Individual Consultant for Credit Risk Advisor

6 months ago

Jakarta, Indonesia Global Green Growth Institute Full time

**INTRODUCTION TO GGGI**:
The Global Green Growth Institute (GGGI) is a treaty-based international, inter-governmental organization dedicated to supporting and promoting strong, inclusive and sustainable economic growth in developing countries and emerging economies. To learn more please visit about GGGI web page.

The Government of Indonesia (GoI) has committed to reducing GHG emissions through Nationally Determined Contributions (NDC) with an unconditional target by 29% independently and a conditional target by 41% by 2030, which will be achieved through energy, waste, industrial processes, and products use (IPPU), forestry, and agriculture. Currently, around 60% of Indonesia’s NDC commitments come from the forestry and land use sector (AFOLU). However, financing in the sustainable landscape sector is still limited even though around 30% of climate change solutions could be addressed from the forest, peatlands, and agriculture sectors.

Scaling up green financing and enabling tools for sustainable landscape and renewable energy project investments are crucial to achieving the country’s green objectives and targets. As a national environment financial institution, the Indonesia Environment Fund (IEF) has been established to support fundraising and fund disbursement, as well as a trustee for ten (10) line ministries, in particular the Ministry of Environment and Forestry (MoEF).

GGGI Investment Team focusing on leveraging sustainable landscape investment partnerships in Indonesia aims to enable, leverage, and invest in sustainable forestry natural capital contributing to Indonesia’s FOLU Net Sink goals. With green investment project is undergoing co-design phase, GGGI will continue to support MoEF and IEF to accelerate green investment in national and sub-national level.

To enhance and expand the range of financing services for social forestry actors, specifically 2,049,000 or at least 1,049,000 members of Social Forestry Business Groups (KUPS) who have obtained approval for forest utilization to carry out forestry and non-forestry-related activities, IEF will receive additional allocations for long-term non-permanent investments. The Reforestation Fund (Dana Reboisasi) is intended to support forest and land restoration through rehabilitation and sustainable forest management efforts, with a focus on empowering forest-dependent communities in accordance with the mandate of Presidential Regulation 23/2021 on Forest Management Implementation. The fund will be managed through the provision of a Revolving Fund Facility, administered by the Public Service Agency (BLU) of BPDLH.

GGGI supports IEF to expand the distributional effects of the Revolving Fund Facility for forestry businesses from small to large scale. The increasing needs in achieving the target of synergistic social forestry aligns with the demands of IEF's role and emission reduction through forest and green energy as well as community economic enhancement. Additionally, the support of financial and human resources for the allocation of funds is urgently needed by IEF.

**OBJECTIVES OF THE ASSIGNMENT**:
The individual consultant will provide technical assistance to IEF and the GGGI in assessing the creditworthiness of clients. He/S will advise to ensure the financial stability of local financial institutions such as cooperatives, credit unions, and other financial institutions, intermediary agencies as well as potential for targeted private companies to access for Revolving Fund Facility. In sum, the consultant will analyze financial data, evaluate risk, and support IEF’s informed credit decisions, all of which are crucial for minimizing potential losses and optimizing profitability.

The CRS will guide the CASS, DCAS and IACAS consultants.

Within the scope of the assignment, the Individual Consultant will provide consultancy services to strengthen IEF operations related to the ID24 project pipeline, as follows:

- Financial Analysis:

- Conduct comprehensive analysis of financial statements, credit reports, and other relevant data to assess the creditworthiness of individuals and businesses.
- Evaluate the financial health of borrowers by analyzing income, debt levels, liquidity, and other relevant financial indicators.
- Financial analysis will focus on potential borrowers from social forestry groups and forest dependent communities (including National Parks).
- Risk Assessment: Assess the risk associated with extending credit and make recommendations for credit approvals or rejections based on thorough risk analysis.
- Credit Reporting: Prepare detailed credit reports and summaries for both internal and external stakeholders to facilitate informed decision-making.
- Credit Exposure Management: Monitor and manage the credit exposure of existing borrowers by regularly reviewing financial statements and conducting periodic risk assessments.
- Industry Trends Monitoring: Stay updated on industry trends, economic indicators, and regulatory

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