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Social Impact Assessment of Microfinance Programmes - weman

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credit is disbursed to another woman. Usually, in each weekly meeting the credit is<br />

disbursed to the next member.<br />

Individual:<br />

Any micro level manufacturer living only where UPAP’s settlement <strong>of</strong>fice does not exist,<br />

can take credit on the personal guarantee <strong>of</strong> an honest and competent client <strong>of</strong> UPAP.<br />

UPAP Programme Monitoring<br />

UPAP has developed an efficient monitoring system. Its MIS developed in Oracle<br />

generates a number <strong>of</strong> reports revealing both disbursement and recovery positions on a<br />

daily and monthly basis. Monthly staff meetings and daily diaries are a regular feature <strong>of</strong><br />

UPAP’s monitoring system. These practices help bring the staff on the same wavelength<br />

regarding programme issues.<br />

7.3 NRSP Survey Results<br />

In this section we present the results from our survey for NRSP. The results are based on<br />

the data collected on the basis <strong>of</strong> the questionnaire – see Appendix at the end <strong>of</strong> the<br />

Report. A select few <strong>of</strong> the results are presented here in table form, in the main text <strong>of</strong><br />

this Chapter, while the substantial majority <strong>of</strong> tables are presented in the Appendix to the<br />

Chapter. The Appendix to this Chapter contains the largely ‘descriptive’ tables and<br />

results, while the tables which are part <strong>of</strong> the text in this Chapter, are the more<br />

‘analytical’ tables. In the Appendix to this Chapter, there are far more tables than those<br />

on which we <strong>of</strong>fer comments in the text. Many <strong>of</strong> these tables are simply informative and<br />

so we do not discuss them in the Chapter. They are being provided for the reader’s own<br />

interest and perusal. Only the more interesting, striking or pertinent results and tables<br />

from the Appendix are discussed in the text.<br />

As we show in Chapter 2, the survey was conducted across four types <strong>of</strong> populations for<br />

the purposes <strong>of</strong> the Study. Two <strong>of</strong> the categories are ‘clients’ or ‘borrowers’, while the<br />

other two are ‘non-clients’. In the borrower/client category, there are two types <strong>of</strong> clients,<br />

the ‘Active Borrowers’ and the ‘Pipeline Borrowers’. The former category that <strong>of</strong> ‘Active<br />

Borrower’, is that client who has been in the programme <strong>of</strong> the MFI for longer than ten<br />

months; s/he may have been a client for some years in their nth loan cycle or may have<br />

even been a client in their first year. ‘Pipeline Borrowers’ are classified as those new<br />

clients who had joined the programme <strong>of</strong> the MFI a few months – usually between 1-4<br />

months – <strong>of</strong> the start <strong>of</strong> our survey. There are also two categories <strong>of</strong> ‘Non-Borrowers’,<br />

one which are selected from the neighbourhood <strong>of</strong> the old Active Borrowers, and the<br />

other from the neighbourhood <strong>of</strong> Pipeline Borrowers. Ideally, and in the best case<br />

possible, the Active Borrower and the Pipeline Borrower (and their neighbours) should<br />

have been chosen from ‘old/established’ areas where the MFI has been working for some<br />

years, and ‘new’ areas where they are about to enter and identify and enlist clients.<br />

However, in many cases this was not possible since most MFIs did not have exclusively<br />

‘new’ areas identified, and we were forced to take Active Borrowers and Pipeline<br />

Borrowers, and both sets <strong>of</strong> their neighbours, from the same locality/area. Nevertheless,<br />

this does not undermine our results which are presented in this Section. In some cases we<br />

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