Social Impact Assessment of Microfinance Programmes - weman

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Table - A.7. 4.4 Respondent Characteristics - Nature of Business [UPAP] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 315 123 240 678 46.5 18.1 35.4 100.0 Business (Retail Shops with fixed outlet) 52.1 49.6 56.7 53.2 Business (Vendor without fixed outlet) 2.9 3.3 2.1 2.7 Goods Supplier .3 1.3 .6 Personal Community Service Providers 24.8 32.5 25.0 26.3 Technical Service Provider 4.1 2.4 5.0 4.1 Cottage Industry 2.5 5.7 4.6 3.8 Transport Service Provider 3.2 2.4 2.9 2.9 Livestock Management 3.8 .8 2.1 2.7 Service 6.3 3.3 .4 3.7 Table - A.7. 4.5 Household Demography [UPAP] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 315 123 240 678 46.5 18.1 35.4 100.0 Family Size 1-3 Person 7.0 8.1 7.5 7.4 4-6 Person 42.5 53.7 54.2 48.7 7-9 Person 40.3 31.7 34.2 36.6 More than 9 10.2 6.5 4.2 7.4 Average Family Size 7 6 6 6 Dependency Ratio 115.95 94.24 84.63 100.86 55
Table - A.7. 4.6 Housing Characteristics - Quality [UPAP] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 315 123 240 678 46.5 18.1 35.4 100.0 House owners 74.3 74.8 69.2 72.6 Person per room 3.26 3.28 2.89 3.14 Houses with baked bricks 92.4 91.9 97.1 94.0 Houses with RCC Roof 40.6 39.8 39.2 40.0 Houses with Cemented Floor 75.6 70.7 70.8 73.0 Table - A.7. 4.7 Housing Characteristics - Services [UPAP] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 315 123 240 678 46.5 18.1 35.4 100.0 Houses with telephone 7.3 9.8 16.3 10.9 Houses with electricity 95.9 91.9 96.7 95.4 Houses using gas for cooking 88.3 87.8 85.8 87.3 Houses using flush system 93.7 95.9 95.4 94.7 Table - A.7. 4.8 Household Economic Status [UPAP] Respondent Category Total Active Borrowers Pipeline Borrowers Non- Borrowers Respondents 315 123 240 678 46.5 18.1 35.4 100.0 Income Per Capita 1457 1459 1519 1479 Expenditure Per Capita 1325 1404 1462 1388 Per Capita Food Expenditure 568 596 700 620 Poor Households (% below Official Poverty Line) 25 19 22 23 Household Asset Score 7 7 7 7 Value of household assets 333867 297043 288713 311248 Average Indebtedness 12427 27083 17545 17318 The Official Poverty Line is Rs 1,000 per capita per month – see Montgomery (2006) 56
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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. 5.2.29 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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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
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 230 and 231: Monthly Expenditure on Health 1526
Page 232 and 233: Table - A. 7.2.16 Women’s Empower
Page 234 and 235: Do you operate Bank account in your
Page 236 and 237: Spouse without your suggestion .6 3
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 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
Page 280 and 281: The results from the estimation of
Page 282 and 283: A total of three focus group discus
Page 284 and 285: The positive impact of the credit w
Page 286 and 287: Appendix Chapter 8 A.8.1.1 Institut
Page 288 and 289: 54 Jawarian R 55 Behra R 56 Sahiwal
Page 290 and 291: 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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Bibliography Carolyn Barnes and Jen
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