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achieve action learning adequate allocation Assess beneﬁciaries beneﬁted budget Chitipa clients community level Concluding Answer coordinate DDF guidelines DDF projects DDF sub-projects DDPs decentralization deposit accounts disbursement district and community district assembly staff district level donors effective efﬁcient empowered End of Project ensure equipment evaluation team found evaluation team observed extent ﬁnance ﬁnancial management ﬁndings FlNCA formulation and implementation fumiture govemment identiﬁed impact improved indicated interest rates involved Lake Malawi Lilongwe loans Malawi MEPD MFls operations microﬁnance component monitoring and evaluation MPRSP Mulanje Mwanza Narrative Evaluation Findings needs Neno NGOs ofﬁcers Phalombe planning poverty monitoring system poverty reduction interventions Poverty Reduction Project problems procedures procurement proﬁles project activities project formulation project implementation project management component PRP districts PRP project reﬂecting relevant Salima satisﬁed school blocks sector SEPs seven districts speciﬁc stakeholders Summarized Evaluation Findings supervision sustainable TORs VDCs