zmb-fsdz-zamfin-2005-v1 DataFirst 2020-06-11 NADA Version 4 Zambia Finscope 2005 zmb-fmt-zf-2005-v1 Finmark Trust Bank of Zambia MetadataEditor Department for International Development Swedish International Development Agency DataFirst Support Household Survey [hh] v1: Edited, anonymised dataset for public distribution financial zambia servces quality money finance Zambia National Coverage Sample survey data De Chazal du Mee The sample is two observations short of what is expected. It is unclear from the available documentation why those two observations were omitted. Face-to-face [f2f] DataFirst Zambia Finscope 2005 v1.0 Stata11 0 902 Province 1 Central 2 Copperbelt 3 Eastern 4 Luapula 5 Lusaka 6 Northern 7 North western 8 Southern 9 Western District Region 1 Rural 2 Urban Survey Enumerator Area (Cluster) Gender of respondent 1 Female 2 Male Age of respondent Total Household Size Household size (16Yrs+) Household size (Under 16Yrs+) Behaviour with a large sum of money 1 Put it in a bank / Open a bank account 2 Place it with a Savings Club / Chilimba 3 Give it to someone for safekeeping 4 Hide it at home / Keep it under a mattress / Bury it in a po 5 Carry it with you always 6 Lend it through written agreement 98 Do not know 99 Not specified First thing to spend money on 1 Pay off loans / debts 2 Spend it on household goods - cooker / fridge / TV / radio e 3 Pay off outstanding bills 4 Start a business 5 Expand a business 6 Pay for school fees - for yourself / family / dependents / f 8 Buy livestock 9 Keep it in the bank in an interest bearing account / Save it 10 Invest in Insurance Schemes 11 Buy stocks on the LUSE 12 Place it in other financial instruments - Treasury Bills, Un 13 Buy a vehicle / boat 14 Go on holiday 15 Give to a charity or other social cause 16 Spend it on travelling 17 Invest in agriculture / farming 18 Build / buy a house 20 Build commercial buildings 21 Buy personal items eg clothes, shoes 22 Buy a plot of land 23 Buy food 24 Invest in equipment for business 25 Give to parents / relatives 26 Spend it on my wedding 27 Go on a picnic 28 Invest in assets 29 Give loans to people and make money 30 Give to church 31 Spend on music production 32 Spend on family needs 33 Extend / renovate my house 95 Others 98 Do not know 99 Not specified Bank 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Savings Account 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Current Account 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Debit Card 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Credit Card 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified ATM / Cashpoint Card 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Bank Charges / Service Fees 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Profit 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Insurance 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Interest 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Direct Debit 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Investment 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Funeral Fund 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Premiums 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Microfinance 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Savings Clubs / Chilimba 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Money Lenders / Kaloba 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Terminal Benefits 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Stock Exchange 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified NAPSA / Pension Plan 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Exchange Rate 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Tax 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Shares 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Asset 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Standing Order 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Swift Transfer 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Direct Debit and Credit Clearing (DDACC) 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Moneygram 1 Never heard 2 Heard but do not understand 3 Heard but do understand 99 Not specified Formal financial institions in Zambia - 1 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 2 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 3 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 4 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 5 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 6 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 7 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 8 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 9 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 10 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 11 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 12 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 13 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 14 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Formal financial institions in Zambia - 15 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 African Development Bank 20 Bank of Zambia 21 Blue Bank 22 Capital Bank 24 Central Bank 25 cusa 27 Grandlays Bank 28 Insurance Bank 29 Lima Bank 30 Memdia Bank 31 Merchant Bank 32 Meridian Bank 33 Obote Bank 34 Post Bank 35 Prudence Bank 36 Union Bank 37 United Bank 39 Zambia World Bank 40 Zanaco 95 Others 96 None 98 Do not know 99 Not specified Factors when opening an account - 1 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 2 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 3 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 4 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 5 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 6 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 7 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 8 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 9 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified Factors when opening an account - 10 1 Bank Charges / Service Fees 2 Interest rates 3 Minimum balance amount 4 Personal information required to open account 5 Accessibility to loans 6 Flexibility in transactions 7 Technology available 8 Opening time 9 Location of branch / bank 10 ATM / Cashpoint close to where I live 11 ATM / Cashpoint close to my workplace 12 Local Zambian bank 13 Foreign / international bank 14 Personal services 15 Attitude of staff 18 Accessibility to money when one needs it 19 Appearance of the bank 20 Reliability / trustworthiness / stability / credibility of t 21 Reputation of the bank 22 Bank conditions / procedures 24 Customer profile of the bank 25 Availability of credit facilities 26 Quality / efficiency / rapidity of service 27 Availability of balance statement 28 Financial security 29 Possibility of having foreign account 30 Familiarity with the bank 31 Must have a personal contact in the bank 32 Period of time the bank has been in operation 33 Assistance in banking transactions 34 Recommendation by other people 35 Investment opportunity 36 Variety of products offered 37 Amount of taxes 95 Others 98 Do not know 99 Not specified ATM / Cashpoint Card 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Debit Card / Connect Card 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Current / Cheque Account 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Savings Account 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Fixed Deposit Account 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Visa Electron Account 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified 24 Hours Call Account 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Unit Trust Account 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified High Interest Savings Account 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified US Dollar / Foreign Currency Account 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Bank Account outside of Zambia 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Credit Card 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Bank overdraft 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Standing Order 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified ddacc 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified RTGS (Real Time Gross Settlement) 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Swift Transfer 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Celpay 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Do Not Use 99 Not specified Bank status of respondent 1 Currently Banked 2 Previously Banked 3 Never Banked Reasons for not having a bank account - 1 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 2 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 3 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 4 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 5 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 6 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 7 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 8 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 9 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Reasons for not having a bank account - 10 1 I do not have a regular income 2 I do not have money to put into a bank 3 I do not have a job 4 I do not qualify to open an account 5 I do not need a bank account 6 The bank closed my account 7 The bank staff couldn't speak my language (mother tongue) 8 I am not comfortable walking into the bank (maybe due to app 9 I do not know how to open an account 10 The bank is too far 11 Minimum balance in the bank is too high 12 I do not have an identity document 13 I do not have a reference 14 It is expensive to have a bank account 15 Bank Charges / Service Fees are too high 16 I prefer dealing in cash 17 I do not trust banks 18 I do not want the tax man to know about my money 19 Long process to open an account 20 No fixed address / Change of address 22 I am still at school / I am too young 23 I am a dependent 24 I am not educated 26 I am still saving money 27 Attitude of staff 28 The banks offer low interest rates 29 My business is bankrupt 30 I cannot manage an account 31 I am retired 33 Lack of knowledge on banks 34 I do not have a stable job 35 I am about to open an account 37 I do not have anyone to open an account for me 38 I prefer to keep money at home 39 I have never thought about it 40 I use my husband's account 41 The bank closed down 42 I do not have enough income to save 43 There is no bank in my region 44 I have not chosen a bank yet / Not yet decided 45 I am widowed 46 Banks do not offer interest on savings 47 I am too old 48 There is no benefit 95 Others 98 Do not know 99 Not specified Use somebody else's bank account 1 Yes 2 No 99 Not specified Do you do any of the following at a bank? - 1 1 Cash a cheque 2 Deposit cash into someone's account 3 Deposit a cheque into someone's account 4 Collect money 6 Send money 7 Withdraw money 95 Others 96 None of the above 99 Not specified Do you do any of the following at a bank? - 2 1 Cash a cheque 2 Deposit cash into someone's account 3 Deposit a cheque into someone's account 4 Collect money 6 Send money 7 Withdraw money 95 Others 96 None of the above 99 Not specified Do you do any of the following at a bank? - 3 1 Cash a cheque 2 Deposit cash into someone's account 3 Deposit a cheque into someone's account 4 Collect money 6 Send money 7 Withdraw money 95 Others 96 None of the above 99 Not specified Banking Transactions normally carried out by respondent - 1 1 Cash withdrawals 2 Cash deposits 3 Cheque deposits 4 Cash a cheque 5 Direct debit payments 6 Money transfers between your own bank accounts 7 Money transfer to another person's bank account 8 Draw a managers/bankers cheque 99 Not specified Banking Transactions normally carried out by respondent - 2 1 Cash withdrawals 2 Cash deposits 3 Cheque deposits 4 Cash a cheque 5 Direct debit payments 6 Money transfers between your own bank accounts 7 Money transfer to another person's bank account 8 Draw a managers/bankers cheque 99 Not specified Banking Transactions normally carried out by respondent - 3 1 Cash withdrawals 2 Cash deposits 3 Cheque deposits 4 Cash a cheque 5 Direct debit payments 6 Money transfers between your own bank accounts 7 Money transfer to another person's bank account 8 Draw a managers/bankers cheque 99 Not specified Banking Transactions normally carried out by respondent - 4 1 Cash withdrawals 2 Cash deposits 3 Cheque deposits 4 Cash a cheque 5 Direct debit payments 6 Money transfers between your own bank accounts 7 Money transfer to another person's bank account 8 Draw a managers/bankers cheque 99 Not specified Banking Transactions normally carried out by respondent - 5 1 Cash withdrawals 2 Cash deposits 3 Cheque deposits 4 Cash a cheque 5 Direct debit payments 6 Money transfers between your own bank accounts 7 Money transfer to another person's bank account 8 Draw a managers/bankers cheque 99 Not specified Banking Transactions normally carried out by respondent - 6 1 Cash withdrawals 2 Cash deposits 3 Cheque deposits 4 Cash a cheque 5 Direct debit payments 6 Money transfers between your own bank accounts 7 Money transfer to another person's bank account 8 Draw a managers/bankers cheque 99 Not specified Banking Transactions normally carried out by respondent - 7 1 Cash withdrawals 2 Cash deposits 3 Cheque deposits 4 Cash a cheque 5 Direct debit payments 6 Money transfers between your own bank accounts 7 Money transfer to another person's bank account 8 Draw a managers/bankers cheque 99 Not specified Banking Transactions normally carried out by respondent - 8 1 Cash withdrawals 2 Cash deposits 3 Cheque deposits 4 Cash a cheque 5 Direct debit payments 6 Money transfers between your own bank accounts 7 Money transfer to another person's bank account 8 Draw a managers/bankers cheque 99 Not specified Ways in which CASH WITHDRAWALS are carried out - 1 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which CASH WITHDRAWALS are carried out - 2 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which CASH DEPOSITS are carried out - 1 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which CASH DEPOSITS are carried out - 2 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which CHEQUE DEPOSITS are carried out - 1 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which CHEQUE DEPOSITS are carried out - 2 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which CASH A CHEQUE are carried out - 1 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which MONEY TRANSFERS BETWEEN OWN BANK ACCOUNTS are carried out - 1 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which MONEY TRANSFERS BETWEEN OWN BANK ACCOUNTS are carried out - 2 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out - 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out - 1 Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out - 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out - 2 Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out - 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Ways in which MONEY TRANSFER TO ANOTHER PERSON'S BANK ACCOUNT are carried out - 3 Ways in which DRAW A MANAGERS/BANKERS CHEQUE are carried out - 1 1 At the Bank 2 At an ATM / Cashpoint 3 Via A Cellphone/Telephone 99 Not specified Banks having personally any form of account - 1 1 African Banking Corporation Zambia Ltd (ABC) 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 FINCA Zambia Ltd 20 Overseas bank 21 Post bank 95 Others 99 Not specified Banks having personally any form of account - 2 1 African Banking Corporation Zambia Ltd (ABC) 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 FINCA Zambia Ltd 20 Overseas bank 21 Post bank 95 Others 99 Not specified Banks having personally any form of account - 3 1 African Banking Corporation Zambia Ltd (ABC) 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 FINCA Zambia Ltd 20 Overseas bank 21 Post bank 95 Others 99 Not specified Banks having personally any form of account - 4 1 African Banking Corporation Zambia Ltd (ABC) 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 FINCA Zambia Ltd 20 Overseas bank 21 Post bank 95 Others 99 Not specified Main bank 1 African Banking Corporation Zambia Ltd (ABC) 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 19 FINCA Zambia Ltd 20 Overseas bank 21 Post bank 95 Others 99 Not specified Means of transport - 1 1 Walk 2 Own car 3 Someone else's car 4 Taxi 5 Local Minibus / Bus 6 Long-distance Minibus / Bus 7 Bicycle 8 Boat 9 Cattle / cart 10 Open vans / trucks 11 Company vehicle 12 Public transport 95 Other 96 Do not go to bank 99 Not specified Means of transport - 2 1 Walk 2 Own car 3 Someone else's car 4 Taxi 5 Local Minibus / Bus 6 Long-distance Minibus / Bus 7 Bicycle 8 Boat 9 Cattle / cart 10 Open vans / trucks 11 Company vehicle 12 Public transport 95 Other 96 Do not go to bank 99 Not specified Means of transport - 3 1 Walk 2 Own car 3 Someone else's car 4 Taxi 5 Local Minibus / Bus 6 Long-distance Minibus / Bus 7 Bicycle 8 Boat 9 Cattle / cart 10 Open vans / trucks 11 Company vehicle 12 Public transport 95 Other 96 Do not go to bank 99 Not specified Means of transport - 4 1 Walk 2 Own car 3 Someone else's car 4 Taxi 5 Local Minibus / Bus 6 Long-distance Minibus / Bus 7 Bicycle 8 Boat 9 Cattle / cart 10 Open vans / trucks 11 Company vehicle 12 Public transport 95 Other 96 Do not go to bank 99 Not specified Cost of public transport 1 Below K5,000 2 K5,000 - K10,000 3 K11,000 - K25,000 4 K26,000 - K50,000 5 K51,000 - K100,000 6 Over K100,000 99 Not specified Time spent to get to the bank 1 Under 5 minutes 2 About 5 minutes 3 About 10 minutes 4 About 15 - 20 minutes 5 About 20 - 30 minutes 6 About 30 - 45 minutes 7 About an hour or more 8 Up to a day 9 More than one day 99 Not specified Financial service from a microfinance institution 1 Yes 2 No 99 Not specified Microfinance institution - 1 1 Africa Enterprise Trust Zambia (AETZ) 2 Africa Housing Fund (AHF) 3 Agricultural Support Programme 4 Bayport 5 Blue Financial Services 6 Cetzam Opportunity Microfinance Ltd. 7 Ecumenical Church Loan Fund (ECLOF) 8 Evangelical Fellowship of Zambia 9 FINCA Zambia Ltd 10 Harmos MED Ltd 11 Keepers Zambia Foundation 12 Lutheran World Federation (LWF) 13 Micro Bankers Trust 14 Microfin Africa Zambia Ltd 15 National Savings & Credit Bank (NSCB) 16 Netfin 17 Peoples Participation Service 18 Pride Zambia Ltd 19 Pulse Holdings Ltd 20 Salvation Army - Lusumpuko Women's Microcredit Fund 21 Women Finance Co-operative Zambia Ltd 22 Young Women Christian Association (YWCA) - Western Region 23 Young Women Christian Association (YWCA) - Youth Skills Ente 24 Zambezi Youth Organisation (ZAYO) 25 African Banking Corporation Zambia Ltd (ABC) 26 Care International 27 chaz 28 Cooperative Society 29 Disable group 31 Lusu Mission 32 Mashebo Trust Mission Guard 33 Red Cross 34 Women for Change 95 Others 99 Not specified Microfinance institution - 2 1 Africa Enterprise Trust Zambia (AETZ) 2 Africa Housing Fund (AHF) 3 Agricultural Support Programme 4 Bayport 5 Blue Financial Services 6 Cetzam Opportunity Microfinance Ltd. 7 Ecumenical Church Loan Fund (ECLOF) 8 Evangelical Fellowship of Zambia 9 FINCA Zambia Ltd 10 Harmos MED Ltd 11 Keepers Zambia Foundation 12 Lutheran World Federation (LWF) 13 Micro Bankers Trust 14 Microfin Africa Zambia Ltd 15 National Savings & Credit Bank (NSCB) 16 Netfin 17 Peoples Participation Service 18 Pride Zambia Ltd 19 Pulse Holdings Ltd 20 Salvation Army - Lusumpuko Women's Microcredit Fund 21 Women Finance Co-operative Zambia Ltd 22 Young Women Christian Association (YWCA) - Western Region 23 Young Women Christian Association (YWCA) - Youth Skills Ente 24 Zambezi Youth Organisation (ZAYO) 25 African Banking Corporation Zambia Ltd (ABC) 26 Care International 27 chaz 28 Cooperative Society 29 Disable group 31 Lusu Mission 32 Mashebo Trust Mission Guard 33 Red Cross 34 Women for Change 95 Others Microfinance institution - 3 1 Africa Enterprise Trust Zambia (AETZ) 2 Africa Housing Fund (AHF) 3 Agricultural Support Programme 4 Bayport 5 Blue Financial Services 6 Cetzam Opportunity Microfinance Ltd. 7 Ecumenical Church Loan Fund (ECLOF) 8 Evangelical Fellowship of Zambia 9 FINCA Zambia Ltd 10 Harmos MED Ltd 11 Keepers Zambia Foundation 12 Lutheran World Federation (LWF) 13 Micro Bankers Trust 14 Microfin Africa Zambia Ltd 15 National Savings & Credit Bank (NSCB) 16 Netfin 17 Peoples Participation Service 18 Pride Zambia Ltd 19 Pulse Holdings Ltd 20 Salvation Army - Lusumpuko Women's Microcredit Fund 21 Women Finance Co-operative Zambia Ltd 22 Young Women Christian Association (YWCA) - Western Region 23 Young Women Christian Association (YWCA) - Youth Skills Ente 24 Zambezi Youth Organisation (ZAYO) 25 African Banking Corporation Zambia Ltd (ABC) 26 Care International 27 chaz 28 Cooperative Society 29 Disable group 31 Lusu Mission 32 Mashebo Trust Mission Guard 33 Red Cross 34 Women for Change 95 Others Microfinance institution - 4 1 Africa Enterprise Trust Zambia (AETZ) 2 Africa Housing Fund (AHF) 3 Agricultural Support Programme 4 Bayport 5 Blue Financial Services 6 Cetzam Opportunity Microfinance Ltd. 7 Ecumenical Church Loan Fund (ECLOF) 8 Evangelical Fellowship of Zambia 9 FINCA Zambia Ltd 10 Harmos MED Ltd 11 Keepers Zambia Foundation 12 Lutheran World Federation (LWF) 13 Micro Bankers Trust 14 Microfin Africa Zambia Ltd 15 National Savings & Credit Bank (NSCB) 16 Netfin 17 Peoples Participation Service 18 Pride Zambia Ltd 19 Pulse Holdings Ltd 20 Salvation Army - Lusumpuko Women's Microcredit Fund 21 Women Finance Co-operative Zambia Ltd 22 Young Women Christian Association (YWCA) - Western Region 23 Young Women Christian Association (YWCA) - Youth Skills Ente 24 Zambezi Youth Organisation (ZAYO) 25 African Banking Corporation Zambia Ltd (ABC) 26 Care International 27 chaz 28 Cooperative Society 29 Disable group 31 Lusu Mission 32 Mashebo Trust Mission Guard 33 Red Cross 34 Women for Change 95 Others Microfinance institution - 5 1 Africa Enterprise Trust Zambia (AETZ) 2 Africa Housing Fund (AHF) 3 Agricultural Support Programme 4 Bayport 5 Blue Financial Services 6 Cetzam Opportunity Microfinance Ltd. 7 Ecumenical Church Loan Fund (ECLOF) 8 Evangelical Fellowship of Zambia 9 FINCA Zambia Ltd 10 Harmos MED Ltd 11 Keepers Zambia Foundation 12 Lutheran World Federation (LWF) 13 Micro Bankers Trust 14 Microfin Africa Zambia Ltd 15 National Savings & Credit Bank (NSCB) 16 Netfin 17 Peoples Participation Service 18 Pride Zambia Ltd 19 Pulse Holdings Ltd 20 Salvation Army - Lusumpuko Women's Microcredit Fund 21 Women Finance Co-operative Zambia Ltd 22 Young Women Christian Association (YWCA) - Western Region 23 Young Women Christian Association (YWCA) - Youth Skills Ente 24 Zambezi Youth Organisation (ZAYO) 25 African Banking Corporation Zambia Ltd (ABC) 26 Care International 27 chaz 28 Cooperative Society 29 Disable group 31 Lusu Mission 32 Mashebo Trust Mission Guard 33 Red Cross 34 Women for Change 95 Others You have to pay Bank Charges / Service Fees - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You have to pay Bank Charges / Service Fees - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You have to pay Bank Charges / Service Fees - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You have to pay Bank Charges / Service Fees - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You have to pay Bank Charges / Service Fees - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You have to pay Bank Charges / Service Fees - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The interest they charge on loans is very high - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The interest they charge on loans is very high - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The interest they charge on loans is very high - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The interest they charge on loans is very high - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The interest they charge on loans is very high - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The interest they charge on loans is very high - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They make quick decisions if you want a loan - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They make quick decisions if you want a loan - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They make quick decisions if you want a loan - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They make quick decisions if you want a loan - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They make quick decisions if you want a loan - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They make quick decisions if you want a loan - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need credit references - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need credit references - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need credit references - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need credit references - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need credit references - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need credit references - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need to have a pay-slip to open an account - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need to have a pay-slip to open an account - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need to have a pay-slip to open an account - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need to have a pay-slip to open an account - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need to have a pay-slip to open an account - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You need to have a pay-slip to open an account - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You do not need to have an identity document - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You do not need to have an identity document - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You do not need to have an identity document - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You do not need to have an identity document - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You do not need to have an identity document - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You do not need to have an identity document - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You must have a permanent address - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You must have a permanent address - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You must have a permanent address - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You must have a permanent address - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You must have a permanent address - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You must have a permanent address - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are too far away from where I live, work or usually go to - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are too far away from where I live, work or usually go to - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are too far away from where I live, work or usually go to - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are too far away from where I live, work or usually go to - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are too far away from where I live, work or usually go to - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are too far away from where I live, work or usually go to - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have too few ATMs / cashpoints 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have too few branches - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have too few branches - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have too few branches - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have too few branches - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have too few branches - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have too few branches - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have low returns on investment / low interests on savings - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have low returns on investment / low interests on savings - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have low returns on investment / low interests on savings - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have low returns on investment / low interests on savings - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have low returns on investment / low interests on savings - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have low returns on investment / low interests on savings - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified It is difficult to withdraw money - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified It is difficult to withdraw money - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified It is difficult to withdraw money - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified It is difficult to withdraw money - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified It is difficult to withdraw money - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified It is difficult to withdraw money - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They force you to keep a minimum balance - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They force you to keep a minimum balance - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They force you to keep a minimum balance - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They force you to keep a minimum balance - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They force you to keep a minimum balance - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You cannot borrow small amounts - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You cannot borrow small amounts - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You cannot borrow small amounts - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You cannot borrow small amounts - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You cannot borrow small amounts - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You cannot borrow small amounts - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very helpful - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very helpful - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very helpful - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very helpful - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very helpful - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very helpful - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very understanding - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very understanding - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very understanding - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very understanding - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very understanding - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff are very understanding - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their service is too slow - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their service is too slow - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their service is too slow - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their service is too slow - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their service is too slow - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff take time to explain to people their obligations - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff take time to explain to people their obligations - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff take time to explain to people their obligations - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff take time to explain to people their obligations - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff take time to explain to people their obligations - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their staff take time to explain to people their obligations - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have information brochures available to the public - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have information brochures available to the public - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have information brochures available to the public - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have information brochures available to the public - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have information brochures available to the public - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They have information brochures available to the public - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They give you regular updates about key events / new products - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They give you regular updates about key events / new products - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They give you regular updates about key events / new products - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They give you regular updates about key events / new products - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They give you regular updates about key events / new products - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They give you regular updates about key events / new products - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified Their technology e.g. ATMs / cashpoints can be difficult to use 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You understand how their products e.g. savings, credit and loans, work - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You understand how their products e.g. savings, credit and loans, work - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You understand how their products e.g. savings, credit and loans, work - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You understand how their products e.g. savings, credit and loans, work - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You understand how their products e.g. savings, credit and loans, work - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You understand how their products e.g. savings, credit and loans, work - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You are satisfied with their service - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You are satisfied with their service - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You are satisfied with their service - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You are satisfied with their service - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You are satisfied with their service - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You are satisfied with their service - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You trust them - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You trust them - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You trust them - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You trust them - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You trust them - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You trust them - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The hours they open are very convenient - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The hours they open are very convenient - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The hours they open are very convenient - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The hours they open are very convenient - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The hours they open are very convenient - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified The hours they open are very convenient - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They accept small transactions - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They accept small transactions - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They accept small transactions - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They accept small transactions - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They accept small transactions - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They accept small transactions - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are your ideal financial service provider - 1 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are your ideal financial service provider - 2 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are your ideal financial service provider - 3 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are your ideal financial service provider - 4 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are your ideal financial service provider - 5 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified They are your ideal financial service provider - 6 1 Banks 2 Insurance Companies 3 Building Societies 4 Microfinance Institutions 5 Savings Clubs / Chilimbas 6 Informal lenders e.g. Kalobas 7 None 8 Do not know 99 Not specified You shop around for the best interest rates 1 Agree 2 Disagree 3 Do not know 99 Not specified You can easily live your life without having a bank account 1 Agree 2 Disagree 3 Do not know 99 Not specified Taking loans should be avoided as much as possible 1 Agree 2 Disagree 3 Do not know 99 Not specified When it comes to money you trust your own experience/knowledge rather than the a 1 Agree 2 Disagree 3 Do not know 99 Not specified When it comes to money you trust your own experience/knowledge rather than the advice/promises of others If you save and invest regularly, eventually the small amounts will mount up and 1 Agree 2 Disagree 3 Do not know 99 Not specified If you save and invest regularly, eventually the small amounts will mount up and you'll be secure In times of need you would rather deal with people you know than with a large or 1 Agree 2 Disagree 3 Do not know 99 Not specified In times of need you would rather deal with people you know than with a large organisation You would prefer to save money for a long-term goal with an insurance company 1 Agree 2 Disagree 3 Do not know 99 Not specified You would rather deal face to face with a person than with an electronic device, 1 Agree 2 Disagree 3 Do not know 99 Not specified You would rather deal face to face with a person than with an electronic device, even if the device is quicker Banks force you to use technology 1 Agree 2 Disagree 3 Do not know 99 Not specified When it comes to money young people know more than older people 1 Agree 2 Disagree 3 Do not know 99 Not specified You are prepared to pay more money to have someone you trust handle your money 1 Agree 2 Disagree 3 Do not know 99 Not specified Most services offered by banks are also available from other people 1 Agree 2 Disagree 3 Do not know 99 Not specified You often think you would like to start your own business but can't get credit / 1 Agree 2 Disagree 3 Do not know 99 Not specified You often think you would like to start your own business but can't get credit / loan You do not trust informal associations like savings clubs / chilimbas 1 Agree 2 Disagree 3 Do not know 99 Not specified You are prepared to learn how to use new technology 1 Agree 2 Disagree 3 Do not know 99 Not specified When you receive your account statement you check the details on the account 1 Agree 2 Disagree 3 Do not know 99 Not specified If you don't understand technology, you can't get a bank account 1 Agree 2 Disagree 3 Do not know 99 Not specified You often do not feel in control of your finances 1 Agree 2 Disagree 3 Do not know 99 Not specified Banks take advantage of poor people 1 Agree 2 Disagree 3 Do not know 99 Not specified You would change banks if another bank offered you more attractive products or s 1 Agree 2 Disagree 3 Do not know 99 Not specified You would change banks if another bank offered you more attractive products or services You enjoy spending money to buy things even if you have to use credit to do so 1 Agree 2 Disagree 3 Do not know 99 Not specified The bank you use gives you status in your friends' eyes 1 Agree 2 Disagree 3 Do not know 99 Not specified When buying on credit you find it usually ends up being more expensive than you 1 Agree 2 Disagree 3 Do not know 99 Not specified When buying on credit you find it usually ends up being more expensive than you thought it was You often find that you are surprised by the final amount you have had to pay fo 1 Agree 2 Disagree 3 Do not know 99 Not specified You often find that you are surprised by the final amount you have had to pay for a loan You would prefer to save money at a bank for a long-term goal 1 Agree 2 Disagree 3 Do not know 99 Not specified You can earn more money investing in other ventures, rather than using a savings 1 Agree 2 Disagree 3 Do not know 99 Not specified You can earn more money investing in other ventures, rather than using a savings account Unexpected event that could impact on finances - 1 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 2 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 3 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 4 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 5 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 6 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 7 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 8 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 9 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 10 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 11 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 12 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Unexpected event that could impact on finances - 13 1 Theft, fire or destruction of household / property 2 Theft or destruction of agricultural crop / livestock 3 Failure of business / bankruptcy 4 Member of household loses job 5 Disability of household member 6 Serious illness of a household member that requires expensiv 7 Death of a household / family member 8 Separation / divorce 9 Birth of child 10 Unforeseen education expenses 11 Non-payment from creditors / people who owe you money 12 Rent increase 13 Rise in fuel prices 14 Rise in food prices 15 Accident 16 Missing bank books 17 Weather hazards (drought, flood) 18 Unabilitity to pay bills 19 Failure to find a job 20 Fall in maize prices 21 Member of household goes to prison 22 Family problems 23 Financial assistance to others 24 Food shortage 25 Purchase of a plot of land 27 Poor harvest 28 Need for more agricultural inputs 29 Rise in transport costs 30 Inflation 31 Stolen money 32 Power cut 34 Medical expenses 36 Need for more agricultural inputs 37 Poverty 38 Unexpected visitors 39 Wedding 95 Others 96 None 98 Do not know 99 Not specified Deal with it financially - 1 (first mention) 1 Sell assets / dispose of agricultural crop / livestock 2 Cut down on household expenses 3 Wait / ask for donations 4 Apply for government grant 5 Borrow money from family / friend 6 Borrow money from employer 7 Borrow money from bank 8 Borrow money from other sources eg. Savings Club / Chilimba 9 Ask Church for assistance 10 Take out savings with bank 11 Take out savings with other financial provider 12 Claim insurance 13 Postpone plans to pay for something else 14 Cash in other financial instruments - T-bills, shares 15 Claim husband's wealth through divorce 16 Ask for advanced salary 17 Borrow money 18 Ask assistance from family / relatives / friends / neighbour 19 Borrow money from financial institutions 20 Ask for assistance from community-based organisations 21 Ask for assistance from employer 22 Rent the house 23 Buy commodities on credit 24 Carry out piece work 25 Collect debts 26 Take out personal savings 27 Find a job / part-time job 28 Find another sponsor for school fees 29 Get an advance on rentals 30 Take money from business 31 Start a business 32 Ask assistance from the police 33 Pray to god 34 Pay by instalments 35 Wait for salary 95 Others 98 Do not know 99 Not specified Deal with it financially - 2 1 Sell assets / dispose of agricultural crop / livestock 2 Cut down on household expenses 3 Wait / ask for donations 4 Apply for government grant 5 Borrow money from family / friend 6 Borrow money from employer 7 Borrow money from bank 8 Borrow money from other sources eg. Savings Club / Chilimba 9 Ask Church for assistance 10 Take out savings with bank 11 Take out savings with other financial provider 12 Claim insurance 13 Postpone plans to pay for something else 14 Cash in other financial instruments - T-bills, shares 15 Claim husband's wealth through divorce 16 Ask for advanced salary 17 Borrow money 18 Ask assistance from family / relatives / friends / neighbour 19 Borrow money from financial institutions 20 Ask for assistance from community-based organisations 21 Ask for assistance from employer 22 Rent the house 23 Buy commodities on credit 24 Carry out piece work 25 Collect debts 26 Take out personal savings 27 Find a job / part-time job 28 Find another sponsor for school fees 29 Get an advance on rentals 30 Take money from business 31 Start a business 32 Ask assistance from the police 33 Pray to god 34 Pay by instalments 35 Wait for salary 95 Others 98 Do not know 99 Not specified Deal with it financially - 3 1 Sell assets / dispose of agricultural crop / livestock 2 Cut down on household expenses 3 Wait / ask for donations 4 Apply for government grant 5 Borrow money from family / friend 6 Borrow money from employer 7 Borrow money from bank 8 Borrow money from other sources eg. Savings Club / Chilimba 9 Ask Church for assistance 10 Take out savings with bank 11 Take out savings with other financial provider 12 Claim insurance 13 Postpone plans to pay for something else 14 Cash in other financial instruments - T-bills, shares 15 Claim husband's wealth through divorce 16 Ask for advanced salary 17 Borrow money 18 Ask assistance from family / relatives / friends / neighbour 19 Borrow money from financial institutions 20 Ask for assistance from community-based organisations 21 Ask for assistance from employer 22 Rent the house 23 Buy commodities on credit 24 Carry out piece work 25 Collect debts 26 Take out personal savings 27 Find a job / part-time job 28 Find another sponsor for school fees 29 Get an advance on rentals 30 Take money from business 31 Start a business 32 Ask assistance from the police 33 Pray to god 34 Pay by instalments 35 Wait for salary 95 Others 98 Do not know 99 Not specified Deal with it financially - 4 1 Sell assets / dispose of agricultural crop / livestock 2 Cut down on household expenses 3 Wait / ask for donations 4 Apply for government grant 5 Borrow money from family / friend 6 Borrow money from employer 7 Borrow money from bank 8 Borrow money from other sources eg. Savings Club / Chilimba 9 Ask Church for assistance 10 Take out savings with bank 11 Take out savings with other financial provider 12 Claim insurance 13 Postpone plans to pay for something else 14 Cash in other financial instruments - T-bills, shares 15 Claim husband's wealth through divorce 16 Ask for advanced salary 17 Borrow money 18 Ask assistance from family / relatives / friends / neighbour 19 Borrow money from financial institutions 20 Ask for assistance from community-based organisations 21 Ask for assistance from employer 22 Rent the house 23 Buy commodities on credit 24 Carry out piece work 25 Collect debts 26 Take out personal savings 27 Find a job / part-time job 28 Find another sponsor for school fees 29 Get an advance on rentals 30 Take money from business 31 Start a business 32 Ask assistance from the police 33 Pray to god 34 Pay by instalments 35 Wait for salary 95 Others 98 Do not know 99 Not specified Deal with it financially - 5 1 Sell assets / dispose of agricultural crop / livestock 2 Cut down on household expenses 3 Wait / ask for donations 4 Apply for government grant 5 Borrow money from family / friend 6 Borrow money from employer 7 Borrow money from bank 8 Borrow money from other sources eg. Savings Club / Chilimba 9 Ask Church for assistance 10 Take out savings with bank 11 Take out savings with other financial provider 12 Claim insurance 13 Postpone plans to pay for something else 14 Cash in other financial instruments - T-bills, shares 15 Claim husband's wealth through divorce 16 Ask for advanced salary 17 Borrow money 18 Ask assistance from family / relatives / friends / neighbour 19 Borrow money from financial institutions 20 Ask for assistance from community-based organisations 21 Ask for assistance from employer 22 Rent the house 23 Buy commodities on credit 24 Carry out piece work 25 Collect debts 26 Take out personal savings 27 Find a job / part-time job 28 Find another sponsor for school fees 29 Get an advance on rentals 30 Take money from business 31 Start a business 32 Ask assistance from the police 33 Pray to god 34 Pay by instalments 35 Wait for salary 95 Others 98 Do not know 99 Not specified Deal with it financially - 6 1 Sell assets / dispose of agricultural crop / livestock 2 Cut down on household expenses 3 Wait / ask for donations 4 Apply for government grant 5 Borrow money from family / friend 6 Borrow money from employer 7 Borrow money from bank 8 Borrow money from other sources eg. Savings Club / Chilimba 9 Ask Church for assistance 10 Take out savings with bank 11 Take out savings with other financial provider 12 Claim insurance 13 Postpone plans to pay for something else 14 Cash in other financial instruments - T-bills, shares 15 Claim husband's wealth through divorce 16 Ask for advanced salary 17 Borrow money 18 Ask assistance from family / relatives / friends / neighbour 19 Borrow money from financial institutions 20 Ask for assistance from community-based organisations 21 Ask for assistance from employer 22 Rent the house 23 Buy commodities on credit 24 Carry out piece work 25 Collect debts 26 Take out personal savings 27 Find a job / part-time job 28 Find another sponsor for school fees 29 Get an advance on rentals 30 Take money from business 31 Start a business 32 Ask assistance from the police 33 Pray to god 34 Pay by instalments 35 Wait for salary 95 Others 98 Do not know 99 Not specified Deal with it financially - 7 1 Sell assets / dispose of agricultural crop / livestock 2 Cut down on household expenses 3 Wait / ask for donations 4 Apply for government grant 5 Borrow money from family / friend 6 Borrow money from employer 7 Borrow money from bank 8 Borrow money from other sources eg. Savings Club / Chilimba 9 Ask Church for assistance 10 Take out savings with bank 11 Take out savings with other financial provider 12 Claim insurance 13 Postpone plans to pay for something else 14 Cash in other financial instruments - T-bills, shares 15 Claim husband's wealth through divorce 16 Ask for advanced salary 17 Borrow money 18 Ask assistance from family / relatives / friends / neighbour 19 Borrow money from financial institutions 20 Ask for assistance from community-based organisations 21 Ask for assistance from employer 22 Rent the house 23 Buy commodities on credit 24 Carry out piece work 25 Collect debts 26 Take out personal savings 27 Find a job / part-time job 28 Find another sponsor for school fees 29 Get an advance on rentals 30 Take money from business 31 Start a business 32 Ask assistance from the police 33 Pray to god 34 Pay by instalments 35 Wait for salary 95 Others 98 Do not know 99 Not specified Deal with it financially - 8 1 Sell assets / dispose of agricultural crop / livestock 2 Cut down on household expenses 3 Wait / ask for donations 4 Apply for government grant 5 Borrow money from family / friend 6 Borrow money from employer 7 Borrow money from bank 8 Borrow money from other sources eg. Savings Club / Chilimba 9 Ask Church for assistance 10 Take out savings with bank 11 Take out savings with other financial provider 12 Claim insurance 13 Postpone plans to pay for something else 14 Cash in other financial instruments - T-bills, shares 15 Claim husband's wealth through divorce 16 Ask for advanced salary 17 Borrow money 18 Ask assistance from family / relatives / friends / neighbour 19 Borrow money from financial institutions 20 Ask for assistance from community-based organisations 21 Ask for assistance from employer 22 Rent the house 23 Buy commodities on credit 24 Carry out piece work 25 Collect debts 26 Take out personal savings 27 Find a job / part-time job 28 Find another sponsor for school fees 29 Get an advance on rentals 30 Take money from business 31 Start a business 32 Ask assistance from the police 33 Pray to god 34 Pay by instalments 35 Wait for salary 95 Others 98 Do not know 99 Not specified Enough food to eat 1 Always 2 Often 3 Sometimes 4 Rarely 5 Never 6 Don't Know 99 Not specified Enough clean water for home use 1 Always 2 Often 3 Sometimes 4 Rarely 5 Never 6 Don't Know 99 Not specified Enough medicines or medical treatment 1 Always 2 Often 3 Sometimes 4 Rarely 5 Never 6 Don't Know 99 Not specified Electricity in your home 1 Always 2 Often 3 Sometimes 4 Rarely 5 Never 6 Don't Know 99 Not specified Enough fuel to cook your food 1 Always 2 Often 3 Sometimes 4 Rarely 5 Never 6 Don't Know 99 Not specified A cash income 1 Always 2 Often 3 Sometimes 4 Rarely 5 Never 6 Don't Know 99 Not specified Felt unsafe from crime in your home 1 Always 2 Often 3 Sometimes 4 Rarely 5 Never 6 Don't Know 99 Not specified To whom do you usually turn to - 1 (first mention) 1 Family / relative 2 Friend / neighbour 3 Employer 4 Community Based Organisation 5 Church 6 Financial institution 7 Microfinance institution 8 Informal lender e.g Savings Club / Chilimba, Money lender / 9 Illicit means 10 Service provider 11 Use alternatives 12 Carry out piece work 13 Take out personal savings 14 Police 15 Commercial farmers 16 Councillor / Headman 17 Government institutions 18 Clinic / Hospital / Health Centre 19 Go to zesco 20 Landlord 21 Get money from the business 23 Pray to God 24 School 25 Sell livestock / crops 27 Sell personal belongings eg clothes 28 Sell assets 95 Others 96 No one 98 Do not know 99 Not specified To whom do you usually turn - 2 1 Family / relative 2 Friend / neighbour 3 Employer 4 Community Based Organisation 5 Church 6 Financial institution 7 Microfinance institution 8 Informal lender e.g Savings Club / Chilimba, Money lender / 9 Illicit means 10 Service provider 11 Use alternatives 12 Carry out piece work 13 Take out personal savings 14 Police 15 Commercial farmers 16 Councillor / Headman 17 Government institutions 18 Clinic / Hospital / Health Centre 19 Go to zesco 20 Landlord 21 Get money from the business 23 Pray to God 24 School 25 Sell livestock / crops 27 Sell personal belongings eg clothes 28 Sell assets 95 Others 96 No one 98 Do not know 99 Not specified To whom do you usually turn - 3 1 Family / relative 2 Friend / neighbour 3 Employer 4 Community Based Organisation 5 Church 6 Financial institution 7 Microfinance institution 8 Informal lender e.g Savings Club / Chilimba, Money lender / 9 Illicit means 10 Service provider 11 Use alternatives 12 Carry out piece work 13 Take out personal savings 14 Police 15 Commercial farmers 16 Councillor / Headman 17 Government institutions 18 Clinic / Hospital / Health Centre 19 Go to zesco 20 Landlord 21 Get money from the business 23 Pray to God 24 School 25 Sell livestock / crops 27 Sell personal belongings eg clothes 28 Sell assets 95 Others 96 No one 98 Do not know 99 Not specified To whom do you usually turn - 4 1 Family / relative 2 Friend / neighbour 3 Employer 4 Community Based Organisation 5 Church 6 Financial institution 7 Microfinance institution 8 Informal lender e.g Savings Club / Chilimba, Money lender / 9 Illicit means 10 Service provider 11 Use alternatives 12 Carry out piece work 13 Take out personal savings 14 Police 15 Commercial farmers 16 Councillor / Headman 17 Government institutions 18 Clinic / Hospital / Health Centre 19 Go to zesco 20 Landlord 21 Get money from the business 23 Pray to God 24 School 25 Sell livestock / crops 27 Sell personal belongings eg clothes 28 Sell assets 95 Others 96 No one 98 Do not know 99 Not specified To whom do you usually turn - 5 1 Family / relative 2 Friend / neighbour 3 Employer 4 Community Based Organisation 5 Church 6 Financial institution 7 Microfinance institution 8 Informal lender e.g Savings Club / Chilimba, Money lender / 9 Illicit means 10 Service provider 11 Use alternatives 12 Carry out piece work 13 Take out personal savings 14 Police 15 Commercial farmers 16 Councillor / Headman 17 Government institutions 18 Clinic / Hospital / Health Centre 19 Go to zesco 20 Landlord 21 Get money from the business 23 Pray to God 24 School 25 Sell livestock / crops 27 Sell personal belongings eg clothes 28 Sell assets 95 Others 96 No one 98 Do not know 99 Not specified Services to send money - 1 1 Bank transfer at bank branch 2 Bank transfer by cellphone / telephone 3 Cheque 4 Funds transfer agencies (e.g. Western Union, Moneygram) 5 By courier service eg Mercury, DHL, Fedex 6 Cash received / delivered through third party eg. taxi-drive 7 Cash received / delivered in person 8 Swift Transfer 9 Through post office 10 By postal mail 11 Postal money order 12 Telegraphic transfer 95 Others 96 Don't send / receive money 99 Not specified Services to send money - 2 1 Bank transfer at bank branch 2 Bank transfer by cellphone / telephone 3 Cheque 4 Funds transfer agencies (e.g. Western Union, Moneygram) 5 By courier service eg Mercury, DHL, Fedex 6 Cash received / delivered through third party eg. taxi-drive 7 Cash received / delivered in person 8 Swift Transfer 9 Through post office 10 By postal mail 11 Postal money order 12 Telegraphic transfer 95 Others 96 Don't send / receive money Services to send money - 3 1 Bank transfer at bank branch 2 Bank transfer by cellphone / telephone 3 Cheque 4 Funds transfer agencies (e.g. Western Union, Moneygram) 5 By courier service eg Mercury, DHL, Fedex 6 Cash received / delivered through third party eg. taxi-drive 7 Cash received / delivered in person 8 Swift Transfer 9 Through post office 10 By postal mail 11 Postal money order 12 Telegraphic transfer 95 Others 96 Don't send / receive money Services to send money - 4 1 Bank transfer at bank branch 2 Bank transfer by cellphone / telephone 3 Cheque 4 Funds transfer agencies (e.g. Western Union, Moneygram) 5 By courier service eg Mercury, DHL, Fedex 6 Cash received / delivered through third party eg. taxi-drive 7 Cash received / delivered in person 8 Swift Transfer 9 Through post office 10 By postal mail 11 Postal money order 12 Telegraphic transfer 95 Others 96 Don't send / receive money Services to send money - 5 1 Bank transfer at bank branch 2 Bank transfer by cellphone / telephone 3 Cheque 4 Funds transfer agencies (e.g. Western Union, Moneygram) 5 By courier service eg Mercury, DHL, Fedex 6 Cash received / delivered through third party eg. taxi-drive 7 Cash received / delivered in person 8 Swift Transfer 9 Through post office 10 By postal mail 11 Postal money order 12 Telegraphic transfer 95 Others 96 Don't send / receive money Services to send money - 6 1 Bank transfer at bank branch 2 Bank transfer by cellphone / telephone 3 Cheque 4 Funds transfer agencies (e.g. Western Union, Moneygram) 5 By courier service eg Mercury, DHL, Fedex 6 Cash received / delivered through third party eg. taxi-drive 7 Cash received / delivered in person 8 Swift Transfer 9 Through post office 10 By postal mail 11 Postal money order 12 Telegraphic transfer 95 Others 96 Don't send / receive money To whom did you send money - 1 1 Family living in another rural village 2 Family living in another urban town 3 Family living in another country 4 Business in the country 5 Business in another country 6 Friend in another rural village 7 Friend in another town 8 Friend in another country 9 Government 10 Friend in same town 11 Family living in same town 12 Family living in same village 13 Family 14 Friend 15 Former employer 95 Others 99 Not specified To whom did you send money - 2 1 Family living in another rural village 2 Family living in another urban town 3 Family living in another country 4 Business in the country 5 Business in another country 6 Friend in another rural village 7 Friend in another town 8 Friend in another country 9 Government 10 Friend in same town 11 Family living in same town 12 Family living in same village 13 Family 14 Friend 15 Former employer 95 Others 99 Not specified To whom did you send money - 3 1 Family living in another rural village 2 Family living in another urban town 3 Family living in another country 4 Business in the country 5 Business in another country 6 Friend in another rural village 7 Friend in another town 8 Friend in another country 9 Government 10 Friend in same town 11 Family living in same town 12 Family living in same village 13 Family 14 Friend 15 Former employer 95 Others 99 Not specified To whom did you send money - 4 1 Family living in another rural village 2 Family living in another urban town 3 Family living in another country 4 Business in the country 5 Business in another country 6 Friend in another rural village 7 Friend in another town 8 Friend in another country 9 Government 10 Friend in same town 11 Family living in same town 12 Family living in same village 13 Family 14 Friend 15 Former employer 95 Others 99 Not specified To whom did you send money - 5 1 Family living in another rural village 2 Family living in another urban town 3 Family living in another country 4 Business in the country 5 Business in another country 6 Friend in another rural village 7 Friend in another town 8 Friend in another country 9 Government 10 Friend in same town 11 Family living in same town 12 Family living in same village 13 Family 14 Friend 15 Former employer 95 Others 99 Not specified To whom did you send money - 6 1 Family living in another rural village 2 Family living in another urban town 3 Family living in another country 4 Business in the country 5 Business in another country 6 Friend in another rural village 7 Friend in another town 8 Friend in another country 9 Government 10 Friend in same town 11 Family living in same town 12 Family living in same village 13 Family 14 Friend 15 Former employer 95 Others 99 Not specified How often do you send money 1 Weekly 2 Monthly 3 Quarterly 4 No specific pattern 5 Twice every 3 months 6 Every two months 7 Twice each school term 8 Each school term 9 Twice a year 10 Yearly 95 Others 99 Not specified Reasons for choosing main method to send money - 1 1 It is easy to use 2 It is easy to get to 3 It is convenient 4 Transfer is fast 5 Transfer is safe 6 It is affordable 7 It is the only one available to me 8 I do not know of any other means / no choice 9 It is cheaper 10 It is my employer who decides 11 It is free of charge 12 I can deliver in person 13 It gives me the opportunity to see / visit the person 14 It has been recommended by parents 15 I do not need to have a bank account 16 I am used to it 95 Others 98 Do not know 99 Not specified Reasons for choosing main method to send money - 2 1 It is easy to use 2 It is easy to get to 3 It is convenient 4 Transfer is fast 5 Transfer is safe 6 It is affordable 7 It is the only one available to me 8 I do not know of any other means / no choice 9 It is cheaper 10 It is my employer who decides 11 It is free of charge 12 I can deliver in person 13 It gives me the opportunity to see / visit the person 14 It has been recommended by parents 15 I do not need to have a bank account 16 I am used to it 95 Others 98 Do not know 99 Not specified Reasons for choosing main method to send money - 3 1 It is easy to use 2 It is easy to get to 3 It is convenient 4 Transfer is fast 5 Transfer is safe 6 It is affordable 7 It is the only one available to me 8 I do not know of any other means / no choice 9 It is cheaper 10 It is my employer who decides 11 It is free of charge 12 I can deliver in person 13 It gives me the opportunity to see / visit the person 14 It has been recommended by parents 15 I do not need to have a bank account 16 I am used to it 95 Others 98 Do not know 99 Not specified Reasons for choosing main method to send money - 4 1 It is easy to use 2 It is easy to get to 3 It is convenient 4 Transfer is fast 5 Transfer is safe 6 It is affordable 7 It is the only one available to me 8 I do not know of any other means / no choice 9 It is cheaper 10 It is my employer who decides 11 It is free of charge 12 I can deliver in person 13 It gives me the opportunity to see / visit the person 14 It has been recommended by parents 15 I do not need to have a bank account 16 I am used to it 95 Others 98 Do not know 99 Not specified Reasons for choosing main method to send money - 5 1 It is easy to use 2 It is easy to get to 3 It is convenient 4 Transfer is fast 5 Transfer is safe 6 It is affordable 7 It is the only one available to me 8 I do not know of any other means / no choice 9 It is cheaper 10 It is my employer who decides 11 It is free of charge 12 I can deliver in person 13 It gives me the opportunity to see / visit the person 14 It has been recommended by parents 15 I do not need to have a bank account 16 I am used to it 95 Others 98 Do not know 99 Not specified Reasons for choosing main method to send money - 6 1 It is easy to use 2 It is easy to get to 3 It is convenient 4 Transfer is fast 5 Transfer is safe 6 It is affordable 7 It is the only one available to me 8 I do not know of any other means / no choice 9 It is cheaper 10 It is my employer who decides 11 It is free of charge 12 I can deliver in person 13 It gives me the opportunity to see / visit the person 14 It has been recommended by parents 15 I do not need to have a bank account 16 I am used to it 95 Others 98 Do not know 99 Not specified Reasons for choosing main method to send money - 7 1 It is easy to use 2 It is easy to get to 3 It is convenient 4 Transfer is fast 5 Transfer is safe 6 It is affordable 7 It is the only one available to me 8 I do not know of any other means / no choice 9 It is cheaper 10 It is my employer who decides 11 It is free of charge 12 I can deliver in person 13 It gives me the opportunity to see / visit the person 14 It has been recommended by parents 15 I do not need to have a bank account 16 I am used to it 95 Others 98 Do not know 99 Not specified Regular sources of income - 1 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family in the country 12 Money from family outside the country 13 Money from friend in the country 14 Money from friend outside the country 15 Money from business investments in the country 16 Money from business investments outside the country 17 Money from family 18 Money from church 19 School fees 20 Work (not specified if self-employed or in paid employment) 21 Piece-work 95 Others 96 Do not receive income 99 Not specified Regular sources of income - 2 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family in the country 12 Money from family outside the country 13 Money from friend in the country 14 Money from friend outside the country 15 Money from business investments in the country 16 Money from business investments outside the country 17 Money from family 18 Money from church 19 School fees 20 Work (not specified if self-employed or in paid employment) 21 Piece-work 95 Others 96 Do not receive income 99 Not specified Regular sources of income - 3 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family in the country 12 Money from family outside the country 13 Money from friend in the country 14 Money from friend outside the country 15 Money from business investments in the country 16 Money from business investments outside the country 17 Money from family 18 Money from church 19 School fees 20 Work (not specified if self-employed or in paid employment) 21 Piece-work 95 Others 96 Do not receive income 99 Not specified Regular sources of income - 4 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family in the country 12 Money from family outside the country 13 Money from friend in the country 14 Money from friend outside the country 15 Money from business investments in the country 16 Money from business investments outside the country 17 Money from family 18 Money from church 19 School fees 20 Work (not specified if self-employed or in paid employment) 21 Piece-work 95 Others 96 Do not receive income 99 Not specified MAIN SOURCE OF INCOME 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family in the country 12 Money from family outside the country 13 Money from friend in the country 14 Money from friend outside the country 15 Money from business investments in the country 16 Money from business investments outside the country 17 Money from family 18 Money from church 19 School fees 20 Work (not specified if self-employed or in paid employment) 21 Piece-work 95 Others 96 Do not receive income 99 Not specified Ways of receiving money - SALARIES/WAGES FROM A COMPANY/BUSINESS_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SALARIES/WAGES FROM A COMPANY/BUSINESS_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SALARIES/WAGES FROM A COMPANY/BUSINESS_3 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SALARIES/WAGES FROM A FARM_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SALARIES/WAGES FROM A FARM_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SALARIES/WAGES FROM AN INDIVIDUAL_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SALARIES/WAGES FROM AN INDIVIDUAL_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SELF-EMPLOYED IN BUSINESS_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SELF-EMPLOYED IN BUSINESS_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SELF-EMPLOYED IN BUSINESS_3 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SELF-EMPLOYED IN FARMING_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SELF-EMPLOYED IN FARMING_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SELF-EMPLOYED IN FARMING_3 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - RENTAL INCOME 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - PRIVATE PENSION 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - STATE PENSION 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MAINTENANCE GRANTS 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - INTERESTS ON FINANCIAL INSTRUMENTS 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FAMILY IN THE COUNTRY_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FAMILY IN THE COUNTRY_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FAMILY IN THE COUNTRY_3 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FAMILY IN THE COUNTRY_4 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FAMILY OUTSIDE THE COUNTRY_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FAMILY OUTSIDE THE COUNTRY_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FRIEND IN THE COUNTRY_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FRIEND IN THE COUNTRY_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FRIEND IN THE COUNTRY_3 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FRIEND IN THE COUNTRY_4 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FRIEND OUTSIDE THE COUNTRY 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM BUSINESS INVESTMENTS IN THE COUNTRY_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM BUSINESS INVESTMENTS IN THE COUNTRY_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM BUSINESS INVESTMENTS IN THE COUNTRY_3 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FAMILY_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MONEY FROM FAMILY_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - MOENY FROM CHURCH 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SCHOOL FEES_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SCHOOL FEES_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - SCHOOL FEES_3 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID EMPLOY 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID EMPLOYMENT)_1 Ways of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID EMPLOY 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID EMPLOYMENT)_2 Ways of receiving money - PIECE WORK_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - PIECE WORK_2 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Ways of receiving money - OTHERS_1 1 Cash in person 2 Cash third party 3 Swift transfer 4 Western Union 5 Cheque 6 Into Bank Account 7 Other 99 Not specified Frequency of receiving money - SALARIES/WAGES FROM A COMPANY/BUSINESS 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - SALARIES/WAGES FROM A FARM 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - SALARIES/WAGES FROM AN INDIVIDUAL 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - SELF-EMPLOYED IN BUSINESS 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - SELF-EMPLOYED IN FARMING 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Ways of receiving money - RENTAL INCOME 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Ways of receiving money - PRIVATE PENSION 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Ways of receiving money - STATE PENSION 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Ways of receiving money - MAINTENANCE GRANTS 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Ways of receiving money - INTERESTS ON FINANCIAL INSTRUMENTS 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - MONEY FROM FAMILY IN THE COUNTRY 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - MONEY FROM FAMILY OUTSIDE THE COUNTRY 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - MONEY FROM FRIEND IN THE COUNTRY 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - MONEY FROM FRIEND OUTSIDE THE COUNTRY 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - MONEY FROM BUSINESS INVESTMENTS IN THE COUNTRY 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - MONEY FROM FAMILY 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - MONEY FROM CHURCH 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - SCHOOL FEES 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID E 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - WORK (NOT SPECIFIED IF SELF-EMPLOYED OR IN PAID EMPLOYMENT) Frequency of receiving money - PIECE WORK 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Frequency of receiving money - OTHERS 1 Daily 2 Weekly 3 Twice a month 4 Monthly 5 Less often 99 Not specified Prefer money to be paid to you by 1 Cash 2 Cheque 3 Into bank account 4 In kind 5 Partly cash, partly into bank account 95 Others 96 No preference 99 Not specified Main source of income - Industries/Sectors 1 Agriculture 2 Forestry 3 Fishing 4 Mining 5 Manufacturing 6 Electricity, gas & water 7 Construction 8 Trading 9 Tourism / Restaurants, bars & hotels 10 Transport, storage & communications 11 Financial institutions and insurance 12 Real estate & business services 13 Public Service sector 14 Donor / AID / NGO sector 17 Engineering 18 Sport 19 Entertainment 20 Informal finance 21 Blacksmith business 22 Hunting 23 Carpentry 24 Gardening 25 Domestic work 26 Education 27 Security services 28 Health 29 Other elementary occupations 30 Pension / State pension 31 Assistance from others 90 No specific industry / sector 95 Others 96 None 99 Not specified Other industries / sectors - 1 1 Agriculture 2 Forestry 3 Fishing 4 Mining 5 Manufacturing 6 Electricity, gas & water 7 Construction 8 Trading 9 Tourism / Restaurants, bars & hotels 10 Transport, storage & communications 11 Financial institutions and insurance 12 Real estate & business services 13 Public Service sector 14 Donor / AID / NGO sector 17 Engineering 18 Sport 19 Entertainment 20 Informal finance 21 Blacksmith business 22 Hunting 23 Carpentry 24 Gardening 25 Domestic work 26 Education 27 Security services 28 Health 29 Other elementary occupations 30 Pension / State pension 31 Assistance from others 90 No specific industry / sector 95 Others 96 None 99 Not specified Other industries / sectors - 2 1 Agriculture 2 Forestry 3 Fishing 4 Mining 5 Manufacturing 6 Electricity, gas & water 7 Construction 8 Trading 9 Tourism / Restaurants, bars & hotels 10 Transport, storage & communications 11 Financial institutions and insurance 12 Real estate & business services 13 Public Service sector 14 Donor / AID / NGO sector 17 Engineering 18 Sport 19 Entertainment 20 Informal finance 21 Blacksmith business 22 Hunting 23 Carpentry 24 Gardening 25 Domestic work 26 Education 27 Security services 28 Health 29 Other elementary occupations 30 Pension / State pension 31 Assistance from others 90 No specific industry / sector 95 Others 96 None 99 Not specified Other industries / sectors - 3 1 Agriculture 2 Forestry 3 Fishing 4 Mining 5 Manufacturing 6 Electricity, gas & water 7 Construction 8 Trading 9 Tourism / Restaurants, bars & hotels 10 Transport, storage & communications 11 Financial institutions and insurance 12 Real estate & business services 13 Public Service sector 14 Donor / AID / NGO sector 17 Engineering 18 Sport 19 Entertainment 20 Informal finance 21 Blacksmith business 22 Hunting 23 Carpentry 24 Gardening 25 Domestic work 26 Education 27 Security services 28 Health 29 Other elementary occupations 30 Pension / State pension 31 Assistance from others 90 No specific industry / sector 95 Others 96 None 99 Not specified Type of farm 1 Small Scale Farming 2 Small Holding 3 Commercial Farm 99 Not specified Ownership of farm 1 Rented 2 Owned by you 3 Owned by somebody else in the household 4 Owned by somebody else not in the household 5 Owned by cooperative society 6 Owned by family 7 Owned by government 8 Owned by employer 9 Owned by school 10 Traditional land / farm 11 Funded by a donor 95 Others 98 Do not know 99 Not specified Have Title Deeds 1 Yes 2 No 3 Don't know 99 Not specified Financing for agricultural inputs 1 Yes 2 No 99 Not specified Finance provider - 1 1 Bank loan 2 Government Finance Scheme 3 Outgrowers Finance Scheme 4 Microfinance Institution Loan 5 Co-operative Financing Scheme 6 NGO/Donor Financing Scheme 7 Family / Friend / Neighbour 8 Self 9 Faith organisation 10 Grants 95 Others 99 Mot specified Finance provider - 2 1 Bank loan 2 Government Finance Scheme 3 Outgrowers Finance Scheme 4 Microfinance Institution Loan 5 Co-operative Financing Scheme 6 NGO/Donor Financing Scheme 7 Family / Friend / Neighbour 8 Self 9 Faith organisation 10 Grants 95 Others Finance provider - 3 1 Bank loan 2 Government Finance Scheme 3 Outgrowers Finance Scheme 4 Microfinance Institution Loan 5 Co-operative Financing Scheme 6 NGO/Donor Financing Scheme 7 Family / Friend / Neighbour 8 Self 9 Faith organisation 10 Grants 95 Others Repayment - BANK LOAN 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - GOVERNMENT FINANCE SCHEME_1 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - GOVERNMENT FINANCE SCHEME_2 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - GOVERNMENT FINANCE SCHEME_3 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - GOVERNMENT FINANCE SCHEME_4 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - OUTGROWERS FINANCE SCHEME_1 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - OUTGROWERS FINANCE SCHEME_2 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - MICROFINANCE INSTITUTION LOAN 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - CO-OPERATIVE FINANCING SCHEME_1 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - CO-OPERATIVE FINANCING SCHEME_2 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - NGO/DONOR FINANCING SCHEME_1 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - NGO/DONOR FINANCING SCHEME_2 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - FAMILY/FRIEND/NEIGHBOUR_1 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - FAMILY/FRIEND/NEIGHBOUR_2 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - SELF_1 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - SELF_2 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - SELF_3 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - SELF_4 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - FAITH ORGANISATION 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - GRANTS 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - OTHER_1 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified Repayment - OTHER_2 1 Cash 2 Harvested Crop 3 Livestock & By-products 4 Labour 5 Seeds 6 Not Applicable 7 Produce 8 Contribution to price of fertilizers 9 Deduct from salary 95 Others 97 Do not pay 99 Not specified CLEAR FINANCIAL OBLIGATIONS 1 Yes 2 No 99 Not specified Personal loan from bank 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from bank to buy a vehicle 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from bank to buy a house 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from a Government Scheme to buy a house 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from a Microfinance Institution 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from an employer to buy a house 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from an employer to buy a vehicle 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Other loan from employer 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from family/friend to buy a house 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from family/friend to buy a vehicle 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Other loan from family/friend 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from an informal money lender/Kaloba 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan from Savings Club/Chilimba 1 Never Had It 2 Used to Have It 3 Have It Now and Use 4 Have It Now But Don't Use 99 Not specified Loan purpose - 1 1 For house renovation / extension 2 To purchase land 3 Money for my education 4 To pay for children's school fees 5 To start a business 6 To expand business 7 For a burial / funeral 8 For medical expenses 9 For travel or holiday 10 To buy food / clothing 11 To buy furniture / electrical appliances 12 To pay for water / electricity / telephone 13 To pay off debts 14 To purchase livestock 15 To purchase agricultural equipment 16 To care for a sick relative 17 To finance working capital of my business 18 To buy a vehicle 19 To buy a house 21 To buy agricultural inputs 22 To pay rentals 23 To buy timber 24 To save for something 25 To send to a family member 95 Others 98 Do not know 99 Not specified Loan purpose - 2 1 For house renovation / extension 2 To purchase land 3 Money for my education 4 To pay for children's school fees 5 To start a business 6 To expand business 7 For a burial / funeral 8 For medical expenses 9 For travel or holiday 10 To buy food / clothing 11 To buy furniture / electrical appliances 12 To pay for water / electricity / telephone 13 To pay off debts 14 To purchase livestock 15 To purchase agricultural equipment 16 To care for a sick relative 17 To finance working capital of my business 18 To buy a vehicle 19 To buy a house 21 To buy agricultural inputs 22 To pay rentals 23 To buy timber 24 To save for something 25 To send to a family member 95 Others 98 Do not know Loan purpose - 3 1 For house renovation / extension 2 To purchase land 3 Money for my education 4 To pay for children's school fees 5 To start a business 6 To expand business 7 For a burial / funeral 8 For medical expenses 9 For travel or holiday 10 To buy food / clothing 11 To buy furniture / electrical appliances 12 To pay for water / electricity / telephone 13 To pay off debts 14 To purchase livestock 15 To purchase agricultural equipment 16 To care for a sick relative 17 To finance working capital of my business 18 To buy a vehicle 19 To buy a house 21 To buy agricultural inputs 22 To pay rentals 23 To buy timber 24 To save for something 25 To send to a family member 95 Others 98 Do not know Loan provider FOR HOUSE RENOVATION/EXTENSION 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PURCHASE LAND 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider MONEY FOR MY EDUCATION 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PAY FOR CHILDREN'S SCHOOL FEES - 1 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PAY FOR CHILDREN'S SCHOOL FEES - 2 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO START A BUSINESS - 1 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO START A BUSINESS - 2 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO EXPAND BUSINESS - 1 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO EXPAND BUSINESS - 2 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider FOR A BURIAL/FUNERAL 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider FOR MEDICAL EXPENSES - 1 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider FOR MEDICAL EXPENSES - 2 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider FOR TRAVEL OR HOLIDAY 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO BUY FOOD/CLOTHING - 1 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO BUY FOOD/CLOTHING - 2 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO BUY FURNITURE/ELECTRIAL APPLIANCES 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PAY FOR WATER/ELECTRICITY/TELEPHONE - 1 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PAY FOR WATER/ELECTRICITY/TELEPHONE - 2 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PAY OFF DEBTS - 1 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PAY OFF DEBTS - 2 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PURCHASE LIVESTOCK 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PURCHASE AGRICULTURAL EQUIPMENT 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO CARE FOR A SICK RELATIVE 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO FINANCE WORKING CAPITAL OF MY BUSINESS 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO BUY A VEHICLE 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO BUY A HOUSE - 1 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO BUY A HOUSE - 2 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO BUY AGRICULTURAL INPUTS 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO PAY RENTALS 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO BUY TIMBER 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO SAVE FOR SOMETHING 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Loan provider TO SEND TO A FAMILY MEMBER 1 Bank 2 Building Society 3 Micro-finance Institution 4 Savings Club / Chilimba 5 Government Scheme 6 Informal Lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 99 Not specified Recall (Q43) - 1 Recall (Q43) - 2 Recall (Q43) - 3 Insurance cover - 1 1 Bank 2 Building Society 3 Microfinance Institution 4 Savings Club / Chilimba 5 Government Schemes 6 Informal lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 96 None 98 Don't know 99 Not specified Insurance cover - 2 1 Bank 2 Building Society 3 Microfinance Institution 4 Savings Club / Chilimba 5 Government Schemes 6 Informal lender / Kaloba 7 Employer 8 Family / Friend / Neighbour 96 None 98 Don't know 99 Not specified Reasons for missing a payment - 1 1 The provider of the loan did not contact me to receive payme 2 I had unexpected expenses and could not pay 3 I did not think I needed to pay the loan back at this time 4 I forgot to pay 5 I thought I would try and see if the provider of the loan wo 6 I could not get transport 7 My employer did not give me my salary 8 I was sick 9 I lost my job 10 I was looking after a family member who was sick 11 I did not have the money 12 I was attending a funeral 13 My business was not running well 95 Others 97 I have never missed a payment on my loan 99 Not specified Reasons for missing a payment - 2 1 The provider of the loan did not contact me to receive payme 2 I had unexpected expenses and could not pay 3 I did not think I needed to pay the loan back at this time 4 I forgot to pay 5 I thought I would try and see if the provider of the loan wo 6 I could not get transport 7 My employer did not give me my salary 8 I was sick 9 I lost my job 10 I was looking after a family member who was sick 11 I did not have the money 12 I was attending a funeral 13 My business was not running well 95 Others 97 I have never missed a payment on my loan Reasons for missing a payment - 3 1 The provider of the loan did not contact me to receive payme 2 I had unexpected expenses and could not pay 3 I did not think I needed to pay the loan back at this time 4 I forgot to pay 5 I thought I would try and see if the provider of the loan wo 6 I could not get transport 7 My employer did not give me my salary 8 I was sick 9 I lost my job 10 I was looking after a family member who was sick 11 I did not have the money 12 I was attending a funeral 13 My business was not running well 95 Others 97 I have never missed a payment on my loan Factors to consider when getting a loan from - 1 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Factors to consider when getting a loan from - 2 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Factors to consider when getting a loan from - 3 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Factors to consider when getting a loan from - 4 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Factors to consider when getting a loan from - 5 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Factors to consider when getting a loan from - 6 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Factors to consider when getting a loan from - 7 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Factors to consider when getting a loan from - 8 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Factors to consider when getting a loan from - 9 1 Get the loan / money as soon as possible 2 Low interest rate 3 Repayment period 4 Affordable monthly instalments / repayments 5 Flexibility of repayments 6 No credit checking 7 No proof of employment required 8 Trustworthiness of loan provider 9 Easy access to loan provider 10 Familiarity with loan provider 11 Quality of service provided 12 Past experience with the service provider 13 Amount of loan provided 14 Service provider is understanding 15 Recommendation by others 16 Availability of service providers 17 Benefits from the loan 18 Guarantee / security needed 19 Commitment by the bank 20 The bank where I have my savings 21 My income / future income 23 Advice given by service provider 24 Reliability of service provider 25 Bank charges / penalty fees 26 Convenience 27 Conditions to obtain a loan 28 Type / purpose of loan 29 No interest 30 Religious reasons 95 Others 96 None 97 Will not take any loan / Am not aware of loans 98 Do not know 99 Not specified Have you been refused a loan 1 Yes 2 No 99 Not specified Reason for refusal - 1 1 No account held with the bank 2 No credible references 3 No identity document 4 No permanent address 5 No pay slip 6 Income too low 7 Do not have formal employment 8 Have too many other debts 9 Cannot provide collateral 10 Bank branch was closed 11 Because of current government scheme 12 Corrupted loan officers 13 Application deadline was over 14 Delay 15 I did not look serious 16 It was not the right time 17 Favoritism 18 Loan provider had problems / had no money 19 I did not qualify 95 Others 98 Don't know / No reason 99 Not specified Reason for refusal - 2 1 No account held with the bank 2 No credible references 3 No identity document 4 No permanent address 5 No pay slip 6 Income too low 7 Do not have formal employment 8 Have too many other debts 9 Cannot provide collateral 10 Bank branch was closed 11 Because of current government scheme 12 Corrupted loan officers 13 Application deadline was over 14 Delay 15 I did not look serious 16 It was not the right time 17 Favoritism 18 Loan provider had problems / had no money 19 I did not qualify 95 Others 98 Don't know / No reason 99 Not specified Reason for refusal - 3 1 No account held with the bank 2 No credible references 3 No identity document 4 No permanent address 5 No pay slip 6 Income too low 7 Do not have formal employment 8 Have too many other debts 9 Cannot provide collateral 10 Bank branch was closed 11 Because of current government scheme 12 Corrupted loan officers 13 Application deadline was over 14 Delay 15 I did not look serious 16 It was not the right time 17 Favoritism 18 Loan provider had problems / had no money 19 I did not qualify 95 Others 98 Don't know / No reason 99 Not specified Reason for refusal - 4 1 No account held with the bank 2 No credible references 3 No identity document 4 No permanent address 5 No pay slip 6 Income too low 7 Do not have formal employment 8 Have too many other debts 9 Cannot provide collateral 10 Bank branch was closed 11 Because of current government scheme 12 Corrupted loan officers 13 Application deadline was over 14 Delay 15 I did not look serious 16 It was not the right time 17 Favoritism 18 Loan provider had problems / had no money 19 I did not qualify 95 Others 98 Don't know / No reason 99 Not specified Most important item to pay - 1 1 Rent 2 Electricity bills 3 Water bills 4 Telephone / cellphone bills 5 Food 6 Clothing 7 Medical expenses 8 School / tuition fees 9 Fuel - Charcoal / Wood 10 Petrol / Diesel 11 Credit from local store 12 Chilimba / savings club contribution 13 Loan from bank 14 Loan from microfinance institution 15 Loan from informal lender / Kaloba 16 Agricultural inputs (fertilizers, seeds, livestock, etc.) 17 Alcoholic drinks 18 Household expenses / bills 20 Business expenses 21 Expenses for vehicle 22 Equipment 24 Church offering 25 Personal needs (hair cut, cosmetics...) 26 Entertainment 27 Assistance to family / relatives 28 Home improvement 29 Debts 31 Transport expenses 32 Social events 33 Holiday expenses 34 Assistance to friends / others in need 95 Others 96 None 98 Do not know 99 Not specified Most important item to pay - 2 1 Rent 2 Electricity bills 3 Water bills 4 Telephone / cellphone bills 5 Food 6 Clothing 7 Medical expenses 8 School / tuition fees 9 Fuel - Charcoal / Wood 10 Petrol / Diesel 11 Credit from local store 12 Chilimba / savings club contribution 13 Loan from bank 14 Loan from microfinance institution 15 Loan from informal lender / Kaloba 16 Agricultural inputs (fertilizers, seeds, livestock, etc.) 17 Alcoholic drinks 18 Household expenses / bills 20 Business expenses 21 Expenses for vehicle 22 Equipment 24 Church offering 25 Personal needs (hair cut, cosmetics...) 26 Entertainment 27 Assistance to family / relatives 28 Home improvement 29 Debts 31 Transport expenses 32 Social events 33 Holiday expenses 34 Assistance to friends / others in need 95 Others 96 None 98 Do not know 99 Not specified Most important item to pay - 3 1 Rent 2 Electricity bills 3 Water bills 4 Telephone / cellphone bills 5 Food 6 Clothing 7 Medical expenses 8 School / tuition fees 9 Fuel - Charcoal / Wood 10 Petrol / Diesel 11 Credit from local store 12 Chilimba / savings club contribution 13 Loan from bank 14 Loan from microfinance institution 15 Loan from informal lender / Kaloba 16 Agricultural inputs (fertilizers, seeds, livestock, etc.) 17 Alcoholic drinks 18 Household expenses / bills 20 Business expenses 21 Expenses for vehicle 22 Equipment 24 Church offering 25 Personal needs (hair cut, cosmetics...) 26 Entertainment 27 Assistance to family / relatives 28 Home improvement 29 Debts 31 Transport expenses 32 Social events 33 Holiday expenses 34 Assistance to friends / others in need 95 Others 96 None 98 Do not know 99 Not specified Unable to pay bills and debts 1 Never 2 Yes, once or twice 3 Yes, many times 99 Not specified Borrow money from family/friend/neighbour 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Borrow money from a bank 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Borrow money from a microfinance institution 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Liquidate assets 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Use own savings 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Borrow money from a savings club/chilimba 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Borrow money from a money lender/kaloba 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Accept donation 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Trade goods 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Do nothing 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Get advanced salary from employer 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Wait until next farming period / wait until money is in 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Explain the situation to the person / Negotiate for more time to pay 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Use rentals 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Borrow from employer 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Carry out some piece work 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Claim money from debtors 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Ask assistance from social welfare organisations 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Use family savings 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Pray 1 Yes, I have done this before 2 I could not do this 3 I chose not to do this 99 Not specified Proportion of monthly income used to pay off debts 1 I have no debt 2 Less than a quarter 3 About a quarter 4 About half (two quarters) 5 About three quarters 6 More than three quarters 98 Do not know 99 Not specified Ways of investing or growing money - 1 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 2 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 3 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 4 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 5 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 6 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 7 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 8 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 9 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 10 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 11 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 13 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 14 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 15 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 16 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 17 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 18 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 19 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Ways of investing or growing money - 20 1 Investment in another house / flat / property that you rent 2 Investment in a plot of vacant land - residential or commerc 3 Investment in land for agricultural usage 4 Investment in cattle or livestock 5 Investment in agricultural equipment 6 Shares on the stock exchange 7 Investment in your own existing business 8 Investment in somebody else's business 9 Treasury Bills / Government Bonds 10 Unit trusts 11 Invest in other countries 12 Starting a business 13 Lending money to other people and benefiting from their prof 14 Life insurance 15 Improving your home 16 Voluntary contributions to a pension 17 Pay loan faster or settle outstanding balance sooner 18 Savings product with an MFI 19 Savings product with an insurance company 99 Not specified Investment in another house / flat / property that you rent out 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Investment in a plot of vacant land - residential or commercial 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Investment in land for agricultural usage 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Investment in cattle or livestock 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Investment in agricultural equipment 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Shares on the stock exchange 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Investment in your own existing business 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Investment in somebody else's business 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Treasury Bills / Government Bonds 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Unit trusts 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Invest in other countries 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Starting a business 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Lending money to other people and benefiting from their profit or earning intere 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Lending money to other people and benefiting from their profit or earning interest from them Life insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Improving your home 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Voluntary contributions to a pension 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Pay loan faster or settle outstanding balance sooner 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Savings product with an MFI 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Savings product with an insurance company 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Are you able to save regularly? 1 Yes 2 No 99 Not specified Frequency of putting money away 1 Daily basis 2 Weekly basis 3 Monthly basis 4 Quarterly basis 5 Yearly basis 99 Not specified Factors considered when thinking about where to keep your savings - 1 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 2 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 3 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 4 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 5 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 6 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 7 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 8 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 9 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 10 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 11 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when thinking about where to keep your savings - 12 1 Safety 2 Ability to get the money at any time and any frequency 3 Ability to deposit money at any time 4 Ability to take out and put money in, in small amounts 5 Trust 6 Good interest rate 7 It is physically close 8 A welcoming place 9 Can easily get information about current amount of savings 10 Minimum bank charges/Service fees 11 Limited paperwork 12 Reliability of the bank 13 Availability of loans 95 Others 99 Not specified Factors considered when deciding to keep money - 1 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 2 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 3 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 4 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 5 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 6 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 7 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 8 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 9 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 10 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 11 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Factors considered when deciding to keep money - 12 1 Political Environment 2 Cost of everyday goods and services 3 Cost of fuel/diesel 4 Availability of fuel/diesel 5 Bank prime rate 6 Interest rates on loans 7 Interest rates on bank's Savings Account 8 Treasury Bill interest rate 9 Availability of food in the marketplace 10 Lusaka Stock Exchange Index 11 Inflation Rate 12 Exchange Rate 13 Investment returns 14 Ability to get the money at any time 15 Weather conditions 16 Amount of school fees to be paid 17 Unforeseen emergencies 18 Location / availability of banks 19 Availability of farming inputs 20 Loan facilities 21 Amount of money available for savings / Amount of income 22 Reliability of bank 23 Ability to withdraw money in small amounts 24 Cost of living 25 Transport costs 26 Expansion of business 28 Family needs 29 Safety of the place / crime rate 31 Minimum balance requirement 32 Location of business 95 Others 96 None of the above 98 Do not know 99 Not specified Motor Vehicle Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Travel Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Domestic / Houshold Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Funeral Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified All Risks Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Medical Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Health Cover (Doctor) 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Agricultural Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Life insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Personal Injury / Accident Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Property Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Money Insurance 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Pension / NAPSA 1 Never Had It 2 Used to Have It 3 Have It Now 99 Not specified Insurance Company - 1 1 Madison Insurance Company 2 NICO Insurance Zambia Ltd 3 Professional Insurance Corporation Zambia Ltd 4 Zambia State Insurance Corporation 5 Goldman Insurance Ltd 6 Cavmont Capital Corporation Ltd 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 African Life Insurance 10 Hospital Scheme 11 Government (Pension) Scheme 12 napsa 13 Mukuba Pensions 15 National Pension Board 16 Outsurance (SA) 17 Public Service Commission Pension 18 Public Service Pension Authority 20 From employer 95 Others 98 Do not know 99 Not specified Insurance Company - 2 1 Madison Insurance Company 2 NICO Insurance Zambia Ltd 3 Professional Insurance Corporation Zambia Ltd 4 Zambia State Insurance Corporation 5 Goldman Insurance Ltd 6 Cavmont Capital Corporation Ltd 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 African Life Insurance 10 Hospital Scheme 11 Government (Pension) Scheme 12 napsa 13 Mukuba Pensions 15 National Pension Board 16 Outsurance (SA) 17 Public Service Commission Pension 18 Public Service Pension Authority 20 From employer 95 Others 98 Do not know 99 Not specified Insurance Company - 3 1 Madison Insurance Company 2 NICO Insurance Zambia Ltd 3 Professional Insurance Corporation Zambia Ltd 4 Zambia State Insurance Corporation 5 Goldman Insurance Ltd 6 Cavmont Capital Corporation Ltd 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 African Life Insurance 10 Hospital Scheme 11 Government (Pension) Scheme 12 napsa 13 Mukuba Pensions 15 National Pension Board 16 Outsurance (SA) 17 Public Service Commission Pension 18 Public Service Pension Authority 20 From employer 95 Others 98 Do not know 99 Not specified Main employment status 1 I am self-employed - formal sector, e.g. own formal business 2 I am self-employed - informal sector, e.g. trader, fisherman 3 I am a full-time salaried employee 4 I am a part-time salaried employee 5 I am a housewife 6 I am not working but looking for a job 7 I am not working and not looking for a job 8 Pensioner / Retired 9 I am a student / studying 10 Businessman 11 Sell beer 12 Farming 13 I am not working 14 Cameraman 15 Casual worker 16 Charcoal burner 17 Cook 18 Domestic worker 19 Entertainer 20 Landlord 21 Give extra lessons 22 I am self-employed 23 Money lender 24 Dressmaker 25 Pastor 27 Football player 28 I am a salaried employee 29 Charcoal seller 30 Transport worker 95 Others 99 Not specified Other means of generating income 1 Yes 2 No 99 Not specified Other income activity - 1 1 I am self-employed - formal sector, e.g. own formal business 2 I am self-employed - informal sector, e.g. trader, fisherman 3 I am a full-time salaried employee 4 I am a part-time salaried employee 5 I am a housewife 6 I am not working but looking for a job 7 I am not working and not looking for a job 8 Pensioner / Retired 9 I am a student / studying 10 Businessman 11 Sell beer 12 Farming 13 I am not working 14 Cameraman 15 Casual worker 16 Charcoal burner 17 Cook 18 Domestic worker 19 Entertainer 20 Landlord 21 Give extra lessons 22 I am self-employed 23 Money lender 24 Dressmaker 25 Pastor 27 Football player 28 I am a salaried employee 29 Charcoal seller 30 Transport worker 95 Others 99 Not specified Other income activity - 2 1 I am self-employed - formal sector, e.g. own formal business 2 I am self-employed - informal sector, e.g. trader, fisherman 3 I am a full-time salaried employee 4 I am a part-time salaried employee 5 I am a housewife 6 I am not working but looking for a job 7 I am not working and not looking for a job 8 Pensioner / Retired 9 I am a student / studying 10 Businessman 11 Sell beer 12 Farming 13 I am not working 14 Cameraman 15 Casual worker 16 Charcoal burner 17 Cook 18 Domestic worker 19 Entertainer 20 Landlord 21 Give extra lessons 22 I am self-employed 23 Money lender 24 Dressmaker 25 Pastor 27 Football player 28 I am a salaried employee 29 Charcoal seller 30 Transport worker 95 Others 99 Not specified Agree that you have your own business 1 Yes 2 No 99 Not specified Number of businesses 1 One 2 Two 3 Three 4 Four or more 99 Not specified Is your business activity registered 1 Yes 2 No 99 Not specified Make all or most of the decisions 1 Yes 2 No 99 Not specified Part-time or full-time employees 1 Yes 2 No 99 Not specified Number of employees 1 1-5 2 6-10 3 11-30 4 31-50 5 51-100 6 More than 100 99 Not specified Do you pay employees in cash, in kind, or both? 1 In cash 2 In kind 3 Both in cash and in kind 4 Do not pay 99 Not specified Payment method - 1 1 Bank deposit / transfer 2 Cash 3 Cheque 99 Not specified Payment method - 2 1 Bank deposit / transfer 2 Cash 3 Cheque 99 Not specified Pay service providers/suppliers - 1 1 Bank transfer through bank branch 2 Bank transfer at ATM / Cashpoint 3 Bank transfer by cellphone / telephone 4 Cheque 5 Western Union 6 By Courier Service eg Mercury, DHL, Fedex 7 Cash received / delivered through third party eg. taxi-drive 8 Cash received / delivered in person 9 Pay on credit 10 Pay in kind 95 Others 96 Do not deal with any service provider / supplier 99 Not specified Pay service providers/suppliers - 2 1 Bank transfer through bank branch 2 Bank transfer at ATM / Cashpoint 3 Bank transfer by cellphone / telephone 4 Cheque 5 Western Union 6 By Courier Service eg Mercury, DHL, Fedex 7 Cash received / delivered through third party eg. taxi-drive 8 Cash received / delivered in person 9 Pay on credit 10 Pay in kind 95 Others 96 Do not deal with any service provider / supplier 99 Not specified Pay service providers/suppliers - 3 1 Bank transfer through bank branch 2 Bank transfer at ATM / Cashpoint 3 Bank transfer by cellphone / telephone 4 Cheque 5 Western Union 6 By Courier Service eg Mercury, DHL, Fedex 7 Cash received / delivered through third party eg. taxi-drive 8 Cash received / delivered in person 9 Pay on credit 10 Pay in kind 95 Others 96 Do not deal with any service provider / supplier 99 Not specified Keep cash to run the business - 1 1 In a bank 2 At home 3 At my business 4 Carry it with me always 5 Give it to someone else for safekeeping 6 Invest in goods / Spend it 7 At chilimba / saving club 95 Others 99 Refuse to disclose / Not specified Keep cash to run the business - 2 1 In a bank 2 At home 3 At my business 4 Carry it with me always 5 Give it to someone else for safekeeping 6 Invest in goods / Spend it 7 At chilimba / saving club 95 Others 99 Refuse to disclose / Not specified Keep cash to run the business - 3 1 In a bank 2 At home 3 At my business 4 Carry it with me always 5 Give it to someone else for safekeeping 6 Invest in goods / Spend it 7 At chilimba / saving club 95 Others 99 Refuse to disclose / Not specified Separate bank account 1 Yes 2 No 99 Not specified Bank for business activity - 1 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 95 Others 96 None Bank for business activity - 2 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 95 Others 96 None Bank for business activity - 3 1 African Banking Corporation Zambia Ltd 2 Bank of China (Z) Ltd 3 Barclays Bank of Zambia Ltd 4 Cavmont Capital Bank Plc 5 Citibank Zambia Ltd 6 Development Bank of Zambia (DBZ) 7 Finance Bank Zambia Ltd 8 Finance Building Society 9 First Alliance Bank Zambia Ltd 10 Indo-Zambia Bank Ltd 11 Intermarket Banking Corporation (Z) Ltd 12 Investrust Bank Plc 13 National Savings and Credit Bank of Zambia 14 Pan African Building Society 15 Stanbic Bank Zambia Ltd 16 Standard Chartered Bank Plc 17 Zambia National Building Society 18 Zambia National Commercial Bank (ZNCB) PLC 95 Others 96 None Manage with unexpected event - 1 1 Claim on your insurance 2 Borrow money from bank 3 Borrow money from microfinance instritution 4 Borrow money from family / friend / neighbour 5 Borrow money from moneylender / Kaloba 6 Use savings 7 Sell business 8 Sell assets 9 Accept Donation 10 Ask assistance from other people 11 Borrow money from savings club 12 Borrow money from suppliers 13 Invest in agriculture 14 Wait for the next yield 15 Do other business 16 Carry out piece work 17 Pray God 18 Seek assistance from the police 19 Sell agricultural products / livestock 20 Start work over again 21 Close business 23 Use / wait for salary 25 Ask the Church for help 95 Others 96 Do nothing 98 Do not know 99 Not specified Manage with unexpected event - 2 1 Claim on your insurance 2 Borrow money from bank 3 Borrow money from microfinance instritution 4 Borrow money from family / friend / neighbour 5 Borrow money from moneylender / Kaloba 6 Use savings 7 Sell business 8 Sell assets 9 Accept Donation 10 Ask assistance from other people 11 Borrow money from savings club 12 Borrow money from suppliers 13 Invest in agriculture 14 Wait for the next yield 15 Do other business 16 Carry out piece work 17 Pray God 18 Seek assistance from the police 19 Sell agricultural products / livestock 20 Start work over again 21 Close business 23 Use / wait for salary 25 Ask the Church for help 95 Others 96 Do nothing 98 Do not know 99 Not specified Manage with unexpected event - 3 1 Claim on your insurance 2 Borrow money from bank 3 Borrow money from microfinance instritution 4 Borrow money from family / friend / neighbour 5 Borrow money from moneylender / Kaloba 6 Use savings 7 Sell business 8 Sell assets 9 Accept Donation 10 Ask assistance from other people 11 Borrow money from savings club 12 Borrow money from suppliers 13 Invest in agriculture 14 Wait for the next yield 15 Do other business 16 Carry out piece work 17 Pray God 18 Seek assistance from the police 19 Sell agricultural products / livestock 20 Start work over again 21 Close business 23 Use / wait for salary 25 Ask the Church for help 95 Others 96 Do nothing 98 Do not know 99 Not specified Manage with unexpected event - 4 1 Claim on your insurance 2 Borrow money from bank 3 Borrow money from microfinance instritution 4 Borrow money from family / friend / neighbour 5 Borrow money from moneylender / Kaloba 6 Use savings 7 Sell business 8 Sell assets 9 Accept Donation 10 Ask assistance from other people 11 Borrow money from savings club 12 Borrow money from suppliers 13 Invest in agriculture 14 Wait for the next yield 15 Do other business 16 Carry out piece work 17 Pray God 18 Seek assistance from the police 19 Sell agricultural products / livestock 20 Start work over again 21 Close business 23 Use / wait for salary 25 Ask the Church for help 95 Others 96 Do nothing 98 Do not know 99 Not specified Manage with unexpected event - 5 1 Claim on your insurance 2 Borrow money from bank 3 Borrow money from microfinance instritution 4 Borrow money from family / friend / neighbour 5 Borrow money from moneylender / Kaloba 6 Use savings 7 Sell business 8 Sell assets 9 Accept Donation 10 Ask assistance from other people 11 Borrow money from savings club 12 Borrow money from suppliers 13 Invest in agriculture 14 Wait for the next yield 15 Do other business 16 Carry out piece work 17 Pray God 18 Seek assistance from the police 19 Sell agricultural products / livestock 20 Start work over again 21 Close business 23 Use / wait for salary 25 Ask the Church for help 95 Others 96 Do nothing 98 Do not know 99 Not specified Manage with unexpected event - 6 1 Claim on your insurance 2 Borrow money from bank 3 Borrow money from microfinance instritution 4 Borrow money from family / friend / neighbour 5 Borrow money from moneylender / Kaloba 6 Use savings 7 Sell business 8 Sell assets 9 Accept Donation 10 Ask assistance from other people 11 Borrow money from savings club 12 Borrow money from suppliers 13 Invest in agriculture 14 Wait for the next yield 15 Do other business 16 Carry out piece work 17 Pray God 18 Seek assistance from the police 19 Sell agricultural products / livestock 20 Start work over again 21 Close business 23 Use / wait for salary 25 Ask the Church for help 95 Others 96 Do nothing 98 Do not know 99 Not specified Financing the start-up of your business - 1 1 Through a Loan of any Kind 2 Personal Savings 3 Inheritance 4 Terminal Benefits 5 Pensions 6 Sale of previous business 7 Assistance from family / friend / neighbour 9 By carrying out work 10 Dispose of assets 11 Donations 12 Sale of agricultural produce / livestock 13 Through an association 95 Others 99 Not specified Financing the start-up of your business - 2 1 Through a Loan of any Kind 2 Personal Savings 3 Inheritance 4 Terminal Benefits 5 Pensions 6 Sale of previous business 7 Assistance from family / friend / neighbour 9 By carrying out work 10 Dispose of assets 11 Donations 12 Sale of agricultural produce / livestock 13 Through an association 95 Others 99 Not specified Financing the start-up of your business - 3 1 Through a Loan of any Kind 2 Personal Savings 3 Inheritance 4 Terminal Benefits 5 Pensions 6 Sale of previous business 7 Assistance from family / friend / neighbour 9 By carrying out work 10 Dispose of assets 11 Donations 12 Sale of agricultural produce / livestock 13 Through an association 95 Others 99 Not specified Why you did not start up your business with a loan... 1 Did not apply for a loan 2 Loan was turned down 99 Not specified Reason for not applying for a loan - 1 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 2 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 3 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 4 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 5 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 6 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 7 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 8 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 9 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 10 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Reason for not applying for a loan - 10 1 Did not know where to go 2 I do not have a bank account 3 I did not think I would get a loan 4 The loan terms did not meet my needs 5 The bank is too far away 6 It takes too long to get a loan 7 Interest rates were too high 8 I do not have security 9 My business is not registered 10 I found cheaper financing elsewhere 11 I did not need the money 12 I already had the money 13 I would not be able to pay back 14 I did not know where to start 15 I am too young 16 I never thought about it 17 I am not member of any scheme 18 It is not recommended by other people 19 I prefer to save money 20 Social segregation 21 I am not eligible because my business is too small 22 Unfavourable loan conditions 23 I had to pay off another loan 24 I do not like taking loans 95 Others 96 No reason 99 Not specified Belong to Savings Clubs/Chilimbas 1 Yes 2 No 99 Not specified Number of clubs 1 One 2 Two 3 Three 4 Four or more 99 Not specified Frequency of contribution 1 Every week 2 About twice a month 3 About once a month 4 About every two months 5 About every three months 6 About twice a year 7 Less often than twice a year 99 Not specified Average amount of contribution (EXACT AMOUNT) Average amount of contribution (RANGE) 1 Up to K5,000 2 K6,000 - K10,000 3 K11,000 - K20,000 4 K21,000 - K30,000 5 K31,000 - K50,000 6 K51,000 - K100,000 7 K101,000 - K250,000 8 More than K250,000 98 Do not know 99 Not specified Frequency of receiving funds 1 Every week 2 About twice a month 3 About once a month 4 About every two months 5 About every three months 6 About twice a year 7 Once a year 99 Not specified Number of members 1 One to five 2 Six to ten 3 Eleven to fifteen 4 More than fifteen 99 Not specified Frequency of contribution 1 Every week 2 About twice a month 3 About once a month 4 About every two months 5 About every three months 6 About twice a year 7 Less often than twice a year 99 Not specified Average amount of contribution (EXACT AMOUNT) Average amount of contribution (RANGE) 1 Up to K5,000 2 K6,000 - K10,000 3 K11,000 - K20,000 4 K21,000 - K30,000 5 K31,000 - K50,000 6 K51,000 - K100,000 7 K101,000 - K250,000 8 More than K250,000 98 Do not know 99 Not specified Frequency of receiving funds 1 Every week 2 About twice a month 3 About once a month 4 About every two months 5 About every three months 6 About twice a year 7 Once a year 99 Not specified Number of members 1 One to five 2 Six to ten 3 Eleven to fifteen 4 More than fifteen 99 Not specified Frequency of contribution 1 Every week 2 About twice a month 3 About once a month 4 About every two months 5 About every three months 6 About twice a year 7 Less often than twice a year 99 Not specified Average amount of contribution (EXACT AMOUNT) Average amount of contribution (RANGE) 1 Up to K5,000 2 K6,000 - K10,000 3 K11,000 - K20,000 4 K21,000 - K30,000 5 K31,000 - K50,000 6 K51,000 - K100,000 7 K101,000 - K250,000 8 More than K250,000 98 Do not know 99 Not specified Frequency of receiving funds 1 Every week 2 About twice a month 3 About once a month 4 About every two months 5 About every three months 6 About twice a year 7 Once a year 99 Not specified Number of members 1 One to five 2 Six to ten 3 Eleven to fifteen 4 More than fifteen 99 Not specified Reason for joining a savings club/chilimba - 1 1 I do not get charged fees 2 It allows me to save for a specific purpose 3 Save to pay for school fees 4 Save to pay for health care 5 Save to buy physical goods 6 Save to buy land 7 Save to ensure my partner does not spend all my money 8 Save to pay for a holiday 9 To save up for emergencies 10 Save to boost working capital / run business 11 Encouraged by a successful club 12 Save money 13 To get extra money / receive interest 14 Found it at workplace 15 To help each other 16 Save for future use 17 Ability to get the money at any time 18 My salary is too small 19 To solve other problems 20 My wife wanted to join 21 I find it interesting 95 Others 99 Not specified Reason for joining a savings club/chilimba - 2 1 I do not get charged fees 2 It allows me to save for a specific purpose 3 Save to pay for school fees 4 Save to pay for health care 5 Save to buy physical goods 6 Save to buy land 7 Save to ensure my partner does not spend all my money 8 Save to pay for a holiday 9 To save up for emergencies 10 Save to boost working capital / run business 11 Encouraged by a successful club 12 Save money 13 To get extra money / receive interest 14 Found it at workplace 15 To help each other 16 Save for future use 17 Ability to get the money at any time 18 My salary is too small 19 To solve other problems 20 My wife wanted to join 21 I find it interesting 95 Others Reason for joining a savings club/chilimba - 3 1 I do not get charged fees 2 It allows me to save for a specific purpose 3 Save to pay for school fees 4 Save to pay for health care 5 Save to buy physical goods 6 Save to buy land 7 Save to ensure my partner does not spend all my money 8 Save to pay for a holiday 9 To save up for emergencies 10 Save to boost working capital / run business 11 Encouraged by a successful club 12 Save money 13 To get extra money / receive interest 14 Found it at workplace 15 To help each other 16 Save for future use 17 Ability to get the money at any time 18 My salary is too small 19 To solve other problems 20 My wife wanted to join 21 I find it interesting 95 Others Reason for joining a savings club/chilimba - 4 1 I do not get charged fees 2 It allows me to save for a specific purpose 3 Save to pay for school fees 4 Save to pay for health care 5 Save to buy physical goods 6 Save to buy land 7 Save to ensure my partner does not spend all my money 8 Save to pay for a holiday 9 To save up for emergencies 10 Save to boost working capital / run business 11 Encouraged by a successful club 12 Save money 13 To get extra money / receive interest 14 Found it at workplace 15 To help each other 16 Save for future use 17 Ability to get the money at any time 18 My salary is too small 19 To solve other problems 20 My wife wanted to join 21 I find it interesting 95 Others Experience with savings club/chilimba - 1 1 Lost money through theft from an outside party 2 Lost money through theft by a member 3 Ran out of money due to number of deaths in club 4 Members have not contributed as agreed 5 Lost of money by accident 6 Members leaving the club 95 Others 96 None 99 Not specified Experience with savings club/chilimba - 2 1 Lost money through theft from an outside party 2 Lost money through theft by a member 3 Ran out of money due to number of deaths in club 4 Members have not contributed as agreed 5 Lost of money by accident 6 Members leaving the club 95 Others 96 None Experience with savings club/chilimba - 3 1 Lost money through theft from an outside party 2 Lost money through theft by a member 3 Ran out of money due to number of deaths in club 4 Members have not contributed as agreed 5 Lost of money by accident 6 Members leaving the club 95 Others 96 None Savings Club/Chilimba keeps money - 1 1 In a bank account 2 Placed in safekeeping with one of the members 3 Placed in safekeeping with someone else 4 It is immediately paid out to a member for their use 5 Put in business 6 In the club 95 Others 98 Don't know 99 Cannot disclose Savings Club/Chilimba keeps money - 2 1 In a bank account 2 Placed in safekeeping with one of the members 3 Placed in safekeeping with someone else 4 It is immediately paid out to a member for their use 5 Put in business 6 In the club 95 Others 98 Don't know 99 Cannot disclose Provisions to cover funeral expenses 1 Yes 2 No 99 Not specified Provisions - 1 1 Covered by Employer 2 Funeral Insurance 3 Savings Scheme 4 Funeral Funds 5 Agreement with Church 6 Husband's savings 7 Personal savings / savings kept at home 8 Plan to open an account 9 Prepared a will 95 Others 99 Not specified Provisions - 2 1 Covered by Employer 2 Funeral Insurance 3 Savings Scheme 4 Funeral Funds 5 Agreement with Church 6 Husband's savings 7 Personal savings / savings kept at home 8 Plan to open an account 9 Prepared a will 95 Others Provisions - 3 1 Covered by Employer 2 Funeral Insurance 3 Savings Scheme 4 Funeral Funds 5 Agreement with Church 6 Husband's savings 7 Personal savings / savings kept at home 8 Plan to open an account 9 Prepared a will 95 Others Funeral cost of member of family - 1 1 Funeral insurance eg. Madison / NICO 2 Funeral fund 3 Employer 4 Church 5 Donations from work colleagues 6 Family / friends / neighbours 7 Bank loan 8 Draw on savings 9 Savings Club / Chilimba 10 Informal money lender / Kaloba 11 Sell livestock 12 Sell other goods 13 By any means 14 Area Councillor 15 Ask for assistance 17 Carry some piece-work 18 Community support group 19 Money from business 20 Donations from well-wishers 21 Employer of other family member 22 Rent / sell assets 23 From clients 95 Others 98 Don't know 99 Not specified Funeral cost of member of family - 2 1 Funeral insurance eg. Madison / NICO 2 Funeral fund 3 Employer 4 Church 5 Donations from work colleagues 6 Family / friends / neighbours 7 Bank loan 8 Draw on savings 9 Savings Club / Chilimba 10 Informal money lender / Kaloba 11 Sell livestock 12 Sell other goods 13 By any means 14 Area Councillor 15 Ask for assistance 17 Carry some piece-work 18 Community support group 19 Money from business 20 Donations from well-wishers 21 Employer of other family member 22 Rent / sell assets 23 From clients 95 Others 98 Don't know 99 Not specified Funeral cost of member of family - 3 1 Funeral insurance eg. Madison / NICO 2 Funeral fund 3 Employer 4 Church 5 Donations from work colleagues 6 Family / friends / neighbours 7 Bank loan 8 Draw on savings 9 Savings Club / Chilimba 10 Informal money lender / Kaloba 11 Sell livestock 12 Sell other goods 13 By any means 14 Area Councillor 15 Ask for assistance 17 Carry some piece-work 18 Community support group 19 Money from business 20 Donations from well-wishers 21 Employer of other family member 22 Rent / sell assets 23 From clients 95 Others 98 Don't know 99 Not specified Funeral cost of member of family - 4 1 Funeral insurance eg. Madison / NICO 2 Funeral fund 3 Employer 4 Church 5 Donations from work colleagues 6 Family / friends / neighbours 7 Bank loan 8 Draw on savings 9 Savings Club / Chilimba 10 Informal money lender / Kaloba 11 Sell livestock 12 Sell other goods 13 By any means 14 Area Councillor 15 Ask for assistance 17 Carry some piece-work 18 Community support group 19 Money from business 20 Donations from well-wishers 21 Employer of other family member 22 Rent / sell assets 23 From clients 95 Others 98 Don't know 99 Not specified Funeral cost of member of family - 5 1 Funeral insurance eg. Madison / NICO 2 Funeral fund 3 Employer 4 Church 5 Donations from work colleagues 6 Family / friends / neighbours 7 Bank loan 8 Draw on savings 9 Savings Club / Chilimba 10 Informal money lender / Kaloba 11 Sell livestock 12 Sell other goods 13 By any means 14 Area Councillor 15 Ask for assistance 17 Carry some piece-work 18 Community support group 19 Money from business 20 Donations from well-wishers 21 Employer of other family member 22 Rent / sell assets 23 From clients 95 Others 98 Don't know 99 Not specified Funeral cost of member of family - 6 1 Funeral insurance eg. Madison / NICO 2 Funeral fund 3 Employer 4 Church 5 Donations from work colleagues 6 Family / friends / neighbours 7 Bank loan 8 Draw on savings 9 Savings Club / Chilimba 10 Informal money lender / Kaloba 11 Sell livestock 12 Sell other goods 13 By any means 14 Area Councillor 15 Ask for assistance 17 Carry some piece-work 18 Community support group 19 Money from business 20 Donations from well-wishers 21 Employer of other family member 22 Rent / sell assets 23 From clients 95 Others 98 Don't know 99 Not specified Funeral cost of member of family - 7 1 Funeral insurance eg. Madison / NICO 2 Funeral fund 3 Employer 4 Church 5 Donations from work colleagues 6 Family / friends / neighbours 7 Bank loan 8 Draw on savings 9 Savings Club / Chilimba 10 Informal money lender / Kaloba 11 Sell livestock 12 Sell other goods 13 By any means 14 Area Councillor 15 Ask for assistance 17 Carry some piece-work 18 Community support group 19 Money from business 20 Donations from well-wishers 21 Employer of other family member 22 Rent / sell assets 23 From clients 95 Others 98 Don't know 99 Not specified Funeral cost of member of family - 8 1 Funeral insurance eg. Madison / NICO 2 Funeral fund 3 Employer 4 Church 5 Donations from work colleagues 6 Family / friends / neighbours 7 Bank loan 8 Draw on savings 9 Savings Club / Chilimba 10 Informal money lender / Kaloba 11 Sell livestock 12 Sell other goods 13 By any means 14 Area Councillor 15 Ask for assistance 17 Carry some piece-work 18 Community support group 19 Money from business 20 Donations from well-wishers 21 Employer of other family member 22 Rent / sell assets 23 From clients 95 Others 98 Don't know 99 Not specified You try to save regularly 1 Agree 2 Disagree 3 Do not know 99 Not specified You do not like carrying cash 1 Agree 2 Disagree 3 Do not know 99 Not specified People often ask your advice on financial matters 1 Agree 2 Disagree 3 Do not know 99 Not specified You hate owing money to anyone 1 Agree 2 Disagree 3 Do not know 99 Not specified When you make financial decisions, you like to get advice from family / friends 1 Agree 2 Disagree 3 Do not know 99 Not specified Having a bank account makes it easier to get credit 1 Agree 2 Disagree 3 Do not know 99 Not specified To get ahead in life, one needs to take some risks 1 Agree 2 Disagree 3 Do not know 99 Not specified You are worried that you won't have enough money for old age 1 Agree 2 Disagree 3 Do not know 99 Not specified You prefer to save where your money is safe, even if the interest rate or return 1 Agree 2 Disagree 3 Do not know 99 Not specified You prefer to save where your money is safe, even if the interest rate or return is a little lower You usually read the finance pages in newspapers and magazines 1 Agree 2 Disagree 3 Do not know 99 Not specified You are saving for something specific, such as a car, a holiday, an appliance or 1 Agree 2 Disagree 3 Do not know 99 Not specified You are saving for something specific, such as a car, a holiday, an appliance or furniture You move your money around to get the most growth 1 Agree 2 Disagree 3 Do not know 99 Not specified You have a good idea of what interest / returns you get on the money you save 1 Agree 2 Disagree 3 Do not know 99 Not specified You are prepared to put your money into accounts with higher interest rates, eve 1 Agree 2 Disagree 3 Do not know 99 Not specified You are prepared to put your money into accounts with higher interest rates, even if your money is not as safe You go without basic things so that you can save 1 Agree 2 Disagree 3 Do not know 99 Not specified When making financial decisions, you like to get advice from a financial broker 1 Agree 2 Disagree 3 Do not know 99 Not specified When making financial decisions, you like to get advice from a financial broker / agent For you, using a credit card is just an easier way to pay for things 1 Agree 2 Disagree 3 Do not know 99 Not specified You know quite a bit about money and finances 1 Agree 2 Disagree 3 Do not know 99 Not specified You tend to take most of your money out of your bank account as soon as you get 1 Agree 2 Disagree 3 Do not know 99 Not specified You tend to take most of your money out of your bank account as soon as you get it It is very hard to get a loan from most places these days 1 Agree 2 Disagree 3 Do not know 99 Not specified You avoid banking machines such as ATMs / Cashpoints as much as possible 1 Agree 2 Disagree 3 Do not know 99 Not specified Without credit / taking a loan, you would not be able to feed your family 1 Agree 2 Disagree 3 Do not know 99 Not specified You work to a budget 1 Agree 2 Disagree 3 Do not know 99 Not specified You consider yourself to be an entrepreneur 1 Agree 2 Disagree 3 Do not know 99 Not specified You consider yourself to be a business man / woman 1 Agree 2 Disagree 3 Do not know 99 Not specified When buying on credit it ends up being more expensive than you thought it was 1 Agree 2 Disagree 3 Do not know 99 Not specified Have access to now - 1 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 2 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 3 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 4 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 5 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 6 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 7 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 8 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 9 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 10 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 11 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Have access to now - 12 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 1 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 2 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 3 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 4 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 5 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 6 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 7 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 8 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 9 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 10 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 11 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Regularly use - 12 1 Cellphone 2 Public phone 3 Telephone at home 4 Telephone elsewhere 5 Computer at home 6 Computer elsewhere 7 Internet at home 8 Internet elsewhere 9 E-mail at home 10 E-mail elsewhere 11 Fax machine at home 12 Fax machine elsewhere 96 None of the above 99 Not specified Do you personally own a... 1 Cellphone paying with a pre-paid card 2 Cellphone with a contract / subscription 3 I do not personally own a cellphone 99 Not specified Payment for grocery shopping - 1 1 Pay cash 2 Pay by credit card e.g. Master Card, Visa 3 Pay by debit card / ATM / Cashpoint Card / Connect Card 4 Pay by cheque 5 Pay on credit 6 Barter system / in kind 95 Others 97 Do not do grocery shopping / Someone else pays for grocery s 99 Not specified Payment for grocery shopping - 2 1 Pay cash 2 Pay by credit card e.g. Master Card, Visa 3 Pay by debit card / ATM / Cashpoint Card / Connect Card 4 Pay by cheque 5 Pay on credit 6 Barter system / in kind 95 Others 97 Do not do grocery shopping / Someone else pays for grocery s Payment for grocery shopping - 3 1 Pay cash 2 Pay by credit card e.g. Master Card, Visa 3 Pay by debit card / ATM / Cashpoint Card / Connect Card 4 Pay by cheque 5 Pay on credit 6 Barter system / in kind 95 Others 97 Do not do grocery shopping / Someone else pays for grocery s Payment for grocery shopping - 4 1 Pay cash 2 Pay by credit card e.g. Master Card, Visa 3 Pay by debit card / ATM / Cashpoint Card / Connect Card 4 Pay by cheque 5 Pay on credit 6 Barter system / in kind 95 Others 97 Do not do grocery shopping / Someone else pays for grocery s Payment for grocery shopping - 5 1 Pay cash 2 Pay by credit card e.g. Master Card, Visa 3 Pay by debit card / ATM / Cashpoint Card / Connect Card 4 Pay by cheque 5 Pay on credit 6 Barter system / in kind 95 Others 97 Do not do grocery shopping / Someone else pays for grocery s Lifestyle - 1 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 2 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 3 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 4 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 5 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 6 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 7 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 8 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 9 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 10 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 11 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 12 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 13 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 14 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 15 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 16 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 17 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 18 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 19 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 20 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Lifestyle - 21 1 Do you have a built in kitchen sink 2 Do you live in a brick house / cluster house / flat 3 Do you have a cell phone with a working line? 4 Do you have a microwave oven? 5 Have you completed secondary education? 6 Do you have a refrigerator? 7 Have you watched television in the last 7 days? 8 Do you have an electric stove with an oven? 9 Do you have a vacuum cleaner? 10 Do you have one or more cars in your household? 11 Do you live in an urban area? 12 Do you have a television set? 13 Do you have a free standing deep freezer? 14 Do you have an electric iron? 15 Have you read a newspaper in the last 7 days? 16 Do you have a still camera? 17 Do you have a fixed telephone line or outstanding applicatio 18 Do you have a video recorder? 19 Do you have a hi-fi / music centre? 20 Have you had access to the internet in the past 4 weeks? 21 Have you got a radio? 96 None of the above 99 Not specified Household facility - 1 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 2 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 3 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 4 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 5 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 6 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 7 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 8 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 9 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Household facility - 10 1 There is a communal tap or a tap shared by a number of house 2 Toilet is a pit latrine or hole or bucket system 3 There is a bank nearby 4 There is a formal restaurant or hotel nearby 5 There is a formal shop nearby selling men's clothing 6 There is a formal shop nearby selling women's or children's 7 There are tarred roads on most roads nearby 8 There is a lot of wood or coal smoke around where you live 9 There is a hospital / clinic nearby 10 There are emergency services (ambulance, fire, etc.) nearby 99 Not specified Means of getting to food and grocery store 1 Walk 2 Own car 3 Someone else's car 4 Taxi 5 Local Minibus 6 Public bus 7 Bicycle 8 Boat 9 Cattle / cart 10 Company vehicle 11 Local vans 12 Public vans 95 Others 97 Do not go to food and grocery store / market 99 Not specified Time to get to the nearest food 1 Under 5 minutes 2 About 5 minutes 3 About 10 minutes 4 About 15 to 20 minutes 5 About 20 to 30 minutes 6 About 30 to 45 minutes 7 Between one and two hours 8 Up to a day 9 More than one day 99 Not specified I have rather a boring life 1 Yes 2 No 3 Don't know 99 Not specified I get very little or no physical exercise 1 Yes 2 No 3 Don't know 99 Not specified I do not drink alcoholic drinks at all, or only very seldom 1 Yes 2 No 3 Don't know 99 Not specified So far I am satisfied with what I have achieved in my life 1 Yes 2 No 3 Don't know 99 Not specified I feel like my life is emotionally empty 1 Yes 2 No 3 Don't know 99 Not specified I do not feel really well most of the time 1 Yes 2 No 3 Don't know 99 Not specified I feel I am a failure 1 Yes 2 No 3 Don't know 99 Not specified I consider myself physically fit 1 Yes 2 No 3 Don't know 99 Not specified I feel lonely 1 Yes 2 No 3 Don't know 99 Not specified I feel alive and energetic 1 Yes 2 No 3 Don't know 99 Not specified I can't afford to eat the correct kinds of foods 1 Yes 2 No 3 Don't know 99 Not specified I do not think people think much of me or respect me much 1 Yes 2 No 3 Don't know 99 Not specified Generally I am a happy and cheerful person 1 Yes 2 No 3 Don't know 99 Not specified I only drink one, at most two, alcoholic drinks a day 1 Yes 2 No 3 Don't know 99 Not specified I feel anxious, tense and a sense of panic 1 Yes 2 No 3 Don't know 99 Not specified I do not know very many people 1 Yes 2 No 3 Don't know 99 Not specified People very seldom ask me for advice 1 Yes 2 No 3 Don't know 99 Not specified I have a varied life with lots of different activities 1 Yes 2 No 3 Don't know 99 Not specified I do not feel I really belong - I want to be more accepted 1 Yes 2 No 3 Don't know 99 Not specified Sometimes I feel quite frightened 1 Yes 2 No 3 Don't know 99 Not specified I often drink three or more alcoholic drinks a day 1 Yes 2 No 3 Don't know 99 Not specified I regard myself as a spiritual person 1 Yes 2 No 3 Don't know 99 Not specified I do not really have a close relationship with anyone 1 Yes 2 No 3 Don't know 99 Not specified I have many dreams in life but will never achieve them 1 Yes 2 No 3 Don't know 99 Not specified I feel well and in good health 1 Yes 2 No 3 Don't know 99 Not specified I often feel calm or serene 1 Yes 2 No 3 Don't know 99 Not specified I experience feelings of depression or hopelessness 1 Yes 2 No 3 Don't know 99 Not specified I have family and friends to turn to whenever I need them 1 Yes 2 No 3 Don't know 99 Not specified My life has meaning and purpose 1 Yes 2 No 3 Don't know 99 Not specified I have enough leisure time to be happy 1 Yes 2 No 3 Don't know 99 Not specified FEEL ABOUT YOUR LIFE 1 My life is very close to my ideal 2 My life is fairly close to my ideal 3 My life is not very close to my ideal 4 My life is not at all close to my ideal 5 Do not know 99 Not specified Main income earner 1 Yes 2 No 99 Not specified Head of household 1 Yes 2 No 99 Not specified Relationship to head of household 1 Wife, husband/spouse, partner 2 Parent 3 Child 4 Grandparent 5 Other relative e.g. uncle 6 Friend / colleague / landlord 7 Dependent 95 Others 99 Not specified Number of income earners Regular sources of income of other members - 1 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family or friends 12 Casual worker / Doing piece-work 13 Work (not specified if self-employed or in paid employment) 14 Gambling 15 Donations 16 Terminal benefits 95 Others 96 Do not receive income 98 Do not know 99 Not specified Regular sources of income of other members - 2 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family or friends 12 Casual worker / Doing piece-work 13 Work (not specified if self-employed or in paid employment) 14 Gambling 15 Donations 16 Terminal benefits 95 Others 96 Do not receive income 98 Do not know Regular sources of income of other members - 3 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family or friends 12 Casual worker / Doing piece-work 13 Work (not specified if self-employed or in paid employment) 14 Gambling 15 Donations 16 Terminal benefits 95 Others 96 Do not receive income 98 Do not know Regular sources of income of other members - 4 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family or friends 12 Casual worker / Doing piece-work 13 Work (not specified if self-employed or in paid employment) 14 Gambling 15 Donations 16 Terminal benefits 95 Others 96 Do not receive income 98 Do not know Regular sources of income of other members - 5 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family or friends 12 Casual worker / Doing piece-work 13 Work (not specified if self-employed or in paid employment) 14 Gambling 15 Donations 16 Terminal benefits 95 Others 96 Do not receive income 98 Do not know Regular sources of income of other members - 6 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual 4 Self-employed in business 5 Self-employed in farming 6 Rental income 7 Private pension 8 State pension 9 Maintenance grants 10 Interests on financial instruments - savings, stocks, unit t 11 Money from family or friends 12 Casual worker / Doing piece-work 13 Work (not specified if self-employed or in paid employment) 14 Gambling 15 Donations 16 Terminal benefits 95 Others 96 Do not receive income 98 Do not know Marital status 1 Single 2 Divorced / separated 3 Widowed 4 Living with a partner 5 Married 99 Not specified Highest level of education 1 No formal education 2 Some primary school 3 Primary school completed 4 Some secondary school 5 Secondary school completed 6 Some College 7 College completed 8 Some University 9 University Completed 10 Professional Qualification or equivalent 11 Post-Graduate / Doctorate 99 Not specified Type of accomodation 1 Informal accommodation / hut, not in the back yard of someon 2 Informal accommodation / hut, in the back yard of someone el 3 Traditional / low cost - rural 4 Medium / high cost - village accommodation 5 Low cost - urban accommodation 6 Medium cost house - urban accommodation 7 High cost house - urban accommodation 8 Servants quarters - urban accommodation 9 Small houses rented on same yard 10 Part of a house / share a house 11 Townhouse or cluster house in complex 12 A unit in a block of flats / apartment 13 Farm house 95 Others 99 Not specified Ownership of property 1 I own this property 2 Member of household owns this property 3 Rent this property 4 Live on Traditional Land 99 Not specified Acquisition of property - 1 1 Mortgage from building society 2 Loan from bank 3 Loan from government housing scheme 4 Own savings 5 Inheritance 6 Terminal benefits payment 7 Loan from family / friends 8 Loan from employer 9 Family bought it 10 Government house / land 11 Allocated by headman 12 Donations from community 13 Built by faith organisations 14 Traditional land 95 Others 98 Do not know 99 Not specified Acquisition of property - 2 1 Mortgage from building society 2 Loan from bank 3 Loan from government housing scheme 4 Own savings 5 Inheritance 6 Terminal benefits payment 7 Loan from family / friends 8 Loan from employer 9 Family bought it 10 Government house / land 11 Allocated by headman 12 Donations from community 13 Built by faith organisations 14 Traditional land 95 Others 98 Do not know 99 Not specified Acquisition of property - 3 1 Mortgage from building society 2 Loan from bank 3 Loan from government housing scheme 4 Own savings 5 Inheritance 6 Terminal benefits payment 7 Loan from family / friends 8 Loan from employer 9 Family bought it 10 Government house / land 11 Allocated by headman 12 Donations from community 13 Built by faith organisations 14 Traditional land 95 Others 98 Do not know 99 Not specified Tradeable asset 1 Yes 2 No 3 Don't know 99 Not specified Fully paid off property 1 Yes 2 No 3 Don't know 99 Not specified Have Title Deeds for property 1 Yes 2 No 3 Don't know 99 Not specified Speak - 1 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 99 Not specified Speak - 2 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 99 Not specified Speak - 3 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 99 Not specified Speak - 4 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 99 Not specified Speak - 5 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 99 Not specified Speak - 6 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 99 Not specified Read - 1 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Read - 2 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Read - 3 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Read - 4 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Read - 5 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Read - 6 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Write - 1 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Write - 2 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Write - 3 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Write - 4 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Write - 5 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Write - 6 1 Bemba 2 Nyanja 3 Tonga 4 Lozi 5 Kaonde 6 Lunda 7 Luvale 8 English 96 None 99 Not specified Main source of energy/fuel 1 Electricity 2 Paraffin 3 Coal / wood / charcoal 4 Gas 95 Others 99 Not specified Access to a PO Box 1 Yes 2 No 99 Not specified Documents - 1 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above 99 Not specified Documents - 2 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Documents - 3 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Documents - 4 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Documents - 5 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Documents - 6 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Documents - 7 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Documents - 8 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Documents - 9 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Documents - 10 1 National Registration Card 2 Driving Licence 3 Passport 4 Electricity / Water Bill 5 Telephone / Zamtel Bill 6 Bank Statement 7 Lease or Rental Agreement (e.g. DSTV) 8 Tax Return 9 Insurance policy 10 Payslip 11 Baptism Card 12 Birth Certificate 13 Grade 7/9/12/T Certificate 14 School Certificate 15 School Report 16 Business Licence 17 Outgrowers Scheme Card 18 Hospital / Clinic Card 19 Medical Scheme 20 Pension Form 21 Title Deeds 22 Voters Card 23 Police Letter 24 Notes Card 25 Certificates 95 Others 96 None of the above Interest in financial matters 1 Not interested at all 2 Uninterested 3 Neither uninterested nor interested 4 Interested 5 Strongly interested 99 Not specified Follow what is written / said about financial matters 1 Never 2 Rarely 3 Sometimes 4 Often 5 Always 99 Not specified Word used to describe increase in prices 1 Inflation 2 Cost of living 3 Interest 4 (Consumer Price Index) CPI 5 Tax 6 Others 7 Hunger 8 Budget 9 Changes in life 10 Deflation 11 Depreciation 12 Development 13 Expensiveness 14 Exploitation 15 High command 16 High demand 17 High price / price hikes / increase in price / changes in pr 18 Increase in government budget 19 Increase in poverty 20 Inefficiency in production 21 Poverty 22 Low productivity against rising population 23 Poor planning 24 No fuel 25 People wanting to maximise profit 26 Politics 27 Poor economy of the country 28 Poor government 29 Population 30 Profit 31 Standard of living 32 Unfairness 98 Do not know 99 Not specified Total monthly personal income 1 No income 2 Less than K50,000 3 K50,000 - K150,000 4 K150,001 - K300,000 5 K300,001 - K450,000 6 K450,001 - K600,000 7 K600,001 - K800,000 8 K800,001 - K1,000,000 9 K1,000,001 - K5,000,000 10 K5,000,001 - K10,000,000 11 Over K10,000,000 98 Uncertain / Do not know 99 Refuse to answer Total monthly household income 1 No income 2 Less than K50,000 3 K50,000 - K150,000 4 K150,001 - K300,000 5 K300,001 - K450,000 6 K450,001 - K600,000 7 K600,001 - K800,000 8 K800,001 - K1,000,000 9 K1,000,001 - K5,000,000 10 K5,000,001 - K10,000,000 11 Over K10,000,000 98 Uncertain / Do not know 99 Refuse to answer Relative Weights Weights (Weighted Up)