Emmanuelle Javoy Emmanuelle Javoy is the Managing Director of Planet Rating. By Emmanuelle Javoy Research02 July 2014 SmartAid Index 2014 This Technical Guide is aimed at funders interested in analyzing their effectiveness in financial inclusion. It describes the methodology of the SmartAid Index and explains how to use SmartAid. Blog07 August 2013 Introducing MIMOSA: Microfinance Market Capacity Measurement Tool The MIMOSA is a knowledge tool to estimate credit penetration in markets across the world.