Micro-enterprise Development and Financial Inclusion Technical Training 

Micro-enterprise Development and Financial Inclusion Technical Training

Request For Proposal (RFP) for Consultancy, Micro-enterprise Development and financial inclusion technical training in Dadaab (DRC Kenya)

Opportunity Background:

The Danish Refugee Council (DRC) is a humanitarian, non-governmental, non-profit organization founded in 1956, and working in more than 30 countries throughout the world. DRC has been operating in Kenya since 2005 supporting refugees, host communities and the internally displaced Persons (IDPs). DRC began its operations in Dadaab in partnership with PRM, DANIDA, UNHCR, ECHO, EUTF, UN-WOMEN and UNICEF to help refugees to prepare for ultimate return, meet protection needs and ensure equity between refugees and the neighboring population through implementing host community programs since 2009.

DRC has been implementing livelihood program in Dadaab refugee operation in efforts to curb dependency on relief support, create alternative productive engagement opportunities for refugees and neighboring host community. The livelihood interventions include; business skills training, start-up grant support, value chain development, community managed internal saving and loan methodology (VSLA), dry land agriculture, Scholarship for post-secondary professional courses and vocational skills.

Area Based Livelihoods Initiative – Garissa (ABLI-G) is a three (3)-year project that commenced in April 2020, funded by the European Union (EU) Trust Fund for Stability and Addressing the Root Causes of Irregular Migration and Displaced Persons in Africa (EUTF). The EUTF’s stated overall objective for the action under this funding modality is to enhance the self-reliance of refugees and host communities in Kenya. This proposed action addresses the third component of the programme: ‘pilot initiatives in support of economic self-reliance of refugees and host communities in Garissa County’. This action seeks to ensure a more integrated approach of linking skills to the labour market based on comprehensive market and value chain analyses; and following it up with support and mentorship for business development and entrepreneurship. The project aims to further promote an enabling environment for income generation in terms of access to formal and informal business opportunities and freedom of movement, finance, market linkages, resolution of localized and small-scale disputes that adversely affect economic activities and documentation (in the case of refugees). The action will be implemented in close coordination with the other two complementary and mutually-reinforcing components.

The project is implemented by three partners namely, Danish Refugee Council (DRC) as the lead implementing agency, with Norwegian Refugee Council (NRC) and International Trade Centre (ITC).

Dadaab refugee camps hosted close to 223,420 registered refugees as at 31st December 2020 (UNHCR statistics) with many first and second-generation refugees who have been born there. Efforts to build skills among refugee populations in Dadaab have created capacity in different areas however, in the majority of cases these initiatives have not systematically linked the refugees’ work to market opportunities. NRC and the ITC Refugee Employment and Skills Initiative (RESI) project baseline survey done in March 2018 revealed that various graduates were not using their acquired skills to earn income or access sustainable work opportunities. Many of the skills did not match the needs of the market, and there remains a lack of focus on creating an enabling environment for business development. This has led to primarily informal business opportunities for refugees and limited formal trade and business with the host community. Refugees and host community members alike lack proper market information and access to necessary business services to develop a small business or to grow their existing ventures.

The identified overarching challenges limiting sustainable livelihood opportunities have been identified and include weak vocational and entrepreneurial skills, limited capacity for business development and entrepreneurship, and obstacles within the business environment, such as the lack of information and relevant partners with whom to create business partnerships. Moreover, refugees have limited access to external markets, which is crucial in establishment of market linkages to translate the skills acquired into sustainable income and livelihood sources. Strong market links must be developed in order to provide refugees and host community members an opportunity to shift from a model of continued dependency towards self-reliance. Further, there remains a lack of focus on creating an enabling environment for business development. This has created a growing need for socioeconomic integration into the local areas through an integrated approach from skills to the labour market.

Notably, women and men experience market systems differently and tend to have unique opportunities and constraints based on gender. The gender roles assigned to men and women have an impact on their respective access to resources and services and the power to decide over their use. They have an impact on women and men’s differentiated roles and participation in value chains and their respective control over decisions that affect their engagement in and/or the management of the chain as well as the use of benefits and losses generated by the activity. The situation of refugee women and female youth is particularly difficult. Women in Dadaab often face limited access to basic services and opportunities (including education). Notwithstanding, they contribute almost half of household revenues whilst continuing to take almost sole responsibility for domestic chores, childcare etc. further limiting their ability to access available services and opportunities. Therefore, not only do the challenges women face in achieving their income potential have Terms of Reference (TOR) to be considered, but also the social and gender norms they face considering the significant role they play in household income and as such need to be central in any livelihood intervention.

Objective of the Consultancy

To improve the skills and knowledge of staff from DRC, NRC and ITC who are involved in implementation of the ABLI-Garissa project, Danish Refugee Council on behalf of the consortium plans to engage a qualified consultant with proven skills in training on financial inclusion and micro-enterprise development in the refugee and Garissa host community context. The consultant should have required skills and experience in adaptation of financial inclusion including Savings Groups/VSLAs in line with diversified religious and cultural practices of the Somali community.

Opportunity Structure:


The purpose of this engagement is to conduct TOT on Micro-enterprise Development & Financial Inclusion Technical training for 20 staff from ABLI-Garissa Project. The training should focus on giving skills to the staff so that they can be able to conduct the trainings to the targeted individuals and groups. The micro enterprise and financial inclusion should consider the following target groups; people who would want to start up businesses for the first time, ongoing businesses, people with low literacy level, women and refugees. The curriculum should offer learning on the following among other topics:

  • Entrepreneurs assessment
  • Business viability assessment
  • Personal effectiveness
  • Pricing and break-even analysis
  • Budgeting and cash flow
  • Income statements
  • Balance statement
  • Profit and loss statement
  • Business legal structures
  • Book keeping and staff remuneration
  • Personnel management
  • Marketing and selling
  • Business financing/financial services
  • Customer service
  • Supply chain management

It is highly recommended that the ILO- SIYB/IYB/GYB modules be used as the key reference materials. The consultant shall be expected to introduce informal financial services – Savings Groups/VSL to the participants.


Scope of Training

The consultant(s) shall conduct training on Savings Group/VSL concept, principles, procedures and e-recording of transaction, data and provide in-depth business skills based on the ILO-SIYB/IYB/GYB modules. The consultant(s) shall develop and share a training curriculum, training need assessment tool, business plan tool, business records template and comprehensive training report at the end of contract.

Key tasks with list of ‘key activities’, under each responsibility.

VSLA methodology training.

  • Conduct training on VSLA concept, principles, phases and the 7 modules.
  • Share the adaptations of VSLA in the context of dynamic religious and cultural beliefs of the Dadaab Refugee and host community.
  • Conduct step by step practical procedure on use of e-recording app in recording, transmission and aggregation of VSLA transaction data at the Agency level.

Micro enterprise training.

  • Conduct training on business development skills using the ILO-SIYB/IYB/GYB modules.
  • Support trainees to contextualize and develop simple tools for conducting; group/PoC training needs assessment, drafting business plans and recording business transactions

Competitive Scope:

Closing date and time for receipt of Tenders 11th February 2021, 04.30PM EAT

Bids can be submitted by email to the following dedicated, controlled, & secure email address:


  • To help us track our procurement effort, please indicate in your email where (ngotenders.net) you saw this tender/procurement notice
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