Date July 23, 2019
Case Story Development for use in Workshop by
Water.org Bangladesh | Terms of reference
Response deadline: July 30, 2019, by 2:00 pm EST
About Water.org:
According to a report by UNICEF, women and girls spend 200 million hours a day globally collecting
water, time which could be spent pursuing other opportunities. In Bangladesh, 44% people of the country
do not have access safely managed drinking water and 53% lack access to a safely managed sanitation
facility. Water.org believes access to financial services is one of the major challenges people face that
limits them from availing water and sanitation assets on their own.
Water.org is working to address the financial crisis in Bangladesh by putting financial tools into the
market. The market-based approach of Water.org underlies a proposition to the extent that there is a
huge gap between the demand and supply of WSS products. This significant gap which implies the
potential customers are likely ready to adopt WSS lending products, and financial service providers need
to come forward to reduce the mismatch of demand and supply. To date, 188,500 WaterCredit loans
have been disbursed to households living at the base of the pyramid through microfinance institutions in
Bangladesh, mobilizing $ 52.3 million and reaching 1.14 million people with improved water and
sanitation access. One of the strengths of WaterCredit in Bangladesh is the repayment rate of 100%.
Given that the average non-performing loan rate in banks is nearly 9%, the WaterCredit program offers
an opportunity for financial institutions to diversify their portfolios, and better meet their client needs.
Purpose of the work:
Currently, Water.org in Bangladesh is directly supporting Microfinance Institutions (MFIs) through smart
subsidies and technical assistance to provide affordable financing for water and sanitation assets to the
base of the pyramid (BoP), via a program we refer to as WaterCredit. As a next step, we are interested in
launching a purely technical assistance-based product. This product is internally referred to as
WaterCredit Adoption (WCAD) and consists of a toolkit of actionable knowledge, insights, and technical
expertise which we hope to impart to MFIs and other lenders, e.g., private commercial banks and nonbanking financial institutions (NBFIs), with the hope that they will be encouraged to launch water and
sanitation lending.
A workshop is scheduled in September to introduce WCAD to stakeholders. For this purpose, Water.org
Bangladesh requires the development of six (06) case studies from the ground, using experiences from
the field of its MFI partners. The case studies are intended to present key challenges Water.org partners
have faced in adopting WaterCredit, with solutions to those challenges. These cases will be shared with
and discussed by WCAD workshop participants to ensure maximum engagement of participants in
understanding WaterCredit and WCAD.
Scope of work, methodology and deliverables:
This purpose of this assignment is to first identify compelling cases from the implementation experiences
of WaterCredit in Bangladesh; write up these cases in professional English (avoiding jargon); and
ensuring the cases have critical “learning questions” that aforementioned workshop participants can
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respond to. Water.org staff will collaborate with the consultant to identify the cases as well as the said
critical “learning questions” and template.
In terms of methodology, the consultant is expected to conduct in-depth interviews with Water.org MFI
partners as well as Water.org staff and also consult existing research and relevant documents available.
As for deliverables, each of the six (06) cases should be presented as follows:
- A document in MS Word of 2 -3 pages
- A brief PowerPoint presentation on each case, of no more than five (5) slides
The cases should be structured as follows: (1) identification of a compelling challenge in implementation
of WaterCredit (2) explaining the lessons learned from the 6 case studies, what are the takeaways in
terms of methods/practices/operations/plans that lead to success with WC in Bangladesh (3) solution to
that challenge (4) other key take-aways.
The consultant is expected to deliver six (06) cases all together on six (06) different MFI partners.
Water.org will facilitate communication with the partners.
Competencies required:
- At least 5 years of experience in international development in strategic or research roles
- Experience with qualitative analysis and story writing
- Strong written English is a pre-requisite
- Prior experience in developing cases for the international development and/or corporate sector
will be given preference
Timeframe:
- July 30, 2019: Proposal due
- August 04, 2019: Result announced
- August 06, 2019: Contract finalized
- August 21, 2019: Delivery of 4 out of 6 case stories
- August 30, 2019: Delivery of all 6 case stories
Submission and contact:
Your expression of interest should reach Water.org, attention Anitta Mankhin, MEL Manager via email at
amankhin@water.org on or before July 30, 2019
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