Social Impact Assessment of Microfinance Programmes - weman

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espondent’s education level. The rural dummy had a negative effect on all outcomes, while respondent’s education had a positive effect on all variables. 15
Table 1: Regression results Young Borrowers Old Borrow Single Difference Double Difference Single Difference Do Dependent Variable Coefficient t-value 1 Coefficient t-value Coefficient t-value Co Log(Respondent Income) 0.001 0.01 0.15 0.84 -0.27 -1.66 Log(Household Income) -0.10 -1.04 -0.03 -0.26 0.002 0.02 Log(Per Capita Income) -0.20 -0.19 0.03 0.21 0.13 1.25 Log(Total Household Expenditure) -0.06 -0.95 -0.02 -0.24 -0.03 -0.55 Log(Food Expenditure) -0.08 -1.15 -0.04 -0.38 -0.02 -0.32 Educational Expenditure -40.43 -0.65 50.20 0.62 -137.60 -2.66 *** Health Expenditure 2.14 0.05 25.10 0.34 -65.50 -1.34 Savings 108.20 0.73 63.77 0.34 297.20 1.87 ** Asset Score -0.29 -0.81 0.48 0.89 0.03 0.08 Children Enrolled in School(%) -5.49 -0.93 1.52 0.17 -9.90 -1.53 Boys Enrolled in School(%) -5.60 -0.86 -5.78 -0.60 -7.10 -0.98 Girls Enrolled in School(%) -1.55 -0.26 11.76 1.39 -6.30 -1.02 Women's Empowerment (Overall Index) 2 2.09 0.60 6.13 1.43 6.10 1.79 * Economic Empowerment 0.76 0.58 1.47 0.89 1.95 1.51 Income Empowerment 0.79 1.71 * 1.50 2.38 ** 1.45 3.32 *** Asset Empowerment 0.12 0.26 0.96 1.66 0.36 0.85 Empowerment related with Education and Health 0.61 0.73 1.69 1.62 1.61 2.00 ** Social Empowerment -0.19 -0.27 0.53 0.62 0.77 1.07 1 Significant at 10%(*), Significant at 5%(**), Significant at 1% (***) 2 Score based on 47 questions, the other idices listed below are a breakdown of this index. Refer to questionnaire for detail. Note: Young Borrowers are clients who have taken two loans or less and Old borrowers are those who have taken between 3 to 5 loans. 6.4 Focus Group Discussions This section discusses the client feedback of microfinance institutions and the various coping mechanisms at the local level in terms of financial transactions. Information has been gathered primarily through Focus Group Discussions with beneficiary groups in randomly selected programme localities. Some additional information has also been gathered through discussions with the respective programmes’ field and programme staff. 6.4.1 Focus Group Discussions – Bhit Shah Urban Group Composition: • Focus group discussions were arranged with SAFWCO’s clients and non-clients from Bhit Shah Urban. • A total of 15 people participated in the discussion out of which 9 were women. Discussions were conducted in small groups separately for men and women to ensure open and candid responses. • Interviews with only female non clients could not be arranged.
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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
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• Loan for Livestock: OCT also su
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guarantees of two local entrepreneu
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CEBEMO, a Dutch funding agency, has
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MFIs claim. Hence, its criteria and
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Table - 4.4 OCT - Household Assets
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difference, we found that active bo
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mainly because they don’t have to
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Term/D uration Loan size improveme
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Table - A. 4.2.4 Respondent Charact
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Average Indebtedness 19300 6375 340
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Table - A. 4.2.14 Household Assets
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Table - A. 4.2.19 Borrowers’ Perc
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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 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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Page 159 and 160: have been chosen from ‘old/establ
Page 161 and 162: School Going Children - Boys % Acti
Page 163: The Difference in Differences (DID)
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 185 and 186: Table - A. 6.2.25 Borrowers’ Perc
Page 187 and 188: Table - A. 6.2.29 Non-Borrowers’
Page 189 and 190: incremental growth, it is emerging
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Page 193 and 194: Group loans are meant specifically
Page 195 and 196: Officer. If the Field Worker and Cr
Page 197 and 198: The worker’s degree of mobility d
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Page 201 and 202: Borrowers Houses with RCC Roof Acti
Page 203 and 204: Own House Active Borrowers 98.4568
Page 205 and 206: A Single Difference equation is als
Page 208 and 209: Table 7.6: Regression results Young
Page 210 and 211: Table - 7.8 UPAP - Economic Status
Page 212 and 213: 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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