Germania – Servicii de consultanţă în afaceri şi în gestionare – 10009293-Development of inclusive financial services and products

Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH EN-C1: Economic and financial standing (Mit dem Angebot; Mittels Eigenerklärung): Average annual turnover for the last three years (last-but-four financial year can be included in case of tenders held within 6 months of end of last financial year), at least: 1000000 EUR (net). GIZ may optionally commission contract amendments and/or increases based on the criteria in the tender documents to the successful bidder of this tender. For details, please see the terms of reference. EN-C2: Economic and financial standing (Mit dem Angebot; Mittels Eigenerklärung): Average number of employees and managers in the last three calendar years, at least 10 persons. #Besonders auch geeignet für:other-sme# The assignment is structured around three work packages. The first covers the selection and appraisal of partner FSPs. The contractor will conduct an institutional diagnostic for each FSP, reviewing their current product offering, business model, lending processes, digital infrastructure, client outreach capacity, and staff skills. Based on that analysis, a cooperation agreement will be signed with each FSP, along with a detailed work plan laying out what the collaboration will achieve and by when. This phase should be completed within the first three months. The second work package is where the core technical work happens. The contractor will support FSPs in designing or adapting financial products that genuinely respond to the needs of target groups, particularly women-led businesses, rural borrowers, and MSME clients who currently lack access to suitable financing. The process follows a structured product development methodology: from prototype design, through pilot testing, to assessment and refinement, and finally roll-out. Alongside the product work, the contractor will help FSPs develop marketing materials and outreach strategies, adjust internal procedures and manuals, and train front-line staff such as loan officers and branch managers. At least three financial product prototypes must be developed by the fifth to seventh month, piloted by month eight, and formally adopted with updated manuals by month ten. The third work package covers cross-cutting contributions: occasional training inputs for financial sector stakeholders such as the Central Bank of Iraq and sector associations; support for GIZ's monitoring and evaluation activities; and at least three public communication outputs, case studies, blog posts, fact sheets, or similar, documenting the work done with each FSP. The deadline for submission of bids has been extended and the ToR has been slightly updated. #Bekanntmachungs-ID: CXTRYY6DYRR1XNS3# All communication takes place in English via communication tool in the project area of the procurement portal. EN-A1: Principles for the execution of orders (Mit dem Angebot; Mittels Eigenerklärung): The eligibility criteria are not from the same category as stipulated above, as there is no suitable category. 1. Self-declaration: name of company and address, tax ID, registration and commercial register number or equivalent register in accordance with the legal provisions of the country of origin. 2. No grounds for exclusion pursuant to § 123, § 124 GWB, § 22 LkSG, EU-Russia sanctions. 3. Declaration of bidding consortium and/or declaration of subcontractors (if applicable) EN-B1: Technical and professional ability (Mit dem Angebot; Mittels Eigenerklärung): 1. The technical assessment is only based on reference projects with a minimum commission value of 200000 EUR (net). 2. At least 3 reference projects in the technical field development or adaptation of digital financial services and/or FinTech offered by financial service providers AND at least 1 reference project in the technical field development or adaptation of MSME or green financial services offered by financial service providers of which at least 4 reference projects in in the middle east and north Africa in the last 36 months (deadline: date of publication of invitation to tender). See the tender documents. According to Article 160, Section 3 of the German Act Against Restraint of Competition (GWB), application for review is not permissible insofar as 1. the applicant has identified the claimed infringement of the procurement rules before submitting the application for review and has not submitted a complaint to the contracting authority within a period of 10 calendar days; the expiry of the period pursuant to Article 134, Section 2 remains unaffected, 2. complaints of infringements of procurement rules that are evident in the tender notice are not submitted to the contracting authority at the latest by the expiry of the deadline for the application or by the deadline for the submission of bids, specified in the tender notice. 3. complaints of infringements of procurement rules that first become evident in the tender documents are not submitted to the contracting authority at the latest by the expiry of the deadline for application or by the deadline for the submission of bids, 4. more than 15 calendar days have expired since receipt of notification from the contracting authority that it is unwilling to redress the complaint. Sentence 1 does not apply in the case of an application to determine the invalidity of the contract in accordance with Article 135, Section 1 (2). Article 134, Section 1, Sentence 2 remains unaffected. Iraq faces a persistent gap between its people and the financial system. Banks have long leaned on large state-owned institutions, credit has flowed mainly to established borrowers, and micro and small businesses along with women entrepreneurs and displaced communities have been largely left out. ProDIGI project, full name Promoting Employment in the Digital and Green Economy in Iraq, is trying to change that in a practical, grounded way. ProDIGI is a multi-donor initiative commissioned by the German Federal Ministry for Economic Cooperation and Development (BMZ), co-financed by the European Union, and implemented by the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH. The project covers central and southern Iraq as well as the Kurdistan Region, with a focus on areas where joblessness, displacement, and limited access to services overlap. Within the project, Output 3 targets the financial inclusion side of the challenge. The starting point is a clear-eyed look at what the sector lacks: financial service providers that are capable, willing, and equipped to design products that fit the people they are supposed to serve. Banks and microfinance institutions in Iraq today mostly offer standardised products with high collateral requirements and limited digital capabilities. Reaching women led small businesses, rural communities, or young entrepreneurs running green or tech ventures requires a different kind of product, and often a different kind of institution. To bridge that gap, the project works directly with Iraqi financial service providers: banks, microfinance institutions, digital payment companies, fintechs, and government lending programmes. The approach combines needs assessments, hands-on advisory services, staff training, product design support, and pilot testing. The goal is not to deliver a finished product from outside, but to build the knowledge and process capacity within each institution so that change remains after the project ends. By the close of the assignment, at least three new or significantly adapted financial products must be in place, and these products must be actively reaching real users at a minimum of 950 individuals and 50 companies. The work also emphasises gender equality: women-led businesses are a priority target group, and all capacity-building activities must include a meaningful share of women participants. The broader context matters too. Iraq's Central Bank launched the national financial inclusion strategy that encourages digital payments, SME lending, and consumer protection improvements. ProDIGI project aligns directly with those priorities, making it both a practical intervention at the level of individual institutions and a contribution to the country's wider financial sector development. The selected firm will work directly with three to five financial service providers (FSPs) operating in Iraq. These may include commercial banks, microfinance institutions, digital payment providers, fintechs, and government lending schemes. GIZ will have pre-selected up to two FSPs before the contract starts, so work can begin without delay. The remaining FSPs will be selected by the contractor and GIZ jointly, based on agreed criteria. Vergabekammern des Bundes 10009293-Development of inclusive financial services and products The execution conditions result from the information given in the contract notice and the tender documents. Datenservice Öffentlicher Einkauf (in Verantwortung des Beschaffungsamts des BMI) GIZ asks the applicant or bidder to submit, complete or correct documents, within the framework laid down by law. 01 circ-econ 65760 2026-10-13+02:00 [telefon eliminat] exg-mis-sanction none exg-mis-prep-confl 199/2026 required [telefon eliminat] exg-mis-distortion exg-sitn-other 0000 gen-pub exg-sitn-as-susp 16 Kaiser-Friedrich-Straße 16 32014L0024 2 exg-mis-bre-soc-law fabcb158-fc96-4cd2-ae7f-ac3564a107e5 79951000 late-some slc-stand-to-avg exg-crim-fraud non-restricted-document 10009293 other IRQ eforms-sdk-1.13 exg-sitn-insolvency et-eq clim-mitig 79411100 DE71A clim-adapt eu-funds [telefon eliminat]+02:00 https://www.giz.de exg-mis-partic-confl PROCEDURE 2027-01-26+01:00 not-requ SomeTenderDocID1 work-cond [email eliminat] services exg-mis-bre-lab-law 07:37:27+02:00 ••• ••• 00 [email eliminat] ted-esen open pub-undert-cga 993-80072-52 https://ausschreibungen.giz.de/Satellite/notice/CXTRYY6DYRR1XNS3 2026-10-30+01:00 Eschborn exg-crim-part 2028-12-31+01:00 ORG-0003 cn-standard https://ausschreibungen.giz.de/Satellite/notice/CXTRYY6DYRR1XNS3/documents ORG-[telefon eliminat]a3-1e36-4646-ab5a-e5ee1d5e9320-01 ORG-0002 exg-natl-bre-nat-law exg-crim-traffick exg-crim-terror epo-notice opp exg-pmt-bre-tax 0204:994-DOEVD-83 53113 true GIZ Office Baghdad Arsat, Al-Karrada Alsharquia Albashjaa, Section 925, Street 32 Baghdad IRAK slc-abil-ref-services Dag-Hammarskjöld-Weg 1 - 5 53119 Baghdad ENG no not-allowed gen-eq exg-mis-misrepresent biodiv-eco LOT-0001 exg-sitn-liq-admin [email eliminat] update-add exg-mis-misconduct exg-mis-bre-env-law 12:00:00+01:00 ••• ••• 90 vgv [telefon eliminat] false exg-pmt-bre-ssc 182 2026-10-14+02:00 soc-obj exg-crim-laund hum-right Bonn slc-stand-other performance 23:59:59+02:00 env-imp d4316a16-6d9f-4a3e-8807-36d7c2c7f791 DEU [telefon eliminat] exg-crim-corrpt DEA22