21/04/2017 A study on the comparative perspectives of Organized and Unorganized lending Models in Microfinance

A study on the comparative perspectives of Organized
and Unorganized lending Models in Microfinance
This questionnaire is used to collect data from Self Help Groups as part of PhD thesis.

* Required

I General Information on SHG
Year of Establishment:                                          No of Members :                                      Member 
Category :APL/BPL 
 
Panchayat:                                                              Nature of Business:Agri/Non Agri                
 
 Avg Family Size :                                                   Occupation:
 
Avg Age of Members:                                           Caste: SC/ST/OBC/General

1. Group members joined the group for
Mark only one oval.

 Avail loans to find a source of Income
 Avail loans for meeting family needs
 For financial freedom
 To acquire skills by joining a team
 Others(Specify)

2. Education of Group Members
Mark only one oval.

 Illiterate
 Primary School
 High School
 Pre Degree
 Degree Holders

 Other: 

3. Marital Status
Mark only one oval.

 Married
 Unmarried
 Widow
 Divorced

 Other: 

https://docs.google.com/forms/d/1EqMwopby5m7TWuQJW9Ekj4AcGrM7ohWF­XpXSTrtcn4/edit 1/5
21/04/2017 A study on the comparative perspectives of Organized and Unorganized lending Models in Microfinance

4. Occupation of Group Members
Mark only one oval.

 Agriculture
 Non Agri related
 Small Businesses
 Have a Job
 Others

5. Most of the members' family have only one source of Income
Mark only one oval.

 True
 False

II Organizational/Group Factors
Homogeneity of Groups  means that  how similar are the members in the groups are

6. Homogeneity
Mark only one oval per row.

Strongly Somewhat Strongly

Agree Disagree
Agree Agree Disagree
Members are from similar
Social Class
Members are from similar
Economic Class
Members are from similar
Educational Background
Members are from Neighbour

7. Maintenance of Records and Quality of Recording Systems
Mark only one oval per row.

Strongly Somewhat Strongly

Agree Disagree
Agree Agree Disagree
Meetings are Held Regularly
Attend Meetings Regularly
Attendance Recorded
Regularly
Member Wise Loan
Disbursements and
Repayments Recorded
Regulalry
Savings and Cash Status
Recorded Regula
Banking transactions are
updated regularly

https://docs.google.com/forms/d/1EqMwopby5m7TWuQJW9Ekj4AcGrM7ohWF­XpXSTrtcn4/edit 2/5
21/04/2017 A study on the comparative perspectives of Organized and Unorganized lending Models in Microfinance

8. Decision Making
Mark only one oval per row.

Strongly Somewhat Strongly

Agree Disagree
Agree Agree Disagree
Members participate in
decision making
Decision making is
transparent
Decision making is through
consensus
Decisions are made inside the
group completely

9. 4.Ability to enforce organizational norms
Mark only one oval per row.

Strongly Somewhat Strongly

Agree Disagree
Agree Agree Disagree
Members stick to attendance
Norms
Members follow savings
related norms
Members follow loan
disbursement and repayment
terms.
Proper action is taken against
loan defaulters

Member Knowledge on Purpose ,Role and Procedures

10. Member Knowledge
Mark only one oval per row.

Strongly Some what Strongly

Agree Disagree
Agree agree Disagree
Group Purpose
Loan and savings status
Bank Procedures and Links
Leaders and Members Roles
and Responsibilities

III.SOCIAL FACTORS
Member Awareness/Participation of social developmental Actvities

https://docs.google.com/forms/d/1EqMwopby5m7TWuQJW9Ekj4AcGrM7ohWF­XpXSTrtcn4/edit 3/5
21/04/2017 A study on the comparative perspectives of Organized and Unorganized lending Models in Microfinance

11. Mark only one oval per row.

Strongly Somewhat Strongly

Agree Disagree
Agree Agree Disagree
Education is important for
building knowledge and s
the importance of family
planning
Literacy improves your
confidence
Child Labour is punishable
Casting the vote is Important
Government Welfare
Programmes
Feel confident associating
with the group
Improvement in Social status
Groups help in Solving the
conflicts in life
Participate in Decision Making
at Homeow 12

IV Financial Factors
12. *
Mark only one oval per row.

Strongly Somewhat Strongly

Agree Disagree
Agree agree Disagree
Repayment is made regulary
Non Performing Loans have
decreased
Number of Defaulters are less
External Loan payment is
done regular intervals
Loans are distributed equally
among members
Idle fund as a percentage of
corpus is less
Savings are made regularly
Group takes measures to curb
overlending
Members are discouraged for
taking loans for unproductive
prposes

V Performance

https://docs.google.com/forms/d/1EqMwopby5m7TWuQJW9Ekj4AcGrM7ohWF­XpXSTrtcn4/edit 4/5
21/04/2017 A study on the comparative perspectives of Organized and Unorganized lending Models in Microfinance

13. Mark only one oval per row.

Strongly Somewhat Neither Agree nor Strongly

Agree
Agree Agree Disagree Disagree
Savings have increased
since joining the group
Number of income
generating activities have
increased
Repayment capacity has
increased
Complete utilization of
common fund
Successful in availing
Bank loans
After joining the SHG
status in the family
improved`
Number of active
members have increased.
External lending capacity
has increased

Powered by

https://docs.google.com/forms/d/1EqMwopby5m7TWuQJW9Ekj4AcGrM7ohWF­XpXSTrtcn4/edit 5/5