rwa-nisr-fs-2012-v1 rwa-nisr-rfs-2012-v1 National Institute of Statistics of Rwanda 2015-03-26 Nesstar Publisher V1 Rwanda Finscope Survey 2012 Financial Inclusion in Rwanda 2008-2012 RFS 2012 RWA-NISR-FS-2012-v01 Access to Finance Rwanda (AFR) National Bank of Rwanda Ministry of Finance and Economic Planning National Institute of statistics of Rwanda Yakini Development Finmark Trust Centre for Social and Economic Studies (c) 2012, Access to Finance Nesstar Publisher United Kingdom’s Department for International Development World Bank Public Relations and Communications Officer Socio-Economic/Monitoring Survey [hh/sems] Edited, anonymous dataset for public distribution. This is the first version of the data description FinScope FinScope Rwanda FinScope data are at the National level coverage Sample survey data [ssd] Access to Finance Rwanda Face-to-face [f2f] The data was weighted (taking into account the three levels of sampling) in order for the data to represent the Rwandan population 16 years or older. The survey data entry was done by using the Statistical Package for the Social Sciences (SPSS) software. Once the entire dataset was entered, extensive checks were carried out to ensure that the data was clean and without errors. Any anomalies were reviewed and checked against the original questionnaires to establish validity. By downloading, data users agree to maintain the confidentiality of the data and data subjects. NISR Public use files, accessible to all rfs-2012-data.NSDstat 6150 668 Nesstar 200801 Access to Finance Rwanda (AFR) Once the entire dataset was captured, extensive checks were carried out to ensure that the data was clean and without capturing errors. Any anomalies were reviewed and checked against the original questionnaires to establish validity. NISR carried out the final validation of the data and signed off the final dataset before data analysis commenced. V1 Province 6150 0 1 Kigali City 750 2 Southern Province 1600 3 Western Province 1400 4 Northern Province 1000 5 Eastern Province 1400 District 6150 0 1 District1 1050 2 District2 1050 3 District3 1050 4 District4 800 5 District5 800 6 District6 600 7 District7 600 8 District8 200 District 6150 0 11 57 11 Nyarugenge 250 12 Gasabo 250 13 Kicukiro 250 21 Nyanza 200 22 Gisagara 200 23 Nyaruguru 200 24 Huye 200 25 Nyamagabe 200 26 Ruhango 200 27 Muhanga 200 28 Kamonyi 200 31 Karongi 200 32 Rutsiro 200 33 Rubavu 200 34 Nyabihu 200 35 Ngororero 200 36 Rusizi 200 37 Nyamasheke 200 41 Rulindo 200 42 Gakenke 200 43 Musanze 200 44 Burera 200 45 Gicumbi 200 51 Rwamagana 200 52 Nyagatare 200 53 Gatsibo 200 54 Kayonza 200 55 Kirehe 200 56 Ngoma 200 57 Bugesera 200 Sector 6150 0 1 580 2 460 3 470 4 460 5 560 6 450 7 490 8 440 9 450 10 430 11 360 12 350 13 240 14 170 15 110 16 80 17 40 18 10 Cell 6150 0 1 4069 2 1801 3 230 4 40 5 10 Village 6150 0 1 6100 2 40 3 10 Urban/Rural 6150 0 1 Urban 750 2 Rural 4670 3 Other Urban 730 Number of the selected household 6150 0 1 789 2 606 3 588 4 593 5 594 6 587 7 598 8 589 9 591 10 588 11 4 12 9 13 5 14 4 15 5 Number of substitute household 6150 0 1 539 2 506 3 521 4 504 5 509 6 509 7 483 8 493 9 481 10 471 11 248 12 244 13 208 14 185 15 159 99 90 NUMHH 6149 1 11001 57298 34994.147 13753.749 Do you consider yourself head of the household? 6150 0 1 Yes 3363 2 No 2787 How old is the head of the household? 2787 3363 3 95 3 Don't know 35 Gender of the head of the household? 2787 3363 1 Male 2270 2 Female 517 Sysmiss 3363 Highest level of education completed by the head of the household? 2787 3363 1 No formal education 785 2 Primary 1-3 375 3 Primary 4-6 1055 4 Secondary 1-3 159 5 Secondary 4-6 151 6 University or other higher education 80 7 Vocational training 38 8 Don't know 144 Sysmiss 3363 Does the head of the household bring money into the household? 2787 3363 1 Yes 2449 2 No 338 Sysmiss 3363 How many people depend on the household income? 2787 3363 1 7 2 151 3 412 4 497 5 503 6 435 7 298 8 197 9 111 10 46 11 11 12 11 99 108 Sysmiss 3363 What is your relationship to the head of the household? 2787 3363 1 Spouse/partner 1646 2 Child 697 3 Parent/parent in-law 201 4 Other relative 155 5 Tenant 16 6 Housekeeper 54 7 Other 18 Sysmiss 3363 Respondent age 6150 0 16 99 99 ND 9 Respondent gender 6150 0 1 Male 2590 2 Female 3560 Respondent highest level of education achieved 6150 0 1 No formal education 1650 2 Primary 1-3 990 3 Primary 4-6 2488 4 Secondary 1-3 453 5 Secondary 4-6 396 6 University or other higher education 97 7 Vocational training 76 Respondent marital status 6150 0 1 Never married 1217 2 Married 3457 3 Living together 349 4 Divorced/Separated 250 5 Widowed 877 Respondent participation in financial decision making in the household 6150 0 1 You alone 1591 2 You and your spouse/partner 3245 3 You and other household/family members 636 4 You are not involved in these decisions 678 Respondent general health status 6150 0 1 Satisfactory - don't often need treatment/medical attention 3870 2 Not satisfactory - often need treatment/medical attention 2280 When you are ill, where do you mostly go to be treated? 6150 0 1 Public health care facility 5726 2 Private health care facility 164 3 Private doctor 26 4 Private nurse 23 5 Traditional healer 37 6 Other 19 7 Does not take treatment 155 How often have you or your household had to skip a meal because you didn’t have food? 6150 0 1 Many times 1620 2 A few times 2452 3 Never 2064 4 Refused 14 Who would you first turn to for help if you don’t have food? 6150 0 1 Family/relative 894 2 Friend/neighbour 1853 3 Employer 212 4 Community based organization e.g. like CARE 33 5 Church 14 6 Financial institution like a bank or SACCO 141 7 Government 66 8 Savings club, tontine or ikibina 183 9 Money lender in community 394 10 Farmers association 37 11 No one 1956 12 Don't know 136 13 Other 231 How often have you or your household had to go without medical treatment/medicine because did not have money for treatment/medicine? 6150 0 1 Many times 1521 2 A few times 2286 3 Never 2323 4 Refused 20 Who would you first turn to for help if you don’t have money for medicine or medical treatment? 6130 20 1 Family/relative 936 2 Friend/neighbour 1688 3 Employer 145 4 Community based organization e.g. like CARE 69 5 Church 20 6 Financial institution like a bank or SACCO 115 7 Government 346 8 Savings club, tontine or ikibina 199 9 Money lender in community 540 10 Farmers association 19 11 No one 1721 12 Don't know 131 13 Other 201 Sysmiss 20 How often have you or your household not been able to send children to school because of lack of money for transport/uniform/other school costs? 6150 0 1 Many times 1176 2 A few times 1323 3 Never 1977 4 Refused 64 5 NA 1610 Who would you first turn to for help if you need money for school expenses? 4476 1674 1 Family/relative 616 2 Friend/neighbour 950 3 Employer 116 4 Community based organization e.g. like CARE 85 5 Church 18 6 Financial institution like a bank or SACCO 133 7 Government 306 8 Savings club, tontine or ikibina 163 9 Money lender in community 306 10 Farmers association 19 11 No one 1506 12 Don't know 117 13 Other 141 Sysmiss 1674 How often have you or your household had to go without cash income and had to make a plan for daily needs? 6150 0 1 Many times 3140 2 A few times 2226 3 Never 717 4 Refused 67 Who would you first turn to for help if you don’t have cash to cover your daily needs? 6150 0 1 Family/relative 880 2 Friend/neighbour 1756 3 Employer 184 4 Community based organization e.g. like CARE 36 5 Church 16 6 Financial institution like a bank or SACCO 133 7 Government 52 8 Savings club, tontine or ikibina 221 9 Money lender in community 497 10 Farmers association 35 11 No one 1984 12 Don't know 132 13 Other 224 How many rooms does the dwelling have? 6150 0 1 181 2 912 3 1832 4 2132 5 765 6 214 7 70 8 23 9 14 10 7 How many rooms in this dwelling are used for sleeping purposes? 6150 0 1 1296 2 3058 3 1439 4 288 5 48 6 14 7 3 8 2 9 2 How many people usually sleep in this dwelling 5 nights a week? 6150 0 1 241 2 603 3 1043 4 1172 5 1080 6 872 7 592 8 324 9 140 10 61 11 17 12 5 Household home ownership status 6150 0 1 You own this dwelling 3847 2 You own this dwelling together with someone else 995 3 A member/other members of the household (not you) own this d 524 4 You/your household rent this dwelling 402 5 The dwelling is provided to you/your household rent free 314 6 Other 68 Home owners: How did you get the dwelling? 4842 1308 1 Bought it 439 2 Built it 3800 3 Inherited it 189 4 Got it for free 348 5 Other 66 Sysmiss 1308 Home owners: Where did you get most of the money from to buy/build the house? 4305 1845 1 Loan from a bank 119 2 39 3 Loan from an umurenge SACCO 23 4 Borrowed from money lender 2 5 Borrowed from savings club, tontine, ikibina 106 6 Borrowed from employer 19 7 Borrowed from family/friends 48 8 Pension pay-out 17 9 Used my/our savings 3111 10 Inherited money 79 11 Other 742 Sysmiss 1845 Home owners: Do you owe money on the dwelling? 4305 1845 1 Yes 275 2 No 4001 3 Don't know 29 Sysmiss 1845 Home owners: Do you have a title deed for the land/plot where your dwelling is? 4842 1308 1 Yes 3642 2 No 1138 3 Don't know 62 Sysmiss 1308 Home owners: Do you own other dwellings? 4842 1308 1 Yes 669 2 No 4173 Sysmiss 1308 You will never move and will probably spend your whole life in this dwelling 4842 1308 1 True 3020 2 False 1468 3 N/A 27 4 Don't know 327 Sysmiss 1308 Your dwelling is something to keep and never sell 4842 1308 1 True 3401 2 False 1230 3 N/A 25 4 Don't know 186 Sysmiss 1308 If you needed a large sum of money you would sell your dwelling 4842 1308 1 True 1202 2 False 3454 3 N/A 32 4 Don't know 154 Sysmiss 1308 You would use your dwelling as security when borrowing money 4842 1308 1 True 1977 2 False 2590 3 N/A 56 4 Don't know 219 Sysmiss 1308 You think of your dwelling as an investment that will increase in value over time 4842 1308 1 True 3093 2 False 1413 3 N/A 34 4 Don't know 302 Sysmiss 1308 Your dwelling is an asset you can use to earn money 4842 1308 1 True 1332 2 False 3322 3 N/A 32 4 Don't know 156 Sysmiss 1308 You have enlarged or plan to enlarge your dwelling 4842 1308 1 True 2691 2 False 1886 3 N/A 42 4 Don't know 223 Sysmiss 1308 What is the main source of drinking water for household members 6150 0 1 Piped Into Dwelling 144 2 Piped To Yard/Plot 356 3 Public Tap/Standpipe 1806 4 Tube Well Or Borehole 161 5 Protected Well 256 6 Unprotected Well 211 7 Protected Spring 2152 8 Unprotected Spring 383 9 Rainwater 39 10 Tanker Truck, Surface Water 5 11 617 12 Other 20 Does household have own toilet or is toilet shared with other households? 6150 0 1 Own household toilet 5255 2 Share toilet with other households 562 3 Don't have toilet facilities at all 333 What type of toilet facility is mostly used by the members of your household? 5817 333 1 Flush toilet 346 2 Pit Latrine with constructed floor slab 4201 3 Pit latrine without constructed floor slab 1210 4 Other 47 5 No toilet 13 Sysmiss 333 What is the main source of energy that your household uses for cooking? 6150 0 1 Firewood 5283 2 Charcoal 690 3 Gas 8 4 Biogaz 5 5 Solar power 2 6 Electricity 5 7 Oil/kerosene 13 8 Crop waste 115 9 Animal dung 1 10 Other 28 What is the main source of lighting in your home? 6150 0 1 Electricity from RECO RWASCO 914 2 Other electricity distributors 59 3 Bio Gas 12 4 Generator 7 5 Oil Lamp 1739 6 Firewood 405 7 Candle 403 8 Lantern (Agatadowa) 1608 9 Solar panel 30 10 Batteries+Bulb 656 11 Other 317 Seating room chairs and tables 6150 0 1 Yes 929 2 No 5221 Fridge 6150 0 1 Yes 135 2 No 6015 Deep freezer 6150 0 1 Yes 107 2 No 6043 Radio 6150 0 1 Yes 3327 2 No 2823 Radio that plays cassettes or CDs 6150 0 1 Yes 412 2 No 5738 TV 6150 0 1 Yes 517 2 No 5633 Decoder 6150 0 1 Yes 204 2 No 5946 TV antenna 6150 0 1 Yes 88 2 No 6062 Video player 6150 0 1 Yes 328 2 No 5822 Computer 6150 0 1 Yes 143 2 No 6007 Sound system 6150 0 1 Yes 123 2 No 6027 Mobile phone 6150 0 1 Yes 2348 2 No 3802 Fixed phone 6150 0 1 Yes 139 2 No 6011 Cooker 6150 0 1 Yes 231 2 No 5919 Hoe, Slasher, Panga, Spade, 6150 0 1 Yes 5009 2 No 1141 Wheel Barrow 6150 0 1 Yes 232 2 No 5918 Machine used for digging 6150 0 1 Yes 18 2 No 6132 Washing machine 6150 0 1 Yes 32 2 No 6118 Fan 6150 0 1 Yes 38 2 No 6112 Air condition machine 6150 0 1 Yes 30 2 No 6120 Sewing machine 6150 0 1 Yes 244 2 No 5906 Bed 6150 0 1 Yes 3355 2 No 2795 Wardrobe for clothes 6150 0 1 Yes 771 2 No 5379 Book shelf 6150 0 1 Yes 501 2 No 5649 Table 6150 0 1 Yes 3485 2 No 2665 Chairs 6150 0 1 Yes 4164 2 No 1986 Car 6150 0 1 Yes 214 2 No 5936 Minibus 6150 0 1 Yes 44 2 No 6106 Motorcycle 6150 0 1 Yes 46 2 No 6104 Leisure Boat 6150 0 1 Yes 37 2 No 6113 Bicycle 6150 0 1 Yes 501 2 No 5649 Donkey or Oxen for ploughing 6150 0 1 Yes 14 2 No 6136 Tractor 6150 0 1 Yes 6 2 No 6144 Grinding machine 6150 0 1 Yes 13 2 No 6137 Household ubudehe status 6150 0 1 category1 281 2 category2 1570 3 category3 3112 4 category4 476 5 category5 30 6 category6 7 7 Don't know 674 Has the category your household is in changed in the past 2 years? 5476 674 1 Yes 742 2 No 4519 3 Don't know 215 Sysmiss 674 In what category did your household fall before it changed? 742 5408 1 category1 91 2 category2 304 3 category3 188 4 category4 132 5 category5 7 6 category6 2 7 Don't know 18 Sysmiss 5408 Has your household received a direct cash transfer from VUP in the past 12 months? 6150 0 1 Yes 414 2 No 5448 3 Don't know 288 Cell phone access 6150 0 1 Yes, have access 3885 2 No, don't have access 2265 Those with access, cell phone ownership 3885 2265 1 Own 1979 2 For Household 764 3 Don't own/have 1142 Sysmiss 2265 Public phone/Landline access 6150 0 1 Yes, have access 868 2 No, don't have access 5282 Those with access, landline ownership 868 5282 1 Own 125 2 For Household 122 3 Don't own/have 621 Sysmiss 5282 Computer access 6150 0 1 Yes, have access 455 2 No, don't have access 5695 Those with access, computer ownership 455 5695 1 Own 87 2 For Household 62 3 Don't own/have 306 Sysmiss 5695 Internet access 6150 0 1 Yes, have access 379 2 No, don't have access 5771 Those with access, own internet? 379 5771 1 Own 71 2 For Household 44 3 Don't own/have 264 Sysmiss 5771 How long would it take you to get to your nearest market? 6150 0 1 Less than 30 min 2068 2 More than 30 min; less than an hour 1886 3 More than an hour 2122 4 Don't know 74 Can you use public transport to access this market? 6150 0 1 Yes 2246 2 No 2511 3 Don't need to - it is close 1393 How long would it take you to get to your nearest sector office? 6150 0 1 Less than 30 min 1602 2 More than 30 min; less than an hour 1948 3 More than an hour 2517 4 Don't know 83 Can you use public transport to access this sector office? 6150 0 1 Yes 2365 2 No 2620 3 Don't need to - it is close 1165 How long would it take you to get to your nearest school? 6150 0 1 Less than 30 min 4094 2 More than 30 min; less than an hour 1570 3 More than an hour 424 4 Don't know 62 Can you use public transport to access this school? 6150 0 1 Yes 1529 2 No 2111 3 Don't need to - it is close 2510 How long would it take you to get to your nearest health care facility? 6150 0 1 Less than 30 min 1902 2 More than 30 min; less than an hour 2079 3 More than an hour 2104 4 Don't know 65 Can you use public transport to access this health care facility? 6150 0 1 Yes 2371 2 No 2491 3 Don't need to - it is close 1288 How long would it take you to get to your nearest taxi rank? 6150 0 1 Less than 30 min 1972 2 More than 30 min; less than an hour 1379 3 More than an hour 2694 4 Don't know 105 Can you use public transport to access this taxi rank? 6150 0 1 Yes 2222 2 No 2605 3 Don't need to - it is close 1323 How long would it take you to get to your nearest umurenge SACCO? 6150 0 1 Less than 30 min 1655 2 More than 30 min; less than an hour 1984 3 More than an hour 2290 4 Don't know 221 Can you use public transport to access this umurenge SACCO? 6150 0 1 Yes 2287 2 No 2545 3 Don't need to - it is close 1318 How long would it take you to get to your nearest Bank? 6150 0 1 Less than 30 min 1241 2 More than 30 min; less than an hour 1503 3 More than an hour 3086 4 Don't know 320 Can you use public transport to access this bank? 6150 0 1 Yes 2546 2 No 2465 3 Don't need to - it is close 1139 Public transport is reliable 6150 0 1 Agree 3315 2 Disagree 2538 3 Don't know 297 Public transport is affordable 6150 0 1 Agree 2138 2 Disagree 3626 3 Don't know 386 Public transport is safe to use 6150 0 1 Agree 3918 2 Disagree 1750 3 Don't know 482 You often have to spend more money than you have available 6150 0 1 Agree 3594 2 Disagree 2308 3 Don't know 248 Your current financial situation makes you worry 6150 0 1 Agree 5713 2 Disagree 318 3 Don't know 119 You keep track of your income and expenditure 6150 0 1 Agree 4643 2 Disagree 1180 3 Don't know 327 At any given time you know approximately how much money you have 6150 0 1 Agree 4704 2 Disagree 1100 3 Don't know 346 You adjust your expenses according to your income 6150 0 1 Agree 4838 2 Disagree 1070 3 Don't know 242 6150 0 1 Agree 5188 2 Disagree 721 3 Don't know 241 Criteria for choosing a financial institution to open an account 6150 0 1 816 2 Convenience of access - distance; the time it takes to get t 1092 3 Convenience of access - opening hours; no queues 38 4 How easy it is to save with them 894 5 Quick access to loans 918 6 Simple processes/documentation 194 7 Ability to meet requirements 100 8 High interest on savings 94 9 Low interest on loans 210 10 The type of products & services they offer - whether suitabl 371 11 Good service 176 12 Trust in them 250 13 Don't know 932 14 Other 65 Criteria for choosing an informal group to become a member of 6150 0 1 Knowing the members of the group 457 2 Trusting the members of the group 1902 3 427 4 Regularity of meetings 58 5 How easy it is to save with them 905 6 Whether they provide loans 765 7 Low membership fee/Ease of becoming a member 311 8 High interest on savings 185 9 Low interest on loans 148 10 Whether community leaders are members/not 27 11 Don't know 751 12 Other 214 Can you please tell me which of the following would you trust most with your SAVINGS? 6150 0 1 Bank 2002 2 Umurenge SACCO 3043 3 157 4 Savings group like a VSLA, tontine, ikibina 545 5 Don't know 403 Can you please tell me which of the following would you trust most to borrow from? 6150 0 1 Bank 1881 2 Umurenge SACCO 3075 3 166 4 Savings group like a VSLA, tontine, ikibina 570 5 Money lender in the community 110 6 Don't know 348 Which of the following would you trust most if you are to send money to someone? 6150 0 1 Bank transfer/Payment into a bank account 1605 2 Post Office 398 3 Western Union/ Money gram 155 4 Mobile money 2345 5 Bus or Taxi 1075 6 Friend/family 572 7 Don't know 0 Savings definition 6150 0 1 Putting money in a special place/account to keep it safe 2474 2 1773 3 Putting money away so that the total amount increases over t 721 4 Putting money aside for you to use later for a specific purp 1182 You go without certain things to be able to save 6150 0 1 True 5236 2 False 914 You believe you have to save for difficult times even if your income is low 6150 0 1 True 5804 2 False 346 You believe it is better to save where your money is safe than to take risks to make more 6150 0 1 True 6000 2 False 150 You save or put money aside when you can 6150 0 1 True 5270 2 False 880 You save or put money away for a specific purpose and you do not use it for any other purpose 6150 0 1 True 4202 2 False 1948 You save or put money away for a specific purpose but you end up using it before you used it for that purpose 6150 0 1 True 4206 2 False 1944 Do you have savings at a bank? 6150 0 1 Yes 873 2 No 5277 With which institution(s)? 873 5277 1 BK 32 2 BRD 4 3 FINABANK 4 4 COGEBANQUE 10 5 BCR 4 6 ECOBANK 2 7 UOB 35 8 ACCESS BANK 3 9 BPR 748 10 KCB 10 11 ZIGAMA CSS 8 12 UNGUKA BANK 5 13 AGASEKE BANK 3 14 EQUITY BANK 5 15 OTHER 0 Sysmiss 5277 With which institution(s)? 873 5277 1 BK 7 2 BRD 3 3 FINABANK 3 4 COGEBANQUE 4 5 BCR 3 6 ECOBANK 3 7 UOB 2 8 ACCESS BANK 1 9 BPR 11 10 KCB 5 11 ZIGAMA CSS 3 12 UNGUKA BANK 4 13 AGASEKE BANK 1 14 EQUITY BANK 2 15 OTHER 0 99 ND 821 Sysmiss 5277 What was the main reason for you to choose to keep your savings in the bank? 873 5277 1 Convenient 197 2 Easy/Simple to use 157 3 Safe 252 4 Good interest 28 5 Quick access to savings 151 6 Other 88 Sysmiss 5277 Does this way of saving meet your saving needs? Bank 873 5277 1 Yes 751 2 No 122 Sysmiss 5277 If not, what is the main reason for it not meeting your need? Bank 122 6028 1 Can't get to my savings when I need it 25 2 Too far to access conveniently/affordably 22 3 Interest not high 11 4 Other 64 Sysmiss 6028 Usage: Past month Bank savings account 873 5277 1 Yes 501 2 No 372 Sysmiss 5277 Usage: Past 6 months Bank savings account 372 5778 1 Yes 221 2 No 151 Sysmiss 5778 Do you have savings at a MFI or a non-umurenge SACCO? 6150 0 1 Yes 176 2 No 5974 With which institution(s)? 176 5974 1 99 30.443 28.654 With which institution(s)? 176 5974 1 3 6 1 9 1 16 1 18 1 36 1 46 1 66 4 99 163 Sysmiss 5974 What was the main reason for you to choose to keep your savings at a MFI or a non-umurenge SACCO? 176 5974 1 Convenient 43 2 Easy/Simple to use 46 3 Safe 28 4 Good interest 6 5 Quick access to savings 32 6 Other 21 Sysmiss 5974 Does this way of saving meet your saving needs? MFI or non-umurenge SACCO 176 5974 1 Yes 155 2 No 21 Sysmiss 5974 If not, what is the main reason for it not meeting your need? MFI or non-umurenge SACCO 21 6129 1 Can't get to my savings when I need it 5 2 Too far to access conveniently/affordably 3 3 Interest not high 5 4 Other 8 Sysmiss 6129 Usage: Past month MFI or non-umurenge SACCO savings account 176 5974 1 Yes 117 2 No 59 Sysmiss 5974 Usage: Past 6 months MFI or non-umurenge SACCO savings account 59 6091 1 Yes 41 2 No 18 Sysmiss 6091 Do you have savings at an umurenge SACCO? 6150 0 1 Yes 1169 2 No 4981 What was the main reason for you to choose to keep your savings at an umurenge SACCO? 1169 4981 1 Convenient 185 2 Easy/Simple to use 379 3 Safe 185 4 Good interest 37 5 Quick access to savings 238 6 Other 145 Sysmiss 4981 Does this way of saving meet your saving needs? Umurenge SACCO 1169 4981 1 Yes 1098 2 No 71 Sysmiss 4981 If not, what is the main reason for it not meeting your need? Umurenge SACCO savings account 71 6079 1 Can't get to my savings when I need it 14 2 Too far to access conveniently/affordably 24 3 Interest not high 12 4 Other 21 Sysmiss 6079 Usage: Past month Umurenge SACCO savings account 1169 4981 1 Yes 619 2 No 550 Sysmiss 4981 Usage: Past 6 months Umurenge SACCO savings account 550 5600 1 Yes 371 2 No 179 Sysmiss 5600 Do you have savings in the capital or stock market (incl. Treasury bonds)? 6150 0 1 Yes 13 2 No 6137 What was the main reason for you to choose to keep your savings in the capital or stock market? 13 6137 1 Convenient 2 2 Easy/Simple to use 3 3 Safe 1 4 Good interest 4 5 Quick access to savings 1 6 Other 2 Sysmiss 6137 Does this way of saving meet your saving needs? Capital or stock market 13 6137 1 Yes 10 2 No 3 Sysmiss 6137 If not, what is the main reason for it not meeting your need? Capital or stock market 3 6147 1 Can't get to my savings when I need it 0 2 Too far to access conveniently/affordably 1 3 Interest not high 1 4 Other 1 Sysmiss 6147 Usage: Past month Capital or stock market 13 6137 1 Yes 12 2 No 1 Sysmiss 6137 Usage: Past 6 months Capital or stock market 1 6149 1 Yes 0 2 No 1 Sysmiss 6149 Do you have a pension fund or provident fund (incl. Caisse Sociale du Rwanda)? 6150 0 1 Yes 132 2 No 6018 What was the main reason for you to get a pension fund or provident fund? 132 6018 1 Convenient 26 2 Easy/Simple to use 25 3 Safe 5 4 Good interest 14 5 Quick access to savings 31 6 Other 31 Sysmiss 6018 132 6018 1 Yes 122 2 No 10 Sysmiss 6018 If not, what is the main reason for it not meeting your need? Pension or provident fund 10 6140 1 Can't get to my savings when I need it 2 2 Too far to access conveniently/affordably 2 3 Interest not high 2 4 Other 4 Sysmiss 6140 Usage: Past month Pension or provident fund 132 6018 1 Yes 109 2 No 23 Sysmiss 6018 Usage: Past 6 months Pension or provident fund 23 6127 1 Yes 15 2 No 8 Sysmiss 6127 Do you have savings with a group such as a co-op, VSLA, tontine, ikibina? 6150 0 1 Yes 2065 2 No 4085 What was the main reason for you to choose to keep your savings in a group? 2065 4085 1 Convenient 329 2 Easy/Simple to use 667 3 Safe 63 4 Good interest 236 5 Quick access to savings 637 6 Other 133 Sysmiss 4085 2065 4085 1 Yes 1950 2 No 115 Sysmiss 4085 If not, what is the main reason for it not meeting your need? Group 115 6035 1 Can't get to my savings when I need it 27 2 Too far to access conveniently/affordably 9 3 Interest not high 37 4 Other 42 Sysmiss 6035 Usage: Past month Group 2065 4085 1 Yes 1821 2 No 244 Sysmiss 4085 Usage: Past 6 months Group 246 5904 1 Yes 187 2 No 59 Sysmiss 5904 Do you have savings with someone in community who keeps it safe for you? 6150 0 1 Yes 96 2 No 6054 What was the main reason for you to choose to keep your savings with someone in community? 96 6054 1 Convenient 15 2 Easy/Simple to use 30 3 Safe 24 4 Good interest 4 5 Quick access to savings 18 6 Other 5 Sysmiss 6054 Does this way of saving meet your saving needs? Someone in community 96 6054 1 Yes 81 2 No 15 Sysmiss 6054 If not, what is the main reason for it not meeting your need? Someone in community 15 6135 1 Can't get to my savings when I need it 2 2 Too far to access conveniently/affordably 1 3 Interest not high 5 4 Other 7 Sysmiss 6135 Usage: Past month Someone in the community 96 6054 1 Yes 55 2 No 41 Sysmiss 6054 Usage: Past 6 months Someone in the community 41 6109 1 Yes 28 2 No 13 Sysmiss 6109 Do you have savings with someone in household or family who keeps it safe for you? 6150 0 1 Yes 491 2 No 5659 What was the main reason for you to choose to keep your savings with someone in household or family? 491 5659 1 Convenient 78 2 Easy/Simple to use 164 3 Safe 109 4 Good interest 13 5 Quick access to savings 100 6 Other 27 Sysmiss 5659 Does this way of saving meet your saving needs? Household or family member 491 5659 1 Yes 444 2 No 47 Sysmiss 5659 If not, what is the main reason for it not meeting your need? Household or family member 47 6103 1 Can't get to my savings when I need it 12 2 Too far to access conveniently/affordably 5 3 Interest not high 7 4 Other 23 Sysmiss 6103 Usage: Past month Someone in household or family 491 5659 1 Yes 318 2 No 173 Sysmiss 5659 Usage: Past 6 months Someone in the household or family 175 5975 1 Yes 126 2 No 49 Sysmiss 5975 Do you buy things to sell later as a form of savings? 6150 0 1 Yes 1348 2 No 4802 What was the main reason for you to choose to save in this way? 1348 4802 1 Convenient 188 2 Easy/Simple to use 226 3 Safe 46 4 Good interest 626 5 Quick access to savings 245 6 Other 17 Sysmiss 4802 Does this way of saving meet your saving needs? Buy assets 1348 4802 1 Yes 1297 2 No 51 Sysmiss 4802 If not, what is the main reason for it not meeting your need? Buy assets 51 6099 1 Can't get to my savings when I need it 9 2 Too far to access conveniently/affordably 6 3 Interest not high 15 4 Other 21 Sysmiss 6099 Usage: Past month Buying assets 1348 4802 1 Yes 618 2 No 730 Sysmiss 4802 Usage: Past 6 months Buying assets 731 5419 1 Yes 539 2 No 192 Sysmiss 5419 Do you have savings in a secret place at home? 6150 0 1 Yes 1272 2 No 4878 What was the main reason for you to choose to keep your savings at home? 1272 4878 1 Convenient 174 2 Easy/Simple to use 622 3 Safe 132 4 Good interest 27 5 Quick access to savings 239 6 Other 78 Sysmiss 4878 Does this way of saving meet your saving needs? Home 1272 4878 1 Yes 1107 2 No 165 Sysmiss 4878 If not, what is the main reason for it not meeting your need? Home 165 5985 1 Can't get to my savings when I need it 20 2 Too far to access conveniently/affordably 22 3 Interest not high 24 4 Other 99 Sysmiss 5985 Usage: Past month Home savings 1272 4878 1 Yes 907 2 No 365 Sysmiss 4878 Usage: Past 6 months Home savings 365 5785 1 Yes 269 2 No 96 Sysmiss 5785 Do you have any other savings mechanism not mentioned? 6150 0 1 Yes 60 2 No 6090 What was the main reason for you to choose to keep your savings in this way? 60 6090 1 Convenient 10 2 Easy/Simple to use 29 3 Safe 6 4 Good interest 1 5 Quick access to savings 10 6 Other 4 Sysmiss 6090 Does this way of saving meet your saving needs? Other 60 6090 1 Yes 52 2 No 8 Sysmiss 6090 If not, what is the main reason for it not meeting your need? Other 8 6142 1 Can't get to my savings when I need it 1 2 Too far to access conveniently/affordably 1 3 Interest not high 0 4 Other 6 Sysmiss 6142 Usage: Past month Other 60 6090 1 Yes 44 2 No 16 Sysmiss 6090 Usage: Past 6 months Other 16 6134 1 Yes 12 2 No 4 Sysmiss 6134 What are you mainly saving or putting money away for? 4153 1997 1 Living expenses for when times are hard 2613 2 Medical expenses either planned or emergency 201 3 An emergency other than medical 101 4 Marriage / wedding expenses 15 5 Funeral expenses 11 6 Education or school fees 313 7 Farming expenses (inputs) 59 8 Buying livestock 198 9 Buying equipment/appliances 25 10 Providing something for my family after I die 133 11 Building/Buying a house/land 206 12 84 13 Improving my dwelling 49 14 Other 145 Sysmiss 1997 You avoid borrowing money if you can 6150 0 1 Agree 4165 2 Disagree 1985 You prefer to save money for something rather than borrow to pay for it 6150 0 1 Agree 5303 2 Disagree 847 Without borrowing money you would not be able to pay for your children’s education 6150 0 1 Agree 2500 2 Disagree 3650 If you borrow money it is okay to pay it a bit later than agreed 6150 0 1 Agree 1808 2 Disagree 4342 It is okay to borrow money to pay back outstanding debt 6150 0 1 Agree 2529 2 Disagree 3621 Being able to borrow money when you need it is more important than the amount of money you have to pay back 6150 0 1 Agree 3821 2 Disagree 2329 It is better to remain with debt than to sell something to pay it 6150 0 1 Agree 868 2 Disagree 5282 It is better to keep savings than to use it to pay a debt 6150 0 1 Agree 2134 2 Disagree 4016 You would be ashamed/embarrassed to admit that you need to borrow money to meet your needs 6150 0 1 Agree 1665 2 Disagree 4485 You would be ashamed/embarrassed if you were not able to pay back money that you owe 6150 0 1 Agree 4538 2 Disagree 1612 Did you borrow money from anybody or any institution during the past 12 months? 6150 0 1 Yes 2324 2 No 3826 Have you, in the past 12 months, been paying back money that you borrowed from anybody or any institution? 6150 0 1 Yes 2085 2 No 4065 During the past 12 months, did you get any goods/services in advance and had to for pay it later? 6150 0 1 Yes 1712 2 No 4438 Non-borrowers: What is the main reason why you have not borrowed money? 3826 2324 1 Didn't need to borrow money 1030 2 Don't want to borrow money/ Don't believe in borrowing money 171 3 Worried would not be able to pay back the money 1739 4 Interest charged on borrowed money is too high 26 5 Do not know where to borrow money from 62 6 Do not know how to apply for a loan 69 7 Do not have security or collateral 265 8 Do not meet the requirements of financial institutions 129 9 Not allowed to borrow money by spouse, by family or other 11 10 Tried to borrow, but have been refused 34 11 Other 290 Sysmiss 2324 Borrowed money from a bank 6150 0 1 Yes 124 2 No 6026 With which institution(s)? 124 6026 1 BK 10 2 BRD 1 3 FINABANK 1 4 COGEBANQUE 3 5 BCR 1 6 ECOBANK 0 7 UOB 32 8 ACCESS BANK 1 9 BPR 73 10 KCB 0 11 ZIGAMA CSS 2 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 Sysmiss 6026 With which institution(s)? 124 6026 1 BK 0 2 BRD 1 3 FINABANK 0 4 COGEBANQUE 0 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 123 Sysmiss 6026 6150 0 1 Yes 46 2 No 6104 With which institution(s)? 46 6104 1 1 2 2 3 1 7 1 9 14 16 1 19 1 22 2 25 1 29 1 36 3 39 7 40 1 45 1 48 1 52 1 63 1 64 2 67 1 69 1 70 1 99 1 Sysmiss 6104 With which institution(s)? 46 6104 2 4 22 2 36 1 99 39 Sysmiss 6104 Borrowed from an umurenge SACCO 6150 0 1 Yes 121 2 No 6029 Got a loan from Government (Ubudehe credit scheme/VUP loan) 6150 0 1 Yes 68 2 No 6082 Borrowed money from your employer 6150 0 1 Yes 182 2 No 5968 Borrowed money from a group such as a co-op, VLSA, tontine, ikibina 6150 0 1 Yes 1082 2 No 5068 Borrowed money from a money lender in the community 6150 0 1 Yes 139 2 No 6011 Borrowed money or got goods in advance from an agricultural buyer or a farmers organisation 6150 0 1 Yes 186 2 No 5964 Borrowed money from a church or other community based organisation 6150 0 1 Yes 160 2 No 5990 Borrowed money from family/friends that you had to pay back 6150 0 1 Yes 1712 2 No 4438 Got money from family/friends that you did not have to pay back 6150 0 1 Yes 479 2 No 5671 Got goods in advance from a shop/store and had to pay back later 6150 0 1 Yes 1677 2 No 4473 Borrowed from other sources 6150 0 1 Yes 36 2 No 6114 More than one lender: Who did you borrow the most money from? 3195 2955 1 Borrowed money from a bank 84 2 26 3 Borrowed from an umurenge SACCO 77 4 Got a loan from Government (Ubudehe credit scheme/VUP loan) 42 5 Borrowed money from your employer 59 6 Borrowed money from a group such as a co-op, VLSA, tontine, 796 7 Borrowed money from a money lender in the community 57 8 Borrowed money/got goods in advance from an agricultural buy 41 9 Borrowed money from a church or other community based organi 65 10 Borrowed money from family/friends that you had to pay back 1107 11 Got money from family/friends that you did not have to pay b 236 12 Got goods in advance from a shop/store and had to pay back l 593 13 Borrowed money from a sources not mentioned, specify 12 Sysmiss 2955 Borrowers: What did you borrow the most money for? 3213 2937 1 Medical expenses/medical emergencies 316 2 An emergency other than medical 248 3 Funeral expenses 26 4 Education or school fees 270 5 Living expenses when you did not have money 1258 6 Farming expenses such as seeds, fertiliser 170 7 Buying livestock 168 8 Buying farming equipment/implements 123 9 Paying off other debt 54 10 Buying land/dwelling 151 11 Building/improving dwelling 183 12 Other 246 Sysmiss 2937 What is the most important thing you take into account when you choose who to borrow from when you want to borrow money? 6150 0 1 Lowest interest rates 1432 2 Repayment terms that work for me 1118 3 Quickest access to money 1113 4 Ability to meet lender/loan requirements 221 5 Simple application process; understandable documentation 226 6 Trust 1183 7 Don't have a choice between lenders 151 8 Don't know 631 9 Other 75 In the past 6 months, have you been refused a loan by a bank or SACCO or MFI? 6150 0 1 Yes 76 2 No 4496 3 Did not apply 1578 Those refused a loan:What was the main reason given for the refusal? 76 6074 1 Did not have a down payment 7 2 Did not have a payslip 15 3 Did not have security/collateral 18 4 Income was too low 10 5 Had too many other debts 1 6 Loan officer asked for a bribe and I didn't pay the bribe 2 7 Kuyitanga 0 8 Don't know 8 9 Other 15 Sysmiss 6074 Experienced: Increase in household size 6150 0 1 Yes 719 2 No 5431 Those experienced: How did you cope financially? Increase in household size 719 5431 1 Used savings 165 2 Borrowed money 202 3 Sold something to get money 27 4 Cut down expense 193 5 Claimed insurance/policy pay-out 2 6 Other 130 Sysmiss 5431 Experienced: A household member who used to bring in cash for the household does not bring in cash anymore 6150 0 1 Yes 628 2 No 5522 Those experienced: How did you cope financially? A household member does not bring in cash anymore 628 5522 1 Used savings 103 2 Borrowed money 112 3 Sold something to get money 38 4 Cut down expense 141 5 Claimed insurance/policy pay-out 4 6 Other 230 Sysmiss 5522 Experienced: Having to pay unforeseen expenses such as medical/funeral/school fees 6150 0 1 Yes 2061 2 No 4089 Those experienced: How did you cope financially? Having to pay unforeseen expenses such as medical/funeral/school fees 2061 4089 1 Used savings 369 2 Borrowed money 813 3 Sold something to get money 259 4 Cut down expense 233 5 Claimed insurance/policy pay-out 50 6 Other 337 Sysmiss 4089 Experienced: Unexpected rise in prices of goods, fuel 6150 0 1 Yes 2812 2 No 3338 Those experienced: How did you cope financially? Unexpected rise in prices of goods, fuel 2812 3338 1 Used savings 397 2 Borrowed money 409 3 Sold something to get money 193 4 Cut down expense 1096 5 Claimed insurance/policy pay-out 6 6 Other 711 Sysmiss 3338 Experienced: Running out of money to meet household expenses 6150 0 1 Yes 4481 2 No 1669 Those experienced: How did you cope financially? Running out of money to meet household expenses 4481 1669 1 Used savings 466 2 Borrowed money 1468 3 Sold something to get money 380 4 Cut down expense 862 5 Claimed insurance/policy pay-out 24 6 Other 1281 Sysmiss 1669 Experienced: Harvest/livestock loss 6150 0 1 Yes 2849 2 No 3301 Those experienced: How did you cope financially? Harvest/livestock loss 2849 3301 1 Used savings 305 2 Borrowed money 494 3 Sold something to get money 194 4 Cut down expense 746 5 Claimed insurance/policy pay-out 12 6 Other 1098 Sysmiss 3301 Experienced: Loss of an asset/dwelling/land 6150 0 1 Yes 482 2 No 5668 Those experienced: How did you cope financially? Loss of an asset/dwelling/land 482 5668 1 Used savings 38 2 Borrowed money 90 3 Sold something to get money 37 4 Cut down expense 57 5 Claimed insurance/policy pay-out 4 6 Other 256 Sysmiss 5668 Insurance is not a way of saving because they never pay out 6150 0 1 Agree 1047 2 Disagree 1746 3 Don't know 3357 Having insurance is a good way of protecting yourself for when things go wrong 6150 0 1 Agree 3292 2 Disagree 412 3 Don't know 2446 It is better to have savings to fall back on when you suffer a loss rather than to have insurance 6150 0 1 Agree 3494 2 Disagree 782 3 Don't know 1874 You understand how insurance works 6150 0 1 Agree 1353 2 Disagree 1147 3 Don't know 3650 You are responsible to make arrangements for the costs associated with your funeral before you die 6150 0 1 Agree 2134 2 Disagree 4016 Medical insurance (including RAMA, MMI) 6150 0 1 Yes 194 2 No 5956 If not self covered: Are you covered by someone else’s insurance? Medical insurance 6150 0 1 Yes 123 2 No 6017 3 Don't know 10 Mutuelle de Sante (MdS) 6150 0 1 Yes 4337 2 No 1813 If not self covered: Are you covered by someone else’s insurance? Mutuelle de Sante 6150 0 1 Yes 52 2 No 6094 3 Don't know 4 Third party insurance 6150 0 1 Yes 32 2 No 6118 Household insurance 6150 0 1 Yes 14 2 No 6136 Life insurance 6150 0 1 Yes 51 2 No 6099 Credit life (insurance linked to a loan) 6150 0 1 Yes 53 2 No 6097 Caisse Sociale du Rwanda/Rwanda Social Security Board 6150 0 1 Yes 68 2 No 6082 Other insurance 6150 0 1 Yes 22 2 No 6128 Uninsured: Main reason for not having insurance 6009 141 1 Has never heard about it / Don't know about insurance 1269 2 Does not know how it works 1753 3 Does not know how to get it/where to get it 445 4 Does not trust it or the companies 44 5 Protects self in other ways - don't need it 116 6 Does not want to think about bad things happening 21 7 Cannot afford it 1359 8 They don't want to pay out when you claim 25 9 Other 977 Sysmiss 141 Who will pay the costs associated with your funeral? 6150 0 1 I have to make provision before I die/Have made provision 436 2 My family 5035 3 The community 264 4 Don't know 343 5 Other 72 In the past 6 months, have you sent money to someone in a different place within the country? 6150 0 1 Yes 481 2 No 5669 In the past 6 months, have you sent money to someone outside the country? 6150 0 1 Yes 49 2 No 6101 Who did you send money to? Spouse 504 5646 1 Yes 27 2 No 477 Sysmiss 5646 Where were you sending the money? Spouse 27 6123 1 Rural village 16 2 Urban town 8 3 Outside of country 3 Sysmiss 6123 How often do you send money? Spouse 27 6123 1 Weekly 1 2 Fortnightly 0 3 Monthly 5 4 Seasonally 2 5 Once a year 6 6 Irregularly/occasionally 13 Sysmiss 6123 How do you mostly send money? Spouse 27 6123 1 Bank transfer/Pay into bank account 4 2 Post Office/ Western Union/ Money gram 2 3 Cell phone top-up 3 4 Mobile money 10 5 Bus or Taxi 1 6 Friends or family 7 7 Other 0 Sysmiss 6123 How much did you send the last time? Spouse 27 6123 500 1 2000 2 5000 3 7000 2 10000 7 10500 1 15000 2 20000 1 35000 2 40000 3 60000 1 80000 1 300000 1 Sysmiss 6123 Who did you send money to? Child 504 5646 1 Yes 138 2 No 366 Sysmiss 5646 Where were you sending the money? Child 138 6012 1 Rural village 92 2 Urban town 32 3 Outside of country 14 Sysmiss 6012 How often do you send money? Child 138 6012 1 Weekly 2 2 Fortnightly 4 3 Monthly 16 4 Seasonally 60 5 Once a year 26 6 Irregularly/occasionally 30 Sysmiss 6012 How do you mostly send money? Child 138 6012 1 Bank transfer/Pay into bank account 13 2 Post Office/ Western Union/ Money gram 6 3 Cell phone top-up 11 4 Mobile money 43 5 Bus or Taxi 19 6 Friends or family 44 7 Other 2 Sysmiss 6012 How much did you send the last time? Child 138 6012 1000 8000000 166418.841 861056.156 Who did you send money to? Parent 504 5646 1 Yes 56 2 No 448 Sysmiss 5646 Where were you sending the money? Parent 56 6094 1 Rural village 44 2 Urban town 8 3 Outside of country 4 Sysmiss 6094 How often do you send money? Parent 56 6094 1 Weekly 2 2 Fortnightly 0 3 Monthly 9 4 Seasonally 10 5 Once a year 10 6 Irregularly/occasionally 25 Sysmiss 6094 How do you mostly send money? Parent 56 6094 1 Bank transfer/Pay into bank account 3 2 Post Office/ Western Union/ Money gram 2 3 Cell phone top-up 2 4 Mobile money 21 5 Bus or Taxi 7 6 Friends or family 19 7 Other 2 Sysmiss 6094 How much did you send the last time? Parent 56 6094 1000 3 2000 2 3000 4 4000 2 5000 5 7000 1 8000 1 10000 10 14000 1 15000 5 17000 1 20000 12 25000 1 35000 1 40000 1 50000 3 80000 1 100000 1 400000 1 Sysmiss 6094 Who did you send money to? Other family member 504 5646 1 Yes 193 2 No 311 Sysmiss 5646 Where were you sending the money? Other family member 193 5957 1 Rural village 135 2 Urban town 49 3 Outside of country 9 Sysmiss 5957 How often do you send money? Other family member 193 5957 1 Weekly 1 2 Fortnightly 2 3 Monthly 8 4 Seasonally 35 5 Once a year 50 6 Irregularly/occasionally 97 Sysmiss 5957 How do you mostly send money? Other family member 193 5957 1 Bank transfer/Pay into bank account 20 2 Post Office/ Western Union/ Money gram 7 3 Cell phone top-up 16 4 Mobile money 83 5 Bus or Taxi 15 6 Friends or family 47 7 Other 5 Sysmiss 5957 How much did you send the last time? Other family member 193 5957 500 5000000 86697.409 484989.084 Who did you send money to? Friend 504 5646 1 Yes 76 2 No 428 Sysmiss 5646 Where were you sending the money? Friend 76 6074 1 Rural village 57 2 Urban town 18 3 Outside of country 1 Sysmiss 6074 How often do you send money? Friend 76 6074 1 Weekly 1 2 Fortnightly 1 3 Monthly 5 4 Seasonally 9 5 Once a year 17 6 Irregularly/occasionally 43 Sysmiss 6074 How do you mostly send money? Friend 76 6074 1 Bank transfer/Pay into bank account 9 2 Post Office/ Western Union/ Money gram 0 3 Cell phone top-up 6 4 Mobile money 34 5 Bus or Taxi 2 6 Friends or family 22 7 Other 3 Sysmiss 6074 How much did you send the last time? Friend 76 6074 500 500000 27434.211 63078.541 Who did you send money to? Supplier or business 504 5646 1 Yes 18 2 No 486 Sysmiss 5646 Where were you sending the money? Supplier or business 18 6132 1 Rural village 13 2 Urban town 4 3 Outside of country 1 Sysmiss 6132 How often do you send money? Supplier or business 18 6132 1 Weekly 2 2 Fortnightly 2 3 Monthly 1 4 Seasonally 3 5 Once a year 2 6 Irregularly/occasionally 8 Sysmiss 6132 How do you mostly send money? Supplier or business 18 6132 1 Bank transfer/Pay into bank account 3 2 Post Office/ Western Union/ Money gram 0 3 Cell phone top-up 1 4 Mobile money 5 5 Bus or Taxi 2 6 Friends or family 7 7 Other 0 Sysmiss 6132 How much did you send the last time? Supplier or business 18 6132 500 4 2000 1 3000 1 10000 3 13000 1 20000 1 47000 1 120000 1 150000 1 192000 1 300000 1 500000 1 5000000 1 Sysmiss 6132 Who did you send money to? Someone borrowed from 504 5646 1 Yes 4 2 No 500 Sysmiss 5646 Where were you sending the money? Someone borrowed from 4 6146 1 Rural village 3 2 Urban town 1 3 Outside of country 0 Sysmiss 6146 How often do you send money? Someone borrowed from 4 6146 1 Weekly 0 2 Fortnightly 0 3 Monthly 1 4 Seasonally 0 5 Once a year 0 6 Irregularly/occasionally 3 Sysmiss 6146 How do you mostly send money? Someone borrowed from 4 6146 1 Bank transfer/Pay into bank account 0 2 Post Office/ Western Union/ Money gram 0 3 Cell phone top-up 0 4 Mobile money 3 5 Bus or Taxi 0 6 Friends or family 1 7 Other 0 Sysmiss 6146 How much did you send the last time? Someone borrowed from 4 6146 10000 1 15000 1 40000 1 380000 1 Sysmiss 6146 Who did you send money to? School, college, university 504 5646 1 Yes 8 2 No 496 Sysmiss 5646 Where were you sending the money? School, college, university 8 6142 1 Rural village 7 2 Urban town 0 3 Outside of country 1 Sysmiss 6142 How often do you send money? School, college, university 8 6142 1 Weekly 0 2 Fortnightly 0 3 Monthly 2 4 Seasonally 3 5 Once a year 2 6 Irregularly/occasionally 1 Sysmiss 6142 How do you mostly send money? School, college, university 8 6142 1 Bank transfer/Pay into bank account 4 2 Post Office/ Western Union/ Money gram 0 3 Cell phone top-up 0 4 Mobile money 2 5 Bus or Taxi 0 6 Friends or family 2 7 Other 0 Sysmiss 6142 How much did you send the last time? School, college, university 8 6142 20000 1 25000 1 37000 1 40000 2 55000 1 130000 1 1600000 1 Sysmiss 6142 Who did you send money to? Other 504 5646 1 Yes 8 2 No 496 Sysmiss 5646 8 6142 1 Rural village 6 2 Urban town 0 3 Outside of country 2 Sysmiss 6142 How often do you send money? Other 8 6142 1 Weekly 1 2 Fortnightly 0 3 Monthly 4 4 Seasonally 1 5 Once a year 0 6 Irregularly/occasionally 2 Sysmiss 6142 How do you mostly send money? Other 8 6142 1 Bank transfer/Pay into bank account 3 2 Post Office/ Western Union/ Money gram 1 3 Cell phone top-up 0 4 Mobile money 2 5 Bus or Taxi 0 6 Friends or family 1 7 Other 1 Sysmiss 6142 How much did you send the last time? Other 8 6142 1500 1 2000 1 6000 1 25000 1 30000 1 50000 1 100000 1 1000000 1 Sysmiss 6142 In the past 6 months, have you received money from someone in a different place within the country? 6150 0 1 Yes 422 2 No 5728 In the past 6 months, have you received money from someone outside the country? 6150 0 1 Yes 79 2 No 6071 From whom did you receive money? Spouse 470 5680 1 Yes 56 2 No 414 Sysmiss 5680 Where did they send the money from? Spouse 56 6094 1 Rural village 22 2 Urban town 27 3 Outside of country 7 Sysmiss 6094 How often did they send you money? Spouse 56 6094 1 Weekly 5 2 Fortnightly 13 3 Monthly 15 4 Seasonally 1 5 Once a year 2 6 Irregularly/occasionally 20 Sysmiss 6094 How do they mostly send the money to you? Spouse 56 6094 1 Bank transfer/Pay into bank account 7 2 Post Office/ Western Union/ Money gram 11 3 Cell phone top-up 6 4 Mobile money 16 5 Bus or Taxi 5 6 Friends or family 9 7 Other 2 Sysmiss 6094 What did you use most of the money they sent you for? Spouse 56 6094 1 Bought food/clothes 32 2 Paid school fees 9 3 Paid medical fees/medicine 3 4 Paid funeral expenses 0 5 Other 12 Sysmiss 6094 From whom did you receive money? Child 470 5680 1 Yes 72 2 No 398 Sysmiss 5680 Where did they send the money from? Child 72 6078 1 Rural village 27 2 Urban town 33 3 Outside of country 12 Sysmiss 6078 How often did they send you money? Child 72 6078 1 Weekly 1 2 Fortnightly 3 3 Monthly 10 4 Seasonally 9 5 Once a year 13 6 Irregularly/occasionally 36 Sysmiss 6078 How do they mostly send the money to you? Child 72 6078 1 Bank transfer/Pay into bank account 5 2 Post Office/ Western Union/ Money gram 9 3 Cell phone top-up 2 4 Mobile money 15 5 Bus or Taxi 5 6 Friends or family 32 7 Other 4 Sysmiss 6078 What did you use most of the money they sent you for? Child 72 6078 1 Bought food/clothes 42 2 Paid school fees 7 3 Paid medical fees/medicine 8 4 Paid funeral expenses 0 5 Other 15 Sysmiss 6078 From whom did you receive money? Parent 470 5680 1 Yes 16 2 No 454 Sysmiss 5680 Where did they send the money from? Parent 16 6134 1 Rural village 13 2 Urban town 2 3 Outside of country 1 Sysmiss 6134 How often did they send you money? Parent 16 6134 1 Weekly 1 2 Fortnightly 0 3 Monthly 1 4 Seasonally 0 5 Once a year 2 6 Irregularly/occasionally 12 Sysmiss 6134 How do they mostly send the money to you? Parent 16 6134 1 Bank transfer/Pay into bank account 2 2 Post Office/ Western Union/ Money gram 1 3 Cell phone top-up 1 4 Mobile money 6 5 Bus or Taxi 1 6 Friends or family 5 7 Other 0 Sysmiss 6134 What did you use most of the money they sent you for? Parent 16 6134 1 Bought food/clothes 8 2 Paid school fees 2 3 Paid medical fees/medicine 3 4 Paid funeral expenses 0 5 Other 3 Sysmiss 6134 From whom did you receive money? Other family member 470 5680 1 Yes 183 2 No 287 Sysmiss 5680 Where did they send the money from? Other family member 183 5967 1 Rural village 88 2 Urban town 62 3 Outside of country 33 Sysmiss 5967 How often did they send you money? Other family member 183 5967 1 Weekly 2 2 Fortnightly 3 3 Monthly 14 4 Seasonally 18 5 Once a year 36 6 Irregularly/occasionally 110 Sysmiss 5967 How do they mostly send the money to you? Other family member 183 5967 1 Bank transfer/Pay into bank account 25 2 Post Office/ Western Union/ Money gram 20 3 Cell phone top-up 12 4 Mobile money 48 5 Bus or Taxi 13 6 Friends or family 58 7 Other 7 Sysmiss 5967 What did you use most of the money they sent you for? Other family member 183 5967 1 Bought food/clothes 78 2 Paid school fees 39 3 Paid medical fees/medicine 19 4 Paid funeral expenses 2 5 Other 45 Sysmiss 5967 From whom did you receive money? Friend 470 5680 1 Yes 112 2 No 358 Sysmiss 5680 Where did they send the money from? Friend 112 6038 1 Rural village 61 2 Urban town 38 3 Outside of country 13 Sysmiss 6038 How often did they send you money? Friend 112 6038 1 Weekly 4 2 Fortnightly 2 3 Monthly 6 4 Seasonally 3 5 Once a year 13 6 Irregularly/occasionally 84 Sysmiss 6038 How do they mostly send the money to you? Friend 112 6038 1 Bank transfer/Pay into bank account 12 2 Post Office/ Western Union/ Money gram 9 3 Cell phone top-up 11 4 Mobile money 37 5 Bus or Taxi 6 6 Friends or family 30 7 Other 7 Sysmiss 6038 What did you use most of the money they sent you for? Friend 112 6038 1 Bought food/clothes 46 2 Paid school fees 9 3 Paid medical fees/medicine 11 4 Paid funeral expenses 0 5 Other 46 Sysmiss 6038 From whom did you receive money? Customer 470 5680 1 Yes 9 2 No 461 Sysmiss 5680 Where did they send the money from? Customer 9 6141 1 Rural village 5 2 Urban town 3 3 Outside of country 1 Sysmiss 6141 How often did they send you money? Customer 9 6141 1 Weekly 1 2 Fortnightly 1 3 Monthly 1 4 Seasonally 1 5 Once a year 0 6 Irregularly/occasionally 5 Sysmiss 6141 How do they mostly send the money to you? Customer 9 6141 1 Bank transfer/Pay into bank account 5 2 Post Office/ Western Union/ Money gram 0 3 Cell phone top-up 1 4 Mobile money 1 5 Bus or Taxi 1 6 Friends or family 1 7 Other 0 Sysmiss 6141 What did you use most of the money they sent you for? Customer 9 6141 1 Bought food/clothes 3 2 Paid school fees 1 3 Paid medical fees/medicine 0 4 Paid funeral expenses 0 5 Other 5 Sysmiss 6141 From whom did you receive money? Someone you lent money to 470 5680 1 Yes 11 2 No 459 Sysmiss 5680 Where did they send the money from? Someone you lent money to 11 6139 1 Rural village 8 2 Urban town 3 3 Outside of country 0 Sysmiss 6139 How often did they send you money? Someone you lent money to 11 6139 1 Weekly 1 2 Fortnightly 0 3 Monthly 1 4 Seasonally 2 5 Once a year 0 6 Irregularly/occasionally 7 Sysmiss 6139 How do they mostly send the money to you? Someone you lent money to 11 6139 1 Bank transfer/Pay into bank account 3 2 Post Office/ Western Union/ Money gram 0 3 Cell phone top-up 1 4 Mobile money 3 5 Bus or Taxi 1 6 Friends or family 3 7 Other 0 Sysmiss 6139 What did you use most of the money they sent you for? Someone you lent money to 11 6139 1 Bought food/clothes 5 2 Paid school fees 1 3 Paid medical fees/medicine 0 4 Paid funeral expenses 0 5 Other 5 Sysmiss 6139 From whom did you receive money? Other 470 5680 1 Yes 35 2 No 435 Sysmiss 5680 Where did they send the money from? Other 35 6115 1 Rural village 21 2 Urban town 12 3 Outside of country 2 Sysmiss 6115 How often did they send you money? Other 35 6115 1 Weekly 3 2 Fortnightly 0 3 Monthly 4 4 Seasonally 5 5 Once a year 7 6 Irregularly/occasionally 16 Sysmiss 6115 How do they mostly send the money to you? Other 35 6115 1 Bank transfer/Pay into bank account 12 2 Post Office/ Western Union/ Money gram 1 3 Cell phone top-up 0 4 Mobile money 11 5 Bus or Taxi 2 6 Friends or family 6 7 Other 3 Sysmiss 6115 What did you use most of the money they sent you for? Other 35 6115 1 Bought food/clothes 14 2 Paid school fees 3 3 Paid medical fees/medicine 2 4 Paid funeral expenses 0 5 Other 16 Sysmiss 6115 Have you received money using a mobile phone? 470 5680 2 Yes- sent 184 3 No 286 Sysmiss 5680 Have you sent money using a mobile phone? 470 5680 1 Yes - received 232 3 No 238 Sysmiss 5680 In the past 6 months have you sent money using a mobile phone? 316 5834 2 Yes- sent 178 3 No 138 Sysmiss 5834 In the past 6 months have you received money using a mobile phone? 316 5834 1 Yes - received 217 3 No 99 Sysmiss 5834 Non-use in QI5: Would you use a mobile phone to send money? 452 5698 1 Yes 353 2 No 99 Sysmiss 5698 QI6A=no: What is the most important reason why you would not use a mobile phone to send money? 99 6051 1 Don't trust 9 2 It is complicated 29 3 Agents too far 8 4 Too expensive 6 5 Don't have access to a mobile phone 8 6 Prefer other ways of sending/receiving money 13 7 Don't have the documents to register 4 8 Doesn't meet my needs 8 9 Other 14 Sysmiss 6051 If you are not employed you cannot open a bank account 6150 0 1 True 3702 2 False 2137 3 Don't know 311 Having a bank account makes it easier to get credit 6150 0 1 True 5276 2 False 364 3 Don't know 510 You can easily live your life without a bank account 6150 0 1 True 2812 2 False 2809 3 Don't know 529 Most services from banks are also offered elsewhere 6150 0 1 True 2556 2 False 1784 3 Don't know 1810 You trust banks with your money 6150 0 1 True 4631 2 False 505 3 Don't know 1014 Banking is for people like me 6150 0 1 True 4038 2 False 1433 3 Don't know 679 Banks treat people with respect 6150 0 1 True 4368 2 False 353 3 Don't know 1429 Savings account at a bank – can deposit and withdraw as you wish 6150 0 1 Yes 879 2 No 5271 At which bank? Savings account 879 5271 1 BK 47 2 BRD 1 3 FINABANK 4 4 COGEBANQUE 11 5 BCR 4 6 ECOBANK 3 7 UOB 37 8 ACCESS BANK 1 9 BPR 739 10 KCB 9 11 ZIGAMA CSS 9 12 UNGUKA BANK 6 13 AGASEKE BANK 2 14 EQUITY BANK 6 15 OTHER 0 Sysmiss 5271 At which bank? Savings account 879 5271 1 BK 3 2 BRD 0 3 FINABANK 2 4 COGEBANQUE 4 5 BCR 1 6 ECOBANK 1 7 UOB 3 8 ACCESS BANK 1 9 BPR 10 10 KCB 6 11 ZIGAMA CSS 3 12 UNGUKA BANK 2 13 AGASEKE BANK 1 14 EQUITY BANK 4 15 OTHER 0 99 ND 838 Sysmiss 5271 Usage in past month: Savings account 879 5271 1 Yes 488 2 No 391 Sysmiss 5271 Usage in past 6 months: Savings account 391 5759 1 Yes 206 2 No 185 Sysmiss 5759 Non-users: Main reason for not using: Savings account 185 5965 1 Didn't need to use it 39 2 Doesn't meet my needs 74 3 Too expensive 16 4 Too complicated 21 5 Service is not good 2 6 Other 33 Sysmiss 5965 Savings account at a bank with rules about deposits and withdrawals 6150 0 1 Yes 245 2 No 5905 At which bank? Fixed deposit 245 5905 1 BK 17 2 BRD 1 3 FINABANK 1 4 COGEBANQUE 3 5 BCR 1 6 ECOBANK 0 7 UOB 10 8 ACCESS BANK 1 9 BPR 193 10 KCB 6 11 ZIGAMA CSS 7 12 UNGUKA BANK 2 13 AGASEKE BANK 1 14 EQUITY BANK 2 15 OTHER 0 99 ND 0 Sysmiss 5905 At which bank? Fixed deposit 245 5905 1 BK 1 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 1 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 1 10 KCB 2 11 ZIGAMA CSS 2 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 1 15 OTHER 0 99 ND 237 Sysmiss 5905 Usage in past month: Fixed deposit 245 5905 1 Yes 151 2 No 94 Sysmiss 5905 Usage in past 6 months: Fixed deposit 94 6056 1 Yes 50 2 No 44 Sysmiss 6056 Non-users: Main reason for not using: Fixed deposit 44 6106 1 Didn't need to use it 9 2 Doesn't meet my needs 22 3 Too expensive 5 4 Too complicated 6 5 Service is not good 0 6 Other 2 Sysmiss 6106 Loan with a bank 6150 0 1 Yes 128 2 No 6022 At which bank? 128 6022 1 BK 11 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 2 5 BCR 1 6 ECOBANK 0 7 UOB 21 8 ACCESS BANK 1 9 BPR 86 10 KCB 2 11 ZIGAMA CSS 4 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 Sysmiss 6022 At which bank? 128 6022 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 1 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 1 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 99 ND 126 Sysmiss 6022 ATM/Debit card 6150 0 1 Yes 119 2 No 6031 At which bank? ATM or Debit card 119 6031 1 BK 17 2 BRD 0 3 FINABANK 3 4 COGEBANQUE 4 5 BCR 2 6 ECOBANK 2 7 UOB 3 8 ACCESS BANK 1 9 BPR 76 10 KCB 7 11 ZIGAMA CSS 2 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 2 15 OTHER 0 99 ND 0 Sysmiss 6031 At which bank? ATM or Debit card 119 6031 1 BK 1 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 1 5 BCR 0 6 ECOBANK 1 7 UOB 2 8 ACCESS BANK 0 9 BPR 2 10 KCB 2 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 110 Sysmiss 6031 Usage in past month: ATM or Debit card 119 6031 1 Yes 75 2 No 44 Sysmiss 6031 Usage in past 6 months: ATM or Debit card 44 6106 1 Yes 23 2 No 21 Sysmiss 6106 Non-users: Main reason for not using: ATM or Debit card 21 6129 1 Didn't need to use it 5 2 Doesn't meet my needs 6 3 Too expensive 1 4 Too complicated 1 5 Service is not good 0 6 Other 8 Sysmiss 6129 Current or Cheque account 6150 0 1 Yes 716 2 No 5434 At which bank? Current or Cheque account 716 5434 1 BK 39 2 BRD 0 3 FINABANK 2 4 COGEBANQUE 9 5 BCR 4 6 ECOBANK 3 7 UOB 30 8 ACCESS BANK 1 9 BPR 601 10 KCB 7 11 ZIGAMA CSS 8 12 UNGUKA BANK 7 13 AGASEKE BANK 2 14 EQUITY BANK 3 15 OTHER 0 99 ND 0 Sysmiss 5434 At which bank? Current or Cheque account 716 5434 1 BK 5 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 3 5 BCR 2 6 ECOBANK 2 7 UOB 3 8 ACCESS BANK 1 9 BPR 8 10 KCB 2 11 ZIGAMA CSS 2 12 UNGUKA BANK 2 13 AGASEKE BANK 2 14 EQUITY BANK 1 15 OTHER 0 99 ND 683 Sysmiss 5434 Usage in past month: Current or Cheque account 716 5434 1 Yes 383 2 No 333 Sysmiss 5434 Usage in past 6 months: Current or Cheque account 333 5817 1 Yes 187 2 No 146 Sysmiss 5817 Non-users: Main reason for not using: Current or Cheque account 146 6004 1 Didn't need to use it 32 2 Doesn't meet my needs 55 3 Too expensive 15 4 Too complicated 10 5 Service is not good 3 6 Other 31 Sysmiss 6004 Overdraft facilities 6150 0 1 Yes 23 2 No 6127 At which bank? Overdraft facilities 23 6127 1 BK 5 2 BRD 0 3 FINABANK 1 4 COGEBANQUE 0 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 17 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 0 Sysmiss 6127 At which bank? Overdraft facilities 23 6127 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 1 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 2 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 20 Sysmiss 6127 Usage in past month: Overdraft facilities 23 6127 1 Yes 9 2 No 14 Sysmiss 6127 Usage in past 6 months: Overdraft facilities 4 6146 1 Yes 1 2 No 3 Sysmiss 6146 Non-users: Main reason for not using: Overdraft facilities 7 6143 1 Didn't need to use it 0 2 Doesn't meet my needs 3 3 Too expensive 1 4 Too complicated 0 5 Service is not good 0 6 Other 3 Sysmiss 6143 Credit Card 6150 0 1 Yes 3 2 No 6147 At which bank? Credit Card 3 6147 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 BCR 0 6 ECOBANK 1 7 UOB 0 8 ACCESS BANK 1 9 BPR 1 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 0 Sysmiss 6147 At which bank? Credit Card 3 6147 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 3 Sysmiss 6147 Usage in past month: Credit Card 3 6147 1 Yes 1 2 No 2 Sysmiss 6147 Usage in past 6 months: Credit Card 0 6150 1 Yes 0 2 No 0 Sysmiss 6150 Non-users: Main reason for not using: Credit Card 2 6148 1 Didn't need to use it 0 2 Doesn't meet my needs 1 3 Too expensive 0 4 Too complicated 0 5 Service is not good 0 6 Other 1 Sysmiss 6148 Foreign bank account 6150 0 1 Yes 2 2 No 6148 At which bank? Foreign bank account 2 6148 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 1 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 1 99 ND 0 Sysmiss 6148 At which bank? Foreign bank account 2 6148 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 2 Sysmiss 6148 Usage in past month: Foreign bank account 2 6148 1 Yes 0 2 No 2 Sysmiss 6148 Usage in past 6 months: Foreign bank account 1 6149 1 Yes 1 2 No 0 Sysmiss 6149 Non-users: Main reason for not using: Foreign bank account 0 6150 1 Didn't need to use it 0 2 Doesn't meet my needs 0 3 Too expensive 0 4 Too complicated 0 5 Service is not good 0 6 Other 0 Sysmiss 6150 Other bank product 6150 0 1 Yes 0 2 No 6150 At which bank? Other 0 6150 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 0 Sysmiss 6150 At which bank? Other 0 6150 1 BK 0 2 BRD 0 3 FINABANK 0 4 COGEBANQUE 0 5 BCR 0 6 ECOBANK 0 7 UOB 0 8 ACCESS BANK 0 9 BPR 0 10 KCB 0 11 ZIGAMA CSS 0 12 UNGUKA BANK 0 13 AGASEKE BANK 0 14 EQUITY BANK 0 15 OTHER 0 99 ND 0 Sysmiss 6150 Usage in past month: Other 0 6150 1 Yes 0 2 No 0 Sysmiss 6150 Usage in past 6 months: Other 0 6150 1 Yes 0 2 No 0 Sysmiss 6150 Non-users: Main reason for not using: Other 0 6150 1 Didn't need to use it 0 2 Doesn't meet my needs 0 3 Too expensive 0 4 Too complicated 0 5 Service is not good 0 6 Other 0 Sysmiss 6150 Do you have a bank account in your name? 6150 0 1 Yes 803 2 No 5347 Can you use/access your bank account when you want to? 803 5347 1 Yes 774 2 No 29 Sysmiss 5347 Those who can't access/use:What is the main reason you are not able to use/access your account when you want to? 29 6121 1 Not always open/available 3 2 Too far 3 3 It takes too much time 2 4 Too expensive 3 5 Need permission from someone to use it 12 6 Other 6 Sysmiss 6121 For approximately how long have you had a bank account? 803 5347 1 Less than a year 81 2 1-3 years 248 3 3-5 years 142 4 Longer than 5 years 301 5 Don't remember 31 Sysmiss 5347 What was the main reason you opened a bank account? 803 5347 1 To process salary/wages 121 2 To save 448 3 To get credit/loan 95 4 To keep money safe 85 5 To make payments/receive money 22 6 Other 32 Sysmiss 5347 When you first opened a bank account, did you have an account with a SACCO or MFI? 803 5347 1 Yes 59 2 No 744 Sysmiss 5347 J3F=Yes: Did you close any of these when you opened your bank account? 59 6091 1 Yes 18 2 No 41 Sysmiss 6091 When you first opened a bank account, were you member of a group such as a savings and loan group or a savings club/tontine? 803 5347 1 Yes 227 2 No 576 Sysmiss 5347 J3H=Yes: Did you give up your membership with any of these when you opened your bank account? 226 5924 1 Yes 49 2 No 177 Sysmiss 5924 Are you using someone else’s bank account? 6150 0 1 Yes 299 2 No 5851 J4A=Yes: Can you use/access this bank account when you want to? 299 5851 1 Yes 232 2 No 67 Sysmiss 5851 J4B=No: What is the main reason you are not able to use/access your account when you want to? 67 6083 1 Not always open/available 7 2 Too far 7 3 Too expensive 1 4 Need owner's permission before I can use it 42 5 Cannot use it when the owner of the account is not around 6 6 Other 4 Sysmiss 6083 Whose account(s) are you using? Spouse or partner 232 5918 1 Yes 194 9 No 38 Sysmiss 5918 Whose account(s) are you using? Child 232 5918 2 Yes 10 9 No 222 Sysmiss 5918 Whose account(s) are you using? Parent 232 5918 3 Yes 11 9 No 221 Sysmiss 5918 Whose account(s) are you using? Other family member 232 5918 4 Yes 11 9 No 221 Sysmiss 5918 Whose account(s) are you using? Neighbour or friend 232 5918 5 Yes 2 9 No 230 Sysmiss 5918 Whose account(s) are you using? Savings club 232 5918 6 Yes 2 9 No 230 Sysmiss 5918 Whose account(s) are you using? Community organisation 232 5918 7 Yes 3 9 No 229 Sysmiss 5918 Whose account(s) are you using? Other 232 5918 8 Yes 0 9 No 232 Sysmiss 5918 What is the main reason why you are using someone else’s account? 232 5918 1 I don't meet the requirements to open an account/I'm too you 12 2 I don't have the right documentation 34 3 We share the costs/it is cheaper to have one account 96 4 I am not allowed to have my own account - by spouse, househo 2 5 I don't know how to open an account 4 6 Other 84 Sysmiss 5918 Done in past 6 months: Cash a cheque 6150 0 1 Yes 222 2 No 5928 Done in past 6 months: Deposit cash into a bank account 6150 0 1 Yes 597 2 No 5553 Done in past 6 months: Deposit a cheque into a bank account 6150 0 1 Yes 116 2 No 6034 Done in past 6 months: Cash withdrawal from a bank account 6150 0 1 Yes 643 2 No 5507 From branch or ATM? Cash withdrawal from a bank account 643 5507 1 Bank 568 2 ATM 75 3 Both 0 Sysmiss 5507 Done in past 6 months: Paid people or bills using a cheque 6150 0 1 Yes 84 2 No 6066 Done in past 6 months: Money transfers between your own bank accounts 6150 0 1 Yes 97 2 No 6053 Done in past 6 months: Money transfer to another person's bank account 6150 0 1 Yes 134 2 No 6016 Done in past 6 months: Received money from someone into a bank account 6150 0 1 Yes 137 2 No 6013 Done in past 6 months: Get a bank statement 6150 0 1 Yes 122 2 No 6028 Done in past 6 months: Internet banking transaction 6150 0 1 Yes 36 2 No 6114 Done in past 6 months: Mobile banking transaction 6150 0 1 Yes 116 2 No 6034 Unbanked:What is the main reason why do you not have a bank account? 5187 963 1 Does not need it - Insufficient or no money coming it to jus 4117 2 Cannot maintain the minimum balance 245 3 Bank service charges are too high 126 4 Banks are too far away 130 5 Banking hours are not convenient 1 6 Does not have the documentation required 39 7 Does not know how to apply 72 8 Does not understand benefits from having a bank account 46 9 Does not trust banks 8 10 Banks do not provide the products or services I need 22 11 Can get services needed elsewhere in the community 57 12 Need permission of someone else to open it 15 13 Other 309 Sysmiss 963 Do you have a MFI account? 6150 0 1 Yes 198 2 No 5952 Have you used your MFI account in the past month? 198 5952 1 Yes 106 2 No 92 Sysmiss 5952 Have you used your MFI account this year? 106 6044 1 Yes 85 2 No 21 Sysmiss 6044 Non users: What is the main reason for you not using your MFI account? 106 6044 1 Didn't need to use it 94 2 Doesn't meet my needs 7 3 Too expensive 1 4 Too complicated 0 5 Service is not good 0 6 Other 4 Sysmiss 6044 What do you usually use your MFI account for? Saving 198 5952 1 Yes 165 9 No 33 Sysmiss 5952 What do you usually use your MFI account for? Credit 198 5952 2 Yes 91 9 No 107 Sysmiss 5952 What do you usually use your MFI account for? Other 198 5952 3 Yes 9 9 No 189 Sysmiss 5952 For approximately how long have you had an account with a MFI? 198 5952 1 Less than a year 33 2 1-3 years 69 3 3-5 years 39 4 Longer than 5 years 51 5 Don't remember 6 Sysmiss 5952 Why did you mainly open a MFI account? 198 5952 1 To save 115 2 To get credit/loan 75 3 Other 8 Sysmiss 5952 When you first opened a MFI account, did you have an account with a bank or a SACCO? 198 5952 1 Yes 45 2 No 153 Sysmiss 5952 J7G=Yes: Did you close any of these when you opened your MFI account? 47 6103 1 Yes 12 2 No 35 Sysmiss 6103 When you first opened a MFI account, were you member of a group such as a savings and loan group or a savings club/tontine? 198 5952 1 Yes 63 2 No 135 Sysmiss 5952 J7I=Yes: Did you give up your membership with any of these when you opened your MFI account? 64 6086 1 Yes 8 2 No 56 Sysmiss 6086 Are you a member of an umurenge SACCO or do you have an umurenge SACCO account? 6150 0 1 Yes 1264 2 No 4886 Have you used your umurenge SACCO account in the past month? 1264 4886 1 Yes 615 2 No 649 Sysmiss 4886 Have you used your umurenge SACCO account this year? 649 5501 1 Yes 417 2 No 232 Sysmiss 5501 Non-users: What is the main reason for you not using your SACCO account? 232 5918 1 Didn't need to use it 87 2 Doesn't meet my needs 28 3 Too expensive 28 4 Too complicated 18 5 Service is not good 2 6 Other 69 Sysmiss 5918 What do you usually use your umurenge SACCO account for? Savings 1264 4886 1 Yes 1133 9 No 131 Sysmiss 4886 What do you usually use your umurenge SACCO account for? Credit 1264 4886 2 142 3 Yes 0 9 No 1122 Sysmiss 4886 What do you usually use your umurenge SACCO account for? Other 1264 4886 3 Yes 109 9 No 1155 Sysmiss 4886 For approximately how long have you been a member of an umurenge SACCO? 1264 4886 1 Less than a year 377 2 1-3 years 774 3 3-5 years 83 4 Longer than 5 years 12 5 Don't remember 18 Sysmiss 4886 Why did you mainly become a member? 1264 4886 1 I was obliged/required to 340 2 To save 522 3 To get credit/loan 173 4 To keep money safe 110 5 Other 119 Sysmiss 4886 When you first became a member/opened your umurenge SACCO account, did you have an account with a bank or a MFI? 1264 4886 1 Yes 280 2 No 984 Sysmiss 4886 J8G=Yes: Did you close any of these when you opened your umurenge SACCO account/became a member? 283 5867 1 Yes 52 2 No 231 Sysmiss 5867 When you first became a member/opened your umurenge SACCO account, were you member of a group such as a savings and loan group or a savings club/tontine? 1264 4886 1 Yes 547 2 No 717 Sysmiss 4886 J8I=Yes: Did you give up your membership with any of these when you became a member/opened your umurenge SACCO account? 551 5599 1 Yes 81 2 No 470 Sysmiss 5599 Do you belong to a savings groups such as a VSLA, SILC, tontine, ikibina? 6150 0 1 Yes 2262 2 No 3888 Which of the following do you do with the group? Save 2262 3888 1 Yes 2066 9 No 196 Sysmiss 3888 Which of the following do you do with the group? Borrow 2262 3888 2 Yes 1494 9 No 768 Sysmiss 3888 Which of the following do you do with the group? Other 2262 3888 3 Yes 123 9 No 2139 Sysmiss 3888 For approximately how long have you been a member of such a group? 2262 3888 1 Less than a year 701 2 1-3 years 938 3 3-5 years 231 4 Longer than 5 years 269 5 Don't remember 123 Sysmiss 3888 Club activities: Lend money out to members when they need the money 2262 3888 1 Yes 1928 2 No 329 3 Don't know 5 Sysmiss 3888 Club activities: Lend out money to non-members when they want to borrow 2262 3888 1 Yes 358 2 No 1894 3 Don't know 10 Sysmiss 3888 Club activities: Give collected money to one member every month 2262 3888 1 Yes 1475 2 No 772 3 Don't know 15 Sysmiss 3888 Club activities: Keep the collected money for members and members can withdraw this money when they need it 2262 3888 1 Yes 1404 2 No 841 3 Don't know 17 Sysmiss 3888 Club activities: Keep the collected money for members and give to members after a certain period of time 2262 3888 1 Yes 1621 2 No 616 3 Don't know 25 Sysmiss 3888 Club activities: Buy assets as a group 2262 3888 1 Yes 1122 2 No 1078 3 Don't know 62 Sysmiss 3888 Club activities: Buy assets for individual members 2262 3888 1 Yes 466 2 No 1745 3 Don't know 51 Sysmiss 3888 Club activities: Raise or save money for funerals for group members 2262 3888 1 Yes 968 2 No 1247 3 Don't know 47 Sysmiss 3888 2262 3888 1 Yes 972 2 No 1244 3 Don't know 46 Sysmiss 3888 Club activities: Act as guarantor when members want to borrow money somewhere else 2262 3888 1 Yes 614 2 No 1562 3 Don't know 86 Sysmiss 3888 What is the main reason why you belong to a group? 2262 3888 1 Inherited the position from parents 19 2 It is compulsory for people in tribe or village 19 3 To socialise or meet friends 194 4 They give financial advice 139 5 Can turn to them when in financial need 666 6 Can get money easily when needed 351 7 I trust and know them 87 8 To borrow money 226 9 To save money 483 10 Other 78 Sysmiss 3888 I have more discipline in saving with a group than any other way 2262 3888 1 Agree 2198 2 Disagree 43 3 Don't know 21 Sysmiss 3888 I have more discipline paying back money borrowed from a group 2262 3888 1 Agree 1970 2 Disagree 206 3 Don't know 86 Sysmiss 3888 Are you a member of any other group or organisation? 6150 0 1 Yes 1151 2 No 4999 What type of group/organisation? Business organisation 1151 4999 1 Yes 76 9 No 1075 Sysmiss 4999 What type of group/organisation? Farmer's association 1151 4999 2 Yes 218 9 No 933 Sysmiss 4999 What type of group/organisation? Market/traders association 1151 4999 3 Yes 17 9 No 1134 Sysmiss 4999 What type of group/organisation? Cooperative 1151 4999 4 Yes 115 9 No 1036 Sysmiss 4999 What type of group/organisation? Church/religious group 1151 4999 5 Yes 55 9 No 1096 Sysmiss 4999 What type of group/organisation? Women’s/men’s group 1151 4999 6 Yes 234 9 No 917 Sysmiss 4999 What type of group/organisation? Other 1151 4999 7 Yes 426 9 No 725 Sysmiss 4999 Household involvement in farming 6150 0 1 Your household is only involved in farming and no-one in the 3705 2 Your household is involved in farming AND other work 1705 3 Your household is NOT involved in farming at all 740 Farming activities: Cattle 5410 740 1 Yes 1874 9 No 3536 Sysmiss 740 Farming activities: Goats, sheep, pigs, etc 5410 740 2 Yes 2262 9 No 3148 Sysmiss 740 Farming activities: Other livestock such as chickens, rabbits, etc 5410 740 3 Yes 1380 9 No 4030 Sysmiss 740 Farming activities: Cash crops – tea, coffee, pyrethrum 5410 740 4 Yes 704 9 No 4706 Sysmiss 740 Farming activities: Fruit – such as bananas, pineapple, avocado, pepper, papaya, passion fruit 5410 740 5 Yes 1922 9 No 3488 Sysmiss 740 5410 740 6 Yes 2473 9 No 2937 Sysmiss 740 Farming activities: Grains 5410 740 7 Yes 3957 9 No 1453 Sysmiss 740 Farming activities: Roots 5410 740 8 Yes 4762 9 No 648 Sysmiss 740 Farming activities: Beans, peas, ground nuts 5410 740 9 Yes 4809 99 No 601 Sysmiss 740 Farming activities: Banana 5410 740 10 Yes 2614 99 No 2796 Sysmiss 740 Farming activities: Other 5410 740 11 Yes 56 99 No 5354 Sysmiss 740 Livestock owners: Your household will never sell your livestock 3325 2825 1 True 611 2 False 2569 3 Don't know 145 Sysmiss 2825 Livestock owners: Your household will use your livestock as security when you need to borrow money 3325 2825 1 True 1718 2 False 1353 3 Don't know 254 Sysmiss 2825 Livestock owners: Your household regards your livestock as a form of savings 3325 2825 1 True 3079 2 False 172 3 Don't know 74 Sysmiss 2825 Livestock owners: Your household will sell some of your livestock to get cash when you need cash 3325 2825 1 True 2988 2 False 250 3 Don't know 87 Sysmiss 2825 Do you/your household farm mostly for consumption or selling? 5410 740 1 Consumption 4953 2 Selling 400 3 Don't know 57 Sysmiss 740 Where do you mainly get the money for inputs? 5410 740 1 1621 2 Use money from other sources of income 733 3 Use savings 355 4 Sell crops/livestock/other produce to get money 1535 5 Get money in advance from buyer to whom we sell our crop/liv 197 6 Get from a supplier or distributor and pay later 143 7 Loan from a bank 6 8 Loan from an umurenge SACCO 7 9 Loan from a non-umurenge SACCO or a MFI 6 10 Loan from a farmers association 23 11 Borrow from a community/savings group where we save and lend 110 12 Borrow from a money lender in the community 15 13 81 14 Don't buy inputs - get inputs in exchange for goods or labou 109 15 Other 349 16 Don't know 120 Sysmiss 740 How do you usually pay for food/groceries? 6150 0 1 Cash 5900 2 Borrow money and pay cash 33 3 Get from store and pay later 188 4 Use credit card 2 5 Use debit card 0 6 Use cheque 0 7 Exchange farming produce/goods to get …. 17 8 Other 10 How do you usually pay for clothes? 6150 0 1 Cash 6125 2 Borrow money and pay cash 13 3 Get from store and pay later 1 4 Use credit card 1 5 Use debit card 0 6 Use cheque 0 7 Exchange farming produce/goods to get …. 0 8 Other 10 How would you pay for larger goods/appliances? 6150 0 1 Cash 6115 2 Borrow money and pay cash 13 3 Get from store and pay later 9 4 Use credit card 0 5 Use debit card 0 6 Use cheque 1 7 Exchange farming produce/goods to get …. 1 8 Other 11 Income source: Salary or wages from Government 6150 0 1 Yes 210 9 No 5940 How often do you usually receive money from: Salary or wages from Government 210 5940 1 Daily 18 2 Weekly 1 3 Fortnightly 0 4 Monthly 189 5 Annually 0 6 Seasonally 0 7 Occasionally 0 8 Upon completion of job 2 Sysmiss 5940 How do you receive the money from: Salary or wages from Government 210 5940 1 Cash in hand 37 2 Cheque 7 3 Into bank account 157 4 Western Union 3 5 Other 6 Sysmiss 5940 How do you receive the money from: Salary or wages from Government 210 5940 1 Cash in hand 6 2 Cheque 1 3 Into bank account 2 4 Western Union 0 5 Other 0 9 NA 201 Sysmiss 5940 How do you receive the money from: Salary or wages from Government 210 5940 1 Cash in hand 3 2 Cheque 1 3 Into bank account 3 4 Western Union 0 5 Other 0 9 NA 203 Sysmiss 5940 Income source: Salary or wages from a business or company 6150 0 2 Yes 259 9 No 5891 259 5891 1 Daily 111 2 Weekly 24 3 Fortnightly 5 4 Monthly 55 5 Annually 6 6 Seasonally 6 7 Occasionally 28 8 Upon completion of job 24 Sysmiss 5891 How do you receive the money from: Salary or wages from a business or company 259 5891 1 Cash in hand 219 2 Cheque 5 3 Into bank account 33 4 Western Union 1 5 Other 1 Sysmiss 5891 How do you receive the money from: Salary or wages from a business or company 259 5891 1 Cash in hand 10 2 Cheque 7 3 Into bank account 1 4 Western Union 0 5 Other 0 9 NA 241 Sysmiss 5891 How do you receive the money from: Salary or wages from a business or company 259 5891 1 Cash in hand 7 2 Cheque 3 3 Into bank account 1 4 Western Union 1 5 Other 0 9 NA 247 Sysmiss 5891 Income source: Salary or wages from a farmer 6150 0 3 Yes 970 9 No 5180 How often do you usually receive money from: Salary or wages from a farmer 970 5180 1 Daily 85 2 Weekly 108 3 Fortnightly 25 4 Monthly 70 5 Annually 19 6 Seasonally 219 7 Occasionally 252 8 Upon completion of job 192 Sysmiss 5180 How do you receive the money from: Salary or wages from a farmer 970 5180 1 Cash in hand 951 2 Cheque 2 3 Into bank account 12 4 Western Union 3 5 Other 2 Sysmiss 5180 How do you receive the money from: Salary or wages from a farmer 970 5180 1 Cash in hand 40 2 Cheque 4 3 Into bank account 3 4 Western Union 0 5 Other 0 9 NA 923 Sysmiss 5180 How do you receive the money from: Salary or wages from a farmer 970 5180 1 Cash in hand 26 2 Cheque 5 3 Into bank account 6 4 Western Union 0 5 Other 0 9 NA 933 Sysmiss 5180 Income source: Salary or wages from an individual 6150 0 4 Yes 206 9 No 5944 How often do you usually receive money from: Salary or wages from an individual 206 5944 1 Daily 28 2 Weekly 11 3 Fortnightly 3 4 Monthly 93 5 Annually 6 6 Seasonally 3 7 Occasionally 29 8 Upon completion of job 33 Sysmiss 5944 How do you receive the money from: Salary or wages from an individual 206 5944 1 Cash in hand 167 2 Cheque 3 3 Into bank account 29 4 Western Union 5 5 Other 2 Sysmiss 5944 How do you receive the money from: Salary or wages from an individual 206 5944 1 Cash in hand 5 2 Cheque 0 3 Into bank account 2 4 Western Union 0 5 Other 1 9 NA 198 Sysmiss 5944 How do you receive the money from: Salary or wages from an individual 206 5944 1 Cash in hand 3 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 203 Sysmiss 5944 Income source: Self-employed (have own business) 6150 0 5 Yes 516 9 No 5634 How often do you usually receive money from: Self-employed (have own business) 516 5634 1 Daily 206 2 Weekly 80 3 Fortnightly 12 4 Monthly 65 5 Annually 4 6 Seasonally 21 7 Occasionally 72 8 Upon completion of job 56 Sysmiss 5634 How do you receive the money from: Self-employed (have own business) 516 5634 1 Cash in hand 491 2 Cheque 7 3 Into bank account 13 4 Western Union 1 5 Other 4 Sysmiss 5634 How do you receive the money from: Self-employed (have own business) 516 5634 1 Cash in hand 13 2 Cheque 8 3 Into bank account 3 4 Western Union 0 5 Other 2 9 NA 490 Sysmiss 5634 How do you receive the money from: Self-employed (have own business) 516 5634 1 Cash in hand 13 2 Cheque 2 3 Into bank account 3 4 Western Union 0 5 Other 4 9 NA 494 Sysmiss 5634 Income source: Money from farming 6150 0 6 Yes 2889 9 No 3261 How often do you usually receive money from: Money from farming 2889 3261 1 Daily 80 2 Weekly 25 3 Fortnightly 23 4 Monthly 89 5 Annually 125 6 Seasonally 1478 7 Occasionally 970 8 Upon completion of job 99 Sysmiss 3261 How do you receive the money from: Money from farming 2889 3261 1 Cash in hand 2838 2 Cheque 1 3 Into bank account 25 4 Western Union 7 5 Other 18 Sysmiss 3261 How do you receive the money from: Money from farming 2889 3261 1 Cash in hand 92 2 Cheque 4 3 Into bank account 2 4 Western Union 1 5 Other 1 9 NA 2789 Sysmiss 3261 How do you receive the money from: Money from farming 2889 3261 1 Cash in hand 86 2 Cheque 3 3 Into bank account 0 4 Western Union 0 5 Other 1 9 NA 2799 Sysmiss 3261 Income source: Money from fishing 6150 0 7 Yes 20 9 No 6130 How often do you usually receive money from: Money from fishing 20 6130 1 Daily 6 2 Weekly 3 3 Fortnightly 0 4 Monthly 1 5 Annually 1 6 Seasonally 2 7 Occasionally 6 8 Upon completion of job 1 Sysmiss 6130 How do you receive the money from: Money from fishing 20 6130 1 Cash in hand 20 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 Sysmiss 6130 How do you receive the money from: Money from fishing 20 6130 1 Cash in hand 0 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 20 Sysmiss 6130 How do you receive the money from: Money from fishing 20 6130 1 Cash in hand 0 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 20 Sysmiss 6130 Income source: Rental income 6150 0 8 Yes 127 9 No 6023 How often do you usually receive money from: Rental income 127 6023 1 Daily 8 2 Weekly 0 3 Fortnightly 0 4 Monthly 101 5 Annually 3 6 Seasonally 8 7 Occasionally 7 8 Upon completion of job 0 Sysmiss 6023 How do you receive the money from: Rental income 127 6023 1 Cash in hand 117 2 Cheque 2 3 Into bank account 7 4 Western Union 1 5 Other 0 Sysmiss 6023 How do you receive the money from: Rental income 127 6023 1 Cash in hand 0 2 Cheque 0 3 Into bank account 3 4 Western Union 0 5 Other 0 9 NA 124 Sysmiss 6023 How do you receive the money from: Rental income 127 6023 1 Cash in hand 1 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 126 Sysmiss 6023 Income source: Private pension 6150 0 9 Yes 227 99 No 5923 How often do you usually receive money from: Private pension 227 5923 1 Daily 22 2 Weekly 11 3 Fortnightly 9 4 Monthly 30 5 Annually 23 6 Seasonally 9 7 Occasionally 120 8 Upon completion of job 3 Sysmiss 5923 How do you receive the money from: Private pension 227 5923 1 Cash in hand 189 2 Cheque 1 3 Into bank account 35 4 Western Union 0 5 Other 2 Sysmiss 5923 How do you receive the money from: Private pension 227 5923 1 Cash in hand 8 2 Cheque 0 3 Into bank account 3 4 Western Union 0 5 Other 0 9 NA 216 Sysmiss 5923 How do you receive the money from: Private pension 227 5923 1 Cash in hand 8 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 219 Sysmiss 5923 Income source: Government pension 6150 0 10 Yes 24 99 No 6126 How often do you usually receive money from: Government pension 24 6126 1 Daily 0 2 Weekly 0 3 Fortnightly 2 4 Monthly 3 5 Annually 1 6 Seasonally 16 7 Occasionally 2 8 Upon completion of job 0 Sysmiss 6126 How do you receive the money from: Government pension 24 6126 1 Cash in hand 3 2 Cheque 1 3 Into bank account 20 4 Western Union 0 5 Other 0 Sysmiss 6126 How do you receive the money from: Government pension 24 6126 1 Cash in hand 1 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 23 Sysmiss 6126 How do you receive the money from: Government pension 24 6126 1 Cash in hand 1 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 23 Sysmiss 6126 Income source: Government or state grant or VUP grant or VUP cash transfer 6150 0 11 Yes 48 99 No 6102 How often do you usually receive money from: Government or state grant or VUP grant or VUP cash transfer 48 6102 1 Daily 1 2 Weekly 0 3 Fortnightly 0 4 Monthly 16 5 Annually 7 6 Seasonally 8 7 Occasionally 16 8 Upon completion of job 0 Sysmiss 6102 How do you receive the money from: Government or state grant or VUP grant or VUP cash transfer 48 6102 1 Cash in hand 28 2 Cheque 0 3 Into bank account 18 4 Western Union 0 5 Other 2 Sysmiss 6102 How do you receive the money from: Government or state grant or VUP grant or VUP cash transfer 48 6102 1 Cash in hand 1 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 47 Sysmiss 6102 How do you receive the money from: Government or state grant or VUP grant or VUP cash transfer 48 6102 1 Cash in hand 2 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 46 Sysmiss 6102 Income source: Maintenance money 6150 0 12 Yes 11 99 No 6139 How often do you usually receive money from: Maintenance money 11 6139 1 Daily 2 2 Weekly 0 3 Fortnightly 0 4 Monthly 1 5 Annually 0 6 Seasonally 2 7 Occasionally 5 8 Upon completion of job 1 Sysmiss 6139 How do you receive the money from: Maintenance money 11 6139 1 Cash in hand 8 2 Cheque 0 3 Into bank account 2 4 Western Union 0 5 Other 1 Sysmiss 6139 How do you receive the money from: Maintenance money 11 6139 1 Cash in hand 0 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 11 Sysmiss 6139 How do you receive the money from: Maintenance money 11 6139 1 Cash in hand 1 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 10 Sysmiss 6139 Income source: Remittances (money from friends or family) 6150 0 13 Yes 292 99 No 5858 How often do you usually receive money from: Remittances (money from friends or family) 292 5858 1 Daily 8 2 Weekly 4 3 Fortnightly 1 4 Monthly 22 5 Annually 9 6 Seasonally 12 7 Occasionally 234 8 Upon completion of job 2 Sysmiss 5858 How do you receive the money from: Remittances (money from friends or family) 292 5858 1 Cash in hand 262 2 Cheque 0 3 Into bank account 8 4 Western Union 7 5 Other 15 Sysmiss 5858 How do you receive the money from: Remittances (money from friends or family) 292 5858 1 Cash in hand 7 2 Cheque 0 3 Into bank account 0 4 Western Union 2 5 Other 1 9 NA 282 Sysmiss 5858 How do you receive the money from: Remittances (money from friends or family) 292 5858 1 Cash in hand 4 2 Cheque 0 3 Into bank account 1 4 Western Union 0 5 Other 1 9 NA 286 Sysmiss 5858 Income source: Get money from household member 6150 0 14 Yes 339 99 No 5811 How often do you usually receive money from: Get money from household member 339 5811 1 Daily 29 2 Weekly 35 3 Fortnightly 5 4 Monthly 60 5 Annually 2 6 Seasonally 18 7 Occasionally 181 8 Upon completion of job 9 Sysmiss 5811 How do you receive the money from: Get money from household member 339 5811 1 Cash in hand 300 2 Cheque 3 3 Into bank account 20 4 Western Union 9 5 Other 7 Sysmiss 5811 How do you receive the money from: Get money from household member 339 5811 1 Cash in hand 8 2 Cheque 2 3 Into bank account 0 4 Western Union 0 5 Other 1 9 NA 328 Sysmiss 5811 How do you receive the money from: Get money from household member 339 5811 1 Cash in hand 8 2 Cheque 1 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 330 Sysmiss 5811 Income source: Household member pays expenses 6150 0 15 Yes 83 99 No 6067 How often do you usually receive money from: Household member pays expenses 83 6067 1 Daily 7 2 Weekly 3 3 Fortnightly 1 4 Monthly 8 5 Annually 3 6 Seasonally 12 7 Occasionally 47 8 Upon completion of job 2 Sysmiss 6067 How do you receive the money from: Household member pays expenses 83 6067 1 Cash in hand 76 2 Cheque 0 3 Into bank account 1 4 Western Union 0 5 Other 6 Sysmiss 6067 How do you receive the money from: Household member pays expenses 83 6067 1 Cash in hand 0 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 83 Sysmiss 6067 How do you receive the money from: Household member pays expenses 83 6067 1 Cash in hand 0 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 83 Sysmiss 6067 Income source: Piece work 6150 0 16 Yes 2006 99 No 4144 How often do you usually receive money from: Piece work 2006 4144 1 Daily 308 2 Weekly 167 3 Fortnightly 33 4 Monthly 123 5 Annually 2 6 Seasonally 38 7 Occasionally 673 8 Upon completion of job 662 Sysmiss 4144 How do you receive the money from: Piece work 2006 4144 1 Cash in hand 1942 2 Cheque 6 3 Into bank account 43 4 Western Union 2 5 Other 13 Sysmiss 4144 How do you receive the money from: Piece work 2005 4145 1 Cash in hand 40 2 Cheque 4 3 Into bank account 10 4 Western Union 0 5 Other 2 9 NA 1949 Sysmiss 4145 How do you receive the money from: Piece work 2004 4146 1 Cash in hand 49 2 Cheque 4 3 Into bank account 1 4 Western Union 0 5 Other 0 9 NA 1950 Sysmiss 4146 Income source: VUP public works 6150 0 17 Yes 63 99 No 6087 How often do you usually receive money from: VUP public works 63 6087 1 Daily 9 2 Weekly 1 3 Fortnightly 4 4 Monthly 15 5 Annually 2 6 Seasonally 1 7 Occasionally 25 8 Upon completion of job 6 Sysmiss 6087 How do you receive the money from: VUP public works 63 6087 1 Cash in hand 40 2 Cheque 0 3 Into bank account 22 4 Western Union 0 5 Other 1 Sysmiss 6087 How do you receive the money from: VUP public works 63 6087 1 Cash in hand 4 2 Cheque 1 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 58 Sysmiss 6087 How do you receive the money from: VUP public works 63 6087 1 Cash in hand 6 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 57 Sysmiss 6087 Income source: Make goods to sell 6150 0 18 Yes 78 99 No 6072 How often do you usually receive money from: Make goods to sell 78 6072 1 Daily 10 2 Weekly 9 3 Fortnightly 4 4 Monthly 8 5 Annually 1 6 Seasonally 7 7 Occasionally 33 8 Upon completion of job 6 Sysmiss 6072 How do you receive the money from: Make goods to sell 78 6072 1 Cash in hand 75 2 Cheque 0 3 Into bank account 3 4 Western Union 0 5 Other 0 Sysmiss 6072 How do you receive the money from: Make goods to sell 78 6072 1 Cash in hand 4 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 74 Sysmiss 6072 How do you receive the money from: Make goods to sell 78 6072 1 Cash in hand 2 2 Cheque 1 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 75 Sysmiss 6072 Income source: Sell something I grow 6150 0 19 Yes 1566 99 No 4584 How often do you usually receive money from: Sell something I grow 1566 4584 1 Daily 34 2 Weekly 23 3 Fortnightly 17 4 Monthly 33 5 Annually 58 6 Seasonally 527 7 Occasionally 798 8 Upon completion of job 76 Sysmiss 4584 How do you receive the money from: Sell something I grow 1566 4584 1 Cash in hand 1554 2 Cheque 3 3 Into bank account 5 4 Western Union 1 5 Other 3 Sysmiss 4584 How do you receive the money from: Sell something I grow 1565 4585 1 Cash in hand 49 2 Cheque 6 3 Into bank account 3 4 Western Union 1 5 Other 1 9 NA 1505 Sysmiss 4585 How do you receive the money from: Sell something I grow 1564 4586 1 Cash in hand 58 2 Cheque 4 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 1502 Sysmiss 4586 Income source: Sell something I collect from nature 6150 0 20 Yes 99 99 No 6051 How often do you usually receive money from: Sell something I collect from nature 99 6051 1 Daily 7 2 Weekly 5 3 Fortnightly 0 4 Monthly 3 5 Annually 9 6 Seasonally 5 7 Occasionally 66 8 Upon completion of job 4 Sysmiss 6051 How do you receive the money from: Sell something I collect from nature 99 6051 1 Cash in hand 97 2 Cheque 1 3 Into bank account 1 4 Western Union 0 5 Other 0 Sysmiss 6051 How do you receive the money from: Sell something I collect from nature 99 6051 1 Cash in hand 4 2 Cheque 2 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 93 Sysmiss 6051 How do you receive the money from: Sell something I collect from nature 99 6051 1 Cash in hand 2 2 Cheque 2 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 95 Sysmiss 6051 Income source: Other 6150 0 21 Yes 74 99 No 6076 How often do you usually receive money from: Other 74 6076 1 Daily 13 2 Weekly 8 3 Fortnightly 2 4 Monthly 17 5 Annually 5 6 Seasonally 5 7 Occasionally 15 8 Upon completion of job 9 Sysmiss 6076 How do you receive the money from: Other 74 6076 1 Cash in hand 62 2 Cheque 3 3 Into bank account 8 4 Western Union 0 5 Other 1 Sysmiss 6076 How do you receive the money from: Other 74 6076 1 Cash in hand 4 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 70 Sysmiss 6076 How do you receive the money from: Other 74 6076 1 Cash in hand 3 2 Cheque 0 3 Into bank account 0 4 Western Union 0 5 Other 0 9 NA 71 Sysmiss 6076 Main source of income 2823 3327 1 Salary/wages from Government 131 2 Salary/wages from a business/company 184 3 Salary/wages from a farmer 593 4 Salary/wages from an individual 87 5 Self-employed (have own business) 3 6 Money from farming (crops and/or livestock; by-products from 1277 7 Money from fishing 0 8 Rental income 40 9 Private pension 58 10 Government pension 0 11 Government/state grant/VUP grant/VUP cash transfer 0 12 Maintenance money 0 13 Remittances (money from friends/family) 0 14 Get money from household member 65 15 Household member pays my expenses 9 16 Piece work 285 17 VUP public works 0 18 Make goods to sell 0 19 Sell something I grow 84 20 Sell something I collect from nature (thatch/wood/charcoal) 0 21 Other 7 Sysmiss 3327 Get money from HH member: Spouse 411 5739 1 Yes 136 9 No 275 Sysmiss 5739 Get money from HH member: Parent 411 5739 2 Yes 61 9 No 350 Sysmiss 5739 Get money from HH member: Child 411 5739 3 Yes 48 9 No 363 Sysmiss 5739 Get money from HH member: Other relative 411 5739 4 Yes 55 9 No 356 Sysmiss 5739 Get money from HH member: Other 411 5739 5 Yes 16 9 No 395 Sysmiss 5739 Do you have money of your own that you can do with as you wish? 6150 0 1 Yes 3242 2 No 2855 3 Refused 53 M3a=No:Why not? 2855 3295 1 Yes 1991 9 No 864 Sysmiss 3295 M3a=No:Why not? 2855 3295 2 Yes 159 9 No 2696 Sysmiss 3295 M3a=No:Why not? 2855 3295 3 Yes 648 9 No 2207 Sysmiss 3295 M3a=No:Why not? 2855 3295 4 Yes 68 9 No 2787 Sysmiss 3295 Total income base 6150 0 1 Month 3575 2 Year 1310 3 Don't know the amount for either 1049 4 Refused 216 Personal total monthly income? 3566 2584 1 1,500 Rwf or less 295 2 1 501 - 3 000 Rwf 434 3 3 001 - 5 000 Rwf 516 4 5 001 - 7 000 Rwf 355 5 7 001 - 10 000 Rwf 412 6 10 001 - 15 000 Rwf 354 7 15 001 - 20 000 Rwf 253 8 20 001 - 25 000 Rwf 160 9 25 001 - 30 000 Rwf 281 10 30 001 - 40 000 Rwf 111 11 40 001 - 50 000 Rwf 133 12 50 001 - 100 000 Rwf 131 13 More than 100,000 Rwf 131 Sysmiss 2584 Personal total annual income? 1302 4848 1 12,000 Rwf or less 217 2 12,001-15,000 Rwf 82 3 15,001-17,000 Rwf 56 4 17,001-20,000 Rwf 95 5 20,001-30,000 Rwf 150 6 30,001-40,000 Rwf 116 7 40,001-50,000 Rwf 141 8 50,001-80,000 Rwf 149 9 80,000 - 100,000 Rwf 93 10 100,001 - 150,000 Rwf 81 11 150,001 - 200,000 Rwf 35 12 200,001 - 250,000 Rwf 21 13 250,001 - 300,000 Rwf 31 14 More than 300,000 Rwf 35 Sysmiss 4848 How would you mainly cover the costs: Wedding 6150 0 1 Using savings that I put aside for this purpose 651 2 General savings 692 3 Rely of family & friends to help cover costs 1759 4 Rely on community to help cover costs 289 5 Sell something to cover the cost 471 6 Have a policy that will cover it 3 7 Borrow from bank 37 8 Borrow from a SACCO/MFI 52 9 Borrow from money lender in community 50 10 Borrow from family/friend 218 11 Other 227 12 Don't know/Haven't thought about it 1701 How would you mainly cover the costs: Funeral 6150 0 1 Using savings that I put aside for this purpose 91 2 General savings 614 3 Rely of family & friends to help cover costs 2346 4 Rely on community to help cover costs 752 5 Sell something to cover the cost 386 6 Have a policy that will cover it 21 7 Borrow from bank 12 8 Borrow from a SACCO/MFI 28 9 Borrow from money lender in community 94 10 Borrow from family/friend 433 11 Other 425 12 Don't know/Haven't thought about it 948 How would you mainly cover the costs: Medical emergency 6150 0 1 Using savings that I put aside for this purpose 240 2 General savings 1221 3 Rely of family & friends to help cover costs 390 4 Rely on community to help cover costs 176 5 Sell something to cover the cost 608 6 Have a policy that will cover it 1074 7 Borrow from bank 23 8 Borrow from a SACCO/MFI 32 9 Borrow from money lender in community 302 10 Borrow from family/friend 1361 11 Other 482 12 Don't know/Haven't thought about it 241 How would you mainly cover the costs: Childrens education 6150 0 1 Using savings that I put aside for this purpose 536 2 General savings 1413 3 Rely of family & friends to help cover costs 189 4 Rely on community to help cover costs 28 5 Sell something to cover the cost 593 6 Have a policy that will cover it 91 7 Borrow from bank 38 8 Borrow from a SACCO/MFI 51 9 Borrow from money lender in community 93 10 Borrow from family/friend 491 11 Other 576 12 Don't know/Haven't thought about it 2051 You have many dreams and ambitions you are working towards 6150 0 1 Agree 5801 2 Disagree 349 You have people in the community that you can turn to for help if you need to 6150 0 1 Agree 4471 2 Disagree 1679 You would rather turn to strangers then people in the community if you need financial help 6150 0 1 Agree 3819 2 Disagree 2331 You want to leave your children well taken care of 6150 0 1 Agree 5968 2 Disagree 182 It is the responsibility of government to take care of those who struggle to make a living 6150 0 1 Agree 5740 2 Disagree 410 6150 0 1 Agree 5665 2 Disagree 485 You believe that technology improves the quality of one’s life and you are willing to use it 6150 0 1 Agree 5515 2 Disagree 635 In the past year did any member of your household pass away? 6150 0 1 Yes 521 2 No 5629 Age group 521 5629 1 Yes 314 2 No 207 Sysmiss 5629 Age group 521 5629 1 Yes 100 2 No 421 Sysmiss 5629 Age group 521 5629 1 Yes 132 2 No 389 Sysmiss 5629 Did you lose the main income earner of the household? 331 5819 1 Yes 171 2 No 160 Sysmiss 5819 Weight 6150 0 560.669 1379.092 749.595 154.724