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agencies claimed agencies interviewed AGENCY INFORMATION SHEET areas Bangladesh BASELINE Baseline Survey Cernea Chogoria Church client cost efficient costs per beneficiary credit programmes development agencies development programmes discussed districts of Kenya DLO NATIONAL DONGO Donor Local Organisations employees focused Fowler funding GEOGRAPHICAL COVERAGE giving financial details GONGO Grameen Bank Havers impact income institutional internal Kenya Kenyan Shilling Kibera KREP KSH per beneficiary Landim literature Microenterprise MISSION STATEMENT motivation Nairobi NGO's NGQs non-governmental organisations operational self-sufficiency poor poverty PROGRAMME DESIGN programme management projects PUBLIC SERVICE CONTRACTOR PURPOSE STATEMENT REGIONAL REGIONAL X Remenyi sample sector SED agency SED programmes small business small enterprise development small scale enterprise SSE PROGRAMME staff strategies suggest that NGOs survey TARGET GROUP PARTICIPATION TOTAL RESP TOTAL RESPONSES TOTAL TOTAL values Voluntary Organisations World Bank World Vision