Financial Services 2013
Morocco, 2013
Identification
MAR_2013_MCC-FS_v01_M
Financial Services 2013
| Name | Country code |
|---|---|
| Morocco | MAR |
Independent Performance Evaluation
The final evaluation of the Financial Services Project (FSP), undertaken by North South Consultants Exchange (NSCE), was undertaken from 17 April to end of September 2013 It focused on the following:
·The evaluation of project performances in terms of relevance, effectiveness, efficiency, consistence and sustainability;
·The measure of perceptible results at the end of Compact, in terms of effects and impacts, positive or negative, expected and unexpected on the beneficiaries, the institutions, the project governance, on the environment, as well as perception of change among the stakeholders, including the members of the community of the project zones compared to the project itself and to the results attained;
·The analysis of the degree of implementation of the recommendations of the mid-term evaluation of the project in order to evaluate if they have had an effect on the project's performance;
·Developing recommendations to strengthen the results of the project, to capitalise on them and to learn lessons from them in light of the future design and implementation of similar projects
Sample survey data [ssd]
Individuals
Scope
| Topic | Vocabulary |
|---|---|
| Finance, Investment, and Trade | MCC Sector |
Coverage
Provincesof Ait Ayach, Al Haouz, Beni Mellal, Biougra, Chtouka-Ait Baha, El Hajeb, Khénifra, Larache, Meknes, Midelt, Tahanout, Tanger, Taounate, Taourirt, Taza , Tetouan, and Tiznit
Microcredit associations in Morocco
Producers and sponsors
| Name |
|---|
| North South Consultants Exchange |
| Name |
|---|
| Millennium Challenge Corporation |
Sampling
Information on the AMCs and data on the territorial distribution of fixed and mobile agencies have been used as a sampling frame. Moreover, the lists of agents, agency managers who were trained in social and environmental norms, and the lists of clients of mobile agencies will be also used once available to NSCE.
NSCE has the intention to carry out a probability survey based on the random selection of individuals, for surveys conducted on credit agents trained in social and environmental norms. However, if the detailed lists of credit agents/ agency managers, trained in social and environmental norms, are not available during the making of the sample (beginning of phase 2), the non probability quota sampling technique will be utilised.
When it comes to the surveying of clients of mobile agencies, they will be selected on the spot at the mobile agency the day of the visit, by method of quota. One of the points of the interview with the mobile agency managers will concern several aspects such as their method of work, the places they visit, the programme of their tour and the number of clients. All of these elements will be used to properly plan the survey and establish the sampling frame.
The sampling frame consists of drawing up a list of all the statistical units (project beneficiaries) classified according the evaluation criteria related to site and group. Then, each group is weighted ( W(h)=N(h)/N with N(h)=size from the group h and N = Overall size = 150) and finally the number must be determined in each group by applying the method:
H(h)= n*W(h)
Where: "n" represents to overall size of the representative sample. In this case, the proposed size (n) is 100 units.
Survey instrument
Two quantitative surveys were planned:
- Surveys of agents and agency managers trained in environmental and social standards
A sample of 106 credit agents/ agency managers was drawn from a population of 2,256 agents. It will allow the analysis of:
·MCAs (large, medium and small);
·Gender (male and female).
In order to pay particular attention to women, the sample will include a minimum of 25% female credit agents.
- Surveys of mobile agency clients
A sample of 106 customers would be drawn from a customer base of 3,350 persons connected to 50 mobile agencies. The sample was designed to provide first level analysis:
·MCAs (large, medium and small);
·Gender (male and female);
·Purpose of the loan (farming, housing, small business, commercial, etc.).
·City of residence of the customer.
The survey of customers of mobile agencies s is also designed to measure the effects of credit lending on the economic situation of the borrower (and of his family).
Qualitative interviews with the key actors involved in the implementation of the project as well as the stakeholders were provided. These are the following entities:
·APP (APP-DG) Department;
·The DFSP-APP and DS&E-APP;
·The supervisory institutions of MCAs: BAM and MEF;
·The MCAs and Microfinance Solidarity Network (RMS);
·National Federation of Microcredit Associations (FNAM)
·Jaïda Fund;
·Managers of mobile agencies
Data collection
| Start | End |
|---|---|
| 2013-07-23 | 2013-08-10 |
| Name | Affiliation |
|---|---|
| North South Consultants Exchange | Qualitative |
| Data Ingenierie | Quantitative |
Two teams of two researchers and one supervisor were deployed to the field. A rigorous system of communication between i) the supervisors and the researchers and ii) the field supervisors and the project team have permitted to follow day-to-day advances in data collection.
Concerning the surveys with the clients of mobile agencies, given the inaccessibility of rural zones and the difficulty of ensuring that clients are present at home or at their workplace, it was decided to hold the surveys at the source, that is to say, the mobile agencies found in the souks. These mobile agencies are found in the souks in order to promote the products with future clients and receive reimbursements of existing clients. The selection of clients, as interviewees, was done on the basis of quotas, and in accordance with age and gender.
Data processing
Once entered, the data will be checked and corrected at the project office in Rabat, in order to detect potential errors which wouldn't have been detected during data entry from the field (e.g. errors when coding open-ended questions). The checked data will be formatted to produce the 3 deliverables of the mandate concerning the different survey databases.
In order to guarantee suitable advancements in this operation, the computer engineer and statistician will ensure the permanent supervision of the whole operation and will intervene whenever is needed. Once the processing operation is accomplished, the files will be prepared during the important cleaning stage. This stage will consist of ensuring quality data and detecting potential errors, which would not have been detected during the data processing.
Access policy
Millennium Challenge Corporation
Millennium Challenge Corporation
http://data.mcc.gov/evaluations/index.php/catalog/147
Cost: None
Data Access
| Is signing of a confidentiality declaration required? |
|---|
| no |
North South Consultants Exchange. Final Evaluation of the “Financial Services” Project Agency of Partnership for Progress - MCA Morocco. November 2013.
Contacts
| Name | Affiliation | |
|---|---|---|
| Monitoring & Evaluation Division | Millennium Challenge Corporation | impact-eval@mcc.gov |
Metadata production
DDI_MAR_2013_MCC-FS_v01_M
| Name | Role |
|---|---|
| Millennium Challenge Corporation | Metadata producer |
2015-01-15
Metadata version
Version 1.0 (January 2015)
Version 2.0 (April 2015). Edited version based on Version 01 (DDI-MCC-MAR-ME16LOT4-NSCE-2013-v1) that was done by Millennium Challenge Corporation.
51,000 micro-entrepreneurs and micro-enterprises in Morocco