DDI_GHA_2006_FSS_v01_M Ghana Statistical Service Accelerated Data Program 2008-07-31 NADA Version 02 (October 2013). Edited version based on Version 01 (July 2008) DDI that was done by Ghana Statistical Service and reviewed by Accelerated Data Program, International Household Survey Network. Financial Service Survey 2006 FSS 2006 GHA_2006_FSS_v01_M Ghana Statistical Service (GSS) NADA World Bank Government Statistician World Bank Microdata Library Other Household Survey [hh/oth] This is the first time the Financial Service Survey has been implemented in Ghana. v01: Final datasets and other documentation on the Financial Service Survey. This is the first time this Financial Service Survey has been implemented in the country. Financial services Credit Savings income, property and investment/saving [1.5] basic skills education [6.1] The purpose was to find out household's access to and use of available financial services.This was a follow-up to an earlier test of survey designs regarding household access to financial services. The underlying premise is that the identity of a respondent can affect the quality and completeness of the information provided, especially when that respondent is providing information about other household members. The survey will examine whether questions about specific products (e.g. credit cards, life insurance policies, savings clubs) elicit more complete information than questions asking whether a respondent uses services from a type of provider (e.g. commercial bank, credit union). To derive the data necessary for these tests, the Financial Service Survey incorporated an experimental design in which one of three versions of the survey instrument (questionnaire) was randomly administered to each household. Individual household members were also randomly selected to respond to some sections of the questionnaire. Ghana National coverage Household, individual The survey covered all adult household members (usual residents) aged 15 years and older. Sample survey data [ssd] The scope of the Financial Service Survey includes: Household: Household listing and demograhpic information on household members. Individuals: Access to and use of financial services (including savings, credit, loans, etc.) by household members, heads of household and randomly selected members, actions and attitudes towards access and use of various financial services including savings, credit, loans, insurance, pension funds, etc. Ghana Statistical Service The most recently visited enumeration areas (EAs) for the Ghana Living Standards Survey Round 5 (GLSS5) were targeted for the survey. This is because the characteristics of these households may not have changed much, and they were more likely to recollect information they had already provided. All the 120 EAs visited in the 10th and 11th cycles of the GLSS5 were included in the survey, with an additional 34 EAs selected from the 60 EAs visited in the 9th cycle. Households within the 154 EAs were listed and 15 selected randomly from each EA yielding a total of 2,310 households. Face-to-face [f2f] Three types of questionnaires were used in the survey: 1. Group 1 Questionnaire - All questions in the three (3) sections were administered to all household members aged 15 years and older. It collected information on background characteristics, the use of financial services and products and actions and attitudes towards accessing and using financial services and products. 2. Group 2 Questionnaire - Sections 1 and 2 of this questionnaire were administered to all household members aged 15 years and older. Sections 3 and 4 were administered to household members randomly selected using the Kish Grid based on given criteria. 3. Group 3 Questionnaire - All questions in section (1) were administered to heads of household and one randomly selected household member and covered background characteristics. Section two (2) was administered to heads of household and covered the use of financial services. Sections 3 and 4 were administered to a randomly selected household member and covered the use of financial services and products and actions and attitudes towards access and use of financial services and products. All the questionnaires were in English and whenever necessary, the interview was conducted in a language of the respondent's choice. An interpreter was also used where the interviewer was not proficient in the respondent's choice of language. Training: A 5-day residential training was organized for both supervisors and enumerators during which they were guided through the various sections of the questionnaires. The supervisors were personnel of the GSS who had been used to pre-test the questionnaires. Field practice: As part of the training programme, trainees were made to administer the questionnaires in selected communities to give them a feel of how interviewing will be like during the actual field enumeration. Written assessment: During the period of the training, written assessments were done to test the level of undertanding of the definitions and concepts that were to be employed in the data collection. Field personnel were selected for the main fieldwork based on their performance in the assessments and field practice. Interviewing team: The interviewing team comprised a Supervisor, two interviewers, a data entry operator and a driver. Interviewing language: The interviews were conducted in the language preferred by the respondent. In cases where the interviewer was not proficient in the respondent's language, an interpreter was used. Interviewing was conducted by teams; each team being made up of a Supervisor and three interviewers. The role of the supervisor was: to meet community leaders to inform them about the purpose of the survey and solicit their cooperation, review the work of each enumerator and take corrective measures where necessary, assist in the resolution of any problems including uncooperative respondents. There were field coordinators who visited the teams to check samples of the completed questionnaires to ensure consistency and completeness. The GSS data editing occurs at three levels: 1. Field editing by interviewers and supervisors 2. Office editing 3. Data cleaning and imputation Out of the 2,310 households selected for the survey, 2,292 were identified and successfully enumerated. This yielded a response rate of 99.2 percent. Ghana Statistical Service (GSS) requires all users to keep information and data strictly confidential. In this regard, before being granted access to datasets, all users have to formally agree to observe the following: 1. Not to make copies of any files or portions of files to which access has been granted except with the authorization by GSS 2. Not to willfully identify any individual or household or establishment in the dataset 3. To hold in strictest confidence, the identity of any individual or household or establishment that may be inadvertently revealed in any documents or discussion, or analysis. Such unintended identification revealed should be immediately brought to the attention of GSS. 4. Data obtained from GSS are protected by copyright law and therefore not for re-distribution or sale 5. Prospective clients or data users may indicate in an affidavit confidentiality of data they access. Government Statistician "Ghana Statistical Service, Financial Service Survey 2006 (FSS 2006), v01, provided by the National Data Archive. http://www.statsghana.gov.gh/nada/index.php/catalog/16" The Ghana Statistical Service as a public institution has the obligation to promote data dissemination to facilitate national development. Making mcrodata available will enable students and the academia to conduct research works, assist investors to take business decision, help the individual to evaluate and take appropriate decisions. It will also assist the government to formulate appropriate policies and programmes to facilitate national development. GSS' policy framework provides access to data through: 1. Public use files. These categories of data sets are accessible by all without any payment. They are available on-line to all interested users, for research and statistical purposes only. 2. Licensed datasets. These categories of data sets are accessible under certain conditions. Thus, prospective clients/data users may access any data based on certain conditions set by the GSS. 3. Datasets only accessible on location. We consider this category as a data enclave where some data sets are only accessible at GSS offices and prospective data users and researches have to physically be available at GSS offices for further discussions before data are released. Thus, data enclave would not be linked to the outside world through our web site or other medium. The following terms and conditions apply: Before being granted access to the dataset, all users have to formally agree: 1. To make no copies of any files or portions of files for which access has been granted, except those authorized by GSS. 2. Not to use any technique in an attempt to identify any person, establishment, or sampling unit. 3. To hold in strictest confidence, the identification of any establishment or individual that may be inadvertently revealed in any documents or discussion, or analysis. Such inadvertent identification revealed in her/his analysis will be immediately brought to the attention of the GSS. 4. The data and other materials will not be redistributed or sold to other individuals, institutions, or organizations without the written agreement of GSS. 5. The data will be used for statistical and scientific research purposes only. 6. The data will be used solely for reporting of aggregated information, and not for investigation of specific individuals or organizations. 7. No attempt will be made to identify respondents, and no use will be made of the identity of any person or establishment discovered inadvertently. Any such discovery would immediately be reported to the GSS. 8. No attempt will be made to produce links among datasets provided by the GSS with other datasets that could identify individuals or organizations. 9. Any books, articles, conference papers, theses, dissertations, reports, or other publications that employ data obtained from the GSS would cite the source of data in accordance with the citation statement provided with the dataset 10. An electronic copy of all reports and publications based on the requested data will be sent to the GSS. The original collector of the data, Ghana Statistical Service, other producers and sponsors cited in this document bear no responsibility for use of the data, for interpretations and inferences based upon such uses. Section 1 - Respondent characteristics The file contains information on the background of household members. Some of the housholds were enumerated in the GLSS5 from which the EAs were drawn and so do not answer some questions. Information relate to age, sex, marital status, relationship to head of household, educational attainment and employment status. 0 24 Section 2 - Access and use of financial services and products The dataset provides information on the use of available financial services and products. Questions were asked of all household members, heads of households as well as randomly selected household members who answered according to sections that related to them. Information collected include the use of various financial services such as banking, credit schemes; and financial products such as credits, overdrafts and loans. Data are also available on other financial services including insurance and pension fund. 0 27 Section 3 - Access and use of financial services and products This section of the questionnaire also provides information of financial services and products available to selected and products by the head of household and a randomly selected member of the househol. It deals with the previous and current use of these services and products. The information collected include the use of ATMs, credit or debit cards, current and savings accounts, access to and use of formal and informal banking services, access to pension or insurance funds, loans and microfinance. 0 91 Section 4 - Actions and attitudes towards use of financial services and products This dataset presents information on the actions and attitudes towards accessing and using financial services and products. The questions were asked of household heads and randomly selected household members. The information collected include reasons why people do not have a bank account, guarantees required for a bank loan, reasons for applying or not applying for a loan, and loans and other credits applied for during the 12 months prior to the data collection. 0 106 Cluster number Cluster number Cluster number Cluster number Cluster number Household number Household number Household number Household number Household number Household identification Household identification Household identification Household identification Household identification Questionnaire group Questionnaire group Questionnaire group Questionnaire group Questionnaire group Person number in Section 1 of questionnaires Person number in Section 1 of questionnaires Person number in Section 1 of questionnaires Person number in Section 1 of questionnaires Person number in Section 1 of questionnaires Language used by respondent Language used by respondent Language used by respondent Language used by respondent Language used by respondent LANGUAGE USED BY RESPONDENT 1 English 2 Akan 3 Ewe 4 Ga-Dangme 5 Dagbani 6 Frafra 7 Nzema 8 Other Whether interpreter was used Whether interpreter was used Whether interpreter was used Whether interpreter was used Whether interpreter was used WAS AN INTERPRETER USED? 1 Yes 2 No Sex of respondent Sex of respondent Sex of respondent Sex of respondent Sex of respondent Is (NAME)..... 1 Male 2 Female Whether person was a household member during GLSS5 Whether person was a household member during GLSS5 Whether person was a household member during GLSS5 Whether person was a household member during GLSS5 Whether person was a household member during GLSS5 WAS THIS PERSON A HOUSEHOLD MEMBER DURING THE GLSS 5? 1 Yes 2 No Person number of household member as recorded in GLSS5 Person number of household member as recorded in GLSS5 Person number of household member as recorded in GLSS5 Person number of household member as recorded in GLSS5 Person number of household member as recorded in GLSS5 RECORD THE ID NUMBER FROM THE GLSS 5 Relationship of persons to household head Relationship of persons to household head Relationship of persons to household head Relationship of persons to household head Relationship of persons to household head What is the relationship of (NAME) to head of household? 1 Head 2 Spouse 3 Child 4 Grandchild 5 Parent/Parent-in-law 6 Son/Daughter-in-law 7 Other relative 8 Adopted/Foster/Step child 9 Househelp 10 Non-relative Age of household members in completed years Age of household members in completed years Age of household members in completed years Age of household members in completed years Age of household members in completed years What is (NAME's)age? Marital status of household members Marital status of household members Marital status of household members Marital status of household members Marital status of household members What is (NAME's) present marital status? 1 Married 2 Consensual union 3 Separated 4 Divorced 5 Widowed 6 Never married Whether respondent's spouse was living in the household Whether respondent's spouse was living in the household Whether respondent's spouse was living in the household Whether respondent's spouse was living in the household Whether respondent's spouse was living in the household Does (NAME's) spouse live in the household? 1 Yes 2 No Person number of spouse Person number of spouse Person number of spouse Person number of spouse Person number of spouse COPY THE ID CODE OF THE SPOUSE Whether respondent's father was living in the household Whether respondent's father was living in the household Whether respondent's father was living in the household Whether respondent's father was living in the household Whether respondent's father was living in the household Does (NAME's) father live in this household? 1 Yes 2 No Person number of father Person number of father Person number of father Person number of father Person number of father COPY ID CODE OF FATHER Whether respondent's mother was living in the household Whether respondent's mother was living in the household Whether respondent's mother was living in the household Whether respondent's mother was living in the household Whether respondent's mother was living in the household Does (NAME's) mother live in this household? 1 Yes 2 No Person number of mother Person number of mother Person number of mother Person number of mother Person number of mother COPY ID CODE OF MOTHER Whether person in household has ever attended school Whether person in household has ever attended school Whether person in household has ever attended school Whether person in household has ever attended school Whether person in household has ever attended school Has (NAME)ever attended school? 1 Yes 2 No Highest grade completed by person living in the household Highest grade completed by person living in the household Highest grade completed by person living in the household Highest grade completed by person living in the household Highest grade completed by person living in the household What was the highest grade completed? None 1 Pre-school 11 P1 12 P2 13 P3 14 P4 15 P5 16 P6 17 JSS1 18 JSS2 19 JSS3 20 M1 21 M2 22 M3 23 M4 24 SSS1 25 SSS2 26 SSS3 27 S1 28 S2 29 S3 30 S4 31 S5 32 L6 33 U6 41 Voc/Tech/Computer/Comm/Agric 42 Teacher training 43 Nursing 51 Polytechnic 52 University 53 Other tertiary 61 Other specify Whether person in household worked for pay, profit or family gain in last 7days Whether person in household worked for pay, profit or family gain in last 7days Whether person in household worked for pay, profit or family gain in last 7days Whether person in household worked for pay, profit or family gain in last 7days Whether person in household worked for pay, profit or family gain in last 7days Did (NAME) do any work for pay, profit, family gain or did (NAME) produce anything for barter or home use during the last 7 days (including temporary absence from work)? 1 Yes 2 No How many months person in household had been absent during past 12 months? How many months person in household had been absent during past 12 months? How many months person in household had been absent during past 12 months? How many months person in household had been absent during past 12 months? How many months person in household had been absent during past 12 months? For how many months during the past 12 months has (NAME) been away from this household? While absent, was the person a member of another household? While absent, was the person a member of another household? While absent, was the person a member of another household? While absent, was the person a member of another household? While absent, was the person a member of another household? While absent, was (NAME) a member of another household? (including single person household). 1 Yes 2 No Cluster number Cluster number Cluster number Cluster number Cluster number Household number Household number Household number Household number Household number Household identification Household identification Household identification Household identification Household identification Questionnaire group Questionnaire group Questionnaire group Questionnaire group Questionnaire group Person number in Section 2 of questionnaires Person number in Section 2 of questionnaires Person number in Section 2 of questionnaires Person number in Section 2 of questionnaires Person number in Section 2 of questionnaires Does respondent have a bank account? Does respondent have a bank account? Does respondent have a bank account? Does respondent have a bank account? Does respondent have a bank account? Some people like to keep their money in an account with a bank. Do you have a bank account? 1 Yes 2 No What is the name of respondent's First bank? What is the name of respondent's First bank? What is the name of respondent's First bank? What is the name of respondent's First bank? What is the name of respondent's First bank? What is (are) the name(s) of the bank(s) where you have an account? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited What is the name of respondent's Second bank? What is the name of respondent's Second bank? What is the name of respondent's Second bank? What is the name of respondent's Second bank? What is the name of respondent's Second bank? What is (are) the name(s) of the bank(s) where you have an account? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited What is the name of respondent's Third bank? What is the name of respondent's Third bank? What is the name of respondent's Third bank? What is the name of respondent's Third bank? What is the name of respondent's Third bank? What is (are) the name(s) of the bank(s) where you have an account? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited Does respondent perform transactions using someone else's account? Does respondent perform transactions using someone else's account? Does respondent perform transactions using someone else's account? Does respondent perform transactions using someone else's account? Does respondent perform transactions using someone else's account? Do you perform banking transactions using someone else's account? 1 Yes 2 No Is the transaction made through a household member's account or someone else's? Is the transaction made through a household member's account or someone else's? Is the transaction made through a household member's account or someone else's? Is the transaction made through a household member's account or someone else's? Is the transaction made through a household member's account or someone else's? Is this through a household member's account or the account of someone else? 1 Household member 2 Not household member 3 Both Has respondent saved money through a credit union or savings association in the past 12 months? Has respondent saved money through a credit union or savings association in the past 12 months? Has respondent saved money through a credit union or savings association in the past 12 months? Has respondent saved money through a credit union or savings association in the past 12 months? Has respondent saved money through a credit union or savings association in the past 12 months? Now think of all the ways that you save money. We are not talking about investing in a business or buying land , but only about where you put money to use later. Have you used a non-bank financial institution such as a credit union, savings association, etc. to save money in the past 12 months? 1 Yes 2 No Name of First banking institution respondent saved with in the past 12 months Name of First banking institution respondent saved with in the past 12 months Name of First banking institution respondent saved with in the past 12 months Name of First banking institution respondent saved with in the past 12 months Name of First banking institution respondent saved with in the past 12 months What is(are) the name(s) of the institution(s) that you have used to save money in the past 12 months? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited 25 Credit union 26 Susu 27 Welfare scheme 28 Savings associations Name of Second banking institution respondent saved with in the past 12 months Name of Second banking institution respondent saved with in the past 12 months Name of Second banking institution respondent saved with in the past 12 months Name of Second banking institution respondent saved with in the past 12 months Name of Second banking institution respondent saved with in the past 12 months What is(are) the name(s) of the institution(s) that you have used to save money in the past 12 months? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited 25 Credit union 26 Susu 27 Welfare scheme 28 Savings associations Name of Third banking institution respondent saved with in the past 12 months Name of Third banking institution respondent saved with in the past 12 months Name of Third banking institution respondent saved with in the past 12 months Name of Third banking institution respondent saved with in the past 12 months Name of Third banking institution respondent saved with in the past 12 months What is(are) the name(s) of the institution(s) that you have used to save money in the past 12 months? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited 25 Credit union 26 Susu 27 Welfare scheme 28 Savings associations Has respondent used a susu or welfare scheme to save in the past 12 months? Has respondent used a susu or welfare scheme to save in the past 12 months? Has respondent used a susu or welfare scheme to save in the past 12 months? Has respondent used a susu or welfare scheme to save in the past 12 months? Has respondent used a susu or welfare scheme to save in the past 12 months? Have you used a Susu, Welfare scheme or other Savings club to save money in the past 12 months? 1 Yes 2 No Has respondent bought any items on credit through a banking or non-banking institution? Has respondent bought any items on credit through a banking or non-banking institution? Has respondent bought any items on credit through a banking or non-banking institution? Has respondent bought any items on credit through a banking or non-banking institution? Has respondent bought any items on credit through a banking or non-banking institution? Many people borrow money or buy things on credit. Have you used an institution such as a credit union, savings association, or a bank to borrow money or to buy on credit in the past 12 months? 1 Yes 2 No Name of First credit institution used by respondent to borrow or buy in the past 12 months Name of First credit institution used by respondent to borrow or buy in the past 12 months Name of First credit institution used by respondent to borrow or buy in the past 12 months Name of First credit institution used by respondent to borrow or buy in the past 12 months Name of First credit institution used by respondent to borrow or buy in the past 12 months What is (are) the name(s) of the institution(s) that you have used to borrow or to buy on credit in the past 12 months? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited 25 Post Office Bank 26 Credit Union 27 Susu 28 Welfare schemes and Savings Associations Name of Second credit institution used by respondent to borrow or buy in the past 12 months Name of Second credit institution used by respondent to borrow or buy in the past 12 months Name of Second credit institution used by respondent to borrow or buy in the past 12 months Name of Second credit institution used by respondent to borrow or buy in the past 12 months Name of Second credit institution used by respondent to borrow or buy in the past 12 months What is (are) the name(s) of the institution(s) that you have used to borrow or to buy on credit in the past 12 months? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited 25 Post Office Bank 26 Credit Union 27 Susu 28 Welfare schemes and Savings Associations Name of Third credit institution used by respondent to borrow or buy in the past 12 months Name of Third credit institution used by respondent to borrow or buy in the past 12 months Name of Third credit institution used by respondent to borrow or buy in the past 12 months Name of Third credit institution used by respondent to borrow or buy in the past 12 months Name of Third credit institution used by respondent to borrow or buy in the past 12 months What is (are) the name(s) of the institution(s) that you have used to borrow or to buy on credit in the past 12 months? 1 Ghana Commercial Bank 2 Barclays Bank 3 Standard Chartered Bank 4 Amalgamated Bank 5 Prudential Bank 6 CAL Merchant Bank 7 Merchant Bank 8 Trust Bank Limited 9 Agricultural Development Bank 10 Home Finance Company Bank 11 National Investment Bank 12 Ecobank Ghana Limited 13 Fidelity Bank Limited 14 First Atlantic Merchant Bank 15 International Commercial Bank 16 Metropolitan and Allied Bank 17 SG-SSB Bank 18 Stanbic Bank Limited 19 Unibank Ghana Limited 20 Standard Trust Bank Ghana Limited 21 Zenith Bank Ghana Limited 22 Guaranty Trust Bank Limited 23 Intercontinental Bank Ghana Limited 24 Apex Bank Limited 25 Post Office Bank 26 Credit Union 27 Susu 28 Welfare schemes and Savings Associations Has respondent borrowed money through susu or welfare scheme in the past 12 months? Has respondent borrowed money through susu or welfare scheme in the past 12 months? Has respondent borrowed money through susu or welfare scheme in the past 12 months? Has respondent borrowed money through susu or welfare scheme in the past 12 months? Has respondent borrowed money through susu or welfare scheme in the past 12 months? Have you used a Susu, Welfare scheme or other Savings club to borrow money in the past 12 months? 1 Yes 2 No Has respondent taken any insurance policy in the past 12 months? Has respondent taken any insurance policy in the past 12 months? Has respondent taken any insurance policy in the past 12 months? Has respondent taken any insurance policy in the past 12 months? Has respondent taken any insurance policy in the past 12 months? Many people insure themselves and their possessions against unexpected circumstances. Have you used any institution to insure yourself (life, health) or your property (household goods, house, vehicle and the like) in the past 12 months? That is, do you have any long or short term insurance policy with any institution (s)? 1 Yes 2 No Name of First insurance institution used by respondent to insure in the past 12 months Name of First insurance institution used by respondent to insure in the past 12 months Name of First insurance institution used by respondent to insure in the past 12 months Name of First insurance institution used by respondent to insure in the past 12 months Name of First insurance institution used by respondent to insure in the past 12 months What is(are) the name(s) of the institution(s) that you have used to insure yourself (life, health) or your property (household goods, vehicles and the like) in the past 12 months? 1 Beacon Insurance Company 2 CDH Insurance Company Limited 3 Benefit Insurance Company 4 Donewell Insurance Company 5 Enterprise Life Assurance Company 6 Enterprise Insurance Company 7 Ghana Union Assurance 8 Gemini Life Insurance Company 9 Ghana Life Insurance Company 10 Metropolitan Insurance Company 11 Network Assurance Company 12 Phoenix Insurance Company 13 Provident Insurance Company 14 Quality Insurance Company 15 State Insurance Company 16 Starlife Insurance Company 17 Star Assurance Company 18 Unique Insurance Company Limited 19 Vanguard Assurance Company 20 Global Alliance Insurance Company 21 Glico Genaral 22 MetLife Insurance Ghana 23 Ghana Reinsurance 24 Mainstream Reinsurance 25 District Mutual Health Insurance Name of Second insurance institution used by respondent to insure in the past 12 months Name of Second insurance institution used by respondent to insure in the past 12 months Name of Second insurance institution used by respondent to insure in the past 12 months Name of Second insurance institution used by respondent to insure in the past 12 months Name of Second insurance institution used by respondent to insure in the past 12 months What is(are) the name(s) of the institution(s) that you have used to insure yourself (life, health) or your property (household goods, vehicles and the like) in the past 12 months? 1 Beacon Insurance Company 2 CDH Insurance Company Limited 3 Benefit Insurance Company 4 Donewell Insurance Company 5 Enterprise Life Assurance Company 6 Enterprise Insurance Company 7 Ghana Union Assurance 8 Gemini Life Insurance Company 9 Ghana Life Insurance Company 10 Metropolitan Insurance Company 11 Network Assurance Company 12 Phoenix Insurance Company 13 Provident Insurance Company 14 Quality Insurance Company 15 State Insurance Company 16 Starlife Insurance Company 17 Star Assurance Company 18 Unique Insurance Company Limited 19 Vanguard Assurance Company 20 Global Alliance Insurance Company 21 Glico Genaral 22 MetLife Insurance Ghana 23 Ghana Reinsurance 24 Mainstream Reinsurance 25 District Mutual Health Insurance Name of Third insurance institution used by respondent to insure in the past 12 months Name of Third insurance institution used by respondent to insure in the past 12 months Name of Third insurance institution used by respondent to insure in the past 12 months Name of Third insurance institution used by respondent to insure in the past 12 months Name of Third insurance institution used by respondent to insure in the past 12 months What is(are) the name(s) of the institution(s) that you have used to insure yourself (life, health) or your property (household goods, vehicles and the like) in the past 12 months? 1 Beacon Insurance Company 2 CDH Insurance Company Limited 3 Benefit Insurance Company 4 Donewell Insurance Company 5 Enterprise Life Assurance Company 6 Enterprise Insurance Company 7 Ghana Union Assurance 8 Gemini Life Insurance Company 9 Ghana Life Insurance Company 10 Metropolitan Insurance Company 11 Network Assurance Company 12 Phoenix Insurance Company 13 Provident Insurance Company 14 Quality Insurance Company 15 State Insurance Company 16 Starlife Insurance Company 17 Star Assurance Company 18 Unique Insurance Company Limited 19 Vanguard Assurance Company 20 Global Alliance Insurance Company 21 Glico Genaral 22 MetLife Insurance Ghana 23 Ghana Reinsurance 24 Mainstream Reinsurance 25 District Mutual Health Insurance Did respondent answer for himself or herself? Did respondent answer for himself or herself? Did respondent answer for himself or herself? Did respondent answer for himself or herself? Did respondent answer for himself or herself? INTERVIEWER: DID THE RESPONDENT ANSWER FOR HIMSELF OR HERSELF? 1 Yes 2 No Person number of respondent Person number of respondent Person number of respondent Person number of respondent Person number of respondent INTERVIEWER: WRITE THE CODE OF THE PERSON WHO RESPONDED Cluster number Cluster number Cluster number Cluster number Cluster number Household number Household number Household number Household number Household number Household identification Household identification Household identification Household identification Household identification Questionnaire group Questionnaire group Questionnaire group Questionnaire group Questionnaire group Person number for Section 3 of questionnaires Person number for Section 3 of questionnaires Person number for Section 3 of questionnaires Person number for Section 3 of questionnaires Person number for Section 3 of questionnaires Ever had an ATM card? Ever had an ATM card? Ever had an ATM card? Ever had an ATM card? Ever had an ATM card? Have you ever had: ATM card? 1 Yes 2 No Currently have an ATM card? Currently have an ATM card? Currently have an ATM card? Currently have an ATM card? Currently have an ATM card? Do you currently have: ATM card? 1 Yes 2 No Ever had a Debit card? Ever had a Debit card? Ever had a Debit card? Ever had a Debit card? Ever had a Debit card? Have you ever had: Debit card or cheque card? 1 Yes 2 No Currently have a Debit card? Currently have a Debit card? Currently have a Debit card? Currently have a Debit card? Currently have a Debit card? Do you currently have: Debit card or cheque card? 1 Yes 2 No Ever had a Savings plus account? Ever had a Savings plus account? Ever had a Savings plus account? Ever had a Savings plus account? Ever had a Savings plus account? Have you ever had: Savings plus account? 1 Yes 2 No Currently have a Savings plus account? Currently have a Savings plus account? Currently have a Savings plus account? Currently have a Savings plus account? Currently have a Savings plus account? Do you currently have: Savings plus account? 1 Yes 2 No Ever had a Current account? Ever had a Current account? Ever had a Current account? Ever had a Current account? Ever had a Current account? Have you ever had: Current account? 1 Yes 2 No Currently have a Current account? Currently have a Current account? Currently have a Current account? Currently have a Current account? Currently have a Current account? Do you currently have: Current account? 1 Yes 2 No Ever had a Savings account at bank? Ever had a Savings account at bank? Ever had a Savings account at bank? Ever had a Savings account at bank? Ever had a Savings account at bank? Have you ever had: Savings account with a bank? 1 Yes 2 No Currently have a Savings account at bank? Currently have a Savings account at bank? Currently have a Savings account at bank? Currently have a Savings account at bank? Currently have a Savings account at bank? Do you currently have: Savings account at bank? 1 Yes 2 No Ever had Post bank account? Ever had Post bank account? Ever had Post bank account? Ever had Post bank account? Ever had Post bank account? Have you ever had: Post Bank account/Post Office savings account? 1 Yes 2 No Currently have Post bank account? Currently have Post bank account? Currently have Post bank account? Currently have Post bank account? Currently have Post bank account? Do you currently have: Post Bank account/Post Office savings account? 1 Yes 2 No Ever had Short term investments? Ever had Short term investments? Ever had Short term investments? Ever had Short term investments? Ever had Short term investments? Have you ever had: Short term investments such as certificates of deposit, treasury bills and treasury notes or money market funds? 1 Yes 2 No Currently have Short term investments? Currently have Short term investments? Currently have Short term investments? Currently have Short term investments? Currently have Short term investments? Do you currently have: Short term investments such as certificates of deposit, treasury bills and treasury notes or money market funds? 1 Yes 2 No Ever had access to the use of a bank for transactions without need to hold any account? Ever had access to the use of a bank for transactions without need to hold any account? Ever had access to the use of a bank for transactions without need to hold any account? Ever had access to the use of a bank for transactions without need to hold any account? Ever had access to the use of a bank for transactions without need to hold any account? Have hou ever had: Access to the use of a bank for transactions without need to hold any account (including through someone else's account)? 1 Yes 2 No Currently have access to the use of a bank for transactions without need to hold any account? Currently have access to the use of a bank for transactions without need to hold any account? Currently have access to the use of a bank for transactions without need to hold any account? Currently have access to the use of a bank for transactions without need to hold any account? Currently have access to the use of a bank for transactions without need to hold any account? Do you currently have: Access to the use of a bank for transactions without need to hold any account (including through someone else's account)? 1 Yes 2 No Ever had access to the use of other formal financial service provider without need for an account? Ever had access to the use of other formal financial service provider without need for an account? Ever had access to the use of other formal financial service provider without need for an account? Ever had access to the use of other formal financial service provider without need for an account? Ever had access to the use of other formal financial service provider without need for an account? Have you ever had: Access to the use of other formal financial service provider, without the need for an account (e.g. money transfer service provider)? 1 Yes 2 No Currently have access to the use of other formal financial services without need for an account? Currently have access to the use of other formal financial services without need for an account? Currently have access to the use of other formal financial services without need for an account? Currently have access to the use of other formal financial services without need for an account? Currently have access to the use of other formal financial services without need for an account? Do you currently have: Access to the use of other formal financial service provider, without the need for an account (e.g. money transfer service provider)? 1 Yes 2 No Ever had access to the use of payments/receipts services through informal channels? Ever had access to the use of payments/receipts services through informal channels? Ever had access to the use of payments/receipts services through informal channels? Ever had access to the use of payments/receipts services through informal channels? Ever had access to the use of payments/receipts services through informal channels? Have you ever had: Access to the use of payments or receipt services through informal channels? 1 Yes 2 No Currently have access to the use of payments/receipts services through informal channels? Currently have access to the use of payments/receipts services through informal channels? Currently have access to the use of payments/receipts services through informal channels? Currently have access to the use of payments/receipts services through informal channels? Currently have access to the use of payments/receipts services through informal channels? Do you currently have: Access to the use of payments or receipt services through informal channels? 1 Yes 2 No Ever had Savings with a regulated micro-finance institution? Ever had Savings with a regulated micro-finance institution? Ever had Savings with a regulated micro-finance institution? Ever had Savings with a regulated micro-finance institution? Ever had Savings with a regulated micro-finance institution? Have you ever had: Savings with a regulated microfinance institution (e.g. SINAPI ABA)? 1 Yes 2 No Currently have Savings with a regulated micro-finance institution? Currently have Savings with a regulated micro-finance institution? Currently have Savings with a regulated micro-finance institution? Currently have Savings with a regulated micro-finance institution? Currently have Savings with a regulated micro-finance institution? Do you currently have: Savings with a regulated microfinance institution (e.g. SINAPI ABA)? 1 Yes 2 No Ever had Savings with a credit union? Ever had Savings with a credit union? Ever had Savings with a credit union? Ever had Savings with a credit union? Ever had Savings with a credit union? Have you ever had: Savings with a credit union? 1 Yes 2 No Currently have Savings with a credit union? Currently have Savings with a credit union? Currently have Savings with a credit union? Currently have Savings with a credit union? Currently have Savings with a credit union? Do you currently have: Savings with a credit union? 1 Yes 2 No Ever used a Susu scheme? Ever used a Susu scheme? Ever used a Susu scheme? Ever used a Susu scheme? Ever used a Susu scheme? Have you ever used a Susu scheme? 1 Yes 2 No Currently using a Susu scheme? Currently using a Susu scheme? Currently using a Susu scheme? Currently using a Susu scheme? Currently using a Susu scheme? Do you currently use Susu scheme? 1 Yes 2 No Ever used a Welfare scheme? Ever used a Welfare scheme? Ever used a Welfare scheme? Ever used a Welfare scheme? Ever used a Welfare scheme? Have you ever used a Welfare scheme, other savings club(e.g. with religious organization)? 1 Yes 2 No Currently using a Welfare scheme? Currently using a Welfare scheme? Currently using a Welfare scheme? Currently using a Welfare scheme? Currently using a Welfare scheme? Do you currently use Welfare scheme, other savings club(e.g. with religious organization)? 1 Yes 2 No Ever had Shares in a company and investment fund? Ever had Shares in a company and investment fund? Ever had Shares in a company and investment fund? Ever had Shares in a company and investment fund? Ever had Shares in a company and investment fund? Have you ever had: Shares in a company, or in an investment fund including mutual funds and investment trusts? 1 Yes 2 No Currently have Shares in a company and investment fund? Currently have Shares in a company and investment fund? Currently have Shares in a company and investment fund? Currently have Shares in a company and investment fund? Currently have Shares in a company and investment fund? Do you currently have: Shares in a company, or in an investment fund including mutual funds and investment trusts? 1 Yes 2 No Ever had a Provident fund? Ever had a Provident fund? Ever had a Provident fund? Ever had a Provident fund? Ever had a Provident fund? Have you ever had: Provident fund? 1 Yes 2 No Currently have a Provident fund? Currently have a Provident fund? Currently have a Provident fund? Currently have a Provident fund? Currently have a Provident fund? Do you currently have: Provident fund? 1 Yes 2 No Ever had a Pension fund? Ever had a Pension fund? Ever had a Pension fund? Ever had a Pension fund? Ever had a Pension fund? Have you ever had: Pension fund (or any collective savings program that will provide you with income upon retirement)? 1 Yes 2 No Currently have a Pension fund? Currently have a Pension fund? Currently have a Pension fund? Currently have a Pension fund? Currently have a Pension fund? Do your currently have: Pension fund (or any collective savings program that will provide you with income upon retirement)? 1 Yes 2 No Ever had a loan from a Bank for any purpose? Ever had a loan from a Bank for any purpose? Ever had a loan from a Bank for any purpose? Ever had a loan from a Bank for any purpose? Ever had a loan from a Bank for any purpose? Have you ever had: A loan from a bank for any purpose (e.g pay school fees, rent, medical expenses, buy items for the house, vehicles, buy or improve housing)? 1 Yes 2 No Currently have a loan from a Bank for any purpose? Currently have a loan from a Bank for any purpose? Currently have a loan from a Bank for any purpose? Currently have a loan from a Bank for any purpose? Currently have a loan from a Bank for any purpose? Do you currently have: A loan from a bank for any purpose (e.g pay school fees, rent, medical expenses, buy items for the house, vehicles, buy or improve housing)? 1 Yes 2 No Ever had a loan from Government for any purpose? Ever had a loan from Government for any purpose? Ever had a loan from Government for any purpose? Ever had a loan from Government for any purpose? Ever had a loan from Government for any purpose? Have you ever had: Loan from government for any purpose, such as buying or improving your housing? 1 Yes 2 No Currently have a loan from Government for any purpose? Currently have a loan from Government for any purpose? Currently have a loan from Government for any purpose? Currently have a loan from Government for any purpose? Currently have a loan from Government for any purpose? Do you currently have: Loan from government for any purpose, such as buying or improving your housing? 1 Yes 2 No Ever had a loan from Credit union for any purpose? Ever had a loan from Credit union for any purpose? Ever had a loan from Credit union for any purpose? Ever had a loan from Credit union for any purpose? Ever had a loan from Credit union for any purpose? Have you ever had : A loan from a credit union for any purpose (e.g. pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Currently have a loan from a Credit union for any purpose? Currently have a loan from a Credit union for any purpose? Currently have a loan from a Credit union for any purpose? Currently have a loan from a Credit union for any purpose? Currently have a loan from a Credit union for any purpose? Do you currently have: A loan from a credit union for any purpose (e.g. pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Ever had a loan from Micro-finance lender for any purpose? Ever had a loan from Micro-finance lender for any purpose? Ever had a loan from Micro-finance lender for any purpose? Ever had a loan from Micro-finance lender for any purpose? Ever had a loan from Micro-finance lender for any purpose? Have you ever had: A loan from a micro-finance lender for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Currently have a loan from Micro-finance lender for any purpose? Currently have a loan from Micro-finance lender for any purpose? Currently have a loan from Micro-finance lender for any purpose? Currently have a loan from Micro-finance lender for any purpose? Currently have a loan from Micro-finance lender for any purpose? Do you currently have: A loan from a micro-finance lender for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Ever had a loan from an Employer for any purpose? Ever had a loan from an Employer for any purpose? Ever had a loan from an Employer for any purpose? Ever had a loan from an Employer for any purpose? Ever had a loan from an Employer for any purpose? Have you ever had: A loan from an employer for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Currently have a loan from an Employer for any purpose? Currently have a loan from an Employer for any purpose? Currently have a loan from an Employer for any purpose? Currently have a loan from an Employer for any purpose? Currently have a loan from an Employer for any purpose? Do you currently have: A loan from an employer for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Ever had a loan from a Money lender for any purpose? Ever had a loan from a Money lender for any purpose? Ever had a loan from a Money lender for any purpose? Ever had a loan from a Money lender for any purpose? Ever had a loan from a Money lender for any purpose? Have you ever had: A loan from a money lender for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing) 1 Yes 2 No Currently have a loan from a Money lender for any purpose? Currently have a loan from a Money lender for any purpose? Currently have a loan from a Money lender for any purpose? Currently have a loan from a Money lender for any purpose? Currently have a loan from a Money lender for any purpose? Do you currently have: A loan from a money lender for any purpose (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Ever borrowed money from Welfare scheme or Susu? Ever borrowed money from Welfare scheme or Susu? Ever borrowed money from Welfare scheme or Susu? Ever borrowed money from Welfare scheme or Susu? Ever borrowed money from Welfare scheme or Susu? Have you ever: Borrowed money from a welfare scheme, susu or other savings club (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Currently have money borrowed from Welfare scheme or Susu? Currently have money borrowed from Welfare scheme or Susu? Currently have money borrowed from Welfare scheme or Susu? Currently have money borrowed from Welfare scheme or Susu? Currently have money borrowed from Welfare scheme or Susu? Do you currently have: Money borrowed from a welfare scheme, susu or other savings club (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Ever borrowed money from a Friend or Family member? Ever borrowed money from a Friend or Family member? Ever borrowed money from a Friend or Family member? Ever borrowed money from a Friend or Family member? Ever borrowed money from a Friend or Family member? Have you ever: Borrowed money from a friend or family member (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Currently have money borrowed from a Friend or Family member? Currently have money borrowed from a Friend or Family member? Currently have money borrowed from a Friend or Family member? Currently have money borrowed from a Friend or Family member? Currently have money borrowed from a Friend or Family member? Do you currently have: Money borrowed from a friend or family member (e.g. to pay school fees, rent, medical expenses, buy items for the house, vehicle, buy or improve housing)? 1 Yes 2 No Ever had Credit cards like visa, master card, etc? Ever had Credit cards like visa, master card, etc? Ever had Credit cards like visa, master card, etc? Ever had Credit cards like visa, master card, etc? Ever had Credit cards like visa, master card, etc? Have you ever had: Credit cards, e.g. Master card, Visa, Diners Club, etc.? 1 Yes 2 No Currently have Credit cards like visa, master card, etc? Currently have Credit cards like visa, master card, etc? Currently have Credit cards like visa, master card, etc? Currently have Credit cards like visa, master card, etc? Currently have Credit cards like visa, master card, etc? Do you currently have: Credit cards, e.g. Master card, Visa, Diners Club, etc.? 1 Yes 2 No Ever had Overdraft with a bank? Ever had Overdraft with a bank? Ever had Overdraft with a bank? Ever had Overdraft with a bank? Ever had Overdraft with a bank? Have you ever had: Overdraft with a bank? 1 Yes 2 No Currently have Overdraft with a bank? Currently have Overdraft with a bank? Currently have Overdraft with a bank? Currently have Overdraft with a bank? Currently have Overdraft with a bank? Do you currently have: Overdraft with a bank? 1 Yes 2 No Ever had Hire purchase agreement or installation plan? Ever had Hire purchase agreement or installation plan? Ever had Hire purchase agreement or installation plan? Ever had Hire purchase agreement or installation plan? Ever had Hire purchase agreement or installation plan? Have you ever had: Hire purchase agreement or installation plan? 1 Yes 2 No Currently have Hire purchase agreement or installation plan? Currently have Hire purchase agreement or installation plan? Currently have Hire purchase agreement or installation plan? Currently have Hire purchase agreement or installation plan? Currently have Hire purchase agreement or installation plan? Do you currently have: Hire purchase agreement or installation plan? 1 Yes 2 No Ever had any Other credit facility other than credit card, etc? Ever had any Other credit facility other than credit card, etc? Ever had any Other credit facility other than credit card, etc? Ever had any Other credit facility other than credit card, etc? Ever had any Other credit facility other than credit card, etc? Have you ever had: Any credit facility other than a credit card or hire purchase agreement mentioned earlier? 1 Yes 2 No Currently have any Other credit facility other than credit card, etc? Currently have any Other credit facility other than credit card, etc? Currently have any Other credit facility other than credit card, etc? Currently have any Other credit facility other than credit card, etc? Currently have any Other credit facility other than credit card, etc? Do you currently have: Any credit facility other than a credit card or hire purchase agreement mentioned earlier? 1 Yes 2 No Ever had Vehicle insurance? Ever had Vehicle insurance? Ever had Vehicle insurance? Ever had Vehicle insurance? Ever had Vehicle insurance? Have you ever had: Vehicle insurance? 1 Yes 2 No Currently have Vehicle insurance? Currently have Vehicle insurance? Currently have Vehicle insurance? Currently have Vehicle insurance? Currently have Vehicle insurance? Do you currently have: Vehicle insurance? 1 Yes 2 No Ever had Household content insurance for Tv, jewellery, etc? Ever had Household content insurance for Tv, jewellery, etc? Ever had Household content insurance for Tv, jewellery, etc? Ever had Household content insurance for Tv, jewellery, etc? Ever had Household content insurance for Tv, jewellery, etc? Have you ever had: Household content insurance (for TVs, jewellery, furniture, etc.)? 1 Yes 2 No Currently have Household content insurance for Tv, jewellery, etc? Currently have Household content insurance for Tv, jewellery, etc? Currently have Household content insurance for Tv, jewellery, etc? Currently have Household content insurance for Tv, jewellery, etc? Currently have Household content insurance for Tv, jewellery, etc? Do you currently have: Household content insurance (for TVs, jewellery, furniture, etc.)? 1 Yes 2 No Ever had Home owners' insurance? Ever had Home owners' insurance? Ever had Home owners' insurance? Ever had Home owners' insurance? Ever had Home owners' insurance? Have you ever had: Home owners' insurance (insurance on building)? 1 Yes 2 No Currently have Home owners' insurance? Currently have Home owners' insurance? Currently have Home owners' insurance? Currently have Home owners' insurance? Currently have Home owners' insurance? Do you currently have: Home owners' insurance (insurance on building)? 1 Yes 2 No Ever had insurance that pays debts if unable to pay? Ever had insurance that pays debts if unable to pay? Ever had insurance that pays debts if unable to pay? Ever had insurance that pays debts if unable to pay? Ever had insurance that pays debts if unable to pay? Have you ever had: Insurance that pays your debts if you are unable to pay? 1 Yes 2 No Currently have insurance that pays debts if unable to pay? Currently have insurance that pays debts if unable to pay? Currently have insurance that pays debts if unable to pay? Currently have insurance that pays debts if unable to pay? Currently have insurance that pays debts if unable to pay? Do you currently have: Insurance that pays your debts if you are unable to pay? 1 Yes 2 No Ever had Travel insurance? Ever had Travel insurance? Ever had Travel insurance? Ever had Travel insurance? Ever had Travel insurance? Have you ever had: Travel insurance? 1 Yes 2 No Currently have Travel insurance? Currently have Travel insurance? Currently have Travel insurance? Currently have Travel insurance? Currently have Travel insurance? Do you currently have: Travel insurance? 1 Yes 2 No Ever had Life insurance policy? Ever had Life insurance policy? Ever had Life insurance policy? Ever had Life insurance policy? Ever had Life insurance policy? Have you ever had: Life insurance policy (a payment to your heirs upon death)? 1 Yes 2 No Currently have Life insurance policy? Currently have Life insurance policy? Currently have Life insurance policy? Currently have Life insurance policy? Currently have Life insurance policy? Do you currently have: Life insurance policy (a payment to your heirs upon death)? 1 Yes 2 No Ever had insurance to pay debts in case of death? Ever had insurance to pay debts in case of death? Ever had insurance to pay debts in case of death? Ever had insurance to pay debts in case of death? Ever had insurance to pay debts in case of death? Have you ever had: Insurance to pay your debts if you die? 1 Yes 2 No Currently have insurance to pay debts in case of death? Currently have insurance to pay debts in case of death? Currently have insurance to pay debts in case of death? Currently have insurance to pay debts in case of death? Currently have insurance to pay debts in case of death? Do you currently have: Insurance to pay your debts if you die? 1 Yes 2 No Ever had Disability Insurance from employer? Ever had Disability Insurance from employer? Ever had Disability Insurance from employer? Ever had Disability Insurance from employer? Ever had Disability Insurance from employer? Have you ever had: Disability insurance from an employer? 1 Yes 2 No Currently have Disability Insurance from employer? Currently have Disability Insurance from employer? Currently have Disability Insurance from employer? Currently have Disability Insurance from employer? Currently have Disability Insurance from employer? Do you currently have: Disability insurance from an employer? 1 Yes 2 No Ever had any Other Disability Insurance? Ever had any Other Disability Insurance? Ever had any Other Disability Insurance? Ever had any Other Disability Insurance? Ever had any Other Disability Insurance? Have you ever had: Any other disability insurance? 1 Yes 2 No Currently have any Other Disability Insurance? Currently have any Other Disability Insurance? Currently have any Other Disability Insurance? Currently have any Other Disability Insurance? Currently have any Other Disability Insurance? Do you currently have:Any other disability insurance? 1 Yes 2 No Ever had Professional insurance? Ever had Professional insurance? Ever had Professional insurance? Ever had Professional insurance? Ever had Professional insurance? Have you ever had: Professional insurance? 1 Yes 2 No Currently have Professional insurance? Currently have Professional insurance? Currently have Professional insurance? Currently have Professional insurance? Currently have Professional insurance? Do you currently have: Professional insurance? 1 Yes 2 No Ever had Funeral policy with a formal institution? Ever had Funeral policy with a formal institution? Ever had Funeral policy with a formal institution? Ever had Funeral policy with a formal institution? Ever had Funeral policy with a formal institution? Have you ever had: Funeral policy with a formal insitution (not undertaker), SIC for example? 1 Yes 2 No Currently have Funeral policy with a formal institution? Currently have Funeral policy with a formal institution? Currently have Funeral policy with a formal institution? Currently have Funeral policy with a formal institution? Currently have Funeral policy with a formal institution? Do you currently have: Funeral policy with a formal insitution (not undertaker), SIC for example? 1 Yes 2 No Ever belonged to a group or society that will contribute to the cost of your burial? Ever belonged to a group or society that will contribute to the cost of your burial? Ever belonged to a group or society that will contribute to the cost of your burial? Ever belonged to a group or society that will contribute to the cost of your burial? Ever belonged to a group or society that will contribute to the cost of your burial? Have you ever: Belonged to any group or society that will contribute to the cost of your burial? 1 Yes 2 No Currently belong to a group or society that will contribute to the cost of your burial? Currently belong to a group or society that will contribute to the cost of your burial? Currently belong to a group or society that will contribute to the cost of your burial? Currently belong to a group or society that will contribute to the cost of your burial? Currently belong to a group or society that will contribute to the cost of your burial? Do you currently: Belong to any group or society that will contribute to the cost of your burial? 1 Yes 2 No Ever had a Health or Medical insurance? Ever had a Health or Medical insurance? Ever had a Health or Medical insurance? Ever had a Health or Medical insurance? Ever had a Health or Medical insurance? Have you ever had: Health/medical insurance? 1 Yes 2 No Currently have a Health or Medical insurance? Currently have a Health or Medical insurance? Currently have a Health or Medical insurance? Currently have a Health or Medical insurance? Currently have a Health or Medical insurance? Do you currently have: Health/medical insurance? 1 Yes 2 No Ever had insurance for your Child's education? Ever had insurance for your Child's education? Ever had insurance for your Child's education? Ever had insurance for your Child's education? Ever had insurance for your Child's education? Have you ever had insurance for your child's education? 1 Yes 2 No Currently have insurance for your Child's education? Currently have insurance for your Child's education? Currently have insurance for your Child's education? Currently have insurance for your Child's education? Currently have insurance for your Child's education? Do you currently have insurance for your child's education? 1 Yes 2 No Cluster number Cluster number Cluster number Cluster number Cluster number Household number Household number Household number Household number Household number Household identification Household identification Household identification Household identification Household identification Questionnaire group Questionnaire group Questionnaire group Questionnaire group Questionnaire group Person number for Section 4 Person number for Section 4 Person number for Section 4 Person number for Section 4 Person number for Section 4 Did respondent answer "yes" to having an account in Section 3? Did respondent answer "yes" to having an account in Section 3? Did respondent answer "yes" to having an account in Section 3? Did respondent answer "yes" to having an account in Section 3? Did respondent answer "yes" to having an account in Section 3? INTERVIEWER: DID THE RESPONDENT ANSWER "Yes" TO ANY OF THE SECTION 3 QUESTIONS ABOUT ACCOUNTS: 2, 4, 6, 8, 10, 12, BANK LOAN 36, OR BANK OVERDRAFT 54? 1 Yes 2 No First reason for not opening account First reason for not opening account First reason for not opening account First reason for not opening account First reason for not opening account There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a bank account? 1 The charges and fees are too high 2 There are no banks or institutions close to you 3 You do not meet minimum requirements 4 There is too much corruptions 5 Hours of operation not convenient 6 You don't have an identity document 7 You cannot affort to keep a minimum balance in the bank 8 You do not trust banks or other institutions 9 You prefer to deal in cash 10 You are too young to qualify to open an account 11 You never thought about it 12 Other Second reason for not opening account Second reason for not opening account Second reason for not opening account Second reason for not opening account Second reason for not opening account There are reasons why people do not have a bank account. Please tell me, in order of importance, the three main reasons why you do not have a bank account? 1 The charges and fees are too high 2 There are no banks or institutions close to you 3 You do not meet minimum requirements 4 There is too much corruptions 5 Hours of operation not convenient 6 You don't have an identity document 7 You cannot affort to keep a minimum balance in the bank 8 You do not trust banks or other institutions 9 You prefer to deal in cash 10 You are too young to qualify to open an account 11 You never thought about it 12 Other Third reason for not opening account Third reason for not opening account Third reason for not opening account Third reason for not opening account Third reason for not opening account There are reasons why people do not have a bank account. Please tell me, in order of importance, the three main reasons why you do not have a bank account? 1 The charges and fees are too high 2 There are no banks or institutions close to you 3 You do not meet minimum requirements 4 There is too much corruptions 5 Hours of operation not convenient 6 You don't have an identity document 7 You cannot affort to keep a minimum balance in the bank 8 You do not trust banks or other institutions 9 You prefer to deal in cash 10 You are too young to qualify to open an account 11 You never thought about it 12 Other Convenience of the location of bank nearest to respondent Convenience of the location of bank nearest to respondent Convenience of the location of bank nearest to respondent Convenience of the location of bank nearest to respondent Convenience of the location of bank nearest to respondent Would you say that the location of the bank which is nearest to you is .................. 1 Very convenient 2 Convenient 3 Inconvenient 4 Very inconvenient 5 Don't know where nearest bank is Mode of transport from house to bank Mode of transport from house to bank Mode of transport from house to bank Mode of transport from house to bank Mode of transport from house to bank What mode of transportation would you use to go from your house to this bank which is nearest to you? 1 Walking 2 Bicycle 3 Own car 4 Public transportation 5 Other Travelling time in minutes to nearest bank Travelling time in minutes to nearest bank Travelling time in minutes to nearest bank Travelling time in minutes to nearest bank Travelling time in minutes to nearest bank How long, in minutes would it take you to travel to the bank nearest to you? First reason respondent might like to have a bank account First reason respondent might like to have a bank account First reason respondent might like to have a bank account First reason respondent might like to have a bank account First reason respondent might like to have a bank account In order of importance, what is(are) the reason(s) you might like to have a bank account? 1 Access a home loan 2 Access a personal laon 3 Save 4 Keep money safe 5 Managing money better 6 Access a business loan 7 Deposit money from employer 8 Deposit money from own business 9 Pay insurance 10 Pay debt 11 Withdraw money when need 12 Transfer money safely/cheaply 13 Don't want a bank account 14 Other Second reason respondent might like to have a bank account Second reason respondent might like to have a bank account Second reason respondent might like to have a bank account Second reason respondent might like to have a bank account Second reason respondent might like to have a bank account In order of importance, what is(are) the reason(s) you might like to have a bank account? 1 Access a home loan 2 Access a personal laon 3 Save 4 Keep money safe 5 Managing money better 6 Access a business loan 7 Deposit money from employer 8 Deposit money from own business 9 Pay insurance 10 Pay debt 11 Withdraw money when need 12 Transfer money safely/cheaply 13 Don't want a bank account 14 Other Third reason respondent might like to have a bank account Third reason respondent might like to have a bank account Third reason respondent might like to have a bank account Third reason respondent might like to have a bank account Third reason respondent might like to have a bank account In order of importance, what is(are) the reason(s) you might like to have a bank account? 1 Access a home loan 2 Access a personal laon 3 Save 4 Keep money safe 5 Managing money better 6 Access a business loan 7 Deposit money from employer 8 Deposit money from own business 9 Pay insurance 10 Pay debt 11 Withdraw money when need 12 Transfer money safely/cheaply 13 Don't want a bank account 14 Other Convenience of the location of bank Convenience of the location of bank Convenience of the location of bank Convenience of the location of bank Convenience of the location of bank Would you say that the location of your bank is .................... 1 Very convenient 2 Convenient 3 Inconvenient 4 Very inconvenient Mode of transportation to respondent's bank Mode of transportation to respondent's bank Mode of transportation to respondent's bank Mode of transportation to respondent's bank Mode of transportation to respondent's bank What mode of transportation do you use to go to your bank? 1 Walking 2 Bicycle 3 Own car 4 Public transportation 5 Other Travelling time in minutes to respondent's bank Travelling time in minutes to respondent's bank Travelling time in minutes to respondent's bank Travelling time in minutes to respondent's bank Travelling time in minutes to respondent's bank What is the average time you spend travelling to your bank (one way)? First reason for having a bank account First reason for having a bank account First reason for having a bank account First reason for having a bank account First reason for having a bank account In order of importance, what is(are) the reason(s) you have a bank account? 1 Access a home loan 2 Access a personal laon 3 Save 4 Keep money safe 5 Managing money better 6 Access a business loan 7 Deposit money from employer 8 Deposit money from own business 9 Pay insurance 10 Pay debt 11 Withdraw money when need 12 Transfer money safely/cheaply 13 Don't want a bank account 14 Other Second reason for having a bank account Second reason for having a bank account Second reason for having a bank account Second reason for having a bank account Second reason for having a bank account In order of importance, what is(are) the reason(s) you have a bank account? 1 Access a home loan 2 Access a personal laon 3 Save 4 Keep money safe 5 Managing money better 6 Access a business loan 7 Deposit money from employer 8 Deposit money from own business 9 Pay insurance 10 Pay debt 11 Withdraw money when need 12 Transfer money safely/cheaply 13 Don't want a bank account 14 Other Third reason for having a bank account Third reason for having a bank account Third reason for having a bank account Third reason for having a bank account Third reason for having a bank account In order of importance, what is(are) the reason(s) you have a bank account? 1 Access a home loan 2 Access a personal laon 3 Save 4 Keep money safe 5 Managing money better 6 Access a business loan 7 Deposit money from employer 8 Deposit money from own business 9 Pay insurance 10 Pay debt 11 Withdraw money when need 12 Transfer money safely/cheaply 13 Don't want a bank account 14 Other Did respondent answer "yes" to savings and retirement accounts? Did respondent answer "yes" to savings and retirement accounts? Did respondent answer "yes" to savings and retirement accounts? Did respondent answer "yes" to savings and retirement accounts? Did respondent answer "yes" to savings and retirement accounts? INTERVIEWER: DID THE RESPONDENT ANSWER "Yes" TO ANY OF THE SECTION 3 QUESTIONS ABOUT........... BANK SAVINGS.............6, 10, 12, 14 NON-BANK SAVINGS..........22, 24, 26, 28, 30 RETIREMENT ACCOUNTS....32, 34? 1 Yes 2 No First reason for not having a bank account First reason for not having a bank account First reason for not having a bank account First reason for not having a bank account First reason for not having a bank account There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account? 1 Do not have a job 2 Do not trust financial institutions 3 It is difficult to provide required documentation 4 Have no money to save 5 Use someone else's account 6 Don't want to pay user fees 7 Other Second reason for not having a bank account Second reason for not having a bank account Second reason for not having a bank account Second reason for not having a bank account Second reason for not having a bank account There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account? 1 Do not have a job 2 Do not trust financial institutions 3 It is difficult to provide required documentation 4 Have no money to save 5 Use someone else's account 6 Don't want to pay user fees 7 Other Third reason for not having a bank account Third reason for not having a bank account Third reason for not having a bank account Third reason for not having a bank account Third reason for not having a bank account There are many reasons why people do not have a bank account. Please tell me, in the order of importance, the three main reasons why you do not have a savings account? 1 Do not have a job 2 Do not trust financial institutions 3 It is difficult to provide required documentation 4 Have no money to save 5 Use someone else's account 6 Don't want to pay user fees 7 Other Did respondent earn interest for keeping money in savings account? Did respondent earn interest for keeping money in savings account? Did respondent earn interest for keeping money in savings account? Did respondent earn interest for keeping money in savings account? Did respondent earn interest for keeping money in savings account? Do you earn interest from keeping money in a savings account? 1 Yes 2 No Did respondent answer "yes" to contributing to susu, welfare scheme, etc? Did respondent answer "yes" to contributing to susu, welfare scheme, etc? Did respondent answer "yes" to contributing to susu, welfare scheme, etc? Did respondent answer "yes" to contributing to susu, welfare scheme, etc? Did respondent answer "yes" to contributing to susu, welfare scheme, etc? INTERVIEWR: DID RESPONDENT ANSWER "Yes" TO EITHER OF THE SECTION 3 QUESTIONS ABOUT.......SUSU, WELFARE SCHEME OR SAVINGS CLUB, 26, 28? 1 Yes 2 No Can respondent borrow money from susu/welfare or other savings club? Can respondent borrow money from susu/welfare or other savings club? Can respondent borrow money from susu/welfare or other savings club? Can respondent borrow money from susu/welfare or other savings club? Can respondent borrow money from susu/welfare or other savings club? You mentioned that you used Susu or Welfare scheme or other Savings club. Can you borrow money from these? 1 Yes 2 No Can respondent borrow more than his/her contributions from susu etc? Can respondent borrow more than his/her contributions from susu etc? Can respondent borrow more than his/her contributions from susu etc? Can respondent borrow more than his/her contributions from susu etc? Can respondent borrow more than his/her contributions from susu etc? Can you borrow more than your contributions from this Susu, Welfare scheme or Savings club? 1 Yes 2 No Has the amount that respondent can borrow from savings increased over time? Has the amount that respondent can borrow from savings increased over time? Has the amount that respondent can borrow from savings increased over time? Has the amount that respondent can borrow from savings increased over time? Has the amount that respondent can borrow from savings increased over time? Has the amount that you can borrow from your Susu, Welfare scheme or Savings club increased over time? 1 Yes 2 No How often does respondent make contributions to susu or savings? How often does respondent make contributions to susu or savings? How often does respondent make contributions to susu or savings? How often does respondent make contributions to susu or savings? How often does respondent make contributions to susu or savings? How often do you make contributions to your Susu, Welfare scheme or Savings club? Time unit of contribution to susu or savings Time unit of contribution to susu or savings Time unit of contribution to susu or savings Time unit of contribution to susu or savings Time unit of contribution to susu or savings How often do you make contributions to your Susu, Welfare scheme or Savings club? 1 Daily 2 Weekly 3 Fortnightly 4 Monthly 5 Quarterly 6 Annually 7 Other Did respondnet answer "yes" to Section 3 question 36? Did respondnet answer "yes" to Section 3 question 36? Did respondnet answer "yes" to Section 3 question 36? Did respondnet answer "yes" to Section 3 question 36? Did respondnet answer "yes" to Section 3 question 36? INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO SECTION 3 OF THE BANK LOAN QUESTION ...36? 1 Yes 2 No Did respondent take a loan from ADB,HFC,NIB,MB in past 12months? Did respondent take a loan from ADB,HFC,NIB,MB in past 12months? Did respondent take a loan from ADB,HFC,NIB,MB in past 12months? Did respondent take a loan from ADB,HFC,NIB,MB in past 12months? Did respondent take a loan from ADB,HFC,NIB,MB in past 12months? Do you currently have, or have you had in the past 12 months a loan with the Agricultural Development Bank, Home Finance Company Bank, the National Investment Bank or the Merchant Bank? 1 Yes 2 No Most recent investment bank that respondent took a loan from in the last 12months Most recent investment bank that respondent took a loan from in the last 12months Most recent investment bank that respondent took a loan from in the last 12months Most recent investment bank that respondent took a loan from in the last 12months Most recent investment bank that respondent took a loan from in the last 12months What is the name of the bank? (If more than one loan, refer to the most recent) 1 Agric Development Bank 2 Home Finance Company Bank 3 National Investment Bank 4 Merchant Bank Main purpose of loan taken from investment bank in past 12 months Main purpose of loan taken from investment bank in past 12 months Main purpose of loan taken from investment bank in past 12 months Main purpose of loan taken from investment bank in past 12 months Main purpose of loan taken from investment bank in past 12 months What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. 1 Purchase goods for household, travel etc 2 Purchase, build or renovate a house 3 Purchase goods for business 4 Pay unforseen costs 5 Agric or livestock 6 Other First guarantee required for investment bank loan taken in past 12 months First guarantee required for investment bank loan taken in past 12 months First guarantee required for investment bank loan taken in past 12 months First guarantee required for investment bank loan taken in past 12 months First guarantee required for investment bank loan taken in past 12 months What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Second guarantee required for investment bank loan taken in past 12 months Second guarantee required for investment bank loan taken in past 12 months Second guarantee required for investment bank loan taken in past 12 months Second guarantee required for investment bank loan taken in past 12 months Second guarantee required for investment bank loan taken in past 12 months What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Third guarantee required for investment bank loan taken in past 12 months Third guarantee required for investment bank loan taken in past 12 months Third guarantee required for investment bank loan taken in past 12 months Third guarantee required for investment bank loan taken in past 12 months Third guarantee required for investment bank loan taken in past 12 months What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Did respondent apply for a loan with ADB,HFC,NIB,MB in past 12months? Did respondent apply for a loan with ADB,HFC,NIB,MB in past 12months? Did respondent apply for a loan with ADB,HFC,NIB,MB in past 12months? Did respondent apply for a loan with ADB,HFC,NIB,MB in past 12months? Did respondent apply for a loan with ADB,HFC,NIB,MB in past 12months? In the past 12 months, have you applied for a loan with an Agricultural Development Bank, Home Finance Company Bank, the National Investment Bank or the Merchant Bank? 1 Yes 2 No Was loan application with investment bank accepted or rejected? Was loan application with investment bank accepted or rejected? Was loan application with investment bank accepted or rejected? Was loan application with investment bank accepted or rejected? Was loan application with investment bank accepted or rejected? Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? 1 Accepted 2 Rejected 3 Neither First reason why loan application to investment bank was rejected First reason why loan application to investment bank was rejected First reason why loan application to investment bank was rejected First reason why loan application to investment bank was rejected First reason why loan application to investment bank was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Second reason why loan application to investment bank was rejected Second reason why loan application to investment bank was rejected Second reason why loan application to investment bank was rejected Second reason why loan application to investment bank was rejected Second reason why loan application to investment bank was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Third reason why loan application to investment bank was rejected Third reason why loan application to investment bank was rejected Third reason why loan application to investment bank was rejected Third reason why loan application to investment bank was rejected Third reason why loan application to investment bank was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Did respondent take a loan from any other bank in the past 12 months? Did respondent take a loan from any other bank in the past 12 months? Did respondent take a loan from any other bank in the past 12 months? Did respondent take a loan from any other bank in the past 12 months? Did respondent take a loan from any other bank in the past 12 months? Do you currently have, or have you had in the past 12 months a loan with any other bank? 1 Yes 2 No Most recent other bank respondent took a loan from in past 12 months Most recent other bank respondent took a loan from in past 12 months Most recent other bank respondent took a loan from in past 12 months Most recent other bank respondent took a loan from in past 12 months Most recent other bank respondent took a loan from in past 12 months What is the name of the bank? (If more than one bank, refer to the most recent) 1 Ghana Commercial Bank 2 Barclays Bank Limited 3 Standard Chartered BAnk 4 Amalgamated Bank Limited 5 Prudential Bank Limited 6 CAL Merchant Bank 7 Trust Bank Limited 8 Ecobank Ghana Limited 9 Fidelity Bank Limited 10 First Atlantic Merchant Bank 11 International Commercial Bank 12 Metropolitan and Allied Bank 13 Social Security Bank 14 Stanbic Bank Limited 15 Unibank Ghana Limited 16 Standard Trust Bank Ghana Limited 17 Zenith Bank Ghana Limited 18 Guaranty Trust Bank 19 Intercontinental Bank Ghana Limited 20 Apex Bank Limited Main purpose for taking a loan from any other bank in past 12 months Main purpose for taking a loan from any other bank in past 12 months Main purpose for taking a loan from any other bank in past 12 months Main purpose for taking a loan from any other bank in past 12 months Main purpose for taking a loan from any other bank in past 12 months What was the main reason for which you took out this loan? If more than one loan, refer to the most recent. 1 Purchase goods for household, travel, vehicle, celebrations 2 Purchase, build or renovate a house 3 Purchase goods for business 4 To pay unforseen costs 5 Agriculture or livestock 6 Other First guarantee required for any other bank loan taken in past 12 months First guarantee required for any other bank loan taken in past 12 months First guarantee required for any other bank loan taken in past 12 months First guarantee required for any other bank loan taken in past 12 months First guarantee required for any other bank loan taken in past 12 months What guarantee were you required to undertake or give to obtain this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Second guarantee required for any other bank loan taken in past 12 months Second guarantee required for any other bank loan taken in past 12 months Second guarantee required for any other bank loan taken in past 12 months Second guarantee required for any other bank loan taken in past 12 months Second guarantee required for any other bank loan taken in past 12 months What guarantee were you required to undertake or give to obtain this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Third guarantee required for any other bank loan in past 12 months Third guarantee required for any other bank loan in past 12 months Third guarantee required for any other bank loan in past 12 months Third guarantee required for any other bank loan in past 12 months Third guarantee required for any other bank loan in past 12 months What guarantee were you required to undertake or give to obtain this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Did respondent apply for a loan with any other bank in the past 12 months? Did respondent apply for a loan with any other bank in the past 12 months? Did respondent apply for a loan with any other bank in the past 12 months? Did respondent apply for a loan with any other bank in the past 12 months? Did respondent apply for a loan with any other bank in the past 12 months? In the past 12 months, have you applied for a loan with any other bank? 1 Yes 2 No Was loan application with any other bank accepted or rejected? Was loan application with any other bank accepted or rejected? Was loan application with any other bank accepted or rejected? Was loan application with any other bank accepted or rejected? Was loan application with any other bank accepted or rejected? Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? 1 Accepted 2 Rejected 3 Neither First reason why loan application with any other bank was rejected First reason why loan application with any other bank was rejected First reason why loan application with any other bank was rejected First reason why loan application with any other bank was rejected First reason why loan application with any other bank was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Second reason why loan application with any other bank was rejected Second reason why loan application with any other bank was rejected Second reason why loan application with any other bank was rejected Second reason why loan application with any other bank was rejected Second reason why loan application with any other bank was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Third reason why loan application with any other bank was rejected Third reason why loan application with any other bank was rejected Third reason why loan application with any other bank was rejected Third reason why loan application with any other bank was rejected Third reason why loan application with any other bank was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Did respondent answer "yes" to Section 3 question 40? Did respondent answer "yes" to Section 3 question 40? Did respondent answer "yes" to Section 3 question 40? Did respondent answer "yes" to Section 3 question 40? Did respondent answer "yes" to Section 3 question 40? INTERVIEWER: DID RESPONDENT ANSWER "Yes" IN THE SECTION 3 CREDIT UNION LOAN QUESTION....40? 1 Yes 2 No Main purpose of loan from credit union Main purpose of loan from credit union Main purpose of loan from credit union Main purpose of loan from credit union Main purpose of loan from credit union You said that you currently have a loan with a credit union. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. 1 Purchase goods for household, travel, vehicle, celebrations 2 Purchase, build or renovate a house 3 Purchase goods for business 4 To pay unforseen costs 5 Agriculture or livestock 6 Other First guarantee required for loan from credit union First guarantee required for loan from credit union First guarantee required for loan from credit union First guarantee required for loan from credit union First guarantee required for loan from credit union What guarantee were you required to undertake or give to obtain this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Second guarantee required for loan from credit union Second guarantee required for loan from credit union Second guarantee required for loan from credit union Second guarantee required for loan from credit union Second guarantee required for loan from credit union What guarantee were you required to undertake or give to obtain this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Third guarantee required for loan from credit union Third guarantee required for loan from credit union Third guarantee required for loan from credit union Third guarantee required for loan from credit union Third guarantee required for loan from credit union What guarantee were you required to undertake or give to obtain this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Did respondent apply for a loan with the credit union in past 12 months? Did respondent apply for a loan with the credit union in past 12 months? Did respondent apply for a loan with the credit union in past 12 months? Did respondent apply for a loan with the credit union in past 12 months? Did respondent apply for a loan with the credit union in past 12 months? In the past 12 months, have you applied for a loan with a credit union? 1 Yes 2 No Was the loan application to the credit union accepted or rejected? Was the loan application to the credit union accepted or rejected? Was the loan application to the credit union accepted or rejected? Was the loan application to the credit union accepted or rejected? Was the loan application to the credit union accepted or rejected? Was your loan application accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? 1 Accepted 2 Rejected 3 Neither First reason why loan with credit union was rejected First reason why loan with credit union was rejected First reason why loan with credit union was rejected First reason why loan with credit union was rejected First reason why loan with credit union was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Second reason why loan with credit union was rejected Second reason why loan with credit union was rejected Second reason why loan with credit union was rejected Second reason why loan with credit union was rejected Second reason why loan with credit union was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Third reason why loan with credit union was rejected Third reason why loan with credit union was rejected Third reason why loan with credit union was rejected Third reason why loan with credit union was rejected Third reason why loan with credit union was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Did respondent answer "yes" to Section 3 question 42? Did respondent answer "yes" to Section 3 question 42? Did respondent answer "yes" to Section 3 question 42? Did respondent answer "yes" to Section 3 question 42? Did respondent answer "yes" to Section 3 question 42? INTERVIEWER: DID RESPONDENT ANSWER "Yes" IN THE SECTION 3 MICRO-FINANCE LENDER QUESTION ........42? 1 Yes 2 No Main purpose for applying for loan from micro finance lender Main purpose for applying for loan from micro finance lender Main purpose for applying for loan from micro finance lender Main purpose for applying for loan from micro finance lender Main purpose for applying for loan from micro finance lender You said that you currently have a loan with a micro-finance lender. What was the main purpose for which you took out this loan? If more than one loan, refer to most recent. 1 Purchase goods for household, travel, vehicle, celebrations 2 Purchase, build or renovate a house 3 Purchase goods for business 4 To pay unforseen costs 5 Agriculture or livestock 6 Other First guarantee required by micro finance lender First guarantee required by micro finance lender First guarantee required by micro finance lender First guarantee required by micro finance lender First guarantee required by micro finance lender What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Second guarantee required by micro finance lender Second guarantee required by micro finance lender Second guarantee required by micro finance lender Second guarantee required by micro finance lender Second guarantee required by micro finance lender What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Third guarantee required by micro finance lender Third guarantee required by micro finance lender Third guarantee required by micro finance lender Third guarantee required by micro finance lender Third guarantee required by micro finance lender What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Did respondent apply for loan from micro finance institution in last 12 months? Did respondent apply for loan from micro finance institution in last 12 months? Did respondent apply for loan from micro finance institution in last 12 months? Did respondent apply for loan from micro finance institution in last 12 months? Did respondent apply for loan from micro finance institution in last 12 months? In the past 12 months, have you applied for a loan with a micro-finance insitution? 1 Yes 2 No Was loan appplication to micro finance institution accepted or rejected? Was loan appplication to micro finance institution accepted or rejected? Was loan appplication to micro finance institution accepted or rejected? Was loan appplication to micro finance institution accepted or rejected? Was loan appplication to micro finance institution accepted or rejected? Was your loan accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? 1 Accepted 2 Rejected 3 Neither First reason why loan application to micro-finance institution was rejected First reason why loan application to micro-finance institution was rejected First reason why loan application to micro-finance institution was rejected First reason why loan application to micro-finance institution was rejected First reason why loan application to micro-finance institution was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Second reason why loan appplication to micro-finance institution was rejected Second reason why loan appplication to micro-finance institution was rejected Second reason why loan appplication to micro-finance institution was rejected Second reason why loan appplication to micro-finance institution was rejected Second reason why loan appplication to micro-finance institution was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Third reason why loan application to micro-finance institution was rejected Third reason why loan application to micro-finance institution was rejected Third reason why loan application to micro-finance institution was rejected Third reason why loan application to micro-finance institution was rejected Third reason why loan application to micro-finance institution was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Did respondent answer "yes" to Section 3 question 48? Did respondent answer "yes" to Section 3 question 48? Did respondent answer "yes" to Section 3 question 48? Did respondent answer "yes" to Section 3 question 48? Did respondent answer "yes" to Section 3 question 48? INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 SUSU, WELFARE SCHEME, SAVING CLUB QUESTION .......48? 1 Yes 2 No Main purpose for appliying for loan from susu or welfare scheme Main purpose for appliying for loan from susu or welfare scheme Main purpose for appliying for loan from susu or welfare scheme Main purpose for appliying for loan from susu or welfare scheme Main purpose for appliying for loan from susu or welfare scheme You said that you currently have money borrowed from a susu, welfare scheme or other savings club. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. 1 Purchase goods for household, travel, vehicle, celebrations 2 Purchase, build or renovate a house 3 Purchase goods for business 4 To pay unforseen costs 5 Agriculture or livestock 6 Other First guarantee required for loan from susu or welfare scheme First guarantee required for loan from susu or welfare scheme First guarantee required for loan from susu or welfare scheme First guarantee required for loan from susu or welfare scheme First guarantee required for loan from susu or welfare scheme What was the guarantee you were required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Second guarantee required for loan from susu or welfare scheme Second guarantee required for loan from susu or welfare scheme Second guarantee required for loan from susu or welfare scheme Second guarantee required for loan from susu or welfare scheme Second guarantee required for loan from susu or welfare scheme What was the guarantee you were required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Third guarantee required for loan from susu or welfare scheme Third guarantee required for loan from susu or welfare scheme Third guarantee required for loan from susu or welfare scheme Third guarantee required for loan from susu or welfare scheme Third guarantee required for loan from susu or welfare scheme What was the guarantee you were required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Did respondent apply for loan from susu scheme in the past 12 months? Did respondent apply for loan from susu scheme in the past 12 months? Did respondent apply for loan from susu scheme in the past 12 months? Did respondent apply for loan from susu scheme in the past 12 months? Did respondent apply for loan from susu scheme in the past 12 months? In the past 12 months, have you applied for a loan with a Susu, Welfare scheme or other Savings club? 1 Yes 2 No Was loan from susu scheme in past 12 months accepted or rejected? Was loan from susu scheme in past 12 months accepted or rejected? Was loan from susu scheme in past 12 months accepted or rejected? Was loan from susu scheme in past 12 months accepted or rejected? Was loan from susu scheme in past 12 months accepted or rejected? Was your loan application accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? 1 Accepted 2 Rejected 3 Neither First reason why application for loan from susu scheme in past 12 months was rejected First reason why application for loan from susu scheme in past 12 months was rejected First reason why application for loan from susu scheme in past 12 months was rejected First reason why application for loan from susu scheme in past 12 months was rejected First reason why application for loan from susu scheme in past 12 months was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Second reason why application for loan from susu scheme in past 12 months was rejected Second reason why application for loan from susu scheme in past 12 months was rejected Second reason why application for loan from susu scheme in past 12 months was rejected Second reason why application for loan from susu scheme in past 12 months was rejected Second reason why application for loan from susu scheme in past 12 months was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Third reason application for loan from susu scheme in past 12 months was rejected Third reason application for loan from susu scheme in past 12 months was rejected Third reason application for loan from susu scheme in past 12 months was rejected Third reason application for loan from susu scheme in past 12 months was rejected Third reason application for loan from susu scheme in past 12 months was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Did respondent answer "yes" to Section 3 question 44? Did respondent answer "yes" to Section 3 question 44? Did respondent answer "yes" to Section 3 question 44? Did respondent answer "yes" to Section 3 question 44? Did respondent answer "yes" to Section 3 question 44? INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 EMPLOYER LOAN QUESTION .......44? 1 Yes 2 No Main purpose for applying for loan from employer Main purpose for applying for loan from employer Main purpose for applying for loan from employer Main purpose for applying for loan from employer Main purpose for applying for loan from employer You said you currently have a loan from an employer. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. 1 Purchase goods for household, travel, vehicle, celebrations 2 Purchase, build or renovate a house 3 Purchase goods for business 4 To pay unforseen costs 5 Agriculture or livestock 6 Other First guarantee required for a loan from employer First guarantee required for a loan from employer First guarantee required for a loan from employer First guarantee required for a loan from employer First guarantee required for a loan from employer What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Second guarantee required for a loan from employer Second guarantee required for a loan from employer Second guarantee required for a loan from employer Second guarantee required for a loan from employer Second guarantee required for a loan from employer What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Third guarantee required for a loan from employer Third guarantee required for a loan from employer Third guarantee required for a loan from employer Third guarantee required for a loan from employer Third guarantee required for a loan from employer What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Did respondent apply for a loan from employer in the past 12 months? Did respondent apply for a loan from employer in the past 12 months? Did respondent apply for a loan from employer in the past 12 months? Did respondent apply for a loan from employer in the past 12 months? Did respondent apply for a loan from employer in the past 12 months? In the past 12 months, have you applied for a loan or tried to borrow from an employer? 1 Yes 2 No Was application for loan from employer in past 12 months accepted or rejected? Was application for loan from employer in past 12 months accepted or rejected? Was application for loan from employer in past 12 months accepted or rejected? Was application for loan from employer in past 12 months accepted or rejected? Was application for loan from employer in past 12 months accepted or rejected? Was your loan aplication accepted or rejected (IF MORE THAN ONE APPLICATION, REFER TO THE MOST RECENT)? 1 Accepted 2 Rejected 3 Neither First reason why application for loan from employer in past 12 months was rejected First reason why application for loan from employer in past 12 months was rejected First reason why application for loan from employer in past 12 months was rejected First reason why application for loan from employer in past 12 months was rejected First reason why application for loan from employer in past 12 months was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Second reason why application for loan from employer in past 12 months was rejected Second reason why application for loan from employer in past 12 months was rejected Second reason why application for loan from employer in past 12 months was rejected Second reason why application for loan from employer in past 12 months was rejected Second reason why application for loan from employer in past 12 months was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Third reason why application for loan from employer in past 12 months was rejected Third reason why application for loan from employer in past 12 months was rejected Third reason why application for loan from employer in past 12 months was rejected Third reason why application for loan from employer in past 12 months was rejected Third reason why application for loan from employer in past 12 months was rejected Why was it rejected? 1 Bad credit record, have too many debt 2 No credit history 3 Insufficient income of assets 4 No account held with bank 5 Lack of formal paper work 6 No reason given 7 Other Did respondent answer "yes" to Section 3 question 46? Did respondent answer "yes" to Section 3 question 46? Did respondent answer "yes" to Section 3 question 46? Did respondent answer "yes" to Section 3 question 46? Did respondent answer "yes" to Section 3 question 46? INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO THE SECTION 3 MONEY LENDER LOAN QUESTION ....46? 1 Yes 2 No Main purpose for applying for a loan from money lender? Main purpose for applying for a loan from money lender? Main purpose for applying for a loan from money lender? Main purpose for applying for a loan from money lender? Main purpose for applying for a loan from money lender? You said that you currently have a loan with a money lender. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. 1 Purchase goods for household, travel, vehicle, celebrations 2 Purchase, build or renovate a house 3 Purchase goods for business 4 To pay unforseen costs 5 Agriculture or livestock 6 Other First guarantee required for a loan from money lender First guarantee required for a loan from money lender First guarantee required for a loan from money lender First guarantee required for a loan from money lender First guarantee required for a loan from money lender What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Second guarantee required for a loan from money lender Second guarantee required for a loan from money lender Second guarantee required for a loan from money lender Second guarantee required for a loan from money lender Second guarantee required for a loan from money lender What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Third guarantee required for a loan from money lender Third guarantee required for a loan from money lender Third guarantee required for a loan from money lender Third guarantee required for a loan from money lender Third guarantee required for a loan from money lender What guarantee were you required to give for this loan? 1 Provide co-signer 2 Provide things that cannot be moved, such as house or land 3 Provide things that can be moved, such as livestocks, jewell 4 Promise to give a service such as labour 5 Sign insurance to cover loan amount 6 Keep a minimum amount of money in the institution 7 Provide authorisation for deduction from payroll 8 Nothing 9 Other Did respondent apply for a loan in past 12 months from a money lender? Did respondent apply for a loan in past 12 months from a money lender? Did respondent apply for a loan in past 12 months from a money lender? Did respondent apply for a loan in past 12 months from a money lender? Did respondent apply for a loan in past 12 months from a money lender? In the past 12 months, have you applied for a loan or tried to borrow from a money lender? 1 Yes 2 No Was the loan application from money lender in past 12 months accepted or rejected? Was the loan application from money lender in past 12 months accepted or rejected? Was the loan application from money lender in past 12 months accepted or rejected? Was the loan application from money lender in past 12 months accepted or rejected? Was the loan application from money lender in past 12 months accepted or rejected? Was your loan application accepted or rejected (IF MORE THAN ONE APLICATION, REFER TO THE MOST RECENT)? 1 Accepted 2 Rejected 3 Neither Did respondent answer "yes" to Section 3 question 50? Did respondent answer "yes" to Section 3 question 50? Did respondent answer "yes" to Section 3 question 50? Did respondent answer "yes" to Section 3 question 50? Did respondent answer "yes" to Section 3 question 50? INTERVIEWER: DID RESPONDENT ANSWER "Yes" TO FRIEND OR FAMILY MEMBER LOAN, QUESTION 50 IN SECTION 3? 1 Yes 2 No Main purpose for seeking a loan from a friend or family Main purpose for seeking a loan from a friend or family Main purpose for seeking a loan from a friend or family Main purpose for seeking a loan from a friend or family Main purpose for seeking a loan from a friend or family You said that you currently have money borrowed from a friend or family member. What was the main purpose for which you took out this loan? If more than one loan, refer to the most recent. 1 Purchase goods for household, travel, vehicle, celebrations 2 Purchase, build or renovate a house 3 Purchase goods for business 4 To pay unforseen costs 5 Agriculture or livestock 6 Other Did respondent answer for himself or herself? Did respondent answer for himself or herself? Did respondent answer for himself or herself? Did respondent answer for himself or herself? Did respondent answer for himself or herself? INTERVIEWER: DID THE RESPONDENT ANSWER FOR HIMSELF OR HERSELF? 1 Yes 2 No ID of respondent ID of respondent ID of respondent ID of respondent ID of respondent INTERVIEWER: WRITE THE CODE OF THE PERSON WHO RESPONDED