|Professional Consultancy Services for Diagnostic Study on the Financial Inclusion of Forcibly Displaced Persons (FDPs) in Tanzania
|February 2024 to June 2024
|February 8, 2024
|January 25, 2024
Annexure 1 - Technical Proposal Template
Annexure 2 - Financial Proposal Template
Conflict of Interest Disclosure Form
General TCs (Services)
The Alliance for Financial Inclusion
The Alliance for Financial Inclusion (AFI) is the world’s leading organization on financial inclusion policy and regulation. Currently, 84 member institutions make up the AFI network including central banks, ministries of finance and other financial policymaking or regulatory institutions from over 76 developing countries and emerging markets. AFI empowers policymakers to increase the access and usage of quality financial services for the underserved through sustainable and inclusive policies and an effective use of digital technologies.
Policies developed and implemented by AFI members contribute to a range of the Sustainable Development Goals. By Setting their own agenda, AFI members harness the power of peer learning to develop practical and tested policy reforms that enhance financial inclusion with strategic support from both public and private sector partners.
AFI has 7 Working Groups (WG): Consumer Empowerment and Market Conduct Working Group (CEMCWG), Digital Financial Services Working Group (DFSWG), Financial Inclusion Data Working Group (FIDWG), Financial Inclusion Strategy Peer Learning Group (FISPLG), Global Standards Proportionality Working Group (GSPWG), Inclusive Green Finance Working Group (IGFWG) and SME Finance Working Group (SMEFWG),
As the key source of policy developments and trends in financial inclusion and as the primary mechanism for generating and incubating technical content in the network, the Working Groups serve as “communities of practice”. Providing a platform for knowledge exchange and peer learning among policymakers to share, deliberate and deepen their understanding, the working groups offer leadership and expertise in their respective policy fields and support the network to monitor new developments in emerging fields.
The knowledge generated via the working groups is disseminated for implementation by a range of capacity building activities such as Joint Learning Programs, Member Trainings, Trainings by Private Sector Partners. The practical experience members garner from engaging in peer learning based capacity building is then applied by members as in country implementation projects which are supported by the provision of financial or technical support to AFI member institutions in conducting activities that aim to deliver financial inclusion policies, regulations, supervisory tools or enablers for the development of policies, such as national financial inclusion strategies.
The working groups receive strategic guidance and insight from the High-Level Global Standards & Policy Committee, while the Gender Inclusive Finance Committee, supports WGs in integrating gender considerations into all aspects of their work and support members in fulfilling their Denarau Action Plan (updated 2022) commitment to promote women’s financial inclusion.
AFI members have made further commitments in a range of other accords which can be read here.
The AFI’s five regional initiatives complete the AFI platform of services by supporting policy implementation in Africa (AfPI), Latin America and the Caribbean (FILAC), the Pacific Islands (PIRI), Eastern Europe and Central Asia (ECAPI) and the Arab Region (FIARI).
2. Project Background:
BANK OF TANZANIA (BOT)
[This section describes the country landscape, context of the assignment from Bank of Tanzania’s (BOT) perspective and any other information that might be helpful and related to the consultancy assignment]
UNHCR has been working in Tanzania for the past five decade when there was an influx of Burundian in 1972 due to civil war. Over the years, Tanzania has been generous to host FDPs from Burundi, Democratic Republic of Congo and other countries. As of July 2023, there were 250, 522 FDPs, 54.9% live in the Nyarugusu camp (860km from Dodoma) and 28.8% live in Nduta camp (912km from Dodoma) refugee camps. There are 140, 059 Burundians, 88, 445 Congolese, and 511 FDPs from other countries.
The Government of Tanzania through “the Ministry of Home Affairs works with humanitarian partners and works closely with UN agencies through the UN Assistance Development Plan as well as the UN Kigoma Joint Programme aimed at supporting refugees and their host communities as well as strengthening the link between humanitarian and development initiatives.” UNHCR coordinates all humanitarian work in addition to working with other humanitarian partners. “UNHCR Tanzania has made an important transition from a relatively stable care-and-maintenance operation to a dynamic operation which aims to find a dignified solution for each refugee.”
With the focus now shifting towards ensuring that refugees can participate actively in the economy, it is then of paramount importance that they also access formal financial services and products so as to take advantage of economic opportunities that will improve their well-being and those within their household
3. Overall Objective:
To promote financial inclusion, The Government of Tanzania through the National Financial Inclusion Council implemented the National Financial Education Framework (2016 -2020) and National Financial Inclusion Framework (NFIF) I & II. Recently, The National Financial Inclusion Council has launched the NFIF III (2023 – 2028) targeting women, youth, persons with disability, smallholder farmers and MSMEs. In all frameworks, FDPs are not explicitly targeted thereby rendering them financially excluded. Likewise, The Ministry of Home Affairs developed the national refugee policy and under the welfare section doesn’t clearly indicate how FDPs can be financially included.
In August 2017, the UNCDF team in Tanzania launched a programme in partnership with UNHCR and international and local NGOs, to deepen the access to finance in the Nyarugusu refugee camp through savings groups, digital and financial literacy interventions, and advocacy. UNCDF placed a major focus on the inclusion of women and youth in the design of all its interventions. A financial literacy toolkit was developed and implemented. Savings groups were leveraged in the programme to deliver the learning programs and offer the much-needed financial services. These are some of the interventions that have made impact and should be scaled up going forward. Many stakeholders can easily be engaged when FDPs are included in the National financial inclusion frameworks.
Therefore, this assignment will contribute to BOT’s effort to ensure that no one is left behind in the pursuit of full financial inclusion, with the objective of producing:
3.1 Project Components
3.1.1 Diagnostic study on the level of financial inclusion of FDPs and Roadmap for the inclusion of FDPs into the NFIF and mainstream financial inclusion policy.
Currently, FDPs are not sufficiently addressed in Tanzania’s national financial inclusion policies and initiatives, and are at risk of being left behind in the pursuit of full financial inclusion and sustainable development. There is no financial inclusion data on FDPs which makes it difficult for authorities to design policies for their inclusion, limited multi-stakeholder coordination to advance their financial inclusion, and a lack of appropriate financial products and services for their unique needs. Recently, Tanzania launched its finscope survey report (2023) and FDPs were not included in the survey and consequently, they have not been explicitly targeted in the NFIF (2023 – 2028). In order for Tanzania to achieve full financial inclusion that truly leaves no one behind, the FDPs residing within the jurisdiction need to be addressed so that they can similarly enjoy access to and usage of quality formal financial services which is a fundamental right for people to engage actively and participate in the economy. This is particularly important for a population segment that is excluded not just from the formal financial system, but also social protection systems, unlike citizens.
The BOT and AFI are seeking a reputable and experienced consulting firm to conduct a diagnostic study on the level of financial inclusion of FDPs and their host communities in Tanzania. The purpose is to develop and publish a report on the level of financial inclusion of FDPs and their host communities by building on existing initiatives, identifying barriers and gaps, and formulate a Roadmap for FDP financial inclusion which will present policy recommendations to the BOT and other key national stakeholders, including for integration into the NFIF and mainstream financial inclusion policy. The diagnostic study will ensure evidence-based financial inclusion policies for FDPs in Tanzania, and will promote coordination among key stakeholders to discuss existing initiatives for and barriers to the financial inclusion of FDPs.
The main activities under this assignment:
4. Scope of Work:
The consulting firm is expected to produce a diagnostic study report on the financial inclusion level of FDPs and their host communities in, and a roadmap with its implementation plan for the inclusion of FDPs into the NFIF and mainstream financial inclusion policy. This should cover both FDPs (Refugees and Asylum Seekers who are in camps and residing in communities) and host communities.
The following sets out the scope of work and specific deliverables under this brief:
5. Timeline and Deliverables:
The assignment is expected to be completed by the end of May 2023. Below is a tentative timeline:
During the assignment, BOT and AFI teams will closely oversee, guide, and support the consulting firm by sharing internal expertise; linking them with key stakeholders; assisting in arranging the consulting firm’s communications; and providing inputs to deliverables. This assignment is expected to involve extensive data analysis and interaction with key stakeholders.
This consultancy work requires domestic/regional/international travelling to support the implementation of the survey and national multi-stakeholder consultative workshops. Please include budgeting for survey- and workshop-related organization and travel in your financial proposal. The estimated travel expenses should be included with breakdown of the flight, accommodation, per diem whenever relevant and will be capped as reference for further evaluation and contract award.
7. Consultant Experience:
Throughout the contract period, the consultant will be reporting to the Project Lead from BOT supported by the Technical Lead from the AFI team supporting this assignment.
9. Payment Terms:
The payment terms/schedule proposed for this consultancy are as following:
10. Proposal Submission Information:
Proposals will be due with the following requirements for submission:
10.1 Retention of Proposals
All proposals submitted become the property of AFI. AFI will make all reasonable efforts to maintain proposals in confidence and will release proposals only to personnel involved with the evaluation of the project. Proprietary information should be identified in each proposal.
11. Evaluation Criteria
The proposals submitted will be evaluated based on the following criteria:
Evaluation of technical and financial proposals
AFI reserves the right to award the most suitable proposal based on the evaluation of combined criterion, where bidders are qualified by the combined valuation of the technical and financial proposals, with the following weightage:
i) Technical Proposal: 70% (Seventy percent)
ii) Financial Proposal: 30% (Thirty percent)
How to Apply
Interested applicants are expected to submit a proposal with an updated CV and using the template given by email to AFI’s Procurement & Contracts Office at firstname.lastname@example.org by 8 February 2024.
Note: AFI does not tolerate copyright infringement, including and not limited to infringement, in the form of plagiarism. Consultant or consulting entity awarded a contract by AFI shall take responsibility to ensure that the authored works, produced in parts or as an entirety of the deliverables stated in this RFP does not infringe on copyrights.
The final decision on the selection of a consultant/consulting firm for this project rests with AFI management team and with the Inquiry. Only shortlisted and successful consultants will be contacted.