"As societies build walls of separation between communities,
ICAAD works to remove each brick to illuminate our common humanity"

Jyoti Diwan


Jyoti Diwan is a country liaison at an online microfinance organization that helps borrowers from the third world countries borrow at low cost. In addition to advising ICAAD, she also serves as a treasurer/financial advisor at a nonprofit that seeks to end religious child maltreatment by raising awareness of this issue through educational programs. She is a finance enthusiast and also enjoys the satisfaction of giving back to society.

Jyoti was born and raised in India and moved to the U.S. a few years back. She has Masters in Business Administration with specialization in Finance and Bachelors in Economics with Honors. She has over 7 years of experience in various finance related domains in organizations of various scales. Most of this experience was as a financial research analyst with a hedge fund. Jyoti is a movie buff who loves to spend time with her husband and toddler.


On May 17, 2019, ICAAD Advisor Erin Thomas’ publication: Compacts of Free Association in FSM, RMI, and Palau: Implications for the 2023-2024 Renewal Negotiations (hrbrief.org/2019/03/compacts-of-free-association-in-fsm-rmi-and-palau-implications-for-the-2023-2...) was cited by the President of Palau, Tommy Remengesau Jr., in an op-ed published in The Hill (thehill.com/blogs/congress-blog/foreign-policy/444291-pacific-defense-pact-renewal-vital-to-the-u...). In her piece, Erin points to critical issues stakeholders have raised regarding human trafficking, adoption policies, and COFA migrant rights among other important human rights issues.

Some of the above-mentioned policy gaps span several of the Sustainable Development Goals (SDG), particularly 10 (reduced inequalities) and 17 (partnership for the goals). Holistically, the existing COFA agreements represent the type of inequity that SDG 10 seeks to address. SDG 17 promotes inclusive and participatory decision-making at the international, national, and local levels. Developing transparency on both sides will allow for a more equitable process and outcome for the renewal negotiations.

The issues within the existing agreements also involve SDG 16 (peace, justice, and strong institutions) and limited access to justice regarding redress for nuclear testing and environmental destruction. This impacts targets and indicators including SDG 13 (climate action) and SDG 3 (good health and well-being). Finally, SDG 10 and 8’s targets for responsible migration policies are important considering the limited provisions for COFA migrants in the U.S. and U.S. territories.
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