Reference Number RFP2404
Title Professional Consultancy Services for Diagnostic Study on the Financial Inclusion of Forcibly Displaced Persons (FDPs) in Tanzania
Duration February 2024 to June 2024
Thematic FDPs
Submission Deadline February 8, 2024
Posted on January 25, 2024
Download documents RFP Document

Annexure 1 - Technical Proposal Template

Annexure 2 - Financial Proposal Template

Conflict of Interest Disclosure Form

General TCs (Services)

Overview

1. Background:

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:

  • A diagnostic study on the level of financial inclusion of FDPs (refugees, asylum Seekers and host communities).
  • A roadmap for the inclusion of FDPs into the NFIF and mainstream financial inclusion policies.

 

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.

 

Rationale

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:

  1. Conduct stakeholders’ consultation meetings and/or workshops to map and gather ideas on financial inclusion barriers and gaps for FDPs as well as existing initiatives.
  2. Design and deploy demand- and supply-side survey questionnaires on the level of financial inclusion of FDPs and host communities.
  1. Undertake a policy and regulatory review on the financial inclusion of FDPs in Tanzania.
  1. Develop a diagnostic study report based on the data from the demand- and supply-side surveys and the policy and regulatory review to establish the level of financial inclusion of FDPs and submit it to BOT for approval (the report will indicate the level of financial inclusion of FDPs and their host communities, the barriers and gaps they face, and policy recommendations to address these challenges, including in the NFIF and mainstream financial inclusion policy).
  2. Present the findings and recommendations of the diagnostic study to a national consultative multi-stakeholder workshop for validation.
  3. Formulate a roadmap and its implementation plan for the inclusion of FDPs in the NFIF and mainstream financial inclusion policy, based on the diagnostic study.
  4. Present the roadmap and its implementation plan to a national consultative multi-stakeholder workshop for validation. 
  1. Organize a national multi-stakeholder dissemination and capacity building workshop for the roadmap.

 

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:

  • Inception meeting: preliminary consultations with the BOT team to agree on the scope of work, timelines, deliverables, partners (e.g., Government Ministries and Agencies, UNHCR, Ministry of Home Affairs, WFP, etc), support needed, and reporting process.
  • Consultation meetings and/or workshops with stakeholders: Engage and consult stakeholders to map and gather ideas on financial inclusion gaps and challenges for FDPs as well as existing initiatives. 
  • Demand- and supply-side survey questionnaires: The questionnaires should be designed in a way that it facilitates establishing the level of financial inclusion for FDPs and host communities. Indicators such as gender, age, disability, financial services knowledge, having an account in formal financial institutions (Banks, MFIs, SACCOs, MNOs, NDFIs), frequency of using an account, having a loan in formal financial institution, having an insurance policy, having a pension policy, having investments, savings and borrowing behaviors and some financial health indicators. The questionnaire should comprise of full identification of the person including Refugee ID if any, Refugee camp, etc. The questionnaires are to be approved by BOT.
  • Methodology for the deployment of the survey questionnaires.
  • Deployment of demand- and supply-side survey questionnaires on the level of financial inclusion of FDPs and host communities.
  • Policy and regulatory review on the financial inclusion of FDPs in Tanzania.
  • Consultation meetings and/or workshops with stakeholders to present initial results and gather feedback.
  • Diagnostic study based on the data from the demand- and supply-side surveys and the policy and regulatory review to establish the level of financial inclusion of FDPs and submit it to BOT for approval (the report will indicate the level of financial inclusion of FDPs and their host communities, the gaps and challenges they face, and policy recommendations to address these challenges, including through the NFIF and mainstream financial inclusion policy).
  • Validation workshop for diagnostic study: The consulting firm will support BOT and AFI in a national consultative multi-stakeholder workshop to present, consult, and validate the findings and recommendations of the diagnostic study.
  • Roadmap for the inclusion of FDPs in the NFIF and mainstream financial inclusion policy, based on the diagnostic study.
  • Validation workshop for the Roadmap and its implementation plan. The consulting firm will support BOT and AFI in a national consultative multi-stakeholder workshop to present, consult, and validate the recommendations of the roadmap and its implementation plan.
  • Dissemination and capacity building workshop. The consulting firm will organize and facilitate a dissemination and capacity building workshop for the Roadmap in collaboration with BOT and AFI.

 

5. Timeline and Deliverables:

The assignment is expected to be completed by the end of May 2023. Below is a tentative timeline:

No

Activity

Output/Deliverable

Tentative Timeline

1

Appointment of Consultant

Signed Agreement with Consultant

Feb 2024

2

Inception Meeting

Agreement on scope, expected deliverables, support needed, reporting and related timelines.

Feb 2024

3

Draft data collection tools (questionnaires to be used in the survey & Stakeholder Consultations)

Questionnaires drafted and approved

Mar 2024

4

Consultation meetings with stakeholders

Gather ideas on challenges and initiatives about FDPs’ financial inclusion

Mar 2024

5

Conduct a survey data collection on FDPs and host communities’ financial inclusion, conduct data analysis and prepare draft report.

Survey conducted and draft report produced

Mar 2024

6

Presenting initial results to stakeholders and gather feedback

Validation Workshop Report (Gather feedback and comments on draft report)

Apr 2024

7

Prepare a final report (diagnostic study) on financial inclusion level for FDPs and host communities, as well as policy recommendations, and submit to BOT for approval

Final Diagnostic Report produced and approved

Apr 2024

8

Formulate a roadmap for the inclusion of FDPs in the NFIS and mainstream financial inclusion policy

Roadmap developed

May 2024

9

Present roadmap to a national multi-stakeholder workshop

National multi-stakeholder capacity building workshop report

May 2024

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.

 

6. Travel:

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:

  • The applicants should be a consulting firm with a proven record in conducting research relating to financial sector development, financial inclusion, or related field. 
  • The consulting firm should have a team of experts that include statistics experts, technology experts and financial sector experts, with working knowledge of financial institutions and good understanding of existing financial innovations globally and particularly in Tanzania.
  • Good understanding of Tanzania financial sector (Banking, MFIs, MNOs, SACCOs and etc.), existing products and Tanzania’s Financial inclusion journey.
  • The consulting firm should have the capacity to deploy enumerators across the country (mainly in the Northwestern side of the country).
  • To have done similar exercises for similar group (s) of people and institutions is an added advantage.
  • The team leader should have at least 10+ years of relevant experience and hold a master’s degree in a relevant field.
  • Excellent writing and presentation skills in the English and local language.
  • Ability to communicate and interact with local people (rural communities and FDPs).
  • Ability to maintain and keep confidential information within the scope of the project.

 

8. Reporting:

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:

Deliverables

Percentage

Upon submission and acceptance of Inception Report

20%

Upon submission and acceptance of First draft diagnostic report

30%

Upon submission and acceptance of Final draft diagnostic report

30%

Upon completion of the Roadmap

20%

 

100%

 

10. Proposal Submission Information:

Proposals will be due with the following requirements for submission:

Submission Deadline:

8 February 2024

Documents to be submitted with Annexure 1 and 2:

Firm

·        Company Registration;

·        Company Profile;

·        List of previous or current clientele on similar work;

·        References with email contact;

·        Joint-Agreement (if any);

·        Conflict of Interest Disclosure form;

·        At least one (1) sample work (link or attachments) if any

Individual

·        Full CVs with list of previous similar work;

·        Disclosure if individual have a full time or part time employment contract with any organization or government official or indirect involvement in this tender;

·        Conflict of Interest Disclosure form;

·        Reference letter (if any);

·        References with email contact;

  • At least one (1) sample work (link or attachments) if any

 

Method of Submission:

By email to AFI’s Procurement & Contracts Office at

RFP2404@afi-global.org and Procurement@afi-global.org

 

Submission of Technical and Financial:

Kindly submit the followings:

1.    Using the template/format given in Annexure 1 (Technical) and Annexure 2 (Financial) and/or additional technical proposal for more information.

2.    Technical and Financial proposal must be separated in different pdf.

3.    Financial proposals must be USD only. Whereas for Malaysian applicants with Business Registration under Suruhanjaya Syarikat Malaysia (SSM), please submit your financial proposals in MYR.

4.    Proposal to be submitted to the designated email address.

5.    AFI does not tolerate copyright infringement, including but 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.

AFI is not bound to accept the lowest quoted bid and reserves the right to disqualify incomplete submission, overlapping submission, non-compliance to the above requirements. Notification of results will only be sent to shortlisted candidates upon completion. 

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:

 

Technical Scoring Criteria

 

1.    

Profile and Overall Qualification

10%

2.    

Technical Experience

40%

 

·        Adequacy for the assignment

20%

 

·        Regional/Global experience

20%

3.    

Adequacy of proposed workplan and methodology

40%

 

·       Technical approach and research methodology

20%

 

·       Workplan (include Level of Effort of team/individual)

20%

4.     

Sample Work – Relevance to assignment and demonstrated experience in writing

10%

 

Total

100%

 

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 rfp2404@afi-global.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.

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