CARE INTERNATIONAL IN RWANDA

P.O Box 550 Kigali, KG 541 ST  

Career Center Building, 8^th floor  

Tel: +250 788 306 241

Tel: + 250 788 304 454

E mail:  care.rw@care.org

www.care.org           

Terms of Reference for developing and delivering digital financial literacy content in Rwanda 

1. Introduction

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Founded internationally in 1945, and in Rwanda in 1984, CARE is a leading humanitarian organization fighting global poverty. We seek a world of hope, inclusion, and social justice, where poverty has been overcome and all people live in dignity and security. CARE International aims to be a global force and a partner of choice within a worldwide movement dedicated to ending poverty. CARE places special focus on working alongside poor women and girls because, equipped with the proper resources, they have the power to help whole families and entire communities escape poverty. Women and girls are at the heart of CARE's community-based efforts to improve education, health and economic opportunity. 

2. Background

Since 1999, the main value added of CARE’s programs in Rwanda has been to innovate learning by doing approaches/methodologies that enable poor and vulnerable populations, especially women and girls, to get out of poverty through social economic transformation interventions. One of the flagship programs has been the Village Saving and Loan (VSL) methodology which has now been recognized as an economic development driver in the National Financial Education Strategy. A VSL group is a self-selected, voluntary group of approximately 20 to 30 members (75% female) that meet weekly to save through regular member contributions to a central fund. With the approval of their peers, members borrow from the group fund to invest in small enterprises, repaying loans with interest and growing the fund. 

Since 2006 to date, CARE Rwanda has established and supported above 39,000 VSLAs in all 30 districts with over 1,000,000 VSLA members. In addition to VSLA creation, CARE Rwanda has provided VSLA plus interventions including but not limited to: a) adult functional literacy and numeracy; b) financial literacy and linkage to MFIs; c) entrepreneurship skills training and coaching; d) business mentorship; e) advanced budget management skills. 

Considering the advancement of ICT in Rwanda and government’s vision to become a cashless economy country, CARE Rwanda and CARE Norway have secured funding for Digital Entrepreneurship and financial literacy in Rwanda which aims to enable 9,500 poor and vulnerable people, especially women and girls members of the VSLAs and other high potential women entrepreneurs in the Districts of Nyanza, Huye, Gisagara and Nyamagabe, to enjoy their right to a dignified life through increased literacy and numeracy skills, promotion of entrepreneurship and improved household living conditions. 

In this project, CARE will envisages to develop/adapt and deliver digital financial literacy training content to CARE’s VSLAs program participants women majority aged 15-59 from low income families. 

To achieve this target, operational VSLAs will be targeted, these are groups that are looking to deepen their financial inclusion opportunities and further their engagement with FSPs including MNOs increasing their digital services access including access to formal financial services. CARE will assist all interested members of VSLAs to progress using digital services as well as supporting data collection and sharing for VSLAs financial performance support. The training will also be delivered to women entrepreneurs supported by CARE’s programs. 

3. Project digital financial literacy activities

Under the project output of increasing digital financial literacy, CARE targets 2,000 women VSLAs members in the above districts and this will be achieved through the following outputs and activities: 

OUTPUT 2: Increased digital financial literacy among 2000 women and girls entrepreneurs.

• Digitalize the financial literacy training module.
• Orient Village Agents on the digital financial literacy training module
• Follow up and report access and use of knowledge from digital financial literacy training module by Village Agents and VSLAs members representatives.
• Facilitate digital financial linkage of selected well financially performing VSLAs to relevant financial service providers (FSPs) 

4. Purpose and objectives of the assignment

Based on the above background, CARE Rwanda is looking for an experienced digital partner to adapt and deliver digital content to 2,000 program participants. The content will include:

1. Digital financial literacy skills - Budgeting, Saving or borrowing, Loan management.
2. VSLAs operation – VSLAs does and don’t, group’s financial products
3. Digital linkage to financial service providers- Mobile banking services including Mobile money. 

5. Key deliverable

1. Detailed workplan to deliver the work with clear timelines.
2. Digitalize the three training contents under section 4 above and design a digital platform that will facilitate training delivery.
3. Facilitate Training of Trainers (TOTs) for CARE and implementing partners staff on the developed platform.
4. Pilot the designed digital platform and define recommendations for scale up.
5. Documentation of the lessons learnt, best practices and challenges.

CARE will cover administration costs for the ToT and pilot of the digital platform. 

6. Timeframe:

Duration of Assignment: November 2023 to January 2024: 2.5 Months 

7. Required expertise for the consultancy firm/Digital partner.

• Proven extensive experience in designing digital or web-based platforms for training and linkage to financial services or markets.
• Proven experience of at least 5 years in digitalizing training content targeting poor and vulnerable people in rural Districts.
• Hands experience in diversified civil society organizations (CSOs) strengthening, especially those in less/developing countries; including with INGOs will be an added advantage.
• Registration in Rwanda is preferred, external companies will be subjected to a 15% withholding tax according to the local taxation policy.
• Evidence of tested and functional digital platforms that can be adapted to the scope of work.
• Demonstrated ability to meet deadlines.
• Ability to work independently within scope of job description. 

8. Reporting line

The consultancy firm/digital partner will report to the Financial Inclusion Technical Advisor 

9. Application prosess 

The proposals should indicate the following:

• Consultancy firm or digital company’s profile and detailed CVs of key persons to be assigned to the work.
• Evidence of the consultant’s experience in similar assignments (at least 3 references with contact or address of referees).
• Technical proposal, including a description of the proposed methodology detailing how deliverables will be achieved with a clear time frame.
• Financial offer detailing various costs associated with the delivery of the above services, in PDF format and must be a separate document from the technical offer.
• Copies of similar assignments (with evidence for good completion of the previous similar assignments).
• Minimum 3 certificates of similar work done in the past.
• Bank account information including the scanned copy of blank check or document from the bank confirming bank account information (name, account number, swift code, …)
• Company profile; VAT registration certificate; RRA tax clearance certificate; RSSB tax clearance certificate (when applicable). 

Interested consultant or consultancy firms are requested to submit their offer not later Tuesday 26^th October, 2023 at 5:00 pm local time to the following e-mail address: rwa.procurement@care.org  with mention “consultancy for developing and delivering digital financial literacy content in Rwanda”. 

Kigali October 19^th,2023

Procurement unit