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1
Focused group discussions and interviews with the present members. The
members here were taken from different groups both age-wise (In GK) and
centre-wise.
An interaction with GK staffs of different hierarchy, detailed consultations and
focus group discussions with GK staffs (Both in head-office and branch office.)
Interviews with others: Husbands and other family members of both dropped out
and present clients.
Ninety dropout members were selected branch-wise for the interview. The number was
based on the percentage of dropouts. To get a representative picture we included the
members based on durations of relationship with Grameen Koota, amount of loan taken,
and numbers of loan taken. Out of total dropouts, area one alone accounts for 70 percent
of dropouts so in sampling too it has been given the highest representation (72.1%). In
Tumkur the number of dropouts was comparatively less (21). There we took two sample
of dropout members and focused on the interviews with present members. In our survey,
we included six branches of three different areas. Area 3 and area 4 were strategically left
because of their recent formation, similar socio economic conditions, and lesser number
of dropouts.
The sampling plan after the selection of the branches was as follows:
2
Table1
Area BRANCH Total No of Percentage Sample Percentage
no Dropout (of these six taken of sample
branches)
1 Kagglipura 1384 758 35.75 30 33.3
1 Channapatna (main) 2430 722 34.05 30 33.3
1 Channapatna(Town) 867 104 4.9 5 5.5
2 Chelur 1366 259 12.21 12 13.3
2 Tumkur 1958 21 0.99 2 2.1
4 Huliyar 1521 256 12.07 11 12.2
TOTAL 9526 2120 100 90 100
We tried to interact with as many members as we could and get their views over
these issues. The study area for branch and village visits was finalized in
consultation with GK. GK personnel also helped us in translation and
classification of the dropout members.
3
If we include the non government and govt. initiatives in this regard we can see lots of
players taking the field, in the days to come, to tap a micro credit market of about
Rs.1800 crore.
When the microfinance market in the state will be seen in totality GK will always be
given more weight to other players simply because of its experience and client reach.
4
Table3
Branches 18
Villages 522
Kendras 823
Members 22461
Active Borrowers 17837
Total savings 138.21 Lac
Total loan outstanding 746.67 Lac
Total Employee 130
(Source: GK glance as on 3rd June 2005)
3.3.1 LOAN
A) Income Generation Loan: It is given for the productive purposes only.
B) Supplementary Loan: This is mainly given to meet working capital need.
C) Welfare Loan: These loans are given for building toilets, houses, acquiring
assets, higher education, etc.
D) Group Fund Loan: Members are eligible to take a loan up to 50% of their
group’s savings (Group Fund Savings) balance with the approval of all the members of
her group.
5
3.3.2. SAVINGS
A) Group Fund Savings: This is a compulsory saving done by all the members.
After joining the Kendra, all the group members start saving Rs.5/- (rupees five
only) every week. These savings should be done as long as the members of the
group are in the Kendra
B) Voluntary Savings: This is an optional savings product. Those members who
want to increase their savings can open this voluntary savings account.
C) Kendra Fund: This is also a compulsory saving. All the members on joining the
Kendra should save Re.1/- (rupee one only) every week as long as they stay in the
Kendra
D) Emergency Fund: This is also a compulsory saving. Two percent of the GK loan
taken by the member has to be deposited in this fund, in 50 equal weekly
installments along with the loan repayment
E) Collective Responsibility Fund: This fund is started only when there is a default
in the Kendra and both the Group and the Kendra is not in a position to pay that
week’s defaulted installment.
3.4 Management:
GK has a management team, which is responsible for the effective and efficient
functioning of the programme. It is consist of C.E.O., C.O.O., and Managers (operation,
planning and monitoring, MIS and Finance). The management has the responsibility to
identify the opportunities and act accordingly.
6
It has been generally seen that dropouts occur in two different ways. First amongst them
is voluntary and the second one is coerced. In the voluntary dropout, members decide to
leave the programme due to various reasons pertaining to their personal will.
Under the voluntary kinds of dropouts, there can be three situations
A) Taking a break: There are certain members who do not want to take the loan for
few months but at the same time do not want to pay the compulsory savings too.
Such members decide to withdraw from the programme for a while and decide to
join later on.
B) Switching over to other MFI: Sometimes members decide to give a test to the
other options available before them. In order to find out which option gives better
return and suits them they decide to leave the present programme and join other
MFI.
C) Withdrawing from the programme: Some members decide to leave the
programme completely and do not wish to come back. It takes place generally in
the case of graduation out of poverty and wrong targeting by the organization. In
both the cases, it has been seen that the credit requirements of member do not
match with the products being offered by the organization. Client exit due to
graduation out of poverty is considered good when it is seen in the light of
mission and vision of the organization.
When a member becomes eligible for bank then also she decides to dropout.
7
5. DROPOUT PROBLEM IN GK:
GK has experienced dropout problems right from the first year of its operation. The data
on dropouts suggest that over the years dropout rates has been increasing. Only in the
year 2003 it showed a downward trend .In the first year of its operation it lost 16
members and thereafter kept on loosing some members. The figure as on 3 rd June stands
4408.Year wise details of dropout has been shown below
Table no. 4
Year 2000 2001 2002 2003 2004 2005
No. of 16 59 225 557 1680 4408
Dropouts
Dropout 8.6% 9.2% 15.17% 13.50% 13.62% 16.40%
rates
The positive dropout has been observed in all the five areas of its operation. Area 1 with
70% of the total drop outs tops the list, whereas its contribution to the total members of
GK is 47%. Branchwise data shows that Kagglipura has the maximum no. of dropouts
both in terms of percentage and absolute figure. Interesting thing about this branch is that
it was the pilot branch of GK. Area wise members and dropouts detail has been shown in
the table below.
Table no. 5
Area Members Dropouts
1 10548 3107
2 5531 591
3 3603 420
4 1701 256
5 1078 34
8
The graph below shows the percentage contribution of individual areas in total no. of
members and dropouts respectively.
80%
70%
60%
50%
Members
40%
Dropouts
30%
20%
10%
0%
1 2 3 4 5
9
Number of Loans
60
50
40
Percent
30
20
10
0
Once Twice Thrice Four Times
Number of Loans
The above mentioned details can be further verified by the fact that majority of dropped
out members had taken a loan of Rs. 5000, the first cycle loan amount.
10
these years. However, the overall picture that emerged out of this was not showing any
definite pattern.
While talking to the members and staffs, it became clear that there is an irregular pattern
of credit requirements among the members except those who are involved in agriculture
activities. When we see the dropout pattern in totality, no clear picture emerges out of
this.
Dropouts Pattern
No. of Dropouts
300
250 2001-02
200 2002-03
150 2003-04
100 2004-05
50 2005-06
0
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A
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month
6. IMPACT OF DROPOUTS:
The cost of a lost customer is not nominal. . No MFI enrolls any member just to say
good-bye. It invests time, energy, and money in selecting and training them so that it can
have a well-motivated clientele with hopes and determination of overcoming poverty. A
dropout may cost GK as much as a defaulted loan because the organization loses a
lifetime of profits from that customer.
The impact of dropout can be experienced by GK in terms of reduced productivity and
profitability. When a member decides to dropout from the programme it leaves behind an
incomplete group. This incomplete group results in an incomplete Kendra. This in turns
11
may lead to the problem of breakdown of credit discipline. And the entire episode has the
potential to lower the productivity.
When the impact is seen in the context of reduced profitability what happens that every
exiting members reduces the total numbers of borrowers with GK. As the total number of
borrowers go down it decreases the total amount of loans outstanding and in turn total
operating income. This can make GK financially weak. The whole chain can be depicted
as
Dropping out members Reduces the total no. of borrowers
12
In both the cases discussed above a wrong message can go to the existing member and
the community as a whole. We cannot deny the fact that good customers often leave MFIs
because they had bad experiences, such as having to pay for the debts of a group member.
But if the MFI had retained that good customer for five years, then that client might have
generated significant returns to the MFIs, directly in the form of profits, and indirectly
through referrals.
But dropouts can not always be considered bad. There are certain cases of dropouts which
help the organiastion in achieving better results. Dropout taking place because of the
graduation out of poverty is in the interest of MFI especially for those who are working
towards poverty alleviation. Weeding out the undisciplined member is another instance of
positive dropouts. The undisciplined members can rot the entire system and may threat
the credit discipline.
Some amount of dropouts can keep the MFI always awake and can be considered good.
This will allow them to introspect and respond to the client need rather than being
insensitive to the problem and get washed away.
13
C) Not so poor: In GK the presence of such members has been noticed. Among the
dropouts, also they have been found. Usually these people need big size loan in
order to meet their credit requirement hence they join the programme. These
members are prone to overlapping. Once they become eligible for bank they
decide to leave the programme.
14
shop etc. Agriculture and allied activities comes second, followed by animal husbandry.
Occupation
40
30
Percent
20
10
0
Micro Enterprise Animal Husbandry Agriculture and Petty Business others
Allied Activities
Occupation
15
activities hardly show any variability with a particular period. Some of the dropout
members who are predominantly dependent on agriculture need money during the
monsoon and get good inflow of money in the harvesting season. Those members who
are involved in animal husbandry may experience the inflow of money either daily or at
one point of time. For those who are involved in the activities like selling milks have the
inflow of money on regular basis but for them who are in sheep and goat rearing it is a
sort of one time deal.
All the dropout members, who were interviewed, spend money generously during the
festivals. In urban slums, people were seen making good investment in child education
and hence during the time of admission they need more money. Marriage is an occasion
where people spend huge amount of money. This is a major event in term of the amount
outflow of money.
16
on the clients to earn on the loan amount so that they can make regular payments to the
MFIs. The repayment schedule is fixed in nature so they cannot skip the schedule. Some
times the clients borrow some amount from other sources for the weekly repayment; this
further adds to their problems. The clients ultimately leave GK by taking her saving
deposits.
9.1.2 Loss in business:
The businesses done by the clients are not always profitable. Only the clients share
any loss in her business. The loss in business reduces inflow of money, which directly
affects the money availability for repayments. Once the repayments schedule is broken,
the pressure increases over the clients. Some clients prefer to leave GK at that situation.
Lakshyamma lives in Anedoddi village of Kagglipura block in Karnataka. She joined Grameen
Koota in 2003. She took a loan of 4000 and invested the amount in purchasing of disc antenna.
Her son looks after this business. The payment done by the villagers for the cable connection was
on monthly basis. The money was collected the villagers and from that money the loan amount
was paid by Lakshyamma. Initially the things were under control but gradually she fined it
difficult to repay the amount weekly wise. At few occasions she was helped by the group
members
9.1.4 too but the problem of repayment continued. She finally left the programme.
Irregularity:
The problem of irregularity arises because of various reasons like loss in business,
repayment problems, and disinterest shown by the clients. The irregular client
sometimes creates problems to the whole group. In GK, there is a rule that at the time
of loan disbursement every member should be present. Sometimes because of the
17
irregular member, the loan disbursement schedule gets delayed. It causes
inconvenience to other group members. Many a times fellow group members ask
such member to leave the programme.
Zareen Taj lives in Navgram, a small colony in Huliyar, Karnataka. She joined Grameen
Koota in 2003. She took a loan of 5000 for her bidi business. She got good returns from the
amount invested and had no problem with the repayment too. During the first loan cycle
itself, she came to know about “Stree-Shakti.” She was told about the programme and the
comparative benefits. She compared the programme on every aspects and find state
sponsored Stree-Shakti more suitable for her. She joined Stree-Shakti. After some time she
found it difficult to continue with both the programmes because of two different repayment
schedule and meeting time. She finally left Grameen Koota after successful completion of
her first loan cycle.
18
for big size loan and in the absence of this, she decides to exit the programme.
About 14% of the respondent from personal reason category left the programme
because of this reason (See annexure 1)
9.1.7 Migration
The members of GK sometimes migrate to some other place to work as a lobourer
or because of some other reasons. The migrations are of two types one is permanent
and other is temporary. If the member has migrated permanently then she leaves the
programme completely. Whereas the migration is temporary in nature then also the
group members force them out because any irregularity would affect them badly.
One of the important reasons for migration is pregnancy, during pregnancy; they
customarily go to their native place and come back only after the period gets over.
There is provision of three-month leave for pregnancy in GK.
19
9.1.9 Health problems
Like everyone else the members of GK also suffers from health problems and if
the problem persists longer then it causes absenteeism. The extra expense made over
the medicines and doctors make them economically more vulnerable. In GK, a good
number of members leave because of the pregnancy alone. During our survey about 11%
of dropped out members cited this as a major reason (For details see annexure one)
Haleema Bi, resident of Indira Nagar an underdeveloped colony in Huliyar, Karnataka. She
joined Grameen Koota in 2003 for her credit requirements. She took a loan of 5000 and used
the money in her husband’s small cycle repair shop. She used to attend the weekly meetings
regularly and timely. In the repayment, too she had no problems as her husband was getting
regular income from the cycle shop. She successfully completed her first loan cycle after
paying the loan amount plus the interest charged. Meanwhile she became pregnant and found
herself unable to attend the weekly meetings. She took leave for three months. (There is a
provision in GK that a member can take a leave for three months in case of pregnancy.). During
this period, she gave birth to her fourth child. She became weak and had very little time spare
for any other activities. The three-month period finished very quickly. After four month, too she
was not able to attend the meetings. She finally left the programme as well as Grameen Koota.
20
9.2.1 Wrong targeting
The nature of credit need differs from member to member. The criterion, which
is seen by the GK personnel before giving the membership to any woman, is the
degree suitability with the programme. Sometimes the staff misjudges and targets
a wrong customer. Wrong customers are those customers who need much higher
loans than what is being provided by GK, or their income is not such that they
could repay the loan properly. In GK, there are many cases of wrong targeting,
(We found about 11% members were wrongly targeted by GK during our survey
for details see annexure two). These clients sometimes leave the programme
within first loan cycle or even without taking any loan from GK.
21
branch manager. The constraint here is the timing of banks. The amount collected by
Kendra manager is deposited in the bank on daily basis. The meetings at present are
largely held in morning only (Because of security reasons, Bank timings and
availability of the members). It does not suit all the members, especially for those
who have school going children. GK personnel can entertain this demand only if the
number of such members is significant, for few members they cannot cause
inconvenience to other clients. In many cases, (23.3%) clients leave the programme
only because of the time and schedule of meeting
22
absenteeism. Sometimes this delay in the loan disbursement led to dropout of
member.
Bashira, a small cloth merchant of Chelur block in Karnataka. She joined Grameen Koota in
June 2004.In her village Bellavi she joined the nearest group where some of her neighbours
were the members. She took a loan of 2000 from GK as IGL (Income generating Loan). She
invested the money in her business. One day her family had a skirmish with the neighbour over
the issues related to drinking water. Her neighbour was also the group leader in GK. She
decided not to have any relationship with that leader. She followed her husband23
decision of
leaving the programme as well as GK.
9.2.9 Lack of mutual trust:
The loan amount given by GK is a group responsibility. The members are
collectively responsible for the amounts. It becomes imperative for any group to have
mutual trust. Some members do not trust the other group member and leave the group
as well as the programme.
25
9.3.2 Religious influences:
Sometimes religious leader tries to influence the group members and force
them to leave the programme.
26
unable to continue with the programme. Poor members tend to dropout either to get
access to their savings built up over a period or to “rest” and return after some time.
D) Ninety percent of the respondent had credit options available other than GK. The
prominent among them are Govt. sponsored Stree Shakti programme,
Moneylenders and BSS another MFI operating in Karnataka.
E) Weekly repayment has been widely acknowledged by the members but the failure
to take into account the cash flows has caused the discontent
F) Majority of the dropout members view the first and second loan amount bit small.
They are of the opinion that to begin a business or micro enterprise they need
more credit than what they get from GK.
10.1 RECOMMENDATIONS:
27
Product diversification (Insurance etc): It is highly recommended to GK to carry on
its insurance project which has been launched in the collaboration with ICICI
Lombard and look for the similar ones. This insurance product will enhance the
image of GK from a loan provider. Those members who may not be fully satisfied
with the loan or saving products may get attracted towards the insurance product. As
significant numbers of GK loans are made towards animal husbandry where the risk
of asset loss is quite high, such product can help the members in reducing the risk.
Awareness about ongoing project of GK: Many times members are not aware about
the development going in GK and its operations. If the members are regularly told
about the development taking place in GK and about successful members who
utilized the loan amount properly, it will increase the interest of the members. This
motivation will build their relationship stronger.
Big size Loan: This is the most common demand of all the present members as well
as the dropout members. Many members left GK only because of the lower loan
amount provided by GK. During our survey when we asked the conditions of
rejoining from the dropout members most of them said they might consider rejoining
GK if the loan amount is increased. The argument made in this favors was that the
setting up cost for any activity is high. And the first loan of Rs. 7000 is not
commensurable with that.
If we see the repayment rate of GK, it is among the best in industry, so increasing
the loan amount can not be a much risky venture. But what should be the exact
28
amount of first loan cycle need to be studied carefully taking care of the cost and
benefit it will accrue to the organization.
Time and schedule: In our study 23.3% of the respondent said this as a major problem
behind their dropout. There are some constraints in changing the schedule and
timings. But considering the importance of this reason GK has to find some way to
make sure that because of the timing no one should leave.
Health related issues: About 11% of the dropout members left GK because of health
problems. Pregnancy is the main reason for that. However, there is a provision of
leave for such members and they can continue after three months of leave. In spite of
that a majority of them did not rejoin the programme.We found that after pregnancy
period is over very few members are approached by GK staffs. If GK keeps a record
of these members and approach, them after sufficient time they may come back and
rejoin the Programme.
Repayment schedule: During our survey we came across a fact that majority of
present members are supporting weekly repayments. However, among the dropout
members, many were found not comfortable with the weekly repayment system. GK
should look into this issue and see the viability of any programme where some other
repayment schedule could be incorporated.
29
recommend GK to use the sample form, which has been prescribed by us (see
annexure 11).
10.1.5 Training: Staffs in GK were not viewing the problem of dropouts as an alarming
one. They were seen more interested in recruiting the new members than making
an attempt to retain the members. Therefore, GK should try to make them
understand the worth of it by means of proper training in this regard.
Aneexure 1
Personal Reasons
Frequenc Valid Cumulative
y Percent Percent Percent
30
Valid Lack of ability to use
1 1.1 1.5 1.5
the loan
Loss in business 3 3.3 4.6 6.2
Repayment Problem 17 18.7 26.2 32.3
Irregularity 2 2.2 3.1 35.4
Overlapping 13 14.3 20.0 55.4
Graduation out of
9 9.9 13.8 69.2
Poverty
Migration 5 5.5 7.7 76.9
Family Pressure 3 3.3 4.6 81.5
Health Problem 7 7.7 10.8 92.3
Death of member 2 2.2 3.1 95.4
Others 3 3.3 4.6 100.0
Total 65 71.4 100.0
Missin System
26 28.6
g
Total 91 100.0
Personal Reasons
31
Annexure 2
Bar Chart
14 Institutional Reasons
Wrong Targetting
Mismatch
12 High Interest Rates
Meeting timings
Delay in lending
10 procedure
Leadership
Count
Conflicts (Group)
8
Responsibility Sharing
Training
6 Others
0
Kagglipura Channapatnam Channapatnam Tumkur Chellur Huliyar
(Main) (Town)
Branch Name
32
Annexure 3
Branch wise personel reasons details
33
Bar Chart
10 Personal Reasons
Lack of ability to use the
loan
Loss in business
8 Repayment Problem
Irregularity
Overlapping
Graduation out of
Count
6 Poverty
Migration
Family Pressure
Health Problem
4 Death of member
Others
0
Kagglipura Channapatnam Channapatnam Tumkur Chellur Huliyar
(Main) (Town)
Branch Name
Annexure-4
34
Bar Chart
14 Institutional Reasons1
Wrong Targetting
Mismatch
12 High Interest Rates
Meeting timings
Delay in lending
10 procedure
Leadership
Conflicts (Group)
Count
8 Responsibility Sharing
Training
Others
6
0
Kagglipura Channapatnam Channapatnam Tumkur Chellur Huliyar
(Main) (Town)
Branch Name
Annexure 5
STREE SHAKTI
35
The scheme was launched during 2000-01 with an objective to empower rural women
and make them self-reliant. Self-help groups are formed at the village level through a
network of 40,300 Anganwadi Centres in the State.
Objectives : 1. To strengthen the process of economic development of rural women and
create a conducive environment for social change.
2. To form one lakh Self Help Women Groups based on thrift and credit principles which
builds self reliance and enable women to have greater access to control over resources.
3. To create self-confidence in rural women by involving them in income generating
activities thereby contributing to poverty alleviation.
4. To provide opportunities to the members of the groups to avail the benefits of other
departmental schemes by converging the services of various departments and lending
institutions to ensure women's access to credit financing.
Target Group: The criteria adopted for the formation of groups are
a) Women living below poverty line
b) Women landless agricultural laborers
c) Women belonging to SC/STs
d) Families having alcoholics, drug addicts, or physically disabled persons.
Training:
Phase -I: Initially an orientation about the scheme was given to all implementing field
functionaries & SHG members.
Phase-II: Training was imparted on diverse subjects-Gender, Communication skills,
Leadership qualities, book keeping to 11lakh members of SHGs and 40000 AWWs
through 'CORE' training team.
Phase-III: As on date 67093 SHGs have been trained in bookkeeping, 58046 Self Help
Groups in credit management and 45177trained in social issues.
Revolving fund
An amount of Rs.38.18 Crores was released as revolving fund for 76355SHGs,at the rate
of Rs. 5000/- per SHG, covering all the districts. In addition, an amount of Rs.569.16
lakhs was released under SGSY scheme of RDPR dept. as revolving fund to 7634 SHGs.
Convergence of services
Under "New Swarnima" scheme, National backward class corporation, has sanctioned an
amount of Rs.14.70 crores as direct loans to 14325women of 11795 SHGs
Dept. made efforts to secure loan amount of Rs. 2.20 crores from SC/ST Development
Corporation to 1555 women from 156 SHG's to take up income generation activities.
Dept. of Animal Husbandry provided 122775 Giriraja birds to 6501members from 11748
SHGs to take up poultry activities.
Stree Shakthi women members of 8 districts are being trained regarding construction
work in Nirmithi Kendras by Rajeev Gandhi housing Corporation and so far 468
members of 52 SHGs have already taken up construction work as their profession.
Members of few SHGs have taken up the sale of products of Hindustan Lever Ltd. on
commission basis as an income generation activity.
Income generating activities During the last 3 years 44609 Stree-Shakthi groups have
taken up following
Income generation activities:
Akshara Dasoha Programme-12630 SHGs are involved
* Dairying,
36
* Poultry farming
* Manufacture of Readymade garments
* Petty shops
* Manufacture of organic manure
* Mat weaving
* Pickles, papads and condiments, etc,.
Incentives to stree shakti groups
An amount of Rs.15, 000/- as incentive to groups with a saving ofRs. 75,000 - 1 lakh. So
far, 189 such groups have been given incentive amounting to Rs. 28.35 lakhs. An amount
of Rs. 20,000/- as incentive to groups with a saving of Rs. 1lakh and above. So far, 30
such groups have been given incentive amounting to Rs. 6 lakhs.
Committees to monitor the implementation
State level committee-headed by Chief Minister.
District level Committee-headed by District Collector.
Taluk level Committee- headed by Executive Officer of Taluk
Panchanyat.
Progress upto march 2004
Number of groups formed 100000
Number of women members
SC 310358
ST 118359
Min 99779
Others 951298
Total 1479794
Annexure 6
37
Loan amount wise details of dropouts
Amount of Loan
50
40
30
Percent
20
10
0
2000 3000 4000 5000 6000 7000 9000 10000 11000 12000 15000 15000 more
to than
20000 20000
Amount of Loan
Annexure 7
38
Branch Name * Number of Loans Crosstabulation
Count
Number of Loans Total
Once Twice Thrice Four Times
Branch Kagglipura 4 16 3 7 30
Name Channapatnam (Main) 17 10 2 0 29
Channapatnam (Town) 5 0 0 0 5
Chellur 10 0 0 0 10
Huliyar 9 1 0 0 10
Total 45 27 5 7 84
Bar Chart
20 Number of Loans
Once
Twice
Thrice
Four Times
15
Count
10
0
Kagglipura Channapatnam Channapatnam Chellur Huliyar
(Main) (Town)
Branch Name
Annexure- 10
Cumulative
Frequency Percent Valid Percent Percent
39
Valid Punctuality 18 19.8 36.0 36.0
Loan Product 5 5.5 10.0 46.0
Savings Product 4 4.4 8.0 54.0
Operational Procedures 5 5.5 10.0 64.0
Socialization 11 12.1 22.0 86.0
Pledge 6 6.6 12.0 98.0
Others 1 1.1 2.0 100.0
Total 50 54.9 100.0
Missing System 41 45.1
Total 91 100.0
Punctuality
Loan Product
Savings Product
Operational Procedures
Socialization
Pledge
Others
Missing
Annexure- 11
Sample Exit Form
40
3. Staff Name: 4.Date:
7. Amount of savings:
Annexure12
QUESTIONNAIRE
(DROPOUT MEMBERS)
41
1. NAME: 2. VILLAGE:
3. OCCUPATION: 4. BRANCH:
6. TRANSACTION DETAILS:
42
7.3 SOCIO-ENVIRONMENTAL REASONS:
Annexure13
QUESTIONNAIRE
(PRESENT MEMBERS)
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1. NAME: 2. VILLAGE:
3. OCCUPATION: 4. BRANCH:
6 TRANSACTION DETAILS:
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9.2.1 Wrong targeting by Grameen Koota []
9.2.2 Mismatch between member's need and product. []
9.2.3 Higher interest rates []
9.2.4 Time and schedule of meetings []
9.2.5 Delay in approval and disbursement of loans []
9.2.6 Unfavorable terms and conditions []
9.2.7 Leadership problem []
9.2.8 Conflicts with group members []
9.2.9 Lack of mutual trust []
9.2.10 Do not want to share the responsibilities of defaulters []
9.2.11 Lack of proper training []
9.2.12 Misbehavior of the staffs []
9.2.13 Others. []
10.2
10.3
10.4
10.5
Annexure 14
45
QUESTIONNAIRE
(STAFFS)
1. NAME:
2. DESIGNATION: 3. BRANCH:
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10.2 LOAN PRODUCTS
10.2.1 Income Generation Loan
10.2.2 Supplementary Loan
10.2.3 Welfare Loan
10.2.4 Group Fund Loan
10.2.5 Emergency Loan
REMARKS:
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