Social Impact Assessment of Microfinance Programmes - weman

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Table – 7.8 UPAP – Economic Status Variables Category Mean Standard Deviation t-value Significance Level Expenditure Per Capita Active Borrowers 1325.1840 643.54615 -2.253 .025 New and Non- Borrowers 1442.4875 703.02808 Per Capita Food Active Borrowers Expenditure 567.7574 234.59407 -4.638 .000 New and Non- Borrowers 664.6475 299.48792 Income Per Capita Active Borrowers 1456.5825 1104.67028 -.587 .557 New and Non- Borrowers 1498.6593 748.03354 Household Asset Score Active Borrowers 7.39 2.649 1.644 .101 New and Non- Borrowers 7.06 2.592 Value of household Active Borrowers assets 333866.8203 345371.43949 1.667 .096 New and Non- Borrowers 291473.5914 306132.64951 Note: There are 315 and 363 respondents in each category respectively. t-value greater than 1.6 indicates the mean difference between two categories is statistically significant. The negative t indicates that average value of category 2 is greater than the average value of category 1. While there is not much significant difference in the characteristics of Active Borrowers and the other two categories with regard to Education characteristics, there is one surprising result in which the proportion of school-going Girls as a proportion, is lower for Active Borrowers – Table 7.9. Why this is so is difficult to explain; one possible explanation could be that girls are being asked to work in the family business rather than go to school, but there could be other reasons as well. 23
Table – 7.9 UPAP – Children’s Education Variables Category Mean Standard Deviation t- value Significance Level School Going Children % Active Borrowers 90.3040 19.46766 -.758 .449 New and Non- Borrowers 91.7132 17.43449 School Going Children - Boys Active Borrowers % 82.8616 31.74271 .068 .946 New and Non- Borrowers 82.6027 34.52412 School Going Children - Girls Active Borrowers % 76.4683 38.97037 -2.027 .043 New and Non- Borrowers 84.7039 33.07633 Children going to Private Active Borrowers School % 43.2434 45.20299 1.249 .212 New and Non- Borrowers 37.8462 45.66167 Monthly Expenditure on Active Borrowers Education 506.0400 617.97444 1.442 .150 New and Non- Borrowers 427.2304 525.06299 Note: There are 315 and 363 respondents in each category respectively. t-value greater than 1.6 indicates the mean difference between two categories is statistically significant. The negative t indicates that average value of category 2 is greater than the average value of category 1. In t case of Household Assets Ownership, we find no significant difference between Active Borrowers and the other two categories, except that more Active Borrowers have savings in Gold – Table 7.10. The differences between the two categories in terms of Business Assets is also not significant, except that we again find the surprising result that Active Borrowers have lower Business Assets than do New and Non-Borrowers, and that the value of the Machinery Assets of Active Borrowers are significantly lower – Table 7.11. 24
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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
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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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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. 5.2.25 Borrowers’ Perc
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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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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 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 179 and 180: Table - A. 6.2.16 Women’s Empower
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 197 and 198: The worker’s degree of mobility d
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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 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
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Page 222 and 223: Client Profile Most of the women in
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Page 226 and 227: Appendix A.7.2 Results from NRSP Su
Page 228 and 229: Table - A. 7.2.6 Housing Characteri
Page 230 and 231: Monthly Expenditure on Health 1526
Page 234 and 235: Do you operate Bank account in your
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Page 238 and 239: No 17.6 14.1 20.3 9.6 16.7 100.0 15
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Page 242 and 243: Table - A.7. 4.4 Respondent Charact
Page 244 and 245: Table - A.7. 4.9 Child Education [U
Page 246 and 247: Table - A.7. 4.14 Household Assets
Page 248 and 249: Table - A.7. 4.17 Women’s Empower
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Page 252 and 253: Table - A.7. 4.23 Borrowers - Loan
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Page 256 and 257: Chapter Eight: Kashf 8.1 Institutio
Page 258 and 259: 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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