Ruth Thiemele Kadjo


Ruth is a highly motivated Financial Inclusion and Risk Management junior consultant. She joined PHB in September 2016.

She has been involved in digital finance workshops and training in Benin and Senegal, aiming to give stakeholders a better understanding of what already exists in term of digital financial services and the applicable regulations. She has also participated in digital savings and credit product launch and writing for the series of toolkits for Financial Service Providers to go digital with UNCDF and the MasterCard Foundation.

Ruth started her career as a Coordinator Assistant for African Microfinance Transparency (AMT) in Dakar, a project of ADA Luxembourg. She later joined the MIX as Associate Analyst in charge of annual and quarterly financial and operating data collection and revision from Microfinance Institutions (Nigeria, Kenya, MENA, West Africa). Her experiences at AMT, at Microfinance Information Exchange (MIX) as an Associate analyst and at the French NGO Positive Planet as Public Partnership Development Officer has allowed her to acquire a keen interest and skills in Financial Inclusion Projects development and Microfinance Institutions capacity building, with a strong focus on Africa.

Ruth has graduated from KEDGE Business School (2017, Bordeaux, France) with a Master degree in Global Risk Management. She has also completed a Bachelor Degree in Management approaches and techniques with a specialization in Finance. She is fluent in French, English, Wolof (Senegal) and Creole (Portuguese-based) and has some skills in Spanish.

Relevant expertise (client-centered) :

• Financial analysis for the microfinance sectors: microfinance institutions financial statements, institutional diagnostics, country analysis

• Capacity building to financial service providers: training and coaching of clients/staff

• Project development: project activities implementation

PHB Blogs

  • PHB Co-hosts Roundtable on Practical Adaptation to Climate Change
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    Report: Supporting a ‘New Channel’ of Agency Banking
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  • Agriculture and displacement: PHB at UN Climate Conference
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PHB News

  • ‘Mama bank’ launched for biometric access
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  • PHB Newsbrief & Year in Review video
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    • Digitizing Payments in Agricultural Value Chains in Uganda by UNCDF
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