iqbal m... · web viewbanking experience banking related position: managing director/founder...

IQBAL M KHANPresident

FOUNDER: President/Chairman SURE InstituteSURE Education TrustSURE Entrepreneurship Education VillageSchumpeterian Entrepreneurship SocietyPakistan Association of Small EnterprisesProgressive Bank for Small Enterprises

SENIOR CONSULTANT: World Bank Consultant 1991: Washington USAUNICEF Consultant, Advocacy & Training for Hygiene Education 2001 to 2002EU-HTSPE Survey of BDSP for Capacity Building BDS Expert for Small Enterprise 2006US AID Project Empower Pakistan – Entrepreneurship Survey KarachiWTO ConsultantInternational Youth Foundation IYF/ US AIDAsian Productivity Organization APO Japan: (2000-2002) National Expert on SMEsAssociation of Development Finance Institution in Member Countries of IDB - Deputy Secretary GeneralSMEDA – one of Top 3 consultants who setup SMEDA, Government of Pakistan.

ACADEMIC TEACHING EXPERIENCE:

Senior Fellow Entrepreneurship, Lahore School of Economics since 2007 to date.As Director Case Development Unit: launched as Editor a Journal. Lahore School Journal of Case Studies.Launched a virtual business project for Entrepreneurship.Taught Marketing, Advertising, Banking, Research Methodology, Business Communication and Case Study Writing besides Entrepreneurship. Visiting faculty, Punjab UniversityVisiting Professor: ILM/University of Management & Technology (UMT)Visiting Professor: Kinnaird College for WomenVisiting Professor: University of LahoreVisiting Professor: Imperial College of Business StudiesVisiting Professor: Pak-AIMSVisiting Faculty: Al-Hajvery College of Business AdministrationUniversity of Allama Taba Tabai: TehranThai Chamber of Commerce University: Bangkok

OBJECTIVE: Versatile, accomplished Entrepreneurship & Small Enterprise Executive / Business Consultant with MPhil in Entrepreneurship Education and diverse experiences. Seeking opportunity to leverage skills in Education Management and Business Development. Recognized as a positive, productive peak performer who knows ground reality of Entrepreneurship environments and achieves key business goals in education, business incubation, and establishing Entrepreneurship Development Institute.

PROFILE: 1. A PROFESSIONAL BIOGRAPHY:A proven ability to drive superior business performance with innovation process improvements, tools and programs. Identifies business opportunities and creates new models that generate better utilized resources, and improve satisfaction. Use collaborative leadership style to build consensus for organization change. Dynamic entrepreneur who utilizes creativity, leadership and teamwork to design and execute solutions that creates new values.

Has proven track record with responsibility for recruiting, training, and supervising in important organization as SMEDA.

Over thirty five years of experience in the field of international trade and Entrepreneurship Education, Entrepreneurship Development, Entrepreneurship Policy, Social Entrepreneurship and Small Enterprise (SE), Small Enterprises Support Systems, Financing of Small Enterprises. Seasoned outsourcing/off shoring professional with experience analyzing transacting, implementing, managing, optimizing, and overseeing all aspects of O/O lifecycle.

QUALIFICATIONS: PhD Candidate in Education with Specialization in Entrepreneurship(Thesis to be submitted) (UMT)M Phil: Education with Specialization in EntrepreneurshipMA ELM from University of Management & Technology (UMT) Lahore (Educational Leadership) Specialization in Entrepreneurship. Graduation from Government College, Lahore with Economics and Political Sciences

PROFESSIONAL JOUREY:

1. PROFESSIONAL EXPERIENCE:

Areas of Specialization: Research and Consultancy in Entrepreneurship

Training and Development and Teaching.Developing Banking Products of Small EnterprisesWriting books, articles, research papers and case studies on

Entrepreneurship.

SURE ENTREPRENEURSHIP DEVELOPMENT INSTITUTE

J-63 DHA PHASE 1 LAHORE 54792 PAKISTANPH + 92 42 3572 7219 FAX + 92 42 3589 0264 Cell + 922 321 404 6625 Email: [email protected] 2

mailto:[email protected]

Entrepreneurship Education, Entrepreneurship Development, Entrepreneurship Policy, Social Entrepreneurship and Small Enterprise (SE), Small Enterprises Support Systems, Financing of Small Enterprises. Administrative ability to manage multidisciplinary organization/Institute.

2. EXPERTISE AND EXPERIENCE IN ENTREPRENEURSHIP:As Entrepreneurship Specialist have conducted research, consultancy, and training for small enterprises. Have assisted in venture creation, developing capacity of entrepreneurs, written and published books and research papers. Continuing research for minority entrepreneurs, indigenous entrepreneurs, and social entrepreneurs.As Entrepreneurship Education Specialist and academic have written research papers and designed training programs for educating Entrepreneurs of all ages and all experiences. Area of expertise lies in entrepreneurship Education, Social Entrepreneurship, Minority Entrepreneurship, Indigenous Entrepreneurship, Entrepreneurship policy and Women Entrepreneurship and Training Entrepreneurship to Vocationally Trained personnel’s to setup small and micro enterprises.

As Small Enterprise Specialist set up the Small and Medium Enterprise Development Authority (SMEDA) for Government of Pakistan. Have conducted research, consultancy and training for small enterprises, donor agencies, Government of Pakistan

As SME Banking Specialist have been the president of a small enterprise bank, have designed banking products for banks for the betterment and development of Small Enterprises and Microenterprises. Have conducted consultancy and training for small enterprise bankers.

3. TEACHING EXPERIENCE:Senior Fellow Entrepreneurship, Director Case Development Unit, Lahore School of Economics since 2007 to-date with additional objective to promote entrepreneurship as a separate discipline of study and develop local case study to teach from the experience of local entrepreneurs and also to record the contribution of entrepreneurs who evolved the corporate environment of Pakistan and develop local literature for teaching. Providing exposure to Students: Organized a study tour of Turkey by leading a delegation of 25 researcher associates to conduct a study of Entrepreneurship Eco-System of Turkey in Feb. 2013. Study Tour was called the Academic Ambassadors Tour covering 4 universities, KOSGEB, TUSCON, ISMEK, Halk Bank, ADFIMI and association of Businessmen and 4 schools.Led a delegation of research associates to International Conference on Entrepreneurship to Sweden June 2011 (ICSB Conference 2011)Led a delegation of research associates to Northern Cyprus, Feb 2011 to an International Entrepreneurship Conference of ECSBAs Director Case Development Unit launched as editor a Journal.




Lahore School Journal of Case Studies.Launched a Virtual Business Project for Entrepreneurship classes in LSE on-Campus Business Activity. Taught Marketing, Advertising, Banking, Research Methodology, Business Communication and Case Study Writing. Visiting faculty, Punjab University: International Marketing.Visiting Professor: ILM/University of Management & Technology (UMT): Entrepreneurship & SMEs Management; Global Dynamics.Visiting Professor: Kinnaird College for Women: Research Methodology; Business CommunicationVisiting Professor: University of Lahore: Entrepreneurship Visiting Professor: Imperial College of Business Studies: International Marketing; Entrepreneurship; & Advertising Management.Visiting Professor: Lahore School of Economics: Marketing; Banking; SMEs & Entrepreneurship and involved with initial curriculum development (1998-1999)Visiting Professor: Pak-AIMS: Entrepreneurship & SME ManagementVisiting Faculty: Al-Hajvery College of Business Administration: ManagementUniversity of Allama Taba Tabai: Tehran: Export marketing courses on Special invitation.Thai Chamber of Commerce University: Bangkok, Thailand. SME and Entrepreneurship on Special invitation

BANKING Experience 4. Banking Related Position:Managing Director/Founder President’ 1971-76 Progressive Co-operative Bank Ltd.' Championed the cause of entrepreneurship and small enterprises and micro-entrepreneur and Venture Creation in the face of nationalization. In 1971 engineered a strategy to open branches, mobilizing deposits by moving closer to the customers by opening “pay offices”. No products existed oriented towards collateral free financing. Some of its products are listed below:

1. The bank placed special emphasis on staff training and established a “Staff Training Institute” within the bank.

2. “Mutual Investment Account” whereby matching amount was invested with entrepreneurs in micro/small firms for venture creation and venture financing.

3. It was the first bank in Pakistan to introduce a “Women’s branch” in 1975. These bankers were trained at the Staff Training Institute and it empowered women to be banker and also empowered women to do banking with banks. Until this moment women as depositors or customers were not seriously targeted. It started a new trend of banking and inhibition in women to deal with banks was reduced. Women were happy to have their own private accounts without the influence of their men folks.

4. “Saving & Investment Advisory Services” was another successful services by this bank.




5. “Daily Balance Pass Book Saving Account” was introduced to promote the mobilization of deposits from small entrepreneurs.

Manager: United Bank' 1966-69 (Leading Commercial Bank 3-years) Opened new branches in interior Punjab & acted as Area Manager in Mianwali.Manager: Habib Bank' 1969-71 (Leading Commercial Bank in Pakistan 3-yrs) Banking Development activities in Lahore and Manager of branch on Mall Road, Commercial Building.Facilitator and Trainer: ADFIMI for Training and Capacity Building of bankers in the region of IDB. 1997- 2003.

PROFESSIONALSKILLS:

SKILLS SUMMARY:Presentation: Developed ability to produce reports and presentations to a professional standardOrganizational: Effective at time management and prioritizing tasks to achieve deadlines.Interpersonal/Communication: Strong team working, leadership and Communication skills. Innovative: Approach to tasks with ability to devise new solutions. Cognizant with all laws, regulations, and standard operating procedures related to the import & Export International and marketing. Excellent integrity, interpersonal and time management skills.Fine team player, organization, professional management, and diplomacy.Computer Skills: Basic, Lotus 1 2 3, Word Perfect,

CARRIER HIGHLIGHTS: 2013 As Conference Chair & Chairman Organizing Committee organized the 02nd International Conference on Entrepreneurship (ICE-13) 08 & 09th November 2013, Lahore. Executive Steering Committee Member of the Hall of Fame Pakistan (Current).Organized a study tour of research and survey of Entrepreneurship to Turkey which undertook a comprehensive survey on the “Entrepreneurship Eco-System.”Organized a 3 days International Conference on Schumpeterian Entrepreneurship and the Spread of Entrepreneurship at Lahore 08, 09 & 10th December 2012 as Conference Chair & Chairman Organizing Committee of ICE-2012Member of Think Tank of World Entrepreneurship Forum (WEF-2010) EM Lyon France, which is an international think tank for the promotion of Entrepreneurship.Led a delegation of research associates to International Conference on Entrepreneurship to Sweden June 2011 (ICSB Conference 2011) to present research papersLed a delegation of research associates to Northern Cyprus, Feb 2011 to an International Entrepreneurship Conference of ECSB to present papers.Founding President of International Council of Small Business (ICSB) Pakistan Chapter 2012.




Invited as Keynote Speaker to Abdul Gul University, Kayseri Turkey December 2011 at a Conference to introduce the University. Organized a 4 days Conference of JWEF-Pak at Lahore School of Economics July 2011USAID Project Empower Pakistan: (FIRMS) As consultant carried out survey of Karachi to determine Entrepreneurship projects and potential of new business (2009)Developed the concept and model of Entrepreneurship and Small Enterprise Hub: a model for developing entrepreneurship and small enterprises. (2000) (2009) The Entrepreneurship Eco-SystemEstablished the Case Study Journal at LSE, as its Editor. (2008)Establishing the Entrepreneurship Development Centre at the Lahore School of Economics. (2008)Deputy Secretary General of Association of Development Finance Institutions of Member Countries of Islamic Development Bank (ADFIMI), Turkey, a regional agency (2003-2005) for over two years: administered a territory of 20 countries of the OIC member countries, training of bankers, providing Technical Assistance to Banks, and writing policy advocacy papers for Islamic Development Bank, reorganizing ADFIMI’s mission statement and operational manuals and drafting it’s new byelaws/constitution.European Union (EC) consultant (2005-2006) implementing a project to survey, identify and train Business Development Service Providers in Pakistan and creating a forum for the BDSPs.Asian Productivity Organization’s designated National Expert on SMEs for three years (2001, 2002, and 2003) and to conduct research on SMEs in Pakistan.UNICEF Consultant (2001) and implemented a project on Hygiene Education for Afghanistan.One of the three lead consultants who set up the Small and Medium Enterprises Development Authority (SMEDA) for the Government of Pakistan. (1999)World Bank working experience as Consultant (1991) in Washington DC. For Latin American and Caribbean countries.Managing Director of Chemical industry producing Activated Carbon based on appropriate technology.(1976-1988)President of a Small Enterprise Bank for 5 years developing policies and developing assets and liabilities products for financing small enterprises. (1971-1975)

SENIOR CONSULTANT: USAID PROJECT EMPOWER PAKISTAN: 2009USAID Project Empower Pakistan (2009) as consultant carried out survey of Karachi to discover potential of business and investment opportunity for economic development of Pakistan. This involved focus group at the Federation of Pakistan Chamber of Commerce & Industry, another at Karachi Chamber of Commerce & Industry and another at Korangi Industrial




Association (KATI) besides personal interviews with presidents of banks, presidents of investment companies, leasing companies, owners of Industrial projects. Report submitted to USAID.

PUNJAB EDUCATION FOUNDATION: APRIL 2007 TO OCTOBER2008:

The Punjab Education Foundation consultant for the training of the Principals and Headmasters, which was called “School Leaders Development Program”. It was expected to develop educational leadership among the principals and headmasters. Conducted training for the primary school teachers across Punjab. Three subjects were required to be taught: English, Math’s and Science. This program was called “Cluster Based Primary Teachers Training”. All these programs were designed and conducted within the period from April 2007 to October 2008.

Lahore Chamber of Commerce and Industry (LCCI): Consultant 2007:

Re-Engineering and Human Resource Development at the Lahore Chamber of Commerce and Industry (2007) reorganized the R and D department and the structure of LCCI: Prepared the new Vision and the Mission Statement of the Chamber for approval. Created the Operations Division and the R & D Division and prepared the SOP of all Departments: Implemented the TQM procedures and practices through extensive trainings of the entire staff affected.

EU-HTSPE Survey of BDSP for Capacity Building BDS Expert: 2005 to 2006

Project commissioned by the European Union; As SME Business Development Services (BDS) Expert training and Capacity Building of BDS Providers of selected consultants as BDSP: and developing a forum and a Directory of BDSP in Pakistan and Creating Support System for Small Enterprises in Pakistan. The overall objectives to enable availability of affordable, accessible and sustainable BDS/BSS for the SMEs in Pakistan

International Youth Foundation IYF/USAID: Consultancy – 2006

A Provincial Survey of Punjab Vocational Training Council (PVTC) on behalf of International Youth Foundation (IYF) funded by USAID. A study to determine the success factor behind the creation of 139 Vocational Training Institutes of the PVTC run on the utilization of Zakat fund for the purpose of education of the deserving (Mustakheen-e-Zakat) and developing prospect of Entrepreneurship.

Association of Development Bankers in IDB/OIC Region (ADFIMI) Deputy Secretary General of ADFIMI (Istanbul-Turkey): 2003-2005

Association of Development Finance Institutions of Member




Countries of Islamic Development Bank (ADFIMI), Turkey, a regional agency: administered a territory of 20 countries of the OIC member countries, training of bankers, providing Technical Assistance to Banks, and writing policy advocacy papers for Islamic Development Bank, reorganizing ADFIMI’s mission statement and operational manuals and drafting it’s new byelaws/constitution.Managing international affairs, international linkages, relationship with Islamic Development Bank; Organizing Conferences, Training programs and General Assembly of ADFIMI, the amendment of ADFIMI’s Constitution, Administrative, Financial Regulations, and Operations Manual: Restructured ADFIMI introducing a VISION and MISSION Statement and structuring the Objectives in accordance to the need of members and changing environment. Initiated, designed and negotiated arrangement to introduce a Bankers Qualification and Credentialing Program by entering into a MOU with the Eastern Mediterranean University: Launched a cyber-market space regional bloc to increase Trade and Investment among ADFIMI partner Banks called the ADFIMI Hub.Special Advisor ADFIMI (2000-2004) Small Enterprises, Banking, Research, and Policy papers on SMEs for IDB.

Crescent Standard Investment Bank Limited (CSIBL) Lahore Pakistan Advisor & Head of Training Department: 2005-2006

Crescent Standard Investment Bank Limited (CSIBL), Lahore: Developed concept and strategy to set-up the Banking and Entrepreneurship Development Institute (BEDI), a state of the art educational institution for bankers and the small enterprises a model of SME Department for a Commercial Bank.

UNICEF’ Consultant: Advocacy & Training for Hygiene Education 2001 to 2002

Research, Consultancy, Social Mobilization, Advocacy & Training for Hygiene Education in Afghanistan. It entailed Hygiene Education assignment survey and analytical reporting. The preparation of the survey required field survey by a number of teams inside Afghanistan to determine the target audience who could be trained to further train women, teachers, Imams & Khatib and eventually mothers and children, Hygiene Education. Eventually it was to take shape of a manual and the Development of Hygiene Education and Training Material for Afghanistan.

Asian Productivity Organization (APO) Japan, (2000-2002) National Expert on SMEs

Designated as National Expert on SMEs for three years (2000, 2001, 2002,) by Asian Productivity Organization, (APO) Japan. “Sustainability of Productivity and Competitiveness”, “Role and Adaptation of Small and Medium Enterprises in the Changing Industrial Structure”, “Asian-Pacific




Productivity Data and Analysis”, ”SMEs in Competitive Markets; A case of Pakistan”, “Measuring Total Factor Productivity”.

Small & Medium Enterprises Development Authority (SMEDA) of Pakistan: 1999

Was one of the top 3 lead consultants to setup Small & Medium Enterprises Development Authority (SMEDA) of Pakistan? Put the organization structure in place, identified the potential sectors for development, initial Team Building and Staffing, and established International linkages with donor agencies and embassies in Pakistan. Organized meeting with all European Diplomats including UNIDO in Islamabad who were potential donors for small enterprise development. An outcome of this was the UNIDO support for cluster mapping to SMEDA and agreement with World Gold Council for development of jewelry manufacture and export: Established SMEDA’s links and membership with International Trade Center (ITC) Geneva; World Association of Small and Medium Enterprises (WASME) Delhi; CBI Netherlands; EIM (Small Enterprise Research Agency) Netherlands; and Austrian Small Business Research. (1999)

World Bank Consultant 1991: Washington USAAppraising Technical Assistance Loans to Latin America and Caribbean; namely Bolivia, Argentina, Chile, Venezuela, Guyana, Trinidad & Tobago.

WTO ConsultantWTO Consultant for Capacity Building, Training and Counseling Registered with ITC Geneva, Ministry of Agriculture Punjab, SMEDA, for Capacity Building, Training and Counseling on WTO issues affecting various economics sectors, banking sector and SME sectors.

Middle East Consultancy:1984Consultant REDCO Enterprises, Doha Qatar. – Developing their marketing department, marketing network and Business Development Services, Training of Staff & Organization Development.

TRAINING EXPERIENCE:

Has conducted over 400 training programs within and outside Pakistan for multinational organizations and national organizations and government agencies and embassies in Pakistan. PITAC/NPO/APO

Training Consultant PITAC/NPO on SMEs, Productivity, Competitiveness and Training.Training programs designed and conducted for 3 years for Pakistan Institute of management all over Pakistan.Conducted Seminars in Egypt, Tunisia, Turkey, Bangladesh, Russia, Northern Cyprus of Senior Bankers and Academics, Researcher, Islamic Bankers, including Dean and Professors. Under numerous titles such as, Negotiation, Leadership




Emotional Intelligence, Creative Decision Making, Export Marketing, “A Comparison of Analytical Tools used in SME Finance and Microfinance Financial Analysis”. February 2012 and Islamic Modes Financing in Moscow 2002.“Team Building and Trust Benefits” workshop for PVTC. February 2012Association of Development Finance Institution of Member Countries of IDB (ADFIMI) Designed & conducted seminars on Banking, SMEs, Personal Development, Negotiation Skills, Emotional Intelligence, Crisis Management, International Marketing, Basel II issues. Training of Trainers in Development Banking, Trade & Investment among ADFIMI members, Marketing Analysis, Marketing Techniques, Customer Services and Small Enterprise Lending, Islamic Banking Practices.UNITAR Hiroshima. United Nations Institute for Training and Research: Trainer and Consultant for the Fellowship Program Afghanistan: for capacity building, social mobilizing in the post-conflict reconstruction in Afghanistan.Asian Productivity Organization (APO) Japan on Behalf of PITAC and SURE, skill development & management training courses: Training of Trainers, NPO Core Competency, Consultancy Training, and Export MarketingPakistan Institute of Management (Visiting Faculty and Course Designer) Designed & conducted specialized course namely “Planning and Organizing for Export Marketing”; “Development Course for Supervisors”; “Letter Writing, Report Writing and Presentation”.

BOOKSPUBLICATION:

Books AuthoredLeading Social Entrepreneurs of Pakistan: The Unsung Heroes” 2011“Unlocking the Potential of Small Enterprises” 2004“Kazakhstan Business Guide” 1994

Articles in Journals &Newspapers Productivity, Technology, HRD & Vision 2010 (Nation 24-8-98)Small Enterprise Development Bank, (Nation –4-2000)A profile of Pakistan's Factors of Competitiveness (Nation 10-8-98)Need To Promote Trade with ECO States (Nation 2-8-98)Does Policy Matter (Nation 29-6-98)Trade & Economic Diplomacy (Nation 1-6-98)Foundation for Mobilizing Savings-Savings & Loans Bank (May, 1998)Influencing the Trade Winds (The News; 7-9-97)A Taxpaying Society (Nation;18-8-97)The Export Import Bank for Pakistan VITAL, (Nation; 30-6-97)Is Trade Policy Necessary 1997




Cooperative Banking New Horizon (Pak-Times 22-12-97)A Small Enterprises Development Bank of Punjab, (Nation), 1997Contemporary Central Asia-Special reference Kazakhstan (Published by Hans Siedel Foundation), 1995Exploring the Central Asian Connection (The News 28-10-94) 1994Kazakhstan The Financial Centre of Central Asia (The News), 1994Trade Promotion Education Vital To Export Led Economy (News 8-7-94)Change of Guard (Nation 6-2-93)Principles of Export Marketing (Nation) 1993A task of Great Magnitude-On line System (Nation), 1992CBI Netherlands can chalk out a future plan for Pakistan (Nation 22-3-90), 1989The Case to Convert PSIC into Punjab Small Industries Development Bank (Frontier Post) 14-12-89The Will to Survive - case study of a Chemical Industry (Muslim 17-4-84)Merchant Banking, 1983An unjust taxation system- Nawa-e-Waqt (3-2-79)Cooperative Banking (22-5-1976 Sun)

CONFERENCE: Conference & Research Papers: Presented paper at International Conference by ILO at Lahore March 1999 on `Role of SME in Promoting Self Employment-International Model’’.Presented paper at International Conference on Small & Medium Enterprises by WASME. Bombay, February 1999. `Conventional & Creative Financing – Partnership Financing’Regional Conference on "Technology Transfer and Promotion of Appropriate Technology" (4 - 8 Dec 1989 Lahore Pakistan) organized by UN-ESCAP & APCTT & National Centre for Technology Transfer PakistanAsian Conference on Micro-enterprise and the Informal Sector (Dec 11 & 12, 1989 Lahore Pakistan) organized by USAID and Centre for International Private Enterprise (CIPE) & Federation of Chambers of Commerce Pakistan.Presented paper “Women Entrepreneurship and the Women Chamber of Commerce and Industry: Economic Emancipation and Clout for Pakistani Women” at ESU 7th Conference 2010 on Entrepreneurship, Estonia. “Entrepreneurial Intentions among Indigenous Kalash People” 2011. Paper presented at International Council of Small Business (ICSB 2011) Sweden.“Identifying and Developing Vocational Skills for Adopting Indigenous Entrepreneurship Ventures by the Kalash Community”2011. Paper presented at International Council of Small Business (ICSB 2011) Sweden.“Kalash Indigenous Entrepreneurship and the Question of Sustainable Economic Development” 2011. Paper presented at




International Council of Small Business (ICSB 2011) Sweden.“Entrepreneurship Education: Emerging Trends and Issues in Developing Countries” 2011. Attended Doctoral Seminar in International Council of Small Business (ICSB 2011) Sweden.“Entrepreneurship and SME Policy: Economic and Social Development Imperatives for Punjab Pakistan” 2011. Paper presented at 2nd International Conference on Small Business & Entrepreneurship, European Council Small Business; Northern Cyprus. “Entrepreneurship Education and Vocational Training: Evidence from Punjab Vocational Training Council (PVTC) in Pakistan” 2011. Paper presented at 2nd International Conference on Small Business & Entrepreneurship, European Council Small Business; Northern Cyprus“Entrepreneurship Education: Emerging Trends and Issues in Developing Countries” 2011. Paper presented at the International Higher Education Congress - 27-29 May 2011, Istanbul-Turkey. Volume 2, Chapter VIII, Page # 742-750 &ISBN P # 978-975-7912-43-9 of their publication.Tsinghua University presented paper “Entrepreneurship Policy as the Architectural Design of the Space and SME as a Subset of the Policy”, June 2010 at Beijing China. It was subsequently published as proceedings of 2010 AIE World Entrepreneurship “Proceeding of Academy of Innovation and Entrepreneurship 2010” bearing ISBN # 978-7-5084-7589-9 of their publication.“Shifting the Centre of Gravity from SME Policy to Entrepreneurship Policy”2009. Presented paper the International Council of Small Business, USA, (Who also publish a Journal Namely Journal of Small Business Management) George Washington University School of Business. In Korea in June 2009, which was consequently published in the proceeding on CD-ROM ISBN # 97888961790956 and the abstract was published in Abstract Book bearing ISBN # 896-179-094-3“Entrepreneurship & Vocational Training: PVTC”Lahore School Case Study Journal, Vol. 1, No.1, Jan-June 2008. Published by Lahore School of Economics, Lahore.“Small Enterprise Development in Jordan” Lahore School Case Study Journal, Vol. 1, No.1, Jan-June 2008. Published by Lahore School of Economics, Lahore.“Globalizing the Trade Policy” published in SSRN: http://ssrn.com/abstract=1368832“Small Enterprise Economic and Social Development Policy Paper: Recommendation for Punjab Government” published in SSRN: http://ssrn.com/abstract=1348603“Shifting the Centre of Gravity from SME Policy to Entrepreneurship Policy” published in SSRN: http://ssrn.com/abstract=1355064“Benefits & Academic Importance of Entrepreneurship Education” My paper was selected and I was invited to present



http://ssrn.com/abstract=1368832




my paper at International Conference on Developing & Promoting Entrepreneurship for Poverty Alleviation in September 2007, Published by National Institute of Science & Technical Education (NISTE), Ministry of Education, Government of Pakistan, Islamabad. ISBN: 978-969-9196-00-3“SMEs in Competitive Markets” Report of the APO Survey on Role and Adaptation of SMEs under the Changing Industrial Structure, Published by Asian Productivity Organization (APO) Tokyo, July-2002. ISBN: 92-833-2327-0“Measuring Total Factor Productivity (TFP)”Report of the APO Survey on Total Factor Productivity (SUV-06-98), Published by Asian Productivity Organization (APO) Tokyo, 2001. ISBN: 92-833-2284-3“The Concept & Model of Small Enterprises Hub for Developing Countries” Published by The Lahore Journal of Economics by Lahore School of Economics, Vol.5 No. 2, July-Dec. 2000“Regulatory Environment for Integration of NDFIs in the Member Countries of IDB” Report of the Experts Group on Bank Integration Convened by ADFIMI and IDB in Istanbul from May 14-16, 2000. “Total Trade Policy Management and Competitive Advantage” Implementing TQM (Approaches, Methodologies, Tools & Case Studies). Published by Pakistan’s Sixth International Convention on Quality Improvement, November 14-15, 2000. Lahore: Pakistan Institute of Quality Control. SMEs & Micro-Enterprises in the Environment of Privatization an Analysis of Situation, Needs & Modalities of Intervention” Report of the Group on SMEs & Micro-Enterprises conveyed by ADFIMI and IDB in Istanbul from August 20 to 22nd , 1999: “Trade and Investment Possibilities between Member Banks of ADFIMI culminating into ADFIMI Hub”. Northern Cyprus 2004“Financial Services Rendered by Financial Institutions & Development Banks to SE”. Presented at Algeria to Islamic Bank & ADFIMI members 2001.`Internationalization of Financial Services’ presented at Beirut, to Islamic Development Bank & ADFIMI members, November 2000.Paper on “Why Developing Countries must have Small Enterprises Development Bank”. (1999) For the 25THAnnual Meeting of IDB, Jeddah. SA.“Developing Pakistan's Competitive Advantage” for PITAC Ministry of Industries, Government of Pakistan (1998). As part of Competitiveness Dialogue & Trade Policy.“Role & Adaptation of Small & Medium Enterprises (SMEs) in the Changing Industrial Structure”. 2000 APO Japan, International Publication“In Search of New Concept of Support Systems for Small Enterprise Development” ADFIMI & Islamic Development Bank Publication 2001.




CASE STUDY: Punjab Vocational Training Council. Education and Employment Alliance 2007. “WCCI: Women’s Struggle for Economic Emancipation” “Entrepreneurship and Vocational Training: PVTC”

TRADE & EXPORT RELATED PROJECTS:As consultant to Lahore Chamber of Commerce supervised and advised the preparation of Country Trade Profile of 57 member countries of OIC identifying “Early Harvest Items” as common denominators of bilateral trade to sign up FTA with member Muslim Countries. (2007)Member CM Task Force on Trade and Industry advocating the need to implement policy for Domestic Commerce in Punjab. (2007)Designated 'Commercial Counselor Japan': Trade Promotion & Development by Government of Pakistan. Designated 'Commercial Counselor Kazakhstan': for Trade Promotion & Development by Government of Pakistan. Consultancy: specialization for Central Asian Republic, ECO countries & Export Promotion Activities in the region.Deputy Leader of Trade Delegation of LCCI to India (1981)Deputy Leader of Trade Delegation of LCCI to Kazakhstan & Uzbekistan in (1995)

BANKING EXPERIENCE & POSITION:

BANKING EXPERIENCE & RELATED POSITION:Managing Director/Founder President’ 1971-76Progressive Co-operative Bank Ltd.' championed the cause of entrepreneurship and small enterprises and micro-entrepreneur and Venture Creation in the face of nationalization. In 1971 engineered a strategy to open branches, mobilizing deposits by moving closer to the customers by opening “pay offices”. No products existed oriented towards collateral free financing. Some of its products are listed below:

The bank placed special emphasis on staff training and established a “Staff Training Institute” within the bank.“Mutual Investment Account” whereby matching amount was invested with entrepreneurs in micro/small firms for venture creation and venture financing.It was the first bank in Pakistan to introduce a “Women’s branch” in 1975. These bankers were trained at the Staff Training Institute and it empowered women to be banker and also empowered women to do banking with banks. Until this moment women as depositors or customers were not seriously targeted. It started a new trend of banking and inhibition in women to deal with banks was reduced. Women were happy to have their own private accounts without the influence of their men folks. “Saving & Investment Advisory Services” was another successful services by this bank.“Daily Balance Pass Book Saving Account” was introduced




to promote the mobilization of deposits from small entrepreneurs.

Manager: United Bank' 1966-69 (Leading Commercial Bank 3-years) Opened new branches in interior Punjab & acted as Area Manager in Mianwali.Manager: Habib Bank' 1969-71 (Leading Commercial Bank in Pakistan 3-yrs) Banking Development activities in Lahore and Manager of branch on Mall Road, Commercial Building.Facilitator and Trainer: ADFIMI for Training and Capacity Building of bankers in the region of IDB. 1997- 2003.

PROFESSIONAL TRADE FAIR PARTICIPATION:Trade Fair Participation- Intfair, CBI. Netherlands 1998Trainers in Development Banking and Training of Trainers ADFIMI/IDB, Turkey, 1998 Export Marketing and International Training Program (LUMS) Lahore, May 1995International Marketing (for Trade Promotion Officers and Commercial Counselor). CBI. Netherlands 1992Export Promotion -CBI. Dec. 1991 (Pakistan)Foundation Trainer of Trainers Workshop, AED. AID. Nov. 1990 Advanced Management Program, University of Pittsburgh, USA. Aug. 1990Agribusiness Management. LUMS. Mar. 1987 International Joint Venture workshop UN- ESCAP/AITT/NCTT. Sep. 1987International Business Negotiation UNCTAD/ITC. Geneva. Dec. 1985 Export Strategy Formulation, EPB/UNCTAD/ITC. 1985Legal Aspects of Foreign Trade UNCTAD/ITC/1984 GSP Export Practices EEC/EPB. 1984Advanced Management Program PIM Pakistan. Aug. 1975Advances Specialization in Banking UBL/Staff College. 1967General Banking UBL/Staff College. 1965

PROFESSIONAL AFFILIATIONS:

PROFESSIONAL MEMBERSHIP &AFFILIATIONS:International Council of Small Business (ICSB) USA. World Entrepreneurship Forum (WEF) France, Think Tank Member 2009 to dateLahore Chamber of Commerce & Industry (Exposed to Trade promotion and Commercial activity that directly affect the economy and nation. Associated with Bilateral Trade Agreements, Policy Proposals to Government, dealing with Foreign Trade Delegation Accompanied Trade Delegation to Kazakhstan, Uzbekistan, and India.Chairman Standing Committee on Reconstruction of Afghanistan of LCCI.Vice Chairman Standing Committee on SME Self-




Employment of FPCCIAntenna Network for CBI Netherlands in PakistanLAMB and LAMB Associates Virginia,, USA as associate in PakistanNTL Institute of Applied Behavior Sciences USA, Professional member.(ADFIMI) Association of DFI Islamic Development Bank Turkey as Special Advisor for Research & Training Asian Productivity Organization (APO) Japan for Research and Training & as National Expert on SMEsCIDA on the Panel of Consultant UNIDO Registered as Project PersonnelCommonwealth Secretariat Registered as SME ConsultantITC/UNCTAD Geneva On panel/roster of Consultants.Colombo Plan registered as Trainer and ConsultantGary Lim Consultancy Singapore Associating with them for Consultancy & TrainingEIM Small Enterprise Research Center of Netherlands Maintaining a long term informal relationship with themILO as Consultant for SMEs, Micro-enterprises and Training

THESIS EVALUATION: MPhil Thesis external examiner for GC University Lahore

LANGUAGES: English reading & Writing and Speaking. High level of fluency

HOBBY: Books Reading, Music, Traveling, Book Collection

REFERENCES: ON REQUEST




iqbal m... · web viewbanking experience banking related position: managing director/founder...

Documents