| Value | Category | 
                                    
                    
                        | ACCOUNT CLOSED |  | 
                                    
                    
                        | ACCOUNT WAS CLOSED |  | 
                                    
                    
                        | ALWAYS USE MONEY TO BUY MATERIALS |  | 
                                    
                    
                        | ALWAYS USE THE MONEY TO BUY GOODS |  | 
                                    
                    
                        | ALWAYS USE THE MONEY TO BUY INPUTS |  | 
                                    
                    
                        | BECAUSE HER HUBBY HAS AN ACCOUNT |  | 
                                    
                    
                        | BUSINES IS STILL SMALL AND IS MAKING LESS |  | 
                                    
                    
                        | BUSINESS IS GOING ON WELL FOR HOW SO I DONT |  | 
                                    
                    
                        | BUSINESS IS TOO SMALL AND MONEY IS USED TO |  | 
                                    
                    
                        | BUSINESS STILL SMALL TO OPEN AN ACCOUNT |  | 
                                    
                    
                        | BUSINESS TOO SMALL |  | 
                                    
                    
                        | BUSY GO TO BANK |  | 
                                    
                    
                        | BUY GOODS TO RESELL |  | 
                                    
                    
                        | CANT MEET THE REQUIREMENTS |  | 
                                    
                    
                        | CAPITAL IS TOO SMALL |  | 
                                    
                    
                        | CHATS HENCE ENOUGH MONEY TO OPEN BANK  ACCOUN |  | 
                                    
                    
                        | DECIDED BECAUSE DONT HAVE ANY ID CARD |  | 
                                    
                    
                        | DEMAND OF MONEY IS HIGH AS SHE IS A WIDOW |  | 
                                    
                    
                        | DIDNT HAVE INTEREST IN OPENING AN ACCOUNT |  | 
                                    
                    
                        | DO NOT MAKE ENOUGH MONEY TO OPEN ABANK ACCOUN |  | 
                                    
                    
                        | DOES NOT MAKE ENOUGH MONEY TO OPEN AN ACOUNT |  | 
                                    
                    
                        | DOESNT HAVE ENOUGH FUNDS |  | 
                                    
                    
                        | DON'T HAVE ENOUGH MONEY TO SAVE |  | 
                                    
                    
                        | DON'T HAVE MONEY TO SAVE |  | 
                                    
                    
                        | DON,T HAVE ENOUGH MONEY TO SAVE |  | 
                                    
                    
                        | DON,T HAVE ENOUGH TO OPEN IN BANS ACCOUNT |  | 
                                    
                    
                        | DONT HAV ENOUGH MONEY TO SAVE |  | 
                                    
                    
                        | DONT HAVE AN IDENTITY CARD TO OPEN AN ACCOUNT |  | 
                                    
                    
                        | DONT HAVE ENOUGH MONEY |  | 
                                    
                    
                        | DONT HAVE ENOUGH MONEY TO OPEN A BANK ACCOUNT |  | 
                                    
                    
                        | DONT HAVE ENOUGH MONEY TO OPEN ACCOUNT |  | 
                                    
                    
                        | DONT HAVE ENOUGH MONEY TO OPEN AN ACCOUNT |  | 
                                    
                    
                        | DONT HAVE ENOUGH MONEY TO OPEN BANK ACCOUNT |  | 
                                    
                    
                        | DONT HAVE ENOUGH MONEY TO SAVE |  | 
                                    
                    
                        | DONT HAVE ID |  | 
                                    
                    
                        | DONT HAVE INTEREST |  | 
                                    
                    
                        | DONT HAVE MONEY TO SAVE |  | 
                                    
                    
                        | DONT HAVE NECESSARY DOCUMENTS |  | 
                                    
                    
                        | DONT KNOW |  | 
                                    
                    
                        | EARN TOO LITTLE TO PUT IN THE BANK, MY |  | 
                                    
                    
                        | EVERY  MONEY SOURCED IS USED TO PURCHASED |  | 
                                    
                    
                        | FINDS NOT ENOGUH TO SAVE |  | 
                                    
                    
                        | HAD ALOT OF PROBLEMS |  | 
                                    
                    
                        | HAS A PROJECT (BULDING A HOUSE) WHEN FINISH |  | 
                                    
                    
                        | HAS NO ENOUGH TO SAVE IN BANKS |  | 
                                    
                    
                        | HAVE AN ACCOUNT BUT   BLOCKED |  | 
                                    
                    
                        | HAVE TRIED BUT NOT SUCCESSFULLY |  | 
                                    
                    
                        | HAVENT THOUGHT ABOUT IT |  | 
                                    
                    
                        | HE ALWAYS SAVE MONEY BY BUYING OTHER |  | 
                                    
                    
                        | HE ALWAYS USE MONEY TO BUY AND RESELL EVERYDA |  | 
                                    
                    
                        | HE DOEN'T TRUST BANKS |  | 
                                    
                    
                        | HE DONT HAVE THE ACCOUNT BECAUSE HE DONT |  | 
                                    
                    
                        | HE FEELS HE FINDS LITTLE MONEY THAT HE CANT |  | 
                                    
                    
                        | HE FOUND LITTLE MONEY |  | 
                                    
                    
                        | HE INVEST THE MONEY IN BUSINES |  | 
                                    
                    
                        | HE IS NOT READY TO OPEN AN ACCOUNT HE WILL OP |  | 
                                    
                    
                        | HE KEEPS HIS MONEY IN HIS HOME |  | 
                                    
                    
                        | HE USES MONEY NOW AND AGAIN , SO ITS DIFFICUL |  | 
                                    
                    
                        | HE WAS BUYING FERTILIZER FOR HIS FARM |  | 
                                    
                    
                        | HE WILL OPEN LATER |  | 
                                    
                    
                        | I ALWAYS BUY GOODS TO RESELL |  | 
                                    
                    
                        | I DON'T HAVE MPONEY TO SAVE |  | 
                                    
                    
                        | I DON'T MAKE ENOUGH MONEY THAT I CAN MANAGE |  | 
                                    
                    
                        | I DONT FIND ENOUGHT MONEY TO BANK |  | 
                                    
                    
                        | I DONT HAVE MONEY TO SAVE AT THE BANK |  | 
                                    
                    
                        | I EARN LESS TO DEPOSIT ELSEWHERE |  | 
                                    
                    
                        | I EARN TOO LITTLE TO SAVE ELSEWHERE |  | 
                                    
                    
                        | I HAD ONE BUT I CLOSED |  | 
                                    
                    
                        | I HAVE NO IDENTITY CARDS |  | 
                                    
                    
                        | I HAVE TRIED BUT DEMED TO IDENTIFY ISSUE |  | 
                                    
                    
                        | I INVEST THE SAVINGS INTO MY BUSINESS |  | 
                                    
                    
                        | I MAKE LITTLE PROFITS AND I ALSO HAVE A BIG |  | 
                                    
                    
                        | I POSTPONE GOING TO OPEN ACCOUNT BUT IN THE |  | 
                                    
                    
                        | I WANT KEEP MONEY BY MY SELF |  | 
                                    
                    
                        | I WAS BOOSING MY BUSINESS |  | 
                                    
                    
                        | I WAYS BUY GOODS TO SELL |  | 
                                    
                    
                        | IDONT HAVE ARECOGNIZED IDENTITY CARD THAT I |  | 
                                    
                    
                        | IDONT HAVE ID |  | 
                                    
                    
                        | IN ALWAYS SPENDING MY EANINGS AT HOME OR THE |  | 
                                    
                    
                        | INVESTED IN ANOTHER BUSINESS |  | 
                                    
                    
                        | IT WAS DIFFICULT TO OPEN AN ACCOUNT WITHOUT |  | 
                                    
                    
                        | ITS DIFFICULT TO OPEN AN ACCOUNT |  | 
                                    
                    
                        | JUST INVEST ON BUSINESS |  | 
                                    
                    
                        | KEEPS POSTPONING |  | 
                                    
                    
                        | LAZINESS |  | 
                                    
                    
                        | LIQUIDITY |  | 
                                    
                    
                        | MAKE TOO LITTLE TO SAVE ANYWHERE ELSE |  | 
                                    
                    
                        | MONEY DOESNT LAST LONGER |  | 
                                    
                    
                        | MONEY IS USED TO BUY GOODS AND FOR SCHOOL FEE |  | 
                                    
                    
                        | MY BUSINESS DOES NOT PRODUCE ENOUGH PROFIT |  | 
                                    
                    
                        | MY CAPITAL IS SMALL |  | 
                                    
                    
                        | NEVER THOUGHT ABOUT BECAUSE MY HUSBAND KEEP |  | 
                                    
                    
                        | NO ID |  | 
                                    
                    
                        | NO INTERESTED |  | 
                                    
                    
                        | NO MONEY TO SAVE THE BANK |  | 
                                    
                    
                        | NO PROFIT TO BE SAVED |  | 
                                    
                    
                        | NO REASON, HE WAS TIED UP, HE WILL OPEN LATER |  | 
                                    
                    
                        | NO REASONS SHE WILL OPEN LATER. |  | 
                                    
                    
                        | NO REWASON HE WILL OPEN LATER |  | 
                                    
                    
                        | NOT INTERESTED |  | 
                                    
                    
                        | NOT YET SETTLED OPEN AN ACCOUNT |  | 
                                    
                    
                        | REENUE INSIFFICIENT |  | 
                                    
                    
                        | SAVE IN SPOUSE ACCOUNT |  | 
                                    
                    
                        | SAVE MONEY IN THE BUS |  | 
                                    
                    
                        | SAVES  IN THE ITEMSSOLD |  | 
                                    
                    
                        | SHE ALWAYS BUY GOODS TO RESELL AFTER SELLS |  | 
                                    
                    
                        | SHE DON'T HAVE AN ID CARD |  | 
                                    
                    
                        | SHE FEELS SHE FINDS A LITTLE MONEY SO SHE |  | 
                                    
                    
                        | SHE FEELS SHE FOUND A LITTLE MONEY THAT SHE |  | 
                                    
                    
                        | SHE HAS NEVER THOUGHT OF PUTTING MONEY AT THE |  | 
                                    
                    
                        | SHE IS IN THE PROCESS OF OPENING AN ACCOUNT |  | 
                                    
                    
                        | SHE IS NOT PREPARED |  | 
                                    
                    
                        | SHE WANTED TO OPEN BUT SHE DOESNT HAVE AN ID |  | 
                                    
                    
                        | SHE WILL OPEN LATE |  | 
                                    
                    
                        | SHE WILL OPEN LATER |  | 
                                    
                    
                        | SOON WILL OPEN AN ACCOUNT |  | 
                                    
                    
                        | SPOUSE SAVES |  | 
                                    
                    
                        | STII INVESTING |  | 
                                    
                    
                        | STILL PAY BACK LOAN |  | 
                                    
                    
                        | STILL THINKING ABOUT OIT |  | 
                                    
                    
                        | STILL THINKING ABOUT OPENING AN ACCOUNT |  | 
                                    
                    
                        | THE BUSINESS DOES NOT MAKE ENOGH PROFITS TO B |  | 
                                    
                    
                        | THE BUSINESS IS SEASON |  | 
                                    
                    
                        | THE BUSINESS IS STILL SMALL |  | 
                                    
                    
                        | THE BUSINESS REQUIRES SUSTAINANCE HENCE THE |  | 
                                    
                    
                        | THE BUSINESS WAS UNSTABLE |  | 
                                    
                    
                        | THE COUNTRY RULE DOES NOT ALLOW HIM TO SERVE |  | 
                                    
                    
                        | THE MONEY GOS IS USED TO BUY INPUTS AND |  | 
                                    
                    
                        | THE MONEY IS ALWAYS USED TO BUY ANIMALS TO |  | 
                                    
                    
                        | THE MONEY IS USED TO BUY GOODS |  | 
                                    
                    
                        | THE MONEY IS USED TO BUY GOODS AND HOUSEHOLD |  | 
                                    
                    
                        | THE MONEY IS USED TO BUY GOODS RESELL AFTER S |  | 
                                    
                    
                        | THE MONEY IS USED TO BUY GOODS RIGHT AWAY' |  | 
                                    
                    
                        | THE MONEY IS USED TO BUY MAKETING MATERIALS A |  | 
                                    
                    
                        | THE PROCEDURE OF THE BANK IS COMPLICATED |  | 
                                    
                    
                        | THERE WAS POOR MANAGEMENT OF FUNDS SO COULDNT |  | 
                                    
                    
                        | THIS MONEY WHICH SHE FINDS IN  HER BUSINESS |  | 
                                    
                    
                        | TOO EARLY TO OPEN ACCOUNT |  | 
                                    
                    
                        | TRIED TO OPEN ACCOUNT BUT DENIED BECAUSE OF |  | 
                                    
                    
                        | USES MONEY TO BUY INPUTS ALTIME |  | 
                                    
                    
                        | USES SPOUSES BANK ACCOUNT |  | 
                                    
                    
                        | WE HAVE JUST STARTED(ITS NEW BUSINESS) |  | 
                                    
                    
                        | WI LL OPEN SOON |  | 
                                    
                    
                        | YET TO DECIDE |  | 
                            
            Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.