Person:
Goldberg, Michael J.

Global Practice Strategy and Operations, The World Bank
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Fields of Specialization
Private sector development; microfinance; business development; small enterprise development
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Global Practice Strategy and Operations, The World Bank
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Last updated: January 31, 2023
Biography
Mike Goldberg started his career as a Peace Corps Small Business Volunteer. He also worked for CARE Guatemala, and the Consultative Group to Assist the Poor. With the World Bank since 1992, he has worked in East Asia, South Asia, Eastern Europe, and Latin America and the Caribbean, as a microfinance and small business development expert.  Over the past four years, he has also served as a senior operations officer for the Latin America Region and as an operations adviser in the Development Effectiveness Unit of the Africa Vice Presidency. He was also the Regional Learning Coordinator for Africa, offering technical and operational clinics, workshops and face-to-face courses – always with emphasis on practical solutions and participation. He holds a Bachelors degree from Johns Hopkins, a Masters in economic development from The Fletcher School (Tufts) and an MBA/MSF from Drexel University.

Publication Search Results

Now showing 1 - 3 of 3
  • Publication
    From Financial Exclusion to Inclusion : Increasing the Availability of Credit to the Urban Poor in Latin America
    (World Bank, Washington, DC, 2006-11) Gwinner, William Britt; Goldberg, Michael J.; Solo, Tova Maria; Didoni, Alberto
    This is the second of two articles that draw on the results of recent studies of the links between financial services and low income communities in Latin America. While the focus remains on the nature and inherent costs of financial exclusion for the unbanked -- those without basic deposit and transaction accounts, this article focuses on access to credit and on some of the efforts that have been made to increase the availability of credit services to the urban poor. It closes by describing ways in which World Bank projects could support increased private sector lending for community development, including housing, home improvement, and basic physical and social infrastructure as well as micro and small business lending.
  • Publication
    Chile : A Strategy to Promote Innovative Small and Medium Enterprises
    (World Bank, Washington, DC, 2008-02) Goldberg, Mike; Palladini, Eric
    With its strong export orientation and emphasis on competitiveness, the Chilean economic model has been the envy of its neighbors for more than a decade. However, there are underlying vulnerabilities. Historically, exports have been concentrated in mining and agriculture, sectors dominated by large firms that do not generate a large share of employment. Small and medium enterprises play a key role in employment generation and economic decentralization in Chile, yet their employment was stagnant between 2000 and 2004. Based on work completed in 2003, this study provides a review of the Chilean government's substantial investment in programs that support small and medium enterprises. This review of government programs confirms the importance of coordination and an overarching strategy, in the form of a National Innovation System, led by a single institution. The review also finds that demand-driven programs were more likely to be sustainable. Finally, the study demonstrates that Chile (and other countries with many support programs for small and medium enterprises in place) needs an integrated management information system to analyze, assess, coordinate, and streamline the program portfolio for small and medium enterprises in the future.
  • Publication
    Strategic Alliances to Scale Up Financial Services in Rural Areas
    (Washington, DC: World Bank, 2006) Gallardo, Joselito; Goldberg, Michael; Randhawa, Bikki
    Firms have employed strategic alliances with other firms to effectively manage costs, overcome resource and technology constraints, and enhance competitive position. Strategic alliances can lead to productive institutional collaborations in rural financial markets, thereby expanding the array of financial products, and scaling up access of rural households and micro-businesses to financial services. Strategic alliances comprise a new theme in rural finance. The institutions in the study used strategic alliances to tap new capital resources, manage transaction costs, access banking technology and infrastructure, and acquire new skills to provide an expanding array of financial services to wider markets. The authors carefully examine the experiences of selected rural finance institutions, and their strategic allies or development partners in Guatemala, the Philippines, Ghana, and India to draw out the main findings and share lessons that may be applied in other country settings. The study addressed a number of key questions: What motivated the rural finance institution to structure its alliance or partnership with a bank, commercial, or development organization? How are gains from and costs of alliances and partnerships shared between collaborating institutions? What are the key elements that make partnerships or alliances successful, and which conditions lead to unproductive ones? Which financial products and services are best introduced through strategic alliances?