Evaluation Report

On
Integrated Development Foundation (IDF)

December…., 2013
 Glossary

Bad loan: any loan amount not paid for more than 365 days

Doubtful loan: any loan amount not paid for 181 to 365 days

Sub- standard loan: any loan-amount not paid for 31 to 180 days.

Watchful loan: any loan-amount not paid for one to 3 0 days.

Group:

Loan worker or field worker:

Total loan balance: all loan-amount including good loans (i.e., those loan which have not
started installment -payment), watchful loans, sub-standard loans, doubtful loans and bad loans.

Overdue loan: All loan-amount including watchful loans, sub-standard loans, doubtful loans
and bad loans
 Chapter-1

Introduction
1.1Micro Finance Institute (MFI) and Its Evaluation

Integrated Development Foundation (IDF) started its journey as an MFI (micro finance
institution) in December, 1993. This particular report is an attempt to evaluate IDF. It is a
momentous year for the institution; IDF is completing two decades of its eventful existence.

Bangladesh is known in the whole world as the pioneer in evolving different workable and
sustainable micro finance models. From the late 1970s, three major MFI models i.e., Grameen
Bank (GB), BRAC (Bangladesh Rural Advancement Committee) and ASA (Association for
Social Advancement), have been experimented and perfected in different rural areas of
Bangladesh. By 2010, there were about 1500 MFIs in the country, enrolling 34.62 million
members; of which 27.2 million are borrowers.1

1
It is reported that in 2010, on the basis of 773 MFIs (including Grameen Bank, BRAC and ASA) the total cumulative
loan disbursed reached Tk. 2103 billion (210,328 crore). In the year (2010), the total loan balance (current plus
overdue) stood at Tk. 2216.88 billion (Tk. 221,668 crore). In the period (1996-2010), the MFI loan-disbursement
grew at an annual rate of more than 10 percent.
1.2 Objectives of IDF Evaluation

1.3 Methodology, Data and Limitations

 Chapter-2

Organizational Analysis of IDF

 Chapter-3

Socio-economic Impact of IDF

 Chapter-4

Major Findings and Policy-conclusions

4.1 Major Findings

4.2 Policy Conclusions

 Appendix-1

Terms of Reference for IDF Evaluation

 Appendix-2
Persons met:

A. At IDF Principal office (Dhaka) and Co-ordination office (Chittagong)

B. District and Branch offices

C. In other offices
 Appendix-3

Questionnaires
(1) Questionnaire for Organizational Analysis

(2) Questionnaire for Household level [Beneficiary and Non-beneficiary] Respondents