Détails du projet

Vue d'ensemble

Titre du projet

Western Balkans Women in Business Programme Phase II - Technical Co-operation Programme

Invitation for expressions of interest
12 jui 2019

Publié

12 juin 2019

Date limite

10 juillet 2019

Budget

 


Type d'approvisionnement

Services

Référence

EBRDZ237595

Bailleur de fonds

EBRD - Banque européenne pour la reconstruction et le développement


Durée estimée

60 mois


Pays

Albanie, Bosnie-Herzégovine, Bulgarie, Croatie, Grèce, Kosovo, Monténégro, Macédoine du Nord, Serbie

Location:
Regional

Business sector:
Financial institutions

Project number:
78844

Funding source:
SWWB - EBRD - SIDA Women in Business Account

Contract type:
Consultancy Services

Notice type:
Invitation for expressions of interest (CSU)

Closing date:
10 Jul 2019 at 12:00 London

Access eSelection
https://eselection.ebrd.com/suite/

Single Stage Open Competitive Selection – Request for Proposals

Project Description:

Economic empowerment of women is an issue that is now firmly on development agencies’ agenda. The Global Banking Alliance for Women (the “GBA”) finds in a report on 25 of its member financial institutions globally (with a credit portfolio of US$ 88 billion combined) that, not only do women represent a smaller share of banks’ customers – only 36% of those surveyed – and of total loans – 23% – but that women represent a disproportionately lower share of business banking. Women account for a significantly smaller portion of the business credit portfolio that decreased as business size increases, with women representing a 26% share of business credit among micro enterprises, but only 17% among small enterprises and 11% among medium-sized enterprises.

The countries of the Western Balkans (the “WBs”), which include Albania, Bosnia and Herzegovina, North Macedonia, Kosovo, Montenegro and Serbia, have made significant economic and social progress over recent years, including in the area of gender equality. However, considerable challenges and barriers remain for women entrepreneurs that have kept de facto gender equality lagging significantly behind, with women’s entrepreneurship and employment tending to be concentrated in traditionally female occupations such as the public sector or services sector and more limited access to the finance and know-how they need to develop and grow their businesses.

In particular, the OECD SME Policy Index 2016 finds all six economies in the Western Balkans to score lower on ‘Entrepreneurial learning and women’s entrepreneurship’ than Turkey as a comparator, with Bosnia and Herzegovina, Albania and Kosovo scoring the lowest in the region.

In 2014, the European Bank for Reconstruction and Development (the “EBRD” or the “Bank”) developed the Western Balkans Women in Business Programme (the “WBWiB” or the “Pilot WBWiB”) as a pilot, with the goal of promoting a more inclusive and competitive banking market in the region by promoting women’s entrepreneurship. The Pilot WBWiB was carefully structured to test the market. By the end of 2018, more than 2,700 women entrepreneurs had accessed Partner Financial Institution (the “PFI”)s financing and over 2,750 women benefited from ASB services. The finance facility for a total of €40 million is expected to be fully utilised by seven PFIs in 2019.

Following the successful outcome of Pilot WBWiB, EBRD will launch the Western Balkans Women in Business Programme Phase II (the “WBWiB II” or the “Project”). WBWiB II will build on the momentum created in the Pilot WBWiB, aiming to stimulate the transition to a more a competitive and inclusive economy in the Western Balkans region through a strengthened role of women-led SMEs in the economy and participation in the labour force.

This new phase of the WB WiB programme will be run until the end of 2023.

Amongst others, the main objectives of the WBWiB II remain to:

- Support women-led small and medium sized enterprises (the “MSMEs”) in accessing finance for their sustainable growth and job creation;

- Develop sustainable credit mechanisms targeted to women-led SMEs through technical assistance to financial intermediaries in the Western Balkans countries; and

- Support women-led SMEs in accessing know-how, non-financial business development services and networking opportunities;

In order to reach its goals the Project includes four integrated components structured to optimise the impact on the PFI”s and SMEs at the market level, promoting both finance and advice to the Women-led MSME segment (the “PFI Technical Cooperation Programme” or the “PFI TC Programme”):

- Dedicated credit lines;

- Risk mitigation in the form of first loss risk cover;

- The PFI Technical Cooperation Programme; and

- The Advice for Small Businesses component (ASB).

Assignment Description:

Following the decision to launch WBWiB Phase II, the Bank now intends to engage a consultant (the “Consultant”) in order to build the internal capacities and skills of approximately ten PFIs (including 4-6 new PFIs) to more accurately understand and serve the financial needs of women-led MSMEs, assess the PFIs portfolio, business models and delivery mechanisms in order to implement the objectives of the Programme (the “Assignment”).

The detailed scope of work and services (the “Services”) are further described in the full Terms of Reference (the “ToRs”) attached hereto: http://www.ebrd.com/documents/admin/78844-tors.doc

Consultant Selection Procedure:

Single stage open competitive selection

Interested firms or groups of firms are invited to submit a Technical and Financial Proposal.

Assignment Start Date and Duration: The Assignment is expected to start in Q2/Q3 of 2019 and has an estimated overall duration of 60 months.

Cost Estimate for the Assignment: EUR 2,000,000 (exclusive of VAT). An initial contract will be issued for EUR 1,000,000. Extension(s) will be issued subject to the availability of other donor funding, the performance of the selected Consultant and business needs.

The Consultant must determine whether any VAT would be chargeable on the services and the basis for that determination, without taking into consideration the special status of the Bank as an IFI and state this to the Bank in their response to the Invitation for Expressions of Interest. To the extent that a Consultant incurs input VAT on goods and services purchased in connection with the provision of services (e.g. VAT on airline ticket) which is not otherwise recoverable by the consultant from the local tax authority, the gross cost to the consultant of such expenses shall be treated as a reimbursable expense.

Funding Source:

It is anticipated that the Assignment will be funded by the Government of Sweden. Other sources of donor funds are possible and are yet to be identified. Extension(s) will be issued subject to the availability of funding and subject to the satisfactory performance of the selected Consultant and business needs.

Eligibility:

There are no eligibility restrictions based on the consultant's nationality.

Consultant Profile:

Corporate services are required.

The Consultant will be a firm or a group of firms preferably with substantial previous project experience in:

The implementation of multi-faceted MSME lending schemes at commercial banks in emerging markets and similar operating environments with the ability to upscale and downscale the level of engagement in the field depending on project needs;
The use of solid economic/econometric survey skills in order to establish baseline assessments using published data, client data and target group interview;
Delivering institutional strengthening technical assistance to commercial banks in emerging markets aiming at improving their capacity to target women-led MSMEs, via, but not limited to, the design and implementation of new or improved products processes, the introduction of innovative delivery/marketing approach to increase the financial outreach to women-led SMEs and trainings;
Working with women-led MSMEs directly;
Knowledge of the banking and MSME sectors and an office presence in Western Balkans countries (will be an advantage but not an absolute requirement); and
Knowledge and experience of working on HR, gender and equal opportunities issues, preferably in the banking sector;

The Consultant's expert team is expected to include the following key experts (the 'Key Experts'):

1. Key Expert 1: Team Leader with preferably minimum 10 years of experience in:

· Successfully managing the implementation of MSME lending schemes at commercial banks in emerging markets and similar operating environments, including in managing multi country/complex programmes;

· Negotiating with third parties including banks, associations, ministries, regulatory authorities and other stakeholders on behalf of International Financial Institutions;

· Women entrepreneurship and women’s access to finance; and

· Fluent spoken and written English is essential. Command of local languages in the Western Balkans countries is an advantage.

2. Key Expert 2: Senior Women in Business Financing Expert with preferably 10 years of experience in:

· Working as a gender specialist in emerging markets and in similar operating environments, in particular in gender institutional development in the financial sector/commercial banks.

· Conducting gender analysis of banks’ portfolio, institutional strategies, business models and delivery mechanisms to reach out to women-led MSMEs;

· Conducting qualitative research and gender institutional analysis;

· Negotiating with a wide range of stakeholders, including associations, ministries, regulatory authorities and other stakeholders; and

· Fluent spoken and written English is essential. Command of local languages in the Western Balkans countries is an advantage.

3. Key Expert 3: Senior Communications and Marketing Manager(s) with preferably 10 years of experience in:

· Implementing marketing and sales initiatives in commercial banks;

· Advising commercial banks on the factors contributing to successful product development or refinement based on market forces and strategic goals;

· Facilitation of meetings and workshops; and

· Fluent spoken and written English is essential. Command of local languages in the Western Balkans countries is an advantage.

4. Key Expert 4: Senior Banking Expert(s) with experience in:

· Implementing SME lending schemes at commercial banks in emerging markets and similar operating environments, including in implementing multi country/complex programmes;

· Liaising with bank staff and management on ongoing basis; and

· Fluent spoken and written English is essential. Command of local languages in the Western Balkans countries is an advantage.

5. Key Expert 5: Senior IT Expert & MIS Specialist with preferably 7-10 years of experience in:

· Assisting commercial banks in emerging markets and similar operating environments in implementing IT and MIS Systems in relation to MSME lending schemes;and

· Previous project work involving tasks related to gender and women’s access to finance would constitute an advantage.

Submission Requirements:

1. Interested consultants are now invited to submit a completed Technical and Financial Proposal as per the standard templates and instructions available hereto: http://www.ebrd.com/documents/procurement/single-stage-package.docx

2. The Technical Proposal shall be submitted in English electronically via eSelection not later than the Closing Date, as one single PDF file. The technical proposal should not exceed 20 pages excluding the Declaration Form and CVs (Form 1- TP 1 and Form 1 – TP 6).

3. As part of the Technical Proposal, interested Consultants are required to complete a case study, using the template attached hereto: http://www.ebrd.com/documents/procurement/cs.docx . The case study should be based on one project carried out by the consultant in the last 5 years, with anonymized data where necessary. The case study must not exceed 6 pages.

4. The Financial Proposal (Form 2 – FP 1 and FP2) shall be submitted in English separately by email only to the Bank Contact Person. Consultants are reminded of the requirement to ensure the confidentiality of the Financial Proposals.

5. Technical Proposal that contains elements of a financial proposal shall be declared non-responsive.

Bank Contact Person:

Aspasia Tsekeri (Ms.) - Associate Advisor

European Bank for Reconstruction and Development

One Exchange Square

London EC2A 2JN

E-mail: tsekeria@ebrd.com

For the avoidance of doubt, technical proposals should be sent through eSelection and NOT to this email address. Financial proposals should be sent to this email address and NOT through eSelection.

Deadline to Submit Clarification Questions: Via e-mail to the Bank Contact Person by two weeks prior the deadline for submissions.

Selection Method and Evaluation Criteria:

1. Technical Proposal Evaluation Criteria:

a) Firm’s experience in successfully managing the implementation of SME lending schemes at commercial banks in emerging markets and similar operating environments, including in managing multi country/complex programmes and the development and marketing of financial products, preferably in the region or in countries of operations of the EBRD– 15%

b) Firm’s experience in designing and implementing institutional strengthening and product development initiatives that address women’s access to financial products/services at commercial banks in emerging markets, preferably in the region or in countries of operations of the EBRD – 15%

c) Firm’s technical proposal and the methodology – 30%

d) CVs of Key Experts – 40%.

2. Opening of Financial Proposals:

After the technical evaluation is completed, Consultants which score 80 % or above of the total 100 % available for the technical evaluation be eligible to have their financial proposals opened.

3. Technical and Financial Evaluation:

The lowest evaluated Financial Proposal (Fm) is given the maximum financial score (Sf) of 100.

The formula for determining the financial scores (Sf) of all other Proposals is calculated as follows:

Sf = 100 x Fm/ F, in which “Sf” is the financial score, “Fm” is the lowest evaluated Financial Proposal, and “F” the price of the Proposal under consideration.

Proposals are then ranked according to their combined technical (St) and financial (Sf) scores using the weights (T = 80; F = 20) T + F = 100 as follows: S = St x T% + Sf x F%.

Important Notes:

1. The proposal validity period is 120 days from the deadline date for the receipt of submissions. During this period, the Consultant shall maintain its original Proposal without any change, including the availability of the Experts, the proposed rates and the total price.

2. The selection will be made from the Proposals received in response to this notification only, on the basis of the submission requirements and selection criteria set out in this Procurement Notice. The highest-ranked Consultant will be selected and invited to negotiate the contract, subject to availability of funding.

3. Any updates of and clarifications on this procurement notice shall be announced as updates on this notice, without any other notification. In the event of changes consultants will need to download the updated versions. Consultants are required to periodically check the notice for updates. Failure to take the updates into account while preparing the Proposal may result in disqualification or penalties to the scores in the evaluation.