Understanding School Fee Loans

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School Attendance (Public vs. Private) 54%

53%

47%

Private School

46%

Public School SFL Client

Non-SFL Client

Gender Parity 57%

56% 44%

43%

Boys

Girls SFL Clients

Non- SFL Clients

Number of Children Attending School 1.3 1.0

1.0 0.8

Boys

Girls SFL Clients

Non- SFL Clients


Causes of Absenteeism 80% 70% 60% 50% 40% 30%

56%

70%

60%

20%

33%

10%

0%

0% Sickness

School Fees SFL Client

10%

Lack of books Non SFL Client

11%

0%

Death of family member


Borrower Age

Non-SFL Client 2%

SFL Client

30%

7%

30%

11%

18 - 24 years

19%

19%

25 - 30 years

31 - 35 years

25%

7%

7%

44%

36 - 40 years

41 - 45 years

46 + years

Borrower Occupation (SFL Clients) Self employed businessman/woman 3

Teacher / lecturer

6 6 4

Other government employee Sales person/service worker Student Other manager employee Office worker

SFL Client Average 5.2

44% 39%

Non-SFL Client Average 4.3 25% 20%

21% 10%

2%

3%

Two

6%

Three

9%

10%

8% 3%

Four SFL Client

Five

Six

Non-SFL client

Seven

2% Eight and above

2 2 2 4 0 1 0 2 0

72

15

Other professional

Unemployed

Members in Household

57

18

SFL Client Non-SFL Client 8


Number of Habitable Rooms in Household, % % Non-SFL Clients

SFL Clients

36

11

36

35

One

16

20

Two

Three

33

Four and above

Percentage is living in poverty 0%Likelihood 10% that 20%surveyed 30% household 40% 50% 60% 70% National Pov erty Line

80%

%

18% 16.40% 48% 45.30%

150% of Poverty Line

65.60% 62.40%

$2.50/ day Poverty Line

70.20% 67.90%

200% of Poverty Line SFL Clients

Non-SFL Clients

12

100

100








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