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Annexure 1: Questionnaire - Impact of Microfinance On Women Empowerment: Evidence From Gujarat
Annexure 1: Questionnaire - Impact of Microfinance On Women Empowerment: Evidence From Gujarat
Sample Category:
_________________________________________________________________
Taluka: District:
1.11 Rank in Scale of 1 to 5 (1 most important ,5 least 1.12 Criteria for forming the
important), your reason for joining the Group (SHG/JLG) SHG/JLG
1.11.1 Saving Source 1.12.1 Homogeneity in
Standard of
Living
1.11.2 Improved scope for capital 1.12.2 Proximity of
formation in the household Residences
1.11.3 Sources of loan for consumption 1.12.3 Involved in the
needs and Income generating Same Income
Activity (IGA) Generating
Activity (IGA)
1.11.4 Improves social status 1.12.4 Others (specify)
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2.1) Caste 2.1.1) 2.1.2) SC 2.1.3) 2.1.4) 2.1.5) Minority
General ST OBC
2.2) Gender 2.2.1) Male 2.2.2) Female
2.3) Age 2.3.1) < 2.3.2) 18- 2.3.3) 26- 2.3.4) 36- 2.3.5)46- 2.3.6)>55
Group 18 25 35 45 55
Family Details:
3.4) How many Children (above the age of 3yrs) go to School/ College?
3.5) Please mention the education expenses of your household for the current year for
the school going children (Including school fees and other educational expenses)?
3.6) Highest Education Level of the Children in your household (Above 3yrs of age)
Occupation Details:
175
4.1.4 Industrial Labour 4.1.5 Salaried Employee
5.4.5. Safe drinking water within the house/area 5.4.6. Access to Medical Facilities
LOAN DETAILS
6.1 Have you received loan as SHG/ JLG Member? 6.1.1. Yes 6.1.2. No
176
6.3 How many times have you received loan? _____________________________________
6.6 Have you been able to repay loan on time? 6.6.1. Yes 6.6.2. No
6.6.3. Sometimes
6.7 Have you borrowed loan from other sources? 6.7.1. Yes 6.7.2. No
6.8 How many times have you borrowed loan from other sources? ____________________
INCOME
SAVINGS
8.1 Does your household have a bank account? 8.1.1. Yes 8.1.2. No 8.1.3. No of
A/cs_____
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8.2.1. Bank 8.2.2. Post Office 8.2.3. Chit Fund
8.2.4. Savings with SHG/JLG 8.2.5. Cooperative Society 8.2.6. Others
(specify) _________
8.3.4. Jointly with Spouse 8.3.5. Jointly with other family member
9.1.1 Food
9.1.2 Clothing
9.1.3 Education
9.1.7Transportation
178
9.1.8 SHG/ JLG loan Inst
9.1Total
10.2.1Agricultural 10.2.5Business
Land Assets
179
E. Contribution to Decision Making and Mobility
12 Who takes the decision Self Spous Jointl 13 Women’s freedom and
for the following activities e y confidence of movement
12.1 Purchase of Basic 13.1 Can’t go outside
Household needs (Grocery)
12.2 Purchase of Livestock 13.2 Can visit another village
12.3 Purchase of household 13.3 Can visit other village
assets(TV, Fridge, Mobile, and nearest town
Furniture)
12.4 Purchase of Land/House 13.4 Can visit city
12.5 Children schooling 13.5 Can visit market for
expenses purchase of household items
12.6 Which school to send to
children
12.7 Health/ Medical
Expenses Family
12.8 Health/ Medical
Expenses for self
12.9Use of Birth Control
Methods
12.10Use of Loan Amount
12.12Children Marriage
Decision
180
15.1 Have you ever been victim to domestic Violence? 15.1.1 Yes 15.1.2 No
15.2.3 Negligence
181
VII. Self Perception of Beneficiary Empowerment
182
Annexure 2: Microfinance and Women Empowerment – Variables used by various
researchers
183
7 John Santiago Joseph Age
(2005) Education
Family
Caste
Microcredit and self-help group
Women Empowerment within Self, family
and group
8 Dr. Jyotish Prakesh Basu Economic Decision Making
(2006) Purchasing capacity
Control over loans
Control over income and savings
Family planning
9 Ranjula Bali Swain ,2006) Awareness regarding reservation for women
in panchayats and jobs.
Involvement in village politics
Decision making within the household:
family planning, Children's marriage, buying
and selling property, sending daughter's to
school,
All decisions of the family.
10 Emil Mathew (2006) Selecting the borrowers
Monitoring the utilisation of loans
Enforcing the repayment of loans
184
Participation in Panchayati Raj Institutions
14 Meenakshi Gupta and Expansion and diversification of livelihood
Vaishali Gupta (2009) activities
Employment opportunities,
Income
Asset acquisitions
Savings
Access to loans from various sources
Vulnerability
Children education
15 Luuk van Kempten, Socio-economic Conditions,
(2009) Control over own life,
Gender Relations,
Independent decision making,
Domestic violence,
Dowry System,
16 Fiona Leach and Impact of Project on Economic and Social
Shashikala Sitaram (2010) status
Impact of excluding men playing any
meaningful role
185
Morbidity Differences
21 N. Thalavai Pillai, S. Psychological factors: Improvement in
Nadarajan, (2011) courage, self-confidence, self-worthiness,
skill development, literacy level, health and
sanitation, children education, food and
nutrition, awareness about environment and
peace in family
Economic Factors: Reduced poverty,
improvement in rural savings, Women
undertaking IGA, employment
opportunities, asset creation, increased
standard of living
Social factors:
Managerial ability, Role of decision making,
group management, microenterprises,
freedom to express, Independent movement,
Awareness about training, Participation in
democratic institutions, sustainability and
cohesiveness in group.
Managerial skills:
Planning, organising, coordinating, technical
skill, marketing, entrepreneurial and
communication skill, financial management,
leadership and decision making.
22 Dr. Sangeeta Arora and Access to credit
Ms. Meenu ( 2011) Consumption pattern
Awareness level
Financial Inclusion
23 M Aruna and Rema Economic status
Jyothirmayi (2011) Decision Making
Knowledge and Awareness
Self Worthiness
24 Sanjay Kanti Das, (2011) Social Constraints,
Economic Constraints,
Political Constraints,
Psychological Constraints,
Technological constraints and
Overall constraints- Personal constraints,
cognitive constraints, Organisational
Constraints, Infrastructural Constraints,
Marketing constraints
25 Sarahat Salma Labour Supply,
Chowdhury and Non-Land Asset Accumulation,
SifatAdiya Chowdhury, Family Planning,
(2011) Children’s Education,
Household Expenditure Per Annum,
26 Dr. Sangeeta Arora and Access to credit
Ms. Meenu ( 2011) Consumption pattern
Awareness level
Financial Inclusion
186
27 M Aruna and Rema Economic status
Jyothirmayi (2011) Decision Making
Knowledge and Awareness
Self Worthiness
28 Sanjay Kanti Das, (2011) Social Constraints,
Economic Constraints,
Political Constraints,
Psychological Constraints,
Technological constraints and
Overall constraints- Personal constraints,
cognitive constraints, Organisational
Constraints, Infrastructural Constraints,
Marketing constraints
29 Sarahat Salma Labour Supply,
Chowdhury and Non-Land Asset Accumulation,
SifatAdiya Chowdhury, Family Planning,
(2011) Children’s Education,
Household Expenditure Per Annum,
30 Dr. Sangeeta Arora and Access to credit
Ms. Meenu ( 2011) Consumption pattern
Awareness level
Financial Inclusion
32 BL centre of Acquisition of literacy and numerical skills;
Development Research awareness of basic legal rights;
and Action(2007) awareness of projects and state development
activities;
critical political consciousness,
electoral process,
societal analysis and gender issues;
enhanced social status as perceived by self
and other’s;
freedom from exploitation-money lenders,
landlords etc.;
active role in organization of group and other
political bodies, viz. Panchayat;
Ensuring literacy and education of girl child;
health consciousness;
restructuring of women in time utilization;
Enhanced decision making powers within the
household.
32 Kahabi Ganka Isangula, Integrated Microfinance
(2012) Gender Equity,
Health and HIV/AIDS,
Intimate partner violence,
Consequences of women Economic
Empowerment
Risk of family conflict.
33 R Subashini and K Leadership,
Jeyakodi, (2012) Decision making,
Personality,
187
Economic, Social, Managerial
Empowerment,
Political and Legal.
34 Sanjay V. Yadav (2013) Improvement on Economic status
Income and Expenditure Pattern
35 Mushumbusi Paul Kato Control over savings and income,
and Jan Kratzer, 2013) Ownership,
Decision-making,
Self-efficacy,
Self-esteem,
Mobility
Participation in
Activities outside home.
46 MYRADA 2002 Demographic Profile of SHG member
households
Age, Marital status, Education,
Awareness and Mobility Levels
Lending sources
Reasons for group formation
Financial Position
Family Income
Role in financial Decision
Confidence level
Knowledge about Health and Hygiene
Contribution in household income
Ownership of house
Ownership of land
Bank account and financial transaction
Role in Decisions about self
Participation in Local Affairs and SHG
Activities
Health facility
Family Planning decisions
Children education
Professional and Technical Skills
Perception , awareness and willingness of
spouse and family member to let her
continue as SHG member
37 Wolfgang Hannover - Socio Economic background
NABARD Study Report Age, literacy, occupation, economic activity,
(2005) criteria for becoming SHG member,
frequency of SHG meeting, Level of
attendance in meetings, opinion on the utility
of SHG.
Access to financial services and related
performance
Sources of funds
Average loans
Savings
Use of loans
Sources of loan
188
Loan interest and period
Asset Base and Employment Generation
Average Value of Asset
Asset holding pattern
Employment and Employment activity
Income levels , Consumption and Poverty
Alleviation
Sources of Income
Incremental Income
Changes in Consumption pattern
Consumption Expenditure
Consumption Expenditure by items
Empowerment of Women
Self Confidence
Level of Communication
Decision making in household
Communication with officials
Protest against social evils
Domestic Violence
Responses for the following domestic
violence: Verbal Abuse, Beating/ physical
violence, Negligence, Psychological and
emotional abuse
Access to various facilities and services:
medical facilities, Sanitation facilities within
house/village, water supply within
house/village, schooling for children, market
facility, transport facility
Composite index of standard of living
189