Dorsey offers 20 years of credit and microfinance expertise
to the field of Farm and Small Business Credit Services. Starting
with credit for small business and cooperatives and lending for
agricultural production, Jeff combined his experience with survey
research to interview over 2000 farmers and fishermen in Malaysia
in just over a year to help Bank Pertanian improve its service to
its customers and their ability to repay their loans. He approaches
the credit needs of business with an open mind and helps entrepreneurs
orient their businesses toward profitable activities and to improve
their efficiency in order to find and make best use of available
Jeff has been involved in numerous programs
to help select, develop and implement business plans, and finance
profitable activities in agriculture and other sectors. His work
has included support for marketing as well as the production of
agricultural and other products for both the domestic and export
markets. He has helped institutions like the African Development
Bank to create a program for microfinance and PLAN International
and WOCCU with applications of microfinance to home improvement, housing finance, and has also pioneered housing microfinance as a tool for recovery after disasters like the December 2004 tsunami.
His experience in land tenure and property
rights has been brought to bear on problems of mortgage collateral
to provide finance for businesses in places as diverse as Guyana,
Honduras, Mexico, Rwanda, Kosovo and Kyrgyzstan. He has helped microfinance
institutions to expand their operations from small group loans to
larger individual loans as some of their clients outgrow limited
group-lending approaches valid for the limited financial needs of
first-time borrowers but ill-adapted to the growing requirements
of emerging entrepreneurs. Jeff has also encouraged microfinance institutions to finance market-oriented agricultural operations and value-added in processing and marketing.
2 June to 24 June 2007
Enterprise Specialist, Huambo, Angola analyzing potential business opportunities arising in peri-urban and rural areas due to improvement in property rights.
5 May to 21 May 2007
Team leader, Conakry, Guinea for the agriculture and natural resource management component of a better governance project during the start-up phase, preparing protocols for future collaboration with the Ministry of Agriculture and contacting UN agencies concerning relevant activities.
26 November 2006 to January 19 2007
Agricultural Economist, Senegal for an evaluation of a USAID-funded natural resource management project, responsible for analyzing the economic pillar of a tripartite strategy of nature, wealth and power. Analysis focused on how project interventions increasing income from forest and non-traditional agricultural products and revenues to local government succeeded in raising community interest in improved management of community forests and other resources.
10 September to 20 October 2005
Microfinance Expert, Sri Lanka assessment of microfinance opportunities in the wake of the tsunami and proposing changes in products, procedures and reporting requirements to overcome low funds uptake and to encourage greater interest by MFIs in USAID funds offered for recovery.
27 June to 2 October 2004
Agricultural Credit Risk Specialist for USAID’s Mali Finance project managed by Chemonics, preparing budgets for major crops grown in the southern part of the country (including cotton, potatoes, mangos, irrigated rice, onions, tomatoes and sesame), analyzing agronomic, input supply, and marketing constraints, as well as imports and exports, and assessing the risk associated with financing these crops. Work also involved estimating the repayment capacity of farmers for short-, medium- and long-term loans, recommending changes in agricultural lending policies, and development of new agricultural lending policies and new loan products to allow the two major microfinance institutions to better serve the population and to improve their capacity to analyze farm loans.
18 March to 2 May 2004
Income-Generating Activity Specialist for the Government of Mozambique’s Ministry of Women and Coordination of Social Action, training social action staff in program design and implementation, evaluating its on-going support to income-generating activities for welfare recipients, and proposing changes in selected activities to reduce risks and to improve success rate of welfare recipients in setting up their own micro enterprises.
12 September to 17 October
Fertilizer Credit Specialist
for the International Fertilizer Development
Center in Malawi, reviewing the need for an access to and the sources
of credit by fertilizer dealers; both local currency and dollar
and rand finance for fertilizer imports were analyzed. Work included
analysis of use of fertilizer stocks in bonded warehouses as collateral
(inventory credit) and on other possible sources of guarantees to
supplement dealers own contributions to the finance of fertilizer
imports and in-country inventories.
24 April to 20 May, 2003
Housing Microfinance Expert,
Kigali, Rwanda, for the World Council of Credit Unions (WOCCU) analyzing
the performance of housing and home improvement lending by Rwandan
credit unions and their national union (UBPR). A program for establishing
in-house expertise in construction, for improving existing loan
products, and for developing a product combining member savings
with home purchase finance was designed. New products for commercial
construction loans and for salary advances used for home improvement
were also proposed.
20 August 2001 to 2 November,
2001 and 19 November to 14 December 2001
Microfinance Housing Consultant,
PLAN International, preparing a proposal for Phase II of a microfinance
for housing cum technical assistance project for low-income families.
Work also entails assisting PLAN in identifying funding sources,
preparing grant proposals for expansion of the program in 5 existing
countries (Latin America and Sri Lanka) and its replication in a
similar number of new countries in Africa and elsewhere.
4 April 2001 to 25 May, 3 to
18 November, 2001and 19 December 2001 to 26 January 2002
Information and Communications Expert,
Mali for USAID reviewing the information
and communications needs of the
umbrella association of microfinance institutions (APIM) and its
24 members and developing a strategy for meeting APIMs needs, including
computerization of its operations (hardware, software, web site email
systems, electronic bulletin) and those of its members. Work included
developing a communications strategy for the marketing of the microfinance
industry as a whole and coordinating the media campaigns of individual
MFIs with the overall industry strategy. The report is in French.
Handled press relations to launch the communications strategy with
a week-long Microfinance Week conference with nationwide media coverage
and designed a media campaign for the African Cup of Nations soccer
31 May to 1 August 2000
Agricultural Economist and Credit Expert
evaluating the strategy of alternative
development of the Government of Peru supported by USAID for farmers
in the Peruvian selva in coca-producing zones. Farmers were interviewed
concerning their production of coca and alternative crops and livestock
activities, marketing arrangements, means of financing their farming
and other activities, and their property rights. Managers of farmer
cooperatives and privately owned agribusinesses processing, marketing
and exporting coffee, cocoa, bananas, beans, rice, hearts of palm,
pineapple and other non-traditional export crops were also consulted.
Financial analysis of priority activities was carried out. Roles
of farmer organizations in marketing were also analyzed; support
of NGOs was also evaluated.
29 April to 29 May, 2000
Rural Organizations Specialist,
Mali, Ethiopia, Uganda and Malawi, analyzing technical and financial
support to producers’ organizations in Africa for improving
collective marketing, input supply and service provision to members.
A major focus of the study was on the process of building trust
and long-term relationships between producer organizations and the
processors, traders and agroexporters buying their products. The
report made recommendations for strategies to improve USAID’s
support for rural producers’ associations throughout Africa.
October 2 to November 12, 1999
Farmer Organization Specialist, Mozambique,
responsible for an assessment of farmer associations supported by
USAID/Mozambique and US NGOs to determine “Best Practices” to achieve results in collective marketing of agricultural products.
Support provide by US and UK NGOs (CLUSA, CARE, World Vision, ACDI/VOCA,
Freedom from Hunger, etc.) to farmer organizations and by TechnoServe
and the Cashew Industry Support project (Nampula) to processors
and agribusinesses was also analyzed. Best practices were identified
and recommendations made for linking farmer organizations with agribusinesses
engaged in marketing, processing and exporting.
June 16-July 27, 1999
Financial Policy Advisor for
the Fondo Peru Canada evaluating the microfinance institutions the
Fondo supports and advising on the formalization of their activities
to provide continuity in the provision of financial services to
the poor for their farm and non-farm small businesses and micro enterprises.
November 30 to December 18,
Agricultural Finance Expert for
USAID/Honduras responsible for reviewing requirements and options
for financing agricultural reconstruction after Hurricane Mitch.
The mechanisms proposed included refinancing and special lines of
credit for participating banks and other financial institutions.
July 8 to August 9 & Sept.
20 to 17 October, 1998
Fisheries Credit Expert for
FAO and Morocco's Office National de Pêche supporting expansion
of the mutual loan guarantee system to cover remaining ports and
increasing membership and raising system revenues.
January 31 to March 29, 1998
Rural Savings and Credit and Micro enterprise
Development Expert in Senegal
analyzing credit requirements of natural resource management activities
and micro enterprises in rural communities and designing a credit
component in partnership with this USAID-financed NRM project and
local financial institutions.
April 6, 1997- 10 October,
Microfinance Expert and Operations Analyst
preparing the African Development Fund's
US$ 10 million Microfinance Initiative for Africa (AMINA) proposal
to support urban and rural micro enterprises. Work also included
up-dating the African Development Bank operations manual.
November 3 to December 2, 1996
Artisanal Fisheries Credit & Financial
Analyst analyzing informal credit
and marketing systems for fishermen, women fish processors and fish
traders for a JICA artisanal fisheries project on the north coast
of Senegal. Credit for marketing and processing was emphasized.
17 October to 14 November 1995
Credit Consultant for Save the Children (USA) in Malawi designing a credit system for processing and petty trade micro enterprises of low-income women widowed by AIDS
10 April to 3 May 1995
Guinea evaluating income-generating activities encouraged by a USAID-funded
natural resources management project in the Fouta-Djallon highlands,
including markets and finance for dry-season vegetable production
and non-agricultural small businesses. The shortage of finance as
a constraint to the development of these enterprises was also analyzed.
25 September to 7 December
Rural Credit Specialist,
Burma for FAO designing a credit system for four FAO-implemented
agro-forestry and agriculture projects to support farming, fishing,
agricultural marketing and rural non-farm businesses, including
small processing and trading enterprises of women.
11 May to 11 September 1994
Mexico, FAO analyzing viability and investment in fish capture,
processing and marketing in Mexican fisheries and aquaculture (including
land-titling and credit for aquaculture projects). Macroeconomic
factors affecting fisheries investment (including overvaluation
of the currency) were highlighted three months prior to the devaluation
of the peso. Economic and financial analysis of various types of
fisheries and aquaculture activities was also carried out.
4 April to 9 May 1994
Rural Organizations and Credit Analyst,
Honduras for FAO, evaluating an agro-forestry and natural resource
management project, including the contribution of its credit component
to the achievement of project objectives.
17 November to 15 December
1992 and 1-10 January 1993
Fisheries Credit Expert,
Ecuador designing a credit component for a GTZ artisanal fisheries
project, including support for fish-processing.
18 August to 5 November 1992
Fisheries Credit Expert,
FAO, Pakistan analyzing market potential and finance for the fish
capture, fish-processing and fish meal industries, with a major focus
4 April to 10 August 1992 and
8 August to 22 December 1991
Team Leader/Agricultural Economist,
Uganda funded by AfDB responsible for designing a national lending
program for farmers, artisanal fishermen and other rural small businessmen
13 March to 17 May 1990
Economic Analyst and Credit Expert,
Honduras, analyzing marketing mechanisms and loan portfolios of
the agricultural cooperatives packing and exporting melons and other
non-traditional products to the North American market, funded by
16 August to 16 October 1988
FAO, Rome writing a manual on managing credit components of artisanal
July 1985 to August 1986
FAO, Malaysia, directing a survey of 2,000 small farmers and artisanal
fishermen to assist the Malaysia's Agricultural Development Bank
in improving its lending policies, procedures and loan recovery.
Three months between 1980 to
1984 (various dates)
Cooperative Credit Consultant,
Inter-American Foundation, Dominican Republic, evaluating the portfolio
of the rural cooperative finance company and reviewing and criticizing
inaccurate agribusiness feasibility studies prepared to support
8 July to 30 August 1983
Haiti. USAID analyzing group credit provided to small farmers and
the implications of proposed lending for large-scale private sector