Social Impact Assessment of Microfinance Programmes - weman

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Table - A.7. 4.23 Borrowers - Loan Amount Used For: [UPAP] Respondent Category Total Active Borrowers Pipeline Borrowers Borrowers 315 123 438 71.9 28.1 100.0 Loan was Business Activity used for: 84.8 87.0 85.4 Repayment of debts 1.6 1.1 Consumption 6.7 8.1 7.1 The use of other household members 1.6 2.4 1.8 Death/Illness of household members .3 .2 Other 5.1 2.4 4.3 Figures are row percentages except number of borrowers Table - A.7. 4.24 Borrowers’ Perceptions - Getting Loan [UPAP] Number of Borrowers 315 Loan utilized for same purpose (%) 100 Loan sufficient (%) 100 Time Obtaining Loan (Months) 32 Expenditure incurred (Rs.) 237 Problems in Obtaining Loan (%) No Problem 81.0 Collateral .3 Delay in Payment 5.1 Too many Meetings 1.9 Too many visits 19.4 Group Making .3 Figures are averages 65
Table - A.7. 4.25 Borrower’s Perceptions - Coping Strategy [UPAP] Loan Taken One Two Three Four Five Six Overall Number of Borrowers 30 124 88 51 20 2 315 Sale of asset/Sale of Animals 16.7 7.3 9.1 21.6 15.0 11.4 Borrow loan from relative/friends 96.7 95.2 90.9 86.3 90.0 50.0 92.1 Borrow loan from Microfinance 26.7 16.9 26.1 37.3 30.0 24.4 Borrow loan from Commercial 1.6 .6 Banks Borrow from Moneylender/Commission agent .8 1.1 .6 Reduce Consumption Expenditure 3.3 16.1 19.3 19.6 10.0 15.9 Pull out children from school 50.0 .3 Search for extra work 10.0 10.5 18.2 17.6 13.0 Extra hours in existing occupation 3.3 2.4 8.0 3.9 15.0 5.1 Have Enough Saving 7.3 8.0 3.9 5.7 Figures are column percentages except number of respondents * Multiple Response Questions May Exceed 100% Table - A.7. 4.26 Borrowers’ Perceptions - Impact [UPAP] Loan Taken One Two Three Four Five Six Overall Number of Borrowers 30 124 88 51 20 2 315 Effect on quality of Improved life 70.0 86.3 85.2 80.4 80.0 100.0 83.2 Deteriorated .8 2.3 2.0 5.0 1.6 No Change 30.0 12.9 12.5 17.6 15.0 15.2 Family eat your fill As much as wanted (all types) 56.7 46.8 62.5 62.7 80.0 50.0 56.8 As much as wanted (not all types) 43.3 52.4 36.4 37.3 20.0 50.0 42.5 Sometimes felt hunger .8 1.1 .6 Have more to eat now Have more to eat now 50.0 69.4 64.8 64.7 65.0 50.0 65.1 Have more to eat in earlier times 6.7 3.2 2.3 2.0 2.9 Equal 43.3 27.4 33.0 33.3 35.0 50.0 32.1 Family health Health is better now 36.7 48.4 44.3 47.1 40.0 45.1 Health was better earlier 6.7 3.2 3.4 2.0 5.0 3.5 Equal 56.7 48.4 52.3 51.0 55.0 100.0 51.4 Sustainable increase Yes in income 83.3 83.1 89.8 86.3 75.0 50.0 84.8 No 16.7 16.9 10.2 13.7 25.0 50.0 15.2 Figures are column percentages except number of respondents 66
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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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Table - A. 6.2.7 Housing Characteri
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Table - A. 6.2.12 Sources of Househ
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incremental growth, it is emerging
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the purpose of the organization and
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Group loans are meant specifically
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Officer. If the Field Worker and Cr
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The worker’s degree of mobility d
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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 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 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 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
Page 292 and 293: Table - A.8.2.1 Sample Information
Page 294 and 295: Table - A. 8.2.6 Housing Characteri
Page 296 and 297: Table - A. 8.2.12 Sources of Househ
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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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