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Measuring and reporting on supporting improvements in the quality of life 2 Prepared By: Pum Sophy Siem Reap June 2015

Heading Title Calibri Font ( 25pt ) 3 Research Department - Does AMK really reach poor people? - Is AMK having a transformation impact on them? Social research To ensure AMK is achieving its mission, following issues have to be addressed: - Does AMK products fit the market needs? - What are the MFI market trends? How does AMK perform compared to the competitors? Market research  The Research department’s objective is to create a systematic way to collect, store and analyze information about AMK clients and MFI market in order to provide the Management with the outcomes as an input for decisions making.

Heading Title Calibri Font ( 25pt ) 4 Research Dpt. and SPC Advise the Board on Social Performance management, in order to mirror the Finance Committee s advices Ensure that decision-making considers both social and financial outcomes. Awareness of the social and financial consequences of decisions leads to better overall performance management. AMK Management Research Department ( 7 px) Social Performance Committee Board of Directors Communicated the research findings Advise Understand the current issues regarding AMK social responsibility towards clients and staff, and Improve current product and develop new products

Heading Title Calibri Font ( 25pt ) 5 Outcome Measuring

Heading Title Calibri Font ( 25pt ) 6 AMK’s mission is "to help large numbers of poor people to improve their livelihood options through the delivery of appropriate and viable microfinance services”. Large Numbers Poor People Appropriate &Viable Microfinance Services Adequacy of Products Transparency and Client Protection Improve livelihood options Other social responsibilities …Rationale Is AMK having any transformational change on clients? 1- Are current clients better-off or poorer than when they first jointed AMK? 2- Have Exit clients been hurt by AMK loans

Heading Title Calibri Font ( 25pt ) 7 Physical Assets Expenditures: On Food. On Clothing/Footwear Social Capital Vulnerability: Ability to afford large expenses + Ability use Save Food Security (and Quality of Diet) Human Assets: Children’s Education + Affordability Health Care Key Poverty Dimensions ID Poor, PPI

Heading Title Calibri Font ( 25pt ) 8 Methodology Total Villages: : 22 villages  2012: 20 villages (non-clients missing in 2 villages) 2007: 25 villages  2012: 25 villages. PRIMARY ANALYSIS (Section 3.1 to 3.4) SECONDARY ANALYSIS (Section 3.5) EXCLUDED ANALYSIS TOTAL Active Clients Non-clients who remain Non-clients Dormant Clients Voluntary Exited Clients Involuntary Exited (Closed VB) Non-clients becoming clients

Heading Title Calibri Font ( 25pt ) 9  Intensive training to data collectors ( if enumerators are hired to collaborate during fieldwork)  Physical cross-check of questionnaires (Physical crosscheck will be done at least twice per questionnaire by 2 persons who did not collect the data)  Digital data entry ( Each questionnaire will be entered once by two different team members)  Digital data cleaning (main supervisor/head of research is the person in charge of cleaning the digital data by comparing the two copies of all questionnaires entered and modifying as appropriate) Data Management Data synthesis Data analysis Data collection& check

Heading Title Calibri Font ( 25pt ) 10 Poverty Trends: Changes in Wellbeing Categories Changes in Wellbeing Scores Changes in each PCA component and in other Key Poverty indicators Self-Assessment …Findings

Heading Title Calibri Font ( 25pt ) 11 Poverty Grouping Active ClientsNon-client remain non-client Wave 1Wave 2 TrendWave 1Wave 2 Trend Poor41%37%31%32% Medium37%32%36% Better-Off22%31%33%32% Change Wave 1 – Wave 2 Trend Poor -5%+1% Medium -5%0% Better-Off +9%-1% … Changes in Wellbeing Categories 

Heading Title Calibri Font ( 25pt ) 12 Physical Assets Expenditures: On Food. On Clothing/Footwear Social Capital Vulnerability: Ability to afford large expenses + Ability use Save Food Security (and Quality of Diet) Human Assets: Children’s Education + Affordability Health Care...Changes in other Key Poverty Dimensions ?      

Heading Title Calibri Font ( 25pt ) 13 HH Wellbeing DeclinedHH Wellbeing Improved Self- Assessment: “Things got worse” PCA– Poverty Tercile Movement Self- Assessment: “Things got better” PCA – Poverty Tercile Movement Active Client11%14%52%25% Non-client still non-client 18%23%53%23%...Self-Assessment of Status Change  No evidence that AMK’s loans are routinely harming clients

Heading Title Calibri Font ( 25pt ) 14  Methodology: o first tracked change after 2 years – realized that is too soon for changes in quality of life indicators; and need to adapt to introduction of new products, incorporating newly developed indexes such as ID poor and PPI o 5 years span for study, plus monitoring the context for any catastrophic events or crises o Where and why and how clients have or have not progressed  Reporting: o first main reporting to the Board, monitoring achievement/progress; had to work on a concise summary document; in general now provide for all reports brief summaries for management and staff, translated into Khmer, circulated into everyone’s . Lesson Learnt for future

Heading Title Calibri Font ( 25pt ) 15  Use of findings o Importance of health insurance; but also realized that we need more disaggregated analysis – context differences, reasons for positive or negative change – planning in future Cont.

Heading Title Calibri Font ( 25pt ) 16 Thank For Your Attention

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