estimating micro-businesses' ability to pay estimating micro-businesses' ability to pay

110 Pages·2011·1.32 MB·English

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Authored by Shorebank International – Pakistan
The Pakistan Microfinance Network is an association of retail microfinance
providers. Our vision is to extend the frontiers of formal financial services to
all and mission is to support the sector, especially retail microfinance institutions
to enhance scale, quality, diversity and sustainability in order to achieve
inclusive financial services.
Estimating Micro-businesses’ Ability to Pay
Authored by ShoreBank International – Pakistan
First printed in 2011 in Pakistan
Copyright © 2011 Pakistan Microfinance Network
All rights reserved.
Designed and Produced by Headbumped Studio
The views expressed in this document are those of the authors and do not necessarily reflect the views and policies of the Pakistan
Microfinance Network (PMN) or the donors who have funded this study.
PMN does not guarantee the accuracy of the data and informa(cid:415)on included in this document and accepts no responsibility for any outcome
of their use.

ESTIMATING
MICRO-BUSINESSES’
ABILITY TO PAY
APRIL 2011
Authored by:
ShoreBank International – Pakistan
UK
from the Department for
International Development

Acknowledgements
This piece of research was funded by the Pakistan Microfinance Network
(PMN). The findings of this report have been researched by ShoreBank
International Limited – Pakistan (SBI-P).
I am deeply thankful to all the participants of this research initiative for sharing
their valuable time and for providing constructive feedback.
Thanks are also due to the management and branch staff of the Centre for
Women Cooperative Development (CWCD), Development Action for
Mobilization and Emancipation (DAMEN), the First MicroFinance Bank Ltd.
(FMFBL), the National Rural Support Programme (NRSP), Rural Community
Development Society (RCDS), Tameer Microfinance Bank Ltd. (TMFB), and the
Sarhad Rural Support Programme (SRSP) for their cooperation in obtaining
and providing quality data from clients. This research would not have been
possible without their support.
This research owes a great deal to the very capable team of Hina Ghaffar, Jamil
Ahmad, Yousaf Zond, and Ali Zeeshan. Special thanks are due to Hina Ghaffar
for developing effective tools for data collection and for her overall coordination
of the field work. I am also grateful to Ali Zeeshan for support in report writing
and developing the case studies that emerged from the field work.
Finally, I am thankful to Uzma Qureshi, Independent Consultant, Amjad Arbab,
Country Manager SBI-P, and Salim Jiwani, Head Microfinance Practice SBI-P for
their invaluable editorial input.
Afsheen Shakoor
ShoreBank International Limited – Pakistan
Estimating Micro-businesses’ Ability To Pay

Team Members
Afsheen Shakoor
Development of data input tool,
data authentication,
data analysis,
and report writing
Ali Zeeshan
Data collection,
data input,
report writing support,
and case studies
Amjad Ali Arbab
Editorial input
Hina Ghaffar Qureshi
Questionnaire development
and team coordination
Jamil Ahmad
Data collection,
data input,
and case studies
Muhammad Yousaf Zond
Data collection
and data input
Salim Jiwani
Editorial input
Uzma Qureshi
Editorial input
Estimating Micro-businesses’ Ability To Pay