Consultant to conduct the research on the financial inclusion and service needs of migrants and remittance recipients and development of information campaign on accessibility of financial services and products for migrants in Kazakhstan

Project Context and Scope

Since June 2022, the International Organization for Migration (IOM)/United Nations Agency for Migration has been implementing the regional project “Labour Migration in Central Asia” (Phase 1), funded by the Swiss Agency for Development and Cooperation (SDC), which contributes to the management of labour migration for maximizing the impact of human mobility on development in both countries of origin and countries of destination.
The consultancy involves conducting comprehensive research on the financial inclusion and service needs of migrants and remittance recipients. This includes reviewing existing literature, designing and implementing pre-departure and post-return surveys, collecting quantitative and qualitative data through surveys, interviews, and focus group discussions, analyzing the data to identify gaps and needs in financial inclusion and saving options, preparing a comprehensive report detailing findings, conclusions, and recommendations, and presenting the findings to the International Organisation for Migration (IOM) and relevant stakeholders. The goal is to provide actionable insights and recommendations to improve financial inclusion and services for migrants and remittance recipients.
Project activity will contribute to the Outcome 5 of the project: “Migrants and their families achieve greater financial inclusion and uptake of financial services to sustainably improve their livelihoods”.
In order to achieve the project objective and expected results, close collaboration across all the main stakeholders within the labour recruitment process, including governments, international organizations, recruiters, and the private sector, will be required. IOM anticipates working with partners to ensure a wide range of expertise are leveraged to address the challenges outlined and deliver a large-scale response. Such coordination will also be critical to ensure the sustainability of the project’s activities to encourage sustainable change among stakeholders.
The purpose of this initiative is to develop research methodology, co-ordinate research activities including conducting interviews, develop report structure and deliver report on remittances and financial literacy policies and practices in Kazakhstan and develop an information campaign.
 

Organizational Department / Unit to which the Consultant is contributing
Labour Migration Department/ “Labour Migration – Central Asia” project funded by the Swiss Agency for Cooperation and Development (SDC)/LM.0479 Tasks to be performed under this contract
 

1. First deliverable – Present and obtain approval on methodology and plan (including aims of the research, research tasks and questions, theoretical basis of the research, previous research, illustration of the chosen research methods, relevant literature, time and work schedule) - by 30 of June 2025;
2. Second deliverable - Present qualitative and quantitative research and present results with financial institutions and beneficiaries (Component 1) including summaries of the interviews, focus groups, and database of the demand-side research data by 30 of August 2025;
3. Third deliverable - Draft Final version of the report to be submitted for review and recommendations by the IOM (Component 1) - by 30 of September 2025 ;
4. Draft Final version of the report is validated with the main stakeholders, feedback received – by 30 October 2025.
5. Final deliverable - Review and contribute feedback to the entire report including recommendations to enhance supply and attractiveness of financial services tailored to the needs of the target group present before IOM and respective stakeholders by 30 November 2025.  For the purpose of this ToR, unless stated otherwise, the ‘target group’ includes: migrants, remittance recipients in Kazakhstan, returnees.   Performance indicators for the evaluation of results
    

   The program must be able to perform the functions described below:
   1.Develop research methodology that assesses:
   2. The structure and ecosystem of the MTA industry within the target countries including digital remittance transfer options and additional financial services that may be provided by banks and MTAs to migrants and remittance recipients
   3. MTA perceptions of regulatory or market challenges that may limit the growth of digital services or uptake of additional financial services by remittance recipients, particularly pertaining to savings;
   4. Identified obstacles to the delivery and use/uptake of digital remittances or additional financial services from a client perspective;
   5. Finalize research methodology and workplan;
   6. Lead implementation of the research agenda according to the methodology and workplan approved by IOM;
   7. Develop and submit for review/approval any products developed for the collection of data and information related to the research project including, inter alia, surveys, interview protocols and list of proposed interviewees;
   8. As required, coordinate with IOM office to assist in coordinating necessary meetings and tele/videoconferences with government officials and private sector actors within the MTA business, or other stakeholders;

   9. Perform fieldwork as outlined in the agreed methodology (interviews, FGDs, etc.);
   10. Contribute in the scheduled research team meetings, providing updates on research and providing insights and connections to the research being conducted on the Demand Side by other members of the research team;
   11. Submit a draft of the of the research to the IOM by end of September 2025;
   12. Coordinate any necessary revisions for a finalized version to be completed by beginning of September 2025.
   13. Deliver a presentation highlighting the key findings of the research project as well as recommendations to promote digitization of remittances focusing primarily on financial offerings that promote financial inclusion and savings among migrants and remittance recipients
   14. Consult with the IOM project team on appropriate and agreed approaches to the specified tasks before their completion;
   15. The quality of and the timely completion of deliverables;
   16. Feedback from the IOM Project Management Team, Thematic Specialist and counterparts;
   17. Compliance with IOM House style Guidelines;
   18. Compliance with IOM Data Protection Principles.

   Education
   • Higher education in Finance, Economics, Humanities, Marketing, Political Science, International Relations or related fields, as well as budgeting, communication, negotiation and participation skills; Experience

     Knowledge of development of the marketing and information campaigns, promotion of new products and services
     Experience conducting qualitative and quantitative research. Experience with tools for creating interactive learning materials

     Skills
     • Relevant technical expertise and experience in working with a diverse range of stakeholders at the national and local level in creating a youth-friendly perspective across sectors;
     • Ability to communicate productively and clearly, high organizational skills, attention to detail, personal involvement, ability to work productively and cohesively with colleagues from diverse cultures and professional backgrounds;
     • Adequacy and clarity of proposed budget;
     • Sustainability of the product;
     • Gender mainstreaming to apply during program implementation Languages
       • English   Travel required
         • No Required Competencies   Values - all IOM staff members must abide by and demonstrate these three values:
         • Inclusion and respect for diversity: Respects and promotes individual and cultural differences. Encourages diversity and inclusion.
       • Integrity and transparency: Maintains high ethical standards and acts in a manner consistent with organizational principles/rules and standards of conduct.
     • Professionalism: Demonstrates ability to work in a composed, competent and committed manner and exercises careful judgment in meeting day-to-day challenges.
   • Courage: Demonstrates willingness to take a stand on issues of importance.
6. Empathy: Shows compassion for others, makes people feel safe, respected and fairly treated. Core Competencies – behavioural indicators
7. Teamwork: Develops and promotes effective collaboration within and across units to achieve shared goals and optimize results.