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Viewpoint of outgoing clients - Impact Study of the Zakoura Microcredit Program

Written by: United Nations Capital Development Fund

Article Overview: 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.

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 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 Provider-
Impact Study of the Zakoura Microcredit Program
Fouzi MOURJI
(December 2000)

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Article Tags: conclusion, dependency ratio, enterprise activities, family members, household level, impact study, interference, loans, micro start, microcredit program, participants, technical services provider



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