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Libya Cash & Markets WG - Cash Delivery Mechanism Assessment for Refugees, Migrants and Asylum Seekers in Libya

Subject/Objective: 
This assessment aims at taking stock of the different cash delivery mechanisms available for transferring cash to vulnerable populations inside Libya, with specific focus on refugees, migrants and asylum seekers. Conducted by ACTED, IRC and MC, the assessment aims to fill the information gap related to opportunities and risks associated with different mechanisms of cash delivery. This effort contributes to a broader feasibility study, coordinated by the Libya Cash and Markets Working Group, that is intended to identify potential opportunities,assess the appropriateness of cash transfer programmes (CTPs) in country and identify potential opportunities,to implement such programmes.To fill the information gap related to opportunities and risks associated with cash delivery modalities in Libya, and to improve the effectiveness of the CTPs supporting migrants, refugees and asylum seekers, ACTED, IRC, and MC conducted a rapid cash delivery mechanism assessment in the country.Through a combination of desk review, key informant interviews and focus group discussions, the assessment team identified and evaluated a number of different cash delivery options.The assessment focused on the main urban hubs: Tripoli, Misrata,SabhaandBenghazi. Those locations remain the principal hosting areas for settled migrants, refugees and asylum seekers.
Methodology: 
This assessment was conducted over a four weeks period in August 2017 and involved five team members from Mercy Corps and ACTED, led by a Libyan CSO –Moomkeen Organization. Following a desk review and briefing meetings with the Mercy Corps team, in-depth service provider capacity assessments were conducted with three different providers in Tripoli, including Masarat (offering Branchless Banking and Mobile Money), Moamalat (offering debit cards, prepaid cards and Hawalas) and Tadawul (offering prepaid cards). Questionnaires were prepared with the support of Mercy Corps’ financial inclusion specialist. To better understand the perspective of the likely target population of future CTPs in Libya, two focus group discussions were held in Tripoli, one each for men and women. Finally, semi-structured interviews were conducted with representatives from CESVI and IMC, to ask about their agencies’ experiences implementing CTPs in Libya.The consultant compiled data and shared it with a team of Mercy Corps and IRC staff for comment. Data analysis and report writing was led by Mercy Corps’ Libya team with input from IRC.Because of the difficult security situation in Libya, the agencies commissioning the assessment had limited oversight of the assessment implementation. Though there were some gaps in the dataset that was eventually provided to the commissioning agencies(e.g., limited data from the perspective of the target population), because of time constraints, it was unfortunately not possible to fill in information MERCY CORPS Cash Delivery Mechanism Assessment -September 20175 gaps. In addition, because of the difficult security context, all data collection occurred in Tripoli. While some interview questions asked about the availability and function of financial service providers in the other geographic areas of interest, the responses were not cross-checked. Finally, because the consultant was hired to collect data and not to also complete the analysis and reporting processes, the report writers faced some challenges in analysing and interpreting the dataset provided. This report therefore presents only the key messages that jumped out from the data quite clearly and does not represent an exhaustive analysis of all data gathered. Additional data gathered is provided in the annexes to this report.
Key findings: 
-Refugees, asylum seekers and migrants legally residing in Libya consider a Cash Based Response to be a viable solution to increase access to basic goods and services; -There is a strong perception that scaling up cash in hand might increase safety-related risks for beneficiaries; -Tripoli, Misrata, and Benghazi present peculiarities in terms of cash delivery mechanisms, that would avoid the use of physical cash; -Use of electronic payments is progressively increasing all across the country;-Private companies are collaborating with commercial and public banks to increase access to electronic;-Vendors are thought to increase prices of goods and services when purchases take place through electronic transactions;-Financial service providers are scaling up products for people who don’t have access to banking systems;
Assessment Report: 
Publicly Available
Assessment Data: 
Publicly Available
Contact(s): 
Charlie Rapoport
rapop@unhcr.org
Webspace(s): 
Assessment Date(s): 
01 Aug 2017 to 31 Aug 2017
Status: 
Report completed
Collection Method(s): 
Mixed
Population Type(s): 
Displaced population
Refugees
Cluster(s)/Sector(s): 
Leading/Coordinating Organization(s): 
START Network
Participating Organization(s): 
Mercy Corps
International Rescue Committee
Agency for Technical Cooperation and Development
Location(s): 
Libya
Theme(s): 
Cash Transfer Programming