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Innovative Lending Products for Women-Led SMEs 2021
Proof-of-concept Pilot Study Baseline Survey

Nigeria, 2021
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Reference ID
NGA_2021_WEFI-BL_v01_M
Producer(s)
Sreelakshmi Papineni, Tricia Koroknay-Palicz, Siegfried Zottel
Metadata
Documentation in PDF DDI/XML JSON
Study website
Created on
Aug 28, 2024
Last modified
Aug 28, 2024
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6149
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Data file: nigeria_wefi_baseline_pilot_data_no_pii

Baseline Survey Data - Innovative Lending Products for Women-Led SMEs in Nigeria (P168390 WE-Fi) Pilot Study

Cases: 214
Variables: 435

Variables

unique_id
Unique Respondent ID
duration
Duration of Survey
duration_m
Duration of Survey: Minutes
duration_h
Duration of Survey: Hours
submissiondate
Date / time of survey completion
enum_id
Enumerator ID
________SECTION_1________
-------- SECTION 1: CONSENT --------
consent_1_1
Do you agree to take part in this interview?
consent_1_2
Why do you not want to be interviewed at this time?
consent_1_7
What language do you conduct this interview in?
consent_1_7_others
Specify other language
________SECTION_2________
-------- SECTION 2: META INFO --------
meta_1_8
Where does the interview take place?
meta_1_8_others
Specify other location
meta_1_9
Gender of respondent [1=Female; 2=Male]
meta_1_10
Age of respondent
meta_1_10b
Age of respondent - confirm
meta_1_11
Where was the respondent born?
meta_1_12_1
Current residence: state
meta_1_12_2
Current residence: local govt. area
meta_1_12_4
Current residence: urbanization
meta_1_13
What is the respondent's current marital status?
meta_1_14
Who is the head of your Household?
meta_1_15
How many people – including yourself – do you presently consider part of your HH
meta_1_16_1
How many living biological sons do you have?
meta_1_16_2
How many living biological daughters do you have?
meta_1_17_1
Living children: less than 5 years old
meta_1_17_2
Living children: ages 5-18
meta_1_17_3
Living children: above 18 years old
meta_1_18
Can you read and write in any language?
meta_1_19
Can you read and write in english?
meta_1_20
What is the highest level of schooling that you have attended?
meta_1_21_1
What is the highest class / year that you have completed at the [PRE-SCHOOL] lev
meta_1_21_2
What is the highest class / year that you have completed at the [PRIMARY] level?
meta_1_21_3
What is the highest class / year that you have completed at the [SECONDARY] leve
meta_1_21_4
What is the highest class / year that you have completed at the [HIGHER] level?
meta_1_212
What is your main source of income?
meta_1_212_others
Specify other primary income source
meta_1_23
Please estimate your total earnings (including any profits, salary or wages) acr
meta_1_24
Are you the main income earner, or do you contribute significantly to your house
meta_1_25
Please estimate the total income for your entire household combined over the las
meta_1_26
In the past 30 days how easy or difficult has it been to pay your household's us
meta_1_27
Who mainly looks after your children when you are working and they are not in sc
meta_1_28
On a typical day, how many hours do you spend on work for pay, in business, farm
meta_1_29
On a typical day, how many hours do you spend on care activities for family memb
meta_1_30
On a typical day, how many hours does your spouse spend on work for pay, in busi
meta_1_31
On a typical day, how many hours does your spouse spend on care activities for f
meta_1_32
Do you agree or disagree with the following statement? 'If a woman earns more mo
meta_1_33
Out of 10 of your neighbors, how many do you think believe that if a woman earns
meta_1_34
Do you have a business mentor who you discuss business matters with at least onc
meta_1_35
With how many other business owners do you discuss business matters such as pric
________SECTION_3________
-------- SECTION 3: BUSINESS ROSTER (A) --------
a_bus_1_1
For how many years have you been a business owner?
a_bus_1_2
How many businesses do you currently own?
busroster_ct
Business Roster Count
busroster_no_1
Business Roster #1
a_bus_1_4_1
Sector of Business #1
a_bus_1_4_2_1_1
Sub-sector of Business #1
a_bus_1_4_2_1_others1_1
Please Specify the Other - C to E
a_bus_1_4_2_1_others2_1
Please Specify the Other - G
a_bus_1_4_2_1_others3_1
Please Specify the Other - H
a_bus_1_4_2_1_others4_1
Please Specify the Other - I
a_bus_1_4_2_1_others5_1
Please Specify the Other - J
a_bus_1_4_2_1_others6_1
Please Specify the Other - K to S
a_bus_1_4b_1
Description of Business #1
a_bus_1_5_1_1
Is business #1 formally registered?
a_bus_1_6_1_1
Which of the following forms of business registration does your business have?
a_bus_1_7_1_1
What percentage of this business is owned by you?
a_bus_1_8_1_1
What are business #1's average monthly profits?
a_bus_1_10_1_1
How many people are employed by business #1 currently (not including yourself)?
a_bus_1_11_1_1
How many people were employed by business #1 1 year ago, in 2020 (not including
a_bus_1_12_1_1
How many people were employed by business #1 2 years ago, in 2019 (not including
busroster_no_2
Business Roster #2
a_bus_1_4_2
Sector of Business #2
a_bus_1_4_2_1_2
Sub-sector of Business #2
a_bus_1_4_2_1_others1_2
Please Specify the Other - C to E
a_bus_1_4_2_1_others2_2
Please Specify the Other - G
a_bus_1_4_2_1_others3_2
Please Specify the Other - H
a_bus_1_4_2_1_others4_2
Please Specify the Other - I
a_bus_1_4_2_1_others5_2
Please Specify the Other - J
a_bus_1_4_2_1_others6_2
Please Specify the Other - K to S
a_bus_1_4b_2
Description of Business #2
a_bus_1_5_1_2
Is business #2 formally registered?
a_bus_1_6_1_2
Which of the following forms of business registration does your business have?
a_bus_1_7_1_2
What percentage of this business is owned by you?
a_bus_1_8_1_2
What are business #2's average monthly profits?
a_bus_1_10_1_2
How many people are employed by business #2 currently (not including yourself)?
a_bus_1_11_1_2
How many people were employed by business #2 1 year ago, in 2020 (not including
a_bus_1_12_1_2
How many people were employed by business #2 2 years ago, in 2019 (not including
busroster_no_3
Business Roster #3
a_bus_1_4_3
Sector of Business #3
a_bus_1_4_2_1_3
Sub-sector of Business #3
a_bus_1_4_2_1_others1_3
Please Specify the Other - C to E
a_bus_1_4_2_1_others2_3
Please Specify the Other - G
a_bus_1_4_2_1_others3_3
Please Specify the Other - H
a_bus_1_4_2_1_others4_3
Please Specify the Other - I
a_bus_1_4_2_1_others5_3
Please Specify the Other - J
a_bus_1_4_2_1_others6_3
Please Specify the Other - K to S
a_bus_1_4b_3
Description of Business #3
a_bus_1_5_1_3
Is business #3 formally registered?
a_bus_1_6_1_3
Which of the following forms of business registration does your business have?
a_bus_1_7_1_3
What percentage of this business is owned by you?
a_bus_1_8_1_3
What are business #3's average monthly profits?
a_bus_1_10_1_3
How many people are employed by business #3 currently (not including yourself)?
a_bus_1_11_1_3
How many people were employed by business #3 1 year ago, in 2020 (not including
a_bus_1_12_1_3
How many people were employed by business #3 2 years ago, in 2019 (not including
busroster_no_4
Business Roster #4
a_bus_1_4_4
Sector of Business #4
a_bus_1_4_2_1_4
Sub-sector of Business #4
a_bus_1_4_2_1_others1_4
Please Specify the Other - C to E
a_bus_1_4_2_1_others2_4
Please Specify the Other - G
a_bus_1_4_2_1_others3_4
Please Specify the Other - H
a_bus_1_4_2_1_others4_4
Please Specify the Other - I
a_bus_1_4_2_1_others5_4
Please Specify the Other - J
a_bus_1_4_2_1_others6_4
Please Specify the Other - K to S
a_bus_1_4b_4
Description of Business #4
a_bus_1_5_1_4
Is business #4 formally registered?
a_bus_1_6_1_4
Which of the following forms of business registration does your business have?
a_bus_1_7_1_4
What percentage of this business is owned by you?
a_bus_1_8_1_4
What are business #4's average monthly profits?
a_bus_1_10_1_4
How many people are employed by business #4 currently (not including yourself)?
a_bus_1_11_1_4
How many people were employed by business #4 1 year ago, in 2020 (not including
a_bus_1_12_1_4
How many people were employed by business #4 2 years ago, in 2019 (not including
a_bus_1_13
For which of these businesses do you plan to use the Access Bank cash flow loan?
a_bus_1_14
Which of these businesses did you use to apply for the Access Bank cash flow loa
a_bus_1_15
Which of these businesses do you consider your main business?
________SECTION_4________
-------- SECTION 4: BUSINESS INFO (B) --------
b_bus_1_1_1
Business location: State
b_bus_1_1_2
Business location: Local Government Area
b_bus_1_1_4
Business location: Urbanization
b_bus_1_2
Where is this business located?
b_bus_1_2_others
Specify other location
b_bus_1_3
In what year did this business begin operations?
b_bus_1_4
Who started this business?
b_bus_1_5
All in all, would you say you started this business because you saw an opportuni
b_bus_1_6
In what year was this business formally registered?
b_bus_1_7a
Who owns this business?
b_bus_1_7b_1
Gender business owner: Self
b_bus_1_7b_2
Gender business owner: Spouse
b_bus_1_7b_3
Gender business owner: Own relative
b_bus_1_7b_4
Gender business owner: Spouse's relative
b_bus_1_7b_5
Gender business owner: Non-relative
b_bus_1_7c
What percentage of this business is owned by female business owners?
b_bus_1_8
Are you currently the business owner, the business manager or both?
b_bus_1_9
How did you become the owner of the business?
b_bus_1_9_others
Please specify other
b_bus_1_10
What was the primary reason that you started or joined this business?
b_bus_1_10_others
Specify other reason
b_bus_1_11
What type of business is it?
b_bus_1_11_others
Specify other type
b_bus_1_12
Please confirm if this is the business sector that your business operates?
b_bus_1_13
In this business sector, are most of the businesses owned by men or women?
b_bus_1_14
Who must approve major decisions for the business with regard to budget, large p
b_bus_1_14_others
Specify other
b_bus_1_15
EMPLOYMENT: Confirm - How many people work in this business, yourself not includ
b_bus_1_16
How many of these are permanent full-time workers?
b_bus_1_17
How many of these are part-time, seasonal or temporary workers?
b_bus_1_19
How many of this businesses employees are female?
b_bus_1_20
In a typical week, how many days is this business open for customers?
b_bus_1_21
How many hours per day is this business typically open for customers?
b_bus_1_22
How many hours do you personally work for your business in a typical week?
b_bus_1_23
How does this business determine the price of products / services?
b_bus_1_23_others
Specify other
b_bus_1_24
Has this business introduced new products or services in the last 6 months?
b_bus_1_25
Does this business have a written business plan?
b_bus_1_26
Does this business have a written annual budget?
b_bus_1_26_others
Specify other
b_bus_1_27
Does this business keep financial records or accounts?
b_bus_1_28
Over the LAST 3 MONTHS, what were this business' AVERAGE MONTHLY SALES (revenues
b_bus_1_29
Over the LAST 3 MONTHS, what were this business' AVERAGE MONTHLY PROFITS?
b_bus_1_30
During the YEAR 2020, what were this businesses' TOTAL ANNUAL SALES (revenues) f
b_bus_1_31
During the YEAR 2020, what was the TOTAL PROFIT this business'earned?
b_bus_1_32
During the YEAR 2019, what were this businesses' TOTAL ANNUAL SALES (revenues) f
b_bus_1_34
What were the business' TOTAL SALES in the LAST 30 DAYS?
b_bus_1_35
Do sales show a seasonal pattern?
b_bus_1_36
In the past 30 days, what percentage of your business sales were made digitally?
b_bus_1_36a
Do you use any equipment or machinery in your business?
b_bus_1_37
What is the replacement value of all your owned equipment and machinery?
b_bus_1_38
Do you currently rent equipment and machinery?
b_bus_1_39
What is the replacement value of all your rented equipment and machinery?
b_bus_1_39a
Does your business have any inventory stocks?
b_bus_1_40
What is the value of final goods for sale that you have currently in stock?
b_bus_1_40a
Does your business use any raw materials?
b_bus_1_41
What is the value of your current additional stocks?
b_bus_1_42_1
How much did you spend on --- Salaries of employees
b_bus_1_42_2
How much did you spend on --- Maintenance and repairs
b_bus_1_42_3
How much did you spend on --- Transport allowances for employees
b_bus_1_42_4
How much did you spend on --- Rent for machinery and equipment
b_bus_1_42_5
How much did you spend on --- Food/in-kind payments to employees
b_bus_1_42_6
How much did you spend on --- Rent for land and space
b_bus_1_42_7
How much did you spend on --- Raw materials
b_bus_1_42_8
How much did you spend on --- Products for resell
b_bus_1_42_9
How much did you spend on --- Marketing and promotion
b_bus_1_42_10
How much did you spend on --- Electricity
b_bus_1_42_11
How much did you spend on --- Telephone or cell phone charges
b_bus_1_42_12
How much did you spend on --- Water
b_bus_1_42_13
How much did you spend on --- Interest payments
b_bus_1_42_14
How much did you spend on --- Gas and fuel
b_bus_1_42_15
How much did you spend on --- Other costs
b_bus_1_43
What were this business' TOTAL COSTS in the LAST 30 DAYS?
b_bus_1_44
When this business first started, where did most of the start-up capital for thi
b_bus_1_44_others
Please specify other
b_bus_1_45
How much was the starting capital for the business?
b_bus_1_46
Approximately how many clients or customers does this business have on a typical
b_bus_1_47
Approximately how many clients or customers did this business have on a typical
b_bus_1_48
Approximately how many clients or customers did this business have on a typical
b_bus_1_49
In the last six months, which ways/ sources has this business used to advertise
b_bus_1_49_others
Please specify other
b_bus_1_50
What is the most important way this business differentiates its products or serv
b_bus_1_50_others
Please specify other
b_bus_1_51_1
How many times have you… visited one of your competitors in order to learn about
b_bus_1_51_2
How many times have you… asked your clients if there are products or services th
b_bus_1_51_3
How many times have you… compared the prices or quality of your supplier's produ
b_bus_1_51_4
How many times have you… looked for new markets?. Is it;
b_bus_1_51_5
How many times have you… analyzed if the sales of your most important product/se
b_bus_1_51_6
How many times have you… looked for ways to improve your marketing and advertisi
b_bus_1_51_7
How many times have you… looked for additional financial resources for your busi
b_bus_1_51_8
How many times have you… discussed with other entrepreneurs in your sector about
b_bus_1_51_9
How many times have you… attempted to negotiate with a supplier for a lower pric
b_bus_1_51_10
How many times have you… compared the prices or quality offered by alternate sup
b_bus_1_51_11
How many times have you… visited one of your competitor's businesses to see what
b_bus_1_51_12
How many times have you… asked a supplier about which products are selling well
b_bus_1_51_13
How many times have you… advertised in any form . Is it;
b_bus_1_52_1
In the past 30 days, what percentage of this business' sales were domestic?
b_bus_1_52_2
In the past 30 days, what percentage of this business' sales were export?
b_bus_1_53
53. I would like to ask you some questions with regard to the future of [${BusL
b_bus_1_53b_1
What is the top / first product or service you produce or sell?
b_bus_1_53b_2
What is the top / second product or service you produce or sell?
b_bus_1_53b_3
What is the top / third product or service you produce or sell?
b_bus_1_54
In the past 12 months, did this business develop any new products?
b_bus_1_55
In the past 6 months, did this business invest in machinery or production method
b_bus_1_56
In the past 6 months, did this business open a new branch or expand your market
b_bus_1_57
Does your spouse own a business [himself/herself], or is [he/she] self-employed?
b_bus_1_58
Is her/his business or self-employment activity in the same sector as [name of b
b_bus_1_58_1
Please specify the sector of your spouse's self-employment activity
b_bus_1_59
Are you interested in taking any course / seminar / training in business managem
b_bus_1_60
Which of the following digital tools and services do you use for your business?
b_bus_1_60_others
Specify Others
b_bus_1_65_1
Say your business generated a profit of 100,000 Naira. How would you typically s
b_bus_1_65_2
Say your business generated a profit of 100,000 Naira. How would you typically s
b_bus_1_65_3
Say your business generated a profit of 100,000 Naira. How would you typically s
b_bus_1_65_4
Say your business generated a profit of 100,000 Naira. How would you typically s
b_bus_1_65_5
Say your business generated a profit of 100,000 Naira. How would you typically s
________SECTION_5________
-------- SECTION 5: ACCESS TO FINANCE --------
fin_1_1_1
In the past 12 months, have you, by yourself or together with someone else, borr
fin_1_1_2
In the past 12 months, have you, by yourself or together with someone else, borr
fin_1_1_3
In the past 12 months, have you, by yourself or together with someone else, borr
fin_1_2
Have you ever had a loan from a bank or other formal financial institution (e.g.
fin_1_3
Have you ever had a loan from Access Bank?
fin_1_4
At this time, do you have any loans from Access Bank?
fin_1_5
In the past 6 months, how much new money have you borrowed from Access Bank?
fin_1_6
What is the amount currently owed on all of your loans from Access Bank at this
fin_1_7
At this time, does your main business have a line of credit or a loan from a ban
fin_1_8_1
In the past 6 months, how much new money have you, by yourself or together with
fin_1_8_2
In the past 6 months, how much new money have you, by yourself or together with
fin_1_8_3
In the past 6 months, how much new money have you, by yourself or together with
fin_1_8_4
In the past 6 months, how much new money have you, by yourself or together with
fin_1_8_4_other
Specify other source
fin_1_9_1
What is the amount currently owed from all loans with [A BANK OR FORMAL FINANCIA
fin_1_9_2
What is the amount currently owed from all loans with [FAMILY, RELATIVES, OR FRI
fin_1_9_3
What is the amount currently owed from all loans with [AN INFORMAL SAVINGS GROUP
fin_1_9_4
What is the amount currently owed from all loans with [OTHER SOURCE] that you, b
fin_1_9_4_other
Specify other source
fin_1_10
Have you applied for a loan for your main business in the past 12 months?
fin_1_11
What is the size of the loan you applied for your main business?
fin_1_12
Do any of your other business(es) have a line of credit or a loan from a bank or
fin_1_13_1
In the past 6 months, how much new money have you, by yourself or together with
fin_1_13_2
In the past 6 months, how much new money have you, by yourself or together with
fin_1_13_3
In the past 6 months, how much new money have you, by yourself or together with
fin_1_13_4
In the past 6 months, how much new money have you, by yourself or together with
fin_1_13_4_other
Specify other source
fin_1_14_1
What is the amount currently owed from all loans with [A BANK OR FORMAL FINANCIA
fin_1_14_2
What is the amount currently owed from all loans with [FAMILY, RELATIVES, OR FRI
fin_1_14_3
What is the amount currently owed from all loans with [AN INFORMAL SAVINGS GROUP
fin_1_14_4
What is the amount currently owed from all loans with [OTHER SOURCE] that you, b
fin_1_14_4_other
Specify other source
fin_1_15_1
What collateral, if any, was required for your business loan(s)?
fin_1_15_1_others
Specify other collateral type
fin_1_15_2
What collateral, if any, was required for your business loan(s)?
fin_1_15_2_others
Specify other collateral type
fin_1_16_1
Who owned the collateral for the loan(s)?
fin_1_16_1_others
Please specify other
fin_1_16_2
Who owned the collateral for the loan(s)?
fin_1_16_2_others
Please specify other
fin_1_17
Did you ever use a guarantor or take a loan jointly with someone for your busine
fin_1_18
Who agreed to guarantee the loan(s) or borrow jointly with you?
fin_1_18_others
Specify other guarantor
fin_1_19
What is the average interest rate you are paying for your business loans per ann
fin_1_20
What is / was the primary use or intended use of the most recent loan that you h
fin_1_20_others
Specify other use
fin_1_21
How do you save the money you earn in your businesse(es)?
fin_1_21_others
Specify other savings method
fin_1_22
In the past 12 months, did you ever use a mobile phone or the internet to make m
fin_1_23
If you're suddenly faced with an unexpected situation and you need money in 2 we
fin_1_24_1
If you're faced with that situation of needing that money in 2 weeks for your bu
fin_1_24_1_others
Please specify other
fin_1_24_2
If you're faced with that situation of needing that money in 2 weeks for your bu
fin_1_24_2_others
Please specify other
fin_1_25
Do you currently have a business account at any of the following places: a bank,
fin_1_27
Have you had a loan request denied by a financial institution in the last 12 mon
Total: 435
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