Social Impact Assessment of Microfinance Programmes - weman

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Do you operate Bank account in your name Do you pledge, Sell, or exchange any of the above said assets yourself Do your need permission from your husband to sell, pledge, exchange any of the assets Do you have purchased land in your own name Is the house you stay registered in your name Is the house you stay registered in your and husband name Figures are percentages except number of respondents 12 14 7 12 15 2 10 48 32 40 41 3 2 2 6 2 2 4 67 73 72 70 Table - A. 7.2.20 Women’s Empowerment - Health and Education [NRSP] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall Number of Respondents 69 41 43 153 Do you take decisions on the issues of your children education 41 66 44 48 Do your husband consult with you when he takes decision on the education 83 93 81 85 of children Do you think you can decide on how many children you can have 25 5 14 16 Do you think you can decide on the spacing between children 30 20 47 32 Do you think that you can decide on the treatment of your and your family 39 56 16 37 member illness Do you think you can decide on the method of treatment for your family 46 49 19 39 members Do you think you can decide on the type of contraceptive to be used 42 24 47 39 Do your husband discuss with you on the issues of health aspects of children 83 78 79 80 Do you have any choice of food prepared and served in your home 86 95 79 86 Are you able to take care of the nutritional requirements of your self, 65 78 79 73 family and children Figures are percentages except number of respondents 47
Table - A. 7.2.21 Women’s Empowerment - SOCIAL Aspects [NRSP] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall Number of Respondents 69 41 43 153 Are you free to go out and visit your friends and relatives with out 30 29 35 31 permission Do you have the choice of the dresses you wear 81 93 74 82 Do your husband impose his religious beliefs on you and make you accept 6 2 2 4 them Do you have any association with political parties 3 10 12 7 Do you participate in voting and other democratic procedure 51 56 67 57 Do your husband impose her political ideas on you and make you accept 19 10 2 12 them Do you participate in the meetings of NGO programmes or in other social 42 29 35 37 events Do your husband prevent you from participating in such programmes 25 12 14 18 Do you take decisions on the marriage of your son-daughter 59 56 47 55 Do your husband discuss with you on the issues of the marriage of children 81 88 72 80 and close relatives Figures are percentages except number of respondents Table - A. 7.2.22 Borrowers - Loan Amount Used by: [NRSP] Borrower s Loan was used by: Self Respondent Category Active Borrowers Pipeline Borrowers Total 324 108 432 75.0 25.0 100.0 88.9 81.5 87.0 Spouse with your suggestion 8.3 13.9 9.7 48
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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 183 and 184: Table - A. 6.2.21 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 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 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 230 and 231: Monthly Expenditure on Health 1526
Page 232 and 233: Table - A. 7.2.16 Women’s Empower
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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
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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
Page 280 and 281: The results from the estimation of
Page 282 and 283: 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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Bibliography Carolyn Barnes and Jen
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