Edgar Laureano Juárez Sepúlveda CURRICULUM VITAE

CURRICULUM VITAE
Edgar Laureano Juárez Sepúlveda
Nationality: Guatemalan
36 calle 13-97 Zona 2, San Angel IV, Guatemala C.A.
Telephones (502) 5580-0050 ● (502) 2286-0158
[email protected] ● [email protected]
Important Information
Edgar Juárez Sepúlveda (1971) has a relevant experience on the Central American, Caribbean, Panamá and México markets
in subjects related to: design and implementation of integral systems for the risk management of microfinance, methods and
implementation of credit products for housing and the component of constructive technical assistance, studies of facts and
causes about the over-indebtedness in country level, evaluations of institutional and financial capacity in credit request and
funding risk for second-tier institutions, design of social development management GDS, measurement of Progress out of
Poverty Index™ (PPI™), method and project management, ex-ante evaluation during and ex-post of investigation projects,
development and innovation. During the 22 years of professional career he has fulfilled management tasks in different entities
of microfinance fields and building management; during the last 8 years as founding member and general manager of
companies that are in charge of consultancy, science and technology. Work, projects and consultancy for entities such as:
BID-FOMIN, BCIE, UE, USAID, IFC, REDIMIF, REDCAMIF, ADA, OIKOCREDIT, FDLG, SENACYT, CORDAID, ICCO,
among others.
Ph.D. in Investigation Science, Master in Finance (MSc.AF), master in Projects Formulation and Evaluation (MSc.FEP),
Authorized with an International Certificate of Risk Management (CRM™) and Architect that has fulfilled during his 15 years a
teaching career at the main Guatemalan universities in different programs of post-graduate, master´s degrees and Ph.D
Speaker for events in Central America, the Caribbean, Colombia, Ecuador, Peru and Canada.
University Studies
2012
Ph.D., in Investigation Sciences, Post-Graduate of Investigation and Applied Data Processing UMG.
2007
Master´s Degree in Finance. MSc. Degree, School of Economics San Carlos de Guatemala University
2005
Master´s Degree in Projects Formulation and Evaluation MSc., School of Economics San Carlos de Guatemala
University
2002
Master´s Degree in Teaching , Istmo University, Guatemala
1998
Architect, School of Architecture, San Carlos de Guatemala University
Memberships in Professional Schools, Society, Certifications and/or Association
Authorized architect member 1,383. Authorized Member Certified in Risk Management CRM™, IIPER, AACSB. Project
Management Institute Member ID 3160260. National Registry of Investigators –RNI- at the Secretaría Nacional de Ciencia y
Tecnología –SENACYT- code number 2511. Registry of Qualified Consultans of Guatemala code number 4490. Trainer
specialized in Social Performance Management (GDS) http://www.mision.redcamif.org/capacitadores/guatemala/. American
Experts in Innovation Red (REDINNOVA) http://www.redinnova.net/expertos.aspx. Progress out of Poverty Index™ (PPI™)
registered trainer http://www.progressoutofpoverty.org/registry-ppi-trainers. Responsible Finance Technical Assistance Supplier
Social Performance Task Force http://sptf.info/resources/ta-providers. Trained and authorized consultant with Smart Supervisor
Certificate in Panama The Smart Campaign”. The Autodesk Authorized Training Center (ATC®) AutoCad Advanced No. 0546
Certificate. Central American Agency of Architecture and Engineering Programs (ACAAI), Evaluator ID: A.006.032, Certificate
01.15.033.
Work Experience in the following countries:
México, Dominican Republic, Nicaragua, Salvador, Panama, Honduras, Costa Rica and Guatemala.
1
Work Experience
Consultant and General Manager. Grupo Analítica –Integral Project Management. Central America, the
Actual-2008
Caribbean and México
Consultant and General Manager. Centro Interamericano de Investigación, Desarrollo Tecnológico y
Actual-2007
Competitividad -CIDTEC-, México´s and Guatemala
2005-2009
Housing Technical Unit Director. Fundación Génesis Empresarial, Guatemala
2000-2005
General Manager. Solidez Arquitectónica, Guatemala
1998-2000
Division Manager. Digital Design Systems Division Construcciones Nabla. Guatemala, Salvador, Honduras
1996-1998
Division Manager. Topography and Calculation Division Construcciones Nabla. Guatemala, Salvador,
Honduras
Relevant Experience in Integral Risk Management (relevant ones)
System Development, Diagnosis, Regulations, Action Plan, Accompany and Capacitation
2015
2015
2015
2014
2014
2014
Main Consultant “Credit and Field Monitoring Analysis to the intermediary Farm property of OIKOCREDIT”.
Finca Guatemala and support of OIKOCREDIT, Guatemala.
Main Consultant “Technical Assistance for structure and implementation of an Integral Risk System for the
Fondo para el Desarrollo Solidario FONDESOL”. REDCAMIF, Appui au développement autonome (ADA) of
Luxemburgo and REDIMIF, Guatemala
Main Consultant “Technical Assistance for diagnosis and implementation of an Integral System of Risk
Management 2015”. Basic phase: Asociación Guatemalteca para el Desarrollo (AGUDESA) and Ayúdense y
Nosotros les Ayudaremos (AYNLA) Association. Advanced Fase: Asociación (SHARE), Fundación del Centavo
(FUNDACEN), Fondo para el Desarrollo Solidario (FONDESOL) Associations. Support of OIKOCREDIT, Guatemala
Main Consultant “Technical Assistance for structure and implementation of an Integral Risk System for the
Apoyo Integral Guatemala”. Apoyo Integral Guatemala S.A. with support of Swiss Capacity Building Facility SCBF
and Bamboo Investment, SARL, Guatemala
Main Consultant “Technical Assistance for diagnosis and implementation of an Integral System of Risk
Management”. Fundación del Centavo FUNDACEN, Asociación SHARE and Asociación MUDE. Support of
OIKOCREDIT, Guatemala
Main Consultant “Implementation of a system and tools for an integral risk management in microfinance”.
Mujeres en Desarrollo MUDE Association. Support of REDIMIF,REDCAMIF, Guatemala
2014
Main Consultant “Implementation of a system and tools for an integral risk management in microfinance”.
SHARE Association Guatemala. Support of REDIMIF,REDCAMIF, Guatemala
2014
Main Consultant “Implementation of a system and tools for an integral risk management in microfinance”.
ADEL IXCAN Association. Support of REDIMIF,REDCAMIF, Guatemala
2013
Main Consultant “Environmental Risk Management and Planning against natural disasters Policy”.
Fundación Crecimiento y Solidaridad CRYSOL, Banco Interamericano de Desarrollo -BID-, Guatemala.
Main Consultant “Risk Management and Vulnerability of Coffee Cultivation Manual” Rainforest Alliance,
CIDTEC, Technical Assistance Red to Sustainable Primary Products (SCAN) and Asociación para la Promoción del
Comercio Equitativo de Centro América, México y el Caribe Association(CRECER)
Main Consultant “Implementation of a system and tools for an integral risk management in microfinance”.
Asociación para el Desarrollo RAIZ, REDIMIF,REDCAMIF Association, Guatemala
Main Consultant “Implementation of a system and tools for an integral risk management in microfinance”.
Cooperación para el Desarrollo Rural de Occidente Association REFICOM-CDRO, REDIMIF,REDCAMIF,
Guatemala
Main Consultant “Implementation of a system and tools for an integral risk management in microfinance”.
The Friendship Bridge, REDIMIF,REDCAMIF, Guatemala
2012
2012
2012
2012
2
2012
20122011
Main Consultant “Implementation of a system and tools for an integral risk management in microfinance”.
Fundación de Asistencia para la Pequeña Empresa FAPE, REDIMIF,REDCAMIF Association, Guatemala
Main Consultant “Institutional Strengthening for ASDIR: Social Performance Management -GDS-”.
Environment Risk Policy and Following to the Implementation. Desarrollo Integral Rural ASDIR Association,
OIKOCREDIT, Guatemala
Relevant Experience in Housing Consultancy (relevant ones)
Product Development, Constructive Technical Assistance, Microcredit Process, Regulation, Accompany and Capacitation
20162015
Main Consultant “CREATION SERVICES IN CONSTRUCTIVE TECHNICAL ASSISTANCE FOR DELTA BANK
THAT OFFERS INCLUSIVE HOUSING FINANCIAL SERVICES IN PANAMÁ”. Banco Delta S.A., REDCAMIF,
Appui au développement autonome (ADA) de Luxemburgo, REDPAMIF. Panamá
Main Consultant “FINANCIAL PRODUCTS REDESIGN AND POLICY ADAPTATION AND CREDIT PROCESS
FOR COOPERATIVA DE SERVICIOS MÚLTIPLES JUAN XXIII, R.L. SOCIETY”. REDCAMIF, Appui au
développement autonome (ADA) de Luxemburgo, REDPAMIF. Panamá
Main Consultant “CREATION SERVICES IN CONSTRUCTIVE TECHNICAL ASSISTANCE FOR COOPERATIVA
JUAN XXIII SOCIETY THAT OFFERS INCLUSIVE FINANCIAL SERVICES FOR SOCIAL HOUSING IN
PANAMÁ”. REDCAMIF, Appui au développement autonome (ADA) de Luxemburgo, REDPAMIF. Panamá
20162015
Main Consultant “DESIGN, REVISION, CONTEXTUALIZATION OF INCLUSIVE FINANCIAL SERVICES OF
SOCIAL HOUSING IN MUDE ASSOCIATION, DIGNIFIED HOUSING”. Asociación de Mujeres en Desarrollo
MUDE, REDCAMIF Association, Appui au développement autonome (ADA) de Luxemburgo, REDIMIF. Guatemala
20142015
Consultant “Trading Scheme Implementation and Constructive Technical Assistance for Social Housing
Inclusive Financial Services in Central America and Dominican Republic”. REDCAMIF, Appui au
développement autonome (ADA) of Luxemburgo y SIC Desarrollo, Guatemala, Honduras and Dominican Republic.
20162015
20162015
20132014
2013
20132014
2013
20132014
2013
Consultant “Organization Models Identification and Service Provision of Constructive Technical Assistance
for the Social Housing Inclusive Financial Services and Basic Related Services in Central America y and
Dominican Republic”. REDCAMIF, Appui au développement autonome (ADA) of Luxemburgo and SIC Desarrollo,
Guatemala, Salvador, Honduras, Nicaragua, Costa Rica, Panama and Dominican Republic.
Consultant “Viability Study and Products Design for Implementing Social Housing Inclusive Financial
Services and Basic Related Services in Central America y and Dominican Republic”. REDCAMIF, Appui au
développement autonome (ADA) of Luxemburgo and SIC Desarrollo, Guatemala, Honduras and Dominican
Republic.
Main Consultant “Technical Assistance for Promoting the Subsidy-Credit Modality”. Banco Interamericano de
Desarrollo -BID- e Instituto de la Housing Urbana y Rural (INVUR), Managua, Nicaragua.
Main Consultant “Commercialization Training for the mass use Offer of CASAFIN”. Soluciones
Microfinancieras S.A (MICROSERFIN). Panamá
Consultant Team Member “Policy Creation and housing microcredit regulations and creation of the
Constructive Technical Assistance Manual”. FDLG/Cooperativa “Copecom R.L. del Sistema MICOOPE” Society,
Guatemala
Consultant Team Member Policy Creation and housing microcredit regulations and creation of the
Constructive Technical Assistance Manual”. FDLG/Cooperativa “Tonantel R.L.del Sistema MICOOPE” Society,
Guatemala
20112012
Consultant “Integral Process Design and Credit Regulation for a housing improvement in Microserfin”.
Soluciones Microfinancieras S.A. y SIC Desarrollo , Panamá
2011
Consultant “Microcredit product Design and housing savings: methodology, Technical Assistance, training,
sales force and referred systems of Patrimonio Hoy”. Cementos de México –CEMEX- and Banco
Interamericano de Desarrollo -BID- , México
3
2010
2010
2005
Main Consultant “Design Technical Assistance Requirements for the housing microcredit program of
Cementos Progreso and BID”. Banco Interamericano de Desarrollo -BID- and Cementos Progreso, Guatemala
Main Consultant “Policy Creation and housing microcredit regulations and creation of the housing
microcredit with Constructive Technical Assistance Manual”. FDLG/Asociación de Desarrollo Integral
Association “Cuenca del Lago de Atitlán” -ADICLA-, Guatemala
Main Consultant “Systematization and Mass use of the Housing and Popular Housing Credit Improvement
and Extension Program”. Fundación Génesis Empresarial/FDLG/ASDI, Guatemala
Relevant Experience in Social Performance Consultancies (relevant ones)
Social Performance Management (GDS), Progress out of Poverty IndexTM (PPITM), Indicators Implementation and Policy Development
2015
2015
Main Consultant “Technical Assistance for a Social Performance Management System Design -GDS- for the
Entity Fondo para el Desarrollo Solidario FONDESOL”. REDCAMIF, Appui au développement autonome (ADA)
of Luxemburgo and REDIMIF, Guatemala
Consultant “External Evaluation for the fulfillment of the client protection principles certification standards
SMART CAMPAING PPC”. Corporación para la Promoción y Desarrollo Corp. (PRODESA), Nicaragua Branch
Consultant “External Evaluation for the fulfillment of the client protection principles certification standards
SMART CAMPAING PPC”. Fondo para el Desarrollo Solidario (FONDESOL) Society, Guatemala.
Main Consultant “Implementation and pilot of the Progress out of Poverty Index™ (PPI™)”. Cooperativa
2015 Integral de Ahorro y Crédito COPEDEL. REDIMIF,REDCAMIF Society, Appui au développement autonome (ADA)
of Luxemburgo, Guatemala
Main Consultant “Technical Assistance for a Social Performance Management System Design -GDS-”.
2014 Asociación ADEL IXCAN, REDIMIF,REDCAMIFAssociation, Guatemala
Main Consultant “Implementation and pilot of the Progress out of Poverty Index™ (PPI™)”. Fundación de
2013
Asistencia para la Pequeña Empresa FAPE, REDIMIF,REDCAMIF Society, Guatemala
Main Consultant “Implementation and pilot of the Progress out of Poverty Index™ (PPI™)”. Fundación para el
2013 Desarrollo de la Pequeña Empresa FUNDESPE, REDIMIF,REDCAMIF Society, Guatemala
2013 Main Consultant “Debt Consolidation Product”. SHARE Association Guatemala
Main Consultant “Technical Assistance for a Social Performance Management System Design -GDS-”.
2012
Asociación SHARE, REDIMIF,REDCAMIF Association, Guatemala
Main Consultant “Implementation and pilot of the Progress out of Poverty Index™ (PPI™)”. Asociación
2012
Guatemalteca para el Desarrollo AGUDESA, REDIMIF,REDCAMIF Association, Guatemala
Main Consultant “Technical Assistance for a Social Performance Management System Design-GDS-”.
2012 Fundación de Asistencia para la Pequeña Empresa FAPE, REDIMIF,REDCAMIF, Guatemala
Main Consultant “Implementation and pilot of the Progress out of Poverty Index™ (PPI™)”. Asociación
2012 Mujeres en Desarrollo MUDE, REDIMIF,REDCAMIF, Guatemala
Main Consultant “Implementation and pilot of the Progress out of Poverty Index™ (PPI™)”. Asociación
2012
SHARE, REDIMIF,REDCAMIF, Guatemala
Main Consultant “Technical Assistance for a Social Performance Management System Design -GDS-”.
2011 Fundación para el Desarrollo de la Pequeña empresa FUNDESPE, REDIMIF,REDCAMIF, Guatemala
2011- Main Consultant “Institutional Strengthening for ASDIR: Social Performance Management System -GDS-”.
2012 Develop and implementation of indicators. Social Responsibility Policy, Alimentary Security Policy, Local
Development Policy and continuation to the implementation. Asociación de Desarrollo Integral Rural ASDIR,
OIKOCREDIT Association, Guatemala
Relevant Experience in Institutional Capacity Consultancy (relevant ones)
2015
Administrative and Strategic Institutional Financial Capacity Analysis and Financing Requests, Risk Analysis
2014
Consultant “Creation of Credit Application for Asociación para el Desarrollo Integral de Guatemala ADIGUA
Association”. Fideicomiso para el Desarrollo Local en Guatemala –FDLG-, Guatemala
2014
Consultant “Credit Application Analysis Study for Crédito de Asociación de Desarrollo Integral “Cuenca del
Lago de Atitlán ADICLA” Association. Fideicomiso para el Desarrollo Local en Guatemala –FDLG-, Guatemala
4
2013
2013
2012
Consultant “Institutional and Financing Capacity Study for Asociación para el Desarrollo Integral de
Guatemala ADIGUA” Association. Fideicomiso para el Desarrollo Local en Guatemala –FDLG-, Guatemala
Consultant “Institutional and Financing Capacity Study for Fundación de Asesoría Financiera a
Instituciones de Desarrollo y Servicio Social -FAFIDESS-”. Fideicomiso para el Desarrollo Local en Guatemala –
FDLG-, Company Guatemala
Consultant “Institutional and Financing Capacity Study for Cooperativa Unión Popular”. Fideicomiso para el
Desarrollo Local en Guatemala –FDLG-, Company Guatemala
2012
Consultant “Institutional and Financing Capacity Study for Cooperativa Tonantel”. Fideicomiso para el
Desarrollo Local en Guatemala –FDLG-, Company Guatemala
2010
Main Consultant “Financing Request Evaluation for the housing credit program and Institutional and
Financing Capacity Study for Fundación Crecimiento y Solidaridad –CRYSOL- al FDLG”. Fideicomiso para el
Desarrollo Local en Guatemala –FDLG-, Guatemala
2010
Main Consultant “Financing Request Evaluation for the housing credit program and Institutional and
Financing Capacity Study for Cooperativa Salcaja R.L. al FDLG”. Fideicomiso para el Desarrollo Local en
Guatemala –FDLG-, Guatemala
Relevant Experience in Project Management Consultancies (relevant ones)
Formulation, Management, Design, Implementation and Ex-ante Evaluation during and Ex-post
20142015
Main Consultant “Facts that determine the over-indebtedness in the microfinance sector 2014“. Comisión de
sobrendeudamiento REDIMIF, BID/FOMIN, OIKOCREDIT, ICCO, Appui au développement autonome (ADA) of
Luxemburgo, CREDIREF and 25 finance companies and banks, Guatemala
2014
Main Consultant “Ex-post Evaluation of results and impacts of investigation and development projects of
the –FODECYT-“. -BID- and Secretaria Nacional de Ciencia y Tecnología –SENACYT-, Guatemala
20142007
Main Consultant “Ex-ante Evaluation of Investigation and Technological Development Projects”
Evaluator since the Summoning XVI (2007) a la XLIV (2014) FODECYT & MULTICYT Secretaria Nacional de
Ciencia y Tecnología –SENACYT-, Guatemala
2012
Main Consultant “Ex-post Evaluation of results and impacts of investigation and development projects of
the –FODECYT-“. -BID- and Secretaria Nacional de Ciencia y Tecnología –SENACYT-, Guatemala
2010
As Specialist Evaluator “Evaluation of the Architecture Master´s Degree Studies Program of the University
Universidad Centroamericana, Nicaragua”. Banco Interamericano de Desarrollo -BID- / Agencia
Centroamericana de acreditación de programas de arquitectura y de ingeniería –ACAAI-, Nicaragua
2010
Main Consultant “Ex-post Evaluation of results and impacts of investigation and development projects of
the –FODECYT-“. -BID- y Secretaria Nacional de Ciencia y Tecnología –SENACYT-, Guatemala
2009
Costs calculation Study for Coffee Producers. México´s South and Central America. Rainforest Alliance/
ECOM/Nestle/ IFC/ CIDTEC
2007
Main Consultant “Ex-post Evaluation of results and impacts of investigation and development projects of
the –FODECYT-“. -BID- y Secretaria Nacional de Ciencia y Tecnología, SENACYT, Guatemala
Relevant Experience in Strategic Planning Consultancies (relevant ones)
Formulation, Design, Implementation, Strategic Lines, Business Plans, Training, Accompany and Evaluation
2013
2010
Main Consultant “Develop and Implementation of the Strategic Plan”. Fundación de Asistencia para la
Pequeña Empresa FAPE, Guatemala
Main Consultant “Environmental and Financing Rural Markets Diagnosis and Strategic Lines Proposal of the
National Network of Microfinance, as value added to the formulation of the Regional Expansion Program of
Environmental and Rural Services of REDCAMIF”. Red Centroamericana de Instituciones de Microfinanzas –
REDCAMIF-/Red de Instituciones de Microfinanzas de Guatemala –REDIMIF-, Guatemala and Nicaragua
5
2010
2008
Main Consultant “PymeExporta Plus Export Promotion program for the insertion of companies in
international markets that includes direct Technical Assistance at the companies”. Unión
Europea/AGEXPORT/Economy Ministry, Guatemala
Main Consultant/Business Plans Counselor Summoning 2007/2008 “Create Your Company”. USAID
/TechnoServe, Inc/ PRONACOM/GUATEINVIERTE, Guatemala
Relevant Capacitation (Chosen from last years)
Management and Financial Inclusion Program GIF. Unit: Strategic Planning, Management and Financial
2015
Inclusion and Capacitation of Capacitors. INCAE BUSINESS SCHOOL. Nicaragua.
Certified Evaluator of Superior Education Programs ACAAI 2015. Central American Agency of Architecture and
2015
Engineering Certification Programs. Evaluator ID: A.006.032, Certificate 01.15.033. Panamá.
2014
Certified in Risk Management CRM™. International Institute of Professional Education and Research IIPER,
AACSB Accredited. Cartagena de Indias, Colombia.
2014
Latin-American Convention in Quantitative Methods and Risk Management. Scientific Software Shop Latin
America. Cartagena de Indias, Colombia.
2014
Specialized Training in Qualitative Information Analysis for the Investigation with the support of NVivo 10.
Scientific Software Shop Latín América, Colombia.
2014
Integral Management Risk Basis in Taking Decisions. Scientific Software Shop Latín América, Colombia.
2014
“Universal Standards of Social Performance Management Implementation Series”. The Social Performance
Task Force (SPTF).
2014
“Microsoft Project 2013 for Projects Management”. Basic Unit: Projects Planning and Advanced Following and
Projects Control. Instituto Científico del Pacífico School, Lima.
2014
Statistic with the support of the SPSS program. Latin American Social Science Faculty FLACSO. Guatemala.
2013
2013
Analysis of Financial Performance Indicators in Microfinance. Workshop for capacitor. REDCAMIF, ADA, BRS
and Microfact, Nicaragua.
Risk Management in Microfinance Program and training for trainers. Risktensive Management, Oikocredit and
REDCAMIF, Guatemala.
2013
Training for Smart Evaluators. Fulfillment Certificate. The Smart Campaign. Panamá.
2013
III Latin-American Forum of Social Performance. “Responsible Finance and Development”, Mission Program,
Catholic Relief Services CRS y REDCAMIF, Panamá.
2012
Renewable Energy Project Financial Risks Analysis. “Accelerating the Investments in Central America and
Panamá ARECA, Mipymes Verdes and BCIE, Guatemala.
2012
VI Central American and the Caribbean Conference of Microfinance. “Microfinance: Growing with Inclusion”,
REDCAMIF, Panamá.
2012
1st National Congress of Project Management, Project Management Institute, PMI. “Developing the Projects
Culture in Guatemala”, Guatemala Chapter.
2012
Advanced Project Management, Project Management Institute, PMI. Degree to be certified as PMP, Internaciones
University.
2012
¿How to Implement the Progress out of Poverty Index™ (PPI™) in the Organization? Certification Workshop.
Mission Program, COPEME, CRS, Guatemala.
2012
VI Central American Certification Forum ACAAI 2012. Agencia Centroamericana de Acreditación de Programas
de Arquitectura y de Ingeniería. Tegucigalpa, Honduras.
2012
Capacitation Workshop for Evaluators ACAAI 2012. Agencia Centroamericana de Acreditación de Programas de
Arquitectura y de Ingeniería. Tegucigalpa, Honduras.
6
2012
2012
Strategic Design and Innovation. Conference, Master´s Degree in Strategic Design and Innovation, URL,
Guatemala.
Second International Workshop “Tools of risk management for Microfinance institutions”
Institutionalization Process for the risk management of affiliated institutions to REDCAMIF and BID, Guatemala.
2011
Measurement of Progress out of Poverty Index™ (PPI™). Certification workshop. Mission Program and Grameen
Bank, Managua, Nicaragua.
2011
Strategic Planning in Microfinance Institutions. Tools Workshop for institutions. REDCAMIF and REDIMIF,
Guatemala.
2011
Creation of Risk Management Capacities in Microfinance Institutions. Institutionalization Process for the risk
management of affiliated institutions to REDCAMIF and BID, Managua, Nicaragua.
2011
Client Protection Principles in Microfinance Institutions – Smart Campaign-. Tools and auto diagnosis at the
affiliated institutions of REDIMIF, Guatemala.
2011
2011
2010
Certification as Innovation Expert. Capacitation Process of the American Expert in Innovation. –Redinnovafollowing the Methodology i-Management of Barrabés America.
Certified Manager of innovation “InnovaEmpresa Program, Innovating the Guatemalan PYMES “
Financial Sustainable Development Program in Central America –GIZ DESCA- and Escuela de Comercio Exterior
School AGEXPORT, Guatemala
Workshop: “Design and Strategy of the Social Performance Management in the Microfinance”. Central
American Red of Microfinance Institutions –REDCAMIF-/Imp-Act Consortium, Nicaragua
2010
Seminar-Workshop “Development and/or improvement of products and services” through the innovation
tool. GTZ/AGEXPORT, Guatemala
2009
II International Course about Social Projects Formulation. Organización de Estados Americanos –OEA-,
Universidad Tecnológica de Bolívar University. Cartagena de Indias, Colombia
2008
Postgraduate Course: Informal Land Markets and Regularization of Human Settlements in Latin America.
Lincoln Institute of Land Policy.
2007
Postgraduate Course: Improvement in neighborhoods as part of the City Management. Housing Development
& Management (HDM) Lund University
1997
Strategy: Formulation and Implementation. INCAE BUSINESS SCHOOL. Costa Rica.
Teaching Experience (Chosen from last years)
Present
Introduction to the Risk Analysis, Civil Engineering Department of Del Valle de Guatemala University
Present
PhD in Business Sciences. Business Administration Faculty, Mariano Gálvez de Guatemala University
2009Present
2007Present
2010Present
Master´s Degree in Strategic and Innovation Design. Rafael Landívar University, Architecture Faculty,
Guatemala
Master´s Degree in Finance, Formulation and Project Evaluation and Marketing. Economics School, San
Carlos de Guatemala University
Master´s Degree in Business Administration (MBA), Master´s Degree in Human Resources and Master´s
Degree in Finance. Business Administration Faculty, Mariano Gálvez de Guatemala University
2010-
Master´s Degree in Industrial Security. Engineering Faculty, Mariano Gálvez de Guatemala University
2011
Master´s Degree in Planning and Environmental Management. Architecture Faculty, San Carlos de Guatemala
University
Present
20092010
Master´s in Agriculture & Livestock Companies. San Carlos de Guatemala University
7
20072010
2009
20072008
Master´s Degree in Formulation and Projects Evaluation for the Social Performance and Master´s Degree in
Local Human Development and International Cooperation. Social Work School, San Carlos de Guatemala
University
Master´s Degree in Development. Dell Valle de Guatemala University
Master´s Degree in Public Administration. Instituto Nacional de Administración Pública –INAP-, Guatemala
Publications
Juárez Sepúlveda, E. (2015). Facts that condition the over-indebtedness in the micro finance area in Guatemala. ISBN 9789929-40-725-1.
http://www.industriaguate.com/isbn/buscador.php?mode=buscar&code=&tit_nombre=&col_nombre=edgar+ju%E1rez+sep%F
Alveda&tit_IDmateria=&t_idiomas=&tit_date_apar=&D_sigP=%3D
Web pages:
 http://www.microfinancegateway.org/es/library/factores-que-condicionan-el-sobreendeudamiento-en-el-sector-demicrofinanzas-en-guatemala
 http://www.grupoanalitica.com/index.php/j-stuff-2/j-stuff-5
Juárez Sepúlveda, E. (2015). Microfinance of Central America and the Caribbean, Central American and the Caribbean Red
of Microfinance Magazine (REDCAMIF). Housing microfinance: Initial concepts, edition No. 22, December 2014, pages 4 - 5.
http://www.redcamif.org/publicaciones/revista-de-microfinanzas/
Juárez Sepúlveda, E. (2012). Facts that condition the Right Handling of Microcredit for housing, Guatemala 2012. ISBN 9789929-40-399-4
http://www.industriaguate.com/isbn/buscador.php?mode=buscar&code=&tit_nombre=&col_nombre=edgar+ju%E1rez+sep%F
Alveda&tit_IDmateria=&t_idiomas=&tit_date_apar=&D_sigP=%3D
Juárez Sepúlveda, E. (2008). “Financial Evaluation of the Constructive Technical Assistance Service Implementation As part
of a Credit Program”. San Carlos de Guatemala University
Juárez Sepúlveda, E. (2007). “Prefeasibility Study of the Implementation and Institutionalization of a Constructive Technical
Assistance Service as Part of a Credit Program for housing in a financial institution –IMF’s- in Guatemala”. San Carlos de
Guatemala University
Expositions in Presentation, Awards, Forums and Seminars
Presentation: Latin American Convention of quantitative methods and risk management. “Success case: Implementation of
an Integrated System of Risk Management in a Microfinance Institutions”. Thursday 17, September 2015. Cartagena de
Indias, Colombia.
Presentation: Latin American Convention of quantitative methods and risk management. “Creation of index client/risk for
housing microcredit through the application of the main components analysis”. Friday 18, September 2015. Cartagena de
Indias, Colombia.
Speaker: Seminar “The prevention and impact about the over-indebtedness in IMFs Latin America and the Caribbean”,
Organized by Locfund and support of FOMIN. Lima, Perú, August 2015.
Speaker: Latin American Convention of quantitative methods and risk management. “Creation of index client/risk for housing
microcredit through the application of the main components analysis”. Organized by Software-shop, Thursday 23, July 2015.
Via web San José costa Rica, México D.F. Bogotá, Quito, Lima, Caracas, Bolivia, Buenos Aires and Santiago.
Speaker: IX International Summit of Microfinance “MICROCRÉDIT WHAT IT HAS TO BE RESTARTED AND CHANGED”,
Organized by Fundación Alternativa. Manta, Ecuador, June 2015
Speaker: National Workshop “Analysis and interpretation of finance performance indicators for microfinance companies”,
Organized by REDCAMIF, REDIMIF, Appui au développement autonome (ADA) de Luxemburgo, BRS, Microfact, ICCO,
Guatemala April 2015
Jury: “Citi Award for the Microenterprise2014”, Guatemalan Edition, Organized by Microfinance Institutions Red of Guatemala
–REDIMIF- and Fundación CITI Entity, Guatemala August 2014
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Presentation: “Social Housing Market Analysis in Guatemala”, Organized by Program “Expanding the Inclusive Finance in
Central America and Dominican Republic”, REDCAMIF, REDIMIF and ADA. Guatemala August 2014
Speaker: International Workshop “Analysis of finance performance indicators for microfinance companies”, Organized by
EDCAMIF, Appui au développement autonome (ADA) of Luxemburgo, BRS, Microfact, ICCO, Guatemala February 2014
Jury: “Citi Award for the Microenterprise 2013”, Guatemalan Edition, Organized by Microfinance Institutions Red of
Guatemala –REDIMIF- and Fundación CITI Entity, Guatemala May 2013
Speaker: International Workshop “Risk Management Tools for Microfinance Institutions”, Organized by REDCAMIF, Appui au
développement autonome (ADA) of Luxemburgo, Guatemala September 2013
Jury: “City Award for the Microenterprise 2012”, Guatemalan Edition, Organized by Microfinance Institutions Red of
Guatemala –REDIMIF- and Fundación CITI Entity, Guatemala November 2012
Speaker: “Formulation of projects with a perspective to technical and financial cooperation entities of national and Central
American level for the Mipymes”, Organized by Sustainable Financial Development Program –DESCA-/Cooperación
Alemana –GTZ-, Guatemala February 2010
Presentation: “Incorporation of Technical Assistance in Credit Programs for housing”, Organized by Agencia Sueca de
Cooperación Internacional para el Desarrollo –ASDI- and Fundación Salvadoreña de Apoyo Integral, El Salvador November
2008
Forum: “Microfinances inside the credit products for housing” Organized by World Urban Forum-UN-Habitat, Vancouver,
Canadá April 2006
Languages
Spanish
Native, fluid
English
Knowledge for working, technical average level
Work References
Mr. Augusto Cordón, Country Manager, Oikocredit Guatemala, Telephones: 2261-6901 y 2261-6902,
[email protected]
Mr. Santiago Alfredo Urbizo Guzmán, Superintendence of Tax Administration, SAT, Advisor of Cooperation and International
Relations. Telephones 2329-7070, 54054546, [email protected]
Mr. Daniel Ruiz Arrivillaga, Executive Director, Microfinance Institutions Red of Guatemala –REDIMIF-, Telephones
23321920 and 53561936, [email protected]
Personal References
Ms. Teresa Nowell, Fideicomiso para el Desarrollo Local en Guatemala -FDLG-, Telephone 52032185, [email protected]
Mr. Jose Alberto Ramírez Crespín, Superintendence of Banks, Telephones 57325064, [email protected] and
[email protected]
Mr. Mario López Rodríguez, Rainforest Alliance, Telephone 55115572, [email protected]
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