Questionnaire

1. Name ________________________________ 2. Designation __________________________________ 3. Name of Organisation __________________________ 4. For how many years has your organisation been in existence?

a. Less than 5 years [ ] b. 5 years - 10 years [ ] c. 10 years - 15 years [ ] d. 15 years and above [ ] 5. What type of a Micro Credit Service provider are you? a. Public Sector Commercial Bank [ ] b. Private Sector Commercial Bank [ ] c. Regional Rural Bank [ ] d. Co-operative Bank [ ] e. Registered NBFC [ ] f. Unregistered NBFC [ ] g. Society/Trust [ ] h. Others [ ] 6. What type of MFI are you? a. Not - for - profit MFI [ ] b. Mutual Benefit MFI [ ] c. For - profit MFI [ ] 7. Is your reach pan - Indian (throughout India)? a. Yes [ ] b. No [ ] 8. If no, please specify the region/state to which your facilities are limited to _________________________________________________________________ 9. Most of your individual clients are: a. Female [ ] b. Male [ ] 10. Most of your clients live in a. Rural Areas [ ] b. Urban Areas [ ] 11. Do you provide your services only to your members? a. Yes [ ] b. No [ ] 12. If yes, what is the membership fee? 13. Which of the following services do you provide? a. micro credit [ ] b. micro savings [ ]

c. micro insurance [ ] d. remittances [ ] 14. How do you finance the funds that you loan? ____________________________________________________________________ 15. What is the minimum and maximum amount of loans that you offer? _____________________________________________________________ 16. How many different loan products does your MFI have? _____________________________________________________________________ 17. What is the rate of interest charged by your MFI on major loan products? _________________________________________________________________ 18. Which of the following is your largest loan taker? a. SMEs/MMEs in handicraft or trade sector [ ] b. Landless Tenants [ ] c. Casual Labourers [ ] d. Community organisations [ ] e. Literate Individuals [ ] f. Illiterate individuals [ ] g. Persons belonging to religious minorities [ ] 19. Do you rely on land and housing property as loan collateral? a. Yes [ ] b. No [ ] 20. Do you rely on social collaterals (e.g. recommendation by a trusted third party) a. yes [ ] b. no [ ] 21. Are loans granted as a multiple of a mandatory savings account? a. Yes [ ] b. No [ ] 22. How quickly are the loans disbursed (distributed) among borrowers? a. Less than 2 weeks b. More than 2 weeks 23. Do clients have a passbook for their savings? a. Yes b. No 24. Do clients have a passbook for their loans? a. Yes b. No 25. What is the size of minimum instalment amount, for loans with monthly repayment? 26. Does the MFI provide social/emergency loans? 27. Does the MFI provide loans tailored to client's needs? 28. What is the flexibility of repayments of the clients? a. one pattern for all loans

b. the MFI proposes different formula c. the schedule is decided with the clients when receiving the loan 29. Has the MFI ever had to change its products or services due to negative impact on social cohesion and client welfare? a. not studied b. studied but no changes made so far c. studied and no problems recorded d. changes made after identification of the problem 30. Does the MFI study the level of indebtedness of the clients and take measures against over indebtedness? a. not studied b. studied but no changes made so far c. studied and no problems recorded d. measures were taken after identification of over indebtedness 31. Does the MFI free the family from indebtedness in case of death of the borrower? a. no b. only for some loans c. for more than 75% of the outstanding loans d. others 32. After how many days after due date do you consider the loan to be defaulted? 33. Do you use any of the following methods of loan collection? a. Savings b. collaterals c. attorney collection d. arbitration e. court action 34. How many of your clients have defaulted on a loan? 35. Do you consider the whole loan amount to be defaulted or only the part of repayment not paid to be defaulted? 36. How many of your clients have dropped out of the micro-financing model? 37. Do you offer to your clients any of the following? a. Preventive Health Services b. Curative health services c. Nutrition educative services d. Business training e. Literacy Training f. Social awareness training g. Legal counsel h. Market information (inputs, outputs, marketing) i. School education to children

38. Do the representatives of the clients and senior management of the MFI meet to discuss the structure or conduct of the MFI? a. yes b. no 39. Has your MFI been invited to participate in any of the following? a. planning meetings of Government b. planning meetings of Non-Government organisation c. social/political movements with a focus to improve the situation of poor in the society 40. are any of the senior management team elected members of: a. village/district councils b. political parties 41. Do you think you have been successful in poverty alleviation in some cases? a. Yes b. No