Social Impact Assessment of Microfinance Programmes - weman

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Table - A. 4.2.16 Borrowers - Loan Amount Used by: [OCT] Borrowers Respondent Category Active Borrowers Pipeline Borrowers Total 81 29 110 73.6 26.4 100.0 Loan was used by: Self 100.0 100.0 100.0 Figures are column percentages except number of borrowers Table - A. 4.2.17 Borrowers - Loan Amount Used For: [OCT] Borrowers Loan was used for: Respondent Category Active Borrowers Pipeline Borrowers Total 81 29 110 73.6 26.4 100.0 Business Activity 92.6 93.1 92.7 Repayment of debts 1.2 .9 Consumption 6.2 6.9 6.4 Figures are row percentages except number of borrowers Table - A. 4.2.18 Borrowers’ Perceptions - Getting Loan [OCT] Number of Borrowers 81 Loan utilized for same purpose (%) 97 Loan sufficient (%) 100 Time Obtaining Loan (Months) 35 Expenditure incurred (Rs.) 309 Problems in Obtaining Loan (%) No Problem 80.2 Collateral 9.9 Picture Requirement 1.2 Delay in Payment 9.9 Requirement of Utility Bill 1.2 Complicated Procedures 2.5 Staff Bad Behaviour 2.5 Too many Meetings 2.5 Too many Documentations 3.7 Too many visits 1.2 Figures are averages 26
Table - A. 4.2.19 Borrowers’ Perceptions - Coping Strategy [OCT] Loan Taken One Two Three Four Five Six Overall Number of Borrowers 25 31 18 4 2 1 81 Sale of asset/Sale of Animals 16.0 6.5 11.1 9.9 Borrow loan from relative/friends 68.0 74.2 44.4 100.0 100.0 66.7 Borrow loan from Microfinance 12.9 11.1 7.4 Borrow loan from Commercial Banks 28.0 9.7 12.3 Borrow from Moneylender/Commission agent 3.2 1.2 Reduce Consumption Expenditure 3.2 16.7 4.9 Search for extra work 3.2 5.6 2.5 Extra hours in existing occupation 4.0 1.2 Have Enough Saving 12.0 16.1 27.8 100.0 17.3 Figures are column percentages except number of respondents * Multiple Response Questions May Exceed 100% Table - A. 4.2.20 Borrowers’ Perceptions - Impact [OCT] Loan Taken One Two Three Four Five Six Overall Number of Borrowers 25 31 18 4 2 1 81 Effect on quality of life Improved Deteriorated No Change 56.0 64.5 66.7 100.0 61.7 8.0 9.7 6.2 36.0 25.8 33.3 100.0 100.0 32.1 Family eat your fill As much as wanted (all types) 68.0 87.1 83.3 100.0 100.0 100.0 81.5 As much as wanted (not all types) 28.0 12.9 16.7 17.3 Sometimes felt hunger 4.0 1.2 Have more to eat now Have more to eat now 24.0 32.3 50.0 75.0 100.0 35.8 Have more to eat in earlier times 12.0 6.5 5.6 7.4 Equal 64.0 61.3 44.4 25.0 100.0 56.8 Family health Health is better now 20.0 32.3 38.9 75.0 30.9 Sustainable increase in income Health was better earlier 8.0 11.1 4.9 Equal 72.0 67.7 50.0 25.0 100.0 100.0 64.2 Yes 68.0 83.9 66.7 100.0 100.0 100.0 76.5 No 32.0 16.1 33.3 23.5 Figures are column percentages except number of respondents 27
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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
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undertake thorough research which e
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According to Asasah the only time a
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Figure 3.3 Funding Sources NGO 5% D
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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 and 100: mainly because they don’t have to
Page 101 and 102: Term/D uration Loan size improveme
Page 103 and 104: Table - A. 4.2.4 Respondent Charact
Page 105 and 106: Average Indebtedness 19300 6375 340
Page 107: Table - A. 4.2.14 Household Assets
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
Page 151 and 152: in the contextual needs of the comm
Page 153 and 154: 6.1.4.1 Products and Services Offer
Page 155 and 156: Other filters related to the specif
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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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Page is left intentionally blank Qu
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Appendix: Additional Codes ________
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Bibliography Carolyn Barnes and Jen
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