Terms of Reference (ToR)
“Communication Agency for Sarathi- Progress through Financial Inclusion”


The RMG workers, despite their significant contribution to the national economy and global fashion industry, remain outside the purview of formal banking services with limited or no access to relevant, quality and affordable banking products and services.

Sarathi – Progress through Financial Inclusion
is a 36-month project (Jan 2018-Dec 2020), jointly funded by MetLife Foundation and Swisscontact. It is working with commercial banks and RMG factories in Bangladesh to bring RMG workers, especially women, within the sphere of formal banking services and to enable them to conduct financial transactions as account holders and clients. The project activities are directed to find market-based and scalable solutions that address underlying constraints such as:

  • Inadequate financial literacy
  • Lack of access to formal banking services
  • Inadequate commercially viable business solutions for banks to cater to their needs.

The project is currently in the last quarter of its intervention. The project results as of June 2020:

  • 66,000 RMG worker salary accounts have already been opened across 49 RMG factories through four partner commercial banks;
  • Sarathi has organized 225 literacy sessions for 16,950 RMG workers;
  • 49 partner RMG factories disburse RMG workers salary through bank accounts;
  • 64 Alternative Delivery Channels (ADCs) were made accessible to RMG workers.

Submission Guideline

Interested bidders are encouraged to attend the pre-bid meeting to be held on 15 October 2020 (those who are interested to join the pre-bid meeting are requested to inform to samaun.bhuiyan@swisscontact.org with the email subject line “Pre-bid meeting for Sarathi Communication”)

Interested bidders should submit their technical and financial proposals and other necessary documents as soft copies with the email subject line “Proposal for Sarathi Communication” by 22 October 2020 before 5:00 pm to the address mentioned below:

Senior Officer Procurement,
E-mail to bd.procurement@swisscontact.org
Swisscontact, House 19, Road 11, Baridhara, Dhaka-1212, Bangladesh

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