81290017 - Financial Inclusion for a New Economic Start and Integration - Diagnostic of financial inclusion in Iraq

Kurze Beschreibung

The Multi-Donor Action "Financial Inclusion for Economic Restart and Integration in Iraq" is jointly financed by the European Union and the Federal Ministry for Economic Cooperation and Development (BMZ) and implemented by GIZ as part of the BMZ project "Finanzielle Inklusion für wirtschaftlichen Neubeginn im Irak". The duration of this Action is scheduled from 15.12.2021 to 14.11.2024 with a total budget of EUR 16.050.000 (EU contribution EUR 11.000.000 and BMZ contribution EUR 5.050.000; BMZ"s total funding for the BMZ project "Finanzielle Inklusion für wirtschaftlichen Neubeginn im Irak" is EUR 7.000.000).
The Action is part of and contributes to the Team Europe Initiative (TEI) "Sustainable and in-clusive socio-economic perspectives for Iraq" (2021-2026); the Federal Ministry for Economic Cooperation and Development (BMZ) Special Initiative "Tackling the root causes of dis-placement, reintegrating refugees" and the two EU Special Measures. First, the EU Special Measure 2019/2020 "Support to Governance and Sustainable Job Creation in Iraq" (MID-EAST/2020/042-211 and MIDEAST/2019/041-827), which aims to support economic governance, vocational training, migration management, and job creation through sustainable agriculture and diversification of economic opportunities. Second, the EU Special Measure "Support to the Energy Sector Reform in Iraq" (MIDEAST/2018/ 41-106) which aims to enhance the availability of sustainable, affordable energy and limit the environmental impact of hydrocarbon combustion. The Overall Objective of these two EU Special Measures are "To foster improved governance and promote the sustainable, knowledge-based, and inclusive economic growth in Iraq" and "Ensure increased and more reliable access to energy for the Iraqi population".
The Specific Objective (outcome) of this Action is "Access to inclusive financial services for vulnerable target groups has been sustainably improved". This is achieved through a multi-dimension approach incorporating the supply side through product development with financial service providers, the demand side through financial education and framework conditions particularly through capacity development for inclusive policy-making with Central Bank of Iraq. Equal access, usage and quality for all parts of the population, with specific measures for women, is applied in a cross-cutting approach throughout the 3 dimensions. The Action accordingly has four Outputs, (1) "Developing inclusive financial services", (2) "Enhancing awareness about inclusive financial services and the financing of renewable energies", (3) "Strengthening the capacities of the Central Bank of Iraq to promote and regulate inclusive financial services", and (4) "Improving conditions for women-led businesses to access financial services."
Direct beneficiaries are vulnerable Iraqi population groups such as women, youth, people affected by poverty, forcibly displaced persons (FDPs), returnees, refugees and micro, small and medium enterprises (MSMEs).
Indirect beneficiaries of the Action are the total Iraqi population as they indirectly benefit from enhanced access to financial services across the country.
The Action is based in Baghdad and maintains an office in Basra.

Beschreibung der Beschaffung

The overall objective of this assignment is to assist the Central Bank of Iraq (CBI) - primary project partner - and the Central Statistical Organization (CSO) by developing and conducting the first comprehensive in-country diagnostic of the access, use and quality of financial services by individuals and enterprises.
The Diagnostic Study ("the Study") analyzes the financial access, usage and quality strand for Iraq: patterns in the access to, usage and quality of formal and informal financial services among the adult population (including business owners, where available) - for payments, borrowing, saving and investing, and insurance (conventional and Islamic). This extends to factors on the demand, supply or regulatory side enabling or constraining them in the usage of such services (e.g. money management skills, financial literacy, trust, and financial situation).
A desk research compiles available research papers, studies, and data in the CBI and in the financial sector. It includes an assessment of the regulatory framework relevant for financial inclusion, identifies bottlenecks, obstacles or hindering factors for broader and deeper financial inclusion levels in Iraq.
A demand-side study covers a nationally representative household survey. It will be complemented by focus group discussions with the key target group of the project: FDPs, returnees, and women, youth as well as enterprises run by these target groups.
The supply side study includes a survey of financial services providers. Expert panels will yield additional information on potential supply side and regulatory constraints for financial inclusion.
The results of the data collection will inform policies related to improving access and use of financial services in Iraq and be used as inputs to the national financial inclusion strategy. The data will also provide a baseline measurement against which to benchmark future progress, including through the M&E system of the national financial inclusion strategy. The assignment will strengthen the professional and technical capacity of CBI and CSO in consolidating supply side related date and collecting demand side related data in the future.
The Contractor is responsible for achieving:
- An in-country diagnostic of the demand, supply and regulatory conditions for the financial inclusion of individuals, vulnerable groups, and micro, small, and medium-sized enterprises.
- An analysis of the regulatory framework with respect to the barriers for inclusive financial services and opportunities for reforms and innovations for advancing financial inclusion of people and firms.
- An analysis of the demand-side characteristics in financial access/exclusion, usage/preference, and quality patterns among people and firms in general, and vulnerable groups in particular, as well as physical, psychological, socio-economic, literacy constraints to financial inclusion.
- An analysis of the supply-side conditions with respect to financial access, usage, and quality across delivery channels, product categories, and provinces as well as gaps in financial services relevant for the target groups.
Accordingly, the contractor is responsible for the work under the following packages, with the accompanying detailed milestones and deliverables:
- Work package 1: Preparation and desk research
- Work package 2: Demand-side study
- Work package 3: Supply-side study
- Work package 4: Dissemination
For this purpose, the Action commissions consultancy services from a qualified consulting firm ("Contractor") or consortium to assist the CBI in collecting and analyzing data about demand, supply, and regulatory considerations for a diagnostic of financial inclusion in Iraq.

Beschreibung der Verlängerungen

GIZ may optionally commission contract amendments and/or increases based on the criteria in the tender documents to the successful bidder of this tender. For details, please see the terms of reference.

Beschreibung der Optionen

GIZ may optionally commission contract amendments and/or increases based on the criteria in the tender documents to the successful bidder of this tender. For details, please see the terms of reference.

Liste und kurze Beschreibung der Bedingungen

1. Trading name and address, commercial register number and extract from the commercial register and evidence of creditworthiness.
2. Eligibility declaration that no grounds for exclusion in Section 123, 124 of the German Act Against Restraints of Competition (GWB) apply.
3. Eligibility declaration subcontractors if applicable.
4. Association clause if applicable.

Liste und kurze Beschreibung der Auswahlkriterien

1. Average annual turnover for the last three years (last-but-four financial year can be included in case of tenders held within 6 months of end of last financial year), at least: 1,000,000.00 EUR
2. Average number of employees and managers in the last three calendar years, at least 10 persons.

Liste und kurze Beschreibung der Auswahlkriterien

1. The technical assessment is only based on reference projects with a minimum commission value of 200,000.00 EUR.
2. At least 3 reference projects in the technical field Financial Inclusion of which at least 1 reference project in the region MENA in the last 3 years.

Genaue Informationen über Fristen für Überprüfungsverfahren

According to Article 160, Section 3 of the German Act Against Restraint of Competition (GWB), application for review is not permissible insofar as
1. the applicant has identified the claimed infringement of the procurement rules before submitting the application for review and has not submitted a complaint to the contracting authority within a period of 10 calendar days; the expiry of the period pursuant to Article 134, Section 2 remains unaffected,
2. complaints of infringements of procurement rules that are evident in the tender notice are not submitted to the contracting authority at the latest by the expiry of the deadline for the application or by the deadline for the submission of bids, specified in the tender notice.
3. complaints of infringements of procurement rules that first become evident in the tender documents are not submitted to the contracting authority at the latest by the expiry of the deadline for application or by the deadline for the submission of bids,
4. more than 15 calendar days have expired since receipt of notification from the contracting authority that it is unwilling to redress the complaint.
Sentence 1 does not apply in the case of an application to determine the invalidity of the contract in accordance with Article 135, Section 1 (2). Article 134, Section 1, Sentence 2 remains unaffected.