Draft Case Study Format

8/8/2019 Draft Case Study Format

http://slidepdf.com/reader/full/draft-case-study-format 1/16

TABLE OF CONTENTS

Title Page ............................................................................................................................ 2

Executive Summary .............................................................................................................i1. Context ............................................................................................................................11.1. Country Socioeconomic and Poverty Data ...............................................................11.2. Local context – target area ........................................................................................ 1

2. Organizational Framework .............................................................................................. 32.1. International Organization ........................................................................................ 32.2. Local organization .................................................................................................... 3

3. Description of “Very Poor” Target Group .......................................................................53.1. Individual and Household conditions ....................................................................... 53.2. Socioeconomic conditions ........................................................................................ 5

4. Poverty Targeting and Assessment .................................................................................. 6

4.1. Poverty targeting .......................................................................................................64.2. Poverty Assessment data ...........................................................................................65. Products and Services ...................................................................................................... 7

5.1. Financial Products .....................................................................................................75.2. Microenterprise Development Services .................................................................... 85.3. Non-financial Services ..............................................................................................95.4. Design and Product Development: .......................................................................... 95.5. Implementation Process .........................................................................................10...................................................................................................................................... 10

6. Results ............................................................................................................................116.1. Method of measuring results: .................................................................................116.2. Impact ..................................................................................................................... 116.3. Cost Effectiveness and Sustainability ....................................................................11

7. Conclusions ....................................................................................................................127.1. Challenges and Pitfalls/Lessons Learned ................................................................12

Appendices ........................................................................................................................13Appendix 1. Contacts and Sources of Information....................................................... 13Appendix 2. Socioeconomic and Poverty Indicators: definitions, explanations andsources............................................................................................................................ 13



PROMISING APPROACHES IN MF/MED SERVICES FOR VERY POOR PEOPLE

CASE STUDY FORMAT

Title PageTitle of InterventionOrganization Name(s)Location – CountryAuthor(s)Date



Executive Summary

Main items to be included:

1) Name of implementing organization(s), location, start program;

2) Target group description; number of clients/participants; number of very poor participants;

3) Targeting methodology;4) MF/MED methodology – emphasize the innovation related to reaching and/or

serving the very poor;5) Relevant organizational aspects: leadership, culture, staff development, mission;6) Results (impact) and measurement methodology;7) Cost effectiveness and sustainability;8) Conclusion (SWOT approach)

i



1. Context1.1. Country Socioeconomic and Poverty Data

Table 1: Country Statistics1

Country

Currency

Amount Year Population (millions)

Population density per square kilometre

Percentage urban / rural population

Inflation

Nominal Exchange Rate (current, X Currency per US$1)

HDI value

HDI ranking

PPP Exchange rate

GDP/Capita (PPP US$)

Local currency equivalent of $1-a-day international poverty line

National Poverty Line

Population below national poverty line (%)

Population living below $1 a day (%)

Population living below $2 a day (%)

ANY OF THE FOLLOWING RELEVANT?

- HIV prevalence (% ages 15-49)- Malaria cases (per 100,000 people)- Children under age 5 with insecticide treated bednets- other health related indicators (such as health expenditure per capita,immunization rates, physicians per 100,000 people, et cetera…)

- nutrition ( population undernourished %, children underweight,under height %, et cetera)

- adult literacy (male, female)- youth literacy (male, female)- net primary enrolment ratio (male, female)- net secondary enrolment ratio (male, female)

- gender-related development index (GDI) rank - gender-related development index (GDI) value

UNDP HDR also provide information on- extreme inequality- progress towards MDGs

1.2. Local context – target area1.2.1. Briefly describe local socioeconomic conditions

1.2.1.1. Geographic reference of location and size of population1.2.1.2. Local population characteristics (detailed information on target group to

follow in later section):1.2.1.2.1. ethnic groups

1 See Appendix 1 for definitions, explanations and sources for each of the variables in the table.

1



1.2.1.2.2. most important economic activities1.2.1.2.3. cultural and religious background

1.2.1.3. Natural resources, economic activities, markets, unemployment1.2.1.4. For rural areas only: most important crops and livestock activities, water

supply (irrigation, rain fed), seasons and number of harvests, land ownership

and contract patterns.1.2.1.5. Occurrence of droughts, floods, natural disasters or conflicts1.2.2. Describe government policies aimed at the very poor:

1.2.2.1. Social protection schemes by the government1.2.2.2. Policies aimed to integrate the very poor, such as anti-discrimination and

affirmative action laws1.2.2.3. Property and land rights1.2.2.4. Local government and non-governmental development programs1.2.2.5. Other

1.2.3. Brief profile of microfinance environment.1.2.3.1. List microfinance institutions (other than subject of case study) and other

financial institutions/services accessible by the poor. Provide number of clients, if possible.1.2.3.2. Describe dominant microfinance models and services1.2.3.3. Demand versus supply of microfinance services1.2.3.4. Breadth and depth of microfinance outreach1.2.3.5. MF/MED initiatives (other than case study) aimed at the very poor

1.2.4. Poverty1.2.4.1. In which geographic areas of the country is extreme poverty concentrated?

Include both urban and rural areas where extreme poverty dominates most.1.2.4.2. Does the target area fall within these extreme poor regions?1.2.4.3. How many people live in target area?1.2.4.4. If known, what is the proportion of population in the target area living below

$1-a-day and/or within bottom 50% of people living below the national poverty line?

2



2. Organizational Framework 2.1. International Organization

2.1.1. Name and type of the organization (INGO, multilateral agency, foundation, other)2.1.2. Organizational background

2.1.2.1. Mission and vision

2.1.2.2. Brief history2.1.2.3. Type of support: funding, capacity building, direct service provider, other

2.1.3. Development intervention approach2.1.3.1. Primary target group and development sector 2.1.3.2. Specialized in MF/MED or multisectoral2.1.3.3. MF/MED model2.1.3.4. Other sectors

2.2. Local organization

Table 2. Institutional Background

Issues Observations

Name of the organization or institution

Geographic area of operation

Legal structure

Registration status

Regulation status

Date established

Specialized (MF/MED) or multisectoral

Start of MF/MED activities

Core business (f.i. credit, savings, …)

Business model

Target market – MF/MED Number of clients/participants – MF/MED

Number of staff

2.2.1. Organizational development2.2.1.1. Mission and vision2.2.1.2. Brief history2.2.1.3. Objectives2.2.1.4. Organizational culture, leadership, innovation

2.2.1.5. Organisational structure, roles and responsibilities (diagram may be helpful)2.2.1.6. General qualifications of staff 2.2.1.7. Training/sensitization (of staff, managers, board) related to poverty outreach2.2.1.8. Governance

2.2.2. MF and MED services2.2.2.1. MF model and products/services. If applicable, include average and

minimum/maximum loan size, type of savings, average savings, et cetera.

3



2.2.2.2. Description of main target group (if not the very poor): poverty level,gender, social status, professional activities, ethnicity, other

2.2.2.3. Selection and/or eligibility criteria and method2.2.2.4. Use of poverty assessment tool? Which method?2.2.2.5. Job description of field staff who interact with program participants related

to financial services (loan officer, deposit collector, …)2.2.2.6. Staff incentive schemes2.2.3. Resources2.2.4. External assistance (donors)2.2.5. Relationships (networks, partnerships, member organizations)

4



3. Description of “Very Poor” Target Group

3.1. Individual and Household conditions

3.1.1. Gender 3.1.2. Age

3.1.3. Disability and chronic disease3.1.4. Culture or religion3.1.5. Ethnicity3.1.6. Membership to socioeconomic groups, such as caste and class3.1.7. Household type, composition, marital status3.1.8. Literacy3.1.9. Education3.1.10. Economic or political instability3.2. Socioeconomic conditions

3.2.1. Refugee or IDP status3.2.2. Natural disasters: type, frequency, effect3.2.3. Economic conditions:

3.2.3.1. Employment level3.2.3.2. Income Sources3.2.3.3. Land ownership3.2.3.4. Asset ownership3.2.3.5. Income level

3.2.4. Geographic conditions3.2.4.1. rural/urban, remoteness3.2.4.2. access to markets3.2.4.3. access to banks3.2.4.4. access to doctors and clinics

3.2.5. Major vulnerabilities and risks encountered by target group. What are commoncoping mechanisms and how do these related to services/products offered by theorganization? (refer to section 4 for detailed description of products, services, anddelivery mechanisms)

5



4. Poverty Targeting and Assessment

4.1. Poverty targeting

4.1.1. Number and definition of “very poor” clients used by local organization.4.1.1.1. How does the organization label its “very poor” clients? (ultra-poor, poorest

of the poor, poor, …)4.1.1.2. How many clients labeled as “very poor” entered the program during the last

12 months? What percentage is this of total number of new clients recruitedduring same period?

4.1.1.3. What type of poverty-related client data are collected when newclient/participant enters the program? Are any descriptive statistics availablefor these?

4.1.2. Does the organization use a poverty targeting tool?4.1.2.1. If so, what method is used? And describe whether the method assesses

absolute or relative poverty.4.1.2.2. What are the poverty criteria and indicators?

4.1.2.3. Process, Time, cost, etc.4.2. Poverty Assessment data

4.2.1. Does the organization use a poverty assessment tool?4.2.1.1. If so, what method is used? And describe whether the method assesses

absolute or relative poverty.4.2.1.2. What are the poverty indicators?4.2.1.3. Is the poverty assessment tool used for selection? If so, what are the poverty

criteria?4.2.1.4. More details needed for this section? (check John Hatch’ publication on

poverty assessment methods)4.2.2. USAID poverty tool data

6



5. Products and Services5.1. Financial Products

Table 3: Microfinance Product Details

Product Features and Policies

microcredit

Individual or group productLoan terms (maturity, interest rate,interest type, flexibility)

Loan source

Loan use

Loan size (first loan, average loan,maximum loan size)

Meeting requirement and frequency

Mandatory savings requirement andamount

Collateral requirement

Other eligibility requirements

Loan default policy

Repayment incentives

microsavings

Individual or group

Savings Type

Deposit location

Deposit frequency, amounts, flexibility

Meeting requirement and frequency

Savings terms (interest rate, minimumdeposit, …)

Withdrawal and savings use policies

Record keeping and accounting

Investment of deposits

microinsurance

Microinsurance Type

Group or individual product

Term

Eligibility requirements

Renewal requirementsRejection rate

Voluntary or compulsory

Product coverage (benefits)

Key exclusions

Pricing – premiums

Pricing – co-payments and deductibles

Pricing – other fees

7



Product Features and Policies

microgrants

Individual or group product

Amount (and number of grants)

Eligibility requirements

Grant use and other conditionsSavings requirement or matched savingsarrangement

Straight grant, no interest or partialrepayment

5.1.1.

5.2. Microenterprise Development Services

Table 4: MED Service Details

Service Types and Features

Training

Financial literacy

Business planning and management

Marketing

Recordkeeping and bookkeeping

Skill development

Technical assistance

Training method

Costs to client

Business Consultancy and Advisory Services

Individual or group sessions

Frequency

Topics

Confidence Building

Costs to client

Market Linkages

Input supply

Marketing Assistance

Market Information

Producer organizationsBusiness linkage promotion

Quality Control

Costs to client

Other

Employment generation

Technology development

8



5.2.1.

5.3. Non-financial Services

Table 5: Non-financial Services Details

Service Types and FeaturesNutrition

Health and Sanitation

Education

Social Capital Development

Other:

5.3.1.

5.4. Design and Product Development:5.4.1. Program Rationale

5.4.1.1. What is your theory of change?5.4.1.2. What did you know about client behavior that led you to this intervention?5.4.1.3. What are the intended impacts of your program?5.4.1.4. How are the inputs designed to achieve those intended impacts?

5.4.2. Concept development5.4.2.1. Needs assessment

9



5.4.2.2. Competition analysis5.4.2.3. Self-assessment

5.4.3. Product design5.4.3.1. What was the process they followed in product design?5.4.3.2. Risk assessment and tool design

5.4.3.3. Prototype development and testing5.4.4. Pilot testing5.4.4.1. Significant changes during pilot testing

5.4.5. Rollout5.4.6. Product review and assessment5.4.7. The Product Development Cost

5.4.7.1. Total cost5.4.7.2. How were they funded5.4.7.3. Outsourcing during the development process

5.4.8. Feedback loop?We need to look into how the organization follows feedback loop.

5.5. Implementation Process

Summary of work plan, action steps and example of the typical processfollowed.

10



6. Results6.1. Method of measuring results:

6.1.1. What information does management use to track results, performance and impact?

6.2. Impact

Impact? Summary of program indicators, outputs and impact i.e..highlights from evaluations, results of impact studies, anecdotalevidence of improvement in economic status, household income level,health and welfare of beneficiaries and their families (especially children)etc. Include end of project indicators if available.

Given the well-known challenges with impact assessment, what can wereasonably expect to report on impact for each of the case studies?

6.3. Cost Effectiveness and Sustainability

6.3.1. Scale and replicability

6.3.2. Financial and operational self-sufficiency (if applicable)6.3.2.1. financial expense ratio6.3.2.2. operational expense ratio6.3.2.3. cost per client6.3.2.4. clients per staff member 6.3.2.5. average loan balance per borrower 6.3.2.6. average savings balance per saver 6.3.2.7. portfolio at risk 6.3.2.8. other?

6.3.3. Cost effectiveness of non-financial services?

11



7. Conclusions7.1. Challenges and Pitfalls/Lessons Learned

7.2.

12



Appendices

Appendix 1. Contacts and Sources of Information.

Organization and contact person for additional information. Please include

name, email, telephone and mailing address.

Appendix 2. Socioeconomic and Poverty Indicators: definitions,explanations and sources.

UNDP HDRNational and International Poverty Lines, Don Sillers (where will most recent update be available? At www.povertytools.org ? We need to add this paper as a reference for researchers

13

http://www.povertytools.org/

http://www.povertytools.org/

Draft Case Study Format

Documents