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Microfinance Poverty Assessment Tool [Pehme köide]

  • Formaat: Paperback / softback, 224 pages
  • Ilmumisaeg: 31-Oct-2003
  • Kirjastus: World Bank Publications
  • ISBN-10: 0821356747
  • ISBN-13: 9780821356746
Teised raamatud teemal:
  • Formaat: Paperback / softback, 224 pages
  • Ilmumisaeg: 31-Oct-2003
  • Kirjastus: World Bank Publications
  • ISBN-10: 0821356747
  • ISBN-13: 9780821356746
Teised raamatud teemal:
The Microfinance Poverty Assessment Tool was developed as a much-needed tool to increase transparency on the depth of outreach of microfinance institutions (MFIs). It is intended to assist donors and investors to integrate a poverty focus into their appraisals and funding of financial institutions through a more precise understanding of the clients served by these institutions. Used in conjunction with an institutional appraisal of financial sustainability, governance, management, staff and systems, a poverty assessment allows for a more holistic understanding of an MFI.The Tool provides accurate data on the poverty levels of MFI clients relative to people living in the same community. It uses a more standardized, globally applicable, and rigorous set of indicators than those used by conventional microfinance targeting tools. The tool employs principal component analysis to construct a multidimensional poverty index that allows the poverty outreach of MFIs to be compared within and across countries. Originally field tested in four countries on three continents, it has subsequently been applied by microfinance donors and MFI networks in numerous other countries.Although the Microfinance Poverty Assessment Tool was designed for microfinance, it can also be used to measure the poverty levels of clients of other development programs.
Foreword xv
Acknowledgments xvi
PART I: OVERVIEW
Poverty Assessment of Microfinance Institutions
1(18)
Intended users
2(1)
Manual layout
3(1)
Study parameters and choice of an indicator-based methodology
3(2)
Methodological steps
4(1)
Multiple dimensions of poverty and their implications
5(1)
Development of a generic questionnaire
5(2)
Selection criteria for indicators
5(1)
Purpose of field testing
6(1)
Indicators chosen for questionnaire
6(1)
Methodology overview
7(4)
Using principal component analysis to develop the poverty index
7(2)
Using the poverty index
9(2)
Relative versus absolute poverty
11(1)
Interpreting results
11(4)
Selected results of test case studies
11(3)
Overall comparative results
14(1)
Summary
15(4)
PART II: PLANNING AND ORGANIZING THE ASSESSMENT
Planning and Organizing the Assessment
19(12)
Guidelines for contracting the assessment
19(3)
Responsibilities of the researcher
20(1)
Sequencing project payments
21(1)
Determining the required time frame
22(1)
Allocating the poverty assessment budget
22(2)
Personnel, logisitical, and performance issues affecting field implementation
24(7)
PART III: COLLECTING SURVEY DATA
Developing the Sample Design
31(16)
Step 1: Define the population and sampling unit
31(4)
Household as the basic sampling unit
32(1)
Determining a feasible survey area
33(2)
Step 2: Construct the MFI-based sampling frame
35(2)
Cluster sampling for new MFI clients
35(1)
Determining required clustering stages
36(1)
Step 3: Determine appropriate sample size
37(1)
Step 4: Distribute the samples proportionally
38(4)
Probability-proportionate-to-size sampling (PPS)
39(1)
Equal-proportion sampling (EPS)
40(1)
EPS method applied to client groups
41(1)
Step 5: Select the actual sample
42(3)
Random sampling within clusters
42(1)
Random sampling of nonclient households: The random walk
42(3)
Describing each survey site
45(2)
Adapting the Poverty Assessment Questionnaire to the Local Setting
47(26)
Identifying local definitions of poverty
47(1)
Introducing the study and screening households
48(2)
How to introduce the study
48(1)
Screening households for applicability
49(1)
Type of respondent and preferred interview venue
50(1)
The survey form
50(17)
Section A: Documenting households through identification information
51(2)
Section B: Family structure
53(3)
Section C: Food-related indicators
56(4)
Section D: Dwelling-related indicators
60(4)
Section E: Other asset-based indicators
64(3)
Customizing the questionnaire
67(2)
Guidelines for writing well-worded questions
68(1)
Pre-coding the questionnaire
69(4)
Training the Field Survey Team
73(12)
Stage 1: Summarize the background, purpose, and metholodogy of the survey
73(5)
Discuss the purpose of the study
73(2)
Discuss the sampling frame used for identifying households
75(2)
Present the field implementation plan
77(1)
Define role of the interviewer and review principles of good interviewing
77(1)
Discuss major sources of error in the field and how to correct for these errors
77(1)
Stage 2: Understand content of the questionnaire
78(2)
Stage 3: Standardize translation of questionnaire into local language(s)
80(1)
Stage 4: Practice interviewing in local language(s)
80(1)
Stage 5: Pretest the questionnaire
81(4)
PART IV: ANALYZING THE DATA
Managing the Survey Data
85(18)
Data file structures and database design
85(2)
Structuring data files
85(1)
Linking files within a relational database
86(1)
General organization of SPSS
87(3)
Main menu bar
87(1)
SPSS views
88(2)
Data-entry methods for survey data
90(2)
Preparation of data-entry forms and file documentation
90(1)
Entering the data
91(1)
Making electronic backups
92(1)
Cleaning the data
92(2)
Data cleaning procedures
93(1)
Correcting data errors
94(1)
Using SPSS procedures to clean data
94(5)
Locating cases with data errors
94(2)
Frequencies
96(2)
Descriptives
98(1)
Box plots
99(1)
Suggested data-cleaning routines
99(4)
Household data file (F1)
99(2)
Adult data file (F2)
101(1)
Child data file (F3)
101(1)
Asset data file (F4)
101(2)
Working with Data in SPSS
103(12)
Methods for aggregating data to generate new variables in SPSS
103(5)
SPSS aggregate data function
104(1)
Aggregating old variables to generate new variables
105(3)
Saving output as new files
108(1)
Merging files
108(2)
Transforming variables to recode data
110(1)
Data procedures for computing new variables
111(2)
Summary
113(2)
Conducting Descriptive Data Analysis
115(10)
Testing for significant differences between client and nonclient households
115(1)
Cross tabulation and the chi-square test
115(5)
How cross tabulation is applied
115(2)
Cross tabulation in SPSS
117(2)
Interpreting a cross-tabulation table
119(1)
Conducting specific analysis using cross tabluations
119(1)
The t-test on difference between means
120(3)
How the t-test is applied
120(1)
SPSS procedure for running a t-test of means
121(1)
Conducting specific analysis using the t-test of means
122(1)
Summary
123(2)
Developing a Poverty Index
125(30)
Statistical procedures for filtering poverty indicators
125(5)
Linear correlation coefficient
125(2)
Using SPSS to measure linear correlation
127(1)
Interpreting an SPSS correlation table
128(1)
Selecting variables to test for correlation
128(2)
Using principal component analysis to estimate a poverty index
130(1)
Statistical tools used in creating a poverty index
131(9)
Step 1: Select a screened group of indicators
131(1)
Step 2: Run a test model and interpret the results
132(2)
Step 3: Revising the model until results meet performance requirements
134(6)
Step 4: Saving component scores as a poverty index variable
140(1)
Properties of the poverty index variable
140(1)
Checking index results
141(3)
Using relative poverty terciles to interpret the poverty index
144(4)
Defining the poor within the local population
144(1)
SPSS procedures for creating poverty terciles
144(4)
Assessing MFI poverty outreach by poverty groupings
148(7)
PART V: INTERPRETING THE RESULTS
Interpreting the Results of a Poverty Assessment
155(14)
Comparing results at the local, area, and national levels
155(9)
Comparing poverty at the local level
156(1)
Comparing poverty of the MFI operational area to national poverty levels
156(6)
Comparing poverty at the national level
162(2)
Comparing assessment results against the mission and objectives of an MFI
164(1)
Reporting the findings
165(4)
Appendix 1 Alternative Approaches to Assessing Poverty
169(5)
Detailed household expenditure survey
169(2)
Rapid appraisal and participatory appraisal
171(1)
Indicator-based method
171(3)
Appendix 2 List of Poverty Indicators and their Rankings
174(5)
Ranking of poverty indicators
175(1)
Indicator group 1: Means to achieve welfare
175(1)
Indicator group 2: Basic needs
176(1)
Indicator group 3: Other aspects of welfare
177(2)
Appendix 3 Recommended Questionnaire
179(5)
Section A: Household indentification
179(1)
Section B: Family structure
180(1)
Section C: Food-related indicators
181(1)
Section D: Dwelling-related indicators
182(1)
Section E: Other asset-based indicators
183(1)
Appendix 4 UNDP Human Development Index (HDI), 2000
184(5)
High human development
184(1)
Medium human development
185(2)
Low human development
187(1)
All developing countries
188(1)
Appendix 5 Data Template File Information
189(14)
File information: F1householdtemplate.sav
189(7)
File information: F2adulttemplate.sav
196(3)
File information: F3childtemplate.sav
199(1)
File information: F4assetstemplate.sav
200(3)
Glossary of Statistical Terms 203(2)
Bibliography 205