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Conference Agenda (preliminary)

 

Agenda overview

Pre-conference events: Tuesday, June 21

09:00

16:00

SITE VISITS TO ALBANIAN MFIs

AMA

 

Pre-Conference events: Wednesday, June 22

09:00

13:00

Preventing over-indebtedness

MFC
Metropol Room, 1st floor

13:00

16:00

Credit scoring in microfinance
EaSI TA Thematic seminar on mutual learning

Blue Room, 1st floor

14:00

16:00

MIMOSA workshop

Bogdani Room

16:30

19:00

MFC membership meeting: Planning the sector 20th anniversary celebrations

Classic Room, 2nd floor

19:00

Cocktail reception

(MFC members, conference partners and sponsors only)
La Pergola Restaurant, 2nd floor

 

Conference Day 1: Thursday, June 23

09:00

09:30

Conference opening [Rus]
Signature ceremony for the BESA and EIF EaSI microfinance guarantee

Akernia Room, ground floor

09:30 10:45

Plenary session [Rus]
Microfinance in the cloud
MFC
Akernia Room, ground floor

10:45

11:00

2015 borrow wisely campaign: Highlights and acknowledgements [Rus]
Akernia Room, ground floor

Coffee break

11:45

13:00

Workshop 1A [Rus]

Workshop 1B

Workshop 1C

Evolutionary trend: The necessary ingredients for MFI transformation or change in ownership

EU funding for microfinance: Latest news and changes! *

Achievements and challenges in the Albanian microfinance sector

Akernia Room, ground floor Abret Room, 1st floor Metropol Room, 1st floor

13:00

14:30

Lunch break (1,5 h)

La Pergola Restaurant, 2nd floor

Lunch discussion: Engagement in the local community – what role microfinance institution can have?

(by invitation)
Blue Room, 1st floor

14:30

15:45

Workshop 2A [Rus]

Workshop 2B

Workshop 2C

Coping with permanent crisis – MFI and investor roundtable

Learning from co-operatives: How to design democratic institutions

Staff professional development: The role of coaching and mentoring

Akernia Room, ground floor Abret Room, 1st floor Metropol Room, 1st floor

Coffee break

16:15

17:30

Workshop 3A [Rus]

Workshop 3B

Workshop 3C

Digital revolution: How can technology transform microfinance?

From field to fork: Financing value chains effectively

All you ever wanted to know about Counterfactual Impact Evaluations
(but were too confused to ask)

Akernia Room, ground floor Abret Room, 1st floor Metropol Room, 1st floor

20:00

Gala Dinner
Presidential Palace

 

Conference Day 2: Friday, June 24

10:00

11:00

Social investors fair *
MFC / EU
Consortium Room, 1st floor

11:00

12:15

Workshop 4A [Rus]

Workshop 4B

Workshop 4C

Empowering youth with financial access, knowledge and skills

Alternative financing models for MSMEs in the EU

Microfinance in a time of crisis

Akernia Room, ground floor Abret Room, 1st floor Metropol Room, 1st floor

12:15

13:45

Lunch break (1,5 h)

La Pergola Restaurant, 2nd floor
Lunch discussion: Start-ups financing: Outcomes measurement *
(by invitation)

La Pergola Restaurant, 2nd floor

13:45

15:00

Plenary session [Rus]
Investor strategies in times of crisis
Akernia Room, ground floor

15:00

15:15

Presentation of the date and location of the MFC 2017 conference [Rus]
Akernia Room, ground floor

15:15

15:30

Conference closing [Rus]
Akernia Room, ground floor

as of June 17, 2016

*This session has received financial support from the European Union Programme for Employment and Social Innovation "EaSI" (2014-2020). For further information please consult: https://ec.europa.eu/social/easi

 

Agenda description

Pre-conference events: Tuesday, June 21

09:00 – 16:00

Site visits to Albanian MFIs

Members of the AMA will organize three different study tours to highlight innovative aspects of their practice. See more details here

 

Pre-conference events: Wednesday, June 22

09:00 – 13:00

Preventing over-indebtedness

This workshop is for MFI managers and network representatives who want to prevent client over-indebtedness. During the session, we will ask: what we can learn from previous over-indebtedness crises? What data we need to collect and analyze to make the good decisions about the level of debt our clients can safely take in a local or foreign currency? How can we ensure that our clients understand the risks of taking too much debt? What can we do when our clients do run into problem with too much debt? We will also hear first-hand experience from MFIs with first-hand experience of over-indebtedness crises.

 

Moderator: Kinga Dabrowska, Microfinance Centre (MFC), Poland
Panelists: Daniel Freedman, Symbiotics, SA, Switzerland
  Daniel Rosas, Mimosa project, Belgium
  Senad Sinanovic, Partner Microcredit Foundation, Bosnia and Herzegovina
  Davide Forcella, Centre for European Research in Microfinance (CERMi), Microfinance in Crisis EIB project, Belgium

 

 

13:00 - 16:00

Credit scoring in microfinance: EaSI TA Thematic seminar on mutual learning

Even if the portfolio at risk of European microfinance sector has decreased in the last years, it remains on average quite high, and the financial crisis, high rate of unemployment, migrants and potentially worrying level of over-indebtedness highlight the importance of credit risk management for European MFIs. In addition to the traditional credit assessment based on loan officer-client relationship and the use of soft, informal tools to access information of clients’ creditworthiness, the use of formal and quantitative statistical tools, i.e. credit scoring, could improve the efficiency, reduce costs, increase loan officer productivity and improve MFI outreach. New technologies and database (e.g. big data) could foster the use of credit scoring. However, access to data, data management and implementation remain important barriers to overcome. Moreover, a good balance between institutional efficiency and loan officer-client relationship and social inclusion should be found.

The present workshop hence aims to respond to this compelling demand by the European microfinance sector and provide to the audience with:

  • A picture of actual opportunities, strategies and challenges for credit scoring
  • Existing experiences and outcomes of credit scoring implementation within European MFIs
  • A platform for discussion and mutual learning for European MFIs about credit risk management

This workshop is sponsored by the fi-compass EaSI TA

 

 

14:00 – 16:00

MIMOSA workshop

What are MIMOSA reports? How do they differ from over-indebtedness surveys? How can I use them as an investor or an MFI? Spend two hours in this hands-on workshop to understand how to apply MIMOSA in your organization and thus be more certain that you are on a sustainable growth path.

 

Moderator: Daniel Rozas, Mimosa project, Belgium
   

 

This workshop is organized by responsAbility.

 

16:30 – 19:00

MFC membership meeting: Planning the sector 20th anniversary celebrations

This meeting  is for MFC Network members. The agenda includes:

  • Highlights for our work: 2015 and 2016
  • 2015 financial results
  • Board member election
  • World Café discussion about planning the sector 20th anniversary celebrations in 2017

Please note: Non-member MFIs can attend as an observers

 

19:00

Cocktail reception (MFC Members and conference partners and sponsors only)

 

 

Conference Day 1: Thursday, June 23

09:00 – 09:30

Conference opening

 

Edi Rama, Prime Minister of the Republic of Albania
Ann Branch, European Commission (EC), Belgium
Zana Konini, SCA Fed Invest, Albania
Cristian Jurma, Microfinance Centre (MFC), Romania

 

Signature ceremony for the BESA and EIF EaSI microfinance guarantee


 

 

Grzegorz Galusek, Microfinance Centre (MFC), Poland
Bajram Mucaj, BESA Fund, Albania
Ann Branch, European Commission (EC), Belgium
Simone Uccheddu, European Investment Fund (EIF), Luxembourg

 

 

09:30 – 10:45

Plenary session

Microfinance in the cloud

Improved efficiency. Lower transaction costs. New funding opportunities. New products and services. Technology has the potential to create all of these exciting opportunities for microfinance institutions (MFIs). So why have so few MFIs experimented with new solutions to leverage the power of digitalization? This is especially puzzling, given that the number of fin tech companies offering alternative finance via the internet (to individuals and businesses) have grown exponentially over the last few years – so much so that it’s rapidly becoming a buyer’s market. This session will map key trends in alternative finance, and get to the heart of what’s keeping MFIs from going digital. Our panel of experts will discuss lessons emerging from MFIs that have already boldly embraced new technological solutions – including benefits and tradeoffs they have experienced. They will also talk frankly about the risks associated with digitalization – and tackle the biggest question of all: which aspects of traditional delivery should we not digitalize?

 

Moderator: Kalin Radev, Microfinance Centre (MFC), Bulgaria
Panelists: Murray Gardiner, Temenos, United Kingdom
  Kieran Garvey, Cambridge Centre for Alternative Finance, United Kingdom
  Herjola Spahiu, NOA, Albania
  Eric-Vincent Guichard, Homestrings, United Kingdom
  Matteo Snidero, Finance in Motion, Germany

 

10:45 – 11:00

2015 Borrow Wisely Campaign: Highlights and Acknowledgements

The opening session will conclude with a presentation of the 2015 results of MFC’s biggest financial education initiative, the Borrow Wisely Campaign.  We’ll also recognize MFC members who participated in the second year of the Campaign, and preview what we can expect in 2016.

 

11:45 – 13:00

Workshop 1A

Evolutionary trend: The necessary ingredients for MFI transformation or change in ownership

In Eastern Europe and Central Asia (ECA), recent sector developments in show an increasing number of MFIs changing ownership and/or transforming into banks. International NGOs are withdrawing, or attracting new financial investors to fund further growth. Retail banks are also moving into microlending, and acquiring MFIs in order to gain a quick foothold in this market. MFIs are also transforming as a means of diversifying their funding base and expanding their service offering. Development Finance Institutions (DFIs) and International Financial Institutions (IFIs) with major stakes in MFIs are also reconsidering their involvement given the deteriorating operating environment across the region. Ownership changes can mean an influx of new capital, strengthened corporate governance and better management. Transformation can result in significant deposit mobilization, stricter regulatory oversight, increased outreach and improved client services. However, both can also distract MFIs from their mission to serve low-income communities and businesses in a financially-responsible and sustainable way, as indeed we’ve seen happening in our recent in recent months. Against this background, the panel will tackle the risks, the opportunities, and the potential for successful transformations that work for markets, institutions, and clients alike.  

 

Moderator: Peter Kooi, ACLEDA Bank Plc, Cambodia
Panelists: Uwe Schober, Finance in Motion, Germany
  Thomas Engelhardt, AccessHolding, Germany
  Gulnara Shamshieva, Bai Tushum Bank, Kyrgyzstan
  Braco Erceg, Mikrofin / MF Banka, Bosnia and Herzegovina

 

 

Workshop 1B

EU funding for microfinance: Latest news and changes!

Calling at MFIs in the EU! Representatives of the European Commission (EC), European Investment Bank (EIB) and European Investment Fund (EIF) will present new programmes and instruments for microfinance, MSMEs and social enterprises. These include a brand new equity facility for microfinance, further opportunities to receive free technical assistance for your MFI, and new countries eligible for EU support. Panelists will also share insights on the forces currently shaping EU access to finance policy, giving you a unique chance to express your policy expectations and concerns. If you are from an EU or pre-accession country (Albania, Bosnia and Herzegovina, Macedonia, Kosovo, Montenegro, Serbia or Turkey), come and ask questions and give your feedback on the EU support programmes for microfinance.

 

Moderator: Jorge Ramirez, European Microfinance Network (EMN), Belgium
Panelists: Samuel Clause, European Investment Bank (EIB), Luxembourg
  Katarzyna Pawlak, Microfinance Centre (MFC), Poland
  Christos Pouris, European Investment Bank (EIB), Luxembourg
  Dimitrios Niafas, European Commission (EC), Belgium

*This session has received financial support from the European Union Programme for Employment and Social Innovation "EaSI" (2014-2020). For further information please consult: https://ec.europa.eu/social/easi

 

Workshop 1C

Achievements and challenges in the Albanian microfinance sector

Albanian MFIs collectively disburse over 20 per cent of all loans nationally. They also include a diverse range of institutional types, from financial cooperatives to non-bank commercial institutions and national foundations. This workshop feature a lineup of special guests, including government ministers, CEOs, academics, donors and central bankers. Our aim is to discuss the salient lessons emerging from two decades of Albanian microfinance. We’ll ask: how is technology making Albanian microfinance faster, cheaper and better? How are we tackling rural funding via cooperative models and new delivery channels? What future regulatory frameworks are needed to ensure sustainable growth? Why is youth financial inclusion is still so low?

 

Moderator: Herjola Spahiu, Albanian Microfinance Association, Albania
Panelists: Milva Ekonomi, Minister of Economic Development, Tourism, Trade and Entrepreneurship, Albania
  Edmond Panariti, Minister of Agriculture, Rural Development and Water Administration, Albania
  Enio Jaco, Creative Business Solutions, Albania
  Denis Deralla, Bank of Albania, Albania

 

13:00 – 14:30

Lunch discussion: Engagement in the local community – what role microfinance institutions can have?

(by invitation)

During this working lunch we will discuss informally the role of microfinance institution in the community: what type of social activities (including philanthropy) in the community make sense for microfinance institutions (if any). What are examples of good practice. How microfinance sector could benefit from such involvement, what kind of support is needed to boost further microfinance institutions engagement. What challenges and obstacles institutions face and how networks such as MFC could support Institutions.

 

Moderator: Kinga Dabrowska, Microfinance Centre (MFC), Poland
   

 

14:30 – 15:45

Workshop 2A

Coping with permanent crisis – MFI and investor roundtable

The consequences of the continuing deterioration in the economic situation of Russia has significantly affected the operations of MFIs and tested the resources of investors.

The session will focus on strategies to effectively manage the consequences of the recent impact on the economies of Central Asia and the Caucasus, notably severe devaluations and its effects on the MFI/investor business models. What measures have been successfully taken by MFIs and investors to cope with a market in flux? We’ll use the discussion to address difficult questions, such as:

  • How can MFIs cope with and survive sharp local currency devaluations?
  • What collections and restructuring strategies are useful to consider?
  • Has the loan pricing model in the Caucasus and Central Asia been effectively updated?
  • How MFIs have managed regulatory interest rate ceilings imposed as a result of currency devaluation crises
  • How to mitigate FX loans and FX risks
  • Has the role of client protection changed during this period?

 

Moderator: Christopher Falco, Independent Advisor, USA
Panelists: Zinaida Vasilienko, responsAbility Investments AG, Switzerland
  Luca Paonessa, Triple Jump BV, the Netherlands
  Frank Streppel, Triodos Investment Management BV, the Netherlands
  Celia Wong, Deutsche Bank, USA
  Marco de Natale, AO MFO FINCA, Russia
  Andrew Pospielovsky, MFO "KMF", Kazakhstan
  Shoira Sadykova, MDO "Arvand", Tajikistan
  Donna Nails, Consultant, USA

 

This workshop is sponsored by Deutsche Bank.

 

Workshop 2B

Learning from co-operatives: How to design democratic institutions

What if we could redesign a typical non-bank MFI in a way that increased staff and client buy-in and engagement in organizational decision-making? As we look out on a landscape of growing political and economic disillusionment, now is the moment to re-engineer our institutions so that are more focused on, and responsive to, local communities. Solutions to do just that abound – ranging from simple (including financial rewards for communities) to complex (including participation in the institutional governance and ownership. The good news is: cooperatives have paved the way for MFIs in terms of building and implementing these solutions! This workshop will offer a unique forum to share and explore:

  • The advantages of a user-based, business-focused grassroots financial cooperative (in contrast with an “old style” state co-operative)
  • How non-co-operative MFIs can incorporate democratic and cooperative principles into their operations
  • The regulatory requirement and implications in terms of creating democratic financial institutions.

Two Albanian Co-operative Financial Institutions (FedInvest and HABA) will lead this session alongside their development partners (Rabobank and the Irish League of Credit Unions Foundation).

 

Moderator: Kazuto Tsuji, JICA / CGAP, USA
Panelists: Zana Konini, ASC Union, Albania
  Elvana Sharkaj, Union of SCAs Jehona, Albania

This workshop is sponsored by CoopEst.

 

Workshop 2C

Staff professional development: The role of coaching and mentoring

Did you know a good mentoring program is essential in keeping the best staff in the organization, deliberate organizational culture development, knowledge and experience management as well as the development of leadership, communication and expertise skills of your people? And it is not the end of the benefits’ list.

Coaching is the cherry on the cake. It’s also a highly motivational factor of professional development for senior staff.

Before you think it’s another fad, come and experience a taste of coaching. Then, understand how it completes the mentoring and learn basics to consider, how to best make use of it in your organization or professional development.

 

Moderators: Ewa Bankowska, Microfinance Centre (MFC), Poland
  Piotr Korynski, Microfinance Centre (MFC), USA

 

16:15 – 17:30

Workshop 3A

Digital revolution: How can technology transform microfinance?

Success of microfinance in Europe and Central Asia relies more than ever on the latest technology. This workshop will present experiences of microfinance institutions implementing virtual delivery channels and remote transaction systems. Experts will also explore issues such as:

  • Digitization of financial services: threats and opportunities for microfinance
  • Cloud computing: costs, benefits and the future of shared services
  • Digital technology and client outreach: using mobile and remote services to reduce costs and improve competitive services
  • “Buy or build”: the role of open sources and choices for MFIs
  • Network cooperation: how can microfinance networks cooperate to reduce costs and improve integration

 

Moderator: Murray Gardiner, Temenos, United Kingdom
Panelists: Alexis Lebel, OpenCBS, Hong Kong
  Arlinda Mali, NOA, Albania
  Kalin Radev, Software Group, Bulgaria

 

Workshop 3B

From field to fork: Financing value chains effectively

Agricultural finance is still dominated by financing individual actors directly. How can value chain financing contribute to making agricultural finance more accessible and less costly? What are the key challenges in value chain financing and how can they be addressed? The session will share practical insights into key success factors of making value chain finance work out for all involved stakeholders. It addresses practitioners but also provides a good overview on the “dos” and “don’ts” – delivered in an dynamic and interactive session.

 

Moderator: Michael Kortenbusch, Business & Finance Consulting (BFC), Switzerland
Panelists: Marina Kortenbusch, Business & Finance Consulting (BFC), Switzerland
  Elena Frank, Business & Finance Consulting (BFC), Switzerland
  Dmytro Bobyrev, Business & Finance Consulting (BFC), Switzerland
  Etienne Mottet, Business & Finance Consulting (BFC), Switzerland

This workshop is sponsored by BFC

 

Workshop 3C

All you ever wanted to know about counterfactual impact evaluations (but were too confused to ask)

Comparing expected and actual impact is critical to understanding if microcredit is achieving its social objectives, and counterfactual impact evaluations (CIE) are a useful way of quantifying net impact on a population. Sounds great – but what does it all really mean? In this session, we’ll be de-mystifying a lot of complex research methods, including: randomized control trials, differences in differences, propensity score matching, and regression discontinuity design. We’ll also break down data collection requirements, and how your institution can get involved in collaborating with scholars of the Joint Research Centre of the European Commission to carry out a CIE.

 

Moderator: Beatrice d’Hombres, JRC-European Commission, Italy
Panelists: Corinna Ghirelli, JRC-European Commission, Italy
  Timothee Demont, Aix-Marseille University, France

 

20:00

Gala Dinner (Presidential Palace)

 

Conference Day 2: Friday, June 24

10:00 – 11:00

Plenary session

Social investors fair

The social investors’ fair will bring together socially-oriented donors and investors (mostly from EU countries), and those MFIs seeking funding. During the fair, participants will have an opportunity to meet one-on-one to discuss funding needs, opportunities, and explore potential new partnerships.

*This session has received financial support from the European Union Programme for Employment and Social Innovation "EaSI" (2014-2020). For further information please consult: https://ec.europa.eu/social/easi

 

11:00 – 12:15

Workshop 4A

Empowering youth with financial access, knowledge and skills

Today, the world boasts the largest youth generation in human history. Of the 1.8 billion young people worldwide, approximately 85 per cent live in developing or emerging economies, and a third of these are un- or under-employed. In the ECA region, this trend holds. In some Balkan countries (including Bosnia and Herzegovina, Kosovo, Macedonia and Croatia), youth unemployment tops 50 per cent, driven by low economic growth, inefficient labor market policies, and inadequate education systems. This in turn fuels poverty, low entrepreneurship levels, rural flight (to cities), and ultimately brain drain (to other countries). This panel will consider different approaches and experiences on strengthening the link between youth and the financial sector and encouraging youth entrepreneurship.

 

Moderator: Karina Avakyan, Child and Youth Finance International, the Netherlands
Panelists: Charlotte Rieser, Finance in Motion, Germany
  Dario Vins, Mozaik Foundation, Bosnia and Herzegovina
  Charlotte Guillemot, ADIE, France
  Pezana Rexha, PANA, Albania

 

Workshop 4B

Alternative financing models for MSMEs in the EU

Micro, small and medium enterprises (MSMEs) play an important role in the economic and social development in the EU, and they require appropriate financing. While traditional microfinance is expanding in the EU, a number of new financing models are coming on line that offer alternative funding streams for small businesses. These new models complement current market offers for small businesses, while challenging the status quo and advancing the field of microenterprise financing. This workshop will present the current state of practice in alternative financing models, and will showcase options around different funding models, client sourcing and marketing positioning. Key discussions topics will include:

  • Financing models – from the trendy to the tried and tested
  • Service innovations along the MSME credit value chain
  • Successful business models of alternative financing
  • What microfinance and alternative models have to learn from each other

 

Moderator: Piotr Korynski, Microfinance Centre (MFC), USA
Panelists: Kieran Garvey, Cambridge Centre for Alternative Finance, University of Cambridge Judge Business School, United Kingdom
  Eric-Vincent Guichard, Homestrings, United Kingdom
  Samuel Clause, European Investment Bank (EIB), Luxembourg
  Volker Renner, FINCA International, USA

This workshop is sponsored by the fi-compass EaSI TA

 

Workshop 4C

Microfinance in a time of crisis

The global microfinance sector is slowly recovering from several serious shocks. While the crisis seems to have passed, and the sector has developed a range of client protection tools - over-indebtedness still ranks as the top sectoral risk, and market saturation persists in a few regions. Against this backdrop, this workshop will explore mechanisms that trigger crisis, tools to prevent it, and key lessons emerging from the field.

In particular, we’ll consider the results of the European Investment Bank-supported project “Microfinance in Crisis”, including a crisis prevention dashboard and other tools for market saturation analysis – and gather insights from participants that have navigated their organizations through rough waters.

 

Moderator: Davide Forcella, Centre for European Research in Microfinance (CERMi), Belgium
Panelists: Anis Aganovic, Microcredit Foundation “Sunrise”, Bosnia and Herzegovina
  Cholpon Kokumova, International Finance Corporation (IFC), Kazakhstan

 

12:15 – 13:45

Lunch discussion: Start-ups financing: Outcomes measurement

(by invitation)

European MFIs financing enterprises up to two years of existence in the market are invited to share good practices and to discuss methods of outcomes measurement. During the lunch meeting we will share the experience of serving start-ups: the challenges and success factors. MFC will propose the simple and yet effective methods of measuring the outcomes: outreach, job creation, enterprise survival. The plans of technical assistance to interested MFIs will be discussed.

 

Moderator: Ewa Bankowska, Microfinance Centre (MFC), Poland
   

*This session has received financial support from the European Union Programme for Employment and Social Innovation "EaSI" (2014-2020). For further information please consult: https://ec.europa.eu/social/easi

 

13:45 – 15:00

Plenary session

Investor strategies in a time of crisis

Several microfinance markets in the ECA are in crisis, whether from over-indebtedness, fund scarcity, market saturation, increased competition or political crisis. Without a doubt, all of these directly impact the investments of microfinance funds and DFIs in the region. This session will feature social investors representatives, and explore the current state of microfinance investment in the ECA region. We’ll look at how investors are engaged in the region, how the current economic downturn has impacted their activities, the potential risks they foresee for the industry and what type of support and tools they intend to provide to mitigate those risks.

 

Moderator: Sachin Vankalas, LuxFLAG, Luxembourg
Panelists: Christos Pouris, European Investment Bank (EIB), Luxembourg
  Vincent Lehner,  Symbiotics SA, Switzerland
  Benoit Bouet, responsAbility Investments AG, Switzerland
  Nejira Nalic, Microcredit Foundation MI-BOSPO, Bosnia and Herzegovina
  Yrenilsa Lopez, Women's World Banking, USA

 

15:00 – 15:15

Presentation of the date and location of the MFC 2017 conference

 

Panelists: Nejira Nalic, Microcredit Foundation MI-BOSPO, Bosnia and Herzegovina
  Senad Sinanovic, Partner Microcredit Foundation, Bosnia and Herzegovina
  Sadina Bina, EKI, Bosnia and Herzegovina

 

 

 

15:15 – 15:30

Conference closing

 

Lucija Popovska, Microfinance Centre (MFC), Slovakia
Grzegorz Galusek, Microfinance Centre (MFC), Poland

 

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