EDUCATION AND DEGREES

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1 ASHTA Arvind French/Indian overseas citizen Groupe ESC Dijon-Bourgogne, 29, rue Sambin F Dijon, FRANCE Phone: +33 (0) Permanent Professor Holder of the Chair in "Microfinance" Department of Control, Finance and Law EDUCATION AND DEGREES 1996 PhD in Law Université Panthéon- Assas, Paris II, France 1990 D.S.U in Political Science University of Paris 2 Université Panthéon- Assas, Paris II, France 1986 LL.B Law Center-2 (evening) University of Delhi, India 1982 Post-graduate Diploma in Management Indian Institute of Management, Calcutta 1980 BA in Economics (with Honors) St. Stephen s College, University of Delhi, India 1977 Indian School Certificate (Government of India Merit Award) St. Columba s High School, New Delhi, India WORK EXPERIENCE Academic activities Professor in Finance, Control & Law Burgundy School of Business, Dijon, France Former Elected Dean of Faculty Burgundy School of Business, Dijon, France Professional experience Accounting and Selling Cyrene SA Paris, France Deputy Manager, Escorts Limited Faridabad, India 1985 Assistant Manager, Escorts Limited Faridabad, India Sr. Officer Internal Audit, Escorts Limited

2 Faridabad, India Consulting activities 1982 Analysing balance sheets and preparing loan applications for clients, 20 th Century Finance Mumbai, India Executive Education teaching European Masters in Microfinance Université Libre de Bruxelles (SBS-EM), Belgium Involvement in professional associations European Microfinance Platform, Luxemburg European Microfinance Network Founder of Burgundy Group for Microfinance Research (Linkedin) Founder of Online Lending and Microfinance (Linkedin) TEACHING Teaching interests - Microfinance and Technology - Management control - Performance management - Microfinance Financing and Financial Analysis - Corporate valuation - Financial Market Theory - Financial Management - Financing of Cultural Activities - Corporate Financial Management - Costing and Budgeting - Financial Accounting - International and European Taxation - International Law Teaching languages - English - French Levels of teaching - Bachelor - Master - PhD

3 SCIENTIFIC ACTIVITIES 2009 Holder of the Chair in "Microfinance" Burgundy School of Business, Dijon, France Research interests - Microfinance (Microcredit, Microequity) - MIS in Microfinance - Slow Money - Cooperatives of Entrepreneurs - Crowdfunding and online lending - Corporate Social Responsibility Academic affiliations Member, Réseau de Recherche sur l'innovation Member, CERMi (European Center for Research in Microfinance) Contribution to the scientific community Academic research grants PARI 10 Slow money en Bourgogne, Integrated Research Plan Project, Regional Council, euros. PI: Angela Sutan Distinctions 2013 Keynote speaker at the Canadian Council of Small Business Enterprises Conference in Victoria (BC), Canada Mainstage speaker at the Slow Money Conference in Boulder (Co), USA (April 29-30, 2013) 2012 Hanson Wade invited me to Chair the Microfinance Technology conference in Kuala Lumpur Best Paper Certificate Award (one of three) at the 3rd Institutional and Technological Environment for Microfinance Conference, New Delhi. Editorial/ Review Board (current) - Cost Management - Gitam Review of International Business - International Journal of Technology and Human Interaction - Strategic Change: Briefings in Entrepreneurial Finance Editorial experience 2013 Guest editor of Special issue on Microfinance and the financial context for Journal of Innovation Economics on Innovations Coordinated special issue on Microfinance for Strategic Change: Briefings in Entrepreneurial Finance Guest editor of Special issue of Cost Management on Microfinance 2010 Guest editor of a special issue on "Technology and Microfinance" for Journal of Electronic Commerce in Organizations

4 Editor: France Now Over 200 short articles written and published on French legislative and economic news. Occasional review of papers World Development, European Journal of MIS, Journal of Economic Issues, Journal of Business Ethics, European Management Review, Corporate Governance, Electronic Commerce Research and Applications, EURAM conference, Asia Pacific Conference for International Accounting Co-directing Ph.D. research thesis Credit Scoring and Poverty scoring (Since Sept 2012) in collaboration with Oxford Brookes University, UK Financial diaries in Microfinance (Since Sept 2012) in collaboration with Université de Besançon, France Other Scholarly and related Activities Started a weekly seminar Microfinance Sandwich Writer s Clubs Started quarterly mini-conferences on Microfinance 2010 Started an annual conference Institutional and Technological Environment for Microfinance (ITEM) Organized a case competition on "Rang De: How to make online lending grow in India?" with Djamchid Assadi International collaborations (instrumental in three protocols signed with Indian schools and one with a Belgian university) Intellectual contribution References from 2007 to 2014 Scholarly articles in refereed journals Ashta, A, Couchoro, M., Musa, A.S.M. (2014) "Dialectic evolution through the social innovation process: from microcredit to microfinance", Journal of Innovation and Entrepreneurship, vol. 3, n 4, pp Ashta, A., Attuel-Mendès, L., Ratsimalahelo, Z. (2014) "Another French paradox : explaining why interest rates to microenterprises did not increase with the change in French usury legislation", European Journal of Law and Economics, in press. Ashta, A. (2013) "A minimum wage solution to halving world poverty by 2015: A stakeholder approach", IIMB Management Review, vol. 25, n 1, pp Ashta, A. (2013) "Contextualizing Microfinance Research", Journal of Innovation Economics, vol.11, n 1, pp Ashta, A., Patel, J. (2013) "Software as a Service: An opportunity for disruptive innovation in the Microfinance software market?", Journal of Innovation Economics, vol. 11, n 1, pp Attuel-Mendes, L., Ashta, A. (2013) "The Truth, but Not Always The Whole Truth In Lending Laws", Cost Management, vol. 27, n 2, pp Khan, S., Ashta, A. (2013) "Managing multi-faceted risks in microfinance operations A case study on ASA", Strategic Change: Briefings in Entrepreneurial Finance, vol. 22, n 1, pp Sharman, P., Ashta, A. (2013) "Lessons from Cost Management in Microfinancing", Cost Management, vol. 27, n 2, pp Hudon, M, Ashta A. (2013) "Fairness and microcredit interest rates: From Rawlsian principles of justice to the distribution of the bargaining range", Business Ethics: A European Review, vol. 22, n 3, pp

5 Ashta, A. (2012) "Co-creation for impact investments in Microfinance", Strategic Change: Briefing in Entrepreneurial Finance, vol. 21, n 1-2, pp Ashta, A. (2012) "Social Responsibility in the Information Age: Lessons from SaaS in the context of Microfinance", Cost Management, vol. 26, n 5, pp Ashta, A., Sharman, P. (2012) "Preface to the first special issue on Microfinance", Cost Management, vol. 26, n 5, pp Ashta, A., Fall, N. S. (2012) "Institutional analysis to understand the growth of microfinance institutions in West African Economic and Monetary Union", Corporate Governance: The International Journal of Business in Society, vol. 12 n 4, pp Ashta, A., Hudon, M. (2012) "The Compartamos Microfinance IPO: Mission Conflicts in Hybrid Institutions with Diverse Shareholding1", Strategic Change: Briefing in Entrepreneurial Finance, vol. 21, n 7-8, pp Assadi, D., Ashta, A. (2012), "Brand Value Building in Online Social Lending Startups", Journal of Innovation Economics, vol. 1, n 9, pp Attuel-Mendès, L., Ashta, A., Ditter, J.-G. (2012) "La réforme de la législation française en matière d usure facilite-t-elle l accès au crédit des micro-entreprises? ", Humanisme et Entreprise, n 309, pp Estape-Dubreuil, G., Ashta, A., Hedou, J. (2012) "Micro-equity and Social Entrepreneurship from a Venture Capital Perspective", Strategic Change: Briefing in Entrepreneurial Finance, vol. 21, n 7-8, pp Khan, S., Ashta, A. (2012) "Cost Control in Microfinance: Lessons from ASA", Cost Management, vol. 26, n 1, pp Milana, C., Ashta, A. (2012) "Developing Microfinance: A Survey of the Literature", Strategic Change: Briefing in Entrepreneurial Finance, vol. 21, n 7-8, pp Ashta, A., De Selva, R. (2011) "Religious Practice and Microcredit: Literature Review and Research Directions", Postmodern Openings, vol. 2, n 8, pp Ashta, A., Otto, P. E. (2011) "Project valuation in the presence of loss aversion during economic crises", Strategic Change: Briefing in Entrepreneurial Finance, vol. 20, n 5-6, pp Constantinou, D., Ashta, A. (2011) "Financial crisis: lessons from microfinance", Strategic Change: Briefing in Entrepreneurial Finance, vol. 20, n 5-6, pp Ashta, A. (2010) "Guest Editorial Preface A Brief Introduction to Microfinance and Technology", Journal of Electronic Commerce in Organizations, vol. 8, n 2, pp. i iii. Ashta, A. (2010) "Guest Editorial Preface With Some Directions for Future Research in Microfinance and Technology", Journal of Electronic Commerce in Organizations, vol. 8, n 3, pp. i iii. Ashta, A. (2010) "Legal Risk in the Financial Markets, by Roger McCormick, 2006, Oxford, UK Oxford University Press", Journal of Risk and Insurance, vol. 77, n 3, pp Ashta, A., Assadi, D. (2010) "An analysis of European online micro-lending", Journal of Innovative Marketing, vol. 6, n 2, pp Ashta, A., Assadi, D. (2010) "Should online micro-lending be for profit or for philanthropy? DhanaX and Rang De", Journal of Innovation Economics, vol. 2, n 6, pp Constantinou, D., Ashta, A. (2010) "Comment la microfinance surmonte-t-elle les crises financières et économiques?", Techniques Financières et Développement, n 99, pp Johnson, S., Ashta, A., Assadi, D. (2010) "Online or Offline? The Rise of "Peer-to-Peer" Lending in Microfinance", Journal of Electronic Commerce in Organizations, vol. 8, n 3, pp Allaire, V., Ashta, A., Attuel-Mendes, L., Krishnaswamy, K. (2009) "The success of Moroccan Microfinance institutions: more than just culture?", Euro-Mediterranean Economics And Finance Review, vol. 4, n 3, pp Ashta, A. (2009) "Corporate Social Responsibility in the Dynamic Information Age of Inter-Systems Connectivity", Journal of Electronic Commerce in Organizations, vol. 7, n 1, pp

6 Ashta, A. (2009) "Micro-credit Capital Flows and Interest Rates: An Alternative Explanation", Journal of Economic Issues, Vol. XLIII, n 3, pp Ashta, A., Bush, M. (2009) "Ethical Issues for NGO Principals in Sustainability, Outreach and Impact of Microfinance: Lessons in Governance From Banco Compartamos's IPO", Management Online Review, ISSN , pp.1-18, Ashta, A. (2008) "Sustainable growth rates: refining a measure", Strategic Change: Briefing in Entrepreneurial Finance, vol. 17, n 5-6, pp Attuel-Mendès, L., Ashta, A. (2008) "French Legislation and the Development of Credit Availability for Microenterprise", Global Journal of Business Research, vol. 2, n 2, pp Ernult, J., Ashta, A. (2008) "How to Measure Global Sustainable Performance in a Service Enterprise? A Case Study of the Credibility Of Vigeo s Rating of Caisse d Épargne", Journal of Services Research, Special Issue, n 8, pp Ashta, A. (2007) "Behavioral Influences on the Calculation of Expectations in Project Appraisal", The ICFAI Journal of Behavioral Finance, vol. 4, n 2, pp Ashta, A. (2007) "The Taxation of Mergers Directive (90/434/EEC) as Amended", The ICFAI Journal of Mergers & Acquisitions, vol. 4, n 1, pp Ashta, A., Patil, S. (2007) "Behavioral Finance Issues in Listing and Delisting in the French wine industry: Lessons from the case of Grands Vins Boisset", Decision, vol. 34, n 2, pp Ashta, A., Diaz-Bretones, F., Tolle, L. (2007) "Behavioral Influences in Selecting Restructuring Strategies for Sick Companies", The ICFAI Journal of Behavorial Finance, vol. 4, n 4, pp Book Reviews Ashta, A. (2013) "Book review of Dambisa Moyo (2009), "Dead Aid: Why Aid is not working and there is another way for Africa", Penguin Books, Londres, Royaume-Uni, 188 p., Strategic Change: Briefings in Entrepreneurial Finance, vol. 22, n 1-2, pp Ashta, A., Milana, C. (2012) "A comparison of two books of microfinance pioneers: Vikram Akula (2011) A Fistful of Rice: My Unexpected Quest to End Poverty Through Profitability, Harvard Business Review Press, Boston, MA, 191 pages. with Muhamad Yunus (2003) Banker to the Poor: Micro-Lending and the Battle Against World Poverty, Public Affairs, New York; 288 pages", Strategic Change: Briefings in Entrepreneurial Finance, vol. 21, n 7-8, pp Ashta, A. (2010) "Legal Risk in the Financial Markets", by McCormick, R., 2006, Oxford University Press, Oxford, Royaume-Uni, p p., Journal of Risk and Insurance, n 77, vol. 3, pp Ashta, A., Weber, K. (2009) "Book Reviews - Creating a World Without Poverty: Social Business and the Future of Capitalism, by Muhammad Yunus", Journal of Economic Issues, vol. 43, n 1, pp Books Ashta, A. (2011) Advanced technologies for microfinance: Solutions and challenges, IGI Global, Hershey, Pennsylvanie, 340 p. Book chapters Arvind Ashta (2013) "Cooperating For Entrepreneurship: The French Regime of Cooperative of Activities and Employment" in Oluyombo, O., Cooperative and Microfinance Revolution, Soma Prints Limited, Lagos, Nigeria, pp Ashta, A., Dayson, K., Gera, R., Hettihewa, S., Krishna, N.V., Wright, C. (2013) "Microcredit as a Social Innovation", In Moulaert, F., MacCallum, D., Mehmood, A., Hamdouch, A., The International Handbook on Social Innovation, Edward Elgar Publishing, Cheltenham, Royaume-Uni, pp

7 Arvind Ashta, Couchoro, M., Musa, A. S. M. (2013) "Microfinance and Entrepreneurship" in Carayannis, E. G., Uzunidis, D., Encyclopedia of Creativity, Invention, Innovation and Entrepreneurship, Springer, pp Arvind Ashta, Cabraal, A., Dayson, K. (2013) "Love Money", in Carayannis, Elias G., Uzunidis, D., Encyclopedia of Creativity, Invention, Innovation and Entrepreneurship, Springer, pp Ashta, A., Bratu, D. (2013) "Slow Money : un modèle alternatif pour des investissements durables", Vittari, C., Slow Management, Pearson, Montreuil, France, pp Attuel-Mendès, L., Ashta, A., Pic, E., (2012) "La finance responsable face aux grandes religions", in Barth, I., Management et religions, Editions EMS, Strasbourg, pp Ashta, A., Assadi, D. (2011) "The use of Web 2.0 technologies in online lending and impact on different components of interest rates", in Ashta, A., Advanced technologies for microfinance: Solutions and challenges, IGI Global, Hershey, Pennsylvanie, pp Assadi, D., Ashta, A. (2009) "How Do People Trust on Peer-to-Peer Lending Websites? Analysis of the Impacts of the Web 2.0 Technologies and Intermediation Roles", in Gera, R., Advances in Technology and Innovation in Marketing, Editions MacMillan, Inde, pp Refereed case studies Ashta, A., Assadi, D. (2011) "Babyloan: Microcredit, Great Stories, Scaling Issues In Social Business", European Case Clearing House, n , 23 p. Ernult, J., Ashta, A. (2008) "Caisse d'epargne: How to Choose Environmentally Friendly Vendors?", European Case Clearing House, n , 16 p. Papers in academic conferences Ashta, A. (2013) "Should Slow Money Movement be encouraged through Regulation?", Eighth Annual International Conference On Public Policy And Management: Infrastructure: Hard And Soft, Bangalore, Inde, août Ashta, A. (2013) "Microfinance and Micro-Entrepreneurship", International Conference on Microfinance And Microentrepreneurship: Issues & Challenges (Icm&M-13), Haryana, Inde, 8-9 août Ashta, A., Couchoro, M., Musa, A. S. M. (2013) "Microfinance: An innovation for entrepreneurship", 4 th Joint Research Conference, Dijon, France, 24 juin Ashta, A., Estapé-Dubreuil, G. Hédou, J.-P. (2013) "Making Slow Money work: The micro-angels approach to microinvestment decisions: selection, monitoring, accompaniment and coaching", Item 4, Paris, France, avril Ashta, A. (2012) "Social Responsibility in Information Age: Lessons from SaaS for Microfinance", 3 rd Institutional and Technological Environment for Microfinance Conference, New Delhi, Inde, 4-7 janvier Attuel-Mendès, L., Ashta, A. (2012) "The Truth, But not Always the Whole Truth in Lending Laws", 3 rd Institutional and Technological Environment for Microfinance Conference, New Delhi, Inde, 4-7 janvier Bourcieu, S. Hedou, J-P, Ashta, A., Estapé-Dubreuil, G. (2012) "Bottlenecks in the diffusion of social innovation: Why is microequity not a global phenomenon? A study of the slow pace of diffusion of the CIGALES movement?", 3rd Joint Research Conference, Oxford, Royaume-Uni, 30 mai Assadi, D., Ashta, A. (2012) "Featuring loans with social collaterals: The role of Self-help Trust Groups online and offline", 3rd Joint Research Conference, Oxford, Royaume-Uni, 30 mai Assadi, D., Ashta, A. (2012) "The Building of Brand Affective Equity: Do People Say What the Brands Want Them to Say? An investigation into the social media Twitter ", 3rd Joint Research Conference, Oxford, Royaume-Uni, 30 mai Bumacov, V., Ashta, A., Singh, P. (2012) "The conceptual framework of credit scoring from its origins to microfinance: an extensive literature review", 3rd Joint Research Conference, Oxford, Royaume-Uni, 30 mai 2012.

8 Bumacov, V., Ashta, A., Singh, P. (2012) "The conceptual framework of credit scoring from its origins to microfinance: an extensive literature review", 5 th International Research Workshop on Microfinance Management and Governance, Oslo, Norvège, octobre Ashta, A., Estapé-Dubreuil, G., Hedou, J-P., Bourcieu, S. (2012) " Social Innovation lessons from Microangels? An Institutional Entrepreneurship Case study of the CIGALES movement in France", 5 th International Research Workshop on Microfinance Management and Governance, Oslo, Norvège, octobre Ashta, A., Patel, J. (2011), "Is SaaS the Appropriate technology for Microfinance?", 2 nd Joint Research Conference, Dijon, France, 10 mai Ashta, A., Attuel-Mendès, L., Pic, E. (2011) "Microcredit and religions: different perspectives", 2 nd Joint Research Conference, Dijon, France, 10 mai Ashta, A., Khan, S., Otto, P. E. (2011) "Does Microfinance cause or reduce suicides: Policy recommendations to reduce borrower stress", 2 nd Joint Research Conference, Dijon, France, 10 mai Ashta, A. (2011) "CSR in a SaaS for Microfinance Environment", Symposium on Corporate Responsibility and Innovation, EABIS, Dijon, France, 6-7 avril Ashta, A., Krishna, N. V. (2011) "The Role of Technology in the Diffusion of Microfinance", Symposium on Corporate Responsibility and Innovation, EABIS, Dijon, France, 6-7 avril Ashta, A., Dayson, K., Gera, R., Hettihewa, S., Krishna, N. V., Wright, C. (2011) "Microfinance as a Social Innovation", Symposium on Corporate Responsibility and Innovation, EABIS, Dijon, France, 6-7 avril Ashta, A., Bumacov, V. (2011) "The conceptual framework of credit scoring from its origins to microfinance", Second European Research Conference on Microfinance, Gröningue, Pays-Bas, juin Ashta, A., Khan, S., Otto, P. E. (2011) "Does Microfinance cause or reduce suicides: The need for support groups for males", Second European Research Conference on Microfinance, Gröningue, Pays-Bas, juin Ashta, A., Khan, S., Otto, P. E. (2011) "Stress of Microfinance Borrowers", International Conference on Stress: Health, Society and Technology (ICONS-HST), New Delhi, Inde, avril Assadi, D., Ashta, A. (2011) "The Building of Brand Affective Equity, How Do People Like Kiva and Zopa: An investigation into the social media?", 7 th Global Brand Conference of the Academy of Marketing Brand, Corporate Identity and Reputation SIG, Oxford, Royaume-Uni, 6-9 avril Attuel-Mendès, L. Ashta, A., Pic, E. (2011) "Microcrédit et religions : regards croisés", Colloque "Management et Religions", Strasbourg, France, 31 août-1 er septembre Ashta, A. (2010) "La RSE dans l'ère de l information : Appliqué au SaaS en Microfinance", Innovations 2010, Paris, France, 7 juin Ashta, A. (2010) "MIS for Microfinance", 2 nd Microfinance and New Technologies Summit, Marrakech, Maroc, mars Ashta, A., Assadi, D. (2010) "Should online Micro-lending be for profit or for philanthropy? DhanaX and Rang De", 1 st Conference Institutional and Technological Environment for Microfinance, New Delhi, Inde, 7-8 janvier Assadi, D., Ashta, A. (2010) "P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups", 1 st Conference Institutional and Technological Environment for Microfinance, New Delhi, Inde, 7-8 janvier De Selva, R, Ashta, A. (2010) "Religious practice and micro-credit in West Bengal (India)", 1 st Conference Institutional and Technological Environment for Microfinance, New Delhi, Inde, 7-8 janvier Ashta, A., Patel, J. (2010) "Is SaaS the Appropriate Technology for Microfinance?", CERMi research workshop, Mons, Belgique, 19 octobre Ashta, A., Raimbault, S. (2010) "Business Perceptions of the new French regime on Auto-Entrepreneurship : a risktaking step back from socialism", 1 st Joint Research Conference, Oxford, Royaume-Uni, 26 mai Barbe, O., Didelot, L., Ashta, A. (2010) "Is there need for totally disconnected tax and financial systems? A post-ifrs evaluation of evolution of Tax and Financial Reporting relationships based on the French case", 1 st Joint Research Conference, Oxford, Royaume-Uni, 26 Mai 2010.

9 Assadi, D., Ashta, A. (2010) "Governance of Trust in P2P Lending Websites", 3 rd conference on Governance in Microfinance, Groningue, Pays-Bas, 31 août-1 er septembre Assadi, D., Ashta, A. (2010) "P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups", 6 th colloquium of the Academy of Marketing's Brand, corporate identity and reputation special interest group, 9-10 avril Attuel-Mendès, L., Ashta, A., Ditter, J.-G. (2010) "La réforme de la législation française en matière d'usure facilite-t-elle l'accès au crédit des micro-entreprises?", 3 e colloque du DEUST Travail social, "Existe-t-il des alternatives à la banque capitaliste?, ou Raiffeisen, réveille-toi, ils sont devenus fous!", Évry-Val-d Essonne, Paris, France, 8 octobre Couchoro, M., Ashta, A. (2010) "Critères de sélection des clients dans les IMF: le cas de Wages au Togo", 2 nd Institutional and Technological Environment for Microfinance, Dijon, France, 9-10 décembre Otto, P. E., Ashta, A. (2010) "Microsavings and Market Saturation: The Evolution of Diversity in Saving Products", 2 nd Institutional and Technological Environment for Microfinance, Dijon, France, 9-10 décembre Ashta, A., Demay, I. (2010) "L'histoire de Microfinance au Togo", 2 nd Conference Institutional and Technological Environment for Microfinance, Dijon, France, 9-10 décembre Hudon, M., Ashta, A. (2010) "To Whom should we be Fair? Ethical issues in Balancing Stakeholder Interests from Banco Compartamos Case Study", Academy of Management Annual Meeting AOM 2010, Montréal, Canada, 9 août Ashta, A., Assadi, D. (2009) "Do Social Cause and Social Technology Meet? Impact of Web 2.0 Technologies on peerto-peer lending transactions in general and microfinance in particular", 1 st European Research Conference on Microfinance, Bruxelles, Belgique, 2-4 juin Allaire, V., Ashta, A., Attuel-Mendès, L., Krishnaswamy, K. (2009) "Institutional analysis to explain the success of Morrocan Microfinance Institutions", 1 st European Research Conference on Microfinance, Bruxelles, Belgique, 2-4 juin Allaire, V., Ashta, A., Attuel-Mendès, L., Krishnaswamy, K. (2009) "The Success of Moroccan Microfinance Institutions : More than just culture?", 5 th International Finance Conference "Financial Crisis & Monetary and Financial Economics & Risk Management & Entrepreneurial finance & Basle II, Information Technologies and e-finance, Mediterranean integration and strategies", Hammamet, Tunisie, mars Attuel-Mendès, L., Ashta, A. (2009) "The truth, but not always the whole truth in lending laws", 5 th International Finance Conference "Financial Crisis & Monetary and Financial Economics & Risk Management & Entrepreneurial finance & Basle II, Information Technologies and e-finance, Mediterranean integration and strategies", Hammamet, Tunisie, mars Assadi, D., Ashta, A. (2009) "An Analysis of European Online micro-lending Websites", European Microfinance Network 6 th Annual Conference, Milan, Italie, 4-5 juin Ashta, A., Assadi, D. (2009) "Generating brand value in online Microfinance startups", 5 th International Colloquium Of The Academy Of Marketing's Brand, Corporate Identity And Reputation Special Interest Group, Cambridge, Royaume- Uni, 1-3 septembre Ashta, A., Assadi, D. (2009) "Online lending in India", University Meets Microfinance, Berlin, Allemagne, 7-8novembre Assadi, D., Ashta, A. (2009) "An Analysis of European Online micro-lending Websites", European Microfinance Network 6 th Annual Conference, Milan, Italie, 4-5 juin Assadi, D., Ashta, A. (2009) "How Do People Trust on Peer-to-Peer Lending Websites? Analysis of the Impacts of the Web 2.0 Technologies and Intermediation Roles", ICTIM 2009, Ghaziabad, Inde, février Assadi, D., Ashta, A. (2009) "P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups", CERMI Research Workshop, Mons, Belgique, 27novembre Hudon, M., Ashta, A. (2009) "Microfinance Interest Rates dynamics: Are fair prices derived from Rawls' basic principles of justice?", 2 nd International Workshop on Microfinance Management and Governance, Kristiansand, Norvège, 31 août-1er septembre 2009.

10 Ashta, A., Fall, N. S. (2009) "Institutional Analysis to understand the growth of Microfinance Institutions in West African Economic and Monetary Union", 4 th African Microfinance Conference, Ouagadougou, Burkina-Faso, 7-10 juillet Raimbault, S., Ashta, A. (2009) "Business perceptions of the new French regime on Auto-entrepreneurship: a risk-taking step back from socialism", 21 st Asian Pacific Conference, Las Vegas, USA, novembre Assadi, D., Ashta, A. (2008) "How Do People Trust on Peer-to-Peer Lending Websites? Impacts of the Web 2.0 Technologies on Trust Building in Microfinance", 10 e Journées d'économie Expérimentale, Dijon, France,15-16 mai Ashta, A. (2008) "A Brief Inventory of Behavioral Influences on the notion of Risk Adjusted Discount Rates in Project Appraisal", 10 e Journées d'économie Expérimentale, Dijon, France, mai Ashta, A. (2008) "A Discontinuous Marginal Revenue Curve and U-Shaped Supply Curve Explanation to Microcredit Capital Flows and Relative Interest Rate Determination", 20 th Asian Pacific Conference on International Accounting Issues (APC), Paris, France, 9-12 novembre Ashta, A. (2008) "How Can Beta be Saved in the Face of Loss Aversion?", 20 th Asian Pacific Conference on International Accounting Issues (APC), Paris, France, 9-12 novembre Ashta, A. (2008) "How does the Internet make retail investors become microfinance players?", Microfinance New Technologies Summit 2008, New Delhi, Inde, octobre Ashta, A., Bush, M. (2008) "Ethical issues of NGO principals in sustainability, outreach and impact of Microfinance: Lessons in governance from the Banco Compartamos' IPO", 1 st International Workshop on Microfinance Management and Governance, Kristiansand, Norvège 2-3 juin Ashta, A., Ernult, J. (2008) "Comment mesurer la performance sociétale et environnementale?", 20 th Asian Pacific Conference on International Accounting Issues, Paris, France, 9-12 novembre Ashta, A., Attuel-Mendès, L., Ditter, J.-G. (2008) "Another 'French paradox' : explaining why interest rates to microenterprises did not increase with the change in French usury legislation", European Microfinance Week, Luxembourg, novembre Attuel-Mendès, L., Ashta, A. (2008) "French Legislation and the Development of Credit Availability for Microenterprise", Global Conference on Business and Finance, Hawaii, USA, 9-12 janvier Barbe-Dandon, O., Didelot, L., Ashta, A. (2008) "Is There Need for Totally Disconnected Tax and Financial System? A Post IFRS Evaluation of Evolution of French Tax and Financial Reporting Relationship", 20 th Asian Pacific Conference on International Accounting Issues, Paris, France, 9-12 novembre Galia, F., Ashta, A., Corgnet, B., Sutan, A. (2008) "Team Formation Experiments: Differences In Inequality Aversion And Excessive Cooperation In Lab And Field Experiments", The International Association for Research in Economic Psychology / The Society for Advancement of Behavioral Economics conference, Rome, Italie, 3-6 septembre Ditter, J.-G., Attuel-Mendès, L., Ashta, A. (2008) "La Réforme de la Législation Française en matière d usure facilite-telle l'accès au crédit des Micro-Entreprises?", 20 th Asian Pacific Conference on International Accounting Issues, Paris, France, 9-12 novembre Ashta, A. (2007) "Corporate Social Responsibility in the Information Age of Dynamic Inter-systems Connectivity", Conference of the Information Resource Management Association (IRMA), Vancouver, Canada, mai Ashta, A., Ernult, J. (2007) "Comment mesurer la performance globale dans une société de service : le cas de la Caisse d'épargne de Bourgogne Franche Comté", 6 e Conférence Internationale de Gouvernance d'entreprise, Genève, Suisse, mai Ernult, J., Ashta, A. (2007) "How to measure Global Sustainable Performance in a service enterprise? A case study of Caisse d Epargne", The second International Conference on Services Management, New Delhi, Inde, 1-2 juin Sutan, A., Corgnet, B., Ashta, A. (2007) "The power of words in financial markets: a strategy experiment on soft versus hard communications", European ESA Meeting, Nottingham, Royaume-Uni, jour? septembre Working papers

11 Alia, H., Ashta, A., Ratsimalahelo, Z. (2013) "Time-Diary Research Method: Methodological Context, Evaluation and Applications", Les Cahiers du CEREN, n 42, pp Ashta, A., Estape-Dubreuil, G., Hedou, J.-P., Bourcieu, S. (2012) "Leçons d innovation sociale des micro-angels - étude de cas de l entrepreneuriat institutionnel du mouvement des CIGALES en France" Les Cahiers du CEREN, n 41, pp Assadi, D., Ashta, A. (2012), "Innovative Transposition of Trust mechanisms in Social Lending Groups from offline to online," Les Cahiers du CEREN, n 41, pp Ashta, A. (2011) "Co-creation for impact investment in microfinance", Les Cahiers du CEREN, n 37, pp Ashta, A., Attuel-Mendès, L., Ditter, J.-G. (2011) "Another French Paradox: Explaining why interest rates to microenterprises did not increase with the change in French usury legislation", Les Cahiers du CEREN, n 37, pp Ashta, A., Khan, S., Otto, P. (2011) "Does microfinance cause or reduce suicides? The need for support groups for males", Les Cahiers du CEREN, n 37, pp Attuel-Mendès L., Ashta A., Pic, E. (2011) "Micro-credit and religions: comparative perspectives", Les Cahiers du CEREN, n 37, pp Couchoro, M., Ashta, A. (2011) "Critère de sélection des clients dans les IMF : le cas de WAGES au Togo", Les Cahiers du CEREN, n 37, pp Ashta, A. (2010) "Evolution of Mobile Banking Regulations", Les Cahiers du CEREN, n 33, pp Ashta, A. (2010) "Preface to the Cahier Spécial du Ceren for the Conference on Institutional and Technological Environment for Microfinance Jan 7-8, 2010), New Delhi", Les Cahiers du CEREN, n 31, pp Ashta, A., Assadi, D. (2010) "P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups", Les Cahiers du CEREN, n 31, pp Ashta, A., Assadi, D. (2010), "Should online Micro-lending be for profit or for philanthropy? DhanaX and Rang De", Les Cahiers du Ceren, n 31, pp Ashta, A., De Selva, R. (2010) "Religious practice and micro-credit", Les Cahiers du CEREN, n 31, pp Allaire, V., Ashta, A., Attuel-Mendès, L., Krishnaswamy, K. (2009) "Institutional Analysis to explain the Success of Moroccan Microfinance Institutions", Les Cahiers du CEREN, n 29, pp Ashta, A. (2009) "Interest Rate ethics: an aspect of social performance in microfinance", Les Cahiers du CEREN, n 29, pp Ashta, A., Assadi, D. (2009) "A tale of two sites in India: DhanaX and Rang De. Should online Micro-lending be for profit or for philanthropy?", Les Cahiers du CEREN, n 29, pp Ashta, A., Assadi, D. (2009) "An Analysis of European Online micro-lending Websites", Les Cahiers du CEREN, n 29, pp Ashta, A., Assadi, D. (2009) "Does Social Lending incorporate Social Technologies? The use of Web 2.0 Technologies in online P2P lending", Les Cahiers du CEREN, n 29, pp Ashta, A., Assadi, D. (2009) "Generating brand value in online Microfinance startups", Les Cahiers du CEREN, n 29, pp Ashta, A., Assadi, D. (2009) "P2P Interaction Orientation and Brand Value Building in Online Social Lending Startups", Les Cahiers du CEREN, n 29, pp Ashta, A., Fall, N. S. (2009) "Institutional Analysis to understand the growth of Microfinance Institutions in West African Economic and Monetary Union", Les Cahiers du CEREN, n 29, pp Ashta, A., Hudon, M. (2009) "Does Rawlsian ethics validate Microfinance interest rates?", Les Cahiers du CEREN, n 29, pp

12 Ashta, A., Hudon, M. (2009) "To whom should we be fair? Ethical issues in Balancing Microfinance Stakeholder Interests from Banco Compartamos Case Study", Les Cahiers du CEREN, n 29, pp Ashta, A., Raimbault, S. (2009) "Business Perceptions of the new French regime on Auto-Entrepreneurship: a risktaking step back from socialism", Les Cahiers du CEREN, n 29, pp Attuel-Mendès, L., Ashta, A. (2009) "The truth, but not always the whole truth in Lending Laws", Les Cahiers du CEREN, n 29, pp Ashta, A. (2008) "How Can Beta be Saved in the Face of Loss Aversion?", Les Cahiers du CEREN, n 25, pp Barbe-Dandon, O., Didelot, L., Ashta, A. (2008) "Is There Need for Totally Disconnected Tax and Financial System? A Post IFRS Evaluation of Evolution of French Tax and Financial Reporting Relationship", Les Cahiers du CEREN, n 25, pp Ditter, J.-G., Attuel-Mendès, L., Ashta, A. (2008) "La réforme de la législation française en matière d usure facilite-t-elle l'accès au crédit des micro-entreprises?", Les Cahiers du CEREN, n 25, pp Ernult, J., Ashta, A. (2008) "Comment mesurer la performance sociétale et environnementale? Une étude de la crédibilité de la notation de la Caisse d'épargne par Vigeo", Les Cahiers du CEREN, n 25, pp Ashta, A. (2008) "A Brief Inventory of Behavioral Influences on the subjective Risk Adjusted Discount Rates in Project Appraisal", Les Cahiers du CEREN, n 24, pp Ashta, A., Bush, M. (2008) "Ethical issues of NGO principals in sustainability, outreach and impact of Microfinance: Lessons in governance from the Banco Compartamos' IPO", Les Cahiers du CEREN, n 24, pp Assadi, D., Ashta, A. (2008) "How Do People Trust on Peer-to-Peer Lending Websites? Impacts of the Web 2.0 Technologies on Trust Building in Microfinance", Les Cahiers du CEREN, n 24, pp Ashta, A., Assadi, D. (2008) "Do Social Cause and Social Technology Meet? Impact of Web 2.0 Technologies on peerto-peer lending transactions", Les Cahiers du CEREN, n 23, pp Ashta, A. (2007) "An Introduction to Microcredit: Why money is flowing from the rich to the poor", Les Cahiers du CEREN, n 21, pp Attuel-Mendes, L., Ashta, A. (2007) "La législation française en matière d usure et le développement de l'accès au crédit des microentreprises," Les Cahiers du CEREN, n 21, pp Ernult, J., Ashta, A. (2007) "Développement durable, responsabilité sociétale de l'entreprise, théorie des parties prenantes : Évolution et perspectives", Les Cahiers du CEREN, n 21, pp Ernult J., Ashta A. (2007) "Comment mesurer la performance globale dans une société de service? Le cas de la Caisse d'épargne", Les Cahiers du CEREN, n 21, pp Articles in professional journals Ashta, A. (2013) "Microangels and Microequity", European Microfinance Platform, Networking with the South, Winter, pp Ashta, A., Battaggia, S. (2013) "Evolution of Mobile Banking Regulations", Microfinanza, n 0, année 1, pp Ashta, A., Bumacov, V. (2012) "From social rating to seal of excellence: utility or futility?", Micro Dinero, 7 novembre 2012, Ashta, A., Barnett, B., (2012) "Top ten takeaways from the Microfinance Technology conference", Micro Dineiro, 24 juillet 2012, Ashta, A. (2012) "MFI Flex: A case study of a SaaS for Microfinance operator", Microfinance Focus, 13 septembre 2012, Ashta, A., (2012) "Technology and Microfinance: Cost issues, solutions and challenges", Microfinance Focus, 29 juin 2012,

13 Ashta, A. (2012) "Microfinance Technology Conference (Kuala Lumpur June 25-27)", Microfinance Focus, 26 juin 2012, Ashta, A. (2012) "How MIS raises sustainable growth: the case of SV Creditline", Microfinance Focus, 26 juin 2012, Ashta, A. (2012) "In favor of Self owned and Self Developed Systems for Microfinance: a case study of NWTF", Microfinance Focus, 26 juin 2012, Ashta, A., Bourcieu, S., Estapé-Dubreuil, G., Hédou, J.P. (2012) "Microangels and microequity: the missing ingredients of microfinance", Microfinance Focus, 19 mars 2012, Ashta, A. (2011) "Riskebiz: Co-Creating Value in the Investment Chain to Combine Finance and Technology to Enable the Poor to Get Out of Poverty", IGI Global Blog, Guest editorial post, 17 février 2011, poverty.aspx Ashta, A., Patel, J. (2011) "Is SaaS the Appropriate Technology for Microfinance", Micro Dinero, 2 décembre 2011, Ashta, A. (2011) "How can technology co-create value for Microfinance investors?", Microfinance Focus, 11 février 2011, Ashta, A., Assadi, D. (2010) "Microfinance: Towards a financial approach or a Return to a social approach", Microfinance Focus, 25 octobre Ashta, A., Assadi, D. (2010) "Rang De and online lending in India", Microfinance Focus, 8 février Ashta, A., Attuel-Mendès, L. (2010) "Report: Microfinance research workshop CEREN-CERMi", Microfinance Focus, on line, 25 mars Ashta, A. (2010) "An account of the Microfinance and New Technology summit in Marrakech", Microfinance Focus, 17 mars Ashta, A. (2010) "Does Microfinance Cause or Reduce Suicides?", Microfinance Focus, 6 novembre Ashta, A. (2010) "Mobile Payment Expo: Understanding the Mobile Payments Landscape", Microfinance Focus, 15 juin Ashta, A. (2010) "Social Business: How niche players can have a real impact", Microfinance Focus, 25 octobre Ashta, A., Chalamon, I., Demay, I. (2010) "A short History of Microfinance in Togo", Microfinance Focus, 2 octobre Ashta, A. (2009) "Africa prefers microfinance route to reach Millennium goal", Microfinance Focus, 10 juillet Press tribunes Ashta, A., Demay, I. (2012) "Le social business et le sexe des anges", Le Cercle Les Echos, 12 mars 2012, Ashta, A. (2010) "La microfinance ignore la crise", La Tribune, 3 juin 2010, Demay, I., Ashta, A. (2010) "L'Afrique face aux 'Escrocs des pauvres' ", La Tribune, 13 décembre 2010, Faculty Research Seminars Ashta, A. (2014) "Premières réflexions sur la globalisation de la microfinance", Quarterly conference of the Banque Populaire Chair in Microfinance of Burgundy School of Business, Dijon, France, 17 février 2014.

14 Ashta, A. (2013) "Slow Money: un modèle alternatif pour des investissements durables", Quarterly conference of the Banque Populaire Chair in Microfinance of Burgundy School of Business, Dijon, France, 11 décembre Ashta, A. (2013) "Latest Developments in the field of Microfinance", Seminar at GITAM university, Vishakapatnam, Inde, 31 juillet Ashta, A. (2013) "Strategic Innovation in SaaS delivery of MIS for Microfinance", Quarterly conference of the Banque Populaire Chair in Microfinance of Burgundy School of Business, Dijon, France, 27 mars Ashta, A. (2012) "Microfinance through Clubs and Cooperatives", Quarterly conference of the Banque Populaire Chair in Microfinance of Burgundy School of Business, Dijon, France, 28 septembre Ashta, A. (2012) "Co-creation for Impact Investment in Microfinance", CERMI Doctoral Seminar, Mons, Belgique, 29 mars Ashta, A., Bourcieu, S., Estapé-Dubreuil, G., Hedou, J-P. (2012) "Innovation lessons from a Social Movement? A Case study of the CIGALES movement in France", Quarterly conference of the Banque Populaire Chair in Microfinance of Burgundy School of Business, Dijon, France, 22 mars Bumacov, V., Constantinou, D., Cherkas, M., Ashta, A. (2012) "The 4 Ps of the MIS acquisition strategy in Microfinance", Financial inclusion in developed countries, Quarterly conference of the Banque Populaire Chair in Microfinance of Burgundy School of Business, Dijon, France, 22 mars Estape-Dubreuil, G., Ashta, A., Hedou, J.-P. (2012) "The Microangels of CIGALES: Who they are! What they are looking for!", Quarterly conference of the Banque Populaire Chair in Microfinance of Burgundy School of Business, Dijon, France,19 avril Ashta, A., Rani, M. (2010) "Evolution of Mobile Banking Regulation", Journée de recherche CEREN-CERMi, Dijon, France, 18 mars Professional conferences Ashta, A. (2013) "Another French social innovation: Cooperatives of Salaried Entrepreneurs", Canadian Council of Small Business Enterprises Conference conference onentrepreneurship Developing Communities, Victoria, Canada, 2-4 mai Ashta, A. (2013) "The Gandhian Roots of Slow Money", Slow Money 4 th National Gatherings, Boulder, Etats-Unis, avril Ashta, A., Khan, S. (2012) "Risk mitigation in Microfinance: The need for microequity", European Microfinance Week, Luxembourg, novembre Ashta, A. (2012) "Further into Microfinance", CIMA, Paris, France, 25 octobre Ashta, A., (2012) "SaaS for Microfinance: Priority Or Opportunity? Questioning Whether The Cloud Is A Viable Model For Microfinance", Hanson Wade Microfinance Technology Conference, Kuala Lumpur, Malaisie, juin Ashta, A., (2012) "How can technology lower Microfinance costs? (Introduction day 2)", Hanson Wade Microfinance Technology Conference, Kuala Lumpur, Malaisie, juin Ashta, A., (2012) "Innovative role of technology in microfinance (Introduction to the conference)", Hanson Wade Microfinance Technology Conference, Kuala Lumpur, Malaisie, juin Ashta, A., (2012) Animation du débat de la Confédération Générale des Petites et Moyennes Entreprises sur le thème "le micro crédit en France, tabou ou nécessité?", Nuits Saint Georges, France, 6 juin Ashta, A., Khan, S. (2011) "Operational culture in MFIs: Impacts and influences", European Microfinance Week, Luxembourg, 2-4 novembre Ashta, A. (2011) "Religion and Microfinance, with a focus on Hinduism", European Microfinance Week, Luxembourg, 2-4 novembre Ashta, A. (2011) "An Overview of Microfinance", Forum Économique du Tchad, N Djamena, Tchad, 7-9 janvier 2011.

15 Ashta, A., Bumacov, V. (2011) "Innovations pour le développement : SIG, prêts en lignes, Mobile banking, e-banking ", conférence par Oikocredit sur le Succès, innovations et dérives, Jouhe, France, 29 janvier Ashta, A. (2011) "Regulation and microfinance", Séminaire préparatoire au colloque G20 Workshop, Paris, France, 10 juin Ashta, A. (2011) "Microfinance crisis in India: The road ahead", Convergences 2011, Paris, France, 3-5 mai Ashta, A. (2010) "An overview of Regulations impacting Mobile Banking", Mobile Payment Expo, Paris, France, 9-10 Juin Ashta, A., Assadi, D. (2010) Participation à la table ronde "Finance responsable : les réponses des religions", Congrès "L'innovation économique et sociale en Bourgogne : le Social Business en action", Dijon, France, novembre Ashta, A. (2010) "Microfinance, Entrepreneuriat social, et Economie sociale et solidaire", Congrès "L'innovation économique et sociale en Bourgogne : le Social Business en action", Dijon, France, novembre Ashta, A. (2010) "MIS for Microfinance", 2 nd Microfinance and New Technologies Summit, Marrakech, Maroc, March Ashta, A. (2009) "Interest Rate ethics: an aspect of social performance in microfinance", European Microfinance Week, Luxembourg, novembre Ashta, A. (2008) "Panelist in session on C2C and B2B platforms: How does the Internet make retail investors become microfinance players?", Microfinance New Technologies Summit 2008, New Delhi, Inde, octobre Ashta, A., Attuel-Mendès, L., Ditter, J.-G. (2008) "Another 'French paradox': explaining why interest rates to microenterprises did not increase with the change in French usury legislation", European Microfinance Week, Abbaye Neumünster, Luxembourg, novembre Ashta, A. "Do Social Cause and Social Technology Meet? Impact of Web 2.0 Technologies on peer-to-peer lending transactions", Asia Microfinance Forum, Hanoi, Vietnam, août 2008 Ashta, A., Attuel-Mendès, L., Gallo, J., (2007), "Micro crédit : pour quoi, pour qui, comment?" Entreprissimo, Dijon, France, novembre 2007.