FIGURE 38
Location of Qualitative Research Sites
RUSSIA
Abkhazia
Racha-Lechkhumi and Kvemo Svaneti SamegreloZemo Svaneti
South Ossetia
KUTAISI
MtskhetaMtianeti
Imereti Guria
Adjara
GEORGIA
TELAVI
Shida Kartli
TBLISI
SamtskheJavakheti
Kvemo Kartli
GURJAANI Kakheti
TURKEY ARMENIA
current microfinance users as well as former clients who had a relationship with MFOs no longer than four years ago. Non-users were not targeted. In Georgia the main service offered by MFOs is loans, which sometimes come with mandatory loan life insurance. Thus, the respondents are exclusively MFO borrowers. To ensure that respondents were clients of a registered MFO (and were not confusing a commercial bank for an MFO, which is common), BFA provided enumerators with a list of registered MFOs to confirm the borrower’s lending institution. This list is provided in Annex C.
36
THE SMART CAMPAIGN
AZERBAIJAN
Respondent type definitions: Currently has a loan and has been repaying for at least three months
CURRENT USER:
Does not currently have a loan but had an MFO loan less than six years ago
FORMER USER:
FORMER USER, WITH A CURRENT LOAN LESS THAN THREE
Currently has a loan that is less than three months old but had another MFO loan less than four years ago The last category was introduced to account for respondents whose latest loan was too
MONTHS OLD: