Tenders are invited for Supply of Vehicle. Location: Kigali Deadline: Wednesday, 06/05/2026 17:00 INTRODUCTION Sustainable Growers is a non-governmental organization (NGO) that specializes in innovative coffee cultivation training techniques for smallholder women coffee farmers, with the goal of increasing their visibility in the coffee supply chain. Bloomberg Philanthropies has supported Sustainable Growers since its inception. This partnership along with the commitment of the governments of Rwanda, the Democratic Republic of Congo, and Tanzania has transformed the lives of 77,232 women farmers, creating a secondary impact on 341,818 family members. In this context, Sustainable Growers is seeking qualified service providers to supply a digital Team Savings and Lending (TSL) management system, commonly referred to as a Village Savings and Loan Association (VSLA) system. 1.1.Background and Rationale Sustainable Growers Rwanda continues to strengthen the financial literacy and economic resilience of women coffee farmers through the Team Saving and Lending (TSL) and Agrifund approach, among others. TSLs have proven to be an effective mechanism for improving womens access to financial resources, enabling them to invest in household needs, agricultural inputs, and other income-generating activities. SGR is supporting the formation of 830 new TSLs, including 553 teams in Rwanda, 168 teams in the Democratic Republic of Congo, and 109 teams in Tanzania. In this context, Sustainable Growers Rwanda is seeking a qualified fintech company to provide and operationalize a contextually relevant digital TSL Management System that enhances the management of savings and lending activities among teams and members. 1.2.Goal The objective of this assignment is to provide an integrated, high-performing mobile and web application that digitizes the end-to-end TSL process, delivered by a qualified and experienced digital service provider. The process will include ensuring the seamless onboarding of 830 TSLs onto the mobile and web application and enabling teams to conduct their transactions digitally. In collaboration with Sustainable Growers Rwanda, the service provider will first work to understand the dynamics of TSL operations. Based on this understanding, they will customize and deploy a high-performing mobile and web application that responds to the contextual needs of the teams. The service provider will also play a key role in guiding TSLs throughout the change management process, ensuring effective onboarding, adoption, and use of the new mobile and web application. 1.3. Specific objectives To accomplish the main objective of this assignment, there are specific objectives: i. Customize a user-friendly TSL mobile and web application that responds to TSL digitalization needs, including the onboarding of 830 TSLs, digitization of VSLA ledgers, and a marketplace to facilitate financial linkages and other related services. ii.Develop or adapt a user-friendly TSL digitalization platform/application that responds to TSL digitalization needs including digitizing the VSLAs ledger, marketplace to facilitate financial linkage and other services. iii.Develop a clear detailed Implementation Plan outlining specific steps, activities, and timelines essential for executing the TSL digitalization end to end process. Ensure alignment with Sustainable Growerss organizational mission, strategic priorities, and adaptability to potential challenges. iv. Develop a comprehensive Stakeholder Engagement Plan with communication strategies, feedback mechanisms, and methods for inclusivity throughout the digitalization process.v. Pilot the platform to ensure a seamless integration in digital application that considers TSL operations, recognizing and accommodating the unique needs of Sustainable Growers supported groups. v.Capture all records from each TSL from the beginning of the current cycle, to ensure that by the end of the operation cycle of each TSL all their records will be included into the system.vii. Provide training to SGR staff members on the use of the application and on the specific roles of each person. vi. Managing user and access administration on behalf of SGR, while granting SGR with equivalent access to parform the same functions. vii. Provide ongoing support to SGR throuhgout the life cycle of the contract to ensure seamless operations. 1.4.Expected impact for women coffee farmers Reduced meeting time by team members Accurate share-out at the end of each saving cycle Improved financial transparency among all women coffee farmers members of the team4. Reduced fraud risks Stronger loan discipline Easier monitoring by SGR Improved credit history for women 1.5. Scope of Work: The service provider shall deliver the TSL Digital Platform as two integrated components sharing a single backend and database: Mobile Application (Android) A native Android mobile application designed for use by TSL group leaders (President, Treasurer, Secretary) during and between meetings. The application must: Support Android version 8.0 (Oreo) and above Function fully offline during meetings, with automatic background sync to the server when internet connectivity is restored Require no more than 50MB of storage on the device Operate on entry-level Android smartphones with a minimum of 1GB RAM Support Kinyarwanda, English and Swahili as selectable interface languages Use icon-driven navigation with minimal text input, designed for users with low digital literacy Be distributed via a direct APK download link managed by SGR. Web Application (Browser-Based) A full web application accessible via any modern browser (Chrome and Firefox minimum) on desktop and laptop computers, designed for use by SGR staff. The web application must provide complete functionality for group management, member management, financial oversight, reporting, and data administration. It is not an admin panel; it is a fully featured interface equivalent in data access to the mobile application. It must: Require no software installation Support the same five user roles defined in Section 2, with role-based access enforced consistently across both mobile and web Reflect real-time data. Any transaction entered on mobile and synced must appear on the web interface immediately 1.5.1. Core Functional Modules The platform must include the following modules, operational on both mobile and web unless otherwise specified: a) Group Management Module Create and configure TSL group profiles including all parameters defined in Section 2.2 Lock group configuration once a saving cycle begins Automatic cycle countdown and end-of-cycle trigger Support multiple concurrent active groups per Regional Coordinator view b) Member Management Module Member registration with mandatory fields: full name, national ID or equivalent, phone number, gender, district, cooperative, and Team Digital passbook per member showing full contribution and loan history Member phone number validated at registration as it is the primary notification address Ability to deactivate a member without deleting their historical records c) Savings and Share Management Module Weekly, bi-weekly, or monthly share purchase entry during meetings Real-time calculation of individual and group share totals Agrifund contribution tracking per member Social fund contribution tracking per member Fines from members Historical contribution view per member and per group d) Loan Management Module Loan request initiation by group leader on behalf of member Group approval vote recording Automatic enforcement of loan eligibility rules (maximum 3x savings, no active unpaid loan) Auto-generated repayment schedule at disbursement Repayment recording with interest calculation Overdue loan flagging with Portfolio at Risk (PAR) calculation visible to group leaders and SGR dashboard e) Meeting Management Module Attendance recording Sequential transaction entry for all meeting activities (savings, loan repayments, Agrifund, social fund, new loan approvals) Transaction lock once meeting is closed. No edits permitted post-closure without dual approval Auto-generated meeting summary upon closure, available as a printable PDF from the web application f) Share-Out Automation Module Automatic end-of-cycle share-out calculation using the formula defined in Section 2 Individual member payout breakdown Leader verification screen before share-out is confirmed Printable share-out report available from web application SMS notification to each member with their individual payout amount g) Member Notification Module (SMS) The financial proposal must clearly include SMS costs. The service provider must specify the SMS gateway used per country (Rwanda, Tanzania, DRC) in their technical proposal Notifications delivered in the members group language (Kinyarwanda, Kiswahili for Tanzania and Kiswahili of DRC) SMS notifications to members triggered automatically for each of the following events: share purchase recorded, loan approved and disbursed, loan repayment recorded, overdue loan alert, end-of-meeting account summary, and share-out payout amount h) SGR Reporting and Dashboard Module (Web Application) Real-time performance dashboard accessible to Head of Programs, MEAL Manager, and Regional Coordinators according to their role permissions Dashboard metrics as defined in Section 2 including active groups, total savings mobilized, total loans disbursed, Agrifund collected and withdrawn, interest earned, default rate, average savings per woman, and percentage of members linked to coffee income Data filterable by district, cooperative, team, and cycle year Data export in CSV and Excel formats covering all group, member, and transaction records Export files must Tender Link : https://www.jobinrwanda.com/job/tender-notice-supply-vehicle
