David Kruijff

David joined CGAP in 2021 as part of its MSE team. Prior to this he has accumulated a wealth of experience in the microfinance sector working for organizations like ProCredit, the International Finance Corporation (IFC), and OXFAM. David held Board positions on regulated MSME banks in Nigeria, Ghana and Kenya, one Serbian Bank and a finance company in Kosovo.

More recently he has been a Director of a fintech that digitises MFI operations and designs credit scoring algorithms, and has worked for the Cambridge Centre for Alternative Finance helping them establish a global collaboration network, where he still holds a Research Affiliate position. Currently David is Chairman of Musoni BV, and Credit Committee member at Incofin.

David obtained his first Masters degree at the Agricultural University of Wageningen in Rural Development Studies, and a second Masters degree at Aberystwyth University in Post-Colonial Politics.

By David Kruijff

Research

Empowering Small Giants: Inclusive Embedded Finance for Micro-retailers

This focus note outlines various business models that incorporate last-mile retailers into digital ordering platforms, offering them convenience, transparency, and a wide range of products.
Research

The Promise of Fintech for Micro and Small Enterprises

This reading deck highlights technological trends and fintech business models with high potential to reach underserved MSEs with improved and responsible financial services.