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CLIENT EXIT
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Profile
• A total of 436 dropouts were interviewed.
• Majority (75%) of the dropouts are female.
• More than fifty percent (53.8%) of the respondents had one to three loan cycles.
• Eighty percent of the dropouts decided to leave AFCCo on their own accord.
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Reasons for leaving AFCCO
• Majority of the dropouts stated that they left AFFCO due to problems related to policy, center, personal life, business, and economic downturn.
• Policy-related: .loan terms are too short
• Center-related: cannot follow center policies
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Reasons for leaving AFCCO
• Business-related: Have seasonal business and will only acquire a loan if needed.
• Personal reasons: missed payments due to family crisis or celebrations.
• Economic-related: existence of new business competitors that decreases income.
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Loan Use
• Loans were used as startup capital of business.
• Loans also helped the family in terms of providing education for its members.
• Experience of dropouts in repayment ranges from “good” to “had problems”
• Majority of the clients said that their income either increased slightly or stayed the same upon availing the loan.
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• Dropouts cited three major benefits from their centers:
- Became friends with fellow center members.
- Helped in loan repayments
- received assistance in their personal problems.
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• Forty seven percent of the dropouts will encourage other friends and relatives to join AFCCO.
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Gender
n %Female 327 75%Male 88 20%Missing 21 5%Total 436 100%
Gender AFCCO SEDPI
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Loan Cycle
n %1 104 23.9%2 99 22.7%3 75 17.2%4 45 10.3%5 22 5.0%
6 25 5.7%
7 1 0.2%
more than seven 45 10.3%
missing 20 4.6%Total 436 100.0%
Loan Cycle AFCCO
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Amount of Loan
Amount of last loan
n %2,000-4,999 34 7.8%5,000-9,999 56 12.8%15,000-19,999 331 75.9%20,000-25,000 1 0.2%Missing 14 3.2%
Total 436 100.0%
AFCCO
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Payment of Last Loan
n %
yes 426 97.7%missing 10 2.3%
Total 436 100.0%
Fully paid
AFCCO
SP1-O12Amount of Savings Withdrawn
n %0 124 28.4%1-499 111 25.5%1,000-1,499 23 5.3%1,500-1,999 22 5.0%2,000-2,499 10 2.3%
2,500-2999 3 0.7%
3,000-3,499 1 0.2%
3,500-3,999 1 0.2%
4,000 and above 5 1.1%missing 57 13.1%Total 436 100.0%
AFCCOAmount in Peso
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Income Generating Activity
n %Trading, vending, buy and sell 192 54.4%Manufacturing 3 0.8%Farming 58 16.4%Animal raising 11 3.1%None 77 21.8%
Total 353 100.0%
Income Generating ActivityAFCCO
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Decision to leave AFCCo
n %Client's decision 280 64.2%Spouse's decision 88 20.2%Parents's decision 6 1.4%Sibling's decision 7 1.6%Others (Aunt and cousins) 2 0.5%
Decision to leave the MFI AFCCO
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Reasons of AFCCo
n %Repayment problem 86 45.5%Poor attendance at weekly meeting 37 19.6%Other reasons 3 1.6%
AFCCO's ReasonsAFCCO
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Problems related to Policies
n %Loan amount too small 58 13.3%Loan terms are too short 97 22.2%Loans are too expensive 47 10.8%Disbursement takes too long 7 1.6%Problems with MFI personnel 13 3.0%
Found another program with better terms
12 2.8%
Reasons AFCCO
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Problems related to the center
n %Center asked me to leave 29 6.7%Center dissolved 68 15.6%Disagreements with center officer 9 2.1%Not willing to attend center meeting 26 6.0%Cannot follow all policies of the center 92 21.1%
Reasons AFCCO
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Business-related Reasons
n %I have enough working capital already 92 21.1%I have a seasonal business and I will apply to credit when I need it again
122 28.0%I decided to close down the business and do something else 52 11.9%
ReasonsAFCCO
SP1-O19
Personal Reasons
n %I was unable to continue repaying my loan because I used it for a family crisis or celebration 112 25.7%My spouse or another income-generating member of my household left and I cannot maintain my business
104 23.9%I am moving away 104 23.9%I do not want to loan (risk aversion) 45 10.3%
ReasonsAFCCO
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Economic-related reasons
• .
n %Business was destroyed in catastrophe 110 25.2%A new competitor is taking customers away from my business 158 36.2%Deterioration of the economy has affected sales 6 1.4%
ReasonsAFCCO
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Use of Loan (Business)
n %Start my business 179 41.1%Keep my business 100 22.9%Loan helped me expand my business 77 17.7%Loan did not help my business 44 10.1%
Use of loan (Business)AFCCO
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Use of loan (Family)
n %Improve diet 102 23.4%Provide education for myself and my children
196 45.0%improve housing condition 57 13.1%Purchase assets 59 13.5%
Use of loan (family)AFCCO
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Experience in loan payment
n %Good 131 30.0%Easy 86 19.7%Had problems 156 35.8%Difficult 60 13.8%Missing 3 0.7%
Total 436 100.0%
Experience in loan repayment
AFCCO
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Change in Income
n %Increased substantially 50 11.5%Increased slightly 124 28.4%Stayed the same 132 30.3%Decreased slightly 82 18.8%Decreased substantially 20 4.6%
I don't know 25 5.7%
Missing 3 0.7%
Total 436 100.0%
Change in income AFCCO
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Benefits from Center
n %Loan repayment 52 11.9%Assistance on personal problems 57 13.1%Providing business ideas 38 8.7%Make friends 70 16.1%Developed leadership skills 34 7.8%
Received trainings 4 0.9%
AFCCOBenefits from Center
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Weekly Center Meeting Experience
n %Helpful 90 20.6%did not help very much 86 19.7%I did not like center meetings 96 22.0%
Weekly center meetingAFCCO
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Return to the program
n %Yes 121 27.8%Maybe 195 44.7%Only If changes are made 85 19.5%No 34 7.8%Missing 1 0.2%
Total 436 100.0%
Return to the programAFCCO
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Encourage others
n %Yes 204 46.8%No 124 28.4%I don't know 101 23.2%Missing 7 1.6%Total 436 100.0%
Encourage others to join AFCCO
AFCCO