Social Impact Assessment of Microfinance Programmes - weman

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Income Per Capita 1601 1539 1376 1510 (%) Income from Main occupation 77 68 60 69 Figures are averages Secondary occupation 0 0 0 0 Other Earners 22 32 39 30 Pension 0 1 1 0 Inland Remittances 0 0 0 0 Overseas Remittances 0 0 0 0 Rental Income 0 0 0 0 Table - A.3.2.13 Household Consumption Pattern [ASASAH] Respondent Category Overall Active Borrowers Pipeline Borrowers Non- Borrowers Expenditure Per Capita 1403 1336 1202 1320 Per Capita Food Expenditure 698 648 668 678 (%) Expenditure on FOOD 50 49 56 52 Education 3 4 3 3 Health 3 2 3 3 Electricity 7 6 8 7 Gas 2 3 3 2 Telephone 1 1 1 1 Rent 2 1 3 2 Travelling 3 2 4 3 Repayment <strong>of</strong> Loan 22 17 0 14 Saving 0 2 1 1 Consumption Last 30 days - Meat (days) 4 4 2 3 - Fruits (days) 4 3 2 3 - Eggs (days) 4 5 3 4 Figures are averages 34
Table - A.3.2.14 Household Assets Ownership [ASASAH] Respondent Category Overall Active Borrowers Pipeline Borrowers Non- Borrowers Own House 88.6 93.5 85.6 88.4 Refrigerator 42.2 27.2 26.0 33.7 Colour TV 76.4 83.7 64.6 73.5 Motor Cycle 11.4 13.0 7.2 10.2 Prize Bond 1.3 .6 Washing Machine 73.8 79.3 62.4 70.8 Sewing Machine 84.8 93.5 91.2 88.6 Bed with Foam 26.2 39.1 22.1 27.1 Urban Property Gold 19.4 22.8 14.9 18.4 Mobile phone 46.4 50.0 34.3 42.7 Figures are average percentage Table - A.3.2.15 Business Characteristics [ASASAH] Respondent Category Overall Active Borrowers Pipeline Borrowers Non- Borrowers Family Workers (engaged in business) 1 1 1 1 Permanent on Monthly Salary 2 1 2 Permanent on Daily Wages/Piece Rate 2 6 1 3 Seasonal/Occasional 2 3 3 3 Monthly Sale [Rs.] 15150 17327 10352 13840 Value <strong>of</strong> Assets - Shop/Workshop 8837 2391 4384 6094 Machinery 4131 19690 2256 6272 Instruments 1085 1395 593 966 Figures are averages 35
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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
Page 21 and 22: 7.5 UPAP Survey Results 7.6 UPAP Re
Page 23 and 24: microfinance operations. This ordin
Page 25 and 26: and not other services such as savi
Page 27 and 28: elow. While we examined the traditi
Page 29 and 30: Ideally, baseline studies and panel
Page 31 and 32: members of these organizations are
Page 33 and 34: Microfinance Branch District/City I
Page 35 and 36: factor. For this survey, the sample
Page 37 and 38: loans and might have increased cons
Page 39 and 40: Chapter Three: Asasah 3.1 Instituti
Page 41 and 42: insufficient resources. Furthermore
Page 43 and 44: Figure 3.1: Asasah’s Target Marke
Page 45 and 46: for SBF, two in Lahore and one in K
Page 47 and 48: to Regional Managers as the organiz
Page 49 and 50: undertake thorough research which e
Page 51 and 52: According to Asasah the only time a
Page 53 and 54: Figure 3.3 Funding Sources NGO 5% D
Page 55 and 56: Borrower’, is that client who has
Page 57 and 58: Note: There are 237 and 273 respond
Page 59 and 60: Note: There are 237 and 273 respond
Page 61 and 62: orrowers spend less on education by
Page 63 and 64: Jewellery and livestock were genera
Page 65 and 66: Appendix Chapter 3 A 3.1.1 Institut
Page 67 and 68: A3.1.4 Organizational Structure Boa
Page 69 and 70: Table - A.3.2.4 Respondent Characte
Page 71: Table - A.3.2.9 Child Education [AS
Page 75 and 76: Table - A.3.2.17 Women’s Empowerm
Page 77 and 78: Table - A.3.2.20 Women’s Empowerm
Page 79 and 80: Table - A.3.2.22 Borrowers - Loan A
Page 81 and 82: Table - A.3.2.27 Non-Borrowers’ P
Page 83 and 84: Chapter Four: Orangi Charitable Tru
Page 85 and 86: these, as many as 7,301 units are c
Page 87 and 88: • Loan for Livestock: OCT also su
Page 89 and 90: guarantees of two local entrepreneu
Page 91 and 92: CEBEMO, a Dutch funding agency, has
Page 93 and 94: MFIs claim. Hence, its criteria and
Page 95 and 96: Table - 4.4 OCT - Household Assets
Page 97 and 98: difference, we found that active bo
Page 99 and 100: mainly because they don’t have to
Page 101 and 102: Term/D uration Loan size improveme
Page 103 and 104: Table - A. 4.2.4 Respondent Charact
Page 105 and 106: Average Indebtedness 19300 6375 340
Page 107 and 108: Table - A. 4.2.14 Household Assets
Page 109 and 110: Table - A. 4.2.19 Borrowers’ Perc
Page 111 and 112: Table - A. 4.2.23 Non-Borrowers’
Page 113 and 114: which also became the head office.
Page 115 and 116: problem of group lending is that me
Page 117 and 118: uy insurance, which covers the risk
Page 119 and 120: activities with other NGOs and Soci
Page 121 and 122: 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. 5.2.25 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. 6.2.25 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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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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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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54 Jawarian R 55 Behra R 56 Sahiwal
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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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Table - A. 8.2.27 Non-Borrowers’
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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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