FinScope 2024, Financial Inclusion in Rwanda RWA-NISR-FINSCOPE-2024-v01 Access to Finance Rwanda

Ministry of Finance and Economic Planning

National Institute of Statistics of Rwanda

Rwanda National Bank

Access to Finance Rwanda Nesstar Publisher FinScope 2024, Financial Inclusion in Rwanda RWA-NISR-FINSCOPE-2024-v01 Access to Finance Rwanda Access to Finance Rwanda Nesstar Publisher Mastercard Foundation Luxembourg Cooperation Jersey Overseas Aid Rwanda Bankers Association National Bank of Rwanda Access to Finance Rwanda v1: Edited anonymous dataset for public distribution Rwanda FinScope data are at the National level coverage Basic units of analyisis were individuals and households. The target population eligible for FinScope survey is every 16 years old and above resident in selected households 2024 Face to Face Microdata.NSDstat 13994 2500 Nesstar 200801 Household identifier 13994 0 1 13994 6997.5 4039.864 A1. Province/Kigali City 13994 0 1 Kigali 1903 2 South 3519 3 West 3023 4 North 2174 5 East 3375 A2. District 13994 0 11 Nyarugenge 448 12 Gasabo 848 13 Kicukiro 607 21 Nyanza 400 22 Gisagara 400 23 Nyaruguru 400 24 Huye 480 25 Nyamagabe 400 26 Ruhango 416 27 Muhanga 400 28 Kamonyi 623 31 Karongi 399 32 Rutsiro 400 33 Rubavu 512 34 Nyabihu 400 35 Ngororero 400 36 Rusizi 480 37 Nyamasheke 432 41 Rulindo 400 42 Gakenke 447 43 Musanze 399 44 Burera 416 45 Gicumbi 512 51 Rwamagana 464 52 Nyagatare 639 53 Gatsibo 400 54 Kayonza 448 55 Kirehe 464 56 Ngoma 400 57 Bugesera 560 Urban_Rural 13994 0 1 Urban 5789 2 Rural 8205 Household weight 13994 0 53.928 711.812 255.502 92.119 Individual weight_16+ years old 13994 0 21.902 5526.045 582.795 526.62 household size 13994 0 1 890 2 1492 3 2501 4 4065 5 3425 6 928 7 452 8 192 9 43 10 6 Sex of household head 13994 0 1 male 10723 2 female 3271 Relationship with the household head 13994 0 1 Household head 7918 2 Spouse/partner 4350 3 Child 1501 4 Parent/parent in-law 55 5 Other relative 164 6 Tenant 5 7 Housekeeper 1 Age of respondent 13994 0 16 99 43.058 16.55 Sex of respondent 13994 0 1 Male 6186 2 Female 7808 Marital status of respondent 13994 0 1 Never married 2478 2 Married 7638 3 Living together 1909 4 Divorced/Separated 594 5 Widow/er 1375 Responsible for money mgmt decisions at HH 13994 0 1 You alone 3615 2 You and your spouse/partner 8031 3 You and other household/family members 802 4 You are not involved in these decisions 894 5 Another family member or (or family members) 652 E1b_1. How much input-in making decisions about household income 13994 0 1 Little or no input in decisions 1865 2 Input into some decision 3054 3 Input into most or all decisions 9075 E1b_2. How much input-in making decisions about large, household purchases 13994 0 1 Little or no input in decisions 1882 2 Input into some decision 3125 3 Input into most or all decisions 8987 E1b_3. How much input-in making decisions about routine household purchases 13994 0 1 Little or no input in decisions 1975 2 Input into some decision 3049 3 Input into most or all decisions 8970 E1c. You have a large degree of control over your current financial situation an 13994 0 1 Yes, have a lot of control over my financial situation 9674 2 Have control over my financial Situation 1807 3 Have some control over my financial Situation 933 4 Have scarce control over my financial situation 826 5 Have no control over my financial situation 754 E2a. Have you got money of your own that you can do with as you wish? 13994 0 1 Yes 7230 2 No 6764 E2b. Why not? 0 0 E2b_1. Do not earn/generate money 6764 7230 0 No 4262 1 Yes 2502 Sysmiss 7230 E2b_2. All money goes into the hh 6764 7230 0 No 2637 1 Yes 4127 Sysmiss 7230 E2b_3. Need permission to spend 6764 7230 0 No 6414 1 Yes 350 Sysmiss 7230 E2b_4. Hand over the money to Head of the Household member 6764 7230 0 No 6620 1 Yes 144 Sysmiss 7230 E2b_5. Other specify 6764 7230 0 No 6524 1 Yes 240 Sysmiss 7230 E2c. Do you save or keep money for different reasons and how often? 13994 0 1 Always 2702 2 Sometimes 7774 3 Do not save 3518 13994 0 1 Always 893 2 Sometimes 5252 3 Do not invest 7849 E2e. You are on track to accomplish your financial goals? 13994 0 1 Yes all 1341 2 Yes, most of them 1893 3 Some of them 3627 4 Seldom 3720 95 None of them 3413 E3. Before you buy something, you carefully consider whether you can afford it? 13994 0 1 Always 7399 2 Almost always 2696 3 Sometime 2479 4 Almost never 658 5 Never 638 99 Do not know 124 E4a. You pay your bills on time? 13994 0 1 Always 4647 2 Almost always 2638 3 Sometime 4386 4 Almost never 1038 5 Never 1119 99 Do not know 166 E4b. Your debt is manageable ? You are able to pay off what you owe when it is d 13994 0 1 Completely 5210 2 Most of it 2137 3 Some of it 2158 4 Barely 2609 5 None of it 1226 97 Not applicable 654 E5. You keep a close personal watch on your financial affairs? 13994 0 1 Always 7176 2 Almost always 2602 3 Sometime 2282 4 Almost never 882 5 Never 894 99 Do not know 158 E6. In the last one year, your financial situation has caused you stress. 13994 0 1 Strongly agree 7499 2 Agree 3479 3 Sometime 1258 4 Disagree 1037 5 Strongly disagree 577 99 Do not know 144 E7.Sometimes people find their income does not quite cover their living cost 13994 0 1 On a monthly basis 7391 2 Someties (more than 2 months past 2 months) 3780 3 Rarely (less than 2 months) 1575 4 Never 1248 E7a. What did you mainly do to pay for things when this happened? 11171 2823 1 Used savings from a bank or other formal financial institution 303 2 An informal institution such as savings group, village association etc 268 3 Sold asset(s) 420 4 Got an advance on your salary 82 5 Borrowed money from a bank or other formal financial institution 157 6 Borrowed money from a group they belong to (savings group, cooperative, community/village/trade association) 2219 7 Borrowed from a moneylender in the community 115 8 Borrowed from savings/thrift collector/merchant 62 9 Borrowed from family/friends 671 10 Cut down on other expenses 1508 11 Bought goods on credit 545 12 Received gifts/donations/contributions from friends/family 229 13 Did nothing specific (waited, prayed) 3475 98 Other, specify 1117 Sysmiss 2823 E7c. I can usually make my money last until the next time I receive income? 13994 0 1 Always 2849 2 Almost always 2098 3 Sometime 3821 4 Almost never 2490 5 Never 2736 E7d. If you lost all your income and had to survive on what you have put aside, 13994 0 1 You could do it 1797 2 You probably could do it 1279 3 You don?t know if I could do it 1080 4 It is very unlikely that you could do it 1381 5 You couldn?t do it 8457 E9a. Compared to one year ago (past 12 months), would you say your financial sta 13994 0 1 Worsened 6457 2 Remained the same 4673 3 Improved 2864 E9b.Have you set aside emergency/rainy-day funds that would cover your expenses 13994 0 1 Yes 3018 2 No 10976 E9c. How difficult would it be for you to come up with 56,000 Rwf within the NEX 13994 0 1 Very difficult 11159 2 Somewhat difficult 1885 3 Not difficult at all 897 99 Do not know 53 E9d. How would you mainly raise this money? 2782 11212 1 Savings from a bank or other financial institution 443 2 An informal institution such as savings group, village association etc. 393 3 Sell asset(s) 403 4 Get an advance on your salary 76 5 Borrow money from a bank or other financial institution 100 6 Borrow money from a group they belong to (savings group, cooperative, community/ 457 7 Borrow from a moneylender in the community 48 8 Borrow from savings/thrift collector/merchant 95 9 Borrow from family/friends 357 10 Gifts/donations/contributions from friends/family 103 98 Other, specify 307 Sysmiss 11212 E9d. Other, specify 307 0 Nothing 65 To reduce expenses 12 To work hard 229 Worked hard 1 E10a1. Have missed more than 2 months debt repayment in the past 12 months 13994 0 1 Yes 2780 2 No 9090 97 Not applicable 2085 99 Do not know 39 E10a2. Have 4 or more credit commitments 13994 0 1 Yes 669 2 No 12809 99 Do not know 516 E10a3. Your credit/borrowing commitments are a heavy burden 13994 0 1 Yes 3295 2 No 7107 96 Refused 1903 97 Not applicable 1689 E10a4. You have enough money left for savings after covering all your spending n 13994 0 1 Yes 2272 2 No 11482 3 Cannot remember 240 E10b_1. Covid-19 effect-Missed payment more than once 13994 0 1 Yes 2469 2 No 8938 97 Not applicable 2479 99 Do not know/cannot remember 108 E10b_2. Covid-19 effect-Missed a payment once since 2020 13994 0 1 Yes 2271 2 No 9108 97 Not applicable 2492 99 Do not know/cannot remember 123 E10b_3. Covid-19 effect-Paid partially of what I was supposed to pay 13994 0 1 Yes 2237 2 No 8960 97 Not applicable 2689 99 Do not know/cannot remember 108 E10b_4. Covid-19 effect-have you requested your service provider for loan restru 13994 0 1 Yes 1738 2 No 9313 97 Not applicable 2837 99 Do not know/cannot remember 106 E10c. For how long was the loan period restructured for? 1738 12256 1 Less than 3 months 711 2 4 to 6 months 550 3 7 to 12 months 175 4 More than 12 months 160 5 Request not succesful 109 6 Cannot remember 33 Sysmiss 12256 E11. Imagine that five friends are given a gift of 20 000 Rwf. If the friends ha 13994 0 1 IF the answer is RWF 4000 = Correct 9830 2 Any other figure = Incorrect 3135 3 Irrelevant answer 460 96 Refused to answer 63 99 Do not know 506 E12. Now imagine that the friends have to wait for one year to get their share o 13994 0 1 More with their share of the money than they could today 1068 2 The same amount 1573 3 Or, less than they could buy today 10409 96 Refused to answer 62 99 Do not know 882 E13. You lend 5 000 Rwf to a friend one evening, and he gives you 5 000 Rwf back 13994 0 1 IF the answer is zero = Correct 11641 2 Incorrect 1269 3 Irrelevant answer 769 96 Refused to answer 46 99 Do not know 269 E14.Please tell me the level of agreement or disagreement with the following 0 13994 Sysmiss 13994 E14_1.You compare different financial service and products and then choose the b 7230 6764 1 Completely agree 1976 2 Agree 2491 3 Disagree 1122 4 Completely disagree 713 99 Don?t know 928 Sysmiss 6764 E14_2.You have used Gereranya (that is a device to compare prices) 7230 6764 1 Completely agree 760 2 Agree 1233 3 Disagree 2185 4 Completely disagree 1541 99 Don?t know 1511 Sysmiss 6764 E14_3.You know what to do for recourse when not satisfied with a financial servi 7230 6764 1 Completely agree 1380 2 Agree 1973 3 Disagree 2021 4 Completely disagree 1014 99 Don?t know 842 Sysmiss 6764 E14_4.You are confident enough to make a complaint against a bank or financial i 7230 6764 1 Completely agree 1319 2 Agree 1894 3 Disagree 2161 4 Completely disagree 1074 99 Don?t know 782 Sysmiss 6764 E14_5.You understand the terms and conditions in the contract with a financial i 7230 6764 1 Completely agree 1355 2 Agree 2009 3 Disagree 1948 4 Completely disagree 1027 99 Don?t know 891 Sysmiss 6764 E15.Transperency,Fair treatment and tracking Money 0 13994 Sysmiss 13994 E15_1. Do you feel that the information on financial products or services bought 13994 0 1 Yes 4645 2 No 2202 4 Do not have any financial products 6756 99 Don?t know 391 E15_2. Have you ever taken a financial product/service and were later on surpris 13994 0 1 Yes 1116 2 No 5854 3 Cannot remember 170 4 Do not have any financial products 6854 E15_3. Were you ever informed of changes to fees/charges of financial product/se 13994 0 1 Yes 2811 2 No 3931 3 Can?t recall 215 4 Do not have any financial products 6811 99 Don?tknow 226 E15_4. Was the information provided to you in a language you understand? 2811 11183 1 Yes 2756 2 No 55 Sysmiss 11183 E15_5. How was the information communicated to you 2756 11238 1 Verbally 1688 2 Written document 976 98 Other (specify) 92 Sysmiss 11238 E15_6. What would you wish to have been informed on? 0 0 e15_6_1. New fees/charges 4372 9622 0 No 2578 1 Yes 1794 Sysmiss 9622 e15_6_2. When it would start 4372 9622 0 No 3346 1 Yes 1026 Sysmiss 9622 e15_6_3. Give me options on payment 4372 9622 0 No 3764 1 Yes 608 Sysmiss 9622 e15_6_4. Fees and charges related to financial products 4372 9622 0 No 3671 1 Yes 701 Sysmiss 9622 e15_6_5. Terms and conditions of financial products 4372 9622 0 No 3212 1 Yes 1160 Sysmiss 9622 e15_6_6. Other (specify) 4372 9622 0 No 4250 1 Yes 122 Sysmiss 9622 E15_7. What was the reason that the information was not understandable? 0 0 e15_7_1. Small font 55 13939 0 No 51 1 Yes 4 Sysmiss 13939 e15_7_2. Crucial elements of information were not disclosed in prominent places 55 13939 0 No 43 1 Yes 12 Sysmiss 13939 e15_7_3. Use of difficult language 55 13939 0 No 43 1 Yes 12 Sysmiss 13939 e15_7_4. Not provided in language I understand 55 13939 0 No 21 1 Yes 34 Sysmiss 13939 e15_7_5. I cannot read, and the information was not explained to me orally 55 13939 0 No 48 1 Yes 7 Sysmiss 13939 e15_7_6. Other (specify) 55 13939 0 No 52 1 Yes 3 Sysmiss 13939 E15_8. Do you trust financial services? advertising? 13994 0 1 Yes 9386 2 No 4608 E15_9. Do you budget for your money? 7230 6764 1 Always 3279 2 Sometimes 2829 3 Never 1122 Sysmiss 6764 E15_10. Do you know how much money you spent personally in the last 7 days? 7230 6764 1 Yes, exactly 3248 2 Yes, I have a rough idea 2006 3 No 1582 4 No expense 394 Sysmiss 6764 E15_11. Do you keep track of money you get and spend? 7230 6764 1 Always 4137 2 Sometimes 2602 3 Never 491 Sysmiss 6764 E15_12. How often do you have some money left after covering all your spending n 7230 6764 1 Always 639 2 Sometimes 4844 3 Never 1747 Sysmiss 6764 E15_13. What do you do with any money you have left over? 0 0 e15_13_1. Save/keep money for different reasons 5483 8511 0 No 1234 1 Yes 4249 Sysmiss 8511 e15_13_2. Invest money in business 5483 8511 0 No 5081 1 Yes 402 Sysmiss 8511 e15_13_3. Invest money in assets 5483 8511 0 No 5090 1 Yes 393 Sysmiss 8511 e15_13_4. Spend money on non-essentials (e.g.,computer, alcohol, hair) 5483 8511 0 No 5305 1 Yes 178 Sysmiss 8511 e15_13_5. Lend it to others 5483 8511 0 No 5406 1 Yes 77 Sysmiss 8511 e15_13_6. Repay debts 5483 8511 0 No 4847 1 Yes 636 Sysmiss 8511 e15_13_7. Other (specify) 5483 8511 0 No 5373 1 Yes 110 Sysmiss 8511 E15_14. Do you feel that financial institutions treat you fairly? 13994 0 1 Yes 7890 2 No 2881 99 Don?t know 3223 E15_15. Have you ever been threatened, or treated in a violent, humiliating mann 13994 0 1 Yes 422 2 No 11578 97 Never used 1994 E15_16. Have you ever been taken advantage of or misguided by a financial servic 13994 0 1 Yes 463 2 No 11533 97 Never used 1998 E15_17. Have you ever been sold a financial product by a financial institution o 13994 0 1 Yes 297 2 No 11724 97 Never used 1973 E15_18.Have you ever been sold a loan without assessing your capability of payin 13994 0 1 Yes 293 2 No 11273 97 Not applicable 2428 13994 0 1 Yes 11219 2 No 2775 E17. Which is the most important/main goal that you are currently trying to achi 11219 2775 1 Buy land 2117 2 Buy or build a house / apartment to live in 2269 3 Buy or build a house / apartment for renting or re-sale 427 4 Move to your own / a better house or apartment 210 5 Pay for a big life event (e.g. wedding, birth of a child) 58 6 Education for self or family 717 7 Pay for holiday / visit / travel 15 8 Buy or pay for things for personal use (e.g. vehicle, TV, phone, furniture, uten 308 9 Buy inputs / assets for business / agricultural activities (e.g. tractor, machin 2105 10 Start or expand a business 2791 98 Other (SPECIFY) 155 99 Don't know 47 Sysmiss 2775 E18. What are you currently doing/ What have you done in the past 12 months to a 0 0 e18_1. Borrowed from a bank or other formal institution 11219 2775 0 No 10411 1 Yes 808 Sysmiss 2775 e18_2. Borrowed from money lender (loan shark) 11219 2775 0 No 11174 1 Yes 45 Sysmiss 2775 e18_3. Borrowed from saving group 11219 2775 0 No 9677 1 Yes 1542 Sysmiss 2775 e18_4. Took a loan/advance from my employer 11219 2775 0 No 11175 1 Yes 44 Sysmiss 2775 e18_5. Borrowed from family/friends/community/church/mosque 11219 2775 0 No 11057 1 Yes 162 Sysmiss 2775 e18_6. Took a loan from a shopkeeper 11219 2775 0 No 11194 1 Yes 25 Sysmiss 2775 e18_7. Borrowed from a digital app-based lender e.g., Mokash 11219 2775 0 No 11180 1 Yes 39 Sysmiss 2775 e18_8. Used savings held at a bank/Insurance provider/Retailer 11219 2775 0 No 11009 1 Yes 210 Sysmiss 2775 e18_9. Used savings from a saving group 11219 2775 0 No 9769 1 Yes 1450 Sysmiss 2775 e18_10. Used savings held with friends/family 11219 2775 0 No 10875 1 Yes 344 Sysmiss 2775 e18_11. Used savings held in a secret hiding place 11219 2775 0 No 11085 1 Yes 134 Sysmiss 2775 e18_12. Sold livestock 11219 2775 0 No 10468 1 Yes 751 Sysmiss 2775 e18_13. Sold other assets, not livestock (e.g., car, business,land) 11219 2775 0 No 11056 1 Yes 163 Sysmiss 2775 e18_14. Got assistance/gift from friends/family/community(which you did not have 11219 2775 0 No 10939 1 Yes 280 Sysmiss 2775 e18_15. Cut back on expenses/adjust consumption patterns 11219 2775 0 No 10404 1 Yes 815 Sysmiss 2775 e18_16. Got goods/items on credit 11219 2775 0 No 11168 1 Yes 51 Sysmiss 2775 e18_17. Worked more/got additional jobs 11219 2775 0 No 7603 1 Yes 3616 Sysmiss 2775 e18_18. Hire purchase 11219 2775 0 No 11042 1 Yes 177 Sysmiss 2775 e18_19. Education insurance 11219 2775 0 No 11212 1 Yes 7 Sysmiss 2775 e18_20. Don't know 11219 2775 0 No 10685 1 Yes 534 Sysmiss 2775 e18_21. Refused to Answer 11219 2775 0 No 11059 1 Yes 160 Sysmiss 2775 e18_22. Other (SPECIFY) 11219 2775 0 No 8800 1 Yes 2419 Sysmiss 2775 E18. Other, specify 2410 0 0 29 Agriculture project 2 Assistance 3 Assistance from Government 21 Assistance from NGOs 7 Assistance from VUP 1 Assistance from anybody 12 Assistance from government 1 Assistance fromGovernment 1 Assisted by VUP 1 Borrowed from Care 1 Building a house 2 Business 3 Community 1 Don't know 1 Expanding agriculture kuburyo nzakuramo ubushobozi 1 Extend my agricultural project 11 Farming 1 From his busines 12 From his business 3 From my business 5 From rent of my huse 1 Girinka ya Leta 1 Good services 1 Invest in agriculture 99 Invest in business 1 Invest in farming 18 Invest in livestock 29 Invest in wood plantation 1 Invest inl business 1 Just thinking on it 83 Loan refused 1 Maintain his wood plantation 1 Money left 1 No money 1 Nothing 1455 Prayer 16 Praying only 2 Raising livestock 32 Rented a land 7 SACCO leading 1 Seeking for a job 23 Set a business 1 Sold Harvests 115 Sold harvests 280 Sold my land 2 Thinking on it 1 Training 1 Used my salary 3 Waiting for a credit 1 Waiting for a refund 1 Waiting for an assistance 21 Waiting for any assistance 46 Waiting for credit 1 Waiting for driving license 2 Waiting for government aid 1 Waiting for my driving license 2 Waiting for training 1 abonye igishoro niyo ntego afite 1 agriculture 1 bought a cow but it died before she could sell 1 bought acow hope to sell in the future 1 bought land 1 bought livestock but they died 1 bought seeds to grow but the harvest wasnt good 1 bought small banana plantation to get the money 1 did nothing specific 1 did nothing specific apart from working harder 1 did nothing specific apart from wroking 1 digukora ibitaka kugira mbone amafraga 1 digushakisha mpinga 1 does have a shop where he retails 1 does have a small shop 1 doing farming and hope to harvest and sell 1 doing nothing 1 doing over time work to get money to save 1 farmed but didnt harvest 1 farmed but the harvest was not good due climate ch 1 farming but natural disasters destroy their yields 1 grow avocados failed to harvests due to lack ferti 1 growing passion fruits,avocado to reach that goal 1 making a budget 1 making mats and selling 1 money got from coffee 1 started saving in the bibina 1 used to be a mobile agent but made loss 1 used to have a bar 1 used to have a shop but it failed later 1 used to sell shoes but then failed 1 xx 6 E19. What is the main device that you used or are using, to pay for 10823 3171 1 Borrowed from a bank or other formal institution 877 2 Borrowed from money lender (loan shark) 15 3 Borrowed from saving group 1131 4 Took a loan / advance from my employer 37 5 Borrowed from family / friends / community / church / mosque 65 6 Took a loan from a shopkeeper 10 7 Borrowed from a digital app-based lender e.g., Mokash 18 8 Used savings held at a bank / Insurance provider / Retailer 192 9 Used savings from a saving group 848 10 Used savings held with friends / family 109 11 Used savings held in a secret hiding place 76 12 Sold livestock 551 13 Sold other assets, not livestock (e.g., car, business, household goods, land) 114 14 Got assistance / gift from friends / family / community (which you did not have to re-pay) 172 15 Cut back on expenses/ adjust consumption patterns 375 16 Got goods/items on credit 14 17 Worked more / got additional jobs 2645 18 Hire purchase 108 19 Education insurance 3 26 Have a goal but doing nothing 3462 98 Other (SPECIFY) 1 Sysmiss 3171 Would like to know your opinions about these statments 0 13994 Sysmiss 13994 e20_01. Women should not have assets that can be used as collateral against thei 13994 0 1 strongly agree 619 2 agree 1254 3 disagree 8806 4 strongly disagree 3315 e20_02. Women should not service a business loan independently. 13994 0 1 strongly agree 482 2 agree 1111 3 disagree 8880 4 strongly disagree 3521 e20_03. Women should seek permission from their family to apply for a business l 13994 0 1 strongly agree 3441 2 agree 5073 3 disagree 4228 4 strongly disagree 1252 e20_04. Women should rely on family for financial support instead of financial s 13994 0 1 strongly agree 1079 2 agree 2503 3 disagree 8153 4 strongly disagree 2259 e20_05. Women should not expose their family to financial risks. 13994 0 1 strongly agree 1800 2 agree 3846 3 disagree 6498 4 strongly disagree 1850 e20_06. Women should not have financial privacy from their family members. 13994 0 1 strongly agree 606 2 agree 1663 3 disagree 8657 4 strongly disagree 3068 e20_07. Women should not manage digital financial service accounts independently 13994 0 1 strongly agree 370 2 agree 1158 3 disagree 9207 4 strongly disagree 3259 e20_08. Women should keep their money in cash/at home. 13994 0 1 strongly agree 1650 2 agree 4003 3 disagree 6309 4 strongly disagree 2032 e20_09. Women should invest all profits into the household. 13994 0 1 strongly agree 1366 2 agree 3226 3 disagree 7419 4 strongly disagree 1983 e20_10. Women should give their income to their partner or a male household memb 13994 0 1 strongly agree 735 2 agree 1985 3 disagree 8025 4 strongly disagree 3249 e20_11. Women should use their income to support relatives and extended family. 13994 0 1 strongly agree 1676 2 agree 5015 3 disagree 5846 4 strongly disagree 1457 e20_12. Women should not make decisions on big expenses or investments. 13994 0 1 strongly agree 411 2 agree 1084 3 disagree 8897 4 strongly disagree 3602 QF1. For each one that I mention, please tell me whether you have ever used a se 0 0 qf1_01. Ever used - Commercial bank 13994 0 0 No 11417 1 Yes 2577 qf1_02. Ever used - Digital bank 13994 0 0 No 13946 1 Yes 48 qf1_03. Ever used - Microfinance institution (non-umurenge) 13994 0 0 No 13158 1 Yes 836 qf1_04. Ever used - Non-Deposit Taking Lending Financial (NDFI) 13994 0 0 No 13940 1 Yes 54 qf1_05. Ever used - Mobile money operator 13994 0 0 No 9079 1 Yes 4915 qf1_06. Ever used - Umurenge SACCO 13994 0 0 No 9822 1 Yes 4172 qf1_07. Ever used - Insurance provider 13994 0 0 No 13796 1 Yes 198 qf1_08. Ever used - Pension fund administrator 13994 0 0 No 13766 1 Yes 228 13994 0 0 No 12271 1 Yes 1723 qf1_10. Ever used - Savings group that you save with or borrow from 13994 0 0 No 6968 1 Yes 7026 qf1_11. Ever used - Village/community association 13994 0 0 No 12828 1 Yes 1166 qf1_12. Ever used - None of the above 13994 0 0 No 11315 1 Yes 2679 Does the instituion used offer services electronically? 0 0 qf2_01. Offer services electronically - Commercial bank 2577 11417 1 Yes 2345 2 No 232 Sysmiss 11417 qf2_02. Offer services electronically - Digital Banking 48 13946 1 Yes 42 2 No 6 Sysmiss 13946 qf2_03. Offer services electronically - Microfinance institution(non-umurenge) 836 13158 1 Yes 557 2 No 279 Sysmiss 13158 qf2_04. Offer services electronically - Non-Deposit Lending Financial(NDFI) 54 13940 1 Yes 26 2 No 28 Sysmiss 13940 qf2_05. Offer services electronically - Mobile money operator 4915 9079 1 Yes 4383 2 No 532 Sysmiss 9079 qf2_06. Offer services electronically - Umurenge Sacco 4172 9822 1 Yes 1274 2 No 2898 Sysmiss 9822 qf2_10. Offer services electronically - Savings group 7026 6968 1 Yes 1009 2 No 6017 Sysmiss 6968 qf2_11. Offer services electronically - Village/community association 1166 12828 1 Yes 126 2 No 1040 Sysmiss 12828 Do you have an account registered in your name with 0 0 qf3_01. Account registered in own name - Commercial bank 2577 11417 1 Yes 2441 2 No 136 Sysmiss 11417 qf3_02. Account registered in own name- Digital bank 48 13946 1 Yes 46 2 No 2 Sysmiss 13946 qf3_03. Account registered in own name - Microfinance institution (non-umurenge) 836 13158 1 Yes 771 2 No 65 Sysmiss 13158 qf3_04. Account registered in own name - Non-Deposit Taking Lending Financial (N 54 13940 1 Yes 48 2 No 6 Sysmiss 13940 qf3_05. Account registered in own name - Mobile money operator 4915 9079 1 Yes 4740 2 No 175 Sysmiss 9079 qf3_06. Account registered in own name - Umurenge SACCO 4172 9822 1 Yes 3872 2 No 300 Sysmiss 9822 qf3_07. Account registered in own name - Insurance provider 198 13796 1 Yes 143 2 No 55 Sysmiss 13796 qf3_08. Account registered in own name - Pension fund administrator 228 13766 1 Yes 216 2 No 12 Sysmiss 13766 1723 12271 1 Yes 1551 2 No 172 Sysmiss 12271 qf3_10. Account registered in own name - Savings group that you save with or bor 7026 6968 1 Yes 3804 2 No 3222 Sysmiss 6968 1166 12828 1 Yes 470 2 No 696 Sysmiss 12828 qf4_01. Do you currently use - Commercial bank 2577 11417 1 Yes 2183 2 No 394 Sysmiss 11417 qf4_02. Do you currently use - Digital bank 48 13946 1 Yes 45 2 No 3 Sysmiss 13946 qf4_03. Do you currently use - Microfinance institution (non-umurenge) 836 13158 1 Yes 728 2 No 108 Sysmiss 13158 qf4_04. Do you currently use - Non-Deposit Taking Lending Financial (NDFI) 54 13940 1 Yes 39 2 No 15 Sysmiss 13940 qf4_05. Do you currently use - Mobile money operator 4915 9079 1 Yes 4720 2 No 195 Sysmiss 9079 qf4_06. Do you currently use - Umurenge SACCO 4172 9822 1 Yes 3383 2 No 789 Sysmiss 9822 qf4_07. Do you currently use - Insurance provider 198 13796 1 Yes 175 2 No 23 Sysmiss 13796 qf4_08. Do you currently use - Pension fund administrator 228 13766 1 Yes 206 2 No 22 Sysmiss 13766 1723 12271 1 Yes 1482 2 No 241 Sysmiss 12271 qf4_10. Do you currently use - Savings group that you save with or borrow from 7026 6968 1 Yes 6655 2 No 371 Sysmiss 6968 qf4_11. Do you currently use - Village/community association 1166 12828 1 Yes 1110 2 No 56 Sysmiss 12828 QF5. Which of the following activities have you ever done using a [insert name o 0 0 qf5_01_1. Commercial bank-Deposited or withdrew money 2577 11417 0 No 288 1 Yes 2289 Sysmiss 11417 qf5_01_2. Commercial bank-Bought airtime top-ups or paid a mobile phone bill 2577 11417 0 No 2387 1 Yes 190 Sysmiss 11417 qf5_01_3. Commercial bank-Paid school fees 2577 11417 0 No 2355 1 Yes 222 Sysmiss 11417 qf5_01_4. Commercial bank-Paid a bill for medical treatment, housing, trash coll 2577 11417 0 No 2461 1 Yes 116 Sysmiss 11417 qf5_01_5. Commercial bank-Paid a tax, fine, fee, or other payment to the governm 2577 11417 0 No 2473 1 Yes 104 Sysmiss 11417 qf5_01_6. Commercial bank-Sent money to, or received money from someone 2577 11417 0 No 2235 1 Yes 342 Sysmiss 11417 qf5_01_7. Commercial bank-Received money from the government 2577 11417 0 No 2465 1 Yes 112 Sysmiss 11417 qf5_01_8. Commercial bank-Received wages from an employer 2577 11417 0 No 2148 1 Yes 429 Sysmiss 11417 qf5_01_9. Commercial bank-Made insurance payments or received claims on insuranc 2577 11417 0 No 2534 1 Yes 43 Sysmiss 11417 qf5_01_10. Commercial bank-Borrowed money 2577 11417 0 No 1894 1 Yes 683 Sysmiss 11417 qf5_01_11. Commercial bank-Saved money 2577 11417 0 No 1346 1 Yes 1231 Sysmiss 11417 qf5_01_12. Commercial bank-Made an investment 2577 11417 0 No 2520 1 Yes 57 Sysmiss 11417 qf5_01_13. Commercial bank-Paid for goods or services at a store, shop, restaura 2577 11417 0 No 2523 1 Yes 54 Sysmiss 11417 qf5_01_14. Commercial bank-Made pension payment or retirement savings 2577 11417 0 No 2521 1 Yes 56 Sysmiss 11417 qf5_01_15. Commercial bank-Never used any service in this institution 2577 11417 0 No 2557 1 Yes 20 Sysmiss 11417 QF5. Which of the following activities have you ever done using a [insert name o 48 0 A 17 AB 1 ABCDEFG 2 ABCDFGHIK 4 ACJK 2 AF 2 AJ 5 AJK 5 AK 3 AKL 1 H 1 JK 3 O 2 qf5_02_1. Digital bank-Deposited or withdrew money 48 13946 0 No 6 1 Yes 42 Sysmiss 13946 qf5_02_2. Digital bank-Bought airtime top-ups or paid a mobile phone bill 48 13946 0 No 41 1 Yes 7 Sysmiss 13946 qf5_02_3. Digital bank-Paid school fees 48 13946 0 No 40 1 Yes 8 Sysmiss 13946 qf5_02_4. Digital bank-Paid a bill for medical treatment, housing, trash collect 48 13946 0 No 42 1 Yes 6 Sysmiss 13946 qf5_02_5. Digital bank-Paid a tax, fine, fee, or other payment to the government 48 13946 0 No 46 1 Yes 2 Sysmiss 13946 qf5_02_6. Digital bank-Sent money to, or received money from someone 48 13946 0 No 40 1 Yes 8 Sysmiss 13946 qf5_02_7. Digital bank-Received money from the government 48 13946 0 No 42 1 Yes 6 Sysmiss 13946 qf5_02_8. Digital bank-Received wages from an employer 48 13946 0 No 43 1 Yes 5 Sysmiss 13946 qf5_02_9. Digital bank-Made insurance payments or received claims on insurance 48 13946 0 No 44 1 Yes 4 Sysmiss 13946 qf5_02_10. Digital bank-Borrowed money 48 13946 0 No 33 1 Yes 15 Sysmiss 13946 qf5_02_11. Digital bank-Saved money 48 13946 0 No 30 1 Yes 18 Sysmiss 13946 qf5_02_12. Digital bank-Made an investment 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 qf5_02_13. Digital bank-Paid for goods or services at a store, shop, restaurant 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf5_02_14. Digital bank-Made pension payment or retirement savings 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf5_02_15. Digital bank-Never used any service in this institution 48 13946 0 No 46 1 Yes 2 Sysmiss 13946 QF5. Which of the following activities have you ever done using a [insert name o 836 0 A 145 AB 1 ABCDFGHJK 4 ABCDFK 2 ABCDGJK 1 ABCEFGHIJKN 2 ABCFGHIJK 1 ABCHJ 1 ABCHJK 1 ABCJK 1 ABDFG 3 ABDHJKN 1 ABDJK 4 ABDK 1 ABEH 1 ABFGJ 2 ABFK 2 ABHJKLN 1 ABHK 2 ABJ 1 ABJK 4 ABKLM 1 ACDHJ 1 ACJKL 1 ACK 1 ADH 2 AEJK 2 AF 2 AFG 1 AFGHJKN 1 AFGJ 1 AFGJK 1 AFHJ 2 AFHJK 8 AFJ 1 AFJK 3 AFK 9 AGHJ 1 AGJ 2 AGJK 1 AGJKL 1 AGK 1 AH 22 AHJ 4 AHJK 8 AHK 10 AHKL 2 AHN 1 AIJ 1 AIJK 1 AIK 1 AJ 65 AJK 190 AJKL 4 AJKM 5 AJN 1 AK 148 AKL 2 AKM 1 CK 1 DJLM 2 FJ 1 G 7 GJ 2 H 24 HIJK 1 HJ 4 HJK 11 HK 3 J 18 JK 44 JM 2 K 18 KM 1 M 2 O 5 qf5_03_1. Microfinance institution (non-umurenge)-Deposited or withdrew money 836 13158 0 No 146 1 Yes 690 Sysmiss 13158 qf5_03_2. Microfinance institution (non-umurenge)-Bought airtime top-ups or paid 836 13158 0 No 799 1 Yes 37 Sysmiss 13158 qf5_03_3. Microfinance institution (non-umurenge)-Paid school fees 836 13158 0 No 819 1 Yes 17 Sysmiss 13158 qf5_03_4. Microfinance institution (non-umurenge)-Paid a bill for medical treatm 836 13158 0 No 815 1 Yes 21 Sysmiss 13158 qf5_03_5. Microfinance institution (non-umurenge)-Paid a tax, fine, fee, or othe 836 13158 0 No 831 1 Yes 5 Sysmiss 13158 qf5_03_6. Microfinance institution (non-umurenge)-Sent money to, or received mon 836 13158 0 No 790 1 Yes 46 Sysmiss 13158 qf5_03_7. Microfinance institution (non-umurenge)-Received money from the govern 836 13158 0 No 804 1 Yes 32 Sysmiss 13158 qf5_03_8. Microfinance institution (non-umurenge)-Received wages from an employe 836 13158 0 No 717 1 Yes 119 Sysmiss 13158 qf5_03_9. Microfinance institution (non-umurenge)-Made insurance payments or rec 836 13158 0 No 829 1 Yes 7 Sysmiss 13158 qf5_03_10. Microfinance institution (non-umurenge)-Borrowed money 836 13158 0 No 422 1 Yes 414 Sysmiss 13158 qf5_03_11. Microfinance institution (non-umurenge)-Saved money 836 13158 0 No 328 1 Yes 508 Sysmiss 13158 qf5_03_12. Microfinance institution (non-umurenge)-Made an investment 836 13158 0 No 822 1 Yes 14 Sysmiss 13158 qf5_03_13. Microfinance institution (non-umurenge)-Paid for goods or services at 836 13158 0 No 822 1 Yes 14 Sysmiss 13158 qf5_03_14. Microfinance institution (non-umurenge)-Made pension payment or retir 836 13158 0 No 829 1 Yes 7 Sysmiss 13158 qf5_03_15. Microfinance institution (non-umurenge)-Never used any service in thi 836 13158 0 No 831 1 Yes 5 Sysmiss 13158 QF5. Which of the following activities have you ever done using a [insert name o 54 0 A 9 ABCDEFHIJKLMN 1 ABD 1 ADEFGHKL 2 AH 1 AJ 6 AJK 2 AJKLN 1 AK 13 BI 1 J 7 JK 5 K 4 O 1 qf5_04_1. Non-Deposit Taking Lending Financial (NDFI) -Deposited or withdrew mon 54 13940 0 No 18 1 Yes 36 Sysmiss 13940 qf5_04_2. Non-Deposit Taking Lending Financial (NDFI) -Bought airtime top-ups or 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 qf5_04_3. Non-Deposit Taking Lending Financial (NDFI) -Paid school fees 54 13940 0 No 53 1 Yes 1 Sysmiss 13940 qf5_04_4. Non-Deposit Taking Lending Financial (NDFI) -Paid a bill for medical t 54 13940 0 No 50 1 Yes 4 Sysmiss 13940 qf5_04_5. Non-Deposit Taking Lending Financial (NDFI) -Paid a tax, fine, fee, or 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 qf5_04_6. Non-Deposit Taking Lending Financial (NDFI) -Sent money to, or receive 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 qf5_04_7. Non-Deposit Taking Lending Financial (NDFI) -Received money from the g 54 13940 0 No 52 1 Yes 2 Sysmiss 13940 qf5_04_8. Non-Deposit Taking Lending Financial (NDFI) -Received wages from an em 54 13940 0 No 50 1 Yes 4 Sysmiss 13940 qf5_04_9. Non-Deposit Taking Lending Financial (NDFI) -Made insurance payments o 54 13940 0 No 52 1 Yes 2 Sysmiss 13940 qf5_04_10. Non-Deposit Taking Lending Financial (NDFI) -Borrowed money 54 13940 0 No 32 1 Yes 22 Sysmiss 13940 qf5_04_11. Non-Deposit Taking Lending Financial (NDFI) -Saved money 54 13940 0 No 26 1 Yes 28 Sysmiss 13940 qf5_04_12. Non-Deposit Taking Lending Financial (NDFI) -Made an investment 54 13940 0 No 50 1 Yes 4 Sysmiss 13940 qf5_04_13. Non-Deposit Taking Lending Financial (NDFI) -Paid for goods or servic 54 13940 0 No 53 1 Yes 1 Sysmiss 13940 qf5_04_14. Non-Deposit Taking Lending Financial (NDFI) -Made pension payment or 54 13940 0 No 52 1 Yes 2 Sysmiss 13940 qf5_04_15. Non-Deposit Taking Lending Financial (NDFI) -Never used any service i 54 13940 0 No 53 1 Yes 1 Sysmiss 13940 QF5. Which of the following activities have you ever done using a [insert name o 4915 0 A 1090 AB 183 ABC 4 ABCD 2 ABCDE 4 ABCDEF 6 ABCDEFGHIKM 1 ABCDEFGJKM 1 ABCDEFHIJKLM 2 ABCDEFIJK 1 ABCDEFIKM 4 ABCDEFJ 1 ABCDEFJK 4 ABCDEFK 3 ABCDEFKLM 1 ABCDEFKM 2 ABCDEFM 4 ABCDEKM 4 ABCDF 9 ABCDFGHIK 1 ABCDFGIK 1 ABCDFGJ 4 ABCDFGJKM 3 ABCDFHIKLM 1 ABCDFHJ 2 ABCDFHJK 1 ABCDFHKM 1 ABCDFHM 2 ABCDFI 2 ABCDFIJK 3 ABCDFIKM 1 ABCDFJ 1 ABCDFJK 4 ABCDFJKM 7 ABCDFJM 6 ABCDFK 8 ABCDFKM 8 ABCDFKMN 1 ABCDFM 8 ABCDH 1 ABCDHJK 1 ABCDIKM 1 ABCDJ 1 ABCDK 2 ABCDKM 1 ABCEFGHJK 2 ABCEFJKM 1 ABCEFK 1 ABCEJKM 1 ABCF 7 ABCFJK 1 ABCFK 2 ABCFKM 1 ABCFM 2 ABCJ 1 ABCJK 3 ABCK 3 ABD 30 ABDE 1 ABDEF 14 ABDEFG 1 ABDEFGHJK 2 ABDEFGHK 1 ABDEFGJ 1 ABDEFGJK 3 ABDEFGKM 1 ABDEFH 1 ABDEFHIM 1 ABDEFHJK 1 ABDEFHK 2 ABDEFI 2 ABDEFIJK 5 ABDEFIJKM 2 ABDEFIM 1 ABDEFJ 1 ABDEFJK 10 ABDEFJKLM 2 ABDEFJKM 6 ABDEFJM 6 ABDEFK 17 ABDEFKL 2 ABDEFKLM 3 ABDEFKM 27 ABDEFM 15 ABDEIJKLM 2 ABDEJK 3 ABDEJKM 1 ABDEK 1 ABDEKM 10 ABDEM 1 ABDF 127 ABDFG 6 ABDFGJK 1 ABDFGJKMN 3 ABDFGJM 1 ABDFGK 1 ABDFGKM 2 ABDFGKN 1 ABDFH 5 ABDFHJKM 2 ABDFHK 2 ABDFHKM 4 ABDFHM 5 ABDFI 2 ABDFIJ 1 ABDFIJK 4 ABDFIJKL 1 ABDFIJKLM 1 ABDFIJKM 4 ABDFIKM 1 ABDFJ 11 ABDFJK 22 ABDFJKL 5 ABDFJKLM 4 ABDFJKM 25 ABDFJKMN 3 ABDFJM 9 ABDFK 75 ABDFKLM 1 ABDFKM 79 ABDFKMN 1 ABDFKN 1 ABDFLM 1 ABDFM 113 ABDGKM 3 ABDHJK 3 ABDHK 3 ABDIK 2 ABDIKM 1 ABDJ 6 ABDJK 8 ABDJKL 1 ABDJKLM 1 ABDJKM 7 ABDJM 1 ABDK 24 ABDKM 18 ABDM 7 ABE 1 ABEF 3 ABEFGJK 1 ABEFGK 2 ABEFJK 3 ABEFJKL 1 ABEFK 5 ABEFKLM 1 ABEFM 1 ABEJM 2 ABEK 1 ABEKM 3 ABEM 1 ABF 231 ABFG 4 ABFGH 1 ABFGHKM 1 ABFGI 1 ABFGJ 2 ABFGK 2 ABFH 3 ABFHJK 2 ABFHJKL 1 ABFHJKM 1 ABFHK 5 ABFHM 5 ABFHMN 1 ABFIJKM 2 ABFJ 22 ABFJK 38 ABFJKL 1 ABFJKM 15 ABFJM 3 ABFK 82 ABFKM 47 ABFL 3 ABFM 81 ABFMN 1 ABG 3 ABGJ 1 ABGK 2 ABGM 1 ABH 1 ABHK 3 ABJ 12 ABJK 27 ABJKM 9 ABK 82 ABKM 19 ABLM 1 ABM 4 ABO 1 AC 4 ACD 2 ACDEF 2 ACDEFHIJKM 2 ACDEFK 1 ACDF 6 ACDFHK 1 ACDFJK 2 ACDFJKM 3 ACDFM 1 ACDJK 2 ACDKM 1 ACE 3 ACF 6 ACFJK 1 ACFK 1 ACJK 1 ACK 2 AD 42 ADE 1 ADEF 11 ADEFHJKM 2 ADEFJK 2 ADEFJKM 2 ADEFK 2 ADEFKLM 2 ADEFM 3 ADEGH 1 ADEJK 2 ADEJM 2 ADEK 1 ADF 89 ADFGJ 1 ADFGJKM 1 ADFH 1 ADFHK 5 ADFHKM 3 ADFIJKL 1 ADFJ 9 ADFJK 30 ADFJKL 7 ADFJKLM 2 ADFJKM 6 ADFJM 1 ADFK 55 ADFKL 3 ADFKM 9 ADFM 9 ADH 2 ADHK 2 ADIK 4 ADJ 6 ADJK 4 ADJKL 1 ADJKM 2 ADK 20 ADKLM 2 ADKM 3 ADM 2 AE 3 AEF 2 AEFJK 2 AEJK 2 AEK 4 AF 387 AFG 14 AFGHK 1 AFGJK 1 AFGK 1 AFH 7 AFHK 5 AFHM 2 AFJ 27 AFJK 75 AFJKL 1 AFJKM 4 AFJM 1 AFK 151 AFKLM 1 AFKM 19 AFM 12 AG 8 AGH 1 AGK 2 AH 10 AHJK 1 AHK 5 AI 1 AJ 33 AJK 95 AJKL 9 AJKM 4 AK 269 AKL 3 AKM 5 AKO 1 AL 2 AM 6 AO 2 B 24 BC 1 BCDEFJKM 1 BD 2 BDF 5 BDFH 1 BDFHK 1 BDFJK 5 BDFK 4 BDFKM 1 BDFM 7 BDK 1 BDM 5 BEF 2 BEFHIL 2 BEFJK 2 BEFK 1 BF 15 BFG 2 BFGJK 1 BFH 1 BFHM 1 BFK 4 BFM 5 BH 1 BJK 1 BK 2 BM 1 CF 2 CJK 1 D 3 DEFJKM 1 DF 9 DFK 4 E 2 F 115 FG 3 FGK 1 FHK 1 FJ 7 FJK 3 FJKM 1 FK 29 FM 2 G 20 GH 1 GO 3 H 3 HK 4 I 2 J 4 JK 14 JKM 1 K 26 M 2 O 25 qf5_05_1. Mobile money operator-Deposited or withdrew money 4915 9079 0 No 388 1 Yes 4527 Sysmiss 9079 qf5_05_2. Mobile money operator-Bought airtime top-ups or paid a mobile phone bi 4915 9079 0 No 2952 1 Yes 1963 Sysmiss 9079 qf5_05_3. Mobile money operator-Paid school fees 4915 9079 0 No 4719 1 Yes 196 Sysmiss 9079 qf5_05_4. Mobile money operator-Paid a bill for medical treatment, housing, tras 4915 9079 0 No 3583 1 Yes 1332 Sysmiss 9079 qf5_05_5. Mobile money operator-Paid a tax, fine, fee, or other payment to the g 4915 9079 0 No 4638 1 Yes 277 Sysmiss 9079 qf5_05_6. Mobile money operator-Sent money to, or received money from someone 4915 9079 0 No 2337 1 Yes 2578 Sysmiss 9079 qf5_05_7. Mobile money operator-Received money from the government 4915 9079 0 No 4792 1 Yes 123 Sysmiss 9079 qf5_05_8. Mobile money operator-Received wages from an employer 4915 9079 0 No 4777 1 Yes 138 Sysmiss 9079 qf5_05_9. Mobile money operator-Made insurance payments or received claims on in 4915 9079 0 No 4852 1 Yes 63 Sysmiss 9079 qf5_05_10. Mobile money operator-Borrowed money 4915 9079 0 No 4163 1 Yes 752 Sysmiss 9079 qf5_05_11. Mobile money operator-Saved money 4915 9079 0 No 3100 1 Yes 1815 Sysmiss 9079 qf5_05_12. Mobile money operator-Made an investment 4915 9079 0 No 4843 1 Yes 72 Sysmiss 9079 qf5_05_13. Mobile money operator-Paid for goods or services at a store, shop, re 4915 9079 0 No 4137 1 Yes 778 Sysmiss 9079 qf5_05_14. Mobile money operator-Made pension payment or retirement savings 4915 9079 0 No 4903 1 Yes 12 Sysmiss 9079 qf5_05_15. Mobile money operator-Never used any service in this institution 4915 9079 0 No 4883 1 Yes 32 Sysmiss 9079 QF5. Which of the following activities have you ever done using a [insert name o 0 0 qf5_06_1. Umurenge SACCO-Deposited or withdrew money 4172 9822 0 No 1115 1 Yes 3057 Sysmiss 9822 qf5_06_2. Umurenge SACCO-Bought airtime top-ups or paid a mobile phone bill 4172 9822 0 No 4155 1 Yes 17 Sysmiss 9822 qf5_06_3. Umurenge SACCO-Paid school fees 4172 9822 0 No 4101 1 Yes 71 Sysmiss 9822 qf5_06_4. Umurenge SACCO-Paid a bill for medical treatment, housing, trash colle 4172 9822 0 No 4126 1 Yes 46 Sysmiss 9822 qf5_06_5. Umurenge SACCO-Paid a tax, fine, fee, or other payment to the governme 4172 9822 0 No 4152 1 Yes 20 Sysmiss 9822 qf5_06_6. Umurenge SACCO-Sent money to, or received money from someone 4172 9822 0 No 4048 1 Yes 124 Sysmiss 9822 qf5_06_7. Umurenge SACCO-Received money from the government 4172 9822 0 No 3625 1 Yes 547 Sysmiss 9822 qf5_06_8. Umurenge SACCO-Received wages from an employer 4172 9822 0 No 3774 1 Yes 398 Sysmiss 9822 qf5_06_9. Umurenge SACCO-Made insurance payments or received claims on insurance 4172 9822 0 No 4144 1 Yes 28 Sysmiss 9822 qf5_06_10. Umurenge SACCO-Borrowed money 4172 9822 0 No 3076 1 Yes 1096 Sysmiss 9822 qf5_06_11. Umurenge SACCO-Saved money 4172 9822 0 No 2405 1 Yes 1767 Sysmiss 9822 qf5_06_12. Umurenge SACCO-Made an investment 4172 9822 0 No 4132 1 Yes 40 Sysmiss 9822 qf5_06_13. Umurenge SACCO-Paid for goods or services at a store, shop, restauran 4172 9822 0 No 4147 1 Yes 25 Sysmiss 9822 qf5_06_14. Umurenge SACCO-Made pension payment or retirement savings 4172 9822 0 No 4152 1 Yes 20 Sysmiss 9822 qf5_06_15. Umurenge SACCO-Never used any service in this institution 4172 9822 0 No 4115 1 Yes 57 Sysmiss 9822 QF5. Which of the following activities have you ever done using a [insert name o 198 0 A 8 ABCDJKLN 1 AD 2 AGHIJKN 1 AK 3 AM 2 C 4 CDI 2 D 17 DI 4 DK 1 EI 1 G 1 GK 1 I 55 IK 4 J 3 JK 6 JKM 2 K 48 KN 1 N 12 O 19 qf5_07_1. Insurance provider-Deposited or withdrew money 198 13796 0 No 181 1 Yes 17 Sysmiss 13796 qf5_07_2. Insurance provider-Bought airtime top-ups or paid a mobile phone bill 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf5_07_3. Insurance provider-Paid school fees 198 13796 0 No 191 1 Yes 7 Sysmiss 13796 qf5_07_4. Insurance provider-Paid a bill for medical treatment, housing, trash c 198 13796 0 No 171 1 Yes 27 Sysmiss 13796 qf5_07_5. Insurance provider-Paid a tax, fine, fee, or other payment to the gove 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf5_07_6. Insurance provider-Sent money to, or received money from someone 198 13796 0 No 198 1 Yes 0 Sysmiss 13796 qf5_07_7. Insurance provider-Received money from the government 198 13796 0 No 195 1 Yes 3 Sysmiss 13796 qf5_07_8. Insurance provider-Received wages from an employer 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf5_07_9. Insurance provider-Made insurance payments or received claims on insur 198 13796 0 No 131 1 Yes 67 Sysmiss 13796 qf5_07_10. Insurance provider-Borrowed money 198 13796 0 No 185 1 Yes 13 Sysmiss 13796 qf5_07_11. Insurance provider-Saved money 198 13796 0 No 130 1 Yes 68 Sysmiss 13796 qf5_07_12. Insurance provider-Made an investment 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf5_07_13. Insurance provider-Paid for goods or services at a store, shop, resta 198 13796 0 No 194 1 Yes 4 Sysmiss 13796 qf5_07_14. Insurance provider-Made pension payment or retirement savings 198 13796 0 No 183 1 Yes 15 Sysmiss 13796 qf5_07_15. Insurance provider-Never used any service in this institution 198 13796 0 No 179 1 Yes 19 Sysmiss 13796 QF5. Which of the following activities have you ever done using a [insert name o 228 0 A 10 AK 3 AN 2 B 1 CKN 1 DK 1 FK 2 G 10 GH 2 GN 3 HIN 2 I 6 J 5 K 102 KN 13 N 57 O 8 qf5_08_1. Pension fund administrator-Deposited or withdrew money 228 13766 0 No 213 1 Yes 15 Sysmiss 13766 qf5_08_2. Pension fund administrator-Bought airtime top-ups or paid a mobile pho 228 13766 0 No 227 1 Yes 1 Sysmiss 13766 qf5_08_3. Pension fund administrator-Paid school fees 228 13766 0 No 227 1 Yes 1 Sysmiss 13766 qf5_08_4. Pension fund administrator-Paid a bill for medical treatment, housing, 228 13766 0 No 227 1 Yes 1 Sysmiss 13766 qf5_08_5. Pension fund administrator-Paid a tax, fine, fee, or other payment to 228 13766 0 No 228 1 Yes 0 Sysmiss 13766 qf5_08_6. Pension fund administrator-Sent money to, or received money from someo 228 13766 0 No 226 1 Yes 2 Sysmiss 13766 qf5_08_7. Pension fund administrator-Received money from the government 228 13766 0 No 213 1 Yes 15 Sysmiss 13766 qf5_08_8. Pension fund administrator-Received wages from an employer 228 13766 0 No 224 1 Yes 4 Sysmiss 13766 qf5_08_9. Pension fund administrator-Made insurance payments or received claims 228 13766 0 No 220 1 Yes 8 Sysmiss 13766 qf5_08_10. Pension fund administrator-Borrowed money 228 13766 0 No 223 1 Yes 5 Sysmiss 13766 qf5_08_11. Pension fund administrator-Saved money 228 13766 0 No 106 1 Yes 122 Sysmiss 13766 qf5_08_12. Pension fund administrator-Made an investment 228 13766 0 No 228 1 Yes 0 Sysmiss 13766 qf5_08_13. Pension fund administrator-Paid for goods or services at a store, sho 228 13766 0 No 228 1 Yes 0 Sysmiss 13766 qf5_08_14. Pension fund administrator-Made pension payment or retirement savings 228 13766 0 No 150 1 Yes 78 Sysmiss 13766 qf5_08_15. Pension fund administrator-Never used any service in this institution 228 13766 0 No 220 1 Yes 8 Sysmiss 13766 QF5. Which of the following activities have you ever done using a [insert name o 1723 0 A 49 ADG 3 AIKL 1 AJK 6 AK 20 AKN 1 AN 2 CN 1 DK 1 E 1 EK 3 G 5 GK 2 GN 2 HK 1 HN 1 I 18 IK 11 IN 1 IO 1 J 17 JK 8 JKN 1 JN 5 K 1209 KL 4 KLN 1 KN 68 KO 2 L 1 N 252 O 25 qf5_09_1. Long-Term Saving Scheme (EJOHEZA)-Deposited or withdrew money 1723 12271 0 No 1641 1 Yes 82 Sysmiss 12271 qf5_09_2. Long-Term Saving Scheme (EJOHEZA)-Bought airtime top-ups or paid a mob 1723 12271 0 No 1723 1 Yes 0 Sysmiss 12271 qf5_09_3. Long-Term Saving Scheme (EJOHEZA)-Paid school fees 1723 12271 0 No 1722 1 Yes 1 Sysmiss 12271 qf5_09_4. Long-Term Saving Scheme (EJOHEZA)-Paid a bill for medical treatment, h 1723 12271 0 No 1719 1 Yes 4 Sysmiss 12271 qf5_09_5. Long-Term Saving Scheme (EJOHEZA)-Paid a tax, fine, fee, or other paym 1723 12271 0 No 1719 1 Yes 4 Sysmiss 12271 qf5_09_6. Long-Term Saving Scheme (EJOHEZA)-Sent money to, or received money fro 1723 12271 0 No 1723 1 Yes 0 Sysmiss 12271 qf5_09_7. Long-Term Saving Scheme (EJOHEZA)-Received money from the government 1723 12271 0 No 1711 1 Yes 12 Sysmiss 12271 qf5_09_8. Long-Term Saving Scheme (EJOHEZA)-Received wages from an employer 1723 12271 0 No 1721 1 Yes 2 Sysmiss 12271 qf5_09_9. Long-Term Saving Scheme (EJOHEZA)-Made insurance payments or received 1723 12271 0 No 1691 1 Yes 32 Sysmiss 12271 qf5_09_10. Long-Term Saving Scheme (EJOHEZA)-Borrowed money 1723 12271 0 No 1686 1 Yes 37 Sysmiss 12271 qf5_09_11. Long-Term Saving Scheme (EJOHEZA)-Saved money 1723 12271 0 No 384 1 Yes 1339 Sysmiss 12271 qf5_09_12. Long-Term Saving Scheme (EJOHEZA)-Made an investment 1723 12271 0 No 1716 1 Yes 7 Sysmiss 12271 qf5_09_13. Long-Term Saving Scheme (EJOHEZA)-Paid for goods or services at a sto 1723 12271 0 No 1723 1 Yes 0 Sysmiss 12271 qf5_09_14. Long-Term Saving Scheme (EJOHEZA)-Made pension payment or retirement 1723 12271 0 No 1388 1 Yes 335 Sysmiss 12271 qf5_09_15. Long-Term Saving Scheme (EJOHEZA)-Never used any service in this inst 1723 12271 0 No 1695 1 Yes 28 Sysmiss 12271 QF5. Which of the following activities have you ever done using a [insert name o 7026 0 A 514 AB 1 ABCDFIK 1 ABCF 1 ABCK 1 ABDF 1 ABDFG 3 ABFKM 1 ABJK 3 ABJKL 1 ABK 1 AC 3 ACD 2 ACDEK 1 ACDFK 1 ACDJ 1 ACDK 1 ACF 1 ACI 1 ACJK 1 ACK 1 AD 3 ADEFK 1 ADEJ 1 ADJ 2 ADJK 14 ADK 2 AF 2 AFIJKL 1 AFJK 1 AFJKL 1 AHJ 1 AI 4 AIJ 3 AIJK 7 AIK 3 AJ 86 AJK 773 AJKL 37 AJKN 5 AK 248 AKL 5 AKM 4 AKN 1 AKO 1 AO 3 BJK 1 BK 1 C 3 CD 1 CDEIK 1 CDF 1 CIJK 1 CJK 6 CK 6 CKL 1 CL 1 D 7 DEFG 1 DEJK 1 DFJK 1 DIK 1 DJK 13 DJKL 3 DK 6 EJK 1 FIJK 1 FJK 3 FK 4 G 4 GIJK 1 GJ 1 GJK 1 GJKL 1 GK 1 GL 1 IJ 2 IJK 12 IK 5 IKL 1 IM 1 J 55 JK 3884 JKL 82 JKM 1 JKO 1 JL 1 K 1108 KL 16 KLM 1 KO 1 L 2 O 28 qf5_10_1. Savings group that you save with or borrow from-Deposited or withdrew 7026 6968 0 No 5276 1 Yes 1750 Sysmiss 6968 qf5_10_2. Savings group that you save with or borrow from-Bought airtime top-ups 7026 6968 0 No 7010 1 Yes 16 Sysmiss 6968 qf5_10_3. Savings group that you save with or borrow from-Paid school fees 7026 6968 0 No 6989 1 Yes 37 Sysmiss 6968 qf5_10_4. Savings group that you save with or borrow from-Paid a bill for medica 7026 6968 0 No 6956 1 Yes 70 Sysmiss 6968 qf5_10_5. Savings group that you save with or borrow from-Paid a tax, fine, fee, 7026 6968 0 No 7019 1 Yes 7 Sysmiss 6968 qf5_10_6. Savings group that you save with or borrow from-Sent money to, or rece 7026 6968 0 No 7000 1 Yes 26 Sysmiss 6968 qf5_10_7. Savings group that you save with or borrow from-Received money from th 7026 6968 0 No 7012 1 Yes 14 Sysmiss 6968 qf5_10_8. Savings group that you save with or borrow from-Received wages from an 7026 6968 0 No 7025 1 Yes 1 Sysmiss 6968 qf5_10_9. Savings group that you save with or borrow from-Made insurance payment 7026 6968 0 No 6980 1 Yes 46 Sysmiss 6968 qf5_10_10. Savings group that you save with or borrow from-Borrowed money 7026 6968 0 No 2015 1 Yes 5011 Sysmiss 6968 qf5_10_11. Savings group that you save with or borrow from-Saved money 7026 6968 0 No 742 1 Yes 6284 Sysmiss 6968 qf5_10_12. Savings group that you save with or borrow from-Made an investment 7026 6968 0 No 6871 1 Yes 155 Sysmiss 6968 qf5_10_13. Savings group that you save with or borrow from-Paid for goods or ser 7026 6968 0 No 7018 1 Yes 8 Sysmiss 6968 qf5_10_14. Savings group that you save with or borrow from-Made pension payment 7026 6968 0 No 7020 1 Yes 6 Sysmiss 6968 qf5_10_15. Savings group that you save with or borrow from-Never used any servic 7026 6968 0 No 6992 1 Yes 34 Sysmiss 6968 QF5. Which of the following activities have you ever done using a [insert name o 1166 0 A 71 ACDK 2 ACK 3 AD 4 ADF 1 ADJK 3 AF 1 AFJK 3 AGK 1 AI 1 AIJK 5 AJ 6 AJK 108 AJKL 5 AJL 1 AK 39 AKL 2 AO 3 C 1 CDJK 3 CDK 2 CJ 1 CJK 1 CO 1 D 1 DFH 1 DGJK 1 DJ 1 DJK 9 DJKL 1 DK 1 F 3 FJK 1 G 1 IJ 1 IJK 30 IJKN 1 IK 2 J 19 JK 508 JKL 2 JKN 1 K 294 KL 5 N 1 O 14 qf5_11_1.Village/community association-Deposited or withdrew money 1166 12828 0 No 907 1 Yes 259 Sysmiss 12828 qf5_11_2.Village/community association-Bought airtime top-ups or paid a mobile p 1166 12828 0 No 1166 1 Yes 0 Sysmiss 12828 qf5_11_3.Village/community association-Paid school fees 1166 12828 0 No 1152 1 Yes 14 Sysmiss 12828 qf5_11_4.Village/community association-Paid a bill for medical treatment, housin 1166 12828 0 No 1136 1 Yes 30 Sysmiss 12828 qf5_11_5.Village/community association-Paid a tax, fine, fee, or other payment t 1166 12828 0 No 1166 1 Yes 0 Sysmiss 12828 qf5_11_6.Village/community association-Sent money to, or received money from som 1166 12828 0 No 1156 1 Yes 10 Sysmiss 12828 qf5_11_7.Village/community association-Received money from the government 1166 12828 0 No 1163 1 Yes 3 Sysmiss 12828 qf5_11_8.Village/community association-Received wages from an employer 1166 12828 0 No 1165 1 Yes 1 Sysmiss 12828 qf5_11_9.Village/community association-Made insurance payments or received claim 1166 12828 0 No 1126 1 Yes 40 Sysmiss 12828 qf5_11_10.Village/community association-Borrowed money 1166 12828 0 No 455 1 Yes 711 Sysmiss 12828 qf5_11_11.Village/community association-Saved money 1166 12828 0 No 133 1 Yes 1033 Sysmiss 12828 qf5_11_12.Village/community association-Made an investment 1166 12828 0 No 1150 1 Yes 16 Sysmiss 12828 qf5_11_13.Village/community association-Paid for goods or services at a store, s 1166 12828 0 No 1166 1 Yes 0 Sysmiss 12828 qf5_11_14.Village/community association-Made pension payment or retirement savin 1166 12828 0 No 1163 1 Yes 3 Sysmiss 12828 qf5_11_15.Village/community association-Never used any service in this instituti 1166 12828 0 No 1148 1 Yes 18 Sysmiss 12828 QF6. In the past 12 months, have you experienced any of the following problems o 1618 0 3 1 A 23 AB 2 ABC 1 ABCDEFGH 1 ABCGMN 1 ABCI 2 ABCMN 1 ABD 1 AC 1 ACDEFGHIJKLNO 1 ACI 3 ADF 1 ADGI 1 AE 3 AEG 1 AEHI 1 AFGIKZ 1 AG 1 AI 6 AIN 1 AIZ 1 AO 3 B 8 BCDEFGIK 1 BCK 1 BDF 1 BDFHL 1 BO 1 C 20 CD 2 CDEI 1 CDF 1 CDFI 1 CEHIL 1 CEO 1 CF 1 CG 1 CI 3 CIMN 1 CZ 3 D 24 DE 1 DEF 1 DEFH 2 DEFM 1 DEH 2 DF 4 DGI 1 DH 3 DIJ 1 DIZ 1 DK 1 E 16 EF 1 EFHI 1 EH 4 EN 1 F 20 FG 3 FH 6 FI 3 FO 1 FZ 3 G 4 GH 2 H 16 HG 1 HI 3 I 48 IZ 2 J 2 JLMO 1 K 5 L 2 LZ 1 M 11 MN 1 MNZ 1 MO 1 MZ 1 O 18 OZ 3 Z 1287 qf6_01_1.Commercial bank-Unexpected charges 2577 11417 0 No 2520 1 Yes 57 Sysmiss 11417 qf6_01_2.Commercial bank-Lost money / Money missing from my account e.g., Cards/ 2577 11417 0 No 2555 1 Yes 22 Sysmiss 11417 qf6_01_3.Commercial bank-Poor service received at a branch / agent / customer ca 2577 11417 0 No 2528 1 Yes 49 Sysmiss 11417 qf6_01_4.Commercial bank-ATM or Card Swipe machine not working 2577 11417 0 No 2522 1 Yes 55 Sysmiss 11417 qf6_01_5.Commercial bank-Inability to access bank account through mobile /intern 2577 11417 0 No 2536 1 Yes 41 Sysmiss 11417 qf6_01_6.Commercial bank-Service / Agent network was down 2577 11417 0 No 2521 1 Yes 56 Sysmiss 11417 qf6_01_7.Commercial bank-Inconsistent availability of agent 2577 11417 0 No 2557 1 Yes 20 Sysmiss 11417 qf6_01_8.Commercial bank-Difficulty operating the phone/using menu 2577 11417 0 No 2532 1 Yes 45 Sysmiss 11417 qf6_01_9.Commercial bank-Unclear transaction charges/fees 2577 11417 0 No 2492 1 Yes 85 Sysmiss 11417 qf6_01_10.Commercial bank-Agent float/cash availability 2577 11417 0 No 2572 1 Yes 5 Sysmiss 11417 qf6_01_11.Commercial bank-Contacting customer care 2577 11417 0 No 2567 1 Yes 10 Sysmiss 11417 qf6_01_12.Commercial bank-Sending to a wrong number 2577 11417 0 No 2570 1 Yes 7 Sysmiss 11417 qf6_01_13.Commercial bank-Fraud 2577 11417 0 No 2557 1 Yes 20 Sysmiss 11417 qf6_01_14.Commercial bank-Money laundering 2577 11417 0 No 2569 1 Yes 8 Sysmiss 11417 qf6_01_15.Commercial bank-Delayed payments 2577 11417 0 No 2547 1 Yes 30 Sysmiss 11417 qf6_01_16.Commercial bank-Other specify 2577 11417 0 No 1278 1 Yes 1299 Sysmiss 11417 qf6_other_specify_01-Commercial bank 1299 0 Have no account 1 Loan refused 13 Long distance to reach bank 2 Long process to get loan 4 No longer used 35 None 1234 Not easy to access loan 4 Period of reimbursement 1 Shifted to Umurenge Sacco 1 Too long time to wait 3 long distance to reach bank services 1 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_02_1.Digital bank-Unexpected charges 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 qf6_02_2.Digital bank-Lost money / Money missing from my account e.g., Cards/PIN 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 qf6_02_3.Digital bank-Poor service received at a branch / agent / customer care 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf6_02_4.Digital bank-ATM or Card Swipe machine not working 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 qf6_02_5.Digital bank-Inability to access bank account through mobile /internet 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf6_02_6.Digital bank-Service / Agent network was down 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf6_02_7.Digital bank-Inconsistent availability of agent 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 qf6_02_8.Digital bank-Difficulty operating the phone/using menu 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf6_02_9.Digital bank-Unclear transaction charges/fees 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 qf6_02_10.Digital bank-Agent float/cash availability 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf6_02_11.Digital bank-Contacting customer care 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf6_02_12.Digital bank-Sending to a wrong number 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 qf6_02_13.Digital bank-Fraud 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf6_02_14.Digital bank-Money laundering 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 qf6_02_15.Digital bank-Delayed payments 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf6_02_16.Digital bank-Other specify 48 13946 0 No 26 1 Yes 22 Sysmiss 13946 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_03_1.Microfinance institution (non-umurenge)-Unexpected charges 836 13158 0 No 813 1 Yes 23 Sysmiss 13158 qf6_03_2.Microfinance institution (non-umurenge)-Lost money / Money missing from 836 13158 0 No 830 1 Yes 6 Sysmiss 13158 qf6_03_3.Microfinance institution (non-umurenge)-Poor service received at a bran 836 13158 0 No 818 1 Yes 18 Sysmiss 13158 qf6_03_4.Microfinance institution (non-umurenge)-ATM or Card Swipe machine not w 836 13158 0 No 836 1 Yes 0 Sysmiss 13158 qf6_03_5.Microfinance institution (non-umurenge)-Inability to access bank accoun 836 13158 0 No 825 1 Yes 11 Sysmiss 13158 qf6_03_6.Microfinance institution (non-umurenge)-Service / Agent network was dow 836 13158 0 No 826 1 Yes 10 Sysmiss 13158 qf6_03_7.Microfinance institution (non-umurenge)-Inconsistent availability of ag 836 13158 0 No 832 1 Yes 4 Sysmiss 13158 qf6_03_8.Microfinance institution (non-umurenge)-Difficulty operating the phone/ 836 13158 0 No 827 1 Yes 9 Sysmiss 13158 qf6_03_9.Microfinance institution (non-umurenge)-Unclear transaction charges/fee 836 13158 0 No 813 1 Yes 23 Sysmiss 13158 qf6_03_10.Microfinance institution (non-umurenge)-Agent float/cash availability 836 13158 0 No 831 1 Yes 5 Sysmiss 13158 qf6_03_11.Microfinance institution (non-umurenge)-Contacting customer care 836 13158 0 No 834 1 Yes 2 Sysmiss 13158 qf6_03_12.Microfinance institution (non-umurenge)-Sending to a wrong number 836 13158 0 No 835 1 Yes 1 Sysmiss 13158 qf6_03_13.Microfinance institution (non-umurenge)-Fraud 836 13158 0 No 830 1 Yes 6 Sysmiss 13158 qf6_03_14.Microfinance institution (non-umurenge)-Money laundering 836 13158 0 No 835 1 Yes 1 Sysmiss 13158 qf6_03_15.Microfinance institution (non-umurenge)-Delayed payments 836 13158 0 No 822 1 Yes 14 Sysmiss 13158 qf6_03_16.Microfinance institution (non-umurenge)-Other specify 836 13158 0 No 274 1 Yes 562 Sysmiss 13158 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_04_1.Non-Deposit Taking Lending Financial (NDFI)-Unexpected charges 54 13940 0 No 52 1 Yes 2 Sysmiss 13940 qf6_04_2.Non-Deposit Taking Lending Financial (NDFI)-Lost money / Money missing 54 13940 0 No 53 1 Yes 1 Sysmiss 13940 qf6_04_3.Non-Deposit Taking Lending Financial (NDFI)-Poor service received at a 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 qf6_04_4.Non-Deposit Taking Lending Financial (NDFI)-ATM or Card Swipe machine n 54 13940 0 No 52 1 Yes 2 Sysmiss 13940 qf6_04_5.Non-Deposit Taking Lending Financial (NDFI)-Inability to access bank ac 54 13940 0 No 50 1 Yes 4 Sysmiss 13940 qf6_04_6.Non-Deposit Taking Lending Financial (NDFI)-Service / Agent network was 54 13940 0 No 52 1 Yes 2 Sysmiss 13940 qf6_04_7.Non-Deposit Taking Lending Financial (NDFI)-Inconsistent availability o 54 13940 0 No 53 1 Yes 1 Sysmiss 13940 qf6_04_8.Non-Deposit Taking Lending Financial (NDFI)-Difficulty operating the ph 54 13940 0 No 52 1 Yes 2 Sysmiss 13940 qf6_04_9.Non-Deposit Taking Lending Financial (NDFI)-Unclear transaction charges 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 qf6_04_10.Non-Deposit Taking Lending Financial (NDFI)-Agent float/cash availabil 54 13940 0 No 52 1 Yes 2 Sysmiss 13940 qf6_04_11.Non-Deposit Taking Lending Financial (NDFI)-Contacting customer care 54 13940 0 No 53 1 Yes 1 Sysmiss 13940 qf6_04_12.Non-Deposit Taking Lending Financial (NDFI)-Sending to a wrong number 54 13940 0 No 54 1 Yes 0 Sysmiss 13940 qf6_04_13.Non-Deposit Taking Lending Financial (NDFI)-Fraud 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 qf6_04_14.Non-Deposit Taking Lending Financial (NDFI)-Money laundering 54 13940 0 No 50 1 Yes 4 Sysmiss 13940 qf6_04_15.Non-Deposit Taking Lending Financial (NDFI)-Delayed payments 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 qf6_04_16.Non-Deposit Taking Lending Financial (NDFI)-Other specify 54 13940 0 No 23 1 Yes 31 Sysmiss 13940 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_05_1.Mobile money operator-Unexpected charges 4915 9079 0 No 4860 1 Yes 55 Sysmiss 9079 qf6_05_2.Mobile money operator-Lost money / Money missing from my account e.g., 4915 9079 0 No 4844 1 Yes 71 Sysmiss 9079 qf6_05_3.Mobile money operator-Poor service received at a branch / agent / custo 4915 9079 0 No 4866 1 Yes 49 Sysmiss 9079 qf6_05_4.Mobile money operator-ATM or Card Swipe machine not working 4915 9079 0 No 4911 1 Yes 4 Sysmiss 9079 qf6_05_5.Mobile money operator-Inability to access bank account through mobile / 4915 9079 0 No 4896 1 Yes 19 Sysmiss 9079 qf6_05_6.Mobile money operator-Service / Agent network was down 4915 9079 0 No 4683 1 Yes 232 Sysmiss 9079 qf6_05_7.Mobile money operator-Inconsistent availability of agent 4915 9079 0 No 4833 1 Yes 82 Sysmiss 9079 qf6_05_8.Mobile money operator-Difficulty operating the phone/using menu 4915 9079 0 No 4777 1 Yes 138 Sysmiss 9079 qf6_05_9.Mobile money operator-Unclear transaction charges/fees 4915 9079 0 No 4775 1 Yes 140 Sysmiss 9079 qf6_05_10.Mobile money operator-Agent float/cash availability 4915 9079 0 No 4907 1 Yes 8 Sysmiss 9079 qf6_05_11.Mobile money operator-Contacting customer care 4915 9079 0 No 4832 1 Yes 83 Sysmiss 9079 qf6_05_12.Mobile money operator-Sending to a wrong number 4915 9079 0 No 4623 1 Yes 292 Sysmiss 9079 qf6_05_13.Mobile money operator-Fraud 4915 9079 0 No 4611 1 Yes 304 Sysmiss 9079 qf6_05_14.Mobile money operator-Money laundering 4915 9079 0 No 4840 1 Yes 75 Sysmiss 9079 qf6_05_15.Mobile money operator-Delayed payments 4915 9079 0 No 4888 1 Yes 27 Sysmiss 9079 qf6_05_16.Mobile money operator-Other specify 4915 9079 0 No 1565 1 Yes 3350 Sysmiss 9079 qf6_other_specify_05. Mobile money operator 3570 0 A lot of sms received even when I'm not concerned 1 Account blocked 18 Can't access credit with Mocash 1 Dont't uderstand the language used 1 Have not telephone 1 Long Distance 1 Long distance to reach services 1 Long distance to reach servises 1 No longer used 8 None 3522 PIN forgotten 14 Process to get loan 1 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_06_1.Umurenge SACCO-Unexpected charges 4172 9822 0 No 4102 1 Yes 70 Sysmiss 9822 qf6_06_2.Umurenge SACCO-Lost money / Money missing from my account e.g., Cards/P 4172 9822 0 No 4157 1 Yes 15 Sysmiss 9822 qf6_06_3.Umurenge SACCO-Poor service received at a branch / agent / customer car 4172 9822 0 No 4084 1 Yes 88 Sysmiss 9822 qf6_06_4.Umurenge SACCO-ATM or Card Swipe machine not working 4172 9822 0 No 4168 1 Yes 4 Sysmiss 9822 qf6_06_5.Umurenge SACCO-Inability to access bank account through mobile /interne 4172 9822 0 No 4141 1 Yes 31 Sysmiss 9822 qf6_06_6.Umurenge SACCO-Service / Agent network was down 4172 9822 0 No 4162 1 Yes 10 Sysmiss 9822 qf6_06_7.Umurenge SACCO-Inconsistent availability of agent 4172 9822 0 No 4139 1 Yes 33 Sysmiss 9822 qf6_06_8.Umurenge SACCO-Difficulty operating the phone/using menu 4172 9822 0 No 4127 1 Yes 45 Sysmiss 9822 qf6_06_9.Umurenge SACCO-Unclear transaction charges/fees 4172 9822 0 No 4054 1 Yes 118 Sysmiss 9822 qf6_06_10.Umurenge SACCO-Agent float/cash availability 4172 9822 0 No 4163 1 Yes 9 Sysmiss 9822 qf6_06_11.Umurenge SACCO-Contacting customer care 4172 9822 0 No 4166 1 Yes 6 Sysmiss 9822 qf6_06_12.Umurenge SACCO-Sending to a wrong number 4172 9822 0 No 4162 1 Yes 10 Sysmiss 9822 qf6_06_13.Umurenge SACCO-Fraud 4172 9822 0 No 4126 1 Yes 46 Sysmiss 9822 qf6_06_14.Umurenge SACCO-Money laundering 4172 9822 0 No 4159 1 Yes 13 Sysmiss 9822 qf6_06_15.Umurenge SACCO-Delayed payments 4172 9822 0 No 4063 1 Yes 109 Sysmiss 9822 qf6_06_16.Umurenge SACCO-Other specify 4172 9822 0 No 836 1 Yes 3336 Sysmiss 9822 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_07_1.Insurance provider-Unexpected charges 198 13796 0 No 195 1 Yes 3 Sysmiss 13796 qf6_07_2.Insurance provider-Lost money / Money missing from my account e.g., Car 198 13796 0 No 195 1 Yes 3 Sysmiss 13796 qf6_07_3.Insurance provider-Poor service received at a branch / agent / customer 198 13796 0 No 193 1 Yes 5 Sysmiss 13796 qf6_07_4.Insurance provider-ATM or Card Swipe machine not working 198 13796 0 No 198 1 Yes 0 Sysmiss 13796 qf6_07_5.Insurance provider-Inability to access bank account through mobile /int 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf6_07_6.Insurance provider-Service / Agent network was down 198 13796 0 No 196 1 Yes 2 Sysmiss 13796 qf6_07_7.Insurance provider-Inconsistent availability of agent 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf6_07_8.Insurance provider-Difficulty operating the phone/using menu 198 13796 0 No 195 1 Yes 3 Sysmiss 13796 qf6_07_9.Insurance provider-Unclear transaction charges/fees 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf6_07_10.Insurance provider-Agent float/cash availability 198 13796 0 No 196 1 Yes 2 Sysmiss 13796 qf6_07_11.Insurance provider-Contacting customer care 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf6_07_12.Insurance provider-Sending to a wrong number 198 13796 0 No 197 1 Yes 1 Sysmiss 13796 qf6_07_13.Insurance provider-Fraud 198 13796 0 No 195 1 Yes 3 Sysmiss 13796 qf6_07_14.Insurance provider-Money laundering 198 13796 0 No 198 1 Yes 0 Sysmiss 13796 qf6_07_15.Insurance provider-Delayed payments 198 13796 0 No 196 1 Yes 2 Sysmiss 13796 qf6_07_16.Insurance provider-Other specify 198 13796 0 No 85 1 Yes 113 Sysmiss 13796 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_08_1.Pension fund administrator-Unexpected charges 228 13766 0 No 227 1 Yes 1 Sysmiss 13766 qf6_08_2.Pension fund administrator-Lost money / Money missing from my account e 228 13766 0 No 226 1 Yes 2 Sysmiss 13766 qf6_08_3.Pension fund administrator-Poor service received at a branch / agent / 228 13766 0 No 224 1 Yes 4 Sysmiss 13766 qf6_08_4.Pension fund administrator-ATM or Card Swipe machine not working 228 13766 0 No 228 1 Yes 0 Sysmiss 13766 qf6_08_5.Pension fund administrator-Inability to access bank account through mob 228 13766 0 No 226 1 Yes 2 Sysmiss 13766 qf6_08_6.Pension fund administrator-Service / Agent network was down 228 13766 0 No 227 1 Yes 1 Sysmiss 13766 qf6_08_7.Pension fund administrator-Inconsistent availability of agent 228 13766 0 No 225 1 Yes 3 Sysmiss 13766 qf6_08_8.Pension fund administrator-Difficulty operating the phone/using menu 228 13766 0 No 225 1 Yes 3 Sysmiss 13766 qf6_08_9.Pension fund administrator-Unclear transaction charges/fees 228 13766 0 No 227 1 Yes 1 Sysmiss 13766 qf6_08_10.Pension fund administrator-Agent float/cash availability 228 13766 0 No 228 1 Yes 0 Sysmiss 13766 qf6_08_11.Pension fund administrator-Contacting customer care 228 13766 0 No 228 1 Yes 0 Sysmiss 13766 qf6_08_12.Pension fund administrator-Sending to a wrong number 228 13766 0 No 227 1 Yes 1 Sysmiss 13766 qf6_08_13.Pension fund administrator-Fraud 228 13766 0 No 226 1 Yes 2 Sysmiss 13766 qf6_08_14.Pension fund administrator-Money laundering 228 13766 0 No 228 1 Yes 0 Sysmiss 13766 qf6_08_15.Pension fund administrator-Delayed payments 228 13766 0 No 225 1 Yes 3 Sysmiss 13766 qf6_08_16.Pension fund administrator-Other specify 228 13766 0 No 90 1 Yes 138 Sysmiss 13766 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_09_1.Long-Term Saving Scheme (EJOHEZA)-Unexpected charges 1723 12271 0 No 1702 1 Yes 21 Sysmiss 12271 qf6_09_2.Long-Term Saving Scheme (EJOHEZA)-Lost money / Money missing from my ac 1723 12271 0 No 1710 1 Yes 13 Sysmiss 12271 qf6_09_3.Long-Term Saving Scheme (EJOHEZA)-Poor service received at a branch / a 1723 12271 0 No 1609 1 Yes 114 Sysmiss 12271 qf6_09_4.Long-Term Saving Scheme (EJOHEZA)-ATM or Card Swipe machine not working 1723 12271 0 No 1719 1 Yes 4 Sysmiss 12271 qf6_09_5.Long-Term Saving Scheme (EJOHEZA)-Inability to access bank account thro 1723 12271 0 No 1702 1 Yes 21 Sysmiss 12271 qf6_09_6.Long-Term Saving Scheme (EJOHEZA)-Service / Agent network was down 1723 12271 0 No 1709 1 Yes 14 Sysmiss 12271 qf6_09_7.Long-Term Saving Scheme (EJOHEZA)-Inconsistent availability of agent 1723 12271 0 No 1701 1 Yes 22 Sysmiss 12271 qf6_09_8.Long-Term Saving Scheme (EJOHEZA)-Difficulty operating the phone/using 1723 12271 0 No 1681 1 Yes 42 Sysmiss 12271 qf6_09_9.Long-Term Saving Scheme (EJOHEZA)-Unclear transaction charges/fees 1723 12271 0 No 1704 1 Yes 19 Sysmiss 12271 qf6_09_10.Long-Term Saving Scheme (EJOHEZA)-Agent float/cash availability 1723 12271 0 No 1718 1 Yes 5 Sysmiss 12271 qf6_09_11.Long-Term Saving Scheme (EJOHEZA)-Contacting customer care 1723 12271 0 No 1717 1 Yes 6 Sysmiss 12271 qf6_09_12.Long-Term Saving Scheme (EJOHEZA)-Sending to a wrong number 1723 12271 0 No 1721 1 Yes 2 Sysmiss 12271 qf6_09_13.Long-Term Saving Scheme (EJOHEZA)-Fraud 1723 12271 0 No 1697 1 Yes 26 Sysmiss 12271 qf6_09_14.Long-Term Saving Scheme (EJOHEZA)-Money laundering 1723 12271 0 No 1716 1 Yes 7 Sysmiss 12271 qf6_09_15.Long-Term Saving Scheme (EJOHEZA)-Delayed payments 1723 12271 0 No 1691 1 Yes 32 Sysmiss 12271 qf6_09_16.Long-Term Saving Scheme (EJOHEZA)-Other specify 1723 12271 0 No 533 1 Yes 1190 Sysmiss 12271 qf6_other_specify_09. Long-Term Saving Scheme (EJOHEZA) 1284 0 Don't know 11 Don't understand the use 1 Government has not payed as agreed 1 Has no information about Ejo Heza 10 I don't believe 2 I lost my simcard 1 Lost his simcard 1 Never used 7 No longer used 20 None 1226 Not informed 4 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_10_1.Savings group that you save with or borrow from-Unexpected charges 7026 6968 0 No 6902 1 Yes 124 Sysmiss 6968 qf6_10_2.Savings group that you save with or borrow from-Lost money / Money miss 7026 6968 0 No 7014 1 Yes 12 Sysmiss 6968 qf6_10_3.Savings group that you save with or borrow from-Poor service received a 7026 6968 0 No 6998 1 Yes 28 Sysmiss 6968 qf6_10_4.Savings group that you save with or borrow from-ATM or Card Swipe machi 7026 6968 0 No 7021 1 Yes 5 Sysmiss 6968 qf6_10_5.Savings group that you save with or borrow from-Inability to access ban 7026 6968 0 No 7012 1 Yes 14 Sysmiss 6968 qf6_10_6.Savings group that you save with or borrow from-Service / Agent network 7026 6968 0 No 7016 1 Yes 10 Sysmiss 6968 qf6_10_7.Savings group that you save with or borrow from-Inconsistent availabili 7026 6968 0 No 6989 1 Yes 37 Sysmiss 6968 qf6_10_8.Savings group that you save with or borrow from-Difficulty operating th 7026 6968 0 No 6989 1 Yes 37 Sysmiss 6968 qf6_10_9.Savings group that you save with or borrow from-Unclear transaction cha 7026 6968 0 No 6945 1 Yes 81 Sysmiss 6968 qf6_10_10.Savings group that you save with or borrow from-Agent float/cash avail 7026 6968 0 No 6994 1 Yes 32 Sysmiss 6968 qf6_10_11.Savings group that you save with or borrow from-Contacting customer ca 7026 6968 0 No 7014 1 Yes 12 Sysmiss 6968 qf6_10_12.Savings group that you save with or borrow from-Sending to a wrong num 7026 6968 0 No 7018 1 Yes 8 Sysmiss 6968 qf6_10_13.Savings group that you save with or borrow from-Fraud 7026 6968 0 No 6401 1 Yes 625 Sysmiss 6968 qf6_10_14.Savings group that you save with or borrow from-Money laundering 7026 6968 0 No 6949 1 Yes 77 Sysmiss 6968 qf6_10_15.Savings group that you save with or borrow from-Delayed payments 7026 6968 0 No 6618 1 Yes 408 Sysmiss 6968 qf6_10_16.Savings group that you save with or borrow from-Other specify 7026 6968 0 No 1542 1 Yes 5484 Sysmiss 6968 qf6_other_specify_10. Savings group that you save with or borrow from 5823 0 Access to loan 1 Can't access loan 5 Can't pay back the loan received 14 Collateral required for having a loan 1 Deficit 1 Delayed saving 21 Disagreements of some members 1 High interest rate 12 Loan refused 1 Long distance 1 Never used 6 No enough money for loan 8 No longer used 33 No option for loan 4 None 5707 Penalities 4 airtime 1 late payments with interest rates 1 long distances 1 QF6. In the past 12 months, have you experienced any of the following problems o 0 0 qf6_11_1.Village/community association-Unexpected charges 1166 12828 0 No 1136 1 Yes 30 Sysmiss 12828 qf6_11_2.Village/community association-Lost money / Money missing from my accoun 1166 12828 0 No 1165 1 Yes 1 Sysmiss 12828 qf6_11_3.Village/community association-Poor service received at a branch / agent 1166 12828 0 No 1161 1 Yes 5 Sysmiss 12828 qf6_11_4.Village/community association-ATM or Card Swipe machine not working 1166 12828 0 No 1165 1 Yes 1 Sysmiss 12828 qf6_11_5.Village/community association-Inability to access bank account through 1166 12828 0 No 1165 1 Yes 1 Sysmiss 12828 qf6_11_6.Village/community association-Service / Agent network was down 1166 12828 0 No 1165 1 Yes 1 Sysmiss 12828 qf6_11_7.Village/community association-Inconsistent availability of agent 1166 12828 0 No 1162 1 Yes 4 Sysmiss 12828 qf6_11_8.Village/community association-Difficulty operating the phone/using menu 1166 12828 0 No 1158 1 Yes 8 Sysmiss 12828 qf6_11_9.Village/community association-Unclear transaction charges/fees 1166 12828 0 No 1141 1 Yes 25 Sysmiss 12828 qf6_11_10.Village/community association-Agent float/cash availability 1166 12828 0 No 1164 1 Yes 2 Sysmiss 12828 qf6_11_11.Village/community association-Contacting customer care 1166 12828 0 No 1163 1 Yes 3 Sysmiss 12828 qf6_11_12.Village/community association-Sending to a wrong number 1166 12828 0 No 1164 1 Yes 2 Sysmiss 12828 qf6_11_13.Village/community association-Fraud 1166 12828 0 No 1092 1 Yes 74 Sysmiss 12828 qf6_11_14.Village/community association-Money laundering 1166 12828 0 No 1160 1 Yes 6 Sysmiss 12828 qf6_11_15.Village/community association-Delayed payments 1166 12828 0 No 1108 1 Yes 58 Sysmiss 12828 qf6_11_16.Village/community association-Other specify 1166 12828 0 No 243 1 Yes 923 Sysmiss 12828 qf6_other_specify_11. Village/community association 1008 0 Can't pay back on time the loan received 11 Delayed saving 3 Loan refused 1 No enough money 1 None 989 Penalities 1 Some disagreements 2 qf7a_01. In general, how satisfied are you with the services of-Commercial bank 2577 11417 1 Satisfied 1989 2 Moderately satisfied 471 3 Unsatisfied 117 Sysmiss 11417 qf7a_01. In general, how satisfied are you with the services of-Digital bank acc 48 13946 1 Satisfied 37 2 Moderately satisfied 7 3 Unsatisfied 4 Sysmiss 13946 qf7a_01. In general, how satisfied are you with the services of-Microfinance ins 836 13158 1 Satisfied 656 2 Moderately satisfied 142 3 Unsatisfied 38 Sysmiss 13158 qf7a_01. In general, how satisfied are you with the services of-Non-Deposit Taki 54 13940 1 Satisfied 31 2 Moderately satisfied 18 3 Unsatisfied 5 Sysmiss 13940 qf7a_01. In general, how satisfied are you with the services of-Mobile money ope 4915 9079 1 Satisfied 4071 2 Moderately satisfied 784 3 Unsatisfied 60 Sysmiss 9079 qf7a_01. In general, how satisfied are you with the services of-Umurenge SACCO a 4172 9822 1 Satisfied 3122 2 Moderately satisfied 856 3 Unsatisfied 194 Sysmiss 9822 qf7a_01. In general, how satisfied are you with the services of-Insurance provid 198 13796 1 Satisfied 150 2 Moderately satisfied 33 3 Unsatisfied 15 Sysmiss 13796 qf7a_01. In general, how satisfied are you with the services of-Pension fund adm 228 13766 1 Satisfied 188 2 Moderately satisfied 36 3 Unsatisfied 4 Sysmiss 13766 qf7a_01. In general, how satisfied are you with the services of-Long-Term Saving 1723 12271 1 Satisfied 1068 2 Moderately satisfied 463 3 Unsatisfied 192 Sysmiss 12271 qf7a_01. In general, how satisfied are you with the services of-Savings group th 7026 6968 1 Satisfied 5426 2 Moderately satisfied 1410 3 Unsatisfied 190 Sysmiss 6968 qf7a_01. In general, how satisfied are you with the services of-Village/communit 1166 12828 1 Satisfied 924 2 Moderately satisfied 220 3 Unsatisfied 22 Sysmiss 12828 qf7b_01. When did you last use-Commercial bank 2577 11417 1 Yesterday/today 210 2 In the past 7 days 525 3 In the past 30 days 837 4 In the past 60 days 177 5 More than 60 days but less than 90 days ago 124 6 More than 90 but less than 6 months ago 115 7 More than 6 months ago but within the past 12 months 126 8 More than 12 months ago 463 Sysmiss 11417 qf7b_02. When did you last use-Digital bank 48 13946 1 Yesterday/today 10 2 In the past 7 days 9 3 In the past 30 days 14 4 In the past 60 days 6 5 More than 60 days but less than 90 days ago 2 6 More than 90 but less than 6 months ago 1 7 More than 6 months ago but within the past 12 months 1 8 More than 12 months ago 5 Sysmiss 13946 qf7b_03. When did you last use-Microfinance institution (non-umurenge) 836 13158 1 Yesterday/today 44 2 In the past 7 days 184 3 In the past 30 days 300 4 In the past 60 days 57 5 More than 60 days but less than 90 days ago 47 6 More than 90 but less than 6 months ago 47 7 More than 6 months ago but within the past 12 months 25 8 More than 12 months ago 132 Sysmiss 13158 qf7b_04. When did you last use-Non-Deposit Taking Lending Financial (NDFI)k 54 13940 1 Yesterday/today 1 2 In the past 7 days 9 3 In the past 30 days 18 4 In the past 60 days 3 5 More than 60 days but less than 90 days ago 6 6 More than 90 but less than 6 months ago 1 7 More than 6 months ago but within the past 12 months 1 8 More than 12 months ago 15 Sysmiss 13940 qf7b_05. When did you last use-Mobile money operator 4915 9079 1 Yesterday/today 1786 2 In the past 7 days 1443 3 In the past 30 days 919 4 In the past 60 days 242 5 More than 60 days but less than 90 days ago 158 6 More than 90 but less than 6 months ago 124 7 More than 6 months ago but within the past 12 months 86 8 More than 12 months ago 157 Sysmiss 9079 qf7b_06. When did you last use-Umurenge SACCO 4172 9822 1 Yesterday/today 90 2 In the past 7 days 454 3 In the past 30 days 1241 4 In the past 60 days 328 5 More than 60 days but less than 90 days ago 373 6 More than 90 but less than 6 months ago 362 7 More than 6 months ago but within the past 12 months 348 8 More than 12 months ago 976 Sysmiss 9822 qf7b_07. When did you last use-Insurance provider 198 13796 1 Yesterday/today 3 2 In the past 7 days 21 3 In the past 30 days 90 4 In the past 60 days 18 5 More than 60 days but less than 90 days ago 16 6 More than 90 but less than 6 months ago 15 7 More than 6 months ago but within the past 12 months 20 8 More than 12 months ago 15 Sysmiss 13796 qf7b_08. When did you last use-Pension fund administrator 228 13766 1 Yesterday/today 2 2 In the past 7 days 11 3 In the past 30 days 167 4 In the past 60 days 7 5 More than 60 days but less than 90 days ago 4 6 More than 90 but less than 6 months ago 3 7 More than 6 months ago but within the past 12 months 5 8 More than 12 months ago 29 Sysmiss 13766 qf7b_09. When did you last use-Long-Term Saving Scheme (EJOHEZA) 1723 12271 1 Yesterday/today 10 2 In the past 7 days 78 3 In the past 30 days 651 4 In the past 60 days 165 5 More than 60 days but less than 90 days ago 204 6 More than 90 but less than 6 months ago 164 7 More than 6 months ago but within the past 12 months 204 8 More than 12 months ago 247 Sysmiss 12271 qf7b_10. When did you last use-Savings group that you save with or borrow from 7026 6968 1 Yesterday/today 489 2 In the past 7 days 4820 3 In the past 30 days 1279 4 In the past 60 days 74 5 More than 60 days but less than 90 days ago 50 6 More than 90 but less than 6 months ago 58 7 More than 6 months ago but within the past 12 months 52 8 More than 12 months ago 204 Sysmiss 6968 qf7b_11. When did you last use-Village/community association 1166 12828 1 Yesterday/today 79 2 In the past 7 days 517 3 In the past 30 days 486 4 In the past 60 days 15 5 More than 60 days but less than 90 days ago 16 6 More than 90 but less than 6 months ago 9 7 More than 6 months ago but within the past 12 months 12 8 More than 12 months ago 32 Sysmiss 12828 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_01_1.Commercial bank-Requirements of employer 2577 11417 0 No 2096 1 Yes 481 Sysmiss 11417 qf7c_01_2.Commercial bank-To better transact money 2577 11417 0 No 2278 1 Yes 299 Sysmiss 11417 qf7c_01_3.Commercial bank-To save 2577 11417 0 No 1884 1 Yes 693 Sysmiss 11417 qf7c_01_4.Commercial bank-Safety of funds 2577 11417 0 No 1823 1 Yes 754 Sysmiss 11417 qf7c_01_5.Commercial bank-Money management 2577 11417 0 No 1892 1 Yes 685 Sysmiss 11417 qf7c_01_6.Commercial bank-To access credit 2577 11417 0 No 2152 1 Yes 425 Sysmiss 11417 qf7c_01_7.Commercial bank-To get government assistance/social protection program 2577 11417 0 No 2548 1 Yes 29 Sysmiss 11417 qf7c_01_8.Commercial bank-Other reasons (specify) 2577 11417 0 No 2510 1 Yes 67 Sysmiss 11417 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_02_1.Digital bank-Requirements of employer 48 13946 0 No 42 1 Yes 6 Sysmiss 13946 qf7c_02_2.Digital bank-To better transact money 48 13946 0 No 41 1 Yes 7 Sysmiss 13946 qf7c_02_3.Digital bank-To save 48 13946 0 No 35 1 Yes 13 Sysmiss 13946 qf7c_02_4.Digital bank-Safety of funds 48 13946 0 No 36 1 Yes 12 Sysmiss 13946 qf7c_02_5.Digital bank-Money management 48 13946 0 No 35 1 Yes 13 Sysmiss 13946 qf7c_02_6.Digital bank-To access credit 48 13946 0 No 37 1 Yes 11 Sysmiss 13946 qf7c_02_7.Digital bank-To get government assistance/social protection program 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 qf7c_02_8.Digital bank-Other reasons (specify) 48 13946 0 No 47 1 Yes 1 Sysmiss 13946 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_03_1.Microfinance institution (non-umurenge)-Requirements of employer 836 13158 0 No 656 1 Yes 180 Sysmiss 13158 qf7c_03_2.Microfinance institution (non-umurenge)-To better transact money 836 13158 0 No 769 1 Yes 67 Sysmiss 13158 qf7c_03_3.Microfinance institution (non-umurenge)-To save 836 13158 0 No 535 1 Yes 301 Sysmiss 13158 qf7c_03_4.Microfinance institution (non-umurenge)-Safety of funds 836 13158 0 No 626 1 Yes 210 Sysmiss 13158 qf7c_03_5.Microfinance institution (non-umurenge)-Money management 836 13158 0 No 599 1 Yes 237 Sysmiss 13158 qf7c_03_6.Microfinance institution (non-umurenge)-To access credit 836 13158 0 No 531 1 Yes 305 Sysmiss 13158 qf7c_03_7.Microfinance institution (non-umurenge)-To get government assistance/s 836 13158 0 No 824 1 Yes 12 Sysmiss 13158 qf7c_03_8.Microfinance institution (non-umurenge)-Other reasons (specify) 836 13158 0 No 802 1 Yes 34 Sysmiss 13158 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_04_1.Non-Deposit Taking Lending Financial (NDFI)-Requirements of employer 54 13940 0 No 48 1 Yes 6 Sysmiss 13940 qf7c_04_2.Non-Deposit Taking Lending Financial (NDFI)-To better transact money 54 13940 0 No 49 1 Yes 5 Sysmiss 13940 qf7c_04_3.Non-Deposit Taking Lending Financial (NDFI)-To save 54 13940 0 No 40 1 Yes 14 Sysmiss 13940 qf7c_04_4.Non-Deposit Taking Lending Financial (NDFI)-Safety of funds 54 13940 0 No 35 1 Yes 19 Sysmiss 13940 qf7c_04_5.Non-Deposit Taking Lending Financial (NDFI)-Money management 54 13940 0 No 37 1 Yes 17 Sysmiss 13940 qf7c_04_6.Non-Deposit Taking Lending Financial (NDFI)-To access credit 54 13940 0 No 34 1 Yes 20 Sysmiss 13940 qf7c_04_7.Non-Deposit Taking Lending Financial (NDFI)-To get government assistan 54 13940 0 No 53 1 Yes 1 Sysmiss 13940 qf7c_04_8.Non-Deposit Taking Lending Financial (NDFI)-Other reasons (specify) 54 13940 0 No 50 1 Yes 4 Sysmiss 13940 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_05_1.Mobile money operator-Requirements of employer 4915 9079 0 No 4759 1 Yes 156 Sysmiss 9079 qf7c_05_2.Mobile money operator-To better transact money 4915 9079 0 No 1695 1 Yes 3220 Sysmiss 9079 qf7c_05_3.Mobile money operator-To save 4915 9079 0 No 3318 1 Yes 1597 Sysmiss 9079 qf7c_05_4.Mobile money operator-Safety of funds 4915 9079 0 No 3235 1 Yes 1680 Sysmiss 9079 qf7c_05_5.Mobile money operator-Money management 4915 9079 0 No 3228 1 Yes 1687 Sysmiss 9079 qf7c_05_6.Mobile money operator-To access credit 4915 9079 0 No 4593 1 Yes 322 Sysmiss 9079 qf7c_05_7.Mobile money operator-To get government assistance/social protection p 4915 9079 0 No 4863 1 Yes 52 Sysmiss 9079 qf7c_05_8.Mobile money operator-Other reasons (specify) 4915 9079 0 No 4810 1 Yes 105 Sysmiss 9079 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_06_1.Umurenge SACCO-Requirements of employer 4172 9822 0 No 3272 1 Yes 900 Sysmiss 9822 qf7c_06_2.Umurenge SACCO-To better transact money 4172 9822 0 No 3941 1 Yes 231 Sysmiss 9822 qf7c_06_3.Umurenge SACCO-To save 4172 9822 0 No 2797 1 Yes 1375 Sysmiss 9822 qf7c_06_4.Umurenge SACCO-Safety of funds 4172 9822 0 No 2945 1 Yes 1227 Sysmiss 9822 qf7c_06_5.Umurenge SACCO-Money management 4172 9822 0 No 2989 1 Yes 1183 Sysmiss 9822 qf7c_06_6.Umurenge SACCO-To access credit 4172 9822 0 No 3136 1 Yes 1036 Sysmiss 9822 qf7c_06_7.Umurenge SACCO-To get government assistance/social protection program 4172 9822 0 No 3657 1 Yes 515 Sysmiss 9822 qf7c_06_8.Umurenge SACCO-Other reasons (specify) 4172 9822 0 No 3964 1 Yes 208 Sysmiss 9822 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_07_1.Insurance provider-Requirements of employer 198 13796 0 No 166 1 Yes 32 Sysmiss 13796 qf7c_07_2.Insurance provider-To better transact money 198 13796 0 No 196 1 Yes 2 Sysmiss 13796 qf7c_07_3.Insurance provider-To save 198 13796 0 No 144 1 Yes 54 Sysmiss 13796 qf7c_07_4.Insurance provider-Safety of funds 198 13796 0 No 193 1 Yes 5 Sysmiss 13796 qf7c_07_5.Insurance provider-Money management 198 13796 0 No 193 1 Yes 5 Sysmiss 13796 qf7c_07_6.Insurance provider-To access credit 198 13796 0 No 190 1 Yes 8 Sysmiss 13796 qf7c_07_7.Insurance provider-To get government assistance/social protection prog 198 13796 0 No 190 1 Yes 8 Sysmiss 13796 qf7c_07_8.Insurance provider-Other reasons (specify) 198 13796 0 No 160 1 Yes 38 Sysmiss 13796 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_08_1.Pension fund administrator-Requirements of employer 228 13766 0 No 152 1 Yes 76 Sysmiss 13766 qf7c_08_2.Pension fund administrator-To better transact money 228 13766 0 No 226 1 Yes 2 Sysmiss 13766 qf7c_08_3.Pension fund administrator-To save 228 13766 0 No 146 1 Yes 82 Sysmiss 13766 qf7c_08_4.Pension fund administrator-Safety of funds 228 13766 0 No 222 1 Yes 6 Sysmiss 13766 qf7c_08_5.Pension fund administrator-Money management 228 13766 0 No 222 1 Yes 6 Sysmiss 13766 qf7c_08_6.Pension fund administrator-To access credit 228 13766 0 No 228 1 Yes 0 Sysmiss 13766 qf7c_08_7.Pension fund administrator-To get government assistance/social protect 228 13766 0 No 224 1 Yes 4 Sysmiss 13766 qf7c_08_8.Pension fund administrator-Other reasons (specify) 228 13766 0 No 208 1 Yes 20 Sysmiss 13766 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_09_1.Long-Term Saving Scheme (EJOHEZA)-Requirements of employer 1723 12271 0 No 1498 1 Yes 225 Sysmiss 12271 qf7c_09_2.Long-Term Saving Scheme (EJOHEZA)-To better transact money 1723 12271 0 No 1709 1 Yes 14 Sysmiss 12271 qf7c_09_3.Long-Term Saving Scheme (EJOHEZA)-To save 1723 12271 0 No 782 1 Yes 941 Sysmiss 12271 qf7c_09_4.Long-Term Saving Scheme (EJOHEZA)-Safety of funds 1723 12271 0 No 1629 1 Yes 94 Sysmiss 12271 qf7c_09_5.Long-Term Saving Scheme (EJOHEZA)-Money management 1723 12271 0 No 1627 1 Yes 96 Sysmiss 12271 qf7c_09_6.Long-Term Saving Scheme (EJOHEZA)-To access credit 1723 12271 0 No 1705 1 Yes 18 Sysmiss 12271 qf7c_09_7.Long-Term Saving Scheme (EJOHEZA)-To get government assistance/social 1723 12271 0 No 1619 1 Yes 104 Sysmiss 12271 qf7c_09_8.Long-Term Saving Scheme (EJOHEZA)-Other reasons (specify) 1723 12271 0 No 1480 1 Yes 243 Sysmiss 12271 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_10_1.Savings group that you save with or borrow from-Requirements of employ 7026 6968 0 No 6958 1 Yes 68 Sysmiss 6968 qf7c_10_2.Savings group that you save with or borrow from-To better transact mon 7026 6968 0 No 6856 1 Yes 170 Sysmiss 6968 qf7c_10_3.Savings group that you save with or borrow from-To save 7026 6968 0 No 2312 1 Yes 4714 Sysmiss 6968 qf7c_10_4.Savings group that you save with or borrow from-Safety of funds 7026 6968 0 No 5520 1 Yes 1506 Sysmiss 6968 qf7c_10_5.Savings group that you save with or borrow from-Money management 7026 6968 0 No 4747 1 Yes 2279 Sysmiss 6968 qf7c_10_6.Savings group that you save with or borrow from-To access credit 7026 6968 0 No 2535 1 Yes 4491 Sysmiss 6968 qf7c_10_7.Savings group that you save with or borrow from-To get government assi 7026 6968 0 No 6981 1 Yes 45 Sysmiss 6968 qf7c_10_8.Savings group that you save with or borrow from-Other reasons (specify 7026 6968 0 No 6848 1 Yes 178 Sysmiss 6968 QF7c. Why did you open the account from [insert name of institution]? 0 0 qf7c_11_1.Village/community association-Requirements of employer 1166 12828 0 No 1134 1 Yes 32 Sysmiss 12828 qf7c_11_2.Village/community association-To better transact money 1166 12828 0 No 1143 1 Yes 23 Sysmiss 12828 qf7c_11_3.Village/community association-To save 1166 12828 0 No 391 1 Yes 775 Sysmiss 12828 qf7c_11_4.Village/community association-Safety of funds 1166 12828 0 No 908 1 Yes 258 Sysmiss 12828 qf7c_11_5.Village/community association-Money management 1166 12828 0 No 855 1 Yes 311 Sysmiss 12828 qf7c_11_6.Village/community association-To access credit 1166 12828 0 No 573 1 Yes 593 Sysmiss 12828 qf7c_11_7.Village/community association-To get government assistance/social prot 1166 12828 0 No 1134 1 Yes 32 Sysmiss 12828 qf7c_11_8.Village/community association-Other reasons (specify) 1166 12828 0 No 1072 1 Yes 94 Sysmiss 12828 QF8. Which of the following ... (refer to QF1 responses) is the most important f 11315 2679 1 Commercial bank 2577 2 Digital bank (Mergims, M-Funding, Leaf, etc,) 45 3 Microfinance institution (non-umurenge) 564 4 Non-Deposit Taking Lending Financial (NDFI) (BPN, Oiko credit, GroFin, Benefactors) 44 5 Mobile money operator 3100 6 Umurenge SACCO 2075 7 Insurance provider 8 8 Pension fund administrator 6 9 Long-Term Saving Scheme (EJOHEZA) 206 10 Savings group that you save with or borrow from 2361 11 Village/community association 329 Sysmiss 2679 QF9. Why do you say ... READ OUT THE RESPONSE IN QF8 ... is the most important f 0 0 qf9_1. Ease of access 11315 2679 0 No 5767 1 Yes 5548 Sysmiss 2679 qf9_2. Safety of funds 11315 2679 0 No 7179 1 Yes 4136 Sysmiss 2679 qf9_3. Convience 11315 2679 0 No 9330 1 Yes 1985 Sysmiss 2679 qf9_4. Cost of products/services/affordability 11315 2679 0 No 10463 1 Yes 852 Sysmiss 2679 qf9_5. Availability 11315 2679 0 No 8914 1 Yes 2401 Sysmiss 2679 qf9_6. Trust 11315 2679 0 No 8333 1 Yes 2982 Sysmiss 2679 qf9_7. Access to loans 11315 2679 0 No 6522 1 Yes 4793 Sysmiss 2679 qf9_8. Returns/interest on investment/savings 11315 2679 0 No 10457 1 Yes 858 Sysmiss 2679 qf9_9. Speed of transactions 11315 2679 0 No 9015 1 Yes 2300 Sysmiss 2679 qf9_10. Other specify 11315 2679 0 No 11073 1 Yes 242 Sysmiss 2679 Use Commercial bank account- belong to someone else 2577 11417 0 No 2467 1 Yes 110 Sysmiss 11417 Use Commercial bank account- belong to a group account 2577 11417 0 No 2548 1 Yes 29 Sysmiss 11417 f1_02_1.use Digital bank's account- belong to someone else 48 13946 0 No 46 1 Yes 2 Sysmiss 13946 f1_02_2.use Digital bank's account- belong to a group account 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 f1_03_1.use Microfinance institution (non-umurenge)'s account- belong to someone 836 13158 0 No 787 1 Yes 49 Sysmiss 13158 f1_03_2. Use Microfinance institution (non-umurenge)'s- belong to a group accoun 836 13158 0 No 820 1 Yes 16 Sysmiss 13158 f1_04_1.use Non-Deposit Taking Lending Financial's account- belong to someone el 54 13940 0 No 53 1 Yes 1 Sysmiss 13940 f1_04_2.use Non-Deposit Taking Lending Financial's account- belong to a group ac 54 13940 0 No 49 1 Yes 5 Sysmiss 13940 f1_05_1.use Mobile money operator's account- belong to someone else 4915 9079 0 No 4772 1 Yes 143 Sysmiss 9079 f1_05_2.use Mobile money operator's account- belong to a group account 4915 9079 0 No 4881 1 Yes 34 Sysmiss 9079 f1_06_1.use Umurenge SACCO's - belong to someone else 4172 9822 0 No 3948 1 Yes 224 Sysmiss 9822 4172 9822 0 No 4092 1 Yes 80 Sysmiss 9822 f1_07_1.use Insurance provider's account- belong to someone else 198 13796 0 No 165 1 Yes 33 Sysmiss 13796 f1_07_2.use Insurance provider's account- belong to a group account 198 13796 0 No 176 1 Yes 22 Sysmiss 13796 f1_08_1.use Pension fund administrator's account - belong to someone else 228 13766 0 No 223 1 Yes 5 Sysmiss 13766 f1_08_2.use Pension fund administrator's account - belong to a group account 228 13766 0 No 221 1 Yes 7 Sysmiss 13766 1723 12271 0 No 1629 1 Yes 94 Sysmiss 12271 1723 12271 0 No 1637 1 Yes 86 Sysmiss 12271 f1_10_1.use Savings group/ borrow from's account - belong to someone else 7026 6968 0 No 6800 1 Yes 226 Sysmiss 6968 f1_10_2.use Savings group/ borrow from's account - belong to a group account 7026 6968 0 No 3982 1 Yes 3044 Sysmiss 6968 f1_11_1.use Savings Village/community association's account - belong to someone 1166 12828 0 No 1095 1 Yes 71 Sysmiss 12828 f1_11_2.use Savings Village/community association's account - belong to a group 1166 12828 0 No 535 1 Yes 631 Sysmiss 12828 uf2. When did you open an account with - Commercial Bank 2577 11417 1 Up to six months ago 21 2 Over 6 months ago but up to one year ago 131 3 Over a year ago, but less than 2 years ago 205 4 2 years or more ago but less than 5 years ago 570 5 5 years ago, or more 1570 99 Don?t know/can?t remember 80 Sysmiss 11417 uf2. When did you open an account with - Digital bank 48 13946 1 Up to six months ago 3 2 Over 6 months ago but up to one year ago 0 3 Over a year ago, but less than 2 years ago 8 4 2 years or more ago but less than 5 years ago 16 5 5 years ago, or more 19 99 Don?t know/can?t remember 2 Sysmiss 13946 uf2. When did you open an account with - Microfinance institution (non-umurenge) 836 13158 1 Up to six months ago 1 2 Over 6 months ago but up to one year ago 63 3 Over a year ago, but less than 2 years ago 77 4 2 years or more ago but less than 5 years ago 192 5 5 years ago, or more 480 99 Don?t know/can?t remember 23 Sysmiss 13158 uf2. When did you open an account with - Non-Deposit Taking Lending Financial (N 54 13940 1 Up to six months ago 0 2 Over 6 months ago but up to one year ago 4 3 Over a year ago, but less than 2 years ago 14 4 2 years or more ago but less than 5 years ago 12 5 5 years ago, or more 19 99 Don?t know/can?t remember 5 Sysmiss 13940 uf2. When did you open an account with - Mobile money operator 4915 9079 1 Up to six months ago 15 2 Over 6 months ago but up to one year ago 257 3 Over a year ago, but less than 2 years ago 407 4 2 years or more ago but less than 5 years ago 1005 5 5 years ago, or more 3046 99 Don?t know/can?t remember 185 Sysmiss 9079 uf2. When did you open an account with - Umurenge SACCO 4172 9822 1 Up to six months ago 21 2 Over 6 months ago but up to one year ago 155 3 Over a year ago, but less than 2 years ago 328 4 2 years or more ago but less than 5 years ago 952 5 5 years ago, or more 2546 99 Don?t know/can?t remember 170 Sysmiss 9822 uf2. When did you open an account with - Insurance provider 198 13796 1 Up to six months ago 0 2 Over 6 months ago but up to one year ago 13 3 Over a year ago, but less than 2 years ago 9 4 2 years or more ago but less than 5 years ago 42 5 5 years ago, or more 122 99 Don?t know/can?t remember 12 Sysmiss 13796 uf2. When did you open an account with - Pension fund administrator 228 13766 1 Up to six months ago 1 2 Over 6 months ago but up to one year ago 7 3 Over a year ago, but less than 2 years ago 7 4 2 years or more ago but less than 5 years ago 24 5 5 years ago, or more 176 99 Don?t know/can?t remember 13 Sysmiss 13766 uf2. When did you open an account with - Long-Term Saving Scheme (EJOHEZA) 1723 12271 1 Up to six months ago 16 2 Over 6 months ago but up to one year ago 222 3 Over a year ago, but less than 2 years ago 396 4 2 years or more ago but less than 5 years ago 722 5 5 years ago, or more 307 99 Don?t know/can?t remember 60 Sysmiss 12271 uf2. When did you open an account with - Savings group that you save with or bor 7026 6968 1 Up to six months ago 19 2 Over 6 months ago but up to one year ago 626 3 Over a year ago, but less than 2 years ago 1220 4 2 years or more ago but less than 5 years ago 2413 5 5 years ago, or more 2611 99 Don?t know/can?t remember 137 Sysmiss 6968 uf2. When did you open an account with - Village/community association 1166 12828 1 Up to six months ago 6 2 Over 6 months ago but up to one year ago 103 3 Over a year ago, but less than 2 years ago 175 4 2 years or more ago but less than 5 years ago 337 5 5 years ago, or more 504 99 Don?t know/can?t remember 41 Sysmiss 12828 uf3_01.Documents required when opened: National ID card_Commercial Bank 357 13637 0 No 14 1 Yes 343 Sysmiss 13637 uf3_01. Documents required when opened: Refugee ID_Commercial Bank 357 13637 0 No 357 1 Yes 0 Sysmiss 13637 uf3_01. Documents required when opened: International passport_Commercial Bank 357 13637 0 No 357 1 Yes 0 Sysmiss 13637 uf3_01. Documents required when opened: Driver's license_Commercial Bank 357 13637 0 No 349 1 Yes 8 Sysmiss 13637 uf3_01. Documents required when opened: Voter's card_Commercial Bank 357 13637 0 No 357 1 Yes 0 Sysmiss 13637 uf3_01. Documents required when opened: Passport photograph_Commercial Bank 357 13637 0 No 156 1 Yes 201 Sysmiss 13637 uf3_01. Documents required when opened: Completed application form_Commercial Ba 357 13637 0 No 339 1 Yes 18 Sysmiss 13637 uf3_01. Documents required when opened: Completed reference form_Commercial Bank 357 13637 0 No 355 1 Yes 2 Sysmiss 13637 uf3_01. Documents required when opened: Proof of address_Commercial Bank 357 13637 0 No 347 1 Yes 10 Sysmiss 13637 uf3_01. Documents required when opened: Mobile phone number_Commercial Bank 357 13637 0 No 182 1 Yes 175 Sysmiss 13637 uf3_01. Documents required when opened: Email address_Commercial Bank 357 13637 0 No 323 1 Yes 34 Sysmiss 13637 uf3_01. Documents required when opened: Bank account details_Commercial Bank 357 13637 0 No 346 1 Yes 11 Sysmiss 13637 uf3_01. Documents required when opened: Income slip_Commercial Bank 357 13637 0 No 351 1 Yes 6 Sysmiss 13637 uf3_01. Documents required when opened: Name and address but no document was req 357 13637 0 No 281 1 Yes 76 Sysmiss 13637 uf3_01. Documents required when opened: Asylum seeker_Commercial Bank 357 13637 0 No 357 1 Yes 0 Sysmiss 13637 uf3_01. Documents required when opened: Other_Commercial Bank 357 13637 0 No 333 1 Yes 24 Sysmiss 13637 uf3_01. Documents required when opened: Don't know/Can't remember_Commercial Ban 357 13637 0 No 333 1 Yes 24 Sysmiss 13637 uf3_02.Documents required when opened: National ID card_Digital bank 11 13983 0 No 0 1 Yes 11 Sysmiss 13983 uf3_02. Documents required when opened: Refugee ID_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_02. Documents required when opened: International passport_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_02. Documents required when opened: Driver's license_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_02. Documents required when opened: Voter's card_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_02. Documents required when opened: Passport photograph_Digital bank 11 13983 0 No 5 1 Yes 6 Sysmiss 13983 uf3_02. Documents required when opened: Completed application form_Digital bank 11 13983 0 No 9 1 Yes 2 Sysmiss 13983 uf3_01. Documents required when opened: Completed reference form_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_02. Documents required when opened: Proof of address_Digital bank 11 13983 0 No 8 1 Yes 3 Sysmiss 13983 uf3_02. Documents required when opened: Mobile phone number_Digital bank 11 13983 0 No 4 1 Yes 7 Sysmiss 13983 uf3_02. Documents required when opened: Email address_Digital bank 11 13983 0 No 9 1 Yes 2 Sysmiss 13983 uf3_02. Documents required when opened: Bank account details_Digital bank 11 13983 0 No 8 1 Yes 3 Sysmiss 13983 uf3_02. Documents required when opened: Income slip_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_02. Documents required when opened: Name and address but no document was req 11 13983 0 No 8 1 Yes 3 Sysmiss 13983 uf3_02. Documents required when opened: Asylum seeker_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_02. Documents required when opened: Other_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_02. Documents required when opened: Don't know/Can't remember_Digital bank 11 13983 0 No 11 1 Yes 0 Sysmiss 13983 uf3_03.Documents required when opened: National ID card_Microfinance institution 141 13853 0 No 4 1 Yes 137 Sysmiss 13853 uf3_03. Documents required when opened: Refugee ID_Microfinance institution (non 141 13853 0 No 141 1 Yes 0 Sysmiss 13853 uf3_03. Documents required when opened: International passport_Microfinance inst 141 13853 0 No 137 1 Yes 4 Sysmiss 13853 uf3_03. Documents required when opened: Driver's license_Microfinance institutio 141 13853 0 No 141 1 Yes 0 Sysmiss 13853 uf3_03. Documents required when opened: Voter's card_Microfinance institution (n 141 13853 0 No 139 1 Yes 2 Sysmiss 13853 uf3_03. Documents required when opened: Passport photograph_Microfinance institu 141 13853 0 No 31 1 Yes 110 Sysmiss 13853 uf3_03. Documents required when opened: Completed application form_Microfinance 141 13853 0 No 125 1 Yes 16 Sysmiss 13853 uf3_03. Documents required when opened: Completed reference form_Microfinance in 141 13853 0 No 140 1 Yes 1 Sysmiss 13853 uf3_03. Documents required when opened: Proof of address_Microfinance institutio 141 13853 0 No 134 1 Yes 7 Sysmiss 13853 uf3_03. Documents required when opened: Mobile phone number_Microfinance institu 141 13853 0 No 63 1 Yes 78 Sysmiss 13853 uf3_03. Documents required when opened: Email address_Microfinance institution ( 141 13853 0 No 133 1 Yes 8 Sysmiss 13853 uf3_03. Documents required when opened: Bank account details_Microfinance instit 141 13853 0 No 139 1 Yes 2 Sysmiss 13853 uf3_03. Documents required when opened: Income slip_Microfinance institution (no 141 13853 0 No 138 1 Yes 3 Sysmiss 13853 uf3_03. Documents required when opened: Name and address but no document was req 141 13853 0 No 110 1 Yes 31 Sysmiss 13853 uf3_03. Documents required when opened: Asylum seeker_Microfinance institution ( 141 13853 0 No 141 1 Yes 0 Sysmiss 13853 uf3_03. Documents required when opened: Other_Microfinance institution (non-umur 141 13853 0 No 125 1 Yes 16 Sysmiss 13853 uf3_03. Documents required when opened: Don't know/Can't remember_Microfinance i 141 13853 0 No 125 1 Yes 16 Sysmiss 13853 uf3_04.Documents required when opened: National ID card_Non-Deposit Taking Lendi 18 13976 0 No 0 1 Yes 18 Sysmiss 13976 uf3_04. Documents required when opened: Refugee ID_Non-Deposit Taking Lending Fi 18 13976 0 No 17 1 Yes 1 Sysmiss 13976 uf3_04. Documents required when opened: International passport_Non-Deposit Takin 18 13976 0 No 18 1 Yes 0 Sysmiss 13976 uf3_04. Documents required when opened: Driver's license_Non-Deposit Taking Lend 18 13976 0 No 18 1 Yes 0 Sysmiss 13976 uf3_04. Documents required when opened: Voter's card_Non-Deposit Taking Lending 18 13976 0 No 17 1 Yes 1 Sysmiss 13976 uf3_04. Documents required when opened: Passport photograph_Non-Deposit Taking L 18 13976 0 No 8 1 Yes 10 Sysmiss 13976 uf3_04. Documents required when opened: Completed application form_Non-Deposit T 18 13976 0 No 15 1 Yes 3 Sysmiss 13976 uf3_04. Documents required when opened: Completed reference form_Non-Deposit Tak 18 13976 0 No 18 1 Yes 0 Sysmiss 13976 uf3_04. Documents required when opened: Proof of address_Non-Deposit Taking Lend 18 13976 0 No 17 1 Yes 1 Sysmiss 13976 uf3_04. Documents required when opened: Mobile phone number_Non-Deposit Taking L 18 13976 0 No 4 1 Yes 14 Sysmiss 13976 uf3_04. Documents required when opened: Email address_Non-Deposit Taking Lending 18 13976 0 No 17 1 Yes 1 Sysmiss 13976 uf3_04. Documents required when opened: Bank account details_Non-Deposit Taking 18 13976 0 No 16 1 Yes 2 Sysmiss 13976 uf3_04. Documents required when opened: Income slip_Non-Deposit Taking Lending F 18 13976 0 No 17 1 Yes 1 Sysmiss 13976 uf3_04. Documents required when opened: Name and address but no document was req 18 13976 0 No 16 1 Yes 2 Sysmiss 13976 uf3_04. Documents required when opened: Asylum seeker_Non-Deposit Taking Lending 18 13976 0 No 18 1 Yes 0 Sysmiss 13976 uf3_04. Documents required when opened: Other_Non-Deposit Taking Lending Financi 18 13976 0 No 18 1 Yes 0 Sysmiss 13976 uf3_04. Documents required when opened: Don't know/Can't remember_Non-Deposit Ta 18 13976 0 No 18 1 Yes 0 Sysmiss 13976 uf3_05.Documents required when opened: National ID card_Mobile money operator 679 13315 0 No 46 1 Yes 633 Sysmiss 13315 uf3_05. Documents required when opened: Refugee ID_Mobile money operator 679 13315 0 No 678 1 Yes 1 Sysmiss 13315 uf3_05. Documents required when opened: International passport_Mobile money oper 679 13315 0 No 679 1 Yes 0 Sysmiss 13315 uf3_05. Documents required when opened: Driver's license_Mobile money operator 679 13315 0 No 679 1 Yes 0 Sysmiss 13315 uf3_05. Documents required when opened: Voter's card_Mobile money operator 679 13315 0 No 679 1 Yes 0 Sysmiss 13315 uf3_05. Documents required when opened: Passport photograph_Mobile money operato 679 13315 0 No 542 1 Yes 137 Sysmiss 13315 uf3_05. Documents required when opened: Completed application form_Mobile money 679 13315 0 No 675 1 Yes 4 Sysmiss 13315 uf3_05. Documents required when opened: Completed reference form_Mobile money op 679 13315 0 No 678 1 Yes 1 Sysmiss 13315 uf3_05. Documents required when opened: Proof of address_Non-Deposit Taking Lend 679 13315 0 No 677 1 Yes 2 Sysmiss 13315 uf3_05. Documents required when opened: Mobile phone number_Mobile money operato 679 13315 0 No 543 1 Yes 136 Sysmiss 13315 uf3_05. Documents required when opened: Email address_Mobile money operator 679 13315 0 No 677 1 Yes 2 Sysmiss 13315 uf3_05. Documents required when opened: Bank account details_Mobile money operat 679 13315 0 No 673 1 Yes 6 Sysmiss 13315 uf3_05. Documents required when opened: Income slip_Mobile money operator 679 13315 0 No 678 1 Yes 1 Sysmiss 13315 uf3_05. Documents required when opened: Name and address but no document was req 679 13315 0 No 653 1 Yes 26 Sysmiss 13315 uf3_05. Documents required when opened: Asylum seeker_Mobile money operator 679 13315 0 No 679 1 Yes 0 Sysmiss 13315 uf3_05. Documents required when opened: Other_Mobile money operator 679 13315 0 No 646 1 Yes 33 Sysmiss 13315 uf3_05. Documents required when opened: Don't know/Can't remember_Mobile money o 679 13315 0 No 646 1 Yes 33 Sysmiss 13315 uf3_06.Documents required when opened: National ID card_Umurenge SACCO 504 13490 0 No 35 1 Yes 469 Sysmiss 13490 uf3_06. Documents required when opened: Refugee ID_Umurenge SACCO 504 13490 0 No 502 1 Yes 2 Sysmiss 13490 uf3_06. Documents required when opened: International passport_Umurenge SACCO 504 13490 0 No 501 1 Yes 3 Sysmiss 13490 uf3_06. Documents required when opened: Driver's license_Umurenge SACCO 504 13490 0 No 503 1 Yes 1 Sysmiss 13490 uf3_06. Documents required when opened: Voter's card_Umurenge SACCO 504 13490 0 No 503 1 Yes 1 Sysmiss 13490 uf3_06. Documents required when opened: Passport photograph_Umurenge SACCO 504 13490 0 No 140 1 Yes 364 Sysmiss 13490 uf3_06. Documents required when opened: Completed application form_Umurenge SACC 504 13490 0 No 484 1 Yes 20 Sysmiss 13490 uf3_06. Documents required when opened: Completed reference form_Umurenge SACCO 504 13490 0 No 502 1 Yes 2 Sysmiss 13490 uf3_06. Documents required when opened: Proof of address_Non-Deposit Taking Lend 504 13490 0 No 496 1 Yes 8 Sysmiss 13490 uf3_06. Documents required when opened: Mobile phone number_Umurenge SACCO 504 13490 0 No 320 1 Yes 184 Sysmiss 13490 uf3_06. Documents required when opened: Email address_Umurenge SACCO 504 13490 0 No 498 1 Yes 6 Sysmiss 13490 uf3_06. Documents required when opened: Bank account details_Umurenge SACCO 504 13490 0 No 491 1 Yes 13 Sysmiss 13490 uf3_06. Documents required when opened: Income slip_Umurenge SACCO 504 13490 0 No 502 1 Yes 2 Sysmiss 13490 uf3_06. Documents required when opened: Name and address but no document was req 504 13490 0 No 447 1 Yes 57 Sysmiss 13490 uf3_06. Documents required when opened: Asylum seeker_Umurenge SACCO 504 13490 0 No 503 1 Yes 1 Sysmiss 13490 uf3_06. Documents required when opened: Other_Umurenge SACCO 504 13490 0 No 442 1 Yes 62 Sysmiss 13490 uf3_06. Documents required when opened: Don't know/Can't remember_Umurenge SACCO 504 13490 0 No 442 1 Yes 62 Sysmiss 13490 uf3_07.Documents required when opened: National ID card_Insurance provider 22 13972 0 No 2 1 Yes 20 Sysmiss 13972 uf3_07. Documents required when opened: Refugee ID_Insurance provider 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 uf3_07. Documents required when opened: International passport_Insurance provide 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 uf3_07. Documents required when opened: Driver's license_Insurance provider 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 uf3_07. Documents required when opened: Voter's card_Insurance provider 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 uf3_07. Documents required when opened: Passport photograph_Insurance provider 22 13972 0 No 13 1 Yes 9 Sysmiss 13972 uf3_07. Documents required when opened: Completed application form_Insurance pro 22 13972 0 No 18 1 Yes 4 Sysmiss 13972 uf3_07. Documents required when opened: Completed reference form_Insurance provi 22 13972 0 No 18 1 Yes 4 Sysmiss 13972 uf3_07. Documents required when opened: Proof of address_Non-Deposit Taking Lend 22 13972 0 No 21 1 Yes 1 Sysmiss 13972 uf3_07. Documents required when opened: Mobile phone number_Insurance provider 22 13972 0 No 7 1 Yes 15 Sysmiss 13972 uf3_07. Documents required when opened: Email address_Insurance provider 22 13972 0 No 21 1 Yes 1 Sysmiss 13972 uf3_07. Documents required when opened: Bank account details_Insurance provider 22 13972 0 No 17 1 Yes 5 Sysmiss 13972 uf3_07. Documents required when opened: Income slip_Insurance provider 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 uf3_07. Documents required when opened: Name and address but no document was req 22 13972 0 No 17 1 Yes 5 Sysmiss 13972 uf3_07. Documents required when opened: Asylum seeker_Insurance provider 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 uf3_07. Documents required when opened: Other_Insurance provider 22 13972 0 No 17 1 Yes 5 Sysmiss 13972 uf3_07. Documents required when opened: Don't know/Can't remember_Insurance prov 22 13972 0 No 17 1 Yes 5 Sysmiss 13972 uf3_08.Documents required when opened: National ID card_Pension fund administrat 15 13979 0 No 3 1 Yes 12 Sysmiss 13979 uf3_08. Documents required when opened: Refugee ID_Pension fund administrator 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: International passport_Pension fund admi 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: Driver's license_Pension fund administra 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: Voter's card_Pension fund administrator 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: Passport photograph_Pension fund adminis 15 13979 0 No 13 1 Yes 2 Sysmiss 13979 uf3_08. Documents required when opened: Completed application form_Pension fund 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: Completed reference form_Pension fund ad 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: Proof of address_Non-Deposit Taking Lend 15 13979 0 No 14 1 Yes 1 Sysmiss 13979 uf3_08. Documents required when opened: Mobile phone number_Pension fund adminis 15 13979 0 No 12 1 Yes 3 Sysmiss 13979 uf3_08. Documents required when opened: Email address_Pension fund administrator 15 13979 0 No 14 1 Yes 1 Sysmiss 13979 uf3_08. Documents required when opened: Bank account details_Pension fund admini 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: Income slip_Pension fund administrator 15 13979 0 No 14 1 Yes 1 Sysmiss 13979 uf3_08. Documents required when opened: Name and address but no document was req 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: Asylum seeker_Pension fund administrator 15 13979 0 No 15 1 Yes 0 Sysmiss 13979 uf3_08. Documents required when opened: Other_Pension fund administrator 15 13979 0 No 13 1 Yes 2 Sysmiss 13979 uf3_08. Documents required when opened: Don't know/Can't remember_Pension fund a 15 13979 0 No 13 1 Yes 2 Sysmiss 13979 uf3_09.Documents required when opened: National ID card_Long-Term Saving Scheme 634 13360 0 No 138 1 Yes 496 Sysmiss 13360 uf3_09. Documents required when opened: Refugee ID_Long-Term Saving Scheme (EJOH 634 13360 0 No 631 1 Yes 3 Sysmiss 13360 uf3_09. Documents required when opened: International passport_Long-Term Saving 634 13360 0 No 634 1 Yes 0 Sysmiss 13360 uf3_09. Documents required when opened: Driver's license_Long-Term Saving Scheme 634 13360 0 No 634 1 Yes 0 Sysmiss 13360 uf3_09. Documents required when opened: Voter's card_Long-Term Saving Scheme (EJ 634 13360 0 No 633 1 Yes 1 Sysmiss 13360 uf3_09. Documents required when opened: Passport photograph_Long-Term Saving Sch 634 13360 0 No 577 1 Yes 57 Sysmiss 13360 uf3_09. Documents required when opened: Completed application form_Long-Term Sav 634 13360 0 No 629 1 Yes 5 Sysmiss 13360 uf3_09. Documents required when opened: Completed reference form_Long-Term Savin 634 13360 0 No 633 1 Yes 1 Sysmiss 13360 uf3_09. Documents required when opened: Proof of address_Non-Deposit Taking Lend 634 13360 0 No 633 1 Yes 1 Sysmiss 13360 uf3_09. Documents required when opened: Mobile phone number_Long-Term Saving Sch 634 13360 0 No 338 1 Yes 296 Sysmiss 13360 uf3_09. Documents required when opened: Email address_Long-Term Saving Scheme (E 634 13360 0 No 628 1 Yes 6 Sysmiss 13360 uf3_09. Documents required when opened: Bank account details_Long-Term Saving Sc 634 13360 0 No 632 1 Yes 2 Sysmiss 13360 uf3_09. Documents required when opened: Income slip_Long-Term Saving Scheme (EJO 634 13360 0 No 633 1 Yes 1 Sysmiss 13360 uf3_09. Documents required when opened: Name and address but no document was req 634 13360 0 No 553 1 Yes 81 Sysmiss 13360 uf3_09. Documents required when opened: Asylum seeker_Long-Term Saving Scheme (E 634 13360 0 No 634 1 Yes 0 Sysmiss 13360 uf3_09. Documents required when opened: Other_Long-Term Saving Scheme (EJOHEZA) 634 13360 0 No 588 1 Yes 46 Sysmiss 13360 uf3_09. Documents required when opened: Don't know/Can't remember_Long-Term Savi 634 13360 0 No 588 1 Yes 46 Sysmiss 13360 uf3_10.Documents required when opened: National ID card_Savings group that you s 1865 12129 0 No 1399 1 Yes 466 Sysmiss 12129 uf3_10. Documents required when opened: Refugee ID_Savings group that you save w 1865 12129 0 No 1862 1 Yes 3 Sysmiss 12129 uf3_10. Documents required when opened: International passport_Savings group tha 1865 12129 0 No 1864 1 Yes 1 Sysmiss 12129 uf3_10. Documents required when opened: Driver's license_Savings group that you 1865 12129 0 No 1864 1 Yes 1 Sysmiss 12129 uf3_10. Documents required when opened: Voter's card_Savings group that you save 1865 12129 0 No 1865 1 Yes 0 Sysmiss 12129 uf3_10. Documents required when opened: Passport photograph_Savings group that y 1865 12129 0 No 1814 1 Yes 51 Sysmiss 12129 uf3_10. Documents required when opened: Completed application form_Savings group 1865 12129 0 No 1849 1 Yes 16 Sysmiss 12129 uf3_10. Documents required when opened: Completed reference form_Savings group t 1865 12129 0 No 1855 1 Yes 10 Sysmiss 12129 uf3_10. Documents required when opened: Proof of address_Non-Deposit Taking Lend 1865 12129 0 No 1855 1 Yes 10 Sysmiss 12129 uf3_10. Documents required when opened: Mobile phone number_Savings group that y 1865 12129 0 No 1588 1 Yes 277 Sysmiss 12129 uf3_10. Documents required when opened: Email address_Savings group that you sav 1865 12129 0 No 1861 1 Yes 4 Sysmiss 12129 uf3_10. Documents required when opened: Bank account details_Savings group that 1865 12129 0 No 1863 1 Yes 2 Sysmiss 12129 uf3_10. Documents required when opened: Income slip_Savings group that you save 1865 12129 0 No 1845 1 Yes 20 Sysmiss 12129 uf3_10. Documents required when opened: Name and address but no document was req 1865 12129 0 No 1108 1 Yes 757 Sysmiss 12129 uf3_10. Documents required when opened: Asylum seeker_Savings group that you sav 1865 12129 0 No 1864 1 Yes 1 Sysmiss 12129 uf3_10. Documents required when opened: Other_Savings group that you save with o 1865 12129 0 No 1362 1 Yes 503 Sysmiss 12129 uf3_10. Documents required when opened: Don't know/Can't remember_Savings group 1865 12129 0 No 1362 1 Yes 503 Sysmiss 12129 uf3_11.Documents required when opened: National ID card_Village/community associ 284 13710 0 No 194 1 Yes 90 Sysmiss 13710 uf3_11. Documents required when opened: Refugee ID_Village/community association 284 13710 0 No 284 1 Yes 0 Sysmiss 13710 uf3_11. Documents required when opened: International passport_Village/community 284 13710 0 No 284 1 Yes 0 Sysmiss 13710 uf3_11. Documents required when opened: Driver's license_Village/community assoc 284 13710 0 No 284 1 Yes 0 Sysmiss 13710 uf3_11. Documents required when opened: Voter's card_Village/community associati 284 13710 0 No 284 1 Yes 0 Sysmiss 13710 uf3_11. Documents required when opened: Passport photograph_Village/community as 284 13710 0 No 276 1 Yes 8 Sysmiss 13710 uf3_11. Documents required when opened: Completed application form_Village/commu 284 13710 0 No 279 1 Yes 5 Sysmiss 13710 uf3_11. Documents required when opened: Completed reference form_Village/communi 284 13710 0 No 284 1 Yes 0 Sysmiss 13710 uf3_11. Documents required when opened: Proof of address_Non-Deposit Taking Lend 284 13710 0 No 280 1 Yes 4 Sysmiss 13710 uf3_11. Documents required when opened: Mobile phone number_Village/community as 284 13710 0 No 247 1 Yes 37 Sysmiss 13710 uf3_11. Documents required when opened: Email address_Village/community associat 284 13710 0 No 284 1 Yes 0 Sysmiss 13710 uf3_11. Documents required when opened: Bank account details_Village/community a 284 13710 0 No 283 1 Yes 1 Sysmiss 13710 uf3_11. Documents required when opened: Income slip_Village/community associatio 284 13710 0 No 284 1 Yes 0 Sysmiss 13710 uf3_11. Documents required when opened: Name and address but no document was req 284 13710 0 No 206 1 Yes 78 Sysmiss 13710 uf3_11. Documents required when opened: Asylum seeker_Village/community associat 284 13710 0 No 284 1 Yes 0 Sysmiss 13710 uf3_11. Documents required when opened: Other_Village/community association 284 13710 0 No 195 1 Yes 89 Sysmiss 13710 uf3_11. Documents required when opened: Don't know/Can't remember_Village/commun 284 13710 0 No 195 1 Yes 89 Sysmiss 13710 uf4. Savings accounts with-Commercial bank 2577 11417 0 No 1806 1 Yes 771 Sysmiss 11417 uf4. Current accounts with-Commercial bank 2577 11417 0 No 468 1 Yes 2109 Sysmiss 11417 uf4. Fixed deposits with-Commercial bank 2577 11417 0 No 2270 1 Yes 307 Sysmiss 11417 uf4. Outstanding loans with-Commercial bank 2577 11417 0 No 2538 1 Yes 39 Sysmiss 11417 uf4. Other with-Commercial bank 2577 11417 0 No 2538 1 Yes 39 Sysmiss 11417 uf4. Savings accounts with-Digital bank 48 13946 0 No 36 1 Yes 12 Sysmiss 13946 uf4. Current accounts with-Digital bank 48 13946 0 No 11 1 Yes 37 Sysmiss 13946 uf4. Fixed deposits with-Digital bank 48 13946 0 No 38 1 Yes 10 Sysmiss 13946 uf4. Outstanding loans with-Digital bank 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 uf4. Other with-Digital bank 48 13946 0 No 48 1 Yes 0 Sysmiss 13946 uf4. Savings accounts with-Microfinance institution 836 13158 0 No 598 1 Yes 238 Sysmiss 13158 uf4. Current accounts with-Microfinance institution 836 13158 0 No 174 1 Yes 662 Sysmiss 13158 uf4. Fixed deposits with-Microfinance institution 836 13158 0 No 749 1 Yes 87 Sysmiss 13158 uf4. Outstanding loans with-Microfinance institution 836 13158 0 No 802 1 Yes 34 Sysmiss 13158 uf4. Other with-Microfinance institution 836 13158 0 No 822 1 Yes 14 Sysmiss 13158 uf4. Savings accounts with-Non Deposit Taking Lending Financial (NDFI) 54 13940 0 No 30 1 Yes 24 Sysmiss 13940 uf4. Current accounts with-Non Deposit Taking Lending Financial (NDFI) 54 13940 0 No 18 1 Yes 36 Sysmiss 13940 uf4. Fixed deposits with-Non Deposit Taking Lending Financial (NDFI) 54 13940 0 No 47 1 Yes 7 Sysmiss 13940 uf4. Outstanding loans with-Non Deposit Taking Lending Financial (NDFI) 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 uf4. Other with-Non Deposit Taking Lending Financial (NDFI) 54 13940 0 No 51 1 Yes 3 Sysmiss 13940 uf4. Savings accounts with-Mobile money operatorr 4915 9079 0 No 3744 1 Yes 1171 Sysmiss 9079 uf4. Current accounts with-Mobile money operator 4915 9079 0 No 791 1 Yes 4124 Sysmiss 9079 uf4. Fixed deposits with-Mobile money operator 4915 9079 0 No 4405 1 Yes 510 Sysmiss 9079 uf4. Outstanding loans with-Mobile money operator 4915 9079 0 No 4886 1 Yes 29 Sysmiss 9079 uf4. Other with-Mobile money operator 4915 9079 0 No 4888 1 Yes 27 Sysmiss 9079 uf4. Savings accounts with-Umurenge SACCO 4172 9822 0 No 2976 1 Yes 1196 Sysmiss 9822 uf4. Current accounts with-Umurenge SACCO 4172 9822 0 No 923 1 Yes 3249 Sysmiss 9822 uf4. Fixed deposits with-Umurenge SACCO 4172 9822 0 No 3797 1 Yes 375 Sysmiss 9822 uf4. Outstanding loans with-Umurenge SACCO 4172 9822 0 No 4111 1 Yes 61 Sysmiss 9822 uf4. Other with-Umurenge SACCO 4172 9822 0 No 4079 1 Yes 93 Sysmiss 9822 uf4. Savings accounts with-Insurance provider 198 13796 0 No 82 1 Yes 116 Sysmiss 13796 uf4. Current accounts with-Insurance provider 198 13796 0 No 135 1 Yes 63 Sysmiss 13796 uf4. Fixed deposits with-Insurance provider 198 13796 0 No 170 1 Yes 28 Sysmiss 13796 uf4. Outstanding loans with-Insurance provider 198 13796 0 No 194 1 Yes 4 Sysmiss 13796 uf4. Other with-Insurance provider 198 13796 0 No 185 1 Yes 13 Sysmiss 13796 uf4. Savings accounts with-Pension fund administrator 228 13766 0 No 47 1 Yes 181 Sysmiss 13766 uf4. Current accounts with-Pension fund administrator 228 13766 0 No 203 1 Yes 25 Sysmiss 13766 uf4. Fixed deposits with-Pension fund administrator 228 13766 0 No 209 1 Yes 19 Sysmiss 13766 uf4. Outstanding loans with-Pension fund administrator 228 13766 0 No 226 1 Yes 2 Sysmiss 13766 uf4. Other with-Pension fund administrator 228 13766 0 No 214 1 Yes 14 Sysmiss 13766 uf4. Savings accounts with-Long Term Saving Scheme (EJOHEZA) 1723 12271 0 No 303 1 Yes 1420 Sysmiss 12271 uf4. Current accounts with-Long Term Saving Scheme (EJOHEZA) 1723 12271 0 No 1453 1 Yes 270 Sysmiss 12271 uf4. Fixed deposits with-Long Term Saving Scheme (EJOHEZA) 1723 12271 0 No 1544 1 Yes 179 Sysmiss 12271 uf4. Outstanding loans with-Long Term Saving Scheme (EJOHEZA) 1723 12271 0 No 1715 1 Yes 8 Sysmiss 12271 uf4. Other with-Long Term Saving Scheme (EJOHEZA) 1723 12271 0 No 1702 1 Yes 21 Sysmiss 12271 uf4. Savings accounts with-Savings group that you save with or borrow from 7026 6968 0 No 2367 1 Yes 4659 Sysmiss 6968 uf4. Current accounts with-Savings group that you save with or borrow from 7026 6968 0 No 4601 1 Yes 2425 Sysmiss 6968 uf4. Fixed deposits with-Savings group that you save with or borrow from 7026 6968 0 No 5906 1 Yes 1120 Sysmiss 6968 uf4. Outstanding loans with-Savings group that you save with or borrow from 7026 6968 0 No 6817 1 Yes 209 Sysmiss 6968 uf4. Other with-Savings group that you save with or borrow from 7026 6968 0 No 6898 1 Yes 128 Sysmiss 6968 uf4. Savings accounts with-Village/community association 1166 12828 0 No 311 1 Yes 855 Sysmiss 12828 uf4. Current accounts with-Village/community association 1166 12828 0 No 814 1 Yes 352 Sysmiss 12828 uf4. Fixed deposits with-Village/community association 1166 12828 0 No 918 1 Yes 248 Sysmiss 12828 uf4. Outstanding loans with-Village/community association 1166 12828 0 No 1106 1 Yes 60 Sysmiss 12828 uf4. Other with-Village/community association 1166 12828 0 No 1153 1 Yes 13 Sysmiss 12828 uf5. If you have a problem with your financial institution that you cannot resol 13994 0 1 Lawyer/court 399 2 Police 1806 3 Family/friend 0 4 Cannot do anything 5105 5 Community leader 597 6 Social media 21 7 National Bank of Rwanda 96 8 Intumwa Chatbot 23 98 Other 679 99 Don't know 5268 G1. People have different ways of describing what it means to save. Which of the 13994 0 1 Putting money in a special place/account to keep it safe 3358 2 Putting money aside to stop you from spending it immediatel so that you have it later when you need it 4164 3 Putting money away so that the total amount increases over time as you put more away 3122 4 Putting money aside for you to use later for a specific purpose 3350 Which of the following statements are true for you? 0 0 g2. You save for difficult times - even if your income is low 7230 6764 1 True 6287 2 False 943 Sysmiss 6764 g2. You believe it is better to save where your money is safe than to take risks 7230 6764 1 True 3318 2 False 3912 Sysmiss 6764 g2. You save or put money away for a specific purpose and you do not use it for 7230 6764 1 True 4656 2 False 2574 Sysmiss 6764 g2. You save or put money away for a specific purpose, but you end up using it b 7230 6764 1 True 4451 2 False 2779 Sysmiss 6764 g2. You know about different retirement products or packages 7230 6764 1 True 2050 2 False 5180 Sysmiss 6764 G3. What is the shortest time for you to put money aside for it to count as savi 13994 0 1 One day 766 2 One week 3453 3 One month 4282 4 Three to six months 1937 5 Seven to 11 months 283 6 One year 2018 7 Longer than one year 513 99 Don?t know 742 G3a. Please tell me which of the following do you have? 0 0 g3a. Saving with - Commercial bank 13994 0 0 No 12251 1 Yes 1743 g3a. Saving with - MFI or a non-umurenge SACCO 13994 0 0 No 13425 1 Yes 569 13994 0 0 No 11320 1 Yes 2674 g3a. Saving through - Insurance for education 13994 0 0 No 13947 1 Yes 47 g3a. Saving through - Ejo Heza Fund 13994 0 0 No 12349 1 Yes 1645 g3a. Saving through - Iterambere Fund (RNIT) 13994 0 0 No 13991 1 Yes 3 g3a. Saving through - Private pension like RSSB, Ituze... 13994 0 0 No 13821 1 Yes 173 g3a. Saving with - Saving_Umurenge SACCO 13994 0 0 No 11697 1 Yes 2297 g3a. Saving through - Saving_capital/stock market 13994 0 0 No 13989 1 Yes 5 g3a. Saving with - Pension fund/provident fund 13994 0 0 No 13899 1 Yes 95 g3a. Saving with - a group such as a coop, VSLA, tontine, ikibina 13994 0 0 No 6440 1 Yes 7554 g3a. Saving through - someone in community who keeps it safe for you 13994 0 0 No 13839 1 Yes 155 g3a. Saving with - someone in household/family who keeps it safe for you 13994 0 0 No 13839 1 Yes 155 g3a. Saving through buy things to sell later 13994 0 0 No 13532 1 Yes 462 g3a. Saving in a secret place at home 13994 0 0 No 13045 1 Yes 949 13994 0 0 No 13921 1 Yes 73 g3a. Saving with - Do not save 13994 0 0 No 11396 1 Yes 2598 G3b. With which institution(s) do you have ?? 0 0 g3b. With-Access bank Rwanda 4000 9994 0 No 3962 1 Yes 38 Sysmiss 9994 g3b. With-Bank of Kigali 4000 9994 0 No 3426 1 Yes 574 Sysmiss 9994 g3b. With-Banque de l'Habitat du Rwanda 4000 9994 0 No 3971 1 Yes 29 Sysmiss 9994 g3b. With-BPR Bank Rwanda Plc 4000 9994 0 No 3538 1 Yes 462 Sysmiss 9994 g3b. With-Commercial Bank of Rwanda 4000 9994 0 No 3987 1 Yes 13 Sysmiss 9994 g3b. With-Compagnie GÃ©nÃ©rale de Banque 4000 9994 0 No 3901 1 Yes 99 Sysmiss 9994 g3b. With-Ecobank 4000 9994 0 No 3977 1 Yes 23 Sysmiss 9994 g3b. With-Equity Bank 4000 9994 0 No 3355 1 Yes 645 Sysmiss 9994 g3b. With-Fina Bank 4000 9994 0 No 3986 1 Yes 14 Sysmiss 9994 g3b. With-I&M Bank Rwanda 4000 9994 0 No 3937 1 Yes 63 Sysmiss 9994 g3b. With-Kenya Commercial Bank 4000 9994 0 No 3996 1 Yes 4 Sysmiss 9994 g3b. With-National Bank of Rwanda 4000 9994 0 No 4000 1 Yes 0 Sysmiss 9994 g3b. With-Rwanda Development Bank 4000 9994 0 No 3998 1 Yes 2 Sysmiss 9994 g3b. With-Urwego Opportunity Bank (UOB) 4000 9994 0 No 3831 1 Yes 169 Sysmiss 9994 g3b. With-MTN 4000 9994 0 No 1267 1 Yes 2733 Sysmiss 9994 g3b. With-Airtel Rwanda 4000 9994 0 No 3802 1 Yes 198 Sysmiss 9994 G4a. Which of these ways of saving suits you best? 4000 9994 1 Access bank Rwanda 35 2 Bank of Kigali 472 3 Banque de l?Habitat du Rwanda 23 4 BPR Bank Rwanda Plc 357 5 Commercial Bank of Rwanda 7 6 Compagnie G 74 7 Ecobank 18 8 Equity Bank 485 9 Fina Bank 9 10 I&M Bank Rwanda 44 11 Kenya Commercial Bank 4 12 National Bank of Rwanda 0 13 Rwanda Development Bank 2 14 Urwego Opportunity Bank (UOB) 134 15 MTN 2249 16 Airtel Rwanda 87 Sysmiss 9994 G4b. What is the main reason why you save in this way 4000 9994 1 Proximity ? convenient access 1566 2 Easy/simple to use 1018 3 The requirements are easy to meet/no stringent requirements 207 4 Have quick access to savings 159 5 No reliance on technology/networks that can fail 138 6 Know money is safe from theft/fire 573 7 Trust them/know them 22 8 Earn good interest 66 9 Because others (family members/community/members/friends) use it 23 10 Enables access to soft loans 92 98 Other, specify 136 Sysmiss 9994 G5. To what extent do you agree or disagree that [main saving device in G4a] hel 4000 9994 1 Strongly Agree 2419 2 Agree 1363 3 Neither agree nor disagree 118 4 Disagree 60 5 Strongly Disagree 17 99 Do not know 23 Sysmiss 9994 G6. What is your main reason for saving or putting money away for? 4000 9994 1 Living expenses for when times are hard 2830 2 Medical expenses either planned or emergency 122 3 An emergency other than medical 154 4 Marriage / wedding expenses 10 5 Funeral expenses 4 6 Education or school fees 166 7 Farming expenses (inputs) 39 8 Buying livestock 128 9 Buying equipment/appliances 28 10 Providing something for my family after I die 52 11 Building/Buying a house/land 164 12 Old age 38 13 Improving my dwelling 37 98 Other, specify 228 Sysmiss 9994 G7. How often do you save [main saving device in G4a]? 4000 9994 1 Daily 183 2 Weekly 1113 3 Monthly 1417 4 When have extra money 1118 98 Other specify 169 Sysmiss 9994 G8:How much did you save the last time 4000 9994 100 520000 36861.988 67931.407 G9. Reason for Not saving 0 0 g9. Never thought about it 9994 4000 0 No 9852 1 Yes 142 Sysmiss 4000 g9. I prefer to spend money on other things I need more 9994 4000 0 No 9760 1 Yes 234 Sysmiss 4000 g9. I prefer to invest in other things e.g., property, livestock 9994 4000 0 No 9970 1 Yes 24 Sysmiss 4000 g9. My children will look after me, so I don?t need it 9994 4000 0 No 9938 1 Yes 56 Sysmiss 4000 g9. I save in other ways e.g., keep cash at home 9994 4000 0 No 9954 1 Yes 40 Sysmiss 4000 g9. I won't be able to access my money if I need it 9994 4000 0 No 9882 1 Yes 112 Sysmiss 4000 g9. I don't want to save 9994 4000 0 No 9981 1 Yes 13 Sysmiss 4000 g9. I don't need to save 9994 4000 0 No 9973 1 Yes 21 Sysmiss 4000 g9. Don't know about investment and savings 9994 4000 0 No 9967 1 Yes 27 Sysmiss 4000 g9. I don't have money to save or invest 9994 4000 0 No 8809 1 Yes 1185 Sysmiss 4000 g9. I do not have a bank account 9994 4000 0 No 9863 1 Yes 131 Sysmiss 4000 g9. It is too expensive 9994 4000 0 No 9765 1 Yes 229 Sysmiss 4000 g9. I don't have a job 9994 4000 0 No 9048 1 Yes 946 Sysmiss 4000 g9. Do not understand the investment/savings products 9994 4000 0 No 9952 1 Yes 42 Sysmiss 4000 g9. There are too many to choose from so I get confused 9994 4000 0 No 9984 1 Yes 10 Sysmiss 4000 g9. Don't know 9994 4000 0 No 9922 1 Yes 72 Sysmiss 4000 g9. Other (Specify) 9994 4000 0 No 9741 1 Yes 253 Sysmiss 4000 0 0 13994 0 1 Have 3357 2 Don't have 10637 13994 0 1 Have 4443 2 Don't have 9551 13994 0 1 Have 5877 2 Don't have 8117 13994 0 1 Have 238 2 Don't have 13756 13994 0 1 Have 21 2 Don't have 13973 13994 0 1 Have 266 2 Don't have 13728 13994 0 1 Have 33 2 Don't have 13961 13994 0 1 Have 826 2 Don't have 13168 G11a. Do you contribute to /have any pension fund? 13994 0 1 Yes 2531 2 No 11251 99 Don't know 212 G11b. Do you currently have an old-age savings? 13994 0 1 Yes 2307 2 No 11496 99 Don't know 191 Which of the following statements,do you aggree with? 0 0 g12_1. Do you know the retirement package? 2106 11888 1 Yes 1214 2 No 892 Sysmiss 11888 g12_2. Are you happy with age and retirement package 2106 11888 1 Yes 1226 2 No 880 Sysmiss 11888 g12_3. Do you understand your pension benefits 2106 11888 1 Yes 1608 2 No 498 Sysmiss 11888 Have you heard of the following terms? 0 0 g13_01. Have you heard-Stocks/ equity/shares 13994 0 1 Yes 4704 2 No 9290 g13_02. Have you heard-Bonds 13994 0 1 Yes 4217 2 No 9777 g13_03. Have you heard-Shares in the capital market 13994 0 1 Yes 4418 2 No 9576 g13_04. Have you heard-Treasury bills 13994 0 1 Yes 3161 2 No 10833 g13_05. Have you heard-Mutual funds (RNIT Iterambere Funds) 13994 0 1 Yes 3798 2 No 10196 g13_06. Have you heard-Equities 13994 0 1 Yes 3086 2 No 10908 g13_07. Have you heard-Collective investment schemes 13994 0 1 Yes 3196 2 No 10798 g13_08. Have you heard-Non-Interest products 13994 0 1 Yes 2170 2 No 11824 g13_09. Have you heard-Capital market 13994 0 1 Yes 4840 2 No 9154 g13_10. Have you heard-Security exchange commission 13994 0 1 Yes 2251 2 No 11743 g13_11. Have you heard-Stockbroker 13994 0 1 Yes 2659 2 No 11335 g13_12. Have you heard-Unit trust 13994 0 1 Yes 2547 2 No 11447 g13_13. Have you heard-Fixed deposits 13994 0 1 Yes 7697 2 No 6297 g13_14. Have you heard-Asset manager 13994 0 1 Yes 5201 2 No 8793 Have you used any of the following? 0 0 g14a_01. Have you used-Stocks/ equity/shares 4704 9290 0 No 4392 1 Yes 312 Sysmiss 9290 g14a_02. Have you used-Bonds 4217 9777 0 No 3955 1 Yes 262 Sysmiss 9777 g14a_03. Have you used-Shares in the capital market 4418 9576 0 No 4188 1 Yes 230 Sysmiss 9576 g14a_04. Have you used-Treasury bills 3161 10833 0 No 3002 1 Yes 159 Sysmiss 10833 g14a_05. Have you used-Mutual funds (RNIT Iterambere Funds) 3798 10196 0 No 3178 1 Yes 620 Sysmiss 10196 g14a_06. Have you used-Equities 3086 10908 0 No 2975 1 Yes 111 Sysmiss 10908 g14a_07. Have you used-Collective investment schemes 3196 10798 0 No 3033 1 Yes 163 Sysmiss 10798 g14a_09. Have you used-Capital market 4840 9154 0 No 4511 1 Yes 329 Sysmiss 9154 g14a_10. Have you used-Security exchange commission 2251 11743 0 No 2161 1 Yes 90 Sysmiss 11743 g14a_11. Have you used-Stockbroker 2659 11335 0 No 2526 1 Yes 133 Sysmiss 11335 g14a_12. Have you used-Unit trust 2547 11447 0 No 2455 1 Yes 92 Sysmiss 11447 g14a_13. Have you used-Fixed deposits 7697 6297 0 No 6608 1 Yes 1089 Sysmiss 6297 g14a_14. Have you used-Asset manager 5201 8793 0 No 4582 1 Yes 619 Sysmiss 8793 Have you invested money or bought any of the following ..... 0 0 g14b_1. Have you invested money or bought-Bought/started a business 13994 0 1 Yes 2158 2 No 11836 g14b_2. Have you invested money or bought-Invested in someone else's business 13994 0 1 Yes 203 2 No 13791 g14b_3. Have you invested money or bought-Bought agricultural land to start farm 13994 0 1 Yes 1809 2 No 12185 g14b_4. Have you invested money or bought-Bought additional agricultural land to 13994 0 1 Yes 1025 2 No 12969 g14b_5. Have you invested money or bought-Invested in property to rent out 13994 0 1 Yes 817 2 No 13177 g14b_6. Have you invested money or bought-Bought assets that can use to generate 13994 0 1 Yes 1840 2 No 12154 g14b_7. Have you invested money or bought-Bought livestoke to generate money 13994 0 1 Yes 3651 2 No 10343 G15. Why have you not used any investment products? 0 0 g15. I do not have the kind of money required to invest 788 13206 0 No 438 1 Yes 350 Sysmiss 13206 g15. I don't need to invest 788 13206 0 No 783 1 Yes 5 Sysmiss 13206 g15. Don't understand how to invest 788 13206 0 No 764 1 Yes 24 Sysmiss 13206 g15. I don't have an ID/passport 788 13206 0 No 786 1 Yes 2 Sysmiss 13206 g15. I use my money for savings not investments 788 13206 0 No 763 1 Yes 25 Sysmiss 13206 g15. I have better option to invest in, instead of capital market 788 13206 0 No 784 1 Yes 4 Sysmiss 13206 g15. I lost money in the investment markets 788 13206 0 No 788 1 Yes 0 Sysmiss 13206 g15. I have never heard of securities markets 788 13206 0 No 788 1 Yes 0 Sysmiss 13206 g15. I don't trust securities markets and stockbrokers 788 13206 0 No 785 1 Yes 3 Sysmiss 13206 g15. It's too complicated 788 13206 0 No 728 1 Yes 60 Sysmiss 13206 g15. I do not like taking risk in the securities market 788 13206 0 No 788 1 Yes 0 Sysmiss 13206 g15. Don't know 788 13206 0 No 786 1 Yes 2 Sysmiss 13206 g15. Other (SPECIFY) 788 13206 0 No 783 1 Yes 5 Sysmiss 13206 Do you agree/disagree with the following statements? 0 13994 Sysmiss 13994 h1_1. You prefer to save money for something rather than borrow to pay for it 13994 0 1 Agree 10786 2 Disagree 3208 h1_2. If you borrow money, it is okay to pay it a bit later than agreed 13994 0 1 Agree 4395 2 Disagree 9599 h1_3. Being able to borrow money when you need it is more important than the amo 13994 0 1 Agree 7297 2 Disagree 6697 h1_4. It is better to keep savings than to use it to pay a debt 13994 0 1 Agree 5953 2 Disagree 8041 h1_5. You are aware of the Credit Reference Bureau 13994 0 1 Agree 1818 2 Disagree 12176 h1_6. You have checked your credit history through Credit Reference Bureau 13994 0 1 Agree 1421 2 Disagree 12573 h1_7. You are aware of the consequencies of defaulting your loan 13994 0 1 Agree 7875 2 Disagree 6119 Credit status 0 0 H2_1. Borrowed money during the past 12 months 13994 0 1 Yes 5801 2 No 8193 H2_2 . Have been paying back money you borrowed in the past 12 months 13994 0 1 Yes 5556 2 No 8438 H2_3 . Got any goods or services in advance and had to pay it later in the past 13994 0 1 Yes 5357 2 No 8637 H3. Please tell me which of the following have you done in the past 12 months? 13994 0 A 299 AB 15 ABCHJ 1 ABCO 1 ABEIO 1 ABEO 1 ABFM 2 ABHN 1 ABIMO 2 ABMO 1 AC 5 ACEF 1 ACF 1 ACI 5 ACIMO 2 AE 27 AEF 2 AEI 10 AEM 1 AEMO 1 AF 9 AFI 2 AFIMO 2 AFK 2 AFO 1 AG 1 AGI 2 AI 54 AIJMO 2 AIM 5 AIMO 8 AIO 3 AJ 1 AJO 1 AK 2 AM 9 AMO 1 AO 19 B 22 BC 5 BCEI 2 BCEIO 4 BCI 2 BCIJK 1 BE 3 BEI 4 BEIK 1 BEIM 1 BEIO 2 BEKL 1 BEM 4 BEMO 3 BEO 3 BF 3 BFI 5 BHIO 1 BI 15 BIJMO 1 BIMO 1 BIO 5 BKMNO 1 BKMO 1 BM 3 BMO 1 BMQ 1 BO 1 C 200 CE 17 CEFI 2 CEI 13 CEIMNO 1 CEMO 1 CEN 1 CEO 3 CF 3 CFI 4 CFIJ 1 CFO 3 CG 1 CGIO 1 CHIMO 1 CI 53 CIK 4 CIM 1 CIMNO 1 CIMO 3 CIO 8 CJ 1 CM 1 CMO 5 CN 2 CO 11 CQ 1 D 13 DF 1 DFIO 1 DI 3 DQ 1 E 103 EF 8 EFGI 1 EFH 2 EFI 2 EFIO 2 EFM 4 EFO 2 EG 1 EI 73 EIJ 1 EIJKMO 1 EIJO 3 EILO 1 EIM 1 EIMN 1 EIMO 5 EIN 1 EIO 18 EJ 2 EJM 1 EJO 1 EK 1 EL 1 EM 14 EMN 4 EMNO 1 EMO 7 EN 6 ENO 2 EO 12 EQ 5 F 360 FG 3 FGI 3 FGIJKNO 1 FGIO 1 FHIO 1 FHMO 1 FI 175 FIJ 1 FIJK 1 FIJMO 1 FIK 4 FIKM 1 FIKN 1 FIKO 1 FIM 11 FIMN 3 FIMNO 1 FIMO 16 FINO 1 FIO 32 FIQ 3 FJ 3 FJMNO 1 FK 2 FKMO 2 FKO 1 FL 1 FM 6 FMO 10 FN 1 FO 25 FQ 4 G 47 GI 10 GIJKMO 1 GIJMO 1 GIMNO 1 GIMO 1 GIO 3 GJMO 1 GM 1 GMO 1 GO 6 GQ 1 H 19 HI 2 HIJ 1 HILMO 1 HIM 2 HIMO 1 HO 2 HQ 2 I 2890 IJ 38 IJK 4 IJKLM 2 IJKLMO 3 IJKM 1 IJKMNO 1 IJKMNQ 1 IJKMO 2 IJKN 1 IJKNO 2 IJKO 11 IJLM 1 IJLMO 4 IJM 9 IJMN 1 IJMO 4 IJN 3 IJO 20 IK 27 IKL 1 IKLNO 1 IKM 7 IKMN 1 IKMNO 2 IKMO 14 IKN 1 IKNO 1 IKO 16 IKOQ 1 IL 5 ILM 2 ILMNO 2 ILMO 3 ILN 5 ILO 7 IM 182 IMN 9 IMNO 21 IMNOQ 2 IMNQ 1 IMO 249 IMOQ 2 IMQ 2 IN 24 INO 47 INOP 1 INOQ 3 INP 1 INQ 1 IO 567 IOP 2 IOQ 14 IP 2 IQ 12 J 98 JK 3 JKLMO 3 JKMNO 1 JKO 3 JL 2 JLN 1 JLO 2 JM 12 JMN 1 JMNO 1 JMO 3 JNP 1 JO 11 JQ 1 K 58 KL 1 KLM 1 KLMO 1 KLN 2 KM 4 KMNO 2 KMO 3 KN 2 KNO 2 KO 12 KOQ 1 KQ 1 L 24 LM 4 LMN 2 LMNO 2 LMO 1 LMOQ 1 LN 1 LNO 2 LO 9 M 394 MN 16 MNO 27 MNOP 1 MNOQ 2 MNQ 1 MO 236 MOQ 3 MP 2 MQ 3 N 98 NO 53 NOQ 3 NQ 4 O 540 OP 1 OQ 12 P 5 Q 127 X 5920 h3. Borrowed money from a bank 13994 0 0 No 13491 1 Yes 503 h3. Borrowed money from Digital loan 13994 0 0 No 13872 1 Yes 122 h3. Borrowed money from a MFI or a non-umurenge SACCO 13994 0 0 No 13621 1 Yes 373 h3. Borrowed money from Non-Deposit Taking Lending Financial (NDFI) 13994 0 0 No 13975 1 Yes 19 h3. Borrowed money through Mobile Money credit e.g MoKash 13994 0 0 No 13597 1 Yes 397 h3. Borrowed from an umurenge SACCO 13994 0 0 No 13250 1 Yes 744 h3. Got a loan from Government (Ubudehe credit scheme/VUP loan) 13994 0 0 No 13905 1 Yes 89 h3. Borrowed money from your employer 13994 0 0 No 13956 1 Yes 38 h3. Borrowed money from a group such as a co-op, VLSA, tontine, ikibina 13994 0 0 No 9126 1 Yes 4868 h3. Borrowed money from a money lender in the community 13994 0 0 No 13713 1 Yes 281 h3. Borrowed money/got goods in advance from an agricultural buyer or a farmer' 13994 0 0 No 13764 1 Yes 230 h3. Borrowed money from a church or other community-based organisation that you 13994 0 0 No 13894 1 Yes 100 h3. Borrowed money from family/friends that you had to pay back 13994 0 0 No 12569 1 Yes 1425 h3. Got money from family/friends that you did not have to pay back 13994 0 0 No 13605 1 Yes 389 h3. Got goods in advance from a shop/store and had to pay back later 13994 0 0 No 11776 1 Yes 2218 h3. Gaurantee fund 13994 0 0 No 13978 1 Yes 16 h3. Borrowed money from sources not mentioned, specify 13994 0 0 No 13778 1 Yes 216 h3. None borrowing 13994 0 0 No 8074 1 Yes 5920 H4a. With which institution(s)? 0 0 h4a. With-Access bank Rwanda 1249 12745 0 No 1240 1 Yes 9 Sysmiss 12745 h4a. With-Bank of Kigali 1249 12745 0 No 1096 1 Yes 153 Sysmiss 12745 h4a. With-Banque de l'Habitat du Rwanda 1249 12745 0 No 1246 1 Yes 3 Sysmiss 12745 h4a. With-BPR Bank Rwanda Plc 1249 12745 0 No 1152 1 Yes 97 Sysmiss 12745 h4a. With-Commercial Bank of Rwanda 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-Compagnie GÃ©nÃ©rale de Banque 1249 12745 0 No 1222 1 Yes 27 Sysmiss 12745 h4a. With-Ecobank 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-Equity Bank 1249 12745 0 No 1154 1 Yes 95 Sysmiss 12745 h4a. With-Fina Bank 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-I&M Bank Rwanda 1249 12745 0 No 1247 1 Yes 2 Sysmiss 12745 h4a. With-Kenya Commercial Bank 1249 12745 0 No 1229 1 Yes 20 Sysmiss 12745 h4a. With-National Bank of Rwanda 1249 12745 0 No 1246 1 Yes 3 Sysmiss 12745 h4a. With-Rwanda Development Bank 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-Urwego Opportunity Bank (UOB) 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-MTN 1249 12745 0 No 1167 1 Yes 82 Sysmiss 12745 h4a. With-Airtel Rwanda 1249 12745 0 No 826 1 Yes 423 Sysmiss 12745 h4a. With-AMIZERO SACCO GISAKURA 1249 12745 0 No 1226 1 Yes 23 Sysmiss 12745 h4a. With-COMICOKA 1249 12745 0 No 1248 1 Yes 1 Sysmiss 12745 h4a. With-COODEMARU 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-COOJAD BUGESERA 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-COOPEC IMPAMBA 1249 12745 0 No 1247 1 Yes 2 Sysmiss 12745 h4a. With-COOPEC INGASHYA 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-COOPEC ITI 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-COOPEC TWIZIGAMIRE 1249 12745 0 No 1248 1 Yes 1 Sysmiss 12745 h4a. With-COOPEC UBAKA 1249 12745 0 No 1247 1 Yes 2 Sysmiss 12745 h4a. With-COOPEC ZAMUKA 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-CPF INEZA 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-CSPKI 1249 12745 0 No 1244 1 Yes 5 Sysmiss 12745 h4a. With-CSTCR 1249 12745 0 No 1248 1 Yes 1 Sysmiss 12745 h4a. With-CT NYAMAGABE 1249 12745 0 No 1238 1 Yes 11 Sysmiss 12745 h4a. With-CT RUSIZI 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-Cycle Investment Cooperative (CIC SACCO) 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-GATARE TEA FARMERS SACCO 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-MTG ISHEMA SACCO 1249 12745 0 No 1248 1 Yes 1 Sysmiss 12745 h4a. With-MUGANGA SACCO 1249 12745 0 No 1247 1 Yes 2 Sysmiss 12745 h4a. With-PFUNDA TEA FARMERS AND WORKERS SACCO 1249 12745 0 No 1249 1 Yes 0 Sysmiss 12745 h4a. With-SACCO TEA SHAGASHA 1249 12745 0 No 1246 1 Yes 3 Sysmiss 12745 h4a. With-TRASO 1249 12745 0 No 1244 1 Yes 5 Sysmiss 12745 h4a. With-UMWALIMU SACCO 1249 12745 0 No 1149 1 Yes 100 Sysmiss 12745 h4a. With-Other 1249 12745 0 No 854 1 Yes 395 Sysmiss 12745 H4b. Who did you borrow the most money from? 8074 5920 1 Borrowed money from a bank (USE BANK LIST) 503 2 Digital loan (through mobile apps, USSD) 97 3 Borrowed money from an MFI or a non-umurenge SACCO (USE MFI LIST) 343 4 Non-Deposit Taking Financial Service Providers (, GroFin, Benefactors), etc), previously known as NDFIs 19 5 Mobile Money credit e.g MoKash 287 6 Borrowed from an umurenge SACCO 678 7 Got a loan from Government (Ubudehe credit scheme/VUP loan) 74 8 Borrowed money from your employer 30 9 Borrowed money from a group such as a co-op, VLSA, tontine, ikibina 4236 10 Borrowed money from a money lender in the community 143 11 Borrowed money/got goods in advance from an agricultural buyer or a farmer's organisation 90 12 Borrowed money from a church or other community-based organisation that you belong to 46 13 Borrowed money from family/friends that you had to pay back 685 14 Got money from family/friends that you did not have to pay back 158 15 Got goods in advance from a shop/store and had to pay back later 553 16 Gaurantee fund (e.g EGF,) 5 17 Borrowed money from sources not mentioned, specify 127 Sysmiss 5920 H5. What did you borrow the most money for? 8074 5920 1 Medical expenses/medical emergencies 562 2 An emergency other than medical or unexpected expenses 706 3 Funeral expenses 25 4 Education expenses (e.g., tuition, student loans) 956 5 Living expenses when you did not have money 1270 6 Farming expenses such as seeds, fertiliser 857 7 Buying livestock 578 8 For business/investment/ Starting or expanding a business 760 9 Buying farming equipment/implements 246 10 Paying off other debt 124 11 Buying land/dwelling/ Home purchase or mortgage 361 12 Building 317 13 Improving/extending the house 333 14 Wedding or major event expenses 60 98 Other specify 919 Sysmiss 5920 H6a. What is the most important thing you take into account when you choose who 8074 5920 1 Lowest interest rates 2653 2 Repayment terms that work for me (loan terms flexibility) 1560 3 Quickest access to money 1300 4 Ability to meet lender/loan requirements 729 5 Simple application process; understandable documentation 223 6 Trust/Reputation and trustworthiness of the lender 1047 7 Don?t have a choice between lenders 356 98 Other, specify 136 99 Don?t know 70 Sysmiss 5920 H6b. To what extend do you agree or disagree that [INSERT PROVIDER FROM H4c] hel 8074 5920 1 Agree 6528 2 Neither agree nor disagree 872 3 Disagree 573 99 Do not know 101 Sysmiss 5920 H6c. How do you evaluate the amount of microcredit loan interest rate charged? 8074 5920 1 Low rate 2819 2 Reasonable/affordable 3328 3 Unreasonable/unaffordable 1498 99 Do not know 429 Sysmiss 5920 h6d_1. When you were given your loan, you were given all the key details about t 8074 5920 1 Agree 6382 3 Disagree 1221 99 Do not know 471 Sysmiss 5920 h6d_2. The fees and charges for your loan are transparent, or at least easy to f 8074 5920 1 Agree 5464 3 Disagree 2124 99 Do not know 486 Sysmiss 5920 h6d_3. You were charged fees you did not expect 8074 5920 1 Agree 814 3 Disagree 6864 99 Do not know 396 Sysmiss 5920 h6d_4. The lender unexpectedly withdrew your money 8074 5920 1 Agree 655 3 Disagree 7057 99 Do not know 362 Sysmiss 5920 h6d_5. You did not fully understand the cost or fees 8074 5920 1 Agree 980 3 Disagree 6713 99 Do not know 381 Sysmiss 5920 H7. What is the main reason why you have not borrowed money? 5920 8074 1 Didn?t need to borrow money 1866 2 Don?t want to borrow money/ Don?t believe in borrowing money 319 3 Worried would not be able to pay back the money 1654 4 Interest charged on borrowed money is too high 31 5 Do not know where to borrow money from 26 6 Do not know how to apply for a loan 68 7 Do not have security or collateral 1078 8 Do not meet the requirements of financial institutions 193 9 Not allowed to borrow money by spouse, by family or other 44 10 Tried to borrow, but have been refused 30 11 Previously defaulted 129 98 Other, specify 482 Sysmiss 8074 H7. Other, specify 268 0 Assistance from relatives 1 Disability 7 Disabillity 1 Don't know 2 Government assistance 6 Has borrowed money from Umurenge Sacco 1 Has borrowed money from the community group 127 Has borrowed money from the tontine group 61 Illness 7 None 11 Old age 42 Savings 1 Waiting to borrow in community group 1 In the past 6 months, have you been refuseda loan by the following institutions? 0 0 h8a_1. Bank-In the past 6 months, have you been refused a loan 13994 0 1 Yes 111 2 No 10052 97 Not applicable 3831 h8a_2. SACCO-In the past 6 months, have you been refused a loan 13994 0 1 Yes 210 2 No 10328 97 Not applicable 3456 h8a_3. MFI-In the past 6 months, have you been refused a loan 13994 0 1 Yes 50 2 No 9917 97 Not applicable 4027 h8a_4. Mobile money-In the past 6 months, have you been refused a loan 13994 0 1 Yes 280 2 No 11307 97 Not applicable 2407 h8a_5. Savings groups-In the past 6 months, have you been refused a loan 13994 0 1 Yes 425 2 No 11575 97 Not applicable 1994 What was the main reason given for the refusal? 0 0 h8b_1. Bank-what was the main reason given for the refusal 111 13883 1 Did not have a down payment 18 2 Did not have a payslip 1 3 Did not have security/collateral 21 4 Income or saving was too low 11 5 Had too many other debts/ Still had debt to pay off 8 6 Loan officer asked for a bribe, and I didn?t pay the bribe 3 7 Bad credit history 5 8 Do not have credit history (record) 0 9 No reason/s were given 13 98 Other, (Specify) 30 99 Don?t know 1 Sysmiss 13883 h8b_2. SACCO-what was the main reason given for the refusal 210 13784 1 Did not have a down payment 24 2 Did not have a payslip 3 3 Did not have security/collateral 47 4 Income or saving was too low 8 5 Had too many other debts/ Still had debt to pay off 14 6 Loan officer asked for a bribe, and I didn?t pay the bribe 6 7 Bad credit history 5 8 Do not have credit history (record) 2 9 No reason/s were given 42 98 Other, (Specify) 55 99 Don?t know 4 Sysmiss 13784 h8b_3. MFI-what was the main reason given for the refusal 50 13944 1 Did not have a down payment 6 2 Did not have a payslip 2 3 Did not have security/collateral 4 4 Income or saving was too low 7 5 Had too many other debts/ Still had debt to pay off 2 6 Loan officer asked for a bribe, and I didn?t pay the bribe 1 7 Bad credit history 1 8 Do not have credit history (record) 5 9 No reason/s were given 11 98 Other, (Specify) 9 99 Don?t know 2 Sysmiss 13944 h8b_4. Mobile money-what was the main reason given for the refusal 280 13714 1 Did not have a down payment 84 2 Did not have a payslip 3 3 Did not have security/collateral 13 4 Income or saving was too low 30 5 Had too many other debts/ Still had debt to pay off 20 6 Loan officer asked for a bribe, and I didn?t pay the bribe 0 7 Bad credit history 11 8 Do not have credit history (record) 24 9 No reason/s were given 36 98 Other, (Specify) 49 99 Don?t know 10 Sysmiss 13714 h8b_5. Savings groups-what was the main reason given for the refusal 425 13569 1 Did not have a down payment 118 2 Did not have a payslip 1 3 Did not have security/collateral 14 4 Income or saving was too low 33 5 Had too many other debts/ Still had debt to pay off 57 6 Loan officer asked for a bribe, and I didn?t pay the bribe 4 7 Bad credit history 6 8 Do not have credit history (record) 29 9 No reason/s were given 64 98 Other, (Specify) 85 99 Don?t know 14 Sysmiss 13569 H9a. How often do/did you borrow through your mobile money operator? Would you s 397 13597 1 Daily 4 2 Weekly 30 3 Monthly 125 4 Quartely 30 5 Occassionally 208 Sysmiss 13597 H9b. The last time you borrowed through your mobile money operator, how much did 397 13597 50 250000 34240.403 49148.984 H10a. In the last 12 months, have you borrowed airtime from your network mobile 13994 0 1 Yes 6930 2 No 7064 H10b. How often do/did you borrow airtime? Would you say it is/was ?...? 6930 7064 1 Daily 325 2 Weekly 1760 3 Monthly 714 4 Quarterly 177 5 Annually 41 6 Occasionally 3913 Sysmiss 7064 H10c. The last time you borrowed airtime, how much did you borrow? 6930 7064 99 Don't know/cannot remember 602 100 2536 115 4 120 6 130 1 150 176 170 1 172 1 180 2 200 1074 208 1 220 2 230 5 232 1 235 1 240 6 247 1 250 543 277 1 280 5 290 1 300 241 340 1 345 1 350 27 360 5 370 1 375 2 380 1 400 45 408 1 420 2 430 1 440 1 450 8 460 2 500 896 540 1 550 1 560 1 570 1 575 1 600 32 650 1 675 1 700 27 720 2 725 1 740 1 750 5 800 11 820 3 850 1 900 2 1000 404 1030 1 1100 2 1150 1 1200 3 1250 1 1300 1 1400 2 1450 1 1500 20 1850 1 2000 106 2400 2 2500 8 2700 1 3000 19 3500 2 4000 3 4400 1 4500 1 5000 34 6000 2 10000 4 12000 2 20000 3 50000 1 80000 1 100000 4 440000 2 Sysmiss 7064 Please tell me which of the following you agree with? 0 0 i1_1. You agree with: Insurance is not useful because they never pay out 13994 0 1 Agree 1418 2 Disagree 10762 99 Do not know 1814 i1_2. You agree with: Having insurance is a good way of protecting yourself for 13994 0 1 Agree 11254 2 Disagree 1431 99 Do not know 1309 i1_3. You agree with: It is better to have savings to fall back on when you suff 13994 0 1 Agree 7878 2 Disagree 4991 99 Do not know 1125 i1_4. You agree with: You understand how insurance works 13994 0 1 Agree 5563 2 Disagree 6302 99 Do not know 2129 I2. Can you please tell me about something that happened to you in the past 12 m 13993 0 A 203 AB 90 ABC 16 ABCD 5 ABCDEMN 1 ABCDF 5 ABCDFGHI 1 ABCDFGM 1 ABCDFHIN 1 ABCDFIJMN 1 ABCDFLMN 1 ABCDFN 5 ABCDJMN 2 ABCDJZ 1 ABCDKMN 1 ABCDKN 1 ABCDN 1 ABCE 1 ABCEFJMN 1 ABCF 5 ABCFG 1 ABCFH 1 ABCFHJN 1 ABCFJKN 1 ABCFJN 1 ABCFKMN 1 ABCFLMN 1 ABCFMN 1 ABCFN 6 ABCGHJK 1 ABCGJMN 1 ABCHJN 1 ABCHN 1 ABCIJMN 1 ABCJKN 1 ABCJMN 2 ABCJN 3 ABCK 2 ABCKMN 1 ABCKN 2 ABCLMN 1 ABCLN 2 ABCMN 7 ABCN 16 ABD 10 ABDE 3 ABDEFIJMN 1 ABDEFJ 1 ABDEGHIJLMN 1 ABDEIJKMN 1 ABDEIJLMN 1 ABDEJMN 1 ABDF 9 ABDFGMN 1 ABDFHIMN 1 ABDFHJLMN 1 ABDFHK 1 ABDFIJMN 1 ABDFJKMN 2 ABDFJLMN 1 ABDFJMN 1 ABDFJN 1 ABDFMN 3 ABDFN 3 ABDGIJKMN 1 ABDGJMN 1 ABDJKN 1 ABDJMN 3 ABDJN 3 ABDKMN 1 ABDKN 2 ABDMN 4 ABDN 9 ABE 1 ABEF 1 ABEFGIJMN 1 ABEFGN 1 ABEFHJN 1 ABEFJMN 2 ABEHIJLMN 1 ABEJKMN 1 ABEJMN 2 ABEJN 2 ABF 10 ABFGHIJKLMN 1 ABFGHLMN 1 ABFGIN 1 ABFGMN 1 ABFHIJMN 1 ABFHJKMN 1 ABFHK 1 ABFHMN 1 ABFHN 4 ABFIKN 1 ABFJ 1 ABFJKLMN 1 ABFJKMN 2 ABFJLMN 2 ABFJMN 3 ABFJN 5 ABFKMN 9 ABFKN 2 ABFLMN 2 ABFMN 18 ABFN 20 ABGHIKMN 1 ABGHK 1 ABGHKN 1 ABGHMN 1 ABGHN 1 ABGJ 1 ABGJMN 2 ABGMN 1 ABGN 2 ABH 2 ABHIJMN 1 ABHJLM 1 ABHJMN 1 ABHLN 1 ABHMN 1 ABHN 1 ABIJN 1 ABJ 2 ABJK 1 ABJKLMN 1 ABJKMN 1 ABJKN 1 ABJLMN 1 ABJM 1 ABJMN 9 ABJN 13 ABK 4 ABKMN 6 ABKN 3 ABLMN 3 ABLN 2 ABM 6 ABMN 30 ABN 81 ABZ 1 AC 9 ACD 2 ACDKMN 1 ACDKN 1 ACDMN 1 ACDN 1 ACEMN 1 ACF 3 ACFHN 1 ACFJN 1 ACFMN 2 ACFN 2 ACJ 2 ACM 2 ACN 9 AD 9 ADF 3 ADFGMN 1 ADFJ 1 ADFJMN 1 ADFJN 1 ADFK 1 ADFMN 1 ADFN 4 ADJ 2 ADJKMN 1 ADJMN 2 ADJN 2 ADM 1 ADMN 5 ADN 9 AE 1 AEF 1 AEJMN 1 AEJN 3 AEMN 2 AEN 1 AF 14 AFG 1 AFGK 1 AFGLN 1 AFGN 1 AFHM 1 AFIJLMN 1 AFJ 2 AFJKN 1 AFJLMN 1 AFJM 1 AFJMN 2 AFJN 2 AFM 1 AFMN 8 AFN 22 AGJM 1 AGJMN 1 AGK 1 AGKN 1 AGM 2 AGMN 2 AH 3 AHJMN 1 AHMN 1 AHN 1 AI 1 AIJMN 1 AIM 1 AIMN 1 AJ 5 AJK 1 AJLMN 1 AJLN 1 AJM 1 AJMN 11 AJN 12 AK 5 AKN 2 AL 1 ALMN 1 ALN 1 AM 8 AMN 50 AMZ 2 AN 138 ANZ 3 AO 1 AZ 3 B 2155 BC 158 BCD 19 BCDEF 2 BCDEFJN 1 BCDEFMN 1 BCDEJMN 1 BCDF 8 BCDFGK 1 BCDFGMN 1 BCDFHN 1 BCDFI 1 BCDFJMN 1 BCDFMN 1 BCDFN 3 BCDFNZ 1 BCDM 1 BCDMN 3 BCDN 5 BCEFHN 1 BCEFK 1 BCEMN 1 BCF 28 BCFHJ 1 BCFHKLM 1 BCFHM 1 BCFHMN 2 BCFHN 2 BCFIL 1 BCFJ 2 BCFJLN 1 BCFJN 1 BCFK 2 BCFKMN 1 BCFM 2 BCFMN 3 BCFN 17 BCG 1 BCGMN 1 BCGN 4 BCH 3 BCHJN 2 BCHM 2 BCHMN 1 BCHN 5 BCI 1 BCJ 5 BCJK 2 BCJN 6 BCK 3 BCKM 1 BCKMN 2 BCKN 3 BCLN 3 BCM 5 BCMN 21 BCN 55 BCNZ 2 BCZ 2 BD 52 BDE 3 BDEF 1 BDEFH 1 BDEFHIL 1 BDEFJMN 2 BDEFJN 1 BDEFK 1 BDEFLN 1 BDEFN 3 BDEGN 1 BDEMN 1 BDF 29 BDFGHKN 1 BDFGIMN 1 BDFGIN 1 BDFGN 1 BDFHILMN 1 BDFJM 1 BDFJN 4 BDFK 1 BDFKMN 2 BDFKN 2 BDFLMN 1 BDFLN 1 BDFM 2 BDFMN 6 BDFN 27 BDG 1 BDGHIJN 1 BDGM 1 BDHMN 1 BDHN 1 BDJ 2 BDJM 1 BDJMN 3 BDJN 5 BDK 4 BDKN 1 BDM 3 BDMN 16 BDMZ 1 BDN 42 BDZ 1 BE 8 BEF 1 BEFIN 1 BEFJ 3 BEFN 2 BEGJ 1 BEJ 1 BEJMN 1 BEJN 2 BEMN 3 BEN 4 BEZ 1 BF 159 BFG 2 BFGHIL 1 BFGHN 1 BFGIMN 1 BFGN 2 BFH 2 BFHIN 1 BFHLN 1 BFHN 3 BFI 3 BFIJ 1 BFIJKLMN 1 BFIJM 1 BFIN 3 BFJ 8 BFJKMNZ 1 BFJMN 2 BFJN 3 BFK 6 BFKM 1 BFKMN 8 BFKN 3 BFLM 1 BFLN 2 BFM 11 BFMN 30 BFN 139 BFNH 1 BFZ 3 BG 5 BGH 2 BGHIN 1 BGHMN 1 BGHN 5 BGIKMN 1 BGILMN 1 BGJL 1 BGKN 1 BGM 1 BGMN 3 BGN 8 BGZ 1 BH 21 BHI 1 BHJ 2 BHJN 2 BHKMN 1 BHM 4 BHMN 1 BHMZ 1 BHN 14 BI 21 BIJ 2 BIJKM 1 BIJMN 1 BIKMN 1 BIMN 6 BIN 4 BJ 27 BJKN 1 BJM 1 BJMN 20 BJN 26 BK 34 BKM 3 BKMN 4 BKN 19 BL 6 BLMN 4 BLN 7 BM 64 BMN 167 BMNZ 1 BMZ 2 BN 623 BNZ 10 BZ 35 C 425 CD 7 CDEF 1 CDEFGK 1 CDEHMN 1 CDEJ 1 CDF 9 CDFHN 1 CDFM 1 CDFN 4 CDIM 1 CDJMN 1 CDMN 3 CDN 8 CE 3 CEF 1 CEFMNZ 1 CEMN 1 CF 33 CFHMN 1 CFJ 1 CFJN 1 CFM 1 CFMN 7 CFN 18 CG 1 CGN 1 CH 1 CHN 1 CI 1 CIJ 1 CIJLN 1 CILMN 1 CIMN 1 CJ 3 CJMN 1 CJMNZ 1 CJN 4 CK 5 CKN 3 CL 1 CLN 2 CM 11 CMN 23 CN 74 CNZ 1 CO 1 CZ 10 D 168 DE 5 DEF 8 DEFI 1 DEFJMN 1 DEFJN 1 DEFN 1 DEJKLMN 1 DEJMN 1 DELN 1 DEMN 1 DEN 3 DF 50 DFG 1 DFGHLN 1 DFGJLMN 1 DFGN 1 DFH 1 DFI 3 DFIJM 1 DFIN 1 DFKMN 1 DFL 1 DFM 1 DFMN 8 DFN 24 DFZ 1 DG 2 DGHMN 1 DGLN 1 DH 2 DHIM 1 DHK 1 DHM 1 DHMN 1 DIJ 1 DIN 1 DJ 4 DJM 2 DJMN 6 DJN 6 DK 1 DKN 1 DL 1 DLMN 1 DLN 1 DM 4 DMN 12 DMZ 1 DN 73 DNZ 1 DZ 1 E 23 EF 4 EFGILMN 1 EFGJLMN 1 EFJMN 2 EFLM 1 EFN 1 EGL 1 EI 1 EIJ 1 EIK 1 EJ 3 EJK 1 EJKMN 1 EJMN 3 EJMNZ 1 EJN 2 EK 1 ELN 1 EM 2 EMN 3 EN 12 F 320 FG 2 FGH 1 FGJMN 1 FGLN 1 FGM 1 FGMN 1 FH 3 FHIN 2 FHJ 1 FHJN 1 FHN 4 FI 3 FIJ 1 FIJMN 1 FIMN 2 FIN 1 FJ 4 FJMN 4 FJN 11 FK 4 FKLMN 1 FKN 2 FL 3 FLN 2 FM 4 FMN 32 FN 173 FNZ 1 FO 1 FZ 8 G 28 GH 7 GHI 3 GHIJMN 1 GHJ 2 GHM 1 GHN 2 GI 3 GJ 2 GK 3 GL 1 GLM 1 GM 3 GMN 1 GMNZ 1 GN 7 H 65 HILMN 1 HIN 1 HJ 1 HJKN 1 HJL 1 HJMN 1 HJN 3 HK 1 HKN 1 HL 1 HLM 1 HLMN 1 HM 4 HMN 4 HN 24 I 91 IJ 2 IK 1 IKN 1 IM 3 IMN 8 IN 12 J 154 JK 2 JKLM 1 JKM 1 JKMN 2 JKN 1 JL 3 JLM 1 JM 9 JMN 36 JN 69 JNZ 1 JZ 3 K 88 KL 1 KLM 1 KLMN 1 KM 1 KMN 10 KN 20 KNZ 1 KZ 1 L 37 LM 5 LMN 6 LN 15 M 142 MN 265 MNN 1 MNZ 6 MZ 2 N 1343 NO 1 NZ 38 NZIN 1 O 192 X 3632 Z 283 i2. Member of household lost job/income 13993 1 0 No 12822 1 Yes 1171 Sysmiss 1 i2. Serious illness of a household member 13993 1 0 No 9049 1 Yes 4944 Sysmiss 1 i2. Death of a relative/household member 13993 1 0 No 12761 1 Yes 1232 Sysmiss 1 i2. Theft of household property 13993 1 0 No 13109 1 Yes 884 Sysmiss 1 i2. Theft of business stock/goods 13993 1 0 No 13805 1 Yes 188 Sysmiss 1 i2. Theft of agricultural crop/livestock 13993 1 0 No 12370 1 Yes 1623 Sysmiss 1 i2. Loss of household goods due to fire/flood/storm 13993 1 0 No 13812 1 Yes 181 Sysmiss 1 i2. Agricultural crop/livestock destroyed by fire/ flood/storm 13993 1 0 No 13701 1 Yes 292 Sysmiss 1 i2. Loss of an asset/dwelling/land 13993 1 0 No 13750 1 Yes 243 Sysmiss 1 i2. Failure of business 13993 1 0 No 13298 1 Yes 695 Sysmiss 1 i2. Disability due to accident/illness 13993 1 0 No 13639 1 Yes 354 Sysmiss 1 i2. Maintenance of farming/business equipment/tools 13993 1 0 No 13819 1 Yes 174 Sysmiss 1 i2. Recession/bad economy 13993 1 0 No 12573 1 Yes 1420 Sysmiss 1 i2. Price increases 13993 1 0 No 9411 1 Yes 4582 Sysmiss 1 i2. Have not experienced such events 13993 1 0 No 10361 1 Yes 3632 Sysmiss 1 i2. Other, specify 13993 1 0 No 13557 1 Yes 436 Sysmiss 1 I2b. Which one of those you mentioned had the greatest impact on your household? 10169 3825 1 Member of household lost job/income 642 2 Serious illness of a household member 3746 3 Death of a relative/household member 852 4 Theft of household property 392 5 Theft of business stock/goods 79 6 Theft of agricultural crop/livestock 661 7 Loss of household goods due to fire/flood/storm 77 8 Agricultural crop/livestock destroyed by fire/ flood/storm 166 9 Loss of an asset/dwelling/land 140 10 Failure of business 347 11 Disability due to accident/illness 200 12 Maintenance of farming/business equipment/tools 71 13 Recession/bad economy 403 14 Price increases 2126 98 Other, specify 267 99 Have not experienced such events 0 Sysmiss 3825 I2c. What did you or your household do when you experience this event (Insert ev 10169 3825 1 Sold assets to get money 604 2 Sold livestock to get money 630 3 Cut down on expenses 478 4 Waited/asked for donations 185 5 Borrowed money from friend/family 755 6 Borrowed money from employer 17 7 Borrowed money from bank 100 8 Borrowed money from other sources 174 9 Borrowed money from informal savings groups/VSLAs 1705 10 Used own savings 744 11 Used insurance policy 163 12 Comparing prices to get best deal 341 13 Cancelled other policies 368 95 Did nothing 2671 98 Other (specify) 952 99 Don?t know 282 Sysmiss 3825 I2d. To what extent do you agree or disagree that [device mentioned in II1c] hel 7498 6496 1 Agree 3900 2 Neither agree nor disagree 3000 3 Disagree 305 99 Do not know 293 Sysmiss 6496 I2e. How long did it take to get the payment? 163 13831 1 The turn around time was satisfactory to you 96 2 Payout was received as stipulated in the contract 21 3 The pay out was delayed 16 4 Before the stipulated period in the contract 3 99 Do not know 27 Sysmiss 13831 Are you aware of the following insurance products? 0 0 Are you aware of: Medical insurance 13994 0 1 Yes 9092 2 No 4902 Are you aware of: Life insurance 13994 0 1 Yes 4194 2 No 9800 Are you aware of: Micro insurance products/inclusive products 13994 0 1 Yes 3697 2 No 10297 Are you aware of: Third party insurance 13994 0 1 Yes 997 2 No 12997 I4a. Do you have micro-insurance product/inclusive products? 13994 0 1 Yes 1171 2 No 12310 99 Do not know 513 I4b. What type of micro-insurance do you have? 0 0 i4b. Crops insurance 1171 12823 0 No 1058 1 Yes 113 Sysmiss 12823 i4b. Livestock insurance 1171 12823 0 No 1072 1 Yes 99 Sysmiss 12823 i4b. Agriculture Weather Index Cover 1171 12823 0 No 1132 1 Yes 39 Sysmiss 12823 i4b. Other agriculture insurance 1171 12823 0 No 1148 1 Yes 23 Sysmiss 12823 i4b. Life insurance 1171 12823 0 No 516 1 Yes 655 Sysmiss 12823 i4b. Short- and Long-Term Saving 1171 12823 0 No 1160 1 Yes 11 Sysmiss 12823 i4b. Personal accident microinsuranse 1171 12823 0 No 1154 1 Yes 17 Sysmiss 12823 i4b. Credit life 1171 12823 0 No 1147 1 Yes 24 Sysmiss 12823 i4b. Public liability insurance 1171 12823 0 No 1169 1 Yes 2 Sysmiss 12823 i4b. Other, specify 1171 12823 0 No 1033 1 Yes 138 Sysmiss 12823 I4c. Now that you aware of micro-insurance, would you be interested in micro ins 12823 1171 1 Yes 5847 2 No 6976 Sysmiss 1171 I4d. What type of micro insurance would you consider? 0 0 i4d. Crops insurance 5847 8147 0 No 2942 1 Yes 2905 Sysmiss 8147 i4d. Livestock insurance 5847 8147 0 No 2831 1 Yes 3016 Sysmiss 8147 i4d. Agriculture Weather Index Cover 5847 8147 0 No 4351 1 Yes 1496 Sysmiss 8147 i4d. Other agriculture insurance 5847 8147 0 No 4667 1 Yes 1180 Sysmiss 8147 i4d. Life insurance 5847 8147 0 No 2361 1 Yes 3486 Sysmiss 8147 i4d. Short- and Long-Term Saving 5847 8147 0 No 5426 1 Yes 421 Sysmiss 8147 i4d. Personal accident microinsuranse 5847 8147 0 No 5000 1 Yes 847 Sysmiss 8147 i4d. Credit life 5847 8147 0 No 5176 1 Yes 671 Sysmiss 8147 i4d. Public liability insurance 5847 8147 0 No 5699 1 Yes 148 Sysmiss 8147 i4d. Other, specify 5847 8147 0 No 5751 1 Yes 96 Sysmiss 8147 Please tell me which of the following do you have? 0 0 i5a_1. Do you have: Medical insurance (including RAMA, MMI, Mediplan,) 13994 0 1 Yes 1215 2 No 12779 i5a_2. Do you have: Hospital Cash (e.g., Turikumwe) 13994 0 1 Yes 108 2 No 13886 i5a_3. Do you have: Mutuelle de Sante (MUSA/CBHI) 13994 0 1 Yes 11426 2 No 2568 i5b_1. Are you covered by someone: Medical insurance (including RAMA, MMI, Medip 12779 1215 1 Yes 157 2 No 12205 99 Don't know 417 Sysmiss 1215 i5b_2. Are you covered by someone: Hospital Cash (e.g., Turikumwe) 13886 108 1 Yes 32 2 No 13506 99 Don't know 348 Sysmiss 108 i5b_3. Are you covered by someone: Mutuelle de Sante (MUSA/CBHI) 2568 11426 1 Yes 276 2 No 2207 99 Don't know 85 Sysmiss 11426 Do you have any of the following insurance products? 0 0 i6_01. Insurance product - Motor 13994 0 1 Yes 509 2 No 13485 i6_02. Insurance product - Education 13994 0 1 Yes 128 2 No 13866 i6_03. Insurance product - Household 13994 0 1 Yes 79 2 No 13915 i6_04. Insurance product - Life 13994 0 1 Yes 609 2 No 13385 i6_05. Insurance product - Credit life (insurance linked to a loan) 13994 0 1 Yes 272 2 No 13722 i6_06. Insurance product - Legal aid 13994 0 1 Yes 22 2 No 13972 i6_07. Insurance product - Business 13994 0 1 Yes 38 2 No 13956 i6_08. Insurance product - Property 13994 0 1 Yes 54 2 No 13940 i6_09. Insurance product - Accident 13994 0 1 Yes 177 2 No 13817 i6_10. Insurance product - Saving with risk 13994 0 1 Yes 471 2 No 13523 i6_11. Insurance product - Home 13994 0 1 Yes 86 2 No 13908 i6_12. Insurance product - Agriculture (crop and livestock) 13994 0 1 Yes 218 2 No 13776 i6_13. Insurance product - Rwanda Social Security Board (CSR/RSSB) -Public pensi 13994 0 1 Yes 585 2 No 13409 i6_14. Insurance product - Private pension 13994 0 1 Yes 190 2 No 13804 i6_15. Insurance product - Ejo heza 13994 0 1 Yes 2870 2 No 11124 i6_16. Insurance product - Other 13994 0 1 Yes 174 2 No 13820 I7. There are different reasons for people not having insurance. What is the mai 9692 4302 1 Has never heard about it 1674 2 Don?t know about insurance 1151 3 Does not know how it works 767 4 Does not know how to get it/where to get it 83 5 Does not trust it or the companies 736 6 Protects self in other ways ? don?t need it 70 7 Doesn?t want to think about any shock happening to him 4725 8 Cannot afford it 100 9 They don?t want to pay out when you claim 163 10 It takes long to get the claimed payment 0 98 Other specify 223 Sysmiss 4302 I8. If you would like to know more about insurance, what are your preferred ways 0 0 i8. Radio 13994 0 0 No 10067 1 Yes 3927 i8. TV 13994 0 0 No 13006 1 Yes 988 i8. Verbal and direct communication from insurance 13994 0 0 No 8723 1 Yes 5271 i8. Through a village agents or community group 13994 0 0 No 10246 1 Yes 3748 i8. From the local government 13994 0 0 No 10599 1 Yes 3395 i8. From business partners (such fertilizer shops, etc) 13994 0 0 No 13723 1 Yes 271 i8. Digital channels (social media, msg, email) 13994 0 0 No 13632 1 Yes 362 i8. Other (Specify) 13994 0 0 No 13716 1 Yes 278 I9a. Do you have a partner, family member or close friend who could provide you 13994 0 0 4302 1 Yes 4640 2 No 5052 I9b. Would you ask for financial support from your social network should the nee 4640 9354 1 Yes 4264 2 No 366 99 Don't know 10 Sysmiss 9354 Please tell me whether you agree or disagree with the statement below? 0 0 i10_1. You understand how insurance works-When thinking about insurance policies 13994 0 1 Agree 2088 2 Disagree 1374 97 N/A 10532 i10_2. The premiums for your policy are affordable-When thinking about insurance 13994 0 1 Agree 1551 2 Disagree 1637 97 N/A 10806 i10_3. The information provided to you by your insurer is clear and it is provid 13994 0 1 Agree 2100 2 Disagree 1161 97 N/A 10733 i10_4. Changes in premiums or terms of conditions are clearly communicated to yo 13994 0 1 Agree 1671 2 Disagree 1532 97 N/A 10791 i10_5. Information on how and where to lodge a complaint was clearly explained t 13994 0 1 Agree 1824 2 Disagree 1494 97 N/A 10676 i10_6. Can easily access your insurer when making a claim-When thinking about in 13994 0 1 Agree 1812 2 Disagree 1463 97 N/A 10719 i10_7. Insurer treats you fairly when reviewing your claim application-When thin 13994 0 1 Agree 1926 2 Disagree 1208 97 N/A 10860 i10_8. It is easier to find insurance services-When thinking about insurance pol 13994 0 1 Agree 1951 2 Disagree 1291 97 N/A 10752 i10_9. The turn around time of insurance services is satisfactoty-When thinking 13994 0 1 Agree 1376 2 Disagree 1589 97 N/A 11029 In the lst year, did you experience any climate change related problem such as.. 0 0 cc1_1. climate change: Heavy rain and floods 13994 0 1 Yes 7956 2 No 6038 cc1_2. climate change: Storm 13994 0 1 Yes 3006 2 No 10988 cc1_3. climate change: Drought/ water scarcity 13994 0 1 Yes 3433 2 No 10561 cc1_4. climate change: Extreme heat/heatwaves 13994 0 1 Yes 1815 2 No 12179 cc1_5. climate change: Bush burning/wildfires 13994 0 1 Yes 97 2 No 13897 cc1_6. climate change: Pest infestation 13994 0 1 Yes 3785 2 No 10209 cc1_7. climate change: Erosion 13994 0 1 Yes 2577 2 No 11417 cc1_8. climate change: Other 13994 0 1 Yes 92 2 No 13902 cc2. Do you face repeated damages and expenses from....? 0 0 cc2_1. Repeated damages/expenses from: Heavy rain and floods 7956 6038 1 Yes 6136 2 No 1820 Sysmiss 6038 cc2_2. Repeated damages/expenses from: Storm 3006 10988 1 Yes 2149 2 No 857 Sysmiss 10988 cc2_3. Repeated damages/expenses from: Drought/ water scarcity 3433 10561 1 Yes 2497 2 No 936 Sysmiss 10561 cc2_4. Repeated damages/expenses from: Extreme heat/heatwaves 1815 12179 1 Yes 1055 2 No 760 Sysmiss 12179 cc2_5. Repeated damages/expenses from: Bush burning/wildfires 97 13897 1 Yes 63 2 No 34 Sysmiss 13897 cc2_6. Repeated damages/expenses from: Pest infestation 3785 10209 1 Yes 3267 2 No 518 Sysmiss 10209 cc2_7. Repeated damages/expenses from: Erosion 2577 11417 1 Yes 1972 2 No 605 Sysmiss 11417 cc2_8. Repeated damages/expenses from: Other 92 13902 1 Yes 52 2 No 40 Sysmiss 13902 cc3- Did you put plans or measures in place to cope with problem from...? 0 0 cc3_1. Put plans or measures: Heavy rain and floods 7956 6038 1 Yes 2358 2 No 5598 Sysmiss 6038 cc3_2. Put plans or measures: Storm 3006 10988 1 Yes 604 2 No 2402 Sysmiss 10988 cc3_3. Put plans or measures: Drought/ water scarcity 3433 10561 1 Yes 502 2 No 2931 Sysmiss 10561 cc3_4. Put plans or measures: Extreme heat/heatwaves 1815 12179 1 Yes 98 2 No 1717 Sysmiss 12179 cc3_5. Put plans or measures: Bush burning/wildfires 97 13897 1 Yes 22 2 No 75 Sysmiss 13897 cc3_6. Put plans or measures: Pest infestation 3785 10209 1 Yes 1899 2 No 1886 Sysmiss 10209 cc3_7. Put plans or measures: Erosion 2577 11417 1 Yes 792 2 No 1785 Sysmiss 11417 cc3_8. Put plans or measures: Other 92 13902 1 Yes 23 2 No 69 Sysmiss 13902 cc4. Approximately,how much money did it cost you to put the plans in place to 0 0 cc4_1. How much money did it cost you: Heavy rain and floods 2358 11636 1000 38 3000 59 8000 17 10000 47 11000 22 12000 2 12400 1 12408 1 12500 1 14000 2 15000 81 17000 1 17500 46 18000 3 20000 226 20500 49 24000 3 25000 65 25500 22 26000 1 28000 2 30000 284 32000 1 35000 108 40000 113 42000 8 43500 16 45000 6 47000 1 47500 17 50000 288 52000 1 53000 1 54000 2 54500 15 56000 3 60000 61 64000 1 65000 1 67000 1 70000 40 74000 1 75000 7 80000 62 81000 1 90000 2 93000 3 95000 1 100000 257 110000 1 120000 19 125000 13 130000 2 140000 3 150000 43 162000 1 170000 1 180000 5 200000 116 220000 6 230000 1 240000 2 250000 13 270000 1 300000 63 350000 8 360000 1 400000 26 450000 3 500000 27 540000 1 800000 7 900000 3 999999 Missing value 1 Sysmiss 11636 cc4_2. How much money did it cost you: Storm 604 13390 0 500000 60651.325 74581.33 cc4_3. How much money did it cost you: Drought/ water scarcity 502 13492 2000 800000 91743.028 116645.075 cc4_4. How much money did it cost you: Extreme heat/heatwaves 98 13896 0 1 500 1 1000 2 2000 3 10000 12 15000 2 18000 4 20000 4 30000 7 32500 1 35000 1 36500 2 40000 1 45000 1 47500 1 48000 1 50000 10 60000 1 65000 1 70000 1 80000 4 85000 1 100000 7 120000 1 125000 1 150000 5 160000 1 200000 3 300000 8 317000 1 350000 2 400000 1 475000 1 500000 2 800000 1 900000 1 999999 Missing value 1 Sysmiss 13896 cc4_5. How much money did it cost you: Bush burning/wildfires 22 13972 3000 500000 99122.727 132718.886 cc4_6. How much money did it cost you: Pest infestation 1899 12095 0 400000 11763.886 20422.888 cc4_7. How much money did it cost you: Erosion 792 13202 0 500000 36933.712 60150.599 cc4_8. How much money did it cost you: Other 23 13971 0 200000 27643.478 43599.777 CC5. How did you raise the money to pay for the plans or measures you put in pla 0 0 cc5_1_1. Heavy rain and floods: Sold assets/something I own to get money 2358 11636 0 No 2144 1 Yes 214 Sysmiss 11636 cc5_1_2. Heavy rain and floods:Sold livestock to get money 2358 11636 0 No 2142 1 Yes 216 Sysmiss 11636 cc5_1_3. Heavy rain and floods:Borrowed money from friends or family 2358 11636 0 No 2184 1 Yes 174 Sysmiss 11636 cc5_1_4. Heavy rain and floods:Borrowed money from employer 2358 11636 0 No 2351 1 Yes 7 Sysmiss 11636 cc5_1_5. Heavy rain and floods:Borrowed money from bank 2358 11636 0 No 2300 1 Yes 58 Sysmiss 11636 cc5_1_6. Heavy rain and floods:Borrowed money from other sources 2358 11636 0 No 2249 1 Yes 109 Sysmiss 11636 cc5_1_7. Heavy rain and floods:Used own savings from formal institutions such as 2358 11636 0 No 2275 1 Yes 83 Sysmiss 11636 cc5_1_8. Heavy rain and floods:Used own savings from informal groups such as a s 2358 11636 0 No 1672 1 Yes 686 Sysmiss 11636 cc5_1_9. Heavy rain and floods:Claimed from an insurance policy 2358 11636 0 No 2357 1 Yes 1 Sysmiss 11636 cc5_1_10. Heavy rain and floods:Cut down on expenses 2358 11636 0 No 2196 1 Yes 162 Sysmiss 11636 cc5_1_11. Heavy rain and floods:Received donations 2358 11636 0 No 2306 1 Yes 52 Sysmiss 11636 cc5_1_12. Heavy rain and floods:Received government assistance 2358 11636 0 No 2280 1 Yes 78 Sysmiss 11636 cc5_1_13. Heavy rain and floods:Worked for additional income 2358 11636 0 No 1900 1 Yes 458 Sysmiss 11636 cc5_1_14. Heavy rain and floods:Other 2358 11636 0 No 1913 1 Yes 445 Sysmiss 11636 CC5. How did you raise the money to pay for the plans or measures you put in pla 0 0 cc5_2_1. Storm: Sold assets/something I own to get money 604 13390 0 No 554 1 Yes 50 Sysmiss 13390 cc5_2_2. Storm:Sold livestock to get money 604 13390 0 No 541 1 Yes 63 Sysmiss 13390 cc5_2_3. Storm:Borrowed money from friends or family 604 13390 0 No 541 1 Yes 63 Sysmiss 13390 cc5_2_4. Storm:Borrowed money from employer 604 13390 0 No 602 1 Yes 2 Sysmiss 13390 cc5_2_5. Storm:Borrowed money from bank 604 13390 0 No 595 1 Yes 9 Sysmiss 13390 cc5_2_6. Storm:Borrowed money from other sources 604 13390 0 No 576 1 Yes 28 Sysmiss 13390 cc5_2_7. Storm:Used own savings from formal institutions such as a bank 604 13390 0 No 590 1 Yes 14 Sysmiss 13390 cc5_2_8. Storm:Used own savings from informal groups such as a saving groups/sto 604 13390 0 No 430 1 Yes 174 Sysmiss 13390 cc5_2_9. Storm:Claimed from an insurance policy 604 13390 0 No 604 1 Yes 0 Sysmiss 13390 cc5_2_10. Storm:Cut down on expenses 604 13390 0 No 578 1 Yes 26 Sysmiss 13390 cc5_2_11. Storm:Received donations 604 13390 0 No 597 1 Yes 7 Sysmiss 13390 cc5_2_12. Storm:Received government assistance 604 13390 0 No 583 1 Yes 21 Sysmiss 13390 cc5_2_13. Storm:Worked for additional income 604 13390 0 No 509 1 Yes 95 Sysmiss 13390 cc5_2_14. Storm:Other 604 13390 0 No 475 1 Yes 129 Sysmiss 13390 CC5. How did you raise the money to pay for the plans or measures you put in pla 0 0 cc5_3_1. Drought/ water scarcity: Sold assets/something I own to get money 502 13492 0 No 465 1 Yes 37 Sysmiss 13492 cc5_3_2. Drought/ water scarcity:Sold livestock to get money 502 13492 0 No 461 1 Yes 41 Sysmiss 13492 cc5_3_3. Drought/ water scarcity:Borrowed money from friends or family 502 13492 0 No 476 1 Yes 26 Sysmiss 13492 cc5_3_4. Drought/ water scarcity:Borrowed money from employer 502 13492 0 No 500 1 Yes 2 Sysmiss 13492 cc5_3_5. Drought/ water scarcity:Borrowed money from bank 502 13492 0 No 488 1 Yes 14 Sysmiss 13492 cc5_3_6. Drought/ water scarcity:Borrowed money from other sources 502 13492 0 No 488 1 Yes 14 Sysmiss 13492 cc5_3_7. Drought/ water scarcity:Used own savings from formal institutions such 502 13492 0 No 479 1 Yes 23 Sysmiss 13492 cc5_3_8. Drought/ water scarcity:Used own savings from informal groups such as a 502 13492 0 No 349 1 Yes 153 Sysmiss 13492 cc5_3_9. Drought/ water scarcity:Claimed from an insurance policy 502 13492 0 No 499 1 Yes 3 Sysmiss 13492 cc5_3_10. Drought/ water scarcity:Cut down on expenses 502 13492 0 No 463 1 Yes 39 Sysmiss 13492 cc5_3_11. Drought/ water scarcity:Received donations 502 13492 0 No 494 1 Yes 8 Sysmiss 13492 cc5_3_12. Drought/ water scarcity:Received government assistance 502 13492 0 No 496 1 Yes 6 Sysmiss 13492 cc5_3_13. Drought/ water scarcity:Worked for additional income 502 13492 0 No 376 1 Yes 126 Sysmiss 13492 cc5_3_14. Drought/ water scarcity:Other 502 13492 0 No 417 1 Yes 85 Sysmiss 13492 CC5. How did you raise the money to pay for the plans or measures you put in pla 0 0 cc5_4_1. Extreme heat/heatwaves: Sold assets/something I own to get money 97 13897 0 No 83 1 Yes 14 Sysmiss 13897 cc5_4_2. Extreme heat/heatwaves:Sold livestock to get money 97 13897 0 No 88 1 Yes 9 Sysmiss 13897 cc5_4_3. Extreme heat/heatwaves:Borrowed money from friends or family 97 13897 0 No 89 1 Yes 8 Sysmiss 13897 cc5_4_4. Extreme heat/heatwaves:Borrowed money from employer 97 13897 0 No 95 1 Yes 2 Sysmiss 13897 cc5_4_5. Extreme heat/heatwaves:Borrowed money from bank 97 13897 0 No 96 1 Yes 1 Sysmiss 13897 cc5_4_6. Extreme heat/heatwaves:Borrowed money from other sources 97 13897 0 No 92 1 Yes 5 Sysmiss 13897 cc5_4_7. Extreme heat/heatwaves:Used own savings from formal institutions such a 97 13897 0 No 91 1 Yes 6 Sysmiss 13897 cc5_4_8. Extreme heat/heatwaves:Used own savings from informal groups such as a 97 13897 0 No 71 1 Yes 26 Sysmiss 13897 cc5_4_9. Extreme heat/heatwaves:Claimed from an insurance policy 97 13897 0 No 97 1 Yes 0 Sysmiss 13897 cc5_4_10. Extreme heat/heatwaves:Cut down on expenses 97 13897 0 No 86 1 Yes 11 Sysmiss 13897 cc5_4_11. Extreme heat/heatwaves:Received donations 97 13897 0 No 97 1 Yes 0 Sysmiss 13897 cc5_4_12. Extreme heat/heatwaves:Received government assistance 97 13897 0 No 96 1 Yes 1 Sysmiss 13897 cc5_4_13. Extreme heat/heatwaves:Worked for additional income 97 13897 0 No 79 1 Yes 18 Sysmiss 13897 cc5_4_14. Extreme heat/heatwaves:Other 97 13897 0 No 86 1 Yes 11 Sysmiss 13897 CC5. How did you raise the money to pay for the plans or measures you put in pla 0 0 cc5_5_1. Bush burning/wildfires: Sold assets/something I own to get money 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 cc5_5_2. Bush burning/wildfires:Sold livestock to get money 22 13972 0 No 21 1 Yes 1 Sysmiss 13972 cc5_5_3. Bush burning/wildfires:Borrowed money from friends or family 22 13972 0 No 18 1 Yes 4 Sysmiss 13972 cc5_5_4. Bush burning/wildfires:Borrowed money from employer 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 cc5_5_5. Bush burning/wildfires:Borrowed money from bank 22 13972 0 No 21 1 Yes 1 Sysmiss 13972 cc5_5_6. Bush burning/wildfires:Borrowed money from other sources 22 13972 0 No 19 1 Yes 3 Sysmiss 13972 cc5_5_7. Bush burning/wildfires:Used own savings from formal institutions such a 22 13972 0 No 18 1 Yes 4 Sysmiss 13972 cc5_5_8. Bush burning/wildfires:Used own savings from informal groups such as a 22 13972 0 No 18 1 Yes 4 Sysmiss 13972 cc5_5_9. Bush burning/wildfires:Claimed from an insurance policy 22 13972 0 No 22 1 Yes 0 Sysmiss 13972 cc5_5_10. Bush burning/wildfires:Cut down on expenses 22 13972 0 No 21 1 Yes 1 Sysmiss 13972 cc5_5_11. Bush burning/wildfires:Received donations 22 13972 0 No 20 1 Yes 2 Sysmiss 13972 cc5_5_12. Bush burning/wildfires:Received government assistance 22 13972 0 No 19 1 Yes 3 Sysmiss 13972 cc5_5_13. Bush burning/wildfires:Worked for additional income 22 13972 0 No 21 1 Yes 1 Sysmiss 13972 cc5_5_14. Bush burning/wildfires:Other 22 13972 0 No 19 1 Yes 3 Sysmiss 13972 CC5. How did you raise the money to pay for the plans or measures you put in pla 0 0 cc5_6_1. Pest infestation: Sold assets/something I own to get money 1899 12095 0 No 1804 1 Yes 95 Sysmiss 12095 cc5_6_2. Pest infestation:Sold livestock to get money 1899 12095 0 No 1799 1 Yes 100 Sysmiss 12095 cc5_6_3. Pest infestation:Borrowed money from friends or family 1899 12095 0 No 1811 1 Yes 88 Sysmiss 12095 cc5_6_4. Pest infestation:Borrowed money from employer 1899 12095 0 No 1891 1 Yes 8 Sysmiss 12095 cc5_6_5. Pest infestation:Borrowed money from bank 1899 12095 0 No 1878 1 Yes 21 Sysmiss 12095 cc5_6_6. Pest infestation:Borrowed money from other sources 1899 12095 0 No 1827 1 Yes 72 Sysmiss 12095 cc5_6_7. Pest infestation:Used own savings from formal institutions such as a ba 1899 12095 0 No 1844 1 Yes 55 Sysmiss 12095 cc5_6_8. Pest infestation:Used own savings from informal groups such as a saving 1899 12095 0 No 1390 1 Yes 509 Sysmiss 12095 cc5_6_9. Pest infestation:Claimed from an insurance policy 1899 12095 0 No 1897 1 Yes 2 Sysmiss 12095 cc5_6_10. Pest infestation:Cut down on expenses 1899 12095 0 No 1780 1 Yes 119 Sysmiss 12095 cc5_6_11. Pest infestation:Received donations 1899 12095 0 No 1865 1 Yes 34 Sysmiss 12095 cc5_6_12. Pest infestation:Received government assistance 1899 12095 0 No 1874 1 Yes 25 Sysmiss 12095 cc5_6_13. Pest infestation:Worked for additional income 1899 12095 0 No 1271 1 Yes 628 Sysmiss 12095 cc5_6_14. Pest infestation:Other 1899 12095 0 No 1604 1 Yes 295 Sysmiss 12095 CC5. How did you raise the money to pay for the plans or measures you put in pla 0 0 cc5_7_1. Erosion: Sold assets/something I own to get money 792 13202 0 No 753 1 Yes 39 Sysmiss 13202 cc5_7_2. Erosion:Sold livestock to get money 792 13202 0 No 736 1 Yes 56 Sysmiss 13202 cc5_7_3. Erosion:Borrowed money from friends or family 792 13202 0 No 750 1 Yes 42 Sysmiss 13202 cc5_7_4. Erosion:Borrowed money from employer 792 13202 0 No 789 1 Yes 3 Sysmiss 13202 cc5_7_5. Erosion:Borrowed money from bank 792 13202 0 No 784 1 Yes 8 Sysmiss 13202 cc5_7_6. Erosion:Borrowed money from other sources 792 13202 0 No 761 1 Yes 31 Sysmiss 13202 cc5_7_7. Erosion:Used own savings from formal institutions such as a bank 792 13202 0 No 765 1 Yes 27 Sysmiss 13202 cc5_7_8. Erosion:Used own savings from informal groups such as a saving groups/s 792 13202 0 No 586 1 Yes 206 Sysmiss 13202 cc5_7_9. Erosion:Claimed from an insurance policy 792 13202 0 No 792 1 Yes 0 Sysmiss 13202 cc5_7_10. Erosion:Cut down on expenses 792 13202 0 No 748 1 Yes 44 Sysmiss 13202 cc5_7_11. Erosion:Received donations 792 13202 0 No 777 1 Yes 15 Sysmiss 13202 cc5_7_12. Erosion:Received government assistance 792 13202 0 No 761 1 Yes 31 Sysmiss 13202 cc5_7_13. Erosion:Worked for additional income 792 13202 0 No 616 1 Yes 176 Sysmiss 13202 cc5_7_14. Erosion:Other 792 13202 0 No 600 1 Yes 192 Sysmiss 13202 CC5. How did you raise the money to pay for the plans or measures you put in pla 0 0 cc5_8_1. Other: Sold assets/something I own to get money 23 13971 0 No 18 1 Yes 5 Sysmiss 13971 cc5_8_2. Other:Sold livestock to get money 23 13971 0 No 22 1 Yes 1 Sysmiss 13971 cc5_8_3. Other:Borrowed money from friends or family 23 13971 0 No 23 1 Yes 0 Sysmiss 13971 cc5_8_4. Other:Borrowed money from employer 23 13971 0 No 23 1 Yes 0 Sysmiss 13971 cc5_8_5. Other:Borrowed money from bank 23 13971 0 No 23 1 Yes 0 Sysmiss 13971 cc5_8_6. Other:Borrowed money from other sources 23 13971 0 No 21 1 Yes 2 Sysmiss 13971 cc5_8_7. Other:Used own savings from formal institutions such as a bank 23 13971 0 No 22 1 Yes 1 Sysmiss 13971 cc5_8_8. Other:Used own savings from informal groups such as a saving groups/sto 23 13971 0 No 18 1 Yes 5 Sysmiss 13971 cc5_8_9. Other:Claimed from an insurance policy 23 13971 0 No 23 1 Yes 0 Sysmiss 13971 cc5_8_10. Other:Cut down on expenses 23 13971 0 No 21 1 Yes 2 Sysmiss 13971 cc5_8_11. Other:Received donations 23 13971 0 No 22 1 Yes 1 Sysmiss 13971 cc5_8_12. Other:Received government assistance 23 13971 0 No 21 1 Yes 2 Sysmiss 13971 cc5_8_13. Other:Worked for additional income 23 13971 0 No 16 1 Yes 7 Sysmiss 13971 cc5_8_14. Other:Other 23 13971 0 No 21 1 Yes 2 Sysmiss 13971 CC6. How long did it take you or your household to recover? 9750 4244 1 Less than a month 846 2 1 Month 1053 3 2-3 months 2468 4 4-6 months 1050 5 7-12 months 358 6 More than a year 186 7 Still recovering 3483 99 Don?t know 306 Sysmiss 4244 CC7. Should you experience any climate change related problem tomorrow, how will 0 0 Sell my assets/something I own to get money 13994 0 0 No 13127 1 Yes 866 99 Missing 1 Sell livestock to get money 13994 0 0 No 13053 1 Yes 940 99 Missing 1 Borrow money from friends or family 13994 0 0 No 12980 1 Yes 1013 99 Missing 1 Borrow money from employer 13994 0 0 No 13913 1 Yes 80 99 Missing 1 Borrow money from bank 13994 0 0 No 13638 1 Yes 355 99 Missing 1 Borrow money from other sources 13994 0 0 No 13269 1 Yes 724 99 Missing 1 Use own savings from formal institutions such as a bank 13994 0 0 No 13702 1 Yes 291 99 Missing 1 Use own savings from informal groups 13994 0 0 No 11391 1 Yes 2602 99 Missing 1 Claim from an insurance policy 13994 0 0 No 13911 1 Yes 82 99 Missing 1 Cut down on expenses 13994 0 0 No 12617 1 Yes 1376 99 Missing 1 Ask for donations 13994 0 0 No 13165 1 Yes 828 99 Missing 1 Claim from Workman's compensation 13994 0 0 No 13950 1 Yes 43 99 Missing 1 Seek government assistance 13994 0 0 No 9198 1 Yes 4795 99 Missing 1 Work for additional income 13994 0 0 No 12275 1 Yes 1718 99 Missing 1 I will cross the bridge when it happens 13994 0 0 No 13895 1 Yes 98 99 Missing 1 Don't Know 13994 0 0 No 13993 1 Yes 0 99 Missing 1 Other (Specify) 13994 0 0 No 12989 1 Yes 1004 99 Missing 1 J1a. In the past 6 months, have you sent money to someone within the country? 13994 0 1 Yes 5583 2 No 8411 J1b. In the past 6 months, have you sent money to someone outside the country 13994 0 1 Yes 168 2 No 13826 J1c. Thinking back to the last time you sent money outside Rwanda, which country 0 0 j1c_1. Belgium 168 13826 0 No 166 1 Yes 2 Sysmiss 13826 j1c_2. Burundi 168 13826 0 No 161 1 Yes 7 Sysmiss 13826 j1c_3. Canada 168 13826 0 No 159 1 Yes 9 Sysmiss 13826 j1c_4. China 168 13826 0 No 163 1 Yes 5 Sysmiss 13826 j1c_5. DRC 168 13826 0 No 156 1 Yes 12 Sysmiss 13826 j1c_6. France 168 13826 0 No 167 1 Yes 1 Sysmiss 13826 j1c_7. Kenya 168 13826 0 No 158 1 Yes 10 Sysmiss 13826 j1c_8. Nigeria 168 13826 0 No 168 1 Yes 0 Sysmiss 13826 j1c_9. South Africa 168 13826 0 No 167 1 Yes 1 Sysmiss 13826 j1c_10. Tanzania 168 13826 0 No 162 1 Yes 6 Sysmiss 13826 j1c_11. UAE 168 13826 0 No 162 1 Yes 6 Sysmiss 13826 j1c_12. Uganda 168 13826 0 No 116 1 Yes 52 Sysmiss 13826 j1c_13. United Kingdom 168 13826 0 No 163 1 Yes 5 Sysmiss 13826 j1c_14. USA (United States of America) 168 13826 0 No 163 1 Yes 5 Sysmiss 13826 j1c_15. Other specify 168 13826 0 No 160 1 Yes 8 Sysmiss 13826 J2a1. Who did you send money to in the past 6 months? 0 0 j2a1_1. Spouse 168 13826 0 No 154 1 Yes 14 Sysmiss 13826 j2a1_2. Child 168 13826 0 No 122 1 Yes 46 Sysmiss 13826 j2a1_3. Parent 168 13826 0 No 158 1 Yes 10 Sysmiss 13826 j2a1_4. Other family member 168 13826 0 No 101 1 Yes 67 Sysmiss 13826 j2a1_5. Friend 168 13826 0 No 130 1 Yes 38 Sysmiss 13826 j2a1_6. Supplier/Business 168 13826 0 No 155 1 Yes 13 Sysmiss 13826 j2a1_7. Someone you borrowed from 168 13826 0 No 167 1 Yes 1 Sysmiss 13826 j2a1_8. School, college or university 168 13826 0 No 164 1 Yes 4 Sysmiss 13826 j2a1_9. Other specify 168 13826 0 No 164 1 Yes 4 Sysmiss 13826 J2a. Where did you send most of the money to? 0 0 j2a_1. Rural 5583 8411 0 No 2284 1 Yes 3299 Sysmiss 8411 j2a_2. Urban 5583 8411 0 No 2653 1 Yes 2930 Sysmiss 8411 J2b. How often do you send money to people who who do not live with you? 5583 8411 1 Weekly 537 2 Fortnightly 274 3 Monthly 795 4 Seasonally 440 5 Once a year 194 6 Irregularly/occasionally 3343 Sysmiss 8411 J2c. How do you mostly send the money? 5609 8385 1 Bank transfer/Pay into bank account; 63 2 Post Office 2 3 Western Union/ Money gram 12 4 Cell phone top-up (Me2U) 229 5 Mobile money 5149 6 Bus or Taxi 5 7 Sending someone travelling there 87 8 Taking the money there in person 50 9 Money transfer operators (e.g Dahabshil, UAE exchange etc.) 7 98 Other, specify 5 Sysmiss 8385 J2d. How much did you send the last time you sent? 5609 8385 500 400000 23969.904 34793.61 J3a. In the past 6 months, have you received money from someone in a different p 13994 0 1 Yes 6501 2 No 7493 J3b. In the past 6 months, have you received money from someone outside the coun 13994 0 1 Yes 478 2 No 13516 J3c. Thinking back to the last time you received money, which country did you re 0 0 j3c_1. Belgium 478 13516 0 No 458 1 Yes 20 Sysmiss 13516 j3c_2. Burundi 478 13516 0 No 472 1 Yes 6 Sysmiss 13516 j3c_3. Canada 478 13516 0 No 431 1 Yes 47 Sysmiss 13516 j3c_4. China 478 13516 0 No 475 1 Yes 3 Sysmiss 13516 j3c_5. DRC 478 13516 0 No 466 1 Yes 12 Sysmiss 13516 j3c_6. France 478 13516 0 No 459 1 Yes 19 Sysmiss 13516 j3c_7. Kenya 478 13516 0 No 455 1 Yes 23 Sysmiss 13516 j3c_8. Nigeria 478 13516 0 No 477 1 Yes 1 Sysmiss 13516 j3c_9. South Africa 478 13516 0 No 467 1 Yes 11 Sysmiss 13516 j3c_10. Tanzania 478 13516 0 No 467 1 Yes 11 Sysmiss 13516 j3c_11. UAE 478 13516 0 No 456 1 Yes 22 Sysmiss 13516 j3c_12. Other specify 478 13516 0 No 275 1 Yes 203 Sysmiss 13516 J3c. Other, specify 228 0 America 3 Austalia 1 Australia 1 Cameroon 1 Central Africa 2 Central Africa,USA,Canada 1 Cote d'Ivoire 1 Don't know 2 England 3 Europe 1 Geramy 1 Germany 5 Holland 2 Israel 1 Italy 2 Libya 1 Malawi 2 Mali 1 Mozambique 12 New Zealand 1 None 2 Norway 3 OMAN 1 Poland 1 South Korea 1 South Sudan 5 Spain 1 Sudan 10 Sweden 3 Switzerland 2 Turkey 1 USA 44 USA, 1 Uganda 95 United Kingdom 1 Zambia 13 J4a. From whom did you receive money in the past 6 months? 0 0 j4a_1. Spouse 478 13516 0 No 442 1 Yes 36 Sysmiss 13516 j4a_2. Child 478 13516 0 No 392 1 Yes 86 Sysmiss 13516 j4a_3. Parent 478 13516 0 No 463 1 Yes 15 Sysmiss 13516 j4a_4. Other family member 478 13516 0 No 260 1 Yes 218 Sysmiss 13516 j4a_5. Friend 478 13516 0 No 362 1 Yes 116 Sysmiss 13516 j4a_6. Customer 478 13516 0 No 466 1 Yes 12 Sysmiss 13516 j4a_7. Someone you lent money to 478 13516 0 No 477 1 Yes 1 Sysmiss 13516 j4a_8. Other specify 478 13516 0 No 453 1 Yes 25 Sysmiss 13516 J4b. Where did you receive most of the money from? 0 0 j4b_1. Rural 6501 7493 0 No 3815 1 Yes 2686 Sysmiss 7493 j4b_2. Urban 6501 7493 0 No 2195 1 Yes 4306 Sysmiss 7493 J4c. How often do you receive money? 6501 7493 1 Weekly 587 2 Fortnightly 283 3 Monthly 923 4 Seasonally 400 5 Once a year 316 6 Irregularly/occasionally 3992 Sysmiss 7493 J4d. How do you mostly receive the money? 6588 7406 1 Bank transfer/Pay into bank account 122 2 Post Office 0 3 Western Union/ Money gram 67 4 Cell phone top-up (Me2U) 277 5 Mobile money 5973 6 Bus or Taxi 1 7 Sending someone travelling there 46 8 Taking the money there in person 77 9 Money transfer operators (e.g Dahabshil, UAE exchange etc.) 15 98 Other, specify 10 Sysmiss 7406 J4e. What did you use most of the money that was last sent you for? 6588 7406 1 Investment 281 2 Business 666 3 Bought food/clothes 3615 4 Paid school fees 580 5 Paid medical fees/medicine 322 6 Paid funeral expenses 32 7 Building a house 181 8 Money for renting 82 98 Other, specify 829 Sysmiss 7406 J4e. Other, specify 787 0 A donation to the receiver through Mobile Money 1 Airtime 1 As my payment 2 As payment 3 Ayakoresha mu kwikenura 1 Beans to grow 1 Bought MBs 1 Bought a car 1 Bought a cloth 1 Bought a forest for my kid 1 Bought a home appliance 1 Bought a land and livestock 1 Bought a livestock 66 Bought a medical insurance 1 Bought a phone 3 Bought a plantation / forest for charcoal 1 Bought a plot of land 3 Bought a plot of land for cultivating 1 Bought a ream of paper 1 Bought a water tank 1 Bought alcohol 1 Bought beans 1 Bought beer 3 Bought body vaseline 1 Bought chairs 1 Bought children's shoes 1 Bought children's uniform 1 Bought children's uniform and needs 1 Bought clothes 1 Bought crops 1 Bought drinks 1 Bought eatables of a hospitalized person 1 Bought electric wires 1 Bought fertilizers 2 Bought glasses 1 Bought irish potato seeds 1 Bought iron sheets 1 Bought it with 1 Bought manure 1 Bought my needs 1 Bought my phone's battery 1 Bought pesticides 8 Bought school equipments 3 Bought school's equipments 1 Bought seeds 1 Bought seeds for selling 1 Bought seeds to grow 2 Bought shoes 2 Bought soap and vaseline 1 Bought some basic needs as a girl 1 Bought trees to plant 1 Boutht things 1 Buy clothes 1 Buying a phone 4 Buying a plot of land 9 Buying a solar pannel 1 Buying airtime 1 Buying books 1 Buying car fuel 1 Buying clothes 3 Buying communication 1 Buying construction tools 1 Buying electricity 1 Buying farming tools 1 Buying fertilizer 2 Buying firewood 1 Buying for client's sand 1 Buying household appliances 1 Buying livestock's eatables 1 Buying milk 1 Buying of basic needs 1 Buying porriage flour 1 Buying school's equipments 2 Buying seeds 1 Buying seeds and plot of land 1 Buying sewing machine 1 Buying shoes 2 Buying soap and cloth 1 Buying tomatoes 1 Buying tools 1 Children's support donation 1 Crops that're sold after they've grown 1 Donated in a wedding 5 Donating it to somebody else 1 Farmer's activities 1 For Medical insurance 3 For New Year's Eve 1 For a wedding 2 For beer 2 For birthday preparations 1 For business 1 For buying 9 For buying a phone 1 For buying eatables 1 For buying fertilizers 2 For buying for somebody else 1 For buying seeds 6 For buying things 6 For child's needs 1 For church 1 For clothes 1 For communication 2 For contributing in the wedding ceremony 1 For cultivating 1 For cultivational purpose 53 For daily needs 3 For daily usage 1 For daily use 2 For different household needs 1 For different problems to solve 1 For donating it to my neighbour 1 For donating to a marriage ceremony 1 For donating to a prisoner 1 For eatables 2 For farmer's payments 1 For farming 2 For farming purposes 32 For fertilizers 1 For fertilizers and seeds 1 For fun activities 1 For giving it to another person, wasn't mine 1 For hair preparations 1 For handling problems 1 For holiday's celebrations 1 For holidays to kids in help of compassions 1 For home cleanage 1 For home food 1 For home reparations 1 For hospitalization 2 For house reparations 5 For household activities 1 For household appliances 3 For household needs 3 For journey 1 For journey and accompany 1 For land renting 1 For livestock food 1 For livestock medicine 1 For livestock shelter construction 1 For marketing 1 For medical insurance 1 For medical insurance of my child 1 For medical insurance payment 1 For my baby's clothes 1 For my child's wedding ceremony 2 For my clothes' sewing 1 For my football team 1 For my neighbour 2 For my personal doings 1 For my wedding ceremony contribution 8 For natural hazards preventions 1 For paying a saving's group loan 1 For paying at the school's canteen 1 For paying debt 2 For paying debts 1 For paying for the school's diploma 1 For paying for what has been bought 1 For paying rent 1 For paying the ID passport photo 1 For paying the cooperative / association 1 For paying the electricity bill 1 For payment of farmers 1 For personal purpose 1 For pesticides 2 For phone repairing 1 For plantation of trees 1 For reconstructing 1 For rent 2 For rent and school fees 1 For rent payment 1 For repairing my bicycle 2 For repairing my motocycle 1 For saving 66 For saving in Musa 1 For saving in SACCO 1 For saving in a Saving group 94 For school's equipments 2 For searching my personal documents 1 For selling 1 For sending to my sister 1 For shaving 1 For shopping 1 For small-scale farming 1 For ticket 11 For transport toCHUK 1 For treatment 3 For urgent things 1 For usage in somebody else's doings 1 For visitor's preparations 1 For water bills 1 For wedding 1 For wedding ceremonial contribution 1 For wedding ceremony 1 For wedding preparation 2 For wedding preparations 1 For weeding 1 For weeding crops 1 For work purposes 1 2 GFor installationof water 1 Gave it to somebody 2 Gave it to somewhere they were requesting it 1 Gave it to whom they had sent it to 1 Gifts 1 Haven't received any 2 Haven't used yet 1 Helped someone 1 Helping somebody else 1 Helps me in cultivation purposes 1 I bought a phone 1 I got paid to where I worked 1 I kept it to buy a plot of land 1 I lent someone 1 I lost it 1 I paid rent for a house 1 I paid to someone else's bicycle they had stolen from me 1 I repaired my house 1 I repaired my radio 1 I save it 1 I used it in my business transactions 1 I will use it in farming 3 It passed on me such that I give it to another person 1 It was my payment 1 It was so little 1 It was so little for me to know what I even used it for 1 It wasn't mine 1 It's still there 1 It's what I got paid 1 It's what he/she had lent to someone 1 Kugura a plot of land 1 Ligvestock preservations 1 Loans 1 Mobile money agency 1 My salary 1 Nothing 2 Paid MUSA (CBHI) 2 Paid a farmer 1 Paid a herdsman 1 Paid a loan 30 Paid a loan I'd taken 1 Paid a loan from Saving group 1 Paid a loan from a bank 1 Paid a loan from a friend 1 Paid a loan from someone 1 Paid a masonary 1 Paid a visit to a prisoner 1 Paid a visit to my child in prison 1 Paid farmers 2 Paid for schoo fees and school's equipment 1 Paid for some personal things 1 Paid multiple loans 1 Paid my kid's school fees 1 Paid workers 1 Paying I hotel accomadation 1 Paying a bank's debt 1 Paying a child's code on Irembo 1 Paying a loan 1 Paying a loan from Saving group 1 Paying bank 1 Paying driving license 1 Paying electricity bill 1 Paying farmers 2 Paying for a service 2 Paying for medical insurance 1 Paying for my work's services 1 Paying for what was bought 1 Paying my sibling in rural region 1 Paying of driving license 1 Paying of reparations of damages from livestock 1 Paying of vehicle needs 1 Paying other things 1 Paying school fee 1 Paying somebody 2 Paying the hospital 1 Paying workers 4 Payment of someone I lent money to 1 Personal reasons 6 Pig's kraal constructing 1 Received little amount 1 Rent payment 1 Retails to seller's in town 1 Salaries of people I used 1 Save it to buy a livestock 1 Sent as payment 1 Sent it to to kid over school 1 Sent to the person's receiver 1 Shares we divided 1 Someone I lent a person 1 Ticket 2 Ticket for my child's sickness 1 To enlarge my plot of land 1 To give it to my siblings 1 To pay a herdsman 1 To put stop to my TIN Number 1 Toilet construction 2 Use it in a lot of things 1 Used in agriculture 1 Used in home needs 1 Used it as a ticket going to Kigali 1 Used it for a party 1 Used it for education 1 Used it in building 1 Used it in cultivation of wheat 1 Used it in finding the driving license 1 Used it in multiple things due to it's the salary around 1 Used it in the business 1 VUP donations 1 Visited my siblings 1 Wage 1 Wasn't mine 1 Wedding contribution 4 Weeding 1 bayaguzemo itungo 1 buying seeds and fertilizer 1 farming 2 farming like buying seeds 1 for rent payment 1 paying rent and home necessities 1 payment to someone 1 personal issues 1 used in agriculture 1 13994 0 1 Yes 2914 2 No 11080 K2. Does anyone in the household have a bank account? 11080 2914 1 Yes 909 2 No 9924 99 Don't know 247 Sysmiss 2914 K3. Do you use someone else?s bank account 11080 2914 1 Yes 163 2 No 10917 Sysmiss 2914 K4. At which bank? 0 0 k4_1. Access bank Rwanda 3077 10917 0 No 3021 1 Yes 56 Sysmiss 10917 k4_2. Bank of Kigali 3077 10917 0 No 2251 1 Yes 826 Sysmiss 10917 k4_3. Banque de l?Habitat du Rwanda 3077 10917 0 No 3028 1 Yes 49 Sysmiss 10917 k4_4. BPR Bank Rwanda Plc 3077 10917 0 No 2346 1 Yes 731 Sysmiss 10917 k4_5. Commercial Bank of Rwanda 3077 10917 0 No 3058 1 Yes 19 Sysmiss 10917 k4_6. Compagnie GÃ©nÃ©rale de Banque 3077 10917 0 No 3011 1 Yes 66 Sysmiss 10917 k4_7. Ecobank 3077 10917 0 No 3038 1 Yes 39 Sysmiss 10917 k4_8. Equity Bank 3077 10917 0 No 2161 1 Yes 916 Sysmiss 10917 k4_9. Fina Bank 3077 10917 0 No 3060 1 Yes 17 Sysmiss 10917 k4_10. I&M Bank Rwanda 3077 10917 0 No 3008 1 Yes 69 Sysmiss 10917 k4_11. Kenya Commercial Bank 3077 10917 0 No 3067 1 Yes 10 Sysmiss 10917 k4_12. National Bank of Rwanda 3077 10917 0 No 3077 1 Yes 0 Sysmiss 10917 k4_13. Rwanda Development Bank 3077 10917 0 No 3077 1 Yes 0 Sysmiss 10917 k4_14. Urwego Opportunity Bank (UOB) 3077 10917 0 No 2916 1 Yes 161 Sysmiss 10917 k4_15. Other, specify 3077 10917 0 No 2586 1 Yes 491 Sysmiss 10917 K5. How many bank accounts held with different banks do you have in your own nam 2914 11080 1 One 2568 2 Two 276 3 More than 2 70 Sysmiss 11080 K6. How often do you use this account? 2914 11080 1 Daily 263 2 Weekly 199 3 Monthly 1183 4 Once every 3 months 287 5 Less often 923 99 Do not know 59 Sysmiss 11080 K7. Do you withdraw all your money as soon it is deposited by someone or your em 1776 12218 1 Yes 357 2 No 1054 3 Sometimes 326 99 Don't know 39 Sysmiss 12218 K8a. What are the main reasons why you do not use your transaction account, more 0 0 k8a_1. Using my account / card is too expensive 1301 12693 0 No 1279 1 Yes 22 Sysmiss 12693 k8a_2. Using my account / card is too complicated 1301 12693 0 No 1292 1 Yes 9 Sysmiss 12693 k8a_3. My account / card doesn?t have the features that I want 1301 12693 0 No 1290 1 Yes 11 Sysmiss 12693 k8a_4. The places where I typically shop don?t accept card payments 1301 12693 0 No 1286 1 Yes 15 Sysmiss 12693 k8a_5. I prefer to transact in cash 1301 12693 0 No 1222 1 Yes 79 Sysmiss 12693 k8a_6. I don?t trust my bank 1301 12693 0 No 1293 1 Yes 8 Sysmiss 12693 k8a_7. I do not have enough money to use the account frequently 1301 12693 0 No 702 1 Yes 599 Sysmiss 12693 k8a_8. To avoid debit/stop orders 1301 12693 0 No 1298 1 Yes 3 Sysmiss 12693 k8a_9. Avoid illegal debit orders or fraud 1301 12693 0 No 1296 1 Yes 5 Sysmiss 12693 k8a_10. There are no disability friendly services/channels 1301 12693 0 No 1300 1 Yes 1 Sysmiss 12693 k8a_11. Do not have skills to use the account 1301 12693 0 No 1287 1 Yes 14 Sysmiss 12693 k8a_12. Distance from where I stay and the banking facilities 1301 12693 0 No 1233 1 Yes 68 Sysmiss 12693 k8a_13. Other (specify) 1301 12693 0 No 1214 1 Yes 87 Sysmiss 12693 K8a. Other, specify 86 0 Delay in salary payment 1 Depends on how jobs come 1 Difficulty in using the bank's process 1 Don't get paid via bank 1 Don't have an account 1 Donation from Government of terraccing program before 1 I changed where I get my salary from 1 I don't exactly withdraw 1 I don't like taking debts 1 I don't mind it mostly 1 I get money after a long time mostly after we've harvested 1 I got sick and no longer possess it 1 I have an issue with it 1 I only ask loans from there 1 I received children's donations but now don't 1 I use Microfinance mostly 1 I use Mobile money 1 I use Mobile money mostly 2 I use SACCO mostly 2 I use Umwarimu SACCO 1 I use a Saving group mostly 1 I use another one 1 I use it 29 I use it a times 1 I use it in 6 months after the harvest 1 I use it in Bank of Kigali when I get money 1 I use it mostly when I've got a job 1 I use it mostly when I've got money 1 I use it when I've got money 2 I use mostly Umwarimu SACCO 1 I use saving group mostly 1 I use the account 1 I use two accounts in a year 1 I used to get my pension funds there before 1 It has stopped what's been made me open it 1 It's been stopped 1 It's my husband's account and it's available less often 1 It's the school's account 1 Less effort 1 My husband uses it lots of times 1 My husband uses it only 1 Needed mostly the loan. 1 None 4 Shares that I haven't gotten yet 1 Such that it becomes plenty 1 Their loans delay 1 There's been an error of names supply 1 They no longer pay us via banks 1 To prevent wastage of money 1 Use it mostly paying loans 1 Uses it 1 Uses it sometimes 1 K8b. Why do you withdraw all your money as soon as it is deposited into the bank 0 0 k8b_1. Using my account / card is too expensive 357 13637 0 No 341 1 Yes 16 Sysmiss 13637 k8b_2. Using my account / card is too complicated 357 13637 0 No 352 1 Yes 5 Sysmiss 13637 k8b_3. My account / card doesn?t have the features that I want 357 13637 0 No 353 1 Yes 4 Sysmiss 13637 k8b_4. The places where I typically shop don?t accept card payments 357 13637 0 No 344 1 Yes 13 Sysmiss 13637 k8b_5. I prefer to transact in cash 357 13637 0 No 295 1 Yes 62 Sysmiss 13637 k8b_6. I don?t trust my bank 357 13637 0 No 356 1 Yes 1 Sysmiss 13637 k8b_7. I do not have enough money to use the account frequently 357 13637 0 No 269 1 Yes 88 Sysmiss 13637 k8b_8. To avoid debit/stop orders 357 13637 0 No 353 1 Yes 4 Sysmiss 13637 k8b_9. Avoid illegal debit orders or fraud 357 13637 0 No 356 1 Yes 1 Sysmiss 13637 k8b_10. There are no disability friendly services/channels 357 13637 0 No 357 1 Yes 0 Sysmiss 13637 k8b_11. Do not have skills to use the account 357 13637 0 No 355 1 Yes 2 Sysmiss 13637 k8b_12. Distance from where I stay and the banking facilities 357 13637 0 No 337 1 Yes 20 Sysmiss 13637 k8b_13. Other (specify) 357 13637 0 No 314 1 Yes 43 Sysmiss 13637 K8b. Other, specify 43 0 Daily needs 20 Daily usage 1 Don't withdraw all 1 For daily need 3 For daily need and it's less 2 For marketing ( business ) 1 For ticket mostly 1 For urgent need 1 For urgent needs 1 Household needs 4 I don't exactly withdraw 2 I don't immediately withdraw 1 Invest in business 1 Move and transfer somewhere else 1 Takes it to SACCO to save 1 Use it in my business 1 Use it in my business transactions 1 K9. Thinking about your satisfaction with your main account, what features matte 0 0 k9_1. The amount of total monthly fees and charges 3077 10917 0 No 2633 1 Yes 444 Sysmiss 10917 k9_2. Interest rate on savings 3077 10917 0 No 2941 1 Yes 136 Sysmiss 10917 k9_3. The fees for specific transactions (for example, ATM withdrawals or deposi 3077 10917 0 No 2784 1 Yes 293 Sysmiss 10917 k9_4. Convenient access to ATMs 3077 10917 0 No 2886 1 Yes 191 Sysmiss 10917 k9_5. Convenient access to bank branches 3077 10917 0 No 2718 1 Yes 359 Sysmiss 10917 k9_6. Convenient access to internet banking 3077 10917 0 No 2950 1 Yes 127 Sysmiss 10917 k9_7. Convenient access to mobile banking 3077 10917 0 No 2440 1 Yes 637 Sysmiss 10917 k9_8. User-friendly mobile apps or internet banking platforms 3077 10917 0 No 2996 1 Yes 81 Sysmiss 10917 k9_9. The quality of customer service in bank branches 3077 10917 0 No 2646 1 Yes 431 Sysmiss 10917 k9_10. Loyalty program 3077 10917 0 No 2614 1 Yes 463 Sysmiss 10917 k9_11. Convenience of having an account at the bank I typically use 3077 10917 0 No 2928 1 Yes 149 Sysmiss 10917 k9_12. Other (specify) 3077 10917 0 No 2924 1 Yes 153 Sysmiss 10917 K9. Other, specify 153 0 Approve its loan 1 Bad service provision 2 Because I had no other account 1 Better than keeping it at home 1 Clueless 7 Clueless about it 1 Didn't prefer it 4 Difficulty in attaining loans 2 Don't approve of it 3 Don't do it 1 Don't exactly withdraw once received 1 Don't like the service provision 8 Don't prefer it nowadays 2 Don't still use it 20 Don't use it 3 Don't use it at the moment 1 Easy and quick to attain money 1 Easy to attain a loan 2 Easy way of attainign loans 1 Help in getting pension funds of my husband 1 I approve of it 1 I immediately use it 1 I just opened it 2 I prefer BK account 1 I prefer it 1 I prefered it 1 I use Mobile money 1 I use mostly Mobile money 1 I use other account 1 I use somebody else's account 1 I used it long ago 1 I withdraw everywhere I am 1 I'm satisfied with the service 1 I'm supported by the government 1 Insufficient money means 1 Insufficient money thus no working with it at the moment 1 It stole us 1 It's easy to use 1 It's everywhere 2 It's far from here 1 It's near us 2 It's nearer me 1 Money maintainance 1 No account 2 No charges while withdrawing 3 No choice 1 No delays in money supply 1 No good in it 1 No issue 2 No longer uses it 5 No pressure while paying debt 1 No problem 3 None 12 Not much 1 Profitable 1 Quick services 4 Quickness of loan offerance 1 Quickness of loan supply 1 Security of money 2 Security of the money 4 Supply of capital to market 1 Their quick services 2 They charge a lot 3 They charge much 2 Use of cheque while withdrawing 1 Used it before 2 Used it before while studying 1 Uses sometimes 2 Uses sometimes during harvest 1 Was as an instruction 4 K10. Does your bank account help you manage your money better? 3077 10917 1 Yes 2735 2 No 288 99 Don't know 54 Sysmiss 10917 k11. please indicate to what extent you agree with the following statements? 0 0 k11_01. When you opened your account, you were given all the key details about t 2914 11080 1 True 2546 2 False 350 99 Don't know 18 Sysmiss 11080 k11_02. When you opened your account, bank staff showed you different options an 2914 11080 1 True 2432 2 False 469 99 Don't know 13 Sysmiss 11080 k11_03. When you opened your account, you went to the branch and already knew wh 2914 11080 1 True 2424 2 False 467 99 Don't know 23 Sysmiss 11080 k11_04. If you had to open another account today, you would choose the same acco 2914 11080 1 True 2256 2 False 619 99 Don't know 39 Sysmiss 11080 k11_05. You would recommend your account to your friends and family 2914 11080 1 True 2483 2 False 397 99 Don't know 34 Sysmiss 11080 k11_06. The account you have is good value for money 2914 11080 1 True 2501 2 False 329 99 Don't know 84 Sysmiss 11080 k11_07. The fees and charges in my account are transparent, or at least easy to 2914 11080 1 True 2261 2 False 566 99 Don't know 87 Sysmiss 11080 k11_08. If you need financial advice, you can count on bank staff to give you ac 2914 11080 1 True 2594 2 False 283 99 Don't know 37 Sysmiss 11080 k11_09. Bank fees or charges are affordable 2914 11080 1 True 1794 2 False 1011 99 Don't know 109 Sysmiss 11080 k11_10. Too much downtime on the bank platform 2914 11080 1 True 1955 2 False 909 99 Don't know 50 Sysmiss 11080 k11_11. You are satisfied with your bank's customer support 2914 11080 1 True 2506 2 False 375 99 Don't know 33 Sysmiss 11080 k11_12.Whenever you visit a bank branch, you are always served on time 2914 11080 1 True 2309 2 False 578 99 Don't know 27 Sysmiss 11080 K12. Have you seriously considered opening an account with a new bank in the pas 3077 10917 1 You have seriously considered opening an account with a new bank 250 2 You have seriously considered changing my main account type with my current bank 97 3 No, you have not considered opening a new bank account in the past year 2730 Sysmiss 10917 K13.Have you opened an account with a new bank in the past year or changed your 3077 10917 1 You have opened an account with a new bank 60 2 You have changed your main account type with current bank 31 3 No, you have not changed a bank account in the past year 2986 Sysmiss 10917 K14. Why did you open an account with a new bank? 0 0 k14_1. I saw an advertisement for an account that I preferred 91 13903 0 No 76 1 Yes 15 Sysmiss 13903 k14_2. Recommendation from friend or family 91 13903 0 No 78 1 Yes 13 Sysmiss 13903 k14_3. I was not satisfied with my previous account 91 13903 0 No 84 1 Yes 7 Sysmiss 13903 k14_4. The account at the new bank is better for me than my previous account 91 13903 0 No 85 1 Yes 6 Sysmiss 13903 k14_5. The fees are lower than at my previous bank 91 13903 0 No 84 1 Yes 7 Sysmiss 13903 k14_6. My salary or other payment is deposited using the new bank 91 13903 0 No 80 1 Yes 11 Sysmiss 13903 k14_7. Other (specify) 91 13903 0 No 84 1 Yes 7 Sysmiss 13903 k15.For each product that i read out,please tell me whether you have? 0 0 k15_01. You have-Bank ATM card/Debit card 3077 10917 1 Never had it 1726 2 Used to have it in the past 12 months 169 3 Have /use it now 1182 Sysmiss 10917 k15_02. You have-Cheque 3077 10917 1 Never had it 1802 2 Used to have it in the past 12 months 207 3 Have /use it now 1068 Sysmiss 10917 k15_03. You have-Credit card 3077 10917 1 Never had it 2439 2 Used to have it in the past 12 months 95 3 Have /use it now 543 Sysmiss 10917 k15_04. You have-Current account 3077 10917 1 Never had it 494 2 Used to have it in the past 12 months 147 3 Have /use it now 2436 Sysmiss 10917 k15_05. You have-Fixed deposit account 3077 10917 1 Never had it 2307 2 Used to have it in the past 12 months 112 3 Have /use it now 658 Sysmiss 10917 k15_06. You have-Savings account 3077 10917 1 Never had it 1907 2 Used to have it in the past 12 months 111 3 Have /use it now 1059 Sysmiss 10917 k15_07. You have-Mortgage 3077 10917 1 Never had it 2621 2 Used to have it in the past 12 months 101 3 Have /use it now 355 Sysmiss 10917 k15_08. You have-Overdraft 3077 10917 1 Never had it 2688 2 Used to have it in the past 12 months 121 3 Have /use it now 268 Sysmiss 10917 k15_09. You have-Loans 3077 10917 1 Never had it 2395 2 Used to have it in the past 12 months 222 3 Have /use it now 460 Sysmiss 10917 k15_10. You have-Mobile money (e-wallet/push and pull) 3077 10917 1 Never had it 1621 2 Used to have it in the past 12 months 116 3 Have /use it now 1340 Sysmiss 10917 k15_11. You have-Mobile payment (USSD codes, e.g. *182*â€¦) 3077 10917 1 Never had it 1695 2 Used to have it in the past 12 months 91 3 Have /use it now 1291 Sysmiss 10917 k15_12. You have-Internet banking 3077 10917 1 Never had it 2362 2 Used to have it in the past 12 months 69 3 Have /use it now 646 Sysmiss 10917 k15_13. You have-Mobile banking 3077 10917 1 Never had it 1489 2 Used to have it in the past 12 months 122 3 Have /use it now 1466 Sysmiss 10917 k15_14. You have-Banking App 3077 10917 1 Never had it 2355 2 Used to have it in the past 12 months 72 3 Have /use it now 650 Sysmiss 10917 k16a.How often do you usually do the following banking activities? 0 0 k16a_01. Cash a cheque: How often 3077 10917 1 Daily or more often 108 2 At least once a week 100 3 At least once a month 501 4 A few times a year 394 5 Once a year 117 7 Never 1766 99 Don?t know 91 Sysmiss 10917 k16a_02. Deposit cash into a bank account: How often 3077 10917 1 Daily or more often 143 2 At least once a week 217 3 At least once a month 1089 4 A few times a year 714 5 Once a year 174 7 Never 640 99 Don?t know 100 Sysmiss 10917 k16a_03. Deposit a cheque into a bank account: How often 3077 10917 1 Daily or more often 65 2 At least once a week 103 3 At least once a month 480 4 A few times a year 399 5 Once a year 115 7 Never 1787 99 Don?t know 128 Sysmiss 10917 k16a_04. Cash withdrawal from a bank account: How often 3077 10917 1 Daily or more often 160 2 At least once a week 297 3 At least once a month 1146 4 A few times a year 697 5 Once a year 200 7 Never 480 99 Don?t know 97 Sysmiss 10917 k16a_05. Pay people/bills using a cheque: How often 3077 10917 1 Daily or more often 70 2 At least once a week 91 3 At least once a month 394 4 A few times a year 353 5 Once a year 91 7 Never 1960 99 Don?t know 118 Sysmiss 10917 k16a_06. Money transfers between your own bank accounts: How often 3077 10917 1 Daily or more often 53 2 At least once a week 69 3 At least once a month 344 4 A few times a year 342 5 Once a year 96 7 Never 2032 99 Don?t know 141 Sysmiss 10917 k16a_07. Money transfer to another person's bank account: How often 3077 10917 1 Daily or more often 52 2 At least once a week 69 3 At least once a month 326 4 A few times a year 450 5 Once a year 110 7 Never 1928 99 Don?t know 142 Sysmiss 10917 k16a_08. Received money from someone into a bank account: How often 3077 10917 1 Daily or more often 72 2 At least once a week 65 3 At least once a month 557 4 A few times a year 692 5 Once a year 164 7 Never 1379 99 Don?t know 148 Sysmiss 10917 k16a_09. Get a bank statement: How often 3077 10917 1 Daily or more often 63 2 At least once a week 28 3 At least once a month 208 4 A few times a year 334 5 Once a year 231 7 Never 2035 99 Don?t know 178 Sysmiss 10917 k16a_10. Buy airtime: How often 3077 10917 1 Daily or more often 127 2 At least once a week 145 3 At least once a month 281 4 A few times a year 256 5 Once a year 60 7 Never 2053 99 Don?t know 155 Sysmiss 10917 k16a_11. Buy groceries using my bank/debit card/POS: How often 3077 10917 1 Daily or more often 71 2 At least once a week 77 3 At least once a month 222 4 A few times a year 184 5 Once a year 41 7 Never 2308 99 Don?t know 174 Sysmiss 10917 k16a_12. None: How often 3077 10917 1 Daily or more often 48 2 At least once a week 31 3 At least once a month 207 4 A few times a year 170 5 Once a year 47 7 Never 2213 99 Don?t know 361 Sysmiss 10917 k16a_13. Other: How often 3077 10917 1 Daily or more often 75 2 At least once a week 27 3 At least once a month 212 4 A few times a year 191 5 Once a year 58 7 Never 1837 99 Don?t know 677 Sysmiss 10917 Which method do you use to...? 0 0 k16b_01. Cash a cheque: Method use 3077 10917 1 Bank 1037 2 ATM 74 3 Internet banking 27 4 Mobile banking 196 5 Debit card 55 6 Credit card 62 7 USSD code 34 98 Other (specify) 1578 99 14 Sysmiss 10917 k16b_02. Deposit cash into a bank account: Method use 3077 10917 1 Bank 1542 2 ATM 100 3 Internet banking 50 4 Mobile banking 490 5 Debit card 48 6 Credit card 88 7 USSD code 44 98 Other (specify) 701 99 14 Sysmiss 10917 k16b_03. Deposit a cheque into a bank account: Method use 3077 10917 1 Bank 1047 2 ATM 48 3 Internet banking 17 4 Mobile banking 199 5 Debit card 51 6 Credit card 31 7 USSD code 29 98 Other (specify) 1638 99 17 Sysmiss 10917 k16b_04. Cash withdrawal from a bank account: Method use 3077 10917 1 Bank 1208 2 ATM 178 3 Internet banking 36 4 Mobile banking 739 5 Debit card 253 6 Credit card 46 7 USSD code 60 98 Other (specify) 540 99 17 Sysmiss 10917 k16b_05. Pay people/bills using a cheque: Method use 3077 10917 1 Bank 801 2 ATM 48 3 Internet banking 18 4 Mobile banking 245 5 Debit card 56 6 Credit card 31 7 USSD code 50 98 Other (specify) 1811 99 17 Sysmiss 10917 k16b_06. Money transfers between your own bank accounts: Method use 3077 10917 1 Bank 791 2 ATM 50 3 Internet banking 52 4 Mobile banking 244 5 Debit card 41 6 Credit card 32 7 USSD code 40 98 Other (specify) 1807 99 20 Sysmiss 10917 k16b_07. Money transfer to another person's bank account: Method use 3077 10917 1 Bank 843 2 ATM 56 3 Internet banking 47 4 Mobile banking 315 5 Debit card 32 6 Credit card 37 7 USSD code 50 98 Other (specify) 1677 99 20 Sysmiss 10917 k16b_08. Received money from someone into a bank account: Method use 3077 10917 1 Bank 1174 2 ATM 47 3 Internet banking 66 4 Mobile banking 271 5 Debit card 82 6 Credit card 37 7 USSD code 61 98 Other (specify) 1319 99 20 Sysmiss 10917 k16b_09. Get a bank statement: Method use 3077 10917 1 Bank 878 2 ATM 38 3 Internet banking 45 4 Mobile banking 123 5 Debit card 30 6 Credit card 25 7 USSD code 37 98 Other (specify) 1881 99 20 Sysmiss 10917 k16b_10. Buy airtime: Method use 3077 10917 1 Bank 455 2 ATM 34 3 Internet banking 32 4 Mobile banking 496 5 Debit card 39 6 Credit card 24 7 USSD code 163 98 Other (specify) 1813 99 21 Sysmiss 10917 k16b_11. Buy groceries using my bank/debit card/POS: Method use 3077 10917 1 Bank 541 2 ATM 71 3 Internet banking 34 4 Mobile banking 203 5 Debit card 85 6 Credit card 36 7 USSD code 55 98 Other (specify) 2031 99 21 Sysmiss 10917 k16b_13. Other: Method use 3077 10917 1 Bank 627 2 ATM 45 3 Internet banking 24 4 Mobile banking 136 5 Debit card 35 6 Credit card 35 7 USSD code 49 98 Other (specify) 2105 99 21 Sysmiss 10917 K17. What is the main reason why you do not have a bank account? 11080 2914 1 Does not need it - Insufficient or no money coming it to justify it 9204 2 Cannot maintain the minimum balance 325 3 Bank service charges are too high 153 4 Banks are too far away 336 5 Banking hours are not convenient 7 6 Does not have the documentation required 73 7 Does not know how to apply 90 8 Does not understand benefits from having a bank account 120 9 Does not trust banks 22 10 Banks do not provide the products or services I need 22 11 Can get services needed elsewhere in the community 98 12 Need permission of someone else to open it 27 98 Other specify 603 Sysmiss 2914 K2.1 Just to check, do you have an MFI account? 13994 0 1 Yes 981 2 No 13013 K2.2 Have you used your MFI account this year? 981 13013 1 Yes 844 2 No 137 Sysmiss 13013 K2.3 Still thinking of your MFI account, approximately how often do you use this 844 13150 1 Daily 36 2 Weekly 96 3 Monthly 446 4 Once every 3 months 82 5 Less often 184 99 Do not know 0 Sysmiss 13150 k2_4_1. Loans at MFI: please tell me whether you have 844 13150 1 Never had it 385 2 Used to have it in the past 12 months 132 3 Have /use it now 327 Sysmiss 13150 k2_4_2. Savings at MFI: please tell me whether you have 844 13150 1 Never had it 254 2 Used to have it in the past 12 months 87 3 Have /use it now 503 Sysmiss 13150 k2_4_3. Fund transfere using MFI account: please tell me whether you have 844 13150 1 Never had it 616 2 Used to have it in the past 12 months 43 3 Have /use it now 185 Sysmiss 13150 k2_4_4. Insurance at MFI: please tell me whether you have 844 13150 1 Never had it 711 2 Used to have it in the past 12 months 21 3 Have /use it now 112 Sysmiss 13150 k2_4_5. Pension at MFI: please tell me whether you have 844 13150 1 Never had it 709 2 Used to have it in the past 12 months 17 3 Have /use it now 118 Sysmiss 13150 k2_4_6. Other: please tell me whether you have 844 13150 1 Never had it 763 2 Used to have it in the past 12 months 8 3 Have /use it now 73 Sysmiss 13150 K2.4 Other, specify 678 0 Another account 1 Approves of the services provided 1 Asking for loan 1 Buying fertilizer 1 Charity 1 Don't have insurance 1 Don't know 1 Don't need it 1 For Ejo Heza payment 1 For salary payment 4 Get paid salary 6 Governmental support 1 I have a loan 1 I have an Umurenge SACCO account 1 I haven't used it ever 1 I pay loans they give me 1 I use cheque 1 Is in saving group 1 Lack of money 2 Loan 1 Medical Insurance 2 NA 1 Never did 8 Never had 3 No 1 No longer still has 1 No need 1 No problem 1 Nothing 430 Nothing I have 1 Nothing I know 1 Nothing else 125 Nothing there 1 Paying loan mostly 1 Paying school fees 1 Religional support 1 SACCO 1 Saving 4 They give me loan 1 Umurenge SACCO 1 Uses a times 1 Uses it 47 Uses it during harvest time 1 Uses it in saving 1 Uses it sometimes 1 Uses microfinance 1 Usual account 3 1 Withdraw only 4 not Applicable 1 not applicable 1 salary wages for tea 1 K2.5 What is the main reason for you not using your MFI account? 137 13857 1 Didn?t need to use it 34 2 Doesn?t meet my need 14 3 Too expensive 16 4 Too complicated 21 5 Service is not good 5 98 Other, specify 47 Sysmiss 13857 K2.5 Other, specify 47 0 Attained a loan from there 1 Doesn't stay there around 1 I use Microfinance 1 I use Umwarimu SACCO 1 I'm far away 1 Insufficient money 16 Jobless 3 No reason 1 Not accessible at the moment 1 Nothing 17 Still has a debt 1 The job ended 1 Used it for my child's support donations 1 Uses it for the child's support 1 K2.6 Does your MFI account help you manage your money better? 981 13013 1 Yes 841 2 No 120 99 Don't know 20 Sysmiss 13013 K2.7 What is the main reason why do you not have an MFI account? 13013 981 1 Does not need it 3269 2 Insufficient or no money coming it to justify it 8612 3 Cannot maintain the minimum balance 24 4 MFI service charges are too high 38 5 MFI are too far away 218 6 MFI hours are not convenient 6 7 Does not have the documentation required 81 8 Does not know how to apply 141 9 Does not understand benefits from having a MFI account 242 10 Does not trust MFI s 42 11 MFI do not provide the products or services I need 36 12 Can get services needed elsewhere in the community 85 13 Need permission of someone else to open it 28 98 Other specify 191 Sysmiss 981 K3.1 Are you a member of an Umurenge SACCO/have an Umurenge SACCO account? 13994 0 1 Yes 4187 2 No 9807 K3.2 Have you used your Umurenge SACCO account this year? 4187 9807 1 Yes 3171 2 No 1016 Sysmiss 9807 K3.3 Still thinking of your Umurenge SACCO account, approximately how often do y 3171 10823 1 Daily 21 2 Weekly 167 3 Monthly 1324 4 Once every 3 months 634 5 Less often 1012 99 Do not know 13 Sysmiss 10823 k3_4_1. Loans through your SACCO account: please tell me whether you have 3171 10823 1 Never had it 2083 2 Used to have it in the past 12 months 355 3 Have /use it now 733 Sysmiss 10823 k3_4_2. Savings through your SACCO account: please tell me whether you have 3171 10823 1 Never had it 1034 2 Used to have it in the past 12 months 395 3 Have /use it now 1742 Sysmiss 10823 k3_4_3. Fund transfere using your SACCO account: please tell me whether you have 3171 10823 1 Never had it 2740 2 Used to have it in the past 12 months 106 3 Have /use it now 325 Sysmiss 10823 k3_4_4. Insurance: please tell me whether you have 3171 10823 1 Never had it 2769 2 Used to have it in the past 12 months 68 3 Have /use it now 334 Sysmiss 10823 k3_4_5. Pension: please tell me whether you have 3171 10823 1 Never had it 2974 2 Used to have it in the past 12 months 35 3 Have /use it now 162 Sysmiss 10823 k3_4_6. Other: please tell me whether you have 3171 10823 1 Never had it 2805 2 Used to have it in the past 12 months 58 3 Have /use it now 308 Sysmiss 10823 K3.5 Does your Umurenge SACCO account help you manage your money better? 3171 10823 1 Yes 2888 2 No 223 99 Don't know 60 Sysmiss 10823 K3.6 What is the main reason for you not using your Umurenge SACCO account? 1016 12978 1 Didn?t need to use it 866 2 Doesn?t meet my need 6 3 Too expensive 22 4 Too complicated 22 5 Service is not good 3 98 Other, specify 97 Sysmiss 12978 K3.6 Other, specify 97 0 Don't use it at all 1 I use it 4 I use other accounts 1 I've opened it very recent 1 Insufficient funds 1 Jobless 1 Jobless at the moment 4 Limited financial means 65 Lots of debts 1 No reason 1 None 1 Opened it for salary payment 1 The job ended 1 The job has stopped 6 They're upgrading and updating its technology 1 Uses it less often 1 Uses it sometimes 3 We have debts 1 none 2 K3.7 Thinking about the time when you first became a member/opened your Umurenge 4187 9807 1 Yes 757 2 No 3430 Sysmiss 9807 K3.8 Did you close any of these when you opened your Umurenge SACCO account/beca 757 13237 1 Yes 403 2 No 354 Sysmiss 13237 K3.9 Still thinking about the time when you first became a member/opened your Um 4187 9807 1 Yes 2087 2 No 2100 Sysmiss 9807 K3.10 Did you give up your membership with any of these when you became a member 2087 11907 1 Yes 400 2 No 1687 Sysmiss 11907 K3.11 Does your SACCO account help you manage your money better? 4187 9807 1 Yes 3389 2 No 640 99 Don't know 158 Sysmiss 9807 K3.12 What is the main reason why do you not have a bank account? 9807 4187 1 Does not need it - Insufficient or no money coming it to justify it 8170 2 Cannot maintain the minimum balance 264 3 UMURENGE SACCO service charges are too high 49 4 UMURENGE SACCO are too far away 105 5 UMURENGE SACCO hours are not convenient 14 6 Does not have the documentation required 94 7 Does not know how to apply 90 8 Does not understand benefits of having a UMURENGE SACCO account 205 9 Does not trust UMURENGE SACCOs 37 10 UMURENGE SACCO do not provide the products or services I need 87 11 Can get services needed elsewhere in the community 125 12 Need permission of someone else to open it 27 98 Other specify 540 Sysmiss 4187 For each of the following statements,tell me whether itbis true or not? 0 0 f1_1. You would rather deal with people face to face than with machines such as 13994 0 1 True 8399 2 Not true 4797 99 Don't know 798 f1_2. You are prepared to learn how to use new technology 13994 0 1 True 9023 2 Not true 4426 99 Don't know 545 f1_3. You prefer to pay for goods and services in cash rather than using electro 13994 0 1 True 7506 2 Not true 6116 99 Don't know 372 F2. How many mobile phones does this household own? 13994 0 0 2095 1 4846 2 4595 3 1583 4 606 5 211 6 53 7 5 F3. Do you own a mobile phone? 13994 0 1 Yes 9545 2 No 4449 F4a. Do you have a SIM card registered in your name? 13994 0 1 Yes 10883 2 No 3111 F4b. Do you use a mobile phone that belongs to someone else or is shared? 13994 0 1 Yes 2993 2 No 11001 F4c. Where you stay, do you normally have a reliable phone GSM network? 13994 0 1 Yes 11100 2 No 2894 F4d. What type of mobile phone/s do you use? 0 0 f4d_1. A smartphone that can access the internet, send and receive emails and is 13994 0 0 No 9124 1 Yes 2816 2 2054 f4d_2. A feature phone that can access the internet, send and receive emails, st 13994 0 0 No 11580 1 Yes 360 2 2054 f4d_3. A basic phone which is only capable of voice calling and SMS 13994 0 0 No 2051 1 Yes 9889 2 2054 F4e. How many smartphones you have? 2816 11178 1 2095 2 553 3 116 4 50 5 2 Sysmiss 11178 F5. Which of the following statements best describes your experience with mobile 13994 0 1 You have not heard about the Mobile Money 959 2 You are not registered and have never used mobile money services 1877 3 You are registered but you have never used mobile money services 452 4 You are registered and have used it before but not any more 883 5 You use mobile money services, but you are not registered 389 6 You are a registered mobile money user 9434 F6. How many mobile money accounts do you currently have? 9434 4560 1 8005 2 1405 3 23 6 1 Sysmiss 4560 F7. Why do you use mobile money services compared to other digital financial ser 0 0 f7_1. This is the only accessible one in my community (Agent nearby) 9823 4171 0 No 9616 1 Yes 207 Sysmiss 4171 f7_2. It is easy to register (less requirements) 9823 4171 0 No 9791 1 Yes 32 Sysmiss 4171 f7_3. It is cheap or most affordable 9823 4171 0 No 9769 1 Yes 54 Sysmiss 4171 f7_4. This is the most convenient (takes less time) 9823 4171 0 No 9705 1 Yes 118 Sysmiss 4171 f7_5. Practical to pay bills 9823 4171 0 No 9809 1 Yes 14 Sysmiss 4171 f7_6. I trust it 9823 4171 0 No 9764 1 Yes 59 Sysmiss 4171 f7_7. It helps me to keep money safe or to save 9823 4171 0 No 9791 1 Yes 32 Sysmiss 4171 f7_8. Do not know (Do not read out) 9823 4171 0 No 9813 1 Yes 10 Sysmiss 4171 f7_9. Other (specify) 9823 4171 0 No 9793 1 Yes 30 Sysmiss 4171 F8. What problems or challenges have you faced when using mobile money (MTN and 0 0 f8_1. Service / Agent network was down 9823 4171 0 No 9081 1 Yes 742 Sysmiss 4171 f8_2. Inconsistent availability of agent 9823 4171 0 No 8864 1 Yes 959 Sysmiss 4171 f8_3. Difficulty operating the phone/using menu 9823 4171 0 No 9632 1 Yes 191 Sysmiss 4171 f8_4. Unclear transaction charges/fees 9823 4171 0 No 9416 1 Yes 407 Sysmiss 4171 f8_5. Agent float/cash availability 9823 4171 0 No 8947 1 Yes 876 Sysmiss 4171 f8_6. Contacting customer care 9823 4171 0 No 9651 1 Yes 172 Sysmiss 4171 f8_7. Sending to a wrong number 9823 4171 0 No 9309 1 Yes 514 Sysmiss 4171 f8_8. Family/friends stealing money 9823 4171 0 No 9623 1 Yes 200 Sysmiss 4171 f8_9. Fraud 9823 4171 0 No 9084 1 Yes 739 Sysmiss 4171 f8_10. Money laundering 9823 4171 0 No 8032 1 Yes 1791 Sysmiss 4171 f8_11. Other (SPECIFY) 9823 4171 0 No 4427 1 Yes 5396 Sysmiss 4171 F8. Other, specify 5373 0 Blocked Momo Account 11 Blocked SIM card 3 Decline of payments 1 Don't use 15 Forgot PIN 21 High transfer fees 7 Money loss 1 No SIM card 2 No telephone 54 None 5250 Not registered 2 Pull from Bank 1 Rarely use 2 Shared SIM card 1 Transfer not received 1 Use of English 1 F9. Are you a mobile money agent? 9823 4171 1 Yes 379 2 No 9444 Sysmiss 4171 F10a. Now can you please tell me your mobile money service provider? 0 0 f10a_1. Airtel 9823 4171 0 No 8905 1 Yes 918 Sysmiss 4171 f10a_2. MTN 9823 4171 0 No 5625 1 Yes 4198 Sysmiss 4171 f10a_3. Other 9823 4171 0 No 9531 1 Yes 292 Sysmiss 4171 F10a. Other, specify 292 0 Don't use 11 I don't have an idea 1 I don't have any 1 4 Mobile Money Agent 20 N/A 3 No SIM card 1 No problem 1 No telephone 3 Nobody 138 None 98 1 Not interested 5 Nowhere 4 Rarely use telephone 1 f10b. can you tell me how important this mobile account assist you to manage you 9823 4171 1 Important 9319 2 Not Important 504 Sysmiss 4171 F11. How often do you use mobile money? 9823 4171 1 Daily 1760 2 At least once a week 2034 3 Not every week but several times a month 2027 4 Less than once a month 1581 5 Within 3 months 757 6 More than 3 months 1028 98 Other, specify 636 Sysmiss 4171 F12. Does your Mobile Money account help you manage your money better? 9823 4171 1 Yes 8869 2 No 715 99 Don't know 239 Sysmiss 4171 F13. Do you feel that Mobile Money fees and charges are affordable 9823 4171 1 Yes 5011 2 No 4471 99 Don't know 341 Sysmiss 4171 F14. What is the main reason why do you not use mobile money? 4171 9823 1 I do not know what it is 312 2 I do not know how to get it 56 3 I do not have the required documents 141 4 There is no point-of-service/agent close to where I live 27 5 I do not need it; I do not make any transactions 435 6 Registration is too complicated 6 7 Registration fee is too high 36 8 Using it is difficult 106 9 Fees for using this service are too high 86 10 No one among my friends or family use this service 8 11 I do not understand this service; I do not know what I can use it for 35 12 I do not have a phone 2489 13 I do not trust that my money is safe on a mobile money account 49 14 My spouse, family, in-laws do not approve of me having a mobile money account 3 15 It is against my religion 0 16 I don?t use it because all agents are men 0 17 Mobile money does not provide anything better/any advantage over the financial services I currently use 15 98 Other, specify 367 Sysmiss 9823 L1. Do you belong to any informal financial groups? 13994 0 1 Yes 7536 2 No 6458 L2. Does it offer financial services? 7536 6458 1 Yes 6434 2 No 1102 Sysmiss 6458 L3. How often do you contribute money to your group? 7536 6458 1 Daily 123 2 Weekly 5242 3 Bi-weekly 237 4 Monthly 1815 5 Seasonally 69 6 Yearly 19 7 Less often 16 8 Do not contribute money 15 Sysmiss 6458 L4. How do you mainly repay or make contributions towards your group? 7536 6458 1 Cash 7358 2 Electronic transfer bank or Mobile money etc. 102 3 both cash and electronics 50 98 Other specify 26 Sysmiss 6458 l5. what is the main reason why you belong to such a group/club? 0 0 l5_01. Provide: Lend money out to members when they need the money 7536 6458 1 Yes 7215 2 No 315 99 Don?t know 6 Sysmiss 6458 l5_02. Provide: Lend out money to non-members when they want to borrow 7536 6458 1 Yes 696 2 No 6827 99 Don?t know 13 Sysmiss 6458 l5_03. Provide: Give collected money to one member every month 7536 6458 1 Yes 1921 2 No 5599 99 Don?t know 16 Sysmiss 6458 l5_04. Provide: Keep the collected money for members and members can withdraw th 7536 6458 1 Yes 3138 2 No 4378 99 Don?t know 20 Sysmiss 6458 l5_05. Provide: Keep the collected money for members and give to members after a 7536 6458 1 Yes 6192 2 No 1332 99 Don?t know 12 Sysmiss 6458 l5_06. Provide: Buy assets as a group 7536 6458 1 Yes 470 2 No 7036 99 Don?t know 30 Sysmiss 6458 l5_07. Provide: Buy assets for individual members 7536 6458 1 Yes 466 2 No 7045 99 Don?t know 25 Sysmiss 6458 l5_08. Provide: Raise or save money for social events (weddings, leisure,) 7536 6458 1 Yes 1068 2 No 6441 99 Don?t know 27 Sysmiss 6458 l5_09. Provide: Raise or save money for other emergencies for group members 7536 6458 1 Yes 2811 2 No 4699 99 Don?t know 26 Sysmiss 6458 l5_10. Provide: Act as guarantor when members want to borrow money somewhere els 7536 6458 1 Yes 762 2 No 6727 99 Don?t know 47 Sysmiss 6458 l5_11. Provide: Assist with funeral cost 7536 6458 1 Yes 2039 2 No 5453 99 Don?t know 44 Sysmiss 6458 l5_12. Provide: Put the collected funds into a financial institution such as a b 7536 6458 1 Yes 3731 2 No 3690 99 Don?t know 115 Sysmiss 6458 l5_13. Provide: Put the collected funds into a financial institution such as a b 7536 6458 1 Yes 3457 2 No 4048 99 Don?t know 31 Sysmiss 6458 I6. Do you agree\disagree with the following statements? 7535 6459 1 Inherited the position from parents 17 2 It is compulsory for people invillage or groups 91 3 To socialise or meet friends 143 4 They give financial advice 224 5 Can turn to them when in financial need 1132 6 Can get money easily when needed 933 7 I trust and know them 166 8 To borrow money 1300 9 To save money 3326 98 Other (specify) 203 Sysmiss 6459 l7_1. In a group they have more discipline in saving with a group than any other 7536 6458 1 Agree 6943 2 Disagree 553 99 Don?t know 40 Sysmiss 6458 l7_2. I have more discipline in saving with a group than any other way because I 7536 6458 1 Agree 7002 2 Disagree 489 99 Don?t know 45 Sysmiss 6458 l7_3. In a group they have more discipline paying back money borrowed from a gro 7536 6458 1 Agree 6482 2 Disagree 949 99 Don?t know 105 Sysmiss 6458 L8. Does the group you belong to, help you manage your money better? 7536 6458 1 Yes 7274 2 No 238 99 Don?t know 24 Sysmiss 6458 L9. Why do you not belong to savings groups? 6459 0 A 1086 AB 38 ABC 1 ABCD 1 ABCDG 2 ABD 6 ABDG 1 ABE 2 ABEG 1 ABG 4 AC 42 ACD 4 ACDE 2 ACDEG 1 ACE 2 ACEF 3 ACF 2 AD 29 ADE 1 ADF 5 ADG 9 AE 17 AF 62 AG 26 AZ 13 B 214 BC 2 BCD 2 BCDEG 1 BCDG 2 BCEG 1 BD 36 BDEG 3 BDF 2 BDFG 1 BDG 47 BDGZ 1 BDZ 1 BEG 1 BF 1 BG 45 BZ 1 C 266 CD 31 CDF 1 CDFG 1 CDG 3 CE 8 CF 10 CG 3 CZ 3 D 1821 DE 12 DEF 4 DEFG 2 DEG 10 DF 11 DFG 1 DG 192 DGZ 4 DZ 16 E 96 EF 4 EG 5 EGZ 1 EZ 2 F 213 FG 9 FZ 4 G 1204 GZ 17 Z 784 l9_1. Do not trust them 6458 7536 0 No 5098 1 Yes 1360 Sysmiss 7536 l9_2. They are too expensive 6458 7536 0 No 6041 1 Yes 417 Sysmiss 7536 l9_3. Do not get regular income 6458 7536 0 No 6064 1 Yes 394 Sysmiss 7536 l9_4. Dont have money to save 6458 7536 0 No 4192 1 Yes 2266 Sysmiss 7536 l9_5. Dont want to borrow 6458 7536 0 No 6279 1 Yes 179 Sysmiss 7536 l9_6. Have lose money with them before 6459 7535 0 No 6123 1 Yes 336 Sysmiss 7535 l9_7. Do not have joing fee 6458 7536 0 No 4860 1 Yes 1598 Sysmiss 7536 l9_8. Other (SPECIFY) 6458 7536 0 No 5612 1 Yes 846 Sysmiss 7536 M1. Please tell me which of the following statements best describes your househo 13994 0 1 Your household is only involved in farming and no-one in the household has any other work 6766 2 Your household is involved in farming AND other work 4409 3 Your household is NOT involved in farming at all. 2819 M2. Please tell me which of the following farming your household is involved in? 0 0 m2_1. Cattle 11175 2819 0 No 7176 1 Yes 3999 Sysmiss 2819 m2_2. Goats, sheep, pigs 11175 2819 0 No 5962 1 Yes 5213 Sysmiss 2819 m2_3. Other livestock such as chickens, rabbits 11175 2819 0 No 9061 1 Yes 2114 Sysmiss 2819 m2_4. Cash crops tea, coffee, pyrethrum 11175 2819 0 No 10476 1 Yes 699 Sysmiss 2819 m2_5. Fruit such as bananas, pineapple, avocado, pepper, papaya, passion fruit 11175 2819 0 No 9276 1 Yes 1899 Sysmiss 2819 m2_6. Vegetables tomatoes, carrots, onions, cabbages 11175 2819 0 No 8503 1 Yes 2672 Sysmiss 2819 m2_7 Staples such as grains 11175 2819 0 No 4822 1 Yes 6353 Sysmiss 2819 m2_8. Roots such as sweet potatoes, cassava, Irish potatoes 11175 2819 0 No 4312 1 Yes 6863 Sysmiss 2819 m2_9. Beans, peas, ground nuts 11175 2819 0 No 2407 1 Yes 8768 Sysmiss 2819 m2_10. Banana 11175 2819 0 No 8238 1 Yes 2937 Sysmiss 2819 m2_11. Macademia, Fresh beans 11175 2819 0 No 10688 1 Yes 487 Sysmiss 2819 m2_12. Other (Specify) 11175 2819 0 No 11022 1 Yes 153 Sysmiss 2819 M5a. For your farming activities, you need things like farming equipment, seed o 0 0 m5a_1. Don't have to buy because I manage with what I have already (keeping seed 11175 2819 0 No 7518 1 Yes 3657 Sysmiss 2819 m5a_2. Use money from other sources of income 11175 2819 0 No 9771 1 Yes 1404 Sysmiss 2819 m5a_3. Use savings from formal institutions (bank, SACCO, MFI) 11175 2819 0 No 10959 1 Yes 216 Sysmiss 2819 m5a_4. VASLAs 11175 2819 0 No 9503 1 Yes 1672 Sysmiss 2819 m5a_5. Government Subsidy Scheme 11175 2819 0 No 10520 1 Yes 655 Sysmiss 2819 m5a_6. Digital loans (from digital platforms/fintechs, Mobile network Operators) 11175 2819 0 No 11169 1 Yes 6 Sysmiss 2819 m5a_7. Sell crops/livestock/other produce to get money 11175 2819 0 No 9658 1 Yes 1517 Sysmiss 2819 m5a_8. Get money in advance from buyer to whom we sell crop/livestock 11175 2819 0 No 11040 1 Yes 135 Sysmiss 2819 m5a_9. Get from a supplier or distributor and pay later 11175 2819 0 No 10998 1 Yes 177 Sysmiss 2819 m5a_10. Loan from formal lending institutions (bank, SACCO, MFI, NTDFS) 11175 2819 0 No 11103 1 Yes 72 Sysmiss 2819 m5a_11. Loan/credits from buyer of your harvest/supplier of agricultural inputs 11175 2819 0 No 11041 1 Yes 134 Sysmiss 2819 m5a_12. Loan from a farmers? association 11175 2819 0 No 11019 1 Yes 156 Sysmiss 2819 m5a_13. Borrow from a community/savings group where we save and lend to each oth 11175 2819 0 No 10713 1 Yes 462 Sysmiss 2819 m5a_14. Borrow from a money lender in the community 11175 2819 0 No 11042 1 Yes 133 Sysmiss 2819 m5a_15. Borrow from friends and/or family 11175 2819 0 No 10859 1 Yes 316 Sysmiss 2819 m5a_16. Don't buy inputs - get inputs in exchange for goods or labour 11175 2819 0 No 10681 1 Yes 494 Sysmiss 2819 m5a_17. Don't know 11175 2819 0 No 10707 1 Yes 468 Sysmiss 2819 m5a_18, Other (Specify) 11175 2819 0 No 9627 1 Yes 1548 Sysmiss 2819 M5b. Where do you mainly get the money for farming activities? 1666 12328 1 Don?t have to buy because I manage with what I have already (keeping seed from own harvest, etc) 377 2 Use money from other sources of income 219 3 Use savings from formal institutions (bank, SACCO, MFI) 45 4 VASLAs 265 5 Government Subsidy Scheme 97 6 Digital loans (from digital platforms/fintechs, Mobile network Operators) 2 7 Sell crops/livestock/other produce to get money 278 8 Get money in advance from buyer to whom we sell crop/livestock 15 9 Get from a supplier or distributor and pay later 18 10 Loan from formal lending institutions (bank, SACCO, MFI, NTDFS) 10 11 Loan / credits from buyer of your harvest / supplier of agricultural inputs 31 12 Loan from a farmers? association 30 13 Borrow from a community/savings group where we save and lend to each other 78 14 Borrow from a money lender in the community 17 15 Borrow from friends and/or family 32 16 Don?t buy inputs - get inputs in exchange for goods or labour 31 98 Other (Specify) 0 99 Don?t know 121 Sysmiss 12328 M6. Have you used any of your assets or land to secure a loan for yourself or fo 78 13916 1 Yes 28 2 No 50 99 Do not know 0 Sysmiss 13916 M7. Do you/your household farm mostly for consumption or selling? 10981 3013 1 Consumption 9057 2 Selling 1783 99 Don't know 141 Sysmiss 3013 M8. Have you or your household ever considered turning your farming activities i 10101 3893 1 Yes 2416 2 No 7569 99 Do not know 116 Sysmiss 3893 M9. If you have considered turning your farming activities into a small business 0 0 m9_1. Do not have means/money/Don't have enough water 2416 11578 0 No 1090 1 Yes 1326 Sysmiss 11578 m9_2. Land issues (quality, size) 2416 11578 0 No 1292 1 Yes 1124 Sysmiss 11578 m9_3. Do not have collateral to acquire inputs 2416 11578 0 No 2322 1 Yes 94 Sysmiss 11578 m9_4. The market is too far away 2416 11578 0 No 2345 1 Yes 71 Sysmiss 11578 m9_5. Transport issues (cost, reliability.) 2416 11578 0 No 2383 1 Yes 33 Sysmiss 11578 m9_6. There is no surplus to sell / low yields 2416 11578 0 No 1981 1 Yes 435 Sysmiss 11578 m9_7. Market price is too low 2416 11578 0 No 2289 1 Yes 127 Sysmiss 11578 m9_8. Other (Specify) 2416 11578 0 No 2326 1 Yes 90 Sysmiss 11578 M10. What are the main challenges you face when selling your produce? 0 0 m10_1. Distance to the market 1783 12211 0 No 1356 1 Yes 427 Sysmiss 12211 m10_2. Transportation (access, cost, reliability, damaging goods) 1783 12211 0 No 1602 1 Yes 181 Sysmiss 12211 m10_3. Lack of storage 1783 12211 0 No 1609 1 Yes 174 Sysmiss 12211 m10_4. Problems with buyers of products (price, payment) 1783 12211 0 No 1476 1 Yes 307 Sysmiss 12211 m10_5. Goods/products get damaged in transit 1783 12211 0 No 1677 1 Yes 106 Sysmiss 12211 m10_6. Low/fluctuating market prices 1783 12211 0 No 577 1 Yes 1206 Sysmiss 12211 m10_7. Lack of refrigeration facilities 1783 12211 0 No 1751 1 Yes 32 Sysmiss 12211 m10_8. No loan facilities nearby 1783 12211 0 No 1736 1 Yes 47 Sysmiss 12211 m10_9. Process of getting the loan is long 1783 12211 0 No 1731 1 Yes 52 Sysmiss 12211 m10_10. The timing of when the money is paid does not suit me 1783 12211 0 No 1750 1 Yes 33 Sysmiss 12211 m10_11. Do not know/no answer 1783 12211 0 No 1657 1 Yes 126 Sysmiss 12211 m10_12. Other (Specify) 1783 12211 0 No 1623 1 Yes 160 Sysmiss 12211 N1a. Please tell me about all the different ways you get/make money to pay for y 0 0 n1a_1. Salary/wages from Government institution 13994 0 0 No 13271 1 Yes 723 n1a_2. Salary/wages from a private business/company 13994 0 0 No 13566 1 Yes 428 n1a_3. Salary/wages from a farmer 13994 0 0 No 12786 1 Yes 1208 n1a_4. Salary/wages from an individual 13994 0 0 No 13583 1 Yes 411 n1a_5. Self-employed (have own registered/licensed business) 13994 0 0 No 13173 1 Yes 821 n1a_6. Money from farming (crops and/or livestock; by-products from livestock) 13994 0 0 No 10184 1 Yes 3810 n1a_7. Money from fishing 13994 0 0 No 13972 1 Yes 22 n1a_8. Rental income 13994 0 0 No 13714 1 Yes 280 n1a_9. Private pension 13994 0 0 No 13906 1 Yes 88 n1a_10. Government pension 13994 0 0 No 13919 1 Yes 75 n1a_11. Government/state grant/VUP grant/ VUP cash transfer 13994 0 0 No 13545 1 Yes 449 n1a_12. Social protection 13994 0 0 No 13877 1 Yes 117 n1a_13. Gift 13994 0 0 No 13370 1 Yes 624 n1a_14. Remittances (money from friends/family) 13994 0 0 No 13316 1 Yes 678 n1a_15. Get money from household member 13994 0 0 No 13545 1 Yes 449 n1a_16. Household member pays my expenses 13994 0 0 No 13178 1 Yes 816 n1a_17. Piece work 13994 0 0 No 8909 1 Yes 5085 n1a_18. VUP public works 13994 0 0 No 13811 1 Yes 183 n1a_19. Make goods to sell 13994 0 0 No 13835 1 Yes 159 n1a_20. Sell something I grow 13994 0 0 No 11796 1 Yes 2198 n1a_21. Sell something I collect from nature (thatch/wood/charcoal) 13994 0 0 No 13946 1 Yes 48 n1a_22. Self-employed (have own business -not registered/licensed) 13994 0 0 No 12991 1 Yes 1003 n1a_23. Humaniterian 13994 0 0 No 13528 1 Yes 466 N1b. On which of these do you rely most to make a living? 13994 0 1 Salary/wages from Government institution 653 2 Salary/wages from a private business/company 349 3 Salary/wages from a farmer 898 4 Salary/wages from an individual 316 5 Self-employed (registered/licensed) 652 6 Money from farming 2611 7 Money from fishing 9 8 Rental income 155 9 Private pension 46 10 Government pension 42 11 Government 359 12 Social protection 34 13 Gift 309 14 Remittances 245 15 Get money from household member 120 16 Household member pays my expenses 816 17 Piece work 3965 18 VUP public works 102 19 Make goods to sell 97 20 Sell something I grow 1193 21 Sell something I collect from nature 21 22 Self-employed (not registered/licensed) 740 23 Humanitarian 262 N2. How do you MOSTLY receive the money you get from ?...? 13179 815 1 Daily 2084 2 Weekly 1577 3 Fortnightly 397 4 Monthly 2902 5 Annually 134 6 Seasonally 3190 7 Occasionally 971 8 Umurimo urangiye 1786 98 Other (Specify) 138 Sysmiss 815 N3. How do you receive the money you get from ?...? 13179 815 1 Cash in hand 10659 2 Cheque 77 3 Into bank account 1503 4 Western Union 9 5 Mobile Money 823 98 Other (Specity) 108 Sysmiss 815 N4. Which of these, if any, best describes your personal working status? 13994 0 1 Work full-time or 30 hours a week or more for yourself or in your own business 2832 2 Work full-time or 30 hours a week or more for a company or individual 3140 3 Work part-time or less than 30 hours a week for yourself or in your own business 1168 4 Work part-time or less than 30 hours a week for a company or individual 1400 5 Work part-time or less than 8 hours a week for a company or individual 963 6 Student or learner (in full-time education) 386 7 Housewife or house husband 2840 8 Pensioner or retired 177 9 Long term illness / disabled 320 10 Unemployed and looking for first job 162 11 Unemployed ? was employed and looking for job 155 12 Unemployed and not looking for a job 323 98 Other (Specify) 128 N5. How long you have been unemployed? 640 13354 1 Less than 1 year 99 2 1 year to 2 years 89 3 More than 2 years but less than 5 years 187 4 More than 5 years 226 99 Don?t know 39 Sysmiss 13354 n6. Which of the following statements are true to you? 0 0 n6_1. You participate in community projects 13994 0 1 True 12369 2 False 1625 n6_2. You had an internship or had a volunteered job in the past 12 months 13994 0 1 True 1737 2 False 12257 n6_3. You tried to start your own business 13994 0 1 True 3421 2 False 10573 n6_4. You currently doing any course/training to improve job prospects 13994 0 1 True 1312 2 False 12682 n6_5. You have the skills necessary to find a job 13994 0 1 True 3137 2 False 10857 N7a. How many hours a day do you spend on unpaid work? When I say unpaid work, I 13994 0 1 Less than an hour 1705 2 1 hour ? 3 hours 4293 3 4 hours ? 5 hours 3769 4 6 hours ? 8 hours 2279 5 9 hour ? 10 hours 932 6 11 hours ? 15 hours 641 7 16 hours ? 20 hours 132 8 21 hours ? 24 hours 243 N7b. How many hours a day do you spend taking care of family members (children, 13994 0 1 Less than an hour 2385 2 1 hour ? 3 hours 4875 3 4 hours ? 5 hours 2824 4 6 hours ? 8 hours 1721 5 9 hour ? 10 hours 885 6 11 hours ? 15 hours 651 7 16 hours ? 20 hours 147 8 21 hours ? 24 hours 506 N9. In total, how many people, if any, do you employ in your business? 4017 9977 0 127 0.636 3.114 N10. Would it be easier for you to give me an estimate of this for a month or fo 9503 4491 1 Month 6845 2 Year 467 3 I don?t get money monthly/annually 1051 96 Refused 1106 99 Don?t know the amount for either 34 Sysmiss 4491 N11. What is your monthly personal total income? 4513 9481 1 1,000 Rwf or less 131 2 10001 - 3,000 Rwf 51 3 3,001 - 5,000 Rwf 130 4 5,001 - 7,000 Rwf 125 5 7,001 - 10,000 Rwf 237 6 10,001 - 15,000 Rwf 315 7 15,001 - 20,000 Rwf 285 8 20,001 - 25,000 Rwf 213 9 25,001 - 30,000 Rwf 283 10 30,001 - 40,000 Rwf 263 11 40,001 - 50,000 Rwf 296 12 50,001 - 100,000 Rwf 533 13 100,001 - 300,000 Rwf 541 14 300,001 - 500,000 Rwf 242 15 More than 500,000 Rwf 253 16 Irregular/seasonal income 615 Sysmiss 9481 N12. What is your Annual total income? 4323 9671 1 10,000 Rwf or less 193 2 10001 - 3,000 Rwf 66 3 3,001 - 5,000 Rwf 31 4 5,001 - 7,000 Rwf 47 5 7,001 - 10,000 Rwf 85 6 10,001 - 15,000 Rwf 115 7 15,001 - 20,000 Rwf 154 8 20,001 - 25,000 Rwf 354 9 25,001 - 30,000 Rwf 391 10 30,001 - 40,000 Rwf 562 11 40,001 - 50,000 Rwf 344 12 50,001 - 100,000 Rwf 451 13 More than 500,000 Rwf 323 14 Irregular/seasonal income 1207 Sysmiss 9671 N13. What impact has COVID19 had on your livelihoods/income since March, 2020, t 0 0 n13_1. I got retrenched 13994 0 0 No 10734 1 Yes 3260 n13_2. Stopped working for some time 13994 0 0 No 9835 1 Yes 4159 n13_3. Income/revenue reduced 13994 0 0 No 7830 1 Yes 6164 n13_4. Same as before/nothing changed 13994 0 0 No 10471 1 Yes 3523 n13_5. Same as before, but expect the worse in future 13994 0 0 No 13809 1 Yes 185 n13_6. Company?s benefits such as pension fund, medical aid, etc. were reduced o 13994 0 0 No 13922 1 Yes 72 n13_7. Income/revenue increased 13994 0 0 No 13759 1 Yes 235 n13_8. Could not operate due to restrictions 13994 0 0 No 9107 1 Yes 4887 n13_9. Do not know 13994 0 0 No 13654 1 Yes 340 n13_10. Other 13994 0 0 No 13199 1 Yes 795 N14. Since March 1st, 2020, have you or anyone in your household (including for 0 0 n14_1. Government of Rwanda 13994 0 0 No 12526 1 Yes 1468 n14_2. Banking institution 13994 0 0 No 13983 1 Yes 11 n14_3. Church/Mosque 13994 0 0 No 13849 1 Yes 145 n14_4. Savings groups 13994 0 0 No 13919 1 Yes 75 n14_5. Bank or mobile money agent 13994 0 0 No 13990 1 Yes 4 n14_6. Cooperative 13994 0 0 No 13975 1 Yes 19 n14_7. Friends/family/community 13994 0 0 No 13502 1 Yes 492 n14_8. Employer 13994 0 0 No 13978 1 Yes 16 n14_9. Microfinance 13994 0 0 No 13983 1 Yes 11 n14_10. Moneylender 13994 0 0 No 13954 1 Yes 40 n14_11. Did not receive any support 13994 0 0 No 1945 1 Yes 12049 n15.which of the following financial activities have you started using since COV 0 0 n15_01. Have you started use-Mobile money 13994 0 1 Started using 1359 2 Used more 1845 3 Used the same 5590 4 I do not use 5200 n15_02. Have you started use-Bank transfer/Mobile banking 13994 0 1 Started using 210 2 Used more 339 3 Used the same 873 4 I do not use 12572 n15_03. Have you started use-Card swiping 13994 0 1 Started using 48 2 Used more 57 3 Used the same 285 4 I do not use 13604 n15_04. Have you started use-Card tapping 13994 0 1 Started using 140 2 Used more 193 3 Used the same 495 4 I do not use 13166 n15_05. Have you started use-Borrowed money 13994 0 1 Started using 420 2 Used more 418 3 Used the same 2278 4 I do not use 10878 n15_06. Have you started use-Saved money 13994 0 1 Started using 776 2 Used more 892 3 Used the same 3882 4 I do not use 8444 n15_07. Have you started use-Took new insurance product 13994 0 1 Started using 58 2 Used more 29 3 Used the same 331 4 I do not use 13576 n15_08. Have you started use-Sending money to someone not living with you 13994 0 1 Started using 431 2 Used more 798 3 Used the same 2644 4 I do not use 10121 n15_09. Have you started use-Online shopping 13994 0 1 Started using 372 2 Used more 690 3 Used the same 807 4 I do not use 12125 n15_10. Have you started use-Food delivery service/ grocery store delivery 13994 0 1 Started using 55 2 Used more 65 3 Used the same 311 4 I do not use 13563 n15_11. Have you started use-Savings groups 13994 0 1 Started using 782 2 Used more 450 3 Used the same 3629 4 I do not use 9133 n15_12. Have you started use-Invested money using mobile/online platforms 13994 0 1 Started using 44 2 Used more 44 3 Used the same 304 4 I do not use 13602 n15_13. Have you started use-Bought shares online 13994 0 1 Started using 29 2 Used more 20 3 Used the same 158 4 I do not use 13787 n15_14. Have you started use-Sold shares online 13994 0 1 Started using 17 2 Used more 13 3 Used the same 155 4 I do not use 13809 p1. place your match sticks according to how you spend your money in the past m 0 0 p1_01. Number/Food and drink and other groceries 13178 816 0 21 8.768 4.714 p1_02. Number/Water Electricity, paraffin, gas and other fuel 13178 816 0 4361 1 4423 2 3117 3 801 4 194 5 211 6 33 7 10 8 11 9 4 10 6 13 1 16 1 18 5 Sysmiss 816 p1_03. Number/Education 13178 816 0 21 1.783 2.011 p1_04. Number/Transport expenses 13178 816 0 6126 1 4007 2 2285 3 543 4 86 5 95 6 21 7 10 8 2 10 3 Sysmiss 816 p1_05. Number/Bond or home loan, credit card, car financing 13178 816 0 11577 1 849 2 456 3 164 4 55 5 44 6 13 7 6 8 6 9 1 10 3 11 1 16 3 Sysmiss 816 p1_06. Number/Communication 13178 816 0 4035 1 5847 2 2565 3 516 4 98 5 77 6 9 7 4 8 4 9 3 10 14 11 2 12 1 15 1 16 1 19 1 Sysmiss 816 p1_07. Number/Medical, health expenses, doctors' fees, pharmacy/chemist medicine 13178 816 0 21 1.814 1.528 p1_08. Number/Rental payments and rates, levies 13178 816 0 21 0.268 0.893 p1_09. Number/Other debt repayments 13178 816 0 10947 1 1469 2 559 3 103 4 58 5 27 6 7 7 1 8 1 9 3 10 2 11 1 Sysmiss 816 p1_10. Number/Savings, investments and retirement 13178 816 0 21 1.112 2.153 p1_11. Number/Insurance premium payments 13178 816 0 21 0.218 0.581 p1_12. Number/Household furnishings, equipment and routine household maintenance 13178 816 0 21 1.262 1.349 p1_13. Number/Personal spending 13178 816 0 21 1.05 1.461 p1_14. Number/Leisure, entertainment and miscellaneous goods and services 13178 816 0 11652 1 1211 2 258 3 35 4 12 5 6 6 1 8 2 9 1 Sysmiss 816 p1_15. Number/Farming inputs 13178 816 0 21 0.916 1.327 p1_16. Number/Business inputs 13178 816 0 12184 1 659 2 220 3 64 4 30 5 8 6 6 7 3 8 2 10 1 11 1 Sysmiss 816 P. Total number 13178 816 21 13178 Sysmiss 816 p2. How do you normally pay: Food/drink - Cash 12809 1185 0 No 0 1 Yes 12809 Sysmiss 1185 p2. How do you normally pay: Water, Electricity, gas, fuel- Cash 8732 5262 0 No 3526 1 Yes 5206 Sysmiss 5262 p2. How do you normally pay: Education (fees, uniform, transport, stationery) - 8505 5489 0 No 2064 1 Yes 6441 Sysmiss 5489 p2. How do you normally pay: Transport expenses- Cash 6989 7005 0 No 1 1 Yes 6988 Sysmiss 7005 p2. How do you normally pay: Food/drink - Cash 1594 12400 0 No 389 1 Yes 1205 Sysmiss 12400 p2. How do you normally pay: Communication - Cash 9054 4940 0 No 0 1 Yes 9054 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Cash 10923 3071 0 No 4412 1 Yes 6511 Sysmiss 3071 p2. How do you normally pay: Rental payments and rates, levies - Cash 1663 12331 0 No 1 1 Yes 1662 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Cash 2215 11779 0 No 0 1 Yes 2215 Sysmiss 11779 p2. How do you normally pay: Savings, investments and retirement - Cash 6805 7189 0 No 0 1 Yes 6805 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments-Cash 2180 11814 0 No 0 1 Yes 2180 Sysmiss 11814 p2. How do you normally pay: Household furnishings,equipment,maintenance - Cash 8826 5168 0 No 362 1 Yes 8464 Sysmiss 5168 p2. How do you normally: Personal spending - Cash 7949 6045 0 No 327 1 Yes 7622 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 66 1 Yes 1447 Sysmiss 12481 p2. How do you normally: Farming inputs- Cash 6156 7838 0 No 0 1 Yes 6156 Sysmiss 7838 p2. How do you normally: Business inputs- Cash 986 13008 0 No 94 1 Yes 892 Sysmiss 13008 p2. How do you normally: Food/drink - Cheque 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 p2. How do you normally pay: Water, Electricity, gas, fuel - Cheque 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 p2. How do you normally pay: Education (fees, uiform, transport, stationery)- Ch 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Cheque 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Cheque 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Cheque 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Cheque 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 p2. How do you normally pay: Rental payments and rates, levies - Cheque 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Cheque 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments- Cheque 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p2. How do you normally pay: Household furnishings,equipment,maintenance - Chequ 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Cheque 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Cheque 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Cheque 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Cash card payments 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Cash card payments 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Cash card payments 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Cash card payments 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Cash card payme 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Cash card payments 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments- Cash card payments 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Cash card payments 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Cash card payments 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Cash card payments 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Internet banking to make an EFT 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Internet banking to make an EFT 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Internet banking to make an EFT 1594 12400 0 No 1206 1 Yes 388 Sysmiss 12400 p2. How do you normally pay: Communication - Internet banking to make an EFT 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Internet bankin 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Internet banking to make an 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Internet banking to ma 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p2. How do you normally pay: Household furnishings,equipment,maintenance - Inter 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending- Internet banking to make an EFT 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Internet banking to make an EFT 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Internet banking to make an EFT 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Banking app to make EFT 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Banking app to make EFT 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Banking app to make EFT 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communicationk - Banking app to make EFT 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Banking app to 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 p2. How do you normally pay: Rental payments and rates, levies - Banking app to 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Banking app to make EFT 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Banking app to make EF 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p2. How do you normally pay: Household furnishings,equipment,maintenance - Banki 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Banking app to make EFT 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Banking app to make EFT 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Banking app to make EFT 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Online payments 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Online payments 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Online payments 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Online payments 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Online payments 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Online payments 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Online payments 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p2. How do you normally pay: Household furnishings,equipment, maintenance - Onli 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Online payments 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment & miscellaneous goods and se 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Online payments 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Online payments 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Bank card swipe 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense Food/drink - Bank card swipe 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Bank card swipe 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Bank card swipe 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Bank card swipe 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Bank card swipe 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Bank card swipe 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p2. How do you normally pay: Household furnishings,equipment,maintenance - Bank 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Bank card swipe 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Bank card swipe 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Bank card swipe 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Bank card tap 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 p2. How do you normally pay: Education (fees, uniform, transport, stationery) - 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expensek - Bank card tap 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Bank card tap 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Bank card tap 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Bank card tap 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Bank card tap 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Bank card tap 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Bank card tap 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Bank card tap 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Bank card tap 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Bank card for online purchase 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 p2. How do you normally pay: Water, Electricity, gas, fuel - Bank card for onlin 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 p2. How do you normally pay: Education (fees, uniform, transport, stationery) - 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Bank card for online purchase 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Bank card for online purchase 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Bank card for online purchase 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Bank card for o 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Bank card for online purcha 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Bank card for online p 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p2. How do you normally pay: Household furnishings,equipment,maintenance- Bank c 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Bank card for online purchase 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Bank card for online purchase 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Bank card for online purchase 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Mobile money 12809 1185 0 No 11357 1 Yes 1452 Sysmiss 1185 8732 5262 0 No 5252 1 Yes 3480 Sysmiss 5262 8505 5489 0 No 6659 1 Yes 1846 Sysmiss 5489 p2. How do you normally pay: Transport expense - Mobile money 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Mobile money 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Mobile money 9054 4940 0 No 7325 1 Yes 1729 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Mobile money 10923 3071 0 No 4883 1 Yes 6040 Sysmiss 3071 1663 12331 0 No 1517 1 Yes 146 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Mobile money 2215 11779 0 No 1750 1 Yes 465 Sysmiss 11779 6805 7189 0 No 4389 1 Yes 2416 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Mobile money 2180 11814 0 No 1206 1 Yes 974 Sysmiss 11814 8826 5168 0 No 8136 1 Yes 690 Sysmiss 5168 p2. How do you normally pay: Personal spending - Mobile money 7949 6045 0 No 7666 1 Yes 283 Sysmiss 6045 p2. How do you normally pay: Leisure & entertainment- Mobile mone 1513 12481 0 No 1375 1 Yes 138 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Mobile money 6156 7838 0 No 5885 1 Yes 271 Sysmiss 7838 p2. How do you normally pay: Business inputs- Mobile money 986 13008 0 No 897 1 Yes 89 Sysmiss 13008 p2. How do you normally pay: Food/drink - Mobilepayments (USSD) 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 p2. How do you normally pay: Water, Electricity, gas, fuel- Mobilepayments (USSD 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 p2. How do you normally pay: Education (fees, uniform, transport, stationery)- M 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Mobilepayments (USSD) 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Mobilepayments (USSD) 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Mobilepayments (USSD) 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Mobilepayments 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Mobilepayments (USSD) 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Mobilepayments (USSD) 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Mobilepayments (USSD) 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Mobilepayments (USSD) 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Mobilepayments (USSD) 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Tap and How do you normally pay: card 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Tap and How do you normally pay 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Tap and How do you normally pay: card 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - Tap and How do you normally pay: ca 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Tap and How do 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Tap and How do you normally 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Tap and How do you nor 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p2. How do you normally pay: Household furnishings,equipment,maintenance - Tap a 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Tap and How do you normally pay 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Tap and How do you normally pay: ca 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Tap and How do you normally pay: c 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - On credit / on tab /on book 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 p2. How do you normally pay: Water, Electricity, gas, fuel- On credit / on tab / 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense- On credit / on tab /on book 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - On credit / on tab /on book 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communication - On credit / on tab /on book 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - On credit / on 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1663 1 Yes 0 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - On credit / on tab /on book 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - On credit / on tab /on 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - On credit / on tab /on book 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- On credit / on tab /on book 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- On credit / on tab /on book 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Other 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 p2. How do you normally pay: Water, Electricity, gas, fuel - Other 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Other 6989 7005 0 No 6989 1 Yes 0 Sysmiss 7005 p2. How do you normally pay: Food/drink - Other 1594 12400 0 No 1594 1 Yes 0 Sysmiss 12400 p2. How do you normally pay: Communicationk - Other 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Other 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1662 1 Yes 1 Sysmiss 12331 p2. How do you normally pay: Other debt repayments - Other 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Other 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Other 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Other 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Other 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p2. How do you normally pay: Food/drink - Don't know 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 8732 5262 0 No 8732 1 Yes 0 Sysmiss 5262 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p2. How do you normally pay: Transport expense - Don't know 6989 7005 0 No 6988 1 Yes 1 Sysmiss 7005 p2. How do you normally pay: Food/drink - Don't know 1594 12400 0 No 1593 1 Yes 1 Sysmiss 12400 p2. How do you normally pay: Communication - Don't know 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p2. How do you normally pay: Medical, health expenses,pharmacy - Don't know 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 1663 12331 0 No 1662 1 Yes 1 Sysmiss 12331 p2. HHow do you normally pay: Other debt repayments - Don't know 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p2. How do you normally pay: Insurance premium payments - Don't know 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p2. How do you normally pay: Personal spending - Don't know 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p2. How do you normally pay: Leisure, entertainment and miscellaneous goods and 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p2. How do you normally pay: Farming inputs- Don't know 6156 7838 0 No 6156 1 Yes 0 Sysmiss 7838 p2. How do you normally pay: Business inputs- Don't know 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p3. which payment methods do you most prefer to use when making payments? 0 0 p3_01. MOST PREFER/Food and drink and other groceries 12809 1185 1 Cash 12809 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 1185 p3_02. MOST PREFER/Water Electricity, paraffin, gas and other fuel 8378 5616 1 Cash 4852 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 3526 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 5616 p3_03. MOST PREFER/Education 8505 5489 1 Cash 6441 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 2064 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 5489 p3_04. MOST PREFER/Transport expenses 6988 7006 1 Cash 6988 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 7006 p3_05. MOST PREFER/Bond or home loan, credit card, car financing 1593 12401 1 Cash 1205 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 388 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 12401 p3_06. MOST PREFER/Communication 9054 4940 1 Cash 9054 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 4940 p3_07. MOST PREFER/Medical, health expenses, doctors' fees, pharmacy/chemist med 10923 3071 1 Cash 6511 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 4412 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 3071 p3_08. MOST PREFER/Rental payments and rates, levies 1662 12332 1 Cash 1662 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 12332 p3_09. MOST PREFER/Other debt repayments 2215 11779 1 Cash 2215 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 11779 p3_10. MOST PREFER/Savings, investments and retirement 6805 7189 1 Cash 6805 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 7189 p3_11. MOST PREFER/Insurance premium payments 2180 11814 1 Cash 2180 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 11814 p3_12. MOST PREFER/Household furnishings, equipment and routine household mainte 8826 5168 1 Cash 8464 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 362 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 5168 p3_13. MOST PREFER/Personal spending 7949 6045 1 Cash 7622 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 327 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 6045 p3_14. MOST PREFER/Leisure, entertainment and miscellaneous goods and services 1513 12481 1 Cash 1447 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 66 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 12481 p3_15. MOST PREFER/Farming inputs 6156 7838 1 Cash 6156 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 0 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 7838 p3_16. MOST PREFER/Business inputs 986 13008 1 Cash 892 2 Cheque 0 3 Cash card payment 0 4 Internet banking to make an EFT 0 5 Banking app to make EFT 0 6 Online payment (PayPal, etc.) 0 7 Bank card swipe 0 8 Bank card tap 0 9 Bank card for online purchase 0 10 Mobile money 94 11 Mobile payment (USSD) 0 12 Tap and Pay card 0 13 On credit / on tab /on book 0 Sysmiss 13008 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_01_1: Food and drink: Convenience 12809 1185 0 No 6281 1 Yes 6528 Sysmiss 1185 p4_01_1: Food and drink: Cost effective to use 12809 1185 0 No 9606 1 Yes 3203 Sysmiss 1185 p4_01_1: Food and drink: Most merchants accept it 12809 1185 0 No 10890 1 Yes 1919 Sysmiss 1185 p4_01_1: Food and drink: Easy to use 12809 1185 0 No 12169 1 Yes 640 Sysmiss 1185 p4_01_1: Food and drink: Safe and secure method of payment 12809 1185 0 No 12290 1 Yes 519 Sysmiss 1185 p4_01_1: Food and drink: Availability 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 p4_01_1: Food and drink: Get Rewards/incentives/loyalty points 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 p4_01_1: Food and drink: Other 12809 1185 0 No 12809 1 Yes 0 Sysmiss 1185 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_02_1: Water/Electricity, paraffin, gas and other fuel: Convenience 8295 5699 0 No 7459 1 Yes 836 Sysmiss 5699 p4_02_2: Water/Electricity, paraffin, gas and other fuel: Cost effective to use 8295 5699 0 No 8295 1 Yes 0 Sysmiss 5699 p4_02_3: Water/Electricity, paraffin, gas and other fuel: Most merchants accept 8295 5699 0 No 8295 1 Yes 0 Sysmiss 5699 p4_02_4: Water/Electricity, paraffin, gas and other fuel: Easy to use 8295 5699 0 No 1592 1 Yes 6703 Sysmiss 5699 p4_02_5: Water/Electricity, paraffin, gas and other fuel: Safe and secure method 8295 5699 0 No 7539 1 Yes 756 Sysmiss 5699 p4_02_6: Water/Electricity, paraffin, gas and other fuel: Availability 8295 5699 0 No 4945 1 Yes 3350 Sysmiss 5699 p4_02_7: Water/Electricity, paraffin, gas and other fuel: Get Rewards/incentives 8295 5699 0 No 8295 1 Yes 0 Sysmiss 5699 p4_02_8: Water/Electricity, paraffin, gas and other fuel: Other 8295 5699 0 No 8295 1 Yes 0 Sysmiss 5699 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_03_1: Education: Convenience 8505 5489 0 No 8000 1 Yes 505 Sysmiss 5489 p4_03_2: Education: Cost effective to use 8505 5489 0 No 8079 1 Yes 426 Sysmiss 5489 p4_03_3: Education: Most merchants accept it 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p4_03_4: Education: Easy to use 8505 5489 0 No 5102 1 Yes 3403 Sysmiss 5489 p4_03_5: Education: Safe and secure method of payment 8505 5489 0 No 4334 1 Yes 4171 Sysmiss 5489 p4_03_6: Education: Availability 8505 5489 0 No 7735 1 Yes 770 Sysmiss 5489 p4_03_7: Education: Get Rewards/incentives/loyalty points 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 p4_03_8: Education: Other 8505 5489 0 No 8505 1 Yes 0 Sysmiss 5489 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_04_1: Transport expenses: Convenience 6988 7006 0 No 1682 1 Yes 5306 Sysmiss 7006 p4_04_2: Transport expenses: Cost effective to use 6988 7006 0 No 6988 1 Yes 0 Sysmiss 7006 p4_04_3: Transport expenses: Most merchants accept it 6988 7006 0 No 6988 1 Yes 0 Sysmiss 7006 p4_04_4: Transport expenses: Easy to use 6988 7006 0 No 5591 1 Yes 1397 Sysmiss 7006 p4_04_5: Transport expenses: Safe and secure method of payment 6988 7006 0 No 6703 1 Yes 285 Sysmiss 7006 p4_04_6: Transport expenses: Availability 6988 7006 0 No 6988 1 Yes 0 Sysmiss 7006 p4_04_7: Transport expenses: Get Rewards/incentives/loyalty points 6988 7006 0 No 6988 1 Yes 0 Sysmiss 7006 p4_04_8: Transport expenses: Other 6988 7006 0 No 6988 1 Yes 0 Sysmiss 7006 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_05_1: Bond or home loan, credit card, car financing: Convenience 1593 12401 0 No 783 1 Yes 810 Sysmiss 12401 p4_05_2: Bond or home loan, credit card, car financing: Cost effective to use 1593 12401 0 No 1593 1 Yes 0 Sysmiss 12401 p4_05_3: Bond or home loan, credit card, car financing: Most merchants accept it 1593 12401 0 No 1593 1 Yes 0 Sysmiss 12401 p4_05_4: Bond or home loan, credit card, car financing: Easy to use 1593 12401 0 No 878 1 Yes 715 Sysmiss 12401 p4_05_5: Bond or home loan, credit card, car financing: Safe and secure method o 1593 12401 0 No 1525 1 Yes 68 Sysmiss 12401 p4_05_6: Bond or home loan, credit card, car financing: Availability 1593 12401 0 No 1593 1 Yes 0 Sysmiss 12401 p4_05_7: Bond or home loan, credit card, car financing: Get Rewards/incentives/l 1593 12401 0 No 1593 1 Yes 0 Sysmiss 12401 p4_05_8: Bond or home loan, credit card, car financing: Other 1593 12401 0 No 1593 1 Yes 0 Sysmiss 12401 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_06_1: Communication: Convenience 9054 4940 0 No 6705 1 Yes 2349 Sysmiss 4940 p4_06_2: Communication: Cost effective to use 9054 4940 0 No 6790 1 Yes 2264 Sysmiss 4940 p4_06_3: Communication: Most merchants accept it 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p4_06_4: Communication: Easy to use 9054 4940 0 No 5432 1 Yes 3622 Sysmiss 4940 p4_06_5: Communication: Safe and secure method of payment 9054 4940 0 No 8235 1 Yes 819 Sysmiss 4940 p4_06_6: Communication: Availability 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p4_06_7: Communication: Get Rewards/incentives/loyalty points 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 p4_06_8: Communication: Other 9054 4940 0 No 9054 1 Yes 0 Sysmiss 4940 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_07_1: Medical: Convenience 10923 3071 0 No 8088 1 Yes 2835 Sysmiss 3071 p4_07_2: Medical: Cost effective to use 10923 3071 0 No 5461 1 Yes 5462 Sysmiss 3071 p4_07_3: Medical: Most merchants accept it 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 p4_07_4: Medical: Easy to use 10923 3071 0 No 8297 1 Yes 2626 Sysmiss 3071 p4_07_5: Medical: Safe and secure method of payment 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 p4_07_6: Medical: Availability 10923 3071 0 No 9935 1 Yes 988 Sysmiss 3071 p4_07_7: Medical: Get Rewards/incentives/loyalty points 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 p4_07_8: Medical: Other 10923 3071 0 No 10923 1 Yes 0 Sysmiss 3071 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_08_1: Rental payments and rates, levies: Convenience 1662 12332 0 No 1567 1 Yes 95 Sysmiss 12332 p4_08_2: Rental payments and rates, levies: Cost effective to use 1662 12332 0 No 1662 1 Yes 0 Sysmiss 12332 p4_08_3: Rental payments and rates, levies: Most merchants accept it 1662 12332 0 No 1496 1 Yes 166 Sysmiss 12332 p4_08_4: Rental payments and rates, levies: Easy to use 1662 12332 0 No 748 1 Yes 914 Sysmiss 12332 p4_08_5: Rental payments and rates, levies: Safe and secure method of payment 1662 12332 0 No 1175 1 Yes 487 Sysmiss 12332 p4_08_6: Rental payments and rates, levies: Availability 1662 12332 0 No 1496 1 Yes 166 Sysmiss 12332 p4_08_7: Rental payments and rates, levies: Get Rewards/incentives/loyalty point 1662 12332 0 No 1662 1 Yes 0 Sysmiss 12332 p4_08_8: Rental payments and rates, levies: Other 1662 12332 0 No 1662 1 Yes 0 Sysmiss 12332 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_09_1: Other debt repayments: Convenience 2215 11779 0 No 1645 1 Yes 570 Sysmiss 11779 p4_09_2: Other debt repayments: Cost effective to use 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 p4_09_3: Other debt repayments: Most merchants accept it 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 p4_09_4: Other debt repayments: Easy to use 2215 11779 0 No 1216 1 Yes 999 Sysmiss 11779 p4_09_5: Other debt repayments: Safe and secure method of payment 2215 11779 0 No 1569 1 Yes 646 Sysmiss 11779 p4_09_6: Other debt repayments: Availability 2215 11779 0 No 2104 1 Yes 111 Sysmiss 11779 p4_09_7: Other debt repayments: Get Rewards/incentives/loyalty points 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 p4_09_8: Other debt repayments: Other 2215 11779 0 No 2215 1 Yes 0 Sysmiss 11779 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_10_1: Savings, investments and retirement: Convenience 6805 7189 0 No 6062 1 Yes 743 Sysmiss 7189 p4_10_2: Savings, investments and retirement: Cost effective to use 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p4_10_3: Savings, investments and retirement: Most merchants accept it 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p4_10_4: Savings, investments and retirement: Easy to use 6805 7189 0 No 4082 1 Yes 2723 Sysmiss 7189 p4_10_5: Savings, investments and retirement: Safe and secure method of payment 6805 7189 0 No 3466 1 Yes 3339 Sysmiss 7189 p4_10_6: Savings, investments and retirement: Availability 6805 7189 0 No 6465 1 Yes 340 Sysmiss 7189 p4_10_7: Savings, investments and retirement: Get Rewards/incentives/loyalty poi 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 p4_10_8: Savings, investments and retirement: Other 6805 7189 0 No 6805 1 Yes 0 Sysmiss 7189 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_11_1: Insurance premium payments: Convenience 2180 11814 0 No 1946 1 Yes 234 Sysmiss 11814 p4_11_2: Insurance premium payments: Cost effective to use 2180 11814 0 No 1307 1 Yes 873 Sysmiss 11814 p4_11_3: Insurance premium payments: Most merchants accept it 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p4_11_4: Insurance premium payments: Easy to use 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p4_11_5: Insurance premium payments: Safe and secure method of payment 2180 11814 0 No 1543 1 Yes 637 Sysmiss 11814 p4_11_6: Insurance premium payments: Availability 2180 11814 0 No 1744 1 Yes 436 Sysmiss 11814 p4_11_7: Insurance premium payments: Get Rewards/incentives/loyalty points 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 p4_11_8: Insurance premium payments: Other 2180 11814 0 No 2180 1 Yes 0 Sysmiss 11814 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_12_1: Household furnishings: Convenience 8826 5168 0 No 6536 1 Yes 2290 Sysmiss 5168 p4_12_2: Household furnishings: Cost effective to use 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p4_12_3: Household furnishings: Most merchants accept it 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p4_12_4: Household furnishings: Easy to use 8826 5168 0 No 2290 1 Yes 6536 Sysmiss 5168 p4_12_5: Household furnishings: Safe and secure method of payment 8826 5168 0 No 8027 1 Yes 799 Sysmiss 5168 p4_12_6: Household furnishings: Availability 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p4_12_7: Household furnishings: Get Rewards/incentives/loyalty points 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 p4_12_8: Household furnishings: Other 8826 5168 0 No 8826 1 Yes 0 Sysmiss 5168 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_13_1: Personal spending: Convenience 7949 6045 0 No 7477 1 Yes 472 Sysmiss 6045 p4_13_2: Personal spending: Cost effective to use 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p4_13_3: Personal spending: Most merchants accept it 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p4_13_4: Personal spending: Easy to use 7949 6045 0 No 472 1 Yes 7477 Sysmiss 6045 p4_13_5: Personal spending: Safe and secure method of payment 7949 6045 0 No 4771 1 Yes 3178 Sysmiss 6045 p4_13_6: Personal spending: Availability 7949 6045 0 No 7229 1 Yes 720 Sysmiss 6045 p4_13_7: Personal spending: Get Rewards/incentives/loyalty points 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 p4_13_8: Personal spending: Other 7949 6045 0 No 7949 1 Yes 0 Sysmiss 6045 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_14_1: Leisure, entertainment and miscellaneous goods and services: Convenienc 1513 12481 0 No 1428 1 Yes 85 Sysmiss 12481 p4_14_2: Leisure, entertainment and miscellaneous goods and services: Cost effec 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p4_14_3: Leisure, entertainment and miscellaneous goods and services: Most merch 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p4_14_4: Leisure, entertainment and miscellaneous goods and services: Easy to us 1513 12481 0 No 764 1 Yes 749 Sysmiss 12481 p4_14_5: Leisure, entertainment and miscellaneous goods and services: Safe and s 1513 12481 0 No 834 1 Yes 679 Sysmiss 12481 p4_14_6: Leisure, entertainment and miscellaneous goods and services: Availabili 1513 12481 0 No 1143 1 Yes 370 Sysmiss 12481 p4_14_7: Leisure, entertainment and miscellaneous goods and services: Get Reward 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 p4_14_8: Leisure, entertainment and miscellaneous goods and services: Other 1513 12481 0 No 1513 1 Yes 0 Sysmiss 12481 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_15_1: Farming inputs: Convenience 6095 7899 0 No 5790 1 Yes 305 Sysmiss 7899 p4_15_2: Farming inputs: Cost effective to use 6095 7899 0 No 3323 1 Yes 2772 Sysmiss 7899 p4_15_3: Farming inputs: Most merchants accept it 6095 7899 0 No 6095 1 Yes 0 Sysmiss 7899 p4_15_4: Farming inputs: Easy to use 6095 7899 0 No 1786 1 Yes 4309 Sysmiss 7899 p4_15_5: Farming inputs: Safe and secure method of payment 6095 7899 0 No 5846 1 Yes 249 Sysmiss 7899 p4_15_6: Farming inputs: Availability 6095 7899 0 No 6095 1 Yes 0 Sysmiss 7899 p4_15_7: Farming inputs: Get Rewards/incentives/loyalty points 6095 7899 0 No 6095 1 Yes 0 Sysmiss 7899 p4_15_8: Farming inputs: Other 6095 7899 0 No 6095 1 Yes 0 Sysmiss 7899 P4. Why do you prefer using [Pipe in from P3] when making payments? 0 0 p4_16_1: Business inputs: Convenience 986 13008 0 No 931 1 Yes 55 Sysmiss 13008 p4_16_2: Business inputs: Cost effective to use 986 13008 0 No 788 1 Yes 198 Sysmiss 13008 p4_16_3: Business inputs: Most merchants accept it 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p4_16_4: Business inputs: Easy to use 986 13008 0 No 346 1 Yes 640 Sysmiss 13008 p4_16_5: Business inputs: Safe and secure method of payment 986 13008 0 No 893 1 Yes 93 Sysmiss 13008 p4_16_6: Business inputs: Availability 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p4_16_7: Business inputs: Get Rewards/incentives/loyalty points 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 p4_16_8: Business inputs: Other 986 13008 0 No 986 1 Yes 0 Sysmiss 13008 P5. What are your primary concerns when using digital payment methods? 0 0 p5_1. Security 13994 0 0 No 11816 1 Yes 2178 p5_2. Privacy 13994 0 0 No 13220 1 Yes 774 p5_3. Transaction Fees 13994 0 0 No 13505 1 Yes 489 p5_4. Accessibilit 13994 0 0 No 13774 1 Yes 220 p5_5. Ease of use and convenience 13994 0 0 No 13743 1 Yes 251 p5_6. Availability 13994 0 0 No 13792 1 Yes 202 p5_7. Get Rewards/incentives/loyalty points 13994 0 0 No 13905 1 Yes 89 p5_8. No concerns 13994 0 0 No 4247 1 Yes 9747 p5_9. Other, specify 13994 0 0 No 12515 1 Yes 1479 C1. Who is the head of this household? 13994 0 1 Respondent is the head of the household 7918 2 Respondent is not the head of the household 6076 C1a. How old is the head of the household? 6076 7918 20 6 21 7 22 10 23 20 24 38 25 50 26 39 27 75 28 74 29 66 30 120 31 94 32 108 33 141 34 129 35 173 36 152 37 163 38 206 39 194 40 238 41 174 42 187 43 182 44 146 45 210 46 126 47 156 48 145 49 159 50 168 51 118 52 145 53 129 54 120 55 130 56 76 57 99 58 97 59 92 60 144 61 101 62 107 63 84 64 87 65 94 66 62 67 76 68 51 69 40 70 74 71 54 72 23 73 44 74 22 75 23 76 23 77 14 78 22 79 9 80 16 81 22 82 11 83 14 84 13 85 11 86 8 87 8 88 6 89 4 90 4 91 8 92 3 93 1 94 1 95 3 97 4 98 3 99 4 999 Missing 16 Sysmiss 7918 C1b. Is the head of the household male/female? 6076 7918 1 Male 5394 2 Female 682 Sysmiss 7918 C1c. Highest level of education completed by the head of the household? 6076 7918 1 No formal education 1210 2 Primary 1-3 831 3 Primary 4-6 2570 4 Secondary 1-3 430 5 Secondary 4-6 524 6 University or other higher education 377 7 Vocational training 64 99 Don?t know 70 Sysmiss 7918 C1d. Does the head of the household bring money into the household? 6076 7918 1 Yes 5343 2 No 727 99 Don?t know 6 Sysmiss 7918 C1e. How many people depend on the household income? (Please include individuals 6076 7918 0 86 1 13 2 347 3 806 4 1249 5 1353 6 1005 7 626 8 326 9 158 10 80 11 18 12 9 Sysmiss 7918 C1f. What is your relationship to the head of the household? 6076 7918 1 Spouse/partner 4350 2 Child 1501 3 Parent/parent in-law 55 4 Other relative 158 5 Tenant 5 6 Housekeeper 1 98 Other 6 Sysmiss 7918 C2. How old are you? 13994 0 16 99 43.058 16.55 C4a. What is the highest level of education you have completed? 13994 0 1 No formal education 2510 2 Primary 1-3 1875 3 Primary 4-6 5675 4 Secondary 1-3 1395 5 Secondary 4-6 1596 6 University or other higher education 799 7 Vocational training 144 C4b. Which of the following applies to you? 13994 0 1 Never married 2478 2 Married 7638 3 Living together 1909 4 Divorced/Separated 594 5 Widowed 1375 C4c. Is there anyone in this household with any disability and/or impairment? 13994 0 1 Yes 3091 2 No 10903 C4d. Do you have any disability and/or impairment? 13994 0 1 Yes 1875 2 No 12119 C4e. Which of the following areas do they or you have difficulties in? 0 0 c4e_1. Visual Impairment /Seeing 3091 10903 0 No 2824 1 Yes 267 Sysmiss 10903 c4e_2. Physical impairment 3091 10903 0 No 1627 1 Yes 1464 Sysmiss 10903 c4e_3. Intellectual and psychosocial disability 3091 10903 0 No 2681 1 Yes 410 Sysmiss 10903 c4e_4. Hearing Impairment 3091 10903 0 No 2884 1 Yes 207 Sysmiss 10903 c4e_5. Albinism 3091 10903 0 No 3014 1 Yes 77 Sysmiss 10903 c4e_6. Little people 3091 10903 0 No 3082 1 Yes 9 Sysmiss 10903 c4e_7. Deaf/blind 3091 10903 0 No 3052 1 Yes 39 Sysmiss 10903 c4e_8. Communication - speaking, being understood or holding a conversation 3091 10903 0 No 2990 1 Yes 101 Sysmiss 10903 c4e_9. Movement activity - moving from lying to sit to stand, moving arms / legs 3091 10903 0 No 2964 1 Yes 127 Sysmiss 10903 c4e_10. Intellectual disability / developmental delay - thinking problems, slow 3091 10903 0 No 3006 1 Yes 85 Sysmiss 10903 c4e_11. Learning difficulties or cognitive abilities 3091 10903 0 No 3064 1 Yes 27 Sysmiss 10903 c4e_12. Multi disability 3091 10903 0 No 2854 1 Yes 237 Sysmiss 10903 c4e_13. Other (Specify) 3078 10916 0 No 2713 1 Yes 365 Sysmiss 10916 C4e. Other, specify 365 0 2 people in the same household have disabilities 1 Adopted child suffers from diabetes 1 Arm cancer 1 Arm paralysis 1 Arm problem 1 Asthma 22 Asthma / Kidney disease 1 Asthma, Diabetes, High blood pressure 1 Back & waist down paralysis 1 Back disability due to the genoccde 1 Back disease 2 Back paralysis 1 Blood cancer 1 Body aches / Dizziness 1 Body tremor 1 Born with a knee disability 1 Breast surgery 1 Breasts diseases for 2 years now 1 Broken back due to accident 1 Broken finger 1 Broken shoulder 1 Cancer 4 1 Cancer / Gout 1 Car accident 1 Cheek tumor 1 Chest problem 1 Chest problems 2 Child suffering from chest problems 1 Chronic back pain 16 Chronic back pain / High blood pressure 1 Chronic back pain / Neck problems 1 Chronic back pain / Stomach disease 1 Chronic chest pain 1 Chronic cough 1 Chronic cough weakening the body 1 Chronic daily headache 4 Chronic daily headache / Chronic gastrointestinal disease 1 Chronic disease 26 Chronic disease to the leader of the household 1 Chronic dizziness 1 Chronic gastrointestinal disease 5 Chronic gastrointestinal disease / Chest pain 1 Chronic gastrointestinal disease caused by bullet fragments 1 Chronic heart disease 1 Chronic stomach disease 5 Chronic stomach disease / Asthma 1 Chronic stomach disease / Liver disease 1 Chronic teeth disease 1 Chronic tonsillitis 1 Dehydration 1 Diabetes 3 Diabetes / Liver disease 1 Disability caused by car accident 2 Disability due to the genocide 1 Disability from surgical operations 1 Disabiliy due to car accident 1 Disease 4 Don't have teeth 4 Elephantiasis 1 Epilepsy 12 Gastrointestinal disease 6 Gastrointestinal tumor 1 Gout 2 HIV/AIDS 25 HIV/AIDS / High blood pressure 2 HIV/AIDS from the husband and Stomach disease from wife 1 Has a bullet that can't be removed from his body 1 Head disability due to cut during the genocide 1 Hearing problems 1 Heart / Chronic stomach disease/ Tigh problems 1 Heart disease 12 Hemorrhoid 1 Hepatitis B 2 High blood presssure / Kidneys / Lungs disease 1 High blood pressure 35 High blood pressure / Cancer / Respiratory problems 1 High blood pressure / Diabetes 1 High blood pressure / Diabetes / Asthma 1 High blood pressure / Diabetes / Dizziness 1 High blood pressure / Heart disease 1 High blood pressure / Hepatitis / Stomach disease, etc 1 High blood pressure / Kidneys /Chronic stomach disases 1 High blood pressure / Knees problems 1 High blood pressure / Liver disease / Asthma 1 High blood pressure / Liver disease/ Hepatitis B 1 High blood pressure / Muscle disorder 1 High blood pressure/ Heart disease and stomach disease 1 High blood pressure/Diabetes 1 High blood pressure/Heart disease 1 High blood pressure/Heart disease/Diabetes 1 I'm old 15 I'm old I can't walk 1 Injury 2 Kidneys disease 1 Knees problems 1 Leader of house hold has a chronic back pain 1 Leader of the house suffers from chronic stomach pain 1 Legs disease 5 Liver disease / I'm old 1 Liver disease cause by hepatitis 1 Liver disease caused by hepatitis B 1 Lost of limbs 1 Lungs disease 1 Muscle disorder 4 Mute 4 My sister suffers from cancer 1 Navel disability 1 None 8 Nose bleeding 3 Partial paralysis 3 Physical impairment (leg) caused by car accident 1 Respiratory diseases 7 Respiratory problems 2 Ribs disability 1 Ribs disease due to age 1 Severe injury 1 Side effectc of C-section that caused the death of infant 1 Side effects of C-section and teeth problems 1 Side effects of C-section performed on his wife 1 Sight problems / Shot in back 1 Sinusitis 1 Sterile 1 Stomach disease 8 Swollen feet 1 Swollen gastrointestinal tissues 3 Swollen legs 2 Teeth disability 1 Teeth problems 2 Tigh disability 1 Too many surgical operations 1 Trauma 1 Trauma due to the loss of her husband 1 Tuberculosis 1 War casuality 1 Weak immune system 1 Weak immune system due to age 1 C5_1. How often have you or your household had to skip a meal because you didn?t 13994 0 1 Many times 2633 2 A few times 4967 3 Never 6365 96 Refused 0 99 Don?t know 29 C5_2. How often have you or your household had to go without medical treatment/m 13994 0 1 Many times 1414 2 A few times 3390 3 Never 9154 96 Refused 0 99 Don?t know 36 C5_3. How often have you or your household not been able to send children to sch 13994 0 1 Many times 1869 2 A few times 3226 3 Never 8596 96 Refused 0 99 Don?t know 303 C5_4. How often have you or your household had to go without cash income and had 13994 0 1 Many times 4222 2 A few times 4678 3 Never 4942 96 Refused 0 99 Don?t know 152 C6_1. How many rooms does the dwelling have (excluding kitchen, bathroom, toilet 13994 0 0 8 1 366 2 1392 3 3890 4 5341 5 2175 6 648 7 149 8 25 C6_2. How many rooms in this dwelling are used for sleeping purposes? 13994 0 0 6 1 1954 2 5590 3 4845 4 1338 5 242 6 19 20 20 - 20 0 C6_3. How many people usually sleep in this dwelling 5 nights a week? 13994 0 1 890 2 1492 3 2501 4 4065 5 3425 6 928 7 452 8 192 9 43 10 6 20 20 - 20 0 C7a. Please tell me which of the following describes your situation best? 13994 0 1 You own this dwelling 9442 2 You own this dwelling together with someone else 1082 3 A member/other member of the household (not you) own this dwelling. 1256 4 You/your household rent this dwelling. 1438 5 The dwelling is provided to you/your household rent free. 519 98 Other (specify) 232 99 Does not know 25 C7b. How did you get the dwelling? 10524 3470 1 Bought it 804 2 Built it 8820 3 Inherited it 352 4 Got it for free 548 Sysmiss 3470 C7c. Where did you get financing or how do you plan to finance these improvement 0 0 c7c_1. Loan from a financial institution 9624 4370 0 No 8911 1 Yes 713 Sysmiss 4370 c7c_2. Borrow from money lender 9624 4370 0 No 9597 1 Yes 27 Sysmiss 4370 c7c_3. Borrow from savings group, tontine 9624 4370 0 No 8840 1 Yes 784 Sysmiss 4370 c7c_4. Borrowed from employer 9624 4370 0 No 9584 1 Yes 40 Sysmiss 4370 c7c_5. Borrow from family or friends 9624 4370 0 No 9370 1 Yes 254 Sysmiss 4370 c7c_6. Pension pay-out 9624 4370 0 No 9604 1 Yes 20 Sysmiss 4370 c7c_7. Use my or our savings 9624 4370 0 No 2978 1 Yes 6646 Sysmiss 4370 c7c_8. Other specify 9624 4370 0 No 7458 1 Yes 2166 Sysmiss 4370 C7d. What are the two major sources where you got most of the money from to buy 9624 4370 1 Loan from a financial institution 624 2 Borrow from money lender 14 3 Borrow from savings group, tontine 497 4 Borrowed from employer 30 5 Borrow from family or friends 156 6 Pension pay-out 193 7 Use my or our savings 6215 98 Other specify 1895 Sysmiss 4370 C7e. What challenges have you encountered when trying to access finance for buyi 0 0 c7e_1. Insufficient income to qualify for a mortgage or loan 9624 4370 0 No 8493 1 Yes 1131 Sysmiss 4370 c7e_2. Poor credit history or low credit score 9624 4370 0 No 9551 1 Yes 73 Sysmiss 4370 c7e_3. High interest rates on housing loans 9624 4370 0 No 9528 1 Yes 96 Sysmiss 4370 c7e_4. Lack of collateral or assets to secure a loan 9624 4370 0 No 9355 1 Yes 269 Sysmiss 4370 c7e_5. Lengthy and complex loan application processes 9624 4370 0 No 9381 1 Yes 243 Sysmiss 4370 c7e_6. Limited availability of affordable housing loans 9624 4370 0 No 9448 1 Yes 176 Sysmiss 4370 c7e_7. Difficulty in meeting down payment requirements 9624 4370 0 No 9422 1 Yes 202 Sysmiss 4370 c7e_8. Uncertainty about eligibility for government housing assistance programs 9624 4370 0 No 9504 1 Yes 120 Sysmiss 4370 c7e_9. Limited access to information about available housing finance options 9624 4370 0 No 9479 1 Yes 145 Sysmiss 4370 c7e_10. Inadequate savings for renovation or down payment 9624 4370 0 No 8938 1 Yes 686 Sysmiss 4370 c7e_11. Legal and regulatory barriers related to property ownership and financin 9624 4370 0 No 9463 1 Yes 161 Sysmiss 4370 c7e_12. Limited availability of affordable housing in desired locations 9624 4370 0 No 6122 1 Yes 3502 Sysmiss 4370 c7e_13. Concerns about potential hidden costs associated with home ownership 9624 4370 0 No 9498 1 Yes 126 Sysmiss 4370 c7e_14. Fear of housing market fluctuations affecting loan repayment 9624 4370 0 No 9535 1 Yes 89 Sysmiss 4370 c7e_15. Difficulty in finding reputable lenders or financial institutions 9624 4370 0 No 9569 1 Yes 55 Sysmiss 4370 c7e_16. Poor credit history or low credit score 9624 4370 0 No 9399 1 Yes 225 Sysmiss 4370 c7e_17. None 9624 4370 0 No 7724 1 Yes 1900 Sysmiss 4370 c7e_18. Other (Specify) 9624 4370 0 No 9477 1 Yes 147 Sysmiss 4370 C8a. Do you owe money on the dwelling? 9624 4370 1 Yes 437 2 No 9167 99 Don?t know 20 Sysmiss 4370 C8b. Do you have a title deed for the land/plot where your dwelling is? 9624 4370 1 Yes 6972 2 No 2619 99 Don?t know 33 Sysmiss 4370 C8c. Do you own other dwellings? 9624 4370 1 Yes 1410 2 No 8214 Sysmiss 4370 c8d_1. You will never move and will probably spend your whole life in this dwell 9624 4370 1 TRUE 6166 2 FALSE 3123 97 N/A 291 99 Missing 44 Sysmiss 4370 c8d_2. Your dwelling is something to keep and never sell. 9624 4370 1 TRUE 6694 2 FALSE 2616 97 N/A 273 99 Missing 41 Sysmiss 4370 c8d_3. You plan to sell this dwelling and buy a different one 9624 4370 1 TRUE 1531 2 FALSE 7733 97 N/A 318 99 Missing 42 Sysmiss 4370 c8d_4. You plan to move out of this dwelling and move to another one 9624 4370 1 TRUE 1734 2 FALSE 7535 97 N/A 311 99 Missing 44 Sysmiss 4370 c8d_5. If you needed a large sum of money, you would sell your dwelling. 9624 4370 1 TRUE 1960 2 FALSE 7306 97 N/A 314 99 Missing 44 Sysmiss 4370 c8d_6. You would use your dwelling as security when borrowingmoney. 9624 4370 1 TRUE 3663 2 FALSE 5595 97 N/A 314 99 Missing 52 Sysmiss 4370 c8d_7. You think of your dwelling as an investment that will increase in value o 9624 4370 1 TRUE 7000 2 FALSE 2256 97 N/A 317 99 Missing 51 Sysmiss 4370 c8d_8. Your dwelling is an asset you can use to earn money 9624 4370 1 TRUE 3438 2 FALSE 5824 97 N/A 308 99 Missing 54 Sysmiss 4370 c8d_9. You have enlarged or plan to enlarge your dwelling. 9624 4370 1 TRUE 3846 2 FALSE 5049 97 N/A 648 99 Missing 81 Sysmiss 4370 C8e. Where did you get financing or how do you plan to finance these improvement 0 0 c8e_1. Loan from a financial institution 4301 9693 0 No 4129 1 Yes 172 Sysmiss 9693 c8e_2. Borrow from money lender 4301 9693 0 No 4286 1 Yes 15 Sysmiss 9693 c8e_3. Borrow from savings group, tontine 4301 9693 0 No 4002 1 Yes 299 Sysmiss 9693 c8e_4. Borrowed from employer 4301 9693 0 No 4291 1 Yes 10 Sysmiss 9693 c8e_5. Borrow from family or friends 4301 9693 0 No 4247 1 Yes 54 Sysmiss 9693 c8e_6. Pension pay-out 4301 9693 0 No 4297 1 Yes 4 Sysmiss 9693 c8e_7. Use my or our savings 4301 9693 0 No 3686 1 Yes 615 Sysmiss 9693 c8e_8. Do not know 4301 9693 0 No 4160 1 Yes 141 Sysmiss 9693 c8e_9. Other (Specify) 4301 9693 0 No 4286 1 Yes 15 Sysmiss 9693 C9. What is the main source of drinking water for household members? 13994 0 1 Piped into Dwelling 467 2 Piped to Yard/Plot 2290 3 Public Tap/Standpipe 5902 4 Tube Well or Borehole 306 5 Protected Well 1105 6 Unprotected Well 728 7 Protected Spring 1357 8 Unprotected Spring 984 9 Rainwater 74 10 Tanker Truck 5 11 Surface Water: River/Lake/Pond/Stream/Irrigation Channel 495 98 Other (specify) 281 C10a. Does your house have a toilet that is used by people who live in the house 13994 0 1 Own household toilet 12747 2 Share toilet with other households 1149 3 Don?t have toilet facilities at all 98 C10b. What type of toilet facility is mostly used by the members of your househo 13994 0 1 Flush toilet 862 2 Pit Latrine with constructed floor slab 11150 3 Pit latrine without constructed floor slab 1838 98 Other (Specify) 144 C11a. What is the main source of energy that your household uses for cooking? 13994 0 1 Firewood 10533 2 Charcoal 2458 3 Gas 878 4 Biogaz 12 5 Solar power 1 6 Electricity 2 7 Oil/kerosene 0 8 Crop waste 42 9 Animal dung 0 98 Other (Specify) 68 C11b. What is the main source of lighting in your home? 13994 0 1 Electricity from EUCL (former EWSA) 7409 2 Other electricity distributors 113 3 Biogaz 4 4 Generator 0 5 Oil Lamp 80 6 Firewood 267 7 Candle 353 8 Lantern (Agatadowa) 407 9 Solar panel 2857 10 Batteries + Bulb 543 98 Other (Specify) 1961 C11b. Other, specify 1961 0 Tourch/Telephone 1961 c12_01. Does you or your household own-Hoe, Axe, Sickle/Machete 13994 0 1 Yes 12258 2 No 1736 c12_01. Does you or your household own-Wheelbarrow 13994 0 1 Yes 531 2 No 13463 c12_01. Does you or your household own-Plough/Ox Plough 13994 0 1 Yes 17 2 No 13977 c12_01. Does you or your household own-Ox/donkey cart 13994 0 1 Yes 39 2 No 13955 c12_01. Does you or your household own-Processing equipment (grinding mill/ oil 13994 0 1 Yes 62 2 No 13932 c12_01. Does you or your household own-Radio 13994 0 1 Yes 7425 2 No 6569 c12_01. Does you or your household own-Tape/CD player 13994 0 1 Yes 1688 2 No 12306 c12_01. Does you or your household own-Television 13994 0 1 Yes 2855 2 No 11139 c12_01. Does you or your household own-Bicycle 13994 0 1 Yes 2301 2 No 11693 c12_01. Does you or your household own-Fishing boat/canoe 13994 0 1 Yes 32 2 No 13962 c12_01. Does you or your household own-Fishing net 13994 0 1 Yes 41 2 No 13953 c12_01. Does you or your household own-Lounge suit/Sofa 13994 0 1 Yes 6862 2 No 7132 c12_01. Does you or your household own-Bed(s) 13994 0 1 Yes 8940 2 No 5054 c12_01. Does you or your household own-Sewing machine 13994 0 1 Yes 481 2 No 13513 c12_01. Does you or your household own-Wardrobe 13994 0 1 Yes 1534 2 No 12460 c12_01. Does you or your household own-Motorized Vehicle of any kind 13994 0 1 Yes 793 2 No 13201 C13a. Can you please tell me in which Ubudehe category your household falls? 13994 0 1 1st category 1372 2 2nd category 6476 3 3rd category 5880 4 4th category 38 5 Appellxed 56 99 Don?t know 172 C13b. Has the category your household is in changed in the past 2 years? 13822 172 1 Yes 1104 2 No 12584 99 Don?t know 134 Sysmiss 172 C13c. In what category did your household fall before it changed? 1104 12890 1 1st category 544 2 2nd category 365 3 3rd category 157 4 4th category 0 5 Appellxed 19 99 Don?t know 19 Sysmiss 12890 C13d. Has your household received a direct cash transfer from VUP in the past 12 13994 0 1 Yes 1078 2 No 12844 99 Don?t know 72 C14.1 Do you have access to a Cell phone 13994 0 1 Yes, have access 11155 2 No, don?t have access 2839 C14.2 Do you/does your household own cell phone? 13994 0 1 Own 9347 2 Household own 4647 C14.3 Do you have access to the Computer? 13994 0 1 Yes, have access 1151 2 No, don?t have access 12843 C14.4 Do you/does your household own? 1151 12843 1 Own 818 2 Household own 333 Sysmiss 12843 C14.5 Do you have access to internet? 13994 0 1 Yes, have access 2118 2 No, do not have access 11876 C14.6 Do you/does your household own? 2118 11876 1 Own 1787 2 Household own 331 Sysmiss 11876 D1b1. How long would it take you to get to your nearest Market? 13994 0 1 Less than 15 minutes 2992 2 Between 15 and 30 minutes 3493 3 Between 31 and 60 minutes 3070 4 More than 60 minutes 4234 99 Don?t know 205 D1c1. What is the main mode of transport do you use to get to your nearest Marke 13994 0 1 Walk 12471 2 Bicycle 453 3 Moto 450 4 Vehicle 439 5 Don?t need to ? it is close 30 97 NA 151 D1b2. How long would it take you to get to your nearest Cell office? 13994 0 1 Less than 15 minutes 4194 2 Between 15 and 30 minutes 4899 3 Between 31 and 60 minutes 3192 4 More than 60 minutes 1547 99 Don?t know 162 D1c2. What is the main mode of transport do you use to get to your nearest Cell 13994 0 1 Walk 13137 2 Bicycle 236 3 Moto 269 4 Vehicle 160 5 Don?t need to ? it is close 63 97 NA 129 D1a3. What is the distance from here to the nearest Sector office? 13993 1 1 Less than 500m 1460 2 Between 500m and 1Km 2158 3 Between 1Km and 2Km 2615 4 Between 3Km and 5Km 3572 5 More than 5Km 3494 99 Don?t know 694 Sysmiss 1 D1b3. How long would it take you to get to your nearest Sector office? 13994 0 1 Less than 15 minutes 1733 2 Between 15 and 30 minutes 3107 3 Between 31 and 60 minutes 3923 4 More than 60 minutes 5000 99 Don?t know 231 D1c3. What is the main mode of transport do you use to get to your nearest Secto 13994 0 1 Walk 12230 2 Bicycle 411 3 Moto 774 4 Vehicle 392 5 Don?t need to ? it is close 8 97 NA 179 D1b4. How long would it take you to get to your nearest Primary/Secondary school 13994 0 1 Less than 15 minutes 4917 2 Between 15 and 30 minutes 5280 3 Between 31 and 60 minutes 2626 4 More than 60 minutes 928 99 Don?t know 243 D1c4. What is the main mode of transport do you use to get to your nearest Prima 13994 0 1 Walk 13333 2 Bicycle 127 3 Moto 112 4 Vehicle 157 5 Don?t need to ? it is close 76 97 NA 189 D1b5. How long would it take you to get to your nearest Health care facility? 13994 0 1 Less than 15 minutes 2122 2 Between 15 and 30 minutes 3701 3 Between 31 and 60 minutes 4202 4 More than 60 minutes 3774 99 Don?t know 195 D1c5. What is the main mode of transport do you use to get to your nearest Healt 13994 0 1 Walk 12590 2 Bicycle 354 3 Moto 574 4 Vehicle 325 5 Don?t need to ? it is close 18 97 NA 133 D1a7. What is the distance from here to the nearest Umurenge SACCO? 13993 1 1 Less than 500m 1438 2 Between 500m and 1Km 2197 3 Between 1Km and 2Km 2592 4 Between 3Km and 5Km 3583 5 More than 5Km 3135 99 Don?t know 1048 Sysmiss 1 D1b7. How long would it take you to get to your nearest Umurenge SACCO? 13994 0 1 Less than 15 minutes 1712 2 Between 15 and 30 minutes 3221 3 Between 31 and 60 minutes 3937 4 More than 60 minutes 4454 99 Don?t know 670 D1c7. What is the main mode of transport do you use to get to your nearest Umure 13994 0 1 Walk 12023 2 Bicycle 409 3 Moto 586 4 Vehicle 346 5 Don?t need to ? it is close 46 97 NA 584 D1a8. What is the distance from here to the nearest Non-Umurenge SACCO/MFI? 13993 1 1 Less than 500m 1139 2 Between 500m and 1Km 1750 3 Between 1Km and 2Km 2196 4 Between 3Km and 5Km 3209 5 More than 5Km 3287 99 Don?t know 2412 Sysmiss 1 D1b8. How long would it take you to get to your nearest Non-Umurenge SACCO/MFI? 13994 0 1 Less than 15 minutes 1430 2 Between 15 and 30 minutes 2742 3 Between 31 and 60 minutes 3436 4 More than 60 minutes 4363 99 Don?t know 2023 D1c8. What is the main mode of transport do you use to get to your nearest Non-U 13994 0 1 Walk 10455 2 Bicycle 399 3 Moto 661 4 Vehicle 541 5 Don?t need to ? it is close 115 97 NA 1823 D1a10. What is the distance from here to the nearest Bank branch? 13993 1 1 Less than 500m 894 2 Between 500m and 1Km 1417 3 Between 1Km and 2Km 1831 4 Between 3Km and 5Km 2901 5 More than 5Km 4784 99 Don?t know 2166 Sysmiss 1 D1b10. How long would it take you to get to your nearest I Bank branch? 13994 0 1 Less than 15 minutes 1093 2 Between 15 and 30 minutes 2326 3 Between 31 and 60 minutes 2850 4 More than 60 minutes 5714 99 Don?t know 2011 D1c10. What is the main mode of transport do you use to get to your nearest Bank 13994 0 1 Walk 9525 2 Bicycle 479 3 Moto 984 4 Vehicle 1117 5 Don?t need to ? it is close 89 97 NA 1800 D1a11. What is the distance from here to the nearest ATM? 13993 1 1 Less than 500m 802 2 Between 500m and 1Km 1162 3 Between 1Km and 2Km 1554 4 Between 3Km and 5Km 2341 5 More than 5Km 3988 99 Don?t know 4146 Sysmiss 1 D1b11. How long would it take you to get to your nearest ATM? 13994 0 1 Less than 15 minutes 1041 2 Between 15 and 30 minutes 1941 3 Between 31 and 60 minutes 2413 4 More than 60 minutes 4501 99 Don?t know 4098 D1c11. What is the main mode of transport do you use to get to your nearest ATM? 13994 0 1 Walk 7696 2 Bicycle 402 3 Moto 874 4 Vehicle 1130 5 Don?t need to ? it is close 184 97 NA 3708 D1a13. What is the distance from here to the nearest Bank agent? 13993 1 1 Less than 500m 887 2 Between 500m and 1Km 1387 3 Between 1Km and 2Km 1639 4 Between 3Km and 5Km 2832 5 More than 5Km 4575 99 Don?t know 2673 Sysmiss 1 D1b13. How long would it take you to get to your nearest Mobile van? 13994 0 1 Less than 15 minutes 1614 2 Between 15 and 30 minutes 2150 3 Between 31 and 60 minutes 2403 4 More than 60 minutes 3821 99 Don?t know 4006 D1c13. What is the main mode of transport do you use to get to your nearest Bank 13994 0 1 Walk 9150 2 Bicycle 461 3 Moto 838 4 Vehicle 957 5 Don?t need to ? it is close 151 97 NA 2437 D1a14. What is the distance from here to the nearest Mobile money agent? 13993 1 1 Less than 500m 7709 2 Between 500m and 1Km 3013 3 Between 1Km and 2Km 1152 4 Between 3Km and 5Km 766 5 More than 5Km 456 99 Don?t know 897 Sysmiss 1 D1b14. How long would it take you to get to your nearest Mobile money agent? 13994 0 1 Less than 15 minutes 6286 2 Between 15 and 30 minutes 2835 3 Between 31 and 60 minutes 1666 4 More than 60 minutes 1808 99 Don?t know 1399 D1c14. What is the main mode of transport do you use to get to your nearest Mobi 13994 0 1 Walk 13020 2 Bicycle 88 3 Moto 118 4 Vehicle 105 5 Don?t need to ? it is close 123 97 NA 540 D1a15. How long would it take you to get to your nearest Insurance branch? 13993 1 1 Less than 15 minutes 1174 2 Between 15 and 30 minutes 1874 3 Between 31 and 60 minutes 2353 4 More than 60 minutes 4122 99 Don?t know 4470 Sysmiss 1 D1b15. What is the distance from here to the nearest Insurance branch? 13994 0 1 Less than 500m 1042 2 Between 500m and 1Km 1233 3 Between 1Km and 2Km 1415 4 Between 3Km and 5Km 2188 5 More than 5Km 3373 99 Don?t know 4743 D1c15. What is the main mode of transport do you use to get to your nearest Insu 13994 0 1 Walk 7240 2 Bicycle 328 3 Moto 913 4 Vehicle 1168 5 Don?t need to ? it is close 196 97 NA 4149