CASHPOR Micro Credit
Social Performance and Impact
Theme 1 - We operate in the poorest part of
India, in terms of density of poverty, with 12 of
our 15 Districts among the poorest in the
country.
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We are a Pioneer for the Poorest
CASHPOR was the first
MFI to employ the
Grameen model in Uttar
Pradesh (UP), endorsing
credit-worthiness of the
state’s poor, and triggering
MFI operations in the
region.
At least 12 MFIs in Uttar Pradesh and
13 MFIs in Bihar , have started
operations after CASHPOR
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% Below Poverty Line
…have Operations in States with high Rural and BPL
population
Bubble Size:
Per-Capita Income
90%
85%
7875
80%
13262
75%
25956
70%
65%
0%
20%
India
40%
Bihar
60%
UP
% Rural Population
• Bihar has 85% of its population living in rural
areas , nearly 80% in the case of UP as compared
to71% for India.
• The percentage of people living below the poverty
line is also much higher in the states of UP and
BIHAR - 31% and 42% respectively as compared to
26% for India.
•Moreover within UP and BIHAR, the districts in
Eastern UP and Western BIHAR are poorer and more
backward that the rest of the State.
• The average per capita income in UP is half of that
in India while its less than one third in the case of
Bihar.
• CASHPOR was the first MFI to set up operations in the poverty stricken regions of
eastern UP and Bihar
• CASHPOR has consciously chosen to work in a region that is not just poor as
compared to the rest of the country, but poor when compared to even the rest of the
state.
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…focus on some of the Poorest Districts of India
120%
% Rural Population
100%
80%
India
Average
60%
40%
20%
0%
60%
50%
40%
30%
20%
10%
0%
•13 out of 15 districts that
CASHPOR is operating have
rural population of 80% or
more(7 districts have more than
90%), higher than the Indian
average of 71%.
• Similarly when considering the
percentage BPL population, 12
out of 15 districts have a higher
percentage BPL population than
the India average of 26%.
% BPL population
India
Average
•All 4 districts in Bihar have
higher BPL population than the
State average.
• CASHPOR reached 11% of the
3.8 million BPL households in 15
districts in which it operates.
Source: BPL Census 2002 and
CASHPOR outreach data
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…and target Outreach to financially excluded and
backward regions with low levels of socio-economic
development
7.00
6.00
5.00
4.00
3.00
2.00
1.00
0.00
Number of SCB branches per 100000 people
India
Average
•High degree of financial exclusion:
Less than 4 scheduled commercial
banks (SCB) branches per 100000
people in 4 districts, and between 4
and 5 in 9 districts. Indian average is
around 6.7 branches (Source: RBI,
2002).
•Average MFI as well as SHG
penetration in Uttar Pradesh and
Bihar is very low (CMF Study, 2007).
•Human Development Index (HDI) of Bihar (0.367) and Uttar Pradesh (0.388) is less than
the Indian average of 0.472. (Source: HDI data for 2001)
•Infant mortality: More than 50 per 1000 live births in 13 districts. (Source: Census 2001
data)
•All districts in UP except Varanasi have less than 40% households with electricity
connection. The districts in Bihar have less than 20% households with electricity
connection. (Source: Census 2001 data)
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