Cohesion: What evidence demonstrates that the combined effect of the project components will demonstrate the intended project outcomes? To what extent have community groups been successfully formed and sustained in terms of membership, participation, and group cohesion? How effective are the community groups in fostering trust and collaboration for collective savings and financial decision-making? What barriers exist to community group formation, and how have they been addressed? To what degree does financial literacy training enable community members to engage with both digital savings platforms and housing finance products offered by the FSPs? How accessible and user-friendly are the digital platforms for savings groups, particularly for members with varying levels of digital literacy? To what degree has digitalization improved the transparency, efficiency, and security of savings group operations? 3. METHODOLOGY The evaluator is expected to frame the evaluation Methodology and evaluation approach data collection approached. Additionally, the evaluator will be expected to outline clearly the evaluation criteria using the OECD DAC Criteria 4. EXPECTED OUTPUTS FOR THE CONSULTANT 4.1 Deliverables for the consultants An inception report, proposed methodology, and work plan Submit a draft evaluation report Preliminary findings to be shared with HFHZ and its project partners through a dissemination workshop Final evaluation report (three signed hard copies) Copy of anonymized raw data Through the evaluation period, the evaluator will be expected to provide by weekly update of the process, from data collection to the final evaluation report. Assignment duration. Terms of Reference for Mid-Term Evaluation Creating Access to Safe Housing (CASH) 1. Background and Project Context Habitat for Humanity International (HFHI) is an INGO, founded in 1976, devoted to building simple, decent, and affordable housing. In 2018, Habitat launched “Global Impact 2025” (GI25). The initiative seeks to transform Habitat’s global operations to align with the ambition of its strategic plan, “to materially reduce the housing deficit.” The past three years have established a foundation for that growth: introducing the ministry’s first international theory of change; building the capacity for new revenue streams; and co-creating new models for more integrated operations across the Habitat network. Within the Africa region, HFHI recently finalized the Africa Strategy Framework, which is now being cascaded down for national level alignment. Habitat for Humanity Zambia (HFHZ) as an Affiliate of Habitat for Humanity International network, is a non-governmental organization that has existed in Zambia since 1984. HFHZ’s mandate is to fulfil a vision where everyone has a decent place to live. Since its establishment, HFHZ has served the most disadvantaged, vulnerable households and communities through the provision and promotion of decent housing, water, and sanitation, savings and financial literacy, and advocacy on land and housing rights with an emphasis on gender equality, ensuring that no one is left behind. Habitat for Humanity Zambia, in partnership with 2 Financial Service Providers, ZNBS and FINCA, is implementing a project called Creating Access to Safe Housing (CASH): Building Financial Inclusion and Resilience for Women in Zambia. The project implementation period is from 1 August 2023 to 31 July 2027. The project aims to aim to reduce poverty, promote gender equality, and promote inclusive, safe, resilient settlements by economically empowering low-income women through greater control of financial resources and safe shelter in Kabwe and Lusaka districts. The project will do this by enabling 60,000 households to have access to housing finance loans to reduce poverty and improve resilience. Habitat for Humanity Zambia is seeking to recruit an experienced consultant to design, plan, and conduct a rigorous mid-term evaluation of the project.This assignment is expected to take 40 days from the day of contracting. Click on the link here for more details. https://habitatforhumanityzambia.org./