Background:
Study shows that most Indonesians still do not have access
to banking and other financial services.
Many are unaware of the services, live far from a bank branch and/or are
deterred by the burdensome bank fees and requirements. It is estimated that only 36% of adult
Indonesians have access to formal financial institutions[1]..
The government of Indonesia initiated the document of the National Financial
Inclusion Strategy (SNKI) in June 2012, with branchless banking called out as a
priority area. As part of the strategy, Indonesia recently reinforced
a new presidential decree in 2016 to promote financial inclusion through
branchless banking (LAKU PANDAI)[2]
as one of the initiatives to increase access to financial services among its
large unbanked population.
Scaling-Up Women Entrepreneurs
Empowerment Training (SWEET) will
follow up the findings of Mobile
Financial Services for Female Entrepreneurs Program (MFS) which was
implemented in 2016 to 2018 to test and identify a cost-effective and sustainable approach to
promote women entrepreneurs’ uptake of mobile financial services as a way to
increase investment in and profit from their businesses. As the first phase
intervention, the project was producing tailored training for 2,000 women
entrepreneurs randomly selected across three districts of Ngawi, Bojonegoro and
Tuban, in East Java province. In this current project, as the second phase, SWEET
project’s goal is to expand the financial literacy training to add an
additional 1,500 women entrepreneurs located in the similar project areas.
Purpose / Project Description:
The aim of the SWEET project is that women
entrepreneurs will have improved knowledge and skills around financial
management that applies to their household and business. Additionally, SWEET
beneficiaries will understand the different types of branchless banking
products and actively use saving products through the digital channel services in
order to improve business profits and family welfare.
The beneficiaries
will also receive mentoring support to further enable the use of mobile
financial services to increase savings, investment, and business profits. The key objectives are 1) To ensure that the targeted 1,500 women
entrepreneurs are able to distinguish between and prioritize household and
business financial needs; 2) To support 20% of the targeted women entrepreneurs
to begin saving practices and link them with branchless banking services.
The project team conducted a needs
assessment of women entrepreneurs from 9th to 20th January 2019, involving
193 participants from 18 groups in the three districts. The assessment aimed to
gather information about their saving behaviour and financial management
behaviour. The findings of the needs assessment include the following:
-
70% of
women entrepreneurs are between 26 to 45 years old.
-
68% of
them are junior and senior high school graduates.
-
41% of
women entrepreneurs run their businesses between 2 to 5 years.
-
87% of women
entrepreneurs own savings in formal or informal channels. However, only
49% own saving accounts at the bank.
-
79% of
women entrepreneurs have not divided their financial records between the
business and household. Basically, they are still using business money to
support household needs.
With regard to access to financial
services and mobile phone ownership, the potential participants are:
-
88% of
them have a mobile phone, either an android-based phone or a feature phone.
-
However,
79% of them have not yet used their mobile phone for a financial transaction.
-
Regardless
the statement that they would like to learn on how to use mobile phone for
financial transaction; in fact, only 16% of women entrepreneurs up to 45 years
of age and/or those with online business products are familiar with the
technology and use their mobile phones for financial transactions.
-
The types
of businesses that most of these women run are kiosk (39%), food stall (27%) and
producing handicraft (17%).
Objectives of the consultancy:
In light of the training needs identified as part of the needs
assessment, the SWEET Project requires a consultant to develop the training
module (including mentoring subjects) and training tools for women
entrepreneurs prior to project implementation. This module shall contain the reflection
of needs of specific skills and knowledge that are gathered from the needs
assessment, related to financial management and business management for women
entrepreneurs. The consultant should also
strategically present alternative solutions to the current situation
of the saving behaviour and financial management behaviour of the women
entrepreneurs and recommend ways to improve access to information on the wider
saving products and available services. The training of women entrepreneurs
will be targeted in the three districts of Ngawi, Bojonegoro and Tuban.
Consultant Activities:
The Consultant will develop the training modules and training
tools that will be used for training women entrepreneurs in three districts of Ngawi, Bojonegoro and Tuban.
The consultant shall ensure to:
·
Conduct review of the existing training
modules/material available within Mercy Corps Indonesia.
·
Prepare training modules and training tools
related to saving mechanisms; savings purpose, saving channels and services, financial
literacy, and financial management for both business and household that will be
delivered in the training for the 1,500 women entrepreneurs.
·
Prepare training modules and training tools related
to saving mechanisms; savings purpose, saving channels and services, financial
literacy, and financial management for both business and household and create
and elaborate guidelines for the trainer to be used in the training of 1,500
women entrepreneurs.
·
Conduct pilot trainings to test the training
modules and training tools prior to the actual training and make revisions as
necessary.
Finalize the training
modules and training tools for the training of 1,500 women entrepreneurs.
Consultant Deliverables:
The
Consultant should complete these main outputs:
1.
Develop the outline of training module and
training tools for both Women Entrepreneurs
2.
Develop Trainers’ Guidelines.
3.
Based on the outline of training module and
training tools, develop and finalize training
module and training tools to be reviewed by the Training, Mentoring and
Monitoring Coordinator, Project Manager and Program Director (if necessary)..
4.
Final training module and training tools.
The consultant should develop a very clear and structured training
module and guidelines. The main content of the module should not exceed 50
pages to be used in an average of 2.5 hours of training session over 3 months
period. Training tools for exercise should be developed separately, including
list of tools for practice required based on assessment needs. The tools should
have relevance to the assessment analysis, findings and conclusion. The
consultant should provide a clearly articulated work plan, detailing out each
work and the number of corresponding days required.
Consultant Qualifications:
We need a consultant with a strong background in training and
module development, in particular in Financial Services, Financial Inclusion,
or Economic Development sector. The Consultant should have excellent knowledge
of training method and session planning, and good understanding in
participatory process. It would be beneficial if the Consultant have the
following skills and competencies:
1.
Demonstrate experience of producing high
quality training module related to financial literacy, financial management, or
business management.
2.
Experience working with NGO in rural area
would be an advantage.
3.
Ability to write in a simple structure and
clear Bahasa Indonesia and translate field information/assessment results into well-defined
subjects.
4.
Adequate knowledge of branchless banking,
financial services or financial inclusion and business management.
5.
Excellent writing and verbal communication in
Bahasa Indonesia, good understanding of English is a plus.
Timeframe / Schedule:
This
consultancy work must be completed within 20 working days started upon the signed
date of contract or based on the agreed date of both parties, and not exceeding
30 March 2019.
The Consultant will report to:
Project Manager
of SWEET in MCI Jakarta Office
The Consultant will work closely
with:
Training, Mentoring and
Monitoring Coordinator of SWEET in MCI Jakarta Office
Please send application letter with CV to: procurement@id.mercycorps.org at the latest March 9th, 2019
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