Social Impact Assessment of Microfinance Programmes - weman

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Appendix A.7.2 Results from NRSP Survey Table - A. 7.2.1 Sample Information [NRSP] Respondent Category Active Borrowers Respondent s % 680 100.0 324 47.6 New Borrowers 108 15.9 Non-Borrowers (Same Area) 118 17.4 Non-Borrowers (New Area) 130 19.1 Table - A. 7.2.2 Sample Information [NRSP] Loan Taken Borrowers % 432 100.0 One 182 42.1 Two 92 21.3 Three 69 16.0 Four 52 12.0 Five 30 6.9 Six 6 1.4 Seven 1 .2 Table - A. 7.2.3 Respondent Characteristics - Education [NRSP] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Total Respondents 324 108 248 680 47.6 15.9 36.5 100.0 Proportion <strong>of</strong> Female 21.3 39.8 17.3 22.8 Formal Education No Education 32.1 39.8 31.9 33.2 Primary 19.4 20.4 22.6 20.7 Middle 18.2 19.4 16.9 17.9 Metric 24.1 16.7 19.4 21.2 Inter 4.3 3.7 6.9 5.1 Graduate and above 1.9 2.4 1.8 39
Technical Training No Training 100.0 100.0 99.2 99.7 Have Training .8 .3 Table - A. 7.2.4 Respondent Characteristics - Nature <strong>of</strong> Business [NRSP] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 324 108 248 680 47.6 15.9 36.5 100.0 Business (Retail Shops with fixed outlet) 19.8 30.6 34.7 26.9 Personal Community Service Providers 8.6 14.8 10.9 10.4 Technical Service Provider .4 .1 Transport Service Provider .6 .9 1.6 1.0 Agriculture – Crop Production 47.8 30.6 33.5 39.9 Livestock Management 18.8 19.4 14.9 17.5 Service 4.3 3.7 4.0 4.1 Table - A. 7.2.5 Household Demography [NRSP] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 324 108 248 680 47.6 15.9 36.5 100.0 Family Size 1-3 Person 3.4 3.7 4.8 4.0 4-6 Person 43.8 49.1 45.2 45.1 7-9 Person 35.8 36.1 32.7 34.7 More than 9 17.0 11.1 17.3 16.2 Average Family Size 7 7 7 7 Dependency Ratio 104.72 97.99 96.83 100.78 40
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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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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 -
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 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
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Page 220 and 221: influentials and people understand
Page 222 and 223: Client Profile Most of the women in
Page 224 and 225: Appendix Chapter 7 Appendix A.7.1 N
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
Page 240 and 241: Appendix A.7.3 UPAP Institutional B
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
Page 250 and 251: Table - A.7. 4.20 Women’s Empower
Page 252 and 253: Table - A.7. 4.23 Borrowers - Loan
Page 254 and 255: Table - A.7. 4.27 Non-Borrower’s
Page 256 and 257: Chapter Eight: Kashf 8.1 Institutio
Page 258 and 259: were introduced at several levels a
Page 260 and 261: Box 8.1 Kashf’s Core Values Servi
Page 262 and 263: issues are in the social theme book
Page 264 and 265: usiness address, attest to experien
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Page 272 and 273: Table 8. 2 Financing Sources: Septe
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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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___________________________________
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Bibliography Carolyn Barnes and Jen
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