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Our team


  • Lucija Popovska
    Program and Housing Finance Director

    Ms. Popovska is a senior development manager with 20 years professional experience and has worked for Habitat for Humanity ECA for a decade. In her role, she leads strategy development of the regional programs, coordinates the operations in the region, guides the monitoring and accountability operations and serves as a key liaison with the global network and external partners.

    Ms. Popovska leads strategy developments, engages with financial partners and investors to develop new products and partnerships. She also engages in programs design and monitoring, with a special focus on serving the lower income client groups.

    Ms. Popovska speaks several languages, holds an MBA and specializes in microfinance and housing finance (trained by the Boulder Institute and the Frankfurt School of Finance). She was one of the pioneers in promotion and development of housing microfinance in the region. Prior to Habitat, she worked for the Council of Europe on human rights education and various agencies in the Balkans on poverty reduction and conflict transformation.

  • Loucine Hayes
    Housing Finance Manager

    Mrs. Hayes is leading her team to establish housing finance strategic directions and enable sustainable growth. Her goal is to reach meaningful scale through affordable investment mobilization and innovative financial products and services that promote access to housing for the poor. She is focusing on development of effective financial models and investment opportunities and innovative partnerships with MFIs, FIs, NGO, regional and national government agencies. She is directly involved in the initiative to establish a global MicroBuild Fund.
  • Mrs. Hayes is an international development executive with specialization in microfinance and housing microfinance with over 15 years of experience designing and managing programs in Europe and Central Asia, Asia-Pacific and the Middle East to promote access to housing and housing finance for the poor.

    She earned her master’s in business and administration at Edinburgh Business School, Scotland and speaks Russian, French, Armenian, Spanish and other regional languages of Europe and Central Asia.

  • Marina Yoveva
    Program Development Manager

    Ms. Yoveva is a seasoned professional with over 15 years’ experience as a manager, technical advisor and a trainer in the areas of micro-finance and project management. In her role, she oversees the strategic and programmatic developments in most of the Habitat for Humanity ECA housing finance focused programs, specifically the programs in Central Asia.

    Prior to Habitat, Ms. Yoveva worked for World Vision International, Opportunity International supporting their micro-finance operations in 13 countries in Eastern Europe and the Caucasus. She has experience in most areas of microfinance institution operations: governance and management, strategy and planning, financial management and reporting, organizational development and legal forms, risk management and internal audit, microcredit methodologies, staff development, information systems and management information.

    She has hands on experience in managing the daily operations of WVI MFI in Azerbaijan, AzerCredit. She is a board member of AzerCredit and served also on the boards of MFC, and Nachala Cooperative (the Bulgarian partner of OI). Ms. Yoveva speaks English, Russian, Polish and Bulgarian and is an MBA holder.

  • Robin Black
    Construction, Design and Disaster Response Manager

    An experienced manager of development, relief and construction programs, Mr. Black has been with Habitat for over five years. He leads the construction, technical advice, technology, process and procedure and disaster response initiatives in the ECA region. His experience ranges from on-site operational delivery of construction projects, to the strategic planning process for program development and growth.

    Mr. Black has developed the non-financial services for housing micro-finance, specifically construction and technical assistance; technical needs assessment, design and technical intervention, construction methodology, construction procurement, health and safety for many HMF initiatives across the region. He is an experienced trainer of non-construction personnel in the delivery of non-financial services.

    Mr. Black’s career spans the construction, relief and development sectors, and has worked with; local municipalities in the social housing sector in the U.K., in the health & education sector with Children’s Aid Direct in the Balkans, housing and training with VSO in Zimbabwe, and also in the commercial construction industry prior to his engagement with Habitat. Mr. Black has a City & Guilds in Carpentry and Joinery, and has master’s of science in housing and urban development from Oxford Brookes University.

  • Elena Milanovska
    Housing Finance Officer

    As housing finance officer for the region of Europe and Central Asia, Ms. Milanovska is focusing on addressing housing needs by supporting the national organizations in establishing partnerships with investors and MFIs, in development and implementation of new housing finance models, products and projects, structured finance, monitoring and evaluation, portfolio management.

    Ms. Milanovska has more than 11 years of experience in microfinance, finance and operations in the microfinance/housing finance sector in Balkans and ECA. With Horizonti - MFI (former CRS Microfinance Project) in Macedonia she worked for eight years in operations. Since inception of the project, she supported its sustainability, localization, and transformation to local MFI.

    She has a master’s degree in business administration from the Liverpool Hope University, U.K. She has attended several training courses including the ILO/Boulder Microfinance Program and Microfinance Training Course with Southern New Hampshire University, New Hampshire, US.

  • Narine Terzyan
    Housing Finance Manager Armenia

    Ms. Terzyan studied finance and securities on the Armenian and State Universities in Yerevan. She worked in the civil sector and the banking industry as a financial analyst before joining Habitat for Humanity Armenia a year ago.

    Ms Terzyan works on design and creation of new loan products, models and projects for housing loans and housing policy. She works on investigation of sources of external capital for funding; monitoring and evaluation of existing housing finance projects and activities; promotion of services to external organizations in the credit and housing fields, conducting due diligence of potential financial partners.

    She is involved in negotiations and establishment of new partnerships; identification of capacity gaps in the country of implementing housing finance projects, developing capacity including legal aspects and financial literacy of clients. Additionally, she works on the scaling of effective operational models, sharing the knowledge in the country network; and maintenance of quality standards of loan portfolio, development of analytical approaches and solutions for delinquent loans.

  • Nurlan Moldosherip uulu
    Construction Officer

    Mr. Moldosherip studied construction, transportation and architecture at the Kyrgys State University. He worked for five years with Habitat for Humanity in Kyrgyzstan before moving to the ECA regional office four years ago. In his role, Mr. Moldosherip advises on all technical aspects of construction activities and designs, and is an experienced CTA advisor. He is fluent in English, Russian and Kyrgyz languages.
  • Robert Jokl
    Housing Finance Team Support

    Mr. Jokl is currently helping with performance analysis, portfolio management and guided research. He is second year student of City University of Seattle in Bratislava, majoring in business administration.