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Milk Project

Other Project Team Members


Jonathan Morduch // MILK Research Advisor

Professor of Public Policy and Economics, NYU Wagner Graduate School of Public Service Managing Director, Financial Access Initiative

Jonathan is Professor of Public Policy and Economics at the NYU Wagner Graduate School of Public Service, and Managing Director of the Financial Access Initiative, a consortium of researchers focused on financial inclusion. His research centers on microfinance, social investment, and the economics of poverty. He is currently developing a theoretical framework with Jonathan Conning for understanding how governments and philanthropists can use market forces to create social change.

Jonathan is co-author of Portfolios of the Poor: How the World's Poor Live on $2 a Day (Princeton 2009) and The Economics of Microfinance (MIT Press 2005, 2nd edition 2010). He has taught on the Economics faculty at Harvard University, and has held visiting positions at Stanford, Princeton, and the University of Tokyo. Morduch has worked with the United Nations and World Bank, and advises global NGOs. He is Associate Editor of the Journal of Economic Perspectives and on the board of the Journal of Globalization and Development.


Denis Garand // MILK Research Advisor

President, Denis Garand and Associates

Since 2001 Denis has been an independent consultant, focusing on the Canadian group insurance industry and international microinsurance programs. Canadian assignments have included strategic reviews, capital management, training, product development, pricing, mergers, insurance company start up and the development of the first Canadian disability incidence study.

Internationally Denis has worked on all facets of microinsurance focusing on micro health insurance. Assignment have been conducted for ADB, AKAM, BearingPoint, CCA, CGAP, FFH, MIME, ILO, ILO-STEP, Sanasa, GTZ, The World Bank, ICMIF and many others . He has experience in India, Pakistan, Nepal, Sri Lanka, Bangladesh, Philippines, Burkina Faso, Cameroon, Mali, Senegal, Kenya, Benin, Rwanda, Egypt, Uganda, Tanzania, Haiti, South Africa, Dominican Republic, Colombia, Peru, Fiji and Barbados on all aspects of micro insurance. Denis is Chair of the Microinsurance Network Performance Indicator working group, a member of the Microinsurance Network Health subgroup, a member of the ILO's Microinsurance Innovation Facility steering committee and is a co-author of several publications on topics in microinsurance.


John Wipf // MILK Research Advisor

Microinsurance Development Consultant, Denis Garand and Associates

John worked as an actuarial analyst for a cooperative life insurer in Canada where he specialized in developing actuarial evaluation models, group insurance rating manuals and quotation software, and providing actuarial support to group insurance underwriters. From 1998 to 2004 John managed a microinsurance and cooperative development project in Philippines which focused on building insurance capacity, developing competitive products, and improving distribution in the cooperative insurance and microinsurance sectors. He joined Denis Garand and Associates in 2005. His extensive experience includes product development, project development and evaluation, business planning, pricing, experience analysis, training, administration systems and actuarial software development, and many other types of microinsurance projects.

Internationally, John has worked on assignments for ADB, BearingPoint, Deloitte, USAID, CCA, CGAP, ILO, GTZ, ICMIF, and others with experience in India, Vietnam, the Philippines, Cambodia, Indonesia, Nepal, China, Ghana, Kenya, Sri Lanka, Fiji, and other countries. As a consultant in microinsurance development he worked on the following: feasibility studies/business planning, market demand surveys, product design, pricing, financial and actuarial analysis, developing administration systems, developing reinsurance and actuarial software, developing microinsurance training materials, project management, and in many areas. John is a member of the Microinsurance Network performance indicator working group and is co-author of several published articles and booklets on microinsurance topics.


Derek Poulton

Project Manager, EA Consultants

Derek is an expert in client-focused financial services for the base of the pyramid with more than eight years of experience in Latin America, Asia, and Europe. He has implemented multiple Client Math studies as well as an RCT under MILK's Client Value component. As a Project Manager for EA Consultants, he manages and provides technical assistance for microinsurance, public health access, microcredit, and social projects in Latin America. Previously as an ILO Microinsurance Innovation Facility Fellow, Derek supported Seguros Futuro, a Salvadoran cooperative insurer, in building insurance demand through financial education and improving microinsurance products for remittance receivers. He has also worked on a broad range of financial inclusion and economic development issues with the US Treasury Department, FINCA International, and CARANA Corporation among others


Emily Zimmerman

Research Associate, EA Consultants and the MicroInsurance Centre

Emily is a Research Associate with EA Consultants and the MicroInsurance Centre, where she contributes to both the client value and the business case components of the MILK project. Emily has performed research on various topics surrounding the development, sale and use of microinsurance and other financial products. Specific areas of research include client value and impact, demand, and legal and regulatory issues. Previously, she worked as a corporate lawyer for two large multinational law firms, where her practice focused on equity and debt financing, mergers and acquisitions, and investment management.


Jonathan Bauchet

Ph.D. Candidate, New York University

Jonathan is a Ph.D. candidate in the Wagner School of Public Service at New York University, focusing on international development policy and microfinance. His academic advisor is Professor Jonathan Morduch, with whom he works at the Financial Access Initiative (FAI). With FAI and Prof. Morduch, he published an academic paper on issues of data quality in microfinance, as well as a framing note on the rationale for and design of research studies with randomized experiments. Previously, he was a project manager with Innovations for Poverty Action, working on randomized controlled trial-based impact evaluations of microcredit in South Africa and the Philippines and on an evaluation of the impact of providing business training to microfinance clients in Peru. His field experience also includes two years as a development worker in Haiti, collaborating on an agricultural microcredit project.


Xavier Martín

MA, Johns Hopkins University

Xavier has fifteen years of professional experience in the banking and non-profit sectors include work in more than twenty countries. He served as a financial analyst for a leading Spanish savings bank, in its offices in Spain and in France. Subsequently, he coordinated the International Microfinance Program of Un Sol Món Foundation – a non-profit specialized in the provision of microfinance services in developing countries. Since 2005, Xavier has been an independent consultant, primarily in the United States and Latin America, for organizations such as the Grameen Foundation, the Inter-American Development Bank, Microfinance International Corporation, and CGAP. He has also worked in Africa, the Middle East, and South Asia. Past projects include developing financial projections and leading workshops on financial analysis for senior management, conducting field research on small savers, and leading costing studies of existing and planned savings products. Since 2008, Xavier has regularly collaborated with Shorebank International and EA Consultants.


Laura Budzyna

Research consultant, EA Consultants

Laura is a research consultant with EA Consultants, where she contributes statistical analysis and study implementation support to the MILK Project's Client Math studies. She is especially interested in the perceived value of microinsurance and its relationship with service utilization and behavior change. Her past research consultancies have spanned a variety of topics in the development sector, including such clients as NYC’s Office of Financial Empowerment, the Clinton Health Access Initiative and the Millennium Villages Project. She holds an MPA from Columbia University's School for International and Public Affairs, where she served as a teaching assistant for quantitative analysis and where she continues to teach workshops in international development practice.

Quote of the Day

"In terms of the relationship with insurers, the delivery channel must be the primary driver in product development." -- Mariana Torres | Compartamos

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MicroInsurance Centre
1045 N Lynndale Drive Ste 2E
Appleton, WI 54914