Workshop: Digital Credit – Navigating Financial Health and Over-Indebtedness

Salome Kimani joined CGAP in October 2023 and is currently engaged with CGAP’s work on scaling innovative finance for micro and small enterprises (MSE). Salome has worked extensively on the financial sustainability of microfinance institutions, and the financial and digital inclusivity of MSMEs, migrants, women, youth and refugees in Africa. Prior to joining CGAP, she led a four-year longitudinal study to investigate the complex dynamics of MSEs and their economic, social, financial and digital significance in Sub-Saharan Africa in light of the challenges posed by the COVID-19 pandemic. She also worked as a Senior Consultant with the African Development Bank (AfDB), on the Somalia Work Program, and also served as the key liaison officer on the AfDB Somalia Remittances Work Program, providing advisory services and technical assistance to the Somali government on ways to secure remittance flows and improve access to financial services targeting youth, women, refugees, and migrants in Somalia.

Elizabeth Gathai is a seasoned banking professional with over 20 years of experience in Kenya's Tier 1 banking sector. She currently serves as the Regional Head for Africa at Women’s World Banking, following her role as the Group Director of MSME at Equity Group Holdings, PLC. Elizabeth has a proven track record in leadership across MSME, Digitization, and Credit, excelling in driving business growth and profitability while developing innovative financial solutions tailored to the unique needs of MSMEs in Africa.

Jacqueline Jumah is a transformation specialist in Digital Financial Services (DFS), with several years of experience across Africa and Asia, supporting the deployment of inclusive digital financial systems for sustainable and economic growth. In her current role as Director, Advocacy & Capacity Development at AfricaNenda, she supports the acceleration of inclusive instant payment systems (IIPS), as a fundamental block for digital public infrastructure in Africa.

AnnStella Mumbi is a business leader with experience working across Kenya, Rwanda, Tanzania, Ghana, South Africa and Uganda in Fintech and Edtech, and has an educational background in mechatronics engineering. She currently serves as the General Manager at Tala Kenya, a fintech company that has disbursed over $2 billion in credit to more than 3.5 million customers across Kenya. She has also served in various capacities as a growth advisor for companies such as Mara, Ndovu, Moringa School, and Katapult among others. Prior to Tala, Mumbi led growth and expansion at Moringa School and was the founding director at Impact Africa Network. Mumbi is also passionate about catalysing startup ecosystems and is an angel and venture partner at Ralicap.
 

Nancy Mosa is a seasoned IT advisory professional with over 25 years of experience in delivering high-quality solutions across project management, business continuity, risk analysis, and audit services. As a Partner at KPMG, Nancy provided strategic guidance to a diverse range of clients across various industries, helping them optimize their return on investment, mitigate risks, and enhance overall business performance and profitability.

Tariro Nyimo is FinEquity Africa's Regional Facilitator. She is passionate about programs and partnerships related to sustainable development goals, emphasizing gender equality, inclusive finance and inclusive digital economies. She is a thought leader in the area of women’s financial inclusion, digital gender divide and women’s economic empowerment. Tariro is based in South Africa. 

Lucy Kaaria is an expert in digital development research and the founder & lead consultant at HOPAWI Management Consulting Limited. She is based in Nairobi, Kenya operating across Africa and Asia regions. At HOPAWI, she is known for delivery of quality data in the measurements of Inclusive finance more so on digital financial services through management and advisory services. She is a specialist on DFS consumer protection research, working in many markets since 2013. She previously worked as Technical Advisor to FinEquity Africa. Lucy is currently at thesis stage with her Doctorate Degree (Ph. D0) in Population Studies at the University of Nairobi and she holds a Master's Degree of the same. 
 

Mariana Martínez is FinEquity Global and FinEquity ALC Regional Lead, the community of practice which seeks to empower women through financial inclusion in Latin America and the Caribbean,
convened by CGAP. She is an economist, with twenty years of experience in financial inclusion, microfinance, economic empowerment of women and inclusion in LAC. She has worked as an independent consultant for international organizations, NGOs, financial institutions and regional governments. She holds a Master 's Degree in Economics and a Master's Degree in Latin American Studies from Florida International University. Mariana is co-founder of the Andares Mujeres network.