INTERVIEW #_____

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

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 :

_______________________________ _______________________________ _______________________________ _______________________________ ________________________________

OFFICE-BACK CHECKED BY: ______________________________

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

6. Presence of electricity in area: 7. Source of water of households:

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

12. Civil status:

13. Number of Dependents______ Number of Children______

Number of Dependents at home_____ Number of Children at home______

2 some elementary 5 high school graduate

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

1a Owned with title 1b Owned with mortgage 1c CLOA 1d Tax declaration

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

18. Roof 19. Walls 20. Floor 21. Overall condition

3 poor / needs repair

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

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

Yes (1) No (2)

23 27 31 35 39 43 47 51 55 59 63 67 71 75 79 83 87 91

Income Flow Frequency

24 28 32 36 40 44 48 52 56 60 64 68 72 76 80 84 88 92

Amount (P) / Flow

25 29 33 37 41 45 49 53 57 61 65 69 73 77 81 85 89 93

Annualized Amount (P) (gross)

Trading/buy & sell

food processing and vending

handcrafts Farming
livestock production

fishing
personal services (hair, massage) garments mechanic carpentry / metal work

Wage earner/ construction

office work household work farm labor remittances Transport services Others(specify)

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

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

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

Performance of microenterprise / business

118

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

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

125. 126. 127.

Who borrows the money? (signs the loan agreement)

1 wife 2 husband 3 wife and husband 4 other family members other

Who manages the money after it is borrowed?

1 wife 2 husband 3 wife and husband 4 other family members other

Who manages the money other than the amount borrowed?

1 wife 2 husband 3 wife and husband 4 other family members other

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

E. BORROWING EXPERIENCE IN THE LAST TWELVE MONTHS

Borrowed from this source? 1 YES 2 NO 128. 137. 146. 155. 164. 173. 182. 191. 200. 209. 218. 227. 236. 245. 254. Number of times borrowed from this source 129. 138. 147. 156. 165. 174. 183. 192. 201. 210. 219. 228. 237. 246. 255. Latest loan amount availed Php Interest rate (monthly) % Total service fees and other charges Php Required Insurance premium Php Term of the loan ( number of months) Amount of forced savings / required capital build up PhP 135. 144. 153. 162. 171. 180. 189. 198. 207. 216. 225. 234. 243. 252. 261. Is collateral or guarantee required? 1 YES 2 NO 136. 145. 154. 163. 172. 181. 190. 199. 208. 217. 226. 235. 244. 253. 262.

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.

Please specify Others:___________________________________________________________________________

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

263. 264. 265.

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.

F. EXPECTED FUTURE BORROWING

Source Relatives, friends 5/6 lenders Other Informal lender Trader/input supplier Paluwagan (ROSCAs) Credit and saving coop Other type of coop (agricultural, marketing) NGO Pawnshop Savings and loans association Rural/ Thrift bank Local Government Unit (LGU) Government bank Government department/agency Reason for borrowing from source
1= accessible near/ our place 2= quick processing of loan 3= low interest rate 4= the only available source in my area of operation 5= no paper work required 6= familiarity with this source/has information about this source 7= can give bigger loan 8= helps me market my products/buys my products 9= does not demand collateral 10- friendly service Do you expect to borrow from this source in the next 12 mos.? 1 YES 2 NO
278. 281. 284. 287. 290. 293. 296. 299. 302. 305. 308. 311. 314. 317.

If YES, How much do you want to borrow?

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.

Please specify Other:__________________________________________________________________________________________________

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

G. VOLUNTARY SAVINGS (client his/herself)

Do you have savings in this form?
1 YES/2 NO

Voluntary Savings

Do you have access to this type of savings?

1 YES/2 NO

Do you want access? Too far

1 YES/2 NO

Reasons for Not Using Service if Available Low interes t rate

Not member

No ID

Minimum too high

Dont trust

No Not savings aware

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.

Time deposits with rural/thrift/Govt banks Time deposits with Coops

Voluntary Savings with NGOs Paluwagan (ROSCA) Savings in-kind (eg. farm animals, jewelry) Other

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.

Please specify Other:______________________________________________________________________

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

H. OTHER FINANCIAL SERVICES (client his/herself)

Do you have access to this type of service?
1 YES/2 NO

Type of financial service

Do you avail of this service?

1 YES/2 NO

Do you want access?

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.

Please specify Other: ___________________________________________________________________________

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

10

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

Sell more products or services

1 yes 2 no

Add new products or services

1 yes 2 no

Expand sales or service area

1 yes 2 no

Hire new employee

1 yes 2 no

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

11

504. 505. 506. 507. 508. 509. 510.

If yes, number of new employee(s) ______ Purchase tools / equipments / machinery

1 yes 2 no

Get training / improve skills

1 yes 2 no

Linkages for marketing products or services

1 yes 2 no

Establish another microenterprise / business

1 yes 2 no

Close existing business

1 yes 2 no

Other, specify ______________________________________________

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

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

Do you need training in this area? 1 Yes 2 No

506 513 520

Is training available to you in this area? 1 Yes 2 No

507 514 521

Who provides this training?

508 515 522

Would you pay for it? 1 Yes 2 No

509 516 523

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

Enhancing Access to Microfinance Services in Frontier Areas

Survey Questionnaire for Clients of Microfinance Institutions

13