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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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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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Note: There are 160 and 180 respond
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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. 5.2.18 Women’s Empower
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Table - A. 5.2.21 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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Table - A. 6.2.7 Housing Characteri
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Table - A. 6.2.12 Sources of Househ
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Table - A. 6.2.16 Women’s Empower
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Table - A. 6.2.18 Women’s Empower
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Table - A. 6.2.21 Women’s Empower
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Table - A. 6.2.25 Borrowers’ Perc
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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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Table - A. 7.2.6 Housing Characteri
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Monthly Expenditure on Health 1526
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Table - A. 7.2.16 Women’s Empower
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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
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Table - A.7. 4.17 Women’s Empower
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Table - A.7. 4.20 Women’s Empower
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Table - A.7. 4.23 Borrowers - Loan
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Table - A.7. 4.27 Non-Borrower’s
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Chapter Eight: Kashf 8.1 Institutio
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were introduced at several levels a
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Box 8.1 Kashf’s Core Values Servi
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issues are in the social theme book
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usiness address, attest to experien
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the learning centre has been set up
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development and undertaken market s
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information has not been integrated
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Table 8. 2 Financing Sources: Septe
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We first discuss results based on t
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Note: There are 239 and 271 respond
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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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- 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 298 and 299: Table - A. 8.2.16 Women’s Empower
- 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
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- 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
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- Page 332 and 333: 10.2 Had you wanted to join a progr
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- Page 336 and 337: Section 14 - All Respondents File:
- 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
- Page 348 and 349: Section 20b - Only for Agricultural
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- Page 352 and 353: Appendix: Additional Codes ________
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- Page 356 and 357: ___________________________________
- Page 358 and 359: Bibliography Carolyn Barnes and Jen