ISSUE DATE: January 31, 2020
SUBMISSION DATE: February 25, 2020

SUMMARY
Women’s World Banking seeks an experienced research firm to conduct quantitative and/or qualitative research among low-income women in Egypt to address access to and utilization of financial services.

ABOUT WOMEN’S WORLD BANKING

Mission: To expand the economic assets, participation, and power of low-income women and their households by helping them access financial services, knowledge and markets

Vision: One day all women will be able to build a secure and prosperous financial future for themselves and their households

Women’s World Banking, Inc. is a tax-exempt 501(c)(3) organization registered in New York, that designs market-driven solutions, invests in financial institutions, and helps to shape policy environments in emerging markets to create greater economic stability and prosperity for women, their families, and their communities. The direct beneficiaries of our work include low-income women customers of financial service providers in developing countries.

Women’s World Banking’s co-actors are its global network of cross-sector partners including retail banks, mobile network operators, FinTech companies, governments, multinational corporations and funders which today includes 55 organizations in 32 countries, serving more than 30 million women clients. These network members serve as implementing, catalyzing, and strategic partners that help achieve Women’s World Banking’s mission.

PROJECT

Women’s World Banking is working with in Egypt to increase the use and access of digitally enabled financial services. Women’s World Banking will broadly measure the impact of policy changes on customers.

OBJECTIVES AND RESPONSIBILITIES

The objective of the consultancy is to conduct client-focused research through a variety of methodologies, as needed.

IRB Approval and Management:

Identify what Institutional Review Board (IRB) the research firm would use.

  • Create and share informed consent form with Women’s World Banking for approval.
  • Organize and submit all documentation to obtain ethical research clearance by a local Institutional Review Board.
  • Share full IRB submission (in English) with Women’s World Banking for review, feedback and approval.
  • Obtain all permits and local government approvals, as required.
  • Manage ongoing issues that may arise from local IRB.

Qualitative Research:

Conduct qualitative research including but not limited to

  • Individual semi-structured interviews
    • Key Informants
    • Customer (low-income and urban and rural populations)
  • Focus group discussion
  • Observations

Interview guides:

  • Provide input on the interview guide developed by Women’s World Banking
  • Translate guides into local language
  • Pilot questions on the interview guide
  • Record any modifications made to the guide
  • Share results from the pilot with Women’s World Banking

Participant recruitment:

  • Successfully recruit participants for group sessions and/or interviews. Arrange for a convenient time and location with the participant to participate in the research and follow up with this person to ensure availability. Number of participants and method of participant selection will be determined at time of qualitative research and may be informed by quantitative surveys or other inputs. Segments may include, but are not limited to: low-income women, factory workers, mobile money users or non-users, remittance receivers, entrepreneurs or MFI or FSP clients and non-clients.

 Logistics:

Additionally, the firm will be responsible for all logistics related to the interviews (securing space, refreshments, recruitment of participants, and provision of participant compensation/incentives). This may include the following activities:

Venues:

  • Identify and secure research venues for sessions. Venues should be neutral, quiet locations that offer privacy, are easily accessible by participants, and acceptable for cultural norms for women; Two-way mirrors are not required; and Videotaping of sessions may be required.

Refreshments:

  • Arrange for light refreshments (snack and drink) and financial compensation (travel reimbursement) for all participants;

Facilitation/ transcription/ coding:

  • Conduct focus group sessions and interviews with women and men, using a semi-structured or structured discussion guide. Women’s World Banking will develop the guides with input from the research firm (see above).
  • Audio record each interview and share English transcripts with Women’s World Banking. Transcripts should be shared within 48 hours of the completion of each research day to ensure that the content is aligned with the expectations of the Women’s World Banking research team.
  • Logistics point person must be present at focus group sites to ensure logistics of participant arrival and criteria confirmation, as well as facilitate logistics of research venue, refreshments and financial compensation.
  • Provide all raw notes from the interviews, including any audio or video recordings.
  • Participate in regular discussions with the Women’s World Banking research team to discuss emerging themes and reflect on the research approach.

 Analysis:

  • Analyze session transcripts through inductive themes analysis, in partnership with the Women’s World Banking team. The research firm will lead the analytic coding and synthesis of findings with input from Women’s World Banking;
  • Develop PowerPoint deck detailing key themes and findings, including breakdown by any relevant segments and geographies. Provide in-depth analytic content from the analysis.
  • Interpretation: Identify and hire one or two interpreters for simultaneous translation to participate in all research sessions attended by the Women’s World Banking team;

Quantitative Surveys:

Survey:

  • Provide input on the questionnaire developed by Women’s World Banking
  • Translate questionnaire into local language
  • Program the quantitative interview guides into software (e.g., SurveyCTO) to administer computer-assisted personal interviews
  • Pilot and test the survey
  • Record any modifications made to the survey
  • Share pilot results with Women’s World Banking
  • Update survey based on findings from the pilot prior to going to the field
  • Train and supervise quantitative research team
  • Ensure deep understanding of the objectives of the research and meaning of the research questions.
  • Women’s World Banking research team may participate in some aspect of the training (e.g., discuss training plan with field coordinator)
  • Supervise enumerators and conduct regular quality checks, providing written reports to Women’s World Banking
  • Provide research plan that describes the training, research team composition and structure, number of interviews to be conducted per day, strategy to ensure data quality
  • Participate in regular progress updates with Women’s World Banking team (frequency and channel of communication to be determined)

Recruit all research respondents:

  • Propose sampling methodology for approval by Women’s World Banking. Segments may include, but are not limited to: low-income women (segment A, B or C income segments), factory workers, mobile money users or non-users, remittance receivers, entrepreneurs or MFI or FSP clients and non-clients.
  • Provide feedback on screening/eligibility criteria developed by Women’s World Banking for the given study
  • Recruit respondents according to study eligibility criteria
  • Assign a unique ID (not a national ID) for all respondents
  • Set appropriate survey participant compensation/incentives

Data sharing:

  • On a regular basis, provide de-identified raw data to Women’s World Banking to review
  • Clean and code collected data
  • Provide final survey tool in English and local language, complete and clean dataset with coding scheme, and any data files associated with the survey. All variables and answers should be translated into English

Quantitative implementation report:

  • Provide implementation report describing fully the methodology and sampling strategy used, response rates, respondent compensation, and any challenges (and changes) encountered during fieldwork. Report should include descriptive statistics, summary of key findings, and data visualization.

DURATION OF CONSULTANCY

The duration of this consultancy is estimated to be from March 1, 2020 – February 28, 2021.

Research activities should begin upon contract award.

LOCATION OF WORK

Field research will take place in multiple locations throughout Egypt. Firms may apply if they have substantial research experience in Egypt.

 PREFERRED QUALIFICATIONS:

Experience conducting research in the financial services

  • Understanding of digital financial services/digital payment solutions
  • Deep understanding of issues around women’s financial inclusion as well as broader issues that women specifically face
  • Experience conducting qualitative research in the form of interviews and focus groups with low-income women
  • Experience conducting large-scale quantitative surveys, various sampling methods and quantitative analysis
  • Experience using SurveyCTO and CSPro or other form of survey digitization (SurveyCTO preferred)
  • Proactive project management skills with strong attention to detail
  • Experience working in tight timelines and rigorous schedule of data collection
  • Experience working in a multilateral and cross-time-zone team to meet deliverables
  • Commitment to delivering excellent quality results that can have a meaningful impact for women
  • Fluency in English required
  • Availability to attend regular calls with Women’s World Banking staff. Meeting hours need to be flexible sometime between 8 am – 5 pm EST.

 

TO APPLY
Please submit your application, including the following components, by Tuesday, February 25, 2020 at 11:59 PM EST at the latest:

Applicants may submit their question(s) in writing until February 18, 2020 to tn@womensworldbanking.org. Please include in the e-mail subject line “RFQ: Consumer Research in Egypt.”

We will have a conference call via Skype for Business to answer questions about the application on February 19 at 9:00 AM EST. Details are below:

Apply Now!

This RFQ does not guarantee or commit Women’s World Banking to proceeding with the above described work. Due to overwhelming response, not all candidates will be contacted.

Women’s World Banking is an equal employment opportunity for all regardless of race, color, citizenship, religion, sex, sexual orientation, gender identity or expression, age, disability, veteran or reservist status or any other category protected by federal, state or local law.

 Women’s World Banking will be unable to contract with any individual who is US citizen or resident without an LLC or LP or similar structure.


Q: What is the selection criteria you will be considering?
A: We need the firm to have experience in conducting large-scale quantitative surveys. The firm need to have full expertise in Egyptian Arabic (Masri), but knowing French or Spanish is of no need. The interviewees are mainly among the low-income. Unfortunately there is a high correlation between literacy level and income level. So, all the participants will not be illiterate, but many of them might be. We will also consider the below:

  • Experience conducting large-scale quantitative surveys
  • Experience conducting focus groups and qualitative interviews
  • Price/Cost of Services
  • Experience in Geographical Area (speak local language)
  • Experience conducting research with low-income participants’
  • Analytical capability

Q: In the qualitative part one of the requirements is observations, can you please clarify that point as we are not quite sure what that would entail.
A: Conducting observational assessments that are overt or covert. Observing clients behaviors and activities which can entail the following:

  • Close enough to the people and situation being studied to be able to understand the depth and details of what goes on.
  • Aim at capturing what people actually say: perceived facts.
  • Describing peoples activities and interactions
  • Direct quotations from people what they speak and what they write down.

Q: When we mention key Informants, we need to have more clarity on who that segment is? will the client be providing lists? That will make it much easier? We also need to know the different types of informants so that we can design the sample accordingly. (number of IDIs)
A: Usually the client will be providing a list of clients to be interviewed.

Q: The same goes for customers, customers of what exactly?
A: These will be customers of the financial service provider we partner with.

Q: If we are talking general public then the focus groups should suffice.
A: This is intended for the target population of low-income women.

Q: For the focus groups and quant surveys what areas will be covering?
A: Microfinance and low-income women utilization of loans, repayment of loans, change in policies etc…

Q: For the qualitative part, the brief mentions that Segments may include, but are not limited to: low-income women, factory workers, mobile money users or non-users, remittance receivers, entrepreneurs or MFI or FSP clients and non-clients. For this to apply then we need to have a disclaimer that says prices may vary depending on the segments chosen.
A: If you believe different segments require different funding types please include this in your proposal.

Q: What is meant by MFI or FSP clients and non-clients?
A: MFI- microfinance clients are low income women accessing microfinance products. FSP – Financial service providers are non-clients, providing services.