Grace Retnowati is a Specialist and a financial services consultant with over 10 years of experience managing projects across sectors such as microfinance, housing microfinance, agri-insurance and water and sanitation. She is currently associated with MicroSave as Country Manager in Indonesia where she is managing a large technical assistance project, funded by Cordaid and Rabobank Foundation, aimed at building the institutional capacities of partner MFIs, banks and cooperatives to increase their outreach to underserved regions and population segments, develop products, and improve efficiencies.