Daryl Collins conceived and directed the most recent version of the financial diaries in South Africa and is a senior associate at Bankable Frontier Associates in Boston. Jonathan Morduch is professor of public policy and economics at New York University and coauthor of "The Economics of Microfinance". Stuart Rutherford is the author of "The Poor and Their Money", and founder of SafeSave, a microfinance institution in Bangladesh. Orlanda Ruthven recently completed a doctoral degree in international development at the University of Oxford and lives in New Delhi.