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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

								
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