Daniel Rozas

Independent consultant

Daniel Rozas is an inclusive finance consultant based in Brussels, Belgium, with broad-ranging expertise, including client protection and risk and crisis management. He is also the co-founder of the MIMOSA project, which provides a methodological assessment of market saturation and risk of overindebtedness for leading microfinance markets, and is a member of the e-MFP Secretariat. Prior to entering the microfinance sector, Daniel worked for the U.S. mortgage investment company Fannie Mae from 2001-2008, where he had a front-row seat to the extraordinary boom-and-bust cycle of the U.S. mortgage market at the time – an experience that has been instrumental in shaping his  work in inclusive finance today. 

By Daniel Rozas

Blog

Simplicity and Human Touch Ensure Better Customer Outcomes in Microfinance

Do financial institutions’ consumer protection policies actually deliver good outcomes for customers? Traditional frameworks focus on compliance, but emerging approaches reveal the need to measure positive customer experiences and outcomes.
Research

The Art of the Responsible Exit in Microfinance Equity Sales

This paper seeks to explore the concept of a responsible exit along four strategic decisions: the timing of the equity sale, buyer selection, the governance and use of shareholder agreements to achieve social objectives, and how social and financial returns are balanced when selecting among bids.
Blog

Introducing MIMOSA: Microfinance Market Capacity Measurement Tool

The MIMOSA is a knowledge tool to estimate credit penetration in markets across the world.
Blog

Can Self-Regulation Protect Microfinance Clients?

Effective self-regulation rests on two key components: a transparent and consistent standard to measure compliance and a credible mechanism to ensure that it can be enforced. Smart Certification provides that standard. What could provide its enforcement?
Research

Foreign Capital Investment in Microfinance:

Despite the financial crisis, in the past four years foreign investment in microfinance, including both debt and equity, has quadrupled to reach US$13 billion.