Terms of Reference:
WSS Loan Product Profitability Analysis
 
1)   Purpose:
Water.org aims to engage
a third party consultant to conduct a financial profitability analysis of
Water.org microfinance partner’s water supply and sanitation (WSS) loan
products. The consultant will collect quantitative data related on WSS lending
to understand financial sustainability of two WASH products and conduct a set
of interviews with senior managers to gather qualitative information on
utilization of WaterCredit.
 
2)   Water.org’s Background:
About
Water.org
Water.org has been at the forefront of developing and
delivering solutions to the water crisis for more than two decades. Founded by
Gary White and Matt Damon, Water.org challenges the traditional approach by
pioneering innovative, community-driven, and market-based solutions to ensure
all people have access to safe water and sanitation; giving women hope, children
health, and communities a future. Water.org has positively transformed the
lives of more than three million individuals in Asia, Africa, Latin America,
and the Caribbean by providing access to safe water and improved sanitation.
Water.org’s headquarters is in Kansas City, Missouri, USA.
 
WaterCredit
Initiative
WaterCredit empowers those living in poverty to gain
access to affordable financing to meet their own water supply and sanitation (WSS)
needs. This comprehensive initiative puts microfinance tools to work in the
water and sanitation sector.  In
Indonesia, Water.org works closely with 11 microfinance partners that offer
water and sanitation financing to their clients.   
 
3)   Scope of Work:
The consultant will perform the following
services:
 
    1)   Identify and collect data
needed to assess WaterCredit profitability of MFI’s two WSS loan products and
MFI’s motivation for                   implementing WaterCredit. 
This will involve 1) working with Water.org to review and develop data
indicators, product costing tools,       and a semi-structure interview tool that
will be used during the assessment and 2) visiting the MFI offices to conduct
in-person         interviews and MFI data.
 
    2) On the basis of meetings,
interviews, and data collection as outlined above, Consultant shall analyse the
findings with an eye                 towards the objectives of these TOR. 
 
    3) Produce a final assessment
report.  Prior to completing the final
assessment, Water.org will review and provide feedback on draft           report.
 
4)     Deliverables:
     The consultant will be responsible for the following:

• The WaterCredit Profitability
  assessment report with summary of the WaterCredit program, loan product terms

  and delivery methods, profitability findings and recommendations. The report
  needs to provide a clear analysis of the complete costs and revenue related to
  two WSS loan products.

• Primary data collected during
  the assessment that supports the assessment, including:

                                    
i.         
Interviews in summary form;
                                   
ii.         
WASH portfolio cost analysis

(excel spreadsheet); assumptions used in the analysis
                                  
iii.         
Additional data collected and
used in assessment analysis.
 
5)     Request for Proposals
Water.org wishes to hire a
Consultant to work with Water.org to conduct profitability analysis as
described in the scope of work above. The proposal should include a technical
and financial proposal (see sample budget template below) as well as a project
timeline, with the first stage of the work to
be completed by March 31, 2017. 
Please refer to Timeframe section for additional information. Applicants
may be firms or groups of individuals with a designated team lead.
 
Applicants must exhibit the following
qualifications:
1.     
Proposed staffing plan includes at
least one native or fluent English speaker.
2.     
Demonstrated experience and familiarity
with WASH and/or microfinance sector.
3.     
Demonstrated experience with conducting
profitability analysis.
 
6)     Budget
A proposed budget shall be included
with the Consultant’s submission, and the final budget approval shall be fixed
and not subject to negotiation.  A sample
budget template is provided below.  The
Consultant shall provide budget information either in this format, or in a
manner that includes similar details. 
All taxes should be included in the budget.  The Consultant shall be responsible for
payment of all taxes. All amounts shall be presented in IDR.  Budget notes are encouraged.  Please note the microfinance partner is
located in Tangerang province.
 

 
7)    
Timeframe
We anticipate that this assignment will
take approximately four- five weeks to complete.

8)    
Submission of ProposalsComplete proposals should be emailed to Ade Reno Sudiarno,
WaterCredit Senior Program Manager, at asudiarno@water.organd cc-ed toindonesia.waterorg@yahoo.com. Deadline for submitting proposals is February 24, 2017. Proposals will be
reviewed on a rolling basis.