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International Labour Organization
Country: IraqOrganization: International Labour OrganizationClosing date: 10 Nov 2026Request for Quotation for Final Independent Project Evaluation service, for the project titled “Towards More and Better Employment through Enhanced Support to Private Sectors in Southern Iraq – with a Focus on Green Business”2. Background informationPrivate sector development in Iraq is challenged by several factors, as the economy is largely dominated by the oil sector, and state-owned enterprises further impede incentives for private sector growth and diversification in the wider economy. Moreover, local firms struggle to become competitive within national and international markets, and an abundance of cheap imports combined with low levels of investment has hindered the development of nascent domestic activities1. Iraq is also known for a challenging business environment, which makes it difficult for “start-ups” and/or MSMEs to flourish and expand their business in the formal economy and green businesses. According to the World Bank report in 2020, Iraq is ranked 172 out of 190 countries for “ease of doing business”2. This relates in particular to the financial and time-related costs of setting up businesses, which the report estimated take 26.5 days on average and cost about 14.6% of income per capita.Another factor that halts private sector development is access to credit, where Iraq is ranked 186 out of 190 countries in the world. ILO research on financial inclusion from 2019 highlights several challenges to accessing credit and formal financing services3. The banking sector in Iraq is considered relatively small with limited capacity, leading to strong competition from informal financial service providers. The previous illiquidity of banks has also resulted in low levels of trust among the population in the banking sector, while private-sector banks consider many SMEs to be very high risk, thus reducing the likelihood of lending to what effectively represents most enterprises in Iraq. A survey conducted in 2020 by UNDP on MSMEs, covering Baghdad, Basra and Nineveh (where 20% of the nation’s MSMEs are located) found that only 1 percent of micro-enterprises held bank accounts, rising to 2.6 percent among small enterprises and 16 percent among medium enterprises, while 30 percent of enterprises had attempted but failed to obtain financing, and 55 percent showed reluctance to borrow4. To support SME’s access to finance, the Central Bank of Iraq initiated a “One Trillion Iraqi Dinars Initiative5” in 2014, but uptake was identified as low, partly related to the difficulty of finding bankable projects but also due to the lack of guarantee required by the banks from the MSMEs.Lack of business management skills and financial literacy, coupled with lack of access to credit and loan services, makes it even more complex for entrepreneurs and enterprises to startup businesses in Iraq. Furthermore, Iraq's private sector is characterized by high rates of informality and a decent work deficit.Iraq is characterized by a “demographic window of opportunity” with a very large young population and a working-age population growing at a higher rate than the overall population, but is currently unable to catalyse on this opportunity, as job creation is not keeping up with the growing size of the workforce6. The situation is considered a “jobs crisis of unprecedented proportions”7Despite all the above-mentioned challenges, the sector has enormous potential for growth and job creation if there is an enabling business environment for MSMEs. The ILO, having the expertise and experience globally, in the region and in Iraq, namely: building on its well-established business and financial management tools, and its previous agreement with the Central Bank of Iraq, aspires tocoordination and communication with policymakers, central and local authorities, other service providers and donors. The Steering Committee held one annual meeting to review project progress and capture lessons learned.How to applyTo apply for the job, please click on the provided link and follow the instructions on the website. Make sure to read the job description carefully before submitting your application. You may be asked to create an account.UNGM Link: RFQ/388/2026/MBA/ROAS / Request for Quotation for the Final Independent Project Evaluation for “Towards More and Better Employment through Enhanced Support to Private Sectors in Southern Iraq – with a Focus on Green Business”
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