Terms of Reference

Conducting a Financial Inclusion Analyses for Palestine

Background

We Effect is a development cooperation organization founded in 1958 by the Swedish cooperative movement with the aim of fighting poverty. We Effect’s mission is to enable people living in poverty to improve their living conditions, defend their rights and contribute to a just society. We Effect works in the thematic fields of sustainable rural development and adequate housing with a strong focus on women’s rights.
The target groups for our development cooperation are our partner organizations and their existing and potential members. We Effect applies a rights-based approach. This means that our development activities are developed in dialogue with our partner organizations, with strong local ownership, characterized by accountability, transparency, non-discrimination, and meaningful participation. We Effect works in more than 20 countries in Africa, Asia, Europe, and Latin America in 13 regional or country programmes. The partnership approach is supported by the strong local presence through regional and country offices.

We Effect is currently implementing the “Equality First in Palestine” Palestine Country Programme 2019-2022 and the Environmental Climate Justice Programme (ECJP) 2020-2023. The Palestine Country Programmes are focused on sustainable rural development and cooperative development and the country office strategic working areas are organizational development, business, environmental climate change resilience (ECCR), and production development, gender equality, financial inclusion and civil society strengthening. The cooperative model is used to mobilize rights holders and work towards socio-economic development. The programme is a platform to promote dialogue, synergies, and cooperation between the partner organizations in the programme and other stakeholders in order to influence and advocate for change. The programme operates in the West Bank including area C, and East Jerusalem.

Objective of the Assignment

The main objective of the assignment is to conduct a financial inclusion analysis on a country level with a focus on right holders; especially women and youth related to improving their financial literacy, utilisation of financial products, planning personal and/or cooperative finances as well as needs to advocate for rights to economic resources.   

The analyses should provide basis for development of framework for activities in the We Effect Palestine 2023-2027 and the respective projects.

Expertise required

The consultant(s)/team who will carry out this assignment must have demonstrated expertise in financial services to rural finance and show proof (sample) their working experience when submitting proposal.  The consultant(s)/team should be well familiar with cooperatives and cooperatives development, social enterprises business and services development, as well as organisational development. The consultant/s should be fluent in both Arabic and English language. It is also important that the consultant/s are totally independent from project partners, its staff, land members.

Preferably, the financial inclusion analyses should be carried out by consultant(s)/team experienced in:

- Approaches for financial inclusion of the target group

- Work with Non-Governmental Organisations

- Agriculture and related rural development fields

- Institutional framework for financial inclusion

- Entrepreneurship

- Donor’s development projects

- Research in the fields of finance, economy and/or needs of farmers, rural inhabitants and other vulnerable groups

  Applications Submission

Applications MUST include:

1. Technical offer:
   1. The consultant’s legal name and official registration documents,
   2. The implementing team members, their appointed roles and responsibilities, and their resumes (with references) illustrating the related experiences in response to the requested qualifications,
   3. Implementation work plan, (see point # 5 above)
   4. Description of the approach, methodology applied and short assignment analysis.
   5. Two examples of studies/reports similar to this assignment.
2. Financial offer: Should be submitted in ILS including VAT, taxes and transportation.
3. Financial offer should be per working day.
4. Proposal should be submitted by email to [email protected] as PDF file, signed and stamped.
5. Deadline for submission is 16:00, August 15, 2022.

Term of Reference can be downloaded from here: Term of Reference