Key Personnel


Dr. Mustafa K. Mujeri
Executive Director



Dr. Mustafa K. Mujeri joined InM as the Executive Director on January 01, 2016. Before joining InM he served as the Director General of BIDS since April 2009. He was the Chief Economist of the Bangladesh Bank (the country’s central bank). During his professional career, he also served as the Poverty Monitoring and Analysis Advisor of UNDP in Cambodia; Project Leader of the IDRC’s Programme of Micro Impact of Macroeconomic and Adjustment Policies (MIMAP) in Bangladesh; Director Research of the Centre on Integrated Rural Development for Asia and the Pacific (CIRDAP); Visiting Faculty at the Department of Economics, University of Queensland, Brisbane; National Expert in the Bangladesh Planning Commission; and Associate Professor of Economics, Rajshahi University.

Dr. Mujeri obtained Ph.D. in Economics from McMaster University in Canada in 1978 after his graduation from Rajshahi University in 1970. He has wide ranging experience in consultancy and research on development issues in different UN and other international organisations and other multi-lateral, bilateral, and private sector organisations including NGOs. He has wide travel and work experience in many countries of the world and attended workshops, seminars, and meetings on a wide range of development issues. He has published extensively in national and international journals. He has also served in various policy making and other committees at both national and international levels. His current areas of research interest include poverty and MDGs monitoring and analysis; macro policy analysis and strategic development issues; application of modeling and quantitative techniques in development policy; public policy analysis; sustainable rural and participatory development; social development; poverty reduction strategy formulation and policy/programme development; monitoring and evaluation of programmes/projects, and monetary policy analysis.



Dr. Md. Mosleh Uddin Sadeque
Director, Training Division 


Dr. Md .Mosleh Uddin Sadeque is currently working as Director, Training Division, at Institute for Inclusive Finance and Development (InM), Bangladesh, which has given him the privilege to closely work with the microfinance and development sector stakeholders not only in Bangladesh but also in Nepal, China, India, Thailand, Tanzania and Japan. Dr.Sadeque is one of the leading professionals in microfinance, WASH (water, sanitation and hygiene) and rural development. Over the last 35 years he has a proven track record in working with the government, Sida, SDC, CARE, Danida, DFID and World Bank projects. He has developed different operational guidelines and training modules in Microfinance, WASH for the development partners, and has extensive experiences on program management, strategy and policy development, training, community empowerment, action research, gender, water &sanitation, environment and participatory development process with the poor people at grass roots level. He has received wide range of professional trainings at home and abroad. Dr.Sadeque holds a Ph.D. in Environmental Economics and has authored several national and international publications.


Shabbir Ahmed Chowdhury 
Director, Education Division 


Mr Shabbir Ahmed Chowdhury joined InM as Advisor, Training Division in 2013. Later in 2015 he was appointed as Director Education Program. Before joining to InM he served BRAC for 36 years in different Programs and Positions. He started his carrier in BRAC from grass-root worker and reached to the position of Director. He was Director Training Program, Director Microfinance Program and Director BRAC International Program. During his splendid professional carrier he served as Consultant to the Family Bank (Bank Ul Ushra), Khartoum, Sudan to develop microfinance program for the Bank. He has consultancy experience with the UNICEF, East and South African Region held in Mauritius, Africa and developed Strategic Plan document for the UNICEF funded organizations. He conducted many workshops and developed strategic planning document and conducted training on microfinance, management and other subjects for many National and International Organizations in Bangladesh and abroad and developed Post-Graduate Diploma Curriculum in Leadership and Management jointly with School for International Training(SIT), USA,  Organization of Rural Association for Progress (ORAP), Bulawayo, Zimbabwe and BRAC. He was awarded Honorary Citizenship by the Municipality of General Trais, Cavite, Peoples Republic of Philippines. Steering Committee member of the Microfinance Network (MFN), Mexico  in 2006-2009, lifelong membership at Dhaka University Alumni Association. He is also one of the General Committee Members of Association of Land Reform and Development (ALRD), Bangladesh.

Mr. Chowdhury obtained Honours and Masters in Economics from the University of Dhaka and later M.A. in Development Studies (with specialization in Agriculture and Rural Development) from the Institute of Social Studies, The Hague, the Netherlands. He was awarded a certificate on Strategic Leadership for Microfinance from Harvard Business School, USA; certificate on Boulder Microfinance Training, Naropa University, USA organized by CGAP, World Bank and certificate on Micro Banking Internal Control Practices, in Jakarta, Indonesia organized by the Bank Rakyat Indonesia in March 2001.

Md. Abdul Hye Mridha
Senior Deputy Director, Training Division


Mr. Md. Abdul Hye Mridha joined InM as a Senior Deputy Director (Training and Administration) on August 03, 2008. Before joining InM, he served as the Chief, Capacity Building and Advocacy of CDF since April 2006. He was the Strategic Plan Specialist of DFID Project (Local Governmental Strengthening Project). During his INGO career, he served CARE Bangladesh as Trainer Officer under INCOME Project. He also served in US Aid Project as training expert. Before that he works with BRAC as a Senior Trainer in charge, under the Training Division.

Mr. Mridha earned his MBA from ASA University of Bangladesh in HRDM in 2010 and Master from Rajshahi University in 1986. He has expertise in conducting Training Needs Assessment (TNA), Module and Curriculum Development, Facilitation in different training courses in the area of microfinance operations and management, Risk management, management development, development communication, situational leadership, problem solving, conflict management, decision making process, women entrepreneurship development, business plan development, enterprise operations and management, TOT, participatory project planning, microfinance & delinquency management.

Mosmt. Ifrat Jahan
Deputy Director


Mosmt. Ifrat Jahan, Deputy Director and In-charge of Administration and HR Team of the Institute for Inclusive Finance and Development (InM)–a proactive management practitioner–has been keenly promoting institutionalisation and development of InM. In her career of more than ten years, Ms. Jahan has gained valuable knowledge and techniques of organisational change management and developed herself as a successful practitioner. She has completed many responsibilities in streamlining the administration, developing institutional capacity, and managing human resources and programmes.

She has, over the years, persistently pursued and promoted her ways of professional development in management, administration and governance studies. The major focus of her interest covers institutional management, HR management, governance and development, e-governance, public policy, management consultancy and related areas. Besides her capacity in institutional management, she has continuously pursued wide activities in learning new skills.

She has completed BBA and MBA from the Institute of Business Administration of Jahangirnagar University. She has also obtained Masters in Governance Studies (MGS) from the University of Dhaka. She is keenly interested in pursuing further studies in issues of personal and institutional management and development.    


Dr. Farhana Nargis 
Research Fellow, Research Division 


Dr. Nargis has earned her MS in Production Economics from Bangladesh Agricultural University and Ph. D in Agricultural Economics from Sunchon National University, South Korea. Right after completing her Ph. D, she joined InM in 2013 and since then she is actively involved in many research and consultancy works. During her stay at InM, she is working independently as well as with team members of various projects by analyzing data, training the enumerators, report and article writing and so on. Her principal areas of expertise are Efficiency, Production Economics, Agricultural Finance, Poverty, Microfinance and Rural Credit Market.  

She has been extensively publish numerous articles in reputed journals during her young career life. Furthermore, Farhana also conducted different seminar and training program. She has an excellent field survey experiences with farmers, rural households and rural microenterprises in developed and developing countries.   


 Md. Amin Ullah
Deputy Director, Head of Finance & Accounts



Mr Md. Amin Ullah joined InM as the Deputy Director & Head of Finance & Accounts Section on 01 October 2019. He is a  finance professional with broad-ranging 15+ years’ working experience in different development organization Like ICCO Cooperation, MJF, TIB, ASF & BRAC. He has completed Honors & Masters in Accounting from Jagannath University College and Chartered Accountancy Knowledge level under ICAB. He is an ITP (Income Tax Practitioner) as well as a Member of DTBA. He has diversified working experience with various donors such as DFID,

DFAT, EU, UNICEF, WB, SIDA, MOFA, KIA & IOM. He has Expertise in Financial analysis, Financial Reporting, Internal Control, Budget & Budgetary Control, Fixed Assets & Inventory Management, Procurement process and control, Grants Management & Tax and VAT Management. Currently, he is leading the Finance & Accounts Department of InM.


Ms. Israt Zahan
Deputy Director, Administration & HR Division


Ms. Israt Zahan has joined InM on May 31, 2020 as Deputy Director, Administration & HR Division. She has been HR Professional for almost 10 years. During her career she worked some of the renowned conglomerate in the country like BEXIMCO and ENVOY. Before joining InM she was the Head of HR for one of the concern of Envoy group. She is a highly trained personnel in the field of HR and Administration with specialization in Job Analysis, Performance Management, Training and Development, Organizational Development, Change Management and communications.


Israt Zahan completed BBA in Management and MBA in Human Resource Management from Department of Management Studies, University of Dhaka. In addition, over the years she has successfully completed many training programs on issues like HR Competencies, KPI, Disciplinary Proceeding, Job Analysis and so on.


Nahid Akhter
Senior Research Associate, Research Division  


Nahid Akhter is a Senior Research Associate at InM. She started her career in 2010 as a Research Associate in the same institution. She holds a Master’s and Bachelor’s degree in Economics from Jahangirnagar University. All throughout her student life she has secured outstanding results in all public examinations and has been awarded a number of national scholarships.

Her research works include various development issues, like, women empowerment, digital financial inclusion, mobile banking, micro insurance, multidimensional poverty analysis, impact of remittance on poverty, rural finance, microfinance and so on. She has strong knowledge and experience in developing survey instruments and conducting statistical analysis, panel data analysis, report and article writing, national and international seminar presentation and so on.  She has published in internationally accredited journals. She has other publications in the form of research reports and working papers.


Shahadat Hossain
Senior Assistant Director, Education Division 


Mr. Shahadat Hossain has been working with Institute for Inclusive Finance and Development for more than ten years. Over the period he worked at HR and Administration, and Education Divisions. He worked with different crucial tasks at HR and Admin like Personnel function and Human Resources Utilization (HRU) Function-recruitment and selection, placement, employees’ performance appraisal, employees training and development- general administration, InM training centre management and so on.

From last two years, he is working with Education Division and coordinating InM Diploma in Microfinance Programme to promote through different policies and other related activities, and working as a faculty of the programme and conducts the course on “Human Resources Development of MFIs”. He is very enthusiastic for organization development through transactional and transformational change with new adaptation. Before InM, he worked as a Lecturer of School of Business at Prime University.

Mr. Hossian acquired Bachelor’s degree in Management and Master’s in Business Administration with  concentration in Marketing. He also obtained second master’s degree in Professional Human Resource Management (MPHRM) from University of Dhaka. He completed post-graduation diploma in Human Resource Management (HRM). Now he is studying SPHRi (Senior Professional in Human Resource-International) under HRCI – HR Certification Institute.  


Farish Muhammad Abdullah
Senior Assistant Director, Finance and Accounts Division 


Mr. Abdullah is working as Senior Assistant Director (Finance and Accounts) at Institute for Inclusive Finance and Development (InM) since 2010; he has completed BBA in Finance and MBA in Accounting. He began his career as Senior Support Officer (Accounts Services) at Standard Chartered Bank, Dhaka in 2007. He has earned a vast experience on accounting and financial management through working in various organizations in both banking and development sectors for more than 11 years.

Working at various organizations helped him to gain significant knowledge in different areas such as donor reporting, fund management, budgeting and internal control. He has experience working with various donors such as DFID, JICA, IDB, IGES, UNDP and others. He is overall responsible for establishing financial management systems, procedures, and controls and reviews them on a regular basis to ensure compliance, transparency and effective utilization of resources. He is also accountable to prepare financial statements for management and donors and facilitate independent external audits and oversee all accounting procedures to ensure compliance with company policy and maintain financial records and documentation.


Farah Muneer
Senior Research Associate, Research Division 


Farah Muneer has completed her BSc in Economics from North South University and MSc in Development Economics and Policy from The University of Manchester, UK. She has 6 years of research experience in the field of financial inclusion and enterprise development. She has also expertise in using different econometric models such as structural equation model, IVGMM, double hurdle model and constructing multidimensional poverty index. She has specialization in using statistical software STATA and SPSS. She also develops tools and techniques for primary data collection, questionnaire designing, survey supervision and data management along with data analysis and methodical writing. She has a good command on handling large survey data consists of 8000 to 10000 households.


Md. Abu Bakar
Assistant Director, Training Division 


Mr. Md. Abu Bakar joined InM as Assistant Director (Training). At InM he is particularly involved in designing, developing, implementing and coordinating different training courses for PKSF-POs, MRA licensed MFIs and customised courses for NGO-MFIs. Before joining at InM he worked at Microcredit Regulatory Authority (MRA). At MRA he was involved in national and international training and used to prepare statistical reports (NGO-MFI Volume). He was also directly involved in onsite supervision of MRA Licensed MFIs. Earlier MRA he worked with BRAC, Learning Division as Faculty Member and Senior Faculty Member at JOBS IRIS Bangladesh. He is a Certified Trainer of Making Cents International, USA and RedR India.

In his career of more than 12 years he conducted more than 200 training programs on different broad issues like Training of Trainers (ToT), Financial Product Design and Development, Microfinance Operations and Management, Risk Management, Financial Management and Internal Control for MFIs, Enterprise Management and Promotion of Private Business, Accounting and Financial Management, Financial Analysis of MFIs, Assets and Liability Management (ALM) of MFIs, KPIs of Monitoring and Auditing, Developing Strategic Plan, Business Plan Preparation, Governance and Regulations for MFIs, Managerial Competency Development, Human Communication and Leadership Development, Value Chain Development, Disaster Management etc. Further, he has practical experiences on Training Needs Assessment (TNA), Training Curriculum and Module Development, Training Motoring and Evaluation.   

In Addition Mr. Bakar is serving as a Faculty Member in InM Diploma in Microfinance Programme and conducting the course on Financial Planning and Analysis for MFIs. He has completed BBA and MBA (Major in Accounting) from Islamic University, Kushtia. He has received broad array of training programmes, both national and international level in the areas of Financial Analysis (CGAP), Microfinance, Market Research, Disaster Management, SME, Youth Inclusive Financial Services (YFS) and Management.



Forkana Begum
Assistant Director, Administration & HR Division 


Ms. Forkana Begum joined Institute for Inclusive Finance and Development (InM) in 2008 as     Office Assistant to provide administrative support. Now she is working as Assistant Director G-1 (Administration & HR). Throughout her 10 years journey with InM, Ms. Forkana has contributed in different areas of administration such as management of General Administration, Human Resource Management, Library Management, handle Knowledge Management and Research Administration. She has consistently enhancing her skills. Before InM, she worked for various organizations for more than 18 years.

Ms. Forkana received her MA and BA (Honors) from Eden Girls College under National University She has also obtained Masters in Information Science and Library Management from the University of Dhaka.

The major focus of her interest covers institutional management, HR management, library management and related areas.



Md. Mohosin Sikder
Assistant Director, Finance and Accounts Division 


Mr. Mohosin Sikder is currently working as Assistant Director (Finance & Accounts) for the Institute of Inclusive Finance and Development (InM). He has completed Honors & Masters in Accounting under National University. He has been working more than 17 years and had worked in a myriad of accounting related fields in various industries. He has been successful at proving his skills in both the manufacturing and development sector. He began his career in the private commercial sector before moving on to the development sector in 2010.

He is well experienced in all aspects of bookkeeping, financial accounting, management accounting, and have also worked in project management and administrative coordination. During his career, he has performed in various functions such as cash & fund management, inventory and receivables bookkeeping, financial compliance and internal auditing, bank reconciling, financial reporting, designing chart of accounts, making relevant vouchers entries in software and has also performed in administrative functions.


Ashraful Islam
Assistant Director, Training Division 


Mr. Ashraful Islam has completed his MBA in Human Resource Management with special focus on Training and Development from Institute of Business Administration (IBA), University of Dhaka in 2016. He was awarded with the highest accolade (Chairman’s Gold Medal) for securing the highest CGPA in the Diploma in Microfinance Programme.

Currently at InM he is predominantly engaged in designing, developing, implementing and coordinating different training courses for PKSF-POs, MRA licensed MFIs and tailor-made training courses for NGO-MFIs.

Being a young professional he has expertise in the area of microfinance operations, conducting market research, designing new financial products, budgeting and strategic planning, governance and regulations, strategic risk management, financial management, Assets and Liability Management (ALM) of MFIs, microfinance business planning, internal control, analyzing exposure to credit risk, KPIs of Monitoring and Auditing of microfinance programme, enterprise lending and management, value chain development, conducting Training Needs Assessment (TNA), designing & developing curriculum and module, coordinating training programmes etc. Further he has distinct acumen in producing official reports and publications, meeting minutes, MoUs, briefings for webpage and newsletters, etc. He has received and coordinated diversified training programmes, both national and international in the area of microfinance, SME and management.

In addition to this, Mr. Islam is serving as a faculty member in Diploma in Microfinance Programme of InM and conducting the course on “Governance and Regulations of MFIs”.

Assistant Director, KnM Division

Ms. Zohora has got extensive exposure in financial industry for around five years. Obtaining work experiences in different departments and attending several trainings, Ms. Zohora has developed a deeper understanding in financing mechanism, overall industry practices and financial environment of Bangladesh. She changed her track and joined InM to pursue her interest in Development Finance. Currently she is working in Knowledge Management Division of InM and supporting InM to disseminate integrated knowledge through proper channel. She is a development enthusiast and has keen interest in banking, financial inclusion, microfinance, enterprise development and in broader economy. Ms. Zohora did B.Sc nd M.Sc in Applied Mathematics from University of Dhaka. She also completed MBA major in Finance from the same university.