On the whole, the program was viewed positively, even by clients who had left it. It may be noted that for 32.8% of them, the loan was considered easy to reimburse, but the loan amount was believed to be too small to meet their business needs. One must remember that one of the main complaints the participants (present clients) make to Zakoura is the small size of the loans.
In conclusion, it may be noted that the program has had a very clear impact when you consider the enterprise activities of clients versus non-clients or even when its effects at individual level are examined. The performance of the former is often significantly higher than in the case of the latter. However, the impact at household level is not as tangible. This may be explained by interference by other family members. On the other hand, we have observed that there are a proportionally higher number of clients who are the head of the household (35.30% against 21.30% in the case of non-clients). In the same way, the “dependency ratio” (defined as the ratio between the number of persons per household and the number of working members in that household) is higher among the clients as compared to non-clients.
Micro-Start Program: Local Technical Services Provider1Impact Study of the Zakoura Microcredit Program Fouzi MOURJI (December 2000)
To learn more about this author, visit United Nations Capital Development Fund's Website.
Like this article? Share it with your friends
 |
Related Articles |
|
 Viewpoint of outgoing clients - Impact Study of the Zakoura Microcredit Program
|
| |
On the whole, the program was viewed positively, even by clients who had left it. It may be noted that for 32.8% of them, the loan was considered easy to reimburse, but the loan amount was believed to be too small t...
|
|
Micro-Start Program: Local Technical Services Provider - Impact Study of the Zakoura Microcredit Program
|
| |
Zakoura Micro-Crédit (ZMC) is the microfinance arm of the Zakoura Foundation, a national NGO devoted to increasing the quality of life of the most underprivileged Moroccans. ZMC provides credit and training to a tar...
|
|
Findings - Impact Study of the Zakoura Microcredit Program
|
| |
It must be noted that in general, there were relatively more clients as compared to non-clients who were open and more at ease in answering the questions raised. For example, to a question referring to changes in th...
|
|
Chaibia Sabil's Story
|
| |
Chaibia is a client of Foundation Zakoura, a Grameen Foundation Growth Guarantee recipient.
|
|
Inhibitors to Success: Health
|
| |
The loss of income due to sickness and incapacitation of a borrower or a family member,
and the high cost of health treatment are detrimental to individuals and families in the developing
world. Therefore, it is n...
|
 |
Related Businesses - Evan Elite Authors |
|
Leanne Hoagland Smith
Are you or your business where you want to be? Are you facing constant struggles in business or life in general? Would you like to "unlock" those obstacles keeping you from greater business or personal success? As your results partner, we can work together to unlock those desired results by achieving tomorrow's solutions today. Let’s use your strengths for real change through proven and affordable solutions where the real problems are identified. Are you seeking loyal customers, great attitudes, increased sales, improved profitability or just some sleep filled nights? Then we should talk because my clients have experienced exactly those types of results. Learn more about customer loyalty at http://www.processspec ialist.com/customer-loyalty.htm Give me a call 219.759.5601 for a free strategy session. I look forward to speaking with you. P.S. If you are seeking a motivational speaker, sales trainer or small business expert that will leave your audience smiling and remembering, please feel free to contact me at 219.759.5601. - Visit Leanne Hoagland Smith's Website |
The Evan Elite Authors program is currently in beta phase. For details please contact us.
|
|
|
United Nations Capital Development Fund
(Visit United Nations's Website)
The United Nations Capital Development
Fund (UNCDF) is a UN organization mandated
by the UN General Assembly and its
Executive Board to provide capital
assistance first and foremost to the Least
Developed Countries (LDCs). UNCDF invests
in LDCs in order to support their efforts
to reduce poverty and achieve the
Millennium Development Goals, especially
in its two main product lines - Micro
finance and Local Development. UNCDF is
part of the UNDP-group and hosts the UN
Advisors Group on Inclusive Financial
Sectors.
|
|
|
United Nations Capital Development Fund's
Complete
List Of
African-Accounts
Articles
|
|
If you enjoyed this article, get United Nations Capital Development Fund's Complete List of African-Accounts Articles For FREE!
|
|
|
|
![[Get Copyright Permissions]](http://license.icopyright.net/images/icopy-w.gif){kind=small}
