Tom Gibson has been both a pioneer and a leader in the area of non-asset-based investment for SMEs. Tom is former chairman and a current director of the Small Enterprise Assistance Funds (SEAF), a Washington, D.C.-based, international development finance organization which manages locally operating SME investment funds in more than a dozen countries. Tom is a frequent speaker at international forums, seminars and business schools on SME development and venture capital for developing countries. During the past year, on behalf of the Institute, he has been active as an advisor in assisting the establishment or operations of SME funds worldwide in diverse venues including India, Oman, Armenia, Central Asia, and Haiti. He has worked in more than 50 countries, on five continents, and has performed interviews and/or analysis on more than 500 SMEs. He holds a bachelor's degree from the University of the South and a master's from the University of Virginia.