Q UESTIONNAIRE FOR L OAN O FFICERS
BASELINE
Name
Date of Birth
Gender
Ethnicity
Marital Status
M / F
1 Bosniaks
2 Serbs
3 Croatian
4 Other (SPECIFY)
1 Never married
2 Married
3 Living with partner
4 Divorced/ Separated
5 Widowed
Age 0-1
Age 2-5
Age 6-10
Age 11-16
Nr of kids
Nr. of other household members
Education 00 None
01 Kindergarten
11 Grade I
12 Grade II
13 Grade III
14 Grade IV
21 Grade V
22 Grade VI
23 Grade VII
24 Grade VIII
31 Grade IX
(see above)
32 Grade X
33 Grade XI
41Degree Yr 1
42 Degree Yr 2
43 Degree Yr 3
44 Degree Yr 4
51 Masters Yr 1
52 Masters Yr 2
61 Vocational training
71Other (SPECIFY)
Education Spouse
WORK EXPERIENCE
How many years have you been working with EKI?
At which branch are you currently working? Name of Branch
How many years have you been with this branch?
Since you started with EKI, in how many Nr. of branches different branches have you worked?
What type of job were you doing before you joined EKI?
1 Agricultural work
2 Shop/market work
3 Bank/financial services
4 Mining/quarrying
5 Work in school
6 Tourism
7 Other private business
8 Hospital
9 Government
10 Education
11 Other (SPECIFY)
(include years with EKI) For how many years have you been working in the banking sector?
Do you see your future in this sector/type of work?
How would you define your job with EKI?
Yes / No
1 The job provides me with satisfaction because it helps me to make a living
2 The job provides me with satisfaction because I am helping people (the poor?)
3 The job provides me with satisfaction because it combines earning income and helping people
ANSWER
ANSWER

In how far do you agree with the following statements:
(1) Through my work with EKI, I can make a difference in people’s lives.
(2) Through my work with EKI, I can help the poor.
(3) ANY OTHER??
Have you ever been self-employed?
If so, for how long?
Why are you not self-employed anymore?
1 totally agree
2 agree
3 somewhat agree
4 disagree
5 totally disagree
Yes / No
Nr of Years
1 Better job opportunity came up
2 I was able to sell the business
3 business went bankrupt
4 I preferred not to be selfemployed
5 Other (SPECIFY)
ECONOMIC OUTLOOK
Do you expect our national economy [to get better, stay about the same, or get worse ] within the next year?
Do you expect your local economy [to get better, stay about the same, or get worse] within the next year?
Do you think it is a good time to start up a new business?
Which sector do you think is most promising for opening a new business? (give options)
1 to get better
2 stay about the same
3 get worse
1 to get better
2 stay about the same
3 get worse
Yes / No
Do you expect unemployment rate in your area to [increase/decrease/remain the same] ?
1 Agricultural Sector
2 Shop/market
3 Bank/financial services
4 Mining/quarrying
5 Tourism
7 Other private business
8 Other (SPECIFY)
1 increase
2 decrease
3 stay the same
PROCESSING OF LOAN APPLICATIONS
What do you consider most important when deciding on loan-applications?
1 Collateral
2 Regular income
3 the business plan
3 the experience of the applicant
4 the personality of the applicant
5 …
How many loan applications do you on average attend to per month?
How many of these loan applications due you on average approve per month?
What do you consider most important when deciding on marginal loan-applications
? (give options, include for example: EKI’s situation (I am more inclined to take on marginal
How would you describe a marginal client? clients when things are going well for EKI))
[options – weak collateral, risky business idea..]
Yes / No Were you ever positively surprised by the payment history of a client you approved?
How often did this happen within the last year?
Were you ever negatively surprised by the Yes / No payment history of a client you approved?
How often did this happen within the last year?
When you are not sure about a loan application, what do you normally do?
1 I usually immediately decline the client
2 I discuss the application with a colleague
3 I think about it a bit more and let the client know one or two days later
ANSWER
ANSWER

4 I usually still accept the client
5 …
Yes / No Do you typically prefer to reject loan applications for which you have a doubt?
What do you consider as more beneficial for
EKIs portfolio (or overall performace)?
What do you consider as more beneficial for
EKIs portfolio?
What do you think consumption purpose? about loans for
1 Give new loans to existing clients of EKI
2 Give new loans to new and similar clients
1 Give new loans to marginal clients
2 Do not give out a loan.
1 I think they should not be provided by any MFI.
2 They might be a good idea but
EKI should not provide them.
3 They should be provided by every MFI (including EKI)
RISK PERCEPTION
Have you ever taken a (formal) loan yourself?
Do you currently have one?
Yes / No
Yes / No
Would you consider taking one (another) in the future? Yes / No
ANSWER