LOAN USE INFORMATION

123456789101112When did you get the last loan? No response YEAR------------Does not know How did you take the loan? By forming a group Individually Others--------How many members are there in the group? MALE------------------------FEMALE-------------------------Do you know all your group members before forming the group YES NO Do You monitor your group members for the intended purpose Utilization of the loan? YES NO Does the group have any internal controlling mechanism in regulation form? YES NO Did you get the amount you requested? YES NO If the answer is no Specify the reason-----------Did you get training before you received the loan about loan utilization? YES NO Was the amount of the loan size satisfactory for the intended purpose? YES NO Was the loan issued timely? YES NO Did you invest the last loans you took from MFI in an income Generating activities? YES NO What was the activity you are engaged after taking the loan? Commercial (trade) Manufacturing (textile production, crafts, leatherwork) Service (hairdressing, restaurants, food stalls) Agriculture Others (specify) Do you use any portion of your last loan for unintended purpose? YES NO To what purpose did you use? Buy food for the household Buy clothes for the household Give or loan the money to others Keep money on hand for emergency Others specify---------------What is the status of your loan repayment? Fully repaid Repayment according to schedule Not repaid according to schedule Does not know No response What was the amount you repaid? Fully repaid in Rs_______________ Repayment according to scheduleRs_________ Not repaid according to schedule Birr______________ If did not pay according to schedule, what is the major reason?

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The loan activity was not profitable Profitable but used for other expenditures Profitable but the outputs are sold in credit Loss of assets Others (please specify)__________________ Do you believe the loan should be repaid? YES NO Do you have access to credit from other sources other than MFI? YES NO If yes, from what? Others Please Individual money lenders Relatives friends Banks specify)__ If yes why did you borrow from other sources? Need of more amount Interest rate is low Easier to get Others (Please specify)_________ To what purpose did you need the loan? For business activity For food consumption For clothing To buy fixed assets For medical service Others specify-----------What do you think about the lending interest rate of MFI? High Moderate Low Does not know No response What is your term of receiving loan? Every six Weekly Monthly Quarterly Every four months months Every year Other specify------------------What do you think about the repayment period of the loan? Short Satisfactory Long

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SOURCE OF INCOME AND LEVEL OF INCOME OF THE HOUSEHOLD

1234Did you have a source of income for your household before the loan? YES NO If yes, specify the average monthly income in Rs---------------------------------What is your average monthly income after you have taken the loan? Specify in Rs------------------------------------------During the last twelve months has your over all income Stayed the Decreased greatly Decreased same Increased Increased greatly If decreased, what is the main reason? One of the household member has been sick Poor sales Production was poor Lost job Others (Please specify)___________

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If increased, what is the main reason? Expanded existing enterprise Under took new enterprises Sold in new markets Got a job Income from other sources Others (Please specify)___________ Is there any one who is engaged in income generating activity from Member of your household? YES NO If yes how many of them are engaged? Specify in number___________________ In what kind of activity are they engaged? Permanent Handicraft Trade Service Wage laborer employee Agriculture Others (Please specify)________ During the last twelve months, did you make any of the following changes to your enterprise activities after taking the loan? a. Expanded size of enterprise YES NO b. Added new enterprises YES NO c. Hired more workers YES NO d. Improved quality of products YES NO e. Reduced costs by buying inputs in greater volume YES NO f. Reduced costs with cheaper source of credit YES NO g. Sold in new market YES NO

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EMPLOYMENT AND JOB OPPORTUNITY

1What was the major type of activity you engaged before the loan? Local drink preparation Wood works Metal work Wavering Hotel /restaurant Food preparation Animal husbandry Bakery Shoe repair/shiner Barber Unemployed Others (please specify) _____ Is there any worker who helps you before the loan? Yes No If yes who are they? Family members Hired labor Others (please specify)____ Apprehentship Do you think your business activities improved after the loan? Yes No Do you think your business activity increases job opportunity? Yes No Did you use hired labor in your business activity? Yes If yes, how many? Male _____ No Female_______

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Do you think your production after loan Decreased Stayed the same Do you think your business profit after the loan Decreased Stayed the same

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SAVING INFORMATION

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Do you have savings at MFI? Yes No 2- If yes, what type of saving? Compulsory Voluntary Both compulsory and voluntary Others (Please specify)---------------3If yes, specify the average monthly saving amount in birr Compulsory________ Voluntary---------------4- What is current total amount of saving? Specify in Rs___________ 5- What is your source of money for saving? From business profit financed by the loan From other sources of income Borrowed from friends Borrowed from relatives Borrowed at cost Income from employment Others (Please specify)__________ 6- Have you faced any difficulties for compulsory savings? Yes No 7- If yes, how do you manage the difficulties? Sold household assets Borrowed from relatives Borrowed from friends Borrowed at cost I did not pay Others (Please specify)_______ 8- Do you like compulsory saving? Yes No 9- During the last twelve months have your savings Decreased Stayed the same Increased 10- For what purpose do you save? For loan repayment For safety of cash For consumption To earn interest Bought household assets Made improvement to the house To with draw during emergency not used savings Others (Please specify)______ 11. What are the attractive features of MFI saving facilities? Convenient to make deposit and withdrawal since it is near by The interest rate is good Offers a safe way of holding savings Other (Please specify)______ 12. What do you think about the interest rate of MFI paid on saving?

Less than the market rate Greater than the market rate Have no information about the interest rate Does not know