Case Study
ICMC and Project Enterprise Bosnia and Herzegovina
Measuring the impact of a microlending program
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55 pages
This paper reports the findings and implications of the impact survey carried out by ICMC and Mercy Corps Scottish European Aid (MC/SEA) in Bosnia and Herzegovina. With the purpose of improving the program, the survey measured the impact of the microlending program - Project Enterprise (PE) against the following expected hypotheses:
- The program strategy is effective in reaching its target group;
- There is an increase in the household wellbeing;
- There is an improvement in the business.
The paper further describes the survey methodology and the sampling scheme. The survey reports findings on the following parameters:
- Program perception by clients;
- Descriptor information;
- Impacts resulting from the project in terms of incomes, expenditures, savings, household well-being and improvement in business.
Finally the document makes the following key recommendations to improve the program:
- Replicate the survey in other project areas;
- Re-examine outreach and parameters of PE;
- Pair the survey with a more qualitative tool;
- Explore the issue of loan fungibility for development of newer products or services;
- Reinforce monitoring of loan use after loan disbursement;
- Introduce loan officer training on monitoring;
- Monitor closely the products and services for further improvements.
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