Refresher Training on Business Record Keeping, Financial Management, and Market Linkage for Host and Refugee Business Groups.

**PURPOSE OF THE ASSIGNMENT**

The REAP Project is a 27-month humanitarian and development intervention funded by Save the Children Italy and Implemented by Save the Children International (SCI) in Partnership with Somali Lifeline Organisation (SOLO) and the Relief, Reconstruction and Development Organization (RRDO). The project runs from October 2024 to October 2026. Operating across the Dadaab Refugee Complex, one of the largest and most protracted refugee situations in the world, the project targets 25,000 direct and 40,000 indirect beneficiaries, with a dedicated livelihoods component under Output 4.1 that supports adolescent mothers, caregivers, and foster parents through enterprise training and start-up support.

Following the first cohort of training, SOLO commissioned a Tracer Study of the Livelihoods Component in April-May 2026 to assess post-training socioeconomic outcomes and identify barriers to livelihoods sustainability. The tracer study surveyed 419 beneficiaries across Ifo 1, Ifo 2, Dagahaley, and Hagadera settlements. While the study documented significant positive outcomes; including a doubling of mean monthly profit (from KES 1,270 to KES 3,400), near-universal business participation (99.8%), and strong empowerment gains; it also identified critical structural gaps that constrain the depth, sustainability, and resilience of livelihood outcomes.

**Evidence Base for This Assignment**

The tracer study findings that directly necessitate this refresher training are as follows:

**Capital & Cash Flow Constraints**

*72.8% of respondents cited lack of capital as the primary barrier to business growth, and only a single lump-sum cash injection was provided at start-up, with no phased or performance-linked support. This is compounded by weak cash flow management and stock control practices.*

**Fragile Business Performance**

*While 82.5% reported increased profit, 71.8% of respondents could survive less than two weeks without external assistance in the event of an economic shock; indicating that income gains have not translated into financial resilience.*

**Weak Market Linkage & Diversification**

*82.6% of enterprises concentrated in retail trade and 13.6% in livestock, resulting in market saturation. Despite 88.5% of respondents being aware of alternative enterprise opportunities, most had not diversified; a gap attributed to capital barriers, risk aversion, and insufficient market linkage facilitation.*

**Gaps in Post-Training Support**

\*Refresher sessions on cash flow management, stock control, and business planning were explicitly identified as a top priority by both tracer study respondents and Key Informant Interviews. Mentorship and structured enterprise coaching were rated as critically insufficient.\*The purpose of this assignment is to engage the services of a qualified trainer or a firm, to design and deliver a practical, context-appropriate refresher training programme for host and refugee business group members previously supported under the REAP livelihoods component. The training should directly address the skill deficits and structural gaps identified in the 2026 Tracer Study, with particular emphasis on enabling participants to maintain accurate business records, manage cash flow and savings effectively, diversify to new products and services, leverage market linkages to access new markets and grow their enterprises.

The training is not intended to replicate or replace the initial enterprise training already delivered under Output 4.1. Rather, it constitutes a targeted, evidence-informed refresher intervention designed to consolidate prior learning, fill specific skill gaps, and build the business management foundation necessary for sustainable enterprise growth beyond a survival stage.

**OBJECTIVES**

**Overall Objective**

To strengthen the business management, financial literacy, and market access capacities of host and refugee enterprise operators in the Dadaab Refugee Complex, contributing to more resilient, diversified, and profitable livelihoods for the most vulnerable households.

**Specific Objectives**

1. Equip participants with practical skills in business record keeping, including income and expenditure tracking, stock records, and simple profit and loss calculation.
2. Build capacity in day-to-day financial management, including cash flow planning, budgeting, savings discipline, and managing intra-household income pressures.
3. Strengthen participants' understanding of working capital management and responsible approaches to accessing and repaying credit.
4. Connect participants to market information, value chain actors, aggregators, and financial service providers relevant to their enterprise sectors.
5. Support enterprise diversification by building participants' confidence and practical capacity to explore viable alternative sectors identified in the tracer study, including food processing, tailoring, personal care, digital services, and dairy value addi