“MICRO FINANCING AND ITS IMPACT ON LIVING STANDARD

EMPOWERMENT AND POVERTY ALLEVIATION AMONG THE POOR WOMEN IN

NARGUND“

Profile of Respondent:

1. Age of borrower
a) 18-25 b) 26-35 c) 36-45 d) 46-55 e) over 56
2. Level of education
a) Illiterate b) literate without formal education c) Primary d) Secondary e) PUC
& Above
3. Occupational status of the borrower
a) Agriculturist & Related b) Daily wager c) Unemployed d) other
4. Number of Members in family: a) 2 b)2-5 c) >5

5. Monthly income of the family

a) Less than Rs.5000 b) Rs. 5001- 10000 c) 10001-15000 d)Above 15000

6. Monthly Expenditure of the family

a) Less than Rs. 10000 b) 10001-20000 c)20001-30000 d)30000-40000 above

Research Questions:

A. How long have you been in the MFI’s

a) Less than 2 years b) 2 to 5 years c) 5 to 10 years d) More than 10 years

B. What amount of loan you have received as a help from any of the MFI’s in Nargund?
a) Less than 5 thousand b) 5 to 10 thousand c) 10-20 thousand d) > 20 thousand

C. What is the purpose of taking credit?

a) Emergencies b) Consumption c) Business d) Housing Repairs e) others

D. What is the purpose of seeking help from MFI’s?

a) To improve your saving habbit

b) To access to easy credit
c) To improve you skill
d) To become self employed
e) To enhance your income earning capacity
 E. Kindly express your opining with regard to your standard of living and poverty level before
seeking help from MFI?
Standard of Living Strongly Agree Neutral Disagree Strongly
Agree Disagree
Family didn’t allowed me to do job
Earning of family member was not
sufficient
Family couldn’t afford to meet basic
needs satisfactorily
Frequent delay in paying for utility
services
Always relied on petty borrowing
Poverty Level
Highly depend on fair price shop for
groceries
Could afford to buy new clothing
during festivals
Could afford to send children to
private school
Was jobless for some time

F. The number of the following table indicates the degree of satisfaction or agreement level of the
household or a person after he or she received loan from a microfinance institution.

Particular Strongly disagree Neutral agree Strongly

disagree agree
The rate of interest of micro credit is
reasonable
The Procedure of obtaining loan from MFI’s
is easier than conventional banking
The income has increased

The saving has increased

Better access to education

Better Financial situation of the family

Role in decision making process has
increased
Operational assistance received from MFI’s
was helpful to run the business
Employment opportunities have increased
Improvement in the living standard of the
family