T.V.S Ravi Kumar is a Senior Manager in MicroSave’s Country Development Programme Indonesia. He is a microfinance and banking consultant with nine years of experience in microfinance and private sector development. He has undertaken consulting assignments with banks, MFIs, international development agencies in India, Indonesia, Sri Lanka and the Philippines. He has worked in the area of product development for microfinance, value chain finance and water & sanitation finance, assisted setting up of MFIs, and provided technical assistance for Institutional development of a wide variety of organisations like commercial banks, non-bank financial institutions and co-operatives.