DataFirst 2020-06-11 NADA Version 4 Zambia Finscope 2009 ZAMFS 2009 zmb-fmt-fs-2009-v1 Finmark Trust Bank of Zambia NADA Private Sector Development Reform Programme DataFirst Support Household Survey [hh] FinMark Trust. Zambia Finscope 2009 [dataset]. Version 1.0. Lusaka: FinMark Trust [producer], June 2010. Cape Town: DataFirst [distributor], 2017. DOI: https://doi.org/10.25828/0sh5-cs81 v1.0: Edited, anonymised dataset for public distribution This version was first received by DataFirst from Financial Services Deepening Zambia (FSDZ) in November 2016. This is the first version that has been made available for public release. The FinScope survey tool was developed by FinMark Trust as a nationally representative survey of consumer perceptions about financial services and issues. FinScope provides insights into how people source their income and manage their financial lives. It looks at the use of, and demand for, financial services as well as attitudes, vulnerability, coping behaviour and consumption patterns. By exploring the use of informal as well as formal financial products, FinScope aims to create a picture of the role that the formal and informal sectors play in a country’s financial market. Zambia National Coverage Individuals The survey covered all usual household residents age 16 and above in Zambia. Sample survey data [ssd] Individuals: age, financial services used, financial behaviour, knowledge of financial products and institutions, bank status, access to transport, constraints on financial product access, unexpected events, self-reported quality of life, employment, asset ownership, insurance, credit access, business operations, savings behaviour, cellphone access, household facilities, psychological health, marital status, education, language, literacy. Central Statistics Office M & N Associates Much like the previous survey in the series, the Finscope 2005 used a stratified, multi-stage cluster sampling approach. Stratification was done at the province and urban/rural level before cluster sampling was performed using enumerator areas as PSUs. The sampling frame for the survey was developed by the Zambian Central Statistical Office (CSO) based on the 2000 Zambian population census. The survey used three-stage stratified cluster sampling to create the sample population. Stratification was done at the province and urban/rural levels before cluster sampling was performed using enumerator areas as PSUs. 400 EAs were selected with probability proportional to size. Within each EA, 10 households were randomly selected. In the third stage, one eligible (aged 16 and above) member of the household was randomly selected using a Kish grid. Further details of the sampling methodology are provided in Annex 1 of the final report for the 2009 Zambian Finscope. Face-to-face [f2f] A single questionnaire was used for the Zambian Finscope 2009. The questionnaire design phase included 14 focus group discussions and the facilitation of a stakeholder workshop in August 2009, which was attended by a broad cross-section of stakeholders within the financial sector. These activities assisted in adapting the FinScope Zambia 2005 questionnaire to include notable developments that had taken place in Zambia’s financial sector and economy as a whole since the first survey was conducted, while at the same time allowing for comparisons with the 2005 data. The revised questionnaire was translated into Zambia’s seven vernacular languages and included questions on the following topics: • Household information and demographics • Farming and fishing • Income and expenditure • Access to infrastructure • Financial literacy and awareness • Attitudes and perceptions towards finance • Savings • Borrowing • Product penetration and banking • Insurance • Informal finance • Remittances • Psychographics Preparation for the fieldwork included a questionnaire pre-test, the training of CSO field staff and the piloting, finalisation and reproduction of the questionnaire. To test the length, flow and translation of the questionnaire, a pre-test was conducted based on purposive household selection in eight residential areas in Lusaka. Forty interviews were conducted by the CSO/M&N technical working group, which comprised five interviews for each language, including English. The questionnaire was revised taking into account the results of this pre-test and in preparation for the fieldwork training. A 10-day training programme was conducted in October 2009 and was attended by 80 interviewers, 13 supervisors, two data programmers, two data entry supervisors, 10 data entry officers and five office editors. Specific topics covered during the training included: • Background to FinScope and objectives of FinScope Zambia 2009; • Survey methodology; • Questionnaire content; • Listing, sampling and reporting procedures to be followed, and; • Quality control procedures. All fieldwork procedures, protocols and methodologies were documented in a comprehensive fieldwork manual which was provided to participants during training. The training also included a field practical (pilot) in four areas, two within a rural (Chongwe) district and two within an urban (Lusaka) district. This exercise focused primarily on enabling the interviewers and supervisors to gain experience in administering the listing forms and questionnaire to ensure maximum efficiency during the main fieldwork. Following the completion of the fieldwork, the questionnaire and translations were finalised, taking into account minor issues that were highlighted during the pilot. The final questionnaires and listing forms were reproduced in sufficient quantities for the fieldwork. Fieldwork took place between October and December 2009 and was carried out by 13 teams. Each team consisted of one supervisor, six or seven interviewers and a driver. The fieldwork was carried out in two phases. The first phase involved listing all the households in the selected EAs which was done to update the 2000 Census data and ensure accuracy of the data weighting and validation process. During the listing, each household was given a serial number to enable the random sampling of 10 households from the EA for the purpose of data collection. The second phase involved the random selection of one respondent aged 16 years and above from each of the 10 households using the Kish grid. Data collection was carried out through face-to-face interviews with the selected respondents. Two call backs were allowed for each selected respondent in addition to the initial contact. In cases where selected respondents were not available or refused to be interviewed, a substitution procedure was followed. A total of 4 000 interviews were successfully completed. Final_weight: this weight variable appears to be the post-stratified weight. When applied, it gives population totals that agree with what we assumed is a demographic model informed by Zambian Census 2000 figures. Prior to data capture, a data entry programme was developed, tested and refined using the Census and Survey Processing (CSPro) software package. This process was carried out in close consultation with FinMark Trust to ensure that the survey indicator values could be calculated. Nine data operators and two data supervisors were trained to familiarise them with the data entry programme and also to facilitate their understanding of the questionnaire. The completed questionnaires were checked before being captured. Data inputting was carried out from November to December 2009, after which the data was cleaned, weighted, validated and converted into Statistical Package for the Social Sciences (SPSS) software. Following the submission of preliminary findings to the FSDP Secretariat by FinMark Trust, a second validation procedure was performed in January using additional population projections and other survey data. This resulted in slight adjustments to the weighting. Further information on the cleaning, weighting and validation process is available in Annex 2 of the 2009 Report. DataFirst did some editing of the data before release. The original version of the Zambian Finscope 2009 had a large number of geographic variables, many of which ended up being excluded. Some were excluded because they weren't actually usable without a private codebook, others because they could potentially lead to identification of individuals in the dataset. The final set of geographic variables included were province, district, and an urban/rural binary variable. The original datafile also contained a number of variables that detailed surveyor, supervisor, and visitation information. These were also excluded from the distributed datafile. Also excluded were variables used only for informing placement in the Kish grid. DataFirst FinMark Trust. Zambia Finscope 2009 [dataset]. Version 1.0. Lusaka: FinMark Trust [producer], June 2010. Cape Town: DataFirst [distributor], 2017. DOI: https://doi.org/10.25828/0sh5-cs81 Public use data, available to all Zambia Finscope 2009 v1.0 Stata11 0 1163 Household Identification Number Household Identification Number Household Identification Number Household Identification Number Household Identification Number Province Province Province Province Province 1 Central 2 Copperbelt 3 Eastern 4 Luapula 5 Lusaka 6 Nothern 7 North Western 8 Southern 9 Western District District District District District 101 Chibombo 102 Kabwe 103 Kapiri-mposhi 104 Mkushi 105 Mumbwa 106 Serenje 201 Chililabombwe 202 Chingola 203 Kalulushi 204 Kitwe 205 Luanshya 206 Lufwanyama 207 Masaiti 208 Mpongwe 209 Mufulira 210 Ndola 301 Chadiza 302 Chama 303 Chipata 304 Katete 305 Lundazi 306 Mambwe 307 Nyimba 308 Petauke 401 Chienge 402 Kawambwa 403 Mansa 404 Milenge 405 Mwense 406 Nchelenge 407 Samfya 501 Chongwe 502 Kafue 503 Luangwa 504 Lusaka 601 Chilubi 602 Chinsali 603 Isoka 604 Kaputa 605 Kasama 606 Luwingu 607 Mbala 608 Mpika 609 Mporokoso 610 Mpulungu 611 Mungwi 612 Nakonde 701 Chavuma 702 Kabompo 703 Kasempa 704 Mufumbwe 705 Mwinilunga 706 Solwezi 707 Zambezi 801 Choma 802 Gwembe 803 Itezhi-tezhi 804 Kalomo 805 Kazungula 806 Livingstone 807 Mazabuka 808 Monze 809 Namwala 810 Siavonga 811 Sinazongwe 901 Kalabo 902 Kaoma 903 Lukulu 904 Mongu 905 Senanga 906 Sesheke 907 Shang'ombo Household size Household size Household size Household size Household size Survey Enumerator Area (Cluster) Survey Enumerator Area (Cluster) Survey Enumerator Area (Cluster) Survey Enumerator Area (Cluster) Survey Enumerator Area (Cluster) Do you consider yourself the head of the household Do you consider yourself the head of the household Do you consider yourself the head of the household Do you consider yourself the head of the household Do you consider yourself the head of the household -9 Missing Data 1 Yes 2 No How old the head of the household? How old the head of the household? How old the head of the household? How old the head of the household? How old the head of the household? 999 I don't Know Is head of the household male or female Is head of the household male or female Is head of the household male or female Is head of the household male or female Is head of the household male or female -9 Missing Data 1 Male 2 Female Which of the following applies to the head.. Which of the following applies to the head.. Which of the following applies to the head.. Which of the following applies to the head.. Which of the following applies to the head.. -9 Missing Data 1 Never married 2 Married 3 Cohabiting 4 Seperated 5 Divorced 6 Widowed Does the head....earn an income? Does the head....earn an income? Does the head....earn an income? Does the head....earn an income? Does the head....earn an income? -9 Missing Data 1 Yes 2 No Is the head... main income earner of the household? Is the head... main income earner of the household? Is the head... main income earner of the household? Is the head... main income earner of the household? Is the head... main income earner of the household? -9 Missing Data 1 Yes 2 No What is the employment status of the head ......? is he/she What is the employment status of the head ......? is he/she What is the employment status of the head ......? is he/she What is the employment status of the head ......? is he/she What is the employment status of the head ......? is he/she -9 Missing Data 1 An employer 2 An employee 3 self-employed 4 unpaid family worker 5 unemployed 6 Others specify What is your relationship with the head of the household What is your relationship with the head of the household What is your relationship with the head of the household What is your relationship with the head of the household What is your relationship with the head of the household -9 Missing Data 1 Spouse/partener 2 Parent/parent-in-law 3 Child 4 Grandparent 5 Other relative 6 Other How old are you? How old are you? How old are you? How old are you? How old are you? -9 Missing Data Sex Sex Sex Sex Sex 1 Male 2 Female Are you.... Are you.... Are you.... Are you.... Are you.... -9 Missing Data 1 Never married 2 Married 3 Cohabiting 4 Seperated 5 Divorced 6 Widowed Could you tell.....highest level of education..... Could you tell.....highest level of education..... Could you tell.....highest level of education..... Could you tell.....highest level of education..... Could you tell.....highest level of education..... -9 Missing Data 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 What is your imployment status? What is your imployment status? What is your imployment status? What is your imployment status? What is your imployment status? -9 Missing Data 1 An employer 2 An employee 3 self-employed 4 unpaid family worker 5 unemployed 6 Others Who is responsible for your household's financial decisions? Who is responsible for your household's financial decisions? Who is responsible for your household's financial decisions? Who is responsible for your household's financial decisions? Who is responsible for your household's financial decisions? -9 Missing Data 1 You alone 2 You and your spouse/partner 3 You and your household members [more than just partner] 4 You and household members and other familymembers 5 Decisions are made without involving me How would you describe your general state of health How would you describe your general state of health How would you describe your general state of health How would you describe your general state of health How would you describe your general state of health -9 Missing Data 1 Health status is good 2 Health status is average 3 Health status is poor When you are ill where do you mostly go to be treated? When you are ill where do you mostly go to be treated? When you are ill where do you mostly go to be treated? When you are ill where do you mostly go to be treated? When you are ill where do you mostly go to be treated? -9 Missing Data 1 Public hospital or clinic 2 Private doctor 3 Private hospital 4 Traditional healer 5 Friend or family 6 Other 7 Does not take treatment What is the main material used for the roof of your dwelling What is the main material used for the roof of your dwelling What is the main material used for the roof of your dwelling What is the main material used for the roof of your dwelling What is the main material used for the roof of your dwelling -9 Missing Data 1 Concrete/cement 2 Asbestos sheet 3 Iron sheets 4 Thatch/Grass/straw 5 Tiles 6 Slate 7 Other What is the main material used for the walls of the dwelling What is the main material used for the walls of the dwelling What is the main material used for the walls of the dwelling What is the main material used for the walls of the dwelling What is the main material used for the walls of the dwelling -9 Missing Data 1 Pan brick 2 Concrete brick 3 Mud brick 4 Mud burnt, brick 5 Pole 6 Pole and dagga 7 Mud 8 Thatch/grass/straw 9 Iron sheets 10 Hard board 11 Mixtures 12 Other 13 Does not know What is the main material used of the floor of the dwelling What is the main material used of the floor of the dwelling What is the main material used of the floor of the dwelling What is the main material used of the floor of the dwelling What is the main material used of the floor of the dwelling -9 Missing Data 1 Concrete only 2 Covered concrete 3 Mud 4 Wood only 5 Other 6 Does not know How many rooms in this dwelling are used for sleeping? How many rooms in this dwelling are used for sleeping? How many rooms in this dwelling are used for sleeping? How many rooms in this dwelling are used for sleeping? How many rooms in this dwelling are used for sleeping? -9 Missing Data How many people usually sleep in the dwelling? How many people usually sleep in the dwelling? How many people usually sleep in the dwelling? How many people usually sleep in the dwelling? How many people usually sleep in the dwelling? -9 Missing Data Please tell me which of the following describes your stuatio Please tell me which of the following describes your stuatio Please tell me which of the following describes your stuatio Please tell me which of the following describes your stuatio Please tell me which of the following describes your stuatio -9 Missing Data 1 You own this dwelling 2 Amember of your household owns this dwelling 3 You/your household rent this dwelling 4 This dwelling is provided to you/your household rent free 5 Others How did you get the dwelling? How did you get the dwelling? How did you get the dwelling? How did you get the dwelling? How did you get the dwelling? -9 Missing Data 1 I bought it 2 I built it 3 My family bought it 4 I inherited it 5 Other Where did you get most of the money? Where did you get most of the money? Where did you get most of the money? Where did you get most of the money? Where did you get most of the money? -9 Missing Data 1 Mortage from building society 2 Loan from bank 3 Loan from other financial institution [eg MFI, SACCO 4 Loan from government housing scheme 5 Own savings 6 Inherited some money 7 Pension lump,sum/terminal benefits payment 8 Other, specify Do you owe money on the dwelling? Do you owe money on the dwelling? Do you owe money on the dwelling? Do you owe money on the dwelling? Do you owe money on the dwelling? -9 Missing Data 1 Yes 2 No 3 Not applicable You will never move and will probably spend your whole life You will never move and will probably spend your whole life You will never move and will probably spend your whole life You will never move and will probably spend your whole life You will never move and will probably spend your whole life -9 Missing Data 1 True 2 False 3 Don't apply Your dwelling is something to keep and never sell Your dwelling is something to keep and never sell Your dwelling is something to keep and never sell Your dwelling is something to keep and never sell Your dwelling is something to keep and never sell -9 Missing Data 1 True 2 False 3 Don't apply if you need a lager sum of money you would sell your dwellin if you need a lager sum of money you would sell your dwellin if you need a lager sum of money you would sell your dwellin if you need a lager sum of money you would sell your dwellin if you need a lager sum of money you would sell your dwellin -9 Missing Data 1 True 2 False 3 Don't apply You will sell your dwelling to buy a bigger property You will sell your dwelling to buy a bigger property You will sell your dwelling to buy a bigger property You will sell your dwelling to buy a bigger property You will sell your dwelling to buy a bigger property -9 Missing Data 1 True 2 False 3 Don't apply You would use your dwelling as security when borrowing You would use your dwelling as security when borrowing You would use your dwelling as security when borrowing You would use your dwelling as security when borrowing You would use your dwelling as security when borrowing -9 Missing Data 1 True 2 False 3 Don't apply You think of your dwelling as an investiment that will incre You think of your dwelling as an investiment that will incre You think of your dwelling as an investiment that will incre You think of your dwelling as an investiment that will incre You think of your dwelling as an investiment that will incre -9 Missing Data 1 True 2 False 3 Don't apply Your dwelling is an asset to earn money e.g renting...... Your dwelling is an asset to earn money e.g renting...... Your dwelling is an asset to earn money e.g renting...... Your dwelling is an asset to earn money e.g renting...... Your dwelling is an asset to earn money e.g renting...... -9 Missing Data 1 True 2 False 3 Don't apply You have enlarged or plan to enlarge your dwelling You have enlarged or plan to enlarge your dwelling You have enlarged or plan to enlarge your dwelling You have enlarged or plan to enlarge your dwelling You have enlarged or plan to enlarge your dwelling -9 Missing Data 1 True 2 False 3 Don't apply Do you have the title deed for the land/plot Do you have the title deed for the land/plot Do you have the title deed for the land/plot Do you have the title deed for the land/plot Do you have the title deed for the land/plot -9 Missing Data 1 Yes 2 No Do you own other dwelling? Do you own other dwelling? Do you own other dwelling? Do you own other dwelling? Do you own other dwelling? -9 Missing Data 1 Yes 2 No What is the main source of drinking water for household memb What is the main source of drinking water for household memb What is the main source of drinking water for household memb What is the main source of drinking water for household memb What is the main source of drinking water for household memb -9 Missing Data 1 Own tap 2 Public tap 3 Other tap 4 Borehole 5 Protected well 6 Pumped water 7 Unprotected well 8 Lake/river/stream 9 Vendor 10 Other What type of toilet facility is mostly used by the members o What type of toilet facility is mostly used by the members o What type of toilet facility is mostly used by the members o What type of toilet facility is mostly used by the members o What type of toilet facility is mostly used by the members o -9 Missing Data 1 Own flush toilet inside dwelling 2 Own flush toilet outside 3 Communal shared flush toilet 4 Own pit latrine 5 Communal pit latrine 6 Neighbour's/other's pit latrine 7 Acqua privy 8 Bucket 9 None 10 Other What is the main source of energy that your household use fo What is the main source of energy that your household use fo What is the main source of energy that your household use fo What is the main source of energy that your household use fo What is the main source of energy that your household use fo -9 Missing Data 1 Electricity 2 Kerosene/parafin 3 Coal/wood/charcoal 4 Gas 5 Crop/livestock residues 6 Other What is the main source of energy that your household use fo What is the main source of energy that your household use fo What is the main source of energy that your household use fo What is the main source of energy that your household use fo What is the main source of energy that your household use fo -9 Missing Data 1 Electricity 2 Kerosene/Parrafin 3 Candles 4 Disel 5 Open fire 6 Torch 7 Solar panel 8 Other 9 None Do you...have a..Cell paying aprepaid card Do you...have a..Cell paying aprepaid card Do you...have a..Cell paying aprepaid card Do you...have a..Cell paying aprepaid card Do you...have a..Cell paying aprepaid card -9 Missing Data 1 Yes 2 No Do you...have a..Cell with contract Do you...have a..Cell with contract Do you...have a..Cell with contract Do you...have a..Cell with contract Do you...have a..Cell with contract -9 Missing Data 1 Yes 2 No Did you watch to TV in last month Did you watch to TV in last month Did you watch to TV in last month Did you watch to TV in last month Did you watch to TV in last month -9 Missing Data 1 Yes 2 No Did you listen to radio in last month Did you listen to radio in last month Did you listen to radio in last month Did you listen to radio in last month Did you listen to radio in last month -9 Missing Data 1 Yes 2 No Did you read newspaper in last month Did you read newspaper in last month Did you read newspaper in last month Did you read newspaper in last month Did you read newspaper in last month -9 Missing Data 1 Yes 2 No Did you read magazine in last month Did you read magazine in last month Did you read magazine in last month Did you read magazine in last month Did you read magazine in last month -9 Missing Data 1 Yes 2 No Pleas tell me what you regard as the most valuable thing.... Pleas tell me what you regard as the most valuable thing.... Pleas tell me what you regard as the most valuable thing.... Pleas tell me what you regard as the most valuable thing.... Pleas tell me what you regard as the most valuable thing.... -9 Missing Data 1 Dwelling or other buildings 2 Business businesses 3 Vehicle or means of transport 4 Household goods and furniture 5 Savings and/ investments 6 Health and ability to work 7 Being part of a family with financial support 8 Children/spouse/family 9 Other specify Indicator of each first matching case as Primary Indicator of each first matching case as Primary Indicator of each first matching case as Primary Indicator of each first matching case as Primary Indicator of each first matching case as Primary Duplicate Case 1 Primary Case How often have you or your house...... * BY* Gone without enough food to eat How often have you or your house...... * BY* Gone without enough food to eat How often have you or your house...... * BY* Gone without enough food to eat How often have you or your house...... * BY* Gone without enough food to eat How often have you or your house...... * BY* Gone without enough food to eat -9 Missing Data 1 Always 2 Often 3 Sometimes 4 Reraly 5 Never 6 don't know How often have you or your house...... * BY* Gone without enough clean water f How often have you or your house...... * BY* Gone without enough clean water f How often have you or your house...... * BY* Gone without enough clean water f How often have you or your house...... * BY* Gone without enough clean water f How often have you or your house...... * BY* Gone without enough clean water f -9 Missing Data 1 Always 2 Often 3 Sometimes 4 Reraly 5 Never 6 don't know How often have you or your house...... * BY* Gone without enough clean water for home use How often have you or your house...... * BY* Gone without medicine or medical How often have you or your house...... * BY* Gone without medicine or medical How often have you or your house...... * BY* Gone without medicine or medical How often have you or your house...... * BY* Gone without medicine or medical How often have you or your house...... * BY* Gone without medicine or medical -9 Missing Data 1 Always 2 Often 3 Sometimes 4 Reraly 5 Never 6 don't know How often have you or your house...... * BY* Gone without medicine or medical treatment How often have you or your house...... * BY* Gone without enough fuel to cook How often have you or your house...... * BY* Gone without enough fuel to cook How often have you or your house...... * BY* Gone without enough fuel to cook How often have you or your house...... * BY* Gone without enough fuel to cook How often have you or your house...... * BY* Gone without enough fuel to cook -9 Missing Data 1 Always 2 Often 3 Sometimes 4 Reraly 5 Never 6 don't know How often have you or your house...... * BY* Gone without enough fuel to cook your food How often have you or your house...... * BY* Gone without a cash income How often have you or your house...... * BY* Gone without a cash income How often have you or your house...... * BY* Gone without a cash income How often have you or your house...... * BY* Gone without a cash income How often have you or your house...... * BY* Gone without a cash income -9 Missing Data 1 Always 2 Often 3 Sometimes 4 Reraly 5 Never 6 don't know How often have you or your house...... * BY* Not been able to send children to How often have you or your house...... * BY* Not been able to send children to How often have you or your house...... * BY* Not been able to send children to How often have you or your house...... * BY* Not been able to send children to How often have you or your house...... * BY* Not been able to send children to -9 Missing Data 1 Always 2 Often 3 Sometimes 4 Reraly 5 Never 6 don't know How often have you or your house...... * BY* Not been able to send children to school as aresult of not being....... How often have you or your house...... * BY* Taken children out of school to h How often have you or your house...... * BY* Taken children out of school to h How often have you or your house...... * BY* Taken children out of school to h How often have you or your house...... * BY* Taken children out of school to h How often have you or your house...... * BY* Taken children out of school to h -9 Missing Data 1 Always 2 Often 3 Sometimes 4 Reraly 5 Never 6 don't know How often have you or your house...... * BY* Taken children out of school to help with the household or other activities To whom do you turn or would you turn to * BY* Gone without enough food to eat To whom do you turn or would you turn to * BY* Gone without enough food to eat To whom do you turn or would you turn to * BY* Gone without enough food to eat To whom do you turn or would you turn to * BY* Gone without enough food to eat To whom do you turn or would you turn to * BY* Gone without enough food to eat -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to * BY* Gone without enough food to eat To whom do you turn or would you turn to * BY* Gone without enough clean water To whom do you turn or would you turn to * BY* Gone without enough clean water To whom do you turn or would you turn to * BY* Gone without enough clean water To whom do you turn or would you turn to * BY* Gone without enough clean water To whom do you turn or would you turn to * BY* Gone without enough clean water -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to * BY* Gone without enough clean water for home use To whom do you turn or would you turn to * BY* Gone without medicine or medica To whom do you turn or would you turn to * BY* Gone without medicine or medica To whom do you turn or would you turn to * BY* Gone without medicine or medica To whom do you turn or would you turn to * BY* Gone without medicine or medica To whom do you turn or would you turn to * BY* Gone without medicine or medica -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to * BY* Gone without medicine or medical treatment To whom do you turn or would you turn to * BY* Gone without enough fuel to coo To whom do you turn or would you turn to * BY* Gone without enough fuel to coo To whom do you turn or would you turn to * BY* Gone without enough fuel to coo To whom do you turn or would you turn to * BY* Gone without enough fuel to coo To whom do you turn or would you turn to * BY* Gone without enough fuel to coo -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to * BY* Gone without enough fuel to cook your food To whom do you turn or would you turn to * BY* Gone without a cash income To whom do you turn or would you turn to * BY* Gone without a cash income To whom do you turn or would you turn to * BY* Gone without a cash income To whom do you turn or would you turn to * BY* Gone without a cash income To whom do you turn or would you turn to * BY* Gone without a cash income -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to * BY* Not been able to send children To whom do you turn or would you turn to * BY* Not been able to send children To whom do you turn or would you turn to * BY* Not been able to send children To whom do you turn or would you turn to * BY* Not been able to send children To whom do you turn or would you turn to * BY* Not been able to send children -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to * BY* Not been able to send children to school as aresult of not being....... To whom do you turn or would you turn to * BY* Taken children out of school to To whom do you turn or would you turn to * BY* Taken children out of school to To whom do you turn or would you turn to * BY* Taken children out of school to To whom do you turn or would you turn to * BY* Taken children out of school to To whom do you turn or would you turn to * BY* Taken children out of school to -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to * BY* Taken children out of school to help with the household or other activities To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to(other montioned) * BY* Gone without enough food to eat To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to(other montioned) * BY* Gone without enough clean water for home use To whom do you turn or would you turn to(other montioned) * BY* Gone without m To whom do you turn or would you turn to(other montioned) * BY* Gone without m To whom do you turn or would you turn to(other montioned) * BY* Gone without m To whom do you turn or would you turn to(other montioned) * BY* Gone without m To whom do you turn or would you turn to(other montioned) * BY* Gone without m -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to(other montioned) * BY* Gone without medicine or medical treatment To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e To whom do you turn or would you turn to(other montioned) * BY* Gone without e -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to(other montioned) * BY* Gone without enough fuel to cook your food To whom do you turn or would you turn to(other montioned) * BY* Gone without a To whom do you turn or would you turn to(other montioned) * BY* Gone without a To whom do you turn or would you turn to(other montioned) * BY* Gone without a To whom do you turn or would you turn to(other montioned) * BY* Gone without a To whom do you turn or would you turn to(other montioned) * BY* Gone without a -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to(other montioned) * BY* Gone without a cash income To whom do you turn or would you turn to(other montioned) * BY* Not been able To whom do you turn or would you turn to(other montioned) * BY* Not been able To whom do you turn or would you turn to(other montioned) * BY* Not been able To whom do you turn or would you turn to(other montioned) * BY* Not been able To whom do you turn or would you turn to(other montioned) * BY* Not been able -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to(other montioned) * BY* Not been able to send children to school as aresult of not being....... To whom do you turn or would you turn to(other montioned) * BY* Taken children To whom do you turn or would you turn to(other montioned) * BY* Taken children To whom do you turn or would you turn to(other montioned) * BY* Taken children To whom do you turn or would you turn to(other montioned) * BY* Taken children To whom do you turn or would you turn to(other montioned) * BY* Taken children -9 Missing Data 1 Family/relative 2 Friend/neighbour 3 Employer 4 Community based organisation 5 Church 6 Financial insititution like bank, MFI 7 Government 8 Ward councillor/political leader 9 Saving club 10 Money lender 11 Farmer association 12 No one 13 Don't know 14 Other To whom do you turn or would you turn to(other montioned) * BY* Taken children out of school to help with the household or other activities Do yo have access to *BY* Cellphone Do yo have access to *BY* Cellphone Do yo have access to *BY* Cellphone Do yo have access to *BY* Cellphone Do yo have access to *BY* Cellphone -9 Missing Data 1 Yes 2 No Do yo have access to *BY* Public phone Do yo have access to *BY* Public phone Do yo have access to *BY* Public phone Do yo have access to *BY* Public phone Do yo have access to *BY* Public phone -9 Missing Data 1 Yes 2 No Do yo have access to *BY* Telephone at home Do yo have access to *BY* Telephone at home Do yo have access to *BY* Telephone at home Do yo have access to *BY* Telephone at home Do yo have access to *BY* Telephone at home -9 Missing Data 1 Yes 2 No Do yo have access to *BY* Computer at home Do yo have access to *BY* Computer at home Do yo have access to *BY* Computer at home Do yo have access to *BY* Computer at home Do yo have access to *BY* Computer at home -9 Missing Data 1 Yes 2 No Do yo have access to *BY* Computer elsewhere Do yo have access to *BY* Computer elsewhere Do yo have access to *BY* Computer elsewhere Do yo have access to *BY* Computer elsewhere Do yo have access to *BY* Computer elsewhere -9 Missing Data 1 Yes 2 No Do yo have access to *BY* internet at home Do yo have access to *BY* internet at home Do yo have access to *BY* internet at home Do yo have access to *BY* internet at home Do yo have access to *BY* internet at home -9 Missing Data 1 Yes 2 No Do yo have access to *BY* Internet elsewhere Do yo have access to *BY* Internet elsewhere Do yo have access to *BY* Internet elsewhere Do yo have access to *BY* Internet elsewhere Do yo have access to *BY* Internet elsewhere -9 Missing Data 1 Yes 2 No Do yo have access to *BY* Email at home Do yo have access to *BY* Email at home Do yo have access to *BY* Email at home Do yo have access to *BY* Email at home Do yo have access to *BY* Email at home -9 Missing Data 1 Yes 2 No Do yo have access to *BY* Email elsewhere Do yo have access to *BY* Email elsewhere Do yo have access to *BY* Email elsewhere Do yo have access to *BY* Email elsewhere Do yo have access to *BY* Email elsewhere -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* Cellphone Do you use this atleast once a week *BY* Cellphone Do you use this atleast once a week *BY* Cellphone Do you use this atleast once a week *BY* Cellphone Do you use this atleast once a week *BY* Cellphone -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* Public phone Do you use this atleast once a week *BY* Public phone Do you use this atleast once a week *BY* Public phone Do you use this atleast once a week *BY* Public phone Do you use this atleast once a week *BY* Public phone -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* Telephone at home Do you use this atleast once a week *BY* Telephone at home Do you use this atleast once a week *BY* Telephone at home Do you use this atleast once a week *BY* Telephone at home Do you use this atleast once a week *BY* Telephone at home -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* Computer at home Do you use this atleast once a week *BY* Computer at home Do you use this atleast once a week *BY* Computer at home Do you use this atleast once a week *BY* Computer at home Do you use this atleast once a week *BY* Computer at home -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* Computer elsewhere Do you use this atleast once a week *BY* Computer elsewhere Do you use this atleast once a week *BY* Computer elsewhere Do you use this atleast once a week *BY* Computer elsewhere Do you use this atleast once a week *BY* Computer elsewhere -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* internet at home Do you use this atleast once a week *BY* internet at home Do you use this atleast once a week *BY* internet at home Do you use this atleast once a week *BY* internet at home Do you use this atleast once a week *BY* internet at home -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* Internet elsewhere Do you use this atleast once a week *BY* Internet elsewhere Do you use this atleast once a week *BY* Internet elsewhere Do you use this atleast once a week *BY* Internet elsewhere Do you use this atleast once a week *BY* Internet elsewhere -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* Email at home Do you use this atleast once a week *BY* Email at home Do you use this atleast once a week *BY* Email at home Do you use this atleast once a week *BY* Email at home Do you use this atleast once a week *BY* Email at home -9 Missing Data 1 Yes 2 No Do you use this atleast once a week *BY* Email elsewhere Do you use this atleast once a week *BY* Email elsewhere Do you use this atleast once a week *BY* Email elsewhere Do you use this atleast once a week *BY* Email elsewhere Do you use this atleast once a week *BY* Email elsewhere -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* National registration car Which of the documents do you have in your name *BY* National registration car Which of the documents do you have in your name *BY* National registration car Which of the documents do you have in your name *BY* National registration car Which of the documents do you have in your name *BY* National registration car -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* National registration card Which of the documents do you have in your name *BY* drivers licence Which of the documents do you have in your name *BY* drivers licence Which of the documents do you have in your name *BY* drivers licence Which of the documents do you have in your name *BY* drivers licence Which of the documents do you have in your name *BY* drivers licence -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Passport Which of the documents do you have in your name *BY* Passport Which of the documents do you have in your name *BY* Passport Which of the documents do you have in your name *BY* Passport Which of the documents do you have in your name *BY* Passport -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Electricity?water bill Which of the documents do you have in your name *BY* Electricity?water bill Which of the documents do you have in your name *BY* Electricity?water bill Which of the documents do you have in your name *BY* Electricity?water bill Which of the documents do you have in your name *BY* Electricity?water bill -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Telephone/Zamtel Which of the documents do you have in your name *BY* Telephone/Zamtel Which of the documents do you have in your name *BY* Telephone/Zamtel Which of the documents do you have in your name *BY* Telephone/Zamtel Which of the documents do you have in your name *BY* Telephone/Zamtel -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Bank statement Which of the documents do you have in your name *BY* Bank statement Which of the documents do you have in your name *BY* Bank statement Which of the documents do you have in your name *BY* Bank statement Which of the documents do you have in your name *BY* Bank statement -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Lease or rental agreement Which of the documents do you have in your name *BY* Lease or rental agreement Which of the documents do you have in your name *BY* Lease or rental agreement Which of the documents do you have in your name *BY* Lease or rental agreement Which of the documents do you have in your name *BY* Lease or rental agreement -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Lease or rental agreement Which of the documents do you have in your name *BY* Subscription Which of the documents do you have in your name *BY* Subscription Which of the documents do you have in your name *BY* Subscription Which of the documents do you have in your name *BY* Subscription Which of the documents do you have in your name *BY* Subscription -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Tax return Which of the documents do you have in your name *BY* Tax return Which of the documents do you have in your name *BY* Tax return Which of the documents do you have in your name *BY* Tax return Which of the documents do you have in your name *BY* Tax return -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Insurance policy Which of the documents do you have in your name *BY* Insurance policy Which of the documents do you have in your name *BY* Insurance policy Which of the documents do you have in your name *BY* Insurance policy Which of the documents do you have in your name *BY* Insurance policy -9 Missing Data 1 Yes 2 No Which of the documents do you have in your name *BY* Payslip from employer Which of the documents do you have in your name *BY* Payslip from employer Which of the documents do you have in your name *BY* Payslip from employer Which of the documents do you have in your name *BY* Payslip from employer Which of the documents do you have in your name *BY* Payslip from employer -9 Missing Data 1 Yes 2 No Own television Own television Own television Own television Own television No 1 Yes Own radio Own radio Own radio Own radio Own radio No 1 Yes Own Refridgerator Own Refridgerator Own Refridgerator Own Refridgerator Own Refridgerator No 1 Yes Own Stove with oven Own Stove with oven Own Stove with oven Own Stove with oven Own Stove with oven No 1 Yes Own Generator Own Generator Own Generator Own Generator Own Generator No 1 Yes Own a Car or Track Own a Car or Track Own a Car or Track Own a Car or Track Own a Car or Track No 1 Yes Own a four wheel drive Own a four wheel drive Own a four wheel drive Own a four wheel drive Own a four wheel drive No 1 Yes Own a Cell phone Own a Cell phone Own a Cell phone Own a Cell phone Own a Cell phone No 1 Yes Own a Bicycle Own a Bicycle Own a Bicycle Own a Bicycle Own a Bicycle No 1 Yes Own a sewing machine Own a sewing machine Own a sewing machine Own a sewing machine Own a sewing machine No 1 Yes Own a Bed Own a Bed Own a Bed Own a Bed Own a Bed No 1 Yes Own a Lounge Suite Own a Lounge Suite Own a Lounge Suite Own a Lounge Suite Own a Lounge Suite No 1 Yes Ward Ward Ward Ward Ward No 1 Yes Own a tractor Own a tractor Own a tractor Own a tractor Own a tractor No 1 Yes Own a Plough Own a Plough Own a Plough Own a Plough Own a Plough No 1 Yes Own picks_hoes_handtools for working land Own picks_hoes_handtools for working land Own picks_hoes_handtools for working land Own picks_hoes_handtools for working land Own picks_hoes_handtools for working land No 1 Yes Own a Hand drawn cart Own a Hand drawn cart Own a Hand drawn cart Own a Hand drawn cart Own a Hand drawn cart No 1 Yes Own a Donkey or Ox drawn cart Own a Donkey or Ox drawn cart Own a Donkey or Ox drawn cart Own a Donkey or Ox drawn cart Own a Donkey or Ox drawn cart No 1 Yes Which of the following statement describes your hh best Which of the following statement describes your hh best Which of the following statement describes your hh best Which of the following statement describes your hh best Which of the following statement describes your hh best -9 Missing Data 1 Your hh is only involed in farming/fishing and none in the hh has ... 2 Your household is involved in farming/fishing and other work 3 Your household is NOT involved in farming or fishing at all Your household will sell some of your livestock....? Your household will sell some of your livestock....? Your household will sell some of your livestock....? Your household will sell some of your livestock....? Your household will sell some of your livestock....? -9 Missing Data 1 True 2 False 3 Don't know Your household regards your livestock as a form of savings Your household regards your livestock as a form of savings Your household regards your livestock as a form of savings Your household regards your livestock as a form of savings Your household regards your livestock as a form of savings -9 Missing Data 1 True 2 False 3 Don't know Your household will use your livestock as security.....money Your household will use your livestock as security.....money Your household will use your livestock as security.....money Your household will use your livestock as security.....money Your household will use your livestock as security.....money -9 Missing Data 1 True 2 False 3 Don't know Your household will never sell your livestock. Your household will never sell your livestock. Your household will never sell your livestock. Your household will never sell your livestock. Your household will never sell your livestock. -9 Missing Data 1 True 2 False 3 Don't know Which one of the following describes your household stuation Which one of the following describes your household stuation Which one of the following describes your household stuation Which one of the following describes your household stuation Which one of the following describes your household stuation -9 Missing Data 1 You sell most of your farm produce/fish 2 You use most of your farm produce/fish 3 You use ALL your farm produce/fish and sell nothing Beans Beans Beans Beans Beans -9 Missing Data 1 Yes 2 No Cassava Cassava Cassava Cassava Cassava -9 Missing Data 1 Yes 2 No Coffee Coffee Coffee Coffee Coffee -9 Missing Data 1 Yes 2 No Cotton/Seed cotton Cotton/Seed cotton Cotton/Seed cotton Cotton/Seed cotton Cotton/Seed cotton -9 Missing Data 1 Yes 2 No Cowpeas Cowpeas Cowpeas Cowpeas Cowpeas -9 Missing Data 1 Yes 2 No Groundnuts Groundnuts Groundnuts Groundnuts Groundnuts -9 Missing Data 1 Yes 2 No Irish potatoes Irish potatoes Irish potatoes Irish potatoes Irish potatoes -9 Missing Data 1 Yes 2 No Maize Maize Maize Maize Maize -9 Missing Data 1 Yes 2 No Millet Millet Millet Millet Millet -9 Missing Data 1 Yes 2 No Rice Rice Rice Rice Rice -9 Missing Data 1 Yes 2 No Sorghum Sorghum Sorghum Sorghum Sorghum -9 Missing Data 1 Yes 2 No Soya bean Soya bean Soya bean Soya bean Soya bean -9 Missing Data 1 Yes 2 No Sugar cane Sugar cane Sugar cane Sugar cane Sugar cane -9 Missing Data 1 Yes 2 No Sunflower Sunflower Sunflower Sunflower Sunflower -9 Missing Data 1 Yes 2 No Sweet potatoes Sweet potatoes Sweet potatoes Sweet potatoes Sweet potatoes -9 Missing Data 1 Yes 2 No Tobacco Tobacco Tobacco Tobacco Tobacco -9 Missing Data 1 Yes 2 No Wheat Wheat Wheat Wheat Wheat -9 Missing Data 1 Yes 2 No Vegetables Vegetables Vegetables Vegetables Vegetables -9 Missing Data 1 Yes 2 No Other crops Other crops Other crops Other crops Other crops -9 Missing Data 1 Yes 2 No Cattle Cattle Cattle Cattle Cattle -9 Missing Data 1 Yes 2 No Goats Goats Goats Goats Goats -9 Missing Data 1 Yes 2 No Sheep Sheep Sheep Sheep Sheep -9 Missing Data 1 Yes 2 No Pigs Pigs Pigs Pigs Pigs -9 Missing Data 1 Yes 2 No Other livestock specify Other livestock specify Other livestock specify Other livestock specify Other livestock specify -9 Missing Data 1 Yes 2 No Poutry Poutry Poutry Poutry Poutry -9 Missing Data 1 Yes 2 No Fish-lake/river Fish-lake/river Fish-lake/river Fish-lake/river Fish-lake/river -9 Missing Data 1 Yes 2 No Fish farming Fish farming Fish farming Fish farming Fish farming -9 Missing Data 1 Yes 2 No S2Q3.1: For your farming and/or fishing activities......where do you S2Q3.1: For your farming and/or fishing activities......where do you S2Q3.1: For your farming and/or fishing activities......where do you S2Q3.1: For your farming and/or fishing activities......where do you S2Q3.1: For your farming and/or fishing activities......where do you -9 Missing Data 1 I do not use any inputs for farming or fishing activities 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 3 I have money to buy it, I use money from other sources of income 4 I Use savings I have 5 I sell some of my crops and use the money 6 I sell some of my livestock and use the money 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 9 I do piece work to get money to buy it 10 I get it in exchange for work I do 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 12 I get from a supplier or distributor and pay later 13 I get a loan from a bank 14 I get a loan from another financial institution (eg MFI, SACCO) 15 I get a loan from a farmers association 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 17 I borrow from a money lender eg Kaloba,shylock 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 20 A relative or friend gives them to me or gives me money to buy it 21 A relative or friend takes a loan to buy them for me 22 Other specify 23 Does not know S2Q3.2: For your farming and/or fishing activities......where do you S2Q3.2: For your farming and/or fishing activities......where do you S2Q3.2: For your farming and/or fishing activities......where do you S2Q3.2: For your farming and/or fishing activities......where do you S2Q3.2: For your farming and/or fishing activities......where do you -9 Missing Data 1 I do not use any inputs for farming or fishing activities 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 3 I have money to buy it, I use money from other sources of income 4 I Use savings I have 5 I sell some of my crops and use the money 6 I sell some of my livestock and use the money 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 9 I do piece work to get money to buy it 10 I get it in exchange for work I do 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 12 I get from a supplier or distributor and pay later 13 I get a loan from a bank 14 I get a loan from another financial institution (eg MFI, SACCO) 15 I get a loan from a farmers association 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 17 I borrow from a money lender eg Kaloba,shylock 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 20 A relative or friend gives them to me or gives me money to buy it 21 A relative or friend takes a loan to buy them for me 22 Other specify 23 Does not know S2Q3.3: For your farming and/or fishing activities......where do you S2Q3.3: For your farming and/or fishing activities......where do you S2Q3.3: For your farming and/or fishing activities......where do you S2Q3.3: For your farming and/or fishing activities......where do you S2Q3.3: For your farming and/or fishing activities......where do you -9 Missing Data 1 I do not use any inputs for farming or fishing activities 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 3 I have money to buy it, I use money from other sources of income 4 I Use savings I have 5 I sell some of my crops and use the money 6 I sell some of my livestock and use the money 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 9 I do piece work to get money to buy it 10 I get it in exchange for work I do 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 12 I get from a supplier or distributor and pay later 13 I get a loan from a bank 14 I get a loan from another financial institution (eg MFI, SACCO) 15 I get a loan from a farmers association 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 17 I borrow from a money lender eg Kaloba,shylock 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 20 A relative or friend gives them to me or gives me money to buy it 21 A relative or friend takes a loan to buy them for me 22 Other specify 23 Does not know S2Q3.4: For your farming and/or fishing activities......where do you S2Q3.4: For your farming and/or fishing activities......where do you S2Q3.4: For your farming and/or fishing activities......where do you S2Q3.4: For your farming and/or fishing activities......where do you S2Q3.4: For your farming and/or fishing activities......where do you -9 Missing Data 1 I do not use any inputs for farming or fishing activities 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 3 I have money to buy it, I use money from other sources of income 4 I Use savings I have 5 I sell some of my crops and use the money 6 I sell some of my livestock and use the money 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 9 I do piece work to get money to buy it 10 I get it in exchange for work I do 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 12 I get from a supplier or distributor and pay later 13 I get a loan from a bank 14 I get a loan from another financial institution (eg MFI, SACCO) 15 I get a loan from a farmers association 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 17 I borrow from a money lender eg Kaloba,shylock 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 20 A relative or friend gives them to me or gives me money to buy it 21 A relative or friend takes a loan to buy them for me 22 Other specify 23 Does not know S2Q3.5: For your farming and/or fishing activities......where do you S2Q3.5: For your farming and/or fishing activities......where do you S2Q3.5: For your farming and/or fishing activities......where do you S2Q3.5: For your farming and/or fishing activities......where do you S2Q3.5: For your farming and/or fishing activities......where do you -9 Missing Data 1 I do not use any inputs for farming or fishing activities 2 I don't have to buy because I manage with what I have already (keeping seed from own harvest, using organic fertiliser, 3 I have money to buy it, I use money from other sources of income 4 I Use savings I have 5 I sell some of my crops and use the money 6 I sell some of my livestock and use the money 7 I sell products like milk, eggs that I get from my own animals to get money to buy it 8 I sell something I collect from nature (eg thatch, wood) to get money to buy it 9 I do piece work to get money to buy it 10 I get it in exchange for work I do 11 I get it from a buyer to whom I have to sell my crop, livestock or fish when it is ready 12 I get from a supplier or distributor and pay later 13 I get a loan from a bank 14 I get a loan from another financial institution (eg MFI, SACCO) 15 I get a loan from a farmers association 16 I borrow from a community/savings group where we save and lend to each other (eg Chilimba, ROSCA, ASCA) 17 I borrow from a money lender eg Kaloba,shylock 18 Government or a government body gives them to me or subsidises the cost (eg subsidised fertiliser) 19 A Non-Government Organisation (NGO) or community based organisation gives them to me or subsidises the cost 20 A relative or friend gives them to me or gives me money to buy it 21 A relative or friend takes a loan to buy them for me 22 Other specify 23 Does not know S2Q3A.1: During which months is the your expenditure on your farming S2Q3A.1: During which months is the your expenditure on your farming S2Q3A.1: During which months is the your expenditure on your farming S2Q3A.1: During which months is the your expenditure on your farming S2Q3A.1: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know S2Q3A.2: During which months is the your expenditure on your farming S2Q3A.2: During which months is the your expenditure on your farming S2Q3A.2: During which months is the your expenditure on your farming S2Q3A.2: During which months is the your expenditure on your farming S2Q3A.2: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know S2Q3A.3: During which months is the your expenditure on your farming S2Q3A.3: During which months is the your expenditure on your farming S2Q3A.3: During which months is the your expenditure on your farming S2Q3A.3: During which months is the your expenditure on your farming S2Q3A.3: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know S2Q3A.4: During which months is the your expenditure on your farming S2Q3A.4: During which months is the your expenditure on your farming S2Q3A.4: During which months is the your expenditure on your farming S2Q3A.4: During which months is the your expenditure on your farming S2Q3A.4: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know S2Q3A.5: During which months is the your expenditure on your farming S2Q3A.5: During which months is the your expenditure on your farming S2Q3A.5: During which months is the your expenditure on your farming S2Q3A.5: During which months is the your expenditure on your farming S2Q3A.5: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know S2Q3A.6: During which months is the your expenditure on your farming S2Q3A.6: During which months is the your expenditure on your farming S2Q3A.6: During which months is the your expenditure on your farming S2Q3A.6: During which months is the your expenditure on your farming S2Q3A.6: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know S2Q3A.7: During which months is the your expenditure on your farming S2Q3A.7: During which months is the your expenditure on your farming S2Q3A.7: During which months is the your expenditure on your farming S2Q3A.7: During which months is the your expenditure on your farming S2Q3A.7: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know S2Q3A.8: During which months is the your expenditure on your farming S2Q3A.8: During which months is the your expenditure on your farming S2Q3A.8: During which months is the your expenditure on your farming S2Q3A.8: During which months is the your expenditure on your farming S2Q3A.8: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know S2Q3A.9: During which months is the your expenditure on your farming S2Q3A.9: During which months is the your expenditure on your farming S2Q3A.9: During which months is the your expenditure on your farming S2Q3A.9: During which months is the your expenditure on your farming S2Q3A.9: During which months is the your expenditure on your farming -9 Missing Data 1 January 2 February 3 March 4 April 5 May 6 June 7 July 8 August 9 September 10 October 11 November 12 December 13 All months are the same 14 NA-no expenditure 15 Don't know How do you prefer to be paid for these activities tha we jus How do you prefer to be paid for these activities tha we jus How do you prefer to be paid for these activities tha we jus How do you prefer to be paid for these activities tha we jus How do you prefer to be paid for these activities tha we jus -9 Missing Data 1 cash 2 cheque 3 Into bank account 4 other specify Do you work...... Do you work...... Do you work...... Do you work...... Do you work...... 1 full-time 2 part-time You said you got money from hh member who gives .... You said you got money from hh member who gives .... You said you got money from hh member who gives .... You said you got money from hh member who gives .... You said you got money from hh member who gives .... -9 Missing Data 1 Parent 2 Child 3 Spouse/paterner 4 Other TOTAL MONTHLY PERSONAL INCOME..... TOTAL MONTHLY PERSONAL INCOME..... TOTAL MONTHLY PERSONAL INCOME..... TOTAL MONTHLY PERSONAL INCOME..... TOTAL MONTHLY PERSONAL INCOME..... -9 Missing Data 1 No income 2 Less than K50,000 3 K50,000 - K100,000 4 K100,001 - K150,000 5 K150,001 - K200,000 6 K200,001 - K300,000 7 K300,001 - K400,000 8 K400,001 - K600,000 9 K600,001 - K800,000 10 K800,001 - K1,000,000 11 K1,000,001 - K5,000,000 12 K5,000,001 - K10,000,000 13 Over K10,000,000 14 Don't have monthly income 15 Uncertain / Do not know 16 Refuse to answer TOTAL ANNUAL PERSONAL INCOME..... TOTAL ANNUAL PERSONAL INCOME..... TOTAL ANNUAL PERSONAL INCOME..... TOTAL ANNUAL PERSONAL INCOME..... TOTAL ANNUAL PERSONAL INCOME..... -9 Missing Data 1 No income 2 Up to K500,000 3 K500,001 - K1,000,000 4 K1,000,001 - K2,000,000 5 K2,000,001 - K5,000,000 6 K5,000,001 - K10,000,000 7 K10,000,001 - K20,000,000 8 K20,000,001 - K30,000,000 9 K30,000,001 - K50,000,000 10 Over K50,000,000 11 Uncertain / Do not know 12 Refuse to answer Which of the.....is most accurate? Which of the.....is most accurate? Which of the.....is most accurate? Which of the.....is most accurate? Which of the.....is most accurate? -9 Missing Data 1 Annual 2 Monthly 3 Both accurate 4 Dont know Do you have money of your own.... Do you have money of your own.... Do you have money of your own.... Do you have money of your own.... Do you have money of your own.... -9 Missing Data 1 Yes 2 No Why not? Why not? Why not? Why not? Why not? -9 Missing Data 1 Money goes into household expenses 2 Have to give my money to household member/family member 3 Does not get an income 4 Other specify 5 Refused to answer Which of the following events is the most costly? Which of the following events is the most costly? Which of the following events is the most costly? Which of the following events is the most costly? Which of the following events is the most costly? -9 Missing Data 1 Birth of a child 2 Lobola 3 Wedding 4 Funeral 5 illness or medical emergency 6 Children's education 7 does not know How would you pay for it? How would you pay for it? How would you pay for it? How would you pay for it? How would you pay for it? -9 Missing Data 1 Save for it 2 Rely on saving club 3 Borrow money at the time 4 Rely on family/friends 5 Rely on community 6 Cell something to cover the costs 7 Don't know 8 Other Which source of money do you rely on most to make a living? Which source of money do you rely on most to make a living? Which source of money do you rely on most to make a living? Which source of money do you rely on most to make a living? Which source of money do you rely on most to make a living? -9 Missing Data 1 Salaries / wages from a company / business 2 Salaries / wages from a farm 3 Salaries / wages from an individual (incl family) 4 Salaries/wages from government 5 Self-employed in own business 6 Money from farming - sale of crops/livestock/poultry or by-products such as milk, eggs, meat 7 Money from fishing/fish farming 8 Rental income 9 Private pension 10 State/Government pension 11 Social welfare money/grant from Government 12 Maintenance money 13 Interest from savings, investments, stocks, unit trusts,etc. 14 Money from business investments in the country 15 Money from business investments outside the country 16 Money from family in the country 17 Money from family outside the country 18 Money from friend in the country 19 Money from friend outside the country 20 Get money from household member 21 Household member pays all my expenses 22 Borrow goods to sell for income and repaying lender after selling (marketeering) 23 Exchanging goods and selling the exchanged goods 24 Piece work 25 Trading products collected from nature (such as wood, thatch, charcoal, honey, muti etc.) 26 Provide financial services to your community for profit (money lender) 27 Other specify 28 Do not receive income S3Q1.1: Most three important item you pay for S3Q1.1: Most three important item you pay for S3Q1.1: Most three important item you pay for S3Q1.1: Most three important item you pay for S3Q1.1: Most three important item you pay for -9 Missing Data 1 Rent 2 Electricity bills 3 Water bills 4 Telephone / cellphone bills 5 Food & groceries 6 Clothing 7 Medical expenses 8 School / tuition fees 9 Fuel - Charcoal / Wood / Paraffin 10 Petrol / Diesel 11 Savings club contribution e.g. Chilimba, ROSCA, ASCA 12 Money owed to store where I got goods 13 Money owed to suppliers of the goods I sell 14 Loan from bank 15 Loan from another financial institution 16 Loan from money lender eg Kaloba, shylock 17 Money owed to family/friends 18 Other specify 19 I don't have expenditure S3Q1.2: Most three important item you pay for S3Q1.2: Most three important item you pay for S3Q1.2: Most three important item you pay for S3Q1.2: Most three important item you pay for S3Q1.2: Most three important item you pay for -9 Missing Data 1 Rent 2 Electricity bills 3 Water bills 4 Telephone / cellphone bills 5 Food & groceries 6 Clothing 7 Medical expenses 8 School / tuition fees 9 Fuel - Charcoal / Wood / Paraffin 10 Petrol / Diesel 11 Savings club contribution e.g. Chilimba, ROSCA, ASCA 12 Money owed to store where I got goods 13 Money owed to suppliers of the goods I sell 14 Loan from bank 15 Loan from another financial institution 16 Loan from money lender eg Kaloba, shylock 17 Money owed to family/friends 18 Other specify 19 I don't have expenditure S3Q1.3: Most three important item you pay for S3Q1.3: Most three important item you pay for S3Q1.3: Most three important item you pay for S3Q1.3: Most three important item you pay for S3Q1.3: Most three important item you pay for -9 Missing Data 1 Rent 2 Electricity bills 3 Water bills 4 Telephone / cellphone bills 5 Food & groceries 6 Clothing 7 Medical expenses 8 School / tuition fees 9 Fuel - Charcoal / Wood / Paraffin 10 Petrol / Diesel 11 Savings club contribution e.g. Chilimba, ROSCA, ASCA 12 Money owed to store where I got goods 13 Money owed to suppliers of the goods I sell 14 Loan from bank 15 Loan from another financial institution 16 Loan from money lender eg Kaloba, shylock 17 Money owed to family/friends 18 Other specify 19 I don't have expenditure S3Q2A.1: How do you pay for food/groceries S3Q2A.1: How do you pay for food/groceries S3Q2A.1: How do you pay for food/groceries S3Q2A.1: How do you pay for food/groceries S3Q2A.1: How do you pay for food/groceries -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2A.2: How do you pay for food/groceries S3Q2A.2: How do you pay for food/groceries S3Q2A.2: How do you pay for food/groceries S3Q2A.2: How do you pay for food/groceries S3Q2A.2: How do you pay for food/groceries -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2A.3: How do you pay for food/groceries S3Q2A.3: How do you pay for food/groceries S3Q2A.3: How do you pay for food/groceries S3Q2A.3: How do you pay for food/groceries S3Q2A.3: How do you pay for food/groceries -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2A.4: How do you pay for food/groceries S3Q2A.4: How do you pay for food/groceries S3Q2A.4: How do you pay for food/groceries S3Q2A.4: How do you pay for food/groceries S3Q2A.4: How do you pay for food/groceries -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2B.1: How do you pay for clothes S3Q2B.1: How do you pay for clothes S3Q2B.1: How do you pay for clothes S3Q2B.1: How do you pay for clothes S3Q2B.1: How do you pay for clothes -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2B.2: How do you pay for clothes S3Q2B.2: How do you pay for clothes S3Q2B.2: How do you pay for clothes S3Q2B.2: How do you pay for clothes S3Q2B.2: How do you pay for clothes -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2B.3: How do you pay for clothes S3Q2B.3: How do you pay for clothes S3Q2B.3: How do you pay for clothes S3Q2B.3: How do you pay for clothes S3Q2B.3: How do you pay for clothes -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2B.4: How do you pay for clothes S3Q2B.4: How do you pay for clothes S3Q2B.4: How do you pay for clothes S3Q2B.4: How do you pay for clothes S3Q2B.4: How do you pay for clothes -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2C.1: How do you pay for larger hh goos or appliances S3Q2C.1: How do you pay for larger hh goos or appliances S3Q2C.1: How do you pay for larger hh goos or appliances S3Q2C.1: How do you pay for larger hh goos or appliances S3Q2C.1: How do you pay for larger hh goos or appliances -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2C.2: How do you pay for larger hh goos or appliances S3Q2C.2: How do you pay for larger hh goos or appliances S3Q2C.2: How do you pay for larger hh goos or appliances S3Q2C.2: How do you pay for larger hh goos or appliances S3Q2C.2: How do you pay for larger hh goos or appliances -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2C.3: How do you pay for larger hh goos or appliances S3Q2C.3: How do you pay for larger hh goos or appliances S3Q2C.3: How do you pay for larger hh goos or appliances S3Q2C.3: How do you pay for larger hh goos or appliances S3Q2C.3: How do you pay for larger hh goos or appliances -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this S3Q2C.4: How do you pay for larger hh goos or appliances S3Q2C.4: How do you pay for larger hh goos or appliances S3Q2C.4: How do you pay for larger hh goos or appliances S3Q2C.4: How do you pay for larger hh goos or appliances S3Q2C.4: How do you pay for larger hh goos or appliances -9 Missing Data 1 By using cash 2 By borrowing money and paying in cash 3 By cheque 4 By debit card / ATM card / Cashpoint card / Connect card 5 By credit card e.g. Master Card 6 By other bank card 7 Cell phone payment 8 Internet payment 9 By getting from the store/supplier and paying later with interest 10 By getting from the store/supplier and paying later without interest 11 By exchanging goods for this 12 By doing piece work or providing services for it 13 Other specify 14 I don't buy this Regular source of income from... Salaries / wages from a company / business Regular source of income from... Salaries / wages from a company / business Regular source of income from... Salaries / wages from a company / business Regular source of income from... Salaries / wages from a company / business Regular source of income from... Salaries / wages from a company / business -9 Missing Data 1 Yes 2 No Regular source of income from... Salaries / wages from a farm Regular source of income from... Salaries / wages from a farm Regular source of income from... Salaries / wages from a farm Regular source of income from... Salaries / wages from a farm Regular source of income from... Salaries / wages from a farm -9 Missing Data 1 Yes 2 No Regular source of income from... Salaries / wages from an individual (incl fam Regular source of income from... Salaries / wages from an individual (incl fam Regular source of income from... Salaries / wages from an individual (incl fam Regular source of income from... Salaries / wages from an individual (incl fam Regular source of income from... Salaries / wages from an individual (incl fam -9 Missing Data 1 Yes 2 No Regular source of income from... Salaries / wages from an individual (incl family) Regular source of income from... Salaries/wages from government Regular source of income from... Salaries/wages from government Regular source of income from... Salaries/wages from government Regular source of income from... Salaries/wages from government Regular source of income from... Salaries/wages from government -9 Missing Data 1 Yes 2 No Regular source of income from... Self-employed in own business Regular source of income from... Self-employed in own business Regular source of income from... Self-employed in own business Regular source of income from... Self-employed in own business Regular source of income from... Self-employed in own business -9 Missing Data 1 Yes 2 No Regular source of income from... Money from farming - sale of crops/livestock/ Regular source of income from... Money from farming - sale of crops/livestock/ Regular source of income from... Money from farming - sale of crops/livestock/ Regular source of income from... Money from farming - sale of crops/livestock/ Regular source of income from... Money from farming - sale of crops/livestock/ -9 Missing Data 1 Yes 2 No Regular source of income from... Money from farming - sale of crops/livestock/poultry or by-products such as milk, eggs, meat Regular source of income from... Money from fishing/fish farming Regular source of income from... Money from fishing/fish farming Regular source of income from... Money from fishing/fish farming Regular source of income from... Money from fishing/fish farming Regular source of income from... Money from fishing/fish farming -9 Missing Data 1 Yes 2 No Regular source of income from... Rental income Regular source of income from... Rental income Regular source of income from... Rental income Regular source of income from... Rental income Regular source of income from... Rental income -9 Missing Data 1 Yes 2 No Regular source of income from... Private pension Regular source of income from... Private pension Regular source of income from... Private pension Regular source of income from... Private pension Regular source of income from... Private pension -9 Missing Data 1 Yes 2 No Regular source of income from... State/Government pension Regular source of income from... State/Government pension Regular source of income from... State/Government pension Regular source of income from... State/Government pension Regular source of income from... State/Government pension -9 Missing Data 1 Yes 2 No Regular source of income from... Social welfare money/grant from Government Regular source of income from... Social welfare money/grant from Government Regular source of income from... Social welfare money/grant from Government Regular source of income from... Social welfare money/grant from Government Regular source of income from... Social welfare money/grant from Government -9 Missing Data 1 Yes 2 No Regular source of income from... Maintenance money Regular source of income from... Maintenance money Regular source of income from... Maintenance money Regular source of income from... Maintenance money Regular source of income from... Maintenance money -9 Missing Data 1 Yes 2 No Regular source of income from... Interest from savings, investments, stocks, u Regular source of income from... Interest from savings, investments, stocks, u Regular source of income from... Interest from savings, investments, stocks, u Regular source of income from... Interest from savings, investments, stocks, u Regular source of income from... Interest from savings, investments, stocks, u -9 Missing Data 1 Yes 2 No Regular source of income from... Interest from savings, investments, stocks, unit trusts,etc. Regular source of income from... Money from business investments in the countr Regular source of income from... Money from business investments in the countr Regular source of income from... Money from business investments in the countr Regular source of income from... Money from business investments in the countr Regular source of income from... Money from business investments in the countr -9 Missing Data 1 Yes 2 No Regular source of income from... Money from business investments in the country Regular source of income from... Money from business investments outside the c Regular source of income from... Money from business investments outside the c Regular source of income from... Money from business investments outside the c Regular source of income from... Money from business investments outside the c Regular source of income from... Money from business investments outside the c -9 Missing Data 1 Yes 2 No Regular source of income from... Money from business investments outside the country Regular source of income from... Money from family in the country Regular source of income from... Money from family in the country Regular source of income from... Money from family in the country Regular source of income from... Money from family in the country Regular source of income from... Money from family in the country -9 Missing Data 1 Yes 2 No Regular source of income from... Money from family outside the country Regular source of income from... Money from family outside the country Regular source of income from... Money from family outside the country Regular source of income from... Money from family outside the country Regular source of income from... Money from family outside the country -9 Missing Data 1 Yes 2 No Regular source of income from... Money from friend in the country Regular source of income from... Money from friend in the country Regular source of income from... Money from friend in the country Regular source of income from... Money from friend in the country Regular source of income from... Money from friend in the country -9 Missing Data 1 Yes 2 No Regular source of income from... Money from friend outside the country Regular source of income from... Money from friend outside the country Regular source of income from... Money from friend outside the country Regular source of income from... Money from friend outside the country Regular source of income from... Money from friend outside the country -9 Missing Data 1 Yes 2 No Regular source of income from... Get money from household member Regular source of income from... Get money from household member Regular source of income from... Get money from household member Regular source of income from... Get money from household member Regular source of income from... Get money from household member -9 Missing Data 1 Yes 2 No Regular source of income from... Household member pays all my expenses Regular source of income from... Household member pays all my expenses Regular source of income from... Household member pays all my expenses Regular source of income from... Household member pays all my expenses Regular source of income from... Household member pays all my expenses -9 Missing Data 1 Yes 2 No Regular source of income from... Borrow goods to sell for income and repaying Regular source of income from... Borrow goods to sell for income and repaying Regular source of income from... Borrow goods to sell for income and repaying Regular source of income from... Borrow goods to sell for income and repaying Regular source of income from... Borrow goods to sell for income and repaying -9 Missing Data 1 Yes 2 No Regular source of income from... Borrow goods to sell for income and repaying lender after selling (marketeering) Regular source of income from... Exchanging goods and selling the exchanged go Regular source of income from... Exchanging goods and selling the exchanged go Regular source of income from... Exchanging goods and selling the exchanged go Regular source of income from... Exchanging goods and selling the exchanged go Regular source of income from... Exchanging goods and selling the exchanged go -9 Missing Data 1 Yes 2 No Regular source of income from... Exchanging goods and selling the exchanged goods Regular source of income from... Piece work Regular source of income from... Piece work Regular source of income from... Piece work Regular source of income from... Piece work Regular source of income from... Piece work -9 Missing Data 1 Yes 2 No Regular source of income from... Trading products collected from nature (such Regular source of income from... Trading products collected from nature (such Regular source of income from... Trading products collected from nature (such Regular source of income from... Trading products collected from nature (such Regular source of income from... Trading products collected from nature (such -9 Missing Data 1 Yes 2 No Regular source of income from... Trading products collected from nature (such as wood, thatch, charcoal, honey, muti etc.) Regular source of income from... Provide financial services to your community Regular source of income from... Provide financial services to your community Regular source of income from... Provide financial services to your community Regular source of income from... Provide financial services to your community Regular source of income from... Provide financial services to your community -9 Missing Data 1 Yes 2 No Regular source of income from... Provide financial services to your community for profit (money lender) Regular source of income from... Other specify Regular source of income from... Other specify Regular source of income from... Other specify Regular source of income from... Other specify Regular source of income from... Other specify -9 Missing Data 1 Yes 2 No Regular source of income from... Do not receive income Regular source of income from... Do not receive income Regular source of income from... Do not receive income Regular source of income from... Do not receive income Regular source of income from... Do not receive income -9 Missing Data 1 Yes 2 No Times of the year when money from... Salaries / wages from a company / business Times of the year when money from... Salaries / wages from a company / business Times of the year when money from... Salaries / wages from a company / business Times of the year when money from... Salaries / wages from a company / business Times of the year when money from... Salaries / wages from a company / business -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Salaries / wages from a company / business is received Times of the year when money from... Salaries / wages from a farm is received Times of the year when money from... Salaries / wages from a farm is received Times of the year when money from... Salaries / wages from a farm is received Times of the year when money from... Salaries / wages from a farm is received Times of the year when money from... Salaries / wages from a farm is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Salaries / wages from an individual (incl Times of the year when money from... Salaries / wages from an individual (incl Times of the year when money from... Salaries / wages from an individual (incl Times of the year when money from... Salaries / wages from an individual (incl Times of the year when money from... Salaries / wages from an individual (incl -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Salaries / wages from an individual (incl family) is received Times of the year when money from... Salaries/wages from government is receive Times of the year when money from... Salaries/wages from government is receive Times of the year when money from... Salaries/wages from government is receive Times of the year when money from... Salaries/wages from government is receive Times of the year when money from... Salaries/wages from government is receive -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Salaries/wages from government is received Times of the year when money from... Self-employed in own business is received Times of the year when money from... Self-employed in own business is received Times of the year when money from... Self-employed in own business is received Times of the year when money from... Self-employed in own business is received Times of the year when money from... Self-employed in own business is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from farming - sale of crops/livesto Times of the year when money from... Money from farming - sale of crops/livesto Times of the year when money from... Money from farming - sale of crops/livesto Times of the year when money from... Money from farming - sale of crops/livesto Times of the year when money from... Money from farming - sale of crops/livesto -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from farming - sale of crops/livestock/poultry or by-products such as milk, eggs, meat is received Times of the year when money from... Money from fishing/fish farming is receiv Times of the year when money from... Money from fishing/fish farming is receiv Times of the year when money from... Money from fishing/fish farming is receiv Times of the year when money from... Money from fishing/fish farming is receiv Times of the year when money from... Money from fishing/fish farming is receiv -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from fishing/fish farming is received Times of the year when money from... Rental income is received Times of the year when money from... Rental income is received Times of the year when money from... Rental income is received Times of the year when money from... Rental income is received Times of the year when money from... Rental income is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Private pension is received Times of the year when money from... Private pension is received Times of the year when money from... Private pension is received Times of the year when money from... Private pension is received Times of the year when money from... Private pension is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... State/Government pension is received Times of the year when money from... State/Government pension is received Times of the year when money from... State/Government pension is received Times of the year when money from... State/Government pension is received Times of the year when money from... State/Government pension is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Social welfare money/grant from Government Times of the year when money from... Social welfare money/grant from Government Times of the year when money from... Social welfare money/grant from Government Times of the year when money from... Social welfare money/grant from Government Times of the year when money from... Social welfare money/grant from Government -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Social welfare money/grant from Government is received Times of the year when money from... Maintenance money is received Times of the year when money from... Maintenance money is received Times of the year when money from... Maintenance money is received Times of the year when money from... Maintenance money is received Times of the year when money from... Maintenance money is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Interest from savings, investments, stocks Times of the year when money from... Interest from savings, investments, stocks Times of the year when money from... Interest from savings, investments, stocks Times of the year when money from... Interest from savings, investments, stocks Times of the year when money from... Interest from savings, investments, stocks -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Interest from savings, investments, stocks, unit trusts,etc. is received Times of the year when money from... Money from business investments in the cou Times of the year when money from... Money from business investments in the cou Times of the year when money from... Money from business investments in the cou Times of the year when money from... Money from business investments in the cou Times of the year when money from... Money from business investments in the cou -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from business investments in the country is received Times of the year when money from... Money from business investments outside th Times of the year when money from... Money from business investments outside th Times of the year when money from... Money from business investments outside th Times of the year when money from... Money from business investments outside th Times of the year when money from... Money from business investments outside th -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from business investments outside the country is received Times of the year when money from... Money from family in the country is recei Times of the year when money from... Money from family in the country is recei Times of the year when money from... Money from family in the country is recei Times of the year when money from... Money from family in the country is recei Times of the year when money from... Money from family in the country is recei -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from family in the country is received Times of the year when money from... Money from family outside the country is Times of the year when money from... Money from family outside the country is Times of the year when money from... Money from family outside the country is Times of the year when money from... Money from family outside the country is Times of the year when money from... Money from family outside the country is -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from family outside the country is received Times of the year when money from... Money from friend in the country is recei Times of the year when money from... Money from friend in the country is recei Times of the year when money from... Money from friend in the country is recei Times of the year when money from... Money from friend in the country is recei Times of the year when money from... Money from friend in the country is recei -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from friend in the country is received Times of the year when money from... Money from friend outside the country is Times of the year when money from... Money from friend outside the country is Times of the year when money from... Money from friend outside the country is Times of the year when money from... Money from friend outside the country is Times of the year when money from... Money from friend outside the country is -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Money from friend outside the country is received Times of the year when money from... Get money from household member is receiv Times of the year when money from... Get money from household member is receiv Times of the year when money from... Get money from household member is receiv Times of the year when money from... Get money from household member is receiv Times of the year when money from... Get money from household member is receiv -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Get money from household member is received Times of the year when money from... Household member pays all my expenses is Times of the year when money from... Household member pays all my expenses is Times of the year when money from... Household member pays all my expenses is Times of the year when money from... Household member pays all my expenses is Times of the year when money from... Household member pays all my expenses is -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Household member pays all my expenses is received Times of the year when money from... Borrow goods to sell for income and repayi Times of the year when money from... Borrow goods to sell for income and repayi Times of the year when money from... Borrow goods to sell for income and repayi Times of the year when money from... Borrow goods to sell for income and repayi Times of the year when money from... Borrow goods to sell for income and repayi -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Borrow goods to sell for income and repaying lender after selling (marketeering) is received Times of the year when money from... Exchanging goods and selling the exchanged Times of the year when money from... Exchanging goods and selling the exchanged Times of the year when money from... Exchanging goods and selling the exchanged Times of the year when money from... Exchanging goods and selling the exchanged Times of the year when money from... Exchanging goods and selling the exchanged -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Exchanging goods and selling the exchanged goods is received Times of the year when money from... Piece work is received Times of the year when money from... Piece work is received Times of the year when money from... Piece work is received Times of the year when money from... Piece work is received Times of the year when money from... Piece work is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Trading products collected from nature (su Times of the year when money from... Trading products collected from nature (su Times of the year when money from... Trading products collected from nature (su Times of the year when money from... Trading products collected from nature (su Times of the year when money from... Trading products collected from nature (su -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Trading products collected from nature (such as wood, thatch, charcoal, honey, muti etc.) is received Times of the year when money from... Provide financial services to your communi Times of the year when money from... Provide financial services to your communi Times of the year when money from... Provide financial services to your communi Times of the year when money from... Provide financial services to your communi Times of the year when money from... Provide financial services to your communi -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Provide financial services to your community for profit (money lender) is received Times of the year when money from... Other specify is received Times of the year when money from... Other specify is received Times of the year when money from... Other specify is received Times of the year when money from... Other specify is received Times of the year when money from... Other specify is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Times of the year when money from... Do not receive income is received Times of the year when money from... Do not receive income is received Times of the year when money from... Do not receive income is received Times of the year when money from... Do not receive income is received Times of the year when money from... Do not receive income is received -9 Missing Data 1 All months of the year 2 Only specific months (seasonally) 3 Occasionaly Ways of receiving ... Salaries / wages from a company / business Ways of receiving ... Salaries / wages from a company / business Ways of receiving ... Salaries / wages from a company / business Ways of receiving ... Salaries / wages from a company / business Ways of receiving ... Salaries / wages from a company / business -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Salaries / wages from a farm Ways of receiving ... Salaries / wages from a farm Ways of receiving ... Salaries / wages from a farm Ways of receiving ... Salaries / wages from a farm Ways of receiving ... Salaries / wages from a farm -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Salaries / wages from an individual (incl family) Ways of receiving ... Salaries / wages from an individual (incl family) Ways of receiving ... Salaries / wages from an individual (incl family) Ways of receiving ... Salaries / wages from an individual (incl family) Ways of receiving ... Salaries / wages from an individual (incl family) -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Salaries/wages from government Ways of receiving ... Salaries/wages from government Ways of receiving ... Salaries/wages from government Ways of receiving ... Salaries/wages from government Ways of receiving ... Salaries/wages from government -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Self-employed in own business Ways of receiving ... Self-employed in own business Ways of receiving ... Self-employed in own business Ways of receiving ... Self-employed in own business Ways of receiving ... Self-employed in own business -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Money from farming - sale of crops/livestock/poultry or Ways of receiving ... Money from farming - sale of crops/livestock/poultry or Ways of receiving ... Money from farming - sale of crops/livestock/poultry or Ways of receiving ... Money from farming - sale of crops/livestock/poultry or Ways of receiving ... Money from farming - sale of crops/livestock/poultry or -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Money from farming - sale of crops/livestock/poultry or by-products such as milk, eggs, meat Ways of receiving ... Money from fishing/fish farming Ways of receiving ... Money from fishing/fish farming Ways of receiving ... Money from fishing/fish farming Ways of receiving ... Money from fishing/fish farming Ways of receiving ... Money from fishing/fish farming -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Rental income Ways of receiving ... Rental income Ways of receiving ... Rental income Ways of receiving ... Rental income Ways of receiving ... Rental income -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Private pension Ways of receiving ... Private pension Ways of receiving ... Private pension Ways of receiving ... Private pension Ways of receiving ... Private pension -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... State/Government pension Ways of receiving ... State/Government pension Ways of receiving ... State/Government pension Ways of receiving ... State/Government pension Ways of receiving ... State/Government pension -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Social welfare money/grant from Government Ways of receiving ... Social welfare money/grant from Government Ways of receiving ... Social welfare money/grant from Government Ways of receiving ... Social welfare money/grant from Government Ways of receiving ... Social welfare money/grant from Government -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Maintenance money Ways of receiving ... Maintenance money Ways of receiving ... Maintenance money Ways of receiving ... Maintenance money Ways of receiving ... Maintenance money -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Interest from savings, investments, stocks, unit trusts,e Ways of receiving ... Interest from savings, investments, stocks, unit trusts,e Ways of receiving ... Interest from savings, investments, stocks, unit trusts,e Ways of receiving ... Interest from savings, investments, stocks, unit trusts,e Ways of receiving ... Interest from savings, investments, stocks, unit trusts,e -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Interest from savings, investments, stocks, unit trusts,etc. Ways of receiving ... Money from business investments in the country Ways of receiving ... Money from business investments in the country Ways of receiving ... Money from business investments in the country Ways of receiving ... Money from business investments in the country Ways of receiving ... Money from business investments in the country -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Money from business investments outside the country Ways of receiving ... Money from business investments outside the country Ways of receiving ... Money from business investments outside the country Ways of receiving ... Money from business investments outside the country Ways of receiving ... Money from business investments outside the country -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Money from family in the country Ways of receiving ... Money from family in the country Ways of receiving ... Money from family in the country Ways of receiving ... Money from family in the country Ways of receiving ... Money from family in the country -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Money from family outside the country Ways of receiving ... Money from family outside the country Ways of receiving ... Money from family outside the country Ways of receiving ... Money from family outside the country Ways of receiving ... Money from family outside the country -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Money from friend in the country Ways of receiving ... Money from friend in the country Ways of receiving ... Money from friend in the country Ways of receiving ... Money from friend in the country Ways of receiving ... Money from friend in the country -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Money from friend outside the country Ways of receiving ... Money from friend outside the country Ways of receiving ... Money from friend outside the country Ways of receiving ... Money from friend outside the country Ways of receiving ... Money from friend outside the country -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Get money from household member Ways of receiving ... Get money from household member Ways of receiving ... Get money from household member Ways of receiving ... Get money from household member Ways of receiving ... Get money from household member -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Household member pays all my expenses Ways of receiving ... Household member pays all my expenses Ways of receiving ... Household member pays all my expenses Ways of receiving ... Household member pays all my expenses Ways of receiving ... Household member pays all my expenses -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Borrow goods to sell for income and repaying lender after Ways of receiving ... Borrow goods to sell for income and repaying lender after Ways of receiving ... Borrow goods to sell for income and repaying lender after Ways of receiving ... Borrow goods to sell for income and repaying lender after Ways of receiving ... Borrow goods to sell for income and repaying lender after -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Borrow goods to sell for income and repaying lender after selling (marketeering) Ways of receiving ... Exchanging goods and selling the exchanged goods Ways of receiving ... Exchanging goods and selling the exchanged goods Ways of receiving ... Exchanging goods and selling the exchanged goods Ways of receiving ... Exchanging goods and selling the exchanged goods Ways of receiving ... Exchanging goods and selling the exchanged goods -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Piece work Ways of receiving ... Piece work Ways of receiving ... Piece work Ways of receiving ... Piece work Ways of receiving ... Piece work -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Trading products collected from nature (such as wood, tha Ways of receiving ... Trading products collected from nature (such as wood, tha Ways of receiving ... Trading products collected from nature (such as wood, tha Ways of receiving ... Trading products collected from nature (such as wood, tha Ways of receiving ... Trading products collected from nature (such as wood, tha -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Trading products collected from nature (such as wood, thatch, charcoal, honey, muti etc.) Ways of receiving ... Provide financial services to your community for profit ( Ways of receiving ... Provide financial services to your community for profit ( Ways of receiving ... Provide financial services to your community for profit ( Ways of receiving ... Provide financial services to your community for profit ( Ways of receiving ... Provide financial services to your community for profit ( -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Provide financial services to your community for profit (money lender) Ways of receiving ... Other specify Ways of receiving ... Other specify Ways of receiving ... Other specify Ways of receiving ... Other specify Ways of receiving ... Other specify -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Ways of receiving ... Do not receive income Ways of receiving ... Do not receive income Ways of receiving ... Do not receive income Ways of receiving ... Do not receive income Ways of receiving ... Do not receive income -9 Missing Data 1 Cash in person 2 Cash - 3rd party 3 Swift transfer 4 Western Union 5 Into bank account 6 Other Frequency of receiving... Salaries / wages from a company / business Frequency of receiving... Salaries / wages from a company / business Frequency of receiving... Salaries / wages from a company / business Frequency of receiving... Salaries / wages from a company / business Frequency of receiving... Salaries / wages from a company / business -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Salaries / wages from a farm Frequency of receiving... Salaries / wages from a farm Frequency of receiving... Salaries / wages from a farm Frequency of receiving... Salaries / wages from a farm Frequency of receiving... Salaries / wages from a farm -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Salaries / wages from an individual (incl family) Frequency of receiving... Salaries / wages from an individual (incl family) Frequency of receiving... Salaries / wages from an individual (incl family) Frequency of receiving... Salaries / wages from an individual (incl family) Frequency of receiving... Salaries / wages from an individual (incl family) -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Salaries/wages from government Frequency of receiving... Salaries/wages from government Frequency of receiving... Salaries/wages from government Frequency of receiving... Salaries/wages from government Frequency of receiving... Salaries/wages from government -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Self-employed in own business Frequency of receiving... Self-employed in own business Frequency of receiving... Self-employed in own business Frequency of receiving... Self-employed in own business Frequency of receiving... Self-employed in own business -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Money from farming - sale of crops/livestock/poultry Frequency of receiving... Money from farming - sale of crops/livestock/poultry Frequency of receiving... Money from farming - sale of crops/livestock/poultry Frequency of receiving... Money from farming - sale of crops/livestock/poultry Frequency of receiving... Money from farming - sale of crops/livestock/poultry -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Money from farming - sale of crops/livestock/poultry or by-products such as milk, eggs, meat Frequency of receiving... Money from fishing/fish farming Frequency of receiving... Money from fishing/fish farming Frequency of receiving... Money from fishing/fish farming Frequency of receiving... Money from fishing/fish farming Frequency of receiving... Money from fishing/fish farming -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Rental income Frequency of receiving... Rental income Frequency of receiving... Rental income Frequency of receiving... Rental income Frequency of receiving... Rental income -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Private pension Frequency of receiving... Private pension Frequency of receiving... Private pension Frequency of receiving... Private pension Frequency of receiving... Private pension -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... State/Government pension Frequency of receiving... State/Government pension Frequency of receiving... State/Government pension Frequency of receiving... State/Government pension Frequency of receiving... State/Government pension -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Social welfare money/grant from Government Frequency of receiving... Social welfare money/grant from Government Frequency of receiving... Social welfare money/grant from Government Frequency of receiving... Social welfare money/grant from Government Frequency of receiving... Social welfare money/grant from Government -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Maintenance money Frequency of receiving... Maintenance money Frequency of receiving... Maintenance money Frequency of receiving... Maintenance money Frequency of receiving... Maintenance money -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Interest from savings, investments, stocks, unit trus Frequency of receiving... Interest from savings, investments, stocks, unit trus Frequency of receiving... Interest from savings, investments, stocks, unit trus Frequency of receiving... Interest from savings, investments, stocks, unit trus Frequency of receiving... Interest from savings, investments, stocks, unit trus -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Interest from savings, investments, stocks, unit trusts,etc. Frequency of receiving... Money from business investments in the country Frequency of receiving... Money from business investments in the country Frequency of receiving... Money from business investments in the country Frequency of receiving... Money from business investments in the country Frequency of receiving... Money from business investments in the country -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Money from business investments outside the country Frequency of receiving... Money from business investments outside the country Frequency of receiving... Money from business investments outside the country Frequency of receiving... Money from business investments outside the country Frequency of receiving... Money from business investments outside the country -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Money from family in the country Frequency of receiving... Money from family in the country Frequency of receiving... Money from family in the country Frequency of receiving... Money from family in the country Frequency of receiving... Money from family in the country -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Money from family outside the country Frequency of receiving... Money from family outside the country Frequency of receiving... Money from family outside the country Frequency of receiving... Money from family outside the country Frequency of receiving... Money from family outside the country -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Money from friend in the country Frequency of receiving... Money from friend in the country Frequency of receiving... Money from friend in the country Frequency of receiving... Money from friend in the country Frequency of receiving... Money from friend in the country -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Money from friend outside the country Frequency of receiving... Money from friend outside the country Frequency of receiving... Money from friend outside the country Frequency of receiving... Money from friend outside the country Frequency of receiving... Money from friend outside the country -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Get money from household member Frequency of receiving... Get money from household member Frequency of receiving... Get money from household member Frequency of receiving... Get money from household member Frequency of receiving... Get money from household member -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Household member pays all my expenses Frequency of receiving... Household member pays all my expenses Frequency of receiving... Household member pays all my expenses Frequency of receiving... Household member pays all my expenses Frequency of receiving... Household member pays all my expenses -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Borrow goods to sell for income and repaying lender a Frequency of receiving... Borrow goods to sell for income and repaying lender a Frequency of receiving... Borrow goods to sell for income and repaying lender a Frequency of receiving... Borrow goods to sell for income and repaying lender a Frequency of receiving... Borrow goods to sell for income and repaying lender a -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Borrow goods to sell for income and repaying lender after selling (marketeering) Frequency of receiving... Exchanging goods and selling the exchanged goods Frequency of receiving... Exchanging goods and selling the exchanged goods Frequency of receiving... Exchanging goods and selling the exchanged goods Frequency of receiving... Exchanging goods and selling the exchanged goods Frequency of receiving... Exchanging goods and selling the exchanged goods -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Piece work Frequency of receiving... Piece work Frequency of receiving... Piece work Frequency of receiving... Piece work Frequency of receiving... Piece work -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Trading products collected from nature (such as wood, Frequency of receiving... Trading products collected from nature (such as wood, Frequency of receiving... Trading products collected from nature (such as wood, Frequency of receiving... Trading products collected from nature (such as wood, Frequency of receiving... Trading products collected from nature (such as wood, -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Trading products collected from nature (such as wood, thatch, charcoal, honey, muti etc.) Frequency of receiving... Provide financial services to your community for prof Frequency of receiving... Provide financial services to your community for prof Frequency of receiving... Provide financial services to your community for prof Frequency of receiving... Provide financial services to your community for prof Frequency of receiving... Provide financial services to your community for prof -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Provide financial services to your community for profit (money lender) Frequency of receiving... Other specify Frequency of receiving... Other specify Frequency of receiving... Other specify Frequency of receiving... Other specify Frequency of receiving... Other specify -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly Frequency of receiving... Do not receive income Frequency of receiving... Do not receive income Frequency of receiving... Do not receive income Frequency of receiving... Do not receive income Frequency of receiving... Do not receive income -9 Missing Data 1 Daily 2 Weekly 3 Twice amonth 4 Monthly 5 More than monthly S3Q9A.1: Events S3Q9A.1: Events S3Q9A.1: Events S3Q9A.1: Events S3Q9A.1: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.2: Events S3Q9A.2: Events S3Q9A.2: Events S3Q9A.2: Events S3Q9A.2: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.3: Events S3Q9A.3: Events S3Q9A.3: Events S3Q9A.3: Events S3Q9A.3: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.4: Events S3Q9A.4: Events S3Q9A.4: Events S3Q9A.4: Events S3Q9A.4: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.5: Events S3Q9A.5: Events S3Q9A.5: Events S3Q9A.5: Events S3Q9A.5: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.6: Events S3Q9A.6: Events S3Q9A.6: Events S3Q9A.6: Events S3Q9A.6: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.7: Events S3Q9A.7: Events S3Q9A.7: Events S3Q9A.7: Events S3Q9A.7: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.8: Events S3Q9A.8: Events S3Q9A.8: Events S3Q9A.8: Events S3Q9A.8: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.9: Events S3Q9A.9: Events S3Q9A.9: Events S3Q9A.9: Events S3Q9A.9: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.10: Events S3Q9A.10: Events S3Q9A.10: Events S3Q9A.10: Events S3Q9A.10: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.11: Events S3Q9A.11: Events S3Q9A.11: Events S3Q9A.11: Events S3Q9A.11: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.12: Events S3Q9A.12: Events S3Q9A.12: Events S3Q9A.12: Events S3Q9A.12: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.13: Events S3Q9A.13: Events S3Q9A.13: Events S3Q9A.13: Events S3Q9A.13: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.14: Events S3Q9A.14: Events S3Q9A.14: Events S3Q9A.14: Events S3Q9A.14: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.15: Events S3Q9A.15: Events S3Q9A.15: Events S3Q9A.15: Events S3Q9A.15: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.16: Events S3Q9A.16: Events S3Q9A.16: Events S3Q9A.16: Events S3Q9A.16: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.17: Events S3Q9A.17: Events S3Q9A.17: Events S3Q9A.17: Events S3Q9A.17: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.18: Events S3Q9A.18: Events S3Q9A.18: Events S3Q9A.18: Events S3Q9A.18: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.19: Events S3Q9A.19: Events S3Q9A.19: Events S3Q9A.19: Events S3Q9A.19: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.20: Events S3Q9A.20: Events S3Q9A.20: Events S3Q9A.20: Events S3Q9A.20: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.21: Events S3Q9A.21: Events S3Q9A.21: Events S3Q9A.21: Events S3Q9A.21: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.22: Events S3Q9A.22: Events S3Q9A.22: Events S3Q9A.22: Events S3Q9A.22: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.23: Events S3Q9A.23: Events S3Q9A.23: Events S3Q9A.23: Events S3Q9A.23: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.24: Events S3Q9A.24: Events S3Q9A.24: Events S3Q9A.24: Events S3Q9A.24: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.25: Events S3Q9A.25: Events S3Q9A.25: Events S3Q9A.25: Events S3Q9A.25: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.26: Events S3Q9A.26: Events S3Q9A.26: Events S3Q9A.26: Events S3Q9A.26: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.27: Events S3Q9A.27: Events S3Q9A.27: Events S3Q9A.27: Events S3Q9A.27: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing S3Q9A.28: Events S3Q9A.28: Events S3Q9A.28: Events S3Q9A.28: Events S3Q9A.28: Events -9 Missing Data 1 Increase in household size (more dependents relying on household income) 2 Death of or loss of income from main income earner 3 Death of other family member not main income earner 4 Illness within your household or family that requires medical expenses 5 Separation or divorce 6 Disability - self or household member 7 Having to pay unforeseen school/education fees 8 Loss of job - self or household member 9 Fire or destruction of household property 10 Loss of your home 11 Loss of your savings 12 Drought, poor rainfall or loss of access to water for farming 13 Flooding 14 Harvest failure or losses of crop harvest 15 Death or illness of livestock 16 Loss of your land or access to land you use 17 Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay 18 Competition - everyone is selling - difficult to sell own goods/products 19 FRA not able to buy all maize 20 Lack/shortage of subsidised fertiliser 21 Loss/failure of your business 22 Rise in transport costs 23 Rise in electricity/water prices 24 Rent increases 25 Rise in prices of goods such as groceries etc. 26 Rise in interest rates 27 Other specify 28 Can't think of any/nothing Has any of these happened......? Increase in household size (more dependents rel Has any of these happened......? Increase in household size (more dependents rel Has any of these happened......? Increase in household size (more dependents rel Has any of these happened......? Increase in household size (more dependents rel Has any of these happened......? Increase in household size (more dependents rel -9 Missing Data 1 Yes 2 No Has any of these happened......? Increase in household size (more dependents relying on household income) Has any of these happened......? Death of or loss of income from main income ear Has any of these happened......? Death of or loss of income from main income ear Has any of these happened......? Death of or loss of income from main income ear Has any of these happened......? Death of or loss of income from main income ear Has any of these happened......? Death of or loss of income from main income ear -9 Missing Data 1 Yes 2 No Has any of these happened......? Death of or loss of income from main income earner Has any of these happened......? Death of other family member not main income ea Has any of these happened......? Death of other family member not main income ea Has any of these happened......? Death of other family member not main income ea Has any of these happened......? Death of other family member not main income ea Has any of these happened......? Death of other family member not main income ea -9 Missing Data 1 Yes 2 No Has any of these happened......? Death of other family member not main income earner Has any of these happened......? Illness within your household or family that re Has any of these happened......? Illness within your household or family that re Has any of these happened......? Illness within your household or family that re Has any of these happened......? Illness within your household or family that re Has any of these happened......? Illness within your household or family that re -9 Missing Data 1 Yes 2 No Has any of these happened......? Illness within your household or family that requires medical expenses Has any of these happened......? Separation or divorce Has any of these happened......? Separation or divorce Has any of these happened......? Separation or divorce Has any of these happened......? Separation or divorce Has any of these happened......? Separation or divorce -9 Missing Data 1 Yes 2 No Has any of these happened......? Disability - self or household member Has any of these happened......? Disability - self or household member Has any of these happened......? Disability - self or household member Has any of these happened......? Disability - self or household member Has any of these happened......? Disability - self or household member -9 Missing Data 1 Yes 2 No Has any of these happened......? Having to pay unforeseen school/education fees Has any of these happened......? Having to pay unforeseen school/education fees Has any of these happened......? Having to pay unforeseen school/education fees Has any of these happened......? Having to pay unforeseen school/education fees Has any of these happened......? Having to pay unforeseen school/education fees -9 Missing Data 1 Yes 2 No Has any of these happened......? Loss of job - self or household member Has any of these happened......? Loss of job - self or household member Has any of these happened......? Loss of job - self or household member Has any of these happened......? Loss of job - self or household member Has any of these happened......? Loss of job - self or household member -9 Missing Data 1 Yes 2 No Has any of these happened......? Fire or destruction of household property Has any of these happened......? Fire or destruction of household property Has any of these happened......? Fire or destruction of household property Has any of these happened......? Fire or destruction of household property Has any of these happened......? Fire or destruction of household property -9 Missing Data 1 Yes 2 No Has any of these happened......? Loss of your home Has any of these happened......? Loss of your home Has any of these happened......? Loss of your home Has any of these happened......? Loss of your home Has any of these happened......? Loss of your home -9 Missing Data 1 Yes 2 No Has any of these happened......? Loss of your savings Has any of these happened......? Loss of your savings Has any of these happened......? Loss of your savings Has any of these happened......? Loss of your savings Has any of these happened......? Loss of your savings -9 Missing Data 1 Yes 2 No Has any of these happened......? Drought, poor rainfall or loss of access to wat Has any of these happened......? Drought, poor rainfall or loss of access to wat Has any of these happened......? Drought, poor rainfall or loss of access to wat Has any of these happened......? Drought, poor rainfall or loss of access to wat Has any of these happened......? Drought, poor rainfall or loss of access to wat -9 Missing Data 1 Yes 2 No Has any of these happened......? Drought, poor rainfall or loss of access to water for farming Has any of these happened......? Flooding Has any of these happened......? Flooding Has any of these happened......? Flooding Has any of these happened......? Flooding Has any of these happened......? Flooding -9 Missing Data 1 Yes 2 No Has any of these happened......? Harvest failure or losses of crop harvest Has any of these happened......? Harvest failure or losses of crop harvest Has any of these happened......? Harvest failure or losses of crop harvest Has any of these happened......? Harvest failure or losses of crop harvest Has any of these happened......? Harvest failure or losses of crop harvest -9 Missing Data 1 Yes 2 No Has any of these happened......? Death or illness of livestock Has any of these happened......? Death or illness of livestock Has any of these happened......? Death or illness of livestock Has any of these happened......? Death or illness of livestock Has any of these happened......? Death or illness of livestock -9 Missing Data 1 Yes 2 No Has any of these happened......? Loss of your land or access to land you use Has any of these happened......? Loss of your land or access to land you use Has any of these happened......? Loss of your land or access to land you use Has any of these happened......? Loss of your land or access to land you use Has any of these happened......? Loss of your land or access to land you use -9 Missing Data 1 Yes 2 No Has any of these happened......? Low selling prices - e.g. maize, tobacco floor Has any of these happened......? Low selling prices - e.g. maize, tobacco floor Has any of these happened......? Low selling prices - e.g. maize, tobacco floor Has any of these happened......? Low selling prices - e.g. maize, tobacco floor Has any of these happened......? Low selling prices - e.g. maize, tobacco floor -9 Missing Data 1 Yes 2 No Has any of these happened......? Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay Has any of these happened......? Competition - everyone is selling - difficult t Has any of these happened......? Competition - everyone is selling - difficult t Has any of these happened......? Competition - everyone is selling - difficult t Has any of these happened......? Competition - everyone is selling - difficult t Has any of these happened......? Competition - everyone is selling - difficult t -9 Missing Data 1 Yes 2 No Has any of these happened......? Competition - everyone is selling - difficult to sell own goods/products Has any of these happened......? FRA not able to buy all maize Has any of these happened......? FRA not able to buy all maize Has any of these happened......? FRA not able to buy all maize Has any of these happened......? FRA not able to buy all maize Has any of these happened......? FRA not able to buy all maize -9 Missing Data 1 Yes 2 No Has any of these happened......? Lack/shortage of subsidised fertiliser Has any of these happened......? Lack/shortage of subsidised fertiliser Has any of these happened......? Lack/shortage of subsidised fertiliser Has any of these happened......? Lack/shortage of subsidised fertiliser Has any of these happened......? Lack/shortage of subsidised fertiliser -9 Missing Data 1 Yes 2 No Has any of these happened......? Loss/failure of your business Has any of these happened......? Loss/failure of your business Has any of these happened......? Loss/failure of your business Has any of these happened......? Loss/failure of your business Has any of these happened......? Loss/failure of your business -9 Missing Data 1 Yes 2 No Has any of these happened......? Rise in transport costs Has any of these happened......? Rise in transport costs Has any of these happened......? Rise in transport costs Has any of these happened......? Rise in transport costs Has any of these happened......? Rise in transport costs -9 Missing Data 1 Yes 2 No Has any of these happened......? Rise in electricity/water prices Has any of these happened......? Rise in electricity/water prices Has any of these happened......? Rise in electricity/water prices Has any of these happened......? Rise in electricity/water prices Has any of these happened......? Rise in electricity/water prices -9 Missing Data 1 Yes 2 No Has any of these happened......? Rent increases Has any of these happened......? Rent increases Has any of these happened......? Rent increases Has any of these happened......? Rent increases Has any of these happened......? Rent increases -9 Missing Data 1 Yes 2 No Has any of these happened......? Rise in prices of goods such as groceries etc. Has any of these happened......? Rise in prices of goods such as groceries etc. Has any of these happened......? Rise in prices of goods such as groceries etc. Has any of these happened......? Rise in prices of goods such as groceries etc. Has any of these happened......? Rise in prices of goods such as groceries etc. -9 Missing Data 1 Yes 2 No Has any of these happened......? Rise in interest rates Has any of these happened......? Rise in interest rates Has any of these happened......? Rise in interest rates Has any of these happened......? Rise in interest rates Has any of these happened......? Rise in interest rates -9 Missing Data 1 Yes 2 No Has any of these happened......? Other specify Has any of these happened......? Other specify Has any of these happened......? Other specify Has any of these happened......? Other specify Has any of these happened......? Other specify -9 Missing Data 1 Yes 2 No Has any of these happened......? Cant think of any/nothing Has any of these happened......? Cant think of any/nothing Has any of these happened......? Cant think of any/nothing Has any of these happened......? Cant think of any/nothing Has any of these happened......? Cant think of any/nothing -9 Missing Data 1 Yes 2 No What do you do.....(Turn to) when this happens... Increase in household size (mo What do you do.....(Turn to) when this happens... Increase in household size (mo What do you do.....(Turn to) when this happens... Increase in household size (mo What do you do.....(Turn to) when this happens... Increase in household size (mo What do you do.....(Turn to) when this happens... Increase in household size (mo -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Increase in household size (more dependents relying on household income) What do you do.....(Turn to) when this happens... Death of or loss of income fro What do you do.....(Turn to) when this happens... Death of or loss of income fro What do you do.....(Turn to) when this happens... Death of or loss of income fro What do you do.....(Turn to) when this happens... Death of or loss of income fro What do you do.....(Turn to) when this happens... Death of or loss of income fro -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Death of or loss of income from main income earner What do you do.....(Turn to) when this happens... Death of other family member n What do you do.....(Turn to) when this happens... Death of other family member n What do you do.....(Turn to) when this happens... Death of other family member n What do you do.....(Turn to) when this happens... Death of other family member n What do you do.....(Turn to) when this happens... Death of other family member n -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Death of other family member not main income earner What do you do.....(Turn to) when this happens... Illness within your household What do you do.....(Turn to) when this happens... Illness within your household What do you do.....(Turn to) when this happens... Illness within your household What do you do.....(Turn to) when this happens... Illness within your household What do you do.....(Turn to) when this happens... Illness within your household -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Illness within your household or family that requires medical expenses What do you do.....(Turn to) when this happens... Separation or divorce What do you do.....(Turn to) when this happens... Separation or divorce What do you do.....(Turn to) when this happens... Separation or divorce What do you do.....(Turn to) when this happens... Separation or divorce What do you do.....(Turn to) when this happens... Separation or divorce -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Disability - self or household What do you do.....(Turn to) when this happens... Disability - self or household What do you do.....(Turn to) when this happens... Disability - self or household What do you do.....(Turn to) when this happens... Disability - self or household What do you do.....(Turn to) when this happens... Disability - self or household -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Disability - self or household member What do you do.....(Turn to) when this happens... Having to pay unforeseen schoo What do you do.....(Turn to) when this happens... Having to pay unforeseen schoo What do you do.....(Turn to) when this happens... Having to pay unforeseen schoo What do you do.....(Turn to) when this happens... Having to pay unforeseen schoo What do you do.....(Turn to) when this happens... Having to pay unforeseen schoo -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Having to pay unforeseen school/education fees What do you do.....(Turn to) when this happens... Loss of job - self or househol What do you do.....(Turn to) when this happens... Loss of job - self or househol What do you do.....(Turn to) when this happens... Loss of job - self or househol What do you do.....(Turn to) when this happens... Loss of job - self or househol What do you do.....(Turn to) when this happens... Loss of job - self or househol -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Loss of job - self or household member What do you do.....(Turn to) when this happens... Fire or destruction of househo What do you do.....(Turn to) when this happens... Fire or destruction of househo What do you do.....(Turn to) when this happens... Fire or destruction of househo What do you do.....(Turn to) when this happens... Fire or destruction of househo What do you do.....(Turn to) when this happens... Fire or destruction of househo -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Fire or destruction of household property What do you do.....(Turn to) when this happens... Loss of your home What do you do.....(Turn to) when this happens... Loss of your home What do you do.....(Turn to) when this happens... Loss of your home What do you do.....(Turn to) when this happens... Loss of your home What do you do.....(Turn to) when this happens... Loss of your home -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Loss of your savings What do you do.....(Turn to) when this happens... Loss of your savings What do you do.....(Turn to) when this happens... Loss of your savings What do you do.....(Turn to) when this happens... Loss of your savings What do you do.....(Turn to) when this happens... Loss of your savings -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Drought, poor rainfall or loss What do you do.....(Turn to) when this happens... Drought, poor rainfall or loss What do you do.....(Turn to) when this happens... Drought, poor rainfall or loss What do you do.....(Turn to) when this happens... Drought, poor rainfall or loss What do you do.....(Turn to) when this happens... Drought, poor rainfall or loss -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Drought, poor rainfall or loss of access to water for farming What do you do.....(Turn to) when this happens... Flooding What do you do.....(Turn to) when this happens... Flooding What do you do.....(Turn to) when this happens... Flooding What do you do.....(Turn to) when this happens... Flooding What do you do.....(Turn to) when this happens... Flooding -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Harvest failure or losses of c What do you do.....(Turn to) when this happens... Harvest failure or losses of c What do you do.....(Turn to) when this happens... Harvest failure or losses of c What do you do.....(Turn to) when this happens... Harvest failure or losses of c What do you do.....(Turn to) when this happens... Harvest failure or losses of c -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Harvest failure or losses of crop harvest What do you do.....(Turn to) when this happens... Death or illness of livestock What do you do.....(Turn to) when this happens... Death or illness of livestock What do you do.....(Turn to) when this happens... Death or illness of livestock What do you do.....(Turn to) when this happens... Death or illness of livestock What do you do.....(Turn to) when this happens... Death or illness of livestock -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Loss of your land or access to What do you do.....(Turn to) when this happens... Loss of your land or access to What do you do.....(Turn to) when this happens... Loss of your land or access to What do you do.....(Turn to) when this happens... Loss of your land or access to What do you do.....(Turn to) when this happens... Loss of your land or access to -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Loss of your land or access to land you use What do you do.....(Turn to) when this happens... Low selling prices - e.g. maiz What do you do.....(Turn to) when this happens... Low selling prices - e.g. maiz What do you do.....(Turn to) when this happens... Low selling prices - e.g. maiz What do you do.....(Turn to) when this happens... Low selling prices - e.g. maiz What do you do.....(Turn to) when this happens... Low selling prices - e.g. maiz -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Low selling prices - e.g. maize, tobacco floor prices or prices buyers are prepared to pay What do you do.....(Turn to) when this happens... Competition - everyone is sell What do you do.....(Turn to) when this happens... Competition - everyone is sell What do you do.....(Turn to) when this happens... Competition - everyone is sell What do you do.....(Turn to) when this happens... Competition - everyone is sell What do you do.....(Turn to) when this happens... Competition - everyone is sell -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Competition - everyone is selling - difficult to sell own goods/products What do you do.....(Turn to) when this happens... FRA not able to buy all maize What do you do.....(Turn to) when this happens... FRA not able to buy all maize What do you do.....(Turn to) when this happens... FRA not able to buy all maize What do you do.....(Turn to) when this happens... FRA not able to buy all maize What do you do.....(Turn to) when this happens... FRA not able to buy all maize -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Lack/shortage of subsidised fe What do you do.....(Turn to) when this happens... Lack/shortage of subsidised fe What do you do.....(Turn to) when this happens... Lack/shortage of subsidised fe What do you do.....(Turn to) when this happens... Lack/shortage of subsidised fe What do you do.....(Turn to) when this happens... Lack/shortage of subsidised fe -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Lack/shortage of subsidised fertiliser What do you do.....(Turn to) when this happens... Loss/failure of your business What do you do.....(Turn to) when this happens... Loss/failure of your business What do you do.....(Turn to) when this happens... Loss/failure of your business What do you do.....(Turn to) when this happens... Loss/failure of your business What do you do.....(Turn to) when this happens... Loss/failure of your business -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Rise in transport costs What do you do.....(Turn to) when this happens... Rise in transport costs What do you do.....(Turn to) when this happens... Rise in transport costs What do you do.....(Turn to) when this happens... Rise in transport costs What do you do.....(Turn to) when this happens... Rise in transport costs -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Rise in electricity/water pric What do you do.....(Turn to) when this happens... Rise in electricity/water pric What do you do.....(Turn to) when this happens... Rise in electricity/water pric What do you do.....(Turn to) when this happens... Rise in electricity/water pric What do you do.....(Turn to) when this happens... Rise in electricity/water pric -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Rise in electricity/water prices What do you do.....(Turn to) when this happens... Rent increases What do you do.....(Turn to) when this happens... Rent increases What do you do.....(Turn to) when this happens... Rent increases What do you do.....(Turn to) when this happens... Rent increases What do you do.....(Turn to) when this happens... Rent increases -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Rise in prices of goods such a What do you do.....(Turn to) when this happens... Rise in prices of goods such a What do you do.....(Turn to) when this happens... Rise in prices of goods such a What do you do.....(Turn to) when this happens... Rise in prices of goods such a What do you do.....(Turn to) when this happens... Rise in prices of goods such a -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Rise in prices of goods such as groceries etc. What do you do.....(Turn to) when this happens... Rise in interest rates What do you do.....(Turn to) when this happens... Rise in interest rates What do you do.....(Turn to) when this happens... Rise in interest rates What do you do.....(Turn to) when this happens... Rise in interest rates What do you do.....(Turn to) when this happens... Rise in interest rates -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Other specify What do you do.....(Turn to) when this happens... Other specify What do you do.....(Turn to) when this happens... Other specify What do you do.....(Turn to) when this happens... Other specify What do you do.....(Turn to) when this happens... Other specify -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know What do you do.....(Turn to) when this happens... Cant think of any/nothing What do you do.....(Turn to) when this happens... Cant think of any/nothing What do you do.....(Turn to) when this happens... Cant think of any/nothing What do you do.....(Turn to) when this happens... Cant think of any/nothing What do you do.....(Turn to) when this happens... Cant think of any/nothing -9 Missing Data 1 Family and friends for help 2 Insurance 3 Community to help 4 Borrow-Family/friends 5 Savings clubs 6 Employer 7 Money lender 8 Bank 9 Other fin institution 10 Apply for government help 11 Go to councillor 12 Use savings 13 Sell something 14 Cut on other cost 15 Nothing 16 Others 17 Don't know How do you usually get to your nearest store? How do you usually get to your nearest store? How do you usually get to your nearest store? How do you usually get to your nearest store? How do you usually get to your nearest store? -9 Missing Data 1 Walk 2 Own vehicle 3 Someone else's vehicle 4 Taxi 5 Local Minibus 6 Public bus / lift 7 Bicycle 8 Boat / Canoe 9 Cattle / cart 10 Other 11 Don't know How do you usually get to your nearest market? How do you usually get to your nearest market? How do you usually get to your nearest market? How do you usually get to your nearest market? How do you usually get to your nearest market? -9 Missing Data 1 Walk 2 Own vehicle 3 Someone else's vehicle 4 Taxi 5 Local Minibus 6 Public bus / lift 7 Bicycle 8 Boat / Canoe 9 Cattle / cart 10 Other 11 Don't know How do you usually get to your nearest office? How do you usually get to your nearest office? How do you usually get to your nearest office? How do you usually get to your nearest office? How do you usually get to your nearest office? -9 Missing Data 1 Walk 2 Own vehicle 3 Someone else's vehicle 4 Taxi 5 Local Minibus 6 Public bus / lift 7 Bicycle 8 Boat / Canoe 9 Cattle / cart 10 Other 11 Don't know How long does..... to get to your nearest stores? How long does..... to get to your nearest stores? How long does..... to get to your nearest stores? How long does..... to get to your nearest stores? How long does..... to get to your nearest stores? -9 Missing Data 1 Under 10 minutes 2 About 10 minutes 3 Between 10 and 20 minutes 4 About 20 minutes 5 Between 20 and 30 minutes 6 About 30 minutes 7 Between 30 minutes and 60 minutes 8 About an hour 9 More than an hour 10 Up to a day 11 More than a day 12 Don't know How long does..... to get to your nearest market? How long does..... to get to your nearest market? How long does..... to get to your nearest market? How long does..... to get to your nearest market? How long does..... to get to your nearest market? -9 Missing Data 1 Under 10 minutes 2 About 10 minutes 3 Between 10 and 20 minutes 4 About 20 minutes 5 Between 20 and 30 minutes 6 About 30 minutes 7 Between 30 minutes and 60 minutes 8 About an hour 9 More than an hour 10 Up to a day 11 More than a day 12 Don't know How long does..... to get to your nearest office? How long does..... to get to your nearest office? How long does..... to get to your nearest office? How long does..... to get to your nearest office? How long does..... to get to your nearest office? -9 Missing Data 1 Under 10 minutes 2 About 10 minutes 3 Between 10 and 20 minutes 4 About 20 minutes 5 Between 20 and 30 minutes 6 About 30 minutes 7 Between 30 minutes and 60 minutes 8 About an hour 9 More than an hour 10 Up to a day 11 More than a day 12 Don't know Which of these types of institutions.....closest...? Which of these types of institutions.....closest...? Which of these types of institutions.....closest...? Which of these types of institutions.....closest...? Which of these types of institutions.....closest...? -9 Missing Data 1 Bank 2 Micro finance institution 3 building society 4 Insuarance company 5 Does not know How would you get to the nearest....institution? How would you get to the nearest....institution? How would you get to the nearest....institution? How would you get to the nearest....institution? How would you get to the nearest....institution? -9 Missing Data 1 Walk 2 Own vehicle 3 Someone else's vehicle 4 Taxi 5 Local Minibus 6 Public bus / lift 7 Bicycle 8 Boat / Canoe 9 Cattle / cart 10 Other 11 Don't know How long would it take you to get there? How long would it take you to get there? How long would it take you to get there? How long would it take you to get there? How long would it take you to get there? -9 Missing Data 1 Under 10 minutes 2 About 10 minutes 3 Between 10 and 20 minutes 4 About 20 minutes 5 Between 20 and 30 minutes 6 About 30 minutes 7 Between 30 minutes and 60 minutes 8 About an hour 9 More than an hour 10 Up to a day 11 More than a day 12 Don't know If you should use public transport....cost you? If you should use public transport....cost you? If you should use public transport....cost you? If you should use public transport....cost you? If you should use public transport....cost you? -9 Missing Data 1 Up to K5000 2 K5001 to K10000 3 K10 001 to K11 000 4 K11 001 to K25 000 5 K25 001 to K50 000 6 K50 001 to K100 000 7 Over K100 000 8 Don't know 9 NA (Too Near) S4Q2CA.1: Why do you not use public transport? S4Q2CA.1: Why do you not use public transport? S4Q2CA.1: Why do you not use public transport? S4Q2CA.1: Why do you not use public transport? S4Q2CA.1: Why do you not use public transport? -9 Missing Data 1 It is close enough to walk - don't need to use transport 2 It is too expensive 3 It is not available 4 It does not come on time 5 It does not come regularly 6 It is not safe 7 Other specify 8 Don't know S4Q2CA.2: Why do you not use public transport? S4Q2CA.2: Why do you not use public transport? S4Q2CA.2: Why do you not use public transport? S4Q2CA.2: Why do you not use public transport? S4Q2CA.2: Why do you not use public transport? -9 Missing Data 1 It is close enough to walk - don't need to use transport 2 It is too expensive 3 It is not available 4 It does not come on time 5 It does not come regularly 6 It is not safe 7 Other specify 8 Don't know Please tell me the name of bank you know or aware of? Please tell me the name of bank you know or aware of? Please tell me the name of bank you know or aware of? Please tell me the name of bank you know or aware of? Please tell me the name of bank you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify 22 Don't know of any Which factor.... institution that you think would be the bes Which factor.... institution that you think would be the bes Which factor.... institution that you think would be the bes Which factor.... institution that you think would be the bes Which factor.... institution that you think would be the bes -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other What is the word used to describe.....increase in price? What is the word used to describe.....increase in price? What is the word used to describe.....increase in price? What is the word used to describe.....increase in price? What is the word used to describe.....increase in price? -9 Missing Data 1 inflation 2 Cost of living 3 Interest 4 Consumer Price index/CPI 5 Tax 6 Other 7 Do not know You check your salary slips e.g to ensure that payment.....a You check your salary slips e.g to ensure that payment.....a You check your salary slips e.g to ensure that payment.....a You check your salary slips e.g to ensure that payment.....a You check your salary slips e.g to ensure that payment.....a -9 Missing Data 1 Yes 2 No 3 Not applicable You keep track of your expenses every month You keep track of your expenses every month You keep track of your expenses every month You keep track of your expenses every month You keep track of your expenses every month -9 Missing Data 1 Yes 2 No 3 Not applicable You have a monthy or weekly budget You have a monthy or weekly budget You have a monthy or weekly budget You have a monthy or weekly budget You have a monthy or weekly budget -9 Missing Data 1 Yes 2 No 3 Not applicable You ensure you spend within your budget You ensure you spend within your budget You ensure you spend within your budget You ensure you spend within your budget You ensure you spend within your budget -9 Missing Data 1 Yes 2 No 3 Not applicable You review your budget if you expenses or income changes You review your budget if you expenses or income changes You review your budget if you expenses or income changes You review your budget if you expenses or income changes You review your budget if you expenses or income changes -9 Missing Data 1 Yes 2 No 3 Not applicable Never/heard but dont undestand/head and understand... Bank Never/heard but dont undestand/head and understand... Bank Never/heard but dont undestand/head and understand... Bank Never/heard but dont undestand/head and understand... Bank Never/heard but dont undestand/head and understand... Bank -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Budget Never/heard but dont undestand/head and understand... Budget Never/heard but dont undestand/head and understand... Budget Never/heard but dont undestand/head and understand... Budget Never/heard but dont undestand/head and understand... Budget -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Debt Never/heard but dont undestand/head and understand... Debt Never/heard but dont undestand/head and understand... Debt Never/heard but dont undestand/head and understand... Debt Never/heard but dont undestand/head and understand... Debt -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Savings Account Never/heard but dont undestand/head and understand... Savings Account Never/heard but dont undestand/head and understand... Savings Account Never/heard but dont undestand/head and understand... Savings Account Never/heard but dont undestand/head and understand... Savings Account -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Current Account Never/heard but dont undestand/head and understand... Current Account Never/heard but dont undestand/head and understand... Current Account Never/heard but dont undestand/head and understand... Current Account Never/heard but dont undestand/head and understand... Current Account -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Debit Card Never/heard but dont undestand/head and understand... Debit Card Never/heard but dont undestand/head and understand... Debit Card Never/heard but dont undestand/head and understand... Debit Card Never/heard but dont undestand/head and understand... Debit Card -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Credit Card Never/heard but dont undestand/head and understand... Credit Card Never/heard but dont undestand/head and understand... Credit Card Never/heard but dont undestand/head and understand... Credit Card Never/heard but dont undestand/head and understand... Credit Card -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... ATM / Cashpoint Card Never/heard but dont undestand/head and understand... ATM / Cashpoint Card Never/heard but dont undestand/head and understand... ATM / Cashpoint Card Never/heard but dont undestand/head and understand... ATM / Cashpoint Card Never/heard but dont undestand/head and understand... ATM / Cashpoint Card -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Collateral Never/heard but dont undestand/head and understand... Collateral Never/heard but dont undestand/head and understand... Collateral Never/heard but dont undestand/head and understand... Collateral Never/heard but dont undestand/head and understand... Collateral -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Insurance Never/heard but dont undestand/head and understand... Insurance Never/heard but dont undestand/head and understand... Insurance Never/heard but dont undestand/head and understand... Insurance Never/heard but dont undestand/head and understand... Insurance -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Interest Never/heard but dont undestand/head and understand... Interest Never/heard but dont undestand/head and understand... Interest Never/heard but dont undestand/head and understand... Interest Never/heard but dont undestand/head and understand... Interest -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Investment Never/heard but dont undestand/head and understand... Investment Never/heard but dont undestand/head and understand... Investment Never/heard but dont undestand/head and understand... Investment Never/heard but dont undestand/head and understand... Investment -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Microfinance Never/heard but dont undestand/head and understand... Microfinance Never/heard but dont undestand/head and understand... Microfinance Never/heard but dont undestand/head and understand... Microfinance Never/heard but dont undestand/head and understand... Microfinance -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Exchange Rate Never/heard but dont undestand/head and understand... Exchange Rate Never/heard but dont undestand/head and understand... Exchange Rate Never/heard but dont undestand/head and understand... Exchange Rate Never/heard but dont undestand/head and understand... Exchange Rate -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Profit Never/heard but dont undestand/head and understand... Profit Never/heard but dont undestand/head and understand... Profit Never/heard but dont undestand/head and understand... Profit Never/heard but dont undestand/head and understand... Profit -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Turnover Never/heard but dont undestand/head and understand... Turnover Never/heard but dont undestand/head and understand... Turnover Never/heard but dont undestand/head and understand... Turnover Never/heard but dont undestand/head and understand... Turnover -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Revenue Never/heard but dont undestand/head and understand... Revenue Never/heard but dont undestand/head and understand... Revenue Never/heard but dont undestand/head and understand... Revenue Never/heard but dont undestand/head and understand... Revenue -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Cashflow Never/heard but dont undestand/head and understand... Cashflow Never/heard but dont undestand/head and understand... Cashflow Never/heard but dont undestand/head and understand... Cashflow Never/heard but dont undestand/head and understand... Cashflow -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Savings Never/heard but dont undestand/head and understand... Savings Never/heard but dont undestand/head and understand... Savings Never/heard but dont undestand/head and understand... Savings Never/heard but dont undestand/head and understand... Savings -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard Never/heard but dont undestand/head and understand... Premium Never/heard but dont undestand/head and understand... Premium Never/heard but dont undestand/head and understand... Premium Never/heard but dont undestand/head and understand... Premium Never/heard but dont undestand/head and understand... Premium -9 Missing Data 1 Heard and understand 2 Heard but don't understand 3 Never heard S5Q2A.1: Please tell me other names of banks you know or aware of? S5Q2A.1: Please tell me other names of banks you know or aware of? S5Q2A.1: Please tell me other names of banks you know or aware of? S5Q2A.1: Please tell me other names of banks you know or aware of? S5Q2A.1: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.2: Please tell me other names of banks you know or aware of? S5Q2A.2: Please tell me other names of banks you know or aware of? S5Q2A.2: Please tell me other names of banks you know or aware of? S5Q2A.2: Please tell me other names of banks you know or aware of? S5Q2A.2: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.3: Please tell me other names of banks you know or aware of? S5Q2A.3: Please tell me other names of banks you know or aware of? S5Q2A.3: Please tell me other names of banks you know or aware of? S5Q2A.3: Please tell me other names of banks you know or aware of? S5Q2A.3: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.4: Please tell me other names of banks you know or aware of? S5Q2A.4: Please tell me other names of banks you know or aware of? S5Q2A.4: Please tell me other names of banks you know or aware of? S5Q2A.4: Please tell me other names of banks you know or aware of? S5Q2A.4: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.5: Please tell me other names of banks you know or aware of? S5Q2A.5: Please tell me other names of banks you know or aware of? S5Q2A.5: Please tell me other names of banks you know or aware of? S5Q2A.5: Please tell me other names of banks you know or aware of? S5Q2A.5: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.6: Please tell me other names of banks you know or aware of? S5Q2A.6: Please tell me other names of banks you know or aware of? S5Q2A.6: Please tell me other names of banks you know or aware of? S5Q2A.6: Please tell me other names of banks you know or aware of? S5Q2A.6: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.7: Please tell me other names of banks you know or aware of? S5Q2A.7: Please tell me other names of banks you know or aware of? S5Q2A.7: Please tell me other names of banks you know or aware of? S5Q2A.7: Please tell me other names of banks you know or aware of? S5Q2A.7: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.8: Please tell me other names of banks you know or aware of? S5Q2A.8: Please tell me other names of banks you know or aware of? S5Q2A.8: Please tell me other names of banks you know or aware of? S5Q2A.8: Please tell me other names of banks you know or aware of? S5Q2A.8: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.9: Please tell me other names of banks you know or aware of? S5Q2A.9: Please tell me other names of banks you know or aware of? S5Q2A.9: Please tell me other names of banks you know or aware of? S5Q2A.9: Please tell me other names of banks you know or aware of? S5Q2A.9: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.10: Please tell me other names of banks you know or aware of? S5Q2A.10: Please tell me other names of banks you know or aware of? S5Q2A.10: Please tell me other names of banks you know or aware of? S5Q2A.10: Please tell me other names of banks you know or aware of? S5Q2A.10: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.11: Please tell me other names of banks you know or aware of? S5Q2A.11: Please tell me other names of banks you know or aware of? S5Q2A.11: Please tell me other names of banks you know or aware of? S5Q2A.11: Please tell me other names of banks you know or aware of? S5Q2A.11: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.12: Please tell me other names of banks you know or aware of? S5Q2A.12: Please tell me other names of banks you know or aware of? S5Q2A.12: Please tell me other names of banks you know or aware of? S5Q2A.12: Please tell me other names of banks you know or aware of? S5Q2A.12: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.13: Please tell me other names of banks you know or aware of? S5Q2A.13: Please tell me other names of banks you know or aware of? S5Q2A.13: Please tell me other names of banks you know or aware of? S5Q2A.13: Please tell me other names of banks you know or aware of? S5Q2A.13: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.14: Please tell me other names of banks you know or aware of? S5Q2A.14: Please tell me other names of banks you know or aware of? S5Q2A.14: Please tell me other names of banks you know or aware of? S5Q2A.14: Please tell me other names of banks you know or aware of? S5Q2A.14: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.15: Please tell me other names of banks you know or aware of? S5Q2A.15: Please tell me other names of banks you know or aware of? S5Q2A.15: Please tell me other names of banks you know or aware of? S5Q2A.15: Please tell me other names of banks you know or aware of? S5Q2A.15: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.16: Please tell me other names of banks you know or aware of? S5Q2A.16: Please tell me other names of banks you know or aware of? S5Q2A.16: Please tell me other names of banks you know or aware of? S5Q2A.16: Please tell me other names of banks you know or aware of? S5Q2A.16: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.17: Please tell me other names of banks you know or aware of? S5Q2A.17: Please tell me other names of banks you know or aware of? S5Q2A.17: Please tell me other names of banks you know or aware of? S5Q2A.17: Please tell me other names of banks you know or aware of? S5Q2A.17: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.18: Please tell me other names of banks you know or aware of? S5Q2A.18: Please tell me other names of banks you know or aware of? S5Q2A.18: Please tell me other names of banks you know or aware of? S5Q2A.18: Please tell me other names of banks you know or aware of? S5Q2A.18: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.19: Please tell me other names of banks you know or aware of? S5Q2A.19: Please tell me other names of banks you know or aware of? S5Q2A.19: Please tell me other names of banks you know or aware of? S5Q2A.19: Please tell me other names of banks you know or aware of? S5Q2A.19: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q2A.20: Please tell me other names of banks you know or aware of? S5Q2A.20: Please tell me other names of banks you know or aware of? S5Q2A.20: Please tell me other names of banks you know or aware of? S5Q2A.20: Please tell me other names of banks you know or aware of? S5Q2A.20: Please tell me other names of banks you know or aware of? -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 Indo-Zambia Bank 11 Intermarket Banking Corporation 12 Investrust Bank 13 Stanbic Bank 14 Standard Chartered Bank 15 Zambia National Commercial Bank (ZANACO) 16 Finance Building Society 17 Pan African Building Society 18 Zambia National Building Society 19 First National Bank (FNB) 20 National Savings and Credit Bank (NatSave) 21 Other mentions: specify S5Q3A.1: Which other factors.... institution that you think would be S5Q3A.1: Which other factors.... institution that you think would be S5Q3A.1: Which other factors.... institution that you think would be S5Q3A.1: Which other factors.... institution that you think would be S5Q3A.1: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.2: Which other factors.... institution that you think would be S5Q3A.2: Which other factors.... institution that you think would be S5Q3A.2: Which other factors.... institution that you think would be S5Q3A.2: Which other factors.... institution that you think would be S5Q3A.2: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.3: Which other factors.... institution that you think would be S5Q3A.3: Which other factors.... institution that you think would be S5Q3A.3: Which other factors.... institution that you think would be S5Q3A.3: Which other factors.... institution that you think would be S5Q3A.3: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.4: Which other factors.... institution that you think would be S5Q3A.4: Which other factors.... institution that you think would be S5Q3A.4: Which other factors.... institution that you think would be S5Q3A.4: Which other factors.... institution that you think would be S5Q3A.4: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.5: Which other factors.... institution that you think would be S5Q3A.5: Which other factors.... institution that you think would be S5Q3A.5: Which other factors.... institution that you think would be S5Q3A.5: Which other factors.... institution that you think would be S5Q3A.5: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.6: Which other factors.... institution that you think would be S5Q3A.6: Which other factors.... institution that you think would be S5Q3A.6: Which other factors.... institution that you think would be S5Q3A.6: Which other factors.... institution that you think would be S5Q3A.6: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.7: Which other factors.... institution that you think would be S5Q3A.7: Which other factors.... institution that you think would be S5Q3A.7: Which other factors.... institution that you think would be S5Q3A.7: Which other factors.... institution that you think would be S5Q3A.7: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.8: Which other factors.... institution that you think would be S5Q3A.8: Which other factors.... institution that you think would be S5Q3A.8: Which other factors.... institution that you think would be S5Q3A.8: Which other factors.... institution that you think would be S5Q3A.8: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.9: Which other factors.... institution that you think would be S5Q3A.9: Which other factors.... institution that you think would be S5Q3A.9: Which other factors.... institution that you think would be S5Q3A.9: Which other factors.... institution that you think would be S5Q3A.9: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.10: Which other factors.... institution that you think would be S5Q3A.10: Which other factors.... institution that you think would be S5Q3A.10: Which other factors.... institution that you think would be S5Q3A.10: Which other factors.... institution that you think would be S5Q3A.10: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.11: Which other factors.... institution that you think would be S5Q3A.11: Which other factors.... institution that you think would be S5Q3A.11: Which other factors.... institution that you think would be S5Q3A.11: Which other factors.... institution that you think would be S5Q3A.11: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.12: Which other factors.... institution that you think would be S5Q3A.12: Which other factors.... institution that you think would be S5Q3A.12: Which other factors.... institution that you think would be S5Q3A.12: Which other factors.... institution that you think would be S5Q3A.12: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.13: Which other factors.... institution that you think would be S5Q3A.13: Which other factors.... institution that you think would be S5Q3A.13: Which other factors.... institution that you think would be S5Q3A.13: Which other factors.... institution that you think would be S5Q3A.13: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.14: Which other factors.... institution that you think would be S5Q3A.14: Which other factors.... institution that you think would be S5Q3A.14: Which other factors.... institution that you think would be S5Q3A.14: Which other factors.... institution that you think would be S5Q3A.14: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.15: Which other factors.... institution that you think would be S5Q3A.15: Which other factors.... institution that you think would be S5Q3A.15: Which other factors.... institution that you think would be S5Q3A.15: Which other factors.... institution that you think would be S5Q3A.15: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q3A.16: Which other factors.... institution that you think would be S5Q3A.16: Which other factors.... institution that you think would be S5Q3A.16: Which other factors.... institution that you think would be S5Q3A.16: Which other factors.... institution that you think would be S5Q3A.16: Which other factors.... institution that you think would be -9 Missing Data 1 Location - close to where I live 2 Location - close to where I work 3 Convenient operating hours 4 Least amount of queueing 5 Their requirements in terms of documents that I need to provide 6 Low minimum balance amount/book amount 7 Lowest bank charges or service fees 8 Highest interest on savings 9 Lowest interest on loans 10 Whether they offer the products/services that I need 11 Quick access to a loan 12 Easy access to money 13 Attitude of staff 14 Good service 15 Image of the institution 16 Other S5Q4.1: Who do you ask if you need financial advice? S5Q4.1: Who do you ask if you need financial advice? S5Q4.1: Who do you ask if you need financial advice? S5Q4.1: Who do you ask if you need financial advice? S5Q4.1: Who do you ask if you need financial advice? -9 Missing Data 1 A household member 2 Family member or friend 3 Employer 4 Financial institution like bank/microfinance institution or Savings and Credit Co-op (SACCO) 5 Financial advisor/consultant 6 Farmers association 7 Savings club (eg Chilimba, ROSCA, ASCA) members 8 Money lender in community 9 Other specify 10 Would not ask anyone for advice 11 Don't know S5Q4.2: Who do you ask if you need financial advice? S5Q4.2: Who do you ask if you need financial advice? S5Q4.2: Who do you ask if you need financial advice? S5Q4.2: Who do you ask if you need financial advice? S5Q4.2: Who do you ask if you need financial advice? -9 Missing Data 1 A household member 2 Family member or friend 3 Employer 4 Financial institution like bank/microfinance institution or Savings and Credit Co-op (SACCO) 5 Financial advisor/consultant 6 Farmers association 7 Savings club (eg Chilimba, ROSCA, ASCA) members 8 Money lender in community 9 Other specify 10 Would not ask anyone for advice 11 Don't know S5Q4.3: Who do you ask if you need financial advice? S5Q4.3: Who do you ask if you need financial advice? S5Q4.3: Who do you ask if you need financial advice? S5Q4.3: Who do you ask if you need financial advice? S5Q4.3: Who do you ask if you need financial advice? -9 Missing Data 1 A household member 2 Family member or friend 3 Employer 4 Financial institution like bank/microfinance institution or Savings and Credit Co-op (SACCO) 5 Financial advisor/consultant 6 Farmers association 7 Savings club (eg Chilimba, ROSCA, ASCA) members 8 Money lender in community 9 Other specify 10 Would not ask anyone for advice 11 Don't know S5Q4.4: Who do you ask if you need financial advice? S5Q4.4: Who do you ask if you need financial advice? S5Q4.4: Who do you ask if you need financial advice? S5Q4.4: Who do you ask if you need financial advice? S5Q4.4: Who do you ask if you need financial advice? -9 Missing Data 1 A household member 2 Family member or friend 3 Employer 4 Financial institution like bank/microfinance institution or Savings and Credit Co-op (SACCO) 5 Financial advisor/consultant 6 Farmers association 7 Savings club (eg Chilimba, ROSCA, ASCA) members 8 Money lender in community 9 Other specify 10 Would not ask anyone for advice 11 Don't know S5Q6.1: What document do financial institutions require......their s S5Q6.1: What document do financial institutions require......their s S5Q6.1: What document do financial institutions require......their s S5Q6.1: What document do financial institutions require......their s S5Q6.1: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.2: What document do financial institutions require......their s S5Q6.2: What document do financial institutions require......their s S5Q6.2: What document do financial institutions require......their s S5Q6.2: What document do financial institutions require......their s S5Q6.2: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.3: What document do financial institutions require......their s S5Q6.3: What document do financial institutions require......their s S5Q6.3: What document do financial institutions require......their s S5Q6.3: What document do financial institutions require......their s S5Q6.3: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.4: What document do financial institutions require......their s S5Q6.4: What document do financial institutions require......their s S5Q6.4: What document do financial institutions require......their s S5Q6.4: What document do financial institutions require......their s S5Q6.4: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.5: What document do financial institutions require......their s S5Q6.5: What document do financial institutions require......their s S5Q6.5: What document do financial institutions require......their s S5Q6.5: What document do financial institutions require......their s S5Q6.5: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.6: What document do financial institutions require......their s S5Q6.6: What document do financial institutions require......their s S5Q6.6: What document do financial institutions require......their s S5Q6.6: What document do financial institutions require......their s S5Q6.6: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.7: What document do financial institutions require......their s S5Q6.7: What document do financial institutions require......their s S5Q6.7: What document do financial institutions require......their s S5Q6.7: What document do financial institutions require......their s S5Q6.7: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.8: What document do financial institutions require......their s S5Q6.8: What document do financial institutions require......their s S5Q6.8: What document do financial institutions require......their s S5Q6.8: What document do financial institutions require......their s S5Q6.8: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.9: What document do financial institutions require......their s S5Q6.9: What document do financial institutions require......their s S5Q6.9: What document do financial institutions require......their s S5Q6.9: What document do financial institutions require......their s S5Q6.9: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.10: What document do financial institutions require......their s S5Q6.10: What document do financial institutions require......their s S5Q6.10: What document do financial institutions require......their s S5Q6.10: What document do financial institutions require......their s S5Q6.10: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know S5Q6.11: What document do financial institutions require......their s S5Q6.11: What document do financial institutions require......their s S5Q6.11: What document do financial institutions require......their s S5Q6.11: What document do financial institutions require......their s S5Q6.11: What document do financial institutions require......their s -9 Missing Data 1 National registration card 2 Driver's licence 3 Passport 4 Electricity/water bill 5 Telephone/Zamtel bill 6 Bank statement 7 Lease or rental agreement (eg vehicle, house) 8 Subscription (eg satellite TV) 9 Tax return 10 Proof of residential address 11 Payslip from employer 12 Introductory Letter from Employer 13 Other specify 14 Don't know If you receive K1 Million what do you do? If you receive K1 Million what do you do? If you receive K1 Million what do you do? If you receive K1 Million what do you do? If you receive K1 Million what do you do? -9 Missing Data 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 Keep it in a safe hiding place at home 5 Carry it with you always 6 Lend it out to someone else 7 Other specify 8 Does not know Once you had ....spend your money...it on? Once you had ....spend your money...it on? Once you had ....spend your money...it on? Once you had ....spend your money...it on? Once you had ....spend your money...it on? -9 Missing Data 1 Go towards Building/buying a house 2 Improve dwelling 3 Spend it on household goods - cooker / fridge / TV / radio etc 4 Invest in agricultural equipment 5 Buy livestock 6 Buy a vehicle 7 Start a business 8 Expand a business 9 Buy additional stock for business 10 Save in the bank to get interest 11 Buy stocks on the Lusaka Stock Exchange 12 Buy Treasury Bills, Unit Trusts, Govt Bonds, etc. 13 Pay off outstanding bills 14 Pay off loans / debts 15 Pay school fees - for self / family / dependents / friends 16 Use for household consumption i.e. spend on groceries, food etc 17 Pay rent 18 Purchase of farming inputs (e.g. Fertilizer, seed, veterinary stock, land preparation) 19 Help friends/family 20 Other specify 21 Do not know True/not true/dont know... You do not like carrying cash True/not true/dont know... You do not like carrying cash True/not true/dont know... You do not like carrying cash True/not true/dont know... You do not like carrying cash True/not true/dont know... You do not like carrying cash -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... You try to make provision for the future in terms of True/not true/dont know... You try to make provision for the future in terms of True/not true/dont know... You try to make provision for the future in terms of True/not true/dont know... You try to make provision for the future in terms of True/not true/dont know... You try to make provision for the future in terms of -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... You try to make provision for the future in terms of money True/not true/dont know... People often ask your advice on financial matters True/not true/dont know... People often ask your advice on financial matters True/not true/dont know... People often ask your advice on financial matters True/not true/dont know... People often ask your advice on financial matters True/not true/dont know... People often ask your advice on financial matters -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... To get ahead in life, one needs to take some risks True/not true/dont know... To get ahead in life, one needs to take some risks True/not true/dont know... To get ahead in life, one needs to take some risks True/not true/dont know... To get ahead in life, one needs to take some risks True/not true/dont know... To get ahead in life, one needs to take some risks -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... You know quite a bit about money and finances True/not true/dont know... You know quite a bit about money and finances True/not true/dont know... You know quite a bit about money and finances True/not true/dont know... You know quite a bit about money and finances True/not true/dont know... You know quite a bit about money and finances -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... You would rather deal with people face to face than w True/not true/dont know... You would rather deal with people face to face than w True/not true/dont know... You would rather deal with people face to face than w True/not true/dont know... You would rather deal with people face to face than w True/not true/dont know... You would rather deal with people face to face than w -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... You would rather deal with people face to face than with machines such as ATMs even if the machines are quicker True/not true/dont know... When it comes to money you trust your own experience True/not true/dont know... When it comes to money you trust your own experience True/not true/dont know... When it comes to money you trust your own experience True/not true/dont know... When it comes to money you trust your own experience True/not true/dont know... When it comes to money you trust your own experience -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... When it comes to money you trust your own experience / knowledge rather than the advice / promises of others True/not true/dont know... In times of need you would rather deal with people yo True/not true/dont know... In times of need you would rather deal with people yo True/not true/dont know... In times of need you would rather deal with people yo True/not true/dont know... In times of need you would rather deal with people yo True/not true/dont know... In times of need you would rather deal with people yo -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... In times of need you would rather deal with people you know than with a large organisation True/not true/dont know... You would like to use your cellphone to transfer mone True/not true/dont know... You would like to use your cellphone to transfer mone True/not true/dont know... You would like to use your cellphone to transfer mone True/not true/dont know... You would like to use your cellphone to transfer mone True/not true/dont know... You would like to use your cellphone to transfer mone -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... You would like to use your cellphone to transfer money if you could True/not true/dont know... It is not safe to keep cash in your dwelling True/not true/dont know... It is not safe to keep cash in your dwelling True/not true/dont know... It is not safe to keep cash in your dwelling True/not true/dont know... It is not safe to keep cash in your dwelling True/not true/dont know... It is not safe to keep cash in your dwelling -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... You try to have the same things that other people hav True/not true/dont know... You try to have the same things that other people hav True/not true/dont know... You try to have the same things that other people hav True/not true/dont know... You try to have the same things that other people hav True/not true/dont know... You try to have the same things that other people hav -9 Missing Data 1 True 2 Not true 3 Don't know True/not true/dont know... You try to have the same things that other people have S6Q1A.12: True/not true/dont know S6Q1A.12: True/not true/dont know S6Q1A.12: True/not true/dont know S6Q1A.12: True/not true/dont know S6Q1A.12: True/not true/dont know -9 Missing Data 1 True 2 Not true 3 Don't know Quick access to loans ...Bank Quick access to loans ...Bank Quick access to loans ...Bank Quick access to loans ...Bank Quick access to loans ...Bank -9 Missing Data 1 Yes 2 No Quick access to your savings/cash ...Bank Quick access to your savings/cash ...Bank Quick access to your savings/cash ...Bank Quick access to your savings/cash ...Bank Quick access to your savings/cash ...Bank -9 Missing Data 1 Yes 2 No The services they offer are expensive ...Bank The services they offer are expensive ...Bank The services they offer are expensive ...Bank The services they offer are expensive ...Bank The services they offer are expensive ...Bank -9 Missing Data 1 Yes 2 No They charge high interest when you borrow from them ...Bank They charge high interest when you borrow from them ...Bank They charge high interest when you borrow from them ...Bank They charge high interest when you borrow from them ...Bank They charge high interest when you borrow from them ...Bank -9 Missing Data 1 Yes 2 No They give good interest on savings ...Bank They give good interest on savings ...Bank They give good interest on savings ...Bank They give good interest on savings ...Bank They give good interest on savings ...Bank -9 Missing Data 1 Yes 2 No They have the right products and services for me ...Bank They have the right products and services for me ...Bank They have the right products and services for me ...Bank They have the right products and services for me ...Bank They have the right products and services for me ...Bank -9 Missing Data 1 Yes 2 No They treat you like you want to be treated ...Bank They treat you like you want to be treated ...Bank They treat you like you want to be treated ...Bank They treat you like you want to be treated ...Bank They treat you like you want to be treated ...Bank -9 Missing Data 1 Yes 2 No They use words and language you don't understand ...Bank They use words and language you don't understand ...Bank They use words and language you don't understand ...Bank They use words and language you don't understand ...Bank They use words and language you don't understand ...Bank -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community ...Bank To use their products and services gives you status in the community ...Bank To use their products and services gives you status in the community ...Bank To use their products and services gives you status in the community ...Bank To use their products and services gives you status in the community ...Bank -9 Missing Data 1 Yes 2 No They try to understand your needs ...Bank They try to understand your needs ...Bank They try to understand your needs ...Bank They try to understand your needs ...Bank They try to understand your needs ...Bank -9 Missing Data 1 Yes 2 No They lend too much and get you into trouble ...Bank They lend too much and get you into trouble ...Bank They lend too much and get you into trouble ...Bank They lend too much and get you into trouble ...Bank They lend too much and get you into trouble ...Bank -9 Missing Data 1 Yes 2 No You know how to get their products and services ...Bank You know how to get their products and services ...Bank You know how to get their products and services ...Bank You know how to get their products and services ...Bank You know how to get their products and services ...Bank -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services ...Bank You know where to go if you want to use their products and services ...Bank You know where to go if you want to use their products and services ...Bank You know where to go if you want to use their products and services ...Bank You know where to go if you want to use their products and services ...Bank -9 Missing Data 1 Yes 2 No You qualify to have their products and services ...Bank You qualify to have their products and services ...Bank You qualify to have their products and services ...Bank You qualify to have their products and services ...Bank You qualify to have their products and services ...Bank -9 Missing Data 1 Yes 2 No You trust them ...Bank You trust them ...Bank You trust them ...Bank You trust them ...Bank You trust them ...Bank -9 Missing Data 1 Yes 2 No Quick access to loans ... MFI Quick access to loans ... MFI Quick access to loans ... MFI Quick access to loans ... MFI Quick access to loans ... MFI -9 Missing Data 1 Yes 2 No Quick access to your savings/cash ... MFI Quick access to your savings/cash ... MFI Quick access to your savings/cash ... MFI Quick access to your savings/cash ... MFI Quick access to your savings/cash ... MFI -9 Missing Data 1 Yes 2 No The services they offer are expensive ... MFI The services they offer are expensive ... MFI The services they offer are expensive ... MFI The services they offer are expensive ... MFI The services they offer are expensive ... MFI -9 Missing Data 1 Yes 2 No They charge high interest when you borrow from them ... MFI They charge high interest when you borrow from them ... MFI They charge high interest when you borrow from them ... MFI They charge high interest when you borrow from them ... MFI They charge high interest when you borrow from them ... MFI -9 Missing Data 1 Yes 2 No They give good interest on savings ... MFI They give good interest on savings ... MFI They give good interest on savings ... MFI They give good interest on savings ... MFI They give good interest on savings ... MFI -9 Missing Data 1 Yes 2 No They have the right products and services for me ... MFI They have the right products and services for me ... MFI They have the right products and services for me ... MFI They have the right products and services for me ... MFI They have the right products and services for me ... MFI -9 Missing Data 1 Yes 2 No They treat you like you want to be treated ... MFI They treat you like you want to be treated ... MFI They treat you like you want to be treated ... MFI They treat you like you want to be treated ... MFI They treat you like you want to be treated ... MFI -9 Missing Data 1 Yes 2 No They use words and language you don't understand ... MFI They use words and language you don't understand ... MFI They use words and language you don't understand ... MFI They use words and language you don't understand ... MFI They use words and language you don't understand ... MFI -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community ... MFI To use their products and services gives you status in the community ... MFI To use their products and services gives you status in the community ... MFI To use their products and services gives you status in the community ... MFI To use their products and services gives you status in the community ... MFI -9 Missing Data 1 Yes 2 No They try to understand your needs ... MFI They try to understand your needs ... MFI They try to understand your needs ... MFI They try to understand your needs ... MFI They try to understand your needs ... MFI -9 Missing Data 1 Yes 2 No They lend too much and get you into trouble ... MFI They lend too much and get you into trouble ... MFI They lend too much and get you into trouble ... MFI They lend too much and get you into trouble ... MFI They lend too much and get you into trouble ... MFI -9 Missing Data 1 Yes 2 No You know how to get their products and services ... MFI You know how to get their products and services ... MFI You know how to get their products and services ... MFI You know how to get their products and services ... MFI You know how to get their products and services ... MFI -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services ... MFI You know where to go if you want to use their products and services ... MFI You know where to go if you want to use their products and services ... MFI You know where to go if you want to use their products and services ... MFI You know where to go if you want to use their products and services ... MFI -9 Missing Data 1 Yes 2 No You qualify to have their products and services ... MFI You qualify to have their products and services ... MFI You qualify to have their products and services ... MFI You qualify to have their products and services ... MFI You qualify to have their products and services ... MFI -9 Missing Data 1 Yes 2 No You trust them ... MFI You trust them ... MFI You trust them ... MFI You trust them ... MFI You trust them ... MFI -9 Missing Data 1 Yes 2 No Quick access to loans .... Savings club Quick access to loans .... Savings club Quick access to loans .... Savings club Quick access to loans .... Savings club Quick access to loans .... Savings club -9 Missing Data 1 Yes 2 No Quick access to your savings/cash .... Savings club Quick access to your savings/cash .... Savings club Quick access to your savings/cash .... Savings club Quick access to your savings/cash .... Savings club Quick access to your savings/cash .... Savings club -9 Missing Data 1 Yes 2 No The services they offer are expensive .... Savings club The services they offer are expensive .... Savings club The services they offer are expensive .... Savings club The services they offer are expensive .... Savings club The services they offer are expensive .... Savings club -9 Missing Data 1 Yes 2 No They charge high interest when you borrow from them .... Savings club They charge high interest when you borrow from them .... Savings club They charge high interest when you borrow from them .... Savings club They charge high interest when you borrow from them .... Savings club They charge high interest when you borrow from them .... Savings club -9 Missing Data 1 Yes 2 No They give good interest on savings .... Savings club They give good interest on savings .... Savings club They give good interest on savings .... Savings club They give good interest on savings .... Savings club They give good interest on savings .... Savings club -9 Missing Data 1 Yes 2 No They have the right products and services for me .... Savings club They have the right products and services for me .... Savings club They have the right products and services for me .... Savings club They have the right products and services for me .... Savings club They have the right products and services for me .... Savings club -9 Missing Data 1 Yes 2 No They treat you like you want to be treated .... Savings club They treat you like you want to be treated .... Savings club They treat you like you want to be treated .... Savings club They treat you like you want to be treated .... Savings club They treat you like you want to be treated .... Savings club -9 Missing Data 1 Yes 2 No They use words and language you don't understand .... Savings club They use words and language you don't understand .... Savings club They use words and language you don't understand .... Savings club They use words and language you don't understand .... Savings club They use words and language you don't understand .... Savings club -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community .... Savin To use their products and services gives you status in the community .... Savin To use their products and services gives you status in the community .... Savin To use their products and services gives you status in the community .... Savin To use their products and services gives you status in the community .... Savin -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community .... Savings club They try to understand your needs .... Savings club They try to understand your needs .... Savings club They try to understand your needs .... Savings club They try to understand your needs .... Savings club They try to understand your needs .... Savings club -9 Missing Data 1 Yes 2 No They lend too much and get you into trouble .... Savings club They lend too much and get you into trouble .... Savings club They lend too much and get you into trouble .... Savings club They lend too much and get you into trouble .... Savings club They lend too much and get you into trouble .... Savings club -9 Missing Data 1 Yes 2 No You know how to get their products and services .... Savings club You know how to get their products and services .... Savings club You know how to get their products and services .... Savings club You know how to get their products and services .... Savings club You know how to get their products and services .... Savings club -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services .... Saving You know where to go if you want to use their products and services .... Saving You know where to go if you want to use their products and services .... Saving You know where to go if you want to use their products and services .... Saving You know where to go if you want to use their products and services .... Saving -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services .... Savings club You qualify to have their products and services .... Savings club You qualify to have their products and services .... Savings club You qualify to have their products and services .... Savings club You qualify to have their products and services .... Savings club You qualify to have their products and services .... Savings club -9 Missing Data 1 Yes 2 No You trust them .... Savings club You trust them .... Savings club You trust them .... Savings club You trust them .... Savings club You trust them .... Savings club -9 Missing Data 1 Yes 2 No Quick access to loans ... Money lender Quick access to loans ... Money lender Quick access to loans ... Money lender Quick access to loans ... Money lender Quick access to loans ... Money lender -9 Missing Data 1 Yes 2 No Quick access to your savings/cash ... Money lender Quick access to your savings/cash ... Money lender Quick access to your savings/cash ... Money lender Quick access to your savings/cash ... Money lender Quick access to your savings/cash ... Money lender -9 Missing Data 1 Yes 2 No The services they offer are expensive ... Money lender The services they offer are expensive ... Money lender The services they offer are expensive ... Money lender The services they offer are expensive ... Money lender The services they offer are expensive ... Money lender -9 Missing Data 1 Yes 2 No They charge high interest when you borrow from them ... Money lender They charge high interest when you borrow from them ... Money lender They charge high interest when you borrow from them ... Money lender They charge high interest when you borrow from them ... Money lender They charge high interest when you borrow from them ... Money lender -9 Missing Data 1 Yes 2 No They give good interest on savings ... Money lender They give good interest on savings ... Money lender They give good interest on savings ... Money lender They give good interest on savings ... Money lender They give good interest on savings ... Money lender -9 Missing Data 1 Yes 2 No They have the right products and services for me ... Money lender They have the right products and services for me ... Money lender They have the right products and services for me ... Money lender They have the right products and services for me ... Money lender They have the right products and services for me ... Money lender -9 Missing Data 1 Yes 2 No They treat you like you want to be treated ... Money lender They treat you like you want to be treated ... Money lender They treat you like you want to be treated ... Money lender They treat you like you want to be treated ... Money lender They treat you like you want to be treated ... Money lender -9 Missing Data 1 Yes 2 No They use words and language you don't understand ... Money lender They use words and language you don't understand ... Money lender They use words and language you don't understand ... Money lender They use words and language you don't understand ... Money lender They use words and language you don't understand ... Money lender -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community ... Money To use their products and services gives you status in the community ... Money To use their products and services gives you status in the community ... Money To use their products and services gives you status in the community ... Money To use their products and services gives you status in the community ... Money -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community ... Money lender They try to understand your needs ... Money lender They try to understand your needs ... Money lender They try to understand your needs ... Money lender They try to understand your needs ... Money lender They try to understand your needs ... Money lender -9 Missing Data 1 Yes 2 No They lend too much and get you into trouble ... Money lender They lend too much and get you into trouble ... Money lender They lend too much and get you into trouble ... Money lender They lend too much and get you into trouble ... Money lender They lend too much and get you into trouble ... Money lender -9 Missing Data 1 Yes 2 No You know how to get their products and services ... Money lender You know how to get their products and services ... Money lender You know how to get their products and services ... Money lender You know how to get their products and services ... Money lender You know how to get their products and services ... Money lender -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services ... Money l You know where to go if you want to use their products and services ... Money l You know where to go if you want to use their products and services ... Money l You know where to go if you want to use their products and services ... Money l You know where to go if you want to use their products and services ... Money l -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services ... Money lender You qualify to have their products and services ... Money lender You qualify to have their products and services ... Money lender You qualify to have their products and services ... Money lender You qualify to have their products and services ... Money lender You qualify to have their products and services ... Money lender -9 Missing Data 1 Yes 2 No You trust them ... Money lender You trust them ... Money lender You trust them ... Money lender You trust them ... Money lender You trust them ... Money lender -9 Missing Data 1 Yes 2 No Quick access to loans ...None Quick access to loans ...None Quick access to loans ...None Quick access to loans ...None Quick access to loans ...None -9 Missing Data 1 Yes 2 No Quick access to your savings/cash ...None Quick access to your savings/cash ...None Quick access to your savings/cash ...None Quick access to your savings/cash ...None Quick access to your savings/cash ...None -9 Missing Data 1 Yes 2 No The services they offer are expensive ...None The services they offer are expensive ...None The services they offer are expensive ...None The services they offer are expensive ...None The services they offer are expensive ...None -9 Missing Data 1 Yes 2 No They charge high interest when you borrow from them ...None They charge high interest when you borrow from them ...None They charge high interest when you borrow from them ...None They charge high interest when you borrow from them ...None They charge high interest when you borrow from them ...None -9 Missing Data 1 Yes 2 No They give good interest on savings ...None They give good interest on savings ...None They give good interest on savings ...None They give good interest on savings ...None They give good interest on savings ...None -9 Missing Data 1 Yes 2 No They have the right products and services for me ...None They have the right products and services for me ...None They have the right products and services for me ...None They have the right products and services for me ...None They have the right products and services for me ...None -9 Missing Data 1 Yes 2 No They treat you like you want to be treated ...None They treat you like you want to be treated ...None They treat you like you want to be treated ...None They treat you like you want to be treated ...None They treat you like you want to be treated ...None -9 Missing Data 1 Yes 2 No They use words and language you don't understand ...None They use words and language you don't understand ...None They use words and language you don't understand ...None They use words and language you don't understand ...None They use words and language you don't understand ...None -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community ...None To use their products and services gives you status in the community ...None To use their products and services gives you status in the community ...None To use their products and services gives you status in the community ...None To use their products and services gives you status in the community ...None -9 Missing Data 1 Yes 2 No They try to understand your needs ...None They try to understand your needs ...None They try to understand your needs ...None They try to understand your needs ...None They try to understand your needs ...None -9 Missing Data 1 Yes 2 No They lend too much and get you into trouble ...None They lend too much and get you into trouble ...None They lend too much and get you into trouble ...None They lend too much and get you into trouble ...None They lend too much and get you into trouble ...None -9 Missing Data 1 Yes 2 No You know how to get their products and services ...None You know how to get their products and services ...None You know how to get their products and services ...None You know how to get their products and services ...None You know how to get their products and services ...None -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services ...None You know where to go if you want to use their products and services ...None You know where to go if you want to use their products and services ...None You know where to go if you want to use their products and services ...None You know where to go if you want to use their products and services ...None -9 Missing Data 1 Yes 2 No You qualify to have their products and services ...None You qualify to have their products and services ...None You qualify to have their products and services ...None You qualify to have their products and services ...None You qualify to have their products and services ...None -9 Missing Data 1 Yes 2 No You trust them ...None You trust them ...None You trust them ...None You trust them ...None You trust them ...None -9 Missing Data 1 Yes 2 No Quick access to loans ...Dont know Quick access to loans ...Dont know Quick access to loans ...Dont know Quick access to loans ...Dont know Quick access to loans ...Dont know -9 Missing Data 1 Yes 2 No Quick access to your savings/cash ...Dont know Quick access to your savings/cash ...Dont know Quick access to your savings/cash ...Dont know Quick access to your savings/cash ...Dont know Quick access to your savings/cash ...Dont know -9 Missing Data 1 Yes 2 No The services they offer are expensive ...Dont know The services they offer are expensive ...Dont know The services they offer are expensive ...Dont know The services they offer are expensive ...Dont know The services they offer are expensive ...Dont know -9 Missing Data 1 Yes 2 No They charge high interest when you borrow from them ...Dont know They charge high interest when you borrow from them ...Dont know They charge high interest when you borrow from them ...Dont know They charge high interest when you borrow from them ...Dont know They charge high interest when you borrow from them ...Dont know -9 Missing Data 1 Yes 2 No They give good interest on savings ...Dont know They give good interest on savings ...Dont know They give good interest on savings ...Dont know They give good interest on savings ...Dont know They give good interest on savings ...Dont know -9 Missing Data 1 Yes 2 No They have the right products and services for me ...Dont know They have the right products and services for me ...Dont know They have the right products and services for me ...Dont know They have the right products and services for me ...Dont know They have the right products and services for me ...Dont know -9 Missing Data 1 Yes 2 No They treat you like you want to be treated ...Dont know They treat you like you want to be treated ...Dont know They treat you like you want to be treated ...Dont know They treat you like you want to be treated ...Dont know They treat you like you want to be treated ...Dont know -9 Missing Data 1 Yes 2 No They use words and language you don't understand ...Dont know They use words and language you don't understand ...Dont know They use words and language you don't understand ...Dont know They use words and language you don't understand ...Dont know They use words and language you don't understand ...Dont know -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community ...Dont kn To use their products and services gives you status in the community ...Dont kn To use their products and services gives you status in the community ...Dont kn To use their products and services gives you status in the community ...Dont kn To use their products and services gives you status in the community ...Dont kn -9 Missing Data 1 Yes 2 No To use their products and services gives you status in the community ...Dont know They try to understand your needs ...Dont know They try to understand your needs ...Dont know They try to understand your needs ...Dont know They try to understand your needs ...Dont know They try to understand your needs ...Dont know -9 Missing Data 1 Yes 2 No They lend too much and get you into trouble ...Dont know They lend too much and get you into trouble ...Dont know They lend too much and get you into trouble ...Dont know They lend too much and get you into trouble ...Dont know They lend too much and get you into trouble ...Dont know -9 Missing Data 1 Yes 2 No You know how to get their products and services ...Dont know You know how to get their products and services ...Dont know You know how to get their products and services ...Dont know You know how to get their products and services ...Dont know You know how to get their products and services ...Dont know -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services ...Dont kno You know where to go if you want to use their products and services ...Dont kno You know where to go if you want to use their products and services ...Dont kno You know where to go if you want to use their products and services ...Dont kno You know where to go if you want to use their products and services ...Dont kno -9 Missing Data 1 Yes 2 No You know where to go if you want to use their products and services ...Dont know You qualify to have their products and services ...Dont know You qualify to have their products and services ...Dont know You qualify to have their products and services ...Dont know You qualify to have their products and services ...Dont know You qualify to have their products and services ...Dont know -9 Missing Data 1 Yes 2 No You trust them ...Dont know You trust them ...Dont know You trust them ...Dont know You trust them ...Dont know You trust them ...Dont know -9 Missing Data 1 Yes 2 No It is better to save where your money is safe...........more It is better to save where your money is safe...........more It is better to save where your money is safe...........more It is better to save where your money is safe...........more It is better to save where your money is safe...........more -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not know Your prefer to spend money when you have it rather........la Your prefer to spend money when you have it rather........la Your prefer to spend money when you have it rather........la Your prefer to spend money when you have it rather........la Your prefer to spend money when you have it rather........la -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not know If you regularly put away small amounts of money it.......be If you regularly put away small amounts of money it.......be If you regularly put away small amounts of money it.......be If you regularly put away small amounts of money it.......be If you regularly put away small amounts of money it.......be -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not know You have to save for difficult times...income is low You have to save for difficult times...income is low You have to save for difficult times...income is low You have to save for difficult times...income is low You have to save for difficult times...income is low -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not know You try different savings products to try and get the most i You try different savings products to try and get the most i You try different savings products to try and get the most i You try different savings products to try and get the most i You try different savings products to try and get the most i -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not know You know how much interet you will get on your savings You know how much interet you will get on your savings You know how much interet you will get on your savings You know how much interet you will get on your savings You know how much interet you will get on your savings -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not know You go without certain things to be able to save You go without certain things to be able to save You go without certain things to be able to save You go without certain things to be able to save You go without certain things to be able to save -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not know Which of the following description do you think....save? Which of the following description do you think....save? Which of the following description do you think....save? Which of the following description do you think....save? Which of the following description do you think....save? -9 Missing Data 1 Putting money in a special place or account for the money to be safe 2 Putting money aside to stop it being spent immediately to use later when needed 3 Putting money aside so that you have some money at the end of the week/month 4 Putting money away so that the total amount increases over time as more is put away 5 Putting money aside for you to use later for a specific purpose 6 Don't know (do not read) Do you, when you can save or put money away for a specific p Do you, when you can save or put money away for a specific p Do you, when you can save or put money away for a specific p Do you, when you can save or put money away for a specific p Do you, when you can save or put money away for a specific p -9 Missing Data 1 Yes 2 No How often are you able to put money away? How often are you able to put money away? How often are you able to put money away? How often are you able to put money away? How often are you able to put money away? -9 Missing Data 1 Daily basis 2 Weekly basis 3 Monthly basis 4 Three to four times a year 5 Once a year 6 Less than once a year Approximately how much of your monthly income do you save... Approximately how much of your monthly income do you save... Approximately how much of your monthly income do you save... Approximately how much of your monthly income do you save... Approximately how much of your monthly income do you save... -9 Missing Data 1 Depends on the amount you have available 2 Depends on the amount you have left over after living expenses 3 Less than a quarter 4 About a quarter 5 About half (two quarters) 6 About three quarters 7 More than three quarters 8 Don't know (do not read out) During the past months, did you have extra money that....... During the past months, did you have extra money that....... During the past months, did you have extra money that....... During the past months, did you have extra money that....... During the past months, did you have extra money that....... -9 Missing Data 1 Yes 2 No Second Institution Second Institution Second Institution Second Institution Second Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Third Institution Third Institution Third Institution Third Institution Third Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Fourth Institution Fourth Institution Fourth Institution Fourth Institution Fourth Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Savings products..... Savings at a bank Savings products..... Savings at a bank Savings products..... Savings at a bank Savings products..... Savings at a bank Savings products..... Savings at a bank -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings at another financial organisation like a microfina Savings products..... Savings at another financial organisation like a microfina Savings products..... Savings at another financial organisation like a microfina Savings products..... Savings at another financial organisation like a microfina Savings products..... Savings at another financial organisation like a microfina -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings at another financial organisation like a microfinance institution or Savings and Credit Co-op (SACCO) Savings products..... Savings with your employer Savings products..... Savings with your employer Savings products..... Savings with your employer Savings products..... Savings with your employer Savings products..... Savings with your employer -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings with a savings club eg Chilimba, ROSCA, ASCA Savings products..... Savings with a savings club eg Chilimba, ROSCA, ASCA Savings products..... Savings with a savings club eg Chilimba, ROSCA, ASCA Savings products..... Savings with a savings club eg Chilimba, ROSCA, ASCA Savings products..... Savings with a savings club eg Chilimba, ROSCA, ASCA -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings with another community group or church Savings products..... Savings with another community group or church Savings products..... Savings with another community group or church Savings products..... Savings with another community group or church Savings products..... Savings with another community group or church -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings in the form of cash at home or in a secret hiding Savings products..... Savings in the form of cash at home or in a secret hiding Savings products..... Savings in the form of cash at home or in a secret hiding Savings products..... Savings in the form of cash at home or in a secret hiding Savings products..... Savings in the form of cash at home or in a secret hiding -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings in the form of cash at home or in a secret hiding place that you are not using for everyday living expenses Savings products..... Savings in the form of cash kept safe by carrying it aroun Savings products..... Savings in the form of cash kept safe by carrying it aroun Savings products..... Savings in the form of cash kept safe by carrying it aroun Savings products..... Savings in the form of cash kept safe by carrying it aroun Savings products..... Savings in the form of cash kept safe by carrying it aroun -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings in the form of cash kept safe by carrying it around (eg in waist band/chitenge) - not using it for living expens Savings products..... Savings by means of money that you gave to a household or Savings products..... Savings by means of money that you gave to a household or Savings products..... Savings by means of money that you gave to a household or Savings products..... Savings by means of money that you gave to a household or Savings products..... Savings by means of money that you gave to a household or -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings by means of money that you gave to a household or family member to keep safe for you Savings products..... Saving by means of money you gave to someone else for safe Savings products..... Saving by means of money you gave to someone else for safe Savings products..... Saving by means of money you gave to someone else for safe Savings products..... Saving by means of money you gave to someone else for safe Savings products..... Saving by means of money you gave to someone else for safe -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Saving by means of money you gave to someone else for safe keeping (eg money guards) Savings products..... Savings by means of buying farming/fishing inputs in advan Savings products..... Savings by means of buying farming/fishing inputs in advan Savings products..... Savings by means of buying farming/fishing inputs in advan Savings products..... Savings by means of buying farming/fishing inputs in advan Savings products..... Savings by means of buying farming/fishing inputs in advan -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings by means of buying farming/fishing inputs in advance (like seeds or fertiliser) Savings products..... Savings in Treasury Bills or Government Bonds Savings products..... Savings in Treasury Bills or Government Bonds Savings products..... Savings in Treasury Bills or Government Bonds Savings products..... Savings in Treasury Bills or Government Bonds Savings products..... Savings in Treasury Bills or Government Bonds -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Savings in unit trusts Savings products..... Savings in unit trusts Savings products..... Savings in unit trusts Savings products..... Savings in unit trusts Savings products..... Savings in unit trusts -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Is there any other form of savings that I have not mention Savings products..... Is there any other form of savings that I have not mention Savings products..... Is there any other form of savings that I have not mention Savings products..... Is there any other form of savings that I have not mention Savings products..... Is there any other form of savings that I have not mention -9 Missing Data 1 Have now 2 Used to have 3 Never had Savings products..... Is there any other form of savings that I have not mentioned that you have or used to have? If yes, Please tell me what First Institution.... Savings at a bank First Institution.... Savings at a bank First Institution.... Savings at a bank First Institution.... Savings at a bank First Institution.... Savings at a bank -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings at another financial organisation like a microfina First Institution.... Savings at another financial organisation like a microfina First Institution.... Savings at another financial organisation like a microfina First Institution.... Savings at another financial organisation like a microfina First Institution.... Savings at another financial organisation like a microfina -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings at another financial organisation like a microfinance institution or Savings and Credit Co-op (SACCO) First Institution.... Savings with your employer First Institution.... Savings with your employer First Institution.... Savings with your employer First Institution.... Savings with your employer First Institution.... Savings with your employer -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings with a savings club eg Chilimba, ROSCA, ASCA First Institution.... Savings with a savings club eg Chilimba, ROSCA, ASCA First Institution.... Savings with a savings club eg Chilimba, ROSCA, ASCA First Institution.... Savings with a savings club eg Chilimba, ROSCA, ASCA First Institution.... Savings with a savings club eg Chilimba, ROSCA, ASCA -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings with another community group or church First Institution.... Savings with another community group or church First Institution.... Savings with another community group or church First Institution.... Savings with another community group or church First Institution.... Savings with another community group or church -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings in the form of cash at home or in a secret hiding First Institution.... Savings in the form of cash at home or in a secret hiding First Institution.... Savings in the form of cash at home or in a secret hiding First Institution.... Savings in the form of cash at home or in a secret hiding First Institution.... Savings in the form of cash at home or in a secret hiding -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings in the form of cash at home or in a secret hiding place that you are not using for everyday living expenses First Institution.... Savings in the form of cash kept safe by carrying it aroun First Institution.... Savings in the form of cash kept safe by carrying it aroun First Institution.... Savings in the form of cash kept safe by carrying it aroun First Institution.... Savings in the form of cash kept safe by carrying it aroun First Institution.... Savings in the form of cash kept safe by carrying it aroun -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings in the form of cash kept safe by carrying it around (eg in waist band/chitenge) - not using it for living expens First Institution.... Savings by means of money that you gave to a household or First Institution.... Savings by means of money that you gave to a household or First Institution.... Savings by means of money that you gave to a household or First Institution.... Savings by means of money that you gave to a household or First Institution.... Savings by means of money that you gave to a household or -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings by means of money that you gave to a household or family member to keep safe for you First Institution.... Saving by means of money you gave to someone else for safe First Institution.... Saving by means of money you gave to someone else for safe First Institution.... Saving by means of money you gave to someone else for safe First Institution.... Saving by means of money you gave to someone else for safe First Institution.... Saving by means of money you gave to someone else for safe -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Saving by means of money you gave to someone else for safe keeping (eg money guards) First Institution.... Savings by means of buying farming/fishing inputs in advan First Institution.... Savings by means of buying farming/fishing inputs in advan First Institution.... Savings by means of buying farming/fishing inputs in advan First Institution.... Savings by means of buying farming/fishing inputs in advan First Institution.... Savings by means of buying farming/fishing inputs in advan -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings by means of buying farming/fishing inputs in advance (like seeds or fertiliser) First Institution.... Savings in Treasury Bills or Government Bonds First Institution.... Savings in Treasury Bills or Government Bonds First Institution.... Savings in Treasury Bills or Government Bonds First Institution.... Savings in Treasury Bills or Government Bonds First Institution.... Savings in Treasury Bills or Government Bonds -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Savings in unit trusts First Institution.... Savings in unit trusts First Institution.... Savings in unit trusts First Institution.... Savings in unit trusts First Institution.... Savings in unit trusts -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Is there any other form of savings that I have not mention First Institution.... Is there any other form of savings that I have not mention First Institution.... Is there any other form of savings that I have not mention First Institution.... Is there any other form of savings that I have not mention First Institution.... Is there any other form of savings that I have not mention -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution.... Is there any other form of savings that I have not mentioned that you have or used to have? If yes, Please tell me what S7Q3CA.1: Why are you not saving......? S7Q3CA.1: Why are you not saving......? S7Q3CA.1: Why are you not saving......? S7Q3CA.1: Why are you not saving......? S7Q3CA.1: Why are you not saving......? -9 Missing Data 1 No money left over after living expenses 2 All your money is put into the household pot 3 Do not have any income - so nothing to save 4 You prefer to spend money when you have it 5 You cannot open an account with a bank or other finance organisation 6 You cannot get to a bank or other finance organisation 7 It is not safe to keep money in a bank or other financial organisation 8 Saving is for rich people who can afford to save and still pay their living expenses 9 You are worried who would get your money after you die 10 You are worried that your relatives would come for your savings 11 Other specify 12 Does not know S7Q3CA.2: Why are you not saving......? S7Q3CA.2: Why are you not saving......? S7Q3CA.2: Why are you not saving......? S7Q3CA.2: Why are you not saving......? S7Q3CA.2: Why are you not saving......? -9 Missing Data 1 No money left over after living expenses 2 All your money is put into the household pot 3 Do not have any income - so nothing to save 4 You prefer to spend money when you have it 5 You cannot open an account with a bank or other finance organisation 6 You cannot get to a bank or other finance organisation 7 It is not safe to keep money in a bank or other financial organisation 8 Saving is for rich people who can afford to save and still pay their living expenses 9 You are worried who would get your money after you die 10 You are worried that your relatives would come for your savings 11 Other specify 12 Does not know S7Q3CA.3: Why are you not saving......? S7Q3CA.3: Why are you not saving......? S7Q3CA.3: Why are you not saving......? S7Q3CA.3: Why are you not saving......? S7Q3CA.3: Why are you not saving......? -9 Missing Data 1 No money left over after living expenses 2 All your money is put into the household pot 3 Do not have any income - so nothing to save 4 You prefer to spend money when you have it 5 You cannot open an account with a bank or other finance organisation 6 You cannot get to a bank or other finance organisation 7 It is not safe to keep money in a bank or other financial organisation 8 Saving is for rich people who can afford to save and still pay their living expenses 9 You are worried who would get your money after you die 10 You are worried that your relatives would come for your savings 11 Other specify 12 Does not know S7Q3CA.4: Why are you not saving......? S7Q3CA.4: Why are you not saving......? S7Q3CA.4: Why are you not saving......? S7Q3CA.4: Why are you not saving......? S7Q3CA.4: Why are you not saving......? -9 Missing Data 1 No money left over after living expenses 2 All your money is put into the household pot 3 Do not have any income - so nothing to save 4 You prefer to spend money when you have it 5 You cannot open an account with a bank or other finance organisation 6 You cannot get to a bank or other finance organisation 7 It is not safe to keep money in a bank or other financial organisation 8 Saving is for rich people who can afford to save and still pay their living expenses 9 You are worried who would get your money after you die 10 You are worried that your relatives would come for your savings 11 Other specify 12 Does not know S7Q3CD.1: What are you saving.......for? S7Q3CD.1: What are you saving.......for? S7Q3CD.1: What are you saving.......for? S7Q3CD.1: What are you saving.......for? S7Q3CD.1: What are you saving.......for? -9 Missing Data 1 Medical expenses either planned or emergency 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses when needed 5 Education or school fees 6 Living expenses when you do not have money at that time 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 8 Providing something for my family after I die 9 Retirement or old age 10 Security or cash collateral so that I can borrow money 11 Buying land 12 Buying or building a dwelling to live in 13 Buying a dwelling or land to rent out 14 Buying household appliances, goods or furniture 15 Buying livestock 16 Buying farming/fishing equipment or implements 17 Buying a bicycle, motorcycle, car, truck or other transport 18 Starting or expanding my business 19 Putting money or goods into someone else's business 20 Other specify S7Q3CD.2: What are you saving.......for? S7Q3CD.2: What are you saving.......for? S7Q3CD.2: What are you saving.......for? S7Q3CD.2: What are you saving.......for? S7Q3CD.2: What are you saving.......for? -9 Missing Data 1 Medical expenses either planned or emergency 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses when needed 5 Education or school fees 6 Living expenses when you do not have money at that time 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 8 Providing something for my family after I die 9 Retirement or old age 10 Security or cash collateral so that I can borrow money 11 Buying land 12 Buying or building a dwelling to live in 13 Buying a dwelling or land to rent out 14 Buying household appliances, goods or furniture 15 Buying livestock 16 Buying farming/fishing equipment or implements 17 Buying a bicycle, motorcycle, car, truck or other transport 18 Starting or expanding my business 19 Putting money or goods into someone else's business 20 Other specify S7Q3CD.3: What are you saving.......for? S7Q3CD.3: What are you saving.......for? S7Q3CD.3: What are you saving.......for? S7Q3CD.3: What are you saving.......for? S7Q3CD.3: What are you saving.......for? -9 Missing Data 1 Medical expenses either planned or emergency 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses when needed 5 Education or school fees 6 Living expenses when you do not have money at that time 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 8 Providing something for my family after I die 9 Retirement or old age 10 Security or cash collateral so that I can borrow money 11 Buying land 12 Buying or building a dwelling to live in 13 Buying a dwelling or land to rent out 14 Buying household appliances, goods or furniture 15 Buying livestock 16 Buying farming/fishing equipment or implements 17 Buying a bicycle, motorcycle, car, truck or other transport 18 Starting or expanding my business 19 Putting money or goods into someone else's business 20 Other specify S7Q3CD.4: What are you saving.......for? S7Q3CD.4: What are you saving.......for? S7Q3CD.4: What are you saving.......for? S7Q3CD.4: What are you saving.......for? S7Q3CD.4: What are you saving.......for? -9 Missing Data 1 Medical expenses either planned or emergency 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses when needed 5 Education or school fees 6 Living expenses when you do not have money at that time 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 8 Providing something for my family after I die 9 Retirement or old age 10 Security or cash collateral so that I can borrow money 11 Buying land 12 Buying or building a dwelling to live in 13 Buying a dwelling or land to rent out 14 Buying household appliances, goods or furniture 15 Buying livestock 16 Buying farming/fishing equipment or implements 17 Buying a bicycle, motorcycle, car, truck or other transport 18 Starting or expanding my business 19 Putting money or goods into someone else's business 20 Other specify S7Q3CD.5: What are you saving.......for? S7Q3CD.5: What are you saving.......for? S7Q3CD.5: What are you saving.......for? S7Q3CD.5: What are you saving.......for? S7Q3CD.5: What are you saving.......for? -9 Missing Data 1 Medical expenses either planned or emergency 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses when needed 5 Education or school fees 6 Living expenses when you do not have money at that time 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 8 Providing something for my family after I die 9 Retirement or old age 10 Security or cash collateral so that I can borrow money 11 Buying land 12 Buying or building a dwelling to live in 13 Buying a dwelling or land to rent out 14 Buying household appliances, goods or furniture 15 Buying livestock 16 Buying farming/fishing equipment or implements 17 Buying a bicycle, motorcycle, car, truck or other transport 18 Starting or expanding my business 19 Putting money or goods into someone else's business 20 Other specify S7Q3CD.6: What are you saving.......for? S7Q3CD.6: What are you saving.......for? S7Q3CD.6: What are you saving.......for? S7Q3CD.6: What are you saving.......for? S7Q3CD.6: What are you saving.......for? -9 Missing Data 1 Medical expenses either planned or emergency 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses when needed 5 Education or school fees 6 Living expenses when you do not have money at that time 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 8 Providing something for my family after I die 9 Retirement or old age 10 Security or cash collateral so that I can borrow money 11 Buying land 12 Buying or building a dwelling to live in 13 Buying a dwelling or land to rent out 14 Buying household appliances, goods or furniture 15 Buying livestock 16 Buying farming/fishing equipment or implements 17 Buying a bicycle, motorcycle, car, truck or other transport 18 Starting or expanding my business 19 Putting money or goods into someone else's business 20 Other specify S7Q3CD.7: What are you saving.......for? S7Q3CD.7: What are you saving.......for? S7Q3CD.7: What are you saving.......for? S7Q3CD.7: What are you saving.......for? S7Q3CD.7: What are you saving.......for? -9 Missing Data 1 Medical expenses either planned or emergency 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses when needed 5 Education or school fees 6 Living expenses when you do not have money at that time 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 8 Providing something for my family after I die 9 Retirement or old age 10 Security or cash collateral so that I can borrow money 11 Buying land 12 Buying or building a dwelling to live in 13 Buying a dwelling or land to rent out 14 Buying household appliances, goods or furniture 15 Buying livestock 16 Buying farming/fishing equipment or implements 17 Buying a bicycle, motorcycle, car, truck or other transport 18 Starting or expanding my business 19 Putting money or goods into someone else's business 20 Other specify S7Q3CD.8: What are you saving.......for? S7Q3CD.8: What are you saving.......for? S7Q3CD.8: What are you saving.......for? S7Q3CD.8: What are you saving.......for? S7Q3CD.8: What are you saving.......for? -9 Missing Data 1 Medical expenses either planned or emergency 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses when needed 5 Education or school fees 6 Living expenses when you do not have money at that time 7 Farming expenses such as seeds or fertiliser or fishing expenses such as nets or a boat 8 Providing something for my family after I die 9 Retirement or old age 10 Security or cash collateral so that I can borrow money 11 Buying land 12 Buying or building a dwelling to live in 13 Buying a dwelling or land to rent out 14 Buying household appliances, goods or furniture 15 Buying livestock 16 Buying farming/fishing equipment or implements 17 Buying a bicycle, motorcycle, car, truck or other transport 18 Starting or expanding my business 19 Putting money or goods into someone else's business 20 Other specify Have you put money for later reselling for cash or profit...... Property - inclu Have you put money for later reselling for cash or profit...... Property - inclu Have you put money for later reselling for cash or profit...... Property - inclu Have you put money for later reselling for cash or profit...... Property - inclu Have you put money for later reselling for cash or profit...... Property - inclu -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Property - including second homes and rental properties Have you put money for later reselling for cash or profit...... Investments outs Have you put money for later reselling for cash or profit...... Investments outs Have you put money for later reselling for cash or profit...... Investments outs Have you put money for later reselling for cash or profit...... Investments outs Have you put money for later reselling for cash or profit...... Investments outs -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Investments outside Zambia including property or other assets Have you put money for later reselling for cash or profit...... Vacant land (inc Have you put money for later reselling for cash or profit...... Vacant land (inc Have you put money for later reselling for cash or profit...... Vacant land (inc Have you put money for later reselling for cash or profit...... Vacant land (inc Have you put money for later reselling for cash or profit...... Vacant land (inc -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Vacant land (including farm land) Have you put money for later reselling for cash or profit...... Cattle and/or ot Have you put money for later reselling for cash or profit...... Cattle and/or ot Have you put money for later reselling for cash or profit...... Cattle and/or ot Have you put money for later reselling for cash or profit...... Cattle and/or ot Have you put money for later reselling for cash or profit...... Cattle and/or ot -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Cattle and/or other livestock Have you put money for later reselling for cash or profit...... Farming equipmen Have you put money for later reselling for cash or profit...... Farming equipmen Have you put money for later reselling for cash or profit...... Farming equipmen Have you put money for later reselling for cash or profit...... Farming equipmen Have you put money for later reselling for cash or profit...... Farming equipmen -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Farming equipment or structures (irrigation, dams, buildings etc.) Have you put money for later reselling for cash or profit...... Fishing equipmen Have you put money for later reselling for cash or profit...... Fishing equipmen Have you put money for later reselling for cash or profit...... Fishing equipmen Have you put money for later reselling for cash or profit...... Fishing equipmen Have you put money for later reselling for cash or profit...... Fishing equipmen -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Fishing equipment (such as boats or nets) Have you put money for later reselling for cash or profit...... Improving, exten Have you put money for later reselling for cash or profit...... Improving, exten Have you put money for later reselling for cash or profit...... Improving, exten Have you put money for later reselling for cash or profit...... Improving, exten Have you put money for later reselling for cash or profit...... Improving, exten -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Improving, extending or building your home Have you put money for later reselling for cash or profit...... Investment in yo Have you put money for later reselling for cash or profit...... Investment in yo Have you put money for later reselling for cash or profit...... Investment in yo Have you put money for later reselling for cash or profit...... Investment in yo Have you put money for later reselling for cash or profit...... Investment in yo -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Investment in your own business (such as buying more stock, or equipment) Have you put money for later reselling for cash or profit...... Investment in so Have you put money for later reselling for cash or profit...... Investment in so Have you put money for later reselling for cash or profit...... Investment in so Have you put money for later reselling for cash or profit...... Investment in so Have you put money for later reselling for cash or profit...... Investment in so -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Investment in someone else's business Have you put money for later reselling for cash or profit...... Buying agricultu Have you put money for later reselling for cash or profit...... Buying agricultu Have you put money for later reselling for cash or profit...... Buying agricultu Have you put money for later reselling for cash or profit...... Buying agricultu Have you put money for later reselling for cash or profit...... Buying agricultu -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Buying agricultural crops from farmers Have you put money for later reselling for cash or profit...... Buying shares /s Have you put money for later reselling for cash or profit...... Buying shares /s Have you put money for later reselling for cash or profit...... Buying shares /s Have you put money for later reselling for cash or profit...... Buying shares /s Have you put money for later reselling for cash or profit...... Buying shares /s -9 Missing Data 1 Yes 2 No Have you put money for later reselling for cash or profit...... Buying shares /stock market S7Q5A.12: Yes/No S7Q5A.12: Yes/No S7Q5A.12: Yes/No S7Q5A.12: Yes/No S7Q5A.12: Yes/No -9 Missing Data 1 Yes 2 No S7Q6.1: What are the things you would take into account......you mon S7Q6.1: What are the things you would take into account......you mon S7Q6.1: What are the things you would take into account......you mon S7Q6.1: What are the things you would take into account......you mon S7Q6.1: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.2: What are the things you would take into account......you mon S7Q6.2: What are the things you would take into account......you mon S7Q6.2: What are the things you would take into account......you mon S7Q6.2: What are the things you would take into account......you mon S7Q6.2: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.3: What are the things you would take into account......you mon S7Q6.3: What are the things you would take into account......you mon S7Q6.3: What are the things you would take into account......you mon S7Q6.3: What are the things you would take into account......you mon S7Q6.3: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.4: What are the things you would take into account......you mon S7Q6.4: What are the things you would take into account......you mon S7Q6.4: What are the things you would take into account......you mon S7Q6.4: What are the things you would take into account......you mon S7Q6.4: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.5: What are the things you would take into account......you mon S7Q6.5: What are the things you would take into account......you mon S7Q6.5: What are the things you would take into account......you mon S7Q6.5: What are the things you would take into account......you mon S7Q6.5: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.6: What are the things you would take into account......you mon S7Q6.6: What are the things you would take into account......you mon S7Q6.6: What are the things you would take into account......you mon S7Q6.6: What are the things you would take into account......you mon S7Q6.6: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.7: What are the things you would take into account......you mon S7Q6.7: What are the things you would take into account......you mon S7Q6.7: What are the things you would take into account......you mon S7Q6.7: What are the things you would take into account......you mon S7Q6.7: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.8: What are the things you would take into account......you mon S7Q6.8: What are the things you would take into account......you mon S7Q6.8: What are the things you would take into account......you mon S7Q6.8: What are the things you would take into account......you mon S7Q6.8: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.9: What are the things you would take into account......you mon S7Q6.9: What are the things you would take into account......you mon S7Q6.9: What are the things you would take into account......you mon S7Q6.9: What are the things you would take into account......you mon S7Q6.9: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify S7Q6.10: What are the things you would take into account......you mon S7Q6.10: What are the things you would take into account......you mon S7Q6.10: What are the things you would take into account......you mon S7Q6.10: What are the things you would take into account......you mon S7Q6.10: What are the things you would take into account......you mon -9 Missing Data 1 Location - proximity to home/place of work 2 Easy/simple to use 3 Quick cash when it is needed 4 Convenience of depositing/withdrawing 5 Affordability - must not pay high service fees 6 Trust in service provider 7 Good service by service provider 8 Safety of money (from theft) 9 High interest on savings 10 Other specify 8.2.1 Did you borrow any money from any body or any institut 8.2.1 Did you borrow any money from any body or any institut 8.2.1 Did you borrow any money from any body or any institut 8.2.1 Did you borrow any money from any body or any institut 8.2.1 Did you borrow any money from any body or any institut -9 Missing Data 1 Yes 2 No 8.2.2 Have you been paying back money that you borrowed ... 8.2.2 Have you been paying back money that you borrowed ... 8.2.2 Have you been paying back money that you borrowed ... 8.2.2 Have you been paying back money that you borrowed ... 8.2.2 Have you been paying back money that you borrowed ... -9 Missing Data 1 Yes 2 No 8.2.3 During the past 12 months did you get any goods/servic 8.2.3 During the past 12 months did you get any goods/servic 8.2.3 During the past 12 months did you get any goods/servic 8.2.3 During the past 12 months did you get any goods/servic 8.2.3 During the past 12 months did you get any goods/servic -9 Missing Data 1 Yes 2 No What proportion of your.....money that you owe? What proportion of your.....money that you owe? What proportion of your.....money that you owe? What proportion of your.....money that you owe? What proportion of your.....money that you owe? -9 Missing Data 1 Less than quarter 2 About quarter 3 About half(two quarters) 4 About three quarters 5 More than three quarters 6 Do not know 7 Not applicable In the past 12 months, have you missed a payment? In the past 12 months, have you missed a payment? In the past 12 months, have you missed a payment? In the past 12 months, have you missed a payment? In the past 12 months, have you missed a payment? -9 Missing Data 1 Yes 2 No 3 Not applicable In the past 12 months, have you been refused a loan? In the past 12 months, have you been refused a loan? In the past 12 months, have you been refused a loan? In the past 12 months, have you been refused a loan? In the past 12 months, have you been refused a loan? -9 Missing Data 1 Yes 2 No When buying on credit you find it usually ends up being more expensive than you When buying on credit you find it usually ends up being more expensive than you When buying on credit you find it usually ends up being more expensive than you When buying on credit you find it usually ends up being more expensive than you When buying on credit you find it usually ends up being more expensive than you -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable When buying on credit you find it usually ends up being more expensive than you thought it was You avoid borrowing money if you can You avoid borrowing money if you can You avoid borrowing money if you can You avoid borrowing money if you can You avoid borrowing money if you can -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable Without credit / taking a loan, you would not be able to feed your family Without credit / taking a loan, you would not be able to feed your family Without credit / taking a loan, you would not be able to feed your family Without credit / taking a loan, you would not be able to feed your family Without credit / taking a loan, you would not be able to feed your family -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable If you borrow money it is okay to pay it a bit later than agreed If you borrow money it is okay to pay it a bit later than agreed If you borrow money it is okay to pay it a bit later than agreed If you borrow money it is okay to pay it a bit later than agreed If you borrow money it is okay to pay it a bit later than agreed -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable If you borrow from your family, most of the time they do not expect you to pay If you borrow from your family, most of the time they do not expect you to pay If you borrow from your family, most of the time they do not expect you to pay If you borrow from your family, most of the time they do not expect you to pay If you borrow from your family, most of the time they do not expect you to pay -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable If you borrow from your family, most of the time they do not expect you to pay back It is okay to borrow money to pay back outstanding debt It is okay to borrow money to pay back outstanding debt It is okay to borrow money to pay back outstanding debt It is okay to borrow money to pay back outstanding debt It is okay to borrow money to pay back outstanding debt -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable You have a good idea of the amount of interest you pay when you borrow money th You have a good idea of the amount of interest you pay when you borrow money th You have a good idea of the amount of interest you pay when you borrow money th You have a good idea of the amount of interest you pay when you borrow money th You have a good idea of the amount of interest you pay when you borrow money th -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable You have a good idea of the amount of interest you pay when you borrow money that you have to pay back with interest Being able to borrow money when you need it is more important than the amount o Being able to borrow money when you need it is more important than the amount o Being able to borrow money when you need it is more important than the amount o Being able to borrow money when you need it is more important than the amount o Being able to borrow money when you need it is more important than the amount o -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable Being able to borrow money when you need it is more important than the amount of money you have to pay back Taking a loan or credit for someone else is a risky thing to do Taking a loan or credit for someone else is a risky thing to do Taking a loan or credit for someone else is a risky thing to do Taking a loan or credit for someone else is a risky thing to do Taking a loan or credit for someone else is a risky thing to do -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable It is better to remain with debt than to sell something to pay it It is better to remain with debt than to sell something to pay it It is better to remain with debt than to sell something to pay it It is better to remain with debt than to sell something to pay it It is better to remain with debt than to sell something to pay it -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable It is better to keep savings than to use it to pay a debt It is better to keep savings than to use it to pay a debt It is better to keep savings than to use it to pay a debt It is better to keep savings than to use it to pay a debt It is better to keep savings than to use it to pay a debt -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable You would consider using a money lender (Kaloba,shylock) in an emergency You would consider using a money lender (Kaloba,shylock) in an emergency You would consider using a money lender (Kaloba,shylock) in an emergency You would consider using a money lender (Kaloba,shylock) in an emergency You would consider using a money lender (Kaloba,shylock) in an emergency -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable You have used a money lender (Kaloba, shylock) in the past You have used a money lender (Kaloba, shylock) in the past You have used a money lender (Kaloba, shylock) in the past You have used a money lender (Kaloba, shylock) in the past You have used a money lender (Kaloba, shylock) in the past -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable A lender has taken your security/collateral in the past A lender has taken your security/collateral in the past A lender has taken your security/collateral in the past A lender has taken your security/collateral in the past A lender has taken your security/collateral in the past -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable It is embarrassing to borrow money or buy on credit It is embarrassing to borrow money or buy on credit It is embarrassing to borrow money or buy on credit It is embarrassing to borrow money or buy on credit It is embarrassing to borrow money or buy on credit -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable Second Institution Second Institution Second Institution Second Institution Second Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Third Institution Third Institution Third Institution Third Institution Third Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Fourth Institution Fourth Institution Fourth Institution Fourth Institution Fourth Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Contract Contract Contract Contract Contract -9 Missing Data 1 Yes 2 No Language Language Language Language Language -9 Missing Data 1 Yes 2 No Read/explain Read/explain Read/explain Read/explain Read/explain -9 Missing Data 1 Yes 2 No Terms Terms Terms Terms Terms -9 Missing Data 1 Yes 2 No Product..... Borrowed money from a bank Product..... Borrowed money from a bank Product..... Borrowed money from a bank Product..... Borrowed money from a bank Product..... Borrowed money from a bank -9 Missing Data 1 Yes 2 No Product..... Borrowed money from another financial institution (eg Microfinance Product..... Borrowed money from another financial institution (eg Microfinance Product..... Borrowed money from another financial institution (eg Microfinance Product..... Borrowed money from another financial institution (eg Microfinance Product..... Borrowed money from another financial institution (eg Microfinance -9 Missing Data 1 Yes 2 No Product..... Borrowed money from another financial institution (eg Microfinance institution, Savings and Credit Co-op (SACCO)) Product..... Got a loan from the Government Scheme/Institution Product..... Got a loan from the Government Scheme/Institution Product..... Got a loan from the Government Scheme/Institution Product..... Got a loan from the Government Scheme/Institution Product..... Got a loan from the Government Scheme/Institution -9 Missing Data 1 Yes 2 No Product..... Borrowed money from your employer Product..... Borrowed money from your employer Product..... Borrowed money from your employer Product..... Borrowed money from your employer Product..... Borrowed money from your employer -9 Missing Data 1 Yes 2 No Product..... Borrowed money from family/friends that you had to pay back Product..... Borrowed money from family/friends that you had to pay back Product..... Borrowed money from family/friends that you had to pay back Product..... Borrowed money from family/friends that you had to pay back Product..... Borrowed money from family/friends that you had to pay back -9 Missing Data 1 Yes 2 No Product..... Got money from family/friends that you did not have to pay back Product..... Got money from family/friends that you did not have to pay back Product..... Got money from family/friends that you did not have to pay back Product..... Got money from family/friends that you did not have to pay back Product..... Got money from family/friends that you did not have to pay back -9 Missing Data 1 Yes 2 No Product..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA) Product..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA) Product..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA) Product..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA) Product..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA) -9 Missing Data 1 Yes 2 No Product..... Borrowed money from a money lender (Kaloba, shylock) Product..... Borrowed money from a money lender (Kaloba, shylock) Product..... Borrowed money from a money lender (Kaloba, shylock) Product..... Borrowed money from a money lender (Kaloba, shylock) Product..... Borrowed money from a money lender (Kaloba, shylock) -9 Missing Data 1 Yes 2 No Product..... Borrowed goods from a farmer/someone else to sell (marketeering) Product..... Borrowed goods from a farmer/someone else to sell (marketeering) Product..... Borrowed goods from a farmer/someone else to sell (marketeering) Product..... Borrowed goods from a farmer/someone else to sell (marketeering) Product..... Borrowed goods from a farmer/someone else to sell (marketeering) -9 Missing Data 1 Yes 2 No Product..... Borrowed money/got goods in advance from an agricultural buyer Product..... Borrowed money/got goods in advance from an agricultural buyer Product..... Borrowed money/got goods in advance from an agricultural buyer Product..... Borrowed money/got goods in advance from an agricultural buyer Product..... Borrowed money/got goods in advance from an agricultural buyer -9 Missing Data 1 Yes 2 No Product..... Borrowed money/got goods in advance from a farmers organisation Product..... Borrowed money/got goods in advance from a farmers organisation Product..... Borrowed money/got goods in advance from a farmers organisation Product..... Borrowed money/got goods in advance from a farmers organisation Product..... Borrowed money/got goods in advance from a farmers organisation -9 Missing Data 1 Yes 2 No Product..... Borrowed money from a church or other community based organisation Product..... Borrowed money from a church or other community based organisation Product..... Borrowed money from a church or other community based organisation Product..... Borrowed money from a church or other community based organisation Product..... Borrowed money from a church or other community based organisation -9 Missing Data 1 Yes 2 No Product..... Borrowed money from a church or other community based organisation that you belong to Product..... Got goods in advance from a shop/store and had to pay back later Product..... Got goods in advance from a shop/store and had to pay back later Product..... Got goods in advance from a shop/store and had to pay back later Product..... Got goods in advance from a shop/store and had to pay back later Product..... Got goods in advance from a shop/store and had to pay back later -9 Missing Data 1 Yes 2 No Product..... Did you borrow money or get goods in advance from any other source Product..... Did you borrow money or get goods in advance from any other source Product..... Did you borrow money or get goods in advance from any other source Product..... Did you borrow money or get goods in advance from any other source Product..... Did you borrow money or get goods in advance from any other source -9 Missing Data 1 Yes 2 No Product..... Did you borrow money or get goods in advance from any other source that I have not mentioned? From whom/where? First Institution..... Borrowed money from a bank First Institution..... Borrowed money from a bank First Institution..... Borrowed money from a bank First Institution..... Borrowed money from a bank First Institution..... Borrowed money from a bank -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money from another financial institution (eg Mic First Institution..... Borrowed money from another financial institution (eg Mic First Institution..... Borrowed money from another financial institution (eg Mic First Institution..... Borrowed money from another financial institution (eg Mic First Institution..... Borrowed money from another financial institution (eg Mic -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money from another financial institution (eg Microfinance institution, Savings and Credit Co-op (SACCO)) First Institution..... Got a loan from the Government Scheme/Institution First Institution..... Got a loan from the Government Scheme/Institution First Institution..... Got a loan from the Government Scheme/Institution First Institution..... Got a loan from the Government Scheme/Institution First Institution..... Got a loan from the Government Scheme/Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money from your employer First Institution..... Borrowed money from your employer First Institution..... Borrowed money from your employer First Institution..... Borrowed money from your employer First Institution..... Borrowed money from your employer -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money from family/friends that you had to pay ba First Institution..... Borrowed money from family/friends that you had to pay ba First Institution..... Borrowed money from family/friends that you had to pay ba First Institution..... Borrowed money from family/friends that you had to pay ba First Institution..... Borrowed money from family/friends that you had to pay ba -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money from family/friends that you had to pay back First Institution..... Got money from family/friends that you did not have to pa First Institution..... Got money from family/friends that you did not have to pa First Institution..... Got money from family/friends that you did not have to pa First Institution..... Got money from family/friends that you did not have to pa First Institution..... Got money from family/friends that you did not have to pa -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Got money from family/friends that you did not have to pay back First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASC First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASC First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASC First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASC First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASC -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money from savings club (eg Chilimba, ROSCA, ASCA) First Institution..... Borrowed money from a money lender (Kaloba, shylock) First Institution..... Borrowed money from a money lender (Kaloba, shylock) First Institution..... Borrowed money from a money lender (Kaloba, shylock) First Institution..... Borrowed money from a money lender (Kaloba, shylock) First Institution..... Borrowed money from a money lender (Kaloba, shylock) -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed goods from a farmer/someone else to sell (market First Institution..... Borrowed goods from a farmer/someone else to sell (market First Institution..... Borrowed goods from a farmer/someone else to sell (market First Institution..... Borrowed goods from a farmer/someone else to sell (market First Institution..... Borrowed goods from a farmer/someone else to sell (market -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed goods from a farmer/someone else to sell (marketeering) First Institution..... Borrowed money/got goods in advance from an agricultural First Institution..... Borrowed money/got goods in advance from an agricultural First Institution..... Borrowed money/got goods in advance from an agricultural First Institution..... Borrowed money/got goods in advance from an agricultural First Institution..... Borrowed money/got goods in advance from an agricultural -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money/got goods in advance from an agricultural buyer First Institution..... Borrowed money/got goods in advance from a farmers organi First Institution..... Borrowed money/got goods in advance from a farmers organi First Institution..... Borrowed money/got goods in advance from a farmers organi First Institution..... Borrowed money/got goods in advance from a farmers organi First Institution..... Borrowed money/got goods in advance from a farmers organi -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money/got goods in advance from a farmers organisation First Institution..... Borrowed money from a church or other community based org First Institution..... Borrowed money from a church or other community based org First Institution..... Borrowed money from a church or other community based org First Institution..... Borrowed money from a church or other community based org First Institution..... Borrowed money from a church or other community based org -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Borrowed money from a church or other community based organisation that you belong to First Institution..... Got goods in advance from a shop/store and had to pay bac First Institution..... Got goods in advance from a shop/store and had to pay bac First Institution..... Got goods in advance from a shop/store and had to pay bac First Institution..... Got goods in advance from a shop/store and had to pay bac First Institution..... Got goods in advance from a shop/store and had to pay bac -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Got goods in advance from a shop/store and had to pay back later First Institution..... Did you borrow money or get goods in advance from any oth First Institution..... Did you borrow money or get goods in advance from any oth First Institution..... Did you borrow money or get goods in advance from any oth First Institution..... Did you borrow money or get goods in advance from any oth First Institution..... Did you borrow money or get goods in advance from any oth -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other First Institution..... Did you borrow money or get goods in advance from any other source that I have not mentioned? From whom/where? S8Q3.1: Why have you not borrowed money? S8Q3.1: Why have you not borrowed money? S8Q3.1: Why have you not borrowed money? S8Q3.1: Why have you not borrowed money? S8Q3.1: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.2: Why have you not borrowed money? S8Q3.2: Why have you not borrowed money? S8Q3.2: Why have you not borrowed money? S8Q3.2: Why have you not borrowed money? S8Q3.2: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.3: Why have you not borrowed money? S8Q3.3: Why have you not borrowed money? S8Q3.3: Why have you not borrowed money? S8Q3.3: Why have you not borrowed money? S8Q3.3: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.4: Why have you not borrowed money? S8Q3.4: Why have you not borrowed money? S8Q3.4: Why have you not borrowed money? S8Q3.4: Why have you not borrowed money? S8Q3.4: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.5: Why have you not borrowed money? S8Q3.5: Why have you not borrowed money? S8Q3.5: Why have you not borrowed money? S8Q3.5: Why have you not borrowed money? S8Q3.5: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.6: Why have you not borrowed money? S8Q3.6: Why have you not borrowed money? S8Q3.6: Why have you not borrowed money? S8Q3.6: Why have you not borrowed money? S8Q3.6: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.7: Why have you not borrowed money? S8Q3.7: Why have you not borrowed money? S8Q3.7: Why have you not borrowed money? S8Q3.7: Why have you not borrowed money? S8Q3.7: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.8: Why have you not borrowed money? S8Q3.8: Why have you not borrowed money? S8Q3.8: Why have you not borrowed money? S8Q3.8: Why have you not borrowed money? S8Q3.8: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.9: Why have you not borrowed money? S8Q3.9: Why have you not borrowed money? S8Q3.9: Why have you not borrowed money? S8Q3.9: Why have you not borrowed money? S8Q3.9: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know S8Q3.10: Why have you not borrowed money? S8Q3.10: Why have you not borrowed money? S8Q3.10: Why have you not borrowed money? S8Q3.10: Why have you not borrowed money? S8Q3.10: Why have you not borrowed money? -9 Missing Data 1 Fear of debts 2 I can pay my living expenses with what I have 3 I am worried that I would not be able to pay back the money 4 Interest charged on borrowed money is too high 5 I do not know where to borrow money 6 I do not want to become a defaulter or be known as a defaulter 7 I do not know how to apply for a loan 8 I do not believe in borrowing money 9 I do not have assets to give as security or collateral 10 I do not have a credit record 11 I do not have an ID document or salary slip 12 I do not trust banks or other lenders 13 I do not want to borrow from moneylenders 14 Borrowing money is shameful or embarrassing to me 15 I am not allowed to borrow money by spouse, by family or other 16 I tried, but have been refused 17 Had no one to borrow from 18 Other specify 19 No specific reason 20 Does not know How did you have to pay the money?...... Medical expenses/medical emergencies How did you have to pay the money?...... Medical expenses/medical emergencies How did you have to pay the money?...... Medical expenses/medical emergencies How did you have to pay the money?...... Medical expenses/medical emergencies How did you have to pay the money?...... Medical expenses/medical emergencies -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... An emergency other than medical How did you have to pay the money?...... An emergency other than medical How did you have to pay the money?...... An emergency other than medical How did you have to pay the money?...... An emergency other than medical How did you have to pay the money?...... An emergency other than medical -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... A wedding or lobola How did you have to pay the money?...... A wedding or lobola How did you have to pay the money?...... A wedding or lobola How did you have to pay the money?...... A wedding or lobola How did you have to pay the money?...... A wedding or lobola -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Funeral expenses How did you have to pay the money?...... Funeral expenses How did you have to pay the money?...... Funeral expenses How did you have to pay the money?...... Funeral expenses How did you have to pay the money?...... Funeral expenses -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Education or school fees (self or other How did you have to pay the money?...... Education or school fees (self or other How did you have to pay the money?...... Education or school fees (self or other How did you have to pay the money?...... Education or school fees (self or other How did you have to pay the money?...... Education or school fees (self or other -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Education or school fees (self or others) How did you have to pay the money?...... Living expenses when you did not have m How did you have to pay the money?...... Living expenses when you did not have m How did you have to pay the money?...... Living expenses when you did not have m How did you have to pay the money?...... Living expenses when you did not have m How did you have to pay the money?...... Living expenses when you did not have m -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Living expenses when you did not have money How did you have to pay the money?...... To pay water/electricity/telephone bill How did you have to pay the money?...... To pay water/electricity/telephone bill How did you have to pay the money?...... To pay water/electricity/telephone bill How did you have to pay the money?...... To pay water/electricity/telephone bill How did you have to pay the money?...... To pay water/electricity/telephone bill -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... To pay water/electricity/telephone bills How did you have to pay the money?...... Farming expenses such as seeds, fertili How did you have to pay the money?...... Farming expenses such as seeds, fertili How did you have to pay the money?...... Farming expenses such as seeds, fertili How did you have to pay the money?...... Farming expenses such as seeds, fertili How did you have to pay the money?...... Farming expenses such as seeds, fertili -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats How did you have to pay the money?...... To buy household goods such as fridge, How did you have to pay the money?...... To buy household goods such as fridge, How did you have to pay the money?...... To buy household goods such as fridge, How did you have to pay the money?...... To buy household goods such as fridge, How did you have to pay the money?...... To buy household goods such as fridge, -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... To buy household goods such as fridge, stove, etc How did you have to pay the money?...... Paying off another debt How did you have to pay the money?...... Paying off another debt How did you have to pay the money?...... Paying off another debt How did you have to pay the money?...... Paying off another debt How did you have to pay the money?...... Paying off another debt -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Buying land How did you have to pay the money?...... Buying land How did you have to pay the money?...... Buying land How did you have to pay the money?...... Buying land How did you have to pay the money?...... Buying land -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Buying or building a dwelling for you t How did you have to pay the money?...... Buying or building a dwelling for you t How did you have to pay the money?...... Buying or building a dwelling for you t How did you have to pay the money?...... Buying or building a dwelling for you t How did you have to pay the money?...... Buying or building a dwelling for you t -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Buying or building a dwelling for you to live in How did you have to pay the money?...... Buying a dwelling or land to rent out How did you have to pay the money?...... Buying a dwelling or land to rent out How did you have to pay the money?...... Buying a dwelling or land to rent out How did you have to pay the money?...... Buying a dwelling or land to rent out How did you have to pay the money?...... Buying a dwelling or land to rent out -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Improving or renovating your dwelling How did you have to pay the money?...... Improving or renovating your dwelling How did you have to pay the money?...... Improving or renovating your dwelling How did you have to pay the money?...... Improving or renovating your dwelling How did you have to pay the money?...... Improving or renovating your dwelling -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Buying household appliances, goods or f How did you have to pay the money?...... Buying household appliances, goods or f How did you have to pay the money?...... Buying household appliances, goods or f How did you have to pay the money?...... Buying household appliances, goods or f How did you have to pay the money?...... Buying household appliances, goods or f -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Buying household appliances, goods or furniture How did you have to pay the money?...... Buying livestock How did you have to pay the money?...... Buying livestock How did you have to pay the money?...... Buying livestock How did you have to pay the money?...... Buying livestock How did you have to pay the money?...... Buying livestock -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Buying farming equipment or implements How did you have to pay the money?...... Buying farming equipment or implements How did you have to pay the money?...... Buying farming equipment or implements How did you have to pay the money?...... Buying farming equipment or implements How did you have to pay the money?...... Buying farming equipment or implements -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Buying farming equipment or implements How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truc How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truc How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truc How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truc How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truc -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Buying a bicycle, motorcycle, car, truck or other transport How did you have to pay the money?...... Starting or expanding your business How did you have to pay the money?...... Starting or expanding your business How did you have to pay the money?...... Starting or expanding your business How did you have to pay the money?...... Starting or expanding your business How did you have to pay the money?...... Starting or expanding your business -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Putting money or goods into someone els How did you have to pay the money?...... Putting money or goods into someone els How did you have to pay the money?...... Putting money or goods into someone els How did you have to pay the money?...... Putting money or goods into someone els How did you have to pay the money?...... Putting money or goods into someone els -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Putting money or goods into someone elses business How did you have to pay the money?...... To take care of a sick relative/relativ How did you have to pay the money?...... To take care of a sick relative/relativ How did you have to pay the money?...... To take care of a sick relative/relativ How did you have to pay the money?...... To take care of a sick relative/relativ How did you have to pay the money?...... To take care of a sick relative/relativ -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... To take care of a sick relative/relatives How did you have to pay the money?...... For another person to use How did you have to pay the money?...... For another person to use How did you have to pay the money?...... For another person to use How did you have to pay the money?...... For another person to use How did you have to pay the money?...... For another person to use -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How did you have to pay the money?...... Other specify How did you have to pay the money?...... Other specify How did you have to pay the money?...... Other specify How did you have to pay the money?...... Other specify How did you have to pay the money?...... Other specify -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back S8Q4B.24: How did you have to pay the money? S8Q4B.24: How did you have to pay the money? S8Q4B.24: How did you have to pay the money? S8Q4B.24: How did you have to pay the money? S8Q4B.24: How did you have to pay the money? -9 Missing Data 1 In cash/in bank account 2 In kind 3 Didn't have to pay back How many months...?... Medical expenses/medical emergencies How many months...?... Medical expenses/medical emergencies How many months...?... Medical expenses/medical emergencies How many months...?... Medical expenses/medical emergencies How many months...?... Medical expenses/medical emergencies -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... An emergency other than medical How many months...?... An emergency other than medical How many months...?... An emergency other than medical How many months...?... An emergency other than medical How many months...?... An emergency other than medical -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... A wedding or lobola How many months...?... A wedding or lobola How many months...?... A wedding or lobola How many months...?... A wedding or lobola How many months...?... A wedding or lobola -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Funeral expenses How many months...?... Funeral expenses How many months...?... Funeral expenses How many months...?... Funeral expenses How many months...?... Funeral expenses -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Education or school fees (self or others) How many months...?... Education or school fees (self or others) How many months...?... Education or school fees (self or others) How many months...?... Education or school fees (self or others) How many months...?... Education or school fees (self or others) -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Living expenses when you did not have money How many months...?... Living expenses when you did not have money How many months...?... Living expenses when you did not have money How many months...?... Living expenses when you did not have money How many months...?... Living expenses when you did not have money -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... To pay water/electricity/telephone bills How many months...?... To pay water/electricity/telephone bills How many months...?... To pay water/electricity/telephone bills How many months...?... To pay water/electricity/telephone bills How many months...?... To pay water/electricity/telephone bills -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Farming expenses such as seeds, fertiliser or land prepar How many months...?... Farming expenses such as seeds, fertiliser or land prepar How many months...?... Farming expenses such as seeds, fertiliser or land prepar How many months...?... Farming expenses such as seeds, fertiliser or land prepar How many months...?... Farming expenses such as seeds, fertiliser or land prepar -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats How many months...?... To buy household goods such as fridge, stove, etc How many months...?... To buy household goods such as fridge, stove, etc How many months...?... To buy household goods such as fridge, stove, etc How many months...?... To buy household goods such as fridge, stove, etc How many months...?... To buy household goods such as fridge, stove, etc -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Paying off another debt How many months...?... Paying off another debt How many months...?... Paying off another debt How many months...?... Paying off another debt How many months...?... Paying off another debt -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Buying land How many months...?... Buying land How many months...?... Buying land How many months...?... Buying land How many months...?... Buying land -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Buying or building a dwelling for you to live in How many months...?... Buying or building a dwelling for you to live in How many months...?... Buying or building a dwelling for you to live in How many months...?... Buying or building a dwelling for you to live in How many months...?... Buying or building a dwelling for you to live in -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Buying a dwelling or land to rent out How many months...?... Buying a dwelling or land to rent out How many months...?... Buying a dwelling or land to rent out How many months...?... Buying a dwelling or land to rent out How many months...?... Buying a dwelling or land to rent out -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Improving or renovating your dwelling How many months...?... Improving or renovating your dwelling How many months...?... Improving or renovating your dwelling How many months...?... Improving or renovating your dwelling How many months...?... Improving or renovating your dwelling -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Buying household appliances, goods or furniture How many months...?... Buying household appliances, goods or furniture How many months...?... Buying household appliances, goods or furniture How many months...?... Buying household appliances, goods or furniture How many months...?... Buying household appliances, goods or furniture -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Buying livestock How many months...?... Buying livestock How many months...?... Buying livestock How many months...?... Buying livestock How many months...?... Buying livestock -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Buying farming equipment or implements How many months...?... Buying farming equipment or implements How many months...?... Buying farming equipment or implements How many months...?... Buying farming equipment or implements How many months...?... Buying farming equipment or implements -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Buying a bicycle, motorcycle, car, truck or other transpo How many months...?... Buying a bicycle, motorcycle, car, truck or other transpo How many months...?... Buying a bicycle, motorcycle, car, truck or other transpo How many months...?... Buying a bicycle, motorcycle, car, truck or other transpo How many months...?... Buying a bicycle, motorcycle, car, truck or other transpo -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Buying a bicycle, motorcycle, car, truck or other transport How many months...?... Starting or expanding your business How many months...?... Starting or expanding your business How many months...?... Starting or expanding your business How many months...?... Starting or expanding your business How many months...?... Starting or expanding your business -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Putting money or goods into someone elses business How many months...?... Putting money or goods into someone elses business How many months...?... Putting money or goods into someone elses business How many months...?... Putting money or goods into someone elses business How many months...?... Putting money or goods into someone elses business -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... To take care of a sick relative/relatives How many months...?... To take care of a sick relative/relatives How many months...?... To take care of a sick relative/relatives How many months...?... To take care of a sick relative/relatives How many months...?... To take care of a sick relative/relatives -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... For another person to use How many months...?... For another person to use How many months...?... For another person to use How many months...?... For another person to use How many months...?... For another person to use -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more How many months...?... Other specify How many months...?... Other specify How many months...?... Other specify How many months...?... Other specify How many months...?... Other specify -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more S8Q4C.24: How many months...? S8Q4C.24: How many months...? S8Q4C.24: How many months...? S8Q4C.24: How many months...? S8Q4C.24: How many months...? -9 Missing Data 1 1 month 2 Betw 1 & 3 months 3 3-6 months 4 Betw 6 & 12 months 5 12 months or more S8Q4EA.1: Why did you miss a payment? S8Q4EA.1: Why did you miss a payment? S8Q4EA.1: Why did you miss a payment? S8Q4EA.1: Why did you miss a payment? S8Q4EA.1: Why did you miss a payment? -9 Missing Data 1 The provider of the loan did not contact me to receive payment, so I decided not to pay 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 would forget 6 I could not get transport 7 My employer did not give me my salary 8 People/institution I supply goods to did not pay me 9 I was sick 10 I lost my job 11 I lost my crop/harvest 12 I lost livestock 13 I was looking after a family member who was sick 14 I did not have the money 15 Other specify 16 Refused S8Q4EA.2: Why did you miss a payment? S8Q4EA.2: Why did you miss a payment? S8Q4EA.2: Why did you miss a payment? S8Q4EA.2: Why did you miss a payment? S8Q4EA.2: Why did you miss a payment? -9 Missing Data 1 The provider of the loan did not contact me to receive payment, so I decided not to pay 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 would forget 6 I could not get transport 7 My employer did not give me my salary 8 People/institution I supply goods to did not pay me 9 I was sick 10 I lost my job 11 I lost my crop/harvest 12 I lost livestock 13 I was looking after a family member who was sick 14 I did not have the money 15 Other specify 16 Refused S8Q4EA.3: Why did you miss a payment? S8Q4EA.3: Why did you miss a payment? S8Q4EA.3: Why did you miss a payment? S8Q4EA.3: Why did you miss a payment? S8Q4EA.3: Why did you miss a payment? -9 Missing Data 1 The provider of the loan did not contact me to receive payment, so I decided not to pay 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 would forget 6 I could not get transport 7 My employer did not give me my salary 8 People/institution I supply goods to did not pay me 9 I was sick 10 I lost my job 11 I lost my crop/harvest 12 I lost livestock 13 I was looking after a family member who was sick 14 I did not have the money 15 Other specify 16 Refused S8Q4EA.4: Why did you miss a payment? S8Q4EA.4: Why did you miss a payment? S8Q4EA.4: Why did you miss a payment? S8Q4EA.4: Why did you miss a payment? S8Q4EA.4: Why did you miss a payment? -9 Missing Data 1 The provider of the loan did not contact me to receive payment, so I decided not to pay 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 would forget 6 I could not get transport 7 My employer did not give me my salary 8 People/institution I supply goods to did not pay me 9 I was sick 10 I lost my job 11 I lost my crop/harvest 12 I lost livestock 13 I was looking after a family member who was sick 14 I did not have the money 15 Other specify 16 Refused S8Q4F.1: What happens if you were to die before the money...repaid? S8Q4F.1: What happens if you were to die before the money...repaid? S8Q4F.1: What happens if you were to die before the money...repaid? S8Q4F.1: What happens if you were to die before the money...repaid? S8Q4F.1: What happens if you were to die before the money...repaid? -9 Missing Data 1 I don't have any debt outstanding 2 I have insurance that will cover the loan 3 My family will have to take care of it 4 My debt gets cleared 5 Other specify 6 I don't know 7 Not applicable S8Q4F.2: What happens if you were to die before the money...repaid? S8Q4F.2: What happens if you were to die before the money...repaid? S8Q4F.2: What happens if you were to die before the money...repaid? S8Q4F.2: What happens if you were to die before the money...repaid? S8Q4F.2: What happens if you were to die before the money...repaid? -9 Missing Data 1 I don't have any debt outstanding 2 I have insurance that will cover the loan 3 My family will have to take care of it 4 My debt gets cleared 5 Other specify 6 I don't know 7 Not applicable S8Q4F.3: What happens if you were to die before the money...repaid? S8Q4F.3: What happens if you were to die before the money...repaid? S8Q4F.3: What happens if you were to die before the money...repaid? S8Q4F.3: What happens if you were to die before the money...repaid? S8Q4F.3: What happens if you were to die before the money...repaid? -9 Missing Data 1 I don't have any debt outstanding 2 I have insurance that will cover the loan 3 My family will have to take care of it 4 My debt gets cleared 5 Other specify 6 I don't know 7 Not applicable S8Q5.1: If you want to borrow money what are things.....to borrow? S8Q5.1: If you want to borrow money what are things.....to borrow? S8Q5.1: If you want to borrow money what are things.....to borrow? S8Q5.1: If you want to borrow money what are things.....to borrow? S8Q5.1: If you want to borrow money what are things.....to borrow? -9 Missing Data 1 Location 2 Quick access to money 3 Easy of application process 4 Collateral/security/guarantees not required 5 No credit history needed 6 Proof of employment not required 7 No down payment 8 Affordable monthly payments 9 Low interest rates 10 Other specify S8Q5.2: If you want to borrow money what are things.....to borrow? S8Q5.2: If you want to borrow money what are things.....to borrow? S8Q5.2: If you want to borrow money what are things.....to borrow? S8Q5.2: If you want to borrow money what are things.....to borrow? S8Q5.2: If you want to borrow money what are things.....to borrow? -9 Missing Data 1 Location 2 Quick access to money 3 Easy of application process 4 Collateral/security/guarantees not required 5 No credit history needed 6 Proof of employment not required 7 No down payment 8 Affordable monthly payments 9 Low interest rates 10 Other specify S8Q5.3: If you want to borrow money what are things.....to borrow? S8Q5.3: If you want to borrow money what are things.....to borrow? S8Q5.3: If you want to borrow money what are things.....to borrow? S8Q5.3: If you want to borrow money what are things.....to borrow? S8Q5.3: If you want to borrow money what are things.....to borrow? -9 Missing Data 1 Location 2 Quick access to money 3 Easy of application process 4 Collateral/security/guarantees not required 5 No credit history needed 6 Proof of employment not required 7 No down payment 8 Affordable monthly payments 9 Low interest rates 10 Other specify S8Q5.4: If you want to borrow money what are things.....to borrow? S8Q5.4: If you want to borrow money what are things.....to borrow? S8Q5.4: If you want to borrow money what are things.....to borrow? S8Q5.4: If you want to borrow money what are things.....to borrow? S8Q5.4: If you want to borrow money what are things.....to borrow? -9 Missing Data 1 Location 2 Quick access to money 3 Easy of application process 4 Collateral/security/guarantees not required 5 No credit history needed 6 Proof of employment not required 7 No down payment 8 Affordable monthly payments 9 Low interest rates 10 Other specify S8Q5.5: If you want to borrow money what are things.....to borrow? S8Q5.5: If you want to borrow money what are things.....to borrow? S8Q5.5: If you want to borrow money what are things.....to borrow? S8Q5.5: If you want to borrow money what are things.....to borrow? S8Q5.5: If you want to borrow money what are things.....to borrow? -9 Missing Data 1 Location 2 Quick access to money 3 Easy of application process 4 Collateral/security/guarantees not required 5 No credit history needed 6 Proof of employment not required 7 No down payment 8 Affordable monthly payments 9 Low interest rates 10 Other specify S8Q5.6: If you want to borrow money what are things.....to borrow? S8Q5.6: If you want to borrow money what are things.....to borrow? S8Q5.6: If you want to borrow money what are things.....to borrow? S8Q5.6: If you want to borrow money what are things.....to borrow? S8Q5.6: If you want to borrow money what are things.....to borrow? -9 Missing Data 1 Location 2 Quick access to money 3 Easy of application process 4 Collateral/security/guarantees not required 5 No credit history needed 6 Proof of employment not required 7 No down payment 8 Affordable monthly payments 9 Low interest rates 10 Other specify S8Q5.7: If you want to borrow money what are things.....to borrow? S8Q5.7: If you want to borrow money what are things.....to borrow? S8Q5.7: If you want to borrow money what are things.....to borrow? S8Q5.7: If you want to borrow money what are things.....to borrow? S8Q5.7: If you want to borrow money what are things.....to borrow? -9 Missing Data 1 Location 2 Quick access to money 3 Easy of application process 4 Collateral/security/guarantees not required 5 No credit history needed 6 Proof of employment not required 7 No down payment 8 Affordable monthly payments 9 Low interest rates 10 Other specify S8Q5.8: If you want to borrow money what are things.....to borrow? S8Q5.8: If you want to borrow money what are things.....to borrow? S8Q5.8: If you want to borrow money what are things.....to borrow? S8Q5.8: If you want to borrow money what are things.....to borrow? S8Q5.8: If you want to borrow money what are things.....to borrow? -9 Missing Data 1 Location 2 Quick access to money 3 Easy of application process 4 Collateral/security/guarantees not required 5 No credit history needed 6 Proof of employment not required 7 No down payment 8 Affordable monthly payments 9 Low interest rates 10 Other specify S8Q6A.1: What was the reason for refusing you loan? S8Q6A.1: What was the reason for refusing you loan? S8Q6A.1: What was the reason for refusing you loan? S8Q6A.1: What was the reason for refusing you loan? S8Q6A.1: What was the reason for refusing you loan? -9 Missing Data 1 I did not have a down payment 2 I did not have a bank account 3 I did not have a credit history/references 4 I do not have an identity document 5 I do not have proof of a permanent address 6 I don't have a pay slip 7 My income is too low 8 I do not have formal employment 9 I have too many other debts 10 Cannot provide security/collateral 11 Don't know 12 Other specify S8Q6A.2: What was the reason for refusing you loan? S8Q6A.2: What was the reason for refusing you loan? S8Q6A.2: What was the reason for refusing you loan? S8Q6A.2: What was the reason for refusing you loan? S8Q6A.2: What was the reason for refusing you loan? -9 Missing Data 1 I did not have a down payment 2 I did not have a bank account 3 I did not have a credit history/references 4 I do not have an identity document 5 I do not have proof of a permanent address 6 I don't have a pay slip 7 My income is too low 8 I do not have formal employment 9 I have too many other debts 10 Cannot provide security/collateral 11 Don't know 12 Other specify S8Q6A.3: What was the reason for refusing you loan? S8Q6A.3: What was the reason for refusing you loan? S8Q6A.3: What was the reason for refusing you loan? S8Q6A.3: What was the reason for refusing you loan? S8Q6A.3: What was the reason for refusing you loan? -9 Missing Data 1 I did not have a down payment 2 I did not have a bank account 3 I did not have a credit history/references 4 I do not have an identity document 5 I do not have proof of a permanent address 6 I don't have a pay slip 7 My income is too low 8 I do not have formal employment 9 I have too many other debts 10 Cannot provide security/collateral 11 Don't know 12 Other specify Do you have any other type of account I have not mentioned? Do you have any other type of account I have not mentioned? Do you have any other type of account I have not mentioned? Do you have any other type of account I have not mentioned? Do you have any other type of account I have not mentioned? -9 Missing Data 1 Yes 2 No 9.2.2. Do you currently have a bank account in your name 9.2.2. Do you currently have a bank account in your name 9.2.2. Do you currently have a bank account in your name 9.2.2. Do you currently have a bank account in your name 9.2.2. Do you currently have a bank account in your name -9 Missing Data 1 Yes 2 No 9.2.2. is this Acount(s) 9.2.2. is this Acount(s) 9.2.2. is this Acount(s) 9.2.2. is this Acount(s) 9.2.2. is this Acount(s) -9 Missing Data 1 In your name 2 In your name and your spouse/patnener names jointly 3 In your name and someone else'name jointly 4 A group account through a farmers association/ community organisation 5 other specify 9.2.3 Are you using someone else's bank account 9.2.3 Are you using someone else's bank account 9.2.3 Are you using someone else's bank account 9.2.3 Are you using someone else's bank account 9.2.3 Are you using someone else's bank account -9 Missing Data 1 Yes 2 No If you are not employed in the formal sector you cannot open a bank account If you are not employed in the formal sector you cannot open a bank account If you are not employed in the formal sector you cannot open a bank account If you are not employed in the formal sector you cannot open a bank account If you are not employed in the formal sector you cannot open a bank account -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable If you don't understand technology you cant get a bank account If you don't understand technology you cant get a bank account If you don't understand technology you cant get a bank account If you don't understand technology you cant get a bank account If you don't understand technology you cant get a bank account -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable Having a bank account makes it easier to get credit Having a bank account makes it easier to get credit Having a bank account makes it easier to get credit Having a bank account makes it easier to get credit Having a bank account makes it easier to get credit -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable You can easily live your life without a bank account You can easily live your life without a bank account You can easily live your life without a bank account You can easily live your life without a bank account You can easily live your life without a bank account -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable When you receive your bank statement you check the details When you receive your bank statement you check the details When you receive your bank statement you check the details When you receive your bank statement you check the details When you receive your bank statement you check the details -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable You would change your bank account if another bank offers better products You would change your bank account if another bank offers better products You would change your bank account if another bank offers better products You would change your bank account if another bank offers better products You would change your bank account if another bank offers better products -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable You always look around where you can find the best interest rates You always look around where you can find the best interest rates You always look around where you can find the best interest rates You always look around where you can find the best interest rates You always look around where you can find the best interest rates -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable Most services from banks are also offered elsewhere Most services from banks are also offered elsewhere Most services from banks are also offered elsewhere Most services from banks are also offered elsewhere Most services from banks are also offered elsewhere -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable Banks try to understand your needs and offer products that meet them Banks try to understand your needs and offer products that meet them Banks try to understand your needs and offer products that meet them Banks try to understand your needs and offer products that meet them Banks try to understand your needs and offer products that meet them -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable You trust banks with your money You trust banks with your money You trust banks with your money You trust banks with your money You trust banks with your money -9 Missing Data 1 True 2 Not true 3 Don't know 4 Not applicable Third Institution Third Institution Third Institution Third Institution Third Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other 9.2 Product status.... ATM / Cashpoint Card 9.2 Product status.... ATM / Cashpoint Card 9.2 Product status.... ATM / Cashpoint Card 9.2 Product status.... ATM / Cashpoint Card 9.2 Product status.... ATM / Cashpoint Card -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Debit Card / Connect Card 9.2 Product status.... Debit Card / Connect Card 9.2 Product status.... Debit Card / Connect Card 9.2 Product status.... Debit Card / Connect Card 9.2 Product status.... Debit Card / Connect Card -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Current/Cheque Account 9.2 Product status.... Current/Cheque Account 9.2 Product status.... Current/Cheque Account 9.2 Product status.... Current/Cheque Account 9.2 Product status.... Current/Cheque Account -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Savings Account 9.2 Product status.... Savings Account 9.2 Product status.... Savings Account 9.2 Product status.... Savings Account 9.2 Product status.... Savings Account -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Fixed Deposit Account 9.2 Product status.... Fixed Deposit Account 9.2 Product status.... Fixed Deposit Account 9.2 Product status.... Fixed Deposit Account 9.2 Product status.... Fixed Deposit Account -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Notice Deposit Account/Call Account 9.2 Product status.... Notice Deposit Account/Call Account 9.2 Product status.... Notice Deposit Account/Call Account 9.2 Product status.... Notice Deposit Account/Call Account 9.2 Product status.... Notice Deposit Account/Call Account -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Visa Electron Account 9.2 Product status.... Visa Electron Account 9.2 Product status.... Visa Electron Account 9.2 Product status.... Visa Electron Account 9.2 Product status.... Visa Electron Account -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Unit Trust Account 9.2 Product status.... Unit Trust Account 9.2 Product status.... Unit Trust Account 9.2 Product status.... Unit Trust Account 9.2 Product status.... Unit Trust Account -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... High Interest Savings Account 9.2 Product status.... High Interest Savings Account 9.2 Product status.... High Interest Savings Account 9.2 Product status.... High Interest Savings Account 9.2 Product status.... High Interest Savings Account -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Foreign currency account (eg Dollar account or Pound acco 9.2 Product status.... Foreign currency account (eg Dollar account or Pound acco 9.2 Product status.... Foreign currency account (eg Dollar account or Pound acco 9.2 Product status.... Foreign currency account (eg Dollar account or Pound acco 9.2 Product status.... Foreign currency account (eg Dollar account or Pound acco -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Foreign currency account (eg Dollar account or Pound account or Euro account or Rand account etc) 9.2 Product status.... Bank Account outside of Zambia 9.2 Product status.... Bank Account outside of Zambia 9.2 Product status.... Bank Account outside of Zambia 9.2 Product status.... Bank Account outside of Zambia 9.2 Product status.... Bank Account outside of Zambia -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Credit Card 9.2 Product status.... Credit Card 9.2 Product status.... Credit Card 9.2 Product status.... Credit Card 9.2 Product status.... Credit Card -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Bank overdraft 9.2 Product status.... Bank overdraft 9.2 Product status.... Bank overdraft 9.2 Product status.... Bank overdraft 9.2 Product status.... Bank overdraft -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Standing Order 9.2 Product status.... Standing Order 9.2 Product status.... Standing Order 9.2 Product status.... Standing Order 9.2 Product status.... Standing Order -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Loan account 9.2 Product status.... Loan account 9.2 Product status.... Loan account 9.2 Product status.... Loan account 9.2 Product status.... Loan account -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Internet banking 9.2 Product status.... Internet banking 9.2 Product status.... Internet banking 9.2 Product status.... Internet banking 9.2 Product status.... Internet banking -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never 9.2 Product status.... Cell phone banking 9.2 Product status.... Cell phone banking 9.2 Product status.... Cell phone banking 9.2 Product status.... Cell phone banking 9.2 Product status.... Cell phone banking -9 Missing Data 1 Have and use 2 Have but don't use 3 Had in the past but not now 4 Never first Institution... ATM / Cashpoint Card first Institution... ATM / Cashpoint Card first Institution... ATM / Cashpoint Card first Institution... ATM / Cashpoint Card first Institution... ATM / Cashpoint Card -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Debit Card / Connect Card first Institution... Debit Card / Connect Card first Institution... Debit Card / Connect Card first Institution... Debit Card / Connect Card first Institution... Debit Card / Connect Card -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Current/Cheque Account first Institution... Current/Cheque Account first Institution... Current/Cheque Account first Institution... Current/Cheque Account first Institution... Current/Cheque Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Savings Account first Institution... Savings Account first Institution... Savings Account first Institution... Savings Account first Institution... Savings Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Fixed Deposit Account first Institution... Fixed Deposit Account first Institution... Fixed Deposit Account first Institution... Fixed Deposit Account first Institution... Fixed Deposit Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Notice Deposit Account/Call Account first Institution... Notice Deposit Account/Call Account first Institution... Notice Deposit Account/Call Account first Institution... Notice Deposit Account/Call Account first Institution... Notice Deposit Account/Call Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Visa Electron Account first Institution... Visa Electron Account first Institution... Visa Electron Account first Institution... Visa Electron Account first Institution... Visa Electron Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Unit Trust Account first Institution... Unit Trust Account first Institution... Unit Trust Account first Institution... Unit Trust Account first Institution... Unit Trust Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... High Interest Savings Account first Institution... High Interest Savings Account first Institution... High Interest Savings Account first Institution... High Interest Savings Account first Institution... High Interest Savings Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Foreign currency account (eg Dollar account or Pound accoun first Institution... Foreign currency account (eg Dollar account or Pound accoun first Institution... Foreign currency account (eg Dollar account or Pound accoun first Institution... Foreign currency account (eg Dollar account or Pound accoun first Institution... Foreign currency account (eg Dollar account or Pound accoun -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Foreign currency account (eg Dollar account or Pound account or Euro account or Rand account etc) first Institution... Bank Account outside of Zambia first Institution... Bank Account outside of Zambia first Institution... Bank Account outside of Zambia first Institution... Bank Account outside of Zambia first Institution... Bank Account outside of Zambia -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Credit Card first Institution... Credit Card first Institution... Credit Card first Institution... Credit Card first Institution... Credit Card -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Bank overdraft first Institution... Bank overdraft first Institution... Bank overdraft first Institution... Bank overdraft first Institution... Bank overdraft -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Standing Order first Institution... Standing Order first Institution... Standing Order first Institution... Standing Order first Institution... Standing Order -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Loan account first Institution... Loan account first Institution... Loan account first Institution... Loan account first Institution... Loan account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Internet banking first Institution... Internet banking first Institution... Internet banking first Institution... Internet banking first Institution... Internet banking -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other first Institution... Cell phone banking first Institution... Cell phone banking first Institution... Cell phone banking first Institution... Cell phone banking first Institution... Cell phone banking -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... ATM / Cashpoint Card Second Institution.... ATM / Cashpoint Card Second Institution.... ATM / Cashpoint Card Second Institution.... ATM / Cashpoint Card Second Institution.... ATM / Cashpoint Card -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Debit Card / Connect Card Second Institution.... Debit Card / Connect Card Second Institution.... Debit Card / Connect Card Second Institution.... Debit Card / Connect Card Second Institution.... Debit Card / Connect Card -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Current/Cheque Account Second Institution.... Current/Cheque Account Second Institution.... Current/Cheque Account Second Institution.... Current/Cheque Account Second Institution.... Current/Cheque Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Savings Account Second Institution.... Savings Account Second Institution.... Savings Account Second Institution.... Savings Account Second Institution.... Savings Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Fixed Deposit Account Second Institution.... Fixed Deposit Account Second Institution.... Fixed Deposit Account Second Institution.... Fixed Deposit Account Second Institution.... Fixed Deposit Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Notice Deposit Account/Call Account Second Institution.... Notice Deposit Account/Call Account Second Institution.... Notice Deposit Account/Call Account Second Institution.... Notice Deposit Account/Call Account Second Institution.... Notice Deposit Account/Call Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Visa Electron Account Second Institution.... Visa Electron Account Second Institution.... Visa Electron Account Second Institution.... Visa Electron Account Second Institution.... Visa Electron Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Unit Trust Account Second Institution.... Unit Trust Account Second Institution.... Unit Trust Account Second Institution.... Unit Trust Account Second Institution.... Unit Trust Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... High Interest Savings Account Second Institution.... High Interest Savings Account Second Institution.... High Interest Savings Account Second Institution.... High Interest Savings Account Second Institution.... High Interest Savings Account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Foreign currency account (eg Dollar account or Pound acco Second Institution.... Foreign currency account (eg Dollar account or Pound acco Second Institution.... Foreign currency account (eg Dollar account or Pound acco Second Institution.... Foreign currency account (eg Dollar account or Pound acco Second Institution.... Foreign currency account (eg Dollar account or Pound acco -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Foreign currency account (eg Dollar account or Pound account or Euro account or Rand account etc) Second Institution.... Bank Account outside of Zambia Second Institution.... Bank Account outside of Zambia Second Institution.... Bank Account outside of Zambia Second Institution.... Bank Account outside of Zambia Second Institution.... Bank Account outside of Zambia -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Credit Card Second Institution.... Credit Card Second Institution.... Credit Card Second Institution.... Credit Card Second Institution.... Credit Card -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Bank overdraft Second Institution.... Bank overdraft Second Institution.... Bank overdraft Second Institution.... Bank overdraft Second Institution.... Bank overdraft -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Standing Order Second Institution.... Standing Order Second Institution.... Standing Order Second Institution.... Standing Order Second Institution.... Standing Order -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Loan account Second Institution.... Loan account Second Institution.... Loan account Second Institution.... Loan account Second Institution.... Loan account -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Internet banking Second Institution.... Internet banking Second Institution.... Internet banking Second Institution.... Internet banking Second Institution.... Internet banking -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution.... Cell phone banking Second Institution.... Cell phone banking Second Institution.... Cell phone banking Second Institution.... Cell phone banking Second Institution.... Cell phone banking -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other S9Q2CA.1: Whose account are you using? S9Q2CA.1: Whose account are you using? S9Q2CA.1: Whose account are you using? S9Q2CA.1: Whose account are you using? S9Q2CA.1: Whose account are you using? -9 Missing Data 1 Your spouse / partner's account 2 Your child's account 3 Your parent's account 4 Account of another family member 5 Account of a neighbour/friend 6 Account of savings club eg Chilimba, ROSCA 7 Account of a community organisation/church 8 Other specify 9 Don't know S9Q2CA.2: Whose account are you using? S9Q2CA.2: Whose account are you using? S9Q2CA.2: Whose account are you using? S9Q2CA.2: Whose account are you using? S9Q2CA.2: Whose account are you using? -9 Missing Data 1 Your spouse / partner's account 2 Your child's account 3 Your parent's account 4 Account of another family member 5 Account of a neighbour/friend 6 Account of savings club eg Chilimba, ROSCA 7 Account of a community organisation/church 8 Other specify 9 Don't know S9Q2D.1: Reasons why people often do not have a bank account or use b S9Q2D.1: Reasons why people often do not have a bank account or use b S9Q2D.1: Reasons why people often do not have a bank account or use b S9Q2D.1: Reasons why people often do not have a bank account or use b S9Q2D.1: Reasons why people often do not have a bank account or use b -9 Missing Data 1 Does not need it - Insufficient or no money coming it to justify it 2 Income coming in, but insufficient balance after expenses 3 Cannot maintain the minimum balance 4 Bank service charges are too high 5 Banks are too far away or transport too difficult 6 Banking hours are not convenient 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 8 Does not understand how banks work 9 Does not understand the financial language used in banks 10 Does not know how to apply 11 Does not understand benefits from having a bank account 12 Does not trust banks 13 Bank accounts are not for people like 'me' 14 Fears embarrassment or refusals 15 Banks do not provide the products or services needed 16 Can get services needed elsewhere in the community 17 Need permission of someone else to open it 18 Other specify 19 Does not know S9Q2D.2: Reasons why people often do not have a bank account or use b S9Q2D.2: Reasons why people often do not have a bank account or use b S9Q2D.2: Reasons why people often do not have a bank account or use b S9Q2D.2: Reasons why people often do not have a bank account or use b S9Q2D.2: Reasons why people often do not have a bank account or use b -9 Missing Data 1 Does not need it - Insufficient or no money coming it to justify it 2 Income coming in, but insufficient balance after expenses 3 Cannot maintain the minimum balance 4 Bank service charges are too high 5 Banks are too far away or transport too difficult 6 Banking hours are not convenient 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 8 Does not understand how banks work 9 Does not understand the financial language used in banks 10 Does not know how to apply 11 Does not understand benefits from having a bank account 12 Does not trust banks 13 Bank accounts are not for people like 'me' 14 Fears embarrassment or refusals 15 Banks do not provide the products or services needed 16 Can get services needed elsewhere in the community 17 Need permission of someone else to open it 18 Other specify 19 Does not know S9Q2D.3: Reasons why people often do not have a bank account or use b S9Q2D.3: Reasons why people often do not have a bank account or use b S9Q2D.3: Reasons why people often do not have a bank account or use b S9Q2D.3: Reasons why people often do not have a bank account or use b S9Q2D.3: Reasons why people often do not have a bank account or use b -9 Missing Data 1 Does not need it - Insufficient or no money coming it to justify it 2 Income coming in, but insufficient balance after expenses 3 Cannot maintain the minimum balance 4 Bank service charges are too high 5 Banks are too far away or transport too difficult 6 Banking hours are not convenient 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 8 Does not understand how banks work 9 Does not understand the financial language used in banks 10 Does not know how to apply 11 Does not understand benefits from having a bank account 12 Does not trust banks 13 Bank accounts are not for people like 'me' 14 Fears embarrassment or refusals 15 Banks do not provide the products or services needed 16 Can get services needed elsewhere in the community 17 Need permission of someone else to open it 18 Other specify 19 Does not know S9Q2D.4: Reasons why people often do not have a bank account or use b S9Q2D.4: Reasons why people often do not have a bank account or use b S9Q2D.4: Reasons why people often do not have a bank account or use b S9Q2D.4: Reasons why people often do not have a bank account or use b S9Q2D.4: Reasons why people often do not have a bank account or use b -9 Missing Data 1 Does not need it - Insufficient or no money coming it to justify it 2 Income coming in, but insufficient balance after expenses 3 Cannot maintain the minimum balance 4 Bank service charges are too high 5 Banks are too far away or transport too difficult 6 Banking hours are not convenient 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 8 Does not understand how banks work 9 Does not understand the financial language used in banks 10 Does not know how to apply 11 Does not understand benefits from having a bank account 12 Does not trust banks 13 Bank accounts are not for people like 'me' 14 Fears embarrassment or refusals 15 Banks do not provide the products or services needed 16 Can get services needed elsewhere in the community 17 Need permission of someone else to open it 18 Other specify 19 Does not know S9Q2D.5: Reasons why people often do not have a bank account or use b S9Q2D.5: Reasons why people often do not have a bank account or use b S9Q2D.5: Reasons why people often do not have a bank account or use b S9Q2D.5: Reasons why people often do not have a bank account or use b S9Q2D.5: Reasons why people often do not have a bank account or use b -9 Missing Data 1 Does not need it - Insufficient or no money coming it to justify it 2 Income coming in, but insufficient balance after expenses 3 Cannot maintain the minimum balance 4 Bank service charges are too high 5 Banks are too far away or transport too difficult 6 Banking hours are not convenient 7 Does not have an ID document or salary slip or letter from the Chief to be able to open an account 8 Does not understand how banks work 9 Does not understand the financial language used in banks 10 Does not know how to apply 11 Does not understand benefits from having a bank account 12 Does not trust banks 13 Bank accounts are not for people like 'me' 14 Fears embarrassment or refusals 15 Banks do not provide the products or services needed 16 Can get services needed elsewhere in the community 17 Need permission of someone else to open it 18 Other specify 19 Does not know Transaction..... Cash a cheque Transaction..... Cash a cheque Transaction..... Cash a cheque Transaction..... Cash a cheque Transaction..... Cash a cheque -9 Missing Data 1 Yes 2 No Transaction..... Deposit cash into a bank account Transaction..... Deposit cash into a bank account Transaction..... Deposit cash into a bank account Transaction..... Deposit cash into a bank account Transaction..... Deposit cash into a bank account -9 Missing Data 1 Yes 2 No Transaction..... Deposit a cheque into bank account Transaction..... Deposit a cheque into bank account Transaction..... Deposit a cheque into bank account Transaction..... Deposit a cheque into bank account Transaction..... Deposit a cheque into bank account -9 Missing Data 1 Yes 2 No Transaction..... Cash withdrawal from a bank account Transaction..... Cash withdrawal from a bank account Transaction..... Cash withdrawal from a bank account Transaction..... Cash withdrawal from a bank account Transaction..... Cash withdrawal from a bank account -9 Missing Data 1 Yes 2 No Transaction..... Paid people/bills per cheque Transaction..... Paid people/bills per cheque Transaction..... Paid people/bills per cheque Transaction..... Paid people/bills per cheque Transaction..... Paid people/bills per cheque -9 Missing Data 1 Yes 2 No Transaction..... Used cash point/ATM Transaction..... Used cash point/ATM Transaction..... Used cash point/ATM Transaction..... Used cash point/ATM Transaction..... Used cash point/ATM -9 Missing Data 1 Yes 2 No Transaction..... Money transfers between your own bank accounts Transaction..... Money transfers between your own bank accounts Transaction..... Money transfers between your own bank accounts Transaction..... Money transfers between your own bank accounts Transaction..... Money transfers between your own bank accounts -9 Missing Data 1 Yes 2 No Transaction..... Money transfer to another person's bank account Transaction..... Money transfer to another person's bank account Transaction..... Money transfer to another person's bank account Transaction..... Money transfer to another person's bank account Transaction..... Money transfer to another person's bank account -9 Missing Data 1 Yes 2 No Transaction..... Received money from someone in a bank account Transaction..... Received money from someone in a bank account Transaction..... Received money from someone in a bank account Transaction..... Received money from someone in a bank account Transaction..... Received money from someone in a bank account -9 Missing Data 1 Yes 2 No Transaction..... Set up a debit order Transaction..... Set up a debit order Transaction..... Set up a debit order Transaction..... Set up a debit order Transaction..... Set up a debit order -9 Missing Data 1 Yes 2 No Transaction..... Set up a stop order Transaction..... Set up a stop order Transaction..... Set up a stop order Transaction..... Set up a stop order Transaction..... Set up a stop order -9 Missing Data 1 Yes 2 No Transaction..... Draw a bank cheque Transaction..... Draw a bank cheque Transaction..... Draw a bank cheque Transaction..... Draw a bank cheque Transaction..... Draw a bank cheque -9 Missing Data 1 Yes 2 No Transaction..... Get a bank statement Transaction..... Get a bank statement Transaction..... Get a bank statement Transaction..... Get a bank statement Transaction..... Get a bank statement -9 Missing Data 1 Yes 2 No Transaction..... Internet banking transaction Transaction..... Internet banking transaction Transaction..... Internet banking transaction Transaction..... Internet banking transaction Transaction..... Internet banking transaction -9 Missing Data 1 Yes 2 No Transaction..... Mobile banking transaction Transaction..... Mobile banking transaction Transaction..... Mobile banking transaction Transaction..... Mobile banking transaction Transaction..... Mobile banking transaction -9 Missing Data 1 Yes 2 No Where did you do this..... Cash a cheque Where did you do this..... Cash a cheque Where did you do this..... Cash a cheque Where did you do this..... Cash a cheque Where did you do this..... Cash a cheque -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Deposit cash into a bank account Where did you do this..... Deposit cash into a bank account Where did you do this..... Deposit cash into a bank account Where did you do this..... Deposit cash into a bank account Where did you do this..... Deposit cash into a bank account -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Deposit a cheque into bank account Where did you do this..... Deposit a cheque into bank account Where did you do this..... Deposit a cheque into bank account Where did you do this..... Deposit a cheque into bank account Where did you do this..... Deposit a cheque into bank account -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Cash withdrawal from a bank account Where did you do this..... Cash withdrawal from a bank account Where did you do this..... Cash withdrawal from a bank account Where did you do this..... Cash withdrawal from a bank account Where did you do this..... Cash withdrawal from a bank account -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Paid people/bills per cheque Where did you do this..... Paid people/bills per cheque Where did you do this..... Paid people/bills per cheque Where did you do this..... Paid people/bills per cheque Where did you do this..... Paid people/bills per cheque -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Used cash point/ATM Where did you do this..... Used cash point/ATM Where did you do this..... Used cash point/ATM Where did you do this..... Used cash point/ATM Where did you do this..... Used cash point/ATM -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Money transfers between your own bank accounts Where did you do this..... Money transfers between your own bank accounts Where did you do this..... Money transfers between your own bank accounts Where did you do this..... Money transfers between your own bank accounts Where did you do this..... Money transfers between your own bank accounts -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Money transfer to another person's bank account Where did you do this..... Money transfer to another person's bank account Where did you do this..... Money transfer to another person's bank account Where did you do this..... Money transfer to another person's bank account Where did you do this..... Money transfer to another person's bank account -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Received money from someone in a bank account Where did you do this..... Received money from someone in a bank account Where did you do this..... Received money from someone in a bank account Where did you do this..... Received money from someone in a bank account Where did you do this..... Received money from someone in a bank account -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Set up a debit order Where did you do this..... Set up a debit order Where did you do this..... Set up a debit order Where did you do this..... Set up a debit order Where did you do this..... Set up a debit order -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Set up a stop order Where did you do this..... Set up a stop order Where did you do this..... Set up a stop order Where did you do this..... Set up a stop order Where did you do this..... Set up a stop order -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Draw a bank cheque Where did you do this..... Draw a bank cheque Where did you do this..... Draw a bank cheque Where did you do this..... Draw a bank cheque Where did you do this..... Draw a bank cheque -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Get a bank statement Where did you do this..... Get a bank statement Where did you do this..... Get a bank statement Where did you do this..... Get a bank statement Where did you do this..... Get a bank statement -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Internet banking transaction Where did you do this..... Internet banking transaction Where did you do this..... Internet banking transaction Where did you do this..... Internet banking transaction Where did you do this..... Internet banking transaction -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM Where did you do this..... Mobile banking transaction Where did you do this..... Mobile banking transaction Where did you do this..... Mobile banking transaction Where did you do this..... Mobile banking transaction Where did you do this..... Mobile banking transaction -9 Missing Data 1 Bank branch 2 atm 3 Both Bank branch and ATM S9Q4.1: What do you think are the advantages of using a bank account S9Q4.1: What do you think are the advantages of using a bank account S9Q4.1: What do you think are the advantages of using a bank account S9Q4.1: What do you think are the advantages of using a bank account S9Q4.1: What do you think are the advantages of using a bank account -9 Missing Data 1 Salaries can be deposited by employers 2 Easy way of receiving money from others 3 Safe way of receiving money from others 4 Easy way of sending money to others 5 Safe way of sending money to others 6 Money is safe from theft 7 Helps you to get access to loans 8 You get interest on savings 9 Other specify 10 Don't know 11 None - no advantages S9Q4.2: What do you think are the advantages of using a bank account S9Q4.2: What do you think are the advantages of using a bank account S9Q4.2: What do you think are the advantages of using a bank account S9Q4.2: What do you think are the advantages of using a bank account S9Q4.2: What do you think are the advantages of using a bank account -9 Missing Data 1 Salaries can be deposited by employers 2 Easy way of receiving money from others 3 Safe way of receiving money from others 4 Easy way of sending money to others 5 Safe way of sending money to others 6 Money is safe from theft 7 Helps you to get access to loans 8 You get interest on savings 9 Other specify 10 Don't know 11 None - no advantages S9Q4.3: What do you think are the advantages of using a bank account S9Q4.3: What do you think are the advantages of using a bank account S9Q4.3: What do you think are the advantages of using a bank account S9Q4.3: What do you think are the advantages of using a bank account S9Q4.3: What do you think are the advantages of using a bank account -9 Missing Data 1 Salaries can be deposited by employers 2 Easy way of receiving money from others 3 Safe way of receiving money from others 4 Easy way of sending money to others 5 Safe way of sending money to others 6 Money is safe from theft 7 Helps you to get access to loans 8 You get interest on savings 9 Other specify 10 Don't know 11 None - no advantages S9Q4.4: What do you think are the advantages of using a bank account S9Q4.4: What do you think are the advantages of using a bank account S9Q4.4: What do you think are the advantages of using a bank account S9Q4.4: What do you think are the advantages of using a bank account S9Q4.4: What do you think are the advantages of using a bank account -9 Missing Data 1 Salaries can be deposited by employers 2 Easy way of receiving money from others 3 Safe way of receiving money from others 4 Easy way of sending money to others 5 Safe way of sending money to others 6 Money is safe from theft 7 Helps you to get access to loans 8 You get interest on savings 9 Other specify 10 Don't know 11 None - no advantages S9Q4.5: What do you think are the advantages of using a bank account S9Q4.5: What do you think are the advantages of using a bank account S9Q4.5: What do you think are the advantages of using a bank account S9Q4.5: What do you think are the advantages of using a bank account S9Q4.5: What do you think are the advantages of using a bank account -9 Missing Data 1 Salaries can be deposited by employers 2 Easy way of receiving money from others 3 Safe way of receiving money from others 4 Easy way of sending money to others 5 Safe way of sending money to others 6 Money is safe from theft 7 Helps you to get access to loans 8 You get interest on savings 9 Other specify 10 Don't know 11 None - no advantages S9Q4.6: What do you think are the advantages of using a bank account S9Q4.6: What do you think are the advantages of using a bank account S9Q4.6: What do you think are the advantages of using a bank account S9Q4.6: What do you think are the advantages of using a bank account S9Q4.6: What do you think are the advantages of using a bank account -9 Missing Data 1 Salaries can be deposited by employers 2 Easy way of receiving money from others 3 Safe way of receiving money from others 4 Easy way of sending money to others 5 Safe way of sending money to others 6 Money is safe from theft 7 Helps you to get access to loans 8 You get interest on savings 9 Other specify 10 Don't know 11 None - no advantages S9Q4.7: What do you think are the advantages of using a bank account S9Q4.7: What do you think are the advantages of using a bank account S9Q4.7: What do you think are the advantages of using a bank account S9Q4.7: What do you think are the advantages of using a bank account S9Q4.7: What do you think are the advantages of using a bank account -9 Missing Data 1 Salaries can be deposited by employers 2 Easy way of receiving money from others 3 Safe way of receiving money from others 4 Easy way of sending money to others 5 Safe way of sending money to others 6 Money is safe from theft 7 Helps you to get access to loans 8 You get interest on savings 9 Other specify 10 Don't know 11 None - no advantages S9Q4.8: What do you think are the advantages of using a bank account S9Q4.8: What do you think are the advantages of using a bank account S9Q4.8: What do you think are the advantages of using a bank account S9Q4.8: What do you think are the advantages of using a bank account S9Q4.8: What do you think are the advantages of using a bank account -9 Missing Data 1 Salaries can be deposited by employers 2 Easy way of receiving money from others 3 Safe way of receiving money from others 4 Easy way of sending money to others 5 Safe way of sending money to others 6 Money is safe from theft 7 Helps you to get access to loans 8 You get interest on savings 9 Other specify 10 Don't know 11 None - no advantages During the past 12 months have you used the services of micr During the past 12 months have you used the services of micr During the past 12 months have you used the services of micr During the past 12 months have you used the services of micr During the past 12 months have you used the services of micr -9 Missing Data 1 Yes 2 No First Institution First Institution First Institution First Institution First Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Second Institution Second Institution Second Institution Second Institution Second Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Third Institution Third Institution Third Institution Third Institution Third Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Fourth Institution Fourth Institution Fourth Institution Fourth Institution Fourth Institution -9 Missing Data 1 Access Bank 2 African Banking Corporation (ABC) 3 Bank of China 4 Barclays Bank 5 Cavmont Capital Bank 6 Citibank 7 EcoBank 8 Finance Bank 9 First Alliance Bank 10 FirstNational Bank (FNB) 11 Indo-Zambia Bank 12 Intermarket Banking Corporation 13 Investrust Bank 14 Stanbic Bank 15 Standard Chartered Bank 16 Zambia National Commercial Bank (ZANACO) 17 Finance Building Society 18 Pan African Building Society 19 Zambia National Building Society (ZNBS) 20 National Savings and Credit Bank (Natsave) 21 Africa Enterprise Trust Zambia (AETZ) 22 Africa Housing Fund (AHF) 23 Agricultural Support Programme 24 Bayport 25 Blue Financial Services 26 Cetzam Opportunity Microfinance Ltd. 27 Ecumenical Church Loan Fund (ECLOF) 28 Evangelical Fellowship of Zambia 29 FINCA Zambia Ltd 30 Harmos MED Ltd 31 Keepers Zambia Foundation 32 Lutheran World Federation (LWF) 33 Micro Bankers Trust 34 Microfin Africa Zambia Ltd 35 Nedfin 36 Peoples Participation Service 37 Pride Zambia Ltd 38 Pulse Holdings Ltd 39 Salvation Army - Lusumpuko Women's Microcredit Fund 40 Women Finance Co-operative Zambia Ltd 41 Young Women Christian Association (YWCA) 42 Zambezi Youth Organisation (ZAYO) 43 Other Having insurance protects you when you have ... Having insurance protects you when you have ... Having insurance protects you when you have ... Having insurance protects you when you have ... Having insurance protects you when you have ... -9 Missing Data 1 True 2 Not true 3 Don't know Insurance is for rich people Insurance is for rich people Insurance is for rich people Insurance is for rich people Insurance is for rich people -9 Missing Data 1 True 2 Not true 3 Don't know Insurance is a way of saving on long term basis Insurance is a way of saving on long term basis Insurance is a way of saving on long term basis Insurance is a way of saving on long term basis Insurance is a way of saving on long term basis -9 Missing Data 1 True 2 Not true 3 Don't know Insurance companies don't pay out when you claim Insurance companies don't pay out when you claim Insurance companies don't pay out when you claim Insurance companies don't pay out when you claim Insurance companies don't pay out when you claim -9 Missing Data 1 True 2 Not true 3 Don't know Applying for insurance is a complicated Applying for insurance is a complicated Applying for insurance is a complicated Applying for insurance is a complicated Applying for insurance is a complicated -9 Missing Data 1 True 2 Not true 3 Don't know Second Institution Second Institution Second Institution Second Institution Second Institution -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other Third Institution Third Institution Third Institution Third Institution Third Institution -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other Motor Vehicle Insurance Motor Vehicle Insurance Motor Vehicle Insurance Motor Vehicle Insurance Motor Vehicle Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Travel Insurance Travel Insurance Travel Insurance Travel Insurance Travel Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Domestic / Household Insurance Domestic / Household Insurance Domestic / Household Insurance Domestic / Household Insurance Domestic / Household Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Funeral Insurance Funeral Insurance Funeral Insurance Funeral Insurance Funeral Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had All Risks Insurance All Risks Insurance All Risks Insurance All Risks Insurance All Risks Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Medical Insurance Medical Insurance Medical Insurance Medical Insurance Medical Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Health Cover (Doctor) Health Cover (Doctor) Health Cover (Doctor) Health Cover (Doctor) Health Cover (Doctor) -9 Missing Data 1 Have now 2 Had in past 3 Never had Agricultural Insurance Agricultural Insurance Agricultural Insurance Agricultural Insurance Agricultural Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Life Assurance Life Assurance Life Assurance Life Assurance Life Assurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Personal Injury / Accident Insurance Personal Injury / Accident Insurance Personal Injury / Accident Insurance Personal Injury / Accident Insurance Personal Injury / Accident Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Property Insurance Property Insurance Property Insurance Property Insurance Property Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Money Insurance Money Insurance Money Insurance Money Insurance Money Insurance -9 Missing Data 1 Have now 2 Had in past 3 Never had Pension / NAPSA Pension / NAPSA Pension / NAPSA Pension / NAPSA Pension / NAPSA -9 Missing Data 1 Have now 2 Had in past 3 Never had Insurance that covers a loan Insurance that covers a loan Insurance that covers a loan Insurance that covers a loan Insurance that covers a loan -9 Missing Data 1 Have now 2 Had in past 3 Never had Pension scheme from employer Pension scheme from employer Pension scheme from employer Pension scheme from employer Pension scheme from employer -9 Missing Data 1 Have now 2 Had in past 3 Never had first Institution..... Motor Vehicle Insurance first Institution..... Motor Vehicle Insurance first Institution..... Motor Vehicle Insurance first Institution..... Motor Vehicle Insurance first Institution..... Motor Vehicle Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Travel Insurance first Institution..... Travel Insurance first Institution..... Travel Insurance first Institution..... Travel Insurance first Institution..... Travel Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Domestic / Household Insurance first Institution..... Domestic / Household Insurance first Institution..... Domestic / Household Insurance first Institution..... Domestic / Household Insurance first Institution..... Domestic / Household Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Funeral Insurance first Institution..... Funeral Insurance first Institution..... Funeral Insurance first Institution..... Funeral Insurance first Institution..... Funeral Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... All Risks Insurance first Institution..... All Risks Insurance first Institution..... All Risks Insurance first Institution..... All Risks Insurance first Institution..... All Risks Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Medical Insurance first Institution..... Medical Insurance first Institution..... Medical Insurance first Institution..... Medical Insurance first Institution..... Medical Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Health Cover (Doctor) first Institution..... Health Cover (Doctor) first Institution..... Health Cover (Doctor) first Institution..... Health Cover (Doctor) first Institution..... Health Cover (Doctor) -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Agricultural Insurance first Institution..... Agricultural Insurance first Institution..... Agricultural Insurance first Institution..... Agricultural Insurance first Institution..... Agricultural Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Life Assurance first Institution..... Life Assurance first Institution..... Life Assurance first Institution..... Life Assurance first Institution..... Life Assurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Personal Injury / Accident Insurance first Institution..... Personal Injury / Accident Insurance first Institution..... Personal Injury / Accident Insurance first Institution..... Personal Injury / Accident Insurance first Institution..... Personal Injury / Accident Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Property Insurance first Institution..... Property Insurance first Institution..... Property Insurance first Institution..... Property Insurance first Institution..... Property Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Money Insurance first Institution..... Money Insurance first Institution..... Money Insurance first Institution..... Money Insurance first Institution..... Money Insurance -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Pension / NAPSA first Institution..... Pension / NAPSA first Institution..... Pension / NAPSA first Institution..... Pension / NAPSA first Institution..... Pension / NAPSA -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Insurance that covers a loan first Institution..... Insurance that covers a loan first Institution..... Insurance that covers a loan first Institution..... Insurance that covers a loan first Institution..... Insurance that covers a loan -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other first Institution..... Pension scheme from employer first Institution..... Pension scheme from employer first Institution..... Pension scheme from employer first Institution..... Pension scheme from employer first Institution..... Pension scheme from employer -9 Missing Data 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 / Diamond General Insurace 7 Union Insurance Corporation Ltd 8 ZIGI Insurance Company Ltd 9 Other S10Q2C.1: People have these products.......why do you have it S10Q2C.1: People have these products.......why do you have it S10Q2C.1: People have these products.......why do you have it S10Q2C.1: People have these products.......why do you have it S10Q2C.1: People have these products.......why do you have it -9 Missing Data 1 Cannot afford to lose the thing that is covered 2 The cost is low compared to the consequences of loss 3 Being insured stops you worrying about losing things 4 Have to make provision for my old age 5 It is required by law to have it 6 It is better to be safe than sorry later 7 Have to make provision for when things go wrong 8 To cover my loan when somethings happen to me 9 Other specify 10 Does not know 11 No specific reason S10Q2C.2: People have these products.......why do you have it S10Q2C.2: People have these products.......why do you have it S10Q2C.2: People have these products.......why do you have it S10Q2C.2: People have these products.......why do you have it S10Q2C.2: People have these products.......why do you have it -9 Missing Data 1 Cannot afford to lose the thing that is covered 2 The cost is low compared to the consequences of loss 3 Being insured stops you worrying about losing things 4 Have to make provision for my old age 5 It is required by law to have it 6 It is better to be safe than sorry later 7 Have to make provision for when things go wrong 8 To cover my loan when somethings happen to me 9 Other specify 10 Does not know 11 No specific reason S10Q2C.3: People have these products.......why do you have it S10Q2C.3: People have these products.......why do you have it S10Q2C.3: People have these products.......why do you have it S10Q2C.3: People have these products.......why do you have it S10Q2C.3: People have these products.......why do you have it -9 Missing Data 1 Cannot afford to lose the thing that is covered 2 The cost is low compared to the consequences of loss 3 Being insured stops you worrying about losing things 4 Have to make provision for my old age 5 It is required by law to have it 6 It is better to be safe than sorry later 7 Have to make provision for when things go wrong 8 To cover my loan when somethings happen to me 9 Other specify 10 Does not know 11 No specific reason S10Q2C.4: People have these products.......why do you have it S10Q2C.4: People have these products.......why do you have it S10Q2C.4: People have these products.......why do you have it S10Q2C.4: People have these products.......why do you have it S10Q2C.4: People have these products.......why do you have it -9 Missing Data 1 Cannot afford to lose the thing that is covered 2 The cost is low compared to the consequences of loss 3 Being insured stops you worrying about losing things 4 Have to make provision for my old age 5 It is required by law to have it 6 It is better to be safe than sorry later 7 Have to make provision for when things go wrong 8 To cover my loan when somethings happen to me 9 Other specify 10 Does not know 11 No specific reason S10Q3.1: There are different reasons for people not.......why don't y S10Q3.1: There are different reasons for people not.......why don't y S10Q3.1: There are different reasons for people not.......why don't y S10Q3.1: There are different reasons for people not.......why don't y S10Q3.1: There are different reasons for people not.......why don't y -9 Missing Data 1 Has not heard about it 2 Has never thought about it 3 Does not need it 4 Does not know how it works 5 Does not know how to get it 6 Does not know where to get it 7 Does not trust it or the companies 8 Someone else in the family or household has it 9 Protects self in other ways 10 Does not want to think about bad things happening 11 Using insurance brings bad things or problems onto you 12 It is not good value for money 13 Cannot afford it 14 They don't want to pay out when you claim 15 Other specify 16 Does not know 17 No specific reason S10Q3.2: There are different reasons for people not.......why don't y S10Q3.2: There are different reasons for people not.......why don't y S10Q3.2: There are different reasons for people not.......why don't y S10Q3.2: There are different reasons for people not.......why don't y S10Q3.2: There are different reasons for people not.......why don't y -9 Missing Data 1 Has not heard about it 2 Has never thought about it 3 Does not need it 4 Does not know how it works 5 Does not know how to get it 6 Does not know where to get it 7 Does not trust it or the companies 8 Someone else in the family or household has it 9 Protects self in other ways 10 Does not want to think about bad things happening 11 Using insurance brings bad things or problems onto you 12 It is not good value for money 13 Cannot afford it 14 They don't want to pay out when you claim 15 Other specify 16 Does not know 17 No specific reason S10Q3.3: There are different reasons for people not.......why don't y S10Q3.3: There are different reasons for people not.......why don't y S10Q3.3: There are different reasons for people not.......why don't y S10Q3.3: There are different reasons for people not.......why don't y S10Q3.3: There are different reasons for people not.......why don't y -9 Missing Data 1 Has not heard about it 2 Has never thought about it 3 Does not need it 4 Does not know how it works 5 Does not know how to get it 6 Does not know where to get it 7 Does not trust it or the companies 8 Someone else in the family or household has it 9 Protects self in other ways 10 Does not want to think about bad things happening 11 Using insurance brings bad things or problems onto you 12 It is not good value for money 13 Cannot afford it 14 They don't want to pay out when you claim 15 Other specify 16 Does not know 17 No specific reason S10Q3.4: There are different reasons for people not.......why don't y S10Q3.4: There are different reasons for people not.......why don't y S10Q3.4: There are different reasons for people not.......why don't y S10Q3.4: There are different reasons for people not.......why don't y S10Q3.4: There are different reasons for people not.......why don't y -9 Missing Data 1 Has not heard about it 2 Has never thought about it 3 Does not need it 4 Does not know how it works 5 Does not know how to get it 6 Does not know where to get it 7 Does not trust it or the companies 8 Someone else in the family or household has it 9 Protects self in other ways 10 Does not want to think about bad things happening 11 Using insurance brings bad things or problems onto you 12 It is not good value for money 13 Cannot afford it 14 They don't want to pay out when you claim 15 Other specify 16 Does not know 17 No specific reason S10Q3.5: There are different reasons for people not.......why don't y S10Q3.5: There are different reasons for people not.......why don't y S10Q3.5: There are different reasons for people not.......why don't y S10Q3.5: There are different reasons for people not.......why don't y S10Q3.5: There are different reasons for people not.......why don't y -9 Missing Data 1 Has not heard about it 2 Has never thought about it 3 Does not need it 4 Does not know how it works 5 Does not know how to get it 6 Does not know where to get it 7 Does not trust it or the companies 8 Someone else in the family or household has it 9 Protects self in other ways 10 Does not want to think about bad things happening 11 Using insurance brings bad things or problems onto you 12 It is not good value for money 13 Cannot afford it 14 They don't want to pay out when you claim 15 Other specify 16 Does not know 17 No specific reason S10Q3.6: There are different reasons for people not.......why don't y S10Q3.6: There are different reasons for people not.......why don't y S10Q3.6: There are different reasons for people not.......why don't y S10Q3.6: There are different reasons for people not.......why don't y S10Q3.6: There are different reasons for people not.......why don't y -9 Missing Data 1 Has not heard about it 2 Has never thought about it 3 Does not need it 4 Does not know how it works 5 Does not know how to get it 6 Does not know where to get it 7 Does not trust it or the companies 8 Someone else in the family or household has it 9 Protects self in other ways 10 Does not want to think about bad things happening 11 Using insurance brings bad things or problems onto you 12 It is not good value for money 13 Cannot afford it 14 They don't want to pay out when you claim 15 Other specify 16 Does not know 17 No specific reason S10Q3.7: There are different reasons for people not.......why don't y S10Q3.7: There are different reasons for people not.......why don't y S10Q3.7: There are different reasons for people not.......why don't y S10Q3.7: There are different reasons for people not.......why don't y S10Q3.7: There are different reasons for people not.......why don't y -9 Missing Data 1 Has not heard about it 2 Has never thought about it 3 Does not need it 4 Does not know how it works 5 Does not know how to get it 6 Does not know where to get it 7 Does not trust it or the companies 8 Someone else in the family or household has it 9 Protects self in other ways 10 Does not want to think about bad things happening 11 Using insurance brings bad things or problems onto you 12 It is not good value for money 13 Cannot afford it 14 They don't want to pay out when you claim 15 Other specify 16 Does not know 17 No specific reason Have you sent money to someone living in a differrent place Have you sent money to someone living in a differrent place Have you sent money to someone living in a differrent place Have you sent money to someone living in a differrent place Have you sent money to someone living in a differrent place -9 Missing Data 1 Yes 2 No Have you sent money to someone living in another country Have you sent money to someone living in another country Have you sent money to someone living in another country Have you sent money to someone living in another country Have you sent money to someone living in another country -9 Missing Data 1 Yes 2 No Recieved money from someone living in a different place with Recieved money from someone living in a different place with Recieved money from someone living in a different place with Recieved money from someone living in a different place with Recieved money from someone living in a different place with -9 Missing Data 1 Yes 2 No Recieved money from someone living in onother country Recieved money from someone living in onother country Recieved money from someone living in onother country Recieved money from someone living in onother country Recieved money from someone living in onother country -9 Missing Data 1 Yes 2 No How do you send the money?(third mentioned) How do you send the money?(third mentioned) How do you send the money?(third mentioned) How do you send the money?(third mentioned) How do you send the money?(third mentioned) -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other Where are you sending the money to.... Spouse Where are you sending the money to.... Spouse Where are you sending the money to.... Spouse Where are you sending the money to.... Spouse Where are you sending the money to.... Spouse -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where are you sending the money to.... Child Where are you sending the money to.... Child Where are you sending the money to.... Child Where are you sending the money to.... Child Where are you sending the money to.... Child -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where are you sending the money to.... Parent Where are you sending the money to.... Parent Where are you sending the money to.... Parent Where are you sending the money to.... Parent Where are you sending the money to.... Parent -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where are you sending the money to.... Other family member Where are you sending the money to.... Other family member Where are you sending the money to.... Other family member Where are you sending the money to.... Other family member Where are you sending the money to.... Other family member -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where are you sending the money to.... Friend Where are you sending the money to.... Friend Where are you sending the money to.... Friend Where are you sending the money to.... Friend Where are you sending the money to.... Friend -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where are you sending the money to.... Someone you borrowed from Where are you sending the money to.... Someone you borrowed from Where are you sending the money to.... Someone you borrowed from Where are you sending the money to.... Someone you borrowed from Where are you sending the money to.... Someone you borrowed from -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where are you sending the money to.... School, college or university Where are you sending the money to.... School, college or university Where are you sending the money to.... School, college or university Where are you sending the money to.... School, college or university Where are you sending the money to.... School, college or university -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where are you sending the money to.... To a business Where are you sending the money to.... To a business Where are you sending the money to.... To a business Where are you sending the money to.... To a business Where are you sending the money to.... To a business -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where are you sending the money to.... Other specify Where are you sending the money to.... Other specify Where are you sending the money to.... Other specify Where are you sending the money to.... Other specify Where are you sending the money to.... Other specify -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia How often do you send to this person.... Spouse How often do you send to this person.... Spouse How often do you send to this person.... Spouse How often do you send to this person.... Spouse How often do you send to this person.... Spouse -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you send to this person.... Child How often do you send to this person.... Child How often do you send to this person.... Child How often do you send to this person.... Child How often do you send to this person.... Child -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you send to this person.... Parent How often do you send to this person.... Parent How often do you send to this person.... Parent How often do you send to this person.... Parent How often do you send to this person.... Parent -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you send to this person.... Other family member How often do you send to this person.... Other family member How often do you send to this person.... Other family member How often do you send to this person.... Other family member How often do you send to this person.... Other family member -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you send to this person.... Friend How often do you send to this person.... Friend How often do you send to this person.... Friend How often do you send to this person.... Friend How often do you send to this person.... Friend -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you send to this person.... Someone you borrowed from How often do you send to this person.... Someone you borrowed from How often do you send to this person.... Someone you borrowed from How often do you send to this person.... Someone you borrowed from How often do you send to this person.... Someone you borrowed from -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you send to this person.... School, college or university How often do you send to this person.... School, college or university How often do you send to this person.... School, college or university How often do you send to this person.... School, college or university How often do you send to this person.... School, college or university -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you send to this person.... To a business How often do you send to this person.... To a business How often do you send to this person.... To a business How often do you send to this person.... To a business How often do you send to this person.... To a business -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you send to this person.... Other specify How often do you send to this person.... Other specify How often do you send to this person.... Other specify How often do you send to this person.... Other specify How often do you send to this person.... Other specify -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How do you send the money?(first mentioned)... Spouse How do you send the money?(first mentioned)... Spouse How do you send the money?(first mentioned)... Spouse How do you send the money?(first mentioned)... Spouse How do you send the money?(first mentioned)... Spouse -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money?(first mentioned)... Child How do you send the money?(first mentioned)... Child How do you send the money?(first mentioned)... Child How do you send the money?(first mentioned)... Child How do you send the money?(first mentioned)... Child -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money?(first mentioned)... Parent How do you send the money?(first mentioned)... Parent How do you send the money?(first mentioned)... Parent How do you send the money?(first mentioned)... Parent How do you send the money?(first mentioned)... Parent -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money?(first mentioned)... Other family member How do you send the money?(first mentioned)... Other family member How do you send the money?(first mentioned)... Other family member How do you send the money?(first mentioned)... Other family member How do you send the money?(first mentioned)... Other family member -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money?(first mentioned)... Friend How do you send the money?(first mentioned)... Friend How do you send the money?(first mentioned)... Friend How do you send the money?(first mentioned)... Friend How do you send the money?(first mentioned)... Friend -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money?(first mentioned)... Someone you borrowed from How do you send the money?(first mentioned)... Someone you borrowed from How do you send the money?(first mentioned)... Someone you borrowed from How do you send the money?(first mentioned)... Someone you borrowed from How do you send the money?(first mentioned)... Someone you borrowed from -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money?(first mentioned)... School, college or university How do you send the money?(first mentioned)... School, college or university How do you send the money?(first mentioned)... School, college or university How do you send the money?(first mentioned)... School, college or university How do you send the money?(first mentioned)... School, college or university -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money?(first mentioned)... To a business How do you send the money?(first mentioned)... To a business How do you send the money?(first mentioned)... To a business How do you send the money?(first mentioned)... To a business How do you send the money?(first mentioned)... To a business -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money?(first mentioned)... Other specify How do you send the money?(first mentioned)... Other specify How do you send the money?(first mentioned)... Other specify How do you send the money?(first mentioned)... Other specify How do you send the money?(first mentioned)... Other specify -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... Spouse How do you send the money? (second mentioned)... Spouse How do you send the money? (second mentioned)... Spouse How do you send the money? (second mentioned)... Spouse How do you send the money? (second mentioned)... Spouse -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... Child How do you send the money? (second mentioned)... Child How do you send the money? (second mentioned)... Child How do you send the money? (second mentioned)... Child How do you send the money? (second mentioned)... Child -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... Parent How do you send the money? (second mentioned)... Parent How do you send the money? (second mentioned)... Parent How do you send the money? (second mentioned)... Parent How do you send the money? (second mentioned)... Parent -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... Other family member How do you send the money? (second mentioned)... Other family member How do you send the money? (second mentioned)... Other family member How do you send the money? (second mentioned)... Other family member How do you send the money? (second mentioned)... Other family member -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... Friend How do you send the money? (second mentioned)... Friend How do you send the money? (second mentioned)... Friend How do you send the money? (second mentioned)... Friend How do you send the money? (second mentioned)... Friend -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... Someone you borrowed from How do you send the money? (second mentioned)... Someone you borrowed from How do you send the money? (second mentioned)... Someone you borrowed from How do you send the money? (second mentioned)... Someone you borrowed from How do you send the money? (second mentioned)... Someone you borrowed from -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... School, college or university How do you send the money? (second mentioned)... School, college or university How do you send the money? (second mentioned)... School, college or university How do you send the money? (second mentioned)... School, college or university How do you send the money? (second mentioned)... School, college or university -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... To a business How do you send the money? (second mentioned)... To a business How do you send the money? (second mentioned)... To a business How do you send the money? (second mentioned)... To a business How do you send the money? (second mentioned)... To a business -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How do you send the money? (second mentioned)... Other specify How do you send the money? (second mentioned)... Other specify How do you send the money? (second mentioned)... Other specify How do you send the money? (second mentioned)... Other specify How do you send the money? (second mentioned)... Other specify -9 Missing Data 1 Bank transfer 2 Pay into bank account 3 Post Office 4 Western Union 5 Money gram 6 Swift cash 7 Friends/family 8 Transfer by cell phone(Xapit) 9 Cellphone top-up 10 Bus/Taxi 11 Other How much did you send the last time.... Spouse How much did you send the last time.... Spouse How much did you send the last time.... Spouse How much did you send the last time.... Spouse How much did you send the last time.... Spouse -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you send the last time.... Child How much did you send the last time.... Child How much did you send the last time.... Child How much did you send the last time.... Child How much did you send the last time.... Child -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you send the last time.... Parent How much did you send the last time.... Parent How much did you send the last time.... Parent How much did you send the last time.... Parent How much did you send the last time.... Parent -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you send the last time.... Other family member How much did you send the last time.... Other family member How much did you send the last time.... Other family member How much did you send the last time.... Other family member How much did you send the last time.... Other family member -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you send the last time.... Friend How much did you send the last time.... Friend How much did you send the last time.... Friend How much did you send the last time.... Friend How much did you send the last time.... Friend -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you send the last time.... Someone you borrowed from How much did you send the last time.... Someone you borrowed from How much did you send the last time.... Someone you borrowed from How much did you send the last time.... Someone you borrowed from How much did you send the last time.... Someone you borrowed from -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you send the last time.... School, college or university How much did you send the last time.... School, college or university How much did you send the last time.... School, college or university How much did you send the last time.... School, college or university How much did you send the last time.... School, college or university -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you send the last time.... To a business How much did you send the last time.... To a business How much did you send the last time.... To a business How much did you send the last time.... To a business How much did you send the last time.... To a business -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you send the last time.... Other specify How much did you send the last time.... Other specify How much did you send the last time.... Other specify How much did you send the last time.... Other specify How much did you send the last time.... Other specify -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How do you receive the money?(third mentioned) How do you receive the money?(third mentioned) How do you receive the money?(third mentioned) How do you receive the money?(third mentioned) How do you receive the money?(third mentioned) -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other Where were they sending the money from... Spouse Where were they sending the money from... Spouse Where were they sending the money from... Spouse Where were they sending the money from... Spouse Where were they sending the money from... Spouse -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where were they sending the money from... Child Where were they sending the money from... Child Where were they sending the money from... Child Where were they sending the money from... Child Where were they sending the money from... Child -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where were they sending the money from... Parent Where were they sending the money from... Parent Where were they sending the money from... Parent Where were they sending the money from... Parent Where were they sending the money from... Parent -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where were they sending the money from... Other family member Where were they sending the money from... Other family member Where were they sending the money from... Other family member Where were they sending the money from... Other family member Where were they sending the money from... Other family member -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where were they sending the money from... Friend Where were they sending the money from... Friend Where were they sending the money from... Friend Where were they sending the money from... Friend Where were they sending the money from... Friend -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where were they sending the money from... Customer Where were they sending the money from... Customer Where were they sending the money from... Customer Where were they sending the money from... Customer Where were they sending the money from... Customer -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where were they sending the money from... Someone who owes you money Where were they sending the money from... Someone who owes you money Where were they sending the money from... Someone who owes you money Where were they sending the money from... Someone who owes you money Where were they sending the money from... Someone who owes you money -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia Where were they sending the money from... Other specify Where were they sending the money from... Other specify Where were they sending the money from... Other specify Where were they sending the money from... Other specify Where were they sending the money from... Other specify -9 Missing Data 1 Rular village 2 Urban town 3 Outside Zambia How often do you recieve money from this source... Spouse How often do you recieve money from this source... Spouse How often do you recieve money from this source... Spouse How often do you recieve money from this source... Spouse How often do you recieve money from this source... Spouse -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you recieve money from this source... Child How often do you recieve money from this source... Child How often do you recieve money from this source... Child How often do you recieve money from this source... Child How often do you recieve money from this source... Child -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you recieve money from this source... Parent How often do you recieve money from this source... Parent How often do you recieve money from this source... Parent How often do you recieve money from this source... Parent How often do you recieve money from this source... Parent -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you recieve money from this source... Other family member How often do you recieve money from this source... Other family member How often do you recieve money from this source... Other family member How often do you recieve money from this source... Other family member How often do you recieve money from this source... Other family member -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you recieve money from this source... Friend How often do you recieve money from this source... Friend How often do you recieve money from this source... Friend How often do you recieve money from this source... Friend How often do you recieve money from this source... Friend -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you recieve money from this source... Customer How often do you recieve money from this source... Customer How often do you recieve money from this source... Customer How often do you recieve money from this source... Customer How often do you recieve money from this source... Customer -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you recieve money from this source... Someone who owes you money How often do you recieve money from this source... Someone who owes you money How often do you recieve money from this source... Someone who owes you money How often do you recieve money from this source... Someone who owes you money How often do you recieve money from this source... Someone who owes you money -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How often do you recieve money from this source... Other specify How often do you recieve money from this source... Other specify How often do you recieve money from this source... Other specify How often do you recieve money from this source... Other specify How often do you recieve money from this source... Other specify -9 Missing Data 1 Weekly 2 Fortnightly 3 Monthly 4 Seasonally 5 Once a year 6 Other How do you receive the money?(first mentioned).... Spouse How do you receive the money?(first mentioned).... Spouse How do you receive the money?(first mentioned).... Spouse How do you receive the money?(first mentioned).... Spouse How do you receive the money?(first mentioned).... Spouse -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(first mentioned).... Child How do you receive the money?(first mentioned).... Child How do you receive the money?(first mentioned).... Child How do you receive the money?(first mentioned).... Child How do you receive the money?(first mentioned).... Child -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(first mentioned).... Parent How do you receive the money?(first mentioned).... Parent How do you receive the money?(first mentioned).... Parent How do you receive the money?(first mentioned).... Parent How do you receive the money?(first mentioned).... Parent -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(first mentioned).... Other family member How do you receive the money?(first mentioned).... Other family member How do you receive the money?(first mentioned).... Other family member How do you receive the money?(first mentioned).... Other family member How do you receive the money?(first mentioned).... Other family member -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(first mentioned).... Friend How do you receive the money?(first mentioned).... Friend How do you receive the money?(first mentioned).... Friend How do you receive the money?(first mentioned).... Friend How do you receive the money?(first mentioned).... Friend -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(first mentioned).... Customer How do you receive the money?(first mentioned).... Customer How do you receive the money?(first mentioned).... Customer How do you receive the money?(first mentioned).... Customer How do you receive the money?(first mentioned).... Customer -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(first mentioned).... Someone who owes you money How do you receive the money?(first mentioned).... Someone who owes you money How do you receive the money?(first mentioned).... Someone who owes you money How do you receive the money?(first mentioned).... Someone who owes you money How do you receive the money?(first mentioned).... Someone who owes you money -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(first mentioned).... Other specify How do you receive the money?(first mentioned).... Other specify How do you receive the money?(first mentioned).... Other specify How do you receive the money?(first mentioned).... Other specify How do you receive the money?(first mentioned).... Other specify -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(second mentioned)... Spouse How do you receive the money?(second mentioned)... Spouse How do you receive the money?(second mentioned)... Spouse How do you receive the money?(second mentioned)... Spouse How do you receive the money?(second mentioned)... Spouse -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(second mentioned)... Child How do you receive the money?(second mentioned)... Child How do you receive the money?(second mentioned)... Child How do you receive the money?(second mentioned)... Child How do you receive the money?(second mentioned)... Child -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(second mentioned)... Parent How do you receive the money?(second mentioned)... Parent How do you receive the money?(second mentioned)... Parent How do you receive the money?(second mentioned)... Parent How do you receive the money?(second mentioned)... Parent -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(second mentioned)... Other family member How do you receive the money?(second mentioned)... Other family member How do you receive the money?(second mentioned)... Other family member How do you receive the money?(second mentioned)... Other family member How do you receive the money?(second mentioned)... Other family member -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(second mentioned)... Friend How do you receive the money?(second mentioned)... Friend How do you receive the money?(second mentioned)... Friend How do you receive the money?(second mentioned)... Friend How do you receive the money?(second mentioned)... Friend -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(second mentioned)... Customer How do you receive the money?(second mentioned)... Customer How do you receive the money?(second mentioned)... Customer How do you receive the money?(second mentioned)... Customer How do you receive the money?(second mentioned)... Customer -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(second mentioned)... Someone who owes you money How do you receive the money?(second mentioned)... Someone who owes you money How do you receive the money?(second mentioned)... Someone who owes you money How do you receive the money?(second mentioned)... Someone who owes you money How do you receive the money?(second mentioned)... Someone who owes you money -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How do you receive the money?(second mentioned)... Other specify How do you receive the money?(second mentioned)... Other specify How do you receive the money?(second mentioned)... Other specify How do you receive the money?(second mentioned)... Other specify How do you receive the money?(second mentioned)... Other specify -9 Missing Data 1 Into bank account 2 Post Office 3 Western Union 4 Money gram 5 Swift cash 6 Friends/family 7 Transfer by cell phone(Xapit) 8 Cellphone top-up 9 Bus/Taxi 10 Other How much did you receive the last time.... Spouse How much did you receive the last time.... Spouse How much did you receive the last time.... Spouse How much did you receive the last time.... Spouse How much did you receive the last time.... Spouse -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you receive the last time.... Child How much did you receive the last time.... Child How much did you receive the last time.... Child How much did you receive the last time.... Child How much did you receive the last time.... Child -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you receive the last time.... Parent How much did you receive the last time.... Parent How much did you receive the last time.... Parent How much did you receive the last time.... Parent How much did you receive the last time.... Parent -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you receive the last time.... Other family member How much did you receive the last time.... Other family member How much did you receive the last time.... Other family member How much did you receive the last time.... Other family member How much did you receive the last time.... Other family member -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you receive the last time.... Friend How much did you receive the last time.... Friend How much did you receive the last time.... Friend How much did you receive the last time.... Friend How much did you receive the last time.... Friend -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you receive the last time.... Customer How much did you receive the last time.... Customer How much did you receive the last time.... Customer How much did you receive the last time.... Customer How much did you receive the last time.... Customer -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you receive the last time.... Someone who owes you money How much did you receive the last time.... Someone who owes you money How much did you receive the last time.... Someone who owes you money How much did you receive the last time.... Someone who owes you money How much did you receive the last time.... Someone who owes you money -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused How much did you receive the last time.... Other specify How much did you receive the last time.... Other specify How much did you receive the last time.... Other specify How much did you receive the last time.... Other specify How much did you receive the last time.... Other specify -9 Missing Data 1 K50 000 or less 2 K50001-K100000 3 K100001-K200000 4 K200001-K300000 5 K300001-K500000 6 K500001-K1m 7 More than K1m 8 Cannot remember 9 Refused Do you personally belong to one or more...? Do you personally belong to one or more...? Do you personally belong to one or more...? Do you personally belong to one or more...? Do you personally belong to one or more...? -9 Missing Data 1 Yes 2 No How often do you contribute to club 1 How often do you contribute to club 1 How often do you contribute to club 1 How often do you contribute to club 1 How often do you contribute to club 1 -9 Missing Data 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 How often do you contribute to club 2 How often do you contribute to club 2 How often do you contribute to club 2 How often do you contribute to club 2 How often do you contribute to club 2 -9 Missing Data 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 On average how much...contribute to club 1 On average how much...contribute to club 1 On average how much...contribute to club 1 On average how much...contribute to club 1 On average how much...contribute to club 1 -9 Missing Data 1 Up to K5,000 2 K5,001 - K10,000 3 K10,001 - K20,000 4 K20,001 - K30,000 5 K30,001 - K50,000 6 K50,001 - K100,000 7 K100,001 - K250,000 8 More than K250,000 9 Refused On average how much... contribute to club 2 On average how much... contribute to club 2 On average how much... contribute to club 2 On average how much... contribute to club 2 On average how much... contribute to club 2 -9 Missing Data 1 Up to K5,000 2 K5,001 - K10,000 3 K10,001 - K20,000 4 K20,001 - K30,000 5 K30,001 - K50,000 6 K50,001 - K100,000 7 K100,001 - K250,000 8 More than K250,000 9 Refused How often do you receive funds...Club 1 How often do you receive funds...Club 1 How often do you receive funds...Club 1 How often do you receive funds...Club 1 How often do you receive funds...Club 1 -9 Missing Data 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 How often do you receive funds...Club 2 How often do you receive funds...Club 2 How often do you receive funds...Club 2 How often do you receive funds...Club 2 How often do you receive funds...Club 2 -9 Missing Data 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 How many members does club 1 have? How many members does club 1 have? How many members does club 1 have? How many members does club 1 have? How many members does club 1 have? -9 Missing Data 1 One to five 2 Six to ten 3 Eleven to fifteen 4 More than fifteen How many members does club 2 have? How many members does club 2 have? How many members does club 2 have? How many members does club 2 have? How many members does club 2 have? -9 Missing Data 1 One to five 2 Six to ten 3 Eleven to fifteen 4 More than fifteen Where does your saving club 1 keep money...? Where does your saving club 1 keep money...? Where does your saving club 1 keep money...? Where does your saving club 1 keep money...? Where does your saving club 1 keep money...? -9 Missing Data 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 Other specify 6 Don't know Where does your saving club 2 keep money...? Where does your saving club 2 keep money...? Where does your saving club 2 keep money...? Where does your saving club 2 keep money...? Where does your saving club 2 keep money...? -9 Missing Data 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 Other specify 6 Don't know Have you made provisions to cover the expenses.....? Have you made provisions to cover the expenses.....? Have you made provisions to cover the expenses.....? Have you made provisions to cover the expenses.....? Have you made provisions to cover the expenses.....? -9 Missing Data 1 Yes 2 No Are you a member of any group...? Are you a member of any group...? Are you a member of any group...? Are you a member of any group...? Are you a member of any group...? -9 Missing Data 1 Yes 2 No S11Q2A.1: What provisions have you made? S11Q2A.1: What provisions have you made? S11Q2A.1: What provisions have you made? S11Q2A.1: What provisions have you made? S11Q2A.1: What provisions have you made? -9 Missing Data 1 Covered by Employer 2 Funeral Insurance 3 Savings scheme 4 Funeral Fund 5 Agreement with Church 6 Other specify S11Q2A.2: What provisions have you made? S11Q2A.2: What provisions have you made? S11Q2A.2: What provisions have you made? S11Q2A.2: What provisions have you made? S11Q2A.2: What provisions have you made? -9 Missing Data 1 Covered by Employer 2 Funeral Insurance 3 Savings scheme 4 Funeral Fund 5 Agreement with Church 6 Other specify S11Q2A.3: What provisions have you made? S11Q2A.3: What provisions have you made? S11Q2A.3: What provisions have you made? S11Q2A.3: What provisions have you made? S11Q2A.3: What provisions have you made? -9 Missing Data 1 Covered by Employer 2 Funeral Insurance 3 Savings scheme 4 Funeral Fund 5 Agreement with Church 6 Other specify S11Q2A.4: What provisions have you made? S11Q2A.4: What provisions have you made? S11Q2A.4: What provisions have you made? S11Q2A.4: What provisions have you made? S11Q2A.4: What provisions have you made? -9 Missing Data 1 Covered by Employer 2 Funeral Insurance 3 Savings scheme 4 Funeral Fund 5 Agreement with Church 6 Other specify S11Q2A.5: What provisions have you made? S11Q2A.5: What provisions have you made? S11Q2A.5: What provisions have you made? S11Q2A.5: What provisions have you made? S11Q2A.5: What provisions have you made? -9 Missing Data 1 Covered by Employer 2 Funeral Insurance 3 Savings scheme 4 Funeral Fund 5 Agreement with Church 6 Other specify S11Q2A.6: What provisions have you made? S11Q2A.6: What provisions have you made? S11Q2A.6: What provisions have you made? S11Q2A.6: What provisions have you made? S11Q2A.6: What provisions have you made? -9 Missing Data 1 Covered by Employer 2 Funeral Insurance 3 Savings scheme 4 Funeral Fund 5 Agreement with Church 6 Other specify Why do you belong to such an organisation?... Business organisation Why do you belong to such an organisation?... Business organisation Why do you belong to such an organisation?... Business organisation Why do you belong to such an organisation?... Business organisation Why do you belong to such an organisation?... Business organisation -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Why do you belong to such an organisation?... Farmers association Why do you belong to such an organisation?... Farmers association Why do you belong to such an organisation?... Farmers association Why do you belong to such an organisation?... Farmers association Why do you belong to such an organisation?... Farmers association -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Why do you belong to such an organisation?... Market/traders association Why do you belong to such an organisation?... Market/traders association Why do you belong to such an organisation?... Market/traders association Why do you belong to such an organisation?... Market/traders association Why do you belong to such an organisation?... Market/traders association -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Why do you belong to such an organisation?... Cooperative Why do you belong to such an organisation?... Cooperative Why do you belong to such an organisation?... Cooperative Why do you belong to such an organisation?... Cooperative Why do you belong to such an organisation?... Cooperative -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Why do you belong to such an organisation?... Outgrower scheme Why do you belong to such an organisation?... Outgrower scheme Why do you belong to such an organisation?... Outgrower scheme Why do you belong to such an organisation?... Outgrower scheme Why do you belong to such an organisation?... Outgrower scheme -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Why do you belong to such an organisation?... Church / religious group Why do you belong to such an organisation?... Church / religious group Why do you belong to such an organisation?... Church / religious group Why do you belong to such an organisation?... Church / religious group Why do you belong to such an organisation?... Church / religious group -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Why do you belong to such an organisation?... Womens / mens group Why do you belong to such an organisation?... Womens / mens group Why do you belong to such an organisation?... Womens / mens group Why do you belong to such an organisation?... Womens / mens group Why do you belong to such an organisation?... Womens / mens group -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Why do you belong to such an organisation?... Political party Why do you belong to such an organisation?... Political party Why do you belong to such an organisation?... Political party Why do you belong to such an organisation?... Political party Why do you belong to such an organisation?... Political party -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Why do you belong to such an organisation?... Other specify Why do you belong to such an organisation?... Other specify Why do you belong to such an organisation?... Other specify Why do you belong to such an organisation?... Other specify Why do you belong to such an organisation?... Other specify -9 Missing Data 1 It is compulsory 2 To get advice 3 To exchange ideas 4 To socialise/meet friend 5 We have the same interest 6 They provide financial services I need 7 I can go to them if I need financial help 8 Other Does club 1 provide this service?..... Lend money out to members when they need Does club 1 provide this service?..... Lend money out to members when they need Does club 1 provide this service?..... Lend money out to members when they need Does club 1 provide this service?..... Lend money out to members when they need Does club 1 provide this service?..... Lend money out to members when they need -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Lend money out to members when they need the money Does club 1 provide this service?..... Lend out money to non-members when they w Does club 1 provide this service?..... Lend out money to non-members when they w Does club 1 provide this service?..... Lend out money to non-members when they w Does club 1 provide this service?..... Lend out money to non-members when they w Does club 1 provide this service?..... Lend out money to non-members when they w -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Lend out money to non-members when they want to borrow Does club 1 provide this service?..... Give collected money to one member every Does club 1 provide this service?..... Give collected money to one member every Does club 1 provide this service?..... Give collected money to one member every Does club 1 provide this service?..... Give collected money to one member every Does club 1 provide this service?..... Give collected money to one member every -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Give collected money to one member every month Does club 1 provide this service?..... Keep the collected money for members and Does club 1 provide this service?..... Keep the collected money for members and Does club 1 provide this service?..... Keep the collected money for members and Does club 1 provide this service?..... Keep the collected money for members and Does club 1 provide this service?..... Keep the collected money for members and -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Keep the collected money for members and members can withdraw this money when they need it Does club 1 provide this service?..... Keep the collected money for members and Does club 1 provide this service?..... Keep the collected money for members and Does club 1 provide this service?..... Keep the collected money for members and Does club 1 provide this service?..... Keep the collected money for members and Does club 1 provide this service?..... Keep the collected money for members and -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Keep the collected money for members and give to members after a certain period of time Does club 1 provide this service?..... Buy assets as a group Does club 1 provide this service?..... Buy assets as a group Does club 1 provide this service?..... Buy assets as a group Does club 1 provide this service?..... Buy assets as a group Does club 1 provide this service?..... Buy assets as a group -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Buy assets for members Does club 1 provide this service?..... Buy assets for members Does club 1 provide this service?..... Buy assets for members Does club 1 provide this service?..... Buy assets for members Does club 1 provide this service?..... Buy assets for members -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Raise money for funerals for group member Does club 1 provide this service?..... Raise money for funerals for group member Does club 1 provide this service?..... Raise money for funerals for group member Does club 1 provide this service?..... Raise money for funerals for group member Does club 1 provide this service?..... Raise money for funerals for group member -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Raise money for funerals for group members Does club 1 provide this service?..... Raise money for other emergencies for mem Does club 1 provide this service?..... Raise money for other emergencies for mem Does club 1 provide this service?..... Raise money for other emergencies for mem Does club 1 provide this service?..... Raise money for other emergencies for mem Does club 1 provide this service?..... Raise money for other emergencies for mem -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Raise money for other emergencies for members Does club 1 provide this service?..... Act as guarantor when members want to bor Does club 1 provide this service?..... Act as guarantor when members want to bor Does club 1 provide this service?..... Act as guarantor when members want to bor Does club 1 provide this service?..... Act as guarantor when members want to bor Does club 1 provide this service?..... Act as guarantor when members want to bor -9 Missing Data 1 Yes 2 No Does club 1 provide this service?..... Act as guarantor when members want to borrow money somewhere else Does club 2 provide this service? Lend money out to members when they need the m Does club 2 provide this service? Lend money out to members when they need the m Does club 2 provide this service? Lend money out to members when they need the m Does club 2 provide this service? Lend money out to members when they need the m Does club 2 provide this service? Lend money out to members when they need the m -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Lend money out to members when they need the money Does club 2 provide this service? Lend out money to non-members when they want t Does club 2 provide this service? Lend out money to non-members when they want t Does club 2 provide this service? Lend out money to non-members when they want t Does club 2 provide this service? Lend out money to non-members when they want t Does club 2 provide this service? Lend out money to non-members when they want t -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Lend out money to non-members when they want to borrow Does club 2 provide this service? Give collected money to one member every month Does club 2 provide this service? Give collected money to one member every month Does club 2 provide this service? Give collected money to one member every month Does club 2 provide this service? Give collected money to one member every month Does club 2 provide this service? Give collected money to one member every month -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Give collected money to one member every month Does club 2 provide this service? Keep the collected money for members and membe Does club 2 provide this service? Keep the collected money for members and membe Does club 2 provide this service? Keep the collected money for members and membe Does club 2 provide this service? Keep the collected money for members and membe Does club 2 provide this service? Keep the collected money for members and membe -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Keep the collected money for members and members can withdraw this money when they need it Does club 2 provide this service? Keep the collected money for members and give Does club 2 provide this service? Keep the collected money for members and give Does club 2 provide this service? Keep the collected money for members and give Does club 2 provide this service? Keep the collected money for members and give Does club 2 provide this service? Keep the collected money for members and give -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Keep the collected money for members and give to members after a certain period of time Does club 2 provide this service? Buy assets as a group Does club 2 provide this service? Buy assets as a group Does club 2 provide this service? Buy assets as a group Does club 2 provide this service? Buy assets as a group Does club 2 provide this service? Buy assets as a group -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Buy assets for members Does club 2 provide this service? Buy assets for members Does club 2 provide this service? Buy assets for members Does club 2 provide this service? Buy assets for members Does club 2 provide this service? Buy assets for members -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Raise money for funerals for group members Does club 2 provide this service? Raise money for funerals for group members Does club 2 provide this service? Raise money for funerals for group members Does club 2 provide this service? Raise money for funerals for group members Does club 2 provide this service? Raise money for funerals for group members -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Raise money for other emergencies for members Does club 2 provide this service? Raise money for other emergencies for members Does club 2 provide this service? Raise money for other emergencies for members Does club 2 provide this service? Raise money for other emergencies for members Does club 2 provide this service? Raise money for other emergencies for members -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Raise money for other emergencies for members Does club 2 provide this service? Act as guarantor when members want to borrow m Does club 2 provide this service? Act as guarantor when members want to borrow m Does club 2 provide this service? Act as guarantor when members want to borrow m Does club 2 provide this service? Act as guarantor when members want to borrow m Does club 2 provide this service? Act as guarantor when members want to borrow m -9 Missing Data 1 Yes 2 No Does club 2 provide this service? Act as guarantor when members want to borrow money somewhere else S11Q1H.1: Why do you belong to a saving club? S11Q1H.1: Why do you belong to a saving club? S11Q1H.1: Why do you belong to a saving club? S11Q1H.1: Why do you belong to a saving club? S11Q1H.1: Why do you belong to a saving club? -9 Missing Data 1 Because I inherited the position from my parents 2 It is compulsory for people in my tribe or village 3 To socialise or meet friends 4 They give me financial advice 5 I can turn to them when in financial need 6 To exchange ideas with other members 7 Forces me to participate and support my group members 8 I can get money easily when I need it 9 Because I trust and know them 10 To borrow money 11 It's close or easy to get to 12 It's easy to become a member 13 I don't get charged fees 14 It is an easy way of saving 15 Other specify S11Q1H.2: Why do you belong to a saving club? S11Q1H.2: Why do you belong to a saving club? S11Q1H.2: Why do you belong to a saving club? S11Q1H.2: Why do you belong to a saving club? S11Q1H.2: Why do you belong to a saving club? -9 Missing Data 1 Because I inherited the position from my parents 2 It is compulsory for people in my tribe or village 3 To socialise or meet friends 4 They give me financial advice 5 I can turn to them when in financial need 6 To exchange ideas with other members 7 Forces me to participate and support my group members 8 I can get money easily when I need it 9 Because I trust and know them 10 To borrow money 11 It's close or easy to get to 12 It's easy to become a member 13 I don't get charged fees 14 It is an easy way of saving 15 Other specify S11Q1H.3: Why do you belong to a saving club? S11Q1H.3: Why do you belong to a saving club? S11Q1H.3: Why do you belong to a saving club? S11Q1H.3: Why do you belong to a saving club? S11Q1H.3: Why do you belong to a saving club? -9 Missing Data 1 Because I inherited the position from my parents 2 It is compulsory for people in my tribe or village 3 To socialise or meet friends 4 They give me financial advice 5 I can turn to them when in financial need 6 To exchange ideas with other members 7 Forces me to participate and support my group members 8 I can get money easily when I need it 9 Because I trust and know them 10 To borrow money 11 It's close or easy to get to 12 It's easy to become a member 13 I don't get charged fees 14 It is an easy way of saving 15 Other specify S11Q1H.4: Why do you belong to a saving club? S11Q1H.4: Why do you belong to a saving club? S11Q1H.4: Why do you belong to a saving club? S11Q1H.4: Why do you belong to a saving club? S11Q1H.4: Why do you belong to a saving club? -9 Missing Data 1 Because I inherited the position from my parents 2 It is compulsory for people in my tribe or village 3 To socialise or meet friends 4 They give me financial advice 5 I can turn to them when in financial need 6 To exchange ideas with other members 7 Forces me to participate and support my group members 8 I can get money easily when I need it 9 Because I trust and know them 10 To borrow money 11 It's close or easy to get to 12 It's easy to become a member 13 I don't get charged fees 14 It is an easy way of saving 15 Other specify S11Q1H.5: Why do you belong to a saving club? S11Q1H.5: Why do you belong to a saving club? S11Q1H.5: Why do you belong to a saving club? S11Q1H.5: Why do you belong to a saving club? S11Q1H.5: Why do you belong to a saving club? -9 Missing Data 1 Because I inherited the position from my parents 2 It is compulsory for people in my tribe or village 3 To socialise or meet friends 4 They give me financial advice 5 I can turn to them when in financial need 6 To exchange ideas with other members 7 Forces me to participate and support my group members 8 I can get money easily when I need it 9 Because I trust and know them 10 To borrow money 11 It's close or easy to get to 12 It's easy to become a member 13 I don't get charged fees 14 It is an easy way of saving 15 Other specify S11Q1H.6: Why do you belong to a saving club? S11Q1H.6: Why do you belong to a saving club? S11Q1H.6: Why do you belong to a saving club? S11Q1H.6: Why do you belong to a saving club? S11Q1H.6: Why do you belong to a saving club? -9 Missing Data 1 Because I inherited the position from my parents 2 It is compulsory for people in my tribe or village 3 To socialise or meet friends 4 They give me financial advice 5 I can turn to them when in financial need 6 To exchange ideas with other members 7 Forces me to participate and support my group members 8 I can get money easily when I need it 9 Because I trust and know them 10 To borrow money 11 It's close or easy to get to 12 It's easy to become a member 13 I don't get charged fees 14 It is an easy way of saving 15 Other specify S11Q1H.7: Why do you belong to a saving club? S11Q1H.7: Why do you belong to a saving club? S11Q1H.7: Why do you belong to a saving club? S11Q1H.7: Why do you belong to a saving club? S11Q1H.7: Why do you belong to a saving club? -9 Missing Data 1 Because I inherited the position from my parents 2 It is compulsory for people in my tribe or village 3 To socialise or meet friends 4 They give me financial advice 5 I can turn to them when in financial need 6 To exchange ideas with other members 7 Forces me to participate and support my group members 8 I can get money easily when I need it 9 Because I trust and know them 10 To borrow money 11 It's close or easy to get to 12 It's easy to become a member 13 I don't get charged fees 14 It is an easy way of saving 15 Other specify Which of the following statements best described how you fee Which of the following statements best described how you fee Which of the following statements best described how you fee Which of the following statements best described how you fee Which of the following statements best described how you fee -9 Missing Data 1 Your life is very close to your ideal 2 Your life is fairly close to your ideal 3 Your life is not very close to your ideal 4 Your life is not at all close to your ideal 5 Do not know Do you generaly feel that your life is Do you generaly feel that your life is Do you generaly feel that your life is Do you generaly feel that your life is Do you generaly feel that your life is -9 Missing Data 1 getting better 2 Getting worse 3 Not geting better or worse 4 Does not know Would you please tell me , in the past year did any member o Would you please tell me , in the past year did any member o Would you please tell me , in the past year did any member o Would you please tell me , in the past year did any member o Would you please tell me , in the past year did any member o -9 Missing Data 1 Yes 2 No Did you loose th main income earner/breadwinner of the house Did you loose th main income earner/breadwinner of the house Did you loose th main income earner/breadwinner of the house Did you loose th main income earner/breadwinner of the house Did you loose th main income earner/breadwinner of the house -9 Missing Data 1 Yes 2 No You have rather a boring life You have rather a boring life You have rather a boring life You have rather a boring life You have rather a boring life -9 Missing Data 1 Yes 2 Not true So far you are satisfied with what you have achieved in your life So far you are satisfied with what you have achieved in your life So far you are satisfied with what you have achieved in your life So far you are satisfied with what you have achieved in your life So far you are satisfied with what you have achieved in your life -9 Missing Data 1 Yes 2 Not true You feel you are a failure You feel you are a failure You feel you are a failure You feel you are a failure You feel you are a failure -9 Missing Data 1 Yes 2 Not true You feel lonely You feel lonely You feel lonely You feel lonely You feel lonely -9 Missing Data 1 Yes 2 Not true You feel alive and energetic You feel alive and energetic You feel alive and energetic You feel alive and energetic You feel alive and energetic -9 Missing Data 1 Yes 2 Not true You can't afford to eat the correct kinds of foods You can't afford to eat the correct kinds of foods You can't afford to eat the correct kinds of foods You can't afford to eat the correct kinds of foods You can't afford to eat the correct kinds of foods -9 Missing Data 1 Yes 2 Not true You do not think people think much of you or respect you much You do not think people think much of you or respect you much You do not think people think much of you or respect you much You do not think people think much of you or respect you much You do not think people think much of you or respect you much -9 Missing Data 1 Yes 2 Not true Generally you are a happy and cheerful person Generally you are a happy and cheerful person Generally you are a happy and cheerful person Generally you are a happy and cheerful person Generally you are a happy and cheerful person -9 Missing Data 1 Yes 2 Not true You feel anxious, tense and a sense of panic You feel anxious, tense and a sense of panic You feel anxious, tense and a sense of panic You feel anxious, tense and a sense of panic You feel anxious, tense and a sense of panic -9 Missing Data 1 Yes 2 Not true You do not know very many people You do not know very many people You do not know very many people You do not know very many people You do not know very many people -9 Missing Data 1 Yes 2 Not true People very seldom ask you for advice People very seldom ask you for advice People very seldom ask you for advice People very seldom ask you for advice People very seldom ask you for advice -9 Missing Data 1 Yes 2 Not true You do not feel you really belong - you want to be more accepted You do not feel you really belong - you want to be more accepted You do not feel you really belong - you want to be more accepted You do not feel you really belong - you want to be more accepted You do not feel you really belong - you want to be more accepted -9 Missing Data 1 Yes 2 Not true Sometimes you feel quite frightened Sometimes you feel quite frightened Sometimes you feel quite frightened Sometimes you feel quite frightened Sometimes you feel quite frightened -9 Missing Data 1 Yes 2 Not true You regard yourself as a spiritual person You regard yourself as a spiritual person You regard yourself as a spiritual person You regard yourself as a spiritual person You regard yourself as a spiritual person -9 Missing Data 1 Yes 2 Not true You do not really have a close relationship with anyone You do not really have a close relationship with anyone You do not really have a close relationship with anyone You do not really have a close relationship with anyone You do not really have a close relationship with anyone -9 Missing Data 1 Yes 2 Not true You have many dreams in life but will never achieve them You have many dreams in life but will never achieve them You have many dreams in life but will never achieve them You have many dreams in life but will never achieve them You have many dreams in life but will never achieve them -9 Missing Data 1 Yes 2 Not true You often feel calm or serene You often feel calm or serene You often feel calm or serene You often feel calm or serene You often feel calm or serene -9 Missing Data 1 Yes 2 Not true You have family and friends to turn to whenever you need them You have family and friends to turn to whenever you need them You have family and friends to turn to whenever you need them You have family and friends to turn to whenever you need them You have family and friends to turn to whenever you need them -9 Missing Data 1 Yes 2 Not true Your life has meaning and purpose Your life has meaning and purpose Your life has meaning and purpose Your life has meaning and purpose Your life has meaning and purpose -9 Missing Data 1 Yes 2 Not true You would like to leave a legacy for your children You would like to leave a legacy for your children You would like to leave a legacy for your children You would like to leave a legacy for your children You would like to leave a legacy for your children -9 Missing Data 1 True 2 Not true 3 Don't know You have hope for the future You have hope for the future You have hope for the future You have hope for the future You have hope for the future -9 Missing Data 1 True 2 Not true 3 Don't know Your family life is important to you Your family life is important to you Your family life is important to you Your family life is important to you Your family life is important to you -9 Missing Data 1 True 2 Not true 3 Don't know You feel that you can achieve more with your life You feel that you can achieve more with your life You feel that you can achieve more with your life You feel that you can achieve more with your life You feel that you can achieve more with your life -9 Missing Data 1 True 2 Not true 3 Don't know You have many dreams in life but feel that you may not achieve them You have many dreams in life but feel that you may not achieve them You have many dreams in life but feel that you may not achieve them You have many dreams in life but feel that you may not achieve them You have many dreams in life but feel that you may not achieve them -9 Missing Data 1 True 2 Not true 3 Don't know Other people are often jealous of your success Other people are often jealous of your success Other people are often jealous of your success Other people are often jealous of your success Other people are often jealous of your success -9 Missing Data 1 True 2 Not true 3 Don't know You would rather hide your success You would rather hide your success You would rather hide your success You would rather hide your success You would rather hide your success -9 Missing Data 1 True 2 Not true 3 Don't know You like to attend community events such as weddings and engagements You like to attend community events such as weddings and engagements You like to attend community events such as weddings and engagements You like to attend community events such as weddings and engagements You like to attend community events such as weddings and engagements -9 Missing Data 1 True 2 Not true 3 Don't know Financial success gives you status Financial success gives you status Financial success gives you status Financial success gives you status Financial success gives you status -9 Missing Data 1 True 2 Not true 3 Don't know You do not get bothered with other people's problems You do not get bothered with other people's problems You do not get bothered with other people's problems You do not get bothered with other people's problems You do not get bothered with other people's problems -9 Missing Data 1 True 2 Not true 3 Don't know S13Q5BD.1: How old was/ were these persons? S13Q5BD.1: How old was/ were these persons? S13Q5BD.1: How old was/ were these persons? S13Q5BD.1: How old was/ were these persons? S13Q5BD.1: How old was/ were these persons? -9 Missing Data 1 16 years or older 2 6-15 years 3 5 years and younger S13Q5BD.2: How old was/ were these persons? S13Q5BD.2: How old was/ were these persons? S13Q5BD.2: How old was/ were these persons? S13Q5BD.2: How old was/ were these persons? S13Q5BD.2: How old was/ were these persons? -9 Missing Data 1 16 years or older 2 6-15 years 3 5 years and younger S13Q5BD.3: How old was/ were these persons? S13Q5BD.3: How old was/ were these persons? S13Q5BD.3: How old was/ were these persons? S13Q5BD.3: How old was/ were these persons? S13Q5BD.3: How old was/ were these persons? -9 Missing Data 1 16 years or older 2 6-15 years 3 5 years and younger Final Overall Weight for All 16 years and Above Final Overall Weight for All 16 years and Above Final Overall Weight for All 16 years and Above Final Overall Weight for All 16 years and Above Final Overall Weight for All 16 years and Above Current bank status Current bank status Current bank status Current bank status Current bank status 1 Have/use a bank product 2 Dont currently have/use a bank product but used to have in the past 3 Have never had a bank product Financial access strand Financial access strand Financial access strand Financial access strand Financial access strand 1 Have/use a bank product 2 Dont have/use a bank product but have/use a financial product from a formal non-bank FI 3 Dont have/use a formal financial product but have an informal financial product 4 Dont have/use any financial product Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify Reason Reason Reason Reason Reason -9 Missing Data 1 Medical expenses/medical emergencies 2 An emergency other than medical 3 A wedding or lobola 4 Funeral expenses 5 Education or school fees (self or others) 6 Living expenses when you did not have money 7 To pay water/electricity/telephone bills 8 Farming expenses such as seeds, fertiliser or land preparation or fishing expenses such as nets or boats 9 To buy household goods such as fridge, stove, etc 10 Paying off another debt 11 Buying land 12 Buying or building a dwelling for you to live in 13 Buying a dwelling or land to rent out 14 Improving or renovating your dwelling 15 Buying household appliances, goods or furniture 16 Buying livestock 17 Buying farming equipment or implements 18 Buying a bicycle, motorcycle, car, truck or other transport 19 Starting or expanding your business 20 Putting money or goods into someone else's business 21 To take care of a sick relative/relatives 22 For another person to use 23 Other specify