GHA_2014_FII_v01_M_v01_A_PUF
--
DDI_GHA_2014_FII_v01_M_v01_A_PUF
Development Data Group
2016-11-23
Nesstar Publisher
v01 (November 2016)
GHA_2014_FII_v01_M_v01_A_PUF
--
--
Financial Inclusion Insights Survey 2014
FII 2014
GHA_2014_FII_v01_M_v01_A_PUF
InterMedia
Ipsos Ghana
Nesstar Publisher
CGAP (the Consultative Group to Assist the Poor)
Samuel Schueth
Claudia McKay
Claudia Vonderohe McKay
Other Household Survey [hh/oth]
v01 - edited dataset with direct identifying variables removed
Ghana
All 10 regions in Ghana (Northern, Upper East, Upper West, Brong-Ahafo, Ashanti, Central, Eastern, Western, Volta and Greater Accra).
Adults age 15 and older residing in households
Sample survey data [ssd]
Ipsos Ghana
Face-to-face [f2f]
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_ghana_im_v2.NSDstat
3002
1018
Nesstar 200801
SERIAL. Number
3002
0
1
3336
AA1. Region
3002
0
1
ashanti
590
2
BRONG AHAFO
270
3
CENTRAL REGION
260
4
eastern
320
5
GREATER ACCRA
540
6
northern
270
7
UPPER EAST
120
8
UPPER WEST
81
9
volta
260
10
western
291
AA2. District
3002
0
1
aak
19
2
ABLEKUMA CENTRAL
32
3
ABLEKUMA NORTH
25
4
ABLEKUMA SOUTH
29
5
accra
2
6
adaklu
6
7
ADAKLU ANYIGBE
54
8
ADANSIE EAST
9
9
adedenkpo
2
10
adenta
10
11
adrobaa
1
12
AGONA AHANTA WEST
74
13
AKWAPIM MUNICIPAL
6
14
AKWAPIM NORTH
74
15
ACCRA METROPOLITAN ASSEMBLY
42
16
AMANSIE WEST
20
17
antwima
33
18
ASHAIMAN MUNICIPAL
36
19
AYAWASO CENTRAL
9
20
AYAWASO EAST
31
21
bolgatanga
71
22
bekwai
10
23
berekum
128
24
bosomtwe
10
25
CAPE COAST
184
26
CENTRAL GONJA
15
27
DADE KOTOPON
3
28
DANGBE EAST
18
29
DANGBE WEST
12
30
denyame
5
31
DOME SAPAMAN
1
32
EAST AKIM
20
33
effutu
10
34
EJISU JUABEN
40
35
fanteakwa
10
36
ga
121
37
gomoa
10
38
hak
1
39
ho
199
40
stma
2
41
jinijini
1
42
JUABEN MINICIPAL
5
43
karaga
10
44
KASSENA NANKANA
6
45
kato
1
46
keea
20
47
KINKA WE
2
48
kumasi
299
49
koforikrom
1
50
KPONE KATAMANSO
14
51
kumbongo
0
52
kumbungo
30
53
kuntananse
6
54
kwabre
5
55
kwadaso
16
56
kwaebibirem
10
57
LA DADE KOTOPON
27
58
LEDDZORKUKU KROWOR
31
59
lma
2
60
manhyia
32
61
mfantansa
10
62
mion
7
63
moree
1
64
MPHOK WASSA EAST
28
65
na
0
66
NEW JUABEN
141
67
NHIANSO SUB-METRO
7
68
njma
14
69
NO MINICIPAL
1
70
nsesereso
1
71
NUNGUA LEDZOKUKU
1
72
nyakpala
1
73
nyieso
3
74
oforikrom
49
75
OKAI KOI NORTH
44
76
OKAI KOI SOUTH
0
77
OKAIKOI SOUTH
17
78
OSU KINKA WE
4
79
pokuase
1
80
sagnarigu
52
81
30
82
sekondi
26
83
SEKYERE EAST
10
84
SEKYERE WEST
10
85
shama
50
86
sjunyani
0
87
stma
108
88
subin
4
89
suhum
30
90
sunyani
70
91
tafo
19
92
talensi
40
93
tamale
101
94
TANO NORTH
68
95
TEMA EAST
26
96
tolon
19
97
TONO NORTH
0
98
wa
81
99
WASSA MPOHOR EAST
2
100
WEST MAMPRUSI
10
101
WESTERN AHANTA WEST
1
102
YILO KROBO
10
103
zuarungu
3
AA3. Locality
3002
0
1
ABAKA ANO
10
2
ABBOSSEY OKAI
6
3
abeka
10
4
aboabo
16
5
aboadze
10
6
abuakwa
10
7
abuesi
10
8
ABUTIA AGORVE
11
9
achimota
10
10
ADA BIG ADA
1
11
ADA KEWUNOR
2
12
adabraka
10
13
adaklu
12
14
ADAKLU ANYI GBE
1
15
ADAKLU HELEKPE
2
16
ADAKLU WUMENU
2
17
adantia
10
18
adeambra
20
19
adedekpo
8
20
adisadel
6
21
adrobaa
9
22
ADUM BANSO
10
23
adweso
20
24
adwoso
10
25
AGBO KORPE
9
26
agona
10
27
AGONA NKWANTA
10
28
AGOTIME KPETOE
9
29
AHANTA ABAASA
10
30
ahinsan
9
31
AHSAIMAN MANUWU JUNCTION
1
32
akorfu
1
33
akotokyir
10
34
akpokope
10
35
AKROFO AGORVE
8
36
akwadum
10
37
ALAJO MARKET
9
38
ALAJO PRESBY
1
39
alhaji
10
40
ALL NATIONS CHURCH
1
41
amakom
10
42
amanfol
29
43
AMISANO/ NANBA KROM
7
44
amomoma
11
45
ANKAFUL MENTAL HOSPITAL
10
46
anoe
2
47
anwomaso
20
48
anyaa
3
49
ANYAA AYIGBE TOWN
12
50
ANYAA NIC
8
51
apemeyim
7
52
apewosika
10
53
APIMANIM 01
10
54
APIMANIM NO 2
3
55
aplaku
8
56
APLAKU ISRAEL
2
57
aprobaa
1
58
asafo
10
59
ASAWASE ZONGO
12
60
asawasi
28
61
asenema
10
62
ASH TOWN
18
63
ashaiman
19
64
ASHAIMAN GERRY FISH POND
2
65
ASHAIMAN GOD IS GREAT
1
66
ASHAIMAN KANEWU SUNCITY
1
67
ASHAIMAN VALCO FLAT
2
68
ASHAIMAN ZENU
3
69
ASHIAMAN SENA RADIO
2
70
ashiyie
10
71
ashtown
4
72
asokore
22
73
ASOKORE MAMPONG
8
74
asokwa
10
75
asuoyeboah
10
76
ATONSU BOKRO
10
77
ATONSU KUWAIT
10
78
awoshie
10
79
AYEBRON SUHUM
1
80
ayensiso
1
81
ayigya
10
82
ayimom
10
83
bahilagi
1
84
bakpe
3
85
BAKPE NO2
7
86
balungu
10
87
bamahu
10
88
bantama
20
89
BARRACKS NEW TOWN
8
90
beaho
10
91
bekwai
9
92
BENJUMO AND CO LIMITED
1
93
besease
10
94
betom
10
95
biadan
10
96
BIG ADA
9
97
bihinaayili
4
98
bomaa
10
99
bomso
20
100
bosuso
10
101
BRAFO YAW
10
102
breman
10
103
BUOKROM ESTATE
20
104
BURMA CAMP
10
105
CAPE COAST ADISADEL
11
106
chengli
7
107
chiraa
20
108
choggu
5
109
CHRISTIAN VILLAGE
10
110
corination
5
111
CROSS ROAD PALLADIUM
1
112
daboase
10
113
dabokpa
10
114
dakuma
2
115
dalun
9
116
DANKO MUNICIPAL
7
117
DANSOMAN SAHARA
6
118
daporitdongo
9
119
darko
3
120
darkoman
8
121
deme
10
122
depotidongo
1
123
diare
10
124
dichemso
19
125
DIXCOVE LOWER
10
126
doba
10
127
dome
15
128
DOME SAMPAMAN
9
129
dompoase
11
130
duase
10
131
DUAYAW NKWANTA
10
132
dulan
1
133
EDU RIDGE
3
134
EFFIA KUMA
17
135
effiduase
20
136
ejisu
10
137
ekon
10
138
elimina
10
139
ENOA KOJOKROM
8
140
eshiem
10
141
essikado
10
142
esuakyir
10
143
ewanasadwo
4
144
EWUSIEJO NKWANTA
2
145
ewusiejoe
4
146
fadama
1
147
FANTE NEW TOWN
20
148
FAUSTINA'S HSE
1
149
fayiase
9
150
fiapre
10
151
fijai
10
152
GA WEST
1
153
gabwe
10
154
GAMBILSI YA
3
155
glefe
10
156
GOMOA JUKWA
8
157
gurugu
6
158
H OBARRACKS
2
159
HO AHOE
10
160
HO BANKOE
17
161
HO DOME
5
162
HO HOUSING
3
163
inchaban
10
164
jamdede
10
165
jinijini
10
166
juaben
11
167
jukwa
2
168
jumapo
9
169
KADE OFORIKROM ADOMPO
11
170
kakumdo
10
171
KALADAN BARRACKS
1
172
KAMEWU SUNCITY
7
173
kaneshie
10
174
kanewu
1
175
kasalgu
9
176
katariga
10
177
kato
10
178
KEADASO ESTATE
1
179
kenyase
10
180
kewornor
7
181
KLEF DOME
10
182
kodzobi
10
183
koforidua
29
184
KOFORIDUA NSUKWAO
2
185
kojokrom
10
186
koraso
10
187
KOTOBABI MAMOBI
2
188
kowunor
1
189
kpaguri
11
190
kperisi
6
191
kpongu
10
192
kprisi
4
193
kukuo
7
194
kukurantumi
10
195
kumbungu
7
196
kuntananse
10
197
KUTIRE NO1
11
198
KUTRE NO 2
9
199
kwamo
10
200
kwamoso
15
201
kwaprow
10
202
kwatire
10
203
LABADI MANMI
10
204
labone
10
205
lamashegu
9
206
larshibi
10
207
latebiokoshie
20
208
lekpongunor
10
209
LIGHT HOUSE
6
210
madina
10
211
malshegu
10
212
mamobi
19
213
MAMOBI KOTOBABI
8
214
mandela
10
215
mangu
10
216
manhean
4
217
mapeasem
10
218
MATSE DZAVE
10
219
meduma
10
220
moree
30
221
MOSHIE ZONGO
8
222
mpatapo
10
223
MPOHOR METHODIST JNR HIGH SCH
11
224
nakese
4
225
nakohagu
3
226
nanaba
3
227
nankese
6
228
nasia
10
229
NEW AMANFUL
10
230
NEW FADAMA
9
231
NEW SITE (EFFIAKUMA)
3
232
NEW TAKORADI
11
233
NEW TOWN SUNYANI
5
234
nib
8
235
nima
10
236
nkafoa
10
237
NKAWIE PANYIN
10
238
nksukwao
1
239
nkurankan
10
240
nohani
3
241
NORHT KANESHIE
10
242
NORTH SUNTRESO
10
243
nsapor
10
244
nsesreso
10
245
nsukwao
8
246
nungua
9
247
NUNGUA BARRIER/BUADE
14
248
NUNGUA COCOA BEACH
6
249
nyakpala
10
250
nyamekrom
10
251
nyerizegu
6
252
nyohini
7
253
oduman
10
254
OFO RICHARD
1
255
OFOASE KOKOBEN
10
256
OFORI KROM
30
257
OKRA KWADWO
10
258
OLD TAFO
20
259
OLD TAFO MOSHI ZONGO
10
260
OSU KINKAWE
9
261
otinshie
10
262
oyoko
10
263
PAKY NO2
10
264
PAKYI NO 1
10
265
pankrono
10
266
patasi
10
267
pawlugu
1
268
pedu
20
269
piisi
10
270
pokuase
9
271
polko
10
272
PONG TAMALE
9
273
PUSU NAMONGO
10
274
pwalugu
9
275
ridge
2
276
saforo
10
277
sagnarigu
1
278
sahara
4
279
sakpala
1
280
salaga
1
281
sanasi
1
282
sang
10
283
sankpala
9
284
santasi
9
285
sapeiman
1
286
savelugu
7
287
sekondi
10
288
sempe
1
289
SENA RADIO
1
290
senese
10
291
shama
10
292
SOKODE ANDO
10
293
SOKODE BAGBALE
10
294
SOKODE LOKOE
10
295
sombo
10
296
SOUTH SUNTRESO
10
297
srodae
10
298
suame
10
299
SUHUM/AYEBROM
10
300
SUHYEN/SUNYANI
15
301
sumbrungu
10
302
SUMPO DUNKWA
10
303
TAKLA TOKOR
10
304
tamale
22
305
tamalgu
10
306
tanoso
20
307
tanzul
10
308
TAVIEFE DZEFE
9
309
tekene
1
310
TEMA MANHEAN
5
311
TEMA NEW TOWN
11
312
tewobaabi
10
313
tikene
2
314
tinkong
10
315
tishigi
8
316
TOKOKOE AGBELENGOR
10
317
tolon
10
318
trede
10
319
tshigu
1
320
TSITO/AWUDOME
10
321
tsrefe
2
322
TUVIEFE DZEFE
1
323
UPPER DIXCOVE
5
324
UPPER WEST
1
325
USHER TOWN
9
326
valco
1
327
vitting
10
328
WEST ABBOSSEY OKAI
4
329
WEST TANOKROM
10
330
wikongo
10
331
winneba
10
332
wumenu
8
333
yamfo
20
334
yamoransa
10
335
yensiso
9
336
yikene
7
337
zaare
19
338
zenu
9
339
ziavi
10
340
zongo
15
341
zuarungu
10
342
zuo
2
AA5. EA number
3002
0
100200130
1
1002200005
10
1002200023
10
1002200025
10
1002200028
5
1002200041
10
1002200130
9
100220014
1
100220028
4
1007100031
7
100710031
3
1009100018
9
100910018
1
102200028
1
1041000108
1
104100011
10
1041000119
1
1041000136
1
104100014
11
104100062
10
104100083
10
104100108
9
104100119
9
104100136
9
104100157
9
105301038
10
105301051
9
105301052
10
105302098
11
105303032
10
105303068
8
105303071
10
10530368
2
105304004
10
105304018
10
105304137
10
105304139
10
105304145
3
105304146
17
10531051
1
106100014
10
106100017
9
106100022
9
106100042
4
10610006
9
10610017
1
10610042
6
1061006
1
107100007
6
107100048
9
107100058
1
107100068
10
10710007
4
113
10
115200014
1
16100022
1
164306246
1
20
9
201200061
8
201200105
10
201200145
9
20120045
1
20120061
2
202
1
2023001048
5
202301022
10
202301028
8
202301048
2
202301059
13
202302004
10
202302014
9
202302016
10
202302022
9
202302044
10
202302047
8
202302050
7
202302056
8
202302069
9
20230247
1
20230250
1
2023025056
1
20230256
1
20230269
1
20231059
1
20232014
1
20232069
1
202701011
3
202703001
5
20301028
2
20301059
1
20302047
1
20302069
1
20310000
1
203100004
12
203100015
10
203100020
6
203100027
10
20310004
2
20310020
3
204200004
6
207200017
10
2076
1
208100290
10
215100219
9
21510029
1
216200045
10
240246809
1
301200079
9
301200181
10
301200326
10
301200421
1
301200424
9
301200529
11
301200616
10
30120079
1
301301174
1
302200028
9
302200162
10
302200339
9
302202339
1
302308052
1
30306085
1
303200268
10
303200387
9
303200416
10
30320387
1
303410218
1
304000812
1
304008122
1
30410010
7
30410040
1
304301081
9
304301174
9
304301288
12
30430181
1
304302078
9
304302153
10
304302247
2
304302274
5
30430278
1
304303012
10
304303119
10
304304023
10
304304092
10
304305041
10
304305114
10
304305199
10
304306085
7
304306169
12
304306180
10
304307058
9
3043080
1
304308052
8
304308122
8
304309073
10
304309149
9
30430919
1
304310010
1
304310084
10
304310154
10
304310218
9
30432274
1
30437058
1
305200014
10
306200035
9
306200131
10
306200219
11
307200012
4
30720012
4
307200136
10
307200226
7
30720136
1
30720226
1
30830106
1
308301061
9
308302002
3
308302003
1
308302004
1
308302008
6
308302086
9
308303003
7
308303008
3
30830309
8
308303093
4
309100068
10
310100062
9
310100113
1
310100115
10
34310010
1
37200226
1
405100037
10
406001754
10
406001818
8
4060244
3
406024423
4
407100060
10
407100079
10
407100089
9
407100090
2
407100104
10
40710089
1
408200048
9
408200060
3
408200083
10
408200084
1
408200087
9
408200105
9
408200126
9
40820015
1
408200150
10
408200173
9
40820021
1
408200253
11
408200271
1
408200274
9
408200281
10
408200294
17
408200329
2
408200371
10
40820048
1
408200521
1
408200821
7
40820094
3
40820126
1
408208281
1
4100030
1
411200089
6
411200166
10
41120089
4
41300030
2
413100030
7
471000090
2
47100090
6
501100130
10
501200022
1
50200185
1
502700006
2
503100037
1
503200263
10
504100220
10
504100291
10
506004019
10
506100082
8
506100085
10
506100114
10
506100154
10
506100183
8
506100209
10
506100211
10
50610082
2
50610083
1
50610183
1
507200006
8
507200010
9
507200022
9
507200028
10
507200078
10
50720010
1
507200121
9
507200138
10
507200185
9
507200197
10
507200204
10
507200209
10
507200223
9
50720023
1
507200233
10
507200237
10
507200247
10
507200721
1
508100027
1
508100087
7
50810087
1
512100019
10
513200045
10
513200160
10
514100161
10
602100132
10
602100140
10
604200140
1
607200140
8
607200176
10
610216028
9
610216625
1
610301008
8
61031008
1
611200123
10
611200150
10
611200163
10
611200204
1
611200224
9
61200143
3
612100051
8
612100143
6
61210051
3
61306084
1
61310094
1
61405128
1
6143005
1
614301014
9
614301037
1
61430104
1
614301067
9
614301139
10
614301165
9
614301207
10
614302126
10
614302148
10
61430219
1
614302515
1
614303049
10
614303078
1
614303079
9
614303192
10
614303201
7
614304002
10
614304011
11
614304034
10
61430410
1
614304140
9
614304163
1
614305019
8
614305042
10
614305128
9
614305144
10
614305199
2
614305215
9
61430528
1
614305286
10
614306017
9
614306071
1
614306084
9
614306096
10
61430610
1
614306109
8
614306184
10
61430619
1
614306246
9
614306283
10
614307035
9
614307149
8
614307163
9
614307191
10
614307219
9
614308022
10
614308136
10
614309001
10
614309022
10
614309095
10
614309149
1
614310015
9
61431005
1
614310094
12
61437035
1
61500052
1
615100052
4
615100112
10
61510052
5
617100065
9
61710065
1
619301165
1
620100005
6
62010005
4
620100079
9
62010079
1
62100052
1
621100052
9
62300091
1
623100091
7
62310091
1
70100025
5
704200131
1
704200172
1
707100025
4
707100030
1
707100045
10
707100076
5
707100080
9
707100113
7
70710013
3
70710025
1
70710076
4
7071076
1
708200060
9
708200109
10
709100014
8
70910004
1
709100040
10
709100045
10
709100060
7
709100069
10
709100107
10
70910014
1
70910060
3
710020018
1
710200011
10
710200014
9
710200027
7
710200032
7
710200034
9
71020011
1
710200111
9
710200115
1
710200118
5
710200138
10
71020014
1
710200149
10
710200155
9
710200164
10
71020018
3
71020027
3
71020032
1
71020034
1
71200032
2
7120018
1
715200014
9
716100073
10
718100004
10
78200060
1
802100220
1
804100015
10
804100121
10
810200138
10
810707013
9
811001754
10
811301019
10
811301064
10
811301092
8
81130150
1
811302053
10
811302116
10
811302123
10
811302142
10
811302150
9
811303004
10
811303045
1
811303075
9
811303080
10
811303092
2
81200220
1
812100046
4
812100047
6
812100067
9
812100220
8
812100253
10
81210067
1
813100053
10
813100156
10
813100194
10
814100015
10
81707013
1
820100042
20
820100046
10
903100140
10
904200039
10
904200105
9
904200122
9
904200131
9
904200151
10
904200170
1
904200172
8
905100003
5
90510003
4
905100051
10
905100052
10
905100058
10
9051003
1
907200105
1
909200088
10
909200122
1
AA7. EA Type
3002
0
1
Urban
1645
2
Rural
1357
AA8. Settlement Size
3002
0
1
Capital city
1021
2
250,000 and over
102
3
100,000-249,999
78
4
50,000-99,999
208
5
20,000-49,999
319
6
5,000-19,999
598
7
2,000-4,999
335
8
Under 2,000
341
AA10. Respondent ID number
685
2317
10
2147
AB1. Date(dd.mm.yyyy)
3002
0
01.11.2014
1
01.12.2014
44
02.12.2014
35
03.12.2014
55
04.12.2014
36
05.01.2015
10
05.12.2014
78
06.12.2014
61
07.11.2014
1
07.12.2014
60
08.12.2014
165
09.12.2014
159
10.12.2014
198
11.10.2014
1
11.12.2014
219
12.12.2014
228
13.01.2015
1
13.11.2014
1
13.12.2014
139
14.11.2014
2
14.12.2014
67
15.12.2014
148
16.12.2014
180
17.12.2014
176
18.12.2014
134
19.12.2014
123
20.10.2014
1
20.12.2014
79
21.12.2014
42
22.11.2014
1
22.12.2014
76
23.12.2014
112
24.12.2014
110
25.12.2014
36
26.12.2014
25
27.12.2014
32
29.12.2014
67
30.12.2014
70
31.12.2014
29
AB2. Day of the week
3002
0
1
Monday
573
2
Tuesday
556
3
Wednesday
566
4
Thursday
428
5
Friday
454
6
Saturday
314
7
Sunday
111
AB3.1. Start Time (hh:mm)
3002
0
10:00
46
10:01
8
10:02
4
10:03
7
10:04
18
10:05
5
10:06
2
10:07
5
10:08
6
10:09
18
10:10
7
10:12
13
10:13
1
10:14
2
10:15
33
10:16
1
10:17
4
10:18
3
10:20
34
10:21
7
10:22
4
10:23
5
10:24
3
10:25
3
10:26
3
10:27
6
10:28
6
10:30
38
10:31
5
10:32
3
10:33
2
10:34
2
10:35
17
10:36
3
10:37
1
10:38
2
10:39
21
10:40
6
10:41
2
10:42
3
10:43
4
10:44
11
10:45
3
10:46
5
10:48
2
10:49
3
10:50
24
10:51
4
10:52
3
10:53
2
10:54
2
10:55
4
10:56
2
10:57
4
10:58
2
10:59
45
11:00
9
11:01
8
11:02
4
11:03
2
11:04
24
11:06
5
11:07
1
11:08
4
11:09
7
11:10
26
11:11
2
11:12
6
11:13
4
11:14
5
11:15
26
11:16
1
11:17
1
11:18
4
11:19
39
11:20
8
11:21
5
11:22
3
11:23
2
11:25
11
11:26
8
11:27
4
11:28
1
11:29
2
11:30
44
11:31
3
11:32
1
11:33
6
11:34
9
11:35
2
11:36
3
11:37
1
11:39
33
11:42
5
11:43
4
11:44
2
11:45
14
11:46
5
11:47
3
11:48
2
11:49
4
11:50
24
11:51
5
11:52
4
11:53
4
11:54
5
11:55
4
11:56
4
11:57
3
11:58
6
12:00
68
12:01
11
12:02
5
12:03
3
12:04
6
12:05
14
12:06
5
12:07
3
12:08
7
12:09
35
12:10
7
12:11
3
12:12
1
12:13
4
12:14
15
12:15
6
12:16
3
12:17
4
12:19
6
12:20
24
12:21
2
12:22
1
12:23
1
12:24
4
12:25
13
12:26
5
12:27
2
12:29
41
12:30
7
12:31
8
12:32
3
12:33
2
12:34
8
12:36
3
12:37
5
12:38
3
12:39
6
12:40
26
12:41
2
12:42
6
12:43
5
12:44
3
12:45
22
12:46
2
12:47
4
12:48
2
12:49
20
12:50
5
12:51
4
12:52
1
12:55
6
12:56
3
12:57
2
12:58
5
12:59
5
13:00
47
13:01
8
13:02
14
13:03
3
13:04
12
13:05
7
13:06
3
13:07
1
13:08
4
13:09
30
13:10
3
13:12
9
13:13
1
13:14
1
13:15
20
13:16
5
13:17
6
13:18
1
13:19
5
13:20
25
13:21
11
13:22
1
13:23
1
13:24
10
13:25
1
13:26
3
13:27
2
13:28
3
13:30
25
13:31
4
13:33
3
13:34
2
13:35
11
13:36
5
13:37
3
13:38
4
13:39
22
13:40
4
13:41
4
13:42
3
13:43
1
13:44
16
13:45
5
13:46
3
13:47
1
13:49
3
13:50
27
13:52
3
13:55
10
13:56
2
13:57
4
13:58
2
13:59
44
14:00
10
14:01
4
14:02
7
14:03
1
14:04
13
14:06
5
14:08
2
14:09
4
14:10
18
14:11
4
14:12
7
14:13
5
14:15
13
14:16
1
14:17
2
14:18
3
14:19
22
14:20
6
14:21
4
14:23
2
14:25
5
14:26
2
14:27
1
14:28
3
14:29
5
14:30
23
14:31
3
14:32
3
14:33
1
14:34
9
14:35
3
14:36
2
14:37
3
14:39
10
14:40
2
14:42
1
14:43
2
14:45
8
14:46
2
14:47
1
14:48
3
14:50
13
14:51
2
14:53
2
14:54
5
14:55
1
14:56
1
14:57
1
14:58
1
14:59
1
15:00
46
15:01
3
15:02
1
15:03
4
15:05
8
15:06
5
15:07
2
15:08
5
15:09
13
15:10
2
15:11
3
15:12
2
15:13
1
15:14
11
15:15
4
15:16
2
15:17
2
15:20
25
15:21
4
15:24
1
15:25
4
15:28
2
15:29
18
15:30
7
15:31
1
15:32
1
15:33
1
15:34
6
15:37
2
15:38
2
15:39
1
15:40
12
15:41
3
15:42
1
15:43
3
15:45
7
15:46
1
15:47
4
15:49
13
15:50
1
15:53
1
15:55
6
15:56
1
15:57
1
15:59
5
16:00
25
16:01
3
16:03
2
16:04
2
16:05
2
16:08
1
16:09
13
16:10
3
16:12
3
16:13
1
16:14
2
16:15
7
16:16
1
16:17
1
16:19
1
16:20
6
16:24
5
16:25
1
16:27
1
16:30
13
16:32
4
16:33
1
16:35
4
16:36
1
16:38
4
16:39
5
16:40
1
16:41
3
16:42
1
16:44
5
16:47
2
16:50
8
16:51
2
16:53
1
16:55
2
16:56
1
16:59
7
17:00
1
17:02
1
17:04
2
17:06
3
17:09
1
17:10
5
17:14
2
17:17
1
17:19
8
17:20
1
17:21
1
17:30
1
17:34
1
17:39
4
17:45
1
17:50
1
17:52
1
17:55
1
17:57
1
17:58
1
17:59
1
18:00
7
18:09
1
18:10
1
18:20
2
18:29
1
18:40
1
6:14
1
6:20
1
6:27
1
6:29
1
6:59
1
7:00
3
7:02
1
7:04
2
7:05
1
7:11
1
7:13
1
7:15
5
7:21
1
7:24
1
7:30
3
7:31
1
7:32
1
7:39
3
7:41
1
7:44
1
7:50
4
7:59
16
8:01
1
8:03
2
8:04
3
8:07
2
8:08
1
8:09
2
8:10
8
8:11
1
8:12
2
8:14
3
8:15
5
8:19
9
8:20
3
8:21
2
8:23
1
8:25
1
8:26
2
8:29
1
8:30
11
8:32
3
8:33
2
8:34
5
8:36
1
8:37
1
8:38
1
8:39
8
8:40
1
8:42
1
8:44
1
8:45
4
8:46
1
8:47
1
8:50
6
8:51
5
8:53
1
8:54
2
8:57
2
9:00
47
9:01
2
9:02
2
9:03
2
9:04
3
9:05
11
9:06
3
9:07
4
9:08
1
9:09
34
9:10
2
9:11
3
9:12
1
9:13
3
9:14
16
9:15
1
9:16
3
9:18
1
9:19
2
9:20
21
9:22
2
9:25
8
9:26
3
9:28
2
9:29
36
9:30
6
9:31
2
9:32
3
9:33
1
9:34
4
9:36
5
9:37
1
9:39
3
9:40
14
9:41
2
9:42
2
9:43
2
9:44
3
9:45
17
9:46
4
9:47
6
9:48
1
9:49
21
9:50
1
9:51
2
9:52
1
9:53
4
9:55
6
9:56
2
9:57
1
9:58
5
AB4. End Time (hh:mm)
3002
0
10:00
30
10:01
1
10:02
6
10:03
3
10:04
8
10:05
5
10:06
3
10:07
1
10:08
1
10:09
18
10:10
5
10:12
3
10:13
2
10:14
3
10:15
2
10:16
1
10:17
2
10:18
2
10:20
22
10:21
7
10:22
1
10:23
2
10:24
13
10:25
2
10:26
1
10:27
1
10:28
3
10:30
25
10:31
9
10:32
2
10:33
3
10:34
2
10:35
5
10:36
1
10:37
5
10:38
2
10:39
14
10:40
5
10:41
5
10:42
1
10:43
1
10:44
16
10:45
1
10:46
3
10:48
3
10:49
2
10:50
18
10:51
7
10:52
4
10:53
3
10:54
3
10:55
11
10:56
9
10:57
7
10:58
7
10:59
42
11:00
5
11:01
4
11:02
7
11:03
4
11:04
10
11:06
5
11:07
2
11:08
1
11:09
3
11:10
28
11:11
8
11:12
2
11:14
6
11:15
22
11:16
6
11:17
3
11:18
5
11:19
22
11:20
6
11:21
3
11:22
4
11:23
4
11:25
13
11:26
4
11:27
3
11:28
4
11:29
3
11:30
23
11:31
8
11:32
3
11:33
6
11:34
6
11:35
7
11:36
2
11:37
4
11:38
1
11:39
26
11:40
5
11:42
3
11:43
5
11:44
5
11:45
19
11:46
5
11:47
5
11:48
4
11:49
4
11:50
19
11:51
8
11:52
6
11:53
5
11:54
9
11:55
7
11:56
4
11:57
5
11:58
10
11:59
1
12:00
49
12:01
8
12:02
1
12:03
5
12:04
2
12:05
14
12:06
5
12:07
2
12:08
11
12:09
25
12:10
5
12:11
2
12:12
4
12:13
1
12:14
18
12:15
6
12:16
3
12:17
5
12:19
2
12:20
28
12:21
3
12:22
5
12:23
3
12:24
1
12:25
11
12:26
9
12:27
8
12:28
5
12:29
36
12:30
7
12:31
2
12:32
5
12:33
1
12:34
10
12:36
2
12:37
3
12:39
10
12:40
23
12:41
3
12:42
8
12:43
2
12:44
1
12:45
29
12:46
4
12:47
5
12:48
4
12:49
17
12:50
5
12:51
8
12:52
2
12:53
5
12:55
12
12:56
4
12:57
7
12:58
5
12:59
14
13:00
45
13:01
5
13:02
8
13:03
2
13:04
11
13:05
7
13:06
6
13:07
3
13:08
3
13:09
25
13:10
6
13:12
5
13:13
7
13:14
5
13:15
10
13:16
4
13:17
4
13:18
4
13:19
5
13:20
26
13:21
13
13:22
6
13:23
3
13:24
10
13:25
5
13:26
5
13:27
5
13:28
5
13:30
35
13:31
5
13:32
4
13:33
5
13:34
3
13:35
8
13:36
1
13:37
5
13:38
7
13:39
25
13:40
5
13:41
9
13:43
3
13:44
12
13:45
3
13:46
2
13:47
3
13:49
4
13:50
29
13:51
6
13:52
6
13:53
1
13:54
1
13:55
5
13:56
6
13:57
11
13:58
8
13:59
43
14:00
6
14:01
4
14:02
6
14:03
5
14:04
17
14:06
4
14:07
6
14:08
2
14:09
4
14:10
17
14:11
5
14:13
3
14:14
4
14:15
23
14:16
4
14:17
3
14:18
5
14:19
23
14:20
5
14:21
4
14:22
2
14:23
1
14:25
7
14:26
3
14:27
7
14:28
5
14:29
9
14:30
25
14:31
3
14:32
4
14:33
4
14:34
8
14:35
2
14:36
2
14:37
3
14:38
2
14:39
19
14:40
1
14:42
3
14:43
4
14:44
7
14:45
10
14:46
5
14:48
1
14:49
1
14:50
25
14:51
12
14:52
1
14:53
5
14:54
12
14:55
8
14:56
1
14:57
6
14:58
3
15:00
33
15:01
3
15:02
4
15:03
8
15:04
3
15:05
4
15:06
3
15:07
2
15:08
5
15:09
16
15:10
7
15:11
1
15:12
2
15:13
1
15:14
12
15:15
1
15:16
1
15:17
5
15:19
2
15:20
20
15:21
3
15:22
7
15:23
1
15:24
3
15:25
7
15:26
4
15:27
5
15:29
24
15:30
5
15:31
3
15:34
5
15:37
4
15:38
6
15:39
3
15:40
9
15:41
5
15:42
3
15:43
1
15:44
4
15:45
12
15:46
5
15:47
3
15:48
3
15:49
9
15:50
3
15:51
4
15:52
2
15:55
6
15:56
3
15:57
1
15:58
2
15:59
7
16:00
29
16:01
6
16:02
7
16:03
1
16:04
7
16:05
1
16:07
2
16:08
3
16:09
12
16:10
2
16:12
3
16:13
1
16:14
2
16:15
8
16:17
2
16:18
3
16:19
5
16:20
17
16:21
5
16:22
6
16:23
2
16:24
9
16:25
2
16:26
2
16:27
1
16:28
1
16:30
19
16:31
3
16:32
2
16:33
3
16:34
1
16:35
9
16:36
2
16:37
2
16:38
3
16:39
4
16:40
3
16:43
2
16:44
10
16:45
3
16:46
2
16:47
2
16:50
9
16:51
1
16:52
2
16:53
3
16:54
2
16:55
4
16:56
1
16:57
3
16:58
6
16:59
15
17:00
1
17:01
2
17:02
1
17:03
1
17:04
7
17:07
2
17:09
5
17:10
7
17:11
1
17:13
2
17:15
5
17:16
3
17:17
1
17:19
11
17:20
3
17:21
1
17:22
1
17:25
2
17:26
1
17:28
1
17:29
5
17:30
10
17:31
2
17:34
3
17:36
1
17:37
1
17:38
1
17:39
9
17:40
2
17:42
1
17:43
1
17:44
1
17:45
5
17:46
1
17:47
1
17:48
3
17:49
1
17:50
10
17:51
1
17:52
2
17:53
2
17:54
2
17:55
1
17:57
1
17:58
1
18:00
10
18:03
1
18:05
1
18:06
1
18:08
1
18:09
6
18:14
1
18:17
2
18:19
1
18:20
3
18:29
2
18:30
1
18:31
1
18:32
1
18:34
1
18:38
1
18:40
1
18:42
1
18:49
2
18:55
1
18:57
1
18:59
5
19:05
1
19:15
3
19:25
1
19:27
1
19:30
1
19:35
1
19:39
1
19:41
1
7:04
1
7:07
1
7:23
1
7:38
1
7:55
1
7:58
1
7:59
2
8:00
1
8:02
1
8:04
1
8:12
1
8:15
2
8:20
1
8:22
1
8:25
1
8:27
1
8:30
3
8:34
1
8:35
1
8:38
1
8:39
2
8:42
2
8:45
1
8:46
1
8:50
1
8:51
1
8:54
1
8:57
1
9:00
4
9:01
1
9:02
2
9:03
1
9:05
3
9:08
1
9:09
8
9:10
1
9:12
1
9:14
7
9:15
2
9:19
1
9:20
9
9:21
1
9:22
1
9:23
1
9:24
1
9:25
3
9:28
1
9:29
10
9:30
2
9:31
1
9:32
1
9:33
1
9:34
7
9:36
4
9:38
2
9:39
1
9:40
10
9:41
2
9:42
4
9:43
1
9:44
2
9:45
4
9:47
1
9:48
1
9:49
9
9:50
3
9:51
1
9:52
1
9:53
1
9:55
8
9:56
3
9:57
2
9:58
1
9:59
5
AB5. Duration
3002
0
20
184
AB6.1. Interviewer Number
3002
0
1
AS013
2
2
AS020
68
3
AS021
1
4
AS022
64
5
AS026
1
6
AS029
61
7
AS031
61
8
AS037
60
9
AS064
73
10
AS088
65
11
AS090
58
12
AS093
1
13
AS099
73
14
BA014
17
15
BA015
33
16
BA016
69
17
BA017
47
18
BA018
6
19
BA019
48
20
BA020
49
21
BA022
1
22
BA055
0
23
CR009
19
24
CR011
31
25
CR012
19
26
CR021
1
27
CR028
39
28
CR029
38
29
CR030
34
30
CR031
20
31
CR032
25
32
CR033
2
33
ER005
1
34
ER007
50
35
ER008
53
36
ER020
3
37
ER026
48
38
ER027
48
39
ER028
3
40
ER029
60
41
ER030
54
42
FR117
0
43
GR009
10
44
GR011
6
45
GR012
4
46
GR020
2
47
GR025
45
48
GR027
2
49
GR029
2
50
GR030
6
51
GR031
3
52
GR055
1
53
GR069
1
54
GR108
40
55
GR115
38
56
GR116
1
57
GR135
58
58
GR167
49
59
GR169
46
60
GR188
3
61
GR226
1
62
GR227
2
63
GR236
46
64
GR242
2
65
GR253
14
66
GR254
42
67
GR264
1
68
GR269
43
69
GR270
12
70
GR271
42
71
GR272
47
72
GR284
1
73
GR292
2
74
HR169
0
75
na
0
76
NA070
22
77
NR014
1
78
NR015
1
79
NR016
5
80
NR017
46
81
NR018
30
82
NR035
1
83
NR038
46
84
NR039
45
85
NR051
27
86
NR053
58
87
NR065
57
88
NR066
48
89
NR067
10
90
NR068
30
91
NR069
26
92
NR070
16
93
NR093
1
94
NR119
1
95
S037
1
96
S099
0
97
VR012
43
98
VR013
7
99
VR015
25
100
VR018
7
101
VR022
48
102
VR023
2
103
VR025
1
104
VR026
1
105
VR028
20
106
VR032
75
107
VR034
29
108
VR039
1
109
VRO18
1
110
WR001
11
111
WR005
56
112
WR009
2
113
WR018
9
114
WR019
3
115
WR021
54
116
WR022
1
117
WR054
42
118
WR058
42
119
WR059
46
120
WR068
25
121
WR069
1
AB6.2. Supervisor number
3002
0
1
AS012
399
2
AS013
211
3
B004
117
4
BA004
37
5
BA014
92
6
BA019
15
7
BA04
7
8
BA044
1
9
CR003
3
10
CR010
97
11
CR029
1
12
CR033
121
13
ER022
169
14
ER025
150
15
FR114
1
16
GR010
26
17
GR012
195
18
GR025
1
19
GR033
9
20
GR117
211
21
GR119
1
22
GR138
5
23
GR177
13
24
GR220
113
25
na
15
26
NR015
231
27
NR016
81
28
NR022
2
29
NR030
1
30
NR035
1
31
NR036
115
32
NR038
2
33
NR039
1
34
NT015
1
35
VR013
139
36
VR015
1
37
VR018
11
38
VR025
1
39
VR026
3
40
VR028
105
41
VR038
1
42
WR001
151
43
WR022
145
AB7. Interviewer gender
3002
0
1
Male
2740
2
Female
262
Year respondent was born in by group
3002
0
1
1914-1939
37
2
1940-1959
250
3
1960-1979
734
4
1980-2000
1981
DG2. Is the respondent a male or a female?
3002
0
1
Male
1271
2
Female
1731
DG3. What is your marital status?
3002
0
1
Single/never married
1443
2
Polygamously married
188
3
Monogamously married
928
4
Divorced
100
5
Separated
89
6
Widowed
147
7
Living together/ cohabiting
103
8
Other
1
9
DK/Refused
3
DG4. What is your highest level of education?
3002
0
1
No formal education
353
2
Primary education not complete
320
3
Primary education complete
787
4
Some secondary
362
5
Secondary education complete
682
6
Some secondary vocational training / some certificate
74
7
Secondary vocational training complete / certificate complete
92
8
Some diploma
57
9
Diploma complete
107
10
Some college/university
62
11
Complete university degree
72
12
Post-graduate university degree
19
13
Koranic school
10
14
Other
0
15
DK/Refused
5
DG5.1. Do you have any of the following types of an official identification? Nat
3002
0
1
Yes
551
2
No
2451
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
3002
0
1
Yes
233
2
No
2769
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
3002
0
1
Yes
167
2
No
2835
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
3002
0
1
Yes
499
2
No
2503
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? Vot
3002
0
1
Yes
2689
2
No
313
DG5.5. Do you have any of the following types of an official identification? Voters card
DG5.6. Do you have any of the following types of an official identification? Emp
3002
0
1
Yes
151
2
No
2851
DG5.6. Do you have any of the following types of an official identification? Employee ID (For Government / Civil Servants)
DG5.7. Do you have any of the following types of an official identification? Mil
3002
0
1
Yes
39
2
No
2963
DG5.7. Do you have any of the following types of an official identification? Military ID
DG5.8. Do you have any of the following types of an official identification? Bir
3002
0
1
Yes
1473
2
No
1529
DG5.8. Do you have any of the following types of an official identification? Birth Certificate
DG5.9. Do you have any of the following types of an official identification? Oth
3002
0
1
Yes
1132
2
No
1870
DG5.9. Do you have any of the following types of an official identification? Other
DL1. In the past 12 months, were you mainly...?
In the past 12 months, were you mainly… (READ OUT OPTIONS BELOW)?
3002
0
1
Working full-time for a regular salary
620
2
Working part-time for a regular salary
109
3
Working occasionally, irregular pay
90
4
Self-employed, working for yourself
1092
5
Not working but looking for a job
365
6
Housewife, doing household chores
119
7
Full-time student
423
8
Not working because of retirement
80
9
Not working because of sickness, disability, etc.
59
10
Other
35
11
DK/Refused
10
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)?
1911
1091
1
Farm owner
219
2
Farm worker
53
3
Public or health service worker (non-professional)
26
4
Professional, i.e., doctor, teacher, nurse
84
5
Clerk
20
6
Carpenter/mason
85
7
Mechanic
25
8
Electrician
26
9
Cleaner/house help
12
10
Waiter/cook
73
11
Driver, including public transport (tro-tro, bus, etc.)
54
12
Tailor
142
13
Secretary
12
14
Manager
4
15
Watchman/security/caretaker
16
16
Messenger
4
17
Policeman/police reserve
4
18
Bus/Train conductor
4
19
Factory employee
30
20
Shop owner
83
21
Salesperson in a store
151
22
Street vendor/hawker (selling groceries)
190
23
Business owner
262
24
Salonist
80
25
Money lender
0
26
Landlord/Landlady
3
27
Miner (gold, sand, coal, oil, etc.)
4
28
Military
0
29
Occasional worker with no occupation
8
30
Other
200
31
Refused/prefer not to say
37
Sysmiss
1091
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
1911
1091
1
Yes
87
2
No
1824
Sysmiss
1091
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
1911
1091
1
Yes
37
2
No
1874
Sysmiss
1091
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
1911
1091
1
Yes
1
2
No
1910
Sysmiss
1091
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
1911
1091
1
Yes
5
2
No
1906
Sysmiss
1091
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
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
1911
1091
1
Yes
0
2
No
1911
Sysmiss
1091
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
1911
1091
1
Yes
13
2
No
1898
Sysmiss
1091
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
1911
1091
1
Yes
4
2
No
1907
Sysmiss
1091
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
1911
1091
1
Yes
8
2
No
1903
Sysmiss
1091
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
1911
1091
1
Yes
8
2
No
1903
Sysmiss
1091
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
1911
1091
1
Yes
8
2
No
1903
Sysmiss
1091
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
1911
1091
1
Yes
8
2
No
1903
Sysmiss
1091
DL3.11. What is your secondary or side job? If you have more than one secondary job, list all of them. Driver,Including public tranport(tro-tro,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
1911
1091
1
Yes
3
2
No
1908
Sysmiss
1091
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
1911
1091
1
Yes
2
2
No
1909
Sysmiss
1091
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
1911
1091
1
Yes
1
2
No
1910
Sysmiss
1091
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
1911
1091
1
Yes
1
2
No
1910
Sysmiss
1091
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
1911
1091
1
Yes
0
2
No
1911
Sysmiss
1091
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
1911
1091
1
Yes
0
2
No
1911
Sysmiss
1091
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
1911
1091
1
Yes
0
2
No
1911
Sysmiss
1091
DL3.18. What is your secondary or side job? If you have more than one secondary job, list all of them. Bus/train 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
1911
1091
1
Yes
2
2
No
1909
Sysmiss
1091
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
1911
1091
1
Yes
9
2
No
1902
Sysmiss
1091
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
1911
1091
1
Yes
19
2
No
1892
Sysmiss
1091
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
1911
1091
1
Yes
16
2
No
1895
Sysmiss
1091
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 groceries)
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
1911
1091
1
Yes
31
2
No
1880
Sysmiss
1091
DL3.23. What is your secondary or side job? If you have more than one secondary job, list all of them. Business owner
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
1911
1091
1
Yes
5
2
No
1906
Sysmiss
1091
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
1911
1091
1
Yes
0
2
No
1911
Sysmiss
1091
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
1911
1091
1
Yes
2
2
No
1909
Sysmiss
1091
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
1911
1091
1
Yes
0
2
No
1911
Sysmiss
1091
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
1911
1091
1
Yes
2
2
No
1909
Sysmiss
1091
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
1911
1091
1
Yes
16
2
No
1895
Sysmiss
1091
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
1911
1091
1
Yes
64
2
No
1847
Sysmiss
1091
DL3.30. What is your secondary or side job? If you have more than one secondary job, list all of them. Other
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
1911
1091
1
Yes
1364
2
No
547
Sysmiss
1091
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
What is your secondary or side job? If you have more than one secondary job, list all of them.
PROBE. CHOOSE CODE FROM THE LIST BELOW. SHOW CARD
1911
1091
1
Yes
196
2
No
1715
Sysmiss
1091
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?
1911
1091
1
Primary job
109
2
Secondary job
11
3
Primary and secondary job
5
4
Neither
1786
Sysmiss
1091
DL4.1. Do you supplement your income by any of the following? Student scholarshi
1911
1091
1
Yes
18
2
No
1893
Sysmiss
1091
DL4.1. Do you supplement your income by any of the following? Student scholarship
DL4.2. Do you supplement your income by any of the following? Government pension
1911
1091
1
Yes
30
2
No
1881
Sysmiss
1091
DL4.3. Do you supplement your income by any of the following? Pension from a non
1911
1091
1
Yes
15
2
No
1896
Sysmiss
1091
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 m
1911
1091
1
Yes
380
2
No
1531
Sysmiss
1091
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 m
1911
1091
1
Yes
242
2
No
1669
Sysmiss
1091
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 m
1911
1091
1
Yes
151
2
No
1760
Sysmiss
1091
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/moneta
1911
1091
1
Yes
403
2
No
1508
Sysmiss
1091
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
1911
1091
1
Yes
689
2
No
1222
Sysmiss
1091
DL4.9. Do you supplement your income by any of the following? Interest on stock
1911
1091
1
Yes
49
2
No
1862
Sysmiss
1091
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 welfar
1911
1091
1
Yes
21
2
No
1890
Sysmiss
1091
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
1911
1091
1
Yes
22
2
No
1889
Sysmiss
1091
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 b
1911
1091
1
Yes
14
2
No
1897
Sysmiss
1091
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 a
1911
1091
1
Yes
50
2
No
1861
Sysmiss
1091
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
1911
1091
1
Yes
30
2
No
1881
Sysmiss
1091
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
1911
1091
1
Yes
162
2
No
1749
Sysmiss
1091
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 resear
1911
1091
1
Yes
11
2
No
1900
Sysmiss
1091
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
1911
1091
1
Yes
9
2
No
1902
Sysmiss
1091
DL4.18. Do you supplement your income by any of the following? None/I do not hav
1911
1091
1
Yes
361
2
No
1550
Sysmiss
1091
DL4.18. Do you supplement your income by any of the following? None/I do not have any additional income
DL4.19. Do you supplement your income by any of the following? Refused
1911
1091
1
Yes
301
2
No
1610
Sysmiss
1091
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?
1081
1921
1
Student scholarship
1
2
Government pension
31
3
Pension from a non-government agency
5
4
Transfers/upkeep money or in-kind support from a spouse
148
5
Transfers/upkeep money or in-kind support from parents
582
6
Transfers/upkeep money or in-kind support from a child (children)
79
7
Remittances/monetary or other help from other family members (siblings, cousins, etc.), relatives or friends
163
8
Savings
21
9
Interest on stock and shares
1
10
Government welfare (including children benefits, disability payments, war veteran benefits, etc.)
0
11
Other government benefits
0
12
Other donor/NGO benefits
1
13
Occasional paid assignments, labor for hire
6
14
Occasionally sell my belongings
0
15
Occasionally grow and/or sell agricultural products
6
16
Government research, business start-up or other type of grant
1
17
Other
15
18
None/I do not have any income
5
19
Refused
16
Sysmiss
1921
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
1081
1921
1
Yes
21
2
No
1060
Sysmiss
1921
DL6.2. What are your other/secondary sources of money? Government pension
1081
1921
1
Yes
18
2
No
1063
Sysmiss
1921
DL6.3. What are your other/secondary sources of money? Pension from a non-govern
1081
1921
1
Yes
7
2
No
1074
Sysmiss
1921
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
1081
1921
1
Yes
61
2
No
1020
Sysmiss
1921
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
1081
1921
1
Yes
197
2
No
884
Sysmiss
1921
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
1081
1921
1
Yes
45
2
No
1036
Sysmiss
1921
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 o
1081
1921
1
Yes
280
2
No
801
Sysmiss
1921
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
1081
1921
1
Yes
115
2
No
966
Sysmiss
1921
DL6.9. What are your other/secondary sources of money? Interest on stock and sha
1081
1921
1
Yes
3
2
No
1078
Sysmiss
1921
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 (incl
1081
1921
1
Yes
1
2
No
1080
Sysmiss
1921
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 benefit
1081
1921
1
Yes
2
2
No
1079
Sysmiss
1921
DL6.11. What are your other/secondary sources of money? Other government benefits
DL6.12. What are your other/secondary sources of money? Other donor/NGO benefits
1081
1921
1
Yes
3
2
No
1078
Sysmiss
1921
DL6.13. What are your other/secondary sources of money? Occasional paid assignme
1081
1921
1
Yes
20
2
No
1061
Sysmiss
1921
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 bel
1081
1921
1
Yes
6
2
No
1075
Sysmiss
1921
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
1081
1921
1
Yes
30
2
No
1051
Sysmiss
1921
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, bus
1081
1921
1
Yes
3
2
No
1078
Sysmiss
1921
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
1081
1921
1
Yes
9
2
No
1072
Sysmiss
1921
DL6.20. What are your other/secondary sources of money? None/I do not have any i
1081
1921
1
Yes
423
2
No
658
Sysmiss
1921
DL6.20. What are your other/secondary sources of money? None/I do not have any income
DL6.21. What are your other/secondary sources of money? Refused
1081
1921
1
Yes
99
2
No
982
Sysmiss
1921
DL7.1. Do you generate main or additional income from any of the following sourc
3002
0
1
Yes
522
2
No
2480
DL7.1. Do you generate main or additional income from any of the following sources? Grow something and sell it
DL7.2. Do you generate main or additional income from any of the following sourc
3002
0
1
Yes
212
2
No
2790
DL7.2. Do you generate main or additional income from any of 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 of the following sourc
3002
0
1
Yes
53
2
No
2949
DL7.3. Do you generate main or additional income from any of 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 of the following sourc
3002
0
1
Yes
47
2
No
2955
DL7.4. Do you generate main or additional income from any of the following sources? Buy/get agricultural products from farmers/processors and sell it
DL7.5. Do you generate main or additional income from any of the following sourc
3002
0
1
Yes
32
2
No
2970
DL7.5. Do you generate main or additional income from any of 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 of the following sourc
3002
0
1
Yes
5
2
No
2997
DL7.6. Do you generate main or additional income from any of 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 of the following sourc
3002
0
1
Yes
6
2
No
2996
DL7.7. Do you generate main or additional income from any of 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 of the following sourc
3002
0
1
Yes
4
2
No
2998
DL7.8. Do you generate main or additional income from any of 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 of the following sourc
3002
0
1
Yes
26
2
No
2976
DL7.9. Do you generate main or additional income from any of 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?
3002
0
-99
15
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?
261
2741
1
Natural disaster (hurricane, earthquake or flood) destroyed my home
2
2
I could not afford rent, moved to a cheaper place
29
3
I started making more money and moved to a better place
13
4
Relocated for work
67
5
Relocated to take care of parents/children
23
6
Got bankrupt and bank took my house
2
7
Violence in my community
5
8
Evicted, land reclaimed by government or owner (for settlement housing)
9
9
Bought my own house and moved in it
8
10
Other
55
11
No specific reason
48
Sysmiss
2741
DL10. You said you relocated for work, was that a move for a permanent job or di
You said you relocated for work. Was that a move for a permanent job or did you relocate for a seasonal/temporary job?
67
2935
1
Permanent move
24
2
Seasonal/temporary job
42
3
DK/Refused
1
Sysmiss
2935
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 does your household have?
How many members does the household have?
3002
0
1
Seven or more
485
2
Six
257
3
Five
337
4
Four
426
5
Three
478
6
Two
504
7
One
515
DL12. Are all children ages 5 to 12 in school?
Are all children ages 5 to 12 in school?
3002
0
1
No
807
2
Yes, or no children ages 5 to 12
2195
DL13. What is the highest grade completed by the female head/spouse?
What is the highest grade that the female head/spouse has successfully completed?
3002
0
1
No female head/spouse
785
2
Non or pre-school
543
3
Primary or middle
615
4
Any JSS, SSS, S, L, U, or higher
1059
DL14. Is the main job of the male head/spouse in agriculture?
Is the main job of the male head/spouse in agriculture?
3002
0
1
Male head/spouse has no job
100
2
Yes, main job is in agriculture
490
3
No, main job is not in agriculture
1544
4
No male head/spouse
868
DL15. What is the main construction material for the roof?
What is the main construction material for the roof?
3002
0
1
Palm leaves/raffia/thatch, wood, mud bricks/earth, bamboo or other
168
2
Corrugated iron sheets, cement/concrete, asbestos/slate, or roofing tiles
2834
DL16. What is the main source of lighting for the dwelling?
What is the main source of lighting for the dwelling?
3002
0
1
Not electricity (mains)
181
2
Electricity (mains)
2821
DL17. What is the main source of drinking water for the household?
What is the main source of drinking water for the household?
3002
0
1
Borehole, well (with pump or not, protected or not) or other
530
2
River/stream, rain water/spring, or dugout/pond/lake/dam
199
3
2273
DL18. Does any household member own a working stove (kerosene, electric, or gas)
Does any household member own a working stove (kerosene, electric, or gas)?
3002
0
1
No
1297
2
Yes
1705
DL18. Does any household member own a working stove (kerosene, electric, or gas)?
DL19. Does any household member own a working iron (box or electric)?
Does any household member own a working iron (box or electric)?
3002
0
1
No
619
2
Yes
2383
DL20. Does any household member own a working radio, radio cassette, record play
Does any household member own a working radio, radio cassette, record player, or 3-in1 radio system?
3002
0
1
None
331
2
Only radio
1113
3
Radio cassette but no record player nor 3-in-1 (regardless of radio or cassette)
744
4
Record player but no 3-in-1 (regardless of radio or cassette)
377
5
3-in-1 radio system (regardless of any others)
437
DL20. Does any household member own a working radio, radio cassette, record player, or 3-in-1 radio system?
DL21. Please look at this card and tell me which answer best reflects your famil
Please look at this card and tell me which answer best reflects your household's financial situation.
3002
0
1
We don't have enough money for food
299
2
We have enough money for food, but buying clothes is difficult
749
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
1181
4
We can afford to buy certain expensive goods such as a TV set or a refrigerator
435
5
We can afford to buy whatever we want
280
6
DK/Refused
58
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 n
What is the minimum amount you 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.
3002
0
-999999
1200
DL22. What is the minimum amount you need to survive per week? (Just for basic needs such as food, transport, cooking, fuel and clothes. GHS)
DL23.1. Ability to maintain economic welfare: Does anyone in your household curr
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?
3002
0
1
Yes
1609
2
No
1393
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 curr
Please, tell me:
Does anyone in your household currently have insurance (medical, car, crop, any other)?
3002
0
1
Yes
1765
2
No
1237
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?
3002
0
1
Yes
619
2
No
2383
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)?
3002
0
1
Yes
892
2
No
2110
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.)?
3002
0
1
Yes
1114
2
No
1888
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?
3002
0
1
Yes
404
2
No
2598
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 coul
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?
3002
0
1
Yes
268
2
No
2734
DL24.2. In the past 30 days, has your house been unlit at night because you could not buy charcoal/kerosene/etc. to light the house?
DL25.1. In the past year, did your household experience any of the following: cr
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?
3002
0
1
Yes
360
2
No
2642
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 household experience a death of a family memb
Please, tell me:
In the past year, did your household experience a death of a family member or a close relative?
3002
0
1
Yes
724
2
No
2278
DL25.2. In the past year, did your household 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
Please, tell me:
In the last year, has the household head missed any work because he was too sick to work?
3002
0
1
Yes
647
2
No
2355
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) fro
Please, tell me:
Does your family receive income (upkeep money or regular support) from a person outside your community or city?
3002
0
1
Yes
558
2
No
2444
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 ch
Please, tell me:
How many total members does your household have, including adults and children?
3002
0
1
99
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?
3002
0
0
99
DL27. What is the highest grade that the female head/spouse completed?
What is the highest grade that the female head/spouse completed?
3002
0
1
No female head/spouse
826
2
No formal education
507
3
Some primary education
331
4
Primary education completed
654
5
Some secondary education
281
6
Secondary education completed and above
403
MT1. Do you personally own a mobile phone?
Do you personally have a mobile phone?
3002
0
1
Yes
2743
2
No
259
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?
259
2743
1
Yes
154
2
No
105
Sysmiss
2743
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?
105
2897
1
No one in our house owns a phone
7
2
I don't have anyone to call
14
3
I am not allowed to use a phone by my spouse
1
4
I am not allowed to use a phone by my parents
8
5
I am not allowed to use a phone by other household members
0
6
Using a phone is against my culture/religion
1
7
I don't have money to buy phone
39
8
I d'n?t have money to pay for airtime
3
9
There is no network where I live/work
1
10
I worry about what people in my community would think
1
11
I don't have a need to use a phone
9
12
No specific reason
3
13
Other
18
Sysmiss
2897
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?
154
2848
1
Spouse
42
2
Parent
26
3
Child
38
4
Cousin
6
5
Niece or nephew
1
6
Aunt or uncle
5
7
Grandparent
1
8
Other relative
11
9
Workmate or a business partner
1
10
Neighbor, not a relative
5
11
Mobile Operator's agent/employee
1
12
Friend
9
13
Grandchild
1
14
Other
7
Sysmiss
2848
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?
154
2848
1
Male
84
2
Female
70
Sysmiss
2848
MT7. Do you personally have an active/working SIM card?
Do you personally have an active/working SIM card?
3002
0
1
Yes
2757
2
No
245
MT8.1. How many active/working SIM cards do you have with the following provider
3002
0
0
2591
1
388
2
20
3
2
10
1
MT8.1. How many active/working SIM cards do you have with the following provider? Airtel
MT8.2. How many active/working SIM cards do you have with the following provider
3002
0
0
2973
1
27
2
2
MT8.2. How many active/working SIM cards do you have with the following provider? Expresso
MT8.3. How many active/working SIM cards do you have with the following provider
3002
0
0
2850
1
145
2
6
6
1
MT8.3. How many active/working SIM cards do you have with the following provider? Glo
MT8.4. How many active/working SIM cards do you have with the following provider
3002
0
0
2417
1
578
2
7
MT8.4. How many active/working SIM cards do you have with the following provider? Tigo
MT8.5. How many active/working SIM cards do you have with the following provider
3002
0
0
1127
1
1853
2
19
3
2
4
1
MT8.5. How many active/working SIM cards do you have with the following provider? MTN
MT8.6. How many active/working SIM cards do you have with the following provider
3002
0
0
2093
1
901
2
8
MT8.6. How many active/working SIM cards do you have with the following provider? Vodafone
MT9. You said you don't personally have a SIM card. Do you use a SIM card that b
You said you don't personally have a SIM card. Do you use a SIM card that belongs to somebody else?
245
2757
1
Yes
142
2
No
103
Sysmiss
2757
MT9. You said you don't personally have a SIM card. Do you use a SIM card that belongs to somebody else?
MT10.1. Apart from today, when was the last time you performed the following act
2873
129
1
Yesterday
2536
2
In the past 7 days
252
3
In the past 30 days
54
4
In the past 90 days
17
5
More than 90 days ago
5
6
Never
9
Sysmiss
129
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
2864
138
1
Do everything myself
2737
2
Somebody helps me with part of the activity
99
3
Somebody helps me with entire activity
28
Sysmiss
138
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 act
2873
129
1
Yesterday
2560
2
In the past 7 days
223
3
In the past 30 days
47
4
In the past 90 days
23
5
More than 90 days ago
4
6
Never
16
Sysmiss
129
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
2857
145
1
Do everything myself
2765
2
Somebody helps me with part of the activity
70
3
Somebody helps me with entire activity
22
Sysmiss
145
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 act
2873
129
1
Yesterday
1324
2
In the past 7 days
595
3
In the past 30 days
222
4
In the past 90 days
90
5
More than 90 days ago
37
6
Never
605
Sysmiss
129
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 some
2268
734
1
Do everything myself
1974
2
Somebody helps me with part of the activity
180
3
Somebody helps me with entire activity
114
Sysmiss
734
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 act
2873
129
1
Yesterday
349
2
In the past 7 days
197
3
In the past 30 days
128
4
In the past 90 days
118
5
More than 90 days ago
70
6
Never
2011
Sysmiss
129
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 do
862
2140
1
Do everything myself
792
2
Somebody helps me with part of the activity
52
3
Somebody helps me with entire activity
18
Sysmiss
2140
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 act
2873
129
1
Yesterday
566
2
In the past 7 days
216
3
In the past 30 days
97
4
In the past 90 days
80
5
More than 90 days ago
46
6
Never
1868
Sysmiss
129
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 someon
1005
1997
1
Do everything myself
933
2
Somebody helps me with part of the activity
57
3
Somebody helps me with entire activity
15
Sysmiss
1997
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 act
2873
129
1
Yesterday
242
2
In the past 7 days
221
3
In the past 30 days
193
4
In the past 90 days
123
5
More than 90 days ago
66
6
Never
2028
Sysmiss
129
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
845
2157
1
Do everything myself
755
2
Somebody helps me with part of the activity
74
3
Somebody helps me with entire activity
16
Sysmiss
2157
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 act
2873
129
1
Yesterday
125
2
In the past 7 days
189
3
In the past 30 days
187
4
In the past 90 days
110
5
More than 90 days ago
64
6
Never
2198
Sysmiss
129
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 de
675
2327
1
Do everything myself
555
2
Somebody helps me with part of the activity
90
3
Somebody helps me with entire activity
30
Sysmiss
2327
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 act
2873
129
1
Yesterday
375
2
In the past 7 days
151
3
In the past 30 days
102
4
In the past 90 days
101
5
More than 90 days ago
72
6
Never
2072
Sysmiss
129
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
801
2201
1
Do everything myself
690
2
Somebody helps me with part of the activity
81
3
Somebody helps me with entire activity
30
Sysmiss
2201
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 act
2873
129
1
Yesterday
539
2
In the past 7 days
185
3
In the past 30 days
97
4
In the past 90 days
90
5
More than 90 days ago
42
6
Never
1920
Sysmiss
129
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, Whatsapp, Twitter, Instagram or another social networking site
MT11.9. When you Used Facebook, Whatsapp, Twitter, Instagram or another social n
953
2049
1
Do everything myself
885
2
Somebody helps me with part of the activity
52
3
Somebody helps me with entire activity
16
Sysmiss
2049
MT11.9. When you Used Facebook, Whatsapp, 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 ac
2873
129
1
Yesterday
350
2
In the past 7 days
271
3
In the past 30 days
218
4
In the past 90 days
140
5
More than 90 days ago
120
6
Never
1774
Sysmiss
129
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 he
1099
1903
1
Do everything myself
905
2
Somebody helps me with part of the activity
143
3
Somebody helps me with entire activity
51
Sysmiss
1903
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 ac
2873
129
1
Yesterday
207
2
In the past 7 days
124
3
In the past 30 days
117
4
In the past 90 days
81
5
More than 90 days ago
46
6
Never
2298
Sysmiss
129
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 e.g. OLX,Tonaton
MT11.11. When you Downloaded/used a mobile application e.g. OLX,Tonaton, do you
575
2427
1
Do everything myself
498
2
Somebody helps me with part of the activity
58
3
Somebody helps me with entire activity
19
Sysmiss
2427
MT11.11. When you Downloaded/used a mobile application e.g. OLX,Tonaton, 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 ac
2873
129
1
Yesterday
609
2
In the past 7 days
104
3
In the past 30 days
58
4
In the past 90 days
81
5
More than 90 days ago
59
6
Never
1962
Sysmiss
129
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
911
2091
1
Do everything myself
835
2
Somebody helps me with part of the activity
56
3
Somebody helps me with entire activity
20
Sysmiss
2091
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?
3002
0
1
Yes
1015
2
No
1987
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?
1015
1987
1
Make transactions myself
980
2
Somebody does them on my behalf
35
Sysmiss
1987
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
2967
1
Spouse
3
2
Parent
4
3
Child
8
4
Cousin
1
5
Niece or nephew
1
6
Aunt or uncle
0
7
Grandparent
1
8
Other relative
1
9
Workmate or a business partner
5
10
Neighbor, not a relative
1
11
Mobile Operator's agent/employee
1
12
Friend
3
13
Grandchild
1
14
Other
5
Sysmiss
2967
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
2967
1
Male
20
2
Female
15
Sysmiss
2967
FF5. What is the main reason you do not have a bank account?
What is the main reason you do not have a bank account?
DO NOT READ. CODE TO FIT. SINGLE ANSWER
1987
1015
1
I do not know what it is
15
2
I do not know how to open one
39
3
I do not have a state-issued/national ID or other required documents
28
4
I do not have money to use a bank
947
5
I do not need one, I do not make any transactions
163
6
Registration paperwork is too complicated
25
7
Registration fee is too high
22
8
Using a bank account is difficult
43
9
Fees for using a bank account are too high
26
10
I do not have money to make any transactions with such account
213
11
No one among my friends or family has such account
5
12
I do not understand the purpose of such account, I do not know what I can use it for
16
13
There are no banks/bank agents close to where I live/work
27
14
Banks are not reliable
29
15
Banks do not offer the services I need
3
16
Bank staff/agents are unfriendly; they make me feel unwelcomed
3
17
I can't afford the minimum balance
22
18
Bank hours are not convenient for me
11
19
I never thought about using a bank
63
20
I do not trust banks/that my money is safe in a bank
31
21
I would rather have my money close to me
43
22
I use mobile money
41
23
I don't have time to go to the bank
34
24
I use somebody else's account
14
25
My husband, family, in-laws do not approve of me having a bank account
1
26
I will not be able to go to a bank on my own
16
27
It?s not approved by my religion
0
28
Other
89
29
DK/Refused
18
Sysmiss
1015
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?
1987
1015
1
Yes
59
2
No
1928
Sysmiss
1015
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?
59
2943
1
Spouse
14
2
Parent
10
3
Child
10
4
Cousin
8
5
Niece or nephew
1
6
Aunt or uncle
2
7
Grandparent
1
8
Other relative
3
9
Workmate or a business partner
2
10
Neighbor, not a relative
0
11
Mobile Operator's agent/employee
0
12
Friend
4
13
Grandchild
0
14
Other
4
Sysmiss
2943
FF8. What is the gender of the person of FF7?
What is the gender of that person?
59
2943
1
Male
41
2
Female
18
Sysmiss
2943
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.
1074
1928
1
Loans and at least one of the following: Savings, money transfers, insurance, investment
1002
2
Only loans and no other financial services
45
3
None of the above
27
Sysmiss
1928
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
1002
2000
1
Yes
437
2
No
372
3
DK/Refused
193
Sysmiss
2000
FF10.1. 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
FF10.2. Does the statement apply to your bank account or a bank account you use
1002
2000
1
Yes
734
2
No
207
3
DK/Refused
61
Sysmiss
2000
FF10.2. 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
FF10.3. Does the statement apply to your bank account or a bank account you use
1002
2000
1
Yes
548
2
No
284
3
DK/Refused
170
Sysmiss
2000
FF10.3. Does the statement apply to your bank account or a bank account you use that belongs to someone else? You can transfer money 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
3002
0
0
2775
1
216
2
10
3
1
FF12.1. How many of the following type of bank accounts of other people can you
3002
0
0
2999
1
3
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
3002
0
0
2110
1
851
2
38
3
3
FF12.2. How many of the following type of bank accounts of other people can you
3002
0
0
2972
1
30
FF12.2. How many of the following type of bank accounts of other people can you use? Savings
FF11.3. How many of the following type of bank account do you have? Student
3002
0
0
2979
1
15
2
8
FF12.3. How many of the following type of bank accounts of other people can you
3002
0
0
3001
1
1
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? Fixed
3002
0
0
2981
1
16
2
5
FF12.4. How many of the following type of bank accounts of other people can you
3002
0
0
3002
FF12.4. How many of the following type of bank accounts of other people can you use? Fixed
FF11.5. How many of the following type of bank account do you have? Other
3002
0
0
2998
1
3
2
1
FF12.5. How many of the following type of bank accounts of other people can you
3002
0
0
3002
FF12.5. How many of the following type of bank accounts of other people can you use? Other
FF14. Apart from today, when was the last time you made a deposit or withdrawal
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?
1002
2000
1
Yesterday
29
2
In the past 7 days
187
3
In the past 30 days
384
4
In the past 90 days
176
5
More than 90 days ago
195
6
Never
31
Sysmiss
2000
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 o
971
2031
1
Yes
947
2
No
24
Sysmiss
2031
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
947
2055
1
0.5 km or less
212
2
More than 0.5 km to 1km
283
3
More than 1km to 5km
325
4
More than 5km to 10km
65
5
More than 10km to 15km
37
6
More than 15km
25
Sysmiss
2055
FF17.1. If you have to walk, how many minutes does it take you to get to the clo
947
2055
1
15 minutes or less
246
2
More than 15 to 30 minutes
273
3
More than 30 minutes to an hour
231
4
More than an hour to 2 hours
110
5
More than 2 hours to 4 hours
40
6
More than 4 hours
47
Sysmiss
2055
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 closest ..., what is th
3002
0
0
1200
FF17A.1. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? 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 o
971
2031
1
Yes
453
2
No
518
Sysmiss
2031
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
453
2549
1
0.5 km or less
88
2
More than 0.5 km to 1km
162
3
More than 1km to 5km
150
4
More than 5km to 10km
27
5
More than 10km to 15km
15
6
More than 15km
11
Sysmiss
2549
FF17.2. If you have to walk, how many minutes does it take you to get to the clo
453
2549
1
15 minutes or less
125
2
More than 15 to 30 minutes
150
3
More than 30 minutes to an hour
104
4
More than an hour to 2 hours
41
5
More than 2 hours to 4 hours
13
6
More than 4 hours
20
Sysmiss
2549
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 closest ..., what is th
3002
0
0
150
FF17A.2. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? ATM
FF15.3. When you use a bank account for any financial activity, do you use any o
971
2031
1
Yes
88
2
No
883
Sysmiss
2031
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 t
88
2914
1
0.5 km or less
19
2
More than 0.5 km to 1km
27
3
More than 1km to 5km
32
4
More than 5km to 10km
6
5
More than 10km to 15km
4
6
More than 15km
0
Sysmiss
2914
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 clo
88
2914
1
15 minutes or less
19
2
More than 15 to 30 minutes
23
3
More than 30 minutes to an hour
23
4
More than an hour to 2 hours
17
5
More than 2 hours to 4 hours
4
6
More than 4 hours
2
Sysmiss
2914
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 closest ..., what is th
3002
0
0
60
FF17A.3. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? 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 o
971
2031
1
Yes
11
2
No
960
Sysmiss
2031
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? Indepe
11
2991
1
0.5 km or less
3
2
More than 0.5 km to 1km
4
3
More than 1km to 5km
3
4
More than 5km to 10km
0
5
More than 10km to 15km
1
6
More than 15km
0
Sysmiss
2991
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 clo
11
2991
1
15 minutes or less
4
2
More than 15 to 30 minutes
3
3
More than 30 minutes to an hour
1
4
More than an hour to 2 hours
2
5
More than 2 hours to 4 hours
1
6
More than 4 hours
0
Sysmiss
2991
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 closest ..., what is th
3002
0
0
2991
1
6
2
2
3
2
5
1
FF17A.4. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? Independent banking agent
FF15.5. When you use a bank account for any financial activity, do you use any o
971
2031
1
Yes
15
2
No
956
Sysmiss
2031
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 o
971
2031
1
Yes
16
2
No
955
Sysmiss
2031
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 o
971
2031
1
Yes
15
2
No
956
Sysmiss
2031
FF15.7. When you use a bank account for any financial activity, do you use any of the following? A door-to-door agent or another financial institution
FF15.8. When you use a bank account for any financial activity, do you use any o
971
2031
1
Yes
7
2
No
964
Sysmiss
2031
FF15.8. 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
FF15.9. When you use a bank account for any financial activity, do you use any o
971
2031
1
Yes
0
2
No
971
Sysmiss
2031
FF15.9. When you use a bank account for any financial activity, do you use any of the following? Other
FF16.9. How far (in km) is the closest ... from the place where you live? Other
0
3002
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
3002
FF17.9. If you have to walk, how many minutes does it take you to get to the clo
0
3002
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
3002
FF17.9. If you have to walk, how many minutes does it take you to get to the closest ... from the place where you live? Other
FF17A.9. If you have to take any transport to get to the closest ..., what is th
3002
0
0
3002
FF17A.9. If you have to take any transport to get to the closest ..., what is the typical/average amount you will have to pay (GHS)? Other
FF18.1. Of the different ways you use a bank for financial activities, which is
947
2055
1
Over the counter in a branch of the bank
899
2
atm
47
3
Bank's website
1
4
Mobile app
0
5
Over the counter at a retail store/designated banking agent
0
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
Sysmiss
2055
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
453
2549
1
Over the counter in a branch of the bank
38
2
atm
409
3
Bank's website
0
4
Mobile app
3
5
Over the counter at a retail store/designated banking agent
1
6
Other banking agent
2
7
Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money
0
Sysmiss
2549
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
12
2990
1
Over the counter in a branch of the bank
1
2
atm
0
3
Bank's website
0
4
Mobile app
0
5
Over the counter at a retail store/designated banking agent
7
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
1
Sysmiss
2990
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
15
2987
1
Over the counter in a branch of the bank
6
2
atm
0
3
Bank's website
0
4
Mobile app
1
5
Over the counter at a retail store/designated banking agent
0
6
Other banking agent
6
7
Through a mobile wallet by transferring money from my bank account to my phone and then withdrawing from a mobile money
2
Sysmiss
2987
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
971
2031
1
Yes
897
2
No
74
Sysmiss
2031
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
3002
0
0
41
FF20.1. In the past 30 days, how many times did you use a bank account for such activities? Deposit money
FF19.2. Which of the following have you ever done using a bank account? Withdraw
971
2031
1
Yes
924
2
No
47
Sysmiss
2031
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
3002
0
0
36
FF20.2. In the past 30 days, how many times did you use a bank account for such activities? Withdraw money
FF19.3. Which of the following have you ever done using a bank account? Buy airt
971
2031
1
Yes
19
2
No
952
Sysmiss
2031
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
3002
0
0
2986
1
4
2
5
3
4
4
1
5
1
7
1
FF20.3. In the past 30 days, how many times did you use a bank account for such activities? Buy airtime top-ups
FF19.4. Which of the following have you ever done using a bank account? Pay a sc
971
2031
1
Yes
90
2
No
881
Sysmiss
2031
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
3002
0
0
25
FF20.4. In the past 30 days, how many times did you use a bank account for such activities? Pay a school fee
FF19.5. Which of the following have you ever done using a bank account? Pay a me
971
2031
1
Yes
16
2
No
955
Sysmiss
2031
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
3002
0
0
2994
1
7
2
1
FF20.5. In the past 30 days, how many times did you use a bank account for such activities? Pay a medical bill
FF19.6. Which of the following have you ever done using a bank account? Pay an e
971
2031
1
Yes
26
2
No
945
Sysmiss
2031
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
3002
0
0
2985
1
12
2
4
6
1
FF20.6. In the past 30 days, how many times did you use a bank account for such activities? Pay an electricity bill
FF19.7. 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?
971
2031
1
Yes
16
2
No
955
Sysmiss
2031
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
In the past 30 days, how many times did you use a bank account for such activities?
3002
0
0
2990
1
12
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
FF19.8. 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?
971
2031
1
Yes
4
2
No
967
Sysmiss
2031
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
In the past 30 days, how many times did you use a bank account for such activities?
3002
0
0
3001
1
1
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
FF19.9. Which of the following have you ever done using a bank account? Pay TV/c
Which of the following have you ever done using a bank account?
971
2031
1
Yes
11
2
No
960
Sysmiss
2031
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
In the past 30 days, how many times did you use a bank account for such activities?
3002
0
0
2994
1
7
2
1
FF20.9. In the past 30 days, how many times did you use a bank account for such activities? Pay TV/cable/satellite bill
FF19.10. Which of the following have you ever done using a bank account? Pay a g
Which of the following have you ever done using a bank account?
971
2031
1
Yes
18
2
No
953
Sysmiss
2031
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?
3002
0
0
2990
1
10
2
1
4
1
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
FF19.11. Which of the following have you ever done using a bank account? Pay oth
Which of the following have you ever done using a bank account?
971
2031
1
Yes
17
2
No
954
Sysmiss
2031
FF19.11. Which of the following have you ever done using a bank account? Pay other bill
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?
3002
0
0
2991
1
8
2
1
3
2
FF20.11. In the past 30 days, how many times did you use a bank account for such activities? Pay other bill
FF19.12. Which of the following have you ever done using a bank account? Send mo
Which of the following have you ever done using a bank account?
971
2031
1
Yes
134
2
No
837
Sysmiss
2031
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?
3002
0
0
2925
1
46
2
21
3
5
4
3
6
1
12
1
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
FF19.13. Which of the following have you ever done using a bank account? Send mo
Which of the following have you ever done using a bank account?
971
2031
1
Yes
160
2
No
811
Sysmiss
2031
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?
3002
0
0
2913
1
54
2
26
3
5
4
3
12
1
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
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?
971
2031
1
Yes
218
2
No
753
Sysmiss
2031
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?
3002
0
0
2880
1
72
2
28
3
20
4
1
15
1
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
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?
971
2031
1
Yes
189
2
No
782
Sysmiss
2031
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?
3002
0
0
23
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
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?
971
2031
1
Yes
28
2
No
943
Sysmiss
2031
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?
3002
0
0
2983
1
17
2
2
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
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?
971
2031
1
Yes
23
2
No
948
Sysmiss
2031
FF19.17. Which of the following have you ever done using a bank account? Receive other benefit payments from the government or government agency
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?
3002
0
0
2990
1
12
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
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?
971
2031
1
Yes
104
2
No
867
Sysmiss
2031
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?
3002
0
0
30
FF20.18. In the past 30 days, how many times did you use a bank account for such activities? 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?
971
2031
1
Yes
23
2
No
948
Sysmiss
2031
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?
3002
0
0
2986
1
15
2
1
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)
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?
971
2031
1
Yes
5
2
No
966
Sysmiss
2031
FF19.20. Which of the following have you ever done using a bank account? Pay for large acquisitions, including land, cattle, residence
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?
3002
0
0
3000
1
2
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, residence
FF19.21. Which of the following have you ever done using a bank account? Make in
Which of the following have you ever done using a bank account?
971
2031
1
Yes
26
2
No
945
Sysmiss
2031
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?
3002
0
0
2989
1
11
2
2
FF20.21. In the past 30 days, how many times did you use a bank account for such activities? 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?
971
2031
1
Yes
14
2
No
957
Sysmiss
2031
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?
3002
0
0
2997
1
5
FF20.22. In the past 30 days, how many times did you use a bank account for such activities? Receive claims on insurance
FF19.23. Which of the following have you ever done using a bank account? Take a
Which of the following have you ever done using a bank account?
971
2031
1
Yes
20
2
No
951
Sysmiss
2031
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?
3002
0
0
3000
1
2
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
FF19.24. Which of the following have you ever done using a bank account? Give a
Which of the following have you ever done using a bank account?
971
2031
1
Yes
15
2
No
956
Sysmiss
2031
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?
3002
0
0
2994
1
5
2
3
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
FF19.25. Which of the following have you ever done using a bank account? Save mo
Which of the following have you ever done using a bank account?
971
2031
1
Yes
93
2
No
878
Sysmiss
2031
FF19.25. Which of the following have you ever done using a bank account? Save money for a 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?
3002
0
0
2952
1
37
2
10
3
2
6
1
FF20.25. In the past 30 days, how many times did you use a bank account for such activities? Save money for a future purchase or payment
FF19.26. Which of the following have you ever done using a bank account? Set asi
Which of the following have you ever done using a bank account?
971
2031
1
Yes
49
2
No
922
Sysmiss
2031
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?
3002
0
0
2972
1
24
2
6
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
FF19.27. Which of the following have you ever done using a bank account? Set mon
Which of the following have you ever done using a bank account?
971
2031
1
Yes
71
2
No
900
Sysmiss
2031
FF19.27. Which of the following have you ever done using a bank account? Set money aside just in case/for an undetermined purpose
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?
3002
0
0
2963
1
31
2
4
3
2
4
1
7
1
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 undetermined purpose
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?
971
2031
1
Yes
16
2
No
955
Sysmiss
2031
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?
3002
0
0
2993
1
8
7
1
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
FF19.29. Which of the following have you ever done using a bank account? Pay in
Which of the following have you ever done using a bank account?
971
2031
1
Yes
31
2
No
940
Sysmiss
2031
FF19.29. Which of the following have you ever done using a bank account? 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
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?
3002
0
0
30
FF20.29. In the past 30 days, 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
FF19.30. Which of the following have you ever done using a bank account? Pay rem
Which of the following have you ever done using a bank account?
971
2031
1
Yes
11
2
No
960
Sysmiss
2031
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?
3002
0
0
2994
1
3
2
5
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
FF19.31. Which of the following have you ever done using a bank account? Transfe
Which of the following have you ever done using a bank account?
971
2031
1
Yes
30
2
No
941
Sysmiss
2031
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?
3002
0
0
2993
1
5
2
3
5
1
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
FF19.32. Which of the following have you ever done using a bank account? Transfe
Which of the following have you ever done using a bank account?
971
2031
1
Yes
13
2
No
958
Sysmiss
2031
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?
3002
0
0
2998
1
3
2
1
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
FF19.33. Which of the following have you ever done using a bank account? Transfe
Which of the following have you ever done using a bank account?
971
2031
1
Yes
11
2
No
960
Sysmiss
2031
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?
3002
0
0
2994
1
6
2
1
10
1
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.)
FF19.34. Which of the following have you ever done using a bank account? Pay ren
Which of the following have you ever done using a bank account?
971
2031
1
Yes
11
2
No
960
Sysmiss
2031
FF19.34. Which of the following have you ever done using a bank account? Pay rent
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?
3002
0
0
2996
1
6
FF20.34. In the past 30 days, how many times did you use a bank account for such activities? Pay rent
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
971
2031
1
Yes
25
2
No
946
Sysmiss
2031
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?
Do you use a bankaccount for the following business payments/purchases? Pay suppliers
971
2031
1
Yes
20
2
No
951
Sysmiss
2031
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
971
2031
1
Yes
39
2
No
932
Sysmiss
2031
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?
Do you use a bankaccount for the following business payments/purchases? Receive payments from distributors
971
2031
1
Yes
22
2
No
949
Sysmiss
2031
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?
971
2031
1
Yes
16
2
No
955
Sysmiss
2031
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?
971
2031
1
Yes
12
2
No
959
Sysmiss
2031
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?
971
2031
1
Yes
16
2
No
955
Sysmiss
2031
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?
971
2031
1
Yes
4
2
No
967
Sysmiss
2031
FF21.8. Do you use a bank account for the following business payments/purchases? Other
FF21.9. Do you use a bank account for the following business payments/purchases?
971
2031
1
Yes
745
2
No
226
Sysmiss
2031
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
487
2
No
258
Sysmiss
2257
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
52
2
No
693
Sysmiss
2257
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
30
2
No
715
Sysmiss
2257
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
76
2
No
669
Sysmiss
2257
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
24
2
No
721
Sysmiss
2257
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
129
2
No
616
Sysmiss
2257
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
136
2
No
609
Sysmiss
2257
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
8
2
No
737
Sysmiss
2257
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/purc
DO NOT READ. CODE TO FIT. ALLOW FOR MULTIPLE ANSWERS
745
2257
1
Yes
24
2
No
721
Sysmiss
2257
FF22.9. You said you do not use this bank account for any business payments/purchases. Please tell me why? DK/Refused
FF23. What was the date of the activity?
3002
0
-99
122014
FF23A. What type of transactions was it (i.e. sending money, depositing, withdra
855
0
BOTH
1
CHECK BALANCE
1
DEOPOSITING
1
DEPOSIT
112
DEPOSIT MONEY
1
DEPOSIT/WITHDRAWAL
1
DEPOSITE
8
DEPOSITE AND WITHDRAWING
1
DEPOSITIN G
1
DEPOSITING
152
DEPOSITING WITHDRAWING
2
DEPOSITING, WITHDRAWING
1
DEPOSITTING
1
DEPSITING
1
DRAWING
2
PAYMENT OF SCHOOL FEES
1
RECEIVING
1
SAVINGS
2
SENDING
19
SENDING MONEY
4
SENDING WITHDRAWING
1
TAKE A BANK ACCOUNT
1
WENT FOR A STATEMENT
1
WITDRAW
1
WITDRAWAL
1
WITH DRAWAL
1
WITHDARAWAL
1
WITHDRAW
134
WITHDRAW MONEY
1
WITHDRAWAL
90
WITHDRAWAL OF MONEY
1
WITHDRAWING
290
WITHDRAWING DEPOSITING
2
WITHDRWAL
2
WITHRWAL
1
deposit
2
depositing
3
saving
1
withdraw
2
withdrawal
3
withdrawing
3
FF23A. What type of transactions was it (i.e. sending money, depositing, withdrawing, airtime top ups, etc.)?
FF24. How long did it take you to get to the bank? (Minutes)
3002
0
0
999
FF25. How much, if anything, did you have to pay in transportation costs? (GHS)
3002
0
-9999
400
FF26. What was the amount of your transaction? (GHS)
3002
0
0
10000
FF27. How long did the activity take, including standing in the queue? (Minutes)
3002
0
0
999
FF28. How much did you have to pay for the financial activity? (GHS)
3002
0
-9999
300
FF29. Did the agent/teller charge you extra fees beyond official fees for the tr
855
2147
1
Yes
15
2
No
800
3
Dk/Refused
40
Sysmiss
2147
FF29. Did the agent/teller charge you extra fees beyond official fees for the transaction?
FF30. Were you able to complete the activity?
855
2147
1
Yes
845
2
No
10
Sysmiss
2147
MM1. Have you ever heard of something called Mobile Money?
Have you ever heard of something called Mobile Money?
3002
0
1
Yes
2845
2
No
157
MM2.1. Tell me the name of mobile money service that you are aware of? Spontaneo
Please tell me the names of any mobile money services that you are aware of?
SPONTANEOUS RECALL
3002
0
1
Yes
2657
2
No
345
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? Spontaneo
Please tell me the names of any mobile money services that you are aware of?
SPONTANEOUS RECALL
3002
0
1
Yes
1205
2
No
1797
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? Spontaneo
Please tell me the names of any mobile money services that you are aware of?
SPONTANEOUS RECALL
3002
0
1
Yes
1517
2
No
1485
MM2.3. Tell me the name of mobile money service that you are aware of? Spontaneous recall Tigo cash
MM3.1. Have you ever heard about the following mobile money service? Prompted re
Have you ever heard about the following mobile money services?
345
2657
1
Yes
184
2
No
161
Sysmiss
2657
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 re
Have you ever heard about the following mobile money services?
1797
1205
1
Yes
976
2
No
821
Sysmiss
1205
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 re
Have you ever heard about the following mobile money services?
1485
1517
1
Yes
839
2
No
646
Sysmiss
1517
MM3.3. Have you ever heard about the following mobile money service? Prompted recall Tigo cash
MM4.1. From which source of information did you first learn about this mobile mo
From which source of information did you first heard about this mobile money service?
2841
161
1
Radio
809
2
tv
1512
3
Billboards/posters
32
4
Newspapers or magazines
9
5
Family members in this household
116
6
Family members in another household
50
7
Other relatives, friends, neighbors
218
8
Workmates or business partners
6
9
Customers of your business
2
10
Elected/administrative officials
2
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
20
14
Field agents/promoters of mobile money
36
15
SMS alerts from providers
14
16
Street events, bus/track announcers
11
17
Other
2
Sysmiss
161
MM4.1. From which source of information did you first learn about this mobile money service? MTN Mobile money
MM4.2. From which source of information did you first learn about this mobile mo
From which source of information did you first heard about this mobile money service?
2181
821
1
Radio
580
2
tv
1267
3
Billboards/posters
53
4
Newspapers or magazines
18
5
Family members in this household
48
6
Family members in another household
31
7
Other relatives, friends, neighbors
133
8
Workmates or business partners
2
9
Customers of your business
1
10
Elected/administrative officials
1
11
Employees of a bank or MFI
1
12
Members of an informal financial group, including a village savings association, cooperative, merry-go-round, etc.
2
13
Transactional mobile money agents
10
14
Field agents/promoters of mobile money
20
15
SMS alerts from providers
6
16
Street events, bus/track announcers
6
17
Other
2
Sysmiss
821
MM4.2. From which source of information did you first learn about this mobile money service? Airtel Money
MM4.3. From which source of information did you first learn about this mobile mo
From which source of information did you first heard about this mobile money service?
2356
646
1
Radio
619
2
tv
1312
3
Billboards/posters
43
4
Newspapers or magazines
13
5
Family members in this household
68
6
Family members in another household
38
7
Other relatives, friends, neighbors
171
8
Workmates or business partners
9
9
Customers of your business
2
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.
1
13
Transactional mobile money agents
16
14
Field agents/promoters of mobile money
35
15
SMS alerts from providers
16
16
Street events, bus/track announcers
11
17
Other
2
Sysmiss
646
MM4.3. From which source of information did you first learn about this mobile money service? Tigo cash
MM5.1. Have you ever used this mobile money service for any financial activity?
2841
161
1
Yes
788
2
No
2053
Sysmiss
161
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=
3002
0
-992014
122014
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 acti
788
2214
1
Yesterday
64
2
In the past 7 days
192
3
In the past 30 days
274
4
In the past 90 days
147
5
More than 90 days ago
111
Sysmiss
2214
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
2841
161
1
Yes
536
2
No
2305
Sysmiss
161
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 Mob
3002
0
-992014
122014
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
0
3002
1
Before
0
2
After
0
3
DK/Refused
0
Sysmiss
3002
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?
2181
821
1
Yes
64
2
No
2117
Sysmiss
821
MM5.2. Have you ever used this mobile money service for any financial activity? Airtel Money
MM6.2. When did you start using mobile money with this provider? (mm/yyyy) (-99=
3002
0
-992014
122014
MM6.2. When did you start using mobile money with this provider? (mm/yyyy) (-99=DK/Refused) Airtel Money
MM7.2. Apart from today, when was the last time you conducted any financial acti
64
2938
1
Yesterday
5
2
In the past 7 days
13
3
In the past 30 days
21
4
In the past 90 days
11
5
More than 90 days ago
14
Sysmiss
2938
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
2181
821
1
Yes
46
2
No
2135
Sysmiss
821
MM8.2. Do you have a registered account (account registered in your name) with this mobile money service? Airtel Money
MM9.2. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Airtel
3002
0
-992014
122014
MM9.2. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Airtel Money
MM10.2. Was it before or after you started using mobile money services? Airtel M
0
3002
1
Before
0
2
After
0
3
DK/Refused
0
Sysmiss
3002
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?
2356
646
1
Yes
169
2
No
2187
Sysmiss
646
MM5.3. Have you ever used this mobile money service for any financial activity? Tigo cash
MM6.3. When did you start using mobile money with this provider? (mm/yyyy) (-99=
3002
0
-992014
122014
MM6.3. When did you start using mobile money with this provider? (mm/yyyy) (-99=DK/Refused) Tigo cash
MM7.3. Apart from today, when was the last time you conducted any financial acti
169
2833
1
Yesterday
11
2
In the past 7 days
35
3
In the past 30 days
52
4
In the past 90 days
34
5
More than 90 days ago
37
Sysmiss
2833
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
2356
646
1
Yes
121
2
No
2235
Sysmiss
646
MM8.3. Do you have a registered account (account registered in your name) with this mobile money service? Tigo cash
MM9.3. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Tigo c
3002
0
-992014
122014
MM9.3. When did you register for this account? (mm/yyyy) (-99=DK/Refused) Tigo cash
MM10.3. Was it before or after you started using mobile money services? Tigo cas
0
3002
1
Before
0
2
After
0
3
DK/Refused
0
Sysmiss
3002
MM10.3. Was it before or after you started using mobile money services? Tigo cash
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?
634
2368
1
Make transactions myself
529
2
Somebody does them on my behalf
105
Sysmiss
2368
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?
105
2897
1
Spouse
5
2
Parent
7
3
Child
15
4
Cousin
6
5
Niece or nephew
0
6
Aunt or uncle
1
7
Grandparent
1
8
Other relative
2
9
Workmate or a business partner
0
10
Neighbor, not a relative
3
11
Mobile Operator's agent/employee
58
12
Friend
4
13
Other
3
Sysmiss
2897
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?
105
2897
1
Male
70
2
Female
35
Sysmiss
2897
MM14.1. Apart from today, when was the last time you conducted any financial act
536
2466
1
Yesterday
52
2
In the past 7 days
158
3
In the past 30 days
185
4
In the past 90 days
63
5
More than 90 days ago
58
6
Never
20
Sysmiss
2466
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 act
46
2956
1
Yesterday
1
2
In the past 7 days
12
3
In the past 30 days
11
4
In the past 90 days
9
5
More than 90 days ago
6
6
Never
7
Sysmiss
2956
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 act
121
2881
1
Yesterday
6
2
In the past 7 days
28
3
In the past 30 days
35
4
In the past 90 days
21
5
More than 90 days ago
27
6
Never
4
Sysmiss
2881
MM14.3. Apart from today, when was the last time you conducted any financial activity using these registered accounts? Tigo cash
MM15.1. How do you usually access this mobile money service? MTN Mobile money
788
2214
1
Over the counter or by using an agent's account
355
2
Account of a family member in this household
30
3
Account of a family member in another household, other relative, friend or a neighbor
37
4
Account of a workmate or a business partner
15
5
My own account
344
6
Other
7
Sysmiss
2214
MM15.2. How do you usually access this mobile money service? Airtel Money
64
2938
1
Over the counter or by using an agent's account
27
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
1
4
Account of a workmate or a business partner
3
5
My own account
28
6
Other
0
Sysmiss
2938
MM15.3. How do you usually access this mobile money service? Tigo cash
169
2833
1
Over the counter or by using an agent's account
83
2
Account of a family member in this household
3
3
Account of a family member in another household, other relative, friend or a neighbor
2
4
Account of a workmate or a business partner
3
5
My own account
76
6
Other
2
Sysmiss
2833
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?
1947
1055
1
I do not know what it is
72
2
I do not know how to open an account
121
3
I do not have a state-issued/national ID or other required documents
19
4
I do not have money to use this service
341
5
I do not need one, I do not make any transactions
299
6
Registration paperwork is too complicated
18
7
Registration fee is too high
9
8
Using mobile money is difficult
41
9
Fees for using mobile money are too high
15
10
I do not have money to make any transactions with mobile money
199
11
No one among my friends or family is using it
48
12
I do not understand the purpose of mobile money, I do not know what I can use it for
51
13
There are no mobile money agents close to where I live/work
34
14
Mobile money are not reliable
38
15
Mobile money do not offer the services I need
5
16
Mobile money agents are unfriendly; they make me feel unwelcomed
5
17
I can't afford the minimum balance
5
18
Mobile money are not convenient for me
23
19
I never thought about using mobile money
184
20
I do not trust MM/that my money is safe with MM
24
21
I would rather have my money close to me
34
22
I use a bank
107
23
I don't have time to use MM/go to agents
42
24
I use somebody else's account
1
25
My husband, family, in-laws do not approve of me using mobile money
0
26
I will not be able to use mobile money/to go to an agent on my own
4
27
It's not approved by my religion
0
28
The network coverage is too poor/unreliable in the area where I live/work
32
29
The network coverage is too poor/unreliable in the area where people with whom I transact live/work
17
30
I have heard of fraud on mobile money
7
31
Other
117
32
DK/Refused
35
Sysmiss
1055
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?
283
2719
1
I do not have a state ID or other required documents
6
2
There is no point-of-service/agent close to where I live
8
3
I do not need to, I do not make any transactions
18
4
Using such account is difficult
4
5
Fees for using such account are too high
3
6
I never have money to make a transaction with such account
44
7
No one among my friends or family has such account
4
8
I do not understand the purpose of this account, I don?t know what I can use it for
10
9
I can have all the services through an agent, I do not need an account
36
10
Registration fees are too high
1
11
I prefer that agents perform transactions for me, they will fix the problems if anything happens
24
12
I do not trust my money is safe on an m-money account
7
13
I prefer to keep money in cash and use m-money only to send/receive money
10
14
I have heard of fraud on mobile money
3
15
Agent can help me use the service/I do not know how to use it on my own
10
16
I do not see any additional advantages to registration
16
17
The network coverage is too poor/unreliable in the area where I live/work
8
18
The network coverage is too poor/unreliable in the area where people with whom I transact live/work
3
19
I have difficulty remembering my PIN
9
20
Other
59
Sysmiss
2719
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?
908
2094
1
I had to send money to another person
158
2
I had to receive money from another person
559
3
Somebody/a person requested I opened an account
36
4
I had to send money to an organization/government agency: e.g., had to pay a bill
2
5
I had to receive money from an organization/government agency: e.g., pension, unemployment payment or welfare benefits
6
6
An organization/government agency requested I signed up for an account
0
7
An agent or sales person convinced me
14
8
I saw posters/billboards/radio/TV advertising that convinced me
11
9
A person I know, who uses mobile money, recommended I use mobile money because it is better than other financial instrum
23
10
I saw other people using it and wanted to try by myself
14
11
I wanted to start saving money with an m-money account
18
12
I wanted a safe place to store my money
10
13
I got a discount on airtime
1
14
I got a promotional amount of money to spend if I start using m-money
2
15
Most of my friends/family members are already using it
15
16
Other
39
Sysmiss
2094
MM19.1. Have you ever used a mobile money account to do the following?? Deposit
908
2094
1
Yes
450
2
No
458
Sysmiss
2094
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
3002
0
0
2715
1
127
2
65
3
36
4
26
5
18
6
3
7
1
8
1
10
6
12
1
15
1
16
1
20
1
MM20.1. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Deposit money
MM19.2. Have you ever used a mobile money account to do the following?? Withdraw
908
2094
1
Yes
756
2
No
152
Sysmiss
2094
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
3002
0
0
30
MM20.2. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Withdraw money
MM19.3. Have you ever used a mobile money account to do the following?? Buy airt
908
2094
1
Yes
198
2
No
710
Sysmiss
2094
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
3002
0
0
30
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
MM19.4. Have you ever used a mobile money account to do the following?? Pay a sc
908
2094
1
Yes
16
2
No
892
Sysmiss
2094
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
3002
0
0
2993
1
5
3
2
4
2
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
MM19.5. Have you ever used a mobile money account to do the following?? Pay a me
908
2094
1
Yes
5
2
No
903
Sysmiss
2094
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
3002
0
0
2997
1
3
3
1
5
1
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
MM19.6. Have you ever used a mobile money account to do the following?? Pay an e
908
2094
1
Yes
5
2
No
903
Sysmiss
2094
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
3002
0
0
2998
1
3
4
1
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
MM19.7. Have you ever used a mobile money account to do the following?? Pay for
908
2094
1
Yes
2
2
No
906
Sysmiss
2094
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
3002
0
0
3000
1
2
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
MM19.8. Have you ever used a mobile money account to do the following?? Pay for
908
2094
1
Yes
0
2
No
908
Sysmiss
2094
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
3002
0
0
3002
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
MM19.9. Have you ever used a mobile money account to do the following?? Pay TV/c
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
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
3002
0
0
3001
5
1
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
MM19.10. Have you ever used a mobile money account to do the following?? Pay a g
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
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(
3002
0
0
3001
1
1
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
MM19.11. Have you ever used a mobile money account to do the following?? Pay oth
908
2094
1
Yes
12
2
No
896
Sysmiss
2094
MM19.11. Have you ever used a mobile money account to do the following?? Pay other bill
MM20.11. In the past 30 days, how many times did you use a mobile money account(
3002
0
0
2995
1
2
2
3
6
1
10
1
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
MM19.12. Have you ever used a mobile money account to do the following?? Send mo
908
2094
1
Yes
163
2
No
745
Sysmiss
2094
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(
3002
0
0
2892
1
50
2
29
3
22
4
3
5
3
6
1
10
1
20
1
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
MM19.13. Have you ever used a mobile money account to do the following?? Send mo
908
2094
1
Yes
196
2
No
712
Sysmiss
2094
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(
3002
0
0
30
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
MM19.14. Have you ever used a mobile money account to do the following?? Receive
908
2094
1
Yes
289
2
No
619
Sysmiss
2094
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(
3002
0
0
21
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
MM19.15. Have you ever used a mobile money account to do the following?? Receive
908
2094
1
Yes
249
2
No
659
Sysmiss
2094
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(
3002
0
0
2865
1
78
2
31
3
17
4
4
5
4
6
2
11
1
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
MM19.16. Have you ever used a mobile money account to do the following?? Receive
908
2094
1
Yes
13
2
No
895
Sysmiss
2094
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(
3002
0
0
2996
1
4
3
1
4
1
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
MM19.17. Have you ever used a mobile money account to do the following?? Receive
908
2094
1
Yes
3
2
No
905
Sysmiss
2094
MM19.17. Have you ever used a mobile money account to do the following?? Receive other benefit payments from the government or government agency
MM20.17. In the past 30 days, how many times did you use a mobile money account(
3002
0
0
3000
2
1
3
1
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
MM19.18. Have you ever used a mobile money account to do the following?? Receive
908
2094
1
Yes
12
2
No
896
Sysmiss
2094
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(
3002
0
0
2993
1
3
2
3
3
1
4
1
6
1
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
MM19.19. Have you ever used a mobile money account to do the following?? Receive
908
2094
1
Yes
6
2
No
902
Sysmiss
2094
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(
3002
0
0
2998
2
1
3
2
4
1
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)
MM19.20. Have you ever used a mobile money account to do the following?? Pay for
908
2094
1
Yes
3
2
No
905
Sysmiss
2094
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(
3002
0
0
3002
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
MM19.21. Have you ever used a mobile money account to do the following?? Make in
908
2094
1
Yes
2
2
No
906
Sysmiss
2094
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(
3002
0
0
3001
2
1
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
MM19.22. Have you ever used a mobile money account to do the following?? Receive
908
2094
1
Yes
0
2
No
908
Sysmiss
2094
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(
3002
0
0
3002
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
MM19.23. Have you ever used a mobile money account to do the following?? Take a
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
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(
3002
0
0
3001
1
1
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
MM19.24. Have you ever used a mobile money account to do the following?? Give a
908
2094
1
Yes
2
2
No
906
Sysmiss
2094
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(
3002
0
0
3000
1
2
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
MM19.25. Have you ever used a mobile money account to do the following?? Save mo
908
2094
1
Yes
30
2
No
878
Sysmiss
2094
MM19.25. Have you ever used a mobile money account to do the following?? Save money for a future purchase or payment
MM20.25. In the past 30 days, how many times did you use a mobile money account(
3002
0
0
2987
1
9
2
4
3
2
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 future purchase or payment
MM19.26. Have you ever used a mobile money account to do the following?? Set asi
908
2094
1
Yes
10
2
No
898
Sysmiss
2094
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(
3002
0
0
2995
1
6
2
1
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
MM19.27. Have you ever used a mobile money account to do the following?? Set mon
908
2094
1
Yes
23
2
No
885
Sysmiss
2094
MM19.27. Have you ever used a mobile money account to do the following?? Set money aside just in case/for an undetermined purpose
MM20.27. In the past 30 days, how many times did you use a mobile money account(
3002
0
0
2987
1
9
2
5
4
1
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 undetermined purpose
MM19.28. Have you ever used a mobile money account to do the following?? Make an
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
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(
3002
0
0
3002
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
MM19.29. Have you ever used a mobile money account to do the following?? Pay in
908
2094
1
Yes
3
2
No
905
Sysmiss
2094
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(
3002
0
0
3001
2
1
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
MM19.30. Have you ever used a mobile money account to do the following?? Pay rem
908
2094
1
Yes
4
2
No
904
Sysmiss
2094
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(
3002
0
0
3001
1
1
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
MM19.31. Have you ever used a mobile money account to do the following?? Transfe
908
2094
1
Yes
4
2
No
904
Sysmiss
2094
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(
3002
0
0
3000
1
2
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
MM19.32. Have you ever used a mobile money account to do the following?? Transfe
908
2094
1
Yes
3
2
No
905
Sysmiss
2094
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(
3002
0
0
3001
3
1
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
MM19.33. Have you ever used a mobile money account to do the following?? Transfe
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
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(
3002
0
0
3002
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.)
MM19.34. Have you ever used a mobile money account to do the following?? Pay ren
908
2094
1
Yes
3
2
No
905
Sysmiss
2094
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(
3002
0
0
3001
1
1
MM20.34. In the past 30 days, how many times did you use a mobile money account(s) for such financial activities? Pay rent
MM21.1. 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?
908
2094
1
Yes
9
2
No
899
Sysmiss
2094
MM21.1. Do you use a mobile money account to make the following business payments/purchases? Pay employees
MM21.2. 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?
908
2094
1
Yes
16
2
No
892
Sysmiss
2094
MM21.2. Do you use a mobile money account to make the following business payments/purchases? Pay suppliers
MM21.3. 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?
908
2094
1
Yes
32
2
No
876
Sysmiss
2094
MM21.3. Do you use a mobile money account to make the following business payments/purchases? Receive payments from customers
MM21.4. 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?
908
2094
1
Yes
8
2
No
900
Sysmiss
2094
MM21.4. Do you use a mobile money account to make the following business payments/purchases? Receive payments from distributors
MM21.5. 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?
908
2094
1
Yes
5
2
No
903
Sysmiss
2094
MM21.5. Do you use a mobile money account to make the following business payments/purchases? Make investment, for example buy new equipment or expand the office/business building
MM21.6. 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?
908
2094
1
Yes
9
2
No
899
Sysmiss
2094
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 payment
Do you use a mobile money account to make the following business payments/purchases?
908
2094
1
Yes
3
2
No
905
Sysmiss
2094
MM21.7. Do you use a mobile money account to make the following business payments/purchases? Pay for agricultural inputs (seeds, pesticides, fertilizers, etc.)
MM21.8. 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?
908
2094
1
Yes
2
2
No
906
Sysmiss
2094
MM21.8. Do you use a mobile money account to make the following business payments/purchases? Other
MM21.9. 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?
908
2094
1
Yes
705
2
No
203
Sysmiss
2094
MM21.9. Do you use a mobile money account to make the following business payments/purchases? I do not use my mobile money account to make business transactions
MM22.1. You said you do not use a mobile money account for any business transact
705
2297
1
Yes
462
2
No
243
Sysmiss
2297
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 transact
705
2297
1
Yes
10
2
No
695
Sysmiss
2297
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 transact
705
2297
1
Yes
6
2
No
699
Sysmiss
2297
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 transact
705
2297
1
Yes
42
2
No
663
Sysmiss
2297
MM22.4. You said you do not use a mobile money account for any business transactions. Please, tell me why? My business is not registered, it is not formal
MM22.5. You said you do not use a mobile money account for any business transact
705
2297
1
Yes
6
2
No
699
Sysmiss
2297
MM22.5. You said you do not use a mobile money account for any business transactions. Please, tell me why? To pay account fees I will have to raise prices and people won't buy from me
MM22.6. You said you do not use a mobile money account for any business transact
705
2297
1
Yes
88
2
No
617
Sysmiss
2297
MM22.6. You said you do not use a mobile money account for any business transactions. Please, tell me why? My business is too small to need an account
MM22.7. You said you do not use a mobile money account for any business transact
705
2297
1
Yes
60
2
No
645
Sysmiss
2297
MM22.7. You said you do not use a mobile money account for any business transactions. Please, tell me why? I do not have an account for my business
MM22.8. You said you do not use a mobile money account for any business transact
705
2297
1
Yes
101
2
No
604
Sysmiss
2297
MM22.8. You said you do not use a mobile money account for any business transactions. Please, tell me why? I use other methods of payment
MM22.9. You said you do not use a mobile money account for any business transact
705
2297
1
Yes
16
2
No
689
Sysmiss
2297
MM22.9. You said you do not use a mobile money account for any business transactions. Please, tell me why? Other
MM22.10. You said you do not use a mobile money account for any business transac
705
2297
1
Yes
32
2
No
673
Sysmiss
2297
MM22.10. 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?
908
2094
1
Yes
538
2
No
370
Sysmiss
2094
MM24. What is the main reason you are using this agent regularly?
What is the main reason you are using this agent regularly?
538
2464
1
Out of courtesy
31
2
The agent is fast
103
3
I trust this agent
65
4
Reliability: the agent is always present during work hours
62
5
Reliability: the agent always has e-float and/or cash to conduct my transaction
31
6
Proximity to where I live
139
7
Proximity to places where I go - school, retail store, my job, etc.
11
8
Agent is knowledgeable/helpful
19
9
Agent is friendly and engaged
15
10
This agent is my personal friend, family member or a relative
7
11
My family members, friends or workmates use this agent
3
12
Out of habit
4
13
Other
13
14
Because the agent is a female
0
15
Because the agent is a male
0
16
Agent was recommended to me
2
17
No particular reason
19
18
It's the only agent I know of that serves my MM provider
14
19
The agent serves multiple MM providers
0
Sysmiss
2464
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?
908
2094
1
0.5 km or less
409
2
245
3
184
4
More than 5km to 10km
53
5
More than 10km to 15km
13
6
More than 15km
4
Sysmiss
2094
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 wher
3002
0
0
999
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 wher
3002
0
0
999
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 wher
3002
0
0
999
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 wher
3002
0
0
999
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 wher
3002
0
0
999
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
908
2094
1
Yes
847
2
No
61
Sysmiss
2094
MM26.1. Which of the following mobile money agents are the closest to where you live? Regardless of what service you use. MTN Mobile money
MM26.2. Which of the following mobile money agents are the closest to where you
908
2094
1
Yes
226
2
No
682
Sysmiss
2094
MM26.2. Which of the following mobile money agents are the closest to where you live? Regardless of what service you use. Airtel Money
MM26.3. Which of the following mobile money agents are the closest to where you
908
2094
1
Yes
355
2
No
553
Sysmiss
2094
MM26.3. Which of the following mobile money agents are the closest to where you live? Regardless of what service you use. Tigo cash
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…
908
2094
1
Walk
582
2
Use a motorcycle taxi or a mini-bus taxi
215
3
Use a regular bus
63
4
Have to take a train
0
5
The agent comes to me
0
6
Ride a bicycle
19
7
Ride in my own car or motorbike
10
8
Get a car/motorbike ride for free with a friend, relative or neighbor
15
9
Other
4
Sysmiss
2094
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?
908
2094
1
15 minutes or less
554
2
More than 15 to 30 minutes
258
3
More than 30 minutes to an hour
88
4
More than an hour to 2 hours
8
5
More than 2 hours to 4 hours
0
6
More than 4 hours
0
Sysmiss
2094
MM29.1. Do you usually go to a mobile money agent at or near the following place
908
2094
1
Yes
584
2
No
324
Sysmiss
2094
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
908
2094
1
Yes
173
2
No
735
Sysmiss
2094
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
908
2094
1
Yes
144
2
No
764
Sysmiss
2094
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
908
2094
1
Yes
51
2
No
857
Sysmiss
2094
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
908
2094
1
Yes
314
2
No
594
Sysmiss
2094
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
908
2094
1
Yes
73
2
No
835
Sysmiss
2094
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
908
2094
1
Yes
166
2
No
742
Sysmiss
2094
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
908
2094
1
Yes
42
2
No
866
Sysmiss
2094
MM29.8. Do you usually go to a mobile money agent at or near the following places? Other
MM30.1. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
190
2
No
718
Sysmiss
2094
MM30.1. Have you ever experienced any of the following issues with any mobile money agent? Agent was absent
MM31.1. How many times in the past 6 months have you experienced this issue? Age
190
2812
1
Less than 3 times
108
2
3-6 times
66
3
7-12 times
12
4
More than 12 times
4
Sysmiss
2812
MM31.1. How many times in the past 6 months have you experienced this issue? Agent was absent
MM32.1. Have you reported this issue to the Customer Services of the Mobile Mone
190
2812
1
Yes
14
2
No
176
Sysmiss
2812
MM32.1. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was absent
MM33.1. Was the issue resolved to your satisfaction? Agent was absent
190
2812
1
Yes
125
2
No
65
Sysmiss
2812
MM30.2. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
50
2
No
858
Sysmiss
2094
MM30.2. Have you ever experienced any of the following issues with any mobile money agent? Agent was rude
MM31.2. How many times in the past 6 months have you experienced this issue? Age
50
2952
1
Less than 3 times
35
2
3-6 times
13
3
7-12 times
0
4
More than 12 times
2
Sysmiss
2952
MM31.2. How many times in the past 6 months have you experienced this issue? Agent was rude
MM32.2. Have you reported this issue to the Customer Services of the Mobile Mone
50
2952
1
Yes
7
2
No
43
Sysmiss
2952
MM32.2. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was rude
MM33.2. Was the issue resolved to your satisfaction? Agent was rude
50
2952
1
Yes
29
2
No
21
Sysmiss
2952
MM30.3. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
203
2
No
705
Sysmiss
2094
MM30.3. 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
MM31.3. How many times in the past 6 months have you experienced this issue? Age
203
2799
1
Less than 3 times
97
2
3-6 times
82
3
7-12 times
17
4
More than 12 times
7
Sysmiss
2799
MM31.3. 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
MM32.3. Have you reported this issue to the Customer Services of the Mobile Mone
203
2799
1
Yes
11
2
No
192
Sysmiss
2799
MM32.3. 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
MM33.3. Was the issue resolved to your satisfaction? Agent did not have enough c
203
2799
1
Yes
137
2
No
66
Sysmiss
2799
MM33.3. Was the issue resolved to your satisfaction? Agent did not have enough cash or e-float and could not perform the transaction
MM30.4. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
15
2
No
893
Sysmiss
2094
MM30.4. Have you ever experienced any of the following issues with any mobile money agent? Agent refused to perform transaction for no reason
MM31.4. How many times in the past 6 months have you experienced this issue? Age
15
2987
1
Less than 3 times
10
2
3-6 times
3
3
7-12 times
2
4
More than 12 times
0
Sysmiss
2987
MM31.4. How many times in the past 6 months have you experienced this issue? Agent refused to perform transaction for no reason
MM32.4. Have you reported this issue to the Customer Services of the Mobile Mone
15
2987
1
Yes
2
2
No
13
Sysmiss
2987
MM32.4. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent refused to perform transaction for no reason
MM33.4. Was the issue resolved to your satisfaction? Agent refused to perform tr
15
2987
1
Yes
12
2
No
3
Sysmiss
2987
MM33.4. Was the issue resolved to your satisfaction? Agent refused to perform transaction for no reason
MM30.5. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
9
2
No
899
Sysmiss
2094
MM30.5. Have you ever experienced any of the following issues with any mobile money agent? Agent did not know how to perform the transaction
MM31.5. How many times in the past 6 months have you experienced this issue? Age
9
2993
1
Less than 3 times
6
2
3-6 times
2
3
7-12 times
1
4
More than 12 times
0
Sysmiss
2993
MM31.5. How many times in the past 6 months have you experienced this issue? Agent did not know how to perform the transaction
MM32.5. Have you reported this issue to the Customer Services of the Mobile Mone
9
2993
1
Yes
2
2
No
7
Sysmiss
2993
MM32.5. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent did not know how to perform the transaction
MM33.5. Was the issue resolved to your satisfaction? Agent did not know how to p
9
2993
1
Yes
7
2
No
2
Sysmiss
2993
MM33.5. Was the issue resolved to your satisfaction? Agent did not know how to perform the transaction
MM30.6. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
29
2
No
879
Sysmiss
2094
MM30.6. Have you ever experienced any of the following issues with any mobile money agent? Agent overcharged for the transaction or asked to pay a deposit
MM31.6. How many times in the past 6 months have you experienced this issue? Age
29
2973
1
Less than 3 times
20
2
3-6 times
5
3
7-12 times
2
4
More than 12 times
2
Sysmiss
2973
MM31.6. How many times in the past 6 months have you experienced this issue? Agent overcharged for the transaction or asked to pay a deposit
MM32.6. Have you reported this issue to the Customer Services of the Mobile Mone
29
2973
1
Yes
1
2
No
28
Sysmiss
2973
MM32.6. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent overcharged for the transaction or asked to pay a deposit
MM33.6. Was the issue resolved to your satisfaction? Agent overcharged for the t
29
2973
1
Yes
23
2
No
6
Sysmiss
2973
MM33.6. Was the issue resolved to your satisfaction? Agent overcharged for the transaction or asked to pay a deposit
MM30.7. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
22
2
No
886
Sysmiss
2094
MM30.7. Have you ever experienced any of the following issues with any mobile money agent? Agent did not give all the cash that was owed
MM31.7. How many times in the past 6 months have you experienced this issue? Age
22
2980
1
Less than 3 times
11
2
3-6 times
7
3
7-12 times
1
4
More than 12 times
3
Sysmiss
2980
MM31.7. How many times in the past 6 months have you experienced this issue? Agent did not give all the cash that was owed
MM32.7. Have you reported this issue to the Customer Services of the Mobile Mone
22
2980
1
Yes
0
2
No
22
Sysmiss
2980
MM32.7. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent did not give all the cash that was owed
MM33.7. Was the issue resolved to your satisfaction? Agent did not give all the
22
2980
1
Yes
15
2
No
7
Sysmiss
2980
MM33.7. Was the issue resolved to your satisfaction? Agent did not give all the cash that was owed
MM30.8. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
359
2
No
549
Sysmiss
2094
MM30.8. Have you ever experienced any of the following issues with any mobile money agent? GSM, mobile network or agent system was down
MM31.8. How many times in the past 6 months have you experienced this issue? GSM
359
2643
1
Less than 3 times
148
2
3-6 times
129
3
7-12 times
54
4
More than 12 times
28
Sysmiss
2643
MM31.8. How many times in the past 6 months have you experienced this issue? GSM, mobile network or agent system was down
MM32.8. Have you reported this issue to the Customer Services of the Mobile Mone
359
2643
1
Yes
50
2
No
309
Sysmiss
2643
MM32.8. Have you reported this issue to the Customer Services of the Mobile Money Company? GSM, mobile network or agent system was down
MM33.8. Was the issue resolved to your satisfaction? GSM, mobile network or agen
359
2643
1
Yes
262
2
No
97
Sysmiss
2643
MM33.8. Was the issue resolved to your satisfaction? GSM, mobile network or agent system was down
MM30.9. Have you ever experienced any of the following issues with any mobile mo
908
2094
1
Yes
116
2
No
792
Sysmiss
2094
MM30.9. Have you ever experienced any of the following issues with any mobile money agent? It was very time consuming
MM31.9. How many times in the past 6 months have you experienced this issue? It
116
2886
1
Less than 3 times
49
2
3-6 times
46
3
7-12 times
18
4
More than 12 times
3
Sysmiss
2886
MM31.9. How many times in the past 6 months have you experienced this issue? It was very time consuming
MM32.9. Have you reported this issue to the Customer Services of the Mobile Mone
116
2886
1
Yes
13
2
No
103
Sysmiss
2886
MM32.9. Have you reported this issue to the Customer Services of the Mobile Money Company? It was very time consuming
MM33.9. Was the issue resolved to your satisfaction? It was very time consuming
116
2886
1
Yes
85
2
No
31
Sysmiss
2886
MM30.10. Have you ever experienced any of the following issues with any mobile m
908
2094
1
Yes
64
2
No
844
Sysmiss
2094
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
64
2938
1
Less than 3 times
36
2
3-6 times
13
3
7-12 times
8
4
More than 12 times
7
Sysmiss
2938
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
64
2938
1
Yes
6
2
No
58
Sysmiss
2938
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, i
64
2938
1
Yes
40
2
No
24
Sysmiss
2938
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 m
908
2094
1
Yes
31
2
No
877
Sysmiss
2094
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? Ag
31
2971
1
Less than 3 times
18
2
3-6 times
7
3
7-12 times
2
4
More than 12 times
4
Sysmiss
2971
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
31
2971
1
Yes
6
2
No
25
Sysmiss
2971
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 depos
31
2971
1
Yes
18
2
No
13
Sysmiss
2971
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 m
908
2094
1
Yes
22
2
No
886
Sysmiss
2094
MM30.12. Have you ever experienced any of the following issues with any mobile money agent? Agent charged me for services that should be free or charged me on top of the charge from the provider
MM31.12. How many times in the past 6 months have you experienced this issue? Ag
22
2980
1
Less than 3 times
10
2
3-6 times
7
3
7-12 times
3
4
More than 12 times
2
Sysmiss
2980
MM31.12. How many times in the past 6 months have you experienced this issue? Agent charged me for services that should be free or charged me on top of the charge from the provider
MM32.12. Have you reported this issue to the Customer Services of the Mobile Mon
22
2980
1
Yes
1
2
No
21
Sysmiss
2980
MM32.12. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent charged me for services that should be free or charged me on top of the charge from the provider
MM33.12. Was the issue resolved to your satisfaction? Agent charged me for servi
22
2980
1
Yes
15
2
No
7
Sysmiss
2980
MM33.12. Was the issue resolved to your satisfaction? Agent charged me for services that should be free or charged me on top of the charge from the provider
MM30.13. Have you ever experienced any of the following issues with any mobile m
908
2094
1
Yes
120
2
No
788
Sysmiss
2094
MM30.13. Have you ever experienced any of the following issues with any mobile money agent? Agent asked for my PIN number
MM31.13. How many times in the past 6 months have you experienced this issue? Ag
120
2882
1
Less than 3 times
48
2
3-6 times
42
3
7-12 times
18
4
More than 12 times
12
Sysmiss
2882
MM31.13. How many times in the past 6 months have you experienced this issue? Agent asked for my PIN number
MM32.13. Have you reported this issue to the Customer Services of the Mobile Mon
120
2882
1
Yes
14
2
No
106
Sysmiss
2882
MM32.13. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent asked for my PIN number
MM33.13. Was the issue resolved to your satisfaction? Agent asked for my PIN num
120
2882
1
Yes
86
2
No
34
Sysmiss
2882
MM33.13. Was the issue resolved to your satisfaction? Agent asked for my PIN number
MM30.14. Have you ever experienced any of the following issues with any mobile m
908
2094
1
Yes
12
2
No
896
Sysmiss
2094
MM30.14. Have you ever experienced any of the following issues with any mobile money agent? Agent was dismissive of women
MM31.14. How many times in the past 6 months have you experienced this issue? Ag
12
2990
1
Less than 3 times
8
2
3-6 times
1
3
7-12 times
1
4
More than 12 times
2
Sysmiss
2990
MM31.14. How many times in the past 6 months have you experienced this issue? Agent was dismissive of women
MM32.14. Have you reported this issue to the Customer Services of the Mobile Mon
12
2990
1
Yes
0
2
No
12
Sysmiss
2990
MM32.14. Have you reported this issue to the Customer Services of the Mobile Money Company? Agent was dismissive of women
MM33.14. Was the issue resolved to your satisfaction? Agent was dismissive of wo
12
2990
1
Yes
6
2
No
6
Sysmiss
2990
MM33.14. Was the issue resolved to your satisfaction? Agent was dismissive of women
MM30.15. Have you ever experienced any of the following issues with any mobile m
908
2094
1
Yes
10
2
No
898
Sysmiss
2094
MM30.15. 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
MM31.15. How many times in the past 6 months have you experienced this issue? Ag
10
2992
1
Less than 3 times
3
2
3-6 times
3
3
7-12 times
4
4
More than 12 times
0
Sysmiss
2992
MM31.15. 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
MM32.15. Have you reported this issue to the Customer Services of the Mobile Mon
10
2992
1
Yes
3
2
No
7
Sysmiss
2992
MM32.15. 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
MM33.15. Was the issue resolved to your satisfaction? Agent's place was not secu
10
2992
1
Yes
7
2
No
3
Sysmiss
2992
MM33.15. Was the issue resolved to your satisfaction? Agent's place was not secure/there were suspicious people at agent's place
MM30.16. Have you ever experienced any of the following issues with any mobile m
908
2094
1
Yes
4
2
No
904
Sysmiss
2094
MM30.16. 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
MM31.16. How many times in the past 6 months have you experienced this issue? Ag
4
2998
1
Less than 3 times
2
2
3-6 times
1
3
7-12 times
0
4
More than 12 times
1
Sysmiss
2998
MM31.16. 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
MM32.16. Have you reported this issue to the Customer Services of the Mobile Mon
4
2998
1
Yes
0
2
No
4
Sysmiss
2998
MM32.16. 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
MM33.16. Was the issue resolved to your satisfaction? Agent shared my personal/a
4
2998
1
Yes
2
2
No
2
Sysmiss
2998
MM33.16. Was the issue resolved to your satisfaction? Agent shared my personal/account information with other people without my knowledge/permission
MM30.17. Have you ever experienced any of the following issues with any mobile m
908
2094
1
Yes
2
2
No
906
Sysmiss
2094
MM30.17. 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
MM31.17. How many times in the past 6 months have you experienced this issue? Ag
2
3000
1
Less than 3 times
2
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
3000
MM31.17. 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
MM32.17. Have you reported this issue to the Customer Services of the Mobile Mon
2
3000
1
Yes
0
2
No
2
Sysmiss
3000
MM32.17. 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
MM33.17. Was the issue resolved to your satisfaction? Agent defrauded me of mone
2
3000
1
Yes
1
2
No
1
Sysmiss
3000
MM33.17. Was the issue resolved to your satisfaction? Agent defrauded me of money or assisted other people in scamming me
MM30.18. Have you ever experienced any of the following issues with any mobile m
908
2094
1
Yes
3
2
No
905
Sysmiss
2094
MM30.18. 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
MM31.18. How many times in the past 6 months have you experienced this issue? I
3
2999
1
Less than 3 times
3
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2999
MM31.18. 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
MM32.18. Have you reported this issue to the Customer Services of the Mobile Mon
3
2999
1
Yes
0
2
No
3
Sysmiss
2999
MM32.18. 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
MM33.18. Was the issue resolved to your satisfaction? I had money stolen from me
3
2999
1
Yes
1
2
No
2
Sysmiss
2999
MM33.18. Was the issue resolved to your satisfaction? I had money stolen from me on the way to/from the agent
MM30.19. Have you ever experienced any of the following issues with any mobile m
908
2094
1
Yes
2
2
No
906
Sysmiss
2094
MM30.19. Have you ever experienced any of the following issues with any mobile money agent? Other
MM31.19. How many times in the past 6 months have you experienced this issue? Ot
2
3000
1
Less than 3 times
1
2
3-6 times
1
3
7-12 times
0
4
More than 12 times
0
Sysmiss
3000
MM31.19. How many times in the past 6 months have you experienced this issue? Other
MM32.19. Have you reported this issue to the Customer Services of the Mobile Mon
2
3000
1
Yes
0
2
No
2
Sysmiss
3000
MM32.19. Have you reported this issue to the Customer Services of the Mobile Money Company? Other
MM33.19. Was the issue resolved to your satisfaction? Other
2
3000
1
Yes
1
2
No
1
Sysmiss
3000
MM34.1. Have you ever experienced any of the following issues when making mobile
908
2094
1
Yes
75
2
No
833
Sysmiss
2094
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
75
2927
1
Less than 3 times
49
2
3-6 times
16
3
7-12 times
5
4
More than 12 times
5
Sysmiss
2927
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
908
2094
1
Yes
306
2
No
602
Sysmiss
2094
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
306
2696
1
Less than 3 times
161
2
3-6 times
97
3
7-12 times
26
4
More than 12 times
22
Sysmiss
2696
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
908
2094
1
Yes
134
2
No
774
Sysmiss
2094
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
134
2868
1
Less than 3 times
69
2
3-6 times
43
3
7-12 times
12
4
More than 12 times
10
Sysmiss
2868
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
908
2094
1
Yes
18
2
No
890
Sysmiss
2094
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 s
18
2984
1
Less than 3 times
8
2
3-6 times
8
3
7-12 times
2
4
More than 12 times
0
Sysmiss
2984
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
908
2094
1
Yes
34
2
No
874
Sysmiss
2094
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 n
34
2968
1
Less than 3 times
19
2
3-6 times
8
3
7-12 times
5
4
More than 12 times
2
Sysmiss
2968
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
908
2094
1
Yes
57
2
No
851
Sysmiss
2094
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 c
57
2945
1
Less than 3 times
34
2
3-6 times
18
3
7-12 times
1
4
More than 12 times
4
Sysmiss
2945
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
908
2094
1
Yes
55
2
No
853
Sysmiss
2094
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 c
55
2947
1
Less than 3 times
32
2
3-6 times
16
3
7-12 times
4
4
More than 12 times
3
Sysmiss
2947
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
908
2094
1
Yes
6
2
No
902
Sysmiss
2094
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? Mon
6
2996
1
Less than 3 times
5
2
3-6 times
1
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2996
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
908
2094
1
Yes
14
2
No
894
Sysmiss
2094
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 d
14
2988
1
Less than 3 times
9
2
3-6 times
3
3
7-12 times
2
4
More than 12 times
0
Sysmiss
2988
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 mobil
908
2094
1
Yes
33
2
No
875
Sysmiss
2094
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
33
2969
1
Less than 3 times
24
2
3-6 times
9
3
7-12 times
0
4
More than 12 times
0
Sysmiss
2969
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 mobil
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
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
1
3001
1
Less than 3 times
0
2
3-6 times
1
3
7-12 times
0
4
More than 12 times
0
Sysmiss
3001
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 mobil
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
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
1
3001
1
Less than 3 times
1
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
3001
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 mobil
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
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
1
3001
1
Less than 3 times
1
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
3001
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 mobil
908
2094
1
Yes
1
2
No
907
Sysmiss
2094
MM34.14. Have you ever experienced any of the following issues when making mobile money transactions without agents? Other
MM35.14. How many times in the past 6 months have you experienced this issue? Ot
1
3001
1
Less than 3 times
1
2
3-6 times
0
3
7-12 times
0
4
More than 12 times
0
Sysmiss
3001
MM35.14. How many times in the past 6 months have you experienced this issue? Other
MM36. Which provider did you use for your most recent transaction?
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?
908
2094
1
MTN Mobile Money
757
2
Airtel Money
38
3
Tigo Cash
101
4
Other
12
Sysmiss
2094
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?
908
0
102014
122
112012
2
112014
241
12012
2
12013
2
12014
6
122012
4
122013
1
122014
269
22012
1
22014
5
32013
1
32014
3
42014
7
52013
3
52014
12
62014
46
72013
1
72014
23
82014
43
92012
1
92013
1
92014
70
999999
42
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 with
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.)?
866
0
AIRTIME
1
AIRTIME TOP TUP
1
AIRTIME TOP UP
3
AIRTIME TOP UPS
1
BUYING AIRTIME
1
DEPOSIT
42
DEPOSIT/WITHDRAW
1
DEPOSITING
40
DEPOSITING, WITHDRAWING
1
DEPOSITS
2
DEPOSITTING
2
DRAWING
1
NONE
1
RECEIVE
2
RECEIVING
5
RECEIVING/WITHDRAW
1
REDRAWING
1
RESEND
1
SAVING
2
SENDING MONEY
109
TOKEN
1
TRADER
1
TRANSFER
1
WITHDRAWAL
280
WITHDRAWING
356
WITHDRAWING/SENDING
1
WITHDRWING
5
withdrawing
3
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)
3002
0
0
999
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?
3002
0
-9999
500
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 (GHS)?
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?
3002
0
-9999
4003
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? (GHS)
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?
3002
0
0
999
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?
3002
0
-9999
500
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? (GHS)
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?
866
2136
1
Yes
73
2
No
727
3
Dk/Refused
66
Sysmiss
2136
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 charge 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?
866
2136
1
Yes
858
2
No
8
Sysmiss
2136
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?
MM45.1. Why were you unable to complete the financial activity? Technical proble
8
2994
1
Yes
2
2
No
6
Sysmiss
2994
MM45.1. Why were you unable to complete the financial activity? Technical problems with the network
MM45.2. Why were you unable to complete the financial activity? The agent closed
8
2994
1
Yes
0
2
No
8
Sysmiss
2994
MM45.2. Why were you unable to complete the financial activity? The agent closed for a lunch-break/for the day
MM45.3. Why were you unable to complete the financial activity? I did not have a
8
2994
1
Yes
0
2
No
8
Sysmiss
2994
MM45.3. Why were you unable to complete the financial activity? I did not have a proper ID
MM45.4. Why were you unable to complete the financial activity? There was not en
8
2994
1
Yes
1
2
No
7
Sysmiss
2994
MM45.4. Why were you unable to complete the financial activity? There was not enough cash
MM45.5. Why were you unable to complete the financial activity? There was not en
8
2994
1
Yes
1
2
No
7
Sysmiss
2994
MM45.5. Why were you unable to complete the financial activity? There was not enough float
MM45.6. Why were you unable to complete the financial activity? I did not have e
8
2994
1
Yes
0
2
No
8
Sysmiss
2994
MM45.6. Why were you unable to complete the financial activity? I did not have enough money to pay the fee
MM45.7. Why were you unable to complete the financial activity? I did not have e
8
2994
1
Yes
0
2
No
8
Sysmiss
2994
MM45.7. Why were you unable to complete the financial activity? I did not have enough time to wait
MM45.8. Why were you unable to complete the financial activity? Other
8
2994
1
Yes
1
2
No
7
Sysmiss
2994
MM45.9. Why were you unable to complete the financial activity? DK/Refused
8
2994
1
Yes
3
2
No
5
Sysmiss
2994
MM46. When an m-money transaction goes wrong, who do you go to help you resolve
When a mobile money transaction goes wrong, who are you most likely to go for help?
908
2094
1
Resolve it myself
88
2
Seek help of friends or family
26
3
Mobile money agent
550
4
Customer hotline/helpline
71
5
MNO location
132
6
Financial institution location
2
7
Government agency or local official
2
8
Other
37
Sysmiss
2094
MM46. When an m-money transaction goes wrong, who do you go to help you resolve the problem?
SFC1. On a scale from 1 (Extremely bad) to 10 (Extremely good), rate the choice
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.
1074
1928
1
01 Extremely bad
33
2
02
92
3
03
117
4
04
102
5
05
135
6
06
125
7
07
168
8
08
154
9
09
96
10
10 Extremely good
52
Sysmiss
1928
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
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.
1074
1928
1
01 Extremely bad
7
2
02
8
3
03
15
4
04
23
5
05
78
6
06
90
7
07
170
8
08
253
9
09
239
10
10 Extremely good
191
Sysmiss
1928
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
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.
908
2094
1
01 Extremely bad
27
2
02
41
3
03
67
4
04
79
5
05
121
6
06
112
7
07
153
8
08
140
9
09
110
10
10 Extremely good
58
Sysmiss
2094
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
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.
908
2094
1
01 Extremely bad
5
2
02
8
3
03
3
4
04
19
5
05
40
6
06
54
7
07
130
8
08
197
9
09
224
10
10 Extremely good
228
Sysmiss
2094
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
3002
0
1
Yes
298
2
No
2704
IFI2.1. Apart from today when was the last time you used this financial service
298
2704
1
Yesterday
22
2
In the past 7 days
53
3
In the past 30 days
83
4
In the past 90 days
42
5
More than 90 days ago
33
6
Stopped using altogether
65
Sysmiss
2704
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
3002
0
1
Yes
245
2
No
2757
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
245
2757
1
Yesterday
26
2
In the past 7 days
48
3
In the past 30 days
77
4
In the past 90 days
41
5
More than 90 days ago
32
6
Stopped using altogether
21
Sysmiss
2757
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? Cooperative
3002
0
1
Yes
40
2
No
2962
IFI2.2. Apart from today when was the last time you used this financial service
40
2962
1
Yesterday
2
2
In the past 7 days
8
3
In the past 30 days
14
4
In the past 90 days
10
5
More than 90 days ago
3
6
Stopped using altogether
3
Sysmiss
2962
IFI2.2. Apart from today when was the last time you used this financial service for any financial activity? Cooperative
IFI3.2. Do you have an account/membership in your name with any of the following
3002
0
1
Yes
37
2
No
2965
IFI3.2. Do you have an account/membership in your name with any of the following? Cooperative
IFI4.2. Apart from today, when was the last time you used the account/membership
37
2965
1
Yesterday
2
2
In the past 7 days
5
3
In the past 30 days
13
4
In the past 90 days
10
5
More than 90 days ago
6
6
Stopped using altogether
1
Sysmiss
2965
IFI4.2. Apart from today, when was the last time you used the account/membership that is in your name for this service? Cooperative
IFI1.3. Have you ever used any of the following? Saving & Credit Union Assiciati
3002
0
1
Yes
143
2
No
2859
IFI1.3. Have you ever used any of the following? Saving & Credit Union Assiciations
IFI2.3. Apart from today when was the last time you used this financial service
143
2859
1
Yesterday
9
2
In the past 7 days
24
3
In the past 30 days
39
4
In the past 90 days
20
5
More than 90 days ago
27
6
Stopped using altogether
24
Sysmiss
2859
IFI2.3. Apart from today when was the last time you used this financial service for any financial activity? Saving & Credit Union Assiciations
IFI3.3. Do you have an account/membership in your name with any of the following
3002
0
1
Yes
95
2
No
2907
IFI3.3. Do you have an account/membership in your name with any of the following? Saving & Credit Union Assiciations
IFI4.3. Apart from today, when was the last time you used the account/membership
95
2907
1
Yesterday
13
2
In the past 7 days
10
3
In the past 30 days
30
4
In the past 90 days
14
5
More than 90 days ago
17
6
Stopped using altogether
11
Sysmiss
2907
IFI4.3. Apart from today, when was the last time you used the account/membership that is in your name for this service? Saving & Credit Union Assiciations
IFI1.4. Have you ever used any of the following? Susu or another informal saving
3002
0
1
Yes
300
2
No
2702
IFI1.4. Have you ever used any of the following? Susu or another informal saving network
IFI2.4. Apart from today when was the last time you used this financial service
300
2702
1
Yesterday
51
2
In the past 7 days
55
3
In the past 30 days
44
4
In the past 90 days
19
5
More than 90 days ago
25
6
Stopped using altogether
106
Sysmiss
2702
IFI2.4. Apart from today when was the last time you used this financial service for any financial activity? Susu or another informal saving network
IFI3.4. Do you have an account/membership in your name with any of the following
0
3002
1
Yes
0
2
No
0
Sysmiss
3002
IFI3.4. Do you have an account/membership in your name with any of the following? Susu or another informal saving network
IFI4.4. Apart from today, when was the last time you used the account/membership
0
3002
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
3002
IFI4.4. Apart from today, when was the last time you used the account/membership that is in your name for this service? Susu or another informal saving network
IFI1.5. Have you ever used any of the following? A money guard/someone in workpl
3002
0
1
Yes
50
2
No
2952
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
50
2952
1
Yesterday
4
2
In the past 7 days
25
3
In the past 30 days
6
4
In the past 90 days
3
5
More than 90 days ago
4
6
Stopped using altogether
8
Sysmiss
2952
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? A digital card, a recharge card
3002
0
1
Yes
14
2
No
2988
IFI1.6. Have you ever used any of the following? A digital card, a recharge card that is not attached directly to your bank or MFI account. e.g. ezwich card
IFI2.6. Apart from today when was the last time you used this financial service
14
2988
1
Yesterday
1
2
In the past 7 days
4
3
In the past 30 days
2
4
In the past 90 days
2
5
More than 90 days ago
2
6
Stopped using altogether
3
Sysmiss
2988
IFI2.6. 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 directly to your bank or MFI account. e.g. ezwich card
IFI1.7. Have you ever used any of the following? Other financial service
3002
0
1
Yes
3
2
No
2999
IFI2.7. Apart from today when was the last time you used this financial service
3
2999
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
0
6
Stopped using altogether
1
Sysmiss
2999
IFI2.7. Apart from today when was the last time you used this financial service for any financial activity? Other financial service
IFI5.1. Which of the following services does your? ... offer? Microfinance insti
298
2704
1
Loans and at least one of the following: Savings, money transfers, insurance, investments
238
2
Only loans and no other services
29
3
Only savings and no other services
18
4
Only insurance and no other services
4
5
None of the above
9
Sysmiss
2704
IFI5.1. Which of the following services does your? ... offer? Microfinance institution
IFI5.2. Which of the following services does your? ... offer? Cooperative
40
2962
1
Loans and at least one of the following: Savings, money transfers, insurance, investments
24
2
Only loans and no other services
9
3
Only savings and no other services
3
4
Only insurance and no other services
1
5
None of the above
3
Sysmiss
2962
IFI5.3. Which of the following services does your? ... offer? Saving & Credit Un
143
2859
1
Loans and at least one of the following: Savings, money transfers, insurance, investments
99
2
Only loans and no other services
11
3
Only savings and no other services
17
4
Only insurance and no other services
1
5
None of the above
15
Sysmiss
2859
IFI5.3. Which of the following services does your? ... offer? Saving & Credit Union Associations
IFI6.1. Does the following statement apply to an MFI account that you use, regis
298
2704
1
Yes
49
2
No
182
3
Dk/Refused
67
Sysmiss
2704
IFI6.1. 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
IFI6.2. Does the following statement apply to an MFI account that you use, regis
298
2704
1
Yes
47
2
No
219
3
Dk/Refused
32
Sysmiss
2704
IFI6.2. 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
IFI6.3. Does the following statement apply to an MFI account that you use, regis
298
2704
1
Yes
86
2
No
158
3
Dk/Refused
54
Sysmiss
2704
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 mon
IFI7.1. Does the following statement apply to an COOPERATIVE account that you us
40
2962
1
Yes
7
2
No
29
3
Dk/Refused
4
Sysmiss
2962
IFI7.1. Does the following statement apply to an COOPERATIVE 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
IFI7.2. Does the following statement apply to an COOPERATIVE account that you us
40
2962
1
Yes
7
2
No
31
3
Dk/Refused
2
Sysmiss
2962
IFI7.2. Does the following statement apply to an COOPERATIVE account that you use, registered or not? The institution offers a debit/ATM card or a credit card with this account
IFI7.3. Does the following statement apply to an COOPERATIVE account that you us
40
2962
1
Yes
12
2
No
23
3
Dk/Refused
5
Sysmiss
2962
IFI7.3. Does the following statement apply to an COOPERATIVE 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/mo
IFI8.1. Does the following statement apply to an Saving & Credit union associati
143
2859
1
Yes
22
2
No
88
3
Dk/Refused
33
Sysmiss
2859
IFI8.1. Does the following statement apply to an Saving & Credit union association 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
IFI8.2. Does the following statement apply to an Saving & Credit union associati
143
2859
1
Yes
18
2
No
103
3
Dk/Refused
22
Sysmiss
2859
IFI8.2. Does the following statement apply to an Saving & Credit union association account that you use, registered or not? The institution offers a debit/ATM card or a credit card with this account
IFI8.3. Does the following statement apply to an Saving & Credit union associati
143
2859
1
Yes
44
2
No
69
3
Dk/Refused
30
Sysmiss
2859
IFI8.3. Does the following statement apply to an Saving & Credit union association 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
IFI10.1. Have you ever used your MFI account for the following? Basic transactio
298
2704
1
Yes
231
2
No
67
Sysmiss
2704
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
298
2704
1
Yes
63
2
No
235
Sysmiss
2704
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
298
2704
1
Yes
6
2
No
292
Sysmiss
2704
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, etc.
IFI10.4. Have you ever used your MFI account for the following? Save/store money
298
2704
1
Yes
214
2
No
84
Sysmiss
2704
IFI10.5. Have you ever used your MFI account for the following? Buy insurance, m
298
2704
1
Yes
6
2
No
292
Sysmiss
2704
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, borr
298
2704
1
Yes
69
2
No
229
Sysmiss
2704
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
298
2704
1
Yes
20
2
No
278
Sysmiss
2704
IFI10.8. Have you ever used your MFI account for the following? Pay for grocerie
298
2704
1
Yes
12
2
No
286
Sysmiss
2704
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 tr
298
2704
1
Yes
19
2
No
279
Sysmiss
2704
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
298
2704
1
Yes
9
2
No
289
Sysmiss
2704
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
298
2704
1
Yes
3
2
No
295
Sysmiss
2704
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 COOPERATIVE account for the following? Basic tr
40
2962
1
Yes
27
2
No
13
Sysmiss
2962
IFI11.1. Have you ever used your COOPERATIVE account for the following? Basic transactions: deposit or withdraw money, buy airtime
IFI11.2. Have you ever used your COOPERATIVE account for the following? Send or
40
2962
1
Yes
9
2
No
31
Sysmiss
2962
IFI11.2. Have you ever used your COOPERATIVE account for the following? Send or receive remittances to/from other people
IFI11.3. Have you ever used your COOPERATIVE account for the following? Make pay
40
2962
1
Yes
6
2
No
34
Sysmiss
2962
IFI11.3. Have you ever used your COOPERATIVE account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, etc.
IFI11.4. Have you ever used your COOPERATIVE account for the following? Save/sto
40
2962
1
Yes
28
2
No
12
Sysmiss
2962
IFI11.4. Have you ever used your COOPERATIVE account for the following? Save/store money
IFI11.5. Have you ever used your COOPERATIVE account for the following? Buy insu
40
2962
1
Yes
3
2
No
37
Sysmiss
2962
IFI11.5. Have you ever used your COOPERATIVE account for the following? Buy insurance, make payments, receive claims on insurance
IFI11.6. Have you ever used your COOPERATIVE account for the following? Take loa
40
2962
1
Yes
9
2
No
31
Sysmiss
2962
IFI11.6. Have you ever used your COOPERATIVE account for the following? Take loans, borrow money
IFI11.7. Have you ever used your COOPERATIVE account for the following? Make inv
40
2962
1
Yes
1
2
No
39
Sysmiss
2962
IFI11.7. Have you ever used your COOPERATIVE account for the following? Make investments
IFI11.8. Have you ever used your COOPERATIVE account for the following? Pay for
40
2962
1
Yes
0
2
No
40
Sysmiss
2962
IFI11.8. Have you ever used your COOPERATIVE account for the following? Pay for groceries, clothes, etc.
IFI11.9. Have you ever used your COOPERATIVE account for the following? Make bus
40
2962
1
Yes
3
2
No
37
Sysmiss
2962
IFI11.9. Have you ever used your COOPERATIVE account for the following? Make business transactions
IFI11.10. Have you ever used your COOPERATIVE account for the following? Transfe
40
2962
1
Yes
2
2
No
38
Sysmiss
2962
IFI11.10. Have you ever used your COOPERATIVE account for the following? Transfer money between an account at this institution and your bank account
IFI11.11. Have you ever used your COOPERATIVE account for the following? Transfe
40
2962
1
Yes
0
2
No
40
Sysmiss
2962
IFI11.11. Have you ever used your COOPERATIVE account for the following? Transfer money between an account at this institution and your mobile money account
IFI12.1. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
110
2
No
33
Sysmiss
2859
IFI12.1. Have you ever used your Savings & Credit union association account for the following? Basic transactions: deposit or withdraw money, buy airtime
IFI12.2. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
33
2
No
110
Sysmiss
2859
IFI12.2. Have you ever used your Savings & Credit union association account for the following? Send or receive remittances to/from other people
IFI12.3. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
6
2
No
137
Sysmiss
2859
IFI12.3. Have you ever used your Savings & Credit union association account for the following? Make payments to government or other organizations or receive payments from organizations or government, for example, salary, pensions, etc.
IFI12.4. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
97
2
No
46
Sysmiss
2859
IFI12.4. Have you ever used your Savings & Credit union association account for the following? Save/store money
IFI12.5. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
9
2
No
134
Sysmiss
2859
IFI12.5. Have you ever used your Savings & Credit union association account for the following? Buy insurance, make payments, receive claims on insurance
IFI12.6. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
18
2
No
125
Sysmiss
2859
IFI12.6. Have you ever used your Savings & Credit union association account for the following? Take loans, borrow money
IFI12.7. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
10
2
No
133
Sysmiss
2859
IFI12.7. Have you ever used your Savings & Credit union association account for the following? Make investments
IFI12.8. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
4
2
No
139
Sysmiss
2859
IFI12.8. Have you ever used your Savings & Credit union association account for the following? Pay for groceries, clothes, etc.
IFI12.9. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
9
2
No
134
Sysmiss
2859
IFI12.9. Have you ever used your Savings & Credit union association account for the following? Make business transactions
IFI12.10. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
3
2
No
140
Sysmiss
2859
IFI12.10. Have you ever used your Savings & Credit union association account for the following? Transfer money between an account at this institution and your bank account
IFI12.11. Have you ever used your Savings & Credit union association account for
143
2859
1
Yes
2
2
No
141
Sysmiss
2859
IFI12.11. Have you ever used your Savings & Credit union association 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
3002
0
1
0.5 km or less
425
2
More than 0.5 km to 1 km
580
3
More than 1 km to 5 km
739
4
More than 5 km to 10 km
279
5
More than 10 km to 15 km
86
6
More than 15 km
41
7
DK/Refused
852
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? Cooperative
3002
0
1
0.5 km or less
272
2
More than 0.5 km to 1 km
354
3
More than 1 km to 5 km
538
4
More than 5 km to 10 km
249
5
More than 10 km to 15 km
82
6
More than 15 km
46
7
DK/Refused
1461
IFI14.3. How far is the closest ... from the place where you live? Savings & Cre
3002
0
1
0.5 km or less
322
2
More than 0.5 km to 1 km
421
3
More than 1 km to 5 km
615
4
More than 5 km to 10 km
278
5
More than 10 km to 15 km
84
6
More than 15 km
46
7
DK/Refused
1236
IFI14.3. How far is the closest ... from the place where you live? Savings & Credit Union Associations
IFI14.4. How far is the closest ... from the place where you live? Susu or anoth
3002
0
1
0.5 km or less
428
2
More than 0.5 km to 1 km
382
3
More than 1 km to 5 km
442
4
More than 5 km to 10 km
235
5
More than 10 km to 15 km
71
6
More than 15 km
52
7
DK/Refused
1392
IFI14.4. How far is the closest ... from the place where you live? Susu or another informal saving network
IFI14.5. How far is the closest ... from the place where you live? A money guard
3002
0
1
0.5 km or less
226
2
More than 0.5 km to 1 km
292
3
More than 1 km to 5 km
287
4
More than 5 km to 10 km
165
5
More than 10 km to 15 km
66
6
More than 15 km
53
7
DK/Refused
1913
IFI14.5. How far is the closest ... from the place where you live? A money guard/ someone in workplace or neighborhood that collects and keeps savings deposits on a regular basis
IFI14.6. How far is the closest ... from the place where you live? Savings colle
3002
0
1
0.5 km or less
359
2
More than 0.5 km to 1 km
369
3
More than 1 km to 5 km
424
4
More than 5 km to 10 km
236
5
More than 10 km to 15 km
67
6
More than 15 km
48
7
DK/Refused
1499
IFI14.6. How far is the closest ... from the place where you live? Savings collectors
IFI14.7. How far is the closest ... from the place where you live? ATM, bank or
3002
0
1
0.5 km or less
265
2
More than 0.5 km to 1 km
517
3
More than 1 km to 5 km
747
4
More than 5 km to 10 km
325
5
More than 10 km to 15 km
141
6
More than 15 km
78
7
DK/Refused
929
IFI14.7. How far is the closest ... from the place where you live? ATM, bank or another place where you can recharge a digital card, a recharge card that is not attached to a bank or MFI account
IFI14.8. How far is the closest ... from the place where you live? Other financi
3002
0
1
0.5 km or less
63
2
More than 0.5 km to 1 km
103
3
More than 1 km to 5 km
119
4
More than 5 km to 10 km
98
5
More than 10 km to 15 km
36
6
More than 15 km
38
7
DK/Refused
2545
IFI14.8. How far is the closest ... from the place where you live? Other financial service
FL1. How often do you make a plan for how to spend your income, whether it is ea
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)?
3002
0
1
Always or most of the time
1309
2
Sometimes
1286
3
Rarely
302
4
Never
105
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?
2897
105
1
Always or most of the time
889
2
Sometimes
1465
3
Rarely
519
4
Never
24
Sysmiss
105
FL3.1. Please, tell me how often does the following apply to you? I spend less m
3002
0
1
Always or most of the time
832
2
Sometimes
1249
3
Rarely
506
4
Never
415
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 emer
3002
0
1
Always or most of the time
364
2
Sometimes
1039
3
Rarely
444
4
Never
1155
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 bills
3002
0
1
Always or most of the time
892
2
Sometimes
1214
3
Rarely
387
4
Never
509
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 are
3002
0
1
Always or most of the time
625
2
Sometimes
1035
3
Rarely
537
4
Never
805
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 t
3002
0
1
Yes
389
2
No
2613
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
3002
0
1
Yes
316
2
No
2686
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
3002
0
1
Yes
1302
2
No
1700
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 l
Which of the following statements best describes your financial situation last month?
3002
0
1
I paid all typical family/personal expenses, including food, clothing, housing, bills and other living expenses and stil
808
2
I paid all typical family/personal expenses, including food, clothing, housing, bills and other living expenses but had
1948
3
I had to borrow money to pay some typical family/personal expenses
208
4
I had to borrow money to pay all typical family/personal expenses
38
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
808
2194
1
Saving money
593
2
Paying for insurance
21
3
Repaying loans
13
4
Sending money to other people, including sending regular support money, emergency support, gifts, etc.
41
5
Investing
60
6
Entertainment: movies, restaurants, sport shows, theater plays, restaurants
42
7
Other
22
8
There were no more money left
16
Sysmiss
2194
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
808
2194
1
Saving money
65
2
Paying for insurance
75
3
Repaying loans
23
4
Sending money to other people, including sending regular support money, emergency support, gifts, etc.
64
5
Investing
98
6
Entertainment: movies, restaurants, sport shows, theater plays, restaurants
125
7
Other
26
8
There were no more money left
332
Sysmiss
2194
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
808
2194
1
Saving money
60
2
Paying for insurance
61
3
Repaying loans
65
4
Sending money to other people, including sending regular support money, emergency support, gifts, etc.
34
5
Investing
76
6
Entertainment: movies, restaurants, sport shows, theater plays, restaurants
175
7
Other
159
8
There were no more money left
178
Sysmiss
2194
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?
3002
0
1
None
2792
2
1
164
3
2-3
20
4
More than 3
26
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?
3002
0
1
I repay in full before the deadline
116
2
I repay on the agreed day ? neither before the deadline nor after the deadline
156
3
I ask for an extension for repayment
33
4
I occasionally fail to repay by the deadline and forget to ask for an extension
12
5
I do not borrow money/don?t have loans
2685
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 b
Which of the following best describes how you usually spend the money you borrow?
317
2685
1
Routine purchases such as groceries and transportation
78
2
Medical payments, hospital charges
42
3
Educational expenses, school fees
48
4
Bills: utility bills, mobile phone and airtime, rent, taxes, etc.
24
5
Emergency expenses
9
6
Investment in business, farm or future, e.g., buying livestock, land, seeds, equipment and machinery, etc.
101
7
Make a large purchase, such as TV, car or bicycle, house, etc.
6
8
Other
9
Sysmiss
2685
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
317
2685
1
Yes
94
2
No
223
Sysmiss
2685
FL11.1. Do you know what interest rate or fee you pay on your loans from?? Bank
94
2908
1
Yes
67
2
No
27
Sysmiss
2908
FL10.2. Do you borrow money from any of the following? Microfinance institution
317
2685
1
Yes
55
2
No
262
Sysmiss
2685
FL11.2. Do you know what interest rate or fee you pay on your loans from?? Micro
55
2947
1
Yes
38
2
No
17
Sysmiss
2947
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
317
2685
1
Yes
6
2
No
311
Sysmiss
2685
FL11.3. Do you know what interest rate or fee you pay on your loans from?? Mobil
6
2996
1
Yes
2
2
No
4
Sysmiss
2996
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 in
317
2685
1
Yes
6
2
No
311
Sysmiss
2685
FL10.4. Do you borrow money from any of the following? Other formal financial institution
FL11.4. Do you know what interest rate or fee you pay on your loans from?? Other
6
2996
1
Yes
2
2
No
4
Sysmiss
2996
FL11.4. Do you know what interest rate or fee you pay on your loans from?? Other formal financial institution
FL10.5. Do you borrow money from any of the following? Informal financial servic
317
2685
1
Yes
22
2
No
295
Sysmiss
2685
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?? Infor
22
2980
1
Yes
11
2
No
11
Sysmiss
2980
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., famil
317
2685
1
Yes
119
2
No
198
Sysmiss
2685
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
119
2883
1
Yes
63
2
No
56
Sysmiss
2883
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
317
2685
1
Yes
4
2
No
313
Sysmiss
2685
FL11.7. Do you know what interest rate or fee you pay on your loans from?? Other
4
2998
1
Yes
2
2
No
2
Sysmiss
2998
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?
170
2832
1
I can borrow money through other means
45
2
I do not know how to open an account
1
3
I do not have a state ID or other required documents
1
4
There is no formal financial institution close to where I live
3
5
Paperwork is too complicated
9
6
Registration fee is too high
2
7
I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che
4
8
Fees for using this service are too high
10
9
No one among my friends of family saves/borrows money
1
10
I do not trust formal financial institutions
2
11
I prefer to rely on my friends and family for financial services rather than formal institutions
21
12
The amount of money I need to borrow is too small to use such a service
33
13
Formal financial institutions are not flexible enough
8
14
Interest rate is too high
12
15
I have enough money, I don?t need to borrow
8
16
I tried to borrow formally but I was denied
2
17
Other
8
Sysmiss
2832
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
3002
0
1
Yes
943
2
No
2059
FL14.1. Do you know what interest rate you earn on your savings accounts from??
943
2059
1
Yes
243
2
No
700
Sysmiss
2059
FL14.1. Do you know what interest rate you earn on your savings accounts from?? Bank
FL13.2. Do you save with any of the following? Microfinance institution
3002
0
1
Yes
227
2
No
2775
FL14.2. Do you know what interest rate you earn on your savings accounts from??
227
2775
1
Yes
63
2
No
164
Sysmiss
2775
FL14.2. Do you know what interest rate you earn on your savings accounts from?? Microfinance institution
FL13.3. Do you save with any of the following? Mobile money
3002
0
1
Yes
374
2
No
2628
FL14.3. Do you know what interest rate you earn on your savings accounts from??
374
2628
1
Yes
49
2
No
325
Sysmiss
2628
FL14.3. Do you know what interest rate you earn on your savings accounts from?? Mobile money
FL13.4. Do you save with any of the following? Informal/semi-formal financial or
3002
0
1
Yes
177
2
No
2825
FL13.4. Do you save with any of the following? Informal/semi-formal financial organizations such as cooperatives, SUSU, village savings group etc.
FL14.4. Do you know what interest rate you earn on your savings accounts from??
177
2825
1
Yes
39
2
No
138
Sysmiss
2825
FL14.4. Do you know what interest rate you earn on your savings accounts from?? Informal/semi-formal financial organizations such as cooperatives, SUSU, village savings group etc
FL13.5. Do you save with any of the following? Other people, e.g. family, friend
3002
0
1
Yes
148
2
No
2854
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 you
3002
0
1
Yes
796
2
No
2206
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
3002
0
1
Yes
43
2
No
2959
FL14.7. FL14.7.Do you know what interest rate you earn on your savings accounts
43
2959
1
Yes
8
2
No
35
Sysmiss
2959
FL14.7. FL14.7.Do you know what interest rate you earn on your savings accounts from?? Other
FL15.1. What is the main reason you do not save at a bank, MFI or on a mobile mo
2059
943
1
I can save through other means
339
2
I do not know how to open an account
63
3
I do not have a state ID or other required documents
24
4
There is no formal financial institution close to where I live
29
5
Paperwork is too complicated
37
6
Registration fee is too high
45
7
I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che
52
8
Fees for using this service are too high
110
9
No one among my friends of family saves money
8
10
I?m afraid it will be stolen
14
11
I do not trust formal financial institutions
58
12
I prefer to rely on my friends and family for financial services rather than formal institutions
24
13
The amount of money I am saving is too small to use such a service
277
14
Formal financial institutions are not flexible enough
43
15
I do not have enough money to save
889
16
I tried to open a savings account but I was denied
14
17
Other
33
Sysmiss
943
FL15.1. What is the main reason you do not save at a bank, MFI or on a mobile money account? Bank
FL15.2. What is the main reason you do not save at a bank, MFI or on a mobile mo
2775
227
1
I can save through other means
729
2
I do not know how to open an account
53
3
I do not have a state ID or other required documents
27
4
There is no formal financial institution close to where I live
45
5
Paperwork is too complicated
31
6
Registration fee is too high
19
7
I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che
45
8
Fees for using this service are too high
82
9
No one among my friends of family saves money
16
10
I?m afraid it will be stolen
108
11
I do not trust formal financial institutions
217
12
I prefer to rely on my friends and family for financial services rather than formal institutions
38
13
The amount of money I am saving is too small to use such a service
266
14
Formal financial institutions are not flexible enough
38
15
I do not have enough money to save
1006
16
I tried to open a savings account but I was denied
14
17
Other
41
Sysmiss
227
FL15.2. What is the main reason you do not save at a bank, MFI or on a mobile money account? MFI
FL15.3. What is the main reason you do not save at a bank, MFI or on a mobile mo
2628
374
1
I can save through other means
691
2
I do not know how to open an account
62
3
I do not have a state ID or other required documents
28
4
There is no formal financial institution close to where I live
28
5
Paperwork is too complicated
12
6
Registration fee is too high
7
7
I have difficulty understanding how to use such accounts, including account menus, filling deposit/withdrawal slips, che
69
8
Fees for using this service are too high
33
9
No one among my friends of family saves money
15
10
I?m afraid it will be stolen
54
11
I do not trust formal financial institutions
89
12
I prefer to rely on my friends and family for financial services rather than formal institutions
43
13
The amount of money I am saving is too small to use such a service
247
14
Formal financial institutions are not flexible enough
34
15
I do not have enough money to save
1104
16
I tried to open a savings account but I was denied
20
17
Other
92
Sysmiss
374
FL15.3. What is the main reason you do not save at a bank, MFI or on a mobile money account? MM Account
FL16.1. FL16.1.Do you save for any of the following purposes? Start/expand my ow
2011
991
1
Yes
1010
2
No
1001
Sysmiss
991
FL16.1. FL16.1.Do you save for any of the following purposes? Start/expand my own business
FL16.2. FL16.2.Do you save for any of the following purposes? Education for myse
2011
991
1
Yes
426
2
No
1585
Sysmiss
991
FL16.2. FL16.2.Do you save for any of the following purposes? Education for myself
FL16.3. FL16.3.Do you save for any of the following purposes? Get ready for reti
2011
991
1
Yes
283
2
No
1728
Sysmiss
991
FL16.3. FL16.3.Do you save for any of the following purposes? Get ready for retirement
FL16.4. FL16.4.Do you save for any of the following purposes? Buy expensive and
2011
991
1
Yes
452
2
No
1559
Sysmiss
991
FL16.4. 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. FL16.5.Do you save for any of the following purposes? Save as much as I
2011
991
1
Yes
1240
2
No
771
Sysmiss
991
FL16.5. FL16.5.Do you save for any of the following purposes? Save as much as I can
FL16.6. FL16.6.Do you save for any of the following purposes? Protect my family
2011
991
1
Yes
884
2
No
1127
Sysmiss
991
FL16.6. FL16.6.Do you save for any of the following purposes? Protect my family from poverty and crime
FL16.7. FL16.7.Do you save for any of the following purposes? Protect my belongi
2011
991
1
Yes
720
2
No
1291
Sysmiss
991
FL16.7. FL16.7.Do you save for any of the following purposes? Protect my belongings
FL16.8. FL16.8.Do you save for any of the following purposes? Just make ends mee
2011
991
1
Yes
983
2
No
1028
Sysmiss
991
FL16.8. FL16.8.Do you save for any of the following purposes? Just make ends meet on a daily basis
FL16.9. FL16.9.Do you save for any of the following purposes? Give back to my co
2011
991
1
Yes
210
2
No
1801
Sysmiss
991
FL16.9. 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. FL16.10.Do you save for any of the following purposes? Build children?s
2011
991
1
Yes
458
2
No
1553
Sysmiss
991
FL16.10. FL16.10.Do you save for any of the following purposes? Build children?s fund for education
FL16.11. FL16.11.Do you save for any of the following purposes? Build children?s
2011
991
1
Yes
101
2
No
1910
Sysmiss
991
FL16.11. FL16.11.Do you save for any of the following purposes? Build children?s fund for wedding (the ceremony and/or dowry)
FL16.12. FL16.12.Do you save for any of the following purposes? Other
2011
991
1
Yes
29
2
No
1982
Sysmiss
991
FL16.13. FL16.13.Do you save for any of the following purposes? DK/Refused
2011
991
1
Yes
128
2
No
1883
Sysmiss
991
FL17.1. Do you have insurance to cover for any of the following? Medical
3002
0
1
Yes
1891
2
No
1111
FL17A.1. Is this insurance provided by a mobile network operator? Medical
1891
1111
1
Yes
92
2
No
1799
Sysmiss
1111
FL17B.1. Is this insurance free of charge or do you pay for it? Medical
1891
1111
1
It?s free
160
2
I pay for it
1712
3
DK/Refused
19
Sysmiss
1111
FL17.2. Do you have insurance to cover for any of the following? Life
3002
0
1
Yes
106
2
No
2896
FL17A.2. Is this insurance provided by a mobile network operator? Life
106
2896
1
Yes
24
2
No
82
Sysmiss
2896
FL17B.2. Is this insurance free of charge or do you pay for it? Life
106
2896
1
It?s free
6
2
I pay for it
95
3
DK/Refused
5
Sysmiss
2896
FL17.3. Do you have insurance to cover for any of the following? Car
3002
0
1
Yes
57
2
No
2945
FL17A.3. Is this insurance provided by a mobile network operator? Car
57
2945
1
Yes
2
2
No
55
Sysmiss
2945
FL17B.3. Is this insurance free of charge or do you pay for it? Car
57
2945
1
It?s free
2
2
I pay for it
52
3
DK/Refused
3
Sysmiss
2945
FL17.4. Do you have insurance to cover for any of the following? Agriculture
3002
0
1
Yes
15
2
No
2987
FL17A.4. Is this insurance provided by a mobile network operator? Agriculture
15
2987
1
Yes
0
2
No
15
Sysmiss
2987
FL17B.4. Is this insurance free of charge or do you pay for it? Agriculture
15
2987
1
It?s free
0
2
I pay for it
11
3
DK/Refused
4
Sysmiss
2987
FL17.5. Do you have insurance to cover for any of the following? House/property
3002
0
1
Yes
28
2
No
2974
FL17A.5. Is this insurance provided by a mobile network operator? House/property
28
2974
1
Yes
3
2
No
25
Sysmiss
2974
FL17B.5. Is this insurance free of charge or do you pay for it? House/property
28
2974
1
It?s free
1
2
I pay for it
20
3
DK/Refused
7
Sysmiss
2974
FL17.6. Do you have insurance to cover for any of the following? Unemployment/in
3002
0
1
Yes
12
2
No
2990
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/i
12
2990
1
Yes
0
2
No
12
Sysmiss
2990
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/inc
12
2990
1
It?s free
0
2
I pay for it
8
3
DK/Refused
4
Sysmiss
2990
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
3002
0
1
Yes
6
2
No
2996
FL17A.7. Is this insurance provided by a mobile network operator? Other
6
2996
1
Yes
2
2
No
4
Sysmiss
2996
FL17B.7. Is this insurance free of charge or do you pay for it? Other
6
2996
1
It?s free
1
2
I pay for it
2
3
DK/Refused
3
Sysmiss
2996
FL17.8. Do you have insurance to cover for any of the following? DK/Refused
3002
0
1
Yes
1070
2
No
1932
FL18.1. Do you invest in any of the following? Your own business
3002
0
1
Yes
1085
2
No
1917
FL18.2. Do you invest in any of the following? Other people?s business (your nei
3002
0
1
Yes
49
2
No
2953
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
3002
0
1
Yes
85
2
No
2917
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
3002
0
1
Yes
9
2
No
2993
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 (
3002
0
1
Yes
19
2
No
2983
FL18.5. Do you invest in any of the following? Buy shares of local enterprises (e.g.,Safaricom,Kenya Airways,Kengens companies)
FL18.6. Do you invest in any of the following? Buy government bonds
3002
0
1
Yes
12
2
No
2990
FL18.7. Do you invest in any of the following? Other
3002
0
1
Yes
25
2
No
2977
FL18.8. Do you invest in any of the following? DK/Refused
3002
0
1
Yes
1818
2
No
1184
FL19. Imagine you have 100 GHS 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 100 GHS and you have to divide it among 5 people. How much money will each person receive if you divide it equally?
3002
0
1
20 GHS
2783
2
Any other answer
120
3
DK/Refused
99
FL19. Imagine you have 100 GHS 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 GHS in your savings account. Your account is earning
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 100 GHS 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?
3002
0
1
More than 100 GHS
1837
2
Less than 100 GHS
463
3
Exactly 100 GHS
88
4
DK/Refused
614
FL20. Imagine you have 100 GHS 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 GHS and you have to pay a fee of 2% each mo
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 100 GHS 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)?
3002
0
1
More than 100 GHS
1474
2
Less than 100 GHS
680
3
Exactly 100 GHS
127
4
DK/Refused
721
FL21. Imagine you took a loan of 100 GHS 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)?
FL22. Imagine you have 100 GHS worth of investment, which earn you 3% interest e
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 100 GHS 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?
3002
0
1
More than 100 GHS
1297
2
Less than 100 GHS
640
3
Exactly 100 GHS
154
4
DK/Refused
911
FL22. Imagine you have 100 GHS 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 mi
3002
0
1
Yes
339
2
No
2462
3
DK/Refused
201
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 mi
3002
0
1
Yes
1059
2
No
1815
3
DK/Refused
128
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 mi
3002
0
1
Yes
296
2
No
2514
3
DK/Refused
192
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 mi
3002
0
1
Yes
169
2
No
2616
3
DK/Refused
217
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 mi
3002
0
1
Yes
324
2
No
2491
3
DK/Refused
187
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 mi
3002
0
1
Yes
710
2
No
2125
3
DK/Refused
167
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
What is the primary reason you don't have your own phone and do not use a phone that belongs to someone else?
105
2897
1
It?s too expensive
39
2
I am not permitted to
9
3
I have no need for one/no one to call
15
4
It is too difficult/complex to use
4
5
I don?t know how to get one
2
6
Other
17
7
DK/Refused
19
Sysmiss
2897
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
2897
105
1
Very Easy
1135
2
Easy
846
3
Difficult
398
4
Very difficult
328
5
Not applicable, don?t receive such messages
139
6
DK/Refused
51
Sysmiss
105
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
2897
105
1
Very Easy
782
2
Easy
566
3
Difficult
309
4
Very difficult
294
5
Not applicable, don?t receive such messages
830
6
DK/Refused
116
Sysmiss
105
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
2897
105
1
Very Easy
995
2
Easy
831
3
Difficult
435
4
Very difficult
387
5
Not applicable, don?t receive such messages
180
6
DK/Refused
69
Sysmiss
105
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
2897
105
1
Very Easy
708
2
Easy
561
3
Difficult
297
4
Very difficult
250
5
Not applicable, don?t receive such messages
955
6
DK/Refused
126
Sysmiss
105
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
TDL5.1. Please, tell me how easy or difficult it is for you to understand text m
2897
105
1
Very Easy
1218
2
Easy
775
3
Difficult
385
4
Very difficult
371
5
Not applicable, don?t receive such messages
103
6
DK/Refused
45
Sysmiss
105
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 m
2897
105
1
Very Easy
445
2
Easy
524
3
Difficult
432
4
Very difficult
355
5
Not applicable, don?t receive such messages
1042
6
DK/Refused
99
Sysmiss
105
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 Twi
TDL5.3. Please, tell me how easy or difficult it is for you to understand text m
2897
105
1
Very Easy
312
2
Easy
359
3
Difficult
374
4
Very difficult
342
5
Not applicable, don?t receive such messages
1393
6
DK/Refused
117
Sysmiss
105
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 Twi only
TDL5.4. Please, tell me how easy or difficult it is for you to understand text m
2897
105
1
Very Easy
58
2
Easy
113
3
Difficult
267
4
Very difficult
371
5
Not applicable, don?t receive such messages
1951
6
DK/Refused
137
Sysmiss
105
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 English is mixed with Ga
TDL5.5. Please, tell me how easy or difficult it is for you to understand text m
2897
105
1
Very Easy
40
2
Easy
63
3
Difficult
166
4
Very difficult
407
5
Not applicable, don?t receive such messages
2079
6
DK/Refused
142
Sysmiss
105
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 Ga only
TDL5.6. Please, tell me how easy or difficult it is for you to understand text m
2897
105
1
Very Easy
72
2
Easy
61
3
Difficult
170
4
Very difficult
366
5
Not applicable, don?t receive such messages
2093
6
DK/Refused
135
Sysmiss
105
TDL5.6. 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 Ewe
TDL5.7. Please, tell me how easy or difficult it is for you to understand text m
2897
105
1
Very Easy
101
2
Easy
72
3
Difficult
114
4
Very difficult
381
5
Not applicable, don?t receive such messages
2090
6
DK/Refused
139
Sysmiss
105
TDL5.7. 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 Ewe only
TDL5.8. Please, tell me how easy or difficult it is for you to understand text m
2897
105
1
Very Easy
12
2
Easy
54
3
Difficult
128
4
Very difficult
375
5
Not applicable, don?t receive such messages
2163
6
DK/Refused
165
Sysmiss
105
TDL5.8. 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 Dagbani
TDL5.9. Please, tell me how easy or difficult it is for you to understand text m
2897
105
1
Very Easy
13
2
Easy
48
3
Difficult
109
4
Very difficult
368
5
Not applicable, don?t receive such messages
2182
6
DK/Refused
177
Sysmiss
105
TDL5.9. 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 Dagbani only
TDL5.10. Please, tell me how easy or difficult it is for you to understand text
2897
105
1
Very Easy
6
2
Easy
26
3
Difficult
54
4
Very difficult
215
5
Not applicable, don?t receive such messages
2088
6
DK/Refused
508
Sysmiss
105
TDL5.10. 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 Other
TDL6A. Who first taught you how to use mobile money services?
Who first taught you how to use mobile money services?
908
2094
1
Family members in this household
153
2
Family member in another household
47
3
Other relative
10
4
Workmate or a business partner
11
5
Neighbor, not a relative
21
6
Mobile Operator?s employee (not an agent)
43
7
Mobile money promoter (not an agent)
34
8
Mobile money agent
139
9
Friend
139
10
Mobile money provider help line
8
11
Other
15
12
Nobody taught me, I learned myself
288
Sysmiss
2094
TDL6B. Which of the following statements best describes how your first learning
You said you were taught to use mobile money by (READ THE ANSWER FROM TDL6a). Which of the following statements best describes how your first learning was set up?
620
2382
1
A one-on-one session with just you and your educator
512
2
A group session with people you knew before, i.e. your savings group members, your colleagues, your classmates, people f
25
3
A group session with people you never met before, a random group of people
14
4
A group session with people you knew before and then a follow up one-on-one session with you and your educator
6
5
A group session with people you never met before and then a follow up one-on-one session with you and your educator
1
6
Other
6
7
DK/Refused
56
Sysmiss
2382
TDL6B. Which of the following statements best describes how your first learning was set up?
TDL7.1. Have you ever done the following activities related to the use of mobile
908
2094
1
Yes
456
2
no
427
3
DK/Refused
25
Sysmiss
2094
TDL7.1. Have you ever done the following activities related to the use of mobile money services by yourself? Open an mobile money menu
TDL8.1. On a scale from 1 (very easy) to 4 (very difficult), how easy or difficu
456
2546
1
Very Easy
261
2
Easy
182
3
Difficult
12
4
Very difficult
0
5
DK/Refused
1
Sysmiss
2546
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 an mobile money menu
TDL7.2. Have you ever done the following activities related to the use of mobile
908
2094
1
Yes
394
2
no
490
3
DK/Refused
24
Sysmiss
2094
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 difficu
394
2608
1
Very Easy
225
2
Easy
158
3
Difficult
10
4
Very difficult
1
5
DK/Refused
0
Sysmiss
2608
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 trans
TDL7.3. Have you ever done the following activities related to the use of mobile
908
2094
1
Yes
365
2
no
518
3
DK/Refused
25
Sysmiss
2094
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 difficu
365
2637
1
Very Easy
213
2
Easy
145
3
Difficult
7
4
Very difficult
0
5
DK/Refused
0
Sysmiss
2637
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
908
2094
1
Yes
367
2
no
519
3
DK/Refused
22
Sysmiss
2094
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 difficu
367
2635
1
Very Easy
204
2
Easy
150
3
Difficult
12
4
Very difficult
0
5
DK/Refused
1
Sysmiss
2635
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
908
2094
1
Yes
351
2
no
531
3
DK/Refused
26
Sysmiss
2094
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 difficu
351
2651
1
Very Easy
211
2
Easy
130
3
Difficult
9
4
Very difficult
0
5
DK/Refused
1
Sysmiss
2651
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
908
2094
1
Yes
252
2
no
622
3
DK/Refused
34
Sysmiss
2094
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 difficu
252
2750
1
Very Easy
156
2
Easy
85
3
Difficult
9
4
Very difficult
0
5
DK/Refused
2
Sysmiss
2750
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 recipien
TDL7.7. Have you ever done the following activities related to the use of mobile
908
2094
1
Yes
273
2
no
609
3
DK/Refused
26
Sysmiss
2094
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 difficu
273
2729
1
Very Easy
175
2
Easy
89
3
Difficult
7
4
Very difficult
0
5
DK/Refused
2
Sysmiss
2729
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
908
2094
1
Yes
357
2
no
527
3
DK/Refused
24
Sysmiss
2094
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 difficu
357
2645
1
Very Easy
216
2
Easy
123
3
Difficult
18
4
Very difficult
0
5
DK/Refused
0
Sysmiss
2645
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
908
2094
1
Yes
469
2
no
415
3
DK/Refused
24
Sysmiss
2094
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 difficu
469
2533
1
Very Easy
276
2
Easy
180
3
Difficult
10
4
Very difficult
1
5
DK/Refused
2
Sysmiss
2533
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 mobil
908
2094
1
Yes
363
2
no
521
3
DK/Refused
24
Sysmiss
2094
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 diffic
363
2639
1
Very Easy
219
2
Easy
132
3
Difficult
11
4
Very difficult
0
5
DK/Refused
1
Sysmiss
2639
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 mobil
908
2094
1
Yes
438
2
no
446
3
DK/Refused
24
Sysmiss
2094
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 diffic
438
2564
1
Very Easy
265
2
Easy
160
3
Difficult
11
4
Very difficult
0
5
DK/Refused
2
Sysmiss
2564
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 mobil
908
2094
1
Yes
268
2
no
615
3
DK/Refused
25
Sysmiss
2094
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 diffic
268
2734
1
Very Easy
188
2
Easy
77
3
Difficult
3
4
Very difficult
0
5
DK/Refused
0
Sysmiss
2734
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 mobil
908
2094
1
Yes
434
2
no
450
3
DK/Refused
24
Sysmiss
2094
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 diffic
434
2568
1
Very Easy
273
2
Easy
147
3
Difficult
12
4
Very difficult
1
5
DK/Refused
1
Sysmiss
2568
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
When you experienced the difficulties that you mentioned above who do you ask for help most frequently?
50
2952
1
Spouse
5
2
Parent
0
3
Child
1
4
Cousin
3
5
Niece or nephew
0
6
Aunt or uncle
0
7
Grandparent
0
8
Other relative
0
9
Workmate or a business partner
1
10
Neighbor, not a relative
2
11
Mobile Operator?s agent/employee
5
12
Mobile money agent
23
13
Friend
5
14
Mobile money provider help line
0
15
Other
0
16
Don?t ask anyone, just don?t do the activity
5
Sysmiss
2952
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?
45
2957
1
Yes
18
2
No
27
Sysmiss
2957
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?
50
2952
1
Yes
42
2
No
8
Sysmiss
2952
TDL12.1. How did the agent react when you asked his/her for help? Agent was frie
23
2979
1
Yes
21
2
No
2
Sysmiss
2979
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 irri
23
2979
1
Yes
1
2
No
22
Sysmiss
2979
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 angr
23
2979
1
Yes
1
2
No
22
Sysmiss
2979
TDL12.3. How did the agent react when you asked his/her for help? Agent was angry
TDL12.4. How did the agent react when you asked his/her for help? Agent was help
23
2979
1
Yes
16
2
No
7
Sysmiss
2979
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
23
2979
1
Yes
11
2
No
12
Sysmiss
2979
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 sent me
23
2979
1
Yes
2
2
No
21
Sysmiss
2979
TDL12.6. How did the agent react when you asked his/her for help? Agent sent me to a different office for help
TDL12.7. How did the agent react when you asked his/her for help? Other
23
2979
1
Yes
0
2
No
23
Sysmiss
2979
TDL12.8. How did the agent react when you asked his/her for help? DK/Refused
23
2979
1
Yes
1
2
No
22
Sysmiss
2979
FB1.1. Have you ever done the following? Buy mobile recharge/Pay mobile bill
3002
0
1
Yes
2681
2
No
321
FB2.1. When was the last time you did this activity? Buy mobile recharge/Pay mob
2681
321
1
Yesterday
1278
2
In the past 7 days
963
3
In the past 30 days
312
4
In the past 90 days
72
5
More than 90 days ago
56
Sysmiss
321
FB2.1. When was the last time you did this activity? Buy mobile recharge/Pay mobile bill
FB3.1. Which of these methods do you use most frequently for this activity? Buy
2681
321
1
Cash-Personally delivered
2546
2
Cash sent through post or courier
17
3
Cash sent through friend/relative
34
4
Electronic transfer using a bank account
9
5
Cheque/Demand/Banker?s Draft
1
6
ATM or Debit card given by bank
2
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
2
9
M-money: Own m-money account
52
10
M-money: Agent?s m-money account
10
11
M-money: Another person?s account (friend, family member, neighbor, etc)
4
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
1
14
Gold
0
15
Barter of food or other goods
0
16
Other
3
Sysmiss
321
FB3.1. Which of these methods do you use most frequently for this activity? Buy mobile recharge/Pay mobile bill
FB1.2. Have you ever done the following? Pay a school/college fee
3002
0
1
Yes
1241
2
No
1761
FB2.2. When was the last time you did this activity? Pay a school/college fee
1241
1761
1
Yesterday
56
2
In the past 7 days
99
3
In the past 30 days
367
4
In the past 90 days
350
5
More than 90 days ago
369
Sysmiss
1761
FB3.2. Which of these methods do you use most frequently for this activity? Pay
1241
1761
1
Cash-Personally delivered
1082
2
Cash sent through post or courier
23
3
Cash sent through friend/relative
34
4
Electronic transfer using a bank account
52
5
Cheque/Demand/Banker?s Draft
38
6
ATM or Debit card given by bank
0
7
Credit card
1
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
4
10
M-money: Agent?s m-money account
2
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
1
13
Private money transfer agent (not a bank or formal service)
2
14
Gold
0
15
Barter of food or other goods
0
16
Other
1
Sysmiss
1761
FB3.2. Which of these methods do you use most frequently for this activity? Pay a school/college fee
FB1.3. Have you ever done the following? Pay a medical bill
3002
0
1
Yes
1253
2
No
1749
FB2.3. When was the last time you did this activity? Pay a medical bill
1253
1749
1
Yesterday
63
2
In the past 7 days
111
3
In the past 30 days
332
4
In the past 90 days
288
5
More than 90 days ago
459
Sysmiss
1749
FB3.3. Which of these methods do you use most frequently for this activity? Pay
1253
1749
1
Cash-Personally delivered
1206
2
Cash sent through post or courier
10
3
Cash sent through friend/relative
12
4
Electronic transfer using a bank account
7
5
Cheque/Demand/Banker?s Draft
8
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
4
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
2
14
Gold
0
15
Barter of food or other goods
0
16
Other
3
Sysmiss
1749
FB3.3. Which of these methods do you use most frequently for this activity? Pay a medical bill
FB1.4. Have you ever done the following? Pay a regular bill such as electricity,
3002
0
1
Yes
1356
2
No
1646
FB1.4. Have you ever done the following? Pay a regular bill such as electricity, water, landline, cable tv, internet
FB2.4. When was the last time you did this activity? Pay a regular bill such as
1356
1646
1
Yesterday
104
2
In the past 7 days
332
3
In the past 30 days
700
4
In the past 90 days
125
5
More than 90 days ago
95
Sysmiss
1646
FB2.4. When was the last time you did this activity? Pay a regular bill such as electricity, water, landline, cable tv, internet
FB3.4. Which of these methods do you use most frequently for this activity? Pay
1356
1646
1
Cash-Personally delivered
1259
2
Cash sent through post or courier
10
3
Cash sent through friend/relative
49
4
Electronic transfer using a bank account
19
5
Cheque/Demand/Banker?s Draft
7
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
5
10
M-money: Agent?s m-money account
1
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
1
13
Private money transfer agent (not a bank or formal service)
1
14
Gold
0
15
Barter of food or other goods
1
16
Other
2
Sysmiss
1646
FB3.4. Which of these methods do you use most frequently for this activity? Pay a regular bill such as electricity, water, landline, cable tv, internet
FB1.5. Have you ever done the following? Pay rent
3002
0
1
Yes
524
2
No
2478
FB2.5. When was the last time you did this activity? Pay rent
524
2478
1
Yesterday
28
2
In the past 7 days
36
3
In the past 30 days
120
4
In the past 90 days
66
5
More than 90 days ago
274
Sysmiss
2478
FB3.5. Which of these methods do you use most frequently for this activity? Pay
524
2478
1
Cash-Personally delivered
486
2
Cash sent through post or courier
4
3
Cash sent through friend/relative
10
4
Electronic transfer using a bank account
12
5
Cheque/Demand/Banker?s Draft
4
6
ATM or Debit card given by bank
1
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
1
9
M-money: Own m-money account
5
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2478
FB3.5. Which of these methods do you use most frequently for this activity? Pay rent
FB1.6. Have you ever done the following? Pay a government bill, including fine,
3002
0
1
Yes
229
2
No
2773
FB1.6. Have you ever done the following? Pay a government bill, including fine, fee or tax
FB2.6. When was the last time you did this activity? Pay a government bill, incl
229
2773
1
Yesterday
18
2
In the past 7 days
21
3
In the past 30 days
93
4
In the past 90 days
43
5
More than 90 days ago
54
Sysmiss
2773
FB2.6. When was the last time you did this activity? Pay a government bill, including fine, fee or tax
FB3.6. Which of these methods do you use most frequently for this activity? Pay
229
2773
1
Cash-Personally delivered
176
2
Cash sent through post or courier
1
3
Cash sent through friend/relative
14
4
Electronic transfer using a bank account
31
5
Cheque/Demand/Banker?s Draft
3
6
ATM or Debit card given by bank
1
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
2
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2773
FB3.6. Which of these methods do you use most frequently for this activity? Pay a government bill, including fine, fee or tax
FB1.7. Have you ever done the following? Send money to family members, friends,
3002
0
1
Yes
524
2
No
2478
FB1.7. Have you ever done the following? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household)
FB2.7. When was the last time you did this activity? Send money to family member
524
2478
1
Yesterday
28
2
In the past 7 days
80
3
In the past 30 days
213
4
In the past 90 days
103
5
More than 90 days ago
100
Sysmiss
2478
FB2.7. When was the last time you did this activity? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household)
FB3.7. Which of these methods do you use most frequently for this activity? Send
524
2478
1
Cash-Personally delivered
229
2
Cash sent through post or courier
10
3
Cash sent through friend/relative
115
4
Electronic transfer using a bank account
47
5
Cheque/Demand/Banker?s Draft
5
6
ATM or Debit card given by bank
3
7
Credit card
1
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
1
9
M-money: Own m-money account
75
10
M-money: Agent?s m-money account
28
11
M-money: Another person?s account (friend, family member, neighbor, etc)
4
12
Western Union/ Money Gram
4
13
Private money transfer agent (not a bank or formal service)
1
14
Gold
0
15
Barter of food or other goods
0
16
Other
1
Sysmiss
2478
FB3.7. Which of these methods do you use most frequently for this activity? Send money to family members, friends, workmates or other acquaintances for regular support/allowances (outside household)
FB1.8. Have you ever done the following? Send money to family members, friends,
3002
0
1
Yes
618
2
No
2384
FB1.8. Have you ever done the following? Send money to family members, friends, workmates or other acquaintances to help with emergencies (outside household)
FB2.8. When was the last time you did this activity? Send money to family member
618
2384
1
Yesterday
28
2
In the past 7 days
97
3
In the past 30 days
253
4
In the past 90 days
118
5
More than 90 days ago
122
Sysmiss
2384
FB2.8. When was the last time you did this activity? Send money to family members, friends, workmates or other acquaintances to help with emergencies (outside household)
FB3.8. Which of these methods do you use most frequently for this activity? Send
618
2384
1
Cash-Personally delivered
279
2
Cash sent through post or courier
18
3
Cash sent through friend/relative
133
4
Electronic transfer using a bank account
49
5
Cheque/Demand/Banker?s Draft
5
6
ATM or Debit card given by bank
2
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
4
9
M-money: Own m-money account
83
10
M-money: Agent?s m-money account
32
11
M-money: Another person?s account (friend, family member, neighbor, etc)
6
12
Western Union/ Money Gram
7
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2384
FB3.8. Which of these methods do you use most frequently for this activity? Send money to family members, friends, workmates or other acquaintances to help with emergencies (outside household)
FB1.9. Have you ever done the following? Receive money from family members, frie
3002
0
1
Yes
1241
2
No
1761
FB1.9. Have you ever done the following? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money (outside household)
FB2.9. When was the last time you did this activity? Receive money from family m
1241
1761
1
Yesterday
70
2
In the past 7 days
230
3
In the past 30 days
495
4
In the past 90 days
247
5
More than 90 days ago
199
Sysmiss
1761
FB2.9. When was the last time you did this activity? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money (outside household)
FB3.9. Which of these methods do you use most frequently for this activity? Rece
1241
1761
1
Cash-Personally delivered
562
2
Cash sent through post or courier
35
3
Cash sent through friend/relative
283
4
Electronic transfer using a bank account
82
5
Cheque/Demand/Banker?s Draft
8
6
ATM or Debit card given by bank
13
7
Credit card
2
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
9
9
M-money: Own m-money account
158
10
M-money: Agent?s m-money account
44
11
M-money: Another person?s account (friend, family member, neighbor, etc)
9
12
Western Union/ Money Gram
27
13
Private money transfer agent (not a bank or formal service)
5
14
Gold
0
15
Barter of food or other goods
2
16
Other
2
Sysmiss
1761
FB3.9. Which of these methods do you use most frequently for this activity? Receive money from family members, friends, workmates or other acquaintances for regular support/allowances/pocket money (outside household)
FB1.10. Have you ever done the following? Receive money from family members, fri
3002
0
1
Yes
931
2
No
2071
FB1.10. Have you ever done the following? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household)
FB2.10. When was the last time you did this activity? Receive money from family
931
2071
1
Yesterday
52
2
In the past 7 days
159
3
In the past 30 days
335
4
In the past 90 days
209
5
More than 90 days ago
176
Sysmiss
2071
FB2.10. When was the last time you did this activity? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household)
FB3.10. Which of these methods do you use most frequently for this activity? Rec
931
2071
1
Cash-Personally delivered
439
2
Cash sent through post or courier
28
3
Cash sent through friend/relative
169
4
Electronic transfer using a bank account
74
5
Cheque/Demand/Banker?s Draft
9
6
ATM or Debit card given by bank
3
7
Credit card
3
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
2
9
M-money: Own m-money account
130
10
M-money: Agent?s m-money account
35
11
M-money: Another person?s account (friend, family member, neighbor, etc)
10
12
Western Union/ Money Gram
24
13
Private money transfer agent (not a bank or formal service)
2
14
Gold
0
15
Barter of food or other goods
1
16
Other
2
Sysmiss
2071
FB3.10. Which of these methods do you use most frequently for this activity? Receive money from family members, friends, workmates or other acquaintances to help with emergencies (outside household)
FB1.11. Have you ever done the following? Receive welfare, pension from the gove
3002
0
1
Yes
94
2
No
2908
FB1.11. Have you ever done the following? Receive welfare, pension from the government
FB2.11. When was the last time you did this activity? Receive welfare, pension f
94
2908
1
Yesterday
12
2
In the past 7 days
15
3
In the past 30 days
37
4
In the past 90 days
17
5
More than 90 days ago
13
Sysmiss
2908
FB2.11. When was the last time you did this activity? Receive welfare, pension from the government
FB3.11. Which of these methods do you use most frequently for this activity? Rec
94
2908
1
Cash-Personally delivered
42
2
Cash sent through post or courier
2
3
Cash sent through friend/relative
9
4
Electronic transfer using a bank account
22
5
Cheque/Demand/Banker?s Draft
7
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
1
9
M-money: Own m-money account
7
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
1
13
Private money transfer agent (not a bank or formal service)
1
14
Gold
0
15
Barter of food or other goods
1
16
Other
0
Sysmiss
2908
FB3.11. Which of these methods do you use most frequently for this activity? Receive welfare, pension from the government
FB1.12. Have you ever done the following? Receive other benefit payments from th
3002
0
1
Yes
71
2
No
2931
FB1.12. Have you ever done the following? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc
FB2.12. When was the last time you did this activity? Receive other benefit paym
71
2931
1
Yesterday
8
2
In the past 7 days
10
3
In the past 30 days
28
4
In the past 90 days
12
5
More than 90 days ago
13
Sysmiss
2931
FB2.12. When was the last time you did this activity? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc
FB3.12. Which of these methods do you use most frequently for this activity? Rec
71
2931
1
Cash-Personally delivered
49
2
Cash sent through post or courier
1
3
Cash sent through friend/relative
1
4
Electronic transfer using a bank account
14
5
Cheque/Demand/Banker?s Draft
1
6
ATM or Debit card given by bank
3
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
1
9
M-money: Own m-money account
1
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2931
FB3.12. Which of these methods do you use most frequently for this activity? Receive other benefit payments from the government or government agencysuch as scholarship, subsidies, money on birth of girl child, etc
FB1.13. Have you ever done the following? Receive wages/salary/income for primar
3002
0
1
Yes
686
2
No
2316
FB1.13. Have you ever done the following? Receive wages/salary/income for primary job
FB2.13. When was the last time you did this activity? Receive wages/salary/incom
686
2316
1
Yesterday
89
2
In the past 7 days
159
3
In the past 30 days
304
4
In the past 90 days
85
5
More than 90 days ago
49
Sysmiss
2316
FB2.13. When was the last time you did this activity? Receive wages/salary/income for primary job
FB3.13. Which of these methods do you use most frequently for this activity? Rec
686
2316
1
Cash-Personally delivered
537
2
Cash sent through post or courier
10
3
Cash sent through friend/relative
19
4
Electronic transfer using a bank account
86
5
Cheque/Demand/Banker?s Draft
6
6
ATM or Debit card given by bank
8
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
1
9
M-money: Own m-money account
13
10
M-money: Agent?s m-money account
5
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
1
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2316
FB3.13. Which of these methods do you use most frequently for this activity? Receive wages/salary/income for primary job
FB1.14. Have you ever done the following? Receive wages/salary/income for second
3002
0
1
Yes
180
2
No
2822
FB1.14. Have you ever done the following? Receive wages/salary/income for secondary job(s)
FB2.14. When was the last time you did this activity? Receive wages/salary/incom
180
2822
1
Yesterday
17
2
In the past 7 days
30
3
In the past 30 days
69
4
In the past 90 days
34
5
More than 90 days ago
30
Sysmiss
2822
FB2.14. When was the last time you did this activity? Receive wages/salary/income for secondary job(s)
FB3.14. Which of these methods do you use most frequently for this activity? Rec
180
2822
1
Cash-Personally delivered
150
2
Cash sent through post or courier
3
3
Cash sent through friend/relative
3
4
Electronic transfer using a bank account
16
5
Cheque/Demand/Banker?s Draft
1
6
ATM or Debit card given by bank
2
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
3
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
1
16
Other
0
Sysmiss
2822
FB3.14. Which of these methods do you use most frequently for this activity? Receive wages/salary/income for secondary job(s)
FB1.15. Have you ever done the following? Pay for large acquisitions, including
3002
0
1
Yes
73
2
No
2929
FB1.15. Have you ever done the following? Pay for large acquisitions, including land, cattle, residence
FB2.15. When was the last time you did this activity? Pay for large acquisitions
73
2929
1
Yesterday
2
2
In the past 7 days
4
3
In the past 30 days
15
4
In the past 90 days
13
5
More than 90 days ago
39
Sysmiss
2929
FB2.15. When was the last time you did this activity? Pay for large acquisitions, including land, cattle, residence
FB3.15. Which of these methods do you use most frequently for this activity? Pay
73
2929
1
Cash-Personally delivered
63
2
Cash sent through post or courier
1
3
Cash sent through friend/relative
3
4
Electronic transfer using a bank account
5
5
Cheque/Demand/Banker?s Draft
0
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
0
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
1
16
Other
0
Sysmiss
2929
FB3.15. Which of these methods do you use most frequently for this activity? Pay for large acquisitions, including land, cattle, residence
FB1.16. Have you ever done the following? Pay premium for any insurance taken
3002
0
1
Yes
333
2
No
2669
FB2.16. When was the last time you did this activity? Pay premium for any insura
333
2669
1
Yesterday
6
2
In the past 7 days
12
3
In the past 30 days
55
4
In the past 90 days
93
5
More than 90 days ago
167
Sysmiss
2669
FB2.16. When was the last time you did this activity? Pay premium for any insurance taken
FB3.16. Which of these methods do you use most frequently for this activity? Pay
333
2669
1
Cash-Personally delivered
310
2
Cash sent through post or courier
2
3
Cash sent through friend/relative
2
4
Electronic transfer using a bank account
15
5
Cheque/Demand/Banker?s Draft
1
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
1
10
M-money: Agent?s m-money account
1
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
1
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2669
FB3.16. Which of these methods do you use most frequently for this activity? Pay premium for any insurance taken
FB1.17. Have you ever done the following? Receive claims on insurance
3002
0
1
Yes
44
2
No
2958
FB2.17. When was the last time you did this activity? Receive claims on insuranc
44
2958
1
Yesterday
3
2
In the past 7 days
1
3
In the past 30 days
12
4
In the past 90 days
7
5
More than 90 days ago
21
Sysmiss
2958
FB2.17. When was the last time you did this activity? Receive claims on insurance
FB3.17. Which of these methods do you use most frequently for this activity? Rec
44
2958
1
Cash-Personally delivered
36
2
Cash sent through post or courier
0
3
Cash sent through friend/relative
0
4
Electronic transfer using a bank account
7
5
Cheque/Demand/Banker?s Draft
0
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
1
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2958
FB3.17. Which of these methods do you use most frequently for this activity? Receive claims on insurance
FB1.18. Have you ever done the following? Pay loan instalment
3002
0
1
Yes
76
2
No
2926
FB2.18. When was the last time you did this activity? Pay loan instalment
76
2926
1
Yesterday
7
2
In the past 7 days
5
3
In the past 30 days
25
4
In the past 90 days
11
5
More than 90 days ago
28
Sysmiss
2926
FB3.18. Which of these methods do you use most frequently for this activity? Pay
76
2926
1
Cash-Personally delivered
63
2
Cash sent through post or courier
1
3
Cash sent through friend/relative
1
4
Electronic transfer using a bank account
8
5
Cheque/Demand/Banker?s Draft
0
6
ATM or Debit card given by bank
1
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
0
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
2
Sysmiss
2926
FB3.18. Which of these methods do you use most frequently for this activity? Pay loan instalment
FB1.19. Have you ever done the following? Receive payments on a loan given
3002
0
1
Yes
90
2
No
2912
FB2.19. When was the last time you did this activity? Receive payments on a loan
90
2912
1
Yesterday
20
2
In the past 7 days
17
3
In the past 30 days
18
4
In the past 90 days
15
5
More than 90 days ago
20
Sysmiss
2912
FB2.19. When was the last time you did this activity? Receive payments on a loan given
FB3.19. Which of these methods do you use most frequently for this activity? Rec
90
2912
1
Cash-Personally delivered
83
2
Cash sent through post or courier
0
3
Cash sent through friend/relative
2
4
Electronic transfer using a bank account
2
5
Cheque/Demand/Banker?s Draft
1
6
ATM or Debit card given by bank
1
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
0
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2912
FB3.19. Which of these methods do you use most frequently for this activity? Receive payments on a loan given
FB1.20. Have you ever done the following? Pay for goods at grocery store, other
3002
0
1
Yes
1157
2
No
1845
FB1.20. Have you ever done the following? Pay for goods at grocery store, other store/shop
FB2.20. When was the last time you did this activity? Pay for goods at grocery s
1157
1845
1
Yesterday
357
2
In the past 7 days
323
3
In the past 30 days
313
4
In the past 90 days
99
5
More than 90 days ago
65
Sysmiss
1845
FB2.20. When was the last time you did this activity? Pay for goods at grocery store, other store/shop
FB3.20. Which of these methods do you use most frequently for this activity? Pay
1157
1845
1
Cash-Personally delivered
1112
2
Cash sent through post or courier
6
3
Cash sent through friend/relative
18
4
Electronic transfer using a bank account
10
5
Cheque/Demand/Banker?s Draft
1
6
ATM or Debit card given by bank
2
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
1
9
M-money: Own m-money account
5
10
M-money: Agent?s m-money account
2
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
1845
FB3.20. Which of these methods do you use most frequently for this activity? Pay for goods at grocery store, other store/shop
FB1.21. Have you ever done the following? Take a loan or make payments on a loan
3002
0
1
Yes
167
2
No
2835
FB2.21. When was the last time you did this activity? Take a loan or make paymen
167
2835
1
Yesterday
10
2
In the past 7 days
17
3
In the past 30 days
41
4
In the past 90 days
43
5
More than 90 days ago
56
Sysmiss
2835
FB2.21. When was the last time you did this activity? Take a loan or make payments on a loan
FB3.21. Which of these methods do you use most frequently for this activity? Tak
167
2835
1
Cash-Personally delivered
143
2
Cash sent through post or courier
0
3
Cash sent through friend/relative
1
4
Electronic transfer using a bank account
18
5
Cheque/Demand/Banker?s Draft
0
6
ATM or Debit card given by bank
1
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
2
10
M-money: Agent?s m-money account
1
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
1
Sysmiss
2835
FB3.21. Which of these methods do you use most frequently for this activity? Take a loan or make payments on a loan
FB1.22. Have you ever done the following? Give a loan or receive payments on a l
3002
0
1
Yes
65
2
No
2937
FB1.22. Have you ever done the following? Give a loan or receive payments on a loan
FB2.22. When was the last time you did this activity? Give a loan or receive pay
65
2937
1
Yesterday
7
2
In the past 7 days
5
3
In the past 30 days
19
4
In the past 90 days
19
5
More than 90 days ago
15
Sysmiss
2937
FB2.22. When was the last time you did this activity? Give a loan or receive payments on a loan
FB3.22. Which of these methods do you use most frequently for this activity? Giv
65
2937
1
Cash-Personally delivered
52
2
Cash sent through post or courier
0
3
Cash sent through friend/relative
2
4
Electronic transfer using a bank account
9
5
Cheque/Demand/Banker?s Draft
1
6
ATM or Debit card given by bank
0
7
Credit card
1
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
0
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2937
FB3.22. Which of these methods do you use most frequently for this activity? Give a loan or receive payments on a loan
FB1.23. Have you ever done the following? Make investment
3002
0
1
Yes
393
2
No
2609
FB2.23. When was the last time you did this activity? Make investment
393
2609
1
Yesterday
14
2
In the past 7 days
37
3
In the past 30 days
98
4
In the past 90 days
105
5
More than 90 days ago
139
Sysmiss
2609
FB3.23. Which of these methods do you use most frequently for this activity? Mak
393
2609
1
Cash-Personally delivered
365
2
Cash sent through post or courier
0
3
Cash sent through friend/relative
1
4
Electronic transfer using a bank account
20
5
Cheque/Demand/Banker?s Draft
2
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
4
10
M-money: Agent?s m-money account
0
11
M-money: Another person?s account (friend, family member, neighbor, etc)
1
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2609
FB3.23. Which of these methods do you use most frequently for this activity? Make investment
FB1.24. Have you ever done the following? Save money
3002
0
1
Yes
970
2
No
2032
FB2.24. When was the last time you did this activity? Save money
970
2032
1
Yesterday
65
2
In the past 7 days
147
3
In the past 30 days
292
4
In the past 90 days
283
5
More than 90 days ago
183
Sysmiss
2032
FB3.24. Which of these methods do you use most frequently for this activity? Sav
970
2032
1
Cash-Personally delivered
688
2
Cash sent through post or courier
5
3
Cash sent through friend/relative
7
4
Electronic transfer using a bank account
209
5
Cheque/Demand/Banker?s Draft
1
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
5
9
M-money: Own m-money account
43
10
M-money: Agent?s m-money account
2
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
3
14
Gold
0
15
Barter of food or other goods
5
16
Other
2
Sysmiss
2032
FB3.24. Which of these methods do you use most frequently for this activity? Save money
FB1.25. Have you ever done the following? Set money aside for retirement or emer
3002
0
1
Yes
255
2
No
2747
FB1.25. Have you ever done the following? Set money aside for retirement or emergency
FB2.25. When was the last time you did this activity? Set money aside for retire
255
2747
1
Yesterday
8
2
In the past 7 days
27
3
In the past 30 days
73
4
In the past 90 days
73
5
More than 90 days ago
74
Sysmiss
2747
FB2.25. When was the last time you did this activity? Set money aside for retirement or emergency
FB3.25. Which of these methods do you use most frequently for this activity? Set
255
2747
1
Cash-Personally delivered
146
2
Cash sent through post or courier
0
3
Cash sent through friend/relative
3
4
Electronic transfer using a bank account
92
5
Cheque/Demand/Banker?s Draft
2
6
ATM or Debit card given by bank
0
7
Credit card
0
8
Digital card (A rechargeable card that is not attached to a bank or MFI account)
0
9
M-money: Own m-money account
11
10
M-money: Agent?s m-money account
1
11
M-money: Another person?s account (friend, family member, neighbor, etc)
0
12
Western Union/ Money Gram
0
13
Private money transfer agent (not a bank or formal service)
0
14
Gold
0
15
Barter of food or other goods
0
16
Other
0
Sysmiss
2747
FB3.25. Which of these methods do you use most frequently for this activity? Set money aside for retirement or emergency
IO1. Ghana has several m-money providers. As a m-money user, would you like to s
Ghana has several m-money providers. As a m-money user, would you like to see m-money providers work together with one another to provide m-money services?
3002
0
1
Yes
1940
2
No
488
3
It will make no difference to me
574
IO1. Ghana has several m-money providers. As a m-money user, would you like to see m-money providers work together with one another to provide m-money services?
IO2. Would you like to see m-money providers work together with other financial
Would you like to see m-money providers work together with other financial institutions, such as banks, MFIs, Savings and Credit Union Associations (SACCO), etc.?
3002
0
1
Yes
1927
2
No
469
3
It will make no difference to me
606
IO2. Would you like to see m-money providers work together with other financial institutions, such as banks, MFIs, Savings and Credit Union Associations (SACCO) etc.?
IO3.1. IO3.1. What would you like to see as a result of such working together? I
2031
971
1
Yes
1016
2
No
1015
Sysmiss
971
IO3.1. IO3.1. What would you like to see as a result of such working together? I will have access to my money whenever and wherever I need it
IO3.2. IO3.2. What would you like to see as a result of such working together? U
2031
971
1
Yes
455
2
No
1576
Sysmiss
971
IO3.2. IO3.2. What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be faster
IO3.3. IO3.3. What would you like to see as a result of such working together? U
2031
971
1
Yes
504
2
No
1527
Sysmiss
971
IO3.3. IO3.3. What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be cheaper
IO3.4. IO3.4. What would you like to see as a result of such working together? U
2031
971
1
Yes
343
2
No
1688
Sysmiss
971
IO3.4. IO3.4. What would you like to see as a result of such working together? Using my m-money account for cross-network or cross-institution transactions will be less complicated technology-wise
IO3.5. IO3.5. What would you like to see as a result of such working together? I
2031
971
1
Yes
348
2
No
1683
Sysmiss
971
IO3.5. IO3.5. What would you like to see as a result of such working together? I will not have to carry cash ? my money and I will be safer
IO3.6. IO3.6. What would you like to see as a result of such working together? O
2031
971
1
Yes
28
2
No
2003
Sysmiss
971
IO3.6. IO3.6. What would you like to see as a result of such working together? Other
IO3.7. IO3.7. What would you like to see as a result of such working together? D
2031
971
1
Yes
88
2
No
1943
Sysmiss
971
IO3.7. IO3.7. What would you like to see as a result of such working together? DK/Refused
IO4. Which financial organizations would you most like to see engaging with one
Which financial organizations would you most like to see engaging with one another to encourage you to use m-money/use m-money more frequently?
3002
0
1
M-money providers alone
455
2
M-money providers and financial organizations: banks, MFIs, Savings and Credit Union Associations (SACCO)
1048
3
All m-money providers and all financial organizations work together
768
4
None
323
5
DK/Refused
408
IO4. Which financial organizations would you most like to see engaging with one another to encourage you to use m-money/use m-money more frequently?
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.
3002
0
1
Respondent read the informed consent form fluently and without any help from the interviewer
973
2
Respondent read the informed consent form well but had a little help from the interviewer
767
3
Respondent struggled to read the informed consent form and had a lot of help from the interviewer
578
4
Respondent unable to read the consent form and requested the interviewer read it to them
684
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.
3002
0
1
The respondent fully understood the informed consent form without any help from the interviewer (confirm by asking)
981
2
Respondent understood the informed consent form well but asked for a little help from the interviewer
797
3
Respondent struggled to understand the informed consent form and asked for a lot of help from the interviewer
596
4
Respondent unable to understand the informed consent form and interviewer explained in full using simpler language
628
LN2.1. Evaluate how do you perform in the following. Reading in English
3002
0
1
Cannot do this at all
625
2
Very bad
467
3
Somewhat bad
449
4
Good
652
5
Excellent
809
LN2.2. Evaluate how do you perform in the following. Writing in English
3002
0
1
Cannot do this at all
633
2
Very bad
477
3
Somewhat bad
477
4
Good
640
5
Excellent
775
LN2.3. Evaluate how do you perform in the following. Reading in Twi
3002
0
1
Cannot do this at all
1012
2
Very bad
478
3
Somewhat bad
475
4
Good
518
5
Excellent
519
LN2.4. Evaluate how do you perform in the following. Writing in Twi
3002
0
1
Cannot do this at all
1077
2
Very bad
474
3
Somewhat bad
447
4
Good
468
5
Excellent
536
LN2.5. Evaluate how do you perform in the following. Reading in Ga
3002
0
1
Cannot do this at all
1777
2
Very bad
172
3
Somewhat bad
81
4
Good
118
5
Excellent
854
LN2.6. Evaluate how do you perform in the following. Writing in Ga
3002
0
1
Cannot do this at all
1816
2
Very bad
142
3
Somewhat bad
83
4
Good
89
5
Excellent
872
LN2.7. Evaluate how do you perform in the following. Reading in Ewe
3002
0
1
Cannot do this at all
1784
2
Very bad
122
3
Somewhat bad
92
4
Good
120
5
Excellent
884
LN2.8. Evaluate how do you perform in the following. Writing in Ewe
3002
0
1
Cannot do this at all
1817
2
Very bad
111
3
Somewhat bad
77
4
Good
115
5
Excellent
882
LN2.9. Evaluate how do you perform in the following. Reading in Dagbani
3002
0
1
Cannot do this at all
1920
2
Very bad
78
3
Somewhat bad
38
4
Good
67
5
Excellent
899
LN2.10. Evaluate how do you perform in the following. Writing in Dagbani
3002
0
1
Cannot do this at all
1917
2
Very bad
80
3
Somewhat bad
40
4
Good
65
5
Excellent
900
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?
3002
0
1
Yes
2404
2
No
598
RI6.1. How many of those calls and messages are made by you and how many by othe
2404
598
1
I make all or almost all, the calls and messages from this phone number
2212
2
I make more than half of the calls and messages from this phone number
65
3
I make less than half of the calls and messages from this phone number
49
4
Other people make almost all the calls or messages from this phone number
78
Sysmiss
598
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 othe
346
2656
1
I make all or almost all, the calls and messages from this phone number
296
2
I make more than half of the calls and messages from this phone number
38
3
I make less than half of the calls and messages from this phone number
4
4
Other people make almost all the calls or messages from this phone number
8
Sysmiss
2656
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 othe
22
2980
1
I make all or almost all, the calls and messages from this phone number
18
2
I make more than half of the calls and messages from this phone number
2
3
I make less than half of the calls and messages from this phone number
1
4
Other people make almost all the calls or messages from this phone number
1
Sysmiss
2980
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 oth
2404
598
1
All or almost all, the calls and messages to this phone number are for me
2190
2
More than half of the calls and messages to this phone number are for me
79
3
Less than half of the calls and messages to this phone number are for me
53
4
Calls and messages to this phone number are almost always for other people
82
Sysmiss
598
RI7.1. How many of those calls and messages are for you and how many are for others? From No.1 PHONE
RI7.2. How many of those calls and messages are for you and how many are for oth
346
2656
1
All or almost all, the calls and messages to this phone number are for me
285
2
More than half of the calls and messages to this phone number are for me
47
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
9
Sysmiss
2656
RI7.2. How many of those calls and messages are for you and how many are for others? From No.2 PHONE
RI7.3. How many of those calls and messages are for you and how many are for oth
22
2980
1
All or almost all, the calls and messages to this phone number are for me
17
2
More than half of the calls and messages to this phone number are for me
2
3
Less than half of the calls and messages to this phone number are for me
2
4
Calls and messages to this phone number are almost always for other people
1
Sysmiss
2980
RI7.3. How many of those calls and messages are for you and how many are for others? From No.3 PHONE
RI8.1. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
183
2
no
70
Sysmiss
2749
RI8.1. Who beside yourself, make or receive calls or messages on this phone number. Family member(s) in my household
RI8.2. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
55
2
no
198
Sysmiss
2749
RI8.2. Who beside yourself, make or receive calls or messages on this phone number. Family member(s)/ in a different household
RI8.3. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
27
2
no
226
Sysmiss
2749
RI8.3. Who beside yourself, make or receive calls or messages on this phone number. Other relative(s)
RI8.4. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
15
2
no
238
Sysmiss
2749
RI8.4. Who beside yourself, make or receive calls or messages on this phone number. Workmate(s) or a business partner(s)
RI8.5. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
30
2
no
223
Sysmiss
2749
RI8.5. Who beside yourself, make or receive calls or messages on this phone number. Neighbor(s), not a relative
RI8.6. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
6
2
no
247
Sysmiss
2749
RI8.6. Who beside yourself, make or receive calls or messages on this phone number. Mobile Operator?s agent/employee
RI8.7. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
50
2
no
203
Sysmiss
2749
RI8.7. Who beside yourself, make or receive calls or messages on this phone number. Friend(s)
RI8.8. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
6
2
no
247
Sysmiss
2749
RI8.8. Who beside yourself, make or receive calls or messages on this phone number. People who pay me to make or receive calls and messages
RI8.9. Who beside yourself, make or receive calls or messages on this phone numb
253
2749
1
Yes
6
2
no
247
Sysmiss
2749
RI8.9. Who beside yourself, make or receive calls or messages on this phone number. Other
RI8.10. Who beside yourself, make or receive calls or messages on this phone num
253
2749
1
Yes
38
2
no
215
Sysmiss
2749
RI8.10. Who beside yourself, make or receive calls or messages on this phone number. None
QC1. QUESTIONNAIRE ID:
3002
0
1
3336
QC3.1. Accompanied by Supervisor Date
1067
0
01.12.2014
17
02.12.2014
21
03.12.2014
23
04.12.2014
17
05.12.2014
18
06.12.2014
25
07.12.2014
18
08.12.2014
44
09.12.2014
85
10.12.2014
72
11.12.2014
80
12.12.2014
78
13.11.2014
1
13.12.2014
48
14.12.2014
19
15.12.2014
67
16.12.2014
37
17.12.2014
50
18.12.2014
52
19.12.2014
54
20.10.2014
1
20.12.2014
31
21.12.2014
21
22.11.2014
1
22.12.2014
24
23.12.2014
29
24.12.2014
47
25.12.2014
11
26.12.2014
1
27.12.2014
5
29.12.2014
11
30.12.2014
44
31.12.2014
15
QC3.2. Reviewed by Supervisor after fieldwork Date
980
0
01.12.2014
17
02.12.2014
21
03.12.2014
26
04.12.2014
17
05.12.2014
18
06.12.2014
28
07.12.2014
18
08.12.2014
45
09.12.2014
85
10.12.2014
61
11.12.2014
72
12.12.2014
76
13.11.2014
1
13.12.2014
48
14.12.2014
19
15.12.2014
73
16.12.2014
27
17.12.2014
56
18.12.2014
45
19.12.2014
44
20.10.2014
1
20.12.2014
24
21.12.2014
11
22.11.2014
1
22.12.2014
17
23.12.2014
30
24.12.2014
26
25.12.2014
2
26.12.2014
1
27.12.2014
4
29.12.2014
11
30.12.2014
40
31.12.2014
15
QC3.3. Back Checked by Supervisor (Physical Visit) Date
900
0
01.12.2014
16
02.12.2014
20
03.12.2014
24
04.12.2014
17
05.12.2014
22
06.12.2014
21
07.12.2014
20
08.12.2014
45
09.12.2014
76
10.12.2014
51
11.12.2014
72
12.12.2014
67
13.11.2014
1
13.12.2014
45
14.12.2014
19
15.12.2014
71
16.12.2014
31
17.12.2014
39
18.12.2014
41
19.12.2014
33
20.10.2014
1
20.12.2014
26
21.12.2014
9
22.11.2014
1
22.12.2014
14
23.12.2014
28
24.12.2014
16
25.12.2014
3
26.12.2014
1
27.12.2014
5
29.12.2014
10
30.12.2014
40
31.12.2014
15
QC3.4. Back Checked by Supervisor (Phone Call) Date
825
0
01.12.2014
14
02.12.2014
20
03.12.2014
25
04.12.2014
17
05.12.2014
18
06.12.2014
22
07.12.2014
18
08.12.2014
37
09.12.2014
71
10.12.2014
52
11.12.2014
53
12.12.2014
61
13.11.2014
1
13.12.2014
39
14.12.2014
19
15.12.2014
67
16.12.2014
33
17.12.2014
33
18.12.2014
28
19.12.2014
32
20.10.2014
1
20.12.2014
22
21.12.2014
9
22.11.2014
1
22.12.2014
14
23.12.2014
28
24.12.2014
18
25.12.2014
2
26.12.2014
1
27.12.2014
4
29.12.2014
9
30.12.2014
40
31.12.2014
16
WEIGHT.
3002
0
0.727
1.819
Is the respondent a male or a female?
3002
0
1
Male
1271
2
Female
1731
UR. Urban or Rural
3002
0
1
Urban
1645
2
Rural
1357
Eco-status ($2.50 poverty line)
3002
0
0
Above poverty line
2214
1
Below poverty line
788
Do you personally own a mobile phone?
3002
0
1
yes
2743
2
No
259
Do you personally have an active/working SIM card?
3002
0
1
Yes
2757
2
No
245
Have at least one active/working SIM card with Airtel
3002
0
0
2591
1
Yes
411
Have at least one active/working SIM card with Expresso
3002
0
0
2973
1
Yes
29
Have at least one active/working SIM card with Glo
3002
0
0
2850
1
Yes
152
Have at least one active/working SIM card with Tigo
3002
0
0
2417
1
Yes
585
Have at least one active/working SIM card with MTN
3002
0
0
1127
1
Yes
1875
Have at least one active/working SIM card with Vodafone
3002
0
0
2093
1
Yes
909
LITERACY.
3002
0
0
lack of basic literacy
699
1
Basic literacy
2303
NUMERACY.
3002
0
0
Lack of basic numeracy
136
1
Basic numeracy
2866
EDU. Education
3002
0
1
No formal education
353
2
Primary education
1107
3
Secondary education
1210
4
Higher education
317
5
Other
15
Employment Status
3002
0
1
Working within last 12 month
1911
2
Not working within last 12 month
1046
3
Other
35
4
DK/Refused
10
active30_access_mm: use moblie money within past 30 days
3002
0
0
2384
1
Yes
618
active30_access_MTN: use MTN Mobile Money within past 30 days
3002
0
0
2472
1
Yes
530
active30_access_Airtel: use Airtel Money within past 30 days
3002
0
0
2963
1
Yes
39
active30_access_tigo: use Tigo Cash within past 30 days
3002
0
0
2904
1
Yes
98
active90_access_mm: use moblie money within past 90 days
3002
0
0
2225
1
Yes
777
active90_access_MTN: use MTN Mobile Money within past 90 days
3002
0
0
2325
1
Yes
677
active90_access_Airtel: use Airtel Money within past 90 days
3002
0
0
2952
1
Yes
50
active90_access_tigo: use Tigo Cash within past 90 days
3002
0
0
2870
1
Yes
132
active30_reg_mm: use registered mobile money account within past 30 days
3002
0
0
2546
1
Yes
456
active30_reg_MTN: use registered MTN Mobile Money account within past 30 days
3002
0
0
2607
1
Yes
395
active30_reg_airtel: use registered Airtel Money account within past 30 days
3002
0
0
2978
1
Yes
24
active30_reg_tigo: use registered Tigo Cash account within past 30 days
3002
0
0
2933
1
Yes
69
active90_reg_mm: use registered mobile money account within past 90 days
3002
0
0
2465
1
Yes
537
active90_reg_MTN: use registered MTN Mobile Money account within past 90 days
3002
0
0
2544
1
Yes
458
active90_reg_airtel: use registered Airtel Money account within past 90 days
3002
0
0
2969
1
Yes
33
active90_reg_tigo: use registered Tigo Cash account within past 90 days
3002
0
0
2912
1
Yes
90
inactive_reg_mm: have registered mobile money account but didn't use it in the p
3002
0
0
2905
1
Yes
97
inactive_reg_mm: have registered mobile money account but didn't use it in the past 90 days
inactive_reg_MTN: have registered MTN Mobile Money account but didn't use it in
3002
0
0
2924
1
Yes
78
inactive_reg_MTN: have registered MTN Mobile Money account but didn't use it in the past 90 days
inactive_reg_airtel: have registered Airtel Money account but didn't use it in t
3002
0
0
2989
1
Yes
13
inactive_reg_airtel: have registered Airtel Money account but didn't use it in the past 90 days
inactive_reg_Tigo: have registered Tigo Cash account but didn't use it in the pa
3002
0
0
2971
1
Yes
31
inactive_reg_Tigo: have registered Tigo Cash account but didn't use it in the past 90 days
active30_nonreg_mm: use mobile money in past 30 days but don't have any register
3002
0
0
2843
1
Yes
159
active30_nonreg_mm: use mobile money in past 30 days but don't have any registered mobile money account
active30_nonreg_MTN: use MTN mobile money in past 30 days but don't have registe
3002
0
0
2852
1
Yes
150
active30_nonreg_MTN: use MTN mobile money in past 30 days but don't have registered MTN mobile money account
active30_nonreg_airtel: use Airtel Money in past 30 days but don't have register
3002
0
0
2991
1
Yes
11
active30_nonreg_airtel: use Airtel Money in past 30 days but don't have registered Airtel Money account
active30_nonreg_tigo: use Tigo Cash in past 30 days but don't have registered Ti
3002
0
0
2975
1
Yes
27
active30_nonreg_tigo: use Tigo Cash in past 30 days but don't have registered Tigo Cash account
active90_nonreg_mm: use mobile money in past 90 days but don't have any register
3002
0
0
2775
1
Yes
227
active90_nonreg_mm: use mobile money in past 90 days but don't have any registered mobile money account
active90_nonreg_MTN: use MTN mobile money in past 90 days but don't have registe
3002
0
0
2781
1
Yes
221
active90_nonreg_MTN: use MTN mobile money in past 90 days but don't have registered MTN mobile money account
3002
0
0
2988
1
Yes
14
active90_nonreg_tigo: use Tigo Cash in past 90 days but don't have registered Ti
3002
0
0
2961
1
Yes
41
active90_nonreg_tigo: use Tigo Cash in past 90 days but don't have registered Tigo Cash account
super_mm: used registered mobile money account in past 7 days and have ever used
3002
0
0
2955
1
Yes
47
super_mm: used registered mobile money account in past 7 days and have ever used at least one advance activity
Access_mm:Adults with access to an MM account(binary)
3002
0
0
No
2094
1
Yes
908
Registered_mm: Adults hold a m-money accounts
3002
0
0
No
2368
1
Yes
634
have a registered MTN mobile money account
3002
0
0
No
2466
1
Yes
536
have a registered Airtel money account
3002
0
0
No
2956
1
Yes
46
have a registered Tigo cash account
3002
0
0
No
2881
1
Yes
121
Aware_mm_provider: Adults are aware of at least one of the mobile money provider
0
3002
0
Not aware of mm provider
0
1
Aware of mm provider
0
Sysmiss
3002
Aware_mm_provider: Adults are aware of at least one of the mobile money providers
unaware_nonuser_mm: Not aware mobile money providers and doesn't use mobile mone
3002
0
0
2855
1
Yes
147
unaware_nonuser_mm: Not aware mobile money providers and doesn't use mobile money
aware_nonuser_mm: awar emobile money providers but doesn't use mobile money
3002
0
0
1055
1
Yes
1947
active30_access_bank_full: access full service bank accounts within past 30 days
3002
0
0
2402
1
Yes
600
active90_access_bank_full: access full service bank accounts within past 90 days
3002
0
0
2226
1
Yes
776
active30_reg_bank_full: use registered full service bank accounts within past 30
3002
0
0
2421
1
Yes
581
active30_reg_bank_full: use registered full service bank accounts within past 30 days
active90_reg_bank_full: use registered full service bank accounts within past 90
3002
0
0
2251
1
Yes
751
active90_reg_bank_full: use registered full service bank accounts within past 90 days
active30_nonreg_bank_full: use nonregistered full service bank accounts within p
3002
0
0
2983
1
Yes
19
active30_nonreg_bank_full: use nonregistered full service bank accounts within past 30 days
active90_nonreg_bank_full: use nonregistered full service bank accounts within p
3002
0
0
2977
1
Yes
25
active90_nonreg_bank_full: use nonregistered full service bank accounts within past 90 days
inactive_reg_bank_full: registered full service bank accounts but don't use it i
3002
0
0
2797
1
Yes
205
inactive_reg_bank_full: registered full service bank accounts but don't use it in past 90 days
access_bank_full: Adults with access to a full service bank
3002
0
0
Full service bank nonuser
2000
1
Full service bank user
1002
have a registered full service bank account
3002
0
0
No
2046
1
Yes
956
active30_access_nbfi: access nbfi within past 30 days
3002
0
0
2815
1
Yes
187
active90_access_nbfi: access nbfi within past 90 days
3002
0
0
2773
1
Yes
229
active30_reg_nbfi: use registered nbfi within past 30 days
3002
0
0
2846
1
Yes
156
active90_reg_nbfi: use registered nbfi within past 90 days
3002
0
0
2809
1
Yes
193
active30_nonreg_nbfi: use nonregistered nbfi account within past 30 days
3002
0
0
2973
1
Yes
29
active90_nonreg_nbfi: use nonregistered nbfi account within past 90 days
3002
0
0
2967
1
Yes
35
3002
0
0
2947
1
Yes
55
access_nbfi: access nbfi account
3002
0
0
No
2669
1
Yes
333
registered_nbfi: Adults hold a nbfi account
3002
0
0
No
2754
1
Yes
248