RWA_2014_FII_v01_M_v01_A_PUF
--
DDI_RWA_2014_FII_v01_M_v01_A_PUF_WB
Development Data Group
2016-11-01
Nesstar Publisher
v01 (November 2016)
RWA_2014_FII_v01_M_v01_A_PUF
--
--
Financial Inclusion Insights Survey 2014
FII 2014
RWA_2014_FII_v01_M_v01_A_PUF
InterMedia
Research Solutions Africa
Nesstar Publisher
CGAP (the Consultative Group to Assist the Poor)
Samuel Schueth
Claudia Vonderohe McKay
Claudia Vonderohe McKay
Other Household Survey [hh/oth]
v01 - edited dataset with direct identifying variables removed
Rwanda
National
Adults age 15 and older residing in households
Sample survey data [ssd]
Research Solutions Africa
Face-to-face [f2f]
InterMedia had a team of four quality checkers who worked with RSA supervisors and managers to administer Quality Assurance and Quality Control. Sampling and interview observation were the main QA activities. Physical or telephonic back checks, completion and logic checks were the main QC activities. All these activities were documented in respective supervisor sheets. At least 10% of our interviews were observed. A similar number was back-checked. All the interviews were checked for completion and logic first by the interviewers then by the supervisors. The data collection firm RSA continuously verified GPS points recorded in questionnaires to ensure the right Enumeration Areas were being visited.
The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses.
final_cgap_rwanda_im_v2.NSDstat
2003
1144
Nesstar 200801
Serial
2003
0
1
6289
AA1.Zone
2003
0
1
East
490
2
Kigali
213
3
North
330
4
South
500
5
West
470
AA2.District
2003
0
1
Bugesera
60
2
Burera
60
3
Gakenke
60
4
Gasabo
101
5
Gatsibo
80
6
Gicumbi
80
7
Gisagara
60
8
Huye
60
9
Kamonyi
60
10
Karongi
60
11
Kayonza
60
12
Kicukiro
50
13
Kirehe
70
14
Muhanga
70
15
Musanze
70
16
Ngoma
70
17
Ngororero
60
18
Nyabihu
60
19
Nyagatare
90
20
Nyamagabe
70
21
Nyamasheke
80
22
Nyanza
70
23
Nyarugenge
62
24
Nyaruguru
60
25
Rubavu
80
26
Ruhango
50
27
Rulindo
60
28
Rusizi
70
29
Rutsiro
60
30
Rwamagana
60
AA3.County
2003
0
1
Boneza
10
2
Bugarama
10
3
Bugeshi
10
4
Bukure
10
5
Busanze
10
6
Busasamana
20
7
Bushekeri
10
8
Bushoki
10
9
Butaro
10
10
Bweyeye
10
11
Bwishyura
10
12
Byimana
10
13
Coko
10
14
Cyabakamyi
10
15
Cyanika
20
16
Cyanzarwe
10
17
Cyato
10
18
Cyeza
10
19
Cyumba
10
20
Cyuve
10
21
Fumbwe
10
22
Gahara
10
23
Gashenyi
10
24
Gataraga
10
25
Gatebe
10
26
Gatenga
10
27
Gatore
10
28
Gatsata
10
29
Gatsibo
10
30
Gatumba
10
31
Giheke
10
32
Gisenyi
10
33
Gishali
10
34
Gishubi
10
35
Gisozi
10
36
Gitambi
10
37
Gitega
10
38
Gitesi
10
39
Jabana
10
40
Jenda
20
41
Juru
10
42
Kabare
10
43
Kabarondo
10
44
Kabarore
10
45
Kabatwa
10
46
Kabaya
10
47
Kacyiru
10
48
Kaduha
10
49
Kagano
10
50
Kagarama
10
51
Kageyo
20
52
Kaniga
10
53
Kanombe
10
54
Kanyinya
10
55
Kanzenze
10
56
Karama
20
57
Karambi
10
58
Karambo
10
59
Karangazi
10
60
Karembo
10
61
Kavumu
10
62
Kayenzi
10
63
Kibangu
10
64
Kibirizi
20
65
Kibungo
10
66
Kigarama
10
67
Kigina
10
68
Kigoma
10
69
Kimiromko
10
70
Kimisagara
10
71
Kinazi
20
72
Kinigi
10
73
Kinihira
30
74
Kinoni
10
75
Kinyinya
11
76
Kirimbi
10
77
Kivu
10
78
Kivumu
10
79
Kiyombe
10
80
Kiziguro
10
81
Mageragere
10
82
Mahembe
10
83
Mamba
10
84
Mayange
10
85
Mbazi
10
86
Mbogo
10
87
Mimuri
10
88
Mpanga
10
89
Mugano
10
90
Mugina
10
91
Mugombwa
10
92
Mugunga
10
93
Muhanda
10
94
Muhanga
10
95
Muhazi
10
96
Muhoza
10
97
Mukamira
10
98
Mukarange
20
99
Mukingo
10
100
Mukura
10
101
Munini
10
102
Murambi
20
103
Murundi
10
104
Mururu
10
105
Musanze
10
106
Musasa
10
107
Musaza
10
108
Musebeya
10
109
Musenyi
10
110
Musha
20
111
Musheri
10
112
Mushubati
10
113
Mutenderi
10
114
Mutuntu
10
115
Muyira
10
116
Muzo
10
117
Mwendo
10
118
Mwulire
10
119
Nasho
10
120
Ndaro
10
121
Ndera
20
122
Nemba
10
123
Ngoma
10
124
Niboye
10
125
Nkotsi
10
126
Nkungu
10
127
Ntarabana
10
128
Ntarama
10
129
Ntongwe
10
130
Nyabimata
10
131
Nyagatare
10
132
Nyagihanga
10
133
Nyagisozi
10
134
Nyakabanda
11
135
Nyakarenzo
10
136
Nyakiriba
20
137
Nyamabuye
20
138
Nyamirama
10
139
Nyamiyaga
20
140
Nyanza
10
141
Nyarubaka
10
142
Nyarubuye
10
143
Nyarugenge
21
144
Nyundo
10
145
Rambura
10
146
Rangiro
10
147
Remera
10
148
Rongi
10
149
Rubavu
10
150
Rubona
10
151
Rugabano
10
152
Rugarama
10
153
Ruhango
10
154
Ruheru
10
155
Ruhunde
10
156
Rukara
10
157
Rukira
20
158
Rukoma
10
159
Rukomo
20
160
Runda
10
161
Rurenge
10
162
Rusasa
10
163
Rusatira
10
164
Rusenge
10
165
Rutunga
10
166
Ruvune
10
167
Rwankuba
10
168
Rwaza
10
169
Rweru
10
170
Rwimbogo
10
171
Rwimiyaga
10
172
Shangi
10
173
Shyira
10
174
Shyogwe
10
175
Simbi
10
176
Sovu
10
177
Tabagwe
10
178
Tare
10
179
Tumba
10
180
Uwinkingi
10
181
Zaza
10
182
Nyamirambo
0
AA4.Sub-county
2003
0
1
Akabahizi
10
3
Barija
10
4
Baziro
10
5
Bibare
10
6
Biryogo
11
7
Bisizi
10
8
Bugarama
10
9
Bugarura
10
10
Bugomba
10
11
Bukinanyana
20
12
Bukoro
10
13
Buliba
10
14
Bunge
10
15
Burunga
10
16
Bushara
10
17
Bushenyi
10
18
Busuku
0
19
Butansinda
10
20
Buvungira
10
21
Bweramvura
20
22
Byinza
10
23
Cyabagarura
10
24
Cyabajwa
10
25
Cyabararika
10
26
Cyambwe
10
27
Cyanyirankora
10
28
Cyasemakamba
10
29
Cyendajuru
10
30
Cyerezo
10
31
Cyimpindu
10
32
Gabiro
10
33
Gacundezi
10
34
Gahana
10
35
Gahinga
10
36
Gahogo
10
37
Gahondo
20
38
Gahunga
10
39
Gahungeri
10
40
Gakamba
10
41
Gakenke
10
42
Gako
10
43
Gakoma
10
44
Gakomeye
10
45
Gasambya
10
46
Gasarenda
10
47
Gaseke
10
48
Gasharu
20
49
Gashenyi
10
50
Gasunzu
10
51
Gatenga
10
52
Gati
20
53
Gatovu
10
54
Gatsibo
10
55
Gicaca
0
56
Gihemvu
10
57
Gihinga
10
58
Gihira
10
59
Gikaya
10
60
Gikombe
10
61
Gisiza
10
62
Gisoke
10
63
Gisovu
0
64
Gitita
10
65
Gitwa
10
66
Jurwe
10
67
Kabashumba
20
68
Kabatezi
10
69
Kabere
10
70
Kabeza
10
71
Kabuga
10
72
Kabugondo
10
73
Kabukuba
10
74
Kabumbwe
10
75
Kacyatwa
10
76
Kadaho
10
77
Kagarama
10
78
Kagasa
0
79
Kamanyana
10
80
Kamatamu
10
81
Kampanga
10
82
Kamujisho
10
83
Kanoga
10
84
Kanyana
10
85
Kanyove
10
86
Kanzenze
10
87
Karambi
10
88
Karambo
20
89
Karenge
10
90
Karujumba
10
91
Karuruma
10
92
Katabaro
10
93
Kavumu
10
94
Kawangire
10
95
Kibare
10
96
Kibatsi
10
97
Kibenga
10
98
Kibingo
10
99
Kigarama
20
100
Kimirehe
10
101
Kinazi
10
102
Kintu
10
103
Kiyanza
10
104
Kizirakome
10
105
Mabare
10
106
Makurizo
10
107
Marimba
10
108
Mataba
30
109
Matare
10
110
Matyazo
10
111
Mayange
10
112
Mpinga
10
113
Mubuga
20
114
Mucyimba
10
115
Muganza
20
116
Mugera
10
117
Mukoto
10
118
Mukuyu
10
119
Munanira Ii
11
120
Munini
20
121
Munyege
10
122
Murago
10
123
Murama
11
124
Murambi
30
125
Murinzi
10
126
Murwa
10
127
Musezero
10
128
Musya
10
129
Mwendo
10
130
Nasho
10
131
Ndatemwa
10
132
Nemba
10
133
Nengo
10
134
Ngoma
10
135
Nkira
10
136
Nkumba
10
137
Nsherima
10
138
Nturo
10
139
Nyabitare
20
140
Nyagasenyi
10
141
Nyagatoma
10
142
Nyagishubi
10
143
Nyakabuye
10
144
Nyamirambo
20
145
Nyamiyaga
10
146
Nyamiyonga
10
147
Nyange
20
148
Nyarurama
10
149
Nyaruteja
10
150
Nyaruteme
10
151
Nyirabirori
10
152
Nyundo
30
153
Remera
20
154
Rubona
10
155
Rubumba
10
156
Rugango
10
157
Rugarama
10
158
Rugendabari
10
159
Rugeshi
10
160
Ruhanga
10
161
Ruhembe
10
162
Rukiri I
10
163
Ruturo
10
164
Rwariro
10
165
Sasabirago
10
166
Taba
10
167
Tyazo
10
168
Yonde
10
169
Kabahinda
10
170
Rubirizi
10
171
Rebero
10
172
Gihembe
10
173
Nyanzoga
10
174
Nyamicucu
10
175
Nkoto
10
176
Marembo
10
177
Kirarangombe
10
178
Kanserege
10
179
Kabageshi
10
180
Cyamuganga
10
181
Byahi
10
182
Gicaca
10
183
Mugobero
10
184
Nyamweru
10
AA5.Parish
2003
0
1
Abatuje
10
2
Agashyitsi
10
3
Akamina
10
4
Akishuri
10
5
Amarembo
10
6
Banzankuru
10
7
Barija
10
8
Bihembe
10
9
Birambo
10
10
Bugaragara
10
11
Bugarura
10
12
Bugura
10
13
Buhaza
10
14
Buhinga
10
15
Buhuye
10
16
Bukane
10
17
Bukinanyana
30
18
Bukoro
10
19
Bumonyo B
10
20
Bunge
10
21
Busasamana Ii
10
22
Busenda
10
23
Businde
10
24
Butansinda
10
25
Bweza
10
26
Byange
10
27
Byimana
20
28
Cyenombe
10
29
Cyimana
10
30
Cyumba
10
31
Gacumu
20
32
Gahengeri
10
33
Gahotora
10
34
Gahushyi
10
35
Gasaka
10
36
Gasharu
40
37
Gashuha
10
38
Gasibya
10
39
Gatare
30
40
Gatsinde
10
41
Giheta
10
42
Gihororo
10
43
Gikingo
10
44
Gisiza
10
45
Gitaraga
10
46
Gitarima
10
47
Gitega
10
48
Gitwa
10
49
Humure
10
50
Huriro
10
51
Ihuriro
10
52
Indatwa
10
53
Ingenzi
10
54
Intuntu
10
55
Irukwaya
10
56
Isangano
10
57
Izuba
10
58
Kabagoti
10
59
Kabakono
10
60
Kabare
10
61
Kabirizi
10
62
Kabusunzu
10
63
Kagarama
10
64
Kagasa
10
65
Kagera
10
66
Kagese I
10
67
Kagongo
10
68
Kahi
10
69
Kajeje
10
70
Kajerijeri
10
71
Kamanura
10
72
Kamatovu
10
73
Kamonyi
10
74
Kanini
10
75
Kanombe
10
76
Kanyiranzoga
10
77
Kanyoni
10
78
Karama
10
79
Karambo
20
80
Kareshya
10
81
Karuhigi
10
82
Karujumba Centre
10
83
Karwiru
10
84
Kidogo
10
85
Kigarama
20
86
Kimina
10
87
Kimironko
20
88
Kinkware
10
89
Kirwa
20
90
Kivugangoma I
10
91
Kivumu
10
92
Kivuruga
10
93
Kizibaziba
10
94
Kiziguro
10
95
Kungo
10
96
Kurugenge
10
97
Majanja
10
98
Majuri
10
99
Masizi
10
100
Mataba
10
101
Matare
10
102
Migina
10
103
Misufi
10
104
Mpangare Ii
10
105
Mubuga
10
106
Mugera
10
107
Mugobati
10
108
Mugogo
10
109
Muguruka
10
110
Muhogoto
10
111
Mukimba
10
112
Gahira
10
113
Munini
20
114
Murambi
10
115
Murondo
10
116
Musebeya
10
117
Mutabo
10
118
Muyebe
10
119
Myumba
10
120
Ndarage
10
121
Ndorwa
10
122
Ngongwe
10
123
Ngugo
10
124
Nkundumurimbo
11
125
Nyabayama
10
126
Nyabitare
10
127
Nyabugogo
10
128
Nyabuhoro
10
129
Nyabusozi
10
130
Nyakabingo
10
131
Nyakabungo
20
132
Nyakariba
10
133
Nyakibingo
10
134
Nyamugeyo
10
135
Nyarukoni
10
136
Nyarusongati
10
137
Nyaruteja
10
138
Nyarutosho
10
139
Nyarwahi
10
140
Nyiranuma
11
141
Rebezo
10
142
Remera
10
143
Rubara
10
144
Rubaya
10
145
Rubungo
10
146
Rugali
0
147
Rugarama
10
148
Rugari
20
149
Rugoma
10
150
Ruhamira I
10
151
Ruhana
10
152
Rukeri
10
153
Rukora
10
154
Rukwavu
10
155
Ruminantege
10
156
Runyeri
10
157
Runyinya
10
158
Runzenzi
10
159
Rurama
10
160
Rusambu
10
161
Rusave
10
162
Ruseno
10
163
Rusenyi
10
164
Rushondi
10
165
Rusororo
10
166
Rutagara
10
167
Rutare
10
168
Rutenga
10
169
Rutiti
10
170
Ruyaga
10
171
Rwabaseka
10
172
Rwabigaro
10
173
Rwamaraba
10
174
Rwaseka
10
175
Rwibinyogote
10
176
Ryandinda
10
177
Ryarurimbura
10
178
Taba
11
179
Tare
10
180
Tetero
10
181
Umumeyu
10
182
Urubyiruko
10
183
Uruhuha
10
184
Uwakibaba
10
185
Vumandi
10
AA6. EA Name and number
2003
0
1
Abatuje(6)
10
2
Agashyitsi(8)
10
3
Akamina(119)
10
4
Akishuri(17)
10
5
Amarembo(112)
10
6
Banzankuru(167)
10
7
Barija(134)
10
8
Bihembe(154)
10
9
Birambo(179)
10
10
Bugaragara(131)
10
11
Bugarura(66)
10
12
Bugura(175)
10
13
Buhaza(180)
10
14
Buhinga(35)
10
15
Buhuye(85)
10
16
Bukane(82)
10
17
Bukinanyana(151)
10
18
Bukinanyana(168)
10
19
Bukinanyana(58)
10
20
Bukoro(72)
10
21
Bumonyo B(93)
10
22
Bunge(156)
10
23
Busasamana Ii(107)
10
24
Busenda(48)
10
25
Businde(152)
10
26
Butansinda(178)
10
27
Bweza(49)
10
28
Byange(125)
10
29
Byimana(10)
10
30
Byimana(42)
10
31
Cyenombe(133)
10
32
Cyimana(5)
10
33
Cyumba(53)
10
34
Gacumu(153)
10
35
Gacumu(191)
10
36
Gahengeri(177)
10
37
Gahotora(155)
10
38
Gahushyi(109)
10
39
Gasaka(198)
10
40
Gasharu(195)
10
41
Gasharu(200)
10
42
Gasharu(40)
10
43
Gasharu(67)
10
44
Gashuha(54)
10
45
Gasibya(65)
10
46
Gatare(181)
10
47
Gatare(20)
0
48
Gatare(69)
10
49
Gatsinde(74)
10
50
Giheta(91)
10
51
Gihororo(185)
10
52
Gikingo(9)
10
53
Gisiza(43)
10
54
Gitaraga(2)
10
55
Gitarima(50)
10
56
Gitega(63)
10
57
Gitwa(186)
10
58
Humure(143)
10
59
Huriro(129)
10
60
Ihuriro(128)
10
61
Indatwa(13)
10
62
Ingenzi(14)
10
63
Intuntu(169)
10
64
Irukwaya(122)
10
65
Isangano(12)
10
66
Izuba(16)
10
67
Kabagoti(163)
10
68
Kabakono(173)
10
69
Kabare(137)
10
70
Kabirizi(73)
10
71
Kabusunzu(144)
10
72
Kagarama(24)
10
73
Kagasa(182)
10
74
Kagera(44)
10
75
Kagese I(102)
10
76
Kagongo(62)
10
77
Kahi(135)
10
78
Kajeje(196)
10
79
Kajerijeri(75)
10
80
Kamanura(28)
10
81
Kamatovu(176)
10
82
Kamonyi(120)
10
83
Kanini(92)
10
84
Kanombe(164)
10
85
Kanyiranzoga(161)
10
86
Kanyoni(32)
10
87
Karama(114)
10
88
Karambo(26)
10
89
Karambo(86)
10
90
Kareshya(184)
10
91
Karuhigi(34)
10
92
Karujumba Centre(127)
10
93
Karwiru(38)
10
94
Kidogo(121)
10
95
Kigarama(15)
10
96
Kigarama(174)
10
97
Kimina(162)
10
98
Kimironko(140)
10
99
Kimironko(39)
10
100
Kinkware(59)
10
101
Kirwa(166)
10
102
Kirwa(70)
10
103
Kivugangoma I(111)
10
104
Kivumu(41)
10
105
Kivuruga(157)
10
106
Kizibaziba(183)
10
107
Kiziguro(56)
10
108
Kungo(83)
10
109
Kurugenge(148)
10
110
Majanja(145)
10
111
Majuri(37)
10
112
Masizi(199)
10
113
Mataba(101)
10
114
Matare(142)
10
115
Migina(147)
10
116
Misufi(22)
10
117
Mpangare Ii(141)
10
118
Mubuga(47)
10
119
Mugera(96)
10
120
Mugobati(68)
10
121
Mugogo(87)
10
122
Muguruka(95)
10
123
Muhogoto(124)
10
124
Mukimba(171)
10
125
Gahira(76)
10
126
Munini(11)
10
127
Munini(94)
10
128
Murambi(89)
10
129
Murondo(21)
10
130
Musebeya(188)
10
131
Mutabo(78)
10
132
Muyebe(23)
10
133
Myumba(61)
10
134
Ndarage(113)
10
135
Ndorwa(57)
10
136
Ngongwe(79)
10
137
Ngugo(52)
10
138
Nkundumurimbo(18)
11
139
Nyabayama(103)
10
140
Nyabitare(170)
10
141
Nyabugogo(117)
10
142
Nyabuhoro(149)
10
143
Nyabusozi(165)
10
144
Nyakabingo(36)
10
145
Nyakabungo(138)
10
146
Nyakabungo(98)
10
147
Nyakariba(4)
10
148
Nyakibingo(25)
10
149
Nyamugeyo(64)
10
150
Nyarukoni(136)
10
151
Nyarusongati(45)
10
152
Nyaruteja(115)
10
153
Nyarutosho(77)
10
154
Nyarwahi(187)
10
155
Nyiranuma(19)
11
156
Rebezo(106)
10
157
Remera(193)
10
158
Rubara(81)
10
159
Rubaya(46)
10
160
Rubungo(139)
10
161
Rugali(55)
10
162
Rugarama(172)
10
163
Rugari(97)
10
164
Rugoma(189)
10
165
Ruhamira I(160)
10
166
Ruhana(33)
10
167
Rukeri(159)
10
168
Rukora(146)
10
169
Rukwavu(80)
10
170
Ruminantege(197)
10
171
Runyeri(130)
10
172
Runyinya(108)
10
173
Runzenzi(190)
10
174
Rurama(110)
10
175
Rusambu(84)
10
176
Rusave(71)
10
177
Ruseno(1)
10
178
Rusenyi(158)
10
179
Rushondi(29)
10
180
Rusororo(132)
10
181
Rutagara(116)
10
182
Rutare(118)
10
183
Rutenga(194)
10
184
Rutiti(30)
10
185
Ruyaga(99)
10
186
Rwabaseka(104)
10
187
Rwabigaro(105)
10
188
Rwamaraba(27)
10
189
Rwaseka(60)
10
190
Rwibinyogote(150)
10
191
Ryandinda(100)
10
192
Ryarurimbura(90)
10
193
Taba(7)
11
194
Tare(192)
10
195
Tetero(3)
10
196
Umumeyu(126)
10
197
Urubyiruko(51)
10
198
Uruhuha(123)
10
199
Uwakibaba(31)
10
200
Vumandi(88)
10
201
Gatare(201)
10
AA7. Ea type
2003
0
1
Urban
333
2
Rural
1670
AA8. Settlement Size
2003
0
1
Capital city
203
2
250,000 and over
0
3
100,000-249,999
0
4
50,000-99,999
0
5
20,000-49,999
0
6
5,000-19,999
0
7
2,000-4,999
20
8
Under 2,000
1780
AA10. Respondent ID number
2003
0
0
1.19808e+17
AB1. Date(dd.mm.yyyy)
2003
2014-12-10
2015-02-18
2014-12-10
17
2014-12-11
40
2014-12-12
55
2014-12-13
41
2014-12-16
48
2014-12-17
69
2014-12-18
57
2014-12-19
66
2014-12-20
67
2014-12-21
56
2014-12-22
58
2014-12-23
65
2014-12-24
70
2014-12-26
49
2014-12-27
49
2014-12-28
72
2014-12-29
71
2014-12-30
70
2014-12-31
68
2015-01-02
59
2015-01-03
70
2015-01-04
68
2015-01-05
73
2015-01-06
59
2015-01-07
74
2015-01-08
59
2015-01-09
69
2015-01-10
68
2015-01-11
60
2015-01-12
40
2015-01-13
50
2015-01-14
49
2015-01-15
51
2015-01-16
23
2015-01-17
15
2015-01-18
6
2015-01-20
3
2015-01-21
4
2015-01-22
1
2015-01-23
1
2015-01-26
1
2015-01-30
1
2015-01-31
1
2015-02-18
10
AB2. Day of the week
2003
0
1
Monday
243
2
Tuesday
295
3
Wednesday
361
4
Thursday
208
5
Friday
323
6
Saturday
311
7
Sunday
262
AB3. Start Time (hh:mm)
2003
0
27600000
81720000
AB4. End Time (hh:mm)
2003
0
32280000
86340000
AB5. Duration
2003
0
13
230
AB6.1. Interviewer Number
2003
0
1
RS 00112R
1
2
RS 00126R
100
3
RS 00113R
94
4
RS 00114R
92
5
RS 00105R
1
6
RS 00118R
105
7
RS 00132R
103
8
RS 00104R
105
9
RS 00136R
4
10
RS 00127R
101
11
RS 00115R
85
12
RS 00133R
81
13
RS 00129R
0
14
RS 00125R
5
15
RS 00128R
92
16
RS 00134R
94
17
RS 00135R
79
18
RS 00111R
12
19
RS 00131R
86
20
RS 00119R
78
21
RS 00117R
91
22
RS 00120R
2
23
RS 00122R
100
24
RS 00121R
99
25
RS 00130R
108
26
RS 00100R
7
27
RS 00110R
105
28
RS 00123R
89
29
RS 00101R
82
30
RS 00124R
2
31
RS 00103R
0
32
RS 00116R
0
AB6.2. Supervisor number
2003
0
1
RS 00103R
2
2
RS 00116R
0
3
RS 00100R
280
4
RS 00120R
319
5
RS 00111R
258
6
RS 00129R
271
7
RS 00136R
271
8
RS 00105R
311
9
RS 00112R
291
AB7.Interviewer gender
2003
0
1
Male
742
2
Female
1261
Year respondent was born in by group
2003
0
1
1914-1939
59
2
1940-1959
266
3
1960-1979
619
4
1980-2000
1059
DG2. Is the respondent a male or a female?
2003
0
1
Male
686
2
Female
1317
DG3. What is your marital status?
2003
0
1
Single/ never married
407
2
Polygamously married
17
3
Monogamously married
1169
4
Divorced
9
5
Separated
91
6
Widowed
244
7
Living together/ cohabiting
46
8
Other (Specify)
18
9
DK/Refused
2
DG3a.What is your relationship to the household head?
2003
0
1
Household Head
872
2
Spouse (legally married or co-habitating)
754
3
Own child
191
4
Sibling (brother or sister)
36
5
Parent (mother or father)
108
6
Grandchild
8
7
Grandparent
13
8
Niece/nephew
3
9
Adopted child
1
10
Mother/father-in-law
3
11
Brother/sister-in-law
3
12
Friend
5
13
Worker
1
14
Other (Specify)
5
15
DK/Refused
0
DG4. What is your highest level of education?
2003
0
1
No formal education
536
2
Primary education,1-3
600
3
Primary education,4-6
456
4
Secondary education,1-3
177
5
Secondary education,4-6
78
6
Some secondary vocational training/some certificate
14
7
Secondary vocational training complete/certificate complete
7
8
Some diploma
5
9
Diploma complete
11
10
Some college/university
17
11
Complete university degree
30
12
Post-graduate university degree
3
13
Koranic school
1
14
Other (Specify)
62
15
DK/Refused
6
DG5.1. Do you have any of the following types of an official identification? Nat
2003
0
1
Yes
1791
2
No
212
DG5.1. Do you have any of the following types of an official identification? National ID
DG5.2. Do you have any of the following types of an official identification? Pas
2003
0
1
Yes
48
2
No
1955
DG5.2. Do you have any of the following types of an official identification? Passport
DG5.3. Do you have any of the following types of an official identification? Dri
2003
0
1
Yes
27
2
No
1976
DG5.3. Do you have any of the following types of an official identification? Driver’s license
DG5.4. Do you have any of the following types of an official identification? Sch
2003
0
1
Yes
99
2
No
1904
DG5.4. Do you have any of the following types of an official identification? School-issued ID
DG5.5. Do you have any of the following types of an official identification? Emp
2003
0
1
Yes
25
2
No
1978
DG5.5. Do you have any of the following types of an official identification? Employee ID (For Government / Civil Servants)
DG5.6. Do you have any of the following types of an official identification? Mil
2003
0
1
Yes
6
2
No
1997
DG5.6. Do you have any of the following types of an official identification? Military ID
DG5.7. Do you have any of the following types of an official identification? Bir
2003
0
1
Yes
67
2
No
1936
DG5.7. Do you have any of the following types of an official identification? Birth Certificate
DG5.8. Do you have any of the following types of an official identification? Oth
2003
0
1
Yes
75
2
No
1928
DG5.8. Do you have any of the following types of an official identification? Other(specify)
MT1. Do you personally own a mobile phone?
Do you personally have a mobile phone?
2003
0
1
Yes
863
2
No
1140
MT3. You said you don't have a personal mobile phone. Do you use a mobile phone
You said you don't have a personal mobile phone. Do you use a mobile phone that belongs to someone else either by borrowing or paying for its use?
1140
863
1
Yes
414
2
No
726
Sysmiss
863
MT3. You said you don't have a personal mobile phone. Do you use a mobile phone that belongs to someone else either by borrowing or paying for its use?
MT4. What is the main reason do you not have a mobile phone and do not use someb
What is the main reason you do not have a mobile phone and do not use somebody else's mobile phone?
726
1277
1
No one in our house owns a phone
31
2
I don’t have anyone to call
111
3
I am not allowed to use a phone by my spouse
3
4
I am not allowed to use a phone by my parents
15
5
I am not allowed to use a phone by other family members
0
6
Using a phone is against my culture/religion
1
7
I don’t have money to buy a phone
408
8
I don’t have money to pay for airtime
37
9
There is no network where I live/work
0
10
I worry about what people in my community would think
0
11
I don’t have a need to use a phone
26
12
I cannot charge my phone: there is not electricity/no way to charge my phone
0
13
No specific reason
94
14
Other (Specify)
0
Sysmiss
1277
MT4. What is the main reason do you not have a mobile phone and do not use somebody else’s mobile phone?
MT5. Whose phone are you most likely to use if you need to?
Whose phone are you most likely to use if you need to?
414
1589
1
Spouse
114
2
Parent
27
3
Child
64
4
Cousin
5
5
Niece or nephew
3
6
Aunt or uncle
7
7
Grandparent
4
8
Other relative (Specify)
42
9
Workmate or a business partner
1
10
Neighbor, not a relative
117
11
Mobile Operator’s agent/employee
0
12
Friend
16
13
Grandchild
4
14
Helper at home or assistant at work
1
15
Other (Specify)
9
Sysmiss
1589
MT6.What is the gender of that person in MT5?
Whose phone are you most likely to use if you need to?
What is the gender of that person?
414
1589
1
Male
266
2
Female
148
Sysmiss
1589
MT7.Do you personally have an active/working SIM card?
Do you personally have an active/working SIM card?
2003
0
1
Yes
929
2
No
1074
MT8.1.How many active/working SIM cards do you have with the following provider? MTN
929
1074
0
143
1
739
2
43
3
4
Sysmiss
1074
MT8.1.How many active/working SIM cards do you have with the following provider?MTN
MT8.2.How many active/working SIM cards do you have with the following provider? Tigo
929
1074
0
429
1
469
2
31
Sysmiss
1074
MT8.2.How many active/working SIM cards do you have with the following provider?Tigo
MT8.3.How many active/working SIM cards do you have with the following provider? Airtel
929
1074
0
760
1
150
2
19
Sysmiss
1074
MT8.3.How many active/working SIM cards do you have with the following provider?Airtel
MT8.4.How many active/working SIM cards do you have with the following provider? Other (Specify)
929
1074
0
926
2
3
Sysmiss
1074
MT8.4.How many active/working SIM cards do you have with the following provider?Other(Specify)
MT8.5.How many active/working SIM cards do you have with the following provider? DK/Refused
0
2003
1
Yes
0
2
No
0
Sysmiss
2003
MT8.5.How many active/working SIM cards do you have with the following provider?DK/Refused
MT9.You said you don't personally have a SIM card. Do you use a SIM card that be
You said you don't personally have a SIM card. Do you use a SIM card that belongs to somebody else?
1074
929
1
Yes
310
2
No
764
Sysmiss
929
MT9.You said you don’t personally have a SIM card. Do you use a SIM card that belongs to somebody else?
MT9a.For how many years have you been using a mobile phone?
For how many years have you been using a mobile phone?
1277
726
1
Less than 6 months
109
2
6 months to less than 1 year
184
3
1-3 years
368
4
More than 3 years to 5 years
235
5
More than 5 years
381
Sysmiss
726
MT10.1.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
656
2
In the past 7 days
317
3
187
4
In the past 90 days
59
5
More than 90 days ago
37
6
Never
21
Sysmiss
726
MT10.1.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people? Made calls
MT11.1 When you Made calls,Do you do it yourself or does someone help you with t
1256
747
1
Do everything myself
1101
2
Somebody helps me with part of the activity
116
3
Somebody helps me with entire activity
39
Sysmiss
747
MT11.1 When you Made calls,Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.2.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
702
2
In the past 7 days
270
3
184
4
In the past 90 days
55
5
More than 90 days ago
31
6
Never
35
Sysmiss
726
MT10.2.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Received calls
MT11.2 When you Received calls,Do you do it yourself or does someone help you wi
1242
761
1
Do everything myself
1110
2
Somebody helps me with part of the activity
104
3
Somebody helps me with entire activity
28
Sysmiss
761
MT11.2 When you Received calls,Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.3.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
295
2
In the past 7 days
185
3
118
4
In the past 90 days
33
5
More than 90 days ago
10
6
Never
636
Sysmiss
726
MT10.3.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Sent/received text messages
MT11.3 When you Sent/received text messages,Do you do it yourself or does someon
641
1362
1
Do everything myself
609
2
Somebody helps me with part of the activity
22
3
Somebody helps me with entire activity
10
Sysmiss
1362
MT11.3 When you Sent/received text messages,Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.4.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
41
2
In the past 7 days
50
3
7
4
In the past 90 days
6
5
More than 90 days ago
6
6
Never
1167
Sysmiss
726
MT10.4.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Sent/received photo messages (MMS)
MT11.4 When you Sent/received photo messages (MMS),Do you do it yourself or does
110
1893
1
Do everything myself
93
2
Somebody helps me with part of the activity
14
3
Somebody helps me with entire activity
3
Sysmiss
1893
MT11.4 When you Sent/received photo messages (MMS),Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.5.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
62
2
In the past 7 days
65
3
19
4
In the past 90 days
4
5
More than 90 days ago
1
6
Never
1126
Sysmiss
726
MT10.5.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Used/browsed the internet
MT11.5 When you Used/browsed the internet,Do you do it yourself or does someone
151
1852
1
Do everything myself
132
2
Somebody helps me with part of the activity
15
3
Somebody helps me with entire activity
4
Sysmiss
1852
MT11.5 When you Used/browsed the internet,Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.6.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
15
2
In the past 7 days
42
3
5
4
In the past 90 days
7
5
More than 90 days ago
2
6
Never
1206
Sysmiss
726
MT10.6.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Downloaded music, video or games
MT11.6 When you Downloaded music, video or games,Do you do it yourself or does s
71
1932
1
Do everything myself
51
2
Somebody helps me with part of the activity
17
3
Somebody helps me with entire activity
3
Sysmiss
1932
MT11.6 When you Downloaded music, video or games,Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.7.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
25
2
In the past 7 days
86
3
23
4
In the past 90 days
8
5
More than 90 days ago
4
6
Never
1131
Sysmiss
726
MT10.7.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Made a financial transaction such as send/receive money, pay debt, or banking transaction
MT11.7 When you Made a financial transaction such as send/receive money, pay deb
146
1857
1
Do everything myself
124
2
Somebody helps me with part of the activity
15
3
Somebody helps me with entire activity
7
Sysmiss
1857
MT11.7 When you Made a financial transaction such as send/receive money, pay debt, or banking transaction,Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.8.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
14
2
In the past 7 days
37
3
16
4
In the past 90 days
12
5
More than 90 days ago
10
6
Never
1188
Sysmiss
726
MT10.8.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Used “Call Tunes” or other audio/video on-demand-from operator services
MT11.8 When you Used Call Tunes or other audio/video on-demand-from operator s
89
1914
1
Do everything myself
68
2
Somebody helps me with part of the activity
16
3
Somebody helps me with entire activity
5
Sysmiss
1914
MT11.8 When you Used “Call Tunes” or other audio/video on-demand-from operator services,Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.9.Apart from today, when was the last time you performed the following acti
1277
726
1
Yesterday
64
2
In the past 7 days
57
3
14
4
In the past 90 days
3
5
More than 90 days ago
3
6
Never
1136
Sysmiss
726
MT10.9.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Used Facebook, Whatsap, Twitter, Instagram or another social networking site
MT11.9 When you Used Facebook, Whatsap, Twitter, Instagram or another social net
141
1862
1
Do everything myself
124
2
Somebody helps me with part of the activity
14
3
Somebody helps me with entire activity
3
Sysmiss
1862
MT11.9 When you Used Facebook, Whatsap, Twitter, Instagram or another social networking site,Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.10.Apart from today, when was the last time you performed the following act
1277
726
1
Yesterday
57
2
In the past 7 days
68
3
28
4
In the past 90 days
10
5
More than 90 days ago
4
6
Never
1110
Sysmiss
726
MT10.10.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Took a color picture
MT11.10 When you Took a color picture Do you do it yourself or does someone help
167
1836
1
Do everything myself
146
2
Somebody helps me with part of the activity
17
3
Somebody helps me with entire activity
4
Sysmiss
1836
MT11.10 When you Took a color picture Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.11.Apart from today, when was the last time you performed the following act
1277
726
1
Yesterday
48
2
In the past 7 days
43
3
13
4
In the past 90 days
2
5
More than 90 days ago
3
6
Never
1168
Sysmiss
726
MT10.11.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Downloaded/used a mobile application
MT11.11 When you Downloaded/used a mobile application Do you do it yourself or d
109
1894
1
Do everything myself
87
2
Somebody helps me with part of the activity
18
3
Somebody helps me with entire activity
4
Sysmiss
1894
MT11.11 When you Downloaded/used a mobile application Do you do it yourself or does someone help you with the entire or a part of an activity?
MT10.12.Apart from today, when was the last time you performed the following act
1277
726
1
Yesterday
56
2
In the past 7 days
37
3
7
4
In the past 90 days
1
5
More than 90 days ago
4
6
Never
1172
Sysmiss
726
MT10.12.Apart from today, when was the last time you performed the following activities on your personal phone or on the phone that you borrow/rent from other people?Used touch-screen
MT11.12 When you used touch-screen Do you do it yourself or does someone help yo
105
1898
1
Do everything myself
85
2
Somebody helps me with part of the activity
17
3
Somebody helps me with entire activity
3
Sysmiss
1898
MT11.12 When you used touch-screen Do you do it yourself or does someone help you with the entire or a part of an activity?
FF1. Do you personally have a bank account that is registered in your name?
READ TO THE RESPONDENT: Now, I am going to ask you a few questions about banks. In this section, we want to talk ONLY about banks. We do not include SACCOs, Microfinancial Institutions, "government banks" or any other organizations that are like banks but are not officially called banks nor are they registered as banks.
Do you personally have a bank account that is registered in your name?
2003
0
1
Yes
312
2
No
1691
FF2. Do you usually make transactions with your bank account yourself or does so
Do you usually make transactions with your bank account yourself or does somebody else do them on your behalf?
312
1691
1
Make transactions myself
277
2
Somebody does them on my behalf
35
Sysmiss
1691
FF2. Do you usually make transactions with your bank account yourself or does somebody else do them on your behalf?
FF3. Who is the person that makes transactions with your bank account on your be
Who is the person that makes transactions with your bank account on your behalf most frequently?
35
1968
1
Spouse
10
2
Parent
0
3
Child
6
4
Cousin
0
5
Niece or nephew
0
6
Aunt or uncle
0
7
Grandparent
0
8
Other relative (Specify)
1
9
Workmate or a business partner
1
10
Neighbor, not a relative
2
11
Mobile Operator’s agent/employee
2
12
Friend
9
13
Grandchild
0
14
Helper at home or assistant at work
4
15
Other (Specify)
0
Sysmiss
1968
FF3. Who is the person that makes transactions with your bank account on your behalf most frequently?
FF4. What is the gender of the person in FF3
Who is the person that makes transactions with your bank account on your behalf most frequently?
What is the gender of that person?
35
1968
1
Male
18
2
Female
17
Sysmiss
1968
FF5.What is the main reason you do not have a bank account?
What is the main reason you do not have a bankaccount?
DO NOT READ. CODE TO FIT. SINGLE ANSWER
1691
312
1
I do not know what it is
9
2
I do not know how to open one
10
3
I do not have a state-issued/national ID or other required documents
21
4
I prefer to use another type of institution, e.g. SACCO or MFI
122
5
I do not have money to use a bank
857
6
I do not need one, I do not make any transactions
27
7
Registration paperwork is too complicated
0
8
Registration fee is too high/ Fees for using a bank account are too high/ banks are too expensive/I can’t afford the min
28
9
Using a bank account is difficult
2
10
I do not have money to make any transactions with such account
444
11
No one among my friends or family has such account
2
12
I do not understand the purpose of such account, I do not know what I can use it for
1
13
There are no banks/bank agents close to where I live/work
10
14
Banks are not reliable
0
15
Banks do not offer the services I need
3
16
Bank staff/agents are unfriendly; they make me feel unwelcomed
0
17
Bank hours are not convenient for me
0
18
I never thought about using a bank
8
19
I do not trust banks/that my money is safe in a bank
1
20
I would rather have my money close to me
1
21
I use mobile money
10
22
I don’t have time to go to the bank
2
23
I use somebody else’s account
8
24
My husband, family, in-laws do not approve of me having a bank account.
0
25
I will not be able to go to a bank on my own
2
26
It’s not approved by my religion
0
27
Other
119
28
DK/Refused
4
Sysmiss
312
FF6.Do you use a bank account that belongs to somebody else if you need to?
Do you use a bankaccount that belongs to somebody else if you need to?
1691
312
1
Yes
36
2
No
1655
Sysmiss
312
FF7.Whose bank account are you most likely to use if you need to?
Whose bankaccount are you most likely to use if you need to?
36
1967
1
Spouse
22
2
Parent
6
3
Child
1
4
Cousin
0
5
Niece or nephew
0
6
Aunt or uncle
1
7
Grandparent
0
8
Other relative (Specify)
1
9
Workmate or a business partner
1
10
Neighbor, not a relative
3
11
Mobile Operator’s agent/employee
0
12
Friend
1
13
Grandchild
0
14
Helper at home or assistant at work
0
15
Other (Specify)
0
Sysmiss
1967
FF8. What is the gender of the person of FF7?
What is the gender of that person?
36
1967
1
Male
27
2
Female
9
Sysmiss
1967
FF9.Which of the following services does your bank offer? It does not matter if
READ TO THE RESPONDENT: In the next set of questions I want to ask about a bank account that you personally have or that belongs to somebody else but you use it. If you have more than one bank account, please, choose the one that you use the most.
Which of the following services does your bank offer? It does not matter if you use those services, I just want to know if they are available to you.
348
1655
1
323
2
Only loans and no other financial services
19
3
None of the above
6
Sysmiss
1655
FF9.Which of the following services does your bank offer? It does not matter if you use those services.
FF10.1.Does the statement apply to your bank account or a bank account you use t
323
1680
1
Yes
198
2
No
89
3
DK/Refused
36
Sysmiss
1680
FF10.1.Does the statement apply to your bank account or a bank account you use that belongs to someone else?The bank offers a debit/ATM card or a credit card with this account
FF10.2.Does the statement apply to your bank account or a bank account you use t
323
1680
1
Yes
120
2
No
128
3
DK/Refused
75
Sysmiss
1680
FF10.2.Does the statement apply to your bank account or a bank account you use that belongs to someone else?You can access your account and make transactions using either a mobile phone application or the bank’s website
FF10.3.Does the statement apply to your bank account or a bank account you use t
323
1680
1
Yes
187
2
No
86
3
DK/Refused
50
Sysmiss
1680
FF10.3.Does the statement apply to your bank account or a bank account you use that belongs to someone else?Money can be transferred to/from this account without using cash (e.g. receive salary or government benefits, direct deposit, automatic payments or
FF11.1.How many of the following type of bank account do you have? Current
294
1709
0
1
1
230
2
50
3
10
4
2
5
1
Sysmiss
1709
FF12.1.How many of the following type of bank accounts of other people can you u
29
1974
0
2
1
25
2
2
Sysmiss
1974
FF12.1.How many of the following type of bank accounts of other people can you use?Current
FF11.2.How many of the following type of bank account do you have?Savings/fixed
294
1709
0
261
1
24
2
9
Sysmiss
1709
FF12.2.How many of the following type of bank accounts of other people can you u
29
1974
0
25
1
2
2
1
5
1
Sysmiss
1974
FF12.2.How many of the following type of bank accounts of other people can you use?Savings/fixed
FF11.3.How many of the following type of bank account do you have?Student
294
1709
0
274
1
12
2
8
Sysmiss
1709
FF12.3.How many of the following type of bank accounts of other people can you u
29
1974
0
29
Sysmiss
1974
FF12.3.How many of the following type of bank accounts of other people can you use?Student
FF11.4.How many of the following type of bank account do you have?Other(Specify)
294
1709
0
291
2
3
Sysmiss
1709
FF11.4.How many of the following type of bank account do you have?Other(Specify).
FF12.4.How many of the following type of bank accounts of other people can you u
29
1974
0
29
Sysmiss
1974
FF12.4.How many of the following type of bank accounts of other people can you use?Other(Specify).
FF14.Apart from today, when was the last time you made a deposit or withdrawal u
Apart from today, when was the last time you made a deposit or withdrawal using a bank account or used a bank account for any other financial activity?
323
1680
1
Yesterday
20
2
In the past 7 days
54
3
97
4
In the past 90 days
44
5
More than 90 days ago
84
6
Never
24
Sysmiss
1680
FF14.Apart from today, when was the last time you made a deposit or withdrawal using a bank account or used a bank account for any other financial activity?
FF15.1.When you use a bank account for any financial activity, do you use any of
299
1704
1
Yes
287
2
No
12
Sysmiss
1704
FF15.1.When you use a bank account for any financial activity, do you use any of the following? Over the counter in a branch of the bank
FF16.1 How far (in km) is the closest ______ from the place where you live?Over
287
1716
1
0.5 km or less
51
2
More than 0.5 km to 1km
52
3
More than 1km to 5km
105
4
More than 5km to 10km
50
5
More than 10km to 15km
16
6
More than 15km
13
Sysmiss
1716
FF16.1 How far (in km) is the closest ______ from the place where you live?Over the counter in a branch of the bank
FF17.1 If you have to walk, how many minutes does it take you to get to the clos
287
1716
1
15 minutes or less
66
2
More than 15 to 30 minutes
74
3
More than 30 minutes to an hour
71
4
More than an hour to 2 hours
51
5
More than 2 hours to 4 hours
18
6
More than 4 hours
7
Sysmiss
1716
FF17.1 If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live?Over the counter in a branch of the bank
FF17a.1.If you have to take any transport to get to the closet_______, what is t
287
1716
-99
DK/Refused
5
0
17
100
11
150
1
200
45
250
3
300
46
400
8
500
43
600
14
700
5
800
5
1000
36
1200
1
1500
11
2000
20
2007
1
2500
2
3000
9
4000
1
5000
1
10000
1
12000
1
Sysmiss
1716
FF17a.1.If you have to take any transport to get to the closet_______, what is the typical/average amount you will have to pay (RWF)? Over the counter in a branch of the bank
FF15.2.When you use a bank account for any financial activity, do you use any of
299
1704
1
Yes
71
2
No
228
Sysmiss
1704
FF15.2.When you use a bank account for any financial activity, do you use any of the following? ATM
FF16.2 How far (in km) is the closest ______ from the place where you live?ATM
71
1932
1
0.5 km or less
20
2
More than 0.5 km to 1km
12
3
More than 1km to 5km
23
4
More than 5km to 10km
7
5
More than 10km to 15km
1
6
More than 15km
8
Sysmiss
1932
FF17.2 If you have to walk, how many minutes does it take you to get to the clos
71
1932
1
15 minutes or less
25
2
More than 15 to 30 minutes
26
3
More than 30 minutes to an hour
11
4
More than an hour to 2 hours
3
5
More than 2 hours to 4 hours
4
6
More than 4 hours
2
Sysmiss
1932
FF17.2 If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live?ATM
FF17a.2.If you have to take any transport to get to the closet_______, what is t
71
1932
-99
DK/Refused
3
0
6
100
5
150
1
200
18
250
2
300
20
400
3
500
5
600
3
800
1
1000
1
2000
1
2500
1
10000
1
Sysmiss
1932
FF17a.2.If you have to take any transport to get to the closet_______, what is the typical/average amount you will have to pay (RWF)? ATM
FF15.3.When you use a bank account for any financial activity, do you use any of
299
1704
1
Yes
16
2
No
283
Sysmiss
1704
FF15.3.When you use a bank account for any financial activity, do you use any of the following? Over the counter at a retail store/designated banking agent
FF16.3 How far (in km) is the closest ______ from the place where you live?Over
16
1987
1
0.5 km or less
5
2
More than 0.5 km to 1km
3
3
More than 1km to 5km
3
4
More than 5km to 10km
3
5
More than 10km to 15km
1
6
More than 15km
1
Sysmiss
1987
FF16.3 How far (in km) is the closest ______ from the place where you live?Over the counter at a retail store/designated banking agent
FF17.3 If you have to walk, how many minutes does it take you to get to the clos
16
1987
1
15 minutes or less
5
2
More than 15 to 30 minutes
8
3
More than 30 minutes to an hour
2
4
More than an hour to 2 hours
1
5
More than 2 hours to 4 hours
0
6
More than 4 hours
0
Sysmiss
1987
FF17.3 If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live?Over the counter at a retail store/designated banking agent
FF17a.3.If you have to take any transport to get to the closet_______, what is t
16
1987
-99
DK/Refused
3
0
1
100
2
200
3
300
4
400
1
500
1
1000
1
Sysmiss
1987
FF17a.3.If you have to take any transport to get to the closet_______, what is the typical/average amount you will have to pay (RWF)? Over the counter at a retail store/designated banking agent
FF15.4.When you use a bank account for any financial activity, do you use any of
299
1704
1
Yes
10
2
No
289
Sysmiss
1704
FF15.4.When you use a bank account for any financial activity, do you use any of the following? Independent banking agent
FF16.4 How far (in km) is the closest ______ from the place where you live? Inde
10
1993
1
0.5 km or less
4
2
More than 0.5 km to 1km
2
3
More than 1km to 5km
2
4
More than 5km to 10km
1
5
More than 10km to 15km
0
6
More than 15km
1
Sysmiss
1993
FF16.4 How far (in km) is the closest ______ from the place where you live? Independent banking agent
FF17.4 If you have to walk, how many minutes does it take you to get to the clos
10
1993
1
15 minutes or less
4
2
More than 15 to 30 minutes
2
3
More than 30 minutes to an hour
2
4
More than an hour to 2 hours
0
5
More than 2 hours to 4 hours
1
6
More than 4 hours
1
Sysmiss
1993
FF17.4 If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live? Independent banking agent
FF17a.4.If you have to take any transport to get to the closet_______, what is t
10
1993
-99
DK/Refused
2
0
2
100
1
200
1
400
1
500
1
600
1
10000
1
Sysmiss
1993
FF17a.4.If you have to take any transport to get to the closet_______, what is the typical/average amount you will have to pay (RWF)? Independent banking agent
FF15.5.When you use a bank account for any financial activity, do you use any of
299
1704
1
Yes
5
2
No
294
Sysmiss
1704
FF15.5.When you use a bank account for any financial activity, do you use any of the following? Bank’s website
FF15.6.When you use a bank account for any financial activity, do you use any of
299
1704
1
Yes
25
2
No
274
Sysmiss
1704
FF15.6.When you use a bank account for any financial activity, do you use any of the following?Mobile app
FF15.7.When you use a bank account for any financial activity, do you use any of
299
1704
1
Yes
8
2
No
291
Sysmiss
1704
FF15.7.When you use a bank account for any financial activity, do you use any of the following? Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money agent for withdrawal or depositing with
FF15.8.When you use a bank account for any financial activity, do you use any of
299
1704
1
Yes
0
2
No
299
Sysmiss
1704
FF15.8.When you use a bank account for any financial activity, do you use any of the following? Other(specify)
FF16.8 How far (in km) is the closest ______ from the place where you live?Other
0
2003
1
0.5 km or less
0
2
More than 0.5 km to 1km
0
3
More than 1km to 5km
0
4
More than 5km to 10km
0
5
More than 10km to 15km
0
6
More than 15km
0
Sysmiss
2003
FF16.8 How far (in km) is the closest ______ from the place where you live?Other(Specify)
FF17.8 If you have to walk, how many minutes does it take you to get to the clos
0
2003
1
15 minutes or less
0
2
More than 15 to 30 minutes
0
3
More than 30 minutes to an hour
0
4
More than an hour to 2 hours
0
5
More than 2 hours to 4 hours
0
6
More than 4 hours
0
Sysmiss
2003
FF17.8 If you have to walk, how many minutes does it take you to get to the closest _______________ from the place where you live?Other(Specify)
FF17a.8.If you have to take any transport to get to the closet_______, what is t
0
2003
Sysmiss
2003
FF17a.8.If you have to take any transport to get to the closet_______, what is the typical/average amount you will have to pay (RWF)? Other(specify)
FF18.1.Of the different ways you use a bank for financial activities, which is y
295
1708
1
Over the counter in a branch of the bank
270
2
atm
5
3
Bank’s website
0
4
Mobile app
1
5
Over the counter at a retail store/designated banking agent
3
6
Other banking agent
0
7
Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money
0
8
Other (Specify)
16
Sysmiss
1708
FF18.1.Of the different ways you use a bank for financial activities, which is your preferred way for the specific activities? Deposits
FF18.2.Of the different ways you use a bank for financial activities, which is y
295
1708
1
Over the counter in a branch of the bank
238
2
atm
47
3
Bank’s website
0
4
Mobile app
2
5
Over the counter at a retail store/designated banking agent
2
6
Other banking agent
0
7
Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money
0
8
Other (Specify)
6
Sysmiss
1708
FF18.2.Of the different ways you use a bank for financial activities, which is your preferred way for the specific activities? Withdrawals
FF18.3.Of the different ways you use a bank for financial activities, which is y
295
1708
1
Over the counter in a branch of the bank
43
2
atm
5
3
Bank’s website
2
4
Mobile app
3
5
Over the counter at a retail store/designated banking agent
4
6
Other banking agent
3
7
Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money
10
8
Other (Specify)
225
Sysmiss
1708
FF18.3.Of the different ways you use a bank for financial activities, which is your preferred way for the specific activities? Routine/daily purchases
FF18.4.Of the different ways you use a bank for financial activities, which is y
295
1708
1
Over the counter in a branch of the bank
54
2
atm
5
3
Bank’s website
1
4
Mobile app
4
5
Over the counter at a retail store/designated banking agent
4
6
Other banking agent
1
7
Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money
9
8
Other (Specify)
217
Sysmiss
1708
FF18.4.Of the different ways you use a bank for financial activities, which is your preferred way for the specific activities? Bill payment
FF19.1.Which of the following have you ever done using a bank account? Deposit m
299
1704
1
Yes
264
2
No
35
Sysmiss
1704
FF19.1.Which of the following have you ever done using a bank account? Deposit money
FF20.1.In the past 30 days, how many times did you use a bank account for such a
264
1739
0
142
1
60
2
31
3
15
4
4
5
3
6
1
9
1
10
1
100
1
999
DK/Refused
5
Sysmiss
1739
FF20.1.In the past 30 days, how many times did you use a bank account for such activities?Deposit money
FF20a.1.In the past 180 days (6 months), how many times did you use a bank accou
264
1739
0
56
1
36
2
50
3
26
4
18
5
20
6
23
7
3
8
3
9
2
10
10
11
1
14
1
15
2
16
1
20
2
30
1
40
2
150
1
999
DK/Refused
6
Sysmiss
1739
FF20a.1.In the past 180 days (6 months), how many times did you use a bank account for such activities?Deposit money
FF20b.1.Have you ever used a debit/ATM card for this transaction?.Deposit money
264
1739
1
Yes
8
2
No
256
Sysmiss
1739
FF19.2.Which of the following have you ever done using a bank account? Withdraw
299
1704
1
Yes
291
2
No
8
Sysmiss
1704
FF19.2.Which of the following have you ever done using a bank account? Withdraw money
FF20.2.In the past 30 days, how many times did you use a bank account for such a
291
1712
0
133
1
79
2
34
3
11
4
10
5
7
6
3
7
1
8
1
10
2
12
1
15
2
50
1
999
DK/Refused
6
Sysmiss
1712
FF20.2.In the past 30 days, how many times did you use a bank account for such activities?Withdraw money
FF20a.2.In the past 180 days (6 months), how many times did you use a bank accou
291
1712
0
54
1
43
2
36
3
35
4
27
5
15
6
22
7
3
8
8
9
1
10
9
11
1
12
5
13
2
15
3
16
1
20
8
21
2
22
2
29
1
30
1
35
1
40
1
50
1
60
1
100
1
999
DK/Refused
7
Sysmiss
1712
FF20a.2.In the past 180 days (6 months), how many times did you use a bank account for such activities?Withdraw money
FF20b.2.Have you ever used a debit/ATM card for this transaction?.Withdraw money
291
1712
1
Yes
64
2
No
227
Sysmiss
1712
FF19.3.Which of the following have you ever done using a bank account? Buy airti
299
1704
1
Yes
15
2
No
284
Sysmiss
1704
FF19.3.Which of the following have you ever done using a bank account? Buy airtime top-ups
FF20.3.In the past 30 days, how many times did you use a bank account for such a
15
1988
0
5
1
1
2
1
3
3
4
2
5
1
6
1
28
1
999
DK/Refused
0
Sysmiss
1988
FF20.3.In the past 30 days, how many times did you use a bank account for such activities?Buy airtime top-ups
FF20a.3.In the past 180 days (6 months), how many times did you use a bank accou
15
1988
0
3
2
2
3
2
5
1
7
1
8
1
10
1
15
2
23
1
128
1
999
DK/Refused
0
Sysmiss
1988
FF20a.3.In the past 180 days (6 months), how many times did you use a bank account for such activities?Buy airtime top-ups
FF20b.3.Have you ever used a debit/ATM card for this transaction?.Buy airtime to
15
1988
1
Yes
1
2
No
14
Sysmiss
1988
FF20b.3.Have you ever used a debit/ATM card for this transaction?.Buy airtime top-ups
FF19.4.Which of the following have you ever done using a bank account? Pay a sch
299
1704
1
Yes
17
2
No
282
Sysmiss
1704
FF19.4.Which of the following have you ever done using a bank account? Pay a school fee
FF20.4.In the past 30 days, how many times did you use a bank account for such a
17
1986
0
15
1
1
3
1
999
DK/Refused
0
Sysmiss
1986
FF20.4.In the past 30 days, how many times did you use a bank account for such activities?Pay a school fee
FF20a.4.In the past 180 days (6 months), how many times did you use a bank accou
17
1986
0
6
1
3
2
5
3
2
10
1
999
DK/Refused
0
Sysmiss
1986
FF20a.4.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay a school fee
FF20b.4.Have you ever used a debit/ATM card for this transaction?.Pay a school f
17
1986
1
Yes
0
2
No
17
Sysmiss
1986
FF20b.4.Have you ever used a debit/ATM card for this transaction?.Pay a school fee
FF19.5.Which of the following have you ever done using a bank account? Pay a med
299
1704
1
Yes
5
2
No
294
Sysmiss
1704
FF19.5.Which of the following have you ever done using a bank account? Pay a medical bill
FF20.5.In the past 30 days, how many times did you use a bank account for such a
5
1998
0
2
1
2
3
1
999
DK/Refused
0
Sysmiss
1998
FF20.5.In the past 30 days, how many times did you use a bank account for such activities?Pay a medical bill
FF20a.5.In the past 180 days (6 months), how many times did you use a bank accou
5
1998
0
3
2
1
3
1
999
DK/Refused
0
Sysmiss
1998
FF20a.5.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay a medical bill
FF20b.5.Have you ever used a debit/ATM card for this transaction?.Pay a medical
5
1998
1
Yes
0
2
No
5
Sysmiss
1998
FF20b.5.Have you ever used a debit/ATM card for this transaction?.Pay a medical bill
FF19.6.Which of the following have you ever done using a bank account? Pay an el
299
1704
1
Yes
15
2
No
284
Sysmiss
1704
FF19.6.Which of the following have you ever done using a bank account? Pay an electricity bill
FF20.6.In the past 30 days, how many times did you use a bank account for such a
15
1988
0
8
1
3
2
2
3
1
5
1
999
DK/Refused
0
Sysmiss
1988
FF20.6.In the past 30 days, how many times did you use a bank account for such activities?Pay an electricity bill
FF20a.6.In the past 180 days (6 months), how many times did you use a bank accou
15
1988
0
5
1
2
3
2
4
1
5
1
6
2
8
1
10
1
999
DK/Refused
0
Sysmiss
1988
FF20a.6.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay an electricity bill
FF20b.6.Have you ever used a debit/ATM card for this transaction?.Pay an electri
15
1988
1
Yes
1
2
No
14
Sysmiss
1988
FF20b.6.Have you ever used a debit/ATM card for this transaction?.Pay an electricity bill
FF19.7.Which of the following have you ever done using a bank account? Pay for w
Which of the following have you ever done using a bank account?
299
1704
1
Yes
4
2
No
295
Sysmiss
1704
FF19.7.Which of the following have you ever done using a bank account? Pay for water access or delivery
FF20.7.In the past 30 days, how many times did you use a bank account for such a
In the past 30 days, how many times did you use a bank account for such activities?
4
1999
0
1
1
1
2
1
5
1
999
DK/Refused
0
Sysmiss
1999
FF20.7.In the past 30 days, how many times did you use a bank account for such activities?Pay for water access or delivery
FF20a.7.In the past 180 days (6 months), how many times did you use a bank accou
In the past 180 days (6 months), how many times did you use a bank account for such activities?
4
1999
2
1
3
1
6
2
999
DK/Refused
0
Sysmiss
1999
FF20a.7.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay for water access or delivery
FF20b.7.Have you ever used a debit/ATM card for this transaction?.Pay for water
Have you ever used a debit/ATM card for this transaction?
4
1999
1
Yes
0
2
No
4
Sysmiss
1999
FF20b.7.Have you ever used a debit/ATM card for this transaction?.Pay for water access or delivery
FF19.8.Which of the following have you ever done using a bank account? Pay for s
Which of the following have you ever done using a bank account?
299
1704
1
Yes
1
2
No
298
Sysmiss
1704
FF19.8.Which of the following have you ever done using a bank account? Pay for solar lantern or a solar home system
FF20.8.In the past 30 days, how many times did you use a bank account for such a
In the past 30 days, how many times did you use a bank account for such activities?
1
2002
0
1
999
DK/Refused
0
Sysmiss
2002
FF20.8.In the past 30 days, how many times did you use a bank account for such activities?Pay for solar lantern or a solar home system
FF20a.8.In the past 180 days (6 months), how many times did you use a bank accou
In the past 180 days (6 months), how many times did you use a bank account for such activities?
1
2002
2
1
999
DK/Refused
0
Sysmiss
2002
FF20a.8.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay for solar lantern or a solar home system
FF20b.8.Have you ever used a debit/ATM card for this transaction?.Pay for solar
Have you ever used a debit/ATM card for this transaction?
1
2002
1
Yes
0
2
No
1
Sysmiss
2002
FF20b.8.Have you ever used a debit/ATM card for this transaction?.Pay for solar lantern or a solar home system
FF19.9.Which of the following have you ever done using a bank account? Pay TV/ca
Which of the following have you ever done using a bank account?
299
1704
1
Yes
4
2
No
295
Sysmiss
1704
FF19.9.Which of the following have you ever done using a bank account? Pay TV/cable/satellite bill
FF20.9.In the past 30 days, how many times did you use a bank account for such a
In the past 30 days, how many times did you use a bank account for such activities?
4
1999
0
1
1
2
2
1
999
DK/Refused
0
Sysmiss
1999
FF20.9.In the past 30 days, how many times did you use a bank account for such activities?Pay TV/cable/satellite bill
FF20a.9.In the past 180 days (6 months), how many times did you use a bank accou
In the past 180 days (6 months), how many times did you use a bank account for such activities?
4
1999
0
1
6
2
9
1
999
DK/Refused
0
Sysmiss
1999
FF20a.9.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay TV/cable/satellite bill
FF20b.9.Have you ever used a debit/ATM card for this transaction?.Pay TV/cable/s
Have you ever used a debit/ATM card for this transaction?
4
1999
1
Yes
0
2
No
4
Sysmiss
1999
FF20b.9.Have you ever used a debit/ATM card for this transaction?.Pay TV/cable/satellite bill
FF19.10.Which of the following have you ever done using a bank account? Pay a go
Which of the following have you ever done using a bank account?
299
1704
1
Yes
11
2
No
288
Sysmiss
1704
FF19.10.Which of the following have you ever done using a bank account? Pay a government bill, including tax, fine or fee
FF20.10.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
11
1992
0
5
1
3
2
1
3
1
4
1
999
DK/Refused
0
Sysmiss
1992
FF20.10.In the past 30 days, how many times did you use a bank account for such activities?Pay a government bill, including tax, fine or fee
FF20a.10.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
11
1992
0
3
1
1
4
2
5
1
6
1
8
1
10
2
999
DK/Refused
0
Sysmiss
1992
FF20a.10.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay a government bill, including tax, fine or fee
FF20b.10.Have you ever used a debit/ATM card for this transaction?.Pay a governm
Have you ever used a debit/ATM card for this transaction?
11
1992
1
Yes
1
2
No
10
Sysmiss
1992
FF20b.10.Have you ever used a debit/ATM card for this transaction?.Pay a government bill, including tax, fine or fee
FF19.11.Which of the following have you ever done using a bank account? Pay othe
Which of the following have you ever done using a bank account?
299
1704
1
Yes
0
2
No
299
Sysmiss
1704
FF19.11.Which of the following have you ever done using a bank account? Pay other bill (SPECIFY)
FF20.11.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
0
2003
999
DK/Refused
0
Sysmiss
2003
FF20.11.In the past 30 days, how many times did you use a bank account for such activities?Pay other bill (SPECIFY)
FF20a.11.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
0
2003
999
DK/Refused
0
Sysmiss
2003
FF20a.11.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay other bill (SPECIFY)
FF20b.11.Have you ever used a debit/ATM card for this transaction?.Pay other bil
Have you ever used a debit/ATM card for this transaction?
0
2003
1
Yes
0
2
No
0
Sysmiss
2003
FF20b.11.Have you ever used a debit/ATM card for this transaction?.Pay other bill (SPECIFY)
FF19.12.Which of the following have you ever done using a bank account? Send mon
Which of the following have you ever done using a bank account?
299
1704
1
Yes
16
2
No
283
Sysmiss
1704
FF19.12.Which of the following have you ever done using a bank account? Send money to family members, friends, workmates or other acquaintances for regular support/allowances
FF20.12.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
16
1987
0
5
1
8
4
1
5
1
999
DK/Refused
1
Sysmiss
1987
FF20.12.In the past 30 days, how many times did you use a bank account for such activities?Send money to family members, friends, workmates or other acquaintances for regular support/allowances
FF20a.12.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
16
1987
0
2
1
3
2
4
5
1
6
1
10
4
999
DK/Refused
1
Sysmiss
1987
FF20a.12.In the past 180 days (6 months), how many times did you use a bank account for such activities?Send money to family members, friends, workmates or other acquaintances for regular support/allowances
FF20b.12.Have you ever used a debit/ATM card for this transaction?.Send money to
Have you ever used a debit/ATM card for this transaction?
16
1987
1
Yes
0
2
No
16
Sysmiss
1987
FF20b.12.Have you ever used a debit/ATM card for this transaction?.Send money to family members, friends, workmates or other acquaintances for regular support/allowances
FF19.13.Which of the following have you ever done using a bank account? Send mon
Which of the following have you ever done using a bank account?
299
1704
1
Yes
16
2
No
283
Sysmiss
1704
FF19.13.Which of the following have you ever done using a bank account? Send money to family members, friends, workmates or other acquaintances to help with emergencies
FF20.13.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
16
1987
0
5
1
4
2
4
3
1
4
1
5
1
999
DK/Refused
0
Sysmiss
1987
FF20.13.In the past 30 days, how many times did you use a bank account for such activities?Send money to family members, friends, workmates or other acquaintances to help with emergencies
FF20a.13.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
16
1987
0
2
1
4
2
1
3
2
4
1
5
1
6
1
9
1
10
2
12
1
999
DK/Refused
0
Sysmiss
1987
FF20a.13.In the past 180 days (6 months), how many times did you use a bank account for such activities?Send money to family members, friends, workmates or other acquaintances to help with emergencies
FF20b.13.Have you ever used a debit/ATM card for this transaction?.Send money to
Have you ever used a debit/ATM card for this transaction?
16
1987
1
Yes
0
2
No
16
Sysmiss
1987
FF20b.13.Have you ever used a debit/ATM card for this transaction?.Send money to family members, friends, workmates or other acquaintances to help with emergencies
FF19.14.Which of the following have you ever done using a bank account? Receive
Which of the following have you ever done using a bank account?
299
1704
1
Yes
15
2
No
284
Sysmiss
1704
FF19.14.Which of the following have you ever done using a bank account? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances
FF20.14.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
15
1988
0
9
1
2
2
4
999
DK/Refused
0
Sysmiss
1988
FF20.14.In the past 30 days, how many times did you use a bank account for such activities?Receive money from family members, friends, workmates or other acquaintances for regular support/allowances
FF20a.14.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
15
1988
0
3
1
2
2
5
3
3
4
1
6
1
999
DK/Refused
0
Sysmiss
1988
FF20a.14.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive money from family members, friends, workmates or other acquaintances for regular support/allowances
FF20b.14.Have you ever used a debit/ATM card for this transaction?.Receive money
Have you ever used a debit/ATM card for this transaction?
15
1988
1
Yes
1
2
No
14
Sysmiss
1988
FF20b.14.Have you ever used a debit/ATM card for this transaction?.Receive money from family members, friends, workmates or other acquaintances for regular support/allowances
FF19.15.Which of the following have you ever done using a bank account? Receive
Which of the following have you ever done using a bank account?
299
1704
1
Yes
24
2
No
275
Sysmiss
1704
FF19.15.Which of the following have you ever done using a bank account? Receive money from family members, friends, workmates or other acquaintances to help with emergencies
FF20.15.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
24
1979
0
9
1
6
2
2
3
4
10
1
999
DK/Refused
2
Sysmiss
1979
FF20.15.In the past 30 days, how many times did you use a bank account for such activities?Receive money from family members, friends, workmates or other acquaintances to help with emergencies
FF20a.15.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
24
1979
0
5
1
5
2
3
3
2
4
2
8
3
10
1
20
1
999
DK/Refused
2
Sysmiss
1979
FF20a.15.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive money from family members, friends, workmates or other acquaintances to help with emergencies
FF20b.15.Have you ever used a debit/ATM card for this transaction?.Receive money
Have you ever used a debit/ATM card for this transaction?
24
1979
1
Yes
1
2
No
23
Sysmiss
1979
FF20b.15.Have you ever used a debit/ATM card for this transaction?.Receive money from family members, friends, workmates or other acquaintances to help with emergencies
FF19.16.Which of the following have you ever done using a bank account? Receive
Which of the following have you ever done using a bank account?
299
1704
1
Yes
7
2
No
292
Sysmiss
1704
FF19.16.Which of the following have you ever done using a bank account? Receive welfare or pension from the government
FF20.16.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
7
1996
0
4
1
3
999
DK/Refused
0
Sysmiss
1996
FF20.16.In the past 30 days, how many times did you use a bank account for such activities?Receive welfare or pension from the government
FF20a.16.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
7
1996
1
3
2
2
6
2
999
DK/Refused
0
Sysmiss
1996
FF20a.16.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive welfare or pension from the government
FF20b.16.Have you ever used a debit/ATM card for this transaction?.Receive welfa
Have you ever used a debit/ATM card for this transaction?
7
1996
1
Yes
0
2
No
7
Sysmiss
1996
FF20b.16.Have you ever used a debit/ATM card for this transaction?.Receive welfare or pension from the government
FF19.17.Which of the following have you ever done using a bank account? Receive
Which of the following have you ever done using a bank account?
299
1704
1
Yes
5
2
No
294
Sysmiss
1704
FF19.17.Which of the following have you ever done using a bank account? Receive other benefit payments from the government or government agency (Specify)
FF20.17.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
5
1998
0
4
1
1
999
DK/Refused
0
Sysmiss
1998
FF20.17.In the past 30 days, how many times did you use a bank account for such activities?Receive other benefit payments from the government or government agency (Specify)
FF20a.17.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
5
1998
0
1
1
3
2
1
999
DK/Refused
0
Sysmiss
1998
FF20a.17.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive other benefit payments from the government or government agency (Specify)
FF20b.17.Have you ever used a debit/ATM card for this transaction?.Receive other
Have you ever used a debit/ATM card for this transaction?
5
1998
1
Yes
0
2
No
5
Sysmiss
1998
FF20b.17.Have you ever used a debit/ATM card for this transaction?.Receive other benefit payments from the government or government agency (Specify)
FF19.18.Which of the following have you ever done using a bank account? Receive
Which of the following have you ever done using a bank account?
299
1704
1
Yes
44
2
No
255
Sysmiss
1704
FF19.18.Which of the following have you ever done using a bank account? Receive wages for primary job
FF20.18.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
44
1959
0
17
1
25
2
1
999
DK/Refused
1
Sysmiss
1959
FF20.18.In the past 30 days, how many times did you use a bank account for such activities?Receive wages for primary job
FF20a.18.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
44
1959
0
8
1
7
2
2
3
4
5
2
6
19
7
1
999
DK/Refused
1
Sysmiss
1959
FF20a.18.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive wages for primary job
FF20b.18.Have you ever used a debit/ATM card for this transaction?.Receive wages
Have you ever used a debit/ATM card for this transaction?
44
1959
1
Yes
2
2
No
42
Sysmiss
1959
FF20b.18.Have you ever used a debit/ATM card for this transaction?.Receive wages for primary job
FF19.19.Which of the following have you ever done using a bank account? Receive
Which of the following have you ever done using a bank account?
299
1704
1
Yes
4
2
No
295
Sysmiss
1704
FF19.19.Which of the following have you ever done using a bank account? Receive wages for secondary job(s)
FF20.19.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
4
1999
0
2
1
2
999
DK/Refused
0
Sysmiss
1999
FF20.19.In the past 30 days, how many times did you use a bank account for such activities?Receive wages for secondary job(s)
FF20a.19.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
4
1999
0
2
4
1
6
1
999
DK/Refused
0
Sysmiss
1999
FF20a.19.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive wages for secondary job(s)
FF20b.19.Have you ever used a debit/ATM card for this transaction?.Receive wages
Have you ever used a debit/ATM card for this transaction?
4
1999
1
Yes
0
2
No
4
Sysmiss
1999
FF20b.19.Have you ever used a debit/ATM card for this transaction?.Receive wages for secondary job(s)
FF19.20.Which of the following have you ever done using a bank account? Pay for
Which of the following have you ever done using a bank account?
299
1704
1
Yes
1
2
No
298
Sysmiss
1704
FF19.20.Which of the following have you ever done using a bank account? Pay for large acquisitions, including land, cattle, house
FF20.20.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
1
2002
1
1
999
DK/Refused
0
Sysmiss
2002
FF20.20.In the past 30 days, how many times did you use a bank account for such activities?Pay for large acquisitions, including land, cattle, house
FF20a.20.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
1
2002
1
1
999
DK/Refused
0
Sysmiss
2002
FF20a.20.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay for large acquisitions, including land, cattle, house
FF20b.20.Have you ever used a debit/ATM card for this transaction?.Pay for large
Have you ever used a debit/ATM card for this transaction?
1
2002
1
Yes
0
2
No
1
Sysmiss
2002
FF20b.20.Have you ever used a debit/ATM card for this transaction?.Pay for large acquisitions, including land, cattle, house
FF19.21.Which of the following have you ever done using a bank account? Make ins
Which of the following have you ever done using a bank account?
299
1704
1
Yes
7
2
No
292
Sysmiss
1704
FF19.21.Which of the following have you ever done using a bank account? Make insurance-related payments
FF20.21.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
7
1996
0
1
1
6
999
DK/Refused
0
Sysmiss
1996
FF20.21.In the past 30 days, how many times did you use a bank account for such activities?Make insurance-related payments
FF20a.21.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
7
1996
1
4
6
3
999
DK/Refused
0
Sysmiss
1996
FF20a.21.In the past 180 days (6 months), how many times did you use a bank account for such activities?Make insurance-related payments
FF20b.21.Have you ever used a debit/ATM card for this transaction?.Make insuranc
Have you ever used a debit/ATM card for this transaction?
7
1996
1
Yes
0
2
No
7
Sysmiss
1996
FF20b.21.Have you ever used a debit/ATM card for this transaction?.Make insurance-related payments
FF19.22.Which of the following have you ever done using a bank account? Receive
Which of the following have you ever done using a bank account?
299
1704
1
Yes
3
2
No
296
Sysmiss
1704
FF19.22.Which of the following have you ever done using a bank account? Receive claims on insurance
FF20.22.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
3
2000
0
1
1
2
999
DK/Refused
0
Sysmiss
2000
FF20.22.In the past 30 days, how many times did you use a bank account for such activities?Receive claims on insurance
FF20a.22.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
3
2000
1
1
4
1
6
1
999
DK/Refused
0
Sysmiss
2000
FF20a.22.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive claims on insurance
FF20b.22.Have you ever used a debit/ATM card for this transaction?.Receive claim
Have you ever used a debit/ATM card for this transaction?
3
2000
1
Yes
0
2
No
3
Sysmiss
2000
FF20b.22.Have you ever used a debit/ATM card for this transaction?.Receive claims on insurance
FF19.23.Which of the following have you ever done using a bank account? Take a l
Which of the following have you ever done using a bank account?
299
1704
1
Yes
19
2
No
280
Sysmiss
1704
FF19.23.Which of the following have you ever done using a bank account? Take a loan or make payments on a loan
FF20.23.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
19
1984
0
10
1
7
2
2
999
DK/Refused
0
Sysmiss
1984
FF20.23.In the past 30 days, how many times did you use a bank account for such activities?Take a loan or make payments on a loan
FF20a.23.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
19
1984
0
6
1
3
3
1
4
1
6
8
999
DK/Refused
0
Sysmiss
1984
FF20a.23.In the past 180 days (6 months), how many times did you use a bank account for such activities?Take a loan or make payments on a loan
FF20b.23.Have you ever used a debit/ATM card for this transaction?.Take a loan o
Have you ever used a debit/ATM card for this transaction?
19
1984
1
Yes
0
2
No
19
Sysmiss
1984
FF20b.23.Have you ever used a debit/ATM card for this transaction?.Take a loan or make payments on a loan
FF19.24.Which of the following have you ever done using a bank account? Give a l
Which of the following have you ever done using a bank account?
299
1704
1
Yes
2
2
No
297
Sysmiss
1704
FF19.24.Which of the following have you ever done using a bank account? Give a loan or receive payments on a loan
FF20.24.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
2
2001
0
1
1
1
999
DK/Refused
0
Sysmiss
2001
FF20.24.In the past 30 days, how many times did you use a bank account for such activities?Give a loan or receive payments on a loan
FF20a.24.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
2
2001
1
2
999
DK/Refused
0
Sysmiss
2001
FF20a.24.In the past 180 days (6 months), how many times did you use a bank account for such activities?Give a loan or receive payments on a loan
FF20b.24.Have you ever used a debit/ATM card for this transaction?.Give a loan o
Have you ever used a debit/ATM card for this transaction?
2
2001
1
Yes
0
2
No
2
Sysmiss
2001
FF20b.24.Have you ever used a debit/ATM card for this transaction?.Give a loan or receive payments on a loan
FF19.25.Which of the following have you ever done using a bank account? Save mon
Which of the following have you ever done using a bank account?
299
1704
1
Yes
16
2
No
283
Sysmiss
1704
FF19.25.Which of the following have you ever done using a bank account? Save money for a specific future purchase or payment
FF20.25.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
16
1987
0
8
1
6
2
1
4
1
999
DK/Refused
0
Sysmiss
1987
FF20.25.In the past 30 days, how many times did you use a bank account for such activities?Save money for a specific future purchase or payment
FF20a.25.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
16
1987
0
1
1
5
2
5
4
2
6
2
12
1
999
DK/Refused
0
Sysmiss
1987
FF20a.25.In the past 180 days (6 months), how many times did you use a bank account for such activities?Save money for a specific future purchase or payment
FF20b.25.Have you ever used a debit/ATM card for this transaction?.Save money fo
Have you ever used a debit/ATM card for this transaction?
16
1987
1
Yes
0
2
No
16
Sysmiss
1987
FF20b.25.Have you ever used a debit/ATM card for this transaction?.Save money for a specific future purchase or payment
FF19.26.Which of the following have you ever done using a bank account? Set asid
Which of the following have you ever done using a bank account?
299
1704
1
Yes
5
2
No
294
Sysmiss
1704
FF19.26.Which of the following have you ever done using a bank account? Set aside money for pension, paid pension contributions
FF20.26.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
5
1998
0
2
1
3
999
DK/Refused
0
Sysmiss
1998
FF20.26.In the past 30 days, how many times did you use a bank account for such activities?Set aside money for pension, paid pension contributions
FF20a.26.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
5
1998
1
3
2
1
6
1
999
DK/Refused
0
Sysmiss
1998
FF20a.26.In the past 180 days (6 months), how many times did you use a bank account for such activities?Set aside money for pension, paid pension contributions
FF20b.26.Have you ever used a debit/ATM card for this transaction?.Set aside mon
Have you ever used a debit/ATM card for this transaction?
5
1998
1
Yes
0
2
No
5
Sysmiss
1998
FF20b.26.Have you ever used a debit/ATM card for this transaction?.Set aside money for pension, paid pension contributions
FF19.27.Which of the following have you ever done using a bank account? Set mone
Which of the following have you ever done using a bank account?
299
1704
1
Yes
15
2
No
284
Sysmiss
1704
FF19.27.Which of the following have you ever done using a bank account? Set money aside just in case/for an emergency
FF20.27.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
15
1988
0
6
1
6
2
3
999
DK/Refused
0
Sysmiss
1988
FF20.27.In the past 30 days, how many times did you use a bank account for such activities?Set money aside just in case/for an emergency
FF20a.27.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
15
1988
0
3
1
6
3
2
4
2
6
2
999
DK/Refused
0
Sysmiss
1988
FF20a.27.In the past 180 days (6 months), how many times did you use a bank account for such activities?Set money aside just in case/for an emergency
FF20b.27.Have you ever used a debit/ATM card for this transaction?.Set money asi
Have you ever used a debit/ATM card for this transaction?
15
1988
1
Yes
0
2
No
15
Sysmiss
1988
FF20b.27.Have you ever used a debit/ATM card for this transaction?.Set money aside just in case/for an emergency
FF19.28.Which of the following have you ever done using a bank account? Make an
Which of the following have you ever done using a bank account?
299
1704
1
Yes
1
2
No
298
Sysmiss
1704
FF19.28.Which of the following have you ever done using a bank account? Make an investment, including buy stock or shares
FF20.28.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
1
2002
1
1
999
DK/Refused
0
Sysmiss
2002
FF20.28.In the past 30 days, how many times did you use a bank account for such activities?Make an investment, including buy stock or shares
FF20a.28.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
1
2002
1
1
999
DK/Refused
0
Sysmiss
2002
FF20a.28.In the past 180 days (6 months), how many times did you use a bank account for such activities?Make an investment, including buy stock or shares
FF20b.28.Have you ever used a debit/ATM card for this transaction?.Make an inves
Have you ever used a debit/ATM card for this transaction?
1
2002
1
Yes
0
2
No
1
Sysmiss
2002
FF20b.28.Have you ever used a debit/ATM card for this transaction?.Make an investment, including buy stock or shares
FF19.29.Which of the following have you ever done using a bank account? Pay in p
Which of the following have you ever done using a bank account?
299
1704
1
Yes
4
2
No
295
Sysmiss
1704
FF19.29.Which of the following have you ever done using a bank account? Pay in person (using a debit r credit card or check) for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport
FF20.29.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
4
1999
0
2
2
1
4
1
999
DK/Refused
0
Sysmiss
1999
FF20.29.In the past 30 days, how many times did you use a bank account for such activities?Pay in person (using a debit r credit card or check) for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay
FF20a.29.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
4
1999
0
1
2
1
5
1
10
1
999
DK/Refused
0
Sysmiss
1999
FF20a.29.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay in person (using a debit r credit card or check) for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a resta
FF20b.29.Have you ever used a debit/ATM card for this transaction?.Pay in person
Have you ever used a debit/ATM card for this transaction?
4
1999
1
Yes
0
2
No
4
Sysmiss
1999
FF20b.29.Have you ever used a debit/ATM card for this transaction?.Pay in person (using a debit r credit card or check) for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport
FF19.30.Which of the following have you ever done using a bank account? Pay remo
Which of the following have you ever done using a bank account?
299
1704
1
Yes
3
2
No
296
Sysmiss
1704
FF19.30.Which of the following have you ever done using a bank account? Pay remotely for goods and services
FF20.30.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
3
2000
0
2
2
1
999
DK/Refused
0
Sysmiss
2000
FF20.30.In the past 30 days, how many times did you use a bank account for such activities?Pay remotely for goods and services
FF20a.30.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
3
2000
0
1
2
1
3
1
999
DK/Refused
0
Sysmiss
2000
FF20a.30.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay remotely for goods and services
FF20b.30.Have you ever used a debit/ATM card for this transaction?.Pay remotely
Have you ever used a debit/ATM card for this transaction?
3
2000
1
Yes
0
2
No
3
Sysmiss
2000
FF20b.30.Have you ever used a debit/ATM card for this transaction?.Pay remotely for goods and services
FF19.31.Which of the following have you ever done using a bank account? Transfer
Which of the following have you ever done using a bank account?
299
1704
1
Yes
8
2
No
291
Sysmiss
1704
FF19.31.Which of the following have you ever done using a bank account? Transfer money from one bank account to another bank account
FF20.31.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
8
1995
0
2
1
4
2
2
999
DK/Refused
0
Sysmiss
1995
FF20.31.In the past 30 days, how many times did you use a bank account for such activities?Transfer money from one bank account to another bank account
FF20a.31.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
8
1995
0
1
1
2
2
3
4
1
20
1
999
DK/Refused
0
Sysmiss
1995
FF20a.31.In the past 180 days (6 months), how many times did you use a bank account for such activities?Transfer money from one bank account to another bank account
FF20b.31.Have you ever used a debit/ATM card for this transaction?.Transfer mone
Have you ever used a debit/ATM card for this transaction?
8
1995
1
Yes
0
2
No
8
Sysmiss
1995
FF20b.31.Have you ever used a debit/ATM card for this transaction?.Transfer money from one bank account to another bank account
FF19.32.Which of the following have you ever done using a bank account? Transfer
Which of the following have you ever done using a bank account?
299
1704
1
Yes
1
2
No
298
Sysmiss
1704
FF19.32.Which of the following have you ever done using a bank account? Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account
FF20.32.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
1
2002
3
1
999
DK/Refused
0
Sysmiss
2002
FF20.32.In the past 30 days, how many times did you use a bank account for such activities?Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account
FF20a.32.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
1
2002
4
1
999
DK/Refused
0
Sysmiss
2002
FF20a.32.In the past 180 days (6 months), how many times did you use a bank account for such activities?Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account
FF20b.32.Have you ever used a debit/ATM card for this transaction?.Transfer mone
Have you ever used a debit/ATM card for this transaction?
1
2002
1
Yes
0
2
No
1
Sysmiss
2002
FF20b.32.Have you ever used a debit/ATM card for this transaction?.Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account
FF19.33.Which of the following have you ever done using a bank account? Transfer
Which of the following have you ever done using a bank account?
299
1704
1
Yes
2
2
No
297
Sysmiss
1704
FF19.33.Which of the following have you ever done using a bank account? Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.)
FF20.33.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
2
2001
1
1
2
1
999
DK/Refused
0
Sysmiss
2001
FF20.33.In the past 30 days, how many times did you use a bank account for such activities?Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.)
FF20a.33.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
2
2001
1
1
6
1
999
DK/Refused
0
Sysmiss
2001
FF20a.33.In the past 180 days (6 months), how many times did you use a bank account for such activities?Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.)
FF20b.33.Have you ever used a debit/ATM card for this transaction?.Transfer mone
Have you ever used a debit/ATM card for this transaction?
2
2001
1
Yes
0
2
No
2
Sysmiss
2001
FF20b.33.Have you ever used a debit/ATM card for this transaction?.Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.)
FF19.34.Which of the following have you ever done using a bank account? Pay rent
Which of the following have you ever done using a bank account?
299
1704
1
Yes
3
2
No
296
Sysmiss
1704
FF20.34.In the past 30 days, how many times did you use a bank account for such
In the past 30 days, how many times did you use a bank account for such activities?
3
2000
0
2
1
1
999
DK/Refused
0
Sysmiss
2000
FF20.34.In the past 30 days, how many times did you use a bank account for such activities?Pay rent
FF20a.34.In the past 180 days (6 months), how many times did you use a bank acco
In the past 180 days (6 months), how many times did you use a bank account for such activities?
3
2000
2
1
3
1
6
1
999
DK/Refused
0
Sysmiss
2000
FF20a.34.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay rent
FF20b.34.Have you ever used a debit/ATM card for this transaction?.Pay rent
Have you ever used a debit/ATM card for this transaction?
3
2000
1
Yes
0
2
No
3
Sysmiss
2000
FF21.1.Do you use a bank account for the following business payments/purchases?
Do you use a bankaccount for the following business payments/purchases? Pay employees
299
1704
1
Yes
0
2
No
299
Sysmiss
1704
FF21.1.Do you use a bank account for the following business payments/purchases? Pay employees
FF21.2.Do you use a bank account for the following business payments/purchases?P
Do you use a bankaccount for the following business payments/purchases? Pay suppliers
299
1704
1
Yes
0
2
No
299
Sysmiss
1704
FF21.2.Do you use a bank account for the following business payments/purchases?Pay suppliers
FF21.3.Do you use a bank account for the following business payments/purchases?
Do you use a bankaccount for the following business payments/purchases? Receive payments from customers
299
1704
1
Yes
2
2
No
297
Sysmiss
1704
FF21.3.Do you use a bank account for the following business payments/purchases? Receive payments from customers
FF21.4.Do you use a bank account for the following business payments/purchases?R
Do you use a bankaccount for the following business payments/purchases? Receive payments from distributors
299
1704
1
Yes
0
2
No
299
Sysmiss
1704
FF21.4.Do you use a bank account for the following business payments/purchases?Receive payments from distributors
FF21.5.Do you use a bank account for the following business payments/purchases?
299
1704
1
Yes
0
2
No
299
Sysmiss
1704
FF21.5.Do you use a bank account for the following business payments/purchases? Make investment, for example buy new equipment or expand the office/business building
FF21.6.Do you use a bank account for the following business payments/purchases?P
299
1704
1
Yes
3
2
No
296
Sysmiss
1704
FF21.6.Do you use a bank account for the following business payments/purchases?Pay business-associated expenses, including rent, taxes, utility and transportation bills
FF21.7.Do you use a bank account for the following business payments/purchases?P
299
1704
1
Yes
0
2
No
299
Sysmiss
1704
FF21.7.Do you use a bank account for the following business payments/purchases?Pay for agricultural inputs (seeds, pesticides, fertilizers, etc.)
FF21.8.Do you use a bank account for the following business payments/purchases?O
299
1704
1
Yes
2
2
No
297
Sysmiss
1704
FF21.8.Do you use a bank account for the following business payments/purchases?Other(Specify)
FF21.9.Do you use a bank account for the following business payments/purchases?
299
1704
1
Yes
292
2
No
7
Sysmiss
1704
FF21.9.Do you use a bank account for the following business payments/purchases? I do not use my bank/MFI account to make business transactions
FF22.1 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
189
2
No
103
Sysmiss
1711
FF22.1 You said you do not use this bank account for any business payments/purchases. Please tell me why?I do not have a business
FF22.2 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
8
2
No
284
Sysmiss
1711
FF22.2 You said you do not use this bank account for any business payments/purchases. Please tell me why?I will have to pay extra taxes
FF22.3 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
0
2
No
292
Sysmiss
1711
FF22.3 You said you do not use this bank account for any business payments/purchases. Please tell me why?I will have to pay bribes to government officials to avoid taxation/licensing/paper work
FF22.4 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
2
2
No
290
Sysmiss
1711
FF22.4 You said you do not use this bank account for any business payments/purchases. Please tell me why?My business is not registered, it is not formal
FF22.5 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
1
2
No
291
Sysmiss
1711
FF22.5 You said you do not use this bank account for any business payments/purchases. Please tell me why?To pay account fees I will have to raise prices and people won’t buy from me
FF22.6 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
9
2
No
283
Sysmiss
1711
FF22.6 You said you do not use this bank account for any business payments/purchases. Please tell me why?My business is too small to need a bank account
FF22.7 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
12
2
No
280
Sysmiss
1711
FF22.7 You said you do not use this bank account for any business payments/purchases. Please tell me why?I use other methods of payment
FF22.8 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
2
2
No
290
Sysmiss
1711
FF22.8 You said you do not use this bank account for any business payments/purchases. Please tell me why?Other
FF22.9 You said you do not use this bank account for any business payments/purch
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
292
1711
1
Yes
87
2
No
205
Sysmiss
1711
FF22.9 You said you do not use this bank account for any business payments/purchases. Please tell me why?DK/Refused
FF23. Please, tell me about your last over-the-counter transaction in the past 6
299
1704
-1
N/A
44
12015
8
62014
14
72014
14
82014
11
92014
11
102014
25
112014
43
122014
92
999999
DK/Refused
37
Sysmiss
1704
FF23. Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.What was the date of the activity?(mm/yyyy)
FF23a. Please, tell me about your last over-the-counter transaction in the past
299
0
DEPOSIT
22
HISTORY
1
N/A
44
NO RESPONSE
34
REPAYING BANK LOAN
1
TO PAY A LOAN
2
TO SAVE
23
TO TRANSFER
1
TO WITHDRAW
171
FF23a. Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.What type of transactions was it(i.e.,sending money,depositing,withdrawing,airtime top ups,etc.)?
FF24.Please, tell me about your last over-the-counter transaction in the past 6
299
1704
-1
N/A
44
2
1
3
5
4
2
5
16
7
1
8
1
10
21
12
2
13
1
15
27
20
20
25
4
30
41
40
10
45
4
50
1
60
26
70
1
90
14
99
1
100
1
120
11
125
1
130
2
150
1
180
3
195
1
210
1
999
DK/Refused
35
Sysmiss
1704
FF24.Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.How long did it take you to get to the bank? (Minutes) (999=DK/Refused)
FF25. Please, tell me about your last over-the-counter transaction in the past 6
299
1704
-9999
DK/Refused
33
-1
N/A
44
0
87
30
1
100
5
200
27
250
2
300
24
400
3
500
14
600
6
700
2
800
2
1000
14
1400
2
1500
9
2000
13
2500
2
2600
1
3000
5
4000
1
5000
1
6000
1
Sysmiss
1704
FF25. Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.How much, if anything, did you have to pay in transportation costs?(RWF) (-9999=DK/Refused)
FF26. Please, tell me about your last over-the-counter transaction in the past 6
299
1704
-9999
DK/Refused
36
-1
N/A
44
0
6
100
2
300
1
600
1
800
1
1000
2
1500
2
2000
5
3000
2
4000
3
5000
6
5600
1
6000
2
7000
4
8000
2
9000
2
10000
19
11000
1
12000
4
13000
2
14000
1
15000
12
16500
1
17000
1
17800
1
18000
1
20000
22
21000
1
22000
1
24500
1
25000
5
26000
1
27000
1
28000
2
29000
1
30000
18
34000
1
36000
1
37000
1
40000
10
41000
3
45000
1
50000
11
53000
1
58000
1
60000
4
61000
1
62000
1
70000
7
80000
3
85000
1
88000
1
90000
1
91000
1
96000
1
100000
6
120000
2
125000
1
146000
1
150000
3
160000
1
167000
1
175000
1
180000
1
200000
6
240000
1
300000
3
380000
1
1000000
2
Sysmiss
1704
FF26. Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.What was the amount you were transacting?(RWF)(-9999=DK/Refused)
FF27. Please, tell me about your last over-the-counter transaction in the past 6
299
1704
-1
N/A
44
1
5
2
8
3
11
4
2
5
36
6
1
7
2
8
4
9
1
10
34
15
17
18
1
20
18
22
1
25
6
26
1
27
1
30
26
35
2
36
1
40
4
45
4
50
1
55
1
60
15
83
1
90
2
120
3
130
1
150
1
180
3
240
1
999
DK/Refused
40
Sysmiss
1704
FF27. Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.How long did the activity take, including standing in the queue?(Minutes)(999=DK/Refused)
FF28. Please, tell me about your last over-the-counter transaction in the past 6
299
1704
-9999
DK/Refused
39
-1
N/A
44
0
162
50
1
100
4
170
2
200
11
250
5
300
5
400
1
470
1
475
1
500
5
1000
7
1500
1
1700
1
2000
2
3000
2
5000
3
6000
1
7000
1
Sysmiss
1704
FF28. Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.How much did you have to pay for the financial activity?(RWF)(-9999=DK/Refused)
FF29. Please, tell me about your last over-the-counter transaction in the past 6
299
1704
-1
N/A
44
1
Yes
5
2
No
219
3
DK/Refused
31
Sysmiss
1704
FF29. Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.Did the agent/teller charged you extra fees beyond official fees for the transaction?
FF30. Please, tell me about your last over-the-counter transaction in the past 6
299
1704
-1
N/A
44
1
Yes
221
2
No
34
Sysmiss
1704
FF30. Please, tell me about your last over-the-counter transaction in the past 6 months at a branch of a bank.Were you able to complete the activity?
FF31.Do you use a banking agent/banking correspondent?
Do you use a banking agent/banking correspondent?
299
1704
1
Yes
25
2
No
274
Sysmiss
1704
FF32.What is the main reason you use a banking agent?
What is the main reason you use a banking agent?
25
1978
1
It's fast, faster than doing it at a bank
11
2
It's close: closer to the place where I live than a bank
11
3
It’s easy; I like to have another person make transactions on my behalf
1
4
I like dealing with a person, not a machine (ATM)
0
5
It's safe: I have a person who can fix a problem if something happens
0
6
Out of habit
0
7
Other (Specify)
0
8
DK/Refused
2
Sysmiss
1978
ow far is the closest banking agent (of any provider) from the place where you live? Is he/she___________ away?
25
1978
1
0.5 km or less
15
2
More than 0.5 km to 1km
6
3
More than 1km to 5km
2
4
More than 5km to 10km
1
5
More than 10km to 15km
1
6
More than 15km
0
Sysmiss
1978
FF34.How do you usually get to a banking agent? Do you
How do you usually get to a banking agent? Do you…
25
1978
1
Walk
19
2
Use a motorcycle taxi or a mini-bus taxi
6
3
Use a regular bus
0
4
The agent comes to me
0
5
Ride a bicycle
0
6
Ride in my own car or motorbike
0
7
Get a car/motobike ride for free with a friend,relative or neighbor
0
8
Other(specif6y)
0
Sysmiss
1978
FF35. How long does it usually take you to get to a banking agent?
How long does it usually take you to get to a banking agent?
25
1978
1
15 minutes or less
19
2
More than 15 to 30 minutes
4
3
More than 30 minutes to an hour
1
4
More than an hour to 2 hours
1
5
More than 2 hours to 4 hours
0
6
More than 4 hours
0
Sysmiss
1978
FF36.1.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
9
2
3-6 times
3
3
7-12 times
1
4
More than 12 times
1
5
Never
11
Sysmiss
1978
FF36.1.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent was absent
FF36.2.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
4
2
3-6 times
6
3
7-12 times
1
4
More than 12 times
0
5
Never
14
Sysmiss
1978
FF36.2.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent was rude
FF36.3.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
6
2
3-6 times
6
3
7-12 times
0
4
More than 12 times
0
5
Never
13
Sysmiss
1978
FF36.3.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent did not have enough cash and could not perform the transaction
FF36.4.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
6
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
16
Sysmiss
1978
FF36.4.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent refused to perform transaction for no reason
FF36.5.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
3
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
19
Sysmiss
1978
FF36.5.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent did not know how to perform the transaction
FF36.6.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
2
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
20
Sysmiss
1978
FF36.6.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent overcharged for the transaction or asked to pay a deposit
FF36.7.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
3
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
19
Sysmiss
1978
FF36.7.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent did not give all the cash that was owed
FF36.8.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
1
2
3-6 times
4
3
7-12 times
0
4
More than 12 times
1
5
Never
19
Sysmiss
1978
FF36.8.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent system was down
FF36.9.How many times in the past 180 days/6 months have you experienced this is
25
1978
1
less than 3 times
2
2
3-6 times
5
3
7-12 times
0
4
More than 12 times
0
5
Never
18
Sysmiss
1978
FF36.9.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? It was very time consuming
FF36.10.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
2
2
3-6 times
3
3
7-12 times
1
4
More than 12 times
0
5
Never
19
Sysmiss
1978
FF36.10.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? I did not get a receipt
FF36.11.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
3
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
19
Sysmiss
1978
FF36.11.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent charged me for depositing money
FF36.12.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
2
2
3-6 times
4
3
7-12 times
0
4
More than 12 times
0
5
Never
19
Sysmiss
1978
FF36.12.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent charged me for services that should be free or charged me on top of the charge from the provider
FF36.13.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
4
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
18
Sysmiss
1978
FF36.13.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent asked for my PIN number
FF36.14.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
3
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
19
Sysmiss
1978
FF36.14.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent was dismissive of women
FF36.15.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
3
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
19
Sysmiss
1978
FF36.15.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent’s place was not secure/there were suspicious people at agent’s place
FF36.16.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
2
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
20
Sysmiss
1978
FF36.16.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent shared my personal/account information with other people without my knowledge/permission
FF36.17.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
2
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
20
Sysmiss
1978
FF36.17.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Agent defrauded me of money or assisted other people in scamming me
FF36.18.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
2
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
20
Sysmiss
1978
FF36.18.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? I had money stolen from me on the way to/from the agent
FF36.19.How many times in the past 180 days/6 months have you experienced this i
25
1978
1
less than 3 times
2
2
3-6 times
3
3
7-12 times
0
4
More than 12 times
0
5
Never
20
Sysmiss
1978
FF36.19.How many times in the past 180 days/6 months have you experienced this issue with a banking agent? Other (Specify)
MM1.Have you ever heard of something called Mobile Money?
Have you ever heard of something called Mobile Money?
2003
0
1
Yes
1522
2
No
481
MM2.1 Tell me the name of mobile money service that you are aware of? Spontaneou
Please tell me the names of any mobile money services that you are aware of?
SPONTANEOUS RECALL
2003
0
1
Yes
992
2
No
1011
MM2.1 Tell me the name of mobile money service that you are aware of? Spontaneous recall MTN Mobile Money
MM2.2 Tell me the name of mobile money service that you are aware of? Spontaneou
Please tell me the names of any mobile money services that you are aware of?
SPONTANEOUS RECALL
2003
0
1
Yes
378
2
No
1625
MM2.2 Tell me the name of mobile money service that you are aware of? Spontaneous recall Airtel Money
MM2.3 Tell me the name of mobile money service that you are aware of? Spontaneou
Please tell me the names of any mobile money services that you are aware of?
SPONTANEOUS RECALL
2003
0
1
Yes
700
2
No
1303
MM2.3 Tell me the name of mobile money service that you are aware of? Spontaneous recall Tigo cash
MM2.4 Tell me the name of mobile money service that you are aware of? Spontaneou
Please tell me the names of any mobile money services that you are aware of?
SPONTANEOUS RECALL
2003
0
1
Yes
14
2
No
1989
MM2.4 Tell me the name of mobile money service that you are aware of? Spontaneous recall Other (Specify)
MM3.1 Have you ever heard about the following mobile money service? Prompted rec
Have you ever heard about the following mobile money services?
1011
992
1
Yes
491
2
No
520
Sysmiss
992
MM3.1 Have you ever heard about the following mobile money service? Prompted recall MTN Mobile Money
MM3.2 Have you ever heard about the following mobile money service? Prompted rec
Have you ever heard about the following mobile money services?
1625
378
1
Yes
619
2
No
1006
Sysmiss
378
MM3.2 Have you ever heard about the following mobile money service? Prompted recall Airtel Money
MM3.3 Have you ever heard about the following mobile money service? Prompted rec
Have you ever heard about the following mobile money services?
1303
700
1
Yes
699
2
No
604
Sysmiss
700
MM3.3 Have you ever heard about the following mobile money service? Prompted recall Tigo cash
MM3.4 Have you ever heard about the following mobile money service? Prompted rec
Have you ever heard about the following mobile money services?
1989
14
1
Yes
30
2
No
1959
Sysmiss
14
MM3.4 Have you ever heard about the following mobile money service? Prompted recall Other (Specify)
MM4.1.From which source of information did you first learn about this mobile mon
From which source of information did you first heard about this mobile money service?
1483
520
1
Radio
1024
2
tv
24
3
Billboards/posters
20
4
Newspapers or magazines
2
5
Family members in this household
47
6
Family members in another household
18
7
Other relatives, friends, neighbors
174
8
Workmates or business partners
5
9
Customers of your business
0
10
Elected/administrative officials
6
11
Employees of a bank or MFI
2
12
Members of an informal financial group, including a village savings association, cooperative, merry-go-round, etc.
1
13
Transactional mobile money agents
32
14
Field agents/promoters of mobile money
47
15
SMS alerts from providers
22
16
Street events, bus/track announcers
47
17
other (specify)
12
Sysmiss
520
MM4.2.From which source of information did you first learn about this mobile mon
From which source of information did you first heard about this mobile money service?
997
1006
1
Radio
707
2
tv
28
3
Billboards/posters
31
4
Newspapers or magazines
2
5
Family members in this household
19
6
Family members in another household
4
7
Other relatives, friends, neighbors
105
8
Workmates or business partners
2
9
Customers of your business
0
10
Elected/administrative officials
3
11
Employees of a bank or MFI
0
12
Members of an informal financial group, including a village savings association, cooperative, merry-go-round, etc.
2
13
Transactional mobile money agents
22
14
Field agents/promoters of mobile money
27
15
SMS alerts from providers
8
16
Street events, bus/track announcers
27
17
other (specify)
10
Sysmiss
1006
MM4.3.From which source of information did you first learn about this mobile mon
From which source of information did you first heard about this mobile money service?
1399
604
1
Radio
952
2
tv
30
3
Billboards/posters
37
4
Newspapers or magazines
2
5
Family members in this household
45
6
Family members in another household
12
7
Other relatives, friends, neighbors
164
8
Workmates or business partners
4
9
Customers of your business
0
10
Elected/administrative officials
5
11
Employees of a bank or MFI
0
12
Members of an informal financial group, including a village savings association, cooperative, merry-go-round, etc.
2
13
Transactional mobile money agents
29
14
Field agents/promoters of mobile money
45
15
SMS alerts from providers
17
16
Street events, bus/track announcers
43
17
other (specify)
12
Sysmiss
604
MM3.4.From which source of information did you first learn about this mobile mon
From which source of information did you first heard about this mobile money service?
44
1959
1
Radio
37
2
tv
0
3
Billboards/posters
0
4
Newspapers or magazines
0
5
Family members in this household
1
6
Family members in another household
0
7
Other relatives, friends, neighbors
3
8
Workmates or business partners
0
9
Customers of your business
0
10
Elected/administrative officials
0
11
Employees of a bank or MFI
0
12
Members of an informal financial group, including a village savings association, cooperative, merry-go-round, etc.
0
13
Transactional mobile money agents
0
14
Field agents/promoters of mobile money
1
15
SMS alerts from providers
0
16
Street events, bus/track announcers
1
17
other (specify)
1
Sysmiss
1959
MM5.1. Have you ever used this mobile money service for any financial activity?M
1483
520
1
Yes
294
2
No
1189
Sysmiss
520
MM5.1. Have you ever used this mobile money service for any financial activity?MTN Mobile Money
MM6.1. When did you start using mobile money with this provider? (mm/yyyy) (-99=
294
1709
-99
DK/Refused
46
12000
1
12007
1
12008
1
12009
4
12010
10
12011
9
12012
17
12013
20
12014
9
12015
1
22008
1
22009
1
22011
1
22012
3
22013
6
22014
3
32011
1
32012
2
32013
1
32014
2
33014
1
42010
1
42011
2
42012
1
42013
3
42014
3
52007
1
52012
3
52013
7
52014
5
62010
1
62011
1
62012
3
62013
3
62014
11
72008
1
72009
1
72010
2
72011
2
72012
1
72013
4
72014
6
82006
1
82007
1
82008
2
82009
1
82010
1
82011
2
82012
3
82013
8
82014
11
92011
2
92012
1
92013
2
92014
6
101010
1
102010
3
102011
1
102012
6
102013
3
102014
12
112009
1
112012
2
112013
1
112014
5
122011
1
122012
3
122013
6
122014
5
Sysmiss
1709
MM6.1. When did you start using mobile money with this provider? (mm/yyyy) (-99=DK/Refused) MTN Mobile Money
MM7.1.Apart from today, when was the last time you conducted any financial activ
294
1709
1
Yesterday
26
2
In the past 7 days
60
3
85
4
In the past 90 days
59
5
More than 90 days ago
64
Sysmiss
1709
MM7.1.Apart from today, when was the last time you conducted any financial activity with this mobile money service?MTN Mobile Money
MM8.1. Do you have a registered account in your name with this mobile money serv
1483
520
1
Yes
255
2
No
1228
Sysmiss
520
MM8.1. Do you have a registered account in your name with this mobile money service?MTN Mobile Money
MM9.1. When did you register for this account?(mm/yyyy )(-99=DK/Refused)MTN Mobi
255
1748
-99
DK/Refused
49
12007
1
12008
1
12009
1
12010
9
12011
5
12012
13
12013
19
12014
8
12015
1
22008
1
22012
3
22013
4
22014
4
32014
5
42011
2
42012
1
42013
4
42014
3
52013
5
52014
8
62010
1
62011
2
62012
6
62013
3
62014
9
72008
1
72009
1
72011
1
72012
3
72013
5
72014
6
82006
1
82008
1
82009
1
82010
1
82011
1
82012
1
82013
12
82014
5
92013
3
92014
6
102010
4
102011
1
102012
4
102013
3
102014
7
112011
1
112012
2
112014
2
122011
1
122012
3
122013
6
122014
4
Sysmiss
1748
MM9.1. When did you register for this account?(mm/yyyy )(-99=DK/Refused)MTN Mobile Money
MM10.1. Was it before or after you started using mobile money services? MTN Mobi
49
1954
1
Before
9
2
After
22
3
DK/Refuse
18
Sysmiss
1954
MM10.1. Was it before or after you started using mobile money services? MTN Mobile Money
MM5.2. Have you ever used this mobile money service for any financial activity?
997
1006
1
Yes
33
2
No
964
Sysmiss
1006
MM5.2. Have you ever used this mobile money service for any financial activity? Airtel Money
33
1970
-99
DK/Refused
4
12012
2
12013
4
12014
2
22013
1
32012
1
42013
1
42014
1
52012
1
52014
1
62013
1
62014
2
72014
3
102013
1
102014
3
112014
5
Sysmiss
1970
MM7.2.Apart from today, when was the last time you conducted any financial activ
33
1970
1
Yesterday
3
2
In the past 7 days
5
3
11
4
In the past 90 days
9
5
More than 90 days ago
5
Sysmiss
1970
MM7.2.Apart from today, when was the last time you conducted any financial activity with this mobile money service? Airtel Money
MM8.2. Do you have a registered account (account registered in your name) with t
997
1006
1
Yes
32
2
No
965
Sysmiss
1006
MM8.2. Do you have a registered account (account registered in your name) with this mobile money service? Airtel Money
32
1971
-99
DK/Refused
4
12012
1
12013
4
12014
2
22013
1
32012
1
32013
1
42013
1
52012
1
52014
1
62013
1
62014
2
72014
2
102012
1
102013
1
102014
2
112014
5
122014
1
Sysmiss
1971
MM10.2. Was it before or after you started using mobile money services? Airtel M
4
1999
1
Before
2
2
After
0
3
DK/Refuse
2
Sysmiss
1999
MM10.2. Was it before or after you started using mobile money services? Airtel Money
MM5.3. Have you ever used this mobile money service for any financial activity?
1399
604
1
Yes
270
2
No
1129
Sysmiss
604
MM5.3. Have you ever used this mobile money service for any financial activity? Tigo cash
270
1733
-99
DK/Refused
38
12009
1
12010
5
12011
8
12012
12
12013
18
12014
19
22004
1
22012
3
22013
9
22014
3
32012
1
32013
5
32014
4
42012
7
42013
5
42014
8
52010
2
52011
2
52012
3
52013
6
52014
6
62009
1
62012
4
62013
2
62014
11
72010
1
72011
1
72012
1
72013
4
72014
2
82012
6
82013
4
82014
12
92011
2
92014
6
102010
2
102011
1
102012
4
102013
5
102014
9
112012
2
112013
3
112014
6
122012
1
122013
7
122014
7
Sysmiss
1733
MM7.3.Apart from today, when was the last time you conducted any financial activ
270
1733
1
Yesterday
20
2
In the past 7 days
48
3
83
4
In the past 90 days
64
5
More than 90 days ago
55
Sysmiss
1733
MM7.3.Apart from today, when was the last time you conducted any financial activity with this mobile money service? Tigo cash
MM8.3. Do you have a registered account (account registered in your name) with t
1399
604
1
Yes
258
2
No
1141
Sysmiss
604
MM8.3. Do you have a registered account (account registered in your name) with this mobile money service? Tigo cash
258
1745
-99
DK/Refused
52
12010
3
12011
12
12012
15
12013
20
12014
13
22012
2
22013
7
22014
6
32012
3
32013
1
32014
4
42012
3
42013
4
42014
10
52010
2
52011
2
52012
1
52013
3
52014
7
62009
1
62011
1
62012
3
62013
4
62014
7
72010
1
72011
1
72012
1
72013
6
72014
6
82012
1
82013
6
82014
7
92011
1
92013
3
92014
5
102011
1
102012
4
102013
6
102014
6
112011
1
112012
1
112013
5
112014
3
122012
2
122013
2
122014
3
Sysmiss
1745
MM10.3. Was it before or after you started using mobile money services? Tigo cas
52
1951
1
Before
10
2
After
17
3
DK/Refuse
25
Sysmiss
1951
MM10.3. Was it before or after you started using mobile money services? Tigo cash
MM5.4. Have you ever used this mobile money service for any financial activity?
44
1959
1
Yes
0
2
No
44
Sysmiss
1959
MM5.4. Have you ever used this mobile money service for any financial activity? Other (Specify)
0
2003
-99
DK/Refused
0
Sysmiss
2003
MM7.4.Apart from today, when was the last time you conducted any financial activ
0
2003
1
Yesterday
0
2
In the past 7 days
0
3
0
4
In the past 90 days
0
5
More than 90 days ago
0
Sysmiss
2003
MM7.4.Apart from today, when was the last time you conducted any financial activity with this mobile money service? Other (Specify)
MM8.4. Do you have a registered account (account registered in your name) with t
44
1959
1
Yes
0
2
No
44
Sysmiss
1959
MM8.4. Do you have a registered account (account registered in your name) with this mobile money service? Other (Specify)
0
2003
-99
DK/Refused
0
Sysmiss
2003
MM10.4. Was it before or after you started using mobile money services? Other (S
0
2003
1
Before
0
2
After
0
3
DK/Refuse
0
Sysmiss
2003
MM10.4. Was it before or after you started using mobile money services? Other (Specify)
MM11. Do you usually make transactions with your mobile money account yourself o
Do you usually make transactions with your mobile money account yourself or does somebody else do them on your behalf?
413
1590
1
Make transactions myself
317
2
Somebody does them on my behalf
96
Sysmiss
1590
MM11. Do you usually make transactions with your mobile money account yourself or does somebody else do them on your behalf?
MM12. Who is the person that makes transactions with your mobile money account o
Who is the person that makes transactions with your mobile money account on your behalf most frequently?
96
1907
1
Spouse
5
2
Parent
0
3
Child
9
4
Cousin
0
5
Niece or nephew
1
6
Aunt or uncle
0
7
Grandparent
0
8
Other relative(Specify)
2
9
Workmate or a business partner
1
10
Neighbor,not a relative
2
11
Mobile operator's agent/employee
75
12
Friend
0
13
Helper at home or assitant at work
0
14
Other
1
Sysmiss
1907
MM12. Who is the person that makes transactions with your mobile money account on your behalf most frequently?
MM13.What is the gender of that person of MM12?
96
1907
1
Male
74
2
Female
22
Sysmiss
1907
MM14.1.Apart from today, when was the last time you conducted any financial acti
255
1748
1
Yesterday
27
2
In the past 7 days
51
3
70
4
In the past 90 days
49
5
More than 90 days ago
41
6
Never
17
Sysmiss
1748
MM14.1.Apart from today, when was the last time you conducted any financial activity using these registered accounts? MTN Mobile Money
MM14.2.Apart from today, when was the last time you conducted any financial acti
32
1971
1
Yesterday
3
2
In the past 7 days
5
3
5
4
In the past 90 days
7
5
More than 90 days ago
8
6
Never
4
Sysmiss
1971
MM14.2.Apart from today, when was the last time you conducted any financial activity using these registered accounts? Airtel Money
MM14.3.Apart from today, when was the last time you conducted any financial acti
258
1745
1
Yesterday
21
2
In the past 7 days
38
3
66
4
In the past 90 days
49
5
More than 90 days ago
53
6
Never
31
Sysmiss
1745
MM14.3.Apart from today, when was the last time you conducted any financial activity using these registered accounts? Tigo cash
MM14.4.Apart from today, when was the last time you conducted any financial acti
0
2003
1
Yesterday
0
2
In the past 7 days
0
3
0
4
In the past 90 days
0
5
More than 90 days ago
0
6
Never
0
Sysmiss
2003
MM14.4.Apart from today, when was the last time you conducted any financial activity using these registered accounts? Other (Specify)
MM15.1. How do you usually access this mobile money service? MTN Mobile Money
294
1709
1
Over the counter or by using an agent’s account
75
2
Account of a family member in this household
5
3
Account of a family member in another household, other relative, friend or a neighbor
20
4
Account of a workmate or a business partner
1
5
My own account
187
6
Other (Specify)
6
Sysmiss
1709
MM15.2. How do you usually access this mobile money service? Airtel Money
33
1970
1
Over the counter or by using an agent’s account
5
2
Account of a family member in this household
2
3
Account of a family member in another household, other relative, friend or a neighbor
1
4
Account of a workmate or a business partner
0
5
My own account
24
6
Other (Specify)
1
Sysmiss
1970
MM15.3. How do you usually access this mobile money service? Tigo cash
270
1733
1
Over the counter or by using an agent’s account
66
2
Account of a family member in this household
7
3
Account of a family member in another household, other relative, friend or a neighbor
11
4
Account of a workmate or a business partner
2
5
My own account
180
6
Other (Specify)
4
Sysmiss
1733
MM15.4. How do you usually access this mobile money service? Other (Specify)
0
2003
1
Over the counter or by using an agent’s account
0
2
Account of a family member in this household
0
3
Account of a family member in another household, other relative, friend or a neighbor
0
4
Account of a workmate or a business partner
0
5
My own account
0
6
Other (Specify)
0
Sysmiss
2003
MM16. What is the main reason you have never used mobile money services?
What is the main reason you have never used mobile money services?
1086
917
1
I do not know what it is
71
2
I do not know how to open an account
37
3
I do not have a state-issued/national ID or other required documents
12
4
I prefer to use another type of institution, e.g. SACCO or MFI
40
5
I do not have money to use this service
351
6
I do not need one, I do not make any transactions
38
7
Registration paperwork is too complicated
1
8
Registration fee is too high
3
9
Using mobile money is difficult
4
10
Fees for using mobile money are too high
11
11
I do not have money to make any transactions with mobile money
118
12
No one among my friends or family is using it
5
13
I do not understand the purpose of mobile money, I do not know what I can use it for
18
14
There are no mobile money agents close to where I live/work
16
15
Mobile money are not reliable
1
16
Mobile money do not offer the services I need
0
17
Mobile money agents are unfriendly; they make me feel unwelcomed
0
18
I can’t afford the minimum balance
50
19
Mobile money are not convenient for me
2
20
I never thought about using mobile money
23
21
I do not trust MM/that my money is safe with MM
0
22
I would rather have my money close to me
4
23
I use a bank
4
24
I don’t have time to use MM/go to agents
3
25
I use somebody else’s account
4
26
My husband, family, in-laws do not approve of me using mobile money
0
27
I will not be able to use mobile money/to go to an agent on my own
0
28
It’s not approved by my religion
0
29
The network coverage is too poor/unreliable in the area where I live/work
0
30
The network coverage is too poor/unreliable in the area where people with whom I transact live/work
0
31
I have heard of fraud on mobile money
1
32
Other(SPECIFY)
193
33
DK/Refused
76
Sysmiss
917
MM17. What is the main reason you have not signed up for a mobile money account
What is the main reason you have not signed up for a mobile money account even though you are using the services?
57
1946
1
I do not have a state ID or other required documents
27
2
There is no point-of-service/agent close to where I live
0
3
I do not need to, I do not make any transactions
3
4
Using such account is difficult
2
5
Fees for using such account are too high
0
6
I never have money to make a transaction with such account
6
7
No one among my friends or family has such account
0
8
I do not understand the purpose of this account, I don’t know what I can use it for
1
9
I can have all the services through an agent, I do not need an account
0
10
Registration fees are too high
1
11
I prefer that agents perform transactions for me, they will fix the problems if anything happens
0
12
I do not trust my money is safe on an m-money account
0
13
I prefer to keep money in cash and use m-money only to send/receive money
0
14
I have heard of fraud on mobile money
0
15
Agent can help me use the service/I do not know how to use it on my own.
0
16
I do not see any additional advantages to registration
0
17
The network coverage is too poor/unreliable in the area where I live/work
0
18
The network coverage is too poor/unreliable in the area where people with whom I transact live/work
0
19
I have difficulty remembering my PIN
1
20
Other (Specify)
16
Sysmiss
1946
MM17. What is the main reason you have not signed up for a mobile money account even though you are using the services?
MM18. Why did you start using mobile money?
What is the main reason you started using mobile money?
453
1550
1
I had to send money to another person
93
2
I had to receive money from another person
196
3
Somebody/a person requested I opened an account
12
4
I had to send money to an organization/government agency: e.g., had to pay a bill
0
5
I had to receive money from an organization/government agency: e.g., pension, unemployment payment or welfare benefits
2
6
An organization/government agency requested I signed up for an account
0
7
An agent or sales person convinced me
9
8
I saw posters/billboards/radio/TV advertising that convinced me
12
9
A person I know, who uses mobile money, recommended I use mobile money because it is better than other financial instrum
7
10
I saw other people using it and wanted to try by myself
7
11
I wanted to start saving money with an m-money account
37
12
I wanted a safe place to store my money
17
13
I got a discount on airtime
0
14
I got a promotional amount of money to spend if I start using m-money
0
15
Most my friends/family members are already using it
8
16
Other (Specify)
53
Sysmiss
1550
MM19.1.Have you ever used a mobile money account to do the following? Deposit m
453
1550
1
Yes
310
2
No
143
Sysmiss
1550
MM19.1.Have you ever used a mobile money account to do the following…? Deposit money
MM20.1.In the past 30 days, how many times did you use a mobile money account(s)
310
1693
0
137
1
64
2
51
3
19
4
10
5
8
6
5
7
1
8
1
9
1
10
5
12
1
15
2
20
2
999
DK/Refused
3
Sysmiss
1693
MM20.1.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Deposit money
MM20a.1.In the past 180 days (6 months), how many times did you use a bank accou
310
1693
0
42
1
51
2
48
3
45
4
28
5
16
6
20
7
6
8
7
10
9
12
3
13
2
15
8
20
7
22
3
26
1
30
5
36
1
40
1
50
2
60
2
70
1
9999
DK/Refused
2
Sysmiss
1693
MM20a.1.In the past 180 days (6 months), how many times did you use a bank account for such activities?Deposit money
MM19.2.Have you ever used a mobile money account to do the following? Withdraw
453
1550
1
Yes
408
2
No
45
Sysmiss
1550
MM19.2.Have you ever used a mobile money account to do the following…? Withdraw money
MM20.2.In the past 30 days, how many times did you use a mobile money account(s)
408
1595
0
168
1
101
2
53
3
27
4
19
5
12
6
6
7
2
8
4
10
4
12
4
15
2
20
1
25
1
999
DK/Refused
4
Sysmiss
1595
MM20.2.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Withdraw money
MM20a.2.In the past 180 days (6 months), how many times did you use a bank accou
408
1595
0
45
1
67
2
72
3
50
4
39
5
21
6
27
7
7
8
11
9
1
10
15
12
4
13
2
14
2
15
5
16
3
18
3
20
11
22
1
24
3
25
2
26
1
30
4
40
1
45
1
48
1
50
1
60
1
72
1
90
1
9999
DK/Refused
5
Sysmiss
1595
MM20a.2.In the past 180 days (6 months), how many times did you use a bank account for such activities?Withdraw money
MM19.3.Have you ever used a mobile money account to do the following? Buy airti
453
1550
1
Yes
172
2
No
281
Sysmiss
1550
MM19.3.Have you ever used a mobile money account to do the following…? Buy airtime top-ups
MM20.3.In the past 30 days, how many times did you use a mobile money account(s)
172
1831
0
53
1
29
2
22
3
12
4
12
5
8
6
4
8
3
10
12
11
2
14
1
15
1
20
3
30
5
50
1
999
DK/Refused
4
Sysmiss
1831
MM20.3.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Buy airtime top-ups
MM20a.3.In the past 180 days (6 months), how many times did you use a bank accou
172
1831
0
22
1
16
2
20
3
11
4
12
5
9
6
11
7
4
8
3
10
17
11
1
12
2
14
2
15
3
16
1
18
1
20
15
23
1
30
3
36
1
40
1
45
2
50
2
60
2
70
1
90
1
100
1
180
2
320
1
9999
DK/Refused
4
Sysmiss
1831
MM20a.3.In the past 180 days (6 months), how many times did you use a bank account for such activities?Buy airtime top-ups
MM19.4.Have you ever used a mobile money account to do the following? Pay a sch
453
1550
1
Yes
12
2
No
441
Sysmiss
1550
MM19.4.Have you ever used a mobile money account to do the following…? Pay a school fee
MM20.4.In the past 30 days, how many times did you use a mobile money account(s)
12
1991
0
6
1
4
2
1
999
DK/Refused
1
Sysmiss
1991
MM20.4.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay a school fee
MM20a.4.In the past 180 days (6 months), how many times did you use a bank accou
12
1991
0
2
1
4
2
3
3
1
6
1
9999
DK/Refused
1
Sysmiss
1991
MM20a.4.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay a school fee
MM19.5.Have you ever used a mobile money account to do the following? Pay a med
453
1550
1
Yes
5
2
No
448
Sysmiss
1550
MM19.5.Have you ever used a mobile money account to do the following…? Pay a medical bill
MM20.5.In the past 30 days, how many times did you use a mobile money account(s)
5
1998
0
1
1
3
4
1
999
DK/Refused
0
Sysmiss
1998
MM20.5.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay a medical bill
MM20a.5.In the past 180 days (6 months), how many times did you use a bank accou
5
1998
1
3
2
1
6
1
9999
DK/Refused
0
Sysmiss
1998
MM20a.5.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay a medical bill
MM19.6.Have you ever used a mobile money account to do the following…? Pay an el
453
1550
1
Yes
69
2
No
384
Sysmiss
1550
MM19.6.Have you ever used a mobile money account to do the following…? Pay an electricity bill
MM20.6.In the past 30 days, how many times did you use a mobile money account(s)
69
1934
0
16
1
27
2
14
3
6
4
1
5
3
10
1
999
DK/Refused
1
Sysmiss
1934
MM20.6.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay an electricity bill
MM20a.6.In the past 180 days (6 months), how many times did you use a bank accou
69
1934
0
3
1
10
2
10
3
10
4
9
5
7
6
9
7
1
8
1
10
6
20
1
30
1
9999
DK/Refused
1
Sysmiss
1934
MM20a.6.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay an electricity bill
MM19.7.Have you ever used a mobile money account to do the following…? Pay for w
453
1550
1
Yes
2
2
No
451
Sysmiss
1550
MM19.7.Have you ever used a mobile money account to do the following…? Pay for water access or delivery
MM20.7.In the past 30 days, how many times did you use a mobile money account(s)
2
2001
1
2
999
DK/Refused
0
Sysmiss
2001
MM20.7.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay for water access or delivery
MM20a.7.In the past 180 days (6 months), how many times did you use a bank accou
2
2001
3
1
4
1
9999
DK/Refused
0
Sysmiss
2001
MM20a.7.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay for water access or delivery
MM19.8.Have you ever used a mobile money account to do the following…? Pay for s
453
1550
1
Yes
1
2
No
452
Sysmiss
1550
MM19.8.Have you ever used a mobile money account to do the following…? Pay for solar lantern or a solar home system
MM20.8.In the past 30 days, how many times did you use a mobile money account(s)
1
2002
2
1
999
DK/Refused
0
Sysmiss
2002
MM20.8.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay for solar lantern or a solar home system
MM20a.8.In the past 180 days (6 months), how many times did you use a bank accou
1
2002
0
1
9999
DK/Refused
0
Sysmiss
2002
MM20a.8.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay for solar lantern or a solar home system
MM19.9.Have you ever used a mobile money account to do the following…? Pay TV/ca
453
1550
1
Yes
5
2
No
448
Sysmiss
1550
MM19.9.Have you ever used a mobile money account to do the following…? Pay TV/cable/satellite bill
MM20.9.In the past 30 days, how many times did you use a mobile money account(s)
5
1998
0
1
1
4
999
DK/Refused
0
Sysmiss
1998
MM20.9.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay TV/cable/satellite bill
MM20a.9.In the past 180 days (6 months), how many times did you use a bank accou
5
1998
1
2
2
2
3
1
9999
DK/Refused
0
Sysmiss
1998
MM20a.9.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay TV/cable/satellite bill
MM19.10.Have you ever used a mobile money account to do the following…? Pay a go
453
1550
1
Yes
3
2
No
450
Sysmiss
1550
MM19.10.Have you ever used a mobile money account to do the following…? Pay a government bill, including tax, fine or fee
MM20.10.In the past 30 days, how many times did you use a mobile money account(s
3
2000
0
1
1
1
2
1
999
DK/Refused
0
Sysmiss
2000
MM20.10.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay a government bill, including tax, fine or fee
MM20a.10.In the past 180 days (6 months), how many times did you use a bank acco
3
2000
1
1
3
1
4
1
9999
DK/Refused
0
Sysmiss
2000
MM20a.10.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay a government bill, including tax, fine or fee
MM19.11.Have you ever used a mobile money account to do the following…? Pay othe
453
1550
1
Yes
9
2
No
444
Sysmiss
1550
MM19.11.Have you ever used a mobile money account to do the following…? Pay other bill (SPECIFY)
MM20.11.In the past 30 days, how many times did you use a mobile money account(s
9
1994
0
1
1
2
2
5
3
1
999
DK/Refused
0
Sysmiss
1994
MM20.11.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay other bill (SPECIFY)
MM20a.11.In the past 180 days (6 months), how many times did you use a bank acco
9
1994
1
2
2
1
3
3
4
1
5
2
9999
DK/Refused
0
Sysmiss
1994
MM20a.11.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay other bill (SPECIFY)
MM19.12.Have you ever used a mobile money account to do the following…? Send mon
453
1550
1
Yes
66
2
No
387
Sysmiss
1550
MM19.12.Have you ever used a mobile money account to do the following…? Send money to family members, friends, workmates or other acquaintances for regular support/allowances
MM20.12.In the past 30 days, how many times did you use a mobile money account(s
66
1937
0
25
1
22
2
10
3
5
4
3
999
DK/Refused
1
Sysmiss
1937
MM20.12.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Send money to family members, friends, workmates or other acquaintances for regular support/allowances
MM20a.12.In the past 180 days (6 months), how many times did you use a bank acco
66
1937
0
6
1
13
2
16
3
13
4
7
5
4
6
1
7
1
8
2
20
1
22
1
9999
DK/Refused
1
Sysmiss
1937
MM20a.12.In the past 180 days (6 months), how many times did you use a bank account for such activities?Send money to family members, friends, workmates or other acquaintances for regular support/allowances
MM19.13.Have you ever used a mobile money account to do the following…? Send mon
453
1550
1
Yes
102
2
No
351
Sysmiss
1550
MM19.13.Have you ever used a mobile money account to do the following…? Send money to family members, friends, workmates or other acquaintances to help with emergencies
MM20.13.In the past 30 days, how many times did you use a mobile money account(s
102
1901
0
53
1
29
2
9
3
3
4
4
5
1
999
DK/Refused
3
Sysmiss
1901
MM20.13.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Send money to family members, friends, workmates or other acquaintances to help with emergencies
MM20a.13.In the past 180 days (6 months), how many times did you use a bank acco
102
1901
0
13
1
29
2
27
3
8
4
10
5
2
6
2
8
2
9
1
10
3
12
1
18
1
20
1
9999
DK/Refused
2
Sysmiss
1901
MM20a.13.In the past 180 days (6 months), how many times did you use a bank account for such activities?Send money to family members, friends, workmates or other acquaintances to help with emergencies
MM19.14.Have you ever used a mobile money account to do the following…? Receive
453
1550
1
Yes
71
2
No
382
Sysmiss
1550
MM19.14.Have you ever used a mobile money account to do the following…? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances
MM20.14.In the past 30 days, how many times did you use a mobile money account(s
71
1932
0
28
1
21
2
8
3
4
4
5
5
3
8
1
999
DK/Refused
1
Sysmiss
1932
MM20.14.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Receive money from family members, friends, workmates or other acquaintances for regular support/allowances
MM20a.14.In the past 180 days (6 months), how many times did you use a bank acco
71
1932
0
6
1
18
2
9
3
12
4
6
5
4
6
4
7
3
10
8
9999
DK/Refused
1
Sysmiss
1932
MM20a.14.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive money from family members, friends, workmates or other acquaintances for regular support/allowances
MM19.15.Have you ever used a mobile money account to do the following…? Receive
453
1550
1
Yes
124
2
No
329
Sysmiss
1550
MM19.15.Have you ever used a mobile money account to do the following…? Receive money from family members, friends, workmates or other acquaintances to help with emergencies
MM20.15.In the past 30 days, how many times did you use a mobile money account(s
124
1879
0
48
1
34
2
19
3
9
4
6
5
3
6
1
10
2
999
DK/Refused
2
Sysmiss
1879
MM20.15.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Receive money from family members, friends, workmates or other acquaintances to help with emergencies
MM20a.15.In the past 180 days (6 months), how many times did you use a bank acco
124
1879
0
16
1
30
2
16
3
14
4
12
5
10
6
12
7
1
8
1
10
4
11
1
13
1
20
1
50
1
60
1
9999
DK/Refused
3
Sysmiss
1879
MM20a.15.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive money from family members, friends, workmates or other acquaintances to help with emergencies
MM19.16.Have you ever used a mobile money account to do the following…? Receive
453
1550
1
Yes
3
2
No
450
Sysmiss
1550
MM19.16.Have you ever used a mobile money account to do the following…? Receive welfare or pension from the government
MM20.16.In the past 30 days, how many times did you use a mobile money account(s
3
2000
0
2
3
1
999
DK/Refused
0
Sysmiss
2000
MM20.16.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Receive welfare or pension from the government
MM20a.16.In the past 180 days (6 months), how many times did you use a bank acco
3
2000
1
1
3
1
10
1
9999
DK/Refused
0
Sysmiss
2000
MM20a.16.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive welfare or pension from the government
MM19.17.Have you ever used a mobile money account to do the following…? Receive
453
1550
1
Yes
0
2
No
453
Sysmiss
1550
MM19.17.Have you ever used a mobile money account to do the following…? Receive other benefit payments from the government or government agency (Specify)
MM20.17.In the past 30 days, how many times did you use a mobile money account(s
0
2003
999
DK/Refused
0
Sysmiss
2003
MM20.17.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Receive other benefit payments from the government or government agency (Specify)
MM20a.17.In the past 180 days (6 months), how many times did you use a bank acco
0
2003
9999
DK/Refused
0
Sysmiss
2003
MM20a.17.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive other benefit payments from the government or government agency (Specify)
MM19.18.Have you ever used a mobile money account to do the following…? Receive
453
1550
1
Yes
3
2
No
450
Sysmiss
1550
MM19.18.Have you ever used a mobile money account to do the following…? Receive wages for primary job
MM20.18.In the past 30 days, how many times did you use a mobile money account(s
3
2000
1
2
2
1
999
DK/Refused
0
Sysmiss
2000
MM20.18.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Receive wages for primary job
MM20a.18.In the past 180 days (6 months), how many times did you use a bank acco
3
2000
2
1
6
1
12
1
9999
DK/Refused
0
Sysmiss
2000
MM20a.18.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive wages for primary job
MM19.19.Have you ever used a mobile money account to do the following…? Receive
453
1550
1
Yes
2
2
No
451
Sysmiss
1550
MM19.19.Have you ever used a mobile money account to do the following…? Receive wages for secondary job(s)
MM20.19.In the past 30 days, how many times did you use a mobile money account(s
2
2001
0
1
1
1
999
DK/Refused
0
Sysmiss
2001
MM20.19.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Receive wages for secondary job(s)
MM20a.19.In the past 180 days (6 months), how many times did you use a bank acco
2
2001
0
1
1
1
9999
DK/Refused
0
Sysmiss
2001
MM20a.19.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive wages for secondary job(s)
MM19.20.Have you ever used a mobile money account to do the following…? Pay for
453
1550
1
Yes
0
2
No
453
Sysmiss
1550
MM19.20.Have you ever used a mobile money account to do the following…? Pay for large acquisitions, including land, cattle, residence
MM20.20.In the past 30 days, how many times did you use a mobile money account(s
0
2003
999
DK/Refused
0
Sysmiss
2003
MM20.20.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay for large acquisitions, including land, cattle, residence
MM20a.20.In the past 180 days (6 months), how many times did you use a bank acco
0
2003
9999
DK/Refused
0
Sysmiss
2003
MM20a.20.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay for large acquisitions, including land, cattle, residence
MM19.21.Have you ever used a mobile money account to do the following…? Make ins
453
1550
1
Yes
2
2
No
451
Sysmiss
1550
MM19.21.Have you ever used a mobile money account to do the following…? Make insurance-related payments
MM20.21.In the past 30 days, how many times did you use a mobile money account(s
2
2001
0
1
1
1
999
DK/Refused
0
Sysmiss
2001
MM20.21.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Make insurance-related payments
MM20a.21.In the past 180 days (6 months), how many times did you use a bank acco
2
2001
1
2
9999
DK/Refused
0
Sysmiss
2001
MM20a.21.In the past 180 days (6 months), how many times did you use a bank account for such activities?Make insurance-related payments
MM19.22.Have you ever used a mobile money account to do the following…? Receive
453
1550
1
Yes
1
2
No
452
Sysmiss
1550
MM19.22.Have you ever used a mobile money account to do the following…? Receive claims on insurance
MM20.22.In the past 30 days, how many times did you use a mobile money account(s
1
2002
1
1
999
DK/Refused
0
Sysmiss
2002
MM20.22.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Receive claims on insurance
MM20a.22.In the past 180 days (6 months), how many times did you use a bank acco
1
2002
3
1
9999
DK/Refused
0
Sysmiss
2002
MM20a.22.In the past 180 days (6 months), how many times did you use a bank account for such activities?Receive claims on insurance
MM19.23.Have you ever used a mobile money account to do the following…? Take a l
453
1550
1
Yes
2
2
No
451
Sysmiss
1550
MM19.23.Have you ever used a mobile money account to do the following…? Take a loan or make payments on a loan
MM20.23.In the past 30 days, how many times did you use a mobile money account(s
2
2001
0
2
999
DK/Refused
0
Sysmiss
2001
MM20.23.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Take a loan or make payments on a loan
MM20a.23.In the past 180 days (6 months), how many times did you use a bank acco
2
2001
0
1
2
1
9999
DK/Refused
0
Sysmiss
2001
MM20a.23.In the past 180 days (6 months), how many times did you use a bank account for such activities?Take a loan or make payments on a loan
MM19.24.Have you ever used a mobile money account to do the following…? Give a l
453
1550
1
Yes
3
2
No
450
Sysmiss
1550
MM19.24.Have you ever used a mobile money account to do the following…? Give a loan or receive payments on a loan
MM20.24.In the past 30 days, how many times did you use a mobile money account(s
3
2000
0
2
999
DK/Refused
1
Sysmiss
2000
MM20.24.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Give a loan or receive payments on a loan
MM20a.24.In the past 180 days (6 months), how many times did you use a bank acco
3
2000
0
2
9999
DK/Refused
1
Sysmiss
2000
MM20a.24.In the past 180 days (6 months), how many times did you use a bank account for such activities?Give a loan or receive payments on a loan
MM19.25.Have you ever used a mobile money account to do the following…? Save mon
453
1550
1
Yes
17
2
No
436
Sysmiss
1550
MM19.25.Have you ever used a mobile money account to do the following…? Save money for a specific future purchase or payment
MM20.25.In the past 30 days, how many times did you use a mobile money account(s
17
1986
0
7
1
6
2
2
3
1
4
1
999
DK/Refused
0
Sysmiss
1986
MM20.25.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Save money for a specific future purchase or payment
MM20a.25.In the past 180 days (6 months), how many times did you use a bank acco
17
1986
0
4
1
4
2
4
3
2
4
1
6
1
15
1
9999
DK/Refused
0
Sysmiss
1986
MM20a.25.In the past 180 days (6 months), how many times did you use a bank account for such activities?Save money for a specific future purchase or payment
MM19.26.Have you ever used a mobile money account to do the following…? Set asid
453
1550
1
Yes
3
2
No
450
Sysmiss
1550
MM19.26.Have you ever used a mobile money account to do the following…? Set aside money for pension, paid pension contributions
MM20.26.In the past 30 days, how many times did you use a mobile money account(s
3
2000
0
2
1
1
999
DK/Refused
0
Sysmiss
2000
MM20.26.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Set aside money for pension, paid pension contributions
MM20a.26.In the past 180 days (6 months), how many times did you use a bank acco
3
2000
0
1
3
2
9999
DK/Refused
0
Sysmiss
2000
MM20a.26.In the past 180 days (6 months), how many times did you use a bank account for such activities?Set aside money for pension, paid pension contributions
MM19.27.Have you ever used a mobile money account to do the following…? Set mone
453
1550
1
Yes
19
2
No
434
Sysmiss
1550
MM19.27.Have you ever used a mobile money account to do the following…? Set money aside just in case/for an emergency
MM20.27.In the past 30 days, how many times did you use a mobile money account(s
19
1984
0
5
1
6
2
4
3
3
10
1
999
DK/Refused
0
Sysmiss
1984
MM20.27.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Set money aside just in case/for an emergency
MM20a.27.In the past 180 days (6 months), how many times did you use a bank acco
19
1984
0
4
1
5
2
3
3
1
5
3
6
1
9
1
60
1
9999
DK/Refused
0
Sysmiss
1984
MM20a.27.In the past 180 days (6 months), how many times did you use a bank account for such activities?Set money aside just in case/for an emergency
MM19.28.Have you ever used a mobile money account to do the following…? Make an
453
1550
1
Yes
0
2
No
453
Sysmiss
1550
MM19.28.Have you ever used a mobile money account to do the following…? Make an investment, including buy stock or shares
MM20.28.In the past 30 days, how many times did you use a mobile money account(s
0
2003
999
DK/Refused
0
Sysmiss
2003
MM20.28.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Make an investment, including buy stock or shares
MM20a.28.In the past 180 days (6 months), how many times did you use a bank acco
0
2003
9999
DK/Refused
0
Sysmiss
2003
MM20a.28.In the past 180 days (6 months), how many times did you use a bank account for such activities?Make an investment, including buy stock or shares
MM19.29.Have you ever used a mobile money account to do the following…? Pay in p
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM19.29.Have you ever used a mobile money account to do the following…? Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport
MM20.29.In the past 30 days, how many times did you use a mobile money account(s
6
1997
1
1
2
1
7
1
8
1
10
1
30
1
999
DK/Refused
0
Sysmiss
1997
MM20.29.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport
MM20a.29.In the past 180 days (6 months), how many times did you use a bank acco
6
1997
2
1
6
1
7
1
20
1
90
1
9999
DK/Refused
1
Sysmiss
1997
MM20a.29.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay in person for goods and services, e.g., at a grocery store, clothing shop or any other store/shop, at a restaurant, or pay for transport
MM19.30.Have you ever used a mobile money account to do the following…? Pay remo
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM19.30.Have you ever used a mobile money account to do the following…? Pay remotely for goods and services
MM20.30.In the past 30 days, how many times did you use a mobile money account(s
6
1997
0
2
1
3
5
1
999
DK/Refused
0
Sysmiss
1997
MM20.30.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay remotely for goods and services
MM20a.30.In the past 180 days (6 months), how many times did you use a bank acco
6
1997
0
1
1
1
3
3
10
1
9999
DK/Refused
0
Sysmiss
1997
MM20a.30.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay remotely for goods and services
MM19.31.Have you ever used a mobile money account to do the following…? Transfer
453
1550
1
Yes
2
2
No
451
Sysmiss
1550
MM19.31.Have you ever used a mobile money account to do the following…? Transfer money from one bank account to another bank account
MM20.31.In the past 30 days, how many times did you use a mobile money account(s
2
2001
1
1
4
1
999
DK/Refused
0
Sysmiss
2001
MM20.31.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Transfer money from one bank account to another bank account
MM20a.31.In the past 180 days (6 months), how many times did you use a bank acco
2
2001
1
1
4
1
9999
DK/Refused
0
Sysmiss
2001
MM20a.31.In the past 180 days (6 months), how many times did you use a bank account for such activities?Transfer money from one bank account to another bank account
MM19.32.Have you ever used a mobile money account to do the following…? Transfer
453
1550
1
Yes
0
2
No
453
Sysmiss
1550
MM19.32.Have you ever used a mobile money account to do the following…? Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account
MM20.32.In the past 30 days, how many times did you use a mobile money account(s
0
2003
999
DK/Refused
0
Sysmiss
2003
MM20.32.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account
MM20a.32.In the past 180 days (6 months), how many times did you use a bank acco
0
2003
9999
DK/Refused
0
Sysmiss
2003
MM20a.32.In the past 180 days (6 months), how many times did you use a bank account for such activities?Transfer money from a bank account to a mobile money account; transfer money from a mobile money account to a bank account
MM19.33.Have you ever used a mobile money account to do the following…? Transfer
453
1550
1
Yes
0
2
No
453
Sysmiss
1550
MM19.33.Have you ever used a mobile money account to do the following…? Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.)
MM20.33.In the past 30 days, how many times did you use a mobile money account(s
0
2003
999
DK/Refused
0
Sysmiss
2003
MM20.33.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.)
MM20a.33.In the past 180 days (6 months), how many times did you use a bank acco
0
2003
9999
DK/Refused
0
Sysmiss
2003
MM20a.33.In the past 180 days (6 months), how many times did you use a bank account for such activities?Transfer money from a bank account to an account at another financial institution (SACCO, MFI, etc.)
MM19.34.Have you ever used a mobile money account to do the following…? Pay rent
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM19.34.Have you ever used a mobile money account to do the following…? Pay rent
MM20.34.In the past 30 days, how many times did you use a mobile money account(s
6
1997
0
2
1
3
2
1
999
DK/Refused
0
Sysmiss
1997
MM20.34.In the past 30 days, how many times did you use a mobile money account(s) for such financial activities?Pay rent
MM20a.34.In the past 180 days (6 months), how many times did you use a bank acco
6
1997
0
1
2
1
3
1
4
1
6
2
9999
DK/Refused
0
Sysmiss
1997
MM20a.34.In the past 180 days (6 months), how many times did you use a bank account for such activities?Pay rent
MM21.1 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
15
2
No
438
Sysmiss
1550
MM21.2 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
12
2
No
441
Sysmiss
1550
MM21.3 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
15
2
No
438
Sysmiss
1550
MM21.4 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
4
2
No
449
Sysmiss
1550
MM21.5 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM21.6 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM21.6 Do you use a mobile money account to make the following business payments/purchases? Pay business-associated expenses, including rent, taxes, utility and transportation bills
MM21.7 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
2
2
No
451
Sysmiss
1550
MM21.8 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM21.9 Do you use a mobile money account to make the following business payments
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
3
2
No
450
Sysmiss
1550
MM21.10 Do you use a mobile money account to make the following business payment
Do you use a mobile money account to make the following business payments/purchases?
453
1550
1
Yes
418
2
No
35
Sysmiss
1550
MM22.1 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
307
2
No
111
Sysmiss
1585
MM22.1 You said you do not use a mobile money account for any business transactions. Please, tell me why? I do not have a business
MM22.2 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
9
2
No
409
Sysmiss
1585
MM22.2 You said you do not use a mobile money account for any business transactions. Please, tell me why? I will have to pay extra taxes
MM22.3 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
1
2
No
417
Sysmiss
1585
MM22.3 You said you do not use a mobile money account for any business transactions. Please, tell me why? I will have to pay bribes to government officials to avoid taxation/licensing/paper work
MM22.4 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
2
2
No
416
Sysmiss
1585
MM22.5 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
2
2
No
416
Sysmiss
1585
MM22.6 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
18
2
No
400
Sysmiss
1585
MM22.7 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
7
2
No
411
Sysmiss
1585
MM22.8 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
15
2
No
403
Sysmiss
1585
MM22.9 You said you do not use a mobile money account for any business transacti
418
1585
1
Yes
7
2
No
411
Sysmiss
1585
MM22.10 You said you do not use a mobile money account for any business transact
418
1585
1
Yes
12
2
No
406
Sysmiss
1585
MM22.11 You said you do not use a mobile money account for any business transact
418
1585
1
Yes
6
2
No
412
Sysmiss
1585
MM22.12 You said you do not use a mobile money account for any business transact
418
1585
1
Yes
87
2
No
331
Sysmiss
1585
MM22.12 You said you do not use a mobile money account for any business transactions. Please, tell me why? DK/Refused
MM23. Do you tend to use the same mobile money agent all or most of the time?
Do you tend to use the same mobile money agent all or most of the time?
453
1550
1
Yes
112
2
No
341
Sysmiss
1550
MM24. What is the main reason you are using this agent regularly?
What is the main reason you are using this agent regularly?
112
1891
1
Proximity to where I live
84
2
Proximity to places where I go – school, retail store, my job, etc.
2
3
Agent is knowledgeable/helpful
2
4
The agent is fast
2
5
I trust this agent
11
6
Reliability: the agent is always present during work hours
0
7
Reliability: the agent always has e-float and/or cash to conduct my transaction
1
8
Out of courtesy
2
9
Agent is friendly and engaged
0
10
This agent is my personal friend, family member or a relative
3
11
My family members, friends or workmates use this agent
0
12
Because the agent is a female
0
13
Because the agent is a male
0
14
Agent was recommended to me
0
15
No particular reason
1
16
It’s the only agent I know of that serves my MM provider
1
17
The agent serves multiple MM providers
0
18
Other (Specify)
3
Sysmiss
1891
MM25. How far is the closest mobile money agent (of any provider) from the place
Now, I want to ask you about your experience with mobile money agents in general. You do not have to talk about your regular agent if you do not have one.
How far is the closest mobile money agent (of any provider) from the place where you live? Is he/she___________ away?
453
1550
1
0.5 km or less
209
2
More than 0.5 km to 1km
111
3
More than 1km to 5km
91
4
More than 5km to 10km
33
5
More than 10km to 15km
8
6
More than 15km
1
Sysmiss
1550
MM25. How far is the closest mobile money agent (of any provider) from the place where you live? Is he/she___________ away?
MM25a.1.How many agents do you know of within each distance from the place where
453
1550
0
244
1
71
2
43
3
26
4
22
5
15
6
8
7
2
8
4
10
9
12
1
15
3
20
3
30
2
999
DK/Refused
0
Sysmiss
1550
MM25a.1.How many agents do you know of within each distance from the place where you live? 0.5 km or less
MM25a.2.How many agents do you know of within each distance from the place where
453
1550
0
137
1
43
2
37
3
42
4
26
5
38
6
13
7
12
8
8
10
21
11
1
12
3
13
1
14
2
15
6
16
1
17
2
19
1
20
6
24
1
40
1
44
1
50
3
999
DK/Refused
47
Sysmiss
1550
MM25a.2.How many agents do you know of within each distance from the place where you live? More than 0.5 km to 1km
MM25a.3.How many agents do you know of within each distance from the place where
453
1550
0
42
1
35
2
37
3
28
4
26
5
30
6
18
7
16
8
12
9
6
10
35
11
3
12
5
13
2
15
17
16
1
17
2
18
2
20
13
21
1
25
6
26
1
30
10
35
2
36
1
40
4
45
1
48
1
50
3
55
1
100
3
999
DK/Refused
89
Sysmiss
1550
MM25a.3.How many agents do you know of within each distance from the place where you live? More than 1km to 5km
MM25a.4.How many agents do you know of within each distance from the place where
453
1550
0
9
1
10
2
14
3
25
4
23
5
19
6
10
7
9
8
12
9
5
10
37
11
3
12
3
13
3
14
3
15
17
17
2
18
2
20
22
21
1
22
4
23
1
24
2
25
6
26
1
27
1
28
1
30
4
35
1
36
1
40
12
45
1
48
1
50
8
57
1
60
1
80
1
96
1
100
5
200
2
300
1
999
DK/Refused
168
Sysmiss
1550
MM25a.4.How many agents do you know of within each distance from the place where you live? More than 5km to 10km
MM25a.5.How many agents do you know of within each distance from the place where
453
1550
0
1
1
4
2
7
3
12
4
11
5
8
6
7
7
6
8
5
9
1
10
30
11
1
12
5
13
2
14
5
15
14
17
2
18
1
20
14
21
1
22
3
23
1
24
2
25
13
26
2
27
1
28
5
30
13
32
1
33
1
35
4
36
2
40
7
45
2
50
3
60
2
70
3
80
1
100
12
150
2
200
1
247
1
250
1
400
1
450
1
999
DK/Refused
231
Sysmiss
1550
MM25a.5.How many agents do you know of within each distance from the place where you live? More than 10km to 15km
MM26.1 Which of the following mobile money agents are the closest to where you l
453
1550
1
Yes
263
2
No
190
Sysmiss
1550
MM26.2 Which of the following mobile money agents are the closest to where you l
453
1550
1
Yes
68
2
No
385
Sysmiss
1550
MM26.3 Which of the following mobile money agents are the closest to where you l
453
1550
1
Yes
299
2
No
154
Sysmiss
1550
MM26.4 Which of the following mobile money agents are the closest to where you l
453
1550
1
Yes
20
2
No
433
Sysmiss
1550
MM27. How do you usually get to a mobile money agent? Do you…?
How do you usually get to a mobile money agent? Do you…
453
1550
1
Walk
413
2
Use a motorcycle taxi or a mini-bus taxi
24
3
Use a regular bus
1
4
The agent comes to me
0
5
Ride a bicycle
13
6
Ride in my own car or motorbike
2
7
Get a car/motorbike ride for free with a frend,relative or neighbor
0
8
Other(Specify)
0
Sysmiss
1550
MM28.How long does it usually take you to get to a mobile money agent?
How long does it usually take you to get to a mobile money agent?
453
1550
1
15 minutes or less
282
2
More than 15 to 30 minutes
82
3
More than 30 minutes to an hour
56
4
More than an hour to 2 hours
27
5
More than 2 hours to 4 hours
6
6
More than 4 hours
0
Sysmiss
1550
MM29.1. Do you usually go to a mobile money agent at or near the following place
453
1550
1
Yes
256
2
No
197
Sysmiss
1550
MM29.1. Do you usually go to a mobile money agent at or near the following places? Your home
MM29.2. Do you usually go to a mobile money agent at or near the following place
453
1550
1
Yes
53
2
No
400
Sysmiss
1550
MM29.2. Do you usually go to a mobile money agent at or near the following places? Your work
MM29.3. Do you usually go to a mobile money agent at or near the following place
453
1550
1
Yes
212
2
No
241
Sysmiss
1550
MM29.3. Do you usually go to a mobile money agent at or near the following places? Where you shop for food
MM29.4. Do you usually go to a mobile money agent at or near the following place
453
1550
1
Yes
36
2
No
417
Sysmiss
1550
MM29.4. Do you usually go to a mobile money agent at or near the following places? Near your children’s school/childcare facility
MM29.5. Do you usually go to a mobile money agent at or near the following place
453
1550
1
Yes
177
2
No
276
Sysmiss
1550
MM29.5. Do you usually go to a mobile money agent at or near the following places? Near a public transportation hub, for example, a bus stop or station
MM29.6. Do you usually go to a mobile money agent at or near the following place
453
1550
1
Yes
113
2
No
340
Sysmiss
1550
MM29.6. Do you usually go to a mobile money agent at or near the following places?Near a shop where you go to charge your mobile phone
MM29.7. Do you usually go to a mobile money agent at or near the following place
453
1550
1
Yes
177
2
No
276
Sysmiss
1550
MM29.7. Do you usually go to a mobile money agent at or near the following places?Near/at the shop where you buy airtime
MM29.8. Do you usually go to a mobile money agent at or near the following place
453
1550
1
Yes
22
2
No
431
Sysmiss
1550
MM29.8. Do you usually go to a mobile money agent at or near the following places? Other (Specify)
MM30.1.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
161
2
No
292
Sysmiss
1550
MM30.1.Have you ever experienced any of the following issues with any mobile money agent? GSM, mobile network or agent system was down
MM31.1. How many times in the past 6 months have you experienced this issue?GSM,
161
1842
1
Less than 3 times
120
2
3-6 times
31
3
7-12 times
8
4
More than 12 times
2
Sysmiss
1842
MM31.1. How many times in the past 6 months have you experienced this issue?GSM, mobile network or agent system was down
MM32.1. Have you reported this issue to the Customer Services of the Mobile Mone
161
1842
1
Yes
14
2
No
147
Sysmiss
1842
MM32.1. Have you reported this issue to the Customer Services of the Mobile Money Company?GSM, mobile network or agent system was down
MM33.1.Was the issue resolved to your satisfaction?GSM, mobile network or agent
161
1842
1
Yes
119
2
No
42
Sysmiss
1842
MM33.1.Was the issue resolved to your satisfaction?GSM, mobile network or agent system was down
MM30.2.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
102
2
No
351
Sysmiss
1550
MM30.2.Have you ever experienced any of the following issues with any mobile money agent? Agent was absent
MM31.2. How many times in the past 6 months have you experienced this issue?Agen
102
1901
1
Less than 3 times
64
2
3-6 times
29
3
7-12 times
5
4
More than 12 times
4
Sysmiss
1901
MM31.2. How many times in the past 6 months have you experienced this issue?Agent was absent
MM32.2. Have you reported this issue to the Customer Services of the Mobile Mone
102
1901
1
Yes
4
2
No
98
Sysmiss
1901
MM32.2. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent was absent
MM33.2.Was the issue resolved to your satisfaction?Agent was absent
102
1901
1
Yes
72
2
No
30
Sysmiss
1901
MM30.3.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
21
2
No
432
Sysmiss
1550
MM30.3.Have you ever experienced any of the following issues with any mobile money agent? Agent was rude
MM31.3. How many times in the past 6 months have you experienced this issue?Agen
21
1982
1
Less than 3 times
11
2
3-6 times
6
3
7-12 times
2
4
More than 12 times
2
Sysmiss
1982
MM31.3. How many times in the past 6 months have you experienced this issue?Agent was rude
MM32.3. Have you reported this issue to the Customer Services of the Mobile Mone
21
1982
1
Yes
2
2
No
19
Sysmiss
1982
MM32.3. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent was rude
MM33.3.Was the issue resolved to your satisfaction?Agent was rude
21
1982
1
Yes
14
2
No
7
Sysmiss
1982
MM30.4.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
103
2
No
350
Sysmiss
1550
MM30.4.Have you ever experienced any of the following issues with any mobile money agent? Agent did not have enough cash or e-float and could not perform the transaction
MM31.4. How many times in the past 6 months have you experienced this issue?Agen
103
1900
1
Less than 3 times
76
2
3-6 times
22
3
7-12 times
4
4
More than 12 times
1
Sysmiss
1900
MM31.4. How many times in the past 6 months have you experienced this issue?Agent did not have enough cash or e-float and could not perform the transaction
MM32.4. Have you reported this issue to the Customer Services of the Mobile Mone
103
1900
1
Yes
8
2
No
95
Sysmiss
1900
MM32.4. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent did not have enough cash or e-float and could not perform the transaction
MM33.4.Was the issue resolved to your satisfaction?Agent did not have enough cas
103
1900
1
Yes
70
2
No
33
Sysmiss
1900
MM33.4.Was the issue resolved to your satisfaction?Agent did not have enough cash or e-float and could not perform the transaction
MM30.5.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
7
2
No
446
Sysmiss
1550
MM30.5.Have you ever experienced any of the following issues with any mobile money agent? Agent refused to perform transaction for no reason
MM31.5. How many times in the past 6 months have you experienced this issue?Agen
7
1996
1
Less than 3 times
2
2
3-6 times
3
3
7-12 times
2
4
More than 12 times
0
Sysmiss
1996
MM31.5. How many times in the past 6 months have you experienced this issue?Agent refused to perform transaction for no reason
MM32.5. Have you reported this issue to the Customer Services of the Mobile Mone
7
1996
1
Yes
1
2
No
6
Sysmiss
1996
MM32.5. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent refused to perform transaction for no reason
MM33.5.Was the issue resolved to your satisfaction?Agent refused to perform tran
7
1996
1
Yes
4
2
No
3
Sysmiss
1996
MM33.5.Was the issue resolved to your satisfaction?Agent refused to perform transaction for no reason
MM30.6.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
4
2
No
449
Sysmiss
1550
MM30.6.Have you ever experienced any of the following issues with any mobile money agent? Agent did not know how to perform the transaction
MM31.6. How many times in the past 6 months have you experienced this issue?Agen
4
1999
1
Less than 3 times
4
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
1999
MM31.6. How many times in the past 6 months have you experienced this issue?Agent did not know how to perform the transaction
MM32.6. Have you reported this issue to the Customer Services of the Mobile Mone
4
1999
1
Yes
0
2
No
4
Sysmiss
1999
MM32.6. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent did not know how to perform the transaction
MM33.6.Was the issue resolved to your satisfaction?Agent did not know how to per
4
1999
1
Yes
1
2
No
3
Sysmiss
1999
MM33.6.Was the issue resolved to your satisfaction?Agent did not know how to perform the transaction
MM30.7.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM30.7.Have you ever experienced any of the following issues with any mobile money agent? Agent overcharged for the transaction or asked me to pay a deposit before they make the transaction I want
MM31.7. How many times in the past 6 months have you experienced this issue?Agen
6
1997
1
Less than 3 times
4
2
3-6 times
0
3
7-12 times
1
4
More than 12 times
1
Sysmiss
1997
MM31.7. How many times in the past 6 months have you experienced this issue?Agent overcharged for the transaction or asked me to pay a deposit before they make the transaction I want
MM32.7. Have you reported this issue to the Customer Services of the Mobile Mone
6
1997
1
Yes
0
2
No
6
Sysmiss
1997
MM32.7. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent overcharged for the transaction or asked me to pay a deposit before they make the transaction I want
MM33.7.Was the issue resolved to your satisfaction?Agent overcharged for the tra
6
1997
1
Yes
3
2
No
3
Sysmiss
1997
MM33.7.Was the issue resolved to your satisfaction?Agent overcharged for the transaction or asked me to pay a deposit before they make the transaction I want
MM30.8.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
1
2
No
452
Sysmiss
1550
MM30.8.Have you ever experienced any of the following issues with any mobile money agent? Agent did not give all the cash that was owed
MM31.8. How many times in the past 6 months have you experienced this issue?Agen
1
2002
1
Less than 3 times
1
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2002
MM31.8. How many times in the past 6 months have you experienced this issue?Agent did not give all the cash that was owed
MM32.8. Have you reported this issue to the Customer Services of the Mobile Mone
1
2002
1
Yes
0
2
No
1
Sysmiss
2002
MM32.8. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent did not give all the cash that was owed
MM33.8.Was the issue resolved to your satisfaction?Agent did not give all the ca
1
2002
1
Yes
1
2
No
0
Sysmiss
2002
MM33.8.Was the issue resolved to your satisfaction?Agent did not give all the cash that was owed
MM30.9.Have you ever experienced any of the following issues with any mobile mon
453
1550
1
Yes
2
2
No
451
Sysmiss
1550
MM30.9.Have you ever experienced any of the following issues with any mobile money agent? It was very time consuming/agent was slow
MM31.9. How many times in the past 6 months have you experienced this issue?It w
2
2001
1
Less than 3 times
2
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2001
MM31.9. How many times in the past 6 months have you experienced this issue?It was very time consuming/agent was slow
MM32.9. Have you reported this issue to the Customer Services of the Mobile Mone
2
2001
1
Yes
0
2
No
2
Sysmiss
2001
MM32.9. Have you reported this issue to the Customer Services of the Mobile Money Company?It was very time consuming/agent was slow
MM33.9.Was the issue resolved to your satisfaction?It was very time consuming/ag
2
2001
1
Yes
2
2
No
0
Sysmiss
2001
MM33.9.Was the issue resolved to your satisfaction?It was very time consuming/agent was slow
MM30.10.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
13
2
No
440
Sysmiss
1550
MM30.10.Have you ever experienced any of the following issues with any mobile money agent? I did not get a receipt, including SMS receipt
MM31.10. How many times in the past 6 months have you experienced this issue?I d
13
1990
1
Less than 3 times
8
2
3-6 times
4
3
7-12 times
1
4
More than 12 times
0
Sysmiss
1990
MM31.10. How many times in the past 6 months have you experienced this issue?I did not get a receipt, including SMS receipt
MM32.10. Have you reported this issue to the Customer Services of the Mobile Mon
13
1990
1
Yes
0
2
No
13
Sysmiss
1990
MM32.10. Have you reported this issue to the Customer Services of the Mobile Money Company?I did not get a receipt, including SMS receipt
MM33.10.Was the issue resolved to your satisfaction?I did not get a receipt, inc
13
1990
1
Yes
8
2
No
5
Sysmiss
1990
MM33.10.Was the issue resolved to your satisfaction?I did not get a receipt, including SMS receipt
MM30.11.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
4
2
No
449
Sysmiss
1550
MM30.11.Have you ever experienced any of the following issues with any mobile money agent? Agent charged me for depositing money
MM31.11. How many times in the past 6 months have you experienced this issue?Age
4
1999
1
Less than 3 times
3
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
1
Sysmiss
1999
MM31.11. How many times in the past 6 months have you experienced this issue?Agent charged me for depositing money
MM32.11. Have you reported this issue to the Customer Services of the Mobile Mon
4
1999
1
Yes
0
2
No
4
Sysmiss
1999
MM32.11. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent charged me for depositing money
MM33.11.Was the issue resolved to your satisfaction?Agent charged me for deposit
4
1999
1
Yes
4
2
No
0
Sysmiss
1999
MM33.11.Was the issue resolved to your satisfaction?Agent charged me for depositing money
MM30.12.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
3
2
No
450
Sysmiss
1550
MM30.12.Have you ever experienced any of the following issues with any mobile money agent? Agent asked for my PIN number
MM31.12. How many times in the past 6 months have you experienced this issue?Age
3
2000
1
Less than 3 times
2
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
1
Sysmiss
2000
MM31.12. How many times in the past 6 months have you experienced this issue?Agent asked for my PIN number
MM32.12. Have you reported this issue to the Customer Services of the Mobile Mon
3
2000
1
Yes
0
2
No
3
Sysmiss
2000
MM32.12. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent asked for my PIN number
MM33.12.Was the issue resolved to your satisfaction?Agent asked for my PIN numbe
3
2000
1
Yes
3
2
No
0
Sysmiss
2000
MM33.12.Was the issue resolved to your satisfaction?Agent asked for my PIN number
MM30.13.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
23
2
No
430
Sysmiss
1550
MM30.13.Have you ever experienced any of the following issues with any mobile money agent? Agent was dismissive of women
MM31.13. How many times in the past 6 months have you experienced this issue?Age
23
1980
1
Less than 3 times
8
2
3-6 times
8
3
7-12 times
3
4
More than 12 times
4
Sysmiss
1980
MM31.13. How many times in the past 6 months have you experienced this issue?Agent was dismissive of women
MM32.13. Have you reported this issue to the Customer Services of the Mobile Mon
23
1980
1
Yes
0
2
No
23
Sysmiss
1980
MM32.13. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent was dismissive of women
MM33.13.Was the issue resolved to your satisfaction?Agent was dismissive of wome
23
1980
1
Yes
20
2
No
3
Sysmiss
1980
MM33.13.Was the issue resolved to your satisfaction?Agent was dismissive of women
MM30.14.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
1
2
No
452
Sysmiss
1550
MM30.14.Have you ever experienced any of the following issues with any mobile money agent? Agent’s place was not secure/there were suspicious people at agent’s place
MM31.14. How many times in the past 6 months have you experienced this issue?Age
1
2002
1
Less than 3 times
1
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2002
MM31.14. How many times in the past 6 months have you experienced this issue?Agent’s place was not secure/there were suspicious people at agent’s place
MM32.14. Have you reported this issue to the Customer Services of the Mobile Mon
1
2002
1
Yes
0
2
No
1
Sysmiss
2002
MM32.14. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent’s place was not secure/there were suspicious people at agent’s place
MM33.14.Was the issue resolved to your satisfaction?Agent’s place was not secure
1
2002
1
Yes
1
2
No
0
Sysmiss
2002
MM33.14.Was the issue resolved to your satisfaction?Agent’s place was not secure/there were suspicious people at agent’s place
MM30.15.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
2
2
No
451
Sysmiss
1550
MM30.15.Have you ever experienced any of the following issues with any mobile money agent? Agent shared my personal/account information with other people without my knowledge/permission
MM31.15. How many times in the past 6 months have you experienced this issue?Age
2
2001
1
Less than 3 times
2
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2001
MM31.15. How many times in the past 6 months have you experienced this issue?Agent shared my personal/account information with other people without my knowledge/permission
MM32.15. Have you reported this issue to the Customer Services of the Mobile Mon
2
2001
1
Yes
1
2
No
1
Sysmiss
2001
MM32.15. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent shared my personal/account information with other people without my knowledge/permission
MM33.15.Was the issue resolved to your satisfaction?Agent shared my personal/acc
2
2001
1
Yes
2
2
No
0
Sysmiss
2001
MM33.15.Was the issue resolved to your satisfaction?Agent shared my personal/account information with other people without my knowledge/permission
MM30.16.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
0
2
No
453
Sysmiss
1550
MM30.16.Have you ever experienced any of the following issues with any mobile money agent? Agent defrauded me of money or assisted other people in scamming me
MM31.16. How many times in the past 6 months have you experienced this issue?Age
0
2003
1
Less than 3 times
0
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2003
MM31.16. How many times in the past 6 months have you experienced this issue?Agent defrauded me of money or assisted other people in scamming me
MM32.16. Have you reported this issue to the Customer Services of the Mobile Mon
0
2003
1
Yes
0
2
No
0
Sysmiss
2003
MM32.16. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent defrauded me of money or assisted other people in scamming me
MM33.16.Was the issue resolved to your satisfaction?Agent defrauded me of money
0
2003
1
Yes
0
2
No
0
Sysmiss
2003
MM33.16.Was the issue resolved to your satisfaction?Agent defrauded me of money or assisted other people in scamming me
MM30.17.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
1
2
No
452
Sysmiss
1550
MM30.17.Have you ever experienced any of the following issues with any mobile money agent? I had money stolen from me on the way to/from the agent
MM31.17. How many times in the past 6 months have you experienced this issue?I h
1
2002
1
Less than 3 times
1
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2002
MM31.17. How many times in the past 6 months have you experienced this issue?I had money stolen from me on the way to/from the agent
MM32.17. Have you reported this issue to the Customer Services of the Mobile Mon
1
2002
1
Yes
0
2
No
1
Sysmiss
2002
MM32.17. Have you reported this issue to the Customer Services of the Mobile Money Company?I had money stolen from me on the way to/from the agent
MM33.17.Was the issue resolved to your satisfaction?I had money stolen from me o
1
2002
1
Yes
1
2
No
0
Sysmiss
2002
MM33.17.Was the issue resolved to your satisfaction?I had money stolen from me on the way to/from the agent
MM30.18.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM30.18.Have you ever experienced any of the following issues with any mobile money agent? Agent’s place was inconvenient, e.g., very noisy, dirty, too close to the road, etc.
MM31.18. How many times in the past 6 months have you experienced this issue?Age
6
1997
1
Less than 3 times
3
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
3
Sysmiss
1997
MM31.18. How many times in the past 6 months have you experienced this issue?Agent’s place was inconvenient, e.g., very noisy, dirty, too close to the road, etc.
MM32.18. Have you reported this issue to the Customer Services of the Mobile Mon
6
1997
1
Yes
0
2
No
6
Sysmiss
1997
MM32.18. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent’s place was inconvenient, e.g., very noisy, dirty, too close to the road, etc.
MM33.18.Was the issue resolved to your satisfaction?Agent’s place was inconvenie
6
1997
1
Yes
4
2
No
2
Sysmiss
1997
MM33.18.Was the issue resolved to your satisfaction?Agent’s place was inconvenient, e.g., very noisy, dirty, too close to the road, etc.
MM30.19.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
4
2
No
449
Sysmiss
1550
MM30.19.Have you ever experienced any of the following issues with any mobile money agent? Agent’s place was difficult to find, e.g., no signage, hidden from sight, etc.
MM31.19. How many times in the past 6 months have you experienced this issue?Age
4
1999
1
Less than 3 times
3
2
3-6 times
1
3
7-12 times
0
4
More than 12 times
0
Sysmiss
1999
MM31.19. How many times in the past 6 months have you experienced this issue?Agent’s place was difficult to find, e.g., no signage, hidden from sight, etc.
MM32.19. Have you reported this issue to the Customer Services of the Mobile Mon
4
1999
1
Yes
0
2
No
4
Sysmiss
1999
MM32.19. Have you reported this issue to the Customer Services of the Mobile Money Company?Agent’s place was difficult to find, e.g., no signage, hidden from sight, etc.
MM33.19.Was the issue resolved to your satisfaction?Agent’s place was difficult
4
1999
1
Yes
3
2
No
1
Sysmiss
1999
MM33.19.Was the issue resolved to your satisfaction?Agent’s place was difficult to find, e.g., no signage, hidden from sight, etc.
MM30.20.Have you ever experienced any of the following issues with any mobile mo
453
1550
1
Yes
5
2
No
448
Sysmiss
1550
MM30.20.Have you ever experienced any of the following issues with any mobile money agent? Other (Specify)
MM31.20. How many times in the past 6 months have you experienced this issue?Oth
5
1998
1
Less than 3 times
4
2
3-6 times
1
3
7-12 times
0
4
More than 12 times
0
Sysmiss
1998
MM31.20. How many times in the past 6 months have you experienced this issue?Other (Specify)
MM32.20. Have you reported this issue to the Customer Services of the Mobile Mon
5
1998
1
Yes
2
2
No
3
Sysmiss
1998
MM32.20. Have you reported this issue to the Customer Services of the Mobile Money Company?Other (Specify)
MM33.20.Was the issue resolved to your satisfaction?Other (Specify)
5
1998
1
Yes
2
2
No
3
Sysmiss
1998
MM34.1.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
22
2
No
431
Sysmiss
1550
MM34.1.Have you ever experienced any of the following issues when making mobile money transactions without agents?My registration has taken long (more than a day) to get approved
MM35.1.How many times in the past 6 months have you experienced this issue?My re
22
1981
1
Less than 3 times
17
2
3-6 times
4
3
7-12 times
0
4
More than 12 times
1
Sysmiss
1981
MM35.1.How many times in the past 6 months have you experienced this issue?My registration has taken long (more than a day) to get approved
MM34.2.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
69
2
No
384
Sysmiss
1550
MM34.2.Have you ever experienced any of the following issues when making mobile money transactions without agents?The service was not available for technical reasons (GSM or mobile network was down)
MM35.2.How many times in the past 6 months have you experienced this issue?The s
69
1934
1
Less than 3 times
42
2
3-6 times
22
3
7-12 times
3
4
More than 12 times
2
Sysmiss
1934
MM35.2.How many times in the past 6 months have you experienced this issue?The service was not available for technical reasons (GSM or mobile network was down)
MM34.3.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
24
2
No
429
Sysmiss
1550
MM34.3.Have you ever experienced any of the following issues when making mobile money transactions without agents?The service was interrupted during a transaction and I could not finish the transaction
MM35.3.How many times in the past 6 months have you experienced this issue?The s
24
1979
1
Less than 3 times
15
2
3-6 times
7
3
7-12 times
1
4
More than 12 times
1
Sysmiss
1979
MM35.3.How many times in the past 6 months have you experienced this issue?The service was interrupted during a transaction and I could not finish the transaction
MM34.4.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
6
2
No
447
Sysmiss
1550
MM34.4.Have you ever experienced any of the following issues when making mobile money transactions without agents?I sent money to a wrong number could not get it back
MM35.4.How many times in the past 6 months have you experienced this issue?I sen
6
1997
1
Less than 3 times
6
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
1997
MM35.4.How many times in the past 6 months have you experienced this issue?I sent money to a wrong number could not get it back
MM34.5.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
11
2
No
442
Sysmiss
1550
MM34.5.Have you ever experienced any of the following issues when making mobile money transactions without agents?I never received an SMS receipt for my transaction
MM35.5.How many times in the past 6 months have you experienced this issue?I nev
11
1992
1
Less than 3 times
6
2
3-6 times
4
3
7-12 times
1
4
More than 12 times
0
Sysmiss
1992
MM35.5.How many times in the past 6 months have you experienced this issue?I never received an SMS receipt for my transaction
MM34.6.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
17
2
No
436
Sysmiss
1550
MM34.6.Have you ever experienced any of the following issues when making mobile money transactions without agents?I could not access my account when I wanted to
MM35.6.How many times in the past 6 months have you experienced this issue?I cou
17
1986
1
Less than 3 times
11
2
3-6 times
3
3
7-12 times
1
4
More than 12 times
2
Sysmiss
1986
MM35.6.How many times in the past 6 months have you experienced this issue?I could not access my account when I wanted to
MM34.7.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
9
2
No
444
Sysmiss
1550
MM34.7.Have you ever experienced any of the following issues when making mobile money transactions without agents?I could not withdraw money from my account when I wanted to
MM35.7.How many times in the past 6 months have you experienced this issue?I cou
9
1994
1
Less than 3 times
9
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
1994
MM35.7.How many times in the past 6 months have you experienced this issue?I could not withdraw money from my account when I wanted to
MM34.8.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
5
2
No
448
Sysmiss
1550
MM34.8.Have you ever experienced any of the following issues when making mobile money transactions without agents?Money disappeared from my account/I had fraudulent transactions on my account
MM35.8.How many times in the past 6 months have you experienced this issue?Money
5
1998
1
Less than 3 times
5
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
1998
MM35.8.How many times in the past 6 months have you experienced this issue?Money disappeared from my account/I had fraudulent transactions on my account
MM34.9.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
8
2
No
445
Sysmiss
1550
MM34.9.Have you ever experienced any of the following issues when making mobile money transactions without agents?I did not have sufficient funds to complete a transaction
MM35.9.How many times in the past 6 months have you experienced this issue?I did
8
1995
1
Less than 3 times
4
2
3-6 times
3
3
7-12 times
1
4
More than 12 times
0
Sysmiss
1995
MM35.9.How many times in the past 6 months have you experienced this issue?I did not have sufficient funds to complete a transaction
MM34.10.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
18
2
No
435
Sysmiss
1550
MM34.10.Have you ever experienced any of the following issues when making mobile money transactions without agents?I forgot my PIN number
MM35.10.How many times in the past 6 months have you experienced this issue?I fo
18
1985
1
Less than 3 times
15
2
3-6 times
2
3
7-12 times
0
4
More than 12 times
1
Sysmiss
1985
MM35.10.How many times in the past 6 months have you experienced this issue?I forgot my PIN number
MM34.11.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
4
2
No
449
Sysmiss
1550
MM34.11.Have you ever experienced any of the following issues when making mobile money transactions without agents?I lost money due to someone defrauding me through a phone call
MM35.11.How many times in the past 6 months have you experienced this issue?I lo
4
1999
1
Less than 3 times
3
2
3-6 times
1
3
7-12 times
0
4
More than 12 times
0
Sysmiss
1999
MM35.11.How many times in the past 6 months have you experienced this issue?I lost money due to someone defrauding me through a phone call
MM34.12.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
0
2
No
453
Sysmiss
1550
MM34.12.Have you ever experienced any of the following issues when making mobile money transactions without agents?I lost money due to someone defrauding me through SMS
MM35.12.How many times in the past 6 months have you experienced this issue?I lo
0
2003
1
Less than 3 times
0
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2003
MM35.12.How many times in the past 6 months have you experienced this issue?I lost money due to someone defrauding me through SMS
MM34.13.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
0
2
No
453
Sysmiss
1550
MM34.13.Have you ever experienced any of the following issues when making mobile money transactions without agents?I lost money due to someone obtaining my personal or account information
MM35.13.How many times in the past 6 months have you experienced this issue?I lo
0
2003
1
Less than 3 times
0
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2003
MM35.13.How many times in the past 6 months have you experienced this issue?I lost money due to someone obtaining my personal or account information
MM34.14.Have you ever experienced any of the following issues when making mobile
453
1550
1
Yes
4
2
No
449
Sysmiss
1550
MM34.14.Have you ever experienced any of the following issues when making mobile money transactions without agents?Other (Specify)
MM35.14.How many times in the past 6 months have you experienced this issue?Othe
4
1999
1
Less than 3 times
2
2
3-6 times
1
3
7-12 times
1
4
More than 12 times
0
Sysmiss
1999
MM35.14.How many times in the past 6 months have you experienced this issue?Other (Specify)
MM36.Please, tell me about your most recent transaction with this agent in the p
Please, tell me about your most recent transactionwith this agent in the past 6 months.
Please, tell me which provider did you use for your most recent transaction?
453
1550
1
MTN Mobile Money
221
2
Airtel Money
17
3
Tigo Cash
210
4
Other(specify)
5
Sysmiss
1550
MM36.Please, tell me about your most recent transaction with this agent in the past 6 months. Which provider did you use for your most recent transaction?
MM36a. Please, tell me about your most recent transaction, either deposit or wit
Please, tell me about your most recent transactionwith this agent in the past 6 months.
What was the date of the financial activity?
453
1550
12009
1
12011
2
12012
1
12013
1
12014
17
12015
22
22013
1
22014
3
32013
2
32014
3
42014
2
52014
10
62014
8
72013
2
72014
16
72015
1
82013
1
82014
18
92014
20
92015
1
102014
43
112011
1
112013
1
112014
89
112015
1
122010
1
122012
1
122013
3
122014
142
999999
DK/Refused
39
Sysmiss
1550
MM36a. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. What was the date of the financial activity?(mm/yyyy)
MM37.Please, tell me about your most recent transaction, either deposit or withd
Please, tell me about your most recent transactionwith this agent in the past 6 months.
What type of transactions was it (i.e., sending money, depositing, withdrawing, airtime top ups, etc.)?
453
0
AIRTIME
3
MONEY TRANSFER
1
NO RESPONSE
37
RECEIVING
1
SENDING
31
TIGO CASH
1
TO BUY AIRTIME
7
TO BUY CASH POWER (ELECTRICITY)
1
TO BUY ELECTRICITY
1
TO BUY UNITS
1
TO DEPOSIT
29
TO PAY ELECTRICITY BILL
1
TO RECEIVE
2
TO SAVE
28
TO SEND
1
TO TOP UP
1
TO TRANSFER
22
TO WITHDRAW
285
MM37.Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. What type of transactions was it(i.e.,sending money,depositing, withdrawing,airtime top ups,etc.)?
MM38. Please, tell me about your most recent transaction, either deposit or with
Please, tell me about your most recent transactionwith this agent in the past 6 months.
How long did it take you to get to the agent? (minutes)
453
1550
1
7
2
18
3
29
4
7
5
84
6
1
7
6
8
4
10
65
12
3
15
48
20
25
25
3
30
38
35
1
40
11
45
4
50
3
60
21
80
4
90
10
110
1
120
8
160
1
180
5
999
DK/Refused
46
Sysmiss
1550
MM38. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. How long did it take you to get to the agent?(Minutes)
MM39. Please, tell me about your most recent transaction, either deposit or with
Please, tell me about your most recent transactionwith this agent in the past 6 months.
How much, if anything, did you have to pay in transportation costs?
453
1550
-9999
DK/Refused
36
0
345
30
1
80
1
100
3
150
1
200
16
300
15
400
2
500
4
600
1
700
3
1000
7
1500
9
2000
7
5000
1
12000
1
Sysmiss
1550
MM39. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. How much, if anything, did you have to pay in transportation costs(RWF)?
MM40. Please, tell me about your most recent transaction, either deposit or with
Please, tell me about your most recent transactionwith this agent in the past 6 months.
What was the amount of your transaction?
453
1550
-9999
DK/Refused
43
100
1
200
5
250
1
300
2
500
7
600
3
650
1
1000
11
1200
1
1300
1
1500
4
2000
28
2150
1
2500
3
2800
2
3000
21
3200
1
3400
2
3500
1
3800
1
4000
8
4200
1
4300
1
4500
2
4700
1
4800
2
5000
66
5250
1
5450
1
5500
1
5800
1
6000
15
6800
1
7000
12
7400
1
7500
3
8000
8
9000
3
9500
1
9700
1
10000
56
10300
1
10500
1
11000
4
12000
7
12700
1
12800
1
13000
3
14000
3
15000
23
16000
6
17000
2
18000
1
19000
1
20000
22
22000
2
24500
1
25000
5
27000
2
30000
8
32000
1
33000
1
35000
4
37000
2
40000
4
41000
2
45000
2
49000
1
50000
5
56000
1
60000
1
62000
1
80000
1
86000
1
95000
1
100000
3
150000
2
Sysmiss
1550
MM40. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months.What was the amount of your transaction?(RWF)
MM41. Please, tell me about your most recent transaction, either deposit or with
Please, tell me about your most recent transactionwith this agent in the past 6 months.
How long did the transaction take, including standing in the queue?
453
1550
1
19
2
68
3
53
4
14
5
108
6
5
7
6
8
6
10
59
11
1
12
1
13
2
14
1
15
18
17
1
20
12
25
3
30
9
35
1
40
6
45
1
50
1
60
2
70
2
90
1
120
3
150
1
190
1
999
DK/Refused
48
Sysmiss
1550
MM41. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. How long did the transaction take, including standing in the queue?(minutes)
MM42. Please, tell me about your most recent transaction, either deposit or with
Please, tell me about your most recent transactionwith this agent in the past 6 months.
How much did you have to pay for the transaction?
453
1550
-9999
DK/Refused
37
0
119
10
1
20
1
55
1
100
10
140
1
150
5
200
68
250
77
260
1
270
1
275
2
280
1
300
48
350
14
370
1
400
10
450
3
500
12
550
6
600
13
640
1
700
1
750
3
800
1
1000
9
1050
1
1500
1
2000
2
2500
1
2700
1
Sysmiss
1550
MM42. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. How much did you have to pay for the transaction?(RWF)
MM43. Please, tell me about your most recent transaction, either deposit or with
Please, tell me about your most recent transactionwith this agent in the past 6 months.
Did the agent/teller charged you extra fees beyond official fees for the transaction?
453
1550
1
Yes
13
2
No
404
3
DK/Refused
36
Sysmiss
1550
MM43. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. Did the agent/teller charged you extra fees beyond official fees for the transaction?
MM44. Please, tell me about your most recent transaction, either deposit or with
Please, tell me about your most recent transactionwith this agent in the past 6 months.
Were you able to complete the transaction?
453
1550
1
Yes
437
2
No
16
Sysmiss
1550
MM44. Please, tell me about your most recent transaction, either deposit or withdrawal, with this agent in the past 6 months. Were you able to complete the transaction?
16
1987
1
Yes
0
2
No
16
Sysmiss
1987
16
1987
1
Yes
2
2
No
14
Sysmiss
1987
16
1987
1
Yes
0
2
No
16
Sysmiss
1987
16
1987
1
Yes
0
2
No
16
Sysmiss
1987
16
1987
1
Yes
1
2
No
15
Sysmiss
1987
16
1987
1
Yes
0
2
No
16
Sysmiss
1987
16
1987
1
Yes
0
2
No
16
Sysmiss
1987
16
1987
1
Yes
1
2
No
15
Sysmiss
1987
16
1987
1
Yes
12
2
No
4
Sysmiss
1987
MM46.When an m-money transaction goes wrong, who do you go to to help you resolv
When a mobile money transaction goes wrong, who are you most likely to go for help?
453
1550
1
Resolve it myself
76
2
Friends or family
27
3
Mobile money agent
246
4
Customer hotline/helpline
8
5
Mobile Money provider office
76
6
Other financial institution office
3
7
Government agency or a local official
2
8
Other
15
Sysmiss
1550
MM46.When an m-money transaction goes wrong, who do you go to to help you resolve the problem?
SFC1.On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice o
On a scale from 1(Extremely bad) to 10 (Extremely good), rate the choice of financial options that was available to you before you had access to a bank account.
348
1655
1
Extremely bad
59
2
116
3
73
4
39
5
37
6
6
7
7
8
6
10
Extremely good
5
Sysmiss
1655
SFC1.On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice of financial options that was available to you before you had access to a bank account.
SFC2.On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice o
On a scale from 1(Extremely bad) to 10 (Extremely good), rate the choice of financial options that is available to you now after you gained access to a bank account.
348
1655
1
Extremely bad
8
2
2
3
7
4
5
5
23
6
25
7
38
8
143
9
46
10
Extremely good
51
Sysmiss
1655
SFC2.On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice of financial options that is available to you now after you gained access to a bank account.
SFC3.On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice o
On a scale from 1(Extremely bad) to 10 (Extremely good), rate the choice of financial options that was available to you before you started using a mobile money service.
453
1550
1
Extremely bad
78
2
112
3
85
4
79
5
64
6
13
7
8
8
11
10
Extremely good
3
Sysmiss
1550
SFC3.On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice of financial options that was available to you before you started using a mobile money service.
SFC4.On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice o
On a scale from 1(Extremely bad) to 10 (Extremely good), rate the choice of financial options that are available to you now after you started using a mobile money service.
453
1550
1
Extremely bad
3
2
2
3
4
5
29
6
21
7
54
8
119
9
98
10
Extremely good
123
Sysmiss
1550
SFC4.On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice of financial options that are available to you now after you started using a mobile money service.
IFI1.1. Have you ever used any of the following? Microfinance institution
2003
0
1
Yes
56
2
No
1947
IFI2.1. Apart from today when was the last time you used this financial service
56
1947
1
Yesterday
3
2
In the past 7 days
8
3
In the past 30 days
12
4
In the past 90 days
8
5
More than 90 days ago
11
6
Stopped using altogether
14
Sysmiss
1947
IFI2.1. Apart from today when was the last time you used this financial service for any financial activity? Microfinance institution
IFI3.1. Do you have an account/membership in your name with any of the following
2003
0
1
Yes
42
2
No
1961
IFI3.1. Do you have an account/membership in your name with any of the following? Microfinance institution
IFI4.1 .Apart from today, when was the last time you used the account/membership
42
1961
1
Yesterday
3
2
In the past 7 days
5
3
In the past 30 days
16
4
In the past 90 days
5
5
More than 90 days ago
9
6
Stopped using altogether
4
Sysmiss
1961
IFI4.1 .Apart from today, when was the last time you used the account/membership that is in your name for this service? Microfinance institution
IFI1.2. Have you ever used any of the following? Non-umurenge SACCO
2003
0
1
Yes
40
2
No
1963
IFI2.2. Apart from today when was the last time you used this financial service
40
1963
1
Yesterday
2
2
In the past 7 days
10
3
In the past 30 days
17
4
In the past 90 days
2
5
More than 90 days ago
5
6
Stopped using altogether
4
Sysmiss
1963
IFI2.2. Apart from today when was the last time you used this financial service for any financial activity? Non-umurenge SACCO
IFI3.2. Do you have an account/membership in your name with any of the following
2003
0
1
Yes
45
2
No
1958
IFI3.2. Do you have an account/membership in your name with any of the following? Non-umurenge SACCO
IFI4.2 .Apart from today, when was the last time you used the account/membership
45
1958
1
Yesterday
1
2
In the past 7 days
10
3
In the past 30 days
24
4
In the past 90 days
4
5
More than 90 days ago
4
6
Stopped using altogether
2
Sysmiss
1958
IFI4.2 .Apart from today, when was the last time you used the account/membership that is in your name for this service? Non-umurenge SACCO
IFI1.3. Have you ever used any of the following? Umurenge SACCO
2003
0
1
Yes
432
2
No
1571
IFI2.3. Apart from today when was the last time you used this financial service
432
1571
1
Yesterday
16
2
In the past 7 days
49
3
In the past 30 days
125
4
In the past 90 days
65
5
More than 90 days ago
133
6
Stopped using altogether
44
Sysmiss
1571
IFI2.3. Apart from today when was the last time you used this financial service for any financial activity? Umurenge SACCO
IFI3.3. Do you have an account/membership in your name with any of the following
2003
0
1
Yes
336
2
No
1667
IFI3.3. Do you have an account/membership in your name with any of the following? Umurenge SACCO
IFI4.3 .Apart from today, when was the last time you used the account/membership
336
1667
1
Yesterday
15
2
In the past 7 days
32
3
In the past 30 days
106
4
In the past 90 days
47
5
More than 90 days ago
101
6
Stopped using altogether
35
Sysmiss
1667
IFI4.3 .Apart from today, when was the last time you used the account/membership that is in your name for this service? Umurenge SACCO
IFI1.4. Have you ever used any of the following? Cooperatives, VSLA, Tontine, ik
2003
0
1
Yes
523
2
No
1480
IFI1.4. Have you ever used any of the following? Cooperatives, VSLA, Tontine, ikibina
IFI2.4. Apart from today when was the last time you used this financial service
523
1480
1
Yesterday
44
2
In the past 7 days
207
3
In the past 30 days
157
4
In the past 90 days
21
5
More than 90 days ago
38
6
Stopped using altogether
56
Sysmiss
1480
IFI2.4. Apart from today when was the last time you used this financial service for any financial activity? Cooperatives, VSLA, Tontine, ikibina
IFI1.5. Have you ever used any of the following? A money guard/ someone in workp
2003
0
1
Yes
32
2
No
1971
IFI1.5. Have you ever used any of the following? A money guard/ someone in workplace or neighborhood that collects and keeps savings deposits on a regular basis
IFI2.5. Apart from today when was the last time you used this financial service
32
1971
1
Yesterday
4
2
In the past 7 days
13
3
In the past 30 days
12
4
In the past 90 days
2
5
More than 90 days ago
0
6
Stopped using altogether
1
Sysmiss
1971
IFI2.5. Apart from today when was the last time you used this financial service for any financial activity? A money guard/ someone in workplace or neighborhood that collects and keeps savings deposits on a regular basis
IFI1.6. Have you ever used any of the following? Savings collectors
2003
0
1
Yes
9
2
No
1994
IFI2.6. Apart from today when was the last time you used this financial service
9
1994
1
Yesterday
0
2
In the past 7 days
3
3
In the past 30 days
2
4
In the past 90 days
2
5
More than 90 days ago
0
6
Stopped using altogether
2
Sysmiss
1994
IFI2.6. Apart from today when was the last time you used this financial service for any financial activity? Savings collectors
IFI1.7. Have you ever used any of the following?Borrowing from/saving with famil
2003
0
1
Yes
5
2
No
1998
IFI1.7. Have you ever used any of the following?Borrowing from/saving with family members
IFI2.7. Apart from today when was the last time you used this financial service
5
1998
1
Yesterday
0
2
In the past 7 days
3
3
In the past 30 days
0
4
In the past 90 days
1
5
More than 90 days ago
0
6
Stopped using altogether
1
Sysmiss
1998
IFI2.7. Apart from today when was the last time you used this financial service for any financial activity?Borrowing from/saving with family members
IFI1.8. Have you ever used any of the following?A digital card, a recharge card
2003
0
1
Yes
2
2
No
2001
IFI1.8. Have you ever used any of the following?A digital card, a recharge card that is not attached to a bank or MFI account
IFI2.8. Apart from today when was the last time you used this financial service
2
2001
1
Yesterday
0
2
In the past 7 days
0
3
In the past 30 days
0
4
In the past 90 days
0
5
More than 90 days ago
1
6
Stopped using altogether
1
Sysmiss
2001
IFI2.8. Apart from today when was the last time you used this financial service for any financial activity?A digital card, a recharge card that is not attached to a bank or MFI account
IFI1.9. Have you ever used any of the following?Other financial service(specify)
2003
0
1
Yes
0
2
No
2003
IFI2.9. Apart from today when was the last time you used this financial service
0
2003
1
Yesterday
0
2
In the past 7 days
0
3
In the past 30 days
0
4
In the past 90 days
0
5
More than 90 days ago
0
6
Stopped using altogether
0
Sysmiss
2003
IFI2.9. Apart from today when was the last time you used this financial service for any financial activity?Other financial service(specify)
IFI5.1. Which of the following services does your…offer? Microfinance institutio
56
1947
1
48
2
Only loans and no other services
4
3
Only savings and no other services
2
4
Only insurance and no other services
0
5
None of the above
2
Sysmiss
1947
IFI5.1. Which of the following services does your…offer? Microfinance institution
IFI5.2. Which of the following services does your…offer?Non-umurenge SAACO
40
1963
1
33
2
Only loans and no other services
2
3
Only savings and no other services
3
4
Only insurance and no other services
0
5
None of the above
2
Sysmiss
1963
IFI5.3. Which of the following services does your…offer? Umurenge SACCO
432
1571
1
376
2
Only loans and no other services
29
3
Only savings and no other services
12
4
Only insurance and no other services
0
5
None of the above
15
Sysmiss
1571
IFI6.1.Does the following statement apply to an MFI account that you use, regist
56
1947
1
Yes
9
2
No
36
3
DK/Refused
11
Sysmiss
1947
IFI6.1.Does the following statement apply to an MFI account that you use, registered or not?The institution offers a debit/ATM card or a credit card with this account
IFI6.2.Does the following statement apply to an MFI account that you use, regist
56
1947
1
Yes
6
2
No
33
3
DK/Refused
17
Sysmiss
1947
IFI6.2.Does the following statement apply to an MFI account that you use, registered or not?You can access your account and make transactions using either a mobile phone application or internet/bank’s website
IFI6.3.Does the following statement apply to an MFI account that you use, regist
56
1947
1
Yes
22
2
No
26
3
DK/Refused
8
Sysmiss
1947
IFI6.3.Does the following statement apply to an MFI account that you use, registered or not?You can transfer money to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers to/from other banks/mobile money
IFI7.1.Does the following statement apply to a Non-umurenge SACCO account that y
40
1963
1
Yes
1
2
No
33
3
DK/Refused
6
Sysmiss
1963
IFI7.1.Does the following statement apply to a Non-umurenge SACCO account that you use, registered or not?The institution offers a debit/ATM card or a credit card with this account
IFI7.2.Does the following statement apply to a Non-umurenge SACCO account that y
40
1963
1
Yes
5
2
No
28
3
DK/Refused
7
Sysmiss
1963
IFI7.2.Does the following statement apply to a Non-umurenge SACCO account that you use, registered or not?You can access your account and make transactions using either a mobile phone application or internet/bank’s website
IFI7.3.Does the following statement apply to a Non-umurenge SACCO account that y
40
1963
1
Yes
13
2
No
20
3
DK/Refused
7
Sysmiss
1963
IFI7.3.Does the following statement apply to a Non-umurenge SACCO account that you use, registered or not?You can transfer money to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers to/from other bank
IFI8.1.Does the following statement apply to an Umurenge SACCO account that you
432
1571
1
Yes
7
2
No
319
3
DK/Refused
106
Sysmiss
1571
IFI8.1.Does the following statement apply to an Umurenge SACCO account that you use, registered or not?The institution offers a debit/ATM card or a credit card with this account
IFI8.2.Does the following statement apply to an Umurenge SACCO account that you
432
1571
1
Yes
13
2
No
272
3
DK/Refused
147
Sysmiss
1571
IFI8.2.Does the following statement apply to an Umurenge SACCO account that you use, registered or not?You can access your account and make transactions using either a mobile phone application or internet/bank’s website
IFI8.3.Does the following statement apply to an Umurenge SACCO account that you
432
1571
1
Yes
104
2
No
213
3
DK/Refused
115
Sysmiss
1571
IFI8.3.Does the following statement apply to an Umurenge SACCO account that you use, registered or not?You can transfer money to/from this account without using cash (make a direct deposit, automatic payments or withdrawals, transfers to/from other banks/m
IFI10.1.Have you ever used your MFI account for the following? Basic transaction
56
1947
1
Yes
48
2
No
8
Sysmiss
1947
IFI10.1.Have you ever used your MFI account for the following? Basic transactions: deposit or withdraw money, buy airtime
IFI10.2.Have you ever used your MFI account for the following? Send or receive r
56
1947
1
Yes
18
2
No
38
Sysmiss
1947
IFI10.2.Have you ever used your MFI account for the following? Send or receive remittances to/from other people
IFI10.3.Have you ever used your MFI account for the following? Make payments to
56
1947
1
Yes
9
2
No
47
Sysmiss
1947
IFI10.3.Have you ever used your MFI account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, refugee payments, etc.
IFI10.4.Have you ever used your MFI account for the following? Save/store money
56
1947
1
Yes
27
2
No
29
Sysmiss
1947
IFI10.5.Have you ever used your MFI account for the following? Buy insurance, ma
56
1947
1
Yes
6
2
No
50
Sysmiss
1947
IFI10.5.Have you ever used your MFI account for the following? Buy insurance, make payments, receive claims on insurance
IFI10.6.Have you ever used your MFI account for the following? Take loans, borro
56
1947
1
Yes
13
2
No
43
Sysmiss
1947
IFI10.6.Have you ever used your MFI account for the following? Take loans, borrow money
IFI10.7.Have you ever used your MFI account for the following? Make investments
56
1947
1
Yes
4
2
No
52
Sysmiss
1947
IFI10.8.Have you ever used your MFI account for the following? Pay for groceries
56
1947
1
Yes
3
2
No
53
Sysmiss
1947
IFI10.8.Have you ever used your MFI account for the following? Pay for groceries, clothes, etc.
IFI10.9.Have you ever used your MFI account for the following? Make business tra
56
1947
1
Yes
2
2
No
54
Sysmiss
1947
IFI10.9.Have you ever used your MFI account for the following? Make business transactions
IFI10.10.Have you ever used your MFI account for the following? Transfer money b
56
1947
1
Yes
0
2
No
56
Sysmiss
1947
IFI10.10.Have you ever used your MFI account for the following? Transfer money between an account at this institution and your bank account
IFI10.11.Have you ever used your MFI account for the following? Transfer money b
56
1947
1
Yes
0
2
No
56
Sysmiss
1947
IFI10.11.Have you ever used your MFI account for the following? Transfer money between an account at this institution and your mobile money account
IFI11.1.Have you ever used your Non-umurgence SACCO account for the following? B
40
1963
1
Yes
32
2
No
8
Sysmiss
1963
IFI11.1.Have you ever used your Non-umurgence SACCO account for the following? Basic transactions: deposit or withdraw money, buy airtime
IFI11.2.Have you ever used your Non-umurgence SACCO account for the following? S
40
1963
1
Yes
8
2
No
32
Sysmiss
1963
IFI11.2.Have you ever used your Non-umurgence SACCO account for the following? Send or receive remittances to/from other people
IFI11.3.Have you ever used your Non-umurgence SACCO account for the following? M
40
1963
1
Yes
17
2
No
23
Sysmiss
1963
IFI11.3.Have you ever used your Non-umurgence SACCO account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, refugee payments, etc.
IFI11.4.Have you ever used your Non-umurgence SACCO account for the following? S
40
1963
1
Yes
16
2
No
24
Sysmiss
1963
IFI11.4.Have you ever used your Non-umurgence SACCO account for the following? Save/store money
IFI11.5.Have you ever used your Non-umurgence SACCO account for the following? B
40
1963
1
Yes
6
2
No
34
Sysmiss
1963
IFI11.5.Have you ever used your Non-umurgence SACCO account for the following? Buy insurance, make payments, receive claims on insurance
IFI11.6.Have you ever used your Non-umurgence SACCO account for the following? T
40
1963
1
Yes
10
2
No
30
Sysmiss
1963
IFI11.6.Have you ever used your Non-umurgence SACCO account for the following? Take loans, borrow money
IFI11.7.Have you ever used your Non-umurgence SACCO account for the following? M
40
1963
1
Yes
1
2
No
39
Sysmiss
1963
IFI11.7.Have you ever used your Non-umurgence SACCO account for the following? Make investments
IFI11.8.Have you ever used your Non-umurgence SACCO account for the following? P
40
1963
1
Yes
0
2
No
40
Sysmiss
1963
IFI11.8.Have you ever used your Non-umurgence SACCO account for the following? Pay for groceries, clothes, etc.
IFI11.9.Have you ever used your Non-umurgence SACCO account for the following? M
40
1963
1
Yes
0
2
No
40
Sysmiss
1963
IFI11.9.Have you ever used your Non-umurgence SACCO account for the following? Make business transactions
IFI11.10.Have you ever used your Non-umurgence SACCO account for the following?
40
1963
1
Yes
0
2
No
40
Sysmiss
1963
IFI11.10.Have you ever used your Non-umurgence SACCO account for the following? Transfer money between an account at this institution and your bank account
IFI11.11.Have you ever used your Non-umurgence SACCO account for the following?
40
1963
1
Yes
0
2
No
40
Sysmiss
1963
IFI11.11.Have you ever used your Non-umurgence SACCO account for the following? Transfer money between an account at this institution and your mobile money account
IFI12.1.Have you ever used your Umurgence SACCO account for the following? Basic
432
1571
1
Yes
344
2
No
88
Sysmiss
1571
IFI12.1.Have you ever used your Umurgence SACCO account for the following? Basic transactions: deposit or withdraw money, buy airtime
IFI12.2.Have you ever used your Umurgence SACCO account for the following? Send
432
1571
1
Yes
106
2
No
326
Sysmiss
1571
IFI12.2.Have you ever used your Umurgence SACCO account for the following? Send or receive remittances to/from other people
IFI12.3.Have you ever used your Umurgence SACCO account for the following? Make
432
1571
1
Yes
67
2
No
365
Sysmiss
1571
IFI12.3.Have you ever used your Umurgence SACCO account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, refugee payments, etc.
IFI12.4.Have you ever used your Umurgence SACCO account for the following? Save/
432
1571
1
Yes
197
2
No
235
Sysmiss
1571
IFI12.4.Have you ever used your Umurgence SACCO account for the following? Save/store money
IFI12.5.Have you ever used your Umurgence SACCO account for the following? Buy i
432
1571
1
Yes
26
2
No
406
Sysmiss
1571
IFI12.5.Have you ever used your Umurgence SACCO account for the following? Buy insurance, make payments, receive claims on insurance
IFI12.6.Have you ever used your Umurgence SACCO account for the following? Take
432
1571
1
Yes
51
2
No
381
Sysmiss
1571
IFI12.6.Have you ever used your Umurgence SACCO account for the following? Take loans, borrow money
IFI12.7.Have you ever used your Umurgence SACCO account for the following? Make
432
1571
1
Yes
6
2
No
426
Sysmiss
1571
IFI12.7.Have you ever used your Umurgence SACCO account for the following? Make investments
IFI12.8.Have you ever used your Umurgence SACCO account for the following? Pay f
432
1571
1
Yes
3
2
No
429
Sysmiss
1571
IFI12.8.Have you ever used your Umurgence SACCO account for the following? Pay for groceries, clothes, etc.
IFI12.9.Have you ever used your Umurgence SACCO account for the following? Make
432
1571
1
Yes
2
2
No
430
Sysmiss
1571
IFI12.9.Have you ever used your Umurgence SACCO account for the following? Make business transactions
IFI12.10.Have you ever used your Umurgence SACCO account for the following? Tran
432
1571
1
Yes
1
2
No
431
Sysmiss
1571
IFI12.10.Have you ever used your Umurgence SACCO account for the following? Transfer money between an account at this institution and your bank account
IFI12.11.Have you ever used your Umurgence SACCO account for the following? Tran
432
1571
1
Yes
1
2
No
431
Sysmiss
1571
IFI12.11.Have you ever used your Umurgence SACCO account for the following? Transfer money between an account at this institution and your mobile money account
IFI14.1.How far is the closest ____ from the place where you live? Microfinance
2003
0
1
0.5 km or less
31
2
More than 0.5 km to 1 km
61
3
More than 1 km to 5 km
165
4
More than 5 km to 10 km
74
5
More than 10 km to 15 km
49
6
More than 15 km
52
7
DK/Refused
1571
IFI14.1.How far is the closest ____ from the place where you live? Microfinance institution
IFI14.2.How far is the closest ____ from the place where you live? Non-Umurenge
2003
0
1
0.5 km or less
32
2
More than 0.5 km to 1 km
63
3
More than 1 km to 5 km
209
4
More than 5 km to 10 km
102
5
More than 10 km to 15 km
52
6
More than 15 km
43
7
DK/Refused
1502
IFI14.2.How far is the closest ____ from the place where you live? Non-Umurenge SACCO
IFI14.3.How far is the closest ____ from the place where you live? Umurenge SACC
2003
0
1
0.5 km or less
191
2
More than 0.5 km to 1 km
278
3
More than 1 km to 5 km
745
4
More than 5 km to 10 km
313
5
More than 10 km to 15 km
130
6
More than 15 km
67
7
DK/Refused
279
IFI14.3.How far is the closest ____ from the place where you live? Umurenge SACCO
2003
0
1
0.5 km or less
20
2
More than 0.5 km to 1 km
52
3
More than 1 km to 5 km
59
4
More than 5 km to 10 km
15
5
More than 10 km to 15 km
16
6
More than 15 km
22
7
DK/Refused
1819
2003
0
1
0.5 km or less
2
2
More than 0.5 km to 1 km
22
3
More than 1 km to 5 km
7
4
More than 5 km to 10 km
4
5
More than 10 km to 15 km
1
6
More than 15 km
8
7
DK/Refused
1959
IFI15.1.Have you ever heard about this mobile-banking product?mVisa m-hosea
2003
0
1
Yes
65
2
No
1938
IFI16.1.Have you ever used this mobile-banking product?mVisa m-hosea
65
1938
1
Yes
6
2
No
59
Sysmiss
1938
IFI17.1.When was the last time you used this mobile-banking product?mVisa m-hose
6
1997
1
Yesterday
0
2
In the past 7 days
2
3
In the past 30 days
0
4
In the past 90 days
1
5
More than 90 days ago
3
6
Never
0
Sysmiss
1997
IFI17.1.When was the last time you used this mobile-banking product?mVisa m-hosea
IFI18.1.Do you have a registered account with this product?mVisa m-hosea
65
1938
1
Yes
4
2
No
61
Sysmiss
1938
IFI19.1.When was the last time you used your registered account with this produc
4
1999
1
Yesterday
0
2
In the past 7 days
1
3
In the past 30 days
0
4
In the past 90 days
1
5
More than 90 days ago
2
6
Never
0
Sysmiss
1999
IFI19.1.When was the last time you used your registered account with this product?mVisa m-hosea
IFI15.2.Have you ever heard about this mobile-banking product?mVisa BK Yacu
2003
0
1
Yes
130
2
No
1873
IFI16.2.Have you ever used this mobile-banking product?mVisa BK Yacu
130
1873
1
Yes
9
2
No
121
Sysmiss
1873
IFI17.2.When was the last time you used this mobile-banking product?mVisa BK Yac
9
1994
1
Yesterday
1
2
In the past 7 days
1
3
In the past 30 days
5
4
In the past 90 days
0
5
More than 90 days ago
2
6
Never
0
Sysmiss
1994
IFI17.2.When was the last time you used this mobile-banking product?mVisa BK Yacu
IFI18.2.Do you have a registered account with this product?mVisa BK Yacu
130
1873
1
Yes
10
2
No
120
Sysmiss
1873
IFI19.2.When was the last time you used your registered account with this produc
10
1993
1
Yesterday
1
2
In the past 7 days
0
3
In the past 30 days
6
4
In the past 90 days
0
5
More than 90 days ago
3
6
Never
0
Sysmiss
1993
IFI19.2.When was the last time you used your registered account with this product?mVisa BK Yacu
IFI15.3.Have you ever heard about this mobile-banking product?I&M Bank mVisa
2003
0
1
Yes
60
2
No
1943
IFI16.3.Have you ever used this mobile-banking product?I&M Bank mVisa
60
1943
1
Yes
1
2
No
59
Sysmiss
1943
IFI17.3.When was the last time you used this mobile-banking product?I&M Bank mVi
1
2002
1
Yesterday
0
2
In the past 7 days
0
3
In the past 30 days
0
4
In the past 90 days
1
5
More than 90 days ago
0
6
Never
0
Sysmiss
2002
IFI17.3.When was the last time you used this mobile-banking product?I&M Bank mVisa
IFI18.3.Do you have a registered account with this product?I&M Bank mVisa
60
1943
1
Yes
0
2
No
60
Sysmiss
1943
IFI19.3.When was the last time you used your registered account with this produc
0
2003
1
Yesterday
0
2
In the past 7 days
0
3
In the past 30 days
0
4
In the past 90 days
0
5
More than 90 days ago
0
6
Never
0
Sysmiss
2003
IFI19.3.When was the last time you used your registered account with this product?I&M Bank mVisa
IFI15.4.Have you ever heard about this mobile-banking product?Equity Bank mVisa
2003
0
1
Yes
86
2
No
1917
IFI16.4.Have you ever used this mobile-banking product?Equity Bank mVisa
86
1917
1
Yes
7
2
No
79
Sysmiss
1917
IFI17.4.When was the last time you used this mobile-banking product?Equity Bank
7
1996
1
Yesterday
2
2
In the past 7 days
2
3
In the past 30 days
1
4
In the past 90 days
1
5
More than 90 days ago
1
6
Never
0
Sysmiss
1996
IFI17.4.When was the last time you used this mobile-banking product?Equity Bank mVisa
IFI18.4.Do you have a registered account with this product?Equity Bank mVisa
86
1917
1
Yes
5
2
No
81
Sysmiss
1917
IFI19.4.When was the last time you used your registered account with this produc
5
1998
1
Yesterday
2
2
In the past 7 days
1
3
In the past 30 days
1
4
In the past 90 days
1
5
More than 90 days ago
0
6
Never
0
Sysmiss
1998
IFI19.4.When was the last time you used your registered account with this product?Equity Bank mVisa
IFI15.5.Have you ever heard about this mobile-banking product?KCB mVisa
2003
0
1
Yes
69
2
No
1934
IFI16.5.Have you ever used this mobile-banking product?KCB mVisa
69
1934
1
Yes
4
2
No
65
Sysmiss
1934
IFI17.5.When was the last time you used this mobile-banking product?KCB mVisa
4
1999
1
Yesterday
0
2
In the past 7 days
0
3
In the past 30 days
2
4
In the past 90 days
1
5
More than 90 days ago
1
6
Never
0
Sysmiss
1999
IFI18.5.Do you have a registered account with this product?KCB mVisa
69
1934
1
Yes
4
2
No
65
Sysmiss
1934
IFI19.5.When was the last time you used your registered account with this produc
4
1999
1
Yesterday
0
2
In the past 7 days
0
3
In the past 30 days
3
4
In the past 90 days
1
5
More than 90 days ago
0
6
Never
0
Sysmiss
1999
IFI19.5.When was the last time you used your registered account with this product?KCB mVisa
IFI20.1.Have you ever used any mVisa product for the following? Basic transactio
168
1835
1
Yes
22
2
No
146
Sysmiss
1835
IFI20.1.Have you ever used any mVisa product for the following? Basic transactions: deposit or withdraw money, buy airtime
IFI20.2.Have you ever used any mVisa product for the following? Send or receive
168
1835
1
Yes
9
2
No
159
Sysmiss
1835
IFI20.2.Have you ever used any mVisa product for the following? Send or receive remittances to/from other people
IFI20.3.Have you ever used any mVisa product for the following? Make payments to
168
1835
1
Yes
1
2
No
167
Sysmiss
1835
IFI20.3.Have you ever used any mVisa product for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, refugee payments, etc.
IFI20.4.Have you ever used any mVisa product for the following? Save/store money
168
1835
1
Yes
5
2
No
163
Sysmiss
1835
IFI20.5.Have you ever used any mVisa product for the following? Buy insurance, m
168
1835
1
Yes
1
2
No
167
Sysmiss
1835
IFI20.5.Have you ever used any mVisa product for the following? Buy insurance, make payments, receive claims on insurance
IFI20.6.Have you ever used any mVisa product for the following? Take loans, borr
168
1835
1
Yes
1
2
No
167
Sysmiss
1835
IFI20.6.Have you ever used any mVisa product for the following? Take loans, borrow money
IFI20.7.Have you ever used any mVisa product for the following? Make investments
168
1835
1
Yes
0
2
No
168
Sysmiss
1835
IFI20.8.Have you ever used any mVisa product for the following? Pay for grocerie
168
1835
1
Yes
1
2
No
167
Sysmiss
1835
IFI20.8.Have you ever used any mVisa product for the following? Pay for groceries, clothes, etc.
IFI20.9.Have you ever used any mVisa product for the following? Make business tr
168
1835
1
Yes
0
2
No
168
Sysmiss
1835
IFI20.9.Have you ever used any mVisa product for the following? Make business transactions
IFI20.10.Have you ever used any mVisa product for the following? Transfer money
168
1835
1
Yes
1
2
No
167
Sysmiss
1835
IFI20.10.Have you ever used any mVisa product for the following? Transfer money between an account at this institution and your bank account
IFI20.11.Have you ever used any mVisa product for the following? Transfer money
168
1835
1
Yes
0
2
No
168
Sysmiss
1835
IFI20.11.Have you ever used any mVisa product for the following? Transfer money between an account at this institution and your mobile money account
IFI21.Have you ever used card-less withdrawals?
Have you ever used card-less withdrawals?
2003
0
1
Yes
46
2
No
1957
FL1.How often do you make a plan for how to spend your income, whether it is ear
How often do you make a plan for how to spend your income, whether it is earned through a job, received from the government or from other people)?
2003
0
1
Always or most of the time
535
2
Sometimes
599
3
Rarely
320
4
Never
549
FL1.How often do you make a plan for how to spend your income, whether it is earned through a job, received from the government or from other people?
FL2.When you make a plan, how often do you keep it?
When you make a plan, how often do you keep it?
1454
549
1
Always or most of the time
384
2
Sometimes
649
3
Rarely
387
4
Never
34
Sysmiss
549
FL3.1 . Please, tell me how often does the following apply to you? I spend less
2003
0
1
Always or most of the time
216
2
Sometimes
392
3
Rarely
237
4
Never
1158
FL3.1 . Please, tell me how often does the following apply to you? I spend less money than I make each month
FL3.2 . Please, tell me how often does the following apply to you? I have an eme
2003
0
1
Always or most of the time
128
2
Sometimes
332
3
Rarely
293
4
Never
1250
FL3.2 . Please, tell me how often does the following apply to you? I have an emergency fund to cover for unplanned expenses
FL3.3 . Please, tell me how often does the following apply to you? I pay my bill
2003
0
1
Always or most of the time
406
2
Sometimes
605
3
Rarely
292
4
Never
700
FL3.3 . Please, tell me how often does the following apply to you? I pay my bills on time
FL3.4 . Please, tell me how often does the following apply to you? My savings ar
2003
0
1
Always or most of the time
138
2
Sometimes
247
3
Rarely
252
4
Never
1366
FL3.4 . Please, tell me how often does the following apply to you? My savings are larger than my debts
FL4.1 which of the following you have? A living will; I know what will happen to
2003
0
1
Yes
703
2
No
1300
FL4.1 which of the following you have? A living will; I know what will happen to my money if I die unexpectedly
FL4.2 which of the following you have? A retirement plan (employer provided or p
2003
0
1
Yes
129
2
No
1874
FL4.2 which of the following you have? A retirement plan (employer provided or personal) that will help me live comfortably after I stop working
FL4.3 which of the following you have? At least one of the following: insurance,
2003
0
1
Yes
719
2
No
1284
FL4.3 which of the following you have? At least one of the following: insurance, savings and/or investment
FL5.Which of the following statements best describes your financial situation la
Which of the following statements best describes your financial situation last month?
2003
0
1
I paid all typical family/personal expenses, including food, clothing, housing, bills and other living expenses and stil
159
2
I paid all typical family/personal expenses, including food, clothing, housing, bills and other living expenses but had
1379
3
I had to borrow money to pay some typical family/personal expenses
358
4
I had to borrow money to pay all typical family/personal expenses
105
5
Other
2
FL5.Which of the following statements best describes your financial situation last month?
FL6A.After paying your and your family’s typical expenses, in which three ways d
159
1844
1
Saving money
91
2
Paying for insurance
15
3
Repaying loans
9
4
Sending money to other people, including sending regular support money, emergency support, gifts, etc.
18
5
Investing
8
6
Entertainment: movies, restaurants, sport shows, theater plays, restaurants
1
7
Other(Specify)
17
8
There were no more money left
0
Sysmiss
1844
FL6A.After paying your and your family’s typical expenses, in which three ways did you use most of your remaining money last month? The first largest expense
FL6B.After paying your and your family’s typical expenses, in which three ways d
159
1844
1
Saving money
31
2
Paying for insurance
32
3
Repaying loans
7
4
Sending money to other people, including sending regular support money, emergency support, gifts, etc.
14
5
Investing
9
6
Entertainment: movies, restaurants, sport shows, theater plays, restaurants
9
7
Other(Specify)
2
8
There were no more money left
55
Sysmiss
1844
FL6B.After paying your and your family’s typical expenses, in which three ways did you use most of your remaining money last month? The second largest expense
FL6C.After paying your and your family’s typical expenses, in which three ways d
159
1844
1
Saving money
19
2
Paying for insurance
5
3
Repaying loans
8
4
Sending money to other people, including sending regular support money, emergency support, gifts, etc.
14
5
Investing
4
6
Entertainment: movies, restaurants, sport shows, theater plays, restaurants
9
7
Other(Specify)
9
8
There were no more money left
91
Sysmiss
1844
FL6C.After paying your and your family’s typical expenses, in which three ways did you use most of your remaining money last month? The third largest expense
FL7.How many loans do you currently have?
How many loans do you currently have?
2003
0
1
None
1800
2
1
172
3
2-3
25
4
more than 3
6
FL8.Which of the following statements best describes how you usually repay your
Which of the following statements best describes how you usually repay your loans?
2003
0
1
I repay in full before the deadline
57
2
I repay on the agreed day – neither before the deadline nor after the deadline
194
3
I ask for an extension for repayment
84
4
I occasionally fail to repay by the deadline and forget to ask for an extension
18
5
I do not borrow money/don’t have loans
1650
FL8.Which of the following statements best describes how you usually repay your loans?
FL9.Which of the following best describes how you usually spend the money you bo
Which of the following best describes how you usually spend the money you borrow?
353
1650
1
Routine purchases such as groceries and transportation
70
2
Medical payments, hospital charges
52
3
Educational expenses, school fees
33
4
Bills: utility bills, mobile phone and airtime, rent, taxes, etc.
5
5
Emergency expenses (Specify)
57
6
Investment in business, farm or future, e.g., buying livestock, land, seeds, equipment and machinery, etc.
102
7
Make a large purchase, such as TV, car or bicycle, house, etc.
11
8
Other(Specify)
23
Sysmiss
1650
FL9.Which of the following best describes how you usually spend the money you borrow?
FL10.1.Do you borrow money from any of the following?Bank
353
1650
1
Yes
56
2
No
297
Sysmiss
1650
FL11.1.Do you know what interest rate or fee you pay on your loans from…?Bank
56
1947
1
Yes
40
2
No
16
Sysmiss
1947
FL10.2.Do you borrow money from any of the following?Microfinance institution
353
1650
1
Yes
14
2
No
339
Sysmiss
1650
FL11.2.Do you know what interest rate or fee you pay on your loans from…?Microfi
14
1989
1
Yes
11
2
No
3
Sysmiss
1989
FL11.2.Do you know what interest rate or fee you pay on your loans from…?Microfinance institution
FL10.3.Do you borrow money from any of the following?Mobile money
353
1650
1
Yes
2
2
No
351
Sysmiss
1650
FL11.3.Do you know what interest rate or fee you pay on your loans from…?Mobile
2
2001
1
Yes
0
2
No
2
Sysmiss
2001
FL11.3.Do you know what interest rate or fee you pay on your loans from…?Mobile money
FL10.4.Do you borrow money from any of the following?Other formal financial inst
353
1650
1
Yes
24
2
No
329
Sysmiss
1650
FL10.4.Do you borrow money from any of the following?Other formal financial institution (Specify)
FL11.4.Do you know what interest rate or fee you pay on your loans from…?Other f
24
1979
1
Yes
19
2
No
5
Sysmiss
1979
FL11.4.Do you know what interest rate or fee you pay on your loans from…?Other formal financial institution (Specify)
FL10.5.Do you borrow money from any of the following?Informal financial service
353
1650
1
Yes
136
2
No
217
Sysmiss
1650
FL10.5.Do you borrow money from any of the following?Informal financial service provider such as cooperatives, SUSU, village savings group etc.
FL11.5.Do you know what interest rate or fee you pay on your loans from…?Informa
136
1867
1
Yes
92
2
No
44
Sysmiss
1867
FL11.5.Do you know what interest rate or fee you pay on your loans from…?Informal financial service provider such as cooperatives, SUSU, village savings group etc.
FL10.6.Do you borrow money from any of the following?Other people, e.g., family,
353
1650
1
Yes
158
2
No
195
Sysmiss
1650
FL10.6.Do you borrow money from any of the following?Other people, e.g., family, friends, neighbors, shopkeepers, money guards, etc.
FL11.6.Do you know what interest rate or fee you pay on your loans from…?Other p
158
1845
1
Yes
21
2
No
137
Sysmiss
1845
FL11.6.Do you know what interest rate or fee you pay on your loans from…?Other people, e.g., family, friends, neighbors, shopkeepers, money guards, etc.
FL10.7.Do you borrow money from any of the following?Other
353
1650
1
Yes
8
2
No
345
Sysmiss
1650
FL11.7.Do you know what interest rate or fee you pay on your loans from…?Other
8
1995
1
Yes
4
2
No
4
Sysmiss
1995
FL12.What is the main reason you do not borrow from a bank, MFI or mobile money
What is the main reason you do not borrow from a bank, MFI or mobile money provider?
264
1739
1
I can borrow money through other means
37
2
I do not know how to open an account
3
3
I do not have a state ID or other required documents
7
4
There is no formal financial institution close to where I live
0
5
Paperwork is too complicated
0
6
Registration fee is too high
4
7
I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che
7
8
Fees for using this service are too high
49
9
No one among my friends of family saves/borrows money
0
10
I do not trust formal financial institutions
0
11
I prefer to rely on my friends and family for financial services rather than formal institutions
3
12
The amount of money I need to borrow is too small to use such a service
12
13
Formal financial institutions are not flexible enough
3
14
Interest rate is too high
23
15
I have enough money, I don’t need to borrow
0
16
I tried to borrow formally but was denied
0
17
Other (Specify)
116
Sysmiss
1739
FL12.What is the main reason you do not borrow from a bank, MFI or mobile money provider?
FL13.1.Do you save with any of the following? Bank
2003
0
1
Yes
174
2
No
1829
FL14.1.Do you know what insterest rate you earn on your savings accounts from…?
174
1829
1
Yes
61
2
No
113
Sysmiss
1829
FL14.1.Do you know what insterest rate you earn on your savings accounts from…? Bank
FL13.2.Do you save with any of the following? Microfinance institution
2003
0
1
Yes
65
2
No
1938
FL14.2.Do you know what insterest rate you earn on your savings accounts from…?
65
1938
1
Yes
13
2
No
52
Sysmiss
1938
FL14.2.Do you know what insterest rate you earn on your savings accounts from…? Microfinance institution
FL13.3.Do you save with any of the following? Mobile money
2003
0
1
Yes
130
2
No
1873
FL14.3.Do you know what insterest rate you earn on your savings accounts from…?
130
1873
1
Yes
20
2
No
110
Sysmiss
1873
FL14.3.Do you know what insterest rate you earn on your savings accounts from…? Mobile money
FL13.4.Do you save with any of the following? Informal/semi-formal financial org
2003
0
1
Yes
362
2
No
1641
FL13.4.Do you save with any of the following? Informal/semi-formal financial organizations such as cooperatives, ESUSU, village savings group etc
FL14.4.Do you know what insterest rate you earn on your savings accounts from…?
362
1641
1
Yes
186
2
No
176
Sysmiss
1641
FL14.4.Do you know what insterest rate you earn on your savings accounts from…? Informal/semi-formal financial organizations such as cooperatives, ESUSU, village savings group etc
FL13.5.Do you save with any of the following? Other people,e.g. family,friend,ne
2003
0
1
Yes
40
2
No
1963
FL13.5.Do you save with any of the following? Other people,e.g. family,friend,neighbors,shopkeepers,money guards,etc.
FL13.6.Do you save with any of the following? In a safe place at home or on your
2003
0
1
Yes
73
2
No
1930
FL13.6.Do you save with any of the following? In a safe place at home or on yourself in cash or in-kind assets,such as gold
FL13.7.Do you save with any of the following? Other
2003
0
1
Yes
27
2
No
1976
FL14.7.Do you know what insterest rate you earn on your savings accounts from…?O
27
1976
1
Yes
9
2
No
18
Sysmiss
1976
FL14.7.Do you know what insterest rate you earn on your savings accounts from…?Other
FL15.1.What is the main reason you do not save at a bank account?Bank
1829
174
1
I can save through other means
116
2
I do not know how to open an account
20
3
I do not have a state ID or other required documents
25
4
There is no formal financial institution close to where I live
10
5
Paperwork is too complicated
0
6
Registration fee is too high
22
7
I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che
6
8
Fees for using this service are too high
133
9
No one among my friends of family saves money
0
10
I’m afraid it will be stolen
2
11
I do not trust formal financial institutions
2
12
I prefer to rely on my friends and family for financial services rather than formal institutions
2
13
The amount of money I am saving is too small to use such a service
31
14
Formal financial institutions are not flexible enough
7
15
I do not have enough money to save
1328
16
I tried to open a savings account but was denied
3
17
Other (Specify)
122
Sysmiss
174
FL15.2.What is the main reason you do not save at an MFI account?MFI
1938
65
1
I can save through other means
142
2
I do not know how to open an account
30
3
I do not have a state ID or other required documents
22
4
There is no formal financial institution close to where I live
27
5
Paperwork is too complicated
0
6
Registration fee is too high
13
7
I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che
11
8
Fees for using this service are too high
112
9
No one among my friends of family saves money
0
10
I’m afraid it will be stolen
3
11
I do not trust formal financial institutions
8
12
I prefer to rely on my friends and family for financial services rather than formal institutions
1
13
The amount of money I am saving is too small to use such a service
37
14
Formal financial institutions are not flexible enough
8
15
I do not have enough money to save
1368
16
I tried to open a savings account but was denied
3
17
Other (Specify)
153
Sysmiss
65
FL15.3.What is the main reason you do not save at a mobile money account?MM acco
1873
130
1
I can save through other means
128
2
I do not know how to open an account
51
3
I do not have a state ID or other required documents
21
4
There is no formal financial institution close to where I live
3
5
Paperwork is too complicated
0
6
Registration fee is too high
8
7
I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che
19
8
Fees for using this service are too high
67
9
No one among my friends of family saves money
0
10
I’m afraid it will be stolen
6
11
I do not trust formal financial institutions
4
12
I prefer to rely on my friends and family for financial services rather than formal institutions
2
13
The amount of money I am saving is too small to use such a service
28
14
Formal financial institutions are not flexible enough
7
15
I do not have enough money to save
1266
16
I tried to open a savings account but was denied
4
17
Other (Specify)
259
Sysmiss
130
FL15.3.What is the main reason you do not save at a mobile money account?MM account
FL16.1.Do you save for any of the following purposes? Start/expand my own busine
708
1295
1
Yes
107
2
No
601
Sysmiss
1295
FL16.1.Do you save for any of the following purposes? Start/expand my own business
FL16.2.Do you save for any of the following purposes? Education for myself
708
1295
1
Yes
39
2
No
669
Sysmiss
1295
FL16.3.Do you save for any of the following purposes?.Get ready for retirement
708
1295
1
Yes
44
2
No
664
Sysmiss
1295
FL16.4.Do you save for any of the following purposes? Buy expensive and prestigi
708
1295
1
Yes
32
2
No
676
Sysmiss
1295
FL16.4.Do you save for any of the following purposes? Buy expensive and prestigious things such as an expensive car, jewelry, designer clothes, high-end electronics, big house
FL16.5.Do you save for any of the following purposes? Save as much as I can
708
1295
1
Yes
134
2
No
574
Sysmiss
1295
FL16.6.Do you save for any of the following purposes? Protect my family from pov
708
1295
1
Yes
398
2
No
310
Sysmiss
1295
FL16.6.Do you save for any of the following purposes? Protect my family from poverty and crime
FL16.7.Do you save for any of the following purposes? Protect my belongings
708
1295
1
Yes
162
2
No
546
Sysmiss
1295
FL16.8.Do you save for any of the following purposes? Just make ends meet on a d
708
1295
1
Yes
367
2
No
341
Sysmiss
1295
FL16.8.Do you save for any of the following purposes? Just make ends meet on a daily basis
FL16.9.Do you save for any of the following purposes? Give back to my community
708
1295
1
Yes
30
2
No
678
Sysmiss
1295
FL16.9.Do you save for any of the following purposes? Give back to my community by giving out money, creating a charitable organization (including orphanage, senior home, free school, etc.), or creating jobs
FL16.10.Do you save for any of the following purposes? Build children’s fund for
708
1295
1
Yes
155
2
No
553
Sysmiss
1295
FL16.10.Do you save for any of the following purposes? Build children’s fund for education
FL16.11.Do you save for any of the following purposes? Build children’s fund for
708
1295
1
Yes
12
2
No
696
Sysmiss
1295
FL16.11.Do you save for any of the following purposes? Build children’s fund for wedding (the ceremony and/or dowry)
FL16.12.Do you save for any of the following purposes? Other(specify)
708
1295
1
Yes
57
2
No
651
Sysmiss
1295
FL16.13.Do you save for any of the following purposes? DK/Refused
708
1295
1
Yes
122
2
No
586
Sysmiss
1295
FL17.1.Do you have insurance to cover for any of the following? Medical
2003
0
1
Yes
1663
2
No
340
FL17A.1.Is this insurance provided by a mobile network operator? Medical
1663
340
1
Yes
41
2
No
1622
Sysmiss
340
FL17B.1.Is this insurance free of charge or do you pay for it? Medical
1663
340
1
It's free
286
2
I pay for it
1373
3
DK/Refused
4
Sysmiss
340
FL17.2.Do you have insurance to cover for any of the following? Life
2003
0
1
Yes
70
2
No
1933
FL17A.2.Is this insurance provided by a mobile network operator? Life
70
1933
1
Yes
4
2
No
66
Sysmiss
1933
FL17B.2.Is this insurance free of charge or do you pay for it? Life
70
1933
1
It's free
10
2
I pay for it
60
3
DK/Refused
0
Sysmiss
1933
FL17.3.Do you have insurance to cover for any of the following? Car
2003
0
1
Yes
12
2
No
1991
FL17A.3.Is this insurance provided by a mobile network operator? Car
12
1991
1
Yes
1
2
No
11
Sysmiss
1991
FL17B.3.Is this insurance free of charge or do you pay for it? Car
12
1991
1
It's free
2
2
I pay for it
10
3
DK/Refused
0
Sysmiss
1991
FL17.4.Do you have insurance to cover for any of the following? Agriculture
2003
0
1
Yes
4
2
No
1999
FL17A.4.Is this insurance provided by a mobile network operator? Agriculture
4
1999
1
Yes
1
2
No
3
Sysmiss
1999
FL17B.4.Is this insurance free of charge or do you pay for it? Agriculture
4
1999
1
It's free
1
2
I pay for it
3
3
DK/Refused
0
Sysmiss
1999
FL17.5.Do you have insurance to cover for any of the following? House/property
2003
0
1
Yes
9
2
No
1994
FL17A.5.Is this insurance provided by a mobile network operator? House/property
9
1994
1
Yes
1
2
No
8
Sysmiss
1994
FL17B.5.Is this insurance free of charge or do you pay for it? House/property
9
1994
1
It's free
1
2
I pay for it
8
3
DK/Refused
0
Sysmiss
1994
FL17.6.Do you have insurance to cover for any of the following? Unemployment/inc
2003
0
1
Yes
3
2
No
2000
FL17.6.Do you have insurance to cover for any of the following? Unemployment/income protection
FL17A.6.Is this insurance provided by a mobile network operator? Unemployment/in
3
2000
1
Yes
2
2
No
1
Sysmiss
2000
FL17A.6.Is this insurance provided by a mobile network operator? Unemployment/income protection
FL17B.6.Is this insurance free of charge or do you pay for it? Unemployment/inco
3
2000
1
It's free
1
2
I pay for it
2
3
DK/Refused
0
Sysmiss
2000
FL17B.6.Is this insurance free of charge or do you pay for it? Unemployment/income protection
FL17.7.Do you have insurance to cover for any of the following? Other(Specify)
2003
0
1
Yes
3
2
No
2000
FL17A.7.Is this insurance provided by a mobile network operator? Other(Specify)
3
2000
1
Yes
0
2
No
3
Sysmiss
2000
FL17B.7.Is this insurance free of charge or do you pay for it? Other(Specify)
3
2000
1
It's free
0
2
I pay for it
3
3
DK/Refused
0
Sysmiss
2000
FL17.8.Do you have insurance to cover for any of the following? DK/Refused
2003
0
1
Yes
320
2
No
1683
FL18.1.Do you invest in any of the following? Your own business
2003
0
1
Yes
216
2
No
1787
FL18.2.Do you invest in any of the following? Other people’s business (your neig
2003
0
1
Yes
18
2
No
1985
FL18.2.Do you invest in any of the following? Other people’s business (your neighbors, friends, relatives)
FL18.3.Do you invest in any of the following? Assets, such as real estate, land,
2003
0
1
Yes
91
2
No
1912
FL18.3.Do you invest in any of the following? Assets, such as real estate, land, precious metals, gemstones, art, etc.
FL18.4.Do you invest in any of the following? Buy shares of foreign enterprises
2003
0
1
Yes
0
2
No
2003
FL18.4.Do you invest in any of the following? Buy shares of foreign enterprises (e.g., Coke Cola, Toyota, etc.)
FL18.5.Do you invest in any of the following? Buy shares of local enterprises (e
2003
0
1
Yes
1
2
No
2002
FL18.5.Do you invest in any of the following? Buy shares of local enterprises (e.g., oil and gas companies such as Tullo oil)
FL18.6.Do you invest in any of the following?Buy government bonds
2003
0
1
Yes
3
2
No
2000
FL18.7.Do you invest in any of the following? Other(Specify)
2003
0
1
Yes
9
2
No
1994
FL18.8.Do you invest in any of the following? DK/Refused
2003
0
1
Yes
1717
2
No
286
FL19. Imagine you have 100 RWF and you have to divide it among 5 people. How muc
Now, I would like you to answer several questions that require some calculations. Please, do not be concerned - this is not a test. We just want to see if you understand some of the issues related to budgeting your income and making choices related to money.
Imagine you have 1,000 RWF and you have to divide it among 5 people. How much money will each person receive if you divide it equally?
2003
0
1
20 RWF
1632
2
Any other answer
59
3
DK/Refused
312
FL19. Imagine you have 100 RWF and you have to divide it among 5 people. How much money will each person receive if you divide it equally?
FL20.Imagine you have 100 RWF in your savings account. Your account is earning 2
Now, I would like you to answer several questions that require some calculations. Please, do not be concerned - this is not a test. We just want to see if you understand some of the issues related to budgeting your income and making choices related to money.
Imagine you have 1,000 RWF in your savings account. Your account is earning 2% interest every year. How much money will you have on your account in 5 years if you do not withdraw anything during that period?
2003
0
1
More than 100 RWF
996
2
Less than 100 RWF
81
3
Exactly 100 RWF
26
4
DK/Refused
900
FL20.Imagine you have 100 RWF in your savings account. Your account is earning 2% interest every year. How much money will you have on your account in 5 years if you do not withdraw anything during that period?
FL21.Imagine you took a loan of 100 RWF and you have to pay a fee of 2% each mon
Now, I would like you to answer several questions that require some calculations. Please, do not be concerned - this is not a test. We just want to see if you understand some of the issues related to budgeting your income and making choices related to money.
Now, imagine you took a loan of 1,000 RWF and you have to pay a fee of 2% each month until you fully repay it. How much total money will have to repay in 1 full year (12 months)?
2003
0
1
More than 100 RWF
605
2
Less than 100 RWF
242
3
Exactly 100 RWF
72
4
DK/Refused
1084
FL22.Imagine you have 100 RWF worth of investment, which earn you 3% interest ev
Now, I would like you to answer several questions that require some calculations. Please, do not be concerned - this is not a test. We just want to see if you understand some of the issues related to budgeting your income and making choices related to money.
Finally, imagine you have 1,000 RWF worth of investment, which earn you 3% interest every year. The inflation is 3.5% a year. How much total money will you have in 2 years?
2003
0
1
More than 100 RWF
198
2
Less than 100 RWF
381
3
Exactly 100 RWF
56
4
DK/Refused
1368
FL22.Imagine you have 100 RWF worth of investment, which earn you 3% interest every year. The inflation is 3.5% a year. How much total money will you have in 2 years?
FL23.1.Does your family have a plan to manage the unexpected expenses, which mig
2003
0
1
Yes
77
2
No
1821
3
DK/Refused
105
FL23.1.Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of a house due to fire, flood or another natural disaster
FL23.2.Does your family have a plan to manage the unexpected expenses, which mig
2003
0
1
Yes
765
2
No
1149
3
DK/Refused
89
FL23.2.Does your family have a plan to manage the unexpected expenses, which might result from the following? Major medical emergency, including illness, injury and childbirth
FL23.3.Does your family have a plan to manage the unexpected expenses, which mig
2003
0
1
Yes
58
2
No
1846
3
DK/Refused
99
FL23.3.Does your family have a plan to manage the unexpected expenses, which might result from the following? Bankruptcy/loss of a job or a business
FL23.4.Does your family have a plan to manage the unexpected expenses, which mig
2003
0
1
Yes
61
2
No
1848
3
DK/Refused
94
FL23.4.Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of harvest or livestock due to weather conditions or a disease
FL23.5.Does your family have a plan to manage the unexpected expenses, which mig
2003
0
1
Yes
35
2
No
1873
3
DK/Refused
95
FL23.5.Does your family have a plan to manage the unexpected expenses, which might result from the following? Loss of property due to theft or burglary
FL23.6.Does your family have a plan to manage the unexpected expenses, which mig
2003
0
1
Yes
145
2
No
1771
3
DK/Refused
87
FL23.6.Does your family have a plan to manage the unexpected expenses, which might result from the following? Death in the family
TDL1.What is the primary reason you don’t have your own phone and do not use a p
What is the primary reason you don't have your own phone and do not use a phone that belongs to someone else?
726
1277
1
It is too expensive
452
2
I am not permitted to
19
3
I have no need for on/no one to call
93
4
It is too difficult/complex to use
35
5
I don't know how to get one
27
6
Other
52
7
DK/Refused
48
Sysmiss
1277
TDL1.What is the primary reason you don’t have your own phone and do not use a phone that belongs to someone else?
TDL4.1.Tell me how easy or difficult it is for you to understand the following t
1277
726
1
Very Easy
470
2
Easy
347
3
Difficult
63
4
Very difficult
55
5
Not applicable, don’t receive such messages
184
6
DK/Refused
158
Sysmiss
726
TDL4.1.Tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from friends and family
TDL4.2.Tell me how easy or difficult it is for you to understand the following t
1277
726
1
Very Easy
345
2
Easy
406
3
Difficult
94
4
Very difficult
79
5
Not applicable, don’t receive such messages
187
6
DK/Refused
166
Sysmiss
726
TDL4.2.Tell me how easy or difficult it is for you to understand the following types of text messages? Official notifications, for example messages from the government or government agencies
TDL4.3.Tell me how easy or difficult it is for you to understand the following t
1277
726
1
Very Easy
336
2
Easy
404
3
Difficult
101
4
Very difficult
88
5
Not applicable, don’t receive such messages
181
6
DK/Refused
167
Sysmiss
726
TDL4.3.Tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from Mobile Network Operators/Mobile phone provider
TDL4.4.Tell me how easy or difficult it is for you to understand the following t
1277
726
1
Very Easy
321
2
Easy
370
3
Difficult
89
4
Very difficult
93
5
Not applicable, don’t receive such messages
211
6
DK/Refused
193
Sysmiss
726
TDL4.4.Tell me how easy or difficult it is for you to understand the following types of text messages? Text messages from Mobile Money services such as MTN Mobile Money, Tigo Cash or Airtel Money OR other
TDL5.1.Please, tell me how easy or difficult it is for you to understand text me
1277
726
1
Very Easy
97
2
Easy
128
3
Difficult
121
4
Very difficult
400
5
Not applicable, don’t receive such messages
187
6
DK/Refused
344
Sysmiss
726
TDL5.1.Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in only English
TDL5.2.Please, tell me how easy or difficult it is for you to understand text me
1277
726
1
Very Easy
116
2
Easy
185
3
Difficult
226
4
Very difficult
310
5
Not applicable, don’t receive such messages
183
6
DK/Refused
257
Sysmiss
726
TDL5.2.Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where English is mixed with Kinyarwanda
TDL5.3.Please, tell me how easy or difficult it is for you to understand text me
1277
726
1
Very Easy
83
2
Easy
132
3
Difficult
142
4
Very difficult
411
5
Not applicable, don’t receive such messages
191
6
DK/Refused
318
Sysmiss
726
TDL5.3.Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in French only
TDL5.4.Please, tell me how easy or difficult it is for you to understand text me
1277
726
1
Very Easy
103
2
Easy
188
3
Difficult
241
4
Very difficult
308
5
Not applicable, don’t receive such messages
183
6
DK/Refused
254
Sysmiss
726
TDL5.4.Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages where French is mixed in Kinyarwanda
TDL5.5.Please, tell me how easy or difficult it is for you to understand text me
1277
726
1
Very Easy
689
2
Easy
172
3
Difficult
52
4
Very difficult
53
5
Not applicable, don’t receive such messages
154
6
DK/Refused
157
Sysmiss
726
TDL5.5.Please, tell me how easy or difficult it is for you to understand text messages in the following languages or combinations of languages? Text messages in Kinyarwanda only
TDL7.1.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
195
2
No
235
3
DK/Refused
23
Sysmiss
1550
TDL7.1.Have you ever done the following activities related to the use of mobile money services by yourself? Open a mobile money menu
TDL8.1.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
137
2
Easy
110
3
Difficult
26
4
Very difficult
28
5
DK/Refused
152
Sysmiss
1550
TDL8.1.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Open a mobile money menu
TDL7.2.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
203
2
No
224
3
DK/Refused
26
Sysmiss
1550
TDL7.2.Have you ever done the following activities related to the use of mobile money services by yourself? Find a particular menu option, for example, an option for a money transfer
TDL8.2.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
140
2
Easy
112
3
Difficult
26
4
Very difficult
24
5
DK/Refused
151
Sysmiss
1550
TDL8.2.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Find a particular menu option, for example, an option for a money transfe
TDL7.3.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
193
2
No
236
3
DK/Refused
24
Sysmiss
1550
TDL7.3.Have you ever done the following activities related to the use of mobile money services by yourself? Initiate a transaction
TDL8.3.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
133
2
Easy
111
3
Difficult
24
4
Very difficult
25
5
DK/Refused
160
Sysmiss
1550
TDL8.3.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Initiate a transaction
TDL7.4.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
188
2
No
239
3
DK/Refused
26
Sysmiss
1550
TDL7.4.Have you ever done the following activities related to the use of mobile money services by yourself? Complete a transaction
TDL8.4.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
135
2
Easy
105
3
Difficult
26
4
Very difficult
25
5
DK/Refused
162
Sysmiss
1550
TDL8.4.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Complete a transaction
TDL7.5.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
178
2
No
247
3
DK/Refused
28
Sysmiss
1550
TDL7.5.Have you ever done the following activities related to the use of mobile money services by yourself? Go back to the main menu after a transaction
TDL8.5.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
137
2
Easy
96
3
Difficult
27
4
Very difficult
26
5
DK/Refused
167
Sysmiss
1550
TDL8.5.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Go back to the main menu after a transaction
TDL7.6.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
179
2
No
244
3
DK/Refused
30
Sysmiss
1550
TDL7.6.Have you ever done the following activities related to the use of mobile money services by yourself? Correct a typo in the amount or phone number for a transaction recipient
TDL8.6.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
129
2
Easy
101
3
Difficult
26
4
Very difficult
25
5
DK/Refused
172
Sysmiss
1550
TDL8.6.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Correct a typo in the amount or phone number for a transaction recipient
TDL7.7.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
180
2
No
242
3
DK/Refused
31
Sysmiss
1550
TDL7.7.Have you ever done the following activities related to the use of mobile money services by yourself? Reverse or cancel a transaction
TDL8.7.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
136
2
Easy
102
3
Difficult
23
4
Very difficult
25
5
DK/Refused
167
Sysmiss
1550
TDL8.7.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Reverse or cancel a transaction
TDL7.8.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
203
2
No
223
3
DK/Refused
27
Sysmiss
1550
TDL7.8.Have you ever done the following activities related to the use of mobile money services by yourself? Sending money
TDL8.8.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
156
2
Easy
95
3
Difficult
20
4
Very difficult
24
5
DK/Refused
158
Sysmiss
1550
TDL8.8.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Sending money
TDL7.9.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
215
2
No
213
3
DK/Refused
25
Sysmiss
1550
TDL7.9.Have you ever done the following activities related to the use of mobile money services by yourself? Receiving money
TDL8.9.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficul
453
1550
1
Very Easy
162
2
Easy
96
3
Difficult
24
4
Very difficult
19
5
DK/Refused
152
Sysmiss
1550
TDL8.9.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Receiving money
TDL7.10.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
152
2
No
268
3
DK/Refused
33
Sysmiss
1550
TDL7.10.Have you ever done the following activities related to the use of mobile money services by yourself? Depositing money
TDL8.10.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu
453
1550
1
Very Easy
115
2
Easy
96
3
Difficult
24
4
Very difficult
31
5
DK/Refused
187
Sysmiss
1550
TDL8.10.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Depositing money
TDL7.11.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
155
2
No
265
3
DK/Refused
33
Sysmiss
1550
TDL7.11.Have you ever done the following activities related to the use of mobile money services by yourself? Withdrawing money
TDL8.11.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu
453
1550
1
Very Easy
123
2
Easy
89
3
Difficult
26
4
Very difficult
34
5
DK/Refused
181
Sysmiss
1550
TDL8.11.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Withdrawing money
TDL7.12.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
207
2
No
216
3
DK/Refused
30
Sysmiss
1550
TDL7.12.Have you ever done the following activities related to the use of mobile money services by yourself? Buying airtime
TDL8.12.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu
453
1550
1
Very Easy
161
2
Easy
91
3
Difficult
20
4
Very difficult
20
5
DK/Refused
161
Sysmiss
1550
TDL8.12.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Buying airtime
TDL7.13.Have you ever done the following activities related to the use of mobile
453
1550
1
Yes
254
2
No
167
3
DK/Refused
32
Sysmiss
1550
TDL7.13.Have you ever done the following activities related to the use of mobile money services by yourself? Checking balance
TDL8.13.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu
453
1550
1
Very Easy
190
2
Easy
89
3
Difficult
16
4
Very difficult
20
5
DK/Refused
138
Sysmiss
1550
TDL8.13.On a scale from 1 (very easy) to 4 (very difficult), how easy or difficult it is for you to do the following activities related to the use of mobile money services on your own?Checking balance
TDL9.When you experienced the difficulties that you mentioned above who do you a
When you experienced the difficulties that you mentioned above who do you ask for help most frequently?
94
1909
1
Spouse
8
2
Parent
0
3
Child
2
4
Cousin
0
5
Niece or nephew
0
6
Aunt or uncle
0
7
Grandparent
0
8
Other relative(Specify)
0
9
Workmate or a business partner
0
10
Neighbor,not a relative
2
11
Mobile operator's agent/employee
15
12
Mobile money agent
63
13
Friend
1
14
Mobile money provider help line
1
15
Other(Specify)
0
16
Don't ask anyone, just don't do the activity
2
Sysmiss
1909
TDL9.When you experienced the difficulties that you mentioned above who do you ask for help most frequently?
TDL10. Did you share your account details (e.g. PIN, account number) with the pe
Did you share your account details (e.g. PIN, account number) with the person who helped you to conduct the transaction?
94
1909
1
Yes
26
2
No
68
Sysmiss
1909
TDL10. Did you share your account details (e.g. PIN, account number) with the person who helped you to conduct the transaction?
TDL11.After seeking help, is the transaction usually completed successfully?
After seeking help, is the transaction usually completed successfully?
94
1909
1
Yes
93
2
No
1
Sysmiss
1909
TDL12.1.How did the agent react when you asked his/her for help? Agent was frien
63
1940
1
Yes
58
2
No
5
Sysmiss
1940
TDL12.1.How did the agent react when you asked his/her for help? Agent was friendly
TDL12.2.How did the agent react when you asked his/her for help? Agent was irrit
63
1940
1
Yes
0
2
No
63
Sysmiss
1940
TDL12.2.How did the agent react when you asked his/her for help? Agent was irritated
TDL12.3.How did the agent react when you asked his/her for help? Agent was angry
63
1940
1
Yes
1
2
No
62
Sysmiss
1940
TDL12.4.How did the agent react when you asked his/her for help? Agent was helpf
63
1940
1
Yes
44
2
No
19
Sysmiss
1940
TDL12.4.How did the agent react when you asked his/her for help? Agent was helpful
TDL12.5.How did the agent react when you asked his/her for help? Agent was not k
63
1940
1
Yes
1
2
No
62
Sysmiss
1940
TDL12.5.How did the agent react when you asked his/her for help? Agent was not knowledgeable
TDL12.6.How did the agent react when you asked his/her for help? Agent send me t
63
1940
1
Yes
2
2
No
61
Sysmiss
1940
TDL12.6.How did the agent react when you asked his/her for help? Agent send me to a different office for help
TDL12.7.How did the agent react when you asked his/her for help? Other (Specify)
63
1940
1
Yes
0
2
No
63
Sysmiss
1940
TDL12.8.How did the agent react when you asked his/her for help? DK/Refused
63
1940
1
Yes
0
2
No
63
Sysmiss
1940
IO1.1. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1974
1
9
2
11
3
5
4
3
7
1
IO1.1. In the past 90 days, how many times have you attempted the following transactions?Send money from my mobile money account to an account of another person who uses a different mobile money provider
IO1.2. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1968
1
13
2
16
3
3
4
1
5
1
7
1
IO1.2. In the past 90 days, how many times have you attempted the following transactions?Receive money to my mobile money account from an account of another person who uses a different mobile money provider
IO1.3. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1987
1
3
2
11
4
2
IO1.3. In the past 90 days, how many times have you attempted the following transactions?Send money from my bank account to a mobile money account that belongs to me or another person
IO1.4. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1990
1
1
2
12
IO1.4. In the past 90 days, how many times have you attempted the following transactions?Receive money on mobile money account that were sent from a bank account that belongs to me or another person
IO1.5. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1991
1
1
2
11
IO1.5. In the past 90 days, how many times have you attempted the following transactions?Transfer money from mobile money account to a SACCO account
IO1.6. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1991
1
1
2
11
IO1.6. In the past 90 days, how many times have you attempted the following transactions?Transfer money from a SACCO account to a mobile money account
IO1.7. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1989
1
1
2
12
4
1
IO1.7. In the past 90 days, how many times have you attempted the following transactions?Make a transaction with a mobile money agent who works for a provider different from mine
IO1.8. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1991
1
1
2
11
IO1.8. In the past 90 days, how many times have you attempted the following transactions?Pay a bill from my bank account to a mobile money of an organization (pay government fee, utility bills, etc.)
IO1.9. In the past 90 days, how many times have you attempted the following tran
2003
0
0
1991
2
12
IO1.9. In the past 90 days, how many times have you attempted the following transactions?Pay a bill from my mobile money account to a bank/mobile money account of an organization (pay government fee, utility bills, etc.)
IO1.10. In the past 90 days, how many times have you attempted the following tra
2003
0
0
1989
1
2
2
12
IO1.10. In the past 90 days, how many times have you attempted the following transactions?Deposit money from my m-money account to a bank
IO1.11. In the past 90 days, how many times have you attempted the following tra
2003
0
0
1989
2
13
6
1
IO1.11. In the past 90 days, how many times have you attempted the following transactions?Have m-money agent to deposit money to a bank for me
IO2.1.In the past 90 days, how many times did you fail to make such transactions
29
1974
0
18
1
5
2
2
3
1
4
2
12
1
Sysmiss
1974
IO2.1.In the past 90 days, how many times did you fail to make such transactions?Send money from my mobile money account to an account of another person who uses a different mobile money provider
IO2.2.In the past 90 days, how many times did you fail to make such transactions
35
1968
0
26
1
3
2
3
3
2
11
1
Sysmiss
1968
IO2.2.In the past 90 days, how many times did you fail to make such transactions?Receive money to my mobile money account from an account of another person who uses a different mobile money provider
IO2.3.In the past 90 days, how many times did you fail to make such transactions
16
1987
0
13
1
1
2
2
Sysmiss
1987
IO2.3.In the past 90 days, how many times did you fail to make such transactions?Send money from my bank account to a mobile money account that belongs to me or another person
IO2.4.In the past 90 days, how many times did you fail to make such transactions
13
1990
0
12
2
1
Sysmiss
1990
IO2.4.In the past 90 days, how many times did you fail to make such transactions?Receive money on mobile money account that were sent from a bank account that belongs to me or another person
IO2.5.In the past 90 days, how many times did you fail to make such transactions
12
1991
0
10
2
1
4
1
Sysmiss
1991
IO2.5.In the past 90 days, how many times did you fail to make such transactions?Transfer money from mobile money account to a SACCO account
IO2.6.In the past 90 days, how many times did you fail to make such transactions
12
1991
0
11
2
1
Sysmiss
1991
IO2.6.In the past 90 days, how many times did you fail to make such transactions?Transfer money from a SACCO account to a mobile money account
IO2.7.In the past 90 days, how many times did you fail to make such transactions
14
1989
0
12
2
2
Sysmiss
1989
IO2.7.In the past 90 days, how many times did you fail to make such transactions?Make a transaction with a mobile money agent who works for a provider different from mine
IO2.8.In the past 90 days, how many times did you fail to make such transactions
12
1991
0
10
1
1
2
1
Sysmiss
1991
IO2.8.In the past 90 days, how many times did you fail to make such transactions?Pay a bill from my bank account to a mobile money of an organization (pay government fee, utility bills, etc.)
IO2.9.In the past 90 days, how many times did you fail to make such transactions
12
1991
0
10
1
1
2
1
Sysmiss
1991
IO2.9.In the past 90 days, how many times did you fail to make such transactions?Pay a bill from my mobile money account to a bank/mobile money account of an organization (pay government fee, utility bills, etc.)
IO2.10.In the past 90 days, how many times did you fail to make such transaction
14
1989
0
12
1
1
2
1
Sysmiss
1989
IO2.10.In the past 90 days, how many times did you fail to make such transactions?Deposit money from my m-money account to a bank
IO2.11.In the past 90 days, how many times did you fail to make such transaction
14
1989
0
12
1
1
2
1
Sysmiss
1989
IO2.11.In the past 90 days, how many times did you fail to make such transactions?Have m-money agent to deposit money to a bank for me
TS1.1. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
1437
2
Rather trust
196
3
Rather not trust
52
4
Do not trust at all
35
5
DK/Refused
283
TS1.1. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.State owned banks
TS1.2. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
591
2
Rather trust
400
3
Rather not trust
253
4
Do not trust at all
127
5
DK/Refused
632
TS1.2. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.Private banks
TS1.3. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
751
2
Rather trust
349
3
Rather not trust
150
4
Do not trust at all
59
5
DK/Refused
694
TS1.3. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.MTN Mobile Money
TS1.4. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
418
2
Rather trust
297
3
Rather not trust
172
4
Do not trust at all
76
5
DK/Refused
1040
TS1.4. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.Airtel Money
TS1.5. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
669
2
Rather trust
355
3
Rather not trust
130
4
Do not trust at all
61
5
DK/Refused
788
TS1.5. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.Tigo Cash
TS1.6. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
70
2
Rather trust
72
3
Rather not trust
71
4
Do not trust at all
50
5
DK/Refused
1740
TS1.6. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.mVisa services
TS1.7. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
246
2
Rather trust
230
3
Rather not trust
143
4
Do not trust at all
87
5
DK/Refused
1297
TS1.7. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.Microfinance institutions (MFI)
TS1.8. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
310
2
Rather trust
260
3
Rather not trust
131
4
Do not trust at all
96
5
DK/Refused
1206
TS1.8. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.Non-Umurenge SACCOs
TS1.9. Tell me if you fully trust, rather trust, rather do not trust or do not t
2003
0
1
Fully trust
1069
2
Rather trust
355
3
Rather not trust
112
4
Do not trust at all
40
5
DK/Refused
427
TS1.9. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.Umerenge SACCOs
TS1.10. Tell me if you fully trust, rather trust, rather do not trust or do not
2003
0
1
Fully trust
204
2
Rather trust
193
3
Rather not trust
164
4
Do not trust at all
89
5
DK/Refused
1353
TS1.10. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.Private lending agencies
TS1.11. Tell me if you fully trust, rather trust, rather do not trust or do not
2003
0
1
Fully trust
299
2
Rather trust
208
3
Rather not trust
142
4
Do not trust at all
94
5
DK/Refused
1260
TS1.11. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.Insurance agencies/brokers
TS1.12. Tell me if you fully trust, rather trust, rather do not trust or do not
2003
0
1
Fully trust
677
2
Rather trust
378
3
Rather not trust
261
4
Do not trust at all
138
5
DK/Refused
549
TS1.12. Tell me if you fully trust, rather trust, rather do not trust or do not trust at all the following institutions.VSLA, cooperatives, tontine, ikibina
TS2.1. What are your preferred sources of information about financial institutio
2003
0
1
Yes
220
2
No
1783
TS2.1. What are your preferred sources of information about financial institutions and financial services? Television
TS2.2. What are your preferred sources of information about financial institutio
2003
0
1
Yes
1112
2
No
891
TS2.2. What are your preferred sources of information about financial institutions and financial services? Radio
TS2.3. What are your preferred sources of information about financial institutio
2003
0
1
Yes
113
2
No
1890
TS2.3. What are your preferred sources of information about financial institutions and financial services? Newspapers
TS2.4. What are your preferred sources of information about financial institutio
2003
0
1
Yes
35
2
No
1968
TS2.4. What are your preferred sources of information about financial institutions and financial services? Finance journals
TS2.5. What are your preferred sources of information about financial institutio
2003
0
1
Yes
45
2
No
1958
TS2.5. What are your preferred sources of information about financial institutions and financial services? Internet
TS2.6. What are your preferred sources of information about financial institutio
2003
0
1
Yes
59
2
No
1944
TS2.6. What are your preferred sources of information about financial institutions and financial services? SMS from mobile service operators
TS2.7. What are your preferred sources of information about financial institutio
2003
0
1
Yes
397
2
No
1606
TS2.7. What are your preferred sources of information about financial institutions and financial services? Friends, relatives, neighbors or other acquaintances
TS2.8. What are your preferred sources of information about financial institutio
2003
0
1
Yes
80
2
No
1923
TS2.8. What are your preferred sources of information about financial institutions and financial services? Colleagues or supervisors at work
TS2.9. What are your preferred sources of information about financial institutio
2003
0
1
Yes
29
2
No
1974
TS2.9. What are your preferred sources of information about financial institutions and financial services? Teachers at school/university
TS2.10. What are your preferred sources of information about financial instituti
2003
0
1
Yes
230
2
No
1773
TS2.10. What are your preferred sources of information about financial institutions and financial services? Do not get financial information from either media or from other people
TS2.11. What are your preferred sources of information about financial instituti
2003
0
1
Yes
41
2
No
1962
TS2.11. What are your preferred sources of information about financial institutions and financial services? Other (Specify)
TS2.12. What are your preferred sources of information about financial instituti
2003
0
1
Yes
217
2
No
1786
TS2.12. What are your preferred sources of information about financial institutions and financial services? DK/Refused
DL1. In the past 12 months, were you mainly...?
In the past 12 months, were you mainly… (READ OUT OPTIONS BELOW)?
2003
0
1
Working full-time for a regular salary.
88
2
Working part-time for a regular salary
10
3
Working occasionally,irregular pay
254
4
Self-employed,working for yourself
867
5
Not working but looking for a job
51
6
Housewife,doing household chores
432
7
Full-time student
166
8
Not working because of retirement
15
9
Not working because of sickness,disability,etc.
82
10
Other(specify)
25
11
DK/Refused
13
DL2. What is your primary job (i.e., the job where you spend most of your time)?
What is your primary job (i.e., the job where you spend most of your time)?
1219
784
1
Farm owner
876
2
Farm worker
98
3
Public or health service worker(non-professional)
15
4
Professional, i.e., doctor, teacher, nurse (specify)
26
5
Clerk
0
6
Carpenter/mason
22
7
Mechanic
4
8
Electrician
0
9
Cleaner/ house help
7
10
Waiter/cook
2
11
Driver,Including public transport (moto-taxi, bus, etc.)
5
12
Tailor
9
13
Secretary
0
14
Manager
1
15
Watchman/Security/caretaker
2
16
Messenger
0
17
Policeman/police reserve
0
18
Conductor
1
19
Factory employee
7
20
Shop owner
9
21
Salesperson in a store
12
22
Street vendor/hawker(selling grocerties,mama mboga)
23
23
Business owner (specify)
42
24
Salonist
3
25
Money lender
0
26
Landlord/ Landlady
0
27
Miner(gold,sand,coal,oil,etc.)
3
28
Military
2
29
Occasional worker with no occupation
17
30
Other (Specify)
27
31
Refused/Prefer not to say
6
Sysmiss
784
DL3.1..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
98
2
No
1121
Sysmiss
784
DL3.1..What is your secondary or side job? If you have more than one secondary job, list all of them.Farm owner
DL3.2..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
54
2
No
1165
Sysmiss
784
DL3.2..What is your secondary or side job? If you have more than one secondary job, list all of them.Farm worker
DL3.3..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
1
2
No
1218
Sysmiss
784
DL3.3..What is your secondary or side job? If you have more than one secondary job, list all of them.Public or health service worker(non-professional)
DL3.4..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
1
2
No
1218
Sysmiss
784
DL3.4..What is your secondary or side job? If you have more than one secondary job, list all of them.Professional, i.e., doctor, teacher, nurse (specify)
DL3.5..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.5..What is your secondary or side job? If you have more than one secondary job, list all of them.Clerk
DL3.6..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
14
2
No
1205
Sysmiss
784
DL3.6..What is your secondary or side job? If you have more than one secondary job, list all of them.Carpenter/mason
DL3.7..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
2
2
No
1217
Sysmiss
784
DL3.7..What is your secondary or side job? If you have more than one secondary job, list all of them.Mechanic
DL3.8..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.8..What is your secondary or side job? If you have more than one secondary job, list all of them.Electrician
DL3.9..What is your secondary or side job? If you have more than one secondary j
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
3
2
No
1216
Sysmiss
784
DL3.9..What is your secondary or side job? If you have more than one secondary job, list all of them.Cleaner/ house help
DL3.10..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
1
2
No
1218
Sysmiss
784
DL3.10..What is your secondary or side job? If you have more than one secondary job, list all of them.Waiter/cook
DL3.11..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
2
2
No
1217
Sysmiss
784
DL3.11..What is your secondary or side job? If you have more than one secondary job, list all of them.Driver,Including public transport (moto-taxi, bus, etc.)
DL3.12..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
2
2
No
1217
Sysmiss
784
DL3.12..What is your secondary or side job? If you have more than one secondary job, list all of them.Tailor
DL3.13..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.13..What is your secondary or side job? If you have more than one secondary job, list all of them.Secretary
DL3.14..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.14..What is your secondary or side job? If you have more than one secondary job, list all of them.Manager
DL3.15..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
2
2
No
1217
Sysmiss
784
DL3.15..What is your secondary or side job? If you have more than one secondary job, list all of them.Watchman/Security/caretaker
DL3.16..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.16..What is your secondary or side job? If you have more than one secondary job, list all of them.Messenger
DL3.17..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.17..What is your secondary or side job? If you have more than one secondary job, list all of them.Policeman/police reserve
DL3.18..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.18..What is your secondary or side job? If you have more than one secondary job, list all of them.Conductor
DL3.19..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
2
2
No
1217
Sysmiss
784
DL3.19..What is your secondary or side job? If you have more than one secondary job, list all of them.Factory employee
DL3.20..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
3
2
No
1216
Sysmiss
784
DL3.20..What is your secondary or side job? If you have more than one secondary job, list all of them.Shop owner
DL3.21..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
6
2
No
1213
Sysmiss
784
DL3.21..What is your secondary or side job? If you have more than one secondary job, list all of them.Salesperson in a store
DL3.22..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
11
2
No
1208
Sysmiss
784
DL3.22..What is your secondary or side job? If you have more than one secondary job, list all of them.Street vendor/hawker(selling grocerties,mama mboga)
DL3.23..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
24
2
No
1195
Sysmiss
784
DL3.23..What is your secondary or side job? If you have more than one secondary job, list all of them.Business owner (specify)
DL3.24..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.24..What is your secondary or side job? If you have more than one secondary job, list all of them.Salonist
DL3.25..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.25..What is your secondary or side job? If you have more than one secondary job, list all of them.Money lender
DL3.26..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.26..What is your secondary or side job? If you have more than one secondary job, list all of them.Landlord/ Landlady
DL3.27..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
1
2
No
1218
Sysmiss
784
DL3.27..What is your secondary or side job? If you have more than one secondary job, list all of them.Miner(gold,sand,coal,oil,etc.)
DL3.28..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
0
2
No
1219
Sysmiss
784
DL3.28..What is your secondary or side job? If you have more than one secondary job, list all of them.Military
DL3.29..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
11
2
No
1208
Sysmiss
784
DL3.29..What is your secondary or side job? If you have more than one secondary job, list all of them.Occasional worker with no occupation
DL3.30..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
22
2
No
1197
Sysmiss
784
DL3.30..What is your secondary or side job? If you have more than one secondary job, list all of them.Other (Specify)
DL3.31..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
957
2
No
262
Sysmiss
784
DL3.31..What is your secondary or side job? If you have more than one secondary job, list all of them. NO secondary job
DL3.32..What is your secondary or side job? If you have more than one secondary
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1219
784
1
Yes
2
2
No
1217
Sysmiss
784
DL3.32..What is your secondary or side job? If you have more than one secondary job, list all of them.Refused/prefer not to say
DL3a. Is your primary job working for the government?
Is your primary job or secondary job working for the government?
1219
784
1
Primary job
50
2
Secondary job
4
3
Primary and secondary job
1
4
Neither
1164
Sysmiss
784
DL4.1. Do you supplement your income by any of the following?Student scholarship
1219
784
1
Yes
3
2
No
1216
Sysmiss
784
DL4.2. Do you supplement your income by any of the following?Government pension
1219
784
1
Yes
5
2
No
1214
Sysmiss
784
DL4.3. Do you supplement your income by any of the following?Pension from a non-
1219
784
1
Yes
2
2
No
1217
Sysmiss
784
DL4.3. Do you supplement your income by any of the following?Pension from a non-government agency
DL4.4. Do you supplement your income by any of the following?Transfers/upkeep mo
1219
784
1
Yes
61
2
No
1158
Sysmiss
784
DL4.4. Do you supplement your income by any of the following?Transfers/upkeep money or in-kind support from a spouse
DL4.5. Do you supplement your income by any of the following?Transfers/upkeep mo
1219
784
1
Yes
26
2
No
1193
Sysmiss
784
DL4.5. Do you supplement your income by any of the following?Transfers/upkeep money or in-kind support from parents
DL4.6. Do you supplement your income by any of the following?Transfers/upkeep mo
1219
784
1
Yes
26
2
No
1193
Sysmiss
784
DL4.6. Do you supplement your income by any of the following?Transfers/upkeep money or in-kind support from a child (children)
DL4.7. Do you supplement your income by any of the following?Remittances/monetar
1219
784
1
Yes
14
2
No
1205
Sysmiss
784
DL4.7. Do you supplement your income by any of the following?Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends
DL4.8. Do you supplement your income by any of the following?Savings
1219
784
1
Yes
156
2
No
1063
Sysmiss
784
DL4.9. Do you supplement your income by any of the following?Interest on stock a
1219
784
1
Yes
20
2
No
1199
Sysmiss
784
DL4.9. Do you supplement your income by any of the following?Interest on stock and shares
DL4.10. Do you supplement your income by any of the following?Government welfare
1219
784
1
Yes
14
2
No
1205
Sysmiss
784
DL4.10. Do you supplement your income by any of the following?Government welfare (including children benefits, disability payments, war veteran benefits, etc.)
DL4.11. Do you supplement your income by any of the following?Other government b
1219
784
1
Yes
27
2
No
1192
Sysmiss
784
DL4.11. Do you supplement your income by any of the following?Other government benefits
DL4.12. Do you supplement your income by any of the following?Other donor/NGO be
1219
784
1
Yes
6
2
No
1213
Sysmiss
784
DL4.12. Do you supplement your income by any of the following?Other donor/NGO benefits
DL4.13. Do you supplement your income by any of the following?Occasional paid as
1219
784
1
Yes
12
2
No
1207
Sysmiss
784
DL4.13. Do you supplement your income by any of the following?Occasional paid assignments, labor for hire
DL4.14. Do you supplement your income by any of the following?Occasionally sell
1219
784
1
Yes
241
2
No
978
Sysmiss
784
DL4.14. Do you supplement your income by any of the following?Occasionally sell my belongings
DL4.15. Do you supplement your income by any of the following?Occasionally grow
1219
784
1
Yes
405
2
No
814
Sysmiss
784
DL4.15. Do you supplement your income by any of the following?Occasionally grow and/or sell agricultural products
DL4.16. Do you supplement your income by any of the following?Government researc
1219
784
1
Yes
3
2
No
1216
Sysmiss
784
DL4.16. Do you supplement your income by any of the following?Government research, business start-up or other type of grant
DL4.17. Do you supplement your income by any of the following?Other (Specify)
1219
784
1
Yes
26
2
No
1193
Sysmiss
784
DL4.18. Do you supplement your income by any of the following?None/I do not have
1219
784
1
Yes
572
2
No
647
Sysmiss
784
DL4.18. Do you supplement your income by any of the following?None/I do not have any additional income (SINGLE ANSWER)
DL4.19. Do you supplement your income by any of the following?Refused (SINGLE AN
1219
784
1
Yes
43
2
No
1176
Sysmiss
784
DL4.19. Do you supplement your income by any of the following?Refused (SINGLE ANSWER)
DL5. You said you did not have a regular job/were not working in the past 12 mon
You said you did not have a regular job/were not working in the past 12 months. What is your main source of money for daily expenses?
771
1232
1
Student scholarship
10
2
Government pension
6
3
Pension from a non-government agency
2
4
Transfers/upkeep money or in-kind support from a spouse
39
5
Transfers/upkeep money or in-kind support from parents
123
6
Transfers/upkeep money or in-kind support from a child (children)
42
7
Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends
32
8
Savings
4
9
Interest on stock and shares
4
10
Government welfare (including children benefits, disability payments, war veteran benefits, etc.)
6
11
Other government benefits
12
12
Other donor/NGO benefits
6
13
Occasional paid assignments, labor for hire
2
14
Occasionally sell my belongings
85
15
Occasionally grow and/or sell agricultural products
227
18
Government research, business start-up or other type of grant
0
19
Other (Specify)
47
20
None/I do not have any income (SINGLE ANSWER)
100
21
Refused (SINGLE ANSWER)
24
Sysmiss
1232
DL5. You said you did not have a regular job/were not working in the past 12 months. What is your main source of money for daily expenses?
DL6.1.What are your other/secondary sources of money?Student scholarship
771
1232
1
Yes
9
2
No
762
Sysmiss
1232
DL6.2.What are your other/secondary sources of money?Government pension
771
1232
1
Yes
5
2
No
766
Sysmiss
1232
DL6.3.What are your other/secondary sources of money?Pension from a non-governme
771
1232
1
Yes
1
2
No
770
Sysmiss
1232
DL6.3.What are your other/secondary sources of money?Pension from a non-government agency
DL6.4.What are your other/secondary sources of money?Transfers/upkeep money or i
771
1232
1
Yes
13
2
No
758
Sysmiss
1232
DL6.4.What are your other/secondary sources of money?Transfers/upkeep money or in-kind support from a spouse
DL6.5.What are your other/secondary sources of money?Transfers/upkeep money or i
771
1232
1
Yes
35
2
No
736
Sysmiss
1232
DL6.5.What are your other/secondary sources of money?Transfers/upkeep money or in-kind support from parents
DL6.6.What are your other/secondary sources of money?Transfers/upkeep money or i
771
1232
1
Yes
8
2
No
763
Sysmiss
1232
DL6.6.What are your other/secondary sources of money?Transfers/upkeep money or in-kind support from a child (children)
DL6.7.What are your other/secondary sources of money?Remittances/monetary or oth
771
1232
1
Yes
17
2
No
754
Sysmiss
1232
DL6.7.What are your other/secondary sources of money?Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends
DL6.8.What are your other/secondary sources of money?Savings
771
1232
1
Yes
8
2
No
763
Sysmiss
1232
DL6.9.What are your other/secondary sources of money?Interest on stock and share
771
1232
1
Yes
2
2
No
769
Sysmiss
1232
DL6.9.What are your other/secondary sources of money?Interest on stock and shares
DL6.10.What are your other/secondary sources of money?Government welfare (includ
771
1232
1
Yes
2
2
No
769
Sysmiss
1232
DL6.10.What are your other/secondary sources of money?Government welfare (including children benefits, disability payments, war veteran benefits, etc.)
DL6.11.What are your other/secondary sources of money?Other government benefits
771
1232
1
Yes
11
2
No
760
Sysmiss
1232
DL6.12.What are your other/secondary sources of money?Other donor/NGO benefits
771
1232
1
Yes
1
2
No
770
Sysmiss
1232
DL6.13.What are your other/secondary sources of money?Occasional paid assignment
771
1232
1
Yes
1
2
No
770
Sysmiss
1232
DL6.13.What are your other/secondary sources of money?Occasional paid assignments, labor for hire
DL6.14.What are your other/secondary sources of money?Occasionally sell my belon
771
1232
1
Yes
48
2
No
723
Sysmiss
1232
DL6.14.What are your other/secondary sources of money?Occasionally sell my belongings
DL6.15.What are your other/secondary sources of money?Occasionally grow and/or s
771
1232
1
Yes
47
2
No
724
Sysmiss
1232
DL6.15.What are your other/secondary sources of money?Occasionally grow and/or sell agricultural products
DL6.18.What are your other/secondary sources of money?Government research, busin
771
1232
1
Yes
3
2
No
768
Sysmiss
1232
DL6.18.What are your other/secondary sources of money?Government research, business start-up or other type of grant
DL6.19.What are your other/secondary sources of money?Other (Specify)
771
1232
1
Yes
30
2
No
741
Sysmiss
1232
DL6.20.What are your other/secondary sources of money?None/I do not have any inc
771
1232
1
Yes
119
2
No
652
Sysmiss
1232
DL6.20.What are your other/secondary sources of money?None/I do not have any income (SINGLE ANSWER)
DL6.21.What are your other/secondary sources of money?Refused (SINGLE ANSWER)
771
1232
1
Yes
43
2
No
728
Sysmiss
1232
DL7.1. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
1122
2
No
881
DL7.1. Do you generate main or additional income from any oth the following sources?Grow something and sell it.
DL7.2. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
417
2
No
1586
DL7.2. Do you generate main or additional income from any oth the following sources?Rear livestock/poultry/fish/bees and sell it or sell by-products of it.
DL7.3. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
39
2
No
1964
DL7.3. Do you generate main or additional income from any oth the following sources?Buy/get agricultural products from farmers and process it/change it to another form (e.g., maize to flour)
DL7.4. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
30
2
No
1973
DL7.4. Do you generate main or additional income from any oth the following sources?Buy/get agricultural products from farmers/processors and sell it
DL7.5. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
28
2
No
1975
DL7.5. Do you generate main or additional income from any oth the following sources?Sell something to farmers for the purpose of farming (e.g., seeds, fertilizers, equipment)
DL7.6. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
9
2
No
1994
DL7.6. Do you generate main or additional income from any oth the following sources?Sell something to processors of farming products for the purpose of processing (packaging, machinery, chemicals)
DL7.7. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
10
2
No
1993
DL7.7. Do you generate main or additional income from any oth the following sources?Make/manufacture something that is used for farming purposes or processing of farming products
DL7.8. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
7
2
No
1996
DL7.8. Do you generate main or additional income from any oth the following sources?Provide a service to farmers or processors of farming products (e.g., renting ploughs, tractors, other equipment)
DL7.9. Do you generate main or additional income from any oth the following sour
2003
0
1
Yes
47
2
No
1956
DL7.9. Do you generate main or additional income from any oth the following sources?Rent land to farmers for farming purposes
DL8.In the past 12 months,how many times did you move from one home to another?(
In the past 12 months, how many times did you move from one home to another?
2003
0
-99
DK/Refused
20
0
1759
1
175
2
25
3
16
4
5
5
2
8
1
DL8.In the past 12 months,how many times did you move from one home to another?(-99 for DK/Refused)
DL9.What was the main reason you moved?
What was the main reason you moved?
224
1779
1
Natural disaster (hurricane, earthquake or flood) destroyed my home
19
2
I could not afford rent, moved to a cheaper place
56
3
I started making more money and moved to a better place
8
4
Relocated for work
13
5
Relocated to take care of parents/children
4
6
Got bankrupt and bank took my house
0
7
Violence in my community
5
8
Evicted, land reclaimed by government or owner (for settlement housing).
0
9
Bought my own house and moved in it
34
10
Urban planning/planned relocation
0
11
Other (Specify)
47
12
No specific reason
38
Sysmiss
1779
DL10.You said you relocated for work, was that a move for a permanent job or did
You said you relocated for work. Was that a move for a permanent job or did you relocate for a seasonal/temporary job?
13
1990
1
Permanent move
5
2
Seasonal/temporary job
5
3
DK/Refused
3
Sysmiss
1990
DL10.You said you relocated for work, was that a move for a permanent job or did you relocate for a seasonal/temporary job?
DL11. How many members are 17 years old or less?
How many members are 17 years old or less?
2003
0
1
Five or more
182
2
Four
237
3
Three
343
4
Two
416
5
One
441
6
None
384
DL12. Do all household members ages 7 to 17 go to school?
Do all household members ages 7 to 17 go to school?
2003
0
1
No
391
2
Yes
973
3
No one in the age range
639
DL13. What is the highest grade that the female head/spouse has successfully com
What is the highest grade that the female head/spouse has successfully completed?
2003
0
1
Never attended school
570
2
Attended and complete none, one or two years
168
3
Years 3 or 4 of primary
208
4
Years 5 or 6 of primary
444
5
There is no female head/spouse
465
6
Anything after 6 years of primary
148
DL13. What is the highest grade that the female head/spouse has successfully completed?
DL14.What is the status of the male head/spouse in his main occupation?
What is the status of the male head/spouse in his main occupation?
2003
0
1
Agricultural wage worker or does not work
189
2
There is no male head/spouse
481
3
Self-employed in agriculture or unpaid worker (homemaker, apprentice, volunteer, etc.)
955
4
Non-agricultural wage worker
187
5
Self-employed in non-agriculture
191
DL15. What is the main material of the floor?
What is the main material of the floor?
2003
0
1
Packed earth
1511
2
Wood,cement,tiles,bricks,stone or other
492
DL16.How many rooms does the household occupy (DO NOT count bathrooms, water clo
How many rooms does the household occupy (DO NOT count bathrooms, water closets or kitchen BUT DO include a living room)?
2003
0
1
One
68
2
Two or three
835
3
Four
684
4
Five
292
5
Six or more
124
DL16.How many rooms does the household occupy (DO NOT count bathrooms, water closets or kitchen BUT DO include a living room)?
DL17. What is the main source of lighting for the household?
What is the main source of lighting for the household?
2003
0
1
Burning wood or other
582
2
Home-made kerosene or fuel-oil lamp (agatadowa)
641
3
ICandles, gas-lamp, solar
379
4
Electrical grid or generator
401
DL18. What is the main fuel used for cooking?
What is the main fuel used for cooking?
2003
0
1
Firewood,field waste or other
1729
2
Charcoal,LPG,electricity or kerosene
274
DL19. Does the household own a radio or a radio-cassette player?
Does the household own a radio or a radio-cassette player?
2003
0
1
Yes
1214
2
No
789
DL20. How many aces of agricultural land does the household own or use?
How many hectares of agricultural land does the household own or use?
2003
0
1
None or less 1
1695
2
1-5
285
3
6-10
13
4
11-35
4
5
36-60
5
6
61-100
1
7
101-150
0
8
151 or more
0
DL21.Please look at this card and tell me which answer best reflects your family
Please look at this card and tell me which answer best reflects your household's financial situation.
2003
0
1
We don't have enough money for food
991
2
We have enough money for food, but buying clothes is difficult
654
3
We have enough money for food and clothes and can save a bit, but not enough to buy expensive goods such as a TV set or
254
4
We can afford to buy certain expensive goods such as a TV set or a refrigerator
57
5
We can afford to buy whatever we want
16
6
DK/Refused
31
DL21.Please look at this card and tell me which answer best reflects your family's financial situation?
DL22. What is the minimum amount you need to survive per week?(Just for basic ne
What is the minimum amount you personally need to survive per week? I am talking about the amount that will cover just your basic needs for food, transport, cooking fuel, and clothes.
2003
0
-99
DK/Refused
25
100
4
120
1
200
3
300
12
400
3
500
90
600
3
700
10
750
1
800
3
900
1
1000
208
1100
1
1200
9
1300
1
1400
3
1500
44
1800
1
2000
232
2500
11
2600
1
2800
1
3000
137
3100
1
3500
6
4000
50
4500
1
5000
353
5600
2
6000
26
6250
1
6500
1
7000
65
8000
17
9000
3
10000
276
10200
1
10500
2
11000
5
11500
1
12000
11
13000
2
14000
19
15000
92
17000
1
18000
5
20000
125
21000
2
25000
17
30000
53
35000
12
40000
10
49000
1
50000
24
60000
2
70000
2
100000
3
140000
2
200000
2
250000
1
500000
1
DL22. What is the minimum amount you need to survive per week?(Just for basic needs such as food,transport,cooking,fuel and clothes.PWF)
DL23.1.Ability to maintain economic welfare: Does anyone in your household curre
Please, tell me:
Does anyone in your household currently have a savings account (including at a bank, SACCO, informal group) and contribute to it at least once a month?
2003
0
1
Yes
641
2
No
1362
DL23.1.Ability to maintain economic welfare: Does anyone in your household currently have a savings account(including at a bank,SACCO, informal group) and contribute to it at least once a month?
DL23.2. Ability to maintain economic welfare:Does anyone in your household curre
Please, tell me:
Does anyone in your household currently have insurance (medical, car, crop, any other)?
2003
0
1
Yes
1413
2
No
590
DL23.2. Ability to maintain economic welfare:Does anyone in your household currently have insurance (medical, car, crop, any other)?
DL23.3. Ability to maintain economic welfare:Does your household own any of the
Please, tell me:
Does your household own any of the following: cultivated land, real estate, investment stocks or shares?
2003
0
1
Yes
1115
2
No
888
DL23.3. Ability to maintain economic welfare:Does your household own any of the following: cultivated land, real estate, investment stocks or shares?
DL23.4. Ability to maintain economic welfare:Does your household own your house
Please, tell me:
Do you own your house (with or without title deed)?
2003
0
1
Yes
1463
2
No
540
DL23.4. Ability to maintain economic welfare:Does your household own your house (with or without title deed)?
DL23.5. In the event of an emergency, could you get extra money through relative
Please, tell me:
In the event of an emergency, could you get extra money through relatives sending money or by selling assets (such as TV, vehicle, etc.)?
2003
0
1
Yes
513
2
No
1490
DL23.5. In the event of an emergency, could you get extra money through relatives sending money or by selling assets (such as land, TV, vehicle, etc?)
DL24.1.In the past 30 days, has anyone in your household skipped a meal to save
Please, tell me:
In the past 30 days, has anyone in your household skipped a meal to save money?
2003
0
1
Yes
89
2
No
1914
DL24.1.In the past 30 days, has anyone in your household skipped a meal to save money?
DL24.2.In the past 30 days, has your house been unlit at night because you could
Please, tell me:
In the past 30 days, has your house been unlit at night because you could not buy charcoal/kerosene/etc. to light the house?
2003
0
1
Yes
413
2
No
1590
DL25.1.In the past year, did your household experience any of the following: cro
Please, tell me:
In the past year, did your household experience any of the following: crop damage, flood, drought, lay-off from work, or business failure?
2003
0
1
Yes
1162
2
No
841
DL25.1.In the past year, did your household experience any of the following: crop damage, flood, drought, lay-off from work, or business failure?
DL25.2. In the past year,did your hosehold experience a death of a family member
Please, tell me:
In the past year, did your household experience a death of a family member or a close relative?
2003
0
1
Yes
409
2
No
1594
DL25.2. In the past year,did your hosehold experience a death of a family member or a close relative?
DL25.3.In the last year, has the household head missed any work because he was t
Please, tell me:
In the last year, has the household head missed any work because he was too sick to work?
2003
0
1
Yes
674
2
No
1329
DL25.3.In the last year, has the household head missed any work because he was too sick to work?
DL25.4.Does your household receive income (upkeep money or regular support) from
Please, tell me:
Does your family receive income (upkeep money or regular support) from a person outside your community or city?
2003
0
1
Yes
88
2
No
1915
DL25.4.Does your household receive income (upkeep money or regular support) from a person outside your community or city?
DL26.1.How many total members does your household have, including adults and chi
Please, tell me:
How many total members does your household have, including adults and children?
2003
0
1
98
2
235
3
369
4
384
5
327
6
264
7
169
8
92
9
62
10
2
12
1
DL26.1.How many total members does your household have, including adults and children?
DL26.2.How many household members earn regular income?
Please, tell me:
How many household members earn regular income?
2003
0
0
1310
1
429
2
232
3
23
4
4
5
4
7
1
DL27. What is the highest grade that the female head/spouse completed?
What is the highest grade that the female head/spouse completed?
2003
0
1
No female head/spouse
711
2
No formal education
496
3
Some primary education
381
4
Primary education completed
282
5
Some secondary education
81
6
Secondary education completed and above
52
DL28.To which Ubudehe category does your household belong?
To which Ubudehe category does your household belong?
2003
0
1
Poorest
140
2
Poorer
582
3
Poor
1195
4
Surviving
61
5
Middle
12
6
Well-off
13
LN1. Can you read this text out loud for me?
Can you read this text for me, please?
ASK THE RESPONDENT TO READ THE CONCENT FORM ABOUT TAKING PHOTOS ON PAGE 65 AND CONFIRM THAT THEY UNDERSTAND IT.
2003
0
1
Respondent read the informed consent form fluently and without any help from the interviewer
589
2
Respondent read the informed consent form well but had a little help from the interviewer
421
3
Respondent struggled to read the informed consent form and had a lot of help from the interviewer
282
4
Respondent unable to read the consent form and requested the interviewer read it to them
711
LN1B. Does the respondent fully understood the informed consent?
Can you read this text for me, please?
ASK THE RESPONDENT TO READ THE CONCENT FORM ABOUT TAKING PHOTOS ON PAGE 65 AND CONFIRM THAT THEY UNDERSTAND IT.
2003
0
1
The respondent fully understood the informed consent form without any help from the interviewer (confirm by asking)
701
2
Respondent understood the informed consent form well but asked for a little help from the interviewer
499
3
Respondent struggled to understand the informed consent form and asked for a lot of help from the interviewer
250
4
Respondent unable to understand the informed consent form and interviewer explained in full using simpler language
553
LN2.1.Evaluate how do you perform in the following. Reading in English
2003
0
1
Cannot do this at all
572
2
Very bad
106
3
Somewhat bad
193
4
Good
449
5
Excellent
683
LN2.2.Evaluate how do you perform in the following. Writing in English
2003
0
1
Cannot do this at all
597
2
Very bad
117
3
Somewhat bad
230
4
Good
413
5
Excellent
646
LN2.3.Evaluate how do you perform in the following. Reading in French
2003
0
1
Cannot do this at all
1561
2
Very bad
89
3
Somewhat bad
135
4
Good
137
5
Excellent
81
LN2.4.Evaluate how do you perform in the following. Writing in French
2003
0
1
Cannot do this at all
1565
2
Very bad
103
3
Somewhat bad
130
4
Good
125
5
Excellent
80
RI4.Would you consent to taking part in a follow up study with us?
Would you consent to taking part in a follow up study with us?
2003
0
1
Yes
1749
2
No
254
RI6.1 How many of those calls and messages are made by you and how many by other
920
1083
1
I make all or almost all, the calls and messages from this phone number
791
2
I make more than half of the calls and messages from this phone number
44
3
I make less than half of the calls and messages from this phone number
22
4
Other people make almost all the calls or messages from this phone number
63
Sysmiss
1083
RI6.1 How many of those calls and messages are made by you and how many by others?From the No.1 Phone
RI6.2 How many of those calls and messages are made by you and how many by other
350
1653
1
I make all or almost all, the calls and messages from this phone number
305
2
I make more than half of the calls and messages from this phone number
23
3
I make less than half of the calls and messages from this phone number
6
4
Other people make almost all the calls or messages from this phone number
16
Sysmiss
1653
RI6.2 How many of those calls and messages are made by you and how many by others?From the No.2 Phone
RI6.3 How many of those calls and messages are made by you and how many by other
83
1920
1
I make all or almost all, the calls and messages from this phone number
80
2
I make more than half of the calls and messages from this phone number
1
3
I make less than half of the calls and messages from this phone number
0
4
Other people make almost all the calls or messages from this phone number
2
Sysmiss
1920
RI6.3 How many of those calls and messages are made by you and how many by others?From the No.3 Phone
RI7.1.How many of those calls and messages are for you and how many are for othe
920
1083
1
All or almost all, the calls and messages to this phone number are for me
786
2
More than half of the calls and messages to this phone number are for me
53
3
Less than half of the calls and messages to this phone number are for me
28
4
Calls and messages to this phone number are almost always for other people
53
Sysmiss
1083
RI7.2.How many of those calls and messages are for you and how many are for othe
350
1653
1
All or almost all, the calls and messages to this phone number are for me
302
2
More than half of the calls and messages to this phone number are for me
29
3
Less than half of the calls and messages to this phone number are for me
5
4
Calls and messages to this phone number are almost always for other people
14
Sysmiss
1653
RI7.3.How many of those calls and messages are for you and how many are for othe
83
1920
1
All or almost all, the calls and messages to this phone number are for me
80
2
More than half of the calls and messages to this phone number are for me
1
3
Less than half of the calls and messages to this phone number are for me
0
4
Calls and messages to this phone number are almost always for other people
2
Sysmiss
1920
RI8.1 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
70
2
No
92
Sysmiss
1841
RI8.2 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
22
2
No
140
Sysmiss
1841
RI8.3 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
15
2
No
147
Sysmiss
1841
RI8.4 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
11
2
No
151
Sysmiss
1841
RI8.5 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
21
2
No
141
Sysmiss
1841
RI8.6 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
7
2
No
155
Sysmiss
1841
RI8.7 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
23
2
No
139
Sysmiss
1841
RI8.8 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
2
2
No
160
Sysmiss
1841
RI8.9 Who beside yourself, make or receive calls or messages on this phone numbe
162
1841
1
Yes
5
2
No
157
Sysmiss
1841
RI8.10 Who beside yourself, make or receive calls or messages on this phone numb
162
1841
1
Yes
79
2
No
83
Sysmiss
1841
QC1. QUESTIONNAIRE ID:
2003
0
1
6289
QC3.1.Accompanied by Supervisor Date
825
2014-12-09
2015-02-18
2014-12-09
1
2014-12-10
5
2014-12-11
10
2014-12-12
18
2014-12-13
16
2014-12-16
13
2014-12-17
25
2014-12-18
14
2014-12-19
33
2014-12-20
20
2014-12-21
21
2014-12-22
26
2014-12-23
23
2014-12-24
32
2014-12-26
20
2014-12-27
24
2014-12-28
36
2014-12-29
32
2014-12-30
30
2014-12-31
32
2015-01-01
2
2015-01-02
27
2015-01-03
36
2015-01-04
26
2015-01-05
30
2015-01-06
31
2015-01-07
36
2015-01-08
29
2015-01-09
31
2015-01-10
31
2015-01-11
19
2015-01-12
8
2015-01-13
26
2015-01-14
20
2015-01-15
23
2015-01-16
9
2015-01-17
1
2015-01-19
3
2015-01-21
1
2015-01-28
2
2015-01-29
1
2015-02-18
2
QC3.2.Reviewed by Supervisor after fieldwork Date
1330
2014-12-10
2015-02-19
2014-12-10
8
2014-12-11
24
2014-12-12
31
2014-12-13
21
2014-12-14
4
2014-12-16
15
2014-12-17
33
2014-12-18
58
2014-12-19
33
2014-12-20
28
2014-12-21
30
2014-12-22
29
2014-12-23
46
2014-12-24
31
2014-12-25
2
2014-12-26
34
2014-12-27
45
2014-12-28
44
2014-12-29
43
2014-12-30
57
2014-12-31
37
2015-01-01
1
2015-01-02
37
2015-01-03
59
2015-01-04
65
2015-01-05
44
2015-01-06
42
2015-01-07
59
2015-01-08
49
2015-01-09
55
2015-01-10
55
2015-01-11
37
2015-01-12
30
2015-01-13
35
2015-01-14
50
2015-01-15
22
2015-01-16
9
2015-01-17
10
2015-01-18
1
2015-01-19
6
2015-01-20
1
2015-01-21
1
2015-01-22
1
2015-01-28
2
2015-02-05
1
2015-02-18
3
2015-02-19
2
QC3.3.Back Checked by Supervisor (Physical Visit) Date
8
2014-12-10
2015-01-03
2014-12-10
1
2014-12-16
5
2015-01-03
2
QC3.4.Back Checked by Supervisor (Phone Call) Date
9
2014-12-16
2015-01-10
2014-12-16
1
2014-12-26
2
2014-12-27
5
2015-01-10
1
2003
0
0.619
2.216
Is the respondent a male or a female?
2003
0
1
Male
686
2
Female
1317
Urban or Rural
2003
0
1
Urban
333
2
Rural
1670
Eco-status
2003
0
0
Above poverty line
191
1
Below poverty line
1812
Do you personally own a mobile phone?
2003
0
1
Yes
863
2
No
1140
Have at least one SIM card
2003
0
1
Yes
929
2
No
1074
Have at least one SIM card with MTN
2003
0
0
No
1217
1
Yes
786
Have at least one SIM card with Tigo
2003
0
0
No
1503
1
Yes
500
Have at least one SIM card with Airtel
2003
0
0
No
1834
1
Yes
169
Literacy
2003
0
0
lack of basic literacy
723
1
Basic literacy
1280
Numeracy
2003
0
0
Lack of basic numeracy
335
1
Basic numeracy
1668
Education
2003
0
1
No formal education
536
2
Primary education
1056
3
Secondary education
276
4
Higher education
66
5
Other
69
Employment Status
2003
0
1
Working within last 12 month
1219
2
Not employed within last 12 months
746
3
Other
25
4
DK/Refused
13
use moblie money within past 30 days
2003
0
0
1727
1
Yes
276
use MTN mobile money within past 30 days
2003
0
0
1832
1
Yes
171
use Airtel money within past 30 days
2003
0
0
1984
1
Yes
19
use Tigo cash within past 30 days
2003
0
0
1852
1
Yes
151
use moblie money within past 90 days
2003
0
0
1629
1
Yes
374
use MTN mobile money within past 90 days
2003
0
0
1773
1
Yes
230
use Airtel money within past 90 days
2003
0
0
1975
1
Yes
28
use Tigo cash within past 90 days
2003
0
0
1788
1
Yes
215
use registered mobile money account within past 30 days
2003
0
0
1758
1
Yes
245
use registered MTN mobile money account within past 30 days
2003
0
0
1855
1
Yes
148
use registered Airtel money account within past 30 days
2003
0
0
1990
1
Yes
13
use registered Tigo cash account within past 30 days
2003
0
0
1878
1
Yes
125
use registered mobile money account within past 90 days
2003
0
0
1686
1
Yes
317
use registered MTN mobile money account within past 90 days
2003
0
0
1806
1
Yes
197
use registered Airtel money account within past 90 days
2003
0
0
1983
1
Yes
20
use registered tigo cash account within past 90 days
2003
0
0
1829
1
Yes
174
have registered mobile money account but didn't use any registered mobile money
2003
0
0
1907
1
Yes
96
have registered mobile money account but didn't use any registered mobile money account in the past 90 days
have registered MTN mobile money account but didn't use it in the past 90 days
2003
0
0
1888
1
Yes
115
have registered Airtel money account but didn't use it in the past 90 days
2003
0
0
1991
1
Yes
12
have registered Tigo cash account but didn't use it in the past 90 days
2003
0
0
1919
1
Yes
84
use mobile money in past 30 days but don't have any registered mobile money acco
2003
0
0
1980
1
yes
23
use mobile money in past 30 days but don't have any registered mobile money account
use MTN mobile money in past 30 days but don't have registered MTN mobile money
2003
0
0
1982
1
yes
21
use MTN mobile money in past 30 days but don't have registered MTN mobile money account
use Airtel money in past 30 days but don't have registered Airtel money account
2003
0
0
1999
1
yes
4
use Tigo cash in past 30 days but don't have registered Tigo cash account
2003
0
0
1992
1
yes
11
use mobile money in past 90 days but don't have any registered mobile money acco
2003
0
0
1962
1
yes
41
use mobile money in past 90 days but don't have any registered mobile money account
use MTN mobile money in past 90 days but don't have registered MTN mobile money
2003
0
0
1970
1
yes
33
use MTN mobile money in past 90 days but don't have registered MTN mobile money account
use Airtel money in past 90 days but don't have registered Airtel money account
2003
0
0
1997
1
yes
6
use Tigo cash in past 90 days but don't have registered Tigo cash account
2003
0
0
1981
1
yes
22
used registered mobile money account in past 7 days and have ever used at least
2003
0
0
1951
1
yes
52
used registered mobile money account in past 7 days and have ever used at least one advanced activity
Access_mm:Adults with access to an MM account(binary)
2003
0
0
MM nonuser
1550
1
MM user
453
Registered_mm: Adults hold a m-money account
2003
0
0
Not hold a m-money account
1590
1
M-money account holder
413
have a registered MTN mobile money account
2003
0
0
No
1748
1
Yes
255
have a registered Airtel money account
2003
0
0
No
1971
1
Yes
32
have a registered Tigo cash account
2003
0
0
No
1745
1
Yes
258
Aware_mm_provider: Adults are aware of at least one of the mobile money provider
2003
0
0
Not aware of mm provider
464
1
Aware of mm provider
1539
Aware_mm_provider: Adults are aware of at least one of the mobile money providers
Not aware of mobile money providers and doesn't use mobile money
2003
0
0
1539
1
yes
464
aware of mobile money providers but doesn't use mobile money
2003
0
0
917
1
yes
1086
used full service bank in past 30 days
2003
0
0
1832
1
Yes
171
used full service bank in past 90 days
2003
0
0
1788
1
Yes
215
used registered full service bank in past 30 days
2003
0
0
1845
1
yes
158
used registered full service bank in past 90 days
2003
0
0
1803
1
yes
200
used full-service bank in past 30 days, but didn't have a registered full servic
2003
0
0
1990
1
yes
13
used full-service bank in past 30 days, but didn't have a registered full service bank account
used full-service bank in past 90 days, but didn't have a registered full servic
2003
0
0
1988
1
yes
15
used full-service bank in past 90 days, but didn't have a registered full service bank account
has a full service bank account, but didn't use bank service in past 90 days
2003
0
0
not applicable
1909
1
yes
94
Have ever used full-service bank
2003
0
0
No
1680
1
yes
323
have a registered full service bank account
2003
0
0
No
1709
1
Yes
294
used full service NBFI in past 30 days
2003
0
0
1803
1
Yes
200
used full service NBFI in past 90 days
2003
0
0
1742
1
Yes
261
used registered full service NBFI account in past 30 days
2003
0
0
1843
1
yes
160
used registered full service NBFI account in past 90 days
2003
0
0
1796
1
yes
207
used full service NBFI in past 30 days but don't have a full service NBFI accoun
2003
0
0
1961
1
yes
42
used full service NBFI in past 30 days but don't have a full service NBFI account
used full service NBFI in past 90 days but don't have a full service NBFI accoun
2003
0
0
1951
1
yes
52
used full service NBFI in past 90 days but don't have a full service NBFI account
have a registered full service NBFI account but didn't use full service NBFI in
2003
0
0
1871
1
yes
132
have a registered full service NBFI account but didn't use full service NBFI in past 90 days
have ever used NBFI
2003
0
0
No
1579
1
Yes
424
have a registered full service NBFI account
2003
0
0
No
1675
1
Yes
328