Tenders Are Invited For Exploratory Study On Community Savings Mechanisms And Conditions For Developing Solidarity Financing For Housing Improvement

Tenders are invited for Exploratory Study on Community Savings Mechanisms and Conditions for Developing Solidarity Financing for Housing Improvement Identify the actors, mechanisms, and operating modalities of community savings (tontines, savings groups, and related forms) in the communities of Kaédi, analyzing in particular membership rules, amounts mobilized, frequency of contributions, governance models, trust mechanisms, use of funds, the place of women, and any conflicts or limitations encountered; · Study past or ongoing initiatives and experiences of community, solidarity-based, or collective housing financing in Kaédi, identifying successes, difficulties encountered, and opportunities for development, including informal mutual aid experiences for the construction, extension, repair, or improvement of housing; · Analyze the socio-economic, cultural, religious, institutional, and regulatory factors that influence the practice of community savings and the development of solidarity-based or community housing financing, paying particular attention to issues of trust, governance, indebtedness, household solvency, compatibility with local religious norms, and compliance with the applicable regulatory framework; · Formulate practical and operational recommendations, distinguishing: (i) measures for the immediate strengthening of existing community savings mechanisms; (ii) the minimum conditions to be met before any housing-related experimentation; (iii) risks to be avoided, in particular over-indebtedness, social tensions, exclusion of the poorest households, or the establishment of mechanisms not compliant with the regulatory framework; (iv) potential partnerships with local actors, microfinance institutions, local authorities, community organizations, and existing programs. The budget allocated for this consultancy is set at 7,000 (seven thousand euros) , all taxes included. This amount constitutes a fixed lump-sum package that cannot be exceeded or subject to any request for additional funding, except in the event of a substantial modification to the scope of the mission jointly validated by both parties [Disclaimer: The above text is machine translated. For accurate information kindly refer the original document.] Tender Link : https://www.coordinationsud.org/appels-doffres/?_localisations=afrique%2Casie%2Cmoyen-orient