Social Impact Assessment of Microfinance Programmes - weman

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Table - A. 6.2.4 Respondent Characteristics - Nature of Business [SAFWCO] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 241 85 179 505 47.7 16.8 35.4 100.0 Business (Retail Shops with fixed outlet) 40.7 44.7 39.7 41.0 Personal Community Service Providers 10.4 11.8 30.2 17.6 Technical Service Provider .4 1.2 2.8 1.4 Transport Service Provider 2.5 8.2 .6 2.8 Agriculture – Crop Production 12.0 3.5 16.2 12.1 Livestock Management 34.0 30.6 10.6 25.1 Table - A. 6.2.5 Household Demography [SAFWCO] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 241 85 179 505 47.7 16.8 35.4 100.0 Family Size 1-3 Person 7.9 5.9 6.1 6.9 4-6 Person 32.8 22.4 27.4 29.1 7-9 Person 30.3 41.2 34.1 33.5 More than 9 29.0 30.6 32.4 30.5 Average Family Size 8 8 9 8 Dependency Ratio 116.92 110.11 119.83 116.81 Table - A. 6.2.6 Housing Characteristics - Quality [SAFWCO] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 241 85 179 505 47.7 16.8 35.4 100.0 House owners 97.1 96.5 97.2 97.0 Person per room 4.39 4.47 4.53 4.45 Houses with baked bricks 70.1 75.3 64.2 68.9 Houses with RCC Roof 3.3 3.4 2.8 Houses with Cemented Floor 39.0 49.4 31.8 38.2 25
Table - A. 6.2.7 Housing Characteristics - Services [SAFWCO] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 241 85 179 505 47.7 16.8 35.4 100.0 Houses with telephone 8.7 8.2 14.0 10.5 Houses with electricity 95.9 96.5 96.6 96.2 Houses using gas for cooking 40.7 31.8 29.6 35.2 Houses using flush system 53.5 48.2 46.4 50.1 Table - A. 6.2.8 Household Economic Status [SAFWCO] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 241 85 179 505 47.7 16.8 35.4 100.0 Income Per Capita 1460 1224 1190 1325 Expenditure Per Capita 897 839 794 851 Per Capita Food Expenditure 423 404 427 421 Poor Households (% below Official Poverty Line) 62 68 74 67 Household Asset Score 6 6 6 6 Value of household assets 673114 499518 573677 608521 Average Indebtedness 18348 38333 38357 29425 The Official Poverty Line figure is Rs 1,000 per capita per month – see Montgomery (2006) Table - A. 6.2.9 Child Education [SAFWCO] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall School Going Children % 79 80 86 81 School Going Children - Boys % 83 81 88 84 School Going Children - Girls % 56 54 57 56 Children going to Private School % 16 16 13 15 Monthly School Fee per Child 25 16 16 20 Tuition Fee per Child 8 6 2 5 Transport Fee per Child 7 26 6 10 26
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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’
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which also became the head office.
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problem of group lending is that me
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uy insurance, which covers the risk
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activities with other NGOs and Soci
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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
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: Sample Information [SAFWCO] Table -
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
Page 191 and 192: the purpose of the organization and
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
Page 199 and 200: credit is disbursed to another woma
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
Page 214 and 215: Y ij = X ij α + C ij β + M ij γ
Page 216 and 217: Table 1: Regression results Young B
Page 218 and 219: to consider young unmarried clients
Page 220 and 221: influentials and people understand
Page 222 and 223: 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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