Financial Training Consultant for Smallholders Farmers

Anera Background:
Since 1968, Anera has helped refugees and others hurt by conflicts in Palestine, Lebanon and Jordan live
with purpose and hope.
Anera, which has no political or religious affiliation, works on the ground with partners in Palestine (West
Bank and Gaza), Lebanon and Jordan. We mobilize resources for immediate emergency relief and for
sustainable, long-term health, education, and economic development. Our staff serve in their
communities, navigating the politics that constrict progress to get help where it’s needed most.
That’s how Anera received more than $219 million in support of programs in 2024 alone, and it’s how we
will keep building better lives until hope finds its way in the Middle East.

Objective of the Service:
Smallholder farmers play a crucial role in local and national food systems, yet many struggle with financial
management, record keeping, and sustainable business practices. Without foundational skills in budgeting, financial
tracking, and business planning, farmers remain vulnerable to market fluctuations, poor cash flow management, and
limited access to finance.

This assignment seeks to engage a qualified trainer to equip farmers with practical skills in basic budgeting and
record keeping, and to support them in refining their business models towards economic sustainability.

To improve the financial management capabilities of 38 smallholder farmers by:

• Providing hands-on training in basic budgeting and record keeping.
• Guiding farmers in reviewing and enhancing their business models.
• Enabling farmers to make informed financial decisions and improve the profitability and resilience of their farming business model.

Scope of Service:
The trainer will be responsible for the following key activities:
a) Training Delivery

• Develop a simple, practical training curriculum on basic budgeting and record keeping tailored to smallholder farmers (low literacy, no prior accounting knowledge).
• Topics to include:
  • Why keep records?
  • Daily/weekly/monthly expense tracking.
  • Simple budgeting for seasonal inputs and household needs.
  • Difference between profit and revenue.
  • Basic cash flow management.
• Use participatory methods, local language, and real-life examples from farming.

b) Business Model Coaching

Conduct one-on-one or small-group sessions with farmers to:

• Understand existing business model of farmers and their income streams.
• Identify strengths, weaknesses, and opportunities in their current model.
• Introduce the concept of a “sustainable business model” in farming context.
• Support farmers in creating a simple business improvement plan.

c)Materials Development

Prepare easy-to-use tools:

• Visual record-keeping templates (paper-based or basic digital if applicable).
• Budget planners.
• Checklist for business sustainability indicators (e.g., savings, reinvestment, diversification).

d) Mentoring and Follow-up

• Provide post-training support for at least 2 follow-up visits/check-ins per farmer to address challenges in implementation.
• Assist farmers in setting and tracking simple financial goals.

Key Deliverables:

1. Training curriculum and session plans.
2. Farmers’ record-keeping and budgeting toolkit (in local language, illustrated).
3. Training of 38 farmers in basic financial literacy.
4. Business model review reports for each participating farmer.
5. Final report with recommendations for scaling the approach.

Interested consultants should submit:

1. CV with relevant experience.
2. Filled Annex A (Attached). NB: Number of Days should not exceed the 40 days.
3. Sample training materials (if available).

Timeframe and Reporting:

• Timeline: March 2026 – June 2026 (up to 40 days).
• Location:
  • South: Deir ames , Sidikin, Al Hmayre, Borj Rahal.
  • Bekaa: Ein Kfarzabad, Ali Nahri, Rashaya, Kefraya and Jeb Jennine.
• Training sessions: To be scheduled in coordination with farming cycles.

Qualifications and Competencies:

• Proven experience in financial literacy training for rural communities, preferably farmers.
• Strong knowledge of basic bookkeeping, budgeting, and small business development.
• Experience in agricultural value chains or farm business advisory services.
• Ability to simplify financial concepts and use participatory training methods.
• Fluency in local language(s).
• Patient, respectful, and able to work in low-resource settings.

Equal Employment Opportunity
Anera strives to be an equal opportunity employer and does not discriminate in employment on the basis
of race, color, creed, political or national views or background, ethnicity, religion, age, handicap, sex, or
any other factor unrelated to ability to perform the required work. Anera does give strong preference in
employing Lebanese, Palestinian, or other resident Arab nationals (other than for the country director
position and internships). In all cases, recruitment decisions are first and foremost based on merit and
qualifications. Anera holds local project institutions to the same standards.

Code of Conduct
Anera is committed to conducting its operations with the highest standards of honesty, integrity, and
professionalism across all contexts in which we work. We strive to deliver high-quality services and maintain a reputation built on fairness, respect, responsibility, and sound judgment. All employees,
managers, officers, and representatives are expected to uphold these standards at all times and act per
their duty of loyalty to Anera. No individual may misrepresent the organization or speak on its behalf
without proper authorization. Confidential and sensitive information—including financial data, strategic
plans, or information related to partners and beneficiaries—must be handled with the utmost discretion
and only shared on a need-to-know basis, in line with Anera’s confidentiality and privacy policies. Any
violation of the Code of Conduct may result in disciplinary action, up to and including termination. The
level of disciplinary response may take into account whether the violation was self-reported and whether
the individual cooperated in the investigation process.

Our values
We are inspired: We are committed to energize, engage, and motivate others to forge the best
outcomes for the diverse communities we serve.
We are people-centric: We are respectful and empathetic. We believe that each person, no matter their
circumstances, embodies promise and has the power to shape the lives of their community and world.
We are collaborative: Teamwork and collaborative action are at the heart of how we do our work and
deliver results.
We are versatile: In a region burdened by obstacles, we make the right connections to find a way and
bring can-do, innovative approaches to everything we do.
We are impactful: We make a lasting difference in the lives of those we serve by delivering impactful
solutions at the local community level.
We are accountable: Our words, actions and results stay true to our mission and values.