Social Impact Assessment of Microfinance Programmes - weman

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Chapter Five: Akhuwat 5.1 Institutional Review 5.1.1 Background and History 5.1.2 Organizational Structure 5.1.3 Lending Methodology 5.1.4 Loan Products 5.1.5 Operations 5.1.6 Financial Management 5.2 Survey Results 5.3 Regression Analysis 5.4 Focus Group Discussions Appendix Chapter 5 Chapter Six: Sindh Agricultural and Forestry Workers Coordinating Organization (SAFWCO) 6.1 Institutional Review 6.1.1 Background and History 6.1.2 Scope of Services 6.1.3 Organizational Structure 6.1.4 Programmatic Portfolio 6.1.5 Lending Methodology and Selection Criteria 6.1.6 Portfolio Performance and Loan Recovery Ratios 6.1.7. Client Loyalty and Drop Outs 6.1.8 Institutional Development and Future Expansion 6.2 Survey Results 6.3 Regression Analysis 6.4 Focus Group Discussions Appendix Chapter 6 Chapter Seven: National Rural Support Programme (NRSP) 7.1 Institutional Review 7.1.1 Background and History 7.1.2 Mission, Vision and Purpose 7.1.3 Objective 7.1.4 Approach 7.1.5 Social Mobilization: NRSP’s Vision for Rural Development 7.1.6 Microfinance Enterprise Development Programme 7.1.7 Application of the new Model 7.1.8 Appraisal Process 7.1.9 Principles of Recovery Monitoring and Dropouts 7.1.10 Characteristics of credit staff 7.1.11 Village Branches 7.1.12 Internal Controls 7.2 Urban Poverty Alleviation Project (UPAP) 7.3 NRSP Survey Results 7.4 NRSP Regression Analysis xx
7.5 UPAP Survey Results 7.6 UPAP Regression Analysis 7.7 Focus Group Discussions 7.7.1 NRSP 7.7.2 UPAP Appendix Chapter 7 Chapter Eight: Kashf 8.1 Institutional Review 8.1.1 Background and History 8.1.2 Organizational Structure 8.1.3 Lending Methodology 8.1.4 Products 8.1.5 Operations 8.1.6 Financial Management 8.2 Survey Results 8.3 Regression Analysis 8.4 Focus Group Discussions Appendix Chapter 8 Chapter Nine: Conclusions Bibliography Appendix Questionnaire xxi
Page 1 and 2: Social Impact Assessment of Microfi
Page 3 and 4: indicators which are more difficult
Page 5 and 6: • Since Asasah has been in operat
Page 7 and 8: Akhuwat • Akhuwat was established
Page 9 and 10: and economic change in their surrou
Page 11 and 12: development. NRSP's mandate is to h
Page 13 and 14: Kashf Urban Poverty Alleviation Pro
Page 15 and 16: clients’ amounts to Rs.5.6 millio
Page 17 and 18: Pakistan, Official Poverty Line - R
Page 19: Contents Executive Summary Acknowle
Page 23 and 24: microfinance operations. This ordin
Page 25 and 26: and not other services such as savi
Page 27 and 28: elow. While we examined the traditi
Page 29 and 30: Ideally, baseline studies and panel
Page 31 and 32: members of these organizations are
Page 33 and 34: Microfinance Branch District/City I
Page 35 and 36: factor. For this survey, the sample
Page 37 and 38: loans and might have increased cons
Page 39 and 40: Chapter Three: Asasah 3.1 Instituti
Page 41 and 42: insufficient resources. Furthermore
Page 43 and 44: Figure 3.1: Asasah’s Target Marke
Page 45 and 46: for SBF, two in Lahore and one in K
Page 47 and 48: to Regional Managers as the organiz
Page 49 and 50: undertake thorough research which e
Page 51 and 52: According to Asasah the only time a
Page 53 and 54: Figure 3.3 Funding Sources NGO 5% D
Page 55 and 56: Borrower’, is that client who has
Page 57 and 58: Note: There are 237 and 273 respond
Page 59 and 60: Note: There are 237 and 273 respond
Page 61 and 62: orrowers spend less on education by
Page 63 and 64: Jewellery and livestock were genera
Page 65 and 66: Appendix Chapter 3 A 3.1.1 Institut
Page 67 and 68: A3.1.4 Organizational Structure Boa
Page 69 and 70: 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
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are also working on a marketing pla
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We first discuss results based on t
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New and Non- Borrowers 506072.7273
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Note: There are 160 and 180 respond
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From these results we can judge tha
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Appendix Chapter 5 A 5..11 Institut
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Table - 5.4.2.1 Sample Information
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Table - A. 5.2.6 Housing Characteri
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Table - A. 5.2.12 Sources of Househ
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Table - A. 5.2.16 Women’s Empower
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Table - A. 5.2.29 Non-Borrower’s
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in the contextual needs of the comm
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6.1.4.1 Products and Services Offer
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Other filters related to the specif
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management reveal the significance
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have been chosen from ‘old/establ
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School Going Children - Boys % Acti
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The Difference in Differences (DID)
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Table 1: Regression results Young B
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• Participants were also not very
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Impact on Quality of Life & Social
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Appendix Chapter 6 A.6.1.1 Institut
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Sample Information [SAFWCO] Table -
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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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Monthly Expenditure on Health 1526
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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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Note: There are 239 and 271 respond
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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. 8.2.22 Borrowers - Loan
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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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___________________________________
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Bibliography Carolyn Barnes and Jen
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