Message-ID: <9507190441.AA28867@cr-df.rnp.br> Date: Wed, 19 Jul 1995 01:41:22 EST From: Companheiros das Americas <mailto:poa-bsb@CR-DF.RNP.BR> Subject: social bank brazilian research To: Multiple recipients of list DEVEL-L <mailto:DEVEL-L@AMERICAN.EDU>
SOCIAL BANKING RESEARCH
To the agencies that have microenterprise programs lending money to the poor.
(the agencies listed below will receive this questionnaire in its printed
version. If they also access this list, please choose the way you prefer
to answer)
_______________________________________________________________
Partners of the Americas is the largest private volunteer organization working
in the Americas and linking together skilled professionals from the United
States to others from Latin America and the Caribbean. The partnerships work in
collaboration to help the poor to empower themselves. Our chapter in Brasilia
is a nonprofit, private, civil organization founded in 1966 with its US partner
chapter, in Washington DC.
We are increasingly involved with promoting the social development of the
poorest communities around Brasilia, the capital of Brazil. We focus our help
mainly on the children, the youth and the women. We strive to raise the level
of local self-sufficiency, self-employment, income generation, better nutrition,
professional training, environmental awareness and citizenship participation.
Our projects are designed and implemented in collaboration with the
communities' population, the local government and other Brazilian and foreign
NGOs.
Because of the information we daily gather on the Internet, we have been asked
by both federal and local governmental officers to play a special role in
designing our first community banks. In the last two months we have identified
several international (and some national) agencies focusing on social banking
and small loans using the Grameen model as well as others.
We thus request that you please fill out the attached questionnaire. Feel free
to add any information which you feel would be beneficial to our project. We
also will welcome the opportunity to discuss matters in person.
The information you provide will help greatly in designing our community banks.
In addition, we plan to organize and publish the information we receive so that
others, in Brazil and abroad, will have access to it both printed and
electronically.
Please, understand, the questions are just a means for you to transmit your
experience and knowledge. Please, You may answer them as you see fit, filling
in the form or sending us your publications and/or other communicative media.
Thank you for your consideration,
Sincerely,
Joaquim Moura
PARTNERS OF THE AMERICAS
Brasilia DF / Washington DC Committee
Youth and CItizenship Development Comission
SHCGN 713 - BLOCO I - APT. 202 - 70760-739 - BRASILIA DF - BRAZIL
e-mail: mailto:poa-bsb@cr-df.rnp.br
#####################################################
QUESTIONNAIRE ON SMALL LOANS PROGRAMS
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 / Washingto DC Committee
#######################################################
List of Agencies which will receive this questionnaire
in its printed version:
Accion International
130 Prospect Street
Cambridge, MA 02139 USA
tel: (617) 492-4930
fax: (617) 876-9509
affil: InterAction, Alliance, USAID
or
Kathy Stearns
733 15th Street NW
Washington DC and/or
ADRA - Adventist Development and Relief Agency International
12501 Old Columbia Pike
Silver Spring, MD 20904 USA
tel: (301) 680-6380
fax: (301) 680-6370
affil: InterAction, USAID, ICVA
AMARDESH
House No. 33
Road No. 1A
Banani Model Town
Dhaka - 1213
Bangladesh
tel: (+880 2) 602 697
American Jewish World Service
15 West 26th Street, 9th Floor
New York, NY 10010 USA
tel: (212) 683-1161
fax: (212) 683-5187
affil: InterAction, Alliance, USAID
American Near East Refugee Aid, Inc. (ANERA)
1522 K Street NW #202
Washington, DC 20005 USA
tel: (202) 347-2558
fax: (202) 682-1637
affil: InterAction, Alliance, USAID
Appropriate Technology International
1828 L Street, NW
Suite 1000
Washington, D.C. 20036 USA
tel: (202) 293-4600
fax: (202) 293-4598
affil: InterAction, Alliance, USAID
CARE (Cooperative for Assistance and Relief Everywhere)
151 Ellis Street
Atlanta, GA 30335 USA
tel: (404) 681-2552 - (800) 422-7385
fax: (404) 577-5977
affil: InterAction, Alliance, USAID
Bread for the World
1100 Wayne Avenue, #1000
Silver Spring, MD 20910 USA
tel: (301) 608-2400
fax: (301) 608-2401
e-mail: mailto:bfw@gmuvax.gmu.edu
affil: InterAction, Alliance
Catholic Relief Services - CRS
209 West Fayette Street
Baltimore, MD 21201-3403 USA
tel: (410) 625-2220
fax: (410) 685-1635
affil: InterAction; USAID
Christian Children's Fund
2821 Emerywood Parkway
P.O. Box 26484
Richmond, VA 23261-6484 USA
tel: (804) 756-2700
fax: (804) 756-2718
affil: InterAction, Alliance, USAID
Citizens Network for Foreign Affairs
1111 19th Street, NW
Suite 900
Washington, D.C. 20036 USA
tel: (202) 296-3920
fax: (202) 296-3948
e-mail: mailto:gallar@cnfa.mhs.compuserve.com
affil: InterAction, Alliance
Corporacion por la Mujer - Fundacion Carvajal
Apartado 6178
Avenida 2< Norte # 2-22
Cali - Colombia
Coordinator: Ana Enriquez Bolanos
Jorge Ivan Resptrepo (Fellows VII)
Reference: Barbara Bloch
Delphi International
1090 Vermont Avenue, NW
7th Floor
Washington, D.C. 20005 USA
tel: (202) 898-0950
fax: (202) 842-0885
affil: InterAction
Food for the Hungry, Inc.
7729 East Greenway Road
Scottsdale, AZ 85260 USA
tel: (602) 998-3100 - (800) 2HUNGER
fax: (602) 998-4806
affil: InterAction, Alliance, USAID
Enterprise Development Centre,
Malcolm Harper,
Cranford School of Management, Cranfield,
Bedford, U.K., MK43 0AL
Reference: DEVEL-L
Institute for Enterprise Education
124 Benfield Drive
Brighton Office Bldg. 1st. Floor
St. Catharines, Ontario
Canada L2S 3W5
Telephone (905) 688-5757
Fax: (905) 688-3502
e-mail: mailto:keloucks@spartan.ac.brocku.ca
FINCA - Foundation for International Community Assistance
901 King Street
Suite 400
Alexandria, VA 22314 USA
tel: (703) 836-5516
fax: (703) 836-5366 - (703) 591-0357
affil: InterAction, USAID
Ruper Scofield - Reference: Barbara Bloch
Freedom from Hunger
1644 DaVinci Court
Davis, CA 95617 USA
tel: (916) 758-6200
fax: (916) 758-7480
affil: InterAction, USAID
Grameen Bank - Grameen Trust
Mirpur Two
Dhaka 1216
Bangladesh
tel: 011 (+880 2) 801-138
fax: 011 (+880 2) 803-559
Inter-Action
Stephanie Gordon, InterAction,
1717 Massachusetts Avenue, NW,
Suite 801, Washington, DC 20036
Phone (202) 667-8227
Fax: (202) 483-7624
www.vita.org/iaction/ianction.html
International Orthodox Christian Charities (IOCC)
711 W. 40th Street
Suite 306
Baltimore, MD 21211 USA
tel: (410) 243-9820
fax: (410) 243-9824
e-mail: mailto:iocc@apc.org.igc
affil: InterAction, Alliance, USAID
International Institute of Rural Reconstruction
475 Riverside Drive, Room 1270
New York, NY 10115 USA
tel: (212) 870-2992
fax: (212) 870-2981
affil: InterAction, Alliance, USAID
Katalysis North/South Development Partnerships
1331 N. Commerce Street
Stockton, CA 95202 USA
tel: (209) 943-6165
fax: (209) 943-7046
affil: InterAction, USAID
Lutheran World Relief
390 Park Avenue South
New York, NY 10016-8803 USA
tel: (212) 532-6350
fax: (212) 213-6081
affil: InterAction, Alliance, USAID, ICVA
MANUSHI
Prabha Thacker
MANUSHI for Sustainable Dev.
Gyaneshwar, Kathmandu, Nepal
Opportunity International
360 Butterfield Rd., Suite 110
Elmhurst, IL 60126 USA
tel: (708) 279-9300
fax: (708) 279-3107
affil: InterAction, Alliance, USAID
Oxfam America
26 West Street
Boston, MA 02111 USA
tel: (617) 482-1211
fax: (617) 728-2594
affil: InterAction, Alliance
or
Rob Buchanan - PO Box 2176
Boston MA 021106-9986
PACT (Private Agencies Collaborating Together)
1901 Pennsylvania Avenue, NW, Suite 501
Washington, D.C. 20006 USA
tel: (202) 466-5666
fax: (202) 466-5669
affil: InterAction, Alliance, ICVA
Pan American Development Foundation (PADF)
1889 F Street, NW
Washington, D.C. 20006 USA
tel: (202) 458-3969
fax: (202) 458-6316
affil: InterAction, USAID
Promocion del Desarrollo Popular
Tlaloc 40-3, Colonia Anahuac
2do. piso 11370
Mexico 17 D.F.
Mexico
tel: (+52 5) 566 4265 or 535 0325
fax: (+52 5) 592 1989
affil: ALOP
RESULTS, Inc.
236 Massachusetts Avenue, NE
Suite 300
Washington, D.C. 20002 USA
tel: (202) 543-9340
fax: (202) 546-3228
affil: InterAction, Alliance
Save the Children
54 Wilton Road
Westport, CT 06880 USA
tel: (203) 221-4000
fax: (203) 222-9176
affil: InterAction, Alliance, USAID
Self Employment Women's Association
SEWA - Reception Centre
Ela Bhatt - c/o Gandhi Majoor Sewalaya
Opposite Victoria Garden
Bhadra
Ahmedabad
Gujart 380001 - INDIA
Sony Chin, Director
Institute of Primary Health Care
Bajada, Davao City, Philippines 8000
Society for International Development
1401 New York Ave. NW
Washington D.C. 20005
Technoserve
49 Day Street
Norwalk, CT 06854-3106 USA
tel: (800) 999-6757
fax: (203) 838-6717
affil: InterAction, Alliance, USAID
The Develoopment Group for Alternative Policies
Tony Avirgan
1400 I St. m NW
Suite 520
Washington D.C. 20005
Trickle Up Program
54 Riverside Drive, PHE
New York, NY 10024-6509 USA
tel: (212) 362-7958
fax: (212) 877-7464
affil: InterAction
VITA - Volunteers in Technical Assistance
1600 Wilson Boulevard, Suite 500,
Arlington, Virginia 22209.
Volunteers in Overseas Cooperative Assistance (VOCA)
50 F Street, NW, Suite 1075
Washington, D.C. 20001 USA
tel: (202) 383-4961
fax: (202) 783-7204
affil: InterAction, USAID
World Neighbors,
4127 NW 122nd,
Oklahoma City, OK 73120-8869, USA
e-mail: mailto:jethro@wn-okc.mhs.compuserve.com
World Relief
International Headquarters:
450 Gundersen Drive
Carol Stream, IL 60188 USA
Mail: P.O. Box WRC
Wheaton, IL 60189
tel: (708) 665-0235
fax: (708) 653-8023
affil: InterAction - CMRA; Alliance, USAID
World Vision
919 West Huntington Drive
Monrovia, CA 91016 USA
tel: (818) 357-7979
fax: (818) 303-7651
affil: InterAction, Alliance, USAID
Women's World Bank
Volunteers in Technical Assistance
1600 Wilson Boulevard, Suite 500,
Arlington, Virginia 22209.