Impact Assessments A tool for Organizational Learning

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Capital Outstanding per region
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Asia
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Capital outstanding per sector
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Capital outstanding per sector Asia
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• The CARD Experience
• The Philippines
• - population of 84 million
  
• - 40 of total population below the poverty
  line
• - 70 of the poor live in rural areas

CARD
- Mission to
improve the quality of life of the rural poor -
established in 1986 as non-stock, non-profit -
Operating in 11 provinces with combined
population of 11.5 million

- 39 of the population living below
poverty line
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• CARDs credit program
• - Grameen replication program started in
  1990

- initial 307 clients, portfolio of ltPhp1
million - As of November 2004


- 110,905 clients
- Portfolio of gtPhp612
million - Bank, Mutual Benefit Association
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• Objectives
  n Internal proving
  
  - Are we reaching the poor?
  
  - Are our clients moving up and out of poverty?

n Internal learning, improvement of methodology
and operations - Are our clients satisfied? -
Who are dropping out and why?
n Building internal
capacity to monitor and measure impact
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2. Hypothesis.
Participation in CARDs programs leads to
economic empowerment.

• 3. Indicators
• House Quality
• Food Security in terms of sufficiency and
  quality
• Rate of education of school age children
• Growth in assets

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4. Study Design - Focus Individual Client

• - Cross-sectional comparison 0.5, 2.5, 6 and
  9 years in the program
• - Longitudinal tracking of 0.5 year sample
• Tools
• - Means Test
• - Client Perception Survey
• - Client Satisfaction Survey
• - Client Exit Survey
• - Focus Group Discussions

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Preliminary Results

• Internal Proving
• Are we reaching the Poor

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• Are our clients moving up and out of poverty?

Housing Index
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• Are our clients moving up and out of poverty?

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Client Perception Quality
of Life with CARD
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A CARD client
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Leticia Roxas Generating Employment
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Conchita Yalung Beating the Odds
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Beating the Odds
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• Changes in CARD
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• 1. New Program Balik-CARD

2. Renewed Focus on Center Dynamics, Center
Development Calendar 3. Policy Changes
Covering Withdrawal of capital build-up and
savings 4. Retraining and Reorientation of staff

5. Continued product
development and review
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