Consultant/Contractual Jobs at market sites in Rwanda At GIZ, Access to Finance Rwanda (AFR), Palladium and Heifer International Rwanda

EnDev is contracting a consultant to undertake the service of increasing awareness at the market sites on post-harvest handling of horticultural crops to beneficiaries which will include market sellers, transporters and farmers. The consultant will conduct the following tasks:
• Develop a customized training module
• Develop a learning booklet for beneficiaries
• Lead awareness campaigns
• Provide training on-site to a minimum of 100 participants (at 4 sites)

Roles and Responsibilities
The consultant will work closely with EnDev and Izuba Energy in the design and scope of the work packages.
The consultant will be responsible for developing Services required that are structured in following scope of works, along the above-mentioned areas of work.
The company must ensure that the data handling meets GIZ standards based on the General Data Protection Regulation (GDPR) of the European Union. The information and required forms will be shared only with the company selected prior for completion and submission before the contract can be signed.
Scope of Work / Tasks to be performed by the consultant
Task 1: Elaboration of the consultancy concept and work plan
After an initial kick-off meeting, the consultant shall develop a detailed service concept and work plan. This includes the definition and fine-tuning of the detailed scope, methodology and structure.
Output:
The contractor shall provide a detailed concept and work plan (at least 2 pages).


Task 2: development of customized training module
The consultant will develop a customized training module targeted at market sellers, transporters and farmers including (but not limited to) post-harvest handling best practice, appropriate packing and transport, the benefits of cold storage including temperature and humidity control in extending shelf life of crops, proper transport and food safety.
Output:
The consultant will develop a training module (written) to build capacities and knowledge on how to protect the quality of the produce.

Task 3: Develop a booklet for beneficiaries' trainings
The consultant shall develop a learning booklet on cold storage and post-harvest best practice for horticulture that can be used by beneficiaries to improve post-harvest handling of crops.
Output:
The consultant will develop a booklet and revise it in close collaboration with GIZ and Izuba energy Ltd. In both English and Kinyarwanda.
Task 4: Lead awareness campaign about benefits of cold storage
The consultant shall organize at least two awareness raising sessions at each of the 4 sites to raise awareness, sensitize the beneficiaries to the availability of the service/training, its benefits (impact of the cooling unit on perishable produce) and the conditions of its use.

Output:
A total of 4 days awareness campaign sessions will be conducted
Task 5: Conducting beneficiaries training
The contractor shall prepare and provide trainings to market sellers, farmers and other traders on post-harvest best practice for horticulture and the benefits of cold storage. The number of beneficiaries will be a minimum of 100 trainees at each of the 4 sites (total 400 people trained). These trainings can be split into smaller groups.

Output:
Trainings to be provided by the consultant for each of the 4 sites (over 400 beneficiaries in total).
Contracting Period and Time Required
The consultant is expected to be contracted for a period from September until December 2022.
The service is not expected to exceed 35 days in total.

Profile and Qualifications
Qualification of the bidder
General qualifications
Education: Bachelor's degree, Masters or equivalent degree in agricultural studies, environmental sciences or related field.
Specific professional experience: At least 5 years of professional experience in the agricultural sector, specifically background in food safety, postharvest practices, food preservation, food safety and nutrition.
Experience in the development of training materials and provision of trainings to Rwanda beneficiaries (i.e. farmers, market sellers, traders and/or other beneficiaries)
Regional experience / country knowledge
Senior level knowledge on the topics of agriculture in East-Africa (Rwanda, Burundi, Uganda, Tanzania, Kenya, etc.)

Language
Fluency in Kinyarwanda and English. French as an additional advantage.
Application & Evaluation Criteria
Requirements on the format of the bid
The structure of the bid must correspond to the structure of the ToR.
The bid is drawn up in English.
The complete bid shall not exceed 10 pages (excluding CVs).
In the contract, the contractor has no claim to fully exhaust the days/travel/trainings/budgets. The number of days/travel/trainings and the budget amount shall be agreed in the contract as ‘up to’ amounts.

Concept
In the bid, the bidder is required to show how the objectives defined above under “Tasks to be performed by the consultant” are to be achieved, if applicable under consideration of further specific method-related requirements (technical-methodological concept).

Technical-methodological concept
Strategy: The bidder is required to consider the tasks to be performed with reference to the objectives of the services put out to tender. Following this, the bidder presents and justifies the strategy with which it intends to provide the services for which it is responsible.
The bidder is required to present the actors relevant for the services and describe the cooperation with them.
The bidder is required to describe the key processes for the services and create a schedule that describes how the services according to the tasks are to be provided. In particular, the bidder is required to describe the necessary work steps and, if applicable, take account of the milestones and contributions of other actors.

Schedule of Deliverables
Task Time (month- year) Deliverables Estimated Personnel Estimated Time
Task 1: Elaboration of the consultancy concept and work plan September 2022 MS Word document, outlining the work plan (at least 2 pages) 1 2 days
Task 2: Development of customized training module September 2022 Written training module 1 4 days
Task 3: Develop a booklet for beneficiaries’ trainings October 2022 Booklet developed and printed in English and Kinyarwanda 1 3 days
Task 4: Lead awareness campaign about benefits of cold storage November-December2022 Awareness campaign sessions conducted (4 sessions) 1 4 days
Task 5: Conducting beneficiaries training November December 2022 Trainings provided for 4 sites (400 beneficiaries) 1 20
Total: 1 33 days
a short technical proposal demonstrating comprehension of the task and providing background on the consultant and their experience with other relevant projects, general operational insights (incl. how appropriate data protection, time management and project and data quality assurance will be ensured, etc.)

Incomplete applications will not be considered.
The application will be evaluated based on the following criteria:
• Technical proposal
• Consultant profile and track record
• Relevant experience
• Consultant strategies to ensure agility, flexibility and responsiveness
• Financial offer
GIZ would like to improve the share of women and people with disabilities working in technical fields such as energy. Applications from companies led by or involving women or people with disabilities are most welcome.

Submission of offer
The Expression of Interest should contain the following:
Technical Proposal:
• A cover letter expressing your interest in this assignment
• Technical proposal
• CVs of the experts
• Company registration certificate (RDB)
• VAT registration certificate
• Valid tax clearance certificate
• Proof of successful completion of related assignments.

Financial Proposal:
The Financial Proposal indicates the all-inclusive total contract price, supported by a breakdown of all costs. The cost must be in Rwandan Francs and VAT excluded.
Please submit electronically your EoI (technical & Financial offer) in 2 separated emails and should be in PDF files to this email: This email address is being protected from spambots. You need JavaScript enabled to view it. until latest 22nd August 2022.
Please you must write in your email subject this sentence:
EOI number . 83416728 - submission of technical& financial offer,
without this sentence, your offer may not be considered
Hard copies are not allowed this time
GIZ reserves all rights


Advert for Consultancy Services to Provide Technical Assistance to Financial Service Providers and Investors to Design and Pilot Appropriate Housing Finance Solutions.
About AFR
Access to Finance Rwanda (AFR) is a Rwandan not for profit organization established in March 2010 by the governments of the United Kingdom (UK) and Rwanda with support from the UK Foreign, Commonwealth and Development Office (FCDO). Current (2021) funders of AFR include FCDO, SIDA (Sweden), the MasterCard Foundation, and Jersey Overseas Aid (JOA).
AFR’s strategic focus is stimulating financial sector development by partnering with financial institutions and other stakeholders to increase access to and use of financial services. We identify and address constraints that prevent the financial market from reaching Rwanda’s low-income population and promote innovations and learning that result in sustainable change in the financial sector. Improving access to financial services for women, the rural poor and youth is a particular focus.
AFR is guided by the Market System’s Development (MSD) approach recognising that efforts to increase financial inclusion and financial sector development must be market led and profitable for sustainability. AFR supports the Government of Rwanda’s development objectives by aligning all its interventions to the national policy frameworks including the Financial Sector Development Programme, and the National Strategy for Transformation (NST) 2017-2024.

Submission Procedure
All interested and qualified firms should submit their proposals (both Technical and Financial)
separately, marked with clear subject line: “Consultancy Services to Provide Technical Assistance to Financial Service Providers and Investors to Design and Pilot Appropriate Housing Finance Solutions.” to This email address is being protected from spambots. You need JavaScript enabled to view it. ; not later than Friday 26th August 2022, at 05:00 pm Central African Time (CAT).
KEYNOTE: Follow this link to the AFR website https://afr.rw/job/request-for-proposals-for-consultancy-services-to-provide-technical-assistance-to-financial-service-providers-and-investors-to-design-and-pilot-appropriate-housing-finance-solutions/ for detailed information on this advertisement.


JOB DETAILS:
Consultant, Credit Risk Management Training
Credit Risk Management Training For The Staff And Management Of Muganga Savings And Credit Cooperative Organization (SACCO)

Project Overview:
Palladium is implementing the Rwanda Integrated Health Systems Activity (RIHSA), a three-year USAID-funded task order (72069620F00001) designed to support the Ministry of Health (MOH) in strengthening Rwanda’s health system to provide quality health care for Rwandans while building the capacity of the Government of Rwanda (GOR) to move away from a donor-financed health system towards a self-reliant system. The project is aimed at achieving two major objectives:
• Reduce financial barriers to health care through a mix of public and private interventions and provide tools for improved domestic resource mobilization and improve health care financing for the GOR.
• Improve the quality of essential health services at national, facility and community levels utilizing a health systems approach.
Through a focus on financing and quality, USAID-RIHSA provides technical assistance to the GOR on various strategies, tools and approaches that will allow Rwanda to sustainably fund its healthcare system and provide quality care at all levels. The Activity is implemented by a consortium led by Palladium International LLC (Palladium) in partnership with RTI International, the Council for Health Service Accreditation of Southern Africa (COHSASA), Zenysis Technologies, and the Rwanda Agency for Accreditation and Quality of Healthcare (RAAQH).

Context:
The Health Sector Staff Mutual Aid Group (HSS MAG) was set up as a tontine with public health sector staff retention as the primary goal, and a mission to provide reputable and innovative financial and personal development solutions through excellent services that exceed stakeholder expectations, while caring for their members’ needs in an efficient, friendly, and professional manner. As a public sector driven initiative, the scheme has been housed within the MOH. Recently, HSS MAG has recorded a significant increase in membership and required rethinking of the design and structure of the organization. As of October 2021, it had approximately 10,000 members from all public health affiliated institutions across the country. The large size and restricted nature of tontines exposed the Mutual Aid Group to inherent risk as well as limited the capacity and ability of the organization to take full advantage of other financial services and opportunities that will benefit members. Consequently, in an October 28, 2021 General Assembly (GA), members approved a resolution to shift from tontine to SACCO (Savings and Credit Cooperative Organization).
In early 2022, HSS MAG officially transitioned to Muganga SACCO with the same mission as the predecessor but with an expanded target service package and membership which includes both public and private health staff in Rwanda. Muganga SACCO’s mandate include to establish, maintain, and expand relationship with individuals, companies, associations, health institutions, and cooperatives. Its vision is to be the leader in the provision of financial products, services, and solutions to health care professionals – contributing to their sustainable development and work retention.

As a larger company, Muganga SACCO now offers an extensive loan portfolio. Although this creates an opportunity to serve a wider market with a variety of options, it also means putting in place strict and robust risk management mechanism to protect the company against irrecoverable financial losses. The loan products include the following:
• Short-term loans: Up-to 2 years supported by cash repayable monthly
• Medium-term loans: Between 25-60 months, supported by profit budget, cash flow forecast and capital expenditure budget appraisals for the term
• Long-term loans: This is like the term for medium-term loans, but with realistic view of the business viability over the term
• Bridging Commercial loan: Up-to 12 months for financing purchase of valued assets with assured disposal
• Consumer Personal loans - e.g., overdraft loans, Emergency loans (8.5% interest), Scholar loans (6% interest), Vehicle loan (9% interest), Salary advance (7.5% interest): Up-to 26 Months, considering the payment capacity of the employee. Employee must have saved with Muganga for at least 6 Months
• Business loan (7.5% interest): Up-to 5 years (60 Months)
• Mortgage loan (13% per annum)
The change of statute to SACCO unlocks a lot of benefits including the (1) opportunity of receiving technical advice, guidelines, and supervision from the Central Bank and Rwanda Cooperative Agency, and (2) access to competitive services such as loans (salary advance loan, education loan, business loan, equipment loan, etc.), deposits, and withdrawal transactions for members. However, to be able to take full advantage of the opportunities available to SACCOs, there is a need for Muganga organizational and operational restructuring, change management, policy reforms, and staff expansion and capacity development, among others.
Regarding staff capacity development, the management has earmarked credit risk management as the immediate staff training need. While the current credit policy has elaborated some salient credit risk management approaches, their institutionalization requires building the capacities of staff to operationalize them in their daily activities and transactions.
Palladium is seeking to recruit a consultant to design and implement the credit risk management training for the staff and management of Muganga SACCO.

Objective of the Assignment:
The main objective of this assignment is for the Consultant(s) to conduct a tailored credit risk management training for the staff and management of Muganga SACCO. This will include:
• Assess staff credit risk management capacity requirements and designing a tailor-made course to meet those specific needs
• Organize capacity building training on credit risk management for the different levels of staff and management
• Design or assemble and share standard credit risk assessment and management tools for SACCOs

Expected Outputs/Deliverables:
Through this assignment, the consultant(s) is expected to produce the following deliverables:
• Inception report including the training methodology and tools
• Tailored credit risk management training manual
• Training workshop for all relevant staff
• Standard credit risk assessment and management formats and tool for SACCOs
• Final report of not more than 5 pages summarizing the key processes, highlights, lessons learnt, and recommendations from the assignment
All deliverables must be written in English.

Target Training Participants
Three main categories of people will benefit from this training:
• Management Credit Committee (MCC) - Director General, Health of Credit Unit, Credit Analysis Officer, and Head of operations unit: Loan approval limit between 2,000,000 and 20,000,001 RWF
• Members Elected Credit Committee (MECC) - 5 elected members by General Assembly (GA) chaired by the chairperson: Loan approval limit between 20,000,000 and 25,000,001 RWF
• Branch Credit Committee (BCC) - Branch Manager, Credit officer, Operations officer: Loan approval limit 2,000,000 RWF and above
Note: Loans by the MECC members and their related are approved by the Board of Directors (BOD)

Timeline
This assignment is expected to be implemented within a timeline of eight (8) weeks with an estimated 20-day level of effort, starting from the date the contract is signed.
• Share a final inception report that includes the methodology and tools - Week 1 from date of signing contract
• Conduct Muganga SACCO credit risk management needs assessment - Week 2
• Development of tailored credit risk management training manual - Week 4
• Train Muganga SACCO staff and management on credit risk management - Week 5
• Draft and share standard credit risk assessment and management formats and tool for SACCOs - Week 6
• Share final report of not more than 5 pages summarizing the key processes, highlights, lessons learnt, and recommendations from the assignment - Week 8

Contract Type
This consultancy will be a fixed price deliverable-based contract. Acceptance of the deliverables will be determined by RIHSA’s Health Financing Director and the Muganga SACCO. Final approval of the final deliverable will be required by RIHSA’s Chief of Party.
Selection Criteria for Consultant Application Requirements
All consultants that apply for this assignment will be evaluated based on the following:
• Demonstrated experience in conducting credit risk management/analysis training 30
• Understanding of SACCOs operations as well as statutory requirements in Rwanda 20
• Demonstrable understanding of Rwanda’s Financial Sector Regulations as well as International Financial Reporting Standards (IFRS) 20
• Qualifications 10
• Price 20
Total Score 100

Negotiations will be held with the candidate with the highest score.
The application proposal should include:
• A technical proposal which includes a portfolio outlining similar / previous assignments completed (e.g., any samples produced for government ministries, private companies, agencies and/or multinational organizations).
• Updated CV (no more than 4 pages) and notarized copies of academic/ professional credentials.
• Cost Proposal in RWF detailing the proposed price per deliverable, inclusive of all logistical costs, including transportation, accommodation, data collection and printing costs for the assignment.
The application deadline is 18 August 2022.

Required Qualifications:
• Master’s degree in Banking, Finance, Accounting, Risk Management, Actuarial Science Economics, Business Administration, or related degree with proven experience with the Rwanda’s banking and finance industry
• Extensive demonstrated experience in successfully conducting similar assignments i.e., training Banks, MFIs or SACCOs staff on credit risk management
• Extensive knowledge and experience in credit risk management and analysis
• Management level work experience with a SACCO will be an advantage
• Fluency in English
• Excellent writing skills

Company Overview:
About Palladium - Palladium is a global leader in the design, development and delivery of Positive Impact – the intentional creation of enduring social and economic value. We work with governments, businesses, and investors to solve the world's most pressing challenges. With a team of more than 3,000 employees operating in 90 plus countries and a global network of over 35,000 experts, we help improve economies, societies and, most importantly, people's lives.
Equity, Diversity & Inclusion - Palladium is committed to embedding equity, diversity, and inclusion into everything we do. We welcome applications from all sections of society and actively encourage diversity to drive innovation, creativity, success and good practice. We positively welcome and seek to ensure we achieve diversity in our workforce; and that all job applicants and employees receive equal and fair treatment regardless of their background or personal characteristics. These include: (but are not limited to) socio-economic background, age, race, gender identity and expression, religion, ethnicity, sexual orientation, disability, nationality, veteran, marital or Indigenous status.
Should you require any adjustments or accommodations to be made due to a disability or you are a neurodivergent individual or for any other circumstance, please email our team at This email address is being protected from spambots. You need JavaScript enabled to view it. and we will be in touch to discuss.
Safeguarding - We define Safeguarding as “the preventative action taken by Palladium to protect our people, clients and the communities we work with from harm”. We are committed to ensuring that all children and adults who come into contact with Palladium are treated with respect and are free from abuse. All successful candidates will be subject to an enhanced selection process including safeguarding-focused interviews and a rigorous due diligence process.