Social Impact Assessment of Microfinance Programmes - weman

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Value of household assets Active Borrowers 764140.1375 705735.90136 1.174 .242 New and Non-Borrowers 640551.1364 658642.96003 Note: There are 81 and 89 respondents in each category respectively. t-value greater than 1.6 indicates the mean difference between two categories is statistically significant. The negative t indicates that average value of category 2 is greater than the average value of category 1. Table – 4.3 OCT – Children’s Education Variables Category Mean Standard Deviation t-value Significance Level School Going Children % Active Borrowers 92.3000 16.89936 -.514 .609 New and Non-Borrowers 93.9474 16.24048 School Going Children - Boys % Active Borrowers 89.0351 29.58073 -.472 .638 New and Non-Borrowers 91.8367 25.71263 School Going Children - Girls % Active Borrowers 84.5417 27.61144 .150 .881 New and Non-Borrowers 83.5366 32.40841 Children going to Private School % Active Borrowers 74.6863 39.81352 .355 .724 New and Non-Borrowers 72.2886 37.30486 Monthly Expenditure on Education Active Borrowers 1042.5397 2094.26249 .768 .444 New and Non-Borrowers 828.2239 886.42856 Note: There are 81 and 89 respondents in each category respectively. t-value greater than 1.6 indicates the mean difference between two categories is statistically significant. The negative t indicates that average value of category 2 is greater than the average value of category 1. Where there is a significant difference between Borrowers and the New and Non- Borrowers, is in the type of Household Assets Owned. A greater proportion of Borrowers have far greater assets than do New and Non-Borrowers – Table 4.4 and A.4.2.14. Similarly, one finds a significant difference in the value of sales of Borrowers compared to the other two categories – Table 4.5. 12
Table – 4.4 OCT – Household Assets Ownership Variables Category Mean Standard Deviation t-value Significance Level Own House Active Borrowers 90.1235 30.02057 2.401 .017 New and Non-Borrowers 76.4045 42.69999 Refrigerator Active Borrowers 70.3704 45.94683 2.072 .040 New and Non-Borrowers 55.0562 50.02553 Colour TV Active Borrowers 82.7160 38.04643 1.678 .095 New and Non-Borrowers 71.9101 45.19846 Motor Cycle Active Borrowers 45.6790 50.12330 2.575 .011 New and Non-Borrowers 26.9663 44.62990 Prize Bonds Active Borrowers 3.7037 19.00292 -.880 .380 New and Non-Borrowers 6.7416 25.21612 Washing Machine Active Borrowers 75.3086 43.39028 1.899 .059 New and Non-Borrowers 61.7978 48.86349 Sewing Machine Active Borrowers 76.5432 42.63685 -.152 .880 New and Non-Borrowers 77.5281 41.97621 Bed with Foam Active Borrowers 48.1481 50.27701 1.007 .316 New and Non-Borrowers 40.4494 49.35746 Urban Property Active Borrowers 14.8148 35.74602 1.713 .088 New and Non-Borrowers 6.7416 25.21612 Gold Active Borrowers 55.5556 50.00000 .357 .722 New and Non-Borrowers 52.8090 50.20387 Mobile phone Active Borrowers 74.0741 44.09586 1.714 .088 New and Non-Borrowers 61.7978 48.86349 Note: There are 81 and 89 respondents in each category respectively. t-value greater than 1.6 indicates the mean difference between two categories is statistically significant at least at 90 percent level of significant. The negative t indicates that average value of category 2 is greater than the average value of category 1. Table – 4.5 OCT – Business Characteristics Variables Category Mean Standard Deviation t-value Significance Level Monthly Sale [Rs.] Active Borrowers 72512.35 113642.201 3.230 .001 New and Non-Borrowers 31780.90 33628.988 Value of Assets - Shop/Workshop Active Borrowers 98950.62 261506.114 -.925 .356 New and Non-Borrowers 145331.46 376048.390 Machinery Active Borrowers 46222.22 173470.963 -.048 .962 New and Non-Borrowers 47500.00 171674.557 Instruments Active Borrowers 5167.22 19804.367 -.348 .728 New and Non-Borrowers 6208.99 19163.078 Other Active Borrowers 5143.21 27743.828 -.925 .356 New and Non-Borrowers 81434.83 741891.324 Note: There are 81 and 89 respondents in each category respectively. t-value greater than 1.6 indicates the mean difference between two categories is statistically significant. The negative t indicates that average value of category 2 is greater than the average value of category 1. 13
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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
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 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 and 72: Table - A.3.2.9 Child Education [AS
Page 73 and 74: Table - A.3.2.14 Household Assets O
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: MFIs claim. Hence, its criteria and
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
Page 123 and 124: are also working on a marketing pla
Page 125 and 126: We first discuss results based on t
Page 127 and 128: New and Non- Borrowers 506072.7273
Page 131 and 132: From these results we can judge tha
Page 133 and 134: Appendix Chapter 5 A 5..11 Institut
Page 135 and 136: Table - 5.4.2.1 Sample Information
Page 137 and 138: Table - A. 5.2.6 Housing Characteri
Page 139 and 140: Table - A. 5.2.12 Sources of Househ
Page 141 and 142: Table - A. 5.2.16 Women’s Empower
Page 143 and 144: 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. 6.2.25 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. 8.2.12 Sources of Househ
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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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___________________________________
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Bibliography Carolyn Barnes and Jen
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