UNITY UNIVERSITY ADAMA SPECIAL CAMPUS

DEPARTMENT OF BUSINESS MANAGEMENT

POST GRADUATE PROGRAM
QUESTIONNAIRE

Dear Sir/Madam I am a postgraduate student of department of MBA.at 2014.E.C. I am

undertaking a research work on “The Role of MFIs on the Livelihood of Microcredit
Beneficiaries: (Experiences from Selected MFIs Operating in Adama Town). This questionnaire
is prepared to be completed by you and the purpose is to gather information relating to the study
area solely for an academic research paper in partial fulfillment of the requirement for the award
of MBA.
I also request you to cooperate and give due attention in answering these questions as the success
of this work depends on your willingness. I once again assure you that the information you
provide will not be exposed for purposes other than the study. In case you have any query, you
can contact me via Mob +251 911-655748 Teklu Kere.
Thank you for scarifying your precious time in advance
General Instructions
 There is no need of writing your name
Where answer options are available please tick (√) in the appropriate box for all parts
Directions:-Please select your answers by encircling the appropriate response category.
Part I. Personal questions
1. What is your gender? Male Female
2. Educational Qualification
Secondary Certificate
 College diploma First Degree or above
3. How many years have been doing business with the MFIs?
Less than 2 year 6 – 10 years

2– 5 years 10 years and above

4. Marital status: single married divorced Widowed

5. What is Occupation\profession?
Self-employed (MSEs, Trader, Farmer)
General craftsperson
Civil servant
Student
Other
6. Please give your reason to take the loan
Expand ongoing business
To start anew business
Meet financial need of home
PART II: In Relation to Role of MFIs Services on Beneficiaries Livelihood.
With regard to MFI Services of your firm, please tick (√) the appropriate box to indicate the
extent to which you agree or disagree with each statement. The item scales are five-point Likert
type scales with 1 = strongly disagree, 2 = disagree, 3 = neutral, 4 =agree, 5 = strongly agree
Variables No Items Agreement Scales

1 2 3 4 5

1 My MFI encourages me to make regular savings

2 Savings with MFIs are compulsory

Saving Services

3 MFIs saving services have helped cushion people against

familiar risks such as illness, theft, job losses etc

4 The opportunities for savings enable you create assets for

future investment and financial security.

5 The opportunity to save provides you with the capacity to

access better financing for business endeavors in terms
capacity and productivity
 6 The source of money for saving is from business profit
financed by the loan

7 The procedure of obtaining loans from MFIs is easier

than conventional banking

8 The amount of the loan given by MFIs is satisfactory

for the intended purpose
Lending Services

9 There is no collateral security required for the loan

10 You invested the last loans you took from MFI in an

income generating activity

11 Microfinance institutions’ Policy on loan repayment

period is friendly as compared to commercial banks

12 The rate of interest of microcredit is reasonable

13 You got from MFIs training before you received the

loan about loan utilization
Training and Education Services

14 Training from microfinance institutions has enabled me

to maintain a record of my business transactions.

15 MFIs training and education services have helped you

impart widespread knowledge on how to manage loans

16 MFIs training and education services have enhanced

efficient management of your business

17 You feel capable of handling money and making

business decision after you got training from MFIs

18 MFIs training and education services have helped you

to drive down the cost of operations of your business

19 MFIs consultancy services have led to rapid expansion

Management and

of business
Consultancy

20 MFIs consultancy services have provided you with

fashionable management knowledge and techniques

21 MFIs consultancy services have helped you in

evolution of business thinking
 22 MFIs consultancy services have helped you with
Services appropriate remedies on emerging problems.

23 Operational assistance received from MFIs was helpful

to run the business

24 MFIs advise me on how best to utilize the loan money

25 Microfinance institutions finance any kind of project

regardless of the credit requirements
Project Appraisal and Business

26 Microfinance institutions only finance those projects

that they are sure of their profitable performance
Development Services

27 MFIs services have helped in creation of Household

products or services

28 MFIs services allows for new jobs creation

29 There were supervision on loan utilization and loan

repayment

30 MFIs potentially working on SMEs that create and

sustain the jobs necessary for poor people to work and
earn the income

31 MFIs saving services have helped me to improve on

Improvement in Beneficiaries Livelihood

growth and expansion of my businesses due to wealth

accumulation

32 The finance I got from MFIs improved households’

consumption patterns, income prospects, and the
decision to send children to school.

33 I have better and improved living conditions through

microfinance

34 Microfinance has enabled me to engage in

entrepreneurial and economic activities that make more
self-reliant

35 as a result of access to microfinance have built assets

and are less vulnerable to life shocks
 36 Micro-finance is helping you in better access to
education

37 Micro-finance is helping you in better access to

healthcare

38 By micro-finance your food security has increased

If you have any comment you well come:

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THANK YOU SO MUCH!!!