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Details of EOI:

Selection of Partner Financial Institutions for household toilet financing strategy of the GAMA Sanitation and Water Project.

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Greater Accra
Accra Metropolis
Consultancy Services
EOI Contact Person:
George Asiedu - Project Coordinator



EOI Description:

The GAMA SWP is a Government of Ghana project supported by the World Bank and the Global Partnership for Output-based Aid. The main objective of the GAMA SWP is to increase access to improved sanitation and improved water supply in the GAMA, with emphasis on low income urban communities (LIUCs). To achieve the objective of increasing access to improved sanitation for close to 120,000 persons, at least 19,000 household toilets are to be constructed to serve poor households in these LIUCs. Output-based subsidies are provided to beneficiaries in targeted low-income urban communities to enable them to obtain toilets at reduced prices.

Nevertheless, even the subsidized cost of toilets is expensive relative to the amount of funds that targeted households can readily mobilize. To support scaling up of implementation, therefore, the Project seeks to involve licensed financial institutions that are willing to offer regular savings plans and affordable loan products that would enable eligible households to mobilize their lump sum contribution required before toilet construction can begin.


The Greater Accra Metropolitan Area (GAMA) Sanitation and Water Project (SWP) seeks to partner with financial institutions that are interested in offering savings and loan products to beneficiaries of the project for construction of toilets in their homes.


Partner financial institutions (PFIs) would be expected to offer standardized savings and loan products to GAMA beneficiaries, tailored to be suitable for home improvements, including construction of sanitation facilities/toilets. Each PFI would set its own terms and conditions for these products. Borrowed amounts are expected to range from GHC 450 to about GHC 4000, with most around GHC 1000

GAMA SWP would provide information on Project beneficiaries and suppliers (sub-project implementers, or SPIs), and link them to the appropriate agents in the Metropolitan and Municipal Assemblies (MMAs) that are involved in implementation. MMAs and SPIs would be expected to include information on savings and loan plans to be offered by PFIs as part of their marketing efforts.

The implementing Ministry would sign a Memorandum of Understanding with eligible PFIs, but would not provide any funds or compensation to the PFIs. [Grant funds under the Project to reduce the price of toilets to low-income households are paid directly to SPIs upon satisfactory installation and operation of toilets.] Nevertheless, in the future, arrangements to provide partial guarantees against losses on toilet loan portfolios may be considered for qualifying PFIs.

Eligibility Criteria

PFIs must be licensed and compliant with Bank of Ghana regulatory requirements; financially sound for at least three years; have a record of satisfactory loan recovery performance; and three or more branches within GAMA.

Below are the criteria that will be used to assess eligibility for partner FIs. Interested FIs will be required to provide supporting documentation to support their expression of interest. To qualify to be short-listed, the FI should:
• be licensed and compliant with Bank of Ghana regulatory requirements (supporting document required - Copy of license (or license number) from Bank of Ghana as a Universal Bank, Rural or Community Bank, Savings & Loan Company, Credit Union, Microfinance Company, Financial NGO, or Money Lender);
• be financially sound for at least three years (supporting document required: 3 years of audited financial statements (since 2013) ;
• have a record of satisfactory loan recovery performance - Loan loss ratio must be below 10%;(If not included in the financial statements, a statement providing loan loss ratios or portfolio at risk on the standard commercial loan portfolio is required)
• Have been in operation for a minimum of 3 years with three or more branches within GAMA.

It is expected that 5-10 MFIs will be selected in this first call. Financial institutions that are interested in partnering with GAMA SWP should submit an expression of interest describing the institution's interest, the extent of its existing products for household improvement, and willingness to provide savings and loans products in support of household sanitation.

The following additional information should also be provided:
• Number of years in operation (minimum of three years required), organization chart, type of clientele served, and number and location of branches in GAMA;
• Savings and loan products currently offered, including charges on commercial micro/small enterprise loans (commitment fees; interest rate, and whether on a flat or declining balance basis);
• Current staffing, overall and number of loan/credit officers.

The attention of interested Financial Institutions is drawn to paragraph 1.9 of the World Bank's Guidelines: Selection and Employment of Consultants [under IBRD Loans and IDA Credits & Grants] by World Bank Borrowers, dated January 2011, and revised July 2014 ("Consultant Guidelines"), setting forth the World Bank's policy on conflict of interest.
Firms may associate with other firms in the form of a joint venture or a sub- consultancy to enhance their qualifications.

Further information can be obtained at the given address below during office hours between 10.00 to 16.00 hours.

Expressions of interest (one (1) original and four (4) copies) must be delivered in a written form to the address below in person by 16.00Hrs GMT on May 30, 2017.

The Project Coordinating Unit
Location: Within the Premises of Institute of Local Government Studies (ILGS)
Ogbojo, near Madina New Road Estate — Accra, Ghana.
Email: soteng@lgpcu.org
Tel. +233 (302)504739/40; Mob. +233 (0507443161)

Special Requirements

For more information about this EOI please contact:

George Asiedu - Project Coordinator









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