Professional Documents
Culture Documents
INSTRUCTION TO ENUMERATOR: The RESPONDENT will be a borrower from a microfinance institution or lender in the area. Introduce the survey and its objective: to get information from clients that may be used to improve or enhance the access of the poor to microfinance services in frontier areas. Get the name of the person to be interviewed and establish rapport during the interview.
DATE OF INTERVIEW: TIME STARTED: TIME ENDED: NAME OF INTERVIEWER: FIELD EDITED BY/DATE :
To be filled up by Enumerator: 1. Interview Number: _________ 2. Name of Interviewer _______ 3. Distance of respondent/household from town proper or poblacion (estimated kilometers) : ____ 4. Distance of respondent/household from nearest main road (estimated kilometers): _____ 5. Type of road:
1 concrete 2 asphalt 1 yes 3 sand and gravel 2 no 4 earth/dirt
1 open well, springs, rivers 2 artesian well 3 piped water from local water district or local government
8. Is there regular land transportation (indicated by public transport such as jeepneys, tricycles, other means of road transport) 1 yes 2 no
A. PERSONAL INFORMATION
9. Name of Respondent _________________________________ 10. Address _____________________________________________________________________ 11. Sex: 1 male 2 female 1 single 2. married 10. Age: ________ 3 separated
4 widowed
14. Highest educational attainment: 1 no schooling 3 elementary graduate 4 some high school 6 some college 7 college graduate 8 Others ______________________, 15. Number of years living in residence ____ 16. Residential Land:
1 Owned
7 vocational
2 Rented 3 informal used without owners permission 4 informal used with owners permission 17. Dwelling: 1 rented 2 owned 3 informal, used without permission 4 informal, used with permission 1 nipa (thatch) 1 wood 1 earth 1 good 2 wood 2 average 2 iron sheet 2 concrete 3 concrete 3 other 3 other 4 other
B. SOURCES OF HOUSEHOLD INCOME Please identify which of the following are your income sources. (multiple responses) Regular Source of Income
sari-sari store
22 26 30 34 38 42 46 50 54 58 62 66 70 74 78 82 86 90
handcrafts Farming
livestock production
fishing
personal services (hair, massage) garments mechanic carpentry / metal work
125.
Next year, do you expect your total income to increase / decrease / or stay the same? 1 Increase 2 Decrease 3 Stay the same 4 Dont know
C. MICROENTERPRISE / BUSINESS (clients ME/SB) Item Microenterprise 1 Did you loan from an MFI for this 94 enterprise? (current or past) Number of years in operation 96 Amount of Starting Capital(PhP) 98 Total # of employees (including 100 relatives) Female Male 102 Number of children employed 104 Paid Unpaid 106 Number of Relatives/Family members 108 Paid Unpaid 110 Number of Full-time employees (paid & 112 unpaid) Number of Part time Employees (paid & 114 unpaid) Who manages the microenterprise / 116 business? 1 wife
2 3 4 5 6 husband joint husband-wife member of family hired person other 1 profitable 2 break even 3 not doing well
Microenterprise 2
95 97 99 101
103 105 107 109 111 113 115 117 1 wife 2 husband 3 joint husband-wife 4 member of family 5 hired person 6 other 119 1 profitable 2 break even 3 not doing well
118
D. PURPOSE OF MFI LOANS (Multiple Responses) Purpose of loans Food and daily needs Emergency needs Education Tools, equipment, machines (capital equipment) Microenterprise / business (working capital) Housing and housing repair Marriage, funerals Buy land Other YES (1) / NO (2)
120 121 122 123 124 125 126 127 128
Source
Relatives, friends 5/6 lenders Other Informal lenders Trader/input supplier Paluwagan (ROSCAs) Credit and savings cooperatives Other type of coop NGO Pawnshop Savings and loans association Rural / Thrift bank Local Government Unit (LGU) Government bank Government department/agency Others
130. 139. 148. 157. 166. 175. 184. 193. 202. 211. 220. 229. 238. 247. 256.
131. 140. 149. 158. 167. 176. 185. 194. 203. 212. 221. 230. 239. 248. 257.
132. 141. 150. 159. 168. 177. 186. 195. 204. 213. 222. 231. 240. 249. 258.
133. 142. 151. 160. 169. 178. 187. 196. 205. 214. 223. 232. 241. 250. 259.
134. 143. 152. 161. 170. 179. 188. 197. 206. 215. 224. 233. 242. 251. 260.
What is the basis for determining the maximum amount you could borrow from the MFI? ______________________________________________________________ On average how long does it take to get a loan (application/approval/receipt of funds)? _______ a. first loan ______________ b. repeat loan __________________ Do loan officers/lenders explain to you the terms and conditions of the loan? Disbursement Orientation 1 yes 2 no 3 sometimes 1 yes 2 no Do loan officers/lenders give you a copy of the promissory note for your records? 1 yes 2 no 3 sometimes Are you familiar with the Truth in Lending Act? 1 yes 2 no Do you receive truth in lending disclosure forms or discount statements together with the promissory note? 1 yes 2 no 3 sometimes In your opinion, which lenders in this area give the truth in lending disclosure forms/statements? (MULTIPLE ANSWERS) 1 NGO 2 Coop 3 Bank 4 None 5 Dont Know Where do you make regular payments? (current MFI loan) 1 Lenders office 2 During Center/Group meeting 3 Deposit to Lenders Bank Account 4 MFI Collector 5 Others, specify ______________________ Has the lender ever asked you for feedback regarding the quality of their loan products and services or new products and services? 1 yes 2 no Was the lender responsive to your suggestions or complaints? 1 yes 2 no 3 sometimes Does the lender have client representation on its Board of Directors? 1 yes 2 no 3 dont know Do you have access to computers/the internet? 1 yes 2 no Have you ever used a computer/the internet? 1 yes 2 no Do you have access to a cell phone? 1 yes 2 no Have you ever used a cell phone? 1 yes 2 no Enhancing Access to Microfinance Services in Frontier Areas
Survey Questionnaire for Clients of Microfinance Institutions
3 sometimes
266.
267.
268.
269.
270.
271.
272.
273.
274.
275.
276.
277.
If YES, Why? Reasons for borrowing (Write number code of responses)/multiple responses
280. 283. 286. 289. 292. 295. 298. 301. 304. 307. 310. 313. 316. 319.
279. 282. 285. 288. 291. 294. 297. 300. 303. 306. 309. 312. 315. 318.
Voluntary Savings
Not member
No ID
Dont trust
SAVINGS DEPOSITS with Rural/thrift banks Credit and savings coop Government banks Savings & loans associations
320. 331. 342. 321. 332. 343. 322. 333. 344. 323. 334. 345. 324. 335. 346. 325. 336. 347. 326. 337. 348. 327. 338. 349. 328. 339. 350. 329. 340. 351. 330. 341. 352.
353.
354.
355.
356.
357.
358.
359.
360.
361.
362.
363.
364. 375.
365. 376.
366. 377.
367. 378.
368. 379.
369. 380.
370. 381.
371. 382.
372. 383.
373. 384.
374. 385.
386.
387.
388.
389.
390.
391.
392.
393.
394.
395.
396.
397.
398.
399.
400.
401.
402.
403.
404.
405.
406.
407.
408.
409.
Reasons for Not Using Service if Available Not familiar with service Not applicable/ no need
Too far
1 YES/2 NO
Not member
No ID
Too costly
Dont trust
Remittance services (international) Domestic money transfer services Capital Build Up with MFI/Forced Savings Life insurance Medical and health insurance Accident and death benefit insurance Mutual benefit fund for members Others
410. 411. 412. 413. 414. 415. 416. 417. 418. 419.
420.
421.
422.
423.
424.
425.
426.
427.
428.
429.
430. 440.
431. 441.
432. 442.
433. 443.
434. 444.
435. 445.
436. 446.
437. 447.
438. 448.
439. 449.
450.
451.
452.
453.
454.
455.
456.
457.
458.
459.
460.
461.
462.
463.
464.
465.
466.
467.
468.
469.
470.
471.
472.
473.
474.
475.
476.
477.
478.
479.
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I.
BUSINESS DEVELOPMENT
a) PROBLEMS ENCOUNTERED IN RUNNING THE MICROENTERPRISE/ BUSINESS For each of the following potential problems, please state if it is a big, average, small or no problem for your business. 1= big problem; 2= medium problem; 3 = small problem; 4 = no problem. 1 480. 481. 482. 483. 484. 485. 486. 487. 488. 489. 490. 491. 492. 493. 494. 495. 496. 497. 498. Lack of capital Lack of access to working capital loans Lack of access to loans for acquisition of capital assets, etc Lack of marketing skills Weak demand for products being sold Difficulty in maintaining market share/competition Lack of management capacity or know how Lack of technical skills, e.g. food processing Deficient product packaging and design Lack of trained personnel/staff Lack of basic bookkeeping and accounting skills Lack of access to markets Insufficient infrastructure (power, roads) Insufficient post-harvest facilities High cost of borrowing High cost of raw materials and other inputs Non-availability of raw materials and other inputs Weak local (rural) economy Others, specify 2 3 4 N.A.
b). PLANS FOR DEVELOPING BUSINESS IN NEXT YEAR 499. 500. 501. 502. 503. Do you have plans to develop your business in the next year?
1 yes 2 no
11
12
c) TRAINING NEEDS Please identify the areas where you need training and assistance. Did you pay Have you for it? had How much 1 Yes 2 No previous Training need did it cost? training in Php this area? 1 Yes 2 No 503 504 505 Basic management skills 511 512 Bookkeeping and accounting 510 517 518 519 Product design and packaging 524 525 526 Developing market share/ Marketing skills 531 532 533 Finding new markets, Customers 539 540 Basic understanding of credit 538 and other funding sources 545 546 547 Business plan preparation and development 552 553 554 Customer/client relations 559 560 561 Technical skills (e.g. meat Processing, candy making, etc. please specify what skills are required) 566 567 568 Sourcing raw materials and other inputs 573 574 575 Others, please specify
527
528
529
530
534
535
536
537
541
542
543
544
548
549
550
551
555 562
556 563
557 564
558 565
569
570
571
572
576
577
578
579
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