Jun 192018

Organization: CARE
Country: Viet Nam
Closing date: 30 Jun 2018

CARE International in Vietnam Overview

CARE is an international development organisation fighting global poverty with a special focus on working with women and girls to bring sustainable changes to their communities*.* CARE founded in 1945, today CARE works in 95 countries around the globe*. In 2017,* CARE supported 950 poverty-fighting development and humanitarian aid projects to reach more than 216 million people. We work with partners to achieve lasting results for marginalised communities. CARE has been working in Vietnam since 1989 and has completed over 150 projects in 23 provinces in collaboration with local partners. CARE International in Vietnam was founded by CARE Australia as Country Office of CARE International network and is registered as representative office of CARE International, having the authority to work/partner with those agencies which have the legal status in Vietnam in the development sector and humanitarian support non-government and non-profit organisation. In Vietnam CARE’s goal is to ensure long term positive change for marginalised groups, especially women, by tackling underlying causes of poverty, vulnerability and social injustice.



Vietnam is among the most disaster prone countries in the world. Vietnam’s NDC under the Paris agreement underlines the climatic changes in the country has already experienced including an intensity increase in storms, floods and droughts. Further temperature and rainfall increases are expected in the coming decades. Poor, ethnic minorities and women, the main target groups of this project, are also regarded as most vulnerable in Vietnam’s NDC and as a priority group for adaptation. Local farmers, women and men increasingly recognise changes in weather patterns which adversely affect their livelihoods. But they largely lack the capacities and tools to gather and interpret accurate and timely climate information in a way that they can adapt for increased resilience. They also lack access to resources and social protection mechanisms, such as climate risk insurance, which could help them cope with occurring impacts. The action *InfoAc*t in alignment with relevant national and local climate change, disaster metrology frameworks will build on the existing though limited experience in relation to agro-climate information and micro-insurance. It will also leverage the network of around 150 Village Saving and Loans Association (VSLA) groups established by CARE and partners in Dien Bien provinces which will provide a platform for delivery of interventions under InfoAct.

The overall goal of this project is enhanced livelihood and increased resilience to the effects of climate change and variability of poor ethnic minority women and men in rural areas. The specific objective is #number of ethnic minority households in rural areas have increased their climate resilience based on improved access to and use of climate information and resources. This will be achieved with following 5 outputs:

  1. Strengthened capacity of service providers and users to produce and to interpret and apply climate information

  2. Increased access to relevant and actionable climate information among ethnic minority women and men

  3. Improved social protection and climate risk insurance coverage for ethnic minority households through VSLA

  4. Improved coordination mechanism for climate information and climate risk micro-insurance system

  5. Increased capacity of local partners to develop understandable downscaled climate information and advisories and supporting local farmers in articulating their climate information demand towards local authorities beyond project duration


The consultancy will contribute to output 3 of the action “improved social protection and climate risk insurance coverage for ethnic minority households through VSLA” with conducting a micro-insurance feasibility study and design and pilot a sustainable micro-insurance scheme for ethnic minority women and men farmers in Dien Bien and Lai Chau province.

The feasibility study will include:

  1. Risk and loss analysis in target locations and in consultation with provincial level authorities to identify communities’ insurance needs (crops, commodities, livestock animal etc), trends in loss and damage, analysis of socio economic factors affecting micro insurance payment willingness of target group, affordability of premium payments, compensation payment trigger (threshold or index based), define compensation payment criteria (field based)

  2. Desk research on self-financed insurance in Vietnam and internationally (home based)

  3. Consultations with others who have tested and have access to micro-insurance in Vietnam

  4. Consultations with VSLA members and their family members to assess level of interest in participating in the micro insurance scheme, level of awareness about micro-insurance, willingness to pay, barriers and incentives to participate (field based)

  5. Identification of the most appropriate provincial authority to coordinate the scheme (including financial management) (home and field based)

  6. Human resource needed, including field officers to maintain the scheme

Design and pilot micro insurance scheme:

The design of the self-financed micro-insurance scheme will be based on the feasibility study results and the input from the VSLA members. The scheme should be accessible by women. The scheme will include a monitoring system for financial management, fraud control, transaction flow and compliance

The participatory approach will involve:

  1. Stakeholder workshop to draft the scheme’s model with VSLA leaders, Department of Agriculture and Rural Development (DARD), Hydro Meteorology Station, Women’s Union and Peoples’ Committee (field based)

  2. Consultations with VSLA members (field based)

  3. Stakeholder workshop to finalise the insurance model (field based)

Review visit of consultant after insurance model is operating for formulation of lessons learnt and recommendations.


The consultant will be responsible for developing a feasibility study and micro- insurance design methodology. This should include:

  • A literature/data base review including but not limited to:

  • Project design documents / proposal and workplan

  • Climate change/ Disasters and impacts in targeted locations

  • Self-financed micro-insurance models in Vietnam and internationally

  • Relevant policy documents

  • Risk profile of target area and group

  • Focus group discussions with VSLA member and local authorities

  • In depth interviews with beneficiaries and key informants

It is expected that the consultant proposes appropriate and/or innovative, activity-oriented approaches to gaining in-depth understanding of the target audiences.


The Consultant will produce:

  1. Feasibility Study, including level of vulnerability and climate and disaster risk (risk profile for target provinces and groups), trigger for compensation payments and criteria for payments and finance scheme

  2. Micro-insurance scheme model


    The feasibility study and micro- insurance scheme will be written in plain English so as to facilitate understanding, as well as its translation into Vietnamese and subsequent dissemination to project stakeholders. Feasibility study should be brief, clear with cogent analysis. The assessment should be evidence based and suggest pragmatic ways to develop the micro-insurance scheme.

    Draft Template

    Front cover

    Table of contents


  3. Executive Summary

  4. Introduction – Basic project data, map(s), background, purpose and methodologies used

  5. Findings

    1. Risk and Loss Analysis

    2. Self-financed insurance schemes

    3. Acceptance and requirements target group

    4. Embedding in governance structure and required resources

    5. Micro Insurance design and approach to pilot

  6. Recommendations Conclusion

  7. Bibliography

  8. Appendices



  9. At the minimum, master degree in economics or other related field.

  10. Being able to access relevant data on disasters in the target region to develop a risk profile

  11. Experience in designing and conducting risk analysis and micro- insurance schemes for rural population, engage with local communities and other stakeholders

  12. Experience in designing climate micro- insurance schemes for farmers, preferably in Vietnam

  13. Understanding the context of ethnic minority groups in rural areas and experience in engaging women

  14. Excellent proficiency in English, especially in written form


    The Consultant is required to:

  15. Work from his/her home base. Accommodation and meal costs while at this base are the consultant’s responsibility

  16. Provide his/her own laptop computer, equipment and supplies

  17. Be available to travel to the project sites as required. CARE will provide the transportation.

How to apply:

Interested consultants should prepare a competitive bid based on the information provided in this TOR, and return to the following e-mail address: by 30 June 2018. The submission should include a 1-2 page outline of the proposed approach to the feasibility study and micro-insurance scheme, a CV of the consultant, detailed quotation for services and the names of at least two references for whom the consultant has done similar work. A timeline also should be included in the submission.

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