Micro Credit Systems for Small Enterprises in Developing Countries - Practical guide (GTZ, 66 p.) List of Appendixes Appendix I: Business Check Form Appendix II: Individual Loan Application and Approval Form Appendix III: LIF Savings Account Register Appendix IV: Individual LIF Savings Receipt Card Appendix V: LIF Savings Receipt Appendix VI: Register of Loan Disbursement Accounts Appendix VII: Individual Loan Repayment Receipt Card Appendix VIII: Loan Repayment Receipt Appendix IX: Loan Repayment Account Book Appendix X: Final Interview

Micro Credit Systems for Small Enterprises in Developing Countries - Practical guide (GTZ, 66 p.)

List of Appendixes

Appendix I: Business Check Form

Project Name
Business Check Form

1. Group name: ...........................................................................................................

2. Surname of entrepreneur as per ID-Card: .................................................................

3. First name of entrepreneur from as per ID-Card.: ......................................................

4. ID-Card No.: ...........................................................................................................

5. Date of birth: ...........................................................................................................

6. Marital status: ..........................................................................................................

7. Number and age of children in your household: ............................................... .........

8. Number and age of children who are going to school? ................................................

9. Who is the head of the household? ...........................................................................

10. Number of meals per day? .....................................................................................

11. Educational qualifications:.......................................................................................

12. Professional qualifications: .....................................................................................

13. Type of your business: ..........................................................................................

14. Place of your business: .........................................................................................

15. Licence number of your business: ..........................................................................

16. How long have you been operating your business? ..................................................

17. Which type of business equipment do you have? .....................................................

18. How much time do you spend on your business per week? .......................................

19. Who is managing your business? ...........................................................................

20. How many employees do you have? .......................................................................

21. How much do you pay your employees? .................................................................

22. What is your working capital? .................................................................................

23. What is your daily income? ....................................................................................

24. Is your business profitable? ....................................................................................

25. What do you do with your profits? ..........................................................................

26. Are you maintaining books of accounts? .................................................................

27. Are your books of accounts available for our scrutiny? .............................................

28. Which kind of problems do you have in your business? ............................................

29. Did you attend the project business skills course? ....................................................

30. What will you do with the loan? ...............................................................................

I, ............................................ (Name), certify that the above information are true and correct.

Place:.............................. Date:.................... Signature: ..................................................

For office use only: I, ............................ (Name of Extension-Worker), have physically inspected the business and business books of accounts belonging to ........................................ (Name of entrepreneur), and I am convinced that the entrepreneur meets / does not meet our requirements. Place: ........................... Date: ............ Signature: ............................................................ Checked by Project-Leader, .................................................................... (Name), result: Acceptance: ............... Rejection: ..................... New business check: ............................. Remarks: ........................................................................................................................... Place: ........................... Date:............ Signature:.............................................................

Appendix II: Individual Loan Application and Approval Form

Project
Individual Loan Application and Approval Form

For the borrower 1. Surname as per ID-Card: .......................................................................................... 2. First name as per ID-Card: ........................................................................................ 3. Address: ................................................................................................................... 4. ID-Card No.: ............................................................................................................. 5. Date of birth: ............................................................................................................. 6. Marital status: ............................................................................................................ 7. Last school attended: ................................................................................................. 8. Year and grade attained: ............................................................................................ 9. Place of business: ...................................................................................................... 10. Type of business: ..................................................................................................... 11. Trade Licence No.: ................................................................................................... 12. Loan amount requested: ............................................................................................ 13. For which items will you use the loan? ........................................................................ 14. Are you willing to repay the loan on weekly basis? ...................................................... 15. Do you fully agree with the credit system of the project? .............................................

Personal guarantee - For the sub-group 16. The sub-group fully agrees with the loan request of....................................................................... (borrowers sure- and first name) for the amount of $ .............................. 17. The sub-group guarantees the above borrower and the requested amount of (in words)............................................................................................................................. 18. The sub-group agrees to repay on demand the above mentioned loan plus a fixed interest calculated as .....% per annum and an administration fee of..... % of the total loan amount in case of default on the side of the borrower:
Loan guarantor name:	ID-Card No.:	Address:	Signature:

For the main group Group name: 19. The group understand and agrees with the implications of the credit scheme and especially the repayment and regulations system. 20. We, ............................................................................................... (name) and ............................................................................................................ (name) and ............................................................................................................ (name), certify for the whole group that the information given above are correct and we recommend that.............................................................. (name of the borrower) should get a loan of $ ................ (amount). Place: ................. Date: ............ Signature of the chairperson: ...................................... Place: ................. Date: ............ Signature of the secretary: .......................................... Place: ................. Date: ............ Signature of the treasurer: ...........................................

For office only 21. The loan request is approved ( ), deferred ( ) or rejected ( ). 22. Loan amount agreed for $ ........................... (amount). Place: .............. Date: ............ Signature of Advisory Committee: .................................. Place: .............. Date: ............. Signature of Project-Leader: .........................................

23. Loan receipt:

I, ................................................(name of borrower), received ............................................................(amount in words), $ ........................ from .......................................................................................(project name and address/ I acknowledge that owe $ .................... (amount) to the above mentioned organisation and I promise to repay the loan plus fixed interest calculated with ........ % per annum and administration fee of ....... % of the total loan amount within ........... weeks. The grace period is ............ weeks. The first installment will be on the ..................... (Date) and the last installment will be on the ..................... (Date).

I will use the loan only for the above mentioned items.
I declare that I have no outstanding debts with other institutions.

Place: ................ Date: .......... Signature of the borrower: ...............................................
Place: ................ Date: .......... Witness of sub-group representative: ...............................
Place: ................ Date: .......... Witness of group representative: ......................................
Place: ................ Date: .......... Witness of project representative: ....................................

Appendix III: LIF Savings Account Register

Project Name LIF Savings Account Register
Date	Account No.	Name	Address	Remarks

Appendix IV: Individual LIF Savings Receipt Card

Project Name Individual LIF Savings Receipt Card
Name of the saver: ............................... Group name: ........................................
Address: ..............................................................................................................
Account No.: ......................................... Signature of the saver: .......................
Date	Details	Amount $ Deposit	Amount $ Withdrawn	Balance $	Signature Received	Remarks
		DB	CR	BAL
	Bal/B/F

Appendix V: LIF Savings Receipt

Project Name LIF Savings Receipt
Group name: ..................................................................................................... Week No.: ................. Date: ..................... Account No.
Savers of 1. Sub-group
Account No.
Amount $
Savers of 2. Sub-group
Account No.
Amount $
Savers of 3. Sub-group
Account No
Amount $
Savers of 4. Sub-group
Account No.
Amount $
Savers of 5. Sub-group
Account No.
Amount $
Grand Total:				$ ...............
Place: ............................ Date: ............... Grand total amount of (in words): .......................................................................... Paid by Name: .............................................................. Signature: .......................................................................................... Received by Name: ...................................................... Signature: .......................................................................................... Witnessed by group representative Name: .............................................. Signature: ..............................................................

Appendix VI: Register of Loan Disbursement Accounts

Project Name Register of Loan Disbursement Accounts
Date	Account No.	Name	Address	Loan purpose	Loan amount $	Interest rate %	Administration fee %	First instalment Date	Last instalment Date	Remarks

Appendix VII: Individual Loan Repayment Receipt Card

Project Name Individual Loan Repayment Receipt Card
Name of borrower: .................................. Group Name: .................................................
Address: ..........................................................................................................................
Account No.: ....................................................... Signature of borrower: ......................
Date	Details	Loan $ Interest Admin. fee	Weekly repayment $	Balance $	Signature of Receiver	Remarks
		DB	CR	BAL
	BAL/B/F

Appendix VIII: Loan Repayment Receipt

Project Name Loan Repayment Receipt
Group Name: .......................................................................................................... Week No.: ............. Date: ...................
Name (One sub-group only)	Account No.	Loan amount $	Interest amount $	Administration fee amount $	Total repayment $	Remarks
1
2
3
4
5
6
7
Grand Total: $ ..........................
Place: ............................ Date: ........................
Grand total amount of (in words): ............................................................................................................
Paid by: Name: ........................................................................................... Signature: ............................
Received by: Name: ................................................................................... Signature:..............................
Witnessed by group representative: Name: ............................................... Signature: ..............................

Appendix IX: Loan Repayment Account Book

Project Name Loan Repayment Account Book

Name of borrower: .....................................................................................................................................

Address: .....................................................................................................................................................

Account No.: ...............................................................................................................................................

Date

Detail

Loan amount $

Interest amount $

Admin. fee amount $

Total amount $

Remarks

DB

CR

BAL

DB

CR

BAL

DB

CR

BAL

DB

CR

BAL

BAL/B/F

Appendix X: Final Interview

Project Name
Final Interview

1. Surname of entrepreneur as per ID-Card: .............................................................

2. First name as per ID-Card: .....................................................................................

3. ID-Card No.: ..........................................................................................................

4. Date of birth: ..........................................................................................................

5. Address: ...................................................................................................................

6. Marital status: .........................................................................................................

7. Who is the head of the household: .........................................................................

8. Number and age of children in your household: ......................................................

9. Number and age of children who are going to school:............................................

10. Number of meals per day: .......................................................................................

11. Licence number of your business? ..........................................................................

12. Since when do you have a licence number? ...........................................................

13. Address of your business? ......................................................................................

14. What type of business are you in now? ..................................................................

15. What type of business were you in before joining this project program? .....................

16. If your present business is different from what you were doing earlier, why did you change?
..........................................................................................................................................
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17. Did your business stabilise and increase since you attended the projects program? If your business changed describe what is the difference: ...............
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18. Did your living standard change since you joined the project? If yes, how? .....
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19. Would you like to continue with this programme? Give reasons for your decision: ..........................................................................................................................................
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20. What was the total amount of the loan you got? ...............................................
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21. Did you experience any difficulties in repaying the loan? If yes, please explain:
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22. What would you consider as good within the training programme?
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23. What would you consider as bad within the training programme?
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24. What would you consider as good within the credit system?
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25. What would you consider as bad within the credit system?
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26. What would you think the project should do to improve the provision of training?
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27. What would you think the project should do to improve the credit scheme?
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28. Would you recommend this program to other people? Give reasons for your answer:
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Remarks of the interviewer: ....................................................................................................................... ....................................................................................................................... ....................................................................................................................... ....................................................................................................................... Name of the interviewer: ................................................................................... Place:.................. Date: .......... Signature of the interviewer: .................................