Social Impact Assessment of Microfinance Programmes - weman

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Table - A. 8.2.16 Women’s Empowerment [KASHF] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall Number of Respondents 239 91 180 510 Economic Empowerment - Score out of 14 7.7 8.3 4.9 6.8 Income Empowerment - Score out of 5 2.1 3.0 2.7 2.5 Assets Empowerment - Score out of 8 1.2 2.1 1.5 1.4 Empowerment Related with Education and Health - Score out of 10 5.0 6.1 5.7 5.4 Social Empowerment - Score out of 10 4.1 5.0 3.8 4.2 Figures Average Score except number of respondents 43
Table - A. 8.2.17 Women’s Empowerment - Economic Aspects [KASHF] Active Borrowers Respondent Category Pipeline Borrowers Non- Borrowers Overall Number of Respondents 239 91 180 510 Do you take decisions on the aspects of purchase, modification or repair of house 25 30 24 25 Do your husband discuss with you when decision on modification/repair of house is made 70 74 63 68 Do you take decisions on the purchase or sale of livestock 2 2 1 2 Did your husband discuss with you before sale or purchase of livestock 25 40 24 27 Do you purchase your dresses for the family 70 90 63 71 Do you purchase the utensils for your family 78 95 77 80 Do you purchase gold and jewellery for your family 28 12 24 24 Do you take decisions on borrowing money 59 66 29 50 Do your husband discuss with you on the issues of borrowing money 77 91 61 74 Do you spend money you have borrowed 41 49 2 29 Do you repay the money you have borrowed 61 71 6 43 Do you take decisions on transactions involving household Equipments 49 46 36 44 Do you have any debt in your name 95 95 9 65 Do your husband discuss with you when he has made the debt 92 70 69 80 Figures are percentages except number of respondents 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. 5.2.29 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. 6.2.12 Sources of Househ
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Table - A. 6.2.29 Non-Borrowers’
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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
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Borrowers Houses with RCC Roof Acti
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Own House Active Borrowers 98.4568
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A Single Difference equation is als
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Table 7.6: Regression results Young
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Table - 7.8 UPAP - Economic Status
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Table - 7.10 UPAP - Household Asset
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Y ij = X ij α + C ij β + M ij γ
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Table 1: Regression results Young B
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to consider young unmarried clients
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influentials and people understand
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Client Profile Most of the women in
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Appendix Chapter 7 Appendix A.7.1 N
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Appendix A.7.2 Results from NRSP Su
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Monthly Expenditure on Health 1526
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Do you operate Bank account in your
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Spouse without your suggestion .6 3
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No 17.6 14.1 20.3 9.6 16.7 100.0 15
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Appendix A.7.3 UPAP Institutional B
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Table - A.7. 4.4 Respondent Charact
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Table - A.7. 4.9 Child Education [U
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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 268 and 269: development and undertaken market s
Page 270 and 271: information has not been integrated
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
Page 300 and 301: Table - A. 8.2.18 Women’s Empower
Page 302 and 303: Table - A. 8.2.20 Women’s Empower
Page 304 and 305: Table - A. 8.2.22 Borrowers - Loan
Page 306 and 307: Table - A. 8.2.27 Non-Borrowers’
Page 308 and 309: Chapter Nine: Conclusions For anyon
Page 310 and 311: are necessary for impact to take pl
Page 312 and 313: Another finding from the survey sug
Page 314 and 315: of the microfinance sector in Pakis
Page 316 and 317: Section 1 - IDENTIFICATION File:
Page 318 and 319: 1.9 Occupation - Primary __________
Page 320 and 321: Section 4a - All Respondents File:
Page 322 and 323: Section 4b - All Respondents File:
Page 324 and 325: Section 5b - All Respondents File:
Page 326 and 327: Section 7 - Only for Non-Agricultur
Page 328 and 329: 8) Do you regularly pay the loan in
Page 330 and 331: Section 9 - All Respondents File:
Page 332 and 333: 10.2 Had you wanted to join a progr
Page 334 and 335: 11.7 Business Assets Business Asset
Page 336 and 337: Section 14 - All Respondents File:
Page 338 and 339: Section 16,17,18 - All Respondents
Page 340 and 341: 17.2 [If Yes in 17.1], Why you did
Page 342 and 343: Section 19 - Only for Female Respon
Page 344 and 345: 19.8 Who in your household decides
Page 346 and 347: Section 20a - Only for Agricultural
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Section 20b - Only for Agricultural
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Appendix: Additional Codes ________
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Bibliography Carolyn Barnes and Jen
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