Social Impact Assessment of Microfinance Programmes - weman

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Appendix Chapter 4 A.4.1.1 Institutional Snapshot Indicators December 2006 Active borrowers (direct) 1264 Active Borrowers (through NGOs) 11, 922 Branches 1 Affiliate/Partner Organizations 47 Area covered (Direct) Orangi, Karachi Area/Districts Covered through Partners 421 across Pakistan Total disbursements(Rs.) 436,084,838 Account officers (loan officers) 30 Total employees 16 core, 30 Loan agents Employee turnover (%) n/a Borrowers per staff 218 Borrowers per Loan officer n/a Total income(Rs.) 225, 064, 811 Total Assets (Rs.) 111,795,442.2 Capital/Asset ratio 67.47% Operational self-sufficiency (%) 168.03 Financial Self-sufficiency (%) 35 † Return on Assets (%) 8.01 Return on Equity (%) 11.28 Portfolio yield (%) 22.40 Average Loan Balance per Borrower Rs. 14000 Operating expense/Loan Portfolio 3.7% Portfolio at risk (>30 days) (%) 0.00% Cost per borrower 23.5% A.4.1.2 Product Profile Loan Product Purpos e Manufactur ing Loans Income Generation Trading Loans Income Generation Services Loans Income generation School loans Physical Infrastruct ure developm ent and training Farming and Fisher folk loans Income generation Loans for Thallawal as Income generation Skills building and infrastructu re Loan for Clinics Up gradation of physical and technologi Livestock loans Income generation † Source: PMN 2003 Performance Indicators. Recent estimates not available. 18
Term/D uration Loan size improveme cal nt facilities 15 months 15 months 15months 15months 15 months Rs.2000 - Rs.50,000 Rs.2000 - 50000 Rs 2000- .50,000 Rs.2000 - 50000 Rs.2000 - 50,000 Rs.2000 – Rs 50000 Rs.2000- 50,000 Rs.2000 - 50000 Interest rate Repay ment term 18% 18% 18% 18% Smaller loans have no service charges 18% 18% 18% 18% Monthly Monthly Monthly Monthly Monthly Monthly Monthly Savings - - - - - Insuran 1% of loan 1% of loan 1% of 1% of loan ce loan A.4.1.3 Structure of Microcredit Programme CEO Loan Section Accounts Section Recovery officer Training Officer Loan Officer (01) Loan Manager (04) Assistant Agents Accounts Officer Accountant Computer Consultant Computer Officer Assistant Trainers 19
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Social Impact Assessment of Microfi
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indicators which are more difficult
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• Since Asasah has been in operat
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Akhuwat • Akhuwat was established
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and economic change in their surrou
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development. NRSP's mandate is to h
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Kashf Urban Poverty Alleviation Pro
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clients’ amounts to Rs.5.6 millio
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Pakistan, Official Poverty Line - R
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Contents Executive Summary Acknowle
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7.5 UPAP Survey Results 7.6 UPAP Re
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microfinance operations. This ordin
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and not other services such as savi
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elow. While we examined the traditi
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Ideally, baseline studies and panel
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members of these organizations are
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Microfinance Branch District/City I
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factor. For this survey, the sample
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loans and might have increased cons
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Chapter Three: Asasah 3.1 Instituti
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insufficient resources. Furthermore
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Figure 3.1: Asasah’s Target Marke
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for SBF, two in Lahore and one in K
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to Regional Managers as the organiz
Page 49 and 50: undertake thorough research which e
Page 51 and 52: According to Asasah the only time a
Page 53 and 54: Figure 3.3 Funding Sources NGO 5% D
Page 55 and 56: Borrower’, is that client who has
Page 57 and 58: Note: There are 237 and 273 respond
Page 61 and 62: orrowers spend less on education by
Page 63 and 64: Jewellery and livestock were genera
Page 65 and 66: Appendix Chapter 3 A 3.1.1 Institut
Page 67 and 68: A3.1.4 Organizational Structure Boa
Page 69 and 70: Table - A.3.2.4 Respondent Characte
Page 71 and 72: Table - A.3.2.9 Child Education [AS
Page 73 and 74: Table - A.3.2.14 Household Assets O
Page 75 and 76: Table - A.3.2.17 Women’s Empowerm
Page 77 and 78: Table - A.3.2.20 Women’s Empowerm
Page 79 and 80: Table - A.3.2.22 Borrowers - Loan A
Page 81 and 82: Table - A.3.2.27 Non-Borrowers’ P
Page 83 and 84: Chapter Four: Orangi Charitable Tru
Page 85 and 86: these, as many as 7,301 units are c
Page 87 and 88: • Loan for Livestock: OCT also su
Page 89 and 90: guarantees of two local entrepreneu
Page 91 and 92: CEBEMO, a Dutch funding agency, has
Page 93 and 94: MFIs claim. Hence, its criteria and
Page 95 and 96: Table - 4.4 OCT - Household Assets
Page 97 and 98: difference, we found that active bo
Page 99: mainly because they don’t have to
Page 103 and 104: Table - A. 4.2.4 Respondent Charact
Page 105 and 106: Average Indebtedness 19300 6375 340
Page 107 and 108: Table - A. 4.2.14 Household Assets
Page 109 and 110: Table - A. 4.2.19 Borrowers’ Perc
Page 111 and 112: Table - A. 4.2.23 Non-Borrowers’
Page 113 and 114: which also became the head office.
Page 115 and 116: problem of group lending is that me
Page 117 and 118: uy insurance, which covers the risk
Page 119 and 120: activities with other NGOs and Soci
Page 121 and 122: 5.1.5.3 Policy Environment As Akhuw
Page 123 and 124: are also working on a marketing pla
Page 125 and 126: We first discuss results based on t
Page 127 and 128: New and Non- Borrowers 506072.7273
Page 131 and 132: From these results we can judge tha
Page 133 and 134: Appendix Chapter 5 A 5..11 Institut
Page 135 and 136: Table - 5.4.2.1 Sample Information
Page 137 and 138: Table - A. 5.2.6 Housing Characteri
Page 139 and 140: Table - A. 5.2.12 Sources of Househ
Page 141 and 142: Table - A. 5.2.16 Women’s Empower
Page 147 and 148: Table - A. 5.2.25 Borrowers’ Perc
Page 149 and 150: Table - A. 5.2.29 Non-Borrower’s
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in the contextual needs of the comm
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6.1.4.1 Products and Services Offer
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Other filters related to the specif
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management reveal the significance
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have been chosen from ‘old/establ
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School Going Children - Boys % Acti
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The Difference in Differences (DID)
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Table 1: Regression results Young B
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• Participants were also not very
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Impact on Quality of Life & Social
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Appendix Chapter 6 A.6.1.1 Institut
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Sample Information [SAFWCO] Table -
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Table - A. 6.2.7 Housing Characteri
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Table - A. 6.2.12 Sources of Househ
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Table - A. 6.2.16 Women’s Empower
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Table - A. 6.2.25 Borrowers’ Perc
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Table - A. 6.2.29 Non-Borrowers’
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incremental growth, it is emerging
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the purpose of the organization and
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Group loans are meant specifically
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Officer. If the Field Worker and Cr
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The worker’s degree of mobility d
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credit is disbursed to another woma
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Borrowers Houses with RCC Roof Acti
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Own House Active Borrowers 98.4568
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A Single Difference equation is als
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Table 7.6: Regression results Young
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Table - 7.8 UPAP - Economic Status
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Table - 7.10 UPAP - Household Asset
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Y ij = X ij α + C ij β + M ij γ
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Table 1: Regression results Young B
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to consider young unmarried clients
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influentials and people understand
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Client Profile Most of the women in
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Appendix Chapter 7 Appendix A.7.1 N
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Appendix A.7.2 Results from NRSP Su
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Monthly Expenditure on Health 1526
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Do you operate Bank account in your
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Spouse without your suggestion .6 3
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No 17.6 14.1 20.3 9.6 16.7 100.0 15
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Appendix A.7.3 UPAP Institutional B
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Table - A.7. 4.4 Respondent Charact
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Table - A.7. 4.9 Child Education [U
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Table - A.7. 4.14 Household Assets
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Table - A.7. 4.17 Women’s Empower
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Table - A.7. 4.20 Women’s Empower
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Table - A.7. 4.23 Borrowers - Loan
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Table - A.7. 4.27 Non-Borrower’s
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Chapter Eight: Kashf 8.1 Institutio
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were introduced at several levels a
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Box 8.1 Kashf’s Core Values Servi
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issues are in the social theme book
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usiness address, attest to experien
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the learning centre has been set up
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development and undertaken market s
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information has not been integrated
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Table 8. 2 Financing Sources: Septe
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We first discuss results based on t
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Note: There are 239 and 271 respond
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Table - 8.7 KASHF - Business Charac
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The results from the estimation of
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A total of three focus group discus
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The positive impact of the credit w
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Appendix Chapter 8 A.8.1.1 Institut
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54 Jawarian R 55 Behra R 56 Sahiwal
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A.8.1.5: GESA Activities Initiative
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Table - A.8.2.1 Sample Information
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Table - A. 8.2.12 Sources of Househ
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Table - A. 8.2.22 Borrowers - Loan
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Table - A. 8.2.27 Non-Borrowers’
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Chapter Nine: Conclusions For anyon
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are necessary for impact to take pl
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Another finding from the survey sug
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of the microfinance sector in Pakis
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Section 1 - IDENTIFICATION File:
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1.9 Occupation - Primary __________
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Section 4a - All Respondents File:
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Section 4b - All Respondents File:
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Section 5b - All Respondents File:
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Section 7 - Only for Non-Agricultur
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8) Do you regularly pay the loan in
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Section 9 - All Respondents File:
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10.2 Had you wanted to join a progr
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11.7 Business Assets Business Asset
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Section 14 - All Respondents File:
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Section 16,17,18 - All Respondents
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17.2 [If Yes in 17.1], Why you did
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Section 19 - Only for Female Respon
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19.8 Who in your household decides
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Section 20a - Only for Agricultural
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Section 20b - Only for Agricultural
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Appendix: Additional Codes ________
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Bibliography Carolyn Barnes and Jen
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