Anne Rappoldt


Anne Rappoldt is an advisor financial inclusion at KIT Royal Tropical Institute, a position she has held since March 2017. She supports KIT’s global financial inclusion advisory work with development finance institutions, commercial banks, funds, and impact investors in the public and private sector.

Her financial inclusion works focuses on improved access to and use of financial services by different client segments, such as entrepreneurs or farmers, with special attention to women and youth. As co-author of the paper ‘Beyond access: exploring gender-transformative approaches to financial inclusion’, she approaches financial inclusion as beyond ‘access to finance’ or outreach only. When introducing a product or service in a market, it is introduced in an eco-system of rules and inequalities; so much so that different people may end up with different opportunities, even though they may have the same access to that product or service. For financial inclusion to be impactful, constraints at both the demand and supply side need to be addressed. Anne specialises in helping financial institutions to understand the specific needs and preferences of different client segments related to financial, non-financial, and digital products and services.

Anne also has working experience in the field of inclusive business. For example, she conducted a study on agribusiness-based advisory services, collecting insights and understanding into best practices around the globe. She was also closely involved in an evaluation commissioned by the Dutch Ministry of Foreign Affairs, on the Dutch International Responsible Business Conduct (IRBC) Agreements, where she was leading the evaluation of the banking, insurance and pensions sectors. She also supported value chain assessments in a number of sectors, including tilapia, potato and seeds.

Anne is known for her analytical skills and structured data collection and analysis in qualitative methods as well as her ability to translate research findings into practical recommendations.

Her field work experience spans Uganda, Kenya, Rwanda, Zambia, Ghana, India, Myanmar and Surinam. She has a Bachelor’s degree in International Development Economics and a Master’s in Supply Chain Management, both from Wageningen University.