Sanjay Sinha is Managing Director of M-CRIL, a company that undertakes financial and social ratings of microfinance institutions and provides research and other services designed to facilitate microfinance. He has knowledge and experience of over two dozen countries and over 35 years of economic and development research experience. He has specialized in the analysis of value chains of relevance to the livelihoods of low income families and micro-enterprise promotion in addition to microfinance. Sanjay has an M.Phil in Economics from Oxford University, UK. He was a UN Advisor on Inclusive Financial Sectors during the Advisor Group's tenure, 2006-2008.