South Pacific Business Development

Samoa, Tonga

South Pacific Business Development is a network of microfinance institutions in the Pacific Islands that is dedicated to empowering women by providing opportunities for them to begin and grow their own sustainable income-generating enterprises.


Project Name: Anti-Money Laundering Guidelines

This project largely involved:

  • Drafting a set of anti-money laundering guidelines for SPBD Tonga to assist with recognizing money laundering activities and identify procedures for staff to follow in order to report suspicious transactions. This included detailing in the output:
    • Examples of suspicious transactions and money laundering
    • Reporting requirements
    • How to undertake customer due diligence

2016 Samoa

Project Name: Feasibility Study and Market Due Diligence

This project largely involved:

  • Conducting a cost-benefit analysis of three different delivery models
  • Conducting a compliance assessment (business registration, suspicious transaction reporting, customer due diligence, risk assessments and annual reporting)
  • Performing demographic and agent mapping in order to identify optimal delivery zones

Project Name: Money Transfer Service Assessment

This project largely involved:

  • Redesigning SPBD's money transfer request forms
  • Identifying SPBD's unique value proposition in the market and its product objectives
  • Identifying optimal pricing points within the market and key industry trends
  • Developing a cost-effective, community driven marketing strategy


Progressive Cooperative


Progressive Cooperative is a not-for-profit credit society based in India that provides bank products and support to the financially excluded, families, and micro-enterprises.


Project Name: Starting a Cooperative

This project largely involved:

  • Researching different banking models in New Zealand and Australia with a particular focus on non-bank deposit takers.
  • Outlining a step-by-step process to create a credit union or building society in New Zealand and Australia.
  • Researching and reporting on the legal requirements to set up and maintain a credit union or building society.



USA, New Zealand

MicroDreams is a microfinance organisation that is based in the United States and New Zealand that aims to empower the poor to lift themselves out of poverty through meaningful and sustainable economic opportunity.


Project Name: Impact Investment

This project largely involved:

  • Researching potential candidates for the Board of Microdreams to approach for impact investment of approx. USD 100,000.
  • Assessing whether the work of Microdreams fulfilled the criteria for various grants given by foundations based on the type of work they undertake.
  • Creating proposal briefs for each of the candidates identified by the AMI consultants and pitching these to the CEO and Trustees on weekly skype calls. Candidates were then screened and passed on to the board to be taken further.




Transfedha is a microfinance organisation based in Kenya that is geared towards women, youth, and community empowerment to eradicate poverty.


Project Name: Transfedha Growth Project

This project largely involved:

  • In the first stage, we evaluated Transfedha’s operation and recommended improvements on their operation and financial performance in accordance to the S.M.A.R.T guidelines.
  • In the second stage of the operation, we assisted Transfedha with securing external funding through searching potential partner and the creation of a pitch book for individual investors (still in progress).


South East Asia Microfinance


As well as sending consultants to Myanmar in 2015, AMI has advised SEAM on a number of projects in prior years, including its interest rate scheme, team network lending programmes and social impact assessment framework.


Project Name: Customer Feedback Satisfaction Tool

This project largely involved:

  • Conducting a literature review of the SMART Campaign's Client Protection Principles.
  • Assessing SEAM's mechanisms for complaint resolution.
  • Developing a thorough feedback collection and grievance process to be implemented by ground staff and management.

Project Name: Financial Management Systems

This project largely involved:

  • Advising on the SMART Campaign's Client Protection Principle: avoiding the over-indebtedness of clients.
  • Reviewing the current loan assessment framework and recommending standardised credit assessment techniques.
  • Developing staff training materials for implementation.

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Ngā Tangata Microfinance Trust

New Zealand

AMI has a longstanding relationship with Nga Tangata Microfinance and has advised on a number of different issues. For example, the widespread issue of Truck Vending throughout New Zealand, education empowerment initiatives and financial literacy programmes.


Project Name: Fund Collection and Financial Sustainability

This project largely involved:

  • Assessing NTM's financial position and testing growth assumptions.
  • Identifying operational and capital funding requirements.
  • Developing a plan for choosing corporate partners, which included strategies for NTM's value proposition, cultural allignment, implicit links and the nature of payments.
  • Assisting with the application process


Auckland Council and Te Karanga Trust

New Zealand

In partnership with Auckland Council's Community Development and Safety (CDS) team, AMI has undertaken three projects to help community groups and micro-entrepreneurs build the capabilities of social enterprise in Auckland's regional communities.

  • Social Enterprise
    • AMI assisted a second-hand uniform shop with selling its uniforms to under-privileged families in Manurewa. The team interviewed the client, performed market research and gathered data to ascertain the best way for the social enterprise to market itself.
  • T-Shirt Business
    • AMI assisted a young start-up entrepeneur with marketing and developing his t-shirt screen printing business. AMI's initiative team advised on financial and administration issues, which successfully resulted in the expansion of the business.
  • Funding
    • In collaboration with Auckland Council, AMI provided consulting services to a social enterprise on Karangahape Road, Auckland. The team assisted Te Karinga Trust with developing a new sustainable funding structure. AMI performed market research and gathered data to ascertain the best way for the Trust to utilise government grants and sponsorship to cover operating costs.


Aotearoa Development Cooperative

Malawi & Myanmar

Previously, AMI conducted due diligence on the microfinance market in Malawi and performed a feasibility study for new initiatives in the region. In 2016, AMI advised ADC on its current fund model and proposed new partners for a Payroll Giving programme.


Kiwi Bank

New Zealand

As part of its broader commitment to corporate social responsibility, Kiwi Bank is committed to promoting microfinance within New Zealand and in doing so, supports a number of different charities.

AMI consultants developed a prototype framework for starting a microfinance organisation in New Zealand. Its purpose was to provoke discussion and serve as a source of information for the budding microfinance sector in New Zealand. This resource is available to any organisation and can be accessed here.


Tear Fund and ASHA


AMI created a fundamental financial curriculum for slum communities in Delhi as part of the Asha initiative. With language barriers in mind, our team compiled information on financial literacy, business development and marketing with the purpose of providing workshops to small business owners.





  • Social Impact Assessment Framework
    • AMI assisted Microwise with developing a dynamic Social Impact Assessment Framework to assess its own charitable objectives. This involved determining current employment levels in New Zealand, extrapolating the initiative's intended impact accross society and developing important KPI's to monitor as part of their broader framework.
  • Pacific Islands Frozen Food
    • AMI analysed past financial performance, conducted surveys on product taste and undertook market research to assist one of Microwise's clients with starting their business. The team's work was implemented by the client and incorporated into their business model.