Department of Social Welfare and Development (DSWD)
Padayon Sustainable Livelihoods Program
Graduation Approach in the Philippines
Terms of Reference for
Business Management and Financial Literacy Training Consultancy
Client: BRAC Ultra-Poor Graduation Initiative
BRAC UPGI Team Lead: Julie Kedroske
Padayon SLP Team Lead: Dristy Shrestha
Padayon SLP Supervisor: Marlowe Popes
Position: Business Management and Financial Literacy Training
Consultant
Location: Philippines (National), with possibility of training in Valencia
and Malaybalay, Bukidnon; Lebak, Sultan Kudarat; and Iloilo
City and Oton, Iloilo.
Dates of Assignment: October to December 2021
Duration of Assignment: Intermittent; 40 working days (over 2.5 months)
Estimated Budget Range: Maximum budget of USD 6,000
About BRAC Ultra-Poor Graduation Initiative (UPGI)
Beginning in 2002, BRAC pioneered the Ultra-Poor Graduation approach in Bangladesh, a
comprehensive, time-bound, and sequenced set of interventions designed to enable the most
vulnerable and destitute households to progress along a pathway out of extreme poverty. BRAC
established the Ultra-Poor Graduation Initiative (UPGI) to deliver technical assistance to agents
of scale on how to adapt and implement the Graduation approach and other holistic economic
inclusion and social protection strategies. For more than a decade, BRAC has served as a leading
provider of global technical assistance and advisory services for the Graduation approach to
governments, multilateral institutions, and NGOs worldwide.
Project Background
The Sustainable Livelihood Program (SLP) is a capability-building program for poor, vulnerable,
and marginalized households and communities to help improve their socio-economic conditions
through accessing and acquiring necessary assets to engage in and maintain thriving livelihoods.
Through Administrative Order 11 series of 2011, SLP was formally introduced as one of the core
programs of the Department of Social Welfare and Development (DSWD) for poverty alleviation.
As SLP gears toward its 10th year of implementation, SLP embarks on a new project to explore
new strategies to enhance the Program’s implementation process and improve delivery of
services to the poor, vulnerable, and marginalized households and communities.
DSWD, in partnership with the Asian Development Bank (ADB) and the Department of Foreign
Affairs and Trade (DFAT) in Australia, is planning to integrate the Graduation approach into the
current SLP process to holistically address the poverty challenges of SLP participants and ensure
the sustainability of its interventions. This will begin through a series of Graduation pilots as part
of the Padayon SLP program in the provinces of Iloilo, Bukidnon, and Sultan Kudarat. The
program will provide a set of holistic interventions as an additional support mechanism for SLP
participants. This will complement the Department’s efforts to strengthen delivery of the Pantawid
Pamilyang Pilipino Program (4Ps). In the post-COVID context, the integration of the Graduation
approach will benefit and strengthen the resilience of the poor and vulnerable households whose
employment and income have been adversely affected by the shutdown of most economic
activities, travel restrictions, and social distancing requirements.
One of the key components of the project is the provision of business management skills and
financial literacy training to all participants delivered by the Padayon Project Development Officers
(PDOs). It involves developing skills and knowledge to help participants manage their own
livelihood projects and its finances. This is fundamental to tackling the root causes of poverty and
can lead to improved livelihoods, increased savings, self-sufficiency, and empowerment.
Objective of the Consultancy
DSWD and ADB, in consultation with BRAC’s Ultra-Poor Graduation Initiative, are seeking a
Consulting Firm to develop a training module (including all necessary facilitator’s guides,
materials, and visual aids) and deliver and training of trainers (ToT) on business management
and financial literacy designed for poor households in target communities in the provinces of Iloilo,
Bukidnon, and Sultan Kudarat. The Consulting firm is expected to develop the training module
leveraging on existing materials of BRAC UPGI and DSWD with additions (as needed) to adapt
the content to the Filipino context. All materials to be developed in this Consultancy should be
tailored specifically for poor households with low levels of financial literacy. The consultancy aims
to:
● Strengthen the competency of target household beneficiaries to manage and sustain their
livelihood projects;
● Improve the financial literacy of target household beneficiaries to manage the finances of
their livelihood projects and their household;
It is anticipated that these objectives will be met through the following:
A. Develop a training module to address any gaps in capacity of Padayon SLP
beneficiaries on basic business management and financial literacy utilizing a Training of
Trainers (ToT) model. The Padayon Project Development Officers (PDOs) are expected
to roll out the training to poor households in target areas. The training plan should include
different modules, strategies, and activities designed specifically for implementation to
poor households. It should also include activities that strengthen the capacity of Padayon
PDOs in the delivery of the training modules. The training plan should also integrate a
gender lens to ensure that gender equity principles are included in the design of the
training plan as most project participants are female and the Padayon PDOs include both
male and female. It should cover the following topics:
● Livelihood planning; key concepts include identifying the target market, identifying
the key resources (including labor requirements), developing a production
process, marketing strategies, and key activities.
● Basic organizational financial management; key concepts include budget, income,
expenses, savings, loans, cash-in and cash-out method, profit, loss, price setting,
and maintaining business records.
● Basic bookkeeping; key concepts include maintaining a general ledger or book of
accounts, debit and credit, daily sales record, and preparing an income statement.
● Micro-insurance and different financial services suitable for poor populations; key
concepts include different available micro-insurance and financial services, and
selecting and accessing suitable services.
B. Develop a facilitator’s guide for each of the sections on basic business management
and financial inclusion. Each section should include relevant information on the topic for
poor households with practical examples and clear instructions in group and individual
training activities to be used in sessions. The guide should be designed for implementation
for a maximum of 2 hours. The questions and content should be in English and translated
to Filipino, Cebuano, and Hiligaynon.
C. Tailor existing BRAC UPGI and DSWD presentation materials and visual aids for the
rollout to poor households in the local language of target areas. These materials and visual
aids will be used in the training sessions by the Padayon PDOs for effective delivery of
the training. All presentation materials and visual aids should be in English and translated
to Filipino, Cebuano, and Hiligaynon.
D. Deliver the training of trainers, either in-person or online, to the Padayon SLP team,
particularly the Padayon PDOs, on the conduct of the training content using appropriate
tools and materials.
E. Assess the capacity and readiness of Padayon PDOs to deliver the training content
after the ToT to ensure that Padayon PDOs can effectively implement the training.
Padayon PDOs who are assessed to be not ready will need to be provided with additional
coaching support throughout the duration of the rollout.
3. Scope of Work
To complete the above objectives, the consulting firm is expected to perform the following:
1. Submit an inception report for feedback and validation from BRAC UPGI. The report
should include a detailed methodology of how to carry out the training.
2. Submit a preliminary outline of the training module to BRAC UPGI for feedback followed
by a discussion over a call with BRAC UPGI to finalize the outline.
3. Submit a draft training module to BRAC UPGI, including the facilitator’s guides,
assessments tools, presentation materials, and visual aids.
4. Deliver the training of trainers (ToT) to Padayon provincial team members either in-person
or online (dependent on COVID-19 related restrictions).
4. Implementation Timeline and Outputs
The total duration for this assignment is 40 working days (over 2.5 months) with effect from late
October to December 2021. This includes all relevant preparation, preliminary presentation, and
approved submission of draft plan and final report. Additional days beyond the allocated days
may be proposed in consultation with DSWD, ADB, and BRAC UPGI.
Payment is contingent upon approved deliverables deemed satisfactory by DSWD, ADB, and
BRAC UPGI. All submissions should incorporate feedback from DSWD, ADB, and BRAC UPGI.
Payment
# Key deliverables Due Date
Percentage
1 Inception Report, including: October 8,
● Outlining proposed methodology, approach, content 2021
planning
● Followed by virtual meeting with Padayon SLP team 10%
BRAC to send comments by October 12, 2021
2 Draft Business Management training module, must include October 22,
the following: 2021
● Facilitator’s guide
● Training materials and audio-visual aids for training to
project participants
● Training materials (e.g. PowerPoint slide deck) and
audio-visual aids for the TOT to Padayon team 25%
BRAC to send comments by October 27, 2021
Final Business Management training module, including November 1,
materials in Filipino, Cebuano, and Hiligaynon 2021
TOT should happen around November 4-5, 2021
3 Draft Financial Literacy training module, must include the November 19,
following: 2021
● Facilitator’s guide
● Training materials and audio-visual aids for training to
project participants
● Training materials (e.g. PowerPoint slide deck) and
audio-visual aids for the TOT to Padayon team 25%
BRAC to send comments by November 24, 2021
Final Financial Literacy training module, including materials November 29,
in Filipino, Cebuano, and Hiligaynon 2021
TOT should happen around December 2-3, 2021
4 High quality post-engagement report submitted after December 10,
conducting TOT, including all final training materials, 2021
facilitator’s guide, and audio-visual aids.
40%
BRAC to send comments by December 14, 2021
5. Qualifications and Experience
a) Qualifications & Education
● All applicants should be adequately staffed with qualified personnel with at least
relevant master’s degrees (Business Management, Business Administration,
Enterprise Development, Economics, etc.) and experience in training needs
analysis, learning and delivery (L&D), and training delivery.
● Applicants may be affiliated with an officially registered not-for-profit organization
(e.g., research institute, academic institution) incorporated and offering similar
services.
b) Experience
● Demonstrated experience in training curriculum development, in the context of poor
households and communities;
● Demonstrated experience in training facilitation;
● Experience working with/in government departments is an advantage, not required;
● Excellent written and spoken English language and communication skills.
● Excellent writing, editing, and communication skills in Filipino, Cebuano, and
Hiligaynon.
● Displays cultural, gender, religion, race, nationality, and age sensitivity and
adaptability
6. How to Apply
Applicants are encouraged to apply by submitting a concise proposal that includes:
1. Proposed methodology and work plan to carry out the assignment
2. A detailed budget outlining all related costs, including field visits if in-person ToT is
permissible
3. CV(s) of individual team members in the firm engaged to complete the assignment
4. References of documented work that demonstrates similar previous assignments. All
applicants should provide documentary evidence (e.g., contract award or reference letter
from previous clients stating scope of services and deliverables) of previous projects for
at least the last three (3) years or more.
Please submit all documentation electronically to [email protected] no later
than Thursday, September 30 by 5:00pm Manila time (GMT+8) with the subject “Application
for Business Management and Financial Literacy Training Consultant, DSWD - Candidate Name.”
Applications are reviewed on a rolling basis.
Only soft copy applications will be considered, and only shortlisted candidates will be contacted.
7. Proposal Structure & Scoring Criteria
a) Technical Proposal: The Technical Proposal should contain the following items meeting
the stipulations indicated:
a. Proposed methodology and work plan to carry out the assignment
● Proposed approach or work plan that elaborates and/or improves upon the
approach and outline provided in the TOR
● Management plan that relates the team members to the tasks to be
performed and describes each team member’s planned contribution to the
analysis in person/days in field and at home and according to task
● Gantt or bar charts detailing the duration of each task and the involvement
of individuals over time.
b. Background and CV(s) of team members to complete the assignment
● Brief background on the proposed consulting team specifying the degree
to which the individuals have collaborated on past assignments
● Qualifications of each consulting team member
● Full CV of each individual in the team who is proposed.
c. References of documented work that demonstrates similar previous assignments.
b) Financial Proposal: The Financial Proposal should contain:
a. Fee breakdown: Daily rates and numbers of days, by task, of each member of the
consulting team
b. Expenses: All meals, hotel, travel, incidentals, communication, production,
facilities and other expenses anticipated for the project
c. Calculation of total cost.
