Social Impact Assessment of Microfinance Programmes - weman

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Table - A. 5.2.9 Child Education [AKHUWAT] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall School Going Children % 89 91 89 89 School Going Children - Boys % 80 89 86 84 School Going Children - Girls % 72 62 75 72 Children going to Private School % 51 51 56 53 Monthly School Fee per Child 195 188 187 191 Tuition Fee per Child 76 95 58 72 Transport Fee per Child 21 24 28 24 Monthly Expenditure on Education 648 636 704 667 Figures are Averages Table - A. 5.2.10 Child Immunization [AKHUWAT] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall Complete Course 80.0 66.7 71.1 73.9 Incomplete Course 18.8 25.9 24.6 22.6 No Vaccination 1.2 7.4 4.4 3.5 Only for household having children less than 5 years Table - A. 5.2.11 Health Expenditure [AKHUWAT] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall Members reported illness (Last 30 days) 2 2 3 2 Monthly Expenditure on Health 544 431 1362 830 Figures are averages 27
Table - A. 5.2.12 Sources <strong>of</strong> Household Income [AKHUWAT] Respondent Category Overall Active Borrowers Pipeline Borrowers Non- Borrowers Income Per Capita 1531 1394 1420 1468 (%) Income from Main occupation 77 75 79 77 Secondary occupation 1 1 1 1 Other Earners 21 22 17 20 Pension 1 1 2 2 Inland Remittances 0 0 0 0 Overseas Remittances 0 0 0 0 Rental Income 0 0 0 0 Figures are averages Table - A. 5.2.13 Household Consumption Pattern [AKHUWAT] Respondent Category Overall Active Borrowers Pipeline Borrowers Non- Borrowers Expenditure Per Capita 1422 1378 1304 1373 Per Capita Food Expenditure 694 684 601 659 (%) Expenditure on FOOD 49 50 46 48 Education 6 5 6 6 Health 3 4 5 4 Electricity 8 8 9 8 Gas 4 3 4 4 Telephone 1 2 2 1 Rent 4 3 5 4 Travelling 4 4 4 4 Repayment <strong>of</strong> Loan 11 8 0 7 Saving 2 1 3 2 Consumption Last 30 days - Meat (days) 4 4 5 4 - Fruits (days) 4 5 6 5 - Eggs (days) 5 5 7 6 Figures are averages 28
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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
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Note: There are 237 and 273 respond
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orrowers spend less on education by
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Jewellery and livestock were genera
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Appendix Chapter 3 A 3.1.1 Institut
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A3.1.4 Organizational Structure Boa
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Table - A.3.2.4 Respondent Characte
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Table - A.3.2.9 Child Education [AS
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Table - A.3.2.14 Household Assets O
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Table - A.3.2.17 Women’s Empowerm
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Table - A.3.2.20 Women’s Empowerm
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Table - A.3.2.22 Borrowers - Loan A
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Table - A.3.2.27 Non-Borrowers’ P
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Chapter Four: Orangi Charitable Tru
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these, as many as 7,301 units are c
Page 87 and 88: • Loan for Livestock: OCT also su
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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
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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 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 129 and 130: Note: There are 160 and 180 respond
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: Table - A. 5.2.6 Housing Characteri
Page 141 and 142: Table - A. 5.2.16 Women’s Empower
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
Page 157 and 158: management reveal the significance
Page 159 and 160: have been chosen from ‘old/establ
Page 161 and 162: School Going Children - Boys % Acti
Page 163 and 164: The Difference in Differences (DID)
Page 165 and 166: Table 1: Regression results Young B
Page 167 and 168: • Participants were also not very
Page 169 and 170: Impact on Quality of Life & Social
Page 171 and 172: Appendix Chapter 6 A.6.1.1 Institut
Page 173 and 174: Sample Information [SAFWCO] Table -
Page 175 and 176: Table - A. 6.2.7 Housing Characteri
Page 177 and 178: Table - A. 6.2.12 Sources of Househ
Page 187 and 188: 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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Table - A. 7.2.6 Housing Characteri
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Monthly Expenditure on Health 1526
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Table - A. 7.2.16 Women’s Empower
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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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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. 8.2.6 Housing Characteri
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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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