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Support with Phase 2 of housing finance retail product piloting, capacity building and end of project reporting in Tanzania

Tanzania has one of the fastest
growing economies in the world, although the HMF sector is still in its
nascency hence, many families still struggle to access adequate and
affordable housing. The Center for Affordable Finance in Africa
estimates that Tanzania has a backlog of over 3 million homes, with
demand growing by 200,000 homes annually. The high cost of formal
financing options and limited affordable housing supply remain as key
barriers. It is therefore critical that our efforts to expand the market
are data-driven and informed by a strong understanding of low-income
families’ housing needs across the country

In March 2010, the Government
signed an agreement with the International Development Association (IDA)
for the Housing Finance Project (HFP), aiming at creating and
developing a sustainable, market-based mortgage market through the
provision of medium and long-term liquidity to mortgage lenders. To that
effect, the HFP has three components namely: Development of the Mortgage Market, Development of Housing Microfinance and Expansion of Affordable Housing Supply

As part of the implementation
of component one of the HFP, TMRC was established in 2010 and became
operational in 2011, as a Mortgage Liquidity Facility (MLF), a secondary
market financial institution offering long term loans to Primary
Mortgage Lenders (PMLs) for the sole purpose of PMLs extending
residential mortgages to their clients.

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1. About Tanzania Mortgage Refinance Company Limited (TMRC)

   Tanzania Mortgage Refinance
   Company Limited (TMRC) is a specialized private-sector financial
   institution that provides long-term funding to financial institutions
   for mortgage lending purposes. Since its inception, its objective has
   been to support financial institutions to do mortgage lending by
   refinancing Primary Mortgage Lenders’ (PMLs’) mortgage portfolios. This
   type of lending is also known as wholesale or secondary market lending.
   TMRC is neither taking deposits nor lending directly to individuals. It
   refinances mortgage loan portfolios rather than individuals mortgage
   loans and caters to banks rather than individual borrowers. . TMRC
   membership is open to banks and non-banking institutions which have an
   interest in the development of the housing sector with 32 banks and
   financial institutions in its portolfio currently.

   To date, TMRC has implemented
   this role fairly well with the outstanding loan book growing to TZS
   145.2 billion in June 2022, out of the total market mortgage portfolio
   of TZS 510 billion, implying that TMRC financed 28% of the market
   portfolio. TMRC has also helped to extend mortgage tenor in the market
   from 5 – 7 years in 2011 to 15 – 25 years in 2022, growing its number of
   shareholders from 4 to 17 including international investors such as
   Shelter Afrique and International Finance Corporation (IFC). The overall
   mortgage market in Tanzania has grown from Tzs 76 billion in 2011 to
   Tzs 510 billion in June 2022.

   TMRC with support from HFHI is
   now considering building a case for HMF in Tanzania and explore how the
   financial institutions can tap into this market through tailored loan
   products.

2. About Habitat for Humanity International

   Driven by the vision that
   everyone needs a decent place to live, Habitat for Humanity began in
   1976 as a grassroots effort and has since grown to become a leading
   global nonprofit housing organisation working in more than 70 countries,
   nine of them in Africa. Through financial support, volunteering or
   adding a voice to support affordable housing, everyone can help families
   achieve the strength, stability and self-reliance they need to build
   better lives for themselves.

   About Habitat’s Terwilliger Center for Innovation in Shelter (TCIS)

   The Terwilliger Center for
   Innovation in Shelter (TCIS), a unit of Habitat for Humanity
   International, works with housing market systems by supporting local
   firms and expanding innovative and client-responsive services, products
   and financing so that households can improve their shelter more
   effectively and efficiently. The ultimate goal of the Terwilliger
   Center’s market systems program is to make housing markets work more
   effectively for people in need of decent, affordable shelter, thereby
   improving the quality of life for low-income households.

3. Objective

   As part of the supporting the
   market to enable development and access of affordable housing finance in
   tanzania, TMRC and HFHI interned into partnership to help the market
   with skills to develop a housing microfinacne product(s) for the
   majority of Low Income Households who are excluded.

   HFHI and TMRC recruited
   Microsave consulting to support with offering Technical Assistance for
   the product development for two (2) partners financial providers. To
   date, product development has been completed and hence in conjunction
   with its partner TMRC, HFHI is seeking to engage a company/consultant to
   are looking for consulting services to support with the below as phase
   2:

• Facilitate Capacity Building of 2 FSP’s in rolling out the retail products:
  • Design and prepare training materials for the board and Financial Service Providers (FSPs).
  • Conduct the training physically for two days with 10 -15 participants from TMRC and the training implementing partner staff
  • Conduct Training of Trainers (TOT) on the developed product
• Support with pilot implementation:
  • Support the two (2) partner financial institutions to develop a pilot implementation plan
  • Develop project evaluation and impact measuring metrics with the bank
  • Conduct end-term pilot evaluation and make recommendations on product rollout or extension of the pilot
• Project reporting:
  • Conduct project evaluation and impact reporting
  • Data collection and analysis

1. Scope of Work

   HFHI,
   TMRC and the consultant will work together to design the Training of
   Trainers manuals and program, conduct the training for all stakeholders,
   support during pilot including pilot evaluation, conducting pilot and
   project review of the housing microfinace products rolled out by the two
   implementing financial institutions partners.

   The consultant or consulting firm will be expected to undertake the following activities:

2. Capacity Building

Work with TMRC and the two
implementing financial institutions to design and create a robust
capacity building plan for the partner staff, TMRC staff and other key
stakeholders as stipulated in the project plan to agree on the final
detailed scope and training implementation plan. This includes;

• Designing and preparing training materials for the board and Financial Service Providers (FSPs).
• Conducting the training physically for two days with 10 -15 participants from TMRC and other implementing partners
• Conducting Training of Trainers (TOT) on the developed product

1. Pilot Implementation Support

Working with the financial
providers implementing partners to develop an implementation plan for
product piloting and evaluation based on already defined project scope
and outcomes. This includes;

• Supporting the 2 implementing partners to develop a pilot implementation plan
• Developing project evaluation and impact measuring metrics with the implementing FSP’s
• Conducting end-term pilot evaluation and make recommendations on product rollout or extension of the pilot

1. Project Reporting

Provide overall project report based on the scope of work provided. This includes;

• Conducting project evaluation and impact reporting
• Data collection and analysis during the pilot period
• Support in development of MEAL reports
• Provide any recommendations for the successful roll out products in the market

1. Deliverables and Milestone

Activity

Timelines

Deliverable

Capacity Building

10 Dec 2024 – 30 Dec 2024

• ToT training manual/materials developed
• Capacity building for all the partner members (10 – 15 approx)
• Capacity building report developed

Pilot Implementation Support

02 Jan 2025 – 30 June 2025

• End of pilot implementation report
• MEAL report

Project reporting

01 July 2025 – 30 Sept 2025

• Project evaluation and impact report
• Pilot evaluation report

1. Eligibility criteria

   The research company/consultant should:

• Have at least 1-2 experiences in development of housing finance retail product in the local context
• Detailed Understanding of the Mortgage Refinance Companies and some of their products
• Understanding of the Tanzanian Financial market
• Assigned personnel should have the relevant qualification in the field of research, product development, and project management
• Experience in offering technical support and capacity building
• Ability to achieve maximum scope of reach with limited resources

1. Proposal Evaluation

   Proposals will be evaluated
   based on the consultant’s experience, strategic approach to project
   management, and cost-effectiveness. The selection will prioritize
   proposals that demonstrate a clear understanding of the project
   objectives and the capacity to achieve them.

   This consultancy offers a
   pivotal opportunity to impact the housing microfinance landscape in
   Tanzania by enhancing the capabilities of TMRC to offer
   capital/financing through the wholesale product to its members
   institutions, thereby increasing access to essential financial services
   for underserved communities.

   Proposal will be evaulated based on:

• Techncial Skills: Relevant technical skills to achieve the objectives
• Experience: Demostrated expertise of the company and individuals
• Understanding of the work: Content, quality of the proposal
• Cost effectiveness: Cost effective in delivery more scope with limited resources

How to apply

The deadline for submission is at 5:00pm EAT on 05 December 2024. Submission should be done to EMEANairobiInfo@habitat.org