Tinh Thuong one member limited liability microfinance institution (TYM) is under Vietnam Women’s Union, specializing in providing microfinance services including credits, savings and supporting services for poor and low-income women in rural and semi urban areas. Currently, TYM is recruiting 01 expert to carry out a research on TYM’s operations.
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- General introduction about TYM
* Scope of work:
– Credit
– Savings
– Family assistance
– Training – consultancy
– Community support
* Targets:
– Loans participants: Individuals at the age from 18 to 65 (at the time participating into TYM) of the following groups:
+ Poor households (in accordance with the regulations of the Government)
+ Individuals and households with low income: the average income/person/month is lower than the average per capita income regulated by the Government
+ Micro enterprises.
– Others: Individuals and organizations with desire to participate into TYM’s other activities excluding loans and family assistance activities.
* Areas of operation: Ha Noi, Vinh Phuc, Phu Tho, Bac Ninh, Thai Nguyen, Hai Duong, Hung Yen, Nam Dinh, Thanh Hoa, Nghe An
- Description of the research:
- Evaluating the production – business status of members (borrowers) in TYM’s operating areas, their occupations, daily income and expenses to determine the suitability of TYM’s financial products.
- Evaluating the current financial products, the situation of dropout, and the satisfaction of TYM’s clients.
– For the current financial products:
+ Loans: Study the compatibility of TYM’s existing credit products to the target groups in terms of their purposes and terms, repayment methods, advantages and limitations in comparison with similar products on the market.
+ Savings: Study the compatibility of TYM’s existing savings products to the target groups in terms of their features and terms, relevant policies; advantages and limitations in comparison with similar products on the market.
– For the situation of dropout: Study the causes of dropout, propose mitigation solutions.
– Clients’ satisfaction assessment: Assessing the satisfaction of clients with TYM’s products and services including financial and non-financial products, TYM’s customer services….
- Based on the research results, propose solutions for TYM’s activities including:
– Changing the structure of credit and savings products if necessary (supplementing and adjusting)
– Changing the characteristics of credit, savings products (loan amount, term, repayment method, savings term, etc.) matching with target groups and enhancing TYM’s competitiveness with other institutions.
– Proposing specific solutions for mitigating the dropout.
– Proposing solutions for increasing the client’s satisfaction with TYM.
- Research duration: August and September, 2015
III. Recruitment requirements:
- Requirements for expert:
– Master level or higher in economics, social sciences, agriculture or related fields.
– Experience of research for at least 3 years of banking and financial products, preferably with experience in the field of microfinance.
– Understanding of community activities, particularly in rural areas.
- Expected outputs:
– Assessment reports of the existing products, the situation of dropout, the satisfaction of TYM’s clients along with the proposed solutions and recommendations acceptable by TYM.
– Meeting to report the research results.
- Application profile:
– CV in company with diplomas, certificates.
– A detailed description of education and working experiences (especially previous researches conducted).
– A research proposal includes detailed assessment contents, assessing methods, tools, plans and budget.
Please send your application directly or via email to the following address:
Ms. Pham Quynh Trang – Research and Communication Department
Tinh Thuong one member limited liability microfinance institution (TYM) – Vietnam Women’s Union
3 floor, building B, 20 Thuy Khue, Tay Ho, Ha Noi
E-mail: trangpq@tymfund.org.vn
Deadline: 15th July, 2015