Voices from the Frontlines: - Freedom from Hunger

for the same time period as this research project, so we capitalized on the opportunity to expand the
questioning to their relationship with their credit officer.
In total, as seen in Table 2, below, we completed 49 impact stories, 13 client FGDs, 85 credit officer
interviews, 8 credit officer FGDs, 28 supervisor interviews and 10 health-provider interviews across
the five partner organizations. The ten health-provider interviews were only conducted at CRECER;
the purpose of adding these interviews here was because CRECER has a program that links and
refers its clients to local healthcare providers. We interviewed healthcare providers to see how much
“collaborative spirit” exists between credit officers and other types of credit officers as well to see
what collaboration outside of the financial services space looks like.
Table 2: Voices from the Frontlines Methods
CRECER
BOLIVIA
ALSOL
MEXICO
PRISMA
PERU
FINCA
PERU
CONFIANZA
PERU TOTAL
Client Impact Stories 12 37 0 0 0 49
Client FGDs 7 6 0 2 2 3 13
Credit Officer Interviews 41 9 8 11 16 85
Credit Officer FGDs 6 0 0 1 1 8
Supervisor Interviews 18 4 3 3 4 28
Health-Provider Interviews 10 0 0 0 0 10
While efforts were made to ensure a representation of partners’ credit officers in the interviews, the
interviews were conducted using opportunistic sampling. Time spent with each partner was often
one to two weeks, maximum, and credit officers who were able to participate in the interviews did.
However, in some cases, such as with FINCA, PRISMA and Confianza, we interviewed most of
their credit officers participating in the Credit with Education program. This was one reason why we
asked some credit officers to fill out the questionnaire—so we could ensure more representation,
even when time was limited. We tried to schedule most interviews on days when the credit officers
were likely in the office for staff meetings. It was during these meetings that individual interviews
and FGDs were completed. Generally, all supervisors associated with the interviewed credit officers
were included. Client FGDs were conducted opportunistically as well, so that we could assess what
we could actually learn in a discussion related directly to their credit officer. Because of CRECER’s
size as an institution, we chose four of their nine regional offices. We chose four that would give us
a range of perspectives: urban and rural, older programs compared to newer programs, and
significant geographic and cultural differences.
We used FGDs and individual interviews with both credit officers and clients as a way to both be
efficient with our time and to look into questions of methodology. In some cases, because of time
constraints or schedules, FGDs with credit officers were conducted instead of individual interviews.
But use of the FGD and the individual interview also was meant to help us understand how credit
officers might respond to the questions in an FGD versus an individual interview. In some cases, we
hypothesized that credit officers participating in an FGD would participate more fully because the
7 Most FGDs, for clients and credit officers, were small, with approximately two to five participants.
Voices from the Frontlines 7