Hayder Al-Bagdadi

Hayder Al-Bagdadi is the head of the two GIZ programmes “Promotion of the Microfinance Sector in the MENA Region (MFMR)” and “Promotion of Access to Financial Services for SMEs in Egypt (PAFSME)”. Prior to his current position, Hayder worked for the Alliance for Financial Inclusion (AFI) as a Policy Manager in the areas of digital financial services and SME finance. He also managed AFI’s policy grant portfolio for the Pacific, Asia, and Eastern Europe.

Before AFI, Hayder spent eight years at GIZ working on financial system and private sector development issues. At GIZ Headquarters’ in Germany, he was an Advisor in the Financial System Development (FSD) Unit of the Economic Development and Employment Department responsible for GIZ’s FSD programmes in Asia. Prior to this, Hayder served as a Project Manager in private sector development programmes in Indonesia, Bosnia and Herzegovina. His career began focusing on microfinance at GIZ Headquarters’ in Germany”


Thomas Rahn

Thomas Rahn joined the GIZ Programme for the Promotion of the Microfinance Sector in the MENA Region in May 2012 after having completed 3 years at the GIZ headquarters in Eschborn in the teams of migration and financial systems development. He is based in Ramallah since 2017 after almost 5 years in Jordan and advises the Palestine Monetary Authority on inclusive financial sector conditions.

Between 2012 and 2016, Thomas coordinated the programme’s activities in Jordan and the Palestinian Territories, and since 2015 managed the joint EU and German programme component towards the Jordanian government, Central Bank of Jordan, and the Development and Employment Fund on the implementation of the national microfinance sector reform.

Thomas is a graduate of European Studies at Osnabrueck University, focused on European development and Mediterranean policy and is an expert of the Middle East region. Before joining the GIZ team, he worked in the cooperative banking sector in Germany.

Bilal Yan Hagen

Bilal Yan Hagen joined MFMR in November 2016 as the team coordinator of the project in Jordan, where he is responsible for steering the activities supported by the EU. Prior to his current position, he worked at the GIZ in Laos as an advisor and team coordinator at the programme Access to Finance for the Poor, advising regional network organisations supporting the development of village banks and being responsible for capacity and concept development.

Since 2005 he has been working in the field of international development, microfinance and financial system development in West Africa and Southeast Asia, gaining experiences at the development of apex organizations and at the foundation of member based MFIs ,such as savings and credit cooperatives and village Banks.

In addition to his work experiences in the International Development Cooperation, he worked in the German private sector acquiring experience in project management, investment and purchasing.

Mr. Hagen is a graduate of the University of Bonn and holds a Master of Science in Economics.

Maha Ezz

Working as a Senior Administrative Professional for MFMR and another GIZ regional programme (ACCWaM) based in Cairo, Maha is responsible for financial and office management and can draw on many years of working experience at GIZ, having joined the organisation in 1985. She received her secondary education at Deutsche Evangelische Oberschule (DEO) in Cairo, went on to study philosophy and psychology at the University of Alexandria and also gained an IATA international consultant diploma.

Khaled Karam

Works as a Junior Accounting Professional for MFMR and another GIZ regional programme (ACCWaM) based in Cairo. Khaled holds a B.A. in Accounting and Auditing from Cairo University. He has been working for GIZ since 2009 and joined the MFMR team in October 2011.

Atilla Kaiser-Yücel

Is an advisor to the Central Bank of Jordan for financial inclusion and microfinance matters and for the programme’s strategic communications. He has gained experience in financial sector development as an advisor and researcher for (Islamic) MSME finance and cross-border bank supervision issues. Atilla holds a M.Sc. degree in finance comprising bank regulation, corporate finance and behavioral finance, and completed the 2015 Boulder Microfinance Programme.

Ala’a Al Hyari

Joined the MFMR Programme in November 2015 as administration assistant. Ala’a holds a B.A in water resources and environmental management from Al Balqa Applied University and MBA /E-business from Mutah / Ohio University. She worked previously in a private company where she has gained an experience in administration & procurement.

Bashar Alzubi

Dr. Bashar Alzubi obtained his Doctor of Philosophy (PhD) in Financial Economics from the University of Birmingham, UK, having previously finished his Master of Science (MSc) in Finance from Queen’s University Belfast, UK. He also obtained a higher degree in Public Financial Management Program from Duke University, USA.

Prior to his current position at the GIZ, he was the Director of the USAID funded program – Jordan Skills Standardization Organization (JSSO), External Consultant at the AGFUND in supporting several microfinance activities in the MENA region, Senior Expert to the Chairman of the Jordan Investment Commission. He also worked as a Project Advisor at the MENA – OECD in Paris, and coordinated the Italian Credit Line project with the UNIDO-Jordan. He was the Head of the national economy division at the MoPIC – Jordan. In addition to his work experience on a Corporate Governance project in the Alternative Investment Market (AIM), London. His research has been accepted in leading academic journal and international conferences including the European Financial Management Association (EFMA) conference (Europe’s Best in Finance).