ADA supports the Financial Inclusion Summit in Johannesburg

From May 28-29, 2019, the ADA team will be present in Johannesburg, South Africa, at the Financial Inclusion Summit organized by the Microfinance Association.

The two-day conference will explore recent trends in the financial inclusion sector and provide a forum for discussion on global best practices in the context of technological innovation. The development of digital financial products and services has created significant opportunities to provide better access and improve quality to many people who are underserved. Indeed, the high rate of mobile phone ownership, even among low-income people, makes it possible to reach not only clients, but also agents who can serve entire neighbourhoods with a single device.
However, access to financial services is not the ultimate objective of financial inclusion. Rather, it should be seen as part of overall development, which helps people improve other aspects of their lives, including employment, housing, health and poverty reduction. This summit will further advance the inclusive finance strategy for sub-Saharan Africa and will also provide an opportunity to learn and share best practices.

The event is also an excellent preview of the pan-African discussions and meetings that will take place in October in Ouagadougou during SAM 2019.


The EMP starts its 2019-2020 recruitment campaign

European Microfinance Programme
The European Microfinance Programme (EMP) is pleased to inform you that its recruitment campaign for academic year 2019-2020 has stareted. The full programme and the application file are downloadable from the EMP website:
Launched in 2005, the EMP is co-organized by three universities: Université libre de Bruxelles (ULB), Université de Mons (UMONS) and Université Paris-Dauphine and four NGO partners: ADA, BRS, CERISE and SOS Faim. The courses take place in Brussels, on the premises of the Solvay Brussels School of Economics and Management (ULB).
The EMP is designed by microfinance experts to offer a unique blend of theory and practice. The purpose of the programme is to develop future professionals in microfinance who will contribute to the strengthening of microfinance institutions worldwide, in accordance with the highest international standards.

Application deadline: 8 February 2019

Admission requirements
The selection of the candidates is based on academic records and professional experience.
The candidates must hold a Master's Degree (equivalent to 300 ECTS) in fields of specialisation such as: development cooperation, economics, agronomy, management, and finance. Exceptionally, other qualifications are accepted by the jury.

English language proficiency
As the EMP is taught in English, candidates must prove their spoken and written command of English. Non-native English speakers and applicants with no diploma from English-speaking countries can find information on evidence of English proficiency on the EMP website.

CCD scholarships (deadline: 8 February 2019)
Each year, 12 full scholarships are awarded to EMP candidates coming from selected developing countries. Before applying to these ARES-CCD scholarships, please check your eligibility and the deadlines on the ARES-CCD website.
The ARES-CCD application form MUST be sent directly to the CCD by postal mail. The EMP expects that these applicants send an electronic copy of their ARES-CCD application form together with their specific EMP application.

Tuition fees
The 2019-2020 tuition fees have not yet been determined. For information only, the 2018-2019 tuition fees were:
- EU countries and least developed countries: EUR 835
- Industrialized non-EU countries: EUR 4,175
- For updated information on tuition fees, please consult the ULB website

Claire Verhaegen
EMP coordinator
Phone: +32(0)2.650.41.62

Through this partnership, each year ADA offers 3 internships to the students of the programme.

1st training session for Microvision

The first edition of the Microvision course took place from 5 to 9 November 2018 in Leuven, Belgium.

The next training session will take place in March 2019. There are still places left, register now!

ADA at Foromic in Colombia!

You had the opportunity to meet our investment managers on the ADA stand at Foromic, which opened its doors from 29 to 31 October at the Puerta de Oro Centre in Barranquilla, Colombia.
Foromic, the flagship event in Latin America and the Caribbean on issues related to financial inclusion and enterprise development, returned this year for its 21st edition.

The organized activities show how innovation, driven by emerging technologies, is transforming the concept of inclusion in financial services, entrepreneurship and the development of new skills.

This year, Foromic also offered innovative ways to develop its network, experiment with innovation and make contacts, all in a single space.

For more information, visit the Foromic website:

Watch the Webinar on SME Financing in Africa

ADA joins the Financial Inclusion Week

Financial+Inclusion+Week+2018 Redim+Banner

October 29 - November 2, 2018

Next October, ADA is mobilizing for the fourth edition of the Financial Inclusion Week, an initiative of Financial Inclusion 2020, one of the projects of the Centre for Financial Inclusion (CFI), which is celebrating its 10th anniversary this year.

The Financial Inclusion Week is a week of global conversation on the most important steps to advance financial inclusion. It will be one of dozens of events held around the globe from October 29 – November 2, 2018 that will reflect on what our community needs to do to get financial inclusion right and ensure that gains in access lead to measureable improvements in the lives of the underserved. Tweets and comments will run throughout the week on an interactive Financial Inclusion Week website, which can be found at and with the hashtag #FinclusionWeek. Following the events, CFI will spotlight our event on the Financial Inclusion Week website and in reports to the financial inclusion community.

ADA is positioned as the spearhead of Luxembourg's expertise in microfinance. The opportunity to highlight its events, training and others during this period. During this week will take place:

  • Microfact Training on Financial and Social Performance Indicators: an interactive workshop for microfinance institutions that want to strengthen their financial performance monitoring. This training will provide them with an analysis of key performance indicators in microfinance, through Microfact's Factsheet tool. From October 30 to November 1, 2018 at the Mohammed VI Centre in Morocco.
  • Webinar on SMEs in Sub-Saharan Africa: in partnership with, ADA is organising a webinar on the occasion of the Financial Inclusion week. Jean-Philippe Stijns, Senior Economist at the EIB, will lead this webinar on "Access to finance for SMEs in sub-Saharan Africa". This 45-minute webinar in English will be interactive and will see Jean-Philippe Stijns interact with several personalities in the sector, including Axel de Ville (consultant for ADA). Online display on the ADA website starting Octobre 29, 2018.
  • Bootcamp 'CATAPULT: Inclusion Africa', organised by the LHoFT (Luxembourg House of Financial Technology), which aims to is to leverage Luxembourg’s Inclusive Finance and Fintech ecosystem to support 12 selected Fintech firms in developing their businesses and achieving their inclusion goals. ADA will be speaking at different sessions. From 5 to 9 November in Luxembourg
  • Oradian Webinar with the participation of ADA on the theme: "How to make funding more accessible for MFBs and MFIs in Africa?". A discussion will be facilitated between leaders of financial institutions in Africa, representatives of the main MIVs (Microfinance Investment Vehicles) and impact investment funds, including ADA, in the person of Victor Muller, our microfinance risk manager. Broadcast on October 30 at 3 p.m. (video link available upon registration).

ADA takes part in ANDE Annual Conference 2018

October 2 to 4, 2018 - New-York

In 2017, ADA became a member of Aspen Network of Development Entrepreneurs (ANDE), a global network of organizations that propel entrepreneurship in emerging markets. By fostering the development of inclusive finance, ADA indeed contributes to the emergence of a favorable environment to micro- and small entrepreneurs.

The ANDE annual conference took place from October 2 to 4 2018 and gathered about 300 participants. Innovative financing systems, public-private partnerships, the influence of digital technologies, complementarity of financial services and technical assistance were some of the topics addressed during the conference to fuel the reflection and improve practices in favor of small and growing businesses.

PLAY workshop


The Development Campus of the French Development Agency (CEFEB) is launching a new edition of its PLAY workshop for actors in the inclusive economy, which will take place from 03 to 07 December 2018 in Marseille. This one will be held in French.

A veritable "incubator of innovation", the PLAY workshop was conceived as a tailor-made accompaniment for inclusive economic actors (financial institutions - banks, microfinance and guarantee or investment funds - and public and private companies medium to large) wishing to advance new projects within their institutions.

Dedicated to creativity and collective intelligence at the service of these "intrapreneurs", it aims to enable them to acquire the tools and postures favorable to the deployment of a culture of innovation within their structures.

More than 200 participants from around 40 countries have already attended the PLAY workshop. Its main themes are also the subject of a Masterclass within the BOULDER Microfinance Institute's French-language program.

The value of the workshop is estimated at 3500 EUR / participant.

This cost will be partly covered by AFD. The selected candidates will however have to pay a fixed participation of 400 euros.

They will also have to cover all associated costs (transport, hotel, meals, travel ...).

Applications must be received by local AFD agencies by 15 October 2018.

You will find below the link containing the contact details of AFD local agencies:

Below, the detailed brochure and the application file:

CATAPULT: Inclusion Africa


In order to raise awareness around Financial Inclusion, the LHoFT has decided to host a dedicated bootcamp program called “CATAPULT: Inclusion Africa” between the 5th and 9th of November in Luxembourg.

The objective of "CATAPULT: Inclusion Africa" is to leverage Luxembourg’s Inclusive Finance and Fintech ecosystem to support 12 selected Fintech firms in developing their businesses and achieving their inclusion goals. ADA will be speaking at different sessions.

The summary of the event:

You will find below the pre-final programme of the bootcamp:

Financial Inclusion Week 2018

This event will be a part of Financial Inclusion Week, a week of global conversation on the most important steps to advance financial inclusion. It will be one of dozens of events held around the globe from October 29 – November 2, 2018 that will reflect on what our community needs to do to get financial inclusion right and ensure that gains in access lead to measureable improvements in the lives of the underserved. Tweets and comments will run throughout the week on an interactive Financial Inclusion Week website, which can be found at and with the hashtag #FinclusionWeek. Following the events, CFI will spotlight our event on the Financial Inclusion Week website and in reports to the financial inclusion community.

ADA supports the Global SME Finance Forum 2018

SMEFF18-ada-booth-social card (2)

Join ADA, as well as more than 500 leaders from banks, fintechs and development finance institutions in Madrid, November 5-7 for the Global SME Finance Forum 2018. 

This year the theme of the event is : Reaching the informal: the role of finance in improving the growth and productivity of SMEs.  Find out how technological innovation, regulation and partnerships can help overcome various informality issues for SMEs at the International Forum.

Attend interactive sessions, study tours, B2B and fintech markets, communicate with industry leaders, form partnerships and commercial agreements.

More information and registration on SME Finance Forum website.


Become an Africa Board Fellow! Applications are open

Africa Board Fellowship  @SAM 2017

Africa Board Fellowship @SAM 2017

The Africa Board Fellowship (ABF) program, which is run by the Center for Financial Inclusion at Accion (CFI) is designed specifically for board members and CEOs from any institutions working toward financial inclusion. It is structured as a 6 months fellowship, with the next cohort starting in Oct 2018. The fellowship begins and ends with in-person seminars in Cape Town (fellows pay airfare only) and then fellows are connected virtually through an online platform and virtual dialogues throughout the six months. They are also matched with advisory who help them structure and work-through specific goals. The network now has over 200 fellows consisting of board members and CEOs !

The Africa Board Fellowship (ABF) connects through peer learning and exchange to strengthen the governance of financial institutions serving low-income clients in sub-Saharan Africa. To date, the Africa Board Fellowship program has included roughly 200 CEOs and board members from institutions across the region. To get a firsthand glimpse into the program, check out these photos, blog posts and videos. ABF seminars and discussions demonstrate how peer-to-peer exchanges through case studies and interactive role plays are an effective way to understand best governance practices. The ABF program creates a network of inclusive finance leaders that endures beyond the six month program, with ABF alumni connecting regularly to discuss challenges and opportunities in financial inclusion across Africa.

To learn more about ABF click here or email the Program Director, John Lwande at.

An overview of an Africa Board Fellowship workshop held at SAM 2017 in Ethiopia.


Please find more information about the membership in the flyer here below:


Women and inclusive finance discussed at AFI

ADA was present at the Alliance for Financial Inclusion (AFI) meeting, bringing together a hundred regulators in Guinea-Conakry (May 7th/8th).

Alliance for Financial Inclusion Meeting

In the session reserved for the African woman entrepreneur, the Governors of the Central Banks of Guinea, Sierra Leone and Seychelles insisted on the need to do more for women (especially when it comes to credit). The goal is that they come out of "microfinance" and that they have access to sufficient and superior means to develop their small business. Extended risk centers, specific guarantee funds for women, and financial education are thus measures in test.

Women's reimbursement rates are higher than those of men ... something that Dr. Yunus already recalled years ago. The panelists only confirmed this reality. The assembly, mainly composed of representatives of the central banks and the Ministries in charge of the Financial Inclusion of the many countries of the continent, applauded warmly!

Private sector actors from Nigeria, Guinea and Uganda, however, talked about the cultural barriers that can still block women's access to banking services!

Speakers discussed aspects of guarantees and interest rates ...

The speaker from the private sector of Guinea confirms that it is essential to listen to these women who want to develop their business and build their future! We must therefore put in place means and adapted products, which meet their needs and constraints they encounter! Regulators clearly have a role to play in measuring, monitoring, analyzing the data and then putting in place the necessary policies and mechanisms! Facilitator Makena Mwiti (AfDB Women's Program) concludes that only all actors - from regulators to field operators, including all state structures and other private commercial banks - will come together in a joint effort to better serve these people. African women entrepreneurs!

Convergences Tunisia Forum

02 Anglais

May 9, 2018 - Beit al-Hikma
Tunisian Academy of Sciences, Arts and Letters,
25 Avenue of the Republic, Carthage (Tunis)

ADA is pleased to invite you to the 1st edition of the Forum Convergences Tunisie!

Use the ADA-50 automatic registration code

For a Zero Exclusion Tunisia, Zero Carbon, Zero Poverty, go to the Convergences "ESS'Ploration" Forum on May 9! Discover the actors of SSE innovation in Tunisia for inclusive, green and sustainable growth. Entrepreneurs, professionals and curious young people, come together!

Developed in co-construction with a Tunisian Working Group, the Convergences "ESS'Ploration" Forum Tunisia will offer sessions in various and dynamic formats to identify and create together concrete solutions for the achievement of the Sustainable Development Goals and the construction of Tunisia "Zero Exclusion, Zero Carbon, Zero Poverty".

ADA, a player in sustainable development through microfinance and inclusive finance (especially via the MicroMED project), supports the Convergences forum. In this context, a panel on microfinance needs in Tunisia will be organized during the conference. The day before, ADA will offer a free day of training in inclusive finance with SIMFI, participants of Convergences.

About Convergences

Launched in 2008, Convergences is a platform for reflection and multi-stakeholder mobilization. Convergences promotes the Sustainable Development Goals and the fight against poverty, exclusion and climate change. Composed of more than 240 partner organizations from all sectors, the Association acts to stimulate reflection and action, disseminate good practices and encourage the co-construction of innovative partnerships with high societal impact.

04 Partenaires

The 2nd promotion of professionals in inclusive finance certified by the University of Luxembourg in the framework of the ADA Chair

Remise du Certificat 20170126

Following the success of the 2017 edition, the University of Luxembourg and ADA, in cooperation with the European Investment Bank (EIB), launched in January 2018 the second promotion of the continuing education programme "Certificate in Law and Regulation of Inclusive Finance". The programme aims to strengthen the knowledge and skills of professionals from developing countries in inclusive finance law.

The 24 students of this second promotion successfully completed the programme, after a two week course on regulatory oversight, ethics, investment vehicles and banking law, taught by University professors, ADA, the EIB as well as other microfinance specialists coming from Nicaragua and Zimbabwe.

The Certificate Award Ceremony, organized by the EIB on Thursday 25 January 2018, gave the opportunity to the Dean of the EIB Institute, Francisco de Paula Coelho, to congratulate the participants, some of whom are working in the administration and in the agencies responsible for establishing and implementing the inclusive finance regulatory framework. "When we will meet around a table - he says - I'm sure you'll remember the time you spent here in Luxembourg and the experience you shared with the aim of strengthening inclusive finance in your country".

Olivier Massart, ADA’s Executive Director, underlined the fact that the Luxembourg "system", and in particular the work of synergy between the Ministry of Foreign Affairs, the EIB, the University and ADA, has allowed the development of a remarkable knowledge in microfinance. "Our mission, with the Certificate and other initiatives, is to make this knowledge available to all operators in the sector, to continue moving forward on the path of financial inclusion."

In his closing speech, Prof. Dirk Zetzsche, ADA Chair, emphasized that the diversity of the participants has brought great enrichment thanks to the exchange of different experience. Indeed, more than 20 countries were represented within the same promotion: Algeria, Benin, Burkina Faso, Burundi, Cameroon, Ecuador, Ethiopia, Guinea, Equatorial Guinea, France, Jordan, Madagascar, Morocco, Mozambique, Myanmar, Nepal, Niger, Nigeria, South Africa, Tanzania, Tunisia and Uganda.

To promote inclusive participation, scholarships were awarded to students who needed help.

This Certificate is part of the activities carried out within the framework of the ADA Chair in Financial Law – Inclusive Finance, the fruit of the cooperation between the Faculty of Law, Economics and Finance of the University of Luxembourg and ADA. The program was organized in cooperation with the EIB and the law firm Arendt&Medernach.

ADA wish you a happy new year

Let's continue hand in hand in 2018!


Take part in the second edition of the Certificate in Law and Regulation of Inclusive Finance!

O Minaire ADA 16 01 2017 09

From January 15 to 26, 2018, at the Faculty of Law, Economics and Finance of the University of Luxembourg

Launched in January 2017, the Certificate in Law and Regulation of Inclusive Finance is a joint project of the ADA Chair in Financial Law (Inclusive Finance) at the University of Luxembourg’s Faculty of Law, Economics and Finance, with ADA and the European Investment Bank Institute.
Entering its second edition in 2018, the programme is aimed at regulators, intermediaries and other inclusive finance organisations. 

The programme aims to raise awareness on the topic of law and regulation in the inclusive finance sector, enable an exchange with regulators and financial intermediaries and facilitate further academic and non-academic cooperation. Taught in four modules, the course comprises 72 Teaching Units over 10 days.

The programme is limited to a maximum of 25 qualified and motivated students from different backgrounds. They will be selected by the Course Director in cooperation with ADA.

Up to 50 percent of places in the programme will be granted to qualified students in need of financial assistance. These students will receive scholarships as well as travel and accommodation support for their stay in Luxembourg (application deadline: October 1, 2017).

The programme is seeking support from private partners in Luxembourg. Sending one participant whose full cost of tuition is paid by a private sponsor will help ensure funding of the programme for other students.
We welcome additional support by private partners to finance one or more scholarships of 6,000 euros each for students from developing countries.

More than 23 participants from different countries took part in the first edition of the Certificate in January 2017.

Download the flyer to learn more about the application process.

ADA at the European Microfinance Week: fostering the scaling up of African MFIs


Soulemane Djobo, a “veteran” of microfinance and senior project officer at ADA, moderated a panel around the main opportunities and challenges in promoting the scaling up of microfinance institutions (MFIs) in Africa. Four professionals with different perspectives on the issue shared the lessons learned from their experience - 15 years on average - in the field.

Eric Campos, director of the Foundation Grameen Crédit Agricole, questioned the title: is scaling up the real challenge for African MFIs? According to his approach, we should rather adopt of a more global vision, putting the agricultural value chain at the core of our support for MFIs. They are very sensitive to the agricultural component of their activity. In the economy of the African villages, agriculture plays a key role but it remains a very fragile sector and the effects of climate change, in the last years, have made the sector even more precarious. In order to stabilize agricultural income, the Foundation is committed to supporting agri-businesses in their capacity to create added value for the sector and to develop viable and affordable business models for agricultural insurance.

The second panelist, Grégoire Danel-Fédou, current COO of the Advans Group, started his intervention from his experience as CEO of the MFI Advans in the Ivory Coast. When Advans decided to start operations in the country the situation was complex: it was a post-war situation, the economy was stagnate for 10 years, and the performance of the banking sector was very bad.  Only the informal and semi-formal economy remained very dynamic. In addition, the regulator had imposed a cap on interest rates of 24%, difficult to manage considering the operational costs. Advans, which developed “green field” MFIs, has therefore launched its new MFI in this very particular context, made of "challenges" to use Grégoire's words. Challenges that turned into opportunities. The MFI was forced to respect a very strict discipline that allowed it to be profitable and to develop.

Edmund Higenbottam, Managing Director of Verdant Capital - a corporate finance firm that operates across the African continent with MFIs and Fintech companies - focused on the financial needs of MFIs at different levels of development. He highlighted the fact that small MFIs are often victims of a paradox, which Edmund called "Catch 22" by quoting the title of Joseph Heller's novel. They have difficulty finding investors interested in investing less than 5 million dollars in their institution but at the same time they need to grow in order to optimize costs and so to increase their profit.

The last speaker, Alexandre Nayme, investment manager at BNP Paribas, developed his intervention around some of the points cited in the previous presentations. He highlighted the difficulty of investing in Africa, which today represents only 13% of their portfolio. The French bank has set a goal of maximizing the number of final beneficiaries in order to reach 350,000 micro-borrowers by the end of 2018. Several obstacles remain, notably the smaller average size of African MFIs, the fact that they tend to favour individual lending versus group lending and the lack of infrastructure that makes it difficult to reach rural clients.

To conclude, Soulemane took up the main points raised by the panelists, highlighting the existing opportunities to further strengthen African MFIs: partnerships with local institutions with high potential, the strengthening of human resources and alternative distribution channels.

Read the second issue of the "State of Microinsurance"

revue min 2016

The Microinsurance Network has launched the second edition of “The State of Microinsurance” magazine, an annual publication providing an insiders’ guide to understanding the microinsurance sector.

This year’s magazine includes insights and expert opinions by 22 authoritative voices in the field on topics such as product development, distribution and regulation.

Articles include insights on behavioural economics in microinsurance, an analysis on the contribution of insurance to capital market development, and a discussion on the need for benchmarking in microinsurance through key performance indicators.

For the first time, the magazine includes a debate on the role of private health insurance in achieving universal health coverage. With regards to agriculture insurance, one article features case studies demonstrating the concept of bundling with financial and non-financial services, whilst another focuses on non-climate risks affecting Sahelian livestock herders.

Interviews reported capture valuable insights from Democrance, RisKnoT, BIMA, Swiss Re and MicroSave. Contributions were provided by a number of key organisations active in the microinsurance space, including Cenfri, Inclusivity Solutions, MicroInsurance Centre, Abt Associates, the UK Royal Institute of International Affairs, Access to Insurance Initiative, MicroEnsure, Acting for Life, BRS, the ILO’s Impact Insurance Facility and of course ADA!

The publication can be downloaded at this link.

Apply for 7th European Microfinance Award 2016

mf award

The 7th European Microfinance Award, on the topic of Microfinance and Access to Education, is intended to recognise the role of microfinance in enabling access to education for children and/or skill-training for youth and adults to enhance their employment and self-employment.

The 2016 Award welcomes applications from institutions with initiatives that increase access to and quality of education for children, youth and adults by serving the needs of both students and schools. These can include financial products and non-financial services that have a tangible impact on children’s school education or on programmes aimed at creating employment opportunities for young people and adults.

The Award of €100,000 is granted by the Luxembourg Ministry of Foreign and European Affairs – Directorate for Development Cooperation and Humanitarian Affairs and is jointly organised by the Ministry, the European Microfinance Platform (e-MFP) and the Inclusive Finance Network Luxembourg ( It will be presented on 17th November 2016 during the European Microfinance Week in Luxembourg.

All applications must be supported in writing by an e-MFP member. The closing date for applications is 1st June 2016, 23.59 CET. Further information, detailed criteria and online application are on the website of the European Microfinance Award.

Check out the new issue of our partner Proparco:

proparco en

"Private Sector & Development - Social Business: undertake and invest differently
Combining social mission and economic efficiency, is the ambition of social business. How to consolidate and amplify the movement?"

Download the issue here 


Visit Proparco website for more information.

Microlux: Microfinance in Luxembourg and the Greater Region


ADA is launching Microlux, the very first microfinance institution in Luxembourg and the Greater Region.

The NGO, which specialises in the provision of microfinance to countries in the south, has joined forces with BGL BNP Paribas and ADIE International (a right to economic initiative Association which operates as a microfinance institution in both France and Europe). The project is supported by the European Investment Bank (EIB).

The aims of Microlux are to:

  • Support the creation or development of activities undertaken by individual clients or social enterprises who do not have access to the traditional credit system.
  • Finance these activities, particularly through the provision of micro-credits or credits to social entrepreneurship and then to develop services related to inclusive finance (such as micro-insurance).

The project’s objective is to contribute to the efforts made to improve their clients’ income and quality of life. 

In order to achieve these objectives, Microlux will provide:

  • Coaching, mentoring and training provided by volunteers
  • Micro-credits of a maximum amount of 15,000 EURO 
  • A loan called “micro +” for activities which have already begun (of a maximum amount of 20,000 EURO)
  • A social entrepreneurship loan (of a maximum amount of 25,000 EURO).

Microlux will begin these activities in June 2016 and the first forms of support will be provided in September/October 2016. Rémy Jacob, vice president of ADA, will chair the board.

The activities of Microlux have been authorised by the CSSF and the Ministry for the Economy. It was legally established in the form of a public limited liability on 31 March 2016, although making a profit is not its prime purpose.

Microlux would like to thank Allen & Overy for a very efficient pro bono legal support all along the start up process.
And thank you to the many volunteers who stand ready to help us and our future beneficiaries.

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