DDI_ETH_2018-2021_WEDP-IE_v01_M_WB Development Data Group 2023-02-03 NADA Version 01 (2023-02-03) Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline and Endline Surveys 2021 Randomized Controlled Trial Impact Evaluation WEDP ETH 2021 ETH_2018-2021_WEDP-IE_v01_M Salman Alibhai Rachel Cassidy Markus Goldstein Sreelakshmi Papineni NADA World Bank Enterprise Survey [en/oth] This data was collected for a randomized controlled trial evaluating the impact of offering a large, individual-liability, uncollateralized microfinance loan to female business owners in Ethiopia, using psychometric credit scoring technology as a substitute for fixed-asset collateral requirements. This study partnered with the Ethiopian MFI Wasasa to trial a psychometric loan appraisal technology that predicts repayment likelihood. A total of 357 women completed the psychometric test and baseline survey between April 2018-March 2020 and 324 (of the 357) women completed the endline survey in September 2021. Ethiopia The study sample is comprised of individuals who at the time of the baseline survey lived or worked in the cities of Adama (92%) or Asela (8%) in Ethiopia. Computer Assisted Personal Interview [capi] ethiopia_psychometrics_baseline Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Baseline Survey Data 2018-2020 369 110 ethiopia_psychometrics_endline Psychometric Credit Scoring as an Alternative to Collateral for Women Entrepreneurs in Ethiopia - Endline Survey Data 2021 324 598 Unique ID for the respondent nan 369 271954255830 918334004022 Branch name Please select your branch: 369 Loan amount requested Please enter the loan amount the applicant is seeking 357 12 100000 250000 Monthly average business turnover Please enter the applicant’s monthly business turnover over the last year. If the business is less than 1 year, use the average turnover (sales) over the life span of the business (ex. Ten thousand ) 354 15 214 160000 Respondent age What is your age? 350 19 20 60 Respondent gender What is your gender? 369 Respondent's marital status What is your marital status? 357 12 1 6 1 Divorced 2 Living with partner 3 Married 4 Separated 5 Single 6 Widowed Sysmiss Highest level of education completed What is your highest level of education completed? 357 12 1 5 1 Bachelor (university degree) 2 Diploma (technical degree/vocational/trade school degree, not a university degree) 3 Elementary 4 High School 5 Master/Doctorate Sysmiss How long respondent has lived in their current residence How long have you lived at your current residential address? 354 15 1 23 How long respondent has had primary phone number How long have you had your primary phone number? 354 15 2 23 How long respondent has banked with Wasasa How long have you banked with {0}? 354 15 23 Have bank accounts with other institutions Do you currently have accounts or loans with other banks or credit institutions? 369 1 No 1 Yes How long respondent has had a bank account with other institutions How long have you had an account or loan with a bank or financial institution other than {0}? 354 15 23 Number of years business has been in operation How many years has your business been in operation for? 357 12 28 Businesses owned in life How many businesses have you owned in your life? 354 15 1 7 Average profits earned monthly In an average month, what is the total income your business earned after paying all expenses including the wages of employees, but not including any income you paid yourself (in other words, what were your profits)? 357 12 2 200000 Value of business assets How much would you estimate is the value of your businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)? 357 12 500000 Consent Welcome! Welcome! We are studying the views of women entrepreneurs in Ethiopia. Your responses and suggestions are anonymous and confidential. We add everyone’s answers together for our research to help improve services. Would it be possible to ask you some questions about your household and your enterprise? 340 29 1 1 1 Yes Sysmiss City respondent lives in What city do you live in? 369 Name of enterprise What is the name of your enterprise that you are seeking a loan for? 369 Address of enterprise: subcity Address of Enterprise What is the address of your enterprise? Subcity: 369 Address of enterprise: subcity in Adama Address of Enterprise What is the address of your enterprise? Subcity: 369 Address of enterprise: Woreda What is the address of your enterprise? Woreda: 369 Address of enterprise: Kebele What is the address of your enterprise? Kebelle: 369 Common area name of where business is situated What is the common name of the area where your business is situated? 369 Directions of enterprise Please give directions to find your enterprise: 369 Which WEDP services have you received Which WEDP services have you received? 339 30 1 4 1 Received WEDP Loan 2 Received WEDP Training 3 Received WEDP Loan and Training 4 Received neither WEDP Loan nor training Sysmiss Respondent's place of birth What is your place of birth? 339 30 1 8 1 Addis Ababa 2 Adama 3 Bahir Dar 5 Mekelle 7 Other place in Ethiopia 8 Another country Sysmiss Can you read and write in any language Do you know how to write and read a message in any language? 339 30 1 No 1 Yes Sysmiss How many people live in your household How many people live in your household? Include yourself and all members of your household, small children and older adults. A household member is a person who eats and sleeps in your house for at least 4 days a week for at least 6 months in a year. 339 30 12 How many people work in your household How many people in your household work? 339 30 1 6 How many females in your household work How many females in your household work? 339 30 4 Total income for the household last month What is the total income for the household in the last month? Enter in Ethiopian Birr. 339 30 1 2033000 Total income from female workers in household last month What are the total earnings of all the female workers in the household in the last month? Enter in Ethiopian Birr. 339 30 640000 Who is the head of the household Who is the head of the household? 339 30 1 5 1 Me 2 Partner/Spouse 3 Me and my partner /Spouse 4 Mother or Father 5 Other relative Sysmiss What is your position in the household What is your own position in the household? 339 30 1 5 1 Household Head 2 Spouse of Household Head 3 Daughter/Son Household Head 4 Mother/Father of Household Head 5 Other Relative Sysmiss Do you have children Do you have children? 339 30 1 No 1 Yes Sysmiss How many daughters do you have How many daughters do you have? 259 110 6 Who looks after children when you are at work and they are not in school Who looks after your children when you are working and they are not in school? 261 108 1 9 1 They look after themselves 2 Elder siblings look after younger siblings. 3 My spouse looks after them. 4 A relative or friend looks after them. 6 The baby-sitter or live-in servant looks after them 7 Put the baby in day care 8 They stay with me in the business 9 Other Sysmiss Ethnicity What is your ethnicity? 369 Religion What is your religion? 339 30 1 5 1 Orthodox 2 Protestant 3 Catholic 4 Muslim 5 Other Sysmiss Does household own any asset - 1st pick Does your household have any of the following? Please check all that apply 339 30 1 7 1 Electricity 2 Mobile Phone 3 Refrigerator 7 House Sysmiss Does household own any asset - 2nd pick Does your household have any of the following? Please check all that apply 325 44 1 4 1 Electricity 2 Mobile Phone 3 Refrigerator 4 Mattress Sysmiss Does household own any asset - 3rd pick Does your household have any of the following? Please check all that apply 321 48 1 6 1 Electricity 2 Mobile Phone 3 Refrigerator 4 Mattress 6 Flush Toilet Sysmiss Does household own any asset - 4th pick Does your household have any of the following? Please check all that apply 303 66 1 7 1 Electricity 2 Mobile Phone 3 Refrigerator 4 Mattress 5 Car 6 Flush Toilet 7 House Sysmiss Does household own any asset - 5th pick Does your household have any of the following? Please check all that apply 220 149 5 7 5 Car 6 Flush Toilet 7 House Sysmiss Does household own any asset - 6th pick Does your household have any of the following? Please check all that apply 106 263 1 7 1 Electricity 3 Refrigerator 5 Car 6 Flush Toilet 7 House Sysmiss Does household own any asset - 7th pick Does your household have any of the following? Please check all that apply 29 340 6 7 6 Flush Toilet 7 House Sysmiss Industry main business operates in In which industry does your main business operate? 339 30 1 6 1 Manufacturing 2 Construction 3 Trade 4 Services 5 Agriculture 6 Other Sysmiss Secondary line of operation What is your secondary line/sector of operation? 339 30 1 35 1 Textile and garment manufacturing 2 Leather manufacturing 3 Intermediate food/bev. manu 4 Metal works and engineering 5 Wood works 6 Building materials manufacturing 8 Contracting for construction 9 Wholesale 10 Retail 11 Small transport services 12 Café and restaurants 14 Tourism services 16 Business services 17 Staffing/outsourcing services 19 Municipal services 20 Automobile maintenance 23 Beauty salon 25 Interior design/decorating services 26 Communications services 27 Cleaning services (non-laundry) 28 Laundry services 29 Modern livestock rearing 31 Poultry 35 Other Sysmiss Business owned by you or together with someone else Is this business owned by you or together with somebody else? 339 30 1 4 1 Single Owner – Self 2 Joint ownership with husband 3 Joint Ownership with other family member 4 Joint Ownership with friend Sysmiss Where did starting capital come from When this business first started, where did most of the start-up capital for this business come from? 339 30 1 16 1 Own savings 2 Spouse’s savings 3 Equb or other ROSACA type savings 4 Family inheritance 5 Remittance 6 Gift from friends or relatives 9 Loan from parents 10 Loan from siblings 12 Loan from other businesses 14 Loan from micro finance institutions 16 Other Sysmiss How much was the starting capital How much was the starting capital for the business (includes equipment and machinery used to start the business).? (in Birr) 339 30 300 500000 Primary reason for starting business What was the primary reason that you started or joined this business? 339 30 1 17 1 Household needed additional money 2 Wanted to make more money 3 Did not have a better wage alternative 4 Lost previous job 5 Wanted to continue family business 6 Previous experience as a worker in sector 7 Previous experience as an apprentice in sector 8 I took a related training course 9 Received subsidy to set up business 10 Low capital requirements 11 Allows me to balance family and work life 12 Saw a market opportunity 13 Wanted to be my own boss/have own business 15 Wanted to benefit from my hobby 17 Other Sysmiss Do you keep financial records or accounts for this business Do you keep financial records or accounts for this business? 338 31 1 No 1 Yes Sysmiss Business's total sales in the last 30 days What were the business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).  338 31 1000 1000000 Do sales show a seasonal pattern Do sales show a seasonal pattern? 338 31 1 6 1 Highest during main rainy season (Kiremt) 2 Highest after main rainy season 3 Lowest during the main rainy season (Kiremt) 4 Highest before main rainy season 5 Lowest after main rainy season 6 No pattern Sysmiss Amount spent on salaries in the last 30 working days What were the approximate amounts spent on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0" 338 31 4000000 Amount spent on transport allowances in the last 30 working days What were the approximate amounts spent on Transport Allowances for Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0" 338 31 4000000 Made people aware of business through any advertisement methods: 1st pick Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply. 338 31 1 6 1 Newspaper/Magazine/Billboards 2 Business cards/Flyers/Brochures 3 Loud speakers on the street/Radio announcement 4 Brokers 5 None 6 Other (Specify) Sysmiss Made people aware of business through any advertisement methods: 1st other, spec Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply. 2 367 6 6 6 Other (Specify) Sysmiss Made people aware of business through any advertisement methods: 2nd pick Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply. 30 339 2 6 2 Business cards/Flyers/Brochures 3 Loud speakers on the street/Radio announcement 4 Brokers 5 None 6 Other (Specify) Sysmiss Made people aware of business through any advertisement methods: 2nd other, spec Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply. 2 367 6 6 6 Other (Specify) Sysmiss Made people aware of business through any advertisement methods: 3rd pick Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply. 3 366 4 4 4 Brokers Sysmiss Who is responsible for production activities Who is usually responsible for production activities or for providing services? 338 31 1 8 1 Self 2 Employee 3 Friend 4 Spouse/partner 8 Other (please specify) Sysmiss Who is responsible for production activities - specify Who is usually responsible for production activities or for providing services? 1 368 8 8 Belong to any business association Do you belong to any business association? 338 31 1 No 1 Yes Sysmiss Name of business associated What is the name of the business association you belong to? 369 How many employees does this business have How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0". 338 31 22 Do you have written contracts for your employees Do you have written contracts for your employees? (Any of them.) 217 152 1 No 1 Yes Sysmiss How many employees has this business HIRED in the past 12 months How many employees has this business HIRED in the past 12 months? 217 152 22 How many employees have LEFT in the past 12 months How many employees have LEFT this business in the past 12 months? 217 152 12 What is the main reason employees left What was the most important reason for worker departure in the past 12 months? 62 307 1 7 1 Dismissal/poor performance 2 Worker found another job 3 Business could not afford 4 Worker sickness 6 Work is seasonal 7 Other (please specify) Sysmiss What is the main reason employees left - specify What was the most important reason for worker departure in the past 12 months? 27 342 7 7 How many employees are from another owner's family How many of your employees are from another owners' family? 217 152 10 How many employees are unpaid How many of your employees are unpaid? 217 152 6 How many employees are part-time workers How many of your employees are part-time workers? 217 152 8 How many hours a day do employees work How many hours in a day do your employees typically work on average? 217 152 17 How many days a week do employees work How many days in the week do your employees typically work on average? 217 152 84 How many loans did you apply for in the last year How many loans did you apply for your business in the last year for your business? 338 31 50 How many loans did you receive in the last year How many loans did you receive for your business in the last year for your business? 338 31 11 Have you borrowed for your business from these in the past 12 months - 1st pick Have you borrowed for your business in the past 12 months from the following sources? 338 31 1 6 1 Spouse 2 Other family member 3 Another business 4 MFI 5 Bank 6 Any other sources Sysmiss Have you borrowed for your business from these in the past 12 months - 2nd pick Have you borrowed for your business in the past 12 months from the following sources? 1 368 6 6 6 Any other sources Sysmiss Of all money ever borrowed for the business, how much is still owed Of all the money you borrowed for your business in the past (ever), how much do you still owe (in Birr)? 338 31 40000 How many people/institutions are still owed How many people/institutions do you owe money for your business at the moment? 338 31 1 Primary use of the most recent loan - 1st pick What is/was the primary use or intended use of the most recent loan? 338 31 1 12 1 Construction 2 Rent 3 Purchase of inputs/raw materials 4 License or permit fees 5 Purchase of marketing materials or services 7 Purchase of equipment 12 Have not taken any loan recently Sysmiss Primary use of the most recent loan - 2nd pick What is/was the primary use or intended use of the most recent loan? 2 367 3 12 3 Purchase of inputs/raw materials 12 Have not taken any loan recently Sysmiss Primary use of the most recent loan - 3rd pick What is/was the primary use or intended use of the most recent loan? 1 368 4 4 4 License or permit fees Sysmiss Primary use of the most recent loan - 4th pick What is/was the primary use or intended use of the most recent loan? 1 368 7 7 7 Purchase of equipment Sysmiss How do you save money earned in this business - 1st pick How do you save the money you earn in this business? Multiple responses possible. 338 31 1 9 1 I save money in the business premises 2 Through a Iqqub 3 Through a cooperative or savings group 4 Through MFIs 6 I save in a bank 7 I keep savings in my home 9 Other (please specify) Sysmiss How do you save money earned in this business - 1st, other specify How do you save the money you earn in this business? Multiple responses possible. 1 368 9 9 9 Other (please specify) Sysmiss How do you save money earned in this business - 2nd pick How do you save the money you earn in this business? Multiple responses possible. 87 282 2 7 2 Through a Iqqub 3 Through a cooperative or savings group 4 Through MFIs 6 I save in a bank 7 I keep savings in my home Sysmiss How do you save money earned in this business - 3rd pick How do you save the money you earn in this business? Multiple responses possible. 20 349 4 7 4 Through MFIs 6 I save in a bank 7 I keep savings in my home Sysmiss How do you save money earned in this business - 4th pick How do you save the money you earn in this business? Multiple responses possible. 5 364 7 7 7 I keep savings in my home Sysmiss Can you borrow if faced with an unexpected situation needing 5,000 Birr in 2 wee If suddenly you’re faced with an unexpected situation and you need 5,000 Birr in 2 weeks for your business, do you think you can borrow it? 338 31 1 No 1 Yes Sysmiss Can you borrow if faced with an unexpected situation needing 20,000 Birr in 2 we If suddenly you’re faced with an unexpected situation and you need 20,000 Birr in 2 weeks for your business, do you think you can borrow it? 259 110 1 No 1 Yes Sysmiss What is the maximum you can borrow if faced with an unexpected situation in 2 we If suddenly you’re faced with an unexpected situation and you need money in 2 weeks for your business, what is the maximum amount of money (in Birr) that you would be able to borrow? 338 31 250000 Where would you borrow from if faced with an unexpected situation requiring mone If you’re faced with that situation of needing that money in 2 weeks for your business, where would you be able to borrow it? Select your MOST important or primary borrowing source (based on size of loan). 338 31 1 13 1 Spouse 2 Family member/friend 3 Other Business 4 Moneylender 8 Supplier/retailer/store 9 Iqqub 10 MFI 11 Bank 12 Other (please specify) 13 No source Sysmiss Where would you borrow from if faced with an unexpected situation requiring mone If you’re faced with that situation of needing that money in 2 weeks for your business, where would you be able to borrow it? Select your MOST important or primary borrowing source (based on size of loan). 1 368 12 12 In your household who decides whether or not to buy an appliance In your household who decides whether or not to buy an appliance for the home? (such as televisions, microwave, etc.)? 338 31 1 4 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person Sysmiss In your household who decides who may go out to work In your household who decides in what way household members may work outside the home (in what jobs, how many hours, where, etc.)? 338 31 1 4 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person Sysmiss In your household who decided whether to support other family members In your household who decides whether to support family members, such as your parents, siblings, in-laws, etc? 338 31 1 4 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person Sysmiss In your household who decided whether to save for the future In your household who decides whether to save for the future? 338 31 1 4 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person Sysmiss Do you own a second business Do you own a second business? 338 31 1 No 1 Yes Sysmiss What sector does the second business operate in In which sector does your second business operate? 12 357 1 5 1 Manufacturing 3 Trade 4 Services 5 Agriculture Sysmiss Average daily total profits from second business What was the average daily total PROFITS the second business earned during the last seven working days after paying all expenses, including salaries, rents, materials, etc. (in Birr)? 12 357 500 50000 Total sales from the last 30 days for second business What were the business’ total SALES in the last 30 days for your second business? By this we mean the overall sales of products or services (in Birr). 12 357 1000 600000 How many employees does the second business have How many employees does this second business have? Include full-time + part-time + temporary + unpaid, and family members. Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. 12 357 7 Completed interview nan 338 31 1 1 Time interview ended nan 338 31 Unique ID for the respondent nan 324 271954255830 918334004022 Branch Branch 324 Enumerator name Enunerator ID 324 1 10 Q1: Enumerator: Please enter the PSI_ID which is on your hand? Q1: Enumerator: Please enter the PSI_ID which is on your hand? 324 1 409 Please confirm the respondent name is ${resp_name} ? Please confirm the respondent name is ${resp_name} ? 324 1 1 1 Yes Do you have any questions before we start? Do you have any questions before we start? 324 1 No 1 Yes Do you understand the information I have given? Do you understand the information I have given? 324 1 No 1 Yes Does the respondent consent to be verbally interviewed? Does the respondent consent to be verbally interviewed? 324 1 1 1 Yes 4. Where does the interview take place? Where does the interview take place? Do not read: If the place is both business and home 324 1 3 1 Business 2 Home 3 Other 4: Specify, where does the interview take place? nan 324 5: Age of ${WEDP_1_1} Age of {[Respondent name]} 324 22 63 6: Where was ${WEDP_1_1} born? Where was {[Respondent name]} born? 324 1 7 7: What is ${WEDP_1_1} marital status? What is {[Respondent name]} marital status? 324 1 6 1 Single/never married 2 Married/consensual union 3 Widowed 4 Divorced/separated/ 6 Refusal 8: Who is the head of the household? (Do not read out responses)) Who is the head of the household? (Do not read out responses)/ 324 1 4 1 Self 2 Spouse 3 Other female 4 Other male Household size Taking into account yourself and all members of this household, including small children and older adults, how many people live in your household? 324 1 15 10: How many people in your household work? How many people in your household work? [Include part-time and full time; include employment, self-employment, and unpaid work e.g. on family business] 324 10 11: How many females in your household work? How many females in your household work? [Include part-time and full time; include employment, self-employment, and unpaid work e.g. on family business] 324 6 12: Do you yourself work? [Include part-time and full time; include employment, Do you yourself work? [Include part-time and full time; include employment, self-employment, and unpaid work e.g. on family business] 324 1 4 1 Yes, full time 2 Yes, part time 3 Yes, irregular hours 4 No 13. Do you have children? Do you have children (include legally adopted and own children; do not include grand-children)? 324 1 No 1 Yes 14: How many children do you have? How many children do you have? 276 48 1 8 Less than 5 years of age Of these [number] children, how many are: 276 48 3 Between 5 and 18 years old nan 276 48 5 Above 18 years old nan 276 48 5 16. Who mainly looks after your children when you are working? Who mainly looks after your children when you are working and they are not in school? (Do not read out responses) 242 82 1 8 1 They stay with me in the business 2 They look after themselves (they are old enough) 3 Elder siblings look after younger sibling 4 Self 5 Spouse 6 Other HH member 7 Non-HH member looks after them for free 8 Non-HH member is paid to look after them Sysmiss 17. Are you the main income earner? Are you the main income earner, or do you contribute significantly to your household's income? 324 1 4 1 I contribute 80% or more of my household's income. 2 I contribute 50-80% of my household's income. 3 l contribute less than 50% of my household's income but critical to make ends me 4 Ocassional or discretionary earner / contributor. 18. HOUSEHOLD INCOME HOUSEHOLD INCOME: Please estimate the total income for your entire household combined over the last 30 DAYS 324 1500 480000 19. FEMALE HOUSEHOLD INCOME FEMALE HOUSEHOLD INCOME: Please estimate, what are the total income of all the female workers in the household in the last 30 days? Enter in Ethiopian Birr. 324 150000 20: On a typical day, how many hours per day do you spend on wprk for pay On a typical day, how many hours do you spend on work for pay, in business, farming or other activities to generate income? 324 15 21: On a typical day, how many hours per day do you spend on care activities On a typical day, how many hours per day do you spend on care activities for family members and household chores (including cooking, cleaning and washing)? 324 15 22: On a typical day, how many hours does your spouse spend on work for pay On a typical day, how many hours does your spouse spend on work for pay, in business, farming or other activities to generate income? 214 110 16 23: On a typical day, how many hours per day does your spouse spend on care On a typical day, how many hours per day does your spouse spend on care activities for family members and household chores (including cooking, cleaning and washing)? 214 110 8 24: If a woman earns more money than her husband, it’s certain to cause problems Do you agree or disagree with the following statement? "If a woman earns more money than her husband, it’s almost certain to cause problems“ 324 1 No 1 Yes 25. Out of 10 of your neighbors, how many agree with the statement? Out of 10 of your neighbors, how many do you think believe that if a woman earns more money than her husband, it’s almost certain to cause problems? 324 10 NAME OF THE ENTERPRISE registered with the WEDP program Please write the NAME OF THE ENTERPRISE 324 Business sector Please write the NAME OF the business sector 324 Business Area Name Please write the business area Name 324 1: Is this ${enterprise_name} in ${sector} still in operation? Is this {WEDP Enterprise} in {SECTOR} still in operation? 324 1 3 1 Yes, open as usual 2 Yes, in operation but temporarily closed 3 No, closed permanently Days How long ago did you close this business? Days 100 224 -99 26 Months How long ago did you close this business? Months 100 224 11 Years How long ago did you close this business? Years 100 224 7 3: What was the main reason you closed the business ${enterprise_name}? What was the main reason you closed the business? [DO NOT PROMPT. LISTEN AND THEN CODE MOST APPLICABLE] 324 Reason Business closed: Coronavirus legislation nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Found job nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Inadequate funds nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Not enough customers nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Too much competition nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Not the right skills nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Could not manage finances nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Started another business nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Sold business nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Stay home for care duties nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Supplier problems nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: A family member took over nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Owner was ill nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Pregnancy or new baby nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Damaged due to political unrest nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Uncertainty due to political climate nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Disaster that destroyed business nan 100 224 1 No 1 Yes Sysmiss Reason Business closed: Other reason nan 100 224 1 No 1 Yes Sysmiss 3: Specify, What was the main reason you closed the business? Specify, What was the main reason you closed the business? 324 Reason is coronavirus Enumerator Instruction:Do not ask but please select if the reason given in Qu 100 224 1 2 1 Yes, reason given referenced the coronavirus threat 2 No, reason given did not reference the coronavirus threat Sysmiss 5a: What is your first main economic activity now? What is your main economic activity now? 324 1 12 1 Still working in original WEDP Business 2 Employed for a wage in the same sector 3 Employed for a wage in a different sector 4 Started another business in the same sector 5 Started another business in a different sector 8 Unemployed/just staying at home and rely on my spouse’s income 9 Unemployed/just staying at home and rely on my parents/relatives’ income 10 I do piece/seasonal work 12 Other, specify 5a: Specify, What is your first main economic activity now? Specify, What is your first main economic activity now? 324 5b: What is your second main economic activity now? What is your main economic activity now? 324 -77 11 -77 I have no other activity 3 Employed for a wage in a different sector 4 Started another business in the same sector 5 Started another business in a different sector 8 Unemployed/just staying at home and rely on my spouse’s income 11 Studying 5c: What is your third main economic activity now? What is your main economic activity now? 37 287 -77 -77 -77 I have no other activity Sysmiss 5e: What is your fifth main economic activity now? If doing more than one activi 1 323 -77 -77 -77 I have no other activity Sysmiss 6: What is the main reason that you are no longer operating a business? What is the main reason that you are no longer operating a business? 59 265 1 9 1 Low earnings in business 2 Higher earnings elsewhere 4 Risk in business 6 Childcare 8 COVID closed business (business was suitable before COVID) 9 Other Sysmiss 6: Specify, What is the main reason that you are no longer operating a business? Specify, What is the main reason that you are no longer operating a business? 324 7: Is this ${enterprise_name} your main current business? Is this ${enterprise_name} your main current business? 265 59 1 No 1 Yes Sysmiss What is the name of your main business? 324 8: What is the address of your main enterprise? City What is the address of your main enterprise? City 265 59 1 8 8: What is the address of your main enterprise? Sub-city What is the address of your main enterprise? Sub-city 1 323 9 9 8: What is the address of your main enterprise? Woreda What is the address of your main enterprise? Woreda 1 323 99 99 8: a. In which subcity is your business located in(ADAMA) In which subcity is your business located in(ADAMA) 238 86 1 6 8: b. In which Kebele is your business located in(ADAMA) In which Kebele is your business located in(ADAMA) 238 86 1 23 9: What is the common name of the area where your main business is situated? 324 10: Please give directions to find your enterprise. 324 11: In which industry does your main business operate? In which industry does your main business operate? 265 59 1 5 1 Manufacturing 2 Construction 3 Trade 4 Services 5 Agriculture Sysmiss What type of business do you have? What type of business do you have? If your business operations are a mixture of two categories, choose the one category that generates the largest share of your revenues. 265 59 1 2 1 Wholesaler / I sell mostly to other businesses 2 Retailer / I sell mostly to end consumers Sysmiss 13: What is your sub-sector of operation? What is your sub-sector of operation? 265 59 -77 31 -77 No secondary line of business or operation 1 Textile and garment manufacturing 3 Intermediate food/bev. products production 5 Wood works 6 Building materials manufacturing 9 Wholesale 10 Retail 11 Small transport services 12 Café and restaurants 14 Tourism services 16 Business services 17 Staffing/outsourcing services 21 Maintenance services (non-automobile) 23 Beauty salon 25 Interior design/decorating services 27 Cleaning services (non-laundry) 28 Laundry services 29 Modern livestock rearing 31 Poultry Sysmiss 13: Specify, What is your sub-sector of operation? Specify, What is your sub-sector of operation? 324 Years How many years has your main business been in operation for? 265 59 28 Months How many months has your main business been in operation for? 265 59 11 15: What was the primary reason that you started or joined this business? What was the primary reason that you started or joined this business? 265 59 1 15 1 Household needed additional money 2 Wanted to make more money 3 Did not have a better wage alternative 4 Lost previous job 5 Wanted to continue family business 6 Previous experience as a worker in this sector 7 Previous experience as an apprentice in this sector 8 I took a related training course 9 Received subsidy to set up business 10 Low capital requirements 11 Allows me to balance family and work life 12 Saw a market opportunity 13 Wanted to be my own boss/have own business 14 Previous business not successful 15 Wanted to benefit from my hobby Sysmiss 16: How many businesses have you owned in your life? How many businesses have you owned in your life? 265 59 1 15 17: For how many years have you been a business owner – this means, for how many For how many years have you been a business owner – this means, for how many years have you been self-employed? (in general, not only restricted to the current business) 265 59 0.30000001192092896 30 18: Please select your relationship to the current main business Please select your relationship to the current main business 265 59 1 3 1 Business owner only 2 Business manager only 3 Both Sysmiss 19: Is this business owned by you, someone else, or you together with somebody e Is this business owned by you, someone else, or you together with somebody e 265 59 1 3 1 Single Owner – Self 2 Single Owner – Other 3 Joint Owner Sysmiss 20: What percentage of this main business do you own? What percentage of this main business do you own? 15 309 25 85 21: Who is the main owner of this business? Who is the main owner of this business? 265 59 1 3 1 Self 2 Spouse/domestic partner 3 Own Relative Sysmiss 22: What is the gender of the main business owner? What is the gender of the main business owner? 265 59 1 2 1 Male 2 Female Sysmiss Max amount able to borrow in 2 weeks If you’re suddenly faced with an unexpected situation and you need money in 2 weeks for your business, what is the maximum amount of money that you would be able to borrow? (in Birr) 265 59 1000000 Where would you borrow from? - 1st pick If you’re faced with that situation of needing that money in 2 weeks for your business, where would you be able to borrow it? (Do not read responses, list two sources in order of importance) 265 59 1 14 1 Husband/ partner 2 Family member or friend 4 Moneylender 7 Cooperative 8 Supplier/ Retailer/ Store 9 Iqqub 10 MFI 11 Bank 12 Own Personal Savings or reserves 13 Other(please specify) 14 No source Sysmiss 24: Specify, If you’re faced with that situation of needing that money in 2 week Specify, If you’re faced with that situation of needing that money in 2 week 324 Where would you borrow from? - 2nd pick If you’re faced with that situation of needing that money in 2 weeks for your business, where would you be able to borrow it? (Do not read responses, list two sources in order of importance) 245 79 1 14 1 Husband/ partner 2 Family member or friend 3 Other business 7 Cooperative 8 Supplier/ Retailer/ Store 9 Iqqub 10 MFI 11 Bank 12 Own Personal Savings or reserves 13 Other(please specify) 14 No source Sysmiss 24: Specify, If you’re faced with that situation of needing that money in 2 week Specify, If you’re faced with that situation of needing that money in 2 week 324 25: What is the total profits your main business earned in the year 2013 (in ETB What is the total profits your main business earned in the year 2013 (in ETB 265 59 -400000 1200000 26: Do sales show a seasonal pattern? Do sales show a seasonal pattern? 324 Do sales show a seasonal pattern:Highest during rainy season Do sales show a seasonal pattern:Highest during rainy season 265 59 1 No 1 Yes Sysmiss Do sales show a seasonal pattern:Highest after rainy season Do sales show a seasonal pattern:Highest after rainy season 265 59 1 No 1 Yes Sysmiss Do sales show a seasonal pattern:Lowest during rainy season Do sales show a seasonal pattern:Lowest during rainy season 265 59 1 No 1 Yes Sysmiss Do sales show a seasonal pattern:Highest before rainy season Do sales show a seasonal pattern:Highest before rainy season 265 59 1 No 1 Yes Sysmiss Do sales show a seasonal pattern:Lowest after rainy season Do sales show a seasonal pattern:Lowest after rainy season 265 59 1 No 1 Yes Sysmiss Do sales show a seasonal pattern:Highest in holiday season Do sales show a seasonal pattern:Highest in holiday season 265 59 1 No 1 Yes Sysmiss Do sales show a seasonal pattern:Other pattern Do sales show a seasonal pattern:Other pattern 324 1 No 1 Yes Do sales show a seasonal pattern:No pattern Do sales show a seasonal pattern:No pattern 265 59 1 No 1 Yes Sysmiss 26: Specify, Do sales show a seasonal pattern? Specify, Do sales show a seasonal pattern? 324 27: What were the main business’ total SALES in the last 30 days? By this we mea What were the main business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).  265 59 2400000 28. Sales change over the last year Comparing your main business sales for the last 30 days (in 2021) with the same month last year (in 2020), are your sales? 265 59 1 4 1 Higher than last year 2 Same as last year 3 Lower than last year 4 Business was not in operation last year Sysmiss 29: What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the overall expenses made in the business in Ethiopian Birr, including salaries. 265 59 20200000 30: What were the approximate amounts spent on Salaries of workers in the last 3 What were the approximate amounts spent just on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0" 265 59 75000 31: Outside of any regular fixed salary, how much did you take from business rev Outside of any regular fixed salary, how much did you take from business revenues for personal/household expenses in the past month (in Birr)? 265 59 100000 32: What are the PROFITS received from your main business in the past 30 days? ( What are the PROFITS received from your main business in the past 30 working days? (I.e. the total income your business earned after paying all expenses in your business including the wages of employees)? 265 59 -4550000 170000 33: ASSETS: How much would you estimate is the value of your main businesses’ as ASSETS: How much would you estimate is the value of your main businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)? 265 59 1660 9000000 34: Do you own any equipment or machinery in your main business? Do you own any equipment or machinery in your main business? 265 59 1 No 1 Yes Sysmiss 35: CAPITAL STOCK What is the replacement value of all your owned equipment and CAPITAL STOCK What is the replacement value of all your owned equipment and machinery (in Birr)? 250 74 1100 5000000 36: CAPITAL STOCK Do you currently rent out equipment and machinery? CAPITAL STOCK Do you currently rent equipment and machinery? 250 74 1 No 1 Yes Sysmiss 37: CAPITAL STOCK What is the replacement value of all your rented out equipment CAPITAL STOCK What is the replacement value of all your rented equipment and machinery (in Birr) 5 319 5000 50000 38: Does your business have any inventory stocks? (That is, final goods for sale Does your business have any inventory stocks? (That is, final goods for sale) 265 59 1 No 1 Yes Sysmiss 39: INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of final goods for sale that you have currently in stock (in Birr)? By stock, I mean all those goods your business owns at the moment. If respondent does not understand the question: How many Birr would you get if you would sell all these goods for sale? 193 131 500 8700000 40: Does your business use any RAW MATERIALS? (i.e. product components and raw m Does your business use any RAW MATERIALS? (i.e. product components and raw materials used to manufacture the final goods) 265 59 1 No 1 Yes Sysmiss 41: RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of y RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of your current additional stocks? By additional stocks, I mean product components and raw material you need for your product, goods in production and spare parts that are currently part of your business. If respondent does not understand the question: How many Birr would you get if you would sell all these items? 74 250 500 200000 42. What were sales pre-COVID? During regular operations, before the coronavirus (COVID-19) pandemic began, what were your average monthly SALES for your main business? 265 59 -77 20000000 43: When this business first started, where did most of the start-up capital for When this business first started, where did most of the start-up capital for this business come from? 324 Startup capital came from:own savings Startup capital came from:own savings 265 59 1 No 1 Yes Sysmiss Startup capital came from:spouse's savings Startup capital came from:spouse's savings 265 59 1 No 1 Yes Sysmiss Startup capital came from:ROSACA type savings Startup capital came from:ROSACA type savings 265 59 1 No 1 Yes Sysmiss Startup capital came from:Family inheritance Startup capital came from:Family inheritance 265 59 1 No 1 Yes Sysmiss Startup capital came from:Remittance Startup capital came from:Remittance 265 59 No Sysmiss Startup capital came from:Gift from relatives Startup capital came from:Gift from relatives 265 59 1 No 1 Yes Sysmiss Startup capital came from:NGO assistance Startup capital came from:NGO assistance 265 59 No Sysmiss Startup capital came from:Govt assistance Startup capital came from:Govt assistance 265 59 No Sysmiss Startup capital came from:Loan from parents Startup capital came from:Loan from parents 265 59 1 No 1 Yes Sysmiss Startup capital came from:Loan from siblings Startup capital came from:Loan from siblings 265 59 1 No 1 Yes Sysmiss Startup capital came from:Loan from friends Startup capital came from:Loan from friends 265 59 1 No 1 Yes Sysmiss Startup capital came from:Loan from other businesses Startup capital came from:Loan from other businesses 265 59 No Sysmiss Startup capital came from:Loan from informal money lender Startup capital came from:Loan from informal money lender 265 59 No Sysmiss Startup capital came from:Loan from MFI Startup capital came from:Loan from MFI 265 59 1 No 1 Yes Sysmiss Startup capital came from:Loan from banks Startup capital came from:Loan from banks 265 59 1 No 1 Yes Sysmiss Startup capital came from:Other Startup capital came from:Other 265 59 1 No 1 Yes Sysmiss Startup capital came from:Don't know Startup capital came from:Don't know 265 59 No Sysmiss 44: How much was the starting capital for the main business (includes equipment How much was the starting capital for the main business (includes equipment and machinery used to start the business).? (in Birr) 265 59 600 800000 45: How many employees does this business have? (Full-time + part-time + tempora How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0". 265 59 50 46: How many employees has this business HIRED in the past 12 months? How many employees has this business HIRED in the past 12 months? 265 59 15 47: How many employees have LEFT this business in the past 12 months? How many employees have LEFT this business in the past 12 months? 265 59 10 47.a: How many employees were FIRED from this business in the past 12 months? How many employees were FIRED from this business in the past 12 months? 265 59 15 48: What was the most important reason for worker departure in the past 12 month What was the most important reason for worker departure in the past 12 months? 92 232 1 7 1 Dismissal/poor performance 2 Worker found another job 3 Business could not afford 4 Worker sickness 5 Worker death 6 Work is seasonal 7 Other (please specify) Sysmiss 48: Specify, What was the most important reason for worker departure in the past Specify, What was the most important reason for worker departure in the past 324 49: How many hours do you personally work for your business in a typical week? ( How many hours do you personally work for your business in a typical week? (includes all business related activities) 265 59 105 50: Has the amount of hours that you work in the business per week changed over Has the amount of hours that you work in the business per week changed over the last two years? 265 59 1 3 1 Hours have increased 2 Hours have decreased 3 Hours have stayed the same Sysmiss 51: Do you have written contracts for your employees? (Any of them.) Do you have written contracts for your employees? (Any of them.) 265 59 1 No 1 Yes Sysmiss 52: How many of your employees are from another owners' family? How many of your employees are from another owners' family? 15 309 2 53: How many of your employees are unpaid? How many of your employees are unpaid? 265 59 -77 4 54: How many of your employees are part-time workers? How many of your employees are part-time workers? 265 59 -77 4 55: How many hours in a day do your employees typically work on average? How many hours in a day do your employees typically work on average? 265 59 -77 15 56: How many days in the week do your employees typically work on average? How many days in the week do your employees typically work on average? 265 59 -77 7 57: Do you keep financial records or accounts for this business? Do you keep financial records or accounts for this business? 265 59 1 No 1 Yes Sysmiss 58: Has your business advertised/ have you made people aware of your business th Has your business advertised/ have you made people aware of your business through any of these methods? Please select all that apply. 324 Advertised business using:Newspaper/magazine/billboard Advertised business using:Newspaper/magazine/billboard 265 59 1 No 1 Yes Sysmiss Advertised business using:Business cards/flyers Advertised business using:Business cards/flyers 265 59 1 No 1 Yes Sysmiss Advertised business using:Loud speakers Advertised business using:Loud speakers 265 59 1 No 1 Yes Sysmiss Advertised business using:Brokers Advertised business using:Brokers 265 59 1 No 1 Yes Sysmiss Advertised business using:Online Advertised business using:Online 265 59 1 No 1 Yes Sysmiss Advertised business using:Other,specify Advertised business using:Other,specify 265 59 1 No 1 Yes Sysmiss Advertised business using:None Advertised business using:None 265 59 1 No 1 Yes Sysmiss 58: Specify, Has your business advertised/ have you made people aware of your bu Specify, Has your business advertised/ have you made people aware of your bu 324 59: Which of the following digital tools and services do you use for your busine Which of the following digital tools and services do you use for your business [Note online includes websites and social media]? (Select all that apply) 324 Digital tool used:None Digital tool used:None 265 59 1 No 1 Yes Sysmiss Digital tool used:Sell products online Digital tool used:Sell products online 265 59 1 No 1 Yes Sysmiss Digital tool used:Buy inputs online Digital tool used:Buy inputs online 265 59 1 No 1 Yes Sysmiss Digital tool used:Accept electronic payments Digital tool used:Accept electronic payments 265 59 1 No 1 Yes Sysmiss Digital tool used:Use a POS terminal in the business Digital tool used:Use a POS terminal in the business 265 59 1 No 1 Yes Sysmiss Digital tool used:Advertise online Digital tool used:Advertise online 265 59 1 No 1 Yes Sysmiss Digital tool used:Other Digital tool used: Other 265 59 1 No 1 Yes Sysmiss 60a: What is the top first challenges that you face in this business? Top 1 chal What are the top three challenges (in order of importance) that you face in this business? (Do not read the responses) 265 59 1 41 1 Finding right staff 2 Retaining staff 3 Low demand 4 Demand exist but difficult to attract customers 5 Customer care 7 Too much competition 8 Low technical skills and experience 10 Finding right suppliers 11 Poor quality inputs 12 Finding a location/premises 13 Managing budget 14 Accessing credit 17 Legal environment 18 Confiscation or destroying of property by authorities 19 Taxes 20 Prohibitive rent 22 Balancing home and work life or separating household an business affairs 25 Finding larger markets 30 Security and theft prevention (premises, products) 33 Infrastructure and utilities (electricity, water, gas) 35 Corrupt and bribes 37 Macroeconomic conditions (inflation, exchange rate, etc.) 41 Other, specify Sysmiss 60a: Specify, What is the top first challenges that you face in this business? T Specify, What is the top first challenges that you face in this business? T 324 60b: What is the top second challenges that you face in this business? Top 2 cha What are the top three challenges (in order of importance) that you face in this business? (Do not read the responses) 265 59 -77 37 -77 No other challenge 1 Finding right staff 2 Retaining staff 3 Low demand 4 Demand exist but difficult to attract customers 5 Customer care 6 Getting customers to pay on time 7 Too much competition 8 Low technical skills and experience 9 Compiling a business plan 10 Finding right suppliers 11 Poor quality inputs 12 Finding a location/premises 14 Accessing credit 17 Legal environment 18 Confiscation or destroying of property by authorities 19 Taxes 20 Prohibitive rent 22 Balancing home and work life or separating household an business affairs 23 Distribution/delivery of products to customers 25 Finding larger markets 26 Limited resources to pay employee salaries 27 Lack of equipment and inputs 28 Storages 30 Security and theft prevention (premises, products) 33 Infrastructure and utilities (electricity, water, gas) 35 Corrupt and bribes 37 Macroeconomic conditions (inflation, exchange rate, etc.) Sysmiss 60b: Specify, What is the top second challenges that you face in this business? Specify, What is the top second challenges that you face in this business? 324 60c: What is the top third challenges that you face in this business? Top 3 chal What are the top three challenges (in order of importance) that you face in this business? (Do not read the responses) 249 75 -77 39 -77 No other challenge 1 Finding right staff 2 Retaining staff 3 Low demand 4 Demand exist but difficult to attract customers 5 Customer care 7 Too much competition 8 Low technical skills and experience 10 Finding right suppliers 11 Poor quality inputs 12 Finding a location/premises 13 Managing budget 14 Accessing credit 17 Legal environment 18 Confiscation or destroying of property by authorities 19 Taxes 20 Prohibitive rent 22 Balancing home and work life or separating household an business affairs 23 Distribution/delivery of products to customers 24 Other transport issues 25 Finding larger markets 27 Lack of equipment and inputs 29 Spoilage 30 Security and theft prevention (premises, products) 31 Personal security 33 Infrastructure and utilities (electricity, water, gas) 35 Corrupt and bribes 36 Networking 37 Macroeconomic conditions (inflation, exchange rate, etc.) 39 Floods, landslides, and other natural disasters Sysmiss 1: Do you manage or own any other businesses? Do you manage or own any other businesses? 324 1 No 1 Yes 1.a: How many other business do you mange or own? How many other business do you mange or own? 37 287 1 2 2: In which industry does your other business operate? In which industry does your other business operate? 37 287 1 5 1 Manufacturing 3 Trade 4 Services 5 Agriculture Sysmiss 3: What type of business do you have? If your business operations are a mixture What type of business do you have? If your business operations are a mixture of two categories, choose the one category that generates the largest share of your revenues. 37 287 1 2 1 Wholesaler / I sell mostly to other businesses 2 Retailer / I sell mostly to end consumers Sysmiss 4: What is your sub-sector of operation? What is your sub sector of operation? 37 287 -77 35 -77 No secondary line of busness 3 Intermediate food/bev. products production 4 Metal works and engineering 6 Building materials manufacturing 10 Retail 11 Small transport services 12 Café and restaurants 16 Business services 17 Staffing/outsourcing services 25 Interior design/decorating services 26 Communications services 27 Cleaning services (non-laundry) 28 Laundry services 33 Vegetables and fruits 35 Other Sysmiss 4: Specify, What is your sub-sector of operation? Specify, What is your sub-sector of operation? 324 Years How many years has your business been in operation for? 37 287 14 Months How many months has your business been in operation for? 37 287 10 6: What was the primary reason that you started or joined this business ${busin What was the primary reason that you started or joined this business? [DO NOT PROMPT. LISTEN AND THEN CODE THE OPTION(S) THAT MOST APPLY.] 324 Started business because of:Household needed money What was the primary reason that you started or joined this business: Household needed money 37 287 1 No 1 Yes Sysmiss Started business because of:Wanted to make more money What was the primary reason that you started or joined this business: Wanted to make more money 37 287 1 No 1 Yes Sysmiss Started business because of:Did not have a better wage alternative What was the primary reason that you started or joined this business: Did not have a better wage alternative 37 287 1 No 1 Yes Sysmiss Started business because of:Lost previous job What was the primary reason that you started or joined this business: Lost previous job 37 287 1 No 1 Yes Sysmiss Started business because of:Wanted to continue family business What was the primary reason that you started or joined this business: Wanted to continue family business 37 287 1 No 1 Yes Sysmiss Started business because of:Previous experience as a worker inthis sector What was the primary reason that you started or joined this business: Previous experience as a worker in this sector 37 287 1 No 1 Yes Sysmiss Started business because of:Previous experience as an apprentice inthis sector What was the primary reason that you started or joined this business: Previous experience as an apprentice in this sector 37 287 No Sysmiss Started business because of:I took a related training course What was the primary reason that you started or joined this business: I took a related training course 37 287 No Sysmiss Started business because of:Received subsidy to start business What was the primary reason that you started or joined this business:Received subsidy to start business 37 287 No Sysmiss Started business because of:Local captital requirements What was the primary reason that you started or joined this business: Local capital requirements 37 287 1 No 1 Yes Sysmiss Started business because of: Allows work life balance What was the primary reason that you started or joined this business: Allows work life balance 37 287 1 No 1 Yes Sysmiss Started business because of:Saw a market opportunity What was the primary reason that you started or joined this business: Saw a market opportunity 37 287 1 No 1 Yes Sysmiss Started business because of:Wanted to be my own boss What was the primary reason that you started or joined this business: Wanted to be my own boss 37 287 1 No 1 Yes Sysmiss Started business because of:Previous business not successful What was the primary reason that you started or joined this business: Previous business not successful 37 287 1 No 1 Yes Sysmiss Started business because of:Wanted to benefit from my hobby What was the primary reason that you started or joined this business: Wanted to benefit from my hobby 37 287 1 No 1 Yes Sysmiss Started business because of:Post retirement source of income What was the primary reason that you started or joined this business: Post retirement source of income 37 287 No Sysmiss Started business because of:Other What was the primary reason that you started or joined this business: Other 37 287 No Sysmiss 7: Is there a relationship or strategy between this ${business_name} business a Is there a relationship or strategy between this business and your main business? 37 287 1 6 1 Yes, seasonality of labor/sales is different 2 Yes, one business provides inputs to another 3 Yes, one business provides clients to another 4 Yes, can implement knowledge from one business to another 6 No Sysmiss 8: Please select your relationship to this ${business_name} business: Please select your relationship to this business: 37 287 1 3 1 Business owner only 3 Both Sysmiss 9: Is this ${business_name} business owned by you, someone else, or you togethe Is this business owned by you, someone else, or you together with somebody else? 37 287 1 3 1 Single Owner – Self 3 Joint Owner Sysmiss 10: What percentage of the ${business_name} business do you own? What percentage of the business do you own? 3 321 50 85 11: Who is the main owner of this ${business_name} business? Who is the main owner of this business? 37 287 1 1 1 Self Sysmiss 12: What is the gender of the main business ${business_name} owner? What is the gender of the main business owner? 37 287 2 2 2 Female Sysmiss 13: What is the total profits your business ${business_name} earned in the year What is the total profits your business earned in the year 2013 (in ETB): 37 287 -150000 770000 14: Do sales show a seasonal pattern? Do sales show a seasonal pattern? 324 Do sales show a seasonal pattern: Highest during rainy season Do sales show a seasonal pattern: Highest during rainy season 37 287 1 No 1 Yes Sysmiss Do sales show a seasonal pattern: Highest after rainy season Do sales show a seasonal pattern: Highest after rainy season 37 287 1 No 1 Yes Sysmiss Do sales show a seasonal pattern: Lowest during rainy season Do sales show a seasonal pattern: Lowest during rainy season 37 287 1 No 1 Yes Sysmiss Do sales show a seasonal pattern: Highest before rainy season Do sales show a seasonal pattern: Highest before rainy season 37 287 1 No 1 Yes Sysmiss Do sales show a seasonal pattern: Lowest after rainy season Do sales show a seasonal pattern: Lowest after rainy season 37 287 No Sysmiss Do sales show a seasonal pattern: Highest during holiday season Do sales show a seasonal pattern: Highest during holiday season 37 287 1 No 1 Yes Sysmiss Do sales show a seasonal pattern: Other pattern Do sales show a seasonal pattern: Other pattern 37 287 1 No 1 Yes Sysmiss Do sales show a seasonal pattern: No pattern Do sales show a seasonal pattern: No pattern 37 287 1 No 1 Yes Sysmiss 14: Specify, Do sales show a seasonal pattern? Specify, Do sales show a seasonal pattern? 324 15: What were the business’ ${business_name} total SALES in the last 30 days? B What were the business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).  37 287 120000 16: Comparing your ${business_name} business sales for the last 30 days (in 202 Comparing your main business sales for the last 30 days (in 2021) with the same month last year (in 2020), are your sales? 37 287 1 4 1 Higher than last year 2 Same as last year 3 Lower than last year 4 Business was not in operation last year Sysmiss 17: What were the ${business_name} business’ total COSTS in the LAST 30 DAYS? B What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the overall expenses made in the business in Ethiopian Birr, including salaries. 37 287 80000 18: What were the approximate amounts spent just on Salaries of Workers in the l What were the approximate amounts spent just on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0" 37 287 19500 19: Outside of any regular fixed salary, how much did you take from ${business_ Outside of any regular fixed salary, how much did you take from business revenues for personal/household expenses in the past month (in Birr)? 37 287 8340 20: What are the PROFITS received from your ${business_name} business in the pa What are the PROFITS received from your business in the past 30 working days? (i.e. the total income your business earned after paying all expenses in your business including the wages of employees)? 37 287 -5000 50000 21: ASSETS: How much would you estimate is the value of your ${business_name} b ASSETS: How much would you estimate is the value of your businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)? 37 287 5000 3555000 22: Do you own any equipment or machinery in your ${business_name} business? Do you own any equipment or machinery in your main business? 37 287 1 No 1 Yes Sysmiss 23: CAPITAL STOCK What is the replacement value of all your owned equipment and CAPITAL STOCK What is the replacement value of all your owned equipment and machinery (in Birr)? 33 291 2000 3500000 24: CAPITAL STOCK Do you currently rent out equipment and machinery? CAPITAL STOCK Do you currently rent equipment and machinery? 33 291 No Sysmiss 26: Does your ${business_name} business have any inventory stocks? (That is, fi Does your business have any inventory stocks? (That is, final goods for sale) 37 287 1 No 1 Yes Sysmiss 27: INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of final goods for sale that you have currently in stock (in Birr)? By stock, I mean all those goods your business owns at the moment. If respondent does not understand the question: How many Birr would you get if you would sell all these goods for sale? 22 302 1000 1000000 28: Does your ${business_name} business use any RAW MATERIALS? (i.e. product co Does your business use any RAW MATERIALS? (i.e. product components and raw materials used to manufacture the final goods) 37 287 1 No 1 Yes Sysmiss 29: RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS:What is the value of yo RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of your current additional stocks? By additional stocks, I mean product components and raw material you need for your product, goods in production and spare parts that are currently part of your business. If respondent does not understand the question: How many Birr would you get if you would sell all these items? 12 312 300 420000 30. What were sales pre-COVID? During regular operations, before the coronavirus (COVID-19) pandemic began, what were your average monthly SALES for your main business? 37 287 -77 240000 31: When this ${business_name} business first started, where did most of the st When this business first started, where did most of the start-up capital for this business come from? 324 Startup capital came from:own savings When this business first started, where did most of the start-up capital for this business come from: Own savings 37 287 1 No 1 Yes Sysmiss Startup capital came from:spouse's savings When this business first started, where did most of the start-up capital for this business come from: Spouse's savings 37 287 1 No 1 Yes Sysmiss Startup capital came from:ROSACA type savings When this business first started, where did most of the start-up capital for this business come from: Equb or ROSACA type savings 37 287 No Sysmiss Startup capital came from:Family inheritance When this business first started, where did most of the start-up capital for this business come from: Family inheritance 37 287 1 No 1 Yes Sysmiss Startup capital came from:Remittance When this business first started, where did most of the start-up capital for this business come from: Remittance 37 287 No Sysmiss Startup capital came from:Gift from relatives When this business first started, where did most of the start-up capital for this business come from: Gifts from friends and family 37 287 1 No 1 Yes Sysmiss Startup capital came from:NGO assistance When this business first started, where did most of the start-up capital for this business come from: Financial assitance from NGO 37 287 No Sysmiss Startup capital came from:Govt assistance When this business first started, where did most of the start-up capital for this business come from: Financial assistance from government agencies 37 287 1 No 1 Yes Sysmiss Startup capital came from:Loan from parents When this business first started, where did most of the start-up capital for this business come from: Loan from parents 37 287 No Sysmiss Startup capital came from:Loan from siblings When this business first started, where did most of the start-up capital for this business come from: Loan from siblings 37 287 No Sysmiss Startup capital came from:Loan from friends When this business first started, where did most of the start-up capital for this business come from: Loan from friends and family 37 287 1 No 1 Yes Sysmiss Startup capital came from:Loan from other businesses When this business first started, where did most of the start-up capital for this business come from: Loan from other business 37 287 No Sysmiss Startup capital came from:Loan from informal money lender When this business first started, where did most of the start-up capital for this business come from: Loan from money lenders 37 287 No Sysmiss Startup capital came from:Loan from MFI When this business first started, where did most of the start-up capital for this business come from: Loan from microfinance institutions 37 287 1 No 1 Yes Sysmiss Startup capital came from:Loan from banks When this business first started, where did most of the start-up capital for this business come from: Loan from banks 37 287 1 No 1 Yes Sysmiss Startup capital came from:Other When this business first started, where did most of the start-up capital for this business come from: Other 37 287 No Sysmiss Startup capital came from:Don't know When this business first started, where did most of the start-up capital for this business come from: Don't know 37 287 No Sysmiss 32: How much was the starting capital for the ${business_name} business (includ How much was the starting capital for the main business (includes equipment and machinery used to start the business).? (in Birr) 37 287 250 1300000 33: How many employees does this ${business_name} business have? (Full-time + p How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0". 37 287 11 34: How many employees has this ${business_name} business HIRED in the past 12 How many employees has this business HIRED in the past 12 months? 37 287 8 35: How many employees have LEFT this ${business_name} business in the past 12 How many employees have LEFT this business in the past 12 months? 37 287 6 36: What was the most important reason for worker departure in the past 12 month What was the most important reason for worker departure in the past 12 months? 13 311 1 7 1 Dismissal/poor performance 2 Worker found another job 3 Business could not afford 7 Other (please specify) Sysmiss 36: Specify, What was the most important reason for worker departure in the past Specify, What was the most important reason for worker departure in the past 324 37: How many hours do you personally work for your ${business_name} business in How many hours do you personally work for your business in a typical week? (includes all business related activities) 37 287 84 38: Has the amount of hours that you work in the ${business_name} business per Has the amount of hours that you work in the business per week changed over the last two years? 37 287 1 3 1 Hours have increased 2 Hours have decreased 3 Hours have stayed the same Sysmiss 2: In which industry does your other business operate? In which industry does your other business operate? 1 323 4 4 4 Services Sysmiss 3: What type of business do you have? If your business operations are a mixture What type of business do you have? If your business operations are a mixture of two categories, choose the one category that generates the largest share of your revenues. 1 323 2 2 2 Retailer / I sell mostly to end consumers Sysmiss 4: What is your sub-sector of operation? What is your sub sector of operation? 1 323 16 16 16 Business services Sysmiss Years How many years has your business been in operation for? 1 323 4 4 Months How many months has your business been in operation for? 1 323 11 11 6: What was the primary reason that you started or joined this business ${busin What was the primary reason that you started or joined this business? [DO NOT PROMPT. LISTEN AND THEN CODE THE OPTION(S) THAT MOST APPLY.] 324 Started business because of:Household needed money What was the primary reason that you started or joined this business: Household needed money 1 323 No Sysmiss Started business because of:Wanted to make more money What was the primary reason that you started or joined this business: Wanted to make more money 1 323 No Sysmiss Started business because of:Did not have a better wage alternative What was the primary reason that you started or joined this business: Did not have a better wage alternative 1 323 No Sysmiss Started business because of:Lost previous job What was the primary reason that you started or joined this business: Lost previous job 1 323 No Sysmiss Started business because of:Wanted to continue family business What was the primary reason that you started or joined this business: Wanted to continue family business 1 323 No Sysmiss Started business because of:Previous experience as a worker inthis sector What was the primary reason that you started or joined this business: Previous experience as a worker in this sector 1 323 No Sysmiss Started business because of:Previous experience as an apprentice inthis sector What was the primary reason that you started or joined this business: Previous experience as an apprentice in this sector 1 323 No Sysmiss Started business because of:I took a related training course What was the primary reason that you started or joined this business: I took a related training course 1 323 No Sysmiss Started business because of:Received subsidy to start business What was the primary reason that you started or joined this business:Received subsidy to start business 1 323 No Sysmiss Started business because of:Local captital requirements What was the primary reason that you started or joined this business: Local capital requirements 1 323 No Sysmiss Started business because of: Allows work life balance What was the primary reason that you started or joined this business: Allows work life balance 1 323 No Sysmiss Started business because of:Saw a market opportunity What was the primary reason that you started or joined this business: Saw a market opportunity 1 323 1 1 1 Yes Sysmiss Started business because of:Wanted to be my own boss What was the primary reason that you started or joined this business: Wanted to be my own boss 1 323 No Sysmiss Started business because of:Previous business not successful What was the primary reason that you started or joined this business: Previous business not successful 1 323 No Sysmiss Started business because of:Wanted to benefit from my hobby What was the primary reason that you started or joined this business: Wanted to benefit from my hobby 1 323 1 1 1 Yes Sysmiss Started business because of:Post retirement source of income What was the primary reason that you started or joined this business: Post retirement source of income 1 323 No Sysmiss Started business because of:Other What was the primary reason that you started or joined this business: Other 1 323 No Sysmiss 7: Is there a relationship or strategy between this ${business_name} business a Is there a relationship or strategy between this business and your main business? 1 323 2 2 2 Yes, one business provides inputs to another Sysmiss 8: Please select your relationship to this ${business_name} business: Please select your relationship to this business: 1 323 3 3 3 Both Sysmiss 9: Is this ${business_name} business owned by you, someone else, or you togethe Is this business owned by you, someone else, or you together with somebody else? 1 323 1 1 1 Yes Sysmiss 11: Who is the main owner of this ${business_name} business? 11: Who is the main owner of this ${business_name} business? 1 323 1 1 1 Self Sysmiss 12: What is the gender of the main business ${business_name} owner? What is the gender of the main business owner? 1 323 2 2 2 Female Sysmiss 13: What is the total profits your business ${business_name} earned in the year What is the total profits your business earned in the year 2013 (in ETB): 1 323 573600 573600 14: Do sales show a seasonal pattern? Do sales show a seasonal pattern? 324 Do sales show a seasonal pattern: Highest during rainy season Do sales show a seasonal pattern: Highest during rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Highest after rainy season Do sales show a seasonal pattern: Highest after rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Lowest during rainy season Do sales show a seasonal pattern: Lowest during rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Highest before rainy season Do sales show a seasonal pattern: Highest before rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Lowest after rainy season Do sales show a seasonal pattern: Lowest after rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Highest during holiday season Do sales show a seasonal pattern: Highest during holiday season 1 323 No Sysmiss Do sales show a seasonal pattern: Other pattern Do sales show a seasonal pattern: Other pattern 1 323 No Sysmiss Do sales show a seasonal pattern: No pattern Do sales show a seasonal pattern: No pattern 1 323 1 1 1 Yes Sysmiss 15: What were the business’ ${business_name} total SALES in the last 30 days? B What were the business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).  1 323 70000 70000 16: Comparing your ${business_name} business sales for the last 30 days (in 202 Comparing your main business sales for the last 30 days (in 2021) with the same month last year (in 2020), are your sales? 1 323 1 1 1 Higher than last year Sysmiss 17: What were the ${business_name} business’ total COSTS in the LAST 30 DAYS? B What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the overall expenses made in the business in Ethiopian Birr, including salaries. 1 323 22200 22200 18: What were the approximate amounts spent just on Salaries of Workers in the l What were the approximate amounts spent just on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0" 1 323 10200 10200 19: Outside of any regular fixed salary, how much did you take from ${business_ Outside of any regular fixed salary, how much did you take from business revenues for personal/household expenses in the past month (in Birr)? 1 323 20: What are the PROFITS received from your ${business_name} business in the pa What are the PROFITS received from your business in the past 30 working days? (i.e. the total income your business earned after paying all expenses in your business including the wages of employees)? 1 323 47800 47800 21: ASSETS: How much would you estimate is the value of your ${business_name} b ASSETS: How much would you estimate is the value of your businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)? 1 323 500000 500000 22: Do you own any equipment or machinery in your ${business_name} business? Do you own any equipment or machinery in your main business? 1 323 1 1 1 Yes Sysmiss 23: CAPITAL STOCK What is the replacement value of all your owned equipment and CAPITAL STOCK What is the replacement value of all your owned equipment and machinery (in Birr)? 1 323 500000 500000 24: CAPITAL STOCK Do you currently rent out equipment and machinery? CAPITAL STOCK Do you currently rent equipment and machinery? 1 323 No Sysmiss 26: Does your ${business_name} business have any inventory stocks? (That is, fi Does your business have any inventory stocks? (That is, final goods for sale) 1 323 No Sysmiss 28: Does your ${business_name} business use any RAW MATERIALS? (i.e. product co Does your business use any RAW MATERIALS? (i.e. product components and raw materials used to manufacture the final goods) 1 323 No Sysmiss 30. What were sales pre-COVID? During regular operations, before the coronavirus (COVID-19) pandemic began, what were your average monthly SALES for your main business? 1 323 120000 120000 31: When this ${business_name} business first started, where did most of the st When this business first started, where did most of the start-up capital for this business come from? 324 Startup capital came from:own savings When this business first started, where did most of the start-up capital for this business come from: Own savings 1 323 1 1 1 Yes Sysmiss Startup capital came from:spouse's savings When this business first started, where did most of the start-up capital for this business come from: Spouse's savings 1 323 No Sysmiss Startup capital came from:ROSACA type savings When this business first started, where did most of the start-up capital for this business come from: Equb or ROSACA type savings 1 323 No Sysmiss Startup capital came from:Family inheritance When this business first started, where did most of the start-up capital for this business come from: Family inheritance 1 323 No Sysmiss Startup capital came from:Remittance When this business first started, where did most of the start-up capital for this business come from: Remittance 1 323 No Sysmiss Startup capital came from:Gift from relatives When this business first started, where did most of the start-up capital for this business come from: Gifts from friends and family 1 323 No Sysmiss Startup capital came from:NGO assistance When this business first started, where did most of the start-up capital for this business come from: Financial assitance from NGO 1 323 No Sysmiss Startup capital came from:Govt assistance When this business first started, where did most of the start-up capital for this business come from: Financial assistance from government agencies 1 323 No Sysmiss Startup capital came from:Loan from parents When this business first started, where did most of the start-up capital for this business come from: Loan from parents 1 323 No Sysmiss Startup capital came from:Loan from siblings When this business first started, where did most of the start-up capital for this business come from: Loan from siblings 1 323 No Sysmiss Startup capital came from:Loan from friends When this business first started, where did most of the start-up capital for this business come from: Loan from friends and family 1 323 No Sysmiss Startup capital came from:Loan from other businesses When this business first started, where did most of the start-up capital for this business come from: Loan from other business 1 323 No Sysmiss Startup capital came from:Loan from informal money lender When this business first started, where did most of the start-up capital for this business come from: Loan from money lenders 1 323 No Sysmiss Startup capital came from:Loan from MFI When this business first started, where did most of the start-up capital for this business come from: Loan from microfinance institutions 1 323 No Sysmiss Startup capital came from:Loan from banks When this business first started, where did most of the start-up capital for this business come from: Loan from banks 1 323 No Sysmiss Startup capital came from:Other When this business first started, where did most of the start-up capital for this business come from: Other 1 323 No Sysmiss Startup capital came from:Don't know When this business first started, where did most of the start-up capital for this business come from: Don't know 1 323 No Sysmiss 32: How much was the starting capital for the ${business_name} business (includ How much was the starting capital for the main business (includes equipment and machinery used to start the business).? (in Birr) 1 323 20000 20000 33: How many employees does this ${business_name} business have? (Full-time + p How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0". 1 323 3 3 34: How many employees has this ${business_name} business HIRED in the past 12 How many employees has this business HIRED in the past 12 months? 1 323 35: How many employees have LEFT this ${business_name} business in the past 12 How many employees have LEFT this business in the past 12 months? 1 323 1 1 36: What was the most important reason for worker departure in the past 12 month What was the most important reason for worker departure in the past 12 months? 1 323 2 2 2 Worker found another job Sysmiss 37: How many hours do you personally work for your ${business_name} business in How many hours do you personally work for your business in a typical week? (includes all business related activities) 1 323 14 14 38: Has the amount of hours that you work in the ${business_name} business per Has the amount of hours that you work in the business per week changed over the last two years? 1 323 3 3 3 Hours have stayed the same Sysmiss 2: In which industry does your other business operate? In which industry does your other business operate? 1 323 4 4 4 Services Sysmiss 3: What type of business do you have? If your business operations are a mixture What type of business do you have? If your business operations are a mixture of two categories, choose the one category that generates the largest share of your revenues. 1 323 2 2 2 Retailer / I sell mostly to end consumers Sysmiss 4: What is your sub-sector of operation? What is your sub sector of operation? 1 323 12 12 12 Café and restaurants Sysmiss Years How many years has your business been in operation for? 1 323 2 2 Months How many months has your business been in operation for? 1 323 11 11 6: What was the primary reason that you started or joined this business ${busin What was the primary reason that you started or joined this business? [DO NOT PROMPT. LISTEN AND THEN CODE THE OPTION(S) THAT MOST APPLY.] 324 Started business because of:Household needed money What was the primary reason that you started or joined this business: Household needed money 1 323 No Sysmiss Started business because of:Wanted to make more money What was the primary reason that you started or joined this business: Wanted to make more money 1 323 No Sysmiss Started business because of:Did not have a better wage alternative What was the primary reason that you started or joined this business: Did not have a better wage alternative 1 323 No Sysmiss Started business because of:Lost previous job What was the primary reason that you started or joined this business: Lost previous job 1 323 No Sysmiss Started business because of:Wanted to continue family business What was the primary reason that you started or joined this business: Wanted to continue family business 1 323 No Sysmiss Started business because of:Previous experience as a worker inthis sector What was the primary reason that you started or joined this business: Previous experience as a worker in this sector 1 323 No Sysmiss Started business because of:Previous experience as an apprentice inthis sector What was the primary reason that you started or joined this business: Previous experience as an apprentice in this sector 1 323 No Sysmiss Started business because of:I took a related training course What was the primary reason that you started or joined this business: I took a related training course 1 323 No Sysmiss Started business because of:Received subsidy to start business What was the primary reason that you started or joined this business:Received subsidy to start business 1 323 No Sysmiss Started business because of:Local captital requirements What was the primary reason that you started or joined this business: Local capital requirements 1 323 No Sysmiss Started business because of: Allows work life balance What was the primary reason that you started or joined this business: Allows work life balance 1 323 No Sysmiss Started business because of:Saw a market opportunity What was the primary reason that you started or joined this business: Saw a market opportunity 1 323 No Sysmiss Started business because of:Wanted to be my own boss What was the primary reason that you started or joined this business: Wanted to be my own boss 1 323 No Sysmiss Started business because of:Previous business not successful What was the primary reason that you started or joined this business: Previous business not successful 1 323 No Sysmiss Started business because of:Wanted to benefit from my hobby What was the primary reason that you started or joined this business: Wanted to benefit from my hobby 1 323 No Sysmiss Started business because of:Post retirement source of income What was the primary reason that you started or joined this business: Post retirement source of income 1 323 No Sysmiss Started business because of:Other What was the primary reason that you started or joined this business: Other 1 323 1 1 1 Yes Sysmiss 6: Specify, What was the primary reason that you started or joined this business Specify, What was the primary reason that you started or joined this business 324 7: Is there a relationship or strategy between this ${business_name} business a Is there a relationship or strategy between this business and your main business? 1 323 2 2 2 Yes, one business provides inputs to another Sysmiss 8: Please select your relationship to this ${business_name} business: Please select your relationship to this business: 1 323 3 3 3 Both Sysmiss 9: Is this ${business_name} business owned by you, someone else, or you togethe Is this business owned by you, someone else, or you together with somebody else? 1 323 1 1 1 Yes Sysmiss 11: Who is the main owner of this ${business_name} business? 11: Who is the main owner of this ${business_name} business? 1 323 1 1 1 Self Sysmiss 12: What is the gender of the main business ${business_name} owner? What is the gender of the main business owner? 1 323 2 2 2 Female Sysmiss 13: What is the total profits your business ${business_name} earned in the year What is the total profits your business earned in the year 2013 (in ETB): 1 323 180000 180000 14: Do sales show a seasonal pattern? Do sales show a seasonal pattern? 324 Do sales show a seasonal pattern: Highest during rainy season Do sales show a seasonal pattern: Highest during rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Highest after rainy season Do sales show a seasonal pattern: Highest after rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Lowest during rainy season Do sales show a seasonal pattern: Lowest during rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Highest before rainy season Do sales show a seasonal pattern: Highest before rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Lowest after rainy season Do sales show a seasonal pattern: Lowest after rainy season 1 323 No Sysmiss Do sales show a seasonal pattern: Highest during holiday season Do sales show a seasonal pattern: Highest during holiday season 1 323 No Sysmiss Do sales show a seasonal pattern: Other pattern Do sales show a seasonal pattern: Other pattern 1 323 No Sysmiss Do sales show a seasonal pattern: No pattern Do sales show a seasonal pattern: No pattern 1 323 1 1 1 Yes Sysmiss 15: What were the business’ ${business_name} total SALES in the last 30 days? B What were the business’ total SALES in the last 30 days? By this we mean the overall sales of products or services (in Birr).  1 323 60000 60000 16: Comparing your ${business_name} business sales for the last 30 days (in 202 Comparing your main business sales for the last 30 days (in 2021) with the same month last year (in 2020), are your sales? 1 323 1 1 1 Higher than last year Sysmiss 17: What were the ${business_name} business’ total COSTS in the LAST 30 DAYS? B What were the business’ total COSTS in the LAST 30 DAYS? By this we mean the overall expenses made in the business in Ethiopian Birr, including salaries. 1 323 45000 45000 18: What were the approximate amounts spent just on Salaries of Workers in the l What were the approximate amounts spent just on Salaries of Employees in the last 30 working days (in Birr)? If there is no expense paid, please record "0" 1 323 7800 7800 19: Outside of any regular fixed salary, how much did you take from ${business_ Outside of any regular fixed salary, how much did you take from business revenues for personal/household expenses in the past month (in Birr)? 1 323 20: What are the PROFITS received from your ${business_name} business in the pa What are the PROFITS received from your business in the past 30 working days? (i.e. the total income your business earned after paying all expenses in your business including the wages of employees)? 1 323 15000 15000 21: ASSETS: How much would you estimate is the value of your ${business_name} b ASSETS: How much would you estimate is the value of your businesses’ assets (total value of inventory/stock, any machines, and anything else that your business owns)? 1 323 316000 316000 22: Do you own any equipment or machinery in your ${business_name} business? Do you own any equipment or machinery in your main business? 1 323 1 1 1 Yes Sysmiss 23: CAPITAL STOCK What is the replacement value of all your owned equipment and CAPITAL STOCK What is the replacement value of all your owned equipment and machinery (in Birr)? 1 323 300000 300000 24: CAPITAL STOCK Do you currently rent out equipment and machinery? CAPITAL STOCK Do you currently rent equipment and machinery? 1 323 No Sysmiss 26: Does your ${business_name} business have any inventory stocks? (That is, fi Does your business have any inventory stocks? (That is, final goods for sale) 1 323 1 1 1 Yes Sysmiss 27: INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of INVENTORY STOCK ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of final goods for sale that you have currently in stock (in Birr)? By stock, I mean all those goods your business owns at the moment. If respondent does not understand the question: How many Birr would you get if you would sell all these goods for sale? 1 323 10000 10000 28: Does your ${business_name} business use any RAW MATERIALS? (i.e. product co Does your business use any RAW MATERIALS? (i.e. product components and raw materials used to manufacture the final goods) 1 323 1 1 1 Yes Sysmiss 29: RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS:What is the value of yo RAW MATERIALS ONLY ASK IF RESPONDENT OFFERS PRODUCTS: What is the value of your current additional stocks? By additional stocks, I mean product components and raw material you need for your product, goods in production and spare parts that are currently part of your business. If respondent does not understand the question: How many Birr would you get if you would sell all these items? 1 323 6000 6000 30. What were sales pre-COVID? During regular operations, before the coronavirus (COVID-19) pandemic began, what were your average monthly SALES for your main business? 1 323 75000 75000 31: When this ${business_name} business first started, where did most of the st When this business first started, where did most of the start-up capital for this business come from? 324 Startup capital came from:own savings When this business first started, where did most of the start-up capital for this business come from: Own savings 1 323 1 1 1 Yes Sysmiss Startup capital came from:spouse's savings When this business first started, where did most of the start-up capital for this business come from: Spouse's savings 1 323 No Sysmiss Startup capital came from:ROSACA type savings When this business first started, where did most of the start-up capital for this business come from: Equb or ROSACA type savings 1 323 No Sysmiss Startup capital came from:Family inheritance When this business first started, where did most of the start-up capital for this business come from: Family inheritance 1 323 No Sysmiss Startup capital came from:Remittance When this business first started, where did most of the start-up capital for this business come from: Remittance 1 323 No Sysmiss Startup capital came from:Gift from relatives When this business first started, where did most of the start-up capital for this business come from: Gifts from friends and family 1 323 No Sysmiss Startup capital came from:NGO assistance When this business first started, where did most of the start-up capital for this business come from: Financial assitance from NGO 1 323 No Sysmiss Startup capital came from:Govt assistance When this business first started, where did most of the start-up capital for this business come from: Financial assistance from government agencies 1 323 No Sysmiss Startup capital came from:Loan from parents When this business first started, where did most of the start-up capital for this business come from: Loan from parents 1 323 No Sysmiss Startup capital came from:Loan from siblings When this business first started, where did most of the start-up capital for this business come from: Loan from siblings 1 323 No Sysmiss Startup capital came from:Loan from friends When this business first started, where did most of the start-up capital for this business come from: Loan from friends and family 1 323 No Sysmiss Startup capital came from:Loan from other businesses When this business first started, where did most of the start-up capital for this business come from: Loan from other business 1 323 No Sysmiss Startup capital came from:Loan from informal money lender When this business first started, where did most of the start-up capital for this business come from: Loan from money lenders 1 323 No Sysmiss Startup capital came from:Loan from MFI When this business first started, where did most of the start-up capital for this business come from: Loan from microfinance institutions 1 323 No Sysmiss Startup capital came from:Loan from banks When this business first started, where did most of the start-up capital for this business come from: Loan from banks 1 323 No Sysmiss Startup capital came from:Other When this business first started, where did most of the start-up capital for this business come from: Other 1 323 No Sysmiss Startup capital came from:Don't know When this business first started, where did most of the start-up capital for this business come from: Don't know 1 323 No Sysmiss 32: How much was the starting capital for the ${business_name} business (includ How much was the starting capital for the main business (includes equipment and machinery used to start the business).? (in Birr) 1 323 10000 10000 33: How many employees does this ${business_name} business have? (Full-time + p How many employees does this business have? (Full-time + part-time + temporary + unpaid, including family members.) Count those employees that regularly work in the enterprise. Entrepreneur should not count herself or other owners. If none, record "0". 1 323 5 5 34: How many employees has this ${business_name} business HIRED in the past 12 How many employees has this business HIRED in the past 12 months? 1 323 1 1 35: How many employees have LEFT this ${business_name} business in the past 12 How many employees have LEFT this business in the past 12 months? 1 323 37: How many hours do you personally work for your ${business_name} business in How many hours do you personally work for your business in a typical week? (includes all business related activities) 1 323 14 14 38: Has the amount of hours that you work in the ${business_name} business per Has the amount of hours that you work in the business per week changed over the last two years? 1 323 3 3 3 Hours have stayed the same Sysmiss 3: Does your household have any of the following? Please check all that apply Does your household have any of the following? Please check all that apply 324 Do you have: Electricity Do you have: Electricity 324 1 1 1 Yes Do you have: Mobile phone Do you have: Mobile phone 324 1 No 1 Yes Do you have: Smartphone Do you have: Smartphone 324 1 No 1 Yes Do you have: Refridgerator Do you have: Refridgerator 324 1 No 1 Yes Do you have: Mattress Do you have: Mattress 324 1 No 1 Yes Do you have: Flush toilet Do you have: Flush toilet 324 1 No 1 Yes Do you have: Car Do you have: Car 324 1 No 1 Yes Do you have: House Do you have: House 324 1 No 1 Yes 3.c: Please estimate the value of the car if you sold it in the near future? If yes, please estimate the value if you sold it in the near future? 70 254 130000 8000000 3.h: Please estimate the value of the house if you sold it in the near future? If yes, please estimate the value if you sold it in the near future? 133 191 250000 100000000 4: Which of the following items have you personally used as collateral for any l Which of the following items have you personally used as collateral for any loans borrowed in the past 3 years? 324 Used as collateral for loan past 3 years: house Used as collateral for loan past 3 years: house 324 1 No 1 Yes Used as collateral for loan past 3 years: vehicle Used as collateral for loan past 3 years: vehicle 324 1 No 1 Yes Used as collateral for loan past 3 years: business inventory Used as collateral for loan past 3 years: business inventory 324 1 No 1 Yes Used as collateral for loan past 3 years: agriculture Used as collateral for loan past 3 years: agriculture 324 No Used as collateral for loan past 3 years: livestock Used as collateral for loan past 3 years: livestock 324 No Used as collateral for loan past 3 years: warehouse reciepts Used as collateral for loan past 3 years: warehouse reciepts 324 No Used as collateral for loan past 3 years: business machinery Used as collateral for loan past 3 years: business machinery 324 1 No 1 Yes Used as collateral for loan past 3 years: valuable household items Used as collateral for loan past 3 years: valuable household items 324 1 No 1 Yes Used as collateral for loan past 3 years: jewelry Used as collateral for loan past 3 years: jewelry 324 No Used as collateral for loan past 3 years: guarantor Used as collateral for loan past 3 years: guarantor 324 1 No 1 Yes Used as collateral for loan past 3 years: other Used as collateral for loan past 3 years: other 324 1 No 1 Yes Used as collateral for loan past 3 years: No collateral used Used as collateral for loan past 3 years: No collateral used 324 1 No 1 Yes Used as collateral for loan past 3 years: Not applicable Used as collateral for loan past 3 years: Not applicable 324 1 4: Specify, Which of the following items have you personally used as collateral Specify, Which of the following items have you personally used as collateral 324 29: house If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: House 324 1 No 1 Yes 29: land nan 324 1 No 1 Yes 29: vehicle If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: vehicle 324 1 No 1 Yes 29: business assets If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: business assets 324 1 No 1 Yes 29: guarantor's salary If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: guarantor's salary 324 1 No 1 Yes 29: house If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: House 85 239 300000 100000000 29: land If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: Land 6 318 240000 3200000 29: vehicle If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: vehicle 67 257 100000 8000000 29: business assets If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: business assets 122 202 5000 6000000 29: guarantor's salary If you needed collateral for a new loan for your main business, which of the following types of collateral would you be able to provide, and what would be the value of each: guarantor's salary 138 186 1200 100000 4a: Which of these services have you received in the past three years? Which of these services have you received in the past three years? 324 1 4 1 Received MFI Loan 2 Received Business Training 3 Received Both MFI Loan and Training 4 Received neither MFI loan nor training 6: Have you ever had a loan from a bank or other formal financial institution (e Have you ever had a loan from a bank or other formal financial institution (e.g. credit union or Micro-finance Institution? 324 1 No 1 Yes 5: A. Bank or other formal financial insitution: (except MFI) In the past 3years, have you, by yourself or together with someone else, borrowed any money for your business from any of the following sources? Banks, micro-finance institutions or other formal financial insitutions; family, relatives and friends; other businesses; informal savings groups; 324 1 No 1 Yes 5: B. Microfinance Institution: In the past 3years, have you, by yourself or together with someone else, borrowed any money for your business from any of the following sources? Banks, micro-finance institutions or other formal financial insitutions; family, relatives and friends; other businesses; informal savings groups; 324 1 No 1 Yes 5: C. Family, relatives, friends: In the past 3years, have you, by yourself or together with someone else, borrowed any money for your business from any of the following sources? Banks, micro-finance institutions or other formal financial insitutions; family, relatives and friends; other businesses; informal savings groups; 324 1 No 1 Yes 5: D. Informal savings group: In the past 3years, have you, by yourself or together with someone else, borrowed any money for your business from any of the following sources? Banks, micro-finance institutions or other formal financial insitutions; family, relatives and friends; other businesses; informal savings groups; 324 1 No 1 Yes 5.1: What is the total amount borrowed across all business loans taken in the pa What is the total amount borrowed across all business loans taken in the past 3years? 194 130 3000 5700000 5.2: Have you borrowed from an MFI, bank or credit union in the last three years Have you borrowed from an MFI, bank or credit union in the last three years 324 1 No 1 Yes 5.3: What is the total amount borrowed across all loans from MFIs, banks, or cre What is the total amount borrowed across all loans from MFIs, banks, or credit unions in the last three years 154 170 118 3700000 24: What is/was the primary use or intended use of the largest formal loan? [DO What is/was the primary use or intended use of the largest formal loan? [DO NOT PROMPT. LISTEN AND THEN SELECT THE OPTION(S) THAT BEST APPLY] 324 1 12 1 Construction 2 Rent 3 Purchase of inputs/raw materials 4 License or permit fees 5 Purchase of marketing materials or services 6 Pay off past business debt 7 Purchase of equipment 9 Buy property/land 10 Personal expenses 11 Other (please specify) 12 Have not taken any loan recently 24: Specify, What is/was the primary use or intended use of the largest formal l Specify, What is/was the primary use or intended use of the largest formal l 324 24a: Have you borrowed from an MFI in the last three years Have you borrowed from aMFI in the last three years 324 1 No 1 Yes 24b: Which of the following MFIs have you borrowed a loan from in the past 3 yea Which of the following MFIs have you borrowed a loan from in the past 3 years? 324 Borrowed from an MFI:Specialized Financial and Promotional Institution S.C. Borrowed from an MFI:Specialized Financial and Promotional Institution S.C. 139 185 No Sysmiss Borrowed from an MFI:Amhara Credit and Saving Institution Borrowed from an MFI:Amhara Credit and Saving Institution 139 185 No Sysmiss Borrowed from an MFI:Addis Credit and Saving Institution S.C Borrowed from an MFI:Addis Credit and Saving Institution S.C 139 185 No Sysmiss Borrowed from an MFI:Dedebit Credit and Saving Institution S.C. Borrowed from an MFI:Dedebit Credit and Saving Institution S.C. 139 185 No Sysmiss Borrowed from an MFI:Meklit Microfinance Institution S.C Borrowed from an MFI:Meklit Microfinance Institution S.C 139 185 1 No 1 Yes Sysmiss Borrowed from an MFI:Oromia Credit and Saving S.C. Borrowed from an MFI:Oromia Credit and Saving S.C. 139 185 1 No 1 Yes Sysmiss Borrowed from an MFI:Metemamen Microfinance Institution S.C. Borrowed from an MFI:Metemamen Microfinance Institution S.C. 139 185 1 No 1 Yes Sysmiss Borrowed from an MFI:Wasasa Microfinance Institution S.C Borrowed from an MFI:Wasasa Microfinance Institution S.C 139 185 1 No 1 Yes Sysmiss Borrowed from an MFI:Vision fund Microfinance Institution S.C. Borrowed from an MFI:Vision fund Microfinance Institution S.C. 139 185 1 No 1 Yes Sysmiss Borrowed from an MFI:Aggar Micro Finance S.C Borrowed from an MFI:Aggar Micro Finance S.C 139 185 1 No 1 Yes Sysmiss Borrowed from an MFI:Harbu Microfinance Institution S.C Borrowed from an MFI:Harbu Microfinance Institution S.C 139 185 1 No 1 Yes Sysmiss Borrowed from an MFI:Omo Microfinance Institution S.C Borrowed from an MFI:Omo Microfinance Institution S.C 139 185 1 No 1 Yes Sysmiss Borrowed from an MFI:Other Borrowed from an MFI:Other 139 185 1 No 1 Yes Sysmiss 24b: Specify, Which of the following MFIs have you borrowed a loan from in the p Specify, Which of the following MFIs have you borrowed a loan from in the p 324 5: Have you ever had a loan from the MFI Wasasa? Have you ever had a loan from the MFI Wasasa? 324 1 No 1 Yes 5.1: How much was your original Wasasa loan? How much was your original Wasasa loan 88 236 5000 600000 5.1a: Have you taken any subsequent Wasasa loans? Have you taken any subsequent Wasasa loans? 88 236 1 No 1 Yes Sysmiss 5.1a: How much was your any subsequent Wasasa loans? How much was your any subsequent Wasasa loans? 9 315 8000 350000 5.1b: At this time, do you have any loans from Wasasa? At this time, do you have any loans from Wasasa? 88 236 1 No 1 Yes Sysmiss 5.1c: What is the amount currently owed on all of your loans from Wasasa at this What is the amount currently owed on all of your loans from Wasasa at this time (in Birr)? If there are no such loans please enter zero. 28 296 6000 254000 8: Do you have a Wasasa bank account Do you have a Wasasa bank account 324 1 No 1 Yes Years If yes, how long have you banked with Wasasa? Years 122 202 20 Months If yes, how long have you banked with Wasasa? Months 122 202 -99 11 11: Outside of Wasasa, how many MFI, bank or credit union loans did you apply fo Outside of Wasasa, how many MFI, bank or credit union loans did you apply for your business in the last three years 324 12 12: Outside Wasasa, how many MFI, bank or credit union loans did you receive Outside of Wasasa, how many MFI, bank or creidt union loans did you receive for your business in the last year? 140 184 4 13: What was the total value of these loans? What was the total value of these loans? 69 255 8000 3700000 14: Do you currently have any outstanding business loans from MFIs, banks or cre Do you currently have any outstanding business loans from MFIs, banks or credit unions, apart from your Wasasa loan? 324 1 No 1 Yes 15: What is the amount currently owed on all of your loans taken from MFIs, bank What is the amount currently owed on all of your loans taken from MFIs, banks or credit unions apart from Wasasa at this time (in Birr)? If there are no such loans please enter zero. 51 273 2610000 9: Do you currently have accounts with other MFIs, banks or credit unions? Do you currently have accounts with other MFIs, banks or credit unions? 324 1 No 1 Yes Years How long have you had an account with other MFIs, banks or credit unions? Months 266 58 2 31 Months How long have you had an account with other MFIs, banks or credit unions? Years 266 58 -99 10 11: Have you borrowed for your business in the past three years from your spouse Have you borrowed for your business in the past three years from your spouse? 324 -77 2 -77 Not applicable 1 Yes 2 No 11a.1: How much do you borrowed for your business in the past three years from y How much do you borrowed for your business in the past three years from your spouse? 21 303 12000 800000 12: Have you borrowed for your business from friends/family? Have you borrowed for your business in the past three years from any other family member or a friend? 324 1 No 1 Yes 12: How much have you borrowed for your business from friends/family? How much do you borrowed for your business in the past three years from any other family members or friends 66 258 3000 2000000 13: Have you borrowed for your business from another business? Have you borrowed for your business in the past three years from another business? 324 1 No 1 Yes 13: How much have you borrowed for your business from another business? How much do you borrowed for your business in the past three years from another business 5 319 15000 50000 14: Have you borrowed for your business from non-formal sources? Have you borrowed for your business in the past three years from any other non-formal sources (eg., local money lender, idir)? 324 1 No 1 Yes 14: How much have you borrowed for your business from non-formal sources? How much do you borrowed for your business in the past three years from other non-formal sources? 13 311 7000 400000 15. How much money do you own to the above Of all the money you borrowed from all the informal sources we just mentioned for your business in the past three years, how much do you still owe (in Birr)? 324 -77 1300000 16: How many people/informal institutions do you owe money for your business at How many people/informal institutions do you owe money for your business at the moment? 324 -77 8 17: What is/was the primary use or intended use of the largest informal loan? [D What is/was the primary use or intended use of the largest informal loan? [DO NOT PROMPT. LISTEN AND THEN SELECT THE OPTION(S) THAT BEST APPLY] 324 Use of largest informal loan:Construction Use of largest informal loan:Construction 324 No Use of largest informal loan:Rent Use of largest informal loan:Rent 324 1 No 1 Yes Use of largest informal loan:Purchase of inputs/raw materials Use of largest informal loan:Purchase of inputs/raw materials 324 1 No 1 Yes Use of largest informal loan:License or permit fees Use of largest informal loan:License or permit fees 324 1 No 1 Yes Use of largest informal loan:Marketing materials Use of largest informal loan:Marketing materials 324 1 No 1 Yes Use of largest informal loan:Pay off debt Use of largest informal loan:Pay off debt 324 1 No 1 Yes Use of largest informal loan:Purchase equipment Use of largest informal loan:Purchase equipment 324 1 No 1 Yes Use of largest informal loan:Pay workers Use of largest informal loan:Pay workers 324 1 No 1 Yes Use of largest informal loan:Buy property/land Use of largest informal loan:Buy property/land 324 1 No 1 Yes Use of largest informal loan:Personal expenses Use of largest informal loan:Personal expenses 324 1 No 1 Yes Use of largest informal loan:Other,specify Use of largest informal loan:Other,specify 324 1 No 1 Yes Use of largest informal loan:Have not taken any loan recently Use of largest informal loan:Have not taken any loan recently 324 1 No 1 Yes 17: Specify, What is/was the primary use or intended use of the largest informal Specify, What is/was the primary use or intended use of the largest informal 324 18: How do you save the money you earn in your main business? Multiple responses How do you save the money you earn in your main business? Multiple responses possible. 324 How do you save money:Business premises How do you save money:Business premises 324 1 No 1 Yes How do you save money:Throught iqqub How do you save money:Throught iqqub 324 1 No 1 Yes How do you save money:Through cooperative/savings group How do you save money:Through cooperative/savings group 324 1 No 1 Yes How do you save money:Through MFIs How do you save money:Through MFIs 324 1 No 1 Yes How do you save money:My business partner saves money How do you save money:My business partner saves money 324 No How do you save money:Bank How do you save money:Bank 324 1 No 1 Yes How do you save money:Home How do you save money:Home 324 1 No 1 Yes How do you save money:Don't save How do you save money:Don't save 324 1 No 1 Yes Other, specify Other, specify 324 1 No 1 Yes 18: Specify, How do you save the money you earn in your main business? Specify, How do you save the money you earn in your main business? 324 19. Maximum you can borrow If you wanted to seek a loan for your business from a MFI, Bank or other formal source starting in the next few weeks, what is the maximum do you think you could borrow [given the collateral that you have]? 324 -88 5000000 20: Have you had a loan request denied by a financial institution in the last 12 Have you had a loan request denied by a financial institution in the last 12 months? 324 1 No 1 Yes 21a: Why was it denied? First most important Why was it denied? (DO NOT PROMPT. LISTEN AND RECORD. Ff multiple reasons are mentioned, record the most important ones, in order of importance) 56 268 1 10 1 Could not provide security/collateral 4 Did not have the right documentation 9 Didn't give any reason 10 Other, Specify Sysmiss 21a: Specify the first other most important, Why was it denied? Specify the first other most important, Why was it denied? 324 21b: Why was it denied? Second most important Why was it denied? (DO NOT PROMPT. LISTEN AND RECORD. Ff multiple reasons are mentioned, record the most important ones, in order of importance) 56 268 -777 10 -777 Not applicable 2 Could not come up with my own contribution 4 Did not have the right documentation 7 Did not have a business plan 10 Other, Specify Sysmiss 21b: Specify the second other most important, Why was it denied? Specify the second other most important, Why was it denied? 324 21c: Why was it denied? Third most important Why was it denied? (DO NOT PROMPT. LISTEN AND RECORD. Ff multiple reasons are mentioned, record the most important ones, in order of importance) 5 319 -777 4 -777 Not applicable 4 Did not have the right documentation Sysmiss 1: In your household who decides whether or not to buy an appliance for the home In your household who decides whether or not to buy an appliance for the home? (such as televisions, microwave, etc.)? 324 1 5 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person 5 Another person 2: In your household who decides in what way household members may work outside In your household who decides in what way household members may work outside the home (in what jobs, how many hours, where, etc.)? 324 1 5 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person 5 Another person 3: In your household who decides whether to support family members, such as your In your household who decides whether to support family members, such as your parents, siblings, in-laws, etc? 324 1 5 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person 5 Another person 4: In your household who decides whether to save for the future? In your household who decides whether to save for the future? 324 1 5 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person 5 Another person 5: In your household who decides how to use your business’ profits? In your household who decides how to use your business’ profits? 324 1 5 1 Me, by myself 2 My partner/spouse, by himself 3 Me and my partner/spouse 4 Me and another person 5 Another person 1: I can always manage to solve difficult problems if I try hard enough. I can always manage to solve difficult problems if I try hard enough. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 2: It is easy for me to stick to my aims and accomplish my goals. It is easy for me to stick to my aims and accomplish my goals. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 3: I am confident that I could deal efficiently with unexpected events. 3: I am confident that I could deal efficiently with unexpected events. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 4: I can solve most problems if I invest the necessary effort. 4: I can solve most problems if I invest the necessary effort. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 5: When I am confronted with a problem, I can usually find several solutions. 5: When I am confronted with a problem, I can usually find several solutions. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 6: No matter what comes my way, I’m usually able to handle it. 6: No matter what comes my way, I’m usually able to handle it. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 7: Thanks to my skillful and creative thinking, I know how to handle unforeseen 7: Thanks to my skillful and creative thinking, I know how to handle unforeseen 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 8: If I am in trouble, I can usually think of a solution. 8: If I am in trouble, I can usually think of a solution. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 9: If someone is against me, I can find means and ways to get what I want. 9: If someone is against me, I can find means and ways to get what I want. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 10: I can remain calm when I am facing difficulties because I can rely on my abi 10: I can remain calm when I am facing difficulties because I can rely on my abi 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 11: I actively attack problems 11: I actively attack problems 324 2 5 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 12: Whenever something goes wrong, I search for a solution immediately 12: Whenever something goes wrong, I search for a solution immediately 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 13: Whenever there is a chance to get actively involved, I take it 13: Whenever there is a chance to get actively involved, I take it 324 2 5 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 14: I take initiative immediately even when others do not. 14: I take initiative immediately even when others do not. 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 15: I use opportunities quickly in order to attain my goals 15: I use opportunities quickly in order to attain my goals 324 2 5 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 16: Usually I do more than I am asked to do 16: Usually I do more than I am asked to do 324 1 5 1 Strongly Disgree, 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 17: I am particularly good at realizing ideas. 17: I am particularly good at realizing ideas. 324 2 5 2 Disagree 3 Neither agree nor disagree 4 Agree 5 Strongly Agree 18: Overall, how satisfied are you with your economic well-being? Are you ... 18: Overall, how satisfied are you with your economic well-being? Are you ... 324 1 4 1 Very satisfied 2 Fairly satisfied 3 Not very satisfied 4 Not at all satisfied 19: Overall, how satisfied are you with your work as a business owner/self-emplo 19: Overall, how satisfied are you with your work as a business owner/self-employed 324 1 4 1 Very satisfied 2 Fairly satisfied 3 Not very satisfied 4 Not at all satisfied 20: In comparison to others, are you a person who is generally willing to give u In comparison to others, are you a person who is generally willing to give up something today in order to benefit from that in the future, or are you not willing to do so? 324 10 21: Please tell me, in general, how willing or unwilling you are to take risks. 21: Please tell me, in general, how willing or unwilling you are to take risks. 324 10 22: I often set a goal but later choose to pursue a different one. 22: I often set a goal but later choose to pursue a different one. 324 1 5 1 Not at all like me 2 Not like me 3 Unsure 4 Like me 5 Very much like me 23: New ideas and projects sometimes distract me from previous ones. 23: New ideas and projects sometimes distract me from previous ones. 324 1 5 1 Not at all like me 2 Not like me 3 Unsure 4 Like me 5 Very much like me 24: I have been obsessed with a certain idea or project for a short time but lat 24: I have been obsessed with a certain idea or project for a short time but later lost interest. 324 1 5 1 Not at all like me 2 Not like me 3 Unsure 4 Like me 5 Very much like me 25: I have difficulty maintaining my focus on projects that take more than a few 25: I have difficulty maintaining my focus on projects that take more than a few 324 1 5 1 Not at all like me 2 Not like me 3 Unsure 4 Like me 5 Very much like me 26: I finish whatever I begin. 26: I finish whatever I begin. 324 1 5 1 Not at all like me 2 Not like me 3 Unsure 4 Like me 5 Very much like me 27: Setbacks don’t discourage me. 27: Setbacks don’t discourage me. 324 1 5 1 Not at all like me 2 Not like me 3 Unsure 4 Like me 5 Very much like me 28: I am a hard worker. 28: I am a hard worker. 324 1 5 1 Not at all like me 2 Not like me 3 Unsure 4 Like me 5 Very much like me 29: I am diligent. 29: I am diligent. 324 1 5 1 Not at all like me 2 Not like me 3 Unsure 4 Like me 5 Very much like me 1: What, if any, challenges are you facing with your business with COVID? What, if any, challenges are you facing with your business with the threat of the coronavirus pandemic? 324 COVID threat faced:None COVID threat faced:None 324 1 No 1 Yes COVID threat faced:Reduced demand (local) COVID threat faced:Reduced demand (local) 324 1 No 1 Yes COVID threat faced:Reduced demand (abroad) COVID threat faced:Reduced demand (abroad) 324 1 No 1 Yes COVID threat faced:Problems with suppliers domestically COVID threat faced:Problems with suppliers domestically 324 1 No 1 Yes COVID threat faced:Problems with suppliers from abroad COVID threat faced:Problems with suppliers from abroad 324 1 No 1 Yes COVID threat faced:Loan repayments COVID threat faced:Loan repayments 324 1 No 1 Yes COVID threat faced:Health issues COVID threat faced:Health issues 324 1 No 1 Yes COVID threat faced:Caring for other members COVID threat faced:Caring for other members 324 1 No 1 Yes COVID threat faced:Employees home care responsibilities COVID threat faced:Employees home care responsibilities 324 1 No 1 Yes COVID threat faced:Regulatory challenges COVID threat faced:Regulatory challenges 324 1 No 1 Yes COVID threat faced:Uncertainty affects investment COVID threat faced:Uncertainty affects investment 324 1 No 1 Yes COVID threat faced:Other,specify COVID threat faced:Other,specify 324 1 No 1 Yes 1: Specify the other challenges are you facing with your business with the threa Specify the other challenges are you facing with your business with the threa 324 2: In your opinion, what would be the most needed or helpful policies to support In your opinion, what would be the most needed policies to support your business to recover from the COVID-19 crisis? [DO NOT PROMPT, LISTEN AND SELECT THE RESPONSE(S) THAT BEST APPLY] 324 Most needed COVID policy:Flexible business loans Most needed COVID policy:Flexible business loans 324 1 No 1 Yes Most needed COVID policy:Employee salary coverage Most needed COVID policy:Employee salary coverage 324 1 No 1 Yes Most needed COVID policy:Rent/fixed costs coverage Most needed COVID policy:Rent/fixed costs coverage 324 1 No 1 Yes Most needed COVID policy:Tax cuts Most needed COVID policy:Tax cuts 324 1 No 1 Yes Most needed COVID policy:Programs that help HH consumption Most needed COVID policy:Programs that help HH consumption 324 1 No 1 Yes Most needed COVID policy:Other Most needed COVID policy:Other 324 1 No 1 Yes Most needed COVID policy:Controlling inflation Most needed COVID policy:Controlling inflation 324 1 No 1 Yes Most needed COVID policy:Providing workspace Most needed COVID policy:Providing workspace 324 1 No 1 Yes 2: Specify your other opinion, what would be the most needed or helpful policies Specify your other opinion, what would be the most needed or helpful policies 324 Date/time submitted Date/time submitted 324 2021-09-06 19:26:56 2021-10-12 14:55:34