Development of Youth Savings and Loaning Association

4 weeks ago

Nairobi, Nairobi Area, Kenya Practical Action Kenya Full time
Practical Action is an international non-governmental organization (NGO) that uses technology to challenge poverty in developing countries. We find out what people are doing and help them to do it better.
Summary


The project is targeting four (4) main value chains namely poultry, African leafy vegetables, tomatoes, and oil crops (groundnuts and soybeans).

Over the next 5 years, we aim to increase income, and job opportunities for 100,000 (age young people in the nine counties through effecting systems change within the agriculture sector to make this an attractive work sector that offers dignified work.


Additionally, the project will contribute towards poverty reduction within target counties as youth start earning or improve their income levels through skills development, and enhanced access to markets and finance.

The main approaches being used by the project include:

A Mentorship model to increase youth engagement in the agriculture sector.
Regenerative agriculture to improve productivity, increase income and restore natural capital.

Market Systems Development to stimulate long-term sustainable change so that markets operate more effectively for young men and women.

A key aim of the project is to enhance access to appropriate and affordable finance for youth farmers who are financially disadvantaged and don't have collateral for debt financing

Key interventions include:

Establishment of Youth Savings and Loan Associations (YSLAs) or strengthening existing ones and linking them to formal Financial Service Providers (FSPs).

The YSLAs will be anchored on the mentorship model where the mentors will be trained and supported to manage the YSLAs, with a key focus on improving their management systems including utilization of key operational guidelines, tools and platforms such as Chama soft and Dream Save for record keeping.

Engagement in this intervention will also include strengthening the management systems of existing Village Savings and Loaning Associations (VSLAS) that have youth membership.

Engagements with Financial Services Providers (FSPs) to support the development of innovative and scalable models that enable the YSLAs to access more options for affordable and higher financial limits–.

The project will work with Financial and Micro microfinance institutions as well as local cooperatives to improve their product offering and make it attractive to young people.

The

Objective of assignment

The Consultant will provide services including profiling existing VSLAS, conducting a needs analysis of the groups, training (organization development & financial inclusion), and mentoring and coaching the groups to registration.

This will enhance access to financial facilities for young women and men to either expand or better their business operation efficiencies.


Specifically, the consultant will:
Map and profile existing VSLAs with youth membership with a view of partnering with the project.
Conduct a YSLA skills needs assessment to identify capacity gaps in the implementation of the YSLA methodology.
Develop a detailed YSLA operational guide that suits both existing and new YSLAs.
Capacity building the YSLA based on the needs identified. The broad objective is to guide these YSLA groups to be efficient, reliable and sustainable.
Support a cost-effective training of YSLA methodology to the young men and women engaged in the RAY project.
Support the YSLAs for six months through coaching sessions towards a certification.
Support the registration of the newly formed YSLAs as legal entities.
Gather feedback and refine YSLA systems as necessary.

Location and Project Team:
Kisumu, Homabay, Siaya, Nyamira, Migori, Bungoma, Busia, Vihiga and Kakamega counties.
The consultant will report to the Project Manager.

Duration Dates:
The expected start and end dates are 15th March 2024 to 31 August 2024

Number of Working Days:
The consultancy is a fixed term for six (6) months.
Methodology

Inception phase:
The assignment will start with an inception phase.

This phase will undertake the development of a YSLA training plan and work plan to develop the YSLA operation guide.

A rapid review of project documents, market-related reports, relevant policies, training needs and available information on the intervention area will also be accessed.

The inception phase will end with the submission of the inception report having incorporated Practical Action's input.

Implementation Phase:
Develop a detailed implementation plan for the assignment.
Map and profile existing VSLAs with youth membership with a view of partnering with the project.
Conduct YSLA skills needs assessment to identify capacity gaps in implementing the YSLA methodology and systems.
Develop the YSLA operational guide.

Training the YSLAs on the implementation of the operational guide, including linkages with existing management systems like Chama Soft and Dream Save.

Develop a schedule for training delivery which can be used by key officials or selected representatives (as ToTs) to train other YSLA groups.

Train YSLA group representatives (ToTs) on the YSLA guide and how to disseminate the training to the YSLA group members in their groups.

Monitor implementation of the guidelines developed and report on the progress of the achievements.

Deliverables

Inception report:

an inception report incorporating desk review, details of the work plan, and time schedules, and the tentative outline of the YSLA guidelines document and the YSLAs' training content.


Interim reports:

reports highlighting key progress; guidelines development, number of youths trained on YSLA methodologies, lessons learned and recommendations for potential linkages of at least 150 youths to Financial Institutions.

To provide Practical with the necessary materials or manual as a point of reference for the training and for reproduction and distribution to participants.


Final reports:
Detailed report meeting the objectives and scope of the TOR. The final report will be the end project after incorporating all the comments from Practical Action

Skills Required:
Consultant profile/eligibility criteria

For this assessment, the Consultant should have at least a bachelor's degree in Agribusiness /Agricultural economics/ Marketing/ Economics/ Commerce/Business Management or related field.

A background and extensive experience engaging with YSLAS is desirable.

Other key qualifications include:
Over 5 years' experience Engaging with YSLAs
Demonstrated experience in community economic development and working with community-based organizations.
Good understanding and proven track record in the principle of safeguarding/do no harm.
Experience working in the Western and Nyanza Regions is highly recommended.
Extensive experience in delivering YSLA training on methodology.
Good knowledge and understanding of gender equality issues, particularly in the context of the agricultural value chain.

Guidelines for submission of expression of interest

Proposal highlighting his/her understanding of the assignment and proposed methodology, work plan with a clear timeframe.
Technical proposals should indicate at least two similar projects undertaken in the past 2 years and contacts of the relevant people who can be contacted for reference, as well as names and qualifications of the lead consultant(s)
Detailed financial proposal in Kenyan Shillings for coaching 150 business enterprises. The consultant is expected to provide their daily fee rate as part of their expression of interest.
Annexed to the proposal should be a CV of the lead consultant for the assignment.

Project Objectives

To Improve knowledge and skills for 100,000 young men and women that will lead to change in practice through the adoption of RA technologies and improved business management practices.

To improve resource flows by facilitating 85% of the target young men and women access to appropriate and affordable financial products and services from YSLAs and FSPs to enable them to establish/grow Agri enterprises.

To improve access to land and equipment for young men and women by strengthening land lease processes and facilitating business linkages between young people and equipment suppliers

To increase access to markets for young men and women through strengthening relationships and connections and developing commercial offtake/aggregation models to enable youth-led agri-enterprises to thrive.

To alter negative perceptions of young women in agriculture to enable community and market actors to actively encourage and endorse young women's participation in agribusiness.

Project Outcomes

Increased productivity for young men and women
Increased income for young men and women
Increased entrepreneurship opportunities (e.g., aggregators, transporters) by young men and women.

Intermediate result areas

Young men and women adopt regenerative agriculture and good business management practices.
Young men and women access and utilize appropriate and affordable financial products and services.
Enhanced access and control of agriculture resources (land and equipment) by young men and women
Market actors (end buyers) actively engage and source from young women and young men.
Improved perceptions by community and market actors on youth (especially women) engagement in agribusiness.

  • Review and Development of Loan Products for a Rural SACCO at

    4 weeks ago

    Nairobi, Nairobi Area, Kenya IESC - International Executive Service Corps Full time

    IESC is a nonprofit organization dedicated to equitable, sustainable economic growth in developing countries. We believe that a robust private sector is the cornerstone of resilient economies and stable countries. IESC strengthens businesses and public and private institutionsSummaryThe Farmer to Farmer Access to Finance (F2F A2F) program is seeking an...

  • Loans Administrator at

    1 week ago

    Nairobi, Nairobi Area, Kenya Fanisi HR Solutions Full time

    Fanisi is a HR consulting and management company that guides enterprises in setting up management and development of their workforce. We support Small and Medium Enterprises to excel in improving the people component of their businesses and organizations by building human capital through developing employee related policies and practices, staff training and...

  • Business Development Officers at

    4 weeks ago

    Nairobi, Nairobi Area, Kenya SMEP Microfinance Bank Full time

    SMEP Microfinance Bank Limited is a public limited company incorporate under the companies Act (Cap 486) and licensed under the microfinance Act (Cap 493D) to offer banking, focusing on Group banking, Retail banking, Church banking, Asset financing, microfinance and related services.BUSINESS DEVELOPMENT OFFICERS – BDO 03/24Responsible forQualified and...

  • Sacco Loan Recoveries Officer at

    2 weeks ago

    Nairobi, Nairobi Area, Kenya Co-operative Bank of Kenya Full time

    The Co-operative Bank of Kenya Limited is incorporated in Kenya under the Company Act and is also licensed to do the business of banking under the Banking Act. The Bank was initially registered under the Co-operative Societies Act at the point of founding in 1965LOAN RECOVERIES OFFICER (REF:LRO/03/24)Reporting To: Credit ManagerDuties &...

  • Gender, Youth and Social Inclusion Advisor

    3 weeks ago

    Nairobi, Nairobi Area, Kenya Micro Enterprises Support Programme Trust (MESPT) Full time

    The overall objective of the Micro-Enterprises Support Programme Trust (MESPT) is to promote economic growth, employment creation and poverty alleviation through support to enterprises. MESPT works with intermediaries that provide financial or business development services to improve the performance of enterprises.Job PurposeThe Gender Youth & Social...

  • Monitoring and Evaluation Intern

    6 days ago

    Nairobi, Nairobi Area, Kenya The Youth Agenda Full time

    ABOUT THE COMPANYYouth Agenda (YAA) is an independent, national, non-profit, non-partisan youth led and youth serving organization founded in 1996. Sparked by evidence exclusion of youth in spheres of life and fuelled by a passion for the 'total' youth. Youth Agenda's mission is to make the youth factor count by influencing, linking and enhancing youth...

  • Home Loan Specialist

    2 weeks ago

    Nairobi, Nairobi Area, Kenya HF Group Full time

    ABOUT THE COMPANYWe will be the leading integrated solutions enabler for the property industry. We will offer innovative products and services, delivered under one roof by exceptionally committed people to enhance shareholder value. We will operate across the property value-chain as suppliers and financiers that offer unique solutions to all while being...

  • Business Development Officer at

    3 weeks ago

    Nairobi, Nairobi Area, Kenya Kenya Association of Music Producers (KAMP) Full time

    The Kenya Association of Music Producers (KAMP) was incorporated in 2003 as a not for profit company, limited by guarantee with the founding Directors comprising Bruce Odhiambo, Japheth Kilonzo Kasanga, Justus Manthi Ngemu, Babu Allan Kanyottu, Edmond Odongo Josiah and Joseph Kamaru Macharia. Today, KAMP has grown into an internationally recognized...

  • MHPSS Associate

    3 weeks ago

    Nairobi, Nairobi Area, Kenya HIAS Refugee Trust of Kenya Full time

    ABOUT THE COMPANYHIAS Africa delivers holistic protection to refugees and other forced migrants at heightened risk in Africa, through direct assistance, capacity building and advocacy in partnership with governments, other entities and beneficiaries.JOB SUMMARYThe MHPSS Associate will be responsible for directly providing MHPSS services to refugees and...

  • Consultant, Home Loans at

    2 days ago

    Nairobi, Nairobi Area, Kenya Standard Bank Group Full time

    Standard Bank Group is the largest African banking group by assets offering a full range of banking and related financial services. "Africa is our home, we drive her growth" Our vision is to be the leading financial services organisation in, for and across Africa, delivering exceptional client experiences and superior value.About JobTo facilitate and develop...

  • Validation of Products, Communications and Targeting Strategies for Youth, Jiinue Growth Program at

    6 days ago

    Nairobi, Nairobi Area, Kenya DT Global Full time

    DT Global, built on more than 50 years of experience from AECOM International Development, Development Transformations, and the Global Peace and Development (GPD) Charitable Trust, applies ingenuity, evidence, and passion to everything we do.About the RoleDT Global is seeking expressions of interest from qualified individuals or consultancy firms with a...

  • Community Facilitator – Financial Inclusion

    2 weeks ago

    Nairobi, Nairobi Area, Kenya DanChurchAid (DCA) Full time

    DanChurchAid's aim is to strengthen the world's poorest people in their struggle for a life in dignity. Our work is based on a Christian view of humanity with respect for every individual's rights and equal worthMain Responsibilities And TasksCommunity mobilization and organization Lead in community mobilization and entry during project deployment,...

  • Validation of Products, Communications and Targeting Strategies for Youth, Jiinue Growth Program

    4 weeks ago

    Nairobi, Nairobi Area, Kenya DT Global Full time

    ABOUT THE COMPANYDT Global improves the capability, capacity, and effectiveness of programs and personnel working in countries undergoing rapid and transformational change.JOB SUMMARYDT Global is seeking expressions of interest from qualified individuals or consultancy firms with a proven track record to undertake validation of products, communications and...

  • Specialist on Youth and Urban Policy at UN-Habitat

    4 weeks ago

    Nairobi, Nairobi Area, Kenya UN-Habitat Full time

    The United Nations Human Settlements Programme, UN-Habitat, is the UN agency for human settlements. It is mandated by the UN General Assembly to promote socially and environmentally sustainable towns and cities with the goal of providing adequate shelter for allDuties and responsibilities Under the overall supervision of the Programme of the Young...

  • Gender, Youth and Social Inclusion Officer at

    4 weeks ago

    Nairobi, Nairobi Area, Kenya Mercy Corps Full time

    Mercy Corps is a global humanitarian aid agency engaged in transitional environments that have experienced some sort of shock: natural disaster, economic collapse, or conflict.Program Summary With funding from USAID's Bureau for Humanitarian Assistance (BHA), Mercy Corps' Nawiri Program is leading a consortium of Kenyan and international partners on a...

  • Consultancy to Develop Youth Electronic Management System at

    4 days ago

    Nairobi, Nairobi Area, Kenya Oslo Center Full time

    The Oslo Center was established in 2006 as an independent, non-partisan, non-governmental organization. The main areas of work have been peace, democracy and human rights, and through the years the mission of the Center has increasingly focused on democracy assistance.Objectives of the Consultancy:The primary objective of this consultancy is to develop and...

  • Youth and Volunteer Programs Specialist- Africa at

    3 weeks ago

    Nairobi, Nairobi Area, Kenya Habitat for Humanity International Full time

    Habitat for Humanity International, generally referred to as Habitat for Humanity or simply Habitat, is an international, non-governmental, and nonprofit organization, which was founded in 1976.Position Summary:Reporting to the Director, Program Operations in the Africa Area Office, with the matrix supervision by the Volunteer and Institutional Engagement...

  • Sales Associates at

    2 weeks ago

    Nairobi, Nairobi Area, Kenya Platinum Credit Limited Full time

    Platinum Credit Limited is a credit only Micro-Finance Company licensed in Kenya under the Company's Act. The company, was founded in 2003 with a vision to provide emergency loans to Civil Servants, TSC members and employees of selected companies. We deliver cash in 24hours, with minimum bureaucracy and swift customer service.Role This is a part-time on-site...

  • Specialist, Home Loans at Standard Bank Group

    4 weeks ago

    Nairobi, Nairobi Area, Kenya Standard Bank Group Full time

    Standard Bank Group is the largest African banking group by assets offering a full range of banking and related financial services. "Africa is our home, we drive her growth" Our vision is to be the leading financial services organisation in, for and across Africa, delivering exceptional client experiences and superior value.Job Purpose.To facilitate and...

  • Syndications Officer at

    4 weeks ago

    Nairobi, Nairobi Area, Kenya Trade and Development Bank (TDB) Full time

    TDB, the oldest bank of Mongolia, prides itself for its leading position in the universal banking service provider, offering over 130 types of international standard banking products, professional and user friendly banking services.Job SummaryThe Syndications Officer will play an active role in supporting the Syndications team in distributing syndicated...