Guidelines for Impact Monitoring & Assessment in Microfinance ...

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IMPACT MONITORING & ASSESSMENT IN MICROFINANCE PROGRAMMES two years, but has also drawn up the main parts of this study; Dr. Michael Hamp who has given a lot of conceptual input during the early stage of the survey, all other colleagues (special thanks to Dr. Brigitte Klein and Martina Wiedmaier), who have given their valuable comments throughout the study. Mrs. Laura Elser for patiently editing text and graphics, our project staff in Niger and Cote d’Ivoire as well as the numerous farmer women and farmers in both countries for making their precious time available. We hope that these guidelines contribute to improve on ongoing and future microfinance programmes which in turn should make the lives of their clients easier. 14
UNDERSTANDING IMPACT AND IMPACT MEASUREMENT What Does Impact Mean? INTRODUCTION Microfinance is complex; not only in terms of how to build viable and demand-oriented institutions, but also in terms of how to evaluate the implications of institutional structure in impact measurement. Let us now address the question of what impact means and why organizations should perform impact monitoring (IM) and impact assessment (IA). 7 Implementing Impact Monitoring and Assessment Means Dealing With Multiple Realities First, let us look at responses to the question ”What changes have you encountered in your daily life since becoming a member of your village bank?” which are drawn from impact studies in two microfinance programmes in rural Western Africa. 8 The responses vividly illustrate the wide range of direct programme outcomes that individuals perceive due to their association with an MFI. Most go beyond typical development goals. “What changes have you encountered in your daily life since becoming a member of the village bank/credit group?” → ”I can prepare better meals for my family.” → ”I went from being a day labourer to being self-employed.” → ”I don’t have to borrow from family members and friends to buy raw materi- als for my small business.” → ”I had to pay major medical expenses for my wife, but the loan allowed me to keep my business operating.” → ”Since I can support my family, my husband has withdrawn his financial support more and more.” → ”I take part in community life and have made new friends.” 7 The definitions given are related to practitioner-oriented IM and IA. Compare the discussion given in Sebstad (1998), a discussion paper prepared for the second virtual meeting of the CGAP Working Group on impact assessment methodologies. 8 AFEC: Associations Féminines d’Epargne et de Crédit: GTZ - PADER-NORD/Ivory Coast; and MUTEC: Mutuelles d’Epargne et de Crédit: GTZ - PMR-R.F.A./ Niger. 15
Page 1 and 2: Birgit Schäfer IMPACT MONITORING &
Page 3 and 4: IMPACT MONITORING & ASSESSMENT IN M
Page 5 and 6: Table of Contents IMPACT MONITORING
Page 7 and 8: Abbreviations IMPACT MONITORING & A
Page 9 and 10: Part 1: Introduction SCOPE by Rolan
Page 11 and 12: These Guidelines 5 : INTRODUCTION
Page 13: STEP 4: Selection and adaptation of
Page 17 and 18: INTRODUCTION Impact involves econom
Page 19 and 20: INTRODUCTION similar, surrounding.
Page 21 and 22: Table 1: The Programme Outcome Mode
Page 23 and 24: INTRODUCTION Graphic 2: Benchmarks
Page 25 and 26: INTRODUCTION The new office is sche
Page 27 and 28: Mediating Variables INTRODUCTION Fa
Page 29 and 30: INTRODUCTION conduct IM and IA. The
Page 31 and 32: INTRODUCTION enough flexibility to
Page 33 and 34: INTRODUCTION Quantitative impact mo
Page 35 and 36: And merge the findings of the two a
Page 37 and 38: CHARACTER- ISTICS INTRODUCTION QUAN
Page 39 and 40: INTRODUCTION analyse this data to d
Page 41 and 42: INTRODUCTION political dexterity an
Page 43 and 44: INTRODUCTION and evaluation systems
Page 45 and 46: INTRODUCTION Let us conclude with t
Page 47 and 48: Part 2: Implementation Steps 2.1 IN
Page 49 and 50: IMPLEMENTATION STEPS • Survey res
Page 51 and 52: OBJECTIVES ACTIVITIES RESPONSIBILIT
Page 53 and 54: QUESTIONS • How long has the prog
Page 55 and 56: Clientele: • duration of membersh
Page 57 and 58: IMPLEMENTATION STEPS MFI can calcul
Page 59 and 60: The Natural Environment IMPLEMENTAT
Page 61 and 62: ANALYSIS OF THE HOUSEHOLD LEVEL IMP
Page 63 and 64: Graphic 6: Household Socio-Economic
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Graphic 7: Vulnerability of Livelih
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OBJECTIVES ACTIVITIES RESPONSIBILIT
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IMPLEMENTATION STEPS ries of mutual
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IMPLEMENTATION STEPS Core Impact Hy
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Core Impact Hypotheses at the Enter
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IMPLEMENTATION STEPS Possible Negat
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IDENTIFICATION OF IMPACT INDICATORS
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IMPLEMENTATION STEPS figures are no
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Quality Criteria (II) IMPLEMENTATIO
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IMPLEMENTATION STEPS • Ordinal me
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CORE INDICATORS AT THE FAMILY/HOUSE
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IMPLEMENTATION STEPS CORE INDICATOR
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CORE INDICATORS AT COMMUNITY LEVEL
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APPLICATION OF SURVEY TOOLS IMPLEME
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IMPACT SURVEY IMPLEMENTATION STEPS
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IMPACT SURVEY IMPLEMENTATION STEPS
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IMPLEMENTATION STEPS TOOL 1: Impact
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12. Invested (major) in enterprise
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IMPLEMENTATION STEPS 51. Farm inven
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10 = Cash for emergencies 11 = Pock
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TOOL 2 CLIENT MONITORING SYSTEM IMP
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BALANCE SHEET IMPLEMENTATION STEPS
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Number of loan: ________________ DE
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Household Income ($) Household Expe
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TOOL 3 CLIENT EXIT INTERVIEW TYPE Q
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IMPLEMENTATION STEPS TOOL 3: Client
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IMPLEMENTATION STEPS TOOL 3: Client
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IMPLEMENTATION STEPS TOOL 4: CASE S
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IMPLEMENTATION STEPS TOOL 4: CASE S
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IMPLEMENTATION STEPS TOOL 5: Case S
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IMPLEMENTATION STEPS TOOL 5: Case S
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IMPLEMENTATION STEPS TOOL 6: Roundt
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OBJECTIVES STEP 5: DATA ANALYSIS IM
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• data collected • respondent o
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Open-code Responses IMPLEMENTATION
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Descriptive Analysis IMPLEMENTATION
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IMPLEMENTATION STEPS is to list all
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IMPLEMENTATION STEPS CEL. The probl
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Inferential Analysis IMPLEMENTATION
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IMPLEMENTATION STEPS Example 5: Is
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IMPLEMENTATION STEPS Example 7: Dis
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IMPLEMENTATION STEPS Example 1: Cli
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IMPLEMENTATION STEPS The next sever
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Village: Date: Note taker: Facilita
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Village: Date: Note taker: Facilita
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ANNEX 1: SOURCES AND FURTHER READIN
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ANNEX 1 - SOURCES AND FURTHER READI
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ANNEX 2 - RAPID APPRAISAL METHODS:
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ANNEX 3: INTERVIEW GUIDE 61 BASIC G
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ANNEX 4: SAMPLING METHODS 62 ANNEX
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Purposive Sampling ANNEX 4 - SAMPLI
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ANNEX 4 - SAMPLING METHODS ball sam
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ANNEX 4 - SAMPLING METHODS start wi
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