Joanna Ledgerwood joined the Aga Khan Foundation in 2007 and leads their Access to Finance activities from the Head Office in Geneva. Prior to moving to Geneva, Ms. Ledgerwood was based in Uganda working with NGOs transforming to deposit-taking institutions and the Philippines working with rural banks to deepen their outreach to the poor. A former banker, she has written numerous papers and books, including Transforming MFIs with Victoria White (2006) and the Microfinance Handbook (1998), both published by the World Bank. She recently completed the New Microfinance Handbook. Ms. Ledgerwood holds an MBA in International Finance from McGill University.