Question pretext
    
                                    (READ:) This next section is about borrowing money for different purposes and from different sources such as family and friends, and banks, [local terminology for formal financial lenders], or other formal financial institutions. 
FIN22C. 	(ASK ONLY IF CODE 1 IN FIN17B)
            
            
 
    Literal question
    
                                    BORROWING SECTION 
In the PAST 12 MONTHS, have you, by yourself or together with someone else, borrowed any money from any of the following sources? 
- From an informal savings group/club such as [local terminology for savings group/club]
            
            
 
    Question post text
    
                                    (If respondent has borrowed money from a financial institution, from family, relatives, or friends, or from an informal savings group/club [code 1 to ANY in FIN20, FIN21, FIN22A, FIN22B, OR FIN22C], Skip to FIN24; Otherwise, Continue)