Social Impact Assessment of Microfinance Programmes - weman

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.