Loan-tracking systems for NGO microcredit programmes
Loan-tracking systems may provide much more information than the current status of the loans. This article describes information that can be gathered on loan application forms to monitor the economic impact of the loan on business owners and their families. Programmes can track changes by comparing applications for initial and repeat loans. The systems reviewed typically monitored changes in the client enterprises and reported key changes separately for men and women, but gave little information on their socio-economic characteristics. The study suggests that loan-tracking systems can often be implemented at a relatively low cost, and even simple systems can generate useful information for guiding programmes.