Transforming
Household Resilience In Vulnerable Environments (THRIVE)
Household Resilience In Vulnerable Environments (THRIVE)
Terms
of Reference for Financial Literacy Training to 150 entrepreneurs and Small
holder farmers
of Reference for Financial Literacy Training to 150 entrepreneurs and Small
holder farmers
1.
Background
Background
VisionFund
Rwanda is a subsidiary of VisionFund International and one of the largest
deposit taking MFIs in Rwanda whose mission is to provide financial and
non-financial services to underprivileged rural communities. As a World Vision
organisation, our mission is to serve the underprivileged in deep rural areas.
Ninety percent of our field officers’ work is spent in rural areas meeting
potential clients and groups.
Rwanda is a subsidiary of VisionFund International and one of the largest
deposit taking MFIs in Rwanda whose mission is to provide financial and
non-financial services to underprivileged rural communities. As a World Vision
organisation, our mission is to serve the underprivileged in deep rural areas.
Ninety percent of our field officers’ work is spent in rural areas meeting
potential clients and groups.
Our
goal is to help poor people in Rwanda care for their children. O
goal is to help poor people in Rwanda care for their children. O
ur microfinance
services enable them to build the foundations they need to bring themselves out
of poverty. Our clients use their loans to develop and expand their businesses.
This leads to additional income for their families and the communities in which
they live.
2.
Project Rationale
Project Rationale
Our
goal is to help poor people in Rwanda care for their children. Our microfinance
services enable them to build the foundations they need to bring themselves out
of poverty. Our clients use their loans to develop and expand their businesses.
This leads to additional income for their families and the communities in which
they live.
goal is to help poor people in Rwanda care for their children. Our microfinance
services enable them to build the foundations they need to bring themselves out
of poverty. Our clients use their loans to develop and expand their businesses.
This leads to additional income for their families and the communities in which
they live.
Under
their Role of Financial linkage to World Vision (WV) THRIVE project Program
participants, VisionFund Rwanda has identified financial literacy as
prerequisite for THRIVE success.
their Role of Financial linkage to World Vision (WV) THRIVE project Program
participants, VisionFund Rwanda has identified financial literacy as
prerequisite for THRIVE success.
THRIVE
will apply the WVI Theory of Change which shows that family-level change is
foundational to sustained improvement in child well-being. These include
‘families have sustained economic well-being’, ‘families’ basic needs are met’,
‘sustained household resilience’, and ‘sustainable management of natural
resources’. In order to achieve this, parents and caregivers must be able to
survive, adapt and thrive, thereby providing sustainably for their children.
will apply the WVI Theory of Change which shows that family-level change is
foundational to sustained improvement in child well-being. These include
‘families have sustained economic well-being’, ‘families’ basic needs are met’,
‘sustained household resilience’, and ‘sustainable management of natural
resources’. In order to achieve this, parents and caregivers must be able to
survive, adapt and thrive, thereby providing sustainably for their children.
WV’s
Resilience Theory of Change advocates that, as a result of resilience,
household/families are able to Absorb shocks and stresses, Adapt to
a changing context, and Transform risk into opportunities. Given the
significant growth in vulnerability seen in our ADPs as a result of climate
change, WV now promotes Resilience and Livelihoods (R&L) programming
approaches that integrate economic development, resilience, food and livelihood
security, agriculture, environmental. A core component of building improved and
resilient livelihoods under certain circumstances is sustainable access to
financial services, which is provided by WV through savings groups and by
VisionFund Rwanda.
Resilience Theory of Change advocates that, as a result of resilience,
household/families are able to Absorb shocks and stresses, Adapt to
a changing context, and Transform risk into opportunities. Given the
significant growth in vulnerability seen in our ADPs as a result of climate
change, WV now promotes Resilience and Livelihoods (R&L) programming
approaches that integrate economic development, resilience, food and livelihood
security, agriculture, environmental. A core component of building improved and
resilient livelihoods under certain circumstances is sustainable access to
financial services, which is provided by WV through savings groups and by
VisionFund Rwanda.
3.
Objective of the training.
Objective of the training.
- To
provide a set of skills and knowledge that will allow entrepreneurs and
smallholder farmers to understand the financial principles they need to
know to make informed financial decisions, and financial products that
impact their financial well-being.
4.
Scope of Work
Scope of Work
The
training under THRIVE Programme will mainly focus on Nyaruguru, Nyamagabe, Huye
and Gakenke Districts of Rwanda. It will cover Mudasomwa, Karaba and Nyamagabe
APs in Nyamagabe District, Maraba and Simbi APs in Huye, Nyaruguru AP in
Nyaruguru district, Kivuruga and Nyarutovu APs in Gakenke District. The APs in
Nyamagabe, Nyaruguru and Huye were covered by Inzozi Nziza Project which
initiated Economic development interventions through Value chain development,
access to finance by smallholder farmers, ICT for development and
Organizational capacity building of Farmers cooperatives. THRIVE Programme will
build on achievements of Inzozi Nziza Project for more impact and
sustainability. In Gakenke District, THRIVE Programme will serve as scaling up
tools of great achievements and lessons learnt from Inzozi Nziza Project in
Southern Province.
training under THRIVE Programme will mainly focus on Nyaruguru, Nyamagabe, Huye
and Gakenke Districts of Rwanda. It will cover Mudasomwa, Karaba and Nyamagabe
APs in Nyamagabe District, Maraba and Simbi APs in Huye, Nyaruguru AP in
Nyaruguru district, Kivuruga and Nyarutovu APs in Gakenke District. The APs in
Nyamagabe, Nyaruguru and Huye were covered by Inzozi Nziza Project which
initiated Economic development interventions through Value chain development,
access to finance by smallholder farmers, ICT for development and
Organizational capacity building of Farmers cooperatives. THRIVE Programme will
build on achievements of Inzozi Nziza Project for more impact and
sustainability. In Gakenke District, THRIVE Programme will serve as scaling up
tools of great achievements and lessons learnt from Inzozi Nziza Project in
Southern Province.
It
is expected that 150 entrepreneurs and smallholder farmers will initially be
trained on financial literacy, at the end of the training, trainees are
expected to be equipped with a set of skills and knowledge that will allow them
to understand the financial principles they need to know to make informed
financial decisions, and financial products that impact their financial
well-being
is expected that 150 entrepreneurs and smallholder farmers will initially be
trained on financial literacy, at the end of the training, trainees are
expected to be equipped with a set of skills and knowledge that will allow them
to understand the financial principles they need to know to make informed
financial decisions, and financial products that impact their financial
well-being
5.
Key deliverables
Key deliverables
1.
Kick off session with VFR management team to establish expectations and
strategy and organizational priorities on financial education.
2. Conduct a training needs assessment to highlight gaps in
client financial education through focus groups discussions and loan officers’
examination; moreover, estimate the expected training intervention tools and
their cost e.g. group sessions, field training, edutainment, etc.
3. Coordinate with VFR staff to develop a framework for
financial education training modules (participant’s and trainer’s manuals). The
framework should clearly outline the content, training methodology, target
group (staff, client, and client category), time frame, impact measurement,
delivery mechanism and means for dissemination.
4. Work with VFR’s designated key personnel to develop,
customize and adapt all training modules and methodology to the different
context and clients which may include the following customizations:
a) Use of intuitive graphic instruments that transfer
knowledge and skills to the very poor people, including those who cannot read
or write.
b) Alignment of education with VFR methodology i.e. type of
products, delivery channels and language.
The modules will be designed for adult learning (andragogy) and include at
least the following:
Kick off session with VFR management team to establish expectations and
strategy and organizational priorities on financial education.
2. Conduct a training needs assessment to highlight gaps in
client financial education through focus groups discussions and loan officers’
examination; moreover, estimate the expected training intervention tools and
their cost e.g. group sessions, field training, edutainment, etc.
3. Coordinate with VFR staff to develop a framework for
financial education training modules (participant’s and trainer’s manuals). The
framework should clearly outline the content, training methodology, target
group (staff, client, and client category), time frame, impact measurement,
delivery mechanism and means for dissemination.
4. Work with VFR’s designated key personnel to develop,
customize and adapt all training modules and methodology to the different
context and clients which may include the following customizations:
a) Use of intuitive graphic instruments that transfer
knowledge and skills to the very poor people, including those who cannot read
or write.
b) Alignment of education with VFR methodology i.e. type of
products, delivery channels and language.
The modules will be designed for adult learning (andragogy) and include at
least the following:
a.
Financial Planning: Preparation and follow-up of a budget on incomes and
expenditures;
b. Credit: Debt management and comparison of debt
alternatives;
c. Saving: Setting and management of savings goals;
d. Consumer Rights: Financial negotiations with the lending
institutions;
e. Financial Services: General knowledge of the different
financial services/products available such as savings, receipt of remittances,
insurance among others.
5. Test modules during one customer and one staff workshop,
and make required adjustment for roll out. To ensure sustainability of all
training measures, the Consultant will carry out training of trainers (ToT)
sessions or on site training of 150 entrepreneurs and Small Hodler farmers and
mentoring on the field to the designated personnel of VFR who will then be taking
over part-time training responsibilities in order to train further loan
officers and farmers on their own in the future.
Financial Planning: Preparation and follow-up of a budget on incomes and
expenditures;
b. Credit: Debt management and comparison of debt
alternatives;
c. Saving: Setting and management of savings goals;
d. Consumer Rights: Financial negotiations with the lending
institutions;
e. Financial Services: General knowledge of the different
financial services/products available such as savings, receipt of remittances,
insurance among others.
5. Test modules during one customer and one staff workshop,
and make required adjustment for roll out. To ensure sustainability of all
training measures, the Consultant will carry out training of trainers (ToT)
sessions or on site training of 150 entrepreneurs and Small Hodler farmers and
mentoring on the field to the designated personnel of VFR who will then be taking
over part-time training responsibilities in order to train further loan
officers and farmers on their own in the future.
6.
Deliver approved training to VFR team considered as TOTs in this case.
The Consultant will facilitate at least one training and co-train with trained
trainers to monitor and coach delivery of modules.
7. Support and advise VFR’s staff in the development of roll
out strategy of the financial education program.
Deliver approved training to VFR team considered as TOTs in this case.
The Consultant will facilitate at least one training and co-train with trained
trainers to monitor and coach delivery of modules.
7. Support and advise VFR’s staff in the development of roll
out strategy of the financial education program.
6.
Time frame for the project
Time frame for the project
The
time frame for this training will be two weeks from the time the consultant
will sign the contract.
time frame for this training will be two weeks from the time the consultant
will sign the contract.
7.
Competencies Required
The following key competences are required to quality for implementing this
assignment:
– Comprehensive knowledge and application of Microfinance
industry best practices
– Track record of at least 3years in the provision of high
quality Financial literacy Training
– Track record of team management and project steering skills
– Proven understanding of the Rural and Agricultural
Financial Services in Rwanda.
Competencies Required
The following key competences are required to quality for implementing this
assignment:
– Comprehensive knowledge and application of Microfinance
industry best practices
– Track record of at least 3years in the provision of high
quality Financial literacy Training
– Track record of team management and project steering skills
– Proven understanding of the Rural and Agricultural
Financial Services in Rwanda.
8.
Application process and requirements.
Application process and requirements.
Interested
and qualified individuals/firms should submit their applications addressed to the
Chief Executive Officer the bidding document should include the following:
and qualified individuals/firms should submit their applications addressed to the
Chief Executive Officer the bidding document should include the following:
1.
References for completion of similar work.
References for completion of similar work.
2.
Detailed Curriculum Vitae (Individuals or Firms)
Detailed Curriculum Vitae (Individuals or Firms)
3.
Proposed implementing plan for the assignment
Proposed implementing plan for the assignment
4.
Technical offer
Technical offer
5.
Financial offer
Financial offer
Note
that technical offer and financial offers ought to be submitted in different
sealed envelopes.
that technical offer and financial offers ought to be submitted in different
sealed envelopes.
Please
quote “Transforming Household Resilience In Vulnerable Environments
(THRIVE)” on the subject line.
quote “Transforming Household Resilience In Vulnerable Environments
(THRIVE)” on the subject line.
Applications
should be sealed in 2 separate envelops; one for Technical offer and another
for Financial offer, to be deposited at VFR –Head office at
Muhima, no later than 18/ 09/2017 at 5:pm local time. For
further information e mail on recruitment@vfcrwanda.rw
or call 0788 761 806 /0788 428 268
should be sealed in 2 separate envelops; one for Technical offer and another
for Financial offer, to be deposited at VFR –Head office at
Muhima, no later than 18/ 09/2017 at 5:pm local time. For
further information e mail on recruitment@vfcrwanda.rw
or call 0788 761 806 /0788 428 268
Done
at Kigali on 12/09/2017
at Kigali on 12/09/2017
VFR
Management
Management
