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Tender description :
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Tenders Are Invited for Re-adv|terms of Reference (tor) - Financial Inclusion Consultant
Scope of Work
The consultant will be responsible for the following, in close collaboration with the Shedo Project Lead:
Conduct desk research on current practices & challenges in business loans for women in Iraq, assess existing tools, policies and procedures.
Lead the technical design of a concise, plain-language "Lending Guide" that gives women practical checklists, templates, and examples for building a loan application in Iraq.
Prepare financial inclusion training materials and tools & co-deliver financial inclusion training.
Provide expert advice in co-designing tools with partner MFIs/banks & Project Team to improve lending process for women-executives & MSME business leaders.
Participate as a technical expert in two (2) high-level Policy Roundtables with MFI/bank leaders, regulators (CBI, MoF), and other government bodies.
Assist in drafting two (2) Policy Guidance Notes based on project evidence and bottlenecks observed during the project.
Shedo is the next-generation Social Enterprise & NGO, which connects, equips, and champions women leaders across Iraq & KRI, and the international community working here. Think of SHEDO as a two-motor vehicle: the NGO engine powers community outreach and advocacy; the social-enterprise engine earns revenue through L&D, network services, consulting, and data dashboards. Both run on the same fuel—women’s untapped potential.
Before we kept meeting brilliant women who just needed a runway, SHEDO now builds that runway end-to-end: A to Z project delivery that starts with needs diagnosis and ends with measurable social and economic returns—no hand-offs, no cold chains, just seamless impact.
2. Introduction to the Project & Call for Experts
Building Modern Economy Inclusion for Women MSMEs in Iraq Program is implemented by Shedo as part of SPACE (Strengthening Participation, Peaceful Coexistence and Equality in Iraq). SPACE is funded by the German Federal Ministry for Economic Cooperation and Development (BMZ) and supported by the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH.
The project's objective is to strengthen the economic participation of women in Federal Iraq by improving their access to formal financial services (access to finance/A2F). We will achieve this through a dual strategy of building women's financial capabilities and co-designing better, more transparent lending tools with Iraqi financial institutions.
To achieve this, Shedo is seeking an expert Financial Inclusion Consultantto provide high-level technical expertise on MSME lending, credit products, and financial policy in Iraq.
Objectives of the Consultancy
The primary objective of this consultancy is to provide expert technical guidance to the Shedo team and our financial partners (MFIs/banks). The consultant will be the key expert in co-designing the practical tools and policy recommendations that will make the lending process in Iraq faster, fairer, and more transparent for women.
Scope of Work
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