Research consultant on financial education in Tanzania

Fundación Capital
Deadline for Applications
Where to Apply

Job Description: Research on financial education needs of farmers groups in Tanzania


Fundación Capital (FK) is an international social enterprise that works primarily with national governments and private sector partners to co-create strategies for asset-building at scale for people living in poverty. Since 2009, FK has established formal relationships with 12 governments in Latin America and the Caribbean, supporting them through the design and implementation of financial inclusion programs and strategies. We seek to align public policy, market mechanisms and advances in digital technology, so that through our work, we enable millions of poor families to live their ambitions and decide for themselves how to manage, grow and invest their resources.

In 2014, FK’s efforts were recognized with the Skoll Award for Social Entrepreneurship, which also provided support to expand beyond Latin America and work in Africa and Asia, with the goal of reaching 25 million poor individuals and their families in 22 countries worldwide by 2020.

A recent grant from the International Fund for Agricultural Development (IFAD), aimed at enhancing the financial inclusion and livelihood components within IFAD country operations, is now at inception stage. One of the countries covered within this grant is Tanzania, with an ongoing Marketing Infrastructure, Value Addition and Rural Finance Support Programme (MIVARF) project based in Arusha. The goal of the project is to reduce rural poverty and accelerate economic growth on a sustainable basis.

FK intends to help strengthen the financial capabilities of productive farmers’ groups which have been formed within this project, by providing the members with financial education that is relevant and practical.


The goal of this assignment is to provide the necessary background information about the financial behaviour of farmers and the productive groups within the MIVARF project in order to guide the development of the content of the financial education program, the choice of channels for delivery, and the geographical scope of the intervention.

The specific objectives of the assignment are as follows:

1.      To understand the livelihoods of the farmers, the periodicity and the financial transactions associated with the key activities within the productive cycle.

2.      To document the financial products and services currently used by the groups and their members, and the current level of satisfaction of the services received.

3.      To research the type of financial service providers available to the farmers and their physical accessibility.

4.      To understand the attitudes and perceptions of the farmers towards the financial institutions, the services they have access to, and currently use.

5.      To assess the financial capability of the farmers: awareness, financial sophistication, budgeting and planning abilities.

6.      To investigate how they currently receive information about new services: agricultural and financial.

7.      To assess the financial education needs of the farmers, based on their requirements for additional knowledge.

8.      To assess the capabilities of the service providers currently contracted by MIVARF to deliver a mix of skills to the beneficiary farmers.

9.      To verify the effectiveness of the current knowledge transfer mechanism used by the MIVARF project, primarily the delivery of services by contracted service providers.

The consultant is expected to suggest an appropriate mix of qualitative research tools such as focus groups and in-depth interviews that will provide the relevant level of insight into the needs of these productive farmers groups. He/she is also expected to review existing financial inclusion survey results, and use these to inform the design of relevant instruments for the design work.



•       Review pertinent reports relevant to rural financial inclusion, and agricultural livelihoods.

•       Document the extent of the current MIVARF outreach programme.

•       Review the performance of current Service Providers who manage the MIVARF groups, using information routinely collected by the programme.

•       Identify the various types of actors who will need to be interviewed to build a comprehensive picture of the situation in the field (this might include: ordinary participants, community leaders, government functionaries, MIVARF promoters, local authorities).

•       Define an analysis plan, identifying key points and most relevant issues that will guide the presentation of the results and the structure of the final report.


•       Consider the various qualitative tools that can be used and suggest the appropriate mix.

•       Determine how many individuals and groups should be contacted using each type of tool, their basic characteristics, and their geographic locations.

•       Design the materials required to use these tools in the field, e.g. interview guides for in-depth-interviews.


•       Conduct the fieldwork and take detailed notes, including photographs and mini-videos where appropriate (with the necessary permissions from participants).

•       Use qualitative techniques to analyse the information collected.

•       Collate transcripts and field notes so they can be accessed and referred to by others.


•       Produce a readable, actionable report.

•       Make a presentation on the results to the project team.


The consultant will conduct the greater part of this assignment in the field, interacting with MIVARF staff, service providers and the farmers’ groups.

The work will be directly supervised by the Fundación Capital’s Operations Officer, who is resident in Tanzania. The deliverables will be reviewed by a team of experienced FK staff who will provide advice and guidance, and make requests for changes to the methodology or the report.

This assignment is expected to commence in February 2016, and be completed by the end of April 2016 latest.


The following will be the deliverables of the project:

•       Interview guides for all the qualitative techniques recommended.

•       Verbatim transcripts translated into English of all interviews.

•       Annotated photographs and videos from the field.

•       A report detailing the main findings of the research.

•       A PowerPoint deck summarizing the main findings, presented to the project team in person, or by Skype.


The project is expected to be conducted by a project lead, together with a field assistant. The project lead would be expected to meet the following professional criteria:

•       Academic qualification in social science research

•       A minimum of three years experience in qualitative field research

•       Good analytical and writing skills

•       Fluent in Kiswahili and English

In addition, it is expected that the fieldwork will be conducted by a researcher who is:

•       Able to connect with respondents (from a cultural point of view, dress appropriately, etc.)

•       Able to interpret non-verbal communication and cultural-specific references

•       Able to clearly understand the objectives of the study and convert these into user-friendly questions and probes that the target market can relate to


The proposal must provide evidence of the technical capacity of the team to undertake this exercise. This includes capacity to deliver the results in the timeframe provided, as well as an overview of prior experience in conducting qualitative research for this target population. Experience in the financial inclusion field would be an asset.

Number of days to be spent on each task or activity should be specified by team member. Daily rates should be clearly stated, as should any ancillary costs related to carrying out the assignment.

Questions or comments in respect of these terms of reference should be directed to

Proposals should be submitted by email to: by 8 January 2016. Selection of the consultant will be completed by 15 January 2016.