Call for Proposals: Market Research
The advent of mobile money has ensured improved financial inclusion amongst the population group at the bottom of the pyramid. This has ensured improved access to financial services, improved savings and access to credit. Most people who stay in low income areas or per-urban areas rely on mobile money services to support their financial transactions. Financial institutions such as banks and micro-financing have partnered with mobile network operators (MNO) through mobile money services to improve access to financial services and ensure access to a new clientele.
There is consensus that mobile money can do more to unlock several opportunities for those at the bottom of the pyramid. Given sanitation problems, the question arises whether the advent of mobile money can be used to address sanitation financing constraints in low income areas and if so, the conditions to enable this.
WaterAid now seeks the services of a consultant to conduct a feasibility study on the possible use of mobile money savings or credit schemes to finance household sanitation in a specified low-income community in Zambia. Zambia alone, has 1.6 mobile money active users and numbers are steadily increasing. The key objectives are to ascertain:
- The socio-economic status of targeted households and their use of mobile money
- Targeted households' access to Water, Sanitation and Hygiene and the types of latrines used
- Explore households' willingness to borrow or save for household sanitation and willingness to use mobile money services to finance this
- Potential partners in the "mobile money for sanitation" initiative.
We are looking for consultants with the following:
- Master's degree or equivalent in Development Finance or Development Economics
- Proven experience in market research for development programmes
- A well-documented record of experience in a relevant field (especially fintech) and knowledge of general development economics
- Knowledge and/ or experience of the WASH sector
- Knowledge of the role of the private sector and government in the delivery of sustainable services
- Proficient communication skills in English.
Click on 'Apply' to read the full Terms of Reference.
The work is expected to commence around mid-November 2019 and carried out over a period of approximately 8-12 weeks. The exact number of input days and duration of assignment will be agreed with the selected consultant.
Individuals interested in conducting this work should submit a proposal, not longer than two pages, demonstrating an understanding of the TOR, possible methodology and detailed budget for review. Please do also include your CV/s. Submit all in one document.
Expressions of interest will be reviewed based on competencies, record of previous work, quality of proposal and demonstration of understanding of the task. Applications should be sent to by 21 October 2019. We expect to respond by latest 28 October.
WaterAid is committed to ensuring that wherever we work in the world there is no tolerance for the abuse of power, privilege or trust. WaterAid reinforces a culture of zero tolerance towards any form of inappropriate behaviour, abuse, harassment, or exploitation of any kind. The safeguarding of our beneficiaries, staff, volunteers and anyone working on our behalf, is our top priority, and we take our responsibilities extremely seriously. All staff and volunteers are required to share in this commitment through our Global Code of Conduct. We will conduct the most appropriate preemployment references and checks to ensure high standards are maintained.