QUESTIONNAIRE FOR FEDERATIONS:

1. Profile of the Federation:

1.1 Name & Address:
1.2 Date of Estd:
1.3 Number of Members (when Estd)
1.4 Number of Members (groups or VO’s) (as on date)
1.5 Number of Individual Members (as on date):
1.6 Structure of the Federation: 2 Tier 3 Tier
1.7 Total No of groups present in the region:
1.8 Number of Villages Federation is working with:
1.9 Number of Villages in the Mandal:
1.10Number of Board of Directors (profile):
 2. Financial Intermediation
2.1 Does the Federation do Financial Intermediation:
2.2 What are the sources of funds to the federation. a. Promoting Agency b. Govt
of AP c. Banks d. Others
2.3 The cumulative amount of Grants and funds
received by the federation.
2.4 What were the funds used for a. Lending to groups b. External lending c.
Income generating activities d. Others
2.5 Are you satisfied with the amount of grants and funds released so far Y/N
2.6 Does the Federation have a Bank Linkage Yes No
2.7 What is the Basis of lending: Group Individual
2.8 What is the Average Loan Size:
2.9 What is the Maximum and Minimum loan amount?
2.10How many groups have accessed loans till date
2.11What is the Interest rate charged:
2.12Number of installments provided for repayment:
2.13Basis for fixing installments: a. Loan Size b. group c. any others
2.14What is the Mode of Payment: a. Cheque b. DD c. cash d. Others
2.15Average number of days taken for finalizing loans (from the day
of filing application)
2.16Details of Loans disbursed for the past 2 years.
S no Groups Name Amount in (Rs Purpose Date of Repayed Outstanding
000)/Installments lending date/ Amt
1.
2.
3.
4.
5.
6.
7.
8.
9.
1
0.
1
1.
1
2.
1
3.
1
4.
1
5.
1
6.
1
7.
1
8.
1
9.
2
0.
2
1.
2
2.
2
3.
2
4.

2.17The repayment is done a. Monthly b. Weekly c. Fortnight d. quarterly

2.18The repayment is made regularly a. Principal + Interest b. Only Interest c.
Only Principal d. Both made irregularly
2.19The payments are made in a. Time b. Delayed by Month c. Delayed by 2
months d. 3 months and above.
2.20Are there any defaulters. Yes No
 2.21Number of Defaulters in the past 2 years.
2.22Who signs on the cheques to grant loans a. Board of director’s b. Director and
Manager C. Manager only d. Others
2.23Do you have any mechanism to control defaults? Yes No.
2.24What is the control Mechanisms? a. Fines b. No second loans c. High
Interest on second loan d. Interest Hike for present loan.
2.25Are the rules/ Norms enforced to control defaults/ late payments?
2.26Are the Mechanisms effective to ensure repayments? Yes No

2.27Balance sheet and Statement of Income and Expenditure.

3. AUTONOMY
3.1 Who makes strategic decisions in the federation a. BOD b. Promoting
agency c. Management staff d. Members as a whole
3.2 Is the federation influenced by external agencies Yes No ____
3.3 Who are the parties that influence decision making a. Promoting Agency
b. Staff c. Village level politician’s d. Community organizers.
3.4 Who frame the policies. a. BOD b. Promoting Agency c. Govt agency d.
Others
3.5 Who recruits the staff of the federation
3.6 Who makes payment of salaries to the staff
3.7 Who fixes the wages of the staff.
3.8 Who decides on the expenditures to be made by the federation?

4. The Governing Body.

4.1 Are the elections in accordance with the by-laws
4.2 What is the span of the board?
4.3 Who elects the President
4.4 Criteria for fixing the number of board members.
4.5 Is the board changing or static
4.6 How many members have been changed since inception
 4.7 What is the methodology adopted in selecting board members
4.8 Is the process totally fair
4.9 Who are the parties that influence the electoral process
4.10Do the board members get involved in politics
4.11Does the promoting agency influence the boards elections
4.12Critical issues that are involved in the election process
4.13Does education of the members play a vital role in the board’s election.
4.14What is the perception of the board about having educated (in terms of formal
education) members?
4.15Does the board comply with the by-laws
4.16Who holds the key position in the board
4.17Is the board aware of its roles and responsibilities.
4.18How do you make the change after the first term in case it is a revolving
board.
4.19Do the board members play active role in spreading the awareness among
people about shg federations.
4.20Perception of the people about the board.
4.21Are there any instances of a board member charged or alleged for
malpractices.
4.22Are the elections held on time.

5 Staffing and recruitment

5.1 What the strength of the staff in the federation
5.2 What are there designations
5.3 Since how long has the staff been with the federation
5.4 Who recruits the staff.
5.5 Is there any performance appraisal mechanism for the staff
5.6 Who does the performance appraisal
5.7 Does the staff have clarity about their job profile
5.8 Does the staff get involved in decision making of the federation
5.9 Who holds the key position among staff members
 5.10Has the staff changed since inception
5.11 If not why haven’t you changed the staff
5.12 If yes what are the reasons for changing the staff
5.13 Is their any additional perks given by the federation
5.14 Are the compensation policies fair.
5.15 How important is the staff in running the business (rate on a 5 point scale)
5.16 Does the staff play a role in getting bank linkages.
5.17 Do you offer any training packages for enhancing the skills of the staff
5.18 Who pays for their training
5.19 Do you feel the staff requires such training programmes
5.20 Have they imparted any learnings to the members of the federation
5.21 Are the records updated by the staff
5.22 Is their any grievance redressal mechanism for the staff.
5.23 How do sort problems with the staff if any.
5.24 Will you be able to manage if the present staff is retrenched or transferred.

6. Management Information Systems

For the groups

S. List of Change
No. Dynamics No Less Moderate More Decrease
2. Credit is easily available
3. Access to formal institutions
4. Free from money-lenders
5. Access to Pro-poor prog.
6. Employment Generation
7. Independent life
8. Education levels improved
9. Habit of savings
10. Health Status improved
11. More expenditure on food
12. Indebted
13. Self-confidence
 14. Decision Making power
15. Representation in other groups
16. Leadership qualities
17. Group solidarity
18. Other (specify) ________________

CHECK LIST TO INTERVIEW THE BANK OFFICIALS.

1. Name of the Bank

2. Address
3. Managers name
4. Date of joining the Branch
5. SHG federation linkage when was it established
6. Loan disbursement policy
7. Size of loans
8. Number of lendings per SHG federation
9. Does the bank lend to VO, Shg groups as well.
10. Political and policy thrust over loan disbursements
11. Repayment Patterns
12. Remedies for laxity in repayments
13. Any measures taken in the past to control defaults
14. Criteria for disbursement of loans
15. Variations if any across socio/economic classes.
16. loan disbursed in the past 3 yrs….month wise…to federations…

CHECKLIST FOR VO

1. Performance of VO’s
2. By laws
3. Election of board
4. Leadership
5. Bank linkage
6. Saving/ credit policy to the groups
7. Activities performed, apart from savings/credits
8. Balance sheet and Income / Expenditure statements of last 3 years
9. Loan disbursement details
10. Repayment scheduling
11. Awareness of board members regarding their functions/ funding/ purpose.
12. Minutes of the last two meetings/ when and where are these held
13. SWOT analysis of the federation by the members themselves
14. The effects perceived by the members after formation of the federation
15. What if promoter withdraws?