Justus Njeru is a Manager in MicroSave’s Livelihoods and Value Chains Practice Groups and has over five years’ experience in livelihoods, financial inclusion and value chain development in Ethiopia, Ghana, Kenya Malawi and Tanzania. His work focuses on designing and delivering livelihood and financial inclusion solutions, value-chain analysis and rural finance. This work includes sub sector and institutional analysis, market research, strategy formulation, pilot test design and review, process diagnostics and re-engineering, and risk management.