Job Overview

  • Date Posted
    July 4, 2024
  • Location
  • Expiration date
    July 17, 2024
  • Experience
    5 Years
  • Qualification
    Bachelor Degree
  • Organization
  • Required Languages

Job Description




Final Evaluation of the Women and Girls FIRST (Financial Inclusion &  Resilience Strengthening) project  


Project Managed By:  Catholic Agency for Overseas Development (CAFOD)


Kambia District Development and Rehabilitation Organisation (KADDRO)  and Caritas Kenema 
Locations:  200 communities in Masungbala, Magbema, Tonko Limba and Samu  Chiefdoms, Kambia District, Bureh and Lokomasama Chiefdoms, Port Loko  District, and Kandu Leppiama and Simbaru Chiefdoms, Kenema District,  Sierra Leone
Project Goal:  To strengthen resilience and improve financial inclusion among rural  communities in Sierra Leone.
Direct Beneficiaries:  17,250 rural community members
Project Duration:  36 Months
Evaluation Period:  July – September 2024



Sierra Leone ranks 182/189 in the Human Development Index with a value of 0.45, which is below the  average for other countries in Sub-Saharan Africa. Poverty levels are high, with 53% of the population  living on less than 1.25 USD per day1. In Sierra Leone, 65% of the population live in rural areas2. There  is a major disparity between the rural and urban poverty incidence at 73.9%% and 34.8% respectively3.  This disparity also characterises access to basic services, including financial ones. More than 80.2% of  the population do not have access to a bank or mobile money account4. Over 90% of its female  population of 3.6 million women do not have a bank account5. Financial exclusion is particularly  pronounced in rural areas, with over 92% of Sierra Leone’s rural population without access to an  account with a financial institution6 with rural women making up the majority of those affected7

The Catholic Agency for Overseas Development (CAFOD) is the official development and humanitarian  agency of the Bishops’ Conference of England and Wales, and a member of the global Caritas family.  CAFOD has had a presence in Sierra Leone since the 1970s.  


In September 2021, in partnership with Caritas Kenema and Kambia District Development and  Rehabilitation Organisation (KADDRO), as well as Mosabi, Guarantee Trust Bank (GTBank) and Orange  

1 WFP Sierra Leone Country Brief, July 2020.  

2 Sierra Leone at a glance, FAO, 2021 

3 Sierra Leone Integrated Household Survey, Stats SL 2018 

4 Sierra Leone Economic Update – Financial Inclusion for economic growth and development, World Bank, 2019 

5 Global Findex 2017 


7 National Strategy for Financial inclusion, 2017 – 2020

Mobile Finance, and with support from Jersey Overseas Aid (JOA), CAFOD began implementing a 36- month initiative aimed at strengthening resilience and financial inclusion in rural areas of Sierra Leone.  Women and Girls FIRST focuses on access and adoption of inclusive financial products and services,  improved financial literacy within rural communities and financial empowerment of women and girls.  

Overall Objective: To strengthen resilience and improve financial inclusion among rural communities in  Sierra Leone.  

Outcome 1: Rural communities, especially women, able to access and adopt inclusive and needs-driven  financial products and services 

Output 1.1: Increased availability of informal and formal financial services and products Output 1.2: Improved capacity of Financial Champions and VSLAs 

Output 1.3: Increased awareness of financial services and products and consumer rights and protection 

Outcome 2: Improved knowledge and understanding of financial skills and money management among  rural communities, especially women 

Output 2.1: Improved literacy and skills in writing, reading, numeracy and money management among  rural communities 

Outcome 3: Financial empowerment of rural women and girls 

Output 3.1: Adolescent girls develop strengthened leadership and life-skills 

Output 3.2: Strengthened awareness on gender equality and capacity to demand women’s rights Output 3.3: Women entrepreneurs with enhanced business and financial skills 

  1. OBJECTIVES AND KEY QUESTIONS FOR THE EXTERNAL EVALUATION  This external evaluation has 2 main objectives. 

Objective 1: Final Evaluation of the Women and Girls FIRST Project  

The first objective is to facilitate the final evaluation of the Women and Girls FIRST project to: – Assess the achievement of the project’s goal, outcomes, and outputs. 

– Capture learning around all aspects of project design and implementation, including factors  impacting project delivery and coordination among stakeholders. 

Objective 2: Learning and Recommendations for Future Initiatives  

The second objective is to: 

– Capture learning from project successes and challenges, in particular for specific “innovative” project activities. 

– Make recommendations for the future implementation of similar initiatives or scale up. 

Some potential evaluation questions to consider are below; the evaluator can propose changes or  amendments to these in their proposal, and these will be finalised between CAFOD and the evaluator  as part of the inception process. 


  • To what extent did the project achieve its planned outputs and outcomes? • How strong is the likely contribution of the project’s interventions to these outcomes? • What were the major factors (internal or external) influencing the achievement or non achievement of the outcomes/outputs?

  • What other positive and/or negative unplanned impacts (on social relations, environment etc) can  be attributed to the project? 


  • Has the project been implemented in an efficient way (time, personnel resources)? 


  • To what extent will the benefits of the project continue after the withdrawal of the project? • To what extent has advocacy been integrated into the project design and implementation, and  what are the priorities for future advocacy work?  


  • To what extent did the partnerships with other actors in this project contribute to coordinated and  effective interventions? 

Best Practice and Learning: 

  • What are the positive impacts, good practices, challenges and potential risks related to supporting  these specific activities?  
  • Assess and recommend adjustments to the project’s theory of change (ToC) based on project  implementation and lessons learned. 
  • What learning and recommendations are there for potential replication? 
  • What are the most effective methods and channels for awareness raising on financial inclusion,  consumer protection and financial management in rural communities in Sierra Leone?
  •  What conditions and activities have lead to improved Financial Inclusion policy and practice in  Sierra Leone? 
  • Specific activities to consider in more detail: 

 Establishment of Adolescent Girls VSLAs and female role models 

 Support to female entrepreneurs with business skills and grants. 

 Facilitation of engagement between communities and Financial Service Providers.

 Support to VSLAs to become Mobile Money or Banking Agents. 

 Digital tools for learning and transmission of business skills 


Through an initial desk research, the consultant is expected to review all relevant sources of  information, such as the project documents, logical framework, risk register, implementation plan,  monthly reports, progress reports, mid-term evaluation report, monitoring reports of local  partners/CAFOD/consultant teams, tools created or adapted and any other materials that the  consultant considers useful for this evidence-based evaluation.  

The Final Evaluation is expected to incorporate qualitative and quantitative data collection methods,  including Key Informant Interviews (KII), Focus Group Discussions (FGDs), structured quantitative  survey (questionnaires) and observations.  

Consultation should take place with representative samples of targeted community members, key  stakeholders, and local leaders, as well as key partners and project staff. The consultant must  demonstrate that their sample aligns with the comparison group generated during the baseline  assessment. Supporting evidence may be necessary, including statistical balance tables and output  tables highlighting differences between the baseline and endline groups. Major findings will be  disseminated and discussed with project partners before the report is finalized. 

The consultant will have access to all relevant documentation for the evaluation. They will also be  encouraged to include secondary sources for further analysis. They should conduct a literature review to explore what others have learnt and/or reported around the issues of financial inclusion in Sierra  Leone, to inform the evaluation data collection tools and methodologies. A short inception report  should be developed which sets out the scope of the evaluation, developed tools, materials for training  enumerators and data analysis methodology. 

After the draft evaluation report, the consultant should hold a workshop to present findings and  recommendations, and receive inputs from CAFOD and partners, in order to finalise the report.  

  • A Minimum of bachelor’s degree or Post Graduate qualification in Social Sciences, Statistics,  Monitoring & Evaluation or another relevant academic discipline. 
  • Relevant experience of at least 5 years in similar or related work.  
  • Demonstrable previous experience in leading an assessment or evaluation, including tool  development, data collection, analysis and reporting for a development project. 
  •  Demonstrate high level of professionalism. 
  • Excellent English language skills. 
  • Ability to effectively interact with different stakeholders of multiple socio-economic backgrounds.
  •  Ability to multi-task and work independently, under high-pressure situations.
  •  Excellent interpersonal skills.  
  • Strong critical analysis skills and attention to detail. 
  • Ability and willingness to travel to rural communities in Sierra Leone. 
  • Ability to adhere to strict deadlines. 
  • Desirable: Experience in the financial sector. 
  • Desirable: Experience using participatory evaluation approaches including Outcome Harvesting 6. DELIVERABLES  

The Consultant will provide the following key deliverables throughout the life of the assignment,  according to deadlines agreed with CAFOD on contracting:  

  • Inception Report: No more than five pages (Not including tools) should be presented to CAFOD  within five working days of receiving all the necessary project documentation. This will include a  statement of work clearly outlining the evaluation methodology, sampling and work plan, and  drafts tools should be attached. The inception report and tools will be further refined after input  from the project team.  
  • First Draft Evaluation Report and Dissemination Meeting: The consultant will make a presentation  to the project team (both CAFOD and partners) on the key findings of the evaluation and  recommendations. The report should include a table of contents, a brief introduction, the  objectives and the methodology, and evaluation of the project based on the criteria mentioned  above, observations, lessons learned and conclusions as well as a list of recommendations and  appendix. The first draft report should be submitted within five days of the meeting. CAFOD and  partners reserve the right to request reasonable revisions to the final report. 
  • All collected data sets (both raw and aggregated) and supporting documentation, interview  recordings/transcripts and the finalised methodology and tools used to collect and analyse the data should be submitted to CAFOD, in the appropriate format. All documents, manuals, hardware and 

software provided for the Consultant’s use by CAFOD, and any data or documents produced remain  the property of CAFOD. 

  • Final Evaluation Report: The final report should be submitted within five working days of CAFOD  and partners submitting feedback on the first draft report, with all comments from the project staff  addressed.  



The overall timeframe of this consultancy is expected to be 60 days from the date of signing of the  contract. All data collection activities must be completed before 31 August 2024, and all deliverables  must be finalised and submitted no later than 30th September 2024.  

  1. BUDGET  

Please submit a budget for the assignment, outlining your expected professional fees and expenses.  15% Withholding tax shall be deducted from the total Professional fees. 


The consultant including any member of their research team must abide to CAFOD’s Code of Behaviour and other relevant policies throughout their engagement with CAFOD. The Consultant will be required  to sign the Code of Behaviour, Safeguarding and Integrity policies at the signing of the contract before  commencement of the work. 


For all processing and archiving of personal data, CAFOD complies with the Data Protection Act 2018  (DPA), UK General Data Protection Regulation (GDPR) and Privacy and Electronic Communications  Regulation. CAFOD pays full attention to data privacy and anonymity if requested and/or needed to  safeguard respondents. CAFOD’s Information Assurance and Data Protection Policy was developed to  ensure responsible use of data and safety of stakeholders, including staff, partners, and communities. All data collected for the Evaluation must be used only for the purposed explained in this ToR. The  consultant will ensure that all individuals providing personal data for the Evaluation give their consent  and are clear on the purpose and use of the data being collected. They have the right to rectification,  restriction of processing and deletion of their personal data. The consultant will agree to destroy all  collected data after this has been handed over to CAFOD and will ensure no copies are retained. 


Interested applicants should send their application to Cecilia MS Samura by the  deadline of Thursday 18th July, with ‘Women and Girls FIRST Final Evaluation’ in the subject line.  

The application should include:  

  • Technical proposal (Maximum 3 pages) outlining the understanding of the TOR, Proposed  Methodology and Work plan.  
  • Financial proposal (Maximum 1 Page) with a budget for all anticipated costs and estimated person  days to accomplish each task. 
  • CVs of all members of the consulting team.  
  • Two professional references (name, relationship, email and contact number) that can be easily  contacted by CAFOD. 

Evidence of similar work done in the past may be requested from short-listed candidates. Online interviews with shortlisted candidates will be held the week of 22 July 2024.