Social Impact Assessment of Microfinance Programmes - weman

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Section 19 – Only for Female Respondent File: ‘WOMEN EMPOWERMENT’ IF RESPONDENT IS A SPOUSE OF HOUSEHOLD {19.1 to 19.5) 19.1 ECONOMIC ASPECTS [Score: Yes =1, No =0] Indicators: Do you take decisions on the aspects of purchase, modification or repair of house Do your husband discuss with you when decision on modification/repair of house is made Do you take decisions on the purchase or sale of livestock Did your husband discuss with you before sale or purchase of livestock Do you purchase your dresses for the family Do you purchase the utensils for your family Do you purchase gold and jewellery for your family Do you take decisions on borrowing money Do your husband discuss with you on the issues of borrowing money Do you spend money you have borrowed Do you repay the money you have borrowed Do you take decisions on transactions involving household Equipments Do you have any debt in your name Do your husband discuss with you when he has made the debt 19.2 INCOME [Score: Yes =1, No =0] Indicators: Do you have your own income Do you spend it for the family yourselves Do you need the permission of your husband to spend your income Do you get any part of your family income or husband’s income to your hands regularly Do your husband discuss with you when he spends income for the family requirements 19.3 ASSETS Score [E1] [E1] [E1] [E1] [E1] [E1] [E1] [E1] [E1] [E10] [E10] [E12] [E13] [E14] Score [INC1] [INC2] [INC3] [INC4] [INC5] [Score: Yes =1, No =0] Indicators: Do you possess any household asset [Record all assets owned by spouse] Do you have cash savings in your own name 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’s name Score [A1] [A2] [A3] [A4] [A5] [A6] [A7] [A8] Questionnaire – Social Impact Assessment of Microfinance 28
19.4 EDUCATION & HEALTH [Score: Yes =1, No =0] Indicators: Do you take decisions on the issues of your children’s education Do your husband consult with you when he takes decision on the education of children Do you think you can decide on how many children you can have Do you think you can decide on the spacing between children Do you think that you can decide on the treatment of your and your family member illness Do you think you can decide on the method of treatment for your family members Do you think you can decide on the type of contraceptive to be used Do your husband discuss with you on the issues of health aspects of children Do you have any choice of food prepared and served in your home Are you able to take care of the nutritional requirements of your self, family and children Score [EH1] [EH2] [EH3] [EH4] [EH5] [EH6] [EH7] [EH8] [EH9] [EH10] 19.5 SOCIAL ASPECTS [Score: Yes =1, No =0] Indicators: Are you free to go out and visit your friends and relatives with out permission Do you have the choice of the dresses you wear Do your husband impose his religious beliefs on you and make you accept them Do you have any association with political parties Do you participate in voting and other democratic procedure Do your husband impose her political ideas on you and make you accept them Do you participate in the meetings of NGO’s programs or in other social events Do your husband prevent you from participating in such programs Do you take decisions on the marriage of your son/daughter Do your husband discuss with you on the issues of the marriage of children and close relatives Score [S1] [S2] [S3] [S4] [S5] [S6] [S7] [S8] [S9] [S10] IF RESPONDENT IS NOT A SPOUSE OF HOUSEHOLD 19.6 Who in your household decides about children’s education [Q196] [1] Head/Father decides alone [2] Head/Father in consultation with his/her spouse [3] Head/Father in consultation with the woman concerned [5] Head and spouse in consultation with the woman concerned [6] Head/Father and other male members decide [7] Other_____________________ 19.7 Who in your household decides whether you can seek or [Q197] remain in paid employment [1] Head/Father decides alone [2] Head/Father in consultation with his/her spouse [3] Head/Father in consultation with the woman concerned [5] Head and spouse in consultation with the woman concerned [6] Head/Father and other male members decide [7] Other _______________ Questionnaire – Social Impact Assessment of Microfinance 29
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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
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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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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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54 Jawarian R 55 Behra R 56 Sahiwal
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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 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 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
Page 350 and 351: Page is left intentionally blank Qu
Page 352 and 353: Appendix: Additional Codes ________
Page 354 and 355: ___________________________________
Page 356 and 357: ___________________________________
Page 358 and 359: Bibliography Carolyn Barnes and Jen
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