procurement adverts

EFInA
REQUEST FOR PROPOSALS ROUND 7 – WINDOW 1

EFInA invites all eligible organisations to apply for the Request for Proposals round 7 (RFP 7) of the Innovation Grant. RFP 7 has two windows: Window 1 will only consider proposals that seek to increase the uptake and usage of micro savings, micro loans and/or microinsurance products, preferably utilising electronic payment channels, among the low income women nationwide and/or any customer in Northern Nigeria.
(1) Background Information
Women
According to the EFInA Access to Financial Services in Nigeria 2014 survey (A2F 2014 survey), there are 50 million adult women (54% of the adult population) in Nigeria. Among the total adult women population, 21.9 million are formally included, 6.7 million use only informal products e.g., esusu and ajo, and 21.4 million are financially excluded. In comparison with men, there are 43.5 million adult men in Nigeria, 23.5 million are formally included, 4.5 million use only informal products, and 15.5 million are financially excluded. Compared with men, more women are financially excluded.
The A2F 2014 survey also revealed that while 30.1 million women save or keep their money aside, 13.6 million save at home and only 206,000 have an insurance product. The demand for insurance is significant as 6.7 million would be interested in micro-insurance. Furthermore, 3.8 million women who are interested in insurance products would consider using micro-insurance products for business/goods/stock. There is an untapped credit market as 44.3 million adult women have not taken any loan facility in the past twelve months.
In terms of earning potential, among the women who are financially excluded, 14 million adult women earn seventy thousand Naira and below as monthly income.
Northern Nigeria
(North East and North West Geopolitical Zones)
According to the EFInA Access to Financial Services in Nigeria 2014 survey (A2F 2014 survey), there are 31.9 million adults in North East and North West geopolitical zones (representing 34% of the entire adult population) in Nigeria. Among the total adult population in the North East and North West, 10.3 million (32% of North East and North West adult population) are formally included in the financial system; 2.4 million (8% of North East and North West adult population) use only informal products e.g., esusu and ajo; 19.3 million (60% of North East and North West adult population) are financially excluded.
In comparison with other four geopolitical zones (North Central, South East, South South and South West), there are 61.6 million adults of which 35.2 million (57% of the adult population of the other four geopolitical zones) are formally included in the financial system; 8.8 million (14% of the adult population in the other four geopolitical zones) use only informal products; 17.6 million (29% of the adult population in the other four geopolitical zones) are financially excluded.
Furthermore, 72% of the adult population in the North West and North East are more likely to save at home compared to 31% of adult population in the other four geopolitical zones that save at home.
It is worth noting that the demand for insurance is significant as 1.5 million adults in the North East and North West are interested in microinsurance products for business/goods/stock. Moreover, there is a potential market for loan products as 26.7 million adults in the North East and North West geopolitical zones did not take any loan facility or borrow in the past twelve months. Financial services providers may also consider offering non-interest loan and

(2) What is EFInA Looking For?
• Applicants must have a track record of providing micro financial products, i.e., micro savings, micro loans, or microinsurance.
• Applicants must have piloted and tested their financial products prior to applying for the Innovation Grant.
• Partnerships are encouraged; however, applicants must demonstrate that they have experience with strategic partnerships that have led to successful implementation of projects.
• Applicants should provide a sound distribution strategy for the low income women nationwide and/or any customer in Northern Nigeria.
• Applicants must provide compelling agent value propositions, where a digital channel is utilised.
• Applicants must define clear targets and provide credible justification for reaching the targets
• Applicants must develop effective customer awareness that demonstrate the benefits of the products/services offered to customers
• Applicants must provide evidence that they have the resources to match at least a 1:1 funding ratio
(3) Which Organizations Can Apply?
• Licensed Financial Institutions (e.g., Deposit Money Banks, Microfinance Banks, Insurance Providers, etc.).
• Licensed Mobile Money Operators, where applicable
• Licensed Super Agents, where applicable
EVALUATION CRITERIA

CRITERIS RATING CONSIDERATIONS
Organizational Assessment 20% • Demonstrate evidence that the product has been piloted and tested prior to applying for the Innovation Gram
• Describe the organisation’s lessons from the pilot, what areas of the pilot were unexpected, i.e., exceeded expectations or fell short of expectations? How will the products/services be modified, if relevant, before rollout or scale-up?
• Demonstrate the long term profitability of the products/services
• Ust all the sources of revenue for the products/services
• Provide the cost structure for delivering the products, including the CAPEX and OPEX requirements
• Provide evidence that the board of your organisation is committed to implementing this project (in terms of strategic direction, funding and other resources needed) for the proposed project duration and beyond
• Provide the Implementing team structure – who will be involved in implementing this project, what are their titles and roles? include past achievements of each team member (attach the CVs)
• Highlight the risks (internal and external factors) that could influence the success of the products roll-out (e.g., regulatory environment infrastructure conditions, socio-economic conditions, market maturity, etc.)
• Provide an assessment of the capabilities of your organisation that will ensure success of the product/service roll-out or scale up
• If partners are involved in the roll out or scale-up of the products/services, provide a Partnership assessment that describes, the strengths, weaknesses, risks and roles of each partner.

Customer Value Proposition 20% • Using evidence and data, describe your customers’ pain points and the existing, traditional alternatives to solving these pain points today
• What problem will be solved by offering, the products/services?
• Briefly define the products/services’ use case for the customer
• Describe your customer Journey and touch points with your business and any partners, from awareness to utilisation
• How many additional customers will the products serve in the next 24 months?
• What is your strategy for reaching the unbanked and under banked population from awareness to activation? What channels will be used to reach these customers?
• Describe your plans to provide customer service. How can customers register their complaints about the products/services. Include the redress mechanisms
• What is the plan for educating customers on the benefits of the products/services offered?
• What incentives, if any, will be provided to ensure that the customers take up the financial products and remain active?
Agents Value Proposition las applicable 20% • Do you need agents as part of your end-to-end offering? If so, describe the ideal agent
• Describe the role agents win play, what is expected of them. Please describe the type of agents that will be utilised e.g., direct sales agents or small businesses
• Describe your agent network management strategy
• What is the agent’s value proposition?
• How will your organisation identify potential new agents? What is your recruitment strategy?
• Demonstrate the organisation’s plan to provide customer service to the agents
• Provide the organisation’s plan to train and re-train agents? How will the organisation demonstrate evidence that agents have retained the training?
• Which Incentives, if any, will be provided to ensure that agents remain active?
• What proportion of agents will be women? what is the plan to acquire and retain female agents?
• What proportion of agents will be from Northern Nigeria, If applicable
• Provide a breakdown of the agent’s expected commission in the first 6 months, first year and by the end of the second year
• Explain the plan for agents’ liquidity management. How will that plan change in different geographies, if applicable?
• Provide the organsation’s plan to train and re-train agents? How will the organization demonstrate evidence that agents have retained she training?

Delivery Mechanism & Supporting Technology 15% • What is your organisation’s product/service distribution strategy?
• What states will be targeted in the next 24 months?
• What will be the digital components of the products/services, where applicable?
• Provide a price list of all products/services as well as terms and conditions that will be offered to the customers
• Can the product offerings be replicated across the country?
• What technology will be employed to extend the reach of the product/service and potentially reduce the cost for customers?
• Is the technology required to implement this project already in place or will the current technology require change as part of this project?
• How will the organisation ensure that the technology platform utilised is secure and consumer data is protected?

Innovative 15% • What is Innovative about the products/services?
• Provide Justification for requesting donor funding for these products/services
• How will the innovation enhance the financial inclusion and the lives of the customers and/or agents?

Developmental Impact 10% • Will these products/services have the potential to further the financial inclusion agenda in Nigeria?
• What is the development impact of the products on women, where applicable?
• What is the development Impact for potential customers in Northern Nigeria, where applicable?

(4) How to Apply
All applicants must complete the Innovation Grant Application Form and Templates. For further information on the application and submission process, please visit: http://www.efina.org.ng/innovationRFP
All completed grant application forms, templates and required documentation should be submitted to the EFInA Grants Team at innovation@efina.org.ng by 6:00 pm., on Monday, September, 12th 2016.EFInA will notify all applicants of the outcome of their applications by Monday, December 5th 2016.

Federal Ministry of Interior
Federal Fire Service
Fire Headquarters, Area 10, Muhammadu Buhari Way
P.M.B 43, Garki – Abuja

Addendum
Invitation to Tender
Introduction
Following some observed omissions in our adverts in Federal Tenders Journal, Punch and Daily Trust Newspapers of 11th July, 2016 titled “invitation for Pre-qualification/Tender”, the Service has suspended the pre-qualification and extended the closing date tor submission of Tenders (Technical/Financial) to29th August, 2016.
(A) PURCHASE FIRE FIGHTING EQUIPMENT
Lot 1: Supply of Water Tankers (10,000 Ltrs Capacity)
Lot 2: Supply of Mobile Workshop (Auto)
Lot 3: Supply of Heavy Duty Lorry
(B) REHABILITATION OF FIRE FIGHTING EQUIPMENT
Lot 1: Rehabilitation of Fire Fighting Truck (Water Tenders)-Abuja
Lot 2: Rehabilitation of Fire Fighting Truck (Water Tenders)-Lagos
(C) PROCUREMENT OF MOTOR VEHICLES
Lot 1: Supply of Operational Cars/vehicles
Lot 2: Supply of Bus
Lot 3: Supply of Utility Pick-Up Van
(2.0) All interested Contractors should collect bid document with the payment of non-refundable fee of N20.000.00 (Federal Fire Service TSA account at any bank) at the procurement office from Monday 8th August 2016. However, payments made in the suspended pre-qualification advert remain valid in the current advert.
(3.0) MANDATORY REQUIREMENTS:
Prospective Contractors are required to submit the following without which the firm will be disqualified: Complete company profile with the following items:
(i) Evidence of registration with Corporate Affairs Commission (CAC)
(ii) Evidence of Tax Clearance for the last three (3) years (2013, 2014 & 2015)
(iii) Company’s Audited Account for the last three (3) years (2013, 2014 & 2015)
(iv) Evidence of financial capacity and Banking Support, to the amount of the lot applied for
(v) Key personnel experience technical qualification
(vi) Evidence of compliance with the provision of the National Social Insurance Trust Fund (NSITF) – Certificate of Compliance
(vii) Evidence of contribution to the Industrial Training Fund (ITF) with certificate of compliance.
(viii) Evidence of compliance with provision of Pension Reform Act 2004 as contained in Section 16(6d) of the Public Procurement Act (2007)
(ix) Evidence of similar projects executed with certificates of completion.
(x) Affidavit of disclosure, whether any Officer of Fire Service or Bureau for Public Procurement (BPP) is a former or present director of company
(xi) Affidavit showing that no director of company has been convicted in any country for any criminal offence relating to fraud or financial impropriety
(xii) Affidavit showing that the company is not in receivership, and
(xiii) Evidence of registration (or Interim Registration Report) in the National Database of Contractors, Consultants and Service providers of Bureau for Public Procurement (BPP).
(4.0) SUBMISSION OF BIDS
Contractors should submit neatly bound and signed technical and financial bid in different envelopes marked “Technical Bid” and “Financial Bid” with the lot indicated e.g. (A Lot 1) and the contractors’ name and address at the reverse side of the envelopes, addressed to: the Secretary, Service Tenders Board, Federal Fire Service, Area 10, Garki-Abuja.
(5.0) CLOSINC/BID OPENING
All bids must be deposited in the Bid Boxes provided at the Procurement office on or before 12:00pm on 29th August, 2016. Public opening of Technical Bid will be at the Federal Fire Service Lecture Hall by 12:00pm, on the 29th August, 2016. Qualified Bidders shall be invited to witness the opening of financial bid later.
Signed:
Agu, C.K
Secretary, Service Tenders Board

THE ADVERT REFERRED TO ABOVE IS SHOWN BELOW
FEDERAL MINISTRY OF INTERIOR
FEDERAL FIRE SERVICE
Fire Headquarters, Area 10, Muhammadu Buhari Way,
P.M.B 43, Garki- Abuja.
INVITATION FOR PRE-QUALIFCATION/TENDER
INTRODUCTION
The Federal Fire Service, Abuja invites experienced and reputable registered Contractors/Companies to submit bids for pre-qualification for the following projects of the Service:
A. PURCHASE OF FIRE FIGHTING EQUIPMENT
LOT 1: Supply of Water Tankers (10,000 Ltrs Capacity)
LOT 2: Supply of Mobile Mechanical Workshop (Auto)
LOT 3: Supply of Heavy Duty Lorry
B. REHABILITATION OF FIRE FIGHTING EQUIPMENT
LOT 1: Rehabilitation of Fire Fighting Truck (Water Tenders) Abuja
LOT 2: Rehabilitation of Fire Fighting Truck (Water Tenders) Lagos
C. PROCUREMENT OF MOTOR VEHICLES
LOT 1: Supply of Operational Cars/Vehicles
LOT 2: Supply of Bus
LOT 3: Supply of Utility Pick-up Van
2.0 PRE-QUALIFICATION DOCUMENTS
Complete Company’s Profile with the following items:
i. Evidence of registration with Corporate Affairs Commission (CAC)
ii. Evidence of Tax Clearance for the last three (3) years i.e. (2013, 2014 & 2015)
iii. Company’s Audited Account for the last three (3) years (2013, 2014 & 2015)
iv. Evidence of financial capacity and Banking Support
v. Key personnel experience/technical qualification
vi. Evidence of compliance with the provision of National Social Insurance Trust Fund (NSITF)
vii. Evidence of contribution to the Industrial Training Fund (ITF)
viii. Evidence of compliance with the provision of Pension Reform Act 2004 as contained in Section 16(6d) of the Public Procurement Act (2007)
ix. VAT registration and evidence of past VAT remittances
x. Evidence of similar project executed
xi. Affidavit of disclosure, whether any officer of Fire Service or Bureau of Public Procurement (BPP) is a former or present Director of Company
xii. Affidavit showing that no Director of Company has been convicted in any Country for any criminal offence relating to fraud or financial impropriety
xiii. Evidence of registration on the National Database of Contractors, Consultants and Service Providers of Bureau of Public Procurement (BPP) and
xiv. Evidence that the Company is not under receivership
3.0 SUBMISSION OF DOCUMENTS
All pre-qualification documents should be neatly bound and submitted in sealed envelope boldly marked at the top right hand corner “PREQUALIFICATION” with the Lot indicated; e.g. (A Lot 1), as the case may be, ON OR BEFORE 8TH AUGUST, 2016, addressed to:
The Secretary
Service Tenders Board
Federal Fire Service
Area 10,
Garki-Abuja
4.0 All pre-qualified Contractors will be invited for Tender Documents Collection within one (1) week of pre-qualification with evidence of payment of a non-refundable fee of N20,000. All submissions close at 12.00noon on the last day of bid submission 8TH AUGUST, 2016
5.0 FINANCIAL BID
Financial Bid documents should be deposited in the Tender Box at the Procurement Office not later than 12noon on the 8th August, 2016. Public Opening of Financial Bid Documents will be at the Federal Fire Service Lecture Hall by 12noon on the 8th August, 2016.
Signed
Agu. C. K
Secretary, Service Tenders Board

Urban Water Sector Reform and Port Harcourt Water Supply and Sanitation Project
Request for Expression of Interest Design Review and Finalization of Tender Documents for the Port Harcourt Water Supply and Sanitation Project PHWSSP

(1) Introduction
The Rivers State Government (hereinafter called) “Borrower” has received financing from the African Development Bank towards the cost of implementing the Urban Water Sector Reform and Port Harcourt Water Supply and Sanitation Project. The Port Harcourt Water Corporation (PHWC), an implementing agency of the Borrower, intends to apply a portion of the proceeds of this loan to eligible payments under the contract for which this invitation for Expressions of Interest (EOI) is issued.
• The overall objective of the project is to establish the supply of potable water and improve sanitation facilities within Port-Harcourt and Obio/Akpor. The aim is to meet projected demand of these services up to the year 2040. This purpose will be achieved through the following results:
• The securing of water production for the project area, expansion of storage facilities and distribution networks and installation of new metered connections within Port-Harcourt and Obio/Apkor LGAs.
• The establishment of appropriate institutional and organizational arrangements for the effective operation and maintenance of the completed schemes.
To this effect, the project is structured around four components: (i) Rehabilitation and expansion of the existing water infrastructure; protection of the water source; and construction of public sanitation and some sewerage facilities; (ii) Institutional Support covering capacity building of the recently established Port-Harcourt Water Corporation, consumer outreach, environmental protection, and longer-term planning for comprehensive sanitation services; and (iii) Hygeinem Sanitation and Environment in Port-Harcourt (iv) Project Management. The population in the project area is primarily low income households, which requires special considerations in delivery mechanisms and tariff setting for affordability and sustainability.
A design was prepared for the project in 2011. This design was reviewed and tender documents prepared in 2014. However, in preparing for the project implementation it has been determined there is need to conduct a review of the design and finalize the tender documents within the current project scope in order to ensure optimisation of current and planned infrastructure, documents.
(2) OBJECTIVE OF THE ASSIGNMENT
The objectives of the Consultancy are:
(i) Review the full project design completed in 2015.
(ii) Review tender documents prepared in 2015.
(iii) Review the scope of the design in line with the current Project funded by the donors.
(iv) Finalize the engineering design, Bill of Quantities (BOQ) and cost estimates for the work and engineering drawings responding to the available resources.
(v) Produce standard tender documents according to the requirements of the African Development Bank (AfDB) and the World Bank (WB) for all the construction work.
(3) SCOPE OF WORK
The project design to be reviewed is broadly described in Section 1 and the consultant will be responsible for the following tasks:
(i) Review and confirm the design criteria based on the results presented in the socio economic survey report;
(ii) Check/optimize the scheme design, distribution network layout and reservoir locations responding to survey data and technical options for different target areas including low income households;
(iii) Analyse various energy options and recommend the most economically viable and sustainable power supply system for the pumps, electro-mechanical components, small power and lighting systems.
(iv) Ensure that the design reflects the expected effects of climate change, paying Special attention to the protection of wells from flooding;
(v) The design review will present opportunities for optimizing energy use by employing renewable energy powered pumps, employing low energy use materials and other interventions, The review consultant will identity the opportunities and indicate how they may be put into by writing a short concept
(vi) Review pipe materials, diameters, water transmission networks, distribution towers and electrical device design characteristics;
(vii) Review the revised Environmental and Social Impact Assessment (ESIA), the associated Environmental and Social Management Plan (E5MP) and Resettlement Action Plan (RAP) and where necessary incorporate recommendations that are relevant;
(viii) Generate appropriate detailed working drawings, Bill of Quantities, cost estimates and produce revised tender documents;
(ix) During the review the consultant should consider the priorities of any long or medium term urban planning that has been completed for the target area;
(x) The Consultant shall note that in identifying and assessing technology options, the full lifecycle Costs of the infrastructure shall be considered, emphasizing low cost operational technologies and materials;
(xi) The Consultant shall prepare a short summary description of the main tasks to be carried out during the finalization of the tender documents as defined in this TOR, which will constitute the method statement for the performance of the future services.
(4) SELECTION
The PHWC now invites expressions of interest from Consultants to undertake the design review and Finalization of tender documents for the Port Harcourt Water Supply and Sanitation Project. Interested Consultants must provide information indicating that they are qualified for perform the assignment (brochures, description and experience of similar assignments, availability of appropriate skills among staff, etc.). Specifically, Consultants are to provide the following information, at a minimum:
(i) A full company profile, with all details (address, contract person, telephone / fax numbers, e-mail).
(ii) General organizational capability and resources (staffing, years of experience).
(iii) A company CV
(iv) Evidence of joint venture partnership agreements where consultants intend to associate.
(v) Specific CVs of the key expert listed below.
(5) SELECTION CRITERIA
Criteria for the selection of the Consultant(s) include proven experience in similar assignments during the last 7 years. Furthermore:
(i) The consultant’s) should have enough manpower, expertise, infrastructure and other facilities to conduct the entire assignment. A brief personnel profile table, indicating tentative manpower requirements for the assignment is given below:
(ii) The consultant(s) should have the adequate capacity for training and the ability to produce quality reports in English.
(iii) In addition to the characteristics below, all proposed staff must be fully computer literate in major Microsoft Office, e-mail, internet and utility functions.
PERSONNEL PROFILES: Only the proposed personnel assessed will be accepted to undertake the assignment

Personnel Minimum Qualification
Water and Sanitation Engineer/Team Leader Master’s degree in Civil or Water Engineering or related. Not less than is years of experience in water system design/construction. At least 10 years’ in management of design teams for urban water supply. Familiarity with AfDB/WB procurement and contracts procedures is desired. Specific experience in at least two infrastructure projects of comparable size. Experience in Carrying out similar assignment in more than one country will be considered an advantage-
Quantity Surveyor Degree in Quantity Surveying, Building, Civil Engineering or related fields with relevant post graduate training. Not less than l0 years’ general experience in producing tenders, planning costs and preparation of Bill of Engineering Measurements and Evaluation (BEME) as well as familiarity with AfDB/WB procurement and contracts. Specific experience in at least two large infrastructure projects of comparable size. Familiarity with AfDB/WB procurement and contracts procedure is desired.
Energy Expert A graduate engineer or a related qualification with training and work experience that reflects significant background in power systems, sustainable energy use, sustainable sources of energy, conservation, alternatives, energy balances and cost benefit analysis. 10 years general experience and a minimum of 7 years specific experience in large projects of comparable size is desirable. Experience in carrying out similar assignment in more than one country will be considered an advantage.
Hydraulic Engineer Degree in Civil or Water/Mechanical Engineering or any related fields with post graduate training. Not less than 10 years general experience, not less than 5 years specific experience in at least two urban water supply projects comparable size. Experience in carrying out similar assignment In more than one country will be considered an advantage.
Electro mechanical Engineer Degree in Electrical or Mechanical Engineering or any related fields with relevant post graduate training in Instrumentation/Control Engineering. Not less than l0 years’ experience. Specific experience In at least 2 infrastructure projects of similar size/complexity as the PHWSSP is desired.
In addition
• In order to increase the skills base of local youth, project consultants and construction contractors are required to recruit fresh graduates engineers, social scientists, financial experts etc to improve the employability of local graduates.
• The consultant should always, in so far as is possible, ensure a representative gender focus in hiring personnel, contact with project stakeholders in general and always adopting a gender sensitive focus in links with the client and Rumuola communities.
(6) PROCUREMENT METHOD
The procurement method shall be Selection based on the AfDB’s Consultant’s Qualification Selection (CQS), The Consultant will be evaluated based on their qualifications and references of executed assignments.
(7) ELIGIBILITY
Eligibility criteria, establishment of the short list and the selection procedure are in accordance with the African Development Bank’s “Rules and Procedures for the use of Consultants” May 2008 edition, revised July, 2012; which is available on the Bank’s website at http://www.afdb.org/en/projects-and-operations/procurement/
(8) DEADLINE AND DELIVERY
Your Expression of Interest (EOI) should reach the address below on or before 12:00PM (local time) 19th August, 2016. Expressions of interest will be accepted only as printed, hard (paper) copies and must be accompanied by a soft copy on CD/DVD. Expressions of Interests by e-mail will not be accepted.

The Managing Director,
Port Harcourt Water Corporation, No. 6 Water Works Road, Rumuola, Port Harcourt E-mail:mdphwc@gmail.com; Projects@portharcourtwater.com,
Tel: +234 (0)8099906217

Request for Proposals
EFInA
Request for Proposals Round 7 – Window 2

EFInA invites all eligible organisations to apply for the Request for Proposals round 7 (RFP 7) for the Innovation Grant. RFP 7 has two windows; Window 2 will only consider proposals that seek to increase the uptake and usage of savings, loans and/or insurance products among small-scale agricultural producers and agricultural entrepreneurs, using electronic payment channels and digital financial services, where relevant.
(1) Background Information
The EFInA Access to Financial Services in Nigeria 2014 survey revealed that agriculture is the main source of income for 20 million adults in Nigeria. Of that population, 6.5 million are formally served with financial products, 3.6 million are informally served using informal products such as ajo, esusu, etc., while 9.8 million are completely financially excluded.
Furthermore, out of the total population whose main source of income is agriculture, 14.1 million adults get their income from small scale farming. Those earning from small scale fanning are less likely to have financial access as 7.5 million are financially excluded.
Of the 20 million adults whose main income is agriculture, 12.5 million currently save while 7.5 million do not currently save. In addition, 2.6 million of them have taken a loan in the past 12 months. Of those who have not taken a loan, 1.3 million (7.5% of adults earning from agriculture who did not take a loan in the past 12 months) do not know where to go to get a loan. Furthermore, a mere 0.3% of the adults whose main income is from agriculture (54,691 adults) have an insurance product. Those who do not have insurance state the reason for not having insurance is that they do not know the benefit of having insurance or they can’t afford insurance.
However, there is an opportunity to offer financial products to the agricultural producers and agricultural entrepreneurs. As such, 2.5 million of those earning from agriculture have at one time applied for a loan. In addition, 4.6 million of those earning from agriculture can be encouraged to take up insurance if they know/understand the benefits and if insurance is affordable.
As a result of these findings, EFInA is seeking to enable the provision of financial products to small scale agricultural producers and agricultural entrepreneurs. Applicants should provide a compelling proposition for expanding access to formal financial products/services for this population.
(2) What is EFInA Looking For?
• Applicants must have a track record of providing financial products i.e., savings, loans and/or insurance, to small-scale agricultural producers and entrepreneurs, preferably using digital delivery channels
• Applicants must have piloted and tested their financial products prior to applying for the Innovation Grant
• Partnerships are encouraged; however, applicants must demonstrate that they have experience with strategic partnerships that have led to successful implementation of projects
• Applicants should provide a sound distribution strategy for reaching small-scale agricultural producers and agricultural entrepreneurs
• Applicants must provide compelling agent value propositions, where a digital channel is utilised
• Applicants must define clear targets and provide credible justification for reaching the targets
• Applicants must develop effective customer awareness materials that demonstrate the benefits of the products/services offered to customers
• Applicants must provide evidence that they have the resources to match at least a 1:1 funding ratio
(3) Which Organisation Can Apply?
• Licensed Financial Institutions (e.g., Deposit Money Banks, Microfinance Banks, Insurance Providers, etc.)
• Licensed Mobile Money Operators.
• Licensed Super Agents
EVALUATION CRITERIA
CRITERIS RATING CONSIDERATIONS
Organizational Assessment 20% • Demonstrate evidence that the product has been piloted and tested prior to applying for the Innovation Grant
• Describe the organisation’s lessons from the pilot. What areas of the pilot were unexpected. i.e., exceeded expectations or fell short of expectations? How will the products/services be modified, if relevant, before roll-out or scale-up?
• Demonstrate the long term profitability of the products/services
• List all the sources of revenue for the products/services
• Provide the cost structure for delivering the products, including the CAPEX and OPEX requirements
• Provide evidence that the board of your organisation is committed to implementing this project (in terms of strategic direction, funding and other resources needed) for the proposed project duration and beyond
• Provide the Implementing team structure – who will be involved in implementing this project, what are their titles and roles? Include past achievements of each team member (attach the CVs)
• Highlight the risks (Internal and external factors) that could influence the success of the products roll-out
• Provide an assessment of the capabilities of your organisation that will ensure success of the product/service roll-out or scale up
• If partners are involved in the roll-out or scale-up of the products/services, provide a partnership assessment that describes, the strengths, weaknesses, risks and roles of each partner

Customer Value Proposition 20% • Using evidence and data, describe your customers’ pain points and the existing, traditional alternatives to solving these pain points today
• What problem will be solved by offering the products/services?
• Briefly define the products/services’ use case for the customer
• Describe your customer Journey and touch points with your business and any partners, from awareness to utilisation
• Haw many additional customers will the products serve in the next 24 months?
• What is your strategy for reaching the unbanked and under-banked population from awareness to activation? What channels will be used to reach these customers?
• Describe your plans to provide customer service. How can customers register their complaints shout the products/services. Include the redress mechanisms
• What is the plan for educating customers on the benefits of the products/services offered?
• What incentives. If any, will be provided to ensure that the customers take up the financial products and remain active?

Agents Value Proposition 20% • Do you need agents as part of your end-to-end offering? If so, describe the ideal agent
• Please describe the role agents will play, what is expected of them. Please describe the type of agents that will be utilised e.g., direct sale agents or small businesses
• Describe your agent network management strategy
• What is the agent’s value proposition?
• How will your organisation identify potential new agents? What is your recruitment strategy?
• Demonstrate the organisation’s plan to provide customer service to the agents Provide the organisation’s plan to train and re-train agents? How will the organisation demonstrate evidence that agents have retained the training?
• Which incentives, if any, will be provided to ensure that agents remain active?
• What proportion of agents will be women? What is the plan to acquire and ream female agents?
• What proportion of agents will be from Northern Nigeria, If applicable
• Provides breakdown or the agent’s expected commission in the first 6 months, first year and by the end of the second year
• Explain the plan for agents’ liquidity management. How will tint plan change in different geographies, if applicable?
• Provide the organisation’s plan to train and re-train agents? How will tile organisation demonstrate evidence that agents have retained the training?

Delivery Mechanism & Supporting Technology 15 % • What is your organisation’s product/service distribution strategy?
• What states will be targeted In the next 24 months?
• What will be the digital components of the products/services, where applicable?
• Provide a price list of all products/services as well as terms and conditions that will be offered to the customers
• Can the product offerings be replicated across the country?
• What technology will be employed to extend the reach of the product/service and potentially reduce the cost for customers?
• Is the technology required to implement this project already in place or will the current technology require change as part of this project?
• How will the organisation ensure that the technology platform utilised is secure and consumer data is protected?

Innovation 15% • What is Innovative about the products/services?
• Provide justification for requesting donor funding for these products/services
• How will the innovation enhance the financial inclusion and the lives of the customers and/or agents?

Developmental Impact 10% • Will these products/services have the potential to further the financial inclusion agenda in Nigeria?
• What is the development Impact for small-scale agricultural producers and agricultural entrepreneurs?
• How will the financial product/services offered strengthen the agriculture valve chela?

(4) How to Apply
All applicants must complete the Innovation Grant Application Form and Templates. For further information on the application and submission process, please visit: http://www.efina.org.ng/innovationRFP
All completed grant application forms, templates and required documentation should be submitted to the EFInA Grants Team at innovation@efina.org.ng by 6:00 on Monday, 12th September 2016. EFInA will notify all applicants of the outcome of their applications by Monday, December 5th 2016.

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