Latin America & Caribbean consultants

Belinda Florez is the Associate Director of the Center for Innovation in Shelter in Finance in Latin America and the Caribbean. As part of her role, she has been responsible for the establishment and administration of more than 15 alliances with MFIs in Latin America, including FINANCIERA EDYFICAR and CREDIVISION (Peru); FDL (Nicaragua); ADOPEM, and ADEMI in the Dominican Republic, CRECER (Bolivia). She has also led the design and implementation of housing finance products for several financial institutions in the region, and has trained microfinance practitioners on housing microfinance product development.
 
She brings with her more than 22 years of experience in the institutional development and microfinance sector. She worked with Opportunity International Network (OI) providing consultancy for institutional restructuring processes of some OI partners in LAC. In addition, she worked at World Vision in Colombia, where she took different positions of responsibility such as accountant and financial manager for their national operations.
 
Mrs. Florez holds a master's degree in Organizational Leadership from Eastern University, and is a Certified Public Accountant.  She is proficient in Spanish, and fluent in English. She is based in San Jose, Costa Rica.

Mario Moran functions as Program Manager and is in charge of positioning of new products for HFHI’s Latin America and the Caribbean team, under projects implemented by the Center for Innovation in Shelter and Finance.
 
Mr. Moran has dedicated more than ten years to the development of housing programs, and housing microfinance product development. Before joining Habitat, he served as Country Director of Compassion International in Honduras, and as Project Director for different projects of USAID in El Salvador.
 
Mr. Moran has studies in Industrial Engineering from Universidad Politecnica in El Salvador and a degree in Electrical Engineering from the University of El Salvador, and he has attended specialized training courses, including the Boulder Microfinance Program (Italy) and the direction and program management at INCAE (Costa Rica). He is proficient in Spanish, and fluent in English.

Juan Carlos Sapien serves as Manager of technological solutions in water and sanitation (WATSAN) for Habitat for Humanity International in Latin America and the Caribbean. Within the Center for Innovation in Shelter and Finance in LAC as design coordinator and supervisor, on executing and monitoring Construction Technical Assistance services models; technical tools and methodology guides that help to improve the quality and efficiency of construction processes; by identifying and promoting new construction technologies and facilitating workshops on basic and advance of construction issues related technical assistance. 
 
Mr. Sapien has more than 20 years of experience in diverse areas of construction. He has led social housing projects, mainly of self-construction. He participated in research initiatives related to architectural and urban matters for the UAM Xochimilco, Mexico and held public positions as Advisor to the Director of Urban Development, and Public Services at the Iztacalco delegation.  Mr. Sapien has a Master's degree in Architecture from the National Autonomous University of Mexico. He is proficient in Spanish, and fluent in English. He is based in San Jose, Costa Rica.

Adriana Llorca is Manager of Housing Investment Strategies for Habitat for Humanity International in Latin America and the Caribbean. Within the CISF, she is responsible for the coordination and supervision of housing finance project monitoring for the region;  identifies and elaborates pre-feasibility evaluations to institutions that are interested in leveraging housing finance with private funds (such as MicroBuild); and is in charge of establishing alliances with social investors interested in housing, and strengthen the capacity of the loan officers for an effective offer of the housing financial product.
Mrs. Llorca has twelve years of experience working in different managing positions related to credit, investing and managing of credit products in banking and commerce as well. She has worked at Scotiabank as product manager; in Florida Ice & Farm in capital and real estate investment; and at Coca-Cola Interamerican Corp. functioned as Manager of Key Accounts for LAC region. She is very skillful in the area of investment strategies, distribution and promotion, credit product and promotion design, negotiation, strategies to develop outsource services, and resource management.
 
Adriana has a Business Administration Degree and a Master´s degree in Economy and Banking of the Universidad Politecnica de Catalunya, in Barcelona, Spain, and a Master´s degree in Marketing of the Universidad Latina de Costa Rica. She is proficient in Spanish, English, and Fluent in French. She is based in San Jose, Costa Rica.

Enrique Montero serves as Coordinator of Financial Systems and Products of Humanity LAC. As part of his role at the Center for Innovation in Shelter and Finance in LAC region Mr. Montero works on the design of cost and financial projection tools; flow design, adjustment or evaluation and system and administrative processes; project monitoring and capacity development of the sale force for an offer of the housing financial product.
 
Mr. Montero has fourteen years of experience in the area of coordination and direction of social housing programs, having being Executive Director and Program Coordinator in Costa Rica, Ecuador, Honduras and Nicaragua and an advisor to national boards and executive directors. Enrique has also led and coordinated the installation of specialized software for the administration of the loan portfolio in several countries in LAC.
 
He holds a Master of Arts in Organizational Leadership from Eastern University-Saint Davis, Pennsylvania and a BA degree in System Engineering from the Magister University in Costa Rica. He has also completed executive training in management and finance for NGOs from INCAE Business School, in Costa Rica. He is proficient in Spanish, and fluent in English. He is based in San Jose, Costa Rica.

Guiselle Espinoza functions as the systematization/evaluation initiatives coordinator for Habitat for Humanity International LAC. As part of her role at the CISF, Mrs. Espinoza coordinates and supervises evaluation processes and project systematization and provides advice for the implementation of guides and tools to promote organizational learning. She also facilitates workshops with a housing approach and the application of adult education methodologies.

Mrs. Espinoza worked for World Vision International in LAC for more than 10 years as regional coordinator of leadership development, coordinating capacity development programs, performance management and organizational leadership. She also has five years of experience as a technical specialist in organizational learning and planning, monitoring and evaluation where she designed methodologies for training, learning, evaluation and systematization processes directed to the area office and with different national organizations for Habitat for Humanity in LAC.

She is an adult education specialist, with a major in English-Spanish translation, from the Universidad Internacional de las Américas, in Costa Rica. She is certified in NGO Management and Sustainability from Eastern University’s School of Leadership and Development and has a master’s degree in project management from the Universidad para la Cooperación Internacional in Costa Rica. She is proficient in Spanish and English. She is based in San Jose, Costa Rica.

Alejandra Pérez serves as financial and administrative assistant for CISF in LAC. She manages the CISF projects budgets, the contracts with consultants and partner agencies; prepares the financial reports for the sponsors of the Center, and provides administrative support to the other members.

She has five years of experience in Habitat for Humanity LAC and was a bookkeeper for the department of administration and finance. She has also worked as accounting assistant for Habitat for Humanity Costa Rica and Jose Figueres Ferrer Cultural and Historic Center from the Ministry of Youth and Culture in Costa Rica. She holds a technical degree in accounting and finance from the Universidad Técnica Nacional in Costa Rica, she has a degree in business administration with emphasis in accounting from the Universidad Estatal a Distancia in Costa Rica. She is currently in the process of majoring in accounting. She is proficient in Spanish and fluent in English. She is based in San Jose, Costa Rica.