Malcolm Harper is Emeritus Professor of Enterprise Development at Cranfield University in the UK. He is Editor-in-Chief of Small Enterprise Development, the int... » 

Malcolm Harper is Emeritus Professor of Enterprise Development at Cranfield University in the UK. He is Editor-in-Chief of Small Enterprise Development, the international journal of microfinance and business development, and author of numerous books and articles. Sukhwinder Singh Arora works with the financial sector team of the UK Department for International Development. He has been associated with promoting livelihoods for the poor for over 20 years. He has contributed to microfinance policy and programme development in India, Bangladesh, Kenya, and Zambia. «