Microfinance in Pakistan Essay

Final Report

Low income and Interpersonal Impact Analysis:

Pakistan Microfinance Policy

May 2006

Oxford Policy Administration

POVERTY AND SOCIAL EFFECT ASSESSMENT: PAKISTAN MICROFINANCE COVERAGE

|2

Disclaimer: The sights reflected in this report will not necessarily indicate that of standard DFID or UK Federal government policy.

POVERTY AND SOCIAL IMPACT EVALUATION: PAKISTAN MICROFINANCE POLICY

|3

TABLE OF CONTENTS

Abbreviations …………………………………………………………………………………………………. 7 Executive Brief summary................................................................... 10 Section 1:

Advantages.......................................................... 15

1 ) 1

Purpose of this study............................................................ 15

1 ) 2

Backdrop....................................................................... 15

1 ) 3

Format of this PSIA.............................................................. 17

Chapter 2:

Conceptual framework and international data............ 19

installment payments on your 1

Definitions........................................................................ 19

installment payments on your 2

Lower income: credit, financial savings, insurance, financial services.................... 20

installment payments on your 3

Market segments for financial services................................................. 27

Chapter 3:

The evolution of microfinance insurance plan in Pakistan.............. 32

several. 1

The context – the economic sector and poverty reduction................ 32

several. 2

Microfinance sector plan..................................................... 33

several. 3

Donors............................................................................. 37

Part 4:

The evolution of microfinance in PAKISTAN, 2000–2005...... 39

5. 1

Intro...................................................................... 39

4. 2

The macroeconomic context................................................... 39

four. 3

Economical sector and banking reconstructs........................................ 41

4. 4

Structure of the microfinance sector in Pakistan.......................... forty-four

4. 5

Formal sector case research..................................................... 61

Part 5:

access of the poor to microfinance and its impact............ 79

a few. 1

Launch...................................................................... 79

5. 2

Analysis from the PIHS and PSES.............................................. 80

your five. 3

Comes from a Household Economic Diary Review.......................... 86

5. 4

Quick background of surveyed microfinance programmes................. 89

5. your five

Study results.................................................................... 91

a few. 6

Results...................................................................... 103

LOW INCOME AND SOCIAL IMPACT EXAMINATION: PAKISTAN MICROFINANCE POLICY

|4

Chapter 6th:

conclusions.......................................................... a hundred and five

References

109

ANNEXES

Annex A:

Conditions of reference point................................................. 113

Annex B:

Key principles of microfinance................................... 119

Annex C:

Statement with the Advisors Group to the UN International Year of Microcredit, 2005................................................ 121

Annex Deb:

Comparative info................................................... 129

POVERTY AND SOCIABLE IMPACT ANALYSIS: PAKISTAN MICROFINANCE POLICY

|5

LIST OF DINING TABLES

Table installment payments on your 1

Category of microfinance providers (MFPs)................ 28

Desk 4. 2

Growth costs in Pakistan, 1950–2005 (%)........................ 40

Stand 4. 3

Microcredit suppliers: country side by side comparisons.................... 47

Stand 4. some

Microcredit clientele in six countries in South Asia............... 49

Table 4. five

Top five microcredit providers when it comes to number of

debtors in chosen...

References: of Microcredit, june 2006................................................ 121

Annex D:

Table 4. a couple of

Growth costs in Pakistan, 1950–2005 (%).......................

Effects of Racism Essay