Guidelines for Impact Monitoring & Assessment in Microfinance ...

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IMPACT MONITORING & ASSESSMENT IN MICROFINANCE PROGRAMMES In this context, we need to consider institutional performance in terms of its pertinence to meeting client needs and combating poverty. Do the services provided by the programme meet client needs? Have the objectives been satisfactorily met? If not, what corrections are necessary to ensure that interventions have positive impact on clients? 20 • In this context, we must check the following quality criteria at the client level: From the point of view of the programme, what impact is anticipated on the target group? • To what extent do activities and results contribute to intended impact and goals? • What impact do programme clients perceive, and how do perceptions differ according to the work sector and gender of the client? • To what extent do results correspond with the target population’s needs? • What do clients value about the programme (products, services)? • Which clients receive more benefit, which less, and why? On the basis of this operational model, we obtain findings at each level that you can use to adapt and improve interventions and become more effective. The findings should be integrated into existing project management activities. IM and IA incorporate frequent feedback loops in which analysis, planning and decision-making are repeatedly reassessed in light of experience gained. Our main goal is to institute IM as part of the on-going M&E framework in order to strengthen the internal management capacity of the implementing organisation. IM should be based on the principles of process monitoring. 9 9 GTZ/ NARMS (1996)
Table 1: The Programme Outcome Model 10 (Example: Village Bank) INPUTS Resources dedicated to or consumed by the programme Money Staff and their time Volunteers and their time Facilities Equipment and supplies ACTIVITIES What the programme does with the inputs to fulfil its mission(s) Supports the creation of a sustainable FI with credit delivery and savings facilities on the basis of the linkage banking approach Holds regular meetings Offers functional literacy courses Creates a network structure 10 The illustration is adapted from United Way (1999). OUTPUTS The direct products of programme activities RESULTS Number of clients/ members by gender Ratio of rural to urban clients % of total targeted clientele served to total population in the intervention area Number of active borrowers by gender Average outstanding loan portfolio (in % change from last year) Value of average savings account by gender INTRODUCTION OUTCOMES Net effects for participants during and after the programme IMPACT Short-term: Increased income Increased business skills Changed attitudes, values, know-how Medium-term: Modified behaviour Increased resource bases Long-term: Improved living conditions Altered status 21
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 and 14: STEP 4: Selection and adaptation of
Page 15 and 16: UNDERSTANDING IMPACT AND IMPACT MEA
Page 17 and 18: INTRODUCTION Impact involves econom
Page 19: INTRODUCTION similar, surrounding.
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
Page 65 and 66: Graphic 7: Vulnerability of Livelih
Page 67 and 68: OBJECTIVES ACTIVITIES RESPONSIBILIT
Page 69 and 70: 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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