Message-ID: <199512060301.BAA27340@rjo04.embratel.net.br> Date: Wed, 6 Dec 1995 01:01:24 -0200 From: Joaquim Moura <mailto:poa-bsb@CR-DF.RNP.BR> To: Multiple recipients of list DEVEL-L <mailto:DEVEL-L@AMERICAN.EDU>
Dear Friends:Some fellow subscribers asked me to send again this questionnaire about Social Bank and Micro Credit. I have sent it to 50 agencies, but just seven have answered, and even so just sending some newsletter or publications. I think we need methodic and plain answers, in order to organize the information in an useful way...
Let's see if any agency - among those subscribing this list - will dedicate some moments to answer the questions and inform our fellows also interested in developing issues. __________________________________________________________________
1. How long has your organization been lending to the poor?
2. In what locations does your organization currently make these loans? If possible, please indicate country, province, and town.
3. In what locations do you anticipate expanding these programs in the next five years?
4. What legal status is required in order for you to lend money to the poor? What other regulations must you follow? What government agencies enforce these regulations?
5. What are the sources of the capital for these loans? Please indicate the nature of the organization: government, private, development agency, individuals.
6. In what form is this capital provided: grant or subsidies, equity investment, debt?
7. If debt, what are the terms of repayment (interest, term, payment frequency, etc.)?
8. What is the distribution by percentage among these sources (e. g., 20% government grant, 13% multinational development bank, etc.)?
9. What conditions are imposed by the sources of funds or governmental agencies? (E.g., a source or the Central Bank might require that certain cash reserves be maintained, etc.)
10. How many loans were granted? (a) in the last year:____ (b) since the inception of the program:____
11. What was the total amount loaned? (a) last year:____ (b) Since inception:____
12. What was the largest loan amount issued? (a) last year:____ (b)Since inception:____
13. What was the average amount? (a) last year:____ (b)Since inception:____
14. Please provide the following information on loans to (a) to FIRST-TIME borrowers: (1) Limits on principal (Lowest):_______ Highest):_______ (2) Length of term (Lowest):_______ (Highest):_______ (3) Interest rate (Lowest):_______ (Highest):________ (4) Additional charges (please specify):________________________ (Lowest):_______ (Highest):_______ (5) Payment frequency (Lowest):_______ (Highest):_______ (b) to REPEAT borrowers: (1) Limits on principal (Lowest):____ (Highest):____ (2) Length of term (Lowest):____ (Highest):____ (3) Interest rate (Lowest):____ (Highest):____ (4) Additional charges (please specify):________________________ (Lowest):____ (Highest):____ (5) Payment frequency (Lowest):____ (Highest):____
15. What criteria are used to evaluate FIRST-TIME borrowers? Skills? Years of experience? Education? Literacy?
16. Do you require collateral? What kind?
17. What different criteria are used to evaluate REPEAT borrowers?
18. What different criteria are used for groups or organizations?
19. What kinds of groups are considered for loans besides cooperatives or businesses?
20. What is the distribution by percentage of loans made? (a) to individuals: (b) to groups or organizations:
21. How many (%) first-time borrowers re-apply for subsequent loans?
22. What increase in income levels can be attributed to this lending activity?
23. How many (and percentage) business borrowers employ individuals outside the family?
24. What increase or evolution in organizations of this kind are made possible by these loans?
25. How many jobs have been created by these loans?
26. What is the statistical borrowers' distribution per (a) gender: M % F % (b) age: < 25:___%; > 25 < 35:___%; > 35 < 45:___%; > 45 < 60:___%; > 60:___%
(c) school level: none:___%; elementar:___%; high school:___%; university:___%27. What is the statistical distribution per kind of enterprise (a) individual:____%; (b) family:____%; (c) group of entrepreneurs:____%; (d) cooperative:____%
28. What is the statistical distribution per main services provided and/or products made and/or sold? (a)__________________________________ _____% (b)__________________________________ _____% (c)__________________________________ _____% (d)__________________________________ _____%
29. What is the default rate by the categories above? (a)__________________________________ _____% (b)__________________________________ _____% (c)__________________________________ _____% (d)__________________________________ _____%
30. What is the default rate (%) by borrower cathegory? (a) individual:____%; (b) family:____%; (c) group of entrepreneurs:____%; (d) cooperative:____%
31. How often do you reschedule payment terms?
32. What criteria are used to evaluate these situations?
33. When a borrower defaults on a loan, how (or by whom) are the funds replaced?
34. What are the main functions directly involved with the microloan activities, their basic activities, hierarchy, and number of people presently engaged?
35. What is the main training schedule the agents and managers must attend in order to develop their duties?
36. Is there some basic training the borrowers must attend to be able to receive their loans?
37. Please summarize the main lessons your community bank project has learned from its experience:
38. Please summarize your evaluation of last past years' activities and your expectations about next years' expectations. Please be as explicit as possible about the financial aspects, indicating whether your small production loan program is already self-sufficient and economically viable or if it still depends on external funding for its maintenance and for how long etc.
39. Do you consider your program a replication of the Grameen Bank model? What are the main differences?
40. We would also appreciate copies of one or two actual loan files, including any application forms filled out by applicants, evaluation forms, recommendations, follow-up forms and procedures, and so on. If this is possible, please black out any personal identification information so that your clients' confidentiality will be preserved.
Your kind collaboration will return to you in the form of a report summarizing your colleagues' results and experiences. We trust this interchange will be positive for everybody. Thank you very much. Joaquim Moura (Brasilia) and Lew Guerin (Chicago).
Partners of the Americas Brasilia DF / Washington DC Committee
______________________________________________________________ Joaquim Moura (all the controversial opinions are just personal) Youth & Citizenship Development Commission Partners of the Americas - Brasilia / Washington DC Committee SHCGN 713 - Bloco I - Apt. 202 - 70760-739 - Brazil Phone (55 61): 414-1904 (w); 273-5613 (h); 414-1898 (fax)