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

Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH

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.

Deadline

Die Frist für den Eingang der Angebote war 2022-12-13. Die Ausschreibung wurde veröffentlicht am 2022-11-10.

Anbieter

Die folgenden Lieferanten werden in Vergabeentscheidungen oder anderen Beschaffungsunterlagen erwähnt:

• ALTAI SAS

Wer?

• Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH

Wie?

Wo?

• Darmstadt › Main-Taunus-Kreis

Geschichte der Beschaffung

Datum	Dokument
2022-11-10	Auftragsbekanntmachung
2023-03-01	Bekanntmachung über vergebene Aufträge

Auftragsbekanntmachung (2022-11-10)
Objekt
Umfang der Beschaffung
Titel: Beratungsdienste im Bereich Wirtschaftsförderung
Referenznummer: 81290017
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.

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.

Metadaten der Bekanntmachung
Originalsprache: Englisch 🗣️
Dokumenttyp: Auftragsbekanntmachung
Art des Auftrags: Dienstleistungen
Verordnung: Europäische Union, mit GPA-Beteiligung
Gemeinsames Vokabular für öffentliche Aufträge (CPV)
Code: Beratungsdienste im Bereich Wirtschaftsförderung 📦
Zusätzlicher CPV-Code: Dienstleistungen von Zentralbanken 📦
Ort der Leistung
NUTS-Region: iq 🏙️

Verfahren
Verfahrensart: Offenes Verfahren
Angebotsart: Angebot für alle Lose
Vergabekriterien
Wirtschaftlichstes Angebot

Öffentlicher Auftraggeber
Identität
Land: Deutschland 🇩🇪
Art des öffentlichen Auftraggebers: Sonstiges
Name des öffentlichen Auftraggebers: Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH
Postanschrift: Dag-Hammarskjöld-Weg 1 - 5
Postleitzahl: 65760
Postort: Eschborn
Kontakt
Internetadresse: https://www.giz.de 🌏
E-Mail: daniel.backhouse@giz.de 📧
Telefon: +49 6196792981 📞
Fax: +49 619679802981 📠
URL der Dokumente: https://ausschreibungen.giz.de/Satellite/notice/CXTRYY6YGYD/documents 🌏
URL der Teilnahme: https://ausschreibungen.giz.de/Satellite/notice/CXTRYY6YGYD 🌏

Referenz
Daten
Absendedatum: 2022-11-10 📅
Einreichungsfrist: 2022-12-13 📅
Veröffentlichungsdatum: 2022-11-15 📅
Kennungen
Bekanntmachungsnummer: 2022/S 220-632343
ABl. S-Ausgabe: 220
Zusätzliche Informationen

All communication takes place in English via communication tool in the project area of the procurement portal. Bekanntmachungs-ID: CXTRYY6YGYD

Objekt
Umfang der Beschaffung
Kurze Beschreibung:

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.

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.

Dauer: 12 Monate
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:

Bezeichnung des von der EU finanzierten Projekts oder Programms: MIDEAST/2021/428-473
Ort der Leistung
Hauptstandort oder Erfüllungsort: GIZ Irak Harlow Riverside Compound 00000 Bagdad, Iraq

Rechtliche, wirtschaftliche, finanzielle und technische Informationen
Bedingungen für die Teilnahme
Befähigung zur Berufsausübung:

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.

Wirtschaftliche und finanzielle Leistungsfähigkeit:

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.

Technische und berufliche Fähigkeiten:

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.

Verfahren
Rechtsgrundlage: 32014L0024
Zeitpunkt des Eingangs der Angebote: 12:00
Sprachen, in denen Angebote oder Teilnahmeanträge eingereicht werden können: Englisch 🗣️
Gültigkeitsdauer des Angebots: 2023-03-31 📅
Datum der Angebotseröffnung: 2022-12-13 📅
Zeitpunkt der Angebotseröffnung: 12:00

Öffentlicher Auftraggeber
Identität
Andere Art des öffentlichen Auftraggebers: Legal person governed by private law (gemeinnützige GmbH) wholly owned by the Federal Republic of Germany
Kontakt
Dokumente URL: https://ausschreibungen.giz.de/Satellite/notice/CXTRYY6YGYD/documents 🌏

Referenz
Zusätzliche Informationen

All communication takes place in English via communication tool in the project area of the procurement portal.

Bekanntmachungs-ID: CXTRYY6YGYD

Ergänzende Informationen
Körper überprüfen
Name: Die Vergabekammern des Bundes
Postanschrift: Villemombler Straße 76
Postort: Bonn
Postleitzahl: 53123
Land: Deutschland 🇩🇪
Telefon: +49 2289499-0 📞
E-Mail: vk@bundeskartellamt.bund.de 📧
Fax: +49 2289499-163 📠
Internetadresse: https://www.bundeskartellamt.de 🌏
Informationen zu Fristen für Nachprüfungsverfahren:

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.

Quelle: OJS 2022/S 220-632343 (2022-11-10)

Bekanntmachung über vergebene Aufträge (2023-03-01)
Objekt
Umfang der Beschaffung
Gesamtwert des Auftrags: 474 720 EUR 💰
Metadaten der Bekanntmachung
Dokumenttyp: Bekanntmachung über vergebene Aufträge

Verfahren
Angebotsart: Entfällt

Referenz
Daten
Absendedatum: 2023-03-01 📅
Veröffentlichungsdatum: 2023-03-06 📅
Kennungen
Bekanntmachungsnummer: 2023/S 046-134186
Verweist auf Bekanntmachung: 2022/S 220-632343
ABl. S-Ausgabe: 46
Zusätzliche Informationen
Bekanntmachungs-ID: CXTRYY6Y75A

Verfahren
Vergabekriterien
Qualitätskriterium (Bezeichnung): Technical Assessment
Qualitätskriterium (Gewichtung): 70
Preis (Gewichtung): 30.00

Auftragsvergabe
Datum des Vertragsabschlusses: 2023-02-27 📅
Name: Altai sas
Postanschrift: 11 bis rue de Milan
Postort: Paris
Postleitzahl: 75009
Land: Frankreich 🇫🇷
Telefon: +33 661774293 📞
E-Mail: rbaudeau@altaiconsulting.com 📧
Land: Paris 🏙️
Internetadresse: http://www.altaiconsulting.com/ 🌏
Gesamtwert des Auftrags: 474 720 EUR 💰
Informationen über Ausschreibungen
Anzahl der eingegangenen Angebote: 2
Quelle: OJS 2023/S 046-134186 (2023-03-01)

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