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ACP Business Climate Facility
10 ACP RPR 015
DRAFT
REQUEST FOR ASSISTANCE
STANDARD FORM
Private ECOWAS Financial Improvement Board
Name of applicant: (PEFIB)
Country/Region: West African Region
Dossier No
(for official use only)
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Table of Contents
THE INTERVENTION ............................................................................................. 4
The intervention in a nutshell ................................................................................... 4
Description of the intervention .................................................................................. 4
1.1. Problems to be addressed ........................................................................... 4
1.2. Objectives of the action .............................................................................. 4
1.3. Expected outputs .................................................................................... 4
1.3.1. Concrete outputs ................................................................................ 4
1.3.2. Mention multiplier effects......................................................................... 5
1.4. Description of the target groups & final beneficiaries ................................................. 5
1.5. Main activities foreseen ............................................................................. 5
1.5.1. Methods of implementation ...................................................................... 5
1.5.2. Title, and as much as possible, detailed description of each activity to be undertaken to produce the
results: (Please provide detailed information on the assistance you have requested) ...................... 5
1.5.3. Team envisage for the implementation of the action. ............................................. 6
1.6. Role of the applicant and its partners ................................................................ 7
1.7. Assumptions and Risks .............................................................................. 7
1.8. Relevance of the action ............................................................................. 7
1.9. Context of the Action ................................................................................ 7
1.10. Sustainability of the Action........................................................................... 7
1.11. Other................................................................................................ 8
I. DETAILS OF THE APPLICANT ....................................................................... 9
1. Identity ................................................................................................ 9
DETAILS OF YOUR ORGANIZATION ............................................................................. 9
ADMINISTRATIVE INFORMATION.............................................................................. 10
2. Other applications made to European institutions, the European Development Fund (EDF), EU Member
States or other donors. .............................................................................. 10
Grants, contracts and loans obtained over the last three years from European Institutions, the EDF, EU Member
States and other donors. ............................................................................ 10
Grant applications submitted (or about to be submitted) to European Institutions, the EDF and EU Member States
in the current year. The applicant may list only actions in the same field as this proposal ............. 10
II. DETAILS OF THE APPLICANT ..................................................................... 11
3. Identity .............................................................................................. 11
DETAILS OF YOUR ORGANIZATION ........................................................................... 11
ADMINISTRATIVE INFORMATION.............................................................................. 11
4. Other applications made to European institutions, the European Development Fund (EDF), EU Member
States or other donors. .............................................................................. 12
Grants, contracts and loans obtained over the last three years from European Institutions, the EDF, EU Member
States and other donors. ............................................................................ 12
Grant applications submitted (or about to be submitted) to European Institutions, the EDF and EU Member States
in the current year. The applicant may list only actions in the same field as this proposal ............. 12
APPLICANT DECLARATION AND SIGNATURE ................................................................ 13
5. Declaration by the Applicant ......................................................................... 13
Signature ..................................................................................................... 13
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 2
NOTICE
Thank you for calling upon BizClim assistance to help you implement in practice your proposed intervention. The present request
form will help BizClim Programme Management Unit (PMU) understand the intervention and assess your request for assistance.
Consequently, you are kindly requested to complete this form as fully as possible.
On the basis of this application form, and provided the intervention is eligible, the PMU will discuss with you the drafting of the
Terms of References of the intervention. In this process, you may be asked for additional data and/or correct or complete the one
already submitted.
NB:
Some of the footnotes are purely explanatory and are not to be reproduced into the application forms.
Once this request form is completed, you are kindly requested to send it to BizClim PMU accompanied by:
The Applicant Declaration duly signed
The Partnership Statement of each of your partners again duly signed.
In a nutshell, the procedure for the filing and acceptance of requests is the following:
Request for assistance: All beneficiaries of the technical assistance under BizClim Facility can in principle file a request for
assistance using this standard form. Eligible requests must be relevant to the objectives and priorities of BizClim facility and
contribute to clearly identify private sector development-related needs of the target group(s) and final beneficiaries.
BizClim PMU acknowledges the receipt of all requests.
Preparation of the corresponding AIP and Terms of Reference: Upon receipt of your application, provided it falls under
BizClim mandate, an expert will be assigned to assist you in finalising the design of the intervention, clarifying aspects, fine
tuning the design of the intervention, advising on possible improvements and complementarity actions and defining the
precise terms of reference of the intervention. To this respect, he/she may come back to you or visit you. This phase leads
to the preparation of an Activity Implementation Proposal.
Circulating the proposed intervention: The draft request for assistance and related terms of reference will then be
circulated among relevant organisations (relevant EC Delegations, other donors or donor-funded programmes, other
stakeholders involved) to collect their feed-back and suggestions. This process turns to be generally enriching as it ensures
the complementarity of actions and increase the chances of success of the intervention. In light of the comments received,
the AIP and terms of reference may be adapted.
Approval of the intervention: The finalised requests for assistance – and their related Activity Implementation Proposals
and Terms of Reference - are presented by the PMU to a Validation Committee composed of members of the ACP
Secretariat and of the European Commission. In this evaluation process, objective and transparent criteria are used (see
Website).
Implementation: If the intervention is approved, the PMU will undertake all contractual arrangements for the provision of
services in close contact with beneficiaries. The implementation of the intervention must be in full compliance with EU
procurement rules (10th EDF).
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 3
REQUEST FOR ASSISTANCE
THE INTERVENTION
The intervention in a nutshell
Title Improving Access to SME Financing by Banks in the ECOWAS Region
Location ECOWAS Region.
Duration 4 Months Expected start-up date: Jan, 2012
Description of the intervention
Problems to be addressed
Small and Medium Enterprises (SMEs) play a very significant role in the economy in terms of balanced and sustainable growth,
employment generation, development of entrepreneurial skills and contribution to export earnings and government tax revenue.
Despite their importance to the economy, most SMEs are not able to stand up to the challenges of globalisation, mainly because
of difficulties in the area of financing. It has therefore become necessary to consider measures for smoothening the flow of credit
to this sector.
Without adequate bank finance, SMEs cannot acquire or absorb new technologies nor can they expand to compete in global
markets or even strike business linkages with larger firms. Similarly, banks cannot consider the financing of SMEs as a viable
option unless their priorities are addressed by SMEs. In this regard, SMEs should be assisted largely by public initiatives
involving participation of the banking industry.
Generally speaking existing regulatory and funding frameworks in many ECOWAS countries do little to provide an enabling
operating environment that promotes the ability of financial institutions to support the funding and growth of SMEs. A key to
encouraging the financing and development of SMEs is to implement a clearly articulated enabling policy and regulatory
framework. This framework should create the conditions under which SMEs can access adequate finance from Banks to enable
them operate effectively and efficiently so as to provide potential investors and partners with the confidence to invest.
The project will address the insufficiently covered needs of SMEs and MSMEs and contribute to the strengthening of the local
financial institutions and their offer of long-term lending and equity finance. It will also help impact on growth and competitiveness
of SMEs at both the country and regional level.
Objectives of the action
Overall objective: to promote reforms in macroeconomic policy, improve legislation, the institutional setup and financial
measures (the rules of the game) relating to the enabling environment of the private sector in ACP countries.
Specific objective:
The purposes of this contract are as follows: Key stakeholders empowered (in terms of knowledge, capacities and analysis) in
undertaking business environment reforms and creating more favourable business and investment conditions in West Africa,
assisting these countries in policy and institutional reforms for creating an enabling business environment. More specifically, the
project will seek to improve access to credit for SMEs in West Africa.
Expected outputs
Concrete outputs
Please be specific and quantify outputs as much as possible
Output Indicator Source of Verification
Prepare a Model SME Framework for Bank Regulators To review the policy framework
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 4
and Government (enabling environment) for the financial
and the SME sector.
Map out available financing instruments local, regional Report on available financing Study report
and international for exploring ways of improving access instruments local, regional and
to finance for projects with an economic and social international for SME development
impact.
Develop an SME Banking Manual developed for use by To review the technical obstacles to
Banks in the ECOWAS Region. SME banking within banks and to
explore options on training for
providing technical assistance to the
banks.
A Regional Policy-Dialogue Workshop on SME Banking Private sector position on SME Workshop Agenda and List
where the Banking Manual will be presented. banking and a dialogue with relevant of Participants.
authorities on policy adjustments
Draft Final Report
Mention multiplier effects
Describe the possibilities for replication and extension of the action outcomes
Description of the target groups & final beneficiaries
Estimated number
Target group(s) Investment Agencies, Chamber of Commerce Assocs, Microfinance
Institutions, Investment Funds, Financial Institutions.
Final beneficiaries SMEs in the targeted sector, Financial and Microfinance Institutions in
the ECOWAS Region.
Main activities foreseen
Methods of implementation
Title, and as much as possible, detailed description of each activity to be undertaken to produce the results: (Please
provide detailed information on the assistance you have requested)
(a) Overall organization of activities: Recruitment of Consultant Experts to develop the Model Framework for
Bank Regulators and Government, design SME Banking Manual and design Pilot Project for two Banks.
(b) Activities: Develop TOR for Consultant Experts, develop framework for Policy and design SME Handbook
Manual, make logistics preparations for Policy-Dialogue Workshop, host Workshop and prepare for the
implementation of Pilot Projects.
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 5
Month Description Justification Roles
Activity –
Title
Prepare an Inception Report Describe methodology for carrying out the
assignment, operational arrangements and
roadmap
Prepare a Model SME To review the policy framework (enabling
Framework for Bank environment) for the financial and the SME
Regulators and Government sector.
Prepare a Mid-term Progress
Report
Map out available financing Exploring ways of improving access to finance
instruments local, regional for projects with an economic and social
and international for SMEs impact.
Develop an SME Banking To review the technical obstacles to SME
Manual developed for use by banking within banks and to explore options
Banks in the ECOWAS on training for providing technical assistance
Region. to the banks.
Prepare Event (Workshop) Prepare for Policy- Workshop
preparation (Logistics &
content)
Hold a Regional Policy- Private sector position on SME banking and a
Dialogue Workshop on SME dialogue with relevant authorities on policy
Banking where the Banking adjustments
Manual will be presented.
Final reports Present final reports, including financial and
technical parts.
Team envisage for the implementation of the action.
Expert Output Qualification Duration of the Portion of the
required of the expert’s mission mission to be
expert (days / month) performed on site
Key –Expert 1 (Team To guide the process Advanced Degree in 60%
Leader) with strong Economics/Masters/
experience in SME Finance/ Business
and micro financing Administration.
Key Expert 2 Expert with Advanced Degree in 60%
Experience in Policy Law/Economics
& Regulatory
Frameworks for SME
Financing
Non Key-Expert 1 Financial Expert with Advanced Degree in 100%
experience in SME Economics/Finance/
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 6
financing in MBA or relevant
Anglophone region. subject
Non Key-Expert 2 Financial Expert with Advanced Degree in 100%
experience in SME Economics/Finance/
financing in MBA or relevant
Francophone region. subject
Role of the applicant and its partners
Applicant Private ECOWAS Financial Improvement Board (PEFIB)
Role of the applicant To facilitate the Work of the key Experts
Partner(s) & respective Will facilitate the work of key experts in the Partner countries
roles
Assumptions and Risks
It is assumed that member ECOWAS Governments will continue their regional economic integration and ongoing financial sector
support to the private sector.
Relevance of the action
Does the intervention fall under BizClim Yes
mandate?
To what extent is the intervention likely to lead to Based on the recommendations from the study, the intervention will lead to
follow-up activities? the implementation of 2 pilot projects in 2 Banks with Credit from the EIB
INFAC Facility.
Is the intervention Consistent, Coherent and The intervention is consistent with the implementation of the West Africa
Complementary with other interventions? Monetary Union objectives.
Is there a strong support to the intervention from West African Monetary Institute
key stakeholders?
Context of the Action
Context of the Action Intervention Background
Describe what previous actions, contacts, projects led Discussions from previous PEFIB held meetings and ACP/EIB High-Level
to the Action concept Discussions on the INFAC Facility.
Where the action is the continuation of a previous
action, explain how the action is intended to build on
the results of this previous action
Where the action is part of a larger programme,
explain how it fits or is coordinated with this
programme.
Sustainability of the Action
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 7
Financial level: Recommendations and plans of actions are expected to be developed for the
financing of 8 SMEs through the Pilot Projects to be established in the 2
How will activities be financed when the assistance
Banks.
ends?
Institutional level: Financial Sector Organisations in the region will be strengthened for the
implementation of follow-up activities.
Will structures allowing the activities to continue be in
place at the end of the action?
Policy level: ECOWAS Leaders have committed themselves to the implementation of the
ECOWAS Trade Liberalisation Scheme (ETLS), to support investments, tse
What structural impact will the action have - e.g. will it
trade and investment, including providing support for SMEs.
lead to improved legislation, codes of conduct,
methods, etc?
Other
Please indicate any other comment that you may have.
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 8
THE APPLICANT
I. DETAILS OF THE APPLICANT
1. Identity
Full legal name : Private ECOWAS Financial Improvement Board
Acronym : (PEFIB)
Date of establishment 2009, Ghana
Country(ies) of origin: Ghana, Benin & Nigeria
Legal status : Banking Association Limited by Guarantee
Official address: C/o Ghana Bankers Association
4th Floor M, SSNITT Tower Block
Pension House
P.O.Box 41
Accra-Ghana
Postal address: P.O.Box 41
Accra-Ghana
Telephone number:
+233 21 780629,
Fax number: +233 21 667138
E-mail of the Organization: assbankers@ighmail.com
Website of the Organization: www. pefib.org
Contact person for this intervention : Mr D.K. Mensah
Position of the contact persons: Chairman
Contact person’s email address : assbankers@ighmail.com
Contact person’s direct phone: +233 21 670 629
Any change in the addresses, phone numbers, fax numbers and in particular e-mail, must be notified in writing to BizClim PMU.
The PMU will not be held responsible in case it cannot contact an applicant.
DETAILS OF YOUR ORGANIZATION
When was your organization founded and It was established in 2009
when did it start its activities?
What is the mandate of your Organization? To facilitate the role of the regional Private sector banks in the integration
process in the ECOWAS region.
What are the main activities of your Policy, Dialogue activities between Govt and the Private Banking Assocs on
organization at present? issues of relevance to the competitiveness of Banks in the ECOWAS region.
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 9
ADMINISTRATIVE INFORMATION
2. Other applications made to European institutions, the European Development Fund (EDF), EU Member States or
other donors.
Grants, contracts and loans obtained over the last three years from European Institutions, the EDF, EU Member States
and other donors.
Country of intervention EC budget line, EDF or EU Member States Amount (EUR) Year obtained
ECOWAS Region EDF 9th-ACPBusiness Climate Facility EUR200,000 2009
ECOWAS Region EDF 8th-PROINVEST (Technical Assistance) EUR150,000 2010
Grant applications submitted (or about to be submitted) to European Institutions, the EDF and EU Member States in the
current year. The applicant may list only actions in the same field as this proposal
Country of intervention EC budget line, EDF or EU Member States Amount requested
(EUR)
N/A
N/A
N/A
N/A
NB: The applicant is required to inform without delay the PMU to which this application is submitted if the same application for
funding made to other donor or Community institutions has been approved by them AFTER submission of this request for
assistance.
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 10
PARTNER
II. DETAILS OF THE APPLICANT
3. Identity
Full legal name :
Acronym :
Date of establishment
Country(ies) of origin:
Legal status :
Official address:
Postal address:
Telephone number: Country code + city
code + number
Fax number: Country code + city code +
number
E-mail of the Organization:
Website of the Organization:
Contact person for this intervention :
Position of the contact persons:
Contact person’s email address :
Contact person’s direct phone:
Any change in the addresses, phone numbers, fax numbers and in particular e-mail, must be notified in writing to BizClim PMU.
The PMU will not be held responsible in case it cannot contact an applicant.
DETAILS OF YOUR ORGANIZATION
When was your organization founded and
when did it start its activities?
What is the mandate of your Organization?
What are the main activities of your
organization at present?
ADMINISTRATIVE INFORMATION
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 11
4. Other applications made to European institutions, the European Development Fund (EDF), EU Member States or
other donors.
Grants, contracts and loans obtained over the last three years from European Institutions, the EDF, EU Member States
and other donors.
(The applicant may list only actions in the same field as this proposed intervention)
Country of intervention EC budget line, EDF or EU Member States Amount (EUR) Year obtained
N/A
N/A
Grant applications submitted (or about to be submitted) to European Institutions, the EDF and EU Member States in the
current year. The applicant may list only actions in the same field as this proposal
Country of intervention EC budget line, EDF or EU Member States Amount requested
(EUR)
N/A
N/A
N/A
N/A
NB: The applicant is required to inform without delay the PMU to which this application is submitted if the same application for
funding made to other donor or Community institutions has been approved by them AFTER submission of this request for
assistance.
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 12
APPLICANT DECLARATION AND SIGNATURE
5. Declaration by the Applicant
The applicant declares that:
It undertakes to comply with the principles of good partnership practice.
It is directly responsible for the preparation and management of the intervention, with its partners if any, and is not acting as
an intermediary.
It is fully engaged in pursuing its cooperation with BizClim PMU for a successful implementation of its request.
It acknowledges that it may lose eligibility to obtain assistance for the action subject to this request for assistance, or other
actions, should all or part of the information submitted in the present request not be correct or intentionally omits
indispensable elements for the evaluation of the request.
Signature
I, the undersigned and person responsible in the applicant organization for the proposed intervention, certify that the information
given in this Declaration is correct.
Date:
Name
Position:
Signature:……………………………….
ACP Business Climate Facility (BizClim) Manual of Procedures
10 ACP RPR 015 Request Form
Page | 13
Once this application for assistance is filled in,
please kindly send it by e-mail at info@acpbusinessclimate.org
ensure that BizClim PMU receives the signed Declaration by the applicant (either by scan, fax or postal
mail)
ensure that each partner has completed and signed a partnership statement
ensure that the signed partnership statements of all partners are sent to BizClim PMU (either by scan, fax
or postal mail)
BizClim PMU contact details:
ACP Business Climate facility (BizClim) – Programme Management Unit
205 Rue Belliard
BE-1040 Brussels
Belgium
Tel: +32 669 98 25
Fax: +32 669 97 86
Email: info@acpbusinessclimate.org
ACP Business Climate Facility (BizClim)
10 ACP RPR 015
