Social Impact Assessment of Microfinance Programmes - weman

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Monthly Expenditure on Health 1526 563 1246 1266 Figures are averages Table - A. 7.2.12 Sources of Household Income [NRSP] Respondent Category Overall Active Borrowers Pipeline Borrowers Non- Borrowers Income Per Capita 1633 1268 1319 1460 (%) Income from Main occupation 16 24 33 23 Secondary occupation 1 1 1 1 Other Earners 11 19 16 14 Pension 1 0 1 1 Inland Remittances 0 0 0 0 Overseas Remittances 0 0 0 0 Rental Income 0 0 0 0 Figures are averages Table - A. 7.2.13 Household Consumption Pattern [NRSP] Respondent Category Overall Active Borrowers Pipeline Borrowers Non- Borrowers Expenditure Per Capita 1052 972 972 1010 Per Capita Food Expenditure 500 485 510 501 (%) Expenditure on FOOD 48 51 54 51 Education 5 4 4 5 Health 6 7 7 7 Electricity 6 5 6 6 Gas 1 1 1 1 Telephone 2 2 2 2 Rent 0 1 0 0 Travelling 6 6 6 6 Repayment of Loan 9 11 0 6 Saving 2 2 2 2 Consumption Last 30 days - Meat (days) 5 5 4 4 - Fruits (days) 6 6 6 6 - Eggs (days) 10 10 10 10 Figures are averages 43
Table - A. 7.2.14 Household Assets Ownership [NRSP] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall Own House 97.2 94.4 98.8 97.4 Refrigerator 26.5 21.3 34.7 28.7 Colour TV 55.6 46.3 53.2 53.2 Motor Cycle 21.6 15.7 22.6 21.0 Prize Bond .9 1.6 1.0 Washing Machine 43.2 40.7 46.8 44.1 Sewing Machine 68.2 73.1 67.3 68.7 Bed with Foam 17.6 16.7 23.8 19.7 Urban Property 1.5 2.0 1.5 Gold 45.7 40.7 37.9 42.1 Mobile phone 38.3 45.4 35.1 38.2 Figures are average percentage Table - A. 7.2.15 Business Characteristics [NRSP] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall Family Workers (engaged in business) 1 1 1 1 Permanent on Monthly Salary 3 1 2 2 Permanent on Daily Wages/Piece Rate 1 1 1 1 Seasonal/Occasional Monthly Sale [Rs.] 20968 15170 25154 21863 Value of Assets - Shop/Workshop 28828 21040 87291 54885 Machinery 9016 6098 4591 6394 Instruments 4188 1698 4233 3748 Figures are averages 44
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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 -
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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
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
Page 224 and 225: Appendix Chapter 7 Appendix A.7.1 N
Page 226 and 227: Appendix A.7.2 Results from NRSP Su
Page 228 and 229: Table - A. 7.2.6 Housing Characteri
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
Page 274 and 275: We first discuss results based on t
Page 276 and 277: Note: There are 239 and 271 respond
Page 278 and 279: 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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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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___________________________________
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Bibliography Carolyn Barnes and Jen
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