotiations that paved the way for South Africa’s first democratic constitution. He also chaired the Constitutional Committee which drafted the Constitution for the Western Cape Province, the only provincial constitution in South Africa.

 

Hennie has advised governments in Africa, Latin America and Asia on financial inclusion policy and regulation. Amongst others, he was the legal drafter of the regulations for mobile payment service providers (including M-Pesa) issued by the Central Bank of Kenya. He is currently involved as the policy and regulatory adviser to the team implementing the Making Access Possible diagnostic of financial access for governments across the developing world. Hennie lives with his wife and three children in the farmlands of the Karoo, South Africa.

 

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LinkedIn: Hennie Bester

 

Christine Hougaard

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Christine is a technical director at Cenfri and has been part of the team since 2008. She finds the interplay between regulation, markets and ordinary people’s lives fascinating and has managed numerous studies in the microinsurance, retail payments and broader financial inclusion field. She actively contributes to the management of the FinMark Trust insurance and retail payment systems theme areas and, at a global level, supports the work of the Access to Insurance Initiative (A2ii) Secretariat. Through various projects, she has gained exposure to the country context in Asia (India, Philippines, China, Indonesia), Latin America (Brazil, Colombia) and Africa (e.g. Zambia, Swaziland, Tanzania, Mozambique, Nigeria and Lesotho).

 

Before joining Cenfri, Christine worked as an associate at Genesis Analytics. Her work there was focused predominantly on access to finance and more specifically financial education, microinsurance and AML/CFT. She has also worked on sector development and competition economics-related projects.

 

Christine holds bachelor's and master's degrees in economics (cum laude) from the University of Stellenbosch, South Africa.

 

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Twitter: @christinehouga1

LinkedIn: Christine Hougaard

 

Herman Smit

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Herman is a Technical Director at Cenfri and has been part of the team since 2009. Since joining Cenfri, his research has focused on the broader area of financial inclusion and more specific areas of retail payments systems, Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) and microinsurance. His research work in Africa, Latin America and East Asia is predominantly focused on innovation in the delivery of financial services to low-income people. Before joining Cenfri, he lectured economics at London Varsity in Cape Town, South Africa. During his studies in the Netherlands, he also interned at PWC in Amsterdam.

 

Herman holds a masters in economics (Tilburg University, Netherlands), specialising in competition and regulation, BCom (honours) in econometrics and a bachelors in statistics (University of Pretoria, South Africa). 

 

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Twitter: @Herman_Smit

LinkedIn:  Herman Smit

 

Celina Lee

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Celina leads the i2i facility from a position of deep-seated excitement about all things data  from statistical analysis and measurement frameworks to data mining and GIS. She has dedicated her career to finding ways to collect, analyse and use data for better decision-making and to enhance people's lives. Celina joined i2i from the world of independent consulting. Before that, she headed up monitoring and evaluation work at the Alliance for Financial Inclusion (AFI), where she led the development of the core set of financial inclusion indicators. Celina has worked with various actors in the financial inclusion space, including central banks, microfinance associations, international development partners, multilateral institutions and non-profits.

 

Celina has worked and lived in Latin America, Asia, and Africa. In addition to financial inclusion, Celina also has experience in micro and small enterprise development, market system development, climate change, gender and public health. Celina holds a bachelor of science in applied mathematics and a master's in international affairs in policy and economic analysis, both from Columbia University in New York.

 

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Twitter: @celina_i2i

LinkedIn: Celina Lee

 

Barry Cooper

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Barry is a technical director at Cenfri and has been part of the team since June 2013. Since joining Cenfri, Barry has collaborated with Cenfri on their retail payments thematic area and has been part of the MAP diagnostic team in Swaziland, Mozambique and Malawi, amongst others. In the process he has gained detailed knowledge of the financial regulatory and supply side landscapes, national payments systems and emerging payment related initiatives in the different jurisdictions. Barry is also currently involved in the focus group on digital financial services at the ITU, Geneva, tasked with formulating international guidelines for digital financial services including interoperability, financial ecosystems, consumer protection and technology, innovation and competition.

 

Previous to Cenfri, Barry started his career in the insurance industry and moved on to the banking industry with significant exposure to payment systems, wholesale and consumer banking as head of consumer banking operations, South Africa for an international bank. Barry has a particular interest in the development and regulation of digital payment instruments and currencies, with an emphasis on the human rights impact of financial regulation. He is also a legal advisor, by profession.

 

Barry holds a B.Com (legal) from the University of the Witwatersrand and an LLB from the University of South Africa.

 

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Twitter: @BarryCoops1

LinkedIn: Barry Cooper

 

Mia Thom

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Mia is a technical director at Cenfri and has been part of the team since 2012. Since joining, Mia has focused on exploring business models used to deliver financial services to the low-income market, as well as developing and supporting market developement strategies to improve financial inclusion. Before joining Cenfri, she worked as a senior manager at Deloitte (Cape Town) Financial Services Group, where she gained extensive experience in the legislative and institutional aspects of a range of financial services. Whilst at Deloitte, Mia also participated in industry groups involving SAICA (South African Institute of Chartered Accountants), FSB (Financial Services Board) and ASISA (Association for Savings and Investments SA).

 

Mia is a qualified chartered accountant (CA) and has passed level three of the chartered financial analyst (CFA) exams. She also holds honours degrees in both accounting and economics from the University of Stellenbosch and a master's degree (cum laude) in developement finance from Stellenbosch Business School.

 

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Twitter: @ThomMia

LinkedIn: Mia Thom

 

Abenaa Addai

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Over the last 20 years, Abenaa has specialised in analysing and researching financial markets from a regulatory perspective, as well as on how to make them work for lower-end customers. She has worldwide industry experience gained through management positions with financial service providers and social and financial investment funds. Over the years, Abenaa has led teams in conducting primary and secondary research on making markets work for low-income individuals. She combines her financial inclusion diagnostic skills and uses a holistic approach to examine demand, supply and regulation across savings, credit, insurance, and payment systems.

 

Before joining i2i, Abenaa established and managed a consulting company based in Mozambique, specialising in agriculture and finance, translating her experience into concrete solutions to the issue of financial inclusion for the underpriviledged. Based on findings gained through a pragmatic approach in working with the underbanked population, she developed and contributed to more inclusive financial systems.  

 

Abenaa has a masters degree in Economics from the University of Göttingen, Germany and a post-graduate degree in Development Studies of the University of Berlin, Germany.

 

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LinkedIn: Abenaa Addai

 

Stephanie van der Westhuizen

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Steph is the chief operating officer of Cenfri and has been part of the team since June 2015. She is responsible for the enablement function which includes human capital management, finance, the project office, office management and IT. Previous to Cenfri, Steph spent a number of years in various positions within the financial services industry in South Africa and the United Kingdom before making the transition to project implementation and programme management. In this capacity, she managed a wide portfolio of projects including regulatory changes (Solvency II, pension reform), business transformation (finance, HR) as well as business and product launches within a large life insurance company.

 

She holds a BComm honours from the University of Stellenbosch and is qualified as a chartered management accountant (CIMA) and project management professional (PMP).

 

Steph and her husband live with their three daughters in Cape Town.

 

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LinkedIn: Stephanie Van der Westhuizen

 

Christiaan Loots

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Christiaan is an engagement manager at Cenfri and has extensive data and quantitative analytics experience, particularly with FinScope. He joined Cenfri as a researcher in June 2012, and has since been involved in diverse projects ranging from research on the informality of microinsurance in South Africa (2012) to exploring opportunities for financial inclusion in Nigeria (Nigeria Access to Finance Survey 2012) commissioned by EFInA. He was part of the team that conducted the MAP Myanmar diagnostic during 2013, where the team developed a new analytical framework including target markets, and captured the inter-relationships between the usage of credit, savings, insurance and payments. In addition, he was part of the project management team for a market update of the South African credit insurance market (2013), and was part of a team that conducted the Programme Completion Review for the DFID Nigeria advocacy programme ENABLE, as well as a cross-country review of risks, costs and incentives inherent in FSD programmes in Africa in 2014.

 

Before joining Cenfri, Christiaan worked as a credit risk analyst at a leading South African catalogue marketing company operating throughout Southern Africa, where he was involved with various aspects of retail credit risk management.

 

Christiaan holds a master's in economics, BComm honours in economics and bachelor degree in management sciences (University of Stellenbosch, South Africa).

 

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Twitter: @ChristiaanLoots

LinkedIn: Christiaan Loots

 

Louise de Villiers

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Louise is an engagement manager at Cenfri and has been part of the team since February 2015. Prior to joining Cenfri, Louise was survey manager at Southern Africa Labour and Development Unit (SALDRU) at the University of Cape Town. She has 10 years' experience working on ground-breaking, South African research projects. Amongst others, she worked on the first national panel in South Africa, the National Income Dynamics Study (NIDS). At NIDS, she was responsible for the project management of this multi-million rand project during a transitional phase. She oversaw NIDS becoming the first nationally representative panel survey in South Africa, while at the same time becoming the first survey of this magnitude and complexity to make use of computer assisted personal interviewing (CAPI) technology in South Africa. The survey contacts almost 40,000 people in 10,000 households every two years.  The survey is conducted in all 11 South African languages, in all 9 provinces.

 

Prior to that, Louise also worked on the first Financial Diaries project as a data manager. Louise has consulted to Doctors Without Borders (MSF) and the Unilever Institute. Louise specialises in survey methodology, questionnaire design and data management.

 

Louise has an MPhil in knowledge management (University of Cape Town) and a bachelor of business science (University of Cape Town).

 

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Twitter: @DataWhisper

LinkedIn: Louise De Villiers

 

David Saunders

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David joined Cenfri in 2012 as knowledge manager responsible for bringing together and packaging Cenfri's work in inclusive financial services, supporting projects across sub-Saharan Africa, Asia and Latin America. In this role, he has worked with the research teams to produce and share knowledge generated through Cenfri’s Making Access Possible (MAP) financial inclusion diagnostic programme, the insight2impact data facility and microinsurance and retail payments thematic work. He has coordinated and developed open-enrolment and in-housing trainings on microinsurance and national payment systems in Kenya, Malawi, South Africa and Zimbabwe.

 

He was part of the core team responsible for generating the Making Access Possible (MAP) global insight series which drew on research conducted in Lesotho, Malawi, Mozambique, Myanmar, Swaziland and Thailand and explored the behaviour of government, providers and consumers in the market for financial services. He has also generated research focused on the potential of mobile phones and technology more broadly to unlock valuable and viable financial services in developing countries.

 

Before joining Cenfri, David worked as a fellow at the ILO's Microinsurance Innovation Facility in Geneva, Switzerland, supporting the activities of the knowledge team. Prior to that, David worked as an assistant project manager at the Alliance for Financial Inclusion (AFI) in Bangkok, Thailand.

 

David holds a bachelor degree in economics from Furman University in South Carolina. 

 

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Twitter: @saunderdj13

LinkedIn: David Saunders

 

Jeremy Gray

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Jeremy is a senior research associate at Cenfri and has been part of the team since 2012. He has worked on MAP (Making Access Possible) projects in Swaziland, Lesotho and Zambia. Previously, he worked on a number of microinsurance projects including an A2ii cross-country synthesis study, which involved analysing and synthesising the various microinsurance business models, inherent risks and appropriate regulatory responses found globally; the ILO Microinsurance Innovation Facility's scale study, which entailed examining the major drivers of scale in global microinsurance initiatives; and on a study comparing insurance markets and their relative development across the SADC region as an input into the harmonisation process. Prior to joining Cenfri, he worked as a mining researcher advising major South African mining companies on global economic trends, specifically on commodity price movements.

 

Jeremy completed his master's in economics (cum laude) in 2011 at the University of Kwa Zulu-Natal. He also holds a B.Soc.Sci (hons) in economics and a B.Soc.Sci (PPE) from the University of Cape Town.

 

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LinkedIn: Jeremy Gray

 

Catherine Denoon-Stevens

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Cat is a senior research associate at Cenfri and has been part of the team since 2012. At Cenfri, her research has focused on building access to inclusive insurance markets, specifically the harmonisation of insurance regulation within the Southern African Development Community (SADC) region; innovative financial services distribution models; and Making Access to Financial Services Possible (MAP) studies in Southern Africa and South Asia. In addition, she is part of the team that runs Cenfri’s capacity building portfolio, coordinating open-enrolment and in-house executive education trainings in microinsurance and national payment systems.

 

Before joining Cenfri, Cat worked on the capacity building team of the Microinsurance Innovation Facility, housed within the United Nations International Labour Organisation, and as a project assistant at the African Centre for Cities on a World Bank Institute funded project focused on facilitating South-South knowledge exchange. Her background prior to this is in commercial property, finance and investment through a graduate internship at Eris Property Group (Pty.) Ltd. (formerly Rand Merchant Bank Properties) in Johannesburg, South Africa.

 

Cat holds her master's in development finance from the University of Cape Town Graduate School of Business (summa cum laude), and a bachelor of science (honours) in property studies from the University of Cape Town.

 

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Twitter: @Cat Denoon-Stevens

LinkedIn: CatDStevens

 

Mari-Lise du Preez

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Mari-Lise is i2i's partnerships manager. This gives her an opportunity to put her interest in networks and partnerships to practical use. She is interested in the social aspects of learning and innovation. Before joining i2i, Mari-Lise worked as independent consultant for clients including the Institute for Justice and Reconciliation (IJR), the Gordon Institute of Business Science (GIBS) at the University of Pretoria and the Sustainability Institute. Prior to that, she was programme manager at the South African Institute of International Affairs (SAIIA). She also lectured at UNISA. Mari-Lise holds an MA in international studies from the University of Stellenbosch.

 

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Twitter: @MariLiseDuP

LinkedIn: Mari-Lise du Preez

 

Jaco Weideman

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Jaco is a senior researcher at Cenfri and has been part of the team since November 2014. Since joining the team, Jaco has been involved in several projects in Mozambique and South Africa. Jaco has been part of the team conducing MAP diagnostics in Mozambique, Madagascar and DRC, responsible for FinScope data analysis, and segmentation to identifying potential target groups for financial services providers in the country. In addition, he has supported the SADC microinsurance harmonisation process and contributed to guidance briefs aimed at making insurance viable for orphans and vulnerable children affected by HIV.

 

Prior to joining Cenfri, Jaco was a lecturer at the University of Pretoria. During his time in Pretoria, Jaco was also responsible for the econometric modelling components of several independent international trade related projects for the Department of Trade and Industry as well as the Department of International Relations and Cooperation.

 

Jaco holds a master's in econometrics (cum laude) from the University of Pretoria, an honours in econometrics from the University of Pretoria and a bachelor in economics from the University of South Africa. He is fluent in German and French.

 

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Twitter: @jaco_weideman

LinkedIn: Jaco Weideman

 

Albert van der Linden

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Albert is a senior researcher at Cenfri and has been part of the team since January 2015. Since joining Cenfri, Albert has been involved with the MAP (Making Access Possible) projects in Malawi, Cambodia and Nepal, in addition to providing support for a funeral parlour project assessing regulatory options for the FSB.

 

Prior to joining Cenfri, Albert spent a year in Canada working as an independent consultant for HS Business Solutions. He worked on an economic landscaping study for the Overberg region, a marketing strategy for the renewable energy sector in Atlantis and an SMME business potential study for the department of tourism and development.

 

Albert holds a master's and an honours degree in economics from the University of Stellenbosch.

 

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Twitter: @Albert_vdL

LinkedIn: Albert Van der Linden

 

Wicus Coetzee

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Wicus is a senior researcher at Cenfri and has been part of the team since January 2015. Since joining Cenfri, Wicus has assisted with a project assessing the corporate governance of a development programme in Pakistan, he reviewed a study evaluating the value of microinsurance, as well as working on MAP projects in Malawi, Zambia and the DRC. Prior to joining Cenfri, Wicus worked as a freelance researcher for the University of Stellenbosch in 2014, where he conducted research on female fertility and labour force participation in sub-Saharan Africa. Together with another consultant, he also estimated a consumer demand system for the National Treasury of South Africa. In 2013, he was part of a team which researched education and poverty in SSA for UNICEF.

 

Wicus holds a master's degree in economics (cum laude) from the University of Stellenbosch and an honours degree in economics (cum laude) from the University of Stellenbosch. During his studies, he also spent a semester at the University of Zurich studying computational economics and econometrics.

 

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Twitter: @Wicuscoetzee

LinkedIn: Wicus Coetzee

 

Krista Nordin

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Krista Nordin is a senior researcher on the i2i Client Insights team. She has a thirst for knowledge and enjoys big-picture thinking and tinkering with complex problems.

 

Before joining i2i, Krista was a product manager at Oracle for the Oracle Database. She holds a bachelor of science in engineering from the Massachusetts Institute of Technology.

 

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Twitter: @kristamnordin

LinkedIn: Krista Nordin

 

Michiel Wolwers

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Michiel is a research associate working within i2i’s Client Insights team. His passion is to make research relevant, insightful and actionable, with the ultimate aim to create a positive impact on reducing inequality. Michiel compliments the i2i team with his experience in data collection, analysis and project management for a wide variety of financial inclusion stakeholders.

 

Before joining i2i, Michiel worked as a consultant for CGAP on a project to increase the adoption of mobile money payments in Ghana. Prior to that, Michiel co-founded e-kulki, a mobile wallet-based savings group fintech company in Colombia, as well as acting as consultant on various projects for UNCDF, IFC, MicroSave, Enclude, amongst others. Throughout his work, Michiel aims to keep the end-user at the centre of attention. In his 8+ years within digital international development finance, Michiel has worked on projects in Bolivia, Cambodia, Colombia, Ethiopia, Kenya, México, The Netherlands, Togo, Ghana, South Africa and the United Kingdom.

 

Michiel holds a master of research in international development from the University of Bath as well as a bachelor's degree in financial auditing from the University of Applied Science Utrecht.

 

Email: Michiel@i2ifacility

Twitter: @MichielWolwers

LinkedIn: Michiel Wolwers

 

Antonia Esser

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Antonia is a researcher at Cenfri and joined the team in April 2016. Before Cenfri, she worked in Tzaneen, Limpopo, as a project manager for South Africa's largest pro-poor microfinance organisation, in the Small Enterprise Foundation (SEF). Operating in the most rural and poorest areas of the country, she was in charge of SEF's financial education programme, where the basic concepts of managing debt, accounting and business skills are taught to clients. She also led a pilot on the potential transformation from joint to individual liability and designed a Financial Diaries project together with the University of Johannesburg and Bankable Frontier Associates (BFA) to better understand the impact of credit on a client's life.

 

Antonia holds a master's degree in international trade, finance and development, from the Barcelona Graduate School of Economics, and a bachelor's degree in economics from the University of Birmingham. In addition to her native German, she speaks Spanish fluently.

 

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Twitter: @anteater_yis

LinkedIn: Antonia Esser

 

Rose Peter

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Rose is a researcher at Cenfri and joined the team in May 2016. Before working at Cenfri, she worked as a data quality control assistant for the National Income Dynamics Study (NIDS) based within the Southern African Labour Development Research Unit (SALDRU) at the University of Cape Town. She was part of a team responsible for ensuring the quality and usability of South Africa's first nationally representative panel study. Prior to this, Rose worked as a research intern at the Abdul Latif Jameel Poverty Action Lab (J-PAL), assisting on a pilot study on obesity and nutrition. She also worked as a research assistant within the UCT School of Economics, assisting with various research projects related to job search, assisting in compiling a database of real-time GDP data, and assisting with the cleaning of the Manpower Survey Data to increase its usability. Rose has also tutored quantitative methods in economics for third-year students, and various SALDRU Stata courses within the UCT School of Economics.

 

Rose graduated with a master's in applied economics (with distinction) in 2016 from UCT. She also holds a bachelors of commerce (honours) in economics from UCT.

 

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Twitter: @tuyenipeter

LinkedIn: Rose Tuyeni Peter

 

Kate Rinehart

Kate RinehartKate is a research analyst working within i2i’s Client Insights team. Her research predominately focuses on finding the balance between data protection and financial inclusion innovation when using client data.

 

Before joining i2i, Kate worked as a programme coordinator for Truelift, a global trust mark that signifies commitment to enduring change for people affected by poverty. Previous to that, she helped design and launch a pilot study on child trafficking with Seva Mandir and Child Fund in Udaipur, India, as well as on a mobile health technology project in Haiti with the University of Texas Health Centre.

 

Kate holds a bachelor of arts degree in international studies with a focus on Africa, from the Southern Methodist University in Dallas, Texas; and is currently pursuing a master’s degree in development studies from the University of Cape Town.

 

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LinkedIn: Kate Rinehart

 

Renée Hunter 

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Renée is a research analyst working within i2i’s Client Insights team. Her research to date has mostly focused on client centricity and data protection. Before joining i2i, Renée worked as a junior researcher at Cenfri, and before that as a junior business developer for Divitel – an independent video systems integrator. Whilst there, Renée was responsible for devising a strategic plan to enter the emerging eHealth market in Benelux and Germany. Prior to that, she worked at the South African Institute of International Affairs, where she co-authored a study on regional barriers to business in the SADC region.

 

Renée holds a bachelor's degree with honours in international relations and international organisation from the University of Groningen in the Netherlands; and is currently completing her thesis on sustainable development, for her honours degree in philosophy, politics and economics at the University of Cape Town.

 

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Twitter: @reneeshunter

LinkedIn: Renée Hunter 

 

Leonard Makuvaza

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Leonard is a senior researcher working within i2i’s measurement team. Leonard’s primary focus at i2i is developing measurement frameworks that result in financial inclusion initiatives and thus improve welfare for low-income individuals. Leonard is an ardent development economist who has a strong interest in using market-driven approaches to achieve development outcomes.

 

Prior to joining i2i, Leonard was working as a team leader within the United Nations Population Fund (UNFPA), focusing on programme efficiency and investment. He has also worked with the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH in Namibia and Zimbabwe, offering technical support to GIZ country offices in rolling out the Cost Benefit Projection Tool in private sector companies.

 

Leonard holds a master’s degree in economics from the University of Namibia and a bachelor’s degree with honours in agricultural economics from the University of Zimbabwe.

 

 

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LinkedIn: Leonard Makuvaza

 

Baraka Msulwa

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Baraka is a researcher at Cenfri and has been part of the team since November 2016. Before joining Cenfri, he worked as a research assistant at the Bertha Centre for Social Innovation and Entrepreneurship, at the University of Cape Town Graduate School of Business.

 

Prior to this, Baraka worked at Standard Chartered Bank as an international graduate associate. As part of his role, he conducted comprehensive risk analysis in the preparation of corporate credit applications in Tanzania; and whilst on secondment in Dubai, he provided support to the Middle East mergers and acquisitions team.

 

Baraka holds a master’s degree in development finance from the University Of Cape Town Graduate School of Business (with distinction); a bachelor of commerce (honours) in economics and a business science in finance degree from the University of Cape Town.

 

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LinkedIn: Baraka Msulwa

 

Keith Mudadi 

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Keith is a senior research analyst at Cenfri. Since joining, his research has focused on data sharing, remittances, regulatory approaches in inclusive insurance (m-insurance), illicit financial flows and anti-money laundering and combatting the financing of terrorism (AML/CFT). Before joining Cenfri, he worked as a consultant in financial sector developement at the African Development Bank in Cote D'Ivoire. At the African Developement Bank, is focus area was in SME Finance. He also assisted a research project on assessing the financing gaps in Africa.

 

Keith is an Opec Fund for Internatinal Developement (OFID) Scholar. He holds a master's degree in finance and developement from the School of Oriental and African Studies (University of London). His master's thesis was on "Mobile Banking in Zimbabwe: Adoption & Use". Keith also holds a BSc (hons) in economics from the University of Zimbabwe.

 

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LinkedIn: Keith Tatenda Mudadi

 

Amanda Schoeman

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Amanda joined Cenfri in February 2016 as a personal assistant for the insight2impact (i2i) facility. She has nearly 40 years of extensive secretarial and administrative experience, dealing directly with ambassadors, councillors, CEOs and top management executives in the private and government sectors, both locally and internationally. Furthermore, she has experience in financial, project and event management. She also enjoys research and technical drawings.

 

In her spare time, Amanda enjoys taking roadtrips, travelling and reading. At the moment, she is learning how to speak French.

 

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Linet Engelbrecht

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Linet is Cenfri's office manager and has been an integral part of the team since 2013. Before joining Cenfri, Linet worked in public relations for seven years where she helped to build the profile her corporate clients’ brands. In addition, she has over 15 years’ experience as a personal assistant within a variety of organisations. Linet is a wonderfully friendly and helpful person whose passion for Cenfri and pride in her work makes her an asset to the team. She is married with two grown-up children.

 

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Twitter: @LinetEng

LinkedIn: Linet Engelbrecht

 

Marie Gouws

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Marie is Cenfri's receptionist and has been with the company since February 2015. Previously, she has worked as a receptionist at JPF Financials (Pretoria), where she was additionally in charge of capturing policies. Since then, she worked as an HR clerk at Gage Specialist, and was the Office Administrator for SPCA (both in Phalaborwa), before moving to Cape Town with her family.

 

Marie enjoys being in nature and reading, but her two children keep her busy most of the time.

 

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Tessa Kock

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Tessa is Cenfri’s financial controllor and has been part of the team since 2009. She has more than 20 years' experience in the private, academic and not-for-profit space, having previously worked at institutions such as the Labour Research Services, as an administrator, the Economic Policy Research Service (University of the Western Cape), as project administrator and financial manager, and IN-FORM Systems as a financial and office manager. Tessa is passionate about supporting development with a particular focus on labour. Tessa is an avid walker and takes to the streets of Cape Town between work and raising her twin sons and daughter.

 

Tessa holds a bachelor's degree in environmental and geographical sciences and public administration from the University of Cape Town.

 

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LinkedIn: Tessa Kock

 

 

Linda Stanford

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Linda joined the Cenfri team at the beginning of 2016 as its in-house accountant. Besides this, she supports management through monitoring and achieving its financial goals. Linda has a diverse working profile, having experience abroad in various financial positions, specialising in exports and imports and providing training and customer support of procurement solutions to local and provincial government departments. She was also involved in the implementation of electronic solutions for government’s Preferential Procurement Policy Framework Act, - later the BBBEE and she assisted in the building of a centralised supplier database. Over the last 8 years, Linda worked for Sanlam Life Insurance as a retirement fund accountant. Her passion lies in the development and implementation of systems to ensure the efficient running of an organisation, in addition to the delivery of high quality work to enhance business operations.

 

Linda holds a national diploma in cost and management accounting and in business administration from the Cape Peninsula University of Technology.

 

She is a mother of two and enjoys gardening and doing pilates in her spare time.

 

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LinkedIn: Linda Stanford

 

Janine Willemburg

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Janine is the personal assistant to the managing director of Cenfri and also gives assistance to three of the other directors and COO. She has been part of the team since May 2015. Janine has more than 16 years of experience as a personal assistant in the insurance, retail, finance, health and educational sectors. She has previously worked for the IT at Old Mutual, finance at the Foschini Group, financial services and tax department at PwC and was in New Zealand for four years, where she worked in various fields.

 

Janine is passionate about helping people and giving back to the community, and is always busy with various charity initiatives. She has three sons and is always busy carting them around between social, sports, and academic commitments.

 

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LinkedIn: Janine Willemburg

 

Meet the team

 

Doubell Chamberlain

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Doubell is the founder and managing director of Cenfri and theme manager to the FinMark Trust, responsible for their work in microinsurance and retail payment systems. He is a development economist by training, specialising in financial inclusion innovation, financial sector policy and regulatory strategy for development, access to financial services and supporting governments on making markets work for low-income individuals. Doubell has extensive experience in microinsurance, AML/CFT, distribution of financial services, optimal regulation for market development and has worked across the developing world including Africa (Botswana, Ethiopia, Kenya, Lesotho, Mozambique, Namibia, South Africa, Swaziland, Uganda, Zambia), Latin America (Brazil, Colombia, Mexico), South and Southeast Asia (India, Pakistan, Indonesia).

 

Previously, he was employed as a freelance consultant to the FinMark Trust and an engagement manager at Genesis Analytics.

 

Doubell holds a master's degree in economics (cum laude), BComm honours in economics (University of Stellenbosch/Free University of Amsterdam) and a bachelor in mathematics (University of Stellenbosch, South Africa).

 

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Twitter: @DoubellC

LinkedIn: Doubell Chamberlain

 

Hennie Bester

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Hennie Bester is a director at Cenfri. He specialises in the analysis of markets for financial inclusion purposes and designing policy and regulation to advance financial inclusion. Hennie studied economics and law at the University of Stellenbosch and also holds an LL.M degree from the University of Cambridge in the UK. He is a qualified attorney and practiced for a number of years. He served as a member of the National Parliament of South Africa (1991 - 1994) and later in the Provincial Parliament of the Western Cape (1994 - 2001).

 

He served in the cabinet of the Western Cape provincial government, first as the Minister for Business Development and Tourism, and subsequently as Minister for Community Safety. He participated in the negotiations that paved the way for South Africa’s first democratic constitution. He also chaired the Constitutional Committee which drafted the Constitution for the Western Cape Province, the only provincial constitution in South Africa.

 

Hennie has advised governments in Africa, Latin America and Asia on financial inclusion policy and regulation. Amongst others, he was the legal drafter of the regulations for mobile payment service providers (including M-Pesa) issued by the Central Bank of Kenya. He is currently involved as the policy and regulatory adviser to the team implementing the Making Access Possible diagnostic of financial access for governments across the developing world. Hennie lives with his wife and three children in the farmlands of the Karoo, South Africa.

 

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LinkedIn: Hennie Bester

 

Christine Hougaard

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Christine is a technical director at Cenfri and has been part of the team since 2008. She finds the interplay between regulation, markets and ordinary people’s lives fascinating and has managed numerous studies in the microinsurance, retail payments and broader financial inclusion field. She actively contributes to the management of the FinMark Trust insurance and retail payment systems theme areas and, at a global level, supports the work of the Access to Insurance Initiative (A2ii) Secretariat. Through various projects, she has gained exposure to the country context in Asia (India, Philippines, China, Indonesia), Latin America (Brazil, Colombia) and Africa (e.g. Zambia, Swaziland, Tanzania, Mozambique, Nigeria and Lesotho).

 

Before joining Cenfri, Christine worked as an associate at Genesis Analytics. Her work there was focused predominantly on access to finance and more specifically financial education, microinsurance and AML/CFT. She has also worked on sector development and competition economics-related projects.

 

Christine holds bachelor's and master's degrees in economics (cum laude) from the University of Stellenbosch, South Africa.

 

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Twitter: @christinehouga1

LinkedIn: Christine Hougaard

 

Herman Smit

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Herman is a Technical Director at Cenfri and has been part of the team since 2009. Since joining Cenfri, his research has focused on the broader area of financial inclusion and more specific areas of retail payments systems, Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) and microinsurance. His research work in Africa, Latin America and East Asia is predominantly focused on innovation in the delivery of financial services to low-income people. Before joining Cenfri, he lectured economics at London Varsity in Cape Town, South Africa. During his studies in the Netherlands, he also interned at PWC in Amsterdam.

 

Herman holds a masters in economics (Tilburg University, Netherlands), specialising in competition and regulation, BCom (honours) in econometrics and a bachelors in statistics (University of Pretoria, South Africa). 

 

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Twitter: @Herman_Smit

LinkedIn:  Herman Smit

 

Celina Lee

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Celina leads the i2i facility from a position of deep-seated excitement about all things data  from statistical analysis and measurement frameworks to data mining and GIS. She has dedicated her career to finding ways to collect, analyse and use data for better decision-making and to enhance people's lives. Celina joined i2i from the world of independent consulting. Before that, she headed up monitoring and evaluation work at the Alliance for Financial Inclusion (AFI), where she led the development of the core set of financial inclusion indicators. Celina has worked with various actors in the financial inclusion space, including central banks, microfinance associations, international development partners, multilateral institutions and non-profits.

 

Celina has worked and lived in Latin America, Asia, and Africa. In addition to financial inclusion, Celina also has experience in micro and small enterprise development, market system development, climate change, gender and public health. Celina holds a bachelor of science in applied mathematics and a master's in international affairs in policy and economic analysis, both from Columbia University in New York.

 

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Twitter: @celina_i2i

LinkedIn: Celina Lee

 

Barry Cooper

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Barry is a technical director at Cenfri and has been part of the team since June 2013. Since joining Cenfri, Barry has collaborated with Cenfri on their retail payments thematic area and has been part of the MAP diagnostic team in Swaziland, Mozambique and Malawi, amongst others. In the process he has gained detailed knowledge of the financial regulatory and supply side landscapes, national payments systems and emerging payment related initiatives in the different jurisdictions. Barry is also currently involved in the focus group on digital financial services at the ITU, Geneva, tasked with formulating international guidelines for digital financial services including interoperability, financial ecosystems, consumer protection and technology, innovation and competition.

 

Previous to Cenfri, Barry started his career in the insurance industry and moved on to the banking industry with significant exposure to payment systems, wholesale and consumer banking as head of consumer banking operations, South Africa for an international bank. Barry has a particular interest in the development and regulation of digital payment instruments and currencies, with an emphasis on the human rights impact of financial regulation. He is also a legal advisor, by profession.

 

Barry holds a B.Com (legal) from the University of the Witwatersrand and an LLB from the University of South Africa.

 

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Twitter: @BarryCoops1

LinkedIn: Barry Cooper

 

Mia Thom

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Mia is a technical director at Cenfri and has been part of the team since 2012. Since joining, Mia has focused on exploring business models used to deliver financial services to the low-income market, as well as developing and supporting market developement strategies to improve financial inclusion. Before joining Cenfri, she worked as a senior manager at Deloitte (Cape Town) Financial Services Group, where she gained extensive experience in the legislative and institutional aspects of a range of financial services. Whilst at Deloitte, Mia also participated in industry groups involving SAICA (South African Institute of Chartered Accountants), FSB (Financial Services Board) and ASISA (Association for Savings and Investments SA).

 

Mia is a qualified chartered accountant (CA) and has passed level three of the chartered financial analyst (CFA) exams. She also holds honours degrees in both accounting and economics from the University of Stellenbosch and a master's degree (cum laude) in developement finance from Stellenbosch Business School.

 

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Twitter: @ThomMia

LinkedIn: Mia Thom

 

Abenaa Addai

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Over the last 20 years, Abenaa has specialised in analysing and researching financial markets from a regulatory perspective, as well as on how to make them work for lower-end customers. She has worldwide industry experience gained through management positions with financial service providers and social and financial investment funds. Over the years, Abenaa has led teams in conducting primary and secondary research on making markets work for low-income individuals. She combines her financial inclusion diagnostic skills and uses a holistic approach to examine demand, supply and regulation across savings, credit, insurance, and payment systems.

 

Before joining i2i, Abenaa established and managed a consulting company based in Mozambique, specialising in agriculture and finance, translating her experience into concrete solutions to the issue of financial inclusion for the underpriviledged. Based on findings gained through a pragmatic approach in working with the underbanked population, she developed and contributed to more inclusive financial systems.  

 

Abenaa has a masters degree in Economics from the University of Göttingen, Germany and a post-graduate degree in Development Studies of the University of Berlin, Germany.

 

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LinkedIn: Abenaa Addai

 

Stephanie van der Westhuizen

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Steph is the chief operating officer of Cenfri and has been part of the team since June 2015. She is responsible for the enablement function which includes human capital management, finance, the project office, office management and IT. Previous to Cenfri, Steph spent a number of years in various positions within the financial services industry in South Africa and the United Kingdom before making the transition to project implementation and programme management. In this capacity, she managed a wide portfolio of projects including regulatory changes (Solvency II, pension reform), business transformation (finance, HR) as well as business and product launches within a large life insurance company.

 

She holds a BComm honours from the University of Stellenbosch and is qualified as a chartered management accountant (CIMA) and project management professional (PMP).

 

Steph and her husband live with their three daughters in Cape Town.

 

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LinkedIn: Stephanie Van der Westhuizen

 

Christiaan Loots

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Christiaan is an engagement manager at Cenfri and has extensive data and quantitative analytics experience, particularly with FinScope. He joined Cenfri as a researcher in June 2012, and has since been involved in diverse projects ranging from research on the informality of microinsurance in South Africa (2012) to exploring opportunities for financial inclusion in Nigeria (Nigeria Access to Finance Survey 2012) commissioned by EFInA. He was part of the team that conducted the MAP Myanmar diagnostic during 2013, where the team developed a new analytical framework including target markets, and captured the inter-relationships between the usage of credit, savings, insurance and payments. In addition, he was part of the project management team for a market update of the South African credit insurance market (2013), and was part of a team that conducted the Programme Completion Review for the DFID Nigeria advocacy programme ENABLE, as well as a cross-country review of risks, costs and incentives inherent in FSD programmes in Africa in 2014.

 

Before joining Cenfri, Christiaan worked as a credit risk analyst at a leading South African catalogue marketing company operating throughout Southern Africa, where he was involved with various aspects of retail credit risk management.

 

Christiaan holds a master's in economics, BComm honours in economics and bachelor degree in management sciences (University of Stellenbosch, South Africa).

 

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Twitter: @ChristiaanLoots

LinkedIn: Christiaan Loots

 

Louise de Villiers

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Louise is an engagement manager at Cenfri and has been part of the team since February 2015. Prior to joining Cenfri, Louise was survey manager at Southern Africa Labour and Development Unit (SALDRU) at the University of Cape Town. She has 10 years' experience working on ground-breaking, South African research projects. Amongst others, she worked on the first national panel in South Africa, the National Income Dynamics Study (NIDS). At NIDS, she was responsible for the project management of this multi-million rand project during a transitional phase. She oversaw NIDS becoming the first nationally representative panel survey in South Africa, while at the same time becoming the first survey of this magnitude and complexity to make use of computer assisted personal interviewing (CAPI) technology in South Africa. The survey contacts almost 40,000 people in 10,000 households every two years.  The survey is conducted in all 11 South African languages, in all 9 provinces.

 

Prior to that, Louise also worked on the first Financial Diaries project as a data manager. Louise has consulted to Doctors Without Borders (MSF) and the Unilever Institute. Louise specialises in survey methodology, questionnaire design and data management.

 

Louise has an MPhil in knowledge management (University of Cape Town) and a bachelor of business science (University of Cape Town).

 

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Twitter: @DataWhisper

LinkedIn: Louise De Villiers

 

David Saunders

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David joined Cenfri in 2012 as knowledge manager responsible for bringing together and packaging Cenfri's work in inclusive financial services, supporting projects across sub-Saharan Africa, Asia and Latin America. In this role, he has worked with the research teams to produce and share knowledge generated through Cenfri’s Making Access Possible (MAP) financial inclusion diagnostic programme, the insight2impact data facility and microinsurance and retail payments thematic work. He has coordinated and developed open-enrolment and in-housing trainings on microinsurance and national payment systems in Kenya, Malawi, South Africa and Zimbabwe.

 

He was part of the core team responsible for generating the Making Access Possible (MAP) global insight series which drew on research conducted in Lesotho, Malawi, Mozambique, Myanmar, Swaziland and Thailand and explored the behaviour of government, providers and consumers in the market for financial services. He has also generated research focused on the potential of mobile phones and technology more broadly to unlock valuable and viable financial services in developing countries.

 

Before joining Cenfri, David worked as a fellow at the ILO's Microinsurance Innovation Facility in Geneva, Switzerland, supporting the activities of the knowledge team. Prior to that, David worked as an assistant project manager at the Alliance for Financial Inclusion (AFI) in Bangkok, Thailand.

 

David holds a bachelor degree in economics from Furman University in South Carolina. 

 

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Twitter: @saunderdj13

LinkedIn: David Saunders

 

Jeremy Gray

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Jeremy is a senior research associate at Cenfri and has been part of the team since 2012. He has worked on MAP (Making Access Possible) projects in Swaziland, Lesotho and Zambia. Previously, he worked on a number of microinsurance projects including an A2ii cross-country synthesis study, which involved analysing and synthesising the various microinsurance business models, inherent risks and appropriate regulatory responses found globally; the ILO Microinsurance Innovation Facility's scale study, which entailed examining the major drivers of scale in global microinsurance initiatives; and on a study comparing insurance markets and their relative development across the SADC region as an input into the harmonisation process. Prior to joining Cenfri, he worked as a mining researcher advising major South African mining companies on global economic trends, specifically on commodity price movements.

 

Jeremy completed his master's in economics (cum laude) in 2011 at the University of Kwa Zulu-Natal. He also holds a B.Soc.Sci (hons) in economics and a B.Soc.Sci (PPE) from the University of Cape Town.

 

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LinkedIn: Jeremy Gray

 

Catherine Denoon-Stevens

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Cat is a senior research associate at Cenfri and has been part of the team since 2012. At Cenfri, her research has focused on building access to inclusive insurance markets, specifically the harmonisation of insurance regulation within the Southern African Development Community (SADC) region; innovative financial services distribution models; and Making Access to Financial Services Possible (MAP) studies in Southern Africa and South Asia. In addition, she is part of the team that runs Cenfri’s capacity building portfolio, coordinating open-enrolment and in-house executive education trainings in microinsurance and national payment systems.

 

Before joining Cenfri, Cat worked on the capacity building team of the Microinsurance Innovation Facility, housed within the United Nations International Labour Organisation, and as a project assistant at the African Centre for Cities on a World Bank Institute funded project focused on facilitating South-South knowledge exchange. Her background prior to this is in commercial property, finance and investment through a graduate internship at Eris Property Group (Pty.) Ltd. (formerly Rand Merchant Bank Properties) in Johannesburg, South Africa.

 

Cat holds her master's in development finance from the University of Cape Town Graduate School of Business (summa cum laude), and a bachelor of science (honours) in property studies from the University of Cape Town.

 

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Twitter: @Cat Denoon-Stevens

LinkedIn: CatDStevens

 

Mari-Lise du Preez

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Mari-Lise is i2i's partnerships manager. This gives her an opportunity to put her interest in networks and partnerships to practical use. She is interested in the social aspects of learning and innovation. Before joining i2i, Mari-Lise worked as independent consultant for clients including the Institute for Justice and Reconciliation (IJR), the Gordon Institute of Business Science (GIBS) at the University of Pretoria and the Sustainability Institute. Prior to that, she was programme manager at the South African Institute of International Affairs (SAIIA). She also lectured at UNISA. Mari-Lise holds an MA in international studies from the University of Stellenbosch.

 

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Twitter: @MariLiseDuP

LinkedIn: Mari-Lise du Preez

 

Jaco Weideman

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Jaco is a senior researcher at Cenfri and has been part of the team since November 2014. Since joining the team, Jaco has been involved in several projects in Mozambique and South Africa. Jaco has been part of the team conducing MAP diagnostics in Mozambique, Madagascar and DRC, responsible for FinScope data analysis, and segmentation to identifying potential target groups for financial services providers in the country. In addition, he has supported the SADC microinsurance harmonisation process and contributed to guidance briefs aimed at making insurance viable for orphans and vulnerable children affected by HIV.

 

Prior to joining Cenfri, Jaco was a lecturer at the University of Pretoria. During his time in Pretoria, Jaco was also responsible for the econometric modelling components of several independent international trade related projects for the Department of Trade and Industry as well as the Department of International Relations and Cooperation.

 

Jaco holds a master's in econometrics (cum laude) from the University of Pretoria, an honours in econometrics from the University of Pretoria and a bachelor in economics from the University of South Africa. He is fluent in German and French.

 

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Twitter: @jaco_weideman

LinkedIn: Jaco Weideman

 

Albert van der Linden

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Albert is a senior researcher at Cenfri and has been part of the team since January 2015. Since joining Cenfri, Albert has been involved with the MAP (Making Access Possible) projects in Malawi, Cambodia and Nepal, in addition to providing support for a funeral parlour project assessing regulatory options for the FSB.

 

Prior to joining Cenfri, Albert spent a year in Canada working as an independent consultant for HS Business Solutions. He worked on an economic landscaping study for the Overberg region, a marketing strategy for the renewable energy sector in Atlantis and an SMME business potential study for the department of tourism and development.

 

Albert holds a master's and an honours degree in economics from the University of Stellenbosch.

 

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Twitter: @Albert_vdL

LinkedIn: Albert Van der Linden

 

Wicus Coetzee

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Wicus is a senior researcher at Cenfri and has been part of the team since January 2015. Since joining Cenfri, Wicus has assisted with a project assessing the corporate governance of a development programme in Pakistan, he reviewed a study evaluating the value of microinsurance, as well as working on MAP projects in Malawi, Zambia and the DRC. Prior to joining Cenfri, Wicus worked as a freelance researcher for the University of Stellenbosch in 2014, where he conducted research on female fertility and labour force participation in sub-Saharan Africa. Together with another consultant, he also estimated a consumer demand system for the National Treasury of South Africa. In 2013, he was part of a team which researched education and poverty in SSA for UNICEF.

 

Wicus holds a master's degree in economics (cum laude) from the University of Stellenbosch and an honours degree in economics (cum laude) from the University of Stellenbosch. During his studies, he also spent a semester at the University of Zurich studying computational economics and econometrics.

 

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Twitter: @Wicuscoetzee

LinkedIn: Wicus Coetzee

 

Krista Nordin

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Krista Nordin is a senior researcher on the i2i Client Insights team. She has a thirst for knowledge and enjoys big-picture thinking and tinkering with complex problems.

 

Before joining i2i, Krista was a product manager at Oracle for the Oracle Database. She holds a bachelor of science in engineering from the Massachusetts Institute of Technology.

 

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Twitter: @kristamnordin

LinkedIn: Krista Nordin

 

Michiel Wolwers

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Michiel is a research associate working within i2i’s Client Insights team. His passion is to make research relevant, insightful and actionable, with the ultimate aim to create a positive impact on reducing inequality. Michiel compliments the i2i team with his experience in data collection, analysis and project management for a wide variety of financial inclusion stakeholders.

 

Before joining i2i, Michiel worked as a consultant for CGAP on a project to increase the adoption of mobile money payments in Ghana. Prior to that, Michiel co-founded e-kulki, a mobile wallet-based savings group fintech company in Colombia, as well as acting as consultant on various projects for UNCDF, IFC, MicroSave, Enclude, amongst others. Throughout his work, Michiel aims to keep the end-user at the centre of attention. In his 8+ years within digital international development finance, Michiel has worked on projects in Bolivia, Cambodia, Colombia, Ethiopia, Kenya, México, The Netherlands, Togo, Ghana, South Africa and the United Kingdom.

 

Michiel holds a master of research in international development from the University of Bath as well as a bachelor's degree in financial auditing from the University of Applied Science Utrecht.

 

Email: Michiel@i2ifacility

Twitter: @MichielWolwers

LinkedIn: Michiel Wolwers

 

Antonia Esser

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Antonia is a researcher at Cenfri and joined the team in April 2016. Before Cenfri, she worked in Tzaneen, Limpopo, as a project manager for South Africa's largest pro-poor microfinance organisation, in the Small Enterprise Foundation (SEF). Operating in the most rural and poorest areas of the country, she was in charge of SEF's financial education programme, where the basic concepts of managing debt, accounting and business skills are taught to clients. She also led a pilot on the potential transformation from joint to individual liability and designed a Financial Diaries project together with the University of Johannesburg and Bankable Frontier Associates (BFA) to better understand the impact of credit on a client's life.

 

Antonia holds a master's degree in international trade, finance and development, from the Barcelona Graduate School of Economics, and a bachelor's degree in economics from the University of Birmingham. In addition to her native German, she speaks Spanish fluently.

 

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Twitter: @anteater_yis

LinkedIn: Antonia Esser

 

Rose Peter

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Rose is a researcher at Cenfri and joined the team in May 2016. Before working at Cenfri, she worked as a data quality control assistant for the National Income Dynamics Study (NIDS) based within the Southern African Labour Development Research Unit (SALDRU) at the University of Cape Town. She was part of a team responsible for ensuring the quality and usability of South Africa's first nationally representative panel study. Prior to this, Rose worked as a research intern at the Abdul Latif Jameel Poverty Action Lab (J-PAL), assisting on a pilot study on obesity and nutrition. She also worked as a research assistant within the UCT School of Economics, assisting with various research projects related to job search, assisting in compiling a database of real-time GDP data, and assisting with the cleaning of the Manpower Survey Data to increase its usability. Rose has also tutored quantitative methods in economics for third-year students, and various SALDRU Stata courses within the UCT School of Economics.

 

Rose graduated with a master's in applied economics (with distinction) in 2016 from UCT. She also holds a bachelors of commerce (honours) in economics from UCT.

 

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Twitter: @tuyenipeter

LinkedIn: Rose Tuyeni Peter

 

Kate Rinehart

Kate RinehartKate is a research analyst working within i2i’s Client Insights team. Her research predominately focuses on finding the balance between data protection and financial inclusion innovation when using client data.

 

Before joining i2i, Kate worked as a programme coordinator for Truelift, a global trust mark that signifies commitment to enduring change for people affected by poverty. Previous to that, she helped design and launch a pilot study on child trafficking with Seva Mandir and Child Fund in Udaipur, India, as well as on a mobile health technology project in Haiti with the University of Texas Health Centre.

 

Kate holds a bachelor of arts degree in international studies with a focus on Africa, from the Southern Methodist University in Dallas, Texas; and is currently pursuing a master’s degree in development studies from the University of Cape Town.

 

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LinkedIn: Kate Rinehart

 

Renée Hunter 

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Renée is a research analyst working within i2i’s Client Insights team. Her research to date has mostly focused on client centricity and data protection. Before joining i2i, Renée worked as a junior researcher at Cenfri, and before that as a junior business developer for Divitel – an independent video systems integrator. Whilst there, Renée was responsible for devising a strategic plan to enter the emerging eHealth market in Benelux and Germany. Prior to that, she worked at the South African Institute of International Affairs, where she co-authored a study on regional barriers to business in the SADC region.

 

Renée holds a bachelor's degree with honours in international relations and international organisation from the University of Groningen in the Netherlands; and is currently completing her thesis on sustainable development, for her honours degree in philosophy, politics and economics at the University of Cape Town.

 

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Twitter: @reneeshunter

LinkedIn: Renée Hunter 

 

Leonard Makuvaza

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Leonard is a senior researcher working within i2i’s measurement team. Leonard’s primary focus at i2i is developing measurement frameworks that result in financial inclusion initiatives and thus improve welfare for low-income individuals. Leonard is an ardent development economist who has a strong interest in using market-driven approaches to achieve development outcomes.

 

Prior to joining i2i, Leonard was working as a team leader within the United Nations Population Fund (UNFPA), focusing on programme efficiency and investment. He has also worked with the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH in Namibia and Zimbabwe, offering technical support to GIZ country offices in rolling out the Cost Benefit Projection Tool in private sector companies.

 

Leonard holds a master’s degree in economics from the University of Namibia and a bachelor’s degree with honours in agricultural economics from the University of Zimbabwe.

 

 

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LinkedIn: Leonard Makuvaza

 

Baraka Msulwa

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Baraka is a researcher at Cenfri and has been part of the team since November 2016. Before joining Cenfri, he worked as a research assistant at the Bertha Centre for Social Innovation and Entrepreneurship, at the University of Cape Town Graduate School of Business.

 

Prior to this, Baraka worked at Standard Chartered Bank as an international graduate associate. As part of his role, he conducted comprehensive risk analysis in the preparation of corporate credit applications in Tanzania; and whilst on secondment in Dubai, he provided support to the Middle East mergers and acquisitions team.

 

Baraka holds a master’s degree in development finance from the University Of Cape Town Graduate School of Business (with distinction); a bachelor of commerce (honours) in economics and a business science in finance degree from the University of Cape Town.

 

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LinkedIn: Baraka Msulwa

 

Keith Mudadi 

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Keith is a senior research analyst at Cenfri. Since joining, his research has focused on data sharing, remittances, regulatory approaches in inclusive insurance (m-insurance), illicit financial flows and anti-money laundering and combatting the financing of terrorism (AML/CFT). Before joining Cenfri, he worked as a consultant in financial sector developement at the African Development Bank in Cote D'Ivoire. At the African Developement Bank, is focus area was in SME Finance. He also assisted a research project on assessing the financing gaps in Africa.

 

Keith is an Opec Fund for Internatinal Developement (OFID) Scholar. He holds a master's degree in finance and developement from the School of Oriental and African Studies (University of London). His master's thesis was on "Mobile Banking in Zimbabwe: Adoption & Use". Keith also holds a BSc (hons) in economics from the University of Zimbabwe.

 

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LinkedIn: Keith Tatenda Mudadi

 

Amanda Schoeman

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Amanda joined Cenfri in February 2016 as a personal assistant for the insight2impact (i2i) facility. She has nearly 40 years of extensive secretarial and administrative experience, dealing directly with ambassadors, councillors, CEOs and top management executives in the private and government sectors, both locally and internationally. Furthermore, she has experience in financial, project and event management. She also enjoys research and technical drawings.

 

In her spare time, Amanda enjoys taking roadtrips, travelling and reading. At the moment, she is learning how to speak French.

 

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Linet Engelbrecht

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Linet is Cenfri's office manager and has been an integral part of the team since 2013. Before joining Cenfri, Linet worked in public relations for seven years where she helped to build the profile her corporate clients’ brands. In addition, she has over 15 years’ experience as a personal assistant within a variety of organisations. Linet is a wonderfully friendly and helpful person whose passion for Cenfri and pride in her work makes her an asset to the team. She is married with two grown-up children.

 

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Twitter: @LinetEng

LinkedIn: Linet Engelbrecht

 

Marie Gouws

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Marie is Cenfri's receptionist and has been with the company since February 2015. Previously, she has worked as a receptionist at JPF Financials (Pretoria), where she was additionally in charge of capturing policies. Since then, she worked as an HR clerk at Gage Specialist, and was the Office Administrator for SPCA (both in Phalaborwa), before moving to Cape Town with her family.

 

Marie enjoys being in nature and reading, but her two children keep her busy most of the time.

 

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Tessa Kock

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Tessa is Cenfri’s financial controllor and has been part of the team since 2009. She has more than 20 years' experience in the private, academic and not-for-profit space, having previously worked at institutions such as the Labour Research Services, as an administrator, the Economic Policy Research Service (University of the Western Cape), as project administrator and financial manager, and IN-FORM Systems as a financial and office manager. Tessa is passionate about supporting development with a particular focus on labour. Tessa is an avid walker and takes to the streets of Cape Town between work and raising her twin sons and daughter.

 

Tessa holds a bachelor's degree in environmental and geographical sciences and public administration from the University of Cape Town.

 

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LinkedIn: Tessa Kock

 

 

Linda Stanford

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Linda joined the Cenfri team at the beginning of 2016 as its in-house accountant. Besides this, she supports management through monitoring and achieving its financial goals. Linda has a diverse working profile, having experience abroad in various financial positions, specialising in exports and imports and providing training and customer support of procurement solutions to local and provincial government departments. She was also involved in the implementation of electronic solutions for government’s Preferential Procurement Policy Framework Act, - later the BBBEE and she assisted in the building of a centralised supplier database. Over the last 8 years, Linda worked for Sanlam Life Insurance as a retirement fund accountant. Her passion lies in the development and implementation of systems to ensure the efficient running of an organisation, in addition to the delivery of high quality work to enhance business operations.

 

Linda holds a national diploma in cost and management accounting and in business administration from the Cape Peninsula University of Technology.

 

She is a mother of two and enjoys gardening and doing pilates in her spare time.

 

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LinkedIn: Linda Stanford

 

Janine Willemburg

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Janine is the personal assistant to the managing director of Cenfri and also gives assistance to three of the other directors and COO. She has been part of the team since May 2015. Janine has more than 16 years of experience as a personal assistant in the insurance, retail, finance, health and educational sectors. She has previously worked for the IT at Old Mutual, finance at the Foschini Group, financial services and tax department at PwC and was in New Zealand for four years, where she worked in various fields.

 

Janine is passionate about helping people and giving back to the community, and is always busy with various charity initiatives. She has three sons and is always busy carting them around between social, sports, and academic commitments.

 

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LinkedIn: Janine Willemburg

 

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