MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2008 

MICROENTERPRISE RESULTS 

REPORTING ANNUAL REPORT TO CONGRESS, FISCAL YEAR 2009

 

JUNE 2010
The cover photo depicts a man creating clay pots in his cottage in rural Rajasthan,

 India. He sells his products directly to the market through a self help group.

PHOTO COURTESY OF SANDIPAN MAJUMDAR, AS PART OF THE USAID PHOTOSHARE COLLECTION
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 i

EXECUTIVE SUMMARY

The Microenterprise Results Reporting (MRR) Annual 

Report for Fiscal Year (FY) 2009 summarizes 

USAID’s investments and priorities in microfinance 

and microenterprise development. The Annual 

Report documents USAID funding for 

microenterprise development in 71 countries through 

152 diverse implementing partners, ranging from 

private voluntary organizations (PVOs) and nongovernmental organizations (NGOs) to for-profit 

banks and enterprise development service providers. 

The FY 2009 report reflects USAID’s continued 

commitment to leveraging its investments in 

microenterprise development. USAID helps 

strengthen the performance of increasingly 

commercial microfinance institutions (MFIs), allowing 

them to attract private investors and grow more 

sustainably than if they relied solely on donor support. 

USAID also reduces some of the risk to private 

investors and lenders by offering partial credit 

guarantees and other enhancements. FY 2009 saw a 

32 percent increase from the FY 2008 guarantee 

subsidy amount of $7.3 million. Currently $9.7 million 

in USAID funding for credit guarantees is supporting 

up to $455.2 million in private sector credit to 

microfinance institutions and microenterprises.

This report fulfills the 12 reporting requirements 

included in the Microenterprise Results and 

Accountability Act of 2004 (Public Law 108-484). 

Key findings include:

1. In FY 2009, USAID provided $267 million in 

funding for microenterprise development through 

166 new and existing grants, cooperative 

agreements, and contracts in 71 countries, as well 

as several with a regional or worldwide focus.

2. USAID provided $24.1 million in funding through 

central mechanisms in FY 2009.

3. Through the use of credit guarantees, $9.7 million 

in USAID funding leveraged up to $455.2 million 

in private sector lending to institutions serving 

microfinance clients since 2002.

4. USAID provided $147.5 million in funding 

through contracts in FY 2009. However, nearly 19 

percent of these funds, or $27.9 million, were suballocated to local partners through grants under 

contract. An additional $77.6 million in 

microenterprise funding was sub-granted or subcontracted in FY 2009, for a total of $105.9 

million to sub-recipients, with local partners 

receiving over 61 percent of this funding.

5. In FY 2009, USAID Missions and operating units 

reported that $29.7 million in USAID funds were 

matched by an additional $8.6 million from 

sources outside the U.S. Government.

6. Sixteen USAID-assisted partners implementing 17 

programs in 11 countries used USAID-certified 

poverty assessment tools to measure and report 

the share of their clients who are “very poor,” 

defined as people living on less than $1/day at 

purchasing power parity, or those among the 

poorest 50 percent of people living below their 

country’s poverty line. Based on their reports, 

USAID estimates that 23.5 percent of 

microenterprise funds directly benefited “very 

poor” clients as defined in that legislation. 

7. An estimated 973,000 very poor people directly 

benefited from microenterprise programs in FY 

2009, including microfinance clients as well as 

owners and employees of microenterprises 

benefiting from USAID-supported enterprise 

development interventions. This estimate assumes 

that the percentage of “very poor” clients reported 

by partner institutions for the 17 programs cited 

above applies to the broader range of USAIDsupported microenterprise development programs.

8. By the end of FY 2009, USAID had certified 

poverty assessment tools for use in 29 countries, 

representing 76 percent of USAID microenterprise 

funding, excluding several countries where security 

conditions or government policy preclude 

developing or applying poverty assessment tools. 
ii MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

9. Approximately $13.6 million of USAID’s 

microenterprise funding in FY 2009 assisted 

victims of trafficking in persons and women who 

are particularly vulnerable to other forms of 

exploitation and violence.

10. In FY 2009, 13 percent of borrowers, 9 percent of 

savers, and 49 percent of enterprise development 

clients were located in countries where a 

relationship between poverty and race or ethnicity 

has been demonstrated.

11. USAID exceeded many of its performance goals 

relating to microfinance, including proportion of 

women clients, proportion of rural clients, and 

financial sustainability. Most enterprise 

development goals were also exceeded. USAID 

did not meet its goals for the number of borrowers 

and savers. This can be largely attributed to fewer 

data or no data reported from five programs that 

had high borrower and saver figures in FY 2008. 

However, USAID believes that the great majority 

of the clients of the MFIs supported by these 

USAID programs continue to benefit from their 

services. USAID also did not meet goals related 

to percentage of funds benefiting the very poor in 

both microfinance and enterprise development.
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 iii

ACRONYMS

CPI Consumer Price Index

DCA Development Credit Authority

FVP Funds Benefiting the Very Poor

FY Fiscal Year

MD USAID Office of Microenterprise Development

MFI Microfinance Institution

MRAA Microenterprise Results and Accountability Act of 2004

MRR Microenterprise Results Reporting

MSED Micro and Small Enterprise Development

NGO Non-governmental Organization

PAT Poverty Assessment Tool 

PPP Purchasing Power Parity

PVO Private Voluntary Organization

RDM/A Regional Development Mission/Asia

USAID United States Agency for International Development
iv MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

TABLE OF CONTENTS

I. INTRODUCTION 1 

II. FY 2009 FINDINGS 2 

1. Overall Funding 2 

2. Central Funding 3 

3. Development Credit Authority 3 

4. USAID Funding Recipients 5 

5. Matching Assistance 7 

6. Funds Benefitting the Very Poor 7 

7. Number of Very Poor Reached 9 

8. Poverty Assessment Tools 9 

9. Victims of Trafficking and Exploitation 10 

10. Poverty and Race/Ethnicity 11

11. Performance Monitoring System 12

12. Additional Information 14

III. INDEX OF REPORTING REQUIREMENTS 15

IV. ANNEX A: FUNDING BY MISSION, PARTNER, AND TECHNICAL AREA 17

V. ANNEX B: FUNDING BY USAID BUREAU 27
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 v

INDEX OF TABLES 

1. Sources of USAID Funds for Microenterprise by Account, FY 1999-2009 2 

2. Central Mechanism Funding by Office 3 

3. Active USAID Credit Guarantees Related to Microfinance since FY 2002 4 

4. Recipients of USAID Microenterprise Funding, FY 2009 5 

5. Reported Sub-Obligations 6 

6. USAID Microenterprise Funding to Assist Victims of Trafficking and Exploitation, FY 2009 11

7. Estimated Number of Clients in Countries Where a Relationship Has Been Demonstrated between 

Poverty and Race or Ethnicity 12

8. Performance Goals and Results, FY 2009 13

MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 1

INTRODUCTION

This report fulfills the requirement of the 

Microenterprise Results and Accountability Act of 

2004 (Public Law 108-484) that each year, “the 

Administrator of the Agency, acting through the 

Director of the office, shall submit to the appropriate 

congressional committees a report that contains a 

detailed description of the implementation of this title 

for the previous fiscal year.”

The United States Agency for International 

Development (USAID) is a leader among donors in 

the field of microenterprise development and 

microfinance. USAID provides competitive awards to 

hundreds of diverse partners, ranging from nongovernmental organizations, business associations and 

consulting firms to commercial banks. USAID 

supports innovations in financial services, enterprise 

development, and the enabling environment to 

strengthen the contribution of microenterprises to 

poor households’ well-being and economic growth.1,2

 

1 Financial services include the provision of financial services 

adapted to the needs of low-income people, especially small loans, 

facilities for small savings deposits, and simple payments services 

needed by microentrepreneurs and other poor people. This report 

uses the term microfinance interchangeably with financial services.

Enterprise development interventions help microenterprises 

start, survive, and grow by helping them acquire skills and 

knowledge, gain access to financing and other inputs, and develop 

commercial relationships with other firms (both micro-scale and 

larger firms) in order to tap into higher-value markets.

Enabling environment activities promote appropriate laws, 

policies, regulations, and supervisory and administrative practices 

in order to expand access to financial services for low-income 

people or improve the business environment in which 

microenterprises operate. 

 

2 This report summarizes results achieved by partner institutions 

with USAID assistance, consistent with the Microenterprise 

Results and Accountability Act of 2004 and with USAID’s own 

policies on results reporting. Wherever possible, USAID partners 

have reported only those results attributable to USAID technical 

and financial assistance. However, many partners receive 

complementary assistance from other donors and, increasingly, 

from the private sector. Leveraging such additional resources is 

FY 2009 recorded another increase in USAID’s 

microenterprise development funding, making this 

year the largest investment in microenterprise 

development to date by USAID and its implementing 

partners.

Financial services and enterprise development 

interventions expand economic opportunities for poor 

households and businesses, while helping them to 

respond to those opportunities, build household 

assets, and cope with emergencies. Improvements in 

the enabling environment for microfinance encourage 

investment and innovation by microfinance 

institutions of all types, while improvements in the 

business enabling environment help microentrepreneurs participate in markets, increase their 

earnings, and realize the benefits of international trade. 

USAID identifies best practices, develops analytical 

tools, and provides technical assistance to its Missions 

and implementers to strengthen their programs. 

USAID also coordinates with other donors to 

promote good practices and aid effectiveness in 

microfinance and microenterprise development. 

Microenterprise Results Reporting (MRR), USAID’s 

system for tracking microenterprise obligations and 

implementing partner results, has prepared Annual 

Reports on USAID’s funding patterns and partner 

level results since 1996.3

 

essential to maximize the reach, effectiveness, and sustainability of 

USAID assistance, and also typically leads to results that would not 

be possible without USAID assistance. Nevertheless, identifying 

the portion of partners’ results attributable to USAID’s own 

assistance is often difficult or impossible.

To produce this Annual 

Report the MRR gathered and summarized data

obtained from USAID Missions and implementing 

partners.

3 To view Annual Reports from previous years, visit 

www.mrreporting.org. 
2 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

1: OVERALL FUNDING Number of grants, cooperative agreements, 

contracts, or other forms of assistance provided, 

including amount, name of recipient, program, 

and country

In FY 2009, USAID provided a total of $267 million 

in microenterprise development assistance through 

166 new and existing agreements, including grants, 

cooperative agreements, and contracts with 152 

implementing partners in 71 countries. Reported 

microenterprise funding increased modestly from the 

level recorded in FY 2008. The FY 2009 total is the 

largest investment in microenterprise development 

since MRR began tracking data in 1996. Greater 

efforts continued this year to capture data on more 

agricultural-related microenterprise development 

programs. In addition, central offices reported an 

increased level of funding for cross-cutting programs 

with microenterprise development components. 

These are discussed in more detail under Reporting 

Requirement 12 of the report. 

Table 1 shows the sources of FY 2009 USAID funds 

for microenterprise by appropriation account. Annex 

A details each country receiving assistance, the amount 

of each award, and the name of each implementing 

partner. Annex B includes information on FY 2009 

funding by USAID Bureau. 

4 DA – Development Assistance

ESF – Economic Support Funds

INC – International Narcotics Control

ACI – Andean Counternarcotics Initiative

FSA – Freedom Support Act

SAI/SEED – Special Assistance Initiatives includes Support for 

Eastern European Democracy

P.L.-480 – Local currency from monetization of Public Law 480 

(Title II) food aid

IRRF – Iraq Relief and Reconstruction Fund 

CSH/HIV – Child Survival and Health/Human 

Immunodeficiency Virus

GHAI – Global Health AIDS Initiative

IDFA – International Disaster and Famine Assistance

CACEDRF – Central American and Caribbean Emergency 

Disaster Recovery Fund

PEPFAR – The U.S. President’s Emergency Plan for AIDS Relief

AEECA – Assistance to Europe, Eurasia and Central Asia

5 P.L.-480 and local currency funds in the amount of $3.1 million 

are USDA funds managed by USAID. Program results were 

collected on these programs and are included in the USAID 

partner data in this report.

Table 1. Sources of USAID Funds for Microenterprise by Account ($ million), FY 1999 – 2009

Account4 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

DA $74.1 $88.3 $85.3 $80.7 $87.8 $91.2 $87.9 $82.8 $70.9 $82.2 $74.0 

ESF $33.0 $25.2 $27.9 $48.1 $28.4 $17.7 $37.3 $78.0 $44.5 $132.3 $164.7 

INC and ACI $2.1 $21.4 $14.8 $7.0 $32.1

FSA $12.8 $30.3 $19.6 $33.4 $41.0 $35.1 $21.0 $18.6 $11.5 $18.2 $7.2 

SAI/SEED $13.0 $9.2 $7.6 $6.7 $14.5 $13.9 $14.2 $8.5 $10.9 $17.9 $10.4

P.L.-4805 $17.3 $8.8 $13.7 $18.6 $4.8 $10.0 $6.7 $9.0 $9.5 $4.6 $3.1 

IRRF $7.2 $28.9 $11.3 $8.1

CSH/HIV $0.8 $0.5 $0.5 $1.0 $0.6 $0.4 $4.9 $2.6 $3.6 

GHAI $0.7 $1.6 $1.9 

IDFA $0.2 $1.4

CACEDRF $3.2 $8.0

PEPFAR $0.6 

AEECA $1.4 

Total $153.4 $170.6 $154.6 $188.0 $179.6 $197.1 $211.4 $216.0 $193.1 $259.4 $267.0
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 3 

2: CENTRAL FUNDING

Amount of assistance provided through central 

mechanisms 

USAID provided $24.1 million in funding through 

central mechanisms from USAID/Washington in FY 

2009, as shown in Table 2. This total includes funding 

from the Office of HIV/AIDS that for the first time 

has been attributed to microenterprise development. 

The table excludes support for microenterprise 

development through local currency generated 

through sale of Public Law 480 food aid, previously 

reported by the central Office of Food for Peace, but 

currently reported by individual country Missions.

Table 2. Central Mechanism Funding by 

Office (U.S.$ millions)

Microenterprise Development $17.4

Democracy and Governance $3.0

Private Voluntary Cooperation $2.1

Population and Reproductive Health $0.6

HIV/AIDS $0.6

Natural Resources Management $0.4

Total $24.1

3: DEVELOPMENT CREDIT 

AUTHORITY

Name of each country that receives DCA 

assistance and the amount of that assistance

Since 1999, USAID’s Office of Development Credit 

has enabled USAID Missions to expand the capital 

base for microfinance by providing partial guarantees 

rather than grants. Such guarantees encourage 

mainstream financial institutions, such as commercial 

banks, to lend to MFIs and thus enable the MFIs to 

expand their portfolios. Many Missions have used this 

vehicle successfully to support market leaders and 

increase funding to the sector.

Table 3 summarizes active guarantees supporting 

microfinance in FY 2009. Guarantees include the 

Development Credit Authority (DCA) and the Micro 

and Small Enterprise Development (MSED) program, 

both managed by the Office of Development Credit. 

The column labeled “Guarantee Subsidy” shows the 

budgetary costs of providing guarantees. Subsidy 

costs vary according to country, lender, borrower, and 

transaction risk. The amounts shown under “Lending 

Guaranteed” indicate funds available for lending to 

microfinance institutions as a result of partial 

guarantees provided by USAID. Since FY 2002, $9.7 

million in USAID funding for credit guarantees 

leveraged up to $455.2 million in private sector credit 

to MFIs and microenterprises.
4 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

Table 3. Active USAID Credit Guarantees Related to Microfinance since FY 2002

Country Guarantee Subsidy Lending Guaranteed Fiscal Year

Morocco $9,800 $400,000 2002

Peru $74,000 $2,000,000 2002

Honduras $162,400 $3,500,000 2003

Morocco $48,100 $5,000,000 2003

Worldwide $75 $10,000 2003

Ecuador $453,620 $7,400,000 2004

Jamaica $243,950 $8,500,000 2004

Honduras $115,200 $2,000,000 2005 

Indonesia $1,208,680 $16,400,000 2005

Peru $299,800 $8,000,000 2005

Uganda $156,060 $2,700,000 2005

Guatemala $400,000 $20,100,000 2006

Worldwide $66,300 $80,600,000 2006

Bulgaria $57,000 $1,500,000 2007

Ecuador $1,040,501 $11,250,000 2007

Georgia $77,100 $1,500,000 2007

Haiti $151,750 $2,500,000 2007

Colombia $92,800 $8,000,000 2008

Democratic Rep. of Congo $378,000 $5,000,000 2008

Dominican Republic $385,000 $10,000,000 2008

Guyana $99,180 $5,800,000 2008

Haiti $138,600 $2,000,000 2008

Jamaica $275,770 $8,360,000 2008

Kenya $0 $10,000 2008

Paraguay $298,430 $5,100,000 2008

Worldwide $1,399,636 $36,260,000 2008

Egypt $288,000 $20,000,000 2009

Ethiopia $998,900 $7,810,000 2009

Georgia $32,200 $1,000,000 2009

Macedonia $83,500 $5,000,000 2009

Malawi $269,000 $5,000,000 2009

Worldwide $399,307 $162,500,000 2009

Total $9,702,659 $455,200,000 
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 5

4: USAID FUNDING RECIPIENTS 

Level of funding provided through contracts; 

level of funding that is estimated to be 

subgranted or subcontracted from grants, 

contracts, and cooperative agreements; and 

analysis of the comparative cost-effectiveness 

and sustainability of projects carried out under 

these mechanisms 

In an effort to provide support to microenterprise 

development initiatives worldwide, USAID uses a 

variety of assistance mechanisms and implementing 

partners. The Microenterprise Results and 

Accountability Act of 2004 (MRAA) requires USAID 

to report on the funding provided through these 

various mechanisms, both directly to USAID partners 

and through sub-allocations to sub-recipients. The 

legislation also calls for an analysis of the comparative 

cost-effectiveness and sustainability of projects carried 

out under these mechanisms.

Table 4 summarizes USAID microenterprise funding 

provided through contracts by partner type in FY 

2009. Of the total FY 2009 obligation amount of 

$267 million, $147.5 million (55 percent) was directly 

obligated to implementing partners through contracts. 

However, as shown in Table 5, $27.9 million was 

further sub-allocated as grant funding. Ninety percent 

of these sub-grant funds under contract were suballocated to local partners.

In FY 2009, non-profit partners were the direct 

recipients of 35 percent ($93.4 million) of total 

microenterprise funding, while consulting firms were 

the direct recipients of 49 percent ($130.6 million). 

Funds obligated to non-profit partners include those 

obligated to U.S.-based PVOs ($20.4 million or 7.6 

percent of FY 2009 microenterprise funding), local 

NGOs ($71.9 million or 27 percent), and cooperatives 

($1.1 million or 0.4 percent).

Table 4. Recipients of USAID 

Microenterprise Funding, FY 2009 (U.S.$ 

millions)

Partner 

Type

Total 

Funding

Percent of 

Total 

Funding

Funding 

Through 

Contracts

NonProfits6 $93.4 35% $1.6

Consulting 

Firms $130.6 49% $129.6

Other

For-Profits7 $16.6 6% $16.1

Other 

Entities8 $26.4 10% $0.2

Total $267.0 100% $147.5

SUB-OBLIGATIONS

Table 5 shows the estimated level of funding that was 

sub-obligated to direct service providers in FY 2009 in 

the form of grants, contracts, and cooperative 

agreements. Funding for sub-recipients is an 

important indication of USAID’s ability to involve 

local partners in the Agency’s microenterprise 

development efforts. In FY 2009, approximately 

$105.9 million was sub-obligated to 445 institutions. 

Approximately 61 percent of these sub-obligated 

funds were directed to local partners in host countries, 

including cooperatives, credit unions, local NGOs, 

business associations, research/educational 

institutions, and non-bank financial institutions. 

 

6 Non-Profits include PVOs, NGOs, cooperatives and credit 

unions. However no credit union partners were reported in FY 

2009.

7 Other For-Profits include banks, non-bank financial institutions, 

finance companies, and other for-profit institutions.

8 Other Entities includes business associations, government 

agencies, research and educational organizations, obligations to 

USAID for microenterprise project management, pending 

agreements, and institutions marked “other.”

 
6 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

It should also be noted that the sub-recipient funding 

reported by USAID’s partners does not originate 

entirely from FY 2009 USAID obligations, as funds 

are disbursed and expended by partners on a timeline 

that often differs from USAID’s fiscal year 

obligations. Therefore some of these funds may come 

from previous year obligations.

COST-EFFECTIVENESS AND 

SUSTAINABILITY

To track the comparative cost-effectiveness and 

sustainability of programs, MRR collects data on the 

financial and operational sustainability of partner 

institutions in implementing microfinance programs.9

The MRAA also called for an analysis of the 

comparative cost-effectiveness and sustainability of 

projects carried out under different funding 

mechanisms. Measures of cost-effectiveness and 

In FY 2009, 88 percent of USAID-funded MFIs were 

operationally self-sustaining, whereas 75 percent 

attained the more demanding goal of full financial 

sustainability. As USAID considers an institution’s 

sustainability to be related to its cost-effectiveness, the 

Agency uses a number of methods to assist 

microfinance institutions to become self-sustaining. 

These methods include: 1) requiring that implementing 

partners develop concrete plans to achieve financial 

sustainability so that their revenues cover all their 

costs; 2) providing funds and technical assistance to 

build strong institutions that can continue serving their 

clients after USAID support ends; 3) identifying best 

practices and business models to achieve sustainability; 

and 4) providing credit guarantees to help 

microfinance institutions access private capital for 

financing future growth.

 

9 Operational sustainability measures the degree to which an 

institution generates sufficient revenue from operations to cover 

all of its operating costs, including loan losses and the costs of 

capital. Financial sustainability measures the degree to which the 

institution’s revenues from operations also cover the costs of its 

funds calculated at market rates, adjusted for the effects of 

inflation and subsidies. MRR guidance on the calculation of these 

measures was revised this year to align with the calculation used by 

the Mix Market, a leading source of financial and social 

performance data on MFIs.

sustainability for any given project are derived from 

the specific objectives to be achieved by the project, 

the context in which it operates, and the duration of 

support. Given the broad application of 

microenterprise programs to meet development 

objectives, it is not possible to calculate and compare 

these measures using only the results data tracked by 

MRR. Nevertheless, USAID continues to examine the 

cost-effectiveness and sustainability of microenterprise 

projects in evaluations of individual projects. 

Table 5. Reported Sub-Obligations

Institution 

Type

Total SubObligationsGrants Under 

Contracts

Bank $2,464,760 - 

Business 

Association $2,047,821 $355,583

Chamber of 

Commerce $278,562 $104,732

Consulting 

Firm $2,385,624 $442,257

Cooperative $376,075 $87,899

Credit Union $8,883,817 - 

Finance 

Company $434,059 - 

For Profit $14,478,729 $1,634,376

Gov. Agency $1,204,557 - 

NGO $49,302,040 $24,655,384

Non Bank 

Financial 

Institution $1,262,799 - 

Other $3,650,130 - 

PVO $15,994,229 $600,000

Research/ 

Educational $2,914,153 - 

Rural Bank $240,000 - 

Total $105,917,355 $27,880,231
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 7 

5: MATCHING ASSISTANCE

Amount of matching funds provided by 

recipients of microenterprise development 

assistance 

USAID frequently requires that its funds for a 

particular purpose be matched by funds from other 

sources, including the partner institution itself. In FY 

2009, $29.7 million of USAID microenterprise funds 

were matched by an additional $8.6 million from other 

sources. Matching funds from these sources may 

include private donations, multilateral funding, 

commercial and concessional borrowing, savings, and 

program income. 

6: FUNDS BENEFITING THE 

VERY POOR

Percentage of assistance that was allocated to 

the very poor

In adherence to the Microenterprise for Self Reliance 

Act of 2000 (the 2000 Act) and the MRAA, USAID 

uses two methods for estimating the percentage of 

funds benefitting very poor clients: (1) the poverty 

loan proxy, and (2) the USAID-developed Poverty 

Assessment Tools (PATs). The first method uses 

“poverty lending” as a proxy measure of outreach to 

the very poor, based on the assumption that only very 

poor people would seek to take out very small loans. 

In that case, an institution’s outreach to the very poor 

could be inferred from the share of its clients with 

loans smaller than a certain threshold value. The 2000 

Act set a “poverty loan threshold” for each region 

where USAID operates. The share of each 

microfinance institution’s services that benefit the very 

poor is estimated from the share of its loan portfolio 

consisting of loans smaller than the threshold value. 

Similarly, the share of each enterprise development 

program’s services that benefit the very poor is 

estimated from its reported share of clients who 

currently hold poverty loans.

The 2000 Act set the following poverty loan 

thresholds, stated in 1995 U.S. dollars:

• $300 in Asia, the Near East, and Africa

• $400 in Latin America and the Caribbean 

• $1,000 in Europe and Eurasia.

To maintain the real value of these thresholds, they are 

adjusted each year for inflation since 1995.10

Based on information reported by its partner 

organizations, USAID calculated that poverty loans 

represented 21 percent of the portfolio of USAIDsupported microfinance institutions in FY 2009. 

Meanwhile, 55 percent of USAID’s FY 2009 funding 

for enterprise development benefited clients who held 

poverty loans. Combining these two estimates yields 

an overall estimate of 44 percent of USAID 

microenterprise funds that directly benefited very poor 

clients in FY 2009.

 The 

poverty loan thresholds for FY 2009 were $426, $567, 

and $1,418 respectively.

The poverty loan proxy has the virtue of placing little 

or no burden on the reporting partner institutions. 

However, the method rests on questionable 

assumptions that limit the value of the resulting 

estimates. Accordingly, USAID plans to stop 

reporting these estimates in future Annual Reports. 

USAID will continue to collect the underlying data.

Partly in recognition of the analytical weakness of the 

poverty loan proxy, amendments to the 2000 Act 

mandated a second, much more ambitious approach 

to estimating the share of USAID-supported 

microenterprise benefits that reach the very poor. 

First, the amended law created a complex definition of 

the “very poor” – either people living in the bottom 

[poorest] half of those living below their national 

poverty line, or those living on less than the equivalent 

of $1 per day, calculated using purchasing power parity 

(PPP) exchange rates. The law made clear that, for 

any given country, the applicable standard of being 

very poor would be the more inclusive one. Second, 

those amendments directed USAID to develop and 

 

10 Inflation adjustments made using the U.S. Department of Labor 

Consumer Price Index (CPI) Inflation Calculator. 

http://www.bls.gov/data/inflation_calculator.htm 
8 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

certify at least two “low-cost methods” to allow 

partner institutions to measure the share of their 

clients who are very poor as defined in the law, and, 

“with reasonable exceptions,” to require non-profit 

recipients of USAID grants or cooperative agreements 

for microenterprise development to use those 

methods to measure and report the share of their very 

poor clients. These changes are reiterated in the 

MRAA. 

The process of developing, certifying, and applying 

poverty assessment tools is discussed in Section 8 of 

this report. By the end of FY 2009, USAID had 

certified Poverty Assessment Tools for 29 countries. 

Because applying those tools involves substantial 

costs, USAID exempted institutions that spent less 

than $100,000 in USAID microenterprise funds in FY 

2009, considering these to be “reasonable exceptions” 

as cited in the law. In all, 16 partner institutions 

implementing 17 programs in 11 countries reported 

poverty assessments in FY 2009. Of these 17 

programs, three offered only financial services, 13 

offered only enterprise development interventions, 

and one offered both. Together, these 17 programs 

received 37 percent of total USAID microenterprise 

funding in FY 2009, or 39 percent excluding support 

for policy reform.

Among the four microfinance institutions that applied 

and reported on the Poverty Assessment Tools, the 

average share of Funds Benefiting the Very Poor 

(FVP) is estimated at 22.8 percent, down from 

28.5 percent in FY 2008. This average is based on the 

share of very poor clients reported by each MFI, 

weighted by the value of USAID microfinance 

funding that each MFI received in FY 2009. For the 

14 enterprise development programs that applied and 

reported on the Poverty Assessment Tools, average 

FVP is estimated at 23.8 percent, lower than the 

26.0 percent reported in FY 2008. This average is 

weighted by each program’s FY 2009 funding for 

enterprise development. A weighted average of these 

two estimates yields an overall estimate of 23.5 percent 

of USAID funds benefiting the very poor, down from 

the 26.9 percent in FY 2008.11

Year-to-year changes in the overall percent of “very 

poor” clients served by USAID-supported 

microenterprise partners are largely driven by the 

changing mix of partners that report results from the 

Poverty Assessment Tools, together with the changing 

level of funding to each partner.

 Programs pursuing 

policy reforms cannot report client-level data, and so 

are excluded from the calculations. 

12

Previous Annual Reports include a detailed analysis of 

this shortfall. Three major issues continue to be 

relevant. 

 Nevertheless, three 

years of results from using the Poverty Assessment 

Tools make clear that the percentage of very poor 

clients estimated using these tools falls considerably 

below the 50 percent target contained in current law. 

First, a main source of the shortfall arises from the 

very narrow definition of being “very poor” contained 

in the legislation. At less than 10 percent of the 

current U.S. poverty line, the $1/day line should not 

be viewed as the upper bound of extreme poverty, but 

rather as the borderline between extreme poverty and 

destitution.13

Second, the impression that many MFIs serve very 

high percentages of clients living on less than $1/day 

 Although the great majority of 

microentrepreneurs live above this line, their families 

suffer high rates of infant and child mortality and 

malnutrition and low life expectancy. Treating such 

people – the actual and potential clients of effective 

microenterprise programs – as “not poor enough” to 

merit attention from USAID microenterprise efforts 

seems arguably highly questionable. 

 

11 In computing this average, the weights are set equal to the 

percentage of total funds used for microfinance and enterprise 

development. 

12 For example, in the wake of the devastating earthquake in Haiti, 

USAID waived PAT reporting by all partners in Haiti in FY 2009, 

both to avoid distracting them from more urgent tasks and in 

recognition that the earthquake broke the statistical link between 

household characteristics and poverty that the PATs rely on. 

13 Lant Pritchett, “Who is Not Poor? Dreaming of a World Truly 

Free of Poverty.” World Bank Research Observer 2006. 
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 9 

appears to be based on published reports of outreach 

to the “poorest.” However, these reports rely on 

MFIs’ own standards of extreme poverty and on their 

own methods for estimating how many of their clients 

fell into this category. Few if any apply tested 

analytical methods like the Poverty Assessment Tools. 

As a result, these reports should be viewed with 

considerable skepticism. 

Third and finally, many of the reports of high 

percentages of “very poor” clients result from the use 

of targeting methods that rely on self-reporting by 

potential clients seeking to determine eligibility for 

enrollment in microfinance programs. Such methods 

create strong incentives for potential clients to 

misrepresent their true situation, and similarly strong 

incentives for loan officers to accept this 

misinformation in order to meet their quotas of 

eligible new clients. Recognizing the inherently risky 

nature of such targeting methods, USAID strongly 

discourages its partners from using them. 

7: NUMBER OF VERY POOR 

REACHED 

Estimated number of very poor reached with 

assistance provided 

The Microenterprise for Self-Reliance Act (the 2000 

Act) directs USAID to use its poverty assessment 

tools to estimate the number of very poor clients who 

benefit from USAID microenterprise programs. 

Partners that applied the certified poverty assessment 

tools together received approximately 39 percent of 

USAID microenterprise funding in FY 2009, 

excluding funding for policy reform. Using those 

partners’ reported results to estimate the total number 

of very poor clients reached by all USAID-funded 

microenterprise partners requires assuming that the 

share of very poor clients of all partner institutions 

resembles that of the partners that applied the poverty 

assessment tools. 

For USAID-supported microfinance institutions, 

multiplying the 22.8 percent share of “very poor” 

microfinance clients, calculated from the poverty 

assessment tool data, by the total number of 

borrowers from all supported MFIs – 1.85 million – 

implies that approximately 422,000 very poor clients 

directly benefited from USAID funding for 

microfinance in FY 2009.14

These estimates are subject to the same caveat stressed 

in the previous section: the reported number of very 

poor clients is a product of the way that being “very 

poor” is defined in the legislation. USAID believes 

that definition is much too narrow, resulting in a 

dramatic understatement of the number of very poor 

people who benefit from USAID-supported 

microenterprise programs.

 Enterprise development 

programs directly benefited an estimated 551,000 very 

poor people, including both owners and employees. 

Combining these two estimates yields an overall 

estimate of approximately 973,000 very poor people 

who directly benefited from USAID microenterprise 

programs in FY 2009. 

8: POVERTY ASSESSMENT 

TOOLS

Process of developing and applying poverty 

assessment procedures

The legislative background to USAID’s Poverty 

Assessment Tools (PATs) is reviewed under Section 6. 

In FY 2009, USAID continued to develop Poverty 

Assessment Tools for additional countries, improve 

existing PATs to provide greater accuracy and more 

useful information to the organizations that use them, 

and support the proper use of all PATs by such 

organizations. In addition, USAID identified 

important new uses for its Poverty Assessment Tools 

to measure poverty beyond the sphere of 

microenterprise development. 

In FY 2009, USAID developed and certified new 

Poverty Assessment Tools for use in Bolivia, Nepal, 

and the West Bank, bringing the total number of 

 

14 This estimate is based on the highly conservative assumption 

that all savers with USAID-supported MFIs also borrow from 

those MFIs. Adding the numbers of borrowers and savers leads to 

a higher estimate of 819,000 very poor clients of USAIDsupported MFIs. USAID’s data gathering system cannot identify 

the degree of overlap between borrowers and savers among the 

clients of its MFI partners.
10 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

certified PATs to 29. The countries covered by those 

29 PATs absorbed 59 percent of FY 2009 USAID 

microenterprise funding for programs in specific 

countries – 76 percent excluding four countries where 

security conditions or government policy make it 

impossible to collect household survey data: 

Afghanistan, Iraq, Sudan, and Egypt. These 29 tools 

provide the basis for the estimates of Funds Benefiting 

the Very Poor contained in Sections 6 and 7. 

As the growing number of certified PATs has 

provided ever-increasing coverage of USAID 

microenterprise funding, the remaining pool of 

uncovered countries with significant USAID 

investments in microenterprise development has 

declined – especially those countries with existing, 

publicly available household survey data, which 

provide the starting point for developing PATs. 

Where such data are not already available, developing 

a PAT requires that USAID first gather the data itself 

– a major undertaking in terms of time and cost, 

reserved for countries with substantial USAID 

investments in microenterprise development. Two 

such PATs – for Liberia and Senegal – were 

approaching completion as this Annual Report was 

being written, along with new PATs for several 

additional countries using existing household data. 

While continuing to develop PATs for additional 

countries, USAID has begun shifting effort toward 

improving its existing PATs – improvements that will 

be applied to each new PAT developed. Major 

improvements include:

• Recalibrating PATs based on new household 

survey data.

• Recalibrating PATs based on the previous 

version of the international poverty line 

against the new version released in 2008: 

$1.25 per person per day at 2005 Purchasing 

Power Parity (PPP). This is the current 

version of the “$1/day” poverty line cited in 

the legislation; it relies on a much more 

accurate set of PPPs than previous versions, 

and thus ensures greater comparability of 

poverty measurements across countries. 

• Most importantly, calibrating PATs against 

multiple poverty lines, to provide 

organizations with a more detailed and 

comprehensive picture of the living standards 

of their clients. The first step in this direction 

was to calibrate against two poverty lines, e.g. 

$1.25 per day and $2.50 per day. More recent 

PATs have taken this further, calibrating 

against five poverty lines – two above and two 

below the poverty line mandated in the 

legislation. All new and revised PATs will 

follow this approach. By improving an 

organization’s information on its client base, 

USAID hopes to increase the return on their 

efforts and thereby encourage greater 

voluntary use of the PATs. 

Multiple PATs were improved in these ways in FY 

2009, with more in the pipeline.

In addition to producing new and improved PATs, 

USAID made major improvements in its training for 

PAT users in FY 2009. While continuing its live 

training sessions and help desk service, USAID 

introduced a comprehensive, multi-day online elearning course, so that organizations that wish to use 

the PATs can learn to do so anywhere in the world. 

This e-learning course is backed by live trainers to 

ensure full understanding. 

9: VICTIMS OF TRAFFICKING 

AND EXPLOITATION 

Information on efforts to ensure that recipients 

of microenterprise development assistance 

identify and assist victims of trafficking in 

persons and other forms of exploitation and 

violence 

The MRAA requires USAID to report information 

from its Missions on their efforts to ensure that 

recipients of USAID microenterprise and 

microfinance development assistance work closely 

with NGOs and foreign governments to identify and 

assist victims of potential or severe forms of 

trafficking in persons and women who are victims of 

or susceptible to other forms of exploitation and 

violence. Table 6 shows, by USAID Regional Bureau, 
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 11 

microenterprise funding obligated to microenterprise 

institutions targeting these groups.

In FY 2009, the total value of such funding increased 

from the level reported in FY 2008. This year the 

Sub-Saharan Africa region accounts for a large part of 

this increase, with Ethiopia’s $3 million investment in 

the Productive Safety Net Program Plus responsible 

for over half of the increase. Angola, Mozambique 

and Tanzania also funded programs this year 

benefiting victims of trafficking and exploitation.

Other Missions and operating units that reported 

funding for partners serving these groups in FY 2009 

include the Regional Development Mission in the Asia 

region, Armenia, Belarus, Bosnia, Serbia, Ukraine, and 

the Office of Natural Resources Management.

10: POVERTY AND 

RACE/ETHNICITY

Estimated percentage of beneficiaries who are 

in countries where a strong relationship 

between poverty and race or ethnicity has been 

demonstrated 

The MRAA requires that USAID report “[a]n estimate 

of the percentage of beneficiaries of assistance under 

this title in countries where a strong relationship 

between poverty and race or ethnicity has been 

demonstrated.” MRR requested information in FY 

2009 from USAID Missions in relation to this 

requirement. Table 7 reports on the number of 

microenterprise clients in countries where Missions 

cite a relationship between poverty and race or 

ethnicity.

The number of borrowers and savers in countries 

where this relationship was reported dropped 

significantly in FY 2009 from FY 2008. This can be 

largely attributed to much smaller figures reported 

from programs in Mexico and Colombia. Conversely, 

in FY 2009 the overall numbers of enterprise 

development clients in countries reported to have a 

relationship between poverty and race or ethnicity 

increased by nearly 500,000. Most of this can be 

attributed to a credit union program in Ecuador.

Table 6. USAID Microenterprise Funding to Assist Victims of Trafficking and Exploitation,

FY 2009

Bureau

Financial Services & 

Related Enabling 

Environment

Enterprise Development & 

Related Enabling 

Environment 

Total

Asia $70,000 $70,000

Europe & Eurasia $6,655,900 $6,655,900

Sub-Saharan Africa $4,100,000 $2,500,000 $6,600,000

Centrally Funded $250,000 $250,000

Total $4,100,000 $9,475,900 $13,575,900
12 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

11: PERFORMANCE 

MONITORING SYSTEM

Information on the monitoring system

Several provisions of the MRAA address performance 

monitoring:

1. “The monitoring system shall include 

performance goals for the assistance and 

express such goals in an objective and 

quantifiable form, to the extent feasible.”

2. “The monitoring system shall include 

performance indicators to be used in measuring 

or assessing the achievement of the 

performance goals described in paragraph (1) 

and the objective of the assistance authorized 

under section 252 [of the Foreign Assistance 

Act of 1961, as amended].”

3. “The monitoring system provides a basis for 

recommendations for adjustments to the 

assistance to enhance the sustainability and the 

impact of the assistance, particularly the impact 

of such assistance on the very poor, particularly 

poor women.”

4. “The monitoring system adopts the widespread 

use of proven and effective poverty assessment 

tools to successfully identify the very poor and 

ensure that they receive adequate access to 

microenterprise loans, savings, and assistance.”

Table 8 shows the performance goals and indicators 

that USAID set for FY 2009, along with reported 

results. 

On a worldwide basis, USAID and its implementing 

partners exceeded the Agency’s goals in many areas.

USAID-supported microfinance programs exceeded 

the Agency’s goals for targeting rural clients and 

women. The share of MFIs achieving full financial 

sustainability exceeded USAID’s goal. USAID’s 

Microfinance program did not reach the goal for 

number of borrowers and savers. This can be largely 

attributed to the fact that 2 million borrowers and 1.3 

million savers that were reported in FY 2008 were not 

reported in FY 2009. Five specific projects account 

for the majority of this decrease. In three of these 

cases (Malawi, Mexico, and Central Asia), the projects 

ended in FY 2009, and fewer data or no data were 

reported to MRR this year. In the fourth case 

(Colombia), the project reported to MRR but did not 

provide sub-recipient data, which includes the 

borrower and saver information. Finally, in the fifth 

case (Philippines), the project did not receive 

microenterprise-related funding recently enough to be 

included in the FY 2009 data collection cycle.

USAID exceeded all of its performance goals for 

enterprise development, with the exception of 

percentage of funds benefiting the very poor, 

discussed in detail under Section 6. The number of 

microenterprises assisted and number of employees 

were areas of especially strong performance.

Table 7. Estimated Number of Clients in Countries Where a Relationship Has Been 

Demonstrated Between Poverty and Race or Ethnicity

Region Country Borrowers Savers Enterprise 

Development Clients

Asia Bangladesh - - 511

Europe & Eurasia Serbia - - 81

Latin America and the 

Caribbean Basin 

Bolivia - - 32,124

Colombia - - 106,976

Ecuador - - 448,497

Guatemala 3,990 3,990 749

Mexico 118,419 0 -

Panama - - 14

Peru 114,362 152,254 2,089

Sub-Saharan Africa Mali - - 4,075

Nigeria - - 568

Total 236,771 156,244 595,684
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 13 

Table 8. Performance Results and Goals, FY 2009

FY 2009 Results FY 2009 Goal

Microfinance

Borrowers 1.85 million 4 million

Savers 1.79 million 4 million

Women Clients 62% 60%

Rural Clients 60% 40%

Funds Benefiting the Very Poor 50%

 Per Poverty Assessment Tools 23%

 Per Poverty Loan Proxy 21%

Financially Sustainable MFIs 75% 50%

Enterprise Development

Microenterprises Assisted 1.22 million 250,000

Owners and Employees of Microenterprises Assisted 2.31 million 750,000

Women Clients 49% 30%

Rural Clients 92% 75%

Funds Benefiting the Very Poor 50%

 Per Poverty Assessment Tools 24%

 Per Poverty Loan Proxy 55%
14 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

12: ADDITIONAL INFORMATION

Additional information related to the provision 

of microenterprise development assistance

In FY 2009 USAID funded its Office of 

Microenterprise Development (MD), leveraged 

investments to meet the evolving and diverse needs 

for microenterprise development around the world, 

and supported key central programs designed to 

promote innovation and strengthen the ability of 

USAID’s Missions and partners to meet the Agency’s 

development objectives.

LEVERAGING INVESTMENTS IN 

MICROENTERPRISE DEVELOPMENT

USAID’s investments in microenterprise development 

have stimulated a diversity of effective approaches, 

capable partners, strong local service providers, and 

responsive funding mechanisms to meet evolving 

needs for microenterprise development around the 

world. In FY 2009, USAID continued to leverage 

these investments to address new development 

challenges, reach out to poorer and more vulnerable 

populations, and build the capacity of partner 

institutions to sustain and grow beyond USAID 

support. 

In FY 2009, USAID continued its use of credit 

guarantees to bolster additional sources of support for 

microenterprise development, partnering with ten 

additional private financial institutions in five 

countries. In addition, USAID created a partnership 

with the Grameen Foundation to reach 

microenterprises worldwide. Under these new 

partnerships, USAID funding of $2.1 million will 

leverage up to $201.3 million in private sector credit to 

MFIs and microenterprises. 

USAID also leverages its investments through its 

state-of-the-art microenterprise knowledge 

management program and web site, 

www.microLINKS.org, which connects practitioners 

with each other and sources the latest learning in 

microenterprise development. This investment 

facilitates collaboration and peer assistance to identify 

promising innovations, refine and disseminate lessons 

learned and best practices, and adapt them for 

application in the field. Through a state-of-the-art, 

award-winning program of facilitated learning 

networks, virtual conferences and communities of 

practice, audio interviews with leading experts, and inperson seminars enhanced by virtual access, USAID 

brings its technical leadership to bear on 

microenterprise activities well beyond those that it 

directly supports. 

KEY CENTRAL PROGRAMS

In addition to its capacity as a field support team to all 

overseas Missions implementing microenterprise 

development programs, MD also often funds new 

initiatives to pilot test cutting-edge technologies and 

new microfinance products. Through a three-year 

grant supporting innovative ways to expand access to 

financial services to very poor people in rural areas in 

Mexico, USAID’s partner FINCA has been testing the 

use of pre-paid cards as a way to disburse loans to 

clients. So far, the program has achieved its goals of 

saving clients the time and expense of dealing with 

travel to bank branches and working with paper 

checks, as well as adding security and flexibility to the 

way they access funds. 

A final central function involves management of the 

MRR system itself. Last year, USAID began the 

process of rebuilding the MRR system in order to 

improve the efficiency and accuracy of 

microenterprise development data collection. The 

database has been completely revised, and all data 

collection for this reporting year was completed using 

the new online survey system. It has improved the 

overall data collection, validation, and reporting 

process and is providing faster and more expansive 

access to MRR results.
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 15 

INDEX OF REPORTING REQUIREMENTS 

Reporting Requirement Location

1 Funding: The number of grants, cooperative agreements, contracts, contributions, or other form of 

assistance provided under section 252 [the section of the law authorizing USAID to provide 

microenterprise assistance], with a listing of:

Page 2; 

Page 17-26 

(Annex A)

(A) the amount of each grant, cooperative agreement, contract, contribution or other form of 

assistance;

(B) the name of each recipient and each developing country with respect to which projects or activities 

under the grant, cooperative agreement, contract, contribution, or other form of assistance were 

carried out; and

(C) a listing of the number of countries receiving assistance authorized by section 252.

2 Central Mechanisms: The amount of assistance provided under section 252 through central 

mechanisms.

Page 3; 

Table 2 

3 Development Credit Authority: The name of each country that receives assistance under section 

256 [the section of the law pertaining to the Development Credit Authority and credit instruments] 

and the amount of such assistance.

Page 3-4; 

Table 3

4 USAID Funding Recipients: 

The level of funding provided through contracts; 

Page 5; 

Table 4 

the level of funding provided through grants, contracts, and cooperative agreements that is estimated 

to be subgranted or subcontracted, as the case may be, to direct service providers; and

Page 5-6; 

Table 5 

an analysis of the comparative cost-effectiveness and sustainability of projects carried out under these 

mechanisms.

Page 6

5 Matching Assistance: It is the sense of Congress that USAID should include in the report required 

by section 258 of the Foreign Assistance Act of 1961 [as added by section 6 of this Act] a description 

of all matching assistance [as described in paragraph (1)] provided for the prior year by recipients of 

microenterprise development assistance under such title.

Page 7

6 Funds for Very Poor Clients: The percentage of assistance furnished under section 252 that was 

allocated to the very poor based on the data collected using the certified methods required by section 

254 [the section of the law outlining the requirement for USAID to develop client poverty assessment 

methods and require their use by awardees by October 2006].

Page 7

7 Estimated Number of the Very Poor reached with assistance provided under section 252. Page 9

8 Poverty Assessment Methods: The process of developing and applying poverty assessment 

procedures required under section 254.

Page 9

9 Funds to Assist Victims of Trafficking and Exploitation: Information on the efforts of the 

Agency to ensure that recipients of United States microenterprise and microfinance development 

assistance work closely with non-governmental organizations and foreign governments to identify and 

assist victims or potential victims of severe forms of trafficking in persons and women who are victims 

of or susceptible to other forms of exploitation and violence.

Page 10-11; 

Table 6

10 Poverty and Race/Ethnicity: An estimate of the percentage of beneficiaries of assistance under this 

title in countries where a strong relationship between poverty and race or ethnicity has been 

demonstrated.

Page 11-12; 

Table 7 

11 Performance Monitoring System: The results of the monitoring system required under section 

253 [see A-D below].

Page 12
16 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

Reporting Requirement Location

(A) The monitoring system shall include performance goals for the assistance and expresses such goals 

in an objective and quantifiable form, to the extent feasible.

Page 13; 

Table 8

(B) The monitoring system shall include performance indicators to be used in measuring or assessing 

the achievement of the performance goals described in paragraph (1) and the objective of the assistance 

authorized under section 252.

(C) The monitoring system provides a basis for recommendations for adjustments to the assistance to 

enhance the sustainability and the impact of the assistance, particularly the impact of such assistance on 

the very poor, particularly poor women.

(D) The monitoring system adopts the widespread use of proven and effective poverty assessment 

tools to successfully identify the very poor and ensure that they receive adequate access to 

microenterprise loans, savings, and assistance.

12 Additional Information: Any additional information relating to the provision of assistance authorized 

by this title, including the use of poverty assessment methods required by section 254, or additional 

information on assistance provided by the United States to support microenterprise development 

under this title or any other provision of law.

Page 14
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 17 

ANNEX A: FY 2009 FUNDING BY MISSION, 

PARTNER, AND TECHNICAL AREA

Annex A was generated from the MRR database with data current as of June 2010. 

MRR is a live system that can be updated by Missions at any time. 
18 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

Annex A: FY 2009 FUNDING BY MISSION, PARTNER, AND TECHNICAL AREA 

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

ASIA BUREAU

Afghanistan Academy for Educational Development Financial Services/

Microfinance

$5,708,296 

Development Alternatives, Inc. Enterprise Development $12,967,938 

UN HABITAT Financial Services/

Microfinance

$5,665,901 

 Total Afghanistan $24,342,135 

Bangladesh Agreement Pending Not Specified $2,871,099 

International Resources Group Enterprise Development $128,901 

 Total Bangladesh $3,000,000 

Cambodia Development Alternatives, Inc. Enterprise Development $4,512,546 

Development Alternatives, Inc. Policy for Enterprise Development $700,000 

 Total Cambodia $5,212,546 

East Timor Development Alternatives, Inc. Enterprise Development $850,000 

Development Alternatives, Inc. Policy for Enterprise Development $150,000 

 Total East Timor $1,000,000 

Indonesia Development Alternatives, Inc./SENADA Policy for Financial 

Services/Microfinance

$832,500 

Development Alternatives, Inc./AMARTA Enterprise Development $1,140,000 

 Total Indonesia $1,972,500 

Kazakhstan Pragma Corporation/BEI Policy for Enterprise Development $257,000 

Pragma Corporation/Kazakhstan Small 

Business Development Project

Enterprise Development $731,403 

 Total Kazakhstan $988,403 

Kyrgyzstan CAMFA II Central Asian Microfinance 

Alliance

Financial Services/

Microfinance

$576,203 

Pragma Corporation Policy for Enterprise Development $91,656 

Winrock International Enterprise Development $116,483 

 Total Kyrgyzstan $784,342 

Mongolia Chemonics International, Inc. Policy for Enterprise Development $400,000 

 Total Mongolia $400,000 

Pakistan KB Khushhalibank Financial Services/Microfinance $450,000 

MEDA Mennonite Economic 

Development Associates

Enterprise Development $6,000,000 

 Total Pakistan $6,450,000 

Philippines Chemonics International, Inc. Financial Services/

Microfinance

$1,647,203 

Microenterprise Support Financial Services/

Microfinance

$79,842 

 Total Philippines $1,727,045 

RDM/A The Mountain Institute Enterprise Development $50,000 
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 19 

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

Tibet Poverty Alleviation Fund Enterprise Development $70,000 

 Total RDM/A $120,000 

Sri Lanka AECOM International Development Enterprise Development $250,000 

 Total Sri Lanka $250,000 

Tajikistan Pragma Corporation Policy for Enterprise Development $83,545 

Winrock International Enterprise Development $657,000 

 Total Tajikistan $740,545 

Uzbekistan Development Alternatives, Inc. Enterprise Development $1,502,950 

 Total Uzbekistan $1,502,950 

 

 Total Asia Bureau $48,490,466 

EUROPE & EURASIA BUREAU

Albania Chemonics International, Inc. Enterprise Development $900,000 

Development Alternatives, Inc. - AAC 

project

Enterprise Development $600,000 

 Total Albania $1,500,000 

Armenia Agreement Pending Financial Services/

Microfinance

$750,000 

Nathan Associates/Armenia Enterprise Development $750,000 

 Total Armenia $1,500,000 

Azerbaijan Chemonics International, Inc. Enterprise Development $200,000 

Chemonics International, Inc. Policy for Enterprise Development $50,000 

 Total Azerbaijan $250,000 

Belarus Center for International Private 

Enterprise (CIPE)

Policy for Enterprise Development $252,000 

Eurasia Foundation Policy for Enterprise Development $50,000 

International Organization for Migration Enterprise Development $20,900 

 Total Belarus $322,900 

Bosnia Chemonics International, Inc. Enterprise Development $900,000 

Emerging Markets Group, Ltd. Enterprise Development $2,000,000 

 Total Bosnia $2,900,000 

Europe and 

Eurasia Bureau

SEGURA Enterprise Development $55,000 

 Total Europe and Eurasia Bureau $55,000 

Georgia Centre for Training and Consultancy Enterprise Development $500,000 

CNFA Enterprise Development $14,428 

Winrock International Enterprise Development $200,000 

Women's Fund in Georgia Enterprise Development $282,000 

 Total Georgia $996,428 

Kosovo International Research and Exchange 

Board

Enterprise Development $150,000 

Mercy Corps International Enterprise Development $600,000 
20 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

 Total Kosovo $750,000 

Macedonia ARD Inc. Enterprise Development $570,000 

CARANA Corporation Enterprise Development $80,000 

World Learning for International 

Development

Enterprise Development $100,000 

 Total Macedonia $750,000 

Moldova Chemonics International, Inc. Enterprise Development $170,000 

Development Alternatives, Inc./Nathan 

Group

Policy for Enterprise Development $600,000 

 Total Moldova $770,000 

Russia ACDI/VOCA Enterprise Development $1,150,000 

International Rescue Committee Enterprise Development $250,000 

 Total Russia $1,400,000 

Serbia Booz Allen Hamilton, Inc. Enterprise Development $525,000 

Development Alternatives, Inc. Enterprise Development $2,400,000 

 Total Serbia $2,925,000 

Ukraine Abt Associates, Inc. Policy for Financial 

Services/Microfinance

$141,642 

Chemonics International, Inc. Enterprise Development $483,821 

Commercial Law Center Policy for Financial 

Services/Microfinance

$69,000 

Eurasia Foundation Enterprise Development $65,000 

Financial Markets International Inc. Financial Services/

Microfinance

$639,348 

International Organization for Migration Enterprise Development $60,000 

Pragma Corporation Financial Services/

Microfinance

$210,520 

 Total Ukraine $1,669,331 

 

 Total Europe and Eurasia Bureau $15,788,659 

LATIN AMERICA & CARIBBEAN BUREAU

Bolivia Abt Associates, Inc. Enterprise Development $1,000,000 

ACDI/VOCA Enterprise Development $200,000 

Chemonics International, Inc. Enterprise Development $1,500,000 

International Resources Group Enterprise Development $300,000 

 Total Bolivia $3,000,000 

Brazil TransFair USA Enterprise Development $260,000 

 Total Brazil $260,000 

Colombia Associates in Rural Development, 

Inc./ADAM

Enterprise Development $39,518,892 

Associates in Rural Development/MIDAS 

Program

Enterprise Development $19,600,134 

Associates in Rural Development/MIDAS 

Program

Financial Services/

Microfinance

$1,300,000 

Associates in Rural Development/MIDAS 

Program

Policy for Financial 

Services/Microfinance

$200,000 
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 21 

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

Cooperative Housing Foundation Enterprise Development $300,000 

IOM International Organization for 

Migrations

Enterprise Development $7,398,075 

Pan American Development Foundation Enterprise Development $1,800,000 

 Total Colombia $70,117,101 

CRP Agreement Pending Enterprise Development $1,248,100 

Agreement Pending Policy for Enterprise Development $100,000 

Agreement Pending Policy for Financial 

Services/Microfinance

$100,000 

 Total CRP $1,448,100 

Ecuador ACDI/VOCA - Academy for Educational

Development Joint Venture

Enterprise Development $1,368,000 

CARANA Corporation Enterprise Development $284,000 

 Total Ecuador $1,652,000 

El Salvador Agreement Pending Policy for Financial 

Services/Microfinance

$966,000 

Microenterprise Support Policy for Financial 

Services/Microfinance

$116,000 

 Total El Salvador $1,082,000 

Guatemala ASOCIACION SHARE DE 

GUATEMALA 

Enterprise Development $477,388 

Catholic Relief Services Enterprise Development $96,525 

Save the Children Federation Inc. Enterprise Development $63,956 

Save the Children Federation Inc. Financial Services/

Microfinance

$46,931 

 Total Guatemala $684,800 

Guyana CARANA Corporation Enterprise Development $200,000 

CARANA Corporation Policy for Enterprise Development $140,000 

 Total Guyana $340,000 

Haiti Academy for Education Development Financial Services/

Microfinance

$7,500,000 

 Total Haiti $7,500,000 

Jamaica CDC Development Solutions Enterprise Development $400,000 

Microenterprise Support Enterprise Development $200,000 

USDA Forest Service International 

Programs

Enterprise Development $200,000 

 Total Jamaica $800,000 

Mexico Abt Associates, Inc. Policy for Financial 

Services/Microfinance

$135,000 

 Total Mexico $135,000 

Nicaragua Agreement Pending Enterprise Development $654,891 

CARANA Corporation Enterprise Development $276,109 

Catholic Relief Services Enterprise Development $500,000 

 Total Nicaragua $1,431,000 

Panama International Resources Group Enterprise Development $372,427 
22 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

 Total Panama $372,427 

Paraguay CARANA Corporation Financial Services/

Microfinance

$1,000,000 

Fundacion Paraguaya Enterprise Development $250,000 

 Total Paraguay $1,250,000 

Peru Chemonics International, Inc. Enterprise Development $4,000,000 

United Nations Office on Drugs and 

Crime

Enterprise Development $1,000,000 

 Total Peru $5,000,000 

 

 Total Latin America and Caribbean 

Bureau $95,072,428 

MIDDLE EAST BUREAU

Egypt Chemonics International, Inc. Financial Services/

Microfinance

$839,086 

 Total Egypt $839,086 

Iraq The Louis Berger Group Financial Services/

Microfinance

$22,050,000 

 Total Iraq $22,050,000 

Jordan Agreement Pending Financial Services/

Microfinance

$3,000,000 

 Total Jordan $3,000,000 

Lebanon Volunteers for Economic Growth 

Alliance

Financial Services/

Microfinance

$1,609,755 

 Total Lebanon $1,609,755 

West Bank/Gaza Academy for Educational Development Financial Services/

Microfinance

$9,950,000 

CARANA Corporation Enterprise Development $2,000,000 

 Total West Bank/Gaza $11,950,000 

 

 Total Middle East Bureau $39,448,841 

SUB-SAHARAN AFRICA BUREAU

Angola Cooperative League of the United States Enterprise Development $420,000 

Kixi Credito Financial Services/

Microfinance

$300,000 

Twayovoka para o Desenvolvimento Financial Services/

Microfinance

$300,000 

 Total Angola $1,020,000 

DR Congo International Institute of Tropical 

Agriculture

Enterprise Development $1,383,979 

Paul Carlson Partnership Financial Services/

Microfinance

$658,444 

 Total DR Congo $2,042,423 

Ethiopia CARE Financial Services/

Microfinance

$3,500,000 

 Total Ethiopia $3,500,000 
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 23 

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

Ghana Opportunities Industrialization Centers 

International

Enterprise Development $342,396 

TechnoServe Enterprise Development $2,207,000 

 Total Ghana $2,549,396 

Kenya Agreement Pending Enterprise Development $1,800,000 

Agreement Pending Financial Services/

Microfinance

$2,650,000 

Development Alternatives, Inc. Financial Services/

Microfinance

$700,000 

 Total Kenya $5,150,000 

Liberia Agreement Pending Enterprise Development $2,820,000 

 Total Liberia $2,820,000 

Malawi Concern Universal Microfinance 

Organization (CUMO)

Enterprise Development $499,542 

Friends of Aids Support Trust (FAST) Enterprise Development $229,260 

Land O'Lakes, Inc. Enterprise Development $349,387 

Mulanje Mountain Conservation Trust 

(MMCT)

Enterprise Development $3,000,000 

Total Land Care (TLC) Enterprise Development $7,400,000 

 Total Malawi $11,478,189 

Mali Abt Associates, Inc. Enterprise Development $500,000 

Mali Trickle Up Enterprise Development $300,000 

 Total Mali $800,000 

Mozambique Abt Associates, Inc. Enterprise Development $250,000 

Abt Associates, Inc. Policy for Enterprise Development $250,000 

World Vision Enterprise Development $1,000,000 

 Total Mozambique $1,500,000 

Namibia Project HOPE Financial Services/

Microfinance

$1,232,735 

 Total Namibia $1,232,735 

Nigeria Catholic Relief Services Financial Services/

Microfinance

$210,000 

Centre for Development and Population 

Activities

Financial Services/

Microfinance

$208,909 

Chemonics International, Inc. Policy for Enterprise Development $166,448 

Development Alternatives, Inc./Nathan 

Group

Enterprise Development $238,552 

Microenterprise Support Enterprise Development $89,750 

National Association of Regulatory 

Utility Commissioners

Enterprise Development $180,250 

Partners for Development (PfD) Enterprise Development $350,000 

Partners for Development (PfD) Financial Services/

Microfinance

$350,000 

Winrock International Financial Services/

Microfinance

$210,000 

 Total Nigeria $2,003,909 

Rwanda CARANA Corporation Enterprise Development $1,000,000 
24 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

Land O'Lakes Enterprise Development $500,000 

 Total Rwanda $1,500,000 

Senegal International Resources Group Enterprise Development $1,600,000 

 Total Senegal $1,600,000 

Sierra Leone ACDI/VOCA Financial Services/

Microfinance

$100,000 

 Total Sierra Leone $100,000 

South Africa Corporate Council on Africa Enterprise Development $500,000 

 Total South Africa $500,000 

Sudan Associates in Rural Development Policy for Financial 

Services/Microfinance

$1,250,000 

Mercy Corps - Bridge Enterprise Development $500,000 

Winrock International - Bridge Enterprise Development $500,000 

 Total Sudan $2,250,000 

Tanzania Fintrac, Inc. Enterprise Development $900,000 

Floresta Enterprise Development $100,000 

 Total Tanzania $1,000,000 

Uganda ACDI/VOCA Enterprise Development $30,000 

Associates in Rural Development Financial Services/

Microfinance

$1,500,000 

 Total Uganda $1,530,000 

USAID/East Africa Catholic Relief Services Enterprise Development $102,334 

 Total USAID/East Africa $102,334 

Zambia Agreement Pending Enterprise Development $443,000 

Cooperative League of the United States Enterprise Development $847,000 

Cooperative League of the United States Financial Services/

Microfinance

$120,000 

 Total Zambia $1,410,000 

 

 Total Sub-Saharan Africa Bureau $44,088,986 

CENTRAL FUNDING

Office of 

Democracy and 

Governance

Academy for Educational Development Enterprise Development $3,000,000 

 Total - Office of Democracy and 

Governance $3,000,000 

Office of Private 

Voluntary 

Cooperation

ACDI/VOCA Enterprise Development $350,300 

Cooperative Housing Foundation Enterprise Development $303,180 

National Cooperative Business 

Association/Communications 

Cooperative International

Enterprise Development $58,713 

National Cooperative Business 

Association

Enterprise Development $87,500 
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 25 

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

The Americas Association of 

Cooperative/Mutual Insurance Societies

Enterprise Development $664,864 

The Americas Association of 

Cooperative/Mutual Insurance Societies

Policy for Financial 

Services/Microfinance

$45,000 

World Council of Credit Unions, Inc. Enterprise Development $369,520 

World Council of Credit Unions, Inc. Financial Services/

Microfinance

$155,806 

World Council of Credit Unions, Inc. Policy for Financial 

Services/Microfinance

$23,049 

 Total - Office of Private Voluntary 

Cooperation $2,057,932 

Office of 

Microenterprise 

Development

Academy for Educational Development Enterprise Development $328,158 

Academy for Educational Development Financial Services/

Microfinance

$684,837 

ACDI/VOCA Enterprise Development $1,167,000 

ACDI/VOCA Policy for Enterprise Development $110,000 

Aga Khan Foundation Financial Services/

Microfinance

$580,961 

Center for Institutional Reform and the 

Informal Sector

Financial Services/

Microfinance

$150,000 

Center for Institutional Reform and the 

Informal Sector

Policy for Enterprise Development $20,000 

Center for Institutional Reform and the 

Informal Sector

Policy for Financial 

Services/Microfinance

$34,965 

Consultative Group to Assist the Poor Policy for Financial 

Services/Microfinance

$100,000 

Habitat For Humanity International Financial Services/

Microfinance

$899,922 

Institute for Liberty and Democracy Policy for Enterprise Development $5,000,000 

Microenterprise Support Enterprise Development $1,076,814 

Microenterprise Support Financial Services/

Microfinance

$653,780 

Microenterprise Support Policy for Enterprise Development $134,602 

Microenterprise Support Policy for Financial 

Services/Microfinance

$57,686 

Opportunity International Financial Services/

Microfinance

$697,036 

The QED Group, LLC Enterprise Development $250,000 

The QED Group, LLC Financial Services/

Microfinance

$2,075,000 

The QED Group, LLC Policy for Enterprise Development $583,000 

The QED Group, LLC Policy for Financial 

Services/Microfinance

$2,812,398 
26 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

MISSION OR 

OFFICE IMPLEMENTING PARTNER TECHNICAL AREA OBLIGATION AMOUNT

 Total - Office of Microenterprise 

Development $17,416,159 

Office of Natural 

Resources 

Management

Associates in Rural Development Policy for Enterprise Development $250,000 

Wildlife Conservation Society Enterprise Development $150,000 

 Total - Office of Natural Resources 

Management $400,000 

Office of 

HIV/AIDS

Camfed Financial Services/

Microfinance

$15,000 

CARE Financial Services/

Microfinance

$47,920 

Christian Reformed World Relief Financial Services/

Microfinance

$1,425 

Family Health International Financial Services/

Microfinance

$11,800 

Francois Xavier Bagnoud Financial Services/

Microfinance

$151,200 

GOAL Financial Services/

Microfinance

$19,606 

Kindernothilfe Financial Services/

Microfinance

$36,950 

Opportunity International Financial Services/

Microfinance

$322,846 

 Total - Office of HIV/AIDS $606,747 

Office of 

Population and 

Reproductive 

Health

Abt Associates, Inc. (Formerly IBM) Financial Services/

Microfinance

$625,041 

 Total - Office of Population and 

Reproductive Health $625,041 

 

 Total - Central Funding $24,105,879 

 TOTAL FY09 FUNDING $266,995,259 
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 27 

ANNEX B: FY 2009 FUNDING BY USAID 

BUREAU

Annex B was generated from the MRR database with data current as of June 2010. 

MRR is a live system that can be updated by Missions at any time. 
28 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

Annex B: FY 2009 MICROENTERPRISE FUNDING BY USAID BUREAU

MISSION OR 

OFFICE

ENTERPRISE 

DEVELOPMENT 

FINANCIAL 

SERVICES/ 

MICROFINANCE 

NOT 

SPECIFIED

POLICY FOR 

ENTERPRISE 

DEVELOPMENT 

POLICY FOR 

FINANCIAL 

SERVICES/ 

MF

TOTAL 

OBLIGATION 

AMOUNT

ASIA BUREAU

Afghanistan $12,967,938 $11,374,197 $24,342,135

Bangladesh $128,901 $2,871,099 $3,000,000

Cambodia $4,512,546 $700,000 $5,212,546

East Timor $850,000 $150,000 $1,000,000

Indonesia $1,140,000 $832,500 $1,972,500

Kazakhstan $731,403 $257,000 $988,403

Kyrgyzstan $116,483 $576,203 $91,656 $784,342

Mongolia $400,000 $400,000

Pakistan $6,000,000 $450,000 $6,450,000

Philippines $1,727,045 $1,727,045

RDM/A $120,000 $120,000

Sri Lanka $250,000 $250,000

Tajikistan $657,000 $83,545 $740,545

Uzbekistan $1,502,950 $1,502,950

Total Asia $28,977,221 $14,127,445 $2,871,099 $1,682,201 $832,500 $48,490,466

EUROPE & EURASIA BUREAU

Albania $1,500,000 $1,500,000

Armenia $750,000 $750,000 $1,500,000

Azerbaijan $200,000 $50,000 $250,000

Belarus $20,900 $302,000 $322,900

Bosnia $2,900,000 $2,900,000

Europe and 

Eurasia Bureau $55,000 $55,000

Georgia $996,428 $996,428

Kosovo $750,000 $750,000

Macedonia $750,000 $750,000

Moldova $170,000 $600,000 $770,000

Russia $1,400,000 $1,400,000

Serbia $2,925,000 $2,925,000

Ukraine $608,821 $849,868 $210,642 $1,669,331

Total Europe 

& Eurasia $13,026,149 $1,599,868 $0 $952,000 $210,642 $15,788,659

LATIN AMERICA & CARIBBEAN BUREAU

Bolivia $3,000,000 $3,000,000

Brazil $260,000 $260,000

Colombia $68,617,101 $1,300,000 $200,000 $70,117,101
MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 29 

MISSION OR 

OFFICE

ENTERPRISE 

DEVELOPMENT 

FINANCIAL 

SERVICES/ 

MICROFINANCE 

NOT 

SPECIFIED

POLICY FOR 

ENTERPRISE 

DEVELOPMENT 

POLICY FOR 

FINANCIAL 

SERVICES/ 

MF

TOTAL 

OBLIGATION 

AMOUNT

CRP $1,248,100 $100,000 $100,000 $1,448,100

Ecuador $1,652,000 $1,652,000

El Salvador $1,082,000 $1,082,000

Guatemala $637,869 $46,931 $684,800

Guyana $200,000 $140,000 $340,000

Haiti $7,500,000 $7,500,000

Jamaica $800,000 $800,000

Mexico $135,000 $135,000

Nicaragua $1,431,000 $1,431,000

Panama $372,427 $372,427

Paraguay $250,000 $1,000,000 $1,250,000

Peru $5,000,000 $5,000,000

Total Latin 

America & 

Caribbean $83,468,497 $9,846,931 $0 $240,000 $1,517,000 $95,072,428

MIDDLE EAST BUREAU

Egypt $839,086 $839,086

Iraq $22,050,000 $22,050,000

Jordan $3,000,000 $3,000,000

Lebanon $1,609,755 $1,609,755

West Bank 

/Gaza $2,000,000 $9,950,000 $11,950,000

Total Middle 

East $2,000,000 $37,448,841 $0 $0 $0 $39,448,841

SUB-SAHARAN AFRICA BUREAU

Angola $420,000 $600,000 $1,020,000

DR Congo $1,383,979 $658,444 $2,042,423

Ethiopia $3,500,000 $3,500,000

Ghana $2,549,396 $2,549,396

Kenya $1,800,000 $3,350,000 $5,150,000

Liberia $2,820,000 $2,820,000

Malawi $11,478,189 $11,478,189

Mali $800,000 $800,000

Mozambique $1,250,000 $250,000 $1,500,000

Namibia $1,232,735 $1,232,735

Nigeria $858,552 $978,909 $166,448 $2,003,909

Rwanda $1,500,000 $1,500,000

Senegal $1,600,000 $1,600,000
30 MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009

MISSION OR 

OFFICE

ENTERPRISE 

DEVELOPMENT 

FINANCIAL 

SERVICES/ 

MICROFINANCE 

NOT 

SPECIFIED

POLICY FOR 

ENTERPRISE 

DEVELOPMENT 

POLICY FOR 

FINANCIAL 

SERVICES/ 

MF

TOTAL 

OBLIGATION 

AMOUNT

Sierra Leone $100,000 $100,000

South Africa $500,000 $500,000

Sudan $1,000,000 $1,250,000 $2,250,000

Tanzania $1,000,000 $1,000,000

Uganda $30,000 $1,500,000 $1,530,000

USAID/East 

Africa $102,334 $102,334

Zambia $1,290,000 $120,000 $1,410,000

Total SubSaharan 

Africa $30,382,450 $12,040,088 $0 $416,448 $1,250,000 $44,088,986

CENTRAL FUNDING

Democracy and 

Governance $3,000,000 $3,000,000

Private 

Voluntary 

Cooperation $1,834,077 $155,806 $68,049 $2,057,932

Microenterprise 

Development $2,821,972 $5,741,536 $5,847,602 $3,005,049 $17,416,159

Natural 

Resources 

Management $150,000 $250,000 $400,000

Office of 

HIV/AIDS $606,747 $606,747

Population and 

Reproductive 

Health $625,041 $625,041

Total Central 

Funding $7,806,049 $7,129,130 $0 $6,097,602 $3,073,098 $24,105,879

TOTAL 

FUNDING $165,660,366 $82,192,303 $2,871,099 $9,388,251 $6,883,240 $266,995,259

MICROENTERPRISE RESULTS REPORTING: ANNUAL REPORT TO CONGRESS FISCAL YEAR 2009 32

U.S. Agency for International Development

1300 Pennsylvania Avenue, NW

Washington, DC 20523

Tel: (202) 712-0000

Fax: (202) 216-3524

www.usaid.gov