1 impact assessment. 2 demographics 3 sex and age
TRANSCRIPT
1
Impact Assessment
2
Demographics
3
Sex and Age
n %Female 175 97% 92%Male 5 3% 8%Total 180 100% 100%
SEX MCRB SEDPI
n %<18 0 0% 0.00%18-25 6 3% 4.75%26-35 45 25% 21.29%36-45 61 34% 32.19%46-55 42 23% 27.69%56-65 25 14% 11.98%>65 1 1% 2.09%Total 180 100% 100%
Age MCRB SEDPI
4
Civil Status and Education
n %Elem. 38 21% 24.7%H. School 92 51% 43.9%College 50 28% 31.2%No education 0 0% 0.3%Total 180 100% 100%
Educ. MCRB SEDPI
N %Married 163 90.6% 85.5%Separated 2 1.1% 2.2%Widow 10 5.6% 6.4%Single 4 2.2% 4.0%Live-in 1 0.6% 1.9%Total 180 100.0% 100.0%
Civil Status MCRB SEDPI
5Loan Cycle and Months in Program
n %1-12 68 37.8% 44.4%13-24 16 8.9% 17.1%25-36 32 17.8% 9.6%37-48 8 4.4% 4.5%49-60 4 2.2% 3.0%60-72 2 1.1% 2.9%>72 50 27.8% 18.5%Total 180 100.0% 100.0%
MCRB SEDPIMonthsn %
1 to 3 84 46.7% 60.30%4 to 6 39 21.7% 18.30%7 to 9 6 3.3% 5.40%
10 to 12 13 7.2% 6.00%13 to 15 14 7.8% 4.50%
>15 24 13.3% 5.50%
Cycle MCRB SEDPI
Average months in the program: 43
Average loan cycle: 6
6
Type of Income Generating Activity
Activity SEDPIn %
Trading, Vending 143 79.4% 67.70%Manufacturing 20 11.1% 8.20%Service 25 13.9% 16.60%Farming 3 1.7% 9.10%Animal Raising 23 12.8% 9.90%Fishing 1 0.6% 4.50%Others 8 4.4% 7.50%
MCRB
Other types of income-generating activities include: room rental, videoke rental, and income from spouse
7
Household Level
8
Income Trend
Income Trend SEDPI n %
Increased greatly 7 3.9% 1%Increased 81 45.0% 36%The same 89 49.4% 43%Decreased 2 1.1% 15%Decreased greatly 1 0.6% 5%
Total 180 100.0% 100%
MCRB
9Reasons for Increase in Income
n %Expanded existing business 47 53.4% 27%Increase in sales/demand 38 43.2% 46%Undertook new business 5 5.7% 11%Others 5 5.7% 18%Good agricultural season 1 1.1% 6%
Sold in new markets 1 1.1% 4%Other members of HH had other source of income 1 1.1% 9%
Reasons MCRB SEDPI
Other reasons include: lessened competition, salary increase, and spouse worked abroad
10Reasons for Decrease in Income
n %Poor agricultural season 1 33.3% 11%Poor sales 1 33.3% 37%Increased taxes 1 33.3% 8%
Reasons MCRB SEDPI
11
Use of Loan Proceeds
n %Income generating activity 175 97.2% 90%Food 109 60.6% 67%School 89 49.4% 45%Kept for Emergency 51 28.3% 45%Pay Other Debts 33 18.3% 19%
HH Improve 21 11.7% 22%Clothes/HH Items 16 8.9% 23%Extend Credit 12 6.7% 16%Celebration 1 0.6% 8%
MCRB SEDPILoan Use
12
Economic Well Being
SEDPI SEDPI n % % n % %
1 8 4.44% 6% 0 0.00% 1%2 38 21.11% 26% 35 19.44% 17%3 47 26.11% 31% 19 10.56% 29%4 45 25.00% 7% 57 31.67% 23%5 42 23.33% 20% 69 38.33% 31%
Average
Rating Before Current
3.42 3.89
13
House and Diet Improvements
n %Repairs 66 36.67% 43%Water/Sanitation System 27 15.00% 18%Expansion 20 11.11% 22%Lighting and Electricity 7 3.89% 13%
Changes MCRB SEDPI
n %Improved 48 26.7% 26%The Same 131 72.8% 67%Worsened 1 0.6% 8%Total 180 100.0% 100%
Diet MCRB SEDPI
14
Manner of Diet Improvement
n % More Dairy/Meat 21 43.8% 59%Better during hungry season 18 37.5% 23%More Vegetables 13 27.1% 44%More Rice 5 10.4% 40%3 meals per day 3 6.3% 23%
Others 3 6.3% 19%
MCRB SEDPI
15
Manner of Diet Worsening
N % Less Dairy/Meat 1 100.0% 62%
MCRB SEDPI
16Number of Children Aged 7-17 Not in School
n %0 170 94.4% 92.60%1 8 4.4% 5.40%2 1 0.6% 1.30%3 0 0.0% 0.60%
>3 1 0.6% 0.20%
# of Children
MCRB SEDPI
17MFI Impact on Children’s Education
n %Yes 129 71.7% 69.83%
Did the MF Program Help in the Education of Children
MCRB SEDPI
n %Daily allowance 94 72.9% 64.79%Tuition 84 65.1% 53.36%Projects, assignments, requirements 46 35.7% 30.94%School supplies 43 33.3% 35.48%Uniform 33 25.6% 25.95%
How it Helped MCRB SEDPI
18
Gender
n % Discussed loan access with spouse 123 68.3% 80%Shared part of loan with spouse 34 18.9% 38%Spouse used loan to benefit HH 15 8.3% 28%Spouse got insecure 4 2.2% 3%Spouse used physical strength to settle HH issues 1 0.6% 1%
Spouse’s vice increased 3 1.7% 3%Foregone imp. HH exp. to pay loan 92 51.1% 49%Foregone bus. opp. to pay loan 85 47.2% 38%
MCRB SEDPI
19Main Decision Maker: Business
n %Self 97 53.9% 50%Self and Spouse Equally 70 38.9% 35%Spouse 7 3.9% 8%Female Relative 1 0.6% 1%Male Relative 0 0.0% 0.50%
Person in Control MCRB SEDPI
20Control of Household Expenditure
n %Self 120 66.7% 58%Self and Spouse Equally 52 28.9% 31%Spouse 6 3.3% 8%Female Relative 2 1.1% 2%Male Relative 0 0.0% 0.40%
Decision Maker MCRB SEDPI
21
Cash Savings Trend
93.9% have cash savings that could be withdrawn anytime
n % Increased greatly 1 0.6% 1.10%Increased 65 36.1% 37%The same 97 53.9% 44%Decreased 9 5.0% 12%Decreased greatly 5 2.8% 3%
None 3 1.7% 3%
MCRB SEDPI Savings Trend
22
Savings Purpose
n % Education of Children 64 36.2% 23%Medication 3 1.7% 9%Emergency 92 52.0% 59%Buy New Asset 4 2.3% 6%Capital for Business 6 3.4% 9%
Pay for Loan 20 11.3% 7%Others 8 4.5% 9%
SEDPI Savings Purpose MCRB
Other purposes for savings are: pregnancy, retirement, and send support to family
23
Enterprise Level
24Top Three Expenses Sourced from Business Income
n %Food 114 63.3% 82.6%Clothing 2 1.1% 4.4%School 105 58.3% 47.0%Health-related 16 8.9% 16.6%Items for house 10 5.6% 6.6%Reinvest in business 46 25.6% 17.6%Save 4 2.2% 1.4%Animal Raising 1 0.6% 1.8%Utilities 69 38.3% 47.2%Water 7 3.9% 16.5%Others 41 22.8% 11.9%
Expense MCRB SEDPI
Others: household improvement, for leisure and holidays, pay rent, pay loan
25Changes Made to and Purchases for Business
Changes SEDPIn %
Expanded size 93 51.7% 45.1%Added new products or services 82 45.6% 35.0%Developed new business 43 23.9% 17.2%Hired workers 13 7.2% 7.6%
MCRB
n %Equipment 53 29.4% 33.9%Invest in new structure 19 10.6% 12.5%Vehicle 13 7.2% 13.4%
Purchases MCRB SEDPI
26
Business Condition Rating
n % n % No
business10 5.6% 4 2.2%
1 7 3.9% 0 0.0%2 3 1.7% 1 0.6%3 7 3.9% 3 1.7%4 10 5.6% 4 2.2%5 70 38.9% 30 16.7%6 20 11.1% 24 13.3%7 24 13.3% 40 22.2%8 16 8.9% 33 18.3%9 4 2.2% 13 7.2%
10 9 5.0% 28 15.6%Ave
Rating Before Current
5.49 7.13
27
Product and Service Delivery
28
Features Clients Like Best
n %Accommodating staff 92 51.1% 43.3%
Other financial services 61 33.9% 29.5%Faster and efficient 46 25.6% 34.7%Steady source of capital 35 19.4% 15.3%Others 34 18.9% 11.3%Policies 34 18.9% 26.9%
Other benefits 24 13.3% 13.6%Low amortization 9 5.0% 6.1%Low interest rate 6 3.3% 19.3%
Trainings 4 2.2% 0.8%Group solidarity 4 2.2% 5.4%
Features MCRB SEDPI
Other features include: center fund, no meeting, accessible office, and respectful when collecting
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Features Clients Like Least
*Policy on insurance 6 3.3%*Penalties 6 3.3%*Collection even on holidays 3 1.7%
Others* 22 12.2% 14.0%
Repayment policies 15 8.3% 2.5%Loan amount too small 5 2.8% 4.8%Guarantee policies/group liability 5 2.8% 5.1%High interest rate 3 1.7% 8.0%Forced and required savings 2 1.1% 2.5%
Inefficient loan processing 2 1.1% 2.6%No additional benefits 2 1.1% 1.6%Pre-deductions 1 0.6% 2.1%
Dislike loan officer 1 0.6% 2.0%
30
Client Satisfaction with MFISEDPI
n % %1 0 0.0% 0.1%
2 0 0.0% 0.1%3 0 0.0% 0.1%4 0 0.0% 0.4%5 2 1.1% 5.3%6 1 0.6% 2.5%
7 8 4.4% 5.0%8 19 10.6% 15.6%9 24 13.3% 15.9%
10 126 70.0% 54.3%Average Rating 8.92
Rating MCRB
9.44
31
Other Services Clients Wantn %
Others* 99 55.0% 27.8%
Health services 18 10.0% 7.2%Insurance 9 5.0% 6.5%Benefits for center/officers 4 2.2% 2.6%Relief services or goods 1 0.6% 3.4%Livelihood training 1 0.6% 6.8%
Other Services MCRB SEDPI
*Scholarship 27 15.0%*Emergency loan 18 10.0%*Educational plan or loan 9 5.0%
*PhilHealth 15 8.3%*Higher loan amount 5 2.8%*Housing loan 5 2.8%*Lower interest 6 3.3%*Insurance policy - more coverage 5 2.8%
32Number of Clients that Have Resigned
n %0 53 29.4% 50.7%
1 to 3 70 38.9% 29.2%4 to 6 33 18.3% 11.0%7 to 10 19 10.6% 5.2%11 to 15 1 0.6% 1.0%16 to 20 3 1.7% 1.9%
>20 1 0.6% 2.7%
Number MCRB SEDPI
33
Reasons for Leaving
*Business-related reasons 13 7.2%*Policy-related reasons (age requirement, pregnant, etc.) 9 5.0%*Moved to other MFI 7 3.9%*Does not want to loan yet 27 15.0%
n %Others* 65 36.1% 1.1%
Not able to pay 50 27.8% 26.5%Sufficient working capital 12 6.7% 3.0%Group liability 8 4.4% 2.1%Migrate 7 3.9% 8.1%Loan term decreased 2 1.1% 53.4%
Group dynamics 1 0.6% 1.0%
Reasons MCRB SEDPI
34
Savings
n %Home 83 46.1% 50.6%
Commercial bank 29 16.1% 16.4%Rural Bank 14 7.8% 6.0%Informal 11 6.1% 2.7%NGO 7 3.9% 5.7%Government 1 0.6% 1.4%
Where Clients Save MCRB SEDPI
SEDPI76.7% 73.4%Savers Before MFI Membership
35
Weekly Savings
N %PhP 1- 50 61 33.9% 28.0%PhP 51-100 47 26.1% 21.5%Php 101-250 17 9.4% 16.6%PhP 251-500 32 17.8% 22.3%Php 501-700 3 1.7% 1.8%
>700 17 9.4% 14.0%Average 369.32
MCRBAmount
301.81
SEDPI
36
Multiple MF Program Membership
n %Family Member 20 40.8% 3.09%Cooperative 11 22.4% 18.00%Informal 7 14.3% 16.67%Others 6 12.2% 12.14%Bank 5 10.2% 9.00%
Source of Credit MCRB SEDPI
n %Yes 49 27% 27%
Have source of credit
MCRB SEDPI
37
Delinquency
n %Delayed payment 5 38.5% 2.2%
Business was not profitable 3 23.1% 25.5%
Self or HH Member Got Sick 3 23.1% 25.2%
Used for Consumption 3 23.1% 19.2%Disaster 1 7.7% 6.0%
Causes MCRB SEDPI
7.2%% of Clients with at Least One Missed Payment
38
Actual and Desired Loan Amount
*Clients who do not like to have a new loan but want microinsurance and other financial services.
n % n %0* 0 0.0% 1 0.6%1 to 5,000 29 16.1% 21 11.7%5,001 to 10,000 76 42.2% 67 37.2%10,001 to 15,000 26 14.4% 28 15.6%15,001 to 20,000 15 8.3% 15 8.3%
20,001 to 25,000 5 2.8% 5 2.8%25,001 to 50,000 21 11.7% 33 18.3%50,001 to 100,000 4 2.2% 8 4.4%
100,001 to 250,000 1 0.6% 1 0.6%>250,001 3 1.7% 3 1.7%
Average
Actual Desired
24,249.44 31,832.78
Loan Amount
39
Desired Loan Term and Interest Rate
n %
0 1 0.6%
3 6 3.3%
4 3 1.7%
5 3 1.7%
6 137 76.1%
12 24 13.3%
18 1 0.6%
24 4 2.2%
36 1 0.6%
Average
# of Months MCRB
7.25
n %
0.00% 0 0.0%
0.01% to 1% 33 18.3%
1.01% to 2% 76 42.2%
2.01% to 3% 28 15.6%
3.01% to 4% 2 1.1%
4.01% to 5% 17 9.4%
5.01% to 10% 31 17.2%
>10% 10 5.6%
Average
Interest Rate MCRB
3.32%
40
Collateral that clients can give
n %Household Assets 88 48.9% 44.0%
Chattel Mortgage 35 19.4% 17.6%Savings 25 13.9% 5.3%Real Estate 24 13.3% 24.1%Co-maker 15 8.3% 10.7%
Character and discipline 5 2.8% 1.1%
Business permit 3 1.7% 0.8%Livestock 1 0.6% 3.6%
Salary 1 0.6% 0.3%
Trust 1 0.6% 0.4%
Guarantees or Collateral MCRB SEDPI