Projects

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Assignments undertaken for Micro finance capacity building

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Project Name:

Comprehensive assessment of the Rural Finance Project and Institutional strengthening of the microfinance institutions/non-bank financial institutions in Gambia. 2013

Project objectives:

Assessing and provision of technical assistance in strengthening of the microfinance institutions/non-bank financial institutions. The study was aimed at enabling sustainable development of VISACA and NBFI networks that would enhance the accessibility and impact of the rural poor to a broad range of financial services throughout the country.  For the VISACAs particularly, emphasis was to be put in ensuring the women and youth have access to financial services through project interventions and for which these target groups have greater say in the whole operations of the VISACAs.

Project activities:

The assignment, divided into two phases involved the following activities: –

a)   Phase 1: Preparations involving a mission to the project involved the following activities: – Held start up meetings; Assessed the state of project implementation since its launch in 2008; Discussed implementation constraints; Undertook field mission to interact with the VICASAs and community members; Developed a multi-year and detailed annual workplan with corresponding budget requirements and Prepared a phase 1 report including a road map of support to be provided to the project

b)   Phase 2: Provided technical support to RFP for implementation of planned activities; Proposed integrated monitoring system; Developed a global and conceptual framework for sustaining the VICASAs; Led in the establishment of a pilot training fund aimed at addressing training and capacity building needs of the MFIs; Provided continuous support to the NBFIs in product development; Reviewed the draft national microfinance policy and provided technical backstopping to the RFP by quarterly visits and periodic reports.

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Project Name:

TJX- Self Assessment of craft groups in Rwenzori and Kampala region – 2014

 Project objectives:

Aiding TJX’s vision to evolve from an “aid-based” to “trade-based’ relationship with the communities through using its purchasing power

Project activities:

a)    Supported the process of Self-Assessment across all supply chains with her Vendors in Uganda.

b)   Trained TJX vendors to understand the requirements against which they are self-assessing so that they would complete the process of self-assessment and also develop an action plan for continuous improvement and get a clear picture of the risks associated with TJX vendors as well as enable each of its vendors to develop a credible plan to mitigate those risks, starting with the most serious ones.

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Project Name:

Facilitation on the TJX vendors code of conduct and Fair Trade principles to Bundikakemba co-operative society in Bundibugyo

 Project objectives:

Supporting the process of Self-Assessment across all supply chains with her Vendors in Bundikakemba co-operative society in Bundibugyo district

Project activities:

a)    FCL trained TJX vendors to understand the requirements against which they are self-assessing to complete the process of self-assessment and

b)    Developed an action plan for continuous improvement;

c)    Get a clear picture of the risks associated with TJX vendors as well as enable each of its vendors to develop a credible plan to mitigate those risks, starting with the most serious ones.

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Project Name:

Bank Study for craft producer groups in Fort Portal and Kasese – TJX 2014

 Project objectives:

Addressing the failure of the craft groups to reconcile balances which often caused confusion and worry amongst the members.

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Project Name:

Financial Services Survey of USSIA Members

Project objective:

The objective of the consultancy was to identify appropriate financial products for USSIA members and support required to enable them better access to financial services.

Project activities:

a)    Identifying products offered by Financial Institutions and related initiatives which are appropriate for USSIA members and how they match the needs/demand of the members;

b)    Identifying possible support by USSIA to facilitate the access to financial services and to enhance creditworthiness of its members.

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Project Name:

Organisational Self-Assessment (OSA) and Development of 3-year Strategic Business Plan.

Project objective:

The OSA focused on reviewing the strengths and areas for improvement, which would in turn inform development of the business plan.

FRIENDS Consult accordingly provided the required institutional development support by facilitating the OSA and developing a 3-year strategic plan aimed at making KIDFA more responsive to the needs of the farmers within the district, operate effectively and efficiently and grow.

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Project Name:

Business Analysis and business plan for the development of an upscale tourist lodge in lake Mburo national park. 

Project activities:

The assignment involved articulation of the concept for Arcadia Cottages that aimed at developing tented camps and African themed accommodation for tourists around Lake Mburo National Park area and analysis of the site. The output was a bankable business plan that enabled the client to obtain loan funding to complement their own equity in putting up the facility.

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Project Name:

Organisational Self-Assessment (OSA) and Development of 3-year Strategic Business Plan.

Project objective:

The OSA focused on reviewing the strengths and areas for improvement of the women’s association. Information generated was aimed at developing a 3 year business plan to guide the operations of the association during the planning period.

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Project Name:

Feasibility Study for Property Development of a Four Storied Hostel Block in Kampala.

Project activities:

FCL assessed the project business viability including market potential, organisational capacity and project performance.  The study concluded on the high business potential leading to access of a bank loan for the client that has enhanced successful operations

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Project Name:

Developed a Business Plan for the Introduction of the Road Haulage Service

Project activities:

The assignment involved a demand and supply study of the market and preparation of the business plan. This enabled MTTS to acquire a term loan that enabled them to finance diversification of their project.

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Project Name:

Feasibility Study for a Bankable Term Loan and Training in Internal Controls

Project objective:

The study aimed at attracting potential financiers and its results (business plan), lead to the term loan acquisition and successful business expansion of the fleet by 20 vehicles.

Project activities:

FCL also mentored KFL staff in the use of the accounting system and trained the management and staff to appreciate their roles in ensuring the smooth implementation of proper internal controls

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Project Name:

Design of an Accessible and Practical Course on ‘Entrepreneurship Skills’ for the Club Members

Project activities:

FRIENDS Consult developed and delivered the course that covered key business principles for a successful enterprise. The training specifically covered areas of planning, financial discipline, promotion and sales volume development, customer care, quality control and partnership development.

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Project Name:

Business auditing of the company

Project activities:

FCL undertook a company diagnostic by analysing the business activities, staff and management skills and practises, governance style and processes in place and made the necessary recommendations. This helped to support the business growth by increasing its capacity within the constraints of resources availability.

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Project Name:

Design of Nabagereka Trust Development Funds

Project activities:

FRIENDS Consult undertook a market research and designed a six-year strategic plan including major SMME development components of the Nabagereka Trust Development fund

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                                     Monitoring and evaluation

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Project Name:

Baseline Study and Regular Impact Monitoring for the Umurenge SACCOs (U SACCOs) Automation Project

Project objectives:

The baseline study along regular impact monitoring were undertaken to track progress on the key performance and impact indicators in the following project outcomes: Improvement in SACCO operations and reporting; Increase in active SACCO accounts; Decrease in fraud cases; Increase in savings for SACCOs resulting from the efficiency improvements; and improvements in client perceptions of SACCOs.

Project activities:

a)    Phase 1-Baseline Study: The goal of the baseline survey was to assess the existing conditions and issues affecting SACCOs and SACCO clients, which will help to track project progress, performance and measure change in SACCO operations in the short, medium and long term.

b)    Phase 2-Monitoring and Evaluation Support: This phase of the assignment entailed the development of a  detailed monitoring and evaluation framework to include routine monitoring plan, quick surveys plan, learning agenda, midterm evaluation and impact assessment.

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Project Name:

Conducting a Baseline Project for Financial Inclusion project in Rural Areas (PROFIRA)

Project objectives

Establishing and mapping out the existing socio-economic characteristics of the households, borrowing and saving behaviors for benchmarking to enable future measurement of the effects and impact of the project interventions.

Project activities:

Conducted  the household demographics of the target areas to establish;

a)    Households asset ownership index and food security in the sample areas on the variables of financial assets agricultural production assets, physical assets and human assets

b)    Anthropometry characteristics of households –children under 5 years i.e. to calculate the indices that measure malnutrition – underweight, stunting and wasting

c)    Women Empowerments in Agriculture Index in the areas of decision making about agricultural productions, access and production assets, control over use of income, leadership in the community and time use

d)    To establish baseline information on crosscutting themes including economic activities, HIV/ AIDS prevalence and local leadership.

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Project Name:

Endline Evaluation of the  Opportunity International Girls’ Education Challenge Project

 Project objectives:

To establish the success of the project in reaching marginalised girls, enabling marginalised girls to be in school, influencing marginalised girls’ learning; and to document lessons learned in terms of what has worked, why and with what effect.

Project activities:

a)    Reviewed the extent to which the GEC reached and affected marginalised girls

b)    Assessed the impact of the  project on marginalised girls’ learning

c)    Analysed the impact the GEC project had on enabling marginalised girls to be in school

d)    Reviewed what had worked, why and with what effects

e)    Assessed how the project performed against its target outputs in the logframe and did the project successfully overcome barriers to girls’ education outcomes

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Project Name:

Mid-term evaluation of the Girl Education Challenge fund

Project objectives:

To assess key performance indicators including  outcomes and documenting lessons learned from the project

Project activities:

a)    Reviewed the project on marginalised girls’ learning, on literacy outcomes, on numeracy outcomes, indirect impact on learning, unintended impacts on learning   and learning among marginalised girls  

b)    Reviewed project performance on enabling marginalised girls to be in school        

c)    Reviewed the extent to which project had reached and impacted on the marginalised girls        

d)    Documented the project performance and key lessons learnt

e)    Assessed the scalability and sustainability of the project activities.   

f)    Identified the impact of the project, as defined by the observance of improved learning and retention;

g)    Assessed Value for Money, the projects ability to deliver outcomes at an appropriate cost;

h)    Lesson Learning, defining what works to increase the enrollment, retention and learning of marginalised girls

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Project Name:

Baseline survey for the Girls’ Education Challenge Project

 Project objectives:

Designing, planning  and conducting a baseline study for the project

Project activities:

a)    Reviewed the M&E Framework, project proposal, logframeof the project

b)    Designed and implemented a baseline study as an integrated part of the overall M&E strategy and plan for the project

c)    Held meetings with beneficiary groups, stakeholders, OBUL staff and  government officials to obtain key information for designing the baseline survey framework and methodology;

d)    Developed baseline survey framework and gender disaggregated questionnaires for collecting quantitative and qualitative data that can be replicable in consultation with OBUL and Opportunity International.

e)    Conducted and lead field data collection (both for the school survey and household survey); including selecting a sample size large enough to be statistically representative and include a control survey among the sample group. 

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Project Name:

Action Research for Village Savings and Loans Associations  (VSLAs) and  Bank Linkages Initiative Pilot for CARE’s Banking on Change (BOC) Project, in partnership with Barclays Bank Uganda (BBU) and 4 Implementing Partner Organisation (IPOs)

 Project objective:

Contributing towards improving the quality of life for the poor people by enhancing, innovating, and accelerating sustained access to savings and other financial services for the poor through promotion of VSLAs and bank linkages for the mature VSLAs.

Project activities:

a)    Validation and documentation of assumptions on anticipated benefits/risks of bank linkages to targeted  beneficiaries, and

b)    Identification and documentation of key lessons on what has worked and what has not worked; as well as making recommendations to inform project implementation and future programming on linkages.

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Project Name:

Linking of Credit Unions (Financial Coops) to Community Finance Groups in Uganda

 Project objectives:

Identifying the conditions mutually linking relationships between credit unions and community finance groups.

Project activities:

a)    Measured the costs and benefits associated with initiating and maintaining linkage relationships

b)    Determined which types of linkages generate the greatest net benefit

c)    Identified the key factors that influence the above

d)    Drew a report to inform the development of guidelines that groups and financial co-ops can use to evaluate linkage as a general strategy and whether a particular linking relationship is beneficial. The research will also inform replication of linking approaches in other regions and countries.

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Project Name:

Learned Review Study of the Promoting Village Savings and Loans Associations Model to Augment Cash Transfers (CAST) Project

 Project objectives:

Providing CARE International, DFID Uganda, SAGE and other stakeholders an opportunity to openly review and discuss lessons learnt over the project implementation period; with the objective to determine the carry-overs and potential replication as well as to inform future programming.

Project activities:

a)    Assessed the status of the CAST project beneficiaries

b)    Assessed the project design as a potential innovative and mutual –addition approach to interface VSLA and cash transfer models in delivering social protection support and determining value addition of the approaches

c)    Assessed the efficiency and effectiveness of the project implementation approaches; and also examining the relevance of the CAST project interventions to social protection in the Ugandan context

d)    Assessed the sustainability strategies put in place during project Implementation

e)    Appraised and documented the extent to which the IPOs have developed their capacity to implement the adjusted approach of interfacing the VSLA model with that of the cash transfers.

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Project Name:

Evaluation and project completion report for the ‘Scaling Up Savings To Augment Income Nationally’ (SUSTAIN II) Project

 Project activities:

The assignment assessed the extent to which the SUSTAIN II project had achieved its overall goal and purpose; identified impact of the project on the target beneficiaries; appropriateness, sustainability and how replicable and relevant the VSLA model is for the other parts of the country.

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Project Name:

Assessment of the activities of the Austrian Development Cooperation (ADC) in the  area of microfinance in Uganda

Project objective:

The assignment aimed to update ADC on the situation of Uganda’s microfinance industry, assessment of the past interventions (2001 to 2006) and, in context, made recommendations that informed ADC in its country programme for 2007 to 2009; and for future interventions.

Project activities:

FRIENDS Consult also assessed the economic, social and institutional sustainability of the ADC supported projects in Uganda, and documented experiences and lessons learnt in their implementation; assessed of Uganda’s microfinance industry and made recommendation of possible future areas of ADC in microfinance intervention and potential partners.

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Project Name:

Monitoring of the three (3) years Seed Capital with  Enterprise Support & Community Development Trust (ENCOT) on behalf of Humanist Institute for Co-operation with Developing Countries (Hivos)

Project objectives:

Assisting Hivos in the monitoring of ENCOT’s performance, assessing whether the agreed performance targets are met as well as providing feedback to ENCOT on major findings; advising on possible solutions to identified problems and threats in an early stage in order to allow ENCOT to address those (possible) problems in time. 

 

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                    Strategic and business planning assignments

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Project Name:

Development of a Strategic and Business Plan – 2014

Project objectives:

Reviewing the business operations of the firm, strategic goals and development of a competitive market review of the organization

Project activities:

a)    Undertook an institutional assessment

b)    Undertook a limited market study  in two branches

c)    Worked with senior management to facilitate the 5 year business plan

d)    Final business plan with clear goals, strategies and work plan for operation.

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Project Name:

Development of strategic plans for Mushanga SACCO, Matete SACCO,  2015 – 2019

 Project activities:

a)    Reviewed all the organization’s policies

b)    Reviewed each of the SACCOs’ business models including governance; treasury and finance; operations; MIS; human resources; products; markets; infrastructure as well as key partnerships and affiliation

c)    Reviewed the operating environments of each of the SACCOs including political, social, competitive, technological and economic environments highlighting key strengths, weaknesses, opportunities and threats (SWOT)

d)    Facilitated strategic planning workshops for each of the SACCOs, where the boards, Supcos, management and staff of each of the SACCOs met to define their respective SACCO’s vision and mission as well as devise strategies to ensure the SACCOs’ continued growth and survival.

e)   For each of the SACCOs, FCL prepared 5 year financial projections/budgets.

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Project Name:

Development of a Strategic Plan for Kyamuhunga People’s Cooperative Savings and Credit Society

Project objectives:

Providing high quality financial products and services that ‘meet members’ needs.

Project activities:

a)    Review of relevant document/ literature

b)    Reviewed current operations and overall situation

c)    Reviewed KYAPS’ operating environment data/information

d)    Facilitated a 5 day strategy planning workshop

e)    Prepared Strategic Business Plan

f)    Implemented a plan/road map

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                                       Technical Assistance

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Project Name:

Improving the credit Lending Methodology and Credit Risk Management for Ugafode Microfinance Limited (MDI)

Project objectives:

Improving credit Lending Methodology and Credit Risk Management for UGAFODE Microfinance Limited (MDI); including improving the credit process for adequate management of the credit and operational risks.

Project activities:

a)    Reviewed the credit lending methodology

b)    Conducted Training needs assessment

c)    Trained and mentored the credit lending personnel,

d)    Improved the lending methodology and the overall credit risk management process.

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Project Name:

Technical Support for the Set-Up and Management of CBS Powesa SACCO

Project objectives:

Enhancing setup and management of  CBS Nsindikanjake SACCO operations

 Project activities:

a)    Assessed the level of institutionalization of the SACCO in aspects of regulation & supervision, identification of any institutional gaps and exploration of possible opportunities.

b)    Reviewed the existing SACCO procedures and systems in place, to assess whether they were adequate for the SACCO to deliver appropriate services to the members

c)    Reviewed the Board plans to ensure that their aspirations and plans were properly aligned with the national and statutory requirements for setting up SACCOs.

d)    Reviewed training materials to identify any needs for training of staff in new systems, procedures, and also to develop necessary internal controls so as to limit risks in the SACCOs.

e)    Assessed the capacity of the existing staff to appropriately execute their duties and advise the SACCO Board and management on the future recruitment plan and eligibility criteria that ensures equal opportunities and unity within the diversified nature of the association’s members.

f)    Advised on the development of new products in credit and savings products for various segments of the members

g)    Assessed the effectiveness of the risk management policy and framework to establish whether it is comprehensive enough and properly institutionalized.

h)    Reviewed the MIS system that was being used for loan tracking and accounting; suitability and robustness to manage the operations.

i)     Trained the Board on Corporate governance and effective supervision and regulation of the SACCO; including financial management, Portfolio analysis and risk management.

j)     Advised the SACCO Board and management on the suitable framework for partnership building and networks to further the objectives of the SACCOs.

k)    Reviewed the current Business plan and made necessary adjustments to suit and guide the SACCO’s aspirations

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Project Name:

Technical Support for the Setup and Management of the COVOID SACCO

 Project objectives:

Strengthening the capacity of SACCOs/Microfinance institutions (MFIs) formed under COVOID, so that they are professionally and sustainably managed (governance, policies, operations, systems, human resource capacity building).

Project activities:

a)    Reviewed the current reporting mechanisms for the SACCO and building the staff capacity in delivering different types of reports to the Board, Donors and other stakeholders

b)    Assessed the infrastructural challenges facing the SACCO and recommended strategies for addressing the challenges

c)    Identified any new procedures and systems that may be required to enable the SACCOs to deliver services to their members as per the best practices in the industry.

d)    Assisted to put in place those identified systems and procedures.

e)    Assisted in the alignment of the Board’s aspirations and plans with the national and statutory requirements for setting up SACCOs.

f)    Trained staff in the new systems, procedures, and also developed necessary internal controls so as to limit risks in the SACCOs.

g)    Supported training in MIS and in the process of installing the MIS

h)    Drew up member recruitment plan and eligibility criteria that ensure equal opportunities and unity within the diversified nature of the association’s members.

i)     Reviewed the current policies and development of new policies and procedures necessary for business growth

j)     Built frameworks for partnership building and networks to further the objectives of the SACCOs.

k)    Developed a short term Business plan for 2 years to guide the SACCO’s aspirations.

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Project Name:

Technical Support for the Setup and Management of the Microfinance Institution Operations For WAHI Financial Services

 Project objectives:

Strengthening the capacity of the formed MFIs by WAHI Financial Services to enable her to professionally and sustainably manage its operations in a bid to deepen the community managed microfinance (CMMF) program and make it more holistic and sustainable in the long run.

Project activities:

a)    Identified new products and procedures and systems to enable the MFI to deliver services

b)    Assisted in the alignment of the Board’s aspirations and plans with the national and statutory requirements for setting up an MFI.

c)    Trained staff in the new systems, procedures, and also developed necessary internal controls so as to limit risks in the MFI.

d)    Developed a member recruitment plan and eligibility criteria that ensure equal opportunities and unity within the diversified nature of the association’s members.

e)    Reviewed the current policies and developed  new for business growth

f)    Built a framework for partnership building and networks to further the objectives of the MFI.

g)    Developed a short term Business plan for 2 years to  guide the MFI’s aspirations

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Project Name:

Capacity Building of Kolping Entrepreneurs’ Development Programme in the Areas of Business Plannning, Development of Finance Policy and Manual and Loan Processes Procedures Manuals and Human Resources Policy

 Project objectives:

Enhancing strategic planning and development of policies and procedures for human resources management; finance; risk management and credit (loan policy).

 Project activities:

a)    Development of a business plan

b)    Development of the finance policy and manual

c)    Development of loan policy and processes and

d)    Development of manual and the human resources policy

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Project Name:

Capacity Building of Three Tea Savings and Credit Cooperatives (Mulindi, Shagasha and Coopec Tea SACCCO) in Rwanda

Project objectives:

Supporting capacity building initiatives at the three (3) Savings and Credit Cooperatives to improve their professionalism and institutional capacities for improved service delivery. It was envisaged that the improved performance of the three institutions would result in better service delivery to the rural communities in general and the smallholder tea growers in particular, thereby improving their livelihoods and also ensuring the overall institutional sustainability of the SACCOs.

Project activities

a)    Undertook a rapid assessment of the three SACCOs to gain an understanding of gaps that need to be addressed and recommend for appropriate interventions

b)    Reviewed and developed the business plans, policies, procedures, products and other financial services tools

c)    Identified all training gaps of all operational staff based which provide  practical training, coaching and mentorship

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Project Name:

Development of Internal Controls Procedures Manual for the Umurenge SACCOS

 Project objectives:

For strong and robust internal controls to guide board, management and staff of the Umurenge SACCOs in the execution of their daily operations to ensure that the new emerging risks exposure are properly managed.

 Project activities:

a)    Documentation of a strong and robust internal controls including policies, procedures and mechanisms that management that staff MUST comply within daily operations to ensure that new risks are mitigated.

b)    Separation of duties at every stage of activities and clearly indicate who does what and who authorizes each process of operations conducted by the Umurenge SACCO.

c)    Great care to identify and define the various risks as a strategy of putting into context the new internal controls.

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Project Name:

On-Site Internal Audit Consultant

Project objectives:

Building ENCOT’s capacity to implement and monitor internal controls that help prevent, detect, and correct non-compliance with policies and procedures as well as deal with fraudulent activities.

Project activities:

a)    Worked with the newly recruited Internal Auditor, through a hand holding approach to enable him gain the relevant skills and knowledge necessary to effectively perform the internal audit function.

b)    Conducted a risk assessment and developed a risk profile for the organisation.

c)    Developed an internal audit policy and procedures manual.

d)    Developed an audit plan.

e)    Train the new Internal Auditor in conducting on-going and annual requirements.

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Project Name:

Technical Assistance Mission Review of Operations Manual and Risk & Delinquency Management Training for ENCOT

 Project objective:

Reviewing ENCOT’s operations procedure and developing a comprehensive operating manual that encompasses customer service, client targeting, credit analysis and delivery channels while taking into consideration decentralisation with branches.

 Activities

a)    Reviewed the operations process at ENCOT and suggested changes to improve the service delivery experience at ENCOT to both walk-in / individual clients and field based customers.

b)    Developed a comprehensive up-to-date operations manual to guide day to day delivery of ENCOT services in the branches.

c)    Developed an electronic loans application tracking and credit analysis tools essential in supporting credit officers and credit committees to follow-up loan applications and in making faster and accurate loan decisions throughout the credit application cycle.

d)    Trained credit managers and staff in managing credit risk and delinquency, using the updated operations manual and tool.

Project results

a)    Revised operations manual, complete with process maps to inform the day-to-day organisation and delivery of credit and associated services

b)    Developed a robust Excel based tool for tracking customer credit application and performing credit analysis

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              Financial Product development

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Project Name:

Market research and solar loan product concept, prototyping and among staff and clients of Finance Trust Bank

 Project objectives:

Product expansion to include the low income earners and SME entrepreneurs, especially in rural and peri–urban areas, to improve their lighting/power by acquisition of solar power.

Project activities:

a)    Expansion of the solar loan product to finance low and medium income earners and SME entrepreneurs, especially in rural and peri–urban areas, to improve their lighting/power by acquisition of solar power.

b)    Product concept testing of the solar loan product offering and loan portfolio

c)    Development of a full range of solar loan products.

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Project Name:

Developing Enterprise Support and Community Development Trust (Encot) Agrifinance Activities through Developing Group Lending Manuals, Developing Agricultural Products and Training of Trainers 

 Project objectives:

Strengthening agrifinance activities to reach the small holder farmers through developing a training curriculum and training its staff; and assisting the institution with product development adapted to a broad range of agri-sectors.

Project activities:

Objective 1: Build internal capacity of Encot staff, on group lending  by determining the trainings for the credit staff; setting up a training approach

Objective 2: Product development, adapted to a broad range of agrisector by clarify goals and set-up a plan for product development; setting-up working group for product development; defining the product development parameters; undertaking the market research; developing the product proposals and pre-testing the pilot prototype. 

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Project Name:

Consumer Market Research for increasing financial access in Northern Uganda

 Project objectives:

Extending financial services by assessing the needs, preferences and capacities of the potential customers in Oyam and surrounding districts.

 

Project activities:

a)  Assessed the ability to generate deposits and increase loan portfolio growth

b) Identified potential for financial services outreach both in breadth and depth

c)  Assessed the ability for OBUL to generate sufficient profitability and sustain its operations

d) Provided recommendations for the project and lessons.

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Project Engagement:

Market Research and Agricultural Loan Product Refinement/ Development

 Project objectives:                                    

Mini-market research to understand the agricultural loan products of Ugafode’s clients including nature of economic/agricultural activities they are engaged in; their financing needs, their borrowing decisions, their experience with the current agricultural loan product, their preferred features, terms and conditions of the agriculture loan product that influence directly and indirectly their borrowing needs.

 Project activities

a)    Conducted an institutional overview of Ugafode (governance, policies/procedures, systems, external and internal operating environment, strengths, weaknesses, opportunities and threats).

b)    Conducted a mini market research

c)    Developed agricultural finance product concepts/prototypes

d)    Developed of the product loan analysis tool and manuals for newly designed agricultural products,

e)    Developed of an operational procedures manual for field extension,

f)    Developed a monitoring and fieldwork manual to support operation

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                         Digital Finance

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Project Name:

Market research on interoperability in mobile financial services (MFS) in Uganda

 Project objectives

Helping FSDU understand the domestic demand for Interoperability in Uganda. Specifically, the market research was intended to enable FSDU and other stakeholders to;

a)    Ascertain whether there was a need for interoperability among users, non – users and agents of formal financial services.

b)    Identify the transaction sets demanded for among users, non – users and agents of formal financial services which can be favored by introduction of interoperability.

c)    Ascertain whether the lack of interoperability currently is a hindrance for any of these market segments drawing lessons on how its low-down adoption affects usage of the service

d)    Identify some of the existing or potential costs that the various segments (particularly agents) bear because of not having interoperability in mobile financial services

e)    Ascertain clients’ willingness or propensity to pay for interoperability

Project activities;

a)    Developed an Inception report

b)    Development of market survey tools

c)    Recruitment and training of researchers

d)    Scripting developed tools and pretesting for validity and reliability

e)    Data collection using tablets in sampled areas (mobile agents and users); Preparation and submission of preliminary findings;

f)     Development of the data base;

g)    Data cleaning and analysis;

h)    Submission of an Excel worksheet and report writing.

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Project Name:

Market research for the use of the mobile phones as a platform for investing in government securities.

Project objective:

To assess the overall feasibility of a retail government securities market through a mobile phone platform.

Project activities:

a)   Undertook qualitative and quantitative research methods including key informant interviews, focus group discussions and consultative interviews with a total of 600 respondents

b)    Drew lessons from Kenya’s M-Akiba that was launched where by retail investors are able to access government securities through their mobile phones.

c)    Conducted field interviews with stakeholders at the: – Macro level (Government of Uganda (MOFPED), Bank of Uganda, FSDU, Regulators, Uganda Securities Exchange, Capital Markets Authority); Meso-level: (Primary dealer banks, Current corporate investorsMobile network, operators (MTN, Airtel, UTL, Smart and Africell) and other regulated financial institutions) and Micro level: (Current and potential retail investorsCustomers of primary dealer banks, Selected mobile phone users)

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Project Name:

Baseline Study for the Youth Digitalized Financial Services in Kibaale District in Western Uganda

Project objectives:

Measuring the importance of financial services access among the youth in Kibaale district to assess the current status of the project and also assess the impact of the same

Project activities:

a)    Developed implementation protocol, training curriculum and materials for the field teams.

b)    Developed quality assurance protocol that outlines checks and controls to ensure high quality of the data collected.

c)       Undertook field teams to cover the baseline sample efficiently to the FSDU for approval.

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