Hans Dieter Seibel is a professor emeritus at Cologne University. He is specialized on microfinance and microbanking, linkages between formal and informal finance including digital linkages, agricultural development bank reform, SME development, M&E, and sociocultural system research. In the 1980s, he designed the linkage banking program with GTZ, FAO and APRACA and was team leader of the first pilot project in Indonesia. In 1999-2001 he was Rural Finance Advisor at IFAD and author of its Rural Finance Policy.
Thomas Hoerz studied Agriculture in Hohenheim, Germany and Refugee Assistance in Oxford, UK. In 1990 he started to work abroad in a GTZ food security program in Tanzania, moved later to food assistance with GTZ in East Africa and continued humanitarian work with Oxfam, the World Food Programme, UNHCR, FAO and several NGOs. During part of the 1990s he focused on household energy and environmental stabilization in refugee hosting areas.