Job Title: Research Associate, Impact Assessment Programme (Kenya)
* Africa/Middle East
1. Background
The Financial Sector Deepening (FSD) programme was established in 2005 to support the development of financial markets in Kenya as a means to stimulate wealth creation and reduce poverty. Working in partnership with the financial services industry, the programme’s goal is to expand access to financial services amongst lower income households and smaller enterprises. It operates as an independent trust under the supervision of professional trustees, KPMG Kenya, with guidance from a Programme Investment Committee (PIC). In addition to the Government of Kenya, funders include the UK’s Department for International Development (DFID), the World Bank, the Swedish International Development Agency (SIDA), Agence Français de Développement (AFD) and the Bill and Melinda Gates Foundation.
FSD’s programme already encompasses a significant amount of research and this is expected to rise significantly in the next year and beyond. In 2009, some of the major areas of research included:
* FinAccess 2009: The second national survey on access to financial services in Kenya. A nationally representative sample survey was undertaken with nearly 6,600 interviews completed by a research agency engaged by FSD Kenya on behalf of a public-private sector partnership (FinAccess) which oversees the study. Further work is now on-going to further analyse the data set (combined with the first round study from 2006). In the future the Central Bank of Kenya (CBK) with support from FSD will manage the implementation of FinAccess. The next round is envisaged in 2011.
* FinAccess supply side: A set of activities aimed at improving the availability and analysis of data on the supply side. The objective is to cover the formal banking system, saving and credit co-operatives and micro-finance institutions.
* State of the sector review: a survey of a sample of formal and semi-formal financial service providers in order to produce a state of the sector report to complement other FinAccess work. It specifically aims to produce a better understanding of market linkages and business services.
* M-PESA study: Commissioned by FSD and undertaken in partnership with CBK and the Consultative Group to Assist the Poor (CGAP). A national household survey (of 3,000 users and non-users) was undertaken together with interviews of 250 agents and 66 agent head offices, to better understand user experiences of M-PESA and identify risks to inform forthcoming regulatory work.
* Survey on bank charges and lending rates: A research agency was commissioned to survey 900 bank customers in Nairobi, Mombasa and Kisumu to establish average usage patterns for savings, current accounts and the average loan size and duration. Using pricing data from banks this enabled the generation of average costs to consumers of using banking services.
* Scoping study for definition of a standard measure for consumer interest rates in Kenya: Key informant interviews and a focus group exercise were used to explore and test the reaction of a range of consumers to various interest rate measures.
In 2010, FSD started a programme of impact assessment with the aim of strengthening FSD’s own work and that of others involved in developing inclusive financial markets. A recent review of FSD’s impact in its first five years of operation pointed to the importance of better understanding the causal pathways from FSD’s work to impact on its goal of improving the livelihood of poor Kenyans. Reflecting the diversity of FSD’s programme an eclectic approach to this research will be needed. A secondary aim of the impact work will to provide evidence of the effectiveness of FSD to its funding partners.
This activity will be managed under FSD’s knowledge theme. A significant increase in capacity is needed to manage research across the programme. The theme is led by a FSD’s Senior Research Specialist, being supported by the recently appointed Research Economist. A research associate with a strong interest in development, research and the financial sector is needed to join the theme area providing skills on the development and management of quantitative research and economic analysis across the FSD programme.
2. Objectives
To support action-oriented knowledge generation on financial inclusion in Kenya to increase the impact of FSD’s programme.
3. Scope of work
3.1 Develop and manage FSD relevant research activities
The Research Associate will assist the Senior Research Specialist and Research Economist in the execution of FSD’s research projects. These will be broadly focused around impact analysis at project and systemic levels, but will also involve managing specific on-going initiatives such as the FinAccess survey and the new Centre for Branchless Banking. Depending on the nature of partnerships with others, the research management process to be supported will typically involve some or all of the following tasks:
* Participate in refining and developing core research questions to be addressed by the project, identifying clearly how the research will contribute to FSD’s objectives.
* Identify suitable research methods to support the project’s aims, balancing the requirements for achieving rigour, ensuring cost effectiveness and timeliness of results.
* Methods to be used will typically be quantitative and may include randomised control trials, quasi-experimental methods and panel data.
* Participate in the development and monitoring of research protocols and data collection.
* Monitor the implementation of research initiatives to ensure quality, relevance, cost control, timeliness and ethical standards are maintained at all stages including instrument design, sampling, piloting, instrument revision, fieldwork and coding.
* Participate in the analysis process to ensure that the data is analysed rigorously and useful insights are generated. This is typically likely to involve a combination of direct analysis and working with other analysts on a partnership or contract basis.
* Ensure all findings together with all key research issues encountered and resolutions are systematically documented in line with good research practice.
* Write, co-write or edit (as appropriate) research reports/papers presenting the key findings, analysis, insights and implications of the research.
* Seek peer reviews of reports/papers developed from relevant reviewers to ensure quality of material.
3.2 Develop the research initiatives under the Centre for Branchless Banking
A new Centre for Branchless Banking (CBB) was established to drive forward the development of branchless banking in Kenya. The Centre will work with industry and policymakers to identify and exploit opportunities to advance inclusion through branchless banking approaches. Given recent successes in the market there is considerable appetite for private sector led investment in branchless banking in Kenya. The problem faced by many investors whether existing players (notably banks and telecommunication companies) or start-ups is more about what to invest in and how to implement. The Centre’s offer to the market will therefore be founded on the generation and practical application of knowledge. The research associate will work with the Research Economist in the execution of the research agenda.
3.3 Undertake market analysis to support strategy and policy formulation
FSD’s strategy is based on the ‘making markets work for the poor’ development paradigm. The effectiveness of our work therefore depends critically on understanding how financial and linked markets are developing in Kenya. Furthermore there is an increasing demand from industry, Government and development players for reliable, well-grounded and insightful market analysis. Closely linked to the impact analysis work, the Research Associate will play a key role in FSD’s analysis of the market, with specific responsibility for the application of appropriate economic analysis. A strongly cross-disciplinary approach is taken by FSD. The Research Associate is expected to work closely with other members of the FSD research team in a way which effectively bridges the divisions between academic disciplines. Drawing on multiple sources of evidence our aim is to produce rigorous, well-grounded and practically valuable analysis for FSD itself, policy makers and industry players.
3.4 Support other FSD project leads on research issues
The Research Associate will provide support on research across the FSD programme, providing technical support to other project leads on research issues. Where there is a specific major research activity with a significant technical element as part of a project, the Research Associate will take on responsibility for managing it, working closely with the overall project lead. For less intensive/technically demanding work, the Research Associate will provide backstopping support to the project lead and will field requests for information from key institutions and the public at large.
3.5 Additional activities as required in support of FSD’sprogramme
FSD is a small team and a flexible approach is required at all times on the part of its professional staff. This may necessitate that the Research Associate take on additional tasks not explicitly specified in these terms of reference. Areas which may arise include managing research interns where the need arises for additional support.
4. Conduct of the work
The scope of work covers a potentially broad agenda and will therefore require careful prioritisation. In establishing priorities, the emphasis will be on producing new and practically valuable research which will help FSD and others enhance the impact on the livelihoods of poor Kenyans. Where there is a need to balance competing demands for the Research Associate’s time, precedence will be given to producing results rather than attempting to systematically cover everything within the scope of work. It is anticipated that the practical business of producing research will occupy the largest proportion of the Research Associate’s time (as set out in section 3.1 of the scope of work above).
The Research Associate will report directly to the Senior Research Specialist, FSD Kenya. S/he will be expected to work closely with the rest of the FSD team in support of the scope of work indicated above. FSD is strongly results oriented and has adopted flexible working practices. This includes the use of flexi-time and provision for remote/home working.
5. Outcomes and deliverables
The primary outcome sought from this work is to develop and disseminate knowledge which will help practically support the delivery of financial services to lower income groups and smaller-scale enterprises with improved livelihood outcomes. It is not FSD’s role to produce basic research or contributions to knowledge without practical application to its overall goal. Specific deliverables over the next year will include but not be limited to:
* Conducting literature reviews.
* Analysis of the FinAccess survey 2011 and modifying survey instrument and protocols.
* Contribution to the impact assessment agenda for the FSD.
* Contribution to the research agenda for the Centre for Branchless Banking.
* Data management and analysis.
* Writing reports and articles for publication.
* Fielding informational requests
The copyright for all material prepared under this terms of reference will pass to FSD Kenya. It is FSD’s practice to publish the reports it commissions in its own house style. There is therefore no requirement for material to be extensively formatted beyond that required to indicate how material should be logically presented in the final report. All final reports should be presented in an electronic format allowing the text and graphics to be manipulated in preparation for publication. Where a final report is presented in a portable document format (pdf) generated from another format (such as Microsoft Word) it should be accompanied by the original file from which it is generated. All representations of graphic material (tables, figures, drawings, charts, graphs and photographs) must be able to be reproduced at high print resolution. Tables, figures, drawings, charts, graphs should be provided in Microsoft Excel or Adobe Illustrator format. Photographs must be provided in high-resolution JPG images set to minimum of 300 dots per inch (dpi). Any technical questions regarding these requirements should be addressed to FSD’s Communications Officer.
6. Requirements
A. Mandatory requirements :
* A relevant qualification in social science (minimum bachelors degree, masters preferred)
* Strong research skills, in-depth understanding of the analytical methods used in impact evaluation, as well as the general analytical skills required to work in evaluation.
* Experience of working with micro household- and community-level primary data
* Excellent spoken and written English
B. Assessment criteria Weighting (%)
* Relevant research qualifications and skills 30%
* Relevant experience and demonstrated commitment to FSD’s objectives 30%
* Demonstrated ability to communicate well in written and oral form English. 20%
* Cost and availability 20%
Total 100%
We are looking for a commitment period of two years for this position. The Application Deadline for this position is: December 31, 2012.
* Start Date: January, 2012
How to Apply:
Please send an email to lydiah@fsdkenya.org, following these instructions exactly:
* In the subject line: Copy exactly the following position line: 100478FDSKenya, Research Analyst, Impact Assessment Programme
* Attachments: Please attach ONLY your CV and cover letter.
* In the email body: Put your full name, first (given) name followed by last (family) name
Please do not include any text besides the position line(s) in the body of the e-mail. Adding extra text will interfere with the processing of your application.
Deadline: December 31, 2011