Terms of Reference:WSS Loan Product Profitability Analysis 1)   Purpose: Water.org aims to engage
a third party consultant to conduct a financial profitability analysis of
Water.org microfinance partner’s water and sanitation loan products. The
consultant will collect data to understand financial sustainability of WSS
(water supply and sanitation) product and conduct a set of interviews with senior
managers to gather qualitative information on utilization of WaterCredit. 2)   Water.org’s Background:About
Water.orgWater.org, a US-based NGO, has been at the forefront
of developing and delivering solutions to the water crisis for more than two
decades. Founded by Gary White and Matt Damon, Water.org challenges the
traditional approach by pioneering innovative, community-driven, and
market-based solutions to ensure all people have access to safe water and
sanitation; giving women hope, children health, and communities a future.
Water.org has positively transformed the lives of more than three million individuals
in Asia, Africa, Latin America, and the Caribbean by providing access to safe
water and improved sanitation.  WaterCredit
InitiativeWaterCredit empowers those living in poverty to gain
access to affordable financing to meet their own water and sanitation needs.
This comprehensive initiative puts microfinance tools to work in the water and
sanitation sector.  In Indonesia,
Water.org works closely with 12 microfinance partners that offer water and
sanitation financing to their clients.    3)   Scope of Work: The consultant will perform the following
services: 1)     
Identify and collect data
needed to assess profitability of MFI’s WSS loan products and MFI’s motivation for
implementing WaterCredit.  This will
involve 1) working with Water.org to review and develop data indicators,
product costing tools, and a semi-structure interview tool that will be used
during the assessment and 2) visiting the MFI offices to conduct in-person
interviews and MFI data. 2)     
On the basis of meetings,
interviews, and data collection as outlined above, Consultant shall analyse the
findings with an eye towards the objectives of these TOR.   3)     
Produce a final assessment
report.  Prior to completing the final
assessment, Water.org will review and provide feedback on draft report. 4)     Deliverables: The consultant will be responsible for the following: § 
The WaterCredit Profitability
assessment report with summary of the WaterCredit program, loan product terms
and delivery methods, profitability findings and recommendations. The report
needs to provide a clear analysis of the complete costs and revenue related to the
WSS loan products. § 
Primary data collected during
the assessment that supports the assessment, including:                                    
i.         
Interviews in summary form;                                   
ii.         
WSS portfolio, costing and
revenue data (excel spreadsheet); assumptions used in the analysis                                  
iii.         
Additional data collected and
used in assessment analysis.  5)     Request for ProposalsWater.org wishes to hire a
Consultant to work with Water.org to conduct profitability analysis as
described in the scope of work above. The proposal should include a technical
and financial proposal (see sample budget template below) as well as a project
timeline, with the first stage of the work to
be completed by December 1^st,
2017.  Please refer to Timeframe section for
additional information. Applicants may be firms or groups of
individuals with a designated team lead.  Applicants must exhibit the following
qualifications:1.     
Proposed staffing plan includes at
least one native or fluent English speaker.2.     
Demonstrated experience and familiarity
with WSS and/or microfinance sector.3.     
Demonstrated experience with conducting
profitability analysis. 6)     BudgetA proposed budget shall be included
with the Consultant’s submission, and the final budget approval shall be fixed
and not subject to negotiation.  A sample
budget template is provided below.  The
Consultant shall provide budget information either in this format, or in a
manner that includes similar details. 
All taxes should be included in the budget.  The Consultant shall be responsible for
payment of all taxes. All amounts shall be presented in IDR.  Budget notes are encouraged.  Please note the microfinance partner is
located in Jakarta province.  

 7)    
TimeframeWe anticipate that this assignment will
take approximately four- five weeks to complete. 8)    
Submission of Proposals
Complete proposals should be emailed to Indonesia.waterorg@yahoo.comwith “WSS Loan Product
Profitability Analysis” in the subject line.
Deadline for submitting proposals is September
30^th, 2017. Proposals will be reviewed on a rolling basis.