118 Somoni Str., apt. 27, Dushanbe 734026, Tajikistan

Mobile: (+992-93)5043337.

E-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

PROFFESIONAL SUMMARY

Last position – Director of the National Institute of refinancing of micro financial organizations in the Republic of Tajikistan - CJSC MDO « Bovari va Hamkori». Rustamova is a graduate from two universities with excellent grades: a Math faculty of Dushanbe State Pedagogical University and a Law Faculty of Tax and Law University of the Republic of Tajikistan. She has an extended management experience in micro finance sector.

She is acknowledged by GIZ and Association of micro finance organization of Tajikistan (AMFOT) as an “Effective manager of year 2007”, she was awarded by a special prize of AMFOT for “Input and development of association in year 2008”. In 2013 honoured first prize of National Association of Managers and Marketing specialists in nomination “Business – lady of Tajikistan” and was named among top 10 head managers of the country in year 2012.

Rustamova is an Initiator and organizer of establishment of AMFOT and was selected as a member of Board of Directors of Association for many years. She has a working experience in Government agencies, Parliament and Executive Office of the President of the Republic of Tajikistan.  Received comprehensive specialized training in School of Frankfurt “Finance and Management”, in courses of ILO, MFC (Poland), BFC, IFC, GARP, World Bank, Asian Development Bank and National Bank of Tajikistan.

Rustamova is a certified trainer of ITC ILO, trainer- expert and consultant MFC, CEFE/GIZ, and author of the program for professional training of loan specialists.

Conducted more than 100 educational courses for staff of micro finance organizations of Azerbaijan, Kazakhstan, Uzbekistan and Tajikistan by the request from MFC, ILO, IOL, and AMFOT on the subjects:

• Key to successful micro financing (ILO)
• Course on preparation of risk managers (GARP)
• Preparation of loan specialists (MFC)
• Business- planning in MFO (GIZ)
• Accounting in MFO (MFC)
• Development of credit products (MFC)
• Risk management in MFO(MFC)
• Stability of micro finance organizations (MFC)
• Entrepreneurship plus credit (GIZ)
• Start and perfect your business (ILO) and etc.

EDUCATION AND QUALIFICATIONS

1999- 2001

Tajik State Law and Tax University – Faculty of Law, Diploma

1973- 1977

Dushanbe State Pedagogical Institute - Maths Department, Diploma

• ILO – training of the trainers, «Key to successful micro financing», «Diversification of products».
• GARP (USA) – Preparation course of risk managers.
• School of Frankfurt «Finance and Management»: MICRO & SME BANKING SUMMER ACADEMY 2013, study tour on « Support of micro finance sector in rural areas».
• Polish Microfinance Centre for Eastern Europe and CIS countries: “Financial analysis”, “Management of delinquencies. Formation of effective interest rate”, “Management of operational risks”, “Portfolio management”, “Strategic planning”, «Business planning and financial modelling».
• Mercy Corps International: “Financial analysis of agricultural loan”.
• Counterpart Consortium: Training of trainers.
• International Corporation “Pragma“:   “Management of human resources”.
• Soros Foundation – Study Tour for organizers “Business-incubator”.
• Institute of Cultural relations, USA - “Strategic planning through participation”.
• International Financial Corporation - “Leasing”, corporate management.
• Central Asian Microfinance Alliance САМFA
• “Business planning in MFO”, “Training for members of Trustee Board”.
• GTZ: “Technology of individual crediting”, “Management of credit risks», “Bonus system for employees’ labour”, “Management MFO”, “Agricultural crediting”, Training of Trainers on SEFE Program.
• Training Centre of National Bank of Tajikistan.
• “Microfinance and monetary policy”.

PROFFESIONAL EXPERIENCE

2008 – 2015

Director of the National institute of refinancing of micro financial organizations of the Republic of Tajikistan “Bovari and Hamkori” (apex).

2005 - 2008

Director, Micro Loan Fund “ZAR”

1997 - 2005

Director, Fund “Oila”

2003 - 2004

Manager, Microfinance Project of National Social Investment Fund of Tajikistan – World Bank 2nd Project for poverty reduction.

2003 - 2005

Consultant:

• ACTED – Agency for Development (France) – registration of Association of Microfinance Organizations of Tajikistan, partnership with MFOs of Azerbaijan, Kazakhstan and Uzbekistan.
• Hilswerk (Austria) – survey of population needs in microfinance services in three regions of Khatlon region.
• Lobbying of draft law on microfinance in RT.
• Ministry of Labour and Social Protection of RT – development of state microfinance programme

2003 - 2005

NGO “Sitorai Najot” – MLF “Imkoniyat” – consulting for management, business-planning, attraction of external resources. Institutional development of NGO and formation of independent microfinance and sustainable institution. Legal registration, structure development, credit, financial and administrative policies and procedures and credit products of organization.

1999 - 2003

Director of Micro Credit Dushanbe Centre- Project of Mercy Corps International /National Association of Business Women of Tajikistan (Imon International)

QUALIFICATIONS

• Market survey of microfinance services provided by the local and international NGOs and commercial banks in Tajikistan.
• Survey on the development of agricultural microfinance programs in Muminobod, Khovaling and Baljuvon districts.
• Survey of population needs in microfinance services in Tursunzade, Fayzobod, Shahrinav and Khofarnihon districts.
• Participation in market survey of microfinance services in Tajikistan within the UNIFEM Program.
• Materials for open discussion of Draft law “On Microfinance organizations in the Republic of Tajikistan”.
• A series of articles on microfinance activity of NGOs in Tajikistan, employment of women at the labour market and labour migration.
• Modules development for the seminars: “Business and credit”, “Evaluation of project’s sustainability”, “Business planning”, “Financial aspects of entrepreneurship” “Fundamentals of microfinance and sustainable development of MFO”.
• Development of study program for professional preparation “Credit specialist” (DAKUUM method).

RESEARCH AND PUBLICATIONS

2004-2008 Dushanbe

Series of articles on microfinance activity of NGOs in Tajikistan, employment of     women at the labour market and labour migration.

2004- Tajikistan

Market survey of microfinance services provided by the local and international NGOs and commercial banks in Tajikistan.

2004- Khatlon

Survey on the development of agricultural microfinance programs in Muminobod, Khovaling and Baljuvon districts.

2004- DRS

Survey of population needs in microfinance services in Tursunzade, Fayzobod, Shahrinav and Khofarnihon district.

2002- Tajikistan

Participation in market survey of microfinance services in Tajikistan within the UNIFEM Program.

1999- Dushanbe

Evaluation of credit services provided to the clients of microfinance programs

2003-2004

Tajikistan Materials for open discussion of Draft law “On Microfinance organizations in the Republic of Tajikistan”. First Law

2012-2013

Tajikistan Materials for open discussion of Draft law “On Microfinance organizations in the Republic of Tajikistan”. Second Law

ACADEMIC WORK

1999-2006 Dushanbe

Modules development for the seminars:

“Business and credit”, “Evaluation of project’s sustainability”, “Business planning”, “Financial aspects of entrepreneurship” “Fundamentals of microfinance and sustainable development of MFO”

2008 Dushanbe

Development of study program for professional preparation “Credit specialist” (DAKUUM method)