Transfer value and frequency Calculate the transfer value and set the frequency based on the understanding of household needs and gaps across sectors Transfer value and frequency: · Identify how variation in vulnerabilities, seasonality, geography, and availability of other forms of assistance affect household capacity to cover their needs · Calculate the amount based on the needs to be covered and the cost to access those. As much as possible adopt a multi sector perspective · Ensure the transfer value is an accurate reflection and evaluation of needs and is great enough to achieve the desired impact · Set the transfer frequency based on the needs to cover, the FSP capacity and the protection risks · Consider creative ways to ensure sustainability, if you are using humanitarian CTP to strengthen/develop social protection systems Selecting / developing project indicators Identify the key issues and related indicators to monitor at process, activity, output and outcome level · Identify and select a minimum number of process/activity, output and outcome indicators related to the key issues that require monitoring focused on beneficiaires, markets, programmatic risks and context · Incorporate these into a monitoring plan Implementation Registration and data protection Enroll beneficiaries in the most effective way, protecting their personnal data Registration and data protection · Set up beneficiaries’ registration and identification system · Collect the minimum necessary data from beneficiaries · and document the data protection measures · Seek inter-operability of the data on digital identity Delivery Set up and manage a CTP delivery process that is accessible, accountable and effective Delivery · Set up a cash delivery process with a clear share of roles and responsibilities and mitigation mechanisms informed by risk assessment · Document your cash delivery process and ensure it is compliant with donor/agency financial procedures · Reconcile the outgoing funds at organisation level with the ones at beneficiary level Communication and accountability Include CTP specific considerations in your communication and accountability approaches Communication and accountability: · Share clear messages with beneficiaries on programme design and accountability mechanisms · Provide guidance to beneficiaries so they can effectively use the CTP mechanism) · Make sure FSP are accountable to beneficiaries · Set up accessible and functional accountability and feedback mechanisms that include CTP-specific considerations · Identify CTP specific risks and opportunities to AAP · When using the PSNP for delivering CTPs, clarify the duration of the expansion and the continuity of the existing social protection support
Type of FSP Name Type of delivery mechanism offered Area of operation Service cost Condition of service Experience with CWG members Bank Commercial Bank of Ethiopia Across country? In general banks considered more expensive, but some are considering using them as not many alternatives in-country. Cooperative Bank of Oromia Oromia MFI Credit and Saving Institution Ababa Ahamara Credit and Saving Institution Ahamara FH Omo Finance SNNP Dedebit Credit and Savings Institution Tigray Oromia Credit Saving Institution Oromia Technology Providers Bel Cash -HelloCash Mobile money Across country? Mostly in urban areas Charge to send money and withdrawal, deposit and payment are free. Cost per transaction depends on the amount, SIM 15 birr, free to open an account. PSNP, WFP M-Birr 70% of territory (4 regions not covered) Cost ranges from 3 birr 45 ct to 1000 for withdrawal CRS, Mercy Corps, PSNP Kifiya FH. Some other NGOs consider it too expensive. Wave Money
The following financial and technical criteria can be used for the selection of the service provider: Item No List of requirements Minimum Service Requirements Scoring I GENERAL INFORMATION 1 Service Name Company and service 2 Agreement Sample service agreement 3 privileges List of any other privileges or services that reinforce your quote. II TECHNICAL REQUIREMENTS Payment Product Details: Corporate (payer) – 130 4 Transaction Tracking Capabilities Details on how transactions are pre-verified before payment and the information provided to organisation staff once payments are made. Sample transaction statement. 25 5 Registration and Know Your Customer Requirements (Corporate Account) List of requirements for organisation to activate an account with the service. 15 6 Full description of disbursement (Payment Process) Process flow chart of a funds disbursement including screen shots. 25 7 Account balance and transaction volume limitations (Corporate Account) Details on transaction limits, including limits on the value of payments organisation can send to a single recipient in one day and limits on the volume of transactions organisation staff can send in one day. 15 8 User Authorization Ability to assign different user 20
authorities within the system (i.e. maker, checker, processor) 9 Brochure, Catalogue and Booklet Attach brochures, catalogues and booklets that illustrate the service’s functions. N/A 10 Interoperability Platform interoperability with payment platforms 15 11 Data Storage Ability to store recipient data on the payment platform to avoid uploading names every time a payment is made. 15 Payment Product Details: End User (payee) – 70 12 Receipt of Funds Notification of transaction to recipients (i.e. SMS message) 25 13 Registration and Know Your Customer Requirements (end user account) List requirements for recipients to activate an account with the service provider. Describe ability to process payments to unregister or holders. 25 14 Account balance and transaction volume limitations (End User Account) Details on minimum/maximum amount of funds the end user can have in the account, as well as the amount of transactions that can be received in one day. 20 Distribution – 180 15 Coverage Area and Distribution network Map of global service geographic coverage areas. List all organisation staff country offices where you have access points or partnership to use 90
another SP access points. Highlight coverage per country. 16 Cash in/Cash out Liquidity Controls Details on liquidity management at the cash in/cash out access points (agents) 90 Customer Service/Training: Corporate – 50 17 Training for Details on the training provided to organisation staff on the system 5 18 Technical Support/Service Agreements Details on the service provider's support availability, monitoring, measurement, and reporting of technical support services 20 19 Disbursement Troubleshooting Details on dispute resolution process and process for return of funds not received or collected by recipients as well as other trouble shooting scenarios. 25 Customer Service/Training: End User (payee) – 80 20 Training for end users (recipients) Details on training (if any) provided to the end user (payees). 30 21 Technical Support Details on the service provider's customer service and support availability and standards. 30 22 Recipient Troubleshooting Details on who is responsible for troubleshooting transaction problems encountered by payees. 20 Data Privacy/Security/Service Provider Internal Controls - 80