Asset Publisher

Number or percentage of households/groups able to repay part of their debts/loan [in due time] [following the livelihoods intervention]

Number or percentage of households/groups able to repay part of their debts/loan [in due time] [following the livelihoods intervention]

Code:
Result Level:
  • Outcome
Objectives:
  • Survival and livelihoods protection threshold
Description:

Reduction of debt indicates stabilization of household economy and proxy for future credit worthiness and food and livelihood security. Household debt is an important indicator of economic security only when compared to other household characteristics. The level of debt for one household may represent an important investment in rural infrastructure, such as the purchase of land or equipment; the same level of debt for another household may indicate an excessive financial burden and a situation of dependency. - Includes any type of agro based, non-agro based, or service based income generating activity, can include market chain support, value addition or transformation etc. - Includes group and individual income generating activities for contribution to household economy. - Includes cash transfers through vouchers, cash grants, direct cash, conditional and unconditional cash transfers, cash for work, etc.

Disaggregated By:

Geography/Livelihoods zone; Gender, age, disabilities, chronic diseases (for individuals, associations members, etc.); Head of household’s gender, age, disabilities, chronic diseases, dependency ratio (for households), and any other relevant criteria, such as urban/rural context, religious, ethnic or political identities; Wealth groups; Livelihoods group (e.g. pastoralist, farmers, traders); Period to achieve the objective;

Direction of change:
  • Increase (number)
Data source:

Both secondary and primary data collection can be used according to context. Baseline/Endline. If multiyear programme depending on comparison requirements between lean season and other seasons, consider an interim reporting/evaluation Secondary data. Reliable/relevant sources from other actors, clusters or government. Data Collection methods: Secondary data analysis; Households Survey, Focus Group Discussion; Group documentation and records, MFI (micro finance institution) records

Sector/Subsector:
  • Economic Security
Source: CARE-1 ACF-1 OXFAM-1
Examples:

Measure Notes:

Debt levels must have a base of comparison; debt to income; debt to assets. Debt is an indicator that is easily measured in a survey format, but it should be calculated against a comparative base, such as a debt/asset ratio or a debt/annual income level. > Number of households who have leveled their debts relative to baseline in due time > Change of amount of household debt (by type and origin) relative to baseline > Duration of debt repayment cycle relative to baseline > Amount and length of credit taken in local currency by type of activity) > Amount of group/business credit/loan (by type and origin) - Needs to consider various potential objectives of cash transfers e.g. access to food, shelter materials, water, health services, education, etc. - Needs to link to household asset ownership, expenditure pattern and income source