CARE International UK Terms of Reference

Transcription

1 CARE International UK Terms of Reference Date: 15 th September 2016 Title for piece of work: Financial Inclusion of Female Garment Workers in Cambodia Background CARE International (CI) is one of the world s leading multi-mandate aid agencies, fighting poverty and injustice in over 80 countries around the world and helping 65 million people each year to find routes out of poverty, with a specific focus on the empowerment of women and girls. Women s Economic Empowerment is one of four priority areas for CARE s work, as set out in the CARE 2020 Program Strategy. This strategy on women s economic empowerment sets out what CARE will do to meet our aim of 30 million women having greater access to and control over economic resources by CARE sees economic empowerment of women as a key contributing factor to overall empowerment of women and thereby to equality between women and men. In our Women s Economic Empowerment Programme (WEE), CARE seeks to strengthen women s position as economic actors and to address their exclusion from economic processes and structures (informal as well as formal). At at the heart of our work we have four core thematic areas of focus: Financial inclusion, Women and value chains, Dignified work, and Entrepreneurship. With 2 billion financially excluded people in the world and a majority of these women CARE puts significant energy into accelerating and multiplying the impact of financial inclusion. CARE is a recognised leader and innovator within savings-led financial inclusion. Savings have been shown to be one of only three interventions proven to accelerate the economic empowerment of women regardless of their context. We therefore see our existing flagship work around Village Savings and Loan Associations (VSLAs) as both an area for CARE to continue to champion as well as a powerful foundation for the rest of our women s economic empowerment efforts. Working in partnership with the financial and telecoms sectors, CARE also co-creates innovative and scalable models to help women access appropriate and affordable financial services. Supporting women to gain equal access to quality work which is safe, fairly and equally rewarded, and to have greater levels of control over their earnings from this work, is a priority under CARE s Dignified Work programme. This requires a combination of efforts to 1

2 improve labour rights, both legally and in practice, and to change attitudes to women s productive vs. reproductive roles at household, community and structural levels. CARE has growing experience of improving working conditions and outcomes for women, and will draw upon this and the experience of others to build a substantive body of evidence of ways to achieve equitable and dignified work opportunities. Innovation, research and development will therefore play a central role in how we will approach our interventions in the area of dignified work. Scope of the consultancy While there are similar underlying structural patterns of economic exclusion across the world, they impact differently on women in different contexts and require integrated approaches to maximise and sustain impact. CARE would therefore like to develop a more integrated approach to Financial Inclusion within Dignified Work, with a specific focus on female garment workers. The purpose of this research is to build evidence and provide independent recommendations for the financial empowerment of female garment workers in Cambodia. The focus of the evaluation is to: - Understand the financial behaviour and needs of female garment workers and their constraints to accessing and using appropriate financial products and services; - Recommend market based solutions to financial inclusion of female garment workers; - Recommend priority actions for key stakeholders engagement to support FI of female garment workers; To guide the scope of the evaluation, the consultant will seek to respond to the questions below. These questions are intended to be a guiding framework, and will be refined in conjunction with the CARE International. 1. How do female garment workers manage and use money? This should include evidence based on (but not limited to): a. Analysis of Financial status of female garment workers (assets and debts) b. Financial management approaches of female garment workers - transactions and spending patterns by: type (income received, expenses payments, remittances, etc), method of transaction (chain of actions to complete transaction), frequency, value, rationale and associated challenges. c. Decision making processes around use of income by female garment worker (in household, and by communities). d. Level of knowledge of and interest in different formal financial products and services and associated financial and digital literacy needs. 2. What do appropriate formal financial products and services for garment workers look like? How can they be utilised effectively? This should take into consideration: 2

3 a. Specific barriers to female garment workers full and efficient use of financial products and services (including physical barriers, social norms, product design, regulatory requirements). b. Opportunities for and level of interest in supporting financial inclusion of garment workers from key stakeholders (private sector actors in the garment industry, financial and non-financial institutions). c. Formal financial product and service options for female factory workers (existing and emerging innovations) in Cambodia and from other countries. 3. What are the integrated approaches/mechanisms that Regulator (National bank of Cambodia-NBC), Formal Financial Institutions (FFIs), relevant NGOs (who work to promote financial inclusion) and private sectors (garment managers) should work together to support responsible financial inclusion of female garment workers The main audiences for this evaluation are CARE International, private sector partners in the garment industry, financial and non-financial institutions, as well as the women beneficiaries. The evaluation will be used by CARE International to inform the quality and content of support provided to women in future financial inclusion development projects, and for advocacy efforts to financially include women globally. Deliverables The following deliverables are expected during and at the end of the consultancy: Initial kick-off meeting with CARE UK to discuss/agree the scope of the evaluation. An inception report which will detail the research work plan and methodology for data collection and analysis, including sampling, data collection processes and tools, etc. (no more than 15 pages) Presentation of key findings at draft report stage. The presentation should highlight the main findings of the research. Present a draft report including all preliminary analysis, findings, lessons learnt conclusions and recommendations, which will be refined following feedback from CARE (no more than 30 pages). Present a final report including findings, lessons learnt, conclusions and recommendations. (no more than 30 pages excluding raw data and data collection tools which are to be shared separately). In addition to the above, regular check-in calls between the consultant will be held to update on activities and debrief on emerging findings. The due dates for all deliverables will be finalised by the consultant with CARE prior to submission of the inception report/work plan. 3

4 Methodology We seek the most robust evaluation approach that is appropriate for the scope of the evaluation, the resources allocated, and the intended audience. Evidence shall be from both primary and secondary sources using qualitative and quantitative data. The proposed methodology will employ (but not be limited to) the following approaches: Direct interaction with key stakeholders (to be agreed with CARE in advance) Reviews of Financial Inclusion and Dignified Work programme documentation, including project reports and monitoring and evaluation data (to be provided by CARE) Field visit to Cambodia to collect relevant data and information from various stakeholders (supported by CARE). Desk research on garment workers and economic empowerment in Asia The consultant should aim to use local staff for data collection where required and ensure the research is empowering and participatory where possible. Timeframe The consultancy is not expected to take more than 30 days in total, between October 2016 and mid-december Payment terms The payment terms will be agreed with the consultant prior to contracting. The consultant is expected to provide her/his own office space and working equipment. In addition, the consultant is expected to cover the cost of insurance, travel, communication and any expenses associated with the consultancy within the available budget. Requirements for submission Interested consultants are expected to submit technical and financial proposals in English including the following (in no more than 8 pages excluding appendices): Profile of consultant/firm, clear demonstration of previous experience in designing and conducting research in Women s Economic Empowerment Experience in financial inclusion work, and garment value chains especially as related to women Proposed Approach, methodology and Work plan in line with the terms of Reference Proposed budget in GBP and inclusive of VAT Appendices to the proposal must include: CVs of the research team Three references from similar projects undertaken by the consultant(s), including e- mail contacts and phone numbers 4

5 Scoring criteria for consultant selection Criterion Details Weight Experience of designing research on women s economic empowerment A record of designing and delivering rigorous research and evaluations. Previous experience of working on women s financial inclusion or dignified work research. Experience in financial inclusion work, and garment value chains especially as related to women Proposed methodology Financial proposal Competencies in data collection and analysis related to socio-economic variables, quantitative and qualitative research. A thorough understanding of the key issues related to women s financial inclusion in developing and emerging economies. Understanding of financial products and services (both banking and non banking) A thorough understanding of the key issues related to garment factory workers and the broader value chain. Experience Asia is desirable. The consultant must work in consultation with CARE UK to develop the methodology. The consultant must display the ability to identify gender-specific indicators relating to female factory workers, and design/develop adapted methods to the local context. The most economical proposal that meets the expectations of the work will be selected. 10% Name and Contact details for the person supervising the work The CARE UK Task Manager will be the Financial Inclusion Advisor (Asia), Katherine Hughes, hughes@careinternational.org. Submissions should be sent no later than 17:00 GMT on 7 th October