Upcoming projects in 2017

Progressive Cooperative, India
Microdreams, USA
Transfedha Microfinance, Kenya
SPBD, Tonga
Good Shepherd Microfinance, Australia/New Zealand

New Zealand Household Debt Survey

South Pacific business development


In 2016, SPBD contracted AMI to prepare a feasibility study to determine the optimal format for its new international money transfer service. AMI also performed market entry due diligence with regard to the New Zealand money transfer industry.

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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
  • Reviewing multiple case studies of other money transfer operators in the Asia-Pacific region


In 2016, SPBD contracted AMI to undertake an assessment of its inter-island money transfer service. AMI consultants conducted a review of the delivery framework and devised both marketing and roll-out strategies for the new product.

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Phase one of this project involved:

  • Redesigning SPBD's money transfer request forms
  • Developing terms and conditions for transfer
  • Providing a number of recommendations with regard to SPBD's internal policy.

Phase two of this project involved:

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


Kalaymyo, Myanmar

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. 

In 2016, AMI advised SEAM on two areas of its operation in Kalaymyo.

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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

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

Nga Tangata Microfinance Trust

Auckland, 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. 

In 2016, AMI assisted Nga Tangata Microfinance with a comprehensive funding plan.

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Fund collection & 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 & Te Karanga Trust

Auckland, 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. 

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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.


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.

Good Shepherd Microfinance & BNZ

New Zealand & Australia

AMI conducted a New Zealand debt composition study for BNZ's Community Finance Initiative. This study identified non-mortgage debt trends in New Zealand, made comparisons between New Zealand household indebtedness with Australia and other OECD countries, broke down debt composition by population characteristics and identified strategies for addressing problems for at-risk groups. 

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

Auckland, 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 & Asha

Delhi, India

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. 


Auckland, New Zealand

Microwise (formerly the Employment Generation Fund) is one of New Zealand's oldest and well-known providers of unsecured, low interest loans to SME's and social enterprises. AMI has undertaken two projects for Microwise and its clients. 

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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.