{"type":"survey","doc_desc":{"title":"DDI-MCC-MAR-ME16LOT4-NSCE-2013-v1","idno":"DDI_MAR_2013_MCC-FS_v01_M","producers":[{"name":"Millennium Challenge Corporation","abbreviation":"MCC","affiliation":"","role":"Metadata producer"}],"prod_date":"2015-01-15","version_statement":{"version":"Version 1.0 (January 2015)\nVersion 2.0 (April 2015). Edited version based on Version 01 (DDI-MCC-MAR-ME16LOT4-NSCE-2013-v1) that was done by Millennium Challenge Corporation.","version_notes":"51,000 micro-entrepreneurs and micro-enterprises in Morocco"}},"study_desc":{"title_statement":{"idno":"MAR_2013_MCC-FS_v01_M","title":"Financial Services 2013","alt_title":"MCC-FS 2013"},"authoring_entity":[{"name":"North South Consultants Exchange","affiliation":""}],"production_statement":{"funding_agencies":[{"name":"Millennium Challenge Corporation","abbreviation":"MCC","role":""}]},"distribution_statement":{"contact":[{"name":"Monitoring & Evaluation Division","affiliation":"Millennium Challenge Corporation","email":"impact-eval@mcc.gov","uri":""}]},"series_statement":{"series_name":"Independent Performance Evaluation"},"study_info":{"keywords":[{"keyword":"Microfinance","uri":"","vocab":""},{"keyword":"Enterprise","uri":"","vocab":""},{"keyword":"Financial Sector","uri":"","vocab":""}],"topics":[{"topic":"Finance, Investment, and Trade","vocab":"MCC Sector","uri":""}],"abstract":"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:\n\n\u00b7The evaluation of project performances in terms of relevance, effectiveness, efficiency, consistence and sustainability;\n\u00b7The 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;\n\u00b7The 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;\n\u00b7Developing  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","coll_dates":[{"start":"2013-07-23","end":"2013-08-10","cycle":""}],"nation":[{"name":"Morocco","abbreviation":"MAR"}],"geog_coverage":"Provincesof Ait Ayach, Al Haouz, Beni Mellal, Biougra, Chtouka-Ait Baha, El Hajeb, Kh\u00e9nifra, Larache, Meknes, Midelt, Tahanout, Tanger, Taounate, Taourirt, Taza , Tetouan, and Tiznit","analysis_unit":"Individuals","universe":"Microcredit associations in Morocco","data_kind":"Sample survey data [ssd]"},"method":{"data_collection":{"data_collectors":[{"name":"North South Consultants Exchange","abbreviation":"NSCE","affiliation":"Qualitative"},{"name":"Data Ingenierie","abbreviation":"","affiliation":"Quantitative"}],"sampling_procedure":"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.  \n\nNSCE 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.  \n\nWhen 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.","research_instrument":"Two quantitative surveys were planned:\n\n1. Surveys of agents and agency managers trained in environmental and social standards\n\nA sample of 106 credit agents\/ agency managers was drawn from a population of 2,256 agents. It will allow the analysis of:\n\u00b7MCAs (large, medium and small);\n\u00b7Gender (male and female).\n\nIn order to pay particular attention to women, the sample will include a minimum of 25% female credit agents.\n\n2. Surveys of mobile agency clients\n\nA 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:\n\n\u00b7MCAs (large, medium and small);\n\u00b7Gender (male and female);\n\u00b7Purpose of the loan (farming, housing, small business, commercial, etc.).\n\u00b7City of residence of the customer.\n\nThe 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).\n\n\nQualitative interviews with the key actors involved in the implementation of the project as well as the stakeholders were provided. These are the following entities:\n \n\u00b7APP (APP-DG) Department;\n\u00b7The DFSP-APP and DS&E-APP;\n\u00b7The supervisory institutions of MCAs: BAM and MEF;\n\u00b7The MCAs and Microfinance Solidarity Network (RMS);\n\u00b7National Federation of Microcredit Associations (FNAM)\n\u00b7Ja\u00efda Fund;\n\u00b7Managers of mobile agencies","act_min":"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. \n\nConcerning 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.","weight":"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:\n\n H(h)= n*W(h)\n \nWhere: \"n\" represents to overall size of the representative sample. In this case, the proposed size (n) is 100 units.","cleaning_operations":"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.\n\nIn 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.","method_notes":"The data entry of the 2 quantitative surveys will be done using the \"Limesurvey\" software, which can be used by the researchers themselves, online and in a decentralized manner."}},"data_access":{"dataset_availability":{"access_place":"Millennium Challenge Corporation","access_place_uri":"http:\/\/data.mcc.gov\/evaluations\/index.php\/catalog\/147","original_archive":"Millennium Challenge Corporation\nhttp:\/\/data.mcc.gov\/evaluations\/index.php\/catalog\/147\nCost: None"},"dataset_use":{"conf_dec":[{"txt":"","required":"no","form_no":"","uri":""}],"cit_req":"North South Consultants Exchange. Final Evaluation of the \u201cFinancial Services\u201d Project Agency of Partnership for Progress - MCA Morocco. November 2013."}}},"data_files":[],"variables":[],"variable_groups":[]}