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Consultancy Services to undertake a Diagnostic Assessment on Financing for Women
Procurement Process
RFQ - Request for quotation
Office
UNDP-NGA - NIGERIA
Deadline
25-Jul-25 @ 06:59 PM (New York time)
Published on
11-Jul-25 @ 12:00 AM (New York time)
Reference Number
UNDP-NGA-01141
Contact
Emmanuel Ango - emmanuel.ango@undp.org
Introduction
Across northern Nigeria, the convergence of insecurity, environmental degradation, and socio-economic fragility is entrenching cycles of poverty and instability. The northwest region has become emblematic of this crisis, facing not only sustained armed violence and mass displacement but also worsening impacts of climate change, from desertification and rainfall variability to shrinking agricultural output and ecosystem stress. These compounding stressors continue to overwhelm local coping capacities and undermine development progress.
At the heart of these challenges are women and girls, who carry a disproportionate share of the burden yet remain systematically excluded from recovery and resilience-building efforts. Many serve as de facto heads of households in the absence of displaced or deceased male relatives. They are also primary caretakers and informal entrepreneurs but operate within environments that deny them access to productive assets to meaningfully contribute to local economic development. These structural inequalities also significantly constrain their ability to adapt, rebuild, and contribute meaningfully to their communities' recovery.
Yet, evidence consistently shows that women are among the most impactful agents of resilience when adequately supported. Their participation in economic life improves household welfare, strengthens food and nutrition outcomes, and fosters social cohesion. Financial inclusion, especially in crisis-affected areas, can be a game-changer. When women have access to capital, they invest in their families, drive local enterprise, and enhance community resilience. In fragile contexts, financial empowerment can be both a tool for inclusion and a cornerstone for survival, recovery, and peacebuilding.
Despite this, financial systems in the region remain ill-equipped to reach women in these contexts. Available financing is heavily skewed toward short-term emergency response, with limited alignment between humanitarian aid, development funding, and climate finance. Moreover, women in rural or conflict-affected areas are often perceived as high-risk clients by formal institutions, making it even harder for them to access credit, savings, insurance, or business development support.
There is a growing recognition that transforming outcomes for women in crisis-affected regions requires more than programmatic interventions. It demands innovative financing solutions that are inclusive, coordinated, and locally grounded. This means designing instruments that not only bridge the humanitarian-development-peace-climate divide but also centre the needs and agency of women as core to recovery and resilience.