ISSUE DATE: March 13, 2020

Women’s World Banking seeks to build a roster of individual consultants to participate in various research activities related to women’s financial inclusion. Selected consultants will be placed on a one-year retainer contract and engaged according to project needs.

Women’s World Banking is the global non-profit devoted to giving more low-income women access to the financial tools and resources essential to their security and prosperity. For more than 40 years we have worked with financial institutions to show them the benefit of investing in women as clients, and as leaders. We equip these institutions to meet women’s needs through authoritative market research, leadership training, sustainable financial products, and consumer education. Headquartered in New York, Women’s World Banking works with 49 institutions in 32 countries to create access to finance on a greater scale than ever before.

Women’s World Banking has several upcoming and continuing research activities in Indonesia. Across these engagements, research is informed by human-centered design with a focus on women’s needs. Research covers a range of topics, including:

  • Understand drivers of and barriers to women’s use of financial products and services
  • Describe financial needs and behaviors of low-income women and define specific customer segments
  • Make recommendations for financial products and services that are effectively designed to address low-income women’s needs

Research findings inform policy recommendations and financial service providers’ strategies for acquiring and engaging low-income women customers.

We are seeking individual consultants to contribute to one or more of the following activities:

  1. Secondary research review
  2. Qualitative research fieldwork logistics (participant recruitment, venues, compensation)
  3. Development of research instruments
  4. Qualitative Interview facilitation
  5. Qualitative data analysis
  6. Workshop/design facilitation
  7. IRB approval and research permissions
  8. Key informant interviews
  9. Quantitative research support

This will be a retainer contract to last for one year, from approximately April 6, 2020-April 6, 2021.

Research activities may include (but are not limited to):

  • Secondary research review
    • Review existing literature and data on a given topic
    • Synthesize available literature on a given topic in written format
  • Qualitative research fieldwork logistics (participant recruitment, venues, compensation)
    • Recruit participants for focus group discussions and/or individual interviews, following criteria provided by Women’s World Banking (e.g., gender, age, employment status, location, etc.)
    • Arrange for a convenient time and location with the participant to participate in the research and follow up with all individuals to ensure availability.
    • Identify and reserve safe, private 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. In-home interviews are acceptable if the interview is conducted with full privacy from husband/other family members
    • Manage all aspects of participant compensation and/or travel reimbursement
  • Development of research instruments
    • Draft and/or provide input on the design of qualitative interview protocols
    • Provide input on research design and sampling strategy
    • Translate interview guides into Bahasa Indonesia
    • Pilot the interview guide
    • Record any modifications made to the guide
  • Facilitation of qualitative interviews
    • Obtain informed consent from participant for each interview
    • Conduct individual interviews with low-income men/women using a semi-structured interview guide
    • Supervise a notetaker who assists in interviews, ensuring complete notes when needed
    • Ensure all interviews are recorded, with permission from participant
    • Conduct participant observation when needed
    • Use card sorts/visual prompts in interviews when needed (e.g. for usability tests, contextual inquiry)
  • Qualitative data synthesis and analysis
    • Provide notes from all interviews
    • Provide case studies from interesting/outlier interviews
    • Provide summary Powerpoint slides synthesizing findings
    • Coordinate with transcribers to provide translated, verbatim transcripts when needed
    • Participate in regular discussions with the Women’s World Banking research team to discuss emerging themes and reflect on the research approachConduct thematic analysis of transcripts when needed
  • Workshop/design facilitation
    • Assist in facilitating interactive workshops with partner institutions to share research findings and brainstorm or collaboratively build solutions
    • Develop materials (slides, handouts) and interactive activities to guide discussion or workshop activities
    • Support in arranging workshop logistics and coordinating any materials needed for the activities (markers, post-its, paper)
    • Transcribe detailed notes from interactive workshop activities
    • Synthesize results of discussion in written document or slides deck
  • IRB approval and research permissions
    • Identify local Institutional Review Board
    • Organize and submit all documentation to obtain ethical research clearance by local Institutional Review Board
    • Obtain all permits, permissions, and local government approvals, as needed
    • Create and share informed consent form with Women’s World Banking for approval
    • Share full IRB submission (in English) with Women’s World Banking
  • Key informant interviews
    • Based on parameters provided by Women’s World Banking, propose list of key stakeholders to Women’s World Banking. Stakeholders may include, but not limited to, private sector (such as enterprise) employers, government employees, NGO employees
    • Provide input on key informant interview guide developed by Women’s World Banking.
    • Contact and interview priority stakeholders indicated by Women’s World Banking, by phone or in person (consider scheduling at an appropriate time to allow Women’s World Banking New York team to join the calls)
    • Provide notes from the KIIs to Women’s World Banking and summarize insights
    • Provide final list of stakeholders interviewed
  • Quantitative Research Support
    • Program quantitative survey questionnaires into SurveyCTO or other data collection software
    • Analyze datasets collected through either face-to-face surveys or from partner financial institutions’ administrative (transaction) data
    • Data analysis can include providing descriptive statistics, segmentation analysis (what are the key customer segments), statistical analysis of client behavior, geographic analysis (using GIS when available).
    • Conduct data cleaning, recording all cleaning efforts from raw data to final dataset
    • Provide regular progress updates to Women’s World Banking
    • Presentation of findings in either written report or a PowerPoint presentation

The duration of this consultancy is estimated to be from April 6, 2020-April 6, 2021. Research activities should begin upon contract award.

Field research will take place in multiple locations, including rural and urban settings, in Indonesia.


  • Experience conducting qualitative research in the financial inclusion and/or services sector, with preference given to expertise in one or more of the following: government-to-person payments, international and domestic remittances, agent network management, digital payment platforms, digital credit, savings activation,
  • Deep understanding of women’s financial inclusion and broader gender equality and women’s economic empowerment in Indonesia
  • Experience conducting individual in-depth interviews and focus group discussions with low-income women
  • Experience managing all logistical aspects of qualitative data collection
  • For Activity 6:
    • Experience facilitating participatory workshops and discussions
    • Knowledge of human-centered design
  • For Activity 9:
    • Advanced degree and 5 years of experience in econometrics, statistics, or related field
  • Experience programming digital surveys using SurveyCTO
    • Experience cleaning and analyzing individual-level datasets, collected through face-to-face surveys
    • Experience cleaning and analyzing individual-level transaction data provided by banks and other financial institutions, using Stata, R, SPSS, or similar software
  • Proactive communication, project management skills, attention to detail, and successful record of meeting project deliverables within short timelines
  • Experience collaborating with remote colleagues across time zones
  • Fluency in Bahasa Indonesia
  • Ability to communicate effectively in verbal and written English
  • Availability to join Skype meetings with Women’s World Banking staff between 8 am – 5 pm ET

Applicants are encouraged to apply if they have expertise in one or more of the research activities described above. Please indicate clearly in the application which research activities the firm is proposing to conduct.

Please submit your application by midnight EST by March 27, 2020 UPDATED: April 3, 2020.

Applications should include:

  • A cover letter
    • Daily consultant rate and what is included in the rate (e.g. travel costs)
  • Resume or CV
  • Statement of the individual consultant’s qualifications for the specific activities laid out in the RFQ (not all activities are expected to be covered by each consultant) and previous relevant experience for each activity
  • Minimum 2 references

Applicants may submit any question(s) in writing until March 23, 2020 to  Please include in the e-mail subject line “RFQ: Individual Research and Financial Inclusion Specialists in Indonesia”

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: Is it possible to apply as a team with different qualifications?
A: Each consultant is requested to individually apply. No one person needs to hold all the qualifications listed in the RFQ; we are looking to bring on consultants with diverse skills. If you have experience working with other applicants to the RFQ, please indicate this, as previous collaborative work would be an asset.

Q: I had applied for another advertised position at your organization, am I allowed to also send application for this post
A: Yes

Q: When a consultant is hired, are they allowed to take consultancy jobs at other organizations?
A: Yes

Q: Do you have any upper threshold for consultant rate? If allowed, for team application, should the team propose a joint retainer fee or individually?
A: Please submit individual applications, with individual daily rates. There is no ceiling on individual consultant daily rates, though applications will be evaluated on the basis of their cost-effectiveness as well as qualifications.