Thông tin dự án Shift cửa sổ 2. mô tả những thông tin ngắn gọn cũng như yêu cầu của dự án 1. How many total final beneficiaries will the Project reach cumulatively by the end of project duration? What development impact will it have, especially for women, poor andor vulnerable groups? Please describe briefly: the number of households which realistically will benefit (cumulatively) if the outputs will be delivered by the end of project (please explain the logic behind the proposed figures); the impacts, especially for women marginalised poor, the Project will have and how sustainability of results will be ensured after the project duration.
Trang 1Photo by Khánh Hmoong,
Fostering innovative business models for women’s financial inclusion
Trang 2Second window:
Fostering innovative business models for
Women’ financial inclusion in CLMV
THE CHALLENGE
The SHIFT Challenge Fund Facility second window challenges financial services providers and real economy actors to develop or scale-up
innovative and sustainable business models, and cross-sector
partnerships, for advancing women’s financial inclusion in Cambodia, Lao PDR, Myanmar and Viet Nam.
Trang 3 The bottom line for SHIFT Challenge Fund: It’s all about impact We are trying to
trigger change that either: i) increases the volume of financial services available to
Women (consumers or entrepreneurs) in CLMV; and/or ii) increases the number of Women (consumers or entrepreneurs) that have access to formal finance products
and services;
SHIFT looking to support projects that are perceived by commercial financial providers as too risky to be wholly or partly funded by ‘the market’ Nonetheless,
projects must have the potential for commercial sustainability
Projects must demonstrate some potential for growth and/or replication
Scale-up and growth stage projects must have additionality and promises an exponential increase in outreach
Project must be innovative in some way: SHIFT views innovation in its broadest
sense including: i) a new approach, new idea, new product or new service that has not been tested anywhere; ii) new to CLMV; or iii) has not been applied to the sector
in question of the proposed project
Some Key Principles
Trang 4Who is eligible to apply?
o Licensed financial institutions (Banks and non-banks financial institutions,
including State-owned commercial banks or other state-owned financial
institutions)
o Registered financial services providers, companies from all sectors and federations/associations (in consortium with businesses and/or
financial institutions)
o Applicants may be registered in CLMV or foreign, provided the project
benefits women’s financial inclusion in CLMV.
Examples of eligible applicants are: Telecommunication providers, garment
factories, input/seed suppliers, equipment suppliers/distributors; dairy groups; tourism chains; large agro-processors and exporters, large agriculture (women) cooperatives, business incubators, energy providers, renewable energy
appliances producers, recycling plants, housing corporations, regional and
multinational companies with extensive supply chains, and alternative platforms that connect women entrepreneurs to long-term capital, commercial banks,
leasing companies,, etc.
Trang 5Closing of the EoI phase
Continuous support to applicants
Information workshops
Opening of the 2nd window for EoI
Information phase
What is the process?
Evaluation
of proposals
Closing of the proposals phase
Continuous support to shortlisted applicants
Information workshop
Eligible EoI are invited
to submit a proposal
End of the project
Follow-up and disburse-ments
Proposal Implementa-tion
Signing of the grant agreement
Notification of wining proposals
22 nd February
2018 at the latest
From August 2016
Trang 6EoI evaluation
• EoI are first screened to check that they are eligible (country,
focus on women, legal status of applicants, EoI template fully filled in etc.
• Eligible EoIs are brought to our Investment committee (IC)
meeting on 28 April in BKK
• The EoIs are reviewed by the IC with attention to three areas:
• 1 Technical merit: How good and relevant is the idea?
• 2 Organisational capacity: Are the applicants capable of
carrying out the idea?
• 3 Cost sharing: Is the applicant fully committed financially
to the success of the project?
Trang 7EoI evaluation…Con’t
Evaluation area
The idea Does the EoI focus on women’s financial inclusion?
Does it meet a need/demand in the market?
Are other organisations providing the same service/product/delivery channel already in the country/area? How financially sustainable is the idea? Does the applicant use subsidies to lower the costs of products/services below market rate?
How large is the expected impact for women?
Is the EoI focusing on innovation or scaling up?
Does the project have the potential to be copied/replicated by other organisations?
Are there some potentially negative consequences to the project?
Does the project meet international good practices regarding inclusive financial services?
The applicant (s) Does the applicants/consortium demonstrate the required expertise/skills to implement the project?
Can the applicant continue to provide the service/product after the grant funding?
Did the applicant experiment with the concept already?
Did the applicant conduct preliminary research for the idea?
Is there a clear role for each applicant in a consortium?
Is there a clear exit strategy for applicants that will only participate to the development/piloting of the project?
Financial
commitment Is the propose contribution of the applicant appropriate considering the project size?Are the costs in the budget realistic?
Is the proportion between in-kind/cash/other funding appropriate?
Can the applicant demonstrate its capacity to provide the proposed contribution?
Is the applicant financially solid enough to carry out the project?
Trang 8Project Partners: Financial Institution Limited, Mobile Network Operator and FMCG
Project Fundamentals:
information in accessible reports through the use of smartphone
reliable MSEs data for loan decisions
Impact:
Innovation:
to CLMV
for loans
management operations, which previously would be out of the reach of micro and small enterprises.
Capacity to Implement:
third largest mobile company in CLMV and Financial Institution Limited is a SME focused bank - have the
capacity to implement this project
Estimated SHIFT Funding: US$ 250,000 (45% of total project costs)
Mini-ERP System XYZ Project example