PART I.

PERSONAL DATA

Demographic characteristics
1. What is your gender?

Male Female

2. What is your age group?

20-29 30-39

. 40-49 50-Above

3. Your Status in the Organization?

owner Manager Employee other

5. Service year 0 year 1-5 year > 5 year

3. Educational status : completed grade 12 certificate Diploma

Degree MBA

Survey on Credit Management at Abdi Gudina Microfinance

Thank you for participating in our survey. Your feedback is valuable for assessing the
effectiveness of credit management practices at Abdi Gudina Microfinance. Please answer the
following questions honestly and to the best of your ability.

Personal Information:
1. Gender:
Male
Female
2. Age Group:
20-29
30-39
40-49
50 and above
3. Status in the Organization:
Shareholder
Manager
 Employee
Other (please specify: _______)
4. Service Years at Abdi Gudina Microfinance:
0 year
1-5 years
More than 5 years
5. Educational Status:
Completed grade 12
Certificate
Diploma
Degree
Masters Other (please specify: _______)

Assess the effectiveness of lending policy on loan performance:

6. How satisfied are you with the clarity of Abdi Gudina Microfinance's lending policy?
Very satisfied
Satisfied
Neutral
Dissatisfied
Very dissatisfied
7. Do you believe that Abdi Gudina Microfinance's lending policy adequately addresses the
needs of borrowers?
Yes
No
Unsure
8. To what extent do you think Abdi Gudina Microfinance's lending policy contributes to
the overall performance of loans?
Significantly
Moderately
Slightly
Not at all
 Analyze the effectiveness of client appraisal on loan performance:

9. How thorough do you find the client appraisal process at Abdi Gudina Microfinance?
Very thorough
Somewhat thorough
Not very thorough
Not thorough at all
10. Have you observed any instances where the client appraisal process positively influenced
loan performance?
Yes
No
Not sure
11. How would you rate the accuracy of the client appraisal process in predicting borrower's
repayment ability?
Highly accurate
Moderately accurate
Not very accurate
Not accurate at all

Assess the relationship between credit management practice and loan performance:

12. How do you perceive the effectiveness of Abdi Gudina Microfinance's credit
management practices?
Highly effective
Moderately effective
Slightly effective
Ineffective
13. Do you believe there is a correlation between the quality of credit management practices
and loan performance?
Strong correlation
Moderate correlation
Weak correlation
No correlation
14. How well do you think Abdi Gudina Microfinance records loan-related data?
Very well
Moderately well
 Poorly
Very poorly

Analyze the credit collection strategies being practiced:

15. Are you satisfied with the effectiveness of Abdi Gudina Microfinance's credit collection
strategies?
Very satisfied
Satisfied
Neutral
Dissatisfied
Very dissatisfied
16. How frequently does Abdi Gudina Microfinance employ incentives to encourage timely
loan repayments?
Frequently
Occasionally
Rarely
Never
17. Have you observed any restructuring options offered by Abdi Gudina Microfinance to
struggling borrowers?
Yes
No
Not sure
General Questions:
18. How would you rate your overall experience with Abdi Gudina Microfinance's loan
services?
Excellent
Good
Fair
Poor
19. In your opinion, what aspects of credit management do you think Abdi Gudina
Microfinance should prioritize for improvement?
Client appraisal
Lending policy
Credit collection strategies
Record-keeping
 20. How likely are you to recommend Abdi Gudina Microfinance to others based on your
experience with their loan services?
Very likely
Likely
Neutral
Unlikely
Very unlikely

Part II. The table contains credit administration and policy and procedure that have of abdi
gudina MFI by saying agree,neutral and disagree please(√) for the table

Credit administration
no Item Strongly agree neutral disagree Strongly
agree disagree
1 Credit processes are managed
properly.
2 Credit risk is frequently monitored
for customers
3 Credit late payment or unpaid
payments are detected very
effectively
4
Legal
implementation,disbrusment,credit
control, file management and legal
colletions are included in the credit
administration
Credit policy and procedure

No Item Strongly agree neutral disagre Strongly

agree e disagree
5 Credit policy and procedures
are settle specifically in the
MFI
6 Data used for credit analysis is
relevant and in accordance
 7 The policy and procedures are
easy and can be implemented
8 The practice of policy and
procedure is practiced effectively

Part III.the table contains general items functions of credit collection strategies
that have abdi gudina MFI by saying Yes or No.please(√) for the table

Credit collection strategies

No Items responses
yes no
1 Does the institution have a set of standard
procedures for loan collection?
2 Are borrowers informed about the consequences
of non-repayment?

3 Does the institution offer restructuring options

for struggling borrowers?
4 Are there incentives for borrowers who
consistently make timely repayments?

part four

open-ended question

19 Are your MFI give to all type of customers loan ?How long will it take to process a given loan
application ? Is there any loan granted without collateral?

20 Are your loan application and evaluation free from error?

21How do you see the effectiveness of the credit management practice in your firm ? and which
specific credit dimention ( Administrator and documentation , policy and procedures ) is very
challenging to practice and why ?