Hello, I am Carlos Ani an international microfinance consultant. Welcome to my website. My updated CV is in this website. See my CV The seminar materials on   Risk Based SME Lending  will become availabe in this website, for free download, by Wednesday, April 9, 2008 at 8 in the morning. Currently they are not yet available here (due to heavy current workload of Mr Carlos Ani). Please return to this website on that date or after that date. Click here to return to the DEVJOBS homepage PUBLIC   SERVICE Avoid being victimized by online fraudsters. Learn more about online scam and fraud. As a public service, we compiled 30 feature articles about online scam and fraud, which includes phishing, investment scams, auction fraud, online purchasing scams, and scams on employment job offers. Click here to see list of articles. Some portions of this website is still under construction.