SP1-O1 CLIENT EXIT. SP1-O2 Profile A total of 436 dropouts were interviewed. Majority (75%) of the dropouts are female. More than fifty percent (53.8%)

SP1-O1

CLIENT EXIT

SP1-O2

Profile

• A total of 436 dropouts were interviewed.

• Majority (75%) of the dropouts are female.

• More than fifty percent (53.8%) of the respondents had one to three loan cycles.

• Eighty percent of the dropouts decided to leave AFCCo on their own accord.

SP1-O3

Reasons for leaving AFCCO

• Majority of the dropouts stated that they left AFFCO due to problems related to policy, center, personal life, business, and economic downturn.

• Policy-related: .loan terms are too short

• Center-related: cannot follow center policies

SP1-O4

Reasons for leaving AFCCO

• Business-related: Have seasonal business and will only acquire a loan if needed.

• Personal reasons: missed payments due to family crisis or celebrations.

• Economic-related: existence of new business competitors that decreases income.

SP1-O5

Loan Use

• Loans were used as startup capital of business.

• Loans also helped the family in terms of providing education for its members.

• Experience of dropouts in repayment ranges from “good” to “had problems”

• Majority of the clients said that their income either increased slightly or stayed the same upon availing the loan.

SP1-O6

• Dropouts cited three major benefits from their centers:

- Became friends with fellow center members.

- Helped in loan repayments

- received assistance in their personal problems.

SP1-O7

• Forty seven percent of the dropouts will encourage other friends and relatives to join AFCCO.

SP1-O8

Gender

n %Female 327 75%Male 88 20%Missing 21 5%Total 436 100%

Gender AFCCO SEDPI

SP1-O9

Loan Cycle

n %1 104 23.9%2 99 22.7%3 75 17.2%4 45 10.3%5 22 5.0%

6 25 5.7%

7 1 0.2%

more than seven 45 10.3%

missing 20 4.6%Total 436 100.0%

Loan Cycle AFCCO

SP1-O10

Amount of Loan

Amount of last loan

n %2,000-4,999 34 7.8%5,000-9,999 56 12.8%15,000-19,999 331 75.9%20,000-25,000 1 0.2%Missing 14 3.2%

Total 436 100.0%

AFCCO

SP1-O11

Payment of Last Loan

n %

yes 426 97.7%missing 10 2.3%

Total 436 100.0%

Fully paid

AFCCO

SP1-O12Amount of Savings Withdrawn

n %0 124 28.4%1-499 111 25.5%1,000-1,499 23 5.3%1,500-1,999 22 5.0%2,000-2,499 10 2.3%

2,500-2999 3 0.7%

3,000-3,499 1 0.2%

3,500-3,999 1 0.2%

4,000 and above 5 1.1%missing 57 13.1%Total 436 100.0%

AFCCOAmount in Peso

SP1-O13

Income Generating Activity

n %Trading, vending, buy and sell 192 54.4%Manufacturing 3 0.8%Farming 58 16.4%Animal raising 11 3.1%None 77 21.8%

Total 353 100.0%

Income Generating ActivityAFCCO

SP1-O14

Decision to leave AFCCo

n %Client's decision 280 64.2%Spouse's decision 88 20.2%Parents's decision 6 1.4%Sibling's decision 7 1.6%Others (Aunt and cousins) 2 0.5%

Decision to leave the MFI AFCCO

SP1-O15

Reasons of AFCCo

n %Repayment problem 86 45.5%Poor attendance at weekly meeting 37 19.6%Other reasons 3 1.6%

AFCCO's ReasonsAFCCO

SP1-O16

Problems related to Policies

n %Loan amount too small 58 13.3%Loan terms are too short 97 22.2%Loans are too expensive 47 10.8%Disbursement takes too long 7 1.6%Problems with MFI personnel 13 3.0%

Found another program with better terms

12 2.8%

Reasons AFCCO

SP1-O17

Problems related to the center

n %Center asked me to leave 29 6.7%Center dissolved 68 15.6%Disagreements with center officer 9 2.1%Not willing to attend center meeting 26 6.0%Cannot follow all policies of the center 92 21.1%

Reasons AFCCO

SP1-O18

Business-related Reasons

n %I have enough working capital already 92 21.1%I have a seasonal business and I will apply to credit when I need it again

122 28.0%I decided to close down the business and do something else 52 11.9%

ReasonsAFCCO

SP1-O19

Personal Reasons

n %I was unable to continue repaying my loan because I used it for a family crisis or celebration 112 25.7%My spouse or another income-generating member of my household left and I cannot maintain my business

104 23.9%I am moving away 104 23.9%I do not want to loan (risk aversion) 45 10.3%

ReasonsAFCCO

SP1-O20

Economic-related reasons

• .

n %Business was destroyed in catastrophe 110 25.2%A new competitor is taking customers away from my business 158 36.2%Deterioration of the economy has affected sales 6 1.4%

ReasonsAFCCO

SP1-O21

Use of Loan (Business)

n %Start my business 179 41.1%Keep my business 100 22.9%Loan helped me expand my business 77 17.7%Loan did not help my business 44 10.1%

Use of loan (Business)AFCCO

SP1-O22

Use of loan (Family)

n %Improve diet 102 23.4%Provide education for myself and my children

196 45.0%improve housing condition 57 13.1%Purchase assets 59 13.5%

Use of loan (family)AFCCO

SP1-O23

Experience in loan payment

n %Good 131 30.0%Easy 86 19.7%Had problems 156 35.8%Difficult 60 13.8%Missing 3 0.7%

Total 436 100.0%

Experience in loan repayment

AFCCO

SP1-O24

Change in Income

n %Increased substantially 50 11.5%Increased slightly 124 28.4%Stayed the same 132 30.3%Decreased slightly 82 18.8%Decreased substantially 20 4.6%

I don't know 25 5.7%

Missing 3 0.7%

Total 436 100.0%

Change in income AFCCO

SP1-O25

Benefits from Center

n %Loan repayment 52 11.9%Assistance on personal problems 57 13.1%Providing business ideas 38 8.7%Make friends 70 16.1%Developed leadership skills 34 7.8%

Received trainings 4 0.9%

AFCCOBenefits from Center

SP1-O26

Weekly Center Meeting Experience

n %Helpful 90 20.6%did not help very much 86 19.7%I did not like center meetings 96 22.0%

Weekly center meetingAFCCO

SP1-O27

Return to the program

n %Yes 121 27.8%Maybe 195 44.7%Only If changes are made 85 19.5%No 34 7.8%Missing 1 0.2%

Total 436 100.0%

Return to the programAFCCO

SP1-O28

Encourage others

n %Yes 204 46.8%No 124 28.4%I don't know 101 23.2%Missing 7 1.6%Total 436 100.0%

Encourage others to join AFCCO

AFCCO