Rwanda FinScope Survey 2020_Financial Inclusion in Rwanda 2020 RWA-NISR-RFS-2020-v1 National Institute of Statistics of Rwanda 2020-07-02 Nesstar Publisher RWA-NISR-RFS-2020-v1 Rwanda FinScope 2020 Financial Inclusion in Rwanda 2020 RFS 2020 RWA-NISR-RFS-2020-v1 Access to Finance Rwanda (AFR) Ministry of Finance and Economic Planning National Bank of Rwanda National Institute of statistics of Rwanda Centre for Economic and Social Studies Finmark Trust 2020,Access to Finance Rwanda. Nesstar Publisher Government of Rwanda United Kingdom’s Department for International Development United States Agency for International Development Sweden The Master Card Foundation Access to Finance Rwanda Data Portals Management Officer Socio-Economic/Monitoring Survey [hh/sems] Edited, anonymous dataset for public use. This is the first version of the data description FinScope RWANDA FinScope data are at the National level coverage Basic units of analyisis were individuals and households. The target population eligible for FinScope survey is every 16 years old and above resident in selected households Sample survey data [ssd] Centre for Economic and Social Studies Face-to-face [f2f] National Institute of Statistics of Rwanda Access to Finance Rwanda. FinScope Rwanda Survey 2020 Public use file, access to all data-rfs-2020-v01.NSDstat 12480 1314 Nesstar 200801 Access to Finance Rwanda 12480 0 Household ID 12480 0 Household weight 12480 0 1.698 1460.204 223.215 212.618 Individual weight 12480 0 1.765 8447.306 571.447 676.389 Sampled village (PSU) 12480 0 11001 57780 35823.833 13674.301 Total Individuals 12480 0 1 769 2 1266 3 2121 4 2561 5 2226 6 1667 7 1000 8 498 9 232 10 87 11 32 12 15 13 3 14 3 Member of Household selected 12480 0 1 7577 2 3795 3 711 4 284 5 75 6 32 7 4 9 1 10 1 A1. PROVINCE 12480 0 1 Kigali City 1248 2 Southern Province 3328 3 Western Province 2912 4 Northern Province 2080 5 Eastern Province 2912 A2. District 12480 0 11 Nyarugenge 416 12 Gasabo 416 13 Kicukiro 416 21 Nyanza 416 22 Gisagara 416 23 Nyaruguru 416 24 Huye 416 25 Nyamagabe 416 26 Ruhango 416 27 Muhanga 416 28 Kamonyi 416 31 Karongi 416 32 Rutsiro 416 33 Rubavu 416 34 Nyabihu 416 35 Ngororero 416 36 Rusizi 416 37 Nyamasheke 416 41 Rulindo 416 42 Gakenke 416 43 Musanze 416 44 Burera 416 45 Gicumbi 416 51 Rwamagana 416 52 Nyagatare 416 53 Gatsibo 416 54 Kayonza 416 55 Kirehe 416 56 Ngoma 416 57 Bugesera 416 A3. Urban/Rural 12480 0 1 Urban 5951 2 Rural 6529 B0. Relationship with the Head of HH 12480 0 1 Head of Household 6933 2 Spouse 3637 3 Child 1556 4 Other relationship 277 5 No relationship 77 B1. Age of respondent 12480 0 16 167 17 180 18 167 19 190 20 199 21 144 22 166 23 220 24 163 25 299 26 200 27 258 28 262 29 263 30 456 31 255 32 373 33 314 34 323 35 478 36 347 37 392 38 358 39 362 40 349 41 245 42 258 43 202 44 170 45 280 46 196 47 219 48 206 49 213 50 235 51 170 52 193 53 134 54 135 55 178 56 168 57 167 58 126 59 161 60 176 61 109 62 135 63 108 64 99 65 152 66 100 67 115 68 78 69 96 70 106 71 63 72 62 73 60 74 51 75 67 76 30 77 60 78 30 79 39 80 33 81 20 82 18 83 18 84 23 85 18 86 13 87 15 88 6 89 11 90 5 91 5 92 1 93 2 94 4 95 4 96 3 98 1 99 3 B2. Sex of respondent 12480 0 1 Male 5190 2 Female 7290 B3. Brings money into HH 12480 0 1 Yes 10559 2 No 1921 B4. Eligible or not 12480 0 1 Eligible 12476 2 Not Eligible 4 B4B. Reason for none Eligibility 12480 0 1 Yes 12469 2 No, disability 3 3 No, not around for longtime 5 4 No,under 16 years old 1 5 No, other(specify) 2 B5. Education 12480 0 1 No formal education 2514 2 Primary 1-3 1608 3 Primary 4-6 4906 4 Secondary 1-3 1297 5 Secondary 4-6, 1311 6 University or other higher education 685 7 Vocational training 152 8 Don?t know 7 9 N/A 0 Is respondent available for interview 12480 0 1 Yes, available for interview 12479 2 Yes, refused to respond 1 3 No, not available for interview 0 Does respondent have to be replaced 1 12479 1 Call backs 1 2 0 Sysmiss 12479 Is respondent available for interview 3 12477 1 Yes, available for interview 3 2 Yes, refused to respond 0 3 No, not available for interview 0 Sysmiss 12477 B6. Indicate reason for replacement and end the interview 1 12479 1 Not able to secure interview within 3 call backs 1 2 Interview refused by household member 0 3 Interview refused by selected respondent 0 4 Others (specify) 0 Sysmiss 12479 B7. Respondent status 12480 0 1 Originally sampled respondent 12422 2 Replaced respondent 58 C0. Household size 12480 0 1 770 2 1265 3 2122 4 2562 5 2228 6 1665 7 1000 8 496 9 231 10 87 11 32 12 15 13 4 14 3 C1. Respondent is the head of HH 12480 0 1 Respondent is the head of the household 7093 2 Respondent is not the head of the household 5387 C1A. Age of head of HH 5387 7093 19 99 99 Don't know 2 C1B. Gender of the head of HH 5387 7093 1 Male 4506 2 Female 881 Sysmiss 7093 C1C. Education completed by the head of HH 5387 7093 1 No formal education 1135 2 Primary 1-3 752 3 Primary 4-6 2159 4 Secondary 1-3 429 5 Secondary 4-6, 457 6 University or other higher education 352 7 Vocational training 79 8 Don?t know 24 Sysmiss 7093 C1D. Head of HH brings money into HH 5387 7093 1 Yes 4945 2 No 442 Sysmiss 7093 C1E. People depending on HH income 5386 7094 1 7 2 338 3 788 4 1128 5 1079 6 892 7 571 8 311 9 163 10 65 11 22 12 12 13 3 14 5 15 2 Sysmiss 7094 C1F. Relationship to the head of HH 5387 7093 1 Spouse/partner 3528 2 Child 1480 3 Parent/parent in-law 95 4 Other relative 203 5 Tenant 6 6 Housekeeper, 67 7 Other 8 Sysmiss 7093 C2. Age of respondent 12480 0 16 167 17 180 18 167 19 190 20 199 21 144 22 166 23 220 24 163 25 299 26 200 27 258 28 262 29 263 30 456 31 255 32 373 33 314 34 323 35 478 36 347 37 392 38 358 39 362 40 349 41 245 42 258 43 202 44 170 45 280 46 196 47 219 48 206 49 213 50 235 51 170 52 193 53 134 54 135 55 178 56 168 57 167 58 126 59 161 60 176 61 109 62 135 63 108 64 99 65 152 66 100 67 115 68 78 69 96 70 106 71 63 72 62 73 60 74 51 75 67 76 30 77 60 78 30 79 39 80 33 81 20 82 18 83 18 84 23 85 18 86 13 87 15 88 6 89 11 90 5 91 5 92 1 93 2 94 4 95 4 96 3 98 1 99 3 C3. Sex of respondent 12480 0 1 Male 5190 2 Female 7290 C4A. Education completed 12480 0 1 No formal education 2598 2 Primary 1-3 1664 3 Primary 4-6 4879 4 Secondary 1-3 1260 5 Secondary 4-6, 1262 6 University or other higher education 692 7 Vocational training 125 8 Don?t know 0 C4B. Marital Status 12480 0 1 Never married 2217 2 married 7165 3 Living together 658 4 Divorced/Separated 637 5 Widowed 1803 C4C. Disability 12480 0 1 Yes 2039 2 No 10441 C4D. Type of Disability 2039 10441 1 Blind 284 2 Legs/Arms disabilities 970 3 Other (specify) 785 Sysmiss 10441 12480 0 1 Many times 3075 2 A few times 4727 3 Never 4656 4 Refused/Don?t know 22 C5B. Time to go without medical treatment/medicine 12480 0 1 Many times 1514 2 A few times 3996 3 Never 6911 4 Refused/Don?t know 59 C5C. Time not been able to send children to school 12480 0 1 Many times 1730 2 A few times 2887 3 Never 5946 4 Refused 93 5 NA/ Don't know 1824 C5D. Time going without cash and make a plan for daily needs 12480 0 1 Many times 6133 2 A few times 4343 3 Never 1897 4 Refused 26 5 NA/ Don't know 81 C6A. Number of rooms 12480 0 1 297 2 1416 3 3907 4 4186 5 1926 6 541 7 138 8 48 9 10 10 11 C6B. Number of rooms used for sleeping 12480 0 1 2002 2 5694 3 3803 4 779 5 174 6 24 7 3 8 1 C6C. People sleeping in this dwelling 12480 0 1 804 2 1386 3 2200 4 2685 5 2216 6 1597 7 868 8 433 9 180 10 67 11 24 12 16 13 2 14 2 C7. Setence describing your situation 12480 0 1 You own this dwelling 10184 2 You own this dwelling together with someone else 126 3 Owned by a member/other member of the household (not you) o 388 4 You/your household rent this dwelling 1116 5 The dwelling is provided to you/your household rent free 620 6 Does not know 32 7 Other 14 C7A. How did you get the dwelling 10324 2156 1 Bought it, 759 2 Built it 8360 3 Inherited it 294 4 Got it for free 863 5 Other (Specify) 48 Sysmiss 2156 C7B1. First major source of the money to buy or build the house 9181 3299 1 Loan from a bank 450 2 Loan from a MFI or a non-umurenge SACCO 147 3 Loan from an umurenge SACCO 100 4 Borrowed from money lender 6 5 Borrowed from savings club, tontine, ikibina 347 6 Borrowed from employer 25 7 Borrowed from family/friends 97 8 Pension pay-out 21 9 Used my/our savings 6707 10 Inherited money 409 11 Other 872 Sysmiss 3299 C7B2. Second major sources of money to buy or build the house 9176 3304 1 Loan from a bank 128 2 Loan from a MFI or a non-umurenge SACCO 50 3 Loan from an umurenge SACCO 44 4 Borrowed from money lender 2 5 Borrowed from savings club, tontine, ikibina 289 6 Borrowed from employer 23 7 Borrowed from family/friends 161 8 Pension pay-out 11 9 Used my/our savings 672 10 Inherited money 262 11 Other 818 12 none 6716 Sysmiss 3304 C7C. Owing money on the dwelling 9172 3308 1 Yes 514 2 No 8544 3 Don't know 114 Sysmiss 3308 C7D. Having a title deed for the land/plot where your dwelling is 10324 2156 1 Yes 8428 2 No 1896 Sysmiss 2156 C7E. Owning other dwellings 10324 2156 1 Yes 1480 2 No 8844 Sysmiss 2156 C8A. Never move and probably spend whole life in the dwelling 10324 2156 1 True 7401 2 False 2617 3 N/A 306 Sysmiss 2156 C8B. Dwelling is something to keep and never sell 10324 2156 1 True 7718 2 False 2284 3 N/A 322 Sysmiss 2156 C8C. Plan to sell this dwelling and buy a different one 10324 2156 1 True 1084 2 False 8910 3 N/A 330 Sysmiss 2156 C8D. Plan to move out of this dwelling and move to another one 10324 2156 1 True 1206 2 False 8792 3 N/A 326 Sysmiss 2156 C8E. Sell dwelling for need of large sum of money 10324 2156 1 True 2250 2 False 7695 3 N/A 379 Sysmiss 2156 C8F. Use of dwelling as security when borrowingmoney 10324 2156 1 True 3362 2 False 6561 3 N/A 401 Sysmiss 2156 C8G. Dwelling as an investment that increases in value over time 10324 2156 1 True 6772 2 False 3272 3 N/A 280 Sysmiss 2156 C8H. Dwelling as asset used to earn money 10324 2156 1 True 2184 2 False 7856 3 N/A 284 Sysmiss 2156 C8I. Having enlarged or plan to enlarge dwelling 10324 2156 1 True 3139 2 False 6779 3 N/A 406 Sysmiss 2156 C8J1. Loan from financial institution as source 614 11866 1 Yes 614 Sysmiss 11866 C8J2. Borrow from money lender 32 12448 2 Yes 32 Sysmiss 12448 C8J3. Borrow from savings group, tontine 998 11482 3 Yes 998 Sysmiss 11482 C8J4. Borrowed from employer 52 12428 4 Yes 52 Sysmiss 12428 C8J5. Borrow from family or friends 192 12288 5 Yes 192 Sysmiss 12288 C8J6. Pension pay-out 33 12447 6 Yes 33 Sysmiss 12447 C8J7. Use my or our savings 2000 10480 7 Yes 2000 Sysmiss 10480 C9A1. Main materials used for the roof 12480 0 1 Iron sheets 8825 2 Unburnt clay tiles 3531 3 Factory made clay tiles 118 4 Asbestos 2 5 Concrete cement 0 6 Polythene cover 1 7 Glass 0 8 Other (mention)?? 3 C9A2. Main materials used for the walls 12480 0 1 Mud and trees 3057 2 Cement and trees 775 3 Unburnt Mud bricks 7576 4 Polythene cover 5 5 Cement bricks 144 6 Stones 23 7 Timber 38 8 Burnt mud bricks 808 9 Don't know 48 10 Other (mention)?? 6 C9A3. Main materials used for the floor 12480 0 1 Soil 7193 2 Cement/tiles 5159 3 Stones 40 4 Burnt mud bricks 70 5 Timber 1 6 Other (mention)???. 17 C9B. Main source of drinking water for HH members 12480 0 1 Piped Into Dwelling 407 2 Piped To Yard/Plot 2209 3 Public Tap/Standpipe 4748 4 Tube Well Or Borehole 303 5 Protected Well 706 6 Unprotected Well 421 7 Protected Spring 2286 8 Unprotected Spring 836 9 Rainwater 45 10 Tanker Truck 7 11 476 12 Other (specify) 36 C10A. Shared toilet or not 12480 0 1 Own household toilet, 11617 2 Share toilet with other households 758 3 Don?t have toilet facilities at all 105 C10B. Type of toilet facility mostly used 12375 105 1 Flush toilet, 776 2 Pit Latrine with constructed floor slab, 9906 3 Pit latrine without constructed floor slab 1657 4 Other (specify) 36 5 None 0 Sysmiss 105 C11A. Main source of energy used for cooking 12480 0 1 Firewood, 9416 2 Charcoal 2373 3 Gas 640 4 Biogaz, 9 5 Solar power 0 6 Electricity 2 7 Oil/kerosene 0 8 Crop waste 25 9 Animal dung, 1 10 Other (specify) 14 C11B. Main source of lighting 12480 0 1 Electricity from EUCL (former EWSA) 5979 2 Other electricity distributors 252 3 Bio Gas 6 4 Generator 2 5 Oil Lamp 3161 6 Firewood 305 7 Candle, 627 8 Lantern (Agatadowa), 332 9 Solar panel 1340 10 Batteries + Bulb 216 11 Other (specify) 260 C12. Household asset ownership - Owning Hoe, Axe, Sickle/Machete 12480 0 1 Yes 11229 2 No 1251 C12. Household asset ownership - Wheelbarrow 12480 0 1 Yes 576 2 No 11904 C12. Household asset ownership - Plough/Ox Plough 12480 0 1 Yes 18 2 No 12462 C12. Household asset ownership - Ox/donkey cart 12480 0 1 Yes 13 2 No 12467 C12. Household asset ownership - Processing equipment 12480 0 1 Yes 45 2 No 12435 C12. Household asset ownership - Radio 12480 0 1 Yes 6642 2 No 5838 C12. Household asset ownership - Tape/CD player 12480 0 1 Yes 2410 2 No 10070 C12. Household asset ownership - Television 12480 0 1 Yes 2654 2 No 9826 C12. Household asset ownership - Bicycle 12480 0 1 Yes 1452 2 No 11028 C12. Household asset ownership - Fishing boat / canoe 12480 0 1 Yes 16 2 No 12464 C12. Household asset ownership - Fishing net 12480 0 1 Yes 15 2 No 12465 C12. Household asset ownership - Lounge suit/Sofa 12480 0 1 Yes 7327 2 No 5153 C12. Household asset ownership - Beds 12480 0 1 Yes 9536 2 No 2944 C12. Household asset ownership - Sewing machine 12480 0 1 Yes 398 2 No 12082 C12. Household asset ownership - Wardrobe 12480 0 1 Yes 1510 2 No 10970 C12. Household asset ownership - Motorized Vehicle of any kind 12480 0 1 Yes 698 2 No 11782 C13A. Ubudehe category 12480 0 1 1st category 1792 2 2nd category 4852 3 3rd category 5611 4 4th category 38 5 Appelled 53 6 Don?t know 134 C13B. Changing Ubudehe in the past 12346 134 1 Yes 679 2 No 11600 3 Don't know 67 Sysmiss 134 C13C. Your category before changing 684 11796 1 1st category 185 2 2nd category 175 3 3rd category 295 4 4th category 15 5 5th category 0 6 6th category 1 7 Don't know 13 Sysmiss 11796 C13D. Direct cash transfer received from VUP 12480 0 1 Yes 809 2 No 11592 3 Don't know 79 C14, Technology access/Connectivity - Access to a Cell phone 12480 0 1 Yes, have access 10738 2 No, don?t have access 1742 C14, Technology access/Connectivity - Owning cell phone 10738 1742 1 Own 9088 2 Household own 1650 Sysmiss 1742 C14, Technology access/Connectivity - Access to a Public phone/Landline 12480 0 1 Yes, have access 1434 2 No, don?t have access 11046 C14, Technology access/Connectivity - Owning landline 1434 11046 1 Own 1023 2 Household own 411 Sysmiss 11046 C14, Technology access/Connectivity - Access to Computer 12480 0 1 Yes, have access 2071 2 No, don?t have access 10409 C14, Technology access/Connectivity - Owning computer 2071 10409 1 Own 979 2 Household own 1092 Sysmiss 10409 C14, Technology access/Connectivity - Access to internet 12480 0 1 Yes, have access 2753 2 No, don?t have access 9727 C14, Technology access/Connectivity - Owning internet 2753 9727 1 Own 1821 2 Household own 932 Sysmiss 9727 D1. Access to infrastructure - Time to get to the nearest Market 12480 0 1 Less than 15 minutes 2924 2 Between 15 and 30 minutes 3197 3 Between 31 and 60 minutes 2547 4 More than 60 minutes 3743 5 Don?t know 69 12480 0 1 Walk 11275 2 Bicycle 331 3 Moto 297 4 Vehicle 484 5 Boat 24 6 N/A 69 D1. Access to infrastructure - Time to get to the nearest Cell office 12480 0 1 Less than 15 minutes 4276 2 Between 15 and 30 minutes 4422 3 Between 31 and 60 minutes 2665 4 More than 60 minutes 1063 5 Don?t know 54 12480 0 1 Walk 12017 2 Bicycle 171 3 Moto 106 4 Vehicle 130 5 Boat 6 6 N/A 50 D1. Access to infrastructure - Distance to get to the nearest Sector office 12480 0 1 Less than 500m 1734 2 Between 500m and 1Km 2315 3 Between 1Km and 2Km 2361 4 Between 3Km and 5Km 2903 5 More than 5Km 2610 6 Don?t know 557 D1. Access to infrastructure - Time to get to the nearest Sector office 12480 0 1 Less than 15 minutes 2277 2 Between 15 and 30 minutes 3247 3 Between 31 and 60 minutes 3275 4 More than 60 minutes 3623 5 Don?t know 58 12480 0 1 Walk 11312 2 Bicycle 295 3 Moto 415 4 Vehicle 385 5 Boat 9 6 N/A 64 D1. Access to infrastructure - Time to get to the nearest School 12480 0 1 Less than 15 minutes 5049 2 Between 15 and 30 minutes 4611 3 Between 31 and 60 minutes 2050 4 More than 60 minutes 692 5 Don?t know 78 12480 0 1 Walk 11992 2 Bicycle 107 3 Moto 53 4 Vehicle 83 5 Boat 5 6 N/A 240 D1. Access to infrastructure - Time to get to the nearest Health care facility 12480 0 1 Less than 15 minutes 3080 2 Between 15 and 30 minutes 4060 3 Between 31 and 60 minutes 3175 4 More than 60 minutes 2111 5 Don?t know 54 12480 0 1 Walk 11714 2 Bicycle 229 3 Moto 237 4 Vehicle 234 5 Boat 15 6 N/A 51 D1. Access to infrastructure - Distance to get to the nearest U_SACCO 12480 0 1 Less than 500m 1836 2 Between 500m and 1Km 2442 3 Between 1Km and 2Km 2431 4 Between 3Km and 5Km 2738 5 More than 5Km 2352 6 Don?t know 681 D1. Access to infrastructure - Time to get to the nearest U_SACCO 12480 0 1 Less than 15 minutes 2426 2 Between 15 and 30 minutes 3428 3 Between 31 and 60 minutes 3221 4 More than 60 minutes 3219 5 Don?t know 186 12480 0 1 Walk 11206 2 Bicycle 258 3 Moto 287 4 Vehicle 305 5 Boat 12 6 N/A 412 D1. Access to infrastructure - Distance to get to the nearest MFI 12480 0 1 Less than 500m 1213 2 Between 500m and 1Km 1702 3 Between 1Km and 2Km 1569 4 Between 3Km and 5Km 1746 5 More than 5Km 2545 6 Don?t know 3705 D1. Access to infrastructure - Time to get to the nearest MFI 12480 0 1 Less than 15 minutes 1686 2 Between 15 and 30 minutes 2423 3 Between 31 and 60 minutes 2043 4 More than 60 minutes 2937 5 Don?t know 3391 12480 0 1 Walk 7614 2 Bicycle 229 3 Moto 339 4 Vehicle 751 5 Boat 20 6 N/A 3527 D1. Access to infrastructure - Distance to get to the nearest Bank branch 12480 0 1 Less than 500m 1461 2 Between 500m and 1Km 2042 3 Between 1Km and 2Km 1767 4 Between 3Km and 5Km 2219 5 More than 5Km 3529 6 Don?t know 1462 D1. Access to infrastructure - Time to get to the nearest Bank branch 12480 0 1 Less than 15 minutes 2091 2 Between 15 and 30 minutes 2850 3 Between 31 and 60 minutes 2399 4 More than 60 minutes 4152 5 Don?t know 988 12480 0 1 Walk 9619 2 Bicycle 295 3 Moto 421 4 Vehicle 840 5 Boat 23 6 N/A 1282 D1. Access to infrastructure - Distance to get to the nearest ATM 12480 0 1 Less than 500m 1357 2 Between 500m and 1Km 1673 3 Between 1Km and 2Km 1425 4 Between 3Km and 5Km 1744 5 More than 5Km 2767 6 Don?t know 3514 D1. Access to infrastructure - Time to get to the nearest ATM 12480 0 1 Less than 15 minutes 1867 2 Between 15 and 30 minutes 2353 3 Between 31 and 60 minutes 1890 4 More than 60 minutes 3146 5 Don?t know 3224 12480 0 1 Walk 7632 2 Bicycle 274 3 Moto 400 4 Vehicle 825 5 Boat 15 6 N/A 3334 D1. Access to infrastructure - Distance to get to the nearest Bank agent 12480 0 1 Less than 500m 1673 2 Between 500m and 1Km 1852 3 Between 1Km and 2Km 1397 4 Between 3Km and 5Km 1497 5 More than 5Km 2053 6 Don?t know 4008 D1. Access to infrastructure - Time to get to the nearest Mobile van 12480 0 1 Less than 15 minutes 2281 2 Between 15 and 30 minutes 2310 3 Between 31 and 60 minutes 1748 4 More than 60 minutes 2405 5 Don?t know 3736 12480 0 1 Walk 7659 2 Bicycle 229 3 Moto 263 4 Vehicle 451 5 Boat 16 6 N/A 3862 12480 0 1 Less than 500m 6403 2 Between 500m and 1Km 2602 3 Between 1Km and 2Km 1307 4 Between 3Km and 5Km 870 5 More than 5Km 472 6 Don?t know 826 D1. Access to infrastructure - Time to the nearest Mobile money agent 12480 0 1 Less than 15 minutes 7423 2 Between 15 and 30 minutes 2849 3 Between 31 and 60 minutes 1253 4 More than 60 minutes 580 5 Don?t know 375 12480 0 1 Walk 11813 2 Bicycle 107 3 Moto 25 4 Vehicle 28 5 Boat 10 6 N/A 497 12480 0 1 Less than 500m 1266 2 Between 500m and 1Km 1861 3 Between 1Km and 2Km 1583 4 Between 3Km and 5Km 3352 5 More than 5Km 4418 6 Don?t know 0 D1. Access to infrastructure - Time to the nearest Insurance branch 12480 0 1 Less than 15 minutes 1000 2 Between 15 and 30 minutes 1279 3 Between 31 and 60 minutes 1124 4 More than 60 minutes 1337 5 Don?t know 3078 6 4662 12480 0 1 Walk 5946 2 Bicycle 215 3 Moto 404 4 Vehicle 1417 5 Don?t need to ? it is close 4498 E1. Responsible for money mgmt decisions at HH 12480 0 1 You alone, 3498 2 You and your spouse/partner, 6924 3 You and other household/family members, 936 4 You are not involved in these decisions 1031 5 Another family member or (or family members) 91 EF2. Financial products awareness - Saving account at a bank 10102 2378 1 Yes 10102 Sysmiss 2378 EF2. Financial products awareness - Loan account from a bank 7772 4708 2 Yes 7772 Sysmiss 4708 EF2. Financial products awareness - Cebit card/Bank card 4819 7661 3 Yes 4819 Sysmiss 7661 EF2. Financial products awareness - Bank card 4956 7524 4 Yes 4956 Sysmiss 7524 EF2. Financial products awareness - Internet banking 2981 9499 5 Yes 2981 Sysmiss 9499 EF2. Financial products awareness - Women banking account 4548 7932 6 Yes 4548 Sysmiss 7932 EF2. Financial products awareness - MFI 6917 5563 7 Yes 6917 Sysmiss 5563 EF2. Financial products awareness - U_SACCOs 11133 1347 8 Yes 11133 Sysmiss 1347 EF2. Financial products awareness - MoM 8870 3610 9 Yes 8870 Sysmiss 3610 EF2. Financial products awareness - Medical insurance 9306 3174 10 10 10 Yes 9306 EF2. Financial products awareness - Life insurance 5026 7454 11 11 11 Yes 5026 EF2. Financial products awareness - Micro insurance_Agriculture insurance 3726 8754 12 12 12 Yes 3726 EF2. Financial products awareness - Third party insurance 3643 8837 13 13 13 Yes 3643 EF2. Financial products awareness - Deposit guarantee fund 1275 11205 14 14 14 Yes 1275 EF2. Financial products awareness - Credit Reference Bureau 983 11497 15 15 15 Yes 983 EF2. Financial products awareness - Don't know 462 12018 16 16 16 Yes 462 EF3. Financial behaviour statement - Before you buy something, you carefully con 12480 0 1 Always 7894 2 Often 2141 3 Sometime 1935 4 Seldom 270 5 Never 193 6 Do not know 47 EF4. Financial behaviour statement - Paying bills on time 12480 0 1 Always 3632 2 Often 1947 3 Sometime 1737 4 Seldom 559 5 Never 3105 6 Do not know 1500 EF5. Financial behaviour statement - Keeping close personal watch on financial a 12480 0 1 Always 4936 2 Often 2643 3 Sometime 2390 4 Seldom 718 5 Never 1412 6 Do not know 381 EF6. Financial behaviour statement - Setting long_term financial goals and work 12480 0 1 Always 4040 2 Often 2522 3 Sometime 2835 4 Seldom 1048 5 Never 1744 6 Do not know 291 EF7. Financial behaviour statement - Income not covering living costs 12480 0 1 On a monthly basis 5677 2 Sometine (more than 2 months past 2 months) 4039 3 Rarely (less than 2 months) 1061 4 Never 1703 EF8. Coping startegies to make ends meet - Draw money out of savings from bank_M 967 11513 1 Yes 967 Sysmiss 11513 EF8. Coping startegies to make ends meet - Cut back on spending 4398 8082 2 Yes 4398 Sysmiss 8082 EF8. Coping startegies to make ends meet - Sell something that I own 1529 10951 3 Yes 1529 Sysmiss 10951 EF8. Coping startegies to make ends meet - Work overtime, earn extra money 942 11538 4 Yes 942 Sysmiss 11538 EF8. Coping startegies to make ends meet - Borrow food or money from family or f 2436 10044 5 Yes 2436 Sysmiss 10044 EF8. Coping startegies to make ends meet - Borrow from employer/salary advance 162 12318 6 Yes 162 Sysmiss 12318 EF8. Coping startegies to make ends meet - Borrow money from from a bank_MoM_SAC 388 12092 7 Yes 388 Sysmiss 12092 EF8. Coping startegies to make ends meet - Pawn something that I own 100 12380 8 Yes 100 Sysmiss 12380 EF8. Coping startegies to make ends meet - Take a loan from my savings and loans 2968 9512 9 Yes 2968 Sysmiss 9512 EF8. Coping startegies to make ends meet - Take money out of a flexible home loa 107 12373 10 10 10 Yes 107 EF8. Coping startegies to make ends meet - Apply for loan/withdrawal on pension 11 12469 11 11 11 Yes 11 EF8. Coping startegies to make ends meet - Other 1037 11443 12 12 12 Yes 1037 EF8. Coping startegies to make ends meet - Not applicable 269 12211 13 13 13 Yes 269 EF9. Setting aside emergency or rainy day funds 12480 0 1 Yes 3539 2 No, 8941 EF1. Over indebtedness - Have missed more than 2 months debt repymt in the past 12480 0 1 Yes 1577 2 No 10729 3 Do not know 174 EF1. Over indebtedness - Have 4 or more credit commitments 12480 0 1 Yes 1222 2 No 11150 3 Do not know 108 EF1. Over indebtedness - Credit_borrowing commitments are a heavy burden 12480 0 1 Yes 2861 2 No 9554 3 Refused to answer 65 EF1. Have enough money left for savings after covering all spending needs 12480 0 1 Yes 5300 2 No 7126 3 Do not remember 54 EF11. Financial skills - Friends sharing 20000 Rwf equally 12480 0 1 Correct 8750 2 Incorrect 2881 3 Irrelevant answer 188 4 Do not know 651 5 Refused to answer 10 EF12. Financial skills - Friends waiting for one year to get their share of the 12480 0 1 More with their share of the money than they could today 3326 2 The same amount 5776 3 Or, less than they could buy today 1997 4 Do not know 1348 5 Refused to answer 33 12480 0 1 Correct 8308 2 Incorrect 3215 3 Irrelevant answer 450 4 Do not know 501 5 Refused to answer 6 E6. Financial skills - Comparing options and choose the best one that suits your 12480 0 1 Completely agree 7732 2 Agree 4318 3 Disagree 221 4 Completely disagree 46 5 Don't know 163 E6. Financial skills - Knowing what to do when not satisfied with a financial se 12480 0 1 Completely agree 4103 2 Agree 3797 3 Disagree 1835 4 Completely disagree 668 5 Don't know 2077 E6. Financial skills - Confident enough to make a complaint 12480 0 1 Completely agree 5374 2 Agree 3906 3 Disagree 1137 4 Completely disagree 463 5 Don't know 1600 E6. Financial skills - Don not mind being in debt as long as you have what you n 12480 0 1 Completely agree 1344 2 Agree 1491 3 Disagree 5521 4 Completely disagree 3638 5 Don't know 486 E6. Financial skills - Understanding terms and conditions in the contract with a 12480 0 1 Completely agree 7342 2 Agree 3858 3 Disagree 331 4 Completely disagree 177 5 Don't know 772 E7. Transparency - Do you feel that the information on financial products or ser 12480 0 1 Yes 7178 2 No 796 3 Do not know/ do not have any financial products 4506 E7. Transparency - Taken a financial product/service and later surprised about i 7178 5302 1 Yes 1248 2 No 5902 3 Cannot remember 28 Sysmiss 5302 E7. Transparency - Were informed of changes to fees or charges of financial prod 7178 5302 1 Yes 4568 2 No 2486 3 Cannot remember 124 Sysmiss 5302 E7. Transparency - Wsa information provided in a language you understand? 4568 7912 1 Yes 4539 2 No 29 Sysmiss 7912 E7. Transparency - How was the information communicated to you 4584 7896 1 Verbally 3368 2 Written document 1192 3 Other (specify) 24 Sysmiss 7896 E7. Transparency - What woul you wished to have been informed on? 2656 9824 1 1. New fees/charges 864 2 2. When it would start 128 3 3. Give me options on payment 318 4 4. Fees and charges related to financial products 544 5 5. Terms and conditions of financial products 494 6 6. Other (specify) 308 Sysmiss 9824 E7. Transparency - Reason that the information was not understandable 825 11655 1 1. Small font 76 2 2. Crucial elements of information were not disclosed in pro 167 3 3. Use of difficult language 67 4 4. Not provided in language I understand 136 5 5. I cannot read and the information was not explained to me 48 6 6. Other (specify) 331 Sysmiss 11655 E7. Transparency - Do you trust financial services' advertising 12480 0 1 Yes 10821 2 No 1659 E7. Transparency - Do you budget for your money 12480 0 1 Always 7347 2 Sometimes 4257 3 Never 876 E7. Financial Planning - You know the money spent personally in the last 7 days 12480 0 1 Yes, exactly 5734 2 Yes, I have a rough idea 3607 3 No 2313 4 No expense 826 E7. Financial Planning - Do you keep track of money you get and spend 12480 0 1 Always 6236 2 Sometimes 4810 3 Never 1434 E7. Financial Planning - How often you have money left after covering all your s 12480 0 1 Always 1212 2 Sometimes 7544 3 Never 3724 E7.13. Financial Planning - Save or keep money for different reasons 7898 4582 1 Yes 7898 Sysmiss 4582 E7.13. Financial Planning - Invest money in business 726 11754 2 Yes 726 Sysmiss 11754 E7.13. Financial Planning - Invest money in assets 784 11696 3 Yes 784 Sysmiss 11696 E7.13. Financial Planning - Spend money on non_essentials 496 11984 4 Yes 496 Sysmiss 11984 E7.13. Financial Planning - Lend it to others 138 12342 5 Yes 138 Sysmiss 12342 E7.13. Financial Planning - Repay debts 1114 11366 6 Yes 1114 Sysmiss 11366 E7.13. Financial Planning - Other 250 12230 7 Yes 250 Sysmiss 12230 E7.14 Consumer empowerment - Do you feel that financial institutions treat you f 12480 0 1 Yes 7474 2 No 501 3 Don?t know 637 4 3868 E7.14 Consumer empowerment - Ever been threatened, humiliating by a financial se 12480 0 1 Yes 485 2 No 8086 3 N/A/never used 3909 E7.14 Consumer empowerment - Ever been taken advantage of or misguided by a fina 12480 0 1 Yes 426 2 No 8116 3 Never used 3938 E7.14 Consumer empowerment - Ever been sold a financial product and later realis 12480 0 1 Yes 311 2 No 8203 3 Never used 2827 4 Don't know 1139 E7.14 Consumer empowerment - Ever been sold a loan without an assessement of you 12480 0 1 Yes 227 2 No 8788 3 Don't know 3465 EF14. Meeting goals - Currently trying to achieve a goal that requires a lot of 12480 0 1 Yes 6682 2 No 5798 EF15. Meeting goals - Main goal that you are currently trying to achieve 6682 5798 1 Buy land 1004 2 Buy or build a house / apartment to live in 1530 3 Buy or build a house / apartment for renting or re-sale 343 4 Move to your own / a better house or apartment 198 5 Pay for a big life event (e.g. wedding, birth of a child) 64 6 Education for self or family 666 7 Pay for holiday / visit / travel 33 8 Buy or pay for things for personal use (e.g. vehicle, TV, ph 209 9 Buy inputs / assets for business / agricultural activities ( 533 10 Start or expand a business 1441 11 Other (SPECIFY) 654 12 None of these (DO NOT READ OUT) 0 13 Don't know (DO NOT READ OUT) 7 Sysmiss 5798 EF16.1 Meeting goals - Borrowed from a bank or other formal institution 863 11617 1 Yes 863 Sysmiss 11617 EF16.1 Meeting goals - Borrowed from money lender (loan shark) 34 12446 2 Yes 34 Sysmiss 12446 EF16.1 Meeting goals - Borrowed from saving group 1060 11420 3 Yes 1060 Sysmiss 11420 EF16.1 Meeting goals - Took a loan / advance from my employer 52 12428 4 Yes 52 Sysmiss 12428 EF16.1 Meeting goals - Borrowed from family or friends or community or church or 122 12358 5 Yes 122 Sysmiss 12358 EF16.1 Meeting goals - Took a loan from a shopkeeper 21 12459 6 Yes 21 Sysmiss 12459 EF16.1 Meeting goals - Borrowed from a digital app_based lender e.g. Mokash 33 12447 7 Yes 33 Sysmiss 12447 EF16.1 Meeting goals - Used savings held at a bank or Post Bank or Insurance pro 389 12091 8 Yes 389 Sysmiss 12091 EF16.1 Meeting goals - Used savings from a saving club 1292 11188 9 Yes 1292 Sysmiss 11188 EF16.1 Meeting goals - Used savings held with friends or family 260 12220 10 10 10 Yes 260 EF16.1 Meeting goals - Used savings held in a secret hiding place 376 12104 11 11 11 Yes 376 EF16.1 Meeting goals - Sold livestock 768 11712 12 12 12 Yes 768 EF16.1 Meeting goals - Sold other assets, not livestock 145 12335 13 13 13 Yes 145 EF16.1 Meeting goals - Got assistance or gift from friends or family or communit 175 12305 14 14 14 Yes 175 EF16.1 Meeting goals - Cut back on expenses or adjust consumption patterns 709 11771 15 15 15 Yes 709 EF16.1 Meeting goals - Got goods or items on credit 42 12438 16 16 16 Yes 42 EF16.1 Meeting goals - Worked more or got additional jobs 1255 11225 17 17 17 Yes 1255 EF16.1 Meeting goals - Hire purchase 77 12403 18 18 18 Yes 77 EF16.1 Meeting goals - Education insurance 16 12464 19 19 19 Yes 16 EF16.1 Meeting goals - Other 928 11552 20 20 20 Yes 928 EF16.1 Meeting goals - Don't know 121 12359 21 21 21 Yes 121 EF16.1 Meeting goals - Refused to Answer 88 12392 22 22 22 Yes 88 E16.2 Meeting goals - Main device used or are using to pay for archieving the go 6474 6006 1 Borrowed from a bank or other formal institution 794 2 Borrowed from money lender (loan shark) 16 3 Borrowed from saving group 791 4 Took a loan / advance from my employer 36 5 Borrowed from family / friends / community / church / mosque 58 6 Took a loan from a shopkeeper 4 7 Borrowed from a digital app-based lender e.g. Mokash 9 8 Used savings held at a bank / Post Bank / Insurance provider 313 9 Used savings from a saving club 959 10 Used savings held with friends / family 152 11 Used savings held in a secret hiding place 251 12 Sold livestock 592 13 Sold other assets, not livestock (e.g. car, business, househ 106 14 Got assistance / gift from friends / family / community (whi 120 15 Cut back on expenses/ adjust consumption patterns 318 16 Got goods/items on credit 14 17 Worked more / got additional jobs 997 18 Hire purchase 44 19 Education insurance 12 20 Other (SPECIFY) 877 21 Don't know (DO NOT READ OUT) 6 22 Refused to Answer (DO NOT READ OUT) 5 Sysmiss 6006 QF1. Ever used - Commercial Bank 12480 0 1 Yes 2557 2 No 9923 QF1. Ever used - Microfinance institution 12480 0 1 Yes 1020 2 No 11460 QF1. Ever used - Non-Deposit Taking Lending Financial 12480 0 1 Yes 57 2 No 12423 QF1. Ever used - Mobile money operator 12480 0 1 Yes 3611 2 No 8869 QF1. Ever used - Umurenge SACCO 12480 0 1 Yes 4424 2 No 8056 QF1. Ever used - Insurance provider 12480 0 1 Yes 177 2 No 12303 QF1. Ever used - Pension fund administrator 12480 0 1 Yes 149 2 No 12331 QF1. Ever used - Savings group that you save with or borrow from 12480 0 1 Yes 6645 2 No 5835 QF1. Ever used - Village/community association 12480 0 1 Yes 877 2 No 11603 QF1. Ever used - None of the above 12480 0 1 Yes 1947 2 No 10533 QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves] - Commercial bank 2557 9923 1 Yes 2550 2 No 7 Sysmiss 9923 QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves] - Microfinance institution (non-umurenge) 1020 11460 1 Yes 1009 2 No 11 Sysmiss 11460 QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves] - Non-Deposit Taking Lending Financial Institutions (NDFI) 57 12423 1 Yes 54 2 No 3 Sysmiss 12423 QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves] - Mobile money operator 3611 8869 1 Yes 3594 2 No 17 Sysmiss 8869 QF2. Offer at least one of [Savings, money transfers, insurance, credit or inves] - Umurenge SACCO 4424 8056 1 Yes 4367 2 No 57 Sysmiss 8056 QF3. Offer digital services - Commercial Bank 2557 9923 1 Yes 2366 2 No 191 Sysmiss 9923 QF3. Offer digital services - Microfinance institution 1020 11460 1 Yes 482 2 No 538 Sysmiss 11460 QF3. Offer digital services - Non-Deposit Taking Lending Financial (NDFI) 57 12423 1 Yes 38 2 No 19 Sysmiss 12423 QF3. Offer digital services - Mobile money operator 3611 8869 1 Yes 3032 2 No 579 Sysmiss 8869 QF3. Offer digital services - Umurenge SACCO 4424 8056 1 Yes 1220 2 No 3204 Sysmiss 8056 QF4. Registered in own name - Commercial Bank 2557 9923 1 Yes 2366 2 No 191 Sysmiss 9923 QF4. Registered in own name - Microfinance institution 1020 11460 1 Yes 946 2 No 74 Sysmiss 11460 QF4. Registered in own name - Non-Deposit Taking Lending Financial (NDFI) 57 12423 1 Yes 44 2 No 13 Sysmiss 12423 QF4. Registered in own name - Mobile money operator 3611 8869 1 Yes 3484 2 No 127 Sysmiss 8869 QF4. Registered in own name - Umurenge SACCO 4424 8056 1 Yes 4092 2 No 332 Sysmiss 8056 QF4. Registered in own name - Insurance provider 0 12480 1 Yes 0 2 No 0 Sysmiss 12480 QF4. Registered in own name - Pension fund administrator 0 12480 1 Yes 0 2 No 0 Sysmiss 12480 QF4. Registered in own name - Savings group that you save with or borrow from 0 12480 1 Yes 0 2 No 0 Sysmiss 12480 QF4. Registered in own name - Village/community association 0 12480 1 Yes 0 2 No 0 Sysmiss 12480 QF4. Registered in own name - None of the above 0 12480 1 Yes 0 2 No 0 Sysmiss 12480 QF5. Currently or sometimes use - Commercial Bank 2557 9923 1 Yes 2128 2 No 429 Sysmiss 9923 QF5. Currently or sometimes use - Microfinance institution 1020 11460 1 Yes 858 2 No 162 Sysmiss 11460 QF5. Currently or sometimes use - Non-Deposit Taking Lending Financial (NDFI) 57 12423 1 Yes 37 2 No 20 Sysmiss 12423 QF5. Currently or sometimes use - Mobile money operatorr 3611 8869 1 Yes 3420 2 No 191 Sysmiss 8869 QF5. Currently or sometimes use - Umurenge SACCO 4424 8056 1 Yes 3661 2 No 763 Sysmiss 8056 QF5. Currently or sometimes use - Insurance provider 177 12303 1 Yes 162 2 No 15 Sysmiss 12303 QF5. Currently or sometimes use - Pension fund administrator 149 12331 1 Yes 127 2 No 22 Sysmiss 12331 QF5. Currently or sometimes use - Savings group that you save with or borrow fro 6645 5835 1 Yes 6370 2 No 275 Sysmiss 5835 QF5. Currently or sometimes use - Village/community associationr 877 11603 1 Yes 817 2 No 60 Sysmiss 11603 QF5. Currently or sometimes use - None of the above 0 12480 1 Yes 0 2 No 0 Sysmiss 12480 QF6.1. Activities conducted: Deposited or withdrew money - Commercial Bank 2321 10159 1 Yes 2321 Sysmiss 10159 QF6.1. Activities conducted: Deposited or withdrew money - Microfinance institutio 912 11568 1 Yes 912 Sysmiss 11568 QF6.1. Activities conducted: Deposited or withdrew money - Non-Deposit Taking Lend 42 12438 1 Yes 42 Sysmiss 12438 QF6.1. Activities conducted: Deposited or withdrew money - Mobile money operator 2961 9519 1 Yes 2961 Sysmiss 9519 QF6.1. Activities conducted: Deposited or withdrew money - Umurenge SACCO 3658 8822 1 Yes 3658 Sysmiss 8822 QF6.1. Activities conducted: Deposited or withdrew money - Insurance provider 0 12480 1 Yes 0 Sysmiss 12480 QF6.1. Activities conducted: Deposited or withdrew money - Pension fund administra 0 12480 1 Yes 0 Sysmiss 12480 QF6.1. Activities conducted: Deposited or withdrew money - Savings group that you 0 12480 1 Yes 0 Sysmiss 12480 QF6.1. Activities conducted: Deposited or withdrew money - Village/community assoc 0 12480 1 Yes 0 Sysmiss 12480 0 12480 1 Yes 0 Sysmiss 12480 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Commercial Bank 190 12290 2 Yes 190 Sysmiss 12290 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Microfinance institution 17 12463 2 Yes 17 Sysmiss 12463 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Non-Deposit Taking Lend 2 12478 2 Yes 2 Sysmiss 12478 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Mobile money operator 1153 11327 2 Yes 1153 Sysmiss 11327 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Umurenge SACCO 47 12433 2 Yes 47 Sysmiss 12433 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Insurance provider 0 12480 2 Yes 0 Sysmiss 12480 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Pension fund administration 0 12480 2 Yes 0 Sysmiss 12480 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Savings group that you save with or borrow from 0 12480 2 Yes 0 Sysmiss 12480 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_Village/community association 0 12480 2 Yes 0 Sysmiss 12480 QF6.2. Activities conducted: Bought airtime top-ups or paid a mobile phone bill_None of the above 0 12480 2 Yes 0 Sysmiss 12480 409 12071 3 Yes 409 Sysmiss 12071 28 12452 3 Yes 28 Sysmiss 12452 5 12475 3 Yes 5 Sysmiss 12475 41 12439 3 Yes 41 Sysmiss 12439 131 12349 3 Yes 131 Sysmiss 12349 0 12480 3 Yes 0 Sysmiss 12480 0 12480 3 Yes 0 Sysmiss 12480 0 12480 3 Yes 0 Sysmiss 12480 0 12480 3 Yes 0 Sysmiss 12480 0 12480 3 Yes 0 Sysmiss 12480 QF6.4. Activities conducted: Paid a bill_Commercial Bank 233 12247 4 Yes 233 Sysmiss 12247 QF6.4. Activities conducted: Paid a bill_Microfinance institution 15 12465 4 Yes 15 Sysmiss 12465 QF6.4. Activities conducted: Paid a bill_Non-Deposit Taking Lending Financial Institution 0 12480 4 Yes 0 Sysmiss 12480 QF6.4. Activities conducted: Paid a bill_Mobile money operator 762 11718 4 Yes 762 Sysmiss 11718 QF6.4. Activities conducted: Paid a bill_Umurenge SACCO 142 12338 4 Yes 142 Sysmiss 12338 QF6.4. Activities conducted: Paid a bill_Insurance provider 0 12480 4 Yes 0 Sysmiss 12480 QF6.4. Activities conducted: Paid a bill_Pension fund administrator 0 12480 4 Yes 0 Sysmiss 12480 QF6.4. Activities conducted: Paid a bill_Savings group that you save with or borrow from 0 12480 4 Yes 0 Sysmiss 12480 QF6.4. Activities conducted: Paid a bill_Village/community association 0 12480 4 Yes 0 Sysmiss 12480 QF6.4. Activities conducted: Paid a bill_ None of the above 0 12480 4 Yes 0 Sysmiss 12480 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Commercial Bank 171 12309 5 Yes 171 Sysmiss 12309 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Microfinance institution 12 12468 5 Yes 12 Sysmiss 12468 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Non-Deposit Taking Lending Financial Institution 0 12480 5 Yes 0 Sysmiss 12480 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Mobile money operator 104 12376 5 Yes 104 Sysmiss 12376 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Umurenge SACCO 57 12423 5 Yes 57 Sysmiss 12423 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Insurance provider 0 12480 5 Yes 0 Sysmiss 12480 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Pension fund administrator 0 12480 5 Yes 0 Sysmiss 12480 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Savings group that you save with or borrow from 0 12480 5 Yes 0 Sysmiss 12480 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_Village/community association 0 12480 5 Yes 0 Sysmiss 12480 QF6.5. Activities conducted: Paid a tax, fine, fee, or other payment to the government_None of the above 0 12480 5 Yes 0 Sysmiss 12480 QF6.6. Activities conducted: Sent money to, or received money from someone_Commercial Bank 317 12163 6 Yes 317 Sysmiss 12163 QF6.6. Activities conducted: Sent money to, or received money from someone_Microfinance institution 47 12433 6 Yes 47 Sysmiss 12433 QF6.6. Activities conducted: Sent money to, or received money from someone_Non-Deposit Taking Lending Financial Institution 4 12476 6 Yes 4 Sysmiss 12476 QF6.6. Activities conducted: Sent money to, or received money from someone_ Mobile money operator 2195 10285 6 Yes 2195 Sysmiss 10285 QF6.6. Activities conducted: Sent money to, or received money from someone_Umurenge SACCO 133 12347 6 Yes 133 Sysmiss 12347 QF6.6. Activities conducted: Sent money to, or received money from someone_Insurance provider 0 12480 6 Yes 0 Sysmiss 12480 QF6.6. Activities conducted: Sent money to, or received money from someone_Pension fund administrator 0 12480 6 Yes 0 Sysmiss 12480 QF6.6. Activities conducted: Sent money to, or received money from someone_Savings group that you save with or borrow from 0 12480 6 Yes 0 Sysmiss 12480 QF6.6. Activities conducted: Sent money to, or received money from someone_Village/community association 0 12480 6 Yes 0 Sysmiss 12480 QF6.6. Activities conducted: Sent money to, or received money from someone_ None of these 0 12480 6 Yes 0 Sysmiss 12480 QF6.7. Activities conducted: Received money from the government_Commercial Bank 276 12204 7 Yes 276 Sysmiss 12204 QF6.7. Activities conducted: Received money from the government_Microfinance institution 90 12390 7 Yes 90 Sysmiss 12390 QF6.7. Activities conducted: Received money from the government_Non-Deposit Takiing Lending Financial Institution 2 12478 7 Yes 2 Sysmiss 12478 QF6.7. Activities conducted: Received money from the government_ Mobile money operator 17 12463 7 Yes 17 Sysmiss 12463 QF6.7. Activities conducted: Received money from the government_Umurenge SACCO 613 11867 7 Yes 613 Sysmiss 11867 QF6.7. Activities conducted: Received money from the government_Insurance provider 0 12480 7 Yes 0 Sysmiss 12480 QF6.7. Activities conducted: Received money from the government_Pension fund administrator 0 12480 7 Yes 0 Sysmiss 12480 QF6.7. Activities conducted: Received money from the government_Savings group that you save with or borrow from 0 12480 7 Yes 0 Sysmiss 12480 QF6.7. Activities conducted: Received money from the government_Village/community association 0 12480 7 Yes 0 Sysmiss 12480 QF6.7. Activities conducted: Received money from the government_ None of the above 0 12480 7 Yes 0 Sysmiss 12480 QF6.8. Activities conducted: Received wages from an employer_Commercial Bank 314 12166 8 Yes 314 Sysmiss 12166 QF6.8. Activities conducted: Received wages from an employer_Microfinance institution 99 12381 8 Yes 99 Sysmiss 12381 QF6.8. Activities conducted: Received wages from an employer_Non-Deposit Taking 0 12480 8 Yes 0 Sysmiss 12480 QF6.8. Activities conducted: Received wages from an employer_ Mobile money operation 107 12373 8 Yes 107 Sysmiss 12373 QF6.8. Activities conducted: Received wages from an employer_Umurenge SACCO 324 12156 8 Yes 324 Sysmiss 12156 QF6.8. Activities conducted: Received wages from an employer_Insurance provider 0 12480 8 Yes 0 Sysmiss 12480 QF6.8. Activities conducted: Received wages from an employer_Pension fund administration 0 12480 8 Yes 0 Sysmiss 12480 0 12480 8 Yes 0 Sysmiss 12480 QF6.8. Activities conducted: Received wages from an employer_Village/community association 0 12480 8 Yes 0 Sysmiss 12480 QF6.8. Activities conducted: Received wages from an employer_ None of the above 0 12480 8 Yes 0 Sysmiss 12480 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_Commercial Bank 70 12410 9 Yes 70 Sysmiss 12410 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_Microfinance institution 9 12471 9 Yes 9 Sysmiss 12471 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_Non-Deposit Taking Lending Financial Institutions 0 12480 9 Yes 0 Sysmiss 12480 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_Mobile money operator 18 12462 9 Yes 18 Sysmiss 12462 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_ Umurenge SACCO 49 12431 9 Yes 49 Sysmiss 12431 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_Insurance provider 0 12480 9 Yes 0 Sysmiss 12480 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_Pension fund administration 0 12480 9 Yes 0 Sysmiss 12480 0 12480 9 Yes 0 Sysmiss 12480 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_Village/community association 0 12480 9 Yes 0 Sysmiss 12480 QF6.9. Activities conducted: Made insurance payments or received claims on insurance_ None of the above 0 12480 9 Yes 0 Sysmiss 12480 QF6.10. Activities conducted: Borrowed money_Commercial Bank 671 11809 10 Yes 671 Sysmiss 11809 QF6.10. Activities conducted: Borrowed money_Microfinance institution 382 12098 10 Yes 382 Sysmiss 12098 QF6.10. Activities conducted: Borrowed money_Non-Deposit Taking Lending Financia 20 12460 10 Yes 20 Sysmiss 12460 QF6.10. Activities conducted: Borrowed money_ Mobile money operator 694 11786 10 Yes 694 Sysmiss 11786 QF6.10. Activities conducted: Borrowed money_Umurenge SACCO 756 11724 10 10 10 Yes 756 QF6.10. Activities conducted: Borrowed money_Insurance provider 0 12480 10 Yes 0 Sysmiss 12480 QF6.10. Activities conducted: Borrowed money_Pension fund administrator 0 12480 10 Yes 0 Sysmiss 12480 QF6.10. Activities conducted: Borrowed money_Savings group that you save with or 0 12480 10 Yes 0 Sysmiss 12480 QF6.10. Activities conducted: Borrowed money_Village/community association 0 12480 10 Yes 0 Sysmiss 12480 QF6.10. Activities conducted: Borrowed money_ None of the above 0 12480 10 Yes 0 Sysmiss 12480 QF6.11. Activities conducted: Saved money_Commercial Bank 1599 10881 11 11 11 Yes 1599 QF6.11. Activities conducted: Saved money_Microfinance institution 626 11854 11 11 11 Yes 626 QF6.11. Activities conducted: Saved money_Non-Deposit Taking Lending Financial 29 12451 11 11 11 Yes 29 QF6.11. Activities conducted: Saved money_ Mobile money operator 1845 10635 11 11 11 Yes 1845 QF6.11. Activities conducted: Saved money_Umurenge SACCO 2273 10207 11 Yes 2273 Sysmiss 10207 QF6.11. Activities conducted: Saved money_Insurance provider 0 12480 11 Yes 0 Sysmiss 12480 QF6.11. Activities conducted: Saved money_Pension fund administrator 0 12480 11 Yes 0 Sysmiss 12480 QF6.11. Activities conducted: Saved money_Savings group that you save with or bo 0 12480 11 Yes 0 Sysmiss 12480 QF6.11. Activities conducted: Saved money_Village/community association 0 12480 11 Yes 0 Sysmiss 12480 QF6.11. Activities conducted: Saved money_ None of the above 0 12480 11 Yes 0 Sysmiss 12480 QF6.12. Activities conducted: Made an investment_Commercial Bank 49 12431 12 Yes 49 Sysmiss 12431 QF6.12. Activities conducted: Made an investment_Microfinance institution 12 12468 12 Yes 12 Sysmiss 12468 QF6.12. Activities conducted: Made an investment_Non-Deposit Taking Lending Fina 0 12480 12 Yes 0 Sysmiss 12480 QF6.12. Activities conducted: Made an investment_ Mobile money operator 21 12459 12 Yes 21 Sysmiss 12459 QF6.12. Activities conducted: Made an investment_Umurenge SACCO 29 12451 12 Yes 29 Sysmiss 12451 QF6.12. Activities conducted: Made an investment_Insurance provider 0 12480 12 Yes 0 Sysmiss 12480 QF6.12. Activities conducted: Made an investment_Pension fund administrator 0 12480 12 Yes 0 Sysmiss 12480 QF6.12. Activities conducted: Made an investment_Savings group that you save wit 0 12480 12 Yes 0 Sysmiss 12480 QF6.12. Activities conducted: Made an investment_Village/community association 0 12480 12 Yes 0 Sysmiss 12480 QF6.12. Activities conducted: Made an investment_ None of the above 0 12480 12 Yes 0 Sysmiss 12480 QF6.13. Activities conducted: Paid for goods or services_Commercial Bank 25 12455 13 Yes 25 Sysmiss 12455 QF6.13. Activities conducted: Paid for goods or services_Microfinance institution 3 12477 13 Yes 3 Sysmiss 12477 QF6.13. Activities conducted: Paid for goods or services_Non-Deposit Taking Lending Financial Institutions 0 12480 13 Yes 0 Sysmiss 12480 QF6.13. Activities conducted: Paid for goods or services_Mobile money operator 38 12442 13 Yes 38 Sysmiss 12442 QF6.13. Activities conducted: Paid for goods or services_Umurenge SACCO 8 12472 13 Yes 8 Sysmiss 12472 QF6.13. Activities conducted: Paid for goods or services_Insurance provider 0 12480 13 Yes 0 Sysmiss 12480 QF6.13. Activities conducted: Paid for goods or services_Pension fund administrator 0 12480 13 Yes 0 Sysmiss 12480 QF6.13. Activities conducted: Paid for goods or services_Savings group that you save with or borrow from 0 12480 13 Yes 0 Sysmiss 12480 QF6.13. Activities conducted: Paid for goods or services_Village/community association 0 12480 13 Yes 0 Sysmiss 12480 QF6.13. Activities conducted: Paid for goods or services_ None of the above 0 12480 13 Yes 0 Sysmiss 12480 QF7a. Level of satisfaction for - Commercial Bank 2557 9923 1 Satisfied 2196 2 Moderately satisfied 268 3 Unsatisfied 93 Sysmiss 9923 QF7a. Level of satisfaction for - Microfinance institution 1020 11460 1 Satisfied 878 2 Moderately satisfied 108 3 Unsatisfied 34 Sysmiss 11460 QF7a. Level of satisfaction for - Non-Deposit Taking Lending Financial (NDFI) 57 12423 1 Satisfied 44 2 Moderately satisfied 11 3 Unsatisfied 2 Sysmiss 12423 QF7a. Level of satisfaction for - Mobile money operator 3611 8869 1 Satisfied 3279 2 Moderately satisfied 306 3 Unsatisfied 26 Sysmiss 8869 QF7a. Level of satisfaction for - Umurenge SACCO 4424 8056 1 Satisfied 3630 2 Moderately satisfied 650 3 Unsatisfied 144 Sysmiss 8056 QF7a. Level of satisfaction for - Insurance provider 177 12303 1 Satisfied 141 2 Moderately satisfied 27 3 Unsatisfied 9 Sysmiss 12303 QF7a. Level of satisfaction for - Pension fund administrator 149 12331 1 Satisfied 126 2 Moderately satisfied 17 3 Unsatisfied 6 Sysmiss 12331 QF7a. Level of satisfaction for - Savings group that you save with or borrow fro 6645 5835 1 Satisfied 6008 2 Moderately satisfied 520 3 Unsatisfied 117 Sysmiss 5835 QF7a. Level of satisfaction for - Village/community association 877 11603 1 Satisfied 750 2 Moderately satisfied 113 3 Unsatisfied 14 Sysmiss 11603 QF7a. Level of satisfaction for - None of the above 0 12480 1 Satisfied 0 2 Moderately satisfied 0 3 Unsatisfied 0 Sysmiss 12480 QF7b. When did you last use - Commercial Bank 2557 9923 1 Yesterday/today 198 2 In the past 7 days 579 3 In the past 30 days 902 4 In the past 60 days 156 5 117 6 More than 90 but less than 6 months ago 88 7 More than 6 months ago but within the past 12 months 77 8 More than 12 months ago 440 Sysmiss 9923 QF7b. When did you last use - Microfinance institution 1020 11460 1 Yesterday/today 63 2 In the past 7 days 180 3 In the past 30 days 428 4 In the past 60 days 61 5 51 6 More than 90 but less than 6 months ago 36 7 More than 6 months ago but within the past 12 months 40 8 More than 12 months ago 161 Sysmiss 11460 QF7b. When did you last use - Non-Deposit Taking Lending Financial (NDFI) 57 12423 1 Yesterday/today 4 2 In the past 7 days 16 3 In the past 30 days 12 4 In the past 60 days 2 5 6 6 More than 90 but less than 6 months ago 2 7 More than 6 months ago but within the past 12 months 2 8 More than 12 months ago 13 Sysmiss 12423 QF7b. When did you last use - Mobile money operator 3611 8869 1 Yesterday/today 841 2 In the past 7 days 1234 3 In the past 30 days 807 4 In the past 60 days 280 5 165 6 More than 90 but less than 6 months ago 86 7 More than 6 months ago but within the past 12 months 81 8 More than 12 months ago 117 Sysmiss 8869 QF7b. When did you last use - Umurenge SACCO 4424 8056 1 Yesterday/today 150 2 In the past 7 days 549 3 In the past 30 days 1394 4 In the past 60 days 484 5 372 6 More than 90 but less than 6 months ago 308 7 More than 6 months ago but within the past 12 months 274 8 More than 12 months ago 893 Sysmiss 8056 QF7b. When did you last use - Insurance provider 177 12303 1 Yesterday/today 1 2 In the past 7 days 15 3 In the past 30 days 85 4 In the past 60 days 19 5 13 6 More than 90 but less than 6 months ago 12 7 More than 6 months ago but within the past 12 months 15 8 More than 12 months ago 17 Sysmiss 12303 QF7b. When did you last use - Pension fund administrator 149 12331 1 Yesterday/today 6 2 In the past 7 days 5 3 In the past 30 days 97 4 In the past 60 days 8 5 5 6 More than 90 but less than 6 months ago 6 7 More than 6 months ago but within the past 12 months 5 8 More than 12 months ago 17 Sysmiss 12331 QF7b. When did you last use - Savings group that you save with or borrow from 6645 5835 1 Yesterday/today 620 2 In the past 7 days 4314 3 In the past 30 days 1361 4 In the past 60 days 60 5 47 6 More than 90 but less than 6 months ago 34 7 More than 6 months ago but within the past 12 months 47 8 More than 12 months ago 162 Sysmiss 5835 QF7b. When did you last use - Village/community association 877 11603 1 Yesterday/today 42 2 In the past 7 days 453 3 In the past 30 days 301 4 In the past 60 days 15 5 17 6 More than 90 but less than 6 months ago 11 7 More than 6 months ago but within the past 12 months 9 8 More than 12 months ago 29 Sysmiss 11603 QF7b. When did you last use - None of the above 0 12480 1 Yesterday/today 0 2 In the past 7 days 0 3 In the past 30 days 0 4 In the past 60 days 0 5 0 6 More than 90 but less than 6 months ago 0 7 More than 6 months ago but within the past 12 months 0 8 More than 12 months ago 0 Sysmiss 12480 QF8. Most important Financial Institution 12477 3 1 Commercial bank 1496 2 Microfinance institution (non-umurenge) 533 3 Non-Deposit Taking Lending Financial Institutions (NDFI) (BP 11 4 Mobile money operator 885 5 Umurenge SACCO 2065 6 Insurance provider 3 7 Pension fund administrator 3 8 Savings group that you save with or borrow from 4950 9 Village/community association 515 10 None of the above 2016 Sysmiss 3 QF9. Reasons for ranking high - Ease of access 6108 6372 1 Yes 6108 Sysmiss 6372 QF9. Reasons for ranking high - Safety of funds 4521 7959 2 Yes 4521 Sysmiss 7959 QF9. Reasons for ranking high - Convience 3864 8616 3 Yes 3864 Sysmiss 8616 QF9. Reasons for ranking high - Cost of products/services 2085 10395 4 Yes 2085 Sysmiss 10395 QF9. Reasons for ranking high - Availability 5370 7110 5 Yes 5370 Sysmiss 7110 QF9. Reasons for ranking high - Trust 3293 9187 6 Yes 3293 Sysmiss 9187 QF9. Reasons for ranking high - Other 250 12230 7 Yes 250 Sysmiss 12230 UF1. Use of institution's account that Belong to someone else or a group account 191 12289 1 Belong to someone else 75 2 Belong to a group account 8 3 Both 0 4 None 108 Sysmiss 12289 UF1. Use of institution's account that Belong to someone else or a group account 74 12406 1 Belong to someone else 27 2 Belong to a group account 8 3 Both 2 4 None 37 Sysmiss 12406 UF1. Use of institution's account that Belong to someone else or a group account 13 12467 1 Belong to someone else 2 2 Belong to a group account 3 3 Both 0 4 None 8 Sysmiss 12467 UF1. Use of institution's account that Belong to someone else or a group account 127 12353 1 Belong to someone else 75 2 Belong to a group account 1 3 Both 2 4 None 49 Sysmiss 12353 UF1. Use of institution's account that Belong to someone else or a group account 332 12148 1 Belong to someone else 187 2 Belong to a group account 36 3 Both 0 4 None 109 Sysmiss 12148 UF1. Use of institution's account that Belong to someone else or a group account 0 12480 1 Belong to someone else 0 2 Belong to a group account 0 3 Both 0 4 None 0 Sysmiss 12480 UF1. Use of institution's account that Belong to someone else or a group account 0 12480 1 Belong to someone else 0 2 Belong to a group account 0 3 Both 0 4 None 0 Sysmiss 12480 UF1. Use of institution's account that Belong to someone else or a group account 0 12480 1 Belong to someone else 0 2 Belong to a group account 0 3 Both 0 4 None 0 Sysmiss 12480 UF1. Use of institution's account that Belong to someone else or a group account 0 12480 1 Belong to someone else 0 2 Belong to a group account 0 3 Both 0 4 None 0 Sysmiss 12480 UF1. Use of institution's account that Belong to someone else or a group account 0 12480 1 Belong to someone else 0 2 Belong to a group account 0 3 Both 0 4 None 0 Sysmiss 12480 UF2. When did you open an account with - Commercial Bank 2366 10114 1 Up to six months ago 49 2 Over 6 months ago but up to one year ago 88 3 Over a year ago, but less than 2 years ago 216 4 2 years or more ago but less than 5 years ago 607 5 5 years ago or more 1360 6 Do not know/Can not remember 46 Sysmiss 10114 UF2. When did you open an account with - Microfinance institution 946 11534 1 Up to six months ago 14 2 Over 6 months ago but up to one year ago 54 3 Over a year ago, but less than 2 years ago 137 4 2 years or more ago but less than 5 years ago 292 5 5 years ago or more 436 6 Do not know/Can not remember 13 Sysmiss 11534 UF2. When did you open an account with - Non-Deposit Taking Lending Financial (N 44 12436 1 Up to six months ago 1 2 Over 6 months ago but up to one year ago 5 3 Over a year ago, but less than 2 years ago 12 4 2 years or more ago but less than 5 years ago 12 5 5 years ago or more 12 6 Do not know/Can not remember 2 Sysmiss 12436 UF2. When did you open an account with - Mobile money operator 3484 8996 1 Up to six months ago 106 2 Over 6 months ago but up to one year ago 181 3 Over a year ago, but less than 2 years ago 552 4 2 years or more ago but less than 5 years ago 999 5 5 years ago or more 1536 6 Do not know/Can not remember 110 Sysmiss 8996 UF2. When did you open an account with - Umurenge SACCO 4092 8388 1 Up to six months ago 53 2 Over 6 months ago but up to one year ago 148 3 Over a year ago, but less than 2 years ago 470 4 2 years or more ago but less than 5 years ago 1322 5 5 years ago or more 2021 6 Do not know/Can not remember 78 Sysmiss 8388 UF2. When did you open an account with - Insurance provider 0 12480 1 Up to six months ago 0 2 Over 6 months ago but up to one year ago 0 3 Over a year ago, but less than 2 years ago 0 4 2 years or more ago but less than 5 years ago 0 5 5 years ago or more 0 6 Do not know/Can not remember 0 Sysmiss 12480 UF2. When did you open an account with - Pension fund administrator 0 12480 1 Up to six months ago 0 2 Over 6 months ago but up to one year ago 0 3 Over a year ago, but less than 2 years ago 0 4 2 years or more ago but less than 5 years ago 0 5 5 years ago or more 0 6 Do not know/Can not remember 0 Sysmiss 12480 UF2. When did you open an account with - Savings group that you save with or bor 0 12480 1 Up to six months ago 0 2 Over 6 months ago but up to one year ago 0 3 Over a year ago, but less than 2 years ago 0 4 2 years or more ago but less than 5 years ago 0 5 5 years ago or more 0 6 Do not know/Can not remember 0 Sysmiss 12480 UF2. When did you open an account with - Village/community association 0 12480 1 Up to six months ago 0 2 Over 6 months ago but up to one year ago 0 3 Over a year ago, but less than 2 years ago 0 4 2 years or more ago but less than 5 years ago 0 5 5 years ago or more 0 6 Do not know/Can not remember 0 Sysmiss 12480 UF2. When did you open an account with - None of the above 0 12480 1 Up to six months ago 0 2 Over 6 months ago but up to one year ago 0 3 Over a year ago, but less than 2 years ago 0 4 2 years or more ago but less than 5 years ago 0 5 5 years ago or more 0 6 Do not know/Can not remember 0 Sysmiss 12480 UF3. Documents required when opened: National ID card_Commercial Bank 355 12125 1 Yes 355 Sysmiss 12125 UF3. Documents required when opened: National ID card_Microfinance institution 207 12273 1 Yes 207 Sysmiss 12273 UF3. Documents required when opened: National ID card_Non-Deposit Taking Lending 18 12462 1 Yes 18 Sysmiss 12462 UF3. Documents required when opened: National ID card_ Mobile money operator 828 11652 1 Yes 828 Sysmiss 11652 UF3. Documents required when opened: National ID card_Umurenge SACCO 669 11811 1 Yes 669 Sysmiss 11811 UF3. Documents required when opened: National ID card_Insurance provider 0 12480 1 Yes 0 Sysmiss 12480 UF3. Documents required when opened: National ID card_Pension fund administrator 0 12480 1 Yes 0 Sysmiss 12480 UF3. Documents required when opened: National ID card_Savings group that you sav 0 12480 1 Yes 0 Sysmiss 12480 UF3. Documents required when opened: National ID card_Village/community associat 0 12480 1 Yes 0 Sysmiss 12480 UF3. Documents required when opened: National ID card_ None of the above 0 12480 1 Yes 0 Sysmiss 12480 UF3. Documents required when opened: International passport_Commercial Bank 2 12478 2 Yes 2 Sysmiss 12478 UF3. Documents required when opened: International passport_Microfinance institu 1 12479 2 Yes 1 Sysmiss 12479 UF3. Documents required when opened: International passport_Non-Deposit Taking L 0 12480 2 Yes 0 Sysmiss 12480 UF3. Documents required when opened: International passport_ Mobile money operat 1 12479 2 Yes 1 Sysmiss 12479 UF3. Documents required when opened: International passport_Umurenge SACCO 1 12479 2 Yes 1 Sysmiss 12479 UF3. Documents required when opened: International passport_Insurance provider 0 12480 2 Yes 0 Sysmiss 12480 UF3. Documents required when opened: International passport_Pension fund adminis 0 12480 2 Yes 0 Sysmiss 12480 UF3. Documents required when opened: International passport_Savings group that y 0 12480 2 Yes 0 Sysmiss 12480 UF3. Documents required when opened: International passport_Village/community as 0 12480 2 Yes 0 Sysmiss 12480 UF3. Documents required when opened: International passport_ None of the above 0 12480 2 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_Commercial Bank 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_Microfinance institution 1 12479 3 Yes 1 Sysmiss 12479 UF3. Documents required when opened: Driver license_Non-Deposit Taking Lending F 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_ Mobile money operator 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_Umurenge SACCO 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_Insurance provider 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_Pension fund administrator 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_Savings group that you save 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_Village/community associatio 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Driver license_ None of the above 0 12480 3 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Voter card_Commercial Bank 7 12473 4 Yes 7 Sysmiss 12473 UF3. Documents required when opened: Voter card_Microfinance institution 2 12478 4 Yes 2 Sysmiss 12478 UF3. Documents required when opened: Voter card_Non-Deposit Taking Lending Finan 1 12479 4 Yes 1 Sysmiss 12479 UF3. Documents required when opened: Voter card_ Mobile money operator 0 12480 4 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Voter card_Umurenge SACCO 8 12472 4 Yes 8 Sysmiss 12472 UF3. Documents required when opened: Voter card_Insurance provider 0 12480 4 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Voter card_Pension fund administrator 0 12480 4 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Voter card_Savings group that you save with 0 12480 4 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Voter card_Village/community association 0 12480 4 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Voter card_ None of the above 0 12480 4 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Passport photograph_Commercial Bank 269 12211 5 Yes 269 Sysmiss 12211 UF3. Documents required when opened: Passport photograph_Microfinance institutio 181 12299 5 Yes 181 Sysmiss 12299 UF3. Documents required when opened: Passport photograph_Non-Deposit Taking Lend 12 12468 5 Yes 12 Sysmiss 12468 UF3. Documents required when opened: Passport photograph_ Mobile money operator 40 12440 5 Yes 40 Sysmiss 12440 UF3. Documents required when opened: Passport photograph_Umurenge SACCO 554 11926 5 Yes 554 Sysmiss 11926 UF3. Documents required when opened: Passport photograph_Insurance provider 0 12480 5 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Passport photograph_Pension fund administra 0 12480 5 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Passport photograph_Savings group that you 0 12480 5 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Passport photograph_Village/community assoc 0 12480 5 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Passport photograph_ None of the above 0 12480 5 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed application form_Commercial Bank 96 12384 6 Yes 96 Sysmiss 12384 UF3. Documents required when opened: Completed application form_Microfinance ins 41 12439 6 Yes 41 Sysmiss 12439 UF3. Documents required when opened: Completed application form_Non-Deposit Taki 1 12479 6 Yes 1 Sysmiss 12479 UF3. Documents required when opened: Completed application form_ Mobile money op 7 12473 6 Yes 7 Sysmiss 12473 UF3. Documents required when opened: Completed application form_Umurenge SACCO 156 12324 6 Yes 156 Sysmiss 12324 UF3. Documents required when opened: Completed application form_Insurance provid 0 12480 6 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed application form_Pension fund adm 0 12480 6 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed application form_Savings group th 0 12480 6 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed application form_Village/communit 0 12480 6 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed application form_ None of the abo 0 12480 6 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed reference form_Commercial Bank 18 12462 7 Yes 18 Sysmiss 12462 UF3. Documents required when opened: Completed reference form_Microfinance insti 9 12471 7 Yes 9 Sysmiss 12471 UF3. Documents required when opened: Completed reference form_Non-Deposit Taking 1 12479 7 Yes 1 Sysmiss 12479 UF3. Documents required when opened: Completed reference form_ Mobile money oper 2 12478 7 Yes 2 Sysmiss 12478 UF3. Documents required when opened: Completed reference form_Umurenge SACCO 20 12460 7 Yes 20 Sysmiss 12460 UF3. Documents required when opened: Completed reference form_Insurance provider 0 12480 7 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed reference form_Pension fund admin 0 12480 7 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed reference form_Savings group that 0 12480 7 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed reference form_Village/community 0 12480 7 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Completed reference form 0 12480 7 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Proof of address_Commercial Bank 30 12450 8 Yes 30 Sysmiss 12450 UF3. Documents required when opened: Proof of address_Microfinance institution 14 12466 8 Yes 14 Sysmiss 12466 UF3. Documents required when opened: Proof of address_Non-Deposit Taking Lending 0 12480 8 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Proof of address_ Mobile money operator 9 12471 8 Yes 9 Sysmiss 12471 UF3. Documents required when opened: Proof of address_Umurenge SACCO 43 12437 8 Yes 43 Sysmiss 12437 UF3. Documents required when opened: Proof of address_Insurance provider 0 12480 8 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Proof of address_Pension fund administrator 0 12480 8 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Proof of address_Savings group that you sav 0 12480 8 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Proof of address_Village/community associat 0 12480 8 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Proof of address_ None of the above 0 12480 8 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Mobile phone number_Commercial Bank 234 12246 9 Yes 234 Sysmiss 12246 UF3. Documents required when opened: Mobile phone number_Microfinance institutio 104 12376 9 Yes 104 Sysmiss 12376 UF3. Documents required when opened: Mobile phone number_Non-Deposit Taking Lend 9 12471 9 Yes 9 Sysmiss 12471 UF3. Documents required when opened: Mobile phone number_ Mobile money operator 355 12125 9 Yes 355 Sysmiss 12125 UF3. Documents required when opened: Mobile phone number_Umurenge SACCO 243 12237 9 Yes 243 Sysmiss 12237 UF3. Documents required when opened: Mobile phone number_Insurance provider 0 12480 9 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Mobile phone number_Pension fund administra 0 12480 9 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Mobile phone number_Savings group that you 0 12480 9 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Mobile phone number_Village/community assoc 0 12480 9 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Mobile phone number_ None of the above 0 12480 9 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Email address_Commercial Bank 45 12435 10 10 10 Yes 45 UF3. Documents required when opened: Email address_Microfinance institution 18 12462 10 10 10 Yes 18 UF3. Documents required when opened: Email address_Non-Deposit Taking Lending Fi 1 12479 10 10 10 Yes 1 UF3. Documents required when opened: Email address_ Mobile money operator 2 12478 10 10 10 Yes 2 UF3. Documents required when opened: Email address_Umurenge SACCO 11 12469 10 10 10 Yes 11 UF3. Documents required when opened: Email address_Insurance provider 0 12480 10 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Email address_Pension fund administrator 0 12480 10 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Email address_Savings group that you save w 0 12480 10 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Email address_Village/community association 0 12480 10 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Email address_ None of the above 0 12480 10 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Bank account details_Commercial Bank 25 12455 11 11 11 Yes 25 UF3. Documents required when opened: Bank account details_Microfinance instituti 6 12474 11 11 11 Yes 6 UF3. Documents required when opened: Bank account details_Non-Deposit Taking Len 1 12479 11 11 11 Yes 1 UF3. Documents required when opened: Bank account details_ Mobile money operator 1 12479 11 11 11 Yes 1 UF3. Documents required when opened: Bank account details_Umurenge SACCO 23 12457 11 11 11 Yes 23 UF3. Documents required when opened: Bank account details_Insurance provider 0 12480 11 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Bank account details 0 12480 11 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Bank account details_Savings group that you 0 12480 11 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Bank account details_Village/community asso 0 12480 11 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Bank account details_ None of the above 0 12480 11 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Income slip_Commercial Bank 8 12472 12 12 12 Yes 8 UF3. Documents required when opened: Income slip_Microfinance institution 11 12469 12 12 12 Yes 11 UF3. Documents required when opened: Income slip_Non-Deposit Taking Lending Fina 1 12479 12 12 12 Yes 1 UF3. Documents required when opened: Income slip_ Mobile money operator 1 12479 12 12 12 Yes 1 UF3. Documents required when opened: Income slip_Umurenge SACCO 5 12475 12 12 12 Yes 5 UF3. Documents required when opened: Income slip_Insurance provider 0 12480 12 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Income slip_Pension fund administrator 0 12480 12 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Income slip_Savings group that you save wit 0 12480 12 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Income slip_Village/community association 0 12480 12 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Income slip_ None of the above 0 12480 12 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Name and address but no document was requir 39 12441 13 13 13 Yes 39 UF3. Documents required when opened: Name and address but no document was requir 25 12455 13 13 13 Yes 25 UF3. Documents required when opened: Name and address but no document was requir 0 12480 13 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Name and address but no document was requir 14 12466 13 13 13 Yes 14 UF3. Documents required when opened: Name and address but no document was requir 43 12437 13 13 13 Yes 43 UF3. Documents required when opened: Name and address but no document was requir 0 12480 13 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Name and address but no document was requir 0 12480 13 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Name and address but no document was requir 0 12480 13 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Name and address but no document was requir 0 12480 13 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Name and address but no document was requir 0 12480 13 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Other_Commercial Bank 4 12476 14 14 14 Yes 4 UF3. Documents required when opened: Other_Microfinance institution 5 12475 14 14 14 Yes 5 UF3. Documents required when opened: Other_Non-Deposit Taking Lending Financial 1 12479 14 14 14 Yes 1 UF3. Documents required when opened: Other_ Mobile money operator 2 12478 14 14 14 Yes 2 UF3. Documents required when opened: Other_Umurenge SACCO 21 12459 14 14 14 Yes 21 UF3. Documents required when opened: Other_Insurance provider 0 12480 14 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Other_Pension fund administrator 0 12480 14 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Other_Savings group that you save with or b 0 12480 14 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Other_Village/community association 0 12480 14 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Other_ None of the above 0 12480 14 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_Commercial Ban 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_Microfinance i 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_Non-Deposit Ta 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_ Mobile money 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_Umurenge SACCO 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_Insurance prov 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_Pension fund a 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_Savings group 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_Village/commun 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: Do not know/Can not remember_ None of the a 0 12480 15 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_Commercial Bank 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_Microfinance institution 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_Non-Deposit Taking Lending Financial ( 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_ Mobile money operator 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_Umurenge SACCO 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_Insurance provider 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_Pension fund administrator 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_Savings group that you save with or bo 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_Village/community association 0 12480 16 Yes 0 Sysmiss 12480 UF3. Documents required when opened: None_ None of the above 0 12480 16 Yes 0 Sysmiss 12480 UF4. Savings accounts with - Commercial Bank 1018 11462 1 Yes 1018 Sysmiss 11462 UF4. Savings accounts with - Microfinance institution 338 12142 1 Yes 338 Sysmiss 12142 UF4. Savings accounts with - Non-Deposit Taking Lending Financial (NDFI) 17 12463 1 Yes 17 Sysmiss 12463 UF4. Savings accounts with - Mobile money operator 984 11496 1 Yes 984 Sysmiss 11496 UF4. Savings accounts with - SACCO 1344 11136 1 Yes 1344 Sysmiss 11136 UF4. Savings accounts with - Insurance provider 0 12480 1 Yes 0 Sysmiss 12480 UF4. Savings accounts with - Pension fund administrator 0 12480 1 Yes 0 Sysmiss 12480 UF4. Savings accounts with - Savings group that you save with or borrow from 6 12474 1 Yes 6 Sysmiss 12474 UF4. Savings accounts with - Village/community association 2 12478 1 Yes 2 Sysmiss 12478 UF4. Savings accounts with - None of the above 0 12480 1 Yes 0 Sysmiss 12480 UF4. Current accounts with - Commercial Bank 2228 10252 2 Yes 2228 Sysmiss 10252 UF4. Current accounts with - Microfinance institution 891 11589 2 Yes 891 Sysmiss 11589 UF4. Current accounts with - Non-Deposit Taking Lending Financial (NDFI) 41 12439 2 Yes 41 Sysmiss 12439 UF4. Current accounts with - Mobile money operator 3363 9117 2 Yes 3363 Sysmiss 9117 UF4. Current accounts with - Umurenge SACCO 3784 8696 2 Yes 3784 Sysmiss 8696 UF4. Current accounts with - Insurance provider 0 12480 2 Yes 0 Sysmiss 12480 UF4. Current accounts with - Pension fund administrator 1 12479 2 Yes 1 Sysmiss 12479 UF4. Current accounts with - Savings group that you save with or borrow from 17 12463 2 Yes 17 Sysmiss 12463 UF4. Current accounts with - Village/community association 4 12476 2 Yes 4 Sysmiss 12476 UF4. Current accounts - None of the above 0 12480 2 Yes 0 Sysmiss 12480 UF4. Fixed deposits with - Commercial Bank 67 12413 3 Yes 67 Sysmiss 12413 UF4. Fixed deposits with - Microfinance institution 17 12463 3 Yes 17 Sysmiss 12463 UF4. Fixed deposits with - Non-Deposit Taking Lending Financial (NDFI) 0 12480 3 Yes 0 Sysmiss 12480 UF4. Fixed deposits with - Mobile money operator 18 12462 3 Yes 18 Sysmiss 12462 UF4. Fixed deposits with - Umurenge SACCO 49 12431 3 Yes 49 Sysmiss 12431 UF4. Fixed deposits with - Insurance provider 0 12480 3 Yes 0 Sysmiss 12480 UF4. Fixed deposits with - Pension fund administrator 0 12480 3 Yes 0 Sysmiss 12480 UF4. Fixed deposits with - Savings group that you save with or borrow from 0 12480 3 Yes 0 Sysmiss 12480 UF4. Fixed deposits with - Village/community association 1 12479 3 Yes 1 Sysmiss 12479 UF4. Fixed deposits with - None of the above 0 12480 3 Yes 0 Sysmiss 12480 UF4. Outstanding loans with - Commercial Bank 157 12323 4 Yes 157 Sysmiss 12323 UF4. Outstanding loans with - Outstanding loans_Microfinance institution 106 12374 4 Yes 106 Sysmiss 12374 UF4. Outstanding loans with - Outstanding loans_Non-Deposit Taking Lending Finan 2 12478 4 Yes 2 Sysmiss 12478 UF4. Outstanding loans with - Outstanding loans_ Mobile money operator 73 12407 4 Yes 73 Sysmiss 12407 UF4. Outstanding loans with - Outstanding loans_Umurenge SACCO 126 12354 4 Yes 126 Sysmiss 12354 UF4. Outstanding loans with - Outstanding loans_Insurance provider 0 12480 4 Yes 0 Sysmiss 12480 UF4. Outstanding loans with - Outstanding loans_Pension fund administrator 0 12480 4 Yes 0 Sysmiss 12480 UF4. Outstanding loans with - Outstanding loans_Savings group that you save with 0 12480 4 Yes 0 Sysmiss 12480 UF4. Outstanding loans with - Outstanding loans_Village/community association 0 12480 4 Yes 0 Sysmiss 12480 UF4. Outstanding loans with - Outstanding loans_ None of the above 0 12480 4 Yes 0 Sysmiss 12480 G1. Savings - Different ways of describing what it means to save. 12480 0 1 Putting money in a special place/account to keep it safe 2481 2 1673 3 1619 4 Putting money aside for you to use later for a specific purp 3039 5 3668 G2. Savings statements - Going without certain things to be able to save 12480 0 1 True 11059 2 False 1421 G2. Savings statements - Going without certain things to be able to save 12480 0 1 True 11880 2 False 600 G2. Savings statements - Better to save where money is safe than to take risks t 12480 0 1 True 9236 2 False 3244 G2. Savings statements - Saving for a specific purpose and do not use it for any 12480 0 1 True 8794 2 False 3686 G2. Savings statements - Saving for a specific purpose, but you end up using it 12480 0 1 True 7966 2 False 4514 G2. Savings statements - Knowing about different retirement products or packages 12480 0 1 True 5821 2 False 6659 GS3. Shortest time for you to put money aside for it to count as savings 12480 0 1 One day 228 2 One week 3059 3 One month 3328 4 Between one month and one year 1473 5 One year 808 6 Longer than one year 880 7 Don?t know (Do not read) 2704 G3A. Saving with - Commercial bank 12478 2 1 Yes 1981 2 No 10497 Sysmiss 2 G3A. Saving with - MFI or a non-umurenge SACCO 12478 2 1 Yes 749 2 No 11729 Sysmiss 2 12477 3 1 Yes 2477 2 No 10000 Sysmiss 3 G3A. Saving through - Insurance for education 12477 3 1 Yes 38 2 No 12439 Sysmiss 3 G3A. Saving through - Ejo Heza Fund 12477 3 1 Yes 181 2 No 12296 Sysmiss 3 G3A. Saving through - Iterambere Fund (RNIT) 12477 3 1 Yes 7 2 No 12470 Sysmiss 3 G3A. Saving through - Private pension like RSSB, Ituze... 12477 3 1 Yes 16 2 No 12461 Sysmiss 3 G3A. Saving with - Saving_Umurenge SACCO 12477 3 1 Yes 2816 2 No 9661 Sysmiss 3 G3A. Saving through - Saving_capital/stock market 12477 3 1 Yes 10 2 No 12467 Sysmiss 3 G3A. Saving with - Pension fund/provident fund 12477 3 1 Yes 208 2 No 12269 Sysmiss 3 G3A. Saving with - a group such as a coop, VSLA, tontine, ikibina 12477 3 1 Yes 7115 2 No 5362 Sysmiss 3 G3A. Saving through - someone in community who keeps it safe for you 12477 3 1 Yes 90 2 No 12387 Sysmiss 3 G3A. Saving with - someone in household/family who keeps it safe for you 12477 3 1 Yes 217 2 No 12260 Sysmiss 3 G3A. Saving through buy things to sell later 12477 3 1 Yes 1531 2 No 10946 Sysmiss 3 G3A. Saving in a secret place at home 12477 3 1 Yes 1163 2 No 11314 Sysmiss 3 12477 3 1 Yes 67 2 No 12410 Sysmiss 3 G3A. Saving with - Do not save 12477 3 1 Yes 1776 2 No 10701 Sysmiss 3 G3.1. Savings at a bank - Where bank products held 1983 10497 1 BRD 17 2 I&M BANK 36 3 KCB 33 4 ECOBANK 29 5 BPR 649 6 BK 610 7 ACCESS BANK 15 8 URWEGO BANK 92 9 ZIGAMA CSS 74 10 GTBANK 31 11 BANK OF AFRICA 6 12 EQUITY BANK 294 13 UNGUKA BANK 39 14 AB BANK 8 15 COGEBANQUE 41 16 COMMERCIAL BANK OF AFRICA 9 Sysmiss 10497 G3.1. Savings at a bank - Where bank products held 1983 10497 1 BRD 7 2 I&M BANK 17 3 KCB 22 4 ECOBANK 8 5 BPR 97 6 BK 105 7 ACCESS BANK 8 8 URWEGO BANK 31 9 ZIGAMA CSS 10 10 GTBANK 12 11 BANK OF AFRICA 6 12 EQUITY BANK 68 13 UNGUKA BANK 10 14 AB BANK 8 15 COGEBANQUE 29 16 COMMERCIAL BANK OF AFRICA 4 98 NO OTHER FINANCIAL INSTITUTION 1541 Sysmiss 10497 G3.2. MFI - Where products held 751 11729 1 43 1 VIS ION FUND RWANDA Plc 21 2 RESEAU INTERDIOCESAIN DE MICROFINANCE (RIM) Ltd 56 3 COPEDU Ltd 74 4 UMUTANGUHA FINANCE COMPANY (UFC) Ltd 137 5 SAGER GANZA Ltd 14 6 AXON TUNGA MICROFINANCE Ltd 0 7 INKINGI MICROFINANCE Ltd 3 8 ATLANTIS MICROFINANCE Ltd 1 9 ASA MICROFINANCE (RWANDA) Ltd 29 10 PREFERRED MICROFINANCE Ltd 0 11 LETSHEGO RWANDA Plc 4 12 AMASEZERANO COMMUNITY BANKING 11 13 GOSHEN FINANCE Ltd 20 14 DUTERIMBERE IMF Ltd 45 15 CLECAM EJO HEZA Ltd 57 16 40 17 FINANCIAL SAFETY COMPANY Ltd 0 18 Societe Mutuelle de Garantie et de Financement (SMGF) Ltd 1 19 CAISSE DES AFFAIRES(CAF) ISONGA Ltd 0 20 UMURIMO FINANCE Ltd 8 21 COOJAD BUGESERA 1 22 COOPEC INGASHYA 5 23 COOPEC UBAKA 2 24 UMWALIMU SACCO 135 25 CYCLE INVESTMENT COOPERATIVE 0 26 COOPEC ZAMUKA 5 27 MULINDI TEA GROWERS SACCO 1 28 COOPEC ISHEMA MULINDI 2 29 CSPKI 3 30 COOPEC ITI 6 31 CODEMARU 2 32 CSTCR 12 33 COOPEC TRASO 9 34 6 35 CPF INEZA 7 36 CT NYAMAGABE 3 37 COOPEC TWIZIGAMIRE 8 38 AMIZERO SACCO GISAKURA 3 39 GATARE TEA FARMERS SACCO 3 40 COMICOKA 4 41 9 42 Cooperative des Travailleurs (CT) de RUSIZI 0 43 SACCO TEA SHAGASHA 4 G3.2. MFI - Where products held 751 11729 1 VIS ION FUND RWANDA Plc 4 2 RESEAU INTERDIOCESAIN DE MICROFINANCE (RIM) Ltd 3 3 COPEDU Ltd 1 4 UMUTANGUHA FINANCE COMPANY (UFC) Ltd 8 5 SAGER GANZA Ltd 0 6 AXON TUNGA MICROFINANCE Ltd 0 7 INKINGI MICROFINANCE Ltd 1 8 ATLANTIS MICROFINANCE Ltd 0 9 ASA MICROFINANCE (RWANDA) Ltd 2 10 PREFERRED MICROFINANCE Ltd 0 11 LETSHEGO RWANDA Plc 0 12 AMASEZERANO COMMUNITY BANKING 2 13 GOSHEN FINANCE Ltd 3 14 DUTERIMBERE IMF Ltd 9 15 CLECAM EJO HEZA Ltd 6 16 1 17 FINANCIAL SAFETY COMPANY Ltd 0 18 Societe Mutuelle de Garantie et de Financement (SMGF) Ltd 0 19 CAISSE DES AFFAIRES(CAF) ISONGA Ltd 0 20 UMURIMO FINANCE Ltd 1 21 COOJAD BUGESERA 0 22 COOPEC INGASHYA 0 23 COOPEC UBAKA 3 24 UMWALIMU SACCO 8 25 CYCLE INVESTMENT COOPERATIVE 0 26 COOPEC ZAMUKA 2 27 MULINDI TEA GROWERS SACCO 0 28 COOPEC ISHEMA MULINDI 0 29 CSPKI 0 30 COOPEC ITI 0 31 CODEMARU 0 32 CSTCR 0 33 COOPEC TRASO 0 34 0 35 CPF INEZA 2 36 CT NYAMAGABE 2 37 COOPEC TWIZIGAMIRE 0 38 AMIZERO SACCO GISAKURA 1 39 GATARE TEA FARMERS SACCO 0 40 COMICOKA 1 41 0 42 Cooperative des Travailleurs (CT) de RUSIZI 0 43 SACCO TEA SHAGASHA 0 98 NO OTHER FINANCIAL INSTITUTION 691 Sysmiss 11729 GS4. Best ways/channels of saving 12480 0 1 Savings at a bank (USE BANK LIST) 1397 2 Savings at a MFI or a non-umurenge SACCO (USE MFI list) 474 3 Saving through Mobile Money account e.g., MoKash 744 4 Insurance for education 4 5 Ejo Heza 18 6 Iterambere Fund (RNIT) 2 7 Private pension like Rwanda Social Security Board (RSSB), It 1 8 Savings at umurenge SACCO 1507 9 Savings in the capital/stock market (incl. Treasury bonds) 1 10 Pension fund/provident fund (incl. CaisseSociale du Rwanda) 54 11 Savings with a group such as a co-op, VSLA, tontine, ikibina 5428 12 Savings with someone in community who keeps it safe for you 18 13 Savings with someone in household/family who keeps it safe f 52 14 Buy things to sell later as a form of savings 547 15 Savings in a secret place at home 375 16 Other savings mechanism not mentioned, specify 45 17 None / No saving product 1813 GS4. Main reason you save in this way (channel) 10667 1813 1 Proximity - convenient access 3366 2 Easy/simple to use 1812 3 The requirements are easy to meet/no stringent requirements 433 4 Have quick access to savings 1586 5 No reliance on technology/networks that can fail 39 6 Know money is safe from theft/fire 740 7 Trust them/know them 439 8 Earn good interest 1244 9 Because others (family members/community/members/friends) us 173 10 Enables access to soft loans 833 98 Other, specify 2 Sysmiss 1813 GS5. Extent to which your saving option helps to achieve your gaols 10667 1813 1 Agree 10105 2 Neither agree nor disagree 474 3 Disagree 81 4 Do not know 7 Sysmiss 1813 GS6. How often do you save 10667 1813 1 Daily 195 2 Weekly 4421 3 Monthly 3260 4 When have extra money 2645 5 Other, Specify 146 Sysmiss 1813 GS7. How much did you save the last time 10667 1813 100 70000000 60393.983 830072.014 G4. What are you mainly saving or putting money away for 10667 1813 1 1. Living expenses for when times are hard 6849 2 2. Medical expenses either planned or emergency 583 3 3. An emergency other than medical 371 4 4. Marriage / wedding expenses 34 5 5. Funeral expenses 59 6 6. Education or school fees 717 7 7. Farming expenses (inputs) 143 8 8. Buying livestock 747 9 9. Buying equipment/appliances 43 10 10 = Providing something for my family after I die 149 11 11 = Building/Buying a house/land 559 12 12 = Old age 65 13 13 = Improving my dwelling 136 14 14 = Other, specify 212 Sysmiss 1813 G5. Reason for Not saving - Never thought about it 81 12399 1 Yes 81 Sysmiss 12399 G5. Reason for Not saving - Prefering to spend money on other things I need more 32 12448 2 Yes 32 Sysmiss 12448 G5. Reason for Not saving - Prefering to invest in other things 17 12463 3 Yes 17 Sysmiss 12463 G5. Reason for Not saving - Children will look after me so I don?t need it 18 12462 4 Yes 18 Sysmiss 12462 G5. Reason for Not saving - Save in other ways 43 12437 5 Yes 43 Sysmiss 12437 G5. Reason for Not saving - Won't be able to access my money if I need it 28 12452 6 Yes 28 Sysmiss 12452 G5. Reason for Not saving - I do not want to save 6 12474 7 Yes 6 Sysmiss 12474 G5. Reason for Not saving - I do not need to save 8 12472 8 Yes 8 Sysmiss 12472 G5. Reason for Not saving - Do not know about investment and savings 24 12456 9 Yes 24 Sysmiss 12456 G5. Reason for Not saving - Do not have money to save or invest 1306 11174 10 10 10 Yes 1306 G5. Reason for Not saving - Do not have a bank account 172 12308 11 11 11 Yes 172 G5. Reason for Not saving - Too expensive 231 12249 12 12 12 Yes 231 G5. Reason for Not saving - Do not have a job 465 12015 13 13 13 Yes 465 G5. Reason for Not saving - Do not understand the investment or savings products 10 12470 14 14 14 Yes 10 G5. Reason for Not saving - Too many to choose from so get confused 1 12479 15 15 15 Yes 1 G5. Reason for Not saving - Other 0 12480 16 Yes 0 Sysmiss 12480 G5. Reason for Not saving - Do not know 1 12479 17 17 17 Yes 1 GS8. Other types of savings - Property or a buildingor house 12480 0 1 I use it 2142 2 I don't use it 10338 GS8. Other types of savings - Land 12480 0 1 I use it 2016 2 I don't use it 10464 GS8. Other types of savings - Farming or agriculture or livestock 12480 0 1 I use it 5128 2 I don't use it 7352 GS8. Other types of savings - Mutual funds 12480 0 1 I use it 378 2 I don't use it 12102 GS8. Other types of savings - Government bonds 12480 0 1 I use it 28 2 I don't use it 12452 GS8. Other types of savings - Shares or Stocks 12480 0 1 I use it 98 2 I don't use it 12382 GS8. Other types of savings - Assets such as jewellery, gold coins and others 12480 0 1 I use it 76 2 I don't use it 12404 GS8. Other types of savings - Fixed deposits 12480 0 1 I use it 480 2 I don't use it 12000 GS9. Having a pension fund 12480 0 1 Yes 995 2 No 11019 3 Don?t know 466 GS10. Statement about pension fund - You Know about retirement packages 995 11485 1 Yes 686 2 No 309 Sysmiss 11485 GS10. Statement about pension fund - You are happy with age and retirement packa 995 11485 1 Yes 718 2 No 277 Sysmiss 11485 GS10. Statement about pension fund - You understanding your pension benefits 995 11485 1 Yes 729 2 No 266 Sysmiss 11485 H1. Credit statement - You avoiding to borrow money if you can 12480 0 1 Agree 8803 2 Disagree 3677 H1. Credit statement - You prefer to save money for something rather than borrow 12480 0 1 Agree 11186 2 Disagree 1294 H1. Credit statement - Without borrowing money would not be able to pay for chil 12480 0 1 Agree 4293 2 Disagree 8187 H1. Credit statement - If you borrow money it is okay to pay it a bit later than 12480 0 1 Agree 3264 2 Disagree 9216 12480 0 1 Agree 8102 2 Disagree 4378 H1. Credit statement - Better to keep savings than to use it to pay a debt 12480 0 1 Agree 9458 2 Disagree 3022 H1. Credit statement - Have checked credit history through CRB 12480 0 1 Agree 2210 2 Disagree 10270 12480 0 1 Agree 11196 2 Disagree 1284 H2A. Borrowed money during the past 12 months 12480 0 1 Yes 6611 2 No 5869 H2B. Main reason you have not borrowed money 5869 6611 1 Did not need to borrow money 2406 2 Do not want to borrow money/ Do not believe in borrowing mon 135 3 Worried would not be able to pay back the money 1947 4 Interest charged on borrowed money is too high 152 5 Do not know where to borrow money from 21 6 Do not know how to apply for a loan 17 7 Do not have security or collateral 767 8 Do not meet the requirements of financial institutions 165 9 Not allowed to borrow money by spouse, by family or other 17 10 Tried to borrow, but have been refused 44 11 Other, specify 198 Sysmiss 6611 H2C. Have been paying back money you borrowed from 12480 0 1 Yes 6324 2 No 6156 H3. Got any goods or services in advance and had to pay it later 12480 0 1 Yes 5527 2 No 6953 H4A. Borrowed money from a bank 12480 0 1 Yes 600 2 No 11880 H4A. Borrowed money from a MFI or a non-umurenge SACCO 12480 0 1 Yes 337 2 No 12143 H4A. Borrowed money from Non-Deposit Taking Lending Financial (NDFI) 12480 0 1 Yes 2 2 No 12478 H4A. Borrowed money through Mobile Money credit e.g MoKash 12480 0 1 Yes 597 2 No 11883 H4A. Borrowed from an umurenge SACCO 12480 0 1 Yes 630 2 No 11850 H4A. Got a loan from Government (Ubudehe credit scheme/VUP loan) 12480 0 1 Yes 35 2 No 12445 H4A. Borrowed money from your employer 12480 0 1 Yes 91 2 No 12389 H4A. Borrowed money from a group such as a co-op, VLSA, tontine, ikibina 12480 0 1 Yes 4930 2 No 7550 H4A. Borrowed money from a money lender in the community 12480 0 1 Yes 123 2 No 12357 H4A. Borrowed money/got goods in advance from an agricultural buyer or a farmer’ 12480 0 1 Yes 217 2 No 12263 H4A. Borrowed money from a church or other community-based organisation that you 12480 0 1 Yes 117 2 No 12363 H4A. Borrowed money from family/friends that you had to pay back 12480 0 1 Yes 2951 2 No 9529 H4A. Got money from family/friends that you did not have to pay back 12480 0 1 Yes 1148 2 No 11332 H4A. Got goods in advance from a shop/store and had to pay back later 12480 0 1 Yes 4204 2 No 8276 H4A. Borrowed money from sources not mentioned, specify 12480 0 1 Yes 173 2 No 12307 H4A. None borrowing 12480 0 1 Yes 3125 2 No 9355 H4B.1. Credit at a bank - Where bank products held 600 11880 1 BRD 1 2 I&M BANK 17 3 KCB 12 4 ECOBANK 9 5 BPR 169 6 BK 168 7 ACCESS BANK 10 8 URWEGO BANK 64 9 ZIGAMA CSS 56 10 GTBANK 3 11 BANK OF AFRICA 1 12 EQUITY BANK 51 13 UNGUKA BANK 13 14 AB BANK 12 15 COGEBANQUE 12 16 COMMERCIAL BANK OF AFRICA 2 Sysmiss 11880 H4B.2. Credit at a bank - Where bank products held 600 11880 1 BRD 0 2 I&M BANK 0 3 KCB 4 4 ECOBANK 2 5 BPR 13 6 BK 14 7 ACCESS BANK 1 8 URWEGO BANK 5 9 ZIGAMA CSS 2 10 GTBANK 2 11 BANK OF AFRICA 0 12 EQUITY BANK 5 13 UNGUKA BANK 0 14 AB BANK 1 15 COGEBANQUE 4 16 COMMERCIAL BANK OF AFRICA 2 99 No other Commercial Bank 545 Sysmiss 11880 H4B.1. Credit at MFI - Where credit products held 337 12143 1 43 1 VIS ION FUND RWANDA Plc 21 2 RESEAU INTERDIOCESAIN DE MICROFINANCE (RIM) Ltd 28 3 COPEDU Ltd 30 4 UMUTANGUHA FINANCE COMPANY 21 H4B.2. Credit at MFI - Where credit products held 337 12143 1 VIS ION FUND RWANDA Plc 0 2 RESEAU INTERDIOCESAIN DE MICROFINANCE (RIM) Ltd 1 3 COPEDU Ltd 0 4 UMUTANGUHA FINANCE COMPANY 0 5 1 9 1 13 1 14 1 16 1 22 1 23 1 24 1 35 2 43 3 99 323 Sysmiss 12143 H4B.1. Credit from which NDFI did you borrowed 2 12478 1 1 2 1 97 NDFI 0 Sysmiss 12478 H4B.2. Credit from NDFI did you borrowed 2 12478 99 99 97 NDFI 0 99 None other 2 H4B.1. Credit from which MoM did you borrowed 597 11883 1 Airtel/Tigo 87 2 MTN 508 3 TIGO 2 Sysmiss 11883 H4B.2. Credit from which other MoM did you borrowed 597 11883 1 Airtel/Tigo 107 2 MTN 33 3 TIGO 3 4 454 99 None other 0 Sysmiss 11883 H4B.1. Credit from which SACCO did you borrowed 630 11850 1 30 1 U_SACCO_Nyarugenge 19 2 U_SACCO_Gasabo 16 3 U_SACCO_Kicukiro 10 4 U_SACCO_Nyanza 24 5 U_SACCO_Gisagara 11 6 U_SACCO_Nyaruguru 24 7 U_SACCO_Huye 16 8 U_SACCO_Nyamagabe 21 9 U_SACCO_Ruhango 18 10 U_SACCO_Muhanga 10 11 U_SACCO_Kamonyi 24 12 U_SACCO_Karongi 19 13 U_SACCO_Rutsiro 23 14 U_SACCO_Rubavu 20 15 U_SACCO_Nyabihu 25 16 U_SACCO_Ngororero 10 17 U_SACCO_Rusizi 15 18 U_SACCO_Nyamasheke 22 19 U_SACCO_Rulindo 32 20 U_SACCO_Gakenke 21 21 U_SACCO_Musanze 23 22 U_SACCO_Burera 19 23 U_SACCO_Gicumbi 17 24 U_SACCO_Rwamagana 32 25 U_SACCO_Nyagatare 28 26 U_SACCO_Gatsibo 16 27 U_SACCO_Kayonza 15 28 U_SACCO_Kirehe 29 29 U_SACCO_Ngoma 44 30 U_SACCO_Bugesera 27 H4B.2. Credit from SACCO did you borrowed 630 11850 1 U_SACCO in_Nyarugenge 0 2 U_SACCO in_Gasabo 0 3 U_SACCO in_Kicukiro 0 4 U_SACCO in_Nyanza 0 5 U_SACCO in_Gisagara 1 6 U_SACCO in_Nyaruguru 0 7 U_SACCO in_Huye 8 8 U_SACCO in_Nyamagabe 0 9 U_SACCO in_Ruhango 0 10 U_SACCO in_Muhanga 0 11 U_SACCO in_Kamonyi 0 12 U_SACCO in_Karongi 0 13 U_SACCO in_Rutsiro 0 14 U_SACCO in_Rubavu 0 15 U_SACCO in_Nyabihu 1 16 U_SACCO in_Ngororero 0 17 U_SACCO in_Rusizi 0 18 U_SACCO in_Nyamasheke 0 19 U_SACCO in_Rulindo 0 20 U_SACCO in_Gakenke 0 21 U_SACCO in_Musanze 0 22 U_SACCO in_Burera 0 23 U_SACCO in_Gicumbi 1 24 U_SACCO in_Rwamagana 0 25 U_SACCO in_Nyagatare 0 26 U_SACCO in_Gatsibo 0 27 U_SACCO in_Kayonza 0 28 U_SACCO in_Kirehe 0 29 U_SACCO in_Ngoma 3 30 U_SACCO in_Bugesera 0 99 None other 616 Sysmiss 11850 Type of institutions 192 12288 1 Comercial Bank 96 2 Other Microfinance (could be SACCO) but not Umurenge SACCO 24 3 Lending not Saving Instituion 0 4 Take a Loan from Mobile Money : e.g Mokash 25 5 Umurenge SACCO 47 Sysmiss 12288 H4C. Who did you borrow the most money from 197 12283 1 33 1 BRD 4 2 I&M BANK 33 3 KCB 4 4 ECOBANK 5 5 BPR 33 6 BK 22 7 ACCESS BANK 1 8 URWEGO BANK 11 9 ZIGAMA CSS 13 10 GTBANK 2 11 BANK OF AFRICA 4 12 EQUITY BANK 10 13 UNGUKA BANK 6 14 AB BANK 5 15 COGEBANQUE 5 16 COMMERCIAL BANK OF AFRICA 4 H4D. Main reason of borrowing 197 12283 1 To get the money as soon as possible 96 2 Low interest rate 44 3 Suitable repayment period 9 4 Affordable monthly instalments 13 5 Flexibility of repayment terms 10 6 No checking of credit history 0 7 No proof of employment required 0 8 Quality of service provided 10 9 No collateral required 3 10 Past experience with the financial provider 1 11 Lender not concerned about the purpose of the loan 1 12 Distance/nearness to the lender 6 13 Other 0 98 4 Sysmiss 12283 H5. What did you borrow the most money for 197 12283 1 Medical expenses/medical emergencies 10 2 An emergency other than medical 24 3 Funeral expenses 1 4 Education or school fees 23 5 Living expenses when you did not have money 25 6 Farming expenses such as seeds, fertiliser 6 7 Buying livestock 6 8 For business/investment 49 9 Buying farming equipment/implements 2 10 Paying off other debt 2 11 Buying land/dwelling 20 12 Building/improving dwelling 21 13 Other 8 Sysmiss 12283 H6. Important thing taken into account when you choose who to borrow from 12480 0 1 Lowest interest rates 4130 2 Repayment terms that work for me 2220 3 Quickest access to money 2194 4 Ability to meet lender/loan requirements 502 5 Simple application process; understandable documentation 699 6 Trust 1595 7 Don?t have a choice between lenders 357 8 Don?t know 607 9 Other, specify 176 H6A. To what extend borrowed money helps you to achieve your goals 7978 4502 1 Agree 5902 2 Neither agree nor disagree 1795 3 Disagree 159 4 Do not know 122 Sysmiss 4502 H6B. Credit statements - Were given all the key details about the account fees a 7978 4502 1 Agree 5434 2 Disagree 2129 3 Do not know 415 Sysmiss 4502 H6B. Credit statements - Fees and charges for your loan are transparent, or at l 7978 4502 1 Agree 5059 2 Disagree 2470 3 Do not know 449 Sysmiss 4502 H6B. Credit statements - Were charged fees you did not expect 7978 4502 1 Agree 725 2 Disagree 6826 3 Do not know 427 Sysmiss 4502 H6B. Credit statements - Lender unexpected withdrew money 7978 4502 1 Agree 718 2 Disagree 6914 3 Do not know 346 Sysmiss 4502 H6B. Credit statements - Did not fully understand the cost or fees 7978 4502 1 Agree 983 2 Disagree 6608 3 Do not know 387 Sysmiss 4502 H6C. How evaluating amount of microcredit loan interest rate charged 7978 4502 1 Low rate 2423 2 Reasonable/affordable 3636 3 Unreasonable/unaffordable 638 4 Do not know 71 5 No interest paid 1210 Sysmiss 4502 H7. Have been refused a loan at - Bank 12480 0 1 Yes 166 2 No 9848 3 NA 2466 H7. Have been refused a loan at - SACCO 12480 0 1 Yes 290 2 No 10032 3 NA 2158 H7. Have been refused a loan at - MFI 12480 0 1 Yes 102 2 No 9817 3 NA 2561 H7. Have been refused a loan through - Mobile money operator 12480 0 1 Yes 415 2 No 10219 3 NA 1846 H7. Have been refused a loan at - Savings groups 12480 0 1 Yes 1876 2 No 9282 3 NA 1322 H7B. Main reason given for the refusal 527 11953 1 Did not have a down payment 57 2 Did not have a payslip 8 3 Did not have security/collateral 121 4 Income was too low 35 5 Had too many other debts 89 6 Loan officer asked for a bribe and I didn?t pay the bribe 7 7 Don?t know 64 8 Other 146 Sysmiss 11953 H8A. How often do you borrow through your MoM operator 984 11496 1 Daily 26 2 Weekly 227 3 Monthly 260 4 Quartely 55 5 Occassionally 416 Sysmiss 11496 H8B. How much did you borrow last time through your MoM operator 984 11496 11 999999996 44720883.16 206782358.85 12480 0 1 Yes 490 2 No 11990 12480 0 1 Yes 4127 2 No 8353 12480 0 1 Yes 956 2 No 11524 12480 0 1 Yes 475 2 No 12005 12480 0 1 Yes 145 2 No 12335 12480 0 1 Yes 600 2 No 11880 12480 0 1 Yes 175 2 No 12305 12480 0 1 Yes 848 2 No 11632 12480 0 1 Yes 251 2 No 12229 12480 0 1 Yes 307 2 No 12173 12480 0 1 Yes 273 2 No 12207 12480 0 1 Yes 44 2 No 12436 12480 0 1 Yes 457 2 No 12023 12480 0 1 Yes 1287 2 No 11193 12480 0 1 Yes 363 2 No 12117 12480 0 1 Yes 4862 2 No 7618 I1B. Had greatest impact your household's finances 7616 4864 1 Member of household lost job/income 363 2 Serious illness of a household member 3558 3 Death of a relative/household member 723 4 Theft of household property 271 5 Theft of business stock/goods 109 6 Theft of agricultural crop/livestock 321 7 Loss of household goods due to fire/flood/storm 110 8 Agricultural crop/livestock destroyed by fire/ flood/storm 526 9 Loss of an asset/dwelling/land 174 10 Failure of business 218 11 Disability due to accident/illness 221 12 Maintenance of farming/business equipment/tools 24 13 Recession/bad economy 194 14 Price increases 499 15 Other, specify 305 16 Have not experienced such events (DO NOT READ OUT) 0 Sysmiss 4864 I1C. What was done when experiencing this event 2016 10464 1 Sold assets to get money 135 2 Sold livestock to get money 173 3 Cut down on expenses 257 4 Waited/asked for donations 102 5 Borrowed money from friend/family 345 6 Borrowed money from employer 8 7 Borrowed money from bank 40 8 Borrowed money from other sources 135 9 Used own savings 257 10 Used insurance policy 26 11 Did nothing 373 12 Comparing prices to get best deal 6 13 Brand switching 58 14 Cancelled other policies 48 15 Don?t know 2 16 Other (specify) 51 Sysmiss 10464 I1D. To what extent helped to deal with this shocks 1638 10842 1 Agree 915 2 Neither agree nor disagree 632 3 Disagree 80 4 Do not know 11 Sysmiss 10842 I1E. How long did your insurance claim take to get the payment? 26 12454 1 Received payout with reasonable time 13 2 Payout was received as stipulated in the contract 8 3 The pay out was delayed 2 4 Do not know 3 Sysmiss 12454 I2. Insurance statement - Insurance is not a way of saving 12480 0 1 Agree 5461 2 Disagree 5127 3 Don't know 1892 I2. Insurance statement - Having insurance is a good way of protecting yourself 12480 0 1 Agree 10879 2 Disagree 620 3 Don't know 981 I2. Insurance statement - Better having savings rather than to have insurance 12480 0 1 Agree 9098 2 Disagree 2484 3 Don't know 898 I2. Insurance statement - Understand how insurance works 12480 0 1 Agree 5952 2 Disagree 3562 3 Don't know 2966 I2. Insurance statement - Responsible to make arrangements for the costs of fune 12480 0 1 Agree 6582 2 Disagree 4733 3 Don't know 1165 I13A. Have micro_insurance products 12480 0 1 Yes, 173 2 No 11871 3 Do not know 436 I13B. Type of micro insurance - Agriculture_crops 142 12338 1 Yes, 142 Sysmiss 12338 I13B. Type of micro insurance - Agriculture_livestock 49 12431 2 Yes, 49 Sysmiss 12431 I13B. Type of micro insurance - Other 60 12420 3 Yes, 60 Sysmiss 12420 I13C. would you be interested in micro insurance? 12480 0 1 Yes 8422 2 No 4058 I13D. Type of micro insurance interested in - Agriculture_crops 4327 8153 1 Yes, 4327 Sysmiss 8153 I13D. Type of micro insurance interested in - Agriculture_livestock 3758 8722 2 Yes, 3758 Sysmiss 8722 I13D. Type of micro insurance interested in - Agriculture_fisheries 506 11974 3 Yes, 506 Sysmiss 11974 I13D. Type of micro insurance interested in - Life cover 4567 7913 4 Yes, 4567 Sysmiss 7913 I13D. Type of micro insurance interested in - Funeral 2605 9875 5 Yes, 2605 Sysmiss 9875 I13D. Type of micro insurance interested in - Credit or loans 2124 10356 6 Yes, 2124 Sysmiss 10356 I13D. Type of micro insurance interested in - Health 4676 7804 7 Yes, 4676 Sysmiss 7804 I13D. Type of micro insurance interested in - Household 3771 8709 8 Yes, 3771 Sysmiss 8709 I13D. Type of micro insurance interested in - Accident 3536 8944 9 Yes, 3536 Sysmiss 8944 I13D. Type of micro insurance interested in - Disability 2600 9880 10 10 10 Yes, 2600 I13D. Type of micro insurance interested in - Business 1916 10564 11 11 11 Yes, 1916 I13D. Type of micro insurance interested in - Other 43 12437 12 12 12 Yes, 43 I3A. Which of the following insurance medical do you have 12480 0 1 Medical insurance (including RAMA, MMI, Mediplan,?) 807 2 Mutuelle de Sante (MdS) 10889 3 Both 108 4 None 676 I13B. Are you covered by someone else's insurance 676 11804 1 Yes 6 2 No 670 Sysmiss 11804 I4. Insurance product - Third party insurance 12480 0 1 Yes 159 2 No 12321 I4. Insurance product - Education insurance 12480 0 1 Yes 149 2 No 12331 I4. Insurance product - Household insurance 12480 0 1 Yes 97 2 No 12383 I4. Insurance product - Life insurance 12480 0 1 Yes 525 2 No 11955 I4. Insurance product - Credit life 12480 0 1 Yes 210 2 No 12270 I4. Insurance product - CSR or RSSB 12480 0 1 Yes 739 2 No 11741 I4. Insurance product - Private pension 12480 0 1 Yes 309 2 No 12171 I4. Insurance product - Agriculture insurance 12480 0 1 Yes 20 2 No 12460 I4. Insurance product - Ingoboka cash or hospital cash product 12480 0 1 Yes 343 2 No 12137 I4. Insurance product - Other insurance product not mentioned 12480 0 1 Yes 70 2 No 12410 I5. Main reason of not having Insuarance 10797 1683 1 Has never heard about it / Don?t know about insurance 925 2 Does not know how it works 1099 3 Does not know how to get it/where to get it 338 4 Does not trust it or the companies 69 5 Protects self in other ways ? don?t need it 147 6 Ntashaka gutekereza ku bintu bibi bishobora kuba 56 7 Cannot afford it 7992 8 They don?t want to pay out when you claim 56 9 Other specify 115 Sysmiss 1683 I6. Who will pay the costs associated with your funeral 12480 0 1 I have to make provision before I die/Have made provision 1693 2 My family 8492 3 The community 447 4 Employer 26 5 Itsinda ry?ingobyi 974 6 Don?t know 705 7 Other, specify 143 J1A. In the past 6 months have sent money to someone within the country 12480 0 1 Yes 3923 2 No 8557 J1B. In the past 6 months have sent money to someone outside the country 12480 0 1 Yes 153 2 No 12327 J2A1.1. Beneficiary of the money sent - Spouse 323 12157 1 Yes 323 Sysmiss 12157 J2A1.2. Beneficiary of the money sent - Child 935 11545 2 Yes 935 Sysmiss 11545 J2A1.3. Beneficiary of the money sent - Parent 406 12074 3 Yes 406 Sysmiss 12074 J2A1.4. Beneficiary of the money sent - Other family member 1317 11163 4 Yes 1317 Sysmiss 11163 J2A1.5. Beneficiary of the money sent - Friend 1021 11459 5 Yes 1021 Sysmiss 11459 J2A1.6. Beneficiary of the money sent - Supplier / Business 293 12187 6 Yes 293 Sysmiss 12187 J2A1.7. Beneficiary of the money sent - Someone you borrow from 139 12341 7 Yes 139 Sysmiss 12341 J2A1.8. Beneficiary of the money sent - School, college or university 17 12463 8 Yes 17 Sysmiss 12463 J2A1.9. Beneficiary of the money sent - Other (specify) 51 12429 9 Yes 51 Sysmiss 12429 J2A.2. Person received the money MOST in the past 6 months 3975 8505 1 Spouse 298 2 Child 897 3 Parent 356 4 Other family member 1174 5 Friend 840 6 Supplier/ Business 265 7 Someone you borrowed from 89 8 School, college or university 10 9 Other specify 46 Sysmiss 8505 J2B.2. Where did you send the money to (area)? 3941 8539 1 Rural village; 1654 2 Urban town; 2232 3 East Africa; 35 4 Other parts of the world 20 Sysmiss 8539 J2C. Frequency of sending money 3941 8539 1 Weekly; 137 2 Fortnightly; 222 3 Monthly; 583 4 Seasonally; 402 5 Once a year; 196 6 Irregularly/occasionally 2401 Sysmiss 8539 J2d1. Channel of sending money - Bank transfer / into bank account 146 12334 1 Yes 146 Sysmiss 12334 J2d2. Channel of sending money - Post office 0 12480 2 Yes 0 Sysmiss 12480 J2d3. Channel of sending money - Western Union / Money gram 61 12419 3 Yes 61 Sysmiss 12419 J2d4. Channel of sending money - Cell phone top-up or Me2U 87 12393 4 Yes 87 Sysmiss 12393 J2d5. Channel of sending money - Mobile money 3481 8999 5 Yes 3481 Sysmiss 8999 J2d6. Channel of sending money - Bus or taxi 13 12467 6 Yes 13 Sysmiss 12467 J2d7. Channel of sending money - Relative / friend / someone else 216 12264 7 Yes 216 Sysmiss 12264 J2d8. Channel of sending money - Taking money personally there 95 12385 8 Yes 95 Sysmiss 12385 J2d9. Channel of sending money - Other 2 12478 9 Yes 2 Sysmiss 12478 J2E. How much did you send the last time? 3941 8539 200 9000000 37617.765 220226.329 J3A. In the past 6 months have received money from someone within the country 12480 0 1 Yes 4200 2 No 8280 J3B. In the past 6 months have received money from someone outside the country 12480 0 1 Yes 465 2 No 12015 J4A. Source of the money received - Spouse 348 12132 1 Yes 348 Sysmiss 12132 J4A. Source of the money received - Child 663 11817 2 Yes 663 Sysmiss 11817 J4A. Source of the money received - Parent 192 12288 3 Yes 192 Sysmiss 12288 J4A. Source of the money received - Other family member 1318 11162 4 Yes 1318 Sysmiss 11162 J4A. Source of the money received - Friend 1455 11025 5 Yes 1455 Sysmiss 11025 J4A. Source of the money received - Customer 455 12025 6 Yes 455 Sysmiss 12025 J4A. Source of the money received - Someone you lent to 189 12291 7 Yes 189 Sysmiss 12291 J4A. Source of the money received - Other 0 12480 8 Yes 0 Sysmiss 12480 J4A.1. Where did you send the money to? 4334 8146 1 Spouse 335 2 Child 649 3 Parent 183 4 Other family member 1234 5 Friend 1333 6 Customer 431 7 Someone you lent money to 169 8 Other specify 0 Sysmiss 8146 J4B. Where did you receive the money from? 4325 8155 1 Rural village; 1062 2 Urban town; 3101 3 East Africa; 61 4 Other parts of the world 101 Sysmiss 8155 J4C. How often do you send money? 4325 8155 1 Weekly; 156 2 Fortnightly; 227 3 Monthly; 559 4 Seasonally; 304 5 Once a year; 246 6 Irregularly/occasionally 2833 Sysmiss 8155 J4D. Which channel do you most receive money trough? 4325 8155 1 Bank transfer/Pay into bank account; 141 2 Post Office 0 3 Western Union/ Money gram; 133 4 Cell phone top-up (Me2U); 26 5 Mobile money; 3733 6 Bus or Taxi; 7 7 Sending someone travelling there; 200 8 Taking the money there in person; 85 9 Other 0 Sysmiss 8155 J4E. What did you use most of the money sent you for? 4325 8155 1 Investment 317 2 Business 396 3 Bought food/clothes; 2201 4 Paid school fees; 387 5 Paid medical fees/medicine; 365 6 Paid funeral expenses; 40 7 Kugura inzu cg Kuyubaka 137 8 Kwishyura ubukode bw?inzu 62 9 Other, specify 420 Sysmiss 8155 J5A. Have you ever sent or received money using a mobile phone? 12480 0 1 Yes, have received it 2028 2 Yes, have sent it 609 3 Yes, have received and sent it 3993 4 No 5850 J5B. Sent/received money using a mobile phone in the past 6 months 6630 5850 1 Yes, have received it 1905 2 Yes, have sent it 1217 3 Yes, have received and sent it 2470 4 No 1038 Sysmiss 5850 J6A. Would you use a mobile phone to send money? 1056 11424 1 Yes 998 2 No 58 Sysmiss 11424 J6B. Reason why one would not use a mobile phone to send money 71 12409 1 No hope 6 2 It is Difficult 16 3 The Users are far from here 1 4 It is expensive 8 5 No mobile Phone nearby 15 6 Chose another way to send and receive money 3 7 No required documents to register 0 8 Don't need it 6 9 Other 16 Sysmiss 12409 12480 0 1 True 7608 2 False 4092 3 Don't know 780 K1. Banking statements - Having a bank account makes it easier to get credit 12480 0 1 True 10333 2 False 973 3 Don't know 1174 K1. Banking statements - You can easily live your life without a bank account 12480 0 1 True 6829 2 False 4508 3 Don't know 1143 K1. Banking statements - Most services from banks are also offered elsewhere 12480 0 1 True 6556 2 False 3316 3 Don't know 2608 K1. Banking statements - You trust banks with your money 12480 0 1 True 9387 2 False 1079 3 Don't know 2014 K1. Banking statements - Banking is for people like me 12480 0 1 True 8791 2 False 2485 3 Don't know 1204 K1. Banking statements - Banks treat people with respect 12480 0 1 True 9925 2 False 311 3 Don't know 2244 K1.2.1. Do you have a bank account? 12480 0 1 Yes 2746 2 No 9734 KB2. Using someone else bank account 12480 0 1 Yes 872 2 No 11608 K1.2.1B.1. Where bank products held 2957 9523 1 BRD 12 2 I&M BANK 167 3 KCB 189 4 ECOBANK 129 5 BPR 524 6 BK 534 7 ACCESS BANK 35 8 URWEGO BANK 197 9 ZIGAMA CSS 206 10 GTBANK 181 11 BANK OF AFRICA 168 12 EQUITY BANK 249 13 UNGUKA BANK 141 14 AB BANK 8 15 COGEBANQUE 179 16 COMMERCIAL BANK OF AFRICA 38 Sysmiss 9523 K1.2.1B.2. Where bank products held 2957 9523 1 BRD 1 2 I&M BANK 2 3 KCB 4 4 ECOBANK 4 5 BPR 36 6 BK 30 7 ACCESS BANK 3 8 URWEGO BANK 6 9 ZIGAMA CSS 2 10 GTBANK 3 11 BANK OF AFRICA 2 12 EQUITY BANK 13 13 UNGUKA BANK 5 14 AB BANK 1 15 COGEBANQUE 9 16 COMMERCIAL BANK OF AFRICA 2 99 NO OTHER BANK 2834 Sysmiss 9523 KB4. How many bank accounts in different banks you have in your own name 2957 9523 1 One 2864 2 Two 85 3 More than 2 8 4 None 0 Sysmiss 9523 KB5. Bank considered to be the main 93 12387 1 BRD 0 2 I&M BANK 1 3 KCB 2 4 ECOBANK 3 5 BPR 22 6 BK 36 7 ACCESS BANK 1 8 URWEGO BANK 4 9 ZIGAMA CSS 6 10 GTBANK 2 11 BANK OF AFRICA 1 12 EQUITY BANK 10 13 UNGUKA BANK 0 14 AB BANK 1 15 COGEBANQUE 3 16 COMMERCIAL BANK OF AFRICA 1 Sysmiss 12387 KB6A. How often do you use your main bank account? 2957 9523 1 Daily 19 2 Weekly 869 3 Monthly 1472 4 Once every 3 months 451 5 Less often 140 6 Do not know 6 Sysmiss 9523 KB6B. Do you withdraw all your money as soon it is deposited into your bank acco 2368 10112 1 Yes 449 2 No 1917 3 Do not know 2 Sysmiss 10112 KA7. Reason for not using bank account more frequently - Using my account or car 18 12462 1 Yes 18 Sysmiss 12462 KA7. Reason for not using bank account more frequently - Using my account or car 3 12477 2 Yes 3 Sysmiss 12477 KA7. Reason for not using bank account more frequently - My account or card does 1 12479 3 Yes 1 Sysmiss 12479 KA7. Reason for not using bank account more frequently - Places where I typicall 8 12472 4 Yes 8 Sysmiss 12472 KA7. Reason for not using bank account more frequently - I prefer to transact in 418 12062 5 Yes 418 Sysmiss 12062 KA7. Reason for not using bank account more frequently - I Don't trust my bank 2 12478 6 Yes 2 Sysmiss 12478 KA7. Reason for not using bank account more frequently - I do not have enough mo 130 12350 7 Yes 130 Sysmiss 12350 KA7. Reason for not using bank account more frequently - To avoid debit or stop 6 12474 8 Yes 6 Sysmiss 12474 KA7. Reason for not using bank account more frequently - Avoid illegal debit ord 7 12473 9 Yes 7 Sysmiss 12473 KA7. Reason for not using bank account more frequently - Other 27 12453 10 10 10 Yes 27 KB7. Reason for withdrawing all your money as soon as it is deposited - Using my 15 12465 1 Yes 15 Sysmiss 12465 KB7. Reason for withdrawing all your money as soon as it is deposited - Using my 6 12474 2 Yes 6 Sysmiss 12474 KB7. Reason for withdrawing all your money as soon as it is deposited - My accou 4 12476 3 Yes 4 Sysmiss 12476 KB7. Reason for withdrawing all your money as soon as it is deposited - Places w 2 12478 4 Yes 2 Sysmiss 12478 KB7. Reason for withdrawing all your money as soon as it is deposited - I prefer 405 12075 5 Yes 405 Sysmiss 12075 KB7. Reason for withdrawing all your money as soon as it is deposited - I Don't 1 12479 6 Yes 1 Sysmiss 12479 KB7. Reason for withdrawing all your money as soon as it is deposited - I do not 18 12462 7 Yes 18 Sysmiss 12462 KB7. Reason for withdrawing all your money as soon as it is deposited - To avoid 6 12474 8 Yes 6 Sysmiss 12474 KB7. Reason for withdrawing all your money as soon as it is deposited - Avoid il 3 12477 9 Yes 3 Sysmiss 12477 KB7. Reason for withdrawing all your money as soon as it is deposited - Other 9 12471 10 10 10 Yes 9 KB8. Bank account features that matter most - The amount of total monthly fees a 305 12175 1 Yes 305 Sysmiss 12175 KB8. Bank account features that matter most - Interest rate on savings 128 12352 2 Yes 128 Sysmiss 12352 KB8. Bank account features that matter most - The fees for specific transactions 98 12382 3 Yes 98 Sysmiss 12382 KB8. Bank account features that matter most - Convenient access to ATMs 149 12331 4 Yes 149 Sysmiss 12331 KB8. Bank account features that matter most - Convenient access to bank branches 2494 9986 5 Yes 2494 Sysmiss 9986 KB8. Bank account features that matter most - Convenient access to internet bank 91 12389 6 Yes 91 Sysmiss 12389 KB8. Bank account features that matter most - Convenient access to mobile bankin 105 12375 7 Yes 105 Sysmiss 12375 KB8. Bank account features that matter most - User_friendly mobile apps or inter 69 12411 8 Yes 69 Sysmiss 12411 KB8. Bank account features that matter most - Quality of customer service in ban 2518 9962 9 Yes 2518 Sysmiss 9962 KB8. Bank account features that matter most - Loyalty program 234 12246 10 10 10 Yes 234 KB8. Bank account features that matter most - Convenience of having an account a 2406 10074 11 11 11 Yes 2406 12 No 0 KB8. Bank account features that matter most - Other 22 12458 12 12 12 Yes 22 KB9. Does your bank account help you manage your money better? 2957 9523 1 Yes 2923 2 No 34 3 Don't know 0 Sysmiss 9523 KB10. To what extent you agree with the following statement - Given details on a 2957 9523 1 True 2509 2 False 437 3 Do not know 11 Sysmiss 9523 KB10. To what extent you agree with the following statement - Shown options to c 2957 9523 1 True 2478 2 False 468 3 Do not know 11 Sysmiss 9523 KB10. To what extent you agree with the following statement - Knew which account 2957 9523 1 True 2460 2 False 485 3 Don't know 12 Sysmiss 9523 KB10. To what extent you agree with the following statement - Would choose the s 2957 9523 1 True 2327 2 False 618 3 Don't know 12 Sysmiss 9523 KB10. To what extent you agree with the following statement - Would recommend yo 2957 9523 1 True 2461 2 False 490 3 Don't know 6 Sysmiss 9523 KB10. To what extent you agree with the following statement - Account you have i 2957 9523 1 True 2388 2 False 558 3 Don't know 11 Sysmiss 9523 KB10. To what extent you agree with the following statement - Fees and charges i 2957 9523 1 True 2457 2 False 490 3 Don't Know 10 Sysmiss 9523 KB10. To what extent you agree with the following statement - Can count on bank 2957 9523 1 True 2540 2 False 413 3 Don't know 4 Sysmiss 9523 KB11. Have you seriously considered opening an account with a new bank in the pa 2957 9523 1 You have seriously considered opening an account with a new 68 2 You have seriously considered changing my main account type 14 3 No, you have not considered opening a new bank account in th 2875 Sysmiss 9523 KB12. Have you opened an account with a new bank in the past year or changed you 2957 9523 1 You have opened an account with a new bank 27 2 You have changed your main account type with my current bank 12 3 No, you have not changed a bank account in the past year 2918 Sysmiss 9523 KB 13. Reason for opening an account with a new bank - Saw advertisement for an 17 12463 1 Yes 17 Sysmiss 12463 KB 13. Reason for opening an account with a new bank - Recommendation from frien 13 12467 2 Yes 13 Sysmiss 12467 KB 13. Reason for opening an account with a new bank - Not satisfied with my pre 5 12475 3 Yes 5 Sysmiss 12475 KB 13. Reason for opening an account with a new bank - Account at the new bank i 3 12477 4 Yes 3 Sysmiss 12477 KB 13. Reason for opening an account with a new bank - Fees are lower than at my 4 12476 5 Yes 4 Sysmiss 12476 KB 13. Reason for opening an account with a new bank - Salary or other payment i 6 12474 6 Yes 6 Sysmiss 12474 KB 13. Reason for opening an account with a new bank - Other 1 12479 7 Yes 1 Sysmiss 12479 KB14. Banking product - Bank ATM card or Debit card 2957 9523 1 Never had it 1465 2 Used to have it in the past 12 months 165 3 Have /use it now 1327 Sysmiss 9523 KB14. Banking product - Credit card 2957 9523 1 Never had it 2664 2 Used to have it in the past 12 months 90 3 Have /use it now 203 Sysmiss 9523 KB14. Banking product - Current account 2957 9523 1 Never had it 918 2 Used to have it in the past 12 months 216 3 Have /use it now 1823 Sysmiss 9523 KB14. Banking product - Fixed deposit account 2957 9523 1 Never had it 2428 2 Used to have it in the past 12 months 99 3 Have /use it now 430 Sysmiss 9523 KB14. Banking product - Savings account 2957 9523 1 Never had it 940 2 Used to have it in the past 12 months 220 3 Have /use it now 1797 Sysmiss 9523 KB14. Banking product - Mortgage 2957 9523 1 Never had it 2008 2 Used to have it in the past 12 months 221 3 Have /use it now 728 Sysmiss 9523 KB14. Banking product - Overdraft 2957 9523 1 Never had it 2577 2 Used to have it in the past 12 months 95 3 Have /use it now 285 Sysmiss 9523 KB14. Banking product - Loans 2957 9523 1 Never had it 1919 2 Used to have it in the past 12 months 224 3 Have /use it now 814 Sysmiss 9523 KB14. Banking product - Mobile money (e-wallet) 2957 9523 1 Never had it 1648 2 Used to have it in the past 12 months 108 3 Have /use it now 1201 Sysmiss 9523 KB14. Banking product - Bank USSD codes 2957 9523 1 Never had it 2152 2 Used to have it in the past 12 months 86 3 Have /use it now 719 Sysmiss 9523 KB14. Banking product - Internet banking 2957 9523 1 Never had it 1949 2 Used to have it in the past 12 months 61 3 Have /use it now 947 Sysmiss 9523 KB14. Banking product - Bank card 2957 9523 1 Never had it 1335 2 Used to have it in the past 12 months 131 3 Have /use it now 1491 Sysmiss 9523 KB15. How often do you usually do - Cash a cheque 2957 9523 1 Daily or more often 33 2 At least one a week 54 3 At least once a month 2604 4 A few times a year 218 5 Once a year 39 6 Don't know 9 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Deposit cash into a bank account 2957 9523 1 Daily or more often 39 2 At least one a week 77 3 At least once a month 2613 4 A few times a year 180 5 Once a year 44 6 Don't know 4 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Deposit a cheque into a bank account 2957 9523 1 Daily or more often 19 2 At least one a week 38 3 At least once a month 286 4 A few times a year 2574 5 Once a year 32 6 Don't know 8 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Cash withdrawal from a bank account 2957 9523 1 Daily or more often 40 2 At least one a week 77 3 At least once a month 2620 4 A few times a year 172 5 Once a year 40 6 Don't know 8 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Pay people/bills using a cheque 2957 9523 1 Daily or more often 18 2 At least one a week 20 3 At least once a month 336 4 A few times a year 2557 5 Once a year 23 6 Don't know 3 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Money transfers between your own bank accoun 2957 9523 1 Daily or more often 16 2 At least one a week 13 3 At least once a month 307 4 A few times a year 2583 5 Once a year 30 6 Don't know 8 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Money transfer to another person’s bank acco 2957 9523 1 Daily or more often 13 2 At least one a week 16 3 At least once a month 294 4 A few times a year 2582 5 Once a year 46 6 Don't know 6 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Receive money from someone into a bank accou 2957 9523 1 Daily or more often 16 2 At least one a week 19 3 At least once a month 259 4 A few times a year 2590 5 Once a year 66 6 Don't know 7 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Get a bank statement 2957 9523 1 Daily or more often 57 2 At least one a week 34 3 At least once a month 2609 4 A few times a year 191 5 Once a year 51 6 Don't know 15 7 Never 0 Sysmiss 9523 KB15. How often do you usually do - Buy airtime 2957 9523 1 Daily or more often 25 2 At least one a week 32 3 At least once a month 61 4 A few times a year 39 5 Once a year 19 6 Don't know 6 7 Never 2775 Sysmiss 9523 KB15. How often do you usually do - Other 2957 9523 1 Daily or more often 17 2 At least one a week 22 3 At least once a month 48 4 A few times a year 24 5 Once a year 14 6 Don't know 8 7 Never 2824 Sysmiss 9523 KB16.1. Channel used to cash a cheque - Bank 2854 9626 1 Yes 2854 Sysmiss 9626 KB16.1. Channel used to deposit cash - Bank 2833 9647 1 Yes 2833 Sysmiss 9647 KB16.1. Channel used to deposit a cheque into a bank account - Bank 2876 9604 1 Yes 2876 Sysmiss 9604 KB16.1. Channel used to cash withdrawal from a bank account - Bank 2781 9699 1 Yes 2781 Sysmiss 9699 KB16.1. Channel used to paid people/bills using a cheque - Bank 2854 9626 1 Yes 2854 Sysmiss 9626 KB16.1. Channel used to money transfers between your own bank accounts - Bank 2896 9584 1 Yes 2896 Sysmiss 9584 KB16.1. Channel used to money transfer to another person’s bank account - Bank 2893 9587 1 Yes 2893 Sysmiss 9587 KB16.1. Channel used to receive money from someone into a bank account - Bank 2899 9581 1 Yes 2899 Sysmiss 9581 KB16.1. Channel used to get a bank statement - Bank 2523 9957 1 Yes 2523 Sysmiss 9957 KB16.1. Channel used to buy airtime - Bank 52 12428 1 Yes 52 Sysmiss 12428 KB16.1. Channel used to other activities - Bank 57 12423 1 Yes 57 Sysmiss 12423 KB16.2. Channel used to cash a cheque - ATM 96 12384 2 Yes 96 Sysmiss 12384 KB16.2. Channel used to deposit cash - ATM 76 12404 2 Yes 76 Sysmiss 12404 KB16.2. Channel used to deposit a cheque into a bank account - ATM 42 12438 2 Yes 42 Sysmiss 12438 KB16.2. Channel used to cash withdrawal from a bank account - ATM 165 12315 2 Yes 165 Sysmiss 12315 KB16.2. Channel used to paid people/bills using a cheque - ATM 40 12440 2 Yes 40 Sysmiss 12440 KB16.2. Channel used to money transfers between your own bank accounts - ATM 24 12456 2 Yes 24 Sysmiss 12456 KB16.2. Channel used to money transfer to another person’s bank account - ATM 22 12458 2 Yes 22 Sysmiss 12458 KB16.2. Channel used to receive money from someone into a bank account - ATM 31 12449 2 Yes 31 Sysmiss 12449 KB16.2. Channel used to get a bank statement - ATM 45 12435 2 Yes 45 Sysmiss 12435 KB16.2. Channel used to buy airtime - ATM 27 12453 2 Yes 27 Sysmiss 12453 KB16.2. Channel used to other activities - ATM 29 12451 2 Yes 29 Sysmiss 12451 KB16.3. Channel used to cash a cheque - Internet banking 15 12465 3 Yes 15 Sysmiss 12465 KB16.3. Channel used to deposit cash - Internet banking 23 12457 3 Yes 23 Sysmiss 12457 KB16.3. Channel used to deposit a cheque into a bank account - Internet banking 17 12463 3 Yes 17 Sysmiss 12463 KB16.3. Channel used to cash withdrawal from a bank account - Internet banking 20 12460 3 Yes 20 Sysmiss 12460 KB16.3. Channel used to paid people/bills using a cheque - Internet banking 12 12468 3 Yes 12 Sysmiss 12468 KB16.3. Channel used to money transfers between your own bank accounts - Interne 14 12466 3 Yes 14 Sysmiss 12466 KB16.3. Channel used to money transfer to another person’s bank account - Intern 12 12468 3 Yes 12 Sysmiss 12468 KB16.3. Channel used to receive money from someone into a bank account - Interne 17 12463 3 Yes 17 Sysmiss 12463 KB16.3. Channel used to get a bank statement - Internet banking 22 12458 3 Yes 22 Sysmiss 12458 KB16.3. Channel used to buy airtime - Internet banking 16 12464 3 Yes 16 Sysmiss 12464 KB16.4. Channel used to other activities - Internet banking 8 12472 3 Yes 8 Sysmiss 12472 KB16.4. Channel used to cash a cheque - Bank card 43 12437 4 Yes 43 Sysmiss 12437 KB16.4. Channel used to deposit cash - Bank card 35 12445 4 Yes 35 Sysmiss 12445 KB16.4. Channel used to deposit a cheque into a bank account - Bank card 18 12462 4 Yes 18 Sysmiss 12462 KB16.4. Channel used to cash withdrawal from a bank account - Bank card 32 12448 4 Yes 32 Sysmiss 12448 KB16.4. Channel used to paid people/bills using a cheque - Bank card 39 12441 4 Yes 39 Sysmiss 12441 KB16.4. Channel used to money transfers between your own bank accounts - Bank ca 20 12460 4 Yes 20 Sysmiss 12460 KB16.4. Channel used to money transfer to another person’s bank account - Bank c 23 12457 4 Yes 23 Sysmiss 12457 KB16.4. Channel used to receive money from someone into a bank account - Bank ca 20 12460 4 Yes 20 Sysmiss 12460 KB16.4. Channel used to get a bank statement - Bank card 2694 9786 4 Yes 2694 Sysmiss 9786 KB16.4. Channel used to buy airtime - Bank card 75 12405 4 Yes 75 Sysmiss 12405 KB16.4. Channel used to other activities - Bank card 15 12465 4 Yes 15 Sysmiss 12465 KB16.5. Channel used to cash a cheque - Bank card 28 12452 5 Yes 28 Sysmiss 12452 KB16.5. Channel used to deposit cash - Bank card 37 12443 5 Yes 37 Sysmiss 12443 KB16.5. Channel used to deposit a cheque into a bank account - Bank card 23 12457 5 Yes 23 Sysmiss 12457 KB16.5. Channel used to cash withdrawal from a bank account - Bank card 50 12430 5 Yes 50 Sysmiss 12430 KB16.5. Channel used to paid people/bills using a cheque - Bank card 20 12460 5 Yes 20 Sysmiss 12460 KB16.5. Channel used to money transfers between your own bank accounts - Bank ca 16 12464 5 Yes 16 Sysmiss 12464 KB16.5. Channel used to money transfer to another person’s bank account - Bank c 21 12459 5 Yes 21 Sysmiss 12459 KB16.5. Channel used to receive money from someone into a bank account - Bank ca 16 12464 5 Yes 16 Sysmiss 12464 KB16.5. Channel used to get a bank statement - Bank card 14 12466 5 Yes 14 Sysmiss 12466 KB16.5. Channel used to buy airtime - Bank card 9 12471 5 Yes 9 Sysmiss 12471 KB16.5. Channel used to other activities - Bank card 11 12469 5 Yes 11 Sysmiss 12469 KB16.6. Channel used to cash a cheque - USSD code 11 12469 6 Yes 11 Sysmiss 12469 KB16.6. Channel used to deposit cash - USSD code 3 12477 6 Yes 3 Sysmiss 12477 KB16.6. Channel used to deposit a cheque into a bank account - USSD code 1 12479 6 Yes 1 Sysmiss 12479 KB16.6. Channel used to cash withdrawal from a bank account - USSD code 6 12474 6 Yes 6 Sysmiss 12474 KB16.6. Channel used to paid people/bills using a cheque - USSD code 2 12478 6 Yes 2 Sysmiss 12478 KB16.6. Channel used to money transfers between your own bank accounts - USSD co 3 12477 6 Yes 3 Sysmiss 12477 KB16.6. Channel used to money transfer to another person’s bank account - USSD c 4 12476 6 Yes 4 Sysmiss 12476 KB16.6. Channel used to receive money from someone into a bank account - USSD co 4 12476 6 Yes 4 Sysmiss 12476 KB16.6. Channel used to get a bank statement - USSD code 20 12460 6 Yes 20 Sysmiss 12460 KB16.6. Channel used to buy airtime - USSD code 9 12471 6 Yes 9 Sysmiss 12471 KB16.6. Channel used to other activities - USSD code 5 12475 6 Yes 5 Sysmiss 12475 KB16.7. Channel used to cash a cheque - Other 18 12462 7 Yes 18 Sysmiss 12462 KB16.7. Channel used to deposit cash - Other 20 12460 7 Yes 20 Sysmiss 12460 KB16.7. Channel used to deposit a cheque into a bank account - Other 23 12457 7 Yes 23 Sysmiss 12457 KB16.7. Channel used to cash withdrawal from a bank account - Other 19 12461 7 Yes 19 Sysmiss 12461 KB16.7. Channel used to paid people/bills using a cheque - Other 29 12451 7 Yes 29 Sysmiss 12451 KB16.7. Channel used to money transfers between your own bank accounts - Other 11 12469 7 Yes 11 Sysmiss 12469 KB16.7. Channel used to money transfer to another person’s bank account - Other 11 12469 7 Yes 11 Sysmiss 12469 KB16.7. Channel used to receive money from someone into a bank account - Other 8 12472 7 Yes 8 Sysmiss 12472 KB16.7. Channel used to get a bank statement - Other 12 12468 7 Yes 12 Sysmiss 12468 KB16.7. Channel used to buy airtime - Other 22 12458 7 Yes 22 Sysmiss 12458 KB16.7. Channel used to other activities - Other 28 12452 7 Yes 28 Sysmiss 12452 K16. Main reason why you do not have a bank account 9523 2957 1 Does not need it - Insufficient or no money coming it to jus 7560 2 Cannot maintain the minimum balance 597 3 Bank service charges are too high 414 4 Banks are too far away 130 5 Banking hours are not convenien 4 6 Does not have the documentation required 81 7 Does not know how to apply 28 8 Does not understand benefits from having a bank account 29 9 Does not trust banks 4 10 Banks do not provide the products or services I need 11 11 Can get services needed elsewhere in the community 551 12 Need permission of someone else to open it 9 13 Other specify 105 Sysmiss 2957 K2.1A. Do you have a MFI account 12480 0 1 Yes 1228 2 No 11252 K2.1B. Have you used your MFI account this year 1228 11252 1 Yes 1002 2 No 226 Sysmiss 11252 K2.1C. Main reason for you not using your MFI account 227 12253 1 Didn't need to use it 132 2 doesn't meet my needs; 5 3 Too expensive 27 4 Too complicated 15 5 Service is not good 4 6 Other 44 Sysmiss 12253 KM2. Impact: MFI account helps manage your money better 1228 11252 1 Yes 1130 2 No 93 3 Don't know 5 Sysmiss 11252 K2.2. Main reason why you not have a MFI account 11349 1131 1 Does not need it - Insufficient or no money coming it to jus 8604 2 Cannot maintain the minimum balance 690 3 MFI service charges are too high 247 4 MFI are too far away 177 5 MFI hours are not convenient 10 6 Does not have the documentation required 104 7 Does not know how to apply 77 8 Does not understand benefits from having a MFI account 50 9 Does not trust MFI s 56 10 MFI do not provide the products or services I need 26 11 Can get services needed elsewhere in the community 1169 12 Need permission of someone else to open it 10 13 Other specify 129 Sysmiss 1131 K3.1A. Member of an Umurenge SACCO/have an Umurenge SACCO account 12480 0 1 Yes 4364 2 No 8116 K3.1B. Have you used your Umurenge SACCO account this year? 4364 8116 1 Yes 3385 2 No 979 Sysmiss 8116 K3.1C. Main reason for you not using Umurenge SACCO account 982 11498 1 Didn't need to use it 504 2 doesn't meet my needs; 50 3 Too expensive 168 4 Too complicated 40 5 Service is not good 31 6 Other, specify 189 Sysmiss 11498 K3.1G. When becoming a SACCO member, did you have an account with a bank or a MF 4364 8116 1 Yes 912 2 No 3452 Sysmiss 8116 K3.1H. Did you close any of these when you opened your Umurenge SACCO account/be 915 11565 1 Yes 346 2 No 569 Sysmiss 11565 K3.1I. Were you member of a group such as a savings and loan group or a savings 4364 8116 1 Yes 2106 2 No 2258 Sysmiss 8116 K3.1J. Did you give up your membership 2113 10367 1 Yes 314 2 No 1799 Sysmiss 10367 KS3.1K Impact: Is SACCO account help you manage your money better? 358 12122 1 Yes 319 2 No 34 3 Don't know 5 Sysmiss 12122 K3.2. Main reason why do you not have a Umurenge account 8154 4326 1 Does not need it - Insufficient or no money coming it to jus 6314 2 Cannot maintain the minimum balance 435 3 UMURENGE SACCO service charges are too high 154 4 UMURENGE SACCO are too far away 50 5 UMURENGE SACCO hours are not convenient 13 6 Does not have the documentation required 88 7 Does not know how to apply 32 8 Does not understand benefits of having a UMURENGE SACCO acco 55 9 Does not trust UMURENGE SACCOs 45 10 UMURENGE SACCO do not provide the products or services I nee 41 11 Can get services needed elsewhere in the community 809 12 Need permission of someone else to open it 14 13 Other specify 104 Sysmiss 4326 F1.1. How do you usually pay for food/groceries? 12480 0 1 By using your own cash 11974 2 By borrowing money and paying in cash 12 3 Pay through bank 16 4 By cheque 1 5 By debit card/ATM card 10 6 By credit card 0 7 Mobile phone payment/Mobile money services 6 8 Internet payment 2 9 By getting from the shop/supplier and paying later with inte 3 10 By getting from the shop/supplier and paying later without i 11 11 By exchanging goods 4 12 By providing services or doing piece work 68 13 You do not buy this because somebody buys it for you or the 127 14 You don?t buy this because you never use this 226 15 Other, specify 20 F1.2. How do you usually pay for school fees? 12480 0 1 By using your own cash 5022 2 By borrowing money and paying in cash 97 3 Pay through bank 2609 4 By cheque 24 5 By debit card/ATM card 5 6 By credit card 2 7 Mobile phone payment/Mobile money services 22 8 Internet payment 3 9 By getting from the shop/supplier and paying later with inte 1 10 By getting from the shop/supplier and paying later without i 0 11 By exchanging goods 2 12 By providing services or doing piece work 41 13 You do not buy this because somebody buys it for you or the 286 14 You don?t buy this because you never use this 3888 15 Other, specify 478 F1.3. How do you usually pay for large appliances? 12480 0 1 By using your own cash 10164 2 By borrowing money and paying in cash 26 3 Pay through bank 60 4 By cheque 15 5 By debit card/ATM card 10 6 By credit card 0 7 Mobile phone payment/Mobile money services 16 8 Internet payment 3 9 By getting from the shop/supplier and paying later with inte 2 10 By getting from the shop/supplier and paying later without i 3 11 By exchanging goods 2 12 By providing services or doing piece work 45 13 You do not buy this because somebody buys it for you or the 291 14 You don?t buy this because you never use this 1701 15 Other, specify 142 F1.4.1. You would rather deal with people face to face than with machines such a 12480 0 1 True 9018 2 False 2818 3 Don't know 644 F1.4.1. You are prepared to learn how to use new technology 12480 0 1 True 9075 2 False 2881 3 Don't know 524 F1.4.1. You prefer to pay for goods and services in cash rather than using elect 12480 0 1 True 9957 2 False 2218 3 Don't know 305 FM1. Number of mobile phones owned by HH 12480 0 0 2592 1 4187 2 3736 3 1208 4 464 5 169 6 68 7 28 8 16 9 3 10 5 11 2 12 1 13 1 FM2. Do you own a mobile phone 9888 2592 1 Yes 8212 2 No 1676 Sysmiss 2592 FM3. Do you use a mobile phone that belongs to someone else or shared 4268 8212 1 Yes 1734 2 No 2534 Sysmiss 8212 FM4. Statements best describing your experience with mobile money 9946 2534 1 You do not know or aware about Mobile Money 510 2 You are not registered and have never used mobile money serv 1418 3 You are registered but you have never used mobile money serv 556 4 You are registered and have used it before but not any more 373 5 You use mobile money services, but you are not registered 151 6 You are a registered mobile money user 6938 Sysmiss 2534 FM5. Number of MoM accounts do you currently have 7096 5384 0 1 1 5189 2 1848 3 43 4 11 5 2 6 1 8 1 Sysmiss 5384 FM6. Reason for using mobile money - Mobile money is the only accessible one in 1498 10982 1 Yes 1498 Sysmiss 10982 FM6. Reason for using mobile money - It is easy to register 2164 10316 2 Yes 2164 Sysmiss 10316 FM6. Reason for using mobile money - It is cheap or most affordable 2671 9809 3 Yes 2671 Sysmiss 9809 FM6. Reason for using mobile money - This is the most convenient 2178 10302 4 Yes 2178 Sysmiss 10302 FM6. Reason for using mobile money - Practical to pay bills 1769 10711 5 Yes 1769 Sysmiss 10711 FM6. Reason for using mobile money - I trust it 3314 9166 6 Yes 3314 Sysmiss 9166 FM6. Reason for using mobile money - It helps me to keep money safe or to save 1648 10832 7 Yes 1648 Sysmiss 10832 FM6. Reason for using mobile money - Other 235 12245 8 Yes 235 Sysmiss 12245 FM6. Reason for using mobile money - Do not know 32 12448 9 Yes 32 Sysmiss 12448 FM7. Challenges have you faced when using mobile money - Service or Agent networ 1071 11409 1 Yes 1071 Sysmiss 11409 FM7. Challenges have you faced when using mobile money - Inconsistent availabili 271 12209 2 Yes 271 Sysmiss 12209 FM7. Challenges have you faced when using mobile money - Difficulty operating th 169 12311 3 Yes 169 Sysmiss 12311 FM7. Challenges have you faced when using mobile money - Unclear transaction cha 352 12128 4 Yes 352 Sysmiss 12128 FM7. Challenges have you faced when using mobile money - Agent float or cash ava 296 12184 5 Yes 296 Sysmiss 12184 FM7. Challenges have you faced when using mobile money - Contacting customer car 177 12303 6 Yes 177 Sysmiss 12303 FM7. Challenges have you faced when using mobile money - Sending to a wrong numb 498 11982 7 Yes 498 Sysmiss 11982 FM7. Challenges have you faced when using mobile money - Family or friends steal 52 12428 8 Yes 52 Sysmiss 12428 FM7. Challenges have you faced when using mobile money - Other 83 12397 9 Yes 83 Sysmiss 12397 FM7. Challenges have you faced when using mobile money - None 5436 7044 10 10 10 Yes 5436 F2.5.1. Mobile money service provider - Tigo 2747 9733 1 Yes 2747 Sysmiss 9733 F2.6.1. How important is Tigo mobile account is to your finances? 2747 9733 1 Important 2693 2 Not important 54 Sysmiss 9733 F2.5.2. Mobile money service provider - MTN 6267 6213 2 Yes 6267 Sysmiss 6213 F2.6.3. How important is MTN mobile account is to your finances? 6267 6213 1 Important 6228 2 Not important 39 Sysmiss 6213 F2.5.3. Mobile money service provider - Other 8 12472 3 Yes 8 Sysmiss 12472 F2.6.3. How important is Other mobile account is to your finances? 8 12472 1 Important 6 2 Not important 2 Sysmiss 12472 F2.12. How often do you use Mobile money 7090 5390 1 Daily 245 2 At least once a week 918 3 Not every week but several times a month 1976 4 Less than once a month 3149 5 Other, specify 802 Sysmiss 5390 FM8. Impact: Does your mobile money account help you manage your money better? 7093 5387 1 Yes 6335 2 No 678 3 Don't know 80 Sysmiss 5387 F2.15. Main reason for not using mobile money 2872 9608 1 I do not know what it is 406 2 I do not know how to get it 182 3 I do not have the required documents 54 4 There is no point-of-service/agent close to where I live 33 5 I do not need it, I do not make any transactions 790 6 Registration is too complicated 25 7 Registration fee is too high 79 8 Using it is difficult 136 9 Fees for using this service are too high 112 10 No one among my friends or family use this service 45 11 I do not understand this service; I do not know what I can u 51 12 I do not have a smartphone 537 13 I do not trust that my money is safe on a mobile money accou 49 14 My spouse, family, in-laws do not approve of me having a mob 3 15 It is against my religion 0 16 I do not use it because all agents are men 0 17 Mobile money does not provide anything better/any advantage 77 18 Other, specify 293 Sysmiss 9608 L1. Belong to a savings groups such as a VSLA 12480 0 1 Yes 7577 2 No 4903 LIB. Is your savings group supported any non-profit organisation? 7577 4903 1 Yes 857 2 No 6720 3 Don't know 0 Sysmiss 4903 L1B2. Supporting partners: Government 112 12368 1 Yes 112 Sysmiss 12368 L1B2. Supporting partners: CARE 442 12038 2 Yes 442 Sysmiss 12038 L1B2. Supporting partners: CRS 27 12453 3 Yes 27 Sysmiss 12453 L1B2. Supporting partners: World Vision 107 12373 4 Yes 107 Sysmiss 12373 L1B2. Supporting partners: Other 128 12352 5 Yes 128 Sysmiss 12352 L1B2. Supporting partners: None of the above 57 12423 6 Yes 57 Sysmiss 12423 L1C. How often does the group meet with the facilitator 802 11678 1 Weekly 69 2 Bi_weekly 52 3 Monthly 133 4 Quarterly 128 5 Sometimes 290 6 Never visited by trainer 129 7 Other (specify) 1 Sysmiss 11678 LID. How often do you contribute money to your group? 7577 4903 1 Daily 76 2 Weekly 4263 3 Monthly 3152 4 Seasonally 37 5 Yearly 28 6 Less often 21 Sysmiss 4903 LI1F. How do you mainly repay or make contributions towards your group? 7577 4903 1 Cash 7489 2 Electronic transfer bank or Mobile money etc. 83 3 In kind (specify) 5 Sysmiss 4903 L2. Services provided by main savings group - Lend money out to members when the 7577 4903 1 Yes 7255 2 No 321 3 Don't know 1 Sysmiss 4903 L2. Services provided by main savings group - Lend out money to non-members when 7577 4903 1 Yes 690 2 No 6848 3 Don't know 39 Sysmiss 4903 L2. Services provided by main savings group - Give collected money to one member 7577 4903 1 Yes 2578 2 No 4991 3 Don't know 8 Sysmiss 4903 L2. Services provided by main savings group - Keep the collected money for membe 7577 4903 1 Yes 3144 2 No 4423 3 Don't know 10 Sysmiss 4903 L2. Services provided by main savings group - Keep the collected money for membe 7577 4903 1 Yes 6426 2 No 1138 3 Don't know 13 Sysmiss 4903 L2. Services provided by main savings group - Buy assets as a group 7577 4903 1 Yes 3229 2 No 4205 3 Don't know 143 Sysmiss 4903 L2. Services provided by main savings group - Buy assets for individual members 7577 4903 1 Yes 604 2 No 6949 3 Don't know 24 Sysmiss 4903 L2. Services provided by main savings group - Raise or save money for funerals f 7577 4903 1 Yes 2973 2 No 4575 3 Don't know 29 Sysmiss 4903 L2. Services provided by main savings group - Raise or save money for other emer 7577 4903 1 Yes 2166 2 No 5381 3 Don't know 30 Sysmiss 4903 L2. Services provided by main savings group - Act as guarantor when members want 7577 4903 1 Yes 3021 2 No 4499 3 Don't know 57 Sysmiss 4903 L2. Services provided by main savings group - Assist with funeral cost 7577 4903 1 Yes 3791 2 No 3751 3 Don't know 35 Sysmiss 4903 L2. Services provided by main savings group - Put the collected funds into a fin 7577 4903 1 Yes 5184 2 No 2335 3 Don't know 58 Sysmiss 4903 L3A. Main reason for belonging to a group/club 7577 4903 1 Inherited the position from parents 24 2 It is compulsory for people in tribe or village 42 3 To socialise or meet friends 174 4 They give financial advice 949 5 Can turn to them when in financial need 1814 6 Can get money easily when needed 1166 7 I trust and know them 373 8 To borrow money 1263 9 To save money 1754 10 Other (specify) 18 Sysmiss 4903 L3b. Groups statement - There's more discipline in saving with a group than any 7577 4903 1 Agree 6980 2 Disagree 545 3 Don't know 52 Sysmiss 4903 L3b. Groups statement - I trust how it works and it is easy to get loan 7577 4903 1 Agree 7107 2 Disagree 430 3 Don't know 40 Sysmiss 4903 L3b. Groups statement - More discipline in a group for quick repayment of borrow 7577 4903 1 Agree 6553 2 Disagree 934 3 Don't know 90 Sysmiss 4903 LI3. Impact: Does the group you belong to help you manage your money better 7577 4903 1 Yes 7239 2 No 320 3 Don't know 18 Sysmiss 4903 L4B. Why do you not belong to savings groups - Do not trust them 883 11597 1 Yes 883 Sysmiss 11597 L4B. Why do you not belong to savings groups - They are too expensive 423 12057 2 Yes 423 Sysmiss 12057 L4B. Why do you not belong to savings groups - Do not get regular income 1319 11161 3 Yes 1319 Sysmiss 11161 L4B. Why do you not belong to savings groups - Do not have money to save 2310 10170 4 Yes 2310 Sysmiss 10170 L4B. Why do you not belong to savings groups - Do not want to borrow 219 12261 5 Yes 219 Sysmiss 12261 L4B. Why do you not belong to savings groups - Have lose money with them before 380 12100 6 Yes 380 Sysmiss 12100 L4B. Why do you not belong to savings groups - Other 437 12043 7 Yes 437 Sysmiss 12043 M1. Statements best describing households situation on farming 12480 0 1 Your household is only involved in farming and no-one in the 7112 2 Your household is involved in farming AND other work 2844 3 Your household is NOT involved in farming at all 2524 M2. Household farming activities - Cattle 3955 8525 1 Yes 3955 Sysmiss 8525 M2. Household farming activities - Goats, sheep, pigs, etc. 4246 8234 2 Yes 4246 Sysmiss 8234 M2. Household farming activities - Other livestock 1926 10554 3 Yes 1926 Sysmiss 10554 M2. Household farming activities - Cash crops 689 11791 4 Yes 689 Sysmiss 11791 M2. Household farming activities - Fruit 2166 10314 5 Yes 2166 Sysmiss 10314 M2. Household farming activities - Vegetables 3121 9359 6 Yes 3121 Sysmiss 9359 M2. Household farming activities - Staples 7452 5028 7 Yes 7452 Sysmiss 5028 M2. Household farming activities - Roots 8455 4025 8 Yes 8455 Sysmiss 4025 M2. Household farming activities - Beans, peas, ground nuts 9070 3410 9 Yes 9070 Sysmiss 3410 M2. Household farming activities - Banana 3186 9294 10 Yes 3186 Sysmiss 9294 M2. Household farming activities - Macademia, Fresh beans 411 12069 11 Yes 411 Sysmiss 12069 M2. Household farming activities - Other 70 12410 12 Yes 70 Sysmiss 12410 MF1. How much of your household’s eating needs come from the food that you grow? 9956 2524 1 All / Most of it 5065 2 Some of it 4709 3 None of it 163 4 Do not know 19 Sysmiss 2524 M5. Source of money to finance farming activities 9956 2524 1 Do not have to buy because manage with what have already (ke 2791 2 Use money from other sources of income 1320 3 Use savings 2159 4 Sell crops/livestock/other produce to get money 2102 5 Get money in advance from buyer to whom we sell crop/livesto 165 6 Get from a supplier or distributor and pay later 290 7 Loan from a bank 5 8 Loan from an Umurenge SACCO 19 9 Loan from a non-Umurenge SACCO or an MFI 2 10 Non-Deposit Taking Lending Financial (NDFI) 4 11 Loan from a farmers? association 83 12 Borrow from a community/savings group where we save and lend 212 13 Borrow from a money lender in the community 12 14 Borrow from friends and/or family 100 15 Do not buy inputs - get inputs in exchange for goods or labo 234 16 Other (Specify)............................................. 458 17 Don?t know 0 Sysmiss 2524 MF2. Have you used any of your assets or land to secure a loan for yourself or f 37 12443 1 Yes 18 2 No 19 3 Don't know 0 Sysmiss 12443 M4. Does this household farm mostly for consumption or selling? 9956 2524 1 Consumption 8915 2 Selling 992 3 Don't know 49 Sysmiss 2524 MF3. Considered turning your farming activities into a small business 8919 3561 1 Yes 602 2 No 8282 3 Don't know 35 Sysmiss 3561 MF4. Reason for not turning farming activities into business - Don't have enough 47 12433 1 Yes 47 Sysmiss 12433 MF4. Reason for not turning farming activities into business - Land issues 214 12266 1 Yes 0 2 214 Sysmiss 12266 MF4. Reason for not turning farming activities into business - Do not have colla 75 12405 3 Yes 75 Sysmiss 12405 MF4. Reason for not turning farming activities into business - The market is too 69 12411 4 Yes 69 Sysmiss 12411 MF4. Reason for not turning farming activities into business - Transport issues 35 12445 5 Yes 35 Sysmiss 12445 MF4. Reason for not turning farming activities into business - There is no surpl 242 12238 6 Yes 242 Sysmiss 12238 MF4. Reason for not turning farming activities into business - Market price is t 129 12351 7 Yes 129 Sysmiss 12351 MF4. Reason for not turning farming activities into business - Other 66 12414 8 Yes 66 Sysmiss 12414 MF5. Main challenges you face when selling your product or services 994 11486 1 Distance to the market 162 2 Transportation (access, cost, reliability, damaging goods) 43 3 Lack of storage 17 4 Problems with buyers of products (price, payment) 112 5 Goods/products get damaged in transit 36 6 Low / fluctuating market prices 452 7 Lack of refrigeration facilities 7 8 No loan facilities nearby 5 9 Process of getting the loan is long 12 10 The timing of when the money is paid does not suit me 18 11 Other (SPECIFY)............................................. 50 12 Do not know/ no answer 80 Sysmiss 11486 N2A. Source of income - Salary or wages from Government institution 845 11635 1 Yes 845 Sysmiss 11635 N2A. Source of income - Salary or wages from a private business or company 561 11919 2 Yes 561 Sysmiss 11919 N2A. Source of income - Salary or wages from a farmer 1513 10967 3 Yes 1513 Sysmiss 10967 N2A. Source of income - Salary or wages from an individual 545 11935 4 Yes 545 Sysmiss 11935 N2A. Source of income - Self_employed 1570 10910 5 Yes 1570 Sysmiss 10910 N2A. Source of income - Money from farming 5170 7310 6 Yes 5170 Sysmiss 7310 N2A. Source of income - Fishing 7 12473 7 Yes 7 Sysmiss 12473 N2A. Source of income - Rental income 217 12263 8 Yes 217 Sysmiss 12263 N2A. Source of income - Private pension 67 12413 9 Yes 67 Sysmiss 12413 N2A. Source of income - Government pension 55 12425 10 Yes 55 Sysmiss 12425 N2A. Source of income - Government or state grant or VUP grant or VUP cash trans 378 12102 11 Yes 378 Sysmiss 12102 N2A. Source of income - Gift 17 12463 12 Yes 17 Sysmiss 12463 N2A. Source of income - Remittances 380 12100 13 Yes 380 Sysmiss 12100 N2A. Source of income - Get money from household member 510 11970 14 Yes 510 Sysmiss 11970 N2A. Source of income - Household member pays my expenses 204 12276 15 Yes 204 Sysmiss 12276 N2A. Source of income - Piece work 4198 8282 16 Yes 4198 Sysmiss 8282 N2A. Source of income - VUP public works 137 12343 17 Yes 137 Sysmiss 12343 N2A. Source of income - Make goods to sell 136 12344 18 Yes 136 Sysmiss 12344 N2A. Source of income - Sell something I grow 1473 11007 19 Yes 1473 Sysmiss 11007 N2A. Source of income - Sell something I collect from nature 64 12416 20 Yes 64 Sysmiss 12416 12480 0 1 6913 2 5567 NI2B. Main source of income 12480 0 1 Salary/wages from Government institution 720 2 Salary/wages from a private business/company 436 3 Salary/wages from a farmer 1205 4 Salary/wages from an individual 418 5 Self-employed (have own business) 1214 6 Money from farming (crops and/or livestock; by-products from 3403 7 Money from fishing 5 8 Rental income 135 9 Private pension 25 10 Government pension 32 11 Government/state grant/VUP grant/ VUP cash transfer 289 12 Gift 12 13 Remittances (money from friends/family) 198 14 Get money from household member 305 15 Household member pays my expenses (skip to N2f) 119 16 Piece work 3007 17 VUP public works 86 18 Make goods to sell 81 19 Sell something I grow 774 20 Sell something I collect from nature (thatch/wood/charcoal) 16 N2B. How do you MOSTLY receive the money you get from 12480 0 1 Daily 1471 2 Weekly 1040 3 Fortnightly 279 4 Monthly 2540 5 Annually 3850 6 Seasonally 262 7 Occasionally 1950 8 When work is completed 1035 9 Other 53 N2C. How do you receive the money you get from 12480 0 1 Cash in hand 10717 2 Cheque 19 3 Into bank account 1564 4 Western Union 8 5 Mobile Money 135 6 Other 37 NI1. Personal working status 12480 0 1 Work full-time or 30 hours a week or more for yourself or in 2910 2 Work full-time or 30 hours a week or more for a company or i 2285 3 Work part-time or less than 30 hours a week for yourself or 2097 4 Work part-time or less than 30 hours a week for a company or 1331 5 Work part-time or less than 8 hours a week for a company or 1045 6 Student or learner (in full-time education) 243 7 Housewife or house husband 394 8 Pensioner or retired 119 9 Long term illness / disabled 110 10 Unemployed and looking for first job 133 11 Unemployed, was employed and looking for job 197 12 Unemployed and not looking for a job 1000 13 Other 616 NI2. How long you have been unemployed? 1330 11150 1 Less than 1 year 149 2 1 year to 2 years 214 3 More than 2 years but less than 5 years 179 4 More than 5 years 483 5 Don't know 305 Sysmiss 11150 NI3. Main perceived reason for not being employed 1330 11150 1 Poor perfoming economy 103 2 Lack of skills or experience 171 3 Level of my education 739 4 Other, specify 317 Sysmiss 11150 NI4. Which of the following statements are true to you - Participating in commun 12480 0 1 True 1171 2 False 11309 NI4. Which of the following statements are true to you - Had an internship or ha 12480 0 1 True 682 2 False 11798 NI4. Which of the following statements are true to you - Tried to start own busi 12480 0 1 True 2331 2 False 10149 NI4. Which of the following statements are true to you - Currently doing any cou 12480 0 1 True 2753 2 False 9727 NI4. Which of the following statements are true to you - Belong to a political p 12480 0 1 True 8350 2 False 4130 NI4. Which of the following statements are true to you - Having skills necessary 12480 0 1 True 2772 2 False 9708 NI5. Have difficulty in any of the following areas- Visual Impairment or Seeing 12480 0 1 Yes 534 2 No 11946 NI5. Have difficulty in any of the following areas- Hearing Impairment 12480 0 1 Yes 241 2 No 12239 NI5. Have difficulty in any of the following areas- Communication 12480 0 1 Yes 616 2 No 11864 NI5. Have difficulty in any of the following areas- Movement activity 12480 0 1 Yes 824 2 No 11656 NI5. Have difficulty in any of the following areas- Moving around 12480 0 1 Yes 877 2 No 11603 NI5. Have difficulty in any of the following areas- Daily life activities 12480 0 1 Yes 807 2 No 11673 NI5. Have difficulty in any of the following areas- Intellectual disability or d 12480 0 1 Yes 228 2 No 12252 NI5. Have difficulty in any of the following areas- Learning difficulties 12480 0 1 Yes 161 2 No 12319 NI5. Have difficulty in any of the following areas- Mental illness or emotional 12480 0 1 Yes 186 2 No 12294 NI5. Have difficulty in any of the following areas- Other 12480 0 1 Yes 210 2 No 12270 N2G. Business sector - Agriculture, forestry and fishing 513 11967 1 Yes 513 Sysmiss 11967 N2G. Business sector - Mining and quarrying 13 12467 2 Yes 13 Sysmiss 12467 N2G. Business sector - Manufacturing 14 12466 3 Yes 14 Sysmiss 12466 N2G. Business sector - Electricity, gas, steam and air conditioning supply 16 12464 4 Yes 16 Sysmiss 12464 N2G. Business sector - Water supply; sewerage, waste management and remediation 21 12459 5 Yes 21 Sysmiss 12459 N2G. Business sector - Construction 30 12450 6 Yes 30 Sysmiss 12450 N2G. Business sector - Wholesale and retail trade; repair of motor vehicles and 671 11809 7 Yes 671 Sysmiss 11809 N2G. Business sector - Transportation and storage 31 12449 8 Yes 31 Sysmiss 12449 N2G. Business sector - Accommodation and food service activities 26 12454 9 Yes 26 Sysmiss 12454 N2G. Business sector - Information and communication 0 12480 10 Yes 0 Sysmiss 12480 N2G. Business sector - Financial and insurance activities 3 12477 11 Yes 3 Sysmiss 12477 N2G. Business sector - Financial and insurance activities 8 12472 12 Yes 8 Sysmiss 12472 N2G. Business sector - Professional, scientific and technical activities 7 12473 13 Yes 7 Sysmiss 12473 N2G. Business sector - Administrative and support service activities 11 12469 14 Yes 11 Sysmiss 12469 N2G. Business sector - Education 17 12463 15 Yes 17 Sysmiss 12463 N2G. Business sector - Human health and social work activities 23 12457 16 Yes 23 Sysmiss 12457 N2G. Business sector - Arts, entertainment and recreation 64 12416 17 Yes 64 Sysmiss 12416 N2G. Business sector - Other service activities 445 12035 18 Yes 445 Sysmiss 12035 N2H. Number of people employed in your business 1570 10910 0 1070 1 190 2 139 3 65 4 33 5 31 6 12 7 4 8 5 9 1 10 6 12 1 14 1 15 4 20 5 30 1 100 1 203 1 Sysmiss 10910 NI6. Is the business that you own registered or has a license 1570 10910 1 Registered business e.g. private company, sole proprietor, 58 2 Licensed e.g. trading license, permit etc. 144 3 Both licensed and registered 731 4 Not licensed or registered 637 Sysmiss 10910 NI7. Do you sell your products as they are, or you process and add value to your 538 11942 1 Yes, add value to produce 39 2 Yes, process produce 34 3 Sell produce without adding value 433 4 Do Not Know 32 Sysmiss 11942 N4. Income - Would it be easier for you to give me an estimate of this for a mon 12480 0 1 Month 6892 2 Year 2853 3 Don't know the amount for either 1588 4 Refused 212 5 I don't get money monthly/annually 935 N4A. Income - Monthly personal income 6892 5588 1 1,500 Rwf or less 139 2 1,501 - 3,000 Rwf 328 3 3,001 - 5,000 Rwf 524 4 5,001 - 7,000 Rwf 451 5 7,001 - 10,000 Rwf 703 6 10,001 - 15,000 Rwf 679 7 15,001 - 20,000 Rwf 583 8 20,001 - 25,000 Rwf 333 9 25,001 - 30,000 Rwf 408 10 30,001 - 40,000 Rwf 340 11 40,001 - 50,000 Rwf 465 12 50,001 - 100,000 Rwf 666 13 More than 100,000 Rwf 1177 14 Irregular/seasonal income 96 Sysmiss 5588 Mid-point PMI 9745 2735 1000 91 1500 235 3000 328 5500 524 8500 451 13250 43 16400 23 17000 703 18600 118 22500 186 25000 679 33300 185 35000 583 44100 340 45000 333 55000 408 56600 640 70000 340 83200 272 90000 465 112500 352 150000 666 166600 173 229800 430 250000 1177 Sysmiss 2735 N4B. Income - Annual personal income 2853 9627 1 12,000 Rwf or less 91 2 12,001 - 15,000 Rwf 43 3 23 4 118 5 20,001 - 30,000 Rwf 186 6 185 7 340 8 304 9 80,001 - 100,000 Rwf 336 10 100,001 - 150,000 Rwf 272 11 150,001 - 200,000 Rwf 215 12 200,001 - 250,000 Rwf 137 13 250,001 - 300,000 Rwf 173 14 More than 300,000 Rwf 430 Sysmiss 9627 N5. Coping strategy for big events - Wedding 12480 0 1 Using savings that I put aside for this purpose 1798 2 General savings 1717 3 Rely of family & friends to help cover costs 3402 4 Rely on community to help cover costs 235 5 Sell something to cover the cost; 630 6 Have a policy that will cover it; 4 7 Borrow from bank; 27 8 Borrow from a SACCO/MFI 64 9 Borrow from money lender in community 18 10 Borrow from family/friend 205 11 Other 243 12 Don't know/Haven't thought about it 4137 N5. Coping strategy for big events - Funeral 12480 0 1 Using savings that I put aside for this purpose 1049 2 General savings 1673 3 Rely of family & friends to help cover costs 5200 4 Rely on community to help cover costs 895 5 Sell something to cover the cost; 674 6 Have a policy that will cover it; 231 7 Borrow from bank; 8 8 Borrow from a SACCO/MFI 35 9 Borrow from money lender in community 28 10 Borrow from family/friend 378 11 Other 240 12 Don't know/Haven't thought about it 2069 N5. Coping strategy for big events - Medical emergency 12480 0 1 Using savings that I put aside for this purpose 1765 2 General savings 3110 3 Rely of family & friends to help cover costs 638 4 Rely on community to help cover costs 79 5 Sell something to cover the cost; 643 6 Have a policy that will cover it; 4358 7 Borrow from bank; 7 8 Borrow from a SACCO/MFI 21 9 Borrow from money lender in community 61 10 Borrow from family/friend 709 11 Other 339 12 Don't know/Haven't thought about it 750 N5. Coping strategy for big events - Children’s education 12480 0 1 Using savings that I put aside for this purpose 2325 2 General savings 3759 3 Rely of family & friends to help cover costs 384 4 Rely on community to help cover costs 42 5 Sell something to cover the cost; 852 6 Have a policy that will cover it; 87 7 Borrow from bank; 29 8 Borrow from a SACCO/MFI 51 9 Borrow from money lender in community 37 10 Borrow from family/friend 271 11 Other 973 12 Don't know/Haven't thought about it 3670 P1. Allocation of money spent - Food and drink and other groceries 12480 0 0 225 1 163 2 550 3 682 4 812 5 1623 6 841 7 756 8 878 9 596 10 1475 11 406 12 634 13 448 14 381 15 903 16 318 17 176 18 225 19 60 20 60 21 268 P1. Allocation of money spent - Water or Electricity, paraffin, gas and other fu 12480 0 0 4532 1 2576 2 3260 3 1341 4 285 5 389 6 50 7 16 8 12 9 3 10 14 11 1 13 1 P1. Allocation of money spent - Education 12480 0 0 5983 1 1240 2 2095 3 1302 4 455 5 709 6 178 7 115 8 120 9 39 10 163 11 24 12 11 13 9 14 6 15 21 16 2 17 2 18 1 19 1 20 1 21 3 P1. Allocation of money spent - Transport expenses 12480 0 0 6590 1 2634 2 2156 3 684 4 156 5 173 6 39 7 9 8 9 9 6 10 16 11 1 12 2 13 1 15 3 20 1 P1. Allocation of money spent - Bond or home loan, credit card, car financing 12480 0 0 12328 1 89 2 38 3 12 4 4 5 4 6 2 7 1 9 1 10 1 P1. Allocation of money spent - Communication 12480 0 0 5306 1 3985 2 2283 3 664 4 100 5 111 6 11 7 3 8 5 9 1 10 6 11 1 15 2 21 2 P1. Allocation of money spent - Medical, health expenses 12480 0 0 4205 1 2832 2 2949 3 1333 4 401 5 466 6 105 7 46 8 47 9 16 10 62 11 6 13 2 14 3 15 4 16 2 18 1 P1. Allocation of money spent - Rental payments and rates, levies 12480 0 0 11084 1 404 2 416 3 245 4 97 5 107 6 33 7 28 8 26 9 4 10 27 11 4 12 3 13 1 15 1 P1. Allocation of money spent - Other debt repayments 12480 0 0 8316 1 1629 2 1315 3 594 4 199 5 223 6 77 7 26 8 33 9 13 10 32 11 10 12 3 13 4 14 1 15 1 21 4 P1. Allocation of money spent - Savings, investments and retirement 12480 0 0 5630 1 2427 2 2334 3 1030 4 372 5 409 6 88 7 36 8 34 9 7 10 84 11 11 12 6 13 1 14 3 15 5 16 2 21 1 P1. Allocation of money spent - Insurance and Funeral premium payments 12480 0 0 10331 1 1254 2 613 3 195 4 38 5 35 6 10 7 2 16 1 21 1 P1. Allocation of money spent - Household furnishings, equipment and routine hou 12480 0 0 6344 1 3063 2 1892 3 756 4 199 5 143 6 59 7 7 8 5 9 1 10 3 11 4 12 1 15 1 17 1 19 1 P1. Allocation of money spent - Personal spending 12480 0 0 5390 1 3659 2 1932 3 816 4 267 5 181 6 70 7 33 8 26 9 11 10 22 11 15 12 2 13 4 14 6 15 6 16 6 17 3 18 7 19 3 21 21 P1. Allocation of money spent - Leisure, entertainment 12480 0 0 11430 1 807 2 196 3 26 4 8 5 7 6 1 7 1 8 1 9 1 10 1 11 1 P1. Allocation of money spent - Farming inputs 12480 0 0 7741 1 2066 2 1196 3 651 4 277 5 244 6 111 7 54 8 45 9 35 10 21 11 19 12 4 13 4 14 3 15 5 17 2 19 1 21 1 P1. Allocation of money spent - Business inputs e.g. stock, macninery or equipme 12480 0 0 11325 1 610 2 316 3 119 4 52 5 38 6 10 7 4 10 4 11 1 15 1 P2. How do you normally pay for Food and drink and other groceries 12255 225 1 Cash 12225 2 Bank transfer/online transfer 7 3 Credit card 2 4 Debit card/ATM card 3 5 Mobile money 4 6 On credit / on tab /on book 8 7 Other (Specify) 6 8 Do not know (do not show) 0 Sysmiss 225 P2. How do you normally pay for Water or Electricity, paraffin, gas and other fu 7948 4532 1 Cash 7011 2 Bank transfer/online transfer 296 3 Credit card 2 4 Debit card/ATM card 2 5 Mobile money 631 6 On credit / on tab /on book 0 7 Other (Specify) 3 8 Do not know (do not show) 3 Sysmiss 4532 P2. How do you normally pay for Education 6497 5983 1 Cash 5222 2 Bank transfer/online transfer 1190 3 Credit card 1 4 Debit card/ATM card 40 5 Mobile money 22 6 On credit / on tab /on book 4 7 Other (Specify) 16 8 Do not know (do not show) 2 Sysmiss 5983 P2. How do you normally pay for Transport expenses 5890 6590 1 Cash 5823 2 Bank transfer/online transfer 32 3 Credit card 3 4 Debit card/ATM card 20 5 Mobile money 2 6 On credit / on tab /on book 0 7 Other (Specify) 6 8 Do not know (do not show) 4 Sysmiss 6590 P2. How do you normally pay for Bond or home loan, credit card, car financing 152 12328 1 Cash 127 2 Bank transfer/online transfer 19 3 Credit card 0 4 Debit card/ATM card 4 5 Mobile money 0 6 On credit / on tab /on book 0 7 Other (Specify) 2 8 Do not know (do not show) 0 Sysmiss 12328 P2. How do you normally pay for Communication 7174 5306 1 Cash 6608 2 Bank transfer/online transfer 59 3 Credit card 1 4 Debit card/ATM card 3 5 Mobile money 498 6 On credit / on tab /on book 2 7 Other (Specify) 1 8 Do not know (do not show) 2 Sysmiss 5306 P2. How do you normally pay for Medical, health expenses 8275 4205 1 Cash 8017 2 Bank transfer/online transfer 237 3 Credit card 1 4 Debit card/ATM card 7 5 Mobile money 8 6 On credit / on tab /on book 0 7 Other (Specify) 5 8 Do not know (do not show) 0 Sysmiss 4205 P2. How do you normally pay for Rental payments 1396 11084 1 Cash 1311 2 Bank transfer/online transfer 71 3 Credit card 0 4 Debit card/ATM card 1 5 Mobile money 12 6 On credit / on tab /on book 0 7 Other (Specify) 0 8 Do not know (do not show) 1 Sysmiss 11084 P2. How do you normally pay for Other debt repayments 4164 8316 1 Cash 4106 2 Bank transfer/online transfer 48 3 Credit card 1 4 Debit card/ATM card 1 5 Mobile money 2 6 On credit / on tab /on book 1 7 Other (Specify) 2 8 Do not know (do not show) 3 Sysmiss 8316 P2. How do you normally pay for Savings, investments and retirement 6850 5630 1 Cash 6316 2 Bank transfer/online transfer 396 3 Credit card 5 4 Debit card/ATM card 14 5 Mobile money 82 6 On credit / on tab /on book 2 7 Other (Specify) 33 8 Do not know (do not show) 2 Sysmiss 5630 P2. How do you normally pay for Insurance and Funeral premium payments 2149 10331 1 Cash 2034 2 Bank transfer/online transfer 99 3 Credit card 1 4 Debit card/ATM card 7 5 Mobile money 6 6 On credit / on tab /on book 0 7 Other (Specify) 2 8 Do not know (do not show) 0 Sysmiss 10331 P2. How do you normally pay for Household furnishings 6136 6344 1 Cash 6118 2 Bank transfer/online transfer 8 3 Credit card 0 4 Debit card/ATM card 0 5 Mobile money 3 6 On credit / on tab /on book 0 7 Other (Specify) 5 8 Do not know (do not show) 2 Sysmiss 6344 P2. How do you normally pay for Personal spending 7090 5390 1 Cash 7080 2 Bank transfer/online transfer 3 3 Credit card 0 4 Debit card/ATM card 1 5 Mobile money 3 6 On credit / on tab /on book 0 7 Other (Specify) 3 8 Do not know (do not show) 0 Sysmiss 5390 P2. How do you normally pay for Leisure, entertainment 1050 11430 1 Cash 833 2 Bank transfer/online transfer 66 3 Credit card 0 4 Debit card/ATM card 2 5 Mobile money 149 6 On credit / on tab /on book 0 7 Other (Specify) 0 8 Do not know (do not show) 0 Sysmiss 11430 P2. How do you normally pay for Farming inputs 4739 7741 1 Cash 4712 2 Bank transfer/online transfer 10 3 Credit card 1 4 Debit card/ATM card 0 5 Mobile money 13 6 On credit / on tab /on book 3 7 Other (Specify) 0 8 Do not know (do not show) 0 Sysmiss 7741 P2. How do you normally pay for Business inputs 1155 11325 1 Cash 1138 2 Bank transfer/online transfer 10 3 Credit card 0 4 Debit card/ATM card 0 5 Mobile money 6 6 On credit / on tab /on book 0 7 Other (Specify) 1 8 Do not know (do not show) 0 Sysmiss 11325 Banked adults 4490 7990 1 Banked 4490 Sysmiss 7990 Other Formal (non-bank) 9433 3047 2 Yes 9433 Sysmiss 3047 Informal mechanism 9910 2570 3 Informal 9910 Sysmiss 2570 Financial Access Strand 12480 0 1 Banked 4490 2 Other formal non-bank 5228 3 Informal ONLY 1922 99 Excluded 840 Overlaps 12480 0 1 Banked only 75 2 Bank & other formal (non-bank) 895 3 All mechanism 3310 4 Banked & informal 210 5 Other formal (non-bank) & informal 4468 6 Other formal (non-bank) 760 7 Informal only 1922 99 Excluded 840 Credit - Bank 947 11533 1 Yes 947 99 No 0 Sysmiss 11533 Credit - Other formal non-bank 2137 10343 2 Yes 2137 99 No 0 Sysmiss 10343 Credit - Informal 7746 4734 3 Yes 7746 99 No 0 Sysmiss 4734 Credit - Family/friends 3717 8763 4 Yes 3717 99 No 0 Sysmiss 8763 Credit strand 12480 0 1 Bank 947 2 Other formal (non-bank) 1600 3 Informal 6236 4 borrowing from family and friends 820 99 Not borrowing 2877 Remittances - Bank 255 12225 1 Yes 255 99 No 0 Sysmiss 12225 Remittances - Other formal non-bank 5127 7353 2 Yes 5127 99 No 0 Sysmiss 7353 Remittances - informal 20 12460 3 Yes 20 Sysmiss 12460 Remittances - relatives/friends/personal 305 12175 4 Yes 305 Sysmiss 12175 Remittances strand 12480 0 1 Banking channel 255 2 Other formal (non-bank) 4980 3 Informal 7 4 Relatives/friends 204 99 Not remitting 7034 Savings - Bank 2651 9829 1 Yes 2651 99 No 0 Sysmiss 9829 Savings - Other formal non-bank 5925 6555 2 Yes 5925 99 No 0 Sysmiss 6555 Savings - Informal 8127 4353 3 Yes 8127 99 No 0 Sysmiss 4353 Savings - Home 1492 10988 4 Yes 1492 99 No 0 Sysmiss 10988 Savings - Saving strand 12480 0 1 Bank 2651 2 Other formal (non-bank) 4157 3 Informal 3710 4 Save at home 300 99 Not saving 1662 Insurance strand 12480 0 2 Other formal non-bank 2059 99 Not insured 10421 Microfinace Institutions penetration 1313 11167 1 Yes 1313 Sysmiss 11167 MFI - Credit 516 11964 1 516 Sysmiss 11964 MFI - Savings 883 11597 1 883 Sysmiss 11597 Mobile Money penetration 7535 4945 1 Yes 7535 Sysmiss 4945 Moibile money - Credit 984 11496 1 984 Sysmiss 11496 Moibile money - Savings 2794 9686 1 2794 Sysmiss 9686 Moibile money - Remittances 5942 6538 1 5942 Sysmiss 6538 Mobile money - Usage Strand 7571 4909 1 Broad usage 2782 2 Airtie 0 3 Remmitances only 4789 99 Do not have/use MM 0 Sysmiss 4909 Umurenge SACCO penetration 4577 7903 1 Yes 4577 Sysmiss 7903 Umurenge SACCO - Credit 1046 11434 1 1046 Sysmiss 11434 Umurenge SACCO - Savings 3288 9192 1 3288 Sysmiss 9192 Non-Deposit Taking Lending Financial Institutions 42 12438 1 Yes 42 Sysmiss 12438 Pension Fund administrator 948 11532 1 Yes 948 Sysmiss 11532 Digital payment - Bank 2848 9632 1 Yes 2848 99 No 0 Sysmiss 9632 Digital account strands 12480 0 1 Bank account only 846 2 Both bank and mobile money accounts 3644 3 Mobile money account 3891 99 Excluded 4099 Digital payment - Other formal non-bank 1740 10740 1 Yes 0 2 1740 99 No 0 Sysmiss 10740 FinNeeds - Transfer of value 12480 0 1 Yes 12480 99 No 0 FinNeeds - Transfer of value - Cash 12479 1 1 Yes 12479 99 No 0 Sysmiss 1 FinNeeds - Transfer of value - Digital 3528 8952 1 Yes 3528 99 No 0 Sysmiss 8952 FiNeeds - Meeting goals (indiator) 6682 5798 1 Yes 6682 99 No 0 Sysmiss 5798 FiNeeds - Liquidity 12480 0 1 Severe distress 5677 2 Some distress 5100 4 No distress 1703 FinNeeds - Resilience indicator - Expensive events occurred in p12m 12480 0 0 4862 1 Yes 7618 2 No 0 FiNeeds - Meeting goals (formal) 1303 11177 1 Yes 1303 99 No 0 Sysmiss 11177 FiNeeds - Meeting goals (informal) 3237 9243 1 Yes 3237 99 No 0 Sysmiss 9243 FiNeeds - Meeting goals (soial) 369 12111 1 Yes 369 99 No 0 Sysmiss 12111 Financial Health: Balancing income and expenses 12480 0 1 Income 2759 2 Savings 2835 3 Credit 3253 4 Non-financial 3481 99 Nothing 152 Financial Health: Build mantain reserves 12480 0 0 4436 1 Yes 8044 Financial Health: Manage existing debts - Credit stress/load 9603 2877 1 Credit stress 3173 2 No credit stress 6430 Sysmiss 2877 Financial Health: Plan and prioritize 12480 0 0 5798 1 Yes 6682 99 No 0 Financial Health: Manage and recover from financial shocks - Coping strategies 2014 10466 1 Non financial 830 2 Credit 528 3 Savings 257 4 Claimed from insurance 26 99 Did nothing 373 Sysmiss 10466 Financial Health: Effective range of financial tools - Depht of financial suite (Transaction, Savings, Credit, Insurance) 12480 0 0 840 1 1523 2 3519 3 5099 4 1499 Formal Financial Products usage 7803 4677 1 High 3124 2 Medium 2279 3 Low 1585 4 Dormant 815 Sysmiss 4677 People with disabilities - indicator 1962 10518 1 Yes 1962 99 No 0 Sysmiss 10518 SDG - Below USD poverty line indicator 9745 2735 1 Below poverty line (R1.90 per day) 4149 2 Above poverty line 5596 Sysmiss 2735 Empowerment Ladder 12480 0 1 100 score 7308 2 75 score 2146 3 50 score 1942 4 25 score 877 5 0score 207 Transparency 12480 0 1 Did not experience 3654 2 Experienced non-transparency 8826 Empowerment score 12480 0 1 Empowered 7308 2 Coping 4088 3 Vulnerable 1084 Income Segments 12468 12 1 Formal sector 1181 2 Informal economy 5636 3 Self employed 1214 4 Farmers 3408 5 Government grants/pension 407 6 Money from other people 622 Sysmiss 12