Financial Diaries Project 2003-2004

South Africa, 2003 - 2004

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Reference ID

ZAF_2003_FDP_v01_M

Producer(s)

Daryl Collins

Metadata

DDI/XML JSON

Created on

Sep 15, 2013

Last modified

Mar 29, 2019

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Data file: Finfinancialinstruments

Variables:	454

Variables

osgltranstime

Stokvel Loans F7.23 How much time does it take to get there? CHOOSE from list.

osgltranscost

Stokvel Loans F7.24 What were the transport costs one-way? RAND

osglpaiddate

Stokvel Loans F7.25 When did you pay it off? DD/MM/YY

osglopenbal

Stokvel Loans F7.26 What is the current Balance?

osglendwhy

Stokvel Loans Reason Ended

osglend

Stokvel Loans End

omlname

Mashionisa Loan F8.2 Who is the Mashionisa?

omltype

Mashionisa Loan F8.5 What is the loan for? CHOOSE from list.

omlamnt

Mashionisa Loan F8.6 What was the loan amount? RAND

omlcollateral

Mashionisa Loan F8.7 What collateral did you have to offer? CHOOSE from list.

omlintfreq

Mashionisa Loan F8.8 How often do you pay interest? CHOOSE from list.

omlintamnt

Mashionisa Loan F8.9 How much interest do you pay each time? RAND

omlintmntamnt

Mashionisa Loan F8.10 So the monthly interest rate is.....

omlpayhow

Mashionisa Loan F8.11 How do you pay? CHOOSE from list.

omlfixperiod

Mashionisa Loan F8.12 Are you supposed to have paid off the loan by a particula

omlfixend

Mashionisa Loan F8.13 If yes, when? DD/MM/YY

omlouthow

Mashionisa Loan F8.14 How do you get paid out? CHOOSE from list.

omlfees

Mashionisa Loan F8.15 Are there other fees? Y/N

omlfeestype

Mashionisa Loan F8.16 What are they for? CHOOSE

omltrans

Mashionisa Loan F8.17 If cash, how do you travel to pay payment? CHOOSE from li

omltranstime

Mashionisa Loan F8.18 How much time does it take to get there? CHOOSE from lis

omltranscost

Mashionisa Loan F8.19 What were the transport costs one-way? RAND

omlconseq

Mashionisa Loan F8.20 What happens if you don't pay? CHOOSE from list.

omldiff

Mashionisa Loan F8.21 Was it easy to arrange this loan? Y/N

omlalternative

Mashionisa Loan F8.22 What other source did you try first? CHOOSE from list.

omlenddate

Mashionisa Loan F8.23 When did you pay it off? DD/MM/YY

omlopenbal

Mashionisa Loan F8.24 What is the current balance?

omlendwhy

Mashionisa Loan Reason Ended

omlend

Mashionisa Loan End

ocrpaymeth

Credit (Account) PayMethod

ocrname

Credit (Account) F9.2 What is the name of the store? NAME

ocrtype

Credit (Account) F9.3 What type of creditor is it? CHOOSE from list.

ocrcost

Credit (Account) F9.6 What was the total cost of the item? RAND

ocrdeposit

Credit (Account) F9.7 How much did you put down as a deposit? RAND

ocrpremamnt

Credit (Account) F9.8 What do you pay each month? RAND

ocrintpers

Credit (Account) F9.9 What interest rate do you pay?

ocrcashcost

Credit (Account) F9.10 How much would it cost cash? RAND

ocrpayhow

Credit (Account) F9.11 How do you pay? CHOOSE from list.

ocrfees

Credit (Account) F9.12 Are there other fees? Y/N

ocrfeestype

Credit (Account) F9.13 What are they for? CHOOSE

ocrtrans

Credit (Account) F9.14 If you have to travel to pay monthly payment, how do y

ocrtranstime

Credit (Account) F9.15 How much time does it take to get there? CHOOSE from lis

ocrtranscost

Credit (Account) F9.16 What were the transport costs one-way? RAND

ocrfixperioddate

Credit (Account) F9.18 When are you supposed to have paid it off?DD/MM/YY

ocrenddate

Credit (Account) F9.19 When did you pay it off?DD/ MM/YY

ocropenbal

Credit (Account) F9.20 What is the current Balance?

ocrendwhy

Credit (Account) Reason Ended

ocrend

Credit (Account) End

oclsname

Credit at local Spaza shop F10.2 What is the name of the Spaza / Shebeen? NAME

oclsamnt

Credit at local Spaza shop F10.3 How much have you bought on credit? RAND

oclsint

Credit at local Spaza shop F10.5 Do you pay interest? Y/N

oclsintpers

Credit at local Spaza shop F10.6 If yes, how much per month? % or RANDS/R100

oclscashcost

Credit at local Spaza shop F10.7 How much would the same amount cost if you bou

oclsopenbal

Credit at local Spaza shop F10.9 What is the current balance?

oclsendwhy

Credit at local Spaza shop Reason Ended

oclsenddate

Credit at local Spaza shop DateEnd

oolrelat

One-on-One Giving Loans F11.3 Who is this person to you? CHOOSE from list.

oolamnt

One-on-One Giving Loans F11.4 How much did you lend? RAND

oolint

One-on-One Giving Loans F11.6 Do you charge interest? Y/N

oolintpers

One-on-One Giving Loans F11.7 If yes, how much? % or RANDS/ R100

oolwhy

One-on-One Giving Loans F11.8 Why do you give a loan to that person? CHOOSE fro

oolopenbal

One-on-One Giving Loans F11.9 What is the current Balance?

oolendwhy

One-on-One Giving Loans Reason Ended

oolenddate

One-on-One Giving Loans DateEnd

oobrelat

One-on-One Borrowing F12.3 Who is this person to you? CHOOSE from list

oobamnt

One-on-One Borrowing F12.4 How much did you borrow? RAND

oobint

One-on-One Borrowing F12.6 Do you pay interest? Y/N

oobintpers

One-on-One Borrowing F12.7 If yes, how much per month? % or RANDS/ R100

oobwhy

One-on-One Borrowing F12.8 What did you borrow for? CHOOSE from list.

oobopenbal

One-on-One Borrowing F12.9 What is the current Balance?

oobendwhy

One-on-One Borrowing Reason Ended

oobenddate

One-on-One Borrowing DateEnd

omgarelat

Acting as Money Guard F13.2 Whose money is looked after? CHOOSE from list

omgaamnt

Acting as Money Guard F13.3 How much is being looked after? RAND

omgaint

Acting as Money Guard F13.5 Do you charge them interest? Y/N

omgaintpers

Acting as Money Guard F13.6 If yes, how much interest per month? ( % or rands/10

omgaendwhy

Acting as Money Guard Reason Ended

omgaenddate

Acting as Money Guard DateEnd

omgurelat

Using Money Guard F14.2 Who is looking after money? CHOOSE from list

omguamnt

Using Money Guard F14.3 How much is being looked after? RAND

omguint

Using Money Guard F14.5 Are they charging you interest? Y/N

omguintpers

Using Money Guard F14.6 If yes, how much per month? % or RANDS/R100

omgutrust

Using Money Guard F14.7 Why do you trust that person? CHOOSE from list.

omgusave

Using Money Guard F14.8 What are you saving money for? CHOOSE from list

omguendwhy

Using Money Guard Reason Ended

omguenddate

Using Money Guard DateEnd

oiiswhere

Savings in the House F15.2 Where do you hide the money? CHOOSE from list.

oiiswhy

Savings in the House F15.3 What are you keeping it for? CHOOSE from list.

oiisinmnthamnt

Savings in the House F15.4 How much is put in every month? RAND

oiisoutmnthamnt

Savings in the House F15.5 How much is taken out every month? RAND

oiishighbal

Savings in the House F15.6 What was the largest balance you were able to save?

oiisopenbal

Savings in the House F15.7 What is the current balance? RAND

oraramnt

Rent Arrears F16.2 How much do you owe? RAND

orarwhy

Rent Arrears F16.3 Why do you pay rent late? CHOOSE from list.

orarendwhy

Rent Arrears Reason Ended

orarenddate

Rent Arrears DateEnd

owaamnt

Wage Advance F17.2 How much did you take in advance? RAND

owawhy

Wage Advance F17.3 Why do you need the money? CHOOSE from list.

owaenough

Wage Advance F17.4 When you get paid the rest, will it be enough to live on? Y/

owaenoughnot

Wage Advance F17.5 If no, what will you do? CHOOSE from list.

owaendwhy

Wage Advance Reason Ended

owaenddate

Wage Advance DateEnd

oinartype

Income Arrears F18.2 What type of income is it?

oinaramnt

Income Arrears F18.3 How much do you still need to be paid ? RAND

oinarenough

Income Arrears F18.5 Do you have enough to live on? Y/N

oinarenoughnot

Income Arrears F18.6 If no, what do you do? CHOOSE from list.

oinarendwhy

Income Arrears Reason Ended

oinarenddate

Income Arrears DateEnd

ocrgamnt

Giving Credit F19.2 What was the original amount borrowed? RAND

ocrgrepay

Giving Credit F19.4 How much has this person paid you towards that credit? RAND

ocrgint

Giving Credit F19.5 Do you Charge Interest (Y / N)

ocrgintpers

Giving Credit F19.6 If yes, how much per month? (% / Rands/100 Rand)

ocrgincr

Giving Credit F19.7 If no, do you charge more for the goods? (Y/ N)

ocrgwhy

Giving Credit F19.8 Why give this person the loan? CHOOSE from list.

ocrgopenbal

Giving Credit F19.9 What is the current balance (how much is still owed)?

ocrgendwhy

Giving Credit Reason Ended

ocrgenddate

Giving Credit DateEnd

occpaymethod

Credit Cards PayMethod

occtype

Credit Cards F21.2 What type of credit card is it? (Choose form list)

occopenbal

Credit Cards F21.3 What is the balance right now? RAND

occmnth

Credit Cards F21.4 Do you pay it off in the same month? (Yes / No)

occmin

Credit Cards F21.5 Do you pay more than the minimum required? (Y / N)

occintpers

Credit Cards F21.6 What interest rate are you charged per annum? (%)

occenddate

Credit Cards F21.6 What date did you last use the credit Card

occendwhy

Credit Cards Reason Ended

occend

Credit Cards End

ostsize

Salary Timing F22.3 How many people are involved with this arrangement in total

ostday

Salary Timing F22.4 On what day of the month do you get paid?

ostoutpers2amnt

Salary Timing F22.5 After you get paid, how much do you lend to person #2?

ostoutpers3amnt

Salary Timing F22.6 After you get paid, how much do you lend to person number 3

ostdaypers2

Salary Timing F22.8 What day of the month does the next person get paid? (#2)

ostinpers2amnt

Salary Timing F22.9 After #2 gets paid, how much do you borrow from them?

ostdaypers3

Salary Timing F22.10 What day of the month does the next person get paid? (#3)

ostinpers3amnt

Salary Timing F22.11 After #3 gets paid, how much do you borrow from them?

ostamntsame

Salary Timing F22.13 Does everyone always borrow and pay back the same amount e

ostskip

Salary Timing F22.14 Are there months when you don't borrow from the others? (Y

ostlend

Salary Timing F22.15 If yes, Do you need to lend them money when you get paid?

ostendwhy

Salary Timing Reason Ended

ostenddate

Salary Timing DateEnd

oduapaymeth

Debts Under Administration PayMethod

oduaattname

Debts Under Administration F23.2 What is the name of the Attorney / Administrato

oduaorigdebttype

Debts Under Administration F23.3 What kind of debt was it originally?

oduaorigname

Debts Under Administration F23.4 What was the name of the company the loan was

oduaorigamnt

Debts Under Administration F23.5 What was the original loan / credit amount?

oduaorigprem

Debts Under Administration F23.6 How much did you have to pay per month before

oduaorigintpers

Debts Under Administration F23.7 How much interest were you paying per month on

oduaorigstopdate

Debts Under Administration F23.8 When did you stop making payment on the origin

oduaorigowing

Debts Under Administration F23.10 How much did you owe on the loan at that time

oduaprem

Debts Under Administration F23.11 How much is the monthly payment now?

oduafixenddate

Debts Under Administration F23.12 When will you have paid this loan off? (DD/MM

oduaintpers

Debts Under Administration F23.13 What interest Rate are you currently paying p

oduaopenbal

Debts Under Administration F23.14 What is the outstanding balance? Rand

oduaendwhy

Debts Under Administration Reason Ended

oduaenddate

Debts Under Administration DateEnd

Total: 454

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