# 10009293-Development of inclusive financial services and products

Open · Tender

**The deadline in the notice has passed. The page stays for reference.**

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## At a glance

Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH is procuring Business and management consultancy services (CPV 79410000). The notice gives 30 October 2026, 12:00 (UTC+01:00) as the deadline. Procedure type: Open.

### From the notice

Iraq faces a persistent gap between its people and the financial system. 
Banks have long leaned on large state-owned institutions, credit has flowed 
mainly to established borrowers, and micro and small businesses along with 
women entrepreneurs and displaced communities have been largely left out. 
ProDIGI project, full name Promoting Employment in the Digital and Green 
Economy in Iraq, is trying to change that in a practical, grounded way. 
ProDIGI is a multi-donor initiative commissioned by the German Federal 
Ministry for Economic Cooperation and Development (BMZ), co-financed by 
the European Union, and implemented by the Deutsche Gesellschaft für 
Internationale Zusammenarbeit (GIZ) GmbH. The project covers central and 
southern Iraq as well as the Kurdistan Region, with a focus on areas where 
joblessness, displacement, and limited access to services overlap. 
Within the project, Output 3 targets the financial inclusion side of the 
challenge. The starting point is a clear-eyed look at what the sector lacks: 
financial service providers that are capable, willing, and equipped to design 
products that fit the people they are supposed to serve. Banks and 
microfinance institutions in Iraq today mostly offer standardised products with 
high collateral requirements and limited digital capabilities. Reaching women
led small businesses, rural communities, or young entrepreneurs running 
green or tech ventures requires a different kind of product, and often a 
different kind of institution. 
To bridge that gap, the project works directly with Iraqi financial service 
providers: banks, microfinance institutions, digital payment companies, 
fintechs, and government lending programmes. The approach combines 
needs assessments, hands-on advisory services, staff training, product 
design support, and pilot testing. The goal is not to deliver a finished product 
from outside, but to build the knowledge and process capacity within each 
institution so that change remains after the project ends. 
By the close of the assignment, at least three new or significantly adapted 
financial products must be in place, and these products must be actively 
reaching real users at a minimum of 950 individuals and 50 companies. The 
work also emphasises gender equality: women-led businesses are a priority 
target group, and all capacity-building activities must include a meaningful 
share of women participants. 
The broader context matters too. Iraq's Central Bank launched the national 
financial inclusion strategy that encourages digital payments, SME lending, 
and consumer protection improvements. ProDIGI project aligns directly with 
those priorities, making it both a practical intervention at the level of individual 
institutions and a contribution to the country's wider financial sector 
development. 
The selected firm will work directly with three to five financial service providers 
(FSPs) operating in Iraq. These may include commercial banks, microfinance 
institutions, digital payment providers, fintechs, and government lending 
schemes. GIZ will have pre-selected up to two FSPs before the contract 
starts, so work can begin without delay. The remaining FSPs will be selected 
by the contractor and GIZ jointly, based on agreed criteria.

## Key facts

- Status: Open
- Deadline: 30 October 2026, 12:00 (UTC+01:00) (7 days ago)
- Buyer: Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH, Eschborn, DE
- Main CPV: Business and management consultancy services (CPV 79410000)
- Procedure: Open
- Lots: 1
- First published: 13 October 2026, 07:37 (UTC+02:00)

Source: [Official notice](https://oeffentlichevergabe.de/ui/de/notices/fabcb158-fc96-4cd2-ae7f-ac3564a107e5). Each fact is from the official notice, last checked 27 October 2026, 06:30 (UTC+01:00).

Fact sheet: [Inteliwert fact sheet: 10009293-Development of inclusive financial services and products — Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH, deadline 30 October 2026, 12:00 (UTC+01:00). A product of Bandpey GmbH.](https://inteliwert.com/cards/opp_N3CWQ9P2CG276SJCVM3HF7KKNP/ntv_K89DW3JZC19JBHYTQ9F9NFC2AW/en-sheet.png) (PNG, 1600 × 900)

## Lots (1)

### Lot LOT-0001: 10009293-Development of inclusive financial services and products

The assignment is structured around three work packages. 
The first covers the selection and appraisal of partner FSPs. The contractor 
will conduct an institutional diagnostic for each FSP, reviewing their current 
product offering, business model, lending processes, digital infrastructure, 
client outreach capacity, and staff skills. Based on that analysis, a cooperation 
agreement will be signed with each FSP, along with a detailed work plan 
laying out what the collaboration will achieve and by when. This phase should 
be completed within the first three months. 
 
The second work package is where the core technical work happens. The 
contractor will support FSPs in designing or adapting financial products that 
genuinely respond to the needs of target groups, particularly women-led 
businesses, rural borrowers, and MSME clients who currently lack access to 
suitable financing. The process follows a structured product development 
methodology: from prototype design, through pilot testing, to assessment and 
refinement, and finally roll-out. Alongside the product work, the contractor will 
help FSPs develop marketing materials and outreach strategies, adjust 
internal procedures and manuals, and train front-line staff such as loan 
officers and branch managers. At least three financial product prototypes 
must be developed by the fifth to seventh month, piloted by month eight, and 
formally adopted with updated manuals by month ten. 
The third work package covers cross-cutting contributions: occasional training 
inputs for financial sector stakeholders such as the Central Bank of Iraq and 
sector associations; support for GIZ's monitoring and evaluation activities; and 
at least three public communication outputs, case studies, blog posts, fact 
sheets, or similar, documenting the work done with each FSP.

- CPV: Business and management consultancy services (CPV 79410000), Business development consultancy services (CPV 79411100), Seminar organisation services (CPV 79951000)
- Deadline: 30 October 2026, 12:00 (UTC+01:00)

## Timeline

- 13 October 2026, 07:37 (UTC+02:00): Original notice, Notice, version 01 (Contract or concession notice – standard regime), [Official notice](https://oeffentlichevergabe.de/ui/de/notices/fabcb158-fc96-4cd2-ae7f-ac3564a107e5)

## Classification

- CPV codes: Business and management consultancy services (CPV 79410000); Business development consultancy services (CPV 79411100); Seminar organisation services (CPV 79951000)

## Official documents

- [ausschreibungen.giz.de](https://ausschreibungen.giz.de/Satellite/notice/CXTRYY6DYRR1XNS3/documents)

## Questions and answers

### When is the deadline?

The official notice gives 30 October 2026, 12:00 (UTC+01:00) as the deadline.

### Who is the buyer?

Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH, Eschborn, DE.

### What is being procured (CPV)?

Business and management consultancy services (CPV 79410000), Business development consultancy services (CPV 79411100) and Seminar organisation services (CPV 79951000).

### Is it divided into lots?

No, the notice names a single lot.

### Which procedure is used?

Open.

### How do I submit a bid?

On the official notice or the portal it names. Inteliwert does not submit bids. [Official notice](https://oeffentlichevergabe.de/ui/de/notices/fabcb158-fc96-4cd2-ae7f-ac3564a107e5)

### Am I eligible?

Inteliwert does not judge eligibility. The selection criteria are in the official notice. [Official notice](https://oeffentlichevergabe.de/ui/de/notices/fabcb158-fc96-4cd2-ae7f-ac3564a107e5)

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## Source

- Publisher: Bekanntmachungsservice
- Licence: [CC0 1.0](https://creativecommons.org/publicdomain/zero/1.0/)
- Official notice: [https://oeffentlichevergabe.de/ui/de/notices/fabcb158-fc96-4cd2-ae7f-ac3564a107e5](https://oeffentlichevergabe.de/ui/de/notices/fabcb158-fc96-4cd2-ae7f-ac3564a107e5)
- Last checked: 27 October 2026, 06:30 (UTC+01:00)

The official notice is authoritative. Inteliwert shows what the notice states and links to it.

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Page: https://inteliwert.com/tender/opp_N3CWQ9P2CG276SJCVM3HF7KKNP/10009293-development-of-inclusive-financial-services-and-products

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