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  <citation>
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      <prodDate date="2026-08-20">2026-08-20</prodDate>
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  <citation>
    <titlStmt>
      <titl>Survey of Employers and Self-Employed 2023</titl>
      <subTitl/>
      <altTitl>SESE 2023</altTitl>
      <parTitl/>
      <IDNo>zaf-statssa-sese-2023-v1</IDNo>
    </titlStmt>
    <rspStmt>
      <AuthEnty affiliation="Government of South Africa">Statistics South Africa</AuthEnty>
    </rspStmt>
    <prodStmt>
      <copyright/>
      <software version="beta" date="2026-09-01">MetadataEditor</software>
      <prodDate>2026-08-18</prodDate>
      <prodPlac>Pretoria</prodPlac>
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    <distStmt>
      <contact affiliation="University of Cape Town" URI="http://support.data1st.org/" email="support@data1st.org">DataFirst Helpdesk</contact>
      <depDate date=""/>
      <distDate date=""/>
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    <serStmt>
      <serName>Survey of Employers and Self-Employed</serName>
      <serInfo><![CDATA[]]></serInfo>
    </serStmt>
    <verStmt>
      <version date="2026-08-20">v1: Edited, anonymised data for public distribution</version>
      <verResp/>
      <notes><![CDATA[Version 1 of the data was downloaded from StatsSA's website on  2026-08-13. The current data has variable and value labels added by DataFirst.]]></notes>
    </verStmt>
    <biblCit format="DataCite"><![CDATA[Statistics South Africa. Survey of Employers and Self-Employed 2023 [dataset]. Version 1. Pretoria: Statistics South Africa [producer], 2026. Cape Town: DataFirst [distributor], 2026. DOI: https://doi.org/10.25828/0nrs-fs10]]></biblCit>
    <notes><![CDATA[]]></notes>
  </citation>
  <studyAuthorization date="1999">
    <authorizingAgency affiliation="Government of South Africa" abbr="">Parliament of South Africa</authorizingAgency>
    <authorizationStatement><![CDATA[Data collection by South African government departments is authorised by the Statistics Act of 1999 and the Statistics Amendment Act of 2024]]></authorizationStatement>
  </studyAuthorization>
  <stdyInfo>
    <studyBudget><![CDATA[]]></studyBudget>
    <subject>
                  
                  
    </subject>
    <abstract><![CDATA[The SESE survey aims to provide information about the characteristics of businesses in the informal sector in South Africa, and provides an understanding of their operation and access to information and services. The information is gathered in surveys with household respondents that identify as being self-employed in the QLFS for the third quarter of the corresponding year.
The main objectives of the SESE are:
- To determine the contribution made by businesses not registered for VAT towards economic growth.
- To collect reliable data about people running businesses not registered for VAT.
- To identify the non-income tax paying and income tax paying businesses within the non-VAT paying businesses.
- To produce comprehensive statistical information about informal sector businesses, at national and provincial levels.]]></abstract>
    <sumDscr>
      <collDate date="2023-09" event="start" cycle=""/>
      <collDate date="2023-12" event="end" cycle=""/>
      <nation abbr="zaf">South Africa</nation>
      <geogCover>The survey has national coverage.</geogCover>
      <geogCoverNote/>
      <geogUnit>The lowest level of geographic aggregation covered by the data is province and metropolitan municipality.</geogUnit>
      <geoBndBox>
        <westBL>14.062712</westBL>
        <eastBL>33.090851</eastBL>
        <southBL>-35.101934</southBL>
        <northBL>-22.105999</northBL>
      </geoBndBox>
      <anlyUnit><![CDATA[Individuals, households and establishments.]]></anlyUnit>
      <universe><![CDATA[The survey covered non-VAT registered businesses in South Africa.]]></universe>
      <dataKind>Sample survey data</dataKind>
    </sumDscr>
    <qualityStatement>
      <standardsCompliance>
        <complianceDescription/>
      </standardsCompliance>
      <otherQualityStatement/>
    </qualityStatement>
    <notes><![CDATA[2023 data collection for the QLFS occurred in September during the middle two weeks of the month throughout the quarter, while SESE data collection was undertaken in the last week of the month, also throughout the quarter. ]]></notes>
    <exPostEvaluation completionDate="" type="">
      <evaluationProcess/>
      <outcomes/>
    </exPostEvaluation>
  </stdyInfo>
  <method>
    <dataColl>
      <timeMeth>Cross-section [cross section]</timeMeth>
      <dataCollector abbr="" role="" affiliation="Government of South Africa">Statistics South Africa</dataCollector>
      <frequenc/>
      <sampProc><![CDATA[Currently, there is no sampling frame on which to base weights and raising factors for unregistered businesses in South Africa. Therefore, SESE is based on a household survey, consisting of two stages. The first stage involved identifying individuals who are running businesses based on the Quarterly Labour Force Survey (QLFS). The second stage involved a follow-up, when the owners of these businesses were interviewed, to determine the nature of their businesses. For each SESE survey, the criterion for inclusion depends on whether or not the business is registered for Value Added Tax (VAT). Only persons who had businesses which were not registered for VAT were included. This methodology was used from 2009 to 2023.]]></sampProc>
      <sampleFrame>
        <sampleFrameName/>
        <custodian/>
        <universe/>
        <frameUnit isPrimary="">
          <unitType numberOfUnits=""/>
        </frameUnit>
        <updateProcedure/>
      </sampleFrame>
      <deviat/>
      <collMode>Face-to-face computer-assisted interviews [CAPI]</collMode>
      <resInstru><![CDATA[The SESE questionnaire covered background data on the small business (from questions 4 to 16 of the questionnaire) , its site of operation (questions 17 to 25), its business management, operations and finances (questions 26 to 43). Data is also collected on business expenditure and turnover (questions 44 to 52), people employed and labour costs (questions 53 to 60), expenditure on fuels, materials and services (question 61), business capital (questions 62 to 67) and transport (questions 68 to 70).]]></resInstru>
      <instrumentDevelopment type=""/>
      <collSitu><![CDATA[A sample for the SESE 2023 was obtained from individuals interviewed in the Quarterly Labour Force survey (3rd quarter QLFS, July–September 2017). The screening process involved identifying those persons operating businesses not registered for VAT. The QLFS was conducted in the middle two weeks of the month throughout the quarter. SESE households were re-visited in the last week of a month, throughout the quarter.]]></collSitu>
      <actMin><![CDATA[]]></actMin>
      <ConOps><![CDATA[]]></ConOps>
      <weight><![CDATA[For information on weights refer to the release provided with the data.]]></weight>
      <cleanOps><![CDATA[]]></cleanOps>
    </dataColl>
    <notes><![CDATA[]]></notes>
    <anlyInfo>
      <respRate><![CDATA[]]></respRate>
      <EstSmpErr><![CDATA[]]></EstSmpErr>
      <dataAppr><![CDATA[The 2001 and 2005 datasets only covered those aged 15-64 years, while in 2009, 2013, 2017, and 2023, all persons aged 15 years and above were included. Additionally, there are inconsistencies between 2023 and 2017 in the section of Q61, on monthly expenditure items. The medians in 2023 are significantly lower than reported in 2017. Some records carry a positive wage bill against zero workers. Unpaid worker totals do not add up.]]></dataAppr>
    </anlyInfo>
    <stdyClas><![CDATA[]]></stdyClas>
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      <origArch/>
      <avlStatus/>
      <collSize/>
      <complete/>
      <fileQnty/>
      <notes><![CDATA[]]></notes>
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      <restrctn/>
      <contact affiliation="University of Cape Town" URI="http://www.support.data1st.org" email="support@data1st.org">DataFirst</contact>
      <citReq><![CDATA[Statistics South Africa. Survey of Employers and Self-Employed 2023 [dataset]. Version 1. Pretoria: Statistics South Africa [producer], 2026. Cape Town: DataFirst [distributor], 2026. DOI: https://doi.org/10.25828/0nrs-fs10]]></citReq>
      <deposReq><![CDATA[]]></deposReq>
      <conditions><![CDATA[Creative Commons Attribution only CC-BY licence.]]></conditions>
      <disclaimer><![CDATA[]]></disclaimer>
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    <notes><![CDATA[]]></notes>
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  <notes><![CDATA[]]></notes>
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  <fileTxt>
    <fileName>sese-2023-v1</fileName>
    <fileCont></fileCont>
    <dimensns>
      <caseQnty>1583</caseQnty>
      <varQnty>201</varQnty>
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    <dataChck></dataChck>
    <dataMsng></dataMsng>
    <verStmt>
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  <notes></notes>
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<var ID="V1" name="UQNO" files="F1" intrvl="contin">
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  <labl>Unique Number</labl>
  <sumStat type="vald">1583</sumStat>
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<var ID="V2" name="PERSONNO" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Person Number</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min">1</sumStat>
  <sumStat type="max">14</sumStat>
  <sumStat type="mean">1.5217940619078</sumStat>
  <sumStat type="stdev">1.0147453034568</sumStat>
</var>
<var ID="V3" name="BUSNSNO" files="F1" intrvl="contin">
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  <labl>Business number</labl>
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  <sumStat type="min">1</sumStat>
  <sumStat type="max">3</sumStat>
  <sumStat type="mean">1.0170562223626</sumStat>
  <sumStat type="stdev">0.13431354244482</sumStat>
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<var ID="V4" name="Province" files="F1" intrvl="discrete">
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  <labl>Province</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">336</sumStat>
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    <catValu>1</catValu>
    <labl>Western Cape</labl>
    <catStat type="vald"/>
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    <catValu>2</catValu>
    <labl>Eastern Cape</labl>
    <catStat type="freq"/>
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  <catgry>
    <catValu>3</catValu>
    <labl>Northern Cape</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Free State</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>KwaZulu-Natal</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>North West</labl>
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  <catgry>
    <catValu>7</catValu>
    <labl>Gauteng</labl>
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  <catgry>
    <catValu>8</catValu>
    <labl>Mpumalanga</labl>
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  <catgry>
    <catValu>9</catValu>
    <labl>Limpopo</labl>
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<var ID="V5" name="Q13GENDER" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Gender</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">827</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Male</labl>
    <catStat type="vald"/>
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  <catgry>
    <catValu>2</catValu>
    <labl>Female</labl>
    <catStat type="freq"/>
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</var>
<var ID="V6" name="Q14AGE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Age</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min">16</sumStat>
  <sumStat type="max">86</sumStat>
  <sumStat type="mean">43.699305116867</sumStat>
  <sumStat type="stdev">12.509133685424</sumStat>
</var>
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  <varFormat type="character"/>
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  <labl>Population group</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1439</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>African/Black</labl>
    <catStat type="vald"/>
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  <catgry>
    <catValu>2</catValu>
    <labl>Coloured</labl>
    <catStat type="freq"/>
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  <catgry>
    <catValu>3</catValu>
    <labl>Indian/Asian</labl>
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  <catgry>
    <catValu>4</catValu>
    <labl>White</labl>
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</var>
<var ID="V8" name="Q16MARITALSTATUS" files="F1" intrvl="discrete">
  <varFormat type="character"/>
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  <labl>Marital status</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">742</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Married</labl>
    <catStat type="vald"/>
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    <catValu>2</catValu>
    <labl>Living together like husband and wife</labl>
    <catStat type="freq"/>
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  <catgry>
    <catValu>3</catValu>
    <labl>Widow/Widower</labl>
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  <catgry>
    <catValu>4</catValu>
    <labl>Divorced or separated</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Never married</labl>
  </catgry>
</var>
<var ID="V9" name="Q17EDUCATION" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Highest education level</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">392</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Grade 1/Sub A</labl>
    <catStat type="vald"/>
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  <catgry>
    <catValu>2</catValu>
    <labl>Grade 2/Sub B</labl>
    <catStat type="freq"/>
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  <catgry>
    <catValu>3</catValu>
    <labl>Grade 3/Standard 1/ABET 1 (Kha ri gude, SANLI)</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Grade 4/Standard 2</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Grade 5/Standard 3/ABET 2</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Grade 6/Standard 4</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>Grade 7/Standard 5/ABET 3</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>Grade 8/Standard 6/Form 1</labl>
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  <catgry>
    <catValu>9</catValu>
    <labl>Grade 9/Standard 7/Form 2/ABET 4</labl>
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  <catgry>
    <catValu>10</catValu>
    <labl>Grade 10/Standard 8/Form 3</labl>
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  <catgry>
    <catValu>11</catValu>
    <labl>Grade 11/Standard 9/Form 4</labl>
  </catgry>
  <catgry>
    <catValu>12</catValu>
    <labl>Grade 12/Standard 10/Form 5/Matric (No exemption)</labl>
  </catgry>
  <catgry>
    <catValu>13</catValu>
    <labl>Grade 12/Standard 10/Form 5/Matric (Exemption/Bachelor's pass)</labl>
  </catgry>
  <catgry>
    <catValu>14</catValu>
    <labl>NTC I/N1/NIC/(v) Level 2</labl>
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  <catgry>
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    <labl>NTC II/N2/NIC/(v) Level 3</labl>
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  <catgry>
    <catValu>16</catValu>
    <labl>NTC III/N3/NIC/(v) Level 4</labl>
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  <catgry>
    <catValu>17</catValu>
    <labl>N4/NTC 4</labl>
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  <catgry>
    <catValu>18</catValu>
    <labl>N5/NTC 5</labl>
  </catgry>
  <catgry>
    <catValu>19</catValu>
    <labl>N6/NTC 6</labl>
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  <catgry>
    <catValu>20</catValu>
    <labl>Certificate with less than Grade 12/Std 10</labl>
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  <catgry>
    <catValu>21</catValu>
    <labl>Diploma with less than Grade 12/Std 10</labl>
  </catgry>
  <catgry>
    <catValu>22</catValu>
    <labl>Certificate with Grade 12/Std 10</labl>
  </catgry>
  <catgry>
    <catValu>23</catValu>
    <labl>Diploma with Grade 12/Std 10</labl>
  </catgry>
  <catgry>
    <catValu>24</catValu>
    <labl>Higher diploma</labl>
  </catgry>
  <catgry>
    <catValu>25</catValu>
    <labl>Post higher diploma (master's, doctoral diploma)</labl>
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  <catgry>
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    <labl>Bachelor's degree</labl>
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  <catgry>
    <catValu>27</catValu>
    <labl>Bachelor's degree and postgraduate diploma</labl>
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  <catgry>
    <catValu>28</catValu>
    <labl>Honours degree</labl>
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  <catgry>
    <catValu>29</catValu>
    <labl>Higher degree (master's/PhD)</labl>
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    <catValu>30</catValu>
    <labl>Other</labl>
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  <catgry>
    <catValu>31</catValu>
    <labl>Do not know</labl>
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  <catgry>
    <catValu>98</catValu>
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<var ID="V10" name="Q4VAT" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Registered for VAT</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1583</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
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    <labl>No</labl>
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<var ID="V11" name="Q5INCOMETAX" files="F1" intrvl="discrete">
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    <labl>Yes</labl>
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</var>
<var ID="V12" name="Q6LICENCE" files="F1" intrvl="discrete">
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  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1424</sumStat>
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    <labl>Yes</labl>
    <catStat type="vald"/>
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    <catStat type="freq"/>
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<var ID="V13" name="Q71MUNICIPALITY" files="F1" intrvl="discrete">
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  <sumStat type="freq">80</sumStat>
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    <catValu>1</catValu>
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<var ID="V14" name="Q72PROFASSOCIATION" files="F1" intrvl="discrete">
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  <sumStat type="freq">128</sumStat>
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    <labl>Yes</labl>
    <catStat type="vald"/>
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<var ID="V15" name="Q73BUSASSOCIATION" files="F1" intrvl="discrete">
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    <labl>Yes</labl>
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<var ID="V16" name="Q74TRADLEADER" files="F1" intrvl="discrete">
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    <labl>Yes</labl>
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    <labl>No</labl>
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<var ID="V17" name="Q75PROTCAGENCY" files="F1" intrvl="discrete">
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    <labl>Yes</labl>
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</var>
<var ID="V18" name="Q76FRIEND" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>License: Friend/relative</labl>
  <sumStat type="vald">159</sumStat>
  <sumStat type="freq">157</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V19" name="Q77CIPS" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>License:CIPC/CIPRO</labl>
  <sumStat type="vald">159</sumStat>
  <sumStat type="freq">134</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V20" name="Q78OTHER" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Other(License)</labl>
  <sumStat type="vald">159</sumStat>
  <sumStat type="freq">146</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V21" name="Q79LANDLORD" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>License: LANDLORD</labl>
  <sumStat type="vald">159</sumStat>
  <sumStat type="freq">155</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V22" name="Q8OWNERTYPE" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Ownership type</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1363</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Own-account worker (without employees)</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Employer (with employees)</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V23" name="Q10BINDUSCODE" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Industry</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">631</sumStat>
  <catgry>
    <catValu>111</catValu>
    <labl>Growing of crops; market gardening; horticulture</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>112</catValu>
    <labl>Farming of animals</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>113</catValu>
    <labl>Growing of crops combined with farming of animals (mixed farming)</labl>
  </catgry>
  <catgry>
    <catValu>121</catValu>
    <labl>Forestry and related services</labl>
  </catgry>
  <catgry>
    <catValu>130</catValu>
    <labl>Fishing, operation of fish hatcheries and fish farms</labl>
  </catgry>
  <catgry>
    <catValu>131</catValu>
    <labl>Ocean and coastal fishing</labl>
  </catgry>
  <catgry>
    <catValu>132</catValu>
    <labl>Fish hatcheries and fish farms</labl>
  </catgry>
  <catgry>
    <catValu>303</catValu>
    <labl>Manufacture of grain mill products, starches and starch products and prepared animal feeds</labl>
  </catgry>
  <catgry>
    <catValu>304</catValu>
    <labl>Manufacture of other food products</labl>
  </catgry>
  <catgry>
    <catValu>305</catValu>
    <labl>Manufacture of beverages</labl>
  </catgry>
  <catgry>
    <catValu>312</catValu>
    <labl>Manufacture of other textiles</labl>
  </catgry>
  <catgry>
    <catValu>313</catValu>
    <labl>Manufacture of knitted and crocheted fabrics and articles</labl>
  </catgry>
  <catgry>
    <catValu>314</catValu>
    <labl>Manufacture of wearing apparel, except fur apparel</labl>
  </catgry>
  <catgry>
    <catValu>322</catValu>
    <labl>Manufacture of products of wood, cork, straw and plaiting materials</labl>
  </catgry>
  <catgry>
    <catValu>324</catValu>
    <labl>Publishing</labl>
  </catgry>
  <catgry>
    <catValu>325</catValu>
    <labl>Printing and service activities related to printing</labl>
  </catgry>
  <catgry>
    <catValu>335</catValu>
    <labl>Manufacture of other chemical products</labl>
  </catgry>
  <catgry>
    <catValu>342</catValu>
    <labl>Manufacture of non-metallic mineral products n.e.c.</labl>
  </catgry>
  <catgry>
    <catValu>351</catValu>
    <labl>Manufacture of basic iron and steel</labl>
  </catgry>
  <catgry>
    <catValu>354</catValu>
    <labl>Manufacture of structural metal products, tanks, reservoirs and steam generators</labl>
  </catgry>
  <catgry>
    <catValu>355</catValu>
    <labl>Manufacture of other fabricated metal products; metalwork service activities</labl>
  </catgry>
  <catgry>
    <catValu>392</catValu>
    <labl>Manufacture n.e.c.</labl>
  </catgry>
  <catgry>
    <catValu>395</catValu>
    <labl>Recycling n.e.c.</labl>
  </catgry>
  <catgry>
    <catValu>501</catValu>
    <labl>Site preparation</labl>
  </catgry>
  <catgry>
    <catValu>502</catValu>
    <labl>Building of complete constructions or parts thereof; civil engineering</labl>
  </catgry>
  <catgry>
    <catValu>503</catValu>
    <labl>Building installation</labl>
  </catgry>
  <catgry>
    <catValu>504</catValu>
    <labl>Building completion</labl>
  </catgry>
  <catgry>
    <catValu>614</catValu>
    <labl>Wholesale trade in non-agricultural intermediate products, waste and scrap</labl>
  </catgry>
  <catgry>
    <catValu>621</catValu>
    <labl>Non- specialised retail trade in stores</labl>
  </catgry>
  <catgry>
    <catValu>622</catValu>
    <labl>Retail trade in food, beverages and tobacco in specialised stores</labl>
  </catgry>
  <catgry>
    <catValu>623</catValu>
    <labl>Other retail trade in new goods in specialised stores</labl>
  </catgry>
  <catgry>
    <catValu>625</catValu>
    <labl>Retail trade not in stores</labl>
  </catgry>
  <catgry>
    <catValu>626</catValu>
    <labl>Repair of personal and household goods</labl>
  </catgry>
  <catgry>
    <catValu>632</catValu>
    <labl>Maintenance and repair of motor vehicles</labl>
  </catgry>
  <catgry>
    <catValu>633</catValu>
    <labl>Sale of motor vehicle parts and accessories</labl>
  </catgry>
  <catgry>
    <catValu>641</catValu>
    <labl>Hotels, camping sites and other provision of short-stay accommodation</labl>
  </catgry>
  <catgry>
    <catValu>642</catValu>
    <labl>Restaurants, bars and canteens</labl>
  </catgry>
  <catgry>
    <catValu>643</catValu>
    <labl>Shebeen</labl>
  </catgry>
  <catgry>
    <catValu>712</catValu>
    <labl>Other land transport</labl>
  </catgry>
  <catgry>
    <catValu>752</catValu>
    <labl>Telecommunications</labl>
  </catgry>
  <catgry>
    <catValu>818</catValu>
    <labl>Cash loans</labl>
  </catgry>
  <catgry>
    <catValu>819</catValu>
    <labl>Other financial intermediation n.e.c.</labl>
  </catgry>
  <catgry>
    <catValu>841</catValu>
    <labl>Real estate activities with own or leased property</labl>
  </catgry>
  <catgry>
    <catValu>842</catValu>
    <labl>Real estate activities on a fee or contract basis</labl>
  </catgry>
  <catgry>
    <catValu>851</catValu>
    <labl>Renting of transport equipment</labl>
  </catgry>
  <catgry>
    <catValu>852</catValu>
    <labl>Renting of other machinery and equipment</labl>
  </catgry>
  <catgry>
    <catValu>862</catValu>
    <labl>Software consultancy and supply</labl>
  </catgry>
  <catgry>
    <catValu>881</catValu>
    <labl>Legal, accounting, bookkeeping and auditing activities; tax consultancy; market research and public opinion research; business and management consultancy</labl>
  </catgry>
  <catgry>
    <catValu>882</catValu>
    <labl>Architectural, engineering and other technical activities</labl>
  </catgry>
  <catgry>
    <catValu>889</catValu>
    <labl>Business activities n.e.c.</labl>
  </catgry>
  <catgry>
    <catValu>920</catValu>
    <labl>Educational services</labl>
  </catgry>
  <catgry>
    <catValu>931</catValu>
    <labl>Human health activities</labl>
  </catgry>
  <catgry>
    <catValu>933</catValu>
    <labl>Social work activities</labl>
  </catgry>
  <catgry>
    <catValu>959</catValu>
    <labl>Activities of other membership organisations</labl>
  </catgry>
  <catgry>
    <catValu>962</catValu>
    <labl>News agency activities</labl>
  </catgry>
  <catgry>
    <catValu>964</catValu>
    <labl>Sporting and other recreational activities</labl>
  </catgry>
  <catgry>
    <catValu>990</catValu>
    <labl>Other service activities</labl>
  </catgry>
</var>
<var ID="V24" name="Q11OWNERSHIP" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Ownership</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1519</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V25" name="Q12HSEPARTNERS" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Multiple partners</labl>
  <sumStat type="vald">64</sumStat>
  <sumStat type="freq">32</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V26" name="Q13NOPARTNERS" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Partners in the household</labl>
  <sumStat type="vald">32</sumStat>
  <sumStat type="min">1</sumStat>
  <sumStat type="max">2</sumStat>
  <sumStat type="mean">1.625</sumStat>
  <sumStat type="stdev">0.49186937683796</sumStat>
</var>
<var ID="V27" name="Q14OTHRPARTNERS" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Other partners</labl>
  <sumStat type="vald">64</sumStat>
  <sumStat type="freq">49</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V28" name="Q15NOPARTNERS" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Partners in neighbourhood</labl>
  <sumStat type="vald">15</sumStat>
  <sumStat type="min">1</sumStat>
  <sumStat type="max">5</sumStat>
  <sumStat type="mean">1.9333333333333</sumStat>
  <sumStat type="stdev">1.387014608362</sumStat>
</var>
<var ID="V29" name="Q16MAINOWNER" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Main owner</labl>
  <sumStat type="vald">64</sumStat>
  <sumStat type="freq">30</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yourself</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Another family or household member</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Another person in the partnership or cooperative, not a household member</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>The ownership is equally shared between two or more owners</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V30" name="Q17LOCATION" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Location of the business</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">439</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Within the owner's dwelling/s - with its own space (e.g. a separate room)</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Within the owner's dwelling/s - without its own space (e.g. a family room)</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>In a structure attached to the owner's dwelling/s or on the same plot (e.g. a workshop in the backyard)</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Within another person's dwelling (e.g. a neighbour's dwelling)</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>In a non-residential building (e.g. an office block or factory)</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>From a taxi rank/bus station/train station</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>On a footpath, street or open space</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>At an open market with a permanent kiosk</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>No fixed location/mobile</labl>
  </catgry>
  <catgry>
    <catValu>10</catValu>
    <labl>At customers' homes or offices</labl>
  </catgry>
  <catgry>
    <catValu>11</catValu>
    <labl>Other</labl>
  </catgry>
  <catgry>
    <catValu>12</catValu>
    <labl>At an open market without a permanent kiosk</labl>
  </catgry>
</var>
<var ID="V31" name="Q18TEMPSTRUCTURE" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Location arrangement</labl>
  <sumStat type="vald">1217</sumStat>
  <sumStat type="freq">976</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Owned by yourself/part owner</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Rented</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Rent free, with permission (borrowed)</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Rent free, without permission (squatting)</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V32" name="Q19PAYLOCATION" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Pay for location</labl>
  <sumStat type="vald">1057</sumStat>
  <sumStat type="freq">905</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V33" name="Q19A1Municipality" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Pay: Municipality/Provincial authority</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">109</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V34" name="Q19A2Profassociation" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Pay: Professional association</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">142</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V35" name="Q19A3Busnsassociation" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Pay: Business association</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">138</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V36" name="Q19A4Traditionalleader" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Pay: Traditional leader</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">149</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V37" name="Q19A5Protectionagency" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Pay: Protection agency/ies</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">150</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V38" name="Q19A6Friend" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Pay: Friend/relative</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">145</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V39" name="Q19A7Owner" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Pay: Owner of the location/ landlord</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">97</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V40" name="Q19A8Other" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Other(Payment)</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">148</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V41" name="Q19BPAYLOCPROOF" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Proof of payment</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="freq">77</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V42" name="Q20COSTLOCATION" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Cost of location</labl>
  <sumStat type="vald">152</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">35000</sumStat>
  <sumStat type="mean">2274.1447368421</sumStat>
  <sumStat type="stdev">3912.4996996092</sumStat>
</var>
<var ID="V43" name="Q21ELECTRICITY" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Electricity availability</labl>
  <sumStat type="vald">1217</sumStat>
  <sumStat type="freq">858</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Not applicable</labl>
  </catgry>
</var>
<var ID="V44" name="Q22WATER" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Main sources of water</labl>
  <sumStat type="vald">1217</sumStat>
  <sumStat type="freq">401</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Piped (Tap) water in structure</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Piped (Tap) water on site</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Public tap/shared tap with others</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Borehole on site</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Borehole off site</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Rainwater tank on site</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>Flowing water/stream</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>Dam/Pool/Stagnant water</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>Well</labl>
  </catgry>
  <catgry>
    <catValu>10</catValu>
    <labl>Spring</labl>
  </catgry>
  <catgry>
    <catValu>11</catValu>
    <labl>Other</labl>
  </catgry>
  <catgry>
    <catValu>12</catValu>
    <labl>No water access</labl>
  </catgry>
  <catgry>
    <catValu>13</catValu>
    <labl>Not applicable</labl>
  </catgry>
</var>
<var ID="V45" name="Q23TOILETFACILITY" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Access to toilet facility</labl>
  <sumStat type="vald">1124</sumStat>
  <sumStat type="freq">527</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Flush toilet on site</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Flush toilet off site</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Chemical toilet</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Pit latrine with ventilation pipe</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Pit latrine without ventilation pipe</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Bucket toilet</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>None</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>Other</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>Not applicable</labl>
  </catgry>
</var>
<var ID="V46" name="Q24COMMUNICATION" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Means of communication</labl>
  <sumStat type="vald">1462</sumStat>
  <sumStat type="freq">1393</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Fixed telephone on site</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Fixed telephone not on site</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Cellular telephone</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>A public telephone</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Internet/ Email</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>None</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V47" name="Q25TYPRECORD" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Type of record</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1137</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Simple informal records of sales and/or expenditures</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Some accounts but not full (for example expenditures)</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Full annual accounts</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>No accounts kept</labl>
  </catgry>
</var>
<var ID="V48" name="Q26RECSEPERATE" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Record</labl>
  <sumStat type="vald">446</sumStat>
  <sumStat type="freq">249</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes, they are all recorded separately</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Some are recorded separately, some together</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>No, they are all recorded together</labl>
  </catgry>
</var>
<var ID="V49" name="Q27RSNRECNOTKEPT" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Reason for not keeping records</labl>
  <sumStat type="vald">1137</sumStat>
  <sumStat type="freq">530</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>No skills</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>The business is too small</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>No time to keep records</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Don't see a need to keep records</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V50" name="Q28DURATION" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Duration</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min">1</sumStat>
  <sumStat type="max">12</sumStat>
  <sumStat type="mean">10.040429564119</sumStat>
  <sumStat type="stdev">3.4014398405023</sumStat>
</var>
<var ID="V51" name="Q29TURNOVER12MNTH" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Turnover</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">800000</sumStat>
  <sumStat type="mean">40990.893789379</sumStat>
  <sumStat type="stdev">80990.008644596</sumStat>
</var>
<var ID="V52" name="Q29a12JUN" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>June</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">639</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V53" name="Q29a1JUL" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>July</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">638</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V54" name="Q29a2AUG" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>August</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">711</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V55" name="Q29a3SEP" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>September</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">731</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V56" name="Q29a4OCT" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>October</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">743</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V57" name="Q29a5NOV" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>November</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">635</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V58" name="Q29a6DEC" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>December</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">485</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V59" name="Q29a7JAN" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>January</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">494</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V60" name="Q29a8FEB" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>February</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">627</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V61" name="Q29a9MAR" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>March</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">726</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V62" name="Q29a10APR" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>April</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">716</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V63" name="Q29a11MAY" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>May</labl>
  <sumStat type="vald">1111</sumStat>
  <sumStat type="freq">714</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>High</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Normal</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Low</labl>
  </catgry>
</var>
<var ID="V64" name="Q30RSNLESS12MNTH" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Less than 12 months</labl>
  <sumStat type="vald">472</sumStat>
  <sumStat type="freq">188</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Seasonal factors</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Family reasons (e.g. Death of a family member, taking care if a sick family member)</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>No customers</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Sickness of yourself or staff</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Other personal reasons than sickness (pregnancy, etc)</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>Lack of raw materials</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>Lack of funds to buy supplies</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>No one to help during owner's absence</labl>
  </catgry>
  <catgry>
    <catValu>10</catValu>
    <labl>Business created during the past 12 months</labl>
  </catgry>
  <catgry>
    <catValu>11</catValu>
    <labl>Due to violence or criminal incident/s</labl>
  </catgry>
  <catgry>
    <catValu>12</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V65" name="Q31BUSSTARTED" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Business started</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">383</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Less than a year ago</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>1 or more but less than 3 years ago</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>3 or more but less than 5 years ago</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>5 or more but less than 10 years ago</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>10 or more years ago</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Can't remember/ Don't know</labl>
  </catgry>
</var>
<var ID="V66" name="Q32MAINREASON" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Main reason</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">729</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Inherited/family tradition</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Unemployed</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Had no alternative income source</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Retrenched</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Inadequate income from the other source</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>I like the activity</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>I have the skills for this business</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>I have equipment for this business</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>Activity brings high income</labl>
  </catgry>
  <catgry>
    <catValu>10</catValu>
    <labl>Small investment needed</labl>
  </catgry>
  <catgry>
    <catValu>11</catValu>
    <labl>Unhappiness with previous work</labl>
  </catgry>
  <catgry>
    <catValu>12</catValu>
    <labl>New opportunity/ Idea</labl>
  </catgry>
  <catgry>
    <catValu>13</catValu>
    <labl>Other</labl>
  </catgry>
  <catgry>
    <catValu>14</catValu>
    <labl>To survive/make ends meet/provide for my family</labl>
  </catgry>
  <catgry>
    <catValu>15</catValu>
    <labl>I want to be my own boss or create employment for other people</labl>
  </catgry>
  <catgry>
    <catValu>16</catValu>
    <labl>I want to earn money while I searched for a job</labl>
  </catgry>
</var>
<var ID="V67" name="Q33FINSUPPORT" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Find any support</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">989</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V68" name="Q34OWNMONEY" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Usage of own money</labl>
  <sumStat type="vald">989</sumStat>
  <sumStat type="freq">809</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V69" name="Q35MAINSOURCE" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Main source of money</labl>
  <sumStat type="vald">809</sumStat>
  <sumStat type="freq">341</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Previous and/or present wage employment</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Other business</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Sale of livestock/crops</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Sales of other assets</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Inheritance</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Pension from work</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>Retirement/severance pay</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>An investment policy that matured</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>Money paid out from a stokvel</labl>
  </catgry>
  <catgry>
    <catValu>10</catValu>
    <labl>Other savings</labl>
  </catgry>
  <catgry>
    <catValu>11</catValu>
    <labl>Old age grants</labl>
  </catgry>
  <catgry>
    <catValu>12</catValu>
    <labl>Other social grants (excl. old age grants)</labl>
  </catgry>
</var>
<var ID="V70" name="Q36TOTOWNMONEY" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Your total amount used</labl>
  <sumStat type="vald">809</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">600000</sumStat>
  <sumStat type="mean">12025.144622991</sumStat>
  <sumStat type="stdev">41480.41842664</sumStat>
</var>
<var ID="V71" name="Q37BORMONEY" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Borrowing of money</labl>
  <sumStat type="vald">989</sumStat>
  <sumStat type="freq">828</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V72" name="Q381COMBANKS" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans from commercial banks</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">147</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V73" name="Q382FRIENDS" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans from friends/relatives</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">131</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V74" name="Q383CRSOCIETY" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans from credit societies</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">159</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V75" name="Q384MNYLENDER" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans from moneylenders/mashonisas</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">148</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V76" name="Q385PARTNER" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans from business partners</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">155</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V77" name="Q386BUSNSASS" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans from business association</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">157</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V78" name="Q387NGO" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans from NGO/CBO</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">160</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V79" name="Q388OTHER" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans from others</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">153</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V80" name="Q389GOV" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Loans Governemnt agencies</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">156</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V81" name="Q39TOTBORMONEY" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Total amount borrowed</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">760000</sumStat>
  <sumStat type="mean">32302.98136646</sumStat>
  <sumStat type="stdev">101815.64396524</sumStat>
</var>
<var ID="V82" name="Q40PAYOFFLOAN" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Paying off money borrowed</labl>
  <sumStat type="vald">161</sumStat>
  <sumStat type="freq">137</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V83" name="Q41TOTPAYOFF" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Total amount paid</labl>
  <sumStat type="vald">24</sumStat>
  <sumStat type="min">100</sumStat>
  <sumStat type="max">25000</sumStat>
  <sumStat type="mean">4810.8333333333</sumStat>
  <sumStat type="stdev">7281.0145713634</sumStat>
</var>
<var ID="V84" name="Q42GRANT" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Obtain grant</labl>
  <sumStat type="vald">989</sumStat>
  <sumStat type="freq">959</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V85" name="Q431GOVERNMENT" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>From government</labl>
  <sumStat type="vald">30</sumStat>
  <sumStat type="freq">23</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V86" name="Q432NGO" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>From a non-governmental organisation/ CBO</labl>
  <sumStat type="vald">30</sumStat>
  <sumStat type="freq">30</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V87" name="Q433OTHR" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Other(grants)</labl>
  <sumStat type="vald">30</sumStat>
  <sumStat type="freq">19</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V88" name="Q434PRIVATE" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>From private enterprise</labl>
  <sumStat type="vald">30</sumStat>
  <sumStat type="freq">25</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V89" name="Q44RAWMATERIAL" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Usage of raw material</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1206</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V90" name="Q45COSTRAWMAT" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Costs</labl>
  <sumStat type="vald">377</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">60000</sumStat>
  <sumStat type="mean">2230.1538461538</sumStat>
  <sumStat type="stdev">5324.4062112938</sumStat>
</var>
<var ID="V91" name="Q46SUPPLIER" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Usage of any supplies</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">976</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V92" name="Q47COSTSUPP" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Costs</labl>
  <sumStat type="vald">607</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">120000</sumStat>
  <sumStat type="mean">2669.9456342669</sumStat>
  <sumStat type="stdev">7674.1663519049</sumStat>
</var>
<var ID="V93" name="Q48TURNOVERLSTMNTH" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Gross income from sales</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">400000</sumStat>
  <sumStat type="mean">5124.905874921</sumStat>
  <sumStat type="stdev">15226.659924022</sumStat>
</var>
<var ID="V94" name="Q49OTHRINCOME" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Income from other sources</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">100000</sumStat>
  <sumStat type="mean">455.35060012634</sumStat>
  <sumStat type="stdev">3672.3372561825</sumStat>
</var>
<var ID="V95" name="Q501ALTLOCATION" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Provision of an alternative site</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1169</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V96" name="Q502LOANS" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Better access to loans</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1215</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V97" name="Q503MARKETING" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Assistance with marketing</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1025</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V98" name="Q504MATERIAL" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Better access to raw materials/supplies</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1196</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V99" name="Q505GOVREGULATION" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Less strict government regulations</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1383</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V100" name="Q506TECHNOLOGY" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Access to modern technology</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1334</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V101" name="Q507CONTRACTS" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Forming contacts with others in similar businesses for cooperation</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1291</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V102" name="Q508OTHER" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Other</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1449</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V103" name="Q51ASSISTANCE" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Most business assistant</labl>
  <sumStat type="vald">684</sumStat>
  <sumStat type="freq">138</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Provision of an alternative site</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Better access to loans</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Assistance with marketing</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Better access to raw materials/supplies</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Less strict government regulations</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Access to modern technology</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>Forming contacts with others in similar businesses for cooperation</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V104" name="Q52ADVICE" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Where advice to run a business was obtained</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1025</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>The institution that provided funding to start the business</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Business partners</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Financial advisor</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Friends and relatives</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>No advice received</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V105" name="Q53EMPLOYER" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Business employ any people</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1363</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V106" name="Q541PDLSTYEAR" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid at this time last year</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">13</sumStat>
  <sumStat type="mean">1.7681818181818</sumStat>
  <sumStat type="stdev">1.8983016595198</sumStat>
</var>
<var ID="V107" name="Q541UNPDLSTYEAR" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid at this time last year</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">4</sumStat>
  <sumStat type="mean">0.32272727272727</sumStat>
  <sumStat type="stdev">0.74049953408722</sumStat>
</var>
<var ID="V108" name="Q542PDLSTMNTH" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid during the last month of the year</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">60</sumStat>
  <sumStat type="mean">1.9454545454545</sumStat>
  <sumStat type="stdev">4.2765931126181</sumStat>
</var>
<var ID="V109" name="Q542UNPDLSTMNTH" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid during the last month of the year</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">5</sumStat>
  <sumStat type="mean">0.33636363636364</sumStat>
  <sumStat type="stdev">0.71866533738925</sumStat>
</var>
<var ID="V110" name="Q543PDLSTWEEK" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid during the last week</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">14</sumStat>
  <sumStat type="mean">1.6636363636364</sumStat>
  <sumStat type="stdev">1.6205150132784</sumStat>
</var>
<var ID="V111" name="Q543UNPDLSTWEEK" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid during the last week</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">13</sumStat>
  <sumStat type="mean">0.36818181818182</sumStat>
  <sumStat type="stdev">1.0709473310902</sumStat>
</var>
<var ID="V112" name="Q544PDFSTMNTH" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid during the first month</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">15</sumStat>
  <sumStat type="mean">1.0818181818182</sumStat>
  <sumStat type="stdev">1.6586940903954</sumStat>
</var>
<var ID="V113" name="Q544UNPDFSTMNTH" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid during the first month</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max"/>
  <sumStat type="mean"/>
  <sumStat type="stdev"/>
</var>
<var ID="V114" name="Q551PDFULLTIME" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid full time workers (35 hours or more per week)</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">13</sumStat>
  <sumStat type="mean">1.3545454545455</sumStat>
  <sumStat type="stdev">1.5707739629473</sumStat>
</var>
<var ID="V115" name="Q551UNPDFULLTIME" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid full time workers (35 hours or more per week)</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">1</sumStat>
  <sumStat type="mean">0.0045454545454545</sumStat>
  <sumStat type="stdev">0.067419986246324</sumStat>
</var>
<var ID="V116" name="Q552PDPARTTIME" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid part-time workers (less than 35 hours per week)</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">5</sumStat>
  <sumStat type="mean">0.30909090909091</sumStat>
  <sumStat type="stdev">0.77924509242743</sumStat>
</var>
<var ID="V117" name="Q552UNPDPARTTIME" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid part-time workers (less than 35 hours per week)</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">3</sumStat>
  <sumStat type="mean">0.15454545454545</sumStat>
  <sumStat type="stdev">0.45201453963691</sumStat>
</var>
<var ID="V118" name="Q561PDMALE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid male</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">6</sumStat>
  <sumStat type="mean">1.1590909090909</sumStat>
  <sumStat type="stdev">1.2077221439909</sumStat>
</var>
<var ID="V119" name="Q561UNPDMALE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid male</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">3</sumStat>
  <sumStat type="mean">0.15454545454545</sumStat>
  <sumStat type="stdev">0.4717859517046</sumStat>
</var>
<var ID="V120" name="Q562PDFEMALE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid female</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">11</sumStat>
  <sumStat type="mean">0.50454545454545</sumStat>
  <sumStat type="stdev">1.2106744686981</sumStat>
</var>
<var ID="V121" name="Q562UNPDFEMALE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid female</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">11</sumStat>
  <sumStat type="mean">0.21818181818182</sumStat>
  <sumStat type="stdev">0.858817475006</sumStat>
</var>
<var ID="V122" name="Q571PDBLACK" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid Black</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">10</sumStat>
  <sumStat type="mean">1.5318181818182</sumStat>
  <sumStat type="stdev">1.5121687119388</sumStat>
</var>
<var ID="V123" name="Q571UNPDBLACK" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid Black</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">9</sumStat>
  <sumStat type="mean">0.30909090909091</sumStat>
  <sumStat type="stdev">0.86267561426187</sumStat>
</var>
<var ID="V124" name="Q572PDCOULORD" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid Coloured</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">2</sumStat>
  <sumStat type="mean">0.045454545454545</sumStat>
  <sumStat type="stdev">0.24869939810646</sumStat>
</var>
<var ID="V125" name="Q572UNPDCOULORD" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid Coloured</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">1</sumStat>
  <sumStat type="mean">0.013636363636364</sumStat>
  <sumStat type="stdev">0.11624040018478</sumStat>
</var>
<var ID="V126" name="Q573PDINDIAN" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid Indian</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">2</sumStat>
  <sumStat type="mean">0.013636363636364</sumStat>
  <sumStat type="stdev">0.15048006753867</sumStat>
</var>
<var ID="V127" name="Q573UNPDINDIAN" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid Indian</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">1</sumStat>
  <sumStat type="mean">0.0045454545454545</sumStat>
  <sumStat type="stdev">0.067419986246324</sumStat>
</var>
<var ID="V128" name="Q574PDWHITE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid White</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">1</sumStat>
  <sumStat type="mean">0.040909090909091</sumStat>
  <sumStat type="stdev">0.19853134486561</sumStat>
</var>
<var ID="V129" name="Q574UNPDWHITE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid White</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">1</sumStat>
  <sumStat type="mean">0.022727272727273</sumStat>
  <sumStat type="stdev">0.14937256348849</sumStat>
</var>
<var ID="V130" name="Q575PDOTHER" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid Other population group</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">3</sumStat>
  <sumStat type="mean">0.031818181818182</sumStat>
  <sumStat type="stdev">0.29281559274979</sumStat>
</var>
<var ID="V131" name="Q575UNPDOTHER" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid Other population group</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max"/>
  <sumStat type="mean"/>
  <sumStat type="stdev"/>
</var>
<var ID="V132" name="Q581PD15_24" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Paid aged 15-24 years</labl>
  <sumStat type="vald">215</sumStat>
  <sumStat type="freq">149</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V133" name="Q581UNPD15_24" files="F1" intrvl="discrete">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid aged 15-24 years</labl>
  <sumStat type="vald">215</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">2</sumStat>
  <sumStat type="mean">0.074418604651163</sumStat>
  <sumStat type="stdev">0.28026441391715</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V134" name="Q582PD25_34" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Paid aged 25-34 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="freq">77</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V135" name="Q582UNPD25_34" files="F1" intrvl="discrete">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid aged 25-34 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">8</sumStat>
  <sumStat type="mean">0.14545454545455</sumStat>
  <sumStat type="stdev">0.67352224353493</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V136" name="Q583PD35_44" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Paid aged 35-44 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="freq">116</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V137" name="Q583UNPD35_44" files="F1" intrvl="discrete">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid aged 35-44 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">2</sumStat>
  <sumStat type="mean">0.072727272727273</sumStat>
  <sumStat type="stdev">0.30845293474278</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V138" name="Q584PD45_54" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Paid aged 45-54 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="freq">169</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V139" name="Q584UNPD45_54" files="F1" intrvl="discrete">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid aged 45-54 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">1</sumStat>
  <sumStat type="mean">0.031818181818182</sumStat>
  <sumStat type="stdev">0.17591603340646</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V140" name="Q585PD55_64" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Paid aged 55-64 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="freq">179</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V141" name="Q585UNPD55_64" files="F1" intrvl="discrete">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid aged 55-64 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">1</sumStat>
  <sumStat type="mean">0.018181818181818</sumStat>
  <sumStat type="stdev">0.13391322630468</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V142" name="Q586PDMORE64" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Paid Aged more than 64 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="freq">184</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V143" name="Q586UNPDMORE64" files="F1" intrvl="discrete">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid Aged more than 64 years</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">1</sumStat>
  <sumStat type="mean">0.013636363636364</sumStat>
  <sumStat type="stdev">0.11624040018478</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V144" name="Q587PDUNDER15" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Paid Under 15 years of age</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="freq">186</sumStat>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V145" name="Q587UNPDUNDER15" files="F1" intrvl="discrete">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Unpaid Under 15 years of age</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max"/>
  <sumStat type="mean"/>
  <sumStat type="stdev"/>
  <catgry>
    <catValu>99</catValu>
    <labl>Unspecified</labl>
    <catStat type="vald"/>
  </catgry>
</var>
<var ID="V146" name="Q591EMPL_SALARY" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Wages and salaries, including overtime, bonuses, etc</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">56000</sumStat>
  <sumStat type="mean">3394.5727272727</sumStat>
  <sumStat type="stdev">5930.1816660925</sumStat>
</var>
<var ID="V147" name="Q592EMPL_INKIND" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Payment in kind (food, clothing, drinks, etc.</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">5000</sumStat>
  <sumStat type="mean">171.77272727273</sumStat>
  <sumStat type="stdev">513.10323062733</sumStat>
</var>
<var ID="V148" name="Q593EMPL_TRANSPRT" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Refund of transport costs</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">2400</sumStat>
  <sumStat type="mean">46.936363636364</sumStat>
  <sumStat type="stdev">282.95901496701</sumStat>
</var>
<var ID="V149" name="Q594EMPL_OTHER" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid Other( remunaration)</labl>
  <sumStat type="vald">220</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">15000</sumStat>
  <sumStat type="mean">88</sumStat>
  <sumStat type="stdev">1022.2678700681</sumStat>
</var>
<var ID="V150" name="Q601OWN_SALARY" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Wages and salaries, including overtime, bonuses, etc for yourself</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">64000</sumStat>
  <sumStat type="mean">1737.479469362</sumStat>
  <sumStat type="stdev">4284.2350022395</sumStat>
</var>
<var ID="V151" name="Q602OWN_INKIND" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Payment in kind (food, clothing, drinks, etc.) for yourself</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">20000</sumStat>
  <sumStat type="mean">603.76184459886</sumStat>
  <sumStat type="stdev">1487.7510673638</sumStat>
</var>
<var ID="V152" name="Q603OWN_TRANSPRT" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Refund of transport costs for yourself</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">18000</sumStat>
  <sumStat type="mean">271.22741629817</sumStat>
  <sumStat type="stdev">978.17012399968</sumStat>
</var>
<var ID="V153" name="Q604OWN_OTHER" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Paid Other</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">18000</sumStat>
  <sumStat type="mean">236.21036007581</sumStat>
  <sumStat type="stdev">1001.6866594326</sumStat>
</var>
<var ID="V154" name="Q611CSTELEC" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Electricity costs</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">13000</sumStat>
  <sumStat type="mean">26.204042956412</sumStat>
  <sumStat type="stdev">329.90171609819</sumStat>
</var>
<var ID="V155" name="Q612CSTWATER" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Water costs</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">700</sumStat>
  <sumStat type="mean">6.0688566013898</sumStat>
  <sumStat type="stdev">28.422066072723</sumStat>
</var>
<var ID="V156" name="Q613CSTFUEL" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Fuel and lubricants costs</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">30800</sumStat>
  <sumStat type="mean">85.046114971573</sumStat>
  <sumStat type="stdev">1182.9982195164</sumStat>
</var>
<var ID="V157" name="Q614CSTSPARES" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Money spent on spare parts</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">28000</sumStat>
  <sumStat type="mean">32.588755527479</sumStat>
  <sumStat type="stdev">757.74541124834</sumStat>
</var>
<var ID="V158" name="Q615CSTRENT" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on rental of premises</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">26000</sumStat>
  <sumStat type="mean">45.332280480101</sumStat>
  <sumStat type="stdev">746.84526362597</sumStat>
</var>
<var ID="V159" name="Q616CSTMACH" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on rental of machinery and equipment</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">40000</sumStat>
  <sumStat type="mean">36.743524952622</sumStat>
  <sumStat type="stdev">1055.1440030513</sumStat>
</var>
<var ID="V160" name="Q617CSTTELE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on postage, telephone, printing and stationery</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">600</sumStat>
  <sumStat type="mean">7.8079595704359</sumStat>
  <sumStat type="stdev">26.577982243673</sumStat>
</var>
<var ID="V161" name="Q618CSTTRANS" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on transport of raw materials/supplies</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">20000</sumStat>
  <sumStat type="mean">46.971572962729</sumStat>
  <sumStat type="stdev">660.86842538954</sumStat>
</var>
<var ID="V162" name="Q619CSTREPAIR" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on repairs and maintenance</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">26000</sumStat>
  <sumStat type="mean">45.776373973468</sumStat>
  <sumStat type="stdev">866.33388557024</sumStat>
</var>
<var ID="V163" name="Q6110CSTBUSSERV" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on business services</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">800</sumStat>
  <sumStat type="mean">2.8092229943146</sumStat>
  <sumStat type="stdev">33.417695046035</sumStat>
</var>
<var ID="V164" name="Q6111CSTLICENSE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on licences, permits</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">15000</sumStat>
  <sumStat type="mean">12.156032849021</sumStat>
  <sumStat type="stdev">377.9529352668</sumStat>
</var>
<var ID="V165" name="Q6112CSTINTEREST" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spend on interest on loans /repayments of loans</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">14000</sumStat>
  <sumStat type="mean">28.830701200253</sumStat>
  <sumStat type="stdev">592.06570315894</sumStat>
</var>
<var ID="V166" name="Q6113CSTINS" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on insurance premiums, mortgages /bonds</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">20000</sumStat>
  <sumStat type="mean">26.524320909665</sumStat>
  <sumStat type="stdev">622.17750485162</sumStat>
</var>
<var ID="V167" name="Q6114CSTTAX" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on income tax//levies</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">11500</sumStat>
  <sumStat type="mean">9.8825015792798</sumStat>
  <sumStat type="stdev">291.07540495326</sumStat>
</var>
<var ID="V168" name="Q6115CSTPROTECT" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on protection agencies</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">10000</sumStat>
  <sumStat type="mean">6.8572331017056</sumStat>
  <sumStat type="stdev">251.4401147618</sumStat>
</var>
<var ID="V169" name="Q6116CSTOTHER" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent other</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">10000</sumStat>
  <sumStat type="mean">12.338597599495</sumStat>
  <sumStat type="stdev">254.13997719744</sumStat>
</var>
<var ID="V170" name="Q621CSTMACHINERY" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on machinery</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">70000</sumStat>
  <sumStat type="mean">354.60391661402</sumStat>
  <sumStat type="stdev">3215.8414295932</sumStat>
</var>
<var ID="V171" name="Q622CSTTOOLS" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on equipment and tools</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">60000</sumStat>
  <sumStat type="mean">310.86418193304</sumStat>
  <sumStat type="stdev">2002.9127780775</sumStat>
</var>
<var ID="V172" name="Q623CSTVEHICLES" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on vehicles, trailers, etc. for transportation</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">300000</sumStat>
  <sumStat type="mean">779.24131396083</sumStat>
  <sumStat type="stdev">8853.2864664929</sumStat>
</var>
<var ID="V173" name="Q624CSTBUILDINGS" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount of money spent on buildings and other structures</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">96000</sumStat>
  <sumStat type="mean">220.0947567909</sumStat>
  <sumStat type="stdev">3706.9001745103</sumStat>
</var>
<var ID="V174" name="Q625CSTFURNITURE" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on furniture</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">30000</sumStat>
  <sumStat type="mean">71.734680985471</sumStat>
  <sumStat type="stdev">1230.3694327068</sumStat>
</var>
<var ID="V175" name="Q626CSTOTHER" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Amount spent on other capital items</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">30000</sumStat>
  <sumStat type="mean">100.73468098547</sumStat>
  <sumStat type="stdev">1089.9379279714</sumStat>
</var>
<var ID="V176" name="Q63NETPROFIT" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Net profit</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">140000</sumStat>
  <sumStat type="mean">2825.7694251421</sumStat>
  <sumStat type="stdev">7093.3284881631</sumStat>
</var>
<var ID="V177" name="Q64AVENETPROFIT" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Average net profits</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min"/>
  <sumStat type="max">140000</sumStat>
  <sumStat type="mean">3332.5735944409</sumStat>
  <sumStat type="stdev">7367.6007189221</sumStat>
</var>
<var ID="V178" name="Q65ACTPROFIT" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Use of profit</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1103</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Re-invest in the business</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Save it in the bank</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Spend it on items for the household</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V179" name="Q66DEBTS" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Debts</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1555</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V180" name="Q68TRANSPORT" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Does the business offer transport services?</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1493</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V181" name="Q67TOTALDEBT" files="F1" intrvl="contin">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Total debts</labl>
  <sumStat type="vald">28</sumStat>
  <sumStat type="min">260</sumStat>
  <sumStat type="max">570000</sumStat>
  <sumStat type="mean">95666.428571429</sumStat>
  <sumStat type="stdev">169564.31665615</sumStat>
</var>
<var ID="V182" name="Q69TRANSSERVICE" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Transport services</labl>
  <sumStat type="vald">90</sumStat>
  <sumStat type="freq">33</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Passenger transport with combis/mini-buses</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Passenger transport with cabs</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Transport of goods</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Both passenger transport and transport of goods</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V183" name="Q70TYPGOODS" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Type of goods</labl>
  <sumStat type="vald">37</sumStat>
  <sumStat type="freq">19</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Sand and gravel</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Other construction materials</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Groceries</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V184" name="Q71NOTVAT" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Not registered for VAT</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">981</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>The business does not meet registration requirements</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Didn't know that the business has to be registered</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Registration process is tedious / complicated</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Other</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Did not know where to register the business</labl>
  </catgry>
</var>
<var ID="V185" name="Q72NOTREGISTAX" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Not registered for income tax</labl>
  <sumStat type="vald">1481</sumStat>
  <sumStat type="freq">843</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>The business does not meet registration requirements</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Didn't know that the business has to be registered</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Registration process is tedious / complicated</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Other</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Not applicable / not required to register</labl>
  </catgry>
</var>
<var ID="V186" name="Q73SAVACCOUNT" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Account for business</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1222</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes, from bank</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Yes, from another formal financial institution</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Yes, from an informal organisation (e.g. stokvel)</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>No</labl>
  </catgry>
</var>
<var ID="V187" name="Q74INVESTACCOUNT" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Investment account</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1423</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes, from bank</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Yes, from another formal financial institution</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>No</labl>
  </catgry>
</var>
<var ID="V188" name="Q75LOANACCOUNT" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Loan account</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1560</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes, from a bank</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Yes, from another formal financial institution (e.g. microfinance organisation)</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Yes, from an informal organisation</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Yes, from family / friends</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>No</labl>
  </catgry>
</var>
<var ID="V189" name="Q76ASSETFIN" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Asset finance</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1577</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes, from bank</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Yes, from another formal financial institution</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>No</labl>
  </catgry>
</var>
<var ID="V190" name="Q77MOTRTLOAN" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Mortgage loan</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1577</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes, from bank</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Yes, from another formal financial institution</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>No</labl>
  </catgry>
</var>
<var ID="V191" name="Q78CREDITFAC" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Credit facility</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1564</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes, from bank</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Yes, from another formal financial institution</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>No</labl>
  </catgry>
</var>
<var ID="V192" name="Q79SHRTTRMINS" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Insurance</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1553</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes, from a bank</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Yes, from another formal financial institution (e.g. insurance company)</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>No</labl>
  </catgry>
</var>
<var ID="V193" name="Q80PYMTSAVACC" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Business payments</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1249</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Not applicable (no account)</labl>
  </catgry>
</var>
<var ID="V194" name="Q81BUSPYMT" files="F1" intrvl="discrete">
  <varFormat type="unknown"/>
  <location width="10"/>
  <labl>Payment method</labl>
  <sumStat type="vald">1581</sumStat>
  <sumStat type="freq">1088</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Internet/ cellphone banking</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>A bank branch / personal banking</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Debit card/ pay cash</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Credit card</labl>
  </catgry>
</var>
<var ID="V195" name="Q82FINOMBUS" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Awareness about ombudsman</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1206</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V196" name="Q83FINEDU" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Financial literacy</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">1296</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Yes</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>No</labl>
    <catStat type="freq"/>
  </catgry>
</var>
<var ID="V197" name="Education_status" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Education status</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">652</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>No schooling</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Less than primary completed</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Primary completed</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>Secondary not completed</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Secondary completed</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Tertiary</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V198" name="Indus" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Main Industry</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">816</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Agriculture, hunting, forestry and fishing</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Manufacturing</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>Construction</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>Wholesale and retail trade</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>Transport, storage and communication</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>Financial intermediation, insurance, real estate and business services</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>Community, social and personal services</labl>
  </catgry>
  <catgry>
    <catValu>11</catValu>
    <labl>Other</labl>
  </catgry>
</var>
<var ID="V199" name="metro_code" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Metropolitan code</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">319</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>WC - Non-metro</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>WC - City of Cape Town</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>EC - Non-metro</labl>
  </catgry>
  <catgry>
    <catValu>4</catValu>
    <labl>EC - Buffalo City</labl>
  </catgry>
  <catgry>
    <catValu>5</catValu>
    <labl>EC - Nelson Mandela Bay</labl>
  </catgry>
  <catgry>
    <catValu>6</catValu>
    <labl>NC - Non-metro</labl>
  </catgry>
  <catgry>
    <catValu>7</catValu>
    <labl>FS - Non-metro</labl>
  </catgry>
  <catgry>
    <catValu>8</catValu>
    <labl>FS - Mangaung</labl>
  </catgry>
  <catgry>
    <catValu>9</catValu>
    <labl>KZN - Non-metro</labl>
  </catgry>
  <catgry>
    <catValu>10</catValu>
    <labl>KZN - eThekwini</labl>
  </catgry>
  <catgry>
    <catValu>11</catValu>
    <labl>NW - Non-metro</labl>
  </catgry>
  <catgry>
    <catValu>12</catValu>
    <labl>GP - Non-metro</labl>
  </catgry>
  <catgry>
    <catValu>13</catValu>
    <labl>GP - Ekurhuleni</labl>
  </catgry>
  <catgry>
    <catValu>14</catValu>
    <labl>GP - City of Johannesburg</labl>
  </catgry>
  <catgry>
    <catValu>15</catValu>
    <labl>GP - City of Tshwane</labl>
  </catgry>
  <catgry>
    <catValu>16</catValu>
    <labl>MP - Non-metro</labl>
  </catgry>
  <catgry>
    <catValu>17</catValu>
    <labl>LP - Non-metro</labl>
  </catgry>
</var>
<var ID="V200" name="Geo_Type_Code" files="F1" intrvl="discrete">
  <varFormat type="character"/>
  <location width="10"/>
  <labl>Geography type code</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="freq">902</sumStat>
  <catgry>
    <catValu>1</catValu>
    <labl>Urban</labl>
    <catStat type="vald"/>
  </catgry>
  <catgry>
    <catValu>2</catValu>
    <labl>Traditional</labl>
    <catStat type="freq"/>
  </catgry>
  <catgry>
    <catValu>3</catValu>
    <labl>Farms</labl>
  </catgry>
</var>
<var ID="V201" name="Weight" files="F1" intrvl="contin" wgt="wgt">
  <varFormat type="numeric"/>
  <location width="10"/>
  <labl>Weight</labl>
  <sumStat type="vald">1583</sumStat>
  <sumStat type="min">56.4023601</sumStat>
  <sumStat type="max">5755.4691308</sumStat>
  <sumStat type="mean">1249.6597519864</sumStat>
  <sumStat type="stdev">689.51805445785</sumStat>
</var>
</dataDscr></codeBook>
