QUESTIONNAIRE FOR LOAN OFFICERS

BASELINE Name Date of Birth Gender Ethnicity ANSWER

Marital Status

Nr of kids

M / F 1 Bosniaks 2 Serbs 3 Croatian 4 Other (SPECIFY) 1 Never married 2 Married 3 Living with partner 4 Divorced/ Separated 5 Widowed Age 0-1 Age 2-5 Age 6-10 Age 11-16 00 None 01 Kindergarten 11 Grade I 12 Grade II 13 Grade III 14 Grade IV 21 Grade V 22 Grade VI 23 Grade VII 24 Grade VIII 31 Grade IX (see above) 32 Grade X 33 Grade XI 41Degree Yr 1 42 Degree Yr 2 43 Degree Yr 3 44 Degree Yr 4 51 Masters Yr 1 52 Masters Yr 2 61 Vocational training 71Other (SPECIFY)

Nr. of other household members Education

Education Spouse

WORK EXPERIENCE How many years have you been working with EKI? At which branch are you currently working? Name of Branch How many years have you been with this branch? Since you started with EKI, in how many Nr. of branches different branches have you worked? What type of job were you doing before you 1 Agricultural work joined EKI? 2 Shop/market work 3 Bank/financial services 4 Mining/quarrying 5 Work in school 6 Tourism 7 Other private business 8 Hospital 9 Government 10 Education 11 Other (SPECIFY) For how many years have you been working in (include years with EKI) the banking sector? Do you see your future in this sector/type of Yes / No work? How would you define your job with EKI? 1 The job provides me with satisfaction because it helps me to make a living 2 The job provides me with satisfaction because I am helping people (the poor?) 3 The job provides me with satisfaction because it combines earning income and helping people

ANSWER

In how far do you agree with the following statements: (1) Through my work with EKI, I can make a difference in peoples lives. (2) Through my work with EKI, I can help the poor. (3) ANY OTHER?? Have you ever been self-employed? If so, for how long? Why are you not self-employed anymore?

1 totally agree 2 agree 3 somewhat agree 4 disagree 5 totally disagree

Yes / No Nr of Years 1 Better job opportunity came up 2 I was able to sell the business 3 business went bankrupt 4 I preferred not to be selfemployed 5 Other (SPECIFY) ANSWER 1 to get better 2 stay about the same 3 get worse 1 to get better 2 stay about the same 3 get worse Yes / No 1 Agricultural Sector 2 Shop/market 3 Bank/financial services 4 Mining/quarrying 5 Tourism 7 Other private business 8 Other (SPECIFY) 1 increase 2 decrease 3 stay the same ANSWER

ECONOMIC OUTLOOK Do you expect our national economy [to get better, stay about the same, or get worse] within the next year? Do you expect your local economy [to get better, stay about the same, or get worse] within the next year? Do you think it is a good time to start up a new business? Which sector do you think is most promising for opening a new business? (give options)

Do you expect unemployment rate in your area to [increase/decrease/remain the same]?

PROCESSING OF LOAN APPLICATIONS What do you consider most important when deciding on loan-applications?

1 Collateral 2 Regular income 3 the business plan 3 the experience of the applicant 4 the personality of the applicant 5 How many loan applications do you on average attend to per month? How many of these loan applications due you on average approve per month? What do you consider most important when ? (give options, include for deciding on marginal loan-applications example: EKIs situation (I am more inclined to take on marginal clients when things are going well for EKI)) How would you describe a marginal client? [options weak collateral, risky business idea..] Were you ever positively surprised by the Yes / No payment history of a client you approved? How often did this happen within the last year? Were you ever negatively surprised by the Yes / No payment history of a client you approved? How often did this happen within the last year? When you are not sure about a loan 1 I usually immediately decline application, what do you normally do? the client 2 I discuss the application with a colleague 3 I think about it a bit more and let the client know one or two days later

Do you typically prefer to reject loan applications for which you have a doubt? What do you consider as more beneficial for EKIs portfolio (or overall performace)?

4 I usually still accept the client 5 Yes / No 1 Give new loans to existing clients of EKI 2 Give new loans to new and similar clients 1 Give new loans to marginal clients 2 Do not give out a loan. 1 I think they should not be provided by any MFI. 2 They might be a good idea but EKI should not provide them. 3 They should be provided by every MFI (including EKI)

What do you consider as more beneficial for EKIs portfolio? What do you think consumption purpose? about loans for

RISK PERCEPTION Have you ever taken a (formal) loan yourself? Do you currently have one? Would you consider taking one (another) in the future?

ANSWER Yes / No Yes / No Yes / No