Beschreibung der Beschaffung
The mission contributes to the achievement of output 3 indicator, the module objective and related target indicators of the project, as well as output indicators of the other three outputs of the project. The module objective consists on that the incomes and the organization of farmers in the North-West and Center-West regions of Tunisia are improved. The main target indicators of the PEAD are (1) the share of the average annual household income generated in agricultural value chains, (2) the annual turnover of farmers" organizations in supported service sectors and value chains, and (3) the number of farmer organizations members. The mission contributes straight to output 3 objective, which aims to a better use of the information on appropriate financing options by Farmer's organizations and SMEs to apply for available financing instruments. Output 3 indicator consists in the number of financing applications submitted for the business plans of farmers" organizations and SMEs.
The mission contributes to fulfilling the objectives and indicators of Output 2 "Promotion of collaborative and cooperative business models". The objective of Output 2 consists of increasing the use of services provided by farmers organizations and cooperating SMEs in the areas of input, production and marketing. Indicators of Output 2 are (1) the quality assessment of services provided by farmers organizations, and (2) the number of developed collaborative business models involving farmers organizations and SMEs.
In order to achieve these indicators and results, the mission will be divided into three work packages. The first work package aims to identify opportunities and dysfunctionalities in the Tunisian agricultural finance system for farmers organizations through financial market analysis. Based on work package 1 results, the work package 2 would permit the development, in collaboration with financial institutions, of a financial product for farmers organizations based. The development of the financial product encompasses modelling, analyzing, testing and merchandizing. The work package 3 aims to strengthen farmers organizations capacities in financial literacy, increase the level of knowledge on available financing options (public, private and alternative), enable FOs to assess the adequate finance and investment opportunities and coach FOs in management and the application processes for finance and investment.
For the Work package 1, the Market Analysis shall provide an in-depth analysis on the finance opportunities and investment need of farmers organizations in the North-West and Central-West. The aim of the analysis is to provide evidence for the investment potentials, finance opportunities and risks related to access to finance for farmers organizations in Tunisia. The study builds the base for the systematic overview on the appropriate financing options for farmers organizations, which is evidently necessary, to the achievement of the module objective "Farmer's organizations and SMEs use the information on appropriate financing options to apply for available financing instruments".
Different types of collective organizations or contractual forms will be considered in the analysis of the enabling financial environment: Société Mutuelle de Services Agricoles (SMSA, the Tunisian Cooperatives), Groupement de Développement Agricole (GDA, local associations that are tasked with the collective management of natural resources including for agriculture), contract farming system, Social and Solidarity Economy organizations, to cite the most prominent examples. Farmers organizations would be considered as both, end users of finance provision as well as intermediaries providing access to finance to their members. The analysis will consider the following: both investment and operating costs; long term and seasonal (short term) financial needs; the disaggregated financial needs of different organization types; the disaggregated needs related to specific value chains activities (e.g., farm operation costs, post-harvesting investments, processing investments); and specific value chains or sub-sectors that are selected for the operations of PEAD. The market analysis would build on the existing literature, exchange with other projects currently active in similar research and already deployed efforts, including GIZ, FAO and WB previous reports, to avoid offering existing results.
As part of the work package 2, the product development process would be done in close collaboration with potential partner financial institutions. The product development process must be centered on farmers" organizations as customer segment or distribution channel. The project favors the adoption of concepts such as value chain finance (e.g., value links, contract farming), where farmers organizations can have a role to play to inform and organize farmers. The project will consider both new projects tailored to farmers" organizations or adapting existing products currently offered by financial institutions. This modelling should consider combining financial and other services (e.g., Investment incentives, technical and entrepreneurship advisory services, digital solutions). This mission should also support financial institutions on how the new product and services can be disseminated and marketed.
The training and coaching activities of work package 3 are directed to selected farmer organizations whose development and market inclusion are supported by the project. The mission builds existing training materials by GIZ. Financial literacy is run to complement and optimize the impact of other training cycles. The latter are organized for famers and their organizations to improve the economic and agricultural management of their agricultural enterprises.
In the light of the pandemic, the mission must obey to a health and hygiene protocol adapted to the activities.